Search found 1156 matches

by Tamarind
Thu Nov 15, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 1684

Re: Mesh versus Range extender

+1 for mesh because it is just easy. Google WiFi was extremely easy to set up and control, so we got it even though it was overkill for our small house. No regrets.
by Tamarind
Tue Nov 13, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 32
Views: 2482

Re: Any space heaters that automatically maintain a temperature in a room!

I like these: https://www.amazon.com/dp/B000TGDGLU/ref=cm_sw_r_cp_awdb_t1_QIS6BbEJT2Z6T Delonghi oil-filled radiator with a thermostat. Or you can pair the dumb space heater of your choice with an outlet which has a thermostat probe. The outlet will only be energized when the temperature drops below...
by Tamarind
Mon Nov 12, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: At what point does a life insurance policy not make sense?
Replies: 16
Views: 1736

Re: At what point does a life insurance policy not make sense?

I don't have individual life insurance YET because my wife and I have no children. DW works and my employer-provided group life policy would be sufficient to pay off the mortgage which is our only large obligation. I plan to get term life policies for both of us if/when we decide to have a child. I ...
by Tamarind
Sat Nov 10, 2018 7:40 am
Forum: Investing - Theory, News & General
Topic: Would you still jump if you were ready, then the market dropped 50%??
Replies: 40
Views: 4611

Re: Would you still jump if you were ready, then the market dropped 50%??

If I had already moved into my planned retirement AA (50/50) when the drop came, then absolutely I would. If I hadn't yet, I probably still would jump but would be likely to err on the low side for expenses for a couple of years.
by Tamarind
Tue Nov 06, 2018 6:51 am
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7341

Re: Do people calculate savings rate on gross income?

Gross makes more sense to me because then I have apples-to-apples for how much goes to savings, taxes, and spending. If you use net, it seems to imply that the tax portion is out of your hands, which it isn't.
by Tamarind
Sat Nov 03, 2018 7:09 am
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 7698

Re: How low can BND go?

Lower. Most likely not as low as stocks can go. Keep tuning out the noise.
by Tamarind
Fri Nov 02, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2200

Re: What does your gut tell you; RMD now or in December?

You should pick a date and automate the RMD process. That will avoid the yearly issue of when. I would opt for some time in early/mid November. Don't like to get financial matters done during the holiday/end of year rush if it can be avoided. I think this is the best advice. The amount you have to ...
by Tamarind
Thu Nov 01, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Tax refunds expected to be 26% more in 2019
Replies: 52
Views: 5688

Re: Tax refunds expected to be 26% more in 2019

Now that I'm married (and DW works a non-exempt job) it's my first year trying to fine tune withholding. I've tweaked it twice so far in 2018. Thanks for reminding me to check it again with this thread. DW has worked a lot of overtime the last couple of months so I'm sure to be under. Goal is to owe...
by Tamarind
Fri Oct 26, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 299
Views: 46325

Re: New HSA provider Lively offers investments for $30/yr fee

I'm about to sign up and try a trustee-to-trustee transfer from HealthEquity. I'm no longer eligible for HSA contributions since my new employer doesn't offer an HDHP, but at least I can get out from under HE's fees and let the balance accumulate. I LOVE that Lively lets you connect a bank account ...
by Tamarind
Fri Oct 26, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 447
Views: 42459

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

OP here. Has anyone tried to fund the new account during the opening process (via ACH) with the funds from the account owned by a spouse (your name is not on the funding source)? Not a new account, but tried to pull to a joint Ally account from an account in my wife's name (w her approval of course...
by Tamarind
Wed Oct 24, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16824

Re: Where would you go for financial guidance if you win the Megamillions?

Ran across this reasonably sensible (and actionable for any very large windfall) suggestion: https://slate.com/human-interest/2018/10/mega-millions-lottery-winner-guide-advice.html TL;DR: Use it to start a charitable donation that can protect you from taxes, keep you from blowing it all, hello you p...
by Tamarind
Wed Oct 24, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7832
Views: 1607429

Re: U.S. stocks in freefall

I'm out until DOW drops to 16,000. Short-term treasuries are the place to be. You may be waiting for Godot. What happens if it's 2020 and the Dow is still nowhere near 16,000? My dad threatened to do this in Jan 2016. Swore he'd stay 100% in stable value funds until the Dow hit 14k. Good thing I ta...
by Tamarind
Wed Oct 24, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Considering Leaving Vanguard [due to incompatibility with Mint]
Replies: 8
Views: 969

Re: Considering Leaving Vanguard [due to incompatibility with Mint]

I was expecting to have trouble with this, but Mint and Personal Capital continue to update just fine even though I've enable MFA.
by Tamarind
Tue Oct 23, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7692

Re: For those who paid off house - how did you do it?

