Search found 289 matches

by bampf
Thu Jun 13, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 315
Views: 21529

Re: Selling home- Demanding Buyer (Repairs)

I offered buyer the amount of written estimate $13,500 (be reduced from the purchase price) and provided a copy of the written estimate. Seller came back with this: It is unfortunate that the septic field requires replacement and more so that it is apparently an unusual installation. I can offer on...
by bampf
Sat Jun 08, 2019 11:05 am
Forum: Personal Investments
Topic: How am I doing?
Replies: 13
Views: 1077

Re: How am I doing?

HEDGEFUNDIE wrote:
Sat Jun 08, 2019 11:01 am

For married filing jointly 32% bracket is $315-400k. I would guess up to 450k gross income. All-in housing costs are probably around $85k. I'd consider that affordable.
Absolutely correct! Sorry, was looking at Single I suppose.... Still rich for my blood, but, doable for the motivated...
by bampf
Sat Jun 08, 2019 10:54 am
Forum: Personal Investments
Topic: How am I doing?
Replies: 13
Views: 1077

Re: How am I doing?

I dunno if I would change anything because I don't know enough about your income to expense ratio to say if you ware doing well. $1.2MM in debt would freak me out. Thats like $40K a year just in interest. I don't know if you are saving enough, if you are house poor or living below your means. I woul...
by bampf
Fri May 31, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 350
Views: 33692

Re: For those who earn $500k+ per year. How'd you do that?

Spouse works 60 hours a week, 7 days a week, including while on vacations, and that would be considered a pretty light week. Spouse travels 75+% of the time, we're rarely in the same state together, often not in the same country or time zone. We have averaged about 24-48 hours a week together (incl...
by bampf
Mon May 27, 2019 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Unemployment OVER ! New job dilemma
Replies: 32
Views: 4007

Re: Unemployment OVER ! New job dilemma

$115K delta. Why are we still talking? (Ex details that would mitigate this as a reasonable discussion).
by bampf
Sun May 26, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 16605

Re: Are you on Facebook?

The final straw was FB’s decision that manipulated video is acceptable. A pox on them. I agree with you. And more importantly, if you participate in FB, knowing what you now know about how they manipulated data, tolerated the weakening of our democracy and tacitly agree to the kind of shenanigans t...
by bampf
Wed May 22, 2019 9:38 pm
Forum: Investing - Theory, News & General
Topic: A thought exercise
Replies: 13
Views: 2224

Re: A thought exercise

On April 10th of 2018 the price of VTI was $136. Today it is $146. Nobody knows nothing. Let it ride....
by bampf
Thu May 16, 2019 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Now or One More Year?
Replies: 40
Views: 4756

Re: Update Now or One More Year?

Got home from work and decided to go ahead and try to start the retirement process. I filled out all of the documents online and hit submit. The pension amount on my documents looks as if I am going to receive the extra year of pension credit. The amount matches the amount I modeled that included t...
by bampf
Thu May 16, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Now or One More Year?
Replies: 40
Views: 4756

Re: Now or One More Year?

Will you lose your job if you don't take this offer or can you stay for another year? <snip> ...of course I understand if I leave that will leave a hole in the local group that won't be filled so I understand the realities. Thanks This is a fascinating thread. Thanks for posting. It suddenly occurr...
by bampf
Thu May 16, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Now or One More Year?
Replies: 40
Views: 4756

Re: Now or One More Year?

An extra $1000 a year works out to $2.73 a day. If you are so tight that this matters, you can't afford to retire. Probably ever. If you want to work, great. If you want to add to your accounts, great. If you get hit by a bus tomorrow, are you annoyed? LIfe happens pretty quick. My Dad passed insta...
by bampf
Thu May 16, 2019 2:47 pm
Forum: Investing - Theory, News & General
Topic: Undisclosed Fees with "Market on Close" Orders
Replies: 23
Views: 1306

Re: Undisclosed Fees with "Market on Close" Orders

I think that sort of depends on what you mean by reasonable and safe. Of course it does, but avoiding market orders because you're afraid of a "flash crash" is essentially like not taking the dog for a walk because you're afraid of being hit by a meteor. I always set a limit price at or near Market...
by bampf
Thu May 16, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Now or One More Year?
Replies: 40
Views: 4756

Re: Now or One More Year?

