Search found 4490 matches

by Earl Lemongrab
Thu Jun 21, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 52
Views: 2597

Re: Surprise - Costco sells - but does not install vehicle batteries

I'd kind of like to "see the paperwork" on there being a large hidden installation charge at auto parts stores. I wouldn't doubt that Costco might be cheaper, but they are on lots of things. Has anyone done a real comparison for batteries of similar features and warranty? Oh yes - I am 100% sure th...
by Earl Lemongrab
Thu Jun 21, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 58
Views: 7409

Re: Merrill Edge best choice for higher net worth accounts?

As it stands right now a $250 bonus to transfer $100k doesn't really meet my threshold of worth doing. It would also net me about $300 a year more than my fidelity 2% card. Again not enough to move retirement investments back and forth. I look at it in terms of pay for effort. Moving assets these d...
by Earl Lemongrab
Thu Jun 21, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 52
Views: 2597

Re: Surprise - Costco sells - but does not install vehicle batteries

I'd kind of like to "see the paperwork" on there being a large hidden installation charge at auto parts stores. I wouldn't doubt that Costco might be cheaper, but they are on lots of things. Has anyone done a real comparison for batteries of similar features and warranty?
by Earl Lemongrab
Thu Jun 21, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 58
Views: 7409

Re: Merrill Edge best choice for higher net worth accounts?

As it stands right now a $250 bonus to transfer $100k doesn't really meet my threshold of worth doing. It would also net me about $300 a year more than my fidelity 2% card. Again not enough to move retirement investments back and forth. I look at it in terms of pay for effort. Moving assets these d...
by Earl Lemongrab
Thu Jun 21, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 39
Views: 1972

Re: What will (or would) you tip when wages go up?

They need the money more than I do. That's never been a good reason to me. The list of people who need the money more than I do is extremely long. Do you tip the clerk at 7-11? Or the guy who comes to read the meter (if you still have that going on). And why limit to 20%? Give everyone $50, or $100...
by Earl Lemongrab
Wed Jun 20, 2018 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 58
Views: 7409

Re: Merrill Edge best choice for higher net worth accounts?

Not Roth, only taxable for that. You might be able to put it in Roth, but it would be a contribution. To get the 75% rewards bonus, it has to either go into a BOA or Edge account. No, the Merrill Edge bonus for transferring over a Roth IRA goes into the Roth IRA (six months after the funds arrive) ...
by Earl Lemongrab
Wed Jun 20, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 20
Views: 1327

Re: Need new Cable Modem + Router - Please recommend

I recently got cable internet and it came with free modem. Spectrum offered a wifi router at $5/month, but I didn't go for that. I picked up a moderately-price dual frequency TP-Link device.
by Earl Lemongrab
Wed Jun 20, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Senior discounts to look out for
Replies: 12
Views: 1383

Senior discounts to look out for

I often forget that I'm over 60 now, so I don't always think to check on discounts. I found out by accident that the trash hauler has 50% off for 60+. I could have got in on that earlier.

What other common ones to investigate have you run into?
by Earl Lemongrab
Wed Jun 20, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Air conditioner compressor replacement cost
Replies: 28
Views: 2047

Re: Air conditioner compressor replacement cost

I had my AC cut out last Monday. I called the outfit I usually do. It was the capacitor. I know people diagnose and repair that on their own, but I don't generally mess with AC stuff. In this case, the guy charged me their coupon price for "clean and check" plus parts only for the capacitor. Decent ...
by Earl Lemongrab
Wed Jun 20, 2018 1:22 pm
Forum: Forum Issues and Administration
Topic: Is there a way to block someone?
Replies: 22
Views: 2773

Re: Is there a way to block someone?

VNQ Vanguard Real Estate ETF https://i.imgur.com/rGjBBOW.png Not to derail this, but if you're going to discuss fund performance you need to look at total return, not price. Especially with higher dividend funds. I threw in a few comparisons, so REIT is still not great over the time period: Total R...
by Earl Lemongrab
Tue Jun 19, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Expanded commission-free ETFs at Etrade
Replies: 11
Views: 627

Expanded commission-free ETFs at Etrade

Didn't see this anywhere, sorry if I missed it. Just got the following email from Etrade: Building a diversified portfolio shouldn't break the bank. As of June 19, you can buy or sell 32 Vanguard exchange-traded funds (ETFs) at E*TRADE without paying trading commissions. Our commission-free Vanguard...
by Earl Lemongrab
Tue Jun 19, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4356

Re: Water heater installation situation

The installer is here and got it settled on the concrete blocks. He says it's going well.

