Search found 65 matches

by Houe
Tue Dec 12, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 46
Views: 3119

Re: best cashback credit card ?

Here is my CC list. Seems quite similar to what a lot of others have mentioned. costco citi 4% gas, 3% restaurants amazon prime 5% amazon.com chase freedom and discover 5% rotating categories AMEX blue 3% groceries fidelity 2% everything else Honestly I'm tempted to simplify. Might dump amex because...
by Houe
Tue Dec 12, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 102
Views: 8674

Re: What to do after losing $117k in stock market?

I'll tell you what not to do: put everything you have left into bitcoin.
by Houe
Mon Dec 11, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest in a bull market
Replies: 17
Views: 1967

Re: When to invest in a bull market

As the sayings goes... The best time to plant a tree was 20 years ago. The second best time to plant a tree is today.

But honestly I'd probably dollar cost average in just to avoid one day swings even if it means paying a bit more.
by Houe
Mon Nov 20, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13980

Re: Dave Ramsey says don't use credit cards, even if you pay them off

That said, he has somewhat of a point. e.g. have a look at this article (and the linked studies): https://www.psychologytoday.com/blog/the-science-behind-behavior/201607/does-it-matter-whether-you-pay-cash-or-credit-card. While individuals may vary, the data seems pretty good that most people spend...
by Houe
Mon Nov 20, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13980

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Does anyone have any information on this study DR refers to? DR advocates using debit cards. I'd like to know if debit cards would be included as cash or plastic. If you pay your CC each month and maybe even link auto pay to your checking account the only difference between a debit card and CC is th...
by Houe
Tue Nov 14, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 1928

Re: Should I bail on AT&T and Directv?

Looks like AT&T reduced the directv/directvnow discount to only $15 (was $25). So that option becomes a little less compelling.
by Houe
Tue Nov 14, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3701

Re: Borrowing from parents - what interest rate?

djpeteski wrote:
Tue Nov 14, 2017 7:15 am
Don't do it.
This. Many family relations go south because of things like this. Not worth the risk.
by Houe
Tue Nov 14, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: Passive investing is a 'chaotic system' that could be dangerous?
Replies: 20
Views: 1842

Passive investing is a 'chaotic system' that could be dangerous?

I'm fairly new to index investing with bogleheads advice. Wondering what your thoughts on this article are...

https://www.cnbc.com/2017/11/14/robert- ... ystem.html
by Houe
Mon Nov 13, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1116205

Re: U.S. stocks in freefall

wrongfunds wrote:
Fri Nov 10, 2017 5:05 pm
Oh My God; two consecutive days of trading in red; when was last time such a calamity had occurred before??
Might be going on 3!
by Houe
Thu Nov 09, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 1928

Re: Should I bail on AT&T and Directv?

You could try out DirectvNow for a free month. If it would work for you then with the ATT discount it would be $10/month. I heard that some DVR functionality is coming to DirectvNow but I really don't know much about it. Just something to look into. I tried DirectvNow via a FireTv with wired Etherne...
by Houe
Thu Nov 09, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1116205

Re: U.S. stocks in freefall

ImmigrantSaver wrote:
Thu Nov 09, 2017 1:38 pm
I am contemplating buying my scheduled for tomorrow allocation today. Cause clearly tomorrow it'll be back up :oops:
Well my 401k contribution isn't for another week - probably too late to take advantage of this drop.
by Houe
Tue Nov 07, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 44
Views: 3849

Re: Considering a LG 55" OLED TV

Found something interesting when I set up the OLED55B7A. I was not expecting Dolby Atmos...... but found it "not grayed out" and available. The TV did go through an "online update" before I sat down to make picture adjustments. Maybe the update added the Dolby Atmos capability ??? Or maybe it was a...
by Houe
Mon Nov 06, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 44
Views: 3849

Re: Considering a LG 55" OLED TV

Keep in mind that Citi has Price Rewind, so you can buy it at Costco, submit the printout of the Best Buy website price, and they’ll credit you the difference. (up to $500) I wonder if the slight difference in model numbers would be an issue for that? Costco has it as Model OLED55B7 Best Buy has it...
by Houe
Mon Nov 06, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 44
Views: 3849

