Search found 4447 matches

by stan1
Sun Dec 04, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Do You Consider Dividends As Income?
Replies: 65
Views: 3881

Re: Do You Consider Dividends As Income?

Since dividends are reinvested (tax deferred) or swept into a money market account (taxable) proceeds stay in my investing accounts and I count them as investing returns for tracking purposes. Of course they get reported to the IRS appropriately. Dividends are about 10% of taxable annual income so n...
by stan1
Sun Dec 04, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2325

Re: Federal Blue Cross Standard versus Basic

Agreed. But in our case it will work. We're out of pocket at least a grand on contact lenses alone... Wow. How many people wearing contacts? Unless you've already exhausted other medical options and have no other choice look into getting your contacts from a lower priced source or tell your optomet...
by stan1
Sat Dec 03, 2016 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 40
Views: 2325

Re: Federal Blue Cross Standard versus Basic

I think Basic is best for many people who live in locations where BCBS has a dominant presence and who don't need high priced medication. I found two main differences: 1) Out of network providers. When I had emergency surgery a few years ago a random physician (assisting anesthesiologist) who I neve...
by stan1
Sat Dec 03, 2016 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 48
Views: 4275

Re: Not happy with my realtor

Did you ask him if he would contact residents in your desired neighborhood? What did he say? It is not normal and recipients who might be potential future clients as a seller could find it annoying (as I do). I've generally seen it done by very inexperienced agents, low volume agents, or agents who ...
by stan1
Fri Dec 02, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 38
Views: 1820

Re: CBP (INS) Global Entry program worth it?

It does somewhat depend. If you are flying through major hubs like ORD, LAX, EWR, IAD, etc. that have many flights arriving at the same time then absolutely yes. I usually fly into a smaller airport that has only one international flight arriving at a time. This airport also has automated self servi...
by stan1
Fri Dec 02, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: European Riverboat Tours
Replies: 14
Views: 1353

Re: European Riverboat Tours

Some river cruises turn into bus tours because of water levels in the river. Water too high: boats can't get under bridges. Water too low: boats run aground. It is a risk you have to be prepared for with European river cruises. Some rivers (such as the Rhine out of Basel) are more susceptible than o...
by stan1
Tue Nov 29, 2016 8:35 am
Forum: Personal Finance (Not Investing)
Topic: How to discuss salary offer as a manager?
Replies: 29
Views: 2576

Re: How to discuss salary offer as a manager?

Also be sure to check with the supervisors of this prospect. If they can't recommend them for a promotion and/or internal transfer, they will hate you for the rest of your career if not life. This can backfire also. "Oh sure he's a great guy -- when do you want him to start? He's available tom...
by stan1
Tue Nov 29, 2016 8:06 am
Forum: Personal Finance (Not Investing)
Topic: How to discuss salary offer as a manager?
Replies: 29
Views: 2576

Re: How to discuss salary offer as a manager?

Lol at an internal candidate EXPECTING to go from $54,000 to $65,000 to $88,000 in just a few months. Do they get a merit increase in January as well? :). Right, this salary progression over a few months would be a no-go in many companies (big and small) unless the individual was clearly in a pay i...
by stan1
Fri Nov 11, 2016 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance in a high risk fire area
Replies: 8
Views: 708

Re: Homeowners Insurance in a high risk fire area

I'd suggest talking to your neighbors and other insurance brokers in your neighborhood. Market is changing very fast and companies who used to offer high risk policies are no longer doing so.
by stan1
Fri Nov 11, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Equivalent "Do Not Call" List for Wireless?
Replies: 15
Views: 1234

Re: Equivalent "Do Not Call" List for Wireless?

Try NoMoRobo (but it is $1.99/month) The do not call list is obsolete. The spammers are usually operating from outside the US placing voice over IP calls and are masquerading the caller ID. U.S. laws are not enforceable. I do not answer my cell phone unless caller ID shows up or I am expecting a call.
by stan1
Fri Nov 11, 2016 12:56 pm
Forum: Investing - Theory, News & General
Topic: FERS TSP contribution percentage: How to
Replies: 5
Views: 410

Re: FERS TSP contribution percentage: How to

The method for setting up TSP contributions varies by department/agency. I do it through my department's HR website not through the website used for payroll. We can choose whether to make the contribution as a percentage of pay or fixed dollar amount each pay period. You'll need to log into the webs...
by stan1
Fri Nov 11, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Home shopping, Potential roof leaking despite new roof
Replies: 22
Views: 1321

Re: Home shopping, Potential roof leaking despite new roof

This is your decision not the realtors. 1) Is this a highly desirable house due to location, a special fit for your needs, or are there dozens of similar houses on the market that meet your needs? The more desirable the property or better fit for your needs the more I'd be willing to work with the s...
by stan1
Fri Nov 11, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Problem with Graduate School
Replies: 30
Views: 4195

Re: Problem with Graduate School

I don't want to go into all the details because it's not my story to tell. That being said there were some issues with an illness and because of that the department head and a couple of profs didn't feel that it was good fit with their school. And yes, there is evidence that grades were changed as ...
by stan1
Thu Nov 10, 2016 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Would a Computer Science certificate benefit my career?
Replies: 29
Views: 1819

Re: Would a Computer Science certificate benefit my career?

