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Re: Yahoo changes are awful - what homepage do you like?

sclaus wrote:FYI, looks like http://uk.my.yahoo.com is working.


Not anymore...
by Valdeselad
Tue Apr 01, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: Yahoo changes are awful - what homepage do you like?
Replies: 66
Views: 5123

Re: HSA Tax Forms Not Available (Chase)

I noticed that my 1099 or 5498-SA is not available. Did you take any distribution from the HSA in 2013? If not, no 1099-SA will be issued. 5498-SA isn't due until May. @tfb - Thanks, that's the likely explanation. Provided I have no 1099, I'll run back through Turbo Tax and see what kind of info. i...
by Valdeselad
Sun Mar 16, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Tax Forms Not Available (Chase)
Replies: 4
Views: 215

HSA Tax Forms Not Available (Chase)

My company's HSA account/investment is done through Chase (http://www.chasehsa.com). I assume many other companies are utilizing the same system. My dilemma is that as I was doing my 2013 taxes this weekend, I noticed that my 1099 or 5498-SA is not available. I don't recall Chase being this late in ...
by Valdeselad
Sun Mar 16, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Tax Forms Not Available (Chase)
Replies: 4
Views: 215

Re: Brooks Brothers Pants - To buy now or wait

market timer wrote:Yes, I bought those exact trousers for something like 30% off at a recent sale.


@market timer: Thank you, just the response I was looking for.
by Valdeselad
Sun Jan 26, 2014 2:54 am
 
Forum: Personal Consumer Issues
Topic: Brooks Brothers Pants - To buy now or wait
Replies: 10
Views: 1076

Brooks Brothers Pants - To buy now or wait

All, Hoping some of the fashion experts will chime in. I was in Brooks Brothers yesterday and came across the Gabardine trousers - Madison fit...great fit, great work pants and really liked the quality; however they were pricey. My question is are these pants typically included in the big sale that ...
by Valdeselad
Sat Jan 25, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Brooks Brothers Pants - To buy now or wait
Replies: 10
Views: 1076

Re: Aggressive Mortgage Paydown

I think in these situations which are a close call it's totally okay to do what makes you feel better. It's in those situations where your emotions are leading you to make really bad financial decisions that you should take all of the emotion out of it. I devote all extra money to taxable investing...
by Valdeselad
Mon Oct 21, 2013 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Aggressive Mortgage Paydown
Replies: 38
Views: 4574

Re: PenFed Rewards Point Change?

Wow, really glad I just did a redemption 2 days ago at the old rates.
by Valdeselad
Fri Aug 16, 2013 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Rewards Point Change?
Replies: 63
Views: 4829

Re: Does VTI already include REIT

Yes, it does. If you click "Compare" on the Vanguard page for any fund, then scroll down towards the bottom, you'll see "Equity sector diversification." It lists "Real Estate" as 3.59%. The REIT fund (VNQ) has 98.67%. Small-cap value (VBR) has 17.41%, Total Internation...
by Valdeselad
Fri Aug 16, 2013 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Does VTI already include REIT
Replies: 17
Views: 1838

Re: RBD (Really Bad Day) today ?

You've got to be kidding.
by Valdeselad
Thu Aug 15, 2013 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: RBD (Really Bad Day) today ?
Replies: 69
Views: 6853

Re: How have stocks fared when CAPE > 24?

If you're referring to an end of year basis, and you're using reported earnings instead of operating earnings (which you should), PE10 is highly skewed because of 2008 (PE of 60). Even if the market continues to increase in price, PE10 will actually decrease (to about 18) once we hit 2018 and roll o...
by Valdeselad
Fri Aug 02, 2013 11:31 am
 
Forum: Investing - Theory, News & General
Topic: How have stocks fared when CAPE > 24?
Replies: 98
Views: 5967

Re: Stumped by a Stump

I've removed several 1-2' diameter stumps, attempting every technique possible. >Burning. Forget it. Takes forever. >Stump-rotting chemicals: Never worked for me. >Ax, shovel, and winch or high-lift jack. Works, but a LOT of work. Take care what you attach your come-along to; you could easily pull ...
by Valdeselad
Mon Jul 29, 2013 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Stumped by a Stump
Replies: 49
Views: 3099

Re: Stumped by a Stump

guitarguy wrote:How big is the stump?


Not exactly certain, but I'm going to say about a foot in diameter, give or take a bit.
by Valdeselad
Fri Jul 26, 2013 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Stumped by a Stump
Replies: 49
Views: 3099

Re: Stumped by a Stump

Unless you're grinding/pulling it out, stump removal can be a slow process. After cutting the tree, drill holes into the stump and then wait a few months for it to dry out a bit. Next, pour stump remover into those holes and wait 3-6 months. Finally, soak the stump in kerosene and burn it out. Even...
by Valdeselad
Fri Jul 26, 2013 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Stumped by a Stump
Replies: 49
Views: 3099

Re: A Boglehead in the NFL????

