Search found 727 matches

by wfrobinette
Mon Dec 10, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Guitar Players -CAGED system
Replies: 20
Views: 1903

Re: Guitar Players -CAGED system

At age 63 I keep picking away at the guitar, improving slightly and fully understanding my limitations (started late in life). I have a book on the CAGED system and quite frankly dont get it (other than a revenue stream for the author). The barre chords for E and A shapes are fully understood and h...
by wfrobinette
Fri Dec 07, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 8543

Re: Is this normal for an HOA?

As will satisfy most bureaucrats, I filled out entire form neatly and completely. But only the relevant, needed info was accurate.....Even though we're a small association (79 units), nobody questioned my Lambo or my wife's DeLorean . Priceless, DetroitRick! (and thanks for the belly laugh you just...
by wfrobinette
Wed Dec 05, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Home Question, What Would You Do?
Replies: 21
Views: 2097

Re: Home Question, What Would You Do?

Husband and I are 39 YOA, have 2 kids (4 and 6), living in a relatively HCOL area. Bought a home 10 YA before kids, was great for the two of us but as the kids are getting bigger we are finding that it is less than ideal for raising a family. The issues include that it lacks a neighborhood; adequat...
by wfrobinette
Wed Dec 05, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Whoops, thought wife's tIRA was Roth...help!
Replies: 28
Views: 1883

Re: Whoops, thought wife's tIRA was Roth...help!

My wife thought she had opened a Roth with Scottrade/TD Ameritrade after finishing school but it turns out it was a post tax traditional IRA. She contributed for a few years, we got married, got better jobs, and then got an advisor to help with our finances. He did not manage this tIRA and we all f...
by wfrobinette
Wed Dec 05, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off debt or maxing Roth IRA as a resident
Replies: 14
Views: 984

Re: Paying off debt or maxing Roth IRA as a resident

I am a 1st year resident physician with 210K in student loan, which I consolidated it to be 5.75%. I am currently on REPAYE (which is income based repayment). My gross income is around 56K and will increase about 2K per year. My residency will be 4 years, and I will most likely pursue a fellowship ...
by wfrobinette
Wed Dec 05, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying with no interest
Replies: 22
Views: 2020

Re: Buying with no interest

Perhaps it is only me, but I continuously receive offers for credit cards at 0% APR for 12-18 months, with a few $100's bonus to boot. Not clear why the OP would want to open a retailer card, while the above are available. I'd say the true BH's philosophy would be to take on as much 0% credit as po...
by wfrobinette
Wed Dec 05, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off debt or maxing Roth IRA as a resident
Replies: 14
Views: 984

Re: Paying off debt or maxing Roth IRA as a resident

I am a 1st year resident physician with 210K in student loan, which I consolidated it to be 5.75%. I am currently on REPAYE (which is income based repayment). My gross income is around 56K and will increase about 2K per year. My residency will be 4 years, and I will most likely pursue a fellowship ...
by wfrobinette
Mon Dec 03, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: What percent of Managers beat the market BEFORE fees?
Replies: 94
Views: 5946

Re: What percent of Managers beat the market BEFORE fees?

What percent of Managers beat the market before they charge their Fees? According to S&P research, about 20% of U.S. domestic equity funds beat the market before fees. It drops to 12% after fees. https://us.spindices.com/documents/research/research-spiva-institutional-scorecard-how-much-do-fees-aff...
by wfrobinette
Mon Dec 03, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buying with no interest
Replies: 22
Views: 2020

Re: Buying with no interest

For a few items, carpet for the house, and thinking of buying a new mattress and a new TV. Most of these places offers either 6 months or 1 year of no interest, with a credit card sign up. I don't care about opening a CC or not, it wont affect my credit score and even if it did DW and I both have c...
by wfrobinette
Mon Nov 26, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401k catch up contributions paid as lump sum
Replies: 5
Views: 435

