Search found 4741 matches

by stan1
Wed Sep 20, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Help with Airline Transfer in Paris (CDG)
Replies: 11
Views: 769

Re: Help with Airline Transfer in Paris (CDG)

Since you have two tickets no matter what Iceland Air's stated policy is you might be at the mercy of the person at the check-in counter in Reykjavik. I'd plan on needing to claim and recheck them, and then be happy and thankful if the agent in Reykjavik checks them through to Poland.
by stan1
Wed Sep 20, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Where do mid-caps fit it?
Replies: 13
Views: 1118

Re: Where do mid-caps fit it?

Right, there's no standard definition for mid-cap and small cap. So you'll find that Morningstar considers 42% of the Vanguard Small Cap fund to be mid-caps (and oh by the way Morningstar also says Vanguard Small Cap has a growth tilt).
by stan1
Mon Sep 18, 2017 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Proceeds of Home Sale
Replies: 5
Views: 488

Re: Proceeds of Home Sale

At some point it becomes a personal preference. Some would say keep it in an FDIC insured account because you might need it in a year; some would say put it in a muni bond fund to get the chance of higher yield (at higher risk); and others might say invest it per your asset allocation and liquidate/...
by stan1
Mon Sep 18, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Equifax breach after steps
Replies: 9
Views: 1102

Re: Equifax breach after steps

Thanks! During OPM breach I think they provided 3 years service of ProtectMy ID for free. Does that service by OPM misses something? Be careful! The service provided by OPM may have done what was claimed but it was also a scheme to collect more personal information and get you to aggregate your inf...
by stan1
Mon Sep 18, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: LastPass Issue
Replies: 10
Views: 1006

Re: LastPass Issue

Have you changed any security settings in Lastpass? Lastpass has an option to let you select how frequently you need to re-enter the master password. You can configure it for individual sites as well (such as always asking for master password before filling in the site password at a financial instit...
by stan1
Mon Sep 18, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: My in-laws' nest egg of $50k
Replies: 34
Views: 4128

Re: My in-laws' nest egg of $50k

Agree only FDIC insured investments (savings accounts and CDs) are appropriate. All of their money is an emergency fund.
by stan1
Mon Sep 18, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Comforter: Down Filling with Cotton Covering
Replies: 9
Views: 867

Re: Comforter: Down Filling with Cotton Covering

I have not bought from them but Brooklinen is one possibility I've been tracking. Interested in hearing what others have to say.
by stan1
Sun Sep 17, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Considering rolling over Vanguard funds to TSP
Replies: 13
Views: 975

Re: Considering rolling over Vanguard funds to TSP

Expense ratio on C fund in 2016 was 0.038% (3.8 basis points). Comparing an identical investment Vanguard S&P 500 Admiral shares is 0.04% (4 basis points). For example with $100,000 invested you would pay $38 in annual fees in the C Fund and $40 in annual fees in an identical Vanguard $&P 500 fund. ...
by stan1
Fri Sep 15, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Flex steel,mLazy Boy,or other sectional?
Replies: 10
Views: 549

Re: Flex steel,mLazy Boy,or other sectional?

Yes, you need to go sit in many different manufacturers product. A lot of furniture is surprisingly uncomfortable.
by stan1
Fri Sep 15, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Early mortgage payoff vs investing
Replies: 19
Views: 1522

Re: Early mortgage payoff vs investing

1) Max out retirement savings 2) Build a taxable account with at least $50-100K that lets you pay for a new car or major household expenses without taking out a loan or feeling like you've spent all of your wealth on an expense. 3) Only then start paying down your mortgage a little bit. For me liqui...
by stan1
Wed Sep 13, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 306
Views: 15365

Re: Iphone X is $1000

I still use a subsidized iPhone 6S I bought in Spring, 2015. Many people thinking they are on a 24-30 month refresh cycle are going to get sticker shock when they realize carrier subsidies have ended and even a 64MB iPhone 8 is $699. Guessing a lot of people (like me) will try to wait another cycle ...
by stan1
Tue Sep 12, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 3969

Re: What do you do in slow travels?

I enjoy urban hiking (walking through neighborhoods in a city, to include subway/tram rides between areas where I'm walking). A mobile phone helps with wayfinding, interesting neighborhoods, and points of interest but I walk at a brisk pace so I probably miss some things. Some of my favorites to do ...
by stan1
Tue Sep 12, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Using investment funds for Home purchase
Replies: 13
Views: 1095

Re: Using investment funds for Home purchase

I've used taxable accounts to pay for cars, home down payment, mortgage payoff, and large home improvement projects. In between I continue to invest in my taxable accounts. Don't let the tail (taxes) wag the dog. Remember you are paying taxes on the earnings not on the original principal. One of the...
by stan1
Mon Sep 11, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 2613

Re: "Luxury" Vinyl vs Laminate flooring?

