Search found 3057 matches

by michaeljc70
Tue Aug 14, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 7360

Re: Is it possible to change one's career in their 40s?

After reading some of the posts, I thought I'd chime in a little more. I've worked in IT 25+ years. If you are techinical, a lot of emphasis is placed on how long you have used tool XYZ version 18.0. It doesn't matter if 18.0 and 17.0 are virtually the same. It doesn't matter if you have 20 years ex...
by michaeljc70
Tue Aug 14, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 7360

Re: Is it possible to change one's career in their 40s?

I am in my late 40s and have worked in IT almost all my adult life. I would say stay the course if possible. Of course you can change fields and pursue other things. Some people get high school diplomas when they are 80. From a practical and financial perspective though, when you account for the tim...
by michaeljc70
Tue Aug 14, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 44
Views: 2211

Re: Using ACA for early retirement years

I am planning to use the ACA for early retirement (in late 40s). Of course, if things change that can radically alter my expenses. Without getting into politics, I think if there are any changes, they will probably be on the margins. Obviously the big deal killer would be adding asset tests to the A...
by michaeljc70
Tue Aug 14, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 47
Views: 3184

Re: As an American, where are some great places in the world to retire?

Just relaying what I have gleaned from the many other threads and what makes sense to me. If they haven't lived anywhere else and don't speak any other languages, they most likely will not enjoy/thrive living outside the US. It is one thing buying a pair of pants because they are cheaper, but changi...
by michaeljc70
Tue Aug 14, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1121
Views: 194061

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I just spoke with a rep from Merrill Edge. He said the maximum anyone can get is $2,500 (unless it's over $5 million) per account owner across all accounts. Is that right? Anyone gotten more? You mean $2500 on a lifetime basis ? Or $2500 for a single transfer ? I got $2500 from ME about a year ago ...
by michaeljc70
Tue Aug 14, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Return Protection: Citi Doublecash
Replies: 10
Views: 825

Re: Return Protection: Citi Doublecash

Did you send Citi a picture of the shoes? It seems that it should be pretty easy to determine if they were used.
by michaeljc70
Tue Aug 14, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 211
Views: 11879

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Let's talk VGTSX. Straight from Vanguard's own website, growth rate, 4.84% compounded since inception, 4/29/1996. The year is 2018. 22 years. I've said it before and I'll say it again. That is too long a period for such a low growth rate. If you made the same case at 5 or even 10 years, I would not...
by michaeljc70
Tue Aug 14, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Return Protection: Citi Doublecash
Replies: 10
Views: 825

Re: Return Protection: Citi Doublecash

I have had mixed results in disputes and that is across many different types of credit cards from Amex, Discover, MC and Visa. In general, it seems like unless the merchant defrauded you, they side with the merchant. If you buy things online, the merchant will point to their TOS which is obviously v...
by michaeljc70
Tue Aug 14, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Optum HSA Fee Increase Notice
Replies: 16
Views: 1934

Re: Optum HSA Fee Increase Notice

I pay Optum no fees (not sure if it is due to my balance or being grandfathered in coming from Wells Fargo acquisition). However, Optum is really geared toward employers. It is a subsidiary of UnitedHealth Group which is the largest health insurance company in the US. They aren't really in business ...
by michaeljc70
Tue Aug 14, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 211
Views: 11879

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Bonds have been underperforming lately. Are you cutting back on those too? Perhaps you should consider buying only the top performing asset classes in the last 10 years and report back in 10 years how you did.
by michaeljc70
Tue Aug 14, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 35
Views: 2117

Re: Decided on Chromebook, now need spec help

If you're getting a Chromebook mainly to avoid Windows (I don't blame you), I'd look at installing Linux Mint on a laptop. You can even dual boot with Windows if necessary. You could dual-boot or run a different Linux distribution concurrently on a Chromebook (the Chrome OS is a Linux variant thats...
by michaeljc70
Mon Aug 13, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 35
Views: 2117

Re: Decided on Chromebook, now need spec help

I agree the processor and storage aren't that important. For me, storage hasn't been important since the whole point of a chromebook is to have everything in the cloud, and local storage has been cumbersome and limited. On the other hand, processor has been an issue, with most all processors too sl...
by michaeljc70
Mon Aug 13, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1121
Views: 194061

