Search found 1490 matches

by 02nz
Wed May 22, 2019 10:21 am
Forum: Personal Investments
Topic: Asset Allocation for HSA
Replies: 5
Views: 224

Re: Asset Allocation for HSA

It depends on when you expect to draw from the HSA. Some people withdraw from it as they incur expenses, in which case you'd probably want to keep a significant portion or all of the HSA in cash equivalents. If like me you don't expect to take money out until about 30 years down the road (tax-free w...
by 02nz
Tue May 21, 2019 5:51 pm
Forum: Personal Investments
Topic: Early Retirement Bridge Approach
Replies: 18
Views: 2730

Re: Early Retirement Bridge Approach

XtremeSki2001 wrote:
Tue May 21, 2019 3:13 pm
I can only pretend to know what my lifestyle will be at 55. I expect my spending to stay the same as it is today ... house/kids/college will be replaced with cruise/vacation home/hobbits.
What are you doing with hobbits? :D
by 02nz
Tue May 21, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Computer speed question which computer is faster and why?
Replies: 22
Views: 1488

Re: Computer speed question which computer is faster and why?

An SSD makes a much bigger perceived difference - especially on the tasks that take longest (starting computer, launching programs). i3/i5/i7 is more branding than anything else. Particularly on laptops, there's often little difference between i5 and i7 in the same series - e.g., between the i5-8250...
by 02nz
Tue May 21, 2019 2:36 pm
Forum: Personal Investments
Topic: Early Retirement Bridge Approach
Replies: 18
Views: 2730

Re: Early Retirement Bridge Approach

The right approach is to combine a Roth conversion ladder and taxable. The problem with starting Roth conversions 5 years before retirement is that you're likely paying high tax rates, possibly the highest in your life if your your income peak comes at the end of your career. If that does not work y...
by 02nz
Tue May 21, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Discount off list price of new Lexus RD 350
Replies: 6
Views: 621

Re: Discount off list price of new Lexus RD 350

Truecar shows an average of about $3200 below MSRP in my area; the dealers that provide a quote through Truecar look to be about $4000 off MSRP. This will of course vary by region but $600 below MSRP is definitely a terrible deal. Truecar isn't even the absolute best deal you can negotiate.
by 02nz
Tue May 21, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 905

Re: PC Hardware Help - KVM Switch

Another way to go is Bluetooth, which of course has the advantage of being wireless. Some Bluetooth keyboards (e.g., Dell WK717, which I have) and mice (e.g., Logitech M720) have a switch for multiple connections. I use these two peripherals with two different PCs, switching is seamless.
by 02nz
Thu May 16, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Usefullness of 2 in 1 laptops?
Replies: 17
Views: 1533

Re: Usefullness of 2 in 1 laptops?

I agree that 2-in-1s add more value if you draw, for text it's much faster to just type. I have used HP, Lenovo, and Dell 2-in-1s. With any brand you'll get people who say "this brand is crap, never buy it." The truth is at any price point they're pretty comparable. The corporate lines are what your...
by 02nz
Wed May 15, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: American Funds Propaganda. Help me understand.
Replies: 25
Views: 2639

Re: American Funds Propaganda. Help me understand.

Over the past 10 years the Growth Fund of America has returned less than 15% CAGR. Not bad, but you would've done better with Vanguard U.S. Growth Index or PRIMECAP (both about 16% CAGR over the same period, which comes out to about 12% higher balance). The chart looks great, as you suspect, because...
by 02nz
Wed May 15, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Fair price for new Subaru Outback?
Replies: 20
Views: 1703

Re: Fair price for new Subaru Outback?

Looks like a good price to me. Those are popular cars so I'm surprised you got that much of a discount. As already mentioned here Outback is redesigned for 2020. First year models are always "interesting". That might be a selling point for the 2019. X years in and most of the kinks worked out. The ...
by 02nz
Thu May 09, 2019 1:17 pm
Forum: Personal Investments
Topic: Vanguard HSA anyone?
Replies: 13
Views: 1633

Re: Vanguard HSA anyone?

