Search found 2373 matches

by rob
Thu Apr 28, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Saving Too Much in Retirement Accounts?
Replies: 24
Views: 2528

Re: Saving Too Much in Retirement Accounts?

Make sure your not missing out on any match by maxing early in the year - sometime they match by paycheck and you miss out when you contribute zero for the 2nd part of the year.
by rob
Wed Apr 27, 2016 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investing after tax dollars
Replies: 5
Views: 525

Re: Investing after tax dollars

Buy ONLY tax efficient funds - total mkt, s&p500 etc.
Rebalance elsewhere.
Tax loss harvest when possible.
No real avoidance but cap gains can be 0% if your in a low tax bracket.
by rob
Wed Apr 27, 2016 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: How many financial accounts to maintain?
Replies: 30
Views: 2613

Re: How many financial accounts to maintain?

My hats off to you guys with a handful of accounts - we have a stack. Just in the investment part we each have 3 IRA's, her 403B, my 401k and some brokerage accts due to stock options at different places, some utma's and some 529 plans. Rebalancing is a giant pita and we have overlapping funds all o...
by rob
Wed Apr 27, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Buy used or new? Which of these small SUVs are best for families?
Replies: 36
Views: 1901

Re: Buy used or new? Which of these small SUVs are best for families?

I've driven all of those on your list and far prefer the Mazda... but it's all personal preference, so not sure what that adds. A minivan is far far easier with kids.
by rob
Wed Apr 27, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: Who's used Extended Stay hotels?
Replies: 27
Views: 2093

Re: Who's used Extended Stay hotels?

btenny wrote:Rob why don't you use your cellphone as a hot spot?

4G ~ 10Mbps (usually 1/2 of that from a hotel room) vs. WiFi (802.11n) ~ 300Mbps (long-stay places I use tend to be in the 150+ range) :D
by rob
Tue Apr 26, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: Who's used Extended Stay hotels?
Replies: 27
Views: 2093

Re: Who's used Extended Stay hotels?

My question is unless you plan to cook your meals in the room, why not just use a standard hotel? For me I'm traveling for a few days each week so it's the space and having some place where I don't have to see my luggage :D. These places have a couch with tv so I can relax, order takeaway, do some ...
by rob
Tue Apr 26, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Just a nice girl trying to rebalance on my own.
Replies: 7
Views: 1425

Re: Just a nice girl trying to rebalance on my own.

It's easy to move from 80 to 90 in a generally up market in the last few years (even the drops have been short)..... Have a look at some past figures and see how much it can drop and for how long... are you sure you would stay with the same allocation if it dropped x%. Convert that percent to dollar...
by rob
Mon Apr 25, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 52
Views: 2663

Re: Best drill/driver for home use

I love the impact drills for screwing in screws, but you need a regular drill for making holes.
by rob
Mon Apr 25, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: Who's used Extended Stay hotels?
Replies: 27
Views: 2093

Re: Who's used Extended Stay hotels?

I've stayed at a number and the best one was Residence Inn (I think it's one of the Marriott brands).... They are all pretty much the same - but I find them better than regular hotel even for a few days.
by rob
Mon Apr 25, 2016 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why have a formal budget?
Replies: 82
Views: 4639

Re: Why have a formal budget?

I never have and still don't but it does help knowing expenses when projecting retirement income needs. I still don't do a budget but I have a spreadsheet of rough expenses just so I could get to an income guess [I actually have a pair of numbers - basic needs and then a preferred one]..... it's jus...
by rob
Mon Apr 25, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 46
Views: 2015

Re: Off to Australia - need advice

That's a whirlwind tour..... I would think seriously about cutting down the destinations :shock: A week in Sydney and surrounding would make a decently paced trip.
by rob
Mon Apr 25, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with the "waiting game"
Replies: 26
Views: 3281

Re: Dealing with the "waiting game"

If you like the plan leave it alone and get a non-financial hobby. Okay, they are at odds a little but a cost controlled hobby might be your best financial plan if it stops you tinkering with portfolio :D
by rob
Mon Apr 25, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: PhD gift ideas
Replies: 17
Views: 894

Re: PhD gift ideas

Kosmo wrote:What about some trinket of history from the specific time period he's studying?

