Search found 123 matches

by csm
Fri Oct 13, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 5618

Re: Made a career mistake- advice/next steps

During the interview process I was led to believe the role was much more than it has turned out to be. It was presented as a very similar role to my previous job and I was excited to continue on my career growth. I was offered more money for what I thought was a similar role so I was happy to accep...
by csm
Fri Oct 06, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 228
Views: 27977

Re: Retirement Account Stolen by Identity theft

OP, thanks so much for posting this frightening story so we are all aware of what can happen. One other step you may wish to take going forward is to set up a CreditKarma account for your father, using your own email address, and monitor it frequently. When my mother passed away a few years ago, thi...
by csm
Wed Oct 04, 2017 5:53 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6295

Re: MoviePass-Too good to be true, but it's legit.

Wow - thank you for posting. This looks like a no-brainer. Not that we have been going to the cinema very often these days, but this will certainly make it worthwhile. Several of the movie complexes in our area appear to be participating. Hopefully it is possible to get tickets at the last minute as...
by csm
Sun Sep 24, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move?
Replies: 16
Views: 1234

Re: Should I move?

It will be good for you to visit and get a feel for the area. The "suburbs of Orlando" cover a lot of area, so it will be good for you to visit and speak with your potential boss and get an idea of where the clients would be. Those you mentioned (Winter Springs, Lake Mary, Oviedo) would be on the no...
by csm
Sun Sep 24, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: 28 Year Old having a Crisis, how am I doing?
Replies: 27
Views: 4599

Re: 28 Year Old having a Crisis, how am I doing?

I have experience in the industry for the past 4 years but I’m unsure of having a love for it, my original path of working in hospitality got derailed when I suffered a few sports injuries and I resorted to the first financial job I could find. Could you elaborate on this statement? Is it your desi...
by csm
Sun Sep 24, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Should I move?
Replies: 16
Views: 1234

Re: Should I move?

A few more thoughts after re-reading your original post: You say that your current condo is valued at $125,000. Do you have a mortgage, or is that free and clear? You will unlikely find a condo in a safe area of Orlando for that price. Again, it will be important to know where your work is to determ...
by csm
Sun Sep 24, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I move?
Replies: 16
Views: 1234

Re: Should I move?

Have you spent much time in Orlando? My husband and I have owned a second home in the Orlando area for 13 years. We have spent between 6 weeks and 3 months per year there every year during this time. The area is insanely crowded, traffic is horrible, most jobs are low-wage and in the tourist industr...
by csm
Tue Sep 19, 2017 1:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9029

Re: Bogleheads you would most like to meet and why?

Taylor Larimore - really enjoy and appreciate the wisdom of his posts, but more than that, he sounds like an incredibly interesting person and one who is genuinely nice, he seems to live life to the fullest, and comes across as truly respectful of others Many others as well, including livesoft but ...
by csm
Mon Sep 18, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 1744

Re: Audio books

i hate audio books 'cause usually the voice of the reader is terrible I have rarely listened to a narrator that was awful. On Audible / Amazon you can hear an excerpt of the audiobook to determine whether the voice appeals to you. I have listened to audiobooks where I felt the narrator has actually...
by csm
Sat Sep 16, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 1744

Re: Audio books

I agree with several of the above comments re: Audible. A few additional details to keep in mind: You can pay the $14.95 per month but the maximum number of credits you can hold/rollover at one time is 6, so be sure not to lose any. You can also put your account "on hold" for up to 3 months once per...
by csm
Tue Aug 22, 2017 4:33 am
Forum: Personal Finance (Not Investing)
Topic: Overextended in Bay Area housing?
Replies: 37
Views: 3888

Re: Overextended in Bay Area housing?