I'm also happy with the Fidelity HSA. Main advantage of Vanguard would be the tax efficiency of their index funds, as a few states (CA in particular) do not treat HSAs as tax-advantaged.
by 02nz
Thu May 09, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: New smartphone recommendations
Replies: 20
Views: 1765

Re: New smartphone recommendations

The Moto line (G7 is the latest) is always an excellent value. The main thing the G series lacks is NFC, so you can't use mobile payments like Google Pay. And no wireless charging. Also keep an eye out for the Moto X4, often on sale for the same price as the G series but with more features. Slickdea...
by 02nz
Wed May 08, 2019 11:51 pm
Forum: Personal Investments
Topic: Vanguard HSA anyone?
Replies: 13
Views: 1633

Re: Vanguard HSA anyone?

No one is talking about it because it doesn’t exist.

The page gives general info about HSAs. The links on the right are to HSA providers that offer Vanguard funds. But you cannot open an HSA sith Vanguard.
by 02nz
Wed May 08, 2019 10:50 am
Forum: Personal Investments
Topic: I Don't See Great Benefits to ROTH Conversion for Us. Help Me
Replies: 52
Views: 5716

Re: I Don't See Great Benefits to ROTH Conversion for Us. Help Me

If you do not do your own taxes I would buy some tax prep software to model my taxes over the next few years. You will be amazed at how many moving parts there are and how many variables can be tweaked to your advantage. For this purpose, TaxCaster (free) is usually good enough: https://turbotax.in...
by 02nz
Wed May 08, 2019 10:44 am
Forum: Personal Investments
Topic: I Don't See Great Benefits to ROTH Conversion for Us. Help Me
Replies: 52
Views: 5716

Re: I Don't See Great Benefits to ROTH Conversion for Us. Help Me

If I were you, I would contribute to Roth IRAs for both yourself and your spouse for your remaining working years. You are both over 50, so that would be $7000 each/year, this could be direct contributions or back-door. Agree with this suggestion, but OP stated retirement accounts are largely in IR...
by 02nz
Thu May 02, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Reviews on Honda Insight
Replies: 30
Views: 1619

Re: Reviews on Honda Insight

This next car is for DH, and I'm pleased he is considering an option other than gas exclusively. DH has driven an Accord or Civic since the '80s, so the Insight would be a familiar, comfortable choice for him. I'm glad there is an option between gas and EV, one that does not have the inconvenience ...
by 02nz
Thu May 02, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Reviews on Honda Insight
Replies: 30
Views: 1619

Re: Reviews on Honda Insight

The average electrical bill was about $3.00 a month in the 1950's. I remember my father saying it was almost free. Now, we have three time rates with charges tripling during 5PM-8PM. Electricity costs range from $150 in the winer to almost $400 in the summer. We have a canopy of trees which preclud...
by 02nz
Tue Apr 30, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Reviews on Honda Insight
Replies: 30
Views: 1619

Re: Reviews on Honda Insight

The current Insight has gotten excellent reviews. It is essentially the hybrid Civic (Honda used to sell a Civic hybrid, but the current Insight is that in all but name). The Civic gets 26 mpg combined (32 mpg highway, but in stop-and-go traffic you'll be lucky to hit the combined figure). Hybrids g...
by 02nz
Tue Apr 30, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Is the United Airlines Online Reservation System Confusing, or Is It Me?
Replies: 17
Views: 1186

Re: Is the United Airlines Online Reservation System Confusing, or Is It Me?

I then select Business/roundtrip - there's no obvious way, at this point, to pick different classes for different legs of the flight. So, I can't arrange for her to fly economy from Frankfurt to Prague. United forces her to fly Business class on both legs of the trip to Prague. OK, maybe that's OK....
by 02nz
Sun Apr 28, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Relocating Across Country - Vehicle Situation
Replies: 22
Views: 1211

Re: Relocating Across Country - Vehicle Situation

I would give the reliability data on the XC60 a very hard look. It's been a long time since Volvo built cars with bulletproof reliability. For a 75 mi/day commute (I'm assuming this is in Seattle not Baltimore), fuel economy is a big consideration. A plug-in hybrid or EV makes a lot of sense, and it...
by 02nz
Sat Apr 27, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5028

