Search found 168 matches

by JZinCO
Fri Jun 10, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: Is USB 3 (the computer cable connection) a failure?
Replies: 28
Views: 2852

Re: Is USB 3 (the computer cable connection) a failure?

Oh yes, but micro USB suffers from the same design flaw (though not as bad because the outside shield is not symmetrical).
by JZinCO
Fri Jun 10, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: Is USB 3 (the computer cable connection) a failure?
Replies: 28
Views: 2852

Re: Is USB 3 (the computer cable connection) a failure?

Cindyjrn wrote:Ah bilateral symmetry, eliminating the 94% chance that I'll try to stick the micro USB connector into my phone the wrong way the first time.

Not true.

USB connectors exist in a state of superposition prior to observation.
Image
by JZinCO
Fri Jun 03, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: How would you calculate my savings rate?
Replies: 9
Views: 1034

Re: How would you calculate my savings rate?

There are many methods to calculate. I have always used gross wages. I look at it as a pie with slices to taxes, retirement, mortgage, education, and so forth. Agreed. JD, From your last post, I think you are on the right track there (as well as the responses I have seen in the thread). I think alo...
by JZinCO
Fri May 27, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 6336

Re: Emergency Preparedness

Anyone live near a nuclear power plant? Have you considered your options in an EMP attack? I would drive away. At least I'd be one of the few who could Unless your car is in a Faraday cage your car will not start in a real/direct EMP attack, unless you are out of range. You will only get as far as ...
by JZinCO
Fri May 20, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 6336

Re: Emergency Preparedness

peppers wrote:Anyone live near a nuclear power plant? Have you considered your options in an EMP attack?

I would drive away. At least I'd be one of the few who could :)
by JZinCO
Thu May 19, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 6336

Re: Emergency Preparedness

IIRC, one of the tenets for surivivalists is multi-function. A shovel could do that and much more. Not if you live in the city; the bucket is a multitasker. Line it with a trash bag, then take your waste outside hygienically at your convenience. Use kitty litter if you're forced inside by weather, ...
by JZinCO
Wed May 18, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 6336

Re: Emergency Preparedness

Independent George wrote:What about a camping toilet? If there's no power, might not be any water pressure, either.

IIRC, one of the tenets for surivivalists is multi-function. A shovel could do that and much more.
by JZinCO
Wed May 18, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 6336

Re: Emergency Preparedness

We have a habit of refueling cars at about 1/3. There was a major widespread power outage a couple years ago so 1/3-tank should be enough to get home from my usual (at the time) commute even with congested traffic. I got into the habit of refueling at 1/2 tank from when I worked in emergency servic...
by JZinCO
Tue May 17, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 6336

Re: Emergency Preparedness

Not at all. see: m I think it is a good idea to have a go-bag or at least a basic kit in our house and a smaller one in a vehicle (along with a breakdown kit). I bet alot of folks get so complacent they don't even have a first aid kit in the bathroom or garage. My property mgmt company doesn't even ...
by JZinCO
Tue May 17, 2016 1:52 pm
Forum: Investing - Theory, News & General
Topic: "Index Funds Are Good Corporate Governors"
Replies: 2
Views: 465

Re: "Index Funds Are Good Corporate Governors"

Thanks Taylor.

To pile on, see Burton Malkiel's response to that question in this google talk: https://www.youtube.com/watch?v=wnCxlIQjT-s (@ 50:33min)
by JZinCO
Tue May 17, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: Potential uses for myRA
Replies: 24
Views: 2298

Re: Potential uses for myRA

Also good point. Going back to my earlier post on point (C). I may not be a representative case but with a 401a, 403, 457 and HSA, I have more tax-advantaged space than I know what to do with so there is no tradeoff with respect to putting EF into a roth IRA such as myRA.
by JZinCO
Tue May 17, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: Potential uses for myRA
Replies: 24
Views: 2298

Re: Potential uses for myRA

Yes good point. Thanks for making that clear.
by JZinCO
Tue May 17, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Potential uses for myRA
Replies: 24
Views: 2298

