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Re: Asset Allocation with Home Purchase in Mind

I would only sell SPY for a total market fund if I could sell it at break even or a loss. I wouldn't pay capital gains tax for the conversion. AS for the down payment, you could treat it as a separate "bucket" from the retirement funds, and manage it conservatively. That's what we did. It'...
by Easy Rhino
Sat Feb 28, 2015 1:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation with Home Purchase in Mind
Replies: 7
Views: 592

Re: Should we refi our ARM if we plan to move w/in 2 years?

yeah if you're going to move in 2 years then refi to a fixed rate really doesn't matter.

The only time I could see it would be if you had a higher rate, and you could refi to a lower one and maybe even get a credit at the same time.
by Easy Rhino
Fri Feb 27, 2015 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should we refi our ARM if we plan to move w/in 2 years?
Replies: 2
Views: 162

Re: HSA: spend or invest?

my medical expenses have so far been fairly low and I'm maxing out contributions to my HSA, so I go ahead and do my medical expenses out of it for convenience. Stupendous, if you have enough in your account, you could do a rollover to another HSA custodian with lower priced investments. I use Saturn...
by Easy Rhino
Thu Feb 26, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 15
Views: 1256

Re: Raise was only 2.44%?

10 years ago at this job, the joke was that everybody got a 3% raise every year regardless of reviews, if the manager even remembered to complete a review. It's gotten better since then. (as previously described, managers request their raises from a "pool" determined by the grand finance h...
by Easy Rhino
Thu Feb 26, 2015 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4422

Re: Recommend a quality (and reasonably priced) knife set

Anyone a big fan of ceramic knives? I see some seemingly fancy ones at the local Japanese market and they seem intriguing.
by Easy Rhino
Wed Feb 25, 2015 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a quality (and reasonably priced) knife set
Replies: 64
Views: 2371

Re: What are Costco's best deals?

Anything that you don't mind buying a ton of. Also, some items that are never discounted, you might be able to get a small discount. for instance, something like a Vitamix may cost the same everywhere (I don't know... maybe?), but at Costco you could spend the same amount and get extra stuff with it...
by Easy Rhino
Wed Feb 25, 2015 6:37 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 126
Views: 8882

Re: Commission sales or salary?

Well gee, if he loves sales and dislikes his old field, then he should probably stick with sales.

Who knows, he may want to do sales in some other industry.
by Easy Rhino
Wed Feb 25, 2015 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Commission sales or salary?
Replies: 15
Views: 1161

Re: Form 1116 country of origin

I think the correct answer is RIC, although I don't know the block software specifically.

Any chance you don't need to fill out the 1116 at all? If it's dividends below a certain amount, you can skip it.
by Easy Rhino
Wed Feb 25, 2015 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Form 1116 country of origin
Replies: 11
Views: 357

Re: Another Should I participate in my ESPP?

so it sounds like you'd get 12 lots of stock per year, one each month? Each individual lot must be held 12 months, or something else? That is kind of a long time. It seems like if you sold 5.5 months into each offering period, you would be able to purchase the maximum amount of stock. Also, is there...
by Easy Rhino
Tue Feb 24, 2015 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another Should I participate in my ESPP?
Replies: 6
Views: 481

Re: State pension buying years of service

My wife had to make a similar decision a few years ago here in California. I don't think the 'air time' option is available any more for CalPERS though. The actuarial assumptions behind the buyback and the effect of the increased service credit were, frankly, beyond us. We knew that it was supposed ...
by Easy Rhino
Tue Feb 24, 2015 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: State pension buying years of service
Replies: 1
Views: 263

Re: Air Quality Testing for home inspection?

as someone who thought we had might have had a mold problem, and even had a mold inspector out briefly, I wouldn't bother with the mold air test. There's some level of mold in the air all the time. And if it finds a higher than desired level, it doesn't do anything to tell you the source. So if it d...
by Easy Rhino
Tue Feb 24, 2015 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Air Quality Testing for home inspection?
Replies: 21
Views: 1041

Re: Read WSJ every day ?

i'm also a big fan of buying it with airline miles. I usually read the paper but sometimes read the app version when travelling. Not too useful from a personal finance perspective. During the financial crisis, when hedge funds and banks and governments were failing left and right, it was a really ex...
by Easy Rhino
Fri Feb 20, 2015 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4963

Re: Cap Gains & Divs killed me this year

well, you mentioned selling a few AAPL shares. Selling even a few would be a big capital gain if they were held for a long time.

