Search found 3119 matches

by Easy Rhino
Mon May 22, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 1032

Re: ebates experiences - what downsides?

i use the site cashbackholic to get a comparison before I shop.

i'd say most often I use topcashback, discover, and upromise. But i've used others too.
by Easy Rhino
Mon May 22, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 30
Views: 2215

Re: Need new Router/Wifi Networking Ideas

A thought.

If your network dead zones are maybe one or two specific spots, then maybe airport express to expand what you got.

But if there's multiples or lots of areas that aren't covered, then maybe replace with mesh.
by Easy Rhino
Mon May 22, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12144

Re: For those with $500k-$1m in investments...

Around 20 or 30% taxable. About half of that was actually gifts from my Dad that he wanted me to invest and specifically not put in an IRA, etc.
by Easy Rhino
Mon May 22, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: NY vs Utah 529?? Can't decide!
Replies: 12
Views: 978

Re: NY vs Utah 529?? Can't decide!

5 years ago I picked NY, because it had super low expenses and I liked the "glideslope" of the moderate allocation as my kid aged.

I don't think Utah even had the DFA funds yet at that time.
by Easy Rhino
Fri May 19, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help - Sleep Deprived New Dad Rebalancing
Replies: 9
Views: 812

Re: Help - Sleep Deprived New Dad Rebalancing

oh man, babies that won't sleep are the worst. :beer At least you managed to write up this post successfully! I would only sell in the taxable account if there's little or no capital gains from it. Yes to VTSNX in the 401k. It's fine. Have you considered refi your mortgage? I glanced at the mtg prof...
by Easy Rhino
Fri May 19, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 29
Views: 3573

Re: IRS says I owe..I don't

is this coming from an audit office in austin (not sure if the IRS has others)? I helped my in laws with a snafu a year or two ago, and be ready for really long delay times. They sent a response in 60 or 90 days, saying that they hadn't yet reviewed it. So it took months for the real response. And t...
by Easy Rhino
Fri May 19, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 25
Views: 3027

Re: Opticians: is there any difference in quality of Costco glasses?

I have a big head, and I must have weird eyes. I need help from a good optician. A couple of times I've tried the online glasses and they've hurt my eyes terribly when I've worn them. And also looked dumb when I tried them on. So getting the right frame selected and fitted for my head is important. ...
by Easy Rhino
Thu May 18, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Air circulation issues
Replies: 11
Views: 714

Re: Air circulation issues

4) Add simple vents from BRs to hallway (that in turn opens pretty broadly to the main part of the house). Simple solution, but might be aesthetically unattractive, and would potentially be a conduit for noise. having vents added to the bottom of the doors, or just having the bottom shaved so there...
by Easy Rhino
Tue May 16, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 6667

Re: Anyone else agree with my logic on silicon valley housing?

if you're going to be leaving in a year, you should rent, not buy.
by Easy Rhino
Mon May 15, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: how do you invest your HSA
Replies: 39
Views: 3088

Re: how do you invest your HSA

TIPS ETF at Saturna.
by Easy Rhino
Mon May 15, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 5099

Re: Avoiding shafting my local merchants with card fees

Was having a fairly large project (over $10k) done by a contractor. he mentioned he could take credit cards, but also that he paid a decent fee surcharge on it. I asked him instead if he wanted to just give a 2% discount on the bill (which is what I would have gotten in rewards), and he was happy to...
by Easy Rhino
Mon May 15, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Wife going back to work! Where to invest this extra income?
Replies: 7
Views: 1301

Re: Wife going back to work! Where to invest this extra income?

where to spend the extra money when both are working full time?

house cleaner, dog walker, spa days :)
by Easy Rhino
Mon May 15, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Funny Letter [Canceling Escrow Account]
Replies: 34
Views: 3945

Re: Funny Letter [Canceling Escrow Account]

FWIW, self escrow is wonderful. Especially when it's in an Ally 1.05% savings account. Some escrow accounts pay 2% interest, nearly double Ally's rate. Geez, don't be shy and share some. I self escrow for property tax, home insurance, car insurance and EFTPS Quarterly IRS payments. Where can I get ...
by Easy Rhino
Mon May 15, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 2962

