Search found 364 matches

by TOJ
Mon Oct 15, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 120
Views: 29967

Re: Replacement for Google Finance price quote function

This stopped working for FZROX (fidelity's 0 ER fund).
by TOJ
Mon Sep 03, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 4358

Re: Neighbor Fencing question

Drawing upon my years in suburbia, the fence is a split cost and typically falls directly on the property line. The panels alternate, pretty/ugly, along the length of the shared boundary. I would be annoyed that the neighbor caused the problem but I know this didn’t happen overnight. I would agree t...
by TOJ
Sun Sep 02, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: bench vise recommendation
Replies: 20
Views: 1482

Re: bench vise recommendation

I bought the yost 445 on amazon 3 years ago and it’s been great in my very light duty use.

You could also peruse craigslist for an old USA vise and restore it. Would be a fun project and have a lifetime vise when you’re done.
by TOJ
Mon Aug 27, 2018 10:51 pm
Forum: Personal Investments
Topic: REITs without malls?
Replies: 20
Views: 1882

Re: REITs without malls?

Don't underestimate the malls' ability to reinvent themselves. Malls as you know it might be done, but there is plenty of experimentation around creating new service- & experience-based businesses alongside the retail. And changes in retail strategy, too. Best Buy is profitable, no one would have ev...
by TOJ
Mon Aug 27, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: shopping laptop
Replies: 5
Views: 804

Re: shopping laptop

I was just in your situation, and this post is being typed on my new (2017) Dell Latiude 7480 from the Dell Outlet. It was a "scratch and dent". $700 for what was originally $1600. Good specs, great quality. I recommend it. They have plenty in your price range. Dell Latitudes are their business line...
by TOJ
Fri Aug 24, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed on final house negotiations
Replies: 37
Views: 2674

Re: Advice needed on final house negotiations

I've been the seller in this situation. I dropped price to appraisal and got rid of closing cost assistance to close the deal. This enraged me but I had another house to buy and needed to close. The appraisal being the very last step is terrible. The house is no longer staged, so the pressure is the...
by TOJ
Thu Aug 23, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 6045

Re: Test your cognitive biases

I scored the top. What's the correct answer on the guaranteed gain/loss vs chance to lose questions? And the confidence.

I chose guarantee to win and chance to lose. Was more confident on the gain than the loss.
by TOJ
Wed Aug 15, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1541

Re: Solutions for Printing from a Chromebook

You need to set a static IP on the printer. Then in your router configuration, exclude that IP from the list of IPs the router will dole out dynamically. In effect you tell the printer to always use one IP, and you tell the router to reserve that IP for the printer. Google how to do this for your sp...
by TOJ
Wed Aug 15, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Time for new phone, Buy or Lease?
Replies: 30
Views: 2274

Re: Time for new phone, Buy or Lease?

What are the terms of the phone lease? Never seen that. The options I've seen usually involve buying the phone either up front or with 0% interest over 24 months (AT&T). Both cost the same total dollars.
by TOJ
Wed Aug 15, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 11436

Re: Take auto loan 0.9% if I can afford cash?

I sincerely doubt there is "No change in price whether paying by cash or loan. " No offense intended, but it sounds like you played all your cards early. There are usually rebates associated with taking in-house financing vs paying cash or outside financing. In fact, there are usually additional reb...
by TOJ
Wed Aug 15, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3938

Re: Best consumer products - made in USA

Not sure where they're made, but I went a decade with an Oxo manual can opener before it was accidentally tossed in the trash. A cheap replacement was acquired, used for a month, then intentionally tossed in the trash. New Oxo manual can opener should be in my mailbox today.
by TOJ
Wed Aug 15, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 5432

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

No complaints with my Fidelity cash management account. I quite like it, actually. But admittedly, I've never had the Vanguard or Schwab equivalent.
by TOJ
Wed Aug 15, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 74
Views: 8391

Re: Housing affordability - what is your take?

Single, no kids, good apartment in a good neighborhood with surprisingly low rent and good management, why bother even considering buying something? Some thoughts: https://jlcollinsnh.com/2013/05/29/why-your-house-is-a-terrible-investment/ That isn't a great reason to buy. That price appreciation h...
by TOJ
Wed Aug 15, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 74
Views: 8391

Re: Housing affordability - what is your take?

