Search found 1176 matches

by Tamales
Wed Jan 17, 2018 11:50 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 81
Views: 7672

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

I read a post by another Boglehead in another thread where he or she mentioned that it's not just knowing whether the market is overvalued, but you also have to know whether the market participants collectively think the market is overvalued. I thought that was a really good explanation of why it's...
by Tamales
Wed Jan 17, 2018 11:24 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 81
Views: 7672

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

There hasn't been a drop of >9% in the SP500 from the most recent high since 2/11/16 (which ended a 13.3% drop from 11/3/15, and that in turn ended a 12.97% rise from 8/25/15). There have been a couple drops since 2/11/16 (such as the ones that ended 6/27/16, 11/4/16, 4/3/17) but none that was more ...
by Tamales
Sun Jan 14, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Synchrony Bank EWP change history (for CDs)
Replies: 1
Views: 300

Synchrony Bank EWP change history (for CDs)

Does anyone have the Early Withdrawal Penalty change history (including dates of changes) for CD's (60 month in particular) at Synchrony bank. I know some of my older CDs with them have less strict penalties, but it doesn't seem you can look up what penalty language was in effect when the various CD...
by Tamales
Sun Jan 07, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Excel question: opening 2 copies of same spreadsheet?
Replies: 4
Views: 546

Re: Excel question: opening 2 copies of same spreadsheet?

Thank you Silk, it looks like that worked.
by Tamales
Sun Jan 07, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Excel question: opening 2 copies of same spreadsheet?
Replies: 4
Views: 546

Excel question: opening 2 copies of same spreadsheet?

Something strange going on, and I'm hoping someone will have some advice. Using windows explorer, I have a particular spreadsheet I'm opening. It has a unique file name with an xlsx extension, but when I double-click it, it opens 2 copies (an xlsx1 and xlsx2). If I close either one, it closes both. ...
by Tamales
Sat Dec 30, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: When do true-up employer 401k contributions occur?
Replies: 14
Views: 729

Re: When do true-up employer 401k contributions occur?

I wonder why employers (who are always looking to simplify accounting and payroll) don't just do a single lump contribution by Q1 of the following year, and nothing else during the year. They have to run those final year-end numbers anyway.
by Tamales
Tue Dec 26, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Tax reform: Muni bond fund impact (question on bond categories, not on whether munis make tax sense)
Replies: 3
Views: 757

Re: Tax reform: Muni bond fund impact (question on bond categories, not on whether munis make tax sense)

Thanks Grabiner. I have a state-specific fund which holds ~25% advance refunded (2nd largest sector it holds, behind GO). I suppose the fund managers will put out a note about how their strategy will change and the impact on the fund. I don't suppose it's something that requires immediate action on ...
by Tamales
Sun Dec 24, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Tax reform: Muni bond fund impact (question on bond categories, not on whether munis make tax sense)
Replies: 3
Views: 757

Tax reform: Muni bond fund impact (question on bond categories, not on whether munis make tax sense)

My question is on whether to reconsider my choices of particular muni bond funds, since there were some changes in the new tax law that affect different categories of bonds. Here's a summary of what I could find in the conference committee report: Bond reforms are described beginning on pdf pg 830 (...
by Tamales
Sun Dec 24, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Investment Implications of the Tax Bill - Morningstar on FIFO, etc.
Replies: 11
Views: 1261

Re: Investment Implications of the Tax Bill - Morningstar on FIFO, etc.

Thanks for that link t-top. I wasn't aware there was an initial exclusion for "regulated investment companies." One might be tempted to think this provision and the convenient exclusion came from regulated investment company lobbyists. But that how the sausage-making works, like it or not.
by Tamales
Sun Dec 24, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Investment Implications of the Tax Bill - Morningstar on FIFO, etc.
Replies: 11
Views: 1261

Re: Investment Implications of the Tax Bill - Morningstar on FIFO, etc.

