Search found 737 matches

by nordlead
Tue Jan 27, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 37
Views: 6154

Re: negotiating vacation days

Actually that is a pretty generous vacation package. My guess is that 10 days for new hires and 15 days at 5 years is typical unless the parent company is European in which case the vacation tends to be more liberal. :sharebeer Since he name dropped Lockheed Martin and his username is ieee, I'd say...
by nordlead
Mon Jan 26, 2015 9:05 pm
Forum: Personal Consumer Issues
Topic: Snow on Gas Meter?
Replies: 13
Views: 5197

Re: Snow on Gas Meter?

Hmm, I've never seen a note like that from our utility company and we get 10ft of snow a year.

But, your utility knows what equipment you have so it probably makes sense to clear it off.
by nordlead
Mon Jan 26, 2015 7:50 pm
Forum: Investing - Theory, News & General
Topic: Get 17% in russian savings account?
Replies: 49
Views: 7879

Re: Get 17% in russian savings account?

The rubble has lost ~45% in the last 6 months, and you want 17% returns over 1 year? The only way this works out well is if you buy a bond/CD type of investment at the perfect time, where they are paying some high %, and inflation gets under control. The only way that happens is if 1) They make it o...
by nordlead
Thu Jan 22, 2015 11:02 am
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 136
Views: 27052

Re: What age did you hit $100,000?

I'm not really sure.

I hit $200k at 30 (I'm 30 now). Going back through what information I have, my estimate is at 28, maybe 27.

If we are talking only money in retirement accounts, then 29.
by nordlead
Tue Jan 20, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: What % of AGI did you pay in taxes for 2014?
Replies: 5
Views: 781

Re: What % of AGI did you pay in taxes for 2014?

well, the federal government is paying me ~$1k (refundable child credit), so federal + state = ~0.8%

If I count all of the credits as "payments", then ~8%.
by nordlead
Tue Jan 20, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 17
Views: 1822

Re: downhill ski boots question

I don't alpine ski, but I thought you had to match the boots to the bindings. Alpine ski bindings and boots are standardized across all manufacturers. Any boot should fit any binding. So it is possible to own your own boots and rent/demo any skis. To top it off, binding manufacturers now rate bindi...
by nordlead
Tue Jan 20, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Ditch Wells Fargo banking for online banking?
Replies: 25
Views: 3706

Re: Ditch Wells Fargo banking for online banking?

It sounds like you'll get more than $50. You just said it costs you $1 to get your money out of the bank, which can add up fast if you get money out weekly. Also, it is now more convenient to get money out since you can get it anywhere. You also have to factor in free checking, and the fact that if ...
by nordlead
Tue Jan 20, 2015 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Switching from Vonage to Ooma Phone Service
Replies: 16
Views: 3860

Re: Switching from Vonage to Ooma Phone Service

I can't even envision why anyone would want to use a separate answering machine (do they still make those things?) Well, my answering machine is much older than my Ooma unit, so no reason to throw it away. I can also see if I have a voicemail from my phone (anywhere in the house) and play back mess...
by nordlead
Tue Jan 20, 2015 7:25 am
Forum: Personal Finance (Not Investing)
Topic: So much for the 2% Cash Back Sallie Mae Visa card
Replies: 45
Views: 7223

Re: So much for the 2% Cash Back Sallie Mae Visa card

FedGuy wrote:
interplanetjanet wrote:Citi's Dividend card with 5% back on utility payments in Q1 is great for those of us with high utility bills (prepay for the year in Q1).
Isn't Citi just doing Macy's and Home Furnishings stores this quarter?
The thread is from 2012.
by nordlead
Tue Jan 20, 2015 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Switching from Vonage to Ooma Phone Service
Replies: 16
Views: 3860

Re: Switching from Vonage to Ooma Phone Service

I did years ago (3-4 I think). Vonage (at the time) had better voice quality and they use a standard dialtone. Ooma provides perfectly acceptable voice quality, but uses this weird intro to the dial tone and it screws up my answering machine (I don't use Vonage or Ooma voicemail), so my answering ma...
by nordlead
Tue Jan 20, 2015 6:44 am
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 17
Views: 1822

