Search found 173 matches

by cyclysm
Thu Dec 13, 2012 9:21 pm
Forum: Personal Consumer Issues
Topic: I phone setting for overseas
Replies: 13
Views: 1498

Re: I phone setting for overseas

Verizon's iPhone4 will not work on most networks overseas since they are GSM and the iPhone4 is CDMA-only. https://community.verizonwireless.com/thread/466582 If you have Verizon's iPhone5, it is a completely different story. http://gigaom.com/apple/why-the-verizon-iphone-5-is-a-globetrotters-best-...
by cyclysm
Mon Sep 03, 2012 1:38 pm
Forum: Personal Consumer Issues
Topic: Hiring a baby sitter instead of day care
Replies: 53
Views: 6627

Re: Hiring a baby sitter instead of day care

I hope this comment gets in before this thread ends up being locked--it may be useful to some... We just went through all this research and workman's comp proved to be the trickiest thing. It's required in my state, and most insurance companies didn't have a clue if or how they could offer it. The o...
by cyclysm
Sun Aug 12, 2012 12:46 pm
Forum: Personal Consumer Issues
Topic: Need advice on purchasing a gas trimmer
Replies: 21
Views: 4106

Re: Need advice on purchasing a gas trimmer

I am looking to replace my 7 year old 25 cc 2-cycle 17 inch gas weedwacker. The trimmer must be able to have an attachment for edging. What brand name do you recommend? Please provide model number. Thank you in advance for your assistance! I know you said gas, but if you have a smallish yard (perha...
by cyclysm
Sat Aug 11, 2012 5:01 pm
Forum: Investing - Theory, News & General
Topic: 1 529 for multiple children?
Replies: 19
Views: 6496

Re: 1 529 for multiple children?

The rules of arithmetic: Suppose you have 2 accounts, one for each child A and B. Suppose that Compounding C occurs: C * (A + B) = C * A + C * B So from an "amount of money" situation, you do not gain anything at all by having one account. From any other perspective, it is best to have 2 accounts. ...
by cyclysm
Sat Aug 11, 2012 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: FSA technical questions
Replies: 6
Views: 905

Re: FSA technical questions

Additionally my wife’s HR department is telling her that she cannot start deductions for a dependent FSA until our baby is 6 weeks old. This does not make sense to me because the window to change benefits is only 31 days. I understand that expenses before the child is 6 weeks old cannot be reimburs...
by cyclysm
Sat Jun 30, 2012 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Husband has HDHP, wife contributes to HSA?
Replies: 5
Views: 1251

Re: Husband has HDHP, wife contributes to HSA?

As I understand it, your/her employer shouldn't be involved in her new HSA at all. She can open an HSA completely on her own independent of her/your employer. Enforcement of HSA rules is handled by the IRS, not the HSA administrator. So basically, she can open an account, check the box that says sh...
by cyclysm
Sat Jun 30, 2012 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Husband has HDHP, wife contributes to HSA?
Replies: 5
Views: 1251

Re: Husband has HDHP, wife contributes to HSA?

So if I read Form 969 correctly, my wife should be able to make the contributions. My logic is as follows: - My wife is eligible for an HSA, because we are married and therefore she is covered by my family HDHP insurance. Relevant quotes: "You must be covered under a high deductible health plan (HDH...
by cyclysm
Fri Jun 29, 2012 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Husband has HDHP, wife contributes to HSA?
Replies: 5
Views: 1251

Husband has HDHP, wife contributes to HSA?

I've got a rather nuanced question and am hoping for some help. I've tried searching around, but haven't had any luck (that, or I'm a poor searcher). The gist of my question is this: Is it permissible for one spouse to carry an HDHP with family coverage, while the other spouse contributes to an HSA?...
by cyclysm
Thu Jun 07, 2012 9:01 pm
Forum: Personal Consumer Issues
Topic: Another reason why you should never reuse passwords...
Replies: 249
Views: 56646

Re: Another reason why you should never reuse passwords...

