Search found 1293 matches

by JBTX
Mon Oct 23, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Quicken 2018 for Mac and PC Released
Replies: 10
Views: 423

Re: Quicken 2018 for Mac and PC Released

I posted this in the other Quicken thread, but some may find it helpful here as well. I found the price of $100 for a 2-year subscription to the Premier version from Staples a little easier to stomach. Staples is offering it in download form as well. https://www.staples.com/Quicken-Premier-2018-2-Y...
by JBTX
Mon Oct 23, 2017 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 63
Views: 4874

Re: Worry market crush, selling 50%, but increase buying 100%

There are different forms of "market timing". What I do, and some others here may, is occasionally and modestly adjust my asset allocation if valuations are high by historic measure. By doing so I am assessing there is relatively greater risk in the market, and I am hedging a bit. But I am not pred...
by JBTX
Mon Oct 23, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: What Should I be Aware of When Opening/Funding a New 529?
Replies: 4
Views: 264

Re: What Should I be Aware of When Opening/Funding a New 529?

First I would say look at fees, which it sounds like you are doing. Some 529's have high enough fees its almost not even worth doing. Also, it is worth considering that one or more of your kids may not go to college. It is hard to really imagine that when starting out, especially if both of you are ...
by JBTX
Mon Oct 23, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Quicken 2018 for Mac and PC Released
Replies: 10
Views: 423

Re: Quicken 2018 for Mac and PC Released

I posted this in the other Quicken thread, but some may find it helpful here as well. I found the price of $100 for a 2-year subscription to the Premier version from Staples a little easier to stomach. Staples is offering it in download form as well. https://www.staples.com/Quicken-Premier-2018-2-Y...
by JBTX
Mon Oct 23, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 63
Views: 4874

Re: Worry market crush, selling 50%, but increase buying 100%

There are different forms of "market timing". What I do, and some others here may, is occasionally and modestly adjust my asset allocation if valuations are high by historic measure. By doing so I am assessing there is relatively greater risk in the market, and I am hedging a bit. But I am not predi...
by JBTX
Mon Oct 23, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Question : Paying off Mortgage
Replies: 18
Views: 1398

Re: Question : Paying off Mortgage

It sounds to me that you may not be terribly liquid. If that is the case, I would not prepay that mortgage any and would instead opt to raise cash or invest that cash rather than paying down the mortgage. I always have looked at it thus: If I lost my job, would I rather have a smaller mortgage and ...
by JBTX
Mon Oct 23, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Question : Paying off Mortgage
Replies: 18
Views: 1398

Re: Question : Paying off Mortgage

Hi all, I have got 3.25% mortgage rate and still need to pay $750,000 (Bay area). I try to pay additional couple of bucks here and there every month towards principal and do not put money in saving. I already have my emergeny/saving fund which i do not touch. Only thing is that after buying the hou...
by JBTX
Mon Oct 23, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: NASDAQ as a significant portfolio component?
Replies: 23
Views: 754

Re: NASDAQ as a significant portfolio component?

I am sure you can take various sectors and slices of the broad market and some of those slices, by definition, will exceed the broad market. How is that different from overweighting small cap, or growth stocks, or any particular higher risk industry sector? The NASDAQ is certainly higher risk and mo...
by JBTX
Sun Oct 22, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investment help for more savings tips
Replies: 5
Views: 311

Re: Investment help for more savings tips

My wife and I have no children and both turned 40 recently. We both work for the state and have Texas Teacher Retirement which we pay in 7.7% per month pre tax. The district we work for does not offer a 403b or 457b plan, but we both have maxed out a Roth IRA (total stock market, total internationa...
by JBTX
Sun Oct 22, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2321

Re: how often to upgrade phone?

In use an iPhone 6 and am content with it. My daughter had it 2 years and then I took it when she got a Samsung. It is actually newer than that because it was replaced during warranty period. I found quite a bit of performance increase going from 5s to 6. I can’t imagine having to still use a 5s I r...
by JBTX
Sun Oct 22, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 22
Views: 2176

Re: Experian Dark Web scan

Maybe not quite the same thing but you can sign up for “Have I been pwned” that tells you if your email (and applicable password) has been part of a nationwide hack and is floating out there on various lists.
by JBTX
Sun Oct 22, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 1145

Re: Shedding Trees

Putting aside the danger of cottonwoods to your home structure i guess in my mind it isn’t unreasonable to have trees in your yard, and with trees you are going to have leaves falling and blowing in other peoples yard. Seems to me that is part of the deal. Overall having trees in the neighborhood ge...
by JBTX
Sun Oct 22, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Turn fridge off when gone or leave it running?
Replies: 40
Views: 48228

Re: Turn fridge off when gone or leave it running?

