Search found 477 matches

by NateH
Thu Feb 04, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6060

Re: Sibling's destination wedding?

If being a boglehead means virtual hand-wringing over cracking open the piggy bank a bit to see your sibling get married, then I'm not sure i want to be a boglehead anymore.

live to save or save to live ?
by NateH
Thu Feb 04, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6060

Re: Sibling's destination wedding?

will there be an open bar? :sharebeer
by NateH
Tue Feb 02, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2655

Re: Manual can opener recommendation

I really like the Zyliss. After closing down on the can, it locks on and you can lift it off the surface without any effort or worry that it could slip off and fall . I also bought one for my elderly parents who were used to the traditional style (the really old ones, plus the style that came out i...
by NateH
Tue Feb 02, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Babysitter not providing SSN
Replies: 59
Views: 5366

Re: Babysitter not providing SSN

She understands it is her liability to declare her income to IRS etc. Au contrair mon fraire. Presumably you will pay her more than $2000 in 2016, and then it becomes your responsibility to withhold and remit FICA taxes. I believe you will also need to submit a W3 and provide her with a W2. Check o...
by NateH
Thu Jan 28, 2016 1:11 am
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 928

Re: Water softener water overflow issue

Thanks @NateH So, when out of town with water off, should I unplug it or do something else? Thanks! Blitzer - It doesn't matter. With no water pressure, the softener cannot do anything. It will not soften water than is not flowing through it & it cannot recharge without pressure to pull the bri...
by NateH
Wed Jan 27, 2016 11:08 pm
Forum: Personal Consumer Issues
Topic: Anyone driven Oregon to Chicago in Jan-Feb?
Replies: 25
Views: 1456

Re: Anyone driven Oregon to Chicago in Jan-Feb?

Speaking for the Minnesota & Wisconsin part of I90 / I94, you will have no issues. Just be aware of the weather and match your speed to the conditions. Millions of us live around here, and we do drive our vehicles in the winter. :wink: Bring a good pair of polarized sun glasses. Driving through ...
by NateH
Wed Jan 27, 2016 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Re-buy after TLH? First timer!
Replies: 12
Views: 1123

Re: Re-buy after TLH? First timer!

I wouldn't rush to get back, unless you don't mind the tax paperwork of sales every 31 days until the international market turns around.
They basically track one another 100%.
by NateH
Wed Jan 27, 2016 10:20 pm
Forum: Investing - Theory, News & General
Topic: Entire Portfolio Expense Ratio
Replies: 41
Views: 2029

Re: Entire Portfolio Expense Ratio

0.107%
by NateH
Thu Jan 21, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Screwed up tax loss harvesting
Replies: 17
Views: 1053

Re: Screwed up tax loss harvesting

pduan87 wrote:
So just wondering what others have done in this situation.


do an Exchange instead of a Sale.
by NateH
Thu Jan 21, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 7270

Re: What was your biggest unexpected home expense?

cheese_breath wrote:Needed to replace the dishwasher. That's not the unexpected part.

When we replaced it we discovered the color was being phased out, so naturally DW said we have to replace the stove and fridge too so everything would match. :oops:


been there :oops:
by NateH
Thu Jan 21, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 928

Re: Water softener water overflow issue

I am not sure I understand how the water softener works. I never saw one before I moved into my new house last year. I would appreciate any insights and solutions. I have water overflow from the brine tank almost every day. I see a pool of water around the softeners. Even though the water level in ...
by NateH
Thu Jan 21, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 928

Re: Water softener water overflow issue

I had once replaced my watersoftener with one at Sears. Everything worked fine several years. When 6 years old it stopped and I read the manual, got it working again, had an expert come, etc. Finally a group of experts said it was OK, but it was not using up the salt. So I shut it off and had hard ...
by NateH
Thu Jan 21, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 928

Re: Water softener water overflow issue

I don't want to hijack this thread, but my question probably doesn't warrant its own thread. I'm leaving my house for an extended period of time and will turn the water off. Can I just unplug the water softener and that's it? There should be a bypass valve on the softener. By switching it over, it ...
by NateH
Wed Jan 20, 2016 11:17 pm
Forum: Personal Consumer Issues
Topic: frost on windows - any experts (or people who have dealt with this)? Images inside!
Replies: 27
Views: 2805

Re: frost on windows - any experts (or people who have dealt with this)? Images inside!

