Search found 3378 matches

by mhc
Wed Aug 23, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 46
Views: 2629

Re: Eclipse Traffic: predictions vs reality?

I went to Agate Fossil Beds National Monument in western Nebraska. The drive home to northern Colorado was just under 4 hours. Normally, it would take 2.5 hours. One of my co-workers went up I-25 to Glendo Lake in Wyoming. She said it took 5 hours to go 1 mile from the lake to the interstate after t...
by mhc
Tue Aug 22, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 31
Views: 3099

Re: I did it and feel great about it (paid off mortgage)

Steven,

congratulations!

You won't know for many years if it was the correct financial mover or not, but it can sure feel good.

I paid mine off right before the great recession. I was glad that the money went to the mortgage instead of a collapsing market.
by mhc
Tue Aug 15, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4941

Re: Postal Service -- "informed delivery"

Do folks still get things of value in the mail? I switched everything to paperless billing. I occasionally get replacement credit or debit cards in the mail, but everything else is junk. I still get birthday cards, Christmas cards, and personal letters in the mail. Not everyone in the world has acc...
by mhc
Tue Aug 15, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4941

Re: Postal Service -- "informed delivery"

Thanks. I just signed up. It will be interesting to see how well it works.
by mhc
Tue Aug 15, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: How much coverage should I buy in an umbrella liability policy
Replies: 15
Views: 1561

Re: How much coverage should I buy in an umbrella liability policy

I think one has to look at state and federal laws to see how ones assets are protected against law suits.
by mhc
Tue Aug 15, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 45
Views: 3181

Re: What kind of hotel do you get on business travel?

Had been staying in a Westin, but now I use a Hyatt Place when I travel to my headquarters. We have lots of options when we book travel.
by mhc
Mon Aug 14, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7482

Re: Aug. 2017 US total eclipse hotel reservations.

Maybe people can give a report on their experience after the eclipse. I am spending the weekend in the Black Hills. The drive down to the eclipse should be easy. I will watch it in western Nebraska. There is virtually no population north of western Nebraska. I wonder how the drive home to Northern C...
by mhc
Thu Aug 10, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6101

Re: What Percentage CASH are you?

I do not separate out my checking account from my retirement portfolio because when I retire, the money in my checking account will be part of my retirement portfolio. I also do not have an emergency fund. Everything is my retirement portfolio. 80% equity funds 18.5% bond funds 1.5% cash That is my ...
by mhc
Wed Aug 09, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 54
Views: 3714

Re: Do you plan to ditch your laptop in travel soon?

I stopped carrying a laptop on personal travel several years ago. I replaced it with a tablet. I could go with only a phone, but the tablet is much better for watching movies on planes or in the hotel room.

At home I rarely use my laptop anymore. I do most things on my tablet.
by mhc
Tue Aug 08, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 7679

Re: Still Buying As planned Regardless Of The World Situation

If the world situation is so bad then why are the markets so high? I'm no economist or historian, but the two don't seem like they would go together.

During the great recession when things were bad, the market was down.
by mhc
Tue Aug 08, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage cash back rewards?
Replies: 26
Views: 2452

Re: How do you manage cash back rewards?

Cap one card automatically credits against balance one $25 accrues

Chase Amazon 5% back credits against future purchases.
by mhc
Mon Aug 07, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5171

Re: Buying a Vehicle the Old Fashioned Way

He is a good salesman. You made a purchase and walked away happy. Win-Win deal. This is what every salesman shoots for.
by mhc
Fri Aug 04, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Stock Options and Awards
Replies: 9
Views: 559

Re: Stock Options and Awards

RSUs sell immediately and invest in low cost index funds according to AA. Stock Options are different. There is a time value built into the options. If you sell immediately, you may be throwing away a good amount of value. I wait until the options are about to expire or the stock has gone up substan...
by mhc
Wed Aug 02, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 8009

Re: Retire early, live abroad until 65 and come back

Which countries are on your short list?

I guess if you get ill abroad and you really need US doctors, you could come back and get ACA insurance. Keep your income low, and the government will subsidize your insurance.
by mhc
Wed Aug 02, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Gift Annuity - Pros vs Cons
Replies: 11
Views: 789

Re: Charitable Gift Annuity - Pros vs Cons

These types of things can be difficult to fully comprehend. Lots of fine print and strange things.

I would bet between a SPIA and DAF, one would be better off financially. It would also be easier to understand.
by mhc
Wed Aug 02, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Handling Restricted Stock in Rebalancing
Replies: 11
Views: 568

Re: Handling Restricted Stock in Rebalancing

Personally, I completely ignore them until they vest. Then I sell them immediately and invest the proceeds according to my AA. Same here. I do not include RSUs or NQSOs in my AA because there is no guarantee that I will ever see any money from them. I view them more like future salary. I could see ...
by mhc
Tue Aug 01, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1507

Re: Who's Responsible?

