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Re: Sell or repair car decision

saladdin wrote:[...]So 1kish gets you a paid for vehicle for another 100kmiles.[...]

*speechless at this logic*

- Porcupine
by porcupine
Thu Dec 18, 2014 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Sell or repair car decision
Replies: 18
Views: 1886

Re: Oil change costs--dealer vs other

In a recent thread , a number of posters made me wonder whether I was paying too much for oil changes (which I get done twice a year on my Honda Accord at the dealer, just because that's what my late husband always did.) Even though I don't drive all that much (about 6,000 miles per year), I know t...
by porcupine
Fri Nov 07, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2565

Re: Schwab expands no commission ETFs-no early sell fee

I am not saying these programs are a bad deal. They're not. I am saying that they're not free. The non-Schwab funds in the ETF supermarket program pay to be in the program. If there were no payola , then all ETFs would be in the program. Rick Ferri "payola" implies that what they are doin...
by porcupine
Wed Oct 29, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 3286

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

IT in the Oil and Gas industry, best of both worlds! company matches 100% up to 15% of our pay for 401k, mostly admiral and institutional Vanguard index funds. Bond funds consist of PIMCO real and total funds at .46% ER, so I dont buy bonds through my 401k. What would be the easiest way to get into...
by porcupine
Wed Aug 27, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) poll - lawyer/oil and gas worker/airline employee?
Replies: 29
Views: 1866

Re: Fidelity settles lawsuits over its own 401(k) plan

This should be a message to anyone investing in Fidelity mutual funds. Why should that have anything to do with it? +1. Here is a quote from the article. Last year a group of current and former employeessued the retirement plan provider, alleging that the company's employee plan was dominated by hi...
by porcupine
Sat Aug 23, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity settles lawsuits over its own 401(k) plan
Replies: 5
Views: 569

Re: Getting Married, traveling abroad

[...]If you stay at one of the big American hotel chains you will miss a lot of the reason that you went to Europe.[...] Could you please elaborate on this? How would staying in an American hotel chain defeat the purpose of touring? Also, are these American hotels more expensive or less expensive t...
by porcupine
Fri Aug 15, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Getting Married, traveling abroad
Replies: 25
Views: 1588

Re: Post interleaving

postingname: Looks like your questions have been answered. I just wanted to add my two cents worth. I feel your pain. After nine years of blogging, my blog was shut down by Wordpress without any explanation other than that I had violated their Terms of Service. No amount of pleading was sufficient f...
by porcupine
Sat Aug 09, 2014 10:25 pm
 
Forum: Forum Issues and Administration
Topic: Post interleaving
Replies: 33
Views: 2585

Re: Dumb 3rd grade math question about beach house rental

You have failed to mention if there is a master bedroom, a second best bedroom and a third best bedroom. Auction off the rooms by night! The mater bedroom may end up paying $5,000 for the entire week! What if the auction results in a surplus? Would they all be required to go for vacation #2? ;-) - ...
by porcupine
Wed Jul 23, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 5557

Re: Dumb 3rd grade math question about beach house rental

Calm Man wrote:[...]What am I missing here that it shouldn't just be an even split?

You're missing the third couple. They are turning the even split into an odd one! ;-)

- Porcupine
by porcupine
Wed Jul 23, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 5557

Re: Jacksonville fl, to Villanova pa over 4th

Re-considering trip after reviewing early post. We did not think about the 4th holiday traffic so think a longer route avoiding Richmond- DC- Baltimore may be our best. Any suggestion on picking up I-83 taking it north to around Harrisburg then east to Vilinova pa. Thanks I-95 --> I-26 --> I-77 -->...
by porcupine
Sat Jun 28, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jacksonville fl, to Villanova pa over 4th
Replies: 4
Views: 303

Re: To HSA or not to HSA

[...]Other details that may be helpful: all three pay 90/10 after the deductible, income is ~$50k, my wife will stay home and we have about $15k as an emergency fund in addition to a modest start at retirement savings. We live very fairly frugally and during the time I was not working full-time our...
by porcupine
Fri Jun 27, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: To HSA or not to HSA
Replies: 12
Views: 1572

Re: Best route thru DC on I95

Looking for the best route thru DC heading north on I 95 from Richmond Va to Philly. During July 4 week. Last trip we followed GPS and it took us thru the busy DC TRAFFIC. Appreciate any hints on best route. Lee I find it somewhat strange that you are not planning for alternatives to I-90 from Rich...
by porcupine
Fri Jun 27, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Best route thru DC on I95
Replies: 23
Views: 1448

Re: Sallie Mae incorrectly calculating interest?

