Search found 2168 matches

by rob
Wed Aug 26, 2015 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Identical fund in two accounts: possible to avoid wash sale rule?
Replies: 14
Views: 1009

Re: Identical fund in two accounts: possible to avoid wash sale rule?

Wash sales have nothing to do with "account"...... These are related and wash sales still apply.
by rob
Tue Aug 25, 2015 9:00 pm
Forum: Investing - Theory, News & General
Topic: John Greaney reviews Vanguard Personal Advisor Services
Replies: 14
Views: 1664

Re: John Greaney reviews Vanguard Personal Advisor Services

I agree it's just as nuts as a percentage for real-estate transactions.... The amount of work does not increase as the asset size changes. I personally think it's a step backwards for Vanguard - but it will no doubt make them more money, so I will benefit anyway.
by rob
Mon Aug 24, 2015 12:47 am
Forum: Personal Consumer Issues
Topic: Cheaper car for someone who enjoys cars?
Replies: 63
Views: 5995

Re: Cheaper car for someone who enjoys cars?

I see the Subi people are out but I hate driving them..... New - Scion, Mazda 6, GTI, Genesis (that one will surprise you) are all in that budget. As someone mentioned above used is a different deal and depending on age ans condition it could put you in the Z3, Z4, Boxter range.
by rob
Thu Aug 20, 2015 10:48 am
Forum: Personal Consumer Issues
Topic: What about the Ford Edge? [Revised for 2015 model]
Replies: 90
Views: 5468

Re: 2015 Ford Edge

I've personally learned to stay away from American-made cars. I stick with Honda now. Might want to check where your Honda was made, rather than the parent company headquarters location - I think it has to be more nuanced than a single brand. Some models are more reliable than others even within a ...
by rob
Tue Aug 18, 2015 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Coming Up With Your Home's Insurance Replacement Cost
Replies: 3
Views: 310

Re: Coming Up With Your Home's Insurance Replacement Cost

How does your location calc the rates? The estimated value they use would be a reasonable guess in a lot of locations. You could also lookup something like zillow.
by rob
Tue Aug 18, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: New Kitchen Appliances
Replies: 31
Views: 2365

Re: New Kitchen Appliances

Anything apart from maytag - we have had nothing but issues with the fridge and dishwasher. Apparently that old quality brand thing is well gone.....
by rob
Mon Aug 17, 2015 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving money in stocks
Replies: 18
Views: 2139

Re: Leaving money in stocks

If you have the need AND will really not react NO MATTER WHAT then I think it's reasonable. It's more complex than that :D
by rob
Wed Aug 12, 2015 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 3344

Re: Is 401K Match included when someone asks you how much you make per year?

First I would never answer a question like that but in my own mind.... ALL portions of the package should be included. It's money I earn that just happens to be paid to my 401K account instead of my pay check.
by rob
Mon Aug 10, 2015 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Six Sigma
Replies: 17
Views: 1964

Re: Six Sigma

A new executive that I straight line report to has a black belt certification, he thinks highly of it. I think you typed the benefit :D I have some certs that are useful only for internal purposes because my mgt think highly of it :D I work with a few people that have lower levels SS and to be hone...
by rob
Sun Aug 09, 2015 11:53 pm
Forum: Personal Consumer Issues
Topic: Best affordable compact car to buy new?
Replies: 35
Views: 2745

Re: Best affordable compact car to buy new?

I've been looking at that list for a kid.... I would add the Mazda 3 series as it compares very well and the lower models are in the higher end of your band.
by rob
Sat Aug 08, 2015 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off last Friday
Replies: 53
Views: 8479

Re: Got laid off last Friday

Layoff will be short term (I know it won't feel like that right now), so I not make a quick decision to move back in with parents in law :shock: I would not give up on finding a similar wage just yet..... You might be right but it's too soon IMO to make a change like this. As for the disability, I w...
by rob
Fri Aug 07, 2015 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting and time off
Replies: 10
Views: 927

Re: Independent Contracting and time off

I used to semi-regularly take 6-8 week blocks as an independent.... My customers were always cool as long as it fitted into various projects - which I obviously worked around. I got a raised eye brow now and then but a lot of the time they assumed it was other customer projects and I didn't feel the...
by rob
Fri Aug 07, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: Comcast Offers-whats the catch?
Replies: 26
Views: 2359

Re: Comcast Offers-whats the catch?

furwut wrote:If I only had a choice ….