I am a little over halfway to option #1. However I am not paying it off "early". My first mortgage was a 15 year fixed and I just decided I would finish paying mortgage debt at 15 years. The first few years I contributed nothing extra. Once I reached the point where my wife and I could max out all o...
by Tamarind
Thu Oct 11, 2018 5:15 am
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9870

Re: When will you backup the truck on stocks

My wife procrastinated on making her Roth IRA contribution for 2018, and I'm encouraging her to go ahead and do it. She'll be buying mostly international equities, because that's what we've allocated to her Roth. We're a smidge underweight in them currently, but not enough to trigger rebalancing. We...
by Tamarind
Fri Oct 05, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15520

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Compared to SoCal (where my S-I-L lives) I would say NC has SoCal beat hands down in affordability of homes, culture (especially high culture), parking facilities and crime. You totally had me until "high culture!" What the heck is high culture and how could NC ever have anything remotely resemblin...
by Tamarind
Fri Oct 05, 2018 5:22 am
Forum: Investing - Help with Personal Investments
Topic: 47yo funded college, paid house, maxed retirement...now what?
Replies: 22
Views: 2801

Re: 47yo funded college, paid house, maxed retirement...now what?

What percentage of your gross income did you spend last year on things other than mortgagee and retirement/non-retirement savings? If you have enough to retire, but you like your work, do a little more pro bono work. Or get more selective to tip your work towards the kind of cases you most enjoy wor...
by Tamarind
Thu Oct 04, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Entering Late In Life
Replies: 21
Views: 2363

Re: Entering Late In Life

Glad you found us, OP. Keep breathing deep. I would suggest you revisit the idea that rent is "throwing money away". People say that a lot casually without really thinking it through. Rent money gets you more than just a place to live: *You also get freedom from having to pay for maintenance costs o...
by Tamarind
Wed Oct 03, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 81
Views: 9432

Re: For those of you in the Accumulation Phase - How often do you check?

I check my aggregation app daily because I review all transactions on my CC and bank account. In doing so I'm also exposed to a chart so I see the total balance every day. If there's a sharp jump or dip (it takes at least 2% to really stand out) I'll sometimes look to see what moved. "Oh, internatio...
by Tamarind
Wed Oct 03, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help me help my parents with Medicare/Medigap, ACA, and Roth conversion questions
Replies: 6
Views: 723

Re: Help me help my parents with Medicare/Medigap, ACA, and Roth conversion questions

Picking up on Celia's comments: In addition, I suggest you (or they) list their expected income sources and income amounts for each year from 2019 through your mom being age 71. Then estimate the taxes for each year. They will need to have some income to qualify for an ACA plan but having too much ...
by Tamarind
Mon Oct 01, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Help me help my parents with Medicare/Medigap, ACA, and Roth conversion questions
Replies: 6
Views: 723

Help me help my parents with Medicare/Medigap, ACA, and Roth conversion questions

Hi folks, my mother is very excited to retire at the end of this year. However she is surprised by how complex and expensive health insurance looks to be. I've been helping them make plans for investments and timing social security, but Medicare math is completely new to me so I could use some help....
by Tamarind
Thu Sep 27, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4404

Re: Anyone ever tired of managing hair and consider shaving to go bald

I have been considering it now and then, but the fear or social stigma especially in the work place is keeping me away from doing it. Not to speak of unspeakable horrors at home from my spouse and kids. But, I want to feel free sometimes of the hair, and at least for once try it. Has anyone else tr...
by Tamarind
Wed Sep 26, 2018 6:15 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4404

Re: Anyone ever tired of managing hair and consider shaving to go bald

I don't shave bald because it looks funny on me, but I trim my whole head with a 1-gauge every couple weeks. I just like it best that way. Every office I've worked in had had at least one guy or gal who shaved bald, whether as a response to awkward hair loss or just for personal preference. Just try...
by Tamarind
Wed Sep 26, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: How and When to Tell a Prospective New Employer about a Needed Disability Accommodation
Replies: 14
Views: 1622

Re: How and When to Tell a Prospective New Employer about a Needed Disability Accommodation

Agreed you should wait until after the offer. This is part of the non-contractual minutia that gets worked out between offer and start day. Bone up on the law so you can calmly push back if they suggest you ought to buy your own standing desk. It's not a big deal at most tech companies, but some are...
by Tamarind
Tue Sep 25, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2371

Re: Flu shot reaction? Getting flu shot this year?