In professional financial markets, the US dollar and US calculations use 360 days-- that's pretty much universal (US bonds and money market securities use 12 30 day months of 30 days each, even for leap years and for February etc.). That does not appear to the be the case here, but it tells you tha...
by porcupine
Fri Jun 27, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 5107

Re: Sallie Mae incorrectly calculating interest?

[...] Interest for more than one year is calculated using compound interest. A Brasilian woman told me in Brasilian markets they use compound interest even for periods of less than 1 year, I think because Brasil had hyperinflation. Here is a quote from an online bank . If I understand correctly, mo...
by porcupine
Fri Jun 27, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 5107

Re: Sallie Mae incorrectly calculating interest?

Hi All, I am writing to you because I may have discovered that Sallie Mae is off a few cents on a monthly basis on my student loan. I have been monitoring this for some time and now keep a daily record of my student loan declining balance and interest accrual. Most concerning, I do not believe thei...
by porcupine
Thu Jun 26, 2014 6:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 5107

Re: How To Encourage A Young (Sensitive) Child In Sports

I have 3 daughters and have been through the same thing with them. Basically what we have told all three of them is that there are two things that we expect from them outside of school. One is to be physically active and the other is to study music. However they get to chose the activity and music....
by porcupine
Sun Jun 08, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5882

Re: How To Encourage A Young (Sensitive) Child In Sports

Being forced to kiss relatives? Whoa! Sick! :D It's a cultural thing. Some cultures use the one cheek kiss, others the two cheeks kiss, and still others the three cheeks kiss. Oops, not that third cheek; I mean the first cheek a second time. You have to know whom you are greeting. I am old, and I s...
by porcupine
Sun Jun 08, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5882

Re: Do I take the separation package offer?

Vinny: Hey, Vincent LaGuardia Gambini-- Lisa: His name's J.T. Vinny: J.T., I believe you and Lisa played a game of pool for two hundred dollars, which she won; I'm here to collect. J.T.: How 'bout if I just kick your ass? Vinny: Oh, a counteroffer. That's what we lawyers, I'm a lawyer, call that a ...
by porcupine
Tue Apr 08, 2014 6:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 52
Views: 5708

Re: Tax question about exceeding 401K contribution

A possibility : 1099-R is issued for year of receipt which makes sense and is what Fidelity did ; and so file an amended return for '12 & a '13 return reflecting the K correction - that's how I would handle it - wouldn't assume Fidelity is wrong - this is the stuff they do well and they do it o...
by porcupine
Fri Mar 21, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question about exceeding 401K contribution
Replies: 5
Views: 341

Re: What premium items are least worth it?

Gnirk wrote:
Ged wrote:Jewelry.


Hmmm…are you related to my husband? :shock:

Relatively or literally? ;-)

- Porcupine
by porcupine
Sun Mar 16, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 6999

Re: Another one of those 'should I sell my condo?' threads

Felllow bogleheads, here's the scoop. I saw a 1 bedroom condo in my complex listed at more than I paid for my 2 bedroom property. The price it is listed at, which says pending sale, seemed like a crazy stupid high number to me - and If that is a valid number, my 2bedroom is worth a lot more than I ...
by porcupine
Fri Mar 14, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another one of those 'should I sell my condo?' threads
Replies: 8
Views: 650

Re: Did you retire in your 30s?

Stonebr wrote:
Videogames wrote:Favorite seen in office space when they said if you had a million dollars what would you do? Nothing. Lol
Nothing = whatever I feel like that day.


[OT comment removed by admin LadyGeek]

[Reply to OT comment removed by admin LadyGeek]

- Porcupine
by porcupine
Thu Mar 13, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 55
Views: 5623

Re: Did you retire in your 30s?

32 my in laws can't stand it. They think work is some how good for you and getting up everyday at 6 am sitting in traffic is the way to go. People also ask me what I do. I'll say from now on I'm not working. That'll kill that conversation and lead to something more stimulating. Favorite seen in off...
by porcupine
Thu Mar 13, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 55
Views: 5623

Re: Having problem with Vanguard ... reverting 401(k) contri

tfb: Thanks for the response! My wife changed jobs in 2013. Later in the year, her new company split. As a result, she ended up with three W2s for the year. The 401(k) custodian from her first job was not Vanguard; however, Vanguard does administer her plan in her new company (both before and after ...
by porcupine
Sat Mar 08, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Having problem with Vanguard ... reverting 401(k) contribs
Replies: 3
Views: 504

Re: Questions about a Lingering Divorce

Are both parents open to the idea of selling the house? I agree with Michael Scott's suggestion to tread carefully. Even though you would be helping, you'd be the messenger of an unfortunate reality in your parents' situation: they may not be able to keep their current home. +1. OP: Is there any wa...
by porcupine
Sat Mar 08, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about a Lingering Divorce
Replies: 28
Views: 1763

Re: Went back to TaxACT, OK but a few problems

David:

The last few years - and I plan to this year as well - I ran all the numbers through TaxAct, but then hand-filled the appropriate forms then mailed them. A bit more work, but that might work for you ...

