Search found 841 matches

by sco
Thu Jan 17, 2019 1:03 am
Forum: Personal Consumer Issues
Topic: Hawaii vacation, any recommendations?
Replies: 30
Views: 2452

Re: Hawaii vacation, any recommendations?

I'd spend the 7 days on Maui and day trip to maybe 1 other island if I wanted. I wasn't impressed with Oahu.

You should see Pearl Harbor, but that is 1 morning. Get there early.
by sco
Wed Jan 16, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 3877

Re: How to buy business class tickets?

I've done both. if you know that there is upgrade availability, you can actually do the purchase and get it upgraded before completing the economy purchase. Just call.
by sco
Wed Jan 16, 2019 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Question moving from stock portfolio to VTI Total Stock Market Index
Replies: 15
Views: 826

Re: Question moving from stock portfolio to VTI Total Stock Market Index

ITOT or VTI is fine, during the trading day put in the sell orders then immediately buy the ETF. With that amount in one lot watch it for TLH opertunities in the coming days/months. May be able to swap it around for another total market etf and get some tax savings for years to come. I wouldn’t mess...
by sco
Wed Jan 16, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 24
Views: 1135

Re: Geico auto - used parts??

GEICO’s service has always been good for me. I heard the same arguments when the local agent raised rates for the last time. It was 3x the cost of Geico because they rated the teenager differently
by sco
Tue Jan 15, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 34
Views: 3296

Re: Winter boot recommendation

Based on the links in this thread I bought the Keens and have been very happy with them for a month. They are so warm, they certainly won’t be used as general work boots during warmer months
by sco
Mon Jan 14, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 52
Views: 5995

Re: Who's flying?

I think things are safe now and would fly but I am supposed to fly in a few months and if the shut down is still going on I am not getting on a plane. You think because some people don't show up that the procedures have changed? Vs the wait times? Or under the impression that the TSA is effective a...
by sco
Mon Jan 14, 2019 12:37 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 52
Views: 5995

Re: Who's flying?

I think things are safe now and would fly but I am supposed to fly in a few months and if the shut down is still going on I am not getting on a plane. You think because some people don't show up that the procedures have changed? Vs the wait times? Or under the impression that the TSA is effective a...
by sco
Mon Jan 14, 2019 12:30 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12568

Re: Recommendations for a 9mm handgun

Oh, and more often than not the selection is a personal choice. There are some real bad handguns out there. Bad means they won't work reliably, but 90-95% of the selection will be personal preference and your ability to control it.
by sco
Mon Jan 14, 2019 12:28 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12568

Re: Recommendations for a 9mm handgun

I'll repeat the above again. Look around, get some GOOD training. If they don't hammer in the fundamentals of safety, including the one the guy a couple posts above didn't do. find someone else. I'm not railing on that guy, the reason that the fundamentals are important is that you want to do all of...
by sco
Sun Jan 13, 2019 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual (65 Life) Whole Life Insurance Question
Replies: 31
Views: 6937

Re: Northwestern Mutual (65 Life) Whole Life Insurance Question

$175 for 200k in coverage? Look at term and then tell me what the rest of the money goes to. The penalties are only there to ensure/insure the commissions are paid to the sales people.
by sco
Sat Jan 12, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12568

Re: Recommendations for a 9mm handgun

Go take some training and do some shooting. To do otherwise would be like picking a car without doing a test drive.

9mm is a fine caliber if it fits your need.
by sco
Thu Jan 10, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: What are my options with the current mortgage?
Replies: 35
Views: 2000

Re: What are my options with the current mortgage?

That amount of saVings would bother me. You aren’t going to catch up with that mortgage rate anytime soon with a savings account. I’d either have most of it invested or pay down/off the mortgage. Does the mortgage balance bother you? It’s a good rate, but if it bothers you pay down 100k and see how ...
by sco
Wed Jan 09, 2019 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: first AA with index funds
Replies: 10
Views: 819

Re: first AA with index funds

I echo the statements on the individual stock, there are for more insurance companies in TSM too.
Gold, Meh. Whatever, but expect it to underperform.

