Search found 1167 matches

by DTSC
Wed Mar 21, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Was my experience with a CPA typical?
Replies: 21
Views: 3413

Re: Was my experience with a CPA typical?

It reminds me of the time my brother broke some relatively minor bone at summer camp. I wasn't there, this is my mom's sorry. They drove up there immediately. The nearest doctor happened to be a general practitioner; they still existed in the 1950s. He set the bone and put it in a cast, with a fine...
by DTSC
Fri Feb 09, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: My Portfolio – Youngish Investor – Can I Improve?
Replies: 8
Views: 628

Re: My Portfolio – Youngish Investor – Can I Improve?

You might want to check out Choosefi.com if you haven't done so already
by DTSC
Sat Jan 27, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: What hourly consulting rate outside my day job?
Replies: 28
Views: 1600

Re: What hourly consulting rate outside my day job?

Don't forget that you have to pay self employment tax on the moonlighting income. On the plus side, you can open a SEP or SIMPLE IRA
by DTSC
Tue Jan 23, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Losing job soon but have big nest egg -- problem?
Replies: 20
Views: 3101

Re: Losing job soon but have big nest egg -- problem?

You might well be able to retire!

Also might be able to do some Roth conversions if you have low income

Have you listened to the choosefi podcast or the website choosefi.com?
by DTSC
Sat Jan 06, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 23
Views: 2503

Re: Northern Lights cruise, Norway, March 2018

How long was the train between Oslo and Bergen? Nice scenery? We'll be there in mid-March, so it should be mid-way in terms of mostly daylight or night. The train ride from Oslo to Bergen is one of the most spectacular in Europe. Here's a description: https://www.raileurope.com/blog/11474-oslo-to-b...
by DTSC
Sat Jan 06, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 23
Views: 2503

Re: Northern Lights cruise, Norway, March 2018

That sounds like my next dream trip! But there is so much to see in Norway, I hope you are looking forward to that as much as the Northern Lights, which can be spectacular. (If just the NL, Alaska, Canada, and even Northern USA have spectacular NL as well.) Have only been in Norway between May and ...
by DTSC
Sat Jan 06, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 23
Views: 2503

Re: Northern Lights cruise, Norway, March 2018

The northern lights go with the sunspot cycle, which is 11 years long. If I remember right we are significantly past the peak. Anyway- I have done the Hurtigruten partway although in the early summer. The stops are short. Not very much like a cruise ship. I remember drinks were expensive. You might...
by DTSC
Sat Jan 06, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 23
Views: 2503

Re: Northern Lights cruise, Norway, March 2018

How long was the train between Oslo and Bergen? Nice scenery? We'll be there in mid-March, so it should be mid-way in terms of mostly daylight or night. The train ride from Oslo to Bergen is one of the most spectacular in Europe. Here's a description: https://www.raileurope.com/blog/11474-oslo-to-b...
by DTSC
Mon Dec 11, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 7605

Re: Snow Tires? Worth it?

It really depends on where you live and the roads you drive on.

I live in the Chicago suburbs but have never needed anything more than all weather tires in any of my front wheel drive cars, but obviously your conditions might be much more difficult.
by DTSC
Sun Dec 03, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: Suggested reading for Norwegian coast trip
Replies: 18
Views: 1162

Re: Suggested reading for Norwegian coast trip

You must be taking the Hurtigruten ferry. Lucky you! Check out this website. http://www.codyduncan.com. Spend as much time in Lofoten as you can, though You might not have much daylight if traveling in the winter Bring money. Lots of it. Norway is the most expensive place I’ve ever visited, surpassi...
by DTSC
Sun Dec 03, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 10450

Re: Any retired boglehead doctors out there?

I disagree. Where there's a will, there's a way. You might not be able to work in your desired city or hospital or make what you want or need (based on your chosen lifestyle or debt burden) to make, you can work for 40 hours a week somewhere. That's not true for everyone. Some of us MDs are origina...
by DTSC
Sat Dec 02, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 10450

Re: Any retired boglehead doctors out there?

I have yet to meet a doc who regretted going part-time. In fact, most docs would be dramatically happier if they would just cut back to full-time. "In fact, most docs would be dramatically happier if they would just cut back to full-time." +1 Many don't have the option. I disagree. Where there's a ...
by DTSC
Tue Oct 24, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Credit card companies forgiving debt after death?
Replies: 48
Views: 4461

Re: Credit card companies forgiving debt after death?

She told me that if she had know they would forgive the debt, she would have charged his funeral on the card. My guess is they would only cancel balances from before the actual time of death. But that's a pretty funny thing for her to say. OP: Just by a quick googling looks like AUs are usually not...
by DTSC
Tue Oct 24, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Credit card companies forgiving debt after death?
Replies: 48
Views: 4461

Re: Credit card companies forgiving debt after death?

She told me that if she had know they would forgive the debt, she would have charged his funeral on the card. My guess is they would only cancel balances from before the actual time of death. Using the credit card after death would be fraud. I suppose he could have arranged and paid for his funeral...
by DTSC
Tue Oct 24, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Credit card companies forgiving debt after death?
Replies: 48
Views: 4461

Re: Credit card companies forgiving debt after death?

