Search found 3884 matches

by mhc
Thu Jun 20, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Tree stump, cant use a stump grinder. Solution?
Replies: 24
Views: 1374

Re: Tree stump, cant use a stump grinder. Solution?

It would be helpful if you could explain why you can't get a stump grinder to the stump. Could you use a crane to lift it in? Crane rental isn't necessarily that expensive.

Have you ever read the book or seen the movie Shane? There are ways to deal with stumps. :D
by mhc
Thu Jun 20, 2019 9:21 am
Forum: Investing - Theory, News & General
Topic: Why isn’t stock market lower today ?
Replies: 14
Views: 1182

Re: Why isn’t stock market lower today ?

This is just my opinion. The talking heads have to fill air time with something so that just look at what happened that day and say that is the reason the market moved up or moved down. Sometimes they may be correct, but I wager most the time they are just trying to fill air time while trying to sou...
by mhc
Thu Jun 20, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund for charitable giving
Replies: 13
Views: 491

Re: Donor Advised Fund for charitable giving

There is a cost for the DAF to make do a grant to a charity. To help keep costs down, you might consider requesting grants less frequently. I have set up auto-grants to be performed quarterly and semi-annually to different charities. If my church can't deal with this, then shame on them.
by mhc
Tue Jun 18, 2019 12:06 pm
Forum: Personal Investments
Topic: Questions on using Firecalc
Replies: 8
Views: 534

Re: Questions on using Firecalc

#1 It is good to vary the inputs to see the sensitivity to any particular input.

#2 That is the nature of statistics. If the seed is not the same for each run, then each run will give you a different result.
by mhc
Tue Jun 18, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Any way to get out of daycare 6 week notice?
Replies: 32
Views: 2639

Re: Any way to get out of daycare 6 week notice?

Have you talked to them? I would try that first. Are there any escape clauses in the agreement?

If you didn't want to live up to the 6 week notice, then you shouldn't have signed it.
by mhc
Mon Jun 10, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 30
Views: 2182

Re: Luxembourg--worth visiting?

I've been there on 2 different day trips. I enjoyed it. It really depends on your interets (WWII, churches, hiking, ...). There are many things close by if you run out of things to do in Luxembourg.
by mhc
Tue May 28, 2019 3:43 pm
Forum: Personal Investments
Topic: Documents to keep post home purchase
Replies: 13
Views: 1137

Re: Documents to keep post home purchase

I would keep it all. First determine if you are in a mortgage or deed of trust state. Keep that paperwork and the title. Also, keep any other legal documents (loan, transfer of water tap, HOA, inspection, radon, ...). I would really keep it all. It shouldn't be more than half an inch thick. It doesn...
by mhc
Thu May 23, 2019 9:34 am
Forum: Personal Investments
Topic: Vanguard "advisors" vs. "Self-managed" accts
Replies: 8
Views: 957

Re: Vanguard "advisors" vs. "Self-managed" accts

I got the same banner last night when I logged in. It doesn't bother me. It comes across to me that they are just informing me of what is available. I don't want it, so I move on. At least it seems that the PSA is reasonably priced with reasonable advice. It seems like it may be a good option for so...
by mhc
Tue May 21, 2019 3:10 pm
Forum: Investing - Theory, News & General
Topic: Roth 401k vs. traditional for high income earner
Replies: 24
Views: 1598

Re: Roth 401k vs. traditional for high income earner

Another issue to consider is will you retire early. If you retire early (high income can enable this), you can use the low income years to do Roth conversions. In that case, take the tax break now.

I'm also a big fan of delaying taxes. Once paid, they are gone.
by mhc
Tue May 21, 2019 10:42 am
Forum: Personal Investments
Topic: Retirement goal seems far away
Replies: 25
Views: 2017

Re: Retirement goal seems far away

It use to be 40 years to retirement. 75% of the way there, only 25% to go. Enjoy the ride.

Find something enjoyable to fill your time.
by mhc
Tue May 21, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 937

Re: PC Hardware Help - KVM Switch

There are hubs that can drive two monitors. I use three monitors at work. Two hook directly to the hub. The third uses a USB to HDMI adapter.
by mhc
Tue May 21, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 937

Re: PC Hardware Help - KVM Switch

I use a USB hub at work. My keyboard, mouse, and monitors plug into it. The hubs have all the ports that a computer has (USB, HDMI, DVI, ...). The hub has replaced the old laptop docks. The hub even charges my laptop. The hub then plugs into my laptop with a single cable. If I had two computers, I c...
by mhc
Tue May 21, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 937

Re: PC Hardware Help - KVM Switch

You could try a USB-C hub. That seems to be the more modern solution.
by mhc
Fri May 17, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tithing
Replies: 14
Views: 1493

Re: Tithing

I have decided that 15% of all my spend goes to charity. I couldn't figure out how to calculate the 10% thing. I believe that 15% should work out to approximately 10% of gross income. I track my spending. I don't track my earnings. This works for me. 15% of spend means that out of every dollar 15 ce...
by mhc
Thu May 16, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 6865

Re: Honda CRV or Toyota RAV4 ?

