Search found 2482 matches

by simplesimon
Wed Feb 10, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Eliminating disability riders
Replies: 2
Views: 189

Re: Eliminating disability riders

Averages don't work well in assessing your own particular situation. Insurance is best for worst-case scenarios. $1,000/year doesn't seem like much considering the amount of coverage and guaranteed premium. Of course, go for it if you're less risk averse.
by simplesimon
Thu Jan 28, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 215
Views: 11277

Re: Do you pay for exercise?

It doesn't take superior genetics for someone to eat less calories than they burn per day. Spoken like someone that has not had a tough time losing weight. It isn't that simple for some. Ah this is not true - I am 6'3" and I was around 300lbs (30-40% body fat) and suffered from high blood pres...
by simplesimon
Thu Jan 28, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 215
Views: 11277

Re: Do you pay for exercise?

Well, I compete in bodybuilding, so I really wouldn't care about their performance. Why would someone who wants to get leaner or build muscle care about performance? Not everyone wants to do crossfit. Bodybuilding has nothing to do with fitness. But then again, this thread started as a question abo...
by simplesimon
Tue Jan 26, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 215
Views: 11277

Re: Do you pay for exercise?

I don't understand the PF business model. How are they able to undercut their competitors by 75-80%? They still have the same overhead, and as you say it's not like their places are dumpy. They're pretty nice. I realize all gyms rely on members who don't use the facilities, but what allows PF to do...
by simplesimon
Mon Jan 25, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 215
Views: 11277

Re: Do you pay for exercise?

I pay $80/month for a gym across the street from work in downtown. The locker rooms and showers are clean and I go 3x/week during lunch. My philosophy is the gym needs to be either close to work or close to home for me to be able to stay disciplined enough to go. I rent an apartment with no room for...
by simplesimon
Thu Jan 21, 2016 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus Federal + State - $15!!
Replies: 32
Views: 3180

Re: TaxAct Plus Federal + State - $15!!

I had also contacted TaxAct about this. They just emailed me back saying that they "did not see that I was registered via this promotion" but gave me the reduced pricing as a courtesy. Sounds like the promotion's intended for new accounts.
by simplesimon
Wed Jan 20, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus Federal + State - $15!!
Replies: 32
Views: 3180

Re: TaxAct Plus Federal + State - $15!!

Is this for new customers? Because I signed in and it says $14.99 for "TaxAct Plus" and that state is an additional $14.99.
by simplesimon
Wed Jan 06, 2016 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ Article: Why the redskins players are so frugal?
Replies: 22
Views: 2716

Re: WSJ Article: Why the redskins players are so frugal?

http://www.spotrac.com/nfl/washington-r ... -earnings/

For contract and cash earnings details.

Looking up apartments on Craigslist for the Ashburn, VA area (where the facility is located, according to Wiki), a 2BR will be around $1,500/month...$750/month with a roommate! :D
by simplesimon
Wed Jan 06, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: WSJ Article: Why the redskins players are so frugal?
Replies: 22
Views: 2716

Re: WSJ Article: Why the redskins players are so frugal?

Hopefully they're maxing their 401K's.
by simplesimon
Wed Jan 06, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: WSJ Article: Why the redskins players are so frugal?
Replies: 22
Views: 2716

Re: WSJ Article: Why the redskins players are so frugal?

They're aware that their playing careers can end at any time.

Kirk Cousins carried my fantasy team to the championship when Andy Dalton went down, so I'm happy to see this!
by simplesimon
Sat Jan 02, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Engaged...So how do we handle finances now?
Replies: 40
Views: 3643

Re: Engaged...So how do we handle finances now?

Congratulations on the engagement! My fiancée and I split almost all expenses. I track them and she cuts me a check at the end of each month. We do a financial review of all our assets monthly, but don't technically mix money. We will get a joint checking account after we are married.
by simplesimon
Fri Jan 01, 2016 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Roll Call for Tax-Loss Harvesting Class of 2015
Replies: 62
Views: 2376

Re: Roll Call for Tax-Loss Harvesting Class of 2015

Artsdoctor wrote:Definitely. I sold Total International in August to buy FTSE All-World ex-US, and then sold FTSE back into Total International in December.


