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Re: USC vs. Columbia

Are you planning to become a teacher or an administrator? At what level?
by gatorking
Mon May 19, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1083

Re: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix

Instead of staying in Tusayan, I recommend driving to Flagstaff and staying there. If you choose to do this, you might want to stop in at Mother Road Brewing Co. http://www.motherroadbeer.com/?=verify
by gatorking
Mon Apr 07, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix
Replies: 26
Views: 1327

Re: Laid off today... TODO list?

1. Activate family health plan on my wife's side (she works, but we were using my plan so far) You might have to wait until their open enrollment period. Between now and then you may have to take COBRA. This should count as a change in status, so you should be able to enroll in your wife's plan.
by gatorking
Wed Apr 02, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 11954

Re: Accept Job Offer from Company that Filed for Bankruptcy?

I say go for it. For some reason, I'm reminded of this episode of Star Trek: http://en.wikipedia.org/wiki/Tapestry_% ... eration%29
by gatorking
Wed Apr 02, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Accept Job Offer from Company that Filed for Bankruptcy?
Replies: 29
Views: 2538

Re: GPS with "favor interstates" option?

Try using the Waze app on a smartphone.
by gatorking
Wed Apr 02, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1553

Re: Two cent check from Vanguard

Use it to give people advice. :D
by gatorking
Tue Mar 18, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Two cent check from Vanguard
Replies: 27
Views: 1992

Re: Genetic Testing

From 23andMe: At this time, we have suspended our health-related genetic tests to comply with the U.S. Food and Drug Administration’s directive to discontinue new consumer access during our regulatory review process. In the future, you may be able to receive health-related results, dependent upon FD...
by gatorking
Mon Mar 17, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Genetic Testing
Replies: 10
Views: 1184

Re: Vested RSU's - I didn't sell them, now what

Ask yourself - if I had $XXXX in cash would I use it to buy my company stock? If the answer is No, sell the stock.
by gatorking
Sat Mar 15, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vested RSU's - I didn't sell them, now what
Replies: 16
Views: 1189

Re: Alternatives to paying full real estate commissions?

I've heard good things about Redfin.
by gatorking
Tue Mar 11, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alternatives to paying full real estate commissions?
Replies: 31
Views: 2729

Re: Yet another 4% article

https://www.jpmorganfunds.com/blobcontent/4/185/1323375351903_ES-DYNAMIC.pdf Link to jpmorgan's summary of their model. Of particular interest is page 5. If I'm reading it correctly, they recommended a bond allocation of only 14% for a hypothetical couple age 60 with an income stream of $50,000/yr ...
by gatorking
Tue Mar 04, 2014 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: Yet another 4% article
Replies: 12
Views: 1439

Re: Yet another 4% article

https://www.jpmorganfunds.com/blobcontent/4/185/1323375351903_ES-DYNAMIC.pdf Link to jpmorgan's summary of their model. Of particular interest is page 5. If I'm reading it correctly, they recommended a bond allocation of only 14% for a hypothetical couple age 60 with an income stream of $50,000/yr ...
by gatorking
Tue Mar 04, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Yet another 4% article
Replies: 12
Views: 1439

Yet another 4% article

From Marketwatch: Now, J.P. Morgan is entering the fray with an alternative to the 4% rule of its own. ... The bank’s “Dynamic Withdrawal Strategy” adjusts both withdrawal rates and a portfolio’s investment allocations annually, in response to changes in both the markets and a retiree’s personal cir...
by gatorking
Tue Mar 04, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Yet another 4% article
Replies: 12
Views: 1439

Re: How much is a fair hourly fee?

Rick, By throwing out a number you have caused "anchoring", so I suggest that your responses are biased by this. http://en.wikipedia.org/wiki/Anchoring "In another study by Tversky and Kahneman, participants observed a roulette wheel that was predetermined to stop on either 10 or 65. ...
by gatorking
Mon Mar 03, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 5093

Re: apple 4 or 5

- Apple works very hard on "planned obsolescence". Go with the latest version.
- A friend of mine upgrades his iPhone every 2 years. He has always made money on the cost of the phone by selling the unlocked 2 yr old phone for more than he paid for it.
by gatorking
Sat Feb 08, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: apple 4 or 5
Replies: 17
Views: 1202

Re: Any less expensive sources for Lipitor?

