Search found 56 matches

by keq1381
Thu May 04, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for Mortgage Downpayment < 20%
Replies: 28
Views: 1962

Re: Strategy for Mortgage Downpayment < 20%

Given that the PMI is essentially unavoidable
This is not necessarily true. Some credit unions do not charge PMI and still offer reasonable rates. Check with your credit union and any others you may able to join.
by keq1381
Wed Apr 05, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 4439

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

My gf's employer gives them 20 days of vacation and sick time per year. However, if you leave the company the employer keeps the PTO and there is no payout for the time. This starts the second you give a 2 week(or however long you want to give) notice. A girl just gave a 2 1/2 week notice that she ...
by keq1381
Tue Jun 14, 2016 7:48 am
Forum: Personal Consumer Issues
Topic: Reasonably Priced Red Wines
Replies: 47
Views: 3928

Re: Reasonably Priced Red Wines

Rosemount Estate Shiraz
by keq1381
Fri May 20, 2016 8:31 am
Forum: Personal Consumer Issues
Topic: Whats the point of MBA? Should I get it if I'm going to Cyber Security career?
Replies: 36
Views: 2673

Re: Whats the point of MBA? Should I get it if I'm going to Cyber Security career?

I have worked in IT security for just under 10 years now. Most of the advice below is pretty solid, and I have a few comments: - If you pursue a graduate degree, stick to CS. Most of the security-related degrees teach the wrong things (e.g. focus on policy and tools) - If you are interested in penet...
by keq1381
Thu Apr 07, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 8838

Re: Dallas suburbs or Northern Virginia for me?

I have lived in both areas, and here are my thoughts: - The cost of living in Dallas is far cheaper than Northern VA (NoVA). - Property taxes are high in Texas, but they are nearly as high in NoVA. - There is no state income tax in Texas. - Texas is not like the rest of the South, and your perceptio...
by keq1381
Tue Dec 08, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take the job?
Replies: 58
Views: 6291

Re: Should I take the job?

No, you have only been at your current job for two months!
by keq1381
Sat Nov 29, 2014 5:51 pm
Forum: Personal Consumer Issues
Topic: TV buying recommendations
Replies: 44
Views: 4425

Re: TV buying recommendations

I used this site to help me decide between two tvs:

http://www.rtings.com/

The reviews are detailed and impartial.
by keq1381
Tue Jun 24, 2014 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Reducing Expenses for Future Family
Replies: 77
Views: 5113

Re: Reducing Expenses for Future Family

I think MMM might disagree. I'm not saying what you quoted is not true for some people I'm providing a link to one that seems to have gotten around that figure. In my experience (three kids 6 years old and younger), the MMM article sounds about right ($300/mo) and it might even be a little high. It...
by keq1381
Mon Feb 24, 2014 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Kid on the way... Can wife stay at home?
Replies: 34
Views: 3463

Re: Kid on the way... Can wife stay at home?

I think your wife can and should stay home with little change in your lifestyle other than the changes a baby would require you to make. However, if I was in your position I would: - As suggested by others, look into reducing cell and cable bills and try to eliminate PMI. - IMO, life insurance on ch...
by keq1381
Tue Jul 30, 2013 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: teaching kids about money
Replies: 29
Views: 2375

Re: teaching kids about money

The best thing I have been able to come up with so far is the concept of "family jobs" and "money jobs." "Family jobs" are chores that the child must perform as a member of the family, whereas "money jobs" are extra tasks I give them the option of performing f...
by keq1381
Mon Jun 03, 2013 2:22 pm
Forum: Personal Consumer Issues
Topic: Costco holdout considering membership
Replies: 117
Views: 9448

Re: Costco holdout considering membership

I don't get it but the primary reason people are listing for not joining Costco is impulse purchases. It's no different there than at any other store. That's a pretty lame excuse.. Here are my (hopefully not lame) reasons for not joining Costco: - Their hours are not great, which makes the store cr...
by keq1381
Wed May 15, 2013 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Milestones for Retirement Saving
Replies: 16
Views: 4215

Re: Milestones for Retirement Saving

I found this article a few years ago, and I find it to be much better than the Fidelity guidelines: http://corporate.morningstar.com/ib/documents/methodologydocuments/ibbassociates/nationalsavingsguidelines.pdf See Table 2 to calculate the suggested savings rate (including employer match) based on y...
by keq1381
Mon Apr 22, 2013 1:55 pm
Forum: Personal Consumer Issues
Topic: Looking for advice on Wine.
Replies: 33
Views: 2956

Re: Looking for advice on Wine.

