Search found 2865 matches

by rob
Wed Feb 21, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 19
Views: 983

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

For 5% I would not touch it..... Too much risk of loss for a small discount. I have used ESPP heavily in the past... but at a FAR greater discount with a trailing price. As long as OP remembers to sell ASAP there is essentially no risk of loss (yes the stock could open the next day >5% down from th...
by rob
Wed Feb 21, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 19
Views: 983

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

For 5% I would not touch it..... Too much risk of loss for a small discount. I have used ESPP heavily in the past... but at a FAR greater discount with a trailing price.
by rob
Tue Feb 20, 2018 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 41
Views: 3167

Re: Yikes, I waited too long, am I [too late]? 50k to invest

Sounds to me like you need a plan... that does not involve inheritance...
by rob
Sun Feb 18, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 2152

Re: GEICO Auto Shady Practice?

If you think they are "shady" now... wait until you make a claim. Fought with them recently and they are just plain trying to rip people off.... Use at your own risk if you ever need to make a claim.
by rob
Sat Feb 17, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Project Management - what certification?
Replies: 4
Views: 422

Re: Project Management - what certification?

3rd for PMP..... I'm EXTREMELY leery about the quality given the PMP certified people I have worked with... but it's THE cert for PM roles.
by rob
Sat Feb 17, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off ...next steps
Replies: 27
Views: 4150

Re: Laid off ...next steps

On the unemployment requirements; check what hoops you have to jump through. I had to register and attend some job search session.... otherwise they would cut you off at some point. For a professional it was old hat stuff but you just had to attend.
by rob
Thu Feb 15, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2981

Re: Rant about relocation mortgage assistance, and a question

I didn't see this mentioned and it's stupid but what about cash out refinancing the old place (based on OLD pay stubs :-) ) and use it to buy part of new then dump..... It might cost less than the cap gains??
by rob
Mon Feb 12, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance - and for how long?
Replies: 29
Views: 2012

Re: How much life insurance - and for how long?

I know this is mostly a life topic and I apologize for the OT but while your planning out how much life and whether to cover college costs etc... have a think about Disability Insurance and how that might intertwine here.... On the life topic... consider several policies from different companies rat...
by rob
Mon Feb 12, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Lower Payroll Withholding - What are you doing with it?
Replies: 32
Views: 2289

Re: Lower Payroll Withholding - What are you doing with it?

I slightly increased my auto investment :-)
by rob
Sat Feb 10, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring soon.....401K vs rollover to IRA?
Replies: 16
Views: 968

Re: Retiring soon.....401K vs rollover to IRA?

Neutron wrote:
Sat Feb 10, 2018 11:17 am
If you are under 59 1/2 leaving it in your 401k may allow you to withdraw money penalty free provided you are 55 or older. IRA will not.
While more involved - You can access the money via a SEPP. I believe that 55 rule is also plan dependent... so confirm with the plan admins.
by rob
Sat Feb 10, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Scotland/Ireland/Northern UK
Replies: 6
Views: 541

Re: Scotland/Ireland/Northern UK

Too hard to answer - I enjoy travel at a slower rate and don't enjoy the x countries in y days thing. I have done those but mostly to get a sampling that gives me areas to go back to. There are some great things in all of those locations
by rob
Fri Feb 09, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Started first big investment 2 weeks ago - Sell quick?
Replies: 29
Views: 1848

Re: Started first big investment 2 weeks ago - Sell quick?

If you are scared about recent changes; You may have over estimated your tolerance.... Just don't over-react...
by rob
Thu Feb 08, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5184

Re: What time do you go to work?

Each post will increment your post count by 1. Someone who is retired will brag that they don't have to work. Someone who is retired will brag that they get up even earlier now, but it's to do awesomer stuff. Early birds will establish their superiority in their own mind. Late risers will scoff at ...
by rob
Wed Feb 07, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Bluebird or request a second/third card
Replies: 8
Views: 527

Re: Amex Bluebird or request a second/third card

I have several of the same card issuer/type (not amex).

An alternate suggestion... How about those small 2-part remote sensors that squeal when too far apart... put one in your wallet and on on the car keys :-)
by rob
Tue Feb 06, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: what to do with patent plaques and other work awards?
Replies: 45
Views: 2771

Re: what to do with patent plaques and other work awards?

Mostly junk em. A couple the kids played with for a while. One I had in a fish tank for a bit :-)
by rob
Sun Feb 04, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 5694

Re: Potential employer wants me to give offer - how to respond?

It's a nonsense game from them - they have a salary band. What have you got to lose by going higher - you like your current role? This is the time to get a pay adjustment... once your there it's minor pay increases. Hit em :D
by rob
Sat Jan 27, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: What hourly consulting rate outside my day job?
Replies: 28
Views: 1463

Re: What hourly consulting rate outside my day job?

