Search found 77 matches

by perl
Tue Aug 01, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: How do I shop around for a HELOC?
Replies: 9
Views: 1092

Re: How do I shop around for a HELOC?

I've been looking recently and Penfed is the best I've found.
by perl
Sun Jul 30, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 5556

Re: TSA Pre-check for free

Is your friend over 65? They do sometimes give low-risk folks (typically elderly or teens) TSA-Pre for the day - but it certainly isn't guaranteed - you will never know until you check in. (Even with having paid - they will occasionally bump you for a random full check). They might even have some p...
by perl
Sun Jul 30, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 8757

Re: How to calculate your retirement number

It's a big mistake to estimate your lifespan based on your family's lifespan. Genetic factors explain only about 25% of human variability in lifespan.

https://en.wikipedia.org/wiki/Longevity
by perl
Mon Jul 17, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6563

Re: Is it Safe to Get Your DNA Tested?

The ethical issue with DNA testing that comes up most frequently is paternity surprises. About 12% of people tested find that their biological father is not who they thought was their father. The impact on families of learning this can be enormous
by perl
Mon Jul 03, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Just found out my mom is in serious financial crisis. Need help ASAP.
Replies: 58
Views: 9079

Re: Just found out my mom is in serious financial crisis. Need help ASAP.

She needs to start with a good tax lawyer who specializes in working with people delinquent on their taxes. Do that first.
by perl
Mon Jul 03, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13378

Re: Bogleheads: you should be buying 10-year old cars

Bogleheads love to argue about cars. But if you're truly frugal, you don't own a car.
by perl
Sat Jul 01, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 46
Views: 2576

Re: Buying a dishwasher

If you haven't yet discovered the Sweethome, you are I for a pleasant surprise. It's filling the review vacuum left by Consumer Reports going downhill.

The best dishwasher
by perl
Sat May 20, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3785

Re: Bad experience with 'rescuing' a lost dog

Taking a lost dog 2 hours away from where it was found is not a good deed.
by perl
Sun May 14, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 39028

Re: Regret early retirement/downsizing

My only regret and hardest thing for me are the rainy days - you get locked in the house and there is only so much reading, computer, and housework you can do. I am not a TV watcher unless it is sports. Why don't you buy a good umbrella and maybe rain boots? Why stay in the house when there are so ...
by perl
Thu Apr 20, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 42
Views: 5691

Re: Calling for all the Moms: career and family.

I'm a full-time working mom. Kids make things hard, no doubt. There's a big red flag in your post: you say your husband doesn't like it. What doesn't he like? Your parents living with you, or something else? Here are the things you say that worry me: - You state that you have to financially support ...
by perl
Thu Apr 20, 2017 4:27 pm
Forum: Investing - Theory, News & General
Topic: Evaluating my lack of jitters
Replies: 26
Views: 1854

Re: Evaluating my lack of jitters

I'm also an academic. We are in a very unusual position of having (post-tenure) true job security. In my opinion, this makes taking more investing risk rational because we know (post-tenure) that if there is a market crash near retirement we have a job that can allow us to work for a couple more yea...
by perl
Mon Apr 10, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 5215

Re: Gardening 2017

Loki098, thanks. When you say 1:1:.25, does that mean one part compost, one part part, .25 part vermiculite?
by perl
Mon Apr 10, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 5215

Re: Gardening 2017

I use a modified square foot garden plan with raised beds and this year amended the beds with "Mel's mix" with compost, peat moss and vermiculite. I didnt go the 1/1/1 ratio, but instead used about 1 part of compost to 1/3 vermiculite and 1/2 peat moss. You just can't go wrong with Mel's ...
by perl
Sun Apr 09, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 3242

Re: Backyard shed, wood or "plastic"?

We just got a plastic shed at Costco.
by perl
Sat Apr 08, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to open a Roth IRA - need some expert advice
Replies: 8
Views: 958

Re: Looking to open a Roth IRA - need some expert advice

What does your username mean?

Starting with a target date fund would be a good way to go. I wish I had done that starting out.
by perl
Fri Apr 07, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 6671

Re: What online bank do you use?