Re: Costco Kirkland Signature Cookware vs Calphalon?

incidentally, consumer reports rated the costco stainless cookware highly, but they didn't review their nonstick.
by Easy Rhino
Mon May 15, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 2962

Re: Costco Kirkland Signature Cookware vs Calphalon?

our nonsticks wear our their nonstickiness pretty quickly, so we just buy whatever's cheap. we also use only three nonstick items. a small pan for eggs (gets used a lot), the stove's specific griddle for pancakes, and a large 12' nonstick saute pan used for, well, sauteeing stuff. I got a Tramontina...
by Easy Rhino
Fri May 12, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: What are the benefits of turning-off dividend reinvestment (and capital gains too)?
Replies: 15
Views: 1869

Re: What are the benefits of turning-off dividend reinvestment (and capital gains too)?

Eventually, I'm going to sell, and i'm going to need to make sure the tax lots are accurate. And I want to keep that mess as simple as possible.

In a tax deferred account, I don't really care. reinvest away!
by Easy Rhino
Thu May 11, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 890

Re: Do we need a separate water filtration system?

wait, how does it waste 2 gallons of water for each filtered? is it the filter or the softener that does it.

Our city has somewhat hard water, but it's not really a problem except for getting white junk on the shower head.
by Easy Rhino
Thu May 11, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 7699

Re: Tesla Solar Roof

How do they assume savings using a powerwall? I can think of only two ways: 1) you're on a time of use plan with your utility and can do "peak shaving" to charge at low rates and drain at high rates. 2) you're on some sort of unfavorable net metering situation where excess production durin...
by Easy Rhino
Thu May 11, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 38
Views: 2483

Re: Does a new car purchase make sense?

look up the nhtsa on your old car. Is the long commute spent driving solo or together? A subcompact, or a very efficient car in general, might be a good way to go for such a commute especially if solo. The miles are going to to depreciate the heck out of a new car. (alternate theory, you spend a lon...
by Easy Rhino
Thu May 11, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Objectively critique an AXA recommended portfolio.
Replies: 16
Views: 774

Re: Objectively critique an AXA recommended portfolio.

Is your 6% return assumption nominal return or real return? either is fine with me, it just wasn't clear. you may want to assume 2% inflation just to be more in tune with the last 10 years. if the rep has mentioned tax-deferred as a feature of the annuity, then make sure to debunk that in a 403b. I ...
by Easy Rhino
Wed May 10, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Solar City Sales-pitch
Replies: 50
Views: 7927

Re: Solar City Sales-pitch

I live in south california How do I decide between Solar City vs Sun Run (Costco), given both do price matches ? I have a 30 yrs old roof and both said my roof is ok (after inspection), but still concerned on my rook leaks after solar Is it good idea to Re-Roof prior to Solar, given I have 30 yrs o...
by Easy Rhino
Wed May 10, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Ascensus Trust?
Replies: 3
Views: 349

Re: Ascensus Trust?

Incidentally, i didn't realize Ascensus had acquired upromise, wow... that means my daughter's 529 is administered by them.
by Easy Rhino
Wed May 10, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Renting correct size car
Replies: 31
Views: 2156

Re: Renting correct size car

i'm gonna also say at least a "full size" car. Camry's are kind of intermediate between, well, intermediate and full-size. The prototypical rentals for this are the Chevy Impala and ford Taurus. A 200 is a small car. More like a corolla I believe. Also you may have a lot of bags so you'll ...
by Easy Rhino
Wed May 10, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 23
Views: 3551

Re: Beware Citibank Bonus Promotion

I also signed up for that same bonus. My 90 days isn't over yet, although I had read that the bonus may be delayed. I was able to sign up for estatements on account opening, I believe.

