Search found 238 matches

by helloeveryone
Tue Jan 15, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6585

Re: A co-worker makes more than me

I realized that a co-worker makes ~10% ($9.5K) more than me. We work closely together and have the same responsibilities. In the next few days, I will be having a discussion with my manager regarding annual compensation/bonus. Is it appropriate to discuss this topic with my manager? and what's the ...
by helloeveryone
Mon Jan 14, 2019 12:53 am
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1088

Re: Tips for online photography course?

One of the best ways to improve your photography is to learn to control and use light to your best advantage. That background is really key, and worth highlighting. A good way to start learning about light is to learn to use a flash intelligently. A great place to do that is here: http://strobist.b...
by helloeveryone
Mon Jan 14, 2019 12:40 am
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1088

Re: Tips for online photography course?

I would suggest you take a look at the (just recently started) Reddit PhotoClass 2019 . No registration (other than reddit), you can just jump right in. There are weekly assignments to help challenge and motivate you, and a large (~10,000 student) group of people who are posting their own work and ...
by helloeveryone
Mon Jan 14, 2019 12:38 am
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1088

Re: Tips for online photography course?

1 Some of the most educating, fun, and often challenging, ways to learn photography; technical basics, techniques, and, hopefully, the "art of seeing", is to work or have fun with professional photographers from various genres. Taking courses and meeting other photographers is a great thing to do. ...
by helloeveryone
Sun Jan 13, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1088

Re: Tips for online photography course?

I have had a Nikon DSLR since 2014. Have read the manual periodically. I have watched youtube videos about certain settings such as aperture priority/shutter priority. But still shoot with the auto function 90+% of the time. Someone mentioned taking online photography course and one that I googled ...
by helloeveryone
Sun Jan 13, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1088

Re: Tips for online photography course?

What is it, specifically, that you are unable to accomplish now that you would like to be able to, and why do you want to be able to do that? By "specifically" I don't mean general stuff like "I want to take better pictures" and the like. Nailing those questions down a bit would help get you wherev...
by helloeveryone
Sun Jan 13, 2019 11:04 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1088

Re: Tips for online photography course?

Suggestion, research photograph clubs near you or perhaps a local community college or community arts program? It’s an amazing hobby and there is lots to learn. Not sure $645 is a good investment. Sounds like you have read some, have a general understanding of techniques. Now would be a great time ...
by helloeveryone
Sun Jan 13, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1088

Re: Tips for online photography course?

Freefun wrote:
Sun Jan 13, 2019 10:22 pm
Have you thought about a photo club or meetup? There’s usually many depending on the location and folks are typically eager to help.
this is my first time exploring getting better with my camera and photography so I didn't even know these existed. Thanks for the tip
by helloeveryone
Sun Jan 13, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1088

Tips for online photography course?

I have had a Nikon DSLR since 2014. Have read the manual periodically. I have watched youtube videos about certain settings such as aperture priority/shutter priority. But still shoot with the auto function 90+% of the time. Someone mentioned taking online photography course and one that I googled s...
by helloeveryone
Sun Jan 13, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: DIY question - leaky faucet - change stem valve or o-rings?
Replies: 20
Views: 1391

Re: DIY question - leaky faucet - change stem valve or o-rings?

thks for sharing the link! that section of home depot has overwhelming choices
by helloeveryone
Tue Jan 08, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: $100 Christmas gift
Replies: 14
Views: 1736

Re: $100 Christmas gift

Hello. I was gifted $100 from a friend for Christmas. I am a saver and investor who's in this thing for the long haul, any ideas with what to do with it? I have some ideas, but would like your input. I'm thinking I may want to splurge a little. I have spoken over the potential use with the giver an...
by helloeveryone
Mon Jan 07, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: DIY question - leaky faucet - change stem valve or o-rings?
Replies: 20
Views: 1391

Re: DIY question - leaky faucet - change stem valve or o-rings?

