Search found 306 matches

by NHRATA01
Fri Jan 29, 2016 9:21 am
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 22
Views: 938

Re: 403b provider choices

Not sure of your location but as mentioned the NYS 457 plan is quite good, and very low cost. I chose this over my wife's district's OMNI 403b providers which were no better than yours.
by NHRATA01
Wed Jan 27, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Is Nitrogen better than air?
Replies: 86
Views: 9772

Re: Is Nitrogen better than air?

Agree with everyone on the inanity of using nitrogen for car tires. On a related note, how one compresses the air into the tires makes more of a difference to moisture content than the nitrogen/air debate (or so I've read). The theory goes that tankless compressors allow all of the water vapor in t...
by NHRATA01
Wed Jan 20, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: 401K in this downturn?
Replies: 11
Views: 1158

Re: 401K in this downturn?

Unless you're retiring within a few years (in which case you should've been altering your asset allocation before this hiccup) stick to the plan. Anything in stocks/international, you're getting more shares for your money right now. :)
by NHRATA01
Tue Jan 19, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: eyeing micro-cap stocks
Replies: 39
Views: 2622

Re: eyeing micro-cap stocks

Far too ripe for manipulation, pump and dump schemes, company leaders diluting shareholders, etc. I played the game when pot stocks were hot 2 years ago and got burned "only" (depending upon your point of view) to the tune of about 6 grand. Lesson learned the hard way. Also it was kind of ...
by NHRATA01
Mon Jan 11, 2016 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Possible to complete back door roth via online Vanguard?
Replies: 8
Views: 540

Re: Possible to complete back door roth via online Vanguard?

1. Open IRA account if you don't have one. 2. Fund the IRA. 3. Open the Roth account if you don't have one. 4. Buy what you want in the Roth using the funds in the IRA. This process. When you go to submit the transaction, Vanguard will alert you that this is a conversion. But yeah, pretty much as s...
by NHRATA01
Sun Dec 27, 2015 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Age in Bonds
Replies: 108
Views: 7862

Re: Age in Bonds

36, 77/23 stocks to bonds. I was doing age in bonds -10 for a couple of years, but now I've basically frozen it at 23% and will probably keep it there until I get close to 50 where retirement is somewhat in view. I honestly don't think I'd have the tolerance for 36% bonds when I'm in the prime accum...
by NHRATA01
Tue Dec 22, 2015 9:25 am
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 9590

Re: I would like to play the Boglehead car game too

2. benz cla 250. nice car, not especially expensive, built in hungary (as opposed to mexico or brazil). and you can take delivery in stuttgart! can get one for around 45k. this car states "we have good taste, like a nice german car, but are not flaunting our prosperity." Eh, to me its abo...
by NHRATA01
Fri Dec 18, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 9590

Re: I would like to play the Boglehead car game too

old cars are not nearly as safe as newer ones if you have the money, a newer car can save you from death or disability and you might get hit by a huge SUV while the driver is texting so buy a new larger safer car By that logic, you should buy a newer, even safer car every single year. Because newer...
by NHRATA01
Thu Dec 17, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 9590

Re: I would like to play the Boglehead car game too

old cars are not nearly as safe as newer ones if you have the money, a newer car can save you from death or disability and you might get hit by a huge SUV while the driver is texting so buy a new larger safer car By that logic, you should buy a newer, even safer car every single year. Because newer...
by NHRATA01
Wed Dec 16, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 9590

Re: I would like to play the Boglehead car game too

A car guy, but you want something presumably reliable and undoubtedly financially conscious based on your bogleheadedness. I would ask what spectrum of the car guy scale do you gravitate towards? More of a fine tuned piece of handling and engineering, like that S2K, or more of a knuckle-dragging mus...
by NHRATA01
Mon Dec 07, 2015 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 168
Views: 20128

Re: Who's buying Oil stocks?

