Search found 621 matches

by kazper
Fri Jun 01, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 50
Views: 6883

Re: Instant pot pressure cooker

I'll post my usual warning. They are great when they work (my wife loves hers), but can be quite dangerous if they malfunction. They are supposed to lock when pressurizing and remain sealed until it has fully depressurized. One day my wife was making bone broth in our instant pot. I was upstairs whe...
by kazper
Fri Jun 01, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 3262

Re: Cheapest ways to watch NBA playoffs

I listen to it on the radio via my laptop. Doing so brings back fond memories of listening to sports programming on the radio with my Dad when I was a kid. Also allows me to be productive at the same time (TV does not). You could do this, or you could go to a restaurant/bar with TVs and order a cok...
by kazper
Fri Jun 01, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 14420

Re: Best Advice You Never Took

Probably to invest early.

I'm only mid-30s now so I didn't wait too long, but I could have started putting more money away for retirement when I started my first serious job nearly a decade ago. My balance would look quite a bit different than it does now if I did...
by kazper
Fri Jun 01, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 2098

Re: Another Car Keep/Buy Question

Thought I would update. So turns out I am $4k underwater. Carvana will give me $26,200 for my car and if I trade it, I at least don't pay taxes. They have a 2015 Subaru Legacy w/ eyesight w/ 53k miles and are asking $16k. Out the door and delivered I would be at $19k versus the $30k I currently owe...
by kazper
Thu May 31, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Used car buying advice!
Replies: 41
Views: 3431

Re: Used car buying advice!

I would strongly advise against buying anything north of 150,000 miles. Simply asking for trouble, and then you might be stuck buying another used car a relatively short period later. If reliability is important, then lower mileage/model year is an important consideration (as are consumer reports/re...
by kazper
Tue May 01, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 69
Views: 6254

Re: Selling a car: how to get paid?

I recently went through this and had many of the same concerns. Problem is, lots of banks aren't open on weekends, so verifying a cashier's check can be rather difficult :oops: I like the idea of meeting at the DMV. That was my plan until I found out that they don't do anything besides renewing lice...
by kazper
Tue May 01, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Need help/advice switching contributions from IRA to 401k (not a rollover)
Replies: 11
Views: 595

Re: Need help/advice switching contributions from IRA to 401k (not a rollover)

I'll probably go the returning route. I'll deposit that money directly into the new 401k and pay whatever little was previously earned on the contributions. I was mostly curious if there was a more direct approach, but it doesn't sound like it. And yes, I'm aware that there's also income limits on I...
by kazper
Tue May 01, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Need help/advice switching contributions from IRA to 401k (not a rollover)
Replies: 11
Views: 595

Re: Need help/advice switching contributions from IRA to 401k (not a rollover)

If you haven't made any contributions to the IRA for calendar year 2018, then there is no issue for this calendar year. Rolling over contributions already made, whether for past years or this doesn't change whether they were deductible or not. We have made 2018 contributions to her IRA, which is wh...
by kazper
Tue May 01, 2018 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Need help/advice switching contributions from IRA to 401k (not a rollover)
Replies: 11
Views: 595

Re: Need help/advice switching contributions from IRA to 401k (not a rollover)

Background: Over the past few years, I've been maxing out a traditional IRA for my wife because they did not have any sort of retirement plan set up at her workplace. Well, we just found out that they are now starting one in the next month or so. My question: What is the easiest way to move the tra...
by kazper
Tue May 01, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Anyone else use AmazonSmile?
Replies: 31
Views: 2836

Re: Anyone else use AmazonSmile?

Definitely. My wife works for a small non-profit, which participates in the program. Probably amounts to under $100 per year total for everyone who uses it, if even that much. I'm sure the money we donate out of pocket exceeds the meager amount earned through the smile program.
by kazper
Tue May 01, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 12143

Re: Amazon to raise Prime membership in US to $119 from $99

Current prime member here, although I've been considering cancelling for years. I heard this announcement yesterday and went to my account to cancel. Turns out I will squeak by with the $100 fee, so they may get 1 more year out of me. Personally, I don't use the music streaming service much, if at a...
by kazper
Tue May 01, 2018 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Need help/advice switching contributions from IRA to 401k (not a rollover)
Replies: 11
Views: 595

Need help/advice switching contributions from IRA to 401k (not a rollover)

Background: Over the past few years, I've been maxing out a traditional IRA for my wife because they did not have any sort of retirement plan set up at her workplace. Well, we just found out that they are now starting one in the next month or so. My question: What is the easiest way to move the trad...
by kazper
Mon Dec 18, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and Personal Retirement
Replies: 18
Views: 3834