Re: downhill ski boots question

boots are the most important thing in skiing, and the stuff you get at the rental shop is garbage (the padding is all crushed down and they only provide boots for casual skiers). Buy a good set of boots from a guy/shop who actually knows how to fit a boot. He should measure your foot, check the widt...
by nordlead
Mon Jan 19, 2015 2:26 pm
Forum: Personal Investments
Topic: trying to keep my $400.00 saver tax credit
Replies: 2
Views: 756

Re: trying to keep my $400.00 saver tax credit

what do you mean by "taxable IRA"? There are 2 types of IRA's, but you can also make non-deductible contributions to a traditional IRA. I'm not aware of any retirement account types that force you into double taxation. If you use savings to fund a deductible retirement account (to lower yo...
by nordlead
Fri Jan 16, 2015 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Another Refinance Question
Replies: 11
Views: 1023

Re: Another Refinance Question

Without more information I have to question why you are even refinancing. You are lowing the rate by 37.5 basis points. I have to imagine that most of the monthly "savings" are coming from extending the life of the loan. If that is the case it could actually be costing you more in the long...
by nordlead
Fri Jan 16, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: How Long Do You Keep Tax Records?
Replies: 28
Views: 4490

Re: How Long Do You Keep Tax Records?

Indefinitely saved on my server. I've scanned every tax document I receive that I can't download and those are all saved. Right now I think that is at the 7 year mark for me, as my first few returns as a teen/young 20's I didn't even keep for 3 years. Basically it took getting out of school to actua...
by nordlead
Thu Jan 15, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 4947

Re: Taxact ultimate version $6

Having used tax-act for years and always signed up for $13.99 (guarenteed best rate supposedly), how do I check what my cost will be since you don't pay it until you file?
by nordlead
Mon Jan 12, 2015 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 8947

Re: Looking for low cost cell phone plans...

Check out Cricket Wireless! I just switched from Verizon. It's AT&T's network, and you may be able to bring your existing phone - the Cricket website has a place to enter your IMEI to find out. If you can't bring your phone, they have a few cheap ones for free or you could find one on Glyde, as...
by nordlead
Mon Jan 12, 2015 7:47 am
Forum: Personal Investments
Topic: If you were going to retire at 57 what would your number be?
Replies: 35
Views: 5380

Re: If you were going to retire at 57 what would your number

My goal is to hit 1.5m by 55, at which point I'd consider retiring but a lot depends on how much health care costs. I'd also probably downsize my house to reduce taxes. If I stayed in my current house it would be. ~$7500 in school/property taxes and insurance ~$6000 in food/supplies ~$3800 in intern...
by nordlead
Sat Jan 10, 2015 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 8947

Re: Looking for low cost cell phone plans...

FYI: Ting will be supporting T-Mobile soon (in addition to sprint), which will open up a lot of phone options.

I have ting with 2 phones, 100 voice minutes and 100mb a month. I've been happy with it and haven't found cheaper service that fits our needs and provides the flexibility they do.
by nordlead
Fri Jan 09, 2015 11:13 am
Forum: Personal Investments
Topic: Retirement Saving - 15% PRE or POST Tax
Replies: 15
Views: 3282

Re: Retirement Saving - 15% PRE or POST Tax

If you are only looking for the minimum, many people say 10%. The 10/10/80 rule is pretty popular (not on this website though).

Anyways, I've saved 15% pre-tax since I got my first fulltime job. For the last few years I've been saving anywhere from 18-30% of pre-tax earnings.
by nordlead
Fri Jan 09, 2015 8:35 am
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 6242

Re: What's in your car emergency kit?

* Small tire pump (12V of course, not a hand pump) Why "of course"? Small hand or foot pumps are cheaper, faster, lighter, smaller and more reliable than the electric ones. And if it breaks I can probably fix it. These are all important attributes for an emergency kit. 1) because I'm lazy...
by nordlead
Fri Jan 09, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 6242

Re: What's in your car emergency kit?