Does LastPass integrate with Quicken? I.e., if I get LastPass and change my Vanguard password, how will I automatically update my Vanguard account in Quicken? Are they integrated, or do you have to save the jibberish password into Quicken? Doing that would seem to hurt the security provided by LastP...
by cyclysm
Thu May 31, 2012 11:16 am
Forum: Personal Finance (Not Investing)
Topic: living trust title as beneficiary vs. name of trust
Replies: 21
Views: 4540

Re: living trust title as beneficiary vs. name of trust

The trustee is the payee and the payor. When you write a check, you sign your name. If you put your home in your trust, the owner will be Trustee, Trustee for Trust. When you sell your house, you will sign as Trustee, Trustee for Trust. At TD, the account in the name of your trust is owned by Trust...
by cyclysm
Sun May 27, 2012 9:10 pm
Forum: Personal Consumer Issues
Topic: Pellet gun recommendation?
Replies: 35
Views: 3705

Pellet gun recommendation?

I recently put a bunch of work into landscaping and have since determined I need to protect my investment from rabbits. Anybody have an air rifle they particularly like? I'm looking at a Crosman 2100B or Daisy 880 since both can shoot BBs as well as pellets. Reviews are decent on both, but each has ...
by cyclysm
Wed May 09, 2012 8:47 pm
Forum: Investing - Theory, News & General
Topic: what impact should "events" have on allocation ?
Replies: 21
Views: 1211

Re: what impact should "events" have on allocation ?

If Congress had really refused to raise the debt ceiling last year, my risk-tolerance would have changed for sure. Not sure how I would have adjusted my AA, but surely I would have... I don't think you are getting other people's points. If you have a massive heart attack tomorrow, that may change y...
by cyclysm
Wed Apr 11, 2012 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Amerisave Refi Experiences?
Replies: 27
Views: 5389

Re: Recent Amerisave Refi Experiences?

My loan was FINALLY sold to CitiMortgage after 6+ weeks. I had to make a payment to Amerisave in the mean time. Amerisave was NOT forthcoming as to where the payment should be sent. I'm not taking a side here, but I do think it's fair to point out that the closing documents contained two payment st...
by cyclysm
Mon Apr 02, 2012 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Why was I advised against a 529?
Replies: 22
Views: 3325

Re: Why was I advised against a 529?

Although I don't have the background to give advice here, I was wondering why no one has mentioned I Savings Bonds . If I Bonds are redeemed for qualifying education expenses, the interest is completely tax free, provided certain conditions are met. The wiki has additional background info: 529 Plan...
by cyclysm
Fri Mar 09, 2012 10:54 pm
Forum: Personal Consumer Issues
Topic: Lawn mower recs needed
Replies: 29
Views: 4898

Re: Lawn mower recs needed

Love my Toro composting gas-powered push mower. Great for the biceps. So much more pleasureable mowing grass on a sunny day than working out at a gym. Can't imagine ever buying a self-propelled. Personally, I can't imagine spending a nice day smelling exhaust from a mower. According to the EPA, as ...
by cyclysm
Thu Feb 02, 2012 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Amerisave Refi Experiences?
Replies: 27
Views: 5389

Re: Recent Amerisave Refi Experiences?

I've used them twice, and didn't have problems. The first time they took longer than my rate lock period to close, but it was on their end so they honored the rate without me having to ask or do anything. I think a lot too depends on your agent. The first guy wasn't all that responsive, but the seco...
by cyclysm
Sun Nov 06, 2011 9:24 pm
Forum: Investing - Theory, News & General
Topic: Do I-Bonds makes sense for mid-20s Bogleheads?
Replies: 11
Views: 1751

Re: Does i-Bond makes sense for mid-20s Bogleheads?

Given the max of 30 year tax-deferral, if it is not cashed out at all, it is likely to be redeem when the person hit the 50s and presumably will be in the highest tax bracket during that time. Just a question on mechanics for my own benefit--do you HAVE to cash the thing out after 30 years? They sa...
by cyclysm
Thu Oct 06, 2011 7:58 pm
Forum: Investing - Theory, News & General
Topic: Finally! Can we lay DCA to rest and ban this topic forever?
Replies: 501
Views: 40917

What if you're planning to move a large sum of money into Treasury bonds? The study referenced in Swedroe's post only looked at the S&P 500.
by cyclysm
Tue Sep 27, 2011 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Dividends AmEx card in addition to regular MC?
Replies: 1
Views: 495

Citi Dividends AmEx card in addition to regular MC?

