Search found 364 matches

by TOJ
Tue Oct 11, 2016 7:25 pm
Forum: Personal Investments
Topic: Question: Fidelity 401k - Brokerage Link
Replies: 29
Views: 5748

Re: Question: Fidelity 401k - Brokerage Link

Guys at work love it, and use it to buy individual stocks. It baffles me because our 401k options are excellent.
by TOJ
Tue Oct 11, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: Replace Fence Posts vs. Replacing Fence
Replies: 18
Views: 3539

Re: Replace Fence Posts vs. Replacing Fence

Cedar posts will rot faster than pressure treated posts. Galvanized is better than pressure treated is better than cedar posts. Cedar for the pickets. Pressure treated for the rails.
by TOJ
Tue Oct 11, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Trying to Quit Smoking, Buying a Vape
Replies: 21
Views: 3095

Re: Trying to Quit Smoking, Buying a Vape

I've quit smoking. Do not swap addictions, which is the path you're headed down.
by TOJ
Mon Oct 10, 2016 12:44 pm
Forum: Personal Investments
Topic: Moving 401k to IRA
Replies: 16
Views: 1598

Re: Moving 401k to IRA

Why do brokerages urge people to move 401(k) money to an IRA? I have money with an old 401(k) plan and almost every time I call I'm encouraged to move it to an IRA until I cite the backdoor issue. Typical 401k plans have higher fees and worse options than an IRA. Maybe they're being helpful. Plus a...
by TOJ
Mon Oct 10, 2016 12:41 pm
Forum: Personal Investments
Topic: Max out 401k too early?
Replies: 20
Views: 2667

Re: Max out 401k too early?

The only people that can help the OP is his HR department.
by TOJ
Sat Oct 08, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: Budget car advice; so so tired of the noise levels
Replies: 75
Views: 17493

Re: Budget car advice; so so tired of the noise levels

*3!4!/5! wrote:
TOJ wrote:The irony is that deaf people are allowed to drive.
What?
As far as I know, deaf people are allowed to drive, yet driving with ear plugs is illegal (in many states).
by TOJ
Sat Oct 08, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Budget car advice; so so tired of the noise levels
Replies: 75
Views: 17493

Re: Budget car advice; so so tired of the noise levels

The irony is that deaf people are allowed to drive.
by TOJ
Sat Oct 01, 2016 5:26 pm
Forum: Investing - Theory, News & General
Topic: If you own Vanguard Total Stock Market, do you re-invest dividends?
Replies: 75
Views: 13990

Re: If you own Vanguard Total Stock Market, do you re-invest dividends?

In taxable accounts I never reinvest as it creates too many tax lots What are the practical issues with this? I've owned shares of KO in a taxable account for many years, with every dividend being reinvested. I've just worked on the assumption that once the gains are long-term, the tax lots would b...
by TOJ
Sat Oct 01, 2016 3:09 pm
Forum: Personal Investments
Topic: A broker's response to 3 Fund Portfolio
Replies: 61
Views: 8466

Re: A broker's response to 3 Fund Portfolio

I am trying to help my wonderful bride modify her Schwab holdings of approximately $500K. I'm happy to list them out the funds in the portfolio individually if necessary but there are about 25 funds that she is currently in. I suggested the 3 Fund Portfolio based upon similar Schwab holdings: Schwa...
by TOJ
Sat Oct 01, 2016 1:21 pm
Forum: Personal Investments
Topic: A broker's response to 3 Fund Portfolio
Replies: 61
Views: 8466

Re: A broker's response to 3 Fund Portfolio

Question: If fund performance is reported net of fees, then isn't the broker right? I am a low cost index fund investor myself. But this is a question I have always had. Returning 12% after paying 1% in fees beats returning 10% after paying 0.05%, right? Funds have an incentive to return as much as ...
by TOJ
Sat Oct 01, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Nonstick pots and pans, what is the consensus?
Replies: 45
Views: 5927

Re: Nonstick pots and pans, what is the consensus?

I have a $40 T-fal 12" nonstick pan from Amazon that works great for everything I've thrown at it.
by TOJ
Fri Sep 30, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: How much Umbrella Insurance coverage needed?
Replies: 65
Views: 17035

Re: How much Umbrella Insurance coverage needed?

