Search found 330 matches

by corner559
Mon Feb 08, 2016 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Flagship Investor with 700 credit score ?
Replies: 42
Views: 5158

Re: Flagship Investor with 700 credit score ?

When I sold my place and didn't have a mortgage on my credit report anymore, my rating took a 100 point dive that still hasn't recovered.
by corner559
Sat Feb 06, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 73
Views: 6392

Re: Anyone travel without hacking?

FF miles pay for upgrades and other website booking site award points sometimes pay for some hotels. Most of my travel is out of my pocket, and I don't regret a dime spent. :D
by corner559
Sun Jan 31, 2016 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Will or Trust necessary for a single person with no kids?
Replies: 21
Views: 1719

Re: Is a Will or Trust necessary for a single person with no kids?

I actually was wondering the same thing. Am curious as to what the rough cut off point would be when a will is no longer sufficient and a trust would be better suited to your needs.
by corner559
Sun Jan 31, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: I got let go yesterday
Replies: 44
Views: 7585

Re: I got let go yesterday

I was in my 30's when I made a huge career change. Is what I found is that there were a lot more transferable skills than I ever could have imagined, and I think one key (among many) is finding another field where your skills can transfer, even when that seems unlikely at first. If I had gone into s...
by corner559
Fri Jan 29, 2016 1:07 am
Forum: Personal Consumer Issues
Topic: Should I forward mail to Spain
Replies: 10
Views: 892

Re: Should I forward mail to Spain

I would say it depends on what it is you expect to receive in the mail. These days so much is done electronically that you might be able to wait a couple of months. I'm overseas, but all of my bills and tax forms are done electronically, so I don't need to see the paper versions. The only thing I do...
by corner559
Thu Jan 28, 2016 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: FEIE using Turbo Tax
Replies: 3
Views: 159

Re: FEIE using Turbo Tax

You may be getting hit by the stacking rule. Income excluded by the FEIE is not taxed itself, but is used to calculate the overall tax bracket. So it may be pushing unexcluded income into a higher bracket. So let's say my income from US-based businesses is $10,000 and my foreign income is $50,000, ...
by corner559
Thu Jan 28, 2016 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: FEIE using Turbo Tax
Replies: 3
Views: 159

FEIE using Turbo Tax

I'm using Turbo Tax and qualify for the FEIE and it says that all of my foreign income is excluded from taxes. However, I notice that when I entered my foreign income, my tax liability jumped several hundred dollars. Granted, it only accounts for about 2% of the total, but I thought that meant my ta...
by corner559
Sat Jan 16, 2016 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing while prices are quickly changing
Replies: 5
Views: 874

Re: Rebalancing while prices are quickly changing

livesoft wrote:Have you calculated how your allocation would change if prices were about 2% different than you expected? Your asset allocation doesn't need to be more precise than about 2% to 5% anyways. That is, this is not horseshoes nor hand grenades.

+1
by corner559
Sat Jan 16, 2016 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: How's it going?....any self-doubt?
Replies: 47
Views: 3852

Re: How's it going?....any self-doubt?

80/20 Stocks/Fixed and I'm down about 7% so far this year. When the crisis hit in 2008 I was almost 100% stocks and stayed the course and stuck with my IPS (as most people here do) so I don't understand why people think this time would be any different. That's what an IPS is for.
by corner559
Sat Jan 16, 2016 2:54 am
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 10730

Re: Who's buyin' today?

I see this as a good opportunity for me to move more funds from my R/O IRA to my Roth IRA.
by corner559
Fri Jan 15, 2016 11:06 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 127
Views: 12441

Re: I'm Calling an Emerging Markets Bottom

This is the time of year I usually do rebalancing. My EM allocation is 5% off target so I'll be pouring more money into that asset class. I figure if it is a bottom and that sector comes back, I'll be well positioned. If it doesn't, I'll keep putting money into it in line with my IPS.
by corner559
Fri Jan 15, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 85
Views: 724

Re: Vanguard.com

I'm also having issues logging in. It just says "Your account information is temporarily unavailable."
by corner559
Mon Jan 11, 2016 2:52 am
Forum: Investing - Help with Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 4039

$1.3 Billion Jackpot - How would you invest it?