Schwab for checking. In addition to having no fees, atm fee reimbursement, free checks, they have a good mobile app which you can use to deposit checks by taking a picture, and great customer service. Great bank. Alliant for savings, currently 1.05%. I chose them over Ally because of their fast ACH ...
by perl
Fri Apr 07, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: Alts:new sources of risk/return improve portfolio efficiency
Replies: 119
Views: 9390

Re: Alts:new sources of risk/return improve portfolio efficiency

I would be concerned that reinsurance will be exposed to greater and more correlated risks due to the increase in extreme weather events that will accompany climate change. Fires, droughts, floods, hurricanes, and tornados are predicted to be more frequent and more severe. Political instability is a...
by perl
Thu Apr 06, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: STEM & "coding" toys for little ones ?
Replies: 41
Views: 3517

Re: STEM & "coding" toys for little ones ?

The most popular STEM toys along the preschoolers I know are magnatiles, a fantastic building toy. They are pretty expensive but very very worth it. Other ideas: Marble mazes Tape measures (the kind that auto retract) Starting seeds for the garden Ramps to drive toy cars down Cardboard boxes (build ...
by perl
Wed Apr 05, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2436

Re: Google Voice as secondary number: pros & cons

A nice feature of Google voice that I haven't seen mentioned is that I get a type of call screening when calls to that number ring my cell phone. When I answer, the robot says "Call from..." and then I hear the person's recorded name. I can then accept or reject the call. It's great. This...
by perl
Mon Apr 03, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2436

Re: Google Voice as secondary number: pros & cons

A nice feature of Google voice that I haven't seen mentioned is that I get a type of call screening when calls to that number ring my cell phone. When I answer, the robot says "Call from..." and then I hear the person's recorded name. I can then accept or reject the call. It's great.
by perl
Mon Apr 03, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Alliant savings now 1.05%
Replies: 8
Views: 1717

Alliant savings now 1.05%

Alliant just emailed to say that their savings account rate has increased to 1.05% APY.

http://www.alliantcreditunion.org/bank/ ... ld-savings

That 0.05% means an amazing extra 5 dollars a year on a $10k account!
by perl
Mon Apr 03, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: IS 200k household income "middle income" these days? Has that threshold increased?
Replies: 42
Views: 3206

Re: IS 200k household income "middle income" these days? Has that threshold increased?

You have a high income - income in the top 10% of US households is high. 'Upper middle class' is a euphemism that means 'wealthy but trying to pretend we're not wealthy because really we're just regular normal folks.'
by perl
Thu Mar 23, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 133
Views: 17561

Re: What % of your income have you converted to wealth?

For an early 40s couple: 59.5%. I didn't expect it to be that high.

What would be an easy way to adjust this for inflation?
by perl
Mon Mar 20, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: IRS letter: employment related identity theft
Replies: 4
Views: 1443

Re: IRS letter: employment related identity theft

investingdad, thanks - this is just the kind of list I was looking for.

I was able to place the freezes online at the 3 credit places & chex. I'll keep working down the list.
by perl
Mon Mar 20, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: IRS letter: employment related identity theft
Replies: 4
Views: 1443

IRS letter: employment related identity theft

This weekend I received a letter from the IRS with an Employment related Identity Theft Notice. It says: We believe another person used your social security number (SSN) to obtain employment. We are sending this notice to make you aware of this incident so you can take appropriate steps to protect y...
by perl
Wed Mar 15, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 4105

Re: Time Saving Tactics: Kids Edition

Learn to be more focused and productive at work, then reduce hours spent working. (Only applies if you're salaried.)

Exercise regularly so you can keep being there for your kids.
by perl
Wed Mar 15, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 131
Views: 13582

Re: GEICO auto rates vs. USAA: too good to be true?