I have heard one widow tell me that Chase forgave her late husband's debts ~$15,000 after speaking with her about it and ***without her specifically requesting that the debt be forgiven***. She told me that if she had know they would forgive the debt, she would have charged his funeral on the card. ...
by DTSC
Sat Oct 14, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 98
Views: 8077

Re: What do you buy in Asian food stores?

Being Asian American, I just buy "food".

Live lobsters at $5.99 per pound at H-mart, when they are on sale.
by DTSC
Tue Oct 03, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Two Nights in Quebec City - Must See Suggestions, anyone?
Replies: 16
Views: 1544

Re: Two Nights in Quebec City - Must See Suggestions, anyone?

tennisplyr wrote:
Tue Oct 03, 2017 7:14 am
Lots of great French food, hard to go wrong.
The baguettes are to die for. I haven't been able to find anything close in the US. Happiness is a fresh out of the oven baguette.
by DTSC
Tue Oct 03, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 8497

Re: Are credit cards rewards worth it?

Absolutely! The key thing is to apply for new cards every 90 days to get the significant sign up bonuses. If you get 50,000 miles for spending $3000 in 3 months, that's 16% cash back (assuming 1 point = $0.01). What if you got 10-20% back on all your expenses each year? Heck, I even pay my property ...
by DTSC
Tue Oct 03, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 2061

Re: Travel camera reviews of what you own and why?

I own a Nikon D5100

I actually *use* my iPhone.

It's often just too inconvenient to lug around a somewhat fragile 1 pound device, even if it does take better pictures. Not to mention the pain of downloading the pictures, etc.
by DTSC
Thu Sep 28, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 45
Views: 3759

Re: Places to see in Chicago

I hope you had a good time. Come back here soon!
by DTSC
Thu Sep 21, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: The Magic of Savings Rate
Replies: 97
Views: 12227

Re: The Magic of Savings Rate

+1 Glad I'm not the only one to have noticed this. Discussions like this and the low income Bogleheads thread really display the inherent differences between the Boglehead community and the MMM community views. It seems Bogleheads wish to save enough to be FI (15%), by lowering investment expenses,...
by DTSC
Thu Sep 14, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Badly Needed---Meeting with Financial Advisor
Replies: 49
Views: 4627

Re: Advice Badly Needed---Meeting with Financial Advisor

The plan that this gentlemen came back with involved disability insurance, whole life insurance, and an IRA. Of course he had very convincing reasons for why I should have all of these things. I told him, being that I have no dependents or spouse, and that I'm relatively healthy, I didn't really th...
by DTSC
Fri Sep 08, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 45
Views: 3759

Re: Places to see in Chicago

This is a little different, but we had a great time, and a full belly too

http://www.chefdrivenfoodtours.com/
by DTSC
Wed Jul 05, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 192
Views: 16071

Re: Seeking advice on 1.2m house purchase

TuesdayGal wrote:I am considering a purchase of a 1.2M house (cringing), single (ie. no safety net) )
This says it all. Trust your own instincts.
by DTSC
Thu Jun 22, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 5852

Re: Good camera - new baby coming

My experience is that size matters. You'll have enough to carry around. After your child outgrows the diaper bag, dragging a DSLR around is just too much of a pain. Smartphones are readily available and do a good job, but don't have a good enough flash for indoor use. Therefore, if I had to do it ov...
by DTSC
Sun Jun 04, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 91
Views: 12477

Re: Teachers: what are your best personal finance tips?

I'm not a teacher, but heard a great interview of the author of this website. http://www.millionaireeducator.com/
by DTSC
Tue May 23, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Heir died before receiving full share due
Replies: 11
Views: 3297

Re: Heir died before receiving full share due

On a practical level, what's the chance that an illiterate non-English speaking person in the Phillipines will contest whatever you do?

Just do what would be the most fair thing you would do here in the U.S.
by DTSC
Sun May 21, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 2914

Re: Vehicle recommendation for large family

Does your Odyssey have towing capability? That might be to cheapest way to go, if you more cargo space only on road trips.
by DTSC
Mon May 15, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Buying Major Appliances Online
Replies: 20
Views: 2601

Re: Buying Major Appliances Online

Try abt.com

Don't take my word for it, rated #1 about 2 years ago with Consumer Reports. We've bought 6 items from them over the years.
by DTSC
Sun May 14, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 11609

Re: Was there a $$$ number after which things got easier?

It got a lot easier after my mortgage = $0
by DTSC
Thu May 11, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 22350

Re: Why save so much for when you're old?

Thanks for all the feedback. It seems like my perspective of middle/old age life is grimmer than what it is in reality. It's great to hear that people are able to find a balance and I'm super glad I'm starting to save already. Cheers. Getting older SUCKS! Except the alternative (dying young) is eve...
by DTSC
Mon May 08, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 9479

Re: Stay home with kids?

