Search found 851 matches

by ClevrChico
Sat Apr 22, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should some professions tell people how much they make?
Replies: 34
Views: 3367

Re: Should some professions tell people how much they make?

I can relate to your situation. Facial hair and even some gray highlights in your hair will make you look older. I would not tell people how much you make. Given your hourly rate, it's pretty simple to multiply it by 2080. :) As a parent, we're always testing what works best with our kids, and what ...
by ClevrChico
Fri Apr 21, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 98
Views: 6274

Re: Career advice in IT

Just remember there's a whole world outside IT. As a fellow IT person, I see people spend too many hours at the office, get one vendor cert after another, and it becomes all life consuming. I received invites to spend a good chunk of this weekend at an IT boot camp and a tech seminar. Continuing edu...
by ClevrChico
Fri Apr 21, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 57
Views: 3640

Re: Removing a tree - expensive!!!

I had a huge silver maple close to my house removed in 2014 for $1580. I calculated labor to be 32 hours divided among the crew. That's a lot of labor. I had several bids with huge variations in pricing. The mom and pop, probably uninsured, outfit was the most expensive. I went with a large professi...
by ClevrChico
Thu Apr 20, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 82
Views: 6155

Re: Did anything surprise you in your 2016 taxes?

How annoying it is to upgrade one's Vanguard account mid-year to "brokerage format" and have double the 1099 paperwork to process.
by ClevrChico
Wed Apr 19, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 54
Views: 4707

Re: How to make best use of lunch with the company president/CEO?

I'd watch a few Charlie Rose reruns to get a few ideas on some excellent and safe questions. You probably only need one or two.

The Q&A session may only last about five minutes. Probably not a big deal.
by ClevrChico
Sun Apr 16, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: New law will ban NYC employers from asking about salary history
Replies: 15
Views: 1687

Re: New law will ban NYC employers from asking about salary history

How can they make an acceptable offer if they don't know your salary? Most companies have already set a salary for the position. Larger companies will use a salary band. If they want to save everyone's time, they'd disclose it to the candidates. (My company shares this info with internal employees....
by ClevrChico
Sat Apr 15, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: New law will ban NYC employers from asking about salary history
Replies: 15
Views: 1687

Re: New law will ban NYC employers from asking about salary history

Good for NYC! I've always found this to be a terrible question and difficult to answer honestly while not selling yourself short. Especially, if part of your salary is profit sharing and variable. Do you estimate that? What if you're current job is a month away from a raise? What if your have an ext...
by ClevrChico
Tue Apr 11, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 84
Views: 11502

Re: You can never go "home" - retirement

Great topic. I'm glad I'm not the only one that thought about this. My wife and I have had this retirement plan. I wanted it to happen so bad, it was the dream of my weekly lottery ticket. It's a small town that is very vibrant. If was so far off, it seemed like a great plan, but now I've having dou...
by ClevrChico
Tue Apr 11, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7121

Re: leaving early from work

I'm in a similar situation, and I do flex time, working partially from home. It works out really well, and I'm flexible on my side if the company needs me after hours. It's a two way street! Talk to your manager and work out an agreement. Otherwise, I'd probably go to 75% full-time. I could tell my ...
by ClevrChico
Fri Apr 07, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: way to carry a cell phone
Replies: 6
Views: 695

Re: way to carry a cell phone

I have to be on-call, so my phone has to be near me. Coat pockets for cool weather and a holster for summer is my solution. I've considered a Casio G-Shock watch with bluetooth: http://world.g-shock.com/us/en/ble/2nd/ That would keep notifications from being missed when swimming or when the phone is...
by ClevrChico
Tue Apr 04, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 2653

Re: Buying House with Odor (not cigarette)

I'd agree on passing. A friend bought a former smoker's car. He bought an ozone machine, charcoal sachets, shampooer, etc. The smoke smell is still there! It's especially noticeable after being out in the sun. Obviously it's a different situation, but it shows how hard odor removal is, and how futil...
by ClevrChico
Mon Apr 03, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4607

Re: Is Craigslist still the main site to sell stuff locally?

