Search found 579 matches

by Wannaretireearly
Sun Jun 21, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 16662

Re: Is it worth aspiring to get more?

I enjoy my work, love the people I work with (all very smart) but it is by nature high stress and very consuming M-F. Do not underestimate the stress that can come from no longer enjoying your work with people that you love. When I became a SAHD, I found that I started living my wife's job vicariou...
by Wannaretireearly
Wed Jun 10, 2015 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move out of my family's home?
Replies: 55
Views: 5167

Re: Should I move out of my family's home?

We dont know your situation well enough, IMO. Perhaps you can swing a better social life by living "part time" with friends? Negotiate having a girlfriend at home too? What have you got to lose if your gonna piss of your parents anyway by moving out. I lived at home after college, until i ...
by Wannaretireearly
Tue May 26, 2015 1:23 am
Forum: Personal Consumer Issues
Topic: Home Remodel - too many decisions, need help!
Replies: 14
Views: 1591

Re: Home Remodel - too many decisions, need help!

Appreciate the responses - keep them coming please, this is very valuable. A few follow ups below: 1. We have a new furnace already in the garage. Forced air & AC. Seems tank less water-heater is something i should investigate further. 2. We don't have a kitchen designer - but are now considerin...
by Wannaretireearly
Mon May 25, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 38
Views: 2285

Re: $4500 reasonable for wills for blended family and some trusts?

Do you have an employer legal plan option. E.g. Hyatt? You'll save thousands. Did our first estate plan, trust, wills, health care directives etc 5 years ago. Now doing the whole thing again thru Hyatt to revise and update. Total cost: $200 for the annual plan at open enrollment, selected only for t...
by Wannaretireearly
Sun May 24, 2015 9:55 pm
Forum: Personal Consumer Issues
Topic: Home Remodel - too many decisions, need help!
Replies: 14
Views: 1591

Re: Home Remodel - too many decisions, need help!

We plan on not moving from this house & understand we won't get all that money back
by Wannaretireearly
Sun May 24, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: Home Remodel - too many decisions, need help!
Replies: 14
Views: 1591

Home Remodel - too many decisions, need help!

Hello BH Friends, We'll be starting a big home remodel and I need some help with some of the choices to be made. Our 1977 Nor Cal single story home is a 1400 sq ft, 4 bed 2 bath + permitted sun-room. We're not going to add sq ft, but will be adding a powder room, in the space an existing closet is n...
by Wannaretireearly
Thu May 14, 2015 11:08 pm
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 9565

Re: How much can I spend on a car?

I don't see myself marrying and moving out until I'm in my 30s. Dating issues aside (you've already gotten a lot of feedback on that), how do your parents feel about this? When I was 25 (6 yrs ago), I had the same education and similar salary, but I wasn't a freeloader in my parent's house, I had m...
by Wannaretireearly
Mon May 11, 2015 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Any refi at present that would help me?
Replies: 4
Views: 484

Any refi at present that would help me?

I have 7 years left on a 10 year loan. 2.875 apr.
Don't pay any extra and about 300k left - roughly 3800 month payment.

Any smart ideas on getting a better overall deal - or just stay put?

Would something like a fixed 5 or 7 year loan help or exist?

:beer
by Wannaretireearly
Wed Apr 29, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: Help re Car [convertible]
Replies: 43
Views: 3295

Re: Help re Car

A Mazda Miata is a good choice if you want a sporty car. If you want something that is more roomy and sedate a used Toyota Camry Solara is a great option. The Camry Solara was built from 1999 through 2008. This. I have a 2004 Solara conv & I've loved this car! Rock Solid - no issues, still driv...
by Wannaretireearly
Tue Apr 21, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement 2040..Why 90% Equities?
Replies: 15
Views: 2041

Re: Target Retirement 2040..Why 90% Equities?

