Search found 72 matches

by limeyx
Tue Dec 12, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 44
Views: 3169

Re: Vanguard Security Keys

So is my conclusion correct... a security key does not provide additional security over using security codes? Yes, this is the case and totally dumb Usually when you register a key you get a set of backup codes to save/print at home but I dont see that I have any for Vanguard These are 1-time (and ...
by limeyx
Tue Dec 12, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Time to move to a different company?
Replies: 4
Views: 747

Re: Time to move to a different company?

Shorter commute will change your life for the better in so many ways. Agreed. I could have a far wider selection of jobs if I wanted to commute 75 mins each a day but with 2 kids, I love having a 20-40 min each way commute and more time with family and less stress. If i was younger I'm sure that wo...
by limeyx
Thu Dec 07, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 163
Views: 9117

Re: Do people still use AAA?

I do still have them. Its a minimal expense and unlike dealer or credit card or insurance company provided services I know they are going to show up because their business depends on it.
by limeyx
Fri Dec 01, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5223

Re: Edward Jones trap

dm200 wrote:
Wed Nov 29, 2017 10:43 am
magicrat wrote:
Wed Nov 29, 2017 10:41 am
Stay out of it unless they ask you for advice. Not your life, not your problem.
I agree.

You cannot "win"
Agreed. My neighbor did the same and I just smiled and said "Thats awesome that you are happier than with the other guy you hated"
by limeyx
Fri Nov 10, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2847

Re: Home backup generator experiences

Lots of comments related to costs of propane vs gasoline. How about NG vs the others? What would be a ballpark figure for daily use for a 20 kW natural gas generator? For me it's not the cost but ease of storage...storing propane is super easy and we need it a max of 4 or so times a year I'd kind o...
by limeyx
Thu Nov 02, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Parked Car Hit and Need Advice
Replies: 16
Views: 2133

Re: Parked Car Hit and Need Advice

I think new cars attract damage! My new vehicle that I purchased in January has already had windshield replaced, hail damage, & most recently hit and run parking lot damage. Report it to your insurance company, they may file it under uninsured motorists coverage which typically has a lower deductib...
by limeyx
Sun Oct 15, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 37
Views: 3480

Re: New mattress

We got a Tuft&Needle
Bought online. Dead easy

No more back pain.
Best mattress I've owned

Only issue is its not as tall as what we replaced so we needed a taller box spring
by limeyx
Thu Oct 12, 2017 4:51 pm
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?

rare_pepe wrote:
Sat Apr 15, 2017 9:50 am
I have made the move and invested in VTSMX. Thanks everyone for the words of advice and encouragement. This really is a great forum, excited to be a part of it.
Seems like a decent idea given the price on 4/15 was $53.24 and now its 63.94 :)
Of course who knows what it will be tomorrow
by limeyx
Thu Oct 12, 2017 2:00 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 10822

Re: 2018 ACA costs arrived

MP123 wrote:
Tue Oct 10, 2017 11:53 am
I got notice from Regence that they will no longer offer insurance in our area. So will have to look for a new policy Nov. 1 There aren't many insurers left either on or off the exchange where we live.
Regence was up ~25% for us! (Seattle area)
by limeyx
Thu Oct 12, 2017 1:57 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 10822

Re: 2018 ACA costs arrived

I just received my 2018 cost estimates from Kaiser. For an unsubsidized bronze HSA plan - single male 61yo the insurance will be $700.42/month which is a 9.4% increase. Not too bad I suppose. Anyone else have a data point? My employer plan went up 25% Employer says they absorbed 15% leaving me 10% ...
by limeyx
Sun Oct 08, 2017 2:50 am
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 14
Views: 1269

Re: Washington GET 529 Reopened: Good deal?

We dont so far plan to do it as I think there is a good chance our kids will go out of state (especially since i want them to go somewhere warmer so i can visit to escape winter) The deal doesn't seem so good if your kid goes out of state why does it matter where your kids go to school? There are m...
by limeyx
Fri Oct 06, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 14
Views: 1269

Re: Washington GET 529 Reopened: Good deal?