If your time is valuable, no. I usually use Ebay. Otherwise work classifieds. If it's not worth the time to deal with, I donate or trash it.
by ClevrChico
Mon Apr 03, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 6451

Re: Got my second comma -- what is this anticlimactic feeling?

So with our paychecks last Friday, we crossed over $1mm in cash and investments. Why does it feel so anticlimactic? Maybe it's because we crossed over the million-dollar net worth hurdle in 2016 taking into account home value -- but honestly I thought I'd feel more excited about officially hitting ...
by ClevrChico
Sun Apr 02, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 6876

Re: Is anyone decreasing % of bonds this year?

Since I'll be slightly older this year, I'll be slightly increasing my allocation. :-)
by ClevrChico
Fri Mar 31, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 3808

Re: I don't understand how commercial real estate making money

I work in the fastest growing city in the state. It's new enough that there is no traditional business district, just strip malls everywhere. I do see long term vacancies that last for years in the strip malls. None are at 100% occupancy, but they keep building more. I've seen a decline of retail sh...
by ClevrChico
Fri Mar 31, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 8421

Re: What career helped you become wealthy?

In 2013, a UBS survey concluded wealthy was a net worth of $5 million:

http://www.cnbc.com/id/100904381

I'm sure you can define it any way you like.
by ClevrChico
Sat Mar 25, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 6601

Re: How did graduating out of daycare impact your finances?

Kid #1 graduated out of childcare into elementary school in 2016. Money going into taxable investments has increased $600/month. There is the expense of after school care, but that's one day a week for us. Summer will be full time, but it's still less than daycare. It's not a windfall, but it is not...
by ClevrChico
Fri Mar 24, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 3802

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

I read of this happening before on other forums, it sounds like a scam. Tax is clearly a line item in the purchase agreement here. The car dealer is responsible for collecting it.

I'd unwind the deal before I'd pay more than agreed upon.
by ClevrChico
Thu Mar 23, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4247

Re: How did you do your income taxes?

FreeTaxUSA

Free Federal. $11.65 State w/ coupon.

It was comprised of 24 pages of documents. Time/hassle saved is well worth it.
by ClevrChico
Thu Mar 23, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Help Overcoming a Lead Paint Phobia
Replies: 32
Views: 2264

Re: Help Overcoming a Lead Paint Phobia

I live in an older home with two young kids who tested normal for lead levels. - I assume any painted surface contains lead, including stained wood, and take precautions. - I've made sure any painted surfaces are sound. If not, I've used peel-stop, primer, and new paint. I do not sand. - I make sure...
by ClevrChico
Wed Mar 22, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 8179

Re: The $1,124.176 Car.

TCO on any car is pretty big. Add in opportunity cost. Ouch!

TCO on my old Honda Fit is around $250/month for some lazy commuting. Even that seems like a lot.
by ClevrChico
Wed Mar 15, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 101
Views: 10523

Re: Early Retirement - what to do about healthcare?

The blogger at Root of Good is an Early Retiree who discusses his family's healthcare costs in great detail. Here is a recent post: http://rootofgood.com/december-2016-financial-update/ Basically, they control their income to be just over the poverty line for maximum ACA subsidies so they pay very ...
by ClevrChico
Wed Mar 15, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 9978

Re: $464.12 dinner bill last night. No regrets.

That is a great story, and the way you thanked them is excellent. It's inspiring how your aunt and uncle helped you out and the difference it made in your life.
by ClevrChico
Mon Mar 13, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Just got my annual review today
Replies: 23
Views: 4637

Re: Just got my annual review today

That sounds pretty much like every review I've had. The communication ratings drive me bonkers, it's so subjective. My total compensation is slightly variable, and hasn't been trending great recently. To me, job flexibility and a great boss are worth a lot more than reaching for a promotion, and you...
by ClevrChico
Mon Mar 13, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: web access in a power failure
Replies: 21
Views: 1669

Re: web access in a power failure

If you have Sprint coverage you could use a hotspot from this organization to replace your internet access: http://www.4gcommunity.org/ The hotspots are battery powered. For an extended outage, you could charge the device via car charger, laptop, battery power tank, etc. As I understand it, Mobile ...
by ClevrChico
Mon Mar 13, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: web access in a power failure
Replies: 21
Views: 1669

