Search found 82 matches

by cutehumor
Thu Jun 07, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Paper tax return filed at deadline - still no refund 7 weeks later
Replies: 25
Views: 1912

Re: Paper tax return filed at deadline - still no refund 7 weeks later

This happened to me a few years ago. I forgot to get my wife to sign the paper tax return. it was mailed back to me. I noticed it went from Kansas city to California then back to me. They had two sets of eyes look over the entire return.
by cutehumor
Thu Jun 07, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5146

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

If the a/c unit is frozen, it's either an air filter issue or you have a freon leak. Since you have changed the filters, it's a freon leak somewhere in the system. I had a freon leak a few years ago, it was coming from the compressor line. The warranty should take care of it, since it's 1 year old.
by cutehumor
Thu Jun 07, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Mea culpa - market-timing with REITs - what to do now?
Replies: 25
Views: 2814

Re: Mea culpa - market-timing with REITs - what to do now?

I notice REITS are making a slight comeback lately, when all the trade war speculation and volatility in the market. Supposedly, REITS are acting like bonds now since interest rates affect both.
by cutehumor
Tue May 15, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do I tell Social Security I retired?
Replies: 32
Views: 4081

Re: Do I tell Social Security I retired?

one time I got a letter from social security asking if my income was correct. It was my earnings history. I quit working to go back to school for almost three years. so, they know when you stop paying into social security.
by cutehumor
Mon Apr 23, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: In-laws financial advisor rip off
Replies: 35
Views: 4244

Re: In-laws financial advisor rip off

OP,

stay out of your in-laws financial matters. I know you want to protect them, but there is nothing you can do. I know my in laws see a Raymond James advisor for over 30 years, so I know the feeling.
by cutehumor
Fri Apr 20, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on my taxes
Replies: 3
Views: 718

Re: Sanity check on my taxes

a traditional IRA contribution of 11k for him and his wife can bring $2750 refund, if he's in the 25 percent tax bracket, and did not contribute much to his 401k
by cutehumor
Wed Apr 18, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3576

Re: Broke up with my girlfriend for financial reasons: crazy?

Op,

You got out in Time! She wanted a sugar daddy. Someone who will be a provider. If you married, she would quit her job and live off your 260k salary
by cutehumor
Mon Mar 19, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I continue to participate in my Megacorp ESPP?
Replies: 12
Views: 1400

Re: Should I continue to participate in my Megacorp ESPP?

I sold my megacorp ESPP last year. I owned it for less than a year, which was disqualifying. I have 15% discount with 6 month look back provision. I can contribute 10% of my salary. I only sold 26 shares. I made $1300 bucks profit, which was reported on my w2 form. I used turbotax 2017 premier. I pa...
by cutehumor
Sun Mar 18, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 17202

Re: Bought house six months ago - now feeling like we're treading water and can't save money

OP, Who will watch the baby? daycare? I pay 1165 per month for my 3 year old son. 13,980 per year. So, either your wife will cut down on her income/job to watch the baby at home. or you pay daycare or you have a family member to watch your baby for free? My wife watches the baby. She was only makin...
by cutehumor
Sun Mar 18, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 17202

Re: Bought house six months ago - now feeling like we're treading water and can't save money

OP,

Who will watch the baby? daycare? I pay 1165 per month for my 3 year old son. 13,980 per year. So, either your wife will cut down on her income/job to watch the baby at home. or you pay daycare or you have a family member to watch your baby for free?
by cutehumor
Wed Feb 21, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: 403b plan forcing me from Vanguard to Fidelity!!
Replies: 9
Views: 761

Re: 403b plan forcing me from Vanguard to Fidelity!!

After 6 lovely years at Vanguard I just got an email that we're being forced over to Fidelity. My previous investments were: A total US bond index fund VBMFX (0.15%) A total US stock index fund VTSMX (0.15%) A total international stock index fund VGTSX (0.18%) My new options are as follows: https:/...
by cutehumor
Sun Feb 11, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help Sell FIRE to spouse
Replies: 31
Views: 3857

Re: Help Sell FIRE to spouse

I have a simple exercise that can help to save you money on useless FAs. Ask your wife the following questions: 1) If we had $2M, would you feel comfortable? If no: 2) If we had $20M, would you feel comfortable? If no: 3) If we had $200B, would you feel comfortable? If no: Retire yourself and let y...
by cutehumor
Fri Feb 09, 2018 5:26 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 15152

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I'm 40. I'm at 100% stock (60 US/40 International). I'm weird also. I get happy when the stock market goes up, but I'm also happy when the stock prices drop as I can get the sale. If you are 100% invested, what do you use to buy with when you "get the sale"? just wondering! balbrec2 Great question....
by cutehumor
Mon Feb 05, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 16393

Re: Vanguard site is crashed now?

