Search found 1026 matches

by strafe
Sat Mar 27, 2021 5:21 am
Forum: Personal Investments
Topic: Park home sale proceeds 60% VWIUX/40% VTSAX?
Replies: 2
Views: 348

Re: Park home sale proceeds 60% VWIUX/40% VTSAX?

Tip: You’ll get better replies if you post the fund names. Few people have ticker symbols memorized. I know one of the funds is total stock index. I don’t recognize the other.
by strafe
Tue Mar 16, 2021 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Cash out refinance?
Replies: 39
Views: 2188

Re: Cash out refinance?

I have a 15 year fixed mortgage at 2.875% for 285000. Term remaining is 10 years and amount is 199200. Is 15 year fixed, cash out refinance for new loan amount of 250k at 1.99% worth the refinance. No closing cost, or lender fees. I plan on putting the 50k back into the new loan to get the reduced ...
by strafe
Mon Mar 15, 2021 9:09 pm
Forum: Personal Investments
Topic: Help With TIAA 3-Tier Employer Retirement Options
Replies: 19
Views: 1563

Re: Help With TIAA 3-Tier Employer Retirement Options

What is your bond allocation? Assuming it is small relative to stocks, I would be inclined to avoid tier 3 for the sake of simplicity. The aggregate expense ratio across the portfolio would still be low if you use the tier 2 bond option. Using the self-directed brokerage would marginally decrease y...
by strafe
Mon Mar 15, 2021 8:47 pm
Forum: Personal Investments
Topic: DLP Capitol
Replies: 36
Views: 1661

Re: DLP Capitol

I would not invest in this if I were you: 1) it is an illiquid, opaque investment without the transparencies afforded by marketable securities. You are sacrificing a great deal of diversification and investor protections without adequate compensation. 2) risk adjusted private equity real estate retu...
by strafe
Sat Mar 13, 2021 6:24 am
Forum: Personal Investments
Topic: Help With TIAA 3-Tier Employer Retirement Options
Replies: 19
Views: 1563

Re: Help With TIAA 3-Tier Employer Retirement Options

What is your bond allocation? Assuming it is small relative to stocks, I would be inclined to avoid tier 3 for the sake of simplicity. The aggregate expense ratio across the portfolio would still be low if you use the tier 2 bond option. Using the self-directed brokerage would marginally decrease yo...
by strafe
Wed Mar 10, 2021 8:59 pm
Forum: Personal Investments
Topic: Poor experience with Schwab
Replies: 42
Views: 2311

Re: Poor experience with Schwab

Your account is likely blocked/locked out on Schwab.com, which is just a problem you would experience. There are a number of legitimate reasons why they would do that. What's not clear is whether the OP can't GET to schwab or gets to schwab and the error message is AFTER trying their credentials. I...
by strafe
Wed Mar 10, 2021 8:53 pm
Forum: Personal Investments
Topic: Poor experience with Schwab
Replies: 42
Views: 2311

Re: Poor experience with Schwab

Problem is not with my computer. Based on replies, I will entertain the possibility there is an idiosyncratic issue on Schwab’s end with my account registration. If that is the case 1) Schwab customer service should be responsive to my inquiries and 2) website should not (falsely) claim there is a t...
by strafe
Wed Mar 10, 2021 8:48 pm
Forum: Personal Investments
Topic: Poor experience with Schwab
Replies: 42
Views: 2311

Re: Poor experience with Schwab

I haven't had any problems logging onto Schwab all week. Maybe clear your cookies and restart your computer. 10 minute hold time is excessive? I noticed this week they've taken down the banner saying hold times are longer than expected. It seems Schwab has addressed the issue of long hold times for...
by strafe
Wed Mar 10, 2021 8:47 pm
Forum: Personal Investments
Topic: Poor experience with Schwab
Replies: 42
Views: 2311

Re: Poor experience with Schwab

From time to time, I see posts on this forum of complaints about Vanguard customer service. My experience with Vanguard has been great. I wanted to share my poor experience with Schwab. The Schwab website login has been broken for many weeks. The website always shows a message “This system is tempo...
by strafe
Wed Mar 10, 2021 8:46 pm
Forum: Personal Investments
Topic: Poor experience with Schwab
Replies: 42
Views: 2311

