Search found 208 matches

by Randomize
Fri Aug 12, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: 457 govt and non-profit - separate limits?
Replies: 2
Views: 302

Re: 457 govt and non-profit - separate limits?

Good question. I know for a fact that the 457 limit is separate from the 401 limit but am not sure about your situation. Please let us know if you find the answer elsewhere.
by Randomize
Mon Jun 27, 2016 2:51 pm
Forum: Investing - Theory, News & General
Topic: Brexit, Buy & Hold, & Investor Shaky Confidence
Replies: 23
Views: 3222

Re: Brexit, Buy & Hold, & Investor Shaky Confidence

The thing about stocks is that their value is a present-value calculation of their lifetime income with near-term earnings weighted much more heavily than long-term earnings. You may be right that the Brexit doesn't matter in the long-term but in the short-term, what will all that additional trade f...
by Randomize
Mon Apr 21, 2014 12:55 pm
Forum: Investing - Theory, News & General
Topic: Monte Carlo Software
Replies: 13
Views: 2111

Re: Monte Carlo Software

MCSim is a freebie I use. Not very flashy but the price is right :)

@Risk is a snazzier product I've used professionally. It's a huge step up in both performance and price tag.
by Randomize
Fri Mar 28, 2014 11:46 am
Forum: Personal Finance (Not Investing)
Topic: "Spinning Off" my 20 Year Old Son
Replies: 71
Views: 8656

Re: "Spinning Off" my 20 Year Old Son

Maybe all involved could have handled the situation better, however, I find it fascinating to take the side of the child. Should the parent have rewarded the disobedient child with a extravagant birthday party? It seems on the brink of "official manhood" he would show his father a little respect an...
by Randomize
Wed Mar 26, 2014 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of adding Small-Value and REIT
Replies: 11
Views: 1199

Re: Thinking of adding Small-Value and REIT

Why don't you think the small caps and REITs already present in your Total Market funds are enough?

If you can't answer that question, it's probably not the right move :)
by Randomize
Wed Mar 26, 2014 11:39 am
Forum: Personal Finance (Not Investing)
Topic: "Spinning Off" my 20 Year Old Son
Replies: 71
Views: 8656

Re: "Spinning Off" my 20 Year Old Son

This all started when on his 18th birthday, instead of having his party, I called for a room cleaning party, and mom and me helped him clean the pig pen. I had ask him repeatedly over 2 weeks to clean his room up. (fire hazard) That's why he moved out. Good luck to all you loving, caring parents. I...
by Randomize
Tue Mar 25, 2014 5:20 pm
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 36942

Re: Frugality regret: What thing do you regret not spending

DouglasDoug wrote:A ticket to see Lena Horne's great comeback, & generosity to now dead friends.
That reminds me: Black Sabbath with Ronnie James Dio tickets just before he died :(
by Randomize
Tue Mar 25, 2014 4:32 pm
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 36942

Re: Frugality regret: What thing do you regret not spending

I went to UHawaii @ Hilo my sophomore year and have always regretted not buying a car while I was there. While I made lots of friends and enjoyed the dorm life, I only got to leave Hilo a couple times while I was there and, what with walking and all, didn't get to fully enjoy even the local stuff as...
by Randomize
Thu Mar 20, 2014 5:35 pm
Forum: Personal Consumer Issues
Topic: Are Rheem gas water heaters good quality?
Replies: 16
Views: 58522

Re: Are Rheem gas water heaters good quality?

I work in the Energy Efficiency department of an electrical utility and the EE specialists swear by Rheem's Marathon water heaters. They're incredibly efficient and long-lasting. They do cost more but the energy savings alone may pay for the cost, depending on your local rates. Add in the peace-of-m...
by Randomize
Thu Mar 13, 2014 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: W. Buffett - Short-Term Gov. Bonds...
Replies: 15
Views: 3636

Re: W. Buffett - Short-Term Gov. Bonds...