I think part of this is a personal preference. LVT was pushed unnaturally hard at several of the local flooring stores we visited so I'll assume that means more profit for store owners and higher commissions for salespeople. Cost per square foot installed for LVT is not cheap because of the cost of ...
by stan1
Mon Sep 11, 2017 8:11 am
Forum: Investing - Theory, News & General
Topic: ownership of "small cap value" stocks
Replies: 50
Views: 3122

Re: ownership of "small cap value" stocks

This looks like a bubble also:

1 Apple Inc.
2 Microsoft Corp.
3 Alphabet Inc.
4 Amazon.com Inc.
5 Facebook Inc.

That's the Top 5 holdings of Total Stock Market.
by stan1
Sun Sep 10, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Rental Car Scam--Insurance claim or credit card chargeback?
Replies: 8
Views: 1211

Re: Rental Car Scam--Insurance claim or credit card chargeback?

Odds of a chargeback are very very low. Go with the insurance claim and hopefully it works out for you. This is a common practice outside the US (and I've had Avis do it in Charleston, SC and Miami, FL). Both times I appealed to Avis corporate and the charge was removed.
by stan1
Sun Sep 10, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Who actually buys lottery scratch offs?
Replies: 43
Views: 2675

Re: Who actually buys lottery scratch offs?

It's all a matter of degree. Is the budget $10/month? No big deal and may even be worth the investment if it helps you lead an optimistic, happy life. $100/month? Maybe, it depends. $1000/month? Addiction.
by stan1
Sun Sep 10, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance and Irma
Replies: 5
Views: 478

Re: Travel Insurance and Irma

Is this a cruise or a pre-paid all inclusive? Before looking at a travel insurance claim what's the cancellation policy? Are there any cancellation timelines such as 30 or 60 days advance notice that you need to be aware of?
by stan1
Sun Sep 10, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: FIL bought house on retaining wall hillside, questions on wall
Replies: 15
Views: 1707

Re: FIL bought house on retaining wall hillside, questions on wall

If there is a water leak anywhere he should be very concerned. Erosion is a very different situation than gravity.
by stan1
Sat Sep 02, 2017 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Should we let MIL pay off our mortgage?
Replies: 69
Views: 8654

Re: Should we let MIL pay off our mortgage?

I think what's being planned here is a multi-generational co-mingling of assets that all parties seem happy with. OP, spouse, MIL, SIL, and maybe even young children since the day they are born are signing up to shelter, feed, and care for each other through every possible up and down. Family patria...
by stan1
Fri Sep 01, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Start TSP disbursements and delay social security -- or the other way around?
Replies: 39
Views: 2442

Re: Start TSP disbursements and delay social security -- or the other way around?

This is a life expectancy question (if that's what you mean by complicated). Needs to based on your individual health circumstances not actuarial data. It is an awkward question but do you have any reason to believe either of you has a moderate to high chance of passing away within the next 10 years...
by stan1
Fri Sep 01, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Aerospace Stress Engineer Salary History
Replies: 13
Views: 3039

Re: Aerospace Stress Engineer Salary History

Yep, signing bonus aside, looks like folks are on track to double salary in 10-15 years.

And agree salaries in HCOL aren't always that much higher than LCOL areas. Very situational but market for engineers is sometimes nationally competitive and not driven by cost of living formulas.
by stan1
Thu Aug 31, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9177

Re: Companies/Brands You Love?

bltkmt wrote:
Wed Aug 30, 2017 12:07 pm
  • Tom Bihn
    Bluffworks
Glad to see two of my longtime favorites getting some love on BH, and I'll add:
Outlier (mens pants, shorts)
by stan1
Thu Aug 31, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Valuation of Private Business in Net Worth Calcuations
Replies: 18
Views: 737

Re: Valuation of Private Business in Net Worth Calcuations

$0. I'd treat it like a windfall if they were to be sold as you would if you received an inheritance or a legal settlement. Right now her holdings are illiquid until the company is sold or until your wife tries to sell her holdings (probably to an insider and possibly at a big discount).
by stan1
Wed Aug 30, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Couple in mid-30s looking for financial independence within 10 years
Replies: 34
Views: 6712

Re: Couple in mid-30s looking for financial independence within 10 years

I'm not going to ding you on speculative investing ... other than to say it's easy in a generally up market so the hard part is using your gut instincts in a way that lets you keep most of your gains given your desire to have the option to "cash out" and change the game. Riding out cryptos until 202...
by stan1
Tue Aug 29, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know you're not being scammed when buying a house?
Replies: 33
Views: 3157

Re: How do you know you're not being scammed when buying a house?

