Search found 3196 matches

by Easy Rhino
Wed Feb 14, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Gut check: is this lifestyle creep?
Replies: 37
Views: 5429

Re: Gut check: is this lifestyle creep?

I would preferentially put money in the HSA (because of the tax break) over the 401k, or paying extra mortgage. Remember that the HSA has no penalty after you're 65, so if you don't exhaust it on medical spending it effectively becomes another retirement account. So it sounds like there's maybe $10k...
by Easy Rhino
Tue Feb 13, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: I think US interest rates could drop.
Replies: 62
Views: 6582

Re: I think US interest rates could drop.

Well, they could. Or maybe they'll go up. I can't predict accurately.

I would prefer (because my opinion matters?) if rates rise a bit so we are at more "normal" levels of interest rates.
by Easy Rhino
Tue Feb 13, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6607

Re: Day trading for a living/career?

I'm acquaintanced with someone who basically day trades, with his own money and a few investors. He spends all. the. time. researching "special situations" on small companies that might fly under the radar of larger institutional traders. It sounds like a ton of work. Also, his particular trading wo...
by Easy Rhino
Tue Feb 13, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: HSA sucks: Help
Replies: 7
Views: 1102

Re: HSA sucks: Help

I would go ahead and contribute to your employers, and then do a rollover which doesn't require assistance from the bank, to your preferred HSA every 12+ months.
by Easy Rhino
Tue Feb 13, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Gut check: is this lifestyle creep?
Replies: 37
Views: 5429

Re: Gut check: is this lifestyle creep?

Hey, you're saving 30% of your gross, and maxing tax-advantage space (at two jobs?). That's very admirable work. You're probably allowed to spend money. And saving in advance for large expenses is preferable than financing it. but my real question is, what were you planning on doing with the other $...
by Easy Rhino
Mon Feb 12, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: What are the chances of corrected 1099s?
Replies: 19
Views: 1198

Re: What are the chance of corrected 1099s?

I think it was a few years ago that all my international holdings got corrected.
by Easy Rhino
Fri Feb 09, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: SAMBX ? [Virtus Seix Floating Rate High Income Fund]
Replies: 12
Views: 453

Re: SAMBX ? [Virtus Seix Floating Rate High Income Fund]

aw, niispirus just came across as cranky because everyone was asking these same questions in 2007. :) Heck I owned some schwab yieldplus and was even received a bit of class action settlements from them. Here's the thing about floating rate funds in general, what they're generally holding isn't bond...
by Easy Rhino
Thu Feb 08, 2018 12:28 am
Forum: Personal Consumer Issues
Topic: Niagara falls US side
Replies: 27
Views: 1609

Re: Niagara falls US side

The American side has steps that lets you climb down the American falls, whichis pretty cool . However i think it had to be rebuilt ever spring so probably not available now
by Easy Rhino
Tue Feb 06, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 6077

Re: Am I being greedy?

InvestorNewb, you still reading this? Just wondering if the recent market volatility has affected your plans at all.
by Easy Rhino
Tue Feb 06, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13314

Re: Financial Hole

if you're working 5-6 days a week and 12 hours a day at the same job, then you should be entitled to overtime. So if you're not getting your time and a half, then it may be something to consider reporting to a state labor board. if you want some brainstorming from the group, you could start with the...
by Easy Rhino
Wed Jan 31, 2018 1:40 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25618

Re: New HSA provider Lively offers investments for $30/yr fee

And the Saturna paperwork is truly absurd. I can only assume that all of their processes are that primitive and time-consuming and their customer service that poor. Agree on too much paperwork. Heck the last time I did a rollover a week or two later i was contacted and asked to provide proof of wit...
by Easy Rhino
Tue Jan 23, 2018 7:33 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8327

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

I used to be super active in offering advice years ago. Now? Got a wife and two kids and a dog and no time. I think the "front page" layout has something to do with it too. It tends to drive whatever has the most traffic near the top. So you end up with a discussion of $5,000 watches consistently be...
by Easy Rhino
Tue Jan 23, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Solar window film
Replies: 18
Views: 1057

Re: Solar window film

how does film crack a window? is the film on the outside or the inside? I installed a couple solar screens on our west facing windows, just because the old screens had holes. The solar screen much darker from the exterior, and noticeably darker from the interior. It honestly doesn't feel like it mak...
by Easy Rhino
Tue Jan 23, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 6077

Re: Am I being greedy?

