Search found 1417 matches

by Nate79
Tue Dec 12, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 182
Views: 11278

Re: Prepayment of SALT Taxes? [State and Local]

I thought about doing this. The Oregon website does appear to allow payment of 2018 estimated taxes though the website isn't 100% clear. The issue I see is that with the tax law change the prepayment of these taxes are being discussed a lot across the forums and I can see if it wasn't an IRS audit t...
by Nate79
Tue Dec 12, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Play money individual stocks, which ones?
Replies: 40
Views: 1503

Re: Play money individual stocks, which ones?

I do not understand the need to have play money in individual stocks. This is more trouble than it's worth for 5% of a portfolio. I would rather use the money towards very speculative investments where the potential impact is higher, but risk is much higher. Something like cryptocurrency.
by Nate79
Mon Dec 11, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: So bought Litecoin@ $150...
Replies: 14
Views: 2456

Re: So bought Litecoin@ $150...

toomuchRE wrote:
Mon Dec 11, 2017 9:45 pm
What the heck. So put in 1K for fun.. I don't know what is going to happen but it hit 270 today and seems to be goin crazy..

Well the most I will lose is 1k. What gives ???
A week ago it was <100. Snooze you lose.
by Nate79
Mon Dec 11, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Sprint one year free - what an ordeal!
Replies: 12
Views: 1526

Re: Sprint one year free - what an ordeal!

The upside it is free. The downside it is Sprint.
by Nate79
Mon Dec 11, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 18237

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

MossySF wrote:
Mon Dec 11, 2017 8:43 pm
There are billions of people in this world who cannot invest in what you and I can because of their nationality ... so cryptocurrencies are one of the few options they have.
Are you serious?
by Nate79
Mon Dec 11, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Cap gains - when?
Replies: 8
Views: 676

Re: Cap gains - when?

Let's be realistic. No one knows what tax law will look like 30 years from now.
by Nate79
Mon Dec 11, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: Robert Shiller warming up to Bitcoin
Replies: 7
Views: 1465

Re: Robert Shiller warming up to Bitcoin

I watched the interview and I don't agree with the thread title. That is an extreme exaggeration to try to give some merit to Bitcoin.
by Nate79
Mon Dec 11, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 87
Views: 5254

Re: Quit jobs to gain lower EFC

You say your oldest is a senior and the middle child is a junior. What colleges has the senior applied to, and what colleges is the junior considering? What are their GPAs and standardized test scores? What extra-curricular activities are they participating in, and are they nationally ranked in any...
by Nate79
Mon Dec 11, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Upside Down On Vehicle
Replies: 16
Views: 1038

Re: Upside Down On Vehicle

You say this is a used truck that you purchased. As long as you paid the market price for the truck it's hard to see how it has depreciated $5k in a couple of months. You should be considering private party value which if you purchased on private party should be close to what you paid or else you ov...
by Nate79
Mon Dec 11, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1504

Re: Best Parmesan Cheese for Salad

Beware some of the Kraft stuff in the green can is only part cheese and the rest is "filler". Yep they add sawdust and sell it as cheese. So I would not buy it. The way we buy Parmesan cheese is at Costco in block form. It is about $10 per pound but a good deal. Then we grate some for our meals. It...
by Nate79
Mon Dec 11, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2338

Re: Do girls wear Ninja Turtle character shoes

And it's only loosly correlated because of society's prevailing attitudes about what boys "should" be interested in and what girls "should" be interested in! Take away these preformed ideas and you would see greater distribution of interests for boys and girls! Parents have the right to raise their...
by Nate79
Sun Dec 10, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford? (First Home)
Replies: 27
Views: 2120

Re: How much house can I afford? (First Home)

Why do you have so much cash and yet are taking on student loan debt? Rent and finish school with no debt.
by Nate79
Sun Dec 10, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Fraud/401k sales and the elderly parent
Replies: 14
Views: 1490

Re: Fraud/401k sales and the elderly parent

Very sad and what a mess. There are so many scams out there and these are the typical ones. What's worse is the money came from tax deferred accounts. I have a very hard time believing that there is some type of pleading ignorant tax do over.
by Nate79
Sun Dec 10, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 3764

Re: Buying index funds is just as speculative as buying Bitcoin

At some point it's really hard to take the bitcoin fanboys seriously. :confused
by Nate79
Sun Dec 10, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 38
Views: 2288

Re: likely date for a bitcoin crash: does this make sense to you?

Bitcoin can't crash. You guys just don't understand the technology :oops:
LOL.
by Nate79
Sun Dec 10, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Do DFA Funds have lower trading costs than Index Funds?
Replies: 32
Views: 1320

Re: Do DFA Funds have lower trading costs than Index Funds?

