Search found 2754 matches

by rob
Sun Jul 23, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Treadmill Desk
Replies: 4
Views: 386

Re: Treadmill Desk

The old hospital tables sound like an idea solution.... swing around when not needed. For straps.. maybe those cable velcro things - front sticks to back? I also have some VERY big twist ties - like 2 foot long with real wire inside.... They could also work (you can screw one to the other if you nee...
by rob
Sun Jul 23, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost Roth IRA contribution
Replies: 7
Views: 250

Re: Low cost Roth IRA contribution

I think Vanguard Star is still 1K min (check... that might have changed). If not check Fido, TRowe and TIA as I believe they will open for low with a regular deposit...
by rob
Sun Jul 23, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Should I combine 401k and IRA accounts?
Replies: 4
Views: 335

Re: Should I combine 401k and IRA accounts?

You would not have to deal with 2 sets of people at Vanguard.... Depends very much on the 401k plan. There are some potential liability protection differences. You can take money from IRA's before retirement without fees - see SEPP (there are catches).
by rob
Sat Jul 22, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Scanner compatibility with Mac Sierra OS
Replies: 2
Views: 163

Re: Scanner compatibility with Mac Sierra OS

If that does not work... Try Vuescan - It can get to most scanners (I THINK they had a free trial to see that everything works before you buy).
by rob
Wed Jul 19, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Those Of You In a HCOLA - What's Your Financial Plan
Replies: 55
Views: 4672

Re: Those Of You In a HCOLA - What's Your Financial Plan

xxx This always throws me off because I could never do it on that money. Then comes the rub - their living expenses are really low, usually because they are living in a low cost of living area. xxx I'm in one of those on your HCOL list - Bottom line is that sometimes we don't "max" everyt...
by rob
Wed Jul 19, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: avoiding capitol gains tax
Replies: 7
Views: 684

Re: avoiding capitol gains tax

Get the info yourself - demand a cost basis report.

Even if true and no transfer in kind.... 10K short-term in 1 year likely you have been paying a LOT more in turnover etc..... Just pay the piper :shock:
by rob
Wed Jul 12, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign earned income exclusion for Corporations?
Replies: 4
Views: 161

Re: Foreign earned income exclusion for Corporations?

US Citizens are taxed by the IRS on global income.
by rob
Tue Jul 11, 2017 9:23 pm
Forum: Investing - Theory, News & General
Topic: Child Roth IRA advice: hiring your kids to model for your website
Replies: 14
Views: 1237

Re: Child Roth IRA advice: hiring your kids to model for your website

Under an audit do you think any of this would appear to be income shifting? If you hired unrelated children, would the costs be the same?

If the kid is earning income from a 3rd party, I see no issues (I do a custodian Roth for my kid that earns income from a multinational company).
by rob
Tue Jul 11, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4861

Re: $1368 for new shocks/struts on '05 Corolla?

I would not put that much into an 05 Corolla with 130K miles on full stop..... As others say, buy the assembly if you really need it done as it's DIY friendly mostly.
by rob
Sat Jul 08, 2017 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody retired and relocated + bought a new house?
Replies: 26
Views: 2513

Re: Anybody retired and relocated + bought a new house?

Depending how much appreciation, you might also need to pay capital gains on the old house.
by rob
Thu Jul 06, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: Should Indexers give up their voting rights? Bill McNabb says "No"
Replies: 8
Views: 994

Re: Should Indexers give up their voting rights? Bill McNabb says "No"

Actions speak louder than words Vanguard's voting history is generally along the lines of the companies management (like a train :-) ).....
by rob
Thu Jul 06, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4081

Re: Anyone bought a Pixel?