- Porcupine
by porcupine
Tue Mar 04, 2014 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Went back to TaxACT, OK but a few problems
Replies: 5
Views: 719

Re: [POLL] What do Bogleheads DRINK?

What is "regularly"? I checked off the box for wine because I think I drink it regularly - maybe every couple of weeks. But it's actually a bit irregular, and not frequent. Maybe you meant daily, so maybe I shouldn't have checked that box. My daily drinks are coffee, water, and tea. Anywa...
by porcupine
Tue Mar 04, 2014 7:39 am
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 71
Views: 4591

Re: Experiences with Eli Lilly Credit Union for HSA?

I was turned down! :annoyed They were nice during the sign up process but once I was rejected they treated me like I had leprosy. I jumped through every hoop they requested which seemed to revolve around identification. My drivers licence doesn't match my current address but it's been like that for...
by porcupine
Sun Mar 02, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Experiences with Eli Lilly Credit Union for HSA?
Replies: 69
Views: 16796

Re: Best practice for laptop battery life

[...] To never allow it to fully discharge, and try not to let it go below 10%. To only recharge when it <35%. No complaints here. And to not keep it plugged in, unless I was engaged in an energy-draining task. Again, using the battery is what kills the battery. When you are not plugged in, you are...
by porcupine
Sat Mar 01, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Best practice for laptop battery life
Replies: 12
Views: 1214

Re: Billing for annual physicals

It seems, from posts here, as well as my experience, that there are widely different situations experienced and practiced. That goes without saying, though it does appear that enough folks are dinged - more than I had originally assumed when I made my OP. Last year (Kaiser Medicare) at my annual &q...
by porcupine
Wed Feb 26, 2014 12:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5363

Re: Help with Mortgage-speak!

Hi, I am trying to explain something to my loan servicer, but I am having a hard time getting my question across or really understanding whether he is answering me. Hopefully someone here can give me the correct terms to use to communicate with him properly. Background: We have already closed on ou...
by porcupine
Wed Feb 26, 2014 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with Mortgage-speak!
Replies: 27
Views: 1567

Re: Billing for annual physicals

Doctors shouldn't accept insurance or do physicals if they don't think they make enough money. If I schedule an annual physical and the doctor believes we are covering something beyond the scope of the initial visit then the Doctor has the responsibility to inform the patient (and tell me how much ...
by porcupine
Tue Feb 25, 2014 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5363

Re: Does anyone not take depreication on rental?

Taking depreciation is a form of tax deferral. If a 401k makes sense, so does depreciation. That's not really true. You are forced to take yearly depreciation. If your cash flow is near even, you wouldn't really benefit as there is no deferral. The depreciation recapture rate is 25 percent. However...
by porcupine
Tue Feb 25, 2014 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does anyone not take depreication on rental?
Replies: 11
Views: 712

Re: Data security (removing old TaxAct files)

Thanks to everyone for your responses - they were very helpful, though in the end, I just went ahead and performed a wipe using ccleaner. I'm in IT, so let me suggest an alternative view of the issue: You're focusing on the wrong problem. If you're taking your computer to someone you do not trust, y...
by porcupine
Tue Feb 25, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 768

Re: Billing for annual physicals

There are two reasons why I have not responded to the responses on this thread: - I have a lot to write - I don't have the time to sit and write it all at one sitting :-( In the meantime, let me share an article that my wife forwarded me. One thing is for sure - doctors have probably always been (fo...
by porcupine
Tue Feb 25, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5363

Re: HSA vs. Regular Plan--two very good choices

The minute you leave, the HSA starts hitting you with monthly fees, if they don't already. My new employer has an HSA plan, and I talked to the former employer HSA people about moving my money to the new HSA. They got a good laugh out of that. Laugh as they wish. You can move your money to your new...
by porcupine
Mon Feb 24, 2014 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA vs. Regular Plan--two very good choices
Replies: 18
Views: 1194

Re: HSA vs. Regular Plan--two very good choices

The generous employer subsidy justifies the HSA. Usually, the worst case for a high-deductible plan is if you use the entire deductible, as the high-deductible plan is likely to cost less than the conventional plan once the deductibles have been met. In your situation, if you use the whole $3000 de...
by porcupine
Sun Feb 23, 2014 11:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA vs. Regular Plan--two very good choices
Replies: 18
Views: 1194

Re: Data security (removing old TaxAct files)

I have been using TaxAct for the last few years (a satisfied customer). My laptop has now become a bit ancient and I need to get it cleaned and overhauled (I am not too good with that sort of a thing, especially with a laptop). WIth that in mind, I need to clean out my TaxAct data that is lying in i...
by porcupine
Thu Feb 20, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 768

Re: People Search - paying for data?

