Search found 594 matches

by Strayshot
Sun Nov 10, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 27
Views: 1627

Re: New thermostat for mid-late 70’s parents?

Hi everyone, really appreciate all of the feedback so far! The requirements are tough, because honestly no matter what I do they will likely find a reason to complain but I would like it to be a smaller amount of complaining than with the current thermostat. I know my mom likes the touchscreen becau...
by Strayshot
Sat Nov 09, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 27
Views: 1627

Re: New thermostat for mid-late 70’s parents?

Also, I found this:

https://smartthermostatguide.com/c-wire ... er-review/

Which seems to add a c wire if none exists? Will that work?
by Strayshot
Sat Nov 09, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 27
Views: 1627

Re: New thermostat for mid-late 70’s parents?

Key piece of information missing --- Does the current thermostat have a C-wire? Without it, many high-end thermostats will not work Good question! It is a Hunter set n save 1, but that probably doesn’t help.........if it doesn’t have a c wire, what are my options? Unlikely they pulled any additiona...
by Strayshot
Sat Nov 09, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 27
Views: 1627

New thermostat for mid-late 70’s parents?

Hi Bogleheads, My parents are mid-late 70’s and need (want actually, current one works fine but is like 30 years old) a new thermostat. Something highly visible, touchscreen, easy to use once it is all set up (I will install and set it up). They don’t care about WiFi, app control, etc although prett...
by Strayshot
Tue Oct 22, 2019 7:20 am
Forum: Personal Investments
Topic: Investing in equities in EDJ as cheaply as possible
Replies: 21
Views: 1338

Re: Investing in equities in EDJ as cheaply as possible

If you are powerless to deal with how some idiot EJ salesman has you invested because you are beholden to his possible court testimony, why do you even care? Just let them do what they want with your money until the house sells and then deal with it. Pretty much you are paying the EJ salesman a tax ...
by Strayshot
Tue Oct 22, 2019 7:14 am
Forum: Personal Investments
Topic: Just starting out, baby on the way status check
Replies: 20
Views: 1499

Re: Just starting out, baby on the way status check

Baby on the way - do you have life insurance and disability insurance? Drive a car?, make sure you get an umbrella policy too - your incomes and occupations make you a fat target. Thanks for the advice. We did both recently set up life insurance. My wife gets disability through her employer. I've b...
by Strayshot
Sun Oct 20, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing $160k Law School Student Loan
Replies: 13
Views: 1519

Re: Refinancing $160k Law School Student Loan

Why is it that 3k/mo payments make you uncomfortable if you have been paying 3-4K and are getting a 10% raise? I think you are putting too much weight on negligible “student loan” benefits (which also come with the not-discharged-in-bankruptcy “benefit”). Though I think I have a decent reputation a...
by Strayshot
Sun Oct 20, 2019 8:57 am
Forum: Personal Investments
Topic: Advice for friend - lots of loads and high ER yet good returns
Replies: 37
Views: 2504

Re: Advice for friend - lots of loads and high ER yet good returns

Yes, it is highly likely he is paying an AUM fee to the advisor. Even if the funds manage to outperform approximately by their expense ratio, why take that risk when so many alternatives are available? Remember that the front-load not only puts each fund significantly behind any non-load peers at th...
by Strayshot
Sat Oct 19, 2019 7:33 am
Forum: Investing - Theory, News & General
Topic: Investing for the "great sag" - Dalio
Replies: 65
Views: 10360

Re: Investing for the "great sag" - Dalio

I think Ray Dalio wrote an excellent book in “Principles” and that he is a savvy businessman, so I respect his opinions. The reality is that I weight his predictions just as much as everybody elses, which is to say they have no weight at all in my actions. Philip DeMuth is much smarter, with a focus...
by Strayshot
Sat Oct 19, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing $160k Law School Student Loan
Replies: 13
Views: 1519

