Search found 197 matches

by taurabora
Tue Jun 30, 2020 8:41 am
Forum: Personal Consumer Issues
Topic: Job candidate sending messages via LinkedIn
Replies: 62
Views: 3596

Re: Job candidate sending messages via LinkedIn

I have seen several job search advice columns recommend that candidates do exactly what this candidate did. “Find out who the hiring manager is and follow up with them.”
by taurabora
Thu May 14, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Companies that have a pension and 401k?
Replies: 63
Views: 3575

Re: Companies that have a pension and 401k?

Pension plus 2/5/10% 401k deposit (based on years of service). Not counting on pension, though.
by taurabora
Tue Apr 28, 2020 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6140

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

I believe my workplace will go back to the same way it was before. They are very old-fashioned, and dislike change.
by taurabora
Sun Apr 12, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 6682

Re: What Amazon Prime (free) movies y'd recommend ?

True Grit (2010) on Amazon Prime.

Tinker Tailor Soldier Spy on Netflix.

Freakonomics is available on YouTube. https://youtu.be/IZ5GOpy0yzM
by taurabora
Sun Apr 05, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: Gaming the capital gains loss deduction?
Replies: 11
Views: 1009

Re: Gaming the capital gains loss deduction?

In a way, it seems you are alluding to one of the disadvantages to index fund investing (compared to individual stocks). If it was possible to purchase all 500 companies in the S&P500 instead of investing in an SP500 index fund, you would benefit from greater tax loss harvest flexibility. After all...
by taurabora
Tue Mar 31, 2020 12:08 pm
Forum: Personal Investments
Topic: Why buy treasuries when CD rates are so much better?
Replies: 42
Views: 4347

Re: Why buy treasuries when CD rates are so much better?

I put in a bid-quote request with Fidelity for some of my brokered CD’s, just to see what price I could get for them. All the offers I got were low-ball. The CD’s are generally 8-10 years, with a 3% yield, and I was getting offers of less than $1000 per CD on some of them. I’m thinking it is probabl...
by taurabora
Fri Jan 31, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: How to decide a job change from Chicago to Houston?
Replies: 52
Views: 2917

Re: How to decide a job change from Chicago to Houston?

I think it would depend where in the city of Houston the new job is, and if you can afford to live close by. For example, if you are working in the TMC, and can afford West University home prices, that would be pretty sweet. If your home budget is more in the Katy/Sugarland range, that commute is te...
by taurabora
Wed Jan 22, 2020 8:48 am
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21400

Re: Total Stock Market Index - Section 199A dividends this year

So, are these taxed at a 20% rate? And formerly they would have been taxed at marginal tax rate?
by taurabora
Thu Jan 16, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 709
Views: 93857

Re: Best CD rates thread

So if it's (say) 0.4%, you would get the Treasury. That premium almost certainly exceeds the state tax bite. Is the rest the premium you're paying for liquidity ? I don’t have state taxes, so that isn’t a consideration. So yes, I’ve generally been able to get a 0.5% “small investor”/liquidity premi...
by taurabora
Thu Jan 16, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 43898

Re: Engineers - What are you making?

Chemical Engineer, BS, No PE 13 Years Work in an Oil Refinery in Houston (MCOL?) Generally 50 hours per week. Just finished an outage of around 2 months with 13 days on / 1 off @ 12-14 hours per day. $140k + 15% Bonus 5% Company 401k contribution (soon to be 10%) Occasional stock awards of ~$10k ESP...
by taurabora
Sun Jan 05, 2020 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 709
Views: 93857

Re: Best CD rates thread

What should the expected relation be ? Treasuries are more liquid, no state taxes, no FDIC limit. Both have a sovereign guarantee (implicit for CDs) How much difference should that translate into ? I don't actually know the answer to that, but I invite comments. I generally try to find 10-year brok...
by taurabora
Wed Oct 02, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12127

Re: Ponder this, BH's... is Ben & Jerry's worth it?

