Search found 367 matches

by Elena
Wed May 13, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 85
Views: 5578

Re: Employer cut 403b contribution to zero

My R1 never contributed anything to our 403b or 457b. I max out both plans out of my own paycheck.
by Elena
Tue May 12, 2020 8:29 pm
Forum: Investing - Theory, News & General
Topic: Reacting to low interest rates
Replies: 80
Views: 5944

Re: Reacting to low interest rates

I did a Roth conversion to be paid with cash. I am also trading short with a bit of money. If I can get 3% in this volatile environment in several days, yes,taxes will be higher, but chasing after inexistent higher rates for cash seems like wasted time. This is a small position, and by "short" I mea...
by Elena
Mon May 11, 2020 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement due to COVID 19 ?
Replies: 82
Views: 6178

Re: Retirement due to COVID 19 ?

Thank you for the information, LadyGeek. I was actually considering taking unpaid leave to be with my parents until everything settles (once I can make it abroad). However, early retirement has been on my mind for the last several years, and even though I do not like to do things in the spur of the...
by Elena
Mon May 11, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement due to COVID 19 ?
Replies: 82
Views: 6178

Re: Retirement due to COVID 19 ?

Congratulations, LadyGeek! Were the 30 days enough time for you to make sure? Thanks! Actually, 2 weeks was enough. You know you're ready when all you can think of is "I don't want to do this any more". I simply did not want to go back to work. My posts starts here: Re: Roll Call for the Retirement...
by Elena
Sun May 10, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement due to COVID 19 ?
Replies: 82
Views: 6178

Re: Retirement due to COVID 19 ?

I took a 30 day unpaid leave of absence due to coronavirus. It was also a test run to see if I liked retirement. Test passed. I retired from my employer a few days ago and I'm not looking back. On the very day I went back to sign my termination paperwork, they sent out an email that someone tested ...
by Elena
Sun Apr 05, 2020 5:26 pm
Forum: Personal Investments
Topic: Anyone else having trouble changing tax payment date?
Replies: 7
Views: 545

Re: Anyone else having trouble changing tax payment date?

I filed my 2019 taxes through Turbotax in January and scheduled the payment to be debited from my checking account. However, because I owe a sizable amount this year, I wanted to take advantaged of the extension. I followed Turbotax's instructions and called the IRS to cancel my payment and then we...
by Elena
Fri Apr 03, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my travel in France and Belgium in mid May?
Replies: 75
Views: 5531

Re: Should I cancel my travel in France and Belgium in mid May?

Yes, cancel, absolutely. Even if you can get there, I doubt you will enjoy it.
by Elena
Fri Apr 03, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6260

Re: Should I keep paying fitness center fees while it is closed?

My comment in general is that many, many businesses are hoping/expecting their customers to absorb the brunt of this pandemic's impact. Many organizations are hoping and expecting their customers will continue to pay largely the same amounts of money without being provided a service in return. I do...
by Elena
Tue Mar 31, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Pay fed tax now - or July 15?
Replies: 47
Views: 4248

Re: Pay fed tax now - or July 15?

I have a quick question. I already filed my federal return, and registered with EFTPS. When scheduling my payment for July 15th, I am presented with a "Tax type" menu, as follows, but my payment is just the regular 2019 tax, not the ones below. Does anyone know which one will apply? Thank you. Esti...
by Elena
Tue Mar 31, 2020 5:28 pm
Forum: Investing - Theory, News & General
Topic: Anyone learn about Behavior Economics???
Replies: 6
Views: 499

Re: Anyone learn about Behavior Economics???

This very forum has proven to yield useful, albeit raw, data.
by Elena
Sat Mar 28, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Pay fed tax now - or July 15?
Replies: 47
Views: 4248

Re: Pay fed tax now - or July 15?

I have a quick question. I already filed my federal return, and registered with EFTPS. When scheduling my payment for July 15th, I am presented with a "Tax type" menu, as follows, but my payment is just the regular 2019 tax, not the ones below. Does anyone know which one will apply? Thank you. Esti...
by Elena
Sat Mar 28, 2020 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Pay fed tax now - or July 15?
Replies: 47
Views: 4248

Re: Pay fed tax now - or July 15?

