Search found 747 matches

by sco
Fri Nov 03, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: "Best" Online Degree if already a college graduate
Replies: 120
Views: 16144

Re: "Best" Online Degree if already a college graduate

In my 30 year megacorp career, the best place to get a degree is where the hiring manager (or CFO, or HR Head) went to school! One of my CFO's got his degree at Princeton. If you didn't go there, or at least to an Ivy, you were way down the chain. Next CFO (same Fortune 50 company) went to Wichita ...
by sco
Fri Nov 03, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: what % return do you use?
Replies: 62
Views: 5191

Re: what % return do you use?

My guess is 5% real.

Just so I have some idea, I know that it won't end up being as linear..
by sco
Thu Nov 02, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: "Best" Online Degree if already a college graduate
Replies: 120
Views: 16144

Re: "Best" Online Degree if already a college graduate

Anyone that went to a for profit degree mill, like UOP, tells me they went for the piece of paper and wasn’t serious about the actual education. It’s not a neutral, it’s a negative and I’d never consider hiring someone who has a UOP degree. I get you have to filter on stuff, as there are so many ap...
by sco
Wed Nov 01, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 10342

Re: My 401k is almost all cash now. 1/2 Mil

It has cost you a lot of money just sitting on that much cash, and not just the market returns that you could have had. Find a stock/bond allocation that you can live/sleep with and stick with it. I'd suggest something like 50/50 or 40/60? But would you be able to stick with it? 1/2 Million isn't en...
by sco
Wed Nov 01, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 5959

Re: Southwest Companion Pass [California only]

tapotti wrote:
Wed Nov 01, 2017 2:46 pm
Just got approved as well.

Are you sure about that 2 years deal?
It all depends when the points post, and they will always give you the pass for your current year and then the next one.
by sco
Tue Oct 31, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Fuel treatments for small engines
Replies: 32
Views: 2769

Re: Fuel treatments for small engines

sunny_socal wrote:
Tue Oct 31, 2017 2:13 pm

My Stihl chainsaw manual specifies high octane gas. I therefore use it in all my small engines and they haven't complained! 8-)
I don't own a chainsaw. :)

Yeah the others won't complain, just don't need it. I'd do the same.
by sco
Tue Oct 31, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Fuel treatments for small engines
Replies: 32
Views: 2769

Re: Fuel treatments for small engines

For my snow blower and lawn mower I only use high octane fuel which has no ethanol. I thought that was common knowledge. When not in use I put stabilizer in the tanks and run the engine once. Myth buster; only MO and MT permit ethanol-free premium fuel. BTW ethanol has an octane rating of 113. I ca...
by sco
Mon Oct 30, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: How to request 401k fund changes from employer?
Replies: 4
Views: 602

Re: How to request 401k fund changes from employer?

That is a great plan and has everything you need, although not necessarily everything that you want.....

If you do ask for changes, don't be surprised if it falls on deaf ears.

You have a really good plan already.
by sco
Mon Oct 30, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA sanity check (two HDHP and 2 HSA's)
Replies: 18
Views: 1181

Re: 2018 HSA sanity check (two HDHP and 2 HSA's)

In your scenario she will receive 100% of her benefit from 62 until you claim at 70, then you will receive 100% of your benefit and she would receive 50% of your benefit. Regardless of the order of passing the widow/widow will receive 100% of your benefit. So you should factor that into your planni...
by sco
Mon Oct 30, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 5443

Re: Interesting twist to "Free 2-day shipping" at Walmart

You realize that for a large portion of the country, Walmart is THE place to shop. Many small towns don't have a lot of other options...
by sco
Mon Oct 30, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA sanity check (two HDHP and 2 HSA's)
Replies: 18
Views: 1181

Re: 2018 HSA sanity check (two HDHP and 2 HSA's)

he is above and she is below the 2nd bend. My thought has always been that she would claim at 62 and him at 70, to maximize SS benefits. My assumption is she could only take 50% of his after his death? I’ll have to read more on this, will have to fine some detailed articles.. most seem to just skim ...
by sco
Mon Oct 30, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA sanity check (two HDHP and 2 HSA's)
Replies: 18
Views: 1181

Re: 2018 HSA sanity check (two HDHP and 2 HSA's)