I use TRD 2045 in almost all our 401k - I've had similar concerns to the OP. Even tho I want to retire early at around 50 (2028 ish) I'll be using taxable money first - so my logic is something like I'll need to have two buckets of money - one mostly taxable to take me from 50 to 60-65, and the 401k...
by Wannaretireearly
Mon Apr 13, 2015 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 3912

Re: Economics of climbing the ladder - experiences requested

It really depends on what YOUR goals are, and what makes YOU happy. For example, my father retired a few years ago from IBM as a brand CFO. He was as high as you can go in management without being considered a junior level executive. Over the years, he has been offered several executive positions j...
by Wannaretireearly
Mon Apr 13, 2015 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Help me figure out my (FIRE) number?
Replies: 8
Views: 1923

Re: Help me figure out my (FIRE) number?

Wow - thanks for all the detail Rob! I've read your post a few times and still digesting it. The iorp site looks great - I'm sure I'll play with that soon. Me and my wife would have around 25 years of SS at age 50 (mostly all max contribution years) so that will definitely help, maybe even more like...
by Wannaretireearly
Mon Apr 13, 2015 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Help me figure out my (FIRE) number?
Replies: 8
Views: 1923

Re: Help me figure out my (FIRE) number?

What are you going to do with your time when you FIRE? Is it going to cost more money than you are spending on this activity now? I don't see that in your budget. I've found that I can use all of the time I used to spend at work in ways I hadn't dreamed of when I was working. Some of them are free ...
by Wannaretireearly
Mon Apr 13, 2015 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Help me figure out my (FIRE) number?
Replies: 8
Views: 1923

Re: Help me figure out my (FIRE) number?

Part three implies 0% real return, which is ultra conservative (an all-TIPS portfolio). If you are less conservative than that you can get by with less money. True - thanks. If my current projection in part 3 is ultra conservative (very safe) - what would be a realistic projection assuming a 50/50 ...
by Wannaretireearly
Sun Apr 12, 2015 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Help me figure out my (FIRE) number?
Replies: 8
Views: 1923

Help me figure out my (FIRE) number?

This post is to try and figure out my FIRE number. My goal is to be able to FIRE in 13 years at age 50 (mortgage paid off & kids in college). i.e. Be first in line for an early retirement package and/or take a year (or 5) off to travel etc. PART 1 - Projected expenses in retirement: My current e...
by Wannaretireearly
Sat Apr 11, 2015 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 3912

Re: Economics of climbing the ladder - experiences requested

I always valued other aspects of my work much more than moving up the ladder or a better title. That doesn't mean there isn't room for advancement though. You should be able to get a very good idea of what the jobs one or two rungs above you involve, how much they may change your work/life balance,...
by Wannaretireearly
Fri Mar 27, 2015 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 3912

Re: Economics of climbing the ladder - experiences requested

Thanks! Appreciate the responses and would like to hear from more
by Wannaretireearly
Fri Mar 27, 2015 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 3912

Re: Economics of climbing the ladder - experiences requested

midareff wrote:
What happened to the entire thought train of implementing your guidance and ideas to your staff?


I'm assuming you mean this as a pro in this context. i.e. imparting wisdom & mentoring being something to enjoy. Which I do :)
by Wannaretireearly
Fri Mar 27, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 3912

Re: Economics of climbing the ladder - experiences requested

The higher you go in an organization the more likely you will work directly with or for jerks and sociopaths. It adds to the stress but it does develop your interpersonal skills. In my case, there was a lot of relocation. Thanks jebmke. I was thinking along the same lines - this may be one of the m...
by Wannaretireearly
Fri Mar 27, 2015 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 3912

Economics of climbing the ladder - experiences requested!

Happy Friday Bogleheads, Something thats been on my mind to post - What are the true economics and experiences of climbing the ladder? Pros of career advancement: 1. More money 2. More prestige 3. Perhaps better marketability, career path 4. Increased Job satisfaction? Cons of career advancement: 1....
by Wannaretireearly
Mon Mar 23, 2015 2:39 am
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 6771

Re: Any situations car leasing makes sense?

