Search found 280 matches

by Elena
Wed Nov 06, 2019 9:31 am
Forum: Non-US Investing
Topic: [wiki] New page for (potential) US citizens abroad: "US tax pitfalls ..."
Replies: 16
Views: 919

Re: [wiki] New page for (potential) US citizens abroad: "US tax pitfalls ..."

TedSwippet, thank you. If anything, it comes to prove that in the era where "transparency" is a common keyword and individuals increasingly move around the world, tax codes are in the way of many decisions, sometimes even inside just one country.
by Elena
Sun Nov 03, 2019 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit? Questions 2019
Replies: 19
Views: 1614

Re: Freezing Credit? Questions 2019

I have a quick question, knowing nothing about this issue due to not needing loans and credit often: About a year and a half ago my credit was frozen upon my request after a security breach. The other day, I was opening a checking acct. online, and the request was denied because my identity could n...
by Elena
Sat Nov 02, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1091
Views: 307059

Re: Share your net worth progression

I have not tracked my net worth until last Dec. I have tracked my spending since 2002. I started at a 40K salary in 2001, which has doubled but will never be higher. No debt, no mortgage. I have saved ca. 50% of my salary since 2005. My current savings rate is ca. 75%. - Dec. 2018, 1,060,000. - Nov....
by Elena
Wed Oct 30, 2019 7:02 pm
Forum: Investing - Theory, News & General
Topic: 2019 Conference Photos
Replies: 3
Views: 554

Re: 2019 Conference Photos

Ohhhhhhh, thank you! Do attendants use their nicknames on the tags?
by Elena
Wed Oct 30, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit? Questions 2019
Replies: 19
Views: 1614

Re: Freezing Credit? Questions 2019

But, since my wife wants to freeze our credit [ . . .] Assuming we remember to unlock About a year and a half ago my credit was frozen upon my request after a security breach. The other day, I was opening a checking acct. online, and the request was denied because my identity could not be confirmed...
by Elena
Wed Oct 30, 2019 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit? Questions 2019
Replies: 19
Views: 1614

Re: Freezing Credit? Questions 2019

I have a quick question, knowing nothing about this issue due to not needing loans and credit often: About a year and a half ago my credit was frozen upon my request after a security breach. The other day, I was opening a checking acct. online, and the request was denied because my identity could no...
by Elena
Sun Oct 27, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4788
Views: 1244096

Re: What Movie Have You Recently Watched?

Joker (2019), and That Certain Woman (1937). Two excellent movies.
by Elena
Wed Oct 23, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169351

Re: What Book Are You Currently Reading? Part VI

This book says that the East was paid to release problematic citizens to the West, and the amount varied according to their abilities and education (a scientist would be released for more money than someone without a degree, for example). It surprised me.
by Elena
Sun Oct 20, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Enlarge shower to include bench, walk-in tub, or both?
Replies: 40
Views: 2629

Re: Enlarge shower to include bench, walk-in tub, or both?

I removed the tub and expanded the shower by one foot, and had a frameless glass shower panel installed. I no longer wanted to have a tub; my realtor says resale value has probably increased, but it was actually what I could get the most use out of. The bathroom is gorgeous, comfortable and function...
by Elena
Sun Oct 20, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169351

Re: What Book Are You Currently Reading? Part VI

Stasiland , by A. Funder. If you have been to the Stasi museum in Berlin, you will recognize the atmosphere. It is a recount of testimonies from common people and low-range citizens in politics (former agents and collaborators, a tv personality, young opposers) through the author's voice. Light pro...
by Elena
Tue Oct 15, 2019 7:38 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones presentation at the senior center
Replies: 44
Views: 6524

Re: Edward Jones presentation at the senior center

Do you think they are running such presentations in senior centers across the nation (maybe per wealthy zip codes?)? I wonder whether this sort of targeting is borderline preying on the weak, or whether it is worth for this population segment to pay for "guidance" and peace of mind. After all, indiv...
by Elena
Tue Oct 15, 2019 7:30 pm
Forum: US Chapters
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 72
Views: 26386

Re: Metro Atlanta Bogleheads Local Chapter

It would be nice to meet other Atlanta bogleheads, for sure. I do not feel equipped to give any advice regarding the senior center, nor do I know what kind of accreditation one would need to do so. I am just a self-taught individual who applies what I can grasp to my own situation, but it would defi...
by Elena
Thu Sep 26, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Planning a Europe trip in Dec 2019 last week. Need advice
Replies: 27
Views: 1717

Re: Planning a Europe trip in Dec 2019 last week. Need advice

Go to Spain, eat their food. Skip Barcelona, for now.
by Elena
Fri Sep 13, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4183

Re: Best Leaf Blower?

