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Re: New 2% cash back Mastercard from Citi

So I called Citi to convert my Dividend Platinum card that I never use to the new Double Cash card. "Oh the product is too new,and our systems are not updated. Sorry, I cannot convert it now. Call us in a few months." Really?
by kd2008
Fri Aug 29, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 84
Views: 8395

Re: Help with Salary Negotiation (Bay Area)

Tread carefully. Here is real life example: I was asked the same question. I had my research done. I showed them a posting of similar job on internet in a different geographical area. I also showed the difference in average salaries for my profession (as given by dept of labor data) in my city and a...
by kd2008
Fri Aug 15, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Salary Negotiation (Bay Area)
Replies: 13
Views: 1255

Re: Very high interest rate in other countries? How come?

To OP, There is no free lunch here. The Indian rupee swung from about 60 to 67 against USD dollar last August. People of Indian origin in the US went crazy and converted their dollars into rupees and earned 9% interest rate. Now that rupee is back to 60, they made out like bandits. Indian government...
by kd2008
Thu Jul 17, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: Very high interest rate in other countries? How come?
Replies: 44
Views: 3289

Re: What after-tax income could you live on today?

Could the OP please clarify, is this per person or per household (which could include any number of people greater than or equal to one)? Thanks!
by kd2008
Fri Jul 11, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5139

Re: Two month car rental

I do not see any reason to rent car if you already own a recent model - I know this is not the question OP is asking.

2200 mile road trip to Colorado on a 2011 Camry the day after it was bought
4000 mile road trip to Yellowstone & Tetons last month in a 2012 Mazda 6

The cars did fine.
by kd2008
Wed Jul 02, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Two month car rental
Replies: 28
Views: 1957

Re: Int'l wire: Service providers? How fast?

Do you have a Vanguard account? For transfers over $5000, Vanguard offers international wire transfer for free. Only the transferring bank charges about 8 bucks. The initial setup is cumbersome. You need to get the right form - Vanguard reps are not knowledgeable about it at all - make sure it is no...
by kd2008
Tue May 13, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Int'l wire: Service providers? How fast?
Replies: 16
Views: 975

Re: Ordering new blank checks

google checks unlimited coupons and figure out from there.
by kd2008
Mon May 05, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Ordering new blank checks
Replies: 36
Views: 1925

Re: Net Worth Survey, 2014 Edition

I haven't taken the survey yet but looking at the results I'd really love to know how so many 28-30 yr olds have $300-700k portfolios. Excluding lottery, gameshow, etc. winners it doesn't seem reasonable to accumulate that much so soon out of college. Am I missing something? Is it more normal than ...
by kd2008
Wed Apr 16, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 22131

Re: Mr. Money Mustache: Hero or Foolish?

For me money is primarily a moral problem. Money is fungible. Choices to be made using money/human capital/bartering etc to obtain material well being may pose moral problem. Money does not care if you think money is not your master. This appropriation of subordinate/dominant dynamic to money bring...
by kd2008
Tue Apr 08, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 34774

Re: TMobile $30 plan...

That Tmobile $30 plan is for data users. It has 5GB data at 4G speeds and 100 min per month. You may want to check into H2O Wireless. https://www.h2owirelessnow.com/mainControl.php?page=planMon30 $30 per month gets you: Unlimited Talk Available nationwide, including U.S. Territories Unlimited Text A...
by kd2008
Fri Apr 04, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 52
Views: 12140

Re: is there a subsidy cliff for the ACA?

Best websites: http://graphics.wsj.com/health-care-explorer http://kff.org/interactive/subsidy-calculator/ How health subsidies are calculated? Best graphic http://graphics.wsj.com/health-care-explorer/assets/guide-a.jpg How the healthcare law further reduces costs? Best graphic http://graphics.wsj....
by kd2008
Thu Apr 03, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: is there a subsidy cliff for the ACA?
Replies: 13
Views: 876

Re: Blog: Vanguard Personal Advisor Services

Consider a 60/40 Portfolio like below: 40% Vanguard Total Stock Market Adm 0.05% ER 20% Vanguard Total International Stock Market Adm 0.14% ER 40% Vanguard Total Bond Market Adm 0.08% ER Would have a weighted ER of 0.08% Add 0.3% for Portfolio Management service - you get all this - a plan, plus &qu...
by kd2008
Tue Apr 01, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Vanguard Personal Advisor Services
Replies: 35
Views: 8123

Re: Asset Allocation - near retirement

State of Oklahoma income tax rate is 5.25%, not 8%. Also Oklahoma exempts IRA & 401k withdrawals up to $10K per person per year from state income tax.
by kd2008
Fri Mar 28, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - near retirement
Replies: 40
Views: 4093

Re: Would you push for Total Bond market fund?