No. HEB (Texas) store brand ice cream is much better and much cheaper.
by taurabora
Sat Sep 14, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 12094

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

I switched to Xfinity Mobile from Verizon. My bill went from ~$90 for 4 GB to ~ $30 for 3 GB. I’m generally always on Wifi, but even if I went over, it is only $12/GB.
by taurabora
Thu Sep 05, 2019 11:42 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile Questions
Replies: 13
Views: 1422

Re: Xfinity Mobile Questions

I just made the switch from Verizon to Xfinity Mobile. We went from 4 GB per month at $91/month to 3 GB per month for $30 ($12/GB overage) + taxes.

Seemed like a no brainer once I actually looked at it.
by taurabora
Mon Jul 22, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Getting more out of Google Home Mini
Replies: 10
Views: 872

Re: Getting more out of Google Home Mini

I know I can set up my own playlists on YouTube and Google Play but I don't think I can play them directly through my Home Mini.
I'm not sure why you think that. You definitely can use the Cast button to send whatever is playing in the Youtube Music or Youtube or Google Play app to the Mini.
by taurabora
Wed Jul 10, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 11659

Re: Who cuts your hair? And for how much?

I've been shaving my head for 20 years. I would figure about $40 per year for the cost of clippers.
by taurabora
Sun Jun 09, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: ReFi home to get 3.5% interest rate?
Replies: 31
Views: 3387

Re: ReFi home to get 3.5% interest rate?

Here's a weird thing:

On mtgprofessor.com, if I enter my current loan details (LTV greater than 80%), I get a rate of 3.625%. But if I enter a LTV of 80% or less, I get a rate of 3.875%. This is mystifying...
by taurabora
Fri Apr 19, 2019 6:59 am
Forum: Personal Investments
Topic: Vanguard wire transfers without 'medallion signature guarantee'
Replies: 8
Views: 1381

Re: Vanguard wire transfers without 'medallion signature guarantee'

Could you ACH to an online bank account, then ACH to Transferwise?
by taurabora
Tue Feb 26, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 8466

Re: Who does their own taxes?

I use Free Fillable Forms to do my taxes. After I am complete, I check it against TurboTax (without submitting).
by taurabora
Mon Oct 01, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 34870

Re: Anyone want to share their monthly budget? Here's ours

2018 Gross Pay 11,083 Pre-Tax Deductions 455 FSA 100 Roth 401(K) 1,552 Income Tax 971 SS Tax 631 Medicare Tax 148 GESPP 582 Life Insurance 20 Net Pay 6,625 Mortgage PITI 2,100 Water 90 Electricity/Gas 250 Netflix/Amazon 20 Comcast 115 Verizon 164 Auto Insurance 143 Groceries 800 Fuel 250 D's Fun Mon...
by taurabora
Fri Aug 03, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 97280

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Well, I bought $24.92 worth of this fund because that was the leftover cash I had in my account. We'll see how it goes.
by taurabora
Thu Jul 05, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 6129

Re: Every Other Friday Off

I am currently on 9/80, and have been for 6 years. When I was traveling for work, I found it to be great, but now that I work at a plant, I would prefer a traditional schedule or something like 4 10s. The reason for this is that the 9 hour day puts you in heavy rush hour traffic on one or both sides...
by taurabora
Thu Mar 29, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 14314

Re: Anyone feel like talking "R"

Not R, but I just finished the Stanford machine learning class on Coursera. It gave me a new appreciation for the joys of MATLAB. I will forever hate MATLAB, as I was scarred by my first CompSci course at university, which used MATLAB. The class was required for every engineering major and the prof...
by taurabora
Thu Mar 08, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Filed 2017 taxes electonically for FREE
Replies: 46
Views: 6673

Re: Filed 2017 taxes electonically for FREE

I just use https://www.freefilefillableforms.com. I check my math with TurboTax, but don't file with them.
by taurabora
Sun Aug 27, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Salary History for Chemical Engineer
Replies: 30
Views: 6234

Re: Salary History for Chemical Engineer

My progression was quite similar as a Chemical engineer.