Since its free why not? But it would be more for fun. Someone making $160K/year needs relevant work experience not just a certificate (even if it is from Stanford). I don't think this will get you in the door at a company like Google unless they happen to also need your specialized mechanical engine...
by stan1
Thu Nov 10, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: Problem with Graduate School
Replies: 30
Views: 4195

Re: Problem with Graduate School

This doesn't make sense. I'd smile and wish him good luck (since you are asking for a friend, right?)
by stan1
Fri Nov 04, 2016 6:29 am
Forum: Personal Consumer Issues
Topic: Buying an Audi A4
Replies: 73
Views: 4800

Re: Buying an Audi A4

It's been a few years since I bought one but pricing on extended warranties is negotiable with the dealer. Just make sure you are getting the official Audi backed extended warranty. We've never regretted buying a manufacturers extended warranty on a German car (and have regretted NOT buying one).
by stan1
Thu Nov 03, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: Dress shoes
Replies: 33
Views: 3032

Re: Dress shoes

I only buy shoes with synthetic soles. I have Eccos and an Allen-Edmonds but to be honest what I've been wearing most for the past few years are Dunhams by New Balance. They fit my needs just fine.
by stan1
Wed Nov 02, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage or Save for College
Replies: 15
Views: 1311

Re: Payoff Mortgage or Save for College

Why not keep some funds in taxable investment accounts that could be used when you were more certain of either paying the mortgage or for your kid's college? This gives you flexibility and it sounds like you don't have a taxable investing account right now. I'd do some taxable investing and some pa...
by stan1
Mon Oct 31, 2016 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-approval for a mortgage
Replies: 4
Views: 559

Re: Pre-approval for a mortgage

If you are self-employed (non-W2 income) definitely expect a lot of questions, documentation, and explanations along the way. You will be exasperated and feel like you have been put through the wringer. Best thing to do is ask your lender to tell you exactly what they will need from you rather than ...
by stan1
Sun Oct 30, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: Replacing run-flat tires on BMW
Replies: 34
Views: 2702

Re: Replacing run-flat tires on BMW

The latest generation of Bridgestone run-flats are an improvement over the OEM Bridgestone tires I had in 2010 and the replacements I bought around 2013.
by stan1
Tue Oct 25, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: At Fault in Auto Accident - Insurance Complications?
Replies: 16
Views: 1388

Re: At Fault in Auto Accident - Insurance Complications?

I was a juror on a civil auto accident case about 15 years ago. It gave me a lot more confidence that insurance companies are competent and will do their job because they don't want to pay settlements. The defendant had a very capable and quick attorney provided by her insurer. I'm guessing the plai...
by stan1
Tue Oct 25, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dream house sold yesterday :(
Replies: 41
Views: 6829

Re: Dream house sold yesterday :(

You say really unique. Is that unique as in special and appreciated, or unique as in highly customized to just a few people's tastes. Realtors being realtors they think about resale when they walk through a house. Some "really unique" properties are very hard to sell.
by stan1
Mon Oct 24, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: At Fault in Auto Accident - Insurance Complications?
Replies: 16
Views: 1388

Re: At Fault in Auto Accident - Insurance Complications?

I realize its stressful but this is why you have insurance; your insurance company hires a lawyer to represent you if needed. Give your insurance company the facts but do not speculate. How do you know the individual in the vehicle you hit was in an earlier accident? If this individual told you so y...
by stan1
Fri Oct 14, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Rear ended
Replies: 14
Views: 1241

Re: Rear ended

Same happened to me a few months ago (got hit by a guy driving a truck for a business). I filed with my insurance and let them deal with the other guy's insurer. My insurer automatically waived deductible. Only slight hassle was with rental car but my insurer and Enterprise worked it out between the...
by stan1
Fri Oct 14, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: twisted real estate / condo situation
Replies: 3
Views: 1027

Re: twisted real estate / condo situation

The residential management company is taking direction from the HOA board not acting unilaterally. Management company would not stop paying to the commercial property owner without the board's direction. Have you been to the board meetings? What is the board's attorney saying? Sounds like you need t...
by stan1
Fri Oct 14, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: How to Handle Saving for (Large) Future Purchases?
Replies: 7
Views: 472

Re: How to Handle Saving for (Large) Future Purchases?