Re: Refinancing $160k Law School Student Loan

Why is it that 3k/mo payments make you uncomfortable if you have been paying 3-4K and are getting a 10% raise? I think you are putting too much weight on negligible “student loan” benefits (which also come with the not-discharged-in-bankruptcy “benefit”). I was happy with my SoFi refinance, paid off...
by Strayshot
Thu Oct 17, 2019 9:31 pm
Forum: Personal Investments
Topic: Fidelity's default tax lot selection
Replies: 12
Views: 868

Re: Fidelity's default tax lot selection

I could see a situation where tax sensitive would actually sell some long term shares before some short term shares depending on the gains on the various long and short term lots, whereas the tax sensitive short term forces sale of all short term lots before engaging long term lots.
by Strayshot
Thu Oct 17, 2019 7:35 am
Forum: Personal Investments
Topic: Fidelity's default tax lot selection
Replies: 12
Views: 868

Re: Fidelity's default tax lot selection

I use tax sensitive, because accidental short term gains kills me due to current tax rate. In retirement I will change to specific lots so I can tailor gains impact.
by Strayshot
Thu Oct 17, 2019 7:33 am
Forum: Personal Investments
Topic: Fidelity's default tax lot selection
Replies: 12
Views: 868

Re: Fidelity's default tax lot selection

The impact will be short term vs long term capital gains. Tax sensitive is to minimize gains, while high cost is purely on cost basis (which may or may not include gains timing by the 1 year mark)
by Strayshot
Fri Oct 11, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Offered 18-Month, 0% interest loan w/2% fee. Should I take the loan and invest or pass on the offer?
Replies: 72
Views: 5280

Re: Offered 18-Month, 0% interest loan w/2% fee. Should I take the loan and invest or pass on the offer?

And if you pay towards mortgage, where will you get the capital to pay off the loan when it is due in 1.5 years? I get credit card balance transfer offers like this all the time. If you can find a fixed income investment that pays a roughly equal interest rate you still lose because of taxes. At mos...
by Strayshot
Fri Oct 11, 2019 4:37 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 86
Views: 8994

Re: Fidelity to $0 Commissions

Ferdinand2014 wrote:
Thu Oct 10, 2019 1:05 pm
Next thread is when someone offers to pay you to trade.
This already exists, they are called options.
by Strayshot
Thu Oct 10, 2019 8:55 pm
Forum: Investing - Theory, News & General
Topic: If Charles Schwab et al. drop commissions to zero, can we build our own index funds?
Replies: 68
Views: 7312

Re: If Charles Schwab et al. drop commissions to zero, can we build our own index funds?

At current expense ratios in the .02% range for index funds, you would need millions of dollars to come close to making this remotely worth your time.
by Strayshot
Thu Oct 10, 2019 8:46 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15985

Re: How many are switching from Fidelity?

That said, they will be forced to go to no-fee trades eventually. Fidelity can pretend they won’t, but the marketing perception alone will make them. Why would they have started the 0 funds? The difference between .05 and 0 is negligible for expense ratio and still they started those funds vs the c...
by Strayshot
Sun Oct 06, 2019 10:42 am
Forum: Personal Investments
Topic: Teacher received an inheritance, seeking advice
Replies: 28
Views: 3355

Re: Teacher received an inheritance, seeking advice

OP would need to weigh the state tax deduction and tax free growth of the 529 against taxable investing for the kids education (which will possibly be tax free depending on tax bracket when they need the funds, might be 0% capital gains). If OP pays off debt and doesn’t incur more via a new mortgage...
by Strayshot
Sun Oct 06, 2019 8:55 am
Forum: Personal Investments
Topic: Teacher received an inheritance, seeking advice
Replies: 28
Views: 3355

Re: Teacher received an inheritance, seeking advice

Welcome! Consider using the $92k inheritance: 1. $19k to pay off the student/auto loans 2. $6k to a spousal Roth IRA for 2019 3. $12k to both Roth IRAs in January 2020 4. $10k each to 529 accounts for 2 children; for the state tax credit/deduction you can carry forward the amount above $4,865 for 4...
by Strayshot
Sat Oct 05, 2019 9:17 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15985

Re: How many are switching from Fidelity?