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I was going to transfer my IRA to Etrade, but at the bottom of their terms it says not valid for retirement accounts. In looking around currently, it seems like Ally is the best option. I am looking to move an IRA in the 500k-1000k range. They are offering $1200. Is there any better option for my s...
by michaeljc70
Mon Aug 13, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 35
Views: 2117

Re: Decided on Chromebook, now need spec help

To me the most important aspect of a Chomebook is getting an HD screen. It makes a huge difference, especially for someone who is used to a Retina screen on an ipad. My choice was the Toshiba Chromebook 2, which is 3 lbs, has a 13" screen, true HD display, good Skullcandy speakers, and a nice keybo...
by michaeljc70
Mon Aug 13, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1121
Views: 194061

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I was going to transfer my IRA to Etrade, but at the bottom of their terms it says not valid for retirement accounts. In looking around currently, it seems like Ally is the best option. I am looking to move an IRA in the 500k-1000k range. They are offering $1200. Is there any better option for my si...
by michaeljc70
Mon Aug 13, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 106
Views: 6339

Re: [New Vanguard website layout starting Saturday, August 11]

I see the changes. I only have 2 accounts left at Vanguard each with one fund, so it doesn't matter much to me. The initial screen is also different for me where you pick personal investor, etc. I have picked personal investor about 100 times and click for them to make that the default but it always...
by michaeljc70
Mon Aug 13, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1121
Views: 194061

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I recollect there was some discussion of a PNC bonus a while back, but it seems to have expired. I know there are people who hold funds at Chase, and get private Client Status from that. I have $500-1M in IRA that is free to move, and would be interested in hearing about bonuses from 'non conventio...
by michaeljc70
Mon Aug 13, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: Importance of sequence of real returns for SWR, CAPE valuation, and Luck
Replies: 82
Views: 2862

Re: Importance of sequence of real returns for SWR, CAPE valuation, and Luck

But, as I understand it, this doesn't change the floor for a SWR rate from his previous studies. A .77 correlation is not something I would take to the bank. What if you work 10 more years and valuations are still high?
by michaeljc70
Mon Aug 13, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 35
Views: 2898

Re: Offering 401k Advice to my coworkers?

A Vanguard Target Retirement fund is only "expensive" when comparing it to it to very low cost individual funds. It is probably cheaper than 90%+ of funds out there. As other have said, your company (for obvious reasons) is not going to hand out financial advice from a random employee.
by michaeljc70
Mon Aug 13, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 35
Views: 2117

Re: Decided on Chromebook, now need spec help

I would consider if it is it worth spending double to "future proof" it when you can just buy one and throw it out and buy another with better specs in a few years. Tech is always dropping in value and you almost always pay a premium on the feature/performance curve. I don't think it pays to overbu...
by michaeljc70
Fri Aug 10, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Front load 401k?
Replies: 23
Views: 1913

Re: Front load 401k?

Though I was dong 75% (the max) the last couple months, that was due to me probably leaving the company and wanting to get in as much as possible fast. Though I've seen some "studies" show lump sum (which is close to what front loading is, depending on salary) is better, I generally don't front load...
by michaeljc70
Thu Aug 09, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 2707

Re: Two voices in my head

I'm still young, I've got a minimum of 40 years to work before I can officially retire sometimes I think I err on the conservative side because of my 75/25 AA and because I just hold the market portfolio, ridiculous yeah I know but still these thoughts creep into my head. part of me says: You only ...
by michaeljc70
Thu Aug 09, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 73
Views: 6495

Re: When is leaving your job that pays well a good idea?

I just quit (this week) a job I really didn't like that I worked for 5 months. Ideally, I would have stuck around longer or found a new job before quitting. Having savings gives you more freedom and options. If I knew I would only be making 1/2 on the next job, then I would think about it more caref...
by michaeljc70
Wed Aug 08, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9634

Re: Few weeks into new job recieved significantly better offer elsewhere

It's a bit disengenuous to dismiss loyalty entirely just because companies can be ruthless with their bottom line. While it is important to take that into account, decisions are still made by people. Every job I quit, I made it a point to strengthen bridges as I left. The people left behind will no...
by michaeljc70
Wed Aug 08, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2202

Re: Prescription Price Shopping?