Final update, as I know people like conclusions. The heater is installed, filled, and heating. They had to replace the T-junction for the flue, so a few extra bucks. Not too bad, $1500 all in.
by Earl Lemongrab
Tue Jun 19, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Can I do both backdoor Roth and mega backdoor Roth?
Replies: 4
Views: 406

Re: Can I do both backdoor Roth and mega backdoor Roth?

If the earnings are small, it's best to just pay the tax and roll the entire Mega Backdoor distribution into the Roth IRA. If you had a lot, and your plan allowed, you could roll them back into the plan. You could also convert the earnings along with the non-deductible TIRA contribution, but that's ...
by Earl Lemongrab
Tue Jun 19, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 153
Views: 7193

Re: Which Supermarket are you?

I don't want to spend a lot of time going to various stores. Once a week I go to the closet local supermarket (Schnucks for you St. Louis folk) and often stop by Aldi. Sometimes I go to a local produce store. They have a nice variety of bulk spices.
by Earl Lemongrab
Mon Jun 18, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: mega backdoor Roth -- why not stay in the roth 401(k)
Replies: 14
Views: 1162

Re: mega backdoor Roth -- why not stay in the roth 401(k)

As noted, you're mixing up terms. The after-tax contributions in the Mega Backdoor are not Roth. Roth contributions are combined with pretax and limited to 18.5k currently. The after-tax is in addition to that, amount limited by the overall plan limits of 55k (combined with employer contributions). ...
by Earl Lemongrab
Sun Jun 17, 2018 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11431

Re: MD&P just purchased X / sold Y [md&pharmacist]

minimalistmarc wrote:
Sun Jun 17, 2018 6:14 pm
In summary, I don’t see the point
So why don't you ignore the thread and let those of who would like to see where it goes keep following?
by Earl Lemongrab
Sun Jun 17, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1189

Re: Vanguard admiral shares

Note that it's 10k in each account. So having 5k in Roth and 5k in taxable won't get you Admiral.
by Earl Lemongrab
Sun Jun 17, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Mechanisms for disappearance of factor premia -- how does it work for momentum?
Replies: 14
Views: 753

Re: Mechanisms for disappearance of factor premia -- how does it work for momentum?

Depends on why the factor exists. With small and value, many believe that most or all of the factor is risk-related. If so, then that should not be arbitraged away regardless of how well known. If it is, then that in itself is an exploitable inefficiency. After all, the outperformance of stocks over...
by Earl Lemongrab
Sun Jun 17, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11431

Re: MD&P just purchased X / sold Y [md&pharmacist]

The point of the thread is to answer the challenge about his moves. Not to convince him that he's wrong. We're never going get anywhere if it's a constant litany of "you so stoopid." Eventually the OP will give up and the thread WILL have been a waste. Any posts besides the technical ones of posting...
by Earl Lemongrab
Sun Jun 17, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11431

Re: MD&P just purchased X / sold Y [md&pharmacist]

goodenyou wrote:
Sun Jun 17, 2018 10:35 am

The desire to achieve average annualized returns of 30-40% would elevate you to the greatest investors of all time
Another pointless "bashing" post. Let's let him post or not post his moves.
by Earl Lemongrab
Sat Jun 16, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth Question
Replies: 5
Views: 469

Re: Mega Backdoor Roth Question

Thanks guys. Will look into opening a Roth with fidelity to keep things simple. Seems like we are lucky to have the ability to do the mega Backdoor Roth so i want to take advantage but don’t want to mess up the transfer and cause issues down the road. Still the greatest thing I ever read about on B...
by Earl Lemongrab
Sat Jun 16, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 8
Views: 875

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

I need to figure out what % of income to set aside to max out my 401K. I am currently at 20%, and max out my 401K. If the limit goes up, then I have to leave my contribution alone. If the limit remains unchanged, I can lower my percent of salary contributed. Trying to plan ahead. Why do you have to...
by Earl Lemongrab
Sat Jun 16, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4356

Re: Water heater installation situation

I picked up a few concrete blocks, both 8x8x4 and 12x8x4 to do some positioning tests. I think it might work out, depends on their requirements. The rep at the installer thinks that the blocks can be stacked, to give 8" of clearance, but she needs to talk with the plumbers. I also picked up a stand ...
by Earl Lemongrab
Sat Jun 16, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth conditions
Replies: 8
Views: 767

Re: Mega Backdoor Roth conditions

While in theory the plan could be structured to only allow in-service distribution if the after-tax completed filled the 415(c) limit, it's not clear why a plan would do that. I've certainly never heard of such a rule.
by Earl Lemongrab
Fri Jun 15, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4095

Re: Are Bogleheads smarter than the bond market?

