Search found 109 matches

by chrysogonus
Sat Nov 11, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: term insurance renewal, now i'm high risk - "special situation"?
Replies: 17
Views: 2128

Re: term insurance renewal, now i'm high risk - "special situation"?

I have a condition that makes it harder to get a good rate, but also exercise regularly and was able to get preferred plus rates on a 20 year term policy through healthiq:

https://www.healthiq.com/

If you exercise regularly they may be worth looking at.
by chrysogonus
Fri Apr 10, 2015 11:57 am
Forum: Personal Finance (Not Investing)
Topic: tax planning software (with AMT and ISOs)
Replies: 1
Views: 475

tax planning software (with AMT and ISOs)

It's tax time, and so I'm trying to think ahead to next year. It's likely that in 2015 we'll have lower income than both 2014 and 2016, which means there are probably some things I could do to take advantage of the lower tax brackets. I would just use TaxCaster to estimate things, except for two pro...
by chrysogonus
Thu Mar 12, 2015 5:37 pm
Forum: Personal Consumer Issues
Topic: Ink Cartridges dry up on seldom used printer, any ideas?
Replies: 32
Views: 12728

Re: Ink Cartridges dry up on seldom used printer, any ideas?

Get a laser printer. My parents' old HP laserprinter lasted about 20 years before it had to be replaced - and I might have been able to fix it had I been there in person, but mechanical troubleshooting over the phone is rather hard. They now have a brother laser printer, as do I, and neither have gi...
by chrysogonus
Sun Feb 01, 2015 7:29 pm
Forum: Personal Consumer Issues
Topic: Vanguard website has Yellow Triangle over lock
Replies: 35
Views: 5340

Re: Vanguard website has Yellow Triangle over lock

I get the yellow triangle on the Bogleheads forum page, but not when I sign in. I get the yellow triangle on the general Vanguard page, but not when I type in my User ID and click on it. I use Chrome. The warning on the Bogleheads is a mixed content warning. People are embedding links to pictures v...
by chrysogonus
Sun Feb 01, 2015 7:26 pm
Forum: Personal Consumer Issues
Topic: Vanguard website has Yellow Triangle over lock
Replies: 35
Views: 5340

Re: Vanguard website has Yellow Triangle over lock

You are using Chrome to browse to vanguard, correct? The problem is that vanguard still uses what are called SHA1 SSL certificates. The industry is in the process of deprecating SHA1 certicates in favor of SHA2[56] certificates. Although SHA1 is still supported, google decided to warn chrome users ...
by chrysogonus
Tue Jan 06, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1251558

Re: How Many Credit Cards do you have?

I use three actively, but try to keep the old ones open if there's no annual fee by using them occasionally, so I have 6+. Here's what I normally use: Amex Blue Cash Preferred - 6% groceries, 3% gas CapitalOne something or other - my oldest card, monthly recurring transactions go here to keep it act...
by chrysogonus
Mon Jan 05, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Purchase On House and then a Mortgage
Replies: 2
Views: 743

Re: Cash Purchase On House and then a Mortgage

The IRS says any mortgage taken out within 90 days of the purchase is not treated as a cash-out refi for tax purposes: http://www.irs.gov/publications/p936/ar02.html Mortgage lenders may have different policies, but it seems like the best approach would be apply for a mortgage normally but not inclu...
by chrysogonus
Sat Jan 03, 2015 9:25 pm
Forum: Investing - Theory, News & General
Topic: Why not put 2x amt. of emergency funds in the market?
Replies: 19
Views: 3213

Re: Why not put 2x amt. of emergency funds in the market?

Do consider what the BH Wiki says, as avenger pointed out. http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account This might seem a bit counter-intuitive to begin with, because you end up NOT having a dedicated emergency fund, but this is very sound advice... Putting away $50...
by chrysogonus
Thu Jan 01, 2015 1:37 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 326801

Re: Best watch for around $5,000?

What does the Ab... Auf dial indicate? Google Translate tells me it means "From... To." I And, what's that just left of the "52" readout? Is that a little webcam... or did they ship out a $75,000 watch with a screw missing? I believe The Ab... Auf dial is a power reserve indicat...
by chrysogonus
Wed Dec 31, 2014 4:16 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 326801

Re: Best watch for around $5,000?

