Search found 239 matches

by HopeToGolf
Sun Jan 15, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Does it sound like my employer trying to push me out?
Replies: 53
Views: 4329

Re: Does it sound like my employer trying to push me out?

There are bigger picture and more important questions you should ask yourself regarding career aspirations and whether this role and company can help you fulfill them. However, I would be concerned if I were in a smallish department and not one but two colleagues were promoted around me, I felt equa...
by HopeToGolf
Sat Jan 07, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 179
Views: 10861

Re: Annual Vacation Budget

Way less than we should (or want). It depends on the year but probably $5K-$10K. We have trouble scheduling them between the kid's schedule (school and sports) and a two career family (limited vacation time and work demands creating conflicts when the rest of the family is free to travel). We are ac...
by HopeToGolf
Sat Dec 31, 2016 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Gratification In Life & its fallacies
Replies: 56
Views: 5706

Re: Delayed Gratification In Life & its fallacies

Sat24 What do you do for a living? I think what you see on Bogleheads is a bit more complex than your post implies. You are right, there is some % of the group that delays gratification. I also believe there are many who want to retire early, save for future expenses (like needing to take care of an...
by HopeToGolf
Sat Dec 31, 2016 7:07 am
Forum: Personal Consumer Issues
Topic: Turbotax 2016 Fed & State Download $39.95
Replies: 5
Views: 792

Re: Turbotax 2016 Fed & State Download $39.95

I have been using Online version. Any difference with Download or Desktop version? It's been a few years since I looked at the online version but at one point it did not allow me to see the forms. The download version provided more flexibility to jump out of the interview style and into forms in or...
by HopeToGolf
Thu Dec 29, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13376

Re: How old is your vehicle?

I drive a 2008 Toyota while people who reported to me drive BMWs. I secretly called them "the clueless". :sharebeer I never called my employees clueless but I did find it interesting that generally they drove cars that ranged in value at the time from $30K-$80K ($40K-$100K new) and mine w...
by HopeToGolf
Wed Dec 28, 2016 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 122
Views: 15720

Re: Fidelity free Turbotax

To get to my free Turbo Tax Premier offer, I had to revert to the typical/old Summary view where I saw the following, roughly, in the middle of the scrolled page: <snip> Yes, this is at least the second time this has been mentioned, but the problem is how to get to the "old" Summary view....
by HopeToGolf
Wed Dec 28, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 10750

Re: At what age, income, and NW would you buy a $50k car?

This thread makes Bogleheads look silly. The only question is whether or not the OP appreciates cars. It is not a financial question. With $100K in expenses, buy the damn car and pay cash. If you are a car guy/gal you've aimed your sights way too low at at $50K...that's child's play. Let's hear abou...
by HopeToGolf
Wed Dec 28, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 122
Views: 15720

Re: Fidelity free Turbotax

Last year I started a thread on this and was looking for the offer this year but it is a bit buried depending on your start screen. My start screen was the "streamlined" Summary view. There was no sign of the offer there. In the Tax section of the Accounts &Trade tab, I see the $20 off...
by HopeToGolf
Wed Dec 28, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: too aggressive with college saving for the kids?
Replies: 15
Views: 2289

Re: too aggressive with college saving for the kids?

We are going with a mixed approach. We are saving enough in the 529 to cover, roughly, 100% of our flagship public university tuition (equivalent to 50% private). Any remaining tuition needs will likely be paid in the following order (income and financial situation dependent), cash flow-taxable inve...
by HopeToGolf
Tue Dec 27, 2016 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Collections On A Hospital Bill
Replies: 1
Views: 472

Re: Collections On A Hospital Bill

Others will likely provide more specific information. At a minimum, call the state/city agency that ran the program and see if they can help. Additionally, many states have an agency that assists seniors...ask them for help. That said, fight it tooth and nail. I had an issue with an ER coding treatm...
by HopeToGolf
Tue Dec 27, 2016 5:09 am
Forum: Personal Finance (Not Investing)
Topic: How do you plan for retirement?
Replies: 32
Views: 2851

Re: How do you plan for retirement?

