Search found 3228 matches

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: 16
Views: 2471

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: 3709

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: 2771

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: 4494

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: 138
Views: 7135

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: 124
Views: 10068

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: 1405

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: 39
Views: 5179

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: 5959

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: 977
Views: 75560

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: 6297

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: 1333

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: 861

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: 1681

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: 861

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: 1715

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: 1715

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: 79
Views: 11157

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: 14833

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: 16900

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: 5231

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: 18750

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: 13708

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: 278

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: 6781

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: 1339

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: 1072

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: 1666

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: 1214

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: 3013

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: 45
Views: 4074

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: 5668

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: 6979

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: 7468

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: 1753

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: 5668

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: 1384

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: 557

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: 1740

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: 6313

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: 14121

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: 257
Views: 34388

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: 105
Views: 10615

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: 1162

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: 6313

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: 3416

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: 3979

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: 1046

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: 2044

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.