Re: Potential uses for myRA

Maybe my coffee has not set in, but what if we consider this: Preliminary scenario 3: $5k in myRA G fund growing @ 1.5% serving as emergency fund, $5k in taxable Total Stock Market @ 6% Event: Emergency Fund triggered, all $5k in TSM sold, myRA rolled into normal broker and shares of TSM are repurch...
by JZinCO
Tue May 17, 2016 11:43 am
Forum: Investing - Theory, News & General
Topic: Potential uses for myRA
Replies: 24
Views: 2298

Re: Potential uses for myRA

Alternative take: the cost due to increased tax burden due to smaller Roth-style investments of not having equity growing protected in a Roth outweighs whatever potential benefit of maybe withdrawing intermediate-term treasuries in an emergency in a down market. This argument applies just the same ...
by JZinCO
Tue May 17, 2016 11:12 am
Forum: Investing - Theory, News & General
Topic: Potential uses for myRA
Replies: 24
Views: 2298

Re: Potential uses for myRA

I am planning to use myRA to house (most of) my emergency fund. If those funds aren't earmarked for investing, then what is the opportunity cost? In my mind, one of the best ways to keep cash as cash while receiving tax-deferred returns. And given the nature of a roth, if an emergency comes up, you...
by JZinCO
Mon May 16, 2016 9:28 pm
Forum: Investing - Theory, News & General
Topic: Potential uses for myRA
Replies: 24
Views: 2298

Re: Potential uses for myRA

Yes the switch over is indeed an issue. I am unable to figure out whether the total balance is switched over or just the balance in excess of 15k . Could you--or someone--point me in the direction of this information? It appears ALL of the balance, once you hit that magic $15,000. Per m : What happ...
by JZinCO
Mon May 16, 2016 5:53 pm
Forum: Investing - Theory, News & General
Topic: Potential uses for myRA
Replies: 24
Views: 2298

Re: Potential uses for myRA

I am planning to use myRA to house (most of) my emergency fund. If those funds aren't earmarked for investing, then what is the opportunity cost? In my mind, one of the best ways to keep cash as cash while receiving tax-deferred returns. And given the nature of a roth, if an emergency comes up, you...
by JZinCO
Mon May 16, 2016 5:22 pm
Forum: Investing - Theory, News & General
Topic: Potential uses for myRA
Replies: 24
Views: 2298

Re: Potential uses for myRA

I am planning to use myRA to house (most of) my emergency fund. If those funds aren't earmarked for investing, then what is the opportunity cost? In my mind, one of the best ways to keep cash as cash while receiving tax-deferred returns. And given the nature of a roth, if an emergency comes up, you ...
by JZinCO
Mon May 16, 2016 3:25 pm
Forum: Investing - Theory, News & General
Topic: What % do you have in alternatives? REITs, commodities, etc.)
Replies: 67
Views: 5830

Re: What % do you have in alternatives? REITs, commodities, etc.)

Another thought:

If Dividend-payers/growers are bought to replace bonds (not advocating the strategy)..Would you consider them alternative? They are certainly held for a different purpose than 'normal' stock in one's portfolio often banking on dividends rather than capital appreciation.
by JZinCO
Mon May 16, 2016 3:08 pm
Forum: Investing - Theory, News & General
Topic: What % do you have in alternatives? REITs, commodities, etc.)
Replies: 67
Views: 5830

Re: What % do you have in alternatives? REITs, commodities, etc.)

I'm curious if anyone holds really alternative assets such as actual land, commercial real estate, guns, diamonds, gold, rare coins, stamps, art, pokemon cards, private equity, private debt, solar panels, solar bonds, hedge funds, etc. If so, a little elaboration on your thought process would be he...
by JZinCO
Mon May 16, 2016 2:46 pm
Forum: Investing - Theory, News & General
Topic: What % do you have in alternatives? REITs, commodities, etc.)
Replies: 67
Views: 5830

Re: What % do you have in alternatives? REITs, commodities, etc.)

