Search found 580 matches

by alpenglow
Fri Apr 20, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Master Bath remodel price?
Replies: 27
Views: 2370

Re: Master Bath remodel price?

A friend of mine just remodeled their master bath with two new marble topped vanities, an all new shower tiled to the ceiling, new flooring, and trim. There was some re-plumbing involved. They also get new hardwood floors in the master bedroom and new trim. $20k in NY Metro area. I just got a new ma...
by alpenglow
Fri Apr 20, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Do US Postal Regulations Prohibit Me From Picking Up My Mail At The PO?
Replies: 12
Views: 1152

Re: Do US Postal Regulations Prohibit Me From Picking Up My Mail At The PO?

In my town, if excessive snow isn't cleared and the mailbox is inaccessible, you can pickup at the post office.
by alpenglow
Wed Apr 18, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Forgot AMT on taxes
Replies: 7
Views: 644

Re: Forgot AMT on taxes

Thanks for the replies. It sounds like I should just go ahead with an amended return rather than let the IRS adjust the refund.
by alpenglow
Wed Apr 18, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Forgot AMT on taxes
Replies: 7
Views: 644

Forgot AMT on taxes

I'm really ashamed that I missed filing AMT on my Dad's tax return this year. :oops: He's never had to file AMT before, but RMDs and increased property taxes pushed him over the edge. I do all of the taxes by hand. Unfortunately, I already filled his return. He was expecting a refund and still will ...
by alpenglow
Wed Apr 18, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9276

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I was once in a similar situation with my wife.

1) Call and explain your situation.
2) If possible, seek a discount for immediate payment (I got 50% off from 2 providers)
3) If all else fails, ask for a payment plan. My in-laws have a number of 0% interest payment plans at the moment.
by alpenglow
Mon Apr 16, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4368

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

DorothyB wrote:
Mon Apr 16, 2018 3:44 pm
Thank you so much for the eyebonds.info/ibonds link!! I compared that to the values I have previously pulled from the TD website and they agree. This like gave me several months of values for both of my purchase dates very easily :)
I'm glad you found it helpful!
by alpenglow
Fri Apr 13, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 106
Views: 12201

Re: Is it still worth buying a house in a state with insane property taxes

I live in the NY Metro area and the taxes are pretty crazy. I pay about $14k, but have family members paying $16.5k and even $22k in property taxes. I would move but I get paid very well for what I do, so I accept it. Overall, I'm well ahead on the deal. As soon as I retire though, we'll be in NH or...
by alpenglow
Thu Apr 12, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4368

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

(and I usually log in just to check monthly, it's actually quite simple), You don't even have to log in to check monthly, they have a decent tool for that :wink: https://www.treasurydirect.gov/indiv/tools/sbwsetup.exe That tool won't get updated anymore starting soon: https://www.treasurydirect.gov...
by alpenglow
Tue Apr 10, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any simple strategies that can help us squeeze better returns?
Replies: 45
Views: 2970

Re: Are there any simple strategies that can help us squeeze better returns?

Instead of looking for the secret sauce to juice my returns, I simply spend less and save more. :moneybag
by alpenglow
Tue Apr 10, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Porting a Landline Phone Number to Wireless?
Replies: 7
Views: 437

Re: Porting a Landline Phone Number to Wireless?

+1

I did the same with my Mom from a landline to a cell phone across carriers. No problems.
by alpenglow
Tue Apr 10, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 56
Views: 4355

Re: Structuring Newlywed Finances for Fairness and Less Arguments

RudyS wrote:
Tue Apr 10, 2018 10:36 am
alpenglow wrote:
Mon Apr 09, 2018 10:33 am
I haven't read the whole thread, but my advice would be to keep it simple. We've been married 10 years and we spend as needed from a common account. Done.
Same for us, except we have 53 years of our (one and only) happy marriage.
:beer
by alpenglow
Tue Apr 10, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13895

Re: Parents have zero savings. What can I do?

I can't believe how many people are saying to let them drown. Forget how this will impact your marriage - how can anyone do that in good conscience? This exactly. What kind of greed is going on on this forum? :shock: Did your parents not do everything they could to help you? Would they not do every...
by alpenglow
Mon Apr 09, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 8614

Re: Regrets of the frugal and dying?

