Search found 85 matches

by tamudude
Thu Dec 26, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Guides for switching from iPhone to Galaxy
Replies: 1
Views: 231

Re: Guides for switching from iPhone to Galaxy

Does anyone know of a good getting-started type guide to recent Samsung Galaxy phones (like S10) for someone coming from iOS? Thanks. (P.S. Please, no platform wars) Here are a few to get you started.... https://www.digitaltrends.com/mobile/how-to-switch-from-iphone-to-android/ https://www.samsung....
by tamudude
Thu Dec 26, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Anti Virus?
Replies: 36
Views: 2118

Re: Anti Virus?

I now own my first Windows based computer in 20 years...Old Mac guy here...whats the deal with Anti Virus? Which one is worth buying and do I need one at all really? TIA! No comments on buying a Lenovo, it was an accountant deal...but yes I still have all my Apples...and marbles too? Built-in secur...
by tamudude
Thu Dec 26, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 & Quicken 14 month subscription
Replies: 5
Views: 522

Re: Turbotax 2019 & Quicken 14 month subscription

Amazon.com has a $20 off deal today if you purchase both Turbotax 2019 and a 14 month Quicken subscription. I was able to purchase TT 2019 Premier and a Quicken Deluxe 14 month subscription for a total of $62. The $20 discount appears at checkout. I renewed my Quicken 2019 Premier subscription for ...
by tamudude
Thu Dec 26, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Long Plane trip - 16 Hours to Shanghai
Replies: 67
Views: 6029

Re: Long Plane trip - 16 Hours to Shanghai

Hi, Going to Shanghai for work for 2 weeks in February. I am on a Delta flight out of Atlanta non-stop and that makes it over 16 hours in the plane. I am in a new section called "Premium 1". It is above Delta Comfort but not full reclining business class. FYI, the ticket cost $1,100 v. BC which is ...
by tamudude
Fri Apr 12, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 10283

Re: Buying a house next year. Wife wants a big house. Thoughts?

You have said in a later post that you are based out of Texas. Being a former resident of a master planned community in a suburb of a major Texas city, I can give you the following feedback (we moved from a 2150 sq ft single storey home @206k to a 3300 sq ft two storey home @450k): 1. A bigger house...
by tamudude
Mon Feb 25, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Which Free Antivirus for Macs?
Replies: 26
Views: 1845

Re: Which Free Antivirus for Macs?

I have a Mac and have been using the free version of Avast for about 4 years. I would like to use something else... or maybe a newer version? Any suggestions? I also use Malwarebytes. I tried the search field but everything that comes up is at least a year old. None. Uninstall Avast and go "full co...
by tamudude
Tue Dec 18, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 3027

Re: Tips for a cold bedroom above a garage?

BashDash wrote:
Tue Dec 18, 2018 4:23 pm
Hi all,
The title says it all. An oversized one car garage with a master bedroom that is chilly even when heat is at 70 degrees. I know this is common. Any simple solutions? Thanks in advance!
A smallish space heater (automatic) was the best solution for us when we had the same issue.
by tamudude
Fri Nov 30, 2018 6:11 pm
Forum: Personal Investments
Topic: New 401k has terrible fees; options?
Replies: 22
Views: 1174

Re: New 401k has terrible fees; options?

We max out our 401k’s every year. Starting in January, my DW is starting a job where the average fees on the limited index funds are > 1% (some are 1.15%.) Most I’ve seen in previous 401k’s are below 0.20%. For reference, we’re in the 24% bracket. She’s at least 12 years from retiring. In 2020, she...
by tamudude
Thu Oct 18, 2018 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Masters Degree Advice
Replies: 25
Views: 2709

Re: Masters Degree Advice

I am a recent mechanical engineering graduate (<1 year) and am looking for some career advice. I just started working and am making about 70k a year prior to overtime. I do not receive time and a half unfortunately, I get straight time. So an opportunity may arise in the near future to have my Mast...
by tamudude
Mon Oct 08, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: U.S. mailing address/forwarding for expats
Replies: 28
Views: 4308

Re: U.S. mailing address/forwarding for expats

This may be more a question for expats (which I'll become in less than two weeks) or RV travelers: What service have you found reliable to use as a U.S. mailing address, including occasional mail forwarding? I'm moving to Mexico, where the local mail service is terrible. So I'd like an address I ca...
by tamudude
Sun Aug 05, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 5277

Re: Dear BH, what are non-BH actions you do?