I'll actually chime in with what I do right now. I have three accounts currently that aren't retirement or emergency money. One is a holding account so I can start saving for next year's Roth. One is a revolving account where I save for insurance and other semi-annual expenses. One is a short term/...
by stan1
Fri Oct 14, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: How to Handle Saving for (Large) Future Purchases?
Replies: 7
Views: 472

Re: How to Handle Saving for (Large) Future Purchases?

I have a tiered approach (and have done all of the below in various situations): 1) Checking account (NCUA insured) 2) Money market savings account and CDs (NCUA insured) 3) Tax exempt bond funds (possible capital gains tax) 4) Equity funds/ETFs in taxable account (possible capital gains tax) I'm at...
by stan1
Wed Oct 12, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel question
Replies: 44
Views: 3334

Re: Kitchen Remodel question

A microwave shelf will need an outlet but not a dedicated circuit. Easy to do if you are still designing cabinets and have the space. The high end answer would be a Sharp microwave drawer but that would be for me if I had the space not for a buyer. I would not do that if I was selling the house and ...
by stan1
Mon Oct 10, 2016 10:15 am
Forum: Personal Consumer Issues
Topic: Repair for Car Seat (Leather) Rip?
Replies: 12
Views: 1176

Re: Repair for Car Seat (Leather) Rip?

Search for "leather seat repair" + your city
by stan1
Sat Oct 08, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: How To Retire Comfortably With Just $500,000
Replies: 44
Views: 9292

Re: How To Retire Comfortably With Just $500,000

Well the article is about investing in equities with a dividend growth strategy. Variations of that idea has been around for decades. Vanguard has plenty of happy Wellington, Wellesley, and Windsor investors investing in value funds (value funds invest in equities that are undervalued and likely to ...
by stan1
Fri Oct 07, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating additional days off
Replies: 10
Views: 966

Re: Negotiating additional days off

I think leave without pay will be better for all parties than additional days off, but you have to watch to make sure benefits as a full time employee aren't impacted. A salary reduction is permanent; leave without pay is taken as he needs it. Extra days off opens up similar requests from other empl...
by stan1
Thu Oct 06, 2016 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Concurrently buy/sell house
Replies: 21
Views: 1983

Re: Concurrently buy/sell house

With the stats you gave I think it will be difficult to find a lender would approve you on a new purchase mortgage unless the previous home was sold. Just saw OP's income post and I tend to agree. I think OP will have a very hard time finding a lender who won't insist upon having the old house in e...
by stan1
Thu Oct 06, 2016 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Concurrently buy/sell house
Replies: 21
Views: 1983

Re: Concurrently buy/sell house

You have several things to consider. You need cash for down payment but you also need lender to approve the loan for the new house. Lenders are very cautious about these situations (although maybe less so than they were 3 to 5 years ago). Your lender for the new house may insist that you have the ol...
by stan1
Tue Oct 04, 2016 8:41 am
Forum: Investing - Theory, News & General
Topic: SS as a Bond
Replies: 46
Views: 3686

Re: SS as a Bond

Seems like counting SS as a bond could be a thinly veiled rationalization for having a higher percentage of equities in the portfolio. Along the lines of "taking my age minus 10 means I should have 30% in bonds but because I'm counting SS as a bond I can build my portfolio with 15% in bonds and...
by stan1
Sun Oct 02, 2016 12:15 pm
Forum: Personal Consumer Issues
Topic: Selling a House in a Foreign Country
Replies: 2
Views: 356

Re: Selling a House in a Foreign Country

I don't think internet advice will do in this situation and would look for an attorney in the Filipino-American community who knows how to do this. I'd guess it is fairly common.
by stan1
Sat Oct 01, 2016 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer use SAT/ACT scores?
Replies: 51
Views: 2753

Re: Does your employer use SAT/ACT scores?

I don't remember. What then?
by stan1
Sat Oct 01, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: Nonstick pots and pans, what is the consensus?
Replies: 45
Views: 3905

Re: Nonstick pots and pans, what is the consensus?

We had Calphalon aluminum anodized for 20 years. We are now getting an induction cooktop so had to replace with stainless. Much happier with the stainless than the aluminum anodized actually and wish I'd done more research back when I bought the Calphalon back in the 1990s. Stainless is much easier ...
by stan1
Fri Sep 30, 2016 12:19 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6082

Re: Where/how do Bogleheads get their tires inflated?

