Search found 711 matches

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: 19
Views: 1760

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: 3750

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: 2130

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: 41
Views: 1841

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: 1778

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: 985

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: 1184

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: 493

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: 12687

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: 4107

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: 985

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: 861

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: 861

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: 3242

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: 2271

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: 4763

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: 4763

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: 2712

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: 3868

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: 2001
Views: 372373

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: 1974

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: 1836

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: 1836

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: 1836

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: 16566

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: 1836

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: 8654

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: 2057

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: 3522

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: 5199

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: 8654

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: 8654

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: 8654

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: 8654

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 ...
by wfrobinette
Mon Oct 01, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16013

Re: iPhone XS Max

finite_difference wrote:
Sun Sep 30, 2018 2:21 pm
They really should bump minimum storage from 64GB to 128GB. At least the $100 upgrade goes to 256GB though.
Sales guy tried to talk me down to 64gb. With the LTE speeds increasing and 5G on the horizon the cloud may be were most things are stored even for mobile devices.
by wfrobinette
Mon Oct 01, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16013

Re: iPhone XS Max

I always find it funny when people get all uppity about the new iPhones. The fact is that the phone is likely the number 1 used piece of equipment/device/accessory/etc. by nearly everyone in the country besides their bed. If you think it is too expensive just buy a cheaper alternative, but don’t co...
by wfrobinette
Mon Oct 01, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16013

Re: iPhone XS Max

theplayer11 wrote:
Sat Sep 22, 2018 6:24 pm
still confused how a few milliseconds faster matters to most people...yet so many use this argument. IMO is just a justification to buy the new shiny toy.
It's also water resistant to 2 M.
by wfrobinette
Mon Oct 01, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16013

Re: iPhone XS Max

They're the most valuable company on the planet for a reason! $1100 for a smart phone is just ludicrous for a lot of people. That's MacBook territory. I'm interested to see if the "cheapo" version (iPhone Xr: $750) sells better. Lots of consumer psychology in how to choose. I think for quite a few,...
by wfrobinette
Thu Sep 27, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4353

Re: Ventilated car seats?

RobLyons wrote:
Sun Sep 23, 2018 6:29 pm
It's just a marketing ploy. Nothing more effective then putting the windows down or normal AC
I respectfully disagree.Ventilated seats keep the boys cool and dry.
by wfrobinette
Wed Sep 26, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3963

Re: First-time victim of credit card fraud

We have a card compromised every year or two. My defense is to have all of my recurring charges go against a card that we never use. The solution isn't perfect, but that card has never been compromised and that saves me the hassle of updating all of those recurring charge accounts. It seems like tw...
by wfrobinette
Wed Sep 26, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3963

Re: First-time victim of credit card fraud

One was for a single dollar (tester) and then another for about $160 at a SAM's Club the same day. I wonder if they were clever enough to use their personal sam's membership card to make the purchase :D In 1992, I had someone use my CC and order 2K worth of stuff from JC Penny or Sears and had it s...
by wfrobinette
Mon Jul 02, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 69
Views: 6537

Re: Chipmunk problem

Rat poison in the holes. The green cube stuff. One cube per hole. Controls problem for a few weeks. I have a patio that is being tunneled under, and fear it will eventually collapse. So I am not gentle with the little beasts. I started with the traps, which made everyone feel good, but just weren’t...
by wfrobinette
Mon Jul 02, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 69
Views: 6537

Re: Chipmunk problem

Rat poison in the holes. The green cube stuff. One cube per hole. Controls problem for a few weeks. I have a patio that is being tunneled under, and fear it will eventually collapse. So I am not gentle with the little beasts. I started with the traps, which made everyone feel good, but just weren’t...
by wfrobinette
Mon Jul 02, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 69
Views: 6537

Re: Chipmunk problem

Farnum is my new friend. I use a putty knife to cut the blocks into 1/4's. End of block, pushing down works best. Blocks disappear and so does the problem. I treat every 3 days. Much better than chipper dipper. Chipper dipper is a better solution than what you're doing at least there will be no acc...
by wfrobinette
Mon Jul 02, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 31
Views: 3576

Re: Recommend airline luggage fitting in overhead bin?

Leave it to the boglehead forums to take a simple question and complicate it to the nth degree. First of all: you don't want a four wheel spinner. They are junk, and the wheels are garbage. Sorry, but I can't give you info about those, as I don't use them. I have, and would recommend, Eagle Creek. ...
by wfrobinette
Fri Jun 22, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: What do we mean when we say "HCOL vs LCOL" location?
Replies: 34
Views: 2951

Re: What do we mean when we say "HCOL vs LCOL" location?

OP, In my opinion, HCOL is the word that someone used to overspend on the house and be "House Poor". This word always shows up when someone wants to buy an expensive house. KlangFool Not always true. 699k for 2800 sqft is HCOL when the same houses could be had for 340k in another area. I've been in...
by wfrobinette
Fri Jun 22, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 60
Views: 6347

Re: Severance Package Question

One thing you could consider asking for is outplacement services if you think you’ll need them. I wouldn’t try to “negotiate” for them - I would just ask politely in the form a question of whether they will be provided, because you don’t have any leverage. Often companies are happy to help their em...
by wfrobinette
Fri Jun 22, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 60
Views: 6347

Re: Severance Package Question

The company I work for acquired by private equity firms last year and today I was laid off. Company size is ~$700M in revenue and my location was in the Northeast. I was at a Director level which is one level below VP (Business Unit Heads are SVPs). I worked for them for just shy of 3 years, perfor...
by wfrobinette
Fri Jun 22, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9448

Re: Which Supermarket are you?

What supermarkets do you Boggleheads go to and do most of your grocery shopping. Do you believe in the Organic hype and only shop at Whole Foods or do you go to Trader Joes for the cheaper alternative? Looking at making a decision on what supermarket i should ultimately be shopping at. I believe th...
by wfrobinette
Wed Jun 13, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 2996

Re: Chipmunk Repellent?

pfrank wrote:
Tue Jun 12, 2018 7:27 am
The 5-gal bucket and sunflower seed trap works great. It’s simple and effective!

It is illegal in many states (including mine) to relocate wildlife from your property.
It's illegal in mine to drown. Only acceptable humane(instant death) kills are legal if they are destroying property.