Search found 3242 matches

by Easy Rhino
Mon Jun 25, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sudden appearance of multiple buyers real or negotiation tactic?
Replies: 61
Views: 4174

Re: Sudden appearance of multiple buyers real or negotiation tactic?

I would recommend trying to ignore the baffling seller and evaluate carefully the house and how much you're willing to pay for the house. And then make your offer. It may be higher or lower than your original offer!
by Easy Rhino
Thu Jun 14, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Subaru infotainment issues -can people chime in?
Replies: 26
Views: 2277

Re: Subaru infotainment issues -can people chime in?

Wife's 2017 outback's system is mostly okay.

Just yesterday, notice radio spontaneously changing channel 0.2 to one side.

also, if I Bluetooth link my Samsung galaxy S8, and try "not" to link it as a media player, then the Bluetooth phone link blinks in and out
by Easy Rhino
Thu Jun 14, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Cheap, fuel efficient 2nd car commuting?
Replies: 17
Views: 1531

Re: Cheap, fuel efficient 2nd car commuting?

I vote used hybrid or compact car, or just keep using your truck.
by Easy Rhino
Thu Jun 14, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2766

Re: Drive from Phoenix to San Diego

We did the drive from grand canyon to San Diego and yeah, it's a solid 8 hours. so that's pretty much and entire day. I live in San diego, it's fun. I've been to the Grand Canyon, it's fun too! How old are the kids though? We went hiking down the trail a bit with a 4 year old. very excited and ran d...
by Easy Rhino
Thu Jun 14, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: Low inflation caused by e-commerce?
Replies: 15
Views: 2062

Re: Low inflation caused by e-commerce?

Here's a link to the NBER working paper, which costs $5 but lots of people can get it free: http://www.nber.org/papers/w24649.pdf Anyway, I only buy this theory if the CPI measurements don't take into account online merchants at all, compared with B&M merchants. Because retail spending on "stuff" is...
by Easy Rhino
Mon Jun 11, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Respectfully Looking for Advice
Replies: 20
Views: 2479

Re: Respectfully Looking for Advice

As already mentioned, you should get an idea of what your desired retirement annual spending level, and compare it to your current annual spending. How did you end up with so much in your savings account, and so little in retirement accounts? There may be some behavioral issues (like fear of investi...
by Easy Rhino
Thu Jun 07, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -- looking for advice
Replies: 56
Views: 6801

Re: Large inheritance -- looking for advice

I'm sorry for your loss! i'd like to be the first to link the bogleheads wiki on managing a windfall: https://www.bogleheads.org/wiki/Managing_a_windfall As for individual stocks and funds, I believe you get a stepped up cost basis on both individual stocks and I think mutual funds, so at least ther...
by Easy Rhino
Thu Jun 07, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Down Payment Help
Replies: 16
Views: 1592

Re: Mortgage Down Payment Help

Oh yeah, a conforming loan. you might get a lower rate if you pony up to keep it under that size limit ($464k?) you'll just have to look at the rate differential to see how long the payback is. Or... I'm not sure if this is shady or not, have your dad reduce the sale price even further, but then aft...
by Easy Rhino
Tue Jun 05, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 2082

Re: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?

There's a chance the AC is working, but not "balanced". Either the air coming into your room isn't cold enough, or it's not high enough volume (duct too small or partially closed with a damper). An HVAC tech could figure it out with an infrared thermoment and a little dealie to measure air pressure ...
by Easy Rhino
Tue Jun 05, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5313

Re: Fitting three young kids in the car...

We have a couple of combi cocorro seats. Also small, also expensive like the diono. can't carry quite as huge of a kid.

