Search found 334 matches

by financial.freedom
Fri Apr 21, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 31
Views: 2549

Re: Washer/dryer suggestions?

Thank you for all of the replies!

I was able to fix our top-load washer that was leaking. The Speed Queen washer is expensive, but I think worth it. So decided to use our current washer/dryer for another year and budget for SQ next year.

Thank you again!
by financial.freedom
Fri Apr 21, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Best surface for garage, epoxy, polished concrete, something else?
Replies: 24
Views: 3159

Re: Best surface for garage, epoxy, polished concrete, something else?

Thank you for all of the replies! I found a company that will remove the current paint that is chipping, grind/prep cement, seal cracks, epoxy, and put a polyurethane coating over the top for $4 per square foot. Someone mentioned cosmesis above. Sure, that's part of it. But also, family is tracking ...
by financial.freedom
Thu Apr 20, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Best surface for garage, epoxy, polished concrete, something else?
Replies: 24
Views: 3159

Best surface for garage, epoxy, polished concrete, something else?

Our garage floor was painted over. After only 2 years, a lot of the paint has chipped off and is exposing cracks in the concrete. We are thinking of having the cracks sealed and epoxy professional surfacing. I've also seen polished concrete that looks nice but might be slippery. Any suggestions for ...
by financial.freedom
Fri Apr 14, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 31
Views: 2549

Washer/dryer suggestions?

Our top-load washer shakes so much that it cannot handle more than one or two towels, even if they are evenly distributed. Last night, it shook so much that by the time we stopped it, there was a crack in the water line and it leaked all over the floor. Our dryer is getting pretty old as well and de...
by financial.freedom
Sat Apr 01, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with credit card identity theft?
Replies: 22
Views: 1978

Re: How to deal with credit card identity theft?

More bad news: this morning I had a fraud alert from Citibank (a different bank) that someone had used my double cash Citi credit card. They attempted three purchases, only one went through and was on Apple Itunes. Citibank said I will not be charged and is sending me a new credit card in the mail. ...
by financial.freedom
Fri Mar 31, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with credit card identity theft?
Replies: 22
Views: 1978

Re: How to deal with credit card identity theft?

The same thing happened to me last fall--and we had no account with Chase. I called them upon receiving their letter; they closed the account and noted the activity; apparently they contacted the credit agencies as well. I haven't even thought about it since then, except when I opened a Chase Card ...
by financial.freedom
Fri Mar 31, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with credit card identity theft?
Replies: 22
Views: 1978

Re: How to deal with credit card identity theft?

Thank you for the replies. Apparently, Chase recognized it because the scammer tried having the new credit card mailed to a different address than my home address. I placed a 90-day fraud alert at TransUnion, and they confirmed that it will be across the three (experian, equifax included). I checked...
by financial.freedom
Fri Mar 31, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with credit card identity theft?
Replies: 22
Views: 1978

How to deal with credit card identity theft?

Chase called me and said that someone used my name, address, telephone number, and social security number to apply for a credit card. I told them I did not apply for the card, so they placed a "fraud alert" on my file at Chase. Then I called TransUnion and had them place a 90-day fraud ale...
by financial.freedom
Sun Feb 26, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Critique of My Portfolio
Replies: 9
Views: 1033

Re: Requesting Critique of My Portfolio

PS -- just keep it simple in your other accounts. If your AA fits with VG TD 2050 and the same glide path, then pick that and leave it in each account (Roth IRA, 401k). Set it, forget it. Then focus on the account that most of your money is going into -- taxable. In taxable, do 3-fund with TSM, TIS...
by financial.freedom
Sun Feb 26, 2017 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Critique of My Portfolio
Replies: 9
Views: 1033

Re: Requesting Critique of My Portfolio

[*]I have 155k sitting in various saving / checking accounts. I’d like to consolidate this into a Vanguard account and roll this into my savings portfolio. What account should I create, or use? Taxable. [*]I am maxing out my 401k contributions this year. Should I also open up non-deductible traditio...
by financial.freedom
Mon Feb 20, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1979

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Love my sonos. We have 2 portable sonos speakers. Can take them outside or move them around to different rooms We have no additional amplifiers or any installed wiring I am no audiophile so this may not be sophisticated enough for others. Way way less than 3.5k But i have friends who have easily sp...
by financial.freedom
Mon Feb 20, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1979

