Search found 2911 matches

by Easy Rhino
Mon Dec 05, 2016 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Managing kids money
Replies: 18
Views: 1220

Re: Managing kids money

Me and my Dad see fairly eye to eye on finances. He wants to trust a little bit of money to my daughter. He offered to contribute some cash to create an UTMA, if I'd set it up with myself as the custodian. I said "fine, but once that happens I'm in charge of it?", and he was cool with it. ...
by Easy Rhino
Mon Dec 05, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Spouses and spending styles...
Replies: 28
Views: 2108

Re: Spouses and spending styles...

Ollie, you're not alone :) My wife likes to spend more while I like to save more. We both agree on - in general - large expenses that we'd like to be able to do; landscaping, nice vacation, solar panels, second baby... but I can't get my her to pick one so we can work to saving up for it. Then again...
by Easy Rhino
Mon Nov 21, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: Corvette to Hybrid
Replies: 55
Views: 4706

Re: Corvette to Hybrid

That commute is going to be hard on your car. Any expensive car is going to get depreciated quickly. I recommend a beater with good gas mileage. Almost definitely one that's already used. Don't get a short range electric like a Leaf... the max range is nearly your commute, that's cutting it too shor...
by Easy Rhino
Mon Nov 21, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: Worth repairing car after accident?
Replies: 16
Views: 1410

Re: Worth repairing car after accident?

it seems fine to me that no police report was filed. Geico will call you back after they do an estimate. If the estimate is less than their threshold for totalling, they'll offer to fix the car. Ask then what that dollar amount is. They would probably just cut you a check if you preferred. Just a mo...
by Easy Rhino
Mon Nov 21, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: Why does it take days for return credits back to credit cards?
Replies: 4
Views: 543

Re: Why does it take days for return credits back to credit cards?

partly a limitation of the credit card processing networks (I'm talking visa/mastercard/amex/discover) when you make a purchase, there's an "authorization" which is nearly real time. this reduces your available credit. However, the actual funds don't settle for a few days, that's when the ...
by Easy Rhino
Mon Nov 21, 2016 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Double Check Figures: Affording $1M Home
Replies: 81
Views: 6504

Re: Double Check Figures: Affording $1M Home

Just jumping in with two quick nuggets If you're frugal, the bank will probably approve a much bigger loan that you'd be comfortable with. If you're thinking of not having kids for 5 years, but buying a house for those kids , then I would hold off. Your situation may change. For instance, my wife an...
by Easy Rhino
Wed Nov 16, 2016 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Should I go for a 457b or 403b?
Replies: 10
Views: 662

Re: Should I go for a 457b or 403b?

Are you sure that more fees aren't charged on either the 403b or 457?

If so, then the fees and investment options are very similar. Might go with the 457 just for the increased flexibility.
by Easy Rhino
Wed Nov 16, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Spouses with no interest in investing]
Replies: 62
Views: 5826

Re: spouses that careless about investing

My wife gets so boooored when it comes time to talk money. I can prattle on for about 10 minutes, and that's about all I have before I lose her.

We work around it pretty well, though.
by Easy Rhino
Wed Nov 09, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Cash for House vs. Taking Large Lender Credits then Paying Off House
Replies: 13
Views: 1430

Re: Paying Cash for House vs. Taking Large Lender Credits then Paying Off House

For a refi, you can practically get a sliding scale of lender credit/poitns and rates and pick whatever you want, including explicitly cash out refi's. on a mortgage used to purchase a house, I wonder if lenders are going to limit the size of the credit they will offer? for instance, the credit can'...
by Easy Rhino
Wed Nov 09, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance or Not?
Replies: 22
Views: 1904

Re: Refinance or Not?

I'm assuming you're mostly guaranteed to be in the house at least 17 months? In which case it's definitely a good enough deal. I just refi'd a few months ago. found the lender through mtgprofessor.com. Mine wasn't a jumbo though. But I was able to find a mortgage that was still a slightly lower rate...
by Easy Rhino
Fri Nov 04, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: New Dentist - Lots of Recommended Work
Replies: 55
Views: 4752

Re: New Dentist - Lots of Recommended Work

yeah I recently had that happen with 10 fillings when I went to a new dentist.

To be honest, because the dental insurance was excellent and covered nearly all of it, I just shrugged and did it.

if I get another recommendation for 10 fillings, I'm walking out though.
by Easy Rhino
Fri Nov 04, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: Buying an Audi A4
Replies: 73
Views: 4753

Re: Buying an Audi A4

Only after the warranty has expired and you pay for the repairs do you understand the horrors or owning an Audi. I'm getting ready to retire my A4. It's a 2000. I got it in 2001. Early in it's life I had a blown speaker and a dead instrument cluster, which got replaced under the CPO warranty. And w...
by Easy Rhino
Wed Nov 02, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage loans and multi-sourcing
Replies: 2
Views: 173

Re: Mortgage loans and multi-sourcing

A year and a half ago, when I refi'd, I had two apps out to two different sources. I got through the application process with both, including submitted docs to satisfy underwriting, and got to the point of having the application 'accepted' from both, in hand. And then I picked the slightly better of...
by Easy Rhino
Tue Nov 01, 2016 5:08 am
Forum: Personal Finance (Not Investing)
Topic: Too Many CC's? [Credit Cards]
Replies: 35
Views: 3694

Re: Too Many CC's? [Credit Cards]

I didn't go through all the responses, but from personal anecdote, I have a ton of credit cards, like 20+, and they've been open for a few years, and my credit score is around 800 (just had to refi a mortgage). so a lot of credit lines, by itself, does not hurt your score. (but my score dropped a lo...
by Easy Rhino
Wed Oct 26, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: 403b fees-what is reasonable?
Replies: 19
Views: 1559

Re: 403b fees-what is reasonable?

