Search found 1251 matches

by Afty
Sun May 31, 2020 8:34 pm
Forum: Personal Investments
Topic: How to allocate 529 funds?
Replies: 3
Views: 329

How to allocate 529 funds?

I have 529 accounts for each of my kids. Currently I have the 529s invested in the age-based portfolios in the Vanguard Nevada 529 plan. I am wondering whether it would make more sense to treat the 529 funds as part of our overall portfolio and allocate them according to tax-efficient fund placement...
by Afty
Sat May 30, 2020 11:14 am
Forum: Personal Investments
Topic: Out of market now and need advice on re-entering
Replies: 67
Views: 5049

Re: Out of market now and need advice on re-entering

A caveat about Vanguard PAS: to my knowledge, they cannot manage or even advise on funds in employer retirement plans like a 401k, even if those accounts are held at Vanguard. If a large fraction of OPs assets are in the 401k/457 accounts, then PAS won't work for them.
by Afty
Fri May 29, 2020 12:46 pm
Forum: Personal Consumer Issues
Topic: New iPhone SE?? has anyone bought and used one?
Replies: 28
Views: 1933

Re: New iPhone SE?? has anyone bought and used one?

Pros of XS: Much larger screen in a not-much-larger body (screen goes to the edges of the phone). Higher quality OLED screen instead of LCD. Better camera with 2 lenses instead of 1. Facial recognition instead of fingerprint for unlocking. (This might be a con now in the age of face masks). Better b...
by Afty
Fri May 29, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: New iPhone SE?? has anyone bought and used one?
Replies: 28
Views: 1933

Re: New iPhone SE?? has anyone bought and used one?

My wife upgraded from the old SE to the new SE. The new SE is noticeably bigger, which she initially didn't like but has gotten used to. Another noticeable difference is that the home button is no longer a physical button, but a "haptic" button that doesn't move but fake clicks via haptic feedback. ...
by Afty
Thu May 28, 2020 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 33
Views: 1686

Re: Is Capital One 360 bank account OK?

I've had accounts there since they were ING direct - no issues, easy to use interface/ap I have savings accounts at Capital One and Barclays. No problems with either. As another user mentioned, there are threads about Cap. One if you want to check those out. It seems they're not as transparent as o...
by Afty
Tue May 26, 2020 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: 1:1 salary and stock jobs?
Replies: 80
Views: 5099

Re: 1:1 salary and stock jobs?

I thought Netflix gave employees the option to take some or all of their comp as options?
by Afty
Tue May 26, 2020 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: How is the Amazon Prime Rewards Visa Signature Card
Replies: 41
Views: 2231

Re: How is the Amazon Prime Rewards Visa Signature Card

I've had this card for a couple years now and have been happy with it. It does what it is supposed to do -- gives me 5% cash back at Amazon and Whole Foods. I can't comment on sign up bonuses or whether they do a hard pull.
by Afty
Tue May 26, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Jumbo Loan Market still frozen
Replies: 11
Views: 1013

Re: Jumbo Loan Market still frozen

HEDGEFUNDIE wrote:
Tue May 26, 2020 2:30 pm
My $1.2M refi with BoA just closed today
Mine (jumbo with BofA) is closing this Thursday. But I started the process in February, so things may be tighter now.
by Afty
Tue May 26, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2192

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

We had a reservation for Canyon Lodge at Yellowstone in July. It has been canceled by the park. Would you even be able to take this trip if you wanted to?
by Afty
Sun May 24, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8480

Re: Investors: be aware of weakness in 2FA + strengthening

If you do use 2FA that is reliant on your cell carrier, would advise that you look into any type of extra security available (pin codes / account strengthening that they offer). This would make it more difficult for the SIM attack. Could also look at 2FA like google Authenticator if your financial ...
by Afty
Sun May 24, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 56
Views: 3333

Re: New Tires or New Car?

This was a surprising thread to me until we found out the car is a Land Rover. :D I still think you'd be better off waiting to sell. Used car prices are depressed right now, and as you said you're not driving much anyway, so a new car would just be sitting there. I like the idea of shaving a new tir...
by Afty
Sat May 23, 2020 10:22 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13088

Re: Will "work from home" destroy the commercial real estate market?