It would reduce her Social Security (SS) Earnings. Whether that would decrease any actual benefits received would depend on whose record under which she received benefits. When a couple receives SS benefits, the lower earning spouse only claims there own benefit of it is >= 50% of the higher earnin...
by sco
Mon Oct 30, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA sanity check (two HDHP and 2 HSA's)
Replies: 18
Views: 1181

Re: 2018 HSA sanity check (two HDHP and 2 HSA's)

His Insurance is HDHP Employee + Children Her's Insurance is HDHP Employee only His Employer Contributes $1000 to his HSA Her Employer Contributes $1680 to her HSA There should still be room for one of us to contribute $4220 to reach the $6900 HSA limit this yet.. Due to rounding errors, # of paych...
by sco
Mon Oct 30, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA sanity check (two HDHP and 2 HSA's)
Replies: 18
Views: 1181

Re: 2018 HSA sanity check (two HDHP and 2 HSA's)

This is great info, thanks for your assistance.

It didn't occur to me that this would impact the tax deferred space, until after I started thinking about the SS aspect of things...
by sco
Mon Oct 30, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA sanity check (two HDHP and 2 HSA's)
Replies: 18
Views: 1181

Re: 2018 HSA sanity check (two HDHP and 2 HSA's)

2. Any reason to have him or her prefer doing the $4200 ish contribution? He is over SS limits for salary, she is not. Not sure if this makes any difference. - This definately makes a difference as it is an additional 7.5% tax savings using her paycheck withholding. Would it reduce her SS income? M...
by sco
Mon Oct 30, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA sanity check (two HDHP and 2 HSA's)
Replies: 18
Views: 1181

2018 HSA sanity check (two HDHP and 2 HSA's)

His Insurance is HDHP Employee + Children Her's Insurance is HDHP Employee only His Employer Contributes $1000 to his HSA Her Employer Contributes $1680 to her HSA There should still be room for one of us to contribute $4220 to reach the $6900 HSA limit this yet.. Due to rounding errors, # of payche...
by sco
Sun Oct 29, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 5443

Re: Interesting twist to "Free 2-day shipping" at Walmart

There is all sorts of stuff at amazon at is cheaper without the "free shipping".. Exactly who do you think pays for that shipping?
by sco
Thu Oct 26, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 297
Views: 37350

Re: MoviePass-Too good to be true, but it's legit.

SO here locally I have one theatre that is $12 for a normal ticket, and another that is $4.25.... This looks like a good deal (for a while?) if you watch a lot of movies, but we don't...
by sco
Thu Oct 26, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 5959

Re: Southwest Companion Pass [California only]

It is too bad the offer didn't expire Jan 2018, then you would have the pass until end of 2019.. It is common with the normal offers to wait until Jan to finish the qualifying event (normally a purchase.) Note that you can still do this for the 40k points for $1000 minimum spend (or whatever it was...
by sco
Thu Oct 26, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal first hand experiences ? (new Employer benefit)
Replies: 14
Views: 2405

Re: Hyatt Legal first hand experiences ? (new Employer benefit)

We actually just recently had our POAs, wills and trusts completed through Hyatt Legal. They gave us a list of attorneys in the area and then we researched each one before deciding on one. Our experience with our attorney was overall very good. One thing to note is that the documents seem be 'recyc...
by sco
Thu Oct 26, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 5959

Re: Southwest Companion Pass [California only]

It is too bad the offer didn't expire Jan 2018, then you would have the pass until end of 2019..

It is common with the normal offers to wait until Jan to finish the qualifying event (normally a purchase.)
by sco
Thu Oct 26, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Any first class flights from PHX (Phoenix) to HI (Hawaii) on a 747??
Replies: 40
Views: 3071

Re: Any first class flights from PHX (Phoenix) to HI (Hawaii) on a 747??

Hawaii tends to not get the premium aircraft, the fares just aren’t high enough for a mostly leisure destination.

The AA 767 out of DFW is pretty good. I’d stay away from the narrow body 757s, I’ve never found them as comfortable on any carrier
by sco
Thu Oct 26, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 5091

Re: How to get over the fear of traveling without spouse and children?

What Are the Odds of Dying From... It might seem a bit morbid, but human nature leads us to contemplate our demise. We sometimes wonder, "What are my odds of dying from..."? Are you more likely to be killed in a car crash or shot to death by an assailant? Is it really that rare to be struck by light...
by sco
Thu Oct 26, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 5091

Re: How to get over the fear of traveling without spouse and children?