Good thread. Any leasors willing to detail their end of lease math? I'd be interested in knowing how close the lease deal came out vs. residual value etc. obviously there are soft or intangible value items for both lease and buy which are harder to factor than the raw numbers...but the math details ...
by Wannaretireearly
Sun Mar 22, 2015 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: 2013 tax year: Morgan Stanley 1099-B questions
Replies: 2
Views: 323

Re: 2013 tax year: Morgan Stanley 1099-B questions

Thanks TFB. My 2013 Schedule D shows I have cost basis logged for my ESPP transactions. I'm sure this came directly from the 1099-B import from MS to TurboTax. i.e. i didn't modify this. Perhaps when you say Morgan Stanley did not report cost basis in 2013 for 1099-B's, that was for a different type...
by Wannaretireearly
Sat Mar 21, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 3234

Re: Children's Swingset

We didnt have space for a big swingset in the back yard, but we did put this indoor jungle gym into our garage. Ordered online and I installed it in a day or so. Kids love this, and no weather issues. Good exercise using the pull ups, chin ups and rings. Limikids: http://limikids.com/ I would be int...
by Wannaretireearly
Sat Mar 21, 2015 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: 2013 tax year: Morgan Stanley 1099-B questions
Replies: 2
Views: 323

2013 tax year: Morgan Stanley 1099-B questions

I've filed for 2014 with all the help i got from this thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=159031 I'm concerned I made cost basis errors in 2013. 2013 tax Facts: 1. I had a much higher gain in 2013 partly cos of highly appreciated stock sales which were acquired in 2011/2...
by Wannaretireearly
Sun Mar 15, 2015 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: RSU Cost Basis (Etrade and Turbo Tax) - Help!!
Replies: 30
Views: 4344

Re: RSU Cost Basis (Etrade and Turbo Tax) - Help!!

Turbo tax should link to TFB's site and give him the credit and traffic...
by Wannaretireearly
Sun Mar 15, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: RSU Cost Basis (Etrade and Turbo Tax) - Help!!
Replies: 30
Views: 4344

Re: RSU Cost Basis (Etrade and Turbo Tax) - Help!!

TFB: Thank you very much! I have made my updates per your great guidance. We are in your debt for the help you give us with clear step by step instructions on your site. I've been doing taxes in this country for the past 15 years, and I get anxious and nervous every Feb/March thinking about all the ...
by Wannaretireearly
Sat Mar 14, 2015 1:52 am
Forum: Personal Finance (Not Investing)
Topic: RSU Cost Basis (Etrade and Turbo Tax) - Help!!
Replies: 30
Views: 4344

Re: RSU Cost Basis (Etrade and Turbo Tax) - Help!!

Thanks tfb - should've known you would address this on your site! What difference does it make whether you do an adjustment, or just update the cost basis directly? I'm guessing the adjustment is the more 'proper' way to do it - but both result in the same math? Also, do you have a similar RSU demo ...
by Wannaretireearly
Sat Mar 14, 2015 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Best 4-6 person tent
Replies: 20
Views: 1693

Re: Best 4-6 person tent

Thanks y'all - yep were car camping and my upper limit will be $300.
The 8/9 person coleman instant tent looks like the one we'll go with. At target for just under $200
http://www.target.com/p/coleman-9-perso ... A-13186698
by Wannaretireearly
Sat Mar 14, 2015 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Turbo tax: simplified foreign tax limitation for AMT
Replies: 5
Views: 792

Re: Turbo tax: simplified foreign tax limitation for AMT

Thanks kaneohe. This is beyond me. As long as simplified = 'the better option', I think I'll move on ;) Start w/ the line 32 instructions in the table of contents. This part is at the end, just before the line 34 section: Simplified Limitation Election You may elect to use a simplified section 904 l...
by Wannaretireearly
Sat Mar 14, 2015 12:12 am
Forum: Personal Finance (Not Investing)
Topic: RSU Cost Basis (Etrade and Turbo Tax) - Help!!
Replies: 30
Views: 4344

Re: RSU Cost Basis (Etrade and Turbo Tax) - Help!!

siamond wrote:No clue what the IRS is doing to us, quite frankly, but yes, same issue, you need to make sure the recognized income is taken in account, otherwise you will be taxed twice on this income. And if you happen to have some ESOP, well, same thing again.


