Search found 1127 matches

by Tamales
Sat Aug 19, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 82
Views: 4974

Re: Jobs that pay over $100,000

I'm thinking it would be good to add a couple extra conditions to the question: Jobs that pay over $100k within the first 5 years in an average COL area AND Jobs that are unlikely (e.g. less than 10% chance) to be outsourced in the next 10 years AND Jobs that are unlikely to be replaced by computer/...
by Tamales
Sun Aug 13, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 19
Views: 1658

Tub/shower/bath cleaners...your recommended products?

Beyond soap film, which just about any product can remove, what is your recommended product for tough jobs (like mineral deposits)? I used to use this product that I can't find anymore and can't remember the name. If I describe it, hopefully someone will reply with the name and once I see it, I'll r...
by Tamales
Sun Aug 13, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1179

Re: What the best identity theft co.?

I have a couple of these services, provided for free via companies that had a data breach. It seems some credit unions are now offering these things free or at reduced cost. It's not clear to me that they do any good. I get a monthly email from each one saying, no issues seen. One of them allegedly ...
by Tamales
Sat Aug 12, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 45
Views: 4369

Re: What home task(s) are worth learning to do yourself?

Just about anything besides pouring concrete, replacing a tile roof, and replacing carpet in large areas is doable as a DIY project. Even drawing and getting plans approved for a room addition is a doable DIY project if you have some good references (person, book, reference plans). Nearly any smalle...
by Tamales
Thu Aug 10, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: World’s Largest Companies - Revenue vs. Market Cap
Replies: 6
Views: 548

Re: World’s Largest Companies - Revenue vs. Market Cap

Has there ever been a period in recent history (say 30 years?) where the 10 largest by market cap was not dominated by US firms? (I don't know; just asking)
by Tamales
Tue Aug 08, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: Why do graphical comparisons of mutual fund trailing returns change with the length of the time horizon?
Replies: 18
Views: 1276

Re: Why do graphical comparisons of mutual fund trailing returns change with the length of the time horizon?

I think something even better than a "Growth of $10,000" chart would be a "Cost of $100,000" chart. Would love to see that be a clickable option at morningstar (or even better, the default). The right hand endpoint of such a chart would be today's date (or whatever endpoint is selected), with a val...
by Tamales
Sun Aug 06, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 39
Views: 3328

Re: What criteria warrants a need for Living Revocable Trust?

Regardless of the ease of probate question, if you are not married, but for example have several adult kids and/or want one specific trusted person/relative to control the sale of your house and how the proceeds are distributed, without disputes among relatives, or if you have a particular primary/s...
by Tamales
Sun Aug 06, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 35
Views: 52475

Re: What to do if someone is using your home address?

Earlier this year I started receiving (postal) mail addressed to my home address but sent to a person I've never heard of. The amount of mail I'm receiving, addressed to this person, has increased lately. Now it could be that someone randomly picked my address and randomly picked that name, for som...
by Tamales
Fri Aug 04, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’
Replies: 24
Views: 2665

Re: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’

Shortly after I heard these Paul Singer comments mentioned on CNBC this morning there was a commercial from Fisher Investments. Their new approach is to shame you away from mutual funds. I don't remember the exact words, but the message was that mutual funds were just training wheels, back when you ...
by Tamales
Mon Jul 31, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 2715

Re: Dinner plates that do not get so hot after microwaving?

Yep, the "microwave safe" label does not mean the plate (or whatever) won't get hot. Some of them get very hot. I thought microwave safe had to do with leaching toxic chemicals but an online search shows the definition is unclear. All sorts of "internet theories" on why plates/mu...
by Tamales
Sat Jul 29, 2017 10:06 pm
Forum: Investing - Theory, News & General
Topic: Why are there RMDs on ROTH 401ks?
Replies: 19
Views: 1972

Re: Why are there RMDs on ROTH 401ks?

And here's a related old thread with some interesting discussion: https://www.bogleheads.org/forum/viewtopic.php?t=76458 Among other things, sscritic suggests that RMDs are applicable to all employer-sponsored plans. If this is a generally accepted and long-standing truth among members of Congress, ...
by Tamales
Sat Jul 29, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Why are there RMDs on ROTH 401ks?
Replies: 19
Views: 1972

Re: Why are there RMDs on ROTH 401ks?

Does anyone happen to know the actual reason (a cite would be extremely valuable to me) that ROTH 401Ks were made subject to RMDs? To be clear I am not looking not discuss politics or theories but looking for the actual reason and not conjecture. ... Any assistance you care to afford in this matter...
by Tamales
Sat Jul 29, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Auto Battery
Replies: 29
Views: 2324

Re: Auto Battery

Apparently many/most modern cars (~2000 and newer) have a relatively significant parasitic current draw to maintain various electronics when the car is idle. Combined with a lot of short trips, the battery doesn't completely recharge and over time it dies earlier than you'd expect. I had been on the...
by Tamales
Fri Jul 28, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate: gross or net?
Replies: 56
Views: 3070

Re: Savings rate: gross or net?

