Search found 635 matches

by BHUser27
Thu Nov 08, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 61
Views: 5772

Re: Best deals to buy iphones

FWIW - Sam's Club is having a one-day event this Saturday November 10th. iPhone X, XS, XS Max and XR purchases will get up to $300 Sam's Club gift card (depending on carrier). Read the fine print on their add, but I believe the $300 gift card rebate will apply to upgrades as well as new lines. http...
by BHUser27
Wed Nov 07, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 61
Views: 5772

Re: Best deals to buy iphones

FWIW - Sam's Club is having a one-day event this Saturday November 10th. iPhone X, XS, XS Max and XR purchases will get up to $300 Sam's Club gift card (depending on carrier). Read the fine print on their add, but I believe the $300 gift card rebate will apply to upgrades as well as new lines. https...
by BHUser27
Sun Sep 30, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfoio Visualizer
Replies: 5
Views: 507

Re: Portfoio Visualizer

I find your post quite confusing. You describe a single amount X being withdrawn after 30 yrs but you refer to a monthly amount X in your first question. Can you provide the exact fund tickers you used and clarify the amount X you withdrew? Or perhaps provide a link to your exact configured scenario...
by BHUser27
Sun Jul 01, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Google sheets not pulling stock prices
Replies: 38
Views: 6453

Re: Google sheets not pulling stock prices

Is there a way I can scrape the M* page for the price of VMMXX and use that instead of Google finance? And if so, what would the formula be? The URL to the data you need is: http://quotes.morningstar.com/fund/c-header?t=VMMXX However, I haven't figured out how to parse out the Nav Price using index...
by BHUser27
Wed Jun 20, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 4242

Re: Article on hotel booking sites - no bargains

1) Check best price booking direct from Hotel's website.
2) Call the front desk using the local area-code number (not corporate 800 number) during non-busy hour of the day
3) See if they can offer help getting best booking price.
by BHUser27
Wed May 30, 2018 5:43 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9863

Re: Router hack, have you acted?

PC Magazine has a list of affected routers in their article. https://www.pcmag.com/news/361431/is-your-router-vulnerable-to-vpnfilter-malware I just checked and Netgear had new firmware available for my router, so I updated. Linksys E1200 Linksys E2500 Linksys WRVS4400N Mikrotik RouterOS for Cloud C...
by BHUser27
Tue May 29, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to buy brokered CDs today?
Replies: 7
Views: 941

Re: Anyone try to buy brokered CDs today?

For what its worth, I just logged into my Schwab PCRA and see many CDs available at all maturities.
by BHUser27
Fri Apr 13, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 7006

Re: Could you support family on 1 income?

You'd be surprised what you can do when you *have* to. Went from 2 incomes to 1 when DW had to be on bed rest for 4 mos due to complicated pregnancy. Took many steps to reduce recurring expenses. Turned in two new (leased) cars and bought two used beaters for cash. Cancelled landline phone and cable...
by BHUser27
Fri Mar 02, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.
Replies: 37
Views: 3061

Re: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.

Reasons to keep the MBP: You prefer keys to touchscreen (if so, sell the tablet and keep the MBP) The MBP integrates better into the Apple eco-system (ITunes, call and message auto-transfers from iphone to MBP, etc) The MBP has more compute power than the tablet and can run more apps/programs (you a...
by BHUser27
Wed Feb 28, 2018 6:41 am
Forum: Investing - Help with Personal Investments
Topic: backdoor Roth blunder
Replies: 8
Views: 897

Re: backdoor Roth blunter

You should not have to pay a 10% penalty if you do a direct transfer from SEP IRA to Roth IRA, but you *might* have to pay income tax on the money withdrawn from SEP if it was contributed "pre-tax" originally. Here are a few references: https://www.investopedia.com/ask/answers/03/110803.asp https://...
by BHUser27
Tue Feb 27, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: Boglehead contradiction, constant asset allocation is market timing
Replies: 100
Views: 9795

Re: Boglehead contradiction, constant asset allocation is market timing

Thanks for the useful links. I hadn't found that wiki page yet. It states that " rebalancing ensures that investors "Buy Low" and "Sell High"." That statement is an over simplification at best, and not true at worst. Rebalancing ensures that you are... 1) selling some of the portfolio products that...
by BHUser27
Sun Feb 25, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block software problem
Replies: 16
Views: 1732

Re: H&R Block software problem

Thanks for the tip.
For clarity, was this the on-line version or the one you install on your local PC?
by BHUser27
Thu Feb 22, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 5298

Re: Any Creative Ways to Cut the Cable?