I have a 16 year old CRV that I want to replace soon. Here are my impressions. The reliability of the CRV has dropped. The RAV4 is rough around the edges. My research shows that the Outback is the better car. Unfortunately, it is too long for my garage. I'll probably go with the 2020 CRV when it com...
by mhc
Wed May 15, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6576

Re: Do you reward yourself for achieving a financial goal?

I wouldn't go out and make a large purchase when I hit a financial goal, but I do allow life style creep. For example, on vacation we may get a nice dinner instead of eating at Subway.
by mhc
Tue May 14, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Fair price for new Subaru Outback?
Replies: 20
Views: 1741

Re: Fair price for new Subaru Outback?

I determine a fair price by looking at what others are paying for the same car in the same region. If you are within a couple percent of the best price without spending too much effort, then you did well. This is where online forums are useful. For you it should be a subaru forum.
by mhc
Mon May 06, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with variable bonus?
Replies: 24
Views: 1747

Re: What do you do with variable bonus?

I don't treat my variable bonus any differently than other money that shows up in my bank account. I have a general budget that I stick to. Any excess money gets invested. If the bonus happens to make me feel more generous, we may go out for a nice meal. The source of the money should not change spe...
by mhc
Mon May 06, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 7474

Re: How much do you donate?

I take a little different approach. I base my donations on my spend. 15% of spend is allocated to charitable contributions. For example, if I buy a $42.5k car, I will donate $7.5k.
by mhc
Mon May 06, 2019 9:18 am
Forum: Personal Investments
Topic: 3 Fund Vs. Target Date 401K Dilemma
Replies: 21
Views: 2222

Re: 3 Fund Vs. Target Date 401K Dilemma

If I remember correctly, Vanguard has changed the percent of international equity and the latest change was adding international bonds.

Obviously, Vanguard sets the glide path for TR funds. That is another thing you have to consider if it is appropriate for you.
by mhc
Thu May 02, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 6053

Re: Car lost acceleration

I would stop by an auto part store and have them read the error codes for free. Right down any codes that come up and google them. I would then clear the codes and go back in a few days to have them read again.

Unless you or a friend is handy with cars, you'll probably need to visit a mechanic.
by mhc
Thu May 02, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 5772

Re: Giving two week's notice before stock options vest

I have had HR screw me out of options. My group was up for sale, so the HR person would not give us our options. He let them expire in his desk. We had 90 days to accept them. We never received them. I do not trust HR. They are not in place to look out for employees. Let the options vest and sell im...
by mhc
Thu May 02, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Should we go out of state during a painting project?
Replies: 14
Views: 1122

Re: Should we go out of state during a painting project?

I would prefer to go out of town if I was using a trusted company.

We did this a few years back when we had our hardwood floors refinished. It worked out beautifully. Dropped off a key, went on vacation, and came back to beautiful floors.
by mhc
Thu May 02, 2019 8:10 am
Forum: Personal Investments
Topic: 3 Fund Vs. Target Date 401K Dilemma
Replies: 21
Views: 2222

Re: 3 Fund Vs. Target Date 401K Dilemma

I don't tinker with my investments, and I don't want others to tinker with my investments. Vanguard likes to tinker with their all in one funds, not very often but they do. I prefer the 3 fund strategy. Learn it and get comfortable with it. It has lower ER, and once you get a taxable account, a 3 fu...
by mhc
Tue Apr 30, 2019 8:45 am
Forum: Personal Investments
Topic: How to specify investment direction at Fidelity HSA
Replies: 10
Views: 719

Re: How to specify investment direction at Fidelity HSA

I have Fidelity HSA through my employer. I have it set up to auto invest in the Fidelity TSM fund. I use to have to log in after every pay check to invest the cash. A couple years ago they added to feature to auto invest. Look around a little more on the HSA page. If you can't find it, call them.
by mhc
Mon Apr 29, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Storage shed
Replies: 9
Views: 1025

Re: Storage shed

A couple years ago I went with an independent shed builder in my area. They were easier to work with than the big box store. They also had more options I could walk through. I would ask friends and neighbors where they got their sheds. Remember to check with your city about code for size and set bac...
by mhc
Fri Apr 26, 2019 9:54 am
Forum: Personal Investments
Topic: 2/3 VTSAX and 1/3 VTIAX OR simply VTWAX?
Replies: 11
Views: 1048

Re: 2/3 VTSAX and 1/3 VTIAX OR simply VTWAX?