+1
by simplesimon
Thu Dec 31, 2015 7:19 am
Forum: Personal Finance (Not Investing)
Topic: New YNAB Available - Now with Auto-Import
Replies: 22
Views: 3214

Re: New YNAB Available - Now with Auto-Import

I got YNAB4 two weeks ago. Took some time but finally got used to it and like it. Haven't paid for it yet, but would prefer to pay the $60 and use it for a few years than pay the subscription.
by simplesimon
Thu Dec 24, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: [Interested in driving,] Any Uber drivers here?
Replies: 32
Views: 3395

Re: Any Uber drivers here?

ddurrett896 wrote:Now if only they made something similar to this so I could see where my kids bus is!


Only available in the Bay Area for now: https://shuddle.us/
by simplesimon
Wed Dec 23, 2015 4:32 pm
Forum: Personal Consumer Issues
Topic: Looking for "high value" sport coats
Replies: 9
Views: 831

Re: Looking for "high value" sport coats

A Samuelsohn full-canvassed made-to-measure jacket will run you about $1,300. Where are you located? Find a tailor near you that can get you one.
by simplesimon
Wed Dec 23, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 7845

Re: Beef roast

Green Nut wrote:going to buy a rib roast today...just because of this post!!!


I did just this. Got myself a 6.5lb piece, choice grade.

It was one of the smaller pieces available.
by simplesimon
Sun Dec 20, 2015 7:56 am
Forum: Personal Finance (Not Investing)
Topic: For people with a MBA..when should I be looking to apply?
Replies: 30
Views: 1834

Re: For people with a MBA..when should I be looking to apply?

So you want to move into the tech industry, not necessarily be in a finance function, but you think going IB is the way to break into tech and then into corporate development? If the end goal is truly corporate development in tech, stay in consulting. Network hard in your current firm and try to mak...
by simplesimon
Fri Dec 18, 2015 11:57 am
Forum: Personal Finance (Not Investing)
Topic: For people with a MBA..when should I be looking to apply?
Replies: 30
Views: 1834

Re: For people with a MBA..when should I be looking to apply?

There is no "optimal" time. I don't think the number of years of work experience has any significant weighting on your admissions. It's just that people usually "feel" like switching after a few years and want to use the MBA to do it. Your undergrad degree is in finance and you'r...
by simplesimon
Fri Dec 18, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: For people with a MBA..when should I be looking to apply?
Replies: 30
Views: 1834

Re: For people with a MBA..when should I be looking to apply?

I would put it off for as long as you can until you come up with really good reasons to why you want it, how it will help you, and if it really is the only thing that's left to do that will help you...not some arbitrary 2 vs 3 years out of undergrad. This will help you get the most out of your MBA ...
by simplesimon
Thu Dec 17, 2015 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Afford an $800k Home on $4K/month Take Home?
Replies: 146
Views: 11080

Re: Can I Afford an $800k Home on $4K/month Take Home?

How much are you willing to sacrifice so that your kids have access to these schools? Based on the information provided, the 15-year retirement mark doesn't seem feasible unless you are at the very least maximizing your 401K's. Are you willing to have that 15 year number be 20 years or more? Just c...
by simplesimon
Thu Dec 17, 2015 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Afford an $800k Home on $4K/month Take Home?
Replies: 146
Views: 11080

Re: Can I Afford an $800k Home on $4K/month Take Home?

How much are you willing to sacrifice so that your kids have access to these schools?

Based on the information provided, the 15-year retirement mark doesn't seem feasible unless you are at the very least maximizing your 401K's. Are you willing to have that 15 year number be 20 years or more?
by simplesimon
Tue Dec 15, 2015 9:36 am
Forum: Investing - Help with Personal Investments
Topic: [Intending to drop international funds]
Replies: 70
Views: 7593

Re: I've been duped by index investing it seems.

Index investing isn't what hurt you. It's that international stocks have performed poorly relative to other asset classes.
by simplesimon
Mon Nov 23, 2015 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Executive Interview - Suit Color and Style
Replies: 46
Views: 2826

Re: Executive Interview - Suit Color and Style

As long as they look nice and not worn out, they should be fine. Black is more conservative than brown.
by simplesimon
Mon Nov 23, 2015 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Executive Interview - Suit Color and Style
Replies: 46
Views: 2826

Re: Executive Interview - Suit Color and Style

Two or three button depends on your personal preference. I like two buttons, traditional cut, side vents on the jacket.

