Search found 2806 matches

by rob
Thu Dec 14, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Roofing Question Ice Build Up
Replies: 22
Views: 1306

Re: Roofing Question Ice Build Up

I have never heard this before. Interesting trick. My roof is 3 stories high so no way am I getting up there. It does work, sort of. It would not be my first, nor second choice. However if you are in the dead of winter with a ice dam forming it is a solution that can be implanted quickly and cheapl...
by rob
Wed Nov 29, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3284

Re: Older Software Engineer Advice ~ Languages?

I didn't see how long you need to survive..... If it's short term then I would scrub up with the known base. If it's long term... I would take a hit now to get on a different path.
by rob
Wed Nov 29, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: The impact of expenses - a call for creativity
Replies: 19
Views: 1303

Re: The impact of expenses - a call for creativity

Creative? Humm... a 2x4? :D I wish I knew the answer to your question for my 19yr old son.... In the end they have to come to understand for themselves obviously. If they are not turned off by numbers - a simple spread sheet can show the drag pretty quickly (maybe a bar chart over time with an incre...
by rob
Thu Nov 23, 2017 11:31 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 8920

Re: Why does everyone keep increasing their international stock %?

simplesauce wrote:
Thu Nov 23, 2017 8:55 pm
He now recommends 50% US/50% International.
Welcome back... I'm still here at 50/50 :D
by rob
Tue Nov 21, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12146

Re: Help DW gets fired, but then next day her boss offers her job back

Careful about reduced hours.... Make sure it's not dropping her below the benefits.

I want to say stick to same pay as before or stay fired but sounds like you need the money...... What are the realistic changes or a new job? How long can your emergency fund last? If good then stick to it.
by rob
Tue Nov 21, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5823

Re: Uber for someone who knows only taxis

<snip>newer-model car capable of carrying 4 passengers.<snip> This has not been my experience... I've had a number of very old/dirty cars.. and a couple of ex cabs :-/ It's one of my main issues... I just don't want to drive in a smoking car or one manufactured a decade or more ago. I can get a cab...
by rob
Fri Nov 03, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Withdrawing cash from ATM in Ireland this morning
Replies: 13
Views: 1343

Re: Withdrawing cash from ATM in Ireland this morning

Do you have a 6 digit pin? If so try the first 4 digits only.... That used to be an issue years ago and while I assume it's long fixed... banks move slowly.
by rob
Thu Nov 02, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have a good health care plan?
Replies: 11
Views: 715

Re: Do I have a good health care plan?

Our plans have the glide path of a crashing airplane.... Deduct is 14K and Max is 21K. Cost is more than yours AFTER we jump thru the stupid hoops of running a marathon each week, otherwise it's more than double your cost.
by rob
Wed Nov 01, 2017 7:10 am
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 9535

Re: I'm fairly young but done with saving money

The future has a way of not working out like you expect..... at least save to get any company match, no point leaving money on the table.
by rob
Tue Oct 24, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Very social, impactful, fun job ideas?
Replies: 8
Views: 1265

Re: Very social, impactful, fun job ideas?

Teaching at community college? IT skills are helpful to them. They generally get less attention then they deserve IMO. You will have less students that are burning time and with the larger than usual part-time/working students, you might get some better interactions than with kids. EDIT: If you real...
by rob
Sun Oct 22, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: When one reaches the 1 million mark what to do with all the money?
Replies: 33
Views: 6467

Re: When one reaches the 1 million mark what to do with all the money?

jayk238 wrote:
Sat Oct 21, 2017 3:28 pm
2. keeping large sums of money either on hand or in safe deposits (within insured amounts at fdic bank)
I don't see why that nbr is special either... but this one is dangerous. Most SDP will not insure cash if the bank is robbed or burns down and large sums in your house has obvious issues.
by rob
Sat Oct 21, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5435

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

The Maserati's looks are beautiful and the exhaust note is music to my ears, but it lacks the power vs something like these turbo v8 sedans (400 hp vs 600) but the main thing I love is the low end torque (400 in the Maserati vs 700 in the E63). Yeah I hear ya but your going to have to compromise to...
by rob
Sat Oct 21, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5435

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

Ever looked at Maserati? I always thought they were in that middle ground where I think your looking... and have something more than the usual Benz/BMW.