I am thinking about reopening a position in VDE in the near future. I bought some around '10, logically, or illogically as a (perhaps emotional) hedge since I heat with oil and if oil goes up I pay more in fuel costs but my investment makes money, if it goes down I save real money but lose paper mon...
by NHRATA01
Mon Nov 23, 2015 9:13 am
Forum: Personal Consumer Issues
Topic: Credit card hacked, what we learned
Replies: 49
Views: 6782

Re: Credit card hacked, what we learned

Don't feel violated because "your credit card got hacked". What got `hacked' is the intentionally very low security that the credit card companies have. It's not your money, it's the industry's fault, and the industry should bear all the costs of lax security on credit cards. However, sec...
by NHRATA01
Mon Nov 16, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 403(b)
Replies: 10
Views: 909

Re: Help with 403(b)

My wife is in a suburban NY district with Omni as the provider. Her choices are fairly similar to yours and not ideal either. They also dumped Vanguard and Fidelity after 6/2012, as by the time I got her set up they wouldn't accept new accounts through those providers. What you should look into is t...
by NHRATA01
Fri Nov 06, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: Is DIY Car maintenance that hard these days?
Replies: 51
Views: 4081

Re: Is DIY Car maintenance that hard these days?

A straight 6 BMW 3-series (E36/E46 years) and 5-series (E90) you will probably be alright on as they are surprisingly simplistic. But when you start moving past the entry level modes (C/3/A4) they start getting real expensive to maintain. E90 is 3 series, 5 is E39, E60 and most recently F10 And I c...
by NHRATA01
Thu Nov 05, 2015 1:55 pm
Forum: Personal Consumer Issues
Topic: Is DIY Car maintenance that hard these days?
Replies: 51
Views: 4081

Re: Is DIY Car maintenance that hard these days?

A used Suburban, with a non-Displacement on Demand/Active Fuel Management (aka cylinder deactivation) 5.3 LS-based V8 is actually a fairly straightfoward and reliable vehicle. Most of the routine maintenance and wear items - spark plugs included - are quite easy to do on that platform (or any of wha...
by NHRATA01
Mon Nov 02, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 113
Views: 6108

Re: Oil change - Auto shop or DIY

Bottom line: when your core competency is something other than changing oil, it is best to out-source. This is something you hear again and again in the engineering community, much to its detriment. The central idea is, that if you can't even do that, then what are you doing here in the first place...
by NHRATA01
Wed Oct 28, 2015 3:13 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 113
Views: 6108

Re: Oil change - Auto shop or DIY

I change it religiously at 3 months. That is a waste of money and resources (unless you're a taxi driver). How many miles is that? Follow your owners manual and the OLM (oil life monitor) and if you want to "feel better", change it at 15% life remaining instead of 5%. Your engine won't kn...
by NHRATA01
Tue Oct 06, 2015 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: [How do I] short a stock
Replies: 28
Views: 2200

Re: [How do I] short a stock

With regards to the comment above about shorting an employer's stock - this is an area where you'll want to be very careful. Trading publicly listed securities (including those of your employer) on the basis of material nonpublic information can get you in trouble with the SEC. Sorry for the bump. ...
by NHRATA01
Thu Oct 01, 2015 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: [How do I] short a stock
Replies: 28
Views: 2200

Re: I would like to short a stock that just reverse split.. how the hell do I short?

For starters, you need to have a margin account at your brokerage. You'll have to apply for margin, and you'll need assets in the account to cover the margin. For two, the brokerage will need to have shares available for you to short - that's not always a given if it's not a big company or in terrib...
by NHRATA01
Sun Sep 13, 2015 12:27 pm
Forum: Personal Consumer Issues
Topic: hot water heater: oil vs. electric?
Replies: 18
Views: 1566

Re: hot water heater: oil vs. electric?