OP, There is a real estate forum out there somewhere where someone making $120k is complaining that they can’t max their 401k and Roth IRA because of their $4k/mo PITI. Unfortunately the rest of the market is choosing for you. The rest of the market is willing to forego retirement savings in order t...
by TOJ
Tue Aug 14, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 8546

Re: Marriage [How should finances be handled?]

Combine it all, no hiding anything, no lying, no allowances. Need communication on expectations. Need compromise. If she wants to splurge this month, you dial back. And vice versa. If she has radically different financial goals and habits than you, don’t get married. Tightwads and spendthrifts don’t...
by TOJ
Mon Aug 06, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 120
Views: 29967

Re: Replacement for Google Finance price quote function

Just want to say thanks again for this. Google finance has routinely forgotten some mutual fund tickers which blows up my whole spreadsheet. Even now, Marketwatch has the new zero-cost mutual fund whereas google doesn't. FZROX.
by TOJ
Thu Aug 02, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 92185

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

It’s dawning me that all this talk about the minutiae of this change reminds me of how I got mired in the devilish details before deciding on the simple three-fund portfolio. I kept trying to create the “perfect” portfolio before deciding on the “good enough” portfolio. Trying to remind myself now ...
by TOJ
Tue Feb 27, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: "FREE" Employer Group Life - Really Costs You !
Replies: 52
Views: 5227

Re: "FREE" Employer Group Life - Really Costs You !

nickjoy wrote:
Tue Feb 27, 2018 12:37 pm
The age brackets and cost facctors are below:

Under 25 $0.05
25-29 $0.06
30-34 $0.08
35-39 $0.09
40-44 $0.10
45-49 $0.15
50-54 $0.23
55-59 $0.43
60-64 $0.66
65-69 $1.27
70+ $2.06
That is this telling me? Cost per $1000 over $50k per month, year?
by TOJ
Tue Feb 27, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Bonuses and trad 401k and supplemental income tax
Replies: 1
Views: 306

Bonuses and trad 401k and supplemental income tax

My employer did not exclude the pre-tax 401k contribution from my bonus before it was taxed. They did this last year too. Is this correct? Fictional numbers below: Bonus = $1,000 Pre-tax 401k = 5% FICA = 7.65% Supplemental income tax = 22% What I got: $1,000 - 50 - 76.5 - 220 = $653.50 What I was ex...
by TOJ
Sat Feb 24, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 7465

Re: # X Gross = Home price?

The only way I could afford more than 3x gross income is if I had a very large down payment. For the average folks who are putting down less than 20%, or as low as 5%, even a 3x multiplier would be impossibly tight on the monthly budget. I would question if such budgets are allowing for retirement s...
by TOJ
Thu Feb 15, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: How Inflation Works (NYT)
Replies: 21
Views: 2889

Re: How Inflation Works (NYT)

saltycaper wrote:
Thu Feb 15, 2018 9:00 am
TOJ wrote:
Thu Feb 15, 2018 8:45 am
What I don't understand is how we've had 0 inflation for quite awhile now...
We haven't had zero percent inflation. It was negative for a while in 2009 and near zero/negative in 2015, but otherwise it has been positive.
My mistake. How many years has it been below target?
by TOJ
Thu Feb 15, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: How Inflation Works (NYT)
Replies: 21
Views: 2889

Re: How Inflation Works (NYT)

What I don't understand is how we've had 0 inflation for quite awhile now, which was below what the fed wanted. Now that it has unpegged from 0, there is worry. From the article in the OP: "The fear now is that inflation will start to rise more quickly, potentially crimping global growth or forcing ...
by TOJ
Tue Feb 06, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12413
Views: 2143440

Re: U.S. stocks in freefall

Looks like the good guys are out in front today.
by TOJ
Thu Feb 01, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Doubling of Standard Deduction--Really??
Replies: 56
Views: 8388

Re: Doubling of Standard Deduction--Really??

2017 MFJ with one child: Standard Deduction $12,700 Personal Exemption $4,050 x 3 = $12,150 Total: $24,850 Brackets: 10% up to $18,650 15% $18,651 to $75,900 25% $75,901 to $153,100 28% $153,101 to $233,350 Child tax credit $1,000 for each child (max before phaseout) 2018 MFJ with one child: Standa...
by TOJ
Fri Jan 26, 2018 10:26 am
Forum: Personal Investments
Topic: Invest or wait?
Replies: 21
Views: 2976

Re: Invest or wait?