We dont so far plan to do it as I think there is a good chance our kids will go out of state (especially since i want them to go somewhere warmer so i can visit to escape winter)

The deal doesn't seem so good if your kid goes out of state
by limeyx
Thu Oct 05, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 373
Views: 51804

Re: Retirement Account Stolen by Identity theft

I was just going to start a new thread about something similar. Clark Howard has opined that the Equifax breach now opens up the possibility of easy and routine theft of retirement and investment accounts, since essentially all personal information used to verify identity is now in the hands of cro...
by limeyx
Thu Oct 05, 2017 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Switching from High Deductible Plan when planning children
Replies: 15
Views: 1614

Re: Switching from High Deductible Plan when planning children

The hospital bill when my daughter was born was over $50k for a totally normal birth with no complications. Would definitely recommend switching away from a HDHP if they are planning to have a child next year. Yeah, we maxed out the plan this year when our second (and final) was born. Took the $500...
by limeyx
Fri Sep 29, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 27
Views: 2693

Re: Getting father-in-law off of UBS & its 1.5% AUM fee

That fee seems quite high for a fully managed relationship. Most people on this website don't understand advisory fees very well particularly for 7+ figure accounts. The expense ratio for investments is also how large wire houses get paid for a variety of ancillary work that comes with the fund exp...
by limeyx
Thu Sep 28, 2017 12:52 am
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4786

Re: $700 to install a dishwasher seem by a plumber?!

And like someone else said...they dont want the job. They jacked the price up so high that if you agree then they will do the work because there is no way they would pass up that much money for such a simple job that will take 30 minutes. This sound borderline unethical, i.e way overcharging someon...
by limeyx
Wed Sep 27, 2017 1:07 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 64
Views: 14778

Re: Alternative to Google Finance?

remomnyc wrote:
Tue Sep 26, 2017 1:54 pm
I can track all my holdings in Vanguard, even if they are not housed there.
Yup, I have been doing this too. Kind of painful to update the quantities but doable
by limeyx
Tue Sep 26, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 15374

Re: Bay Area Real Estate

randomizer wrote:
Tue Sep 26, 2017 12:25 pm
Don't buy, run. I mean rent.
Runt?
by limeyx
Mon Sep 25, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12327

Re: Lifestyle Creep

I also bought more expensive Indoor and outdoor furnitures. In the past, I spent $300-$500 for outdoor furnitures, now it's more than $2000-$3000. Same with mattresses, I bought two very expensive mattresses, top of the line, because I figure sleep is important. I won't mention the price, because i...
by limeyx
Fri Sep 22, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: 1099 employees how do you mentally handle taking time off?
Replies: 25
Views: 1469

Re: 1099 employees how do you mentally handle taking time off?

Shackleton wrote:
Fri Sep 22, 2017 7:51 am
When I was 1099, I calculated time off into my bill rate so that I knew I'd be able to take the time and still meet my financial goals.
Yup same way.
by limeyx
Tue Sep 19, 2017 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: 5-6 wks. for IRA transfer, (expletive deleted)
Replies: 10
Views: 1299

Re: 5-6 wks. for IRA transfer, (expletive deleted)

Not sure what you will experience but I just did two (cash) IRA transfers to Vanguard and got the same advice. Both were completed to the point I could re-invest funds in about 2 weeks Still ludicrously slow (and I did go online to the source broker and moan to them .. not sure if it helped) but fas...
by limeyx
Tue Sep 19, 2017 2:53 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 13142

Re: Any "average Joe" here actually make out well with individual stocks?

Currently sitting on about $38K of Apple, Facebook and Google left over from my advisor days
Seriously considering selling (Gain of around $8K) but it wont hit long term gains until Jan 2018 so I am still dithering over it
by limeyx
Tue Sep 19, 2017 12:12 am
Forum: Personal Consumer Issues
Topic: Comforter: Down Filling with Cotton Covering
Replies: 12
Views: 1535

Re: Comforter: Down Filling with Cotton Covering

I need a new comforter, since mine has seen better days. I need comforter with down filling and with cotton covering. Can anyone recommend a comforter that meets that criteria, or steer me to a website/store that would carry a comforter with down filling and with cotton covering. I'm not sure what ...
by limeyx
Tue Sep 19, 2017 12:03 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 665
Views: 112340

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Some have reported success with retention bonuses, I don't recall whether Merrill was one. You can ask. I'd frame it as, "I really like it here, but I saw this offer and it's really tempting. Anything you can do?" I was able to get 50 free trades @ Schwab via online chat by mentioning the free sign...
by limeyx
Fri Sep 15, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 7315

Re: Distressing news -> Flight to Safety ?

