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Re: Thinking of getting a Masters in I/O Psychology

jbdriver/Ruby, The data part is what I enjoy most about the field. Thanks for the links Ruby. Would any credentials be helpful in this area or is self study sufficient? I do database work as part of my application development/IT work but it is a small part of the job rather than a primary part of t...
by Ruby
Thu Feb 26, 2015 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of getting a Masters in I/O Psychology
Replies: 20
Views: 1257

Re: Career advice?

Data sciences was discussed here.

See if that helps

viewtopic.php?f=11&t=159419
by Ruby
Wed Feb 25, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice?
Replies: 11
Views: 1012

Re: Thinking of getting a Masters in I/O Psychology

jbdiver nailed it. I was about to suggest the "data science program", jbdiver stated the same. Data is going to reside in the U.S. any resource who understand the business data will do well. Fine as wine as they age. No new entrant can match the long term employee as Subject Matter Experti...
by Ruby
Wed Feb 25, 2015 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of getting a Masters in I/O Psychology
Replies: 20
Views: 1257

Re: Thinking of getting a Masters in I/O Psychology

Uhmmmm... If you are a technical software developer and looking for a change in career, in psychology, it tells a lot. However did you considered within the technology some other non technical developer roles such as business analyst, project coordinator, IT manager, etc. End of the day, you have to...
by Ruby
Wed Feb 25, 2015 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of getting a Masters in I/O Psychology
Replies: 20
Views: 1257

Re: What are Costco's best deals?

Fruit Veggies Gas Beer I should check some of the prices, I think we are paying more than we should in some areas. On the other hand the customer service has always been good, I see the same people working all the time (must have low turn over), from what I hear they pay the employee's a decent wag...
by Ruby
Wed Feb 25, 2015 9:49 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 137
Views: 10328

Re: Where to buy nice men's dress shirts?

joe8d wrote:JC Penny. Stratford Dress Shirts.


+ 1
by Ruby
Thu Feb 12, 2015 9:08 am
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6105

Re: garbage disposal installation

If you can't replace a garbage disposal yourself*, you shouldn't own a house. *assuming you are able bodied Not necessarily, if you can hire someone, why not ? Basic economics is that, even if the surgeon can type faster than his / her secretary, surgeon should not do the secretary job. He / she sh...
by Ruby
Wed Feb 04, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposal installation
Replies: 33
Views: 1292

Re: garbage disposal installation

sksbog wrote:Thanks guys. I sent the guy back and paid his assessment fee $29.
I have another another quote from this company flat rate $120/hr the $30 ever 15 mins.


Yeap, my plumber charges me $30 ever 15 mins. Replaced the garbage disposal, for $45 or so, many years ago.
by Ruby
Wed Feb 04, 2015 11:06 am
 
Forum: Personal Consumer Issues
Topic: garbage disposal installation
Replies: 33
Views: 1292

Re: How to report for Tax, Student computer purchase from 52

Will you eventually spend all of the 529 for future "normal" qualified expenses (i.e., tuition, room and board)? If so, I wouldn't bother testing the IRS by trying to buy a computer this way. Just pay cash. You'd prefer to keep the money in the 529 as long as possible anyway. Yes agreed, ...
by Ruby
Mon Feb 02, 2015 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 860

Re: How to report for Tax, Student computer purchase from 52

matonplayer wrote:
gasman wrote:Anybody know anyone who has ever been audited on a 529 distribution?


I have. We printed a screenshot of the website at my son's college that showed the tuition payments made and sent it in. That seemed to satisfy the IRS. :)


Great :D
by Ruby
Mon Feb 02, 2015 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 860

Re: How to report for Tax, Student computer purchase from 52

Thanks nanoanalyzer. Great information. Makes me feel comfortable. At least I learn on 529 withdrawal / tax reporting. Based on the replies from all, I came to the conclusion, that I have to keep my own documents for "Qualified Expenses" Your response, confirmed my thinking earlier. Again,...
by Ruby
Mon Feb 02, 2015 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 860

