Search found 25 matches

by boobinson
Thu Mar 08, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 760K home
Replies: 32
Views: 3500

Re: Can we afford a 760K home

$18k/year in property taxes and you don't even have children yet? That's quite a bit of money to shell out every year... and it's not even tax deductible anymore.
by boobinson
Thu Apr 28, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 13870

Re: Any stay at home parents regret the decision?

I went to 30hrs/week because we felt my DD's school day and my DS's preschool day were too long. We'd drop them off at 7:45am and pick them up at 5:30pm. Now I get to their aftercare around 3:00pm and both don't want to leave. So, I end up hanging out at the after care for an hour or two everyday wh...
by boobinson
Mon Jul 20, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Saturna Capital for an HSA?
Replies: 9
Views: 1511

Re: Saturna Capital for an HSA?

I haven't made a withdrawal. I just make a single trade a year to keep it active. If you don't reinvest dividends/gains, you have enough funds to buy a few shares at year end.
by boobinson
Mon Jul 20, 2015 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Saturna Capital for an HSA?
Replies: 9
Views: 1511

Re: Saturna Capital for an HSA?

I use Saturna for my HSA as well. Their website isn't great but it works... and it can be used in Mint as well.
by boobinson
Tue Jul 14, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Good Mortgage Companies?
Replies: 21
Views: 4119

Re: Good Mortgage Companies?

Gotta say that I hated every mortgage company I had until I started using NFCU and PFCU. I had mortgages sold multiple times, with the transactions completely messed up, escrows misplaced, communicating with the new company as well as countless other issues. I'm sure other decent companies exist, b...
by boobinson
Tue Jul 14, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Good Mortgage Companies?
Replies: 21
Views: 4119

Re: Good Mortgage Companies?

Pretty much everyone loves their mortgage company. My suggestion is to use the Zillow Mortgage Tool . It is the best of the online mortgage comparison sites. Best of all is that you do not supply any contact information, so the quotes are anonymous. I have used it for a refinance and a home purchase...
by boobinson
Tue Jun 30, 2015 1:12 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 42838

Re: What ratio are you stocks/bonds and how old are you?

Him: 35
Her: 39
Ratio: 80/20

Reading this thread has made me reevaluate my ratio... I don't think I've thought about it much for the past few years.
by boobinson
Tue Sep 30, 2014 3:47 pm
Forum: Personal Consumer Issues
Topic: Android Apps for Toddlers
Replies: 17
Views: 1806

Re: Android Apps for Toddlers

Our all time favorite is Kapu Forest . That one is free. They make a pay app called Kapu Blocks which is pretty good, but a little more for preschoolers. A fun puzzle game with animals is Live Puzzle! Forest Animals . We also enjoy some of the Dr. Seuss story books like Green Eggs and Ham . I'd also...
by boobinson
Fri Aug 22, 2014 10:12 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 137
Views: 41815

Re: my review of my HSA with Saturna brokerage

JacobyTT wrote: Does anyone with Saturna track the account on Mint? Mint won't recognize my Saturna credentials.
In Mint, add account "NetExchange Client". For Financial Organization Number, enter "PEC".
by boobinson
Mon Aug 18, 2014 9:21 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 137
Views: 41815

Re: my review of my HSA with Saturna brokerage

Is there any clarity on: 1. the cost for trading a Vanguard fun? ($14.95 or $14.95 + $10?) 2. whether Vanguard Target Retirement Funds are available? 3. whether admiral shares are available without a $10,000 minimum investment? TYIA 1. The cost for trading a Vanguard fund is $14.95. 2. Vanguard Tar...
by boobinson
Thu May 29, 2014 12:32 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 137
Views: 41815

Re: my review of my HSA with Saturna brokerage

buffalo wrote:
Easy Rhino wrote: And, if I set my Saturna brokerage account to automatically reinvest dividends, would there be a $14.95 transaction fee each time a dividend is reinvested, or does that happen free of charge?
It says in their Brokerage Fee Schedule that it's $1 per event.
by boobinson
Wed Nov 06, 2013 1:19 pm
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 27298

Re: Shiller Thinks Owning a Home is a Terrible Investment

I did not follow this part. In any case though, mortgage related stuff is unrelated to these calculations IMO - that's just related to your loan for the equity investment in your condo. This is unrelated to rent comparable costs like your others. I also think opportunity costs you mentioned should ...
by boobinson
Wed Nov 06, 2013 11:57 am
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 27298

Re: Shiller Thinks Owning a Home is a Terrible Investment

Okay, so this thread inspired me to build a calculator to see how much I am paying a month in home ownership expenses. A similar one probably already exists somewhere, but I made my own. So, I have lived in a condo/townhome type home for 6 years. I combined all of my of my monthly expenses: insuranc...
by boobinson
Fri May 31, 2013 12:36 pm
Forum: Personal Consumer Issues
Topic: Home alarm security systems
Replies: 21
Views: 4176

