Search found 23 matches

by FrankTheTank
Fri May 19, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Buy 1st House Cash?
Replies: 20
Views: 2428

Re: Buy 1st House Cash?

If OP already knows that his family will want a bigger/more expensive home, then I would personally aim to put down a large downpayment (at least 20%) on the larger home. Buying and selling a home comes with some pretty hefty transaction costs (movers/truck rental, opportunity costs for the time inv...
by FrankTheTank
Mon Nov 09, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Open Season for Feds: Health Insurance Decision - HDHP
Replies: 11
Views: 2148

Re: Open Season for Feds: Health Insurance Decision - HDHP

I currently have the Aetna HDHP plan. The advantages of the HDHP in my opinion: 1. The Aetna HDHP allows you to get an HSA. That allows you to save over $6k a year for a family tax-free for medical expenses. Multiply your tax rate by $6k+ (whatever the current HSA limit is) and you'll see it saves y...
by FrankTheTank
Mon Jun 01, 2015 9:42 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 16361

Re: Which grocery stores do you shop at and why?

Costco. For stock-up items. Primarily buy dried fruits, frozen fish, cereals (which, when on sale, really can't be beat by other grocers even when combining a coupon with sale price), butter, bacon (local store beats area bacon prices substantially), organic greens and organic meats, plus the occas...
by FrankTheTank
Wed May 27, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 12165

Re: Found a great LED deal...$2.49 each.

Bought several of these a week or two ago. Of note, their estimated life is only 10 years (compared to some LEDs that claim 20 years). Still, 10 years is a long time, and I for one am skeptical of the 20 year claims anyway. I will say, however, that these do emit a small humming sound. Not enough t...
by FrankTheTank
Tue May 26, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 12165

Re: Found a great LED deal...$2.49 each.

Bought several of these a week or two ago. Of note, their estimated life is only 10 years (compared to some LEDs that claim 20 years). Still, 10 years is a long time, and I for one am skeptical of the 20 year claims anyway. I will say, however, that these do emit a small humming sound. Not enough to...
by FrankTheTank
Mon Apr 13, 2015 1:01 pm
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 18740

Re: Is 2007 Accord 60K mile service worth $300?

Here is what they are going to do: 1. Change the engine oil and oil filter 2. Rotate the tires. 3. Inspect the front and rear brakes. 4. Check all fluid levels and conditions. 5. Check brake lines and hoses, cooling system hoses and connections and fuel line hoses. 6. Replace spark plugs. 7. Replac...
by FrankTheTank
Mon Apr 13, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 18740

Re: Is 2007 Accord 60K mile service worth $300?

To me, the obvious answer to the question would be "no". Dealers nearly never are a good deal. To the OP, however, the answer really depends on how willing/capable you are to do these things on your own. I own an '09 Civic myself and actually just had it come up with the 60k mile service c...
by FrankTheTank
Thu Mar 12, 2015 10:40 am
Forum: Personal Investments
Topic: Which 529 plan are you using?
Replies: 61
Views: 13747

Re: Which 529 plan are you using?

I use Virginia's plan. 2 reasons: 1) It's my home state and I get up to a $4000/yr tax deduction per account. 2) For my fund option I use the Vanguard Total Stock Market Index Fund (the Virginia plan obscures things and calls it the "Stock Index" option) with a total expense ratio of 0.19%...
by FrankTheTank
Mon Mar 09, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 34
Views: 6819

Re: Thinking of buying electric shaver

I was once given a Norelco electric shaver as a gift. Tried it maybe 4 or 5 times and simply gave up. The shave was quite poor in my opinion. A tragic waste really. I honestly had hoped for better results and would have preferred the convenience of the electric, but at this point I simply alternate ...
by FrankTheTank
Fri Jan 30, 2015 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Your Minimum Annual Expenses
Replies: 37
Views: 5462

Re: Your Minimum Annual Expenses

I doubt I would save much over current monthly expenses: Daycare: $925 Internet & 2 smartphones: $140 Electric/gas/water: $185 Mortgage+HOA+property tax+ homeowners insurance: $2000 Food: $300 Fuel/maintenance/insurance/property tax for 2 cars: $200 Public transit to get to work: $300 Charities:...
by FrankTheTank
Mon Sep 08, 2014 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Who has more organic food Costco or Sam's?
Replies: 26
Views: 4527

Re: Who has more organic food Costco or Sam's?