At any large company, if you do a geographic transfer your salary will be adjusted to the new location. I’m not sure why people expected this to be different for WFH. I thought most big companies keep your salary the same if you move to another office location until you get a new job title then you...
by Afty
Sat May 23, 2020 6:13 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13088

Re: Will "work from home" destroy the commercial real estate market?

At any large company, if you do a geographic transfer your salary will be adjusted to the new location. I’m not sure why people expected this to be different for WFH.
by Afty
Fri May 22, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice for undertaking a PhD
Replies: 47
Views: 2934

Re: Financial advice for undertaking a PhD

adamthesmythe wrote:
Fri May 22, 2020 8:15 pm
I've never had a Ph.D. student who finished past the age of 30. I have encountered a few- very few.
What goes wrong for older students? I observed the same thing during my PhD program.
by Afty
Fri May 22, 2020 7:32 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7163

Re: Has anyone ever used their Emergency Fund?

The question seems to be written as if everyone has a separate account labeled "break glass in case of emergency!" We have an account with a bunch of cash. We use the account to get cash from the ATM, pay monthly bills, sometimes having higher bills such as when we decide to go on vacation, treat o...
by Afty
Fri May 22, 2020 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice for undertaking a PhD
Replies: 47
Views: 2934

Re: Financial advice for undertaking a PhD

What field is the PhD in? What is your goal, to teach or something else? This will affect the financial advice we are able to give.
by Afty
Thu May 21, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2150

Re: Cheap Chromebook vs Laptop PC quality/options for child

For kids that want to run Steam on their system to play games. What's the workaround? If running Steam is important to you/your kids, I would choose a Windows laptop. Chromebooks are just not designed to run local applications. You might be able to hack it enough to work, but I would guess that the...
by Afty
Thu May 21, 2020 12:40 pm
Forum: Personal Investments
Topic: Does Capital one send emails when their interest rate decreases?
Replies: 25
Views: 1090

Re: Does Capital one send emails when their interest rate decreases?

I'm not aware of any banks that notify account holders when interest rates drop. Cap. One recently dropped from 1.5% to 1.3% APY on their Performance Savings account (within the last week or days, I think). Well, they certainly like to notify us when the rate increases. Agree that I have not receiv...
by Afty
Wed May 20, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 34
Views: 1588

Re: Furniture for an infant in the living room

We were looking at an article at consumer report and found that some products could be dangerous to the baby’s life such as “Fisher-Price Rock ’n Play Sleeper”. HA, whatever. As with anything, adequate supervision trumps those reports. Our daughter slept in one of those for 2-years. Same with both ...
by Afty
Wed May 20, 2020 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12076

Re: Selling home - low ball negotiation

Well, I did not have the courage to ignore the lowballer. Shame on me! Anyway, after a long negotiating session over 6 days, we ended up coming down 6% from our listing price to close the deal. Several factors in place (my justification or CYA): - very few showings during the listing period of 10 w...
by Afty
Tue May 19, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6440

Re: Discarding Music CDs

Mainstream music even from decades ago is readily available on streaming services like Spotify. If you wanted to check, you could do a free trial and see for yourself. Spotify I believe gives 3 free months to start.
by Afty
Sat May 16, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Rent is increased by 6%, negotiation tips?
Replies: 60
Views: 5094

Re: Rent is increased by 6%, negotiation tips?

It definitely doesn't hurt to ask. We had some success negotiating rent increases when we lived in a big apartment building. We said something to the effect of, we're good tenants, we pay on time, this increase will be difficult for us. Would you accept $X/mo instead?
by Afty
Fri May 15, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6312

Re: WFW (Work from Wherever)

How do people who work from wherever handle time zone differences?
by Afty
Fri May 15, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Why do I have free ESPN (via app)?
Replies: 5
Views: 668

Re: Why do I have free ESPN (via app)?

You'll find that you can't watch most of ESPN through the app without a TV subscription, and definitely not live ESPN. For some reason they've made the Last Dance free to all. I was surprised as well.
by Afty
Thu May 14, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12076

Re: Selling home - low ball negotiation

Did I read your post correctly that they offered 10% of your asking price?! If that’s the case, I don’t see much point in negotiating. That seems like a bad faith offer IMO.
by Afty
Tue May 12, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13088

Re: Will "work from home" destroy the commercial real estate market?

