Search found 533 matches

by yatesd
Sat Sep 22, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1651

Re: HVAC Options -- Any advice?

I live in a DC suburb and received the following quote from a very reputable / established local company (about half our neighborhood uses them), for a 2,100 square foot (2,700 with basement) well-built / renovated split level from the 1950s. -- One Lennox EL296UH090XE48C Two-Stage Furnace with ECM...
by yatesd
Sun Sep 16, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5397

Re: Employer won't Match 401k. Why?

I am responsible for the 401K plan at a 50ish employee company. When I came onboard, we had a 401K with high fees but "no cost" to the employer. A few years ago, we switched to a 401K plan using Vanguard (actually Ascensus, which is also a hassle. Employers with less than $20M in assets can't work w...
by yatesd
Sun Sep 16, 2018 5:38 am
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 73
Views: 8012

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

The first few shoes early in my career were cheap shoes, mid-priced Rockports, then I moved up to Florsheim/Bostonian brands. I like Allen Edmonds because I can usually find what I need in the clearance section for $125 - $175. These are US made, recraftable, and comfortable. - When I needed to wear...
by yatesd
Mon Aug 27, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3507

Re: Best ultra thin pocket knife?

I also enjoy my benchmade, but for work in a dress environment nothing beats a Leatherman Micra. The scissors are great!
https://www.leatherman.com/micra-20.html
by yatesd
Thu Aug 23, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Small company 401k (again)
Replies: 5
Views: 308

Re: Small company 401k (again)

That's why I asked where you were located. The one that we use is called, "Strategic Financial Associates" and they have a wealth management side of the business. They will occasionally remind us of this additional offering but have never pressured us to participate (and not aware of any employees t...
by yatesd
Thu Aug 23, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Small company 401k (again)
Replies: 5
Views: 308

Re: Small company 401k (again)

Where are you located? We are happy with our choice in the DC area.
by yatesd
Thu Aug 23, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Small company 401k (again)
Replies: 5
Views: 308

Re: Small company 401k (again)

We have a small company of about 55 employees. We use a broker for our health benefits and believe they charge a flat $3,500 fee to manage our Ascensus relationship. Once a year during open enrollment they spend about an hour in front of the employees going over all the benefits (including 401K). St...
by yatesd
Wed Aug 22, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12264

Re: Good Non-Boring Boglehead Cars Under $30k

OP, if you worked a little harder in life, you could be shopping for a 3rd Gen (MY 2013 - 2016) Porsche Boxster. My local dealer has a certified 2013 for $38k with ~21k miles on the clock. By far, this car blows every other suggestion away. Do you really want to be another one of those chumps who d...
by yatesd
Wed Aug 22, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12264

Re: Good Non-Boring Boglehead Cars Under $30k

I don't know how much you used apple play but it doesn't work that well. First there is no support for Waze and Google Maps. You are stuck with Apple maps which are not that good. Also they way it works (or doesn't) changed a lot over time. The latest version of IOS coming this fall will allow thir...
by yatesd
Wed Aug 22, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12264

Re: Good Non-Boring Boglehead Cars Under $30k

Are GTIs reliable cars? Can you realistically expect a GTI to give you at least 10 years of trouble-free service? I know they're supposed to be nicely engineered cars but I'm concerned the feeling will wear off once the repair bills start rolling in after the warranty expires. In general, newer car...
by yatesd
Wed Aug 22, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12264

Re: Good Non-Boring Boglehead Cars Under $30k

Yes, the formerly known Golf GTI. Now it's called only GTI. It is quiet for my standards. I had a Civic in the past, much much worse. For american market they put a noise making device. I like it but you can remove it. That device makes a low frequency noise so not disturbing. I have the base, manu...
by yatesd
Sun Aug 19, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 52
Views: 3044

Re: Where to buy white, athletic fit dress shirt?

I really like the "Traveler" shirts from Joseph A Banks. https://www.josbank.com/traveler-wrinkle-free

100% cotton and wrinkle free, long tails, etc. I'm not that skinny so a "Tailered Fit" works for me. A "Slim" fit might work better for you.