So i'm interested how this turns out for you because you may be a couple of months ahead of me.
by Easy Rhino
Tue May 09, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Preferred Rewards vs. Wealth Management
Replies: 26
Views: 2613

Re: Bank of America Preferred Rewards vs. Wealth Management

Hmm yeah I just realized that my aggregate balances are over $300k, and I'm regular platinum honors, no peep of wealth management.
by Easy Rhino
Mon May 08, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Preferred Rewards vs. Wealth Management
Replies: 26
Views: 2613

Re: Bank of America Preferred Rewards vs. Wealth Management

That seems weird. I'm not even sure how ML wealth management works. Do you have a Merrill Edge account or a full advisor account? Did your balances recently cross over a big threshold (like $1 million)?
by Easy Rhino
Mon May 08, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7210

Re: Stay home with kids?

If it hasn't been asked, how easily would you be able to get back into your chosen career?

That's a factor. Once the kids are out of the house (or at least tired of you as a parent) you're going to need to do something with your time.
by Easy Rhino
Mon May 08, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Used Car Leasing (Conceptually and in Reality)
Replies: 13
Views: 1082

Re: Used Car Leasing (Conceptually and in Reality)

I was able to get a super cheap lease, inspired by the leasehackr message board, on a discontinued spark EV car, total cost over 3 years will be $2000... That's cheaper than I could buy a car for, so it was a win. it helps if you're pretty indiscriminate about the model you're looking for. I think t...
by Easy Rhino
Fri May 05, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 16983

Re: Buying a luxury car (how dumb would it be to do this?)

I think you can afford it, but I'd look into going used to avoid some depreciation. But moreso, I'm trying to figure out if this is the right type of car to get. You've got 6 people in the family. You already have a minivan as the primary hauler, and the Rav4 (seats 5, right?). how's that working ou...
by Easy Rhino
Fri May 05, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 72
Views: 11617

Re: Laundry lifestyle creep

Our costco sells a boulder line of eco detergent. I like it because it's cheap per load (very concentrated) and doesn't have any fragrances or anything to set off any sensitive skin in the family. What I don't like is that my 4 year olds preschool clothes get sort of permanently stain grimed. Admitt...
by Easy Rhino
Wed May 03, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Time to upgrade bed/bath linens
Replies: 23
Views: 1985

Re: Time to upgrade bed/bath linens

crisp? So you'll want percale, not sateen. And cotton, not rayon.

Consumer reports like over a year ago when they had a review, liked ll bean the most. Land's end was pretty highly ranked too.
by Easy Rhino
Wed May 03, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: how to repair horrible credit?
Replies: 14
Views: 1269

Re: how to repair horrible credit?

I'd also vote creditboards, it specializes in this. Some of the members can be a little crazy, but then i would if most of the topic was credit repair. and then, hey, Bogleheads are crazy too :) if the accounts were opened without her knowledge, there may be ways to get them removed from her credit ...
by Easy Rhino
Wed May 03, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Roomba or competitor?
Replies: 16
Views: 1995

Re: Roomba or competitor?

beach house? The sand might be too heavy for vacs to pick up. We recently got a samsung powerbot. There are a million different models, we got the "wifi essential" which goes for around $500. there are more powerful models that go over $1000 in price, the main differences up from there are...
by Easy Rhino
Wed May 03, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Buy more AMD [should I?]
Replies: 9
Views: 1144

Re: Buy more AMD [should I?]

How big is your AMD holdings compared to the rest of your investments? I wouldn't let it get too high. Personally, 10%. Although even boring mainstream financial advisors will sound the alarm over 20%.
by Easy Rhino
Wed May 03, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put gift money that child is receiving each year?
Replies: 16
Views: 1335

Re: Where to put gift money that child is receiving each year?