I really like Rosemount Estates Shiraz. It's about $8 - $10 a bottle.
by keq1381
Tue Apr 02, 2013 8:01 am
Forum: Personal Consumer Issues
Topic: kitchen faucets
Replies: 25
Views: 3492

Re: kitchen faucets

Get the style that you like best. One thing to watch for: the inexpensive faucets have a plastic neck (the part between the handle and where the water comes out). These can easily break especially if they are the tall kind that stick up from the sink, and pots and pans are being moved past the sink...
by keq1381
Fri Feb 22, 2013 10:23 am
Forum: Personal Finance (Not Investing)
Topic: How much do you spend in a week? (Mon-Sun)
Replies: 50
Views: 4492

Re: How much do you spend in a week? (Mon-Sun)

It works out to about $600/week for my family (2 adults and 2.5 children).
by keq1381
Thu Jan 24, 2013 9:59 am
Forum: Personal Consumer Issues
Topic: How much to spend on a new washer & dryer
Replies: 66
Views: 18509

Re: Consumer Reports

BigOil wrote: Leave the washer door OPEN when not in use...or you may get mildew and stench! We bought it based on CR reviews.


+1

Because of this, we got a top loading washing machine without the agitator.
by keq1381
Wed Jan 23, 2013 10:41 am
Forum: Personal Consumer Issues
Topic: Cable TV with NO SPORTS Channels... Yep!
Replies: 49
Views: 3694

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

Thanks for the information! Unfortunately, you lose too many other channels... :annoyed
by keq1381
Sun Jan 13, 2013 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Performance
Replies: 39
Views: 3775

Re: TSP Performance

KyleAAA wrote:I wish the government would replace 401k's with the TSP plan.


President George W. Bush tried that with Social Security...
by keq1381
Sun Dec 23, 2012 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: PMI
Replies: 14
Views: 2082

Re: PMI

What do you mean by the short term? Do they change your rate at some point even though it is a fixed rate? I spoke w/dd today and found out that they were quoted 3.87% for a mortgage at $417,000 (I think that is the most you can get w/o PMI) and they put $60,000 down. They purchased their house for...
by keq1381
Sun Dec 23, 2012 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 3393

Re: Portfolio Review Request: Newly Married

Check out the Lazy Portfolios: http://www.bogleheads.org/wiki/Lazy_portfolio They will help you capture all sectors and reduce overlap; I like the Core Four Portfolio proposed by Rick Ferri. I with it were that easy though. With restricted options in the 401ks I am left with having to patch holes. ...
by keq1381
Sun Dec 23, 2012 9:46 am
Forum: Personal Finance (Not Investing)
Topic: PMI
Replies: 14
Views: 2082

Re: PMI

My mortgage is with Navy Federal. I was able to get the best rate they offered at the time with only 5% down. Unless things have changed, the rate your dd is getting may not just be related solely to the down payment. However, avoiding PMI (which will cost > $200 a month) is well worth a small incre...
by keq1381
Thu Dec 20, 2012 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 3393

Re: Portfolio Review Request: Newly Married

Check out the Lazy Portfolios: http://www.bogleheads.org/wiki/Lazy_portfolio

They will help you capture all sectors and reduce overlap; I like the Core Four Portfolio proposed by Rick Ferri.
by keq1381
Fri Nov 30, 2012 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Extra Principal vs. Investing
Replies: 25
Views: 2502

Re: Extra Principal vs. Investing

The Wizard wrote:Perhaps split the extra money in half and do both an IRA and principal pay-down.
Over coming years, you might expect pay raises and additional extra income such that you can top out your IRA ($5500) and then throw the remainder at your mortgage!


+1
by keq1381
Sun Nov 04, 2012 10:39 am
Forum: Personal Consumer Issues
Topic: Baby Gear Recommendations
Replies: 19
Views: 3380

Re: Baby Gear Recommendations

I highly recommend this for a high chair: http://www.amazon.com/Fisher-Price-Healthy-Deluxe-Booster-Green/dp/B0000DEW8N/ We used it for our two children from the time they were able to sit up until around three years old (stop using the tray when your child is big enough to use the table). The main ...
by keq1381
Fri Jun 15, 2012 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Pursue job switch from private to federal.
Replies: 53
Views: 5557

Re: Pursue job switch from private to federal.

I made the opposite switch: Information Technology Management (2210) -> Private Sector Here are my thoughts: - Government IT positions are primarily management positions (e.g. you manage government contractors doing technical work) - The government typically pays less for IT positions, but has bette...
by keq1381
Fri Jun 15, 2012 9:02 am
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 124
Views: 9113

Re: Foreign film night recommendations.