I'm torn.... I LOVE the Fi service and traveling options outside the US. I have a Nexus 5x phone and it's meh... Lots of bugs with either the phone or android (non responsive buttons so cannot answer phone sometimes, poor apps like default dialer, slow camera, music app that insists on playing when ...
by rob
Wed Jul 05, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy Help: MAGI to go above IRA limits soon
Replies: 7
Views: 722

Re: Strategy Help: MAGI to go above IRA limits soon

I feel your pain on the no back door..... First off; you CAN contribute to a traditional IRA but you cannot deduct the contributions. Still a decent option if you need more bond space. Otherwise, taxable is the way forward and arrange to have low turnover stock and rebalance in the other tax advanta...
by rob
Wed Jul 05, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: To shred or not to shred, that is the question
Replies: 17
Views: 1771

Re: To shred or not to shred, that is the question

BBQ / Fire starters until the next shredding event :-)
by rob
Sun Jul 02, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Childless couple - want siblings to inherit after we both go
Replies: 36
Views: 3411

Re: Childless couple - want siblings to inherit after we both go

If you have separate accounts (sounds like it); so title each set to a pair of trusts with their own distribution.... What am I missing?
by rob
Sat Jul 01, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Those who max 401k
Replies: 55
Views: 6723

Re: Those who max 401k

Obviously depends... For me the contribution is a percentage and catchup needs to be defined in dollars (no idea why) with the match only against the contribution not catch-up. I front load the catch-up and just spread the contribution evenly over pays so I max the match, although they have a true-u...
by rob
Wed Jun 21, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Used cars in high demand
Replies: 16
Views: 2048

Re: Used cars in high demand

You forgot the :D I get that a lot also... I guess we both picked "investment" cars :shock:
by rob
Mon Jun 19, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 61
Views: 3734

Re: Good camera - new baby coming

If your asking the question - mobile phone is the answer. Look at some services that auto print mobile phone pictures into a book or alike. Personally, I've had SLR's around the house for years and most of the pictures of the kids I love are from one SLR or another...... but you have to have the int...
by rob
Mon Jun 19, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 5397

Re: Alternatives to Amazon

Unfortunately the days of great delivery from Amazon are just gone (and I'm a prime member). You could try Jet - they don't have everything but I have been pleased when I bought from them. Target has been good for me. If your into electronics B&H is amazing, AMAZING.
by rob
Wed Jun 14, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.
Replies: 50
Views: 7769

Re: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.

but the parent's living expenses are high and will likely include college expenses about a decade from now. As other replies, depends how high.... Figure 3-4% off the nest egg and compare to burning costs. The one thing I had to comment on - sometimes you have to accept that the kid might not get t...
by rob
Mon Jun 12, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Name Change After Getting Married
Replies: 17
Views: 2010

Re: Name Change After Getting Married

It would depend on what it is.... Getting on an international plane with a mismatched passport & Global Entry or alike would likely be an issue given the logic of "security"..... Credit cards are not likely to matter much.
by rob
Mon Jun 12, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Advance career or take more time off in late 30s?
Replies: 15
Views: 1815

Re: Advance career or take more time off in late 30s?

I did a lot of traveling while young and don't regret it..... Would I be further up the ladder without it - maybe, maybe not. I'm always shocked at the number of people that name their company when you meet them socially - I guess where I work is not part of my identity. No one on their death bed ev...
by rob
Mon Jun 12, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: Just When You Thought It Was Safe To Go Into The Water
Replies: 3
Views: 1150

Re: Just When You Thought It Was Safe To Go Into The Water

Surprising? Shocking? What makes you think that watered down rule change was going to help......
by rob
Sun Jun 11, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: [Laser] diffusers - illegal? Too good to be true
Replies: 15
Views: 1355

Re: Radar diffusers - illegal? Too good to be true

Bah; this is a conservative crowd.... I believe that laser and radar diffusers are different - one legal and the other not... It's obviously legal since it'd been offered by a dealer. I expect it's just a rip off detector mostly (which are also legal). You might find different laws for different sta...
by rob
Tue Jun 06, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 - Where's the Love?
Replies: 29
Views: 2843

Re: Fidelity 529 - Where's the Love?