A technicality, but I don't think that M-star article is correct (re: FIFO) in saying, "Fortunately, Congress came to its senses when reconciling the House and Senate versions of the bill." I don't think that FIFO provision made it into either the House or Senate final versions taken up by the confe...
by Tamales
Sat Dec 23, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for month of the year to retire
Replies: 33
Views: 2520

Re: Strategy for month of the year to retire

Collected another RSU grant and cashed in all the others because I was eligible for accelerated vesting. That must have been a pretty large increase in federal and state income tax, getting 4(?) years of RSUs vesting all at once (it could bump you 1 or 2 tax brackets depending on value). You would ...
by Tamales
Fri Dec 22, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for month of the year to retire
Replies: 33
Views: 2520

Strategy for month of the year to retire

If you are retired, or soon will be, what factors went into whether to retire say in Q1 as opposed to later in the year like Q4? For example, specific aspects of taxes or retirement medical coverage or 401k contributions. I realize there could be some company-specific things, but please include thos...
by Tamales
Thu Dec 21, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 124
Views: 12248

Re: Confusion about prepaying property taxes

The people participating in this thread seem to already know that pre-paying their 2018 property taxes before 12/31/17 has a tax advantage. Can someone please explain the necessary pre-conditions for someone to be looking into whether they can pre-pay 2018 property tax (ignoring whether it's allowed...
by Tamales
Thu Dec 21, 2017 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48894

Re: Tax Bill Omnibus Thread

It would be good to keep track of your payroll withholding in 2018 to make sure that will qualify for the "safe harbour" withholding rules so you don't have to pay a penalty if there is not enough withheld from your paycheck. I was thinking about that also, but they can't possibly enforce that, giv...
by Tamales
Wed Dec 20, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48894

Re: Tax Bill Omnibus Thread

On muni bonds, at one point there was talk of adding a provision that would have penalized advance refunded bonds, so muni funds that included a lot of that class would be affected. Does anyone know whether this, or any other provision that might impact one's choice of muni bond fund, made it in the...
by Tamales
Wed Dec 06, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 6009

Re: Mortgage as percentage of take-home pay

This seems to follow the mindset of buying a car based on minimizing the monthly payment. You can tweak loan parameters to get any answer you want, but to what end? Think long term not short term. Is it better to be at 10% of THP for 30 years or 30% of THP for 10 years? There could be legitimate rea...
by Tamales
Fri Nov 24, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: iPhone 6s vs Galaxy S7 ?
Replies: 1
Views: 224

iPhone 6s vs Galaxy S7 ?

I don't upgrade very often, so this comparison of a 6S vs the S7 would be an upgrade for me. I've never used an Apple device of any kind, but I'm considering making the move to a 6S to see whether it's worthwhile. Either way, I'd most likely buy the device up-front. Since these 2 devices are roughly...
by Tamales
Wed Nov 22, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 6031

Re: Uber for someone who knows only taxis

On top of the just-announced hack of Uber that involved 57 million of its users (and the associated cover-up that Uber tried to hide for over a year), another Uber news item from yesterday is that Uber permitted unqualified drivers (e.g. felons) to drive, and is being fined ~$9M by Colorado. It's ha...
by Tamales
Tue Nov 21, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Microsoft account security alert email.....real or fake??
Replies: 15
Views: 927

Re: Microsoft account security alert email.....real or fake??

If you hover over the "recover account" link but DON'T click it, it will probably show a url (it will display in the lower left corner of the browser window when you hover over it; not sure how you do this if you're on a mobile device) that is clearly not from microsoft (although they probably dropp...
by Tamales
Sun Nov 19, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Want to build dream workshop/garage, but don't know how to start
Replies: 50
Views: 3270

Re: Want to build dream workshop/garage, but don't know how to start

There's a TV show called Rough Cut, and an entire season was devoted to multiple episodes where the host built a new shop.
It looks like all the episodes are available online: http://tommymac.us/rough-cut-woodworkin ... season-07/
by Tamales
Sat Nov 18, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 9195

Re: Tesla truck unveil

A fully-loaded semi that can do 0-60 in 5 seconds? That sounds potentially dangerous given the size, and potential cargo shifting. And what about when the truck is empty and you have a hot-head boy-racer driver? No driver has experience controlling that combination of power weight and size in an 18-...
by Tamales
Sat Nov 11, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 44
Views: 5585

Re: Anyone used Zelle?

I found the answer to (one of) my question(s) on whether you have to use a smartphone (I found it via their cumbersome multi-layer FAQ): Can I access Zelle® to send or receive money without a smartphone? If your bank or credit union offers Zelle, you may use their online banking site to send and rec...
by Tamales
Sat Nov 11, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 44
Views: 5585

Re: Anyone used Zelle?

Is Zelle limited to transactions initiated from an app downloaded to a smartphone, or can you do it from a desktop PC?