Korean Film Recommendations:

The Chaser
Shiri
Oldboy
The Man From Nowhere
Memories of Murder

There are lots more that I can't think of....
by keq1381
Tue Apr 10, 2012 1:14 pm
Forum: Personal Consumer Issues
Topic: Is there a best time to buy new Car/SUV?
Replies: 11
Views: 2188

Re: Is there a best time to buy new Car/SUV?

According to this article (and others) September through the end of the year (especially the end of the month) is the best time to buy a car:

http://lifehacker.com/5872627/the-best- ... ng-in-2012
by keq1381
Tue Apr 03, 2012 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with TSP holdings?
Replies: 14
Views: 1293

Re: What to do with TSP holdings?

Thanks everyone! It seems like my thinking is in line with those who replied. The only reason I can think of taking my money out of TSP is to consolidate my accounts (mainly because I do not expect to retire for 25+ more years), but it doesn't seem worth the increase in expense ratio...
by keq1381
Tue Apr 03, 2012 11:32 am
Forum: Investing - Help with Personal Investments
Topic: What to do with TSP holdings?
Replies: 14
Views: 1293

What to do with TSP holdings?

I stopped working as a federal employee 2.5 years ago, and I kept the money I accumulated in TSP. I do not expect to return to work as a federal employee, and I am starting to wonder if i should keep the money in TSP or roll it over to a Vanguard IRA. Any thoughts?

Thanks!

keq1381
by keq1381
Thu Jan 19, 2012 9:27 am
Forum: Personal Consumer Issues
Topic: Boglehead food cost Poll
Replies: 85
Views: 5775

Re: Boglehead food cost Poll

Wow! I am in the low cost plan, but it sure doesn't feel like it, and based on those numbers I am not looking forward to the impact my kids will have on our food budget when they grow up. :?
by keq1381
Wed Jan 18, 2012 7:59 am
Forum: Personal Consumer Issues
Topic: Need some advice on shredder
Replies: 39
Views: 3471

Re: Need some advise on shredder

Other than security, a good reason to buy a cross-cut shredder vs a strip shredder is bulk. A stack of paper cut into strips takes up much more room than what you get from a cross-cut shredder.
by keq1381
Tue Jan 10, 2012 10:27 am
Forum: Personal Consumer Issues
Topic: Sherlock - BBC series on Holmes set in 21st Century
Replies: 67
Views: 6487

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

I enjoyed Sherlock quite a lot. Another show I really enjoyed was Luther. Both are available on Netflix streaming.
by keq1381
Fri Jan 06, 2012 9:28 am
Forum: Personal Consumer Issues
Topic: Military retirement upcoming; suggested retirement location?
Replies: 19
Views: 3517

Re: Military retirement upcoming; suggested retirement locat

Does your husband plan to work after retiring from the military or fully retire? Either instance will have an impact on your options...
by keq1381
Tue Dec 27, 2011 12:19 pm
Forum: Personal Consumer Issues
Topic: Traffic behavior on I95
Replies: 32
Views: 3759

Re: Traffic behavior on I95

I'll stake Maryland drivers against Virginians. A Maryland driver on a two lane road will slow down for traffic coming in the opposite direction. A Maryland driver approaching one of the state's new speed cameras will slow down to below the posted limit - even when approaching from the direction no...
by keq1381
Sat Dec 24, 2011 10:15 am
Forum: Personal Consumer Issues
Topic: Self moving with U-haul
Replies: 33
Views: 3166

Re: Self moving with U-haul

Pay special attention to the mileage rates!! In my last move (about 100 miles round trip), we used a Budget truck, since they charged $0.26/mile whereas U-Haul charged $0.99/mile.
by keq1381
Fri Dec 09, 2011 12:38 pm
Forum: Personal Consumer Issues
Topic: What's the most overrated book you've read?
Replies: 193
Views: 10843

Re: What's the most overrated book you've read?

Yay! It's not just me! I really didn't care for Catch-22 or Catcher in the Rye.
by keq1381
Wed Oct 26, 2011 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Too late to buy I-Bonds through TreasuryDirect?
Replies: 18
Views: 2092

Re: Too late to buy I-Bonds through TreasuryDirect?

I don't know too much about I-Bonds, but wouldn't it be better to wait until November to see if the fixed rate will be increased (currently 0%)? The inflation rate is changing from 4.6% to 3.06%, and that will affect all I-Bonds, right? Makes absolutely no sense to me to wait until Nov. when you al...
by keq1381
Wed Oct 26, 2011 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Too late to buy I-Bonds through TreasuryDirect?
Replies: 18
Views: 2092

Re: Too late to buy I-Bonds through TreasuryDirect?