They are saying that since you have a day job you are worth less than another consultant? I suppose the logic is that a full-time consultant has to pay for their own health insurance. They also have significant "down-time", i.e when they have no work and not being paid by anyone. So th $100+/hour g...
by rob
Fri Jan 26, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Multiple portfolios?
Replies: 17
Views: 1365

Re: Multiple portfolios?

If you mean different methods for the same goal - no. I think this was called Core & Explore at some point in time. I just don't see the benefit to this approach.

If you mean having multiple objectives - retirement, college etc - Yes
by rob
Fri Jan 26, 2018 1:33 am
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 23675

Re: 401k millionaires

I think the term "millionaire" needs to be inflation adjusted, as it used to mean wealthy beyond reasonable comprehension :oops:
by rob
Tue Jan 23, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Negotiation with landlord
Replies: 9
Views: 907

Re: Negotiation with landlord

Running a tank completely empty could cause issues..... Your way is better :-)
by rob
Tue Jan 23, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to pay down mortgage, but...
Replies: 32
Views: 2942

Re: Trying to pay down mortgage, but...

So many banks make it difficult to do this for auto loans, home loans, you name it. I can't help but think it is intentional. :x Oh it is for sure.... To pay the full amount on some of my credit cards I had to call to have them snail mail me a form that I had to sign and snail mail back and wait fo...
by rob
Tue Jan 23, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth / step-transaction doctrine news: [Congress recognizes process]
Replies: 33
Views: 2618

Re: "Congress put its stamp of approval on [backdoor Roth]" - Forbes

So why don't they just explicitly remove the income restriction? It's the government. It doesn't have to make sense. Grrr...... I'm not able to do a backdoor but I don't know why this is not the bleeding obvious solution instead of some complex path... You have people in otherwise identical situati...
by rob
Tue Jan 23, 2018 2:05 pm
Forum: Forum Issues and Administration
Topic: Slow loading of pages.
Replies: 27
Views: 2387

Re: bogleheads.org irregularly slow response times

Yeah same symptom here.....
by rob
Tue Jan 23, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Have you ever acted on an instinct like this?
Replies: 30
Views: 3315

Re: Have you ever acted on an instinct like this?

It's got that smell about it does it not but how would I know. I've been doing rebalancing a little more often than usual - twice last year :-) That's as far as I'm prepared to go for market timing..... but I accept it's a small part of timing.
by rob
Tue Jan 23, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Swing Shift vs 8-5
Replies: 32
Views: 2085

Re: Swing Shift vs 8-5

I suspect your remembering the good parts :shock: I worked constant 2nd shift for a while and loved it... would do that again in a heart-beat but that is far from a 2 week or whatever rotation of times.
by rob
Tue Jan 23, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school
Replies: 42
Views: 3287

Re: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school

If you are technically and mathematically inclined, I would suggest joining a 3-6 month programming course at your local community college then slowly moving into Data Science<cut> This thought is pervasive here for some reason (maybe because it's a trendy topic now) but this is just unrealistic......
by rob
Sun Jan 21, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for a lay off - what steps to take now
Replies: 37
Views: 3618

Re: Preparing for a lay off - what steps to take now

First off... breath... it's a shock even when you know it's coming. I think you've got some great advice but one I didn't see; Do some crystal ball tax planning... Think about if you want the severance paid this year or next... You will have some amount of time to sign the paperwork after your last ...
by rob
Thu Jan 18, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Sicily, Ireland, or Portugal?
Replies: 3
Views: 383

Re: Sicily, Ireland, or Portugal?

Ireland is the biggie on that list..... So much to see if you've not been there.
by rob
Thu Jan 18, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7568

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

White Coat Investor wrote:
Thu Jan 18, 2018 7:32 pm
rob wrote:
Thu Jan 18, 2018 7:09 pm
I guess advertising is now allowed..... 3 pages of response and still not locked (tried to report but already done)....
I'm not sure you understand how advertising works. <cut>
lol - If you only knew... Yeah, I've got a better than average idea :D
by rob
Thu Jan 18, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7568

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

I guess advertising is now allowed..... 3 pages of response and still not locked (tried to report but already done)....
by rob
Mon Jan 15, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Advice On A Tour From Port Canaveral To Kennedy Space Center
Replies: 14
Views: 755

Re: Advice On A Tour From Port Canaveral To Kennedy Space Center

Get the pass and look at the add on's... We (meaning me mostly :-) ) loved getting out to the launch pad and walking around but it added some time. Cannot help from the port as we drove from Disney but seems easy way is uber.....
by rob
Mon Jan 15, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 115
Views: 9535