I would think the best way to do this would be to use an indirect fired water heater that just runs off a zone on the furnace/boiler. This is how my house is set up. You lose some minor efficiency, and the furnace runs in the middle of summer to make hot water which isn't ideal. But it's easier to d...
by NHRATA01
Thu Aug 27, 2015 7:23 am
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 59
Views: 5901

Re: Tire rotation

Yes, they should be rotated. It is fairly easy to do yourself. You should invest in a decent floor jack, pair of jack stands, 1/2 inch drive breaker bar with short extension and 6-point socket to fit the lug nuts/bolts and torque wrench. Know where to place the jack and jack stands (I place the fro...
by NHRATA01
Thu Aug 20, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: help choose home heat fuel/furnace
Replies: 14
Views: 1063

Re: help choose home heat fuel/furnace

lpg seems to sort of track oil prices. Last I got was $2.39 /gallon. 99 cents/gallon seems way under market in the US. http://www.eia.gov/dnav/pet/hist/LeafHandler.ashx?n=PET&s=M_EPLLPA_PRS_NUS_DPG&f=M I believe, and I've been told this in other threads here I think, that propane prices bas...
by NHRATA01
Mon Aug 10, 2015 12:22 pm
Forum: Investing - Theory, News & General
Topic: Nick Murray - Bloomberg Radio
Replies: 4
Views: 671

Re: Nick Murray - Bloomberg Radio

His "Simple Wealth, Inevitable Wealth" was the first investment book I read that started me on the path to understanding rational investing, which then lead to finding the bogleheads. I recall finding his advice quite useful but I don't recall enough about his asset allocation (allegedly 1...
by NHRATA01
Mon Aug 03, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 2984

Re: Crab Grass

Yup, in NY here and I don't think I can top Boglegrappler's advice. Pre-emergents early in the year, usually 1st 2 weeks in April for me, roughly before the dandelions turn white or the forsythia bloom. It will take about 2-3 seasons for you to control, but you'll get there. Then I find, as annoying...
by NHRATA01
Mon Aug 03, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 96
Views: 9635

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

^^^ It depends on the specialty. You can't off-shore electrical power generation and transmission. If you like working for an electrical power utility company, you're set for a quite a while. I will second this. I work in a facilities engineering role, and manage a utility plant at a large industri...
by NHRATA01
Fri Jul 31, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 96
Views: 9635

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

Certainly without knowing your personality, preferences and what you enjoy, it's tough to offer advice. That said in my opinion as an engineer, the field best fills a lot of your criteria on the list. Student loan debt - Only 4 years vs 6-8 For MD, Law or MBA, plus tend to be less expensive then lib...
by NHRATA01
Fri Jul 31, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Fuel injector cleaning
Replies: 23
Views: 1395

Re: Fuel injector cleaning

Late to the party here... this is stuff I know sumthin' :P ( hint hint my "screen name ID...LOL ) 6) Post about automotive maintenance (Including this topic in other places) are often erroneous, with what would appear to be know-it-all personalities. Gotta love the internet... RTFM do what the...
by NHRATA01
Thu Jul 30, 2015 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Best way to backdoor Roth at Vanguard for <3K
Replies: 2
Views: 184

Best way to backdoor Roth at Vanguard for <3K

I stumbled upon a problem. The past couple years I've been using the backdoor Roth at Vanguard, I did the maximum in one shot each time, moving it into a nonductible tIRA money market and then converting into my existing funds in the Roth so there were no tax implications. Well, for various reasons ...
by NHRATA01
Tue Jul 28, 2015 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Penny Stocks
Replies: 23
Views: 1858

Re: Penny Stocks

I dabbled in pot penny stocks a year and a half ago when they were hot.