We pay everything with credit card when we can. Is a monthly expense of $3000 not typical? Mortgage, insurance, property tax are about 3800 per month. 3,000 for monthly expenses. 1,000 for childcare. 1,000 for student loans. Take home after taxes is 11,700. So 11,700-8,800 is 2,900 left over each m...
by csm
Sat Aug 19, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15799

Re: Capital One $400 bonus for new checking account

I missed the $400 offer, but opened a Capital One 360 checking account in July based on the $300 offer. I have so far made ACH transfers for between $255 and $455 each of 2 x Paypal, 1 x BoA Checking, and 2 x Vanguard. Still no bonus. Following this thread, I was certain that the second Vanguard tra...
by csm
Tue Aug 15, 2017 1:29 am
Forum: Personal Finance (Not Investing)
Topic: trailer SUV combination for tyro
Replies: 11
Views: 1182

Re: trailer SUV combination for tyro

If I were you, I'd consider a small to mid-size class B motor home; one that can be used for sight-seeing when you arrive at your destination so that you don't have to tow a small vehicle behind. +1 on the Class B. Airstreams are heavy so if you want to tow with an SUV you will need to keep to the ...
by csm
Sun Jul 23, 2017 2:58 am
Forum: Personal Finance (Not Investing)
Topic: Tax Exclusion for living abroad using Foreign Earned Income Exclusion (FEIE) questions
Replies: 38
Views: 1418

Re: Tax Exclusion for living abroad using Foreign Earned Income Exclusion (FEIE) questions

You can claim the FEIE under the physical presence test if you qualify based on the 330 days rule without having to be liable for foreign tax in your country of residence. However, if you switch to the bona fide resident rule, there is a box you must tick on the Form 2555 where you state that you ar...
by csm
Fri Jul 21, 2017 4:22 am
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 5422

Re: Denver or Portland for a 2nd home

For an outdoors person, the weather will be a big factor, and there is quite a difference between Portland and Denver. Portland is milder but with more rain and overcast days. Denver will have colder winters with much more snow. Which one do you favor? Both are close to beautiful nature, state and n...
by csm
Wed Jul 19, 2017 2:29 am
Forum: Investing - Theory, News & General
Topic: depleting accounts in retirement
Replies: 27
Views: 5189

Re: depleting accounts in retirement

Though the topic is "depleting", I should note that for some folks with bountiful retirement income from pensions, annuities, SS, and RMDs, we can start to see our taxable investment accounts INCREASE in size starting around age 70. I'm starting to see this a bit now at age 67, though these funds a...
by csm
Sat Jul 15, 2017 4:46 am
Forum: Personal Consumer Issues
Topic: Upcoming Marriott Stay
Replies: 13
Views: 1793

Re: Upcoming Marriott Stay

I'm not sure about Marriott, but some rewards programs will allow you to book a points + cash stay, so you could use the points you have to lower the out-of-pocket cost.
by csm
Sat Jul 08, 2017 2:28 am
Forum: Personal Consumer Issues
Topic: Which apartment should we rent?
Replies: 22
Views: 2201

Re: Which apartment should we rent?

Moving sucks, so if at all possible we would like our choice to be our home for as long as we're here (at least 5-7 years) . Option 1 - no contest. Option 2 looks depressing and the landlord situation sounds a little strange. Option 3 is uncertain about how long you can stay, plus isn't as convenie...
by csm
Fri Jul 07, 2017 3:02 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital - Phone Discussion
Replies: 39
Views: 5304

Re: Personal Capital - Phone Discussion

I've been using Personal Capital for about a year or so and very much like the Dashboard for an overview of my entire financial position, as well as the Allocation tool to see my AA across multiple accounts. I also frequent the Retirement Planner and input different scenarios regarding spending in r...
by csm
Fri Jun 30, 2017 1:55 am
Forum: Personal Finance (Not Investing)
Topic: Can we create a Wiki entry on ACH transfers?
Replies: 15
Views: 2179

Re: Can we create a Wiki entry on ACH transfers?

I would also suggest adding foreign currency transfers and the fees associated with those. For example, I learned about TransferWise via this forum and it's been great.
by csm
Thu Jun 29, 2017 6:24 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 20161

Re: Buying house - Very important decision

Also, I understand from your original post that you have a single income? How stable is that job and what happens if the working spouse loses it? What safety net? Calculate what the mortgage + property taxes would be on this house, then put the amount over $1300 (your rent) in savings for the next y...
by csm
Wed Jun 28, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?
Replies: 46
Views: 2008

Re: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?