Interesting that almost all answers are publicly traded, liquid and paper assets. I would have expected at least real estate to be mentioned more (e.g. rental unit). I'm curious if anyone holds really alternative assets such as actual land, commercial real estate, guns, diamonds, gold, rare coins, s...
by JZinCO
Mon May 16, 2016 11:09 am
Forum: Investing - Theory, News & General
Topic: What % do you have in alternatives? REITs, commodities, etc.)
Replies: 67
Views: 5830

Re: What % do you have in alternatives? REITs, commodities, etc.)

10% marketplace lending (LendingClub & Fundrise) 10% REIT (VNQ) 4% int'l REIT (VNQI) I am slowly decreasing my position in marketplace lending. I would like to collapse US & Int'l REIT, but access to all-world REIT funds are uncommon inside administered plans. I also have some small undesire...
by JZinCO
Sat May 14, 2016 1:01 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Funds - name changes
Replies: 55
Views: 11083

Re: Fidelity Spartan Funds - name changes

Now taking the spartan name out is another matter. however they are following what others do such as the schwab s&p 500 index fund. No one has complained that schwab index funds are too hard to find (i don't think?). The key search term is index or by ER. To set up a rebalance or otherwise make...
by JZinCO
Fri May 13, 2016 1:54 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Funds - name changes
Replies: 55
Views: 11083

Re: Fidelity Spartan Funds - name changes

Now taking the spartan name out is another matter. however they are following what others do such as the schwab s&p 500 index fund. No one has complained that schwab index funds are too hard to find (i don't think?). The key search term is index or by ER. To set up a rebalance or otherwise make...
by JZinCO
Wed May 04, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo - Transfer Fees
Replies: 13
Views: 1946

Re: Wells Fargo - Transfer Fees

Just a caveat. With my account (everyday checking?) there is a fee for a push but not for a pull.

Cheers.
by JZinCO
Sat Apr 30, 2016 10:58 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 208
Views: 31774

Re: guaranteed 5% vs stocks?

You are correct in pointing out that actual return is lower due to monthly compound and also lower if you do not jump though their hoops. I do think it should be fairly easy to jump in 0.05% by enrolling in estatements but I don't plan on shooting for the full 0.25% extra. In other words, I can do N...
by JZinCO
Fri Apr 29, 2016 5:49 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 208
Views: 31774

Re: guaranteed 5% vs stocks?

I have not done any of these 5% accounts though I do have a 3% hi-yield checking. Just wanted to add some insight to the 'if it is too good to be true..' comments. Many of us play the bonuses game. Is there a cost? Maybe to my credit score when it comes to credit card churning. Sure I have to manual...
by JZinCO
Thu Apr 28, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Saving Too Much in Retirement Accounts?
Replies: 35
Views: 6373

Re: Saving Too Much in Retirement Accounts?

Buying groceries is throwing money away too.

That's why I have a farm.

/snark
by JZinCO
Sat Apr 16, 2016 12:04 am
Forum: Personal Consumer Issues
Topic: Google Fi deal
Replies: 5
Views: 1251

Re: Google Fi deal

Had google fi for 4 mo from a recommendation of a retiree who has been traveling around the world making free calls.

Great service. Absolutely no complaints about the 5x either (except I didn't get such a sweetheart deal :) )
by JZinCO
Tue Apr 12, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 5K tax refund
Replies: 13
Views: 1328

Re: Investing 5K tax refund

I would vote for lump sum because (a) on average it is best to have more in the market now than later, in terms of total return and (b) $5000 isn't a huge sum of money so I wouldn't feel buyer's remorse if it goes down soon after, nor would I even care if it went down because I don't invest with the...
by JZinCO
Tue Apr 12, 2016 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 5K tax refund
Replies: 13
Views: 1328

Re: Investing 5K tax refund

Yes you can set up an automatic investment to DCA (look at your vanguard account maintenance page to see the link). VTSMX is a vanguard fund so there is no trading fee.
by JZinCO
Mon Apr 11, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Easy way to estimate grade (steepness) of a drive?
Replies: 16
Views: 5158

Re: Easy way to estimate grade (steepness) of a drive?