I have a quick question. I already filed my federal return, and registered with EFTPS. When scheduling my payment for July 15th, I am presented with a "Tax type" menu, as follows, but my payment is just the regular 2019 tax, not the ones below. Does anyone know which one will apply? Thank you. Estim...
by Elena
Sat Mar 21, 2020 8:52 am
Forum: Personal Investments
Topic: Reinvesting dividends with Spec ID method at Vanguard
Replies: 5
Views: 215

Re: Reinvesting dividends with Spec ID method at Vanguard

I would switch to SpecID, regardless. It gives one more control (options), and life is long. You never know when you might need it, and it is just another tool. It only takes one click and nothing really changes if you do not use it.
by Elena
Thu Mar 12, 2020 11:35 pm
Forum: Personal Investments
Topic: High equity allocation FIRE folks
Replies: 5
Views: 702

Re: High equity allocation FIRE folks

Very curious how one select group of Bogleheads is feeling during this market downturn: those who prefer high equity allocations up to 80%-100% as early retirees. The strategy is commonly advocated for (e.g. Karsten at Early Retirement Now) with strong logical rationale and backtested portfolio sur...
by Elena
Thu Mar 12, 2020 12:01 am
Forum: Personal Investments
Topic: officially bear market ...
Replies: 77
Views: 7073

Re: officially bear market ...

I have followed and been in the market for many years. This overreaction is pure panic. When will this end? answer: the moment the WHO says virus has lessened or is contained. The result- the market will immediately sky rocket back to high or near-high levels. Exactly, OR the second someone announc...
by Elena
Wed Mar 11, 2020 11:42 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41670

Re: The Calm Post - Stay the course thread.

I don't know whether to believe some of these responses. I'm much younger than most of you and have been buying into this nearly-bear market. But I would not say that I'm emotionally zen at all. I experience some fear when looking at the dollar value drops of my portfolio. And I experience even mor...
by Elena
Sun Mar 08, 2020 5:24 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190749

Re: Bogleheads community discussion - Coronavirus

Thank you for shuffling things around these days, LadyGeek.

Much appreciated, so that you know. I hope all is well,

Elena.
by Elena
Thu Mar 05, 2020 7:29 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526449

Re: What are you up YTD? [Year To Date]

Currently not looking, as advised.
by Elena
Tue Feb 25, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: Selling a house with a safe
Replies: 26
Views: 2451

Re: Selling a house with a safe

I would empty it, and feature it as an asset. "This home features a bolted safe for your treasured valuables, catering to convenience".
by Elena
Thu Feb 20, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2473

Re: HS Latin or Spanish/ASL?

*snip* Anyway, I think it's amusing that we do the same thing ourselves in reverse, with the actual name Spain and the adjective Spanish , which are España and español . Here, there should be an initial "Ay" sound. The odd thing is that whereas Spain and Spanish are impossible letter combinations i...
by Elena
Thu Feb 20, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2473

Re: HS Latin or Spanish/ASL?

...another interesting shift was the addition of an e to words starting with s. So in many words in English coming from Latin start with an s but Spanish adds an e. For example, state in English is estado in Spanish. spirit in English is espiritu in Spanish; scandal in English is escandalo in Spani...
by Elena
Thu Feb 20, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2473

Re: HS Latin or Spanish/ASL?

I would choose Latin for HS instruction, then send the kid away to immersion in Spanish. The way Spanish is taught in a classroom is not very effective, and Latin is approached in a more rigorous, technical manner (because one does not have to actually communicate with the living). Latin structures ...
by Elena
Fri Feb 07, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: Cheap Black Only Printer
Replies: 26
Views: 1137

Re: Cheap Black Only Printer

I have been thinking about replacing my color printer/scanner (Brother) with a monocrome printer/scanner as well. I seldom print anything in color, but do use the scanner more often. I just with they were smaller. Flatbed scanners are indeed smaller, but once you combine both functions they all seem...
by Elena
Fri Feb 07, 2020 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 66
Views: 3995

Re: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account

I too got my bonus today. The 1.88% interest rate is not worth trying to figure the interface out (with those fake sample transactions), so I will be closing the account. I wish they fixed it, as it is not "simple".
by Elena
Tue Jan 28, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 66
Views: 3995

Re: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account

I hate the interface and can't wait to close my account after getting the bonus. +1. Terrible interface, transfers take forever. My first transfer from the checking account to "protected goals" for some reason took over a week when it should have been instantaneous and customer service was useless....
by Elena
Thu Jan 23, 2020 9:33 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26556

Re: Sad news: LadyGeek's husband has passed

LadyGeek wrote:
Thu Jan 23, 2020 9:32 pm
Elena wrote:
Thu Jan 23, 2020 9:11 pm
My condolences, Lady Geek, also from the forum in Spain.