It would be hard to miniaturize these to wristwatch size and make them work in all positions, but for $100,000 the craftsmen who came up with the tourbillon could probably do it. Good guess - it looks like a Lange Zeitwerk can be had for about $75,000: http://www.alange-soehne.com/assets/Timepieces...
by chrysogonus
Wed Dec 24, 2014 6:10 pm
Forum: Personal Consumer Issues
Topic: Leaf blower (& Gutter cleaner) recommendations
Replies: 18
Views: 5791

Re: Leaf blower (& Gutter cleaner) recommendations

I have a Stihl gas powered leaf blower that I'm very happy with. Electric wouldn't work for me since I don't want to be tied to an outlet, and some areas I use it aren't near an outlet. It looks like they have a gutter cleaning attachment, although I don't have it. It takes me about 30 minutes once ...
by chrysogonus
Wed Dec 24, 2014 3:21 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178933

Re: Boglehead Beer

Have all the jokes about market-weight portfolios not working for beer already been made? There is a "small" premium as well, which I tilt heavily towards, although I'm unsure about the value vs. growth aspects of it. I do like a healthy international mix, but only Europe - I'm skeptical o...
by chrysogonus
Wed Dec 24, 2014 3:07 pm
Forum: Personal Consumer Issues
Topic: Santa Cruz 1 day, Monterey 2 days with young kids
Replies: 15
Views: 1943

Re: Santa Cruz 1 day, Monterey 2 days with young kids

I'll second the suggestions for Henry Cowell or Big Basin. There's a very easy one mile walk through some impressive redwoods at Henry Cowell right by the parking lot. There's also a kid-friendly train ride you can take through the redwoords - I run there frequently, and there are almost always lots...
by chrysogonus
Tue Dec 16, 2014 11:45 am
Forum: Investing - Theory, News & General
Topic: [POLL] What Fixed Income Assets Do You Use?
Replies: 37
Views: 2969

Re: [POLL] What Fixed Income Assets Do You Use?

I use a stable value fund in my 401k. I'd consider I bonds if the interest rates were higher, but a 0% fixed rate just isn't very interesting to me.
by chrysogonus
Tue Dec 16, 2014 9:56 am
Forum: Personal Investments
Topic: Should I surrender my annuity and whole life policy?
Replies: 17
Views: 2188

Re: Should I surrender my annuity and whole life policy?

My plan is to cancel the policies and increase our contributions to our 401K's by an equal amount. We are already adequately covered by term life insurance through our jobs. Canceling the whole life policies is probably the right thing to do, but consider getting term policies separate from your jo...
by chrysogonus
Tue Dec 09, 2014 10:54 am
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 63
Views: 225777

Re: switching main credit card

The critical issue for getting the companion pass is all points earned have to be done in a calendar year. There are 2 personal cards (I believe one has a $69 annual fee, the other $99) and 2 business cards. If you get two of these cards (any combination) with the 50k bonus offer attached on each a...
by chrysogonus
Sun Nov 30, 2014 5:36 pm
Forum: Personal Investments
Topic: Torn between paying down mortgage or investing
Replies: 5
Views: 887

Re: Torn between paying down mortgage or investing

I haven't yet tried to buy and sell a house simultaneously, but it seems like some extra liquidity could be helpful. That seems like the strongest argument towards not paying down the mortgage. Someone with more experience buying and selling a house at the same time might have a better opinion about...
by chrysogonus
Mon Nov 24, 2014 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Existing Whole Life Insurance Policy
Replies: 5
Views: 1037

Re: Existing Whole Life Insurance Policy

Do you have a need for a permanent death benefit? Most people don't. For cost, take a look at term4sale.com to get a rough idea of the cost of a term policy instead. It will be much, much cheaper. If you purchase an equivalent amount of term life insurance and invest the rest in a low-cost mutual fu...
by chrysogonus
Sun Nov 23, 2014 10:40 am
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 43093

Re: 23 year old... Can I afford a Rolex?