I don't have any of my taxable holdings set to automatically reinvest anything. It's just a pain to track the different lots.
by Easy Rhino
Fri Feb 20, 2015 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 61
Views: 5876

Re: Which light bulbs are best bang for the buck?

Our house has mostly LED's, especially for any area where the light is used a lot. For a few cases of limited use and where I need instant on, dimmability, or outdoor security lights, I have some incandescents. For some interior uses where the effiiency and warmup aren't issues (inside ceiling fans,...
by Easy Rhino
Wed Feb 11, 2015 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 3460

Re: my review of my HSA with Saturna brokerage

Could someone with a Saturna account tell me how to go about funding the account? Do you go straight to "Trading Stocks" and the money will be ACH'ed from bank? Or are you supposed to fund some sort of sweep account (like Vanguard's Money Market)? If so, where do you go to fund this accou...
by Easy Rhino
Sat Feb 07, 2015 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 49
Views: 10121

Re: my review of my HSA with Saturna brokerage

If you are opening a brokerage account you don't need to put anything into one of their mutual funds.
by Easy Rhino
Sun Feb 01, 2015 12:17 am
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 49
Views: 10121

Re: Accidentally forgot a credit card for three months HELP!

something similar happened to me about 9 years ago. I had a card with like a $12 balance on it, and forgot I had the balance. I missed statements for a good 5 months, the account went very delinquent and was then charged off! My my credit score was hurt a lot by it. When I finally realized this (I w...
by Easy Rhino
Sat Jan 31, 2015 2:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Accidentally forgot a credit card for three months HELP!
Replies: 40
Views: 3975

Re: my review of my HSA with Saturna brokerage

Note that the vanguard ETF's have just the regular 14.95 commission. Also, at mossysf's mention of T Rowe Price, it seems that their SP500 fund, PREIX is listed as no fee and has an ER of 0.28%. Their bond fund, PBDIX, is also on the no fee program with an ER of 0.3% I say it 'seems' like they're on...
by Easy Rhino
Tue Jan 13, 2015 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 49
Views: 10121

Re: Why not just let cash be cash?

SIPC coverage limit if the brokerage folds with your cash in their account?
by Easy Rhino
Mon Jan 12, 2015 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not just let cash be cash?
Replies: 27
Views: 2535

Re: Questions about mortgage refinancing

I wouldn't particularly advise extending a mortgage or getting a cash out refi in order to invest, no. However, I'm in the process of trying to refi right now. Rates are pretty darn low. You might be able to get a 15 year loan with a rate of close to 1% lower than what you currently have. It might b...
by Easy Rhino
Mon Jan 12, 2015 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about mortgage refinancing
Replies: 8
Views: 502

Re: Home Energy Audit - worth it?

Similar to others, I found an energy rater from our state (California here), full price woulda been around $600 but we had just bought the house so rebates took our cost to zero. Two contractors and one admin person spent 2 or 3 hours doing the test. What I really liked was that when we got the resu...
by Easy Rhino
Mon Jan 12, 2015 9:45 am
 
Forum: Personal Consumer Issues
Topic: Home Energy Audit - worth it?
Replies: 22
Views: 2343

Re: Getting Married - Want advice merging Portfolio & Taxes

Congratulations! Indeed it doesn't seem like there's a lot to commingle. Most everything is in retirement accounts which are going to stay in one person's name. Are you and your fiancée on board with having the same asset allocation? That's probably the most important thing In theory, if you transfe...
by Easy Rhino
Fri Jan 09, 2015 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting Married - Want advice merging Portfolio & Taxes
Replies: 24
Views: 1973

Re: Changes (mostly bad ones) to my 401k. Who benefits?

I would hope that the employer is at least getting reduced plan expenses out of it. If they didn't, then I would think they were fully hoodwinked. But the mere addition of those funds isn't that terrible, what bothers me more is the marketing of them as core investments. For an extreme version, imag...
by Easy Rhino
Fri Jan 09, 2015 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changes (mostly bad ones) to my 401k. Who benefits?
Replies: 34
Views: 2702

Re: What to do with my stupid losses?

