Search found 754 matches

by sco
Wed Aug 15, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 5726

Re: Changing Car Cabin Air Filter - after how much time

I live in a high pollen, high use of AC, high bug area. I change mine once every 4 months. It's a 10 minute job on a Tacoma. $10-15 ish for a decent filter, but cheaper is always available. I just set Amazon's Subscribe & Save to deliver one every 4 months and it gets delivered along with whatever ...
by sco
Fri Aug 10, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Front load 401k?
Replies: 23
Views: 1939

Re: Front load 401k?

I don't think you can contribute 100% of your paycheck into your 401k because money has to be withheld for SS & Medicare, income taxes, health insurance, etc. The company I worked for had a maximum 50% for normal 401k contributions & 25% maximum for catch-up contributions. I would think most compan...
by sco
Tue Aug 07, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53092

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

With Free or $5 trades at most brokerages, it would be simple enough to just buy VTI, or ITOT, or one of the others with a proven track record for your taxable account. I assume others would rather make larger less freq purchases in their taxable account, like I would.
by sco
Thu Aug 02, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53092

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

With the recent update to 1.5 Basis points of the other TSM fund, these "Free" funds aren't that exciting. On one had I could save $100-150 per year, on the other hand isn't there always tracking error when a fund starts? This is across many accounts including 401k where I Have Brokeragelink and can...
by sco
Tue Jul 24, 2018 12:12 am
Forum: Investing - Help with Personal Investments
Topic: Company Mishandled My RSUs
Replies: 5
Views: 1036

Re: Company Mishandled My RSUs

It isn't awesome, but I wouldn't make my current employer mad over it. If it is a bigger company, this may be less of an issue.
by sco
Mon Jul 23, 2018 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up dedicated computer for investment/finance
Replies: 12
Views: 1780

Re: Setting up dedicated computer for investment/finance

Why not just spin up a new virtual from a blank image each time you need to do something? Changes are thrown away each time you reboot.

But yeah, you are always going to be coming from the same IP, unless you get creative.
by sco
Wed Jul 18, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Please help me untangle this mess!
Replies: 17
Views: 2569

Re: Please help me untangle this mess!

I would set the Roth IRA's to just use one fund. TSM or S&P500 which ever you have. YOu can use your 401k for all the bonds as you have done, and her 401k to maintain the amount of international that you prefer. This way you only have 2 accounts to do rebalancing in, at least for now. Personally I w...
by sco
Thu Jul 12, 2018 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: $6.55 Northrup Grumman 401k class action settlement
Replies: 31
Views: 5298

Re: $6.55 Northrup Grumman 401k class action settlement

I fill them out, most of the time it is a small check that is a pain. Once it was $2,000 and was over a year after the paperwork was sent in. I forgot about it, and it was a welcome surprise.
by sco
Wed Jul 11, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 2163

Re: Tool cabinets?

I have the red American general from harbor freight, don’t forget the 20% coupon when you go.
by sco
Tue Jul 10, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3483

Re: Car totaled by uninsured driver

I would put money on there being just as many unlicensed as uninsured drivers around here.. There is probably a significant overlap. Apparently about 13% of all motorists are not insured. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists For sure... As Ned Flanders thought, In...
by sco
Tue Jul 10, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Employer match in 401K
Replies: 3
Views: 569

Re: Employer match in 401K

Fidelity changes in my experience are very quick. Of course it has to be a few days before payroll is run (not the pay date. )
by sco
Tue Jul 10, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3483

Re: Car totaled by uninsured driver

Will the police do the work to "discover" that he was uninsured or should I contact them to let them know? I'm out my car and sounds like probably my deductible, but I'm more upset about the guy driving so unsafely though my neighborhood without insurance than anything. I would probably notify the ...
by sco
Tue Jul 10, 2018 12:28 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4207

Re: Monthly Water Usage

Most lawns require water once per week. This is ridiculous. I water every morning, and occasionally again in the evening. Lawn looks fabulous and it's very relaxing to sit and watch/listen. It isn't healthy for the yard though. You should water once a week, or if it is really hot twice a week. But ...
by sco
Tue Jul 10, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5937

Re: Going solar?

Its pretty easy to calculate the payback with some assumptions.

When I did it was almost 15 year payback, and I hadn't calculated in any downtime due to maintenance, etc.. So... No thanks...


Your Mileage will vary.
by sco
Mon Jul 09, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?
Replies: 34
Views: 3050

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

Poster wrote:
Wed Jul 04, 2018 11:03 pm
Dude, go for the Model 3.!!! No brainer. It rocks! And save the earth (more).
How does the Model 3 save the earth?
by sco
Sun Jul 08, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: $50+ gas bill for $4 in gas?
Replies: 16
Views: 3104

Re: $50+ gas bill for $4 in gas?

They are very regulated on what they can charge on the actual product.... Thank your local government..
So they make up for it in random fees that are also approved by your local government..
by sco
Wed Jul 04, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 12989

Re: Best 401k Employer Match Structure

100% on up to 6%, on salary and bonus. 100% vested immediately, after 1 year of employment.
Pre-Tax and Roth Options available.


