Search found 364 matches

by TOJ
Sun Mar 05, 2017 11:44 am
Forum: Personal Investments
Topic: Can We Retire Now? Should I Max AT 401K in the Last Year
Replies: 24
Views: 3877

Re: RIF, Max AT 401K? RE?

Reduction In Force?
by TOJ
Fri Mar 03, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 6310

Re: Giving my lawn the TLC it needs

Think $12 for 50lb bag of 15-5-10. Fertilizer is more expensive than that nowadays. I just bought a bag of 15-5-10, but a significant fraction was "sulfur-coated" to make it slow-release, so it was more expensive for that reason, too. I'm in the Houston area. Even when I was in DFW, feed stores wer...
by TOJ
Fri Mar 03, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 6310

Re: Giving my lawn the TLC it needs

Need more research. Many of the things you listed are meant to be applied before seeds germinate. Skip the weed and feed. Find out what kind of grass you have and look up its ideal mowing height and frequency. And how much water it needs and how frequently it needs it. That is 90% of the battle. The...
by TOJ
Thu Mar 02, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 6515

Re: Grass trimmer

I bought the $200 Home Depot echo job last year after a lifetime of $80 gas trimmers. I am underwhelmed. I am going to sell it and buy the $300 husqvarna 4-stroke this year.
by TOJ
Tue Feb 28, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Fidelity offers buy outs to reduce workforce
Replies: 26
Views: 5101

Re: Fidelity offers buy outs to reduce workforce

Hopefully younger generations are paying attention.
by TOJ
Mon Feb 27, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: standing water around house
Replies: 24
Views: 5778

Re: standing water around house

How long does it stay?
by TOJ
Mon Feb 27, 2017 5:01 pm
Forum: Personal Investments
Topic: Should we pay off our mortgage?
Replies: 44
Views: 3190

Re: Should we pay off our mortgage?

Depends. (sorry not to have jumped on the band wagon :D ) What does the rest of your portfolio look like? Are you on track to get to your early retirement goals? 2.875% fixed is a low rate - with the mortgage tax deduction, it will be even lower. And you get that rate by putting your cash in a long...
by TOJ
Sat Feb 25, 2017 12:17 am
Forum: Personal Investments
Topic: Talking with parents' financial advisor
Replies: 52
Views: 6450

Re: Talking with parents' financial advisor

gwrvmd wrote:People are unlikely to take financial advise from someone whose bottom they have powdered
Gordon
Well put! My dad is never going to listen to me.
by TOJ
Fri Feb 24, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 117
Views: 15164

Re: For people who think the market is going to crash, where along the continuum are we?

https://en.wikipedia.org/wiki/Wealth_inequality_in_the_United_States No. Actually, the correct statement is only the top 1% to 10% is doing well. The share of wealth by the top 1% to 10% is growing. Beyond the income inequality, there is a wealth inequality and it is getting worse. Yes, the top 1-1...
by TOJ
Fri Feb 10, 2017 10:23 am
Forum: Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 8466

Re: Child on the Way - What to do for College Financing?

OP, your life is about to completely change. From experience, and no offense intended, your post reads like someone who has not yet wrapped his mind around having a smaller portion of the pie dedicated to him. E.g., to this point, you've been able to do whatever you want with your money in the prec...
by TOJ
Fri Feb 10, 2017 9:29 am
Forum: Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 8466

Re: Child on the Way - What to do for College Financing?

OP, your life is about to completely change. From experience, and no offense intended, your post reads like someone who has not yet wrapped his mind around having a smaller portion of the pie dedicated to him. E.g., to this point, you've been able to do whatever you want with your money in the preci...
by TOJ
Fri Feb 10, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Why don't stock prices go up on payday?
Replies: 43
Views: 6813

Re: Why don't stock prices go up on payday?

Regardless of the specific day the investments take place, there is a huge amount of money flowing into the stock market on a regimented basis, regardless of price or performance. It's hard for me to wrap my round around it sometimes. Not necessarily the amount of money, but that millions of us in i...
by TOJ
Wed Feb 08, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 20071

Re: Hardwood floors vs Wood Look Tile?

