Search found 289 matches

by noco-hawkeye
Tue May 15, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Killing mold and mildew outdoors
Replies: 8
Views: 694

Re: Killing mold and mildew outdoors

Since you seem to be adverse to typical treatments, are sunlight and lack of new moisture able to do anything?
by noco-hawkeye
Fri May 11, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: New Job - Use High Fee 401k With Match or Other?
Replies: 31
Views: 1276

Re: New Job - Use High Fee 401k With Match or Other?

I'd go for the match with the other 401k, then do a backdoor roth with whatever you have left over.

Also, if you are at 200k in income, using a traditional 401k (instead of roth) could reduce your income to maybe make the backdoor thing a non issue. (As I understand how it works)
by noco-hawkeye
Wed May 02, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Help me choose a second computer monitor
Replies: 18
Views: 1255

Re: Help me choose a second computer monitor

I have a dell P2715Q http://www.dell.com/en-us/work/shop/dell-27-ultra-hd-4k-monitor-p2715q/apd/210-adof/monitors-monitor-accessories at both home and work. It's a nice monitor. I agree with the others that are pushing back on your resolution. If you start going past a 24 inch display, really 1080 r...
by noco-hawkeye
Mon Apr 30, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 31257

Re: Those with high savings rate: why?

Maybe the question should be - those with a high SPENDING rate: why? I agree with this. Our society never thinks to ask this question, it's almost considered rude to ask why some people spend nearly every dollar they earn. It's up to each one of us to find whats important to us, and focus on those ...
by noco-hawkeye
Mon Apr 30, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 31257

Re: Those with high savings rate: why?

Why save so much? This is why - http://www.collaborativefund.com/blog/let-me-convince-you-to-save-money/ But the best reason to save is to gain control over your time. Everyone knows the tangible stuff money buys. The intangible stuff is harder to wrap your head around, but can be far more valuable ...
by noco-hawkeye
Sat Apr 21, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11410

Re: Quitting job - what to do if getting walked to the door

I was walked out the door within an hour of giving 2 weeks notice of going to a competitor. They paid for me to stay away from the office for those 2 weeks, then another 2 weeks of unused vacation. I don't think this is common, but it is possible. I think a lot of mega-corps that would walk someone ...
by noco-hawkeye
Tue Apr 10, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38067

Re: Name something you bought that wasn't cheap and glad you did

Bose QC35

I use them at work, really helps me stay focused / isolates noise. Also helpful in air travel. Usually I'd think 30$ on headphones are about as much as I want to spend, but these headphones are totally worth it.
by noco-hawkeye
Fri Apr 06, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 39
Views: 4671

Re: Who uses the 3 fund portfolio ?

I use either the 3 fund portfolio or target date funds, depending upon which account. I don’t consider myself a beginner, maybe somewhere in the middle.
by noco-hawkeye
Sat Mar 31, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: These 3 Admiral Shares Funds?
Replies: 11
Views: 1473

Re: These 3 Admiral Shares Funds?

michaelc wrote:
Sat Mar 31, 2018 8:03 am
If I go with VTSAX, VTIAX and VBTLX as my 3 fund portfolio in a ROTH, the 3 ER's total .20% ER, while the LifeStrategy Moderate Growth is .13 ER%.
So wouldn't the LifeStrategy be a bit cheaper?
Don't total them - average would be more appropriate.
by noco-hawkeye
Thu Mar 29, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 17
Views: 1800

Re: What is a lemon? 2018 Outback Infotainment issues

You could just replace the head unit with an aftermarket one, yes? I know thats not ideal, but you can get Android Auto / Car Play for maybe 500$?
by noco-hawkeye
Sun Mar 18, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4245

Re: Does credit score matter if you never plan to borrow money again?

It is not going to be a "small" ding. For comparison, I had a 30-day late on a credit card bill in 2012, my credit score tanked from 820+ to 740+, a steep 80 point drop. A collection account placed on a pristine credit history, I'd guess, will cause much more damage. I did have a fairly thick credi...
by noco-hawkeye
Sun Mar 18, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4245

Re: Does credit score matter if you never plan to borrow money again?

Here is another example of credit score usage - I recently bought a used car with cash (wrote a check). While accepting the check, the car dealership pulled my credit score to see that my check was likely to not bounce. I think credit scores are being used more and more for things that they aren't a...
by noco-hawkeye
Sun Mar 18, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Purchasing 1st Car under 3K
Replies: 33
Views: 2309

Re: Advice on Purchasing 1st Car under 3K

I think there is a group of us in this thread that are suspicious that a $3k is going to be more work / money than its worth and nearly impossible to find. Especially if you want something that provides reliable transportation with little extra effort. If you do pull this off, I'd be curious if you ...
by noco-hawkeye
Fri Mar 16, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: If you were to fully fund 2 Roths 22k tommorow.
Replies: 20
Views: 1485

Re: If you were to fully fund 2 Roths 22k tommorow.