If you truly believe a storm is coming, exchanging out of TBM into treasuries is a bit like adding plywood cladding to your underground bunker, while leaving your glass windows open. Maybe we should move the money to the newly-opened Vanugard "Total North Korea" index fund guaranteed low ER but you...
by limeyx
Thu Sep 14, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Will / Trust attorney fees -- how much? (quoted $2000-3000)
Replies: 35
Views: 4066

Re: Will / Trust attorney fees -- how much? (quoted $2000-3000)

... Our trust in Seattle was 3x the cost of LA (admittedly I was single in LA and we got a more comprehensive product here) It would cost more if you were married and presumably had more assets and possibly had or were considering having children. Why "Our trust in Seattle"? While revocable trusts ...
by limeyx
Thu Sep 14, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: K-1's and taxes
Replies: 10
Views: 693

Re: K-1's and taxes

I'm a CPA at a local tax firm and these silly investments are a tax reporting nightmare. Many of the larger ones will not get their K-1's out in time for an April 15 filing. We tell many clients to avoid them. Yes, this has been the case for me now for many years. Finally liquidated every K-1 beari...
by limeyx
Sat Aug 26, 2017 1:56 am
Forum: Personal Consumer Issues
Topic: SUV thread (with a twist)
Replies: 44
Views: 4525

Re: SUV thread (with a twist)

Going to be using the boglehead email method to get the best low price on a 2017 Highlander plus. Hoping to spend 35k. Little painful but we are in good shape and will put a lot of miles on it. Mileage not a huge concern as we save by commuting together daily. Please PM me any possible out the door...
by limeyx
Thu Aug 24, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 78
Views: 15193

Re: Medallion Signature Guarantee

I most emphatically would not do business with a company that requires a signature guarantee - even VG. The US Treasury required a medallion guarantee when I redeemed paper savings bonds. Jeff Ouch, I have some paper I-bonds although I won't be cashing them in for 17 more years or so. Can your prov...
by limeyx
Thu Aug 24, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 78
Views: 15193

Re: Medallion Signature Guarantee

When I transferred to VG - I specifically asked them if they ever required a signature guarantee to transfer securities out OR for any other reason. I checked that fact 3 times and they affirmed each time that they did NOT require one. So, either they changed their policy OR they have given you mis...
by limeyx
Thu Aug 24, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 4816

Re: Exhaust Fan for the bathroom

In several of our bathrooms, I've installed simple timer switch on the fans. That allows the fan to be run for 5-30 min, as the user selects. Much better than shutting the fan off when it should still be run or leaving it on indefinitely. This is an important point. Perhaps your problem is caused b...
by limeyx
Thu Aug 24, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 4816

Re: Exhaust Fan for the bathroom

I always went for the noisiest fan. There are times you want a constant drone to block out an occasional outburst. :idea: :P +1 This is an important consideration depending on other factors like location of bathroom. I think the phrase "occasional outburst" is an exceptionally intelligent and creat...
by limeyx
Thu Aug 24, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 4816

Re: Exhaust Fan for the bathroom

I am not so happy with our Home Depot "own brand?" fans we installed (Hampton Bay) and are not so happy.

They were advertised as being very quiet but are actually quite loud.

At least no need for courtesy flushing to avoid fart noises though I guess ...
by limeyx
Wed Aug 23, 2017 1:24 am
Forum: Investing - Theory, News & General
Topic: Case for Investing at Peaks
Replies: 29
Views: 3794

Re: Case for Investing at Peaks

I'm really hoping "Invest when you have the money" (and stay invested) works because I just deployed a bunch from some alternate investments into mutual funds and I'm rather hoping to do all right with it
by limeyx
Wed Aug 16, 2017 1:43 am
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 30
Views: 6498

Re: Market timing alert !!

FIREchief wrote:
Wed Aug 16, 2017 12:53 am
Sweet!! Five responses and not a serious one in the bunch! 8-)

(apologies to S17C, that may have been a sincere response)
Well, I need to buy quite a bit in the next couple of days so entire market is sure to drop 18% the day after if anyone needs to buy anything
by limeyx
Wed Aug 09, 2017 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 18558

Re: Life at crossroads. What would you do ?

What exactly is old tech? In the Bay Area, that means almost anything that people were doing in tech 10+ years ago. :( Yeah but I do think its possible to re-invent yourself although you may need to do so at the larger companies (as stated by the OP) Look at the guys running Azure and AWS ... many ...
by limeyx
Mon Aug 07, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much do kids cost in a high COLA?
Replies: 57
Views: 4279

Re: How much do kids cost in a high COLA?

I think $200/month for diapers, etc. sounds reasonable. Add the cost of daycare and medical insurance and babysitting. Clothes and toys and books can be cheap. You'll need a car seat and a stroller and a bouncer and a swing. As a single parent, it is going to be really, really hard. You will at min...
by limeyx
Mon Aug 07, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: How much do kids cost in a high COLA?
Replies: 57
Views: 4279

Re: How much do kids cost in a high COLA?

