Search found 233 matches

by cockersx3
Sat Oct 12, 2019 8:21 am
Forum: Personal Investments
Topic: Need help with 403b
Replies: 16
Views: 902

Re: Need help with 403b

Thanks for the input. I am 30, 2nd job, no other tax deferred investments. I plan on contributing the full 19k if possible by the deadline. I am not sure which one is the stable value fund. I will find out if there are any other plan charges. That Prudential Guaranteed Income you listed in your ori...
by cockersx3
Fri Oct 11, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 55
Views: 5064

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

Would a building permit have been required for any part of the work the seller was supposed to have done? If the home you purchased is not in compliance with building permits, you may want to take a look at your title insurance policy (assuming that you have one as the buyer, on top of whatever insu...
by cockersx3
Mon Oct 07, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Travelling through the EU?
Replies: 21
Views: 1804

Re: Travelling through the EU?

OP here. Just wanted to post a followup to anyone looking at this thread after the fact. What happened: I got off the plane in Germany (first stop in the EU), and immediately went through EU passport control before going to my net gate. The lines were very short - went through and got my stamp withi...
by cockersx3
Mon Oct 07, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should a job offer include details about relocation package?
Replies: 20
Views: 2095

Re: Should a job offer include details about relocation package?

I have relocated several times for work. In all cases, the offer letter called for "relocation consistent with company policies," and I would ask for - and receive - a copy of the relo policy prior to accepting the job. Never once had a recruiter hesitate when I asked. They hire people all the time,...
by cockersx3
Mon Sep 30, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: CamScanner alternative?
Replies: 10
Views: 1252

Re: CamScanner alternative?

I travel a lot for work, and use Adobe Scan on my phone to scan receipts for expense reports. Nice to be able to just scan things as needed and not worry about losing receipts. Overall I like it - it's free and takes good scanned images, and includes the "anti shake" provision you mentioned. After h...
by cockersx3
Mon Sep 02, 2019 10:50 am
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 13397

Re: 3 fund people how are you feeling?

I use the 3-fund portfolio, sort of. Our taxable funds are at Vanguard and our tax-deferred funds at with our employer plans at Fidelity (and some other places for my wife's employer that do not offer Vanguard funds), so for some accounts we have to use the Fidelity versions of VTSAX and VTIAX becau...
by cockersx3
Mon Jul 22, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Broken and New Dishwasher Issues
Replies: 11
Views: 1027

Re: Broken and New Dishwasher Issues

Are you up for just getting this repaired, or repairing this yourself? Not sure about a Bosch dishwasher, but for my GE dishwasher this was a very easy repair to execute. In my case the dishwasher contains a heating element in the bottom basin that was not working, and when I pulled it out to look a...
by cockersx3
Wed Jun 26, 2019 4:07 pm
Forum: Personal Investments
Topic: Received $2.5M in cash that I need to plan for
Replies: 16
Views: 3558

Re: Received $2.5M in cash that I need to plan for

Agree with previous posters that the DIY three-fund portfolio is totally do-able with a seven-figure portfolio. I do this and it's pretty easy. Applications like Personal Capital that allow you to determine aggregate asset allocations (stocks vs bonds, domestic vs international) make rebalancing ver...
by cockersx3
Tue Jun 18, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 13167

Re: With hindsight, what signs indicated you were about to lose your job?

[quote=gowri post_id=4597949 time=1560788576 user_id=89563] I have never been laid off. However, I was bullied at a job my my technical lead. I spoke to my manager, though he agreed he said he couldn't help me. Then with his consent, I spoke to her manager (who was also my manager's manager) about t...
by cockersx3
Thu May 30, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 5083

Re: Teaching jobs

I'm not a teacher, but have have been married to one for 25 years. As a previous poster stated, the market for teachers is 100% local. Areas in which the population is growing rapidly have more opportunities than those (that are stagnant or declining. When we lived in the southeastern US, my wife go...
by cockersx3
Mon May 20, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 14858

Re: Should I encourage my kids to work in high school/college?

I have mixed feelings about this. I've been working since I was 14, and was able to keep my grades up and had a good social life. That said, I do think that taking on a part time job can potentially cause issues with grades, and I do think there is value in participating in school sports which may b...
by cockersx3
Mon May 20, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Travelling through the EU?
Replies: 21
Views: 1804

Travelling through the EU?