I am just going to very respectfully post a message and retract to my cave: leaf blowers belong in the seventh circle of Hell.
by Elena
Wed Sep 11, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Long term storage of clothes
Replies: 21
Views: 1550

Re: Long term storage of clothes

LilyFleur wrote:
Tue Sep 10, 2019 11:13 am
I just helped someone downsize. Donated a HUGE amount of clothing. (about ten years' worth had accumulated). Yes, things were falling apart and that left a mess and stirred up allergies.

It confirmed my minimalist lifestyle. I curate everything I bring into my small home.
+1 :happy
by Elena
Sat Sep 07, 2019 6:12 am
Forum: Investing - Theory, News & General
Topic: Boglehead Financial Literacy Certification?
Replies: 18
Views: 2310

Re: Boglehead Financial Literacy Certification?

LOL. Thank you for the morning laughs. I needed them.
by Elena
Fri Aug 30, 2019 8:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1876
Views: 194952

Re: U.S. stocks continue to soar!

Bluce wrote:
Fri Aug 30, 2019 8:45 am
Well the markets are up about a half a percent as I type.

Dang, I'm getting tired of this thread. I wonder when we can get back to the "Free fall" thread again? :confused
Agreed! The only two allowed non-actionable threads. Sssshhhh!!!
by Elena
Fri Aug 16, 2019 9:31 pm
Forum: Non-US Investing
Topic: Assets split between US and Europe (Spain) [Spanish ex-pat in US]
Replies: 5
Views: 439

Re: Assets split between US and Europe (Spain) [Spanish ex-pat in US]

I would check Rankia for ideas. Low cost index funds are just getting started in Europe, so there are some threads comparing custodians who carry them (my understanding is that such funds are mainly based in Ireland, but there is less of an assortment of the cheaper ones; I have not looked into ETFs...
by Elena
Fri Aug 09, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 11098

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Häagen Dazs shrunk their "medium" (pint) container size to 14 fl. oz. last year. Disguised inflation, plus the non-sale price increased as well. Bye, bye, non-essential item!
by Elena
Mon Aug 05, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Putting my wallet on a diet
Replies: 17
Views: 1877

Re: Putting my wallet on a diet

For me, it is:
- License.
- 1 c. card.
- Medical ins. card.
The store loyalty cards (supermarket, pharmacy, etc.) are in my Google Pay phone app.
I use what used to be the insert of a regular wallet as my wallet. I unsewed it.
by Elena
Mon Jul 08, 2019 4:06 am
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 84
Views: 13084

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

I read a lot of posts beginning with "I am 30something/40something/60something" and just found this site". Question: * How could a small financial curriculum be implemented in high schools, so that investment venues/philosophies/strategies are taught instead of being "discovered" by chance, sometime...
by Elena
Sun Jun 16, 2019 1:20 pm
Forum: Personal Investments
Topic: IRA Contribution For Future Year?
Replies: 2
Views: 370

Re: IRA Contribution For Future Year?

TIAA has the feature too. If you check 2020, they just program for the comtribution to be made on Jan. 2nd. Fidelity does not have it.
by Elena
Fri Jun 07, 2019 3:55 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Patented a Way to Avoid Taxes on Mutual Funds"
Replies: 140
Views: 9743

Re: How ETFs use "Heartbeats" to wash-out gains

The actionable component of this thread is thus: If you plan on holding Mutual fund shares of an index fund in a taxable brokerage account, Vanguard's structure is by far the most tax efficient in the industry. If you are willing to hold ETF shares, look at the tax efficiency of the ETFs you have a...
by Elena
Thu May 30, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: Market timers thread
Replies: 223
Views: 16764

Re: Market timers thread

Thank you. I have always seen the big drops graph, but was curious as to whether it was a matter of hours, days, or maybe a week (drop, not recovery).
by Elena
Thu May 30, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 69181

Re: Name something you had to have and now you regret purchasing it?

