Search found 1374 matches

by an_asker
Tue Feb 21, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: economics of landlording
Replies: 44
Views: 3382

Re: economics of landlording

As a novice in this field, I'm still trying to get my head around the idea that a property can be a better investment when it's mortgaged, a worse investment when it's paid for, and paying off the loan at some future date can have the effect of making an otherwise good investment into a bad one. Le...
by an_asker
Tue Feb 21, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How to decisively determine HCE status
Replies: 18
Views: 1058

Re: How to decisively determine HCE status

That said, if you are an "HCE", that means you cannot contribute to the limit otherwise allowed by the law. What your new max is, however, depends on the factors you mentioned, such as what proportion of the non-HCEs are contributing, how much they are contributing etc. That's not accurat...
by an_asker
Mon Feb 20, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to decisively determine HCE status
Replies: 18
Views: 1058

Re: How to decisively determine HCE status

That said, if you are an "HCE", that means you cannot contribute to the limit otherwise allowed by the law. What your new max is, however, depends on the factors you mentioned, such as what proportion of the non-HCEs are contributing, how much they are contributing etc. That's not accurat...
by an_asker
Mon Feb 20, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 21
Views: 1187

Re: Tell me about Alaska

The airfare to Alaska has slightly dampened my enthusiasm. Wondering if these are it, or whether the fares will drop for summer. I thought we could take advantage of frequent flyer miles; however, looks like that's out of the question based on the checks I did. I am puzzled why gas prices are higher...
by an_asker
Sun Feb 19, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 56
Views: 2976

Re: Long Day Trip: Drive Old Car or Rent Car?

In college I had a car that was a total piece of junk and I had no problem hopping in and doing a 1500 mile trip. And then a 5000 mile trip (Chicago-LA-Chicago.) When I was on college I did all kinds of stuff I wouldn't hold up as model activity today! Lots of it involved cars and road trips. If yo...
by an_asker
Sun Feb 19, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 16
Views: 1701

Re: Re-applying for same job?

Traveler wrote:Why did you leave that employer to begin with?

+1! I wouldn't stomach going back to an ex-company especially working under a peer. Mostly, I've seen folks doing the job circuit and returning to a higher position than the one they left - even folks who got laid off!! YMMV, of course.
by an_asker
Sun Feb 19, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 56
Views: 2976

Re: Long Day Trip: Drive Old Car or Rent Car?

[...] There are probably people in southern California who drive 275 miles as a daily round trip commute... Exactly this. My commute alone is 500 miles/week, if we go to LA to see a concert it can easily be 1000 miles that week. Indeed I can't believe there's a thread for this topic . And we're fac...
by an_asker
Sun Feb 19, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 56
Views: 2976

Re: Long Day Trip: Drive Old Car or Rent Car?

On the contrary, OP would be renting to avoid paying "new car insurance" for a car that he would at most need to use, realistically, 6-12 times a year! Where do you draw the line on this? You are suggesting the OP rent a car every time they make a 4 hour round trip drive. Should they rent...
by an_asker
Sat Feb 18, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 56
Views: 2976

Re: Long Day Trip: Drive Old Car or Rent Car?

[...]Why would you rent a car just to avoid putting 275 miles on it? If it cant make it reliably for 275 miles then you should get a new car. Second, it'll depreciate just sitting in your driveway whether you drive it or not. Third, it's a Toyota Corolla with 125k miles, it's not worth a fortune an...
by an_asker
Fri Feb 17, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3270

Re: I want to ditch the cable company's modem

I have a confession to make... and this may result in my Boglehead credentials being revoked. The ugly truth is that I've been spending 8 bucks a month to rent a modem from the local cable company. This has been going on for the past 3.5 years. :oops: [...] I still have my credentials though we ren...
by an_asker
Fri Feb 17, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 21
Views: 1187

Re: Tell me about Alaska

[ The short(?) cruise trip from Seward on to the Kenai Fjord area sure sounds good. Correct me if I am wrong, but an overcast/rainy day should not take away too much of the fun out of it, right? In the sense that you would still get to see whatever (glacier/fjords?) you are there to see, but it wil...
by an_asker
Fri Feb 17, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to decisively determine HCE status
Replies: 18
Views: 1058

Re: How to decisively determine HCE status

[...]Just by becoming HCE does not necessarily limit your ability yo max out to 401(k). It is when you combine your HCE status with other facts like how much non-HCE is contributing etc, you know whether you will be impacted. So, as per my understanding Jack FFR1846 is HCE, but not impacted in 401(...
by an_asker
Fri Feb 17, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: FL prepaid plan(4-Year Florida University Plan)
Replies: 21
Views: 1650

