Search found 339 matches

by DoubleClick
Fri Feb 24, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3313

Re: Ethical dilemma involving birthdays and wine..

(For the younger generation, a check is used like a debit card, except it's paper, one-time use, and you have to write the transaction amount on it. The good news is that more humans can accept a check than can accept a debit card.) Hmmm.....intriguing. And what exactly is this "writing" ...
by DoubleClick
Thu Feb 16, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: I may be a workaholic?
Replies: 24
Views: 2066

Re: I may be a workaholic?

What triggered you to post this? Is it an inner voice saying that there may be more to life than work? If so, do you have a sense of how you can follow that voice to see where it leads?
by DoubleClick
Tue Feb 07, 2017 3:55 am
Forum: Investing - Theory, News & General
Topic: Too good to be true? [Bogleheads' model of index investing]
Replies: 48
Views: 5622

Re: Too good to be true?

Index investing is "average" by definition. Far from too good to be true :).
by DoubleClick
Sun Feb 05, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP Tax Rates [Employee Stock Purchase Plan]
Replies: 10
Views: 874

Re: ESPP Tax Rates [Employee Stock Purchase Plan]

http://fairmark.com/execcomp/espp/qualifying.htm Lesser of the starting price * discount % or the actual profit. Wow, thank you for pointing this out again. My understanding is much better now. Thus far, I had taken mental shortcuts which now I realize made the assumption that the ending price woul...
by DoubleClick
Sun Feb 05, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP Tax Rates [Employee Stock Purchase Plan]
Replies: 10
Views: 874

Re: ESPP Tax Rates [Employee Stock Purchase Plan]

Ok, I still don't get tfb's calculations. Why is W2 income $4.50 per share? For a qualifying disposition, shouldn't it be just the discount off the price at time of purchase, which is $1.50 (10 - 8.50) ?
by DoubleClick
Sun Feb 05, 2017 2:04 am
Forum: Personal Finance (Not Investing)
Topic: ESPP Tax Rates [Employee Stock Purchase Plan]
Replies: 10
Views: 874

Re: ESPP Tax Rates [Employee Stock Purchase Plan]

Thanks tfb, appreciated! I'm confused as to why you are taxed 15% on $30, so I guess I need to read up some more.
by DoubleClick
Sun Feb 05, 2017 12:23 am
Forum: Personal Finance (Not Investing)
Topic: ESPP Tax Rates [Employee Stock Purchase Plan]
Replies: 10
Views: 874

Re: ESPP Tax Rates [Employee Stock Purchase Plan]

If you sell immediately and then hold, only the price appreciation after $30 is long-term gain. By "then hold" here, you mean, hold an index fund instead of the company stock, right? I'm confused by the "sell, then hold" part... If the price was down, holding can make it worse. ...
by DoubleClick
Fri Feb 03, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4609

Re: GF has long commute, should we buy a house to avoid long commute?

b42 wrote:Is another option to rent a place closer to her work, then look into buying a home?


+1. Why aren't you considering this?
by DoubleClick
Fri Jan 27, 2017 1:21 am
Forum: Investing - Help with Personal Investments
Topic: My 401k fees - worth it?
Replies: 6
Views: 631

Re: My 401k fees - worth it?

It depends on what your overall allocation is and if you need those options in your old 401k to implement it. If you just want a three-fund portfolio, or you have half a million in taxable and Roth IRA assets, you can probably transfer to your new 401k and save the $80 a year. If you are slicing an...
by DoubleClick
Thu Jan 26, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k fees - worth it?
Replies: 6
Views: 631

Re: My 401k fees - worth it?

I'm not considering an IRA because of potential backdoor Roth.
by DoubleClick
Thu Jan 26, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k fees - worth it?
Replies: 6
Views: 631

My 401k fees - worth it?

So I still have some money left at a previous employer's 401k. They charge fees of about $80 on close to $100k I have there. This is like a 0.08% ER. However, the choice of funds is excellent, including many low ER commission free ETFs including an REIT which I currently use. My other option is to r...
by DoubleClick
Fri Jan 13, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Door lock actuators: am I getting fleeced?
Replies: 31
Views: 4338

Re: Door lock actuators: am I getting fleeced?

mmmodem wrote:Its finicky work to install actuators. On my 1998 Corolla, I chose to use the key. The double twist of the key unlocks the all the doors. Problem solved.