My recommendation is to round everything off to the nearest 5% :)
by sco
Wed Jan 09, 2019 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: 8-month windfall check-in
Replies: 36
Views: 7517

Re: 8-month windfall check-in

The ROth will never be taxed again. (put high gain items there like stocks)

The Traditional IRA/401k/403B will be taxed, put the traditionally lower growth items there. Bonds, Cash, Beanie Babies?
by sco
Wed Jan 02, 2019 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone with HSAs with HSABank tried rolling over to Fidelity?
Replies: 17
Views: 1649

Re: Has anyone with HSAs with HSABank tried rolling over to Fidelity?

What form are people using at Fidelity to make sure their check is marked as a Rollover, and not a contribution?
by sco
Mon Dec 31, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Complete Portfolio Redesign - Leaving EJ - Asset Allocation
Replies: 6
Views: 979

Re: Complete Portfolio Redesign - Leaving EJ - Asset Allocation

Option #2 for Sure.

You can always change it later, if you can't hit your target numbers in the 401k.
by sco
Sat Dec 22, 2018 12:22 am
Forum: Investing - Help with Personal Investments
Topic: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa
Replies: 28
Views: 1388

Re: TLH technique question - how to best time a swap from ETF to mutual fund or vice versa

It doesn't have to be exact. the benefit of the tax savings will likely offset any issue there.

You are overthinking this. You can be very quick, or sell/buy 25%, every 2 minutes or whatever if you feel better about that.
by sco
Sun Dec 16, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 2953

Re: Is it difficult to change a baby's legal name?

I probably wouldn't name my kids the equivalent of Jack Daniel's..
by sco
Sun Dec 09, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Kansas 529 Savings Plan
Replies: 6
Views: 599

Re: Kansas 529 Savings Plan

b4nash wrote:
Sun Dec 09, 2018 9:46 pm
Isn't the deduction the same regardless of how many 529 accounts or the beneficiary? Why not just keep the one account with you/your spouse as the owner and change the beneficiary to whatever family member needs it.
It is the same, as long as you are married filling jointly.
by sco
Sun Dec 09, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: PC Build Suggestions
Replies: 39
Views: 3042

Re: PC Build Suggestions

Yeah, look at Toms Hardware monthly recommendations and then post on their forums with any other questions.
by sco
Sun Dec 09, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Kansas 529 Savings Plan
Replies: 6
Views: 599

Re: Kansas 529 Savings Plan

In that case, you are correct on all points.
by sco
Thu Dec 06, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10796

Re: Why is Costco gas so much cheaper

I've heard that the gasoline at many discount fuel stations is older gasoline that, for whatever reason, didn't get sold in time to make it to the 'premier' stations. But that may be completely false. How would this work? The tankers transporting to all of the gas stations pull from the same distri...
by sco
Thu Dec 06, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10796

Re: Why is Costco gas so much cheaper

I've heard that the gasoline at many discount fuel stations is older gasoline that, for whatever reason, didn't get sold in time to make it to the 'premier' stations. But that may be completely false. How would this work? The tankers transporting to all of the gas stations pull from the same distri...
by sco
Thu Dec 06, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Kansas 529 Savings Plan
Replies: 6
Views: 599

Re: Kansas 529 Savings Plan

You don't have to use KS 529, you can use Vanguard's or Fidelity's if you prefer.
by sco
Sun Dec 02, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off today only
Replies: 11
Views: 1515

Re: Target gift cards 10% off today only

Yes it is a contribution. But you can dump it into a CMA as well. YOu can choose to redeem the points however you see fit, it doesn't have to auto-redeem into any particular account at any time. So Jan 1st every year you could redeem whatever you have, and top it up with cash if needed to get to the...
by sco
Sun Dec 02, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off today only
Replies: 11
Views: 1515