If you have a faucet issue, the first resource to go to is the manufacturer, because brands like Moen and Delta are warrantied for life. . They will identify the necessary replacement parts and provide them for free, including free shipping. I KNEW it was worth posting! I learned something else. Al...
by helloeveryone
Mon Jan 07, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: DIY question - leaky faucet - change stem valve or o-rings?
Replies: 20
Views: 1391

Re: DIY question - leaky faucet - change stem valve or o-rings?

Just did an outside faucet and replaced a gasket. But it does remind me of my version of the Heisenberg Uncertainty Principle every time I have a DIY job to do: Either Lowes or Home Depot will have what I'm looking for. But there is a zero percent chance that whichever store I visit first will have...
by helloeveryone
Sun Jan 06, 2019 11:39 pm
Forum: Personal Consumer Issues
Topic: DIY question - leaky faucet - change stem valve or o-rings?
Replies: 20
Views: 1391

DIY question - leaky faucet - change stem valve or o-rings?

Seeking feedback for next time.... We had very slow drip leaking sink faucet. I chose to fix by replacing the entire valve stem because I wasn’t sure of the o-ring sizes and that’s what google recommended from my search. Easy and fun job. (https://www.homedepot.com/p/DANCO-3S-9H-C-Stem-for-Delta-Gla...
by helloeveryone
Thu Jan 03, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9281

Re: Which Compact SUV Should I Buy?

I would advocate what others have said 1) get new tires keep your 2011 volvo. 2) upgrade to crv, forester (or crosstrek), rav4 etc... 2018 rav 4 might be great deal right now because 2019's with brand new design just came out. However if your 2011 runs well, is comfortable, and just needs new tires ...
by helloeveryone
Tue Jan 01, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 43
Views: 4668

Re: Tips on preventative home maintenance?

#1. Caulk! Interior and exterior - every nook and cranny.
For this - do you have to remove the old caulk and place new one?
by helloeveryone
Fri Dec 28, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Strategy/Approach to Negotiating with Commercial Real Estate Developer
Replies: 22
Views: 1244

Re: Strategy/Approach to Negotiating with Commercial Real Estate Developer

How much did she pay for the property in 2015 and is there a house on the property that she is using as her primary residence or is it vacant land? If it is her primary residence she could exclude $250K of gain assuming she is single ($500K if married). If there is a house on the land the developer...
by helloeveryone
Thu Dec 27, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 43
Views: 4668

Tips on preventative home maintenance?

What are some high yield home preventative things that should be done? We bought our now 18 year old home 9 years ago, we only service the AC unit that we replaced 5 years ago every other year on average (and have had to get a fuse replaced on the older 2nd unit a year ago) and change air filters mo...
by helloeveryone
Thu Dec 27, 2018 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Is opening and immediately closing a donor advised fund a good strategy?
Replies: 6
Views: 667

Re: Is opening and immediately closing a donor advised fund a good strategy?

As above - you can just donate the $40k without a DAF. Instructions are in the link (first half of the page) A DAF would be if you want to put $40k in the DAF, then donate to various charities (or the same charity) over a lengthier time period https://investor.vanguard.com/contact-us/faqs/how-do-i-g...
by helloeveryone
Tue Dec 25, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19512

Re: Favorite Purchase of 2018?

I was really considering an after market leather seats purchase from costco ($1299 plus tax) but after days and weeks of thinking about it I decided not to spend on something I didnt really need and bought $1500 of taxable vanguard 500 index fund on 12/24.
by helloeveryone
Mon Dec 24, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: French Press recommendations
Replies: 24
Views: 1403

Re: French Press recommendations

AeroPress will brew an amazing cup of coffee (assuming you're using good quality, freshly ground beans). Lookup reviews online/youtube. I just switched from a simple entry level espresso machine to an AeroPress and I'm very happy. Makes great coffee, fast and easy brewing process and very easy to c...
by helloeveryone
Sat Dec 22, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: What does dividend season mean and does it apply to indexers?
Replies: 9
Views: 1208

Re: What does dividend season mean and does it apply to indexers?