Re: Considering a LG 55" OLED TV

I've been doing some research for a 4k tv. The LG OLED sets are consistently at the top of everyone's list. But no display is perfect and depending on your needs OLED may not be the best technology for you. OLED pros: 1. blacks are inky black 2. better viewing angles 3. excellent color with vivid co...
by Houe
Tue Oct 31, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1116205

Re: U.S. stocks in freefall

Engineer250 wrote:
Mon Oct 30, 2017 3:58 pm
Houe wrote:
Mon Oct 30, 2017 1:23 pm
ruralavalon wrote:
Sun Oct 29, 2017 1:21 pm
I just thought I'd check on how the freefall is progressing.
Currently down 0.33% today. Not that I'm keeping track...
My 401k money goes in tomorrow so you can be confident it will be back up again before my money goes in.
Yup, I hear you. :)
by Houe
Tue Oct 31, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: How to get a second job?
Replies: 11
Views: 1291

Re: How to get a second job?

Or you are going to work 8 to 5 at both jobs at the same time? This reminds me of a story about a guy who did just that. The individual found a new job and simply did not quit the first job. The sites were fairly close so he skipped lunch from the new job a bit early and went to the second job for ...
by Houe
Mon Oct 30, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1116205

Re: U.S. stocks in freefall

ruralavalon wrote:
Sun Oct 29, 2017 1:21 pm
I just thought I'd check on how the freefall is progressing.
Currently down 0.33% today. Not that I'm keeping track...
by Houe
Mon Oct 23, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Better than 4% Rule
Replies: 40
Views: 5292

Re: Better than 4% Rule

I think Dave Ramsey recommends and 8% withdraw rate.
by Houe
Mon Oct 23, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for Citibank Costco Visa
Replies: 25
Views: 4867

Re: Turned down for Citibank Costco Visa

Why would you want the Citi Costco Visa anyway? The Costco card pays 4% cash back on gasoline at Costco only. 3% on restaurants and travel, 2% on Costco purchases and 1% on everything. Else. The Citi Double Cash pays 2% on everything. So unless you are a heavy spender at Costco Gas, and a heavy spe...
by Houe
Fri Oct 20, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27391

Re: Sitting on cash....Waiting for a crash

I thought i posted this so I hope it is not a double post... but...

What if the market is never this low again? There are lots of price levels the market has passed and will never return to again. How is waiting for a crash a good plan?
by Houe
Fri Oct 20, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5848

Re: Is a crash coming soon?

What if the market is never this low/cheap again? There are lots of price levels the market has passed and will never see again.
by Houe
Thu Oct 19, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27391

Re: Sitting on cash....Waiting for a crash

Its anecdotal. I said it "seems". People at work (two) have mentioned to me that they are selling before the market crashes.
by Houe
Thu Oct 19, 2017 8:31 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27391

Re: Sitting on cash....Waiting for a crash

DaftInvestor wrote:
Thu Oct 19, 2017 8:26 am
Houe wrote:
Thu Oct 19, 2017 8:15 am
It seems like there is a lot of fear lately. Dow down 100 today.
You must mean the Dow Futures are down- the market doesn't open for another 5 minutes.
Yes, you are correct.
by Houe
Thu Oct 19, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Will it be a mistake to buy VTSMX today?
Replies: 50
Views: 7007

Re: Will it be a mistake to buy VTSMX today?

Today could be good, but maybe tomorrow or next year will be better... :confused
by Houe
Thu Oct 19, 2017 8:15 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27391

Re: Sitting on cash....Waiting for a crash

It seems like there is a lot of fear lately. Dow down 100 today.
by Houe
Wed Oct 18, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 10415

Re: how long did it take to get used to retirement

I'm not retired yet but I don't think I'll have too hard a time to adjust. I'm a 41yr old electrical engineer. When I retire I'd like to take up astronomy... maybe grind some big mirrors and build some scopes. I enjoy doing machining on a lathe and milling machine. Grow a large garden with a lot of ...
by Houe
Fri Oct 13, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Reverse Osmosis Systems for Kitchen Sink
Replies: 22
Views: 1050

Re: Reverse Osmosis Systems for Kitchen Sink

I installed an APEC RO system about a year ago. Prior to this system I used a distiller for many years. A distiller pretty much takes out everything and honestly I prefer the taste of distilled water better but the daily grind of distilling grew old and the cost of a large distiller to sit in the ba...
by Houe
Fri Oct 13, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 5523

Re: Which Streaming Service/Live TV?