Definitely navy or charcoal colored.

Just as important - what shoes will you wear?
by simplesimon
Fri Nov 20, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Smart Shopper - Medical insurance "subsidy"
Replies: 4
Views: 405

Re: Smart Shopper - Medical insurance "subsidy"

Thank you for the correction. I edited the OP. As for "discount" doctors, price doesn't say everything. I agree someone would want to make sure that the doctor is skilled and reputable, but the business may be more profitable than a hospital despite the lower price because of a lower cost ...
by simplesimon
Fri Nov 20, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: Smart Shopper - Medical insurance "subsidy"
Replies: 4
Views: 405

Re: Smart Shopper - Medical insurance "subsidy"

bump, if it can help somebody get some money for routine procedures it's worth it.

Doctors: is this a concern or a benefit for your practice?
by simplesimon
Thu Nov 19, 2015 5:03 pm
Forum: Personal Consumer Issues
Topic: Smart Shopper - Medical insurance "subsidy"
Replies: 4
Views: 405

Smart Shopper - Medical insurance "subsidy"

I listened to a Planet Money podcast and learned of a website called Smart Shopper. I am not affiliated with them. https://www.vitalssmartshopper.com/Login?ReturnUrl=%2F (I know the site looks kind of scammy, but apparently NPR vetted it NPR made it seem okay). It only works with employers and insur...
by simplesimon
Mon Nov 16, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: Buying a wedding ring
Replies: 39
Views: 3510

Re: Buying a wedding ring

It's important to distinguish whether she likes the Soleste style of ring or if she wants the Tiffany's ring specifically. Some girls really want that blue box and able to say that it's a Tiffany's ring. If its the former, look at WhiteFlash's selection of halo rings and see if there's an equivalent...
by simplesimon
Mon Nov 16, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: High Earner Careers?
Replies: 254
Views: 26630

Re: High Earner Careers?

I graduated with a biology degree as an average student and worked in medical device manufacturing making about $50k after college. The VAST MAJORITY of people graduating with a science degree do not become doctors, pharmacists, or dentists, which is great because you don't want your doctor to be so...
by simplesimon
Tue Sep 22, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: What are the index fund costs beyond bid ask?
Replies: 13
Views: 979

Re: What are the index fund costs beyond bid ask?

Liquidity will impact price. A different thread links a WSJ article that talks about this pertaining to bond index funds.
by simplesimon
Tue Sep 22, 2015 8:43 am
Forum: Investing - Help with Personal Investments
Topic: [WSJ: Vanguard and Other Bond Fund Liquidity Issues]
Replies: 20
Views: 882

Re: WSJ: Vanguard and Other Bond Fund Liquidity Issues

Thanks for the article. I was a little surprised by where Vanguard Short-Term Investment Grade placed relative to Intermediate-Term Investment Gradem but it tells us which bonds Wall Street is favoring right now. I would be interested in seeing if somebody can figure out how much "illiquidity&q...
by simplesimon
Fri Sep 04, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Loan Officer vs. Financial Advisor
Replies: 21
Views: 2183

Re: Loan Officer vs. Financial Advisor

No pros for commercial lending Grt2bOutdoors? :D Before I worked at the bank, I was at one of these specialty finance firms backed by a hedge fund. While it's true fintech is starting to eat away at traditional banks' market share, it's in the small business segment. As for alternative lending like ...
by simplesimon
Fri Sep 04, 2015 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Loan Officer vs. Financial Advisor
Replies: 21
Views: 2183

Re: Loan Officer vs. Financial Advisor

I work for a large commercial bank and there are plenty of various roles you could get into depending on what your goals are. I imagine your limitations may be because of the size of the bank you work for. Are most of your clients very small borrowers? Would you be interested in moving to a bigger b...
by simplesimon
Thu Aug 27, 2015 9:40 am
Forum: Investing - Theory, News & General
Topic: Don't Sell on the Dips
Replies: 7
Views: 1574