I normally can snag them for about $35 each on sale.
by yatesd
Sun Aug 19, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: The problem with 'saving receipts' for future qualified HSA withdrawals
Replies: 24
Views: 2728

Re: The problem with 'saving receipts' for future qualified HSA withdrawals

Related, but changing the subject slightly. I am disappointed with HSA options (wish Vanguard offered HSA's) and for now use a local bank that provides basic savings account interest (basically nothing). Add to that...a relatively low balance, $15K, and it amounts to the healthcare portion of my eme...
by yatesd
Sun Aug 19, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 14925

Re: The Fall of Consumer Reports

I never had much use for CR. They consider themselves experts on everything from orange juice to computer flash drives to cars and trucks to house roofing and everything else where they assert their expertise. Whenever they review something where I have in-depth knowledge I do not agree with their ...
by yatesd
Sat Aug 18, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Anyone using a Dolby Atmos-capable sound bar?
Replies: 6
Views: 509

Re: Anyone using a Dolby Atmos-capable sound bar?

I currently have a high end traditional 5.1 setup. Can't see how a sound bar would even come close to replicating the experience, although I appreciate how the setup is beneficial for space/ease of management. I can also appreciate how a good version would blow away the standard speakers in a TV. It...
by yatesd
Sat Aug 18, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 772

Re: 401k Advice

I won't address the new allocation, but why not roll over old 401K into an IRA account with Vanguard, Fidelity, or Schwab? This will give you more flexibility long-term. Nope stop. Backdoor rIRA. This assumes a ROTH is the better choice for the OP today and he is able to pay the taxes now. If one h...
by yatesd
Fri Aug 17, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 772

Re: 401k Advice

PFInterest wrote:
Thu Aug 16, 2018 9:55 pm
yatesd wrote:
Thu Aug 16, 2018 9:17 pm
I won't address the new allocation, but why not roll over old 401K into an IRA account with Vanguard, Fidelity, or Schwab? This will give you more flexibility long-term.
Nope stop. Backdoor rIRA.
This assumes a ROTH is the better choice for the OP today and he is able to pay the taxes now.
by yatesd
Thu Aug 16, 2018 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 772

Re: 401k Advice

Well, I slowed down and looked at your new choices and your new 401K seems to have very low fees. I still like the idea of just sticking with a Target fund and at .05 that is pretty good. I believe my 401K is .09 for the exact same thing. I don't believe anything will prevent your from rolling over ...
by yatesd
Thu Aug 16, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 772

Re: 401k Advice

I won't address the new allocation, but why not roll over old 401K into an IRA account with Vanguard, Fidelity, or Schwab? This will give you more flexibility long-term.
by yatesd
Thu Aug 16, 2018 5:42 am
Forum: Investing - Help with Personal Investments
Topic: First time investing(401k)
Replies: 21
Views: 1097

Re: First time investing(401k)

Guacamole,

Another vote for target date to start out. I would only change course after you get over $10K per fund type, then see if the separate Admiral versions still have lower expenses. Even then, mimicking the target date allocation is a good way to keep you from deviating off course.
by yatesd
Tue Aug 14, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3453

Re: Best consumer products - made in USA

This should be owned and made in the USA. Control of company is more important than where it is made.

Zippo lighters- Bradford, PA.
Channel Lock pliers- Meadeville, PA
Corvette- Kentucky
by yatesd
Sat Aug 04, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 3200

Re: USPS Informed Delivery

Informed delivery works great. My guess is:

- they either had an error in their verification questions
- you mistakenly answered incorrectly

Either way, my hope is that everything will work next time.
by yatesd
Thu Aug 02, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2358

Re: Durable Dress Shoes for Commute

The Danite soles last well. I vote for Allen Edmonds- American made and recraftable. On sale of course. :wink:
https://www.allenedmonds.com/outlet/cle ... 8&start=22
by yatesd
Mon Jul 30, 2018 5:47 am
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5508

Re: What Should I Do About A Dying Friend's Assets?

Money is important until it isn't. Be a friend, spend time with him. Money doesn't matter to your friend anymore.
by yatesd
Wed Jul 25, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8125

Re: Son Hurt at Summer Camp

I suggest your family should pay the camp for the scar. It is a badge of honor for a boy to get a scar and the camp prices will not be raised as much next year.
by yatesd
Fri Jul 20, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12855

Re: New Vanguard Security Code Requirement

Just got a notification that Vanguard is implementing mandatory 2 factor authentication procedures. Not too bad with VG. Just tell it to only do the 2FA for computers it doesn't recognize. I set it up months ago and once the initial 2FA was accomplished VG hasn't asked for it again. (and I look at ...
by yatesd
Mon Jul 09, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3557

Re: What do you pay for home services?