Hi everyone, I recently booked tickets for a business trip to a subsidiary of my MegaCorp in the EU (in Scandanavia). The trip will require a plane change in Germany. I will be travelling from the US with an US passport. My question is - do I need to go through passport control / customs in Germany,...
by cockersx3
Fri Apr 19, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 21264

Re: Wife hates new job...wants to quit after 1 day

OP, how did Day 2 go? OP is likely busy being a supportive spouse instead of updating us! Here is the Day 2 Update: -Her boss met with her at the beginning of the day and said some big changes were coming but not to worry as she was a representation of the changes to come. He said due to restructur...
by cockersx3
Fri Apr 19, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Garage Door Opener Replacement
Replies: 28
Views: 2341

Re: Garage Door Opener Replacement

Agree with all the posters so far regarding the need to test out the door first to see if it is binding. This is very easy to do...basically just disengage the opener (should be a pull handle or something on the chain that allows you to do this easily) and try to open the door manually. If you have ...
by cockersx3
Tue Apr 02, 2019 7:18 pm
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 18334

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

Adding value to the company is the key to continually working. Your manager always ranks subordinates and knows who to lay-off if necessary. Staying flexible is very important too. +1, I am constantly stunned by the number of people who just want to be heads down or have zero idea or desire to add ...
by cockersx3
Tue Apr 02, 2019 7:00 pm
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 18334

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

Been there, done that. When I turned 55, my reviews magically went from "walks on water, here's an award" to "unsatisfactory" with daily meetings with my supervisor. The company has a history of pushing out workers over 50. I voluntarily separated when I found another job. Peers who were pushed got...
by cockersx3
Thu Mar 21, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna minivan for road trips
Replies: 23
Views: 1588

Re: Toyota Sienna minivan for road trips

We have owned Siennas since 2012...currently on our second. We love them. They drive very well, and are perfect for road trips for vacations and visiting out of town family. Big, but not too big to feel like youre driving a bus or something. Never had major issues with them, just routine maintenance...
by cockersx3
Tue Mar 12, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 6619

Re: lawn care cost

My lot is probably slightly bigger than yours, takes me about 45 mins to do myself with a push mower. There's a hill as well which makes it a pain. I pay my teenage daughters $25-30 per mow in the summer. They usually alternate weeks and they actually fight each other for the opportunity. Figure it'...
by cockersx3
Thu Feb 28, 2019 4:30 pm
Forum: Investing - Theory, News & General
Topic: Mega Backdoor Roth Mechanics Question
Replies: 17
Views: 1259

Re: Mega Backdoor Roth Mechanics Question

AllMostThere is correct: roll the traditional IRA contributions back into the pre-tax portion of the 401(k). However, IMO it's simpler to roll the entire after-tax balance into the Roth IRA and just pay income tax on the small amount of gains (if any). The difference is negligible in the long run. ...
by cockersx3
Wed Feb 20, 2019 5:18 pm
Forum: Personal Investments
Topic: “Won the Game” how do you know?
Replies: 96
Views: 8773

Re: “Won the Game” how do you know?

I knew the chase was over when $250k fluctuations didn't move me emotionally. +1000. I'm getting to be the same way. My portfolio is up by at least six figures since December, and I'm like....whatever. Zero emotional response. Same thing on the down side - was down by six figures at the end of last...
by cockersx3
Wed Feb 20, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 431
Views: 62480

Re: Losing a job in your 50's...

This has been a great thread to read, thank you to those willing to share about tough experiences. I'm an individual contributor in IT, age 30, so this gives me a lot of things to think about. I was once too, now I’m almost 50, still doing ok but you never know. My advice is: save all you can. Comp...
by cockersx3
Wed Feb 20, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: High earners: thoughts on college and aid
Replies: 91
Views: 7794

Re: High earners: thoughts on college and aid

A few years of hitting the back nine of six figure salary and a net worth about 10x has left us with no real chance of any need based contribution (a real first world problem I know). Interestingly as the first daughter went off to school I realized the merit allowances given by the schools were th...
by cockersx3
Fri Feb 15, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever heard of an unsolicited retroactive pay raise?
Replies: 24
Views: 2052

Re: Anyone ever heard of an unsolicited retroactive pay raise?

Yes - I received one at a former employer, and I also delivered one to an employee at the same employer. I know of others that also received something similar, and this includes both male and female employees. (As you can imagine, recipients were strongly urged to not share the info with anyone else...
by cockersx3
Sun Feb 10, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: "Qutting" Job soon: Some questions (unemployment, health insurance)
Replies: 5
Views: 1041

Re: "Qutting" Job soon: Some questions (unemployment, health insurance)

My suggestion, if it is not already too late, is to find another job before you resign from your current employer. It may take longer than you expect to find another job, and this would eliminate the concerns you mention. It should not be too difficult to tolerate the new situation because you know...
by cockersx3
Wed Feb 06, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12202

Re: Need Help - DW Laid Off and Company wants her back now

That company sounds like a real cluster-mess. :mrgreen: She should take any severance offered and go work for the competition. That's what my thought was as well. She's got 4 months of severance, right? If she has that much of an impact in her current organization, it's reasonable to think other co...
by cockersx3
Fri Feb 01, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 27387

