Search found 3160 matches

by Easy Rhino
Thu Oct 19, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to invest (*other* than Vanguard)?
Replies: 16
Views: 658

Re: Best place to invest (*other* than Vanguard)?

In 1995 or 1996 I went to a Charles Schwab office and opened my first brokerage account. hey Me too! (well, it was maybe 93 or so). And I also held their Schwab 1000 fund for a while. Fidelity and Schwab are both good. most of my funds have most recently been with Wells Fargo and now Bank of Americ...
by Easy Rhino
Thu Oct 19, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: To HSA or not?
Replies: 3
Views: 344

Re: To HSA or not?

If the company makes generous contributions to her HSA, then you could theoretically "turn a profit" as long as she never had any health spending.

But dual coverage would be a no no, as already noted.
by Easy Rhino
Tue Oct 17, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 52
Views: 3100

Re: Negotiating for a new car purchase

When I was shopping last year, I generally found the internet sales departments easy to work with. One, which was ironically closest to my house, called me on the phone and said they couldn't give me a quote on a specific model unless I came in. i already had quotes from 5 other dealers. I told her ...
by Easy Rhino
Tue Oct 17, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: HSA taxation in Calif
Replies: 14
Views: 894

Re: HSA taxation in Calif

As others have mentioned, it's basically honor system, because your custodian isn't going to send you a nice 1099- anything . I save my year end HSA statement in my big tax folder. (this reminded me I need to add last years! (I only just finished my extension)) Treat the taxes, from the state perspe...
by Easy Rhino
Mon Oct 16, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 52
Views: 3100

Re: Negotiating for a new car purchase

verbose, i'm not sure why you're getting the runaround from internet sales departments. Most are very businesslike. it may help to go to their website and search through inventory to see if they actually have the specific car in stock before inquiring. Because if they don't have it in stock, they're...
by Easy Rhino
Tue Oct 10, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2588

Re: Cheapest thing you ever heard of to save money

My favorite cheap thing to occasionally do - which I probably learned from bogleheads - is to open up leftover fast food ketchup packets and squeeze them into the ketchup bottle at home.
by Easy Rhino
Tue Oct 10, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 98
Views: 5243

Re: Has your "risk tolerance" been tested?

2001, fortunately I had just been investing for a couple of years. because I did just about everything wrong. I wasn't even aware I was being tested, but between irrational exuberance and then following ennui, I ended up really messing up my still tiny portfolio. 2008 was rough because I had more at...
by Easy Rhino
Tue Oct 10, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3629

Re: Wifi Thermostat

I got an ecobee SI installed free by my utility company's contractor. He had to run an extra wire so I'm glad I didn't have to mess with it.

It's not that flashy, but nicer than our old one.

the Wifi-ness isn't honestly useful unless I forget to turn the AC off when I leave the house.
by Easy Rhino
Tue Sep 26, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Manufacturers rebate for Chevy Cruze
Replies: 9
Views: 1182

Re: Manufacturers rebate for Chevy Cruze

It's getting near the end of the year, you can't really guarantee that GM will still have the same rebate next month. (althought I suspect*financing* deals are probably more likely to expire than straight rebates). However, as long as there are unsold cars, dealers are going to want to make a deal o...
by Easy Rhino
Tue Sep 26, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Unbelievable AT & T
Replies: 29
Views: 3575

Re: Unbelievable AT & T

When I ported early this year, I had to wait until my statement would normally cycle, then I got my final bill. I think AT&T even emailed me a temporary username to use to log in, since I no longer had any numbers. That final bill was prorated. It may depend on if your bill is paid in advance (most ...
by Easy Rhino
Thu Sep 21, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2921

Re: Should I even bother with buying a school picture?

I just got my daughter's kindergarten photo back.

She usually has a great smile in photos, but this one it looks like she's farting while biting a lemon.
by Easy Rhino
Thu Sep 21, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24045

Re: I won the Lottery. Need sound advice.

Assuming you take teh lotto in a lump sum, I think a good tax accountant could help for this year. for instance maybe you want to max out your 401k's and any other possible tax deductions.