Re: FL prepaid plan(4-Year Florida University Plan)

I've two young kids and I'm choosing this Florida Prepaid route with one lump sum this enrollment cycle and another lump sum on the next cycle. If my kids enroll elsewhere, I'll get the money back with about what I would have spent on in-state tuition. This is one of those deal-breakers if it won't...
by an_asker
Fri Feb 17, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 21
Views: 1187

Re: Tell me about Alaska

There are gas stations all over the place. RVs have a bigger gas tank so can go about the same distance as cars before a fill up. As for driving one. The class C which is what most of the rental are have the same front end as a chevy or ford van. Just longer and wider. They are pretty easy to drive...
by an_asker
Fri Feb 17, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 21
Views: 1187

Re: Tell me about Alaska

One caution is that the one-way drop-off fees for car rentals were a surprise. (In my state, we can rent and drop anywhere without a drop fee.) We flew into Fairbanks, and would have loved to be able to drive down to Anchorage except for that fee. So we flew into Fairbanks, rented and returned a ca...
by an_asker
Fri Feb 17, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 21
Views: 1187

Re: Tell me about Alaska

ponyboy wrote:Alaska is cold in the winter...long days/sun in the summer. Lots of mosquitoes in the spring.

For a group from India/Florida, even mid July would be COLD, believe me!! I hate mosquitoes. Hopefully, they attain nirvana by July!
by an_asker
Fri Feb 17, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 21
Views: 1187

Re: Tell me about Alaska

I've rented an RV many times on our annual Alaska adventure. The 30 footers can be a bit difficult to manouver into gas stations and parking lots. I started with a 24 footer and that is much more manageable. However with 6 people you will need a larger RV. It takes a little practice but I think it'...
by an_asker
Fri Feb 17, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 21
Views: 1187

Re: Tell me about Alaska

Thanks for the responses. First couple of ToDos then - buy The Milepost and the Coupon Book. Having never driven anything bigger than a minivan before, I am a bit apprehensive about the RV. Is it easy to drive? I'm assuming that most road widths (even in Alaska) should not be a problem with the RV. ...
by an_asker
Fri Feb 17, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding 401k rate of return?
Replies: 11
Views: 693

Re: Understanding 401k rate of return?

Ignore it, try not ever glance at it. They may describe how it is calculated, it may include contributions or not, it may be annualized or not, it may be a geometric averaged or not - it still doesn't matter. If you want to evaluate your portfolio's past returns do it on your own - but even that pr...
by an_asker
Fri Feb 17, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 21
Views: 1187

Tell me about Alaska

I am baaaack ... with my "Tell me about" series after the success with the Paris and Berlin versions :-) So, here we are, planning a trip to Alaska - our first and definitely not our last one to that yuuuge state! I have just under two weeks of vacation to use for the trip (and those are t...
by an_asker
Wed Feb 15, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 19
Views: 1685

Re: Bank of America HSA: new investment menu

Is this through your workplace or is it open to the public? If the latter, what are the gotchas/fees etc? Thanks!!
by an_asker
Wed Feb 15, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1672

Re: Mailed Speeding Ticket via Auto System - Not Driver

indexmeasap wrote:[...]
livesoft wrote:Sure, have the person who was speeding submit an affidavit stating that they were the driver along with your letter.

Are they legally liable?[...]

Surely someone is liable! What if there was a real live cop who stopped the car for speeding? Surely your DW would've gotten the ticket?
by an_asker
Wed Feb 15, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1672

Re: Mailed Speeding Ticket via Auto System - Not Driver

[...] 1. Who did have your car then? [...] 1. DW [...] For what it's worth, we've red light cameras in town, and DW and I are even at one ticket apiece. First she got ticketed when I committed the penalty driving the car that is registered in her name. A couple of months later, she returned the fav...
by an_asker
Wed Feb 15, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1672

Re: Mailed Speeding Ticket via Auto System - Not Driver

livesoft wrote:Sure, have the person who was speeding submit an affidavit stating that they were the driver along with your letter.

+1! Or OP could borrow the other person's car and commit a similar infraction. ;-)
by an_asker
Wed Feb 15, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2418

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

[...]You put an (ordinary income) dollar in the stack below the line. It gets taxed at 15%. But it also pushes the whole stack up, and another (different, cap gains) $1 that was being taxed at 0% is now being taxed at 15%. And from that we get our 15% + 15% = 30% - a new 'income' dollar and old 'ca...
by an_asker
Wed Feb 15, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 119
Views: 5924

Re: Credit cards vs. Cash

T-Wrench wrote:[...]I noticed that my bill started to be sent later and later in the month (once with a big company and once a local bank) until it was sent so close to when it was due that I finally made them some money.[...]