Re: Poor experience with Schwab

jpmorganfunds wrote: Wed Mar 10, 2021 7:59 pm Their website is working fine. Must be your computer.

https://www.schwab.com/
Happens on multiple computers
by strafe
Wed Mar 10, 2021 8:45 pm
Forum: Personal Investments
Topic: Poor experience with Schwab
Replies: 42
Views: 2311

Re: Poor experience with Schwab

From time to time, I see posts on this forum of complaints about Vanguard customer service. My experience with Vanguard has been great. I wanted to share my poor experience with Schwab. The Schwab website login has been broken for many weeks. The website always shows a message “This system is tempo...
by strafe
Wed Mar 10, 2021 7:47 pm
Forum: Personal Investments
Topic: Poor experience with Schwab
Replies: 42
Views: 2311

Poor experience with Schwab

From time to time, I see posts on this forum of complaints about Vanguard customer service. My experience with Vanguard has been great. I wanted to share my poor experience with Schwab. The Schwab website login has been broken for many weeks. The website always shows a message “This system is tempor...
by strafe
Fri Mar 05, 2021 6:07 pm
Forum: Personal Consumer Issues
Topic: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?
Replies: 77
Views: 3845

Re: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?

I guarantee you the shop is not inspecting the cabin filters before they suggest the replacement. I had a dealer try to pull this scam on me when I had changed the filters myself the day prior. For reference, many manufacturers recommend filter replacement every 20,000 miles. This is an easy DYI tas...
by strafe
Wed Mar 03, 2021 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: QBID - Qualified Business Income Deduction -Rookie questions
Replies: 24
Views: 1041

Re: QBID - Qualified Business Income Deduction -Rookie questions

I encourage you to hire a CPA when QBI is involved — at least for the first year. It is very complex. Hiring a CPA saved me thousands on taxes compared to the tax software calculation. As you will see, this makes self employed 401k less valuable. It is in your best interest to use other sources of t...
by strafe
Sat Feb 27, 2021 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10200
Views: 731592

Re: Refinance Mega Thread

Similar to other reports I've read here recently, I just had a bit of a bad experience on a refinance with Interactive Mortgage. Loan Amount: 580k Value of Home: ~1M+ (to be able to waive appraisal, they just put $999k on the paperwork) Here's the basic timeline, I'll leave out all the instances th...
by strafe
Sat Feb 27, 2021 7:01 pm
Forum: Personal Consumer Issues
Topic: Used minivan - suggestions
Replies: 36
Views: 2036

Re: Used minivan - suggestions

I urge you to look at the IIHS.org safety ratings for minivans. On one of their previous tests, which is relevant to a used minivan, the only minivan that was not literally a death trap was the Odyssey. Take at look at how the other vehicles folded up after a collision and ask yourself you want to ...
by strafe
Sat Feb 20, 2021 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans or delay in case of a cancellation
Replies: 4
Views: 662

Re: Pay off student loans or delay in case of a cancellation

Say there is a 25% chance that the debt is cancelled and I have 15k at that point. Speculation about future legislation is prohibited by forum policy, see: Unacceptable Topics The OP did not speculate about any future legislation. Every student loan promissory note I've ever seen contains provision...
by strafe
Sat Feb 13, 2021 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164725

Re: My LenderFi refinance is going well

I recently refi’d with LenderFi.
They were outstanding!
Great communication.
Zero hassle.
Closed on time.
by strafe
Sat Feb 13, 2021 6:13 pm
Forum: Personal Consumer Issues
Topic: Best Tires
Replies: 70
Views: 7544

Re: Best Tires

Dear Bogleheads: I am helping my mother in law with new tires and wanted to get your recommendations from the list Costco offers. Her van is a 2005 Mazda MPV ES. She drives mostly in Bay Area, CA and drives to the Sierras a few times a year in the snow. Choices from Costco are: Michelin - X Tour A/...
by strafe
Fri Feb 12, 2021 6:52 pm
Forum: Personal Consumer Issues
Topic: Dash cams?
Replies: 36
Views: 3478

Re: Dash cams?