And I recommend stop playing the lottery. You can literally quite while you're ahead.
by Easy Rhino
Tue Sep 19, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: 30yr Mortgage Refi Rates
Replies: 16
Views: 2514

Re: 30yr Mortgage Refi Rates

I'm a banker, and I very much doubt that makes sense to refinance your loan into another 30 year fixed mortgage. he going rate today for a 30 year fixed refinance is about 3.70% assuming a loan on a single family homestead with a balance between $150K and $417K, 80% LTV or less, perfect credit and ...
by Easy Rhino
Wed Sep 13, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4236

Re: Electric car in evacuation situation

I remember reading that one of the struggles that makers of pure-electric cars have is that windshield wipers use a significant amount of power and reduce range considerably if they are running; that could be a problem in evacuating in a bad-weather situation. I suppose that in the next few days we...
by Easy Rhino
Mon Sep 11, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: HSA medical payments and debit card
Replies: 6
Views: 665

Re: HSA medical payments and debit card

The cards may only allow transaction coded a certain way by the merchant.

for instance I have a FSA debit card (not exactly the same but same idea), and I couldn't buy eyeglasses at costco because their card terminal was configured the same as the rest of the store as general merchandise.
by Easy Rhino
Tue Sep 05, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should we let MIL pay off our mortgage?
Replies: 69
Views: 8801

Re: Should we let MIL pay off our mortgage?

people who get an inheritance are often advised to do nothing for a year. Maybe your MIL should do the same. Just park it somewhere safe. The gift sounds like a classic white elephant gift. She pays off a house. But no one in the family lives in the house. Then someone (and that means you) has to ma...
by Easy Rhino
Sat Aug 19, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 2364

Re: Did Chase Apply My "Additional Principal" Payment Legally?

It would have resulted in a missed payment yes. I had to contact WF and they reversed and reapplied it as a normal payment
by Easy Rhino
Sat Aug 19, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 2364

Re: Did Chase Apply My "Additional Principal" Payment Legally?

I like to think I'm familiar to this stuff, but I bumped into a kind of similar issue a few months ago. My mortgage is serviced by Wells Fargo. A while back I used my bank's bill pay service to send a check to them (so, no special instructions on how to apply the payment). It arrived a couple days e...
by Easy Rhino
Fri Aug 18, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 2364

Re: Did Chase Apply My "Additional Principal" Payment Legally?

What's the day of the month the loan is due? Did you mention that the loan was overdue when you made the large payment on Feb 23? Chase's treatment of payments sounds realistic. There's all kinds of extra restrictions that are customary for mortgage loans using monthly interest. Especially if the lo...
by Easy Rhino
Fri Aug 18, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: The Phillips Curve is not working!
Replies: 26
Views: 2796

Re: The Phillips Curve is not working!

the Phillips curve first fell apart in the 70's with stagflation.
by Easy Rhino
Wed Aug 16, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3438

Re: What kind of hotel do you get on business travel?

My travel is often to smaller or medium towns, our company is somewhat frugal on travel policy, and our hotels are billed to our clients, who may or may not be frugal. Typically Hilton or Marriott Brands. In the Hilton family for instance, it would range from Hampton Inns to something like a Garden ...
by Easy Rhino
Wed Aug 16, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 7373

Re: How useful is a home security system?

Try to ask around the neighbors if there were any other break ins (maybe even find if there's a neighborhood watch). A local police officer checked out our house and mentioned that burglars may carefully research otherwise quiet neighborhoods then hit multiple houses in series. Things that could hav...
by Easy Rhino
Wed Jun 28, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Hilton Vacation Getaways
Replies: 11
Views: 1312

Re: Hilton Vacation Getaways

Man, year ago my folks went to a HGVC in Vegas to treat as a super cheap long weekend.

they ended up buying a timeshare :oops:
by Easy Rhino
Wed Jun 28, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 14861

Re: Anyone else gotten totally bored with investing?

Yes my portfolio is very much on autopilot. I do have a lot of accounts in different places, so when I do have to rebalance, which is seldom, i have to remind myself how to do it. So that's boring but in a good way, since I've got a growing family it's nice to have more time. One bummer is that when...
by Easy Rhino
Wed Jun 28, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?
Replies: 46
Views: 2008

Re: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?