Coach-Net card and credit card. Having a tow strap, hooking it up to your car, and standing there with it in the air typically gets me a truck within 15 minutes and I'm back on the road Do you make a habit of driving into the ditch? It happens to the best of us. Last time I slid off the road was ~3...
by nordlead
Fri Jan 09, 2015 7:52 am
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 5367

Re: SlingTV

Something people really need to keep in mind with SlingTV is bandwidth caps with their internet service provider. All internet service providers have some sort of cap whether it is a hard cap per month common is 150 GB or a soft "excessive use" cap. Streaming HD content typically uses 2 -...
by nordlead
Thu Jan 08, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 6242

Re: What's in your car emergency kit?

All my emergency equipment is stored with the spare tire and jack, so... * Jumpers * Small tire pump (12V of course, not a hand pump) * Tow strap * fix-a-flat Obviously, I also carry my wallet and cellphone with me. I also have a phone charger in the car, but I don't consider it emergency equipment....
by nordlead
Thu Jan 08, 2015 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Sling TV not such a hot deal?
Replies: 3
Views: 1042

Re: Sling TV not such a hot deal?

why in the world are you paying $5/month for Wifi? You can buy a good wireless N router for under $50 and it'll pay for itself in under 1 year and I bought my N router for that much ~5 years ago. Obviously this writer doesn't know any better there, so I question their judgement on everything else. A...
by nordlead
Thu Jan 08, 2015 1:48 pm
Forum: Forum Issues and Administration
Topic: Logon automatically won't work on 1 out of my 5 devices
Replies: 9
Views: 1496

Re: Logon automatically won't work on 1 out of my 5 devices

I'm also a software engineer (maybe that is the common item :P ) Anyways, cookies are enabled in Chrome, I have ABP disabled for bogleheads.org. I stay logged in at most websites. CNET has given me problems, but I think I resolved those by disabling no-script. Syracuse.com won't let me stay logged i...
by nordlead
Thu Jan 08, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Should heat be left on?
Replies: 25
Views: 9276

Re: Should heat be left on?

In my house i never set my thermostat below 55F, and is typically anywhere between 58 and 67 in the winter. My house is fairly old, but only has exterior piping at the kitchen sink and it has never given me a problem while on vacation. We also have never vacation at the coldest time of the year (wer...
by nordlead
Thu Jan 08, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: Should I also replace WM along with this job?
Replies: 16
Views: 2697

Re: Should I also replace WM along with this job?

I don't work in the appliance industry, but I did look at actual statistics of average appliance lifespan and the reality is that they still last over a decade on average, which is what you would have expected decades ago. I am not using personal experience which is often wrong and biased. I'm posit...
by nordlead
Thu Jan 08, 2015 8:49 am
Forum: Forum Issues and Administration
Topic: Logon automatically won't work on 1 out of my 5 devices
Replies: 9
Views: 1496

Re: Logon automatically won't work on 1 out of my 5 devices

I also have a Win7 with Chome that gives me the same exact problem. I even disabled all of my extensions and still can't stay logged in.
by nordlead
Tue Jan 06, 2015 11:27 am
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1251608

Re: How Many Credit Cards do you have?

I have 5 myself, my wife probably has over 10, but most of them are store specific cards. The majority of our spending is on 3 cards though. I highly recommend (on the cash back front) * Citi Double Cash Back - 1% + 1% for an effective 2%, but not guaranteed 2% as there are a few minor restrictions ...
by nordlead
Tue Jan 06, 2015 10:10 am
Forum: Investing - Theory, News & General
Topic: Why buy total international and not each country?
Replies: 21
Views: 3541

Re: Why but total international and not each country?