It caught my notice that Amazon was selling dash cams for the lightning deal of the day. Other than law enforcement and maybe Uber/Lyft/Taxi drivers - who else would find them useful and why? I’ve considered buying one to protect myself. I live in an area with particularly bad drivers (based on my ...
by strafe
Fri Feb 12, 2021 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: {SOLVED: REFI!} Are we crazy? (4.125% 30y mort, 22.67y left, no plan to refi)
Replies: 71
Views: 7663

Re: Are we crazy? (4.125% 30y mort, 22.67y left, no plan to refi)

Hi all, Following up on this thread. We 90-day locked at Penfed on the following (no points on any): 30y @ 2.75% 20y @ 2.375% 15y @ 2.25%. There is no origination cost, but 3rd party fees are ~$3k so the payback is ~16 months. We haven't decided on the term yet, but any of the above three are bette...
by strafe
Fri Feb 12, 2021 4:30 pm
Forum: Personal Consumer Issues
Topic: Recommendations for replacing 8 years old Whirlpool Fridge
Replies: 43
Views: 3471

Re: Recommendations for replacing 8 years old Whirlpool Fridge

Every one of our Whirlpool/KitchenAid appliances died within 5-6 years. Our LG and Bosch appliances are still going strong. No plans to ever buy Whirlpool again.
by strafe
Thu Feb 11, 2021 1:32 am
Forum: Investing - Theory, News & General
Topic: Owning the market and Decentralized Finance. A new Paradigm.
Replies: 52
Views: 5317

Re: Owning the market and Decentralized Finance. A new paradigm.

I had a very hard time following your post.
It seems you are asking, what would it look like if companies were to dissolve, and effectively outsource 100% of their activities through a market mechanism?
Recommend you read The Nature of the Firm by Coase.
Unclear how this is actionable.
by strafe
Fri Jan 29, 2021 9:50 pm
Forum: Personal Investments
Topic: Conservative investing ~$500k
Replies: 11
Views: 1207

Re: Conservative investing ~$500k

2tall4economy wrote: Fri Jan 29, 2021 8:36 pm So, now I have $500k of her money sitting at Fidelity.
Sitting in an account in your name or hers? If now moved to your account, beware of gift tax implications for that transfer.

Agree with earlier posters about LS Income or TR Income funds or immediate annuities.
by strafe
Sun Jan 17, 2021 6:18 am
Forum: Personal Consumer Issues
Topic: TaxAide: Acer 315 Chromebook USB-C -> HDMI adapter? [Solved]
Replies: 12
Views: 596

Re: TaxAide: Acer 315 Chromebook USB-C -> HDMI adapter?

These are universally compatible. It’s $12. Suggest you just buy it.

I have not used that specific adapter but can tell you that a similar one from Anker works just fine with my Chromebook.
by strafe
Sun Jan 10, 2021 6:19 pm
Forum: Personal Consumer Issues
Topic: Buying a used rental car?
Replies: 22
Views: 1437

Re: Buying a used rental car?

We’ve bought 2 used rental cars. The first was a Toyota that did not require a single repair other than the replacement of a power steering hose and scheduled maintenance in 10 years. The second was a certified pre-owned Chrysler that we owned for 5 years that needed only couple minor issues (cruise...
by strafe
Fri Jan 08, 2021 5:58 am
Forum: Personal Investments
Topic: Vanguard: Strange Cost Basis in Taxable Account
Replies: 14
Views: 951

Re: Vanguard: Strange Cost Basis in Taxable Account

Have you sold any of the shares in these funds at any point?
by strafe
Mon Jan 04, 2021 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a property with a lease option contract
Replies: 23
Views: 1039

Re: Buying a property with a lease option contract

Maybe he’d be willing to live in the basement, a la Ozark?
by strafe
Mon Jan 04, 2021 7:23 pm
Forum: Personal Investments
Topic: Which Target Retirement fund to use for an (ongoing) windfall?
Replies: 13
Views: 1685

Re: Which Target Retirement fund to use for an (ongoing) windfall?

