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Re: Do you take all of your allowed paid vacation time?

How many Bogleheads lie? Per this poll - 82%! It's not lies, it's self-selection. Victoria I was originally referring to the answer to the first question "I am taking this poll" - apparently, only 19% selected that option. But then, like I said, the poll is flawed as it treats each select...
by an_asker
Fri Aug 22, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 62
Views: 2841

Re: Do you take all of your allowed paid vacation time?

How many Bogleheads lie? Per this poll - 82%!! :oops:

Never mind - it is a bug in the Poll software. I am eating crow and humble pie now.
by an_asker
Fri Aug 22, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 62
Views: 2841

Re: Quote from a mover: Please comment

How about a Boglehead moving party with Pizza provided? :sharebeer [disclaimer: I don't drink beer] Good idea; I'll bring my pickup truck. And I'll drink your beer for you after we're done... This is getting interesting! Should I abandon the idea of movers and recruit Bogleheads? Beer, or sherry, o...
by an_asker
Fri Aug 22, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 24
Views: 1380

Re: Quote from a mover: Please comment

How about a Boglehead moving party with Pizza provided? :sharebeer [disclaimer: I don't drink beer]

True statement: We used the firm of "Man and Wife" for our la(te)st move.
by an_asker
Fri Aug 22, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 24
Views: 1380

Re: Registering luggage in Switzerland

I don't have personal experience but it is patently obvious from the link you provided that they will store your luggage for free for 4 days IF YOU USE THEM TO TRANSPORT IT. If you want to fly to ZRH and store your bag in a locker there, the second set of charges apply. Ah! Thanks for for your resp...
by an_asker
Wed Aug 20, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Registering luggage in Switzerland
Replies: 4
Views: 335

Registering luggage in Switzerland

I am trying to find out what is the most economical way to leave luggage in any one location in Switzerland and then picking it up after a few days. Here is what I read and wanted to get particulars: On the Indications tab here , it says: Storage. Your luggage will be stored free of charge on the da...
by an_asker
Wed Aug 20, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Registering luggage in Switzerland
Replies: 4
Views: 335

Re: Vanguard Lost My Account

One thing these guys could do that they're not doing either is to provide email and/or cellphone text alerts every time there is a transaction on your account, particularly a withdrawal. Allows you to catch fraudulent or other unexpected activity on your accounts right away. All my bank and credit ...
by an_asker
Wed Aug 20, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10314

Re: Pressure Cookers?

Don't know about other countries, but these are/were pretty popular in India (though I have no idea how much of a market share they've lost to microwaves). I believe there are something like 400 million Indians without electricity. A pressure cooker is well suited to third world conditions. Relativ...
by an_asker
Tue Aug 19, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3197

Re: Pressure Cookers?

I really don't understand how they were never in the mainstream. Too many of us saw the tomato sauce on the ceiling effect when our parents used them when we were kids. Please don't blame the utensil. It is called Pressure Cooker for a reason! :oops: Don't know about other countries, but these are/...
by an_asker
Tue Aug 19, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3197

Re: Lifestyle Creep

Nothing wrong with a little lifestyle creep later in life... The trick is to avoid it early on... #1 way to become financially independent, in my opinion, is to save half your raises. Increase your lifestyle slower than your raises, and it doesn't take too long before you're saving serious money Ev...
by an_asker
Fri Aug 15, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2619

Re: Strategic Default

[...]My car is $25k underwater too - I bought it for $30k 8 years ago and it's only worth $5k now. Do I walk away from it (repo'd)? I think the OP needs to put the magnitude of $25k in perspective, aside from any moral issues. That is not how underwater is defined. Unless you have not paid a penny ...
by an_asker
Fri Aug 15, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3040

Re: Vanguard Lost My Account

I received a letter from Vanguard in the mail today that said that my online access to my account had been blocked ... Update: I did contact my former employer this morning, and, NO, they have not changed custodians for their 401((k) management. So, that is not the problem. I did find my Vanguard P...
by an_asker
Fri Aug 15, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10314

Re: Car Value/Income

I think you should have phrased this as "Car Purchase Price/Annual Income" right? I was actually more interested in current value. Value to whom? One person's value is another person's junk... Here is the definition of the word that seems to be tripping you up, ignore the question if it i...
by an_asker
Thu Aug 14, 2014 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Value/Income
Replies: 22
Views: 1902

