Search found 3177 matches

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: 329
Views: 35053

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: 329
Views: 35053

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: 2278

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: 1320

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: 1231

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: 4770

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: 4770

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: 794

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: 2109

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: 339

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: 1294

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: 47
Views: 4171

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: 1473

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: 5482

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: 66
Views: 5382

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: 719

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: 9
Views: 1391

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: 2469

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: 543

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: 85
Views: 6625

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: 1745

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: 85
Views: 6625

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: 2719

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: 6812

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: 3880

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: 1232

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: 3717

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: 3077

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: 24993

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: 2575

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: 4533

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: 693

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: 9111

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: 2543

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: 2543

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: 2543

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: 3001

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: 3673

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: 7763

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: 1349

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: 15384

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: 2068

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: 5054

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: 3222

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: 1816

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: 7432

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: 4773

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: 7074

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: 7074

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: 1491

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...