Pajamas wrote:
DTSC wrote:I'd have to go on Prozac or drink excessively.
Por que no los dos? :beer
Will gain too much weight!
by DTSC
Mon May 08, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Hit 2M Net worth - Wanted to pass my gratitude to all wonderful people in this forum
Replies: 37
Views: 10384

Re: Hit 2M Net worth - Wanted to pass my gratitude to all wonderful people in this forum

Congrats!

$1M to $2M in just over 3 years! Very impressive!

Is it true that the first $1M is the hardest?
by DTSC
Sat May 06, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 9479

Re: Stay home with kids?

I've thought about this issue a lot lately. I don't have the amount of money you have, but I have accrued enough to work part time or retire frugally. I generally like my job, but it can be stressful and demanding. After some thought, I realized that I just don't have the patience and overall temper...
by DTSC
Thu May 04, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 4142

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

I don't have any experience with your wife's field, but many employers will cover educational expenses. Perhaps there is an office near the school that would accept her part-time, pay more than what her financial aid is covering, and keep her on for X years afterward in return for paying for the cl...
by DTSC
Thu May 04, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Two night trip
Replies: 9
Views: 1103

Re: Two night trip

Have you been to Madison? Can do outdoorsy things and still have fine dining, etc
by DTSC
Thu May 04, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 4142

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

What field is your wife planning to get her PhD in? Attempting a non-fully funded PhD is generally not viewed as a good idea. Indeed, its generally a horrible financial deal. And WHY is she getting a PhD? Career advancement? What field? What are the alternatives? Would a higher GRE score help her g...
by DTSC
Thu May 04, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 4142

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

Home equity loan might be a good option. You can deduct the interest. Also, see if your state has a 529 program. Sometimes you can cycle the home equity money through as a contribution and get tax benefits. For example, in Illinois, one can deduct up to $10,000 ($20,000 per couple) and save 3.75% of...
by DTSC
Wed May 03, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 24375

Re: Buying a luxury car (how dumb would it be to do this?)

Can you afford it? - Yes But if you have to ask "how dumb would it be to do this?" then you probably *shouldn't* Unless your university lets your children go there for free, $100,000 for college for 4 kids just isn't enough. Barely enough for 1 kid. And as you may well know already, you chances of g...
by DTSC
Wed May 03, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 6157

Re: My dad needs my help.

How about if you just leave things as they are for another 6-12 months, until his state of mind improves? Whatever you decide to do will still need his final approval, I suspect. Many here and elsewhere caution against making big decisions soon after a major life changing event. A divorce certainly ...
by DTSC
Tue May 02, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: I'm kinda sorta in the 2-comma club
Replies: 23
Views: 4382

Re: I'm kinda sorta in the 2-comma club

Congrats!

Report back here after $2M and let us know if the first million really is the hardest.
by DTSC
Thu Apr 20, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 47765

Re: Larry Swedroe says "Goodby."

Thank you for all you've done here. I will miss your contributions. Happy Retirement!
by DTSC
Sat Apr 15, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: How does family of 4 spend $1,500/mo on groceries?
Replies: 25
Views: 2513

Re: How does family of 4 spend $1,500/mo on groceries?

Our family of 2 adults and 3 children spends between $500-$600 per month. However, if we shopped a Whole Foods (which is actually the grocery store closest to our home) we could easily spend $1,500 per month. I suspect they by a lot of name brand prepared foods. Maybe a lot of "organic" foods Conver...
by DTSC
Sat Apr 15, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?
Replies: 11
Views: 997

Re: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?

You might have better luck if you go to a local brick-and-mortar bank and open an IRA *right now*
by DTSC
Thu Apr 13, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Where Do I Find a Financial Advisor?
Replies: 4
Views: 604

Re: Where Do I Find a Financial Advisor?

A better question is: Do I need a financial advisor?

Many Bogleheads here are DIYer's. Why don't you submit your portfolio questions here?
by DTSC
Thu Apr 13, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Please help me understand IRA
Replies: 8
Views: 896

Re: Please help me understand IRA

If the tax program says you can make a traditional IRA contribution, but it would not reduce your taxes, it most likely means your income is too high, especially if you contribute to a retirement plan at work see: https://www.irs.gov/retirement-plans/plan-participant-employee/2016-ira-contribution-...
by DTSC
Wed Apr 12, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me understand IRA
Replies: 8
Views: 896

Re: Please help me understand IRA

If the tax program says you can make a traditional IRA contribution, but it would not reduce your taxes, it most likely means your income is too high, especially if you contribute to a retirement plan at work see: https://www.irs.gov/retirement-plans/plan-participant-employee/2016-ira-contribution-a...
by DTSC
Thu Apr 06, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7957

Re: Secretly entered two comma club

Congrats on 2 comma and 2 kids! I am forever indebted to you as you helped me out as a newbie 9 years ago. Can I now give you a little suggestion? Don't watch your money so tightly! You are young (OK, at least your wife is young enough to reproduce) and you already have enough assets that many would...
by DTSC
Mon Mar 20, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: How to find and interview my new Advisor ?
Replies: 15
Views: 1528

Re: How to find and interview my new Advisor ?

How to find your new advisor?

Look in the mirror!