Search found 2884 matches

by Easy Rhino
Sun Jul 05, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Best of poor choices in 401k?
Replies: 10
Views: 944

Re: Best of poor choices in 401k?

it's not the end of the world. I looked up the 2060 target date fund and it's 1.15% It's not good but it's slightly better than average. It's not sufficient reason to avoid the tax savings. Although I do like your general idea to invest up to the match, then a Roth in, then more in the 401. Also, th...
by Easy Rhino
Sat Jul 04, 2015 6:29 pm
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 6633

Re: Aren't we obsessing way too much about our portfolios?

I agree that I did spend way too much thought about my portfolio. But the glory of bogleheadism is that it can also be low maintenance, so nothing fell apart when I got busy with new wife and new kid!
by Easy Rhino
Sat Jul 04, 2015 6:23 pm
Forum: Personal Consumer Issues
Topic: Eating Out
Replies: 57
Views: 6859

Re: Eating Out

I think a big question is also how your fiancée feels about this.

my wife enjoys penny pinching on dinners out less than I do. So we needed to meet somewhere in the middle.
by Easy Rhino
Fri Jul 03, 2015 7:46 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 112
Views: 11607

Re: TIPS - Did you give up?

Yes this is a great thread. I have some of my bond allocation in tips (intermediate in an IRA and short term in a HSA). but my portfolio is mostly equities, so it's not a major focus or anything. The performance of short term tips is particularly baffling to me, since it's been negative recently. If...
by Easy Rhino
Thu Jun 18, 2015 1:20 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 62
Views: 14619

Re: my review of my HSA with Saturna brokerage

thanks for the update Mike, I looked around at the new website. It looks much prettier than the old one. it seems to present more useful information as well (it might be a bit slow on my browser, though). I think I like it. pretending to walk through an order, but cancelling last minute, I can buy V...
by Easy Rhino
Tue May 19, 2015 4:45 pm
Forum: Personal Consumer Issues
Topic: 2 different Cree LED Daylight 60W equivelent bulb options
Replies: 26
Views: 2671

Re: 2 different Cree LED Daylight 60W equivelent bulb options

amd2135, thanks for mentioning light flicker. My wife has complained about unspecified headaches when we dim our LEDs in our house (doesn't bother me) and I wonder if it could be flicker exacerbated by the dimmer. Do you know of any "flicker benchmarks" or review that are publicly availabl...
by Easy Rhino
Tue May 19, 2015 4:38 pm
Forum: Personal Consumer Issues
Topic: Converting garage into office space
Replies: 6
Views: 657

Re: Converting garage into office space

If you want to have "a garage with a desk", it might be pretty issue If you want to turn this into a finished room, considered part of the house's inhabitable area (and including in square footage if you sell), then you may have tons of building code issues pop up (depending on your codes)...
by Easy Rhino
Wed May 13, 2015 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance now or Wait for rate adjustment
Replies: 12
Views: 972

Re: Refinance now or Wait for rate adjustment

As has already been noted, the loan is currently a loan rate, the balance isn't that big, and you have a lot of cash or investments sloshing around that you could pay it of with. I think there's two questions 1) Would you pay off the mortgage now . This isn't too likely since it's a low rate, but ma...
by Easy Rhino
Wed May 13, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Which of these 6 mortgages seem good?
Replies: 40
Views: 4097

Re: Which of these 6 mortgages seem good?

I'd never heard of AimLoan outside of mtgprofessor website. But they have crazy low rates. He mentions goodmortgage and erates, but they are not as forthcoming with rates and closing costs as AimLoan is. The only other lender I found to match AimLoan's rate is National Mortgage Alliance but their c...
by Easy Rhino
Tue May 12, 2015 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Which of these 6 mortgages seem good?
Replies: 40
Views: 4097

Re: Which of these 6 mortgages seem good?

the mtgprofessor website has some good calculators that can show you the total cost of a mortgage over whatever time frame you want to assume (10 years, whatever), including options with different rates and fees. Now, the best calculators also tend to steer you towards applying to one of his "n...
by Easy Rhino
Thu May 07, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off student loans by selling house
Replies: 43
Views: 3125