Not sure if anybody else has seen this, but Citi just confused me. I've had a Citi Dividend cash back card for years. My current card has a MasterCard logo and was not due to expire until 2013. However, out of the blue I receive a new card yesterday. It's exactly the same number, but expiration date...
by cyclysm
Sun Aug 14, 2011 2:11 pm
Forum: Investing - Theory, News & General
Topic: Anyone invest in renting farmland?
Replies: 35
Views: 10234

Bongleur wrote:What's CRP?
Conservation Resource Program. Basically the government pays the owner to keep the land out of production and in its natural state. Helps with pollution, erosion, and other problems.

http://en.wikipedia.org/wiki/Conservati ... ve_Program
by cyclysm
Mon Aug 08, 2011 8:57 pm
Forum: Personal Consumer Issues
Topic: Anyone riding in 2011 RAGBRAI?
Replies: 12
Views: 2525

Ragbrai is always interesting. I can't help but wonder at the fact that there are 10,000 to 20,000 people insane enough to ride a bicycle across the state of Iowa in late July. I guess it beats investing in stocks, though... What's so insane about biking for a week in late July? A dozen or so rides...
by cyclysm
Tue May 03, 2011 8:14 pm
Forum: Personal Consumer Issues
Topic: Advice on a trip to Ireland?
Replies: 26
Views: 3788

Don't fly back-or drive- to London at the end. Fly into London and out of Edinburgh or Dublin. I've heard Dingle is great in Ireland, though what's really best is the Irish people. I agree with this. Heathrow is a long ways from London, and you'd waste some sight seeing time. Flying out of Shannon ...
by cyclysm
Thu Apr 21, 2011 8:13 pm
Forum: Investing - Theory, News & General
Topic: New I Bond Rates Will Surpass Short-Term CD Rates
Replies: 44
Views: 9431

Using my admittedly strong assumptions (0% fixed rate in May, 0% inflation rate in November), the April bond will earn more over its first year than the May bond. Depends if you intend to redeem it or not. If you redeem after 12 months, the May bond will earn more. See the numbers in the OPs link.
by cyclysm
Wed Apr 20, 2011 8:06 pm
Forum: Personal Consumer Issues
Topic: Standing water around my foundation
Replies: 7
Views: 2418

Just fill the low spots with dirt so the general slope UNDER the mulch is away from your house. Throw mulch over the top and you should be good to go. No need to consult a professional for that one, especially if none of the water is coming inside.
by cyclysm
Tue Mar 29, 2011 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Safety of Valuables/Documents at Home?
Replies: 18
Views: 2590

We don't own any valuables. We keep documents in the fire-proof box with the key plainly visible so anyone can open the box and see that there is nothing of value in it. I like this approach. I had some "valuables" (e.g., coins, little jewelry items) stolen a couple years ago when our house was rob...
by cyclysm
Fri Mar 25, 2011 9:08 pm
Forum: Investing - Theory, News & General
Topic: Bonds in Roth IRAs the best policy?
Replies: 45
Views: 18169

Depends. If you're not investing enough to fill up your tax-advantaged space each year, then of course there will be some stocks in there. Despite having some holdings in a taxable account, that's my situation -- all new money is going into tax-advantaged accounts. - Scott Kind of hijacking here, b...
by cyclysm
Wed Mar 23, 2011 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Office to Pseudo Cubicle
Replies: 56
Views: 7991

Thanks dbr, MBMiner - Unfortunately, I am 30+ years from retirement. I do have the option of leaving for another opportunity, but replacing the income will be challenging. At times I wonder whether any of this is worthwhile at all... Seriously, 30+ years to retirement and you've never worked in a c...
by cyclysm
Sat Mar 19, 2011 1:13 pm
Forum: Personal Consumer Issues
Topic: To minivan or Not to minivan?
Replies: 46
Views: 7171

If $7,500 is your limit, you can pretty much write off the minivan idea, unless you don't care that it is REALLY used.
by cyclysm
Thu Mar 10, 2011 9:00 pm
Forum: Investing - Theory, News & General
Topic: Tax efficiency for young people
Replies: 7
Views: 1720

