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Re: Repairing (Replacing?) Stucco

replace all the stucco or just some?

Due to the texturing, it can be difficult for the pattern of the stucco to match exactly (or at least it can with the patches we had on our traditional stucco house)
by Easy Rhino
Tue Aug 26, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Repairing (Replacing?) Stucco
Replies: 3
Views: 454

Re: My Wife's 401k is expensive.

To reiterate what others have said: - I don't think Ameriprise offers anything that's low-cost. - The advisor is not a fiduciary, the employer is the fiduciary - Arguing with the advisor won't get you anywhere. Even if you 'win', nothing changes - Your wife could make rational argument to the boss o...
by Easy Rhino
Tue Aug 26, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Wife's 401k is expensive.
Replies: 23
Views: 1456

Re: Who sells fresh coffee that is not as strong as Starbuck

Looks like it is 330mg http://www.starbucks.com/menu/drinks/brewed-coffee/pike-place-roast?foodZone=9999#size=3&sweetened=0 wow I didn't know that sbux printed their caffeine values online. That's a lot. I mean, I know from my feelings that there was a lot of caffeine in their coffees, as even ...
by Easy Rhino
Fri Aug 15, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2305

Re: Strategic Default

it will remain on your credit report for 7 years, how about that? The recency of the default will affect different lenders in different ways for different lengths of time. For instance FHA had a hard 3 year moratorium after default: http://www.zillow.com/advice-thread/what-exactly-is-meant-by-the-3-...
by Easy Rhino
Thu Aug 14, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3058

Re: Help with investing for children

my dad wanted to give my toddler some money to invest. Not inside a 529 or anything.

we created a custodial account with me as the custodian

Invested it all in the VT Total World stock ETF. Yes there are dividends but at least she won't have a capital gains hit for a really long time.
by Easy Rhino
Wed Aug 13, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investing for children
Replies: 25
Views: 1706

Re: Government 457b

if it's the Austin plan, then this looks like a list for each investment. https://dcaustin.ingplans.com/einfo/fundinfo.aspx?cl=AUSTIN&pl=680510PU&page=investment_informationfundinformation&domain=dcaustin.ingplans.com&s=rpwcgjgy5pmftxwjzpvcicge&d=9d5274ec7c23c07f361621c258fc3a09e...
by Easy Rhino
Fri Aug 08, 2014 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Government 457b
Replies: 17
Views: 1063

Re: Poll - Do you use Quicken?

I've noticed that my fairly large quicken file (have transactions going back to the 90's) is starting to take a longer time to load and process downloaded updates and whatnot.

Anyone know of performance tweaks I can do without purging older data?
by Easy Rhino
Fri Aug 08, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5083

Re: Term4sale.com vs USAA vs both?

I priced out quotes and USAA was significantly more expensive for me (good health) than several companies through term4sale. Enough that I wouldn't get enough of a bonus discount on my car/home insurance to be worth it. My father in law also worked with the same agent we found from term4sale, and hi...
by Easy Rhino
Fri Aug 08, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term4sale.com vs USAA vs both?
Replies: 10
Views: 1003

Re: Stop Passing Up This Great Deal - In Money Magazine

it looks like the online Money article already has the text corrected about 50/85% of SS benefits being taxable. Crazy idea: the tax rate on Social Security income is 50% to 85%. The crazy idea seems to be a "meme on the rise." It's spreading like wildfire. This confused the heck out of me...
by Easy Rhino
Fri Aug 08, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11067

Re: Attitudes toward inheritances.

My folks are in their late 60's have have a pretty good war chest of savings. Probably more than enough to support their retirements. (you know, probably). I'm an only child, there's a good chance I'll inherit something at some time in the future. I feel kinda weird about it. We're pretty secure fin...
by Easy Rhino
Wed Aug 06, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 110
Views: 9434

Re: New investor wondering how best to use a windfall

congratulations on med school and the baby. Maybe use some of the windfall to pay for babysitting so you can both get some sleep :) Honestly, liquidating the trust fund to restore some cash reserves and pay down a big chunk of those student loans might be a really, really easy way to manage this win...
by Easy Rhino
Thu Jul 24, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor wondering how best to use a windfall
Replies: 9
Views: 571

Re: Advice wanted on first computer purchase since 1982!

you can get air's with retinas. first, I sympathize with decision fatigue. I sometimes breakdown in the paper towel section myself just on regular shopping days. how long does a "number crunching run" take when doing mathematica on your current computer? If it's under like a minute, I'd ig...
by Easy Rhino
Thu Jul 24, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Advice wanted on first computer purchase since 1982!
Replies: 105
Views: 6679

