Search found 2573 matches

by rob
Sat Dec 10, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Pricing
Replies: 2
Views: 240

Re: TurboTax Pricing

Meh - That company has a long history of been less than honest with customers. I don't know why people buy stuff from them.... there are other options.
by rob
Fri Dec 09, 2016 4:47 pm
Forum: Investing - Theory, News & General
Topic: Do you think Slice and Dice makes it harder to stay the course?
Replies: 36
Views: 1619

Re: Do you think Slice and Dice makes it harder to stay the course?

Just goes to show that we are different and you need to work out your own road... I also find it easier to stay still using S&D... I have college money in a 3-fund and it bothers me far more that the retirement portfolio.
by rob
Thu Dec 08, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 70
Views: 4728

Re: Vanguard's new "account overview" page... BOO!

Yeah it's horrible... but what I have, sadly, come to expect from Vanguard IT. The bonus is that I use the balances page and not that summary.
by rob
Thu Dec 08, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 3938

Re: Should I fill out survey evaluation of my boss?

I can tell you from first hand experience that one of the greatest obstacles upper management has in trying to weed out lousy, dysfunctional bosses/supervisors is the difficulty in getting adequate information and candid responses from those working under them as to how bad things really are. It is...
by rob
Wed Dec 07, 2016 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 82
Views: 6457

Re: Retiring in a Decade after Graduation

Seems to me most of the non IPO crowd do this via a similar path.... - No kids. - If spouse then 100% in line with lifestyle. - Spend a lot of time in low cost places (a lot outside US but could be done domestically). - Spend very little money unless needed - aka live like a student. Popular but wou...
by rob
Wed Dec 07, 2016 12:19 am
Forum: Personal Consumer Issues
Topic: Where to purchase tea
Replies: 12
Views: 1044

Re: Where to purchase tea

Hayden wrote:I know this has been discussed before, but I've searched and can't find the threads.

Here is one thread that had some good discussion.
by rob
Mon Dec 05, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Managing kids money
Replies: 30
Views: 2410

Re: Managing kids money

I don't think that's the case. I think it's more they want to have strings attached and their hands in the pot, knowing them. IMO only the parents should be opening and controlling accounts for a child. Agree - I would not let anyone open an account for your kid... the tax hassle is not worth it. Y...
by rob
Sun Dec 04, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "Retirement?"
Replies: 38
Views: 2271

Re: How to define "Retirement?"

I think retired is easy.... not earning salary. Not something to over-think IMO. By that rubric unemployment is retirement. I don't buy it. PJW Chronic/Permanent unemployment is retirement IMO..... obviously temp unemployment is not. Parse any words enough and you can break any rubric. Maybe I shou...
by rob
Sun Dec 04, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "Retirement?"
Replies: 38
Views: 2271

Re: How to define "Retirement?"

I think retired is easy.... not earning salary. Not something to over-think IMO.
by rob
Sun Dec 04, 2016 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 151
Views: 15168

Re: Retirement with $8M in investments

Not sure what to say about not feeling wealthy with a nw of 14M..... You have more than any dozen regular people.

Work out expenses and see if you can cover with a 4% withdrawal. As to the specific funds - not a clue but your better off getting a plan rather than trying to pick funds.
by rob
Fri Dec 02, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Logistics of getting a new car when moving across country
Replies: 16
Views: 606

Re: Logistics of getting a new car when moving across country

I would rent a car for a while in TX and then buy.... Why have the headache of a new car shipping (and potential damage etc.) on top of the MA tax.
by rob
Thu Dec 01, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 5422

Re: Long ethernet cable or wireless?

May have been suggested earlier, but you may be able to turn off wireless broadcasting and set up your wireless connection manually on the one laptop. I'm going to need some help understanding this. If I disable "Wireless Radio" on my router, which would be turning off wireless broadcasti...
by rob
Thu Dec 01, 2016 1:33 am
Forum: Investing - Help with Personal Investments
Topic: Max out order 401k, then Roth401k, then backdoor Roth IRA?
Replies: 5
Views: 531

Re: Max out order 401k, then Roth401k, then backdoor Roth IRA?

