Search found 154 matches

by rebellovw
Sun Aug 20, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 12127

Re: I own no international stocks. Can you guess why?

This last little drop wasn't too bad - my international, bonds and company stock were slightly up. I'm at about 12% and I may increase that.
by rebellovw
Fri Aug 18, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 152
Views: 12677

Re: Jobs that pay over $100,000

Pimping ain't easy
by rebellovw
Thu Aug 17, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3822
Views: 1001670

Re: U.S. stocks in freefall

I just checked and one of my monthly automatic buys is set to buy today - nice timing. http://1.bp.blogspot.com/-JNnY0dh1z4o/VWLguNqgimI/AAAAAAAAFV0/XhI7So1Uzrs/s320/falling_knife.gif I understand the whole market timing piece and that is not what I'm doing - it is just nice when your autobuy occur...
by rebellovw
Thu Aug 17, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3822
Views: 1001670

Re: U.S. stocks in freefall

I just checked and one of my monthly automatic buys is set to buy today - nice timing.
by rebellovw
Thu Aug 17, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2599

Re: popcorn ceiling, removal or drywall over it?

Just scrape off and have a pro do a nice texture. Google it.
by rebellovw
Thu Aug 17, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: RSU taxes
Replies: 7
Views: 445

Re: RSU taxes

I also get RSUs once a year. I'm taxed as income - ex - if I get 10K in RSUs - same as getting 10K in income. You salary goes up by 10K.

if you sell them at a loss - then you would declare that as well - but first and foremost - they are income and given to you.
by rebellovw
Mon Aug 14, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 76
Views: 5484

Re: How useful is a home security system?

I've never activated a security system although I have had houses that had them installed. Partly because I am cheap. Partly because I don't have anything much other people don't have- maybe a smaller TV than some. Partly because I have lived in places sort of upscale so I would have to be randomly...
by rebellovw
Mon Aug 14, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Car accident - dealership body shop or independent?
Replies: 17
Views: 834

Re: Car accident - dealership body shop or independent?

The paint on your GTi isn't enamel or lacquer. It's likely a urathane based paint which is different from either of these. I don't know what state the shop was in but painting lacquer is illegal except for furniture in a lot of states. Newer cars use a water based paint. Enamel would be used for th...
by rebellovw
Mon Aug 14, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Car accident - dealership body shop or independent?
Replies: 17
Views: 834

Re: Car accident - dealership body shop or independent?

When I was heavy into cars - I'd ask around and find out the best autobody shops. I learned the hardway by not doing that when my beautiful Black GTI had the front end smashed - and I used the Insurance body shop - and they used Lacquer based black paint on the front of the car (they replaced hood a...
by rebellovw
Mon Aug 14, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 76
Views: 5484

Re: How useful is a home security system?

Son could have mentioned it to friend and said friend or friend's brother, crazy sister or other acquaintance could have done the deed.
by rebellovw
Mon Aug 14, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 76
Views: 5484

Re: How useful is a home security system?

It came across that way to me based on your description that they knew about the safe.
by rebellovw
Mon Aug 14, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 76
Views: 5484

Re: How useful is a home security system?

I have two large dogs - I started with one and them my wife's ex boyfriend (from over 20 years ago) started stalking and calling - so I got a second dog for redundancy. They are like velociraptors - very quiet and then then are on you. Now I love them so much they are like my children - I'd probably...
by rebellovw
Fri Aug 11, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Career Decision - HCOL area vs. LCOL area
Replies: 13
Views: 1442

Re: Career Decision - HCOL area vs. LCOL area

You are too young in my opinion and being single I would think D.C. would be more fun.
by rebellovw
Fri Aug 11, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Career Decision - HCOL area vs. LCOL area
Replies: 13
Views: 1442

Re: Career Decision - HCOL area vs. LCOL area

My first question would be how old are you? Are you at the start or towards the end of your career? I left the HCOL area and moved to LCOL area. I did this in 2012 - when I was about 48 - my job gave me the ability to work from home and I've done it ever since. I left the Bay Area in CA - very expen...
by rebellovw
Tue Aug 08, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell my Company Stock below the cost basis for the tax benefit?
Replies: 4
Views: 429

Re: Should I sell my Company Stock below the cost basis for the tax benefit?

You should sell not for the the tax benefit but to avoid future tax cost - if your goal is not to have this exposure anyway then no reason to wait. Do not make the mistake of anchoring on the price that happens to be the cost basis - other than for tax purposes, that number is irrelevant to any dec...
by rebellovw
Tue Aug 08, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell my Company Stock below the cost basis for the tax benefit?
Replies: 4
Views: 429

Should I sell my Company Stock below the cost basis for the tax benefit?