Twitter just announced that employees can work from home "forever": https://www.buzzfeednews.com/article/alexkantrowitz/twitter-will-allow-employees-to-work-at-home-forever How many will choose to do so? RM From Twitter's perspective, this vastly increases their recruiting opportunities. I expect t...
by Afty
Tue May 12, 2020 12:02 pm
Forum: Personal Investments
Topic: Lump sum annual IRA strategy
Replies: 4
Views: 281

Re: Lump sum annual IRA strategy

It sounds like you save up cash throughout the year, and then invest it in an IRA as soon as you can, on January 1. Now you are proposing to instead invest that money in a taxable account, then on Jan 1 sell some from the taxable account and use it to fund your IRA. I think that makes a lot of sense...
by Afty
Mon May 11, 2020 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Appraiser is asking for more money in the middle of refinance process, legal?
Replies: 36
Views: 3222

Re: Appraiser is asking for more money in the middle of refinance process, legal?

Have you brought this up to the lender? I expect they would be able to smooth this over.
by Afty
Mon May 11, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance; Bad Driver Penalty
Replies: 21
Views: 1674

Re: Car Insurance; Bad Driver Penalty

Leesbro63 wrote:
Mon May 11, 2020 1:55 pm
2. Is there some other alternative he's missing, besides taking the bus?
Uber or Lyft? I’m serious. $6000 pays for a lot of rides.
by Afty
Sun May 10, 2020 10:29 pm
Forum: Personal Consumer Issues
Topic: Simplest Coffee Cold Brew Systems
Replies: 16
Views: 950

Re: Simplest Coffee Cold Brew Systems

I also use the Toddy, have been for a few years. It’s easy peasy.
by Afty
Sun May 10, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: $2 million dollar house pre requisites
Replies: 109
Views: 9755

Re: $2 million dollar house pre requisites

And other people have one heck of a comfort level in sinking the majority of their net worth into a single non-diversified illiquid hard asset. No thanks. You've probably answered this question before, but isn't the majority of your net worth sunk into the house whether or not you pay off the mortg...
by Afty
Sun May 10, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Where should I go for extended warranty on my Toyota?
Replies: 35
Views: 1844

Re: Where should I go for extended warranty on my Toyota?

You can think of an extended warranty as a kind of insurance. It must have negative expected value because it generates profit for the dealer and the automaker, but you may get unlucky and be one of the ones for whom it actually pays off. If you can afford to self-insure -- to pay for an unlikely re...
by Afty
Sat May 09, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: Long-term planning gone awry
Replies: 34
Views: 2945

Re: Long-term planning gone awry

"Plans are useless, but planning is indispensable." -Dwight D. Eisenhower "Everyone has a plan until they get punched in the mouth." -Mike Tyson It's important to plan, but it's also important to be flexible and alter your plan as the situation changes. Over such a long timeframe, things are going t...
by Afty
Sat May 09, 2020 2:08 am
Forum: Personal Investments
Topic: 83b election on publicly traded RSUs
Replies: 2
Views: 232

Re: 83b election on publicly traded RSUs

Interesting, I hadn't heard of this. From what I'm reading, it sounds like the 83(b) election can only be done with restricted stock and not RSUs. References: https://mystockoptions.typepad.com/blog/2017/04/restricted-stockrsus-and-tax-returns-eight-costly-mistakes-to-avoid.html https://www.forbes.c...
by Afty
Fri May 08, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Does keeping ice packs in fridge save energy?
Replies: 27
Views: 2700

Re: Does keeping ice packs in fridge save energy?

Counterpoint: Modern day refrigerators use astonishingly less energy than they used to, maybe 350 kWh/year. Any of these efforts would likely have only a marginal financial benefit if any. I'm all for efficiency and making personal sacrifices to achieve such efficiencies, but it is likely that ther...
by Afty
Fri May 08, 2020 12:57 pm
Forum: Personal Consumer Issues
Topic: Amazon issues - cannot even cancel Prime really
Replies: 59
Views: 3738

Re: Amazon issues - cannot even cancel Prime really

Their end your membership page says that they will only refund you if you haven't used your benefits yet; otherwise it just prevents renewal. Probably the best you can do is to complain again to customer service and see if they take pity on you.
by Afty
Thu May 07, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing not to correct all billing/financial errors
Replies: 68
Views: 4593

Re: Choosing not to correct all billing/financial errors

When I find myself thinking that correcting some injustice is about the principle rather than the actual benefit, it's a good signal that it is not worth spending time on.
by Afty
Thu May 07, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Craigslist - are these scams?
Replies: 49
Views: 3130

Re: Craigslist - are these scams?