Re: 401k catch up contributions paid as lump sum

Can the entire $6000 catch up contribution (for those 50 and older) be paid as lump sum in one pay period? Let’s say for the first paycheck of January 2019, you designate $6000 as catch up. If stocks are still down in January, it might be an opportune time to do lump sum is why I’m considering it. ...
by wfrobinette
Mon Nov 26, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-payment penalty mortgage
Replies: 16
Views: 1524

Re: Pre-payment penalty mortgage

Hello, I am a first time homebuyer in a VHCOL area shopping for a $1.3 million home. I currently have two banks competing for my business. I was hoping to get some advice on the offers I have received thus far. Bank A offered me: 15% down, 4.15% interest rate, 4.19% APR, 30 year fixed but there is ...
by wfrobinette
Fri Nov 23, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Is there CD funds in VG to be used for IRA's?
Replies: 23
Views: 2287

Re: Is there CD funds in VG to be used for IRA's?

OK, but just to be sure you're thinking clearly about this, although your 5-year nominal return is essentially guaranteed with a 5-year CD or 5-year Treasury (other than some variation due to how you reinvest the interest payments), your 5-year real (inflation-adjusted) return is uncertain. If we g...
by wfrobinette
Fri Nov 23, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Beaches Resort on Turks and Caicos
Replies: 6
Views: 1382

Re: Beaches Resort on Turks and Caicos

Who have been there? Do you like it or not? I'm thinking about booking a trip there to celebrate our 42nd anniversary in February. Advice appreciated. TravelforFun If you aren't take young kids, go to an adult only resort. Beaches is the Sandals for families. Sandals, Excellence(IMHO better than sa...
by wfrobinette
Fri Nov 23, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5440

Re: New TV Recommendations Please?

We purchased our first and only flat screen TV sometime in the early 2000s - a 43" Toshiba REGZA. However, for some reason it has not held up - there is no definition in "dark" scenes. We strain to see objects and people in night scenes, for example. Last night my wife said, "tomorrow's black Frida...
by wfrobinette
Wed Nov 21, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 102
Views: 10565

Re: Weigh in on our Marital Argument =)-- HCOL edition

We love our neighborhood and we love being close to my husband's job. Here's the argument: I want to stay in our current neighborhood, buy a 3 bedroom, tweak our finances to make that bigger mortgage work. Husband wants to either stay in our current 2 bedroom indefinitely (at least till it's paid o...
by wfrobinette
Wed Nov 21, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Sell RSUs at 18 month low or wait
Replies: 37
Views: 2519

Re: Sell RSUs at 18 month low or wait

If you didn't have RSUs, would you buy stock in your company today with the plan to sell it in three months? If yes, hold. If no, sell. This is the dilemma. I don't do short term buy/sell moves and only invest in total stock market and a small amount in sector ETFs (technology). Selling the individ...
by wfrobinette
Fri Nov 16, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: Is there CD funds in VG to be used for IRA's?
Replies: 23
Views: 2287

Re: Is there CD funds in VG to be used for IRA's?

Thanks for the answers, so just to be sure, if I select a bond or CD and buy it under my Traditional IRA, if it says 3.5% with 5 years, if I don't sell/exchange it before maturity, it guarantees 3.5%, as long as that company doesn't bankrupt, right? I see some municipal bonds and BBB rated bonds th...
by wfrobinette
Fri Nov 16, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Quantitative Equity Group Losing Talent
Replies: 61
Views: 4139

Re: Vanguard's Quantitative Equity Group Losing Talent

Quants have not delivered value anywhere, so what's the point :?: DFA, AQR, WisdomTree, Vanguard, Schwab, you name it, all have quants, these investments have not delivered any value over and beyond simple straight indexes. The only value they add is provide job opportunities for PhD's beyond acade...
by wfrobinette
Fri Nov 16, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: How to get rid of palmettos [Palmetto bugs]
Replies: 15
Views: 2244

Re: How to get rid of palmettos

^ +1 Though the boric acid powder (relatively inexpensive at home depot) works very well by itself, I use a mix of it and a small bit of sugar or cocoa and maybe, food grade diatomaceous earth, which kills a different way. I put it on a piece of paper, or plastic lid, under fridge, back of cabinets...
by wfrobinette
Fri Nov 16, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 58
Views: 3535