I received some RSUs and the cost basis is about a 1.00 over the current price. I've always sold the stock at the cost basis or slightly over to convert to TSM. I'm wondering if I should just sell and log the capital loss - since I am going to have some major capital gains and some high tax based on...
by rebellovw
Mon Aug 07, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: How or if to use TIAA annuity
Replies: 32
Views: 1888

Re: How or if to use TIAA annuity

Hmm don't talk with them as they will push something and the 15 page doc is confusing... can't folks simply post the product they bought so there are no mistakes? I'm definitely interested but afraid of making a mistake. Thanks.
by rebellovw
Fri Aug 04, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: insurance or self-pay?
Replies: 22
Views: 1867

Re: Car accident: insurance or self-pay?

Here is a kinda funny story - I have Allstate and they haven't raised my rates for various issues. Here was my last: Son and I at Home Depot in Oakland, CA of 880 - my son was driving our truck - and in the parking lot was pulling out - and rubbed up against a car next to us. I'm like @#$#? - I get ...
by rebellovw
Fri Aug 04, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Any TLH consideration when choosing Total Stock Market ETF for taxable account
Replies: 4
Views: 401

Re: Any TLH consideration when choosing Total Stock Market ETF for taxable account

At Fido I use FSTVX and re-invest the dividends into FSTVX automatically - which is a nice feature of the mutual fund. Dividends with FSTVX aren't as frequent as my VTI ETF - that is the main difference and the price of course.
by rebellovw
Fri Aug 04, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can my wife afford to stay home?
Replies: 36
Views: 2138

Re: Can my wife afford to stay home?

I found that when my wife stayed home with the kids (bay area many years ago) that we saved much more money and with her on the bills - she was able to catch mistakes that we otherwise would have missed.

It worked out fine and it is her decision on how and when to go back to work.
by rebellovw
Fri Aug 04, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Options and Awards
Replies: 9
Views: 559

Re: Stock Options and Awards

I see it as - they are at a value that guarantees you a sizable income - sure they could go way up in the future - but they could also go underwater - so I exercise and replace with FSTVX - if they did happen to go up (which they did) so likely will FSTVX and i've already taken the tax hit - so they...
by rebellovw
Fri Aug 04, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Stock Options and Awards
Replies: 9
Views: 559

Re: Stock Options and Awards

I never keep my income (salary) and my investments in the same pot. I exercise them, take the money and run to VTI. Usually on the day they mature. I do the same thing - when the stock price is at a point where I'll get a nice return - I'll sell and move the proceeds into Total Stock Market - FSTVX...
by rebellovw
Fri Aug 04, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Fence Boundary Issue
Replies: 24
Views: 1666

Re: Fence Boundary Issue

Sounds pretty clear - you need to move your fence.
by rebellovw
Fri Aug 04, 2017 8:09 am
Forum: Investing - Theory, News & General
Topic: Dow up-Total Stock Market Index Fund Down??
Replies: 14
Views: 1218

Re: Dow up-Total Stock Market Index Fund Down??

RadAudit wrote:Don't watch the Dow. Look at the S&P 500 and the Nasdaq (sp?). If both of those are up and TSM is down, and it isn't toward the end of the quarter, let us know.
That happened a few days ago the 3 were all up yet VTI was down a few cents. I thought it was strange
by rebellovw
Wed Aug 02, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Plumbing problem hose bibb
Replies: 9
Views: 837

Re: Plumbing problem hose bibb

Do you have old galvanized pipes? The crust up pretty bad near hose bibs valves.
by rebellovw
Wed Aug 02, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Cabins - "investments" or "consumptive purchases"
Replies: 38
Views: 2954

Re: Cabins - "investments" or "consumptive purchases"

I really want one - but I keep thinking - I can just use someone elses for a couple hundred bucks on a weekend - and then walk away - I have no further duties/responsibilities.

I love the idea - but I think it is better to not be tethered.
by rebellovw
Wed Aug 02, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: belts for dress pants
Replies: 37
Views: 2289

Re: belts for dress pants

Yep - I do the same thing - keep it simple I'm not into fashion at all and it totally bores me.
by rebellovw
Wed Aug 02, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2172

Re: Sunroom Worth It?

Depends on the house - they can really make a house look cheap. It was a major turn off when we were looking to buy.
by rebellovw
Wed Aug 02, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: 403(B) 0.77 admin expense no matching
Replies: 8
Views: 566

Re: 403(B) 0.77 admin expense no matching

The small fees erk me as well. My wife is a teacher with a 403b at Fidelity and each month I see a few bucks taken out in various admin fees which I absolutely do not see in my Fidelity Accounts (Tax, Ira, 401K)

[OT comment removed by moderator prudent]
by rebellovw
Wed Aug 02, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: belts for dress pants
Replies: 37
Views: 2289

Re: belts for dress pants

Belts should match shoes. Ex black leather belt - then black leather shoes - likewise Brown leather belt- brown leather shoes. Don't mix colors.