Dividend season is only an issue if you are investing in a taxable account because you will have to pay tax on dividends and the capital gains distributions that mutual funds make quarterly. So what you are trying to avoid is buying a stock at $100/share on a Monday, only to discover that on Thursd...
by helloeveryone
Sat Dec 22, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: What does dividend season mean and does it apply to indexers?
Replies: 9
Views: 1208

Re: What does dividend season mean and does it apply to indexers?

We're not a strictly "indexers" - although I/wife hold index funds among our respective TIRA's. At this time, "dividend season" is more specifically "fill the RMD cash bucket for next year" with most dividends coming in December. While both of us were total return investors from getting our first T...
by helloeveryone
Sat Dec 22, 2018 12:04 am
Forum: Investing - Theory, News & General
Topic: Can you choose which work plans to rollover when changing employer
Replies: 4
Views: 295

Re: Can you choose which work plans to rollover when changing employer

MathIsMyWayr wrote:
Thu Dec 20, 2018 5:37 pm
Each plan is separate for rollover. Please refer to the following rollover eligibility chart:
https://www.irs.gov/pub/irs-tege/rollover_chart.pdf
thanks for sharing. more rules i didn't know about - only 1 IRA to IRA rollover per year.
by helloeveryone
Fri Dec 21, 2018 11:44 pm
Forum: Investing - Theory, News & General
Topic: What does dividend season mean and does it apply to indexers?
Replies: 9
Views: 1208

What does dividend season mean and does it apply to indexers?

I see the term "dividend season" periodically and wonder what it means. I get dividends quarterly in the vanguard index 500 fund and monthly in the vanguard total bond fund. Does dividend season mean the dividends this quarter will be more than usual? (ie - https://www.smh.com.au/money/investing/mot...
by helloeveryone
Fri Dec 21, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 305
Views: 261260

Re: A time to EVALUATE your jitters

Nice work showing the trends. I entered the workforce in 2004 but didn’t started maxing retirement accounts until 2009. Thus my retirement look amazing for 9 years of maxing things out. I’m hoping to retire in 15 years. Hopefully the trend you might be implying will be friendly to me by 2033 if I st...
by helloeveryone
Fri Dec 21, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: Bear Market - Mindset Expectations
Replies: 61
Views: 6168

Re: Bear Market - Mindset Expectations

The best time to set expectations is before establishing your asset allocation... and certainly before a bear market begins. My expectation is stocks can lose 50% at any time, for any reason, or for no reason at all, and stay down for long, long periods of time. That assumption is the basis of my 6...
by helloeveryone
Thu Dec 20, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7551

Re: 457 vs 403b

I work for the state and have been contributing to a 457 since I started. It was mentioned in my very first benefits presentation. I'm nowhere near maxing it out, just don't have the spare income, but with 18 years of regular contributions I've managed to build up a decent balance. I'm maxed on my ...
by helloeveryone
Thu Dec 20, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Pennsylvania pension to switch to index investing
Replies: 6
Views: 654

Pennsylvania pension to switch to index investing

Pretty cool to see a public pension plan make the switch to index investing. Sorry for those that don’t have subscription. Essentially committee looking at ways to reform said let’s stop sending billions to wall street so our pensioners can keep more $ https://www.wsj.com/amp/articles/pennsylvania-p...
by helloeveryone
Wed Dec 19, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Math: How much would you spend to repair this car?
Replies: 53
Views: 2374

Re: Math: How much would you spend to repair this car?