My wife already has the gifts overflowing from under the christmas tree. House is already stuffed to the gills with junk. I secretly throw stuff away to try and make it somewhat manageable. It really pisses her off when she wants something and I've thrown it away, but it troubles me a lot with so m...
by Elena
Thu May 30, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6312

Re: Women, How Much Do You Pay for Haircut

I usually pay about $45 plus $7 tip for a haircut. Wash, layers, drying, but no coloring. I have very good hair. I have it cut in the summer, and then I give it a cut at home once in the winter, around February. Since some layering still shows and I straighten it nicely, no one has ever noticed the ...
by Elena
Thu May 30, 2019 2:49 pm
Forum: Investing - Theory, News & General
Topic: Market timers thread
Replies: 223
Views: 16764

Re: Market timers thread

Does anyone know by any chance how long does it has taken for a market correction/crash to take place? Let us say, from a 20% to a 50% drop.
Does it happen in a couple of days? Hours? A week? I know they are pretty quick, but I do not know where to look for the figure.
I am just curious.
Thank you.
by Elena
Wed May 29, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Windows for Noise Reduction
Replies: 36
Views: 2735

Re: Windows for Noise Reduction

I had Heinzmann windows installed in my previous house. Noise sensitive people will pay an arm and a leg for these windows and proper installation. My parents had other German brand installed in their home, Kömmerling; it was as expensive and equally good, both for sound and temperature. That is the...
by Elena
Wed May 29, 2019 3:55 pm
Forum: Investing - Theory, News & General
Topic: How can I check my portfolio as little as possible?
Replies: 69
Views: 3515

Re: How can I check my portfolio as little as possible?

For me, nothing does it like a market drop/correction. I did not look once during the last recession, and it was a quiet time for a couple of years. I just kept investing as much as I could and did not look at the balance until I heard it was coming back. I do not watch tv, but my news feed has two...
by Elena
Tue May 28, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: How can I check my portfolio as little as possible?
Replies: 69
Views: 3515

Re: How can I check my portfolio as little as possible?

For me, nothing does it like a market drop/correction. I did not look once during the last recession, and it was a quiet time for a couple of years. I just kept investing as much as I could and did not look at the balance until I heard it was coming back. I do not watch tv, but my news feed has two ...
by Elena
Wed May 22, 2019 8:11 pm
Forum: Personal Investments
Topic: Frozen by uncertainty, really want to unfreeze
Replies: 34
Views: 3481

Re: Frozen by uncertainty, really want to unfreeze

I agree on not actually doing anything for now, and spending a good chunk of time reading until you get a hold of things. You just discovered the forum, and it takes a while to devise a plan for oneself. Knowing more about all the options will probably get you into taking more action, and maybe even...
by Elena
Wed May 22, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 80
Views: 7641

Re: Financial Movies and Shows

A documentary about the latest investment trends in the art world. Art as a commodity, how Koons has a futures market (remember, he began as a desk trader), how multi-million pieces are bartered off the books between millionaires... I flipped out: The Price of Everything (2018). https://www.youtube....
by Elena
Tue May 21, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Dealing with construction noise
Replies: 27
Views: 1845

Re: Dealing with construction noise

Thanks to the responders that suggested noise-cancelling headphones. I've got a pair of those that work pretty well; hopefully, that should work through most of this. And I just ordered a pair of Mutt Muffs for my dog: https://www.amazon.com/gp/product/B002CZQ1TA/ref=ppx_yo_dt_b_asin_title_o00_s00?...
by Elena
Mon May 20, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Arc'teryx - Anyone else here splurge?
Replies: 30
Views: 4168

Re: Arc'teryx - Anyone else here splurge?

My comment belongs in the "non-frugal expenses that save". I bought an Arc'Teryx rain jacket and pants many years ago to ride my scooter under the rain, sometimes pouring. I always arrived dry "as a clam". Last year, the side seams of the jacket unglued, so I sent it for repair. I was told it could ...
by Elena
Sat May 18, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: W-2 earner looking to lower effective tax rate
Replies: 33
Views: 4174

Re: W-2 earner looking to lower effective tax rate

I think your only choice would be to max out the 403(b) and/or 457(b), for $19,000 each/yr. I do them both, as well as the 401(a) and HSA, so my taxable amount is quite low (my salary is US middle class average). My IRA contributions are Roth, though.
by Elena
Sat May 18, 2019 2:28 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast stats and guests
Replies: 17
Views: 2250

Re: "Bogleheads on Investing" podcast stats and guests

Do you think it is worth reposting this in the Bogleheads Spain's website? Also, I am still trying to figure out how to have software transcribe the podcasts, since I do not have the mp3 files but stream them. I liked all of them. Even when I do not follow some intricate mechanisms, I do "get" the p...
by Elena
Fri May 17, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Going rate for real estate commissions, ATL
Replies: 11
Views: 1179

Re: Going rate for real estate commissions, ATL

I sold my place in Toco Hills/Emory area last year. Paid 5%. I do not know how agents split it. I have been seeing more "for sale by owner" ads lately.
by Elena
Fri May 17, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 6137

Re: Guidance on choosing between UMich and Brown

I attended Brown for my Ph.D., a long time ago (humanities). I taught one undergraduate class as part of my scholarship, and found undergraduate students to be overall engaged and respectful. They did party, but you could see a good classroom environment, I could schedule activities outside of class...
by Elena
Thu May 16, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119574

Re: What frugal thing did you do today?