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

That said, I am convinced that the performance and control of the Ubiquiti APs exceed that of the Orbi. Apple has a powerful and inexpensive word processor, as long as you want to do what they think you should want to do. I tried to write a book with a TOC and index years ago using Pages; I gave up...
by 02nz
Fri Apr 26, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1319

Re: Help/Suggestions Buying Car next Week

She asked about Hyundai Kona. It's was rated high in the sub compact SUV rankings. The Kona is a solid car. I would also look at its twin, the Kia Niro. The exterior of the Niro looks a lot better to me, without so much of the Kona's chunky black plastic cladding. The Niro and the Kona are not rela...
by 02nz
Fri Apr 26, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Minivan alternatives?
Replies: 48
Views: 3020

Re: Minivan alternatives?

The new 2020 Highlander looks good and there's a hybrid version that gets 33 mpg combined. Some people refuse to buy the first year of a redesign, but this is Toyota, and the underlying platform (TNGA) has been in several models for 4+ years now.
by 02nz
Mon Apr 22, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Is the Subaru Outback a safe car?
Replies: 9
Views: 1218

Re: Is the Subaru Outback a safe car?

Never heard of this site. IIHS crash tests are the most rigorous measure of crash safety. IIHS's Top Safety Pick ratings take into account both crash safety and safety features. NHTSA conducts tests, too, but not as rigorously. I find fatality stats fairly meaningless - sure, a Corvette has more fat...
by 02nz
Sun Apr 21, 2019 4:13 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 69
Views: 4242

Re: American Funds vs Vanguard

op Have you ever heard of PrimeCap? "Primecap’s founders learned the process at Capital Group, the publicity-shy firm behind the American Funds . The trio—Howard Schow (who died in 2012), Mitch Milias (who stepped down from day-to-day management duties in 2014) and Kolokotrones—left Capital Group i...
by 02nz
Fri Apr 19, 2019 11:29 am
Forum: Personal Investments
Topic: YouInvest Account
Replies: 9
Views: 980

Re: YouInvest Account

Yes it is available on You Invest. I don't have the 50K available to invest, so I can't get to the screen that would show me whether a fee applies and if so how much. My experience with You Invest has been fine (there was an issue with Chase not correctly calculating the average balance that qualifi...
by 02nz
Fri Apr 19, 2019 11:20 am
Forum: Personal Investments
Topic: Net Worth where it should be?
Replies: 49
Views: 6746

Re: Net Worth where it should be?

There's a huge amount of variation in net worth among individuals on this board, and that skews higher than average. You have more than average at your age, esp. at the income level. But instead of this (frankly rather useless) exercise, make sure you've set your financial goals and stick to them.
by 02nz
Fri Apr 19, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 41
Views: 3952

Re: Need vacuum recomendations

I have the Dyson V7 and like it a lot. The Wirecutter recommends as the best cordless stick vac: https://thewirecutter.com/reviews/best-cordless-stick-vacuum/ The freedom of not being tied down by a wire is almost life-changing. The downside of course is needing to charge the battery - a full charge...
by 02nz
Tue Apr 16, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Small backup battery for Lenova YOGA laptop?
Replies: 4
Views: 323

Re: Small backup battery for Lenova YOGA laptop?

The very recent models support USB-C Power Delivery. But you need to make sure the power bank puts out enough power (probably 45W minimum - check fine print on your Yoga's power adapter). Otherwise you'd need something like this: https://www.amazon.com/RAVPower-20100mAh-External-Battery-Compatible/d...
by 02nz
Tue Apr 16, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 2359

Re: Trip to Central Asia. Do you need a CC?

Credit cards are very widely accepted in major cities in Kazakhstan, less so in the other two, though hotels catering to foreigners will certainly take them. Back in the day, there was a large black market in Uzbekistan for foreign currency, so it was much cheaper to change on the black market and p...
by 02nz
Fri Apr 12, 2019 9:24 pm
Forum: Personal Investments
Topic: Roth TSP vs. Regular TSP?
Replies: 14
Views: 1242

Re: Roth TSP vs. Regular TSP?