A lesson was learned, unfortunately just slightly less quickly, then a few thousand were lost.
by NHRATA01
Mon Jul 27, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 4481

Re: Low mileage oil change

Even if one is not concerned about the inconvenience and financial cost of potentially unnecessary oil changes there is an environmental cost that many may find disturbing. There shouldn't be, if you are taking your used oil to a collection that sends it out to be recycled. If you're dumping it in ...
by NHRATA01
Tue Jul 21, 2015 1:47 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Camry Issue
Replies: 20
Views: 1713

Re: 2007 Toyota Camry Issue

If going in to do a water pump, should the timing belt be done as well? I believe these two things are commonly done together as you have to remove the same stuff to get affected parts. The timing belt is much more involved then the w/p. Generally if the belt is due it's advised to do the pump as w...
by NHRATA01
Tue Jul 21, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Camry Issue
Replies: 20
Views: 1713

Re: 2007 Toyota Camry Issue

I just talked to my husband, who has owned an auto repair shop for over 20 years, and got his opinion. He says: 1. Try physically bouncing the car at both the front and rear ends. If the car continues to bounce more than once after you stop, the struts need to be replaced. Otherwise, they can wait....
by NHRATA01
Thu Jul 09, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7769

Re: No dipstick on a new Audi engine!?!!

You can not even change a battery on a new BMW anymore without visiting the dealer. Completely untrue. You can indeed change the battery but you have to know how to register it with the computer. It requires a $20 cable to connect your iphone/droid to the car and an app that you can download for a ...
by NHRATA01
Thu Jul 09, 2015 7:34 am
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7769

Re: No dipstick on a new Audi engine!?!!

Dipsitcks have become a luxury that luxury cars no longer posses. If you can afford a new BMW or Audi, someone else will do the work on it. Why would the owner get their hands dirty? I don't do engines, but I have worked on hydraulic systems. A major sources of contamination was oiks "cleaning...
by NHRATA01
Thu Jul 09, 2015 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Silly question...better to invest now in intl stocks?
Replies: 24
Views: 3245

Re: Silly question...better to invest now in intl stocks?

Consider that the two China indices undergoing this "correction" (the Shanghai and the Shenzen) are not excessively large components of the typical total international index. China on the whole is only 5.2% of VGTSX - I'm not sure if that 5.2% also includes HK's Hang Seng, which would furt...
by NHRATA01
Wed Jul 08, 2015 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: 457b dividends explained please.
Replies: 4
Views: 450

Re: 457b dividends explained please.

Yes, I really don't think you've been shortchanged of your dividends, though unfortunately it is sad that the help line was of little help. It sounds like it's something along the lines of a unitized fund, or basically a fund of funds. My Fortune 20 corp's 401K through Fidelity has it's basic index ...
by NHRATA01
Fri Jun 26, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: Questions about brick paver driveway
Replies: 12
Views: 2016

Re: Questions about brick paver driveway

I am in NY and would never consider pavers for a driveway. My in-laws did about 5 or 6 years ago, and here's what I've noticed (a few reasons mentioned so far) - First and foremost they have heaved in a few places due to the weather changes, and surely the water getting underneath and freezing in th...
by NHRATA01
Thu Jun 25, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: Natural Gas Heated Home w/o Flue?
Replies: 17
Views: 1993

Re: Natural Gas Heated Home w/o Flue?

Just one small add - you could have a standard efficiency boiler with a power venter somewhere around the foundation. Basically an electrically powered exhaust fan that is cheaper for the builder than putting in a chimney and flue. The negative is maintenance is higher and they do need to be replace...
by NHRATA01
Mon Apr 27, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 39
Views: 8075

Re: Overfilled Oil in Car - Cause of Oil Leak?

