Search found 122 matches

by kacang
Wed Nov 13, 2019 11:26 pm
Forum: Investing - Theory, News & General
Topic: CNBC Nightly Business Report cease production in Dec 2019
Replies: 13
Views: 1455

CNBC Nightly Business Report cease production in Dec 2019

According to this article, CNBC is stopping NBR production, last episode will be Dec 27
https://current.org/2019/11/cnbc-ends- ... -year-run/

Haven't seen this announced elsewhere, is this real? I'm going to miss my evening amusement :(
by kacang
Tue Nov 12, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Los Angeles to San Francisco Roadtrip
Replies: 29
Views: 1902

Re: Los Angeles to San Francisco Roadtrip

If it's on your way, Ano Nuevo State Park is excellent for viewing the elephant seals in it's natural habitat. Closer to San Francisco, Fitzgerald Marine Reserve at Moss Beach has tide pools, best seen during low/negative tides.
by kacang
Fri Oct 11, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 120263

Re: What frugal thing did you do today?

Cleaned up the yard and made a fall wreath from the prunings. If I swap out the hydrangeas for pine cones, the wreath can be re-used for Christmas decoration and composted after the holiday season.
by kacang
Wed Oct 09, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Making money with oversized rooftop solar system?
Replies: 22
Views: 2693

Re: Making money with oversized rooftop solar system?

Yes, from ca in pge territory. And the system is probably a little oversized right now, because I sized it for a future electric car. But not intended for resale. You should be good then. Peninsula Clean Energy, a Bay Area community energy provider, advised in its FAQ that "PG&E does not generally ...
by kacang
Wed Oct 09, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Making money with oversized rooftop solar system?
Replies: 22
Views: 2693

Re: Making money with oversized rooftop solar system?

I think you might be missing the regulatory aspect. To build a larger system for the expressed purpose of selling energy for profit sounds like one would be going into power generation business. A home rooftop system's annual production is restricted to your approximate usage over the previous 12 m...
by kacang
Wed Oct 09, 2019 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Making money with oversized rooftop solar system?
Replies: 22
Views: 2693

Re: Making money with oversized rooftop solar system?

I think you might be missing the regulatory aspect. To build a larger system for the expressed purpose of selling energy for profit sounds like one would be going into power generation business. A home rooftop system's annual production is restricted to your approximate usage over the previous 12 mo...
by kacang
Thu Oct 03, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 72
Views: 9738

Re: Solar Installation - 0.75 Year Later

Tag. Great thread. Any recommendations for bay area solar companies? Any good sites which review the latest and greatest solar tech? I have a new roof. Electric bill runs from 100 go 200 max. I guess I should look into this. Friends have said a house battery would be great ( store your own power to...
by kacang
Sun Sep 29, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6542

Re: Do you know what your partner spends money on?

We discussed and set budget goals together. Each of us has a monthly allowance for "whatever-no-question-asked" spending that we agreed to and abide by. I track the bills and provides a monthly summary for both of us. This has worked well for us for years now
by kacang
Sun Sep 01, 2019 2:09 pm
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 13373

Re: 3 fund people how are you feeling?

Almost a 3-funder at AA of 60/40 for stock/bond, just some company stock that we are paring down over time. It is good enough and boring enough, that we can tune out the noise and sleep well. If we want fun/excitement, we have hobbies and a play account.
by kacang
Sat Aug 31, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 47
Views: 3032

Re: Does anyone have a dishwasher they recommend?

We're on our 2nd Bosch dishwasher. I understand that the wash system is the same across the line. The difference in price is for the design, how much stainless interior, number of wash cycles, sound-proofing & miscellaneous features, eg. 3rd/top tray. Our first was top of their line and lasted 7 yea...
by kacang
Sat Aug 24, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 120263

Re: What frugal thing did you do today?