Would be interesting if any famous athletes or celebrities actually do post or lurk on Bogleheads, flying under the radar. These are groups that are heavily stereotyped but, like everything else, I'm sure there are exceptions.
by Valdeselad
Fri Jul 26, 2013 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: A Boglehead in the NFL????
Replies: 13
Views: 1806

Re: Stumped by a Stump

If you're reasonably comfortable with power equipment, small stump grinders can be rented. I'm assuming the stump is relatively small as it was an overgrown weed and you handled the cutting down on your without a professional. Brian You're correct, the stump is not that big since it started as a we...
by Valdeselad
Fri Jul 26, 2013 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Stumped by a Stump
Replies: 49
Views: 3099

Stumped by a Stump

I need some advice removing a pesky stump that remains from cutting a tree down. I should clarify a bit. I live in Texas and this was really just a weed that turned into a (rather large) tree. Some friends of mine helped to cut the tree down and haul it away, but the stump remains. At the suggestion...
by Valdeselad
Fri Jul 26, 2013 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Stumped by a Stump
Replies: 49
Views: 3099

Re: PenFed Platinum Rewards Visa CC changes

This is really a mess. I just called to try and verify if they were changing me from 5/3/1 to 3/2/1 rewards. The customer service person looked up my account, said that I was changing, that I had been sent notification and that there was no way to opt out. When I asked her to verify when I had been...
by Valdeselad
Wed Jul 24, 2013 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Platinum Rewards Visa CC changes
Replies: 118
Views: 15884

Re: PenFed Platinum Rewards Visa CC changes

I'm confused...I just got the new Signature card in the mail the other day. I just checked PenFed's website and it appears that the 5 points towards gas is a promo that's only being run until 10/31/13, and then it reverts to 3 points. Am I reading this right? Yes. I thought that might have been tru...
by Valdeselad
Tue Jul 23, 2013 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Platinum Rewards Visa CC changes
Replies: 118
Views: 15884

Re: Cutting the cord on Cable

We got rid of Dish Network about 6 months ago and now just use Netflix and ESPN's app on Apple TV for College Football. We have a Roku, Apple TV and Xbox to stream with and haven't had a problem. We tried Hulu but after 6 months of not having any commercials the commercials drove us insane. We are ...
by Valdeselad
Tue Jul 23, 2013 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 9385

Re: Weber Grill and Consumer Reports

I would recommend shelling out a little extra dough and move up to ceramic grills. I have a Primo XL. Big Green Egg, and Kamodo Joe are also popular brands. Ceramics give that classic BBQ flavor and keep food far more moist, I light the natural lump charcoal with a torch in just a few minutes. I wa...
by Valdeselad
Mon Jul 22, 2013 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Weber Grill and Consumer Reports
Replies: 44
Views: 5446

Re: PenFed Platinum Rewards Visa CC changes

Sorry for resurrecting an older thread. Just got my new Pentagon VISA Signature Card. I, too, have just received the new card. Unlike the old one, it's flat, i.e., the numbers and my name are not raised above its surface. Are there other "flat" credit cards? This may create issues with me...
by Valdeselad
Sun Jul 21, 2013 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Platinum Rewards Visa CC changes
Replies: 118
Views: 15884

Re: Trying to Better Understand Safe Withdrawal Rates

I think you should also consider failure on the upside: You will live more frugally than you need to, and die with plenty of resources left. Even at 4%, this is a much more likely scenario than running out of money. Keith Keith - Thanks for the comment...this was part of what I was getting at in th...
by Valdeselad
Thu Jul 18, 2013 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to Better Understand Safe Withdrawal Rates
Replies: 33
Views: 2710

Re: Trying to Better Understand Safe Withdrawal Rates

This study, overlaid with other studies on portfolio success with varying SWR's and AA's makes me feel that a fixed 4% SWR with at least a 50/50 AA has a pretty good chance for success. But that's for 30 years, right? What would the SWR and AA be if you wanted to be confident for 40 years? 50 years...
by Valdeselad
Mon Jul 15, 2013 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to Better Understand Safe Withdrawal Rates
Replies: 33
Views: 2710

Trying to Better Understand Safe Withdrawal Rates

All, I'm trying to get a better understanding on the details and assumptions of longer-term safe withdrawal rates. When a comment is made referring to 2, 3 or 4% SWR, is this supposed to be valid for an infinite amount of time or only for a set # of years (wiki has 15-30 years)? Does this base SWR a...
by Valdeselad
Mon Jul 15, 2013 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to Better Understand Safe Withdrawal Rates
Replies: 33
Views: 2710

Re: Never time the market, i know...