Bought new cars for me (in 2011) and SO (in 2013).
We eat out frequently especially on weekend afternoons).
I keep my company ESPP longer than the recommended BH interval (which is ASAP!! :) )
Splurge on electronics.
by tamudude
Wed May 23, 2018 8:19 pm
Forum: Personal Investments
Topic: Funding Roth IRA with with lump sum or DCA?
Replies: 5
Views: 724

Re: Funding Roth IRA with with lump sum or DCA?

I have a money market account I have been using to save for a house, however my housing plans have changed. Also in this account I have over sox months emergency fund which I am not going to touch. So I have excess money that I would like to use to max it my Roth. Should I go ahead and do this all ...
by tamudude
Wed May 23, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 59
Views: 5579

Re: Quicken - Do you use it?

Is it perfect? Absolutely not! However no software we use is perfect. I have been using Quicken for the last 5 years and it has been a very good tool in my financial arsenal. I have caught fraudulent charges on my wife's CC, I have seen late charges hit erroneously, I even use an account which is in...
by tamudude
Mon May 21, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: What are downsides of ESPP @ 15% discount ?
Replies: 41
Views: 5647

Re: What are downsides of ESPP @ 15% discount ?

What are the downsides of ESPP when you can get a 15% discount on lesser of share price of 1st month and end of 6th month and immediately sell at 15% discount at next day with short term cap gain ? Disadvantages of this 'immediate' ESSP ? -- 1. Short term tax impact, 2. Tx cost for Sell (not buy), ...
by tamudude
Wed May 16, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3869

Re: Brake work estimate

All, Thanks a bunch for the advice. Answers to a few qs in the thread: I live in a southern state so no salt. The front pads are fine per the shop. I prefer going to a shop rather than craigslist :) I called the shop and spoke to the owner. He reviewed the paperwork and agreed that the rotors do not...
by tamudude
Tue May 15, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3869

Brake work estimate

Got an estimate from my neighborhood independent shop for brake job on the rear for my 2011 Ford Explorer. It has 67k miles on it and still has the original OEM brakes. Here is the quote I received: Rear Brake Pads $97.95 Parts Cleaner $6.99 Rear Rotors (qty 2) $210.98 Labor $178.50 Supplies $17.30 ...
by tamudude
Sun May 13, 2018 3:29 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 7228

Re: New Car Suggestions: BMW Crapping Out

Hi Bogles, My 5 year old BMW x5 is starting to crap out (had several $1,500+ repairs in last few months). Going to trade her in and get a new/used car. Our other vehicle is a 2013 4Runner which we love. We are looking for a comfortable SUV that would be a good highway driver for my commute (30 min ...
by tamudude
Sat May 12, 2018 11:21 pm
Forum: Non-US Investing
Topic: US expat frustrations with Australian superannuation
Replies: 13
Views: 2428

Re: US expat frustrations with Australian superannuation

Would help if you expanded on the expat bit....if you have signed an expatriate contract with your employer, you should be getting paid in USD with benefits (housing, schooling for children, car etc). Typically, said packages also include complimentary tax assistance with a reputed organization. If ...
by tamudude
Mon Jan 22, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 88799

Re: Quicken's future direction - a cause for concern

For those looking for a deal on Quicken 2018 Premier, I just ordered the 2 year disc from Sams Club for $81.56 shipped (a cool ~$50 off Amazon albeit with 3 months less). Deal is valid until January 28th. Do not order for local pickup. Your order will get cancelled :) Link here https://www.samsclub....
by tamudude
Sun Oct 30, 2016 9:19 pm
Forum: Personal Investments
Topic: Selling old house. What to do with the $$s?
Replies: 12
Views: 3611

Re: Selling old house. What to do with the $$s?

I would: 0. Eliminate PMI on your mortgage ($45k) 1. Pay off your wife's car ($9k) 2. I would consider frontloading the 529 contributions à bit, say $14k per kid which is the gift tax and then figure out where you are in your contributions timeline wise 3. Increase your cash emergency fund to nine ...
by tamudude
Sun Oct 30, 2016 12:03 am
Forum: Personal Investments
Topic: Selling old house. What to do with the $$s?
Replies: 12
Views: 3611

Selling old house. What to do with the $$s?

