Search found 660 matches

by Tamarind
Tue Dec 12, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 1923

Re: Cricket Wireless: What are the gotchas?

I've had some issues with MMS receipt and delivery on Cricket. It's worse now on my Pixel 2. My dad had some trouble getting their voicemail settings to play nice with Google Voice. Otherwise like Cricket and find it a good value for the money. There are better deals depending on local reception qua...
by Tamarind
Mon Dec 11, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 54
Views: 3983

Re: Year end review with less nerdy spouse

triceratop wrote:
Mon Dec 11, 2017 7:48 pm
cheesepep wrote:
Mon Dec 11, 2017 7:46 pm
PPT slides in a family? Uh, no!
Smart thinking. Correct, I would advise using LaTeX/Beamer instead.
:P
by Tamarind
Mon Dec 11, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: What cause BH fear about running out of saving though they have big size of asset?
Replies: 27
Views: 1576

Re: What cause BH fear about running out of saving though they have big size of asset?

I think money is the venue through which many BHs, including myself, attempt to exercise control over the things in life we can't control. We don't know when a job, or health, or a relationship might disappear. But money buffers most things and hopefully reduces future suffering.
by Tamarind
Mon Dec 11, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off a mortgage with an almost non-existent rate
Replies: 15
Views: 1180

Re: Paying off a mortgage with an almost non-existent rate

Don't pay off the mortgage. At that rate, your emergency fund will provide better return. I'm not sure from your post but it looks like you don't have one right now or it's not as large as you want? I would definitely accelerate that with any extra money.
by Tamarind
Mon Dec 11, 2017 8:00 am
Forum: Investing - Help with Personal Investments
Topic: No transaction fee for Vanguard ETFs?
Replies: 21
Views: 1220

Re: No transaction fee for Vanguard ETFs?

Automatic purchases, and once you have enough to use admiral shares for everything the ER is the same.
by Tamarind
Mon Dec 11, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 17
Views: 1035

Re: Japan in summer

Plan well ahead for your rail passes and sim cards. For little things that you forgot, 7-Eleven is a strange and magical place in Japan. In urban areas they will have surprisingly decent prepared food, hygiene products, small electronics, and an ATM. YMMV but consider a short stint in an AirBnB that...
by Tamarind
Sun Dec 10, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 34
Views: 2096

Re: Can/Should early retiree avoid ACA tax credits?

It's no different than a tax advantaged account. Just about every system has corner cases not anticipated by those who set it up. Work with the system we have, and then work to change the system if you think it's not as it should be. Advocate for better/fairer rules and use your extra resources to a...
by Tamarind
Thu Dec 07, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Beefy Brothy Stocky Thing Advice
Replies: 15
Views: 1748

Re: Beefy Brothy Stocky Thing Advice

Needs more bone, IMO, to actually get something that'll taste like good broth. If you buy some beef bones, roast them first, then boil. You probably won't need both the veal and the hoof unless your goal is for the thing to set solid. Just finished cooking down my turkey carcass and two chicken carc...
by Tamarind
Wed Dec 06, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 150
Views: 8456

Re: Do people still use AAA?

Yes, I have and use AAA. Twice in the last month actually, as fiancee's car is entering the first round of major breakdowns at 130k miles. First was the spark plugs, second the alternator. I've also used it myself from time to time, mostly for battery failures. Always gotten excellent service, inclu...
by Tamarind
Mon Dec 04, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: How my FIL saved for college
Replies: 13
Views: 1709

Re: How my FIL saved for college

Wow! Does that mean bank interest rates and stock returns were also abnormally high in order to make that kind of borrowing rate seem normal? The "other side" of these very high interest rate return days was... very high interest rate mortgages. In the very early '80's, my first mortgage was 17.5%....
by Tamarind
Sun Dec 03, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: When/how to pare back cash gifts to young relatives as they get older
Replies: 19
Views: 1665

Re: When/how to pare back cash gifts to young relatives as they get older

Just give a little extra attention to writing a kind card this year, and stop. A habit is not an obligation.
by Tamarind
Sat Dec 02, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: PSA: consider pre-paying your property taxes and January mortgage payment
Replies: 21
Views: 2629

Re: PSA: consider pre-paying your property taxes and January mortgage payment

We pay our annual real estate taxes into escrow. We have a payment due in June 2018 that i’d love to make before the end of 2017, and I’m certainly willing to write a check for the amount and send it in directly to the local treasurer. But, does anyone know how that works with the escrow company......
by Tamarind
Sat Dec 02, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5126

Re: How do I convince my employees to invest more?