International and emerging markets are not at their highs - you can start there if that would help with your concerns.
by Valdeselad
Fri Jul 12, 2013 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Never time the market, i know...
Replies: 48
Views: 5002

Re: Buying Wall-to-Wall Carpet: What Do I Need to Know?

Recommend BCF - band continuous fiber and nylon carpet preferably with good stain guarantee. Also look for fiber density and/ or weight of the carpet to compare two types. Finally the type of fiber weave used loop versus cut pile also makes a difference. Google search will also help you understand ...
by Valdeselad
Tue Jun 18, 2013 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Buying Wall-to-Wall Carpet: What Do I Need to Know?
Replies: 28
Views: 2458

Re: WiFi Router Recommendations?

They are on the pricey end but the most robust router I've ever owned, bar far, is the Apple AirPort Extreme: http://www.apple.com/airport-extreme/. Very reliable and extremely easy to use. The only change I recommend from the default settings is assigning a different SSID for the 5ghz band. I foun...
by Valdeselad
Mon Jun 17, 2013 12:00 pm
 
Forum: Personal Consumer Issues
Topic: WiFi Router Recommendations?
Replies: 44
Views: 3287

Re: Savannah, Ga trip

http://thesistersofthenewsouth.com/ordereze/home.aspx This was the best restaurant we found in Savannah, and we went to many of the more well known, expensive touristy ones as well. It's small, local, inexpensive and the food is amazing. It's true Southern food, if that's what you're looking for. S...
by Valdeselad
Thu May 09, 2013 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Savannah, Ga trip
Replies: 11
Views: 668

Re: Tracking credit card spending

If you're comfortable with Excel, I would just use that.
by Valdeselad
Fri Mar 01, 2013 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking credit card spending
Replies: 32
Views: 1434

Re: Changes to My Yahoo Portfolio

Seems like this issue may be rearing its ugly head again...anyone else having issues seeing their portfolio through My Yahoo?
by Valdeselad
Thu Feb 14, 2013 9:21 am
 
Forum: Personal Consumer Issues
Topic: Changes to My Yahoo Portfolio
Replies: 19
Views: 1846

Re: pay off debt or invest

illcrx wrote:Paying off debt will give you a much better "feeling" then any investment will, just think about it this way.


:thumbsdown

Investing should not be emotional.
by Valdeselad
Tue Jan 08, 2013 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: pay off debt or invest
Replies: 20
Views: 2555

Homeowner's Insurance Premium - Rules of Thumb

Are there any rough guidelines to what the premium increase (or decrease) may be based on the value of your home? I realize this may vary from state to state, but just looking for some rough guidelines. For example, if you own a 100k home and your homeowner's premium is X, can you assume your premiu...
by Valdeselad
Tue Jan 08, 2013 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance Premium - Rules of Thumb
Replies: 2
Views: 515

Re: Car buying advice

I frequent the Bad Money Advice blog and there was a nice write-up on this topic:

http://badmoneyadvice.com/2010/04/when-to-junk-a-car.html
by Valdeselad
Thu Jan 03, 2013 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Car buying advice
Replies: 15
Views: 1006

Re: sectional sofa for ~$1,000?

I am in the market for a new sectional sofa. I am looking to the best quality for around $1,000. I know it won't be anything special. However, I would like it to last a solid 10 years. Is this possible? Any suggestions on brands/stores to shop at? I don't have a problem doing online shopping either...
by Valdeselad
Thu Nov 08, 2012 2:22 pm
 
Forum: Personal Consumer Issues
Topic: sectional sofa for ~$1,000?
Replies: 14
Views: 1258

Re: Is this a Really Bad Day?

This strikes me as a livesoft's RBD today. If this is how DCA works, then I'm buying some shares today. No real question here per se...just some thoughts. I don't think so. The market is down, but doesn't seem like a big deal. Perhaps I'm desensitized after the last 3 or 4 years, but to me a RBD wo...
by Valdeselad
Wed Nov 07, 2012 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Is this a Really Bad Day?
Replies: 52
Views: 6503

Re: iPad app for this site?

xram wrote:Sure would be nice........
Anything in the works?


Not sure why you would need/want a separate app for this site on the iPad....it works quite well on that device as it's currently designed.
by Valdeselad
Sun Sep 16, 2012 9:01 pm
 
Forum: Forum Issues and Administration
Topic: iPad app for this site?
Replies: 6
Views: 1132

Re: Define "rich" and "wealthy"

Easy Rhino wrote:Kobe Bryant is wealthy.
The guy who pay's Kobe's salary is rich.