As someone who swapped from comcast to fios after an outage for 1 week (after 3 days I got verizon out since I was working from home and needed access and starbucks was just not working :shock: ).... It's NOT greener :oops:
by rob
Fri Aug 07, 2015 12:15 pm
Forum: Personal Consumer Issues
Topic: December Vacation
Replies: 17
Views: 1622

Re: December Vacation

A little further in the same general direction - Fiji, Vanuatu, New Caledonia
by rob
Wed Aug 05, 2015 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a job as a software developer?
Replies: 54
Views: 5099

Re: How to get a job as a software developer?

That said, if you can program and work with data then you can try to move into data science which pays as well as software in the Bay Area. Yeah and don't forget to get that stats degree first.... "Data Science" is a little more than some SQL and coding :D and it's not something to fall i...
by rob
Wed Aug 05, 2015 10:23 am
Forum: Forum Issues and Administration
Topic: Bringing back the poll
Replies: 12
Views: 591

Re: Bringing back the poll

Where is the Yes button :D It's clearly not happening but I liked them (even if they have zip statistical value).....
by rob
Sun Aug 02, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28230

Re: Free Windows 10 Upgrade, Yes or No?

Can someone please explain why I'd want to upgrade from 8.1 which i feel comfortable with. I was lost when I first went from Win 7 to 8 because I couldn't find where things where. Don't want to go thru that again. (Fot the record, I started with DOS 1.0 and have been thru all the other versions exc...
by rob
Sun Aug 02, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can executor take value of personal time?
Replies: 17
Views: 1645

Re: Can executor take value of personal time?

Another Option - Pay to have the house brought up to sale condition - pay expenses from the estate then split the difference.
by rob
Sat Aug 01, 2015 10:58 pm
Forum: Investing - Theory, News & General
Topic: How much of HELOC should I get assuming responsible use?
Replies: 7
Views: 869

Re: How much of HELOC should I get assuming responsible use?

Most people can only claim 100K of a HELOC on tax.... So unless you really think you might need more that seems to be a decent starting point.
by rob
Sun Jul 26, 2015 8:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Developed & Emerging Markets Indexes — Transition Details
Replies: 50
Views: 3970

Re: Vanguard's Developed & Emerging Markets Indexes — Transition Details

sport wrote:We are advised to "stay the course". Apparently this does not apply to Vanguard. :x

Yeah that's just marking stuff to get customers... not something they believe (maybe in the past but not now)
by rob
Sun Jul 26, 2015 7:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Developed & Emerging Markets Indexes — Transition Details
Replies: 50
Views: 3970

Re: Vanguard's Developed & Emerging Markets Indexes — Transition Details

I regret buying into the TM international fund which became the dev mkt index even more now..... I really wish Vanguard would stop the style drift on this thing!
by rob
Sun Jul 26, 2015 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly W2 - Any Retirement Options?
Replies: 10
Views: 853

Re: Hourly W2 - Any Retirement Options?

I might take a position that provides no retirement benefits (or any other benefits) but is technically paid hourly via W2 (not 1099 as I'm used to). Is there any retirement options available - apart from a Roth IRA? Since you have no retirement benefits, you can contribute to a Traditional IRA reg...
by rob
Sun Jul 26, 2015 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Deductions with partial year 401k available....
Replies: 3
Views: 265

IRA Deductions with partial year 401k available....

Let's assume we earn < 183K...... From my reading I could deduct the IRA contribution IF myself and spouse does not have access to a retirement plan (401K etc) at work.

What is the impact if 1/2 of the year I did (and contributed) and the rest of the year I don't?
by rob
Sat Jul 25, 2015 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly W2 - Any Retirement Options?
Replies: 10
Views: 853

Hourly W2 - Any Retirement Options?

I might take a position that provides no retirement benefits (or any other benefits) but is technically paid hourly via W2 (not 1099 as I'm used to).

Is there any retirement options available - apart from a Roth IRA?
by rob
Sat Jul 18, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: After Vanguard Retirement Date Fund, What else?
Replies: 3
Views: 409

Re: After Vanguard Retirement Date Fund, What else?