As a Boglehead, how would you invest a 1.3 billion dollar windfall after all the taxes had been taken out?
by corner559
Mon Dec 28, 2015 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor ROTH IRA Writeoff
Replies: 1
Views: 282

Backdoor ROTH IRA Writeoff

I know that I will owe taxes on the money that I convert from my rollover IRA over to my ROTH. Was wondering if anything can be written off against the taxable amount due to the conversion? Would that money considered earned income?
by corner559
Sun Dec 27, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 8066

Re: Writing checks - a Bogleheads thing to do?

... I think that I will stick to using my credit card that gives me the float and 2% back. But wanted to see if any Bogleheads write checks, and if there any benefits I am missing. Writing checks may slow unnecessary spending for the many reasons noted here, while credit cards may increase it. I ha...
by corner559
Sun Dec 27, 2015 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 8066

Re: Writing checks - a Bogleheads thing to do?

... I think that I will stick to using my credit card that gives me the float and 2% back. But wanted to see if any Bogleheads write checks, and if there any benefits I am missing. Writing checks may slow unnecessary spending for the many reasons noted here, while credit cards may increase it. I ha...
by corner559
Sun Dec 20, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Should I just give my wife (folded) money?
Replies: 76
Views: 8898

Re: Should I just give my wife (folded) money?

Get a Roomba from Hammacher Schlemmer. Yes, you'll pay tthe full retail price, but the lifetime guarantee is priceless. Robot vacuum cleaners are amazing. Robot maintenance is not. When it starts acting up in 2 years, send it back to them for a full refund towards your next generation Roomba. I thi...
by corner559
Tue Dec 08, 2015 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: How much money should I leave my kids?
Replies: 59
Views: 5813

Re: How much money should I leave my kids?

It's a little hard to give advice without knowing the amount or at least a ballpark. "Significant amount" is wide open to interpretation. To me significant amount would be north of at least $5 million. For someone else, it could be much less or much more depending on who the person is.
by corner559
Thu Dec 03, 2015 1:55 am
Forum: Personal Consumer Issues
Topic: How do high earners get rid of their junk?
Replies: 59
Views: 8899

Re: How do high earners get rid of their junk?

Eveyrthing goes to either thrift stores that support a worthy cause or a local charity if it's something like computer equipment that I'm replacing. It's too much hassle to sell it on Ebay or Craigslist for the small gain I would get.
by corner559
Thu Nov 26, 2015 6:43 pm
Forum: Personal Consumer Issues
Topic: I received 'Money' magazine for free. Anyone read it?
Replies: 40
Views: 4237

Re: I received 'Money' magazine for free. Anyone read it?

MONEY and KIPLINGERS publish the same things, over and over: "Top Mutual Funds NOW!" ... "Five Best Places to Put Your Money." ... "Best Cities For Retirement." ... "Least Expensive States For Your Sunset Years." ... "Top Dividend Stocks" ... etc. H...
by corner559
Wed Sep 30, 2015 10:41 pm
Forum: Investing - Theory, News & General
Topic: Which single book would you recommend for an investing novice?
Replies: 35
Views: 3115

Re: Which single book would you recommend for an investing novice?

Best investment book for beginners I've ever read is the Random Walk Guide to Investing (not to be confused with the Random Walk Guide to Wall Street). It's the book that opened my eyes to the Boglehead world. It's a quick read and can be finished in just a day.
by corner559
Wed Sep 23, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: What should I do with this $1500 IRA
Replies: 11
Views: 794

Re: What should I do with this $1500 IRA

How is the rest of your money allocated now? How does that square up with your IPS? What other extenuating circumstances do you have that are competing for these dollars?
by corner559
Wed Sep 23, 2015 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: What should I do with this $1500 IRA
Replies: 11
Views: 794

Re: What should I do with this $1500 IRA

I guess that depends on how that $1500 fits in the bigger picture of your IPS.
by corner559
Mon Sep 14, 2015 12:45 am
Forum: Investing - Help with Personal Investments
Topic: IRA Rollover Penalty
Replies: 4
Views: 524

Re: IRA Rollover Penalty

Many thanks to you guys for clarifying!
by corner559
Mon Sep 14, 2015 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Am I being too stingy for a high-income household?
Replies: 223
Views: 17999

Re: Am I being too stingy for a high-income household?