I guess a "creative" way to cut cable would be to cancel both cable and internet, then read the paper, listen to radio, and/or watch cheap DVDs (or better yet, VHS tapes - you can still buy them at the pawn shop in our town)
:sharebeer
by BHUser27
Wed Feb 21, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Basic Question PCRA Sweep Account
Replies: 3
Views: 230

Re: Basic Question PCRA Sweep Account

Understood.
Thanks for the quick and thorough replies.
by BHUser27
Wed Feb 21, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Basic Question PCRA Sweep Account
Replies: 3
Views: 230

Basic Question PCRA Sweep Account

Greetings, I recently started a new job and have a Schwab 401K with Personal Choice Retirement Account option (brokerage window). I noticed the PCRA has several options for the sweep/cash account, some are listed as "taxable" and some "non-taxable" savings and money market accounts. Since this is a ...
by BHUser27
Thu Feb 15, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: TIRA Partial Deduction & Backdoor Roth
Replies: 4
Views: 328

Re: TIRA Partial Deduction & Backdoor Roth

@Alan .S - Thanks much. This makes sense.
I am only working half time now, so income will remain below thresholds on-going.
Regardless, I will noodle through best way to divvy the contributions, now that I understand the flexibility of timing the deduction/income.

Thanks again
by BHUser27
Thu Feb 15, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: TIRA Partial Deduction & Backdoor Roth
Replies: 4
Views: 328

Re: TIRA Partial Deduction & Backdoor Roth

Doh! :oops: Thanks ivk5. Yes, DW's 6500 deductible TIRA contribution in 2017 will come back as a taxable conversion in 2018. So, pay me now or pay me later. I guess the third option would be to make the deductible contribution to her TIRA and stop doing her Roth conversions with the hope by the time...
by BHUser27
Thu Feb 15, 2018 6:45 am
Forum: Investing - Help with Personal Investments
Topic: TIRA Partial Deduction & Backdoor Roth
Replies: 4
Views: 328

TIRA Partial Deduction & Backdoor Roth

Question regarding TIRA and RIRA, for our 2017 income tax filing... I am 54 yrs and DW is 64 yrs Married filing jointly I am covered by retirement plan at work, DW is retired We historically have had income above TIRA deduction limits and above RIRA limit, so do BD Roth every year. Last year, betwee...
by BHUser27
Sun Feb 11, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7807
Views: 1602933

Re: U.S. stocks in freefall

I would caution that stocks are cheaper and not necessarily cheap. These are not "mortgage the house and buy stocks" kind of valuations. My guess is that forward P/E ratios have come down from about 22 to 20. Historically, the average is about 16 or 17. John Bogle believes we will likely see P/E co...
by BHUser27
Sat Feb 10, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help - why do I owe so much in taxes this year
Replies: 17
Views: 4049

Re: Help - why do I owe so much in taxes this year

OP - I think you are asking why the *amount withheld from your paycheck* changed, even though you did not change the *selections on form W-4* you submitted to your payroll department - correct? Your payroll dept uses your W-4 to calculate withheld amounts based on guidelines from the IRS. If those g...
by BHUser27
Sat Feb 10, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income performance
Replies: 16
Views: 3477

Re: Wellesley Income performance

Well, first of all, Wellesley is not an SP500 index fund, so I wouldn't expect it to behave like the SP500. What about the bonds Wellesley holds? This chart shows VWINX (VG Wellesley Investors Shares) and SPX VWINX did not drop as far as SPX during the recent correction, but it had not risen as much...
by BHUser27
Sun Jan 21, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 11082

Re: Where do you keep your emergency fund?

Ally 11-month no-penalty CD's at 1.75% (I got in on the promo)
by BHUser27
Thu Jan 11, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off 6.5% Student Loan or Invest
Replies: 22
Views: 1664

Re: Pay off 6.5% Student Loan or Invest

PaulAtreides wrote:
Thu Jan 11, 2018 5:19 pm
Thanks everyone for your valuable insights. You have convinced me that paying loan off is the better route. I just want to get rid of it and focus on long term savings.
or you could buy a new stillsuit instead :D
by BHUser27
Thu Jan 11, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 9666