Thanks Siamond!
by Wannaretireearly
Fri Mar 13, 2015 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo tax: simplified foreign tax limitation for AMT
Replies: 5
Views: 792

Turbo tax: simplified foreign tax limitation for AMT

I elected to do this (simplified foreign tax) for the first time this year. God knows what I just did!
Actually I'm sure someone here will guide me on what this means :)
by Wannaretireearly
Fri Mar 13, 2015 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: RSU Cost Basis (Etrade and Turbo Tax) - Help!!
Replies: 30
Views: 4344

Re: RSU Cost Basis (Etrade and Turbo Tax) - Help!!

Thanks folks - I think i've got the RSU section done now in TT. Pheeew! Now I have a similar question about ESPP in TT. For a particular ESPP sale, the TT import from eTrade represents (only) the Acquisition cost (7032.29) as the cost basis. Should I be updating the TT cost basis to include the ordi...
by Wannaretireearly
Fri Mar 13, 2015 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Best 4-6 person tent
Replies: 20
Views: 1693

Re: Best 4-6 person tent

Thanks all - some very useful replies. keep em coming please! We are not backpacking so weight is less of an issue - were taking the mini-van so space is not an issue either lol. We'll be going to cub scout camping events - so i think its mostly father or mother/son & some camps are for whole fa...
by Wannaretireearly
Fri Mar 13, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best 4-6 person tent
Replies: 20
Views: 1693

Best 4-6 person tent

Folks, To the avid campers out there: what is the best 4-6 person tent in your opinion? We will probably be camping (Scouts) 3-5 times every year. Looking for: comfort, easy to put up, good size for 4 adults, durable etc. Checked costco & they only have two and perhaps not the best option for te...
by Wannaretireearly
Fri Mar 06, 2015 11:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 5887

Re: Boglehead degree status

Interesting responses thank you. Answering a few pm questions I got: I've only ever TLH'ed once when by luck i fixed my portfolio with retiredjg's help. I would say TLHing continuously (e.g. Every year or two if markets dictate) falls into the 'masters' category to me because: it takes market monito...
by Wannaretireearly
Fri Mar 06, 2015 4:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 5887

Boglehead degree status

I feel there are multiple levels of BH knowledge, participation & status. Bachelors: - understand all BH basics. Practice tax efficiency to a degree & execute back door IRA's where appropriate. Back door Roth IRA - probably the most complex thing we can manage regularly Masters: - practice T...
by Wannaretireearly
Thu Mar 05, 2015 9:32 pm
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 50
Views: 3914

Re: How do you decide when to buy car?

Good question
Sold a 10 yr old vw and was glad to get rid of it cos of. Nagging issues
Own a 11 yr old Toyota which I don't see replacing til I see my first repair over $1000

Don't have any patience for continuous issues/repairs past 10 years old
by Wannaretireearly
Thu Mar 05, 2015 2:33 am
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 21991

Re: Wife tired of saving...