Also wanted to add that if you have ever opened a refrigerator or freezer that had food in it after it stopped working for any reason, including a power outage, you won't want to leave one running with food in it when you are away for long periods of time. Basically, you would have to buy a new ref...
by JBTX
Sun Oct 22, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Amegy Bank $1000 business Card offer
Replies: 12
Views: 1162

Re: Amegy Bank $1000 business Card offer

This seems to good to be true. Be cautious about identity theft. Curious as to why you think someone taking this offer from Amegy Bank might be susceptible to identity theft. Allan It could be a spoofed website or email address. I found it on doctor of credit. This is a real bank.
by JBTX
Sat Oct 21, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 62
Views: 4056

Re: Desperate to get rid of mosquitoes, what else could we try?

We got these things from Spartan Mosquito https://spartanmosquito.com/ this summer. They have been terrific. No bites or even sightings for the two of us. The friends who recommended them to us are also happy with theirs. Unbeknownst to us, DD and her husband also began using them and she reports t...
by JBTX
Sat Oct 21, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Tub Cleaning Issue - Soap Scum
Replies: 32
Views: 5002

Re: Tub Cleaning Issue - Soap Scum

Best thing ever that I've found is Dawn (1/3) and Vinegar (2/3) in a spray bottle. Spray and wait for ~10 minutes. Scrub/wipe away. Cheap and easy. This. There is something in the Vinegar that breaks down soap scum chemically. The Dawn serves to make it "stickier" to the surface. Works great on gla...
by JBTX
Sat Oct 21, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 49
Views: 3514

Re: What service do you pay for that you could easily do yourself?

Ive thought about lawn care, but always did it myself, partly due to money, partly due to exercise. I am not a DIY guy in general though, so I often pay for stuff to be done that i could do with a little bit of time, research and effort. For a while we had a maid service, but we put them on hold whi...
by JBTX
Sat Oct 21, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: I believe one can beat the market with a simple contrarian strategy. Am I a fool?
Replies: 32
Views: 3302

Re: I believe one can beat the market with a simple contrarian strategy. Am I a fool?

Ben, It sounds to me your methodology is a variant of a moving average model. I don't know exactly how you set your criteria of when the market is above or below where you think it should be, but that is kind of what a moving average does. In a period where the market is mostly trending upwards, a m...
by JBTX
Sat Oct 21, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: ‘Sure Things’ Check-In
Replies: 8
Views: 1877

Re: Swedroe: ‘Sure Things’ Check-In

Appears the article is in a new place: Swedroe: ‘Sure Things’ Check-In | ETF.com . Bogleheads: I was once a market-timer and actually wrote a market-timing newsletter. Two of the worst mistakes I ever made. Best wishes. Taylor Years ago, probably early 90's, I received a subscription to "Mutual Fun...
by JBTX
Sat Oct 21, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Turn fridge off when gone or leave it running?
Replies: 40
Views: 48228

Re: Turn fridge off when gone or leave it running?

Hah! Reminds me of the endless discussions about whether it is better to turn a computer off when not in use or leave it running. Many years ago I worked for two scientists, each of whom had a PDP-11, and one of them was insistent that it not be turned off, ever. Based on an assumption that turning...
by JBTX
Sat Oct 21, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 5851

Re: Letter from CC company (Discover) re: current income

My wife's is a school teacher so her income is a matter of public record (yes, I have looked it up online to verify that) Can anyone tell me once I am their customer what are their rights to looking up information about me? I would assume they have made me agree to a broad spectrum of information g...
by JBTX
Sat Oct 21, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6007

Re: Trash dumped on curb (need advice)

We have been doing major remodel and basically everything in the house had to be moved to the garage or else discarded. Every week I’d have tons of stuff by the side of the road. The trash day was Wednesday and had absolutely no room in the garage so I would start to “stage”’stuff by the side of th...
by JBTX
Sat Oct 21, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Amegy Bank $1000 business Card offer
Replies: 12
Views: 1162

Re: Amegy Bank $1000 business Card offer

I've filled out the application and will likely send it in. You can email it.