I'm in my 40's, but if I were on my deathbed, I would regret having not traveled more. Besides that, I'm frugal and want for nothing. My family isn't into stuff. As my boys get older, that travel piece will be fulfilled. By far, the most important part of my life is my family. No regrets there.
by alpenglow
Mon Apr 09, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 56
Views: 4355

Re: Structuring Newlywed Finances for Fairness and Less Arguments

I haven't read the whole thread, but my advice would be to keep it simple. We've been married 10 years and we spend as needed from a common account. Done.
by alpenglow
Mon Apr 09, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13895

Re: Parents have zero savings. What can I do?

My in-laws are in a similarly poor financial situation. They complain about money but will not accept advice. My father-in law makes $175k/yr plus a company car. My mother-in-law is addicted to buying and has packages coming to the house daily. I think they are about $65-75k deep in credit card debt...
by alpenglow
Sun Apr 08, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12411

Re: Ivy school education. Is it worth it?

TomatoTomahto wrote:
Sun Apr 08, 2018 6:04 pm
alpenglow wrote:
Sun Apr 08, 2018 5:52 pm
If I may ask, what does you son do for a living?
To quote his girlfriend: “he goes to work in a T-shirt and does math all day.”
Sounds awesome!

My wife and I are both Ivy League educated (Dartmouth and Cornell). We think it was entirely worth it.
by alpenglow
Sun Apr 08, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12411

Re: Ivy school education. Is it worth it?

I’m a simple man. My son’s first year compensation plus what he’s earned the past two years doing internships equals the sum total cost of his 4 years as a full-pay Yale student (which, by the way, earned him a combined MS and BS). His second year after graduation will be better. ROI? Fuggedaboutit...
by alpenglow
Sat Apr 07, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13895

Re: Parents have zero savings. What can I do?

livesoft wrote:
Sat Apr 07, 2018 12:23 pm
You can tell them:

Not my monkeys, not my circus.

Or buy them the T-shirt.
This is why Bogleheads needs upvotes.
by alpenglow
Fri Apr 06, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14806

Re: Swedroe: Look Beyond 60/40 Portfolio

greg24 wrote:
Fri Apr 06, 2018 4:36 pm
Larry should be ashamed of himself.

Expense ratios:

QSPRX 1.50%
QRPRX 1.33%
If these ER's offend you, just check out the Stone Ridge ER's. Your head will blow up.
by alpenglow
Sun Apr 01, 2018 6:46 pm
Forum: Investing - Theory, News & General
Topic: “We’re not making enough money off you”
Replies: 62
Views: 10654

Re: “We’re not making enough money off you”

Badger1754 wrote:
Sun Apr 01, 2018 4:11 pm
with lots of “sechel” (Yiddish for “business sense”)
I love learning new Yiddish words. Thanks!
by alpenglow
Wed Mar 28, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 3798

Re: Cosign college loan for sibling?

I made the mistake of lending money to my brother once. I thought we had a solid relationship. Boy was I wrong. He totally balked when I started to ask for payments in accordance with our contract. I never, ever expected it. Don't co-sign a loan. I take the opposite view. If you make someone a loan...
by alpenglow
Wed Mar 28, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 3798

Re: Cosign college loan for sibling?

I made the mistake of lending money to my brother once. I thought we had a solid relationship. Boy was I wrong. He totally balked when I started to ask for payments in accordance with our contract. I never, ever expected it. Don't co-sign a loan.
by alpenglow
Tue Mar 27, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11171

Re: Underrated places to visit in U.S.?

Idaho is big on my list of places to see more of. Thus far, I've only passed through Coeur d'Alene on I-90. Can you suggest some places to see in Idaho? If it applies to you, how was Boise? It's not unique to Idaho, but getting off the paved road and taking a dirt logging road in a National Forest ...
by alpenglow
Tue Mar 27, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 6113

Re: Vanguard "system issue" 3/27/18 [erroneous "not enough money in settlement fund" notice]

The529guy wrote:
Tue Mar 27, 2018 11:51 am
The rep I spoke to said that the email notifications were automatically triggered because their system was not correctly registering account values associated with Vanguard Federal Money Market Fund.
They must be using Google Finance for their information. :twisted:
by alpenglow
Tue Mar 27, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 6113