I rent, clean my apartment myself, and don't have any landscaping. I wonder why these $500 monthly non-deductible costs are never mentioned in Bogleheads comparisons of renting with buying. Victoria Because they are a want not a need. Until you're older. Then try dragging a self-propelled(sic) mowe...
by yatesd
Sun Jul 08, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2715

Re: Having first child - Life Insurance question

Yes, I used Select Quote and could sort by rates and financial ratings. Keep in mind a recognizable name may not be healthier than another company. In my case, I ended up with Prudential for my life insurance.
by yatesd
Sat Jul 07, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2715

Re: Having first child - Life Insurance question

I chose to purchase 15-year term through select quote for me only since we are a single income household. In my case, it was $500K for about $270 a year (13 years ago). My plan is working almost perfectly...and should essentially be self insured by the time she is 15 with an increasing 401K balance ...
by yatesd
Thu Jul 05, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3354

Re: Coffee Grinder recommendations

I recommend getting a better grinder from an online specialist. Chris Coffee on the East coast. www.chriscoffee.com Seattle Coffee Gear on the West coast. www.seattlecoffegear.com Decent place for reviews and research: http://coffeegeek.com/reviews https://www.home-barista.com/ Espresso is much less...
by yatesd
Wed Jul 04, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 8490

Re: Tipping at non sit down places

dm200 » Wed Jul 04, 2018 6:41 pm J295 wrote: ↑Wed Jul 04, 2018 6:38 pm Always tip Why? Never really gave it much thought until now .... I guess it's principally because we are fortunate to have sufficient resources and I enjoy giving it to the people (usually young people who no doubt can use the m...
by yatesd
Sat Jun 30, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: replace old central AC unit?
Replies: 32
Views: 2528

Re: replace old central AC unit?

If it is 15+ years old and not cooling well, I would recommend replacing with a 2-stage variable speed unit with potentially multiple zones.
by yatesd
Sun Jun 03, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 8043

Re: What is your Take Home Pay / Gross Pay ratio?

I'm not sure the results will be meaningful. Too many variables. Short term/long term disability, benefits, HSA, 401K, life insurance, people saving for a flex account etc.
by yatesd
Sun May 27, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Buying Ford Extended Warranty online vs different plan offered by the Dealer...
Replies: 21
Views: 1395

Re: Buying Ford Extended Warranty online vs different plan offered by the Dealer...

I would lean towards not getting a warranty since if something happened really bad, Ford would probably offer some sort of good will. That being said, I wouldn't think of getting anything other than a factory warranty.
by yatesd
Thu May 17, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 9926

Re: Solar panels

My electric bill is going down $11 a month
https://www.bge.com/News/Pages/Press%20 ... Month.aspx
by yatesd
Thu May 17, 2018 6:15 am
Forum: Personal Consumer Issues
Topic: Departed employee & final pay check
Replies: 9
Views: 1267

Re: Departed employee & final pay check

Read the fine print...but they probably were not obligated to pay out the last bonus. Most corporate incentives have disclaimers to avoid payment if terminated before the ending period.
by yatesd
Sat Mar 10, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Chain Saw pruner or Pole Saw?
Replies: 24
Views: 2198

Re: Chain Saw pruner or Pole Saw?

My issue with a chain saw pruner is that it is fairly specialized for a homeowner. That said, I tend to buy too many things myself. Personally enjoy my batter powered Makita chainsaw for small items, Husqvarna Chain Saw for big stuff, and also have a pole saw. Some ideas: - Echo tends to have produc...
by yatesd
Thu Mar 08, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401K refunded due to failure of the IRS 125 tests
Replies: 35
Views: 3825

Re: 401K refunded due to failure of the IRS 125 tests

BTW, I am setting up a "Go Fund Me" account.

