Search found 2431 matches

by mega317
Wed Aug 15, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 1869

Re: Are merchants more (too) careless these days?

....The buying public should just overlook all this, write it off as this is just the way things are, and not complain to store management. Cuz we just "don't get human nature" Huh? That is just plain nuts No wonder service keeps deteriorating in shopping experiences these days. Customers are being...
by mega317
Tue Aug 14, 2018 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: More cash instead of bonds
Replies: 15
Views: 1735

Re: More cash instead of bonds

A T-bill can lose value as well. Let's say you buy at 2.4% today. In 52 weeks you will have made ~$24. But if rates rise and tomorrow one can buy at 5%, then one could make ~$50 in 52 weeks a 1 day. You couldn't resell your bill for anything near what you paid because it is now worth less, almost ex...
by mega317
Tue Aug 14, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 1869

Re: Are merchants more (too) careless these days?

You should try doing the same menial task a thousand or two times a day. I'm guessing you won't be 100% either. Do you see, or expect to see, the cashier looking up at the screen after each beep to double check? It's not that I don't expect them to do their job. And it's not about accepting deficien...
by mega317
Tue Aug 14, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 1869

Re: Are merchants more (too) careless these days?

Someone who's ringing up thousands of items a day for crappy hourly wage doesn't have any reason, nor IMO moral responsibility, to be surprised nor apologetic for mistakes. Only to fix it. Just today I was accidentally (?) disconnected while on hold, nearly crashed into at low speed when someone's v...
by mega317
Tue Aug 14, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Relocating/New Job - Feels Like a Good Time to Check In
Replies: 6
Views: 538

Re: Relocating/New Job - Feels Like a Good Time to Check In

Another option is put a target date or some other balanced fund in all accounts. You'll pay at least a little bit in higher expense ratio but that would be worth it for some people. There's nothing wrong with delaying a decision! You might have more information in a year that will improve your abili...
by mega317
Tue Aug 14, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: BH Sages - help me know if I'm on track!
Replies: 3
Views: 262

Re: BH Sages - help me know if I'm on track!

Then you can save more than 50k per year and retire in under 20 years with a 3% withdrawal rate at that spending level.
by mega317
Tue Aug 14, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: BH Sages - help me know if I'm on track!
Replies: 3
Views: 262

Re: BH Sages - help me know if I'm on track!

I'm no sage but I think you're good. You make $130k. I've got your expenses as 401k 18.5k HSA 3.5k Income tax 20k Ill tax 5k? Roth 5.5k Total expenses you listed 40k. That leaves 37k plus bonus. You should be able to knock that loan out in less than a year unless I'm missing something. I don't care ...
by mega317
Tue Aug 14, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Wife changing jobs 401k options
Replies: 6
Views: 350

Re: Wife changing jobs 401k options

With Vanguard institutional shares I'd leave the money there until RMD time. Beware the rollover IRA until you learn about the back door Roth as ExitStageLeft said.
by mega317
Tue Aug 14, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Relocating/New Job - Feels Like a Good Time to Check In
Replies: 6
Views: 538

Re: Relocating/New Job - Feels Like a Good Time to Check In

Every time you or your spouse leave a job you should roll your 'old' 401k over into a self-directed IRA at the investment house of your choice (we use Vanguard), aggregating the old 401ks into two accounts (one rollover account for you and one for your spouse). Eventually you will end up with all y...
by mega317
Tue Aug 14, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: VISA stock
Replies: 7
Views: 694

Re: VISA stock

dbapaddy wrote:
Tue Aug 14, 2018 2:01 pm
Needless to say, they're performed nicely.
I'm laughing about this because for me it did need to be said. I have very little idea about the performance of most individual stocks over any particular time period.
by mega317
Tue Aug 14, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 49
Views: 1899

Re: Travel over thanksgiving holiday, drive or fly?