How is it your problem? Amazon gave you your money back. Go buy another copy of the book. +1 Amazon made good on it. What else do you want? As a general rule, I do not buy from 3rd parties on Amazon. I have had several bad experiences with them. Fortunately, Amazon refunded the costs each time. I a...
by mhc
Mon Jul 31, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 2731

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

When I was a bachelor, my plates never got hot in the microwave and didn't need to be washed. I could get a role of them for $1 or so.
by mhc
Mon Jul 31, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring retirement and taxable accounts to Vanguard
Replies: 4
Views: 375

Re: Transferring retirement and taxable accounts to Vanguard

I use Vanguard and Vanguard Charitable. I like they way they link together. Even though you don't plan on giving $25k this year, you can still give that much to the DAF this year and then recommend grants in a different year. That is one of the beauties of a DAF. DAFs decouple the tax benefit from t...
by mhc
Mon Jul 31, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 2627

Re: Filling bookshelves cheaply

I would imagine over time the bookshelves will organically fill with awards, momentoes, knicknacks, binders from conferences or training, .... You could also put some spreading plants on the shelves. Some sort of vine or ivy. I have seen that the trend is to move away from books and paper. It may lo...
by mhc
Mon Jul 31, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Should we increase our retirement savings rate?
Replies: 35
Views: 2725

Re: Should we increase our retirement savings rate?

Have you played with any retirement calculators like firecalc.com? This can give you an idea about if you are saving enough.

Remember, if you retire early, you may have to pick up the full cost of medical. That can be pricey.
by mhc
Fri Jul 28, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 5556

Re: TSA Pre-check for free

I have flown SW 8 times this year, and I have never had TSA Pre-check for free. At least I have not noticed it. Maybe I should look more closely.

I recently flew Frontier with my family, and on the return flight, my son had it. No one else did.
by mhc
Thu Jul 27, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 8863

Re: Should I Quit my 6-figure job?

What are your other options? You should consider them, but if you don't list them, it is difficult to say much more.
by mhc
Wed Jul 26, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Why not Schwab instead of Vanguard?
Replies: 68
Views: 4710

Re: Why not Schwab instead of Vanguard?

A couple of other things to consider in comparing the two companies.

1. How are the TLH pairs available.
2. Tax efficiency of funds.

I believe Vanguard is better in each of these.
by mhc
Tue Jul 25, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 3718

Re: WiFi Thermostat?

I like the idea of a wifi thermostat, but I really don't see the need. I have a programmable thermostat. I don't need to see the temperature of my house when I am not home. I don't need to change the temperature of my house when I am not home. If I need to temporarily change the temperature, I can s...
by mhc
Tue Jul 25, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: Company refusing to provide prospectus
Replies: 11
Views: 1381

Re: Company refusing to provide prospectus

I would research the company offering the stable value fund. I believe there have been threads in the past about the risks associated with SVFs. Maybe you could find one.
by mhc
Mon Jul 24, 2017 4:50 pm
Forum: Investing - Theory, News & General
Topic: Company refusing to provide prospectus
Replies: 11
Views: 1381

Re: Company refusing to provide prospectus

My employer has CITs in our 401k. CITs are not regulated like mutual funds. They do not have a prospectus. They merely have a one page fact sheet. At first it bothered me, but now I really like them because of the low cost. Take a look at the wiki on Collective Investment Trusts. They are very common.
by mhc
Mon Jul 24, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Patio furniture
Replies: 11
Views: 980

Re: Patio furniture

I live in Colorado, and my Meadowcraft wrought iron powder coated furniture has been outside for 17 years. I have to touch up the paint every few years due to wear and tear from kids. A $4 can of spray paint and 20 minutes keeps it looking like new. I have been very pleased with the Meadowcraft furn...
by mhc
Mon Jul 24, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Should I purchase Lake House for Primary
Replies: 25
Views: 2748

Re: Should I purchase Lake House for Primary

Sounds nice. Go for it. Living on a lake may not be for every one, but if it fits your lifestyle, go for it.
by mhc
Mon Jul 24, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: ESOP Diversification Investing
Replies: 2
Views: 188

Re: ESOP Diversification Investing

If the money is currently in company stock, then the money is in the market. Keep the money in the market, but diversify it into a low cost index fund. The market valuation really doesn't matter if the money is already in the market.
by mhc
Mon Jul 24, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Best Way to Sharpen Tools
Replies: 11
Views: 1142

Re: Best Way to Sharpen Tools

I typically use a mill file and sharpen by hand. For smaller toolds like hand pruning shears, I use a little tool I found at Home Depot. It is like a small piece of metal on the end of a handle. It does well on small curved blades. I looked at using a bench grinder, but unless you are going to use i...
by mhc
Mon Jul 24, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 35
Views: 2686

Re: Lifetime Tire Alignment

My 13 year old Honda CR-V has never had a tire alignment and probably never will.
by mhc
Thu Jul 20, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Coming into a lump sum NQD payout. Need advice
Replies: 4
Views: 363

Re: Coming into a lump sum NQD payout. Need advice

If you make large enough charitable contributions, you could consider making a very large contribution to a DAF this year. Depending on your situation, you could gain a tax advantage. I did this last year.
by mhc
Thu Jul 20, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: My favorite CNBC program
Replies: 33
Views: 3657

Re: My favorite CNBC program

F150HD wrote:Shark Tank


+1

My whole family enjoys it.
by mhc
Wed Jul 19, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 3018

Re: Indoor activities for a 3-year-old

My son really liked Thomas when he was 3. We would build large, elaborate train tracks with the wooden tracks. It was also engaging for me. He also liked jigsaw puzzles, legos, tinker toys, and such. My son also enjoyed following me around and helping with normal household work. Include him in the n...
by mhc
Tue Jul 18, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 4308

Re: Good Service for Flagship Investors

I've always had great experiences with Vanguard. They definitely are not a cable company or airline.
by mhc
Tue Jul 18, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Having flowers delivered
Replies: 13
Views: 1000

Re: Having flowers delivered

It's easy to do. I have used local and online flower shops many times. I have even used costco I believe for mother's day. They were just fine.

