Search found 17 matches

by Lacrab
Sat Aug 12, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can a salaried employee be docked pay...
Replies: 33
Views: 3265

Re: Can a salaried employee be docked pay...

It sounds like a crappy situation with a crappy employer, but I suspect there is nothing untoward about it. My company doesn't do stuff like that because you are immediately eligible for sick pay, 401(k), and immediately start accruing vacation. However, I have seen people sent home without pay for...
by Lacrab
Sat Aug 12, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 6531

Re: How does personal wealth affect job hunting?

This is SO on the money for me, I hit a few financial milestones, paid off the house, and suddenly the job I generally enjoy seems like a tight fitting pair of pants when I am pushing a ten hour day. I think it is a seasons of life thing, personally I would rather spend time with kids and my wife wh...
by Lacrab
Wed Jun 01, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 92
Views: 7925

Re: Private school? Any regrets?

[...]There is this outstanding Academy that I think would be great for him, that would only be about $600 a month. My hang up is spending money on something when there is a free option that isn't great but isn't awful. We can afford this with no problem, but obviously I would hate to look back and ...
by Lacrab
Mon May 30, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 92
Views: 7925

Re: Private school? Any regrets?

OP here! Wow, you fine people all tuned in on a HOLIDAY just to peruse and drop your bits of wisdom. Dammit I love this forum so much. Love the passion and appreciate all this information, as I say he is just turning four and so we have a one year head start to do waaaaay too much research, believe ...
by Lacrab
Mon May 30, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 92
Views: 7925

Private school? Any regrets?

Hello to you fine financial folk of the the forums, happy Memorial Day! My wife and I are pondering enrolling in a local private academy, he is four and we are figuring this out a year in advance so there are no hiccups next summer. The grade school in our area has a ranking on Greatschools.org of 3...
by Lacrab
Wed Feb 10, 2016 12:51 am
Forum: Investing - Help with Personal Investments
Topic: How to respond to a siblings who gloats over a great stock pick?
Replies: 51
Views: 4369

Re: How to respond to a siblings who gloats over a great stock pick?

Same response when one of my buddies is bragging about how he crushed it at a craps table- Nice work man! We should have a beer and celebrate! Edit- we have a lot of sessions at craps tables that don't go so well. I live near Atlantic City, and I'm always surprised that any of the casinos are still...
by Lacrab
Wed Feb 10, 2016 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Betterment vs Vanguard: Investing to save for home down payment
Replies: 5
Views: 1777

Re: Betterment vs Vanguard: Investing to save for home down payment

Funny, I have the same problem and just logged in to post that question! With a few caveats... I used Betterment for my emergency fund for a little over a year trying to get about 3% on a 60 bonds/ 40 stock portfolio, and ultimately pulled out when I was going to need a chunk of of it for (gasp) an ...
by Lacrab
Mon Dec 14, 2015 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Predict stock movement this week
Replies: 33
Views: 2951

Re: Predict stock movement this week

Here I thought I could be clever and say it would go up, then down. Of course 27 Bogleheads beat me there. Sadness. I vote we open one if these a week, then we can be like a fund manager to point to our recent accurate performance when people ask why they should join. We could even charge then a sma...
by Lacrab
Sun Oct 11, 2015 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Six figure salary is not what it used to be-how to save for retirement?
Replies: 89
Views: 13756

Re: Six figure salary is not what it used to be-how to save for retirement?

Echoing what some others are getting at, your income puts you in the 25% bracket(all I can say without more nuts and bolts of what is going on under the hood of your financial car), I would look at playing around with Taxcaster and at least getting your 401k to drop you down to the 15% by upping yo...
by Lacrab
Sun Oct 11, 2015 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Six figure salary is not what it used to be-how to save for retirement?
Replies: 89
Views: 13756

Re: Six figure salary is not what it used to be-how to save for retirement?

Echoing what some others are getting at, your income puts you in the 25% bracket(all I can say without more nuts and bolts of what is going on under the hood of your financial car), I would look at playing around with Taxcaster and at least getting your 401k to drop you down to the 15% by upping you...
by Lacrab
Sun Sep 20, 2015 9:35 am
Forum: Personal Finance (Not Investing)
Topic: It's official No SS COLA [Social Security Cost-of-Living Adjustment]
Replies: 66
Views: 4278

Re: August CPI released; SS COLA unlikely

I believe this entire issue is "complex". I also believe that almost all of us (myself included) tend to notice price increases more than price decreases. For food purchases, as an example, I notice that the very same (or similar) purchases in the grocery store have gone up over the last ...
by Lacrab
Sun Sep 20, 2015 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Do lenders contact your employer?
Replies: 25
Views: 21313

Re: Do lenders contact your employer?

We just finished a ridiculously long refinance process with US Bank. They called my wife's work twice to get information after they had received recent pay stubs, checking account statements, and two years' W2s. Whole thing was ridiculous, I believe with all the paper we sent added up to a slam dunk...
by Lacrab
Fri Sep 18, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: Tips for saving on major kitchen remodel
Replies: 59
Views: 5633

Re: Tips for saving on major kitchen remodel

I know it is anathema in these hallowed grounds, but when we remodeled last year, we used Chase Freedom card to 0% finance the whole thing for 16 months. 2% cash back right off the top for the balance which was $10,000+ like you had said. We had money saved equal to about 75% of the total, but we br...
by Lacrab
Sun Sep 13, 2015 12:44 am
Forum: Investing - Theory, News & General
Topic: When Do People Actually Claim Social Security?
Replies: 105
Views: 8643

Re: When Do People Actually Claim Social Security?

My father was a patient man, who taught me a great deal about money, and worked his whole life until 68, he had a physically undemanding job but he took his benefit at FRA a year earlier. He died from brain cancer at age 71 two years ago. That part of this post will stick with regular people FAR lon...
by Lacrab
Tue Aug 25, 2015 4:54 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2932

Re: A Voice of Reason in the Mainstream Press

FreeAtLast wrote:I never watch any financial news show or network.....for reasoned financial commentary and advice, this board does it for me (well, USUALLY reasoned!).


+1

And I love your signature, I have it on the wall in my office. :beer
by Lacrab
Sun Aug 09, 2015 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 15111

Re: Did a dumb thing [lump summed into market after sitting on cash for years]

So I had an Edward Jones advisor going door to door in my neighborhood a few weeks ago. Picture a man who decided it was better to wear his brown suit in the 90+ degree weather trying to reassure you he could manage your money for you. He tried this same basic tactic on us, that they have great &quo...
by Lacrab
Tue Jun 02, 2015 3:01 am
Forum: Personal Finance (Not Investing)
Topic: A plague upon both my houses
Replies: 5
Views: 2050

A plague upon both my houses

Hello Bogleheads! So I have looked and lurked and not found a great deal of information to satisfy my question, and I can't think of a better place to turn than here. My wife and I bought a home in 2005, the year alone tells you we bought it without much down and it is now resting comfortably underw...