Once they're older they can get a basic booster (we have evenflo amp, they are cheap) so there's gotta be a narrow verison.
by Easy Rhino
Tue Jun 05, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Down Payment Help
Replies: 16
Views: 1592

Re: Mortgage Down Payment Help

huh, weirdly, the mortgage professor website had two articles explaining your question about the cost-benefit of larger down payments, and also paying points. https://www.mtgprofessor.com/A%20-%20Down%20Payment/Make-a-Larger-Down-Payment-or-Pay-Points.htm tl;dr version: getting a down payment large ...
by Easy Rhino
Mon Jun 04, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: 75% income into 401k?
Replies: 5
Views: 1368

Re: 75% income into 401k?

if you can live off the 25% (including some possible job uncertainty after the job ends) then sure, go for it. But if you're going to need the money sooner don't lock it away in a retirement account. But as for the specific investment, I would invest according to your long term goals for your 401k a...
by Easy Rhino
Thu May 31, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Intra-family Mortgage Considerations
Replies: 3
Views: 463

Re: Intra-family Mortgage Considerations

We bought our house in 2013 and had a similar deal with my Dad. The main goal in the crazy home market was so that we could present ourselves as 'cash buyers'. The interest rate was 4%, which was the prevailing rate at that moment. We had a one page loan contract drawn up with the terms of the loan,...
by Easy Rhino
Thu May 31, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for bad advice
Replies: 14
Views: 1914

Re: Advice for bad advice

The dollar amount really doesn't matter in the scope of your overall portfolio.

You can sell it all if you want to simplify.

You can keep it if you want to see stock holdings fluctuate up and down for fun.
by Easy Rhino
Thu May 24, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: If you suddenly became a millionaire [exceed FDIC insurance limit]
Replies: 31
Views: 5236

Re: If you suddenly became a millionaire [exceed FDIC insurance limit]

FDIC brochure on how accounts can be set up to have lots of insured funds, even at only one bank:

https://www.fdic.gov/deposit/deposits/b ... glish.html

But I'd probably say to get a taxable brokerage account to invest excess per your goals.
by Easy Rhino
Thu May 17, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Off My Mortgage When I Retire?
Replies: 49
Views: 3971

Re: Should I Pay Off My Mortgage When I Retire?

so, you'd be 'betting" that you can earn more money than the 2.5% interest rate costs you. in theory, you'd need to determine if you're comfortable with that bet. But in practice, it's a relatively small amount to you at a low interest rate. I suspect the final decision truly won't matter, so either...
by Easy Rhino
Thu May 17, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Urgent: escrow situation in bay area
Replies: 50
Views: 3171

Re: Urgent: escrow situation in bay area

I can't advise you whether or not buying the house is a good idea. I mean, we're just in San Diego, but that still looks cheap in comparison. The house is a little over twice what ours cost when we bought it (mortgage is 3x), and your income is about 33-66% higher. i'm guessing this would pinch your...
by Easy Rhino
Mon May 14, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 5037

Re: How to think about schools/homes (Greatschools/Niche)

you mention you can comfortably afford the new payment, but also that you'd miss the money, so there may be a bit of a disconnect there.

Is the idea of private school at all being considered? Because if so, the more expensive house is definitely cheaper than private school.
by Easy Rhino
Mon May 14, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9100

Re: Is there a boglehead muscle car?

I remember reading about some guys putting drag racing engines into a geo metro.

Buy that car.
by Easy Rhino
Tue May 08, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 136
Views: 12731

Re: What have you baked recently?

My daughter and I made some neiman marcus recipe chocolate cookies, which are just the best.

https://www.neimanmarcus.com/NM/NM-Cook ... 0745/c.cat
by Easy Rhino
Tue May 08, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Whole house fan
Replies: 7
Views: 1667

Re: Whole house fan

Had one installed by a contractor about 3 years ago along with insulation work and stuff. I believe the fan is a panasonic. It has a high and low switch and is quite brawny. The fan is a bit removed from the ceiling via a large duct so it's a bit quieter. It's really nice when the outside is at leas...
by Easy Rhino
Tue May 08, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 44
Views: 6367

Re: Alliant 3/2.5% card - any experience?

the back has the actual card number, expiration date, and CVV code, which is probably why he doesn't have a picture of it :) i've got the card, just hit my 1 year anniversary (and the fee). it's a good card. Only notes: 1) The card servicing is indeed outsource to a third party. Alliant does work wi...
by Easy Rhino
Mon May 07, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6726

Re: When to buy new underwear?