That was when?
by an_asker
Wed Feb 15, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 119
Views: 5924

Re: Credit cards vs. Cash

I buy almost everything with credit cards (and pay them off in full weekly) due to rewards. Several finance articles I've read say that paying with cash makes people spend a lot less money and hence save a lot more. Do most BH use cash for purchases or credit cards? Unless folks (and/or Bogleheads)...
by an_asker
Wed Feb 15, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Retire in my 30s?!
Replies: 34
Views: 5362

Re: Retire in my 30s?!

greg24 wrote:
HomerJ wrote:Everyone who is running their own business is "retired"?

The word is slowly losing all meaning.


I retired in my 30s. My biggest hobby is working 40 hours a week in return for a salary.

I retire home from work every evening ;-)
by an_asker
Wed Feb 15, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 8771

Re: -$280k Net Worth Has Me Up At Night

You may have almost $280K in debt, but your net worth is not -$280K. yes, phrased this the incorrect way - felt like a burden on my shoulders with the amount of debt but BH's are putting it into perspective once again. Looks like someone asked the question before I did. Now that it has been answere...
by an_asker
Wed Feb 15, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 8771

Re: -$280k Net Worth Has Me Up At Night

Evening BH’s, Below is a complete snapshot of our financials and a brief explanation of what’s going on– while my wife is going through school to become a nurse we currently save 26% of post-tax income. We recognize needs vs wants and do not sacrifice our savings rate. My concern is our negative ne...
by an_asker
Wed Feb 15, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting 401k contributions for bonuses and raises
Replies: 17
Views: 590

Re: Adjusting 401k contributions for bonuses and raises

[...]That fact that more employees don't complain suggests that many employees do not contribute the max and some that do cannot do math. This is so true everywhere, whether the employee makes $20k or $200k. At least the latter might not even bother caring about missing out on $200 (he/she might co...
by an_asker
Wed Feb 15, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting 401k contributions for bonuses and raises
Replies: 17
Views: 590

Re: Adjusting 401k contributions for bonuses and raises

[...]Where it got a little more complicated was when me and my wife qualified for the "catch-up" contribution after age 50.[...] A small, but pertinent, point if you really care about it! You are eligible for the catch-up contribution on January 1st of the year you turn 50 (even if you tu...
by an_asker
Tue Feb 14, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 4065

Re: Insane Bloodwork Cost (Quest Diagnostic)

[...]I have HDHP, it is a strange game. If you hit the out of pocket max in a year everything suddenly is "free", so you can go wild with non-urgent medical needs... OOP maxes exist with HMOs/PPOs as well, so it is not the stronghold of HDHP ;-) Granted, HDHP helps you get there quicker! ...
by an_asker
Tue Feb 14, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: 401k Record Keeping Fee
Replies: 87
Views: 10358

Re: 401k Record Keeping Fee

I still have my 401K with my former Mega Corp, I don't want to move it until I turn 59 1/2. Brightscope gives the plan an 86 rating and the fees avg around $160 dollars per quarter. The plan has 11,000 participants You do realize why that plan gets a rating of 86, don't you? [I say that while I hop...
by an_asker
Mon Feb 13, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 4065

Re: Insane Bloodwork Cost (Quest Diagnostic)

Just call the insurance as well as the lab - multiple calls might be needed. DW had a similar issue - she accidentally went to the wrong lab (we had changed insurance a few months ago), and got a bill of IIRC $400-something. I think the insurance folks were nice about it and took care of it. But for...
by an_asker
Mon Feb 13, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Is 130k a good salary in IT?.
Replies: 40
Views: 5352

Re: Is 130k a good salary in IT?.

[...]The OP's husband works at a manufacturing company so in many ways his pay will be looked at as overhead where there is little need for a superstar. Higher salaries for technical workers are much easier to justify at software or consulting companies where the worker is seen as an asset that dir...
by an_asker
Thu Feb 09, 2017 11:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 246
Views: 8389

Re: Your USER NAME...what does it mean?

Once in a while, I answer as well ;-)
by an_asker
Thu Feb 09, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: tax problem on once partially rented primary home
Replies: 4
Views: 354

Re: tax problem on once partially rented primary home

According to IRS Determine whether the business or rental space still counts as a business space. A space formerly used for business is considered residence space if ALL of the fol-lowing are true: You weren’t using the space for business or rental at the time you sold the property, You didn’t earn...
by an_asker
Thu Feb 09, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Anyone RingtoTinging?
Replies: 10
Views: 658

Re: Anyone RingtoTinging?