I think this is a great idea - even if you have to do a well made repro if his area is expensive.
by rob
Mon Apr 25, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: Silly things you can do with your Apple Watch
Replies: 7
Views: 1125

Re: Silly things you can do with your Apple Watch

I hear some people use it to tell the time :D

Does not seem up to the expected Apple standards. I don't see the point of a tiny screen for much.... reminders from calendar, fitness usages, Unlocking your car maybe.
by rob
Sun Apr 24, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 3824

Re: Pros/Cons of Condo Living?

Steelersfan wrote:I live in and am a board member in our 44 unit condo.

This has been my worst experience with condo's..... I know people get great groups of board members but some - like my experience - are just power hungry fruit cakes.
by rob
Fri Apr 22, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401K
Replies: 12
Views: 686

Re: Roth 401K

You will still be able to contribute to the Roth 401K regardless of income..... although as above, it might or might not be the best plan based on your tax rate. There is some benefit in my view to tax diversification, so that might come into this.
by rob
Fri Apr 22, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 4501

Re: Got laid off, when can I file for unemployment?

JD2775 wrote:This may be a stupid question....

But say you have 150k in a 401k, can you really just roll that into a existing/new IRA account? Does the $5500 limits not apply in that situation?

Rollovers don't count against the annual contribution limits.
by rob
Fri Apr 22, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Good source of taxes by state in Retirement?
Replies: 7
Views: 973

Good source of taxes by state in Retirement?

I see lots of sites that purport to show this info BUT none I can find have the bottom line info I'm looking for. Some states don't tax social security, some exclude RMD's from IRA's, some add a use or other taxes, some have certain exclusions for >65 years etc etc The real calc would need a fair bi...
by rob
Fri Apr 22, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: James Dale Davidson's prediction of 2016 collapse
Replies: 42
Views: 3763

Re: James Dale Davidson's prediction of 2016 collapse

No but I have a magic 8 ball and I put more faith in it than so called market timing experts.
by rob
Thu Apr 21, 2016 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Using Roth IRA for Home Down Payment.
Replies: 23
Views: 1527

Re: Using Roth IRA for Home Down Payment.

You don't say what equity you have on the existing home.... Why not a HELOC so you can access the equity and then pay it off when you sell.
by rob
Thu Apr 21, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to work for a company you no longer agree with?
Replies: 17
Views: 1465

Re: Continue to work for a company you no longer agree with?

You don't have details so - Who works for a perfect company? There is always something to find objectionable, so unless your having to do something you object to why does it matter?
by rob
Wed Apr 20, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Leaky Wine Bottle
Replies: 13
Views: 1493

Re: Leaky Wine Bottle

I won't kill ya but it's not likely to be great on the taste :(
by rob
Wed Apr 20, 2016 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: What do you wish you had known in your early 20's?
Replies: 46
Views: 4082

Re: What do you wish you had known in your early 20's?

I wish I knew about asset allocation and index funds. It took the tech crash in 2000 for me to learn about indexing. See... I had found indexing by then; QQQ all the way - How could that go wrong :oops: . I would have taken even more career risks... Who knows if it would be different but as they sa...
by rob
Tue Apr 19, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's a reasonable mortgage amount for me?
Replies: 11
Views: 1664

Re: What's a reasonable mortgage amount for me?

Bottom line, you could pay out the new mortgage 4-5 times over from just investments. Even if the market tanks and you have to pay tax on all the investments you could probably still pay it off - it would stink for sure but just really bad case your not bankrupt :D. I don't see this as a primary fin...
by rob
Sun Apr 17, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 3816

Re: How Did You File Your Income Taxes for 2015?

H&R Block - A printer - A bit fat envelope - Certified postage. The queues at the post office are small now thanks to all those of you using eFile :D
by rob
Sat Apr 16, 2016 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding which account for incoming intl wire
Replies: 4
Views: 348

Re: Deciding which account for incoming intl wire

The international bank will have an arrangement with a US bank..... You will pay a fee even if the final target bank has no fee.
by rob
Sat Apr 16, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8277

Re: Better than amazon??