I would look at best/worse case scenarios. Best case: you enjoy wearing the watch every day; it gives you great joy year after year = added fantasy to meet a woman wearing lady Rolex and she sees you have the male equivalent model; you end up together and have a blissful life. Worst Case: Hopefully...
by chrysogonus
Sat Nov 22, 2014 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 24
Views: 7825

Re: best bank for online billpay

Thanks for the replies and suggestions. Maybe it's a problem with my browser. I'll see if firefox is more reliable than chrome. It's happened at home and work, however, so it's probably not a network issue. I generally set up credit card billing for most things, but I have enough where that's not an...
by chrysogonus
Sat Nov 22, 2014 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 24
Views: 7825

best bank for online billpay

Our checking account is at Wells Fargo. For basic banking we have no complaints - ATM and branch locations are convenient, with direct deposit there's no monthly fee, and they even gave me a medallion signature guarantee without any hassle. The online billpay system they have, however, is horrible, ...
by chrysogonus
Fri Nov 21, 2014 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 40
Views: 125561

Re: Where can I go to get a signature guarantee or Medallion

Do you know why they needed a signature guarantee? I just opened a Treasury Direct account and they didn't ask for anything. Were you taking money out? I have no idea. I opened the account online and was immediately locked out until I sent in some identity verification form. From what I've read som...
by chrysogonus
Fri Nov 21, 2014 1:39 am
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 40
Views: 125561

Re: Where can I go to get a signature guarantee or Medallion

I opened a Treasury Direct account recently. They needed a signature guarantee (not a medallion signature guarantee). It was remarkably painless. I went to a Wells Fargo branch and said "I'm trying to open a Treasury Direct account and need a signature guarantee." The teller asked for the ...
by chrysogonus
Thu Nov 20, 2014 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: ISOs, private company stock, and a self-directed IRAs
Replies: 6
Views: 1721

ISOs, private company stock, and a self-directed IRAs

I've read about the crazy things some people do with self-directed IRAs (Mitt Romney, Max Levchin, etc), and realized I might be able to do something similar. I'd plan on checking with my CPA before doing any of this, but figured I'd run it by everyone here first since it might be a fun tax problem ...
by chrysogonus
Mon Nov 17, 2014 11:59 pm
Forum: Personal Investments
Topic: Personal $$ Review - a product of Trev H and Livesoft
Replies: 8
Views: 2982

Re: Personal $$ Review - a product of Trev H and Livesoft

It seems like you have a good grasp on things. I'll comment on just a couple of the points. Since you have both a large portfolio and large emergency fund, you might want to take a look at this wiki article: http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account That's what I ...
by chrysogonus
Mon Nov 17, 2014 11:40 pm
Forum: Personal Investments
Topic: Third Year into Whole Life Insurance - Cutting the Loss
Replies: 4
Views: 879

Re: Third Year into Whole Life Insurance - Cutting the Loss

I believe it is frequently better to cancel a whole life policy immediately after the policy's anniversary rather than immediately before, so what you're describing sounds believable. That said, it's not a lot of money, so it probably doesn't matter. I would make sure you have new policies in place ...
by chrysogonus
Sat Nov 15, 2014 7:10 pm
Forum: Personal Investments
Topic: IRA with $0.17 balance
Replies: 16
Views: 2639

Re: IRA with $0.17 balance

I had exactly the same situation - except it was $0.07 :). The only other account I had at etrade was a taxable account, so I just made a withdrawal from the IRA into the taxable account. The paperwork was all online, and it was easy. I figure I'll owe $0.03 in taxes and $0.01 in penalties on it - b...
by chrysogonus
Wed Nov 12, 2014 11:59 am
Forum: Personal Consumer Issues
Topic: TWO home internet connections with two ISPs
Replies: 19
Views: 2971

Re: TWO home internet connections with two ISPs

1. Change your wireless channel. Most people use 1 or 11 by default. 1 can interfere with some microwaves. I used to lose connection when someone made popcorn. I changed my channel to 3 and no more issues. 3, 6, and 9 are good choices. The fewer people on those channels, the better. For 2.4GHz wifi...
by chrysogonus
Tue Nov 11, 2014 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws took out a Universal Variable Life Insurance for...
Replies: 3
Views: 737

Re: In-Laws took out a Universal Variable Life Insurance for

You might want to take a look at http://evaluatelifeinsurance.org/. I used his services to help me figure out if I should keep an old universal life policy, and it was a relatively painless experience. Also, if she does not currently have other life insurance (such as a term policy) but you are plan...
by chrysogonus
Tue Oct 28, 2014 2:55 pm
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 11607

Re: Bogleheads.org equivalents for other areas of life?

Leesbro63 wrote:Fairmark has great forums for tax info.

http://fairmark.com/forum/index.php
My inner tax geek thanks you for that link. It looks like there's lots of good information about some fairly technical topics.
by chrysogonus
Thu Oct 23, 2014 3:08 am
Forum: Personal Finance (Not Investing)
Topic: Will canceling my Discover card lower my FICO score?
Replies: 9
Views: 1589

Re: Will canceling my Discover card lower my FICO score?