It’s a non issue for me, I have a bunch of free trades at Fidelity anyways but really don’t make more that 30 or so transactions a year. I think Fidelity offers the complete package and wouldn’t move for something this trivial. That said, they will be forced to go to no-fee trades eventually. Fideli...
by Strayshot
Tue Sep 24, 2019 6:56 am
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9585

Re: Physical activity suggestions for a non athletic youth

The best exercise is the kind you like and can stick with, I applaud that you continue to try and find that for your son. If he might like weightlifting, go for it! I hate cardio except for cycling and love weights, and having more muscle burns more calories, so might help balance things out if the ...
by Strayshot
Sat Aug 31, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Co-sponsoring an immigrant's sick family member [Updated]
Replies: 47
Views: 4671

Re: Co-sponsoring an immigrant's sick family member

There is absolutely no way I would do this.
by Strayshot
Fri Aug 30, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Which car to sell?
Replies: 15
Views: 1117

Re: Which car to sell?

How long is the Lexus lease? Are you going to buy it after? Unless you need something AWD/4WD, I can’t rationalize a scenario for not keeping the civic. Under warranty, better gas mileage, etc than the rav4. If you aren’t keeping the Lexus, it may make sense to just hold on to everything. I wouldnt ...
by Strayshot
Fri Aug 23, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Manager is Interviewing Candidates (External) before Job is posted
Replies: 57
Views: 5881

Re: Manager is Interviewing Candidates (External) before Job is posted

If a job hasn’t been posted and people haven’t applied, your manager isn’t interviewing anyone. Lots of time if a manager knows a position will be available, they will start talking to potential applicants and there is nothing wrong with doing so to widen the potential candidate pool. If the manager...
by Strayshot
Wed Aug 21, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: When to "follow up" with colleague about job prospect
Replies: 19
Views: 1190

Re: When to "follow up" with colleague about job prospect

Why would you wait months to contact someone? Who you work for is a huge element of job satisfaction. She should reach out immediately, mention she will always be grateful for his mentorship and that she enjoyed working for/with him, and say that if there are employment opportunities available she w...
by Strayshot
Wed Aug 21, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Quicken update headaches
Replies: 20
Views: 1546

Re: Quicken update headaches

I can’t offer any help because I got the same patch and it went off without a hitch. I would say that if you are manually putting in transactions when there are download options available, you are wasting a lot of your time. If it is a personal preference so be it, but I can’t imagine manually enter...
by Strayshot
Sun Aug 04, 2019 8:29 am
Forum: Personal Investments
Topic: Not sure I could FIRE...boredom might ensue...
Replies: 30
Views: 4056

Re: Not sure I could FIRE...boredom might ensue...

I really don’t get the whole FIRE thing. Other than being good blog and documentary fodder, I agree with others in this thread that most people in who have the option of FIRE would see it as a horrible and boring. Most?! :? Yes, most. Like a term that implies a large-ish percentage of the populatio...
by Strayshot
Sat Aug 03, 2019 4:43 pm
Forum: Personal Investments
Topic: Not sure I could FIRE...boredom might ensue...
Replies: 30
Views: 4056

Re: Not sure I could FIRE...boredom might ensue...

I really don’t get the whole FIRE thing. Other than being good blog and documentary fodder, I agree with others in this thread that most people in who have the option of FIRE would see it as a horrible and boring. Just keep doing what you are doing and look for the next thing that gets you excited! ...
by Strayshot
Sat Aug 03, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Dept Outsourced - Job Worries - Need your Advises
Replies: 69
Views: 7285

Re: Dept Outsourced - Job Worries - Need your Advises

Look at this like a giant opportunity.

I am not sure what California you are living in, but in the California I am aware of people who can spell docker, kubernetes, and jenkins all make 200k+ and have headhunters spamming them on LinkedIn.
by Strayshot
Sat Aug 03, 2019 4:26 pm
Forum: Investing - Theory, News & General
Topic: The birds and the bees. Why not bequests?
Replies: 9
Views: 1922

Re: The birds and the bees. Why not bequests?