I went to Costco yesterday and discovered the Dyson Vacuum clean I bought last month for $339 was on sale for $279. I went home and got my receipt and returned and got a credit for $64 based on their lowest price guarantee. Costco is so easy to deal with in matters like this. I've done similar with...
by kacang
Thu Aug 22, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 70
Views: 8466

Re: Anybody else enjoy sitting around and doing little in retirement?

"Sitting around and doing little" suggests expectations of productivity or performance, and "doing little" is subjective. After years of being in a corporate rat race, my retirement activities would seem like I am "doing little". But I am grateful for the luxury of choice in retirement. If taking it...
by kacang
Sun Aug 11, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10911

Re: Healthy fast food

Minimize carbs and portion control. Eg, In & Out (California burger chain) will replace the buns for their burgers with lettuce wrap. It's not on their regular menu, but they will do it if asked.
by kacang
Fri Aug 02, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: 'Gas Card' for teen - best option?
Replies: 29
Views: 1479

Re: 'Gas Card' for teen - best option?

This has worked well for us over the years, for gas money & more. Our children's checking accounts are linked to ours, and they are authorized users on my Chase credit card. End of month, we tally expenses for our household budget & do a reconciliation across accounts. I like this arrangement as it ...
by kacang
Wed Jul 31, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3420

Re: Gifts to Bring when Traveling Overseas

Nicely packaged spiced/roasted almonds? California is the world's largest producer of almonds
by kacang
Sun Jul 21, 2019 12:05 pm
Forum: Personal Investments
Topic: Voyager Select vs Flagship
Replies: 14
Views: 1700

Re: Voyager Select vs Flagship

The same Flagship rep has been assigned to us for the last few years, and he's competent and friendly. We are largely DIY and have only needed him for some administrative questions. But as our kids became adults, he has helped them managed their own accounts. We are more comfortable with that, than ...
by kacang
Thu Jul 18, 2019 1:08 am
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 58
Views: 19224

Re: Picking up New Subaru-Worth buying extended warranty?

If you do decide you'd like an extended warranty, shop around for a better price. We found a 7-year warranty for our Odyssey for ~$1k (this was in 2012), which was reasonable for the peace of mind. Since then, we've had some electronic issues (back-up camera, navigation system) and the repair/replac...
by kacang
Wed Jul 17, 2019 11:09 pm
Forum: Personal Investments
Topic: How exactly does maxing a 401k work when you're approaching the limit line?
Replies: 27
Views: 2256

Re: How exactly does maxing a 401k work when you're approaching the limit line?

Check with your plan administrator. In my past employer's 401K plan with Fidelity, I can choose to cap the pre-tax at the limit (thus only the allowable portion is deducted from paycheck, even though the contribution was set at a higher amount), or I can choose to let the excess pre-tax spill automa...
by kacang
Tue Jul 16, 2019 11:23 pm
Forum: Personal Consumer Issues
Topic: Want a 2 in 1 laptop
Replies: 28
Views: 2792

Re: Want a 2 in 1 laptop

Timely question. I just bought a Samsung Note 9 Pro. It has very good reviews, DS has one and he appreciates its impressive battery life, display and speed. It's on sale at Best Buy currently, and I received an additional student discount as I'm enrolled in a class at the community college. Link: ht...
by kacang
Mon Jul 01, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 22170

Re: Do you share your net worth with family members?

Apart from spouse, no. At best, the family members are glad for you and you move on with no issues. OTOH, they can become resentful & demanding, and it complicates your relationships with them. Also word can spread and may lead to undesirable consequences. DH & I are frugal and lowkey, but my vario...
by kacang
Sun Jun 30, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 22170

Re: Do you share your net worth with family members?

Apart from spouse, no. At best, the family members are glad for you and you move on with no issues. OTOH, they can become resentful & demanding, and it complicates your relationships with them. Also word can spread and may lead to undesirable consequences. DH & I are frugal and lowkey, but my variou...
by kacang
Wed Jun 26, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: Hiring landscapers that do a great job
Replies: 18
Views: 1489

Re: Hiring landscapers that do a great job

+1 small operation through word of mouth recommendation. We have used the same small local landscaping company for a decade and have a great relationship with the owner. He's onsite every time to check on his crew's work and they do good work for us and several neighbors (which is were we learned ab...
by kacang
Mon Jun 17, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 6453

Re: Are you a member of nextdoor.com? Any concerns registering your info?