^^^ That's pretty similar to my results. The Bond Index Fund has a 3-year annualized return of 1.61%. The stable-value has 2.28%. The advantage of the latter over CDs is that it's easier (for me at least) to hold large amounts in tax-advantaged.
by Earl Lemongrab
Fri Jun 15, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4356

Re: Water heater installation situation

It's a slab house, these are going into the concrete base floor.
by Earl Lemongrab
Fri Jun 15, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4095

Re: Are Bogleheads smarter than the bond market?

My fixed-income allocation has been 50/50 bond index and stable-value. I've never been sure of what duration means for the latter, as the principal is insured and the fund should never lose value. Its rate will track changes in interest rates, although typically it will lag. A core principle of mine...
by Earl Lemongrab
Fri Jun 15, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4356

Re: Water heater installation situation

I have completed demo (amazing how much debris a 2'x2'x6" platform produced). I have done measurements of the pipes that come out of the back wall and into the floor. Here's another ASCII diagram. The * represent the pipes. It's an overview, so you can't see the 3D aspect. They are approximately 6" ...
by Earl Lemongrab
Fri Jun 15, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 is it official?
Replies: 50
Views: 9341

Re: Rule of 55 is it official?

That rule is for people who leave that employment, not in-service withdrawals.
by Earl Lemongrab
Fri Jun 15, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16354

Re: Life in retirement - what did you do today?

I like to read. In the latter years of working, I was only getting in 20-60 minutes at night before bed. Now I can schedule an afternoon of solid reading, often up to five hours.
by Earl Lemongrab
Thu Jun 14, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4356

Re: Water heater installation situation

I'm not a plumber. This heater has been installed for a long and needs some significant work. That includes a new intake valve. It will get there.
by Earl Lemongrab
Thu Jun 14, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3554

Re: Non-alcoholic drinks for wedding

I would consider it almost a social faux pas to not offer alcohol at a wedding. Oh, I think that's ridiculous. The expectations people have built up about these affairs is kind of silly. That's why people spend 20k and up on a wedding and reception. One of the finest events I went to was one where ...
by Earl Lemongrab
Thu Jun 14, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4356

Re: Water heater installation situation

These installers are not very helpful. Is this the first time it has come up in their career? Sheesh. They have likely seen this repeatedly. So should have some idea how to solve this quickly & cheaply. I would almost expect them to have a few stands on their truck A stand would work, except that i...
by Earl Lemongrab
Thu Jun 14, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4356

Re: Water heater installation situation

The installer reports that they can set it on cement blocks, but it would be up to me to provide them. They stated that the blocks couldn't have holes in them. Solid blocks larger than 4" height are not readily available. Maybe mortar two together or fill the holes in a standard block? Thinking on t...
by Earl Lemongrab
Thu Jun 14, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11431

Re: MD&P just purchased X / sold Y [md&pharmacist]

I agree that this would be a very interesting thread if you are willing to follow through with the kind of detail it takes to make it verifiable. The only way for that to happen is to get some ground-rules and stop with the complaints about the thread and bashing the OP. Let's have some actual disc...
by Earl Lemongrab
Thu Jun 14, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4356

Re: Water heater installation situation

Never-ending saga. The plumber came out and removed the heater and installed new shut-off valves. So that's great. The problem is, as soon as I started demo, I could see that there were copper pipes coming out of the back wall that then go into the floor. That's basically reason for the old wooden p...
by Earl Lemongrab
Thu Jun 14, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Where to roll over Roth 401k to
Replies: 8
Views: 604

Re: Where to roll over Roth 401k to

Initially, I wanted to roll over the after-tax portions to a Roth IRA and leave the rest in there for the time being. However, according to the IRS web site, you cannot do that. Even if you do a partial distribution, it must include some pre- and post-tax money. The investment options in her plan a...
by Earl Lemongrab
Thu Jun 14, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Is it even possible to contest a credit card charge nearly 6 months later
Replies: 15
Views: 1254