Iorek wrote:
Thu Mar 15, 2018 6:34 pm
Personally I would put it in a target retirement fund but others will chime in to say you should indicate what the rest of your savings are, where they are invested, and what your preferred asset allocation is.
Me too - target date is fine for most everyone.
by noco-hawkeye
Mon Mar 12, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Small windfall, would like some advice
Replies: 30
Views: 2778

Re: Small windfall, would like some advice

My order would be: 1. I'd max out tax deferred space (401k + Roth), at least for this year (if not multiple years). 2. I think maybe another 5-15k or so in emergency savings would be good (if not more). 3. Get rid of car payments. 4. Your fun money at 10k seems a bit high, looking at your total pict...
by noco-hawkeye
Sat Mar 10, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Protecting large assets from lawsuit
Replies: 30
Views: 2950

Re: Protecting large assets from lawsuit

I think usually you want to start with the insurance carrier for your home and auto policies. It is my understanding that they want to cover all of these things together, and the umbrella then adds more coverage and since they are all under one provider - there are no gaps in coverage. (or something...
by noco-hawkeye
Fri Mar 09, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Split between several target date funds?
Replies: 19
Views: 1716

Re: Split between several target date funds?

Why do 3 target date funds?

I could see splitting the difference between 2025 and 2035 and holding a bit of both to "tilt" it one way or another, but 3 does not make sense to me. Or just find one, and add a bit of either total stock or total bond to tilt it.
by noco-hawkeye
Mon Feb 26, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: After Tax Savings Rate
Replies: 43
Views: 4212

Re: After Tax Savings Rate

I thought a good rule of thumb was starting around a savings rate of 15-20% of your income. If you started when you hit the workforce (say 22 years old), worked until you were 60, and wanted to retire with 75-80% of your pre-retirement income. My numbers might be off above, but I think a very genera...
by noco-hawkeye
Tue Feb 20, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 57
Views: 4962

Re: Safe to file taxes now?

They usually send out the corrected forms a day or two after I file. I'd wait. :oops:
by noco-hawkeye
Mon Feb 19, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2570

Re: Is window replacement this expensive?

We've used Andersen renewal windows, and thought they were nice. I don't recall them being quite the price you are quoting, but they were not cheap. We've also have a new patio door which is milgard. At our old house, we also tried weather shield for a kitchen window. I would consider milgard and an...
by noco-hawkeye
Mon Feb 19, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I payoff my Mortgage?
Replies: 25
Views: 1639

Re: Should I payoff my Mortgage?

I would pay a bit extra every month, and then also save a good deal in a safer vehicle - something maybe more conservative than what you use for retirement. Once your savings pile has enough to pay off the house, you will have the time / perspective to pay it off (or not). By paying a bit extra ever...
by noco-hawkeye
Fri Feb 16, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7193

Re: How to get child's skin in the game for college?

So the issues are 1. How can a child of high earning parent get a student loan if necessary? 2. How to hold child accountable for the grades / performance to justify the free ride for college? Thanks Some harsh advice / feedback: 1) . You should feel lucky you are a high earner. You want a loan in ...
by noco-hawkeye
Sun Feb 11, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Comcast Modem
Replies: 35
Views: 3468

Re: Getting Rid of Comcast Modem

cancel your comcast phone service... and buy a normal docsis 3 cable modem then buy a obihai and use it with google voice phone number... https://www.amazon.com/OBi200-1-Port-Adapter-Support-Service/dp/B00BUV7C9A no monthly fee as it uses google voice. but there is a 15 dollar a year fee if you wan...
by noco-hawkeye
Fri Feb 09, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 9151

Re: Tenants want to break lease early and is pregnant

TallBoy29er wrote:
Thu Feb 08, 2018 4:19 pm
What would you want done for you, if you were in their shoes? What feels right?
^ Fantastic answer.
by noco-hawkeye
Sun Feb 04, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1252

Re: T-Mobile Coverage in Rural Areas

We live in the western US. I've found T-Mo to work great in cities, and fair when you get out on the interstate in the boonies. When you get on a state highway away from the interstate, then T-Mo can struggle quite a bit - this is all pretty similar to what others have been saying. It's not a proble...
by noco-hawkeye
Sat Feb 03, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 47568