Mixture of both. Early in my career I tried to save up to the employer match in the 401k and then a bit more on the side (taxable account). I went for balance here since I knew I would need money for expenses besides retirement. As I age and have more income I generally save as much as I can with go...
by HopeToGolf
Mon Dec 26, 2016 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Am I being smart with this car purchase?
Replies: 58
Views: 4752

Re: Am I being smart with this car purchase?

Since the car is already ordered I'm guessing you are stuck with it. Given that you expect to keep it for a decade I don't think it is a terrible purchase. That said, look at your expenses and figure out why you didn't max your retirement savings. With your income, 401Ks (or the equivalent) and Roth...
by HopeToGolf
Thu Dec 15, 2016 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 8702

Re: Well, just got first pair of golden handcuffs

Congratulations! Since I have a vesting schedule that spans years, I always viewed RSUs and performance shares as deferred compensation and a retention tool. While I provided the labor to the company, I did not receive the compensation at the same time the input was provided. The shares have retenti...
by HopeToGolf
Sun Dec 11, 2016 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Do you have a preferred approach to making the max Roth IRA contributions?
Replies: 30
Views: 1511

Re: Do you have a preferred approach to making the max Roth IRA contributions?

OP I think it makes sense to borrow from your E-fund to make the contribution. You've saved a ton despite being a federal employee with a pension on the horizon. This shows that you know how to handle money. Additionally, if there was an emergency and you were a little underfunded, you can withdraw ...
by HopeToGolf
Fri Dec 09, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: HELP: salary negotiation
Replies: 17
Views: 2251

Re: HELP: salary negotiation

It appears much of the issues are related to your current position. If the role is what you want, why not try to negotiate? Is there a downside?
by HopeToGolf
Thu Dec 08, 2016 1:56 am
Forum: Personal Finance (Not Investing)
Topic: HELP: salary negotiation
Replies: 17
Views: 2251

Re: HELP: salary negotiation

The advice you received is good.

Just curious, did you tell them your current compensation before they made the offer?
by HopeToGolf
Wed Dec 07, 2016 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Spouses and spending styles...
Replies: 53
Views: 5600

Re: Spouses and spending styles...

It sounds like you and the wife need to write down your goals and timelines and share philosophies. Your job sounds secure and if you were notified that you lost your job, at worst, you will have 6 months to bring your EF back to the existing level. Additionally, your EF goal of $40K is great but it...
by HopeToGolf
Wed Dec 07, 2016 4:53 am
Forum: Personal Finance (Not Investing)
Topic: Hidden Costs of potential new job
Replies: 9
Views: 1374

Re: Hidden Costs of potential new job

1) create a detailed budget on a spreadsheet and be sure to account for taxes and savings. This budget should not include OT. Yes, your friends budget and spent their OT but you should use it to boost savings, save for future expenses, etc. 2) look at the school calendar and figure out who will be c...
by HopeToGolf
Sun Dec 04, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: Merkur Safety Razor = money saved
Replies: 25
Views: 1701

Re: Merkur Safety Razor = money saved

I made the switch about 4 years ago. I wish I had done it 20 years sooner. The only downside is the razors and shaving soaps/creams last so long that I can't tinker with different products without waste.

I bought a sampler pack of blades when I bought my Merkur and it lasted 2 years....literally.
by HopeToGolf
Sun Nov 27, 2016 6:10 am
Forum: Investing - Help with Personal Investments
Topic: IRA for adult children?
Replies: 50
Views: 4256

Re: IRA for adult children?

