Search found 504 matches

by snowman
Wed Jul 20, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9208

Re: Just got back from Europe...ready to sell my International...

No disrespect to OP, but every week a new thread pops up questioning the value of international equities in one's portfolio. People look back, see a disaster of a performance compared to US stock market over the last 10 years, and are ready to sell them all. It just makes me wonder if we are nearing...
by snowman
Thu Jul 14, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Sorry, You're Just Going To Have To Save More Money
Replies: 16
Views: 3943

Re: Jason Zweig: Sorry, You're Just Going To Have To Save More Money

No, you don't "have" to. If real interest rates are negative, meaning that the "reward" for forgoing consumption of $1000 today is the ability to spend $900 in real terms 20 years from now, some people will respond by consuming more now and accepting a lower standard of living i...
by snowman
Thu Jul 14, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6156

Re: Private vs State School?

Not to be critical to OP, but this is not a discussion about the private vs. state school. I assume that discussion happened couple years ago before final decision was made. It’s possible though that discussion never happened because it wasn’t necessary – someone living on $180K annual income with $...
by snowman
Sun Jul 03, 2016 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of international funds
Replies: 83
Views: 6538

Re: Getting rid of international funds

This whole thread made me think of Allan Roth, a financial writer and contributor on this forum. Here is his observation: "For well over a decade, I’ve been recommending that U.S. clients keep a constant mix of two-thirds U.S. and one-third international. When international stocks are surging, ...
by snowman
Thu Jun 30, 2016 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of international funds
Replies: 83
Views: 6538

Re: Getting rid of international funds

OP, Your AA looks good to me and there is no reason to change it. S&P 500 companies already having international exposure is not new information - it's been the case for years, before you probably started investing. What was the reason you chose to have international equities in your portfolio? ...
by snowman
Thu Jun 23, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5577

Re: Should I express my inheritence thoughts to my father?

I do want to be clear that in no case would I be trying to ask for a greater share. That wouldn't be right of him as well as against my principles. Then what exactly do you want? Maybe a note in his will chastising your siblings for their lavish lifestyles and praising you for your more moderate on...
by snowman
Thu Jun 16, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment options
Replies: 8
Views: 541

Re: HSA investment options

I would just leave it in cash and consider it a part of my fixed income AA. I would adjust 403b accordingly to keep your overall AA in check. You can always transfer HSA later on when you leave the company so you get better investment options.
by snowman
Thu Jun 16, 2016 9:13 am
Forum: Personal Consumer Issues
Topic: General Negotiating Tips
Replies: 72
Views: 7261

Re: General Negotiating Tips

Interesting topic, as negotiations was my corporate career. It really wasn’t that hard – you need to know the product you are selling, you need to know the competition, you need to fully understand buyer’s needs, and you need to know your own bottom line so that company remains profitable and sustai...
by snowman
Fri Jun 10, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: New Truck?
Replies: 46
Views: 3120

Re: New Truck?

I don't think recommending different brands/size truck solves OP's dilemma. Here is the description of the problem: http://www.nissanproblems.com/trends/coolant-leaks-destroy-transmission/ Unfortunately, as I said before, once the coolant enters transmission, it's too late - it's only a matter of ti...
by snowman
Fri Jun 10, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc inconsistent ?
Replies: 18
Views: 1620

Re: Firecalc inconsistent ?

For those of you who use firecalc, have you noticed that the results are inconsistent at times ? For example, I am currently seeing my failure rate higher with some savings per year vs without any savings ( all other parameters remaining the same) Any reason why that would that be the case ? Yes, I...
by snowman
Wed Jun 08, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: New Truck?
Replies: 46
Views: 3120

Re: New Truck?

Only question I would have be to check to make sure that the issue hasn't caused some issue that will shorten the life significantly that the planned repair doesn't address. At that kind of price, it seems like you would be getting some significant transmission work done so you are probably good. T...
by snowman
Wed Jun 08, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: New Truck?
Replies: 46
Views: 3120

Re: New Truck?

I like the way you think! I read that they extended the warranty to 10 years or 100,000 miles so I am out of luck on that front, and I didn't think about the no-trade in possibility. I would call Nissan and ask for financial assistance, since you are only 3K miles over the limit, and they know it's...
by snowman
Wed Jun 08, 2016 6:19 pm
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 8738

Re: Crazy housing market

The demand in Seattle is a byproduct of very high population growth and very high economic growth/job growth. There are many people moving there and a lot of them are for good, high paying jobs. Thus demand is outstripping supply and prices are rising rapidly while inventory stays very low. That's ...
by snowman
Wed Jun 08, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: New Truck?
Replies: 46
Views: 3120

Re: New Truck?