Re: Strategic Default

[...]But if you can walk away and can be reasonably sure you won't need to borrow again for another 7 years, I say go for it. [...] Like I responded to jimb_fromATL, that 7 years is a gross exaggeration. Urban Legend maybe? I have friends who have re-bought within a couple of years of strategically...
by an_asker
Thu Aug 14, 2014 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3040

Re: Strategic Default

Here are some sort-of random things he may want to think about: First, IMO "strategic default" is just a way to pretend that defaulting on your promise to pay a debt is somehow OK if you call it something else. It doesn't relieve you of the legal (or moral) responsibility to pay people wh...
by an_asker
Thu Aug 14, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3040

Re: Stop Passing Up This Great Deal - In Money Magazine

[...] That's a HUGE "error". How in the world could someone be "qualified" to write for a real financial publication and get this so, so wrong? Problem is, all too many people will read that (well, whoever does make it through any such article rather than "intending to read...
by an_asker
Thu Aug 14, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 10945

Re: Did I make out like a bandit - interest (not Sallie Mae)

The inconsistency of PenFed noted in OP's opening post is what would concern me ; our local bank treats an extra payment towards balance reduction in the same way that produced the free trip to Hawaii for OP ; example using OP's 12% loan , balance on 7/1 of 1000 after the normal July P&I paymen...
by an_asker
Wed Aug 13, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I make out like a bandit - interest (not Sallie Mae)
Replies: 27
Views: 3350

Re: Is the 401k 10% early withdrawal penalty worth it?

[...]I've found plenty of people saying don't do it, but nobody who gave a good reasoned answer why. If you can give some examples or rationale that would be appreciated, but I can get your answer from Money magazine or any number of sources. I'm in no way set on paying the penalty, obviously I wou...
by an_asker
Wed Aug 13, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the 401k 10% early withdrawal penalty worth it?
Replies: 32
Views: 1439

Re: Is the 401k 10% early withdrawal penalty worth it?

[...]I've found plenty of people saying don't do it, but nobody who gave a good reasoned answer why. If you can give some examples or rationale that would be appreciated, but I can get your answer from Money magazine or any number of sources. I'm in no way set on paying the penalty, obviously I wou...
by an_asker
Wed Aug 13, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Is the 401k 10% early withdrawal penalty worth it?
Replies: 32
Views: 1439

Re: Is the 401k 10% early withdrawal penalty worth it?

The subject pretty much says it all, but I'll try to clarify the question and the rationale behind it. My wife and I are both 30, both maxing out 401k/403b and 2 roth IRAs. She has no employer match and I am matched at $5600/year into my 401k. We also contribute around 5k/year to a standard taxable...
by an_asker
Wed Aug 13, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Is the 401k 10% early withdrawal penalty worth it?
Replies: 32
Views: 1439

Re: Can't decide to keep 401k with previous employer or move

Sorry, Doc7, but I got lost somewhere in the middle of this thread. What does cash balance mean? Is it in some vehicle? Who pays the 6%? Does its value only ever go up, and never down regardless of circumstance? Does it face any risk at all? 30-year treasuries yield 3.27%. Are you saying you get al...
by an_asker
Wed Aug 13, 2014 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 48
Views: 4442

Re: Did I make out like a bandit - interest (not Sallie Mae)

[...]So... you may be $2.44 ahead with PenFed compared to some lenders. As for making out like a bandit, not quite. I'd guess that most bandits would not consider that to be enough loot to make up for the added risk of being a bandit. :wink: jimb According to folks who corrected my misunderstanding...
by an_asker
Wed Aug 13, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Did I make out like a bandit - interest (not Sallie Mae)
Replies: 27
Views: 3350

Re: Did I make out like a bandit - interest (not Sallie Mae)

[...] jimb Don't know how this jives with what you wrote, but these are (almost) real numbers ( I've transformed by multiplying each number by a multiplier ): Balance as of 7/1/2014 =============> $144,008.72 Principal only payment 7/28/2014 ======> $1,062.76 ---------------------------------------...
by an_asker
Tue Aug 12, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I make out like a bandit - interest (not Sallie Mae)
Replies: 27
Views: 3350

Re: Did I make out like a bandit - interest (not Sallie Mae)

[...] jimb Don't know how this jives with what you wrote, but these are (almost) real numbers (I've transformed by multiplying each number by a multiplier): Balance as of 7/1/2014 =============> $144,008.72 Principal only payment 7/28/2014 ======> $1,062.76 -----------------------------------------...
by an_asker
Mon Aug 11, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I make out like a bandit - interest (not Sallie Mae)
Replies: 27
Views: 3350

Re: Where do you buy clothes?

livesoft wrote:No, they do not. Academy prices are about the same as Walmart.

