Search found 2019 matches

by ClevrChico
Sat May 15, 2021 8:35 am
Forum: Personal Consumer Issues
Topic: Visiting Boston w/ young family
Replies: 33
Views: 1995

Re: Visiting Boston w/ young family

Young kids are going to like the simple things the best. I'd mix going to a few playgrounds and McDonald's with a few things you want to see. :-)

I thought the duck boats were a lot of fun and special.
by ClevrChico
Sat May 15, 2021 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Car Values Rising Or Am I Losing My Mind ?
Replies: 14
Views: 1645

Re: Car Values Rising Or Am I Losing My Mind ?

See, ordinary cars can be an investment! :mrgreen: :mrgreen: :mrgreen:

I live near a huge dealer, and their inventory is so thinned out, they are taking the opportunity to repave their lot.
by ClevrChico
Thu May 13, 2021 9:06 pm
Forum: Personal Consumer Issues
Topic: School districts and reassignments
Replies: 41
Views: 2723

Re: School districts and reassignments

The distance and drop off situation actually seem pretty good to me. It could be a lot worse.

I had a six month period with two kids going to different schools with a significant bridge in between being rebuilt. I hope to never repeat that.
by ClevrChico
Thu May 13, 2021 7:22 am
Forum: Personal Consumer Issues
Topic: Rugged laptop options?
Replies: 31
Views: 1557

Re: Rugged laptop options?

The Thinkpad T-series has been the gold standard for decades.
by ClevrChico
Wed May 12, 2021 3:21 pm
Forum: Personal Consumer Issues
Topic: Does it make financial sense to buy a "beater" for a long distance commute?
Replies: 90
Views: 5059

Re: Does it make financial sense to buy a "beater" for a long distance commute?

Keep the current car and have your company reimburse your mileage. In the end, it should be at least a wash. The last thing I'd want is a beater in this situation.
by ClevrChico
Mon May 10, 2021 8:14 am
Forum: Personal Consumer Issues
Topic: Ikea bathroom fixtures/cabinets
Replies: 21
Views: 2071

Re: Ikea bathroom fixtures/cabinets

I have an IKEA Kitchen and Bath. The cabinets are great, and I'm very happy with them. - I'd avoid their faucets as I couldn't find replacement cartridges for them, so they're disposable after a few years. Get a Delta instead, and you'll get free cartridges for life. - The bath sink came with a weir...
by ClevrChico
Sun May 09, 2021 7:21 pm
Forum: Personal Investments
Topic: What does your bond portfolio look like in this low interest world?
Replies: 65
Views: 5601

Re: What does your bond portfolio look like in this low interest world?

My AA has about 25% in bonds. Half in Total Bond, half in Stable Value. Bond AA will increase on a glide path. I keep reminding myself to stay the course, especially with all the bond posts lately. If Vanguard Target Funds start replacing bonds with something else, then it may be time to consider a ...
by ClevrChico
Sat May 08, 2021 8:49 am
Forum: Personal Consumer Issues
Topic: Recommendation for Leaf Blower
Replies: 58
Views: 2795

Re: Recommendation for Leaf Blower

None.

Mow over the leaves. Use your trimmer to clear grass over walks.
by ClevrChico
Sat May 08, 2021 8:45 am
Forum: Investing - Theory, News & General
Topic: When will asset prices come down?
Replies: 84
Views: 5599

Re: When will asset prices come down?

Maybe when crypto crashes and investment speculation cools down.
by ClevrChico
Fri May 07, 2021 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrating candidate experiences in job search
Replies: 79
Views: 6072

Re: Frustrating candidate experiences in job search

I've had the best luck on Indeed (actually found my current job there). I'd suggest focusing on the really good companies you want to work at to save yourself a lot of time.

Linkedin seems to be a huge waste of time right now, as recruiters try to place any candidate anywhere.
by ClevrChico
Fri May 07, 2021 5:42 pm
Forum: Non-US Investing
Topic: A bit bubbly???
Replies: 20
Views: 2168

Re: A bit bubbly???