1) Warren Buffett is bullish by nature. For many of us, jobs and retirements are less safe from a market crash. 2) For the "average investor" there are far better deals than that short term bonds: 1% savings accounts, bank CDs and I-bonds. These are not accessible in the market, and often better pr...
by Randomize
Wed Mar 12, 2014 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 177
Views: 38863

Re: Job Offer Negotiation / Interview Snafu

I feel your pain in dealing with HR, OP. Last summer, I was promised a promotion and 15% raise but, after the boss took it to HR, they claimed that they don't give out raises over 10%. It's a screwy situation where HR has the same authority as my division director... Anyway, the only way to get a bi...
by Randomize
Mon Mar 10, 2014 1:02 pm
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 71
Views: 10845

Re: Considering moving to Oregon

Cheap_rookie wrote:Hood River or the Dalles probably is it.
Hood River is like Waimea to the Dalles' Kona. They're 20 minutes apart (tops) but it's always raining in Hood River and always sunny in the Dalles.
by Randomize
Mon Mar 10, 2014 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a home while in college
Replies: 29
Views: 3080

Re: Buying a home while in college

Being a long-distance landlord stinks you have no idea where you'll move in the future either for work or personal reasons. As a guy who has had to move cross-state but still owns the same house, trust me, you don't want it.
by Randomize
Mon Mar 10, 2014 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 177
Views: 38863

Re: Job Offer Negotiation / Interview Snafu

This may have already been mentioned but you may have been better off not telling them what you're currently paid. By giving them that baseline, it changes their thought process from "What are we willing to pay him?" to "What is smallest raise he'll accept to leave his current job?" I made the same ...
by Randomize
Fri Mar 07, 2014 6:07 pm
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 71
Views: 10845

Re: Considering moving to Oregon

If you' don't want desert, Ashland is a cool town with a very hippy lifestyle (sort of like Eugene) that's a little smaller. They have an OHSU campus along with Southern Oregon University so both you and your wife would be in good position to find work. I grew up in Tillamook and have to admit that ...
by Randomize
Tue Mar 04, 2014 6:26 pm
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 43
Views: 3789

Re: Planning first trip to Oregon and Seattle - advice sough

Hey and welcome to the Northwest! I did my undergrad at Portland State and am a couple years younger than you so my perspective is more local youthy than touristy but if that's okay, be sure to stop by Montage for dinner. It's literally under a bridge and looks pretty sketchy from the outside but yo...
by Randomize
Fri Feb 28, 2014 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 13502

Re: Are 20 somethings handicapped bc of inflation and little

A couple thoughts: As has already been mentioned, inflation doesn't mean much when it comes to stocks since they'll grow in value with inflation. This is fairly basic as the value of a stock is the value of all future earnings and earnings = volume x price - volume x cost. If prices and costs rise, ...
by Randomize
Wed Feb 26, 2014 1:04 pm
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 4663

Re: Cruel math

Just measure expected returns as a geometric average rather than a traditional mean and you're good to go :)
by Randomize
Tue Feb 25, 2014 5:07 pm
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 3169

Re: Vacuum cleaner advice

Consumer Reports is a great resource for this. If you have hairy pets, I recently bought a Hoover Rewind at Costco after seeing it was highly rated for pet hair (and inexpensive) in Consumer Reports and am thus far very happy with it. My mother uses a Dyson Animal and it's pretty darned awesome. Sur...
by Randomize
Fri Jan 31, 2014 1:20 pm
Forum: Investing - Theory, News & General
Topic: Sleeping With Bonds!!!!!
Replies: 74
Views: 9150

Re: Sleeping With Bonds!!!!!

An increase in interest rates would just cause me to sell some equities and buy more bonds yielding higher interests. :moneybag If interests go down and equities go down too, I'll sell some of my newly expensive bonds to buy cheaper equities. Isn't a balanced portfolio fun? :mrgreen: +1 for this. M...
by Randomize
Fri Jan 17, 2014 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Misc for work on rental property?
Replies: 9
Views: 3750

Re: 1099-Misc for work on rental property?

So yeah, his number has been disconnected and he hasn't been responding to e-mails. How well does the IRS take the "I couldn't get ahold of him to give him a 1099!" excuse? :?
by Randomize
Wed Jan 08, 2014 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Misc for work on rental property?
Replies: 9
Views: 3750

Re: 1099-Misc for work on rental property?

Thank you. Now let's see if I can even find the guy...
by Randomize
Wed Jan 08, 2014 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Misc for work on rental property?
Replies: 9
Views: 3750

1099-Misc for work on rental property?

