Search found 3073 matches

by Easy Rhino
Thu Apr 20, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 40
Views: 3992

Re: Calling for all the Moms: career and family.

Just wanted to mention that whatever you decide to do, profession-wise, doesn't have to use your MBA degree. Do what you want to do and can be successful at. As long as you're happy with it, it doesn't matter if the MBA is a 'sunk cost'.
by Easy Rhino
Tue Apr 18, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 49
Views: 7300

Re: Are the expensive air purifiers worth the money?

Do you get congested during the day? if not, it may be limited to either your bedroom, or the act of lying down. My wife's got asthma and is pregnant, so dust and smells just do bad things. We've got a basic air filter (was like $100 from sears), it has replaceable HEPA and thin carbon filters. The ...
by Easy Rhino
Tue Apr 18, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5304

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Determine how this adviser is paid. Commissions on insurance products, commissions on trades, or a fee based on assets he might manage. This would be possibly in addition to the hourly rate you're sending him. It sounds like he'd get a commission, but that seems weird since you're already paying him...
by Easy Rhino
Mon Apr 17, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Account: Experience with Discover, AmEx, Barclays, Synchrony?
Replies: 21
Views: 1241

Re: Savings Account: Experience with Discover, AmEx, Barclays, Synchrony?

I've used discover bank, they're fine, no problem. ACH transfers are on the slow side of what's common (3 days).

Their rates are usually the top 10% or 20% of already notaable "highest yield" lists. but they're never at the top.
by Easy Rhino
Mon Apr 17, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Carrying a mortgage into retirement
Replies: 39
Views: 4404

Re: Carrying a mortgage into retirement

I'm still pretty far away from retirement, so I haven't though about it much. during working years, the primary function of a mortgage is to buy something that you can't afford now, but can pay off with future cash flow streams (namely, your job). in retirement, the future cash flow streams drop dra...
by Easy Rhino
Wed Apr 12, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 15056

Re: Tesla Model 3 or Chevy Bolt?

BrandonBogle wrote:but I still look at 6 kW as painful if I was dependent on it.


Oh man, I've got a Chevy Spark that has only a 3.3kwh charger. Not only that, but I exclusively charge it in my 120v outlet at home. You would just absolutely die :beer
by Easy Rhino
Wed Apr 12, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: Merrill Lynch advisory fees
Replies: 22
Views: 1710

Re: Merrill Lynch advisory fees

Well, mainline broker Merrill Lynch is adopting the fiduciary rules for IRAs, and so all IRA accounts will have a charge based on assets under management. Not commission any more, just the AUM wrap fee. I have no idea what that fee would be, I use Merrill Edge, and trade seldomly so I'm covered by f...
by Easy Rhino
Wed Apr 12, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: New Car Purchase: Having my cake and eating it too?
Replies: 16
Views: 2189

Re: New Car Purchase: Having my cake and eating it too?

A traditional car sales tactic is the "four square" where the dealer keeps you spinning around between options on price, interest rate, trade in, and monthly payment. And then your head spins and the salesman makes more money. I would probably just go to the dealer and say "hey, I can...
by Easy Rhino
Wed Apr 12, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Aggressive mortgage banker at Citibank - what's the point
Replies: 14
Views: 1463

Re: Aggressive mortgage banker at Citibank - what's the point

Sort of similarly, I had a mortgage banker get all fatal attraction on me when I told him I was going to go with a different lender because they had slightly better rates on a refi. I was genuinely confused why he was wasting his time berating me over the phone.
by Easy Rhino
Tue Apr 11, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k Options
Replies: 3
Views: 165

Re: New 401k Options

It sounds like you've got a good plan.

Your 401k is a tiny bit growthy on the mid cap size, and valuey on the small cap, but it's only a 1% weighting. and more important they're the only low-expense funds in your 401, so you're utilizing its strengths well.
by Easy Rhino
Tue Apr 11, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Prewiring house for tv and internet. Worth it?
Replies: 65
Views: 3807

Re: Prewiring house for tv and internet. Worth it?

We had to get an electrician to add new wiring when we got FIOS. A few years later, we changed where we wanted the TV and router. :annoyed Yeah, this. I think anything has a high risk of changing over time. the ethernet, coax, and phone lines (remember those) will gradually change. the location you...
by Easy Rhino
Mon Apr 10, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Help me decide what to do with my cars
Replies: 34
Views: 1526

Re: Help me decide what to do with my cars

I'll just chime in to say don't buy an electric because of a potential HOV lane. First, it's just talk, it may not happen. Second, if construction happens, it will probably take forever, and third, 80 mile round trip would pretty much tap out the small batteries on cars like Nissan Leafs... you'd ne...
by Easy Rhino
Fri Apr 07, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: one last stupid question [What are "cash equivalents"?]
Replies: 44
Views: 4020

Re: one last stupid question [What are "cash equivalents"?]