I work in tech, and every small-cap tech company I lookup, seems to be unprofitable. They've been unprofitable for years. The companies that I directly work with seem to be incredibly bloated and poorly ran. That does feel bubbly to me. Is there going to be a crypto crash followed up by a market cor...
by ClevrChico
Fri May 07, 2021 8:23 am
Forum: Personal Finance (Not Investing)
Topic: NEED HELP ASAP-401k Fee Negotiation/comparasin
Replies: 14
Views: 741

Re: NEED HELP ASAP-401k Fee Negotiation/comparasin

I pay around a $125/year record keeping fee. That's it.

Its institutional index funds have a .02% ER.

Working for a huge employer has its advantages. Here's a good website to research 401k plans:

https://www.brightscope.com/
by ClevrChico
Thu May 06, 2021 10:53 pm
Forum: Personal Investments
Topic: Is it acceptable for 30 year old with $2 million to have 100% all in diversified total world stock index funds?
Replies: 48
Views: 4976

Re: Is it acceptable for 30 year old with $2 million to have 100% all in diversified total world stock index funds?

How would you weather a major portfolio decline at the same time as long term unemployment/underemployment? Look at the "lost decade". "The second-worst drop is the 54% decline over the Lost Decade (the period from August 2000 to February 2009). The market index did not fully recover...
by ClevrChico
Thu May 06, 2021 10:26 pm
Forum: Personal Investments
Topic: Is it acceptable for 30 year old with $2 million to have 100% all in diversified total world stock index funds?
Replies: 48
Views: 4976

Re: Is it acceptable for 30 year old with $2 million to have 100% all in diversified total world stock index funds?

How would you weather a major portfolio decline at the same time as long term unemployment/underemployment? Look at the "lost decade". "The second-worst drop is the 54% decline over the Lost Decade (the period from August 2000 to February 2009). The market index did not fully recover ...
by ClevrChico
Thu May 06, 2021 8:04 am
Forum: Investing - Theory, News & General
Topic: What is considered a “high fee’s” in a 401k?
Replies: 25
Views: 2062

Re: What is considered a “high fee’s” in a 401k?

My 401k plan has only a $73/year fee to use the plan and pick from the index funds. I'd be ticked off to have a plan that charges me a percentage of my investments because I'd be punished for saving more. I like flat-fee 401k plans My former 457 had a tiered fee structure with increasing fees for m...
by ClevrChico
Tue May 04, 2021 8:07 am
Forum: Personal Investments
Topic: 401K: Wells Fargo -> Principal. How to assess fees?
Replies: 15
Views: 620

Re: 401K: Wells Fargo -> Principal. How to assess fees?

I don’t think I’ve ever heard of a flat fee for 401(k) servicing. Is this something common in the industry? I thought it was always based off of a certain percentage of peoples accounts. Even Vanguard I think charges .55%. I pay a flat record keeping fee of around $125/year at my megacorp and that'...
by ClevrChico
Mon May 03, 2021 3:19 pm
Forum: Personal Investments
Topic: 401K: Wells Fargo -> Principal. How to assess fees?
Replies: 15
Views: 620

Re: 401K: Wells Fargo -> Principal. How to assess fees?

It might be possible if Principal is only acting as the record keeper. You should see any fees taken when viewing the transaction activity of your plan. https://www.brightscope.com/ is a great tool to assess fees and see form 5500 data, but this change is probably too new to appear. The large local...
by ClevrChico
Mon May 03, 2021 3:11 pm
Forum: Personal Investments
Topic: 401K: Wells Fargo -> Principal. How to assess fees?
Replies: 15
Views: 620

Re: 401K: Wells Fargo -> Principal. How to assess fees?

It might be possible to have a low fee plan if Principal is only acting as the record keeper. You should see any fees taken when viewing the transaction activity of your plan. https://www.brightscope.com/ is a great tool to assess fees and see form 5500 data, but this change is probably too new to a...
by ClevrChico
Sun May 02, 2021 7:32 am
Forum: Investing - Theory, News & General
Topic: What is considered a “high fee’s” in a 401k?
Replies: 25
Views: 2062

Re: What is considered a “high fee’s” in a 401k?