Geico seemed to finally update their site so that you can get a quote online instead of having to call. And you see it next to your auto policy on the same page.
by TOJ
Thu Sep 29, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: HSA election vs. waiving coverage
Replies: 8
Views: 633

Re: HSA election vs. waiving coverage

What's the cost if she waives hers and goes to yours? Then you get access to the family contribution. But you'd need to compare the big picture. Network, deductibles, out of pocket max, etc. HDHPs have the benefit (usually, from what I've seen), that everyone is working on the same deductible and OO...
by TOJ
Thu Sep 29, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: HSA election vs. waiving coverage
Replies: 8
Views: 633

Re: HSA election vs. waiving coverage

beasy44 wrote:Ok, so that is the main question I was looking for an answer to - I can't be a part of a HDHP as well as another health plan at the same time?

Thanks.
Well, I think you can be covered by both plans.

But you would not be able to contribute to the HSA. So, the purpose of the HDHP would be defeated.
by TOJ
Thu Sep 29, 2016 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: HSA election vs. waiving coverage
Replies: 8
Views: 633

Re: HSA election vs. waiving coverage

What's your marginal tax rate? That's how you calculate the tax savings of the HSA contributions.

If you get put on a traditional plan with your spouse, you cannot contribute to your HSA.
by TOJ
Thu Sep 29, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: HSA when expecting baby?
Replies: 20
Views: 1500

Re: HSA when expecting baby?

snip You are correct. Because you both are on single plans, you can only put the SINGLE contribution into your HSA. It sounds like your wife's plan is a traditional copay plan (not an HDHP/HSA plan), so if the baby goes on hers, you will still only be able to do the single contribution. You need to...
by TOJ
Thu Sep 29, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: HSA when expecting baby?
Replies: 20
Views: 1500

Re: HSA when expecting baby?

I've read the thread twice and it seems like it's all over the place. You and wife are currently on two single insurance plans? If so, your max HSA contribution this year is $3350, and you should do it. Reduce 401k contributions to get extra cash flow, if needed. Then, wife is stopping working once ...
by TOJ
Sat Sep 24, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Request to add income to credit card profile
Replies: 10
Views: 1466

Re: Request to add income to credit card profile

I like high credit limits so I always answer. They always seem to bump me up without me having to ask.
by TOJ
Sat Sep 24, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best online bill payment service.
Replies: 30
Views: 3814

Re: Best online bill payment service.

. I suppose there may be a good reason to use "bill pay" but I have not figured it out yet. For bills that don't take credit cards, I prefer to "push" money than let them "pull" it. Especially in the case of automatic payments. Do not want some unforeseen error pulling out an incorrect amount of mo...
by TOJ
Mon Sep 19, 2016 9:57 pm
Forum: Personal Investments
Topic: Should I make Roth or Traditional 401k contributions?
Replies: 5
Views: 729

Re: Should I make Roth or Traditional 401k contributions?

Not enough info.

Salary?
State?
Marital status?

You need to find out the marginal tax rate of your taxable income. Not gross income.
by TOJ
Sat Sep 17, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 56
Views: 9055

Re: HSABank: How to withdraw money and reflect it in taxes?

I also use my fidelity CC for medical expenses and reimburse myself in exact amounts. I use a google spreadsheet to track it all. Not a lot of overhead.
by TOJ
Fri Sep 16, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 56
Views: 9055

Re: HSABank: How to withdraw money and reflect it in taxes?

Custodians do not care if you follow the rules. They won't ask for receipts. That's between you and the IRS.
by TOJ
Wed Sep 14, 2016 9:10 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Bank Balance better predictor of happiness than Total Wealth
Replies: 43
Views: 8788

Re: WSJ: Bank Balance better predictor of happiness than Total Wealth

We barely have more than $200 in our checking accounts at any given time. :D EVERYTHING goes into savings. If something comes up, we grudgingly pull it out from the savings. But we don't keep money unnecessarily in pitiful checking. I remember once finding an ATM slip at the local gas-beer-live bai...
by TOJ
Wed Sep 14, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 4951

Re: iOS 10 available today

I have found one annoyance. The keyboard (in both chrome and safari) does not change back to letters automatically after tapping the space after putting in a symbol, like a comma or period. It's actually a pretty big bummer. I swear I've never had to hit ABC after adding a comma or period. It seems ...
by TOJ
Wed Sep 14, 2016 7:09 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 4951

Re: iOS 10 available today

iOS 10 is working great on my 6+.
by TOJ
Wed Sep 14, 2016 7:07 pm
Forum: Personal Consumer Issues
Topic: Does buying a new vehicle make sense when...
Replies: 26
Views: 3499

Re: Does buying a new vehicle make sense when...