With the kids, we usually add 1.5 hours to a 5.5 hour drive, so I assume a straight 7 hour drive would be 8.5-9 hours in reality. A couple of things for me personally. I don't wake up early for anything. There is no way my body would allow me to wake up at 4 or 5 AM to drive somewhere. Similar for ...
by csm
Tue Jun 27, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Best way to look for a "long-term" rental
Replies: 6
Views: 772

Re: Best way to look for a "long-term" rental

I have also tried to search for 2-6 month rentals and one challenge with AirBnB and VRBO is that you cannot search for those that offer monthly or longer rates. You have to look at individual listings, some of which will reflect a discount for a monthly rate. I wish there were a better resource for ...
by csm
Thu Jun 01, 2017 5:27 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 165
Views: 25006

Re: What do you guys do on the side?

Last year, we earned $9k all together in miles, cash back, brokerage bonuses, and interest. We're on track to exceed that this year. It does take some time to do all this. Though, personally, I sort of enjoy it. Ron Thanks for taking the time to give the details. I've done a couple of the credit ca...
by csm
Wed May 31, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 165
Views: 25006

Re: What do you guys do on the side?

I open checking accounts, transfer brokerage balances (and collect referral bonuses from brokerages), and open credit cards for bonuses that net me roughly 1k a month. Ron Wow, I had no idea there were enough of these around to net a consistent monthly amount. How much time do you spend tracking th...
by csm
Sat May 27, 2017 4:49 am
Forum: Personal Consumer Issues
Topic: Recommendations for moisturizing lotions that don't feel greasy
Replies: 37
Views: 3340

Re: Recommendations for moisturizing lotions that don't feel greasy

It sounds like you are looking for a whole-body lotion, but for a non-greasy hand cream, the best I've found is Lancome Absolue Hand with SPF15. It is expensive, but you do not need much and my hands have no greasy feeling whatsoever after applying it. Almost all other hand cream or lotion has me wi...
by csm
Sun May 21, 2017 3:51 am
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 6033

Re: What are your priorities for retirement?

To me it was all about finding the right place to live in retirement that we could afford, with the right climate, and where we felt we were a reasonable fit in terms of local culture and politics. Priorities - 1. Live in a place where we can stay fit and healthy and play a lot - must have an affor...
by csm
Tue Apr 18, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: "Vanguard's free RMD Service: Sign up before you turn 70½"
Replies: 23
Views: 2995

Re: "Vanguard's free RMD Service: Sign up before you turn 70½"

Fidelity also have automated RMD options that are very simple to set up and work well. I have an inherited IRA from my mother that I've set up to draw the RMD once per year in December, to allow for the maximum amount of time for the balance to grow. The RMD is, of course, calculated on the closing ...
by csm
Sun Apr 16, 2017 4:24 am
Forum: Personal Consumer Issues
Topic: radio alarm clock that projects the time on the wall or ceiling
Replies: 18
Views: 1783

Re: radio alarm clock that projects the time on the wall or ceiling

I have a Sony but cannot find the exact model online right now. The important thing is that I can completely dim the regular display so that it is not lit and use only the ceiling projection at night. I was very worried when my husband suggested the projection model because I am bothered by any ligh...
by csm
Sun Apr 02, 2017 2:42 am
Forum: Investing - Help with Personal Investments
Topic: Recent Retiree with many questions
Replies: 29
Views: 5074

Re: Recent Retiree with many questions

With a waterfront townhome and view of the Golden Gate Bridge, could you consider renting a room as a B&B type option via AirBnB? I would think you could potentially earn more that way than taking in a full-time roommate, and not have to give up your privacy all the time. Also, you would not hav...
by csm
Sun Mar 26, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any downside to Home Equity line of credit even if we won't use it immediately?
Replies: 24
Views: 3093

Re: Is there any downside to Home Equity line of credit even if we won't use it immediately?