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Seems like their terminology is old. Sonons has a connect and connect amp that serve to tie in wired speakers to their wireless sonos network they will create. Also, whY are they selling you an $700 amp and the sonos connect amp to power the wired speakers? Maybe they havent explained it in detail ...
by financial.freedom
Mon Feb 20, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1979

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

At Best Buy, we received an estimate for Sonos WiFi speaker system for our living room and outdoor areas as follows: 1. 3 living room speakers in the ceiling (Visual Performance VP42R) @ 174.99 each 2. 2 outdoor speakers (AW6500WHI) @ 249.99 each 3. Amplifier -- Sonance Sonamp2-100 (SONAMP2100) 699...
by financial.freedom
Mon Feb 20, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1979

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Sonos speakers and components are priced the same online and in stores, so there's not any wiggle room. There are several other brands you can check out including Yamaha MusicCast and Denon Heos. We are building a new home and decided on the Yamaha system because it offers more flexibility since yo...
by financial.freedom
Mon Feb 20, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1979

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Have you considered just buying a handful of Sonos Play1's first, before going through the complication of in-ceiling speakers and separate amps? The Play 1 can handle humidity fine, I leave mine permanently mounted outside, but under a covered porch. Thank you for the reply. That may be an option ...
by financial.freedom
Mon Feb 20, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1979

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Best Buy is likely overpriced compared to a small business that does the same thing. I would check Angies List or something similar, show them BB's quote, and see what they say. If the product is something you are comfortable shopping around for and the vendor is willing to use your product, I reco...
by financial.freedom
Mon Feb 20, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1979

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Seems like their terminology is old. Sonons has a connect and connect amp that serve to tie in wired speakers to their wireless sonos network they will create. Also, whY are they selling you an $700 amp and the sonos connect amp to power the wired speakers? Maybe they havent explained it in detail ...
by financial.freedom
Mon Feb 20, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1979

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Thank you for the reply. My answers below in blue font. This seems a little overpriced for 3 indoor ceiling speakers and 2 outdoor speakers on WiFi Maybe I'm misunderstanding, but what about the system is "wifi"? I don't have a great understanding about sound systems. But the Sonos device...
by financial.freedom
Mon Feb 20, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1979

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

The Sonos part really seems expensive considering you can get, what, Chromecast Audio dongles for $35 each (or maybe even a little less if you look around), which streams over Wi-Fi and supports multi-room, to add the functionality to any dumb speaker set. And does labor really cost that much? If y...
by financial.freedom
Sun Feb 19, 2017 11:46 pm
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1979

Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

At Best Buy, we received an estimate for Sonos WiFi speaker system for our living room and outdoor areas as follows: 1. 3 living room speakers in the ceiling (Visual Performance VP42R) @ 174.99 each 2. 2 outdoor speakers (AW6500WHI) @ 249.99 each 3. Amplifier -- Sonance Sonamp2-100 (SONAMP2100) 699....
by financial.freedom
Sat Feb 18, 2017 1:02 am
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to have 100% in the stock market?
Replies: 58
Views: 6893

Re: Is it reasonable to have 100% in the stock market?

Just my thoughts... 1. I wouldn't be more aggressive than 80/20. As others have mentioned, it will decrease volatility, allow you to buy stocks at a bargain as the market declines (rebalancing) and will not adversely affect returns that much compared with 100/0. 2. Just keep it simple and pick a Tar...
by financial.freedom
Fri Feb 17, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: Beat the market long-term? Yes, it can be done.
Replies: 133
Views: 3253

Re: Beat the market long-term? Yes, it can be done.

If you are willing to hold a portfolio with more risk than "the market" you CAN beat it over long term. I did it for 11 years. It's a heck of a roller coaster however. They state their outperformance on an "assest-weighted" basis. If the weighting of assets is the same, I think ...
by financial.freedom
Fri Feb 17, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: Beat the market long-term? Yes, it can be done.
Replies: 133
Views: 3253

Beat the market long-term? Yes, it can be done.

From Vanguard: m From the article: Between 1985 and 2014, Vanguard active funds, on an asset-weighted basis, have delivered about 0.45% in outperformance, net of fees.1 That may seem insignificant, but a small return advantage compounded over 30 years, can amount to a meaningfully higher-ending port...
by financial.freedom
Fri Feb 03, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Stress & The Mind/ Brain & Sleep & Behavior Modfication
Replies: 19
Views: 2305

Re: Stress & The Mind/ Brain & Sleep & Behavior Modfication

Assuming you don't have anything wrong medically... Exercise helps me. Especially a long run in the morning. Sometimes worrying about sleep can be even more frustrating than simply just not sleeping. Sometimes I can't fall asleep, but rather than stress about not sleeping I go and read a book or cat...
by financial.freedom
Thu Feb 02, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

If I say no, it may be frowned upon by my boss or others in the group. It seems they need coverage at this center and I should negotiate, but if I'm already told no by the head of our group, then attempts at negotiating an increase in pay may backfire. As an aside, I am already the lowest paid in t...
by financial.freedom
Thu Feb 02, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

OP: What are the metrics upon which your organizational compensation is based? Are you sure you are not being adequately compensated given those metrics? If the compensation committee looks at you, do they see a performer at the median, or are you a standard deviation below the mean? Perhaps taking...
by financial.freedom
Thu Feb 02, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

Thank you for all of the replies! I'm leaning toward keeping quiet for now until they bring it up again. When it is brought up again, I will politely tell them that I am not interested. If they then tell me I have to do it, I will tell them that it is not in my contract however if they give me a ne...
by financial.freedom
Thu Feb 02, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

OP: What are the metrics upon which your organizational compensation is based? Are you sure you are not being adequately compensated given those metrics? If the compensation committee looks at you, do they see a performer at the median, or are you a standard deviation below the mean? Perhaps taking...
by financial.freedom
Thu Feb 02, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

There was no additional pay, just extra work. We were told it wouldn't be that much extra work, but turns out that it's enough to justify one full-time employee. Instead of increasing our pay or hiring another employee, we just had to absorb the extra work. This sounds like the company I work for a...
by financial.freedom
Thu Feb 02, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

I have 3 hours a day min of commuting. Not too sympathetic to the "10-15 min extra commute time". Sounds like a petty complaint unless you already have a very long commute. Do what you can tolerate in terms of hours and locations, based on your ability and personal circumstances. But it s...
by financial.freedom
Wed Feb 01, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

I am not clear. If you made partner, you should have access to the books as to what profits are made and how they are distributed. If you do not, I would suggest you test the waters. I would assume that as a partner you do not have a non compete. PS - I DO have a non-compete, but think it is not re...
by financial.freedom
Wed Feb 01, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

inbox788 wrote:No, I wouldn't without more clarity.


I like the word clarity. I also thought that maybe I could request them to put the details of the new center into my contract, and then that could open up the conversation for contract negotiations and possible pay increase.
by financial.freedom
Wed Feb 01, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

I am not clear. If you made partner, you should have access to the books as to what profits are made and how they are distributed. If you do not, I would suggest you test the waters. I would assume that as a partner you do not have a non compete. They call it "shareholder" instead of part...
by financial.freedom
Wed Feb 01, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

livesoft wrote:Do you believe that you are paid what you are worth? Or are you already underpaid? How do you know?


Based on percentiles (comparing revenue and pay), I am a little underpaid. The other partners are paid more but I do not know the details.
by financial.freedom
Wed Feb 01, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

We were in a completely different field (software development), so I don't know if the results would be the same. DW and I never turned down opportunities to be more valuable. It worked out well for me, and fabulously for her. The money always showed up, with interest. Your field might be different...
by financial.freedom
Wed Feb 01, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

That revenue is going somewhere, it's not just disappearing into thin air. Either it will be swallowed up by increased overhead at the new site or it will go to line someone's pocket. The same was true with the previous acquisition as well. How clear are the books at your group? In the short term, ...
by financial.freedom
Wed Feb 01, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Re: Should I say YES or NO to this new job responsibility?

Can you say no? Some of these situations, yes or no is not really an option. The work is coming to someone. Instead of saying yes or no, perhaps open a dialog dealing with what your priorities are and what your day will look like. Can you delegate some of your current tasks to make room for new tas...
by financial.freedom
Wed Feb 01, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4251

Should I say YES or NO to this new job responsibility?

I'm in the medical field and our group is being asked to cover another center. The head of the group initially said there would be additional pay since this is additional work. However, it was later announced that the new medical center only needs some of the members of our group and there would be ...
by financial.freedom
Mon Jan 23, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2528

Re: Anyone file "decline in value" for property taxes? Advice?