Calculation I use for the dollar amount of savings (e.g. for 2016): [gross wages from 12/31/16 paystub] – [2016 OASDI taxes from 12/31/16 paystub] - [2016 Medicare taxes from 12/31/16 paystub] - [2016 State taxes from 12/31/16 paystub] +[State tax refund (or minus amt owed to state) from state tax f...
by Tamales
Fri Jul 28, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"
Replies: 42
Views: 5023

Re: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"

As a CFP, he must/should be aware that at 0.16% return, he is losing to inflation. 1210 Intent is to consider the impact (volatility reduction and perhaps psychological effects therein) on overall portfolio, not the cash piece in isolation. A cash position used to be a standard,recommended part of ...
by Tamales
Wed Jul 26, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6097

Re: Where to View Total Eclipse? - Kansas City

INTERNET ~ Watch the eclipse from space/earth on August 21st: https://www.nasa.gov/eclipselive [/size] .... Thanks for that link. Here's a link to an interactive map where you can click on a location to get the exact time of peak eclipse: http://www.eclipse2017.org/xavier_redirect.htm From that map...
by Tamales
Wed Jul 26, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6097

Re: Where to View Total Eclipse? - Kansas City

Check out Two Rivers Park - it is on high ground (relatively speaking) and has a fair amount of open space. It is near the airport. Thanks. Any special suggestions several miles north of Nashville, closer to the midpoint? I think north of Hendersonville... for the center? There are only 2+ minutes ...
by Tamales
Wed Jul 26, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6097

Re: Where to View Total Eclipse? - Kansas City

FYI Article: NASA "eclipse jets" to make the total solar eclipse last nearly 3 times as long
http://www.businessinsider.com/total-solar-eclipse-nasa-research-jets-2017-7
by Tamales
Tue Jul 25, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can we create a Wiki entry on ACH transfers?
Replies: 15
Views: 2042

Re: Can we create a Wiki entry on ACH transfers?

Here are a few links to info that might be of value. "ACH debits become eligible for same-day settlement with the implementation of Same Day ACH Phase 2 on Sept. 15, 2017." more info: https://www.nacha.org/news/ach-operations-bulletin-2-2017-same-day-ach-and-debit-processing Financial Inst...
by Tamales
Sun Jul 23, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11343

Re: What's your personal savings rate?

There's no consensus on what should be included because this number isn't really important. Like any of these types of numbers, it depends. Its importance has a time-dependency. Say you are within 5 years of hitting your target portfolio amount for early retirement, and maybe you want to back off y...
by Tamales
Sat Jul 22, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: if spreadsheet with account balances goes to hackers?
Replies: 11
Views: 1073

Re: if spreadsheet with account balances goes to hackers?

Every bit of your personal information has value to someone. Maybe nefarious, maybe just annoyance (and it may not be used until some time in the future, when something about your life changes). If the info is not useful to the first group that gets it, they'll sell it to someone else. Maybe they in...
by Tamales
Wed Jul 19, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 5073

Re: My Costco/TrueCar auto shopping experience

Based on this, I doubt I'd even mess with Costco in the future... A sample of one isn't usually a good way to make decisions. The prices (for the same car in the same zip code) vary over time. That's true of truecar prices too. In fact a given car configuration on a given date can have a huge varia...
by Tamales
Mon Jul 17, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2505

Re: How Much Would You Spend on a Blender?

In addition to steaming hot soup, the vitamix also makes frozen ready to eat ice cream! I'm not into juicing, but if you are, you don't need a separate juicer. I make peanut butter with no additional oil, sugar or salt. Juicing is a different process. What you get out of a blender when you throw in...
by Tamales
Sat Jul 15, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 8841

Re: Personal Finance Milestone: 20 Times Annual Expense

Congrats on being within range of your 25x target. Would you mind providing a little detail on what factors and analysis tools you considered in persuading yourself that 25x expenses was the right number for you? What age are you using as your age at death, and what age do you plan to begin collecti...
by Tamales
Sat Jul 15, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: 50% Cash, 50% Stocks: The Opportunistic Portfolio
Replies: 43
Views: 4277

Re: 50% Cash, 50% Stocks: The Opportunistic Portfolio

The blue line is your 50% cash/50% stocks portfolio, portfolio 1 The red line is 50% Total Bond, 50% stocks, portfolio 2. What is the cash portion represented by? I wish there were a 5 year CD index with long history and represented by 90th percentile 5 yr CD rates in each year, but unfortunately t...
by Tamales
Sat Jul 15, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Panel discussion on HSAs (health savings accounts)
Replies: 0
Views: 221

