Search found 3507 matches

by rob
Sat Apr 10, 2021 8:09 pm
Forum: Personal Consumer Issues
Topic: Simple time tracking/logging tool
Replies: 5
Views: 330

Re: Simple time tracking/logging tool

I've fought again time tracking for years... worked places that did this and just made up numbers. What is your aim?
by rob
Sat Apr 10, 2021 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone contemplating OLY (One Less Year)?
Replies: 39
Views: 2521

Re: Anyone contemplating OLY (One Less Year)?

Yeh... with the runup since last year I've been leaning to the nearer end of my target date... I suspect that will change based on market conditions but who knows. My target is set so I'm done with college expenses but if market holds up might cheat a year or two earlier...
by rob
Thu Apr 08, 2021 11:47 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 234
Views: 15661

Re: Insane to buy a sports car?

Yep, Boxster GTS 4.0. Manual transmission, black on black with leather interior, turbo wheels. Allocation is for late July— there were only 4 builds left in the country. I lost a couple allocations trying to haggle price... so ended up paying full price to be able to secure the allocation. Demand i...
by rob
Tue Apr 06, 2021 10:58 pm
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3066

Re: Should I replace 2 or 4 tires?

In that case, replace the two tires, put the new ones in front, and hold off on rotating them until the overall level of wear is equalized between front and back. Being FWD, the two in the back will get minimal wear while the fronts will wear faster. New tires are installed on the rear axle. Most t...
by rob
Tue Apr 06, 2021 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Staying at a company after giving notice? (counter-offer)
Replies: 58
Views: 5742

Re: Staying at a company after giving notice? (counter-offer)

Likely can possibly due some consulting for the current place in the meantime since they would be in a bit of a lurch. Make sure you read the paperwork carefully - a lot of tech places would not allow this, they may require that they approve any side job and own any ip etc. All my roles have words ...
by rob
Tue Apr 06, 2021 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Staying at a company after giving notice? (counter-offer)
Replies: 58
Views: 5742

Re: Staying at a company after giving notice? (counter-offer)

My rule has been to never accept a counter... You decided to leave and no good comes from staying at this point.
by rob
Tue Apr 06, 2021 8:38 am
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3232

Re: Should I buy a SLR camera without a built in flash?

A popup flash is almost useless (depending on brand can be used to fire other flashes which is why I left "almost" in there :-) )... In most cases your better off without it. That may not make sense initially but IMO it's just true. If your new to SLR's - make sure you are going to carry t...
by rob
Sun Apr 04, 2021 10:27 am
Forum: Personal Consumer Issues
Topic: "V" Rated Tired vs "H" Rated Tire
Replies: 12
Views: 936

Re: "V" Rated Tired vs "H" Rated Tire

If your relying on the wear guarantee to get a second set.... I expect putting on H rated will void that plan. In real life they are fine.
by rob
Sun Apr 04, 2021 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Which life insurance to get? Work vs. personal policy
Replies: 34
Views: 2199

Re: Which life insurance to get? Work vs. personal policy

I looked at this recently and my rates were about equal for group vs individual (age & bmi).... given it's not that critical and is really to cover college expenses over the next decade if I wake up dead, I went for group since it's just a lot easier (no exams, guarantee acceptance since I was a...
by rob
Sat Apr 03, 2021 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to file taxes before May 17?
Replies: 34
Views: 3580

Re: Any reason to file taxes before May 17?

No.... I see no advantage with the changes that keep appearing to happen - at least the tax software keeps updating.
by rob
Sat Apr 03, 2021 8:00 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace 2003 Toyota Corolla
Replies: 67
Views: 5516

Re: Repair or Replace 2003 Toyota Corolla

Time to let it roam free on a farm :-)
by rob
Sat Apr 03, 2021 2:05 pm
Forum: Personal Consumer Issues
Topic: Uber ride — how to be sure windows will open?
Replies: 17
Views: 1907

Re: Uber ride — how to be sure windows will open?

I recently ordered an Uber only to learn that the backseat windows did not open. I think they were not designed to open, it wasn’t that they were not working. I cannot think of a normal 4-door car with no window controls but possible I guess. Just contact the driver from the app once they accept th...
by rob
Sat Apr 03, 2021 12:20 am
Forum: Personal Investments
Topic: International Small Cap Value?
Replies: 28
Views: 1968

Re: International Small Cap Value?

US vs. Non-US is one of the religious wars in these parts... Your going to have to determine if you want non US, how much and then if you want SCV in non-US... Fees matter and that's not the cheapest end of the pool to play in.
by rob
Sat Apr 03, 2021 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Incorrectly returned stimulus check
Replies: 4
Views: 629

Re: Incorrectly returned stimulus check

If you paid them $ then it will wash out eventually....
by rob
Sat Apr 03, 2021 12:08 am
Forum: Personal Finance (Not Investing)
Topic: WFH Light a "FIRE" in anyone else?
Replies: 20
Views: 3099

Re: WFH Light a "FIRE" in anyone else?