Re: Best 401k Employer Match Structure

I scanned the replies and think people got the wrong question (or maybe I just did)... As an employer , why would you not aim at the minimum tolerable while still attracting the talent you need. As an employer, I would do a longer vesting schedule and a 50% of x because it looks better than 100% of ...
by rob
Sun Jan 14, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Legal services via employment
Replies: 13
Views: 966

Re: Legal services via employment

I had them for a while a LONG time ago and it was great value... had POA, wills, living trust all done for zip. Just confirm what is covered now.....
by rob
Sat Jan 13, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Car recommendations needed for growing family
Replies: 34
Views: 2108

Re: Car recommendations needed for growing family

Suck it up and accept your driving life is over until your old - get a minivan :o
by rob
Sat Jan 13, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Preservation after an 8 year bull market
Replies: 17
Views: 2051

Re: Capital Preservation after an 8 year bull market

I try to put as much stocks in Roth and taxable as possible because growth in Roth is tax free and growth in taxable could qualify for long term capital gain which is taxed as a low rate. I see this stock in roth due to tax-free a lot here.... The flip side is there is no tax sharing of losses :-) ...
by rob
Sat Jan 13, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 2967

Re: Will never not upgrade Business travel again

Jags4186 wrote:
Sat Jan 13, 2018 10:50 am
If I had to travel frequently for work and needed to spend my own money to upgrade for me to be comfortable I would look for a new job.
Agree... I do upgrade using point I've acquired due to work.... but that's mostly because I'm never able to use them when we do personal travel.
by rob
Sat Jan 13, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Consulting side gig while at mega corp
Replies: 25
Views: 2245

Re: Consulting side gig while at mega corp

Depends on what you signed... most of the time you would have to have signed something that says your mega-corp owns any ip developed by you etc. SOME will let you do stuff after hours, some will not.
by rob
Tue Jan 09, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Does a UGMA do for me what I want?
Replies: 23
Views: 1010

Re: Does a UGMA do for me what I want?

Not really..... Yes mostly on controlling the assets but cap gains, dividends etc would need to be coordinated with the parents. UTMA/UGMA are different ages in different states.... so 21 is not always the age when the minor will gain control. Also might affect any future college needs based financi...
by rob
Sat Jan 06, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Premium for $99
Replies: 33
Views: 2990

Re: Morningstar Premium for $99

No...
by rob
Sat Jan 06, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: portable chargers for electronic devices
Replies: 35
Views: 1891

Re: portable chargers for electronic devices

There are lots of high capacity battery packs but what about a UPS... You can run laptops or anything else for a bit (doubles to give you a nice shutdown for computer).

Link to Amazon
by rob
Wed Jan 03, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Aggressive investing in Roths.
Replies: 12
Views: 1229

Re: Aggressive investing in Roths.

You setup IRA's for adults? Chasing funds is a waste of time IMO (yeah everyone knows population aging and healthcare fund will do well).

The funds would need to fit into whatever the adults have planned for retirement....
by rob
Wed Jan 03, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9848

Re: Effects of extreme cold weather

Car "doors" are just funny in a mini-van with those sliding doors... Great in summer but in winter not always easy to open :(
by rob
Wed Jan 03, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 68
Views: 4974

Re: State Farm vs Geico

I had a recent claim with Geico..... Please do yourself a favor and avoid at all costs... They are cheap for a reason. I'm in the middle of a state complaint against how they handled the claim. Bottom line, they lowballed the value, cheated on options clearly on the car, very aggressive about gettin...
by rob
Mon Jan 01, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Money from Roth 401k to Roth IRA, when does it make sense?
Replies: 3
Views: 264

Re: Transferring Money from Roth 401k to Roth IRA, when does it make sense?

Given your occupation.... Check carefully the creditor protection differences between an IRA and a 401K.
by rob
Sun Dec 31, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 5987

Re: What is your threshold for paying down debt?

Lack of debt gives me options; It's not fear or any other thing you imply.... My post argues otherwise. No clue on your financial situation but young people aggressively paying down low interest rate debt at the expense of building liquidity in a taxable account might have a lot less options if the...
by rob
Sat Dec 30, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 5987

Re: What is your threshold for paying down debt?

Lack of debt gives me options; It's not fear or any other thing you imply....
by rob
Fri Dec 29, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: How to properly make 2017 Roth contributions in early 2018
Replies: 5
Views: 377

Re: How to properly make 2017 Roth contributions in early 2018

I cannot speak to auto payments (you prob have to talk to them)... but one off payments - you select the applicable year as part of the transaction, so just ensure that you select 2017.
by rob
Thu Dec 28, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 18681

Re: Do people still use AAA?

I've thought about doing this, but the problem is I have an electronic key fob, not an actual key that inserts into a lock, and if the key fob is anywhere within a short distance of the car, the doors will open. So, how do I put an electronic key fob in a hide-a-key somewhere under the car, anyone ...