Looking at the comments on Dr. of Credit, they may ask for some bank account or income tax form backup. For $1000, I'll play that game.
by JBTX
Sat Oct 21, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Slicing and dicing with limited fund options; cost of emerging markets fund
Replies: 11
Views: 399

Re: Slicing and dicing with limited fund options; cost of emerging markets fund

1. The Wiki page linked says the calculations for the example approximations of the total stock market were performed in 2015. I ran my own calculation using the Morningstar Instant X-Ray as described in the section notes on that Wiki page and got a slightly different style box. Any thoughts on how...
by JBTX
Sat Oct 21, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 20
Views: 1296

Re: Visiting the Great Barrier Reef

I formed an opinion purely from 2-3 chance encounters with South Africans doing that sort of unplanned thing in England that this is a national personality thing -- but that's probably because it is so different from my professional experience of South Africans that it sticks in my mind (overgenera...
by JBTX
Sat Oct 21, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Seeking Insights for Family Member Providing Daycare
Replies: 10
Views: 894

Re: Seeking Insights for Family Member Providing Daycare

Seems like you know what you are doing! Sounds like you raised successful and considerate kids so you probably already have the formula. I would think the key would be to avoid the helicoptering as you indicated. My 2 kids are teenagers now but when our parents visited for extended periods they neve...
by JBTX
Sat Oct 21, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Turn fridge off when gone or leave it running?
Replies: 40
Views: 48228

Re: Turn fridge off when gone or leave it running?

Most newer frigs have an annual electricity cost of circa $55 dollars. Let it run Less than $5 a month? I find that hard to believe. That would be about 38 kw. where I live. Bruce We just got a new fridge. I was shocked at how low the rated energy consumption was. Of course i don’t know how accurat...
by JBTX
Sat Oct 21, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Canadian with $250 k (CAD) to invest. Need help with Asset Allocation.
Replies: 12
Views: 899

Re: Canadian with $250 k (CAD) to invest. Need help with Asset Allocation.

I am curious what Bogle would recommend for someone living outside of the US and not a citizen, given his overall tepid feelings towards international investing. AFAIK he has never touched upon it. I haven't surfed the Vanguard UK site (they have just opened up here) to see what they recommend. The...
by JBTX
Sat Oct 21, 2017 3:38 am
Forum: Personal Consumer Issues
Topic: Amegy Bank $1000 business Card offer
Replies: 12
Views: 1162

Re: Amegy Bank $1000 business Card offer

Last i checked $1000>$200. I am interested in actual rewards dollars. Your comparative metric is meaningless unless you are willing to open 5 of those cards. To each his own but I’m not going to waste my time and muddy my credit for a $200 bonus. For $1000.....maybe I’ll make the effort.
by JBTX
Sat Oct 21, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 1483

Re: Drawback of TOTP (app like Google Authenticator)?

Bottom line they can add security features, like authenticators or VA, which helps, but their weakest link will probably always be very clever hackers armed with a lot of personal information and very skilled at impersonating somebody who needs and should have access. I don’t see any way around tha...
by JBTX
Sat Oct 21, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: Amegy Bank $1000 business Card offer
Replies: 12
Views: 1162

Amegy Bank $1000 business Card offer

Anybody know anything about this?: https://www.amegybank.com/business/business-credit-cards https://www.doctorofcredit.com/ca-tx-nv-amazing-business-credit-card-500-1000-sign-bonus/ It is a business card, and presumably you have to have a business. To get the $1000 you need to spend $7500 in 90 days...
by JBTX
Fri Oct 20, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping 6 months EF, what to do with rest?
Replies: 11
Views: 777

Re: Keeping 6 months EF, what to do with rest?

Hi all, Background info: 1. We have about 11 months of emergency funds. 2. Cars paid off. 3. Only debt we have is mortgage, no other deft. 4. No 401k option. 5. His and hers Roth IRA to be fully funded by end of the year. 6. We have started funding our newborn's 529. We want to invest 5 months of e...
by JBTX
Fri Oct 20, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 147
Views: 10938

Re: Does anyone here with net worths north of $1 mil use financial advisors?

The only difference to a FA . . and broker. . . and brokerage rep. . . between a small, medium, and substantial net worth is the amount of "drooling" and the size of the bib. I have at times been in a room full of helpful professionals and felt like the lobster, or was it the lobster picture on the...
by JBTX
Fri Oct 20, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11971

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Generally I've liked this ... get to see what's coming in the mail, usually junk mail. Today I found out one downside ... I got the email and it shows an official looking document from IRS is coming. Then you spend the next few hours racking your brain for what it could be ... and envisioning the w...
by JBTX
Fri Oct 20, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 63
Views: 4874

Re: Worry market crush, selling 50%, but increae buying 100%

WhiteMaxima wrote:
Fri Oct 20, 2017 2:28 pm
I think my permanent AA would be 80/20 Stock/Bond. I don't believe timing the market BTW.


Based upon this advice I'll buy some puts today, and some calls on Monday.


https://m.popkey.co/1d83b1/oG9xw_s-200x150.gif
by JBTX
Fri Oct 20, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 1483

Re: Drawback of TOTP (app like Google Authenticator)?