If it makes you feel better, statistically you are much more likely to die driving around town (or to the airport) than actually flying on Commercial Airlines.
by sco
Thu Oct 26, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 5959

Re: Southwest Companion Pass [California only]

BusterMcTaco wrote:
Thu Oct 26, 2017 1:20 am
sco wrote:
Wed Oct 25, 2017 10:48 pm
I did that last year, and don't live in CA...


The points that post, qualify for the Companion pass.
This is different. It's instant CP after first purchase. No need for 2 cards, timing hitting minimum spend, etc.
Ah, I see.
by sco
Wed Oct 25, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 5959

Re: Southwest Companion Pass [California only]

I did that last year, and don't live in CA...


The points that post, qualify for the Companion pass.
by sco
Wed Oct 25, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal first hand experiences ? (new Employer benefit)
Replies: 14
Views: 2405

Re: Hyatt Legal first hand experiences ? (new Employer benefit)

Used for Trusts, Wills, POA's, traffic tickets, basic questions, and contract review. I now keep it each year, even if I don't know what I will use it for. It is cheaper here to have it for a year than to get a traffic ticket fixed, which is a pretty remedial task. Look up your local lawyers if you ...
by sco
Wed Oct 25, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to save inheritance from grandfather for 18 & 20 year old sons
Replies: 28
Views: 3376

Re: How to save inheritance from grandfather for 18 & 20 year old sons

I agree. Now that this has become untangled and as long as the BILs are willing, gifting the boys the money is probably the easiest way. That would keep it very simple. If the BILs are married, can't they gift up to $28k a year as a couple? Pretty much. Technically the spouse gifts 14k and the brot...
by sco
Wed Oct 25, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: How to save inheritance from grandfather for 18 & 20 year old sons
Replies: 28
Views: 3376

Re: How to save inheritance from grandfather for 18 & 20 year old sons

If the total amount is really 50k ish, It seems the simpliest way is to have the Brothers gift it to you (on your childs behalf), or just directly to the children. Each brother can gift 14k a year with no paperwork, if I recall. Between 2017 and 2018 this should be plenty of room to move the money. ...
by sco
Mon Oct 23, 2017 11:56 pm
Forum: Investing - Theory, News & General
Topic: Has the general public ever been correct about market crashes?
Replies: 47
Views: 4597

Re: Has the general public ever been correct about market crashes?

JustinR wrote:
Fri Oct 20, 2017 4:47 pm
Has the public ever been right about anything market timing related?
The public is always right on market timing.

It is just a matter of the timeframe.

it will always go down some, and up some..
by sco
Wed Oct 11, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 31651

Re: Iphone X is $1000

What is truly amazing, and has been for some time. Is how much Apple can charge for internal storage. What value do they add there, besides the fact that you can't upgrade it yourself?
by sco
Tue Oct 10, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: How to move a portfolio out of a traditional advisor service?
Replies: 18
Views: 1368

Re: How to move a portfolio out of a traditional advisor service?

Are there advisors or services that help with taking an existing portfolio and transitioning it to a “Bogleheads style” portfolio which over time I can manage myself? Yes, vanguard but there are others. Some may still push the higher fee stuff. vanguard, Fidelity and Schwab come to mind. Are flat fe...
by sco
Fri Sep 29, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: Pension shortfalls and changes in Muni bond allocation?
Replies: 14
Views: 1994

Re: Pension shortfalls and changes in Muni bond allocation?

Is there one over-arching error all these pension funds made that got us here today? How come the pension funds aren't fat and happy like so many of the BH here in lieu of the last ten years? I understand that a pension fund and an individual are massively different but could you *explain like I'm ...
by sco
Fri Sep 29, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Paid off Debt...credit score dropping and future mortgage
Replies: 34
Views: 3190

Re: Paid off Debt...credit score dropping and future mortgage

Really though, at the point where your credit score drops because you have no credit (again) who cares?
by sco
Fri Sep 29, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: determining the cost of choosing where to live
Replies: 10
Views: 1166

Re: determining the cost of choosing where to live

It's not really a question. I am just trying to write this down and in doing so clarify my thinking. Suppose I want to maximize savings (e.g. the difference between salary and expenses), am I thinking about this the right way? All other things are equal (ie lifestyle etc) the expenses outside of ho...
by sco
Thu Sep 28, 2017 11:34 pm
Forum: Investing - Theory, News & General
Topic: No More Saving???
Replies: 114
Views: 12153

Re: No More Saving???