I put Fumoto valve on all of my cars. Never had one leak and one car has had it on for 23 years. Makes changing the oil so much easier. :) Same here. This should be standard equipment on cars. If it's every overfilled, just let a little oil out - done. (Change oil myself, Jiffy Lube or dealer would...
by NHRATA01
Thu Apr 23, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 3779

Re: Broken Oxygen Sensor on Car

Would you take advice about investing from bunch of oil nerds on the internet? Why would you ask car repair questions here? But to iterate earlier advice; there is nothing which will cause the oxygen sensor to be physically broken. In all likelihood you have been lied to. If it is under warranty, y...
by NHRATA01
Mon Apr 20, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 3428

Re: Overinflating Tires

What is "spec"? The door jamb spec is for the tires that first came with the car and yields a smushy ride. Most tires shops tend to go with 30-35 regardless of the vehicle or the tire. I would call this "underinflated" by 10psi. The spec I use is the max sidewall pressure of the...
by NHRATA01
Mon Apr 20, 2015 12:42 pm
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 3428

Re: Overinflating Tires

You don't want to be at the max cold. Oh yes I do. Pressure readings should be taken when the tire is cold. If they happen to go over the rated pressure when hot, so be it - that's what they are designed to do. Reference: http://www.tirerack.com/tires/tiretech/techpage.jsp?techid=196 You should not...
by NHRATA01
Fri Mar 27, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 123
Views: 16046

Re: Best albums of 2015

Well, too early to tell but since it's looking like potentially new albums from Metallica, Megadeth, Slayer, Anthrax and Testament, it's going to be a great year for the legions of thrash metal fans here on the boglehead forums!
by NHRATA01
Fri Mar 27, 2015 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: 457 or 403(b)
Replies: 6
Views: 664

Re: 457 or 403(b)

I would see what options the state 457 offers. I enrolled my wife in the NYS which has several Vanguard index funds to meet my asset allocation requirements, so I was very happy with those offerings. Her 403b on the other hand was atrocious with nothing but life insurance companies. I see yours at l...
by NHRATA01
Wed Mar 25, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: 457(b) Question
Replies: 8
Views: 746

Re: 457(b) Question

^ It does look to me based upon those 3 funds, that you can do the simple 3 fund portfolio with minimal expenses.
by NHRATA01
Tue Mar 17, 2015 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Barron's article...Closed End Funds Advantage....
Replies: 13
Views: 1727

Re: Barron's article...Closed End Funds Advantage....

Another good reason to invest is that you can often buy these funds at a discount to Net Asset Value. Of course a closed-end fund can trade at a discount for years and years. Not only can a closed end fund trade at a discount to NAV for years and years, but the discount can get bigger after you buy...
by NHRATA01
Fri Mar 06, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: Sedan or SUV
Replies: 22
Views: 2031

Re: Sedan or SUV

A car is a personal choice. I would hate to impose upon my spouse to make her buy a car chosen by an internet forum. Yes, it's very hard to offer a suggestion not knowing your personal preference. Personally, if I do not need the room nor "utility", I will take a sedan over an SUV. SUV/CU...
by NHRATA01
Wed Mar 04, 2015 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Tax Concern - Exceeded 2014 limits?
Replies: 1
Views: 289

Backdoor Roth Tax Concern - Exceeded 2014 limits?

I think I may have a problem but am not sure so I call upon the bogleheads expertise and experience. I sent an email to Vanguard so we'll see what they say but perhaps the forum can clear my confusion. This is in regards to using a backdoor Roth contribution. Jist of the email follows below. In prin...
by NHRATA01
Mon Mar 02, 2015 10:43 am
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 9398

Re: What's your average ER?

I enjoy that this thread has so many responses which proves I'm not the only nerd out there calculating the effective ER of my retirement portfolio! As of month-end February, just updated about an hour ago: My 401K - 0.0872 My Roth IRA - 0.0871 Wife's 457b - 0.0736 (Wife's Roth IRA is 100% in TD2045...
by NHRATA01
Fri Feb 27, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 42
Views: 4863

Re: Are remote starters bad for cars?

Any car this century ...(t)he maximum you should generally warm up your engine is as 'wander' said "when the temperature gauge starts to move". Such this century cars may exist, but my cars from this century do not have temperature gauges. :) They did mid-last century though. :) Some of u...

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