Edit: A tesla might fit into this group more... and the uprated model S might be interesting.
by rob
Tue Oct 17, 2017 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Should I contribute 100% of paycheck to 401k?
Replies: 13
Views: 2618

Re: Should I contribute 100% of paycheck to 401k?

The match is the thing but it's not always bad... some companies do a "true-up", so you get any missed matching early the following year. Then the question becomes do you get more from front loading vs the gains on the delayed match. If there is no match, then I would front-load as you suggest (most...
by rob
Sun Oct 15, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: So I did this...Capital One Money Market $200 bonus
Replies: 21
Views: 2668

Re: So I did this...Capital One Money Market $200 bonus

They never paid my 400 bonus from a couple of months ago... so I just closed my account. Hope you have better luck....
by rob
Sat Oct 07, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 91
Views: 9198

Re: Flagship Reps

DaftInvestor wrote:
Sat Oct 07, 2017 5:34 pm
I've never had to talk to anyone at Vanguard and I can't imagine why I would ever need to.
I only talk to them to fix error/limitations on the web-site. If they fix the web-site, I happily not talk to anyone :oops:
by rob
Wed Oct 04, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7648

Re: Lowes vs Home Depot

I used both until Lowes cheated my on a dishwasher & install.... Starting with incompetence & lies about the real costs and ending with no interest from higher ups to address issues. I cannot recommend enough to buy stuff elsewhere! Anywhere else.
by rob
Tue Oct 03, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 33793

Re: Vanguard Customer Service

Which website are you referring to (smallbiz.vanguard.com ; my.vanguardplan.com ; investor.vanguard.com ; other )? I'm referring to this site: https://retirementplans.vanguard.com/VGApp/pe/PublicHome#/ Neat, add that one to the list. Maybe that's for larger plans, I'm not personally familiar with t...
by rob
Mon Sep 25, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 92
Views: 5469

Re: Do you subscribe to digital newspapers?

I have not had a paper version in decades.... Never moved to the digital versions as lost faith in "news". When I have more time I will do a digital sub to the economist or alike. I do miss the old-timers on the TUBE (London)... folding the financial times is a lost art form... just amazing to watch.
by rob
Fri Sep 22, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 11934

Re: VG wants everyone to transfer to a brokerage account?

For those of you fearing this, what are the potential negatives? On balance, I'd rather have the flexibility of a brokerage account vs not. - Some people work in a position that require any brokerage accounts to be transferred in-house so the compliance dept can see activity - usually mutual fund a...
by rob
Thu Sep 21, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 11934

Re: VG wants everyone to transfer to a brokerage account?

They convinced me to convert one account to "fix" an issue (meaning their old system is coded wrong).... The "new" platform did NOT fix the old issue but did add several other issues. They are going to have to convert me with a gun over my objection until they can prove that the "new" platform at le...
by rob
Sat Sep 09, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 52069

Re: Equifax customer information leak

I didn't see this mentioned... but the process to add a credit card to android pay also uses one of those places for info [no clue which one].... I expect that a freeze would also stop that process.
by rob
Fri Sep 08, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 52069

Re: Equifax customer information leak

It's better to get a PIN from the IRS as soon as you have a legitimate cause to request one. This breach would be a legitimate cause. I should have done that after the Anthem breach and saved myself the trouble. Here's the IRS site: https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-pro...
by rob
Fri Sep 08, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: How many funds in your retirement accounts?
Replies: 56
Views: 4958

Re: How many funds in your retirement accounts?

kamo wrote:
Wed Dec 05, 2012 7:37 am
Too many!
Yeah.... I have a lot of duplicate funds due to the stupid nbr of little buckets - 2 x roth, 2 x trad, 2 x rollover, taxable, 401k, 457, 529 etc
by rob
Mon Sep 04, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores are stupid
Replies: 18
Views: 1549

