Search found 815 matches

by bluebolt
Mon Jun 24, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Mobile Phone in Netherlands
Replies: 4
Views: 297

Re: Mobile Phone in Netherlands

This page has a good breakdown of the options available. https://prepaid-data-sim-card.fandom.com/wiki/Netherlands On a recent European trip, I ordered a 3 UK sim from Amazon for $23 which included tons of voice, text & data. Was great to be able to activate it here in the US and have it ready when ...
by bluebolt
Mon Jun 24, 2019 5:11 am
Forum: Personal Finance (Not Investing)
Topic: Are 529 contributions tax deductible in California?
Replies: 8
Views: 686

Re: Are 529 contributions tax deductible in California?

A Google search for "529 deductible California" shows results that says 529 contributions are not deductible.

The $15K per person per year limit applies for the calendar/tax year. Beyond that limit, you'd likely need to fill out form 709.
by bluebolt
Sat Jun 22, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4333

Re: Do you Casino? What do you play? Have you won?

There are two reasons to step foot in a casino: 1) You're paying for the entertainment value. You are aware of the odds and the likelihood that you lose your bankroll, but it's worth it to you for the fun you have. And, losing your bankroll doesn't impact your financial picture. 2) You have an advan...
by bluebolt
Sat Jun 22, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7125

Re: How do you approach tipping at carry-out restaurants

Deleted reported post quoted here -mighty72 Spot on. Personally I find tipping to be a very painless way to be generous to individuals who need a little boost. I always add a couple bucks to my Panera order, and I always tip generously on my carry out orders at sit down restaurants. Our kids worked...
by bluebolt
Wed Jun 19, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: What should be my next step?
Replies: 8
Views: 857

Re: What should be my next step?

What are your goals? Assuming you want to fund your child's education (how old?). Do you want to retire early or be prepared for a retirement at full retirement age? What does your budget/spending look like? Are you in your forever home or do you want to upgrade? Etc. Overall, looks like you have a ...
by bluebolt
Sun Jun 16, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 30
Views: 1608

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

Its all the same. Check my screen name. Its all the same. But keep in mind....your email address, your channel lineup, the 1/2 day you'll spend waiting for them to do the installation, its all part of the cost of switching. Push them hard...ask to speak to their retention group....ask for a supervi...
by bluebolt
Fri Jun 14, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23135

Re: Selling home- Demanding Buyer (Repairs)

I think the correct answer to the buyer’s latest counteroffer is “No. Take or leave my last offer.” It means the same thing as that novella you wrote, but is much more concise. I understand your level of frustration, though. What you wrote was very eloquently stated. This. Your wordy response is un...
by bluebolt
Wed Jun 12, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: pc remote viewing software like teamviewer?
Replies: 10
Views: 490

Re: pc remote viewing software like teamviewer?

A free Zoom account should do the trick. Meetings are limited to 40 minutes for the free version.

https://www.zoom.us/pricing/
by bluebolt
Tue Jun 11, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21659

Re: Can I afford this 2.3 million dollar home?

We always determined how much house we could afford by how much house would could pay for in cash. Through the years that number climbed and we would sell the one we were in and move up. Most of our lives we lived in a 200,000 to 300,000 house in a low cost of living area, plus we had a vacation ho...
by bluebolt
Tue Jun 11, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Shopping insurance? How often?
Replies: 15
Views: 927

Re: Shopping insurance? How often?

Do those of you who quote many carriers every year or so have a streamlined approach of providing the information to receive the quote? Thanks RT Most of them can look up your registration info automatically. If you've created quotes from them in the past, they may have the coverage amounts from th...
by bluebolt
Tue Jun 11, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 2996

Re: Passport photos cheap

I made a 4x6 photoshop template with 2x2 gridlines. I paste the same photo six times and print out the 4x6 cheaply at my local pharmacy. Comes out to about $0.05 per shot.
by bluebolt
Sat Jun 08, 2019 4:41 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund to pay debt
Replies: 25
Views: 1755

Re: Emergency fund to pay debt

A) The correct answer should be we do not know. B) And, it is irrelevant anyhow. We can be drowned in a lake with an average depth of 3 inches. Likelihood does not work for an individual. For example, we cannot be 3.6% unemployed. << Again, it depends on whether one has access to other funds via ta...
by bluebolt
Fri Jun 07, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7721

Re: What flagship (even used) item is better than a budget new item?