Sell! Sell! Stock is gonna drop another ten percent this week by this Friday! :twisted:
by cutehumor
Sun Feb 04, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 15152

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I'm 40. I'm at 100% stock (60 US/40 International). I'm weird also. I get happy when the stock market goes up, but I'm also happy when the stock prices drop as I can get the sale.
by cutehumor
Sat Feb 03, 2018 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 48408

Re: Today was a Really Bad Day

I'm so glad for the drop. I just got a bonus from work, so I'm gonna put 50% of my paycheck in my 401k the next few weeks. Buying stock on sale! This is a sale? There was a better sale less than a month ago. I already maxed my roth IRA on Jan 2. My bonus is paid at end of every February. I'm hoping...
by cutehumor
Sat Feb 03, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 331
Views: 61428

Re: Retreat to cash

bling wrote:
Sat Jan 27, 2018 8:13 pm
i hope OP eventually returns to tell us whether they got back into the market or is still waiting for the crash.
So she can be tarred and feathered? I'm at 25.82% one year return in my portfolio and that's counting the big drop the last week. This thread should be a sticky.
by cutehumor
Sat Feb 03, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 48408

Re: Today was a Really Bad Day

I'm so glad for the drop. I just got a bonus from work, so I'm gonna put 50% of my paycheck in my 401k the next few weeks. Buying stock on sale!
by cutehumor
Sun Jan 28, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9452

Re: WHY do wireless routers need periodic reboots?

This is why I don't go cheap on wireless routers. My home relies on the internet way too much for work at home, slingtv/netflix streaming, and multiple phones/tablets/laptops. I spent $200 on Asus RT-68-u wireless router three or four years ago. I have never had to reboot it by itself. The only time...
by cutehumor
Thu Jan 25, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 6380

Re: Thinking About Timing the Market

I appreciate everyone's responses. But so far, they all seem idealogical -- stated as a maxim in a vacuum without engaging the circumstances I mentioned in my post. Obviously, past patterns don't necessarily govern future events. But is anyone here seriously going to say that this bull market will ...
by cutehumor
Sun Jan 21, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 363
Views: 41433

Re: Year 2000 retirees using the '4% rule' - Where are they now?

awhile back, i found an online article about retiree in 2000. one million invested from 2000-2010 with 4 percent withdrawal in vanguard 500. 100% stock portfolio would be broke. no bonds and no rebalancing
by cutehumor
Sun Jan 14, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 21459

Re: Anyone disenchanted with retirement?

I'm 40 year old male. I was talking to a good friend at our job a few days ago. She's 63 years old. We were talking about our job. She was very stressed and was angry at "idiots" at our job. She was beleaguered at a dismal raise she may get next month and a "measley" bonus. She sounded burned out. S...
by cutehumor
Mon Jan 01, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's voice is in my head...(Updated 12/31/2017)
Replies: 101
Views: 15942

Re: Dave Ramsey's voice is in my head...

Hang in there man. I personally am much more optimistic than the typical crowd here. I subscribe to the bigger idiot theory. No matter how stupid you are there's always somebody that's a bigger idiot. :D I had a $40k Ford F250 6.0 diesel that we decided we didn't need anymore when I was getting 11 ...
by cutehumor
Fri Dec 01, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 30224

Re: Why not take Social Security at 62

I'm anticipating the news to report the SS fund to run out by 2034 as we get closer to that date, which can be misleading. "oh no, I won't get a SS check anymore in 2034". The SS fund will have enough money to pay only 79% of benefits starting in 2034. I expect the majority of those 62 at that time ...
by cutehumor
Wed Nov 29, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off mortgage?
Replies: 77
Views: 8433

Re: Invest or pay off mortgage?

if you fear a crash or correction is coming, pay off the mortgage. when the correction or crash happens, stop paying the mortgage in advance and invest in the market. win win
by cutehumor
Mon Nov 27, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 9701

Re: Growing Number of Electric Vehicles

Electric vehicles appear to be the future. GM has said as well. why? the batteries are dropping in price rapidly and the EV range is increasing. I believe the 2018 Nissan Leaf range is 150 miles. Chevy Bolt is 230ish mile EV range. of course, Tesla leads the pack with 300 mile range in their higher ...
by cutehumor
Tue Nov 21, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 30224

