Search found 3616 matches

by greg24
Tue Nov 19, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Deferral of Salary
Replies: 6
Views: 1066

Re: Deferral of Salary

Someone asked a similar question recently, and the main danger seemed to be that the company would go bankrupt and not be able to pay.
by greg24
Tue Nov 19, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tap to pay problem (credit card)
Replies: 2
Views: 314

Re: Tap to pay problem (credit card)

The internet tells me NFC can work up to 4 inches. If you had your wallet in your hand while operating the credit card, it could be in that range.

Maybe you need one of those anti-NFC wallets.
by greg24
Tue Nov 19, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Why are most insurance products to protect against catastrophe but vision & dental insurance are for ordinary use?
Replies: 42
Views: 3218

Re: Why are most insurance products to protect against catastrophe but vision & dental insurance are for ordinary use?

The older I get, the more I realize that things happen as "historical accident".

They just get started that way by accident, and intertia keeps it that way.
by greg24
Mon Nov 18, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 54
Views: 5771

Re: Disney plus streaming deal

I scoff at DVD purchasers. Why would I buy a DVD when I already own it on VHS?
by greg24
Mon Nov 18, 2019 12:04 pm
Forum: Personal Investments
Topic: Just noticed my credit unions cd rates are cut in half?
Replies: 6
Views: 782

Re: Just noticed my credit unions cd rates are cut in half?

Rates have been dropping. Perhaps your CDs rolled over and auto-renewed at a lower rate.
by greg24
Thu Nov 14, 2019 4:24 pm
Forum: Investing - Theory, News & General
Topic: SP500 is very top heavy right now
Replies: 134
Views: 11218

Re: SP500 is very top heavy right now

"right now"?
by greg24
Thu Nov 14, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 64
Views: 6404

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

Thank you all for the feedback and multiple perspectives, the short answer is that I do want return. My old company seems very open to the idea of my return, I am not sure when/if I will receive an official offer to go back, but it could be soon. Congrats and good luck!! I agree with those who sugg...
by greg24
Tue Nov 12, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 29
Views: 1808

Re: Experience/cost MLB spring training?

Going to Nationals games next Spring will be the most expensive Spring Training games they'll ever play. Maybe wait until 2021 if price matters.
by greg24
Mon Nov 11, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Splitting fence cost with neighbor
Replies: 53
Views: 5089

Re: Splitting fence cost with neighbor

Hey folks - lot of helpful info here, but hoping I can get some input on a curious sitch I found myself in. I just moved into a new construction subdivision. Our house is surrounded by homes on all sides and all 3 sides of the fence were built within the last year, i.e. before we were even looking ...
by greg24
Mon Nov 11, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2280

Re: Tech guys need help with Mesh wifi booster...

The OP has a modem. He can simply turn off the WiFi on it, or leave it on and name the Mesh network something else, as has been already pointed out. The OP has a combo modem/router/WAP. Which unit should provide NAT and DHCP, the gateway or the mesh? Turning off the wifi probably won't solve that. ...
by greg24
Mon Nov 11, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2280

Re: Tech guys need help with Mesh wifi booster...

Get the MESH (any, Google wifi is a great one), and call it a day. And use what for a modem? That was the question. The OP has a modem. He can simply turn off the WiFi on it, or leave it on and name the Mesh network something else, as has been already pointed out. The OP has a combo modem/router/WA...
by greg24
Mon Nov 11, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Mobile finance apps - do you use them?
Replies: 22
Views: 1065

Re: Mobile finance apps - do you use them?

I have our local bank's app, as we use it to deposit checks and other day-to-day transactions.

I don't see any real advantage to a Vanguard app on my phone, so I avoid the slight risk and do not install it.
by greg24
Mon Nov 11, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2280

Re: Tech guys need help with Mesh wifi booster...

Google Wifi is a piece of cake to setup. You'll be up and running with a mesh network in about 15 minutes. You can leave your old network on, just give the new network a new name.
by greg24
Thu Nov 07, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 780

Re: Car accident, insurance questions

One possibility - if you are ready, willing and able to do so - is to physically go to the insured's home address and knock on the door. Or, perhaps go to the insured's place of work and ask to see him/her. The person is avoiding their insurer because they are at fault. I do not expect them to reac...
by greg24
Thu Nov 07, 2019 10:27 am
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5636

Re: The hidden cost of Fidelity’s ZERO funds

If the dividend just lowers the NAV, why do index funds pay dividends?

They could just retain all dividends and be more tax-efficient.
by greg24
Thu Nov 07, 2019 10:16 am
Forum: Personal Investments
Topic: Am I on right track?
Replies: 16
Views: 674

Re: Am I on right track?