The double twist uses the actuator as well. Disconnect the battery and try the double twist and you'll see it doesn't work.
by DoubleClick
Thu Jan 12, 2017 5:19 am
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 4186

Re: Keeping kitchen knives sharp

It took me a while to realize that 95% of knife maintenance is not sharpening (involves taking metal off) but honing (no metal taken off, only straightened). I hone quickly almost every session, and my knifes are extremely sharp all the time. I now sharpen about once a year. https://www.amazon.com/g...
by DoubleClick
Tue Dec 13, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 8810

Re: Well, just got first pair of golden handcuffs

You must remember now that your tax situation may change - salary, bonus and now if you exercise the RSU you could trigger AMT causing you to pay more taxes ! I don't see how. RSUs have nothing to do with AMTs that regular income doesn't . I think you're thinking about ISOs, not RSUs. The latter si...
by DoubleClick
Tue Dec 13, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 8810

Re: Well, just got first pair of golden handcuffs

You must remember now that your tax situation may change - salary, bonus and now if you exercise the RSU you could trigger AMT causing you to pay more taxes ! I don't see how. RSUs have nothing to do with AMTs that regular income doesn't. I think you're thinking about ISOs, not RSUs. The latter sim...
by DoubleClick
Sun Dec 04, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Merkur Safety Razor = money saved
Replies: 25
Views: 1772

Re: Merkur Safety Razor = money saved

4. I fly with the razor empty (no blade), but put a blade somewhere in my suitcase. Once had TSA go through my belongings & I had to take the razor apart & show there were nothing hidden in the handle or head. I don't think the guy had ever seen a DE razor before. Is your suitcase check in ...
by DoubleClick
Sat Dec 03, 2016 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 896

Re: Walk me through donating appreciated shares (tax question)

Also, I think one should use the DAF as a conduit to charity and not keep assets in it. So with a $5,000 minimum initial contribution to a DAF and a 0.60% fee, that is just $30 a year fee. If one is dealing with $100 to $500 amounts occasionally, then a DAF is not for them. And giving $500 worth of...
by DoubleClick
Sat Dec 03, 2016 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 896

Re: Walk me through donating appreciated shares (tax question)

I think it is a mistake to characterize the expense ratio of legit DAF's as staggering. Also diffrent DAFs have different minimums. What do you consider "quite high"? You can become the volunteer accountant for . Great, that's what I was looking for, thanks! To answer your earlier questio...
by DoubleClick
Sat Dec 03, 2016 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 896

Re: Walk me through donating appreciated shares (tax question)

Thanks, but a) the minimums for a DAF are quite high, and b) the expense ratio is staggering. I think it is a mistake to characterize the expense ratio of legit DAF's as staggering. Also diffrent DAFs have different minimums. What do you consider "quite high"? You can become the volunteer...
by DoubleClick
Sat Dec 03, 2016 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 896

Re: Walk me through donating appreciated shares (tax question)

Call up charity and talk to them. If they say, "We don't accept donations of shares because we don't know how to receive them", then one can open a donor-advised fund at Fidelity or elsewhere and donate the shares to the newly opened DAF. Then one can have the DAF donate cash to the chari...
by DoubleClick
Sat Dec 03, 2016 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 896

Re: Walk me through donating appreciated shares (tax question)

I don't know if the OP was asking this, but what is the procedure to donate appreciated stock to a charity, particularly if the charity doesn't know how to receive it?
by DoubleClick
Sat Nov 26, 2016 5:50 am
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 6568

Re: Long ethernet cable or wireless?

I like KlangFool's suggestion to use MAC address filter. I considered doing that in the past, but as indicated in another post, MAC addresses are easy to spoof. I've heard that argument before and yet nothing quantitative on the ease of spoofing. I mean, HOW easy are MAC addresses to spoof? Extreme...
by DoubleClick
Fri Nov 25, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 76
Views: 7580

Re: H&R Block Tax Software for 2016

H&R used to have a barebones dollar store version. Do they still? Would be useful for year end fine tuning.
by DoubleClick
Thu Nov 10, 2016 1:22 am
Forum: Personal Consumer Issues
Topic: Wife's Colleague Scratched our car with his car
Replies: 30
Views: 3990

Re: Wife's Colleague Scratched our car with his car

You to get the money but using it to fix the car is your choice.
by DoubleClick
Thu Nov 03, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: HSA last month rule
Replies: 2
Views: 518

Re: HSA last month rule

Thanks for confirming, Pajamas.