Academy is not in FL that I can see on their website. And Sports Authority would've been our next store had Target not delivered.

Thanks for the info though. I will look forward to Academy coming to FL :-)
by an_asker
Mon Aug 11, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8921

Re: Where do you buy clothes?

That said, we had to visit five stores last weekend before we could get black shorts for DD for her soccer. Striking out were Wal*Mart, Ross*2 and Beall. The winner was Target. Athletic clothes are overfilling sports equipment big box stores such as Sports Authority, Academy (least expensive), Dick...
by an_asker
Mon Aug 11, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8921

Re: How old are you?

LadyGeek wrote:A relevant thread: what gender are you?

Next up will be a combined poll, right? ;-)
by an_asker
Mon Aug 11, 2014 10:53 am
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6503

Re: How old are you?

Older than dirt was my usual reply, but I voted accurately in the poll. I am now BACK to New England after my nearly four week 6100 mile domestic excursion, btw... That must've been pretty leisurely when you consider that I turned in our rental car with 1,800 miles of driving after eight days, four...
by an_asker
Mon Aug 11, 2014 10:52 am
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6503

Re: Where do you buy clothes?

This topic was discussed sporadically throughout many other threads, but I was curious to see how other members of the forum felt about clothing. For example, where do you shop for clothes? How often do you buy new clothes? Do you need to justify buying a piece of clothing? Do you prefer certain br...
by an_asker
Mon Aug 11, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8921

Re: How do you address your inlaws and being addressed?

I am very happily married, since in 15 years of marriage I have seen my in-laws 6 times for about a week each time (my husband and I are from different countries and we moved to the US immediately after getting married). The phone calls each of us handles with his parents, so contact is minimal. So...
by an_asker
Mon Aug 11, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4714

Re: How do you address your inlaws and being addressed?

No first names when speaking up a generation. My parents were Mom and Dad to me. My wife's parents were Mama and Papa to her. When we got married, no one changed their names. Mom, Dad, Mama, and Papa were the only names we used.[...] This is so exactly like we do (of course, the words we use are di...
by an_asker
Mon Aug 11, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4714

Re: Stop Passing Up This Great Deal - In Money Magazine

[...] That's a HUGE "error". How in the world could someone be "qualified" to write for a real financial publication and get this so, so wrong? Problem is, all too many people will read that (well, whoever does make it through any such article rather than "intending to read...
by an_asker
Fri Aug 08, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 10945

Re: Which car would you choose?

If we're going to try to translate the hypothetical into something closer to reality, then: 1) I reject the notion that there is a linear relationship between car cost and expected car longevity. In fact, assuming we're talking within the same car class (i.e. minivans, or small CUVs, or whatever), ...
by an_asker
Wed Aug 06, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which car would you choose?
Replies: 13
Views: 700

Re: Which car would you choose?

Anyone else lost? Why not talk specifics. I got the answer already. To my original question, most bogleheads (who understood and responded) would rather pay less and drive the car for a shorter period of time than pay more for a longer lasting car. Needless to say, we are looking at timeframes of 1...
by an_asker
Wed Aug 06, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which car would you choose?
Replies: 13
Views: 700

Re: Which car would you choose?

I hear everyone loud and clear - car A is preferred by most. However, I do appear to have made an inadvertent omission. I should've included a car "Z" that follows the 10-year $20,000 path. Now, would y'all go with the car A or car Z? My situation: Currently driving the equivalent of car A...
by an_asker
Wed Aug 06, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which car would you choose?
Replies: 13
Views: 700

Which car would you choose?

Assumptions: - you have a crystal ball that tells you exactly how much each new car you are considering will cost you - you have a tendency to drive a car as long as you can before getting rid of it (aka drive your car to the ground) Given these assumptions, which of the following cars would you opt...
by an_asker
Wed Aug 06, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which car would you choose?
Replies: 13
Views: 700

Re: Term Life Insurance

All else being equal (from a medical perspective), what is the typical difference in the annual premium based on the policy holder's age - in other words, how much different is the annual premium for a specific policy for those age 40 vs. age 41; age 45 vs. age 46, and age 50 vs. age 51? Does the pr...
by an_asker
Wed Aug 06, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance
Replies: 12
Views: 986

Re: O Canada! Questions about traveling to Canada :-)

From Tobermory, you can also take a boat ride to the Flowerpot Island. When the boat is operating, which is generally during the summer months. But as an_asker discovered even then sometimes the boat can't run due to inclement weather. This past winter for the first time in many years the water in ...
by an_asker
Wed Aug 06, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 3649