I just went through a similar situation with my oldest credit card (that I was no longer using). My concern was the credit card company would cancel it for inactivity. I decided to use it for a small recurring transaction and turn on autopay. I still use higher limit/better reward cards for most pur...
by chrysogonus
Mon Oct 20, 2014 6:04 pm
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 6947

Re: Shoes for Plantar Fasciitis?

I had mild plantar fasciitis, and had a reasonable amount of luck with a brace like this:

http://www.amazon.com/Futuro-Plantar-Fa ... 0057M3TWC/

You can only wear it at night, but I think it helped stretch my calf.
by chrysogonus
Fri Oct 17, 2014 11:55 am
Forum: Investing - Theory, News & General
Topic: Hypothetical TLH question
Replies: 2
Views: 448

Re: Hypothetical TLH question

How do you avoid this? Use a different index outside of the 401k. The only equity fund I use in my 401k is an S&P500 index fund. I don't use an S&P500 index fund outside of my 401k, which makes it easy to avoid wash sales. Of course, if you have a low-cost Vanguard TSM index in your 401k, th...
by chrysogonus
Tue Oct 14, 2014 11:57 am
Forum: Personal Consumer Issues
Topic: Has Anyone used Google Shopping Express?
Replies: 6
Views: 809

Re: Has Anyone used Google Shopping Express?

I was part of their beta test, so I've never had to pay anything for it. It's been useful a couple times, but mostly as a way to avoid going to the store. Also, same day delivery is hard to get unless you place an order early in the day. It was also useful once to get an iphone charging cable the da...
by chrysogonus
Sat Oct 11, 2014 9:20 pm
Forum: Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 3830

Re: Stable Income Fund vs. Total Bond Market

A SV fund earning 1.72% isn't very exciting to me. The one in my 401k is currently at 3%, which is attractive enough to me that it makes up all of my fixed income allocation (although I'm fairly young, so that's small - if it were a larger portion I'd probably diversify more). I wouldn't put it all ...
by chrysogonus
Sat Oct 11, 2014 9:06 pm
Forum: Personal Investments
Topic: New 401k: S&P index fund is the cheapest - just buy it only?
Replies: 5
Views: 1479

Re: New 401k: S&P index fund is the cheapest - just buy it o

The wiki article about approximating the total stock market is good - look at it. In my 401k I have it all in an S&P500 index fund and Stable Value Fund for my fixed income allocation. I aim to have 25% of the value of the S&P500 index in the Vanguard Small Cap value fund (but the extended m...
by chrysogonus
Fri Oct 10, 2014 3:42 am
Forum: Personal Investments
Topic: old universal life insurance policy as fixed income
Replies: 24
Views: 2777

Re: old universal life insurance policy as fixed income

Why don't you talk to a term only agent rather than to an agent that sells cash value LI? This is LI first and last. If you should pass, How much will your heirs get and how much did you pay for it? If you should live, why must you take a loan and have it collateralized by the LI, and paying the sa...
by chrysogonus
Thu Oct 09, 2014 1:59 pm
Forum: Personal Investments
Topic: old universal life insurance policy as fixed income
Replies: 24
Views: 2777

Re: old universal life insurance policy as fixed income

Thanks for the responses. I've already contacted James Hunt from evaluatelifeinsurance.org, and it is a policy that's worth keeping (as an aside, if others have questions about their policies I found his input valuable). Thanks for the link to www.glenndaily.com, however, as I hadn't seen that site....
by chrysogonus
Wed Oct 08, 2014 4:58 pm
Forum: Personal Investments
Topic: old universal life insurance policy as fixed income
Replies: 24
Views: 2777

old universal life insurance policy as fixed income

Before I ask my question, let me clarify that I don't mean to start a discussion of "life insurance isn't an investment." I'm aware of that, but the accepted advice seems to be that old policies are worth keeping, and my policy falls into that bucket. We're also maxing out all tax-advantag...
by chrysogonus
Tue Oct 07, 2014 10:18 pm
Forum: Investing - Theory, News & General
Topic: How much is your fixed income investment earning?
Replies: 31
Views: 3737

Re: How much is your fixed income investment earning?