Until these funds are accessible to the general public not thru an advisor and the advisory fee it doesn't really matter.
by Nate79
Sun Dec 10, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 87
Views: 5254

Re: Quit jobs to gain lower EFC

And this is what is wrong with society. When one can work and pay for college and instead stops working so they can ask for a handout. This is the kind of moralizing/political comments I specifically asked to be tabled for this discussion and would appreciate respect for my request. Thanks so much ...
by Nate79
Sun Dec 10, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 87
Views: 5254

Re: Quit jobs to gain lower EFC

And this is what is wrong with society. When one can work and pay for college and instead stops working so they can ask for a handout. This is the kind of moralizing/political comments I specifically asked to be tabled for this discussion and would appreciate respect for my request. Thanks so much ...
by Nate79
Sun Dec 10, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2338

Re: Do girls wear Ninja Turtle character shoes

Those look fine for a boy unless he lets his friends know he is wearing girls shoes.....
by Nate79
Sun Dec 10, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for Filing Jointly
Replies: 6
Views: 390

Re: Preparing for Filing Jointly

Contact Wealthfront and see if they will be able to link your two accounts when married to avoid wash sales.
by Nate79
Sat Dec 09, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 182
Views: 11278

Re: Prepayment of SALT Taxes? [State and Local]

How about this one: Let's say you do prepay state income taxes in 2017 for tax year 2018. The state correctly applies the payment to 2018. And for any number of reasons, including some that are hypothetical and cannot be discussed here, you find out, in February of 2018, that you can and do want to...
by Nate79
Sat Dec 09, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 87
Views: 5254

Re: Quit jobs to gain lower EFC

And this is what is wrong with society. When one can work and pay for college and instead stops working so they can ask for a handout.
by Nate79
Fri Dec 08, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 64
Views: 3580

Re: I am buying a car: Most/Least Reliable Makes?

Top - Toyota/Lexus
Bottom - Fiat/Chrysler
Even worse - Tesla
by Nate79
Fri Dec 08, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Quick Question
Replies: 4
Views: 410

Re: HSA Quick Question

Do you have health insurance that is HSA eligible?
by Nate79
Fri Dec 08, 2017 8:51 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 4003

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Every time I read these threads I'm more and more happy with my Payflex HSA. No monthly fee to invest and access to Vanguard funds. Only requirement is to keep a certain amount of cash which I would do anyways. Your monthly fee is being paid by your employer. Payflex is not a cost-effective option ...
by Nate79
Fri Dec 08, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 4003

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Every time I read these threads I'm more and more happy with my Payflex HSA. No monthly fee to invest and access to Vanguard funds. Only requirement is to keep a certain amount of cash which I would do anyways. Your monthly fee is being paid by your employer. Payflex is not a cost-effective option ...
by Nate79
Fri Dec 08, 2017 8:02 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 4003

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Every time I read these threads I'm more and more happy with my Payflex HSA. No monthly fee to invest and access to Vanguard funds. Only requirement is to keep a certain amount of cash which I would do anyways.
by Nate79
Fri Dec 08, 2017 7:59 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 50
Views: 3527

Re: Call the top! - Bitcoin

5 seconds for a transaction? Samsung Pay is near instantaneous.
by Nate79
Fri Dec 08, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 69
Views: 7911

Re: Just not getting it

If your stock picking is so great why are you posting here and instead would be the richest hedge fund manager on Wall street?
by Nate79
Fri Dec 08, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 34
Views: 3542

Re: Why is Vanguard switching all accounts to brokerage accounts?

Welcome to the 21st century..... It's not the stone age anymore.
by Nate79
Fri Dec 08, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: 840 credit score Million dollar farm.. low income cannot get Heloc?
Replies: 64
Views: 4344

Re: 840 credit score Million dollar farm.. low income cannot get Heloc?

Put it another way. You are describing a person (based on the info you have provided) that is >60y old, income $50k, and is so broke doesn't have enough liquid assets to get themselves out of debt and instead needs to roll the debt to more debt? How about they work thru the debt, cut expenses, sell ...
by Nate79
Fri Dec 08, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Which is the lesser evil? (Regarding deductibles & coinsurance)
Replies: 14
Views: 534

Re: Which is the lesser evil? (Regarding deductibles & coinsurance)

QuestionEverything wrote:
Fri Dec 08, 2017 3:08 pm
Do you still have to use the money in the HSA by the end of the year?
HSA money is your property that can be used anytime after the account is open for qualified expenses. It does not need to be used up by the end of the year.
by Nate79
Fri Dec 08, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Which is the lesser evil? (Regarding deductibles & coinsurance)
Replies: 14
Views: 534

Re: Which is the lesser evil? (Regarding deductibles & coinsurance)

One thing to watch out for is that for some plans if you have a family plan, then the family deductible and out of pocket max applied for all members on the plan and individual deductible and out of pocket are not relevant. We currently have an HDHP plan like this. However, some plans each member ha...
by Nate79
Fri Dec 08, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6547

Re: Bitcoin now the largest quantifiable bubble in history?