Re: which snow blower ?

mggray17 wrote:
Fri Nov 16, 2018 5:34 am
Bought an Ariens 28" SHO, used it last two seasons in NJ.
Not one regret. Ariens!!!!!!!
+1 but I had the 24". Got through 18 inches of wet snow without a hitch.
by wfrobinette
Tue Nov 06, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software: online vs download versions
Replies: 15
Views: 1804

Re: Tax software: online vs download versions

I'm not sure if my memory is correct, or if this concern still applies, but I once had to submit an amended federal income tax a year (or two?) after my initial online submission. When I asked Turbotax how to do it they said "You can't amend a previous year's tax submission with the current year on...
by wfrobinette
Mon Nov 05, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: HMO vs HDHP/HSA. Should I switch?
Replies: 21
Views: 1003

Re: HMO vs HDHP/HSA. Should I switch?

Hello all, I'm fairly new here. After getting to know about beauty of index funds in investing, looking into HDHP along with HSA. Following is the plan info and premium. We are now in HMO plan. Wondering whether we should switch to HDHP/HSA. Please ignore PPO info in the images. As you can see with...
by wfrobinette
Mon Nov 05, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking a balanced, aggressive portfolio
Replies: 25
Views: 1212

Re: Seeking a balanced, aggressive portfolio

jackhensy wrote:
Mon Nov 05, 2018 4:19 pm
The three fund portfolio is great...except I don't like the international stock index.
Dismal returns.

However, the Bond fund looks like it would add some protection.
Then go 80% 500/total stock and 20% bond
by wfrobinette
Mon Nov 05, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: 401k advice [looking for better 401k plan design]
Replies: 3
Views: 501

Re: 401k advice

I am in the process of working with Employer Fiduciary to find a better 401k design for our 35 person practice with 4 docs (High Compensated Employees – HCE’s). Under our current plan, we four HCE’s contribute the $18,500 with a $10,000 match. Under the new plan, we will be able to match with enoug...
by wfrobinette
Mon Nov 05, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12889

Re: Are we in trouble?

Sorry to be blunt. You made the mistake of going to a lower cost of living state and spending 50% more on a home. Plus you're now in a price range that only a few can afford. Drop the price of the CHI home now. Why wait 5 more months to do that? Welcome to new construction. That delay probably won't...
by wfrobinette
Mon Nov 05, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4156

Re: Mice

I have had good luck with these snap traps. https://www.amazon.com/Snap-E-102-0-019-Mouse-Trap-6-Pack/dp/B004B9XPOO/ They are easy to set up. The cheap wood ones from Lowes were trickier to arm and I kept snapping my fingers. I put a couple each in my garage and shed with some peanut butter and tha...
by wfrobinette
Fri Nov 02, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: HMO vs HDHP/HSA. Should I switch?
Replies: 21
Views: 1003

Re: HMO vs HDHP/HSA. Should I switch?

Hello all, I'm fairly new here. After getting to know about beauty of index funds in investing, looking into HDHP along with HSA. Following is the plan info and premium. We are now in HMO plan. Wondering whether we should switch to HDHP/HSA. Please ignore PPO info in the images. As you can see with...
by wfrobinette
Wed Oct 31, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vesting RSUs — does this contribute to a wash sale?
Replies: 12
Views: 885

Re: Vesting RSUs — does this contribute to a wash sale?

Yes. I have shares from three months ago that have significant losses, and new shares vesting shortly. I want to lock in the loss of the previous lot so that I can harvest gains in other securities. Your example is exactly why, I've sold all RSU the day they vest or as soon as my trading window ope...
by wfrobinette
Wed Oct 31, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vesting RSUs — does this contribute to a wash sale?
Replies: 12
Views: 885

Re: Vesting RSUs — does this contribute to a wash sale?