Re: How to report for Tax, Student computer purchase from 52

To the OP, there will be a Student Information Worksheet where everything school related will be dealt with. It will appear in TTax after you start the education deductions part. Thanks fundseeker. This helps. Will look for the " Student Information Worksheet " or will read on that. Maybe...
by Ruby
Mon Feb 02, 2015 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 860

Re: How to report for Tax, Student computer purchase from 52

"If the distribution doesn’t exceed the amount of the student's qualifying expenses, then you don't have to report any of the distribution as income on your tax return. If the distribution exceeds these expenses, then you must report the earnings on the excess as "other income" on yo...
by Ruby
Mon Feb 02, 2015 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 860

Re: How to report for Tax, Student computer purchase from 52

"A. A qualified, nontaxable distribution from a 529 plan during 2009 or 2010 now includes the cost of the purchase of any computer technology, related equipment and/or related services such as Internet access. The technology, equipment or services qualify if they are used by the beneficiary of...
by Ruby
Mon Feb 02, 2015 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 860

Re: How to report for Tax, Student computer purchase from 52

There are lots of potential college costs that are "qualified" for tax free 529 reimbursement that will not show up on a form 1098-T. The key for a computer will be whether or not the school "requires" it. If not, then it's not qualified. Thanks Leesbro63. Have made sure the com...
by Ruby
Mon Feb 02, 2015 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 860

Re: How to report for Tax, Student computer purchase from 52

Thanks Livesoft, Toons, Yes the computer is mandatory for the school, as per the admission package letters. yesterday read IRS 970 forms also. Did not start the turbo tax yet. may be that will answer more. Just wondering on which tax form and which line this expense will go in the tax return. Once I...
by Ruby
Mon Feb 02, 2015 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 860

How to report for Tax, Student computer purchase from 529

My daughter, college program requires computer. Planning to withdraw from 529, plan. However not sure that this withdrawal will be reported in tax ( Turbo Tax), as one of the qualified expenses. I assume that the school's 1099 T will not account this expense, as we are purchasing the computer oursel...
by Ruby
Mon Feb 02, 2015 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 860

Re: Do you work with Oracle?

You have not been working with oracle, for last 10 years, after the certification, so why do need to maintain the certifications. No need. Why not do something in the area of your work expertise. If you have not done "Toastmaster", join a toastmasters club and work on your communication an...
by Ruby
Mon Feb 02, 2015 6:13 am
 
Forum: Personal Finance (Not Investing)
Topic: [worth it to upgrade Oracle DB certification for non DBA?]
Replies: 4
Views: 592

Re: Birthday gift ideas for a 7 year old chess player

See if the membership to online chess playing site is optimal

http://www.chessclub.com/
by Ruby
Mon Jan 19, 2015 9:39 am
 
Forum: Personal Consumer Issues
Topic: Birthday gift ideas for a 7 year old chess player
Replies: 19
Views: 1526

Re: US/foreign allocation under massive relative US drop

This discussions, of Market weighing comes often, and I was really trying to follow, but hard to follow. Hence in the last 2 / 3 months, after many readings and thoughts and experiences, wrote in my IPS, as follows. 1. Investment like anything else in life is some part science and some part art. 2. ...
by Ruby
Sun Jan 18, 2015 5:20 am
 
Forum: Investing - Theory, News & General
Topic: US/foreign allocation under massive relative US drop
Replies: 21
Views: 1453

Re: Is this normal for a new account?

Same issue, we are facing. Tried to open an new account. The online application was struck in the middle of the process. Called customer service, she cannot figure out what was going on. In the end, said to submit the paper application. Mailed the paper application, no information for about two week...
by Ruby
Thu Jan 15, 2015 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Is this normal for a new account?
Replies: 9
Views: 1963

Re: Accepting counter-offer to stay at job

rgardne70 wrote:My feeling is that once you have accepted the new position and given your notice, you honor your commitment if you are a person of integrity.

Any negotiation and talking with your current employer should have occurred before you accepted the new position.