Thanks Chris Rock.


I think you got that backwards...
by Valdeselad
Thu Sep 13, 2012 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Define "rich" and "wealthy"
Replies: 24
Views: 1824

Re: PenFed Refi: no contact prior to closing?

When I recently refinanced with Penfed, there was a temporary login where I could see the state of my application, etc. Was this provided to you? If so, what is the status of your application?
by Valdeselad
Mon Aug 13, 2012 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Refi: no contact prior to closing?
Replies: 32
Views: 3613

Re: Amica insurance -- Anybody members here??

One note that current Amica policyholders may be interested in -- I had always been frustrated as a customer that I could not use their automatic payment system (APP) with a credit card; they always required having this tied directly to a bank account (I can't recall, but they may have allowed a cre...
by Valdeselad
Tue Aug 07, 2012 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amica insurance -- Anybody members here??
Replies: 45
Views: 8893

Re: Best Canister Vacuum

The hardest part about getting a Miele seems to be deciding which of the models is the best fit...there are so many of them. For example, is a $600 model really that much better than the $300 base version?
by Valdeselad
Tue Jul 24, 2012 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Canister Vacuum
Replies: 28
Views: 3366

Re: Best Canister Vacuum

Would anyone care to comment on the appeal of a canister vs. an upright?

I'm in the market for a vacuum but have yet to own the canister variety.
by Valdeselad
Tue Jul 24, 2012 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Canister Vacuum
Replies: 28
Views: 3366

Re: Changes to My Yahoo Portfolio

As of this morning, it seems they have switched back to the old format allowing full portfolio views, etc...

This is good news; hope it stays this way
by Valdeselad
Tue Jul 17, 2012 10:20 am
 
Forum: Personal Consumer Issues
Topic: Changes to My Yahoo Portfolio
Replies: 19
Views: 1846

Small Business Offering Retirement Options

Some friends of mine have recently started a business and are beginning the process of offering retirement options to their employees. They wanted some advice and I told them I knew no better place than to get feedback from this group. After some research, here are some options regarding retirement ...
by Valdeselad
Fri Apr 06, 2012 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Small Business Offering Retirement Options
Replies: 0
Views: 104

Re: Vanguards Turbo Tax offer

I believe schwab.com has a better discount than Vanguard if you have an account (35% at Schwab vs. 25% at Vanguard).

You have to login and then do a search for Turbotax.
by Valdeselad
Fri Feb 17, 2012 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguards Turbo Tax offer
Replies: 48
Views: 2439

Re: What is the S&P's price to earning ratio

At today's price, and using the S&P earnings data, the P/E is just under or just over 13 depending on if you're using reported or operating earnings.

The equity risk premium is ~ 7.6%, the highest level it has been since 1979.
by Valdeselad
Wed Feb 15, 2012 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: What is the S&P's price to earning ratio
Replies: 24
Views: 1573

Re: Upcoming Expat - Property Management Company Houston

We left the Houston area for an expat assignment in 2009, and had a real estate management company look after our house. These companies are generally good about completing potential tenant background checks, organizing lawn services and/or repairs. Additionally, our company makes one interior visi...
by Valdeselad
Sat Jan 28, 2012 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upcoming Expat - Property Management Company Houston
Replies: 2
Views: 321

Upcoming Expat - Property Management Company Houston

Hello All, I have an opportunity in the next few months to move overseas for my job. Most of my situation is pretty simple and straightforward, however I do own a home which will either need to be rented out or sold. I'm wondering if anyone on the boards has experience working with a property manage...
by Valdeselad
Fri Jan 27, 2012 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upcoming Expat - Property Management Company Houston
Replies: 2
Views: 321

Re: Backdoor Roth still an option in 2012?

If you estimate you'll be on the edge of the income eligibility cutoff (full or partial) for contribution to a Roth IRA, would there be any reason not to do the backdoor method? I realize it's a bit of a hassle, but it's much less of a hassle than having to recharacterize contributions because you e...
by Valdeselad
Thu Jan 05, 2012 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth still an option in 2012?
Replies: 13
Views: 1238

Re: Savannah, Georgia

I appreciate the timing on this thread as I'm heading to Savannah during the next few weeks.

I'm staying in the historic district for several nights, but would appreciate any suggestions of a nice place to stay (B&B perhaps) around Tybee Island or other neighboring beach communities.
by Valdeselad
Mon Dec 26, 2011 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Savannah, Georgia
Replies: 25
Views: 1862
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