Re: Is it even possible to contest a credit card charge nearly 6 months later

You generally have 1 year to dispute a credit card charge. If you never received the tickets you should get your money back. Not 100% guaranteed though. I would think they could just resend the confirmation if there is one. If not, call the number on the back of your card and initiate a dispute asa...
by Earl Lemongrab
Thu Jun 14, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3554

Re: Non-alcoholic drinks for wedding

dm200 wrote:
Thu Jun 14, 2018 10:07 am
If you're going to serve soda (what in the world is pop?! :) ),
Where I grew up - we did not have a clue what "soda" was - until I went to college. Bottled or canned soft drinks were "pop". it is a regional thing :)
Usage map: http://popvssoda.com/
by Earl Lemongrab
Wed Jun 13, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) employer match and tax question
Replies: 6
Views: 405

Re: 401(k) employer match and tax question

The way it worked at Megacorp was that you could defer (or put into Roth) the profit-sharing bonus. As mentioned above, it counted against your 18.5k limit, as it was employee discretion. It was not matched. However, Megacorp allowed after-tax which would start as soon as the pretax/Roth limit was r...
by Earl Lemongrab
Wed Jun 13, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRAs, 401ks, Roths, Oh My!
Replies: 3
Views: 412

Re: IRAs, 401ks, Roths, Oh My!

If I wanted to do a backdoor roth (non deductible TIRA contribution immediately rolled into Roth), that means I would need to not have any pre tax money sitting in a TIRA anywhere correct? It would need to stay a 401k (Fidelity rather than Vanguard in this case, since Vanguard won't let me roll in ...
by Earl Lemongrab
Wed Jun 13, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: No Roth 401k - Workaround?
Replies: 9
Views: 775

Re: No Roth 401k - Workaround?

The fact that the plan does not offer a designated Roth does not mean that it does not allow after tax (aka employee) contributions to a separate sub account. While most such plans likely have also adopted the Roth option, some may not have. It does happen sometimes. Megacorp had after-tax for a lo...
by Earl Lemongrab
Wed Jun 13, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Explanation of free credit scores
Replies: 16
Views: 1673

Re: Explanation of free credit scores

When my home-equity loan ran out at PenFed, my Transunion 08 score as reported by Discover and BOA reflected that immediately (downward). The Experien score from Amex didn't really show any change.
by Earl Lemongrab
Wed Jun 13, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: IRAs, 401ks, Roths, Oh My!
Replies: 3
Views: 412

Re: IRAs, 401ks, Roths, Oh My!

My understanding is that I cannot roll the pre-tax money into my solo 401k with Vanguard but I could open a new one with Fidelity and roll it in. That's correct. As far as I know, there's no problem doing that during the year. It's called a "restatement" or something. Then I would just need to figu...
by Earl Lemongrab
Wed Jun 13, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Best use for a $2k raise for a middle-income teacher
Replies: 35
Views: 3709

Re: Best use for a $2k raise for a middle-income teacher

My suggestion is that you use the money to pay off your car, and then start saving for your bpnext car, so that you can buy with cash. Buying depreciating assets on credit is asinine to me. If you get to a point you have extra, throw it at your mortgage. Being debt free is a wonderful thing!! I don...
by Earl Lemongrab
Wed Jun 13, 2018 1:23 am
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4356

Re: Water heater installation situation

There's no lines to "cap". Both water lines and the gas line should have valves on them, so all they have to do is turn them off. And they were going to have to remove the old tank anyway, so the $75 must be for the extra travel, which is reasonable. The gas line is no problem. The water valve is s...
by Earl Lemongrab
Tue Jun 12, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4356

Re: Water heater installation situation

You can certainly have anyone install. The second plumber didn't want to do that. Said it was a paperwork to pick it up. Doesn't matter, as they won't deal with the platform either. The problem is, nothing can be done with the heater sitting on the platform. I went back to the original installer. Th...
by Earl Lemongrab
Tue Jun 12, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 75
Views: 9408

Re: Who uses the 3 fund portfolio ?

You should be able to roll the SEP IRA into your traditional IRA, tax-free, with a trustee-to-trustee transfer. Ask your IRA provider (probably Vanguard?) how to do this. I rolled the SEP IRA to Vanguard from American Funds thinking it would become a traditional IRA. But it maintained the SEP label...
by Earl Lemongrab
Tue Jun 12, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3347

Re: Wifi + wired device

Be aware that you will not get your full internet speed through your extender. It's best to locate your extender between your router and computer, not next to the computer. The further away it is the more the speed will be reduced. This is not saying that it won't be sufficient but just something t...