My kids have very involved grandparents who are able to step in at these times, but I have no idea what I would do without them. I can say as a physician married to a physician this is the no. 1 biggest difficulty in our lives we have now and going forward. Making money is easy compared to the tech...
by limeyx
Wed Aug 02, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Will / Trust attorney fees -- how much? (quoted $2000-3000)
Replies: 35
Views: 4066

Re: Will / Trust attorney fees -- how much? (quoted $2000-3000)

... These fees are possibly very regional too. The price we had to pay in Seattle was significantly higher than that of LA, I think due to the probate law costs being much higher in LA so everyone has a trust whereas here it's less common It's usually the other way around. Billing rates are higher ...
by limeyx
Tue Aug 01, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Will / Trust attorney fees -- how much? (quoted $2000-3000)
Replies: 35
Views: 4066

Re: Will / Trust attorney fees -- how much? (quoted $2000-3000)

I would forget about using an attorney through this plan and seek out an experienced trusts and estates attorney. Gill I agree with this These fees are possibly very regional too. The price we had to pay in Seattle was significantly higher than that of LA, I think due to the probate law costs being...
by limeyx
Tue Aug 01, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: The age old debate 30 vs 15 [year mortgage rate]
Replies: 41
Views: 5233

Re: The age old debate 30 vs 15 [year mortgage rate]

Maybe do a 5 or 7 year ARM? I'll second the idea of the 5-7 year ARM. Yeah I'd say definitely look at a 5-7 year ARM if you have an almost certain chance of needing to move again...the payment should be significantly lower ARM rates have been going up for a while. According to a quick look at Bankr...
by limeyx
Tue Aug 01, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: The age old debate 30 vs 15 [year mortgage rate]
Replies: 41
Views: 5233

Re: The age old debate 30 vs 15

Yeah I'd say definitely look at a 5-7 year ARM if you have an almost certain chance of needing to move again...the payment should be significantly lower Survey of 1, but at the credit union where I've gotten all of my loans, ALL of the ARM loans have a significantly higher initial rate than ALL of ...
by limeyx
Tue Aug 01, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to sell non-whole ETF unit
Replies: 7
Views: 389

Re: How to sell non-whole ETF unit

Sell 10 shares. The remaining fractional share will be sold. Most brokers do it this way. See the web site which I understand is very good. Interestingly E*Trade did NOT do this to me. Now I have about 10 individual stocks with fractions of shares in them. I keep them around mostly because they are...
by limeyx
Tue Aug 01, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Rent vs sell condo with big capital gain
Replies: 17
Views: 1807

Re: Rent vs sell condo with big capital gain

I would sell and call it good. A big capital gains tax means you made big money. That's not necessarily a bad thing, IMO. As you said, we can't predict housing prices. A bird in the hand, and all that... I followed this advice. Didn't want to be a landlord. Dealing with HOA is a pain as well. I pre...
by limeyx
Mon Jul 31, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: The age old debate 30 vs 15 [year mortgage rate]
Replies: 41
Views: 5233

Re: The age old debate 30 vs 15

Yeah I'd say definitely look at a 5-7 year ARM if you have an almost certain chance of needing to move again...the payment should be significantly lower
by limeyx
Sun Jul 30, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 47
Views: 4901

Re: Comcast - lease modem/router or buy?

It works fine until Comcast pulls the scam where they send you a letter stating that they'd been "forgetting" to charge you for the modem rental and will start with the next bill. Yeah I got a mysterious $9.99/mo fee added right after this ... PLUS they did not stop charging for the modem. Few phon...
by limeyx
Sat Jul 29, 2017 1:36 am
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4788

Re: Wooden flooring in kitchen

Working great for us so far. Love it
by limeyx
Fri Jul 28, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 75
Views: 5782

Re: 2018 Subaru Outback

You might want to change the title of your post because right now only people who know something about or are really interested in Subaru Outbacks are probably reading it. Why isn't the Toyota Highlander Hybrid on your list? Little bigger than what you've listed, but I think you'll find the third-r...
by limeyx
Thu Jul 27, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 130
Views: 30870

Re: What you wish you had known entering your late 20's

- Invest in index funds
- You dont need a financial adviser
- Take risks in your 20s because you might not be able in your 40s (I often regret not starting a business)
- Buy & hold. And hold
by limeyx
Thu Jul 27, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Lazy Investor Seeks Lazy Grass Watering System
Replies: 18
Views: 1795

Re: Lazy Investor Seeks Lazy Grass Watering System

Try a "traveling sprinkler" https://www.amazon.com/Orbit-58322-Traveling-Sprinkler/dp/B000NJPUHG/ref=sr_1_2?ie=UTF8&qid=1501165535&sr=8-2&keywords=traveling+sprinkler I didn't even know these things existed; I will have to take a look. It looks like something that could work for us. For me 3x7' len...