Get it fixed. It is a very reliable truck and will last many years and miles. Your particular issue is not a symptom of things to come - it's a well known design problem. Nissan first addressed the issue by extending the warranty on coolant and transmission, but as more and more trucks were affected...
by snowman
Wed Jun 08, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Best Smartphone to use on Cricket?
Replies: 9
Views: 596

Re: Best Smartphone to use on Cricket?

You could buy ATT GoPhone 5" Lumia 640 for $30 (saw it at local Target couple weeks ago for $15), or 5.5" ZTE Zmax 2 for $100 (was on sale for $50). Email ATT to have it unlocked, takes 2 business days to get the code. Then switch to Cricket and get a signing bonus for bringing over Sprin...
by snowman
Wed Jun 08, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Best Smartphone to use on Cricket?
Replies: 9
Views: 596

Re: Best Smartphone to use on Cricket?

You could buy ATT GoPhone 5" Lumia 640 for $30 (saw it at local Target couple weeks ago for $15), or 5.5" ZTE Zmax 2 for $100 (was on sale for $50). Email ATT to have it unlocked, takes 2 business days to get the code. Then switch to Cricket and get a signing bonus for bringing over Sprint...
by snowman
Tue Jun 07, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: House appraisal came in low but high enough for refi -- is it a big deal?
Replies: 10
Views: 723

Re: House appraisal came in low but high enough for refi -- is it a big deal?

We refied last year, appraisal came really low. We got a letter from lender informing us that we have the right to appeal. I called to ask what it means for our refi, and was told that the letter goes out automatically whenever appraisal comes 10% or more below their own internal value models. Was t...
by snowman
Fri Jun 03, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union
Replies: 60
Views: 6084

Re: Lake Michigan Credit Union

j0nnyg1984 wrote:LMCU has the bulk of my HSA funds in a savings account paying 2%. I really don't have any interaction with them - so far, so good.

Same here, except that they recently lowered interest rate in HSA accounts from 2% to 1%.
by snowman
Fri Jun 03, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Move to Denver (Job) or stay in NoVA ?
Replies: 53
Views: 4431

Re: Move to Denver (Job) or stay in NoVA ?

Jupiter man, I live in this area, and personally I think you really lucked out! Company actually paying you to move to Colorado? Wow! This is one of the best places to live in the country – excellent weather year-round, no mosquitoes, low humidity, breathtaking mountain scenery, biking, fishing, hik...
by snowman
Tue May 31, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular - plan changes, eliminating overage charges
Replies: 25
Views: 1851

Re: Consumer Cellular - plan changes, eliminating overage charges

For reference, 2 cricket smart phones on the 2.5G plan would cost $60. $55 if you add a credit card in advance. If you go over the 2.5G, your added charge is zero. Your plan isn't changed. Your speed is simply reduced and you have unlimited data. If you go to dumb phones, it starts at $50 for 2 and...
by snowman
Sun May 29, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular - plan changes, eliminating overage charges
Replies: 25
Views: 1851

Re: Consumer Cellular - plan changes, eliminating overage charges

Got the same email, with changes outlined to our current plan - more minutes, texts and data for the same monthly fee. Did not see those changes reflected on their website yet. I assume they apply to everyone, not just us.
by snowman
Fri May 20, 2016 6:53 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 12771

Re: Is there a such thing as a blue collar Boglehead?

In my experience, blue-collar and even middle-class perspectives are not often welcomed on this site. The assumption from many posters seems to be that anyone who is smart and hard-working should be wealthy, and those who are not wealthy are lacking something. I have to agree with you, there certai...
by snowman
Tue May 17, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Kids investment
Replies: 26
Views: 2126

Re: Kids investment

I opened "Money account" for each of my kids at ING Direct (now CapitalOne) where they each have savings and checking account that they manage themselves. At about age 10 I also opened minor Roth IRA for them at TDA. There is no opening/ongoing cost at either place, and they manage their a...
by snowman
Fri May 13, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Cell Plans
Replies: 22
Views: 2018

Re: Cell Plans

We are on CC as well, but that's because our usage is much lower than yours. I agree with others - you get more with CW for less money, and since it's the same network, you know coverage will not be the problem. I also had an extra phone that I used to sign up for RingPlus service. I got a new numbe...
by snowman
Thu May 12, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Complete Car Noob- Help Making First Vehicle Purchase
Replies: 66
Views: 7217

Re: Complete Car Noob- Help Making First Vehicle Purchase

Still not a valid reason to replace it - 130K miles on Accord isn't much. Sounds to me like you need to spend money on routine maintenance. Can you tell us exactly what's wrong? Brakes - pads, pads and rotors, or break fluid? Emission - O2 sensor? What else? A lot of stuff you can easily DIY for a l...
by snowman
Mon May 02, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10778

Re: University of Virginia vs University of Miami

So we visited both schools earlier this week. Some points: UVA: 1) As expected, my son loved the campus. Very cool Jeffersonian architecture. 2) Music program, being a department of music, was still very strong for what he wants. Most music majors are double majors. Seems like there would be many s...
by snowman
Tue Apr 19, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 32
Views: 2727

Re: Roku 3 v. Apple TV v. ???