Ask your doctor why Lipitor. Can't Lovastatin do the job (on the $4 menu at Walmart)?
by gatorking
Fri Feb 07, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 3388

Exercising stock options and wash sales

I received my Fidelity tax form today and was surprised to see losses disallowed due to wash sales. The situation is as follows On 12/2 exercised options cost basis $4000 and sale price $3975 for loss of $25 which by the way is the commission. The exercise and sell price are identical. On 12/13 exer...
by gatorking
Thu Feb 06, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Exercising stock options and wash sales
Replies: 1
Views: 285

Re: Amazon Prime Auto Renewal

Change your payment method to a credit card that will expire before your Prime membership ends. Or call the credit card company and say you lost it, they will send you a card with a new number.
by gatorking
Wed Feb 05, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Auto Renewal
Replies: 7
Views: 2208

Re: Winter coats:

One detail that I consider important is the quality of the zipper- how easy is it to zip up with gloves on; does it tend to get caught in the fabric around it; does it open from the bottom (for long parkas, coats). The better the zipper, the more faith I have in the overall quality of the jacket/coa...
by gatorking
Wed Feb 05, 2014 9:14 am
 
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 4176

Re: 22 multiple rule

The obvious first answer is that it all depends on your annual expenses. But since most people have no clue what they spend each year (they likely would underestimate their annual budget), it's easier for the press to deal in multiples of annual salary, because nearly everyone knows what their annu...
by gatorking
Sun Feb 02, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: 22 multiple rule
Replies: 42
Views: 4418

Re: Joined the "Two Comma Club" Today

LFKB wrote: ... today I joined the two comma club today when my year end bonus hit my account.

LFKB wrote: Thanks. We're about 10% over now ...

That's one heck of a bonus!!
by gatorking
Fri Jan 31, 2014 8:34 pm
 
Forum: Investing - Theory, News & General
Topic: Joined the "Two Comma Club" Today
Replies: 47
Views: 4610

Re: Best Comfort and Best Workout Clothes

Andyrunner wrote:Glad to hear I'm not the only serious runner sporting the target brand clothes!

Its a treat for me to go buy an expensive running top/bottom.


Are these labeled "C9 by Champion"?
by gatorking
Mon Jan 20, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Best Comfort and Best Workout Clothes
Replies: 28
Views: 3362

Re: Stressless Recliners

Search for "zero gravity chairs".
Look for a "relax the back" store.
by gatorking
Thu Dec 26, 2013 11:00 am
 
Forum: Personal Consumer Issues
Topic: Stressless Recliners
Replies: 22
Views: 3085

Re: What Book Are You Currently Reading? Part V

Mastermind: How to Think Like Sherlock Holmes - Maria Konnikova
Link to a review:
http://www.brainpickings.org/index.php/ ... -konnikova

Highly recommended.
by gatorking
Thu Dec 19, 2013 9:20 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3098
Views: 995136

Re: Buying snow tires

When I lived in an area where I used snow tires I always got an extra set of the metal tire rims so that they could be easily and inexpensively changed each spring and fall. You should also plan on how you will move and store the four tires that are not on the car at any given time. If you have a c...
by gatorking
Sun Dec 15, 2013 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Buying snow tires
Replies: 55
Views: 3486

Re: Buying snow tires

I got a set of Blizzaks mounted on rims from Tire rack this year. I also chose to skip the tire pressure sensors. Had them delivered to my door and installed them myself. A breaker bar and a hydraulic floor jack make the job easier.
by gatorking
Sun Dec 15, 2013 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Buying snow tires
Replies: 55
Views: 3486

Re: dependent care and new job

No. At least not with my wife's dca - they are super strict about the dates. Would be worth contacting your hr department or the company that manages the dca directly though just incase it's different. Thanks for the reply. Is this an IRS rule? I could not find anything on the IRS website describin...
by gatorking
Mon Dec 09, 2013 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: dependent care and new job
Replies: 4
Views: 276

dependent care and new job

I started a new job on Nov 1st. Can contributions to dependent care FSA during Nov and Dec be used to pay for dependent care expenses incurred during the summer?
Thanks.
by gatorking
Mon Dec 09, 2013 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: dependent care and new job
Replies: 4
Views: 276

Re: Wine for daily consumption?

Corbett Canyon, Bota or Big House - all in a box.
by gatorking
Tue Dec 03, 2013 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5470

Re: Medical bills -- getting the discount without insurance

The reason you see so many differences in billing for the same thing by different providers is that is is also ILLEGAL to negotiate payment with an insurer by asking the guy down the street what he gets paid. That is collusion. Collusion has such evil undertones. HR people prefer to use "bench...
by gatorking
Mon Nov 25, 2013 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Medical bills -- getting the discount without insurance
Replies: 19
Views: 1482

Re: Promotion but will no longer receive equity - Need Opini

Moving into higher ranks usually means replacement of RSUs by Stock Options. Are you sure you are getting neither?
by gatorking
Sun Nov 24, 2013 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Promotion but will no longer receive equity - Need Opinions
Replies: 9
Views: 888

Re: google does math

sscritic wrote:You didn't limit the number of rocks per kid. Let the rocks pick the kids, not the other way around.


