Search found 1316 matches

by an_asker
Fri Jan 20, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab brokerage incentive $2,500 - - - thoughts?
Replies: 30
Views: 3080

Re: Schwab brokerage incentive $2,500 - - - thoughts?

Is $2,500 even noticeable to you in the ups and downs of market performance and the size of your portfolio?[...] I agree. If that $1 million is out of the market even for a day, a 0.5% upward swing in the market would mean that you've lost $5,000 to the market!! As a result, only folks who can affo...
by an_asker
Fri Jan 20, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5327

Re: East Coast And Work/Life Balance

TomatoTomahto wrote:[...]We agree. My post was in response to wilked.

I realized that, but accidentally responded to yours as it was the last that included my post :-) Apologies for roping your post in!!
by an_asker
Fri Jan 20, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Any engineers? Studying for Civil-Structural PE
Replies: 22
Views: 4479

Re: Any engineers? Studying for Civil-Structural PE

Wish I could help, but I took that test 25 years ago, when the test was still done by hand! I took it about two decades ago; scored a 97. Company that I worked for did not value it at all; I was hoping for a raise and/or a promotion. Got $100 for dinner. Two years later, I quit the profession. One ...
by an_asker
Fri Jan 20, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Cell phones - I have met my match, please help
Replies: 26
Views: 2738

Re: Cell phones - I have met my match, please help

I thought I was a reasonably capable individual until I started shopping for a cell phone and plan. Now I think I'm a babbling idiot. CDMA, GSM, rooting... I think I'm developing a seizure disorder as I try to sort all this out. About me and my needs and wants: - I live in a semi-rural area. Covera...
by an_asker
Fri Jan 20, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 252
Views: 15575

Re: Annual Vacation Budget

But I did see a discussion where folks (maybe not you) were saying that free travel obtained with credit card mileage points etc should be represented by an actual real dollar figure. That I disagree with. I think it makes complete sense to put a dollar figure on them, especially if you would have ...
by an_asker
Fri Jan 20, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5327

Re: East Coast And Work/Life Balance

We moved quite a bit in the last 8 years and all within the southern states (last few years, mostly within Texas). Why do you guys move so much? Maybe a job that requires husband to move? Why wouldn't it be the wife's job that causes them to move? I'm usually at the front of the line disagreeing wh...
by an_asker
Fri Jan 20, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 252
Views: 15575

Re: Annual Vacation Budget

I agree with your way of calculation. If you have a budget of $xxx,xxx, that means you can spend cash upto $xxx,xxx. Think about it this way, if the airline bumps you from cattle class to first class, would that change your budget for that trip? If you are going for a cruise at the lowest category ...
by an_asker
Fri Jan 20, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 252
Views: 15575

Re: Annual Vacation Budget

[...]I realize we are talking total budgets here. $15k is a lot of total budget for one year for vacations. I agree. Also, the largest shirt anyone should wear is "Large", which is really too big in itself - any size bigger than that, and you're wasting cloth material :oops: Darn. I hadn'...
by an_asker
Fri Jan 20, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5327

Re: East Coast And Work/Life Balance

HomerJ wrote:
biscuit wrote:We moved quite a bit in the last 8 years and all within the southern states (last few years, mostly within Texas).


Why do you guys move so much?

Maybe a job that requires husband to move?
by an_asker
Fri Jan 20, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5327

Re: East Coast And Work/Life Balance

RoadHouseFan wrote:Everything is better in Texas. Recommend pursuing opportunities in the following states (in no particular order):

Texas
Alabama
Georgia
North Carolina
South Carolina
Tennessee
Kentucky
Indiana

I believe the above was a tongue-in-cheek comment. RHF, please confirm (or deny!! :oops:)
by an_asker
Thu Jan 19, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 252
Views: 15575

Re: Annual Vacation Budget

I'm amazed at how frugally some of you can take a trip. I just went to the keys with some friends. We drove there and shared hotel rooms to save costs but each of us still spent a few hundred dollars a day. Now granted we dove almost every day, drank like fish every night, and really spared no expe...
by an_asker
Thu Jan 19, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 252
Views: 15575

Re: Annual Vacation Budget

smitcat & researcher, If you think this thread actually a comparison of $$ vacation budgets rather than a way to collectively explore our views of money and value as it relates to the concept of "vacations", then we disagree about something else as well. metrunt: Based on the OP (belo...
by an_asker
Thu Jan 19, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 252
Views: 15575

Re: Annual Vacation Budget

There are some interesting replies...seeming to disagree with my budgeting methods. I'm curious now how other people in this thread came up with their budget. The past few posters believe everyone is on the same page. How do you know that? And this is a budge t, right? How much money you spend on s...
by an_asker
Thu Jan 19, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10072

Re: Why nobody understands importance of high-deductible insurance?