The 18K employee limit is the sum of pre-tax and Roth 401K - you cannot do both.
by rob
Wed Nov 30, 2016 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k - proposed change
Replies: 10
Views: 670

Re: Fidelity 401k - proposed change

When I was young and stupid vs. old and stupid, I liked that Baron fund until I figured out who was paying for the great annual parties Ron would organize..... Skip it completely. It's expensive and drifts. I would also skip contra fund but it has it's fans.
by rob
Tue Nov 29, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 49
Views: 4161

Re: Gift To Self

A sentimental gift for me: My mom knitted Christmas stockings with names for all the kids back in the 50's and 60's and then for the spouses and grandkids. My stocking was lost in an overseas move, so I haven't had a matching stocking to hang on the mantel for decades. I found the pattern and someo...
by rob
Tue Nov 29, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Would I notice a difference between an i3-6100 and an i5-6200 processor?
Replies: 20
Views: 1018

Re: Would I notice a difference between an i3-6100 and an i5-6200 processor?

For the usage you describe, I cannot imagine you would notice much of a difference. Spring for a SSD over a spinning drive as that is likely to make a far larger improvement in lag time.

Step off that usage and the answer will be different :D
by rob
Tue Nov 29, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer pay for continuing education?
Replies: 27
Views: 1293

Re: Does your employer pay for continuing education?

"paper program" is a great description I will have to start using...... I believe they have one so they can check that off on the various employer surveys so they can advertise that the company is a progressive place to work.... the reality is that you can never get approval.... lack of tr...
by rob
Mon Nov 28, 2016 11:29 pm
Forum: Investing - Theory, News & General
Topic: Are stocks over bought as of late?
Replies: 17
Views: 1629

Re: Are stocks over bought as of late?

Cramer's advice and a buck can get you a (small) cup of (non-yuppie) coffee..... Let me know when he will personally pay back any losses to anyone who follows his advice and I'll listen :moneybag
by rob
Mon Nov 28, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to discuss salary offer as a manager?
Replies: 29
Views: 2576

Re: How to discuss salary offer as a manager?

I'd also be honest and do the 75 since your saying external would be higher again but what's your plan over the next few years? Is 75 your real ceiling going forward giving you no room for small bumps or inflation raises? What is your retention plan (assuming you want a longer term employee)?
by rob
Sat Nov 26, 2016 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 6610

Re: Investing in the 80's when CD rates were 17%?

I don't know about 30 years; I doubt they have CD's that long... I did get a 17.75% for 3 months. To the orig question - I didn't know about the stock market at the time.
by rob
Fri Nov 25, 2016 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5224

Re: My Bonds Are Enraging Me

Tycoon wrote:Wow. Perhaps you should consider a CD instead.

I have to agree with this..... If your really "enraged" then the bond and certainly stock market are not for you. Have a look at CD and iBonds.
by rob
Mon Nov 21, 2016 8:08 pm
Forum: Personal Consumer Issues
Topic: Guys Long Weekend
Replies: 11
Views: 1207

Re: Guys Long Weekend

Hard to say without interests but how about......
- Vegas
- Wine country in CA
- Miami
- Chicago (since one is there)
- Nashville
- Atlantic City (close to the NJ friend)
- Austin (sxsw)
by rob
Mon Nov 21, 2016 10:32 am
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 3620

Re: When should I upgrade my wireless router? (RT-N56U)

2.65% packet loss I know they will say this is normal/acceptable.... I would be bothered by losses this high. You want 802.11n.... I actually don't now what the 2.65% packet loss means. Isn't 802.11ac the latest, so why 802.11n? Sure... ac is better if you need a lot of people connected or have the...
by rob
Mon Nov 21, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 3620

Re: When should I upgrade my wireless router? (RT-N56U)

angelescrest wrote:2.65% packet loss

I know they will say this is normal/acceptable.... I would be bothered by losses this high.