I like to research 401k's on :

https://www.brightscope.com/

It gives a clear score among peer companies and shows you how many "extra years of work" you have to do to overcome fees.
by ClevrChico
Fri Apr 30, 2021 9:29 pm
Forum: Personal Investments
Topic: Job offer with major increase in salary
Replies: 17
Views: 2033

Re: Job offer with major increase in salary

You invest the money. 3-fund portfolio is a good starting point for beginners. +1 to this. KISS. Check your new 401k plan on https://www.brightscope.com/. If it's a good one with low fees, which it likely is, max it out. Also mega backdoor roth if you can. Also backdoor roth. And after all that, ta...
by ClevrChico
Wed Apr 28, 2021 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Promotion opportunity - use it or lose it?
Replies: 41
Views: 4098

Re: Promotion opportunity - use it or lose it?

6 am phone calls for 10% more? Probably not.
by ClevrChico
Wed Apr 28, 2021 8:15 am
Forum: Personal Investments
Topic: Wish I could quit Vanguard for poor customer service
Replies: 151
Views: 13289

Re: Wish I could quit Vanguard for poor customer service

For what it's worth, my 401k is with Merrill Lynch. They have no ability to electronically message them for support. It's 100% phone only. It's takes five minutes in a phone tree to reach a rep. Once you do reach a rep, they are very helpful, by I cringe every time I call having to go through the pr...
by ClevrChico
Tue Apr 27, 2021 3:17 pm
Forum: Personal Consumer Issues
Topic: Maybe buying house owned by smokers - help
Replies: 36
Views: 2084

Re: Maybe buying house owned by smokers - help

Any house built before the 1990's was likely owned by smokers at some point. (EVERYONE used to smoke.) Removing carpet, painting, replacing, and deep cleaning does seem to remove the smell and residue. That's a ton of work though, I'd probably hard pass on it.
by ClevrChico
Sun Apr 25, 2021 8:35 am
Forum: Personal Consumer Issues
Topic: Did I get shilled on Ebay?
Replies: 49
Views: 7028

Re: Did I get shilled on Ebay?

I don't believe there's a way for sellers to see your maximum bid. It's likely that the other bidder used a sniping service and still lost. One thing that I've learned on Ebay, is that there is a buyer for almost anything.
by ClevrChico
Sat Apr 24, 2021 10:38 pm
Forum: Personal Consumer Issues
Topic: Low sodium restaurant foods
Replies: 66
Views: 4349

Re: Low sodium restaurant foods

I've had good luck at fast food restaurants by ordering basic sandwiches plain. It's the extras that boost of the sodium.

Beyond that, it's a challenge, and better just to cook yourself.
by ClevrChico
Sat Apr 24, 2021 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Should I leave Small Company for MegaCorp?
Replies: 25
Views: 2662

Re: Should I leave Small Company for MegaCorp?

You should strongly consider the Megacorp job. They have their own issues, but they tend to be much better for long-term careers than Smallcorp. You should be able to get a signing bonus to help alleviate the initial 401k differences. A $5k bonus is typical without even asking, and you may be able t...
by ClevrChico
Thu Apr 22, 2021 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Crazy Situation - Acura Dealer Gave Me Car With Wrong VIN Number - Wants to Swap Cars?
Replies: 115
Views: 8863

Re: Crazy Situation - Acura Dealer Gave Me Car With Wrong VIN Number - Wants to Swap Cars?

Wow, that is crazy, but not surprising considering how dysfunctional dealers are. Do you have to pay sales tax again when the new title is transferred? Or is it an "equal trade" so just a wash as far as taxes? That would be my only concern.
by ClevrChico
Mon Apr 19, 2021 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Would a Shift to Primarily WFH Affect Promotion Opportunity?
Replies: 32
Views: 2075

Re: Would a Shift to Primarily WFH Affect Promotion Opportunity?

WFH isn't exactly a new thing. When someone has wanted a promotion, they have relocated so they can work onsite, and then gain visibility and grind towards that promotion. That's how the game has been played. If 50%+ workers are wfh now, that might change things. Then again, a lot of companies are b...
by ClevrChico
Sun Apr 18, 2021 9:23 am
Forum: Investing - Theory, News & General
Topic: Don't fuss about 529 accounts. Have your child skip the first two years of college instead!
Replies: 215
Views: 16966

Re: Don't fuss about 529 accounts. Have your child skip the first two years of college instead!