The market was "overvalued" at DOW 18K when Trump was elected. We're now at 26K. No one can tell you where it'll be in another year. But in another 30 years, all signs point to it being higher than it is today.
by TOJ
Fri Jan 26, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Overpaying Car Insurance?
Replies: 15
Views: 2150

Re: Overpaying Car Insurance?

Looks high to me. I got a quote from AAA the last time my policy was up, and they were on the high end. But, you do have low deductibles. Raising those could help.
by TOJ
Fri Jan 26, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Tax withholding for newly married couple with semi-disparate incomes?
Replies: 6
Views: 830

Re: Tax withholding for newly married couple with semi-disparate incomes?

I'd do single/0 for both of you until the IRS witholding calculator is ready. https://www.irs.gov/individuals/irs-withholding-calculator Once it's done, plug in all your actual numbers and see how much tax you will owe. Then, set both your exemptions to something like married/30 (to effectively have...
by TOJ
Fri Jan 26, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Is dry cleaning worth it?
Replies: 23
Views: 3597

Re: Is dry cleaning worth it?

Dress shirts go to the dry cleaners because I have no interest in spending time ironing. My slacks are wrinkle free and look good just going through the washer and dryer. My shirts that say "wrinkle free" are not truly wrinkle free. They always look much better ironed and lightly starched. We use a ...
by TOJ
Wed Jan 24, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 11342

Re: Working in the real world

I had to: - move away from a LCOL city I love to a MCOL city I don't particularly care for - change jobs twice - have a long commute - work in THE boom and bust industry In order to cross just barely into 6 figure territory. Worth it though. Can provide for my family and save for the future. $40-60k...
by TOJ
Wed Jan 24, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 20231

Re: Dear wife quits job and now we are down to 1 income

4) You find a way to increase income; additional work or a whole new job.
by TOJ
Wed Jan 24, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 4534

Re: Buying This Week: IPhone X or IPhone 8 Plus

I upgraded to an iPhone 8 from a 6+ a month or two before the story emerged about them surreptitiously nerfing phones. My 6+ had gotten unbearably slow. The 8 is a fine phone and I'm not the type to be an early adopter of brand new stuff, so the X wasn't for me. Had the story regarding them steering...
by TOJ
Tue Jan 23, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Ever been offered company stock at a set gross value instead of # shares at a fixed price?
Replies: 9
Views: 870

Re: Ever been offered company stock at a set gross value instead of # shares at a fixed price?

Isn't this how every RSU program works? I think the difference here is that this HR person is claiming that the OP will get $12,500 of stock every year, regardless of share price. Which is a better deal than a standard RSU program. Unless the price of the stock goes up, then it's worse. The RSU pro...
by TOJ
Tue Jan 23, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Trying to pay down mortgage, but...
Replies: 32
Views: 3548

Re: Trying to pay down mortgage, but...

Just take a monthly average of your total principal-only payments so far and then opt for B with that number. Had to do this same thing, myself. The single large chunks randomly throughout the year are more satisfying, I agree.
by TOJ
Tue Jan 23, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 3334

Re: Can You Say...Auto Insurance

The solution is simple: get quotes online from all the major companies. It's easy. Geico played this game with me every year. Sometimes even their slight rate increases left them competitive, but last month they raised it again and Progressive had them beat by 20%. The companies depend on most peopl...
by TOJ
Mon Jan 22, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 4302

Re: Cutting cable

Internet-only is not cheap enough for us to be worth it. When you add up the cost of the internet service and then content subscriptions, you're within a couple lunches of the cost of internet + TV (+ sports + DVR + movie channels + live news + don't have to buy a Roku or antenna). Went through all ...
by TOJ
Mon Jan 22, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 101
Views: 7042

Re: Going to one income-seeking testimonials

We went from DINK to single-income 1 kid, then 2 kids. I had to buck up and get a better job, but we're in roughly the same situation as the OP except with a more expensive mortgage. You can do it, but will have to adjust your expectations for savings. You learn to pound the pennies when it comes to...
by TOJ
Tue Jan 16, 2018 2:17 pm
Forum: Personal Investments
Topic: AA mix vs paycheck mix percentages
Replies: 12
Views: 872

Re: AA mix vs paycheck mix percentages

Yes, but growth on the stock side (or a market crash) would mean you need to do periodic rebalancing to maintain your overall AA. For example, contributing 60:40 throughout a long bull market may end up looking like 80:20 by the end, due to stock growth.
by TOJ
Tue Jan 16, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 14185

Re: IRS announces new withholding tables for 2018

Trying to make sure I am figuring this right. Income of around $95,000 Married filing jointly Pre-Tax Payments of $22,500 ($18,500 to 403b, $4,000 in insurance premiums) Standard Deduction of $24,000 Taxable income ends up at $47,725 Tax liability is $5,346.02 Two child credits Tax bill of $1,346.0...
by TOJ
Tue Jan 16, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Banking Accounts (With Bill Pay): (Checking/Savings/MMA?)
Replies: 8
Views: 1352

Re: Best High Interest Banking Accounts (With Bill Pay): (Checking/Savings/MMA?)