Don't over think it.

The thought should be the main thing.
by mhc
Mon Jul 17, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Denver Trip - Last minute
Replies: 26
Views: 2029

Re: Denver Trip - Last minute

capital
art museum near capital
mint
16th street mall
museum of science and nature (fossil exhibit is outstanding)
Molly Brown house

Those are all in downtown or close.

How much time do you have? Will you have a car?
by mhc
Wed Jul 12, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7252

Re: Do you consider business travel to be a perk or a burden?

I do not consider it a burden, but my flight time is usually 2 hours. I also get to travel back to where I grew up and visit my elderly parents and brothers. I have gotten to the point though that I try to fly on company time, not my time.
by mhc
Wed Jul 12, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Broken Sprinkler System after Home Purchase
Replies: 28
Views: 2063

Re: Seeking Advice - Broken Sprinkler System after Home Purchase

Let it go. Do you really want to fight with someone like the seller? How could you prove that it broke before purchase versus breaking after purchase?
by mhc
Wed Jul 12, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Funds in both 401K and Taxable Account?
Replies: 9
Views: 526

Re: Vanguard Index Funds in both 401K and Taxable Account?

I would not worry about it. I would just use TSM and TISM in the taxable account. Since the 401k has 2045, you will not have to worry about any wash sales. TSM and TISM are really good funds, and they are very appropriate for a taxable account. If you decide you want more bonds in the future, just a...
by mhc
Mon Jul 10, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7568

Re: how to destroy hard disk with personal info

I put mine in my table vice and then hit it a couple times with my 5 lb hand sledge. Of course I wear goggle because the whole case bends over, breaks open, and the platters shatter. It takes less than a minute to due this. I can't believe anything could be recovered from this.
by mhc
Mon Jul 03, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Vested NQ Stock Options - Cash out or sit tight?
Replies: 7
Views: 385

Re: Vested NQ Stock Options - Cash out or sit tight?

Funny, I was just looking at my NQ options just before I saw this thread. I'm in a similar position as you, and I'm letting my options continue. I am not cashing out until they get closer to the expiration date. It looks like you have a good understanding of the time value. Of course the time value ...
by mhc
Fri Jun 30, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: My first car - keep or sell?
Replies: 13
Views: 845

Re: My first car - keep or sell?

If I understand the options correctly, they are:

1. sell car, live with 1 car
2. fix car and have 2 cars

Do you need 2 cars?

The routine maintenance is quite reasonable. If you need two cars, do the repairs. If you don't, sell it.
by mhc
Fri Jun 30, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: DAF Confusion [Donor Advised Fund]
Replies: 18
Views: 1074

Re: DAF Confusion

Your understanding is correct. Ally is not correct. I would not worry about it. Things will not move much in most 10 day periods. If you needs things to happen quickly, then you probably should hold the funds in a Schwab account for donating to Schwab Charitable. I would assume you could do the tran...
by mhc
Tue Jun 27, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tipping floor subcontractors?
Replies: 12
Views: 843

Re: Tipping floor subcontractors?

If they did something extra, tipping is a good idea. If not don't. Did you have much interaction with them? When I had my floor re-finished, I gave them the key and took the family on vacation. I didn't even see the workers.
by mhc
Tue Jun 27, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your dividends?
Replies: 16
Views: 1629

Re: Do you check your dividends?

never

ignorance is bliss
by mhc
Tue Jun 27, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Go with fidelity index funds or vanguard etfs in retirement account
Replies: 11
Views: 842

Re: Go with fidelity index funds or vanguard etfs in retirement account

Since the fidelity funds are low cost, I would use them. I use the Fidelity TSM fund in my Fidelity HSA.
by mhc
Fri Jun 02, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Yellowstone best itinerary?
Replies: 15
Views: 1597

Re: Yellowstone best itinerary?

I live between Denver and Cheyenne. I have been to all the places on that tour, and most of them multiple times. The tour is going to involve a lot of driving and a very small sampling of each. If you want to see a lot of places quickly and just see the highlights, then this tour is for you. If I wa...
by mhc
Fri Jun 02, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How to treat and budget gift money?
Replies: 3
Views: 333

Re: How to treat and budget gift money?

I treat all money the same. The source doesn't affect how I treat it. The source does not influence my spending behavior. You are getting real money. I would just invest it like any excess money. For example, my in-laws sends us a check to go out to eat on our wedding anniversary. We deposit the che...