Based on the responses you've received, I suggest a small change to your signature. Current version: An elephant for a dime is only a good deal if you need an elephant and have a dime. Revised version: An elephant for a dime is only a good deal if you need an elephant and have a dime, and no one els...
by porcupine
Fri Feb 14, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: People Search - paying for data?
Replies: 21
Views: 1791

Re: People Search - paying for data?

I have a close friend who used an online service (not sure which one) to find a long lost sibling. He paid ~$20 for the contact info and was given an address and phone number. Both were correct and he was able to get in contact. If you Google the name of the site you are considering using you may f...
by porcupine
Fri Feb 14, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: People Search - paying for data?
Replies: 21
Views: 1791

Re: Vanguard snowed in.

[weather report] How the weather in Scottsdale, AZ? gkaplan now lives in Portland. He used to live in CA. Maybe he also once lived in Scottsdale, but I don't know. Then again, he has an internet connection and can look it up for you. I think nisi's got a significant portion of his assets with Schwa...
by porcupine
Thu Feb 13, 2014 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard snowed in.
Replies: 31
Views: 3504

Re: Billing for annual physicals

I am never asked to fill out paperwork. That sounds like a new patient. At my annual physical the doctor always asks if I have any issues. I don't remember if I have ever said I did. Sounds like you either need a new doctor or tell them of your dissatisfaction and that if they do this again you WIL...
by porcupine
Wed Feb 12, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5363

Re: Billing for annual physicals

There was a physician on the forum, biasion who wrote about how to increase billing simply by some of the things mentioned by the OP. http://www.bogleheads.org/forum/viewtopic.php?p=512077 (Am I weird for remembering that thread?) Wow. That is an eye-opening thread. Thanks livesoft! This is me righ...
by porcupine
Wed Feb 12, 2014 12:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5363

Re: Billing for annual physicals

We get blood drawn and lab results back BEFORE we go to physical, so that we can talk about blood chemistry at the physical exam. Don't know about my wife, but I asked - and was told that I would get the blood work paperwork at the physical. Next time, I will insist on getting the paperwork for the...
by porcupine
Wed Feb 12, 2014 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5363

Re: Billing for annual physicals

We get blood drawn and lab results back BEFORE we go to physical, so that we can talk about blood chemistry at the physical exam. Don't know about my wife, but I asked - and was told that I would get the blood work paperwork at the physical. Next time, I will insist on getting the paperwork for the...
by porcupine
Tue Feb 11, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5363

Re: Billing for annual physicals

My understanding is that an annual physical is a free visit to the doctor. However, my wife and I have both had issues with how we are being (over?) billed by our primary doctor who we've been visiting for nearly a decade now. Here is a brief summary: For the last (nearly) two years, we have been on...
by porcupine
Tue Feb 11, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5363

Re: Help with Wife's New 401K

Hey Everyone, My wife's company is switching 401K investment options to Blackrock and Columbia. The expense ratios are much higher than I am used to with Vanguard and Fidelity. I would love if you guys would look at the options in the attached picture and make so recommendations for asset allocatio...
by porcupine
Fri Dec 20, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Wife's New 401K
Replies: 5
Views: 562

Re: Really dumb question about Expense Ratio calcs

I'm embarrassed to ask this, but I'd just like to check and see if I'm understanding my expense ratio correctly. If I have 3 funds with the following allocations and expense ratios: Vanguard Total Bond Market - 15% - (.05% ER) Vanguard Total Stock Market - 60% - (.02% ER) Vanguard Total World Stock...
by porcupine
Tue Dec 17, 2013 6:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Really dumb question about Expense Ratio calcs
Replies: 4
Views: 692

Re: Best free portfolio x-ray

[...] Currently though, TRP displays this message The Morningstar® Portfolio Manager tool is currently unavailable due to technical difficulties. Morningstar is committed to resolving the issues and is targeting the tool to be available before the end of December 2013. We apologize for any inconven...
by porcupine
Sun Dec 15, 2013 7:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Best free portfolio x-ray
Replies: 11
Views: 1343
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