Re: Cost of college and 529

So, I guess we can either fund a masters degree, or save it for grandkids, or cash it in and pay back the state deduction plus penalty and tax on the earnings (amounting to $4K total). This is an important point. If your state provides a tax deduction for 529 contributions and you later use the mon...
by cockersx3
Sat Jan 26, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 85
Views: 12973

Re: Follow-up to: My daughter's inheritance

Hi Bogleheads, My daughter and I are further down the road, and I have returned to this site with additional questions. I did move her 1.25+M to Vanguard, and presently it sits in a Money Market fund while we weigh our investment options. We are close to the year anniversary of her father's death, ...
by cockersx3
Sat Jan 26, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel overpaid?
Replies: 72
Views: 4924

Re: Do you ever feel overpaid?

Not a typical question, do you think your overpaid for what you do? But there are times I've felt as such. I recently looked up salary statistics and per the math, I'm not overpaid at all. I'm a chemical engineer with a little over 20 years experience and compensation was over 130k this year. But a...
by cockersx3
Thu Jan 24, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 22532

Re: Why doesn't a lot of money feel like a lot of money?

Have you ever been in a situation where you had no money? Where money was actually scarce? That is when you realize the value of a dollar, and depending on how long that scarcity existed, you will never forget it! This does it for me. I grew up without a lot of money, and yet I don't remember that ...
by cockersx3
Wed Jan 23, 2019 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - quit 6-figure job to do coding school?
Replies: 118
Views: 10240

Re: Need Advice - quit 6-figure job to do coding school?

Great post - following with interest. Like the OP, I've given some thought to transitioning to software development as a career from a much higher-paid field. It is tough to find good advice for this, as most of the posts / articles out there are geared towards either a) people for whom an entry-lev...
by cockersx3
Fri Jan 11, 2019 8:58 pm
Forum: Personal Investments
Topic: Mega Backdoor ROTH Clarification
Replies: 20
Views: 1480

Re: Mega Backdoor ROTH Clarification

Not a problem. This is the standard direct rollover process. You will get a 1099R showing the taxable amount (a few bucks of earnings) in Box 2a. What your W-2 shows is another issue. I think the plan must record 18.7 of elective deferrals and treat the excess as distributed to you and recontribute...
by cockersx3
Fri Jan 11, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: SmartPhone: Does One Exist With these Parameters
Replies: 13
Views: 1634

Re: SmartPhone: Does One Exist With these Parameters

OP, I'm not sure it meets all your criteria, but just FYI the Moto G6 is currently on sale at B&H Photo for $199.99. That price is good till 11:59 PM ET on 1/12/2019. Meanwhile, Amazon has it for $189.99 (Prime) and $199.99 (Standard). I'm guessing that Amazon is matching B&H's price, and that thei...
by cockersx3
Sat Jan 05, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 16079

Re: Retirement itch- when did you get it?

After experiencing a life-threatening medical emergency. This. I got the itch after having major medical issues following a botched "minor surgery" that led to me being out of work (on short term disability) for several months. During my recovery, the people that I had spent the least time with and...
by cockersx3
Fri Jan 04, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: HRBlock Appears to be Calculating Tax Wrong 1/4/2019
Replies: 25
Views: 2678

Re: HRBlock Appears to be Calculating Tax Wrong 1/4/2019

I noticed that it seemed to choke on my wife's 403b and 457 plan deductions. She maxes out both, but when I entered some draft numbers based on our final 2018 pay stubs it showed a taxable income about $18,000 higher than it should have done. Digging into it, it seems like the software assumes that...
by cockersx3
Fri Jan 04, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant CU 3/2.5% Visa application process
Replies: 18
Views: 1487

Re: Alliant CU 3/2.5% Visa application process

I've had the card for about a year. I believe they asked me for a copy of my prior year 1040 for, but that was it. More onerous than the automated approval process other card issuers use, but I thought (and still think) That the benefits are worth it. I have not seen the issue others state about slo...
by cockersx3
Fri Jan 04, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA - is it worth filling out?
Replies: 109
Views: 6688

Re: FAFSA - is it worth filling out?

For those of you that needed to fill out the FAFSA in order to get merit aid....how did you know this? Is this advertised or clearly explained by the school? Just curious if this is something that can be predicted or whether one should fill this out "in case" it is needed for merit scholarships. In ...
by cockersx3
Fri Jan 04, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: HRBlock Appears to be Calculating Tax Wrong 1/4/2019
Replies: 25
Views: 2678

Re: HRBlock Appears to be Calculating Tax Wrong 1/4/2019

I noticed that it seemed to choke on my wife's 403b and 457 plan deductions. She maxes out both, but when I entered some draft numbers based on our final 2018 pay stubs it showed a taxable income about $18,000 higher than it should have done. Digging into it, it seems like the software assumes that ...
by cockersx3
Fri Dec 28, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Pre Cruise Ft Lauderdale Hotel
Replies: 36
Views: 2354

Re: Pre Cruise Ft Lauderdale Hotel

On our last cruise from that port, we stayed at the Hilton Garden Inn Ft Lauderdale. It's off of 95 and only like one exit away from the airport and cruise terminal. Price was reasonable, and it's across the street from a shopping area to allow you to pick up supplies and get dinner. Hotel actually ...
by cockersx3
Mon Dec 24, 2018 2:57 pm
Forum: Personal Investments
Topic: Anyone rebalancing?
Replies: 36
Views: 2563

Re: Anyone rebalancing?