Drewman wrote:
Tue Aug 29, 2017 8:14 pm
SO let's clear this up...if the OP wanted to actually pull this over on someone how do we accomplish this? :twisted:
Send someone an official looking email asking them to wire their life savings to your bank account.
by stan1
Tue Aug 29, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know you're not being scammed when buying a house?
Replies: 33
Views: 3157

Re: How do you know you're not being scammed when buying a house?

What you need to worry about is wiring your closing proceeds to the right place.

https://www.consumerfinance.gov/about-u ... ing-scams/

It is a real problem. Your realtor/attorney, escrow company and lender should be talking to you.
by stan1
Tue Aug 29, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 63
Views: 6052

Re: When to give resignation notice

Since you have a contract I would comply with the terms of the contract -- nothing more and nothing less.
by stan1
Tue Aug 29, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Have Zero Credit Cards?
Replies: 129
Views: 6016

Re: Bad Idea to Have Zero Credit Cards?

As others have said credit cards give you greater legal protection against fraud. Debit cards leave more to the discretion of the financial institution on how they handle fraud. I do not have a debit card.

Just pay off a credit card balance every month (or every week if you must to feel debt-free).
by stan1
Tue Aug 29, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Buying home together
Replies: 17
Views: 1164

Re: Buying home together

How old are they? Doesn't seem very practical to me. They may want to go the their separate ways fairly quickly. If they proceed how they go about "breaking up" needs to be figured out in advance. Even still it could ruin their relationship for years if they disagree on how to sell a house. Why do t...
by stan1
Mon Aug 28, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Emergency funds and net worth calcs
Replies: 27
Views: 2467

Re: Emergency funds and net worth calcs

I keep some cash in FDIC insured CDs (2% and 3%) and "high yield" savings accounts. I also have a municipal bond fund in my taxable account. I include home equity in my net worth but I don't consider it to be part of my portfolio. If the housing market goes down then my net worth would go down accor...
by stan1
Sun Aug 27, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Affording assisted living
Replies: 44
Views: 3389

Re: Affording assisted living

They had hoped to live out their lives in their own home, but now feel they must move to assisted living. Do they just WANT to move there or has a doctor confirmed they NEED help with several Activities of Daily Living (ADLs)? Their doctor strongly recommended it. My understanding is that current i...
by stan1
Sun Aug 27, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: approaching 70, and a totally new situation.
Replies: 31
Views: 4123

Re: approaching 70, and a totally new situation.

'
Have fun! I see no need to change anything. Paying taxes just comes along with most types of income. People don't decline a pay raise because they would have to pay more in taxes.
by stan1
Sun Aug 27, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: NYC - Small Group Walking Tours?
Replies: 0
Views: 170

NYC - Small Group Walking Tours?

Any recommendations for small group walking tours in NYC? I'd like the group size to be no more than 10-12 people and for the commentary to be interesting (history and current).
by stan1
Sun Aug 27, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Last Will & Testament web app
Replies: 3
Views: 493

Re: Last Will & Testament web app

Rocket Lawyer and Legal Zoom. They will give you a basic will that you should assume would need to be updated promptly if anyone in it passes away. Don't forget Health Care Directive and Power of Attorney. Somes states have fill-in-the-blank forms that conform to their laws which you can easily down...
by stan1
Sun Aug 27, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Small-Cap Value has had higher returns than Total Stock Market, with lower risk
Replies: 49
Views: 4179

Re: Small-Cap Value has higher returns than Total Stock Market, with lower risk

I realize this is not a quantitative strategy but below is why I tilt away from Total Stock Market: Month-end ten largest holdings (16.5% of total net assets) as of 07/31/2017 1 Apple Inc. 2 Microsoft Corp. 3 Alphabet Inc. 4 Amazon.com Inc. 5 Facebook Inc. 6 Johnson & Johnson 7 Berkshire Hathaway In...
by stan1
Sun Aug 27, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: suggestion on buying our first home
Replies: 31
Views: 2480

Re: suggestion on buying our first home

Right, $700K in Sugarhouse is one thing but $700K is a lot of house South (Provo/Orem) or North (Ogden/Logan). Buying for location (such as proximity to campus) is one thing but people do build some very large homes by square footage in Utah that you'd want think through carefully. There are a lot o...
by stan1
Sun Aug 27, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: on track, but what about black swans
Replies: 34
Views: 2789

