Search found 189 matches

by Keepcalm
Wed Jul 11, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Living above means until March 1st
Replies: 16
Views: 1991

Living above means until March 1st

Due to circumstances my monthly outflow will now be about $300-$400 over my inflow until March. Has anyone ever been in this situation? Although I can survive the event it is a hard one mentally. Looking for some mental insight from those who may of had to take a negative cashflow short term like th...
by Keepcalm
Mon Jul 09, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Resume Question
Replies: 10
Views: 642

Resume Question

For someone who has held the same job title and duties over multiple employers is it bad practice to copy and paste some of the same bullet points for all employers or should I be making each employers bullet points unique from one another. For instance in my line of work as an engineering test tech...
by Keepcalm
Mon Jul 09, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Boglehead - Help with Savings / Investing
Replies: 5
Views: 445

Re: Newbie Boglehead - Help with Savings / Investing

It may seem petty however you could more than double the interest on your emergency fund as 0.75% is low for todays standards. Take a look at Ally Bank which sits at 1.75%.

Free money is free money. :beer
by Keepcalm
Sun May 20, 2018 1:06 am
Forum: Investing - Help with Personal Investments
Topic: Government Roth 457(b) fees just went up 148%
Replies: 7
Views: 947

Government Roth 457(b) fees just went up 148%

Monthly per 10k total admin fee was $0.33 now it is $2.22

% wise it went from total fee of .04% to .266%

The fund is VINIX, would this have anyone begin looking else where?
by Keepcalm
Fri May 18, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: Micromanaging myself to help with completing tasks
Replies: 15
Views: 1516

Re: Micromanaging myself to help with completing tasks

Another thing. Speaking of bed. I have been making 7-8 hours of sleep a priority over everything.

If I need to cut it down an hour or two to 5-6 hours of sleep should I be compromising that priority or pushing tasks to the next day?
by Keepcalm
Fri May 18, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Micromanaging myself to help with completing tasks
Replies: 15
Views: 1516

Micromanaging myself to help with completing tasks

I’m speaking of having a notebook and structuring my entire day whether it’s in half hour increments, one hour, etc.. From feeding the animals, to errands I need to run, to reserved time for technology (computer, email, phone, etc.) and everything between. This is for my personal time. I waste a lot...
by Keepcalm
Mon Apr 09, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: USAA Check Clearing Time
Replies: 7
Views: 576

USAA Check Clearing Time

So I use deposit mobile, scan check, done. Deposited 4/5 will not clear until 4/12. This has been happening on all my checks whether personal or payroll as I have been receiving hard checks from work until I figure out who I'm going to remain banking with. Is this 7 day period within normal time par...
by Keepcalm
Fri Apr 06, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Are we in bear territory?
Replies: 49
Views: 6367

Are we in bear territory?

How close are we to a 20 point drop? And what range of months does it require that 20 point drop to be within? Where are we at now?

Thanks.
by Keepcalm
Wed Mar 28, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 14303

Re: Healthy eaters -- is this grocery budget normal to you?

Very curious on the responses to come on this post. I am also one who is on the verge of making quality of foods one of the highest priorities on my budget. Right now I buy supermarket meats etc and often grab what is there and of normal market price. However now I'm looking into going direct to a l...
by Keepcalm
Mon Mar 12, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard now charging $10.00 wire fee
Replies: 33
Views: 4038

Re: Vanguard now charging $10.00 wire fee

Clever_Username wrote:
Mon Mar 12, 2018 9:24 am
I just want to double check: when my taxable account distributions are sent to my checking account (not at Vanguard), this doesn't bring up a $10 charge, does it?

If it's just for people in a rush to get the money, I'm fine with that.
Correct. Just wires.

Your ACH transfers are no charge.
by Keepcalm
Mon Mar 12, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard now charging $10.00 wire fee
Replies: 33
Views: 4038

Re: Vanguard now charging $10.00 wire fee

I think it's an issue with principle, not so much how often one needs a wire.

When VG eventually implements other fee's that are foreign to their roots I will remember getting razzed over this. :wink:
by Keepcalm
Mon Mar 12, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard now charging $10.00 wire fee
Replies: 33
Views: 4038

Vanguard now charging $10.00 wire fee

When you were in a time pinch and needed to wire funds from your VG account to a bank account you were able to wire free of charge.

Just got off the phone with VG and now unless your a flagship customer you are hit with a $10.00 fee (as of 2/15).

All good things come to an end?

