Search found 1378 matches

by onourway
Sat Dec 15, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 91
Views: 2999

Re: Forgoing health insurance

Frankly, if you can afford to be retired early in your 40’s with 3 kids, $15k shouldn’t have an impact one way or another on your finances. It’s not simply health insurance; it’s insurance that you will not have to drastically change your lifestyle and/or end up poor should any one of you have an ac...
by onourway
Sat Dec 15, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 57
Views: 2258

Re: Should I buy a Tesla?

I test drove the Tesla yesterday, without a doubt I was impressed. I am now worried about Tesla’s ability to compete once other manufacturers start releasing comparable cars. The whole Tesla sales model frankly sucks. These guys want you to pay retail for their car but will buy your car for wholesa...
by onourway
Sat Dec 15, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6366

Re: Best headphones under 500 bucks

apple airpods. under $200. Take the rest of the money and take your significant other out to a nice dinner. Trust me (some guy on the internet) it'll be the best decision you make. All the other stuff is overpriced garb. I hope you tried everything else on the market before you called it overprice ...
by onourway
Thu Dec 13, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 57
Views: 2258

Re: Should I buy a Tesla?

Thanks for the input, I should of included this in my post. I've been fortunate enough to have earned 6 figures right out of college and earning money through entrepreneurial activities during college. I contribute 18.5k towards my 401k every year, I have a solid emergency fund, much bigger than it...
by onourway
Thu Dec 13, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 57
Views: 2258

Re: Should I buy a Tesla?

Impossible to answer without more context, but your sentence 'starting a new job that will pay me... indicates a big NO. First rule of financial well being. Don't spend money you don't yet have. Get your savings rate on track. Maximize all tax-advantaged space available to you. Get a solid buffer fo...
by onourway
Thu Dec 13, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: How does negative interest rate work?
Replies: 12
Views: 1534

Re: How does negative interest rate work?

This is a pithy, often repeated, quote but wrong. People can't just hide money under their mattress. There are some other options. Pre-paid bills are a good example. Prepay your taxes, stock up on stamps, buy stored value and gift cards. While not prefect, the average person can "save" thousands to...
by onourway
Wed Dec 12, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6366

Re: Best headphones under 500 bucks

I've always wanted to try Etymotic ER4, but they're 1000% over my budget. Since they're within yours, you may want to check them out. https://www.etymotic.com/consumer/earphones/er4-new.html https://www.amazon.com/Etymotic-Research-ER4XR-Extended-Monitors/dp/B01GW786B4/ https://www.reddit.com/r/air...
by onourway
Wed Dec 12, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA - Account Closed (Risk Department)
Replies: 19
Views: 2559

Re: Fidelity HSA - Account Closed (Risk Department)

Any history of churning credit cards/bank accounts?
by onourway
Wed Dec 12, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 69
Views: 3930

Re: [Anyone drop cable for YouTube TV?]

Could someone give me the quick-sketch on replacing cable? Right now, I have of course local channels, plus a number of cable channels. I set up series recordings for things I'm interested in, and those show up when new episodes are shown. There's a guide that I use to look for shows that I hear ab...
by onourway
Wed Dec 12, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6366

Re: Best headphones under 500 bucks

Are there quality differences in sound between wired headphones and Bluetooth wireless headphones? Does wireless cause any reduction in frequency reproduction, digital glitching, etc. that doesn't happen with good old analog wired technology? Depends on how picky you are and what your setup is. Usi...
by onourway
Wed Dec 12, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6366

Re: Best headphones under 500 bucks

You're missing the fact that a great set of headphones, like some of the Sennheisers mentioned, can easily last 20+ years (seriously). When taking that into consideration, it's nothing at all like spending $1,500 on a pair of shoes. Your interpretation is way off from what he meant. this thread is ...
by onourway
Wed Dec 12, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 179
Views: 13276

Re: What Happened to you during the Financial crisis of 2007–2008

I was nearing 30. Had been making good money for 7 years and socking it away but not yet paying any attention to my investments. Had lots of more pressing interests at the time! Continued to invest as normally with never a hiccup because my industry was barely affected. We had more work than we coul...
by onourway
Wed Dec 12, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5508

Re: Lyft driver got into an accident, but denies it

goblue100 wrote:
Wed Dec 12, 2018 8:26 am
Does the Lyft app record a start time and end time for the ride? If so, perhaps you could point to that as being abnormally long and the reason for that is the accident the driver denies having.
This. Lyft's data will absolutely show this and corroborate your story.
by onourway
Tue Dec 11, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 27
Views: 1322

