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Re: Gas station etiquette

I routinely make the same maneuver. If someone were waiting I'd probably roll my window down and ask them if they were going to use that space or just point and shrug. If someone had been in front of him and taking longer he would have had to pull into the center anyway. I doubt he had any real con...
by an_asker
Thu Aug 28, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2820

Re: Compute Mathematical Best/Fastest Way to Pay off Car Loa

Southern, all the auto loans I've had worked the same way... extra payments get applied to future payments. You're over thinking this though, IMO. Even with a 6.2% rate you don't have much interest to pay on a $13k balance. Any mathematical best way to pay it off is likely to make little difference...
by an_asker
Thu Aug 28, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Compute Mathematical Best/Fastest Way to Pay off Car Loan?!
Replies: 16
Views: 1004

Re: Hit a financial milestone at an age milestone

MikeWillRetire wrote:Maybe he is bragging. Driving over the border into Canada for a camping weekend could be viewed as "international travel", and his "two kids" may actually be billygoats. :happy

Didn't he imply that he is a Boglehead? Bogleheads don't brag, do they? :oops:
by an_asker
Wed Aug 27, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 4864

Re: Anybody heard of/used Zinc Save?

Now I am worried. Is fatwallet something similar? Over there as well, if you log in, you get discounts when making purchases ...
by an_asker
Wed Aug 27, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Anybody heard of/used Zinc Save?
Replies: 10
Views: 915

Re: .com rather than .gov, lesson learned

I don't understand what your fear is - didn't you apply for .gov at the same location as well? If so, don't they already have all your information? I'm not sure I understand the question. Wasn't OP requesting an Employer Identification Number, the commercial world's equivalent of a Social Security ...
by an_asker
Wed Aug 27, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: .com rather than .gov, lesson learned
Replies: 18
Views: 2444

Re: .com rather than .gov, lesson learned

I don't understand what your fear is - didn't you apply for .gov at the same location as well? If so, don't they already have all your information?
by an_asker
Wed Aug 27, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: .com rather than .gov, lesson learned
Replies: 18
Views: 2444

401(k) poll - lawyer/oil and gas worker/airline employee?

Per this article , your 401(k) would be right up there. In the title, I was unable to fit all professions that were listed in the article, but they - plus a couple more - are all included in the poll. Please note that corporate IT should not count as being in the "Tech Industry" (unless yo...
by an_asker
Wed Aug 27, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) poll - lawyer/oil and gas worker/airline employee?
Replies: 29
Views: 1725

Re: How I beat Indexing... in 1 hour

1) Dedicate <5% of your portfolio to "play money" - In my case it was $5000 2) Open up a brokerage account with $0 trades - Merrill Edge for BofA customers 3) Scour Top 10 holdings in Vanguard/Fidelity Mid- and Small-Caps 4) Do your research! Pick companies with: - Consistent quarterly >7...
by an_asker
Tue Aug 26, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 53
Views: 7036

Re: Telling my friends I paid off my houses was a mistake.

Folks, the OP has used the plural of "house", so the OP has more than one house that has been paid off. Let's give him the benefit of the doubt and say it's 8 houses that they have paid off. I think the OP should take more trips, go to Paris (multiple times), and start redecorating. Final...
by an_asker
Mon Aug 25, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10125

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: 88
Views: 5620

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: 88
Views: 5620

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: 46
Views: 3752

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: 46
Views: 3752

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: 344

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: 344

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: 10396

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: 3282

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: 3282

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: 2646

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: 3071

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: 10396

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: 1912

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: 3071

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: 3071

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: 11083

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: 3361

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: 1454

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: 1454

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: 1454

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: 4494

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: 3361

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: 3361

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: 3361

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: 9107

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: 9107

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: 6597

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: 6597

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: 9107

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: 4737

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: 4737

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: 11083

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: 703

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: 703

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: 703

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: 703

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: 995

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: 3667

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: 2086

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: 3667

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: 3667
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