Search found 771 matches

by ladders11
Fri Dec 08, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5627

Re: It's that time of year again... buying christmas gifts

Only time I've given a boss a gift it was a tiny company where I worked directly with the owners, the gift was just a nice gold Christmas ornament (~$15) and got one for the coworker. Seemed to get sincere appreciation being obviously just a gesture related to the holiday. I would suggest something ...
by ladders11
Thu Dec 07, 2017 1:55 am
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5043

Re: Recommended places to live

better for allergies and asthma more greenery and some scenery near water or mountains in the background climate of the actual 4 seasons with neither a dominant summer or winter excellent value low cost of living low taxes Well I've summarized. I don't think anything listed so far matches all these...
by ladders11
Tue Dec 05, 2017 1:19 am
Forum: Personal Consumer Issues
Topic: Trip to Los Cabos - do I need to have Pesos?
Replies: 12
Views: 1195

Re: Trip to Los Cabos - do I need to have Pesos?

Personal opinion get $2000 pesos ($100 USD) at your home bank to take with you for tips and emergencies. There's ATMs everywhere but with extra charges. Find your bank's nearest ATM to your hotel online before you get on the plane. Use a no FTF credit card where you can. But expect some places don't...
by ladders11
Mon Nov 20, 2017 1:07 am
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2612

Re: Are expensive tires worth it?

Agree with the sentiment, don't be too cheap about tires, or shoes... drive safely!
by ladders11
Mon Nov 20, 2017 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Job offer negotiation - help
Replies: 6
Views: 1018

Re: Job offer negotiation - help

First, you need to determine the market value of your job. Secondly, use Glassdoor to lookup what BoA is paying for your job; it should be listed. This will prepare you to negotiate. Once everything has been discussed and offered, evaluate their package. Consider how much over time you’re going to ...
by ladders11
Tue Oct 24, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44181

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

For those of us holding VTI, VT, and BND at TD, would it be better to just pay the new transaction fee, or find equivalents from the new no-fee list? If so, what would be good equivalents? Thanks! VTI ~ SPTM BND ~ SPAB VT ~ There is no equivalent for VT. There is a fund ACWI which is similar but ex...
by ladders11
Sat Oct 21, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44181

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I've read this entire thread, and others, as well as the wiki (https://www.bogleheads.org/wiki/Three-fund_portfolio#Other_than_Vanguard.2C_Boglehead-style ) and am still confused. Can someone please confirm or correct the following: If you have or will have a tax advantaged account at TDA (such as ...
by ladders11
Fri Oct 20, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44181

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

It's as if you bought a jar of cookies. You worked hard all week to earn your money, and spent time going to the store and picking out your favorite cookies for your jar. Then one evening you feel hungry and head to your kitchen. Right when you reach for your cookie jar, it disappears! Before you fi...
by ladders11
Thu Oct 19, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44181

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Am I the only one that thinks this is kind of insidiously bad? No, you're not! The old commission-free ETF list followed a central philosophy, that TDA delineated as follows: “A better way to invest in ETFs” “100+ commission-free ETFs from leading providers with Morningstar research and ratings and...
by ladders11
Tue Oct 17, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44181

Re: Fellow TDA bogleheads

I doesn't just seem financially inconsistent, it seems completely reactionary. It comes across as one of those customers that thinks everything should be free for them and as soon as it isn't they blame the company as if it was a personal attack. Expects everything to be free for them... because th...
by ladders11
Tue Sep 12, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Three days in Prague during September
Replies: 19
Views: 1868

Re: Three days in Prague during September

bertilak wrote:
Tue Sep 12, 2017 10:46 am
Three Days in Prague

Wasn't that an Alfred Hitchcock movie based on a LeCarre book?
I wish this existed! However Hitchcock, 1899-1980, mostly predated Le Carre, whose novel Spy Who Came in From the Cold was published in 1965.
by ladders11
Tue Sep 12, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 19652

Re: Is it really Worth it to brown bag your lunch at work?

What is more compelling is trying to half brown bag. Has anyone tried this? Lets say you buy some of those individual potato chip packs. Buy yourself a case of soda, water, or juice. Then, you get a sandwich (only) from a restaurant and eat the chips you have conveniently stored in your trunk. Fries...
by ladders11
Sun Sep 03, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 13642

Re: Florida Hurricanes: When and where to go?

