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Re: Can I afford it?

harrychan wrote:You can't afford it but your wife can.

+1.

Also, we cannot tell you whether she will let you use it - you'll need to ask her ;-)
by an_asker
Tue Mar 03, 2015 9:55 am
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 50
Views: 3747

Re: Favorite Vacation/Trip

Hi BHs, Some friends and I are planning a trip this summer and I'm looking for Boglehead ideas! We're all under 30 and would like to keep it under $2500 (or less) for a week long trip (that includes flights, hotel, etc.) Most of us are located up and down the East Coast (mostly in DC). Pretty much ...
by an_asker
Fri Feb 27, 2015 11:48 am
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 38
Views: 3665

Re: Property assessment increase after purchase

Well, I was under the assumption the reset was only bumping the taxable up to the assessed/sev value, not bumping up the assessed value up 15% which will now increase my tax base going forward next year. I think my main issue is just the idea that now I will be paying 15% more (at least) than my ne...
by an_asker
Fri Feb 27, 2015 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Property assessment increase after purchase
Replies: 30
Views: 1669

Re: Nearing 40 and Never Invested

As I said I am brand new to investing but I'm trying to learn as much as possible as quickly as possible and it's my understanding that when you're younger you're supposed to be more agressive with your allocation (more stocks than bonds) so that you can maximize your growth. I will most likely not...
by an_asker
Fri Feb 27, 2015 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Nearing 40 and Never Invested
Replies: 55
Views: 4922

Re: How does one increase their typing speed and accuracy?

sls239 wrote:Yes, there should be little ridges on the "F" and "J" keys. There should also be one on the 5 of a 10 key set-up on the side.[...]

Wow! Nearly three decades of constant use of the keyboard and I never noticed those! :oops:
by an_asker
Fri Feb 27, 2015 11:04 am
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 58
Views: 2252

Re: How does one increase their typing speed and accuracy?

I'm in my 30's and have worked with computers practically my whole life and I'm almost embarrassed to say I am a very mediocre typist. My typing style is kind of a hybrid of touch-typing and hunt and peck. Some words I can type without looking at the keyboard, but from time to time, I need to look ...
by an_asker
Thu Feb 26, 2015 4:18 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 58
Views: 2252

Re: Vanguard Tot Intl and Emerging Markets just got cheaper

hoppy08520 wrote:Avi, you might not have caught this, but the thread you just found and bumped was from a year ago, so that might explain the confusion.

I think he did. He is questioning how the expense ratios could go from 0.16 to 0.14 in 2014 AND 2015!!
by an_asker
Thu Feb 26, 2015 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 56
Views: 6213

Re: Go Ruger go.

bhsince87 wrote:Wow, I hadn't noticed that! I've owned their stock for almost 20 years. They've been very good to me!

Maybe you need to change your handle to bhsince1995 :oops:

:sharebeer
by an_asker
Thu Feb 26, 2015 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Go Ruger go.
Replies: 5
Views: 787

Re: CarsDirect didn't lead to dealers responding with prices

[...]Anyway, I emailed all the dealerships & listed what I wanted. The document showed the MSRP, dealer cost, and dealer hold-back for that vehicle. Then, I waited for the bids to come in. A few were hesitant to send me an offer. But, they all did. With the lowest bid in hand, I called back all...
by an_asker
Wed Feb 25, 2015 3:18 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 63
Views: 4686

Re: Credit Card Rewards (Travel)

Thank you, Drew! I have received an offer of 25,000 Starpoints from SPG as follows: • 10,000 Starpoints after your first purchase on the Card • 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months Is this a good offer, or should I wait for something be...
by an_asker
Wed Feb 25, 2015 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 65
Views: 3911

Re: CarsDirect didn't lead to dealers responding with prices

OP:

This does not help you any but I had made this very point a few months back!
by an_asker
Thu Feb 19, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 63
Views: 4686

Re: Traveling by car - estimating costs

westie wrote:you must drive very fast

No wonder ...
Flying is probably safer.
by an_asker
Wed Feb 18, 2015 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by car - estimating costs
Replies: 28
Views: 1508

Re: Large Age Gap with Spouse/Partner

The sexism in this thread is amazing, except it seems to cut both ways. Point is, men need to have things spelled out, and you need to spell them out. If someone wrote that "women need to have things spelled out, and you need to spell them out," someone would have raised a stink. Why? I s...
by an_asker
Wed Feb 18, 2015 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5159

Re: Large Age Gap with Spouse/Partner

[...]Point is, men need to have things spelled out, and you need to spell them out. If frank conversations about your goals and needs, children, or money freak him out, then that is a giant billowing red flag that you ignore at your own peril. I truly wish you the best. And also, I assure you that ...
by an_asker
Tue Feb 17, 2015 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5159

Re: Niagara Falls!