Didn’t read the article. When my kiddo gets out of gradschool, I will reveal to them that they are the sole benefactor of both sets of grandparents as well as the bank of mom and dad, and that they will never need to work another day in their lives. This will happen on April 1. I will then refuse to...
by Strayshot
Thu Aug 01, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: Day care vs nanny for child care
Replies: 62
Views: 3701

Re: Day care vs nanny for childcare

The “best” childcare is the situation that works well for the parents. In-home vs nanny vs daycare too many variables to say any one is better than any other. For <1.5 years, in-home and nanny worked best for us. For >1.5 years a high quality daycare (high quality means educational curriculum, small...
by Strayshot
Mon Jul 29, 2019 8:42 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 8071

Re: My Fido retirement meeting pushing me to SMA

The most concerning element of this thread is that OP stated he or she has an account at Edward Jones.

OP, you need to worry a lot less about a sales pitch from Fidelity and a lot more about what the criminals at EJ are already stealing from you.........
by Strayshot
Sat Jul 27, 2019 8:01 am
Forum: Investing - Theory, News & General
Topic: One bad decision - examples?
Replies: 67
Views: 7299

Re: One bad decision - examples?

Borrowed money on 0% credit card balance transfers to invest in a company that went bankrupt. Took out a HELOC to pay off the credit card bills. Paid off the HELOC over time. In today’s dollars, it was maybe a $200k mistake after considering the 3k tax write off every year. If I hadn’t had the home ...
by Strayshot
Thu Jul 25, 2019 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Feel like we are spinning our wheels (financially speaking). How far behind are we?!
Replies: 63
Views: 6908

Re: Feel like we are spinning our wheels (financially speaking). How far behind are we?!

I think your biggest issue is that the money you keep saving for a down payment is money that could have been participating in the longest bull market run to date, but instead is making fixed income rates (probably 1-2% average). In this way your dream for a property is negatively impacting your ret...
by Strayshot
Tue Jul 23, 2019 9:03 pm
Forum: Personal Investments
Topic: Update from when you helped this physician newbie
Replies: 72
Views: 9017

Re: Update from when you helped this physician newbie

I don’t get what is with all these “increase your income you are a physician” responses. He makes good money as a teledoc with super low stress. I don’t see the problem. A clinician who doesn’t have to have physical contact with patients is probably a heck of a lot healthier. The main issue is budge...
by Strayshot
Thu Jul 11, 2019 7:40 am
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 19270

Re: How much should I have saved for retirement by age 40?

I have never found a lot of value in the relationship between age and savings for retirement because there are far too many variables and individual circumstances to make them meaningful. I think that (assuming the investor has determined a reasonable asset allocation for their risk tolerance and re...
by Strayshot
Tue Jul 09, 2019 8:52 pm
Forum: Personal Investments
Topic: 34yo, baby on way, leaving expensive financial advisor... Please Help!
Replies: 27
Views: 2792

Re: 34yo, baby on way, leaving expensive financial advisor... Please Help!

What kind of family would point someone to a criminal robbing them of 1.75% AUM? Wow. Or did you mean family in the mafia sense of the word? Congrats on fatherhood kicking you in the pants and taking control of your finances. I can’t add much other than to remember to look at your asset allocation a...
by Strayshot
Fri Jul 05, 2019 10:17 pm
Forum: Personal Investments
Topic: I'm beside myself about my dad's investment account
Replies: 32
Views: 5762

Re: I'm beside myself about my dad's investment account

Sounds like he is in fixed income and getting 1-3% over the last few years minus what is probably 1%+ for the “advisor”. Fire the advisor and double your return.
by Strayshot
Wed Jul 03, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 141
Views: 15392

Re: Staying the course is so hard (support thread)

So you want to stay locked in to working all the time so you can pay for a nice large house that you are never at?

Finance aside, this seems unappealing.

Edited to add that if you are feeling cramped in a 2400 sq ft house you may want to reevaluate your stuff that is taking up space..........
by Strayshot
Mon Jul 01, 2019 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Intentional Divorce to avoid Marriage Penalties in tax code?
Replies: 54
Views: 5208

Re: Intentional Divorce to avoid Marriage Penalties in tax code?