I must have purchased undies with better elastic, because instead of needing to throw them away when the elastic wore out, several pairs have actually had holes worn in themselves before that point.
by Easy Rhino
Thu May 03, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106616

Re: To take or not to take delivery of Tesla 3

During my decision making to order or wait for base model, I did a savings estimate for a long trip. From Atlanta to detroit, for a Model S 100D (Range of 335 miles), the savings given were $96 with 4 stops totaling 145 mins (2 hours 25 mins). For Model 3 (330 miles), it is showing gas savings of $...
by Easy Rhino
Thu May 03, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6749

Re: Pay $2500 in rent or continue living at home

well you distilled the question very simply, $2500 is a lot of money, but you love living alone.

I lived at home for almost a year when I was 30. I was eager to move out when I got a job (in another state, no less)!

Good job helping your aunt out, though!
by Easy Rhino
Thu May 03, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Implications if Stop Reinvest Dividends
Replies: 13
Views: 1473

Re: Tax Implications if Stop Reinvest Dividends

Vanguard may be able to tell you the cost basis, even if it's non-covered.

For instance, about 20 years ago Charles Schwab was able to go back 10 years and provide me the cost basis for about 30 lots of an individual stock.
by Easy Rhino
Wed May 02, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Separate wifi network for internet enabled devices?
Replies: 9
Views: 948

Re: Separate wifi network for internet enabled devices?

ASUS firmware is generlly pretty robust. It will definitely support a guest network. But probably not two. Maybe, but probably not. Two probably wouldn't help you much anyway. either you want a client to chit-chat with other clients in your house... or you don't. A bigger router with more antenna (t...
by Easy Rhino
Wed May 02, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: 100%, 75%, 50% Joint & Survivor?
Replies: 17
Views: 1793

Re: Which PERS Benefit Option would be best?

I'm not smart enough for advice, but her are thoughts. She has the bigger pension amount, but is younger. How is your health? All things equal, there's less chance her death benefit will be necessary. Can she delay drawing on the pension to increase her benefit? Can you delay your own Social Securit...
by Easy Rhino
Wed May 02, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Separate wifi network for internet enabled devices?
Replies: 9
Views: 948

Re: Separate wifi network for internet enabled devices?

What's your current router? Lots of routers allow a guest network to be set up. This should allow access to the internet for those things, but not to other machines on your network. So for instance don't use it if you want to stream video from your phone to your TV. Wired ethernet connections don't ...
by Easy Rhino
Thu Apr 26, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1964

Re: COMCAST - Modem / Router recommendation

okay, what's with comcast trying to scare off people with relatively slow internet service and telling them they need to upgrade to docsis 3.1? I hear that docsis 3.1 is supposed to have some efficiency benefits for the cable company, but that just seems unnecessary and rude. anyway, ideas for your ...
by Easy Rhino
Wed Apr 25, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1964

Re: COMCAST - Modem / Router recommendation

Get a cable modem fast enough to support whatever you're paying for from Comcast. Get a router that can handle the speed from comcast, size of your house, and number and speed of your devices. Most flexibility if you get cable modem and router separately. DOCSIS 3.0 is the old/current standard. 8 ch...
by Easy Rhino
Mon Apr 23, 2018 6:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 90
Views: 14073

Re: Too much Bogleheads.org?

I was super duper active and thinking when I first joined. Two, actually 3, things have reduced the time I spend here. 1) Getting my portfolio and plan to a relatively set it and forget it phase. 2) Not having had a financial crisis for a while (knock wood) 3) Getting married and having a couple of ...
by Easy Rhino
Mon Apr 09, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 16224

Re: Parents have zero savings. What can I do?

sallright wrote:
Sat Apr 07, 2018 12:10 pm
My in-laws have zero savings for retirement and I'm concerned about how it will impact our financial future.
You and me too, brother!
by Easy Rhino
Thu Apr 05, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 17534

Re: What can we learn from secret millionaires.