I've never had a serious reaction though I've gotten the shot every year for decades. As a person with reduced lung function I rely upon both the shot and herd immunity to reduce my odds of dying from influenza or influenza-related pneumonia. I also lost a dear friend to complications of the flu. So...
by Tamarind
Tue Sep 25, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Rolling vested pension into IRA
Replies: 6
Views: 400

Re: Rolling vested pension into IRA

If this is a cash balance plan (what many pensions have been turned into over the last 20 years) you can definitely just roll it into a tIRA without tax gotchas. I'll leave it to others with more direct experience to weigh in on whether it's best to have a separate rollover IRA or roll it into the s...
by Tamarind
Tue Sep 18, 2018 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2800

Re: Bank of America credit card “feature” (be careful with autopay)

I agree that it will take a quick phone call to fix this. Even if you do not call, they will likely send you a check next month. I think it is due to some anti money laundering law. I agree that it's best to call. I accidentally did this with a much smaller amount (~$120) as I was swapping to new c...
by Tamarind
Tue Sep 11, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6700

Re: Hurricane Florence - survival guide

Picked up an extra quart of stove fuel yesterday though I expect it'll stay sealed until a few camping trips from now. I always have a week of non perishable food on hand. Unfortunately we got a lot of rain here last night and more showers expected next day or so, so the ground will be saturated eve...
by Tamarind
Sun Sep 09, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4676

Re: $250,000 family loan to parents?

I'd advise against it. Needing the money to move will incentivize them to fix the house and get it sold in good order. They can get a short term rental if they need one to bridge. I'm currently watching my parents after they moved to a smaller apartment before starting to prepare their home for sale...
by Tamarind
Fri Sep 07, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Car Shopping, Seem to lose my Boglehead way each time help!!
Replies: 37
Views: 3017

Re: Car Shopping, Seem to lose my Boglehead way each time help!!

I agree you are trading too quickly. 9-10 years would be impressive if you drove more, but you don't, so from my POV that 2011 is nearly new. I also buy new, but I don't care about trade-in or resale value, because I want to get all but the scrap value out of each car. Keep them until 150k+. If they...
by Tamarind
Fri Sep 07, 2018 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?
Replies: 34
Views: 4348

Re: Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?

Articles taking down the Edward Jones model by exposing the way they treat their customers often also highlight the situation of their advisors, who have less working autonomy than many front line corporate salesperson. The portfolios are dictated (along with the coffee, the handouts, and your suit)...
by Tamarind
Thu Sep 06, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4973

Re: To Be or Not to Be...Married

OP, I understand why you’d want to “run the numbers” about getting married, but I’d like to encourage you to go ahead and do it regardless of the numbers. I love being married and it gives you benefits you don’t realize. Congratulations. B Could you elaborate more on the benefits? I am committed to...
by Tamarind
Thu Sep 06, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4973

Re: To Be or Not to Be...Married

I have mixed thoughts on this. I generally think it's important for people planning to be parents to get married, as there's no real substitute for the legal relationships marriage creates. However the student loan hit in particular is painful. How long is left before forgiveness? Will he experience...
by Tamarind
Mon Sep 03, 2018 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 35 year old
Replies: 21
Views: 2252

Re: Portfolio for 35 year old

ivk5 wrote:
Mon Sep 03, 2018 6:59 am
OP: I’d dump the 100k FANG and reflect on what’s driving the stock-picking impulses, which can be lethal. (Also as someone who works in tech you’re heavily exposed to that sector risk already. Income risk plus cap weighting in the index would be exposure enough for me.)
Seconded.
by Tamarind
Mon Sep 03, 2018 5:33 am
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18654

Re: How to Retire in Your 30's with $1 Million in the Bank

Just wanted to post my families story on here before it gets locked and/or deleted. Someone in the last thread had mentioned that they couldn’t leave their big time job until they had enough saved for FIRE, then gave a rundown of why other jobs wouldn’t work etc. I just wanted to say that it isn’t ...
by Tamarind
Mon Sep 03, 2018 5:09 am
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18654

Re: How to Retire in Your 30's with $1 Million in the Bank

I wonder if we are seeing a rising trend in the very early retiree demographic, or if there are just some vocal outliers who make for good headlines. Every one of these articles is little more than a blog advertisement. If there is a trend, I'd point to the rise of commoditized high-IQ jobs (tech, ...
by Tamarind
Fri Aug 31, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3400

Re: Nanny online payment services - why are they so expensive?

