Search found 190 matches

by mouth
Tue Sep 22, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 205
Views: 21891

Re: What is your favorite reasonably priced bourbon?

One of the things I like about bourbons is the variety - so many to try - I have 5 bottles in various states that I am currently going through. A few of my favorites: Agree that Four Roses is very good Buffalo Trace Angels Envy Makers / Makers 46 Basil and Hayden I second Angels Envy. Also makes a ...
by mouth
Sat Aug 08, 2020 7:14 am
Forum: Personal Consumer Issues
Topic: Home Pistol Safe (And What To Put In It)
Replies: 45
Views: 3051

Re: Best Handgun Storage for Home Defense

I guess I am not done beating the drum - if you have concerns there are 1000s better ways to prevent someone harming your family that are far more effective then a firearm - I understand its a "you would rather have it and not need it than need it and not have it" - which I support but do you have ...
by mouth
Sat Aug 08, 2020 7:11 am
Forum: Personal Consumer Issues
Topic: Home Pistol Safe (And What To Put In It)
Replies: 45
Views: 3051

Re: Best Handgun Storage for Home Defense

Regardless of if and what type of weapon you end up with (I strongly encourage researching a shotgun vice hand gun for home defense) you need to make your house harder to get into and to alert you, to give you time to react when waking up. That means doors that are resistant to being kicked in ( www...
by mouth
Sun Aug 02, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: Any Chase Sapphire Reserve cardholders planning on cancelling?
Replies: 80
Views: 7727

Re: Any Chase Sapphire Reserve cardholders planning on cancelling?

I see no reason to cancel; I'm still getting my annual fee's worth. I am still able to generate enough points on the CSR (all food orders + DoorDash extra), Freedom (quarterly bonus), and Freedom Unlimited (1.5x all other purchases) to make it all worth while. Having the CSR means I can transfer poi...
by mouth
Sat Jun 27, 2020 8:33 pm
Forum: Personal Investments
Topic: Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) vs Ally
Replies: 43
Views: 3713

Re: Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) vs Ally

Yes your TEY math is right based on my own calculations. But be careful if you go this route and be prepared to move out of it and back into HYSA. Once rates start to climb back again I see no reason to expect your TEY at 12% to be better than a HYSA. In most every analysis 25% is considered the bre...
by mouth
Sun Jun 21, 2020 8:07 pm
Forum: Personal Consumer Issues
Topic: Ceiling Fan and Light on Porch with 7.5 foot ceiling
Replies: 23
Views: 1381

Re: Ceiling Fan and Light on Porch with 7.5 foot ceiling

Yup, you're gonna have to bump the price a bit. The Vision Max line is the outdoor rated version of the Clarity line. The Clarity line meets your size specs, but the Vision max seems to require a downrod making it just a little lower than you're asking for https://www.homedepot.com/p/Monte-Carlo-Vis...
by mouth
Fri Jun 05, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees - Two questions, please?
Replies: 20
Views: 2008

Re: Federal Retirees - Two questions, please?

Honestly any answer you get here is going to be very agency / department dependent. They will also be "out of date" unless someone has gone through the process during a global pandemic. OHR personnel are working shifts, remote, or not at all in various levels and PARs are moving at the speed of smel...
by mouth
Fri May 22, 2020 8:43 am
Forum: Investing - Theory, News & General
Topic: In taxable, why are bond funds "discouraged" but not money market funds?
Replies: 17
Views: 1899

Re: In taxable, why are bond funds "discouraged" but not money market funds?