I made the mistake of waiting on a HELOC! I liked the idea of having a line of credit available as an emergency even if I rarely used it. I applied for one after I retired and I did NOT qualify!! The banks need documented income to quality. I was using non-qualified savings, waiting on SS, seven fi...
by csm
Sun Mar 26, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: What safe investment vehicle has the highest yield right now?
Replies: 22
Views: 3390

Re: What safe investment vehicle has the highest yield right now?

In my particular case, starting another lifetime payout annuity this year, the rate was a chunk better than all ten companies quoted on immediateannuities.com. You need a decent employer plan with TIAA to get the best rates. Their IRA rates are less... Thanks. I do not have an employer plan with TI...
by csm
Sun Mar 26, 2017 5:57 am
Forum: Investing - Help with Personal Investments
Topic: What safe investment vehicle has the highest yield right now?
Replies: 22
Views: 3390

Re: What safe investment vehicle has the highest yield right now?

If you can get a job with the right college or other non profit employer, TIAA Traditional is paying 4.0% for new money right now. This is for long-term retirement money, not savings for a car or a house down payment... m This looks interesting and eligibility appears expansive. Would this be a bet...
by csm
Sun Mar 26, 2017 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Is there any downside to Home Equity line of credit even if we won't use it immediately?
Replies: 24
Views: 3093

Re: Is there any downside to Home Equity line of credit even if we won't use it immediately?

I've had a HELOC for a number of years, at 2 different banks. Since I don't keep a lot of ready cash on hand, I use the HELOC for things like vehicle purchases, when I want the cash immediately, then work out how I'll repay it a quickly as possible. It works for me. There's no penalty for hanging o...
by csm
Tue Mar 14, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Looking for direction...two years later
Replies: 18
Views: 2106

Re: Looking for direction...two years later

I agree with those who suggest you not buy a house, unless you really want one and believe you can find one that you would plan to stay in fairly long term, maybe 10+ years. You have so much more freedom without the property taxes, insurance, maintenance, repairs, upgrades, etc., not to mention if y...
by csm
Sun Mar 12, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Overall Plan for Household - Comments sought
Replies: 9
Views: 923

Re: Overall Plan for Household - Comments sought

Swedish bank Nordax has 2.0% (no special restrictions), it operates in Norway, but with 100k euro limit/bank guarantee. Nothing similar in Denmark? Nothing I've been able to find for cash held in DKK, but I'll try to investigate more. Really need to find a reasonable rate for cash held in kroner. T...
by csm
Sun Mar 12, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Overall Plan for Household - Comments sought
Replies: 9
Views: 923

Re: Overall Plan for Household - Comments sought

Liveware Problem wrote:
- Cash 52% (4 years of expenses for household at 2% interest)


Are you able to get 2% interest on liquid cash savings from a Norwegian bank? That's very good.

I'm in Denmark and interest rates on bank savings accounts is very near 0%.
by csm
Mon Mar 06, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth milestone reached: $100,000!
Replies: 53
Views: 5221

Re: Net worth milestone reached: $100,000!

Congratulations, great to hear this inspiring story. You and your wife deserve to be proud of all that you have accomplished.

Thanks for sharing!
by csm
Sat Feb 18, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Foreign bank transfer, small
Replies: 9
Views: 849

Re: Foreign bank transfer, small

I have used TransferWise for transfers from DKK to USD in amounts between $5,000 - $10,000 and been very happy with the service. They should handle Euro payments equally efficiently and at a reasonable cost. I'm surprised they would not take a credit card which would be the easiest for a small purch...
by csm
Fri Feb 17, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on time frame for changing investments to 3- or 4-fund portfolio: all at once or bit by bit?
Replies: 8
Views: 799

Re: Need advice on time frame for changing investments to 3- or 4-fund portfolio: all at once or bit by bit?