Yes. I have shares from three months ago that have significant losses, and new shares vesting shortly. I want to lock in the loss of the previous lot so that I can harvest gains in other securities. Your example is exactly why, I've sold all RSU the day they vest or as soon as my trading window ope...
by wfrobinette
Wed Oct 31, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3321

Re: USPS - Informed delivery - complain on missing items?

Despite all the complaints here, I am happy with the post office in my area. I am not happy with UPS and FedEx, which seem to respectively think leaving a package at the street, where I can't see it from the house since the garage is in the way, or leaving a heavy package against my outward opening...
by wfrobinette
Tue Oct 30, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Treasure Island or Bally's in Las Vegas
Replies: 32
Views: 2295

Re: Treasure Island or Bally's in Las Vegas

Hi, I will be traveling to LV with young kids. Bally's says it has new rooms which are renovated and looking nice and on other hand Treasure island is also great -both are having good deals. The only downside of Bally's is they are charging $12 a day parking fee while parking is free in Treasure Is...
by wfrobinette
Tue Oct 30, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 35
Views: 4862

Re: water softener for whole house?

Looking for a water softener for house. Please suggest if you have been using any or know any best ones in the market. I can google but would like to know based on experiences. Have you tested water yet? Depends on the hardness one may not need one. I had 4 grains and decided not to do it. Though I...
by wfrobinette
Tue Oct 30, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 35
Views: 4862

Re: water softener for whole house?

Looking for a water softener for house. Please suggest if you have been using any or know any best ones in the market. I can google but would like to know based on experiences. Have you tested water yet? Depends on the hardness one may not need one. I had 4 grains and decided not to do it. Though I...
by wfrobinette
Mon Oct 29, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 2768

Re: IT Career Advancement-What path?

I'm on the Solution and Enterprise Architecture side of IT. Three areas that are popular right now: 1) Data and Analytics (e.g. Big Data, NoSQL databases, Hadoop, data visualization tools) 2) Cyber Security (CISSP certification, etc.) 3) Cloud (Azure and AWS) Are there any areas that interest you? ...
by wfrobinette
Mon Oct 29, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3905

Re: When to get a new toilet?

I just had a plumber recommend to me a new toilet. It was always running, and repairing it has become almost an annual affair. He said my options were either $265 to replace all the innards, or $400 to just replace it with a more modern and efficient toilet (current one is 28 years old). This new o...
by wfrobinette
Thu Oct 25, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2033
Views: 378177

Re: What are you up YTD? [Year To Date]

jfn111 wrote:
Thu Oct 25, 2018 7:11 am
Still up for the year but only 0.67%. International is my biggest loser so far.
International (VTIAX) has been a laggard for 22 years. If you go back to the last peak before crash it's up 8% (including dividends) compared to 230% for VTSAX

I'm starting to wonder why it's needed.
by wfrobinette
Wed Oct 24, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: 401(k) Provider Change - 25 days in cash?!
Replies: 29
Views: 1990

Re: 401(k) Provider Change - 25 days in cash?!

My company is planning to change providers. They are planning to: 1. Lock us out of investment changes for 2 weeks (no problem there) 2. Sell 100% of our investments (ok...makes sense, funds are different) 3. Transfer the assets, place them in a money market, and restrict our participation for 25 d...
by wfrobinette
Wed Oct 24, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: IRS - Anyone deal with you owe us more tax letter?
Replies: 13
Views: 1859

Re: IRS - Anyone deal with you owe us more tax letter?

Regarding my first issue for which my mailed response was never received by the correct department, an agent recommended that additional data are best sent by fax. It is quicker, not just the USPS part but because sending a fax avoids the slow routing of the IRS mail system. The fax number is on th...
by wfrobinette
Tue Oct 23, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: IRS - Anyone deal with you owe us more tax letter?
Replies: 13
Views: 1859

Re: IRS - Anyone deal with you owe us more tax letter?

