Search found 117 matches

by a_movable_life
Fri Nov 15, 2019 8:52 am
Forum: Investing - Theory, News & General
Topic: Is the FIRE Movement Responsible for this Historic Bull Market Run
Replies: 76
Views: 6055

Re: Is the FIRE Movement Responsible for this Historic Bull Market Run

There are so few of us that it's a drop in the bucket.

Probably due to cheap money from central banks, stock buybacks, and expanding markets.
by a_movable_life
Thu Nov 14, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 2783

Re: Garage Generator Install

There are several videos on youtube of people using half height garden sheds/storage boxes for their generators away from the house. They poured a slab and bolted it down as well.

If anything it gets the noise further away from the home.
by a_movable_life
Wed Nov 13, 2019 9:58 am
Forum: Personal Investments
Topic: New financial responsibilities - a young couple seeking advice
Replies: 19
Views: 1501

Re: New financial responsibilities - a young couple seeking advice

With the double maxed out 401K contributions you should be back in the range to have deductible IRA's for both of you. The space is much smaller at $6000 each. Supercharging these accounts now so that they grow while for the 22-24 years you have child and college expenses as a higher priority may be...
by a_movable_life
Sat Nov 09, 2019 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3681

Re: Tale of 2 doctor job opportunities

I'd lean for the PP also I'm an NP not an MD but most other people here have covered the major points. I left my job that I thought I would retire from when the Hospital changed the entire department's structure significantly. 8 weeks will help with your quality of life. Do the other two partners ac...
by a_movable_life
Sat Nov 09, 2019 10:07 am
Forum: Investing - Theory, News & General
Topic: Why no one created a etf of dividend free stocks
Replies: 35
Views: 3391

Re: Why no one created a etf of dividend free stocks

According to some other threads around here, Schwab will be allowing fractional stock sales, and then we have the no commission in many cases. You could "Roll your own" if most of the weighting is in 5-10 stocks. I don't think I am going to be selling and taking capital gains on my VOO shares to get...
by a_movable_life
Fri Nov 08, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Settling a disputed estate, cannot locate one survivor
Replies: 20
Views: 1901

Re: Settling a disputed estate, cannot locate one survivor

Thanks. I believe that the deceased made a video during the signing of his will, to show that he was of sound mind and not under the influence of anyone else or too drugged up, etc. He also specifically verbalized that his children were omitted intentionally. So I don't see any legitimate reason th...
by a_movable_life
Fri Nov 08, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 90
Views: 7258

Re: Should I buy the family cottage?

The next big question since he would be selling it to you for around $300K below market value then that might cause a lot of strife with your siblings if that $300K does not come out of your share of his estate. This could cause problems with both the siblings who are also interested in the house a...
by a_movable_life
Thu Nov 07, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Should be I be investing anything in my current situation?
Replies: 19
Views: 1612

Re: Should be I be investing anything in my current situation?

I think it is more important that you figure out a long term employtment plan. I personally think you should try law enforcement, pay is good, it becomes great pay towards the end and great pensoin. In my town the AVERAGE police salary is $140K, plus overtime plus pension after 25 years. They also ...
by a_movable_life
Tue Nov 05, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: NYC weekend house: your experiences?
Replies: 22
Views: 3975

Re: NYC weekend house: your experiences?

Most people who also do this, change their legal residence to outside of NYC to save sometimes thousands of dollars in NYC Income Tax.
by a_movable_life
Sun Oct 27, 2019 11:25 pm
Forum: Personal Investments
Topic: Ways to avoid account transfer fees between brokerages?
Replies: 15
Views: 907

Re: Ways to avoid account transfer fees between brokerages?

I got hit with a $95 fee per account with Wells Fargo when I moved funds. I moved 3 account, so $285. In hindsight, I should have left $1 in there just for spite. Ive done business there for decades also. Really soured me even further to where I plan to move it all out. I personally think there sho...
by a_movable_life
Sun Oct 20, 2019 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle and Possible Retirement Job
Replies: 6
Views: 1203

Re: Side Hustle and Possible Retirement Job

Make sure your numbers work. You may find by the time you tow over the equipment, do the job, and go home you are making a lot less than you think you are per hour. Especially the wear and tear on the truck and the tractor.
by a_movable_life
Sun Oct 20, 2019 8:50 am
Forum: Investing - Theory, News & General
Topic: $2,467 is a minimum emergency fund
Replies: 36
Views: 7788

Re: $2,467 is a minimum emergency fund

Back when I was making 10 an hour and in Nursing school, one day I had my refrigerator die, and my car wouldn't start. That double hit would have sunk some people I know. 2.5K seems a good number for those people in a similar situation.
by a_movable_life
Tue Oct 15, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: College for real life use [Practical knowledge about investing]
Replies: 28
Views: 2790

Re: College for real life use

This board is pretty solidly against day trading/options/etc. You may need to go to a different site to get more information. When I was a staff RN we as part of the union got a hour of advising from a CFP. She was a social worker who went back to school. Part of the deal with the union is she could...
by a_movable_life
Sun Oct 13, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Extended Stay in Las Vegas - nearby hiking?
Replies: 10
Views: 863

Re: Extended Stay in Las Vegas - nearby hiking?