At over 32% marginal taxes (fed + state combined), I think you'd be nuts to do Roth. You could pay a much, much lower tax rate in retirement (esp. if you move to a lower-tax state, as you plan on doing, or even more if you retire early). When your traditional balance goes high enough to bump you int...
by 02nz
Wed Apr 10, 2019 10:33 am
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 150
Views: 19382

Re: You Invest by JP Morgan Chase

Adding to the earlier comments about partial transfers, which can't be done online Do they not ask for the quantity when doing the transfer? Wondering if you could say "full transfer" but don't enter the full quantity in the form. No, if you do a full transfer then they don't ask you for the quanti...
by 02nz
Wed Apr 10, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8262

Re: Are Airport Lounges Worth the Money?

That article sounds like fluff, probably pushing credit cards. I've been to a lot of lounges all over the world - few are truly "luxurious." The best lounges are those restricted to international first class passengers (e.g., Lufthansa's first class lounges), although U.S. airlines have also recentl...
by 02nz
Mon Apr 08, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 138
Views: 18387

Re: Trader Joe's Fans - good value?

I just discovered the smoked wild sockeye salmon "ends & pieces" at Trader Joe's - just as tasty as the regular smoked sockeye at half the cost.
by 02nz
Sun Apr 07, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Porsche Cayenne Base Model vs Premium Lexus RX or GLE?
Replies: 23
Views: 1703

Re: Porsche Cayenne Base Model vs Premium Lexus RX or GLE?

Have you considered the 2019 BMW X5? It has the handling of a Porsche yet appears to be reliable (not as reliable as a Lexus but up there). We love it! Maybe I'm misreading this, but if the implication is that Porsche isn't reliable, that's not correct. Porsche consistently ranks among the most rel...
by 02nz
Sun Apr 07, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: Porsche Cayenne Base Model vs Premium Lexus RX or GLE?
Replies: 23
Views: 1703

Re: Porsche Cayenne Base Model vs Premium Lexus RX or GLE?

Get the Macan, lightly optioned. Even the base 4-cylinder is plenty powerful and reasonably efficient, and it rides and handles better than anything else in the luxury SUV segment. Not that much smaller than the Cayenne, and looks a lot better IMHO. No comparison with the MB and Lexus in terms of ho...
by 02nz
Sun Apr 07, 2019 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: best card bonus for $500 in spend in 3 months
Replies: 23
Views: 2008

Re: best card bonus for $500 in spend in 3 months

Let me think. I just got a US Bank cash something or other. $150 for $500 spend. I got it in my mail box the same day as my car insurance bill. Bam....one day done. I have this card (US Bank Cash Plus) and like it. Each quarter you can choose two categories where you get 5% cash back. You choose fr...
by 02nz
Wed Apr 03, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: 4 days in Munich, Germany
Replies: 28
Views: 1646

Re: 4 days in Munich, Germany

Rotenberg is worth a day trip. Rothenburg is a total tourist trap, and it's not a great day trip from Munich (around 3 hours one-way by train with lots of connections, about the same driving). A much, much better idea if you want to see a pretty small town: Regensburg. It's just over an hour by dir...
by 02nz
Tue Apr 02, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Ready to buy a new cheap smartphone - any gotchas?
Replies: 40
Views: 3454

Re: Ready to buy a new cheap smartphone - any gotchas?

Verizon is making a change later this year that will make some phones that work now stop working. You don't want to stumble into that by accident. This thread discusses the problem with Verizon and Apple 5 phones. I don't know if phones from other brands are affected or not. https://www.bogleheads....
by 02nz
Mon Apr 01, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: COPA Airlines
Replies: 13
Views: 1177

Re: COPA Airlines

Copa is a good airline. It used to be partly owned by Continental. If flying in business class, keep in mind they have recliners, better than domestic first class, but not anywhere near as comfortable as the lie-flat seats many other airlines have on flights to South America (admittedly those are lo...
by 02nz
Fri Mar 29, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 10.5"
Replies: 16
Views: 1102

Re: iPad Pro 10.5"

The iPad Pro 10.5" came out in 2017. Apple just came out with a (non-Pro) iPad Air 10.5", which starts at $500. It's actually the same as the old Pro 10.5", physically identical but with a faster processor and minus a few features you won't care about (e.g., 120 Hz display). That's a larger and bett...
by 02nz
Sun Mar 24, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Europe conversion fee scam at hotel..what would you do?
Replies: 26
Views: 2117

Re: Europe conversion fee scam at hotel..what would you do?