Jack FFR1846 wrote:
Wed Apr 04, 2018 9:43 am
Come to find out that the basement was a giant garage where he had numerous Ferraris, a Lotus and the Cobra stored. He dressed like a homeless guy.
i just want to know how he got all the cars in the basement!
by Easy Rhino
Tue Apr 03, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Big time home inspection issues
Replies: 44
Views: 5509

Re: Big time home inspection issues

I strongly suspect there were other problems with the house the inspector didn't find. They can only do so much in a few hours.
by Easy Rhino
Fri Mar 30, 2018 7:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 21144

Re: A lot of heavy hitters this morning

Jack FFR1846 wrote:
Wed Mar 28, 2018 10:14 am
On my lunchtime walk yesterday, I found a dime in the parking lot. When I got home, I showed my wife and told her all about it...
Oh boy mister, then let me tell you about the pair of Christmas boxer shorts I got on sale for 40 cents!
by Easy Rhino
Wed Mar 21, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 14554

Re: HSA family max contribution lowered to $6850 for 2018

Thanks for the heads up bogleheads! nothing yet from my employer's payroll department about this. so hopefully I'll just be able to adjust my withholding to fit the new limit. the HSA custodian (UMB bank) has a little splash on their login screen... but I don't often log into that account for any re...
by Easy Rhino
Wed Mar 21, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Deluxe: How to report HSA interest/capital gains in CA
Replies: 3
Views: 307

Re: H&R Block Deluxe: How to report HSA interest/capital gains in CA

I noticed this was missing as well in the HRB software. Now... in my case, my HSA is invested in US treasuries, so I was able to ignore it (because I'd add in the interest and then subtract it again), but it did seem weird there was no data entry point. can you use the 'view forms' feature and enter...
by Easy Rhino
Wed Mar 21, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 7119

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

I used to use TaxAct, because it was super inexpensive. it was fine, but the price went up recently. I switched to HRB, which is also fine. With the caveat that importing data from pretty much anywhere (brokerage or Quicken) just doesn't work right. And it's super cheap, I got it for around $15/$17 ...
by Easy Rhino
Mon Mar 19, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Should I continue to participate in my Megacorp ESPP?
Replies: 12
Views: 1478

Re: Should I continue to participate in my Megacorp ESPP?

Well if you can max it out then it's potentially a free $2500 added to your wages (minus commissions, and of course the risk). Probably not enough to make you independently wealthy, but nothing to sneeze at. My own company does a monthly ESPP. I've sold every month, and literally until just now I ha...
by Easy Rhino
Mon Mar 19, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I do this ESPP (with Computershare as the broker)?
Replies: 12
Views: 1196

Re: Should I do this ESPP (with Computershare as the broker)?

my company's espp is with computershare. Their website is pretty lame, I don't like the way they present their cost basis and history, and I get charged $30 each time I sell. At least they added a direct deposit option instead of mailing checks somewhat recently. The 6 month waiting period before yo...
by Easy Rhino
Mon Mar 19, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: 9th grade earth science honors or biology honors
Replies: 28
Views: 1905

Re: 9th grade earth science honors or biology honors

If she might be on a highly competitive college admissions track then the Biology class will probably be more useful?
by Easy Rhino
Thu Mar 15, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: Do You Believe Diversification Is More Important The Shorter The Time Frame?
Replies: 13
Views: 1309

Re: Do You Believe Diversification Is More Important The Shorter The Time Frame?

If the investment is extremely conservative, then over a short time I'd argue diversification is unnecessary.

Over the long term, returns might be too low, though.
by Easy Rhino
Tue Mar 13, 2018 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help with how to respond to CP2000.
Replies: 28
Views: 3488

Re: Help with how to respond to CP2000.

When I tried to call a year or two ago, the hold time was literally approx. 6 hours.

I just responded in writing, and waited about 3 months for the response. (not exaggerating again).

It all worked out OK.
by Easy Rhino
Thu Mar 08, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Need Help Solving A House Smell Mystery
Replies: 46
Views: 4435

Re: Need Help Solving A House Smell Mystery

we had a mystery smell a couple of year ago. vaguely stinky and chemically. Had a mold guy come in, did moisture tests, didn't find anything, but agreed there was a smell, but it wasn't a mold smell. Plumbing leak detection turned up nothing. Realized it was coming from the walls, and the contract w...
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: 5948

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: 7413

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: 8046

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: 9
Views: 1854

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.