If I had easy access I would consider it. The problem is that my international holdings account for ~$30k and is all in my 403(b) which doesn't offer individual regions or countries (outside of the US of course). In a few years I could swap the holdings over to my IRA(s) at vanguard and would then h...
by nordlead
Thu Jan 01, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Amazon tax refund bonus offer
Replies: 6
Views: 3896

Re: Amazon tax refund bonus offer

I'd get behind this if I didn't have to lock up $836 just to break even with using Taxact. So to earn an extra $100, I have to have over $1936 in Amazon gift cards. I'm pretty sure that will lead to me overspending at Amazon or having the money tied up for at least 2 years. H&R block isn't as ba...
by nordlead
Wed Dec 31, 2014 12:41 pm
Forum: Personal Consumer Issues
Topic: Games
Replies: 38
Views: 5923

Re: Games

We have played: Rumikub - Rummy with tiles and a few twists on the Rummy style of card games Carcassonne - Base Game + Inns & Cathedrals + Traders & Builders Lords of Vegas - You build casinos and try to own the vegas strip. Lots of gambling with easy to calculate (or aproximate anyways) odd...
by nordlead
Tue Dec 30, 2014 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Buying gasoline
Replies: 7
Views: 1792

Re: Buying gasoline

There are two different factors at play. For the gas station, gasoline is a low margin item. The real money is getting people in the stores to buy snacks, lotto tickets, cigs. etc... What is a way that they can encourage people to come in the store? Offer a cash discount on gasoline!! You can't pay ...
by nordlead
Mon Dec 29, 2014 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 10513

Re: What price are you planning to pay for your next car?

I have a hard time imagining spending more than $10k. If I did that, I'd ~40% of what I saved last year. My first car purchase was $4200 (sold for $1k, lasted 6 years), my second car purchase was $6500 and I'm still driving it. My next car purchase is going to be a minivan, and I'm hoping to spend ~...
by nordlead
Mon Dec 29, 2014 3:08 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 8729

Re: How Much Do You Sacrifice?

Rather than spending $15/round for the privilege of walking around a field launching an object through the air, you could spend $50 upfront for a similar experience, disc golf, and might just enjoy it even more. It doesn't have to be a sacrifice to save money. I've paid for cable TV once, and I don'...
by nordlead
Mon Dec 29, 2014 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives 2 heavy lifting/labor intensive chores?
Replies: 3
Views: 721

Re: Alternatives 2 heavy lifting/labor intensive chores?

Labor rates are going to be $60-100/hr. This is reasonble since the company will typically pay anywhere from $15-30/hr and has to pay taxes, benefits, maintain equipment, purchase insurance, advertise, and turn a profit. So, brakes on a single axle can take 45 minutes a wheel (if things get stuck), ...
by nordlead
Mon Dec 29, 2014 1:49 pm
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 13313

Re: Facebook is Outrageous

Nike doesn't really add much value in my life, or in the lives of my younger group of friends. Apple or Facebook do. There are plenty of shoe companies out there. If nike ceased to exist, or UPS, it wouldn't change our lives one bit. if FB ceased to exist, it would be a big deal for us. So obviousl...
by nordlead
Mon Dec 29, 2014 8:08 am
Forum: Personal Consumer Issues
Topic: Poll: Total cost of 2-yr cell phone ownership?
Replies: 54
Views: 5085

Re: Poll: Total cost of 2-yr cell phone ownership?

$400 nexus 5 + $12/month of ting usage takes me to ~$700 over 2 years. If my phone lasts 4 years I can take the 2-year amount down to under $500.

I use google voice, so I don't pay for texts. I also use a ton of WiFi and very little cellular data.
by nordlead
Tue Dec 23, 2014 12:24 pm
Forum: Personal Consumer Issues
Topic: 2-Factor Authentication/Google Voice Number?
Replies: 10
Views: 2374

Re: 2-Factor Authentication/Google Voice Number?