If getting there is the #1 concern (not going is "not an option) then you have to drive. Door to door by flying will be similar (ground transport to airport, arrive early, wait in terminal, ground transport after you land) and you have more flexibility with driving and no cancellations. And even wit...
by mega317
Tue Aug 14, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: VISA stock
Replies: 7
Views: 694

Re: VISA stock

Yes. Any more detailed answer will require a more detailed post:
viewtopic.php?t=6212
by mega317
Tue Aug 14, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate our financial health
Replies: 13
Views: 1000

Re: Help evaluate our financial health

Well the idea is that you would sell in taxable and buy the same thing right back in the Roth so your portfolio doesn't change. Taxes are a consideration but I wouldn't be so averse to capital gains taxes that you eschew tax-advantaged space. What's the other 10%, you could use that?
by mega317
Tue Aug 14, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 22
Views: 2191

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

All-time list would be boring. Of the books I've read recently Fiction I don't read a lot of: No Country for Old Men, Master and Commander, 1984? Nonfiction: Apollo 8 Jeffrey Kluger, Dead Wake by Erik Larsen and everything else of his actually, Popular Crime by Bill James. Financial: The Financial C...
by mega317
Tue Aug 14, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Relocating/New Job - Feels Like a Good Time to Check In
Replies: 6
Views: 538

Re: Relocating/New Job - Feels Like a Good Time to Check In

I don't think you're too complex. I think yours is the typical picture of a 3 fund portfolio across many accounts with no real way to reduce the number of accounts. Build a spreadsheet to help you with rebalancing. There are some fancy ones that people around here have made but mine basically goes l...
by mega317
Tue Aug 14, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: More cash instead of bonds
Replies: 15
Views: 1735

Re: More cash instead of bonds

There is nothing particularly wrong with taking less risk and accepting lower returns. But if you are unhappy with the risk level in your portfolio, the thing to address is the stock/bond ratio.
by mega317
Tue Aug 14, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate our financial health
Replies: 13
Views: 1000

Re: Help evaluate our financial health

As I said upthread, I would NOT pause your retirement contributions but rather spend down the taxable account.
by mega317
Mon Aug 13, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Funding 403(b) as Wife Starts Full-time Teaching Career
Replies: 8
Views: 556

Re: Funding 403(b) as Wife Starts Full-time Teaching Career

None that I can think of. You all seem to have enough money without her working, so the only way "smaller paycheck" seems to be a downside would be a psychological one for her. I could see someone being bummed about taking home less money after getting a raise because they have new access to a 403b....
by mega317
Mon Aug 13, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: VTI vs VTSMX
Replies: 10
Views: 766

Re: VTI vs VTSMX

The largest the fee difference could be is $10. Every other factor in the ETF vs mutual fund decision is more important.
by mega317
Mon Aug 13, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate our financial health
Replies: 13
Views: 1000

Re: Help evaluate our financial health

I'd like to see your Amazon/Costco lines broken out into their components. I do the same thing, I have a "Target" line in my expense tracker because I don't feel like saving receipts and certainly am not going to ask my wife to save receipts to enter them in a spreadsheet later. If I'm guessing it w...
by mega317
Mon Aug 13, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Chinese ETF or Gold or something else?
Replies: 13
Views: 795

Re: Chinese ETF or Gold or something else?

When you say "preserve the capital but still realize some returns" I hear "conservative". Stocks and gold are not that. If a US investor used that phrasing I would suggest bonds, treasuries, CDs, or perhaps a mix of stocks and fixed income depending on what "preserve" and "some" meant. One person mi...
by mega317
Mon Aug 13, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate our financial health
Replies: 13
Views: 1000

Re: Help evaluate our financial health

Welcome to the forum. I have a couple of thoughts. You have a large taxable account. I would definitely continue to max retirement contributions and spend down the taxable account if you need to. How did you save up that much anyway? I wouldn't bank on 3k magically appearing in your budget after day...
by mega317
Mon Aug 13, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: My experience with CloudReady (convert your PC or Mac into a Chromebook)
Replies: 23
Views: 2148

Re: My experience with CloudReady (convert your PC or Mac into a Chromebook)

You need some computer, any computer, with the chrome browser on it to create a bootable USB drive. After that you plug it in to your target computer and boot to that drive. On my Mac I hold down "option" as it boots, and it gives me the choice of how to boot--hard drive or USB. When I replaced that...
by mega317
Mon Aug 13, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 35
Views: 2178

Re: Decided on Chromebook, now need spec help

Just found out my new work gives us an a 2 year interest free loan on a computer that comes out of our paycheck bi monthly. So now I am wanting to get nicer since money isn't as much of an obstacle and I haven't gotten something nice in 8 years. Sorry but in the spirit of the recent thread on unsol...
by mega317
Sun Aug 12, 2018 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Small business owner, mid 30s, doing great, clueless with investments
Replies: 22
Views: 1976

Re: Small business owner, mid 30s, doing great, clueless with investments

A couple of thoughts. Yes you're doing better than average. I didn't do the math that carefully but it looks like you are counting in your net worth the investments, cash, and home equity and ignoring the almost million dollars you owe to a bank. That's a lot! You have a huge mortgage and possibly u...
by mega317
Sun Aug 12, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Why do two monitors with the same resolution display differently?
Replies: 10
Views: 702

Re: Why do two monitors with the same resolution display differently?