Presuming your managing debt, saving enough, understand the "risk" you need to take etc. Nothing - go find a hobby and live life. Investing does not have to be complex. There are lots of things you can do to provide smaller and smaller benefits and this board spends a lot of collectve time...
by rob
Sat Jul 18, 2015 7:42 am
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 5060

Re: Recommendations for gas grill

We got a cheap (not your criteria I know) char-broil with the indirect flame thing... so flame heats a metal curved plate which is under the grill. Very pleased with it and it's as simple as they come.
by rob
Fri Jul 17, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4755

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

Do it like packing for a trip...

- Make a list
- Tear it in half
- Then pack half of what's left

Babies need VERY little.....
by rob
Thu Jul 02, 2015 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 92
Views: 10155

Re: financial adviser told me not to invest too much in 401k

So where does she want you to put it? Have her invested so she can collect AUM fees? Ding ding ding - I think we have a winner :oops: As above tax rates have gone down over recent time in the US - that says nothing about the future. IMO you should have a mix (pre-tax, post-tax and tax-pre-paid) for...
by rob
Wed Jul 01, 2015 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Yea or Nay [reasonable asset allocation]
Replies: 4
Views: 426

Re: Yea or Nay [reasonable asset allocation]

Agree looks okay but keep in mind I'm not a total market guy :happy
by rob
Mon Jun 29, 2015 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 22
Views: 3737

Re: What happens when Admiral Shares drop below $50K?

Noobvestor wrote:Not to hijack, but has anyone had trouble with their money market going below the 3K minimum?

I've had less than that for years and not a peep..... not sure if that's just luck (which I just broke :) ) or if MM funds are different.
by rob
Mon Jun 29, 2015 10:12 pm
Forum: Investing - Theory, News & General
Topic: Why not Vanguard tax managed mutual funds ?
Replies: 13
Views: 2479

Re: Why not Vanguard tax managed mutual funds ?

If an ETF changes its index, you are still locked in by the same tax issues. Developed Markets, Europe, Pacific, and Emerging Markets Indexes are changing to include small-caps, both in their mutual fund and ETF classes. Agreed but it's all about the probability of investing in a vehicle that will ...
by rob
Mon Jun 29, 2015 9:08 pm
Forum: Investing - Theory, News & General
Topic: Why not Vanguard tax managed mutual funds ?
Replies: 13
Views: 2479

Re: Why not Vanguard tax managed mutual funds ?

Because Vanguard does NOT believe in long term investing and will change these funds over time as it sees fit - as a former long-term investor in the now dead TM International (it was changed into a regular index fund). I cannot suggest strongly enough to use ETF's in taxable accounts, so your not l...
by rob
Sun Jun 28, 2015 12:50 pm
Forum: Personal Consumer Issues
Topic: MS money plus and Win 8.1
Replies: 8
Views: 716

Re: MS money plus and Win 8.1

I still run Money 2002 on win 8.1 - I don't know about money sunset.
by rob
Wed Jun 17, 2015 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Life claim denied
Replies: 40
Views: 4108

Re: Dependent Life claim denied

I spoke with relative who works in HR, she said contact my HR and get them involved. I'm really sorry for your loss and having to deal with this nonsense.... However - HR is NOT there to protect the employee, so be wary of involving them. I agree with the comments above to file a complaint if they ...
by rob
Tue Jun 16, 2015 10:26 am
Forum: Investing - Theory, News & General
Topic: Not Buying a Home Could Cost You
Replies: 36
Views: 7905

Re: Not Buying a Home Could Cost You

Grass is always greener - I wish I could go back in time and NOT buy a house. When I rented and something went wrong, I called the management company and it was solved... far cry from owning a money pit :shock:
by rob
Tue Jun 16, 2015 12:18 am
Forum: Personal Consumer Issues
Topic: Netflix Ads?
Replies: 10
Views: 1535

Re: Netflix Ads?

All the same to me...... Ads = promos = advertising = push suggestions...... I made my view pretty clear.

You can stop them right now by un-checking the "Test Participation" option in your account.
by rob
Mon Jun 15, 2015 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee (HCE)
Replies: 14
Views: 2228

Re: Highly Compensated Employee (HCE)

Yeah it's lousy... a small pay rise cut my 401k contributions to 10%.... and as you say costs far more in tax. The sad thing is that in my company, a really highly paid employee can still max out the IRS limit with 10% as there is no other cap - it's like a floating limit in the middle that goes awa...
by rob
Thu Jun 11, 2015 9:57 pm
Forum: Personal Consumer Issues
Topic: Netflix Ads?
Replies: 10
Views: 1535

Netflix Ads?