In the past they have thrown extra money is as some sort of profit sharing. I believe that they stopped that, but it was always and extra 5-10% when it was done..
by sco
Thu Jun 28, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14937

Re: How much (green) cash at home for emergency ?

I talk a lot about finances to friends and lately I'm starting to hear their stories about keeping large cash hordes at home. One friend told me that had 40K in a safe at home. My reply, "Are you crazy?" and then told them to put it in a safe deposit box at a minimum. I've heard 4 stories now with ...
by sco
Thu Jun 28, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14937

Re: How much (green) cash at home for emergency ?

I talk a lot about finances to friends and lately I'm starting to hear their stories about keeping large cash hordes at home. One friend told me that had 40K in a safe at home. My reply, "Are you crazy?" and then told them to put it in a safe deposit box at a minimum. I've heard 4 stories now with ...
by sco
Wed Jun 20, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3716

Re: Sherwin Williams paint

Sherwin Williams paint is good, every local contractor gets a healthy discount which will get it down to almost the same as Behr Paint at the Big box store.

Find someone with an account
by sco
Tue Jun 19, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14937

Re: How much (green) cash at home for emergency ?

Have 8,500 in the gun safe right now. It fluctuates between that and 10,000. 2,200 in hundreds and the rest in 20's, 10's, 5's and 1's. Also about 2,000 face value in per 1964 silver coins. Just want to have plenty of options to negotiate before having to break out the guns. If it becomes necessary...
by sco
Tue Jun 19, 2018 12:23 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14937

Re: How much (green) cash at home for emergency ?

Just as a counter point. The BofA ATM's around here run out of cash every Friday thru about Mid Saturday. I assume that this is because of the reduced bank hours, and the desire to have cash for the weekend. I don't go to an ATM to withdraw often, but the line is noticeable on every weekend.
by sco
Tue Jun 19, 2018 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Partial Owner of Inherited Family Farm/Land
Replies: 16
Views: 2228

Re: Partial Owner of Inherited Family Farm/Land

Have them buy out your wife's 1/4 or get it divided up so that you two can act alone and sell her fully owned acreage. And no, not all land in North Missouri is Tillable, even if you try. Some of it is just rocky, rolling hills with trees currently on it... And prices has been flat a long time, I ha...
by sco
Sun Jun 17, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7108

Re: can we afford to spend $20K on travel annually

I have the vacation myself, but I can’t imagine having enough time for 5-7 week long vacations every year with the kids..

Travel can be considerably cheaper if you take the long view, collect points,etc.
by sco
Thu Jun 14, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: "Bad" 401K or Taxable Account
Replies: 11
Views: 1131

Re: "Bad" 401K or Taxable Account

Factor in your term of employment, and the fact that benefits do change over time.
by sco
Thu Jun 14, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 32
Views: 2402

Re: Role of Annuity For Savers Who have 20+ years until Retirement

And while we are piling on, there is this post: https://www.bogleheads.org/forum/viewtopic.php?f=1&p=3586103#p3586103 This guy's mother put $200,000 into an SP500 index annuity and 5 years later (during which time the S&P total return was 80%) the cash value was $205,000 . I'm surprised she got tha...
by sco
Thu Jun 14, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 32
Views: 2402

Re: Role of Annuity For Savers Who have 20+ years until Retirement

They through around a lot of terms and rates to make you believe that you can make some money. In reality you'd be better off just buying a decent fund and not spending the thousands on ongoing commissions. You ever go to a vacation spot where they are selling a lot of timeshares? And then when you ...
by sco
Thu Jun 14, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3491

Re: Vanguard Advisor Services

I don't use it, but wouldn't hesitate to have my wife use it if I fell over dead. They can be of help transfering accounts, getting things setup, etc. After a while and once you have hit a fixed asset allocation, there just isn't much to do.
by sco
Wed Jun 13, 2018 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with my FIL and an Insurance investment for my child
Replies: 11
Views: 893

Re: Help me with my FIL and an Insurance investment for my child

"How about giving them something that will help them remember you fondly, while they (and you) are still alive?"
by sco
Wed Jun 13, 2018 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with New Retirement Plan Option
Replies: 4
Views: 528

Re: Help with New Retirement Plan Option

Why are you not allowed to do a Backdoor Roth for an extra $5500+ each year, outside of what you are doing today?
by sco
Wed Jun 13, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Allowance [Giving allowance to child]
Replies: 28
Views: 2313

Re: Allowance [Giving allowance to child]

finite_difference wrote:
Wed Jun 13, 2018 10:25 am
To the $ in age parents — is that 2018 dollars, and do you do a COLA adjustment??
It was around 2005-2014 and no I didn't COLA it.
Even Dollar bills are easy, and of course you could make it $2/year or whatever you want.