Breville toaster oven (and other high quality toaster ovens).
by bluebolt
Fri Jun 07, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 2635

Re: Best SIM card for travel in Europe?

I used a SIM from UK Three, purchased through Amazon on a trip to Europe last fall. It worked well in Germany, Austria and the Czech Republic. 4G in Austria, 3G elsewhere. It is supposed to work all over Europe, plus a bunch of other places. 12 GB, 3000 minutes, 3000 texts, 30 days. Amazon link her...
by bluebolt
Fri Jun 07, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund to pay debt
Replies: 25
Views: 1755

Re: Emergency fund to pay debt

bluebolt, Most people will face one or more recessions in their lifetimes. Many people faced financial troubles and emergencies in a recession. <<some massively risk-averse folks>> The risk will show up in real life regardless of whether we are risk-averse or not. It is just a fact of life. My niec...
by bluebolt
Fri Jun 07, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund to pay debt
Replies: 25
Views: 1755

Re: Emergency fund to pay debt

If you have a four month emergency fund and can replenish it to six months in a year, that doesn't seem like a crazy risk to me. If things go south immediately after you pay the debt, you still have a four month emergency fund. And every month that passes, it gets bigger and the risk decreases. But...
by bluebolt
Fri Jun 07, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund to pay debt
Replies: 25
Views: 1755

Re: Emergency fund to pay debt

B) If OP needs 1 year to replenish the EF, then, the risk is too high. KlangFool If you have a four month emergency fund and can replenish it to six months in a year, that doesn't seem like a crazy risk to me. If things go south immediately after you pay the debt, you still have a four month emerge...
by bluebolt
Fri Jun 07, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund to pay debt
Replies: 25
Views: 1755

Re: Emergency fund to pay debt

How quickly can you replenish the emergency fund? If you're taking it down to 4 months from 6 and can replenish it in 2-4 months, that seems pretty low risk. If it would take you a year, that's riskier. It also has to do with your total picture. If you had taxable accounts you could tap or home equi...
by bluebolt
Tue Jun 04, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21659

Re: Can I afford this 2.3 million dollar home?

Everything will change when moving from an average neighborhood to one of the most expensive in town. Expectations change, desires change, kids grow up a certain way. Everything is different I live in one of the most expensive neighborhoods of one of the most expensive cities in the country. Howeve...
by bluebolt
Mon Jun 03, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 2442

Re: Recommend a small inexpensive laser printer?

My senior citizen mom needs a new black and white printer. I’d like to get her a small, reliable, easy to use laser printer. No more ink jet printers. She does not need to print in color and does not print very often. Can anyone recommend one? Refurbished is likely fine. Thank you! Just a printer, ...
by bluebolt
Mon Jun 03, 2019 4:05 am
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 2442

Re: Recommend a small inexpensive laser printer?

My senior citizen mom needs a new black and white printer. I’d like to get her a small, reliable, easy to use laser printer. No more ink jet printers. She does not need to print in color and does not print very often. Can anyone recommend one? Refurbished is likely fine. Thank you! Just a printer, ...
by bluebolt
Thu May 30, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to do a check deposit with your cellphone app
Replies: 14
Views: 1335

Re: How to do a check deposit with your cellphone app

Higher limits often come with "relationship" banking status. You may also be able to ask the bank to increase the limit.
by bluebolt
Thu May 30, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: For Sale by Owner or RE Agent???
Replies: 38
Views: 2241

Re: For Sale by Owner or RE Agent???

FSBOd twice. Could not believe how easy it was and delighted at the money saved. But I think a lot depends on the state you live in. But you don't know how much more you would have gotten had you hired an agent. We all speculate which way is better but I sure would hire an experienced and aggressiv...
by bluebolt
Thu May 30, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Small business checking recommendations for high volume
Replies: 1
Views: 158

Small business checking recommendations for high volume

I've searched threads here and looked online, but it's hard to find this info. Would love folks who have experience in this area to chime in. Located in MA, so national and MA regional banks are fine. I'm looking for a business checking account to accommodate the following: High volume of deposited ...
by bluebolt
Thu May 30, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21659

Re: Can I afford this 2.3 million dollar home?

If all goes right, you'll be fine. If anything goes wrong, you may go bankrupt. And, as an aside, I've seen many people build "forever" homes and rarely see them stay in them permanently. You mean if *everything* goes wrong, OP may go bankrupt. If anything goes wrong, it's fine. In fact, if nearly ...
by bluebolt
Thu May 30, 2019 3:22 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21659

Re: Can I afford this 2.3 million dollar home?