Re: Rich Spouse, Poor Spouse

My wife and I have only been married a few years, and our incomes are different but not super different. you may as well figure out if married filing separately would be useful (it often isn't), just prepare two sets of tax returns and send in the best one. As for apportioning the bill, my wife and ...
by Easy Rhino
Thu Jul 24, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5693

Re: Android smartphone with physical keyboard

I sympathize. i type better with my old cheapo blackberry-esque quick message phone's keyboard than I do with my 4.7" moto x touchscreen. i've got it with keyboards than can use swiping and text prediction, but it's still clunky.
by Easy Rhino
Tue Jul 22, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 44
Views: 2367

Re: Best Battery Charging Strategy

my newish moto x actually scolded me for letting my battery run too low and recommend daily charging and even leaving it plugged in overnight. So that was a surprise. the scolding, I mean.
by Easy Rhino
Sun Jun 22, 2014 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Best Battery Charging Strategy
Replies: 20
Views: 1807

Re: Buying a new mattress and bedding

spend some quality time laying on the different kinds of bed technologies. traditional box spring, memory foam, latex foam, air, etc. a few years ago we bought a sleep science latex bed from costco. We like it a lot. That particular model has been discontinued. For a guest bed, where I didn't care a...
by Easy Rhino
Thu Jun 19, 2014 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 36
Views: 2851

Re: Will adding returns cool the upstairs bedrooms?

I don't know DC heat specifically. I remember it being gross the one time I was there in the summer though. Do you think you'd have windows often at least somewhat often? then a whole house fan might work great. Suck in comfortable air from the outside, equalize the indoor temperature, and as a bonu...
by Easy Rhino
Fri Jun 13, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5031

Re: Solar panels, are they worth it?

yeah 6000kw in one month seems off. Maybe you need your own utility plant :) So.. what everyone else has said. Look up through your utility to see if they have any sort of home energy audits. Maybe you can get one free or for only a few hundred bucks. Our audit was very educational it even presented...
by Easy Rhino
Thu Jun 05, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Solar panels, are they worth it?
Replies: 53
Views: 5206

Re: Question for renters that are happily renting..

we just bought our first house last year.

Living in a house is a chore, i kind of liked renting.

It is, however, nice not having upstairs/downstairs neighbors and having our own driveway to park in.
by Easy Rhino
Thu May 22, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 7006

Re: Ads in Yahoo email inbox that aren't email

i notice it on their app not on the webmail.

and yeah it tricked me the first time.
by Easy Rhino
Fri May 16, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 21
Views: 1769

Re: Cheapest Health Saving Account Brokerage/Admin

bundy, remember that most HSA's are designed to be spending accounts, with checks and debit cards. That's why they have the minimum cash amounts often. from the bank's administrative standpoint, an HSA combines all the hassle of a checking account with all the hassle of an IRA. So a fee isn't entire...
by Easy Rhino
Mon May 12, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Cheapest Health Saving Account Brokerage/Admin
Replies: 15
Views: 1511

Re: I have a perfect 850 FICO score?!

Out of curiosity, for those who have or had 850's, i'm curious, what did your credit profile look like at the time?

For instance, was there a signifcant amount of debt outstanding? Any open mortgages or car loans? How far back would you guesstimate your credit history went?
by Easy Rhino
Thu May 01, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: I have a perfect 850 FICO score?!
Replies: 27
Views: 4209

Re: Did you tell anyone you paid off your mortgage?

I've heard of the mortgage burning parties which seems kind of old fashioned but fun.

I guess you'd have to be of an appropriate age and social circles where it woudn't be awkward.

And you know, always follow good fire safety :beer
by Easy Rhino
Wed Apr 30, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12594

Re: Roof Restoration legit or scam

I also wonder what the heck restoration is. A new set of shingles on top of the old set? last time I was shopping a roof around here the word was that was okay, but only for a second layer on top of an original layer, after that it needs to be torn down and rebuilt.
by Easy Rhino
Wed Apr 30, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Roof Restoration legit or scam
Replies: 22
Views: 1649

Re: $300k vs $600k home

If the more expensive house has expensive addons that the little one doesn't. (i'm thinking a swimming pool specifically) then utilities could be much higher. The pumps are kind of crazy with their electricity consumption. And as already noted by posters who live in places like the Silicon Valley or...
by Easy Rhino
Wed Apr 30, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: $300k vs $600k home
Replies: 37
Views: 4805

Re: Granddaughter"s Fund

My dad wanted to open an account for my baby daughter (his granddaughter). And he didn't believe in 529 plans I guess. And the investment was about We talked and now my daughter has a UGMA (or UTMA I forget, same diff) account. She's the owner and I'm the custodian. The investment we ended up gettin...
by Easy Rhino
Fri Apr 25, 2014 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Granddaughter"s Fund
Replies: 6
Views: 962

Re: In-law Suite

2 bed 2 bath sounds pretty big to tack onto an existing house. How about a separate bungalow?