LOL. On the other hand, I am still with Liberty for home insurance: I researched Geico's underwriter and did not like it one bit. I cannot describe Liberty in allowed words either: yearly premium in 2004 was $400; yearly premium in 2017, $1,100. In a deflationary environment... yeah, right. I am pa...
by perl
Mon Mar 13, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Pipe leak damaged house
Replies: 18
Views: 1970

Re: Pipe leak damaged house

Thanks for the advice. I particularly appreciate the water alarm suggestion, I was just wondering whether a product like this exists. Water or moisture sensors for out of place spots seem like a great idea. My remodel comment was sardonic, because our kitchen is ripped up and unusable - it's the bad...
by perl
Mon Mar 13, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Pipe leak damaged house
Replies: 18
Views: 1970

Pipe leak damaged house

Looks like we're doing an involuntary kitchen remodel. This weekend we discovered that the drain pipe of our kitchen sink has leaked and caused water damage to our kitchen cabinets, the floor underneath, and the rooms below. The damage looks pretty extensive: the walls and baseboards are wet in the ...
by perl
Fri Mar 10, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: New to all of this, need a consult/reassurance please.
Replies: 30
Views: 1911

Re: New to all of this, need a consult/reassurance please.

I'm your age and I'm 80/20. That's ok if you are comfortable with it. Getting everything over to Vanguard should be a priority. That IRA at Wells Fargo is awful. I think that completely stopping retirement plan contributions for 2 years is a mistake. You can only contribute $5500 each to IRAs each y...
by perl
Sun Mar 05, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Poll: For those 20 yrs away from retirement, what is your current asset allocation and future changes?
Replies: 33
Views: 2220

Re: Poll: For those 20 yrs away from retirement, what is your current asset allocation and future changes?

80/20, and following the logarithmic glide path discussed in the wiki until it hits 50/50, then staying there.
by perl
Sat Mar 04, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Downsides to Living in Same Neighborhood Entire Life?
Replies: 17
Views: 2143

Re: Downsides to Living in Same Neighborhood Entire Life?

When you're 25 and single, you're in a good stage of life to have a bit of adventure and try something new. Your current neighborhood will still be there if you want a family oriented neighborhood later. Getting a bit out of your comfort zone is good for personal growth. How will the extra expenses ...
by perl
Sat Mar 04, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan early or contribute to Roth IRA(s)?
Replies: 24
Views: 1825

Re: Pay off car loan early or contribute to Roth IRA(s)?

Listen to the advice you already got: don't pay a 0.9% interest loan early. Save for next year's Roth contribution. Rebuild your emergency fund. Invest in taxable. Those are all better than prepaying a low interest loan.
by perl
Mon Feb 27, 2017 10:24 pm
Forum: Investing - Theory, News & General
Topic: Anyone using Optum Bank for HSA?
Replies: 16
Views: 1746

Re: Anyone using Optum Bank for HSA?

My employer switched to Optum starting last month. In my case my employer pays the monthly fee, and I only need to hold $1k in the savings account before investing. I haven't set up the investments yet, I'll have to see if the 3 basis point fee applies in our accounts.
by perl
Sat Feb 25, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Cloudbleed Bug
Replies: 14
Views: 1685

Re: Cloudbleed Bug

It's important to realize how this is different from many widely publicized data thefts: in the past, hackers typically stole encrypted passwords, and the danger was that poor passwords could be determined. In this case, affected sites could inadvertently release plain text passwords. If you have an...
by perl
Thu Feb 16, 2017 1:16 am
Forum: Investing - Theory, News & General
Topic: Flat or sublinear fund expense instead of percentage
Replies: 9
Views: 821

Re: Flat or sublinear fund expense instead of percentage

I've wondered about this at times. Suppose you're comparing relatively large accounts in the same share class. One has $50k in an S&P 500 index fund, and the other has $500k. Since some costs are fixed per account, independent of account size, does it really cost Vanguard 10 times as much to dea...
by perl
Thu Feb 09, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house addition/HELOC?
Replies: 29
Views: 1865

Re: Can I afford a house addition/HELOC?