You want 802.11n....
by rob
Mon Nov 21, 2016 9:59 am
Forum: Investing - Theory, News & General
Topic: Father passed - First steps to taking over finances?
Replies: 25
Views: 2166

Re: Father passed - First steps to taking over finances?

3. He may have had investments somewhere. How can we find this out? Assuming he didn't setup emails, your likely to get anything about those in snail mail the next few months - year end statements/distributions etc..... Make sure you collect/redirect mail going to where he lived. On a side note, I ...
by rob
Sun Nov 20, 2016 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 7700

Re: Do you track your net worth? How long have you done so?

Net worth - no.... Investment assets - Yeah for the most part although it's nearest 10K rather than a specific number.
by rob
Sun Nov 20, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 79
Views: 3983

Re: Fountain Pens - Do you use one?

I did for a while... was into calligraphy for a while and that naturally flowed (sorry) into using a fountain pen. It just got too much of a pain with sucking up ink from a well and having ink accidents. I do love the feel of a nice fountain pen.... so understand but now use nice heavy ball points. ...
by rob
Sun Nov 20, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Severance Package Taxes
Replies: 10
Views: 1310

Re: Severance Package Taxes

- Defer the main payout to Jan - you have 30-60 days [depending on age] to sign the paperwork before the employer will pay you out. - My vacation days were paid on the last pay check... so just withheld at the usual rate. - In MA you can register for UI and the payout is not considered salary if you...
by rob
Sat Nov 19, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Cab driver turned down a tip??
Replies: 19
Views: 3511

Re: Cab driver turned down a tip??

What happens frequently is that as soon as I mention I want to pay by credit card, they hem and haw or claim the swiper is broken. Then they get a crappy tip. I get that a lot too... it's just costing them a tip if I have to futz with cash. I have no clue why anyone in the US would refuse a tip.......
by rob
Sat Nov 19, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Ethernet Question
Replies: 12
Views: 1408

Re: Ethernet Question

Get "riser rated" cable (cat5e or 6 as you prefer). It's got string thru it with the wires to avoid stressing any wires.
by rob
Sat Nov 19, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Federal tax classification of hobby blog income?
Replies: 2
Views: 237

Re: Federal tax classification of hobby blog income?

Gee for 3 cents :?

I'd go #1... but I would also get an EIN from the IRS web-site so you don't give them your SSN at the next step.
Busted - posting at the same time....
by rob
Sat Nov 19, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: Highly compensated Employee
Replies: 37
Views: 4340

Re: Highly compensated Employee

Perhaps your wife's employer will (or does) offer a non-qualified plan to make up this inability to defer. Other hce's including execs are facing same issue. Not normally.... There is usually a top hat deferred comp plan that execs can use or in a lot of cases they limit the percentage to the 401K....
by rob
Sat Nov 19, 2016 11:21 am
Forum: Investing - Theory, News & General
Topic: Highly compensated Employee
Replies: 37
Views: 4340

Re: Highly compensated Employee

Yeah..... It's a crazy rule because you get out of it by earning yet more..... In my case it was congrats on your small promotion - it's will cost you twice the raise due to the loss of the deferred space :oops:
by rob
Fri Nov 18, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house for your college kid?
Replies: 46
Views: 3688

Re: Would you buy a house for your college kid?

Sounds like a great way to lose money but I guess short term real estate sometimes works.
by rob
Fri Nov 18, 2016 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anthem HDHP vs PPO pros and cons
Replies: 15
Views: 1046

Re: Anthem HDHP vs PPO pros and cons

Whenever I look at HSA the prescription costs blow it out.....
by rob
Fri Nov 18, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: 401K Pleasant Surprise...
Replies: 0
Views: 570

401K Pleasant Surprise...

delete
by rob
Wed Nov 16, 2016 10:51 pm
Forum: Personal Consumer Issues
Topic: Computer Backup Ideas
Replies: 51
Views: 3888

Re: Computer Backup Ideas

You might look into cloud backup systems like Carbonite Do NOT use these guys... They throttle the upload so "unlimited" is meaningless. It's buried in page 306 of the terms - they hide the fact very well. If you have a small amount of data then it's not critical but for the rest of us th...
by rob
Mon Nov 14, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 50
Views: 4966