Re: on track, but what about black swans

In a cataclysmic black swan (e.g. hyperinflation, asset seizure, unreimbursed theft) having an extra couple hundred thousand or even an extra couple million won't make a bit of difference. It would be lost as well.
by stan1
Sat Aug 26, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Major career decision.. offer on table. Huge relocation decision.
Replies: 29
Views: 3052

Re: Major career decision.. offer on table. Huge relocation decision.

kjvmartin wrote:
Sat Aug 26, 2017 6:24 pm
I have a feeling Amazon Prime and Google Express will be helpful and that we will probably eat out less as a result of the fewer options.
Exactly
by stan1
Sat Aug 26, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Spine healthy recliner or lounge chairs, Euro etc
Replies: 8
Views: 1002

Re: Spine healthy recliner or lounge chairs, Euro etc

We bought two Himolla chairs. They were about 25% less than Stressless but don't have as many sizes and styles in the US. You'd want to spend some time in a store sitting in them before purchasing as they are still a large expense. We preferred the Himolla because it had an integrated fold out footr...
by stan1
Sat Aug 26, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Hiring a real estate agent to buy home
Replies: 21
Views: 1685

Re: Hiring a real estate agent to buy home

I also look for the ones who do low volume. I find it funny that the realtor community sees volume as a status symbol. I want my realtor to be dying of boredom such that my transaction and property search occupies their thoughts 24/7. I don't agree with this. If you are paying the same fee why woul...
by stan1
Sat Aug 26, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance Increase
Replies: 13
Views: 1267

Re: USAA Auto Insurance Increase

My understanding is USAA has different risk pools. We are in the mature retired officer pool and have been with USAA for 35 years. I think that helps.
by stan1
Sat Aug 26, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3181

Re: Desperate to get rid of mosquitoes, what else could we try?

It might help to understand whether this is a problem affecting your entire town, neighborhood, or very localized to your lot. If the entire area is seeing different weather patterns (rain, wind, heat) you might be facing an uphill battle much more so than if its very localized.
by stan1
Sat Aug 26, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Salary History for Chemical Engineer
Replies: 30
Views: 4836

Re: Salary History for Chemical Engineer

I think this is a pretty typical progression that's been true for a good engineer for a long time (doubling salary after 10-15 years). Yes there are outliers on either end. It looks like around Year 4 your prior employer decided they wanted to make an investment in keeping you around and I'd guess s...
by stan1
Sat Aug 26, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Major career decision.. offer on table. Huge relocation decision.
Replies: 29
Views: 3052

Re: Major career decision.. offer on table. Huge relocation decision.

Some federal law enforcement jobs expect a lot of mobility for promotion opportunities. I know someone who worked for Bureau of Prisons and he moved every 2-3 years with management of law enforcement jobs (last I heard from him he'd had several assistant warden assignments). You'd want to make sure ...
by stan1
Sat Aug 26, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: dresser for an adult?
Replies: 15
Views: 1326

Re: dresser for an adult?

It depends what you want but I have 20 year old Ikea dressers in my closet. They've been through 4 moves and serve their purpose well (deep, wide drawers). Something like an Nordli or Hemnes in their current line. My experience with the more expensive lines at Ikea is that they hold up perfectly fin...
by stan1
Fri Aug 25, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Any Function Geeks Out There
Replies: 11
Views: 698

Re: Any Function Geeks Out There

OP here. Linear works just fine for this. John was just wondering if he "pissed" away a lot of money along with the beer. Thanks for the help. 6 beers a month certainly isn't excessive. If you wanted to take it a step further you could figure out the opportunity costs had he done something differen...
by stan1
Fri Aug 25, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Priorities - Biglaw junior associate
Replies: 45
Views: 4372

Re: Priorities - Biglaw junior associate

This is all about your willingness to take risk. You need to know yourself. What would you do if your career path ended and similar biglaw job wasn't available? Would you be more likely to seek a government attorney job or would you want to move into a commissioned sales position where you might mak...
by stan1
Fri Aug 25, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Any Function Geeks Out There
Replies: 11
Views: 698

Re: Any Function Geeks Out There

And if you just use the average price the cost is $9410.70.

I'd guess there was an extra holiday tip or two and maybe some discounted happy hours so within the margin of error.
by stan1
Thu Aug 24, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: "Bargain" house in HCOL area
Replies: 34
Views: 3687

Re: "Bargain" house in HCOL area

Some ideas: Road widening or other construction project nearby, road or airport noise, foundation damage, water damage, mold, murder scene, grow house. Googling the property address is a good idea, as is walking down the street and asking the neighbors "what's going on here?". Realtor should be able...