I don't think you have anything to worry about. turn up the thermostat if it really bothers you. If those rooms have ceiling fans, turn them on to circulate the air a bit more. I have a large picture window that forms an egg shaped condensation in the center of the glass, on the inside when the temp...
by NateH
Mon Jan 18, 2016 12:39 am
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 87
Views: 11199

Re: Memory foam mattresses - any insight?

Don't know if its available in your area, but we have been very satisfied with our Original Mattress Factory Serenity foam bed. After a few years on it, my chiropractor appts have gone down and we sleep great. no problems with sleeping too hot. we 'tested' all of the Tempurpedic models and found the...
by NateH
Fri Jan 15, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 4683

Re: What's your company 401k contribution

Last year I put in 6% and the company put in 10% for a total of 16%. Half of that company contribution is in exchange for not joining the pension plan when i was hired (5% of salary each year). Instead i get to manage it myself. Unfortunately, they just moved the plan from Vanguard to AON. :( My spo...
by NateH
Mon Jan 11, 2016 3:03 pm
Forum: Investing - Theory, News & General
Topic: my final look at 2015 sure things
Replies: 11
Views: 1688

Re: my final look at 2015 sure things

good stuff - thanks for keeping track of these year after year.
Any hints what the "Sure things of 2016" are?
by NateH
Thu Oct 29, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: Heart pacemaker patient forum
Replies: 3
Views: 352

Re: Heart pacemaker patient forum

http://www.pacemakerclub.com Our purpose is to help cardiac pacemaker, implantable cardioverter defibrillator (ICD) and cardiac resynchronization therapy (CRT) recipients meet, share information and support each other. Membership is free and over 26,000 pacemaker, ICD and CRT patient and loved-one s...
by NateH
Fri Sep 11, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: Features for a new toilet
Replies: 33
Views: 2963

Re: Features for a new toilet

American Standard Champion Series, Elongated, Comfort Height. The best :dollar200 I spent 5-6 years ago. The thing to look for is a toilet with a simple flush, ours has the old school flapper but its like 3" round, works like champ, it came from Home Depot. Its a two piece, if they have a sing...
by NateH
Thu Sep 03, 2015 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: is it worth buying ESPP?
Replies: 30
Views: 2222

Re: is it worth buying ESPP?

no look-back + mandatory 1-year holding period = pass

buy TSM.
by NateH
Wed Aug 05, 2015 8:26 am
Forum: Personal Consumer Issues
Topic: Comcast wants me to buy a new modem (I think)
Replies: 53
Views: 3547

Re: Comcast wants me to buy a new modem (I think)

They want you to upgrade because its easier on them/their system. If you aren't paying for the super blazing mega fast hair-on-fire service, you won't get any benefit by upgrading your modem. I had a Doc3.0 modem but fried it during a lightning strike outside the house. switched back to my old modem...
by NateH
Wed Aug 05, 2015 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with low raise
Replies: 71
Views: 5607

Re: Frustrated with low raise

Tell boss man that you want a promotion.
Demonstrate that you have performed at the next level.

If hes smart, he'll realize you can get the promotion internally or externally.
by NateH
Mon Aug 03, 2015 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX for Emergency Fund
Replies: 10
Views: 1141

Re: VBILX for Emergency Fund

I hold the intermediate-term muni fund, VWITX in taxable for part of my 'emergency funds'. I would expect VBILX to be similar.
It's worst annual return was -1%. I figure that I can absorb a 5% or 10% loss if that day came, so it works for me.
by NateH
Mon Jul 13, 2015 7:50 am
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1199

Re: Voyageurs National Park Vacation

http://www.nps.gov/voya/planyourvisit/b ... torage.htm

Black Bears mostly wreck stuff, looking for food.
by NateH
Fri Jun 26, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 20922

Re:

nisiprius wrote:We buy our cars at issue and hold them to maturity, and I don't think the price fluctuation in between matters much.