I have observed that most of my coworkers at that salary are not able to invest much. Especially the ones with kids or student debt or only one earner or medical issues. Here that salary would be near or below median for a household and it takes real focus to save enough out of the budget. YMMV base...
by Tamarind
Sat Dec 02, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: PSA: consider pre-paying your property taxes and January mortgage payment
Replies: 21
Views: 2629

Re: PSA: consider pre-paying your property taxes and January mortgage payment

We pay our annual real estate taxes into escrow. We have a payment due in June 2018 that i’d love to make before the end of 2017, and I’m certainly willing to write a check for the amount and send it in directly to the local treasurer. But, does anyone know how that works with the escrow company......
by Tamarind
Sat Dec 02, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: How my FIL saved for college
Replies: 13
Views: 1709

Re: How my FIL saved for college

So he benefitted from the intersection of an interest rate spike (locked in via a long term savings bond) with low inflation-adjusted costs for higher education. Probably not replicable today. But I think I-bonds could be a fine low-risk tool for college savings, at least for the fixed income part o...
by Tamarind
Thu Nov 30, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: How to invest our extra income?
Replies: 12
Views: 845

Re: How to invest our extra income?

I would suggest you invest it in taxable (100% stocks) and adjust your AA in your retirement accounts to offset with more bonds. No need for munis yet.
by Tamarind
Thu Nov 30, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7099

Re: Does it make sense to drop health insurance?

I don't think I could in good conscience advise OP to drop coverage, particularly because we're taking about a family. A lot of folks here taking about worst case scenarios that are relatively predictable and planned, like heart bypass surgeries. There is a lot further to go than that for worse. How...
by Tamarind
Wed Nov 29, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Help with mom's portfolio plan [taxes, SS, & selling $100k of single stock]
Replies: 53
Views: 2473

Re: Help with mom's portfolio plan [taxes, SS, & selling $100k of single stock]

Ok, so the vast majority of the cost basis will not be recorded online. Do you know the original structure of the account, and when it was put in your mom's name? Does she have any paper documentation for their early purchases? Every date and number of shares you can document will help push the supp...
by Tamarind
Tue Nov 28, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 2899

Re: Wifi speakers-SONOS vs Echo/Google Home

I really like the sound quality on the Google Home. I am NOT an audiophile, though.
by Tamarind
Tue Nov 28, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question: Inheriting something you aren't supposed to sell
Replies: 22
Views: 2763

Re: Inheritance question: Inheriting something you aren't supposed to sell

If feasible, the time to have a conversation with parents about this is now. Ask them for your sakes not to try to rule from the grave. It's not kind to your children to give inheritances with strings, especially when one sibling gets the "benefit" and another the "strings". It depends on if your pa...
by Tamarind
Tue Nov 28, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with mom's portfolio plan [taxes, SS, & selling $100k of single stock]
Replies: 53
Views: 2473

Re: Help with mom's portfolio plan [taxes, SS, & selling $100k of single stock]

What do you get if you add up the "Adjusted Cost Basis" column for both pages? That would be a good and supportable minimum guess at your mom's cost basis.
by Tamarind
Tue Nov 28, 2017 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Active to Passive - but how to get there?
Replies: 9
Views: 836

Re: Active to Passive - but how to get there?

Definitely provide a bit more info, but here are some general suggestions: 1) Tally up your unrealized losses. Tally up your unrealized gains. You should be able to sell positions with gains up to the amount you sold of positions with losses without triggering capital gains taxes. 2) Next, can you s...
by Tamarind
Fri Nov 24, 2017 6:28 am
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3293

Re: HSA: "Pay out of pocket" vs Withdraw math problem

Many folks are actually arguing for #3: Pay out of pocket, save receipts, grow tax free. After retirement use receipts to withdraw tax-free and spend it on non-medical expenses. But regarding 1 vs 2, your tax bracket matters. If you spend your working and retirement years in the 15%, there is not mu...
by Tamarind
Tue Nov 21, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 25909

Re: Why not take Social Security at 62

Would anybody's opinion change if we were in a bear market and the money was going to be invested in the market? No. If a retiree really has enough other funds to take SS and invest it all rather than using the SS income to delay withdrawals from tax-advantaged accounts, then 62 or 67 or 70 makes l...
by Tamarind
Tue Nov 21, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 25909

Re: Why not take Social Security at 62

Family longevity also matters a lot. If you are getting your longevity off a table, that median is concealing a lot of variation that matters to you. If you look at your parents and grandparents and their siblings, what ages did they live to? How was their health at 50? How's your own health? If you...
by Tamarind
Mon Nov 20, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Year end windfall and job loss
Replies: 16
Views: 2426

Re: Year end windfall and job loss

Missing info: How easy is it for your spouse to find a new job? Can you more than support your normal expenses on just your income? If it's easy to get a new job and you are ok on a single income, I'd take option 2 but keep the windfall liquid. If you are going to struggle to make ends meet on just ...
by Tamarind
Sat Nov 18, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1543

Re: Hyundai Elantra Special Edition- any thoughts?