Either attack the CC. Or put more into your 401k. Driving yourself into a lower tax bracket is a good thing, and not a reason to avoid the 401k.
by greg24
Thu Oct 31, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Layoff: Need Assurance That We Will Be Okay
Replies: 153
Views: 12552

Re: Possible Layoff: Need Assurance That We Will Be Okay

OP: This may be the greatest thing that ever happened to you.
by greg24
Thu Oct 31, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make more money with my accounting degree?
Replies: 29
Views: 3000

Re: How do I make more money with my accounting degree?

The OP is willing to work 50 hours a week at a medium stress job. They never mentioned coasting.

I don't think 50 hours a week at a medium stress job is coasting. Three posters have used the term "coast". Y'all need to back off.
by greg24
Tue Oct 29, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8244

Re: Wallets [Do you carry a wallet?]

Keys, slim wallet, phone. Front pockets.
by greg24
Tue Oct 29, 2019 1:43 pm
Forum: Personal Investments
Topic: I’m done with index funds
Replies: 201
Views: 20598

Re: I’m done with index funds

Choosing a click-bait thread title sure did work.
by greg24
Fri Oct 25, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 3863

Re: HVAC fan ON or auto?

We have left ours in the ON position for years and years at this point. We need it for more uniform temperature in the house. I didn't notice a power consumption change when we went from AUTO to ON. Our power provider says we are an efficient home, meaning we have lower energy usage than 80% of the ...
by greg24
Fri Oct 25, 2019 9:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208644

Re: U.S. stocks continue to soar!

Most of the time I see this thread bump up, the market is flat or slightly up.

Y'all need to improve your game.
by greg24
Thu Oct 24, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance worth it?
Replies: 11
Views: 642

Re: Refinance worth it?

Have you considered making a $2100 principal payment? Immediately reduce the amount owed, reduce your long term interest paid, and it is by far the easiest choice. A refi resets your 30 year clock. A principal payment would keep your term at 27 years, and actually reduce the payment schedule so it'l...
by greg24
Thu Oct 24, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Part time job (20h/wk) - how to shield income from taxes?
Replies: 36
Views: 2306

Re: Part time job (20h/wk) - how to shield income from taxes?

If you aren't already maximizing your 401k, do it now.
by greg24
Thu Oct 24, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard checking -- Use it or lose it
Replies: 71
Views: 5417

Re: Vanguard checking -- Use it or lose it

Email is not a lossless protocol. There are some emails that never arrive at their destination. A huge chunk get sent to junk or spam folders. If Vanguard depends on email to communicate important unilateral account changes, the blame is entirely on them. Their customer service just gets worse and w...
by greg24
Wed Oct 23, 2019 1:44 pm
Forum: Investing - Theory, News & General
Topic: "Dogs of the Dow" in a Roth IRA with Zero Commissions
Replies: 52
Views: 3374

Re: "Dogs of the Dow" in a Roth IRA with Zero Commissions

This is a great strategy, but using only 5% of your portfolio won't impact your overall returns much.

I would do it with 50% of my portfolio.
by greg24
Mon Oct 21, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: [Paul Merriman: This strategy beats a total stock market fund]
Replies: 173
Views: 13455

Re: Paul Merriman article

He may not have mentioned SCG on his podcast, but the linked article we are discussing includes these quotes: "The four most important U.S. equity asset classes are large-cap growth, large-cap value, small-cap growth, and small-cap value." "But here’s an even better idea for the equity part of your ...
by greg24
Mon Oct 21, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: My husband says I can retire. Is he right?
Replies: 45
Views: 6218

Re: My husband says I can retire. Is he right?

I agree with others that you're in a good spot, or on the edge of a good spot. If you aren't quite comfortable with retiring, you could work One More Year. Knowing that you could quit at any time could make your stressful job a lot easier to handle. If you get 6 months in and just can't handle it, g...
by greg24
Fri Oct 18, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10057

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

By the way, when I was working, none of the hardcore IT guys used Apple computers. Apple computers used to be for artsy creative people and desktop publisher types who didn't understand computers. The IT guys tolerated Windows and worshiped Linux. Android is based on Linux. MacOS is based on BSD. W...
by greg24
Thu Oct 17, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10057

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I've had 4 brand new iPhones over the last 10 years, and paid a total of roughly $1000 for the experience. $100 per year on phone hardware is a pretty cheap price. I'm sure I can find $100 of complete waste in everyone's spending habits over the course of a year. The few people I know with Androids ...
by greg24
Wed Oct 16, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4467

Re: Good camera system to watch the babysitter

Is it legal in your state to secretly video tape an employee? A minor employee? Or I guess he/she would be an independent contractor.
by greg24
Fri Oct 11, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 93
Views: 7715

Re: Vanguard keeps pushing their financial advisors...why?