+1
by Ruby
Mon Jan 05, 2015 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6703

Re: The riskiest (Bogleheads) portfolio you can think of

50 % Total Stock Market Index
50 % Extended Market Index
by Ruby
Sun Jan 04, 2015 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: The riskiest (Bogleheads) portfolio you can think of
Replies: 15
Views: 1651

Re: New $1 additional investment minimum at Vanguard

Great to teach college kids to save say $20 per week :D
by Ruby
Fri Jan 02, 2015 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: New $1 additional investment minimum at Vanguard
Replies: 11
Views: 2544

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2265.68
by Ruby
Thu Jan 01, 2015 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19924

Sector Investing - Need Clarification

Mostly our portfolio is a 3 / 4 Index fund portfolio. Lately an urge, pops up, why not invest 5 % or 10% in sector funds. Not able to make a decision one way or another. Still reading... on the topic My thought goes like this... Invest 5 % or 10% of the current portfolio in 2 /3 sector funds. Then i...
by Ruby
Sun Dec 28, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sector Investing - Need Clarification
Replies: 2
Views: 324

Re: Where to put cash now? Prefer CD's.

obgyn65 wrote:I always buy my CDs (most of them 10-year CDs) from edward jones to make sure I get very high rates. I have never been disappointed by edward jones on that front.


Please can you state where edward jones refers in the end for the CD
by Ruby
Sun Dec 28, 2014 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put cash now? Prefer CD's.
Replies: 33
Views: 6917

Re: Don't be tempted to buy your teen a cheap (old) car, par

The data are clear. Teens should never drive cars - new or old, cheap or expensive. Or be home schooled through college. Then find a Work at Home job. +1 It all depends on your situation. If the teen is in college and has the opportunity to commute, what are the options, without driving their own c...
by Ruby
Wed Dec 24, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 139
Views: 11747

Re: Help with an adults only all-inclusive

Through AAA

Dreams La Romano, Dominican Republic

Other dreams or secrets properties

http://www.amresorts.com/
by Ruby
Sat Dec 20, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 26
Views: 4465

Re: Thanking of mid career shift

Consider IT Manager positions, for companies ( Not consulting ) You may make a good fit as the Application Management Service(AMS), manager / technical lead for the areas of payroll / purchasing. Once in, you can transition to other IT manger \ technical \ leadership roles across other business area...
by Ruby
Mon Dec 15, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thanking of mid career shift
Replies: 6
Views: 1536

Re: Foreign currency exchange (small amounts)

Any ideas on exchanging small amounts of foreign currency? I have a few dollars worth leftover from a business trip. My credit union won't do an exchange, and Wells Fargo wants a $7.50 fee. Which is more than the currency is worth. On the other hand, throwing the money in the trash seems wrong. Giv...
by Ruby
Mon Dec 15, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Foreign currency exchange (small amounts)
Replies: 3
Views: 329

Re: Should I buy house with a crack?

cheese_breath wrote:
rob wrote:Don't guess... pay a structural engeneer to make a determination.

+1 Yes, do that.


+ 1

Don't guess, get a professional structural engineer evaluate and provide the recommendation.
You price can account for the future repairs, as needed.

If possible stay away from this house, as well.
by Ruby
Mon Dec 15, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3291

Re: Is it safe to leave Laptop in hotel room

Mostly leaving the laptop in the hotel room is safer, if the hotel is a chain and business class.
Have done it every time I travel, for many years.

thanks
Ruby
by Ruby
Sun Dec 07, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 13925

Re: Dealing with unauthorized (lawyer) bill

You do need to see if you do want to pay off and go on with your life or fight this one, if the $$$ is significant and you have the muscle to fight over. Not sure, by mailing the documents and discussing, you had a verbal agreement. Only the two of you will know and it will be the point of disagreem...
by Ruby
Thu Dec 04, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 9753

Re: Where do you tilt (your 3-fund portfolio)?

On the Equity side, I am contemplating to be as follow : 25% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) 25% Vanguard Extended Market Index Fund Admiral Shares (VEXAX) 25% Vanguard FTSE All-World ex-US Index Fund Admiral (VFWAX) 25% Vanguard FTSE All-World ex-US Small-Cap Index Fun...
by Ruby
Wed Dec 03, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Where do you tilt (your 3-fund portfolio)?
Replies: 42
Views: 3601

Re: Best CD rates ...