Who wants to have to store a trailer?
by TOJ
Tue Sep 13, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: Amazon consumer review programs
Replies: 26
Views: 3149

Re: Amazon consumer review programs

I don't buy items that have those reviews.
by TOJ
Mon Sep 12, 2016 8:54 pm
Forum: Personal Investments
Topic: What to put in Roth IRA? New to investing in mid-30s
Replies: 10
Views: 1717

Re: What to put in Roth IRA? New to investing in mid-30s

REITs are not suitable to be a sole holding.

I would recommend total US stock or a balanced fund like life strategy growth.
by TOJ
Sat Sep 10, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Prospective Employer Wants Salary History & Desired Salary
Replies: 265
Views: 26940

Re: Prospective Employer Wants Salary History & Desired Salary

CFOKevin wrote:I like to know what someone is getting paid because I like to make offers that are easily accepted.
This is a non sequitur. Do you only offer a certain amount above current salary? Why do you need an HR staff if that is the only analysis that is done?
by TOJ
Thu Sep 08, 2016 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Prospective Employer Wants Salary History & Desired Salary
Replies: 265
Views: 26940

Re: Prospective Employer Wants Salary History & Desired Salary

Much of this thread seems to be based on how employees can avoid being underpaid and employers can avoid overpaying. But what is the appropriate amount of compensation? It's sounds like it's largely based on what other people are getting. But shouldn't it be what the person thinks is fair for thems...
by TOJ
Thu Sep 08, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Prospective Employer Wants Salary History & Desired Salary
Replies: 265
Views: 26940

Re: Prospective Employer Wants Salary History & Desired Salary

I was recently asked what my salary is and when my bonus is paid. Answered honestly as I was caught off guard. HR is a joke.
by TOJ
Thu Sep 08, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Newly Married Financial Checklist
Replies: 7
Views: 1211

Re: Newly Married Financial Checklist

Are you aligned on expectations for who will/will not be employed if you have kids?
by TOJ
Thu Sep 08, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 18528

Re: Who is ready for iphone 7?

So far there is no price drop. They know that would just sell 6Ses.
by TOJ
Thu Sep 08, 2016 12:11 am
Forum: Personal Consumer Issues
Topic: Breaking the iPhone cycle - Any Macbook users with Android Phones?
Replies: 49
Views: 6307

Re: Breaking the iPhone cycle - Any Macbook users with Android Phones?

Interesting to see the Android love here. I've been a diehard anti-apple person since the iphone came out. I've used every smartphone from WebOS to Windows Phone to Android. On android, I've always gotten the flagship phone, the one that was $200 plus a contract. The S4, LG G3, etc. I broke down and...
by TOJ
Tue Sep 06, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting lake property with 2 other siblings
Replies: 60
Views: 6804

Re: Inheriting lake property with 2 other siblings

I have a problem paying a sibling market value for something that they did not buy and/or work for. Do you have a problem with a sibling paying you/wife market value? Did you volunteer your labor or do the in-laws owe you money for your labor? If they owe but can't pay, put a lien on the property s...
by TOJ
Tue Sep 06, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting lake property with 2 other siblings
Replies: 60
Views: 6804

Re: Inheriting lake property with 2 other siblings

I have married into in the second generation of a similar situation to the OP. The grandparents have died, passing a property onto their 3 kids. Those 3 kids have each had 2-4 kids. I married one of those kids. This situation is going to get ugly. The 3 original kids are now advancing in age and are...
by TOJ
Tue Sep 06, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Convincing spouse to sell losing investment
Replies: 58
Views: 6477