Hi everybody, I'm a bit confused over 1099's. I hired a landscaper to spruce up my rental property this summer for a total expense of $1320, including materials. Do I need to file a 1099-Misc for this? Part of that expense I made as direct payments to Lowes formaterials - would I have to issue a 109...
by Randomize
Wed Jan 08, 2014 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: How low to go on selling a rental property?
Replies: 33
Views: 3297

Re: How low to go on selling a rental property?

hand wrote:Forbes has a calculator to determine sell vs. Rent:

http://www.forbes.com/fdc/rentorsell.shtml
Thanks. That was very helpful for cutting through the clutter.
by Randomize
Tue Jan 07, 2014 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 6266

Re: The Rent is Late

Several thoughts: 1. Helping them out with downpayment is nice but a poor business practice. You essentially agreed to less than you deserved from the beginning. 2. Signing a 2nd long term lease with someone that does not easily have the ability to pay is a poor business practice and it limits your...
by Randomize
Tue Jan 07, 2014 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 6266

Re: The Rent is Late

Just an update for everybody who helped: As was posted, the tenants paid a couple months worth of back-rent in October. They have since kept current and moved out on January 1. They still owed another month's worth of rent but the deposit covered it. Fortunately, there's only minimal damage to the h...
by Randomize
Tue Dec 17, 2013 7:30 pm
Forum: Personal Consumer Issues
Topic: Good book for gift to high school senior?
Replies: 31
Views: 3659

Re: Good book for gift to high school senior?

The odds of an 18 year-old reading anything having to do with finance is about zero so maybe try something that would help him be a more thoughtful human being?

On The Road did that for me. Throw in a gas card or Amtrak/Greyhound gift card and you've got yourself a nice gift pack.
by Randomize
Thu Dec 12, 2013 11:57 am
Forum: Personal Consumer Issues
Topic: Heat Pump
Replies: 19
Views: 2782

Re: Heat Pump

Heat pumps actually have a built-in thermostat that determines when the backup resistance heat kicks in. The cheapest ones (less than $5 dollars) are set to 40 degrees so contractors will frequently use them even though the units can efficiently operate at lower temperatures. Do yourself a favor and...
by Randomize
Thu Dec 12, 2013 11:50 am
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 21150

Re: What percentage of your income are you saving?

The wife and I are both back in school, me working full-time and her part-time, so probably only 7% until we get the student debt paid down, then more like 15-20%. I have a pension and she'll have one too in her prospective line of work so that should be plenty.
by Randomize
Mon Oct 28, 2013 1:44 pm
Forum: Investing - Theory, News & General
Topic: New ibond rates for nov 2013
Replies: 45
Views: 9080

Re: New ibond rates for nov 2013

Conspiracy theories are off-topic, but enough people believe this particular one that it is worth addressing occasionally. US inflation rates are based on publicly available definitions and publicly available pricing data. If you are going to make a claim that they are understating the inflation ra...
by Randomize
Mon Oct 14, 2013 6:30 pm
Forum: Personal Consumer Issues
Topic: Can't seem to spend money on myself, guilty feelings
Replies: 34
Views: 4024

Re: Can't seem to spend money on myself, guilty feelings

OP, I feel your pain. My wife and I are still in school so even though I have a decent job already, finances are pretty tight while making aggressive payments on student loans. We pay the bills on time and keep up with the statement balances on credit cards but there's no slack there. Maybe it's bec...
by Randomize
Thu Oct 03, 2013 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 6266

Re: The Rent is Late

Why are you renting your house and living in a 'crummy duplex"? 1. We don't live in that area any more. Had to move for a job after being laid off. 2. Can't sell it and don't want to own two houses. The housing market in the area is still terrible (10%+ unemployment) so I'd have to write a check to...
by Randomize
Thu Oct 03, 2013 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 6266

Re: The Rent is Late

Good news: I was in the area for a meeting earlier this week and was going to issue a Pay or Vacate notice while in town. I checked my account literally minutes before driving over and saw they'd paid two months' worth of rent. It's not enough to catch them up but it will definitely buy them some mo...
by Randomize
Mon Sep 30, 2013 4:06 pm
Forum: Personal Consumer Issues
Topic: F150 Fair Price
Replies: 12
Views: 1683

Re: F150 Fair Price

For that sort of money, could you get a diesel? If it's the last truck you ever want to buy, it would be reassuring to know that your engine is good for 300K. Also, be sure to check the fine print on the financing agreement. My wife (we weren't married at the time) bought a Kia at some terrible rate...
by Randomize
Fri Sep 27, 2013 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is Bond/Bond Fund investing just a bad idea all around now?
Replies: 40
Views: 5038

Re: Is Bond/Bond Fund investing just a bad idea all around n

What's your timeframe for when you'll need the money? If it's comparable to or longer than the duration of your bonds or bond fund, it would be a bad idea to stay in cash.
by Randomize
Fri Sep 27, 2013 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Student loan repayment plan
Replies: 20
Views: 1772