I find Nextdoor useful. Last year, we had a spate of car break-ins and the neighbors near the affected households shared their security camera videos with the police, which helped them nab the culprits. Another example, there was a lost elderly person who suffered from dementia, and a timely post on...
by kacang
Tue Jun 11, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Careers that combine art/design and science?
Replies: 36
Views: 1751

Re: Careers that combine art/design and science?

We may be in similar situation. DS is looking into the Bachelor of Science in Digital Arts & Sciences offered by College of Engineering in UFlorida, as the creative/design work + STEM combination is appealing to him, we are still trying to learn more about it.
by kacang
Sat Jun 01, 2019 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on a hydrid CS-design degree
Replies: 5
Views: 430

Re: Your thoughts on a hydrid CS-design degree

Any engineering major will start with the hard sciences, math and intro courses in multiple engineering disciplines (EE, ME, CS). As he progresses, he'll figure out if he does or doesn't click with the discipline he thought he wanted to go into. He may also find that the eng/arts major is or isn't ...
by kacang
Fri May 31, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on a hydrid CS-design degree
Replies: 5
Views: 430

Your thoughts on a hydrid CS-design degree

DS will be a freshman at UFlorida and a major he is looking at is the BS in Digital Arts and Sciences offered by the Engineering college. Per UF website, it's a hybrid degree of computer science and arts. If anyone has insights into this or similar program, I would greatly appreciate hearing your th...
by kacang
Tue May 14, 2019 5:49 am
Forum: Personal Investments
Topic: Social security should you take early if you don’t need the money?
Replies: 24
Views: 2968

Re: Social security should you take early if you don’t need the money?

OP - as mentioned, there are nuances that will affect the answer; several good points have already been made. If you are married, you should also consider your spouse's SS timing. Also, are you subject to WEP? The open social security tool may be a good place to start.
by kacang
Tue May 14, 2019 5:24 am
Forum: Personal Consumer Issues
Topic: Help me figure out cotton shirt mystery
Replies: 21
Views: 2632

Re: Help me figure out cotton shirt mystery

inbox788 wrote:
Mon May 13, 2019 6:47 pm
You can't even get an old fashioned pair of Levis without new stretchy fibers nowadays. I might be in the minority, but I don't like it
DH likes the old fashioned stiff-as-board Levis and Kohls carried them the last time we checked.
by kacang
Mon May 13, 2019 5:44 am
Forum: Personal Finance (Not Investing)
Topic: W-2 earner looking to lower effective tax rate
Replies: 33
Views: 4179

Re: W-2 earner looking to lower effective tax rate

As a W2 wage earner, there isn't very much other than what you are already doing. We max out backdoor Roth & megaRoth within our 401k. Since these would be part of our post-tax savings anyways, might as well put it in a (future) tax-free space. We also use muni's in taxable and total bond in 401k fo...
by kacang
Thu May 09, 2019 11:38 pm
Forum: Personal Investments
Topic: Best low-balance custodial Roth IRA for kids?
Replies: 10
Views: 812

Re: Best low-balance custodial Roth IRA for kids?

Good for her! Glad she is getting a good start at such a young age. Our kids started Roth IRAs at Vanguard after they had part-time W2 jobs, for the same reasons you cited (no min, no fees). DS1 wanted a set-and-forget-it Target Date fund and he had enough income to do it. DS2 wanted VTSAX and some ...
by kacang
Fri May 03, 2019 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Family Trust
Replies: 25
Views: 3491

Re: Family Trust

nth-ing getting a estate planning lawyer. Does your work benefit include legal services, such as Hyatt Legal? They may cover trusts and such
by kacang
Mon Apr 29, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Trust investment choices for a difficult beneficiary
Replies: 115
Views: 8198