We had Roku 1 now have Roku 3, highly recommend it! It's faster than 1, better search function, better remote with headphones plug - great for late night watching.
by snowman
Tue Apr 19, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10778

Re: University of Virginia vs University of Miami

OP, I was in your shoes last year. My son visited both state universities - one local and one out of state - and made his choice. Since he got scholarships covering full tuition at both places, I was fine either way. The visits were helpful in making the decision. Try to spend 2 days instead of one ...
by snowman
Sun Apr 17, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medical School preparation Pointers for a Sophomore Student
Replies: 48
Views: 3404

Re: Medical School preparation Pointers for a Sophomore Student

Fascinating thread! While neither of my kids is interested in being a doctor, it’s very interesting to read what it takes to become a doctor. I especially appreciate CriticalCareJunkie’s post – very informative! Let me ask the forum a question: if high GPA is so critical, would it not make sense for...
by snowman
Sat Apr 16, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Door problems with new Subaru
Replies: 41
Views: 3627

Re: Door problems with new Subaru

So here's the update. I returned to the dealership today and tried the doors of the 16 Subaru Legacys that were on the lot - their total stock. Every single car had the exact same problem, with the exact same door. The salesman said no one had ever pointed it out to him before, but he presumed the ...
by snowman
Sat Apr 16, 2016 9:45 am
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 11831

Re: What are Pros and Cons to the "Four Hour Workweek?"

Well, you could have went to dinner with a friend with Stage 4 Pancreatic Cancer, and you would have come away with feeling very lucky and asking yourself similar questions. Life is a Card Game and you play the hand you are dealt. You may be dealt Talent, Looks, Smarts and basically cannot lose unl...
by snowman
Fri Apr 15, 2016 12:46 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 5449

Re: Fidelity Spartan 500 Index Fund Dividend

I think people find it odd that a business would be run without a fixed calendar for carrying out such operations as paying out the dividend. The report that Fidelity itself does not readily supply information as to how this is decided adds to the puzzlement. Very much agree with you. I didn't pay ...
by snowman
Thu Apr 14, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 5008

Re: My neighborhood is too quiet (and no kids)

If you want noise get a couple yappy dogs. The smallest ones tend to make the most noise. My neighbor had a couple of yappy dogs. ... I heard one got lost and the other disappeared.... Funny how things like that can happen. :shock: :shock: Agree, small yappy dogs are the worst. Around here, they ro...
by snowman
Thu Apr 14, 2016 2:38 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 5449

Re: Fidelity Spartan 500 Index Fund Dividend

I have to apologize to OP and other posters. In a rush to post my experience with Fidelity, I made a mistake. The fund I was describing is Spartan® Total Market Index Fund - Fidelity Advantage Class, FSTVX: https://fundresearch.fidelity.com/mutual-funds/summary/315911800 My comments still stand tru...
by snowman
Thu Apr 14, 2016 1:42 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 5449

Re: Fidelity Spartan 500 Index Fund Dividend

I have to apologize to OP and other posters. In a rush to post my experience with Fidelity, I made a mistake. The fund I was describing is Spartan® Total Market Index Fund - Fidelity Advantage Class, FSTVX: https://fundresearch.fidelity.com/mutual-funds/summary/315911800 My comments still stand tru...
by snowman
Thu Apr 14, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 5449

Re: Fidelity Spartan 500 Index Fund Dividend

I have to apologize to OP and other posters. In a rush to post my experience with Fidelity, I made a mistake. The fund I was describing is Spartan® Total Market Index Fund - Fidelity Advantage Class, FSTVX: https://fundresearch.fidelity.com/mutual-funds/summary/315911800 My comments still stand true...
by snowman
Thu Apr 14, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: cell phone service - delay, echo and crosstalk
Replies: 17
Views: 1233

Re: cell phone service - delay, echo and crosstalk

OP, We've had similar problem for years and we are in the major metro area, go figure. 3 months ago, we switched to Consumer Cellular, and we have the best experience ever. It's a combination of a phone and carrier. In a space of a month, I purchased 5-6 different phones and tried 3 different servic...
by snowman
Thu Apr 14, 2016 8:55 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 5449