Take a look a little West and North. Some of the trails are overnights but worth the 2-4 hour drive.
I'm in Reno and have been "Told" where I am going after I leave here.
by a_movable_life
Sat Oct 12, 2019 3:17 pm
Forum: Investing - Theory, News & General
Topic: Tips/suggestions for graduating college students
Replies: 11
Views: 1078

Re: Tips/suggestions for graduating college students

Generally getting a shiny new car is not a great plan. My first job everyone had shiny cars from "Luxury" marques even though we were all under 25 except for me and the 30 something family guy. Not having a 300-500 dollar a month car note really gave me options. Not doing the math to knock down stud...
by a_movable_life
Fri Oct 11, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 95
Views: 17736

Re: What are your personal experiences with downside of early retirement?

So for me, the downside is when talented, older engineers walk out the door with irreplaceable experience. That has nothing to do with early retirement. Instead, it's solely due to management making the mistake of having replacements ready to go. Nobody is truly "irreplaceable". I disagree. In medi...
by a_movable_life
Sun Sep 29, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 2889

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

I need to to see what BOA and FIDO change their's to. The fact that everyone moved lockstep makes me think that it was a "Gentleman's agreement."
by a_movable_life
Sun Sep 29, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 2889

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

What I received via email: We’re making changes to the benefits you receive with your Choice Privileges® Visa® Card effective November 1, 2019. Roadside Dispatch will be added to your account. This benefit is a pay-per-use roadside assistance program that provides you with security and convenience w...
by a_movable_life
Mon Sep 23, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How does a bank make money off you? How to ensure they don't
Replies: 69
Views: 8163

Re: How does a bank make money off you? How to ensure they don't

No, they simply ask when we will meet to discuss it. Not if we should. If I don't reply, sure enough they will follow up two days later with an even more aggressive email. It's almost funny to watch. That's a standard sales technique. Job Hunting sites suggest it also. You "Ask for the meeting." My...
by a_movable_life
Fri Sep 20, 2019 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Managing joint finances when one is a perfectionist
Replies: 122
Views: 8267

Re: Managing joint finances when one is a perfectionist

Plus men usually predecease their women partners. My Grandmother, and many of the women I have worked with get blindsided or taken advantage of when they suddenly have to take over managing the finances. It's probably the number 3 most common new member post. "My husband died and the nice Edward Jo...
by a_movable_life
Mon Sep 16, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Managing joint finances when one is a perfectionist
Replies: 122
Views: 8267

Re: Managing joint finances when one is a perfectionist

Sounds irresponsible/immature. My husband didn’t have as much background in asset allocation when we got married, but he was a saver and didn’t blow off credit card bills. Life only gets more complex, and you need a partner who is mature enough to do all the boring adult things we need to do withou...
by a_movable_life
Sun Sep 01, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants me to sell her my driveway but parking is tight. Detailed analysis help
Replies: 45
Views: 5927

Re: Neighbor wants me to sell her my driveway but parking is tight. Detailed analysis help

I've lived in two towns with very tight street parking. As in sometimes circling for 1/2 hour or more. Sometimes having to part several blocks away. Sometimes getting up at 6AM to move the car off the main street before the meters turned on, or my own street before the parking authority came by to t...
by a_movable_life
Sun Aug 25, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 3795

Re: Another car affordability question, YOLO vs. extreme FI

Is FI your goal? You may be on track to get there way before 50. You have maxed out everything. This board can be a bit "no fun." Yes max out everything, pay off your mortgage, get to FI, max out every kid you knows 529 plans, etc. Then and only then shall you consider ditching the 1992 Beige Coroll...
by a_movable_life
Sat Aug 03, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4679

Re: Long Island NY housing

Are Queens schools better than LI schools? Combined property and nyc income taxes are still higher than LI property taxes for me. Absolutely not, LI has some of the best public schools in the US. NYC is ok, not in same league. Unless your children have the aptitude to get into the selective High Sc...
by a_movable_life
Sat Aug 03, 2019 12:33 am
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4679

Re: Long Island NY housing

I grew up there. Don't live there now. L.I. Is a geographical trap. Only way out is through the metropolitan area. Essentially your world is L.I. Has some pockets of interest, but you wear those out. It is a small world, but those there probably think they live in the only world. A lot of them end ...
by a_movable_life
Fri Aug 02, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4679

Re: Long Island NY housing

My Mother, Sister, BIL, his whole extended family, my cousins on my Father's side, and a large group of my friends live there. I grew up in Western Suffolk. I moved out years ago for a variety of reasons. I wish my Sister and BIL moved off the island since for them the housing costs and some of thei...
by a_movable_life
Tue Jul 30, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 8092

Re: Do you buy the highest trim car ?