Re: web access in a power failure

If you have Sprint coverage you could use a hotspot from this organization to replace your internet access:

http://www.4gcommunity.org/

The hotspots are battery powered. For an extended outage, you could charge the device via car charger, laptop, battery power tank, etc.
by ClevrChico
Mon Mar 13, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 162
Views: 14260

Re: High End Wrist Watches (Gone Crazy)

I shrunk it considerably. Just lost interest in having a bunch of different watches. http://www.savingadvice.com/forums/members/corn18-albums-stuff-picture31-screen-shot-2017-03-10-6-29-12-pm.png I love this "gone crazy" thread with the changing collection! I like how you still have a Cas...
by ClevrChico
Mon Mar 13, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18211

Re: gratuitous homeownership items

Mature trees.

The right species in the right location is great. If done incorrectly, maintenance is surprising high. (Gutter cleanings twice/year, leaves in the fall, trimming, insect treatment, expensive take-down.)
by ClevrChico
Sun Mar 12, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 5132

Re: Ally Bank Replacement

I was caught by the outage yesterday too.

The flip-side is that Ally seems to be investing and updating their software for the good of the customers. The latest mobile app is great! The fingerprint authentication is very handy.

I'm sticking with Ally.
by ClevrChico
Sat Mar 11, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: can you recommend good tires
Replies: 50
Views: 2656

Re: can you recommend good tires

I have the same car and bought Michelin Premier AS. They have excellent ratings.

I was very happy to see this tire available in the weird tire size Honda chose for this car. A few years ago there were only TWO choices.

Good luck!
by ClevrChico
Wed Mar 08, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 5185

Re: Are Fiat Cars Junk?

When my Honda was waiting for a new airbag, my long term rental was a Dodge Dart, which is a Fiat platform. It was an excellent driving car, very solid and put together well. While it won't be Toyota/Honda reliable, I'd have no issues with a modern Fiat. Experts do not share your opinion. The Dodge...
by ClevrChico
Tue Mar 07, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5175

Re: Car engines. Turbo vs no turbo

I had a Nissan 300ZX Turbo. At 140k+ miles it still produced full boost and burned no oil. The rest of the car was falling apart, but turbos should last the life of the car with proper maintenance.
by ClevrChico
Tue Mar 07, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 5185

Re: Are Fiat Cars Junk?

When my Honda was waiting for a new airbag, my long term rental was a Dodge Dart, which is a Fiat platform. It was an excellent driving car, very solid and put together well.

While it won't be Toyota/Honda reliable, I'd have no issues with a modern Fiat.
by ClevrChico
Sun Mar 05, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 4254

Re: The Joys Of Tax Season! :(

For me, daycare statements were late and comingled for the two kids. I also switched from TaxAct to FreeTaxUSA, and some of the data had to be manually re-entered.

This may be the first year I file an extension.
by ClevrChico
Sun Mar 05, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Downsides to Living in Same Neighborhood Entire Life?
Replies: 17
Views: 1932

Re: Downsides to Living in Same Neighborhood Entire Life?

I think we all experience the "grass is greener" syndrome. I didn't discover how great my small town truly was until I had college out of the way, and I was between jobs and had free time. Then, the new job moved me across the state. :twisted: Moving did force me out of my comfort zone, ne...
by ClevrChico
Sat Mar 04, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 7326

Re: Climate and happiness revisited

Unless it's really windy, anything above 20F is tolerable to me, anything above 40F is even better, and I hate being cooped up inside too. But obviously we all have different expectations regarding climate, that's one reason we live all over the world. Lots of people who ski, snowboard, snowshoe, s...
by ClevrChico
Fri Mar 03, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: How to ask back the book I lent to a Director?
Replies: 45
Views: 2809

Re: How to ask back the book I lent to a Director?