Re: Kodakcoin

"Utilising blockchain technology, the KodakOne platform will create an encrypted, digital ledger of rights ownership for photographers to register both new and archive work that they can then license within the platform ," Kodak explained. I am amazed at how much mis-information there is in this thr...
by BHUser27
Wed Jan 10, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 5690

Re: Men's no iron dress shirt recommendations

I am tall and lean and have trouble getting the right sleeve length without a lot of loose shirt in the body area so I tend to stick to what fits when I find it. I have been very happy with the Jos Banks "Traveller" dress shirts. These are the only dress shirt I wear to work any more. I subscribe to...
by BHUser27
Sat Jan 06, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 11197

Re: Effects of extreme cold weather

Upper midwest here. Several double-digit below zero days within long string of single digits above and below zero. One effect not mentioned yet is increased visits to the gas station :moneybag :moneybag :moneybag . I have long range remote start and use it for 10~15 min warm up before and after work...
by BHUser27
Mon Jan 01, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?
Replies: 11
Views: 1415

Re: Car Sleeps Ocean-Front Outdoors: Possible To Delay Down Deterioration?

I used to live a couple houses from the beach in Oxnard California. I parked my used Toyota Corona on the street. I rusted like crazy, especially where the paint was exposed or worn off (it was a well used car). I used to design ship-board control systems for Naval use. IMO - there is almost nothing...
by BHUser27
Mon Jan 01, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100127

Re: Netflix, Your Current Favorite Show

Just finished The Crown
Just started latest season of Peaky Blinders
by BHUser27
Sun Dec 31, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Old Costco American Express 2-Year Warranty Extension
Replies: 18
Views: 2933

Re: Old Costco American Express 2-Year Warranty Extension

Alexa9 wrote:
Sat Dec 30, 2017 2:48 pm
Good to know that closed cards honor the warranty. I was wondering that myself. Full refund?
Don't know yet. I have to have TV looked at by local authorized VIZIO repair guy.
Then they will either pay to have it fixed or pay the full replacement cost, depending on the outcome.
Will update later.
by BHUser27
Sat Dec 30, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Old Costco American Express 2-Year Warranty Extension
Replies: 18
Views: 2933

Old Costco American Express 2-Year Warranty Extension

Greetings, I thought I would share an experience that might be useful to others. I bought a TV at Costco 3 yrs ago using my Costco Amex credit card. So, it is out of the Costco Concierge 2yr warranty period but still within the Costco Amex extended warranty period. Last night the TV developed a big ...
by BHUser27
Wed Dec 27, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: Ally 1-year 2.0% CD vs. USAlliance 3-year 2.4% CD
Replies: 5
Views: 1773

Re: Ally 1-year 2.0% CD vs. USAlliance 3-year 2.4% CD

The yield of I-bond is currently 2.58%. How does it compare against Ally 1-year 2.0% CD? I have never bought I-bonds and am not familiar with it except the fixed interest portion and 1/5 year rules. If I want to put away $20K this year for a minimum of a few years without a danger of loss, which ro...
by BHUser27
Wed Dec 27, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off car loan?
Replies: 17
Views: 1206

Re: Invest or pay off car loan?

Not I understand the question.

Isn't this just a simple matter of comparing what you would pay in interest on the car loan versus what you think you would earn in interest on the same cash over the same period?
by BHUser27
Tue Dec 26, 2017 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard funds would work best?
Replies: 8
Views: 1705

Re: Which Vanguard funds would work best?

OP - Welcome! You might get more useful guidance if you post your question in the format explained here...
viewtopic.php?f=1&t=6212
by BHUser27
Tue Dec 19, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 15033

Ally Bank 12 month CD now 2.00%

I just noticed Ally Bank is offering their High-Yield 12 Month CD at 2.00% on all tiers.
https://www.ally.com/bank/cd-rates/
Enjoy.
by BHUser27
Sun Dec 03, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard or Betterment for our company 401k plan?
Replies: 10
Views: 1569

Re: Vanguard or Betterment for our company 401k plan?

I do not have experience with VG or Betterment as 401K providers, but last year I was on a committee at our company that shopped for alternate plans and we found "Employee Fiduciary" to be a very attractive option.
by BHUser27
Sun Dec 03, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 14205

Re: Price of haircut?

Regular men's cut.
$13 cut + $10 tip.
by BHUser27
Thu Nov 30, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 4055

Re: Older Software Engineer Advice ~ Languages?

