Search found 2958 matches

by Easy Rhino
Mon Jan 16, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Morgage Advice
Replies: 16
Views: 1561

Re: Morgage Advice

Still sounds like you're rushing it. I'd use some time renting (500 rent makes me jealous) to save up for a home down payment and let your credit score build up. Probably need to give it a year. You can get a free credit score from credit karma And 30 year mortgage are common for a good reason; it's...
by Easy Rhino
Mon Jan 16, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Saving on tax software
Replies: 3
Views: 516

Re: Saving on tax software

Taxact online is inexpensive if you're e filing Fed and state. Each year after filing I get to "reserve" the next year at a very low price
by Easy Rhino
Mon Jan 16, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 25
Views: 1677

Re: Very confused with W4 Allowances

I've given up on estimating my taxes and getting withholdings "right"... I just fudge them higher or lower depending on the size of the refund or under payment
by Easy Rhino
Mon Jan 16, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Which brokerage to sell stock awards?
Replies: 12
Views: 596

Re: Which brokerage to sell stock awards?

My espp Is run by computershare and I have three bad options

Transfer shares out with a hefty fee
Sell with a 30 commission and wire with an additional fee
Sell with commission and have a check mailed

I do the check method every month. It's fine.
by Easy Rhino
Fri Jan 13, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: I'm weary of unitized funds...is it irrational?
Replies: 21
Views: 1288

Re: I'm weary of unitized funds...is it irrational?

Ya know, I just looked at my own 401k, there was a collective trust "Core bond" fund that I had investments in. The short description was that it was to meet or beat the aggregate bond index, when when I glanced at holdings, it was actually weighted very heavily to corporates, and very hea...
by Easy Rhino
Wed Jan 11, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Home Advice
Replies: 9
Views: 564

Re: Home Advice

yeah just park it in a saving/money market. Note that it would be most best if you could keep it in the account that you plan to wire the money out of as part of the closing. Because you will probably be asked to provide bank statements as part of the loan underwriting, and more recent bank history ...
by Easy Rhino
Wed Jan 11, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 189
Views: 12055

Re: How Bad was 2008, really?

Depends on how "insulated" you were. In 2001, I was only an adult for a couple of years, while I did lose my job a bit later (03?) I didn't have much of a nest egg at that point. By 2008, I had more money saved up, and the losses were amazing, as well as the speculation on what financial i...
by Easy Rhino
Tue Jan 10, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 113
Views: 28256

Re: my review of my HSA with Saturna brokerage

it's calendar year. I trade every 13-14 months or so and don't get a fee

I don't have any investments set to reinvest so I don't have any insight on if that affects the fee.
by Easy Rhino
Mon Jan 09, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do store cards still help your credit score by adding diversity?
Replies: 9
Views: 854

Re: Do store cards still help your credit score by adding diversity?

if you have credit cards, then a store card won't really make much of a difference.

the "mix" might get a slight boost from installment loans or mortgages, though.

Even that is small.
by Easy Rhino
Mon Jan 09, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)
Replies: 51
Views: 3598

Re: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)

You'll want to test drive both.

I thought the 2.5 in my wife's Outback is peppy enough, we didn't even bother with the 3.6
by Easy Rhino
Mon Jan 09, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Car purchase: Strategy for a car driven occasionally
Replies: 34
Views: 1886

Re: Car purchase: Strategy for a car driven occasionally

driving it seldom gives it less chance to break.

I'd buy a older car that doesn't have much warranty and hope for the best.
by Easy Rhino
Thu Jan 05, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Help with Solar Panel project ROI
Replies: 28
Views: 2461

Re: Help with Solar Panel project ROI

this is an old post. you have fairly cheap electricity, but does your utility offer time of use pricing? you could then use even cheaper electricity to charge your car at night during off peak times. Otherwise, it may not be compelling. For reference, I just got a quote on a 4kwh system here in san ...
by Easy Rhino
Wed Jan 04, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 58
Views: 9693

Re: Alternatives to Quicken 2016?