I have a 2009 Honda Fit and a 2010 Hyundai Elantra Fit: better gas millage average 32-33mpg acceleration is better mechanically very durable except for A/C a lot of cheap not as durable plastic interior parts and the paint scratches and body dents on the exterior if you blow on it. Elantra Nicer in...
by Tamarind
Sat Nov 18, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2186

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

I am just shocked a phone only three years old is unsupported. The phone works great but I guess it would be risky doing banking on it. Google just wowed people by committing to provide full software support for the Pixel 2 for 3 years. Most carriers (the gatekeepers for updates on most people's ph...
by Tamarind
Fri Nov 17, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2186

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

I am just shocked a phone only three years old is unsupported. The phone works great but I guess it would be risky doing banking on it. Google just wowed people by committing to provide full software support for the Pixel 2 for 3 years. Most carriers (the gatekeepers for updates on most people's ph...
by Tamarind
Fri Nov 17, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1543

Re: Hyundai Elantra Special Edition- any thoughts?

2. Bad handling and gets stuck easily in snow/ice. I am quite concerned about this. To be fair, most of the complaints were from people using the 3 season tires, not snows. But the tires that come with the car seem very low-end to me. Can't comment on the quality of the tires generally. But I own a...
by Tamarind
Fri Nov 17, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2813

Re: Risks of Non-ACA Compliant Health Insurance?

Do you mind if I ask why you insist on a PPO plan if you are all healthy with no pre-existing conditions? This. For most healthy people with low expected health care expenses, an HDHP with HSA is cost effective EVEN IF you experience a serious health problem. HDHP with HSA can be a PPO, so your mea...
by Tamarind
Fri Nov 17, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2813

Re: Risks of Non-ACA Compliant Health Insurance?

Do you mind if I ask why you insist on a PPO plan if you are all healthy with no pre-existing conditions? This. For most healthy people with low expected health care expenses, an HDHP with HSA is cost effective EVEN IF you experience a serious health problem. I question whether OP's cheaper options...
by Tamarind
Thu Nov 16, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: So new, it hurts to even think about it.
Replies: 25
Views: 4694

Re: So new, it hurts to even think about it.

Here's my newb question. What happens to the money that was already invested in my prior allocations(see prior allocations below)? Does it just sit there? Do I have to move it? If I don't move it, what happens? I'm thinking I should move it ALL over to my new asset allocations above. If you don't d...
by Tamarind
Wed Nov 15, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8795

Re: Has used furniture dropped in value dramatically?

Yes, agreed. My grandmother's home had a good deal of nice middle class furniture from the 40s-60s, which we had to dispose of recently after she moved to an assisted living facility. Worth far less than her glass and china was, and I can confirm as a millennial that it's not my style. I don't much ...
by Tamarind
Wed Nov 15, 2017 7:13 am
Forum: Investing - Theory, News & General
Topic: Is treating all accounts as one bucket really simpler
Replies: 21
Views: 2781

Re: Is treating all accounts as one bucket really simpler

There is no need to project tax paid 30 years into the future, because the return into the future is unclear. We only need to consider our investment's current value for the purpose of rebalancing. Variations of US tax laws treat each asset class differently according to account types. There is a p...
by Tamarind
Tue Nov 14, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: First "real" job with 401(k), HSA and higher income. Any advice?
Replies: 19
Views: 1795

Re: First "real" job with 401(k), HSA and higher income. Any advice?

The only reason why I would hold similar AA in each account is for simplicity. i.e. predetermined percentages of each biweekly paycheck to the funds to match my AA. I'd put $5500 in backdoor Roth at beginning of the year to match my AA as well. Then automatically re-balance each account annually. I...
by Tamarind
Tue Nov 14, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Better way to get rid of old fridge?
Replies: 38
Views: 2567

Re: Better way to get rid of old fridge?

How about your electric company? Mine promotes the energy efficiency of new appliances by offering to take old refrigerators and pay you $75. This. There are programs that pay utilities to ensure old appliances are safely recycled (rather than gutted of metal by scrappers and dumped), and to remove...
by Tamarind
Tue Nov 14, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: First "real" job with 401(k), HSA and higher income. Any advice?
Replies: 19
Views: 1795

Re: First "real" job with 401(k), HSA and higher income. Any advice?