Lived three miles from the Atlantic for two years, and sat through two hurricanes. I was never ordered to evacuate and I'm pretty sure the only people who were, lived right on the beach. The thing to prepare for is more the loss of electricity, and basically all the stores and restaurants closing. Y...
by ladders11
Sun Sep 03, 2017 12:19 am
Forum: Personal Consumer Issues
Topic: Does anyone use Driving Shoes?
Replies: 40
Views: 4308

Re: Does anyone use Driving Shoes?

I used to have some canvas driving shoes (bought for around $30) made by a company called GBX. I usually hate cheap shoes; I usually avoid the driving moccasin look. However, these were a good fit for me and I found there was something to be said for the comfort and convenience of driving in a shoe ...
by ladders11
Wed Aug 02, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Finance as a college major?
Replies: 50
Views: 4688

Re: Finance as a college major?

I was an accounting major undergrad. Got my CPA and an MBA in Finance. Worked in private equity last 30 years. There is no doubt IMO that you can make more money in Finance than just about anything else. BUT IMO the last 30 years have been the golden age of finance; I think the next 30 years are go...
by ladders11
Wed Aug 02, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Cabins - "investments" or "consumptive purchases"
Replies: 38
Views: 3348

Re: Cabins - "investments" or "consumptive purchases"

Certain requirements of a cabin are inherently consumptive. You need gas to get there and back: that's an expense. If you need to buy furniture, dishes and housewares that won't have much resale value: those are expenses. You might also have utilities (internet, electricity, gas) and lawn care expen...
by ladders11
Wed Aug 02, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 5397

Re: Why is everything done with a mouse?

I have a touchscreen convertible laptop, and love it for reading/scrolling down. It's also speedy for filling out forms.

I know a lot of the Excel keyboard shortcuts for work, but if I don't use them I forget.
by ladders11
Wed Aug 02, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 74
Views: 7771

Re: Should I spend 5k annually on travel?

I also agree with the $5k annual travel expenditure. If you didn't want to spend $5k, you could take a trip closer to home. I would expect that travel is healthy for your marital relationship and life satisfaction, and an annual trip can be critical maintenance that you don't want to risk foregoing....
by ladders11
Sat Jul 08, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 53
Views: 4831

Re: What to wear for job interview - skip the tie?

Does weather change anyone's vote? If it's summer, and you are in Phoenix or Houston. You know you will need to park and walk in. Do you relent and skip the tie to avoid sweating buckets?

Personally, I keep the jacket, which covers the sweat, and skip the tie, which exacerbates it.
by ladders11
Tue Jul 04, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to learn about income of sales people in certain field?
Replies: 8
Views: 1372

Re: How to learn about income of sales people in certain field?

What the HR Compensation department does is submit anonymous information about how people are paid to salary surveys through consulting companies. They receive information in return which indicates how the industry pays and can compare what they pay. Whether they wish to offer high, low or average p...
by ladders11
Sun Jun 04, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Chicago Real Estate
Replies: 24
Views: 2951

Re: Chicago Real Estate

Il is really done for. Most people just have no idea how bad it really is yet. The upper income knowledge jobs are leaving. It will be very interesting to see what happens when companies can no longer attract top talent in the long term to fill positions. I know head hunters are starting to see thi...
by ladders11
Sun May 28, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 6895

Re: Retiring in southern college town

I'm going to throw a curve ball out there -- what about Auburn, Alabama? It's not coastal but you are maybe a 2 hour drive from the Panama City beaches. Dothan, AL is not really a college town but has a cool small town feel. You are maybe 1 hour from Panama City FL there. I spent quite a bit of tim...
by ladders11
Sat May 20, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: How to pick up good tires for the car?
Replies: 22
Views: 1980

Re: How to pick up good tires for the car?

You can look up on line how tires are specifically rated , and maybe if you're lucky you'll find a consumer report or similar that compared 2 tires you were debating. Yes, the government rates all new tires for treadwear, traction and temperature. https://en.wikipedia.org/wiki/Uniform_Tire_Quality_...
by ladders11
Sat May 20, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 3387

Re: Chandler, AZ

As a long time resident , I would also like to point out if you can afford a luxury home you can probably also afford to leave for most or all of the summer :sharebeer . Half of the Phoenix metro area is up north or in San Diego in July and August . As Phoenix and other "nether" regions gain popula...
by ladders11
Sat May 20, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 3669

Re: What goes in your smoothie?

Banana, spinach, strawberries, blueberries, and orange juice. I tend to prefer frozen berries. Sometimes, I will add plain yogurt; sometimes, other fruits like avocado, cucumber, or mango; other leafy greens work too. I don't like using water or ice.
by ladders11
Sat May 20, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 4047

Re: Bad experience with 'rescuing' a lost dog

Once I found a lost little dog who was not only wearing a collar, but also dragging a muddy leash around. How could this be? I walked all over the community half expecting the owner to be standing there. However, the only people outside had no idea whose dog this was. I took it back to my apartment ...
by ladders11
Thu May 18, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 10351

Re: Which Small SUV for 15 Year Reliability?