Yeah, you're probably being greedy. Not being judgemental. we all get greedy sometimes. It's really fun seeing the numbers go up. it will keep me invested in stocks for as long as I keep seeing the balance go up. emphasis mine. If investing since 2012, you only seen two corrections, not even a full ...
by Easy Rhino
Tue Jan 23, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: Have you ever acted on an instinct like this?
Replies: 30
Views: 3315

Re: Have you ever acted on an instinct like this?

wow that's a bad omen.

i'm itching to sell off some of my stocks. But rebalancing band hasn't quite been breached yet, so I must hold off.
by Easy Rhino
Fri Jan 19, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3686

Re: I got a Roomba and think you should too

I have a samsung powerbot with wifi. Its pretty good. Although it gets tangled ir stuck when jts eats kids paper or toys. Which happens often. Basically we're not clean enough for a robot to clean for us. But my daughter cracks up when i get messages on my phone from the vacuum when it gets stuck or...
by Easy Rhino
Sat Jan 13, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Pension service credit purchase: yes or no?
Replies: 16
Views: 948

Re: Pension service credit purchase: yes or no?

My wife bought some calpers credit a few years ago. Also supposed to be actuarily neutral. We were unable to crunch the math definitely. But figured since calpers was discontinuing it because it was costing them money... it must have been a good deal!
by Easy Rhino
Sat Jan 13, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1796

Re: wireless dead again - router suggestions?

Did all of the routers die the same way? Wireless dead but ethernet still works? If so its probably the radios dying. I would look at air circulation or maybe even you AC power is having problems.... you were replacing the ac adapters each time right? You shouldn't have to turn it off at night.
by Easy Rhino
Wed Jan 10, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6660

Re: Hot Water Delay at faucet/shower far from water heater

the recirc was only $500 installed? I thought it was more. I didn't knwo it would make your cold water warmer either. our master shower is farthest point from the water heater. Shower takes a couple minutes to warm up (a low flow 1.5gal faucet) and the bathroom sink would take even longer. Also I'm ...
by Easy Rhino
Sun Nov 12, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 39216

Re: Did you tell anyone you paid off your mortgage?

Quick googling makes it seem like the idea of a mortgage burning party originated with Archie Bunker. Although the concept seems more depression era

https://en.m.wikipedia.org/wiki/Mortgage_burning
by Easy Rhino
Wed Nov 08, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 39216

Re: Did you tell anyone you paid off your mortgage?

parsi1 wrote:
Wed Nov 08, 2017 2:18 pm
I paid off my previous home and told everyone. Good and valuable lesson.
Next time I wont tell anyone.
Top secret.
So just curious, for those who have told others, and regretted it, what was the cause of the regrets?

My guess would be moochers.
by Easy Rhino
Wed Nov 08, 2017 5:06 pm
Forum: Investing - Theory, News & General
Topic: When is a good time to rebalance?
Replies: 30
Views: 2601

Re: When is a good time to rebalance?

I rebalance when my allocations are outside of their bands that I've defined (+-2 percent for small positions, +-5 percent for big ones, i think). However, as for when I remember to check , I usually do it when ever I'm making an investment decision I need to think about, or if the hubbub in the new...
by Easy Rhino
Wed Nov 08, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: HSA w high medical expenses: Still worth it?
Replies: 18
Views: 1527

Re: HSA w high medical expenses: Still worth it?

it really depends on the nuances of your spending and coverage. If you'd be hitting the out of pocket max on either plan, then the HDHP is probably a no brainer, because the insurance premiums are probably less plus you get tax savings on the out of pocket spending. And if you spend nothing at all o...
by Easy Rhino
Tue Nov 07, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing HSA wrong?
Replies: 12
Views: 1386

Re: Am I doing HSA wrong?