Seems like a silly limitation, but it does seem to be one of its limitations.
by Tamales
Fri Nov 10, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5338

Re: what pickup truck

If you plan to park it in a garage, be sure to check out the overall length of full size trucks (they are much larger than what was sold as a full size truck say 15 years ago), versus the layout of your garage. There may not be enough room to walk past them (which may or may not matter depending on ...
by Tamales
Tue Oct 24, 2017 9:19 pm
Forum: Investing - Theory, News & General
Topic: Wade Pfau’s new book: How Much Can I Spend in Retirement?
Replies: 51
Views: 12810

Re: Wade Pfau’s new book: How Much Can I Spend in Retirement?

TravelGeek wrote:
Sun Oct 22, 2017 4:16 pm
Because Amazon is currently running a pricing special of $25.98 on the paperback version, it's actually cheaper for you to order it this way and then download the free Kindle version, rather than just ordering the Kindle book directly.
Well that didn't last long. Now $36.
by Tamales
Sat Oct 21, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 6270

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

Perhaps this info would make the other info they have about you more valuable to sell to others (and be valuable itself). Why not just ask? Of course this is the reason they want this info. They aren't going to tell you that if you ask, and there's no penalty or enforcement for them lying about it....
by Tamales
Wed Oct 11, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP with Walmart (associate stock purchase plan)
Replies: 8
Views: 816

Re: ESPP with Walmart (associate stock purchase plan)

Seems like way too much work just to get a paltry 270/12= $22.50 per month as a "bonus."
Personally, I'd pass.
by Tamales
Tue Oct 10, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 3119

Re: Garage door opener on last leg

Thanks nickjoy. Since my rollers were >20 yrs old, I ordered some nylon sealed 13-bearing rollers ($14 for all 10 so I figured, why not), and found this video on replacing them: https://www.youtube.com/watch?v=VlajnxXjSNQ I didn't do it quite as quickly as the guy in the video, but I think replacing...
by Tamales
Tue Oct 10, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2468

Re: When to buy new tires? - penny or quarter test

For those who put low annual mileage on tires, the age of tires can be a safety issue - even if there is more than sufficient tread life left. OK, I'll cut you some slack since you said "can" be an issue. There is no scientific proof that age alone is a safety factor. Congress commissioned studies ...
by Tamales
Sun Oct 08, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1542

Re: what if I forget my security questions?

I've forgotten my security questions, so I call them up and they reset everything for me. It is really that easy. Then they send a letter to my address and tell me that they had someone call them up. I didn't try to change my address or anything, so I guess that's why they complied. Hmmm. That is s...
by Tamales
Fri Oct 06, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 3119

Re: Garage door opener on last leg

I used to install garage doors, openers, entry doors, everything. Commercially and Residentially. My father owned a business from 1986 til about 4 years ago when he sold it for cost to my uncle who was working with him for 26 years. ... Sorry for the book. If you have any questions, let me know. Th...
by Tamales
Thu Oct 05, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 3119

Garage door opener on last leg

My garage door opener (a Chamberlin chain drive, a bit over 20 years old) is on its last leg. Or, just past its last leg actually. Need to replace fairly quickly. As I have not looked at openers in over 20 years, I have no idea what to look for, or if there are some must-have new features in new ope...
by Tamales
Wed Sep 20, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 4952

Re: Grass trimmer

I use a Stihl corded electric (abandoned previous gas Echo due to issues with pump gas, before I learned the TruFuel trick). It works fine and line reload is easy enough, but the cord has turned out to be more of a pain than I imagined. I'm probably going to get an EGO 56V once they go on sale at Ho...
by Tamales
Tue Sep 12, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 8402

Re: Best Lower Cost USA Cities to Live

Broad-brush averages/medians for housing prices in large metro areas can really mislead. They all have ranges. Sometimes very wide ranges. A tool like the Trulia heat map of housing cost per square foot can give a more granular breakdown of various suburbs. for example in the case of Denver: https:/...
by Tamales
Tue Sep 12, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: NHTSA issues new report on self-driving car manufacturer responsibilities
Replies: 3
Views: 474

Re: NHTSA issues new report on self-driving car manufacturer responsibilities

This is the final guidance, not a proposal. If you drive on public roads, or are considering a new vehicle purchase, it affects you. There's no reason it has to be a political discussion. Just stay away from commenting on any perceived political motivation for this outcome, and focus on the actual o...
by Tamales
Tue Sep 12, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: NHTSA issues new report on self-driving car manufacturer responsibilities
Replies: 3
Views: 474

NHTSA issues new report on self-driving car manufacturer responsibilities

NHTSA's new guidelines: https://www.nhtsa.gov/sites/nhtsa.dot.gov/files/documents/13069a-ads2.0_090617_v9a_tag.pdf (spoiler alert: purely voluntary) Curiously, a Google news search only brings up the positive stories. Plenty of those types of coverage available. But you have to dig a bit deeper for ...
by Tamales
Mon Sep 11, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54458