As a fly out/in for the week person... I hope this thing never ends :-) Just not missing the work travel, although I'm working more hours.
by rob
Tue Mar 30, 2021 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Which State is counted for In State tuition?
Replies: 55
Views: 2860

Re: Which State is counted for In State tuition?

Another possible path / Join two year community college (cheaper, establish residency) and then pathway into upper year of state university. This was going to be my suggestion - it gets you to the 12K for education but obviously not when you add in housing costs. Establish residency and swap to the...
by rob
Mon Mar 29, 2021 7:29 pm
Forum: Personal Consumer Issues
Topic: Tankless Water Heater - Struggling to Justify
Replies: 71
Views: 5856

Re: Tankless Water Heater - Struggling to Justify

I'm thinking of putting in a small tankless (one that will do 3 to 4 GPM, 2.5 in winter with 110F output) but feed that into the input of a standard tank type water heater. The tank type will act as a buffer when other short duration things want hot water during a shower, like the washing machine, ...
by rob
Mon Mar 29, 2021 7:08 pm
Forum: Personal Investments
Topic: Leaving paid advisor with a large balance and gains
Replies: 26
Views: 3811

Re: Leaving paid advisor with a large balance and gains

Make sure your using specific id... then work out the various tax lots involved. Make sure they are transferred over to the new place. It's just not likely to be a pretty situation.... but agree with above take the low-hanging stuff (losses and lots with small gains) to use in your new allocation. I...
by rob
Wed Mar 24, 2021 9:58 am
Forum: Personal Consumer Issues
Topic: New 4K TV. But, Cable Box 1080p!
Replies: 8
Views: 1017

Re: New 4K TV. But, Cable Box 1080p!

Cable is horrible... They have a vested interest in jamming in more channels rather than higher resolution. Streaming is the answer but some amplifiers can upscale to 4K... which help me on cable stuff.
by rob
Tue Mar 23, 2021 1:49 pm
Forum: Personal Investments
Topic: Emerging markets in roth or 401k?
Replies: 4
Views: 382

Re: Emerging markets in roth or 401k?

I'd also do the cheaper when the gap is that large... Think of the portfolio across all accounts (for the same goal)... each acct does not need to mirror your plan.
by rob
Mon Mar 22, 2021 12:32 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting a cellphone for the first time
Replies: 24
Views: 2693

Re: Thinking of getting a cellphone for the first time

Look at no more robo calls... I have it setup at home by defining dual ringing.... free account also... worth way more than I pay :D
by rob
Mon Mar 22, 2021 9:05 am
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15209

Re: What do most people do with a 401K upon retirement if they dont need it?

If your pensions are 170K then you have saved too much.... get a hobby and start spending. You could also give to kids, charities etc. We actually do not have a choice on the pension as state workers. It’s taken out automatically. You asked about a 401K; They are completely optional. I understand a...
by rob
Sat Mar 20, 2021 11:05 pm
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15209

Re: What do most people do with a 401K upon retirement if they dont need it?

If your pensions are 170K then you have saved too much.... get a hobby and start spending. You could also give to kids, charities etc.
by rob
Sat Mar 20, 2021 12:53 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13847

Re: People with Covid-19 vaccination record cards: where are you keeping them?

I'm going to put it in my 1970's photo album.... It's embarrassing that THIS is what the US has to offer.... Modern countries in the world have or are setting up apps with 3rd party verification from the authorities that the specific person has had the vaccine the app shows and integrating that into...
by rob
Thu Mar 18, 2021 11:26 am
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 240
Views: 22938

Re: What is the BEST thing you spent money on?

Recently - Hifiman planar headphones, desktop amplifier and non-compressed digital sources... Sooo much like a breath of fresh air - Huge eBike... too old for motocross or mountain-biking now days but similar smile Long term - Contry to my recent examples; Experience over things - Travel before it w...
by rob
Thu Mar 18, 2021 12:20 am
Forum: Investing - Theory, News & General
Topic: Strategy changes after Lean FI?
Replies: 41
Views: 3008

Re: Strategy changes after Lean FI?

The main change I made when hitting my WAG of "lean fire" was to stop working stupid hours.... I work plenty more than 40 still (especially remote) but don't work every weekend. Stuff gets dropped and I muddle through that. Maybe it will hurt my bonus - maybe not (TBD). I have kids and col...
by rob
Sun Mar 14, 2021 10:54 am
Forum: Personal Investments
Topic: Retirement funds
Replies: 9
Views: 837

Re: Retirement funds

It's total return that I find important... How that is mixed I don't really care apart from placement of various level for tax reasons.
by rob
Sun Mar 14, 2021 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Squared Away: Does higher life expectancy make people retire later?
Replies: 45
Views: 3887

Re: Squared Away: Does higher life expectancy make people retire later?