You can buy a new headlight on Ebay for this car for $65. Consider doing that and nothing else. Use the same car for the next deer instead of a new car. :-) A dent wouldn't bother me. Most older VW's have a check engine light as part of normal operation. The fix is usually a < $50 sensor plus labor...
by helloeveryone
Wed Dec 19, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Can you choose which work plans to rollover when changing employer
Replies: 4
Views: 295

Can you choose which work plans to rollover when changing employer

My work place offers 403b x 2, and 457b. I just learned that with a 457b you can take money out without a 10% penalty before 59 1/2. If I were to ever change jobs and wanted to roll some accounts into Vanguard - is it possible to designate that you only want to move the 403b's or is it an all or not...
by helloeveryone
Sun Dec 16, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot - Improving Traction
Replies: 23
Views: 1689

Re: Honda Pilot - Improving Traction

as far as tire rotation - usual rec is every six months or every 6,000 to 8,000 miles (https://www.michelinman.com/US/en/safe-driving/tire-safety/tire-rotation.html) I agree with other posters that say you need new tires. They are worn down, you are experiencing traction loss. I would change the tir...
by helloeveryone
Sat Dec 15, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 101
Views: 11252

Re: Certified Used BMW, Audi or Mercedes

The definition of insanity is to own a German car that is out of warranty. Having said that I have put 300K on a S550 Benz and also put 385K on my Land Cruiser. The Benz was expensive to service and amazing to drive. The LC was the cheapest car to own I have ever had as far as repairs go and would ...
by helloeveryone
Fri Dec 14, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19512

Re: Favorite Purchase of 2018?

custom boots
by helloeveryone
Tue Dec 11, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 101
Views: 11252

Re: Certified Used BMW, Audi or Mercedes

The definition of insanity is to own a German car that is out of warranty. Having said that I have put 300K on a S550 Benz and also put 385K on my Land Cruiser. The Benz was expensive to service and amazing to drive. The LC was the cheapest car to own I have ever had as far as repairs go and would ...
by helloeveryone
Fri Dec 07, 2018 12:58 am
Forum: Personal Consumer Issues
Topic: Learning Instrument/Violin as an adult...2 Years Later
Replies: 201
Views: 30805

Re: Learning Violin as an adult...2 Years Later

Two years have passed since I first asked about whether an adult should try to learn a musical instrument with no music background at all. So two years later and probably 900 hours of violin time, plus weekly lessons, here's what I've accomplished (same violin and bow): Then https://drive.google.co...
by helloeveryone
Wed Dec 05, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 6578

Re: Health insurance for FIRE

Background: If health insurance costs were known we would have enough to FIRE now. Our current situation in FIRECALC suggests 100% chance of success. Subsidy highly unlikely We have been searching online for quotes on plans. BC/BS has 3 plans for us, each is almost $2,000 a month but seems to cover...
by helloeveryone
Wed Dec 05, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Travel now & work a bit longer, OR the other way around?
Replies: 38
Views: 2997

Re: Travel now & work a bit longer, OR the other way around?

We have big travel plans that could delay retirement a few years. Should we travel now when we know we are healthy, capable, and can enjoy time with the kids? Curious to hear others' thoughts on this matter. I'm 45, DW is 47. Kids 10 & 12. Could have a modest retirement at 50. Travel plans could de...
by helloeveryone
Fri Nov 30, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4193

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

[/quote] Thanks very much for your response. If I had a 2010 Odyssey I would likely follow your advice. But I have a 2001 Odyssey and i’m Thinking it’s going to have more and more issues. So i’m Leaning the other way. [/quote] Yes looking back and doing the math a 17 year old odyssey requiring $1000...
by helloeveryone
Fri Nov 30, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4193

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

Hi bogleheads, So my 2001 Honda Odyssey won’t start and I was told needs $2700 worth of repairs, new catalytic converters, ect sensors, and timing belt. It’s relatively low mileage at 120k. Should I repair it or junk it? Thanks for any advice. Cheers Grok i would advocate take your quote to a local...
by helloeveryone
Thu Nov 29, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4626

Re: How do Bogleheads justify taking vacation?