As mentioned, single story buildings are typically more popular with old folks.
by Easy Rhino
Fri Apr 25, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: In-law Suite
Replies: 19
Views: 1972

Re: Elfcu HSA $24 Wire Transfer Fee

wire transfers at small and medium sized shops are processed manually, so a fee seems pretty reasonable.

However, since elfcu has the special relationship with TDA, it does seem kinda dumb that they have to wire the money instead of just ACH'ing it. I wonder if it's a limitation on the TDA side.
by Easy Rhino
Thu Apr 24, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Elfcu HSA $24 Wire Transfer Fee
Replies: 11
Views: 1072

Re: my review of my HSA with Saturna brokerage

if you liquidated your holdings and withdrew the cash you presumably wouldn't be hit with the fee.
by Easy Rhino
Fri Apr 18, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 28
Views: 4582

Re: [Eli Lilly Fed CU] Elfcu HSA warning for federal employe

I've talked with quite a few credit unions which don't send NOC's at all on transactions. They either post the deposit without complaining (even if they have to jerry-rig something on their side) or they just reject the transaction entirely. It's probably more common at bigger financial institutions...
by Easy Rhino
Mon Apr 14, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Eli Lilly Fed CU] Elfcu HSA warning for federal employees
Replies: 10
Views: 1075

Re: Home Search: how flexible should we be? 2x-2.5x

gee we just bought a house here in san diego that was about 5x our HHI. :annoyed
by Easy Rhino
Thu Apr 03, 2014 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Search: how flexible should we be? 2x-2.5x
Replies: 10
Views: 1421

Re: And suddenly, I'm done...

Yes congratulations. When I 'finished' my investments it was sort of with a whimper as well. Fortunately the financial crisis hit and left me a lot of rebalancing to do :confused
by Easy Rhino
Thu Apr 03, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: And suddenly, I'm done...
Replies: 24
Views: 5112

Re: Putting $ away for children

Introduce them to the trusts. They can't really touch the money anyway for a few years, so just get them used the seeing the statements and such. The 75k from the UGMA's looks to be legally totally theirs. I think you will need to let that bird leave the next. But maybe encourage them to take the mo...
by Easy Rhino
Thu Apr 03, 2014 7:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Putting $ away for children
Replies: 103
Views: 6436

Re: Best ways to show daily news to 9 year old

channel one still exists, a friend is a middle school teacher and they show it in the morning.

http://www.channelone.com/daily-shows/

http://www.channelone.com/family-daily/

... this is actually this first time I've ever seen it. :)
by Easy Rhino
Wed Apr 02, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 2215

Re: my review of my HSA with Saturna brokerage

Could you check on VTSAX, VTIAX, VBTLX, and FSTVX? Thanks! yep they're all listed as something I can place a trade on. then again, since the system would let me try to trade these with 80 bucks, take it with a grain of salt. If access to the admiral funds is a showstopper for you, i'd probably shoo...
by Easy Rhino
Wed Apr 02, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 28
Views: 4582

Re: LED bulb prices

yeah I just put a few (dimmable, more expensive 7.49) ikea bulbs in our guest bathroom.

Consumer reports dinged a them a little bit because they're fairly "directional" in their light pattern. But they seem fine to my untrained eye (most of our rooms are can lights anyway).
by Easy Rhino
Wed Apr 02, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 14706

Re: my review of my HSA with Saturna brokerage

yeah they carry all the vanguard funds, you just have to pay the 14.95 trading fee on them. the ones I see listed as allowing me to place an order: VIPSX VAIPX (admiral) VTIPX VTAPX (admiral) i also personally own the ETF, VTIP. Now, take this with a grain of salt,, I was able to place a buy order f...
by Easy Rhino
Wed Apr 02, 2014 2:21 am
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 28
Views: 4582

Re: Maintenance $$'s spent over the lifetime on your Car

yes, go ahead and splurge and buy some new tires. Then replace them when you stick a penny in the tread with abe lincoln's head down, and the tread doesn't cover up any of his hair any more. Anyway I have a 14 year old Audi. Depreciation is now trivial. But maintenance is a lot. I've had $1000 repai...
by Easy Rhino
Wed Apr 02, 2014 2:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Maintenance $$'s spent over the lifetime on your Car
Replies: 38
Views: 3029

Re: LED bulb prices

No not all LEDs are dimmable. It's better than with CFls though.