Not for me... It's pure and simply stuff I have (income/investments) vs. Stuff I think I need to live (expenses). When I can cover #2 with #1 within a tolerance I'm comfortable with I'm done. Work is a four lettered word for a reason.
by rob
Sun Mar 14, 2021 10:47 am
Forum: Personal Investments
Topic: What to do with $42k bonus?
Replies: 36
Views: 4462

Re: What to do with $42k bonus?

Yeah it's an easy answer but on the the stock picking option keep this old saying in mind... A lawyer that represents themselves has a fool for a client.....
by rob
Sat Mar 13, 2021 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Is 7K mortgage a month too much for 13K (combined) post tax monthly income?
Replies: 101
Views: 8840

Re: Is 7K mortgage a month too much for 13K (combined) post tax monthly income?

That is clearly far too much to carry.... To be blunt you cannot afford a house in that price range.
by rob
Fri Mar 12, 2021 5:39 pm
Forum: Personal Consumer Issues
Topic: courses/classes in card games - the basics?
Replies: 39
Views: 3043

Re: courses/classes in card games - the basics?

Lots on online places for poker and it's a decent game..... but I like strategy games (Chess, Go etc) so the card games I love are... Five person 500 if far and away my favourite... bring some alcohol.... Play the variation where you call a card for partner - willingly or preferably unwillingly. Tea...
by rob
Wed Mar 10, 2021 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need IRS Help
Replies: 6
Views: 418

Re: Need IRS Help

Waste of time trying to contact them..... I recently got a letter that demanded my 2019 return (which I had lodged)... Resent that via UPS this time with all the documentation and a new copy... 3 weeks ago and nada on the web-site... which essentially says don't bother trying to contact us via the c...
by rob
Wed Mar 10, 2021 6:02 pm
Forum: Personal Investments
Topic: Help please. Being forced to retire early..
Replies: 87
Views: 10067

Re: Help please. Being forced to retire early..

Have a look at the Vanguard PAS option.... far cheaper than either of those sharks (and I'm been unkind to sharks). You can find an hourly advisor to give you options for the pension... but n the end I think you covered the big differences and only you can decide. Seems to me that you would be ok if...
by rob
Wed Mar 10, 2021 5:44 pm
Forum: Personal Consumer Issues
Topic: Audio Receiver Recommendations
Replies: 49
Views: 3468

Re: Audio Receiver Recommendations

For a more low key front and lots of connection options (your looking for assignable in/outs), internet radio etc etc Look at the mid tier Marantz models. I love my (now discontinued but look for replacement models) sr5007.
by rob
Wed Mar 10, 2021 3:24 pm
Forum: Personal Investments
Topic: Made the mistake of buying fund-of-funds, do I try to fix it?
Replies: 28
Views: 3452

Re: Made the mistake of buying fund-of-funds, do I try to fix it?

I wish the zealousness of the target funds was a little less here.... They are great for some uses but IMO bad option for taxable as your working out. It's not going to get any cheaper in the future, so I would do it earlier.
by rob
Wed Mar 10, 2021 10:32 am
Forum: Personal Finance (Not Investing)
Topic: children roth ira
Replies: 29
Views: 2091

Re: children roth ira

Not sure why these threads keep going when it's clearly about break the rules. The rules are fairly simple IMO... You need earned income. To me and the vast majority of people that means flipping burgers or whatever and no been part of the household or turning kids into household employees somehow. ...
by rob
Mon Mar 08, 2021 10:01 pm
Forum: Personal Investments
Topic: Re: Transitioning
Replies: 6
Views: 748

Re: Transitioning

As far as I know they will no longer open new old platform accounts.... I know people were able to get exemptions in the past but that seems to have gone away from the posts I've seen...
by rob
Mon Mar 08, 2021 4:07 pm
Forum: Personal Consumer Issues
Topic: Peloton purchase inquiry
Replies: 27
Views: 2512

Re: Peloton purchase inquiry

We placed our order in September. We received it 3 weeks ago. The whole experience was frustrating to say the Least. Where we live, Peloton was using XPO Logistics to do 3rd party delivery. All "schedule your delivery" emails we received along the way said to call XPO, who would tell us t...
by rob
Sun Mar 07, 2021 1:33 pm
Forum: Personal Investments
Topic: How long would you back a losing horse, to Stay The Course?
Replies: 167
Views: 11357

Re: How long would you back a loosing horse, to Stay The Course?