Great, but watch that max number each year Agreed, although I'm not on an HDHP at the moment. I THOUGHT the one I selected when we switched to my insurance (the very cheapest plan) was, because of the high deductible, but it's actually not. Found that out the hard way when the three of us each had ...
by an_asker
Wed Jan 18, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Stymied by my High Deductible policy, HAS, and the American medical system.
Replies: 40
Views: 2561

Re: Stymied by my High Deductible policy, HAS, and the American medical system.

[...] I think you need a new doctor. This has never happened to me in all my life. I ask the doctor what will be ordered, and we discuss why the test is necessary/helpful. Doesn't everyone do that? Nope. And I don't think the new doctor will work much better either. Consider yourself lucky. I am ri...
by an_asker
Wed Jan 18, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 252
Views: 15575

Re: Annual Vacation Budget

leonard wrote:[...]I realize we are talking total budgets here. $15k is a lot of total budget for one year for vacations.

I agree.

Also, the largest shirt anyone should wear is "Large", which is really too big in itself - any size bigger than that, and you're wasting cloth material :oops:
by an_asker
Wed Jan 18, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10072

Re: Why nobody understands importance of high-deductible insurance?

For those that say they couldn't afford drugs without their "insurance", I get it. Perhaps there is some other way that the rest of us can take care of you without forcing me to pay an extra $10,000 to $15,000 per year on top of what I used to pay and yet still have a terribly inefficient...
by an_asker
Tue Jan 17, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: If I decide to overpay on mortgage payment
Replies: 45
Views: 4284

Re: If I decide to overpay on mortgage payment

ModifiedDuration wrote:Yes, dm200 and CAsage are correct on this one.

You've told the truth ... but not the whole truth. Let me complete it.

... AND ljwobker is incorrect on this one!
by an_asker
Tue Jan 17, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: If I decide to overpay on mortgage payment
Replies: 45
Views: 4284

Re: If I decide to overpay on mortgage payment

I'm not interested in getting into a pissing contest over this... although I suggest anyone with an interest in this topic ask their lender the following question: "If I pay an extra $500 this month, does the interest that I owe for future payments change automatically, or does it follow the o...
by an_asker
Tue Jan 17, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP switch? Feedback appreciated
Replies: 5
Views: 277

Re: HDHP switch? Feedback appreciated

[...]2) Does it make financial sense to switch insurance for our phase of life? When would a good time to switch back to an HDHP, if ever? It never did for us. My wife has had 2 major surgeries since we went to the HDHP, and though we had cash out of pocket up to the deductible, we were still far b...
by an_asker
Tue Jan 17, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA for High Net Worth Parents?
Replies: 70
Views: 5765

Re: FAFSA for High Net Worth Parents?

[...]They also intimated she might be eligible for a athletic scholarship if she wanted to do "ladies team sports". They assured her this was the best way to attend their school. She went elsewhere. But I was shocked they suggested loans over my paying. And there were lots of other strang...
by an_asker
Tue Jan 17, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 50
Views: 4510

Re: France or Switzerland

Switzerland will be more costly because of the currency. Huh??!! We went in summer 2015 when the Swiss Franc was going for $1.08. It is now at $0.98. If currency is the only reason, NOW is the time to visit Switzerland*! * - we visited Paris when the Euro was $1.26 (it is now $1.05). That said, I w...
by an_asker
Tue Jan 17, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA for High Net Worth Parents?
Replies: 70
Views: 5765

Re: FAFSA for High Net Worth Parents?

I don't know. It was a while ago. We are not high net worth, but it was plainly obvious that we could afford to put two kids through school and it seemed pointless to apply. But we were bullied and bullied and bullied , by guidance counselors, by our kids themselves, by propaganda from all sides (&...
by an_asker
Tue Jan 17, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 17
Views: 1858

Re: Relocating to Berlin upon retiring. Please critique my plan.

-How does one meet people in Berlin? Attend church, join service clubs, take classes, etc. When I first came to Berlin in 2002, I've met some Berliners on the first and second day after my arrival. Both situations were mildly ludicrous, but that's exactly what I like about the Berliners. They are o...
by an_asker
Tue Jan 17, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 4515

Re: My co-worker boasting about his investments. What do you think about his selections?

I don't like why Bogleheads are ganging up against a defenseless (unless the co-worker reads this forum) stock-picker. Hey, I do agree with some of his calls (see below) Hello, I have a colleague who is boasting about his investment picks. He even shared to me what investments he has. Can anyone com...
by an_asker
Mon Jan 16, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 27058

Re: Whats your number to walk away?