To keep it short. I received a letter back in July stating I owed more tax(2016) due to a 1099 for they received from a brokerage house from some RSUs I cashed in. Income was reported via w2 and I had no record of that 1099. Also tried to ding me for a Roth roll over. I responded to letter with sup...
by wfrobinette
Tue Oct 23, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: IRS - Anyone deal with you owe us more tax letter?
Replies: 13
Views: 1859

Re: IRS - Anyone deal with you owe us more tax letter?

To keep it short. I received a letter back in July stating I owed more tax(2016) due to a 1099 for they received from a brokerage house from some RSUs I cashed in. Income was reported via w2 and I had no record of that 1099. Also tried to ding me for a Roth roll over. I responded to letter with sup...
by wfrobinette
Mon Oct 22, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 147
Views: 16684

Re: Total Bond Market Fund - interest rates rising!

“Better” is a hard term to define, at times A CD in taxable versus Total Bond in deferred might well be worse in the end. While CDs are guaranteed by the FDIC, they often come with a surrender charge if you need the money before the term is up. Bond funds can be sold quickly. A CD at a bank require...
by wfrobinette
Mon Oct 22, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRS - Anyone deal with you owe us more tax letter?
Replies: 13
Views: 1859

IRS - Anyone deal with you owe us more tax letter?

To keep it short. I received a letter back in July stating I owed more tax(2016) due to a 1099 for they received from a brokerage house from some RSUs I cashed in. Income was reported via w2 and I had no record of that 1099. Also tried to ding me for a Roth roll over. I responded to letter with supp...
by wfrobinette
Mon Oct 22, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8725

Re: Quitting w/o notice

No kidding! Now he's posted it in a public forum as well. Is your complaint that he's posted a story directly relevant to the thread? Seems quite relevant too, as it shows that there are indeed people out there who will get back at you later, which is another good reason to not burn bridges. Even i...
by wfrobinette
Mon Oct 22, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 23
Views: 2148

Re: Pet Insurance company recommendation

I am considering getting insurance for my puppy at either Healthy Paws or Trupanion. I would appreciate any feedback on either insurance company, particularly with them covering genetic issues, such as hip dysplasia, etc. If insurance is involved, money will be an object for them. If your vet says ...
by wfrobinette
Mon Oct 22, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3540

Re: Lost Power for 24 hours - what food to toss?

We have been literally eating soil, mixed with excrement, raw muscle meat, raw organs, etc. for millions of years. People honestly think that a couple hundred years of refrigeration or 100 years of being overly sanitary has killed our genetic and evolutionary adaptation to eat raw and soiled food? ...
by wfrobinette
Mon Oct 22, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5224

Re: What to do with >$1000 in Amazon credits?

It bugs me to see this money sitting there earning nothing now that interests rates are going above 2%, and at this rate it will take me 2-3 years to spend it down. At the same time, I don't want to spend it on things I don't need or things I can get cheaper elsewhere like at Wal-Mart or eBay. Anyo...
by wfrobinette
Mon Oct 22, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8725

Re: Quitting w/o notice

If so I would at least create a transition plan to hand over to your boss when you quit. Why? Professional reference down the road Overrated and unavailable. 100% of the co-workers who are with the same (former for me) companies that have served with me WILL not provide professional references beca...
by wfrobinette
Mon Oct 22, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8725

Re: Quitting w/o notice

Someone did it to me when I was a manager once - left me suddenly and without a hand-off. I never forgot it - didn't matter how good he was - I just remembered him as the guy that suddenly quit without reason. I've seen the guys resume at 3 different jobs I've worked at since and blocked him from b...
by wfrobinette
Mon Oct 22, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8725

Re: Quitting w/o notice

I would strongly +1 the suggestion to take FMLA instead of immediately resigning. From https://www.dol.gov/whd/fmla/: The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance co...
by wfrobinette
Mon Oct 22, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8725

Re: Quitting w/o notice

It is very poor form if you expect to return to the job market. My company has a policy that says “no recommendation” for someone who leaves without proper notice and an exit interview. So it can impact you down the road. I’m so glad my company has a policy of “no recommendation” in any case! Most ...