How do those international ships make it down the St. Laurence seaway to the ports in Chicago, etc, when there are those pesky Falls in the way? The Welland Ship Canal! This goes right near the Falls and is an interesting place to stop and watch the locks (to change the ships' elevation the same he...
by an_asker
Tue Feb 10, 2015 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 974

Re: Amica burned me, now what...

A rep from Amica just called me. I think he was a little nervous, but he was very nice. Their social media monitoring identified this thread (on "Boggleheads" he said :) ). They reviewed the file again. I've written about my perspective. It's only fair I give theirs. Substantively, the un...
by an_asker
Tue Feb 10, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amica burned me, now what...
Replies: 43
Views: 4763

Re: Niagara Falls!

We were there last year July/August timeframe. A couple of things for now - I will likely come back to add more later. - DO NOT try to go across the border (only at Rainbow Bridge?) on a weekend evening. It is a circus. We made that mistake and it took us almost an hour to cross the bridge, and that...
by an_asker
Tue Feb 10, 2015 3:41 pm
 
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 974

Re: How do you balance frugality and life?

Skipped over previous replies. We're not unlike your situation; we earn similar money, spend similarly, and also save a lot. The rest is there to enjoy. You work hard no doubt. Stop reading Mr Mustache and other mega-frugal sites, they are making you miserable. Remove the bookmark. I tried reading ...
by an_asker
Thu Feb 05, 2015 6:53 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you balance frugality and life?
Replies: 50
Views: 5384

Re: Hedging the Swiss Franc - possible?

z3r0c00l wrote:If you can afford it today, just exchange the money today.

What is the best source I could try to tap into to exchange USD for CHF? I know where not to go - AAA! :oops:
by an_asker
Wed Feb 04, 2015 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Hedging the Swiss Franc - possible?
Replies: 7
Views: 477

Re: Approaching 50...What to expect?

TomatoTomahto wrote:"Playing the trombone." :D

I'm 63 yo, and I've never heard that phrase. So true.

Wow! For some reason, I had put you down as someone in his (I hope I am correct on this one) 40s ;-)
by an_asker
Tue Feb 03, 2015 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 10002

Hedging the Swiss Franc - possible?

We are planning a mini-vacation to Switzerland this summer (like I've daydreamed for the last couple of years). The Swiss Franc has been more up-and-down recently than it has been in quite a while (or at least more than the last couple of years I've been closely following it). We would likely be spe...
by an_asker
Tue Feb 03, 2015 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hedging the Swiss Franc - possible?
Replies: 7
Views: 477

Re: Can doctors charge more than co-pay?

wxz76 wrote:T[...] I guess next time I call to make an appointment I will ask for the $25 doctor instead of $40 one.

Or you could ask the $25 service from the $40 doctor. :oops:
by an_asker
Mon Feb 02, 2015 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Can doctors charge more than co-pay?
Replies: 51
Views: 4609

Re: Can doctors charge more than co-pay?

Riprap wrote:
Grasshopper wrote:I always wonder how the people of Wal-Mart figure this stuff out. :confused


I resemble that remark.

At least you didn't recent it!
by an_asker
Mon Feb 02, 2015 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Can doctors charge more than co-pay?
Replies: 51
Views: 4609

Re: HSA not reflected on W2

I did talk to payroll. They told me they do not reflect HSA or flex spending amount on W2. That's a good amount of money pretax ( $6600 total for us both). I'll call my tax accountant. I don't know who else to call. I'll go and check my last year's W2, but companies use a weird way to report HSA II...
by an_asker
Fri Jan 30, 2015 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA not reflected on W2
Replies: 16
Views: 929

Re: Rental Car Prices - is this the new normal ?

What's up with these insane rental car prices! I need to rent a mid-size car for a week (7 days - no extra's) Alamo - $616.55 Thrifty- $684.13 The cost of the rental car is more than our two round trip airfares. It's been a few years since we rented a car, but is this what it costs now? To the vete...
by an_asker
Thu Jan 29, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 7846

Re: What counts as "saving"?

Extra mortgage principal payments - spending and savings. The spent part is the amount that you legally owe under the terms of your loan agreement. The savings component is the amount of total interest NOT paid over the life of the mortgage as a result of advancing principal payments upfront. You r...
by an_asker
Thu Jan 22, 2015 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6887

Re: What counts as "saving"?