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

Thanks, onourway. I ordered it....do you think it would be wise to downgrade to XQHD without HDR? You are making me think I made a mistake- I got wowed by the reviews. They describe it as "antireflective" and the phone rep said it would be the same as without HDR, but (oddly since I have not met ei...
by onourway
Tue Dec 11, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 27
Views: 1322

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

That HDR screen has excellent brightness and beautiful colors, but it is very reflective. Note that the easiest way to minimize the distraction of the reflections is to...turn up the brightness. If you will be using it primarily in a fixed location indoors where you will not have lighting behind you...
by onourway
Tue Dec 11, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 27
Views: 1322

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

If all of those options have Lenovo's famous mirror-reflective glass coating, I'd say 'none of the above' and look for another model, say the X1 Carbon, with a matte screen. Good thought....I think , however, that the X1 Yoga and X1 Carbon have essentially the same screen. It is described as "non-r...
by onourway
Tue Dec 11, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 27
Views: 1322

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

If all of those options have Lenovo's famous mirror-reflective glass coating, I'd say 'none of the above' and look for another model, say the X1 Carbon, with a matte screen.
by onourway
Tue Dec 11, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Total International Stock Market in a three fund portfolio?
Replies: 12
Views: 1003

Re: Total International Stock Market in a three fund portfolio?

I've yet to see anyone refute what I've written w/re: the spectrum of country corruption, lack of financial regulation, etc. It's true, I suppose, that the decision to not invest in equities in countries where the playing field isn't level is an emotional decision: I'm fearful that I'll get ripped ...
by onourway
Mon Dec 10, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 69
Views: 3930

Re: [Anyone drop cable for YouTube TV?]

Yup. Far better than the cable box ever was. Simple UI. Watch on any device from anywhere. Every user can have their own profile with favorites, recommendations, etc. Makes cable tv look positively antiquated. No problem ‘surfing’ FWIW. Still has the standard channel guide, although we find we hardl...
by onourway
Mon Dec 10, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: International underperformance - how to break it down
Replies: 52
Views: 4046

Re: International underperformance - how to break it down

Hi All, This is my first post on this wonderful forum. Found out this by chance from one article on MSN. To come to this question, can we imagine a world where US is doing terribly wrong and rest of the world is doing so wonderful that we complicate portfolio to include international exposure just ...
by onourway
Mon Dec 10, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 6851

Re: Electric bill with LED

Do they make LED lights for regular 3-way table lamps that are warm in color like traditional bulbs? I don't care for cold, blue lighting. Edit: Okay, how does this one from Amazon look? Good reviews, but who knows...Are there brands you like for LEDs? https://www.amazon.com/dp/B01CEK1O4E/ref=psdc_...
by onourway
Mon Dec 10, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 127
Views: 15300

Re: LED light bulbs

50% failure rate seems extraordinarily high. I converted our entire household to LED about 5 years ago. I’ve had one failure, during a power surge, of a less-er known brand. 95% of the bulbs I used were Philips and have had zero of those go bad.
by onourway
Sun Dec 09, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: YNAB: Age of Money
Replies: 21
Views: 2586

Re: YNAB: Age of Money

Perhaps I'm just missing something, but I don't understand why it's important. As long as I'm living below my means and spending less this month than I bring in, what further is needed? It can help you determine exactly how far ahead you are. One could be earning $3000/month and spending $2999, but...
by onourway
Sun Dec 09, 2018 6:42 am
Forum: Personal Finance (Not Investing)
Topic: YNAB: Age of Money
Replies: 21
Views: 2586

Re: YNAB: Age of Money

Yep, the value of this metric is entirely dependent on how much of your emergency reserves are on budget. I don’t worry too much about the number as most of our assets are off budget and as I funnel a large amount of business spending through our credit cards which tends to depress this your age of ...
by onourway
Sun Dec 09, 2018 5:37 am
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 57
Views: 4687

Re: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]

US companies do business abroad. So what? I want to invest in these companies: Royal Dutch Shell plc Nestle SA Samsung Electronics Co. Ltd. Tencent Holdings Ltd. Novartis AG Taiwan Semiconductor Manufacturing Co. Ltd. Roche Holding AG HSBC Holdings plc Alibaba Group Holding Ltd. Toyota Motor Corp. ...
by onourway
Sun Dec 09, 2018 5:36 am
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 57
Views: 4687

Re: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]