I have seen studies that show reliability differences level off after 6-7 years. Meaning the most and least reliable makes and models need repairs all the same.

I agree with the sentiment that you need to really love something to keep it 15 years. Get what suits you best.
by ladders11
Sat May 13, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 9
Views: 1271

Re: Car Rental in Mexico

Rented a car there and generally enjoyed it. It was nice to drive around and see whatever I wanted. Surprises: 1) Needed air in the tire. LOTS of speed bumps, I noticed a slow leak on the first day. Needed to use my gringo spanish to get air in the tire and the man showed me a "milagro" which was a ...
by ladders11
Thu May 11, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: Long distance move, issues/costs
Replies: 11
Views: 1218

Re: Long distance move, issues/costs

Amtrak has a freight service which ships 3ft sq boxes for $49. You could try this or just FedEx ground ship. Personally I would 86 the dresser and sofa and repurchase, because those are the only items that need trucking. You will incur costs in the thousands to save those two. Are they worth it? If ...
by ladders11
Wed May 10, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 3502

Re: Sunscreen for men in office environment

Chemical sunscreens irritate my eyes, so I look for the physical (zinc) sunscreens. This is where stuff gets you looking white. As a result, I use a lightly tinted sunscreen from Paula's Choice. It has a matte finish and blends perfectly with my skin tone. It is expensive, and I don't care.
by ladders11
Tue Mar 21, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Cord cutting: Masters Golf
Replies: 18
Views: 2415

Re: Cord cutting: Masters Golf

Masters.com and CBS.

And watch US Open or The Open online as well.

These are all good.
by ladders11
Sat Feb 11, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Payment Method for Private Used Car Sale
Replies: 43
Views: 3152

Re: Payment Method for Private Used Car Sale

Making the deal at the bank worked great for me, the teller counted the cash and a banker notarized the paper. Where I live you need a notary, be sure to check your state.
by ladders11
Sun Feb 05, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Walkable Florida
Replies: 17
Views: 2161

Re: Walkable Florida

You could live downtown in St Petersburg or Tampa. They have nice places with different price ranges. They are reasonably dense and active but not especially crowded. I don't think Bradenton, Sarasota, or Fort Myers have a real downtown. But if you live near a strip mall with a Publix, it will be ve...
by ladders11
Mon Jan 30, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?
Replies: 49
Views: 3912

Re: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?

Driving a RWD V8 today is like riding a brontosaurus.

My Grandma had one, and it was nice to have plenty of power, but two caveats were I basically had to look for parking in the back of the lot, and it took premium fuel.

Add to this, snow handling would suck.
by ladders11
Mon Jan 30, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Need a good commuter car fairly soon
Replies: 86
Views: 7587

Re: Need a good commuter car fairly soon

Ford CMax hybrid, used, around 10-14k
by ladders11
Mon Dec 19, 2016 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Deductible IRA Contributions Could Leave You Taxed Twice
Replies: 8
Views: 1321

Re: Non-Deductible IRA Contributions Could Leave You Taxed Twice

Thanks all. This has helped me come to terms with it. It is hard to explain how confused I have been. I've had to hike my 401k contributions since I realized I can't deduct traditional contributions anymore. On some level it makes good sense to be contributing to a Roth anyhow, given my time horizon...
by ladders11
Sun Dec 18, 2016 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Deductible IRA Contributions Could Leave You Taxed Twice
Replies: 8
Views: 1321

Non-Deductible IRA Contributions Could Leave You Taxed Twice

Hey, I've made a mistake and really feel like Last year I deducted a $5,500 traditional IRA contribution, problem being I was not actually eligible to do so. I was part of an employer plan for the first time in 5 years, and exceeded the income limit for deductibility (two bonuses, a relocation gross...
by ladders11
Wed Dec 14, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: Cancun / Playa de Carmen – transportation issue with infant and toddler
Replies: 11
Views: 1414

Re: Cancun / Playa de Carmen – transportation issue with infant and toddler

You can indeed arrange day trips/tours from your hotel, carrying the children and their gear. I'm not sure how much a taxi would cost since your destinations are up to 3 hours away from where you are staying. However, the cost of arranging these alternate modes of transportation will exceed a week's...
by ladders11
Thu Nov 24, 2016 6:52 pm
Forum: Investing - Theory, News & General
Topic: Why International Stocks
Replies: 73
Views: 9053