One thing. Your best bet with CDs might be to ladder those 5-yr CDs. Buy one this year at the best rate you can find, another next year, and so on, until the five-year ladder is filled. Five-year CDs, by-and-large, are the most competitive and the most readily-available. The key to any CD ladder is...
by Ruby
Mon Dec 01, 2014 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4578

Re: Best CD rates ...

That range for a 5 yr CD is very good. I wouldn't worry about the on line bank. Just be sure to understand the early redemption penalty and if the bank retains the right to refuse early redemption. That goes for brick and on line bank CDs. Vanguard offers a brokerage 5 yr CD at 2.3% (FDIC). It is b...
by Ruby
Mon Dec 01, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4578

Re: Best CD rates ...

Fidelity Fixed Income/CD rate page: https://fixedincome.fidelity.com/ftgw/fi/FILanding 5yr brokered CD 2.3% Thanks, trying to my head around, "what is a brokered CD ?" - Brokered CD's are CD offerings that are sold at firms such as Fidelity or Vanguard, rather than directly by the bank - ...
by Ruby
Mon Dec 01, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4578

Re: Best CD rates ...

orlandoman wrote:Fidelity Fixed Income/CD rate page: https://fixedincome.fidelity.com/ftgw/fi/FILanding

5yr brokered CD 2.3%



Thanks, trying to get my head around, "what is a brokered CD ?"
by Ruby
Mon Dec 01, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4578

Re: Best CD rates ...

Check out Vanguard brokered CD's. New or existing CDs can be purchased, that pay out more. I just purchased some 10 year CDs at Vanguard paying out 3.4%, and they are worth more now, than when I purchased them. Imagine that. I think that 3.2% is now being sold new there. Not aware of the product su...
by Ruby
Mon Dec 01, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4578

Re: Best CD rates ...

Tom_T wrote:A year ago, Penfed had a "sale" on CDs, with attractive rates. We'll see if they do it again.


In January ?
by Ruby
Mon Dec 01, 2014 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4578

Best CD rates ...

Researching for the Best CD rates... So far Synchrony bank CD rate of 2.2 % - 2.5 %, seems the optimal https://www.myoptimizerplus.com/banking/products/cd/index.htm?UISCode=0000000 Any other banks to consider. This will be the first time, to go towards a fully online bank. Any challenges to think ab...
by Ruby
Mon Dec 01, 2014 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4578

Re: Girlfriend with a LOT of Student debt.

To me there seems to be disconnect, I am not sure the OP is aware of her earnings potential aka "human capital" she has. She not wanting to practice law, do not take away her earned human capital. She will utilize it. With $50 k earning not sure of the OP education. For sure the girl frien...
by Ruby
Tue Nov 25, 2014 2:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13844

Re: Girlfriend with a LOT of Student debt.

To me there seems to be disconnect, I am not sure the OP is aware of her earnings potential. With $50 k earning not sure of the OP education. For sure the girl friend haS the professional education, hence the debt due to her education. When I started to earn got a shiny new car, that my manager at t...
by Ruby
Tue Nov 25, 2014 2:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13844

Re: What percent "Boglehead" are you?

85% using the link posted by nisiprius, with my adjustments \ thoughts
by Ruby
Sun Nov 23, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10320

Re: Vanguard Split Acct - did I cause this?

Happened to me earlier. If the account has more than 10 (?) funds in Roth #1, even if the funds have $0 balance, if a new fund is added to the account, it will create Roth#2. With the help of the representative, moved the funds with $$$ amount to Roth #1. Still Roth #2, is available with funds, with...
by Ruby
Sat Nov 15, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Split Acct - did I cause this? (NOT)
Replies: 23
Views: 2743

Re: Livesoft - Thank you

Appreciate all your postings Livesoft. Enjoy reading your posts, very practical, with thoughtfulness. I have been to this site for a couple of years ago, got my mind in the Booglehead philosophy, asked a few questions, and said to myself Okay I got what I do need to know, nothing much for me in this...
by Ruby
Sat Oct 18, 2014 8:16 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 5980
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