I think they offer a great plan... Low cost index funds, 2% cash back on my main credit cards and new for 2017 a SMALL state tax deduction for MA residents.
by rob
Tue Jun 06, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: EZPass not read, rental car, high fee
Replies: 18
Views: 2190

Re: EZPass not read, rental car, high fee

TheGreyingDuke wrote:I did NOT register the rental's tag number with EZPass if that seems relevant.

They will just tell you to register the tags :-/
by rob
Tue Jun 06, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Traveling for 3 weeks
Replies: 17
Views: 1628

Re: Traveling for 3 weeks

Hold the mail so the mailbox does not fill up - easy to do online and free for some period of time (you pick how to get the backlog but I always have them just deliver on the next day).
by rob
Mon Jun 05, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 7217

Re: Flying first class, business, versus economy.

Another is to try to get a seat in the front row of the economy section. The only drawback to either is that there is no under-the-seat storage space allocated for either choice, all carry-on must go in the overhead. One other downside: passengers with an infant-in-arms are often assigned bulkhead ...
by rob
Mon Jun 05, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: laptop advice
Replies: 20
Views: 1252

Re: laptop advice

In that case windows itself would be the most resource hungry thing your running. Anything from an I3 (or AMD equal). I would do the SSD for whatever size you think you will use in email and saved files and double whatever min memory windows currently thinks it needs (gives you some wiggle room as n...
by rob
Mon Jun 05, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: laptop advice
Replies: 20
Views: 1252

Re: laptop advice

- Will you always be on WiFi? Have you considered a Chromebook? - What is the purpose? If video edit stuff then need faster GPU&CPU&Memory, If just email/surfing, it will make little difference. - SSD will make more of a speed feeling than almost anything else, especially on lower end machin...
by rob
Mon May 22, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 9547

Re: Net worth is overrated

I am more interested in how much income I can generate in retirement and what my projected expenses are than in net worth. This is it for me... I don't care about the traditional version of "net worth" (never calc that one) but I care about investment accumulation set aside for retirement...
by rob
Sat May 20, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: What do you think about this asset allocation?
Replies: 12
Views: 1073

Re: What do you think about this asset allocation?

I have never bought the age thing..... Depends on need (savings vs. est expenses in retirement) and risk tolerance....
by rob
Thu May 18, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: 401k excess contribution/highly compensated employee
Replies: 17
Views: 1154

Re: 401k excess contribution/highly compensated employee

Yeah it sucks.... and it's nothing to do with actual highly compensated employees.... My last few companies have limited the percentage.... so the really highly paid employee don't care as they can reach the IRS max with a reduced percentage. The whole thing is just broken and need to be fixed but i...
by rob
Wed May 17, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 6171

Re: Convince me to get back into stocks!

What if the market goes up 25% before it experiences a 15% drop? That would be fine. All I want is for it to drop by 15 percent so i cam buy. lol... Sure... Might want to do some math on that :D Assuming it's not a troll... Stay OUT of the market - read - build a plan - invest as per that plan - go...
by rob
Sun May 14, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 3853

Re: Switxh from iPhone to Google Fi and Pixel?

I have had Fi for a bit over a year with a Nexus.... - Love it; I rarely use data due to available WiFi. - Call quality is good and seamlessly switches providers. - I've used it outside the US with no issues. - You don't have to use the fingerprint reader on back - use a pattern on front OR finger p...
by rob
Fri May 12, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4580

Re: Best cities for older tech workers?