To me the biggest misunderstanding that I see of bitcoin proponents is that understanding how it works and having a bright future somehow translates into understanding the future market price. This is the same for stock picking, that somehow fundamental analysis of a company's financials somehow giv...
by Nate79
Fri Dec 08, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Roth Conversion vs Healthcare Subsidies
Replies: 15
Views: 1110

Re: Early Retirement Roth Conversion vs Healthcare Subsidies

6 years in the future? I would monitor the situation for the next 5 years then come back and make a decision. Too many things can change.
by Nate79
Thu Dec 07, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file taxes w/o her?
Replies: 51
Views: 2883

Re: Should I file taxes w/o her?

Maybe she could pay you to do some chores around the house to even things out? Or perhaps an allowance?

Geeze.
by Nate79
Thu Dec 07, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 7196

Re: At what age your investments start making more money than you?

The beautiful thing about GAAP (or even just AAP) rules is that they are not arbitrary, but descend from rational considerations. Therefore, when people deviate from them comical consequences often ensue. Return is only return if you sell. There is no realized income if you don't sell. I suspect yo...
by Nate79
Thu Dec 07, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 7196

Re: At what age your investments start making more money than you?

mak1277 wrote:
Thu Dec 07, 2017 3:06 pm
Nate79 wrote:
Thu Dec 07, 2017 3:04 pm
I don't consider capital appreciation as investments making money. Perhaps dividends and interest.
return is return.
Return is only return if you sell. There is no realized income if you don't sell.
by Nate79
Thu Dec 07, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 7196

Re: At what age your investments start making more money than you?

I don't consider capital appreciation as investments making money. Perhaps dividends and interest.
by Nate79
Thu Dec 07, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8277

Re: Growing Number of Electric Vehicles

Let's throw some cold water on the title of this thread. The # of electric vehicles is still small potatoes, miniscule amount compared to number of gasoline/diesel vehicles sold in the US. Here is a picture of the 2017 H1 sales. All EV's combined for the 6 months was a little more than a month of t...
by Nate79
Thu Dec 07, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1709

Re: SSN on job applications

In my past experience with multiple employers your application would be discarded if you didn't include the SSN. Good luck. Never heard of such a thing. Employers (and well-trained hiring managers) spend no more than about 5 seconds scanning the meat of your resume and or application (i.e., the exp...
by Nate79
Thu Dec 07, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4143

Re: When Bitcoin blows-up

mptfan wrote:
Thu Dec 07, 2017 1:46 pm
Does anyone know where I can buy some tulip bulbs?
Easily available in any garden section of most major box stores. Now if you want to buy tulips with bitcoin, that would be a challenge.
by Nate79
Thu Dec 07, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8277

Re: Growing Number of Electric Vehicles

Let's throw some cold water on the title of this thread. The # of electric vehicles is still small potatoes, miniscule amount compared to number of gasoline/diesel vehicles sold in the US. Here is a picture of the 2017 H1 sales. All EV's combined for the 6 months was a little more than a month of th...
by Nate79
Thu Dec 07, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4143

Re: When Bitcoin blows-up

I can't imagine it having widespread impact. It has very little reach into the economy except as a speculative trading platform. The runups are getting crazier and crazier. I'm sure if/when it crashes we are going to hear a lot of stories about people who pumped all their money into this and lost it...
by Nate79
Thu Dec 07, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1709

Re: SSN on job applications

In my past experience with multiple employers your application would be discarded if you didn't include the SSN. Good luck. Never heard of such a thing. Employers (and well-trained hiring managers) spend no more than about 5 seconds scanning the meat of your resume and or application (i.e., the exp...
by Nate79
Thu Dec 07, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1709

Re: SSN on job applications

In my past experience with multiple employers your application would be discarded if you didn't include the SSN. Good luck.
by Nate79
Tue Dec 05, 2017 11:34 pm
Forum: Investing - Theory, News & General
Topic: Understanding the differences in Investing
Replies: 10
Views: 990

Re: Understanding the differences in Investing

Yes, it is not hard to find funds, sectors, asset classes that outperform in the short term. Put a chart of bitcoin up against your funds and see what real outperformace looks like. Doesn't mean it will happen in the future.
by Nate79
Tue Dec 05, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 157
Views: 13859

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

My family is more into dogs than cats. So if there is a Dogcoin I would probably be in on it. Kittencoin? Yeah, not going to happen. We just aren't cat people.