Re: Products to cope with other drivers' LED headlight

LED lights aren't any brighter in the US due to DoT regulations - a few car people will change to EU lights or have the ECU reprogrammed but it's very few people doing this. As others have suggested, if it is a year on year change a vision test is probably a good options. To me they seem way bright...
by rob
Mon Nov 14, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: The Stages of Retirement Saving
Replies: 17
Views: 3140

Re: The Stages of Retirement Saving

I agree and pretty much how I look at accumulation. I've started thinking about once you get over that number (whichever level you choose) and I see 3 levels in retirement (not only to keep with your theme :-) ); Early, Mid and Late with a U shaped cost curve. More $$ at the early phase for travel e...
by rob
Sun Nov 13, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Stock purchase plan ??
Replies: 8
Views: 799

Re: Stock purchase plan ??

Check if there is a lookback on the price... The good ESPP have a long lookback so the price could be more than a 15% discount. I have used these a lot when allowed but be sure not to accumulate too much employer stock at any point in time.
by rob
Sat Nov 12, 2016 9:50 pm
Forum: Investing - Theory, News & General
Topic: Idea behind investing is NOT to get rich...
Replies: 51
Views: 8879

Re:

mr.ajandkj wrote:happiness = wanting what you already have

As the Sheryl Crow song goes... It's not having what you want it's wanting what you've got...
by rob
Sat Nov 12, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 6027

Re: Go part time number

For a regular person I would say no because part time is the same as working and has the same hassle & stress for the most part BUT for an MD (or any professional certified that needs practice hours to maintain); I would say it's worth it. It gives you options in the future IF needed to step bac...
by rob
Wed Nov 09, 2016 1:34 am
Forum: Personal Finance (Not Investing)
Topic: In escrow to buy, now not sure...
Replies: 17
Views: 2143

Re: In escrow to buy, now not sure...

What changed? Seriously..... Don't use political topics to change your personal situation is all I can say.
by rob
Tue Nov 08, 2016 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 Plans
Replies: 7
Views: 713

Re: Fidelity 529 Plans

For those that use the Fido 529 plans (I do)... remember the Fido credit cards have a 2% cash back to any Fido account. Over the years that 2% has added dramatically to my 529 Fido plan.
by rob
Tue Nov 08, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: How to do secure communications to my web server?
Replies: 15
Views: 1213

Re: How to do secure communications to my web server?

Move hosting (or check current) to a company that supports something like cpanel or webmin.
by rob
Tue Nov 08, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: google phone project fi
Replies: 37
Views: 3812

Re: google phone project fi

Anywhere you are that good quality public wifi is available or that you log into a good wifi network the fi phone will default to the wifi. Otherwise it will pick the best connection of the three available carriers (Sprint, T-Mobile or U.S. Cellular). You can find coverage maps on the Project Fi we...
by rob
Tue Nov 08, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 6235

Re: Threat concern

Before you use PGP to protect innocent remarks you need to persuade a few hundred million of your closest friends to do the same. I think that would be a great way for the public to get some privacy back..... bad state actors would be burred in encrypted data if a significant number of people used ...
by rob
Sun Nov 06, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Move For A Promotion?
Replies: 22
Views: 2890

Re: Would You Move For A Promotion?

There are some that are defined by a position in their company and some that happen to work at some company. I'm the latter so no would not move without a serious incentive that is not just another rung on the corporate ladder.
by rob
Sun Nov 06, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 37
Views: 2606

Re: Cheap, Non-Traditional Cell Phone Plans

We use both Tracfone and Fi..... both have been fine and cheaper than the traditional big phone companies IMO - at least for our usage patterns. I will look more into Tracfone. What do you like about it? Could one take their number with them? How is the cost of data? Is it true that you can only us...
by rob
Sun Nov 06, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 37
Views: 2606

Re: Cheap, Non-Traditional Cell Phone Plans

We use both Tracfone and Fi..... both have been fine and cheaper than the traditional big phone companies IMO - at least for our usage patterns.

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