I understand that bond funds are somewhat discouraged in a taxable account, but then why are money market funds not discouraged also? Don't they both provide the majority of their returns through ordinary dividends, which are taxed the same? The possibility of using some ultra short bond ETFs in pl...
by mouth
Sun Apr 19, 2020 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC Intrest Deductability Invement Property
Replies: 8
Views: 386

Re: HELOC Intrest Deductability Invement Property

Practically it isn't i guess. But technically there are no strings attached to that cash out while the are strings attached to the HELOC for deductability that I'm trying to navigate. And before you ask, my rental property has a 3.00% APR loan. Seems a poor choice to refinance that higher just to ca...
by mouth
Sun Apr 19, 2020 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC Intrest Deductability Invement Property
Replies: 8
Views: 386

Re: HELOC Intrest Deductability Invement Property

Hmmm. So I for sure will be itemizing. I guess the wording I've found so far didn't seem to keep the possibility open that I could "cross apply" the interest. I wouldn't be worried about proving where the funds went. I'm not planning to play fast and loose; I have on plan to do anything with the mon...
by mouth
Sat Apr 18, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC Intrest Deductability Invement Property
Replies: 8
Views: 386

Re: HELOC Intrest Deductability Invement Property

Hmmm maybe the process of writing my post helped organize my thoughts and improve my search terms; I just found this at Investopedia (which I've read twice already but third time's a charm I guess) Specifically, home equity loans, HELOCs or second mortgages must be used to “buy, build, or substantia...
by mouth
Sat Apr 18, 2020 11:27 am
Forum: Personal Finance (Not Investing)
Topic: HELOC Intrest Deductability Invement Property
Replies: 8
Views: 386

HELOC Intrest Deductability Invement Property

Situation: I have a rental property in one state and own and live in a primary residence in another state with no practical equity (very recent zero-down VA loan). I want to add an addition to the primary residence so I was thinking I could use the equity in my rental property (also a VA loan but wi...
by mouth
Mon Apr 13, 2020 6:51 am
Forum: Investing - Theory, News & General
Topic: How come an immediate annuity can pay a 60 year old 5.2% but if he had a 60/40 portfolio he can only take out 4% a year?
Replies: 60
Views: 4121

Re: How come an immediate annuity can pay a 60 year old 5.2% but if he had a 60/40 portfolio he can only take out 4% a y

The 4% number often cited is 4% of the starting portfolio increased each year for inflation If one goes back and looks at the updated Trinity Study , he will find that if a retiree is willing to forego the annual inflation increase he can withdraw closer to 7% than the oft-cited 4%. This is superio...
by mouth
Fri Apr 10, 2020 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Get 2nd mortgage from same lender or not?
Replies: 2
Views: 258

Re: Get 2nd mortgage from same lender or not?

So for the purposes of my question, yes they are the same. And as it happens, at this point, they are close enough to not matter. It isn't worth mentioning the variations until I'm ready to lock in the rate. I'm still waiting on the contract from the seller. But VA loans are quite often very very si...
by mouth
Fri Apr 10, 2020 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Get 2nd mortgage from same lender or not?
Replies: 2
Views: 258

Get 2nd mortgage from same lender or not?

I'm in the process of buying a home and am now shopping for loans; specifically this will be a VA loan. I already have a mortgage on a rental property with US Bank since 1999. My experience with them, to include my IRRRL refinance a few years ago, have been nothing but great. I pay them, they take m...
by mouth
Sat Apr 04, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: How long before online savings get close to 0%?
Replies: 18
Views: 2546

Re: How long before online savings get close to 0%?

Looks like Ally Bank never got below 0.84%: https://i.ibb.co/bQhmxyy/Screen-Shot-2020-04-04-at-10-43-26-AM.png How are you all getting rate history that far back? All I can find is back to Jan 2013. I want to see Synchrony's history Synchrony's retail banking doesn't go back that far https://en.wik...
by mouth
Sat Apr 04, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: How long before online savings get close to 0%?
Replies: 18
Views: 2546

Re: How long before online savings get close to 0%?

GoPackGo wrote: Sat Apr 04, 2020 10:55 am


Looks like Ally Bank never got below 0.84%:
Image
How are you all getting rate history that far back? All I can find is back to Jan 2013. I want to see Synchrony's history
by mouth
Sat Mar 28, 2020 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?
Replies: 92
Views: 6966

Re: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?