We really need more information. As others have said, plans vary greatly. if you pay a fixed $ copay, then it won't matter. The exception would be if the copay is higher than the actual drug cost in which case you'd be better off saying you have no insurance (most likely with cheap generic drugs). I...
by michaeljc70
Tue Aug 07, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6313

Re: "Dollar Tree Store" favorites

Not a whole lot anymore. I used to go regularly. I think due to inflation, the product mix has gone down the tubes. I'd rather just have them charge $1.10 and bring some of the good stuff they used to have.
by michaeljc70
Tue Aug 07, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 33
Views: 3493

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

Self insured for homeowners insurance? Without insurance on either side I would definitely not hire them. The bigger question is how is he self insuring? If someone on his property gets hurt does he have millions? You say he is pretty judgement proof. Is he a lawyer? Will he self-defend himself?
by michaeljc70
Mon Aug 06, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 72
Views: 12815

Re: I pay $6K in rent. Am I an idiot for not buying?

How does that 2% home growth rate compare with LA real estate appreciation in the past?
by michaeljc70
Mon Aug 06, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 94
Views: 12261

Re: Retire Internationally for FIRE

Not to get too off topic, but a discussion of medical cost comparisons should not ignore how our system works. Few people pay list (billable) price for any service. Their insurance company covers some or all of it (either through a discount or actual insurance) and if they have no insurance much goe...
by michaeljc70
Mon Aug 06, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: 48" Range - Recommendations
Replies: 7
Views: 390

Re: 48" Range - Recommendations

I would personally avoid Viking like the plague! I have a 36" one now. The open gas burners are awesome, the oven has had nothing but problems since day one and I had difficulty getting them to honor the warranty on something that was clearly covered. The stovetop grill is a nightmare to clean. The...
by michaeljc70
Mon Aug 06, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Best way to send flowers out of town
Replies: 21
Views: 1137

Re: Best way to send flowers out of town

I wouldn't just randomly pick a local florist. Isnt that what you get when you order through FTD, etc? Yes. I've heard a lot of bad things about FTD. I would read online reviews if there was no one local I could ask or I mentioned using Costco. I've always found they stand behind what they sell.
by michaeljc70
Sun Aug 05, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Best way to send flowers out of town
Replies: 21
Views: 1137

Re: Best way to send flowers out of town

I guess I don't' understand how using a local florist will ensure they are a good florist. Simple by doing one or more of 3 things - checking (skeptically of course) online reviews, call somebody local and see who they use (the best choice, if I have the time), probe the florist for attentiveness, ...
by michaeljc70
Sun Aug 05, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Best way to send flowers out of town
Replies: 21
Views: 1137

Re: Best way to send flowers out of town

I guess I don't' understand how using a local florist will ensure they are a good florist.
by michaeljc70
Sun Aug 05, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 38
Views: 4628

Re: Vacation- home precautions?

If you manually lock your garage door (whether with a side-lock or makeshift lock/bolt) just be sure to remember not to hit the "open" button on your garage door remote when you return. At least until you've unlocked the manual lock. Yep. My last two places had the side lock on the garage door. I h...
by michaeljc70
Sat Aug 04, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9634

Re: Few weeks into new job recieved significantly better offer elsewhere

I think the title of the thread is debatable: "recieved [sic] significantly better offer elsewhere."
by michaeljc70
Sat Aug 04, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Best way to send flowers out of town
Replies: 21
Views: 1137

Re: Best way to send flowers out of town

I have not used them, but when exploring this recently I thought Costco.com had great prices. The problem with many sites is the flowers are X. Seems very reasonable. Then the extras start getting added on sometimes doubling the price. Costco stands behind what they sell.
by michaeljc70
Sat Aug 04, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 35
Views: 2117

Re: Decided on Chromebook, now need spec help

The specs the OP listed sound like overkill to me. Unless they have a tendency to open a ton of tabs/run a ton of Android apps at one time. I would concentrate on form factor (do you want a convertible?), screen size, screen resolution and other features (keyboard backlighting?). Browser based thin...
by michaeljc70
Sat Aug 04, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: How do you think about your mortgage in relation to your stock/bond portfolio?
Replies: 32
Views: 2388

Re: How do you think about your mortgage in relation to your stock/bond portfolio?