Good point!!
by gatorking
Fri Nov 22, 2013 12:37 pm
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4056

Re: google does math

I think the correct answer is 24.
You can pick 3 rocks out of 4 in 4 ways.
You can distribute 3 rocks among 3 girls in 6 different ways.
Answer = 4x6 = 24.
by gatorking
Fri Nov 22, 2013 12:23 pm
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 4056

Re: Engineering Career Path [moving within company]

What do you plan to do after you get your degree? That might have an effect on the responses.
by gatorking
Wed Nov 13, 2013 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Engineering Career Path [moving within company]
Replies: 26
Views: 2404

Re: Getting pricing for medical procedures in advance

Updating this thread: http://www.npr.org/blogs/health/2013/11/08/243976776/in-massachusetts-health-care-prices-remain-hard-to-get "In Massachusetts a new state law says insurers must be able to tell members, in advance, how much a test, treatment or surgical procedure will cost." We'll see...
by gatorking
Sat Nov 09, 2013 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Getting pricing for medical procedures in advance
Replies: 66
Views: 5142

Re: Pull-ups and Push-ups

Search for "simplefit" on the forum. Here is one discussion on body weight exercises:
viewtopic.php?t=81630&mrr=1314680957
by gatorking
Sat Nov 02, 2013 11:10 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39418

Re: Men's Leather Belt: Recommendations?

http://www.llbean.com/llb/shop/502855
The LL Bean prices and guarantee should work for you.
by gatorking
Fri Nov 01, 2013 7:44 am
 
Forum: Personal Consumer Issues
Topic: Men's Leather Belt: Recommendations?
Replies: 45
Views: 4916

Re: Any one use Truecar.com?

I used the email method and ended up with a price about $200 less than the Truecar price.
by gatorking
Wed Oct 30, 2013 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Any one use Truecar.com?
Replies: 19
Views: 2415

Re: Drug Price Ripoffs from Medicare Drug Plan

Both COSTCO and Walmart have been mentioned. What about regular drugstores like RiteAid or CVS. Are there price differences with and without insurance at those stores? Yes. Gosh 'n' gollies, ya betcha. I take a fairly cheap generic prescription drug, and CVS's walk-in-without-insurance price for a ...
by gatorking
Tue Oct 29, 2013 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan
Replies: 34
Views: 5091

Re: Donating a Used TV to Charity

Try posting it on Freecycle.
by gatorking
Sat Oct 26, 2013 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Donating a Used TV to Charity
Replies: 44
Views: 2941

Re: 401k contribution vs. salary increase

Are your maxing out your 401k now or expect to in the near future? Right now my 401k gets $20,500/yr in annual contributions - 17.5k from me and 3k match from my employer. If I went somewhere without a match the contributions would max out at $17,500/yr. If I went somewhere without a $3k cap on the...
by gatorking
Wed Oct 16, 2013 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k contribution vs. salary increase
Replies: 8
Views: 696

Re: 401k contribution vs. salary increase

ieee488 wrote:Does your current 401K vest immediately?


Current 401k is completely vested. New employer 401k does not have any matching so vesting is a non-issue.
by gatorking
Tue Oct 15, 2013 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k contribution vs. salary increase
Replies: 8
Views: 696

Re: 401k contribution vs. salary increase

I recently switched from a company that contributed 8% to a company that did not have matching, I made them give me the matching in my salary and 6 months later successfully lobbied them to add 401K matching starting Jan 1. Since they aren't doing matching and your salary adjustment will be taxed I...
by gatorking
Tue Oct 15, 2013 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k contribution vs. salary increase
Replies: 8
Views: 696

401k contribution vs. salary increase

I am considering a job offer from a company that does not have any 401k matching. They are willing to bump up my salary to compensate for the loss of the 5% match I am currently getting. How should I figure out the salary increase so that the two situations would be about even? Assume that the salar...
by gatorking
Tue Oct 15, 2013 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k contribution vs. salary increase
Replies: 8
Views: 696

Re: Calpers Embraces Indexing

I think the key word here is "embrace". Calpers has not stated that it will only use indexing - in their words: Calpers will use index tracking strategies where we lack conviction or demonstrable evidence that we can add value through active management. So, this raises the question: where ...
by gatorking
Thu Oct 03, 2013 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Calpers Embraces Indexing
Replies: 19
Views: 2694

Re: Affordable Care Act: Website Down

I am currently in the massachusettts plan(romneycare). i went to look at massachusetts Obamacare site(it is different) it's making me enroll again but it is not letting me enroll. the massachusettes (romneycare) stie works fine. I think it's the links to the federal governmant that is causing the p...
by gatorking
Tue Oct 01, 2013 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable Care Act: Website Down
Replies: 62
Views: 4155
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