Had wood look tile in our first house and I can't wait to get it in this house. Zero maintenance and looks nice to my eye.
by TOJ
Sat Jan 28, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Addicted to Technology/Information.
Replies: 5
Views: 996

Re: Addicted to Technology/Information.

The alternative is to be woefully under informed. I can't stand talking to people who only know the headlines which are often misleading.
by TOJ
Fri Jan 27, 2017 6:43 pm
Forum: Personal Investments
Topic: Vanguard ETFs vs. Mutual Funds
Replies: 10
Views: 2251

Re: Vanguard ETFs vs. Mutual Funds

I would buy VTSAX and rebalance with new money into bond and international ETFs. At 27, it's not a huge issue to be not be at the perfect AA.
by TOJ
Wed Jan 25, 2017 11:00 pm
Forum: Investing - Theory, News & General
Topic: Bid-ask Spread tips for a first time EFT buyer?
Replies: 27
Views: 3031

Re: Bid-ask Spread tips for a first time EFT buyer?

Why are you using TD Ameritrade? Genuine curiosity. $25 to buy mutual funds is hilarious, but maybe you have some circumstance that I am unaware of.
by TOJ
Wed Jan 25, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: Small Roth Conversion - Maintaining Admiral
Replies: 3
Views: 502

Re: Small Roth Conversion - Maintaining Admiral

Yes, it's not the end of the world. Just catering to my OCD.
by TOJ
Wed Jan 25, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: Small Roth Conversion - Maintaining Admiral
Replies: 3
Views: 502

Small Roth Conversion - Maintaining Admiral

Hello, I have a ~$30k rollover tIRA that I would like to convert to roth little by little, as 15% space allows. I will only be able to start with a few thousand or so. In the tIRA, I hold only VTSAX. If I convert $2-3k into a new Roth IRA, will I truly get "in-kind" conversion or will they downgrade...
by TOJ
Sat Jan 21, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)
Replies: 56
Views: 20402

Re: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)

The only problem with the 3.6 is you have to buy the upper trim with it, which makes it a ~$35k car. Then you paid $35k for a Legacy. Huh?? The MSRP for the Legacy Limited (top trim level) is $29,660 for the 2.5 and $32,460 for the 3.6. So, the larger engine costs nearly $3k more, but it doesn't ta...
by TOJ
Tue Jan 17, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 33
Views: 4823

Re: Very confused with W4 Allowances

The best way to do this would be to use the IRS' own calculator to determine an accurate amount of total tax owed. You can also do this yourself in a spreadsheet. Then, experiment with allowances until you get it dialed in. Or, as has been suggested, put the allowances very high and use the "additio...
by TOJ
Mon Jan 16, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 3278

Re: Saving rater after becoming father

Do you intend to get married before the baby comes?
by TOJ
Sat Jan 14, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Washing Machines
Replies: 12
Views: 2094

Re: Washing Machines

We bought the $400 maytag job from lowes. Top loader, high efficiency, agitator. 10 year warranty. It has been just fine. I intend to never own a front loader.
by TOJ
Sat Jan 14, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Desktop PC monitors
Replies: 13
Views: 1919

Re: Desktop PC monitors

HP pavilion 32" 2560x1440 is a sweet monitor.
by TOJ
Sat Jan 14, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime Rewards Visa Signature Card
Replies: 80
Views: 13822

Re: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases

Synchrony store card + fidelity 2% card = all you need
by TOJ
Tue Jan 10, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)
Replies: 56
Views: 20402

Re: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)

The only problem with the 3.6 is you have to buy the upper trim with it, which makes it a ~$35k car. Then you paid $35k for a Legacy.
by TOJ
Tue Jan 10, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 4835

Re: Turned 30! Women's advice for skin care??

Funny what threads the mods will close vs leave open.
by TOJ
Fri Jan 06, 2017 11:04 pm
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 10558

Re: Are Younger people funding 529 Plans?