Thanks guys..... I kind of figured out that I could use one of these which does both distance and angle from horizontal. m It will be useful in a whole lot of ways including measuring the interior rooms of houses we are looking at as well as measuring the back yards. You never know when you find a ...
by JZinCO
Mon Apr 11, 2016 4:31 pm
Forum: Personal Consumer Issues
Topic: Easy way to estimate grade (steepness) of a drive?
Replies: 16
Views: 5158

Re: Easy way to estimate grade (steepness) of a drive?

Some great posts here. As someone said, you just need to measure the angle from you to the same height above the surface. I personally love Theodolite. So you could stand at the end of a drive, snap the angle from you to the same height at top of the drive then grab the angle. You can use a compass,...
by JZinCO
Fri Mar 04, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: How close do you plan on waiting to pay for Income Tax?
Replies: 34
Views: 3278

Re: How close do you plan on waiting to pay for Income Tax?

ddunca1944 wrote:We owe $1400 for federal taxes. I am filing electronically and telling them to automativally take it out of our checking account on April 1.

April Fool's, the checking account is empty!

(someone had to say it)
by JZinCO
Fri Mar 04, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Un-vested pension funds
Replies: 8
Views: 817

Re: Un-vested pension funds

I have ~ 23K in funds listed under my pension plan (Ohio PERS)... I would have to stay in public employment in Ohio until age 62 or greater to retire with full benefits. I am 34/ wife 31. We got into retirement saving a bit late, and have ~30K built up from Roth IRA / 457 plans. (Wish I could go ba...
by JZinCO
Thu Feb 25, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Grad student W2 - no SS and no Medicare
Replies: 7
Views: 851

Re: Grad student W2 - no SS and no Medicare

From IRS FICA (Social Security and Medicare) taxes do not apply to service performed by students employed by a school, college or university where the student is pursuing a course of study. Whether the organization is a school, college or university depends on the organization’s primary function. In...
by JZinCO
Sat Feb 20, 2016 11:03 pm
Forum: Investing - Theory, News & General
Topic: Shark tank advice
Replies: 48
Views: 7561

Re: Shark tank advice

There are probably quite a few here who watch Shark Tank.Great show.AARP had a nice article where they interviewed all the sharks and asked their advice on many financial matters. Kevin O'Leary,Mr.Wonderful,advised never buy a stock that does not pay a dividend.Always get paid.Suggested 50 pct bond...
by JZinCO
Thu Feb 11, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Refi a $8600 student loan bill?
Replies: 7
Views: 608

Re: Refi a $8600 student loan bill?

dsmil wrote:Sofi refinances without any fees so I don't see any downside. She'd probably get something a couple percentage points lower for fixed, or even lower for variable.

When I applied with SoFi, I was told I needed a minimum of 10K in student loan debt to refinance.
by JZinCO
Tue Feb 09, 2016 9:57 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 131
Views: 58642

Re: Banned from Home Depot Returns

Allan12 wrote: I literally had the receipt.


Katietsu wrote: You are returning things without a receipt,


....?

I've had the same crap go on with Home Depot. I use local lumber and hardware stores now.
by JZinCO
Tue Feb 09, 2016 3:46 pm
Forum: Investing - Theory, News & General
Topic: Fidelity - Rates of Return?
Replies: 6
Views: 809

Re: Fidelity - Rates of Return?