Anyone else starting to get netflix ads? They happen before the show I want to watch and seem to be limited to their other shows (you can bypass with a few clicks)..... but it's a bad direction. Curious if it's just a trial thing or more wide spread.....
by rob
Mon Jun 08, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any merchants that accept only Amex?
Replies: 25
Views: 2428

Re: Are there any merchants that accept only Amex?

There are a a lot of small business and restaurants in NYC that only accept AMEX or cash. Very odd I thought. But the only thing I can think of is maybe AMEX gives them a small business break if they only accept their card. Does anyone remember Diners Club and Carte Blanch cards? As I recall (I nev...
by rob
Sun Jun 07, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6900

Re: What Percent Of Your Annual Expenses Are Property Taxes?

The pct will fluctuate too much with expenses.... I pay @11K in local RE taxes in the NE..... It's not pretty :shock:
by rob
Fri Jun 05, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Stonehenge 4-Sale. Best Offer.
Replies: 6
Views: 1202

Re: Stonehenge 4-Sale. Best Offer.

Maybe the owner could get closer than 80 feet [without having to dress up for the couple of times a year it's actually open] :oops: ..... You used to have a better view from the road until they raised the height of the fence. It's on my list of over-hyped tourist traps - and I've been there a couple...
by rob
Fri Jun 05, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Any BH know about whole house Dehumidifier?
Replies: 25
Views: 1301

Re: Any BH know about whole house Dehumidifier?

I bought a serious one @ 2 years ago and it's made a HUGE difference. We had rock ledge everywhere and the moisture was causing a lot of issues.... put plastic over the rock, concreted some of the dirt and ran a really efficient dehumid (@110pints). Caused a bit of an uptick in electric but well wor...
by rob
Thu Jun 04, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Big Decision to Make
Replies: 58
Views: 9800

Re: Big Decision to Make

I would do it based on what you say (I almost took a contract in UAE myself a long time ago). The compounds allow for a better (not perfect) lifestyle. The extra salary could buy some extra time off out of the country. Given your saying this is a golden chance to be set for life... why not?
by rob
Wed Jun 03, 2015 2:21 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28230

Re: Free Windows 10 Upgrade, Yes or No?

But don't plan to move from a reasonably well functioning setup to an unknown entity without more clarification on some issues, and even then I may stay with Win7. I don't see any urgent reason to jump. Agree.... If your happy today I would wait... but if like me you hate where you are it might be ...
by rob
Wed Jun 03, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28230

Re: Free Windows 10 Upgrade, Yes or No?

This is a show stopper for me. How many times has MS had buggy updates that have caused people headaches? Numerous. Now the language is vague as the article mentions, so maybe it will just be forced notification, which is fine as that's how I currently run, 'check but do not download/install'. I gu...
by rob
Wed Jun 03, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Out of a job and does he have any recourse?
Replies: 6
Views: 1192

Re: Out of a job and does he have any recourse?

Depends what was in the offer but this smells like some type of clearance in which case it would have been in the offer letter. This is not uncommon in clearance scenarios. The only solution I know is not available - not resigning until the new job was firm. Agree with above... try and see if they c...
by rob
Wed Jun 03, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 4473

Re: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

For that work load..... SSD - SSD - SSD - Memory - Lots of stuff - Graphics upgrade :happy
by rob
Tue Jun 02, 2015 5:58 pm
Forum: Personal Consumer Issues
Topic: Visiting Nephews: Water Guns and Nerf Weapons
Replies: 29
Views: 3832

Re: Visiting Nephews: Water Guns and Nerf Weapons

There are some parents who do not believe that children should have "weapon" type toys. So, if you decide to get these, you might want to check with the parents to make sure they are acceptable to them. Parents who don't believe little boys should have weapons better confiscate all the st...
by rob
Mon Jun 01, 2015 10:09 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28230

Re: Free Windows 10 Upgrade, Yes or No?

I'm going to upgrade because I hate win 8 so much anything will be better - I may have my head handed to me but worth the risk for this one (and I never do first time upgrades :oops:

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