I only have a 5 year old and a pregnant wife, so not quite in your boots yet. Although we have flown with our daughter when she was two, and we have road-tripped on a 10 hour drive when she was 4. For gear hauling purposes I'd say to drive. Carrying two car seats + a stroller + bags is rough, becaus...
by Easy Rhino
Wed Jun 21, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4796

Re: Poaching chicken

Good Listener wrote:Thanks all. They asked me to do it plain because it will Then be handed off to a lady making chicken salad and she will permit nobody else to season it.
This is a very complicated operation.

Anyway, it sounds like you can use your spaghetti pot but just fill it up with less water.
by Easy Rhino
Sat Jun 10, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Fence Dilemma
Replies: 31
Views: 3062

Re: Fence Dilemma

we had to do some repairs on our fence in southern california. Had a surveyor buddy come out (not a full official survey) and as near as we could reckon the fence was just inside our property line. Not even a foot setback, like an inch. the back neighbor kind of had a scary hoarder thing going on in...
by Easy Rhino
Sat Jun 10, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: Switching to t-mobile from at&t...maybe
Replies: 16
Views: 1711

Re: Switching to t-mobile from at&t...maybe

yeah it depends on the very specific model of phone. Tmobile and AT&T are both GSM carriers so phones will always at least mostly work. but sometimes different bands, especially LTE bands, may be different on different models, so you may have worse or no coverage in certain locations. I like http://...
by Easy Rhino
Fri Jun 09, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 7061

Re: How to deal with a personal finance cynic

While I agree that the "typical boglehead" post is far out of the average person's league, I don't think many of at all the posters here are trolling. There's a lot of goodwill on the board. Also, since your friend has some money to invest ($100k is not insignificant), it means he could benefit imme...
by Easy Rhino
Thu Jun 08, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: What really happens in a bear market?
Replies: 37
Views: 4583

Re: What really happens in a bear market?

Yes, i think it's important to recognize the "everyone around you (who talks about investments) is panicking" effect.
by Easy Rhino
Thu Jun 08, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 58
Views: 6617

Re: Does anyone read the Wall Street Journal?

I'll put in a plug for the Financial Times. Great indepth articles from a much broader perspective. A few years ago, I had a 6 month complimentary subscription during a period of being out of work so I had plenty of time to read it. Both, WSJ and FT are too expensive for me. I used to read FT (agai...
by Easy Rhino
Thu Jun 08, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 58
Views: 6617

Re: Does anyone read the Wall Street Journal?

I get it with frequent flyer miles. It's a good paper. I wouldn't say it's gotten worse per se, but it's definitely gotten smaller . Fewer sections. General news coverage and big business/finance coverage is still fairly strong, but personal finance and other "personal" sections have shrunk to stubs.
by Easy Rhino
Thu Jun 08, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Buying a House with an Old but Working Roof
Replies: 19
Views: 1361

Re: Buying a House with an Old but Working Roof

I would just factor it in as one of the many factors affecting the home's value. Just to play devils advocate, we bought our first house last year in a HCOL area. The house had multiple bids and we "won" and bought the house. Inspector said the roof was aging, but in satisfactory shape and to budget...
by Easy Rhino
Thu Jun 08, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Chicagoan, 98, donates Walgreen stock bought decades ago.
Replies: 20
Views: 3213

Re: Chicagoan, 98, donates Walgreen stock bought decades ago.

I initially read the headline as having "Woolworth" stock and wondered how that would be worth anything at all!
by Easy Rhino
Wed Jun 07, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 8057

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

hey, my wife is expecting also. only our second. And last. So congratulations! I kinda agree that the term "push gift" gives me a bit of ick, even though my wife has used it too. It's just like the word "moist". But anyway, wine seems like a good idea, because it's something she can't use until the ...
by Easy Rhino
Thu Jun 01, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 3653

Re: Subaru to Prius?

I don't know what a used Prius costs. But let's say it's less than what you can sell your Outback for. Well, that would save you money, as long as you keep the prius for almost as long as you'd keep your Outback. You also say you work from home. you might not put many miles on the car. this means th...
by Easy Rhino
Fri May 26, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Save mobile deposit checks?
Replies: 16
Views: 2106

Re: Save mobile deposit checks?