I don't have a number There's no number that would let you retire today? Not 1 billion? Or are you saying you love your job so much you'd do it for free? Of course not, but not everyone quits soon as they reach FI. :oops: What is FI exactly though?[...] I think he meant FL. When you're on an island...
by an_asker
Mon Jan 16, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Florida (Advice Requested)
Replies: 22
Views: 1670

Re: Vacationing in Florida (Advice Requested)

Going to the beach in February there will be hit or miss with the weather since it might not really be all that warm so it would be good to have cool weather plans too.[...] While I agree with you on the weather being hit or miss, the experience is also dependent on where OP is from. For us Floridi...
by an_asker
Sat Jan 14, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1236

Re: Receipts

[...]I shred occasionally, but usually hold because a couple of times a year there is free shredding in the community. Sometimes people bring huge bags filled with paper to be shred. +1, even though it is up to 45 minutes each way to one such event! Like Dottie57, I "shredded" a couple of...
by an_asker
Wed Jan 11, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 2716

Re: Shutterbugs - How do you organize your digital photos?

[...]My understanding is that solid state hard drives are more robust which is why a gig of solid state hard drive storage costs more then the $5 USB thumb drive that you buy at Walmart. I totally agree, and appreciate the warning. It was temporary solution that sort of became permanent. I do try t...
by an_asker
Wed Jan 11, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 2716

Re: Shutterbugs - How do you organize your digital photos?

Here is how I organize my photos and financial stuff.

Code: Select all

c:\an_asker\
      year\
         photos\
            device\
               occasion\
         finance\

I used to have a different order previously, but the last few years I have switched to the above format, which is easiest for me.
by an_asker
Mon Jan 09, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: I am 42 and DREAM ER- Portfolio review PLEASE
Replies: 9
Views: 1590

Re: I am 42 and DREAM ER- Portfolio review PLEASE

[...]And here I windered why you wanted talk Expense Ratio. To retire early you need to know your expenses versus the amount available to support you to the end. Then start your engines and rev up the spreadsheet. To be honest, I thought he was having nightmares (couched as dreams) about the Emerge...
by an_asker
Mon Jan 09, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: I want to go to Alaska this summer - tell me what, why and when!
Replies: 18
Views: 1448

I want to go to Alaska this summer - tell me what, why and when!

OK, I've been planning to go to Alaska with my family of four (we've one teenager and one tween). Am even considering bringing my 70+ mother along. All along until this morning, my thought was that we have to do an Alaskan cruise. But now, based on comments on this thread, I am having second thought...
by an_asker
Sat Jan 07, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 57
Views: 3655

Re: Alaska cruise - Help me convince my family

[...]And now you throw in the fact that it costs more too? Good luck. Oh, and good luck booking a cruise for this summer. We booked at Thanksgiving and there was practically nothing left to book. I don't know why cruise vacationers plan so far ahead, but they do. Would you mind sharing some details...
by an_asker
Sat Jan 07, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 57
Views: 3655

Re: Alaska cruise - Help me convince my family

I want to do an Alaskan cruise this summer or maybe next, but my wife and kids and other family members are not very interested. (1) It's quite a bit more expensive than a Caribbean cruise (2) It's a not a warm Caribbean cruise So those of you who have done it, tell me how amazing it is, so I can f...
by an_asker
Wed Jan 04, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Torn Envelope
Replies: 11
Views: 1718

Re: Torn Envelope

It wasn't delivered to a neighbor.[...] Not necessarily true. I have several times received mail that does not belong to me and, being lazy, have just put the envelope right back in my mailbox for the mailman to pick up and redeliver. Once, I have even opened (junk) mail that belonged to someone el...
by an_asker
Fri Dec 09, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Unload Healthcare Fund?
Replies: 36
Views: 2513

Re: Unload Healthcare Fund?

hulburt1 wrote:They give out a lot of dividends at the end of the year. Would hold on until 2017

And why would that be relevant again?
by an_asker
Wed Dec 07, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 52
Views: 3396

Re: Help placing limit order for BND

To the OP, did you ever place your order, and did it get filled? +1! And in case OP is yet to do so, let me share my wisdom, all $0,02 of it. Unlike you, OP, I dabble only in a few handful of shares of an ETF - outside of my automatic investments. How I do it? I look at data for the past week and s...
by an_asker
Tue Dec 06, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: Why is actual raw sugar hard to find?
Replies: 34
Views: 3390

Re: Why is actual raw sugar hard to find?