I'm not sure if there is something analogous for you. I just know how to look at it for my workplace savings account and hsa through netbenefits. I do know that you can download transaction history which includes contributions, dividends, sales, buys, etc and you can download this as an excel sheet ...
by JZinCO
Tue Feb 09, 2016 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date
Replies: 10
Views: 1475

Re: Target Date

it doesn't do much either way. In my opinion, though, it is unnecessary. Agreed. I have a similar target date fund in my state 457. It has a similar percentage of commodities and each asset is a weighting of funds, some of which are actively managed.... Why does a med/small cap asset allocation nee...
by JZinCO
Tue Feb 09, 2016 2:26 pm
Forum: Investing - Theory, News & General
Topic: Fidelity - Rates of Return?
Replies: 6
Views: 809

Re: Fidelity - Rates of Return?

In NetBenefits, you can calculate your rate of return if you go to summary -> statements, and then select the time period for which you want rate of return to be calculated. IIRC, it's calculated similar to XIRR, total balance at start of time period, additions, subtractions, and ending period balan...
by JZinCO
Fri Feb 05, 2016 5:28 pm
Forum: Investing - Theory, News & General
Topic: Prosper.com Update Total Return
Replies: 39
Views: 5515

Re: Prosper.com Update Total Return

I think it is extremely difficult to evaluate p2p lending as an investment until it is seen how it performs during an economic downturn. My intuition is that the currently available returns don't justify the downside risk. Haven't run any numbers to back this up, but I'd imagine default rates would...
by JZinCO
Fri Feb 05, 2016 10:01 am
Forum: Local Chapters and Bogleheads Community
Topic: New Woodlands, Texas Local Chapter
Replies: 21
Views: 3332

Re: The Woodlands, Texas Chapter?

I graduated from highschool there. Probably the least boglehead place there is :)
by JZinCO
Thu Feb 04, 2016 1:51 am
Forum: Investing - Theory, News & General
Topic: Prosper.com Update Total Return
Replies: 39
Views: 5515

Re: Prosper.com Update Total Return

How do they rate borrowers As and Bs? It would seem anyone who paid back their loans enough to get a good history would get themselves out of the hole of having to use Peer-to-Peer lending. LC will drop hints about what criteria they use but their underwriting is really a black box. What's hurt me ...
by JZinCO
Thu Feb 04, 2016 1:27 am
Forum: Investing - Theory, News & General
Topic: Prosper.com Update Total Return
Replies: 39
Views: 5515

Re: Prosper.com Update Total Return

Just to add another data point. ~1/3 of my notes, by price or half by volume are bought on the secondary market. I've had an account since August 2015. My XIRR is 10.4%, quite a bit lower than lending club/NSR's reports (~12%). Average note age is 16 mo. My portfolio is heavily weighted towards high...
by JZinCO
Tue Feb 02, 2016 11:20 am
Forum: Investing - Help with Personal Investments
Topic: How to calculate your savings rate? Making sense of all the numbers.
Replies: 7
Views: 1504

Re: How to calculate your savings rate? Making sense of all the numbers.

But if you really want to calculate current savings rate, I would divide all sources of expenditures (including taxes, but not including the portion of your mortgage payment going toward the payoff of the lien) by all sources of income (including 401k matches, garage sales, etc.) and then subtract ...
by JZinCO
Sun Jan 31, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Funds: They only get invested if you say so, correct?
Replies: 4
Views: 515

Re: HSA Funds: They only get invested if you say so, correct?

Just to echo yes. I have fidelity and because their hsa is set up as a brokerage account, my core/default position has to be cash. Unlike my retirement accounts, I can not set a core position of investments. It's kind of annoying because I have to buy each month nor can I autorebalance
by JZinCO
Sun Jan 31, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Are expected returns higher
Replies: 19
Views: 1623

Re: Are expected returns higher

Thanks for adding a bit. I can't answer your question because my crystal ball looks a bit foggy. I do buy into Wade pfaus thesis that the 5/3 or so cagr for stock/bond is going to challenge a 4% swr for current and near retirees. However, I've decades for reversion to the mean and I do expect that t...
by JZinCO
Sun Jan 31, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Are expected returns higher
Replies: 19
Views: 1623

Re: Are expected returns higher

What asset classes are too referring to? What is the 4% rule you are referring to?
Your post was too generic to provide thoughts on, please clarify