This is awesome. <slow clap>
by NateH
Fri Jun 26, 2015 8:46 am
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 5746

Re: Did 2008 change your investing strategy?

It may have temporarily changed my fund balances, but no change to strategy at all.
by NateH
Fri Jun 26, 2015 8:43 am
Forum: Investing - Theory, News & General
Topic: Has anyone noticed the Japanese stock market lately?
Replies: 15
Views: 2477

Re: Has anyone noticed the Japanese stock market lately?

It can't keep going down forever. Guess that's true. Once it reaches zero, the market closes and never re-opens. :D :beer Clearly, you are not familiar with an Asymptote https://en.wikipedia.org/wiki/Asymptote to OP, i noticed that i had had to dump less money into PAC index this year during re-bal...
by NateH
Thu Jun 25, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 36
Views: 3059

Re: Home renovation funding

"This time is different"...
by NateH
Tue Jun 23, 2015 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old / Missed the bull run
Replies: 50
Views: 9157

Re: 30 years old / Missed the bull run

2) what sort of emergency fund does everyone recommend to cover market conditions to ensure I never touch my money? thanks everyone! Not knowing what your definitions of Spending and Expenses are, i would guess 6-months worth of something between .333 and .667. In an emergency, you can always cut s...
by NateH
Tue Jun 23, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 27326

Re: What was the 2008 crash like in real time?

This wasn't a part of the stock market crash, but related. Families selling or moving up in the housing market got trapped as they home equity evaporated. Some unlucky ones could have sold their home for a profit early in the decline, but - hoping for a few thousand more - followed the housing marke...
by NateH
Mon Jun 15, 2015 3:07 pm
Forum: Investing - Theory, News & General
Topic: Momentum across time and asset classes
Replies: 40
Views: 5494

Re: Momentum across time and asset classes

It must be harder than it sounds. Source: Morningstar Blue, Vanguard Total Stock Market Index Fund, VTSMX Orange, AQR Large-Cap Momentum Fund, AMOMX http://s4.postimg.org/q5nql727x/Captura_de_pantalla_2015_06_14_a_las_9_28_59_AM.png Maybe the problem is large-cap, let's try a small-cap momentum fun...
by NateH
Mon Jun 15, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: How/where to get rid of old gasoline
Replies: 35
Views: 6642

Re: How/where to get rid of old gasoline

Cities might have a 1X per year clean-up, but if you call the county or state, you might find a facility that is open all year.
by NateH
Wed May 13, 2015 11:22 pm
Forum: Personal Consumer Issues
Topic: Can a room with only a toilet be considered a bathroom?
Replies: 28
Views: 2822

Re: Can a toilet alone in a room be considered a bathroom?

It could be listed as a 1/4 bath, but it is probably not vented correctly, so no one has claimed it as a proper plumbing fixture. The code on wet venting toilets are not what they used to be.
by NateH
Wed May 13, 2015 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase home without permits?
Replies: 70
Views: 5084

Re: Should we purchase home without permits?

Leave in all of the inspections. Add additional ones if you can think of any which might be worthwhile. You're in a perfect positions to get a price reduction, depending on the laws in your local area. Where I live, sellers are required to disclose any known defects in a property. Sellers can be ve...
by NateH
Sun May 03, 2015 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Everyone is saying to get out of Bond Funds? Ignore?
Replies: 55
Views: 8856

Re: Everyone is saying to get out of Bond Funds? Ignore?

Everyone knows (well almost everyone) not to market time the stock market. The bond market is no different. You might not see it, but this is market timing. Ignore the noise, the news reports, and the doomsday articles. You can't guess where the market will go next. Let's review what happened to bo...
by NateH
Sun May 03, 2015 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to cash until clear plans formed [formerly Sell in May, Go Away, and Think About It]
Replies: 39
Views: 4610

Re: Sell in May, go away, and think about it?

If you'd like some historical perspectives on the "sell in May" strategy, type "Sudhi" in the search box.
by NateH
Tue Apr 28, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: Prepping a house for sale: What are the priorities?
Replies: 33
Views: 3471

Re: Prepping a house for sale: What are the priorities?