I don't know too much about I-Bonds, but wouldn't it be better to wait until November to see if the fixed rate will be increased (currently 0%)? The inflation rate is changing from 4.6% to 3.06%, and that will affect all I-Bonds, right?
by keq1381
Fri Oct 21, 2011 1:30 pm
Forum: Personal Consumer Issues
Topic: New Computer - hard drive partitioned???
Replies: 16
Views: 1653

Re: New Computer - hard drive partitioned???

I would leave the partitions as they are because the manufacturer most likely separated out your data/programs from the operating system, so you would not lose your data if Windows fails.
by keq1381
Sun Sep 18, 2011 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help with info on company match
Replies: 18
Views: 1480

My nonprofit has an exceptional 403b match:
2.5% automatic employer contribution and a 2:1 match up to 4%, which means that if you put in 4%, they put in 10.5%! The contributions start after one year and there is no vesting, and they use Vanguard as the plan manager.
by keq1381
Tue Jul 12, 2011 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Help needed in career path decision making and family
Replies: 28
Views: 3038

Number seven is EASY. Kids #1 and #2 are now old enough to help. Number seven is THEIR responsibility. Heh, we did that with #3... The girls were 16 and 10 when he was born. Help me understand the reasoning behind this. I understand that parents need help, but isn't it the parents' responsibility t...
by keq1381
Tue Jul 12, 2011 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Help needed in career path decision making and family
Replies: 28
Views: 3038

Number seven is EASY. Kids #1 and #2 are now old enough to help. Number seven is THEIR responsibility. Heh, we did that with #3... The girls were 16 and 10 when he was born. Help me understand the reasoning behind this. I understand that parents need help, but isn't it the parents' responsibility t...
by keq1381
Fri Jun 03, 2011 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Job offer advice: Need to negotiate?
Replies: 21
Views: 1895

It sounds like a great offer! Based on your description, I don't see much room for negotiation.
by keq1381
Wed May 25, 2011 12:42 pm
Forum: Personal Consumer Issues
Topic: Higher Education: What Would You Choose?
Replies: 49
Views: 4970

yobria wrote:
Name a major corporation with a policy of not even considering qualified CPAs from certain schools. Call HR to confirm.

Nick


I never said there was a policy, just a mindset, and obviously there will be exceptions.
by keq1381
Wed May 25, 2011 11:58 am
Forum: Personal Consumer Issues
Topic: Higher Education: What Would You Choose?
Replies: 49
Views: 4970

Too long a post to read (practice concise writing) but a CPA is a CPA. Within my current career field the things that matter most are: 1.) Appropriate certifications 2.) Experience Where someone went to school is almost inconsequential, so long as it was properly accredited. Is the accounting profe...
by keq1381
Fri Apr 29, 2011 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestions--Newbie w/Update!
Replies: 5
Views: 1058

Re: Portfolio Suggestions--Another Newbie

Tax Rate: 25% Federal; 7% State NE Questions : 1. I need more bonds obviously. Should I do this with my TSP? 2. I would like to move my Roth to Vanguard as well as open up a new one for wife. Target date funds seem appealing to me, but would I want both in the same fund? 3. Her 401K seems overly co...
by keq1381
Wed Apr 06, 2011 12:20 pm
Forum: Personal Consumer Issues
Topic: Software "Upgrades": RANT
Replies: 45
Views: 5566

Why? Simply to relate my personal experience that, as I say, has not included problematic upgrade issues. If others were to pursue tangents regarding MS/Apple, however peripheral to the upgrade question under discussion, that in no way negates or precludes me from sharing my own specific experience...
by keq1381
Wed Apr 06, 2011 11:58 am
Forum: Personal Consumer Issues
Topic: Software "Upgrades": RANT
Replies: 45
Views: 5566

Not to start the religious wars, but I just cannot recall any upgrade issue (Firefox, OS, etc.) that ever caused me a problem on my Mac. Cheers, Ron Then why make that comment? The 'wars' between Apple users and Microsoft users never make any sense. Apple is predominantly a hardware company, wherea...
by keq1381
Wed Apr 06, 2011 10:08 am
Forum: Investing - Help with Personal Investments
Topic: About to Purchase Roth IRA - thanks in advance
Replies: 28
Views: 2942

Toons wrote:I wouldn't even consider investing until the loans are paid off :D :D
Keep it simple.you have plenty of time and resources once thats done


I agree! I would not invest until debts 1 to 4 (all 8%+) are paid off.