Search found 368 matches

by DoubleClick
Sun Jan 21, 2018 3:53 am
Forum: Personal Consumer Issues
Topic: Most inexpensive shipping option from US to Taiwan?
Replies: 5
Views: 411

Most inexpensive shipping option from US to Taiwan?

I need to ship a few small, lightweight packages from US to Taiwan. Think less than half a pound, and 6x3x3". I don't care how long it takes, but I do want this to including some basic tracking or delivery confirmation. What is the most inexpensive shipping option? USPS First Class International sho...
by DoubleClick
Thu Dec 07, 2017 5:23 am
Forum: Personal Finance (Not Investing)
Topic: Donating appreciated securities at Vanguard and bogleheads wiki
Replies: 3
Views: 415

Re: Donating appreciated securities at Vanguard and bogleheads wiki

Hmm, I might have answered a part of my own question. I was looking here and didn't find it: Change of ownership (life events) -> Give shares to an individual/organization However, I found a different, longer form here: Change owners -> Start -> Give shares or securities to an individual or organiza...
by DoubleClick
Thu Dec 07, 2017 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Donating appreciated securities at Vanguard and bogleheads wiki
Replies: 3
Views: 415

Donating appreciated securities at Vanguard and bogleheads wiki

https://www.bogleheads.org/wiki/Donating_appreciated_securities The article above says " If the charity does not wish to hold the fund, one of the options allows the charity to ask Vanguard to sell the fund and give it the proceeds in cash." This is what I am trying to do. However, the form that I s...
by DoubleClick
Mon Jul 31, 2017 3:26 am
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 128
Views: 31521

Re: What you wish you had known entering your late 20's

Find excellent people, make strong friendships, and nurture them for the rest of your life.
by DoubleClick
Fri Jul 21, 2017 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Kicking the net worth habit
Replies: 47
Views: 6104

Re: Kicking the net worth habit

When I'm retired, my most important metric is going to be something like: Number of nights in a tent + Number of days on the trail + Number of days on the beach + Number of days picking fruit in my orchard + Number of days in my trailer - Number of days spent calculating my net worth Well said, tha...
by DoubleClick
Mon Jul 10, 2017 3:43 am
Forum: Personal Consumer Issues
Topic: Excel 2010 and Windows 7 -- Where to go from here?
Replies: 39
Views: 3550

Re: Excel 2010 and Windows 7 -- Where to go from here?

I strongly recommend against option 3. I burnt my fingers trying that a while ago. Functionality is drastically reduced and different in many cases. Key board shortcuts are different. Not worth the aggravation.
by DoubleClick
Sun Jul 09, 2017 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to determine market rate salary
Replies: 7
Views: 1325

Re: How to determine market rate salary

Big companies are always interviewing candidates. I'd just find a few recruiters and do a couple of interviews. If you're open to interviewing, that implies you're open to a new position. Wouldn't you be, if you find out you can get paid 2x your current pay? I'd just say I was exploring new opportun...
by DoubleClick
Sun Jul 09, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Saving or being stingy?
Replies: 21
Views: 2938

Re: Saving or being stingy?

Danielvalerio506, you certainly see things differently from your relative. But do you have a specific question here?
by DoubleClick
Wed Jun 14, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Just married - start a joint taxable account?
Replies: 18
Views: 1879

Re: Just married - start a joint taxable account?

aristotelian wrote:
Gill wrote:
aristotelian wrote: Your money is her money now, anyway.
Oh, really? In what way? Legally, morally or otherwise?
Gill
Legally - If you get divorced, you each get half of the marital estate. You may be liable for each other's debts
Not true as a blanket statement. It varies by state. AFAIK.
by DoubleClick
Wed Jun 07, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 8084

Re: Housing is too expensive.

