Search found 487 matches

by badger42
Tue Jul 16, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 36
Views: 2913

Re: New Subaru Outback Engine Offering for 2020

Not only is the 2.4 Turbo the same as the motor in the Ascent, it's a close relative to the 2.0 NA motor in the Crosstrek / Impreza, and the 2.0 Turbo in the WRX, which have done pretty well so far. One thing that's missing - where is the OP driving? A turbo maintains power with altitude, a NA motor...
by badger42
Mon Jul 15, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7514

Re: No A/C in Office [not a safe work environment]

So, assuming your boss is a semi-reasonable human: "We have some really important deadlines to hit, and the lack of A/C makes it hard to get work done due to a health condition. Would it be alright if I worked from home for a couple of days, to make sure we hit our deadlines? I'll be available via (...
by badger42
Fri Jul 12, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3442

Re: priority of supporting parents vs saving for college

Own retirement, then kids college, then anything else.

Parents who squander can always take the couch / spare bedroom, but student loans are forever.
by badger42
Fri Jun 28, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 44157

Re: What lifestyle creep made you happier?

House cleaning help Paying for extra legroom on flights House cleaning help Amazon Prime, especially PrimeNow House cleaning help Amex Platinum House cleaning help A nice (US-made Titanium) bicycle How does amex platinum help? I’m curious how you use it to your advantage! Thanks The biggest advanta...
by badger42
Tue Jun 25, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Vision Insurance for ONLY (dependent) Spouse
Replies: 11
Views: 428

Re: Vision Insurance for ONLY (dependent) Spouse

Just cost out the options (including likely co-pays for exams, glasses, etc) vs just paying for the exam + glasses at your local Costco. Do whichever is cheaper.
by badger42
Wed Jun 19, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 1769

Re: Recommend toaster

MrBobcat wrote:
Wed Jun 19, 2019 3:23 pm
badger42 wrote:
Wed Jun 19, 2019 3:02 pm
Breville Smart Oven. Not only did it replace the toaster, we use it more than we use the regular oven.

It also blows the old toaster out of the water in toasting flexibility (rolls, bagels, melting cheese on things, etc)
What size did you get?
We have the "standard" smart oven - BOV800XL
by badger42
Wed Jun 19, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Which TIP would you buy?
Replies: 8
Views: 704

Re: Which TIP would you buy?

I would buy one that matures when I expect to need the money.
by badger42
Wed Jun 19, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 1769

Re: Recommend toaster

Breville Smart Oven. Not only did it replace the toaster, we use it more than we use the regular oven.

It also blows the old toaster out of the water in toasting flexibility (rolls, bagels, melting cheese on things, etc)
by badger42
Wed Jun 19, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy went up 166%
Replies: 34
Views: 3447

Re: Umbrella policy went up 166%

Did you add a teen driver? Have a claim? Blow out your credit score?

We're paying 1/3 that for $5m from Chubb.
by badger42
Wed Jun 19, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 5963

Re: Are you a member of nextdoor.com? Any concerns registering your info?

At least in our area, NextDoor is mostly a mix of whining about politics, kids skateboarding on the sidewalk, and reports of suspicious activity because a brown person walked through the neighborhood. Oh, and people selling really junky used stuff for excessively high prices. You can cut out the mid...
by badger42
Mon Jun 17, 2019 8:07 am
Forum: Personal Investments
Topic: $1 million Where to Park?
Replies: 19
Views: 3850

Re: $1 million Where to Park?

I would just buy treasuries maturing when you think you need the money. Off the run is fine, no need to wait for an auction. It doesn't matter if it's 9 month bill or a 10 year note with 9 months left.
by badger42
Sun Jun 16, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: car cylinder ignition coil - replace only nonfunctional one or all of them?
Replies: 22
Views: 1015

Re: car cylinder ignition coil - replace only nonfunctional one or all of them?

What we don't know is if this is a failure mode caused by something that just applies to that pack (maybe manufactured in tolerances but just barely, or deterioration that's fairly random) or common to the coil packs (time in service, etc) What I would do is: First failure -> Just replace failed uni...
by badger42
Sat Jun 15, 2019 12:00 am
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 30
Views: 2743

Re: Durable non-stick cookware suggestions?

