Search found 3023 matches

by Easy Rhino
Fri Feb 17, 2017 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage fees- Is this reasonable?
Replies: 10
Views: 1046

Re: Mortgage fees- Is this reasonable?

True. Third party fees don't add up. Maybe that's where the mortgage broker makes their money. They gotta earn a living somehow

Does the quote list out items you can shop fire yourself?. For instance in CA I could pick my own title company (we don't use lawyers to close here)
by Easy Rhino
Thu Feb 16, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: credit checks and mortgages
Replies: 5
Views: 362

Re: credit checks and mortgages

You'll just have to explain what the pull was for, not a big deal. It will only move your score down like 2 points. I also got dinged by a Tmobile pull while going through a HELOC application process (although I don't think the bank pulled the credit bureau that Tmobile used, because they din't ask ...
by Easy Rhino
Thu Feb 16, 2017 1:41 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4921

Re: Tesla Model 3 or Chevy Bolt?

the Bolt has a level 3 fast charger as well, just different than tesla's.
by Easy Rhino
Wed Feb 15, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3311

Re: I want to ditch the cable company's modem

i just noticed that this Asus model is on sale for the rest of the day at Amazon, the specs seems pretty good.

https://www.amazon.com/gp/product/B01M6 ... PDKIKX0DER
by Easy Rhino
Wed Feb 15, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10124

Re: Bogleheads not the norm?

we should get some Census or Gallup or Pew people to do a good survey of Bogleheads and see if we break their survey with our not-normal-ness.
by Easy Rhino
Wed Feb 15, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3311

Re: I want to ditch the cable company's modem

Yeah just check your cable company for their requirements for whatever speed you are subscribed too. Probably DOCSIS 3.0 and a certain number of channels.
by Easy Rhino
Wed Feb 15, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Advice for Baby/Infant
Replies: 15
Views: 1175

Re: Investing Advice for Baby/Infant

I created a 529 for my daughter, specifically to hold cash gifts from relatives. Which honestly aren't that much, she's only 4. Also, she has a UTMA account at the brokerage. Specifically because my dad wanted to give her a few thousand dollars to be put into stocks and didn't want it to be in an 52...
by Easy Rhino
Wed Feb 15, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 2682

Re: How & when to sell lots of a single stock with huge capital gains

And if charity doesn't work, try gifting shares to friends and relatives with lower tax brackets.
by Easy Rhino
Tue Feb 14, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Retaining Wall
Replies: 25
Views: 2130

Re: Retaining Wall

I agree you'll never see the money back in terms of increased value. Had a short wall done this summer, (a couple of feet high and about 30 feet long) not by pro's but by my father in law and a contractor buddy, and it was expensive (like 7 grand) and there's probably not adequate gravel behind and ...
by Easy Rhino
Mon Feb 13, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 4205

Re: Insane Bloodwork Cost (Quest Diagnostic)

Can't see your screenshot here on my work computer, but I Looked at my claims for last year, most expensive single blood test "list price" I had was $136. The most expensive lab visit (I think it was a blood and urine and, erm... poop... test) was $203 list value. I got network discounts f...
by Easy Rhino
Mon Feb 13, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 2396

Re: New car for wife and what to do with old car

the 18 month old is approaching the age (well maybe a year or more still) where he she/can climb into the car him/herself... as long as the car isn't too tall.
by Easy Rhino
Mon Feb 13, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Custom House - Wait for a Recession?
Replies: 10
Views: 1441

Re: Custom House - Wait for a Recession?

I think a construction recession like after the housing collapse, would reduce construction costs some, because materials costs would go down and workers would be hungrier for work.

Do you already own the land?

You'd have to be (potentially) really patient to wait for that recession, though.
by Easy Rhino
Mon Feb 13, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: The Ned Said Effect strikes again
Replies: 52
Views: 3806

Re: The Ned Said Effect strikes again

My Dad and I have joked about our, erm, "Rhino Sr and Jr" effect: once news disseminates to the markets that either of us have bought a stock, the value will immediately plummet.