Re: Credit scores are stupid

Yup... I saw my score almost a decade back when I refinanced - at that point it was 810, otherwise no clue what it is. I pay off all cards like you and have never been denied credit when I applied and have far less assets than you and carry a small mortgage.
by rob
Thu Aug 24, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 100
Views: 8745

Re: Crashplan for Home ending service late 2018

For those considering Carbonite.... I left them after finding out they effectively do NOT allow any real volume ("unlimited" is an inside joke) - They slow the upload after a fairly small size, so you can never actually get the initial backup done if you have a decent sized file set. Add me to the u...
by rob
Sun Aug 20, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Wine pairing
Replies: 8
Views: 931

Re: Wine pairing

Mix of big reds, port and muscat.... something with a bit of weight. Any good wine store will have someone who can make some suggestions....
by rob
Sun Aug 20, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14674

Re: I own no international stocks. Can you guess why?

Because you just wanted to lob that comment into the forum like raw meat in the tiger cage :D
by rob
Sun Aug 20, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Optimizing Roth/Traditional in mixed account
Replies: 12
Views: 1142

Re: Optimizing Roth/Traditional in mixed account

If you want to do this; Let's say you contribute 50%/50% to pretax/Roth.... Start in Jan with Roth and contribute to a stock fund.... then swap to pre-tax in June and swap future allocation to a bond fund. I know it's all mixed by money type inside the account but the sub-accounts would be closer to...
by rob
Sat Aug 19, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1546

Re: Home Theater Help

This is one of those you just have to hear things..... Once you know what types of speakers & components you like, you can look at similar gear. Speakers in the roof are seldom a great option - certainly at the front. Go to best buy and give them a firm price for receiver/front/rear. If your mixing ...
by rob
Sat Aug 19, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.
Replies: 9
Views: 3154

Re: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.

Reads to me like active mgt forced into an index fund in my case (not sure what other funds this was include against)..... It calls for a subjective judgment and IMO that's not the intention of index funds - if the security meets the definition it should be included in the index. There are other law...
by rob
Sun Aug 13, 2017 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Please help, Public school(Move) or Private school(Stay-put) ?
Replies: 16
Views: 1762

Re: Please help, Public school(Move) or Private school(Stay-put) ?

Thank you, I will prepare for long commutes. Can you pls share some insights on why you avoided expat communities ? If I wanted an homogenous experience I would have stayed home.... To me the aim of living in another country is to experience life as a "local" and experience something out of your ow...
by rob
Wed Aug 09, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in 529 if leaving US in 5 years
Replies: 5
Views: 590

Re: Invest in 529 if leaving US in 5 years

Check the official list... 529 money can be spend in several non US universities - although that's less of an issue in the UK with their system. I don't know the UK treaty to know if that's a good idea or not.
by rob
Mon Aug 07, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Please help, Public school(Move) or Private school(Stay-put) ?
Replies: 16
Views: 1762

Re: Please help, Public school(Move) or Private school(Stay-put) ?

Seems to me the important variables here are school and commute..... School is important and for 12+ years. Is your job something you love and plan to be there a decade or two? Is that even a thing now? If not then optimize the school and suck up the commute until you can find a more convenient job....
by rob
Sat Aug 05, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Is it stupid to consider a defined contribution cash balance pension as part of my bond allocation?
Replies: 18
Views: 2027

Re: Is it stupid to consider a defined contribution cash balance pension as part of my bond allocation?

Is it vested? I reduce the value by the vesting scheduling because I don't consider unvested portion as "mine" yet.
by rob
Sat Aug 05, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: only have 401k & emergency funds. what's next?
Replies: 24
Views: 1913

Re: only have 401k & emergency funds. what's next?