If you retired today with the extra 1 year pension credit versus retiring in one year, would there be any difference in your pension? If I work an extra year my pension if I get the standard salary increase would be an extra $1000 a year for the rest of our lives. No COLA on the pension. Thanks An ...
by bampf
Thu May 16, 2019 2:30 pm
Forum: Investing - Theory, News & General
Topic: Undisclosed Fees with "Market on Close" Orders
Replies: 23
Views: 1306

Re: Undisclosed Fees with "Market on Close" Orders

This is why 2 pieces of advice are common when trading ETFs: 1) Never trade near open/close, 2) never use a market order. ... market orders are entirely reasonable and safe. I think that sort of depends on what you mean by reasonable and safe. If between the time you hit execute and the time the ma...
by bampf
Thu May 16, 2019 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4083

Re: Reservations about job offer

You interviewed for a lead role. They declined to hire you for a lead role. What's the question?
by bampf
Wed May 15, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3158

Re: Police and Troopers fund.

I answer the calls to my cell phone. It really does not take much time and effort for me to say, "NO" and "Goodbye". Several times - the call was actually from someone I know or otherwise valid. Lots of calls for health insurance, medicare alternatives, fix my roof, extend my car warranty, etc. The...
by bampf
Wed May 15, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3158

Re: Police and Troopers fund.

I keep getting calls for donations to a Police and Troopers fund. I said no and hung up. How do others handle these types of calls whose wording is designed to generate guilt. I handle all of my donations on a monthly basis. Whenever I get a call soliciting a donation, I ask them to mail me informa...
by bampf
Tue May 14, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: I accidentally retired, and need tax advice
Replies: 48
Views: 6263

Re: I accidentally retired, and need tax advice

What kind of tech? The whole world is moving cloudy, so the laptop thing is just a portal to get into the cloud. My Macbook Air circa 2013 is just fine. Understand not wanting to learn the latest and greatest. That being said, you can still do cobol and mainframes in the tech world. Its a big world....
by bampf
Tue May 14, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3158

Re: Police and Troopers fund.

Either that or as someone else said, I "put them on hold" and keep doing what I was doing... I actually think this is kind of an ineffective tactic. These are shops that are trying to monetize gullibility. If you do this, you are opening the door "to maybe something can happen, save this number". I...
by bampf
Tue May 14, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3158

Re: Police and Troopers fund.

I never never never answer the phone anymore unless I know the person calling. Even then, generally if it is important they can leave a vm. The phone has become the worst form of interruption and scamming. Even something as simple as answering the phone by saying "Yes this is bampf" can be recorded ...
by bampf
Mon May 13, 2019 4:52 pm
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4235

Re: Email to my Edward Jones Rep

Snort. Seriously? My mother was getting massively overcharged for useless car work. The sales guys (I would say repair shop but, you know, they weren't really repair guys) had wormed their way so far into my mother's psyche that she paid $6K for a transmission on a car worth about $3K over the strid...
by bampf
Mon May 13, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 6051

Re: Car lost acceleration

Good for you! Now, since you made no efforts for years to do simple repairs, have you at least changed the oil, air filter, possible brake job, new tires, etc.? Hey, I don't like to spend money on cars either, but if you don't spend when needed, you will likely end up spending much more later. Taki...
by bampf
Fri May 10, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6293

Re: Continue working for benefit of adult children or retiring earlier?

I was employed until the kids were out of school, college debt free and employed. I was 63. I retired. Looking back, I've come to an understanding that I can't live their lives for them or provide them with enough money so they can live like they'd want to live and take care of DW, too. Working sev...
by bampf
Sun May 05, 2019 10:20 am
Forum: Personal Investments
Topic: OH no, ANOTHER "Should I pay off my Mortgage with Taxable acct" question, with a bit of a twist?
Replies: 28
Views: 2346

Re: OH no, ANOTHER "Should I pay off my Mortgage with Taxable acct" question, with a bit of a twist?

There is no way to answer this question rationally with the information you have provided. Do you have income? Does it cover expenses? Are you maximizing non-tax etc etc. More importantly, why are you trying to pay off the mortgage? If the market gains 13% this year, will you feel silly? If the mark...
by bampf
Fri May 03, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 5766

Re: Giving two week's notice before stock options vest

Post by investingdad » Thu May 02, 2019 12:04 pm Give 2 weeks notice day after they vest, if they walk you out, perfect. Take all the vacation you have immediately after giving notice. Start new job on time. This It could easily be illegal to have two full time jobs at the same time. People just lo...
by bampf
Tue Apr 30, 2019 5:56 pm
Forum: Investing - Theory, News & General
Topic: Target Date Funds doing it backwards?
Replies: 44
Views: 4861

Re: Target Date Funds doing it backwards?