I once had a mobile check rejected after a couple of days. (It was fine with my financial institution, but the one the check was written on didn't like it). I had to re-scan and resubmit. So I keep them around for a few days. Typically under a week. (I don't read the mobile apps suggestion that care...
by Easy Rhino
Fri May 26, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Are middle-aged breadwinners getting a raw deal?
Replies: 20
Views: 3165

Re: Are middle-aged breadwinners getting a raw deal?

Conversely, I tend to find myself more burned out by doing domestic chores and getting the little kid to not run around naked like a maniac, than I usually do at work. (Both I and my wife work, so we both have to do domestic chores too). Sounds like you need to try to upgrade either your work life o...
by Easy Rhino
Fri May 26, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 6509

Re: Sell 2015 Subaru or Keep?

a simpler approach, consider paying a chunk towards the car loan, you'd get a guaranteed return of over 2% on whatever you pay.

Actually, you could possibly even refi at a local credit union or something to save a tiny bit on interest of the remainder, too.
by Easy Rhino
Fri May 26, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Should I fax or email bank info?
Replies: 18
Views: 1488

Re: Should I fax or email bank info?

I'd probably do the fax from home, you'll just pay comcast's international rate, which wouldn't be too terrible, I would presume. But email wouldn't be the end of the world. It's just a routing number and account number? that's literally the same information that someone would have if they looked at...
by Easy Rhino
Thu May 25, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5779

Re: Insulating Walls - Worth it?

A few years ago we had insulation blown in our walls, there was non previously. It made a big different in comfort especially around the perimenter. (and that was in San diego!) I also wonder why the unit didn't have any insulation in the walls. There's also a chance that it's just your unit, maybe ...
by Easy Rhino
Mon May 22, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 1376

Re: ebates experiences - what downsides?

i use the site cashbackholic to get a comparison before I shop.

i'd say most often I use topcashback, discover, and upromise. But i've used others too.
by Easy Rhino
Mon May 22, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4449

Re: Need new Router/Wifi Networking Ideas

A thought.

If your network dead zones are maybe one or two specific spots, then maybe airport express to expand what you got.

But if there's multiples or lots of areas that aren't covered, then maybe replace with mesh.
by Easy Rhino
Mon May 22, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 14416

Re: For those with $500k-$1m in investments...

Around 20 or 30% taxable. About half of that was actually gifts from my Dad that he wanted me to invest and specifically not put in an IRA, etc.
by Easy Rhino
Mon May 22, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: NY vs Utah 529?? Can't decide!
Replies: 23
Views: 2398

Re: NY vs Utah 529?? Can't decide!

5 years ago I picked NY, because it had super low expenses and I liked the "glideslope" of the moderate allocation as my kid aged.

I don't think Utah even had the DFA funds yet at that time.
by Easy Rhino
Fri May 19, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help - Sleep Deprived New Dad Rebalancing
Replies: 9
Views: 1058

Re: Help - Sleep Deprived New Dad Rebalancing

oh man, babies that won't sleep are the worst. At least you managed to write up this post successfully! I would only sell in the taxable account if there's little or no capital gains from it. Yes to VTSNX in the 401k. It's fine. Have you considered refi your mortgage? I glanced at the mtg professor ...
by Easy Rhino
Fri May 19, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 34
Views: 5680

Re: IRS says I owe..I don't

is this coming from an audit office in austin (not sure if the IRS has others)? I helped my in laws with a snafu a year or two ago, and be ready for really long delay times. They sent a response in 60 or 90 days, saying that they hadn't yet reviewed it. So it took months for the real response. And t...
by Easy Rhino
Fri May 19, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 17907

Re: Opticians: is there any difference in quality of Costco glasses?

I have a big head, and I must have weird eyes. I need help from a good optician. A couple of times I've tried the online glasses and they've hurt my eyes terribly when I've worn them. And also looked dumb when I tried them on. So getting the right frame selected and fitted for my head is important. ...
by Easy Rhino
Thu May 18, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Air circulation issues
Replies: 11
Views: 1033

Re: Air circulation issues

4) Add simple vents from BRs to hallway (that in turn opens pretty broadly to the main part of the house). Simple solution, but might be aesthetically unattractive, and would potentially be a conduit for noise. having vents added to the bottom of the doors, or just having the bottom shaved so there...
by Easy Rhino
Tue May 16, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 8195

Re: Anyone else agree with my logic on silicon valley housing?

if you're going to be leaving in a year, you should rent, not buy.