That would be a good reason, but then why make it dependent on the succeeding 12 months, and why make contributions prorated in the absence of the last month rule would be my question.
by DoubleClick
Wed Nov 02, 2016 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA last month rule
Replies: 2
Views: 518

HSA last month rule

I've been under a non hdhp plan for all of this year, and will be in an HSA eligible hdhp plan for December only. My reading of the last month rule is that if I continue that coverage through the end of next December - that is, 13 months at least, then I can contribute the full eligible HSA amount i...
by DoubleClick
Sat Oct 22, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 6491

Re: Cheapskate for not flying business class?

warowits put it very well. One thing to add: there's always the possibility that a decade or two down the line, your body would truly appreciate and may even require business class, at which point it may be much more justified. Until then, I would be so thankful to be able to enjoy coach and instead...
by DoubleClick
Fri Oct 14, 2016 3:33 am
Forum: Personal Finance (Not Investing)
Topic: My tax situation, looking for advice or for someone to take a look at it
Replies: 40
Views: 3617

Re: My tax situation, looking for advice or for someone to take a look at it

I own a house, pay taxes, interest, and have depreciation, but I also report about +$5000 cash income for my wife based on her personal work/etc. Gamma Ray, Your wife could start an individual 401K account and contribute the whole $5,000 income. Hence, none of this is taxable. I just save you $1,90...
by DoubleClick
Thu Oct 13, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Southwest...getting the miles by year end
Replies: 30
Views: 2735

Re: Southwest...getting the miles by year end

Square or PayPal account and an optional card reader: charge yourself $17k. Less than $500 in fees. Interesting, did not know you could do that. Yea. Definitely do not do that unless you can stomach the possibility that they would hold your money hostage for undisclosed amounts of time. I don't use...
by DoubleClick
Thu Oct 13, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Southwest...getting the miles by year end
Replies: 30
Views: 2735

Re: Southwest...getting the miles by year end

Square or PayPal account and an optional card reader: charge yourself $17k. Less than $500 in fees.
by DoubleClick
Sun Oct 09, 2016 2:16 pm
Forum: Investing - Theory, News & General
Topic: Dilbert Sums Up Exactly How I feel at times
Replies: 34
Views: 4720

Re: Dilbert Sums Up Exactly How I feel at times

The reason this clip is NOT good is because it assumes Dilbert knows what all the WRONG things are (investing-wise) but yet doesn't know what are the right things to be doing instead. I'm sure Dilbert knows the right things investing wise. He just doesn't know how to resolve his awkward workplace o...
by DoubleClick
Sat Sep 24, 2016 1:43 pm
Forum: Investing - Theory, News & General
Topic: How can markets be efficient if home prices are higher in the spring?
Replies: 50
Views: 2397

Re: How can markets be efficient if home prices are higher in the spring?

It just seems very fishy to me whenever anyone says "Oh, if you wait a few months, you can [statistically, historically] sell this object for more money than you could right now." Beware of the implied assumption there that the overall real estate market (unrelated to time of the year) wo...
by DoubleClick
Fri Sep 23, 2016 7:10 pm
Forum: Investing - Theory, News & General
Topic: How can markets be efficient if home prices are higher in the spring?
Replies: 50
Views: 2397

Re: How can markets be efficient if home prices are higher in the spring?

It just seems very fishy to me whenever anyone says "Oh, if you wait a few months, you can [statistically, historically] sell this object for more money than you could right now." Beware of the implied assumption there that the overall real estate market (unrelated to time of the year) wo...
by DoubleClick
Thu Sep 22, 2016 2:42 am
Forum: Personal Finance (Not Investing)
Topic: Stay a 1099 contractor or incorporate?
Replies: 18
Views: 1636

Re: Stay a 1099 contractor or incorporate?

If your account it is worth their salt, then ask for an estimate of exactly how much you would save by incorporating and exactly how.

I'd then find out the accountants interest in your incorporating. How much do they get to charge you for it every year?
by DoubleClick
Tue Sep 20, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: Losing cell phone memory; not sure why or how to stop it!
Replies: 15
Views: 1602

Re: Losing cell phone memory; not sure why or how to stop it!

You're looking for a solution, but what is the problem? Apps cache what they need to speed things up. If memory fills up and they cannot cache, the system will manage things by kicking out unused cache parts. There's going to be no real problem. If you use it for "just the basics," you sho...
by DoubleClick
Mon Sep 12, 2016 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in Roth IRA? New to investing in mid-30s
Replies: 10
Views: 1044

Re: What to put in Roth IRA? New to investing in mid-30s

Really doesn't matter what you put in, because you can change it at any time without tax consequences. Pick, say, S&P index fund, or a Vanguard REIT or a Bond fund. Next year, when you have a better view of your finances, you can do asset allocation and asset location.
by DoubleClick
Mon Sep 12, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: Copper tubing - the joke is on me!!
Replies: 6
Views: 1330

Re: Copper tubing - the joke is on me!!

