Search found 829 matches

by sls239
Wed Sep 14, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Company clawing back retirement contributions
Replies: 59
Views: 6694

Re: Company clawing back retirement contributions

I'm guessing here but I suspect that there were differences in what was considered compensation for the purposes of matching, and that in practice, they did not adhere to what the plan documents defined as compensation. And it sounds like that would make it an operation failure. And part of that wou...
by sls239
Tue Sep 13, 2016 8:38 am
Forum: Investing - Theory, News & General
Topic: An "out of sample" test of two specific factor-based portfolios published pre-2008
Replies: 76
Views: 5029

Re: An "out of sample" test of two specific factor-based portfolios published pre-2008

So basically, only a few special people can do factor based investing correctly and they aren't sharing it with people in a way they could implement on their own.

Alright then.
by sls239
Mon Sep 12, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: Recommend me an odorless antimicrobial surface cleaner for work
Replies: 16
Views: 948

Re: Recommend me an odorless antimicrobial surface cleaner for work

One thing you need to understand is that the surface needs to be clean before it can be sanitized. So sprays are not going to be effective on surfaces. There are wipes that can both clean and sanitize, but they can't do both in one swipe. But I personally favor plain soap and water on a damp washclo...
by sls239
Thu Sep 01, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Magazines for young readers....
Replies: 18
Views: 1397

Re: Magazines for young readers....

Ask or Cricket.
by sls239
Tue Aug 30, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Car Shopping - Early 2000s Mid-Sized Car Reliability under $5k?
Replies: 37
Views: 2571

Re: Car Shopping - Early 2000s Mid-Sized Car Reliability under $5k?

My spouse drives an '04 Accord, 4 cylinder with about 2 50K miles on it. There have been some small repairs, a window motor, an O2 sensor. But in my experience, the parts have not been expensive nor labor intensive. And there haven't been any mysterious recurring problems or hard to diagnose glitche...
by sls239
Tue Aug 30, 2016 8:05 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 7729

Re: What is your system for dealing with coins?

The Oklahoma Turnpike Authority pretty much takes my entire year's worth of coins in the one or two trips I make each year.
by sls239
Wed Aug 17, 2016 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Double Income No Kids (but expect kids in future) - How much home can we afford?
Replies: 28
Views: 2823

Re: Double Income No Kids (but expect kids in future) - How much home can we afford?

Tooooooo soon to buy a house. Once you get your first kid then start looking. Until then you are just wasting your time and your money. Personally I think it's nice to be settled in before having kids. For example, finding the house when pregnant. Trying to find a house with an infant is not easy -...
by sls239
Wed Aug 17, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help. My boss is expecting me to read her mind.
Replies: 53
Views: 3508

Re: Help. My boss is expecting me to read her mind.

She has to make sure that what they are reimbursing qualifies for reimbursement. The government can get in huge trouble for reimbursing an expense that is not reimbursable. Moreso than most private organizations. Remember that everything your boss does is likely very highly scrutinized as well becau...
by sls239
Mon Aug 15, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 74
Views: 4258

Re: Request for recommendations: English Mystery TV series

Top of the Lake is good, but it's more like The Killing than Midsomer Murders.
by sls239
Mon Aug 15, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Double Income No Kids (but expect kids in future) - How much home can we afford?
Replies: 28
Views: 2823

Re: Double Income No Kids (but expect kids in future) - How much home can we afford?

I'm curious as to why you are interested in buying when you are expecting major changes in other areas of your life.

Might it not be better to wait until you are dealing with reality rather than expectations?

Buying too soon or buying wrong can be just as expensive as buying too much house.
by sls239
Mon Aug 15, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: buying used car smarter than buying new?
Replies: 89
Views: 4727

Re: buying used car smarter than buying new?