Re: Vanguard "system issue" 3/27/18 [erroneous "not enough money in settlement fund" notice]

I didn't get this notice, but issues like this just shouldn't happen. I've spread my investments across Fidelity and Vanguard, along with some other 403b/457 providers. I really wonder if I should consolidate at Fidelity. If only they would bring back those transfer offers.
by alpenglow
Tue Mar 27, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Google sheets not pulling stock prices
Replies: 21
Views: 1953

Re: Google sheets not pulling stock prices

I love google sheets but the finance function isn't cutting it these days. Try this solution!

viewtopic.php?t=240332
by alpenglow
Tue Mar 27, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11171

Re: Underrated places to visit in U.S.?

Idaho is big on my list of places to see more of. Thus far, I've only passed through Coeur d'Alene on I-90. Can you suggest some places to see in Idaho? If it applies to you, how was Boise? Boise was great! It reminded me of Portland 20 years ago. Beautiful riverwalk/greenway. Bicycle-friendly. Up-...
by alpenglow
Mon Mar 26, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11171

Re: Underrated places to visit in U.S.?

Anywhere in Idaho For those keeping score at home, this is the correct answer. :D My wife and I vacationed in Idaho last year. When I told my coworkers I was going, I got one of two reactions. Most people said "Idaho? Why in the world are you going there?" But the few who had actually been to Idaho...
by alpenglow
Mon Mar 26, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 15
Views: 1543

Re: Infrared Sauna at home

VictoriaF wrote:
Fri Mar 23, 2018 3:39 pm
adamthesmythe wrote:
Fri Mar 23, 2018 3:36 pm
Seems to me you could buy an electric blanket that does the same thing. (The rationale sounds bogus to a physicist).

Do check t make sure it won't blow your circuit breakers.
Hey, I am looking for a hot blanket, not a wet blanket!

Victoria
Thanks for the laugh! :happy
by alpenglow
Mon Mar 26, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about capitulating on house
Replies: 34
Views: 4024

Re: Thinking about capitulating on house

My wife and I bought a house that was much bigger than we were looking for. We bought it because it offered the most value compared to other listings. We now have kids and grew into the house nicely. The neighborhood is great and we have a lovely woodland view. I would hang onto your house for a whi...
by alpenglow
Mon Mar 26, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11171

Re: Underrated places to visit in U.S.?

Methow, WA and the surrounding area always looked like a quiet and beautiful place. I've never been there, however. Any thoughts on that area?
by alpenglow
Fri Mar 23, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11171

Re: Underrated places to visit in U.S.?

Magruder wrote:
Fri Mar 23, 2018 4:57 pm
Tool around the southern 2/3 of Vermont!
Up North too. I find Orange County VT to be very scenic and off the radar. Topsham, Corinth, etc are fabulous and very quiet even during leaf peeper season.
by alpenglow
Fri Mar 23, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: CPA not helpful with Form 8606
Replies: 38
Views: 1994

Re: CPA not helpful with Form 8606

magicrat wrote:
Fri Mar 23, 2018 1:23 pm
I'd fire the CPA
+2
by alpenglow
Wed Mar 21, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 86
Views: 6045

Re: What have you baked recently?

I've been baking no-knead artisan bread in my dutch oven for a few years now. Nothing smells or tastes as good as home made bread. Beautiful bread! Here were my first loaves baked in my cast iron dutch oven. I baked these for 30 min covered and 15 uncovered which I felt was just on the edge of burn...
by alpenglow
Tue Mar 20, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 14266

Re: Large life style creep that was completely worth it

The only lifestyle creep that was totally worth it was craft beer. :beer
by alpenglow
Tue Mar 20, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 86
Views: 6045

Re: What have you baked recently?

Soft pretzels, seeded Italian loaf, and cheddar/jalapeno sandwich rolls. Yum. Home baking is a frugal, healthy, and satisfying hobby.
by alpenglow
Tue Mar 20, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 12560

Re: Can I Retire at 38?

Sandtrap wrote:
Tue Mar 20, 2018 10:13 am
Good responses, all.
It doesn't have to be an "either or" "now or never" decision.
I just read a blog post on this idea. Perhaps it would help OP.

https://thefinancebuff.com/financially- ... pivot.html
by alpenglow
Tue Mar 20, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 12560

Re: Can I Retire at 38?