Re: Don't Sell on the Dips

I doubt many people have this as a strategy - selling at $95 and buying at $97.85 - but point taken that in reality, this is what typically happens.
by simplesimon
Sun Aug 23, 2015 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: TLH first timer needs your advice
Replies: 5
Views: 455

Re: TLH first timer needs your advice

My taxable holdings are Total International and I plan to TLH into FTSE All-World ex-US.
by simplesimon
Tue Aug 11, 2015 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 7463

Re: Your First Job

My first paying job was as a bag boy at a local grocery store when I was 16 years old. I learned a lot about the different kinds of people there are in this world.
by simplesimon
Mon Aug 10, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Boston area housing. Is it wise to buy now or wait?
Replies: 8
Views: 1024

Re: Boston area housing. Is it wise to buy now or wait?

I'm in a similar situation - I think it just depends. What's the expected PITI you'll be paying for the house you want? How long do you think you'll live there? It may help to think of any potential lost opportunity cost as paying for the intangible/non-monetary reasons to buy a house e.g. being an ...
by simplesimon
Wed Aug 05, 2015 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly Based Adviser in Boston Area
Replies: 9
Views: 583

Re: Hourly Based Adviser in Boston Area

Hi Brantley, I sent you a PM.
by simplesimon
Wed Aug 05, 2015 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Not many good [401(k)] options at work...
Replies: 8
Views: 497

Re: Not many good options at work...

Lol, thank you for the correction. I guess i meant quantity of options was not as large as through Fidelity/Vanguard. Is there any benefit to contributing 100% of the 401k funds to Vanguard Institutional Index fund then covering International and Bonds with my other non-401k accounts, or should acc...
by simplesimon
Wed Aug 05, 2015 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Not many good [401(k)] options at work...
Replies: 8
Views: 497

Re: Not many good options at work...

Correction - Great options at work. For bond portion: Vanguard Total Bond Index Fund For domestic equity portion: 75% Vanguard Institutional Index Fund (ultra-low cost share class of Vanguard's SP500 fund) and 25% Vanguard Extended Market Fund For international equity portion: Vanguard Institutional...
by simplesimon
Mon Aug 03, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 201
Views: 14906

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

We keep our diets boring 85% of the time. Groceries for two 30-year old adults in greater Boston area comes out to about $400/month. I do all the grocery shopping and keep minimal packaged/processed foods in the apartment. There's a lot of meat (bought fresh in bulk then divvied up and frozen), eggs...
by simplesimon
Wed Jul 15, 2015 8:31 pm
Forum: Investing - Theory, News & General
Topic: Productivity and Pay
Replies: 9
Views: 757

Re: Productivity and Pay

Technology plays a big role in creating more production per unit time.
by simplesimon
Fri Jun 19, 2015 2:39 pm
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 5171

Re: New to Golf

Timely and relevant post! My fiance and I are taking group lessons together. I've "golfed" (i.e. hit hundreds, if not thousands of balls at the driving range) over the last five years. She grew up playing ball sports like tennis and softball so she was able to make consistent contact with ...
by simplesimon
Thu Apr 16, 2015 7:31 am
Forum: Personal Consumer Issues
Topic: Boston Marathon - Hotel Plan?
Replies: 25
Views: 2465

Re: Boston Marathon - Hotel Plan?

My friend had an apartment right by Kenmore Square so our group was lucky enough to be able to watch the race one mile from the finish line two years ago.

This is what it looked like when the Red Sox game got out.

Image
by simplesimon
Wed Apr 08, 2015 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 13949

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Thanks for starting the thread. I grew up in San Jose and went to a public school. My immigrant parents made about 80-90k household income in today's dollars (three full-time, unskilled jobs). Their cost of living very low these days and they're healthy (ages 64 and 59). I chuckled at the comment ab...
by simplesimon
Thu Jan 22, 2015 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Figuring out my parent's retirement
Replies: 15
Views: 1896

Re: Figuring out my parent's retirement

I didn't specify a SS plan because I was hoping to get some advice here. It would appear that my father taking SS at 70 would be the best move. I also am not sure how my mother should proceed, I'm guessing SSDI would be best. As for portfolio asset allocation, my folks are pretty risk averse. As I m...

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