Re: Why not take Social Security at 62

I'm 40 years old. My wife will be 40 in a few months. one out of my four grandparents made it to age 77, two of them died of cancer. The other three died before age 77. I also lost my right lung due to a tumor at age 33. My sister has colorectal cancer at age 46. I'm taking social security at age 62...
by cutehumor
Sun Oct 29, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to have 100% stocks, 15 years+
Replies: 97
Views: 10299

Re: Is it ok to have 100% stocks, 15 years+

I'm at 95% stock/5% bonds and I'm 40 years old. The low expected returns for stocks/bonds in the future and I have another 20 plus years of full time work ahead is why I'm heavy in stocks. I have to swing hard for fences with high stock allocation, if I want to have a decent standard of living in re...
by cutehumor
Sun Oct 29, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 6304

Re: What is going on with the home insurance rates?

My yearly renewal is in April. I recently got an insurance muller report questionnaire asking me about the condition on my home and about any upgrades in my home. They say they are contracted by metlife home owners insurance to see if I have adequate coverage for my home. I'm thinking with the hurri...
by cutehumor
Fri Oct 27, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 9324

Re: Can I retire today?

are there any "can I retire today?" where the answer is no. alot of these are no fun. It's like a supermodel asking if she looks fat in a dress. :D
by cutehumor
Thu Oct 26, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Without a State Income Tax Break, Which 529 Do You Use and Why?
Replies: 10
Views: 1011

Re: For Those Without a State Income Tax Break, Which 529 Do You Use and Why?

NY 529 plan uses vanguard funds around 0.13 expense ratio last year for my daughter
California scholarshare uses TIAA-CREF, I use 0.05 expense ratio total stock market fund for my son
by cutehumor
Wed Oct 25, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance company will not process policy due to "unknown" cause of death
Replies: 14
Views: 2671

Re: Insurance company will not process policy due to "unknown" cause of death

from an insurance side, an "unknown" cause of death could mean anything such as suicide and would result in no life insurance payout. No Life insurance company would payout, with an ambiguous cause of death. The MD who cared for him before death would need to get the death certificate updated. I pre...
by cutehumor
Sun Oct 08, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 8923

Re: Do you want your receipt?

Is this about saving paper and ink costs? Kinda how cc companies want to do online statement. They save ink, paper, and mailing costs for the "environment". Phoey, it's about saving dollars
by cutehumor
Sun Oct 08, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 6396

Re: Roof shingles do not match - Neighbor sent notice

Op,

I wonder if the old lady thinks she can get a complete new roof out of you, since you share the roof. She gets you to mow her side if the lawn and do leaf cleanup every fall. It's worth a shot.
by cutehumor
Sat Sep 30, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 9493

Re: What will happen if I refuse to pay a medical bill?

My sister had the same exact problem. Doctor group on the phone said all their doctors are in network. She saw a guy twice and got billed out of network, she was hot. She called them up and the billing said "the doctor you saw was in process of being in network to your plan". She talked the billing ...
by cutehumor
Tue Sep 26, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Muted Returns -- Thoughts?
Replies: 12
Views: 2955

Re: Vanguard Muted Returns -- Thoughts?

I would think proposed US corporate tax rate reduction would spur higher US equity returns?, unless the market has already priced tax reform as a given. :oops:
by cutehumor
Sat Sep 02, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 157
Views: 19087

Re: HSA - is keeping 40 years of medical records practical?

40 years of medical records. I decided to cash out as I spend on my healthcare. I would think risk of audit would be high, if you take out 158,378 out of your HSA in one year, after 40 years. Also, don't forget about potential health issues in the future, if you get alzheimer's/dementia, you won't e...
by cutehumor
Tue Aug 29, 2017 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 9632

Re: Relative angry I will not co-sign

This is why I do not talk about my investments, salary, or my net worth to anyone. I live a simple life. I'm 40, but by 50, I might be worth close to 1 million. My family would come after me for "loans". It's a shame, I can't tell anyone and keep to myself my frugal ways and max out my 401k/roth ira...
by cutehumor
Thu Aug 24, 2017 4:38 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 33562

Re: What to do when a parent's money runs out?