Organic farmers use some of these natural insecticides which may or may not be less toxic than some synthetics. So really what you are doing is avoiding synthetic pesticides. Natural pesticides have always been part of the human diet. This is a great point, and a fact which I think most consumers o...
by FrankTheTank
Mon Aug 25, 2014 8:35 am
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 24995

Re: The Worst Investment You Can Make: Buying a Home

Pretty sure having kids is far worse. Who is going to write that article? I would agree BOTH make poor investments. Also for many marriage is a terrible investment as well. It is a good lesson in life to learn that not every decision we make in life are nor should be financially motivated. At the e...
by FrankTheTank
Sat Aug 23, 2014 10:54 am
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 24995

Re: The Worst Investment You Can Make: Buying a Home

Pretty sure having kids is far worse. Who is going to write that article? I would agree BOTH make poor investments. Also for many marriage is a terrible investment as well. It is a good lesson in life to learn that not every decision we make in life are nor should be financially motivated. At the e...
by FrankTheTank
Thu Aug 07, 2014 10:18 am
Forum: Investing - Theory, News & General
Topic: GOLDMAN: A 'Dramatic Divergence' Is Coming To Stocks & Bonds
Replies: 13
Views: 1986

Re: GOLDMAN: A 'Dramatic Divergence' Is Coming To Stocks & B

Let me provide the counter-argument referenced in your article: http://www.washingtonpost.com/opinions/lawrence-summers-stagflation-is-not-our-fate--unless-we-let-it-be/2013/12/15/55a1b84e-65c1-11e3-a0b9-249bbb34602c_story.html Should secular stagnation occur (and the article above provides several ...
by FrankTheTank
Wed Aug 06, 2014 9:44 am
Forum: Investing - Theory, News & General
Topic: Recent Barron's Article on Risks of ETFs
Replies: 10
Views: 1502

Recent Barron's Article on Risks of ETFs

I did a forum search and didn't see anything on this posted (sorry if I missed it), but a few days ago Barron's put out an article on some of the structural risks of ETFs. http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=newssearch&cd=2&cad=rja&uact=8&ved=0CB4QqQ...
by FrankTheTank
Mon Jul 14, 2014 7:36 am
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 7038

Re: What after-tax income could you live on today?

Does it strike anyone else as odd that the lowest amount of money 1/5 of the respondents can live on is 2X the US average income for a family of four? (If I can remember the numbers correctly) I have to agree. I live in a high cost of living area, have a wife and kid, 2 cars, we travel to Europe to...
by FrankTheTank
Tue Jul 08, 2014 10:35 am
Forum: Investing - Theory, News & General
Topic: "high rate" CDs
Replies: 24
Views: 3659

Re: "high rate" CDs

Frank, Mitchell, Sbashore: thanks for that info. Would having the account remotely (i.e. no brick and mortar locally) change any of that? For example, does being out of state complicate any of the funds recovery? Also, does FDIC only cover the principle, or also any interest earned? In my WAMU exam...
by FrankTheTank
Tue Jul 08, 2014 9:51 am
Forum: Investing - Theory, News & General
Topic: "high rate" CDs
Replies: 24
Views: 3659

Re: "high rate" CDs

Early withdrawal penalties may vary, so check those. However, as long as you verify the bank is FDIC insured (or NCUSIF in the case of credit unions) and you stay within the limits, I generally wouldn't worry about strength. I once had a CD at WAMU before they crumbled. The FDIC took over and the CD...
by FrankTheTank
Tue Jul 08, 2014 9:37 am
Forum: Personal Investments
Topic: TSP vs. IRA?
Replies: 17
Views: 2522

Re: TSP vs. IRA?

So unless you intend to use substantial amounts of your TSP space to get G fund exposure (which some people do given the uniqueness of the G fund), you'll be hard pressed to find cheaper expenses in anything you plan to buy in the Roth. Personally, I'd rather keep that $61 each year. I would say th...
by FrankTheTank
Thu Jul 03, 2014 2:35 pm
Forum: Personal Investments
Topic: TSP vs. IRA?
Replies: 17
Views: 2522

Re: TSP vs. IRA?

To echo some of the previous comments, for the Roth, you need to get with a broker that isn't going to charge you $7 commissions. You can buy and sell Vanguard ETFs via Vanguard Brokerage Services at no cost (provided you take electronic statements to avoid the $20 yearly fee). TD Ameritrade also le...
by FrankTheTank
Tue Mar 25, 2014 12:14 pm
Forum: Personal Investments
Topic: VXUS versus VEA/VWO/VSS?
Replies: 12
Views: 12154

Re: VXUS versus VEA/VWO/VSS?

All, thanks for the great input. Just for my own education though (and so that I can do these computations myself later and not bug this forum), how are you all calculating the VEA/VWO/VSS split as a percentage of VXUS? For example, are you taking the country diversification found here https://perso...
by FrankTheTank
Mon Mar 24, 2014 11:34 am
Forum: Personal Investments
Topic: VXUS versus VEA/VWO/VSS?
Replies: 12
Views: 12154

Re: VXUS versus VEA/VWO/VSS?

Taylor, thanks. I've edited to include the fund names!
by FrankTheTank
Mon Mar 24, 2014 10:22 am
Forum: Personal Investments
Topic: VXUS versus VEA/VWO/VSS?
Replies: 12
Views: 12154

VXUS versus VEA/VWO/VSS?

Long-time lurker, but first-time poster, so please be gentle: I'm looking to fund a Roth IRA, and for my international component of the investment, I am debating between investing in VXUS (Vanguard Total International) versus doing some slicing with a 65/20/15 split of VEA (Vanguard FTSE Developed M...