Re: Why International Stocks

4. I don't understand why the beginning point for a person's portfolio should have anything to do with the makeup of all the global equity markets. It also seems that a lot of investors on here talk about the importance of using the global market weights for US:Int when designing their portfolio, b...
by ladders11
Sun Nov 20, 2016 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Severance Package Taxes
Replies: 10
Views: 2086

Re: Severance Package Taxes

Severance is taxed the same as regular salary income. Severance payments are subject to social security and Medicare taxes, income tax withholding, and FUTA tax. However, the withholding will possibly be different. There's actually a separate withholding covered in IRS Publication 15. Severance is p...
by ladders11
Sun Nov 20, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Paid Loss Ratios for Car Insurance
Replies: 7
Views: 957

Re: Paid Loss Ratios for Car Insurance

I thought the article was interesting. The concept of a "different kind of company," whether a mutual, co-op, shareholder or employee owned business is compelling and there are plenty of positive experiences. Vanguard is one such example, USAA is another and Publix supermarkets is another....
by ladders11
Sun Nov 20, 2016 7:22 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 110
Views: 17568

Re: Where to buy a Vanguard hat?

Honestly I like the Vanguard logo and wouldn't mind a hat or shirt with that ship, or a similar ship.

However, all I can find is this.
Image
by ladders11
Sun Nov 20, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: Energy Drink Alternatives
Replies: 19
Views: 1451

Re: Energy Drink Alternatives

Vitamins and minerals are required for energy, and I see magnesium, iron and vitamin-B mentioned. You could take supplements. But much better to eat a balanced diet with plenty of vegetables. And you could make sure to eat walnuts or cashews which are nutrient-rich.
by ladders11
Sun Nov 20, 2016 7:01 pm
Forum: Investing - Theory, News & General
Topic: roth allocation [very long time frame]
Replies: 7
Views: 999

Re: roth allocation [very long time frame]

I have higher expected return investments in a Roth (EM stocks), lower return investments in a Traditional (bonds), and no real return investments in taxable (cash).
by ladders11
Sun Nov 20, 2016 6:54 pm
Forum: Investing - Theory, News & General
Topic: Debt vs. Investing Guidelines
Replies: 9
Views: 1415

Re: Debt vs. Investing Guidelines

It may be a little better negotiating if you are open to a loan. http://jalopnik.com/what-you-should-know-about-being-a-cash-buyer-at-a-deal-1737301990 Also, if you do not yet own a home, and your FICO is below 800, it may help your credit to take an auto loan. What I'd do is take a loan for $10k at...
by ladders11
Sun Nov 20, 2016 6:33 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Ray Dalio's "All Weather Portfolio?"
Replies: 17
Views: 8282

Re: Thoughts on Ray Dalio's "All Weather Portfolio?"

What would have helped the Ray Dalio portfolio in this scenario would be exposure to commodities. That is one of the few things that would have worked. The other issues are that Dalio in real life utilizes leverage and his portfolio allocation is dynamic and not static. I agree with this. So this i...
by ladders11
Fri Nov 11, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: Bonds are getting crushed...
Replies: 42
Views: 10073

Re: Bonds are getting crushed...

Expect market timers to be about as accurate as pollsters were. We're in for a long while of people stating predictions as facts - the election is over and "what this means" will rule the public discourse. Yet they will still be predictions and not really worth anything.
by ladders11
Fri Nov 11, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 26572

Re: How to retire early (in your 30s or 40s)?

When I first read MMM I thought wow that sounds great. However I quickly realized that I don't buy big new cars and eat out all the time, I'm not an engineer with a high income and don't have a wife who is also an engineer with a high income who also has the same frugal aspirations. I have kids. I ...
by ladders11
Thu Jul 21, 2016 5:30 pm
Forum: Personal Consumer Issues
Topic: Most economical overseas travels
Replies: 22
Views: 2335

Re: Most economical overseas travels

southbay wrote:i like this Kayak tool for finding cheap flights when you are totally flexible: https://www.kayak.com/explore/

Nice, I had forgotten about this. If I get laid off before another job comes around... This tool and googling USD/forex charts gives me ideas where it will be cheap to visit.
by ladders11
Thu Jul 21, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Creating simple website
Replies: 11
Views: 1345

Re: Creating simple website

For the OP, I would focus on creating a mobile website. Building a mobile-first site will serve the intended purpose best.

Or Squarespace for example offers site templates that work traditional and mobile both.