Various sources suggest that "jaggery" or "jagri" is about the same thing and that it can be found in Indian ethnic markets, but I haven't had a chance to visit the nearest one yet. There is nothing called 'jagri'! But yes, I've had jaggery (and have some at home) - much prefer ...
by an_asker
Sun Dec 04, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: Need Advice on France for my son
Replies: 12
Views: 885

Re: Need Advice on France for my son

jebmke wrote:
btenny wrote:Make sure he knows it is really cold and wet in France in the winter.

And dark. But you get paid back in the late spring and summer.

I can see where this advice might be worth it to a Floridian, but to a SpartanFan (who is probably living it right now, give or take an hour or so)??!! ;-)
by an_asker
Wed Nov 30, 2016 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Disputing fat hospital bill?
Replies: 33
Views: 3375

Re: Disputing fat hospital bill?

I had surgery and a 3 day hospital stay to recover. My amount due after insurance payments is $3500 for the hospital portion and $900 for the physician fee. I think the hospital charge overall was $28k. The itemized bill doesn't include anything that I didn't receive although a lot of those charges...
by an_asker
Tue Nov 29, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 7056

Re: Black Friday - is this overdone?

[...]There was just an article in last week's Economist about how Black Friday is spreading to Britain/England/UK/whatever the politically correct term is these days.[...] This made my day. I'm pretty sure that this will set Valuethinker off ;-) Maverick3320, Great Britain/England/UK are three diff...
by an_asker
Tue Nov 29, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 7056

Re: Black Friday - is this overdone?

[...]There was just an article in last week's Economist about how Black Friday is spreading to Britain/England/UK/whatever the politically correct term is these days.[...] This made my day. I'm pretty sure that this will set Valuethinker off ;-) Maverick3320, Great Britain/England/UK are three diff...
by an_asker
Tue Nov 29, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 7056

Re: Black Friday - is this overdone?

Black Friday has become a "thing" here-- more examples of the internet allowing rapid transmission of social phenomena, in the manner of a cold virus. Great Britain, when it goes big for American culture, tends to grab the worst aspects of same (this may or may not be an example of that p...
by an_asker
Mon Nov 28, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: What is the advantage of a Revocable Trust (FL)?
Replies: 1
Views: 323

What is the advantage of a Revocable Trust (FL)?

I know a small scale businessman who moved his primary home to a Revocable Trust (in his own name). From what I can tell, however, he has lost his homestead exemption on the house, though he lives there. Is the loss of the homestead exemption being offset by whatever (what?) advantage he gains, such...
by an_asker
Thu Nov 24, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 5254

Re: Which Credit card for a large one-time expense?

I would also recommend the Chase Sapphire Reserve and combining it with...drumroll...the Chase Sapphire Preferred. Both have a $4,000 spending requirement for the bonus within the first three months. See if your vendor will accept that. If they do, say hello to 150,000 Ultimate Rewards points. If y...
by an_asker
Thu Nov 24, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 5254

Re: Which Credit card for a large one-time expense?

They have a 5 yr 0% payment plan, or an upfront payment cash offer for 10% discount. Why are you fiddling around with all the hassle of finding an extra percent here or there on new credit card when you can get 10% off? What am I missing> I am getting the 10% off for paying upfront. But, want to se...
by an_asker
Wed Nov 23, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 4525

Re: How Much Housing Payment Can a Boglehead Afford?

[...]Thanks for your input. That chart was A) a maximum bound I thought anyone would choose to spend, and B) created carelessly to show formatting. Rather than a mere critique of one number (which I agree personally I would never choose to spend), would you be willing to share what you personally f...
by an_asker
Wed Nov 23, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 4525

Re: How Much Housing Payment Can a Boglehead Afford?

[...] Gross Income Maximum Monthly Housing Payment [...] $150,000 $3,500 [...] Please feel free to specify whatever reasoning you desire for how you arrived at your numbers, but please state numbers in terms of gross income to maximum monthly housing payment if possible. Thanks in advance! This is ...
by an_asker
Tue Nov 22, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: HSA -- what is indirect rollover?
Replies: 6
Views: 544

Re: HSA -- what is indirect rollover?

[...]I share your question, but here is how it would be different. Let's say I ask my HSA to "bill pay" to Fido via ACH, Or ask Fido to transfer via ACH every month. Same things as your last option which you say should be OK... I never see the money. Goes directly from HSA-A to HSA-B. But...
by an_asker
Tue Nov 22, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: HSA -- what is indirect rollover?
Replies: 6
Views: 544

Re: HSA -- what is indirect rollover?

I've got an HSA with Fidelity. I like them. Lots of investment options. No fees (for me). My old company used to contribute directly there. Life was good. My new company uses a different bank. No investment options. Relatively higher fees. I want to get the money from there into Fido, if for no oth...

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