Search found 171 matches

by taurabora
Thu Mar 29, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 12813

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: 4993

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: 5632

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: 7437

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: 7437

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: 4811

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: 1985

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: 3797

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: 1922

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: Investing - Help with Personal Investments
Topic: Texas Real Estate: Rent vs. Buy
Replies: 23
Views: 2859

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: 3849

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: 2106

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: 2106

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: 1853

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: 4380

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: 1857

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: 1857

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: 6478

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: 2911

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: 668

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: 668

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: 668

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: 668

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: Investing - Help with Personal Investments
Topic: Advice for the new ROTH for TSP?
Replies: 14
Views: 1194

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 ...
by taurabora
Wed Feb 22, 2012 9:57 pm
Forum: Investing - Theory, News & General
Topic: New American Dream is renting to get rich - Reuters
Replies: 162
Views: 12222

Re: New American Dream is renting to get rich - Reuters

My rent has gone:

2008: 767
2009: 728
2010: 850
2011: 953
2012: 1200

It really is a crapshoot from year to year.
by taurabora
Thu Feb 16, 2012 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House (or Home) Do You Need? [Square Footage Poll]
Replies: 10
Views: 1350

Re: How Much House (or Home) Do You Need? [Square Footage Po

1) 2
2) 1500
3) 1.5
4) Townhouse or Bungalow SFH
by taurabora
Mon Feb 13, 2012 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: I Bond vs CDs?
Replies: 8
Views: 997

Re: I Bond vs CDs?

If only you could buy I-bonds in a Roth IRA... Why, though? I Bonds are already tax-deferred. Not saying I wouldn't buy some in addition if the cap were unlimited, but it is the last place I would put I Bonds for tax efficiency. They are better than TIPS, right? Higher yields , no risk of loss, put...
by taurabora
Mon Feb 13, 2012 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: I Bond vs CDs?
Replies: 8
Views: 997

Re: I Bond vs CDs?

If only you could buy I-bonds in a Roth IRA...
by taurabora
Fri Jan 13, 2012 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Cell Phone Tax Avoidance
Replies: 8
Views: 1247

Re: Cell Phone Tax Avoidance

My company pays for my cell phone, so I avoid that tax. Directly, at least.
by taurabora
Mon Jan 09, 2012 10:58 am
Forum: Personal Consumer Issues
Topic: Sherlock - BBC series on Holmes set in 21st Century
Replies: 67
Views: 6577

Re: Sherlock - BBC series on Holmes set in 21st Century

Saw the first set of episodes on Netflix. I will definitely be watching the second set.
by taurabora
Sun Jan 08, 2012 5:50 pm
Forum: Investing - Theory, News & General
Topic: The Bottom Line: Just sit there.
Replies: 31
Views: 4830

Re: The Bottom Line: Just sit there.

How about: "Get up once per year, otherwise: sit there" ?
by taurabora
Tue Dec 20, 2011 4:50 pm
Forum: Investing - Theory, News & General
Topic: That's quite a spread
Replies: 3
Views: 683

That's quite a spread

Image
by taurabora
Sun Dec 18, 2011 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best Shopping Club (Sam's Club, BJs, Costco)
Replies: 91
Views: 9403

Re: Best Shopping Club (Sam's Club, BJs, Costco)

I've never been to a BJ's. Costco and Sam's are fairly comparable.

We went with Costco for two reasons.

1. They pay their employees a decent wage.
2. They accept Amex, which syncs well with my Fidelity 2% Retirement Rewards Amex card.
by taurabora
Thu Dec 08, 2011 11:02 pm
Forum: Personal Consumer Issues
Topic: Favorite Podcasts
Replies: 42
Views: 5239

Re: Favorite Podcasts

Hardcore History

He has a great series called Death Throes of the Republic about the events leading to the downfall of Rome.
by taurabora
Mon Dec 05, 2011 10:46 am
Forum: Personal Consumer Issues
Topic: You get what you pay for
Replies: 42
Views: 3421

Re: You get what you pay for

You certainly don't get what you pay for when using actively managed mutual funds vs index funds.
by taurabora
Fri Dec 02, 2011 11:47 pm
Forum: Personal Consumer Issues
Topic: The best PC free software (safe too)
Replies: 38
Views: 3707

Re: The best PC free software (safe too)

