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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: 46
Views: 9411

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: 34
Views: 3148

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: 46
Views: 9411

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: 2517

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: 487

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: 2294

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: 1945

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: 2671

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: 1537

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: 46
Views: 9411

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: 4232

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: 2736

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: 2107

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: 2107

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: 2746

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: 644

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: 659

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: 659

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: 973

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: 2548

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: 1514

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: 3151

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: 5779

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: 5051

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: 6701

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: 11238

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: 3429

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: 8033

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: 5068

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: 4801

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: 5068

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: 5068

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: 5068

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: 2071

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: 6397

Re: Light Bulb Question

"tube vs twisty" is a red herring. Look inside the frosted pic of the reflector, it's still twisty in there too. The real question is what shape of a bulb do you want, and that depends on where you're installing it. you want the bulged reflector (BR30) in a recessed light, while the uncove...
by Easy Rhino
Wed Nov 19, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 6804

Re: Humidifier: How much condensation is too much?

maybe some caulk for that one window is in order.

I remember when I was a kid, the house furnace had a humidifier, but we had some very energy in-efficient windows. Sheets of ice would form on the inside where condensation would freeze against them. As a kid it was pretty cool.
by Easy Rhino
Wed Nov 19, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Humidifier: How much condensation is too much?
Replies: 35
Views: 2949

Re: Experience with Target Redcard?

My wife looooves Target and there's one close to us.

But the admistrative toll of having both a checkbook and a target card app was too much for her and the card didn't work. So I ended up getting the decoupled debit card.

It saves us 5% so it's fine.
by Easy Rhino
Thu Nov 13, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 3700

Re: Very old Chinese bond; worth anything?

despite the fact that both governments were overthrown after that bond was issued, that's still amazingly cool.
by Easy Rhino
Thu Nov 13, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Very old Chinese bond; worth anything?
Replies: 18
Views: 1932

Re: Messy baby restaurant etiquette

We'd like to get him used to eating at the same time as us. Having dinner together as a family was important to us as children, and we would like to continue that sentiment with our family. We don't want him to get in the habit of having his food in front of him as soon as he sits down, before we h...
by Easy Rhino
Wed Nov 12, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 5018

Re: War on Debt

if the gas expenses are that high from visiting family, then maybe you aren't really that close to family at all. you could look for higher paying jobs that are actually closer. Minor things: - trade cars if your is substantially more fuel efficient - sell her car and buy a cheaper more efficient on...
by Easy Rhino
Fri Nov 07, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 32317

Re: Increased Premium Paid for Premium Gas

around here lots of stations only have a 10 cent jump between each grade of gas.

It must be really street-corner dependent.
by Easy Rhino
Thu Nov 06, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Increased Premium Paid for Premium Gas
Replies: 24
Views: 2140

Re: Tax Benefits of a house

we got our house late last year, and learned that with just a few months of interest payments, it made our itemized deduction just barely equal our standard deduction.

But for this year, with a full year of mortgage payments, we'll be itemizing like crazy.
by Easy Rhino
Thu Nov 06, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Tax Benefits of a house
Replies: 12
Views: 1600

Re: I bought this new mattress….

I wouldn't think an innerspring mattress would 'break in' at all . It will probably be like that forever until it starts to wear out. What might break in is you getting used to sleeping on it. But also, this mattress doesn't even fit the box spring? That sounds kind of messed up. For our guest room,...
by Easy Rhino
Thu Nov 06, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: I bought this new mattress….
Replies: 16
Views: 2375

Re: Your very first email

Man, I think it was an email sent through a BBS system in the early 90's. Some crazy setup where the email was trasmitted to another BBS in batch which had a internet gateway. I might have even had to borrow someone else's account.
by Easy Rhino
Thu Nov 06, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2591

Re: Dimming Sunset LED's Lamps?

you know, our house has a lot of recessed lighting on dimmers, and we use LED's that are 2700k warm white, but don't get warmer when dimmed.

It seems fine to us. Although admittedly we're not trying to emulate a fireplace.
by Easy Rhino
Wed Nov 05, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Dimming Sunset LED's Lamps?
Replies: 5
Views: 579

Re: LED Christmas lights?

I like the led's because you can have longer strings together.

My joke is that the cool white ones outside our house make it look like a supernova about to burst. Or some other appropriately sciencey analogy.
by Easy Rhino
Wed Nov 05, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 19
Views: 3722

Re: What do you set your thermostat to (in F)?

we're outside san diego, so our weather isn't too harsh. But we did get insulation added last year, because the drafts and chilliness were aggravating in the winter.

71 in the winter
76 in the summer (but only turned on manually).
by Easy Rhino
Wed Nov 05, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4820

Re: house odor after crawlspace encapsulation

any change in odor?
by Easy Rhino
Wed Oct 29, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 4077

Re: Do you regret buying your home?

we've just had our first house for a year, and yep, I have regrets quite often. Mainly about repairs and renovations. and the increased cost, of course. (ironically, not the things listed as regrets in the original survey, we researched those). But other times I appreciate the advantages. But my exe...
by Easy Rhino
Thu Oct 23, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 7389
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