....but quick searches in those cities on Indeed returned significantly fewer job postings, which concerns me...... You only need 1 job listing :-) Raleigh is probably the best on your list.... The state has been aggressive on the bribes... sorry incentives to get companies into the research triang...
by rob
Fri May 12, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: Goofy idea - moving 401k to money market each weekend
Replies: 15
Views: 1712

Re: Goofy idea - moving 401k to money market each weekend

Likely limits on nbr of txn... but even so the price change by EOD Monday (best case) of you buy back in will dwarf any interest.
by rob
Sun May 07, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Uses of Debt
Replies: 21
Views: 2411

Re: Uses of Debt

...why not use debt as an emergency source of funds, to avoid paying the opportunity cost of a 3-6 month insurance policy? The issue with something like a HELOC is that it might get removed in the case of something like a financial crisis or hitting a job loss (which can correlate with financial cr...
by rob
Sat May 06, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: sump pump issue
Replies: 13
Views: 1437

Re: sump pump issue

A Zoller is a great brand... Keep in mind that a sump pump is not running that much in a lot of cases. I would replace the check valve and buy another pump and leave in the box in the basement - I would suggest one that has a battery back-up so it works for a while with no electricity. I would also ...
by rob
Sat May 06, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401k administrator requiring net worth
Replies: 40
Views: 2948

Re: 401k administrator requiring net worth

djpeteski wrote:
Of course, the current administrator has recently been forced to pay $10 million in fines for shady dealings in retirement accounts:


So the solution for shady dealings in retirement accounts is to ask you personal information?!?!? :oops:

Bet it make marketing easier with that type of data :D
by rob
Sat May 06, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3462

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

I don't see the point of student loans and dropping 401K contributions you miss out on the match. I think a HELOC is the obvious answer..... Cut expenses as much as possible and try to keep the HELOC as low as possible (it can cover emergency sans loss of your job, so you can lower that). There is s...
by rob
Sat May 06, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Anyone following the latest in Bitcoin and cryptocurrency news?
Replies: 11
Views: 2568

Re: Anyone following the latest in Bitcoin and cryptocurrency news?

There has to be a cyber currency in the future... I suspect the days of nationalist currencies will reduce in popularity for online and maybe cross border transactions (baring some legislation). Now which one is like picking the surviving railway company - it may or may not yet exist and it may or m...
by rob
Sat May 06, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 3328

Re: How to get out of a apartment renter lease? They want $3,600

Gill wrote:Does it really matter where it comes from? The landlord could call it two month's rent, pay me $3,600 and I'll return your security deposit.

While it sounds silly... In some places it does. There are rules on security deposits in some locations.
by rob
Sat May 06, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7987

Re: Stay home with kids?

I'll answer this way.... Mid 30's, barely started work and almost SEVEN MILLION dollars - When you have won the game why keep playing? What's the long term plan here? Make it to 20M, 25M?
by rob
Tue May 02, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Minimalist May
Replies: 21
Views: 2198

Re: Minimalist May

Check for local hangouts/meetups.... I have found a few on areas of my interest that are free.
by rob
Tue May 02, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401k administrator requiring net worth
Replies: 40
Views: 2948

Re: 401k administrator requiring net worth

Ya know... Your right on not giving this but think of the bigger picture here..... Do you really want to start pushing back on the employer for something this minor?

Make up some numbers that are not obviously a lie and move on.
by rob
Tue May 02, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 27294

Re: Where to Live on $60K or Less a Year?

How about Albuquerque NM? I've been looking at it as a potential retirement location.... I'd be interested in your summaries of the list you already have....
by rob
Sun Apr 30, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 38
Views: 4158

Re: Why I'm tempted to fix things myself; it's not about the money

Generally I'm willing to outsource this work because it is more cost effective for me to work and then pay others. But the professional standards or lack thereof of these businesses is so poor it makes me crazy. It makes me want to do the work myself. Yes I hear ya.... I've recently had a dishwashe...
by rob
Fri Apr 28, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 108
Views: 11425

Re: Vanguard has switched to brokerage only accounts

The conversion is a great concern of mine. My employer will not allows me to hold brokerage accounts with outside firms. If Vanguard tried to do this I would have to close all accounts and transfer the assets away. If Vanguard forces this on me it would be a major negative event in my life. This is...

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