The 2 fund approach allows you to have the ratio you are saying you want.

Do you know the ratio for the world fund?
by mhc
Wed Apr 24, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Mobile Apps for Plant and Flower ID
Replies: 11
Views: 536

Re: Mobile Apps for Plant and Flower ID

1. Take pictures of the plants with your phone. 2. Drive to your local nursery. Not box store nursery. 3. Show pictures to worker. Worker tells you what they are. Take notes. A little more work, but you could walk around the nursery and match your pictures to the labeled plants. or Talk to your neig...
by mhc
Mon Apr 22, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 31066

Re: How did you feel about your 2018 tax returns?

I like that I was able to avoid the complexity of AMT. Otherwise, the process was about the same. TurboTax didn't really change. Some of the forms were different, but that's no big deal. I really like the large reduction in tax burden.
by mhc
Mon Apr 22, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 33
Views: 2496

Re: Best pillow under $50?

Last year I tried a half-dozen pillows all the way between $20 and $120. The one that finally worked for me was the Miracle Bamboo from Bed Bath and Beyond. Still not as good as the down alternative one I got probably 8 years ago that it replaced, but good enough that I don't have horrible neck ach...
by mhc
Thu Apr 18, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: House with Permanent Wood Foundation - Would You Buy?
Replies: 13
Views: 1367

Re: House with Permanent Wood Foundation - Would You Buy?

Do you trust your local builder friend? If so, don't buy it.
by mhc
Thu Apr 18, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Electric smoker
Replies: 26
Views: 1190

Re: Electric smoker

This is the bogleheads of BBQ: https://www.bbq-brethren.com/forum/ For the price you are looking at I would get a propane smoker. Very good BBQ can be produced in one. I've used one for about 12 years now. It works in all weather. I'm not a fan of electric in rain and snow or of having an extension ...
by mhc
Mon Apr 15, 2019 9:48 am
Forum: Personal Investments
Topic: Shifting away from 100% stocks - how do you execute shift without timing?
Replies: 17
Views: 1205

Re: Shifting away from 100% stocks - how do you execute shift without timing?

If you can get there with only new contributions, then I would do that.

I'm not a big fan of making big moves all at once. Directing new funds to accomplish your goal will be gradual and give the descision time to settle.
by mhc
Mon Apr 15, 2019 8:55 am
Forum: Personal Investments
Topic: Best Order Type to sell individual stocks
Replies: 5
Views: 570

Re: Best Order Type to sell individual stocks

If the stocks have reasonable volume, then do a market order away from open or close.
by mhc
Wed Apr 10, 2019 11:00 am
Forum: Personal Investments
Topic: Treating Home as Bonds?
Replies: 15
Views: 701

Re: Treating Home as Bonds?

AA should be based off of ability and need to take risk. Having a paid off home could definitely affect an AA. I can imagine that having a paid off home increases ones ability to take risk, which would result in a smaller percentage of bonds. In affect this is similar to treating home as bonds. Call...
by mhc
Wed Apr 10, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Seeking ideas for name of Project
Replies: 27
Views: 739

Re: Seeking ideas for name of Project

20 years ago I got tired of wasting time on choosing names, so I wrote a script to randomly choose a 3-5 letter word out of the UNIX dictionary. This was used for a long time for choosing project names. Now, we choose names from cities within our region. The names have to be short. No use in typing ...
by mhc
Mon Apr 08, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: After importing 1099-DIVs and 1099-Rs, what do you "clean up"?
Replies: 8
Views: 856

Re: After importing 1099-DIVs and 1099-Rs, what do you "clean up"?

The cost basis for ESPP, RSU, and NQSO can be wrong on 1099s.
by mhc
Wed Apr 03, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Is $650 for a Roof Inspection Too Much?
Replies: 37
Views: 2727

Re: Is $650 for a Roof Inspection Too Much?

