Search found 254 matches

by rebellovw
Thu Jan 11, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 316
Views: 23533

Re: What frugal thing did you do today?

Why didn't I think of this?

http://fortune.com/2018/01/11/woman-ret ... tmas-tree/

I just put mine out on the curb to be picked up - I should have returned it!

:D
by rebellovw
Wed Jan 10, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Fidelity Account - FSTVX vs ITOT
Replies: 53
Views: 3503

Re: Taxable Fidelity Account - FSTVX vs ITOT

Thanks OP for the thread - I was heading in the same direction as you with FSTVX in both of my taxable accounts (and didn't realize the taxable issues) - today I made the switch - all future investments into ITOT.
by rebellovw
Wed Jan 10, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Fidelity Account - FSTVX vs ITOT
Replies: 53
Views: 3503

Re: Taxable Fidelity Account - FSTVX vs ITOT

I read in another thread that you can transfer like for like to vanguard - is that possible? Any taxable event triggered? Though I can't see how this couldn't be a taxable event. transferring in kind to vanguard is possible and is not a taxable event; but that is different from holding a vanguard m...
by rebellovw
Wed Jan 10, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Fidelity Account - FSTVX vs ITOT
Replies: 53
Views: 3503

Re: Taxable Fidelity Account - FSTVX vs ITOT

I read in another thread that you can transfer like for like to vanguard - is that possible? Any taxable event triggered?

Though I can't see how this couldn't be a taxable event.
by rebellovw
Tue Jan 09, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Fidelity Account - FSTVX vs ITOT
Replies: 53
Views: 3503

Re: Taxable Fidelity Account - FSTVX vs ITOT

I also have FSTVX in taxable along with a small amount of VTI and VOO. Wouldn't it be a wash going to VTI or ITOT? It might be slightly less - I'm not sure how much - but with VTI/VOO - you get quarterly dividends and with FSTVX you get bi-yearly. I did see some capital gains from FSTVX that I didn'...
by rebellovw
Fri Jan 05, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 316
Views: 23533

Re: What frugal thing did you do today?

I read fairly fast. So I returned the books that I got from Amazon the other day for free returns. Don't bend the spine or crinkle the pages. Return as received in brand new condition. Most books are not worth keeping unless reference or something to gift or pass on. I don't know if others do this....
by rebellovw
Fri Jan 05, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 316
Views: 23533

Re: What frugal thing did you do today?

While in the laundromat I noticed a woman putting her clothes in a dryer. On the phone she told a friend she would be right over. A half hour walk was no problem. So I opened her dryer + threw my clothes in with hers. Got dryed for free. She never knew. Nice except when you get busted for messing w...
by rebellovw
Thu Jan 04, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 316
Views: 23533

Re: What frugal thing did you do today?

Since today isnt' over - I'll cover yesterday: Obtained a library card and checked out book - free While at the library - avoided the local donut shop - very tough - no money spent Eat lunch at home - no money spent. We are looking good so far... Then bought a damn dominos pizza for 20.00 - blew it ...
by rebellovw
Thu Jan 04, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: DOW breaks 25,000 for first time ever
Replies: 55
Views: 5541

Re: DOW breaks 25,000 for first time ever

I remember when it was at 10k for the longest time.
by rebellovw
Fri Dec 15, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Just not getting it [Stock Picking versus TSM]
Replies: 98
Views: 14241

Re: Just not getting it

20 years ago you could have come up with a similar list of tech stocks (AOL, CPQ, DELL, GTW, HWP, LSOS, SGI, YHOO, XCIT) that had also far outperformed the market and were expected to keep going up forever. Until they didn't. Check out the Nifty Fifty stocks from the 1960's. Some are still doing we...
by rebellovw
Thu Dec 14, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Clarification of index "trust" funds in 401k
Replies: 11
Views: 1081

Re: Clarification of index "trust" funds in 401k

Thanks Alex - that is very helpful.
by rebellovw
Thu Dec 14, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Clarification of index "trust" funds in 401k
Replies: 11
Views: 1081

Re: Clarification of index "trust" funds in 401k

When this happens - does it disrupt dividends? I swear I haven't seen my monthly bond dividend because of this abrupt change. These things don't pay dividends and that is just fine. Funds continuously reinvest dividends and coupons back into the fund and that is reflected in the NAV. Mutual funds p...
by rebellovw
Thu Dec 14, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Clarification of index "trust" funds in 401k
Replies: 11
Views: 1081

Re: Clarification of index "trust" funds in 401k

I have the same issue - and it is frustrating. My 401K with Fidelity - I had VIIIX - and they switched it to the VG 500 Trust - without any index label - just some weird number 602... and as a result the Fidelity AA tools do not work. They show a huge portion of my portfolio 'unknown'. I guess I hav...
by rebellovw
Tue Nov 21, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Anyone "re-door" their kitchen cabinets?
Replies: 13
Views: 1606

Re: Anyone "re-door" their kitchen cabinets?