No, I think they set them up this way on purpose because people are more likely to buy middle trim levels. By offering something higher (even though almost nobody every buys it) people feel good about buying the middle option. It's a well known marketing technique and I think it's used for trim lev...
by a_movable_life
Tue Jul 30, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 8092

Re: Do you buy the highest trim car ?

I don't know if anyone mentioned: You can install an after market radio/nav system and better speakers if you want or pay a stereo shop to do it for you. My 2012 Mazda 2 radio is having issues so I might have to do that soon. They have modules you can buy to keep the steering wheel buttons working. ...
by a_movable_life
Sat Jul 27, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 6927

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

BTW people are wrong about assuming only happens in a "bad" neighborhood. Thugs will leave the hood or trailer park and go where the good stuff is, distance depending how cocky or hard up they are. Sure very low odds, but if you think about this its only because you must be in a bad area is simplis...
by a_movable_life
Sat Jul 27, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 6927

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

I did not see if anyone has said it, but I've worked with a lot of petty criminals. Most of these crimes were trying to steal stuff to buy drugs. Sometimes they would just walk into someone's house because the front door was open for ventilation, and see if a purse was on a kitchen counter or near a...
by a_movable_life
Wed Jul 24, 2019 8:57 am
Forum: Personal Investments
Topic: Where to put $1.5M for 12-18 months?
Replies: 10
Views: 2210

Re: Where to put $1.5M for 12-18 months?

Lemongrab can the OP get a sign up bonus somewhere?
by a_movable_life
Mon Jul 22, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 4799

Re: New Subaru Outback Engine Offering for 2020

tomd37 wrote:
Mon Jul 22, 2019 8:15 am
How the heck do they "change" the air in a tire to nitrogen?
Probably put it on a lift, take the valve stems out.
Then put them back in and fill with nitrogen.
by a_movable_life
Sun Jul 21, 2019 8:08 pm
Forum: Spain
Topic: Retirement - Spain or Portugal?
Replies: 36
Views: 5309

Re: Retirement - Spain or Portugal?

¿Ustedes hablan espanol?

Which reminds me how I should start studying again as well. :)
by a_movable_life
Thu Jul 18, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 289
Views: 22328

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

It depends on your job. There are many jobs in HCOL areas that pay poorly or don't have higher rates for being in the big city.

If you have housemates, or live in a not as "Nice" neighborhood you can leverage a job that pays better in a HCOL area.
by a_movable_life
Mon Jul 15, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs, SECURE Act]
Replies: 89
Views: 4852

Re: SECURE act and Roth IRAs

"This last feature is especially important. By facilitating the inclusion of annuities as an investment option, the SECURE Act would make it more likely that workplace savers engage lifetime income solutions." https://www.investmentnews.com/article/20190712/BLOG09/190719965/the-secure-act-completing...
by a_movable_life
Sun Jul 14, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 145
Views: 8758

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

When I was in college one of my roommates was a slightly older student who had become a machinist that made plastic injection molds. He returned to school to become a mechanical engineer since he said that most of the engineers that designed plastic parts "had their heads up their %$#"" and didn't ...
by a_movable_life
Sat Jul 06, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Banking for Nomads
Replies: 28
Views: 3291

Re: Banking for Nomads

I also suggest you get a second account with an ATM card and that is not in your wallet. In case you lose your wallet, get mugged, etc. You can still access cash. Second this. Redundancy is important. I have a credit union account and an Ally account. The cards are in two separate wallets if I trav...
by a_movable_life
Fri Jul 05, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Banking for Nomads
Replies: 28
Views: 3291

Re: Banking for Nomads

Hello: Nomadic for two years now. Have been to Alaska, Canadian Maritime Provinces, and Southern Mexico. Since you are on here I suggest either CS or Fido for your main account. No ATM fees anywhere. I probably saved 100-200 in the last two years alone with that feature. I also suggest you get a sec...
by a_movable_life
Thu Jul 04, 2019 5:27 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund and additional questions]
Replies: 65
Views: 2384