One can pay a little or a lot for college. Community college (I attended) is hugely underrated. There are many CC programs that are now even free! I can't front-load the 529's with huge amounts of money like some, but my kids should have a nice balance. I don't want money to be a limiting factor of ...
by ClevrChico
Fri Apr 16, 2021 10:52 am
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 125
Views: 12451

Re: How close to retirement age would you start to coast instead of grinding it out?

I'm in my 40's and am almost certain I'll stick with my current, no-stress, individual contributor tech job. I don't see much upside into rocking the boat for more money. I'm also fully vested in my benefits and get two months off a year (vacation + holidays). I'm coasting without being lazy. I do h...
by ClevrChico
Mon Apr 12, 2021 10:55 am
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4680

Re: The Great Swing Set Dilemma

My experience is also that the kids will get bored of this quickly. Save you money and don't buy one. We have got a ton of use out of having a fenced in backyard and various garage sale sports equipment and outdoor toys. Also, take them to area parks. Ours are all a little bit different to keep thin...
by ClevrChico
Wed Apr 07, 2021 10:59 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 282
Views: 21842

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

There are amazing cars on the market now, but they cost a chunk of money too. We'll continue to keep our daily beaters.

- Spouses car - Bought used in 2006 for $12k, still using it.
- My car - Bought new with Cash for Clunkers rebate in 2009. $12k (for a new car!) and still using it.
by ClevrChico
Wed Apr 07, 2021 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Tax bill split between spouses
Replies: 82
Views: 4642

Re: Tax bill split between spouses

I use "Excel 1040" to calculate the individual tax: https://sites.google.com/view/incometaxspreadsheet/home I input each spouse as married file separately and divide credits and deductions 50/50 to apportion each spouse's tax. (Excel 1040 has a nice override option to force it to this.) It...
by ClevrChico
Mon Apr 05, 2021 1:43 pm
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5307

Re: Best nonstick pans?

All non-stick is a disposable item, but they should be good for at least a decade, even with some abuse. Decade? My typical replacement cycle is 3 months to 3 years, but I'm buying the cheap Costco T-fal. I guess I was fortunate, then. This was bought in China and brought back in a suitcase. I'm no...
by ClevrChico
Sun Apr 04, 2021 9:05 am
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5307

Re: Best nonstick pans?

We bought a "The Rock" set from Target recently (And signed up for a Red Card for a $50 coupon.) https://www.starfrit.com/en/the-rock So far I'm very impressed, and it's transformed our cooking. Good cookware can make a huge difference. I bought a set where every pan has its own lid too. (...
by ClevrChico
Sun Apr 04, 2021 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Job Dilemma
Replies: 68
Views: 7499

Re: Job Dilemma

#1 - This sounds like a dream.

#2 - Sounds like a nightmare. Life gets miserable with 60 hour weeks long-term. Miserable enough to impact one's health. Definitely a hard pass, unless you've done this before and enjoyed it.

#3 - Not enough of a pay bump to risk a job change.
by ClevrChico
Wed Mar 31, 2021 8:54 am
Forum: Personal Investments
Topic: Employer 401K Losing Out of Matched Money
Replies: 39
Views: 2496

Re: Employer 401K Screwing Me Out of Matched Money

It's a good lesson learned, I guess. Small potatoes in the grand scheme of things. At least you caught it early?
by ClevrChico
Wed Mar 31, 2021 7:55 am
Forum: Investing - Theory, News & General
Topic: Are Hedge funds basically scams?
Replies: 72
Views: 8202

Re: Are Hedge funds basically scams?

The small funds I'm familiar with were mostly funded with the fund manager's own money, along with money from other family members and rich friends. While not a scam (they'd mostly be scamming themselves), I think it was mostly done for ego, and as a way to give their privileged kids a job at one's ...
by ClevrChico
Tue Mar 30, 2021 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice
Replies: 12
Views: 1410

Re: Career Advice

You made the right choice. Your kids will grow up in a flash, so now is the time to spend with them. $150k with good WLB is a sweet spot for employment.
by ClevrChico
Mon Mar 29, 2021 6:56 am
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1193

Re: Paper check for 401k rollover

I've always had to use a paper check for rollovers, as that is what my 401k's required. There was no other option, even in 2020. My recommendation would be to use Fedex or USPS Express Mail to minimize time out of market. If the 401k is with a major brokerage, you can possibly go directly from 401k ...
by ClevrChico
Thu Mar 25, 2021 9:25 am
Forum: Personal Investments
Topic: Transferring entire 500k taxable account to Bitcoin?
Replies: 169
Views: 9963

Re: Transferring entire 500k taxable account to Bitcoin?