[quote=UpperNwGuy post_id=4249744 time=<a href="tel:1544323627">1544323627</a> user_id=125781] US companies do business abroad. So what? I want to invest in these companies: Royal Dutch Shell plc Nestle SA Samsung Electronics Co. Ltd. Tencent Holdings Ltd. Novartis AG Taiwan Semiconductor Manufactu...
by onourway
Sat Dec 08, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 57
Views: 4687

Re: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]

The fact that major US corporations do a significant amount of business abroad only provides international diversification (and I use that term loosely in this context) if the US retains its position as the dominant world economy. If the alternative occurs, and the US loses its dominance, domestic c...
by onourway
Sat Dec 08, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: iPad Pro vs Microsoft Surface
Replies: 15
Views: 1543

Re: iPad Pro vs Microsoft Surface

The question you need to answer is whether you want/need full computer functionality, similar to a laptop, but in tablet size form factor. Or if you just want/need an overpowered phone/tablet. I have multiple iPhones and iPads, and while I like them for those consumption uses, neither replaces my P...
by onourway
Sat Dec 08, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: iPad Pro vs Microsoft Surface
Replies: 15
Views: 1543

Re: iPad Pro vs Microsoft Surface

If Lightroom on the iPad is suitable for what you want to do, I would lean towards the iPad. It’s a much much better tablet device than the Surface, and the Pencil is significantly better than the Surface Pen. The Surface is essentially an awkward laptop that is a really mediocre tablet. The iPad is...
by onourway
Sat Dec 08, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: options to cover next 10 years before SS
Replies: 42
Views: 2876

Re: options to cover next 10 years before SS

What will SS payments be?

I agree that $70k/year on a $600k balance seems overly optimistic.
by onourway
Fri Dec 07, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: When to consider making extra principal payments on mortgage?
Replies: 24
Views: 2195

Re: When to consider making extra principal payments on mortgage?

(OP here) I don't have any specific goal to pay it off early. It is a starter home (2BR) for our family of 4. Ideally we will upgrade in the next 6 years or so. I would love to keep it and rent it out, but the only way we can make a down payment on another house is to sell this one. This is the mai...
by onourway
Fri Dec 07, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: When to consider making extra principal payments on mortgage?
Replies: 24
Views: 2195

Re: When to consider making extra principal payments on mortgage?

What is the interest rate on the mortgage? Sorry, I forgot to mention this very important part. Interest rate is sub-4%. So not much of a guaranteed return. So it's really a personal decision. Some people feel the weight of a mortgage as a burden and can't wait to get out from under it. That's fine...
by onourway
Fri Dec 07, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: When to consider making extra principal payments on mortgage?
Replies: 24
Views: 2195

Re: When to consider making extra principal payments on mortgage?

What is the interest rate on the mortgage? You're right, it's an illiquid place to put it. Hard to use your mortgage equity to pay for college, or a cash need, or to use as a down payment on a new home, simplifying the process by not having your down payment tied up in equity. If you have any chance...
by onourway
Fri Dec 07, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 33
Views: 1916

Re: Portable Bluetooth Speaker Recommendations (loud and good sound quality)

Another important consideration is battery life. I bought a TDK A33 that sounds great but the battery died after a year. The mega boom looks good. Is the battery good, does it last for several hours? I have the original UE Boom, have had it for maybe 4 years or so? Battery is 10-15 hours, lasts for...
by onourway
Fri Dec 07, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: I need some money from my portfolio , sell out of which fund??
Replies: 9
Views: 481

Re: I need some money from my portfolio , sell out of which fund??

As noted, if you have anything in your portfolio that you've kind of wanted to rid yourself of, sell that first. After that, if you have your cost basis set as Specific Identification (or can change it before you sell), I would sell lots that have a loss first. That way you not only pay no capital g...
by onourway
Thu Dec 06, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 33
Views: 1916

Re: Portable Bluetooth Speaker Recommendations (loud and good sound quality)

Agree with the Megaboom if sound quality is a priority. The Tivoli Audio Pal BT is another good option if the tuner is a major priority and it sounds great as well but it’s directional so may not sound good everywhere.
by onourway
Thu Dec 06, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 1999

Re: Should we sell farmland to coal company?

I agree you need to get an accurate appraisal before considering the offer, but if your numbers are in the ballpark, I'd have a hard time not taking the payout unless you have reason you wish to see the land remain farmland. $800,000 stands to bring you in ~$32,000 in yearly income (at 4% withdrawal...
by onourway
Thu Dec 06, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 8459

Re: Solid my entire portfolio 12/3/18

If you get back in today you look to realize an immediate 6% gain on US stocks. Perhaps you will do better if you wait. But you could do a lot worse.

I don't like sitting on the sidelines.
by onourway
Thu Dec 06, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2195

Re: Recommend dish drainer (rack)

As I stated in my original post, we've had that exact model for 8 years and there is zero sign of rust. There is no reason it won't last 20 years. And two other people have reported the same model rusts, so you're outnumbered. I wouldn't buy it expecting it not to rust. If you love it enough that y...
by onourway
Thu Dec 06, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2195

Re: Recommend dish drainer (rack)

I don't think it's reasonable to expect it to last 20 years, though, especially since the OP specified dislike of rust and it's going to rust. More like 5, I'd bet. It's pretty much on a par with the Dollar Store stuff that way, and it probably won't even stay rustproof as long as covered wire, eve...
by onourway
Thu Dec 06, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2195

Re: Recommend dish drainer (rack)

I can't conceive of spending $80 on a dishrack. A cheap one lasts 10 years. Surprised that Bogleheads would spend that kind of money on a dishrack. In our case we have an open-floor plan small home. The kitchen is the focal point of the entire house. It's where we spend 75% of our non-sleeping time...
by onourway
Wed Dec 05, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2195

Re: Recommend dish drainer (rack)

Yes, the $80 one I suggested is expensive, but given that it’s something we use multiple times every day, appears that it will last at least 20 years without giving any trouble and looks good and is pleasing to use, I think I can afford that $4/year. 8-)
by onourway
Wed Dec 05, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2195

Re: Recommend dish drainer (rack)

We were recommended this model when we remodeled our kitchen 8 years or so ago. I would have never thought twice about it, but it’s been great. Water drains into the sink. It’s never rusted. Holds lots of stuff.
by onourway
Tue Dec 04, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3851

Re: Best new Mac/features for 2000-3000

No more iMacs for me. My hard disk recently failed after 3 years, and it’s almost impossible for an individual owner to replace, making the whole thing worthless, including the 27” display, because it’s all one piece that’s not meant to be opened or serviced — an iMac as a disposable item, not one ...
by onourway
Tue Dec 04, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Fidelity for checking account + Passive Investment
Replies: 14
Views: 1061

Re: Schwab vs Fidelity for checking account + Passive Investment

Happy with Schwab for checking and a small portion of our investments. Customer service is very good. People are helpful, generally know what they are talking about, and follow up if they don't know the exact answer. My only complaint is there is no way to keep short-term cash in a MMF without manua...
by onourway
Mon Dec 03, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4108

Re: Will we make it saving only in employer plans?

Agreed with the other comments. You will be ok with employer only plans, but it’s not an ideal situation. I would strongly encourage you to begin really tracking expenses and figuring out where your spending is going. Not even primarily because it’s good for your savings habits, but much more so bec...
by onourway
Mon Dec 03, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can I ditch my work's HSA and fund a non-work (private) HSA?
Replies: 9
Views: 1018

Re: Can I ditch my work's HSA and fund a non-work (private) HSA?

No need to move anything and take the hit on paying FICA/etc. Simply perform a trustee to trustee transfer of any amount over and above what you may be required to keep at Payflex. You can do this as often as you like and there is no problem having multiple accounts.
by onourway
Mon Dec 03, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Comparison of tax deferred vs.taxable investments
Replies: 15
Views: 1096

Re: Comparison of tax deferred vs.taxable investments

My mistake. I will correct it. Thank you. Great. I wasn't sure I wasn't missing something myself. Given the new calculations, I think you've found that, to the best of your abilities to forecast given the uncertainties involved, investing $18k after tax may well be fairly equivalent to $20k pre-tax...
by onourway
Mon Dec 03, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: Comparison of tax deferred vs.taxable investments
Replies: 15
Views: 1096

Re: Comparison of tax deferred vs.taxable investments

Thank you. That's very helpful. I am going to ignore Social Security for now. If my math is right, a $1,000 investment held for 20 years would look like this upon withdrawal, assuming 27% combined federal + state tax rates and 15% LTCG rate: Tax-free (Roth): $1,000 x 1.06^20 = $3,207 Tax-deferred (...
by onourway
Mon Dec 03, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Price vs. Gross Income
Replies: 59
Views: 4294

Re: Home Purchase Price vs. Gross Income

0.5x income in a MCOL area. Now worth about 1.5x income.