Just rebalanced from bonds to equities this morning via my 401k. This is on top of the "continuous rebalancing" I've been doing via normal contributions. Not a market timer or anything, but man....just weird to watch the market tank this hard absent major issues with the economy. Seems like now woul...
by cockersx3
Fri Dec 21, 2018 9:40 am
Forum: Personal Investments
Topic: Has anyone been adding position
Replies: 9
Views: 834

Re: Has anyone been adding position

Yup. I'm out a bit more than that into VTSAX and VTIAX each month, and have been doing that for several years now. Kinda feels funny to keep doing that in this market, but that seems to be the best of all the other lousy alternatives available...so I've just stuck with it. For what it's worth, I thi...
by cockersx3
Tue Dec 18, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 6323

Re: Is Liquid Plumber / Draino bad for the pipes?

Don't underestimate a good plunger. We tossed ours in the last move and our dollar-store replacement is nearly useless. But our old one (not sure where purchased) was able to unclog tubs when used aggressively. Next time use a screen over the drain. +1 on this. Plunging has always worked for me. Fi...
by cockersx3
Sat Dec 15, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 8170

Re: Is a New Car Okay if Driven 15+ Years?

Just want to chime in and say that, as far as minivans go, the AWD Siennas are probably one of the best out there IMO. Handles great in the snow, unlike my wife's last minivan that may as well have had skis - almost dangerous in bad weather. And of course, they are Toyotas and so they last forever. ...
by cockersx3
Thu Dec 06, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Dishwasher stopped working well
Replies: 16
Views: 1661

Re: Dishwasher stopped working well

I had a similar problem once with a different brand of dishwasher. Turned out that one of the electrical connections to the heating element in the dishwasher basic had come off. This prevented the dishwasher from heating up the incoming water, which made it not clean very well. I found it out by sea...
by cockersx3
Mon Dec 03, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 16079

Re: Retirement itch- when did you get it?

Early 40's for me. I had always been a company man when I was younger, with a very strong work ethic who would consistently take on and deliver on the tough projects for my companies. This involved a lot of time in the office away from my family, but I was convinced that working hard was the right t...
by cockersx3
Mon Dec 03, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10675

Re: How did YOU choose your career?

Hi everyone, Just wanted to pause and say a huge THANK YOU to all who have responded so far. I have been crazy busy these last few days, and haven't had much time to read many of the posts all in one sitting. I've been pleasantly surprised at the volume of responses so far though...! It may not seem...
by cockersx3
Mon Dec 03, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10675

Re: How did YOU choose your career?

OP, Next week (Dec. 3-7), the PBS News Hour will be talking about the future of work. It probably won't be for the whole hour, but some of it may interest you/your daughter. To find online career aptitude tests, just google "career aptitude tests". I don't know if any of them are any good and they ...
by cockersx3
Mon Dec 03, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10675

Re: How did YOU choose your career?

I am an enigma. I knew at age 7 I wanted to be a pilot. We couldn't afford lessons. Couldn't afford college. But my grades got me into the US Naval Academy. Had a blast studying EE and selected for pilot. Then got jets. Flew for 20 years with a test pilot focus and 3 combat tours. What a rush. Reti...
by cockersx3
Mon Dec 03, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10675

Re: How did YOU choose your career?

I didn't know what I wanted to be when I was in HS in Los Angeles, but I saw myself going to an East Coast liberal arts college, so that's what I did. I majored in Biology, since my grandfather was a doctor and it seemed more practical than majoring in English. When I graduated from college, I stil...
by cockersx3
Mon Dec 03, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10675

Re: How did YOU choose your career?

Big companies set up desks at my college and interviewed me there and one of them hired me. (For IT work.) Yup. As an engineer myself, this was pretty much the process for me as well. I did what everyone else did, attended all the on-campus job fairs, and eventually got hired right out of college. ...
by cockersx3
Fri Nov 30, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10675

Re: How did YOU choose your career?

I'm a big believer in taking time off between HS and college, or after one year of college just to get a feel for what it is like. Back at college in my 30s I saw so many students who treated higher ed like an extension of high school. A "gap decade" may not be as feasible nowadays with so much com...