Don't believe the "rough calculations." I bought my car at a year and a half old, 14K miles for 28% less than the original purchaser. I know because the paperwork was still in the glovebox. Just understand that listed prices for used cars are jacked way up . They do that for two reasons 1)...
by sls239
Mon Aug 15, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Barrier to credit card warranty protection claim
Replies: 22
Views: 1597

Re: Barrier to credit card warranty protection claim

The account number should be on your credit report.

If the account number doesn't suffice, I'd file a complaint with the CFPB.
by sls239
Sat Aug 13, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Better to sell house ~ every 15 years?
Replies: 40
Views: 4959

Re: Better to sell house ~ every 15 years?

Unless you are lucky and find yourself in a fairly hot market, you'd probably have trouble selling a house with a 15 year old roof, HVAC, paint and carpet.
by sls239
Sat Aug 13, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 6712

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

Can I tell you something about the clothing? Some poor kids need to be dressed nice because otherwise they risk being seen as a um, troublemaker. Please don't judge their finances on their clothing. (For adults, this also applies to cars). If you've never felt the need to dress a certain way to avoi...
by sls239
Sat Aug 13, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Going short to negate going long [socially responsible investing]
Replies: 59
Views: 3154

Re: Going short to negate going long

Thanks everyone for your responses, and especially Valuethinker for your in-depth analysis! You've definitely addressed my core question -- sounds like shorting is a terrible idea. And apologies for skirting the forum guidelines in my specifics -- I recognize the need to keep this forum neutral so ...
by sls239
Sat Aug 13, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: $67 Auto Lease??
Replies: 12
Views: 1627

Re: $67 Auto Lease??

How much would you be out if the car were totaled in an accident?

You don't want to be stuck paying the new car price and getting used car value from the insurance company.
by sls239
Thu Aug 04, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 29
Views: 2368

Re: closet organizing system

Elfa is awesome. And it goes on sale regularly. I've done two laundry rooms (different houses) a reach in closet, and a garage. It was specifically complimented by buyers and an appraiser.

And if your needs change, the closet can change.
by sls239
Thu Jul 21, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 7262

Re: HOA Swimming Pool Trespassing Issue

Are there any police officers that live in the community?
by sls239
Tue Jul 19, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement for Women(?)
Replies: 34
Views: 3466

Re: Retirement for Women(?)

The reason they assigned gender to the message is because absent assignment, the message would be seen as geared towards men because men are the default, especially when it comes to finance.
by sls239
Sat Jul 16, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: 0 - 0.99% APR on auto... would you finance?
Replies: 12
Views: 1326

Re: 0 - 0.99% APR on auto... would you finance?

Lots of places offer 0% financing. Then tack on a fixed dollar "financing fee" or other type of fees.

If you can negotiate those down to zero as well, more power to you.
by sls239
Sat Jul 16, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 3168

Re: Hatchback to match Camry on price/comfort/reliability?

No, there's really not unfortunately.
by sls239
Fri Jul 15, 2016 5:30 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3403

Re: Raising a reader

I would read to him out of whatever book I was reading. It doesn't matter that he couldn't understand it, they get to hear the sounds and the pattern of the language. I also picked children's books that I liked to read to little one. I think kids can tell when you are just going through the motions....
by sls239
Thu Jul 14, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Car Buying Dilemma
Replies: 53
Views: 4597

Re: Car Buying Dilemma

Highway miles are actually easier on a car than in-town stop and go miles are. I wouldn't assume you'd need a new car real soon.