Thank you all for your perspective. I really helped me. Request put on hold for now.
by kd2008
Fri Mar 28, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you push for Total Bond market fund?
Replies: 13
Views: 1047

Re: Would you push for Total Bond market fund?

SAM, Currently there are 6 bond funds - covering short-term, intermediate govt, intermediate corporate, treasury, inflation-adjusted, and the one I mentioned - a total bond market type JP Morgan fund.
by kd2008
Thu Mar 27, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you push for Total Bond market fund?
Replies: 13
Views: 1047

Would you push for Total Bond market fund?

I have labored quite a bit on my company's 401k committee for past few years. Finally, there is plan to include the following Vanguard funds: Vanguard S&P 500 Index Fund Signal (0.05% ER) Vanguard Total Intl Stock Index Fund Signal (0.14% ER) Vanguard Small Cap Index Signal (0.10% ER) Vanguard M...
by kd2008
Thu Mar 27, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you push for Total Bond market fund?
Replies: 13
Views: 1047

Re: Retirement Savings Growth exceeds Annual Retirement Expe

My retirement savings + investment growth has exceeded my anticipated annual expenses in retirement every single year I have been working so far. It still don't mean anything. I guess your questions makes asset size irrelevant for discussion purposes. So I don't understand why you mention the asset ...
by kd2008
Thu Mar 13, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3050

Re: Job Offer Negotiation / Interview Snafu

If you already have a job, it is best to stand your ground on the price you quoted. Otherwise you may create a doubt about character/story - unless you tell folks I am miserable and I want to get out. I think it is ok to negotiate a sign on bonus in lieu of a bit of salary. It sweetens the deals for...
by kd2008
Wed Mar 12, 2014 7:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 177
Views: 31115

Re: Can I retire yet?

Thank you for your thoughts, but you do seem a little punitive!!!. I am surprised you don't think the value of the house is an important factor in evaluating the financial significance of the mortgage as well as the alternative allocations of the real estate value that I could make. A million dolla...
by kd2008
Sat Mar 08, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire yet?
Replies: 85
Views: 6661

Re: Can I retire yet?

Sinbad, Your original post is still confusing and full of details that distract from the question of whether you can retire. Details of mortgage, house value, etc are irrelevant. List things like this: Income: His SS: $30k/yr Her SS: $26k/yr Pension: $55k/yr Total: $111k/yr Expenses: $180k/yr + taxe...
by kd2008
Sat Mar 08, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire yet?
Replies: 85
Views: 6661

Re: Try for a shortcut to promotion, or not worth the risk?

Trying to go to your current boss implies you are being serious. Given that the position you would like is not even an opening yet, I wouldn't approach the immediate boss just yet. Figure out who was the boss of the person who left recently. Try to gauge their bearing of the situation - are they fee...
by kd2008
Mon Feb 10, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Try for a shortcut to promotion, or not worth the risk?
Replies: 15
Views: 1649

Re: What was your 2013 return?

Stocks/Bonds 80/20
US/Intl 67/33

Total Portfolio XIRR = 21.13%
Stocks only = 27.65%
Bonds only = -2.55%

Not bad!
by kd2008
Thu Jan 02, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9347

Re: Portfolio review please!

bump!
by kd2008
Tue Dec 17, 2013 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please!
Replies: 3
Views: 424

Portfolio review please!

Thank you all for your great advice in the past that has enabled me to get a solid start. Emergency funds = 6 months worth of expenses not included in asset allocation below Debt: Mortgage paid off. Car: 9.5K@ 0% for 32 mon.remaining Tax Filing Status: Single Tax Rate: Federal-25% (without 401k, 28%...
by kd2008
Tue Dec 17, 2013 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please!
Replies: 3
Views: 424

Re: Postdoc Position- Worth it for Career as Engineer?