I work too hard for my money to gamble $100, let alone my entire portfolio. Stay the course, my friend.
by ClevrChico
Wed Mar 24, 2021 10:10 am
Forum: Personal Consumer Issues
Topic: benefit of vaccination with kids at home
Replies: 26
Views: 1595

Re: benefit of vaccination with kids at home

The adults in our house will soon be fully vaccinated. With the kids not being vaccinated, we will limit our interactions with only vaccinated friends/family for now.

Things could change in the near future too. If cases continue dropping we may be back to normal.
by ClevrChico
Wed Mar 24, 2021 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 475
Views: 64115

Re: Tales from this insane real estate market

We once bought a house in this type of market and it didn't appreciate at all for 10 years. The value actually fell for several years during that decade. I would sit out the market and rent for a year or two. I had a similar experience buying in early 2007. I had tired of my apartment and landlord,...
by ClevrChico
Sun Mar 21, 2021 1:08 pm
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15615

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

Rolling over to an IRA likely involves snail mailing a check around, which means time out of market. If the market moves during this time with a seven figure portfolio, it could cost you thousands. I plan to leave it in the 401k. If your 401k is administered directly by one of the larger brokerages...
by ClevrChico
Sun Mar 21, 2021 11:05 am
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15615

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

Rolling over to an IRA likely involves snail mailing a check around, which means time out of market. If the market moves during this time with a seven figure portfolio, it could cost you thousands.

I plan to leave it in the 401k.
by ClevrChico
Sat Mar 20, 2021 1:39 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 179
Views: 16429

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

The physical card went into my "important document" box. I uploaded the detailed "electronic health record" pdf into Google Drive.
by ClevrChico
Thu Mar 18, 2021 9:16 am
Forum: Personal Consumer Issues
Topic: Selling rare/expensive beanie babies
Replies: 56
Views: 6095

Re: Selling rare/expensive beanie babies

My aunt and mother collected beanie babies. My mother could afford it so it was a hobby. The beanie babies were my aunt's "retirement plan". Within 2 years I had to clean out my parent's and my aunt's houses from their passing. I bet there were 1,000 or more beanie babies - it was RIDICUL...
by ClevrChico
Wed Mar 17, 2021 12:44 pm
Forum: Personal Consumer Issues
Topic: What did you successfully downshift to?
Replies: 65
Views: 7500

Re: What did you successfully downshift to?

I transferred to a non-operations role at the same company. No more after hours/weekend change management. No on call. No putting out other people's fires. No drama or politics. Work life balance is so much better and pay is similar. I'm sitting on a FIRE fund that I won't be using in the near futu...
by ClevrChico
Wed Mar 17, 2021 12:27 pm
Forum: Personal Consumer Issues
Topic: Selling rare/expensive beanie babies
Replies: 56
Views: 6095

Re: Selling rare/expensive beanie babies

hnd wrote: Wed Mar 17, 2021 12:01 pm sold listings are VERY often manipulated in a ton of ways. single bid items sold by 0 feedback people bought by 0 feedback accounts.

there are plenty of groups on FB you might join and research through.
I agree, and the high priced BB Ebay auctions all appear to be shams.
by ClevrChico
Wed Mar 17, 2021 10:06 am
Forum: Personal Consumer Issues
Topic: Selling rare/expensive beanie babies
Replies: 56
Views: 6095

Re: Selling rare/expensive beanie babies

A family friend approached me with a similar situation, since they knew I ebayed. The beanie baby they told me was worth $20k+ sells for $10. The article they quoted was pure click bait and fake. There are sham ebay auctions that show super high prices, but they aren't real, and get taken down by Eb...