Search found 411 matches

by flamesabers
Fri Apr 28, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: What should I do with my money
Replies: 8
Views: 1667

Re: What should I do with my money

I think it would help if you provided more information such as:

*Mortgage rate
*Rate on truck note
*Interest rate on savings account
*What fund(s) is your 401k invested in
by flamesabers
Fri Apr 28, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Contribution from Taxable MF
Replies: 9
Views: 373

Re: Roth Contribution from Taxable MF

Yes, it would be a taxable event. Not worth the price of re-balancing, I guess? In future, should we need to re-balance, I wonder how we can do that without owning a taxable bond fund? (That's assuming we are selling stocks to buy bonds). It may be impossible to do otherwise. I should mention that ...
by flamesabers
Fri Apr 28, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about investing in my Roth 401 vs on my own
Replies: 13
Views: 382

Re: Questions about investing in my Roth 401 vs on my own

I make 130k right now so I cannot contribute to the ira. I was under the assumption that it was always better to contribute to a roth 401 as tax rates are at an all-time low and that I expect to make more in the future. I expect to be making $250k in a year or 2. Here's a rule of thumb on whether t...
by flamesabers
Fri Apr 28, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Contribution from Taxable MF
Replies: 9
Views: 373

Re: Roth Contribution from Taxable MF

Hello.

Your strategy makes sense to me. One potential problem that may arise is if you contribute too much to your taxable accounts for the rest of the year your AA may get out of balance again.
by flamesabers
Fri Apr 28, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about investing in my Roth 401 vs on my own
Replies: 13
Views: 382

Re: Questions about investing in my Roth 401 vs on my own

Hello. Welcome to the forum. :beer Have you considered doing a backdoor Roth? https://www.bogleheads.org/wiki/Backdoor_Roth_IRA Is there a reason you don't want to invest in a 401k index fund that has an expense ratio of 0.01% and closely resembles the VTI? Unless there are hidden fees or something,...
by flamesabers
Fri Apr 28, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

Imaging an AI watching the car behind and telling them with a sign "don't tailgate me" or "you're getting too close" or "you're driving too fast". If it notices you're not looking forward enough, flash some lights or something or honk a horn. Like a backseat driver, bu...
by flamesabers
Fri Apr 28, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: Five year CD paying more than 10 yr. treasury
Replies: 18
Views: 2052

Re: Five year CD paying more than 10 yr. treasury

I noticed a few minutes ago that five year CD's at Schwab are paying 2.35 percent. The ten year treasury bond is quoted at yield of 2. 30 percent. Why would a five year CD pay more than a 10 year treasury? It cant be liquidity alone ( I don't think). Are the CDs callable? That could be another reas...
by flamesabers
Fri Apr 28, 2017 11:33 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 308
Views: 15144

Re: something odd regarding EE bonds

The interest rate risk is not to be underestimated and neither is inflation risk. If inflation averages at the Fed's target then the pre-tax real return of EE bonds would be about 1.5%. People on this board keep trying to compare EE bonds to stocks and other investments. They should only be compare...
by flamesabers
Fri Apr 28, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Just switched to Vanguard and TOTALLY overwhelmed
Replies: 18
Views: 2021

Re: Just switched to Vanguard and TOTALLY overwhelmed

Hello. Welcome to the forum. :beer As for transferring your Roth IRAs, I think the only fee will be the closing fee with Edward Jones. I've never dealt with them firsthand, but I've heard they charge a $95 closing fee. I'm not sure if that's per account or per fund. Unless Vanguard can do a direct e...
by flamesabers
Fri Apr 28, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: Roth IRA's and excess cash...
Replies: 4
Views: 345

Re: Roth IRA's and excess cash...

OP, Since you have the money, I recommend maxing out your IRA contributions right away. The more time your IRA has to accumulate earnings, the better. Generally I think the only reason to hold back on making IRA contributions is if you're uncertain about having enough earned income for the year to h...
by flamesabers
Thu Apr 27, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 31
Views: 3452

Re: USAA 2.5% unlimited Cash back Card - Weird...

I just got approved in about 90 seconds. Been a member for several years but this is my "first" product through USAA. Will probably switch my Auto to them next month. Now I have 90 days to arrange a Direct Deposit or the rewards drop to 1.5%. I'm doing an ACH from my Vanguard Money Market...
by flamesabers
Thu Apr 27, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 31
Views: 3452

Re: USAA 2.5% unlimited Cash back Card - Weird...

I just got approved in about 90 seconds. Been a member for several years but this is my "first" product through USAA. Will probably switch my Auto to them next month. Now I have 90 days to arrange a Direct Deposit or the rewards drop to 1.5%. I'm doing an ACH from my Vanguard Money Market...
by flamesabers
Thu Apr 27, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: High operating expense for bond fund in 401K, what are the options?
Replies: 6
Views: 279

Re: High operating expense for bond fund in 401K, what are the options?

KlangFool wrote:OP,

0.11% is not too bad. So, you should invest in this bond fund.

KlangFool


I agree. The expense ratio for the investors shares of VBTLX is 0.15%, so investing in a different bond fund for 0.11% isn't a horrible expense ratio.
by flamesabers
Thu Apr 27, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 31
Views: 3452

Re: USAA 2.5% unlimited Cash back Card - Weird...

I'm trying again. I've been with USAA for 11 or 12 years and there are some frustrating things with customer service that pop up every now and then, but it's not worth closing out everything. What I found the most frustrating thing was that there was no way that I found to provide feedback to the p...
by flamesabers
Thu Apr 27, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Investing cash short term set aside for roth contributions while in grad school
Replies: 15
Views: 641

Re: Investing cash short term set aside for roth contributions while in grad school

Hello. What interest rate are you getting on your savings account? With a time horizon of only 1-2 years, I don't think you'll have a lot of options to safely invest the money in. Besides savings accounts (which I think the top rates are about 1.05%), you could also invest a portion of your money in...
by flamesabers
Thu Apr 27, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: May not be eligible for Roth, where to save?
Replies: 4
Views: 467

Re: May not be eligible for Roth, where to save?

Unless you already have other traditional IRAs that would complicate a backdoor Roth, I would suggest doing the backdoor Roth now. It'll be one less thing you'll have to worry about when you're doing your taxes next year. Also, doing it now means your backdoor Roth will have more time to accumulate ...
by flamesabers
Thu Apr 27, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Seeking advice: Pay off student loan or ???
Replies: 14
Views: 885

Re: Seeking advice: Pay off student loan or ???

2.125% is incredibly cheap money. From a min-max perspective, you'd be better off paying the minimum and investing in the market, as you should expect a higher return there. From a psychological perspective, however, you might just feel better being debt free. I had a 2.8% student loan and just pai...
by flamesabers
Wed Apr 26, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice: Pay off student loan or ???
Replies: 14
Views: 885

Re: Seeking advice: Pay off student loan or ???

We are maxing out 401k and his/hers Roth IRAs. HSA is not available to us. We do contribute to 529s, but rather conservatively because we get no state tax deduction and don't want to over-fund them. Would rather have the flexibility to use other money for kids' college if needed. We save quite a bi...
by flamesabers
Wed Apr 26, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best strategy for retaining tenants?
Replies: 30
Views: 1954

Re: Best strategy for retaining tenants?

If your tenants haven't voiced any complaints or suggestions for improvements, I would say give them various leasing options to choose from if they want to continue to be your tenant. I've been a renter for about the last five years and my landlord has offered month-to-month renting (w/60 day writte...
by flamesabers
Wed Apr 26, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

What are all these folks going to do for jobs? Having a job will become a rare luxury, which should be music to the ears of the folks who seek retirement, the sooner the better. They will join the displaced stenographers, mail room workers, buggy whip manufacturers, bank tellers, and CSRs. I do fin...
by flamesabers
Wed Apr 26, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Under $99k AGI for 2017, Roth or Traditional IRA
Replies: 5
Views: 365

Re: Under $99k AGI for 2017, Roth or Traditional IRA

If you think you're going to be in a lower tax bracket in retirement then you are now, I think it makes sense to contribute to a traditional IRA, especially since this may be the last year you can make a deductible IRA contribution. If however you think you might eventually earn enough income so tha...
by flamesabers
Wed Apr 26, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

I can't remember the name of the product, but I think it was in the 1990s or early 2000s there was a self-propelled scooter device you would stand on that could take you all over town. The Segway! I thought it referred to this sort of device: https://www.walmart.com/ip/Swagtron-Swagger-1-Collapsibl...
by flamesabers
Tue Apr 25, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

You could say the same thing about transmissions or engines. Do you feel confident enough to trust that your transmission or engine doesn't die driving at 70 mph, hurtling you through the windshield? That's why I wear a seat belt when I drive. Besides, with a manual car I still have control over th...
by flamesabers
Tue Apr 25, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

Bold prediction- 15 years from now majority of cars will be autonomous. It will be safer. Significantly so. Those of you who claim "you can pull my steering wheel out of my cold dead hands"- the costs to continue to drive without automation will make that stance prohibitive. Kids being bo...
by flamesabers
Tue Apr 25, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Appealing a bill
Replies: 18
Views: 1248

Re: Appealing a bill

OP,

For the first visit did the $425 also include the tests the surgeon ordered?

Assuming the visits were coded correctly, I suspect the charges are just flat fees for having a consultation with the surgeon.
by flamesabers
Tue Apr 25, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5990

Re: Comcast negotiations

Comcast is separate from the TV networks. When you pay the Comcast bill you're paying the middleman who provides you access to the TV networks. one expensive middleman I guess. TV antennas tend to be a much cheaper middleman. :mrgreen: I imagine if there was a massive boycott on cable TV, Comcast a...
by flamesabers
Tue Apr 25, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5990

Re: Comcast negotiations

Phone apps and such and such are 'free' as you have to view ads to use them. As w/ many things these days... That's normal. (Just like over the air TV- NBC, CBS or even Crackle movies etc). You can typically upgrade an app by paying for it and then the ads are removed. On that note, if one pays for...
by flamesabers
Tue Apr 25, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3008

Re: co-worker had a baby chipping in on gift- how much?

As noted, some people really LOVE to chip in and give baby shower gifts. Nothing wrong with that. There is also nothing wrong with not contributing at all if you don't ever give gifts as a rule. However, if you don't like your colleagues enough to give them gifts or take them out to lunch, then con...
by flamesabers
Tue Apr 25, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 308
Views: 15144

Re: I don't understand the case for EE bonds

How many other investments (besides savings bonds) can you purchase that are tax-deferred, don't require earned income or a HDHP, has no fees, no income eligibility restrictions, has virtually no risk of default, is insured beyond the FDIC limits and isn't callable? Paper money? To me this appears ...
by flamesabers
Tue Apr 25, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 70
Views: 7928

Re: Ally Bank - Savings Account Rate Increased!

There are certainly risks either way. I decided to stick with just the Wells Fargo checking, though, because I've been with them for a long time now and never had any problems with fees or account mismanagement, their security has gotten a lot better, and I monitor it through logins and alerts regu...
by flamesabers
Tue Apr 25, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

One of the biggest challenges with a self-driving vehicle may be the fact that humans will be riding in them, and that the cars won't drive the way the humans drive. Humans run through yellow lights, tailgate, pass on the right, drive quickly and even accelerate when approaching stop signs and red ...
by flamesabers
Tue Apr 25, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 308
Views: 15144

Re: I don't understand the case for EE bonds

Well, if you think 3.5% NOMINAL is actually likely to beat stocks over 20 years, then yes, an EE bond might look like a good investment. If you think it is unlikely but possible, then you have to do some work to quantify how unlikely. Because it is unlikely but possible that lots of things could be...
by flamesabers
Tue Apr 25, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 70
Views: 7928

Re: Ally Bank - Savings Account Rate Increased!

it's a sad day, when one gets excited about 1%. you are losing money with inflation. True, but 1% is still better then 0%. I've actually gone back and forth on this. I've been tinkering with different bank account strategies recently and finally decided to settle on as simple as I possibly could, c...
by flamesabers
Tue Apr 25, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3008

Re: co-worker had a baby chipping in on gift- how much?

OP, Maybe I live in a different culture, but I don't think it's customary at all to solicit co-workers for gifts. If this co-worker is a good friend of yours I think that's a different situation. A number of co-workers at my workplace have had kids in the last few years and nobody has ever asked me ...
by flamesabers
Tue Apr 25, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 70
Views: 7928

Re: Ally Bank - Savings Account Rate Increased!

Is a .05% difference in interest rate worth transferring funds from another bank? I don't think it's worth it if you don't already bank with Ally. I see this more as a slight perk for those who already have an account with Ally. It's not like this increase is locked in or anything. Ally can lower i...
by flamesabers
Tue Apr 25, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 308
Views: 15144

Re: I don't understand the case for EE bonds

market timer wrote:A 3.5% likely tax free return doesn't seem that bad to me.


Unless you're using the interest earned on qualified educational expenses, you'll have to pay federal taxes on the interest earned when the bond matures or is otherwise redeemed.
by flamesabers
Mon Apr 24, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5990

Re: Comcast negotiations

That was a year ago (when this thread started) but I don't think things have changed that month. Believe it or not, I know people that are paying $260 a month. OMG, that's a mortgage payment in some parts of rural Iowa. What does one get for $260 a month? I would guess it would get you the fastest ...
by flamesabers
Mon Apr 24, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 308
Views: 15144

Re: I don't understand the case for EE bonds

This Bogleheads place is an interesting town - when someone asks "should I pay off my 3% mortgage" the majority of respondents jump in and say yes. But yet when someone asks if there is any point in a risk free investment that guarantees 3.5% over 20 years the result is entirely different...
by flamesabers
Mon Apr 24, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

Also: how many 15 year olds do you think are counting the hours until the day comes that they can sit in a car and not drive it? You may not have noticed, but 15 year olds are not counting the hours until they can drive like they used to. http://www.pbs.org/newshour/updates/many-teens-dont-want-get...
by flamesabers
Mon Apr 24, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard NY MMF vs. Savings Accounts
Replies: 4
Views: 500

Re: Vanguard NY MMF vs. Savings Accounts

Here's a wiki page that should answer your question:

https://www.bogleheads.org/wiki/Money_m ... g_the_buck

Another consideration is the VYFXX has an expense ratio of 0.16%. Saving accounts on the other hand won't charge you a fee usually if you meet the requirements.
by flamesabers
Mon Apr 24, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Did you file your taxes with Credit Karma?
Replies: 14
Views: 1220

Re: Did you file your taxes with Credit Karma?

I wasn't even aware Credit Karma offers tax filing services.

I do my taxes with H&R Block software since I can get it all free through Military Onesource.
by flamesabers
Mon Apr 24, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

People also used to be deathly afraid of elevators. They automated them in 1900 but nobody wanted to dare use them because they didn't have operators. People got over it when they added big red Stop buttons to them. Now nobody thinks twice about elevators. It's not like stairs are obsolete though. ...
by flamesabers
Mon Apr 24, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5990

Re: Comcast negotiations

Its certainly slightly cheaper to only buy internet - but as soon as you add TV and want at least one premium channel - the full discounted and contracted package deal seems to always be far cheaper. Its cheaper to buy it all than to just get what you want or need. At least that's been our experien...
by flamesabers
Mon Apr 24, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4203

Re: Is $20K I-Bonds considered cash or bond?

Savings bonds do not have characteristics similar to most "bonds." However, there's that thorny problem of them having a defined maturity date :) Isn't there a way on Treasury Direct to automatically renew maturing savings bond though? :wink: I know if you elect to make a automated payday...
by flamesabers
Mon Apr 24, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5990

Re: Comcast negotiations

It would actually cost us more if we were to go out and buy and provide our own equipment since its included in the bundled and contract-discounted price (they won't simply allow you to knock off another $10 just because you have your own modem as the equipment has already been discounted out of th...
by flamesabers
Mon Apr 24, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

I'm curious, does this fear of automated navigation extend to air travel? It seems like humans have an elevated sense of their personal driving ability when it comes to automobiles. However, I don't see anyone saying they could fly an airplane better than the onboard autopilot software. I would als...
by flamesabers
Mon Apr 24, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

People underestimate the speed of tech advancement. 10 years ago the iPhone didn't exist, and Facebook had just opened up the site to the public for the first time. 20 years ago less than 2% of people used the internet and only 4% had cell phones. I wouldn't underestimate the speed of tech change. ...
by flamesabers
Mon Apr 24, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Administration Professionals Day
Replies: 14
Views: 1029

Re: Administration Professionals Day

PVW wrote:Part of the reason is that no other professional has a special day and it's akin to buying flowers to make up for treating your assistant poorly every other day of the year.


Service members have Veterans Day.
by flamesabers
Mon Apr 24, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8125

Re: Will cars be autonomous in three years?

I would suggest getting the F-150 now and wait for the autonomous technology to improve to the point its mainstream and affordable. In this type of situation I think it's better to wait and see what comes out rather then try to anticipate what sort of technology will come out and when. Another consi...
by flamesabers
Mon Apr 24, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Administration Professionals Day
Replies: 14
Views: 1029

Re: Administration Professionals Day

kgressler wrote:Would buying her lunch be a nice gesture? Or perhaps just a gift card?


I think either one is customary and I'm sure would be an appreciated gesture.

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