As to the BMW, I want to clarify that its not FOR her....its for US. We can easily afford it, and we should. 20K and a lot more is sitting in the bank earning 0% (according to her). All our friends have it and say its an amazing drive and she kinda fell into that trap. Buying the BMW honestly not g...
by Wannaretireearly
Sat Feb 28, 2015 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: RSU Cost Basis (Etrade and Turbo Tax) - Help!!
Replies: 30
Views: 4344

Re: RSU Cost Basis (Etrade and Turbo Tax) - Help!!

ok, an update. I added the date acquired and cost basis in TT based on evancox10's initial, clear, explanation. Thank you. 1. Added date acquired from the e-trade stmt. God knows why this wouldn't transfer automatically during the TT import. 2. Added the cost basis based on the ordinary income recog...
by Wannaretireearly
Sat Feb 28, 2015 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: RSU Cost Basis (Etrade and Turbo Tax) - Help!!
Replies: 30
Views: 4344

Re: RSU Cost Basis (Etrade and Turbo Tax) - Help!!

Thanks All. And a very good discussion above which is also relevant for me re: ESPP. I'm going to digest all this good info and perhaps ask a few more questions if needed. I do have all the forms you guys mention from both eTRADE and my employer. My head is spinning on a sat afternoon, with all this...
by Wannaretireearly
Tue Feb 24, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 86
Views: 7650

Re: Luxury Car

Don't mind spending medium bucks up front. Hate high maintenance costs.
I'm eyeing the new Lexus nx hard. The GS would be a splurge.

This given I need 4 doors and boot space
by Wannaretireearly
Tue Feb 24, 2015 12:53 am
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3479

Re: How do you plan on spending your time during retirement?

Trying my best to live a retired life while working. I.e. working to live - a lot ( is there a book on this?) When I actually retire: 1. Exercise/work out more/daily 2. Watch even more sports: soccer, cricket, football, basketball, tennis, snooker, he'll even baseball 3. Try to watch more live sport...
by Wannaretireearly
Sat Feb 21, 2015 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: RSU Cost Basis (Etrade and Turbo Tax) - Help!!
Replies: 30
Views: 4344

RSU Cost Basis (Etrade and Turbo Tax) - Help!!

An example from my 1099-B entry for RSU in TurboTax (after uploading info from eTRADE): 38 Shares sold, Date Sold: 1/15/2014, Sale Price: $1589, Please enter Cost Basis: 'Blank' In E-trade I see the following explanation of cost basis: Understanding Your Cost Basis Information for Lots Sold After 20...
by Wannaretireearly
Sun Feb 08, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2578

Re: iPhone radiation levels

While studies tended to show negative correlation, a few did show positive. Because of the delay in onset of symptoms, it could be many years before they show up. One long term study did show positive correlation, but because of the small number of subjects in needs follow up. I use phones with as ...
by Wannaretireearly
Sun Feb 08, 2015 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2578

Re: iPhone radiation levels

This is accurate. I'm an electrical engineer, and this is an area of my expertise. I even know some of the engineers who designed the iphone antenna systems. You could take that as validation that I understand the subject, and/or that I'm biased. :happy The proper term for current recommendations i...
by Wannaretireearly
Sun Feb 08, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2578

iPhone radiation levels

http://www.rfsafe.com/simultaneous-rating-iphone-6-sar-nearly-exceeds-legal-radiation-limits/ I will switch to Samsung soon. Hopefully the S6 when that comes out mainly due to the much higher radiation levels with all iPhones. I do believe even if there is not major damage caused, there likely is mi...
by Wannaretireearly
Fri Feb 06, 2015 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Replacing a reliable Toyota
Replies: 43
Views: 4533

Re: Replacing a reliable Toyota

With significant repair costs (and hassle) it sometimes seems like it would be best to lease a Nissan leaf!
A co-worker leased a leaf for $260/month no money down for 3 years. Seems low risk to me.....
by Wannaretireearly
Fri Feb 06, 2015 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Replacing a reliable Toyota
Replies: 43
Views: 4533

Re: Replacing a reliable Toyota

I so have to say my 2006 4Runner, bought new, is still on all original bulbs except for the headlights and interior lights that I explicitly changed to HID (headlights) and brighter LEDs (interior). Additionally, I can change my air filter in 3 minutes on my 4Runner and my cabin filter in less than...

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