For some reason I thought of money laundering regulations, so you should include money orders and casino chips. :shock:
by Easy Rhino
Fri Apr 07, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 6823

Re: Secretly entered two comma club

Thanks for the emotional support everybody. For those who are interested, here's more info on why I have this secret dos comas dilemma: So, I've been trying to debug the cash flow situation in Quicken. (Note that Quicken accounts for all our income and most of our spending, but some spending is out ...
by Easy Rhino
Thu Apr 06, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Are Steam Washer Dryers worth the extra $$?
Replies: 12
Views: 694

Re: Are Steam Washer Dryers worth the extra $$?

We have a 4 year old samsung washer with a steam function.

using it doesn't honestly seem to have much different results than using hot water.
by Easy Rhino
Wed Apr 05, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 6823

Re: Secretly entered two comma club

Well, you should at least give into your wife on the kindergarten issue. Fair point. :wink: I figure we would break even cash flow wise with the private kindergarten for our 5 year old (it's not that much more than our current preschool). However, the wrench in the plans is that we're expecting ano...
by Easy Rhino
Wed Apr 05, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 6823

Secretly entered two comma club

Well, this is weird timing. for background, cash flow has been tight for the last year or so (home + home repairs + expensive daycare), and I've been arguing with my wife about whether to send our daughter to a expensive private kindergarten or the free mediocre public one. Just two nights ago, i wa...
by Easy Rhino
Wed Apr 05, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Finally 'Asking Portfolio Questions' - Not Feeling Good
Replies: 35
Views: 3662

Re: Finally 'Asking Portfolio Questions' - Not Feeling Good

I think in general you're doing pretty well, and there's not a lot to feel bad about. By any sort of averages, you have a high net worth and you're maxing your retirement accounts next year. You have $25k sitting in a zero percent account. If you put it somewhere like a high yield savings, you'll ma...
by Easy Rhino
Wed Apr 05, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Financing a remodel
Replies: 13
Views: 601

Re: Financing a remodel

Yes, the HELOC is an obvious choice to use to finance it. I wouldn't think you'd get a better rate from a home improvement loan. Also, your HELOC may have a provision where you can increase the line if the home value goes up. How's your cash flow right now? if you're still accumulating savings somew...
by Easy Rhino
Tue Apr 04, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Economics of Charging an Electric Car
Replies: 85
Views: 5701

Re: Economics of Charging an Electric Car

A small solar install to keep you from hitting tier 2 rates will almost certainly have a payback of less than 10 years in your area. One large enough to offset nearly all your usage will probably payback in not much longer than 10 year. I would definitely look into this seriously if I were you. Hig...
by Easy Rhino
Tue Apr 04, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: New home expenses versus a high (overly-high?) savings & investment rate
Replies: 18
Views: 2012

Re: New home expenses versus a high (overly-high?) savings & investment rate

haven't had a chance to read all responses, but we bought an old house a few years ago and I sympathize. The "too much" question also depends on how much you already have saved up, not just your savings rate. your savings rate is high. If it's been high for a long time, you might have quit...
by Easy Rhino
Tue Apr 04, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for less than the value of the home
Replies: 17
Views: 2241

Re: Mortgage for less than the value of the home

I'm a mortgage banker. You can borrow as little as you want against a home. In fact a Loan to Value ratio of 70% or less makes your loan a very low risk for a bank, so it can qualify you for better rates, just like a high credit score can. I've seen clients borrow only 20% of a home's value because...
by Easy Rhino
Tue Apr 04, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Alliant savings now 1.05%
Replies: 8
Views: 1490

Re: Alliant savings now 1.05%

i just opened up an account at Alliant, I'm guessing that when they change rates, they do it at the beginning of the month?
by Easy Rhino
Tue Apr 04, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Union Places Me in Crosshairs
Replies: 17
Views: 1898

Re: Credit Union Places Me in Crosshairs

the CU mailing you paper that had important numbers on it (account numbers, SSNs), isn't that absurd of a practice. you get account numbers in the mail all the time. They're called bank statements. if you order a credit report by mail, you get a TON of information (Mine was 17 pages, yikes). The CU ...
by Easy Rhino
Tue Apr 04, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Economics of Charging an Electric Car
Replies: 85
Views: 5701

Re: Economics of Charging an Electric Car

California electricity experience. Here in san diego tier 2 gets up to 30 cents or more per kwh. It's got me looking at solar for my house because of my Spark EV. The "Mpge" stickers you see on card assume the national average electricity rate (around 12 cents), so it doesn't work out too ...
by Easy Rhino
Thu Mar 30, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: Cars - possible recession indicator?
Replies: 21
Views: 3319

Re: Cars - possible recession indicator?