Bummer.
by Keepcalm
Thu Feb 22, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Terminology question: what does "losing money" mean?
Replies: 71
Views: 3318

Re: Terminology question: what does "losing money" mean?

If I could insert a Michael Jackson eating popcorn meme this is where I’d do it.

Standing by.
by Keepcalm
Tue Feb 13, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Start job without quote signed?
Replies: 4
Views: 466

Re: Start job without quote signed?

It’s self employment work I do on the side. Contractor work. It was a quote with price, dates and a breakdown of the work that will be performed.

Signed agreement I would call it. Which I thought protects me if I’m stiffed?
by Keepcalm
Tue Feb 13, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Start job without quote signed?
Replies: 4
Views: 466

Start job without quote signed?

A quote was sent over to be signed and returned to me. They verbally accepted it over an email however I have not received it back signed yet. Am I out of line if I do not start the job unless I receive the quote signed? Tentative start date is tomorrow and requires a commute. Or do I just go and gi...
by Keepcalm
Tue Feb 13, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 10253

Job is starting to suck the life out of me.

Am I just naive at 31? I try to take initiative to help out the department and they could all care less and I'm not even looking for a pat on the back. Just their demeanor speaks volumes. Including the head tech and the supervisor. Makes me just want to do enough while on shift just to get by under ...
by Keepcalm
Fri Feb 09, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: 0% 18/MO.Balance Transfer w/2% fee
Replies: 17
Views: 1072

Re: 0% 18/MO.Balance Transfer w/2% fee

Scared money doesn't make money!
by Keepcalm
Fri Feb 09, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: 0% 18/MO.Balance Transfer w/2% fee
Replies: 17
Views: 1072

0% 18/MO.Balance Transfer w/2% fee

What are some opinions on using this to invest?
by Keepcalm
Thu Feb 08, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 9618

Re: Tenants want to break lease early and is pregnant

They pay the two months. Period.
by Keepcalm
Thu Feb 08, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Loan advice for a friend
Replies: 2
Views: 214

Re: Loan advice for a friend

So let me get this straight...... Your friend wants to save more. So his idea is to take some of his $20k savings and use it up. So he can save more. This is why America can't even pay for a $400 emergency out of savings. I understand that outlook. Just trying to offer him some advice. If he just s...
by Keepcalm
Thu Feb 08, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Loan advice for a friend
Replies: 2
Views: 214

Loan advice for a friend

He purchased a motorcycle while he was living with a girlfriend and they were splitting rent. He now wants to end the relationship however before doing so he wants to free up a little more savings rate than he has now just to be safe. He does not want to get rid of the bike, however something needs ...
by Keepcalm
Wed Feb 07, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on non retirement & retirement accounts
Replies: 16
Views: 683

Re: 75k Cash sitting in wellsfargo

I wouldn't leave $.01 with Wells Fargo. Evil bank.
by Keepcalm
Wed Feb 07, 2018 4:33 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 4005

Jogging in the cold.

I have heard both sides of it and wanted to ask the runners on here what the verdict is on running in colder weather and if its healthy or not.

It is 18* out right now.

Thanks.
by Keepcalm
Tue Feb 06, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 16536

Re: Vanguard site is crashed now?

Fidelity is now down.
by Keepcalm
Tue Feb 06, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Understanding cost basis.
Replies: 6
Views: 451

Re: Understanding cost basis.

Hope all that makes sense
by Keepcalm
Tue Feb 06, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Understanding cost basis.
Replies: 6
Views: 451

Understanding cost basis.

So I sold VOO and VXF a few weeks ago to covert over to VFIAX. Now I only see cost basis for VFIAX which is obviously a loss, however its as if it is not computing my gains from VOO and VXF into it. I had a decent chunk of unrealized gain in both of them that have now become realized when I sold the...
by Keepcalm
Tue Feb 06, 2018 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 48609

Re: Today was a Really Bad Day

I only invest what I can afford to lose and what I will not need for another 20+ years, so I see this situation as more of an opportunity than anything. I'm also 100% equities (domestic). However I know not everyone is 31 and I hope everyone ends up ok on the other end of whatever this is. Times lik...
by Keepcalm
Mon Feb 05, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1448710

Re: U.S. stocks in freefall

Can someone explain to me how VIX is up 115% right now?

So confused.
by Keepcalm
Mon Feb 05, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 254
Views: 227851

Re: A time to EVALUATE your jitters

oldzey wrote:
Mon Feb 05, 2018 3:34 pm
100% stocks anyone? 8-)
I’m 100% and it hurts lol.
by Keepcalm
Mon Feb 05, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3888

Re: Calling it right now.