Any response where the buyer can't meet in person is a scam. If they can meet in person and give you cash, they're probably legit. The suggestion of meeting at a police station is a good one. I found when selling a car on CL last year that many legitimate buyers do make initial contact through text....
by Afty
Thu May 07, 2020 1:21 pm
Forum: Personal Investments
Topic: Why Make Portfolio Safer (More Bonds) as I age?
Replies: 35
Views: 3051

Re: Why Make Portfolio Safer (More Bonds) as I age?

I am running some Monte Carlo simulators and I don’t understand the basis for why a person that is older say 60 and up should have an asset allocation closer to 50/50 stock bond versus just continuing to hold 100% stock like a 30 year old would. If I never plan to sell /use all my investments at a ...
by Afty
Thu May 07, 2020 1:11 pm
Forum: Personal Investments
Topic: Why Make Portfolio Safer (More Bonds) as I age?
Replies: 35
Views: 3051

Re: Why Make Portfolio Safer (More Bonds) as I age?

I'd also throw out a behavioral reason: it's much harder to accept a large investment loss when you don't have any more employment income. You're more likely to panic and pull out of the market.
by Afty
Thu May 07, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Sibling's Undergrad or Refinance Parent's Mortgage
Replies: 52
Views: 3155

Re: Pay Sibling's Undergrad or Refinance Parent's Mortgage

Hard no to the cash out refinance.

I support your plan to help pay your brother's college expenses; that's a wonderful thing to do. Michigan is an excellent school. /thumbsup
by Afty
Mon May 04, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4662

Re: Front load washing machine recommendations

After a week with the LG WM3900HWA, the most noticeable difference from our old GE front loader is a huge improvement in wash speed, due to the "Turbowash" feature. Our GE would take an hour and a half for a load of sheets; the LG does it in 30 minutes.
by Afty
Sun May 03, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4662

Re: Front load washing machine recommendations

FYI, there are now top load high efficiency washers that might be worth considering if you have had mold issues with a front load washer. Unlike normal top loaders, they don’t have an agitator so they use less water and are gentler on clothes.
by Afty
Sun May 03, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6280

Re: Best BBQ for the money?

Most if not all of the Weber Q models use small, expensive propane cylinders, not the cheap standard 20lb ones. The Wirecutter reviewed grills at https://thewirecutter.com/reviews/best-gas-grill/ and for your $500 budget, really liked the Weber Spirit II E-310. This particular grill uses a full siz...
by Afty
Sun May 03, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6280

Re: Best BBQ for the money?

Hello all ! So I tried to fire up old reliable today and it melted the knob and the first burner would not fire so I'm thinking it's time for a new outdoor BBQ grill. Wondering what everyone's thoughts are on best grills for the money? Generally we have always bought the cheapest big box store gril...
by Afty
Sat May 02, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4662

Re: Front load washing machine recommendations

ScubaHogg wrote:
Sat May 02, 2020 6:07 am
Between that and the fact you can’t throw a sock in after the cycle starts front loaders are just too much on a pain.
If you hit pause, it will unlock the door and you can throw the sock in. At least with the front loaders we've had (LG and GE).
by Afty
Fri May 01, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4662

Re: Front load washing machine recommendations

This is interesting as well as another source of reliability data: https://blog.yaleappliance.com/most-rel ... ad-washers
by Afty
Fri May 01, 2020 7:42 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4662

Re: Front load washing machine recommendations

We just had our washing machine die and had to replace it. I found this Wirecutter guide very helpful: https://thewirecutter.com/reviews/the-best-washer-and-dryer/ I bought the recommended LG WM3900H washer. It is also recommended by CR. LG gets CR's top rating for reliability as well. Mold has not ...
by Afty
Thu Apr 30, 2020 10:20 pm
Forum: Personal Consumer Issues
Topic: 20 AMP Plugs
Replies: 31
Views: 2063

Re: 20 AMP Plugs

Another use for these outlets is EV charging. Tesla sells an adapter that lets you draw 16 amps continuous from a NEMA 5-20 outlet.