Search found 1435 matches

by an_asker
Tue Mar 21, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Miami Open Tennis
Replies: 9
Views: 674

Re: Miami Open Tennis

And the weather in South Florida has been absolutely GLORIOUS the last two weeks and looks to be the same for another week. Enjoy your tennis tournament :happy Please note that the original post is (exactly, though not by design) one year old. This year I am a volunteer - a big step ahead, to say t...
by an_asker
Tue Mar 21, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Miami Open Tennis
Replies: 9
Views: 674

Re: Miami Open Tennis (2017 edition)

Any bogleheads going this year? I didn't get any responses from locals (Boglehead locals, that is) last year, but I went and had such a good time that I am back this year as well. And am volunteering as well, no less :-) So, it would be fun to meet up Bogleheads especially those who are also into Te...
by an_asker
Fri Mar 17, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401K Limits with Sole Prop and an LLC with a loss
Replies: 7
Views: 425

Re: Solo 401K Limits with Sole Prop and an LLC with a loss

Now I am completely confused (granted, I have been lazy and not googled). My original understanding matched up with OP's that only 20% could be contributed to a solo 401(k). But apparently that is not true, as I was corrected on that point a few weeks ago (I was thinking of a SEP IRA, IIRC, which is...
by an_asker
Wed Mar 15, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Wife wants to get into real-estate
Replies: 21
Views: 3060

Re: Wife wants to get into real-estate

Thanks for all the responses. My wife and I made the decision together that she will be a Realtor. She got her license and ready to start. We are mainly looking for advice in terms of how we can leverage her new role from a financial perspective. If it means buying and selling properties, do we nee...
by an_asker
Wed Mar 15, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 2667

Re: Relocation to Milwaukee

I don't know what your hobbies/leisure activities are, or where you are coming from, but keep in mind the winter weather is awful. Or wonderful, depending on one's preferences. Exactly! When I get home tonight, I plan to fire up the snowmobile and scare the scenery all around my property. Can't do ...
by an_asker
Wed Mar 15, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 3375

Re: Time Saving Tactics: Kids Edition

From the time your child is born until the time you child leaves for college, is only about 900 weeks. Enjoy every one of them if possible. You will have plenty of time to save ... and, if you ask me*, clean the house ... when they leave the nest. * Don't ask my DW, that's a Pandora's box right the...
by an_asker
Wed Mar 15, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 2667

Re: Relocation to Milwaukee

Looking only at state tax rates can be deceptive when it comes to what you're actually paying. Take a look at your county and city tax rates and compare to Milwaukee's. And property taxes, auto insurance, etc. But as important, if not more, is the climate. Like someone else asked above, where are y...
by an_asker
Wed Mar 15, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 63
Views: 4558

Re: Cost of Dental Implant

Hello -- I'm a general dentist in NJ -- PLEASE don't go to another country to have this done. I have seen too many cases of failing, poorly done dentistry done in other countries. The patients come back to the US and now have to pay to have things redone. It's awful. ... I sometimes hear that you s...
by an_asker
Wed Mar 15, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 4812

Re: What to do with $100???

Pajamas wrote:If you're a minimalist, you should buy socks or underwear as those only count as ONE THING no matter how many you actually have. :P

If OP is a true minimalist, I'm thinking fig leaves ;-)
by an_asker
Mon Mar 13, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Sold House in 2016
Replies: 14
Views: 1075

Re: Sold House in 2016

Grt2bOutdoors/jimb:

Thanks - I did not know that. Now I understand it much better after googling :-)
by an_asker
Mon Mar 13, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Escrow question
Replies: 21
Views: 1174

Re: Mortgage/Escrow question

[...]Oh yeah, I know they are awful. Look up Lucero v Cenlar. I know someone that refinanced with another company to get away from them. Then their mortgage got sold to Cenlar again. :oops: Try to go with a big bank, such as Wells Fargo or Chase. Or - if you are a member - your first choice should ...
by an_asker
Mon Mar 13, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Sold House in 2016
Replies: 14
Views: 1075

Re: Sold House in 2016

Are you sure the CPA doesn't mean it's a wash between 2014 and 2016 (passed away/sold)? Whatever the value was in 2014, plus the $25k you all put into it, and whatever sale fees went with it, it very well could be a wash. I'm not familiar with the deed change in 1996 and her still living there. Tha...
by an_asker
Mon Mar 13, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Escrow question
Replies: 21
Views: 1174

Re: Mortgage/Escrow question

PandaBear wrote:
orca91 wrote:Sounds like a refi might be worth it just to get away from this company... yikes!!

Would you mind sharing what mortgage company this is.