Thanks everyone for your replies. "make everything bigger" did the trick. Just what I needed.
by mega317
Sun Aug 12, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Is Bond Re-location worth it?
Replies: 1
Views: 233

Re: Is Bond Re-location worth it?

tweet737 wrote:
Sun Aug 12, 2018 1:40 pm
Am I being overly pedantic about the location of the Bond funds, or does this approach make sense?
It's possible for both of these things to be true.

It doesn't matter that bonds are "down" because you will be selling and buying at the same time--there will be no change in your portfolio.
by mega317
Sun Aug 12, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Aqua Shoes for Beach
Replies: 16
Views: 1394

Re: Aqua Shoes for Beach

I once saw someone who basically had flesh-eating bacteria on her foot from playing in water with skin breaks from poor-fitting water shoes.
by mega317
Sun Aug 12, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Do I understand TLH (and related questions)
Replies: 2
Views: 272

Re: Do I understand TLH (and related questions)

IMO you are overthinking this. Your general understanding looks good. It's 61 days not 60 days. The issue with 401ks is just what you've said--interpretation. That means we don't know what's "right". (My opinion on this, which doesn't matter at all, is that 401ks might count because condition #1 is ...
by mega317
Sun Aug 12, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: VMMXX vs I-Bonds vs High Yield saving account vs ... ?
Replies: 25
Views: 2614

Re: VMMXX vs I-Bonds vs High Yield saving account vs ... ?

But admit it, it's been fun for you. Can't calculate ROI on that.
by mega317
Sun Aug 12, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Why do two monitors with the same resolution display differently?
Replies: 10
Views: 702

Re: Why do two monitors with the same resolution display differently?

oldcomputerguy wrote:
Sun Aug 12, 2018 1:28 pm
It’s not clear from your post, is the monitor connected as a second display to the laptop? If so, you’re presenting the laptop with two different display resolutions, which can cause some screwy things to happen.
No, sorry. Two different computers. The laptop is not connected to a second display.
by mega317
Sun Aug 12, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Why do two monitors with the same resolution display differently?
Replies: 10
Views: 702

Re: Why do two monitors with the same resolution display differently?

I haven't changed any setting on either computer. The laptop I actually just wiped last week and have a clean Windows 10 which I did not change any settings. For an example of what I'm seeing, here is my Chrome bookmarks bar on the 24". The red line I've drawn is about the edge of the screen on the ...
by mega317
Sun Aug 12, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio checkup and the best place for my next dollar [young resident doctor]
Replies: 10
Views: 549

Re: Portfolio checkup and the best place for my next dollar [young resident doctor]

Similarly you can get as much as you can afford in the 403b even with only a few months to go.
by mega317
Sun Aug 12, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio checkup and the best place for my next dollar [young resident doctor]
Replies: 10
Views: 549

Re: Portfolio checkup and the best place for my next dollar [young resident doctor]

I have also had some anxiety over the timing of 457 contribution changes. UC will cut you off at 18.5k so just increase your contributions by more than you think you need to make sure you get it in. What I would do is assume your August, Sept, and Oct paychecks will all be the old contribution amoun...
by mega317
Sun Aug 12, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Why do two monitors with the same resolution display differently?
Replies: 10
Views: 702

Why do two monitors with the same resolution display differently?

My laptop is 12" 1920x1080 and displays less information laterally across the screen than my 24" 1920x1200 monitor. Why is this the case? With the same number of pixels I would have assumed it would be the same but smaller on the laptop.
by mega317
Sun Aug 12, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: VMMXX vs I-Bonds vs High Yield saving account vs ... ?
Replies: 25
Views: 2614

Re: VMMXX vs I-Bonds vs High Yield saving account vs ... ?