There's been many discussions on this. My home and its accompanying mortgage are not part of my investment portfolio and therefore have no impact on it.
by michaeljc70
Sat Aug 04, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4383

Re: Which diet soda pop do you enjoy?

Coke Zero. I have to substitute for Diet Coke/Pepsi sometimes as it seems to be carried places less and less.
by michaeljc70
Sat Aug 04, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 35
Views: 2117

Re: Decided on Chromebook, now need spec help

The specs the OP listed sound like overkill to me. Unless they have a tendency to open a ton of tabs/run a ton of Android apps at one time. I would concentrate on form factor (do you want a convertible?), screen size, screen resolution and other features (keyboard backlighting?). Browser based thing...
by michaeljc70
Sat Aug 04, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 2967

Re: USPS Informed Delivery

I believe they use credit bureau information. Look at your credit reports. There are addresses on mine I never lived at (a past SO did).
by michaeljc70
Sat Aug 04, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Google Voice went Poof
Replies: 7
Views: 1221

Re: Google Voice went Poof

Google Voice TOS: "Don’t misuse our Services. For example, don’t interfere with our Services or try to access them using a method other than the interface and the instructions that we provide. " Is not an Obi device a method of accessing their services other than the instructions that are provided b...
by michaeljc70
Sat Aug 04, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: COBRA and the ACA
Replies: 2
Views: 355

Re: COBRA and the ACA

It seems you are exempt from the penalty if you are uninsured (or non-qualifying) for 3 months or less. So it probably makes sense to forget the short-term care, get the 2 months "free" COBRA (if no issues), and pay for 2 months of ACA coverage. Next year there is no penalty so it changes.
by michaeljc70
Sat Aug 04, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9634

Re: Few weeks into new job recieved significantly better offer elsewhere

OP, My gut feeling tells me that your gut feeling tells you not to take the new job. You are trying to sell yourself that it is no big deal and it is normal to be 6 months contract to permanent hire. And, you will be able to negotiate at a higher salary. Listen to your instinct. It tells you that t...
by michaeljc70
Sat Aug 04, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: COBRA and the ACA
Replies: 2
Views: 355

COBRA and the ACA

I found this thread that answered some questions: https://www.bogleheads.org/forum/viewtopic.php?t=243598 I have a few open questions though. My plan is to save as much as possible using the 60 day COBRA election period and 45 day payment period (and our good health). I quit my job this month. My em...
by michaeljc70
Sat Aug 04, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Realtor Compensation (Couldn't sell, so renting)
Replies: 21
Views: 2224

Re: Realtor Compensation (Couldn't sell, so renting)

Just curious why you are not dropping the price on your house. NJ has tons of houses that sit on the market for a long, long time and the listing prices tend to drop frequently over the course of the listing. This is especially true with houses above $600K. As for your question, 10% of the yearly r...
by michaeljc70
Sat Aug 04, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Realtor Compensation (Couldn't sell, so renting)
Replies: 21
Views: 2224

Re: Realtor Compensation (Couldn't sell, so renting)

Just curious why you are not dropping the price on your house. NJ has tons of houses that sit on the market for a long, long time and the listing prices tend to drop frequently over the course of the listing. This is especially true with houses above $600K. As for your question, 10% of the yearly r...
by michaeljc70
Sat Aug 04, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9634

Re: Few weeks into new job recieved significantly better offer elsewhere

I get people talking about "integrity". However, in this era, there is no job security (in general). Companies merge, layoff people and go under all the time. They make offers and then withdraw them. They can fire you at any time for any reason. It cannot be one sided IMO. Ultimately, you have to do...
by michaeljc70
Sat Aug 04, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Realtor Compensation (Couldn't sell, so renting)
Replies: 21
Views: 2224

Re: Realtor Compensation (Couldn't sell, so renting)

One month's rent is pretty standard where I live. If you plan to put the house back on the market after a year and offer the agent the chance to sell it again, maybe they will give you a break. Keep in mind they have already spent 3 months trying to sell your house and have been paid zero.
by michaeljc70
Sat Aug 04, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 4624

Re: best place to hide a key

Is carrying a key really that much of a burden when hiking? I could see if you were running a marathon or swimming....