1. 50k
2. 58k
3. 62k
4. 68k
5. 87k + 10% (Job change)
6. 96k + 10%
7. 104k + 10%
8. 114k + 10%
9. 128k + 15% (Internal promotion)
by taurabora
Tue Aug 22, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Mike Piper and CDs
Replies: 54
Views: 8649

Re: Mike Piper and CDs

Is that true if interest rates increase at the same time the stock market drops? I expect they behave as any other bond would. I was just responding to earlier comments about CDs not being able to capture gains during stock market drops. The market is not the same, so there is probably some more bi...
by taurabora
Tue Aug 22, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: Mike Piper and CDs
Replies: 54
Views: 8649

Re: Mike Piper and CDs

I am slowly converting my bond position into brokered CDs in my Fidelity IRA. The current yield premium is about 0.5% on 10 year treasuries and 0.7% on 5 year. And they can be sold at a gain, should the stock market drop.
by taurabora
Thu Sep 12, 2013 10:34 pm
Forum: Personal Consumer Issues
Topic: Android Tablet
Replies: 42
Views: 4988

Re: Android Tablet

If it were me, I would wait until the Nexus 10 refresh.
by taurabora
Fri Sep 06, 2013 10:56 am
Forum: Personal Consumer Issues
Topic: Verizon - tracking data usage
Replies: 20
Views: 2055

Re: Verizon - tracking data usage

The Android Data Settings break it down by app. I've never had a need for anything more than the stock functions.

Image
by taurabora
Wed Jan 23, 2013 4:03 pm
Forum: Personal Consumer Issues
Topic: Cable TV with NO SPORTS Channels... Yep!
Replies: 49
Views: 3979

Re: Cable TV with NO SPORTS Channels... Yep!

Just cut the cord and watch (nearly) everything you want (except sports) via your Internet connection when you want to watch it.
by taurabora
Thu Nov 15, 2012 5:18 pm
Forum: Personal Consumer Issues
Topic: What would you do if USPS close down completely?
Replies: 34
Views: 1997

Re: What would you do if USPS close down completely?

I would be happy, because it would force people/businesses who currently mail me things to switch to email/online. All those people out of work wouldn't help the unemployment rate any, though.
by taurabora
Tue Oct 02, 2012 4:06 pm
Forum: Personal Investments
Topic: .
Replies: 23
Views: 2993

Re: Texas Real Estate: Rent vs. Buy

I'm in Houston, struggling with this same problem. My rent has been increasing at 10% per year, though, so that is really pushing me towards buying.
by taurabora
Sat Sep 29, 2012 2:17 pm
Forum: Personal Consumer Issues
Topic: Tailoring Clothes
Replies: 30
Views: 3965

Re: Tailoring Clothes

I had a shirt and suit tailored after I lost weight. It looks great on me, now. My wife took a dress to the same place, and it looks worse than before she took it in. It has been hit or miss.
by taurabora
Thu May 10, 2012 10:33 am
Forum: Personal Consumer Issues
Topic: EPA MPG Adjustment for Premium Fuel
Replies: 26
Views: 2226

Re: EPA MPG Adjustment for Premium Fuel

The EPA is concerned with reducing usage, not the associated costs. So from this perspective MPG, not MP$ seems to be the appropriate measure. One thing I do wonder though. Is there more waste when refining gas to get higher octanes than refining for lower octanes? If so is there some way to measur...
by taurabora
Thu May 10, 2012 9:46 am
Forum: Personal Consumer Issues
Topic: EPA MPG Adjustment for Premium Fuel
Replies: 26
Views: 2226

Re: EPA MPG Adjustment for Premium Fuel

amarone wrote:On the other hand, you could have a metric of "cents per mile", which would take into account the cost difference.
This hits the nail on the head for the metric we should be using, as far as financial performance of the car.
by taurabora
Wed Apr 18, 2012 2:57 pm
Forum: Personal Consumer Issues
Topic: iPhone on Verizon - how to get best deal
Replies: 8
Views: 1916

Re: iPhone on Verizon - how to get best deal

If your employer has partnered with Verizon to offer discounted phones/plans that may be an option. My employer's site through Beneplace (this seems to be the site that most big companies use) has iPhone 4S for $199, so the store offer is cheaper. However, you can purchase the phone/plan through a s...
by taurabora
Tue Apr 17, 2012 10:06 pm
Forum: Personal Consumer Issues
Topic: Ford CEO: Battery Is Third of Electric Car Cost
Replies: 51
Views: 4654

Re: Ford CEO: Battery Is Third of Electric Car Cost

Ford CEO: Internal Combustion Engine is Third of Gasoline-Powered Car Cost
by taurabora
Sun Apr 08, 2012 10:39 am
Forum: Investing - Theory, News & General
Topic: Fidelity and ABB breach 401K fiduciary duties
Replies: 11
Views: 1896