You should not purchase a home in this price range unless you pay cash. If your income goes away (disability, death, job loss, economic disruption) you are screwed. Save the money and pay cash. Why? If the OP can put a reasonable amount down, what are some of the really bad scenarios? I'm assuming ...
by bluebolt
Wed May 29, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21659

Re: Can I afford this 2.3 million dollar home?

You can afford it. At your income, I might even consider a 15 year mortgage, so in 15 years, it will make the FIRE decision easier. :sharebeer Considerations as your "forever" home: How will the layout seem as you age into it? Will that staircase seem painful at 60, 70? Do you have to travel between...
by bluebolt
Wed May 29, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14947

Re: Fun paid jobs after FIRE

I was listening to a podcast the other day (sorry, listen to several so don’t recall which one) and the guest said he didn’t like the term fire, and suggested to change it from fire (Financial Independence Retire Early to Fite (Financial Independence, Transition Early). That way you don’t have the ...
by bluebolt
Wed May 29, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: The Economist print and digital, $99 today
Replies: 14
Views: 1156

Re: The Economist print and digital, $99 today

Good deal but not as good as free from my library (yes, full digital access). :D I was a subscriber for many years, but found myself reading it less and less. I found I was able to download from my local library and now the one or two times a year I read an issue (usually while traveling), it's gre...
by bluebolt
Wed May 29, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: For Sale by Owner or RE Agent???
Replies: 38
Views: 2241

Re: For Sale by Owner or RE Agent???

Sample size of one, but I was able to sell a place in a hot market by myself. Had multiple offers and it turned out the highest bidder had no agent either, so it saved me a lot of money. 0% commissions, paid a lawyer a flat fee. It was interesting to see how agents reacted when I told them/their cli...
by bluebolt
Wed May 29, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: For Sale by Owner or RE Agent???
Replies: 38
Views: 2241

Re: For Sale by Owner or RE Agent???

When the buyer 'hires' a realtor they agree on a fee in the paperwork, right? So if the realtor contract says 3%, and the seller (FSBO) declares 2.25%, wouldn't the realtor be correct to take 0.75% from the buyer? Does this happen? no, this is not how it works. The buyer and buyer's agent do not ag...
by bluebolt
Tue May 28, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: New babies, NICU stay, post-partum complications & Insurance
Replies: 24
Views: 2236

Re: New babies, NICU stay, post-partum complications & Insurance

When our child was born and I changed the policy a month later due to the qualifying event, the start date was retroactive to the birth date and I ended up being on the hook for a lot more than I expected. Obviously, YMMV, but I would verify with your insurance company exactly how this would play ou...
by bluebolt
Tue May 28, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a broker and contract when selling my house
Replies: 17
Views: 1260

Re: How to deal with a broker and contract when selling my house

BTW, it's also very market dependent - if you are in a super hot market, it's a lot easier to sell without an agent. If you have extremely good comps, it's a lot easier to price it right. If you have a desirable property/house, it also makes things easier. Without any of those things, it's harder an...
by bluebolt
Tue May 28, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a broker and contract when selling my house
Replies: 17
Views: 1260

Re: How to deal with a broker and contract when selling my house

Depends on your experience and comfort with selling a house. If it's your first time and/or you're not that comfortable, hire a broker and pay the toll. Use Redfin or a discount broker to save some money. If you are experienced, hire a lawyer, pay their fee and be prepared to deal with a few hassles...
by bluebolt
Thu May 23, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Best bassinet
Replies: 25
Views: 1276

Re: Best bassinet

I like this one (it was much cheaper when I got it): https://www.buybuybaby.com/store/product/arm-39-s-reach-reg-the-co-sleeper-reg-versatile-bassinet-in-grey-white/5186129?skuId=65200704 A crib is great, but it was useful to have the bassinet in the same room as us at the beginning. A crib wouldn't...
by bluebolt
Tue May 21, 2019 3:38 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17979

Re: High net worth, elite private or “good” public

Except for the very worst schools, the education *your* kid gets will be influenced more by what’s happening at home than by the school they go to. I suspect most children of Bogleheads would do just fine at 90% of the schools out there, public or private. There are no bad schools or bad teachers. ...
by bluebolt
Mon May 20, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 2635

Re: Best SIM card for travel in Europe?