Tried to keep it very simple for all involved.
by sco
Tue Jun 12, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Allowance [Giving allowance to child]
Replies: 28
Views: 2313

Re: Allowance [Giving allowance to child]

When the kids were in the allowance phase, dollars per week = age. We did this, keep in mind this happened around the ages of 6-15 $1 week into the charity envelope, around the holidays they could decide how this would be spent or donated. They quickly learned that they liked to buy gifts for kids t...
by sco
Tue Jun 12, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 8252

Re: VMMXX (Vanguard Prime MM) risks

I agree, but aren't those returns already including those expenses? I guess what I am looking for, is what is actually the risks that they are taking for those marginally better returns? It is taking more risk (credit risk, liquidity risk) to get returns that almost match vanguard's federal or trea...
by sco
Mon Jun 11, 2018 11:56 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 8252

Re: VMMXX (Vanguard Prime MM) risks

I agree, but aren't those returns already including those expenses?

I guess what I am looking for, is what is actually the risks that they are taking for those marginally better returns?
by sco
Mon Jun 11, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 8252

Re: VMMXX (Vanguard Prime MM) risks

I was looking for something with about 10-20k entry and just a reasonable place to park cash. But it would have to beat Ally 1.6% The VG Federal Money Market fund vmfxx has a 7-day compound/effective yield of 1.76% today. It is not FDIC-insured. All else equal, I would take 1.6% insured from an onl...
by sco
Sun Jun 10, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Should we defer DW’s income to max 403b and 457? Would you?
Replies: 11
Views: 717

Re: Should we defer DW’s income to max 403b and 457? Would you?

I don’t know anything about REPAY. But we do effectively divert my wife’s entire income (minus FICA taxes) to deferred tax accounts (403b/457).. Since my 401k was already maxed, this has substainly decreased our tax bill, and of course made a big difference on the retirement account growth. If she w...
by sco
Sun Jun 10, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 8252

Re: VMMXX (Vanguard Prime MM) risks

I was looking for something with about 10-20k entry and just a reasonable place to park cash. But it would have to beat Ally 1.6%
by sco
Sun Jun 10, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: VMMXX (Vanguard Prime MM) risks
Replies: 71
Views: 8252

Re: VMMXX (Vanguard Prime MM) risks

Does fidelity have a similar dund to VMMXX?
by sco
Tue Jun 05, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5373

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

Something is faulty with the unit or you don’t have enough Freon in it. If it is sized right it is unlikely you damaged anything, or that it would freeze under normal operation.
by sco
Thu May 17, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 11069

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

This does not exist, and anyone offering it is trying to rip you off. That being said, if you're willing to take on moderate risk, you could come close with one of the following funds: Vanguard High-Yield Corporate : 5.63% Vanguard Emerging Markets Government Bond ETF : 4.74% Vanguard Long-Term Cor...
by sco
Wed May 16, 2018 10:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 10966

Re: Yes, I'm 89 all right! [Jack Bogle]

This is my new favorite thread...

Thank you Mr Bogle,
for everything..
by sco
Mon May 07, 2018 12:13 am
Forum: Investing - Theory, News & General
Topic: Fees are higher than we think
Replies: 12
Views: 2440

Re: Fees are higher than we think

I use an advisor who charges an AUM fee. The Monte Carlo Simulations he provides account for AUM fees, fund expense ratios, and expected taxes. So the anticipated withdrawals are real disposable income for me. The purpose of investing is to meet our goals. With or without an AUM fee, if the plan is...
by sco
Thu May 03, 2018 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway B
Replies: 65
Views: 6853

Re: Berkshire Hathaway B

I own exactly 1 share for the Gieco discount. It is scary how close it tends to match the S&P over time... It is off some days, but over time it is close. I have no idea if this will continue, and I really don't care if it goes to zero. It has saved me far more than the value of 1 share in insurance...
by sco
Fri Apr 20, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Buying BRK.B to save $94 annually on insurance?
Replies: 29
Views: 3513

Re: Buying BRK.B to save $94 annually on insurance?

I would hunt around for cheaper insurance first. You might be able to get a better deal elsewhere, removing the need to buy the shares. +1 I just quoted 12 different insurance companies with identical coverage selected for Home & Auto. Sorry but the lizard was the highest of them all :( Of course y...
by sco
Wed Apr 11, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 540454

Re: What's Your Credit Card Rewards Strategy?

Some things like utilities and phone bills, etc. just don't benefit by using something else. Phone bills get 5 UR points per dollar with my no-fee Chase Ink Cash. Redeemed for travel at 1.5cpp with my Sapphire Reserve, that's 7.5% back. My other utilities (PG&E, San Jose water) don't accept credit ...
by sco
Tue Apr 10, 2018 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 540454

Re: What's Your Credit Card Rewards Strategy?

...I did. I have 2 Fidelity elan visa cards at 2 % cash back. Don't use them because the benefits suck . Only keep them open because they are some of our oldest accounts. Can you elaborate? We have a Fidelity 2% CB card and use as our general purpose "cash back" card - where we don't get more cash ...
by sco
Wed Apr 04, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Random Walk on Sale
Replies: 14
Views: 2379

Re: Random Walk on Sale

you can also read kindle books online at any time.


https://www.amazon.com/CloudReader