If the biggest downside to Vanguard is the PAS emails, we are a lucky bunch.

Delete and move on.
by greg24
Fri Oct 11, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Savings Rate drops to 1.8%
Replies: 43
Views: 6336

Re: Ally Savings Rate drops to 1.8%

Vanguard PMM 1.97% 7-day yield
by greg24
Thu Oct 10, 2019 1:15 pm
Forum: Personal Investments
Topic: Savings
Replies: 21
Views: 2105

Re: Savings

Vanguard Prime Money Market is currently at 1.97% and has check writing privileges. And would be a fairly easy vehicle to use for the OP who doesn't seem to be a financial expert.
by greg24
Thu Oct 10, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Barclays Savings Rate Drops to 1.9% (October 9, 2019)
Replies: 13
Views: 1358

Re: Barclays Savings Rate Drops to 1.9% (October 9, 2019)

Vanguard Prime Money Market 1.97%
by greg24
Thu Oct 10, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: Artificial Intelligence and the stock market
Replies: 65
Views: 6641

Re: Artificial Intelligence and the stock market

masonstone wrote:
Wed Oct 09, 2019 11:22 am
With the explosion of AI that is coming in the next decade how do you think it'll affect the stock market?
As crazy as it sounds, I think it will increase Keynes' "animal spirits".
by greg24
Thu Oct 10, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4330

Re: Disadvantages of a bank signup bonus

The hassle factor is pretty big for me.

It seems like sharing your financial details with many organizations would raise your risk of identity theft.
by greg24
Thu Oct 10, 2019 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Working in a different city
Replies: 32
Views: 2041

Re: Working in a different city

Did you go through extensive training in order to enter a highly-compensated field so that you'd be away from your family 1/3 of the time?

I would never do it. But it is a personal question.
by greg24
Tue Oct 08, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3735

Re: 2010 Prius totaled.... Now what?

Thanks, everyone. The car is a loss and we're still waiting on their offer.

We're leaning towards replacing with a hybrid rav4.

:sharebeer
by greg24
Tue Oct 08, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3368

Re: Returned first iPhone; are they all like this?

Do you think Apple has sold 1.2 billion iPhones without being able to figure out word wrap?
by greg24
Mon Oct 07, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3735

Re: 2010 Prius totaled.... Now what?

Thank you for all the responses, very informative. I'm still listening if anyone else has anything to share.
by greg24
Mon Oct 07, 2019 1:19 pm
Forum: Personal Investments
Topic: New investor... Am I crazy?
Replies: 42
Views: 4069

Re: New investor... Am I crazy?

To be honest, your proposed portfolio basically goes against the belief system of this board.

This would be a good place to get started:
https://www.bogleheads.org/wiki/Getting_started
by greg24
Mon Oct 07, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3735

2010 Prius totaled.... Now what?

2010 Toyota Prius with 158k miles. We were rear ended at a stoplight yesterday. The impact caused us to hit the car in front of us. Early indications are that the car will be totaled. We're mainly concerned we'll get a check from State Farm that is nowhere near enough to replace. We've never dealt w...
by greg24
Thu Oct 03, 2019 1:46 pm
Forum: Personal Investments
Topic: Should I use a stable value Fund in 403B?
Replies: 4
Views: 360

Re: Should I use a stable value Fund in 403B?

Your SVF sounds similar to TIAA Traditional.

I put 50% of my 403b fixed income contributions into TIAA Traditional.
by greg24
Thu Oct 03, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: Google or other tech buys in a downturn
Replies: 14
Views: 816

Re: Google or other tech buys in a downturn

hariseldon74 wrote:
Thu Oct 03, 2019 11:44 am
I recommend only 5-10% in individual stocks and the rest in indexes
I recommend 0% in individual stocks.

If you're only putting 5% in stocks, what is the point? 5% is barely going to make a difference either way.
by greg24
Tue Oct 01, 2019 2:16 pm
Forum: Personal Investments
Topic: Best Place To Park Cash?
Replies: 17
Views: 3120

Re: Best Place To Park Cash?

Vanguard Prime Money Market is currently yielding 2.00%, and is a great place to hold cash.

https://investor.vanguard.com/mutual-fu ... file/vmmxx
by greg24
Thu Sep 26, 2019 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: first house- 1 bedroom vs. 2 bedroom
Replies: 60
Views: 5146

Re: first house- 1 bedroom vs. 2 bedroom

Regardless of the apartment, rent is much smarter. If you put $200,000 down you are likely paying over 5k a month for this house. You will be out $200,000 right off the bat and pay another $2.2 million over the course of the 30 year loan. If renting, they'd pay $1.08M in the same span. Only IF thei...