Eating while travelling [Food Budget]

What kind of budget do Bogleheads maintain (or not) while travelling? I noticed earlier today that when someone posted about a $1000 grocery budget for the month, folks were astonished. By the same token, would you be surprised if a four-person (father, mother and two kids) family spends an average ...
by an_asker
Tue Aug 05, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Eating while travelling [Food Budget]
Replies: 26
Views: 2058

Re: O Canada! Questions about traveling to Canada :-)

Without much ado, we proceeded onto QEW (I was quaking in my boots - NOT! - of inadvertently turning onto the dreaded 407). At that point, the heavens opened up. I have never seen thunder and lightning in those proportions in Central Florida, I kid you not! Folks were driving 45 mph on QEW and I di...
by an_asker
Tue Aug 05, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 3649

Re: O Canada! Questions about traveling to Canada :-)

Back from a fun trip and would love to share our experience. We flew MCO-PHL-MCO and rented a car there. As explained in another thread, that rental cost us $416 for eight days, by far the most I've rented a car for, for that short a timeframe. Drove to relative's place in NJ and stayed there the ne...
by an_asker
Tue Aug 05, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 3649

Re: Creating a not for profit - itemized deductions question

Vanguard and Fidelity have plans for you. There is no need for DIY. I am pretty sure you get the deduction for the year you contribute, not the year the funds are dispersed. http://www.bogleheads.org/wiki/Donor_advised_fund Nice - I was unaware of this concept! So, once I move the money to this acc...
by an_asker
Tue Aug 05, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Creating a not for profit - itemized deductions question
Replies: 4
Views: 220

Creating a not for profit - itemized deductions question

As the norm, our itemized expenses do not exceed the standard deduction, so we pay our property taxes every other year so that we can itemize every other year (like many others do). I am assuming that a time will come in the future when even that won't work. So I was theorizing ... Could I create a ...
by an_asker
Tue Aug 05, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Creating a not for profit - itemized deductions question
Replies: 4
Views: 220

Re: Should i Buy a new car

[...]We have 2 cars both fully paid- My wife drives a Audi SUV bought 2 years ago and i drive a Camry that i bought 7 1/2 years ago. It runs fine, gets me from point A to B without any problems. I have been hesitant to spend any money at this time on any major expense and focusing on retirement inv...
by an_asker
Tue Aug 05, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 3938

Re: Renting a car - what could I have done better?

user5027 wrote:If I only needed the car to get to downtown I would have taken a taxi for $28.50 plus tip ....

http://www.phl.org/passengerinfo/transp ... /taxi.aspx

Not even close!
by an_asker
Mon Aug 04, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting a car - what could I have done better?
Replies: 12
Views: 1104

Renting a car - what could I have done better?

I recently rented a Nissan Sentra car - I believe it is referred to as a mid-size nowadays - from Hertz (through Priceline) for a week for (gasp) $416 for eight days at the Philadelphia Airport. Previously, I would make a reservation through Alamo, Enterprise, Avis or some such a month or two in adv...
by an_asker
Mon Aug 04, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting a car - what could I have done better?
Replies: 12
Views: 1104

Re: Term Life Insurance

It really depends on what tests are involved and the results. The agent really shouldn't know what the results might be. Ask the company for the lab results immediately. If your agent is an independent agent he can guide you to other companies that view the results differently. Or, take the results...
by an_asker
Mon Aug 04, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance
Replies: 12
Views: 986

Re: Term Life Insurance

I'm also in the process of doing the medical tests for term life. From what I recall, there was some question in the interview process that when something like "In the past three years have you had any medical tests indicating high blood pressure, high cholesterol, etc." OK, I am way afte...
by an_asker
Mon Aug 04, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance
Replies: 12
Views: 986

Term Life Insurance

I recently got medical tests performed for term life insurance. Though I am yet to see the results, the agent has indicated that there were a couple of issues that came up during the blood test. Do these tests stay on one's records for a long time? Is there any way to dispute these results? Whether ...
by an_asker
Mon Aug 04, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance
Replies: 12
Views: 986

Re: Mortgage Prepayment Question

[...]jimb That was very verbose, but I am still not sure who is saying what. I know what my bank does, and it was not what I thought it did. To reiterate: Let's say my balance on 6/15 is $100k. If I make a payment against the principal on 6/29 that lowers my principal to $90k, the interest that is ...
by an_asker
Fri Jul 25, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 43
Views: 3170
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