Re: Windfall and Personal Retirement

TomatoTomahto wrote:
Mon Dec 18, 2017 12:23 pm
There's no embarrassment here.
Totally agree with this. I've asked some of the most basic questions you can, and have never once been made fun of or felt to look stupid. As long as you're willing to try to learn, board members will help!
by kazper
Mon Nov 13, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: HSA options
Replies: 7
Views: 1263

Re: HSA options

My first question would be, why do you think you need to invest the HSA money if it isn't a lot? Would it be better to wait? Are you absolutely sure you won't need that money for medical expenses in the short term- roughly 1-4 years?
by kazper
Mon Nov 13, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: GEHA HDHP & HSA Questions
Replies: 5
Views: 757

Re: GEHA HDHP & HSA Questions

I have the GEHA HDHP. 2017 was my third year in it. My HSA wasn't opened until mid-February. One way you can get around this is to open your own HSA somewhere else even if it will never be used. As luck would have it, we had some large expenses (emergency type things) the first January we made the s...
by kazper
Mon Nov 13, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 31744

Re: Why pay cash for a car?

can you get rates that low on used cars? Possibly, but it is more difficult to find. Pentagon federal credit union sometimes offers rates around 1.5 to 2%. We actually bought a car through their true car program @ .99%. Truthfully, we found a car and later noticed it was also listed on the Penfed t...
by kazper
Mon Nov 13, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: FEHB open season and Checkbook.org
Replies: 4
Views: 539

Re: FEHB open season and Checkbook.org

Worked for me. Today is the first day it is available. They even sent me a coupon, knocking the price down to $8. Best 8 dollars I'll spend all year!
by kazper
Mon Nov 13, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4858

Re: Septic tank - deal killer?

I completely understand that concern. We went from living in apartments to owning a home with both a septic system and a well- double score! It took some adjustment, but really there is not a huge difference. As long as everything is running smoothly, all you need is a periodic cleaning and inspecti...
by kazper
Mon Nov 06, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Having almost 90% of investments with Target Retirement account
Replies: 20
Views: 5108

Re: Having almost 90% of investments with Target Retirement account

Big fan of target retirement funds, especially for those who do not want to be as involved in their investing. It literally is the set it and forget it of investing if you can setup an automatic contribution. I recommended one to my sister, who has no investing acumen whatsoever. I, however, prefer ...
by kazper
Mon Nov 06, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 9366

Re: Negotiating for a new car purchase

I whole heatedly agree on not giving out your phone number. We were looking for a used car, but decided to stop in and check out some of the new offers. Big mistake. We visited 3 dealers, the first had the lowest total price. When we went to the 3rd place and told them about the lower offer, they in...
by kazper
Mon Nov 06, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Projector Setup in Basement
Replies: 24
Views: 2169

Re: Projector Setup in Basement

Thank you all for the helpful responses! Definitely some great advice here. We decided we want to do the projector, but might start with a cheaper one as our budget isn't very big. Can anyone recommend a nice projector at around $450-500? I measured the throw distance we would probably be at and i ...
by kazper
Mon Nov 06, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 53
Views: 4802

Re: Car battery?

I happened to be in Walmart yesterday and noticed they had their brand EverStart Maxx with 5 year warranty (3 years free replacement, 2 years prorated) for just under $100. My Group Size 75 is listed as $88. Compare that to AutoCraft Gold (Advance) with 3 year warranty at $125 - $160 (minus 20% dis...
by kazper
Mon Nov 06, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 57
Views: 8951

Re: Black Friday Deals/Holiday Gift Ideas

Instant pot. I resisted for too long because I'm wary of the " latest fad" . Also, I happen to love cooking, even complex and time consuming recipes, but the Instant Pot still changed my life. Just made vegetable soup. Took 10 minutes for the pot to get to full pressure and less than 8 minutes to m...
by kazper
Mon Nov 06, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: How to say goodbye to my last individual stock
Replies: 11
Views: 1851

Re: How to say goodbye to my last individual stock

Some actually prefer to keep things like these around as little reminders when doubt starts to set in. If you start thinking "why didn't I buy facebook, netflix, amazon, XXX when it was only $$$$". Then you'll take a look at that lone stock survivor and go, "oh yeah..."
by kazper
Mon Nov 06, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Replace or Repair Car and Replacement Options
Replies: 15
Views: 1712

Re: Replace or Repair Car and Replacement Options

I feel your pain. Coopers were my dream cars (thanks a lot, Italian job!). My parents bought me a used one as a graduation present for completing my master's. Everything was fine and dandy until we took it in for its first oil change- $3,000 in needed maintenance. It only had 30,000 miles on it. Plu...
by kazper
Mon Nov 06, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Projector Setup in Basement
Replies: 24
Views: 2169