I would get some of this into I bonds. 10k now, EF in shorter T bills, the rest in longer T bills. In a year count that 10k towards your emergency fund, buy another 10k I bonds, and adjust your short/long T bill ratio as needed. Another year after that the whole thing will be liquid and you can deci...
by mega317
Sun Aug 12, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio checkup and the best place for my next dollar [young resident doctor]
Replies: 10
Views: 549

Re: Portfolio checkup and the best place for my next dollar [young resident doctor]

I think you seem overconfident in your marginal tax rate in retirement. There is a good chance that--due to RMDs, pension, social security, change in filing status, change in tax law--you'll be in a higher bracket. And keep in mind contributions to taxable are also going in at 22%/9.3%. All that bei...
by mega317
Sat Aug 11, 2018 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]
Replies: 29
Views: 2339

Re: Which is better?

"Better" is not a useful word. VTI for someone who doesn't want international, or wants international at a different ratio, or cares about a few basis points in expense ratio. VT for someone who values simplicity, wants to hold the market weight of international. Neither is better than the other. Or...
by mega317
Sat Aug 11, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Contract Renewal Negotiation (email)
Replies: 9
Views: 955

Re: Contract Renewal Negotiation (email)

How does ignoring them and then responding to their follow up differ from responding to their first email? Would it make any difference to go talk to someone in person rather than by email? If you ask for something in the act of asking you are acknowledging the superior position of the other party....
by mega317
Sat Aug 11, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Contract Renewal Negotiation (email)
Replies: 9
Views: 955

Re: Contract Renewal Negotiation (email)

How does ignoring them and then responding to their follow up differ from responding to their first email?

Would it make any difference to go talk to someone in person rather than by email?
by mega317
Sat Aug 11, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: CA resident 529
Replies: 6
Views: 596

Re: CA resident 529

If you're at Fidelity I'd use their 529. A few states use them.
by mega317
Sat Aug 11, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: support vs. gift for college student
Replies: 6
Views: 710

Re: support vs. gift for college student

Spirit Rider wrote:
Sat Aug 11, 2018 5:42 pm
After all, a teenager would consider failing to provide a cell phone as child neglect and a crime against humanity.
Good post but this is too funny. I don't think the IRS gives a * what teenagers think.
by mega317
Sat Aug 11, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Cash for Down-payment
Replies: 3
Views: 417

Re: Cash for Down-payment

I'm in a high-tax state. The after-tax difference between that Ally account and 26-week T bills is $300 for the year for me. I'd do it. Of course I'm giving up about that much by hanging on to my 1.5% rewards credit card instead of going for a 2% one which would take about as much time to switch all...
by mega317
Sat Aug 11, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Rollover
Replies: 4
Views: 347

Re: 403b Rollover

Yes don't lose the savers credit.
Is there a chance you'll be one of those people who pay no taxes in retirement? If so then don't pay 12% now.
by mega317
Sat Aug 11, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: RDFN and housing market slow down...
Replies: 11
Views: 1335

Re: RDFN and housing market slow down...

jminv wrote:
Sat Aug 11, 2018 8:12 am
Without any clear prospects of earning a return on capital that is greater than their cost of capital in the future coupled with a housing slowdown, their stock doesn't have much upside.
But that website!
by mega317
Sat Aug 11, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio checkup and the best place for my next dollar [young resident doctor]
Replies: 10
Views: 549

Re: Portfolio checkup and the best place for my next dollar [young resident doctor]

I'm with UC also. 1. You're doing great. Her old 403b/calSTRS does not need to throw off your allocation, just own less US stock and fixed income in a different account. I would probably make one transaction--sell 7% domestic stock somewhere and buy international. But I agree with your instinct to n...
by mega317
Sat Aug 11, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Device to listen to while exercising?
Replies: 23
Views: 1617

Re: Device to listen to while exercising?

What?! I'm seeing on Ebay old iPod shuffles, like first generation, from 2005, for over 50 bucks! I guess they work just as well as newer generations unlike phones?
by mega317
Sat Aug 11, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: My experience with CloudReady (convert your PC or Mac into a Chromebook)
Replies: 23
Views: 2148

Re: My experience with CloudReady (convert your PC or Mac into a Chromebook)

Another update because I'm having fun with this. I bought a used SSD for $17. Boot time went from 90 seconds to ~30. Otherwise everything seems exactly the same.
by mega317
Sat Aug 11, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Worth seeing comedian live if already saw their Netflix special?
Replies: 9
Views: 851

Re: Worth seeing comedian live if already saw their Netflix special?

Yeah with some exceptions I don't think there is much difference to the in-person experience. Maybe if they're really dynamic (Steve Martin 40 years ago?) or some intimate venue where you're 10 feet from the comedian. But not an auditorium or theater IMO. Different from, say, a sporting event where ...