Elena.
Muchas gracias por las condolencias. (Thank you very much for the condolences.)

I am a member of our brother Spanish forum: Bogleheads® España
Besos.
by Elena
Thu Jan 23, 2020 9:11 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26556

Re: Sad news: LadyGeek's husband has passed

My condolences, Lady Geek, also from the forum in Spain.

Elena.
by Elena
Tue Jan 21, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: What are you doing differently this year?
Replies: 41
Views: 3632

Re: What are you doing differently this year?

I would like to increase my spending just a tad without feeling like I am wasting money. I have already tried it in Jan. I spent more on a toy I wanted (not needed at all), and now I am practicing not feeling bad (failing, so far, as I keep thinking that money could have been invested). Also, I woul...
by Elena
Mon Jan 20, 2020 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: to pre-nup or not?
Replies: 133
Views: 11921

Re: to pre-nup or not?

bitdocmd wrote:
Mon Jan 20, 2020 10:03 pm
Elena wrote:
Mon Jan 20, 2020 9:51 pm
My sense is that you would rather not get married. You do not have to.
Where is OP here?
LOL, I thought the case was current. Indeed, what ever happened!? :oops: Wait!The case IS current! :oops: :sharebeer :confused
by Elena
Mon Jan 20, 2020 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: to pre-nup or not?
Replies: 133
Views: 11921

Re: to pre-nup or not?

My sense is that you would rather not get married. You do not have to.
by Elena
Fri Jan 17, 2020 11:28 am
Forum: Personal Investments
Topic: Ready to invest in the stock market for the first time in my life
Replies: 95
Views: 5860

Re: Ready to invest in the stock market for the first time in my life

Behavioral question for your class: You invest $25,000 in whichever stock or mutual fund. It does not matter. Within a week, portfolio value drops to $3,000. What would you do? I know you directed this at macheta, but I would say... buy more? That would be an indicator of investor behavior. Could y...
by Elena
Fri Jan 10, 2020 10:39 pm
Forum: Personal Consumer Issues
Topic: Recommend Dual SIM smartphone please
Replies: 25
Views: 1920

Re: Recommend Dual SIM smartphone please

I have a dual SIM phone with two SIMs, one European and another one from the US. Only one is active at a time, that is, you can choose which one but only one provider can be picked up, and you can choose back and forth, so the foreign one will be roaming should you choose that card. I ended up physi...
by Elena
Fri Jan 10, 2020 6:11 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169652

Re: What frugal thing did you do today?

An unfrugal+frugal+unfrugal+investment combination: Unfrugal: replaced two perfectly working ceiling fans in the last two weeks (dated, ca. 15 yrs. old) with mid-expensive ones (purchased with coupons, no tax, cash back, etc.). Frugal: installed them myself, saving ca. $160 each for installation. Un...
by Elena
Tue Jan 07, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Exercise machine for a small apartment
Replies: 56
Views: 3274

Re: Exercise machine for a small apartment

123 wrote:
Sun Jan 05, 2020 10:20 pm
Avoid the stairs and the elevator and use a climbing rope in/out of a window.
Yes! Take dog to the bathroom for added weight.
by Elena
Thu Jan 02, 2020 10:20 pm
Forum: Spain
Topic: Interview with ClarkBo: Bogleheads España
Replies: 2
Views: 720

Re: Interview with ClarkBo: Bogleheads España

Thank you! It will be interesting to read. I still do not understand how it is so hard for Spanish citizens to replicate what we do here in the US, especially cost-wise. I do not know who to blame (banks, regulators, investors). Why are all commissions/fees/ratios not only much higher but also quite...
by Elena
Sun Dec 29, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Prefer spending money on investing rather than "things"? Is this weird?
Replies: 37
Views: 2777

Re: Prefer spending money on investing rather than "things"? Is this weird?

In a variation, I tend to get more satisfaction from buying things from money that does not come from working hours but from the investment machinery. It feels less like "I" am paying for it, but the offsprings of my original working moneys are.
by Elena
Thu Dec 26, 2019 7:45 pm
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7377

Re: May I expedite early retirement?