I think I read that there was becoming a bit of a glut of used cars though... especially vehicles coming off fleets and leases.

Contrast with a few years ago when there was practically a shortage of used cars.
by Easy Rhino
Tue Mar 28, 2017 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 40
Views: 4740

Re: Daugther's Credit Card Windfall

I gotta confess, I'd be tempted to look at it as a "bank error in my favor" and see how long it takes Discover to catch it. I guess i'm not as forthright as many other bogleheads. :shock: I would probably put the card in the sock drawer and not use it at all for about 6 months. Failing tha...
by Easy Rhino
Tue Mar 28, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 12083

Re: Do you have enough? How I realized yeah I do.

The realization that I was so much more than just ok was a little unsettling. A few days later I stopped at the grocery store for a few items. The cereal I wanted wasn't on sale, so I was going to wait. Then I told myself "Buy the dang cereal!" My Dad was telling me he hit this threshold ...
by Easy Rhino
Tue Mar 28, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity issued 1042-S Instead of 1099R. They Refuse to Change it
Replies: 22
Views: 2153

Re: Fidelity issued 1042-S Instead of 1099R. They Refuse to Change it

Yeah, since 1042-s forms are for non resident aliens, and you are not an alien (because you're a US Citizen), then Fidelity is being dumb.

You could always close your account and open one elsewhere, where they will hopefully report correctly.
by Easy Rhino
Fri Mar 24, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Capital One 360 Money Market account for use as checking account?
Replies: 13
Views: 854

Re: Thoughts on Capital One 360 Money Market account for use as checking account?

That's weird, because 5 transactions is less than 6. But also... can you write a check with the money market? It's old fashioned but occasinally necessary. Assuming Capital One has language saying that transactions should be limited, then I just wouldn't use it as a transaction account. Not worth th...
by Easy Rhino
Mon Mar 20, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18156

Re: gratuitous homeownership items

we've only been in our house for over 3 years. We didn't think we'd use the fireplace... and we haven't. although some bees tried to start a hive in there one time, which required a bee removal company. A downstairs, large finished "bonus room" hasn't been used effectively. Our daughter's ...
by Easy Rhino
Mon Mar 20, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP
Replies: 16
Views: 870

Re: ESPP

There are cons, but they're surmountable: *Having part of your paycheck tied up for a quarter before you can sell *The stock risk in the five day sbefore it's credited *The additional stock risk fromthree days before that crediting settles where you might not be able to sell. *You'll have to pay inc...
by Easy Rhino
Mon Mar 20, 2017 8:48 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 132
Views: 32304

Re: my review of my HSA with Saturna brokerage

A sell would count as a normal commission transaction, yes. (if you wanted to transfer out cash instead of transfer the security)
by Easy Rhino
Fri Mar 17, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 3983

Re: Help with rebuttal to a Facebook post

Based only off the title of the OP, my advice would be "if you need help rebutting a facebook post, maybe you shouldn't bother rebutting facebook posts in general". But beyond that, it is kind of an interesting question if investing conditions were different in the 70's and 80's in a way t...
by Easy Rhino
Thu Mar 16, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: HSA vs 401k vs other - low tax bracket
Replies: 12
Views: 862

Re: HSA vs 401k vs other - low tax bracket

I agree the Roth IRA might be a good idea if there's a reasonable chance their tax bracket will go up. However, then the HSA might be better on a pure tax basis, because it will also skip FICA taxes and will be tax free upon withdrawal as long as it's used for medical expenses, so reaping the most t...
by Easy Rhino
Thu Mar 16, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Does new job affect pre-qualifying for mortgage?
Replies: 18
Views: 1103

Re: Does new job affect pre-qualifying for mortgage?

lenders will typically request most recent two months' of pay stubs and most recent two years of taxes and W-2s.