Fidelity now has voice authentification so a stranger claiming to be you should get detected. However even that isn’t perfect. I called in one time and the rep said the VA wasn’t working because he was having “computer problems” then asked me a security question that anybody with any level of perso...
by JBTX
Fri Oct 20, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refi, How To, Should I?
Replies: 12
Views: 1110

Re: Mortgage Refi, How To, Should I?

QL is probably not the lowest rate out there but some of these outfits may be throwing out teaser rates you aren’t likely to get. Could you elaborate why you think this 'teaser rate' is not likely to get? (honest question). So on a lark I put in a quick online info request and Sebonic called me wit...
by JBTX
Fri Oct 20, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Intro Portfolio Advice
Replies: 6
Views: 434

Re: Intro Portfolio Advice

Hello All - Newbie here looking for some advice. My overall goal is reaching financial independence/money for retirement. I've been off to a slow start with investing and want to get things right~ Info: Emergency funds: 9 months expenses ($26,000 - In American Express High Yield Savings @1.25%) Che...
by JBTX
Fri Oct 20, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 2801

Re: Finally a win for teachers!!

That is great story. I know FL teachers retirement benefits have been somewhat under attack in recent years. At least now if you have to save for retirement on your own you have some good choices. And YOU made that happen. The fact that nobody really cared just shows how financially illiterate most...
by JBTX
Thu Oct 19, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6007

Re: Trash dumped on curb (need advice)

HOA's do not exist to be useful. They are a way for a minority of homeowner's to control their neighbors and a source of harassment and taxes. How true. Well said. My personal experience is that HOAs and similar can protect the majority of homeowners from the selfish and sometimes illegal behavior ...
by JBTX
Thu Oct 19, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 1483

Re: Drawback of TOTP (app like Google Authenticator)?

Currently, my accounts use a mix of SMS two-factor authentication and TOTP apps like Google Authenticator and Symantec VIP. I certainly recognize the possibility of someone hijacking my mobile phone account and why TOTP apps are more secure (for more background, see this recent thread for example: ...
by JBTX
Thu Oct 19, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 20
Views: 1296

Re: Visiting the Great Barrier Reef

Just returned from a trip to Australia which included a trip to Cairns to see the Great Barrier Reef. Considered one of the natural wonders of the world, it is always listed as a "must-see" when visiting Australia and was probably the thing I was most looking forward to. So I offer the following ob...
by JBTX
Thu Oct 19, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA – is it worth paying taxes now on gains?
Replies: 5
Views: 474

Re: Back Door Roth IRA – is it worth paying taxes now on gains?

I’m kind of confused here. Are you saying you want to transfer after tax Traditional IRA funds to a Pretax Traditional 401k? Can you even do that? I wouldn’t think so. Even if you could it wouldn’t make sense. You’ve already paid taxes on the non deductible contributions. Putting them in pretax woul...
by JBTX
Thu Oct 19, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 27
Views: 2440

Re: How soon to cancel a credit card after signup bonus.

If you can prorate, I wonder how that works with some of these cards with high up front bonuses that charge you annual fee first year? Can you cancel the card after getting your bonus to get Your prorated fee back? I did some searching, since we recently took advantage of Barclaycard's, pay fee, us...
by JBTX
Thu Oct 19, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 62
Views: 9290

Re: Amazed by Vanguard Wellington's Performance

It could be that W and W have hit a sweet spot in tilting towards large solid value stocks and medium high quality bonds with slightly longer duration. There was a 5ish year period late 70s early 80s where they significantly lagged their peers. This was a high inflation time where interest rates sky...
by JBTX
Thu Oct 19, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer - 6 month Review & Others
Replies: 5
Views: 811

Re: Job Offer - 6 month Review & Others

I had a previous post (see below) that I have renamed due to new information. I'd like some input on a couple of things regarding the new job offer. Current Role Salary: X 401k: 7% + 0.5% more up to 8.5%, increases 0.5% w/ 5 years cumulative service Bonus: $0-2000 PTO - 3 weeks, plus 9-80 every oth...
by JBTX
Thu Oct 19, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Pant Recommendations (Business Casual)
Replies: 42
Views: 2483

Re: Pant Recommendations (Business Casual)

Fit is the most important thing, as long as the fabrics are decent quality. Hit up a place that carries Dockers and grab a bunch of different cuts in sizes around where you think you are and try them all on. Like, take 20 pairs of pants to the dressing room. Or try out a Bonobos - they have a ton o...
by JBTX
Thu Oct 19, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395694

Re: What's Your Credit Card Rewards Strategy?

I need help figuring out if I should ask Fidelity to lower my credit limit. I applied for their 2% cash back card about 2 weeks ago, and the approval finally came through and it's for $50k. I have no need for that high a limit, and am s bit concerned that it'd lock up my credit and mess with me get...