Everyone should know about Ninite: https://ninite.com/

Check off what apps you want. Download the installer. They all get installed.
by taurabora
Mon Nov 28, 2011 9:13 pm
Forum: Personal Consumer Issues
Topic: Salary Requirement for Job Opening
Replies: 16
Views: 2113

Re:

Marmot wrote:What about starting at the truth? Put your minimum and be done with it.
Because that's a surefire way to get them to offer your minimum, and nothing more?
by taurabora
Mon Nov 28, 2011 3:29 pm
Forum: Personal Consumer Issues
Topic: Redshirting school age children
Replies: 113
Views: 6282

Re: Redshirting school age children

You might also weigh this against the cost of having the kid at home/daycare/loss of one parent's income for another year.
by taurabora
Mon Nov 21, 2011 7:57 pm
Forum: Personal Consumer Issues
Topic: Best Way To Roast A Turkey
Replies: 30
Views: 3791

Re: Best Way To Roast A Turkey

campy2010 wrote:What in the world is Tony?
Tony Chachere's Creole Seasoning

Also, Lifehacker recently posted Cook's Illustrated's (America's Test Kitchen) Roast Brined Turkey recipe:

http://lifehacker.com/5860136/this-is-h ... -your-life
by taurabora
Thu Nov 17, 2011 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card
Replies: 33
Views: 3818

Re: Best credit card

I prefer the simplicity of the Fidelity Amex 2% Cashback into my Roth IRA, which I buy commission-free ETFs with.
by taurabora
Tue Nov 15, 2011 4:44 pm
Forum: Personal Consumer Issues
Topic: When To Upgrade To A New Computer
Replies: 39
Views: 3702

Re: When To Upgrade To A New Computer

When to upgrade to a new computer?

When it stops doing what you want, at a speed you are comfortable with, when you have the money.
by taurabora
Tue Nov 15, 2011 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your emergency fund?
Replies: 67
Views: 9772

Re: Where do you keep your emergency fund?

ING Direct Roth IRA FDIC Savings
by taurabora
Wed Nov 09, 2011 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Renegotiating with an employer when you are underpaid....
Replies: 47
Views: 4266

Re: Renegotiating with an employer when you are underpaid...

I just found out that new hires at my company will be making 23% more than I do with ~4 years of experience. I am bummed out since I expect my company to offer their standard 3% "raise".
by taurabora
Sun Oct 23, 2011 8:28 am
Forum: Personal Finance (Not Investing)
Topic: ING Direct's Orange Savings drops to 1% APY
Replies: 33
Views: 5332

Re: ING Direct's Orange Savings drops to 1% APY

Oct 21, 2011 Interest Rate Change to 0.896% (0.90% APY) (Savings)
by taurabora
Sun Oct 23, 2011 8:23 am
Forum: Personal Finance (Not Investing)
Topic: 2012 Health Insurance Increases Thread
Replies: 32
Views: 4144

Re: 2012 Health Insurance Increases Thread

555 wrote:0% should be a poll option. We had that 2 years in a row.
I was an option, but then when the forum upgrade happened, it somehow became an additonal 11-20% option.
by taurabora
Fri Oct 14, 2011 9:52 am
Forum: Personal Consumer Issues
Topic: "House Hunters"(TV show)...who are these people?
Replies: 45
Views: 9133

I like these kind of shows, because it gives me an idea of what housing is like in different cities.

I don't really pay attention if the budget is $400k+, though.
by taurabora
Wed Oct 12, 2011 7:50 am
Forum: Personal Finance (Not Investing)
Topic: 2012 Health Insurance Increases Thread
Replies: 32
Views: 4144

2012 Health Insurance Increases Thread

Mine is going up by 21%, AND we are switching to a HDHP w/ HSA.

Deductible is increasing from $500 to $1500 for single.

Large self-insured employer.
by taurabora
Thu Oct 06, 2011 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America to Charge $5/Month for Debit Cards
Replies: 148
Views: 13736

There needs to be movement by the Fed/Treasury into the electronic money space. I can pay cash for everything, but the minute I want to buy something online, I somehow need a bank and VISA to allow me to do this?

No.
by taurabora
Wed Sep 21, 2011 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: How close do you get on your federal taxes?
Replies: 45
Views: 5143

I set my withholding at the beginning of the year, so that I estimate I will receive $100 back. I've usually been within $10 of this figure.