Here’s the bottom line. Your parents are important to you and you want to be there for them. That makes sense to me. It doesn’t sound like your parents are quite to the point that they need you full time, but I’m sure they would love to have you nearby. I’m worried that they will not be happy to kn...
by Elena
Wed Dec 25, 2019 2:55 pm
Forum: Personal Investments
Topic: Ready to invest in the stock market for the first time in my life
Replies: 95
Views: 5860

Re: Ready to invest in the stock market for the first time in my life

Behavioral question for your class:
You invest $25,000 in whichever stock or mutual fund. It does not matter. Within a week, portfolio value drops to $3,000. What would you do?
by Elena
Wed Dec 25, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: demented mother's online spending
Replies: 126
Views: 11401

Re: demented mother's online spending

Could you ask her (their?) therapists and counselors? I too would feel helpless, but I am sure she is not the first person showing this behavior. Maybe they can recommend, maybe even sign off as certified experts, proper medical and legal steps.
I am sorry you have to deal with this.
by Elena
Wed Dec 25, 2019 7:06 am
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7377

Re: May I expedite early retirement?

If you care for their well beings, stay with them and take care of them day by day. Visiting for a week or a month is one thinng, living with them is totally a different experience. Since you have lived far away from them for so long, you may find surprised that you cannot live with them like to th...
by Elena
Mon Dec 23, 2019 10:20 pm
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7377

Re: May I expedite early retirement?

If you care for their well beings, stay with them and take care of them day by day. Visiting for a week or a month is one thing, living with them is totally a different experience. Since you have lived far away from them for so long, you may find surprised that you cannot live with them like to thi...
by Elena
Mon Dec 23, 2019 10:17 pm
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7377

Re: May I expedite early retirement?

On the question about US healthcare covering you when you are out of the country, be sure to ask your health care provider what coverage you have. It was over ten years ago so it may be dated but I once called Blue Cross to ask about my employer health plan coverage while I was on a vacation to Eur...
by Elena
Sun Dec 22, 2019 6:19 pm
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7377

Re: May I expedite early retirement?

May I expedite early retirement? You may. Not only that, you probably can. Regardless of end-of-cycle valuations, you think? I can stomach a big drop well, but I count on not being in a Japanese cycle, that is why I wanted to reach 1.5, to have a bit of cushion. That would work, too. Thank you, Joe...
by Elena
Sun Dec 22, 2019 5:52 pm
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7377

Re: May I expedite early retirement?

JoeRetire wrote:
Sun Dec 22, 2019 4:42 pm
May I expedite early retirement?
You may.

Not only that, you probably can.
Regardless of end-of-cycle valuations, you think? I can stomach a big drop well, but I count on not being in a Japanese cycle, that is why I wanted to reach 1.5, to have a bit of cushion.
by Elena
Sun Dec 22, 2019 5:49 pm
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7377

Re: May I expedite early retirement?

Without knowing your field or parents' location or interest, this may be inappropriate ... have you looked for an academic position in Spain? Would your American experience & publication be useful in your field? A new department and colleagues could be quite stimulating. Good luck! Getting into the...
by Elena
Sun Dec 22, 2019 5:44 pm
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7377

Re: May I expedite early retirement?

On the question about US healthcare covering you when you are out of the country, be sure to ask your health care provider what coverage you have. It was over ten years ago so it may be dated but I once called Blue Cross to ask about my employer health plan coverage while I was on a vacation to Eur...
by Elena
Sun Dec 22, 2019 4:16 pm
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7377

Re: May I expedite early retirement?

Without knowing your field or parents' location or interest, this may be inappropriate ... have you looked for an academic position in Spain? Would your American experience & publication be useful in your field? A new department and colleagues could be quite stimulating. Good luck! Getting into the...
by Elena
Sun Dec 22, 2019 3:47 pm
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7377

Re: May I expedite early retirement?

Without knowing your field or parents' location or interest, this may be inappropriate ... have you looked for an academic position in Spain? Would your American experience & publication be useful in your field? A new department and colleagues could be quite stimulating. Good luck! Getting into the...
by Elena
Sun Dec 22, 2019 11:09 am
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7377

Re: May I expedite early retirement?

How are your parents finances? If you might have to support them financially someday then that could be a big factor. There is a very reasonable chance that at least one of them will live to be 95+ years old or even older. You also need to rerun your numbers as if you were living in Spain near your...
by Elena
Sun Dec 22, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situation
Replies: 101
Views: 10235

Re: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situati

Thanks for the explanation. Do you tend to only put groceries, gas, and the like on it or do you buy everything with it? Also, I was hoping you could put cc's on autopay! I have everything I can on autopay and it's fantastic when paired with a monthly budget. _______________________________________...