The giving doesn't have to be to just charities, there may be others deserving of something under the reporting thresholds...
by sco
Thu Sep 28, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 7765

Re: I'm shocked! [Mother 100% in bonds and annuities]

Simplifying is good. Just so she is comfortable with what she has and where it is. At her age, she has no need to take risk and is pretty well set. There is no reason to talk her into anything... Once she eventually passes, you can do what you will with the inheritance (assuming it doesn't go to cha...
by sco
Thu Sep 28, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Home security advice
Replies: 15
Views: 1964

Re: Home security advice

Buy an Cop car, park it outside, along with one of those flags with the blue line on them....

Works best if your neighbors do the same ;)
by sco
Thu Sep 28, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rollover - Asset Allocation Help
Replies: 7
Views: 754

Re: 401K Rollover - Asset Allocation Help

Thanks for the input Sco! I wanted to have some money in cash temporary so when the market drops (I know I shouldn't be market timing, but gives me some excitement cuz i love a good bargain :)) I would use the cash to buy more shares so eventually the cash would all move to the funds. Also are you ...
by sco
Thu Sep 28, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: 401K Rollover - Asset Allocation Help
Replies: 7
Views: 754

Re: 401K Rollover - Asset Allocation Help

If you are going to keep cash (not sure why)? Then put it and the Bonds in the traditional IRA. Roth IRA should have the Stocks. Obviously your AA may require some stocks in the Traditional as well, and that is fine. The idea is to have the highest growth in the account that will never be taxed, and...
by sco
Tue Sep 26, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 51
Views: 5820

Re: Comfort level re: tracking at physical shopping centers

Don't install the stores app, and either don't take your phone into the store or shut it down. (Offline, not always Airplane mode "Thanks Apple")

Also, don't sign up for the loyalty programs..

That will get rid of 95% of it.
by sco
Tue Sep 26, 2017 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 26
Views: 6172

Re: Wellesley and Wellington instead of VTINX?

Let me explain why I am even considering making a slight move into more actively managed funds vs indexed funds. (I would never agree to hiring a FA unless it's a fallback position for my wife once I am drooling and wetting my pants and can no longer make rational financial decisions.) A group of f...
by sco
Tue Sep 26, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Bonus and tax question
Replies: 14
Views: 1609

Re: Bonus and tax question

I would take it in Jan '18 because: You've had a high income year in '17. You could lose your job, have a stroke, or any number of income reducing calamities for '18. The 2018 tax rates are unknown, and I like to gamble. +1 Or Ditto, whichever you prefer. You don't expect your bonus to be as high n...
by sco
Tue Sep 26, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: Buying 14 Plane Tickets - Sac to Cabo San Lucas
Replies: 14
Views: 2209

Re: Buying 14 Plane Tickets - Sac to Cabo San Lucas

For that many people you might consider chartering a plane. Considerably more comfortable and you can skip the TSA security stuff. While there are valid reasons to charter a plane, cost is not one of them. There is no way 14 people/tickets is going to be cheaper on a charter operation than on the a...
by sco
Sat Sep 23, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 4572

Re: Luxury Car Purchase

Does the financial adviser make more money if you don't spend the money?
by sco
Fri Sep 22, 2017 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Warren Buffett and Bond Funds
Replies: 33
Views: 3479

Re: Warren Buffett and Bond Funds

... how have the dividends been? About dividends of IBM - here is what someone wrote on another forum. I wish it was me writing this. "Although I sold all my shares of a larger position in IBM early this year, I have started to cautiously and slowly buy back shares- at a lower share price than my s...
by sco
Fri Sep 22, 2017 11:11 pm
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 4375

Re: AA if you were just starting out again

at 20 100 Equities and 0 Bonds. At 40 I am 80/20 ish.. Depends what you call a bond (could be less)

I could see it going to 60/40 or extreme 40/60 in retirement.
by sco
Tue Sep 19, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2710
Views: 530328

Re: What's Your Credit Card Rewards Strategy?

SO was just approved for Southwest Plus and Premier today. With the bonus at 60,000 on each card, that is an easy Companion Pass for all of 2018 and 2019 :D We sent Chase a message, and confirmed that we have until 1/11/18 to meet the minimum spend. We plan to spend ~$1500 on each card between now ...