Agree with above except I would ask why are you talking about investing.... Get spending under control, pay off credit cards now (waste of time without first step), then all money to loans. That level of income will save you after you get rid of most of that debt (and certainly all of the cc debt).
by rob
Fri Aug 04, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Organizing small electronics (portable mp3 players)
Replies: 11
Views: 979

Re: Organizing small electronics (portable mp3 players)

Wireless headsets? They are pretty good now.... and you'll never go back :-)
by rob
Wed Aug 02, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 10349

Re: Burned out at 28. Do I have enough?

Now, I didn't go from making $120k to $50k. But, I also have a wife and 3 kids to consider. You have options. A spouse and 3 kids is not a hole lot different than 120 down to 50 (five of us also) :shock: To the OP.... Is there any way to swap employers and take a smaller hit? If it's the career, th...
by rob
Mon Jul 31, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Deductible Traditional IRAs
Replies: 7
Views: 878

Re: Non-Deductible Traditional IRAs

I think you can lodge an 8606 without a tax return.....

As for Trad IRA... It was not a bad decision (I did the same thing)... it's a case of strategy vs outcome not matching due to future tax changes :(
by rob
Mon Jul 31, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 10550

Re: [Amazon Prime Day]

Helo80 wrote:I'm talking about a billion dollar company that wants to make money off of me.
Amazon is far more than a billion dollar company :-)
by rob
Mon Jul 31, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Say Bye Bye To Wells Fargo Advisors?
Replies: 30
Views: 3449

Re: Say Bye Bye To Wells Fargo Advisors?

Do you "like" them enough to give up a stack of cash over the years (do the maths with and without in dollars so you can make a rational decision)? Exactly what value do they add to you - some of this can be subjective holding hands stuff? If that subjective value is higher than the long-term costs ...
by rob
Mon Jul 31, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 4925

Re: Fidelity Tries to Out-Vanguard Vanguard With Latest Fee Cuts

Great.... gota love self interested loss leading to get the AUM up. Fido has been a great option for passive index investors for a while now and seems to be getting better :D
by rob
Mon Jul 31, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 3092

Re: Filling bookshelves cheaply

I once worked in an old office that had huge shelves filled with 2-4 inch folders with fancy looking names & numbers on the spine (it was supposed t be an IT methodology but had some std law folders as well)....... We moved offices not long after I started and 90% of them were completely empty folde...
by rob
Sun Jul 30, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2359

Re: Sunroom Worth It?

Yes... I think they are great especially in winter when you get those sunny days....
by rob
Sun Jul 30, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: New 2018 Honda Odyssey Problem - Need Advice
Replies: 39
Views: 6189

Re: New 2018 Honda Odyssey Problem - Need Advice

I know this is not ideal... take it to a suspension place and see what options you have to improve the ride....
by rob
Sun Jul 30, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Where to put $300 401k rollover
Replies: 4
Views: 418

Re: Where to put $300 401k rollover

Just cash it out..... IMO it's not worth the hassle for suck a small amount.
by rob
Sat Jul 29, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Master's or Master's PLUS MBA Dual Degree
Replies: 14
Views: 1287

Re: Master's or Master's PLUS MBA Dual Degree

"Education" seems more interested in letters on pieces of paper than most industries, so for a little extra hassle and if you can hang out a little longer; just get it.
by rob
Sat Jul 29, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 5937

Re: BMW Z3 or Z4 or nothing at all?

Z3 every time over the Z4.... Just a personal thing but I love the classic lines of the 3 but hate the squareness of the 4. The answer is not always a Mazda :-) although I also love the Boxter S from that same era, I would still do the Z3.
by rob
Fri Jul 28, 2017 9:06 pm
Forum: Investing - Theory, News & General
Topic: Why are there RMDs on ROTH 401ks?
Replies: 19
Views: 2200

Re: Why are there RMDs on ROTH 401ks?

I expect your question is the wrong way around.... They were not made that way, a Roth option was just added with the RMD provision not changed to match IRA's. Also the $$ can be far larger than an IRA, so maybe it's not an accident :D I don't have any references....