My wife and I live in a rural location where our only options are DirecTV and Dish which most of the homes in the area have. But we use OTA (small roof antenna with amplifier) for networks (NBC, ABC, CBS, Fox, and PBS) and a few others. In addition we have an Amazon FireTV. Through FireTV we can ren...
by Houe
Fri Sep 22, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity 401k rollover
Replies: 4
Views: 288

Re: Help with Fidelity 401k rollover

For future reference.....and since I've rolled over a bunch of accounts into Fidelity over the last 3 years....you can specify what you want the new funds to be once rolled in. I've done it every time and they match exactly what I specify. I'd never let anyone (not Fidelity, not Vanguard, not anyon...
by Houe
Fri Sep 22, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity 401k rollover
Replies: 4
Views: 288

Re: Help with Fidelity 401k rollover

I was looking at the prospectus and there was some mentioned about frequent traders and 85 or 90 day moving average and 2% fees. A 2% fee could result in $1k+ fee! So I called in to ask the questions but I was shut down since my wife was not on the phone with me. I'll have to call back tonight after...
by Houe
Fri Sep 22, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity 401k rollover
Replies: 4
Views: 288

Help with Fidelity 401k rollover

So my wife and I finally got around to rolling over her previous company 401k. I should have looked at this a couple years ago, but life happens. This 401k was with Fidelity and so we simply rolled it over into a Fidelity rollover IRA. The 401k had 3 items in it and they were rolled over as follows:...
by Houe
Thu Sep 14, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10816

Re: Companies/Brands You Love?

Almond Breeze almond milk LG OLED tv FireTV (not stick) Marantz A/V receiver Makita power tools Aprilaire humidifier (model 800) HP calculator (older 48GX in particular) Gillette fusion proglide razors Desenex foot powder Philips led lights Burts Bees lip balm Snap On ratchets/sockets Breville (toas...
by Houe
Mon Jun 19, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 5924

Re: Dehumidifier woes

It might not be the best idea to cycle power at the plug to control humidity. That might be tough on the unit. There very likely is a power down algorithm built into the unit to bring down pressures and temperatures internal to the compressor.
by Houe
Fri Jun 16, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 5924

Re: Dehumidifier woes

Run the dehum for a week to get the space dry. If the dehumidifier still runs continuously or nearly continuously the unit is probably undersized. But you don't want to short cycle the unit either.
by Houe
Thu Jun 15, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 3724

Re: internet cost saving strategy

I'd love to have a $75 internet bill. We live out in the country and use ATT wireless for internet. Its unlimited and we get anywhere from 10mbit/s to 38mbit/s depending on congestion but it costs $108. I feel fortunate to have found this internet because many of those around me use satellite intern...
by Houe
Wed Jun 14, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 17923

Re: Poll: 401K Match

50% of first 6%. However there is also profit sharing that has been very good. Overall last year I contributed 6% and employer contributed approximately 8% (3% match and ~5% profit sharing).
by Houe
Wed Nov 23, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Help choose 401k funds (new options added)
Replies: 4
Views: 645

Re: Help choose 401k funds (new options added)

In regards to the bonds being low... considering my wife is 8 years younger than me do I change this or invest based on my age only? We are both working, but I make about 2/3 our income and she makes 1/3 our income.
by Houe
Tue Nov 22, 2016 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help choose 401k funds (new options added)
Replies: 4
Views: 645

Help choose 401k funds (new options added)

My employer updated their 401k now with the following options: Nuveen Real Estate Securities I, FARCX (1.05/1.05) American Funds EuroPacific Gr R6, RERGX (0.50/0.50) Dodge & Cox International Stock, DODFX (0.64/0.64) Columbia Small Cap Value II Z, NSVAX (1.02/1.02) Vanguard Small Cap Growth Inde...
by Houe
Wed Oct 12, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 8633

Re: Vitamix Worth It?