Question 4 (Essay Portion): Are your answers to questions 1-3 different? If so, why? I look forward to your answers. Good hypo. My answers to 1 and 2 would be B, but I think my answer to 3 would be A. It comes down to subjective intent, which maybe is your point. Here's a hint: In each of these sce...
by an_asker
Wed Jan 21, 2015 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6887

Re: Why are fruits not cheaper in California?

Don't eat apples eat persimmons. ;-) They are free off the tree and ubiquitous (at least in the Bay Area). In FL, we pay $5 for 5 lbs IIRC when they are even available at SAM's.
by an_asker
Wed Jan 21, 2015 9:02 am
 
Forum: Personal Consumer Issues
Topic: Why are fruits not cheaper in California?
Replies: 28
Views: 1720

Re: What counts as "saving"?

[...] At the beginning of 2014, Tom has $5,000 in Cash and owns a house valued at $120,000 with a $100,000 mortgage (no other assets or debts). His net worth is $25,000 For 2014, Tom had $50,000 in take home pay after taxes (no retirement contributions). He spent $54,000 , which includes his mortga...
by an_asker
Tue Jan 20, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6887

Re: Did the Swiss stock market really lose 9%?

I hear all your answers, and yes, this is a very rare scenario BUT ... If I am an investor ANYWHERE outside of Switzerland, the value of my <Swiss equivalent of VFINX, if something like that exists> went up not down, regardless of what the news says. That was what I was trying to point out. Valueth...
by an_asker
Tue Jan 20, 2015 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: Did the Swiss stock market really lose 9%?
Replies: 15
Views: 2231

Re: Did the Swiss stock market really lose 9%?

I hear all your answers, and yes, this is a very rare scenario BUT ... If I am an investor ANYWHERE outside of Switzerland, the value of my <Swiss equivalent of VFINX, if something like that exists> went up not down, regardless of what the news says. That was what I was trying to point out. Valuethi...
by an_asker
Tue Jan 20, 2015 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Did the Swiss stock market really lose 9%?
Replies: 15
Views: 2231

Did the Swiss stock market really lose 9%?

The headlines said that the day the Swiss Franc was uncoupled from the Euro, the Swiss market tanked by about 9% (let's go with that number even though the actual number stated could be 7% or 10% - I don't remember). But the market really went down only for those who deal in Swiss Francs. Anyone who...
by an_asker
Tue Jan 20, 2015 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Did the Swiss stock market really lose 9%?
Replies: 15
Views: 2231

Re: What counts as "saving"?

It is true that paying down debt does not change your net worth at that moment in time . Assets (cash) and liabilities decrease equally. However, this does not mean the transaction is rightly classified as "spending." Your net worth NEVER changes by purchasing something at it's market val...
by an_asker
Tue Jan 20, 2015 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6887

Re: Best watch for around $5,000?

Your wife had great timing, Petro: Swiss franc ...the Swiss National Bank abandoned the ceiling on 15 January 2015, and the franc promptly increased in value compared with the euro by 30%, although this only lasted for a few minutes before part of the increase was reversed. The move was not announc...
by an_asker
Fri Jan 16, 2015 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 180010

Re: Should I Declare Victory and Pack It In?

Thanks for the kind words. I think any income going forward will be relatively low because I just don't have the drive/guts/heart to do the major cases anymore. I feel more comfortable with office work and minor outpatient cases. Just the honest truth. So $200ish would probably be fair in all since...
by an_asker
Fri Jan 16, 2015 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 16966

Re: Should I Declare Victory and Pack It In?

niceguy7376 wrote:OP,
Are you saying that your retirement accounts are ONLY 2.7 Million while your salary was in mid 6 figures?
If so, are you comfortable to live in the expense range that you talked about? You talked about taxes and insurance of 22k per year but no mention of living expenses. What would they be?

+1!
by an_asker
Fri Jan 16, 2015 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 16966

Re: Swiss franc jumps as SNB abandons ceiling versus euro

Break this down for me here, does this mean that it just became even MORE expensive to visit Switzerland? Isn't the dollar supposed to hit parity with the euro this year? Quick breakdown (not needed if you read the article, I would think) - previously, the Swiss Franc was tied to the Euro (at about...
by an_asker
Thu Jan 15, 2015 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2294

Re: Poll - How much is enough / what's your number?

When I was younger I thought I'd work my butt off and retire at 65 with a pile of money. Once I had my son, I decided I wanted to work no longer than 50 so I can spend all of high school with him without working (perhaps a fools decision as he probably won't want anything to do with me by then ;) )...
by an_asker
Tue Jan 13, 2015 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7810

Login issues with Chrome - Schwab, United, Vanguard ..