We did that years ago - came out great. We used a company called KitchenWorks - they veneered the old cubbards - and replaced all the doors. Really pleased. I wouldn't repaint - that would look strange. In our case the new heavy wood doors matched the base perfectly - ended up looking like new cabin...
by rebellovw
Tue Nov 14, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 35
Views: 2944

Re: places to live near Stanford University

You have my condolences.
by rebellovw
Mon Nov 13, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1717

Re: Anyone Tried Soylent?

Green is mighty tasty
by rebellovw
Thu Nov 09, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 5151

Re: Worth changing 40 gal. to 30gal. hot water tank?

We just replaced ours about a month ago - same size. The new one seems like a real beast and has great reviews - AO Smith. It has a sacrificial rod that can be replaced I believe every year - I'm going to try to do that myself -hopefully extend the life of it.
by rebellovw
Fri Nov 03, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock HELP NEEDED
Replies: 12
Views: 809

Re: Restricted Stock HELP NEEDED

When I get RSUs - I immediately sell and then buy an Index fund with the proceeds to replace them. I also have lots of company stock from being in the ESPP program for several years - but going forward as I get the stock I replace with an index fund (ex Total Stock Market) which is in my plan. I wou...
by rebellovw
Fri Nov 03, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: How much to spend for bathroom remodel with these features in LCOL area
Replies: 27
Views: 1834

Re: How much to spend for bathroom remodel with these features in LCOL area

I saved money on a bathroom remodel some years back by: Gutting the room myself. Anyone should be able to do. I installed the cement board on the floor for the new tile - I did that myself - but probably better to have a tile pro do it as they will cement it in vs what I did - screwing it down - it...
by rebellovw
Fri Nov 03, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: How much to spend for bathroom remodel with these features in LCOL area
Replies: 27
Views: 1834

Re: How much to spend for bathroom remodel with these features in LCOL area

I saved money on a bathroom remodel some years back by: Gutting the room myself. Anyone should be able to do. I installed the cement board on the floor for the new tile - I did that myself - but probably better to have a tile pro do it as they will cement it in vs what I did - screwing it down - it ...
by rebellovw
Fri Nov 03, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: "Best" Online Degree if already a college graduate
Replies: 120
Views: 15334

Re: "Best" Online Degree if already a college graduate

As has already been said, a Univ of Phoenix degree, and others like it, is a negative and resumes go right in the trash for me. For an online or partial online from a state or established school, I could care less if it was online or not. But, there are some schools I know are almost entirely onlin...
by rebellovw
Thu Nov 02, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: What Type of Account to Save for Kid's 1st Car?
Replies: 29
Views: 1358

Re: What Type of Account to Save for Kid's 1st Car?

Not to be a downer - but the kids are at that magic age where you would want to buy their future car. Wait till the teenage years. I was a car fanatic as a teenager - but the world was more favorable then - we could get away with murder. We used to sit in our cars drinking beer and not be afraid. An...
by rebellovw
Wed Nov 01, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 53
Views: 3838

Re: Car battery?

I used to swear by first interstate batteries as I've had great luck with them. I was first told about them buy a AAA tow truck driver. Now all batteries (from my talk at Big O and O'Reily) are all made by Johnson Controls - so brand really doesn't matter any longer. I disconnect my car battery that...
by rebellovw
Wed Nov 01, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Robot vacuum for pet hair and hardwood floor
Replies: 21
Views: 1494

Re: Robot vacuum for pet hair and hardwood floor

Just picked up the Roomba 665 about a week ago,set it to run daily, Superb performance in all features,cleaning,power,etc,,,would purchase again in a heartbeat Great Price Point. :happy https://www.samsclub.com/sams/roomba-665-vacuuming-robot/prod20190841.ip Looking forward to a 1 year review! Part...
by rebellovw
Wed Nov 01, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Pay off boat or invest the money?
Replies: 4
Views: 536

Re: Pay off boat or invest the money?