Like the other post about the 30-something with x millions of dollars who wondered if he was doing okay, I think you already know the answer without having to ask.
by corner559
Thu Sep 10, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Hepa Air Purifier Recommendations?
Replies: 9
Views: 604

Re: Hepa Air Purifier Recommendations?

I use a Vornado that I love that I got off of Amazon. It's especially good at completely removing any smells (whether good or bad) from the room where I place it. I actually just replaced the filter and was amazed at how much filth it filtered out when I compared it to the new replacement filter. Wh...
by corner559
Thu Sep 10, 2015 8:59 am
Forum: Investing - Help with Personal Investments
Topic: IRA Rollover Penalty
Replies: 4
Views: 524

IRA Rollover Penalty

I came across this interesting article on the Forbes website about the IRS only allowing a rollover once per year (see link for details) and I was wondering if this might also be applicable for anyone wanting to do a back door Roth contribution. http://www.forbes.com/sites/janetnovack/2014/03/25/got...
by corner559
Tue Sep 08, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Rates for a good language instructor.
Replies: 6
Views: 558

Re: Rates for a good language instructor.

I don't know where you're located, but where I am the going rate is about $40-$50 per hour. $20-$25 seems way too low to me.
by corner559
Sun Sep 06, 2015 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Expat: Vanguard declines to give advice. Move to Schwab?
Replies: 16
Views: 2275

Re: Expat: Vanguard declines to give advice. Move to Schwab?

You should get an internet-based number with a US area code which is very easy to get through Skype.
by corner559
Tue Sep 01, 2015 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 6739

Re: If stocks dropped 30% next Monday, would you rebalance?

No, I wouldn't rebalance. I rebalance just 2 times per year, at the start of the new year and in July and only if I'm under/over my allocation by more more 5%. Who knows. It could drop 30% one day and then jump back up the next. You just never know.
by corner559
Thu Aug 20, 2015 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Transamerica 401K Choices - HELP!!
Replies: 18
Views: 1254

Re: Transamerica 401K Choices - HELP!!

I would definitely go with the VG Target Date funds. That said, there's a VERY large discrepancy between what VG's expense ratios are and what your'e getting charged in your 401K. Makes you wonder whose pockets all that extra is going to.
by corner559
Thu Jul 16, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1557

Re: Needing an External Drive

Sorry, but I would disagree about brand being unimportant. I would highly recommend against getting an off-brand to save money. I've found that similar with the memory cards I buy, the no-name brand products work fine but sometimes fail or have retrieval issues. I would stick with a well-known brand...
by corner559
Wed Jul 15, 2015 1:40 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 7489

Re: I tipped 15% and got a dirty look

In the States I always tip 20% unless the service was terrible. As for tipping, it's time that restaurants pay their wait staff a living wage and do away with tipping entirely. As for the argument about worse/better service, I've found that in cultures where tipping is not the norm the service is us...
by corner559
Tue Jul 07, 2015 6:35 pm
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 7248

Re: Aren't we obsessing way too much about our portfolios?

kenschmidt wrote:I haven't changed my asset allocation in over 10 years at this point. Eventually the newness wears off and you end up just posting in the gardening or car threads. :D

LOL! So true!
by corner559
Thu Jul 02, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 62
Views: 5809

Re: Learning Spanish

There are also several smartphone apps that you can buy where you make your own flashcards. I've used these in the past and practiced when I had down time.
by corner559
Tue Jun 16, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 10291

Re: Best "All Around Lens" for Nikon DSLRs?