Re: Target gift cards 10% off today only

Target gift cards up to $300 are 10% off today only. An easy way for Target shoppers to make $30. Only $15 if you regularly use the Red Card with 5% off, but still easy cash. 10% off plus another 2% cash to my Fidelity IRA. A great deal given we spend anywhere from $40-100/weekly at Target. Don't y...
by sco
Thu Nov 29, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Wrinkle on the 529 v. Investing Question
Replies: 5
Views: 754

Re: Wrinkle on the 529 v. Investing Question

If someone was giving me that kind of money I’d probably be more worried about their thoughts on how best to use it, rather than a point or two in growth yearly. Would they like to help with their grandsons school? Sure that works. I’d do as your doing and go with as much relevant information as pos...
by sco
Thu Nov 29, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5675

Re: Is good, quality luggage worth the price?

I have bought 2 of those $100 cheap sets of 5-6 pieces over the past 18 years. Their primary use is for once or twice a year when we are checking luggage on family vacations. I still have most of the pieces and it’s nice having slightly different sized redundant pieces. I also have one $120 carry on...
by sco
Wed Nov 28, 2018 11:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781867

Re: U.S. stocks in freefall

Agree completely. I am 80/20 and am still a little annoyed that I have so many bonds right now. But I can't put more into stocks, because i haven't hit my mandated IPS rebalance of 5% Well, I do intend to keep adding 1-2% bonds every year from now until I retire, as per my intended AA. If stocks co...
by sco
Wed Nov 28, 2018 1:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781867

Re: U.S. stocks in freefall

I'm very curious if people who have 60% or more of their investment portfolio in common stocks are actually able to sleep well at night during times like this. I guess I can understand it if you're in your 20s or 30s and have 30-40 years of working and job income in front of you. But what about you...
by sco
Mon Nov 26, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 16
Views: 1593

Re: Portfolio Review Request

I understand what you did and why you did it (Asset Allocation in each separate account)... If you like it that way keep it. However recently I have found that there is some value in simplicity. So a couple of ideas in no particular order. Obviously you could Treat it all as one account and then pic...
by sco
Mon Nov 26, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9250

Re: Networth to buy a dual turboprop aircraft?

There is no doubt that Charter is the way to go, for no other reason than the ability to budget for it. If you purchase the variables are going to kill you.
by sco
Mon Nov 26, 2018 12:09 am
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9250

Re: Networth to buy a dual turboprop aircraft?

In 3 years. the purchase price will be about 1/3 of what you pay all in. This assuming you buy something under the 1M mark. If you can handle this, you are ready. Remember Turbine engines and hot sections can easily run into the 100's of thousands. Purchasing it is the easy part. And it doesn't matt...
by sco
Wed Nov 21, 2018 1:16 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5508

Re: fuel for snowblower

Run Pure gas only in them, and run them dry at the end of season. no big deal.
by sco
Tue Nov 20, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: 8-month windfall check-in
Replies: 36
Views: 7517

Re: 8-month windfall check-in

Also not sure why you have so many different funds in Taxable, but I haven't gone back and re-read the thread either. If you can TLH some those, I would and just focus on one Total Market Index in taxable. It's because I was in Betterment before and they bought those funds. Didn't sell when I trans...
by sco
Sun Nov 18, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1969

Re: What convenience fees does your city charge for credit card use?

No fee, yet. Sucks that city's are starting to charge for it, but I guess they're just trying to recoup costs. Seems as though online or electronic billing would be lower overall cost for the municipality than folks going in person with a wad of cash. That would only be true if they would actually ...
by sco
Sun Nov 18, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1969

Re: What convenience fees does your city charge for credit card use?