Seems to me -like any luxury item - you want it paid off and absorbed right away. I think the only debt that is acceptable here is a home mortgage.
by rebellovw
Wed Nov 01, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Robot vacuum for pet hair and hardwood floor
Replies: 21
Views: 1494

Re: Robot vacuum for pet hair and hardwood floor

I had a roomba, but I stopped using it as was super noisy. I work from home a lot, so it was very annoying. It also took an hour to clean what took me 5 mins to vacuum. Get a broom for hair. You could probably use the exercise :mrgreen: An hour to clean the bot? Takes me probably 15 minutes tops - ...
by rebellovw
Wed Nov 01, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Electric fireplace
Replies: 13
Views: 1212

Re: Electric fireplace

I can't imagine having a fake one. I grew up with a fake on in the 70's - a giant black triangular contraption with a plastic log - in an apartment. As a kid I liked it.

Get a lava lamp - cheap and adds cool lighting. Candles are also nice.
by rebellovw
Tue Oct 31, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: "Best" Online Degree if already a college graduate
Replies: 120
Views: 15334

Re: "Best" Online Degree if already a college graduate

As has already been said, a Univ of Phoenix degree, and others like it, is a negative and resumes go right in the trash for me. For an online or partial online from a state or established school, I could care less if it was online or not. But, there are some schools I know are almost entirely onlin...
by rebellovw
Tue Oct 31, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Robot vacuum for pet hair and hardwood floor
Replies: 21
Views: 1494

Re: Robot vacuum for pet hair and hardwood floor

I had a roomba, but I stopped using it as was super noisy. I work from home a lot, so it was very annoying. It also took an hour to clean what took me 5 mins to vacuum. Get a broom for hair. You could probably use the exercise :mrgreen: An hour to clean the bot? Takes me probably 15 minutes tops - ...
by rebellovw
Tue Oct 31, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Robot vacuum for pet hair and hardwood floor
Replies: 21
Views: 1494

Re: Robot vacuum for pet hair and hardwood floor

I've posted a bunch in that other BH thread. I have a Neato D5 - based on the app - it has covered just shy of 200K sq feet since we have had it. Hardwood floors, two 100lb dogs and one black cat. Runs 5 days a week. If you can get your house picked up and all the 'trips' fixed - it will run pretty ...
by rebellovw
Tue Oct 31, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: MacBook Maintenance/Improvement - Running Slow
Replies: 16
Views: 1172

Re: MacBook Maintenance/Improvement - Running Slow

bagle wrote:
Tue Oct 31, 2017 11:58 am
My mid-2012 MacBook Pro with 4 GB of RAM began slowing down a couple of years ago. I replaced the 500 GB hard drive with a Crucial 750 GB solid state drive (SSD), and it's been much faster ever since.
I gotta do that too - that will give even more life to my old Mac.
by rebellovw
Tue Oct 31, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: MacBook Maintenance/Improvement - Running Slow
Replies: 16
Views: 1172

Re: MacBook Maintenance/Improvement - Running Slow

Based on the top, it looks like your Mac has 4 gigs of RAM. CPU was mostly idle (good, but doesn’t solve your problem). I recommend 8 gigs of RAM. But since that requires money to fix let’s try everything else first. 1) Reboot 2) Run with as few applications as possible. Not using that excel spread...
by rebellovw
Tue Oct 31, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 6380

Re: Non Stick frying pan

Get yourself a good cast iron pan, use a little oil and it's totally non stick even with eggs. Iron is better for you than aluminum as well. Lodge is common, here is the fancy brand http://www.stargazercastiron.com/ Is this really true? do cast iron pans really not stick with just some spray oil on...
by rebellovw
Tue Oct 31, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: MacBook Maintenance/Improvement - Running Slow
Replies: 16
Views: 1172

Re: MacBook Maintenance/Improvement - Running Slow

When my old Mac does this - I open a cmd tool/console (unix command line) - and simply type 'top' Then look at the top list of high CPU processes and google each of them - you might find something running or enabled that is causing your issue. I tried this and got this result and don't know how to ...
by rebellovw
Mon Oct 30, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Portugal Trip, any suggestions?
Replies: 38
Views: 2342

Re: Portugal Trip, any suggestions?

We went about a year/2 ago - spent half the time in lisboa and the rest in Cascais. I highly recommend Cascais.
by rebellovw
Mon Oct 30, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: MacBook Maintenance/Improvement - Running Slow
Replies: 16
Views: 1172

Re: MacBook Maintenance/Improvement - Running Slow

When my old Mac does this - I open a cmd tool/console (unix command line) - and simply type 'top'

Then look at the top list of high CPU processes and google each of them - you might find something running or enabled that is causing your issue.
by rebellovw
Sun Oct 29, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 10176

Re: we bought a house - are we housepoor now?