Whenever I hear "kids with UTMA accounts", I get the knee-jerk reaction of wanting to advise the adult in the account, to be a prudent custodian of the money. The first $2200 of unearned income per kid, is taxed at 0%. So instead of investing and just forgetting about it, you need to peri...
by strafe
Sat Jan 02, 2021 5:35 pm
Forum: Personal Consumer Issues
Topic: end auto lease, what would BHers do?
Replies: 34
Views: 2292

Re: end auto lease, what would BHers do?

So we have 3 cars. We are retired and with covid we do almost zero driving. Really just need 1 for now. Spouse's car, 2016 VW: we own outright-low miles, like new. my car: 2019 BMW lease third car, extra car for college age kids. 2013 Nissan Altima, own outright. 100k miles. (kids most likely not n...
by strafe
Mon Dec 28, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Chains needed?
Replies: 63
Views: 3743

Re: Chains needed?

First, chains aren’t legal everywhere so check that first. Second, you would have been better off running actual winter tires instead of “all seasons” which are really more like “3 seasons”. If you live in a place that might need chains, invest in some proper winter tires. The OP said he had CrossC...
by strafe
Tue Dec 22, 2020 10:52 pm
Forum: Personal Consumer Issues
Topic: wood window replacement
Replies: 14
Views: 1139

Re: wood window replacement

You should explore repair of the existing windows. In the absence of rot there is no reason to replace. Sunrise makes great windows but the installation is more important than the product. Don’t deal with scumbags. New windows may increase comfort but will not have a reasonable payback in terms of e...
by strafe
Tue Dec 08, 2020 6:10 am
Forum: Personal Consumer Issues
Topic: Does a cheap road bike really exist?
Replies: 171
Views: 12107

Re: Does a cheap road bike really exist?

There is a growing category of “adventure” bikes that would fit the bill. These are essentially touring bikes with beefier components and wider tires. More capable both on and off road than your hybrid. Perfect for the kind of riding you’ve described.

Check out the Felt Broam 60 as an example.
by strafe
Sun Nov 29, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Fitness Rowers: Hydrow vs Concept 2
Replies: 34
Views: 2429

Re: Fitness Rowers: Hydrow vs Concept 2

Concept2 is the gold standard, and has a good app ecosystem for workout and tracking functions.

Hydrow is double the cost upfront + $38/mo in perpetuity. Who knows what resale value will be.

I would get the concept2
by strafe
Fri Nov 27, 2020 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Son diagnosed with Type 1 Diabetes - how prepare for future?
Replies: 55
Views: 4734

Re: Son diagnosed with Type 1 Diabetes - how prepare for future?

Our lives were flipped upside down about a month ago when my 17yo son was diagnosed with Type 1 Diabetes. It's been a whirlwind since then getting a crash course in how to manage this. DW & I have stable jobs and excellent benefits, so we are very lucky. We are blown away by what the total reta...
by strafe
Fri Nov 27, 2020 7:01 am
Forum: Personal Consumer Issues
Topic: Trading a BMW for a Toyota
Replies: 84
Views: 6808

Re: Trading a BMW for a Toyota

Give me your opinion please. I've driven sporty cars most of my life (I'm 32). I realized that I just don't care about that type of thing anymore and would like to save money for other things. I financed a 2018 BMW 230i (standard) and currently owe about 30k (all figures are in CAD) on it. It has 4...
by strafe
Wed Nov 25, 2020 4:40 pm
Forum: Personal Investments
Topic: Lazy Investor's dilemma: TLH from Betterment and Wash sale
Replies: 5
Views: 412

Re: Lazy Investor's dilemma: TLH from Betterment and Wash sale

Short : Should I stay with Betterment? Is Betterment's TLH that effective? Long: First off, I understand the majority of the readers are avid investors with a wealth of knowledge. I am hoping to get a perspective as an investor who is willing to spend roughly a day in 6-month. My story: I have the ...
by strafe
Mon Nov 23, 2020 10:08 am
Forum: Personal Investments
Topic: Where to park 2-3million temporarily?
Replies: 26
Views: 3734

Re: Where to park 2-3million temporarily?