Re: Projector Setup in Basement

I agree with others that it depends on your usage. If you think it is something that you'll use every day, spend a bit more. If it is something where you'll lose interest quickly, it isn't worth the added investment. I was in a similar situation about 2 years ago, although my budget was probably muc...
by kazper
Mon Nov 06, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 4539

Re: dishwasher recommendations

I'd avoid LG at all costs. Our house came with all LG products (much to my dismay). The dishwasher gave us tons of trouble. We had a home warranty for several years, and had probably 3 different companies look at the dishwasher and try to replace parts. We kept saying it would be cheaper to replace ...
by kazper
Fri Oct 27, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Fix or replace my vehicle
Replies: 33
Views: 2047

Re: Fix or replace my vehicle

It seems like the biggest expense would be the struts. Do you need all 4 replaced? I would guess so based on the amount. Replacing struts/shocks actually isn't all that difficult usually. If you're so inclined, you could learn how to do it relatively quickly and save a ton of money. Still, given ALL...
by kazper
Wed Oct 04, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Are you investing in Emerging Market small caps?
Replies: 25
Views: 2269

Re: Are you investing in Emerging Market small caps?

I've talked to a few money managers in Europe whilst building my AA and learning about finance. One of them suggests having a significant allocation in EM small caps (besides EM large caps) in her model portfolios - her motivation being that the sectors contribution in EM large and EM small are qui...
by kazper
Wed Oct 04, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account recommendation
Replies: 22
Views: 3745

Re: Health Savings Account recommendation

I found a link a while back that provided a good overview of several options. I'll see if i can dig it up again. I currently have hsa bank, no investments. They allow vanguard funds and charge around 3 per month for the account. The fee might be waived if you keep a minimum amount in the hsa account.
by kazper
Wed Oct 04, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2630

Re: On the video games path - how to set it up with younger kids

This may sound strange, but video games sparked my interest in reading. Throughout middle/high school i hated reading. As i played more role playing type games, it required me to read more and improve my comprehension-otherwise you don't know what is going on. Now i read more, either playing games o...
by kazper
Fri Sep 01, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Ally or Capital One 360 online savings account?
Replies: 47
Views: 11138

Re: Ally or Capital One 360 online savings account?

I have been with Ally for around 5 years. Over that time, I've had maybe one "hiccup" which dealt with opening a new account for my wife. Something about paperwork being lost or something, but a quick call (seriously, they usually pick up within 2 minutes or fewer) and everything was resolved. They ...
by kazper
Sat Jul 22, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Debt: pay down student loan or car loan
Replies: 11
Views: 1269

Re: Debt: pay down student loan or car loan

I might not pre pay either. Do you have an ef of 3 months at least? Are you getting at least the match on a 401k? How about a roth? You should at least max a roth before paying down very low int rate loans. If debt repayment is your goal I would leave the car completely alone and "just pay as agree...
by kazper
Fri Jul 21, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Humid basement
Replies: 39
Views: 3584

Re: Humid basement

Has anyone tried the DampRid Moisture Absorber? http://www.homedepot.com/p/DampRid-64-oz-Fragrance-Free-High-Capacity-Moisture-Absorber-FG50T/100391308 My coworker swears by this stuff, so I've been thinking of getting a couple for my basement. It does a little bit, but not enough to be noticeable ...
by kazper
Fri Jul 21, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Humid basement
Replies: 39
Views: 3584

Re: Humid basement

While a dehumidifier does indeed remove humidity, it also releases heat and raises the temperature in the room. I, too, have a basement that gets too humid and hot in the summer, partly from the gas furnace that kicks on to heat our water. I used a dehumidifier for a couple of years, but it made th...
by kazper
Fri Jul 21, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Debt: pay down student loan or car loan
Replies: 11
Views: 1269

Debt: pay down student loan or car loan

We just finished paying off 40k worth of my wife's student loans (yay!). That leaves some money available to start paying down our other remaining debt. My student loan- about 7k at 3% fixed. Car payments- 11k at 1% Which would you start with? On the one hand the student loan has a higher apr and is...
by kazper
Wed Feb 01, 2017 8:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Amazon Smile: John C Bogle Center
Replies: 23
Views: 5243

Re: Amazon Smile: John C Bogle Center

Big fan of amazon smile, but I wish they gave more. My wife's work has an amazon smile account, they are a nonprofit helping people with disabilities. It probably adds a few dollars to their account, but not much.
by kazper
Wed Feb 01, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Free Tax USA Deluxe edition- worth it?
Replies: 6
Views: 1968

Re: Free Tax USA Deluxe edition- worth it?

I think everything is calculating correctly for me. There was a 1 difference with tax act, but I was a little more precise with taxhawk.