It all depends on what are you looking for "now." I was fed up with the academic environment at the end of my PhD. I rejected a postdoc at MIT and took a full time job. I learned a lot about life in the five years being in the real world so to speak. I am glad I looked away from the academ...
by kd2008
Tue Dec 10, 2013 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Postdoc Position- Worth it for Career as Engineer?
Replies: 23
Views: 2477

401k plan trustee using bad average fees metric

Hello Bogleheads, The 401k plan trustee for my employer is using the following metric to describe our plan as above average. The average totaled bundled expense ratio is 1.03%. It is below average for plans of our size. This is from http://www.shrm.org/hrdisciplines/benefits/articles/pages/401k-fees...
by kd2008
Mon Dec 02, 2013 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k plan trustee using bad average fees metric
Replies: 2
Views: 267

Re: Tax Calculator-Really good online site

It does not seem to calculate exemptions correctly for me. It shows $0.
by kd2008
Wed Nov 27, 2013 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Calculator-Really good online site
Replies: 13
Views: 1253

Re: Can I afford this place?

I would like to thank you all for your feedback. JT, you comments did make me take a hard look at my cash flow - including running the taxcaster. Thank you for your critique. Like I said, the house is in a premier neighborhood - walking distance from shopping, restaurants, parks, trails, museums. Ad...
by kd2008
Fri Nov 01, 2013 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this place?
Replies: 24
Views: 1630

FSA gains $500 rollover feature

FSA gains rollover feature http://www.nytimes.com/2013/11/01/business/rollovers-for-flexible-spending-accounts.html?ref=business Workers taking advantage of special tax-free accounts to pay out-of-pocket medical expenses could soon be allowed to carry over up to $500 from one year to the next. For n...
by kd2008
Thu Oct 31, 2013 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA gains $500 rollover feature
Replies: 30
Views: 2309

Re: Can I afford this place?

Would it make sense to sell the condo and use the proceeding as additional down payment? Yup I can do that. It is just that I may feel a bit overwhelmed handling the condo on the market and purchasing a home at the same time. Plus the rent collected would be a much better payoff if I could get $9K ...
by kd2008
Thu Oct 31, 2013 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this place?
Replies: 24
Views: 1630

Re: Can I afford this place?

No way. Not on $61k take home. If you need an ARM, that's a pretty good indication right there. JT I can understand that if I were looking that in isolation. But I do have a paid off condo which could generate rent, and I may have my partner paying etc. Plus I am in my early thirties so plenty of r...
by kd2008
Thu Oct 31, 2013 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this place?
Replies: 24
Views: 1630

Re: Can I afford this place?

How come you're getting $3-5k rent (assuming year) from your fully paid off condo? Seems a bit low. If $600/month rent is the norm in your city, than a $440k house is very expensive. $3-$5K is the net amount after taxes, insurance, condo fees and rainy day fund Rent collected would be around $9K.
by kd2008
Thu Oct 31, 2013 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this place?
Replies: 24
Views: 1630

Can I afford this place?

I found a great place in a premier neighborhood of my city. It is a split-level stone from 1928 with immaculately maintained details. Of the past 4 owners, 3 were generations of the same family. It is $439K. I have been approved for a PenFed 5/5 ARM @ 2.75% w/ 20% down. Taxes and insurance run about...
by kd2008
Thu Oct 31, 2013 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this place?
Replies: 24
Views: 1630

Re: What's wrong with debt?

Good debts enable you to avail resources that are not freely available & for which you do not have enough cash on hand. For example, education that helps you get a better paying job, a house that provides safety and comfort etc. Bad debt is usually tied with depreciating assets or consumptive se...
by kd2008
Wed Oct 23, 2013 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with debt?
Replies: 58
Views: 3691

Re: To bond or not to bond?

Here is my summary of the question to bond or not to bond? [Social Security] Our financial lives rely on assets and income streams. While we are working, we easily compartmentalize them: income enables us to live and to accumulate the assets; in the meantime the assets just keep accumulating. But i...
by kd2008
Sun Oct 20, 2013 8:58 am
 
Forum: Investing - Theory, News & General
Topic: Social Security as a Bond [Bogleheads Panel]
Replies: 96
Views: 6083

Re: Vanguard Sweep account question

I talked on the phone with Vanguard. No waiting. Great!

Since the funds are coming from outside there will be a 7 day hold.

If I had exchanged money between funds I already had at Vanguard, there would be no hold.
by kd2008
Mon Oct 07, 2013 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Sweep account question
Replies: 4
Views: 753

Vanguard Sweep account question

My Vanguard Sweep account - Prime Money Market has a zero balance. I just added some amount of money to this account via Vanguard's website from my bank account. I wish to use this money to purchase funds etc. in near future. Would there be a hold on these funds? If so, for how many days?