Young family here. I opened one for each kid so I could have a transparent place to put grandparent gifts. I send them a screenshot of the deposit receipt when they give money to the children. I did put a few thousand in at first, of our own money. But then I read on here about not doing 529 till re...
by TOJ
Fri Jan 06, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: HDHP health plans better deal than expected?
Replies: 10
Views: 1819

Re: HDHP health plans better deal than expected?

We had a very expensive year with a child birth. Our out of pocket spend, explanations of benefits, deductible, and coinsurance percentage after deductible were all perfectly in sync. Came within $100 of yearly out of pocket max.
by TOJ
Fri Jan 06, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on sign-on bonus check
Replies: 42
Views: 7873

Re: Taxes on sign-on bonus check

What happens if you get a spot bonus gift card in December but it doesn't show up on your pay stub as imputed income until January?
by TOJ
Fri Jan 06, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Visa? And another question...
Replies: 11
Views: 1792

Re: Amazon Visa? And another question...

Get the Amazon store card, not the visa. 5% cash back at Amazon. Just link it to your account as the permanent payment method.

Then get the fidelity visa for everything else. 2% on everything, no games or categories.
by TOJ
Fri Jan 06, 2017 7:09 am
Forum: Personal Investments
Topic: Vanguard pulling funds from Fidelity/UMB -- takes a while?
Replies: 2
Views: 574

Re: Vanguard pulling funds from Fidelity/UMB -- takes a while?

Yes, Fidelity's CMA takes a long time because it is not a traditional bank. Each transaction gets worked out across up to 5 real banks with Fidelity acting as intermediary. You will also find that transactions don't clear till roughly 9am central time, even for things like payroll direct deposit. Wh...
by TOJ
Thu Jan 05, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 8537

Re: spousal disagreement over how much house to buy

Buy the house and be done with it.
by TOJ
Sun Jan 01, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 88
Views: 20940

Re: Amazon Echo

I just bought 6 Echo Dots- 2 for myself....I found them so much fun that I bought 4 more for holiday presents. I see no point in getting the more expensive models with built-in speaker.....the little dot offers far more flexibility. I have one playing through a good stereo system downstairs and ano...
by TOJ
Fri Dec 30, 2016 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Questions on PMI/Single Payment PMI - Still Tax Deductible in 2017?
Replies: 2
Views: 379

Re: Questions on PMI/Single Payment PMI - Still Tax Deductible in 2017?

What do you mean "prepay" PMI? Do you mean pay a bunch of monthly premiums right now? Or, do a single-payment PMI? Read this on deducting single-payment PMI: https://ttlc.intuit.com/questions/1926494-can-i-deduct-up-front-mortgage-insurance-premiums So you won't be able to deduct the full monty this...
by TOJ
Fri Dec 30, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 17377

Re: I'll never save a 20% down payment. Rent for life?

There are worse financial decisions than a 5% down 30-year mortgage at a low interest rate. That's exactly what I'd do, and have done. We bought with 5%. The house appreciated, and 2 years later we sold it for a profit (needed to move), and rolled the profit into a 10% down payment. It does suck pay...
by TOJ
Fri Dec 30, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Tax Benefits of 401k when you have existing debts...
Replies: 8
Views: 1082

Re: Considering Tax Benefits of 401k when you have existing debts...

You would also have to calculate the growth of the invested money vs the interest cost of the debt. Also, calculate the value of a debt-free night's sleep.

Simple button: Fund 401k up to the company match and then pay down debt with funds beyond that.
by TOJ
Fri Dec 30, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Helping a married child with first home
Replies: 56
Views: 5026

Re: Helping a married child with first home

You would also likely have to give a signed letter to the family stating the money is a gift, otherwise the lender would balk at loaned money being used to fund the house. And with a gift letter in hand, it would be difficult to say it wasn't a gift, in the event of a divorce. But, this is an awful ...
by TOJ
Fri Dec 30, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Helping a married child with first home
Replies: 56
Views: 5026

Re: Helping a married child with first home

Would you offer help if they weren't going to do what you want? E.g., cheaper house, somewhere else? If not, you're being manipulative and need to stop.
by TOJ
Wed Dec 28, 2016 11:16 pm
Forum: Personal Consumer Issues
Topic: Streaming Device w/ Google Play & Amazon Video
Replies: 15
Views: 2063