Any taxable account investments? For me, best practices would be to minimize tax impact if possible. But you wrote "retirement accounts", so just do it. Here is an example of how one such simplification happened: m Thank you for posting this link. A fascinating read and something I may st...
by csm
Wed Feb 08, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Brokerage with Easiest Steps for IRA Conversion
Replies: 11
Views: 926

Re: Brokerage with Easiest Steps for IRA Conversion

Fidelity is very easy. Every January I contribute the maximum to a Traditional IRA for both my husband and myself, then the following day back-door it to a Roth IRA. I also like that Fidelity will allow you to keep the tIRA account open even after transferring the entire balance so it's ready for th...
by csm
Mon Feb 06, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Walkable Florida
Replies: 17
Views: 2113

Re: Walkable Florida

Own a Class B "Roadtrek" I have not covered every State in the country,of those that I have. New Mexico,Colorado,Gulf Shores Alabama,Panhandle of Florida.Northwest Florida, Outer Banks of North Carolina,,,come to mind as places I enjoyed and would go back and spend time Wonderful! We have...
by csm
Mon Feb 06, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 5010

Re: Disney Cruise instead of Disney World?

Memorial weekend will be crowded but May shouldn't be as bad as mid-summer. It's good that you are planning in advance. Just take it easy and don't plan to do everything. Select those activities that will be most enjoyable. Learn how to use the FastPass+ system to avoid the worst of the lines. Also ...
by csm
Mon Feb 06, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Walkable Florida
Replies: 17
Views: 2113

Re: Walkable Florida

I travel quite frequently to Florida in the RV. I tend to avoid the East Coast. The Gulf is beautiful but like the east coast people are packed like Sardines in a can. I have found myself roaming the Panhandle and Central Florida. Toons, what type of RV do you have? We are retiring soon and will se...
by csm
Mon Feb 06, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 5010

Re: Disney Cruise instead of Disney World?

I echo what others have said about avoiding Disney World in the summer. Excruciatingly hot and humid and massive crowds. I have not done a cruise so cannot judge that, and a lot depends on your family / son and how you enjoy spending your vacation time together. But Disney World is exhausting even d...
by csm
Sun Jan 15, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 17
Views: 2151

Re: Relocating to Berlin upon retiring. Please critique my plan.

I lived in Frankfurt for three years in the late 80's. Prior to moving, I registered to audit a beginning German language class at the university (night school). I moved before the semester even ended, so only had a couple of months of once-per-week classes, but I still was able to speak some basic ...
by csm
Fri Jan 13, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Best Index fund for spouse Roth IRA
Replies: 2
Views: 313

Re: Best Index fund for spouse Roth IRA

Thank you! I had overlooked that it was 85% stock and thought it had a higher bond allocation.
by csm
Fri Jan 13, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Best Index fund for spouse Roth IRA
Replies: 2
Views: 313

Best Index fund for spouse Roth IRA

I opened a spousal Roth IRA for my husband a few years ago when he first became eligible (got his SSN as a green card holder, and is now a US Citizen). We've invested the maximum allowable each year. He is 50 years old and the account balance is just over $41K. Hopefully, we will continue contributi...
by csm
Mon Jan 02, 2017 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of upgrading primary residence, do you recommend?
Replies: 29
Views: 2499

Re: Thinking of upgrading primary residence, do you recommend?

Current house 4 Bed 2.5 Bath, DW wants to upgrade to a bigger house (Big Kitchen, 3 Bath and a basement) You already have 4 bedrooms and 2.5 bathrooms but want a 3rd bathroom for a family of 4 where both kids are the same gender? Is there a reason the current 2.5 baths are not working out, e.g. loc...
by csm
Thu Dec 29, 2016 5:55 am
Forum: Personal Finance (Not Investing)
Topic: What home maintenance issues to expect after a decade or so in a home
Replies: 18
Views: 2265

Re: What home maintenance issues to expect after a decade or so in a home

Also remember that while the HOA takes care of exterior maintenance like roof replacement, you need to be sure that your HOA sets aside sufficient reserves for this or else you may be hit with a special assessment at some point. If you do not keep an eye on your HOA's budgets and reserves, I recomme...