Also beware of ATMs and read screens very carefully to avoid DCC. Indeed. I've noticed that ATMs in tourist hotspots are even worse than merchants who run DCC on their credit card systems. With credit cards it seems to be around 5%, while with ATMs that offer to debit your account in dollars it's c...
by 02nz
Sun Mar 24, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Europe conversion fee scam at hotel..what would you do?
Replies: 26
Views: 2117

Re: Europe conversion fee scam at hotel..what would you do?

The OP's experience is, unfortunately, EXACTLY the kind of situation that DCC takes advantage of - traveler's who are too tired/jet-lagged/busy/careless or who just don't know. I would put it behind me as a (not too expensive) lesson, and use this tale to educate your family, friends, and colleagues...
by 02nz
Fri Mar 22, 2019 8:41 pm
Forum: Personal Investments
Topic: Is a Roth 403b sensible in this scenario?
Replies: 16
Views: 991

Re: Is a Roth 403b sensible in this scenario?

I would do mostly/all traditional rather than Roth, unless you're expecting a large pension. You already have tax diversification from Roth IRAs. Any chance you'll want to retire early? That would favor traditional even more. Any year in which you don't have other income, you can withdraw/convert ab...
by 02nz
Fri Mar 22, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a Personal Finance Marriage Counselor
Replies: 34
Views: 3461

Re: Finding a Personal Finance Marriage Counselor

I think the most important thing is to get on the same page re: goals. Saving/spending habits follow from, and are secondary to, the goals. It makes no sense to argue over which route to take if you don't even agree on the destination.
by 02nz
Thu Mar 21, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Overheating laptop - no good options
Replies: 19
Views: 696

Re: Overheating laptop - no good options

In addition to cleaning the fans, make sure you have the latest BIOS/firmware version, check Lenovo's support site.
by 02nz
Thu Mar 21, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: When is it time for a new smartphone?
Replies: 66
Views: 4016

Re: When is it time for a new smartphone?

Wait for 5G phone. current 4G phone will be outdated. Wait for 6G phone. The 5G phone will be outdated. In seriousness, you can always wait for the next thing. 5G is at least a few years away from widespread coverage. And 4G LTE will work for a long, long time. U.S. carriers have only recently star...
by 02nz
Wed Mar 20, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Minivan - Safety
Replies: 34
Views: 1624

Re: Minivan - Safety

The way I look at safety is this: A Prius has the statistic of 47 deaths per million registered vehicles. Say a minivan or SUV is twice as safe at 100 deaths per million vehicles. That seems great to replace my Prius with a vehicle that is twice as safe. However, if I look at percentages, I'm spend...
by 02nz
Wed Mar 20, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: A used Camry or brand new Corolla?
Replies: 69
Views: 3150

Re: A used Camry or brand new Corolla?

Camry will use more fuel. You would think that, but the fuel efficiency of the 4-cyl Camry is actually identical to or even better than the Corolla, even though the latter has much smaller and less powerful engines. The Camry's 2.5L 4-cyl is newer and more efficient than the old 1.8L on most trims ...
by 02nz
Sun Mar 17, 2019 3:15 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 150
Views: 19382

Re: You Invest by JP Morgan Chase

I was just charged $25 for Sapphire Checking, which surprised me as I had around $100K in You invest every day except day 1 of the statement cycle (that's when my ETFs transferred in), which easily averaged out to more than $75K. Called and the rep said I was charged the fee because my average dail...
by 02nz
Sun Mar 17, 2019 2:45 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 150
Views: 19382

Re: You Invest by JP Morgan Chase

I was just charged $25 for Sapphire Checking, which surprised me as I had around $100K in You invest every day except day 1 of the statement cycle (that's when my ETFs transferred in), which easily averaged out to more than $75K. Called and the rep said I was charged the fee because my average daily...