For non-stick, we have really good luck with cheap-ish stainless steel commercial grade pans. Something like https://www.katom.com/080-SSFP11NS.html works really well. Seasoned cast iron is great too (definitely my favorite for searing off burgers, steaks, etc) but the non-stick is really better for...
by badger42
Mon Jun 10, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Travel Advice driving through NYC to Long Island
Replies: 19
Views: 1519

Re: Travel Advice driving through NYC to Long Island

Assuming one human.... Delta and Jetblue do that trip for 200 bucks round trip (SYR <-> JFK) At 600mi round trip you would have to have total car expenses of under 33c/mile (versus IRS rates of 58c/mile) to break even, and that doesn't count the extra time / hassle / stress. I'm ignoring both tolls ...
by badger42
Mon Jun 10, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3099

Re: Costco Visa credit limit

Just get a different card. Seriously, Citi customer disservice is not worth fighting. With an income and score similar to yours, Barclays gave me a $25k limit on a World Elite MasterCard right out of the gate. Good sign up bonus too, and effectively 2% back as long as you use it for the occasional t...
by badger42
Fri Jun 07, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3661

Re: Toaster ovens - safe? better alternative?

If $$ are not a huge concern I would highly recommend whichever Breville smart oven fits in your space. We have one of the larger Smart Ovens, and it's like having a small 2nd oven - very convenient and flexible. And it toasts well too!
by badger42
Sat Jun 01, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: What to do with old unused laptops?
Replies: 17
Views: 1967

Re: What to do with old unused laptops?

If they boot, use DBAN to nuke the drive, then recycle.

If they don't boot, either put the drive in an external enclosure to wipe it, or just physically destroy it (hdd shredding service, or just take it apart and scratch up the platters) and recycle the laptops.
by badger42
Sat May 25, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: How much to tip food delivery driver
Replies: 39
Views: 3750

Re: How much to tip food delivery driver

I normally top $3-4 for curbside delivery (we mostly do UberEats and meet the driver at the curb), $5+ for the (rare) delivery to the door.

Curbside drops are always "I'm at the curb before they are" so it's hand off and go, they don't even have to get out of the car.
by badger42
Thu May 23, 2019 3:01 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite High-Yield Bond Funds?
Replies: 23
Views: 2298

Re: Your Favorite High-Yield Bond Funds?

I've been quite happy with the Vanguard high-yield fund for my high-yield allocation. It offers active management (which is good in the HY space - much less of an efficient market than, say, US large cap equities), reasonable ER (13bp for 50k or more, 23bp otherwise), and a strong track record. Note...
by badger42
Fri May 17, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4035

Re: Instant Coffee?

I drink coffee, at least once a day. I am not particularly picky (beans from Costco, ground at home, brewed in a middle of the road auto drip coffee pot, and will happily drink any 'reasonable' coffee as plain old black brewed coffee). If you live somewhere approximating civilization, please don't b...
by badger42
Fri May 17, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3175

Re: Synthetic oil or not for very low mileage auto?

Synthetic and chance once a year. It'll give better protection for an infrequently driven car, and the marginal cost is minimal.
by badger42
Fri May 17, 2019 7:43 am
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3570

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

A load can be thought of as a one time expense ratio that from a basic standpoint can be divided over the number of years that you would hold the contribution before rolling over to an IRA and using a lower ER fund. So 5.5% load for a contribution held for 10 years is 0.55% added onto the ER of the...
by badger42
Thu May 16, 2019 10:25 pm
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3570

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

A load can be thought of as a one time expense ratio that from a basic standpoint can be divided over the number of years that you would hold the contribution before rolling over to an IRA and using a lower ER fund. So 5.5% load for a contribution held for 10 years is 0.55% added onto the ER of the...
by badger42
Thu May 16, 2019 4:05 pm
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3570

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

A load can be thought of as a one time expense ratio that from a basic standpoint can be divided over the number of years that you would hold the contribution before rolling over to an IRA and using a lower ER fund. So 5.5% load for a contribution held for 10 years is 0.55% added onto the ER of the...
by badger42
Thu May 16, 2019 3:12 pm
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3570

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

OK, so you have an overall tax rate of 20% for calculating tax drag. In taxable, something like VTI will give you about 2% dividend yield, which means 0.4% tax drag. Tax on gains at time of sale is 20% as well. Load is 5.75%. If we assume 0.05% expenses, total taxable tax+fee drag is 0.45%, vs 0.7% ...
by badger42
Thu May 16, 2019 1:53 pm
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3570

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

What are your capital gains / qualified dividends brackets?
by badger42
Thu May 16, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads update their 401k contributions once they are able to max?
Replies: 19
Views: 1616

Re: How do Bogleheads update their 401k contributions once they are able to max?