Re: Convincing spouse to sell losing investment

Proceed with great caution. Your marriage is at risk. People argue more, and more bitterly, about money than about anything else, and everything described makes it sound as if this is a time of financial stress for the both of you. This all falls in the category of "easy to say and hard to do," but...
by TOJ
Tue Sep 06, 2016 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Convincing spouse to sell losing investment
Replies: 58
Views: 6477

Re: Convincing spouse to sell losing investment

Isn't marriage wonderful? Spouse has a say in the allocation of every dollar you make, but her money is hers. (Or his, whatever). It's easy to see how things get bad. I have done this same thing. I have no good advice, as you are doing the same thing I did. Talk till you are blue in the face about t...
by TOJ
Mon Sep 05, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Car leases: not that expensive, after all, if you can't do maintenance yourself?
Replies: 32
Views: 7125

Re: Car leases: not that expensive, after all, if you can't do maintenance yourself?

I drive a 13 year old car. Most times that I take my car to the dealership for service, I'm often told that part X is worn and needs replacing, part Y is broken, and part Z is about to break. This may or may not be true, but I have no way of knowing . Since I am not keen on the idea of some catastr...
by TOJ
Sun Sep 04, 2016 6:09 pm
Forum: Personal Investments
Topic: 401K (probably with high fees funds) or taxable account?
Replies: 15
Views: 2207

Re: 401K (probably with high fees funds) or taxable account?

lagflag wrote:My point is:
401K tax advantage is just a temporary, later you will be paying taxes anyways on that money plus the earnings when you retire. That said, why not invest the same amount in a taxable account?
Because in taxable, you put taxed money in and pay taxes on the growth and dividends later.
by TOJ
Sun Sep 04, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: Wood Chipper -- Harbor Freight?
Replies: 40
Views: 17804

Re: Wood Chipper -- Harbor Freight?

jabberwock wrote:Cut trees down and trim and stack over time over the course of how ever long that takes. Once the trees are all down and trimmed, it is time to rent a big chipper for one weekend.
Bingo. Wood chipper is the perfect rental tool.
by TOJ
Sun Sep 04, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Anyone else drive a Tacoma?
Replies: 43
Views: 7016

Re: Anyone else drive a Tacoma?

I had a 99 that I should have kept far longer than I did. Had an itch I couldn't scratch for a full size truck.
by TOJ
Thu Sep 01, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: WSJ $99 for 6 months -- worth it?
Replies: 62
Views: 11141

Re: WSJ $99 for 6 months -- worth it?

I am a big fan. Their app is great. Breaking news notifications. You'll find that the WSJ is earlier to news than any other source.
by TOJ
Tue Aug 30, 2016 10:20 am
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 13214

Re: Fidelity competing harder w/Vanguard

...which I think is still probably double the cost I could buy a non-Vanguard Mutual fund from my Vanguard account. I think Vg charges on buy & sell but Fido only on the buy. Fidelity wins the fee game (in a negative way) since the $50 front end transaction cost compounds against you for the whole ...
by TOJ
Mon Aug 29, 2016 9:27 pm
Forum: Investing - Theory, News & General
Topic: Outlook on oil
Replies: 54
Views: 5677

Re: Outlook on oil

I think people are way too optimistic on the pace of EV adoption and its effect on the price of oil. Have you test-driven any EVs yet? :beer I have nothing against the cars. But, Where do all the cars that don't live in garages charge (urban street parking, apartments)? Gas stations can "recharge" ...
by TOJ
Mon Aug 29, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5062
Views: 1300363

Re: What Movie Have You Recently Watched?

Remember, which is free on Amazon prime. Loved it.
by TOJ
Mon Aug 29, 2016 8:07 pm
Forum: Investing - Theory, News & General
Topic: Outlook on oil
Replies: 54
Views: 5677

Re: Outlook on oil

I think people are way too optimistic on the pace of EV adoption and its effect on the price of oil.
by TOJ
Fri Aug 26, 2016 6:00 pm
Forum: Investing - Theory, News & General
Topic: "Are Index Funds Eating the World?"
Replies: 44
Views: 7785

Re: "Are Index Funds Eating the World?"

bottlecap wrote:
If index funds become so popular that the market becomes inefficient, I will be one of the first to jump ship and go with active funds.
How would you know to do that?