Re: Paying off student loans by selling house

First, don't do anything big until you're officially married. :sharebeer I think you should treat your housing decision as a housing decision. How much does it cost to live in the house vs moving. How to weigh the comfort and locations of different places to live, rent vs buy of a new place, etc. Th...
by Easy Rhino
Wed May 06, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Debating mortgage refinance
Replies: 8
Views: 808

Re: Debating mortgage refinance

this... this may not matter a whole lot. It seems like you're going to keep paying down your student loans at the same rate, meaning the extra $600 a month would otherwise be saved or spent on snacks or expensive underwear or whatever. Therefore, you could be paying the extra $600 a month right now,...
by Easy Rhino
Tue May 05, 2015 6:04 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to excavate shallow water hole common to both properties
Replies: 31
Views: 2785

Re: Neighbor wants to excavate shallow water hole common to both properties

I'm no hydrologist (good thing there's already one on the thread!), but I don't get the point.

If sometimes there's a big puddle, and other times there no water at all, what good will excavating do? Just get you a deeper puddle that still runs dry?
by Easy Rhino
Mon Apr 20, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: Roof shingle selection
Replies: 20
Views: 2156

Re: Roof shingle selection

I'm also confused if you need to match the old roof in color and texture.

If you get to start over, and if summer heat is an issue, consider a "white" (whitish) color shingle, it helps reflect heat.
by Easy Rhino
Mon Apr 20, 2015 5:40 pm
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 99
Views: 10903

Re: “Entry level” luxury cars under 40k

I have a 15 year old A4. The maintenance is a pain (no huge failures, just expensive upkeep and repairs)

I drove a loan A3 one weekend, years ago. It was very fun. Tiny, but fun.

the talk of Subaru WRX's got me thinking... what about a Mitsubishi Lancer with AWD?
by Easy Rhino
Wed Apr 15, 2015 5:00 pm
Forum: Personal Consumer Issues
Topic: How smart are thermostats?
Replies: 43
Views: 3543

Re: How smart are thermostats?

We have the relatively plain programmable thermostat that was in the house when we moved in. (M-Fri and Sat and Sun schedules). It seems fine for our uses. Weekday schedules are pretty consistent, weekends are unpredictable so we just leave it at flat temperature. It seems fine, i'm not sure what a ...
by Easy Rhino
Wed Apr 15, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 3858

Re: How much should a small tile floor (3' X 5') cost? $2000

Are you going to be replacing it with 'traditional' tile, i.e. stone or porcelain on a mortar bed? Might get a quote from tilers instead of carpenters. The tile portion sounds more demanding than replacing the plywood. Also, if the flooding was extensive, there may be rot or mold, so you might find ...
by Easy Rhino
Tue Apr 14, 2015 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: I... must... stop... Spending!
Replies: 25
Views: 4071

Re: I... must... stop... Spending!

The amount of saving may depend on when you say you're maxing 401k and Roth, if you mean just you or you and your wife. Could be between $23k and $46k. The good news is, you know, that's a lot of savings. Bad news is that you may be setting yourself up on a wobbly stool. With negative cash flow and ...
by Easy Rhino
Wed Mar 25, 2015 9:26 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 62
Views: 14619

Re: my review of my HSA with Saturna brokerage

Rainier wrote:I've got all my forms filled, just don't want to botch the rollover from UMB.

The distribution form UMB doesn't really matter, there's no special reporting code they need to use.

When you mail the check to Saturna, include a note that it's a rollover contribution.
by Easy Rhino
Wed Mar 25, 2015 2:22 am
Forum: Personal Consumer Issues
Topic: Measuring duct volume and/or temperature
Replies: 6
Views: 610

Re: Measuring duct volume and/or temperature

a contractor was doing some tests at our place, but I wasn't paying very careful attention. One device would measure velocity of air in the ducts (I think this device was only mentioned, not actually used). Another was a device that would measure the air pressure in the room. Then you could relative...
by Easy Rhino
Wed Mar 25, 2015 2:19 am
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 12354

Re: Manufactured Spending - Good Idea / Bad Idea?