Also, I have not been very successful in creating an accurate income/expense report. Many of the transfers between institutions end up being classified as either expense or income depending on the direction of the transfer. I do know how to customize the report but it seems rather labor intensive a...
by Easy Rhino
Wed Jan 04, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage recast strategy - Feedback needed
Replies: 54
Views: 4398

Re: Mortgage recast strategy - Feedback needed

I'd still look into refinancing the mortgage to see if you can get a lower rate , especially with a 15 or 20 year term. I know rates aren't at their bottom but they're still pretty low. Then you can try to refi the car if you want. And then make payments preferentially to whatever has the higher rate.
by Easy Rhino
Tue Jan 03, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: $300 CitiBank Bonus - Deadline 1/12/17
Replies: 9
Views: 1368

Re: $300 CitiBank Bonus - Deadline 1/12/17

coincidentally I had just closed my citi checking account... but the fine print says I need to stay out for 60 days before requalifying.. darn!
by Easy Rhino
Tue Jan 03, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance: Stock Is My Achilles Heal
Replies: 4
Views: 756

Re: Rebalance: Stock Is My Achilles Heal

you should probably read these two topics for the preferred format in thinking about your portfolio for asking general advice: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6211 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 As for selling the company stock, if I recall the...
by Easy Rhino
Tue Jan 03, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone looking at the GM EV2 aka Chevy Bolt (not Volt)?
Replies: 12
Views: 993

Re: Anyone looking at the GM EV2 aka Chevy Bolt (not Volt)?

I just signed a lease on a Spark EV so I'm good for three years, but it (and the model 3) are very exciting as more generally useful cars than a short range electric. The main issue is the horrible drag coefficient. ... They have had the experience for over 20 years but still they are concerned with...
by Easy Rhino
Tue Jan 03, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Roll over HSA funds to another HSA or put in Roth?
Replies: 6
Views: 652

Re: Roll over HSA funds to another HSA or put in Roth?

Okay I may not understand everything here but. I don't think you can "roll over" money from a HSA to a Roth. You'd just be making distributions from the HSA. And if you're under 65 and if they're not for medical expenses, then you're going to pay both taxes and a penalty. That seems like a...
by Easy Rhino
Tue Jan 03, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 4496

Re: Champion of 401K Lament the Revolution they Started

I was amazed to see ThTeresa Ghilarducci (who I know of only as a critic of the modern 401k system) quoted saying that in the 80's she was promoting 401ks and advising board that only 3% employee contribution rate was necessary to secure retirement.

Quite a 180 on her opinion.
by Easy Rhino
Tue Jan 03, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Luck with DirectTV Now?
Replies: 32
Views: 3652

Re: Luck with DirectTV Now?

From a little more fooling this weekend, the main gripe for me are: 1) lack of local stations. In San Diego it's just the local NBC affiliate (and that I can only do on a computer, not on Apple TV). And then ABC and FOX shows are available VOD, but not the local affiliate. CBS and other local statio...
by Easy Rhino
Sat Dec 31, 2016 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review? (my 401k got Vanguard funds)
Replies: 1
Views: 193

Portfolio review? (my 401k got Vanguard funds)

Hello! Around... gosh, 9 years ago... I found this board and started getting my portfolio in shape. It's been largely "set it and forget it" since then. Which has been useful with the market turmoil immediately during and after the financial crisis. Here's the old thread:( https://www.bogl...
by Easy Rhino
Fri Dec 30, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity loan for kitchen improvement?
Replies: 19
Views: 1239

Re: Home equity loan for kitchen improvement?

For the loan, you'll have to check on what terms are available on the home equity loan, but yeah, you can just plug in a term and an interest rate and it will tell you the payment on a simple loan like that. For kitchen remodel, I wouldn't recommend it solely for a house sale perspective, because it...
by Easy Rhino
Fri Dec 30, 2016 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: First Home Purchase
Replies: 8
Views: 512

Re: First Home Purchase

We just got our first house about 3 years ago. to be honest, I think the decision to buy a house is going to be driven more by your personal situation than by market forces. Personal situation includes family, income, savings (for a down payment), how long you think you'll stay in the same place, et...
by Easy Rhino
Wed Dec 28, 2016 3:57 pm
Forum: Personal Consumer Issues
Topic: Nissan Leaf ?
Replies: 40
Views: 3218

Re: Nissan Leaf ?