Absolutely don't bring it up again and consider it a gift. Pestering a director about a book you may have forced on them is a sure way to burn a bridge. :-)
by ClevrChico
Fri Mar 03, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Generating Passive income
Replies: 33
Views: 3923

Re: Generating Passive income

I hold a taxable account with tax efficient index funds. I believe by definition it is passive income, and if I didn't have w2 income, it would be mostly tax free.

In my situation, I can't imagine dealing with rentals or a second job. (No time, family, etc.)
by ClevrChico
Fri Mar 03, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Ever dip your feet into individual stocks?
Replies: 63
Views: 3642

Re: Ever dip your feet into individual stocks?

Yes, in the late 90's, in college. Lost half my money. Luckily it wasn't much money. Lesson learned.
by ClevrChico
Wed Mar 01, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: Mom & Pop investors piling in. Bad Sign/Good sign?
Replies: 36
Views: 6948

Re: Mom & Pop investors piling in. Bad Sign/Good sign?

I practice "Lazy Rebalancing" so all new cash has been going into bonds for a while. That's a first for me. I was doing the complete opposite a few years ago.

Good or bad, I'll stay the course.
by ClevrChico
Wed Mar 01, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't I save enough to have decent vacation or restaurant meal
Replies: 125
Views: 11453

Re: Why can't I save enough to have decent vacation or restaurant meal

Middle Class Life = Fine line between saving a lot and spending it all.

You seem to be doing fine with the 401k and 529, so good work on those! Your HCOL mortgage and credit card seem to be big opportunities to cut costs if you wanted to.
by ClevrChico
Mon Feb 27, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Tire Warranties
Replies: 55
Views: 6242

Re: Tire Warranties

I purchased tires from a larger repair shop, and the tires were out of round when new. They replaced them without issue. I had a tire sidewall split on a tire when purchased from a dedicated tire shop. They told me to go pound sand in polite terms. :-) Now I just buy online, use Tire Rack, or have a...
by ClevrChico
Sat Feb 25, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 69
Views: 5323

Re: Does anyone else have (possibly too much) fun dealing with finances?

Yes, DS makes frequent jokes about it. DS encouraged me to apply for an internal job with more finance focus which would be a promotion. I declined, as it probably wouldn't be fun anymore. :-)
by ClevrChico
Sat Feb 25, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 35
Views: 3989

Re: BofA HSA dropping Vanguard Funds

letsgobobby wrote:i have an employer BOA plan, and I got the letter tonight.


Darn! Thanks for the heads up.
by ClevrChico
Fri Feb 24, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 35
Views: 3989

Re: BofA HSA dropping Vanguard Funds

I'm not sure this holds true across the board... I have B of A HSA through my employer, all Vanguard funds within, have received no email about this, and just logged into my account and see no mention of it anywhere. Maybe it only applies to a certain segment of people? I have allocation in: VANGUA...
by ClevrChico
Fri Feb 24, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Step By Step
Replies: 33
Views: 10011

Re: Backdoor Roth Step By Step

It can be much more complicated depending on your situation. I have a Rollover Traditional IRA which would make any conversion of a backdoor IRA to Roth result in a tax bill. (Due to prorated tax rule.) I could do an indirect rollover of the rollover tIRA into my 401k to resolve that, but my 401k pr...
by ClevrChico
Thu Feb 23, 2017 9:54 pm
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 117
Views: 11197

Re: For people who think the market is going to crash, where along the continuum are we?

It feels like the late 1990's to me. My econ professor would gush in disbelief at the market volatility at the beginning of class. Who would have thought there would be .com crash and 9/11 a few years later, then a global financial crisis, and finally what seems a long period of growth. All we can d...
by ClevrChico
Tue Feb 21, 2017 9:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 1565

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

finite_difference wrote:Happy <3 Day to one of my personal heroes!


Agree! A positive life changing event for someone that has helped so many!
by ClevrChico
Sun Feb 19, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 16375

Re: Why do you go to restaurants?

Thirty or forty years ago eating out was a special occasion event for my family. Now, eating seems much more commonplace and an everyday thing for some people. I'm burnt out eating out. I think quality and service are not what they used to be. The occasions we visit McDonald's (indoor playground), t...

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