Python
Ruby on Rails is still relevant
If interested in Big Data, build understanding of containers, cloud, and the latest distributed database and computing frameworks...
...such as Docker, Hadoop, Cassandra, Mesos, Marathon, Spark, AWS, Google Cloud, etc.
by BHUser27
Wed Nov 29, 2017 8:04 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 11285

Re: What did you do right?

I can't claim ownership of most of my investing success.
For the most part, I was naive and lucky.
The one thing I did right was live below my means.
by BHUser27
Sat Nov 25, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: TVs: Go for $0 or $300
Replies: 17
Views: 2062

Re: TVs: Go for $0 or $300

Where is anyone getting *native* 4K content? Any streaming service offering 4K has to compress it down so far, the quality is about the same as 1080p delivered at the same bitrate (and in some cases worse, especially high-motion content). Many 4K downloads and discs were not natively filmed in 4K - ...
by BHUser27
Tue Nov 21, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 3573

Re: LED Lightbulbs - Recommended Brands

I would NOT recommend the Sylvania LED bulbs.
We bought several 4-packs of the 60w-equivilents.
They have been burning out in less than a year for us. No matter the location.
I did receive a refund, but it is still a hassle.
by BHUser27
Mon Nov 20, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring $$ from Ally
Replies: 19
Views: 1799

Re: Transferring $$ from Ally

I don't know which is "better", but I have always initiated transfers from Ally to my linked credit union account and never had any issues at all.

What do you want to know exactly? Which is Safer? Faster? Easier? Other?
by BHUser27
Fri Nov 10, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 31
Views: 3631

Re: Audiophile Headphones

Looking at the Sennheiser HD650. Any others to consider in the <$500 range and any reason to go above this range? Thanks. I liked the Hifiman HE400S but reviews said they are fragile. How are you using them? (Home office?, Travel?, Studio? Other?) Is 'around-the-ear' a must-have for you? Is noise -...
by BHUser27
Fri Nov 10, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Best mobile Family Plan for 4 Lines?
Replies: 21
Views: 1764

Re: Best mobile Family Plan for 4 Lines?

I pay $160 for four lines at Verizon. In my opinion, this ^^^ is not enough info to be useful. Our family of 3 uses Verizon. Here is the breakdown... We pay $120/month for 3 iPhones for line access, unlimited talk/text and 4GB data shared. We own two of the phones outright and are paying $26/month ...
by BHUser27
Sun Oct 15, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment [use guaranteed 4% or use equities]
Replies: 22
Views: 2009

Re: HSA investment [use guaranteed 4% or use equities]

I disagree. Roth accounts and HSAs should be filled with equities, with bonds being in tax-deferred or taxable (with municipals). Due to the tax-free growth and tax-free withdrawals (without RMDs), we want those accounts to be the largest. Only if you have filled your tax-deferred and taxable space...
by BHUser27
Sun Oct 15, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 47
Views: 5088

Re: Antivirus Software Recommendations

If you are an Ally bank customer you can get Webroot SecureAnywhere for free. I have it on my Macbook Air & Windows 10 PC and am very happy with it so far. appears it has no firewall, have you configured your devices for that? from reading it doesn't seem like a 'complete' solution and one would ha...
by BHUser27
Sat Oct 14, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 47
Views: 5088

Re: Antivirus Software Recommendations

If you are an Ally bank customer you can get Webroot SecureAnywhere for free. I have it on my Macbook Air & Windows 10 PC and am very happy with it so far.
by BHUser27
Sat Oct 14, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment [use guaranteed 4% or use equities]
Replies: 22
Views: 2009

Re: HSA investment [use guaranteed 4% or use equities]

Hello OP - The answer to your question depends on many variables. You will get better responses if you provide all the information suggested in this guideline... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 In general, I would have a hard time passing up a guaranteed 4% annual return th...
by BHUser27
Fri Oct 13, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Reverse Osmosis Systems for Kitchen Sink
Replies: 22
Views: 1406

Re: Reverse Osmosis Systems for Kitchen Sink

For those that want to read some actual science on this, here are two articles. This is from the US National Library of Medicine National Institutes of Health... https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4223198/ This is the actual World Health Org study referenced above... http://www.who.int/wat...
by BHUser27
Sat Oct 07, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1835

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

I agree with others. This likely has nothing to do with your credit freeze. I had this happen a few times before I ever froze my credit. Personally I would rather have to deal with a few false alerts than have them miss a real one. Best Buy recently had a problem with account hacking so some of the ...