Ask yourself if you would want to spent $30 right now to buy these stocks? If not, go ahead and sell them.
by Easy Rhino
Wed Jan 07, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my stupid losses?
Replies: 16
Views: 1543

Re: my review of my HSA with Saturna brokerage

I got a PM with a question about this account, and I thought I'd share. Since I'm in California, I need to worry about capital gains for state tax purposes. Saturna offers several different methods of lot identification when selling, including individual lot selection. Also, I looked at a few compan...
by Easy Rhino
Wed Jan 07, 2015 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 49
Views: 10121

Re: Lightbulbs in Fully Enclosed Recessed Fixtures

I wonder "how enclosed" they really mean when they mean fully enclosed... I mean, if it's enclosed but the enclosure is a food across... is that okay? We've got a hodgepodge of lighting in our house, but that's okay with me. The house had a ton of recessed lighting, I had bought some indiv...
by Easy Rhino
Tue Jan 06, 2015 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Lightbulbs in Fully Enclosed Recessed Fixtures
Replies: 57
Views: 4274

Re: Keurig Coffee Makers

So, here's my dilemma. I personally prefer using a regular drip coffee maker with a timer so it will be ready when i wake up. But when I forget to set it, I'm not functional enough in the morning, so we have a keurig for backup and emergencies. That's two coffee makers sitting on our counter the who...
by Easy Rhino
Tue Jan 06, 2015 1:31 am
 
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 37
Views: 2756

Re: Another Down Payment Math Problem

1. It's not clear to me why a Boglehead would reduce retirement savings? After reading this forum for a few years I struggle to understand that. My thought would be that money is fungible, max all retirement space when possible, if the money is needed later then figure out how to withdraw. This wou...
by Easy Rhino
Mon Jan 05, 2015 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Down Payment Math Problem
Replies: 14
Views: 2138

Re: Another Down Payment Math Problem

It seems like you, I mean the hypothetical family, could generate some pretty decent cash savings if you reduced retirement savings. In terms of your cash needs, if you have a 375k house, you need over 75k to have a 20% down payment to get the lowest rates. Because settlement costs are gonna be, lik...
by Easy Rhino
Fri Jan 02, 2015 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Down Payment Math Problem
Replies: 14
Views: 2138

Re: LED Flood Light Question (CREE/FEIT/Etc)

We have a bunch of recessed LEDs. They don't dim as far down as incandescents for me either They indeed 'feel' brighter, even at the same max brightness and color temperature. I've used BR30 bulbs from several manufacturers. The biggest difference was how "pointy" the light LED's would loo...
by Easy Rhino
Fri Dec 26, 2014 2:32 am
 
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 18
Views: 2826

So, are there any appealing commodity funds/etfs?

Since people are treating oil prices like they're in a free fall, I feel it's a good time to wake from my hibernation of thinking about commodity funds, which I haven't even thought about in the last couple of years (and have never purchased). Are there any good commodity funds, or etf's or other in...
by Easy Rhino
Fri Dec 12, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: So, are there any appealing commodity funds/etfs?
Replies: 3
Views: 646

Re: Has anyone used a West Elm card?

well there's the fundamental limitation where the bonus bucks can expire in a short time, and also have their "must be used in one transaction" limitation.
by Easy Rhino
Wed Dec 10, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone used a West Elm card?
Replies: 3
Views: 660

Re: Has anyone used a West Elm card?

it seems like the problem is not the credit card, it's the design dollars program itself. Which looks pretty crappy.
by Easy Rhino
Wed Dec 10, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone used a West Elm card?
Replies: 3
Views: 660

Re: Virus Protection

I've alternated between AVG free and Microsoft Defender.
by Easy Rhino
Wed Dec 10, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Virus Protection
Replies: 11
Views: 975

Re: How long do grilles last?

man, last year, the first time I used my then-new #300 propane grill, I ended up with the entire hood engulfed in flames from the burned meat. there's still an awesome scorch mark on it.

I don't think I'm going to get 10 years out of it.
by Easy Rhino
Tue Dec 09, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: How long do grilles last?
Replies: 26
Views: 2562

Re: Holiday Tipping

We just paid our housekeeper double her usual amount on her most recent biweekly visit.

anyone tip a newspaper deliverer?

Our deliverer (who I've never actually caught in person), included a self-addressed holiday card in my newspaper so I could presumably send her a tip.
by Easy Rhino
Tue Dec 09, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 13
Views: 1524

Re: Suspicious House Odor

have a wet dry vac? Vaccuum the water out of the u-trap in the shower to get full unblocked sewer smell, then see if that's a stronger version of what you're already smelling.