CENLAR

You need to refinance your loan YESTERDAY!

one

two
by an_asker
Sun Mar 12, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Forced role change, what would you do?
Replies: 38
Views: 2562

Re: Forced role change, what would you do?

[...]I could likely get paid more in another industry with similar (read long) hours doing Mfg Eng very easily in this area. Finding another R&D job in this area will be significantly harder to nearly impossible though. What would you do in my situation? This definitely needs a discussion with ...
by an_asker
Fri Mar 10, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 3896

Re: Total Annual Expenses

Our total household expenses target is around (preferably below) $30k. How about you? It depends on what you include as "expenses" - for instance, would the money paid towards rental property's PITI count as expense (or if the owner has a net profit, does he/she get to deduct that profit ...
by an_asker
Thu Mar 09, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: House: Pay Cash then Mortgage (Delayed Financing) - worth it?
Replies: 19
Views: 1139

Re: House: Pay Cash then Mortgage (Delayed Financing) - worth it?

I guess here we have the answer to the age-old Dave Ramsey (or whoever's got it patented) question: Would you take out a mortgage on a free-and-clear home? I would not, and am still struggling to figure out the rationale for doing so ... unless someone is absolutely sure that the money can generate ...
by an_asker
Thu Mar 09, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple job offers
Replies: 36
Views: 2719

Re: Multiple job offers

...To add a bit of context here; Firm A came to me with an offer a month ago and when they saw my current compensation, they rescinded the offer. Basically they had two candidates (including me) that they liked. Apparently they liked both the candidates equally and went with offering the candidate ...
by an_asker
Thu Mar 09, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab index funds VS. Vanguard
Replies: 16
Views: 1525

Re: Schawb index funds VS. Vanguard

SWPPX has a minimum investment of $1 and minimum additional investment of $1 effective March 1st. I have begun throwing a couple of dollars a day at it. I reached out to Schwab asking them to allow min of $1 in their auto investment program so you can literally dollar cost average every trading day...
by an_asker
Wed Mar 08, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan
Replies: 29
Views: 2266

Re: Traveling to Japan

I don't have a trip to Japan planned in the near future, but some friends are planning one. I am astounded by the costs - or are they going for high budget places? I am hearing airbnb rates of over $100 per person per day (which would imply much higher rates at conventional hotels) in Tokyo. Also, i...
by an_asker
Wed Mar 08, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should the money earmarked for certain expenses be part of net worth?
Replies: 52
Views: 3103

Re: Should the money earmarked for certain expenses be part of net worth?

So, if I understand it right, I am hearing that net worth isn't a meaningful number and shouldn't be paid attention to. In that case, it doesn't matter if I include it or not. Some people find it meaningful. Others don't. And people apparently have different definitions of what "net worth"...
by an_asker
Wed Mar 08, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Schwab index funds VS. Vanguard
Replies: 16
Views: 1525

Re: Schawb index funds VS. Vanguard

Lately I've been seeing a lot of Schawb commercials claiming that their index funds are considerably lower cost then the Vanguard comparable funds. Interested in the forums view on this. The Schwab expense ratios are lower by a few hundredths of a percent, not "considerably" lower. A big ...
by an_asker
Wed Mar 08, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Schwab index funds VS. Vanguard
Replies: 16
Views: 1525

Re: Schawb index funds VS. Vanguard

Lately I've been seeing a lot of Schawb commercials claiming that their index funds are considerably lower cost then the Vanguard comparable funds. Interested in the forums view on this. The Schwab expense ratios are lower by a few hundredths of a percent, not "considerably" lower. A big ...
by an_asker
Tue Mar 07, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 15452

Re: Possibly Financially Independent and Feeling Miserable

Thanks again to all who have responded. At the risk of being just a bit too honest, I struggle mightily with spending money on anything that isn't a complete necessity, and that is probably harming my relationships with others. I get angry at my wife when she spends $5 at Goodwill on something that...
by an_asker
Tue Mar 07, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 15452

Re: Possibly Financially Independent and Feeling Miserable

Thanks for your post. I have struggled with your feelings on occasion, and I actually saw a therapist for a few sessions just over a year ago after meeting a lot of life and financial goals in a short amount of time. I realized my anxiety level was increasing as I checked the boxes on my goals. I w...
by an_asker
Mon Mar 06, 2017 12:05 am
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 42
Views: 3575

Re: Tell me about Alaska

Nearing_Destination wrote:[...]I don't remember the company name, but from our photo it had tail number N70200 so you can look it up. We did fixed wing as it doesn't have the same restrictions.

I missed this one - what restrictions are you referring to?
by an_asker
Fri Mar 03, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: How to ask back the book I lent to a Director?
Replies: 45
Views: 2408

Re: How to ask back the book I lent to a Director?