My last couple trips to Europe (since roam like at home was instituted), I've just purchased local SIM cards at my country of arrival and used them throughout my trip.

Check the fandom wiki linked in a post above for the country where you will arrive to find a good deal on a plan.
by bluebolt
Mon May 20, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11321

Re: Should I encourage my kids to work in high school/college?

I think working summers is a good approach. Doesn't interfere with schoolwork and teaches lessons of responsibility and value of money.
by bluebolt
Mon May 20, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17979

Re: High net worth, elite private or “good” public

I'm not an expert on European education, but I've read a half dozen articles on it and the way they track kids into different programs at a young age seems really Orwellian. Just horrible, controlling and overbearing in an arrogant paternalistic kind of way. One of the things that American educatio...
by bluebolt
Mon May 20, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning - Structure and schedule of financial support for heirs
Replies: 7
Views: 1038

Re: Estate Planning - Structure and schedule of financial support for heirs

Re: #4 - I assume you will have a trust for the benefit of your child, where the trustee can spend money as they see fit for the child's care, education & welfare. Is the money you're suggesting here over & above that to the guardian? Will you have a trustee who is a different person than the guardi...
by bluebolt
Sun May 19, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17979

Re: High net worth, elite private or “good” public

I wasn’t talking genetics, but since you are, the report states that 49% of traits are hereditary. Am I missing something about your argument? That is a VERY well known study (obviously, it is in Nature ) and I have no idea how it is relevant to what you said. Not saying Bluebolt is necessarily wro...
by bluebolt
Sun May 19, 2019 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17979

Re: High net worth, elite private or “good” public

I wasn’t talking genetics, but since you are, the report states that 49% of traits are hereditary. Am I missing something about your argument? That is a VERY well known study (obviously, it is in Nature ) and I have no idea how it is relevant to what you said. Not saying Bluebolt is necessarily wro...
by bluebolt
Sat May 18, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17979

Re: High net worth, elite private or “good” public

Parenting is 50% of the equation. 40% is the child. 10% is the school. Studies show that parental influence on children's behavioral traits are probably not nearly that high. What studies? Don’t just make up numbers. I would say on average that may be true because some parents are just terrible par...
by bluebolt
Sat May 18, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17979

Re: High net worth, elite private or “good” public

Bacchus01 wrote:
Sat May 18, 2019 11:01 am
Parenting is 50% of the equation. 40% is the child. 10% is the school.
Studies show that parental influence on children's behavioral traits are probably not nearly that high.
by bluebolt
Thu May 16, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6596

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

Hi, Like the title says, did you ever buy luxury for as a reward? Like a nice rolex when reaching 250000 net worth or a new BMW at 500000 or something like that? With the numbers you cite the rewards greatly outpace the achievements. My thought was to buy myself a Sekio watch when I hit the two com...
by bluebolt
Thu May 16, 2019 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6596

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

When I think of my investments in terms of their annuitized/SWR value, they don't seem so impressive and I am not so tempted to reward myself.
by bluebolt
Thu May 16, 2019 5:31 am
Forum: Personal Consumer Issues
Topic: [Another] How much to spend on a car/what to get thread
Replies: 27
Views: 1414

Re: [Another] How much to spend on a car/what to get thread

$14k/month after tax income seems extremely low. Are you sure? I would not buy an expensive car, maybe no more than $35k, pay cash, and then pay off your debt asap. With your income should be easy. Build up your net worth over the next few years to >$1m then upgrade if you want to a luxury car. Lif...
by bluebolt
Wed May 15, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Options?
Replies: 11
Views: 703

Re: Stock Options?

New grad negotiating for 20% higher salary on top of the options offered at a new start-up? 99% sure the hiring manager will tell them that the offer is the offer, take it or leave it. You won’t know until you try. Even if I don't have flexibility as a hiring manager, I always respect when someone ...
by bluebolt
Wed May 15, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Options?
Replies: 11
Views: 703

Re: Stock Options?

Also, how many shares are outstanding? I assume at 3000 options being offered to an entry level employee that's probably 0.01% or less of the overall equity. Some companies are notoriously stingy about giving out that info, but you could use it to model the value of the options at various valuations...
by bluebolt
Wed May 15, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6596

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

One of the biggest rewards of staying on track towards our goals is that I don't have to sweat the small stuff like I used to. And, since our savings goals are automatic and on-track, we don't have to really keep any kind of budget. Makes life much more pleasant.