Re: Fidelity Spartan 500 Index Fund Dividend

I don't know the answer, but I had the same concern and contacted Fidelity CS yesterday. After multiple times on hold (through chat), I was told something like "it may be little later this year so just be patient". About a month ago I asked CS "what does Fidelity do with quarterly div...
by snowman
Sat Apr 09, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: How to get my 29 year old sister into saving....("I don't have any money to save")
Replies: 58
Views: 5608

Re: How to get my 29 year old sister into saving....("I don't have any money to save")

In my experience it does not work. Some people are natural savers, and some are natural spenders. Even though she is your sister, it really is none of your business to try to change her money habits. It's between her and her partner, and if both of them are content, leave it as it is. I would only g...
by snowman
Fri Apr 08, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 6238

Re: Dallas suburbs or Northern Virginia for me?

I would be remiss if I didn't tell you to consider Denver. Better overall lifestyle up there with the mountains out your backdoor (and an hour away). Tons of up and coming tech jobs, great food, trendy downtown and Boulder is close by. We love Dallas but will be moving back to Denver in a few years...
by snowman
Fri Apr 08, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Projecting taxes in retirement
Replies: 23
Views: 2675

Re: Projecting taxes in retirement

What I do is run different scenarios in TT and save each one of them. I also have an excel spreadsheet where I outline each scenario and input the numbers from TT.
by snowman
Fri Apr 08, 2016 11:55 am
Forum: Investing - Theory, News & General
Topic: Retirement
Replies: 32
Views: 3171

Re: Retirement

There are many professors around me who do not plan to retire any time soon before 70. Most think they love what they are doing, and are afraid of boring life in retirement. Some even think they would die soon in retirement. Although I've never met one who doesn't sincerely believe s/he is among th...
by snowman
Wed Apr 06, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Appliance Repairs: Is it worth it?
Replies: 44
Views: 4651

Re: Appliance Repairs: Is it worth it?

If you know how to diagnose the problem and repair it yourself, a repair will be cheaper in many cases. In some cases this can save thousands, like the time I repaired my automatic transmission, which I believe would have resulted in a transmission swap had I taken it to a mechanic. It cost me $80 ...
by snowman
Tue Apr 05, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: starting solo 401k - picking custodian
Replies: 9
Views: 537

Re: starting solo 401k - picking custodian

I think you have done very good job summarizing both pros and cons. I don't think it matters much either way, although if I were you I would lean towards TDA. I don't consider trading ETFs a negative, and having loan option is nice to have, just in case. I have all accounts at TDA, except for solo 4...
by snowman
Mon Apr 04, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planner - College
Replies: 29
Views: 2313

Re: Financial Planner - College

For good overview of financial aid process, I always recommend "Paying for college without going broke" by Princeton Review. It's updated annually, and it's available in library for free. You don't really need the latest version at this point, as 99% of content is recycled from prior years...
by snowman
Thu Mar 31, 2016 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Semi retired - part time consulting - IRA contribution?
Replies: 6
Views: 583

Re: Semi retired - part time consulting - IRA contribution?

Run different scenarios in your tax software, that will provide the most accurate answer. It's possible you will remain in 15% tax bracket in retirement, so no need to prepay taxes. Pay attention to state taxes too - many states don't tax retirement income, so you are better off with traditional IRA...
by snowman
Thu Mar 31, 2016 8:20 am
Forum: Investing - Help with Personal Investments
Topic: solo 401k question
Replies: 10
Views: 788

Re: solo 401k question

Since you're right around $2,000, keep in mind "Fidelity may deduct a small balance maintenance fee of $12.00 from a fund balance with a value less than $2,000." (See footnote 3: https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/315911404) That $2,000 requirement is waived in...
by snowman
Wed Mar 30, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: solo 401k question
Replies: 10
Views: 788

Re: solo 401k question

Since you're right around $2,000, keep in mind "Fidelity may deduct a small balance maintenance fee of $12.00 from a fund balance with a value less than $2,000." (See footnote 3: https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/315911404) That $2,000 requirement is waived in...
by snowman
Wed Mar 30, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: solo 401k question
Replies: 10
Views: 788

Re: solo 401k question

That minimum for solo 401k accounts is reduced to $500 (Read #4): https://fundresearch.fidelity.com/mutua ... /315911404

Also, you can buy any ETF, some are free to trade. You are good to go.
by snowman
Wed Mar 30, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 2389

Re: Copper in Brake Fluid

II would also feel uncomfortable recommending that anyone do this without access to a factory service manual for the car. There is an order in which things should be done, and there may be very specific procedures that you're required to follow in order to properly bleed the ABS system, as well as ...

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