I don't plan to keep the lines on Ting but porting out of RingPlus seems to be backed up and not happening. Once on Ting, then I know that I can get to Tello or other. I'll use my $35 credit on Ting first. MintSIM is interesting. I've looked at them recently. Their 2gb plan is priced right. They ar...
by an_asker
Thu Feb 09, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Anyone RingtoTinging?
Replies: 10
Views: 658

Re: Anyone RingtoTinging?

[...]Ting has great customer service and their website and phone app are great. An H20 Wireless plan with Unlimited/Unlimited/3gb 4g data for $27 is a better use of my primary phone. If you only call and don't use much for texts or data, you'll be in that $10 to $20 range on Ting. Not bad. Your low...
by an_asker
Thu Feb 09, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Anyone RingtoTinging?
Replies: 10
Views: 658

Anyone RingtoTinging?

Soon to be ex-Ringplus customers: are any of you hanging around and getting moved to Ting (Ringplus or Ting - I don't know which - is offering a $35 credit, which should last at least a couple of months with Ting)? The way I look at it, it might be worthwhile to spend a few weeks at least with Ting ...
by an_asker
Thu Feb 09, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: tax problem on once partially rented primary home
Replies: 4
Views: 354

Re: tax problem on once partially rented primary home

I cannot claim to be able to respond to your question*, but I have a couple of my own. What is this loss carry forward? How does that work? Also, how does the tax law treat real estate that went from primary residence to rental property to primary residence once more (for at least two years?) before...
by an_asker
Tue Feb 07, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?
Replies: 87
Views: 7401

Re: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?

If you make $70,000 and get a $5000 raise you see more of it than if you make $300,000 and get a $5000 raise. The more money you make, the less incentive there is to make the same nominal amount of more money. Raises are handed in terms of percentage of pay. So, if a guy making $70,000 gets a raise...
by an_asker
Tue Feb 07, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: New mortgage advice
Replies: 9
Views: 502

Re: New mortgage advice

Hello, I will be closing on a new house in 6 weeks. I have locked in an interest rate of 4.125%.30 Year fixed. Purchase price is $307500 I have the option of putting down 20% or putting down 15%. If i put down 15% the monthly PMI would be $60/month until 80% LTV. I ask this because i had the extra ...
by an_asker
Mon Feb 06, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 47
Views: 2571

Re: ringplus mobile premium plans - what is your experience?

Let us assume that you use fewer than 300 texts per month (otherwise the unlimited will be cheaper; uninteresting). Indeed, the cost per text is $0.01/mo (ignore the discount here, so this is not a sharp estimate), so that for fewer than 300 texts you spend less than $3. Now, the main observation i...
by an_asker
Mon Feb 06, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 47
Views: 2571

Re: ringplus mobile premium plans - what is your experience?

For others, there is a new promo code for 30% off the first month: "RingPlus" Subtle. :twisted: GET50OFFNOW for 50% off a plan costing over $10. CL6TMP for 5% off a payasyou go top up. The corollary to the payasyougo top up is that it is not worth buying a plan with text message allotment...
by an_asker
Sat Feb 04, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Employer denying HSA to eligible employee
Replies: 35
Views: 3251

Re: Employer denying HSA to eligible employee

I do not believe these objections are correct. The OP isn't complaining about the employer not contributing to the partner's HSA because the employer doesn't contribute funds to any employee's HSA. No discrimination there. The OP wants the employer to allow the partner to contribute to the HSA thro...
by an_asker
Thu Feb 02, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Schwab reduces index mutual fund ER and trade commission
Replies: 43
Views: 3470

Re: Schwab trading/fund fee changes

I don't get this: Starting March 1, 2017, expenses for the Schwab market cap-weighted index mutual funds will be lowered to align with their Schwab ETFs™ equivalents3, which already have among the lowest expenses in the industry. From what I've read and understood, expense ratios are a backward loo...
by an_asker
Thu Feb 02, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Schwab reduces index mutual fund ER and trade commission
Replies: 43
Views: 3470

Re: Schwab trading/fund fee changes

I don't get this: Starting March 1, 2017, expenses for the Schwab market cap-weighted index mutual funds will be lowered to align with their Schwab ETFs™ equivalents3, which already have among the lowest expenses in the industry. From what I've read and understood, expense ratios are a backward look...
by an_asker
Tue Jan 31, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Small stock holding at ComputerShare
Replies: 12
Views: 979

Re: Small stock holding at ComputerShare

I think each firm has a customized relationship set up with Computershare. You will need to call them directly to find out how much you are in the hook for!

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