Re: Trust investment choices for a difficult beneficiary

Thank you OP for posting this. We are amending our trusts soon due to life changes, and this thread has been educational. Made us more aware of potential issues of sibling trustee.
by kacang
Sat Apr 13, 2019 1:38 am
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 113
Views: 10926

Re: Gardening 2019

I am using the lights also as heat. I use 2 40W fluorescent lights for 2 trays to keep at 80F during 2-3 weeks of germination, and then reduce temperature to 72F via opening the enclosure. Temperature in basement is 62F, is not heated, but finished. When I used to garden in zone 5, I would start th...
by kacang
Thu Apr 11, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 113
Views: 10926

Re: Gardening 2019

The last few months of rain ended our years-long drought. Key goal this year will be rehab our front yard, planting more drought tolerant natives and more of the survivors. Remarkably, the roses did better than the lavenders. All my roses made it vs only 1 out of 10+ lavenders. Nasturtiums, my favor...
by kacang
Wed Apr 10, 2019 1:07 am
Forum: Personal Investments
Topic: Pay off mortgage better or worse than investing in bonds?
Replies: 24
Views: 3226

Re: Pay off mortgage better or worse than investing in bonds?

Another data point for you to consider. We're paying down our 2.75% 15 year mortgage, for several reasons; 1. Mortgage interest is not deductible for us. SALT takes up all 24k space. 2. Our marginal tax bracket is high. If the funds were invested, TEY needs to exceed 5% to cover mortgage interest ra...
by kacang
Thu Apr 04, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Scholarship trigger Kiddie tax and AMT for kid?
Replies: 14
Views: 1122

Re: Scholarship trigger Kiddie tax and AMT for kid?

Thanks for the advice and good wishes. One thing I was wrong about was how the taxable part of the scholarship is treated. It is considered unearned income for Kiddie tax, but earned income for determining deduction. The latter will help him a lot. In reading IRS 970 again, - The scholarship pays qu...
by kacang
Thu Apr 04, 2019 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Scholarship trigger Kiddie tax and AMT for kid?
Replies: 14
Views: 1122

Scholarship trigger Kiddie tax and AMT for kid?

DS received a scholarship that will cover full cost of attendance at an out-of-state college and he will be starting freshman year this fall. Along with the good news, it seems the scholarship will complicate his taxes considerably in the coming years. Is my understanding below correct? Is there any...
by kacang
Tue Apr 02, 2019 11:17 pm
Forum: Personal Investments
Topic: Mortgage as negative bond = YIKES! Should I panic?
Replies: 37
Views: 3569

Re: Mortgage as negative bond = YIKES! Should I panic?

My mortgage balance is $578,000 (3.875%, 37% marginal fed tax rate). Can't help you with the negative bond question, we exclude the house from the rest of our portfolio. But at this tax bracket, it may be worth paying off some of the mortgage rather than parking the cash in money market. 3.875% is ...
by kacang
Tue Apr 02, 2019 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Any *disadvantages* to citizenship?
Replies: 74
Views: 4215

Re: Any *disadvantages* to citizenship?

1 - If you are prone to criminal acts, then citizenship would be a good idea 2 - If you are a high net-worth individual, then citizenship would be a bad idea. Should be the other way around, really. Not sure if I agree with #2. High networth individuals have to consider carefully the inheritance an...
by kacang
Sun Mar 17, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 8604

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

Yes, please get her the minivan. We "made do" with an Accord and traded it in for an Odyssey around the same age/mileage for the Accord. We too are frugal and had the same discussion about whether it was financially sensible. Within months we were wondering why we didn't get the minivan sooner, lol....
by kacang
Fri Mar 15, 2019 12:59 am
Forum: Investing - Theory, News & General
Topic: 90 day waiting period for Vanguard Flagship
Replies: 37
Views: 4371