I wonder what a secure well paying job is right now? Only a few I can think of... maybe Emergency Room Doctor or something in that medical arena..but there are some pretty clear disadvantages to that right now. I would think other Emergency responders are secure but that doesn’t pay super well in m...
by mouth
Sat Mar 28, 2020 1:33 pm
Forum: Personal Investments
Topic: If you realized that you had too much in equities, sell now
Replies: 19
Views: 2472

Re: If you realized that you had too much in equities, sell now

What's odd for me, is I just don't care right now (about the price drop). When this all blows over, and if it takes 5 years to recover, for me that would be ideal. Keep buying at lower prices. Then again, I'm a fairly new (but older in age) investor. So who knows? Nothing odd about that. It means y...
by mouth
Sun Mar 22, 2020 2:16 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 358
Views: 34973

Re: It's Not Different This Time

I have done a slew of TLH and twice resisted the temptation ... like, one single click away ... from shifting my tax advantaged accounts out of equities. The only thing I've "done" is to not do my rebalance. I am working from these three non-IPS rules at the moment in the hopes, not that I catch the...
by mouth
Thu Mar 19, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 73
Views: 6017

Re: Pay cleaning lady during coronavirus pause?

Asked last weekend if she'd be willing to clean and offered to pay if she didn't. She said she'd clean.

Today I said it was safer for both of us if she didn't clean and to send me her paypal or mailing address. She declined payment.

Her xmas bonus will just be that much bigger.
by mouth
Sat Mar 14, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: Tire question on AWD car
Replies: 14
Views: 1046

Re: Tire question on AWD car

The only answer is to measure the actual tread depth to know just how out of sync you are. Couple that with your research and tolerance and if you decide to stick with it I would suggest at a min doing this Pair the new tire with the used tire possessing the most tread; put those on the REAR Pair th...
by mouth
Sat Mar 14, 2020 2:46 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 29973

Re: How much you lost/gain since Feb 20,2020 ?

down 17.3% from the peak on a 75/25 AA. I resisted shifting to cash at the same time other's have said they felt like the market wasn't in sync with the news about the virus ... oh well. I know doing nothing was still the right thing or I'd learn a lesson that would be very dangerous next time. I'm ...
by mouth
Sun Mar 01, 2020 9:16 am
Forum: Personal Investments
Topic: Does Vang. Interm muni fund make sense anymore?
Replies: 67
Views: 4519

Re: Does Vang. Interm muni fund make sense anymore?

I'm in the 32% bracket and I have three buckets of cash: 5% High Yield Savings - 1.7% right now 30% VWITX - Short Term Tax Exempt - 0.96% SEC / 1.5% TEY 65% VWSTX - Intermediate Tax Exempt - 1.17% SEC / 1.82 TEY ... not enough cash for Admiral shares :( The only reason I still have VWITX is because ...
by mouth
Tue Feb 25, 2020 9:47 pm
Forum: Personal Consumer Issues
Topic: Should I get a safe? What kind? What would you do? How safe is a "safe"?
Replies: 91
Views: 6379

Re: Should I get a safe? What kind? What would you do? How safe is a "safe"?

Protecting data from loss really is a "solved" problem. Paper or digital there is no substitute for copies; stored on another property, city, state, country, continent, planet ... okay maybe planet is over kill. Instead of trying to protect your single copy of something like it's the One Ring, make ...
by mouth
Sun Oct 13, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 136
Views: 17246

Re: Downloadable Social Security Benefit Estimator (2019 Update)

Instead of radio buttons, and two versions, why not just present the user with a 0/1 toggle (which is all radio buttons do in the background) so people can choose what features they want. If things are mutually exclusive, and you don't want to use data validation for compatibility reason, you could...
by mouth
Sun Oct 13, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 136
Views: 17246

Re: Downloadable Social Security Benefit Estimator (2019 Update)

Ha. Yes, I see that now. I entered nothing after 2018. I will play around with future years and see what happens. Thanks for the quick response, and of course, thanks again for creating a terrific tool. What happens if you take your last year of earnings, and put that in the calculator from today f...
by mouth
Wed Sep 18, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Laptop for a student
Replies: 8
Views: 858