120V charging is less efficient than 240V charging. This is because the coolant pump runs during charging (fixed overhead). The longer the charging is, the more the energy is consumed by the coolant pump. I agree that 120v charging loses relatively more of it's speed due to the fixed overhead. Howe...
by Easy Rhino
Tue Dec 27, 2016 5:59 pm
Forum: Personal Consumer Issues
Topic: Luck with DirectTV Now?
Replies: 32
Views: 3652

Re: Luck with DirectTV Now?

I read somewhere that changing the fire stick to 720p resolution can result in better performance. Don't have one personally.

Just got DTVN for christmas... the quality seems a bit pixely but there wasn't stuttering on our 15mpbs cable connection... for the 10 minutes we watched it.
by Easy Rhino
Tue Dec 27, 2016 5:44 pm
Forum: Personal Consumer Issues
Topic: Nissan Leaf ?
Replies: 40
Views: 3218

Re: Nissan Leaf ?

part of the massive drop in residual is because of federal and sometimes state tax rebates are taken out of the MSRP. ($7500 fed and state rebates vary... $2500 in CA). I just got a lease on a Chevy Spark EV last month. Very similar in terms of capabilities. So there are Leafs with different ranges,...
by Easy Rhino
Tue Dec 27, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 8371

Re: How to get rid of your belly........

My trigger to lose weight is when it gets difficult to fit my rear in an economy airline seat.
by Easy Rhino
Tue Dec 27, 2016 2:29 pm
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 8116

Re: Remember what it was like before the recession?

If I recall correctly, all the 'smart money' was in real estate, emerging markets, and commodities. :oops:
by Easy Rhino
Tue Dec 27, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Any disadvantage to purchasing Vanguard ETF on Merrill Edge?
Replies: 4
Views: 503

Re: Any disadvantage to purchasing Vanguard ETF on Merrill Edge?

Merrill is going to charge you purchase fees if you buy Vanguard mutual funds.

But if your balance is high enough you can buy the Vanguard ETFs with a free commission.
by Easy Rhino
Thu Dec 22, 2016 8:40 pm
Forum: Personal Consumer Issues
Topic: WSJ $99 for 6 months -- worth it?
Replies: 62
Views: 4706

Re: WSJ $99 for 6 months -- worth it?

I always renew my subscription using airline miles.

It seems that the most recent only only included paper subscription, access to the web or app isn't included this time (and it was before) bummer.
by Easy Rhino
Thu Dec 22, 2016 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to Drop Wells Fargo for Online Banking
Replies: 48
Views: 2650

Re: Looking to Drop Wells Fargo for Online Banking

My primary checking is with Schwab, had it for years, love it. The interest rate is OK and the ATM reimbursements are liberating. I have B&M accounts with BOA and WF. Both have some investments making them essentially free. I recently had accounts with Citibank but closed them because I didn't l...
by Easy Rhino
Thu Dec 22, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Quartz versus granite
Replies: 44
Views: 3531

Re: Quartz versus granite

granite was new in our house when we moved in three years ago. It's light years beyond laminate or tile counters in our rentals. it's a dark pattern so it hides stains really well. i'm not aware of any that show, and we're pretty messy. But it does seem a little porous, and some of the edges and cor...
by Easy Rhino
Thu Dec 22, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Best time/method of buying a new car.
Replies: 34
Views: 2622

Re: Best time/method of buying a new car.

just did leases for new cars for me and my wife. If you go online and initiate contact with the dealers that way, you work with the "internet sales" people at dealerships. Which I found were generally very efficient and businesslike, and often responded with competitive offers over mail or...
by Easy Rhino
Thu Dec 15, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Stress
Replies: 38
Views: 6288

Re: Financial Stress

Hey, you're making the median US household salary while you're single with no dependents, and you're going to be vested in a pension soon. Even a modest pension can make a big diffrence in retirement. If you leave and end up working a career in the regular private sector, you'll accrue enough to get...
by Easy Rhino
Thu Dec 15, 2016 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 37
Views: 3114

Re: 4runner vs. Highlander?

Can't speak to the 4Runner but have owned three Highlanders. Probably a contrarian position with this discussion but I am transitioning our cars to electric (other vehicle is C-Max electric going to Tesla) so we currently have a Highlander Hybrid - great on trips and gas mileage. Bought it used so ...
by Easy Rhino
Wed Dec 14, 2016 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 127
Views: 8393

Re: HSA - is keeping 40 years of medical records practical?

knpstr wrote:Big advocate of using the HSA for expenses as they occur.