There's nothing wrong with looking, but there is absolutely no reason to narrow your options at this point down to just two.
by sls239
Thu Jul 14, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 64
Views: 5276

Re: Cutting Cable Cord Only to Strengthen Internet Cord

You know that Netflix still has DVD plans right?
by sls239
Thu Jul 14, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: taking back a mortgage
Replies: 27
Views: 2703

Re: taking back a mortgage

Wait, what? I understand wanting to help someone, but you haven't even said if you would otherwise sell the house at all or how that affects your financial plans. And, I would suggest just as important - Have you considered the possibility that just because he wants to buy the house doesn't mean tha...
by sls239
Thu Jul 14, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: 24 year old new driver - Debating getting or not getting collision auto insurance
Replies: 15
Views: 1140

Re: 24 year old new driver - Debating getting or not getting collision auto insurance

So $91 / month plus $1500 deductible is $2592. So you could buy a car for that amount and not be taking any additional risk at all. So I'd start there. Then consider how much of your money you are willing to risk in order to drive a nicer car. Also, make sure to budget in things like tires and oil c...
by sls239
Thu Jul 14, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for college vs maxing out retirement accts
Replies: 24
Views: 1867

Re: Saving for college vs maxing out retirement accts

You want to make sure you are saving adequately for your retirement before saving for college. And that varies based on individual situation. Sometimes the answer to the question of where to put college savings is in a retirement account. Part of that is because retirement is a long term goal, and b...
by sls239
Fri Jul 08, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: Home inspection items for repair
Replies: 32
Views: 1940

Re: Home inspection items for repair

The inspector is a generalist. What you need now that problems have been found are specialists. In particular, you need the entire HVAC inspected.
by sls239
Wed Jul 06, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)
Replies: 55
Views: 3182

Re: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)

Pay attention to water. The area is in a wet period now, but when the drought comes (and it will) water can be a huge issue in the hill country. Wells - even wells for entire neighborhoods - go dry. Trucked in water is really expensive, as is completely changing your landscaping. I think if I didn't...
by sls239
Mon Jul 04, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Hedging against home value decrease
Replies: 42
Views: 3146

Re: Hedging against home value decrease

It isn't exactly a hedge, but I think your best bet is sticking to the minimum house that meets your needs, preferably a cheaper house in a nicer neighborhood. Then you have choices - if the market goes down you could upgrade to another house at a discount, if the market goes up you can improve the ...
by sls239
Wed Jun 29, 2016 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage immediately? Or keep plugging along?
Replies: 57
Views: 4307

Re: Pay off mortgage immediately? Or keep plugging along?

Did you say there was the possibility of a small 2nd income? Would that come with access to a 401k? Would it be 18K / year? Because if that happened, you could funnel an extra 18K into tax-deferred from your current cash savings while still using the extra money earned for other goals like college s...
by sls239
Wed Jun 29, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: How best to take little kids sightseeing?
Replies: 37
Views: 2455

Re: How best to take little kids sightseeing?

I think chasing pigeons and climbing trees is a version of sight seeing. If you want to squeeze in more formal sights than the children can handle, I suggest tag teaming. One parent stays with the kids, the other hits up a sight or pops out for a bit of nightlife. You can also tag team for lines. On...
by sls239
Wed Jun 29, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: For those that "buy" during stock market downturns...
Replies: 158
Views: 10607

Re: For those that "buy" during stock market downturns...

I've only done it twice - 2002 and 2009 and it was mainly the second one both times. But another option is that you've saved money intending to do something else with it, and decide to invest it in the market instead.
by sls239
Fri May 20, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: I got a home loan from Wells Fargo ; should I shop around?
Replies: 20
Views: 1653

Re: I got a home loan from Wells Fargo ; should I shop around?

You can have multiple inquiries for the same purpose within a 30 day period and it all counts as 1. But yeah, I think it is a little late for an early June closing, unless you have a local bank that can get it done quick. You do need to tell them you are planing a 20% down-payment. That might change...
by sls239
Fri May 20, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Hail damage on roof; what to do with Insurance Providers' $9,950 check
Replies: 51
Views: 4236

Re: Hail damage on roof; what to do with Insurance Providers' $9,950 check

I think if the roof is already 16 years old, go ahead and get it replaced.