I tried jet after getting some decent discount code @Xmas.... Seems great and for what they have, it's usually far better prices that amazon. I'm also spending far less at amazon now they have pushed up prices.
by rob
Fri Apr 15, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: Decommisioning a laptop
Replies: 35
Views: 2067

Re: Decommisioning a laptop

smartinwate wrote:I've always found the most effective data obliteration tool to be a 3/8" drill bit in drill press.

I find the sledge hammer more therapeutic.... Not as efficient but feels better... especially if you keep it in the old laptop :D
by rob
Fri Apr 15, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: Non-Compete Clause
Replies: 10
Views: 1389

Re: Non-Compete Clause

d)

Depends on the state how enforceable and what constitutes consideration....
by rob
Thu Apr 14, 2016 3:46 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 193
Views: 8330

Re: Soapbox (car safety features)

Heck, you might disagree after you use it. But I would urge you to be open to it. I rent a lot of new cars as part of the job and love tech & cars, so I play with all this stuff fairly often. Have not tried the Subi ACC version but have a number of others. For whatever reason I hate a lot of th...
by rob
Thu Apr 14, 2016 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: grateful for any input on a major, urgent real estate decision
Replies: 75
Views: 4829

Re: grateful for any input on a major, urgent real estate decision

Rock and a hard place... I don't have an answer because all options are bad and too subjective..... but you already know that :D Some things you may or may not have considered in case they help. Moving is also going to cost you - $ and stress. Landlord can offer below mkt because it's a direct sale,...
by rob
Thu Apr 14, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 193
Views: 8330

Re: Soapbox (car safety features)

I find all this sad and agree it's just enabling poor driving behavior. Distracted driving is now the norm. Phones have accelerometers - Disable the damn things when at speed - no calls, no text, no internet access, no apps - I'll give ya music playing via bluetooth. Catching the train/bus you say.....
by rob
Wed Apr 13, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: I'll be a Boglehead Friday. Any advice?
Replies: 93
Views: 6128

Re: I'll be a Boglehead Friday. Any advise?

I don't know if he sells it or is some agent. I will ask him though. He has a sign in his window with Vanguard on it. The Friday meeting is not going to involve money leaving my care. It's not clear to me what the relationship is. I think you need to be VERY clear on how they are paid and what it w...
by rob
Wed Apr 13, 2016 10:25 am
Forum: Investing - Help with Personal Investments
Topic: International
Replies: 34
Views: 2124

Re: International

This is one of those touch-paper topics in these parts..... There are strong views on both ends and everywhere between. In the end, it's a small point to argue over since we mostly agree on the big things. Do the other stuff right and then make up your own mind after reading some of the past discuss...
by rob
Mon Apr 11, 2016 4:54 pm
Forum: Personal Consumer Issues
Topic: Hail damage avoidance/minimization (vehicles)
Replies: 22
Views: 1319

Re: Hail damage avoidance/minimization (vehicles)

How about a few of those packing blankets in the trunk so you can throw on the hood/roof..... I mean it's not a great solution but probably better than nothing :D
by rob
Sat Apr 09, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey
Replies: 41
Views: 3111

Re: Honda Odyssey

I have one @12 years old (prior to the current style).... It's been great - for a minivan :D Very reliable, drives well (for a minivan), incredibly flexible with kids.
by rob
Sat Apr 09, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer in Hand, Delaying Notice
Replies: 42
Views: 3469

Re: Job Offer in Hand, Delaying Notice

I have worked at places with vast layoff plans.... They are well planned and the individual employees were mostly given little or no notice. Employment is "at will" in most places and most employers use that policy - that goes both ways. If you like the employer then wait until after the c...
by rob
Fri Apr 08, 2016 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Apple letting you hide the stock app
Replies: 13
Views: 1664

Re: Apple letting you hide the stock app

Well put. For me, I've always hated that control, and out right rejected them when it came to mobile devices because of iTunes, and their concept of DRM I agree but before the later iOS I loved the music interface (I hate it now with all the selling stuff cluttering up everything) - I have NEVER pa...
by rob
Fri Apr 08, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Those four sweetest words ...
Replies: 31
Views: 2751

Re: Those four sweetest words ...