That is all I got.
by rebellovw
Mon Jul 31, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 2627

Re: Filling bookshelves cheaply

obgraham wrote:So wait, we're giving this guy advice on how to look phonier than he already might be?
Yes.
by rebellovw
Mon Jul 31, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 2627

Re: Filling bookshelves cheaply

I really can't imagine going looking for useless stuff to acquire. At some point you will realize that getting rid of stuff is the aim. Those bookshelves are dinosaurs. Put some family and vacation photos in some of them, some personal knickknacks, some art items. Put a plant light in there with ca...
by rebellovw
Mon Jul 31, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 2627

Re: Filling bookshelves cheaply

Call a model home development - they have tons of cardboard stereos and fake books.
by rebellovw
Tue Jul 25, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Rhoombas, Home Mapping and Privacy
Replies: 15
Views: 1149

Re: Rhoombas, Home Mapping and Privacy

I'd be more concerned working at the tech company that wants to implant a device in your right hand. I do things with my right hand that I'd rather keep secret.
by rebellovw
Sat Jul 22, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8912

Re: Is Amazon Prime worth it?

Totally worth it - we use it all the time and also for video. This site had me buy a Costco membership which both my wife and I absolutely hate. There is nothing at Costco worth driving out to dealing with. I can buy any time and have it brought to my doorstep.
by rebellovw
Mon Jul 10, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 24
Views: 1407

Re: Most Effective Rat Poison

Traps all the way. I use those black plastic jaw traps - that are reusable. You setup 3 - so that as the rat trips one - it flops into another and is fully caught.

Rinse and repeat.

Poison is a terrible way to do it and could affect other animals.

Seal all holes where rats get in.
by rebellovw
Sat Jul 08, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6741

Re: Shopping for first bike since I was a kid

Hybrid city bike sounds like what you may be looking for. Check out the Giant/trek/specialized versions. Good for street and with side bags shopping.
by rebellovw
Sat Jul 08, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6741

Re: Shopping for first bike since I was a kid

Main advice is don't go cheap. Stick to shimono/sram middle grade or higher drive trains.

Cheap drivetrains can be dangerous.
by rebellovw
Sat Jun 24, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4604

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

Silverado wrote:
rebellovw wrote:How do credit card companies make money when they offer 2% cash back and you always pay your full bill - meaning no interest?


Um, not the same scenario at all


Um - sure it is - they both make money off of others. triceratop said it above perfectly.
by rebellovw
Sat Jun 24, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4604

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

Lieutenant.Columbo wrote:
LiveSimple wrote:if I have Fidelity account, how does, Fidelity, makes money when I hold all Vanguard funds and ETFs
why do you have your Vanguard holdings at Fidelity?


Why not? I only have a fidelity account and I have VII, VTI, VOO and a couple of others - along with Fidelity equivalents.
by rebellovw
Sat Jun 24, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4604

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

How do credit card companies make money when they offer 2% cash back and you always pay your full bill - meaning no interest?
by rebellovw
Tue Jun 20, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 3470

Re: Liability with dogs, hypothetical

Yeahh - ok - I'm going to call my insurance everytime something comes up that they didn't ask about. Hey insurance - I'm going to go out to dinner tonight - I might have a drink perhaps two - FYI! Hey insurance - I'm going to use this rented chainsaw to trim a tree or this nail gun - FYI! If you le...
by rebellovw
Tue Jun 20, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 3470

Re: Liability with dogs, hypothetical

Invisible fences might not be foolproof, but other than initial issues with a Beagle, we've had 15 years of keeping our dogs where they belonged. We have LOADS of prey going by, all the time, but the dogs don't cross the line. Yeah, that's all great until your dog crosses the line. It happens. Past...
by rebellovw
Tue Jun 20, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 3470

Re: Liability with dogs, hypothetical

mhalley wrote:Maybe instead of a no trespassing sign, a beware of the dog sign?


Don't put up any beware of dog signs as that implies the dog is something to be worried about. Keep they signs like - stay off property - private property - no tresspassing.
by rebellovw
Tue Jun 20, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 3470

Re: Liability with dogs, hypothetical

Wonderful and loving dogs. Get yourself a real fence - don't trust the electrical fence as it could easily go down.
by rebellovw
Tue Jun 20, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 8756

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

They have increased the rate in my savings Im hoping they will increase this as well. Likely nothing needs to be done.
by rebellovw
Mon Jun 19, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 4081

Re: Want to downsize, see "to do" list. What to tackle first?

Check out Zillow and the other popular Realestate sites and get the best reviewed realtor you can find and try and hire them. They should be able to tell you want needs to be done and in what order to sell your house fast and for a great price. Don't try to figure it out yourself - you will likely c...
by rebellovw
Sun Jun 18, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 5432

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Also the seller lowered the price - and can continue to lower the price to attract a second buyer - they have time since they know you are interested - once they get another offer - they will be in a better position.