As long as the job change doesn't disrupt any of that paperwork chain, she's probably fine.
by Easy Rhino
Wed Mar 15, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Only have $1500 - ETF?
Replies: 11
Views: 845

Re: Only have $1500 - ETF?

so you're rolling over to a IRA, and you plan on continuing contributions to it? i'd focus on something that doesn't charge you a fee each time you make a contribution. so not an ETF. A mutual fund would work better for that. Or even just keep it in cash, if you contribute fast enough, it won't be t...
by Easy Rhino
Wed Mar 15, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: HSA: To invest or not to invest (no low priced funds available)
Replies: 7
Views: 607

Re: HSA: To invest or not to invest (no low priced funds available)

if you have 'enough' in your HSA to cover what you want to spend on immediate medical expenses, you can rollover every 12 months, even while it's active. I personally define 'enough' as approximately equal to the one year out of pocket max on my hdhp. The rest I roll out each year. https://www.bogle...
by Easy Rhino
Wed Mar 15, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)
Replies: 25
Views: 1394

Re: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)

I test drove fusion and c-max energi's last year, I liked them well enough, if the price was right. But they were just a little too expensive. However, I got a Chevy Spark EV (similar to Leaf) because it was just so much cheaper due to clearance incentives And adequate for use as a second car (35 or...
by Easy Rhino
Sun Mar 12, 2017 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Home Downpayment Account Type
Replies: 4
Views: 400

Re: Home Downpayment Account Type

paying commissions every month, even only $5, seems like a not great idea too. When it comes time to actually pay for the house, you're probably going to be wiring the funds, and you're going to need to trace back the source of funds for 2 or 3 months. So when you get closer to purchase, it's simple...
by Easy Rhino
Fri Mar 10, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Which car value used by insurance to pay for a totaled car?
Replies: 6
Views: 381

Re: Which car value used by insurance to pay for a totaled car?

the insurance company's valuation is a different model than KBB or NADA.

My old 2000 Audi was in a collision, and they (esurance) offered more than I could have sold it for in a private sale, and probably a skosh more than I could have bought from a dealer.
by Easy Rhino
Fri Mar 10, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: CA: Car Won't Pass Smog Check
Replies: 8
Views: 802

Re: CA: Car Won't Pass Smog Check

I agree you'll probably want a more in depth troubleshoot from a good mechanic.

There are some income qualified repair or retirement assistance programs:

https://smogcheck.ca.gov/Consumer/Consu ... index.html
by Easy Rhino
Fri Mar 10, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Credit union safety
Replies: 16
Views: 1158

Re: Credit union safety

I would look for (and independently verify) NCUA federal insurance backing, as well as rates applicable to my situation, services and quality/convenience. I don't have enough of an opinion on whether they're nonsense, but they just don't matter to my situations. So I agree with the net advice, stay...
by Easy Rhino
Fri Mar 10, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Worth Raising Car Insurance Deductible?
Replies: 26
Views: 1620

Re: Worth Raising Car Insurance Deductible?

Emotionally, I wouldn't want a deductible over $500 because I would grumble too much when paying $1k.

However, I was all about dropping collision/comprehensive entirely when my car was worth under $5k.

There may be a disconnect in there, but I don't mind. :annoyed
by Easy Rhino
Mon Mar 06, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1205

Re: Selecting health insurance during pregnancy

So, you changing from employer Kaiser to marketplace Kaiser, is that it? When does the employer insurance end? And of course, remember, that you won't have to put the baby on the insurance until it's born. I think it gets 30 days coverage under the mom's health insurance. As mentioned, bear in mind ...
by Easy Rhino
Mon Mar 06, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: "Purchasing" someone's auto lease, short term
Replies: 5
Views: 472

Re: "Purchasing" someone's auto lease, short term

you know I wonder if you could buy out the remaining year of a lease through leasetrader or similar.

Also, some new cars will offer leases as short as 24 months.
by Easy Rhino
Mon Mar 06, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3465

Re: Where do you order checks from?

i can get for free from schwab.

but last time I needed to pay, a few years ago, I literally used a coupon on the back of the pennysaver mailer. it was cheaper than walmart or costco or anything.
by Easy Rhino
Thu Mar 02, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Confused by 1099-R with code(s) PJ
Replies: 5
Views: 510

Re: Confused by 1099-R with code(s) PJ

It is curious then. I wonder how much tax TurboTax is calculating on a 10% penalty on $0.00?
by Easy Rhino
Thu Mar 02, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Confused by 1099-R with code(s) PJ
Replies: 5
Views: 510

Re: Confused by 1099-R with code(s) PJ

skimming this: https://www.irs.gov/instructions/i1099r/ar01.html#d0e1618 So it looks like you made excess contributions in 2015, they were returned in 2016. you probably owe a penalty on any earnings from that excess, and that would be on yoru 2015 taxes. How do you know there weren't any earnings? ...

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