Agreed on the question about the 401k. If you get one, withhold by $5K more than you normally would (assuming you don't hit the max level) and sell some of your taxable to fund the Roth. I started a taxable account when I shouldn't have and just finished getting it all moved into tax advantaged spac...
by cyclysm
Thu Mar 10, 2011 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: The Pimco view of reality
Replies: 9
Views: 3049

Re: The Pimco view of reality

rcshouldis wrote:I am heavy in cash and I am just waiting to get back in when I know what's going to happen to the yields.
If you don't know what's going to happen to yields now, what makes you think you'll know what is going to happen later this spring or summer?
by cyclysm
Sun Feb 27, 2011 9:03 pm
Forum: Personal Consumer Issues
Topic: mozy price jump - looking for other online backup options
Replies: 47
Views: 4627

or, take my existing 1.5 TB drive, and after a backup, just squirrel it away in other end of house. use a free 2 GB online solution in between. because how many houses burn to the ground and are a total loss every year? ~0.1%? i like my odds. I'm sure there were plenty of VAR models that said the e...
by cyclysm
Tue Feb 22, 2011 9:34 pm
Forum: Personal Investments
Topic: HR Block software and Roth conversion?
Replies: 8
Views: 2402

Mine worked like a charm. I think the starting point was the 1099R (or 1098R, perhaps?) from the traditional IRA that was rolled over. After I put this in it asked questions about it being a roll over (e.g., did you reinvest within 60 days, etc). I can't remember when this happened--it may not have ...
by cyclysm
Fri Feb 18, 2011 8:26 pm
Forum: Personal Investments
Topic: Future HSA Contribution Limits
Replies: 8
Views: 1276

I've never posted in a locked thread that was later locked. I think this has potential.

I'm not aware of any HSA limit changes under any legislation that has been signed into law to this point.
by cyclysm
Sat Feb 05, 2011 8:54 pm
Forum: Personal Consumer Issues
Topic: Home inventory software program recommendation
Replies: 6
Views: 1331

I use this. Free and pretty full featured--easy to add pics/receipts/etc.

http://www.whatyouown.org/
by cyclysm
Tue Jan 25, 2011 9:36 pm
Forum: Personal Consumer Issues
Topic: Can't afford a used $3000 car? Buy a new $25000 car !
Replies: 41
Views: 7039

Re: Can't afford a used $3000 car? Buy a new $25000 car !

dm200 wrote: It is called "Rationalization" (in US English).

The term has a completely different meaning in British English.
What's the British English meaning?
by cyclysm
Thu Jan 20, 2011 9:19 pm
Forum: Investing - Theory, News & General
Topic: TIPS Auction today gives euphoria!!!!
Replies: 10
Views: 2310

Re: TIPS Auction today gives euphoria!!!!

UNITED STATES TREAS NTS 1.12500% 01/15/2021 TIPS INFLATION FACTOR: 1.00005000 The sale was "disappointing", didn't fill, so the noncompetitive bids like mine got a really nice yield. This was blind luck since the expected coupon was zero. Sometimes you get lucky, but even at 0%, the TIPS would have...
by cyclysm
Mon Jan 17, 2011 3:27 pm
Forum: Personal Investments
Topic: hsa frustration
Replies: 4
Views: 789

Perhaps you should consider this part of your emergency fund. Keep $5,500 worth of receipts for medical bills that have not been reimbursed, then you can pull the money out of the HSA at any time. Also, if you earn interest on the money, you do not have to pay tax on that.
by cyclysm
Tue Jan 11, 2011 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP and Pregnancy
Replies: 8
Views: 8790

I'm curious about this too. At what point does your status change from "couple" to "family"? Which annual maximum would apply during a childbirth situation...the lower "couple" maximum or the higher "family"? I would guess the kid is covered from the moment of birth so how do they handle charges as...
by cyclysm
Mon Jan 10, 2011 9:30 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 102523

Oh, God! Why does it have to be Brent Musburger? Where's the mute button. Because you can't have the Brent Musburger drinking game without Brent Musburger! http://www.fanblogs.com/ncaa/005660.php Note: You'll have to update some of the rules with new names, but "It's a footrace" is my favorite.
by cyclysm
Sat Jan 08, 2011 4:05 pm
Forum: Investing - Theory, News & General
Topic: Could Debt Limit Showdown Effect Vanguard Treasury Funds?
Replies: 28
Views: 3393