Re: Laptop for a student

If you are so technically inclined, and really not THAT technical, consider a used laptop from craigslist. Then do a few things ... Before buying said laptop, confirm how much memory it has, what type of memory it takes, and then plan to buy more memory for it. Chances are any laptop you're buying c...
by mouth
Sun Sep 15, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Roth TSP transfer mechanics
Replies: 18
Views: 1492

Re: Roth TSP transfer mechanics

So now I have to ask, what IS the benefit of pulling Roth funds out of TSP if my intent is to leave the rest in the TSP? Skip for the moment any discussions about TSP > VG or vice versa, are there practical/legal reasons to prefer a Roth IRA over Roth TSP?
by mouth
Sun Sep 15, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Roth TSP transfer mechanics
Replies: 18
Views: 1492

Re: Roth TSP transfer mechanics

I went all the way through to produce the form for a 100% Roth transfer to include inserting my routing and account numbers. What I find confusing is they ask for those numbers, they ask if I want a check or direct deposit, AND the forms have a place for the transfer institution to include who the c...
by mouth
Sat Sep 07, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 427
Views: 67572

Re: Improving the TSP [for current participants]

I think the FRTIB just gifted the financial advisor community a point that they will hammer on to TSP folks to "help them" move their funds from the TSP to TIRA/Roth IRAs, so they won't have to put up with these restrictions. Instead of retaining participants, they've just given them a juicy reason...
by mouth
Sat May 04, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: What kind of Replacement A/C would you get ??
Replies: 59
Views: 7082

Re: What kind of Replacement A/C would you get ??

Who does a " house leak check and insulation assessment " I recently had a heat pump hvac replacement and none of the contractors that gave estimates suggested this.I wish they had because I am not very happy with the overall comfort level in my home. I'd start by contacting your power company. The...
by mouth
Sat May 04, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: What kind of Replacement A/C would you get ??
Replies: 59
Views: 7082

Re: What kind of Replacement A/C would you get ??

Having a system that runs a low-speed fan to deal with individual hot/cold spots in a house is NOT the first thing to consider. You're best off first addressing individual room thermal loads (lots of external wall surface area, windows, air leaks, heat generating equipment, weak ceiling insulation);...
by mouth
Thu Apr 25, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Becoming a Financial Advisor
Replies: 41
Views: 2419

Re: Becoming a Financial Advisor

subbed ... you're situation is my situation.
by mouth
Thu Apr 25, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Router with VPN
Replies: 20
Views: 2692

Re: Router with VPN

OP, you really need to consider what it is you're trying to protect against. If you're surfing from home the questions are, 1) do I trust my machine? and 2) do I trust the network my data is transiting? You also have to wonder if you trust the end-point but you have little to no control over that ou...
by mouth
Thu Apr 25, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6655

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

also for fun https://www.youtube.com/watch?reload=9&v=lGsaqORbyrs I was leaning toward the AmplifiHD because of its stunning performance, especially if you use multiple routers rather than satellites. However, the internet is full of complaints about how they haven’t addressed Guest issues for lite...
by mouth
Thu Apr 25, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6655

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

If I understand your comment, that means that in order to isolate devices off a main network AND allow them to talk to each other (but not the main network), one would need to implement VLAN? Correct. At least to my understanding. Yup. that's it. However, some systems will allow you to configure th...
by mouth
Thu Apr 25, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6655

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

Hopefully those solve your problem. Something to keep in mind of course is you know the Unifi's don't HAVE to be hung anywhere specific any more than any other wifi AP. They ALL suffer from poor placement the same and they all benefit from ideal placement the same. As for pure aesthetics and SAF, I'...
by mouth
Wed Apr 24, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6655