Job is not secure. Your job is not secure = rent. If and when 2007-08 comes around again, and you lose your job, the local housing market crashes, and you need to move to get new work, you'll be stuck with a mortgage for a house that's no longer worth anywhere near $625k. Stay light on your feet fo...
by DoubleClick
Wed May 31, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Cell Plan based on an atypical use pattern
Replies: 32
Views: 2356

Re: Cell Plan based on an atypical use pattern

https://ultramobile.com/flex

Unlimited voice and text, 250MB rollover data.
$11.50/month if you prepay for 4 months.

T-Mobile mvno
by DoubleClick
Wed May 31, 2017 3:57 am
Forum: Personal Consumer Issues
Topic: Wire fee charged by receiving bank.
Replies: 28
Views: 3556

Re: Wire fee charged by receiving bank.

I've been in similar situations, and this one strongly rubs me the wrong way too. BoA's move here is that of a jerk.

But my experience has been that it's very difficult to resolve this the "right way" especially when Schwab views this as a customer satisfaction issue and not one of principle.
by DoubleClick
Fri May 26, 2017 3:31 am
Forum: Personal Finance (Not Investing)
Topic: Risky to ask for raise with another offer?
Replies: 28
Views: 2995

Re: Risky to ask for raise with another offer?

WildBill wrote:I have been on the receiving end of this several times from employees.
If you don't mind my asking, what industry are you in?
by DoubleClick
Sat May 20, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Nothing else to do investment wise!
Replies: 23
Views: 4086

Re: Nothing else to do investment wise!

Now that we are finally invested in bogglehead style with a three fund portfolio and everything on auto investing, I feel like I need to do something about my portfolio. I understand that tinkering with a set allocation and IPS is dangerous so I always retreat. What else you do in a situation like ...
by DoubleClick
Sun Apr 30, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Lowest hassle, highest return way to buy real estate in a far-away location for use as a hedge?
Replies: 16
Views: 2330

Re: Lowest hassle, highest return way to buy real estate in a far-away location for use as a hedge?

I am thinking about buying real estate since I see a loan as a "force multiplier" versus investing everything in the stock market (I would still be maxing out my retirement accounts). For example, a 20% increase on a 1 million home is $200k, but 20% increase on my stock market balance is just 40k. ...
by DoubleClick
Sun Apr 30, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance? How much to get? How much do people have?
Replies: 8
Views: 1053

Re: Auto Insurance? How much to get? How much do people have?

With your future income stream, and driving under extreme sleep deprivation in your future, you probably ought o get an umbrella policy. Or better yet, being a doctor and all, protect the lives of us others on the road, and not just your patients, by never driving under extreme sleep deprivation. U...
by DoubleClick
Sun Apr 23, 2017 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Baby on the way checklist
Replies: 34
Views: 3856

Re: Baby on the way checklist

Congrats! There are several baby checklist threads going by memory. Did you search? Example:

viewtopic.php?t=128310
by DoubleClick
Sat Apr 22, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Moving... and U-haul trucks are expensive!
Replies: 25
Views: 3613

Re: Moving... and U-haul trucks are expensive!

Rent a pickup truck from a car rental company like enterprise. There is no mileage charge for those.
by DoubleClick
Wed Apr 19, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: CA State Tax Refund ~ 3 Month Processing Time
Replies: 19
Views: 3759

Re: CA State Tax Refund ~ 3 Month Processing Time

TheEternalVortex wrote:I called and they said I have to wait twelve weeks. Meh
Whoa.

Thanks, this saves me (and CA) a call.
by DoubleClick
Wed Apr 19, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: CA State Tax Refund ~ 3 Month Processing Time
Replies: 19
Views: 3759

Re: CA State Tax Refund ~ 3 Month Processing Time

I'm yet to receive mine: We received your 2016 California Income Tax return on:Wednesday, March 8, 2017. We are taking longer than expected to process your return. Interestingly, I mailed this on Mar 11 ! Didn't know first class mail could be this fast :shock: . I have a large refund due. Should I p...
by DoubleClick
Tue Apr 18, 2017 3:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard HSA for me? Best implementation?
Replies: 7
Views: 1087

Re: Vanguard HSA for me? Best implementation?