Since three years ago, you wanted your mom to stay in her dream home, the dream home has become your headache, and she wants $20k to fix it. so in three years, since you first posted, and given your mom $500 per month, your mom did not get a part time or something to make money? Surely, she could ha...
by cutehumor
Mon Aug 21, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Finding Life Insurance for "High-Risk" Mother
Replies: 25
Views: 3093

Re: Finding Life Insurance for "High-Risk" Mother

OP, I'm in the same boat. I just will bite the bullet. My 72 year old dad and my 66 year old mother live only a small pension and social security. $1300 per month. I have a 41 year old mentally disabled sister as well. My other sister is a spendaholic and doesn't save money, she's 46 with $0 in her ...
by cutehumor
Sun Aug 20, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: Boston Globe: Smart Investors May be Killing Capitalism
Replies: 44
Views: 5213

Re: Boston Globe: Smart Investors May be Killing Capitalism

I want guaranteed growth. Index funds are it and at a low cost to boot. I'm not putting my retirement in the hands of active managers aka stock pickers, who will lose against the market and eat my retirement money with high expense ratios. I think bogle said this issue with everyone owning passive f...
by cutehumor
Sat Aug 05, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: The Rise From 7,000 to 22,000
Replies: 49
Views: 7542

Re: The Rise From 7,000 to 22,000

What is the return from the first time the DOW hit 10,000? 120% About 4.5%, annualized. On a Total Return basis (including dividends), since the DJIA went over in 10,000 in March of 1999, an investment in the DJIA would have returned a CAGR over 7% MStar Chart Thanks for digging that up and to me t...
by cutehumor
Thu Aug 03, 2017 8:02 pm
Forum: Investing - Theory, News & General
Topic: The Rise From 7,000 to 22,000
Replies: 49
Views: 7542

Re: The Rise From 7,000 to 22,000

It doesn't seem so extreme if you think of it as 14,000-22,000 from 2007-2017. 2000 to 2010: 10500 to 10500 I was age 25-35 during this period and I was having serious doubts if I was doing the right thing by continuing to invest in the stock market. I was age 23-33 from 2000 to 2010. My vanguard 5...
by cutehumor
Fri Jul 14, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 51
Views: 7047

Re: Cutting the Cord: Who's Best?

I cut the comcast cable cord in 2013. I have: OTA antenna in the attic using the wiring throughout the house via coax cable, so every tv can get OTA Netflix $10 for everyone Sling TV $25 for kids, disney jr/nick jr Amazon Prime video/shipping for wife internet, free via work, I telecommute I also ha...
by cutehumor
Fri Jul 14, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 21911

Re: How are folks handling the unprecedented rise in the market ?

I'm moving to a 60 US stock market/ 40 international stock market. It may not help, but I don't have all my eggs in the US market. I''m 40 this month, so I have time for the market to recover.
by cutehumor
Tue Jul 11, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Stop contributing to 529 on 50% chance grandparents pay
Replies: 42
Views: 3591

Re: Stop contributing to 529 on 50% chance grandparents pay

the grandparents have started two 529 for both my kids (5 and 2). I know how much is in one account, but the 2 year old I don't know. they never told me. I decided to max out my 401k, roth ira, and max HSA first and my wife's 401k and roth ira. any money leftover, I will pay the mortgage rapidly. Th...
by cutehumor
Wed Jul 05, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Should I still buy index funds now at such a high price before an impending recession?
Replies: 59
Views: 9244

Re: Should I still buy index funds now at such a high price before an impending recession?

OP,

buy index funds now! when you buy, the share price will go up, so my 401k will go up! it's a win win for both of us :beer
by cutehumor
Sat Jun 03, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 11309

Re: Everything keeps going up, this feels too easy?

I'm not complaining. My asset allocation for 70% US stocks/ 30% international stocks. I'm buying only international stocks and moving to 50/50. There could be a buying opportunity for US stocks, if US tax reform doesn't materialize or is weak tax reform. It appears US stocks have increased because t...
by cutehumor
Fri Jun 02, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Even indexing can be too much of a good thing
Replies: 25
Views: 5496

Re: Bogle: Even indexing can be too much of a good thing

Yeah from what I have been reading, The market is still quite a ways off from reaching that number. This is the latest projection I’ve seen published: https://s4.postimg.org/jq7yjarzx/Moodys-2-7-active-passive-trend.png Source: ValueWalk But keep in mind, it’s not the percentage of assets passively...
by cutehumor
Thu Jun 01, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Even indexing can be too much of a good thing
Replies: 25
Views: 5496

Re: Bogle: Even indexing can be too much of a good thing

You may want to wait before breaking out the salad forks. The article says Mr. Bogle guesses that at least 75% of the market has to be owned by indexers before it gets dangerous. I think we have a way to go. Yeah from what I have been reading, The market is still quite a ways off from reaching that...