Re: Today was a Really Bad Day

"Bad"=Great :happy "A year later, we know that March 9,2009 was the bottom of a months-long financial panic that wiped away trillions of dollars in assets. But on what now appears to have been the best buying opportunity of a generation," :mrgreen: :mrgreen: https://www.forbes.com/2010/03/06/march-...
by noco-hawkeye
Tue Jan 30, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Feedback on rollover plans
Replies: 1
Views: 164

Feedback on rollover plans

I thought I'd pass my plans in front of the bogleheads, to see if I am missing something for my plans to rollover previous retirement accounts. I have two previous 401ks, and 2 pensions that can also be distributed as a lump sum (into a qualified plan). One of my 401ks also has some roth contributio...
by noco-hawkeye
Sun Jan 28, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9099

Re: WHY do wireless routers need periodic reboots?

Buy better routers and try using better firmware. For those that are adventurous, many routers support open source firmware alternatives (dd-wrt/tomato/merlin etc).

My router goes many months without a reboot, and we've got 20-40 devices connected.
by noco-hawkeye
Thu Jan 25, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: April in Paris - Your favorites or suggestions?
Replies: 48
Views: 2121

Re: April in Paris - Your favorites or suggestions?

Maybe Versailles for your trip out of the city? All your items sound awesome. Enjoy your trip! :sharebeer
by noco-hawkeye
Thu Jan 25, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking through Paying Down the Mortgage
Replies: 58
Views: 4588

Re: Thinking through Paying Down the Mortgage

We paid ours off a few months ago. From the link: http://www.mdmag.com/physicians-money-digest/investing/6-reasons-the-rich-should-pay-off-their-mortgage 3. Lower Marginal Utility of Extra Wealth This was the item that I most identified with. If your retirement savings are getting closer and closer...
by noco-hawkeye
Thu Jan 25, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Thinking through Paying Down the Mortgage
Replies: 58
Views: 4588

Re: Thinking through Paying Down the Mortgage

We paid ours off a few months ago. From the link: http://www.mdmag.com/physicians-money-digest/investing/6-reasons-the-rich-should-pay-off-their-mortgage 3. Lower Marginal Utility of Extra Wealth This was the item that I most identified with. If your retirement savings are getting closer and closer ...
by noco-hawkeye
Thu Jan 25, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 17055

Re: Dear wife quits job and now we are down to 1 income

... 2. DW said she would be ok without health insurance(savings would be 300/ month). She is getting all her medical/ annuals done by end of month before her insurance is terminated. I didn't agree with her. ... I think dropping health insurance is a terrible idea. It doesn't take much to have $10k...
by noco-hawkeye
Sun Jan 21, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 79
Views: 5642

Re: Discussing a 529 with your kids

What does this have anything to do with it affecting the kid's choices. It is money under YOUR control (yes the ONLY situation in the IRS where a completed gift is still under full control of the giftee). Just tell them what your expectations are and that you will only support payment if under x co...
by noco-hawkeye
Sun Jan 21, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 79
Views: 5642

Re: Discussing a 529 with your kids

The point about coaching your kids to obtain degrees that make better money - I have no problem with my kids taking philosophy, theatre, orchestra, etc classes. I think these are useful and do help create a more well rounded person. What I do have a problem with is paying for these things at some of...
by noco-hawkeye
Sat Jan 20, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 79
Views: 5642

Re: Discussing a 529 with your kids

Our philosophy is they each have a 529 that we try to contribute to equally. That's really theirs to budget with, and will be close to something like 4 yrs at a public school. We can cash flow some extra, if we really felt like it was a good idea. Ideally I am going to start them with the 529, and h...
by noco-hawkeye
Sat Jan 20, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 79
Views: 5642

Re: Discussing a 529 with your kids

A few points: The kids know to get a job in a field that will pay good money. A degree in math / science with a focus on either engineering or healthcare are two fields we use as examples. The kids are on board with this. They also know living someplace expensive will be a tradeoff for future opport...
by noco-hawkeye
Sat Jan 20, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 79
Views: 5642

Discussing a 529 with your kids

My kids are at the beginning of receiving college material, in their high school years. The pamphlets with pretty pictures, how every school is perfect and so special. Yada yada yada..... During this process, we are asking our kids "how much does that school cost?", as we are trying to help make the...
by noco-hawkeye
Fri Jan 19, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 219
Views: 35126

Re: How to Minimize Your Emergency Care Expenses

Thank you so much for this post, White Coat Investor. It's a situation no one is really all that happy with, and this information is totally helpful!
by noco-hawkeye
Sun Jan 14, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Funding 529s and retirement from taxable investment accounts
Replies: 11
Views: 935

Re: Funding 529s and retirement from taxable investment accounts

I agree with kaneohe above. My other question would be - what are these assets currently earmarked for? Is you taxable account going to be used for <anything>? My taxable is really part of my retirement savings, and if I took from my retirement savings to go into a 529 I would need to then make that...
by noco-hawkeye
Fri Jan 12, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans after kid graduates?
Replies: 35
Views: 2375

Re: Pay off student loans after kid graduates?