*3!4!/5! wrote:There is no such thing as a "Vanguard HSA". It does not exist.
+1.

https://personal.vanguard.com/us/whatwe ... lthsavings

OP, not sure what you mean. Are you perhaps talking about buying vanguard funds inside an HSA account with with some other provider?
by DoubleClick
Fri Apr 14, 2017 2:32 am
Forum: Personal Finance (Not Investing)
Topic: How "safe" is our/my money?
Replies: 6
Views: 1406

Re: How "safe" is our/my money?

One easy safety-increasing feature banks could provide is a separate read only login. Many logins are read only. Modify-capable logins could be a lot more stringent. E.g., triple factor. Read only logins would also allow giving your credentials to aggregator sites
by DoubleClick
Mon Apr 10, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Are mutual funds better than ETF`s in a taxable account with no selling at all
Replies: 13
Views: 1500

Re: Are mutual funds better than ETF`s in a taxable account with no selling at all

My understanding is, this difference does not apply to vanguard ETFs and mutual funds in particular, since they share each others' benefits.
by DoubleClick
Thu Apr 06, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 5385

Re: Packing cubes for travel

Never heard of these so I had to look them up. How is any better than just packing the clothes into the suitcase? Seems like it's an extra step to pack the clothes into the little container and the put that into the suitcase. Now to get dressed you have to open up each individual container to get a...
by DoubleClick
Wed Mar 22, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: How do I share internet with my neighbor?
Replies: 17
Views: 1885

Re: How do I share internet with my neighbor?

misterno wrote:I live in a remote area so there is a oligopoly of ISPs where I live and thus very expensive.
Lucky you. In most other places, remote or not, it is effectively monopolies.
by DoubleClick
Mon Mar 13, 2017 3:25 am
Forum: Personal Finance (Not Investing)
Topic: To buy or rent?
Replies: 25
Views: 3199

Re: To buy or rent?

. People do tell me to buy to lock in the low interest rates (chance of a lifetime?). People always say this, and twenty other reasons why buying now is a chance of a lifetime, and you'll regret not doing so. Reality is way more complex. Prices may go up to compensate for the low interest rates, or...
by DoubleClick
Wed Mar 08, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 5983

Re: Safest way to encrypt pdf tax documents to send via email?

Pdfrider.Codeplex.com

Free, open source, will encrypt pdfs. Nothing special needed on the recipient's side.
by DoubleClick
Thu Mar 02, 2017 2:23 am
Forum: Personal Finance (Not Investing)
Topic: How much are independent contractors really taxed?
Replies: 48
Views: 4895

Re: How much are independent contractors really taxed?

JoMoney, I wouldn't be surprised if one could work out a very specific scenario what you said is plausible, but that is precisely my point: a whole bunch of narrow conditions would need to hold for your taxes to exceed many other states by a potentially small margin. You'd have to earn around $55k i...
by DoubleClick
Sun Feb 26, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: How much are independent contractors really taxed?
Replies: 48
Views: 4895

Re: How much are independent contractors really taxed?

When I was living in California, I was looking at doing some part time work as an independent contractor in addition to my normal day job that already put me at the top of the 25% federal tax bracket. For each additional dollar I earned it would have been 25% Federal Tax + 15% Self Employment (FICA...
by DoubleClick
Fri Feb 24, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 4493

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" thing that...
by DoubleClick
Thu Feb 16, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: I may be a workaholic?
Replies: 24
Views: 2827

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: 6516

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: 12
Views: 2034

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: 12
Views: 2034

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: 12
Views: 2034

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: 12
Views: 2034

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. Could you please exp...
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: 6162

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: 914

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: 914

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: 914

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: 7080

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: 5666

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: 10103

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: 10103

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: 2483

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 or carry...
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: 1382

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: 1382

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 question, this is...
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: 1382

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 charity. Thanks...
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: 1382

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?