Panel discussion on HSAs (health savings accounts)

Took place last week. Covers background, pros and cons, what are qualified expenses and what are not, tax implications, statistics on participation, etc., and thoughts about changes.
https://www.c-span.org/video/?430940-1/american-enterprise-institute-discussion-health-savings-accounts
by Tamales
Fri Jul 14, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1575

Re: Security Alarm Pre-Wire in New Construction

glock19, fair enough, and thanks for the added details. One thing you might not be considering, when comparing a DIY/homeowner doing an install, versus alarm installation as a business, is that (let's say all cat-6 for every run) the homeowner is only going to buy one 2000 foot (or whatever) spool. ...
by Tamales
Fri Jul 14, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1575

Re: Security Alarm Pre-Wire in New Construction

I will say that the poster that listed all the issues with DIY wiring is completely wrong. No zoning or programming decisions are normally encountered at the wiring level if "home runs" are used for all devices. It's simply a matter of pulling CAT 6 cable to the location of where the alar...
by Tamales
Thu Jul 13, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1575

Re: Security Alarm Pre-Wire in New Construction

Consider the Elk alarm panel for both CDMA (cell phone) and well as home automation capability: http://www.elkproducts.com/ Elk used to support DIY/homeowner alarm installs, but my understanding is they stopped doing that some years ago and you now have to go through a professional installer to get...
by Tamales
Thu Jul 13, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1575

Re: Security Alarm Pre-Wire in New Construction

7)It's a pity you can't just go over some Saturday before the drywall goes up with a spool of wire and just run the wiring. With all the drywall off it would be an easy job. That's pretty funny! You've obviously never done this. When I had a new construction house by a major national builder many y...
by Tamales
Thu Jul 13, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1575

Re: Security Alarm Pre-Wire in New Construction

whomever wrote:7)It's a pity you can't just go over some Saturday before the drywall goes up with a spool of wire and just run the wiring. With all the drywall off it would be an easy job.


That's pretty funny! You've obviously never done this.
by Tamales
Sun Jul 09, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: FIRECalc like simulator with fixed withdrawals not CPI adjusted
Replies: 5
Views: 528

Re: FIRECalc like simulator with fixed withdrawals not CPI adjusted

cfiresim (see http://www.cfiresim.com/ ) has both a living expenses category (called "spending plan") and an extra expenses category, where you can choose whether or not to adjust for inflation on both of them separately. On the extra expenses you can choose the start and end year. The liv...
by Tamales
Sun Jul 09, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to get (qualify for) a mortgage in retirement.
Replies: 20
Views: 1462

Re: How to get (qualify for) a mortgage in retirement.

Apparently another option is to get a reverse mortgage for the purchase : http://www.kiplinger.com/article/retirement/T037-C000-S004-buy-a-home-with-a-reverse-mortgage.html Stipulations: Must be at least 62 YO like a regular reverse mortgage, and must put 50% down so you have a home equity basis to ...
by Tamales
Sun Jul 09, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody retired and relocated + bought a new house?
Replies: 26
Views: 2593

Re: Anybody retired and relocated + bought a new house?

OP here. Thanks for the thought-provoking comments so far.
by Tamales
Sat Jul 08, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody retired and relocated + bought a new house?
Replies: 26
Views: 2593

Anybody retired and relocated + bought a new house?

Hypothetical plan: retire early, in 5 years, and soon thereafter relocate to a nearby state, but similar cost-of-living city. Buy a house in new city, then after it has closed, relocate there and then put the old house up for sale. Assume the new house costs a comparable amount to what the old house...
by Tamales
Sat Jul 08, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Alternative to Carfax?
Replies: 2
Views: 352

Re: Alternative to Carfax?

Yep, Autocheck is the main one. BTW, Carfax now has a free, VIN-based value estimate: https://www.carfax.com/value/ This is supposed to represent the value based upon the history that they have. A free VIN-based checker, but with more limited info is at iSeeCars: http://www.iseecars.com/vin Another ...
by Tamales
Fri Jul 07, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: What do you use to capture/save web pages for archival purposes?
Replies: 9
Views: 680

Re: What do you use to capture/save web pages for archival purposes?

Thanks James. I've heard of Evernote but never looked into it. They have a pretty sparse home page, but this looks like a cloud-based service, is that correct?

I'd rather stick with an application or browser add-on resident on my hard drive and content stored on my hard drive.
by Tamales
Fri Jul 07, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 3304

Re: What is this cable device?

In general low voltage low current wiring is not considered to be dangerous. The low voltage is isolated via the power transformer, and is low current. All true, but mistakes are made sometimes. Clearly, electrical codes allow the use of these devices and the methods that are used to connect them u...
by Tamales
Fri Jul 07, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: What do you use to capture/save web pages for archival purposes?
Replies: 9
Views: 680

What do you use to capture/save web pages for archival purposes?