... then put water back in there to re-trap it please.
by Easy Rhino
Tue Dec 09, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Suspicious House Odor
Replies: 22
Views: 3171

Re: Have you ever been let go?

the small company i was working for went of business when I was in my mid 20's. Was actually unemployed for over a year, fortunately I had cash savings and few responsibilities at the time.
by Easy Rhino
Tue Dec 09, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5810

Re: Harvey paper says re-balancing adds risk

so to truly reduce risk, only rebalance on the way up and not on the way down?
by Easy Rhino
Tue Dec 09, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 5091

Re: Who Paid for the wedding?

I believe the Ms. Manners/Martha Stewart method has very specific rules. Bridges family pays for reception, Groom's for rehearsal dinner. Other things I don't remember and are outdated anyway. When we got married my (the groom's) parents gave us cash for most of the wedding. The bride's gave us cash...
by Easy Rhino
Mon Dec 08, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6742

Re: Most Hated Brokerage Firm? [or one that you love]

No personal hatred of any brokerage. I'm surprised Edward Jones hasn't gotten more hate though. I have positive feelings (but not as far as love) for Charles Schwab and Fidelity. Even though most of my investments are over at Wells Fargo. I did have two somewhat remarkable, to me, interactions with ...
by Easy Rhino
Fri Dec 05, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 11286

Re: Any regrets going from iOS to Android phone?

I have a personal Android (MotoX) but a work Iphone (5s) I like the android more for most things, but Facetime is substantially superior for video chat than Google Hangouts, and most of my relatives have iphones. And there's the occassional app (usually a game) that's only available for one or the o...
by Easy Rhino
Fri Dec 05, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3442

Re: Where do you shop for groceries?

Mostly at the local Albertson's or Vons (safeway) because they're so close.

But a lot is bought at costco, and a lot is bought as a few Japanese and Korean markets because my wife and daughter love the teeny tiny cookies.
by Easy Rhino
Fri Dec 05, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8156

Re: Long-Lasting Incandescents + LED Question

However, at current prices of pigtails vs LEDs (~$2 vs ~$20), the LED will never pay for itself. The problem is that the LEDs are really not significantly more efficient than the pigtails (18w vs 23w). To even get to a reasonable 10 year breakeven point, the LEDs will have to be priced at about hal...
by Easy Rhino
Fri Dec 05, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 5110

Re: Fly or drive [with a newborn]?

to be honest we were scared to travel with our daughter via either method until she was about 1.5 years old (and then we flew and still had to rent a car for a 5 hours drive... it was long). With airplanes, you get the faster travel time, and the lack of having to actively *do* anything to handle th...
by Easy Rhino
Fri Dec 05, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive [with a newborn]?
Replies: 58
Views: 4816

Re: Long-Lasting Incandescents + LED Question

if I read the Internets correctly, the biggest cause of buzzing would be incandescent lights on a dimmer, because the rapid voltage on/off turns into a magnetic field, which vibrates the filament, which can cause buzzing.
by Easy Rhino
Thu Dec 04, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 5110

Re: Long-Lasting Incandescents + LED Question

since these are in recessed ceiling fixtures, directionality probably isn't much of an issue... well as long as the light goes down.
by Easy Rhino
Tue Dec 02, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 5110

Re: Long-Lasting Incandescents + LED Question

in the original post, why does the hallway need incandescents, and why long-life? Are they a hassle to replace? Do they have special fixtures (candelabra), are they illuminating works of art? I had to replace a light bulb earlier this year on a tall ceiling above a staircase, so I can probably sympa...
by Easy Rhino
Mon Dec 01, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 5110

Re: Discover Card - New Deal

i like to redeem my discover points for gift cards where I get a "discount" on the gift card face value.
by Easy Rhino
Wed Nov 26, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Discover Card - New Deal
Replies: 13
Views: 2107

Re: Being woken up by neighbors above me

they're already in bare feet, that's about as quiet as it can get since it makes them more likely to walk softly than in shoes. They'd have to intentionally try to scamper around on the balls of their feet. Sound insulation and resilient strips could be installed in your ceiling to reduce footstep n...
by Easy Rhino
Wed Nov 26, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 6430
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