Ours is only 7 years old, so I'm torn. I'll probably try and do what pp said - wait as long as I can to still get the full replacement cost.
by sls239
Mon May 16, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 23455

Re: Rich But Middle Class

Honestly, I have no way of knowing it OP's plan is a good one or not. It sounds to me like if the next couple years are good, then they can build up their assets and be fine. If things don't go as well, it may take 10 years to get into that same position. And if things go poorly, their expenses coul...
by sls239
Sat May 14, 2016 6:03 pm
Forum: Personal Consumer Issues
Topic: National Universities rankings 25 to 75 - Highest priority
Replies: 65
Views: 4757

Re: National Universities rankings 25 to 75 - Highest priority

Since when are there 5 core subjects? I can guess math, science, social studies, and language arts, but what's the 5th? A foreign language? I'm not sure that matters as much. I would say that taking advanced classes in the 4 subject areas is a given if you want to get into a top 75 university. But t...
by sls239
Wed May 11, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Costco Car Rental-Any Experience
Replies: 25
Views: 3214

Re: Costco Car Rental-Any Experience

In the past I've bought a Costco membership pretty much just to get the discount on a single car rental. Unless things have changed, you can stack a coupon on top of the discount rate.
by sls239
Wed May 11, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Used car vs. new
Replies: 23
Views: 3631

Re: Used car vs. new

I doubt I would buy the 2013 version of any of those cars today at the price you listed.

I'd either go for the 2014 version Corolla or Mazda 3 which are significantly updated or a new Civic. Unless you just luck into a used 2016 Civic. I suppose there are some somewhere for some reason.
by sls239
Wed May 11, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 21234

Re: Evicting a tenant-Hire lawyer?

You definitely need to talk to a lawyer. I think it is possible that the laws may be different if you haven't received any money. So if she tries to pay now, don't accept it, talk to your lawyer first.
by sls239
Wed May 11, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Tenant stops paying rent and refuses to show the house for prospective buyers
Replies: 43
Views: 8551

Re: Tenant stops paying rent and refuses to show the house for prospective buyers

Write up an offer that involves them moving out by the end of the month and make it an offer that is hard to refuse. Otherwise, you could find yourself trying to extract blood from a turnip. Keep your eye on the important goal - protecting the value of your asset and selling it with a minimum of exp...
by sls239
Mon May 09, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 7142

Re: Gifted math program for 1st grade

Ask what they will miss during the pullout and how that will be handled. Ask if the math work done in the program replaces the regular math work or is in addition to the regular math work. And ask if homework and other expectations are significantly different beyond just the level of the work. I do ...
by sls239
Mon May 09, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 11119

Re: Is buying organic really that expensive?

But the real difference is that with a GMO, somebody owns the genetic code of the organism and for any given GMO every single organism is identical and belongs to the owner of that genetic code. How is that different from any other patent where the owner of the patent doesn't allow anyone to reprod...
by sls239
Mon May 09, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 11119

Re: Is buying organic really that expensive?

There are two reasons one might buy organic. One is if you think the food is better. The other is to vote with your dollars. Consumer movements have been successful in the past - rBGH is the best example of this. The increased availability of organic milk allowed those who could afford it a choice. ...
by sls239
Thu May 05, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Your age in bonds minus ten? Not according to Vanguard
Replies: 93
Views: 8823

Re: Your age in bonds minus ten? Not according to Vanguard

I can think of a couple reasons that have nothing to do with theory: 1) They looked at their average shareholder and found that on average they were significantly behind and would need to take more risk to reach their goal. 2) They may believe that the set-up works better if people who want to be mo...
by sls239
Tue May 03, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 23177

Re: I bought the wrong car - know it after 15 days

Is it possible that you haven't adjusted the seat and/or steering wheel in your car properly?
by sls239
Fri Apr 29, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Local Major Bank Recommendations
Replies: 16
Views: 1164

Re: Local Major Bank Recommendations

One thing I like about Chase is that they make external transfers very easy. I could even set up my son's custodial savings account at Chase to get transfers online from his custodial savings account at another bank. There was a phone call involved - but they called me.

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