Generally these things where you receive automated texts, like for alerts from a bank, will not work with a Google Voice number. This is annoying for me since I never use my real phone number, but it's been that way for years and don't know if it's going to change. With my very limited knowledge wi...
by nordlead
Tue Dec 23, 2014 11:45 am
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 10974

Re: LED Flood Light Question (CREE/FEIT/Etc)

what you may be perceiving as "brightness" may be color temperature. A cooler (higher color temperature) light may appear brighter than a warmer (lower color temperature) light, or it could be very inefficient incandescent bulbs. As for lights that provide a good warm incandescent like col...
by nordlead
Tue Dec 23, 2014 11:06 am
Forum: Personal Consumer Issues
Topic: 2-Factor Authentication/Google Voice Number?
Replies: 10
Views: 2374

Re: 2-Factor Authentication/Google Voice Number?

Even if you use SMS for two-factor, you should still print and lock away paper codes, if available, just in case. What happens if your phone number changes or is terminated and you forgot to update the website first? You are hosed if you don't have those codes locked away. Also, Ting will be support...
by nordlead
Tue Dec 23, 2014 10:16 am
Forum: Personal Consumer Issues
Topic: 2-Factor Authentication/Google Voice Number?
Replies: 10
Views: 2374

Re: 2-Factor Authentication/Google Voice Number?

Google Voice should be avoided for 2-factor authentication if possible, but can be used for quasi-two-factor. If given the option, you should use Google Authenticator instead (or a similar program since they are based on a standard). I would use Google Voice for two-factor over one-factor any day as...
by nordlead
Tue Dec 23, 2014 9:08 am
Forum: Personal Investments
Topic: 2015 Roth IRA
Replies: 25
Views: 4471

Re: 2015 Roth IRA

It depends. I'll be putting the cash aside as it comes in, but I don't like to contribute to an IRA until my liquid cash accounts have sufficient funds and I have a solid picture of my tax situation. I contributed to my 2013 IRAs (mine and a spouse IRA) in both September 2013, and January 2014. I ha...
by nordlead
Tue Dec 23, 2014 8:27 am
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 11787

Re: Do you have or recommend a Financial Only PC?

If you don't want to do this, then don't do it. But don't discount the utility of segmented systems just because you don't do it. Yes, there are other threat vectors. There are ALWAYS other threat vectors. The question is: will this eliminate some threat vectors for very little cost? For most peopl...
by nordlead
Tue Dec 23, 2014 7:56 am
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 26649

Re: What % of net worth is your home?

30yo, 19% of my net worth is in my house, unless I take Zillow's estimate, then it is like -15%. So, I have no clue really. But, I bought my house with the intention of staying in it for life. I saw no point in buying a small house when I had my first child. Had I bought a 1ksqft house in a poorer a...
by nordlead
Tue Dec 23, 2014 7:30 am
Forum: Personal Consumer Issues
Topic: How to tackle a crack on the windshield
Replies: 28
Views: 3686

Re: How to tackle a crack on the windshield

I can't imagine driving a car with a windshield liable to go at any minute, unless I had zero dollars to pay for a replacement. They're tempered glass, right? So the whole thing could go into tiny fragments. They are a 3-pane system. Glass, then a bonding agent (plastic glue type layer), and then g...
by nordlead
Mon Dec 22, 2014 5:06 pm
Forum: Investing - Theory, News & General
Topic: Someone tried to login to my vanguard account yesterday
Replies: 38
Views: 11313

Re: Someone tried to login to my vanguard account yesterday

I too am having repeated security code texts after activating the new security feature at Vanguard. The first one I'm sure was elicited by Mint after I logged in and it attempted to refresh my account holdings - but I've also had several since then while I'm not logged in to Mint - does Mint interm...
by nordlead
Mon Dec 22, 2014 4:12 pm
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 11787

Re: Do you have or recommend a Financial Only PC?

if I was going the VM or USB route, I'd probably use puppy linux. It is super lightweight and makes Lubuntu look bloated.
by nordlead
Mon Dec 22, 2014 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 12004

Re: What are your 2015 Financial Goals?

Over the last 2 years I've made a big push to increase my savings, so my goal for 2015 involves a cutback and then to slowly ramp up the savings again as I did drain some of my EF to stretch for the savers credit. 1) Refinance house as effectively as possible (from 5% 30-year to hopefully a 3.0-2% 1...