Good thread. Nothing to add but good luck and thanks for posting for the rest of us. Silly me for thinking when my offspring is older it will be as simple as saying "open a Roth IRA in your name, I'll put some money in it....here's the Boglehead way of investing." Raising kids is tough. I ...
by HopeToGolf
Sun Nov 27, 2016 5:55 am
Forum: Investing - Help with Personal Investments
Topic: I've been leaving money on the table (401k)
Replies: 21
Views: 4446

Re: I've been leaving money on the table (401k)

This year and last year we have left matching money on the table it is hard to plan around DH's bonus. Last year we didn't know that 401k contributions were taken out of the bonus, and this year he got much more than his projected bonus, so we are hitting $18k before his last 2 paychecks. It's frus...
by HopeToGolf
Thu Oct 27, 2016 3:36 am
Forum: Personal Consumer Issues
Topic: Family Calendar
Replies: 19
Views: 1377

Re: Family Calendar

Google calendar should work. You have to decide whether or not you want the family events in Outlook. One option is to have the owner of a Google calendar initiate a calendar entry and invite everyone to the event (including you via your Outlook address). This works in reverse as well, you can invit...
by HopeToGolf
Sat Oct 22, 2016 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 183
Views: 21688

Re: Chase Sapphire Reserve

Two questions on the travel credit: 1) do you have to spend first to get the travel credit? 2) if you don't use your travel credit within a calendar year, can you roll it forward to next year? I'm assuming the answer is no. 1) Not exactly sure what you mean but yes, you spend on a travel related it...
by HopeToGolf
Thu Oct 06, 2016 4:31 am
Forum: Personal Consumer Issues
Topic: Odd question regarding vehicle negotiations
Replies: 17
Views: 1694

Re: Odd question regarding vehicle negotiations

You guys are way over my head on this one. It's pretty funny. I'm no lawyer but even if there was no counteroffer and the OP later was asked for a check and he said he changed his mind, I would venture a guess that no court in the U.S. would make him complete the sale. This is as simple as issues g...
by HopeToGolf
Sun Oct 02, 2016 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 107
Views: 15278

Re: TDBank promo just started easy $600

Bonus cleared. Now I have to get the $$$ out without a penalty. I haven't figured out if it is worth it. I opened an account and then suggested to the wife she should as well and she said "sure, you can open an account under my name, I'm not wasting my time." I get that money is fungible ...
by HopeToGolf
Sun Oct 02, 2016 8:13 am
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 107
Views: 15278

Re: TDBank promo just started easy $600

Bonus cleared. Now I have to get the $$$ out without a penalty. I haven't figured out if it is worth it. I opened an account and then suggested to the wife she should as well and she said "sure, you can open an account under my name, I'm not wasting my time." I get that money is fungible a...
by HopeToGolf
Mon Sep 26, 2016 4:09 am
Forum: Personal Finance (Not Investing)
Topic: Expat: Losing job and moving back to US
Replies: 10
Views: 1596

Re: Expat: Losing job and moving back to US

Update or create a great LinkedIn profile Tell everyone you know that you are looking (network) Negotiate hard with your existing company If the location you plan to move to has a plethora of jobs and companies in your industry then moving in December and renting a home and looking for a job should ...
by HopeToGolf
Tue Sep 13, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12687

Re: Who is ready for iphone 7?

Understand that over here there would be skeptics, but this is the real deal in terms of trade-in. Hit the $650 trade-in for the iphone 6 on my wife's phone, when I was actually only calling to upgrade my daughter's phone. In her case, she has a 5C for which they were offering an equally absurd reb...
by HopeToGolf
Sun Aug 21, 2016 4:14 am
Forum: Investing - Help with Personal Investments
Topic: Are we there yet?
Replies: 34
Views: 5248

Re: Are we there yet?

Have you modeled the impact of taxes on your withdrawals? I think you can probably call it quits but your $60K-$70K expense estimate is after tax so just a little deceptive. I would make a spreadsheet that shows from which bucket the money comes each year and how much you pay in taxes. At your age y...
by HopeToGolf
Sat Aug 20, 2016 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Is retirement possible?
Replies: 8
Views: 1772

Re: Is retirement possible?