I think this plan is a good one. You have a high income and a high savings rate, and live in a high cost of living area. Making the decision to improve your quality of life to have more space with young kids is a reasonable decision to make.
by perl
Sat Feb 04, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Portfolio Planning, including TIAA-CREF
Replies: 12
Views: 1073

Re: Help with Portfolio Planning, including TIAA-CREF

How about something like: 30% Large U.S. - Vanguard institutional index orbSchwab total stock in IRAs 20% International - Vanguard total international 10% Real estate - TIAA real estate 20% Bond-ish guaranteed - TIAA traditional 20% Bond - Vanguard total bond That simplifies things to only 5-6 funds...
by perl
Thu Feb 02, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Employer denying HSA to eligible employee
Replies: 35
Views: 3772

Re: Employer denying HSA to eligible employee

Finally, we do not know why company has changed this policy. The OP can tell us more about the circumstance. My interpretation is the partner had enrolled separately in the health plan and in the HSA last year. After the first payroll in 2017, when the partner asked why the HSA deductions stopped, ...
by perl
Wed Feb 01, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Employer denying HSA to eligible employee
Replies: 35
Views: 3772

Re: Employer denying HSA to eligible employee

To answer the questions: jeremyi, partner is not highly compensated, he actually makes less than I do. They gave no justification, just that it wouldn't be allowed anymore. Nate79, it's only one family health insurance plan, which (I believe) is the problem. My employer allows health insurance benef...
by perl
Wed Feb 01, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Your thoughts on an aggressive asset allocation
Replies: 29
Views: 3193

Re: Your thoughts on an aggressive asset allocation

I suggest reading Larry Swedroe's recent book on factor investing before making any final decisions.
by perl
Wed Feb 01, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Employer denying HSA to eligible employee
Replies: 35
Views: 3772

Re: Employer denying HSA to eligible employee

Just a thought, but I think it might be 1 family health ins policy. =. 1 family HSA. It seems like you are double dipping. If your partner also pays for. Health insurance on a family policy, I bet he could do the family HSA. What you wrote - 1 policy means 1 HSA - is an IRS requirement for married ...
by perl
Wed Feb 01, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Employer denying HSA to eligible employee
Replies: 35
Views: 3772

Employer denying HSA to eligible employee

My employer provides HSAs to employees with high deductible health insurance. The employer doesn't contribute funds, but does take contributions pre-tax and pays the fees for the Optum HSA ($2.50 per month and a lower cash requirement). Recently the employer informed my partner that he will no longe...
by perl
Sun Apr 10, 2016 1:37 am
Forum: Personal Finance (Not Investing)
Topic: HSA Contributions - taxable or not taxable?
Replies: 20
Views: 1927

Re: HSA Contributions - taxable or not taxable?

I used to use a CPA who was someone family used. He made multiple mistakes on my taxes. I caught some of them, but I missed one and it cost me an IRS review, back taxes, and a penalty. I switched to Taxact. It doesn't cost much and is less likely to make errors.
by perl
Fri Apr 01, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 6101

Re: do you do airbnb ??

I used to use it. Then I had a host change their mind about renting to us the day before we arrived. Airbnb allows hosts to cancel at minimal or no cost. It really messed up our trip. Never again. If a host cancels one day before arrival, it will automatically show up in their reviews forever. So t...
by perl
Thu Mar 31, 2016 11:30 pm
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 6101

Re: do you do airbnb ??

I used to use it. Then I had a host change their mind about renting to us the day before we arrived. Airbnb allows hosts to cancel at minimal or no cost. It really messed up our trip. Never again.
by perl
Thu Mar 31, 2016 11:05 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 23126

Re: Tesla Model 3 anyone?

So did anyone register today?
by perl
Mon Mar 28, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1235

Re: What to do with old TIAA 403b?

I agree that TIAA Traditional could be a good option. TIAA Traditional is an unusual fixed-income-like option, but with restricted liquidity and a guaranteed interest rate. Here's a link someone posted for me when I was trying to understand it recently: m Which version of TIAA Traditional is it - wh...
by perl
Sat Mar 26, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 23126

Re: Tesla Model 3 anyone?

We are considering it. We're in Colorado, which has it's own EV tax credit.

Where can I read the federal tax rules? The $7500 credit is only on the first 200k sold per model? How does it work?