Re: Student loan repayment plan

You are making a horrible mistake; a lifetime of debt. Sorry, but you won't even be able to make your interest payments. The arithmetic is simple. The annual interest payment on $235,000 of 20-year loan debt at 3% is a little more than $15,000 a year (~$1300 a month). The average pharmacist makes a...
by Randomize
Fri Sep 27, 2013 11:29 am
Forum: Personal Finance (Not Investing)
Topic: "Lottery Winner Sues Advisors for Poor Policies"
Replies: 6
Views: 1731

Re: "Lottery Winner Sues Advisors for Poor Policies"

It'd be satisfying to see these guys go down for breach of fiduciary duty. What a bunch of sharks.
by Randomize
Thu Sep 26, 2013 5:28 pm
Forum: Personal Consumer Issues
Topic: Heat Pump
Replies: 19
Views: 2782

Re: Heat Pump

Ductless mini split heat pump systems are a great way to retrofit an older building. Maybe that's what they used. http://energy.gov/energysaver/articles/ductless-mini-split-heat-pumps The ductless models tend to be more effective at heating than their ducted counterparts for whatever reason. The te...
by Randomize
Wed Sep 25, 2013 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 6266

Re: The Rent is Late

Their words were that they were receiving a check from his 401k. I had assumed it was a loan but on second thought, they must be cashing it out and taking the penalty. Good advice, thanks everyone. I've put together a summary of payments made and amounts due and will send it on to them today. Assumi...
by Randomize
Tue Sep 24, 2013 12:22 pm
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 18342

Re: Weight Loss Plans?

Thanks for the recommendations on myfitnesspal. A week in, it's already very, very clear that my long-time staple of Mac'n'cheese for lunch has been the culprit behind my weight gain :D
by Randomize
Tue Sep 24, 2013 11:52 am
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 6266

Re: The Rent is Late

Thanks for all the comments. On Saturday, I talked with her over the phone. She apologized profusely, reiterated that they've had some kind of delay on his first paycheck with the new job, and asked to have until the end of this week to pay the last couple months' worth of rent. Regardless of whethe...
by Randomize
Fri Sep 20, 2013 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 6266

Re: The Rent is Late

Thanks, guys. Any advice on going after back-rent once they're out? Is it worth taking them to court or better to just move on?
by Randomize
Fri Sep 20, 2013 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 6266

The Rent is Late

Back in November 2010, I bought a house and lost my job in June of the following year. After about a year of unemployment and part-time work, I found my current job but had to move several hours away. With the housing market in the tank and minimal equity in the home, I decided to rent it out and fo...
by Randomize
Thu Sep 19, 2013 3:29 pm
Forum: Personal Consumer Issues
Topic: About to buy a boat
Replies: 47
Views: 4393

Re: About to buy a boat

Can't help it. Not appropriate for children. I'm on a Boat!
by Randomize
Tue Sep 17, 2013 1:15 pm
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 18342

Re: Weight Loss Plans?

My wife has lost 25 pounds or so over the last 6 months doing a couple things. First, she tried Advocare and lost maybe 15 pounds in 2 months but it's expensive and a lot of the "cleanse" pounds came back after they stopped taking the Fiber shakes. Since running out of the bundled Advocare stuff, sh...
by Randomize
Thu Sep 12, 2013 1:03 pm
Forum: Personal Consumer Issues
Topic: Help me save on my $130 cell phone bill
Replies: 34
Views: 4751

Re: Help me save on my $130 cell phone bill

slopecarver wrote:Try one of the ones listed here:
http://en.wikipedia.org/wiki/List_of_Un ... _operators

I'm using Go Redpocket, you could lower your bill to $80/mo with it but you would need an ATT phone.
LOL @ 420-Wireless :mrgreen:
by Randomize
Fri Sep 06, 2013 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Please, where do I find my Credit Score?
Replies: 13
Views: 1549

Re: Please, where do I find my Credit Score?

I also did the MyFico trial and immediately cancelled with no issues. If you don't want to give a credit card, try credit.com. They pull your Experian info once a month and generate an estimated score. It was identical to the score that MyFico gave me. CreditKarma does the same thing with Transunion...
by Randomize
Fri Sep 06, 2013 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Help switching Insurance - anyone use Geico??
Replies: 30
Views: 3415

Re: Help switching Insurance - anyone use Geico??

I used Geico for several years and had no issues. My only claim was a roadside/towing job and it worked flawlessly. The only reason I left them was Progressive shaved 50% off my premiums :happy