Which fund available in the HSA options above do you guys think would be best for international equity exposure? None of them. You have better options in your 401k and will continue to have better in your taxable brokerage once you kick your student loans. Were I you, I would defer taxable investin...
by Tamarind
Mon Nov 13, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1632

Re: Anyone Tried Soylent?

My coworker used it for a while for lunches. He emphasized that it was a healthier and cheaper answer than eating unenjoyable food, whether take out or sad desk lunch, and that if he actually liked eating what he had available for lunch he wouldn't use Soylent. So I'd say it's definitely not for the...
by Tamarind
Sun Nov 12, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1765

Re: Use or Lose $850 from Limited Expense FSA

Contact solution. Lenses. Sunscreen. Prescription toothpaste. All good items which last for years, but think about how much you'll actually use before they expire. I had to do this once (with only $400) and picked up a really nice first aid kit for wilderness trips. Most of the items in it don't exp...
by Tamarind
Sun Nov 12, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Paying off Home mortgage, partner doubts?
Replies: 40
Views: 3015

Re: Paying off Home mortgage, partner doubts?

I'm assuming that it's her house too? Why would you do something with someone else's property without their agreement? OP, you need to address your attitude towards your wife if you want to remain married. Personally I think she's right, and your discounting of the value of investing that money inst...
by Tamarind
Fri Nov 10, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1767

Re: Best Approach for Purchasing Many Furnishings

My oldest (22) was able to completely furnish her first place for $0. She got some furniture from a friend who was moving and didn't want it. She got additional stuff from her grandmother, and a few items from us. She went to school and is now living in the Boston area. They call the second weekend...
by Tamarind
Sun Nov 05, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Best savings account (or fund) for my emergency account?
Replies: 11
Views: 822

Re: Best savings account (or fund) for my emergency account?

I wouldn't use a bond fund unless you have a significant taxable investing account you can merge your EF into. Take a look at Barclays, Ally, or Goldman Sachs online banks. They tend to have the highest rates and are all reputable. I keep my EF at Barclays but sometimes advise others to use Ally if ...
by Tamarind
Sat Nov 04, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Anyone else have problems with Fitbit products?
Replies: 19
Views: 920

Re: Anyone else have problems with Fitbit products?

I'm on my 5th replacement under warranty. The bands invariably bubble and peel off. After my second free Charge, I got a free Alta - I think so that their warranty costs would be lowered to a new band rather than a new unit. They stand by their warranty absolutely and cheerfully, but I concur that t...
by Tamarind
Sat Nov 04, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 5837

Re: College student... Financial mess... Need advice...

I dont think you have many options at this point. Is there an early termination clause in the lease? Have you made an offer to the landlord asking to break the lease early? Maybe something like 3 months rent and forfeit the security deposit. But your ex GF will need to agree to leave as well. Your ...
by Tamarind
Sat Nov 04, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock HELP NEEDED
Replies: 12
Views: 746

Re: Restricted Stock HELP NEEDED

Consulting on ASC 606 alone shouldn't expose OP to any "insider information". But they should exercise caution if any future business strategies are being discussed.

I would think selling immediately would help establish that OP is not engaging in speculation.
by Tamarind
Sat Nov 04, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest my emergency fund?
Replies: 29
Views: 3196

Re: Should I invest my emergency fund?

Most folks who don't keep a separate emergency fund are using their taxable accounts for this purpose. Which makes total sense for them, but those who are in early accumulation or lower income and so don't have a sizable taxable account should still keep a store of easily accessible assets like a cl...
by Tamarind
Mon Oct 30, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Need a good cover crop recommendation for home garden
Replies: 20
Views: 1565

Re: Need a good cover crop recommendation for home garden

In that growing zone, I second vetch or onions/garlic. Or perhaps a salvia? Lots of flowers but not too persistent at the root, and fills in well.
by Tamarind
Mon Oct 30, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Buying a Home in a 500 year Flood Plain
Replies: 32
Views: 1674

Re: Buying a Home in a 500 year Flood Plain

There is a big bayou about 0.4 miles from the subdivision and in the side of the subdivision (0.1 miles from the home), there runs a large canal which dumps into the bayou. You seem to have a good grasp of what's involved in the decision. These features and neighborhood topography relative to them ...
by Tamarind
Mon Oct 30, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Buying a Home in a 500 year Flood Plain
Replies: 32
Views: 1674

Re: Buying a Home in a 500 year Flood Plain

I don't have an answer for you. But here are some things you should think through before buying a particular home in an area subject to flooding. In some areas "century plus" storms are happening much more frequently than the name would suggest. In others, the storms may not have changed much but th...