We recently moved to a bigger home. Idea was to sell off the old home and use majority of the $$ towards new home. That plan did not work out immediately but I was able to use existing money to get LTV of 90% on current home. Here is some background on my finances: 1. Maxing out 401(k) to $18k each ...
by tamudude
Sat Jul 09, 2016 11:21 pm
Forum: Personal Investments
Topic: Backdoor IRA for non-working spouse
Replies: 7
Views: 1266

Re: Backdoor IRA for non-working spouse

Correct. My MAGI is more than $193K as well as have a 401K and I am not eligible for Roth as well as Traditional deduction. My tax filing status is MFJ. My question specifically is - since neither me nor my wife can contribute to Roth directly or deductible TIRA, I have been doing backdoor for me b...
by tamudude
Sun Apr 03, 2016 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: back door Roth with existing rollover IRA
Replies: 15
Views: 1538

Re: back door Roth with existing rollover IRA

You should make sure the year that the backdoor ROTH is done that you move money from your traditional IRA to your 401(k) prior to Dec 31 of the same year. At the end of the day, balance in any of your traditional IRAs must be zero as of Dec 31st of the year you are doing the backdoor so that you do...
by tamudude
Wed Feb 24, 2016 1:09 am
Forum: Personal Investments
Topic: Backdoor ROTH or payoff mortgage?
Replies: 5
Views: 927

Backdoor ROTH or payoff mortgage?

Fellow bogleheads, Between yearly bonus and tax return I am in a position to either pay-off my mortgage ($8500 balance) or put money in backdoor ROTH ($11k for me and wife combined). I have emergency savings for 6 months, max out 401(k), max out HSA, invest in company ESPP (15% discount), invest in ...
by tamudude
Sun Feb 21, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: DELL Certified Refurbished woes
Replies: 16
Views: 6601

DELL Certified Refurbished woes

Got a good deal on an Inspiron 15 5558 scratch and dent for my wife from the Dell Outlet with a 1 yr warranty. I knew that I was getting a refurbished unit and upon receipt noted the few very minor scuff marks and was ok with it. However, upon resting it on a flat surface I noticed that it would roc...
by tamudude
Thu Feb 11, 2016 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on how to get the most of my yearly performance review?
Replies: 28
Views: 4022

Re: Tips on how to get the most of my yearly performance review?

8. Make sure you provide 360 feedback to your boss about what he did well and what he needs to improve on. :shock: When done properly this is a powerful tool to work with your boss on improving your working relationship. Keep it professional and make sure the discussion relates around his relations...
by tamudude
Wed Feb 10, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on how to get the most of my yearly performance review?
Replies: 28
Views: 4022

Re: Tips on how to get the most of my yearly performance review?

So the last 2 guys that responded. Do you guys or your managers not come into the review with a raise in hand? Is the raise assigned after the review is completed? In my experience, granted this is only at 2 Tier 1 Automotive Supplier Megacorps and my current large (but not Megacorp) privately owne...
by tamudude
Tue Feb 09, 2016 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on how to get the most of my yearly performance review?
Replies: 28
Views: 4022

Re: Tips on how to get the most of my yearly performance review?

My background is in Engineering and I will be having my yearly performance review meeting in the next few days. In this meeting we usually talk about my strengths, weakness, and my new goals for the year. I would like to hear from bogleheads how they maximize this opportunity and any other things I...
by tamudude
Sat Jan 30, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Home security system - cost to convert from landline to cellular
Replies: 11
Views: 9284

Re: Home security system - cost to convert from landline to cellular

I was in the same situation as you are. Was with ADT who were charging me $36/month on a 3 year contract. I evaluated my options and moved to SmithThompson which is only $16.95/month with no contracts. Prepaying a year gives you a free month. I paid a one time fee of $49 for them to install a cellul...
by tamudude
Sat Jan 30, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tip on an older HP Printer
Replies: 10
Views: 1823

Re: Tip on an older HP Printer

HP printers are crap. I changed from HP to a Brother inkjet MFC and have been very happy.
by tamudude
Sun Jan 24, 2016 2:51 pm
Forum: Personal Investments
Topic: Traditional IRAs - Vanguard
Replies: 1
Views: 331