Thank you for all of the great replies! Yes, I am appealing for a "decline in value" instead of lowering the base value. I understand now that the base value for Prop 13 purposes will remain the same, a decline in value would only be temporary, and if the County increases valuation for tax...
by financial.freedom
Sun Jan 22, 2017 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2528

Re: Anyone file "decline in value" for property taxes? Advice?

When did you buy your property and for how much? About a year ago for 1.55 M What is your current assessed value? 1.58M What do you estimate the current market value of your home? 1.5M (80k less than their assessment) I have protested my taxes in CA twice (N. San Diego County) during the recession....
by financial.freedom
Sat Jan 21, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2528

Re: Anyone file "decline in value" for property taxes? Advice?

Our county lists the properties that they themselves used as comps. So I researched those properties and went to the appeal with information and photos (thanks, Google satellite view!) that tried to support my claim that each of them in some way were better than mine. One had the same size lot but ...
by financial.freedom
Sat Jan 21, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2528

Re: Anyone file "decline in value" for property taxes? Advice?

The key to using comparable sales is to find historical ones that are shortly before or after the "as of" date for the property valuation appraisal. The board doesn't really care about what's happened since the "as of" date of the property valuation. I don't think they care abou...
by financial.freedom
Sat Jan 21, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2528

Re: Anyone file "decline in value" for property taxes? Advice?

Nate79 wrote:I don't think you would be taken seriously to think your house value decreased 0.5% using Zillow data. If you haven't compared comps you haven't even started to establish the value of your house.


Sorry, let me clarify -- I only used Zillow, Redfin, etc. to find the recent sales. Will edit my post.
by financial.freedom
Sat Jan 21, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2528

Re: Anyone file "decline in value" for property taxes? Advice?

OP, where are you located? I once appealed a property tax assessment, but I had just had appraisal done for a refinance, so I used that to state my case. I won pretty easily. Also, I am a CPA, so I have some experience with property tax law. If your case is that in general, values are declining in ...
by financial.freedom
Sat Jan 21, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2528

Re: Anyone file "decline in value" for property taxes? Advice?

When did you buy your property and for how much? About a year ago for 1.55 M What is your current assessed value? 1.58M What do you estimate the current market value of your home? 1.5M (80k less than their assessment) I have protested my taxes in CA twice (N. San Diego County) during the recession....
by financial.freedom
Sat Jan 21, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2528

Anyone file "decline in value" for property taxes? Advice?

Our property taxes increased this year by 2% however the value (as best I can tell, it is a little subjective) declined about 0.5%. I filled out an application to appeal for a decline in value here: m My hearing is scheduled in a few weeks. At the hearing, they can keep property tax the same, decrea...
by financial.freedom
Fri Jan 13, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k for self-employed spouse?
Replies: 12
Views: 824

Re: Solo 401k for self-employed spouse?

I'm curious which company you are going with. We've thought about setting up side jobs and doing this in the future, but I think some (maybe VG) did not allow rollovers...
by financial.freedom
Sat Dec 24, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on using Mint (or similar program)
Replies: 0
Views: 285

Thoughts on using Mint (or similar program)

I want to review my spending and budget for the year.

1. Is Mint a good program/is there something better?
2. Is it helpful?
3. Is it safe to give the program my account info?

Any suggestions?

Thank you in advance!
by financial.freedom
Wed Dec 14, 2016 3:29 pm
Forum: Investing - Theory, News & General
Topic: FED Raises Rates - Sky Falls! Bond Prices are UP!
Replies: 34
Views: 7403

Re: FED Raises Rates - Sky Falls! Bond Prices are UP!

What's interesting to me is that folks on this forum state the market has things "priced in." It seemed the rate increase would have been priced in yesterday, yet markets are down today. It's that old maxim: "buy the rumour, sell the news". Plus, the Fed went from projecting 2 r...
by financial.freedom
Wed Dec 14, 2016 3:28 pm
Forum: Investing - Theory, News & General
Topic: FED Raises Rates - Sky Falls! Bond Prices are UP!
Replies: 34
Views: 7403

Re: FED Raises Rates - Sky Falls! Bond Prices are UP!

What's interesting to me is that folks on this forum state the market has things "priced in." It seemed the rate increase would have been priced in yesterday, yet markets are down today. But is that the only factor influencing the market today? No, but isn't it the main factor cited today?