I was buying a few at ikea and some we're dim able and some noy
by Easy Rhino
Tue Apr 01, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 14706

Re: my review of my HSA with Saturna brokerage

aha wrote:What funds do they offer?


Pretty much all of them, although most have the transaction fee. If there is any specific obscure fund you're looking for I can try to look it up
by Easy Rhino
Tue Apr 01, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 28
Views: 4582

Re: LED bulb prices

wesef wrote:Dimmable BR30 LEDs were on sale for about $5 each at my Costco a few days ago.


Serious? I just installed 20 br30s that I thought we're a good deal at almost $11 each /groan
by Easy Rhino
Tue Apr 01, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 14706

Re: (Lack of) Emergency Fund - Are We Crazy?

I'd maybe keep a few more grand around in case of an expensive car repair, or a medium sized home repair, just because it would be a pain to sell the stock and deal with capital gains. But you're not being reckless. if you need money within 2 weeks you can get it and you have a buffer in the event o...
by Easy Rhino
Fri Mar 28, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Lack of) Emergency Fund - Are We Crazy?
Replies: 44
Views: 3628

Re: You can lead a horse to water...

I agree that they don't really need an investment advisor, but more of a life planner. One who can advise them to declare bankruptcy if need be. The problem is, investment advisors are going to try to sell them crap, and bankruptcy attorneys are going to push the BK. maybe dave ramseyish advice woul...
by Easy Rhino
Fri Mar 21, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: You can lead a horse to water... [Giving financial advice]
Replies: 50
Views: 5673

Re: Is it ethical to put this on your resume?

"Latin with an emphasis on Mathematics"? Ugh.

If school was long enough in the past, maybe just list the B.A. and not even mention the major.
by Easy Rhino
Thu Mar 20, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ethical to put this on your resume?
Replies: 27
Views: 3052

Re: my review of my HSA with Saturna brokerage

speaking of the HSA wiki, it says this on Saturna: Vanguard funds are available however there is an additional $10 commission to buy/sell them. Fidelity Spartan investor/advantage funds are available with the required minimum investments without the additional $10 commission. This doesn't look corre...
by Easy Rhino
Thu Mar 20, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 28
Views: 4582

my review of my HSA with Saturna brokerage

Hi all. Last year I opened an HSA brokerage account with Saturna brokerage services. They're not mentioned very frequently around here so I thought I'd post a casual review. And since I've had the account for almost a year and not wrote anything extensive, I figured I should get it out here now befo...
by Easy Rhino
Tue Mar 18, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 28
Views: 4582

Re: 529 Account in California

California has no special tax breaks for their own 529.

So while ScholarShare is pretty good (the move to TIAA CREF was a good one), you can go with any state's plan.

Some folks around here have picked plans that offer lots of Vanguard funds. My daughter's plan is with New York's 529.
by Easy Rhino
Tue Mar 18, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Account in California
Replies: 11
Views: 690

Re: [Eli Lilly Fed CU] Elfcu HSA warning for federal employe

There must be a way that payroll can code it as an "S" internally, but as 'checking' externally. Because remember, most HSAs at banks are checkings, anyway. Again, according to the people in payroll I've spoken with, the moment Treasury gets the notification of change saying the account i...
by Easy Rhino
Fri Mar 14, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Eli Lilly Fed CU] Elfcu HSA warning for federal employees
Replies: 10
Views: 1075

Re: [Eli Lilly Fed CU] Elfcu HSA warning for federal employe

The H, S, and C codes are all specific to payroll's system, not to the ACH files that are exchanged between financial institutions (and that's all elfcu sees). There must be a way that payroll can code it as an "S" internally, but as 'checking' externally. Because remember, most HSAs at ba...
by Easy Rhino
Fri Mar 14, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Eli Lilly Fed CU] Elfcu HSA warning for federal employees
Replies: 10
Views: 1075

Re: How old is too old to buy first house?

i think a better question might be "how old is too old to be paying a mortgage". and in general it's probably preferable to not owe money on a mortgage after you're no longer employed.
by Easy Rhino
Fri Mar 14, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How old is too old to buy first house?
Replies: 17
Views: 2331
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