Re: Equifax customer information leak

Article: " Forget Equifax. Facebook and Google Have the Data That Should Worry You " https://www.bloomberg.com/news/articles/2017-09-11/forget-equifax-facebook-and-google-have-the-data-that-should-worry-you I'm not buying it - don't believe Facebook or Google have my SSN/DOB/DL/Address all in one p...
by Tamales
Mon Sep 11, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54458

Re: Equifax customer information leak

Article: "Forget Equifax. Facebook and Google Have the Data That Should Worry You"

https://www.bloomberg.com/news/articles ... -worry-you
by Tamales
Sun Sep 10, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security bend points/early retirement estimates
Replies: 17
Views: 3143

Re: Social Security bend points/early retirement estimates

Are there any explanations why my manually calculated PIA benefit is about $200.00 higher than the amount stated on my SS statement? A $200/month difference is a pretty big difference, so I would suspect there must be an error in your manual calculation. Can't say much more than that without knowin...
by Tamales
Tue Sep 05, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 4167

Re: How do you track expenses ?

Like several others, I created a custom Excel Table, and then created pivot tables from that. How do you import transactions from accounts into the table with ease? I haven't bothered to try and see if there's a way to do that because there is zero chance the data I'd be importing from various acco...
by Tamales
Tue Sep 05, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 4167

Re: How do you track expenses ?

Like several others, I created a custom Excel Table, and then created pivot tables from that. With the pivot tables, you have great flexibility in looking at any desired subset of expense categories, over any user-selected timeframe, and various ways to filter the data. The flexibility is important ...
by Tamales
Thu Aug 31, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Christine Benz: "75 Must-Know Statistics About Long-Term Care"
Replies: 24
Views: 4063

Re: Christine Benz: "75 Must-Know Statistics About Long-Term Care"

Thanks for posting this. I really appreciate when articles like this give links to the sources for all the stats they are presenting. Life is really a series of decisions requiring use of probability and statistics, isn't it? I wonder how long-term care insurance would stack up if included in a char...
by Tamales
Wed Aug 30, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9981

Re: Living Expenses - what's "reasonable"?

Don't know if it has been mentioned yet, but BLS.gov has boatloads of living expenses data broken down in every imaginable way, including expenses specifically for retired people as one category. One of their tables I have saved is Table 1904, from the 2015 Consumer expenditures survey. Normally I c...
by Tamales
Sun Aug 27, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Amazon "subscribe and save"
Replies: 20
Views: 1659

Amazon "subscribe and save"

An item I buy from Amazon every 3-5 month (but not on a predictable timetable) is apparently no longer available except via "subscribe and save." That seems kind of silly, only allowing purchase via subscribe and save. Must be some new model they are trying out. In the past there was always the opti...
by Tamales
Wed Aug 23, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 15258

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

It seems to me that DoctorE's post with cfiresim results (assuming all data entry was correct) shows all you need to see about whether Mr Bengen's claims hold up under actual market history.
by Tamales
Tue Aug 22, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Please post any good eclipse video links
Replies: 4
Views: 550

Re: Please post any good eclipse video links

This is pretty cool, showing the International Space Station streaking past the sun during the eclipse. https://www.flickr.com/photos/gsfc/36548067642/ It almost seems too perfect and coincidental, and makes me wonder if it's a doctored image. It must have been quite the camera rig and perfect setti...
by Tamales
Mon Aug 21, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Please post any good eclipse video links
Replies: 4
Views: 550

Please post any good eclipse video links

For those of us who worked today, and who came home to watch very disappointing eclipse coverage by the Science channel saved to DVR, have you come across any good videos posted online? I'd like to see some of the aerial shots, ground telescope shots, and there was suppose to be a cross-country chai...
by Tamales
Mon Aug 21, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 5998

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

With a limited and fairly low maximum number of characters (which applies to many passwords), requiring numbers, lower and upper letters, and special characters does make sense from a probability standpoint.
by Tamales
Sun Aug 20, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing a vehicle
Replies: 22
Views: 3560

Re: Leasing a vehicle

RosieQ wrote:
Fri Aug 18, 2017 4:35 pm
The key is not being totally set on a particular vehicle.
Cited without comment. Because I don't even know how to respond to that as a key part of your strategy.
by Tamales
Sat Aug 19, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 17815

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/...