Retiring early is less about the size of your nest egg and more about understanding your expenses. My wife and I sat down to counsel with Mr Money Mustache to ask him if he thought we had enough to retire early. He asked what are your monthly expenses? I was embarrassed to admit that I didn't reall...
by alpenglow
Tue Mar 20, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 12560

Re: Can I Retire at 38?

...and have two small children... Children learn a lot from the example set by their parents. Things like how parents deal with work issues, work schedules, and how parents go to work day after day. If you're not working (even if you have assets high enough to be financially independent) they may v...
by alpenglow
Mon Mar 19, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fast IRS refund
Replies: 38
Views: 3456

Re: Fast IRS refund

keystone wrote:
Mon Mar 19, 2018 12:23 pm
quizzer25 wrote:
Mon Mar 19, 2018 11:46 am
How many days is it taking for people filed returns in March? I filed on 5th and its still in process.
I filed mine on Sunday, March 11 and received it today.
Same here!
by alpenglow
Sun Mar 11, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a plot of land for retirement
Replies: 35
Views: 3222

Re: Buying a plot of land for retirement

Hello all, I am hoping you guys can provide me with some guidance and resources. My spouse and I are looking into buying a small plot of land to retire on. Retirement for us is probably in 33-38 years. I'm not sure where to begin on figuring out how to do this process from a boglehead's perspective...
by alpenglow
Thu Mar 08, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Online customer review denied
Replies: 33
Views: 3628

Re: Online customer review denied

I think the take-away here is that many online reviews are gamed, manipulated, and not to be trusted.
by alpenglow
Wed Mar 07, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8071

Re: 30-Day Minimalist Challenge

Personally, I have been heavily engaged in my own Lifestyle by Design since retiring 3 years ago. I've cleared out everything--and I do mean everything (people, places, things)--tantamount to friction in my life. I subscribe to the Scarcity Idea that our precious mental resources must be preserved ...
by alpenglow
Mon Mar 05, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: AmEx Delta Gold is now Honoring Bonus
Replies: 86
Views: 6133

Re: AmEx Delta Gold Not Honoring Bonus

At this point, I don't mess with AMEX and I've taken my business elsewhere. Your churning business? :shock: :D LOL. I'm a very low level churner. I don't MS. I open a few cards per year. I charge everything - no cash, no debit. That's a lot of business for the credit card companies I use - Chase, P...
by alpenglow
Mon Mar 05, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: AmEx Delta Gold is now Honoring Bonus
Replies: 86
Views: 6133

Re: AmEx Delta Gold Not Honoring Bonus

I find the outrage here puzzling. Isn’t it reasonable for a credit card company not to cater to customers who are avid churners or are applying for products just to play a “rewards game?” Maybe I’m missing something, but aren’t those exactly the sort of customers those firms would not want to recru...
by alpenglow
Mon Mar 05, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: AmEx Delta Gold is now Honoring Bonus
Replies: 86
Views: 6133

Re: AmEx Delta Gold Not Honoring Bonus

I ran into a similar situation with AmEx - received a "you're pre-approved" offer in the mail. I called to make sure I was eligible for the bonus and was assured that I was. When the bonus didn't post I was told that I had the card previously and didn't qualify. I got no where with a CFPB complaint...
by alpenglow
Sat Mar 03, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: "Making a Difference" by Jonathan Clements
Replies: 29
Views: 3388

Re: "Making a Difference" by Jonathan Clements

Good, but just rehashing what we see here. It's all a repeat and sometimes that's a good thing. Saving Investors From Themselves by Jason Zweig I was once asked, at a journalism conference, how I defined my job. I said: My job is to write the exact same thing between 50 and 100 times a year in such...
by alpenglow
Thu Mar 01, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: House vs Condo vs Townhouse
Replies: 36
Views: 2685

Re: House vs Condo vs Townhouse

Risks of multifamily housing you cannot control: Noise, unpleasant cooking aromas, fires or flooding started by neighbors, neighbors complaining about your noise or cooking, unfriendly/intolerant/annoyingstrange neighbors, too-friendly neighbors, lonely neighbors. How about attractive, lonely neigh...