This is only a one-way effect... prices never go up if we sell :)
by Easy Rhino
Mon Feb 13, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: New cars with turbo-4 engines -- good idea to buy?
Replies: 36
Views: 1635

Re: New cars with turbo-4 engines -- good idea to buy?

some might require higher octane gas.
by Easy Rhino
Fri Feb 10, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Car for Business Travel
Replies: 15
Views: 760

Re: Personal Car for Business Travel

So the drive is around what, 5 hours? How long would a flight take? (about 2 hours preflight + 1 hour flight + 1.5 hour drive = 4.5 hours?) Do you really need any frequent flyer miles or status this year? I think your car is potentially well suited towards use for this. Assuming it's mechanically re...
by Easy Rhino
Fri Feb 10, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Anyone RingtoTinging?
Replies: 10
Views: 667

Re: Anyone RingtoTinging?

I had a backup phone on ringplus.

I literally cancelled my service about an hour before getting notified of the Ting transfer.

I will probably try to move to freedompop where I can get a truly $0/ month bill, otherwise I'll leave it disconnected.
by Easy Rhino
Fri Feb 10, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier Online Deal?
Replies: 18
Views: 1483

Re: TurboTax Premier Online Deal?

If you have over $1m with assets at Fidelity, are you really going to be doing your own taxes with turbotax?
by Easy Rhino
Fri Feb 10, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Plumbing issue - advice sought
Replies: 47
Views: 3706

Re: Plumbing issue - advice sought

Did plumber B really want a 10 foot by 10 foot hole? or 10 inch? If that supply line leakk really is the the source of the leak (it's not higher up somewhere), then I think it should be fixed with reasonable alacrity (a few days). hopefully you're not going to need to tear up the ceiling, and other ...
by Easy Rhino
Fri Feb 10, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Costco - Aloha Soft Bedding/Sheets
Replies: 6
Views: 774

Re: Costco - Aloha Soft Bedding/Sheets

we have some cotton/rayon hybrid sheets I bought from "Royal hotel" ebay a while back. They were pretty cheap, like $50 after a coupon. Very smooth, very thin. Nice for the summer. fine for the winter. Not at all 'crisp' feeling like you might find from some cotton percale sheets. We like ...
by Easy Rhino
Fri Feb 10, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy phones?
Replies: 43
Views: 2616

Re: How do Bogleheads buy phones?

I look for a super deal on a site like slickdeals or something. so my current phone is an Amazon Fire Phone that was being liquidated for $125 a year or two ago. I wouldn't buy through a monthly contract unless I got a discount from the carrier. I'll admit I was spoiled by being able to get a subsid...
by Easy Rhino
Fri Feb 10, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 3763

Re: mattresses and alcohol (bourbon, scotch, whiskey)

I think any mattress will be sufficiently absorbent to sop up the alcohol.
by Easy Rhino
Thu Feb 09, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: a good time to fix your mortgage?
Replies: 17
Views: 2439

Re: a good time to fix your mortgage?

P.S. Not all mortgages are assumable. I remember on my last two refi's they were specifically NOT assumable. I wonder if it's a fannie/freddie requirement. But my folks were telling me in the early 80's when they bought a house they had to find one with an assumable mortgage, and even then I think ...
by Easy Rhino
Thu Feb 09, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Questions One Year Later
Replies: 10
Views: 1182

Re: Questions One Year Later

you may want to rephrase the post in per the asking for advice sticky. Thoughts: What are the 2nd and 3rd best options in your 401k? You could buy ibonds (including getting tax refunds paid in ibonds) If you didn't have a REIT allocation, or if it was smaller than 7%, it wouldn't be the end of the w...
by Easy Rhino
Thu Feb 09, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house addition/HELOC?
Replies: 29
Views: 1534

Re: Can I afford a house addition/HELOC?

First, to point out an obvious factoid, getting the heloc itself is fairly harmless, because you can leave it at zero balance. It's only actually taking on the debt that you gotta worry about. Try framing the question in a different way. Would you want to sell your house and buy one that costs about...
by Easy Rhino
Tue Feb 07, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Buying home - mortgage lender requires repairs - buy in cash instead?
Replies: 6
Views: 816

Re: Buying home - mortgage lender requires repairs - buy in cash instead?