Well, if the screw you have loose is a copper screw, the joke is on them! Err wait....
by DoubleClick
Mon Sep 12, 2016 2:05 am
Forum: Personal Consumer Issues
Topic: 2006 mazda miata for daughter, 42k miles, $10k?
Replies: 64
Views: 4647

Re: 2006 mazda miata for daughter, 42k miles, $10k?

I own a Miata and I would advise you to not buy one for your daughter. 1) Too small (size matters in an accident) 2) Manual transmission (Once she is a confident driver a few years down the road, then teach her to drive a manual) 3) Rear wheel drive (More difficult for a new driver to control, espe...
by DoubleClick
Sun Sep 11, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 4575

Re: map frustration

In my area, quite a few people either have a plain phone or no phone. There are large parts of the surrounding counties (less than two hours from DC) that have either no data service or no cell service at all -- my house is in one of those areas. Even very close to DC, there are parts of Montgomery...
by DoubleClick
Sun Sep 11, 2016 1:04 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 10357

Re: So being 40 is "old" in the high tech business?

dcabler wrote:- A program manager (PM) typically


Very informative post, thanks!
by DoubleClick
Sat Sep 10, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 10357

Re: So being 40 is "old" in the high tech business?

On the outside looking in (I'm not in a tech field, just overall business field), but I have to ask - why aren't more people in the tech sector, contractors? In today's era where mutual loyalty has been tossed aside, there are no longer any pensions and healthcare can be obtained independently - wh...
by DoubleClick
Sat Sep 10, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 10357

Re: So being 40 is "old" in the high tech business?

dcabler wrote:A trend I see now is for good experienced engineers/managers to move into program/project management in our industry. At the moment, that seems to have some longevity.


Interesting. Would you mind expanding on what program/project management is and how it differs from just being a manager?
by DoubleClick
Sat Sep 10, 2016 3:00 am
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 10357

Re: So being 40 is "old" in the high tech business?

Older workers cost more than younger workers. Salaries are higher for senior engineers than junior engineers. Health insurance premium for a young worker is low. Young guys never go to the doctor. Insurance premium for men aged 50 or 65 is staggering. Older workers are typically paid more for their...
by DoubleClick
Fri Sep 09, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Extra money in acct
Replies: 11
Views: 643

Re: Extra money in acct

Print out the statements, wait until the money disappears, and then complain loudly. :wink:
by DoubleClick
Fri Sep 09, 2016 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Extra money in acct
Replies: 11
Views: 643

Re: Extra money in acct

ResearchMed wrote:Yup.

The other option is to sell immediately, and then quickly move to Mars. :moneybag

Probably not worth disappearing for $500.

RM


OP said $500k. That's half a million dollars. I wouldn't rule out disappearing for half a million tax free :).
by DoubleClick
Fri Sep 09, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Prospective Employer Wants Salary History & Desired Salary
Replies: 265
Views: 20383

Re: Prospective Employer Wants Salary History & Desired Salary

As I wrote earlier in the thread, I like to know what someone is getting paid because I like to make offers that are easily accepted. This could also be done by asking what they want, rather than what they're getting paid. The former doesn't put them at a disadvantage. Say who? In a negotiation, wh...
by DoubleClick
Fri Sep 09, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 4575

Re: map frustration

It does not appeal to me to buy an expensive device that soaks me with a monthly fee just to get one feature that used to be basically free. Good point, but as of quite recently, the monthly fee part is not necessary any more. A new sub-$100 smartphone bought completely contract-free can run Google...
by DoubleClick
Fri Sep 09, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Prospective Employer Wants Salary History & Desired Salary
Replies: 265
Views: 20383

Re: Prospective Employer Wants Salary History & Desired Salary

As I wrote earlier in the thread, I like to know what someone is getting paid because I like to make offers that are easily accepted. This could also be done by asking what they want, rather than what they're getting paid. The former doesn't put them at a disadvantage. The latter does. Why then, in...
by DoubleClick
Fri Sep 09, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 4575

Re: map frustration

Yes, they seem to be optimizing it for phones and tablets. However, Google maps can be customized to some extent. It may be too much effort currently, but may become easier in the future.

https://snazzymaps.com/
http://www.hongkiat.com/blog/google-maps-styles/
by DoubleClick
Fri Sep 09, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Prospective Employer Wants Salary History & Desired Salary
Replies: 265
Views: 20383

Re: Prospective Employer Wants Salary History & Desired Salary

It is very interesting to read this thread. It is a bit different in academia, at least, when negotiation is done at the departmental level. We typically be very honest with the candidate and just offer the max. Academia typically pays far less than the industry particularly in STEM, and the number...

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