Yes, a Fidelity account has a routing number and account number. Its a little complicated to figure out as it is a little different for account types. This routing # is the same, this page tells how to figure out your account number. https://www.fidelity.com/cash-management/deposit-money/determine-...
by strafe
Mon Nov 16, 2020 7:41 am
Forum: Personal Investments
Topic: Wellesley for medium term investments?
Replies: 19
Views: 2701

Re: Wellesley for medium term investments?

Your plan is reasonable. Target retirement income fund would perform similarly. This situation is also a good use case for a fixed term annuity. Rates are usually equal or better than CDs. Take a look. That wouldn’t be acceptable. The OP wants to be able to make monthly withdrawals from the princip...
by strafe
Mon Nov 16, 2020 6:17 am
Forum: Personal Investments
Topic: Wellesley for medium term investments?
Replies: 19
Views: 2701

Re: Wellesley for medium term investments?

Your plan is reasonable. Target retirement income fund would perform similarly.

This situation is also a good use case for a fixed term annuity. Rates are usually equal or better than CDs. Take a look.
by strafe
Mon Oct 26, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fixed vs ARM mortgage
Replies: 12
Views: 906

Re: Fixed vs ARM mortgage

I would take the 30 year fixed. The interest rate savings on the ARM is too small relative to the option value of the 30yr fixed.
by strafe
Sun Oct 04, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: Furnace sizing Question - Wisconsin
Replies: 10
Views: 766

Re: Furnace sizing Question - Wisconsin

The contractor recommending the smaller size furnace is most likely correct that your current unit is oversized and sounds like they may be the only group doing things the right way.

Your comfort issues in the basement sound more related to ductwork and air flow balancing not BTU.
by strafe
Sun Aug 16, 2020 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Employee Over Paid by Six Digits
Replies: 36
Views: 4163

Re: Employee Over Paid by Six Digits

I’m looking for some boglehead wisdom. My business partner who manages payroll has consistently overpaid [...] This is a highly paid sales representative and this mistake in payroll isn’t a significant part of the employee’s pay [...] This is a good employee but at the same time he has gone along w...
by strafe
Sun Aug 02, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 71
Views: 4748

Re: Move to NE Ohio?

Hasn’t been much mention of topography and scenery.
East side tends to be hillier whereas west side is more flat midwestern plains. Coming from Chicago that may be ok.
by strafe
Fri Jul 17, 2020 5:44 am
Forum: Personal Consumer Issues
Topic: Who switched my windshield wiper arms?
Replies: 69
Views: 8942

Re: Who switched my windshield wiper arms?

So in a similar thought, have you have any repairs or replacements of the windshield? Last summer I had the AC evaporator (under the dash) replaced. I'm pretty sure I've washed the car several times since then. Other than the state inspection last week, that's the only time I've had it serviced in ...
by strafe
Sun Jun 28, 2020 10:10 am
Forum: Personal Investments
Topic: I want to leave Raymond James -- Please help me decide where to go.
Replies: 62
Views: 3439

Re: I want to leave Raymond James -- Please help me decide where to go.

Both options are great. Fidelity's total market index funds are essentially equivalent to Vanguard's. Both are in a whole different universe from RJ.

Based on what you've said is important to you, go with Fidelity.
by strafe
Wed Jun 24, 2020 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Odds we see 30 year mortgages at 2.0%
Replies: 14
Views: 2584

Re: Odds we see 30 year mortgages at 2.0%

Some combination of low or neg bond yield, low spread/margin (driven in part by anticipated default rate) and subsidies.
by strafe
Thu May 28, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: 55+ communities - with or without golf course?
Replies: 13
Views: 1554

Re: 55+ communities - with or without golf course?

HOA fees vary widely for many reasons. If I were you, I would look at fees for actual houses you’re considering purchasing (or, at least in communities you’re exploring). The fees are usually public record on MLS/Zillow.
by strafe
Wed May 27, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Increase From Current Employer after getting MBA?
Replies: 10
Views: 1560

Re: Salary Increase From Current Employer after getting MBA?

What new responsibilities did you take on (or how much did your productivity increase) after acquiring the MBA?
by strafe
Sat May 16, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?
Replies: 62
Views: 4098

Re: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?

I would stay liquid. Keep the loan for now. Re-evaluate in January.