Thanks!
by kd2008
Mon Oct 07, 2013 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Sweep account question
Replies: 4
Views: 753

Re: Portfolio Review - Placement of Bond funds

Yes, I agree the difference is small. There was some talk about closing Vanguard Intermediate Tax Exempt fund. I don't if it was just for advisors/brokers or individual investors were affected by it.
by kd2008
Thu Aug 22, 2013 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Placement of Bond funds
Replies: 3
Views: 462

Portfolio Review - Placement of Bond funds

Thank you all for your great advice in the past that has enabled me to get a solid start. I would like to know what my options are for Bond funds placement. Emergency funds = 6 months worth of expenses not included in asset allocation below Debt: Mortgage paid off. Car: 10.7K@ 0% for 36 mon.remainin...
by kd2008
Wed Aug 21, 2013 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Placement of Bond funds
Replies: 3
Views: 462

Re: investing for higher interest

Pankaj, Do not convert USD to INR. Those 10% NRE interest rates are deceptive. You will owe US taxes on that interest (NO taxes in India) after inflation and currency risk, that rate is a total wash or even a bad investment. It would be more sound to invest in FCNR (B) Fixed deposits. There is no cu...
by kd2008
Mon Aug 19, 2013 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing for higher interest
Replies: 9
Views: 1369

Re: Maxing out a 403b and SS calculation consideration

You can continue to contribute to 403b as before. It will not affect her Social Security.

Social Security deduction is first applied to the gross paycheck minus health care/FSA premiums if any and then 403b deductions are done. So she is contributing to her Social Security.

No worries.
by kd2008
Wed Jul 10, 2013 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Maxing out a 403b and SS calculation consideration
Replies: 2
Views: 227

Re: IRA for H1B holders ?

First question to answer is how do you file your taxes? Do you file as a nonresident alien? as in form 1040NR? If so, opening an IRA will be cumbersome. If not and you file your taxes as a US resident (as in form 1040) and pass the substantial presence test etc, then opening an IRA is easy. Of cours...
by kd2008
Mon Jul 08, 2013 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA for H1B holders ?
Replies: 25
Views: 3895

Re: Asking for a (potentially significant) raise

OP, you may want to look at this thread: viewtopic.php?f=2&t=108596

It may not apply to your situation exactly. I few things that helped me were patience, documentation, and politeness. Of course, a prerequisite is that you leave the competition in dust.
by kd2008
Mon Jul 01, 2013 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Asking for a (potentially significant) raise
Replies: 66
Views: 4930

Re: Planning impact on court reversal of doma

http://www.nytimes.com/2013/06/27/your- ... ml?hp&_r=0 provides some more info on the question asked by OP.
by kd2008
Wed Jun 26, 2013 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning impact on court reversal of doma
Replies: 102
Views: 7561

Re: Change in office environment

LOL! You are funny livesoft! I like to think that I am playing kids building blocks. So one block at a time. Just starting to build a foundation. I need to learn a few new skills first for the next level. Lets see what happens.
by kd2008
Sat Jun 15, 2013 1:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Change in office environment
Replies: 29
Views: 4694

Re: Change in office environment

That was quick. Pay bump of 18%. Thank you all for your help. Much appreciated.

Key was building dialogue and documenting effort and results both.
by kd2008
Fri Jun 14, 2013 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Change in office environment
Replies: 29
Views: 4694

Re: Change in office environment

I have another update. So I talked with the boss today. His verdict - yes, you did well, you deserve a raise, give me a month to work it out. Worst case it will be Jan. I feel like my perseverance paid off. I no longer have to convince him that I deserve one. I still have to follow up to make it hap...
by kd2008
Wed Jun 12, 2013 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Change in office environment
Replies: 29
Views: 4694

Re: Change in office environment

Hi all, Another update on this front. The big boss from HQ is finally coming to visit my office later this week - to announce the new director I suppose. I requested time for special one on one with the big boss and have been granted my wish. People who have big boss's ear have informed me that he i...
by kd2008
Mon Jun 10, 2013 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Change in office environment
Replies: 29
Views: 4694

Re: "As is" clause in real estate

I bought my condo "As is." I even wrote my own real estate contract. But then I rented that condo for a year before I bought it. Make sure you read the disclosure for the unit. If nothing seems out of the ordinary, then you have cleared the first hurdle. Next up, I hope there is no earnest...
by kd2008
Thu May 30, 2013 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: "As is" clause in real estate
Replies: 41
Views: 1962
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