I can’t fault anyone for thinking this way because I once thought this way. The introduction of the TCJA and elimination of the largest “marriage penalty” in the large discrepancy between progressive taxation rates single vs married was enough to satisfy me and table the issue from further considera...
by Strayshot
Tue Jun 25, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Favorite mountain lodge destinations in the west?
Replies: 49
Views: 4578

Re: Favorite mountain lodge destinations in the west?

No idea if it is a days drive from Portland, but the Lake Quinalt Lodge in Olympic is absolutely amazing. Great food, very peaceful and scenic. I went in 2010 and am dying to go back......
by Strayshot
Sun Jun 23, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Marriott Bonvoy Bold Card
Replies: 9
Views: 979

Re: Marriott Bonvoy Bold Card

I agree with other posters that if you are going to get a Marriott card, get the annual free night that more than makes up for the annual fee. I don’t actually use any of my chase or Amex Marriott cards for any spending as I get more value out of other cards (sapphire reserve and citi prestige) for ...
by Strayshot
Sun Jun 23, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 5638

Re: Do you Casino? What do you play? Have you won?

Love to play craps. Played my first Vegas craps game when I was 21. And I've continued playing for 40+ years. I love the thrill of the table. You don't have to wager a lot to get that thrill. I was a math major, so yes, I understand the odds. Perfectly. That's part of the thrill. I don't gamble oft...
by Strayshot
Sat Jun 15, 2019 9:04 am
Forum: Personal Investments
Topic: Inheritance quadrupled my portfolio--I need advice
Replies: 13
Views: 3127

Re: Inheritance quadrupled my portfolio--I need advice

If you need 100k a year and have $5M, you can put it in a money market account at 2% and have more than you’ll ever need and you will preserve principal. For that matter, if you need 100k a year and have $5M, you have enough to last you the rest of your life with no real returns on principal (nobody...
by Strayshot
Mon Jun 10, 2019 7:14 am
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 15363

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

Don’t pull a Paul Walker! Someone earlier commented that you should start at the top. I disagree. I would find something with mainstream dealer (and parts) support but still a sports car, maybe an Acura NSX or an Audi R8 or a Nissan GTR. Buy new and under warranty, beat it up learning to drive, and ...
by Strayshot
Sun Jun 09, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: How to start outsourcing?
Replies: 21
Views: 2196

Re: How to start outsourcing?

[Reply to off-topic remark deleted -- moderator oldcomputerguy] For OP: I agree with others that getting a trainer (expect to pay 1-2$ per minute of that trainers time, so sessions will cost 30-60 dollars per half hour) is valuable. Worked for me, kept things interesting, gave me an automatic gym b...
by Strayshot
Mon Jun 03, 2019 7:01 am
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 14945

Re: You May Never See Your Grandchildren Again

I would say I’m shocked but...............I’m not. At all.

A good reminder that the primary service offered by the financial services industry is to separate you and your money as efficiently and effectively as possible.
by Strayshot
Sat Jun 01, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Fidelity account download [not working]
Replies: 9
Views: 717

Re: Quicken Fidelity account download

Yes something is broke. It isn’t affecting their 401k side of the house, only brokerage/IRA/etc at Fidelity proper.
by Strayshot
Tue May 28, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Need to go back to school, but afraid to stop working?
Replies: 8
Views: 879

Re: Need to go back to school, but afraid to stop working?

I’m with everyone else, you seem like a perfect candidate for a non-traditional graduate degree path. I would not stop working to pursue higher education, I would do classes after work and on weekends as well as over the summer (should work out well if your summer break correlates with a university ...
by Strayshot
Fri May 24, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Should I buy my leased Subaru Outback?
Replies: 18
Views: 889

Re: Should I buy my leased Subaru Outback?

You “feel” it is overpriced or you “know” it is overpriced? The former is an emotional state with no basis in data, and the latter is a logical state where you have used autotrader.com, eBay.com, and various bluebook sites to look at the distribution of prices for the same vehicle trim, year, and mi...