I'm amused that the OP has elevated the director to some special position and seems to be afraid to directly ask the person about the book again. I suspect the person lost the book, maybe left it on an airplane, or lent it to another colleague. Or maybe coffee or wine was spilled all over it. In th...
by an_asker
Fri Mar 03, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Going to Tahiti and we're budget travelers
Replies: 41
Views: 3416

Re: Going to Tahiti and we're budget travelers

... That's lucky/smart. How did you plan it? Or are you saying it was completely unplanned? ... My original plan was to spend 15 days away from home, and that's how it turned out. When I sought out flights I could get with my accumulated frequent flyer miles, one "partner" airline didn't ...
by an_asker
Fri Mar 03, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: How to ask back the book I lent to a Director?
Replies: 45
Views: 2408

Re: How to ask back the book I lent to a Director?

StevieG72 wrote:#1

Sometimes you just have to let it go...

+1! Been there, learned that lesson. At < $10, this is one of the least expensive "Boglehead lesson" to learn :oops:
by an_asker
Fri Mar 03, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Going to Tahiti and we're budget travelers
Replies: 41
Views: 3416

Re: Going to Tahiti and we're budget travelers

I spent three days and two nights in French Polynesia (I'm using the official term because otherwise individual island names might be misleading) as a no-extra-airline-charge stopover on my way back from Australia (my seventh continent woo hoo!) to the US. The A340 was scheduled for an all-day layo...
by an_asker
Thu Mar 02, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: How Much to Stretch for "Forever Home"
Replies: 42
Views: 3908

Re: How Much to Stretch for "Forever Home"

[...]The childcare is crazy. Since we are moving from the city to the suburbs, childcare actually decreases. And as our children age into elementary age, hopefully those amount decrease (though camps are expensive too). I could also see adding a day to my schedule in the future, but who knows. My h...
by an_asker
Thu Mar 02, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: How Much to Stretch for "Forever Home"
Replies: 42
Views: 3908

Re: How Much to Stretch for "Forever Home"

Thanks everyone for your feedback. The reason we need more than just space and we can't add on is that we are in the city where an addition is literally impossible and the schools in our neighborhood don't really work for our kids for a number of reasons. The 6K figure has just P/I, not taxes and i...
by an_asker
Thu Mar 02, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Trying to start small
Replies: 16
Views: 1049

Re: Trying to start small

What do you mean by contractor? Are you employed by a contracting company and paid by W2, or retained directly and paid by 1099? My wife is a hairdresser and a self-employed and her own corporation and I am W-2 Does your wife has a SEP IRA or a solo 401(k) or some such for her retirement savings? I...
by an_asker
Wed Mar 01, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Automated Periodic Mutual Fund Buys
Replies: 2
Views: 149

Re: Automated Periodic Mutual Fund Buys

Vanguard offers a lot of flexibility in its automatic investment setup: 1. Every month, every year, every week, every two weeks, twice each month 2. Beginning on any arbitrary date (after the present day)] 3. Until either "I stop this plan" or a specified date 4. In any amount from $1.00 ...
by an_asker
Wed Mar 01, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: ROTH IRA and April Deadline
Replies: 15
Views: 621

Re: ROTH IRA and April Deadline

[...]Thanks for that. I haven't started this, will this weekend but wanted to see if anyone knew how to make sure it counts. Hmmm so say she only puts in $2500 and says its a 2016 contribution. Automatically anything after the April tax deadline will count for 2017 correct? I imagine she will put i...
by an_asker
Wed Mar 01, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: ROTH IRA and April Deadline
Replies: 15
Views: 621

Re: ROTH IRA and April Deadline

The Wizard wrote:If you open a Roth IRA at Vanguard
... or Schwab or Fidelity or TDAmeritrade or many others ...
, you'll find that you have to choose between 2016 and 2017 right now for new contributions, assuming that you haven't maxed out either of those years yet...
by an_asker
Wed Mar 01, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Automated Periodic Mutual Fund Buys
Replies: 2
Views: 149

Automated Periodic Mutual Fund Buys

Rather than go all in as soon as we have the money available, I have set up automatic investments in my Roth IRAs with Schwab. However, there is minimal control over when these automatic investments happen - Schwab permits these to be set up either on the 5th or the 20th of the month (or both). Even...
by an_asker
Wed Mar 01, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 15452

Re: Possibly Financially Independent and Feeling Miserable

Do you have any hobbies? You might want to have something that interests you - travel, sports, music, etc. To be brutally honest, I don't really have any. The focus has always been on money and saving it. Sure, we travel a bit and buy a few discretionary things here and there, but I most definitely...
by an_asker
Wed Mar 01, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 15452