Relatives have given relatively small amounts (totaling under $1k) to my daughter. I opened a 529 for her because it was easy and because we are not contributing to one anyway. My Dad has given her a larger amount (totaling $15k), and he insisted that it not be in a 529. I opened up a UTMA at Wellst...
by Easy Rhino
Wed May 03, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Truck purchase: buy new vs buy used vs lease analysis
Replies: 23
Views: 2007

Re: Truck purchase: buy new vs buy used vs lease analysis

i learned from the leasehacker site that some models "lease well" These are typically models with high discounts and, for whatever reason, inflated residual values. But typically trucks do not fall in this category. There's probably a lot of 3 year old off lease and off-rental trucks avail...
by Easy Rhino
Wed May 03, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 3849

Re: Buying first home with old hvac

Just to share an anecdote when we were in escrow on a house... We knew it had head and no air conditioning. However, during inspection we learned that the heater was ancient... like 50 years old, and that the ductwork was tin, which apparantly wouldn't work with an AC system. so that was a deteriora...
by Easy Rhino
Fri Apr 28, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Expenses Question
Replies: 14
Views: 1143

Re: Expenses Question

Does vanguard do 401ks for small businesses? Another option, if you can't find a 401k with low costs, would be to switch to a SEP with a local bank or credit union. You could still make large contributions there, and then you'd tried to find one where you can roll funds over to an investment IRA onc...
by Easy Rhino
Fri Apr 28, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Home Refinance Question
Replies: 7
Views: 531

Re: Home Refinance Question

you can save a good chunk on interest with a low upfront expense. The only real downside is the crimp on your income for a very long time. but if that's ok for the forseeable future, then go for it. Getting rid of PMI would be great, of course. And who knows a different lender might get you a slight...
by Easy Rhino
Thu Apr 27, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance or sell?
Replies: 6
Views: 456

Re: Refinance or sell?

Agree with others, make sure the lender credits at least cover your closing costs.

And yes, you might be really good candidate for an ARM. But I'd lean towards getting a fixed period significantly longer than you think you'll be in the house, just in case
by Easy Rhino
Thu Apr 27, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7139

Re: Removing a tree - expensive!!!

incidentally, we had a california pepper tree growing in an unloved corner of our backyard, under a power line so it was going to be trouble eventually. Actually, it had already been cut down once, but the it resprouted suckers so vigorously it was still about 15 feet tall. I guesstimate the origina...
by Easy Rhino
Thu Apr 27, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Is not Tax Harvesting usually a wasted opportunity?
Replies: 17
Views: 1941

Re: Is not Tax Harvesting usually a wasted opportunity?

I've been deducting $3k a year every year since 2009. My investing in taxable is occassional and sporadic, but I just use an alternate but similar fund to invest in the foreign indices that I hold that if I want to buy more (and I've used that since my last TLH swap in 2009).
by Easy Rhino
Wed Apr 26, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Dimmer Switch
Replies: 9
Views: 924

Re: Dimmer Switch

The most useful feature of a "CFL/LED" dimmer is an adjustment switch you can tweak for just how low it will go. Lots of LED/CFL lights will flicker or go out when the setting gets low, so you can adjust the floor so that doesn't happen any more. It turns out I had been using LED bulbs in ...
by Easy Rhino
Tue Apr 25, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Pregnant - HSA vs PPO decision
Replies: 11
Views: 1018

Re: Pregnant - HSA vs PPO decision

Congratulations! In a way it's simple because a hospital delivery's list price is, like, $15,000, so you kind of hit the max on any high deductible plan. I'm a little confused by having 100% coinsurance but still having a max cost significantly higher than the deductible... is that only for copays? ...
by Easy Rhino
Tue Apr 25, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Finding inexpensive title insurance
Replies: 2
Views: 356

Re: Finding inexpensive title insurance

Entitle Direct is well known as an internet title insurance company. I actually used them on my most recent refi. They were fine. Saved maybe $200 over the lender's default title company. I had used local company for our house purchase, and the lender's default for the first refi. Actually, the lend...
by Easy Rhino
Tue Apr 25, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1418

Re: Fiberglass batt in basement ceiling

So what about a basement that does get finished where rim joists are sealed and walls are insulated, BUT the new basement living space is not used daily (in winter it will remain cooler than first and second floors). Does one remove the existing fiberglass batt in basement ceiling for creating a pr...
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: 42
Views: 5418

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: 7669

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: 5697

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...

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