One trick you might want to look into ASAP - Can you do a quick contribution into a 529, get a state deduction - and use that? I'm not sure that is possible or not, but something that might turn out to juice your own state tax load. I'm pretty sure you cannot use 529 money to pay off student loans....
by noco-hawkeye
Fri Jan 12, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: 401K high fees, no match - don't use it? Backdoor Roth instead...
Replies: 24
Views: 1311

Re: 401K high fees, no match - don't use it? Backdoor Roth instead...

I agree with CnC that your total savings rate seems concerning. You should be averaging around 15% (or more), unless you have some special circumstances. The other aspect is that you said you were right at the limit for a backdoor. If you max out your 401k, I thought that would decrease your income ...
by noco-hawkeye
Thu Jan 11, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans after kid graduates?
Replies: 35
Views: 2375

Re: Pay off student loans after kid graduates?

One trick you might want to look into ASAP -

Can you do a quick contribution into a 529, get a state deduction - and use that?

I'm not sure that is possible or not, but something that might turn out to juice your own state tax load.
by noco-hawkeye
Tue Jan 09, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside to paying with HSA?
Replies: 21
Views: 1890

Re: Any downside to paying with HSA?

I'd encourage you to do the same if you financially are able to. This is the key thing with HSA accounts - IF you can afford it, pay out of pocket and let the HSA grow. If you have a year where you are going to spend a lot of healthcare money, and the budget is tight - I find HSA accounts are less ...
by noco-hawkeye
Tue Jan 09, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Why are 401k ROTH rare?
Replies: 11
Views: 1371

Re: Why are 401k ROTH rare?

A couple of possible reasons - Roth 401k has been around maybe 10 years, maybe 15? HR departments move slow. A roth 104k might not be as appealing to some. Try maxing out the roth option vs the traditional option, employees probably like and adopt the traditional version more broadly (since your tak...
by noco-hawkeye
Mon Jan 08, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7491

Re: Lowball offer on a home

I agree for the lowball in your position. They may very well be offended and end up taking a much higher offer. That's not your problem or concern. Offer what it is worth to you, and you seem to have a reasonable handle that this much work will not be cheap, easy, or quick. If someone else wants to ...
by noco-hawkeye
Thu Jan 04, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Cash-out refinance to REDUCE equity?
Replies: 18
Views: 1662

Re: Cash-out refinance to REDUCE equity?

If you felt like 1M$ is too much of a house to have in your portfolio, you could also move / downsize. I could see maybe taking out a heloc for some renovations, but taking out a mortgage on a paid off house seems like a poor move to me. You've qualified to live in a 1M$ home, so you have a combinat...
by noco-hawkeye
Wed Dec 27, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Would you sign a non-compete for a side-gig consulting agreement?
Replies: 44
Views: 2462

Re: Would you sign a non-compete for a side-gig consulting agreement?

Why would you even consider signing a non-compete for such a minimal financial gain. Not worth it. Stick to non-disclosure and IP agreement. +1. If you are doing it largely for fun/ beer money it makes no sense sense to sign something like this. Ask them to take it out. Agree. I work in tech / have...
by noco-hawkeye
Mon Dec 25, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: 5 year recommendation? Real estate, investing, early retirement?
Replies: 9
Views: 1310

Re: 5 year recommendation? Real estate, investing, early retirement?

2) invest the $10,000 2 month into the market (how? Into what?) with confidence were at the beginning of a business boom thanks to the tax cuts If your justification for item #2 is the recent change in tax policy - what makes you think it won't change within 5 years? I risk being moderated, but mak...
by noco-hawkeye
Thu Dec 21, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 56030

Re: Can I pre-pay 2018 mortgage and deduct interest on 2017 taxes?

When you make a payment, I recall that it's possible to say where the extra portion of the payment goes. (almost always this is principle) My question is - are you sure you are in this big of a hurry to pay extra interest? Consider this example - You see a windfall that provides enough money to pay ...