Can fellow Bogleheads and financially prudent people explain how do you justify taking vacation? So far I have come up with "reasons" for taking vacation, but I can't really justify any of them. - I don't like to do "touristy" things. I couldn't be bothered with whatever monument or landmark. - I a...
by helloeveryone
Thu Nov 29, 2018 10:29 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 19057

Re: Bogle Sounds a Warning on Index Funds

If his­tor­i­cal trends con­tinue, a hand­ful of gi­ant in­sti­tu­tional in­vestors will one day hold vot­ing con­trol of vir­tu­ally every large U.S. cor­po­ra­tion. Pub­lic pol­icy can­not ig­nore this grow­ing dom­i­nance, and con­sider its im­pact on the fi­nan­cial mar­kets, cor­po­rate gov­er...
by helloeveryone
Thu Nov 29, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: What are piano exams? (For the piano parents)
Replies: 1
Views: 345

What are piano exams? (For the piano parents)

Our children are learning piano. They have weekly lessons at home for 30 minutes, are in their second year, and enjoying it. The teacher is a music major in college. I was reading about “piano exams” on the internet and it sounds like various exams that piano students take when they reach a certain ...
by helloeveryone
Wed Nov 28, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Calling all 50-60 year old homeowners with kids/families
Replies: 36
Views: 4209

Re: Calling all 50-60 year old homeowners with kids/families

Kitchen renovation - no regrets. We love it. We did it 8 years into ownership of the home because that’s when it was financially the right time to do it. Master bathroom renovation - my wife loves it. I’m neutral. Don’t regret it though because it makes my wife happy. That was this year as well afte...
by helloeveryone
Wed Nov 28, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: List of costs that go away/decrease and increase/appear in retirement
Replies: 69
Views: 5893

Re: List of costs that go away/decrease and increase/appear in retirement

I think if you had a corporate job where your company picked up a lot of expenses, your costs can increase significantly in retirement. That's happening to me in my first year of retirement: --My employer paid for my phone and laptop. Now I pay for my own devices and phone bill. --My employer paid ...
by helloeveryone
Wed Nov 28, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: List of costs that go away/decrease and increase/appear in retirement
Replies: 69
Views: 5893

Re: List of costs that go away/decrease and increase/appear in retirement

Although this isn't a huge expense compared to things like long term care, you should be prepared to spend money hiring people to do physical tasks you might do yourself now such as cutting grass, shoveling snow, vacuuming, even just moving a piece of furniture from one room to another. You might a...
by helloeveryone
Wed Nov 28, 2018 12:37 am
Forum: Personal Finance (Not Investing)
Topic: List of costs that go away/decrease and increase/appear in retirement
Replies: 69
Views: 5893

Re: List of costs that go away/decrease and increase/appear in retirement

... the major surprise I had in retirement is how expensive Medicare can be if you have pensions, RMDs, SS - and worked too long! If one had good employer healthcare, this can come as an unpleasant surprise that you may have to pay Medicare IRMAA on both B and D as well as having supplemental insur...
by helloeveryone
Tue Nov 27, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7542

Re: Employeer taking vacation days on public holidays - is this legal or normal?

If they're exempt, that's questionably legal; an employer wouldn't be able to dock an exempt employee's pay for four hours of not working at the employer's behest anyway. Of course, if they're nonexempt, it's not only legal but standard.

“exempt”? ie - non profit?
by helloeveryone
Tue Nov 27, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: List of costs that go away/decrease and increase/appear in retirement
Replies: 69
Views: 5893

Re: List of costs that go away/decrease and increase/appear in retirement

Most topics have been covered but the major surprise I had in retirement is how expensive Medicare can be if you have pensions, RMDs, SS - and worked too long! If one had good employer healthcare, this can come as an unpleasant surprise that you may have to pay Medicare IRMAA on both B and D as wel...