Over the weekend, I tried to access my account at Schwab and got kicked out eat time I did so. After this happened three times (I use the token), I panicked and called customer support. They said that they had received calls about issues with Google Chrome. So, I used Firefox and was able to log in ...
by an_asker
Tue Jan 13, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Login issues with Chrome - Schwab, United, Vanguard ..
Replies: 2
Views: 538

Re: Thinking about retirement - it's depressing

I find it strange that through this thread, though you have mentioned "family" and "son" not once have you mentioned "wife". Is she on board with your thoughts?
by an_asker
Fri Jan 09, 2015 10:56 am
 
Forum: Personal Consumer Issues
Topic: Thinking about retirement - it's depressing
Replies: 80
Views: 8593

Re: 0.5% Refi Worthwhile?

The key is how long you plan to hold the property. If you look at the whole life of the loan, any reduction in interest rate will usually show some benefit, unless you're stretching out the term very much. However the bulk of that savings often comes at the end of the loan. So if you don't plan to ...
by an_asker
Wed Jan 07, 2015 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: 0.5% Refi Worthwhile?
Replies: 17
Views: 1040

Re: Should I purchase a new car or wait?

That's good news. Now you also have a local trustworthy mechanic. :-)
by an_asker
Wed Jan 07, 2015 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Should I purchase a new car or wait?
Replies: 38
Views: 4333

Re: 0.5% Refi Worthwhile?

Now that I went and checked out what AimLoan is offering, I share Meg77's skepticism. [I picked AimLoan as they were the lowest I could find when I refinanced a few years back, before I refinanced again with PenFed] That said, I disagree with Meg77 on a couple of other points: - if the refi is truly...
by an_asker
Wed Jan 07, 2015 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: 0.5% Refi Worthwhile?
Replies: 17
Views: 1040

Re: 0.5% Refi Worthwhile?

[...]As for the restarting the loan, I meant it more on how my payments would again consist mostly of interest payments. At least with my current situation, more of the mortgage payments applied to the principal and planned to have the majority of the payments apply towards the principal in several...
by an_asker
Wed Jan 07, 2015 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: 0.5% Refi Worthwhile?
Replies: 17
Views: 1040

Re: 0.5% Refi Worthwhile?

[...]Cons: Restarting loan meaning paying mostly interest again[...] This is incorrect, assuming that your principal would not change. In other words, if your outstanding loan is $230,000 then your new refinanced loan is also $230,000, then you would be paying less interest not more. The only issue...
by an_asker
Wed Jan 07, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: 0.5% Refi Worthwhile?
Replies: 17
Views: 1040

Re: Rental condo depreciation (and other deductions) - quest

coaster831 - there are many people much more knowledgeable on this topic than I on this forum but figured I'd provide you some information to get started: 1. The correct value to calculate the basis when converting a property that previously used for personal use to a rental is to determine the the...
by an_asker
Wed Jan 07, 2015 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental condo depreciation (and other deductions) - questions
Replies: 6
Views: 604

Re: Can we afford to buy a home?

Would a ~$210k home meet your needs as a family? Skip the small "starter" home and go for the long-term. The transnational (and emotional) costs are too high. If a ~$200k house will not meet you needs, keep saving until you can afford one that will. I agree - you are approaching the house...
by an_asker
Wed Jan 07, 2015 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a home?
Replies: 41
Views: 3339

Re: Buying Euros for a France vacation in the summer

I flog myself for not timing our Europe vacation better. Euro was 1.25USD (now 1.19); Swiss Franc was 1.13USD (now 0.98). But I didn't bat an eyelid when the stock market went down three percent and I arguably lost a bundle in my retirement stash. :oops: Oh well ...
by an_asker
Wed Jan 07, 2015 9:24 am
 
Forum: Personal Consumer Issues
Topic: Buying Euros for a France vacation in the summer
Replies: 13
Views: 1735

Re: Misunderstanding around dimensions

[...]I'm not understanding this "per question charge" and fear of communications/clarification. Isn't it easier to deal with any discrepancy before a deliver is made that reveals a huge discrepancy in one's expectation? What's the harm of confirming the order specifications and clarifying...
by an_asker
Wed Jan 07, 2015 9:06 am
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2038

Re: Cancel Homeowner's Insurance?

tphp99 wrote:I'm also in FL
[...]
umbrella requires $300K liability on all properties.[...]

+1!
by an_asker
Tue Jan 06, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6663
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