Traditional IRAs - Vanguard

We have been doing Backdoor ROTH for a couple of years now.If memory serves me correctly last year we reused a Traditional IRA created in Vanguard. This year however it looks like the Traditional IRA for my wife has disappeared (I did verify the setting for not displaying $0 balance accounts in Cust...
by tamudude
Sat Jan 23, 2016 4:08 pm
Forum: Personal Investments
Topic: ROTH contribution dilemma
Replies: 2
Views: 585

ROTH contribution dilemma

I did an initial pass of our 2015 IT returns and it looks like both me and my wife can do a limited contribution ($520 each) to our ROTH IRAs for 2015. We always do backdoor ROTH contributions every year. So for 2015 which is the better option; 1. Contribute $520 each to ROTH IRA. Contribute $4980 e...
by tamudude
Mon Jan 18, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: Serta iComfort / Tempurpedic - Buying a Mattress
Replies: 40
Views: 9043

Re: Serta iComfort / Tempurpedic - Buying a Mattress

Hi All, Why did you pick Serta iComfort over Tempurpedic or Tempurpedic over iComfort? Did you spend the extra money and purchase the adjustable foundation/box spring? Are you happy you did? Any pitfalls you've identified after sleeping on the iComfort / Tempurpedic? Have you experienced issues wit...
by tamudude
Sat Jan 16, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 8718

Re: What's your company 401k contribution

At my place of work, if you contribute 6% you get a company match of 5% ($$ for $$ upto 4% and then 0.5% for every % upto 6%)
plus
4% basic match (irrespective of whether employee contributes or not)

In total, 9% which is great!!!
by tamudude
Sun Jan 10, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Optimal iPhone International Roaming
Replies: 6
Views: 1315

Re: Optimal iPhone International Roaming

I frequently travel to Norway and Scotland. With T-Mobile the secrets are simple; 1. Basic data is free (I believe 128kbps). Here is a good list http://www.t-mobile.com/optional-services/roaming.html Gives you great on the go data access to ensure you can take care of Facebook, Whatsapp, email (wor...
by tamudude
Sun Jan 10, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Optimal iPhone International Roaming
Replies: 6
Views: 1315

Re: Optimal iPhone International Roaming

I frequently travel to Norway and Scotland. With T-Mobile the secrets are simple (not iPhone specific though...); 1. Basic data is free (I believe 128kbps). Here is a good list http://www.t-mobile.com/optional-services/roaming.html Gives you great on the go data access to ensure you can take care of...
by tamudude
Thu Jan 07, 2016 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Deleted
Replies: 27
Views: 2885

Re: Just made IRA contribution, then converted to Roth... for my wife

She has no idea. Doesn't know, doesn't care. If I tell her, she nods absentmindedly. She doesn't know her Vanguard username, much less password. Barely knows she has a 403b, much less a 401a. I manage all contributions, exchanges, and rebalances (there are no withdrawals). She also has a TreasuryDi...
by tamudude
Sun Dec 27, 2015 4:26 pm
Forum: Personal Investments
Topic: Wife laid off. 401(k) options.
Replies: 13
Views: 1871

Re: Wife laid off. 401(k) options.

Thank you very much all. I really appreciate the feedback.
by tamudude
Sun Dec 27, 2015 1:40 pm
Forum: Personal Investments
Topic: Wife laid off. 401(k) options.
Replies: 13
Views: 1871

Re: Wife laid off. 401(k) options.

It makes no sense to defer tax and then turn around a pay tax at the same or a higher rate. Skip Option 3 unless you actually fall into a lower tax bracket. In fact, skip it unless you fall into the 15% bracket. Option 2 has a "b" choice - roll the bad 401k to a tIRA and you continue the back door ...
by tamudude
Sun Dec 27, 2015 1:34 pm
Forum: Personal Investments
Topic: Wife laid off. 401(k) options.
Replies: 13
Views: 1871

Re: Wife laid off. 401(k) options.

If your spouse is not being paid, then your AGI will be lower I suppose and it may make sense to go ahead and convert. You may wish to convert some in 2015 and some in 2016. Your post suggests that you alone have enough income so that your family will still need to do backdoor Roth if your spouse d...
by tamudude
Sun Dec 27, 2015 1:24 pm
Forum: Personal Investments
Topic: Wife laid off. 401(k) options.
Replies: 13
Views: 1871

Wife laid off. 401(k) options.