Contributions will automatically stop when you hit the max. If you have a match, understand whether it has a true-up. If no match, or match with true-up, you don't need to do anything. IF you have a match without a true-up, reduce as needed to make sure you only max at the end of the year and still ...
by badger42
Wed May 15, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: new renter rent to be paid by insurance company
Replies: 15
Views: 1558

Re: new renter rent to be paid by insurance company

The 1099 should be a non-issue as long as you're properly reporting your rental income - it will just reflect what they paid you.
by badger42
Tue May 14, 2019 9:28 am
Forum: Personal Investments
Topic: 10b5(1) basis methods
Replies: 0
Views: 108

10b5(1) basis methods

So, I have an interesting decision to make - for (reasons redacted) there is some chance I will need to enter into a rule 10b5(1) trading plan with my current employer. I expect a fair bit of volatility in the stock, and am attempting to (ahead of time) do something approximating tax optimization an...
by badger42
Mon May 13, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: 100% stocks with 3% SWR with 60 years retirement period
Replies: 40
Views: 3763

Re: 100% stocks with 3% SWR with 60 years retirement period

The thing about blindly extending a simulation is that we have to remember 60 years is a REALLY long time. 60 years ago was 1959. The world was VERY different in 1959 (and not just because my parents were little kids). The global economy was still being rebuilt after World War II, computers were not...
by badger42
Tue May 07, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: New smartphone recommendations
Replies: 20
Views: 1844

Re: New smartphone recommendations

No problems at all with unlocked Pixel or Motorola phones. The new Pixel 3a looks like a really solid mid-range offering. (Also, typing this on an unlocked Pixel 3XL on T-Mobile)
by badger42
Tue Apr 30, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: WSJ--How Schwab Ate Wall Street
Replies: 82
Views: 9615

Re: Brokerage income source may surprise you

I invest at Schwab and keep a zero balance in the settlement account. Why would anybody keep money in a settlement account? I also invest at Vanguard, and keep a zero balance in their settlement account, too. I keep 7-12k of slush in the settlement account. I'd rather not have to sell something for...
by badger42
Tue Apr 30, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: WSJ--How Schwab Ate Wall Street
Replies: 82
Views: 9615

Re: WSJ--How Schwab Ate Wall Street

The timing of this is interesting. We've had a bucket of Schwab accounts (joint, checking, his IRA, her IRA, etc) for a long time. Schwab has been great in terms of offerings, services, costs, etc. (we also have assets with Fidelity and Vanguard, mostly due to employer plans) Also a disclaimer - our...
by badger42
Mon Apr 29, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: making the leap to online only banking-- updated reviews on Fidelity CMA or Schwab High Yield?
Replies: 25
Views: 2130

Re: making the leap to online only banking-- updated reviews on Fidelity CMA or Schwab High Yield?

We've been banking with Schwab for many years, no complaints. Customer Service is fine, ATM fee reimbursement works perfectly, and depositing cash is a non-issue for us (in the unlikely event we have too much cash we'll just use it for the next household Costco run) We also have local Schwab offices...
by badger42
Mon Apr 29, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"
Replies: 76
Views: 10724

Re: The counterargument [Index investing is not a good strategy for most]

There are places index investing works great. There are places where index investing really isn't optimal. For example, let's look at bonds. One extreme: An active manager adds basically zero value to a short term treasury bond fund. You're better off paying less for an algorithm. Everything in your...
by badger42
Mon Apr 29, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Do insurance cos need SS number to quote auto & home?
Replies: 10
Views: 827

Re: Do insurance cos need SS number to quote auto & home?

Called 2 insurance companies to get quotes for home owners & auto insurance. Both companies want my social security number so they can "pull reports". They both said that I should not worry, that the process is "safe". But I am very wary of handing out my SS #. I declined to give them the number an...
by badger42
Tue Apr 23, 2019 2:46 pm
Forum: Personal Investments
Topic: Is company’s 401k match based on base salary or social security salary?
Replies: 41
Views: 2728

Re: Is company’s 401k match based on base salary or social security salary?

It really depends on the employer. Most recent previous employer based it on base+bonus (but also had a true-up). RSU counted towards SS income (until you maxed SS) but not the match. Employer before that did a match strictly based on your actual contribution, with no tie to salary. Read the fine pr...
by badger42
Mon Apr 22, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Professional Liability Insurance - Consulting Business
Replies: 11
Views: 689

Re: Professional Liability Insurance - Consulting Business

Good Morning, I am ready to take the next step to start my own professional IT consulting business. I have been working as a 1099 IT consultant for some years. I am want to be able to bid on work and not have to go through a middle man. What type of professional liability insurance should I be look...
by badger42
Fri Apr 19, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3845

Re: Windows 7 end of support - Jan 14, 2020

If something is connected to the Internet and runs Windows, it should run windows 10, period full stop. Running windows 7 means your computer is likely to be the Typhoid Mary of your network and networks around you. It's also far more likely to be taken over by malware, ransomware, or just general n...
by badger42
Wed Apr 17, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Question on compromised credit cards
Replies: 20
Views: 1212

Re: Question on compromised credit cards

Do you get paper statements? That's an easy route to compromise if somebody 'borrowed' your snail mail.
by badger42
Mon Apr 08, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 148
Views: 21096

Re: Trader Joe's Fans - good value?