As much as I love the idea of saving more in taxes, this is what I do as well (my medical expenses have so far been much less than contributions so the HSA balance is still going up each year)
by Easy Rhino
Wed Dec 14, 2016 10:45 pm
Forum: Personal Consumer Issues
Topic: Fridge Water Filter Cartridges...A Scam?
Replies: 26
Views: 2617

Re: Fridge Water Filter Cartridges...A Scam?

The OEM filters seem to be a ripoff. i've used the third party ones successfully. On my samsung fridge, they last quite a long time until the light turns red. a three pack lasted for more than a year. One thing to note is that most filters are just activated carbon, and aren't made to remove anythin...
by Easy Rhino
Mon Dec 12, 2016 9:33 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 113
Views: 28256

Re: my review of my HSA with Saturna brokerage

If one were looking for a no-fee VTI or VTSAX-like mutual fund with Saturna, I found T Rowe Price's version POMIX for a quite reasonable .30% ER. https://www3.troweprice.com/fb2/fbkweb/snapshot.do?ticker=POMIX So, for me just starting my HSA next year after I retire, this would be a very good fee-f...
by Easy Rhino
Thu Dec 08, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Impact of cancelling a long-standing credit card?
Replies: 12
Views: 1381

Re: Impact of cancelling a long-standing credit card?

If it's your oldest card, it will eventually disappear from your credit report and no longer contribute to your maximum credit age. It will also no longer contribute towards increasing your average credit age. Both effects are minor, I would prefer to convert it to a free card, but would cancel it t...
by Easy Rhino
Thu Dec 08, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3150

Re: Frying pan recommendations

We have a brute of a 12" cast iron skillet my mother in law got at a swap meet I think. Had some surface rust and my wife spent a while cleaning it up. It's good for serious cooking and oven use, etc. My wife loves fried eggs and we have a smallish (8") "ceramic nonstick" pan tha...
by Easy Rhino
Wed Dec 07, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 306
Views: 28627

Re: Flaunt Your High-Mileage Car

Not really that remarkable, but I recently had to say goodbye to my 2000 Audi A4 with 151,000 miles (bought in 2001), when an accident left it not worth repairing. And I had previously broken the radio when I tried to jump start it backwards.
by Easy Rhino
Wed Dec 07, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Anyone still upgrading their PC build? (Not replacing the machine)
Replies: 41
Views: 2400

Re: Anyone still upgrading their PC build? (Not replacing the machine)

I still enjoy tinkering on our desktop PC. I used to be an avid gamer and PC builder, but now I got wife and job and kid taking all the time so I don't have nearly as much time for either. I typically go fo whatever's on a crazy cheap sale at Fry's, with all of the attendant cheap computer parts woe...
by Easy Rhino
Wed Dec 07, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Spouses and spending styles...
Replies: 53
Views: 5619

Re: Spouses and spending styles...

you know, the emergency fund treatment is interesting. Personally, I also like to keep a locked down emergency fund. And to handle the vagaries of spending, I like to keep a large balance in my spending account too, to handle the swings from non-emergency spending. Recently, extensive landscaping pl...
by Easy Rhino
Tue Dec 06, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Hidden Costs of potential new job
Replies: 9
Views: 1380

Re: Hidden Costs of potential new job

are we talking about 6 kids total? Or did I read wrong? Doesn't actually affect the analysis since you gave numbers. Numbers: The non overtime increase in salary would get eaten up by childcare expenses (this would probably drop a bit once all kids are in school). The increase in salary would also r...
by Easy Rhino
Tue Dec 06, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I'm spending more even though I'm saving more
Replies: 39
Views: 3831

Re: Feel like I'm spending more even though I'm saving more

You might want to try to save more if you want to do something quicker.

Buy a house quicker
Go on vacation quicker (or better)
Have a family quicker
Retire quicker.
by Easy Rhino
Tue Dec 06, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 6673

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

Haven't read entire thread, but are you going to be flying regular economy on a US airline?

It will be very cramped in there.
by Easy Rhino
Mon Dec 05, 2016 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Managing kids money
Replies: 30
Views: 2601

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: 53
Views: 5619

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: 5667

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...

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