I appreciate the generosity from everyone who suggested increasing match levels as a way to avoid this rule. You will all feel better being part of our 401K improvement plan. :wink:
by yatesd
Thu Mar 08, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: 401K refunded due to failure of the IRS 125 tests
Replies: 35
Views: 3825

Re: 401K refunded due to failure of the IRS 125 tests

These rules have made it a real challenge at my company. We have less than 60 employees. I convinced them to switch from a high fee plan (that cost the company almost nothing, but passed the fees on to employees), to Vanguard that costs us about $4,000 a year with low fees. However, we can't afford ...
by yatesd
Sat Feb 03, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Car Lease -- High Residual Value -- what am I missing?
Replies: 49
Views: 5472

Re: Car Lease -- High Residual Value -- what am I missing?

It sounds like you have thought through most of the variables and have plans to address these risks. The idea sounds kind of fun...I say go for it! As others have said, many times the manufacturer will subsidize the residual values to reduce lease payments without directly hurting resale/brand reput...
by yatesd
Sun Jan 14, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: "EBATES" - For real, or scam ?
Replies: 14
Views: 1719

Re: "EBATES" - For real, or scam ?

Definitely legit, I've received $529 in rebates since I first signed up. They make money through referral links and pass a % on to us. - Default setup is to install an app, probably easiest, but lose some privacy - I don't install any plugins, but instead login only when I intend to use. Sometimes I...
by yatesd
Sun Jan 14, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 13164

Re: Dave Ramsey's Millionaire Study

Not quite sure how bashing any finance guru is considered an acceptable "topic" discussion on Bogleheads. :oops: Sharing the survey info, talking about the results, or its validity seems appropriate. Personally, I'd be curious to see the results even if it is self selecting (just like the one on Bog...
by yatesd
Thu Nov 23, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 11361

Re: Why does everyone keep increasing their international stock %?

I'm mixed on the issue. The pragmatic part of me considers the higher expenses and inefficiencies that are built into the cost of international investing. I also understand the argument that the US represents a portion of the world equity markets that are close to 50% so perfect diversification woul...
by yatesd
Thu Nov 23, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1964

Re: Which model treadmill to buy

Not sure how you established your budget, but if you will actually use it, you may want to spend more. Maybe consider visiting a local specialty store and buy a floor model or a closeout version of last year's model. http://shop.truefitness.com/treadmills Example of specialty store's in my area: htt...
by yatesd
Thu Nov 23, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 5736

Re: best cordless drill??

I've been reasonably pleased with Dewalt and Makita. Bosch and Milwaukee would also be on my short list. - None of the better brands will have "cheap" products, but they still range from mid/upper homeowner grade to true commercial. As a homeowner, you probably don't need the best, but there are rea...
by yatesd
Tue Nov 21, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 39
Views: 4142

Re: New car buyers...you should consider financing

On my last two purchases, I did two things ahead of time. Got a guaranteed trade-in value from CarMax and looked online to see the lowest interest rate available to me through my own financing options (non-subsidized). I negotiated price & trade-in and agreed to use their financing as long as they c...
by yatesd
Wed Nov 15, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 6461

Re: Fair way to split expenses?

In our case (as I stated above) one of us eventually dropped down to $0 income (wanted to raise our own kids) FYI, stating that an individual who quits paid work is doing so to 'raise our own kids' is insulting to the many people who do not quit work and who also manage, mostly quite successfully i...
by yatesd
Mon Nov 06, 2017 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 96
Views: 7127

Re: Out of network care

It might be unfair for your HMO, but I think my experience with multiple HMOs is just as valid as yours. My experience is with multiple HMO's spans almost two decades. Your post was a generalization. The negative extrapolation to all HMO's implied in your post is invalid. Huh? You posted opinion, I...
by yatesd
Sun Nov 05, 2017 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 96
Views: 7127

Re: Out of network care

You are correct, but almost nobody understands the plan they signed up for. You are probably the rare exception. http://www.pbs.org/wgbh/pages/frontline/shows/doctor/care/capitation.html http://www.investopedia.com/terms/c/capitated-contract.asp I agree with the above that your former characterizat...
by yatesd
Sun Oct 22, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Bond advise please
Replies: 10
Views: 902

Re: Bond advise please

etguy, You are not really giving us enough information to provide advice. If you want 25% in bonds, then the Total Bond fund makes the most sense. Wellington is a blended fund that will do the "blending" for you. Assuming you are saving for retirement, maybe look at the Target date fund that corresp...