Re: Possibly Financially Independent and Feeling Miserable

[...]And so my questions are this: How can I, or anyone in a similar situation, become at peace with what we've got and accept it? How can I stop making money---and saving money---consume me? How do you know when you truly have enough? Or have we not yet reached financial independence and, accordin...
by an_asker
Wed Mar 01, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Trying to start small
Replies: 16
Views: 1049

Re: Trying to start small

You are the employers as well. So what is your employer doing to help you with regards to retirement accounts? Are you saying that after monthly expenses you are only left with $600 per month and you dont even contribute to any retirement accounts? I am not understanding on the below: "We boug...
by an_asker
Wed Mar 01, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16784

Re: Sallie Mae Rewards MC being discontinued

Unlike y'all, I waited until the last minute ... and found, to my dismay yesterday, that I was unable to navigate to the location to apply the statement credit. This morning, I tried again, and voila, now I not only have the statement credit option but I also get $1 per point (I kid you not!), so .....
by an_asker
Tue Feb 28, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 4844

Re: Fidelity drops equity trade fee to $4.95

To me, more than this it would be helpful if the big three (or four or five) offered fixed mutual fund trades on our (customer) schedule. For instance, Schwab's automatic investment plan (AIP) invests only on 5th and/or 20th of the month. If I wished to automate for 4th and/or 19th, I'm out of luck....
by an_asker
Mon Feb 27, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding an HSA - help
Replies: 7
Views: 616

Re: Understanding an HSA - help

Correct me if I am wrong , but the only test that an HDHP provided by your employer is HSA qualified is for the employer to offer an HSA option as well. In other words, if an employer provides an HSA-qualified HDHP, they have got to provide an HSA as well. Or am I incorrect in this assumption? You'...
by an_asker
Mon Feb 27, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding an HSA - help
Replies: 7
Views: 616

Re: Understanding an HSA - help

The first step is to confirm that the HDHP is HSA qualified. Not all HDHPs are HSA compliant. Your benefits department should be able to confirm this in writing to you (if the IRS ever questions the deduction you will want this confirmation in your files). Correct me if I am wrong, but the only tes...
by an_asker
Mon Feb 27, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs student loans
Replies: 32
Views: 1255

Re: Mortgage vs student loans

As OP Is a physician and is planning to buy a house within about 1.5 times annual income, I don't see any reason to stop him/her from that purchase. Next, if it's not been already done, I would suggest fully funding Roth IRA for 2016 as well as 2017. Then, I would suggest that OP take the biggest lo...
by an_asker
Mon Feb 27, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Going to Tahiti and we're budget travelers
Replies: 41
Views: 3416

Re: Going to Tahiti and we're budget travelers

You've got me curious. Though I've heard of the place, I've never even considered it, so I have got to ask - why Tahiti? :confused And what sort of ticket prices did you get considering you said you are budget travelers?
by an_asker
Mon Feb 27, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 42
Views: 3575

Re: Tell me about Alaska

[...] Just sped-read this whole thread, so please excuse me if this has been mentioned... OP, if you're planning a day-trip to Whittier there is virtually nothing to see/do in town, unless you have a "day cruise" scheduled with one of the two companies based there that offer them: Major M...
by an_asker
Sat Feb 25, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale?
Replies: 6
Views: 415

Re: Is this a wash sale?

The scenario: You have an existing position in a mutual fund, composed of several share lots in a taxable account (using the specific identification method for calculating cost basis). You make an additional purchase of this fund and 15 day later, sell your entire position at a loss. You do not mak...
by an_asker
Fri Feb 24, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Stay at home wife 401k question
Replies: 13
Views: 574

Re: Stay at home wife 401k question

Yes, she would be able to contribute all of her 1099 income up to $18,000. We will be doing this for my wife this year although she is more part-time than stay at home. Depending on how much your wife has earned, it may not be worth the hassle. Are you sure? I thought only 25% of the income can - a...
by an_asker
Fri Feb 24, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Stay at home wife 401k question
Replies: 13
Views: 574

Re: Stay at home wife 401k question

avalpert wrote:[...]Do you already spend every dollar you aren't putting away in tax-preferred vehicles?

Or - I hope not - living a meager existence to fill up that $50+ tax-deferred bucket?
by an_asker
Fri Feb 24, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 42
Views: 3575

Re: Tell me about Alaska

OP When I said "through the mountain" I meant ***through*** the mountain-- you are going through a tunnel built during the war that carried material from the more protected sound to Anchorage --- Whittier was an old army base built in the area, the ruins of buildings are still there. Trai...

Go to advanced search