Re: which is better schwab or fedelity

I'm going to pull the trigger on consolidating at the end of the year so I don't accidentally double contribute to things. Maybe I should work on getting more organized. I'm leaning to Fido because of the HSA. I wish they would bring the signup bonuses back. I'll put everything but the brokerage (Pr...
by a_movable_life
Mon Jul 01, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 6803

Re: Relocate to Seattle or NYC

I turned down a hospital position about 10 years ago. It would have been driving in from NJ to the Midtown at 3PM 1-2 hours because the transit commute on the way home at 1AM would have been 2-3 hours or 10-15 minutes by car. Add in 12 dollars in tolls and 25+ dollars for parking each way. NYC tax i...
by a_movable_life
Wed May 22, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a Pediatric practice as a Pediatric Nurse Practitioner
Replies: 66
Views: 5183

Re: Opening a Pediatric practice as a Pediatric Nurse Practitioner

Hello, Fellow Nurse Practitioner here. I have also thought of going into private solo practice. My specialty is psych, and there seems to be more of an acceptable business model of "Cash only" psych practices. There also is a shortage so people may be more willing to take an appointment in the next ...
by a_movable_life
Sat May 18, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Splitting a condo purchase with friend?
Replies: 20
Views: 1739

Re: Splitting a condo purchase with friend?

What is your exit strategy? What situations induce a sale? I have been thinking about this with business partnerships as if you want to sell, or they do something illegal and you have to pay them to go away. "She is not financially well off, and will be working for 10+ more years." What happens if s...
by a_movable_life
Fri May 10, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Planning for 401K contributions two 2 non resident states.
Replies: 5
Views: 530

Re: Planning for 401K contributions two 2 non resident states.

Thank you again for answering my questions. This is specifically about the 401K, which I thought is deductible in NJ. Do you want references? I hope I did not make a mess of this. Maybe I am using the wrong keywords to search for this? The only thing that is for some reason. It's one of the reason w...
by a_movable_life
Thu May 09, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Planning for 401K contributions two 2 non resident states.
Replies: 5
Views: 530

Planning for 401K contributions two 2 non resident states.

As usual I tried Google before asking this. Thank you all for your patience and advice. How are deductions for 401K/Ded. IRA/HSA calculated when you have two states income in the same year? I’m a SD resident who did temp work in NJ, and will possibly be accepting a second temp job in NV which has no...
by a_movable_life
Thu May 09, 2019 8:25 am
Forum: Investing - Theory, News & General
Topic: State Tax basis in IRA, Roth, HSA and 403B
Replies: 4
Views: 573

Re: State Tax basis in IRA, Roth, HSA and 403B

One of these days I am going to move to one state, settle down and have a simple tax return again. Grabiner thank you for helping me understand that there is no “State tax basis” for States other than their own in this case. Which makes sense as a mechanism to hopefully encourage the person to stay ...
by a_movable_life
Sat Apr 20, 2019 6:52 pm
Forum: Investing - Theory, News & General
Topic: State Tax basis in IRA, Roth, HSA and 403B
Replies: 4
Views: 573

Re: State Tax basis in IRA, Roth, HSA and 403B

Thanks. I had no idea about the HSA and keeping track of that. I was mote thinking about if I move from NJ to another state with State Tax. For example PA which is 3.5% across the board. Do I get credit for the difference already paid to NJ? That was why I wondered if I needed to track the basis and...
by a_movable_life
Fri Apr 19, 2019 9:29 am
Forum: Investing - Theory, News & General
Topic: State Tax basis in IRA, Roth, HSA and 403B
Replies: 4
Views: 573

State Tax basis in IRA, Roth, HSA and 403B

Hello Everyone: I read the very detailed "Fidelity as a one stop shop" thread. My eventual goal at the end of the year is to move everything to Fidelity. I have money all over the place partially due to chasing bonuses. Which I probably am going to stop doing for simplicity and I am tired of forgett...
by a_movable_life
Mon Feb 18, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Itinerant Worker Housing Deduction
Replies: 15
Views: 1158

Re: Itinerant Worker Housing Deduction

Follow up: As I expected. I finally after a month or two of going back and forth with the Recruiter. She did not consult with the accounting department, only with her manager. When I asked as I said above to speak with the accounting department I got the answer I predicted above: "In speaking with o...
by a_movable_life
Thu Jan 31, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Itinerant Worker Housing Deduction
Replies: 15
Views: 1158

Re: Itinerant Worker Housing Deduction

They must’ve pissed off somebody at the IRS because then owning the house isn’t considered a home dwelling? Them paying the bills and property tax each year? That’s ridiculous. The issue is not owning the house it's the duplicate expenses. I could own a rental home with no intent of ever living the...