Re: 90 day waiting period for Vanguard Flagship

Whakamole wrote:
Fri Mar 15, 2019 12:08 am
Maybe they think people will take advantage of Flagship benefits and then transfer out. I'm not sure which benefit.
Access to otherwise closed funds?
by kacang
Wed Mar 13, 2019 1:02 am
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 6841

Re: Peanut Butter recommendations

DH has tried to convert me to more natural/hip/healthier PB, but alas I'm too much of a proletariot and I keep coming back to Skippy Extra Crunchy. A thick layer of that with banana slices on toast. Yumm. Brings back memories of being a poor grad student :happy
by kacang
Mon Mar 11, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Best Account for teenager
Replies: 21
Views: 1033

Re: Best Account for teenager

We start our kids with a simple savings & checking account at our local credit union where we bank. Kids use venmo/ApplePay/GooglePay/etc nowadays and those are linked to their checking accounts. They also have Roth started at Vanguard once they started part-time/summer work. We used that to teach t...
by kacang
Sun Mar 03, 2019 9:42 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 384
Views: 54920

Re: Roll Call for the Retirement Class of 2019!

bluelight wrote:
Fri Mar 01, 2019 2:09 pm
I'm already on the 2019 Roll Call, with an unknown date (and age?) . Please change the date to March 29. The age is 62.

This month is going to take forever to get through, but I'm looking forward to a beautiful spring.
I know! Mine will be a week after you, counting down now
by kacang
Sat Feb 23, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: I have the answer - 4% plus 2 years (or 3.7% if you prefer)
Replies: 81
Views: 6910

Re: I have the answer - 4% plus 2 years (or 3.7% if you prefer)

This reminds me of Kitces' bond tent to mitigate effect of bad sequence of returns at the start of retirement. He discussed it in terms of portfolio size, but might we consider size and withdrawal rates different sides of the same coin?
by kacang
Fri Feb 22, 2019 8:08 pm
Forum: Personal Investments
Topic: PSA: Turbotax Vanguard 1099 import problems
Replies: 5
Views: 538

Re: PSA: Turbotax Vanguard 1099 import problems

Maybe this only affected folks whose accounts were converted. DH's account was converted in Q1 last year and we had similar problems. Dividends from the old mutual fund account was reported in a separate 1099-DIV. Dividends from after conversion to a brokerage account were reported in the consolidat...
by kacang
Wed Feb 20, 2019 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: High earners: thoughts on college and aid
Replies: 91
Views: 7763

Re: High earners: thoughts on college and aid

A timely topic for us as our younger kid is HS senior making his college decision soon. We did not receive any need-based aid, this was anticipated. Our plans were 1. Community college + transfer to UC. So a UC degree for half the price. We considered the trade offs and felt this was a reasonably at...
by kacang
Sat Feb 09, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Would you eat lab grown meat?
Replies: 64
Views: 1993

Re: Would you eat lab grown meat?

Would you consider the Impossible Burger lab grown? The heme protein, a key ingredient to making it "meat-like", is produced via fermentation by genetically engineered yeast. Not too dissimilar to how some drugs are made. It tastes good, like meat, even gives me the "I ate too much protein" aftertas...
by kacang
Sun Feb 03, 2019 2:47 am
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 5739

Re: Mazda Miata as Daily Commute Fun Car?

Would it be possible to rent one for a week and try commuting in it? What is your commute route and weather like? I'm in CA, weather is perfect for convertibles. One of my commute routes is along a mountain range. My Miata is my fun weekend car and my commute car when I am not carpooling. Can't thin...
by kacang
Sat Feb 02, 2019 1:54 pm
Forum: Personal Investments
Topic: We won the game, went to 50/50, but it just doesn't feel right
Replies: 108
Views: 12551

Re: We won the game, went to 50/50, but it just doesn't feel right

Good thread, I am following this with much interest as we are facing a similar situation. Would setting an asymmetric rebalance band be a good compromise, eg. 5/10 for lower/upper? OPs' target AA is 50/50, so rebalance from fixed to stock if actual stock portion < 45% and from stock to fixed only if...