Image

Hhaahaa. Enjoy the new house - we were house poor the longest time - but did well when we sold.
by rebellovw
Sun Oct 29, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 10176

Re: we bought a house - are we housepoor now?

If you were in CA - the property taxes on a 900K house would be crazy- and you would likely be house poor.
by rebellovw
Sun Oct 29, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically
Replies: 23
Views: 2802

Re: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically

You clearly need to reduce stock exposure in order to sleep well at night, but beware of doing things "drastically". Set a new target AA, like 60:40, and direct new contributions to bonds until you get there. Will take a couple years (less if market heads south). When you get there, re-evaluate. Pe...
by rebellovw
Sun Oct 29, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically
Replies: 23
Views: 2802

Re: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically

I'm not an expert and a newbie - when I hit that I went to 60/40 - from around 25% in bonds.
by rebellovw
Sat Oct 28, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 13451

Re: Request for Promotion letter to Senior Management

I wouldn't do it. I had many little promotions - but the big ones came when I had another offer. I'd also be very embarrassed should nothing come of sending the letter.
by rebellovw
Sat Oct 28, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Repair (new engine) 2005 Mazda 3?
Replies: 26
Views: 1418

Re: Repair (new engine) 2005 Mazda 3?

I recall reading this thread about carmax buying your car (seemed like a good experience) - let them deal with it. Or trade it at a dealership like others have mentioned.

viewtopic.php?t=207768
by rebellovw
Sat Oct 28, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Repair (new engine) 2005 Mazda 3?
Replies: 26
Views: 1418

Re: Repair (new engine) 2005 Mazda 3?

I would favor a re-manufactured engine over a rebuilt one depending upon the price difference and how long you want to keep the car. A rebuilt motor only replaces defective parts. http://reman-engine-dcvamd.com/remanufactured-vs-rebuilt-and-new.html That is complete BS, any rebuilt motor goes throu...
by rebellovw
Sat Oct 28, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: we're going to get hit with taxes next year, help please
Replies: 21
Views: 2408

Re: we're going to get hit with taxes next year, help please

We are going to get hit hard as well. Last year we owed 10K. This year we had a gain from selling property.

I'm making quarterly IRS payments - that should make a difference - but I'll likely still owe about 10K - so all I can do is save away for it.
by rebellovw
Sat Oct 28, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: My fear about buying a house justified?
Replies: 72
Views: 6622

Re: My fear about buying a house justified?

That is pretty much all personal opinion. Some people are fine living in condos (I have spend a decade in them and I have never heard my neighbors. ) and don't want yards. Others do. And without knowing the person you have to way of judging if you have moved the person from a 10 min commute to a 60...
by rebellovw
Fri Oct 27, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Repair (new engine) 2005 Mazda 3?
Replies: 26
Views: 1418

Re: Repair (new engine) 2005 Mazda 3?

If you really like the car and understand that the reason was legit and avoidable - then perhaps. I drove the heck out of a street race VW and had to replace the motor. I think to more forward you first have to find a good replacement long block (complete motor) which is new/quality rebuilt. Find th...
by rebellovw
Fri Oct 27, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Repair (new engine) 2005 Mazda 3?
Replies: 26
Views: 1418

Re: Repair (new engine) 2005 Mazda 3?

Junk it - bad engine after 70K miles? Any idea on what 'bad' is? Head? Pistons? crank? block? How did it go bad? 70K is pretty low these days. Not to be funny - but a 'bad engine' is not what you want to hear when you go to the mech. Like going to the doctor and he/she saying - you got a bad body.
by rebellovw
Fri Oct 27, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 3329

Re: dishwasher recommendations

My favorite have been Kenmore - I've had two. least favorite was Bosch - too small for our household.

We have a GE now - came with house - it is OK - but we really have to rinse dishes well.
by rebellovw
Fri Oct 27, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: My fear about buying a house justified?
Replies: 72
Views: 6622

Re: My fear about buying a house justified?

That is pretty much all personal opinion. Some people are fine living in condos (I have spend a decade in them and I have never heard my neighbors. ) and don't want yards. Others do. And without knowing the person you have to way of judging if you have moved the person from a 10 min commute to a 60...
by rebellovw
Fri Oct 27, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Storing of important Information - account numbers, SSN, etc...
Replies: 21
Views: 1178

Re: Storing of important Information - account numbers, SSN, etc...

Perhaps a USB that is kept hidden away. What happens when you forget where you hid the flash drive? It is definitely an inconvenience doing all of this. Ex - I like waking up in the morning and logging into Fidelity with my phone via their app - but I'll have to give that up. Logging in will be mor...