My city water utility charges $2.00 per transaction. I pay by check now that they've implemented it. :annoyed $2 per credit card transaction regardless of the amount due? Yes, no matter what my water bill is, if I want to use a cc/debit card to pay my monthly bill online, they charge 2 bucks. I can...
by sco
Fri Nov 16, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 76
Views: 10341

Re: My Edward Jones IRA is out performing my Vanguard 401K

Good post, but I wouldn’t make the assumption that the EJ salesman has any input on fund selection. They do what they are told, most have no prior experience, and limited financial training.
by sco
Thu Nov 15, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 76
Views: 10341

Re: My Edward Jones IRA is out performing my Vanguard 401K

There is no way with 1.4 - 2% fees that you will be better off in the long term... you will hand over 1/4 to a third of your portfolio to EJ..

If they are attempting to beat the indexes, they will also be taking more risk for you than necessary for "average" returns.
by sco
Thu Nov 15, 2018 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5370

Re: Oops! Edward Jones tops Vanguard in customer survey

It is a customer satisfaction survey. Of course EJ's customers are happy, if they ever figured out what they were paying compared to everyone else they would either remain happy or leave.
by sco
Tue Nov 13, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3169
Views: 615135

Re: What's Your Credit Card Rewards Strategy?

What you are describing is something called “backdating”, and only Amex did this. Note that Amex too stopped this practice at least 3 years ago, and if you cancel the card but apply for another Amex card later, it will NOT inherit the opening date of the oldest card. ? I just applied for a new Amex...
by sco
Mon Nov 12, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3169
Views: 615135

Re: What's Your Credit Card Rewards Strategy?

I get my companion passes in January so it is good for 23 months. It's great that you can time it like that. I'm sitting here waiting for January to come. TravelforFun For a while you could apply for the Business and personal Southwest cards from chase, and get bonuses from both. I think that they ...
by sco
Mon Nov 12, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3169
Views: 615135

Re: What's Your Credit Card Rewards Strategy?

I get my companion passes in January so it is good for 23 months.
by sco
Mon Nov 12, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7562

Re: Too many choices for my next TRUCK

I wouldn't buy the 250 if I didn't have a specific need for it...
by sco
Mon Nov 12, 2018 12:55 am
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 36
Views: 3403

Re: high deductible vs. PPO calculation--high deductible always wins?

If you happen to be at a company that yearly deposits money into your HSA, make sure to account for this. It effectively reduces your total possible out of pocket/deductible....

Or better yet, is available for later years.
by sco
Sun Nov 11, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4843

Re: Do you prefer etfs or mutual funds?

I prefer funds in all my retirement accounts, automatic investment and every penny is invested. ETFs the only use I have for them might be in a taxable account, and simply due to their portability to any brokerages. You can transfer them around and get bonuses, without concern over whether this fund...
by sco
Wed Oct 31, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: 8-month windfall check-in
Replies: 36
Views: 7517

Re: 8-month windfall check-in

Inherited IRA at Vanguard ~$70,000 VBTLX Vanguard Total Bond Market Index Fund Admiral Shares ~$40,000 VTIAX Vanguard Total International Stock Index Fund Admiral Shares Roth IRA at Vanguard ~$33,000 VTABX Vanguard Total International Bond Index Fund Admiral Shares I'd probably move the bonds from ...
by sco
Sat Oct 27, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: To those who avoid FICA with HSA payroll contributions
Replies: 51
Views: 8765

Re: To those who avoid FICA with HSA payroll contributions

I would be shocked if I pass the second bend point. That's a a salary of over $70k for 35 years. Does that mean I shouldn't avoid FICA with HSA? Remember that salaries are adjusted for inflation; you can see the inflation adjustments on the SSA web site. But if you are below the second bend point, ...
by sco
Sat Oct 27, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: To those who avoid FICA with HSA payroll contributions
Replies: 51
Views: 8765

Re: To those who avoid FICA with HSA payroll contributions

soda_bandit wrote:
Sat Oct 27, 2018 12:08 pm
About $2.2M in today's dollars. ($5,397/month * 12 months * 35 years)
Thanks. Might be close enough to add up the previous years reported and see if it’s close? Still several years out.