It used to be that CTRL+P within the Chrome browser would capture most web page content as a multi-page pdf file with no problem. But it has progressively deteriorated over the past couple years to the point that it rarely works anymore, and you often get a jumble of misaligned text, overlapping tex...
by Tamales
Thu Jul 06, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: What is a Normal Spending Percentage of Take-Home Pay?
Replies: 29
Views: 2522

Re: What is a Normal Spending Percentage of Take-Home Pay?

What is the normal or expected percentage one can expect to spend from their net take home pay? >>Here, you’re asking what post-tax expenses are, divided by take home pay. For example, after you complete your budget and account for all of your expenses, how much free money as a percent of your mont...
by Tamales
Thu Jul 06, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 3304

Re: What is this cable device?

It could be an amplifier, but the way you've described it must not be accurate if that's the case.
by Tamales
Wed Jul 05, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retired, RSUs Vesting and Roth IRA contribution
Replies: 5
Views: 579

Re: Retired, RSUs Vesting and Roth IRA contribution

Interesting scenario. I'm not sure of the answer, but I have a couple questions that I think are relevant. Were you receiving paychecks from the company this year, and will be getting a 2017 W2? Were you subject to accelerated vesting of RSUs this year, regardless of the retirement package? If you d...
by Tamales
Wed Jul 05, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: To shred or not to shred, that is the question
Replies: 17
Views: 1831

Re: To shred or not to shred, that is the question

There are professional shredding services with industrial-sized shredders. You bring them boxes of stuff, and for fairly cheap they shred it. Did this a while back for a deceased person. Remember there may be other people's info in those stacks of paper, even if you don't care about your own. The re...
by Tamales
Tue Jul 04, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is my arithmetic correct? [Calculating asset allocation]
Replies: 3
Views: 314

Re: Is my arithmetic correct? [Calculating asset allocation]

Yep, 80% VOO and 20% VXF seems to track VTI (same as admiral shares version of VTSMX) with very small error. It's within .03% annualized return over the past 5 years. You might want to revisit that ratio every 5 years or so to make sure it still holds, and adjust accordingly. And yes, 52/13 translat...
by Tamales
Tue Jul 04, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6097

Re: Where to View Total Eclipse? - Kansas City

However, if I had some way to do it, I would want to view the eclipse from the air (that was discussed in the show). I wonder if there are excursions being organized for that. I live in Memphis, and plan on flying to a small airport in the zone of totality. Will wait until a couple days before ecli...
by Tamales
Tue Jul 04, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6097

Re: Where to View Total Eclipse? - Kansas City

Go to an area with lots of birds and wildlife. Their reaction is by far the most interesting part of watching the eclipse. There was an interesting show about the upcoming eclipse on C-SPAN a couple weeks ago (lots of interesting discussion and graphics and annimation). Here's a link: https://www.c...
by Tamales
Mon Jul 03, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: People who receive employer 401k contributions, how is it accounted on paystubs?
Replies: 28
Views: 2217

Re: People who receive employer 401k contributions, how is it accounted on paystubs?

OP here. thanks for the replies. Since gross pay is apparently only for employee reference, and it already includes things that aren't included in medicare wages (your medicare wages * may * match your gross pay; it depends), it's odd to me that employers do not include employer 401k contributions i...
by Tamales
Sun Jul 02, 2017 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement withdrawal rates
Replies: 36
Views: 2575

Re: Retirement withdrawal rates

I would think that the continued increases in healthcare costs and associated future uncertainty are significant factors not accounted for in earlier studies that gravitated toward 4%. Or at least that's one of my reason for feeling the need to aim for way lower than 4% (25x expenses in year before ...
by Tamales
Sun Jul 02, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating net annual savings (in dollars). Please review my process.
Replies: 4
Views: 541

Re: Calculating net annual savings (in dollars). Please review my process.

Not quite sure why one would do it... I want to estimate where my "retirement number" will be under a hypothetical early retirement in 5 years, based on my savings level from 2016. I knew my savings level was high, I just didn't have a number for it. If this calculation chain has no issue...
by Tamales
Sun Jul 02, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating net annual savings (in dollars). Please review my process.
Replies: 4
Views: 541

Re: Calculating net annual savings (in dollars). Please review my process.

[gross wages from 12/31/16 paystub] – [2016 OASDI taxes from 12/31/16 paystub] - [2016 Medicare taxes from 12/31/16 paystub] - [2016 State taxes from 12/31/16 paystub] – [2016 Form 1040 line 63 total fed income tax owed] Looks pretty good. Not quite sure why one would do it, but that's not the ques...