Tilting is by definition trying to time the market, so switch to Total market and get off the horse. This. Honestly I’ve never understood the SVC folks. Do they stare at the Vanguard model portfolio CAGR tables, look at the CAGRs and go: ...... nahhhhh not good enough! Seriously? If you can’t retir...
by rob
Sat Mar 06, 2021 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Coast to retirement jobs for 50-something
Replies: 41
Views: 5680

Re: Coast to retirement jobs for 50-something

Normchad wrote: Sat Mar 06, 2021 5:55 pmInstead of taking a 50% pay cut for ten years, just suck it up and keep going as long as you possible can. If you make it five years, you can stop all together.....
This is what I would do.... Maybe step out of some of the most critical projects while keeping the same level...
by rob
Sat Mar 06, 2021 10:34 am
Forum: Personal Consumer Issues
Topic: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?
Replies: 77
Views: 3844

Re: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?

That being said, I NEVER do any service the dealer recommends without looking at the part myself. At the dealers I've been to they take photos of the filters and text them to you or bring them out if you are waiting there and show you what they look like and ask if you want to replace them. If they...
by rob
Fri Mar 05, 2021 9:14 pm
Forum: Personal Consumer Issues
Topic: Does anyone use travelers checks any more?
Replies: 110
Views: 5739

Re: Does anyone use travelers checks any more?

During the 90s there were many places (typically off the beaten track) that in lieu of carrying thousands and thousands in cash it was more viable to use an American Express card and utilize the card to get AmEx travelers checks issued. This typically involved a stop at the AmEx in the capital city...
by rob
Fri Mar 05, 2021 3:17 pm
Forum: Personal Consumer Issues
Topic: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?
Replies: 77
Views: 3844

Re: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?

This is just pure scam at most stealerships and places like jiffylube... almost certainly you cannot get it dirty in that amount of miles...
by rob
Fri Mar 05, 2021 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why the $58,000 401(k) limit for employer contributions?
Replies: 28
Views: 1676

Re: Why the $58,000 401(k) limit for employer contributions?

Why does retirement have anything to do with your job?
Why allow a "backdoor" roth and not a direct roth?
Why is there a penalty for been married at certain levels in the tax rate table?
Why does tax policy have little to do with logic?

Politics....
by rob
Fri Mar 05, 2021 8:21 am
Forum: Personal Consumer Issues
Topic: Does anyone use travelers checks any more?
Replies: 110
Views: 5739

Re: Does anyone use travelers checks any more?

So you all are telling me I should cash in the ones I still have from my traveling past.... Been meaning to get on that :D

I miss them... A random piece of paper is probably not much less secure than a credit card with all the breaches.
by rob
Thu Mar 04, 2021 7:10 pm
Forum: Personal Consumer Issues
Topic: 2021 Sunglasses Thread 😎
Replies: 62
Views: 4680

Re: 2021 Sunglasses Thread 😎

unstoppable wrote: Thu Mar 04, 2021 6:42 pm Cult following of Maui Jim’s
See... You already knew the answer...
by rob
Thu Mar 04, 2021 2:11 pm
Forum: Personal Consumer Issues
Topic: Anyone employ personal assistants? House managers?
Replies: 49
Views: 4181

Re: Anyone employ personal assistants? House managers?

bgf wrote: Wed Mar 03, 2021 8:32 am You should consider living in a hotel. I'm not joking, and you are in the perfect situation for it.
There are managed apartments that are housed in some hotels.... It's a mix of apartment living with the hotel services... Might be a good option to investigate in your area.
by rob
Thu Mar 04, 2021 9:50 am
Forum: Personal Investments
Topic: How long would you back a losing horse, to Stay The Course?
Replies: 167
Views: 11357

Re: How long would you back a losing horse, to Stay The Course?

It might make sense to consider Vanguard Small Cap Index fund that captures both value and growth. That way, you're always capturing the better performing half which make help you psychologically. But then you have to stay the course because you're in Small Cap and you invariably might find yoursel...
by rob
Thu Mar 04, 2021 9:05 am
Forum: Personal Investments
Topic: Where is your fixed income invested?
Replies: 88
Views: 8256

Re: Where is your fixed income invested?

VAIPX - Inflation
VBILX - Intermediate
VTAPX - ST Inflation
VTABX - Non-US Intermediate
IBonds - Paper (Thx Mel & Taylor :-) )
IBonds - Electronic
Various stable value funds
by rob
Thu Mar 04, 2021 8:11 am
Forum: Personal Investments
Topic: How long would you back a losing horse, to Stay The Course?
Replies: 167
Views: 11357

Re: How long would you back a losing horse, to Stay The Course?

I used a particular microcap fund for 20 something years before I just got sick of the whole damn topic in a taxable acct. I still believe that there is something there but no USABLE fund exists :oops: