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Re: Does your work define you?

Everything is about balance. You have to figure what that means to you and take action to achieve what you want.
by stan1
Tue Dec 16, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: Does your work define you?
Replies: 30
Views: 2699

Re: Another new laptop advice.

End of extended support for Windows 7 is Jan, 2020 so if you think he'll keep the computer for more than 5 years Windows 8.1 might be a better choice.

Configure Windows 8.1 with the "classic" view.
http://windows.microsoft.com/en-us/wind ... assic-view
by stan1
Sun Dec 14, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Another new laptop advice.
Replies: 10
Views: 1232

Re: Anyone prep for the PMP???

Part of what PMBOK is trying to do is standardize project management terminology across industries. That's a noble objective, but the fact that different industries and organizations use different terminology still remains. It does seem like PMI went out of their way to show no bias towards any indu...
by stan1
Sun Dec 14, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Anyone prep for the PMP???
Replies: 11
Views: 2148

Re: Total Market fund for Developed countries only

I suspect the Morningstar factors do not match perfectly (mainly due to the size factor), but there is something to be said for keeping it simple. If you have a 50/50 portfolio and a 3/2 US/International ratio, Canada is only about 1.5% of the portfolio. No point in slicing any thinner by my calcul...
by stan1
Sun Dec 14, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market fund for Developed countries only
Replies: 17
Views: 1347

Re: Suggested tax book for beginner?

IRS Pub 17 "Your Federal Income Tax" is a great place to start. Here's a link to 2013 version, should be "good enough" if you just want general info and aren't trying to solve a specific 2014 tax issue (since 2014 pub isn't available yet): http://www.irs.gov/pub/irs-pdf/p17.pdf A...
by stan1
Sat Dec 13, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested tax book for beginner?
Replies: 17
Views: 1637

Re: What is a move-up car after mid-size sedan?

If you like the Camry you could look at a Lexus ES. Definitely not "sporty".
by stan1
Sat Dec 13, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4017

Re: For you slicers/dicers out there [rebalancing/adding new

I have no plans to ever sell anything in a taxable account just to rebalance. What I have done is to contribute shares from an overweight asset class to my Donor Advised Fund and I have sold overweight/unwanted asset classes in my taxable account to make large purchases (new car, work on house). I o...
by stan1
Sat Dec 13, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: For you slicers/dicers out there [rebalancing/adding new $]
Replies: 20
Views: 1814

Re: Equal weight ETF (Guggenheim's RSP) vs Vanguard VTI???

Equal weight S&P 500 allocation is essentially a heavy overweighting of mid caps. I choose to overweight small caps relative to the total market. I'm not sure that 100% market cap or 100% equal weighting is optimal so I pick something in the middle. Further since there is no way to predict futur...
by stan1
Sat Dec 13, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Equal weight ETF (Guggenheim's RSP) vs Vanguard VTI???
Replies: 19
Views: 1774

Re: Very strange burglary

Bored kids looking for souvenirs of their adventures (not hardened criminals, at least yet).
by stan1
Fri Dec 12, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Very strange burglary
Replies: 41
Views: 4672

Re: help! suspicious call asking about my SS application

I can guarantee you that SSA has remote teleworkers so the fact that you heard a barking dog should not be a red flag. I would not expect the caller ID to say "SSA". If I was expecting the call I would have engaged with her so long as the questions seemed relevant to the application I'd su...
by stan1
Fri Dec 12, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: help! suspicious call asking about my SS application
Replies: 12
Views: 1422

Re: Backdoor Roth process at Vanguard

The contribution funds are in the Traditional IRA account for a day or so. Really doesn't matter what you put it into. I contribute to a money market fund in the Traditional IRA and then invest it in the asset class I want in the Roth when I do the conversion. Since the Vanguard Traditional IRA acco...
by stan1
Fri Dec 12, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth process at Vanguard
Replies: 36
Views: 2183

Re: What to do with profits: disagreements with partners

I have to ask, are you physicians? If not what line of business? It may influence the advice you get here.
by stan1
Fri Dec 12, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do with profits: disagreements with partners
Replies: 9
Views: 1045

Re: Poll: Your Portfolio Tax Diversification

About 45% taxable, 45% traditional 401K, 10% Roth IRA.

It is what it is. Contribution options open to me are maxed out and with a 37.3% marginal tax rate there's no reason for me to contribute to a Roth 401K.
by stan1
Fri Dec 12, 2014 9:27 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2428

Re: Totally Stressed. Husband lost job.

I'd start espousing the benefits military service to the kids (service academies, ROTC, enlisted as appropriate). Paid education, leadership/management skills, discipline, community. It's good that you are instilling a strong work ethic (small jobs while they are young).
by stan1
Fri Dec 12, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 28
Views: 6346

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I have spontaneously decided to take vacations, replace lawn with artificial turf, restucco, and replace cars. These might not be emergencies but I was able to make the decision immediately because I had liquidity rather than telling myself "oh, maybe I better wait two months to replace the law...
by stan1
Thu Dec 11, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 54
Views: 3466

Re: Life as an Expat

This entirely depends upon where you are at. London vs. Maputo vs. Riyadh vs. Dubai vs. Dhaka vs. Jakarta? It's completely different. There are some places where every first thought has to be about safety which requires some getting used to.
by stan1
Wed Dec 10, 2014 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life as an Expat
Replies: 1
Views: 539

Re: Pay down mortgage or do nothing?

Personal preference. Once retirement account contributions are maxed I think a mix of asset accumulation and debt reduction makes good sense, but that's my preference. A taxable investment account gives you liquidity that a retirement account doesn't offer so I wouldn't sacrifice that in order to pa...
by stan1
Wed Dec 10, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or do nothing?
Replies: 27
Views: 2394

Re: Stolen computer

Report the theft to your employer's IT help desk IMMEDIATELY (or similar if anyone of them have 24/7 manning). If you are in a smaller company let your boss know. Was the hard drive encrypted, or hopefully you at least have a password on the computer? Odds are the thief is after the laptop itself --...
by stan1
Wed Dec 10, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Stolen computer
Replies: 29
Views: 2346

Re: Poll: Dividend income to match annual salary?

I don't think it will ever happen, even if I live 30 years into retirement.
by stan1
Wed Dec 10, 2014 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3581

Re: What is the best meal you've had at a restaurant?

No single best, but some highlights: - Fresh caught shrimp BBQ'd on the beach in Limbe, Cameroon. These were the 8" "Nigerian" shrimp which you won't see in the US. Delicious, but the government decided to put an offshore oil platform in the middle of the bay so the view is definitely...
by stan1
Wed Dec 10, 2014 6:23 am
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6535

Re: Quintessential Australia/New Zealand Things To Do/Visit

I've been to Auckland twice. It's a big city but doesn't have as much history or culture as other parts of NZ. Some of the interesting places in New Zealand are Christchurch, Dunedin, Queenstown, and Milford Sound on the South Island plus Napier and maybe Wellington on the North Island. All of which...
by stan1
Tue Dec 09, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Quintessential Australia/New Zealand Things To Do/Visit
Replies: 17
Views: 1296

Re: Paying down mortgage vs maxing out retirement

You aren't giving us a lot of details -- but in general I would say that someone with $1.3M saved for retirement and a $591K mortgage is in a position to pay down the mortgage quicker. You could re-fi with a 15 year mortgage or make two extra payments every year. Your specific situation may be diffe...
by stan1
Tue Dec 09, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs maxing out retirement
Replies: 11
Views: 1416

Re: Donate or Sell AV Receiver

Or give it to a friend who will appreciate it.
by stan1
Tue Dec 09, 2014 7:03 am
 
Forum: Personal Consumer Issues
Topic: Donate or Sell AV Receiver
Replies: 11
Views: 876

Re: Transferring files onto a new computer

Sorry if this sounds dumb.... I suppose program files need to be re installed...is this correct? 1210 I've started keeping a log of software installs so that when I need to reinstall I don't have to rely on my memory. It can be easy to overlook how many different programs you rely on. Just looked a...
by stan1
Mon Dec 08, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 30
Views: 2025

Re: Transferring files onto a new computer

Sorry if this sounds dumb.... I suppose program files need to be re installed...is this correct? 1210 Yes, must be reinstalled. Since almost all of my applications these days are free downloads (Dropbox, Evernote, Chrome, Google Earth, ...) I just download them again on to the new computer to make ...
by stan1
Mon Dec 08, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 30
Views: 2025

Re: Daughter's retirement accounts - roth or traditional

What's her marginal tax rate (federal plus state plus local, if applicable)? There's no magic formula, but to my mind when the marginal tax rate gets up above say 30% it does make sense to take the "sure thing" of the current year tax savings that come with a Traditional 401K contribution ...
by stan1
Sun Dec 07, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Daughter's retirement accounts - roth or traditional
Replies: 21
Views: 1777

Re: Investing Magazines

I suspect the writers for Money and Kiplinger's come to this website to get story ideas.
by stan1
Sun Dec 07, 2014 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: Investing Magazines
Replies: 29
Views: 2243

Re: Returning to college at age 32: Help picking a major

His biggest concern is his age. He's looking at being 35-36 by the time he enters the workforce with his new major, so he wants to pick a field that might not have as much age bias, and good opportunities for someone entering in their mid-30s. I think both computer science and accounting will have ...
by stan1
Sun Dec 07, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Returning to college at age 32: Help picking a major
Replies: 19
Views: 1185

Re: Review IPS and Strategy Across PreTax, Roth, Taxable Acc

Couple reasons why I'd stick with the Traditional 401K/taxable savings: - Having taxable savings gives you assets to spend down and dividends until you reach retirement age and have full access to retirement accounts - Your military/VA benefits are not taxable so that will help keep you in a lower t...
by stan1
Sun Dec 07, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Review IPS and Strategy Across PreTax, Roth, Taxable Account
Replies: 4
Views: 890

Re: I'm scared - online hacking

My mom wire transfered $200K from her local credit union to Pentagon Federal last year to take advantage of 3% CDs. We initiated the transfer online but the losing credit union called the next business day and asked her many questions before approving the wire. I expect most banks would do similar.
by stan1
Sun Dec 07, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: I'm scared - online hacking
Replies: 44
Views: 4842

Re: Splitting Total International into Developed + Emerging

My view of VEU is that it is mostly an obsolete remnant from an earlier day. VEU came out as an ETF when Total International was still a fund of funds which did not offer an ETF share class. Since then Vanguard has added small caps to Total International as well as ended its fund of funds compositio...
by stan1
Sun Dec 07, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Splitting Total International into Developed + Emerging
Replies: 4
Views: 355

Re: how much house can i afford?

I don't think you mentioned your age .... different for someone who has 30 years until retirement not 10 years. A $750K house on a $150K income isn't going to work by itself, but you have assets to make a $300-400K downpayment. It sounds like you can't pull the money owed to you by the business out ...
by stan1
Sun Dec 07, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: how much house can i afford?
Replies: 14
Views: 1348

Re: Is it safe to leave Laptop in hotel room

When I have a car I bring it with me. When I don't I put it in the room safe. When there isn't a room safe I put it in a dresser drawer under some clothes rather than leaving it out on the desk.
by stan1
Sat Dec 06, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7227

Re: should I buy in Record High? S&P 500

How long did you hold Total Stock Market? If you've had it for awhile you've seen a lot of growth since you've bought it. Did you do this transaction in a tax advantaged account (IRA or 401K) or in a taxable account? Also, you didn't ask for asset allocation advice but the difference between 100% TS...
by stan1
Fri Dec 05, 2014 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I buy in Record High? S&P 500
Replies: 35
Views: 2672

Re: How to find refundable airfare or open ticket ?

I usually do searches on airline websites. It does mean spending an hour or so with a dozen browser windows open comparing prices but every airline website I've ever looked at has offered full fare refundable/changeable economy tickets. Make sure you pay attention to any change fees even on a change...
by stan1
Tue Nov 25, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: How to find refundable airfare or open ticket ?
Replies: 17
Views: 1467

Re: Paying my parents a salary not to touch their nest egg

Won't social security cover most/all of their needs if their living expenses are so low? Agree with the others. Invest the money now. If in 20 years they've spent down the $1M due to medical or other expenses then you can give them some assistance. No need to start gifting to them now. If they had $...
by stan1
Tue Nov 25, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying my parents a salary not to touch their nest egg
Replies: 50
Views: 4433

Re: Avoiding lifestyle creep

I would simply set up direct deposit such that the amount of pay raise in each paycheck goes into my investing account. Seems like a low drama approach.
by stan1
Tue Nov 25, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5431

Re: Huge salary increase...looking for guidance

I agree some introspection about what you want to do with the money is important -- especially if you think this will be happening for years to come: 1) Gifts to family 2) Education expenses 3) Start your own business 4) Retire early 5) Gifts to charity You might want to do some of all these -- but ...
by stan1
Mon Nov 24, 2014 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Huge salary increase...looking for guidance
Replies: 26
Views: 3428

Re: portfolio suggestions for the truly aged.

Is she living entirely off SS or other income (pension, family gifts)? If she is living off the stock dividends I would move her IRA to CDs and leave any highly appreciated holdings in a taxable account alone. Yes CD rates aren't great but she won't lose anything and they are liquid if she has home ...
by stan1
Sun Nov 23, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio suggestions for the truly aged.
Replies: 20
Views: 2270

Re: My Health care monthly premiums doubled after ACA

One way to look for savings is to choose a plan that has co-insurance for non-generic drug coverage. Some of the plans have up to a 50% co-insurance whereas more expensive ones have a co-pay of under $100 per fill. If you don't need an expensive name brand prescription you can save some money using ...
by stan1
Sun Nov 23, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4128

Re: Bumped out of first class at boarding - compensation?

Agree with FlyerTalk. The fact that you were flying award travel on USAir with United miles is going to make this a little more complicated for them to sort out. You'll have to be persistent and patient. It sounds like the gate agents and flight attendants did the best they could for you so I would ...
by stan1
Sun Nov 23, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6331

Re: Donating for a specific family

If you write out the check payable to the church, and verbally tell the church leader "I want this to go to the John Smith family", then how does the IRS ever know? If the donation was questioned for some odd reason, couldn't you just provide the IRS with the church's 501c3 certification?...
by stan1
Sun Nov 23, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Donating for a specific family
Replies: 43
Views: 2958

Re: What percent "Boglehead" are you?

Our overall annual expense ratio is below 0.10%, we have a 55/45 stock/bond portfolio, we save 30-40% of take home salary ever year, and spend money on things that give us enjoyment. We donate to charity and help out some family members who make less than we do. We'll likely leave our heirs several ...
by stan1
Sat Nov 22, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 120
Views: 7616

Re: Dog food - how cheap is too cheap?

We've found our dog gains weight very easily on some foods even with miniscule portions. We've had to move him several times to food that keeps his calorie intake down to a level where he doesn't gain weight. We go to a vet who is I would say "weight obsessed" and helps us select food base...
by stan1
Sat Nov 22, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 64
Views: 5774

Re: Good books on Law to give to a teenager?

Novels by authors such as John Grisham or Harper Lee's "To Kill a Mockingbird"
by stan1
Sat Nov 22, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Good books on Law to give to a teenager?
Replies: 12
Views: 1007

Re: Retirees' Regrets

For my mom it was staying in a 2400 square foot house with 2.5 acres by herself until she was 80. She didn't want to leave what she was comfortable with, but within weeks after she moved out she told us she should have sold it 30 years earlier.
by stan1
Fri Nov 21, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 2953

Re: repositioning cruise to Europe?

Transatlantic: Go east to west (Europe to US, usually Fall not Spring) so that you get 25 hour days instead of 23 hour days.

Lots of reports on Cruise Critic. Probably want to search for the cruise line you are interested in.
by stan1
Fri Nov 21, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: repositioning cruise to Europe?
Replies: 11
Views: 1386

Re: Trapped deciding between 2 Jobs: Can I renege on my offe

A major issue for me would be whether I wanted to be in NYC/NJ or Tennessee (especially other than Nashville e.g. Oak Ridge). Are you sure you don't care? Put your interests ahead of the companies. When your interests align with the companies things will work out. When your interests don't align wit...
by stan1
Thu Nov 20, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Trapped deciding between 2 Jobs: Can I renege on my offer?
Replies: 36
Views: 3813

Re: Should we tip the caregiver

Your wife should go with what she feels is right. I know I would be very appreciative of a competent caregiver especially if it is a long term relationship. It's possible your wife appreciated the caregiver more than her mom (the patient). Agree it should be a gift -- although depending upon the cir...
by stan1
Thu Nov 20, 2014 7:50 am
 
Forum: Personal Consumer Issues
Topic: Should we tip the caregiver
Replies: 26
Views: 1892

Re: Cost to furnish a condo

$2,000 to $50,000+ -- depending upon what you choose.
by stan1
Sun Nov 16, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 3987
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