I have never paid for a roof inspection. Maybe it is common in Boston. I would find 3-4 reputable companies and call each of them to see what it costs for a roof inspection.
by mhc
Wed Apr 03, 2019 9:03 am
Forum: Personal Investments
Topic: ESPP
Replies: 5
Views: 439

Re: ESPP

Sell immediately and diversify.
by mhc
Tue Apr 02, 2019 9:50 am
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 16708

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

I came to realize that my days were numbered at the age of 44. I had seen too many layoffs. I started my 11 year plan to be able to retire by age 55. I still continue to see multiple layoffs every year. I think I hit my goal after 7 years (thinks to this site and the bull market). It would be nice t...
by mhc
Fri Mar 29, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Shut off water before a vacation
Replies: 78
Views: 5946

Re: Shut off water before a vacation

I turn off the water, hot water heater, and ice maker. Right after my main shutoff in the house the pipe tees. One leg going to the house and one leg going to the sprinkler system. I have a shutoff for everything and individual ones for the house and sprinkler. All ball valves. If I need to keep the...
by mhc
Thu Mar 28, 2019 11:28 am
Forum: Personal Investments
Topic: Double-check before realizing large capital gains
Replies: 10
Views: 1264

Re: Double-check before realizing large capital gains

A couple things to consider. There are safe harbor rules to avoid under payment penalities in windfall years. You may not need to make estimated quarterly tax payments. If you give to charities on a regular basis, you could donate the shares instead of giving cash to avoid the long term capital gain...
by mhc
Mon Mar 25, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Ireland & Scotland Do I Need Cash?
Replies: 24
Views: 1745

Re: Ireland & Scotland Do I Need Cash?

It's been a few years since I have been to Scotland. Some of the taxis then in Glasgow only took cash. They were willing to take me to an ATM to get cash. The ATMs fees and exchange rates were fair.

Because I did not have a chip and pin CC, it caused some issues.
by mhc
Tue Mar 12, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Need online doc access - small amount
Replies: 13
Views: 565

Re: Need online doc access - small amount

Can you disconnect your work computer from the company network and tether it to your phone?

If the edits are small, can you just do the edits on your phone? Microsoft Office is free for small screens. This dumbed down version of Office works well for small edits on simple documents.
by mhc
Tue Mar 12, 2019 8:22 am
Forum: Investing - Theory, News & General
Topic: Is buying only assets with "tickers" a good Boglehead "rule"?
Replies: 23
Views: 1502

Re: Is buying only assets with "tickers" a good Boglehead "rule"?

I guess it depends on what exactly you mean by "tickers."

Do CDs, CITs, Bonds, ... have tickers?

For me the Boglehead guidelines are clear enough without adding this to the list.
by mhc
Thu Mar 07, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Employee stock options investment thesis?
Replies: 29
Views: 1689

Re: Employee stock options investment thesis?

Let's see if I can get this right. Options have intrinisic and extrinsic value. When you first get the option, everything is extrinisic value. The goal is to extract as much of the extrinsic value as possible. As the FMV goes up and time runs out, the extrinsic value goes down. I receive 10 year opt...
by mhc
Sun Mar 03, 2019 5:49 pm
Forum: Personal Investments
Topic: 3 fund portfolio minimum
Replies: 36
Views: 1291

Re: 3 fund portfolio minimum

Three-fund portfolio is an outdated recommendation. Unless you want to tilt, all you need for the stock portion is VTWAX. I completely disagree. If you don't want to tilt away from global market cap towards the home country, what would the benefit of a 3 fund portfolio be over the 2 fund (VTWAX+VBT...
by mhc
Sun Mar 03, 2019 5:47 pm
Forum: Personal Investments
Topic: 3 fund portfolio minimum
Replies: 36
Views: 1291

Re: 3 fund portfolio minimum

Vulcan wrote:
Sun Mar 03, 2019 5:39 pm
Three-fund portfolio is an outdated recommendation. Unless you want to tilt, all you need for the stock portion is VTWAX.
Vulcan's opinion. Many still follow the 3 fund portfolio. It is not outdated.
by mhc
Sun Mar 03, 2019 5:33 pm
Forum: Personal Investments
Topic: 3 fund portfolio minimum
Replies: 36
Views: 1291

Re: 3 fund portfolio minimum

Welcome to the forum. ETF is an option, but if you prefer Mutual Funds, then just buy two of them. Add the third when you can. Then over time as you add more money, get everything into the right ratios according to your desired asset allocation (AA). When first starting out, your saving rate is more...
by mhc
Tue Feb 26, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Anyone Keep a Second Fridge in Garage?
Replies: 56
Views: 4129

Re: Anyone Keep a Second Fridge in Garage?

We have the kitchen fridge, a deep freeze in the garage, and a full size fridge only (no freezer) on the back porch. The fridge on the back porch is really nice for grabbing a cold drink when outside playing, partying, or working.