It appears you can pull the parachute now. Congratulations. One very important part of your plan is ensuring you have a good handle on your expenses (including healthcare and taxes). That said, because of your income I think taxes should be very low in retirement and you probably would qualify for A...
by HopeToGolf
Sun Aug 14, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 6592

Re: Joint Accounts - How do you use it?

If you used you need a budget (ynab) it would allow you to have "virtual spening accounts" without actually having to maintain a bunch of different accounts. I tried YNAB for about a year, it taught me one way to think about budgeting, which was good and I am grateful for the learning. Bu...
by HopeToGolf
Sat Aug 13, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 6592

Re: Joint Accounts - How do you use it?

Sounds about right. Our system is a bit more complex but over time you will figure out the nuances that work for your marriage. For example, if one of you is a saver/careful spender, a separate brokerage account to buy a few shares to allow for growth before eventual spending may work. You will have...
by HopeToGolf
Sat Aug 13, 2016 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Debt at Sacrifice of Leisure?
Replies: 77
Views: 5743

Re: Payoff Debt at Sacrifice of Leisure?

Read sandi_k's post especially the part about the 3 accounts and spending money (ours, mine, yours). One recommendation that may help your wife is to tell her that the value she brings to your marriage is not her salary. My spouse is a well educated professional with a career. Despite us functioning...
by HopeToGolf
Sun Jul 31, 2016 5:28 am
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 7253

Re: New Tipping Practice?

Wow, a lot of you guys are really uptight and/or stingy with your money. OP even mentions they were at a "fast casual" location. I doubt the bill was more than $25. Are some of you really so stingy that you can't swing a few bucks for the staff? It has nothing to do with being stingy or t...
by HopeToGolf
Tue Jul 19, 2016 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation: good idea?
Replies: 11
Views: 1399

Re: Deferred Compensation: good idea?

Faced with a similar choice I am choosing not to defer. A few of the things I considered: 1) Time until retirement. (longer deferral means more benefit but more risk) 2) What happens if you leave or get severed. (paid out as a lump sum per my MegaCo) 3) Stability of the company. (MegaCo is stable bu...
by HopeToGolf
Sun Jul 10, 2016 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Kid
Replies: 63
Views: 6208

Re: Trust Fund Kid

Without being judgemental, try to talk to him about his plans. There are plenty of college graduates who can't find employment in their field and end up in minimum wage jobs. The fact that he dropped out and in one such job is not surprising especially when he could be doing nothing instead. How man...
by HopeToGolf
Tue Jul 05, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about son's finances/life
Replies: 41
Views: 8038

Re: Worried about son's finances/life

OK, I'll bite. Your son sounds like he has a good head on his shoulders. His qualifications sound interesting. If he's ready to go back to a more traditional job after his sabbatical and writing his book, send me his resume via PM. Long story short, some employers might value the way your child has ...
by HopeToGolf
Sun Jun 12, 2016 4:25 am
Forum: Personal Consumer Issues
Topic: Cats in yard, what to do?
Replies: 38
Views: 3362

Re: Cats in yard, what to do?

We called our local animal control....took care of all (yes all) of them in about 2 weeks.
by HopeToGolf
Fri Jun 10, 2016 4:11 am
Forum: Personal Finance (Not Investing)
Topic: Company Being Acquired - Any Advice?
Replies: 51
Views: 6336

Re: Company Being Acquired - Any Advice?

Read your RSU paperwork, all or a portion probably vest upon change of control. Deliver excellent results so current leadership sees you as one worth keeping. When interacting with the new company, be helpful and share information. As a corporate employee, prepare for a layoff. It may not come but b...
by HopeToGolf
Sat May 28, 2016 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Is the AMEX originial (old) Blue Cash worth keeping?
Replies: 11
Views: 1849

Re: Is the AMEX originial (old) Blue Cash worth keeping?