Mine is all in a stable value fund yielding 3%. It's one of the few attractive options in my 401k.
by chrysogonus
Tue Oct 07, 2014 6:23 pm
Forum: Investing - Theory, News & General
Topic: Should I go for RSU or Options?
Replies: 15
Views: 2009

Re: Should I go for RSU or Options?

I think you also have a 2 year holding from the grant date to get LTCG. I almost mentioned this - but for a first grant there's almost always a one year cliff, so it doesn't matter for the first grant. Ok all, I have some updates. I am being offered the chance to convert my options to RSUs 1:1. The...
by chrysogonus
Tue Oct 07, 2014 4:14 pm
Forum: Investing - Theory, News & General
Topic: Should I go for RSU or Options?
Replies: 15
Views: 2009

Re: Should I go for RSU or Options?

RSUs will be taxed as income when they vest. ISOs will potentially expose you to the AMT when you exercise them, but if you hold them for a year after that you'll only be taxed at long term capital gains rates. If the strike price is low so your cost to exercise will be low I'd go with the options f...
by chrysogonus
Fri Oct 03, 2014 10:33 am
Forum: Personal Investments
Topic: Best place to park my emergency funds
Replies: 16
Views: 3149

Re: Best place to park my emergency funds

My emergency fund is in my 457 in a SV fund yielding 3.16%. http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account Search the forum for "Emergency Fund" and you'll find a lot of reading covering this topic. I do this in my 401k, although my SV Fund only yields 3%. S...
by chrysogonus
Thu Oct 02, 2014 7:19 pm
Forum: Personal Investments
Topic: Using a VUL to pay for college. Am I nuts?
Replies: 18
Views: 2656

Re: Using a VUL to pay for college. Am I nuts?

If you want personalized advice, I'd suggest you look at evaluatelifeinsurance.org. I recently paid for an evaluation of an old life insurance policy my parents bought for me when I was a teenager, and James Hunt's services were extremely useful.
by chrysogonus
Fri Sep 26, 2014 10:53 am
Forum: Personal Investments
Topic: ISOs, AMT, Taxes...Oh My!
Replies: 6
Views: 661

Re: ISOs, AMT, Taxes...Oh My!

There is a book that may be helpful, called "Consider Your Options: Get the Most from Your Equity Compensation." It covers lots of details about situations like this. It's well worth the cost, in my opinion. Turbotax should be able to handle this - it was able to handle it when I exercised...
by chrysogonus
Mon Sep 22, 2014 12:32 pm
Forum: Personal Investments
Topic: Who holds your Solo 401k?
Replies: 37
Views: 3909

Re: Who holds your Solo 401k?

Ameritrade offers most Vanguard ETFs without a commission, though. do I have this correct: Ameritrade offers some/most VG ETFs in a person's i401k without a commission, but VG itself offers 0 such ETF's in that same person's i401k? Correct. The only two ETFs that are not commission free that I wish...
by chrysogonus
Sun Sep 21, 2014 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Home improvement or max out retirement savings?
Replies: 10
Views: 1675

Re: Home improvement or max out retirement savings?

What's the interest rate on the mortgage? I know not everyone feels this way, but I don't really mind mortgage debt. I'd be tempted to stop paying off the mortgage early to pay for various home improvement projects. Is that an option?
by chrysogonus
Sun Sep 21, 2014 11:02 pm
Forum: Personal Investments
Topic: Who holds your Solo 401k?
Replies: 37
Views: 3909

Re: Who holds your Solo 401k?

Ameritrade. We had some traditional IRAs we needed to rollover, and Vanguard doesn't support that. Ameritrade offers most Vanguard ETFs without a commission, though. It was fairly easy to setup.
by chrysogonus
Mon Sep 15, 2014 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Investing in Startup My Father Is Joining as Founder
Replies: 16
Views: 2437

Re: Investing in Startup My Father Is Joining as Founder

If you've been looking to invest some "play money"/"gambling money," then this is a great opportunity. The most likely scenario is you lose it all. The other (much less likely) scenario is that it will be worth a lot of money. I'd give it no more than a 10% chance of success. Tax...
by chrysogonus
Sun Sep 14, 2014 5:32 pm
Forum: Personal Consumer Issues
Topic: External backup drives - Seagate vs Western Digital
Replies: 43
Views: 5427

Re: External backup drives - Seagate vs Western Digital

The best backup strategy is one that happens automatically so you don't have to think about it. This certainly qualifies, and so is better than what the vast majority of people do. The drive manufacturer matters a lot less than the type of drive. Low-power "green" drives are much more like...