Search found 24 matches

by bogglizer
Tue May 23, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 73
Views: 7707

Re: i am my own "guy," but not sure I should advertise that

Is it weird that I don't know anyone with a "guy?"
by bogglizer
Fri May 19, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3020

Re: What are the powers of HR in a company?

I feel like a middle ground can be found between HR=Friends and HR=Enemy to be avoided at all costs. In almost any situation, HR is in a position to commit catastrophic damage to your career. The risk associated with not knowing the true motives of HR make for a bad addition to your portfolio, give...
by bogglizer
Sat May 06, 2017 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Life insurance as retirement policy
Replies: 22
Views: 1902

Re: Life insurance as retirement policy

Given that this is supposedly a life insurance policy, there should be a payout amount, which you didn't list. She could, in any given year, buy term insurance for some cost, depending on her age. This term cost should be built in to the life insurance scheme, and is probably that missing money you ...
by bogglizer
Fri Apr 07, 2017 12:25 am
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1753

Re: HDHP's - Does your employer offer them?

I would surmise that high deductible plans are only offered by companies that have a significant number of highly compensated ($120K+/yr) employees. Those employees are the main consumers of HSAs, for tax reasons.
by bogglizer
Fri Apr 07, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Calif Tax Refund Length of Time to Receive
Replies: 19
Views: 1102

Re: Calif Tax Refund Length of Time to Receive

I used TurboTax and requested the refund go directly into my bank account. A month later, I got a check in the mail.
by bogglizer
Tue Mar 07, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: What degree of stock market decline would tempt you to deviate from your AA?
Replies: 87
Views: 6133

Re: What degree of stock market decline would tempt you to deviate from your AA?

I rebalanced quarterly, even through 2008 and on. So I guess I am a stick-with-it sort.
by bogglizer
Tue Mar 07, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 15636

Re: How Much in Your Emergency Fund And Is It Used?

I keep $5K in the bank and a $100K home equity line of credit (HELOC). I never use use credit cards as a debt management tool.
by bogglizer
Sun Mar 05, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 3437

Re: Describe your Reasonable Dream Home

Howl's Moving Castle. Has one door that opens in Banff, one door to a beach in Hawaii, one door to Paris, and one door into San Francisco. Oh, you said reasonable? Drat.
by bogglizer
Sun Feb 19, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software for Mac
Replies: 3
Views: 317

Re: Tax software for Mac

You get one free state, and have to purchase the rest.
by bogglizer
Sun Feb 05, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 4321

Re: mattresses and alcohol (bourbon, scotch, whiskey)

I've heard that mattresses should be changed every N years. Our mattresses must be older than 50 years, may 60+. They work fine, but I've never spilled whiskey on them.
by bogglizer
Sun Feb 05, 2017 1:55 am
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 61
Views: 5243

Re: Does anybody else out there still pay for an email address?

I pay for Fastmail (fastmail.com). Have a family plan, and my own domain. Well worth it. Fastmail doesn't scan my email like google and friends, and the prying eyes of the US gov't can't read my mail, since it is stored in Australia, which doesn't allow foreign spying on email. Not that my email is ...
by bogglizer
Sun Feb 05, 2017 1:50 am
Forum: Personal Consumer Issues
Topic: What bulk nuts do you buy and from where?
Replies: 26
Views: 2458

Re: What bulk nuts do you buy and from where?

Stay away from Sprouts cashews from the bulk bins. They are heavily soaked in peanut oil, and pretty much taste like peanuts.
by bogglizer
Thu Jan 05, 2017 9:38 pm
Forum: Investing - Theory, News & General
Topic: Skeptical of the hidden risk in Value - convince me
Replies: 37
Views: 2661

Re: Skeptical of the hidden risk in Value - convince me

I have always thought that it isn't that value stocks out-perform, but that growth stocks under-perform. The under-performance is because the evaluations are based on poorer quality estimates of future growth. In other words, growth stocks are not as close to the efficient frontier as value stocks, ...
by bogglizer
Thu Jan 05, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1769

Re: Cookies that don't go away

"Self-Destructing Cookies" is your friend. It is a firefox add-on that just deletes all cookies a few seconds after you navigate away from a page. So everything works while you are there, and nothing gets left behind unless you whitelist it.
by bogglizer
Thu Dec 22, 2016 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: HSA accounts
Replies: 9
Views: 1621

Re: HSA accounts

I went through researching various HSA's a few years ago and came to the conclusion that all of them are a mediocre deal, with steep fees and hidden expenses. I think this is because there are a lot of paperwork costs associated with HSA's. They are a better deal if your employer pays the fees. Even...
by bogglizer
Sun Dec 11, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Portfolio
Replies: 5
Views: 816

Re: HSA Investment Portfolio

Fantastic. I'll start off with that.
by bogglizer
Sat Dec 10, 2016 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Portfolio
Replies: 5
Views: 816

Re: HSA Investment Portfolio

I would like to consider this as separate from other investments. I do have $600K+ in a Vanguard IRA, and my employer contributes to a 401(k) without requiring a match.

My employer pays the fees. I just have to pay extra for decent funds.
by bogglizer
Sat Dec 10, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance without knowing income
Replies: 31
Views: 2692

Re: Health Insurance without knowing income

My solution for several years of self employment was to ditch Obamacare and go commando. It may sound odd that not knowing my income was a major factor in my decision, but it was. Worked out really well, though.
by bogglizer
Sat Dec 10, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 79
Views: 7982

Re: Men's Fashion - Best Bang for Buck

I used to go to Nordstroms, but the quality has dropped. Now I mail order from PaulFredrick.com.
by bogglizer
Sat Dec 10, 2016 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Portfolio
Replies: 5
Views: 816

HSA Investment Portfolio

I just started a new job that gives me access to an HSA at HealthEquity.com. I have transfered $3K from my previous HSA and am maxing out contributions, so am adding another $6K+ per year. I won't retire for at least another 12 years, and everyone in the family is in good health. Our pre-tax health ...
by bogglizer
Tue Sep 27, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Accounting question about equity
Replies: 10
Views: 879

Re: Accounting question about equity

Thanks, all. So the real answer is that real_equity = program_equity + assets - liabilities. (Sorry for calling it debt). I was confused by the two different equities.
by bogglizer
Mon Sep 26, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Accounting question about equity
Replies: 10
Views: 879

Accounting question about equity

I keep all my financial information in a double-entry accounting program (gnucash). There are five types of accounts: income, expense, debt, asset, and equity. I know that, when I first started accounting for everything, any assets or debts I held on day one were balanced by a matching entries in eq...
by bogglizer
Wed Aug 17, 2016 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Moving 401(k) to Vanguard IRA
Replies: 6
Views: 612

Re: Moving 401(k) to Vanguard IRA

There's the form I need. Fantastic! Whenever I called, the person said that I needed to talk to someone else, but there was a 30 minute wait.
by bogglizer
Tue Aug 16, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Moving 401(k) to Vanguard IRA
Replies: 6
Views: 612

Moving 401(k) to Vanguard IRA

I have a CREF 401(k) with a former employer that I want to roll over into my Vanguard IRA. I cannot for the life of me figure out how to do this from the Vanguard web pages, and every time I phone them, even on the Voyager Select number, I get someone clueless. Does anyone know what I do to make thi...

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