My big concern is with no cash donations. It allows for like 80 characters but only shows maybe 15 or fewer on the form. Is that something i,should worry about?
by kazper
Wed Feb 01, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO discount for Berkshire Hathaway shareholders
Replies: 23
Views: 15246

Re: GEICO discount for Berkshire Hathaway shareholders

slbnoob wrote:I told them I own it through Vanguard in a mutual fund (guess which one?). I got the 8% discount.
I did,this last night. Worked like a charm, although it wasn't 8%. Might be because I am a fed and already have other discounts in place. Still, less I have to pay.
by kazper
Wed Feb 01, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinancing - Should I Accept?
Replies: 5
Views: 1328

Re: Student Loan Refinancing - Should I Accept?

Just to provide info,we refinanced with earnest. It was a very easy process, and many of their customer service reps went out of the way to help me with questions. They even paid for a nice meal after we signed the loan, which I thought was a nice (unexpected) perk. Their payment processing website ...
by kazper
Sun Jan 29, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Free Tax USA Deluxe edition- worth it?
Replies: 6
Views: 1968

Free Tax USA Deluxe edition- worth it?

I've read through a few posts and people generally tend to be in favor of the free tax USA software. I'm a recent convert after discovering that TaxAct wanted to charge roughly $40, 25 of which is state. Has anyone purchased the deluxe edition of free tax usa? Is it worth it- $7? A part of me wants ...
by kazper
Mon Jul 25, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 80
Views: 9570

Re: What kind of apartment can $1k get you in your city?

A topic near and dear to my hear *sigh* Where I went to college, we rented a nice one bedroom apartment with washer and dryer and about 900 sq ft for under 500 in the rural midwest. When we moved to the DC area, we gained about 200 sq ft, but it cost 1100 more per month. :oops: Really makes me miss ...
by kazper
Mon Jul 25, 2016 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Best full featured online checking?
Replies: 40
Views: 4731

Re: Best full featured online checking?

It also seems somewhat mid tier...not sure how good customer support is. I can say that I've only had good experiences the few times I had to call. I'm usually connected to a US rep within a minute, sometimes less. Can't beat that! :beer Most of the negative reviews I've read about Ally have to do ...
by kazper
Fri Apr 29, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 870
Views: 94808

Re: Netflix, Your Current Favorite Show

I can recommend "The Guardian" there are 3 seasons, 22 episodes per season, on Amazon free with Prime. It is about lawyers, almost as good as "The Good Wife" my favorite lawyer show. http://www.imdb.com/title/tt0285370/ If you like the guardian check out the mentalist. Not available for streaming, ...
by kazper
Fri Apr 29, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Shipping a small SUV from CA to GA
Replies: 9
Views: 1199

Re: Shipping a small SUV from CA to GA

I used a car transport service to send one from va to mi.the driver was amazingly fast. He picked up the car about 9 or 10 pm one day and had it there the very next day! Wish I could find their info for you, but it was probably lost a while ago.
by kazper
Fri Apr 29, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: Aldi now accepts credit cards!!!
Replies: 65
Views: 9264

Re: Aldi now accepts credit cards!!!

Milk is about $1 cheaper per gallon than most places, but doesn't last as long. Even thoug I hate Walmart, sams club offers it for the same price and it usually lasts longer. I love Aldi, but I hand my milk purchases to Kroger, where I can get 1/2 gallon skim for 1.05. Aldi is a bit more, as is Wal...
by kazper
Thu Apr 28, 2016 8:11 pm
Forum: Investing - Theory, News & General
Topic: Why not ETFs?
Replies: 57
Views: 6015

Re: Why not ETFs?

I own a few etfs. They had a lower er than the corresponding index fund and no loads or commissions (vanguard).

Major drawback for me is the lack of automatic investment. But with the potential bid/ask spread, yo need to be cautious when purchasing.
by kazper
Thu Apr 28, 2016 8:04 pm
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 29
Views: 3080

Re: Mosquito control for home

Warning: this will kill ANY bugs that come into contact with it.

I have been trying nyguard igr from do my own pest control.com. A hose end sprayer or tank sprayer and you are in business.
by kazper
Thu Apr 28, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited property and family issues
Replies: 39
Views: 4578

Re: Inherited property and family issues

The problem is, Mary's been freeloading for the last 7 years. At this point, she feels entitled to live in the house. There's no easy way to get out of this situation (the best solution would have been to sell the house as soon as your parents died, but that ship has sailed). The "fair" thing to do...
by kazper
Tue Apr 26, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Help Buying First Car
Replies: 31
Views: 2673

Re: Help Buying First Car

You should have pre-arranged financing before you go to the dealership, but let the salesman think you are probably going to finance through them. The reason for this is that because dealerships get a nice bonus for arranging financing, they are usually willing to lower the price a bit if they thin...