Watty, that's a good idea about going back to TDF funds when you reach a point where you're concerned that your wife is going to have to manage the investments ....I can see there being a point where I would do that and also automate the IRA required minimum distributions ... It would better to set...
by bampf
Sun Apr 28, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Wresting Control of Facebook Page
Replies: 5
Views: 807

Re: Wresting Control of Facebook Page

Why wouldn't you just start a new one?
by bampf
Fri Apr 26, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Colleague salary comparison
Replies: 54
Views: 6176

Re: Colleague salary comparison

Comparison is the thief of joy. When I was younger I would have wanted to know. Now, I am pretty darn happy not to know and more importantly to care little. I make enough, that's good enough for me.
by bampf
Thu Apr 25, 2019 5:46 am
Forum: Personal Consumer Issues
Topic: Router with VPN
Replies: 20
Views: 1864

Re: Router with VPN

A lot of people telling you what you need or don't need but not answering your question. ExpressVpn has a router with vpn. It works and it works well.

Edit: I just noticed Jminv said the same thing. He is correct. I stopped reading after the "you don't need it" which in retrospect was a poor choice.
by bampf
Wed Apr 24, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Should I Sell Car to My Boss?
Replies: 25
Views: 2020

Re: Should I Sell Car to My Boss?

Absolutely mad to mix where you eat with family business. No upside (really) and lots and lots of downside.
by bampf
Tue Apr 23, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Spread Sheets [for retirement planning]
Replies: 15
Views: 1838

Re: Spread Sheets

Many on the forum have stated they use spread sheets to project a 30 year retirement. They insert their assets, their yearly expenses, anticipated stock/bond returns etc. Would those who do not object please post a the spread sheet example they use ( without their personal information of course). I...
by bampf
Sat Apr 20, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for College Freshman
Replies: 50
Views: 2093

Re: Best Credit Card for College Freshman

The kid is 18. Tell them to get a credit card. Remind them that debt is modern day slavery. Tell them to be careful of fees and interest. Share your strategy. Wish them well. 18. They can carry a gun, drive a ship, fly a plane, put out a fire (Army, Navy, Airforce... you get the picture), buy a hous...
by bampf
Fri Apr 19, 2019 6:55 am
Forum: Personal Finance (Not Investing)
Topic: RSUs and ESPP after 2-Week Notice
Replies: 21
Views: 1316

Re: RSUs and ESPP after 2-Week Notice

Ask no one. Especially HR who is there to protect the company only and who will tell your boss before you even leave the meeting. Expect a notice before you are vested will result in immediate termination and loss of all RSUs. If you tell anyone, have all your stuff in boxes because you're getting ...
by bampf
Wed Apr 17, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 1999

Re: Am I getting the runaround from my dentist?

I am always amazed at the "I do it but I don't have to and if you don't like it you can go.... do it yourself" response. I think if anyone, much less someone I trust to work on my body said this to me I would tell them to go ...jump in the lake. Guy obviously cares about the reimbursement. Telling h...
by bampf
Wed Apr 17, 2019 5:39 am
Forum: Personal Finance (Not Investing)
Topic: "When Adding to Your Retirement Account is a Bad Idea"
Replies: 29
Views: 3903

Re: "When Adding to Your Retirement Account is a Bad Idea"

There is nothing preventing one from saving in tax deferred 401k, retire early, rollover to trad. IRA and start converting to Roth. I do agree if one thinks about RMD being an issue then folks should think more seriously about retiring early or going part time and start converting to roth and not w...
by bampf
Tue Apr 16, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Executor of Will - Selling House in Poor Condition
Replies: 84
Views: 6542

Re: Executor of Will - Selling House in Poor Condition

Fair point, let me clarify. There is a TON of stuff to flip through. Owner was an absolute hoarder, stacks of comic books, movies, papers etc..., amazing how much junk could be crammed into 860 square feet. Four adults over two hours barely scratched the surface. My spouse wants to "give it time" t...
by bampf
Sat Apr 13, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Buying a new computer could use advice
Replies: 32
Views: 2729