Re: Streaming Device w/ Google Play & Amazon Video

Insignia TV with Roku built in. Love mine. I use audio return channel to pipe 5.1 sound to my receiver and out through my surround sound.
by TOJ
Wed Dec 28, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Hit salary cap. Receiving lump sum in lieu of raise
Replies: 51
Views: 8894

Re: Hit salary cap. Receiving lump sum in lieu of raise

Edge, the thread becomes hard to read once you quote a post and reply on top of it. Then you get quoted and everything goes to hell.
by TOJ
Wed Dec 21, 2016 12:38 am
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 88
Views: 23232

Re: Honda Pilot vs Toyota Highlander?

Had a 2013 Highlander. Its 3rd row is a joke, particularly if you compare it to the 3rd row of any minivan. Minivans have a real 3rd row and storage behind that. Highlanders have a pretend 3rd row and pretend storage behind it.
by TOJ
Tue Dec 20, 2016 11:37 pm
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 68
Views: 7393

Re: If a tree falls

flyingbison wrote:
TOJ wrote: ... Any tree extending into a neighbor's property is too big for that location and should be cut down.
I'm guessing you don't live in an urban area?
Does living in an urban area entitle someone to plant a large tree in their small space?

http://texastreeplanting.tamu.edu/AvoidProblems.html
by TOJ
Tue Dec 20, 2016 10:59 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 23826

Re: The True Cost of Owning a Dog

I have 2 dogs for the cost of about $50/mo in food plus ~$200/yr in shots. The fleecing is when you take healthy dogs into a vet for yearly checkup and shots. Go to the traveling clinics for all that. I suppose I also spend $100/yr getting their nails clipped. But they don't get boarded nor 'groomed'.
by TOJ
Tue Dec 20, 2016 10:17 pm
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 68
Views: 7393

Re: If a tree falls

*forested neighborhoods excluded
by TOJ
Tue Dec 20, 2016 10:02 pm
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 68
Views: 7393

Re: If a tree falls

Actually another large branch is angled to drop on our fence and the roof above our bedroom Branches that extend over the property line into your property air space can usually be trimmed at your cost by you or someone you hire. I let my neighbors trim my trees all they want to. So your neighbor ei...
by TOJ
Sun Dec 18, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 68
Views: 7393

Re: If a tree falls

Gill wrote:Why the discussion on sharing the cost? It's the neighbor's tree and he is responsible for the entire cost of the damages.
Gill
Please chime in to the other current thread on this topic.
by TOJ
Sun Dec 18, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 7931

Re: Branch from our tree fell on neighbor's house ??

Pale Horse wrote:
denovo wrote:
You're under the misapprehension that satisfying your legal obligations is sufficient to be a good guy.
And you're confusing an accepted social convention with an incident where the OP had little to no control over. .
Trees choose, locate, and plant themselves.
by TOJ
Sun Dec 18, 2016 12:39 am
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 68
Views: 7393

Re: If a tree falls

The tree's owner and/or his insurance is who needs to be paying for everything. I would want a tree service to cut off any branches that overhang my property and also to shorten any tree that is tall enough to fall on my house. Tall trees do not belong near your neighbors' houses.
by TOJ
Sun Dec 18, 2016 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 7931

Re: Branch from our tree fell on neighbor's house ??

Maybe a little off topic, but I have heard several experts talk about not filing homeowners insurance claims unless it is for big bucks, due to the insurance company tendency to raise rates and/or cancel. So the neighbor might be reluctant to file a claim. Why should the neighbor have to pay a dedu...
by TOJ
Sun Dec 18, 2016 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 7931

Re: Branch from our tree fell on neighbor's house ??

jeffyscott wrote:IMO, that's another reason why the OP has no responsibility to pay anything, the OP had nothing to do with the neighbor's choice of deductible. Neighbor should've chosen $0 deductible, if neighbor wanted to pay $0.
Did the neighbor ask the OP to plant a large tree 15' from his house?