Will the seller repair the shed in order to complete the sale? Can you get a smaller mortgage? If you had to liquidate your stocks to get the cash for the full amount, you'd have to sell your stocks, pay taxes on capital gains. If it's in an IRA or 401k then you're talking penalties (or taking a loa...
by Easy Rhino
Tue Feb 07, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 48
Views: 5296

Re: Cable and Internet

Cox customer here While back I canceled TV and stuck with internet only. our previous TV package was extremely basic, so only saved us $20 a month. (we signed up for Directvnow so our daughter can watch her kid shows and we get HBO) Our internet was a fairly basic 15mpbs for $60 a month. I was prepa...
by Easy Rhino
Tue Feb 07, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 220
Views: 34622

Re: Bank of America/Merrill Edge - Preferred Rewards

My preferred balances seemed to update after my checking account statement (which was around the 6th of the month)
by Easy Rhino
Mon Feb 06, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 165
Views: 12437

Re: Quicken's future direction - a cause for concern

Wow I didn't even realize Intuit had sold off Quicken.

I voted in the get satisfaction topic.

And man, this made me realize how much I miss MS Money. That was great stuff. The big problem I had was banks that stopped offering OFX downloads (I think Wells Fargo was the big one).
by Easy Rhino
Mon Feb 06, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 52
Views: 2972

Re: ringplus mobile premium plans - what is your experience?

in hindsight, I realize that ringplus didn't really have a business model at all. Just sign up a bunch of customers and hopefully sell out before the lack of revenue caught up to them. Kind of like the dot com days? I have backup phone that was on R+, i'm going to try to switch service to freedom po...
by Easy Rhino
Mon Feb 06, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine or Online
Replies: 15
Views: 1393

Re: Consumer Reports Magazine or Online

We use the online a lot, but I haven't read the magazine in about 20 years.

Online doesn't have much on the test processes or more detail on the test results besides the little color coded icons. Does the magazine have more in depth?
by Easy Rhino
Mon Feb 06, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Plumbing issue - advice sought
Replies: 47
Views: 3706

Re: Plumbing issue - advice sought

so, the leak could really be anything, either supply water or drain water, if you can shut off the water to the parts of the bathroom, you could maybe see if parts of the wet spot go away. but i'm not a plumber so I got no handy tips. Plumbers have some fancy techniques they can use to try to locate...
by Easy Rhino
Mon Feb 06, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is it better to get a mortgage from a local/small lender?
Replies: 27
Views: 2292

Re: Is it better to get a mortgage from a local/small lender?

Are you looking for something "vanilla" like a conforming fixed rate mortgage, non-jumbo, have w-2 income to qualify for it, and it will probably get sold to Fannie/Freddie? If so, the mortgage is a commodity item and I would shop for the best deal. Your real estate agent may be influenced...
by Easy Rhino
Sat Feb 04, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: How to save money on a minivan?
Replies: 44
Views: 2924

Re: How to save money on a minivan?

My insurance cost scales with the cars value. In California, the registration fee scales with the cars age.
by Easy Rhino
Thu Feb 02, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Hygrometer recommendation
Replies: 3
Views: 536

Re: Hygrometer recommendation

on ebay, when sorting by "lowest price" I found a basic plastic thermomer / hygrometer for approximately $3, including shipping from China. I didn't get the digital $2 because it seemed to be Celsius-only. And later I got a smarter thermostat that measured humidity, and they match pretty w...
by Easy Rhino
Thu Feb 02, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 5391

Re: Milestone and gotta tell someone

wow we only bought our first house when I was 38.

Congratulations!
by Easy Rhino
Wed Feb 01, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Deduction SEEMS Too good to be true - What am I MISSING!?
Replies: 37
Views: 4322

Re: Mortgage Deduction SEEMS Too good to be true - What am I MISSING!?

yep the only downside is all that money you're paying in interest and property taxes :)

But for us, buying a house vaulted us from well below the standard deduction threshold to well above it.
by Easy Rhino
Wed Feb 01, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: fender bender...no citation, likely scam...what next?
Replies: 17
Views: 2919

Re: fender bender...no citation, likely scam...what next?

did your dash cam record the accident?
by Easy Rhino
Wed Feb 01, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Account Strategy - Spouse Overlap
Replies: 20
Views: 1455

Re: IRA Account Strategy - Spouse Overlap

The relative size of the IRAs might matter. how about this: since bonds are only a small position, keep all bonds in only one account. Maybe keep all REIT in another account. Besides that, exactly mirror the stock holdings between both account. That way it's easy to know if the ratio is about right....
by Easy Rhino
Wed Feb 01, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 61
Views: 6503