My wife's 403b organizer (San diego Fringe Benefits Consortium, FBC), just switched their default 403b provider to a company called Empower. Annual wrap fees are about 0.18% and there are low cost funds available, including Vanguard funds. I was surprised to see items that low.
by Easy Rhino
Tue Oct 25, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Free old BMW worth it?
Replies: 59
Views: 7402

Re: Free old BMW worth it?

I have a 2000 Audi A4. Repairs/maintenance (they sort of start to run together at this phase) is expensive, over $1k a year not counting things like oil and tires. The clutch is going to need to be replaced for the second time (150k miles now) and that was extremely expensive last time (over 1k by i...
by Easy Rhino
Thu Oct 20, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 62
Views: 7909

Re: Charles Schwab Checking + Brokerage Account

Does it still take 3-4 days for funds from an external bank to clear in their system? That's really the only issue I have. To avoid that, I just keep the account stocked with a certain amount at all times and refill it when I get back home. Never had a problem doing it that way. Yep, if you use the...
by Easy Rhino
Tue Oct 11, 2016 5:19 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 85
Views: 25225

Re: my review of my HSA with Saturna brokerage

$10 surcharge and $14.95 fee for VTSAX. Can anyone confirm if Fidelity low cost index funds such as Fidelity Total Market Index Fund (FSTVX) are available through Saturna/Pershing in their HSA without the $10 surcharge? If so, would it not make more sense to use that fund vs VTSAX? If one was inves...
by Easy Rhino
Tue Oct 11, 2016 8:46 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 85
Views: 25225

Re: my review of my HSA with Saturna brokerage

I was wondering if anyone has had experience with doing a partial transfer from Health Equity HSA to Saturna brokerage HSA. Any costs, delays, hassles or difficult paperwork, or was the transfer basically just fine. (I'd also be interested in hearing about either half - transferring out of Health E...
by Easy Rhino
Fri Sep 23, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: A Re-Financing No-Brainer, right???
Replies: 12
Views: 1534

Re: A Re-Financing No-Brainer, right???

you're looking at between 2 and 3 thousand in fees (upfront escrow doesn't really count). if you're going to pay off the mortgage soon it may not be worth it. But if you're going to pay it off in a short term, it would almost definitely be worth getting a lower rate if there were little or no fees. ...
by Easy Rhino
Mon Jul 25, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: HSA in CA (things to consider?)
Replies: 13
Views: 1372

Re: HSA in CA (things to consider?)

If your default HSA investment options are bad then I sort of laid out how I handle annual rollovers in my saturna review

viewtopic.php?t=135513
by Easy Rhino
Mon Jul 25, 2016 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: HSA in CA (things to consider?)
Replies: 13
Views: 1372

Re: HSA in CA (things to consider?)

You're right, you're not going to get a 1099 form from the custodian. Have to rely on year end statements and also personal record keeping. When you file you're CA taxes, the HSA is a common 'adjustment' to the federal form that your tax software will guide you through. My HSA is invested in treasur...
by Easy Rhino
Tue Jul 19, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Another Too-Much-House Thread....
Replies: 72
Views: 7165

Re: Another Too-Much-House Thread....

well, you already live in a 3000 sq ft house.

I think you're the best judge on if a 40% larger house would be overkill or not!
by Easy Rhino
Mon Apr 18, 2016 5:47 pm
Forum: Investing - Theory, News & General
Topic: What does a 20+ year old portfolio look like?
Replies: 7
Views: 1342

Re: What does a 20+ year old portfolio look like?

I was gifted a few shares of Nike stock in the 90's, still have it. Unfortunately, there was a dozen year period where I had dividend reinvestment turned on. I don't any more. That's the main lesson for me, I don't reinvest any dividends in my taxable accounts. That old stock, plus some ETF's that I...
by Easy Rhino
Mon Apr 18, 2016 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 5742

Re: How Did You File Your Income Taxes for 2015?

just finished on friday with taxact online. had seen a deal where it was only $10 bucks.

However, hours after efiling I found a receipt for Goodwill in a bag that I had missed . But I didn't want to file a correction to deduct a hundred bucks. :(
by Easy Rhino
Mon Apr 18, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: Laptop - Touch Screen?
Replies: 22
Views: 1816

Re: Laptop - Touch Screen?

It's not my primary machine, but at home I have a cheap laptop with a cheap touchscreen. I don't really use it much, but it isn't hurting anything.
by Easy Rhino
Wed Aug 12, 2015 10:27 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 85
Views: 25225

Re: my review of my HSA with Saturna brokerage

I checked with Saturna customer service and they don't offer the ability for your payroll or wherever to "direct deposit" into your brokerage account. The closest thing would be to set up automatic withdrawals from your checking account.
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: 1373

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: 8091

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: 7989

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: 445
Views: 53742

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: 85
Views: 25225

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: 3310

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: 851

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: 21
Views: 2295

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: 4962

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: 4962

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: 4459

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: 1132

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: 3254

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: 2884

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: 13830

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: 4272

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: 5110

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: 4404

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: 85
Views: 25225

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: 722

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: 124
Views: 17794

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: 85
Views: 25225

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: 85
Views: 25225

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...

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