Due to the downturn in the oil patch, wife got laid off in October after 3 years with the company. The company 401(k) was with Mass Mutual (formerly Hartford) with terrible investment choices (limited funds and high ER). The current balance in the account is $26,257.94. Wife is currently looking but...
by tamudude
Sat Dec 19, 2015 1:01 pm
Forum: Personal Investments
Topic: 401(k) choice of funds
Replies: 2
Views: 447

401(k) choice of funds

Hi, My company offers good funds through Fidelity for my 401(k). Questions for the folks here; I am currently invested in the following funds using the three fund boglehead recommendation; S&P 500 Index Strategy Exp Ratio 0.10% Top 10 Holdings AS OF 9/30/2015 17.01% TOP 10 HOLDINGS APPLE INC 3.90% M...
by tamudude
Fri Dec 04, 2015 12:04 am
Forum: Personal Consumer Issues
Topic: Ford Edge or Nissan Murano or Something Else
Replies: 24
Views: 3800

Re: Ford Edge or Nissan Murano or Something Else

I am probably going to have to buy another car. I am considering the following, in no particular order: !. Ford Edge 2. Nissan Murano 3. Something comparable to those two above that the forum members recommend I prefer the following attributes in the order listed 1. Safety 2 Reliability and reasona...
by tamudude
Sun Nov 22, 2015 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Switching to a HDHP with HSA in 2016 - Several Questions
Replies: 9
Views: 1464

Re: Switching to a HDHP with HSA in 2016 - Several Questions

Situation: Federal Employee GEHA HDHP Premium pass through: $62.50 a month for a total of $750 1. The max contribution for a HSA in 2016 is $3,350. The premium pass through for my health plan is $750. My question is can I contribute an additional $2,600 to my HSA? 2. What is the best way to contrib...
by tamudude
Sun Sep 06, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: Mac Book Pro- do I need antivirus software?
Replies: 32
Views: 8439

Re: Mac Book Pro- do I need antivirus software?

Hi, I have a MBP which is around 4 -5 years old - used by me and kids with no problems until recently. It slows down when you try to open some of the regular programs. I am not sure if the kids downloaded somethings they should not have. What options do I have to 'check' my laptop? Do I need to use...
by tamudude
Wed May 27, 2015 6:12 pm
Forum: Personal Consumer Issues
Topic: Recommend Anti-Virus/Internet Security Suite Please
Replies: 16
Views: 2199

Re: Recommend Anti-Virus/Internet Security Suite Please

I want to get an anti-virus/internet security suite in the next two days. Can someone recommend a good product? I would like a firewall too at the very least that comes with the package. Are there any antivirus packages that come with free upgrades? I was looking around and it seems now you have to...
by tamudude
Thu May 14, 2015 8:19 pm
Forum: Personal Consumer Issues
Topic: shower glass coating that resists stains? does it work?
Replies: 10
Views: 7848

Re: shower glass coating that resists stains? does it work?

Got a quote to replace a glass shower enclosure, just a 3x 4 feet. Cardinal glass has a "10yr" glass coating to resist stains. Not cheap and would add extra $120 to cost. Anyone have any experience with this? Does it work? http://tools.cardinalshower.com/10/index.htm We had a baked-on coating appli...
by tamudude
Wed Apr 01, 2015 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Great ESPP not for "ME"?
Replies: 20
Views: 3059

Re: Great ESPP not for "ME"?

I'm in the same boat as OP -- except my ESPP discount is 10% -- and have a question about taxes-- Annual purchase limit is $25k, so the benefit isn't huge ($2500 is worth the effort, though). I just read through the prospectus, and wonder whether the language contained within is generic tax code or...
by tamudude
Sun Mar 15, 2015 2:03 pm
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 3615

Re: Where to purchase Windows? What version?

I went to a Mac in 2008 and haven't looked back. It isn't so much that Windows itself is bad, it's all the crapware installed at the factory. If you're going to buy a copy of Windows 7, I'd buy a full retail version, which will be free of crapware. Yes it will cost more. I get that Macs are more ex...