I've had a few credit cards shut down by the banks for excessive use, and had two audit-type people at two different brokerages call me up and tell me to "cool it" for excessive money transfers.

So yes, there can be downsides.
by Easy Rhino
Tue Mar 24, 2015 5:58 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 62
Views: 14619

Re: my review of my HSA with Saturna brokerage

Which fund is it? In general, if you look at the NAV of the fund from the same date for the same ticker, then it should be the same.

Saturna's going to charge transaction fees on purchase, is there any chance that's accounting for the perceived performance difference?
by Easy Rhino
Fri Mar 20, 2015 7:06 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 62
Views: 14619

Re: my review of my HSA with Saturna brokerage

Those types of questions are fairly common when I've opened brokerage accounts. More intrusive than a bank account. I believe some questions regarding day-trading, for instance, are required by the SEC. I haven't been contacted by Saturna for any reason whatsoever, except when I accidentally made my...
by Easy Rhino
Tue Mar 17, 2015 5:54 pm
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 6606

Re: One Level or Two Level House

I'm not aged yet, but I simply prefer single story, if you can get it.

Our house is mostly single story. One large room (formerly an apartment) is downstairs.
by Easy Rhino
Tue Mar 17, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: Is a larger home downpayment worth it?
Replies: 18
Views: 2652

Re: Is a larger home downpayment worth it?

Where is the house, and perhaps more importantly, what lenders are you getting mortgage quotes from? i'm also surprised that there's a difference between 70% and 80% LTV. (Maybe it's exceeding fannie/freddie jumbo guidelines or something). 10% of an expensive house is, well, a lot of money, probably...
by Easy Rhino
Tue Mar 17, 2015 5:16 pm
Forum: Personal Consumer Issues
Topic: House Foundation Cracks, No big deal or RUN!
Replies: 24
Views: 3142

Re: House Foundation Cracks, No big deal or RUN!

a few questions. the answers won't matter to me, because I'm ignorant, but they will affect you. Is this a slab foundation or something else (crawlspace, etc).? What's the custom in your area if you place an offer and are in escrow? Around here we could always back out (or negotiate) if it looked ba...
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: 853

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
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: 7
Views: 662

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
Thu Feb 26, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 31
Views: 3907

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 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 5451

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
Wed Feb 25, 2015 8:09 pm
Forum: Personal Consumer Issues
Topic: Recommend a quality (and reasonably priced) knife set
Replies: 64
Views: 3273

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 6:37 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 23636

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 6:31 pm
Forum: Personal Consumer Issues
Topic: Commission sales or salary?
Replies: 15
Views: 1548

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 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Form 1116 country of origin
Replies: 11
Views: 539

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
Tue Feb 24, 2015 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Another Should I participate in my ESPP?
Replies: 6
Views: 623

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 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: State pension buying years of service
Replies: 1
Views: 337

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 5:58 pm
Forum: Personal Consumer Issues
Topic: Air Quality Testing for home inspection?
Replies: 21
Views: 1326

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
Fri Feb 20, 2015 6:41 pm
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 65
Views: 7898

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
Wed Feb 11, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 4099

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
Sat Feb 07, 2015 1:45 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 62
Views: 14619

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
Sun Feb 01, 2015 12:17 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 62
Views: 14619

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
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: 4564

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
Tue Jan 13, 2015 5:23 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 62
Views: 14619

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
Mon Jan 12, 2015 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Why not just let cash be cash?
Replies: 27
Views: 2692

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 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about mortgage refinancing
Replies: 8
Views: 584

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 9:45 am
Forum: Personal Consumer Issues
Topic: Home Energy Audit - worth it?
Replies: 22
Views: 2521

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
Fri Jan 09, 2015 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Married - Want advice merging Portfolio & Taxes
Replies: 24
Views: 2288

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 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Changes (mostly bad ones) to my 401k. Who benefits?
Replies: 34
Views: 2879

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
Wed Jan 07, 2015 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my stupid losses?
Replies: 16
Views: 1641

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 2:48 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 62
Views: 14619

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...

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