Re: Fidelity and ABB breach 401K fiduciary duties

I did find the ruling on that justicia site. Of course, I can't say if it is the "official" ruling because it didn't come from the court website, but you can see the full document from 3/31, so it is a good bet that it is the official ruling. http://docs.justia.com/cases/federal/district-courts/miss...
by taurabora
Thu Apr 05, 2012 3:15 pm
Forum: Investing - Theory, News & General
Topic: Fidelity and ABB breach 401K fiduciary duties
Replies: 11
Views: 1896

Re: Fidelity and ABB breach 401K fiduciary duties

I reviewed Nanette Laughrey's rulings on http://courtweb.pamd.uscourts.gov/courtweb/QuickFind.aspx, but I didn't see anything regarding ABB or Fidelity in 2010, 2011, or 2012. Article says the trial and ruling were in early 2010. Ah-ha! Edit2: http://docs.justia.com/cases/federal/district-courts/mis...
by taurabora
Tue Apr 03, 2012 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend to get taxes done?
Replies: 86
Views: 6769

Re: How much do you spend to get taxes done?

$0. Free Fillable Forms for Federal and Texas has no income tax.
by taurabora
Mon Mar 19, 2012 8:06 pm
Forum: Investing - Theory, News & General
Topic: Annuity Case Chills Insurance Agents
Replies: 30
Views: 2979

Re: Annuity Case Chills Insurance Agents

How about agents who prey on the uninformed?

My FIL got locked into an Ameriprise Roth IRA with 5.75% Load and a 2% expense ratio. That should be criminal.
by taurabora
Mon Mar 19, 2012 8:55 am
Forum: Personal Finance (Not Investing)
Topic: New job, Roth 401k rollover, HSA Contribution
Replies: 7
Views: 706

Re: New job, Roth 401k rollover, HSA Contribution

Why not join your spouse's HDHP plan and bump her HSA contribution to the equivalent of $6250/year for the rest of the year, once you move to the new job? Am I missing something? - Porcupine Believe me, I would love to. Her plan forbids covering spouses if the spouse's employer offers health insura...
by taurabora
Mon Mar 19, 2012 8:06 am
Forum: Personal Finance (Not Investing)
Topic: New job, Roth 401k rollover, HSA Contribution
Replies: 7
Views: 706

Re: New job, Roth 401k rollover, HSA Contribution

Thanks very much Alan S. Both Roth accounts have gains at the moment, so my available emergency funds would be Roth IRA Contributions + Roth 401k Contributions. I would also have some Roth IRA earnings + Roth 401k earnings in the account.
by taurabora
Sun Mar 18, 2012 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: New job, Roth 401k rollover, HSA Contribution
Replies: 7
Views: 706

Re: New job, Roth 401k rollover, HSA Contribution

Thanks for the reply. I suppose I will just send the rollover into an IRA/Roth IRA at Vanguard, then. My spouse is covered by her own HDHP/HSA (which she will max out), so I believe my limit is $3,100. I will probably just keep the money in the current HSA account, and use it when an expense comes u...
by taurabora
Sun Mar 18, 2012 9:26 am
Forum: Personal Finance (Not Investing)
Topic: New job, Roth 401k rollover, HSA Contribution
Replies: 7
Views: 706

New job, Roth 401k rollover, HSA Contribution

I will be starting a new job in a few weeks. Some background: Married, 15% tax bracket, 0% State (TX) Current 401k: Traditional: 62% Roth Contributions: 36% Roth Earnings: 2% I currently use the contributions portion of my Roth IRA FDIC Savings account as my emergency fund, since I cannot both max o...
by taurabora
Thu Mar 01, 2012 3:56 pm
Forum: Personal Investments
Topic: Advice for the new ROTH for TSP?
Replies: 14
Views: 1267

Re: Advice for the new ROTH for TSP?

A major disadvantage of the Roth TSP as I see it is the requirement to take Required Minimum Distributions. Unless you are beyond the income limits, I think for most people the Roth IRA would be the more advantageous choice. Nothing stopping you from rolling the Roth TSP into a Roth IRA and having ...