It's one of the best blenders out there. Blendtec's are also talked about in the same sentence as the Vitamix. I own a Blendtec but if I didn't get a deal on it I would own the Vitamix. I think the Vitamix is the better of the two. Get a Vitamix if you like to make lots of smoothies - especially the...
by Houe
Wed Sep 28, 2016 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Comcast incorrectly told us there was an internet line - now what? - solved
Replies: 47
Views: 3863

Re: Comcast incorrectly told us there was an internet line - now what?

why not use your cell as a hotspot Cell data isn't very cheap, or fast. Cell data speed can vary greatly depending on signal strength and congestion. Areas where cable and DSL are not available tend to be more rural and generally get better cell data speeds because not many people are using the ser...
by Houe
Tue Sep 27, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast incorrectly told us there was an internet line - now what? - solved
Replies: 47
Views: 3863

Re: Comcast incorrectly told us there was an internet line - now what?

One other thing. Satellite internet companies are launching new satellites in the next year or so which may make them viable options - we will have to wait and see how that goes, but for now its not a good situation.
by Houe
Tue Sep 27, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast incorrectly told us there was an internet line - now what? - solved
Replies: 47
Views: 3863

Re: Comcast incorrectly told us there was an internet line - now what?

I'm in a similar situation. I can get a phone line but DSL is not available. The house up the road about a half mile can get DSL (1.5mbps - not great) but I am out of range. So my options are satellite, as a number of my neighbors use, or cell phone data plans. Honestly from what I hear the satellit...
by Houe
Fri Sep 16, 2016 3:46 pm
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2982

Re: Pay mortgage down (PMI) or invest

The chance that we live in the house for 30 years is probably small - life happens. It wouldn't surprise me if I was here for 10 yrs but you never know. There also is a certain peace/security with having a paid for house. There is risk in having debt - its not easy to quantify. We all have to balanc...
by Houe
Fri Sep 16, 2016 1:44 pm
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2982

Re: Pay mortgage down (PMI) or invest

I was in a similar situation, but worse (FHA, though not as bad as it is now). To regrets! What I did: Refinance (moving to a 20 year loan). The refinance required an appraisal which (to my everlasting delight) came in a higher than the purchase price; I paid enough more to remove PMI -- based on 2...
by Houe
Fri Sep 16, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2982

Re: Pay mortgage down (PMI) or invest

Since I am a software guy i wrote a program for 2 simulations with the following parameters each for 30 years (360 months). Simulation A. 1. $1600 a month to spend on mortgage and investing 2. pay pmi if mortgage is above 224k 3. a. if mortgage is above 224k put all remaining funds on mortgage b. i...
by Houe
Fri Sep 16, 2016 1:08 pm
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2982

Re: Pay mortgage down (PMI) or invest

Since I am a software guy i wrote a program for 2 simulations with the following parameters each for 30 years (360 months). Simulation A. 1. $1600 a month to spend on mortgage and investing 2. pay pmi if mortgage is above 224k 3. a. if mortgage is above 224k put all remaining funds on mortgage b. if...
by Houe
Fri Sep 16, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2982

Re: Pay mortgage down (PMI) or invest

Making normal payments the PMI is going to be around for about 5 years. Our budget is fairly tight but I could probably get that down to 3yrs or less with the extra money I could put towards it. We do like the home and plan to stay - no plans short or long to move right now. Both our cars are now p...
by Houe
Fri Sep 16, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2982

Re: Pay mortgage down (PMI) or invest

Making normal payments the PMI is going to be around for about 5 years. Our budget is fairly tight but I could probably get that down to 3yrs or less with the extra money I could put towards it. We do like the home and plan to stay - no plans short or long to move right now. Both our cars are now p...
by Houe
Fri Sep 16, 2016 10:45 am
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2982

Re: Pay mortgage down (PMI) or invest

Making normal payments the PMI is going to be around for about 5 years. Our budget is fairly tight but I could probably get that down to 3yrs or less with the extra money I could put towards it. We do like the home and plan to stay - no plans short or long to move right now. Both our cars are now pa...
by Houe
Fri Sep 16, 2016 10:20 am
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2982

Pay mortgage down (PMI) or invest

I have a relatively new mortgage (1 year) and am paying PMI - that was a mistake but the past is the past. Right now I am contributing to my 401k 6% to obtain the 3% company match (9% total or $650 per month). I will continue to do that at minimum but my question is should I put extra money to the m...