From the article, Geithner said the federal government may hit by March 31 the ceiling on the amount of debt it is legally allowed to issue, and urged Congress to raise it by then to avoid pushing the United States into default. So Geithner is saying the only way to pay our debt is to borrow more m...
by cyclysm
Sat Jan 08, 2011 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Bond Duration for Buy and Hold Investor
Replies: 52
Views: 6442

zotty wrote: Bond are for safety.
This is incomplete. As a young investor, I hold bonds for diversification benefits, not for safety. Some may hold them for safety, but that is not their only purpose.
by cyclysm
Sat Jan 08, 2011 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Cheap Honda extended warranty?
Replies: 27
Views: 6308

Presumably the Honda you purchased cost a bit more than a similar model produced by GM/Ford. In my mind, that cost differential is because of superior quality in the Honda and could be considered the price of the extended warranty. If you want future repairs covered, you could probably $17,750 on a ...
by cyclysm
Sat Jan 08, 2011 11:30 am
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 102523

I didn't think he'd be particularly unhappy playing in the NFL, even if it's for a team like the Panthers. That's all. NY Jet running back Shonn Green has reportedly been advising Iowa players to not leave early. He wishes he didn't, as its a job. I wonder what Adrian Clayborn thinks of his decisio...
by cyclysm
Wed Dec 29, 2010 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score hurt by cards not reporting limits
Replies: 15
Views: 2407

Have you actually pulled a free credit report to see if your limits are being reported? Also, isn't Credit Karma an imitation FICO score? If so, this is not the score banks are looking at.
by cyclysm
Wed Dec 22, 2010 9:17 am
Forum: Personal Investments
Topic: Best choice among three small and mid-cap funds
Replies: 6
Views: 3264

Re: Best choice among three small and mid-cap funds

Look at the actual allocations (from a portfolio breakdown on Morningstar, for example), not the names. If you split the market 70/20/10 (as Morningstar does), then Extended Market Index is 5/49/46 and Vanguard Small-Cap Index is 0/28/72; you can decide how to combine these to get your desired spli...
by cyclysm
Tue Dec 21, 2010 3:55 pm
Forum: Personal Investments
Topic: Best choice among three small and mid-cap funds
Replies: 6
Views: 3264

I agree that FSEMX is a good fund and that is where most of my small/mid-cap money is now (and most of my large cap is in FUSEX). However, 2010 results don't mean squat for 2011 and beyond. I would argue that I'm not overthinking this because I've decided I want a specific small and mid-cap allocati...
by cyclysm
Tue Dec 21, 2010 1:24 pm
Forum: Personal Investments
Topic: Best choice among three small and mid-cap funds
Replies: 6
Views: 3264

Best choice among three small and mid-cap funds

I have a desired asset allocation and part of it requires equal proportions of small and mid-cap blend funds (say 10% each). In my 401k, I have access to the following funds: * Fidelity extendended market Spartan fund (FSEMX) which is classified as a mid-cap blend fund, but it does have small cap in...
by cyclysm
Wed Dec 15, 2010 9:42 pm
Forum: Personal Consumer Issues
Topic: Probability Question
Replies: 45
Views: 4218

Assuming the next drawing is independent of the previous drawing, then no, nobody is less likely to win. All three have the same probability of winning (which, by the way, is FAR exceeded by the equal probability of losing).
by cyclysm
Mon Dec 06, 2010 9:35 pm
Forum: Personal Investments
Topic: Value of I Bonds in a young investor's portfolio?
Replies: 16
Views: 2669

Thanks to everybody that replied--I appreciate the perspective. Pretty sure I'll give them a pass this year, but some fine print scouring will be in order first.

Cheers!
by cyclysm
Sun Dec 05, 2010 11:15 pm
Forum: Personal Investments
Topic: Value of I Bonds in a young investor's portfolio?
Replies: 16
Views: 2669

Value of I Bonds in a young investor's portfolio?

As part of my normal year-end planning, I've been re-evaluating options for the money my emergency fund. I had been planning to construct a CD ladder, but I bonds have caught my attention. After reading some posts on the topic and consulting the Wiki, I'm still not sure if that is a good option for ...