We have several gas stations near us that have free compressors. I keep a simple analog gauge in my car rather than relying on the gauge attached to the compressor. I don't strive for perfection, just good enough.
by stan1
Fri Sep 30, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is Private high school in the good school district worth investing?
Replies: 78
Views: 6840

Re: Is Private high school in the good school district worth investing?

This is one of these areas where Bogleheads strive for a formula to give an easy answer. Enter ranking of nearby public schools, class sizes, acceptance rates to Ivy League, dropout rate, cost of private schools and out pops the answer of whether private school is worth the expense. While we're at i...
by stan1
Fri Sep 30, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a legal way from a tax standpoint
Replies: 11
Views: 1269

Re: Looking for a legal way from a tax standpoint

Great idea for helping your friend, but it would be a lot faster and easier to collect cash donations for the family.
by stan1
Sat Sep 24, 2016 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can adult child gift money back to parent?
Replies: 31
Views: 3729

Re: Can adult child gift money back to parent?

It's either a 100% loan or 100% gift. You are looking for an undefined maybe a loan/maybe a gift situation that doesn't exist. If its a loan the lender will view it as such which may impact the maximum loan amount. If its a gift the lender will want signed (possibly sworn) statements that it is not ...
by stan1
Sat Sep 24, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can I Afford (HCOL edition)
Replies: 21
Views: 2279

Re: How Much House Can I Afford (HCOL edition)

Yes, I would say $2-2.5M range although be careful that you don't need another $500K for a remodel if you are up at the higher end. You probably could also do $3M if you had to. There are plenty of expensive houses that need a lot of work. Make sure you are paying for a great location (proximity to...
by stan1
Sat Sep 24, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can I Afford (HCOL edition)
Replies: 21
Views: 2279

Re: How Much House Can I Afford (HCOL edition)

Yes, I would say $2-2.5M range although be careful that you don't need another $500K for a remodel if you are up at the higher end. You probably could also do $3M if you had to. There are plenty of expensive houses that need a lot of work. Make sure you are paying for a great location (proximity to ...
by stan1
Wed Sep 21, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: How is your experience about buying home in SF bay area?
Replies: 18
Views: 2488

Re: How is your experience about buying home in SF bay area?

We've been lucky with timing our purchases in a HCOL area (buy/sell rounds in 1998 and 2015). If it helps we think of our home as a long term lifestyle choice. It is not a short term decision nor is it an investment. We've also put over $200K into each of the houses we've owned so appreciation is de...
by stan1
Wed Sep 21, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: macOS Sierra
Replies: 20
Views: 2260

Re: macOS Sierra

I was happy that the upgrade found and purged about 20GB of system files that I hadn't been able to track down. Admittedly I didn't put a huge amount of effort into it (because I didn't need the storage) but I knew something wasn't right with my El Capitan install because it was supposed to fit on a...
by stan1
Sun Sep 18, 2016 7:50 pm
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 9672

Re: Disappointing News Wells Fargo

The executives all have performance based compensation as well. They were fine with this until the serfs got caught just as they were fine with loan agents marking up mortgage applications with phony income back in 2004/2005. Incentives often end up rewarding unwanted bad behavior.
by stan1
Sun Sep 18, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: major remodel: regrets or things you'd do again
Replies: 68
Views: 7176

Re: major remodel: regrets or things you'd do again

paper200, go to the GardenWeb Kitchen forum on Houzz. The advice you get there will be at the same level as the advice you would get here for investments. Just like this site there are always some differences of opinion but overall advice is high quality.

http://ths.gardenweb.com/forums/kitchbath
by stan1
Sat Sep 17, 2016 3:37 am
Forum: Investing - Help with Personal Investments
Topic: Travel to Europe, buy new cars, expensive iPads and Louis Vuittons
Replies: 5
Views: 1254

Re: Travel to Europe, buy new cars, expensive iPads and Louis Vuittons

Don't look at the equity in your house as money that can be accessed for spending. Your house is a place to live. When you add up the costs of maintaining a house over the years you'll realize that much of that money you think you've gained by appreciation will actually be spent on new roof, new flo...
by stan1
Fri Sep 16, 2016 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant Background Check and Credit Check
Replies: 23
Views: 1862

Re: Tenant Background Check and Credit Check

So this is the management company employed by the homeowner's association? If so they are asking on the HOA's behalf so it is the HOA's policy to do this? At a minimum you would need to update whatever disclosure statement the tenant is signing to give you access to this information to add the HOA a...
by stan1
Mon Sep 12, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care rate increase
Replies: 21
Views: 2066

Re: Long term care rate increase

Is there a benefit adjustment for inflation? At that price I'm guessing there won't be and you have hopefully 50 years before you would need it. I think the best indicator of future need is your current health and family history. Your ability to self fund might go up with age if your investment port...

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