I ran a high level analysis using my annual statement and the old card gives me a rebate rate better than 2%. The fact that the card was discontinued (Amex didn't want to give anyone else the chance to have the card), my analysis was conservative, and I can continue to use it as my one card where it...
by HopeToGolf
Sun Apr 24, 2016 1:35 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 11678

Re: Any stay at home parents regret the decision?

'll start another thread where I find out what the SAH parents do all day when their kids are in school and the lawn people, handyman, house cleaner and other service providers are doing the "work." Eat bonbons by the pool, of course :oops: It sounds like a long time, but I was always ama...
by HopeToGolf
Sat Apr 23, 2016 5:05 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 11678

Re: Any stay at home parents regret the decision?

As one part of a dual career household, I see benefits that having a SAH parent could have offered. I don't know if either of us would have achieved even greater success with the ability to be more focused at work but I think it is a consideration. If you choose not to have a SAH spouse (I.e. Both w...
by HopeToGolf
Mon Apr 11, 2016 2:21 am
Forum: Personal Consumer Issues
Topic: How to use iPhone 5S in Europe on wifi only?
Replies: 28
Views: 2544

Re: How to use iPhone 5S in Europe on wifi only?

BTW, GPS will work in airplane mode. I just used Google maps for navigation in airplane mode outside the US by downloading the local area maps when I was connected to WiFi. That would not have worked if GPS was not active. Go into settings, put the phone into airplane mode and then turn on WiFi. Kee...
by HopeToGolf
Wed Apr 06, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 2022

Re: Which bank for ATM use outside the US?

I recently used Schwab checking and it was solid. I also used the risk reducing advice of reducing the amount in the account to what is needed and transfered the rest to another account (Schwab brokerage). I'll transfer the rest of the cash back into the account in a few weeks.
by HopeToGolf
Sat Apr 02, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Emergency Visit Bill
Replies: 28
Views: 3258

Re: Emergency Visit Bill

ER billing is opaque. My recommendation is to call the hospital and negotiate. I once received a bill containing charges that my insurance company would not cover. I complained over a few days and the hospital reduced the bill substantially but still a ridiculous amount. I was pretty upset at both m...
by HopeToGolf
Sat Apr 02, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 21358

Re: Tesla Model 3 anyone?

Reserved one at a store on 3/31. If the performance version can match a BMW M3/4 or Audi S4/5 I will likely buy it if the price is not as insane as it is for a M3/4.

I am hoping my current car can last that long with few repairs.
by HopeToGolf
Wed Mar 30, 2016 3:14 am
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 4630

Re: Bro Trip suggestions?

Scottsdale,AZ...pro sports, golf, hiking, gambling, dining all in less than an hour's drive.
by HopeToGolf
Tue Mar 29, 2016 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Paying Marriage Penalty Tax vs. Cohabitation
Replies: 99
Views: 9762

Re: Paying Marriage Penalty Tax vs. Cohabitation

Regarding, SS, I think that one is a red herring. Most people considering this are reasonably high earners...as a result, they will most likely have very similar SS benefits (and collect on their own record rather than the spousal benefit). My wife passed away last year at an all too young age. As ...
by HopeToGolf
Tue Mar 29, 2016 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 9486

Re: Investing Young + LBYM = No Corp Ladder

8 figures maybe 9 and these folks are on "thin ice"...hard to believe for people that made their money via building businesses and/or corporate jobs (i.e. Not inheritance, entertainment, athletics......sudden wealth).
by HopeToGolf
Sat Mar 26, 2016 3:49 am
Forum: Personal Finance (Not Investing)
Topic: Paying Marriage Penalty Tax vs. Cohabitation
Replies: 99
Views: 9762

Re: Paying Marriage Penalty Tax vs. Cohabitation

There are many who choose this path. A few years ago there was a Planet Money podcast about two economists who chose cohabitation. Essentially, you can come up with various documents to get around most of the problems. Regarding, SS, I think that one is a red herring. Most people considering this ar...

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