Re: Best HSA (2017)

I meant I lost interest at the idea once it cost me $10 more :beer

the VTIP etf doesn't pay much dividends, and doesn't do it frequently (annual, I think), so the marginal value from reinvesting faster is pretty much zero.
by Easy Rhino
Wed Feb 01, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 61
Views: 6503

Re: Best HSA (2017)

With Saturna, I have a bond ETF. I just have dividends paid in cash, and then, when I make my annual trade, I lump them in with my rollover to make my purchase. Why not just hold VBTLX instead? Yes, $10 more to trade, but not reinvesting dividends monthly you might be losing more than that just rei...
by Easy Rhino
Tue Jan 31, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 114
Views: 29384

Re: my review of my HSA with Saturna brokerage

Thrifty Femme wrote:Can anyone comment on taking money out of a Saturna brokerage HSA?


I've never personally tried. Knock on wood, it will be a while until i need to!
by Easy Rhino
Tue Jan 31, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 61
Views: 6503

Re: Best HSA (2017)

With Saturna, I have a bond ETF. I just have dividends paid in cash, and then, when I make my annual trade, I lump them in with my rollover to make my purchase.
by Easy Rhino
Tue Jan 31, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Small stock holding at ComputerShare
Replies: 12
Views: 982

Re: Small stock holding at ComputerShare

I would inquire, if it were my plan, I think there would be a transfer fee.
by Easy Rhino
Tue Jan 31, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP at 5% discount, 6 months holding period
Replies: 18
Views: 1159

Re: ESPP at 5% discount, 6 months holding period

Is there a holding period after you get the stock?

If not, I would buy as much as my cash flow could realistically support.

Hopefully the stock is somewhat volatile so you get a better discount on it too.

My ESPP is easy, the offering period is only a month and I can sell immediately.
by Easy Rhino
Tue Jan 31, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: How to save money on a minivan?
Replies: 44
Views: 2924

How to save money on a minivan?

Howdy friends, I'm toying with getting my dream car, which would be a minivan. But they're so darn expensive. And the popular Toyotas and Hondas hold their value for an annoyingly long time. How to save money? My situation: Me, my wife, and one kid, but a second is on the way (due July). We have two...
by Easy Rhino
Mon Jan 30, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge?
Replies: 10
Views: 1363

Re: Merrill Edge?

I opened up a ME account at the end of the year. I'm all ETF now, and not much trading, and it's been fine (took two emails to get them to refund my transfer fee from wells fargo). ... but if your friend got a boatload of expensive mutual funds at EJ, i'm surprised he'd care about the 'trading platf...
by Easy Rhino
Fri Jan 27, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 61
Views: 6503

Re: Best HSA (2017)

I think SelectAccount is the best deal for HSA's now. But you can compare hundreds of HSA's on hsasearch.com SelectAccount seems interesting, first I've heard of it. Do you have it? If I understand it, once your account balance is over $10k, you can keep $1000 in cash, and then the rest in a self d...
by Easy Rhino
Fri Jan 27, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Staying with AT&T but getting unlocked phone
Replies: 8
Views: 652

Re: Staying with AT&T but getting unlocked phone

I've been unlocking some AT&T phones yesterday (we're bailing to tmobile). Anyway, if your contract is paid off, then go ahead and request an unlock of your phone right now here: https://www.att.com/deviceunlock/#/ The nexus would also be unlocked right? If you have an at&T company store aro...
by Easy Rhino
Thu Jan 26, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo - no more 100 free trades (for new accounts)?
Replies: 26
Views: 13210

Re: Wells Fargo - no more 100 free trades (for new accounts)?

Incidentally, I recently transferred some funds out of WF to Merill Edge (transfer bonus yay), and when I did NOT request a complete transfer, but just all securities (not cash), then I wasn't charged a transfer out fee. it will be interesting to see how long the accounts remain open with no balance...
by Easy Rhino
Thu Jan 26, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Switching from AT&T post paid contract to GoPhone
Replies: 11
Views: 741

Re: Switching from AT&T post paid contract to GoPhone

Careful, the "slower" speed when throttled might be really slow, typically around 256kpbs.

Go to advanced search