I think the why is because they are at the intersection of two high margin industries (software and accounting). Also because the price is set based on the value people find in avoiding the hassle and fear of doing it themselves (and maybe doing it wrong), rather than the cost of doing it.
by Tamarind
Thu Aug 30, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: I.R.S. form 5498 - IRA Contribution Information
Replies: 5
Views: 612

Re: I.R.S. form 5498 - IRA Contribution Information

I tend to accumulate paper too, but I would keep the annual doc (whether IRS form or account statement) that could serve as proof of your contribution amount, especially if you've changed custodians. If you needed to make an early withdrawal due to some hardship, you should be able to prove the amou...
by Tamarind
Mon Aug 27, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: What should I do with my "secured" credit card?
Replies: 9
Views: 743

Re: What should I do with my "secured" credit card?

If they allow you to reduce the limit/deposit you'll still take a small hit to your credit as your utilization will go up when your total credit limit drops. You've left the deposit there for a while. I would get a new card ASAP to start the clock and keep that one at least a year before considering...
by Tamarind
Mon Aug 27, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Man...opening a savings account with Ally is an arduous process.
Replies: 32
Views: 3220

Re: Man...opening a savings account with Ally is an arduous process.

Don't you just go onto their website sign up, link their account to your primary checking account, they send two small deposits to your primary checking, then you log onto Ally and verify those two deposits and you are then good to go. Couldn't be any simpler.... That was my experience. Mine too, i...
by Tamarind
Fri Aug 24, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Help me decide what to do first
Replies: 5
Views: 415

Re: Help me decide what to do first

What are your other expenses like? What I'm really getting at is, after paying your mortgage, minimum student loan payments, and covering your basic needs, what's your free cash flow right now? If it were me, I'd want a larger emergency fund first (at least 3 months, 6 months better). I would also w...
by Tamarind
Wed Aug 22, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 16822

Re: Good Non-Boring Boglehead Cars Under $30k

I'm also surprised to see the Mazda3 listed. If it's a serious contender, then add in the Hyundai Elantra, the 3’s sibling-separated-at-birth. What's that you say, the Elantra is a fine but boring car, an excellent commuter? Yep, and so is the Mazda3. :twisted:
by Tamarind
Fri Aug 17, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7755

Re: Reckless driving ticket in VA-Help!

I cannot comment directly on VA. In my state (NC) the "faulty speedometer" defense has gone the way of the dodo at last. If this is your first ticket in many years, you should be able to reduce it to something with no major impact on your insurance rates. You do not have to appear in court yourself....
by Tamarind
Fri Aug 17, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor Dumped, Now How to Best Simplify
Replies: 20
Views: 2612

Re: Advisor Dumped, Now How to Best Simplify

Now, before you hit sell, consider your custodian! What funds do you want to invest in? Where can you buy those funds for free? If there is more than one place, will any of them offer you a bonus or free trades for moving your money there? If so, it might be best to move the account in-kind and sel...
by Tamarind
Fri Aug 17, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Advisor Dumped, Now How to Best Simplify
Replies: 20
Views: 2612

Re: Advisor Dumped, Now How to Best Simplify

If the net unrealized amount is a loss, then just sell it all this year. You'll get a little tax relief to sweeten the bitter lesson. (https://turbotax.intuit.com/tax-tips/investments-and-taxes/capital-gains-and-losses/L7GF1ouP8) Now, before you hit sell, consider your custodian! What funds do you w...
by Tamarind
Fri Aug 17, 2018 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Marriage Name Change Logistics
Replies: 14
Views: 1580

Re: Marriage Name Change Logistics

Does one have to go to the court to get her name changed? In CA you can input your new name choice on marriage license and use that to start the process... if you don’t, you have to go to court to change it. This is not quite correct. In some states you can put your new name on the marriage license...
by Tamarind
Thu Aug 16, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 47
Views: 3567

Re: Seattle- mandatory affordable housing units affect single family home values?

If a new seven-story building is going up where there was previously a smaller building in Seattle, it's very likely this area is part of the recent upzone to create affordable housing in Seattle. (See https://www.seattletimes.com/seattle-news/politics/neighborhood-upzones-for-affordable-housing-qa...
by Tamarind
Thu Aug 16, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Marriage Name Change Logistics
Replies: 14
Views: 1580

Re: Marriage Name Change Logistics

The IRS primarily uses your SSN to identify you. As long as the W-2 and 1099 use the correct SSN and correct maiden name, the IRS will not be a source of trouble. Start by updating name with the Social Security Adminstration, then the DMV. Once that's done, notify all bank/credit providers you are g...
by Tamarind
Thu Aug 16, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Should I Max Out Tax-Deferred Accounts?
Replies: 28
Views: 2372

Re: Should I Max Out Tax-Deferred Accounts?

Regarding the infamous Roth pipeline.....it probably has a use somewhere, but it is is not really going to solve a problem for you (in my opinion). You would be converting tIRA to Roth IRA for some years right before retirement. Right before retirement will likely be your highest income years....th...