Re: Buying a new computer could use advice

Asus Chromebox. Dirt cheap. Never needs to be upgraded (Chrome does it for you). Nothing really to fail. Assuming it ever does fail, nothing to transfer. Super easy to use.
by bampf
Wed Apr 10, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Ceiling fan install (high ceiling)
Replies: 32
Views: 1880

Re: Ceiling fan install (high ceiling)

Scissor lift from a rental company. Totally worth it.
by bampf
Tue Apr 09, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 20324

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

Look for a new job. Take the layoff package when it arrives. Sounds like they don't have much for her to do. She might not get anything. Very often severance is based on years of service. At Megacorp package value is generally based on years of service, but, generally you get at least something, ev...
by bampf
Tue Apr 09, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 20324

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

Look for a new job. Take the layoff package when it arrives. Sounds like they don't have much for her to do.
by bampf
Mon Apr 08, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: router internet parental controls
Replies: 28
Views: 1716

Re: router internet parental controls

Good luck. Any kid of above average intelligence will figure out a way around your parental controls in a couple days. As others have mentioned physical device control is more reliable, although I'm sure your kids will outsmart you here too if they're clever. As a teen I wasn't allowed to have a pe...
by bampf
Sun Apr 07, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2056

Re: Google problem on Imac

It really gets me angry that you have this giant company trying to take over the world by internet usage and you cannot talk to someone in customer service if you have a problem.Sad state of affairs. Cancel your subscription to gmail and get your money back? Funny but customer service is an issue i...
by bampf
Sun Apr 07, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2056

Re: Google problem on Imac

hoops777 wrote:
Sat Apr 06, 2019 10:54 pm
It really gets me angry that you have this giant company trying to take over the world by internet usage and you cannot talk to someone in customer service if you have a problem.Sad state of affairs.
Cancel your subscription to gmail and get your money back?
by bampf
Sun Mar 31, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 42
Views: 4109

Re: Best enhancement for folks who work from home

bampf, A) Could you please tell me which Polycom speaker phone? B) Which microphone? C) I run a long HDMI cable to my large screen PC when I am watching web seminar. Thanks. KlangFool I use the SoundStation2 Polycom. Don't use it a lot, but, nice when I need it. My Microphone is PVi100, which in re...
by bampf
Sun Mar 31, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 42
Views: 4109

Re: Best enhancement for folks who work from home

bampf, A) Could you please tell me which Polycom speaker phone? B) Which microphone? C) I run a long HDMI cable to my large screen PC when I am watching web seminar. Thanks. KlangFool I use the SoundStation2 Polycom. Don't use it a lot, but, nice when I need it. My Microphone is PVi100, which in re...
by bampf
Sun Mar 31, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 42
Views: 4109

Re: Best enhancement for folks who work from home

bampf, A) Could you please tell me which Polycom speaker phone? B) Which microphone? C) I run a long HDMI cable to my large screen PC when I am watching web seminar. Thanks. KlangFool I use the SoundStation2 Polycom. Don't use it a lot, but, nice when I need it. My Microphone is PVi100, which in re...
by bampf
Sun Mar 31, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 42
Views: 4109

Re: Best enhancement for folks who work from home

OP, 1) Sit/stand DesK https://www.ikea.com/us/en/catalog/products/S49022538/#/S59281814 2)Herman Miller Aeron Chair 3) Large monitor. KlangFool Agree with all of the above but I run the following: 3 large monitors. Jarvis sit stand Herman Miller Aeron Chair Logitech 950HD webcam. High quality broad...
by bampf
Sat Mar 30, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Renewal of global entry?
Replies: 10
Views: 1144

Re: Renewal of global entry?

I renewed and had to go to an interview.
by bampf
Sat Mar 30, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Boglehead Approach to Home Tech? Looking for Home Security Cameras
Replies: 19
Views: 1516

Re: Boglehead Approach to Home Tech? Looking for Home Security Cameras

I am terribly cheap when it comes to this sort of thing. I have probably been so cheap that I wasted hundred upon hundreds of $$ trying to avoid subscription costs. I hate subscriptions. And i love nest and pay for nest protect. Why? 1. The video is stupid easy to watch and find events that I care a...
by bampf
Sat Mar 30, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 55
Views: 4832

Re: dental work gone wrong - advice please.

There are a lot of reasons that could have lead to OP having a problem with a crown. Some could have been from the dentist and some could have been from things outside the dentists control. People have a hard time with the variability in dental diagnosis because they think it should be like a check...