Lots of good advice above---- I'll add only a few. Take down photos of yourself & family. I always found it weird. Replace with generic pics or pull the nail & paint over the hole. Given your situation with pets & the young age of the home, I would go with cheap new carpet next winter/sp...
by NateH
Mon Apr 27, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 7111

Re: Feel like I made a mistake with buying a house: apprecia

120% appreciation? Sounds fishy. What metric are the two of you going by? Sure the house may be valued that much more, but what kind of renovations took place to make that happen? If the house was bought for $200k and then $150k was done in renovations the ROI is not going to be as high if he did z...
by NateH
Mon Apr 27, 2015 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 7111

Re: Feel like I made a mistake with buying a house: apprecia

Until today, I've never seen chasing returns extended to the residential real estate market. There are no dumb questions. OP - if you look up "chasing returns" in the search box, this is essentially what you are asking. There is nothing wrong with your home purchase unless it does not suit...
by NateH
Tue Apr 21, 2015 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 185
Views: 13298

Re: engineers - please help with engineering school selectio

I'm totally biased, but SKI-U-MAH! (University of Minnesota BME '97) The intern and co-op opportunities with the local companies are abundant. While U of MN engineers are not always 'famous' nationally, the U of M - college of Engineering, specifically - has a lot of influence in the region. 3M, Med...
by NateH
Tue Apr 21, 2015 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 13712

Re: How much do you pay in Property Taxes?

Ours is 7100 in a Twin Cities, MN suburb.
~1.0% of the appraised value.
by NateH
Sun Apr 19, 2015 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable offer on this home?
Replies: 7
Views: 1172

Re: What is a reasonable offer on this home?

It is extremely difficult to expect people on the internet to come up with a fair offer on very very very limited information. +1 A good buyers agent will help you find a winner by showing multiple properties within the same price range. Although they try, County assessments are not good predictors...
by NateH
Sun Apr 19, 2015 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 3451

Re: [Who is Ameriprise? Got invitation from a financial advi

Go meet your neighbors and ask your new neighbor if he could recommend a CFP to do fee-for service based financial advising. you will quickly learn his intentions. We meet with an Ameriprise financial person 2X per year on a fee-based arrangement. she's pretty good with budget, financial planning an...
by NateH
Wed Apr 15, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 4176

Re: How much should a small tile floor (3' X 5') cost? $2000

Sounds like the plumber just wants someone else to do the demolition and re-lay subfloor. These are not difficult, but they are very physical jobs. A couple of eager teenagers could do demo for few hundred bucks if you got a small dumpster and rented the demo hammer. A handy-man service would be che...
by NateH
Mon Apr 13, 2015 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Engineering as a career for a graduating HS student ?
Replies: 60
Views: 5295

Re: Engineering as a career for a graduating HS student ?

Mechanical Engineer here from a Big Ten engineering school. ME is more general and adaptable than some of the 'specialty' degrees like bio-engineering. I work for a large company in the Medical Device industry (yes, you've heard of it) and we actively search for MEs over BioEng's even though we are ...
by NateH
Mon Apr 13, 2015 9:33 am
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 18590

Re: The $1 Million Goal: Source of Motivation or Discouragem

Arguably, the vast majority of Americans will never reach a $1 million portfolio. I for one have far less than that and am living well in retirement. Was watching CBS news this morning and an 'expert' again mentioned the $1 million needed for retirement, and the host incredulously fired back "...
by NateH
Mon Mar 16, 2015 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: I bought [United States Oil ETF (USO) by mistake]
Replies: 13
Views: 1964

Re: I bought [United States Oil ETF (USO) by mistake]

I bought it at 17$ and it is now just under water. Depends on how much you paid for the stock. I too bought some USO and have found it is quite volatile. I set a sell point and re-buy when it drops. I've made some good money doing this. As long as you didn't pay a ridiculously high amount for the E...
by NateH
Wed Mar 11, 2015 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund allocation
Replies: 16
Views: 1876

Re: Emergency fund allocation

My Emergency fund is 75% TSM and 25% muni bonds in my taxable account.
if i need to sell, i will rebalance with assets in my IRAs

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