BarbaricYawp wrote:
cheese_breath wrote:
ponyboy wrote:"I quit"

That's only two words.

Not if you yell it twice. :)

(thread lockdown in three... two... one...)

or include the correct descriptive words that cannot be typed here :D
by rob
Fri Apr 08, 2016 9:03 am
Forum: Investing - Help with Personal Investments
Topic: International indexing vs. managed funds.
Replies: 11
Views: 764

Re: International indexing vs. managed funds.

Hard to argue with the math.... although marketing has been pretty successful in it's attempt.
by rob
Fri Apr 08, 2016 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Apple letting you hide the stock app
Replies: 13
Views: 1664

Re: Apple letting you hide the stock app

Finally, it's about time - maybe they can now start working on some of the really really annoying things.... I moved them all to a xxx folder anyway but I hated the attitude of not allowing me to remove (or at least hide) them.
by rob
Thu Apr 07, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 1585

Re: Which bank for ATM use outside the US?

statman wrote:use of BoA ATM/debit cards at ATMs of these banks with no fees by either bank.

They do have a lot of linkages and while there is not an ATM fee... they add a 3% exchange fee.
by rob
Thu Apr 07, 2016 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 1585

Re: Which bank for ATM use outside the US?

Thanks everyone.... Looks like I got bum info from the call; odd given Fido are normally good and certainly the first time I got bad info from them.... I ordered the card. Obviously I also have no fee credit cards. I do have to say, I opened a chat with Schwab last nigh and it's hard not to be impre...
by rob
Thu Apr 07, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Jobs - Fido Tool
Replies: 0
Views: 171

Changing Jobs - Fido Tool

I see a lot of job A vs. Job B stuff and just tripped over a simple Fidelity tool that might help. It's far from perfect and is missing a lot of things, but it covers 401K match, employee vs. contract etc. Just to make it actionable - I changed job recently and this tool would have been somewhat use...
by rob
Thu Apr 07, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 8074

Re: I'm Addicted

I'm so addicted that I clicked on a heading of "I'm Addicted" just to see what it was :D
by rob
Wed Apr 06, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 1585

Re: Which bank for ATM use outside the US?

The Fidelity Cash debit card works fine for me as an ATM card - no fees, reimburses all third party ATM fees, always got a great exchange rate. Strange... I called them today because the web-site only talks about domestic. They said that they would NOT refund the ATM fees when outside the US and th...
by rob
Wed Apr 06, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 1585

Which bank for ATM use outside the US?

I'm looking for some ideas on the best checking account with an ATM card for use outside the US. I'm looking for free ATM usage [after reimbursement] with minimal other fees (surprise on this board right :D ). Right now, Schwab seems to have a good deal on 0% currency fee and refund of unlimited ATM...
by rob
Wed Apr 06, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: More terrible customer service from Vanguard [Invalid Authorized Agent Form]
Replies: 25
Views: 2326

Re: More terrible customer service from Vanguard

am wrote:Should I call back the specialist?

What's the harm... maybe you will get a different answer with a different person/day. If they sing from the same book... then I guess your stuck doing the new auth.
by rob
Wed Apr 06, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Price matching to Amazon
Replies: 24
Views: 2045

Re: Price matching to Amazon

You didn't mention the catch, so I will. The catch is, Walmart and Target will most certainly assess sales tax, whereas Amazon won't* Sales tax in Little Rock, AR is a whopping 9% * Unless you're in a particular state that's forcing Amazon to collect sales tax. In most states, your supposed to incl...
by rob
Wed Apr 06, 2016 9:41 am
Forum: Investing - Theory, News & General
Topic: [DOL Rule on Fiduciary Standard is Released]
Replies: 105
Views: 5175

Re: ‘Customers First’ Becomes the Law in Retirement Investing

Let's see but seems like too little too late to me.....

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