I added several dresses to online department store shopping cart a couple of days ago. I did not check out. I want to wait to see if the desire will go away. It did. I emptied the dresses from the cart today. Let it FIRE. LOL, a friend and I call that the "repentment section" at Ikea. It is by the ...
by Elena
Wed May 15, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 7195

Re: Do you reward yourself for achieving a financial goal?

No, because reaching a financial goal is mostly beyond my doing and in the hands of the market. I do celebrate work achievements by going out to a nice lunch or buying a t-shirt that I do not need.
by Elena
Sun May 12, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: Ever Had an Animal Stuck in Chimney? What Did You Do?
Replies: 32
Views: 2321

Re: Ever Had an Animal Stuck in Chimney? What Did You Do?

If it's a small animal of the rodent variety, dropping a rope down the chimney will be enough for them to crawl out. Bats and nesting birds will probably move on after they're finished. I don't recommend making a lane in your house to direct a squirrel to the door. They'll be in your curtains or cl...
by Elena
Tue May 07, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2325

Re: What’s in your pocket?

GoldenFinch wrote:
Tue May 07, 2019 8:54 pm
Minot wrote:
Tue May 07, 2019 8:46 pm
triggerfish10 wrote:
Tue May 07, 2019 8:40 pm
Protection
Gun? Switchblade? Nun-chucks?
Sunscreen? Condom?
Bear deterrent spray?
Umbrella insurance policy printout?
by Elena
Thu May 02, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Rolled over and melting down
Replies: 72
Views: 7301

Re: Rolled over and melting down

You ARE me!!!, salary and otherwise.

Come to the forum for asset allocation and expense ratios once you solve the paperwork hurdle. Once all is consolidated, you will want to learn more. I like learning on my own, so I bet you do too!
by Elena
Thu May 02, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Rolled over and melting down
Replies: 72
Views: 7301

Re: Rolled over and melting down

Dear Cody, I too am going to ask you to slow down. I was with TIAA for a long time. I moved to Fidelity for lower ER (expense ratios; mainteinance costs). However, I speak very fondly of TIAA customer service reps. Since I moved out, they have been offering better choices with lower ER. I am going t...
by Elena
Thu May 02, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Patented a Way to Avoid Taxes on Mutual Funds"
Replies: 140
Views: 9743

Re: Bloomberg--Vanguard Patented a Way to Avoid Taxes on Mutual Funds

I don’t completely understand. Do the capital gains just go away? How will these capital gains show up eventually? Will they hit the etf shareholder someday down the road? They just go away. Not delayed, they just go away. A portion, anyway. Is anyone able to decode this statement? How is this bad ...
by Elena
Thu Apr 25, 2019 8:51 pm
Forum: Personal Investments
Topic: Disabled, Disillusioned, but Significant Assets - Move Overseas, Offshore?
Replies: 47
Views: 3705

Re: Disabled, Disillusioned, but Significant Assets - Move Overseas, Offshore?

Just broadly speaking, Europe is not as tax favorable as the US, except for Portugal. My dad complains at the tax brackets, lack of available deductions, cap. gains and div. tax rates, and complicated bureaucracy. He is in Spain, complaining, so he tought about moving to Portugal. However, now the E...
by Elena
Tue Apr 23, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 107
Views: 15157

Re: Single & Frugal or Coupled & (Financially) Incompatible?

Someone should invent a love algorythm based on finances. Talk about behavior!
by Elena
Mon Apr 22, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 12541

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

Healthcare: unable to budget confidently. I am 46, ready to retire mentally-wise, $1,250,000 in accts. (54% ret. & tax deferred, 46% in taxable), house paid off (appraised at $285,000), car paid off (old, but very low mileage), current yearly expenses of $25,000. Firecalc shows 100% success, but I a...
by Elena
Sat Apr 20, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119574

Re: What frugal thing did you do today?

Bought air filter and cabin filter from Amazon. Amazon (and other online auto parts stores) have a GARAGE feature which let's you store your car configuration (e.g. 1964 Pontiac GTO, 1974 Karman Ghia, and a 1986 Yugo - all with engine & style info) for easy matching parts. I really like "This part ...
by Elena
Sat Apr 20, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119574

Re: What frugal thing did you do today?

I fixed a bump in my 16 yr. old car. Unassembled inside of rear door, pressed the metal until it popped, reassembled cover. Thank you, YouTube! There is still a tiny dent, but I am going to consider this a fixed door.