Re: Home alarm security systems

I used the do-it-yourself kind with simplisafe. It literally took about an hour to set everything up. I've had it for about 2 years, and we've been mostly happy. It's $15/month and doesn't require a landline.
by boobinson
Tue Apr 30, 2013 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice – young professionals planning to adopt
Replies: 14
Views: 1712

Re: Portfolio advice – young professionals planning to adopt

Well, we are almost through the whole adoption process. We were placed with our son in October and we'll hopefully have the adoption finalized within the next month. Feel free to ask me any questions. Based upon the conversation so far, here are some notes: 1) If you're deciding between internationa...
by boobinson
Tue Feb 26, 2013 9:44 am
Forum: Personal Consumer Issues
Topic: AMEX Premium car rental insurance. Worth getting?
Replies: 40
Views: 15027

Re: AMEX Premium car rental insurance. Worth getting?

[Unethical suggestion removed by admin LadyGeek.]
by boobinson
Thu Feb 07, 2013 4:20 pm
Forum: Personal Consumer Issues
Topic: FMLA & General Thoughts on Employee Leave
Replies: 4
Views: 926

Re: FMLA & General Thoughts on Employee Leave

My wife and I used FMLA for both of our children. I agree that employees do not need to be compensated for maternity or paternity leave. However, it frustrates me when the conversation revolves around paid maternity leave, while paid paternity leave does not seem to be given equal consideration by t...
by boobinson
Thu Dec 13, 2012 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Hidden cost of Bid-Ask spread in purchasing ETF's
Replies: 27
Views: 4937

Re: Hidden cost of Bid-Ask spread in purchasing ETF's

Let's use VSS. Closed at 90.23 average bid/ask is .18%/16 cents. I'm surprised this doesn't get brought up more often. VSS is a great example. The ETF has an expense ratio of .28%, but having to pay .18% buying and selling really gives it an effective expense ration of .64%. That's pertty expensive...
by boobinson
Mon Dec 03, 2012 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Edward Jones?
Replies: 44
Views: 6378

Re: Thoughts on Edward Jones?

I'm in the same boat... my 67 year old dad has a relationship with his EJ advisor where they talk all the time, and have become buddies. I think they even golf together every once in awhile, and the EJ advisor even sent me a pewter baby rattle on the birth of my daughter. Just recently my Dad was te...
by boobinson
Thu Nov 15, 2012 9:57 am
Forum: Investing - Help with Personal Investments
Topic: REIT/commodities: reducing volatility in the acc. phase
Replies: 37
Views: 4348

Re: REIT/commodities: reducing volatility in the acc. phase

Another issue with commodity ETFs is that due to contango and backwardation (two things I still can't understand), ETFs don't accurately track commodity indices. An alternative is a commodity ETN, but then you are adding the risk of the ETN issuer defaulting.
by boobinson
Fri Oct 19, 2012 8:40 am
Forum: Investing - Theory, News & General
Topic: Your Best One Line of Wisdom
Replies: 238
Views: 19935

Re: Your Best One Line of Wisdom

Never co-sign a loan...ever.
by boobinson
Thu Aug 09, 2012 11:38 am
Forum: Personal Consumer Issues
Topic: Austria / Slovenia Recommendations?
Replies: 23
Views: 2265

Re: Austria / Slovenia Recommendations?

So both of my grandparents are Viennese, and they recommend Griechenbeisl for a restaurant (even though it's quite touristy), and Eissalon am Schwedenplatz for gelato. My personal favorite Viennese dishes are Wiener Schnitzel and Gulasch w/ knodel. Desserts are definitely the highlight of Viennese c...
by boobinson
Thu Jul 26, 2012 3:25 pm
Forum: Personal Consumer Issues
Topic: Planning for kids Checklist
Replies: 25
Views: 4128

Re: Planning for kids Checklist

If anyone wants to unload their old crib on you, beware of drop side cribs , as they are potentially unsafe and now banned. It's actually best if you don't buy a used crib or used car seat. Many cribs from even 10 years ago would not pass today's rigorous standards (drop side or not). Used car seat...
by boobinson
Thu Apr 19, 2012 11:39 am
Forum: Personal Consumer Issues
Topic: Tempurpedic mattress--worth price? Finance it?
Replies: 63
Views: 16444

Re: Tempurpedic mattress--worth price? Finance it?

I bought the Walmart foam mattress recommended on http://sleeplikethedead.com , http://www.walmart.com/ip/Spa-Sensations/10086752 . We've had it for a year and have been pleased with it. We wanted a foam mattress on the firmer side, and this fits the bill. I don't experience any warmness issues, whi...
by boobinson
Mon Dec 12, 2011 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: is there any upside to year end distributions
Replies: 11
Views: 1474

Re: is there any upside to year end distributions

Based on this disucssion, would it make sense to hop like funds to avoid dividends. If I'm due to be paid a dividend on a fund at the end of the month, would it make sense to swap to a fund following the same or similar index that has already paid its dividend? Then you could defer the taxes that wo...