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

You can place your FiOS router into bridge only mode... Can you, OP? That's the Million Dollar question. I took a quick peek today, and I can disable it as a DHCP Server. Do take a look at that link I posted. Not only do you want to disable DHCP but you want to explicitly set the router to operate ...
by mouth
Wed Apr 24, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6655

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I probably have configured it incorrectly. Any ideas? I'm not clear - do all of these have the same SSID and password? If so, roaming should happen automatically. For the moment, let’s forget cabana and garage. The three Airports in the house have same SSID and password. Roaming is fine. When I try...
by mouth
Wed Apr 03, 2019 7:50 pm
Forum: Personal Investments
Topic: Leaving First Command Tax Repercussions
Replies: 35
Views: 3231

Re: Leaving First Command Tax Repercussions

Ugggg I'm so sorry you're dealing with that FirstCommand BS OP. I got sucked in by them back in '96 in my Lt. days when they were USPA & IRA. It was an expensive lesson, but it did get me started investing. Sadly I pulled all my money out just a smidge too soon to get anything out of the Class Actio...
by mouth
Sun Mar 03, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tell The Truth to Boss Why I'm Leaving? (More Money)
Replies: 78
Views: 9172

Re: Tell The Truth to Boss Why I'm Leaving? (More Money)

It's not that I don't believe you. You just haven't given everyone all the facts to make an accurate comparison. So you are getting paid $100/hour, and none of the aforementioned benefits come out of that hourly rate -- they are all in addition to your hourly rate? Please provide comparisons of cur...
by mouth
Sat Mar 02, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Tell The Truth to Boss Why I'm Leaving? (More Money)
Replies: 78
Views: 9172

Re: Tell The Truth to Boss Why I'm Leaving? (More Money)

You sound like a manager I would want to work for - aware of the business, aware of the environment, looking after his best folks. haha thanks. Honestly the only thing keeping me from polishing up my own linkedIN profile and posting to clearedjobs is I love my client and I love my Senior Manager an...
by mouth
Sat Mar 02, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Tell The Truth to Boss Why I'm Leaving? (More Money)
Replies: 78
Views: 9172

Re: Tell The Truth to Boss Why I'm Leaving? (More Money)

I use to be a supervisor, and if an employee was leaving and he told me that he enjoyed working with our company, but was going elsewhere for significant more money, i would harbor no ill feeling and would congratulate him for the better opportunity that awaits him/her. I feel most employers would ...
by mouth
Sun Feb 24, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Another MBA question: Military transition
Replies: 7
Views: 521

Re: Another MBA question: Military transition

I'm now in year five post-retirement from the AF as an O-4 Operations Research Systems Analyst (ORSA). Having been an ORSA meant the translation of my military experience was actually rather easy. But plenty of my transferable skills came from just having been a career military officer with some Sta...
by mouth
Mon Feb 18, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 12716

Re: More Bad News for USAA Bank

According to one of my credit unions that gave a clear explanation about the mobile deposit change, there has been a recent change to the banking regulations to explicitly allow putting mobile deposit endorsements on checks. Expect this change with most institutions. Some were requiring it previous...
by mouth
Sat Feb 16, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 12716

Re: More Bad News for USAA Bank

Full disclosure, I was an officer and I know that USAA bluntly charges enlisted troops and dependents higher rates. There was a thread here where somebody posted the different tiers of USAA. The lower the tier the more like kely you are to pay more. As the child of an officer I am in the second tie...
by mouth
Sat Feb 16, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 12716

Re: More Bad News for USAA Bank

According to one of my credit unions that gave a clear explanation about the mobile deposit change, there has been a recent change to the banking regulations to explicitly allow putting mobile deposit endorsements on checks. Expect this change with most institutions. Some were requiring it previous...
by mouth
Sat Feb 16, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 12716

Re: More Bad News for USAA Bank

My parents had a lot of problems with them in 2018. Very disappointing. I think their insurance arm is still ok. At least for auto insurance, I find their current rates terrible. My premium for two cars went down >45% for identical coverage by switching, wish I'd rate-shopped a couple of years soon...