When I had a DX Nikon camera I also used the 18-200mm lens that a few others have mentioned. Yes, there are some compromises and it's slightly softer around the edges but it's a good all-purpose lens.
by corner559
Mon Jun 15, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 4622

Re: Comfortable shoes for work

I also like Ecco's. I've bought many, many pairs over the years for both work and hiking and think they're the best shoes out there for comfort and support.
by corner559
Sun Jun 07, 2015 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Are VG Target funds shifting too much to Int'l Stock fund?
Replies: 40
Views: 4126

Re: Are VG Target funds shifting too much to Int'l Stock fund?

The target allocation is exactly where it should be IMHO.
by corner559
Wed May 27, 2015 9:30 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7899

Re: Once in a life time trip.

I would take them to Tanzania to see the Serengeti and all its amazing wildlife. Before we went we did a ton of research and found that to have the the best game viewing in Africa (though I'm sure others might disagree). The trip was one of the best, and most educational, I've ever taken.
by corner559
Thu May 21, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 74
Views: 5503

Re: Career Advice: Follow "Passion" or Follow the Money?

Everyone is different and has different needs and desires in life, but for me following passion was absolutely the best choice. I worked in finance for many years making a lot of money with nice bonuses annually but hated what I did. I sold everything, moved abroad and now teach English for a fracti...
by corner559
Wed May 13, 2015 8:15 pm
Forum: Personal Consumer Issues
Topic: Looking for Cloud Storage Solution for Photo Back Ups
Replies: 20
Views: 2014

Re: Looking for Cloud Storage Solution for Photo Back Ups

I use Backblaze and have been very happy with it.
by corner559
Mon Apr 27, 2015 6:29 pm
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 7376

Re: Been invited to wedding in Disney World. My cost?

Unless I was close to that former co-worker, I would absolutely not go. I don't even go to local weddings unless I know either the bride or groom well.
by corner559
Thu Apr 23, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: 1 day in San Francisco, no car
Replies: 29
Views: 2052

Re: 1 day in San Francisco, no car

Agreed with above poster, avoid the Wharf. You can probably get on the BART without a pass, it's frowned upon, but loads of people do it. Clarion Alley if you want to see some graffiti murals. Also Folsom north of 24th has some good murals as well. The 16th ave tile stairs are pretty cool, be sure ...
by corner559
Fri Apr 17, 2015 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 60
Views: 5262

Re: Would you buy 1.5 M house without AC?

I can't imagine paying that much for no central heat/AC. That said, there are times of the year where you will want AC in the summer and heat in the summer. Contrary to what others have said, no AC in the summer is not fun. Nor is shivering in the winter. Granted, it doesn't get hot or cold like it ...
by corner559
Wed Apr 15, 2015 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: 24 y/o military -- Target Date vs. 3 Fund Portfolio Advice
Replies: 13
Views: 1455

Re: 24 y/o military -- Target Date vs. 3 Fund Portfolio Advi

I personally prefer owning the funds separately due to the lower cost Admiral shares available. It also gives you more flexibility if you think the Target Date funds are overly conservative/risky depending on your circumstances.
by corner559
Sun Mar 22, 2015 11:13 pm
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 5914

Re: How does one increase their typing speed and accuracy?

The way I did (and continue to do) it is LOTS of IMing with friends and family on AOL back in the day and now FB. Practice makes perfect.
by corner559
Sun Mar 22, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: Backup your data!!!!
Replies: 1
Views: 579

Backup your data!!!!

I just had a potential disaster that was averted because I back up my HD to cloud storage. I'm sharing this story with everyone because I think it's important for everyone to backup their data OFF SITE. I have a program that I use to keep work-related notes. Long story short, the file that contains ...
by corner559
Tue Mar 17, 2015 8:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4820

Re: Vanguard - The New Bond King - WSJ

Unless you are a WSJ subscriber you can't read the article.
by corner559
Tue Mar 10, 2015 6:25 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 40169

Re: Will you buy an Apple Watch?

I don't see the point when my iPhone is in my pocket. A total waste IMHO.

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