I recommend taking a look at a Fidelity Cash Management Account. It's effectively a checking account with regard to direct deposit, billpay, and chekc writing. The secret sauce is that you can invest within the account. E.g., you can put together an automatic CD ladder right within the account. Or h...
by TOJ
Thu Mar 23, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 58
Views: 5916

Re: Mortgage APR 4.96% - too high?

petulant, thank you for tackling the APR specifically in your reply, this was helpful! It's interesting because I actually thought it was a big gap between 4.3% and 4.9%, so that's why I decided to post the question in the forum to see what you guys take on it was. For reference, I've talked furthe...
by TOJ
Tue Mar 21, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: WSJ: S&P 500′s Rally Is Falling Behind the World
Replies: 15
Views: 4012

WSJ: S&P 500′s Rally Is Falling Behind the World

New article from the WSJ about how some global indices are beating the S&P 500. Obviously you can say anything you want by selecting certain years, but it's interesting nonetheless, particularly because of all the discussion about whether or not to hold international stocks. http://blogs.wsj.com/mon...
by TOJ
Sun Mar 19, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 3277

Re: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

Yes, NiMH is what you're looking for for AA and AAA. LiIon are higher voltage batteries for special applications, like high performance flashlights and RC cars. Look for an 18650 to see what I am talking about. You don't want it.

Look for Panasonic eneloop.

NiCad are trash.
by TOJ
Fri Mar 17, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 9545

Re: Endless Job Interviews (with same company)

Maybe they want to give you the offer and negotiate it in person? This must be a high paid position, so it may be worth it for one last time. Surely the people interviewing you also see all of this as wasted time as well.
by TOJ
Fri Mar 17, 2017 2:08 pm
Forum: Personal Investments
Topic: Vanguard reinvested my dividends - what now?
Replies: 20
Views: 3119

Re: Vanguard reinvested my dividends - what now?

I'd try on the phone again. They have made similar adjustments for me in the past. One was when a purchase did not go through for some reason. They "purchased" it for me at the 3-months-ago price. I'm sure they can back your dividends out.
by TOJ
Thu Mar 16, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Rollover Pension Plan to IRA or Roth IRA
Replies: 9
Views: 1196

Re: Rollover Pension Plan to IRA or Roth IRA

I would roll it over to a TIRA and then convert to RIRA after (if that is something you're wanting to do). I'm unsure if you can do it in one fell swoop, but I would not try.

To Roth or not is your real question.
by TOJ
Mon Mar 13, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 11833

Re: Car engines. Turbo vs no turbo

Do all these new turbo cars require premium gasoline?
by TOJ
Mon Mar 13, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: Impact driver (and possibly drill) recommendations
Replies: 36
Views: 3892

Re: Impact driver (and possibly drill) recommendations

I have been more than satisfied with my Ridgid cordless impact and drill set with 2x lithium ion batteries. Plenty of power and has taken some abuse. Lifetime warranty at Home Depot, to boot.
by TOJ
Mon Mar 13, 2017 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 3686

Re: Finding The "Sweet Spot" on a Roth Conversion

This doesn't have to be a trial and error exercise. Load up a spreadsheet with all your income and exemptions/deductions. That'll show you your taxable income. Then, subtract your taxable income from the top of the 15% bracket to determine how much you can convert. Or, how much you need to re-charac...
by TOJ
Thu Mar 09, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 40
Views: 8094

Re: selling RSU immediately

OP, I have this same struggle every year. I spend a week after a vestment wondering what to do, then the stock invariably falls a little bit, and I panic sell. So now my MO is to sell immediately. It seems 5 years of owning only index funds has eroded my ability to watch a single stock go up and dow...
by TOJ
Sun Mar 05, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Second home or not ready
Replies: 56
Views: 6791

Re: Second home or not ready

Owning a single house gives me plenty to do and spend money on. I'd rent the vacation spot.