It's still a good idea to contribute to your HSA yourself to get the main federal tax break, even if it's not as optimal as having it it withheld to escape FICA tax.
by Easy Rhino
Tue Nov 07, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 5267

Re: Poll-How much do you have in your HSA?

Don't have one. Wasn't an option until recently. Maxed out FSA past two years and spent every penny on medical expenses plus a little. Not sure its worth switching to a HDHP with an HSA. Would have been great in years past before kids when I only ever had preventative care to worry about. You know,...
by Easy Rhino
Mon Nov 06, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 5267

Re: Poll-How much do you have in your HSA?

started in 2010, and now it's almost $40k, split between the employers "bank account" and Saturna.
by Easy Rhino
Mon Nov 06, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Anyone understand Permanent Press washing machine cycle?
Replies: 7
Views: 907

Re: Anyone understand Permanent Press washing machine cycle?

Less spinning, and less heat (both was and dryer).
by Easy Rhino
Mon Nov 06, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2463

Re: Climate controlled cars - Useful or Useless?

My old 2000 Audi had auto climate control that worked great. usually set it and forget it. My 2016 Spark EV also does, but it's not tested well because my knee keeps bumping the temperature nob and it's usually rolling in around 60 degrees. Please the heat and A/C is more anemic than in a normal car...
by Easy Rhino
Thu Nov 02, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC minimum payment question?
Replies: 3
Views: 380

Re: HELOC minimum payment question?

yeah that seems about right to me.
by Easy Rhino
Wed Nov 01, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Robot vacuum for pet hair and hardwood floor
Replies: 21
Views: 1542

Re: Robot vacuum for pet hair and hardwood floor

have a samsung powerbot. Mostly hardwood floors and some area rugs, and a short hair dog. (coon hound mix?)

It's effective at sucking up the hair but the brushes need to be cleared every few runs.
by Easy Rhino
Tue Oct 31, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 5093

Re: Interesting twist to "Free 2-day shipping" at Walmart

Best Buy also often has a buck off for store pickup.
by Easy Rhino
Tue Oct 31, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Cheap low speed unlimited data
Replies: 16
Views: 1637

Re: Cheap low speed unlimited data

Note that many carriers' "low speed" is around 256kpbs. Which is really super duper slow for modern web browsing. Music could conceivably work, video might not work at all. Downloads will feel like they'll never finish.
by Easy Rhino
Tue Oct 31, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 6092

Re: New Car: Ever make sense to lease?

I leased a cheap Chevy Spark EV last year. The model was being discontinued. After rebates, my cost over the three year least is $1500, plus the few hundred buck surrender charge when I presumably surrender it. It was a good deal because not only were there rebates, but manufacturer's incentives kno...
by Easy Rhino
Tue Oct 31, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 6535

Re: Non Stick frying pan

What about the "ceramic" nonsticks? we got one a year or two ago and it's all beaten to heck now. permanently stained and not as slippery as it used to be.

Any good options there for a replacement?
by Easy Rhino
Tue Oct 24, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: negotiating a home purchase (price reduction v work done by seller)
Replies: 9
Views: 841

Re: negotiating a home purchase (price reduction v work done by seller)

about 4 years ago we got our house from a flipper here in california. inspection turned up serious issues, crawlspace problems, HVAC didn't work, there was literally no way to get into the attic for an inspection (they had sealed over the entrance), etc. Realtor said it was customary to list the fix...
by Easy Rhino
Tue Oct 24, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Recent Updates
Replies: 22
Views: 3546

Re: Windows 10 Recent Updates

my fall creators update left me stuck at a white or black screen. then when rebooting, windows restores a previous version.

then after about a day, it prompts me to install the fall creators update again :oops:
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: 27
Views: 2710

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: 603

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: 86
Views: 7598

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: 21
Views: 1998

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: 86
Views: 7598

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: 2999

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: 105
Views: 7533

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: 4403

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: 1308

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: 3888

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: 3338

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: 26332

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: 2735

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: 4944

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...