When I shop at Trader Joe's I have the impression that, within reason, you name it, they have it--but only one kind , never a choice. Is that your impression, too? If so, is that a bug or a feature? Yes that Freakonomics podcast gets into this. Apparently TJ has hit on something with offering less ...
by badger42
Tue Apr 02, 2019 6:04 pm
Forum: Personal Investments
Topic: The tactics of Withdrawal -McClung model
Replies: 14
Views: 1463

Re: The tactics of Withdrawal -McClung model

McClung is no doubt brilliant, but IMO his work has a critical flaw that's shared with a lot of other work BH tend to obsess over - if you take the returns over the last hundred years, you can build some really weird models that backtest well, because you're effectively optimizing your models for th...
by badger42
Fri Mar 22, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Costco Car Rental unavailable in March 2020?
Replies: 7
Views: 992

Re: Costco Car Rental unavailable in March 2020?

Give https://www.autoslash.com/ a shot. They've blown everybody else out of the water for me when I hit unusual situations such as one-way rentals. I would call 30 days a similar unusual situation.
by badger42
Thu Mar 21, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Overheating laptop - no good options
Replies: 19
Views: 718

Re: Overheating laptop - no good options

Start by blowing (not vacuuming) all of the dust out of the laptop. Either use a vacuum with a blower port and appropriate nozzle (if you already own one) or a can of dusting gas (use in a well ventilated area!). If that doesn't work, I'll second the comment on heatsink compound - it can degrade ove...
by badger42
Tue Mar 19, 2019 9:04 am
Forum: Personal Investments
Topic: 5G, AI (Artificial Intelligence), and Cyber Security ETF Suggestions?
Replies: 12
Views: 1057

Re: 5G, AI (Artificial Intelligence), and Cyber Security ETF Suggestions?

https://www.ishares.com/us/products/272532/ishares-exponential-technologies-etf None of the top 10 there have a meaningful footprint in AI, cybersecurity, or 5G. This is not investment advice, and based only on public information, but: AI - Google/Alphabet is way ahead of most of the world (DeepMin...
by badger42
Mon Mar 18, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Uber fraud - what to do?
Replies: 28
Views: 3577

Re: Uber fraud - what to do?

Most likely, the driver just kept driving after dropping you off. It happens once in a while, customer service can generally figure it out pretty quickly if you report it. (It's happened to me - once on Uber, once on Lyft. Both took care of it with no issues.)
by badger42
Fri Mar 15, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Letting umbrella insurance lapse
Replies: 30
Views: 2643

Re: Letting umbrella insurance lapse

My umbrella insurance is up for renewal. I'm considering not renewing and self-insuring instead, at least while I reevaluate my program. I have the financial wherewithal to cover claims up to my current policy limit anyway, so I'm not losing out on much in the interim. That doesn't mean you should ...
by badger42
Wed Mar 13, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 6654

Re: How many companies have you worked for?

Since undergrad, 19 years across 7 actual employers, but did work for many more companies (two were consulting companies, one was myself doing independent consulting. I think when I was in consulting there were weeks where I billed time to as many as 10-12 projects, as much of my role was "troublesh...
by badger42
Mon Mar 11, 2019 3:22 pm
Forum: Investing - Theory, News & General
Topic: Sell RSUs when stock is significantly down?
Replies: 20
Views: 1321

Re: Sell RSUs when stock is significantly down?

As a general rule, I am a strong proponent of sell on vest, but all RSUs are local. If I ran into your situation, I would consider holding back maybe 20-30% of the net vest to see if things came back, but probably not more than that. (e.g. net vest 500, after taxes maybe 350 shares; there's no major...
by badger42
Mon Mar 11, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: Strategy of all bonds in Roth and SEP IRAs
Replies: 6
Views: 451

Re: Strategy of all bonds in Roth and SEP IRAs

AA is Asset Allocation 55% Equities, 20% bonds, 25% cash (most of that cash is an annuity earning ~7%. It was opened back in the 1990s) Well then, look at your tax situation. If you're paying 0% on LT capital gains, bonds in pre-tax/roth might make sense. If you're paying 15% or more on LT capital ...