And here's how they could do it. GE is the leading manufacturer of diesel-electric locomotives, with about 60% market share. When braking, these locomotives reverse the function of the traction motors, which then convert huge amounts of kinetic energy into electricity, something like 700 amps at 60...
by Keepcalm
Mon Feb 05, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3888

Re: Calling it right now.

Keepcalm....I think it is premature to write off GE. They have been around for a long, long time - and have weathered multiple crises. If you are looking to make a quick buck with GE, I would not do that. If you are looking for a long term play (i.e. 20+ years), it is worth considering. My wife rec...
by Keepcalm
Mon Feb 05, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3888

Re: Calling it right now.

Jack FFR1846 wrote:
Mon Feb 05, 2018 11:50 am
Or Polaroid in 2007.
haha. You do know your comparing a camera & film manufacturer to a major manufacturer in aerospace, energy...among many other sectors.
by Keepcalm
Mon Feb 05, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3888

Calling it right now.

Investing in GE today will be like investing in Chipotle back in 2004...or Amazon in the 90's.
by Keepcalm
Mon Feb 05, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Maxed, Have More To Invest
Replies: 5
Views: 747

Roth IRA Maxed, Have More To Invest

So my Roth IRA is already maxed for 2018 and I have spare cash right now I want to invest..just small around 3K. I do not have a 401(k) at work as it is a state job. I do however have a Governmental 457(b) but its an absolute PITA to change my contributions. I would be required to fill out a payroll...
by Keepcalm
Mon Feb 05, 2018 5:45 am
Forum: Personal Consumer Issues
Topic: 3rd Shifters, Seeking Advice.
Replies: 11
Views: 1081

Re: 3rd Shifters, Seeking Advice.

Thanks for all the feedback I will certainly cherry pick some of the recommendations out of these replies. Im going to re-group with this information and stick to a strict schedule for a few months and see if things improve. There are a lot of suggestions in these replies that I have not followed so...
by Keepcalm
Mon Feb 05, 2018 2:08 am
Forum: Personal Consumer Issues
Topic: 3rd Shifters, Seeking Advice.
Replies: 11
Views: 1081

Re: 3rd Shifters, Seeking Advice.

Thanks for the input, however it's pretty alarming the feedback on actually switching back to a normal shift.

From what I'm reading it has actually turned out more difficult than acclimating to 3rd shift in itself?

That alone worries me more than what I'm tackling now.
by Keepcalm
Mon Feb 05, 2018 1:23 am
Forum: Personal Consumer Issues
Topic: 3rd Shifters, Seeking Advice.
Replies: 11
Views: 1081

3rd Shifters, Seeking Advice.

I have been working 11PM-7AM M-F and then I have Saturday, and Sunday night off returning to work Monday night. I began this schedule in May and I have tried to be patient with the acclimation. It is now February and I still feel like all I do when I'm not on shift is sleep. I have tried flip floppi...
by Keepcalm
Sun Feb 04, 2018 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 48609

Re: Today was a Really Bad Day

For my short time in the market this is my biggest loss and its actually relieving because I can now say "Well, I can't pull out now...i'm committed" where as during the rally it was easy to say "well maybe I should use some to pay this or that off" etc.

If this makes sense?
by Keepcalm
Thu Feb 01, 2018 11:59 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8881

Re: Anyone else cashing out on *some* of the crazy earnings?

Someone correct me if I am wrong, but your going to net a loss at the end of this day based on the fact your eating a tax hit to pay off a 0% loan. I would think that the APR on whatever it is you want to payoff would need to equal a greater amount than the taxes you would incur for the transaction ...
by Keepcalm
Tue Jan 30, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1448710

Re: U.S. stocks in freefall

The comical thing about all of this is if Trump sounds confident tonight equities will be right back up tommorow.
by Keepcalm
Mon Jan 29, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Sense of security with ETF's?
Replies: 10
Views: 1092

Re: Sense of security with ETF's?

Boy did I open a can!

It was more of a question than a statement. I was looking for the proper answer and I got it! :mrgreen:
by Keepcalm
Mon Jan 29, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Sense of security with ETF's?
Replies: 10
Views: 1092

Sense of security with ETF's?

If things hit the fan and you ever needed to sell off. For obvious reasons being able to instantly sell off versus being forced waiting until the closing bell.

Thoughts?
by Keepcalm
Mon Jan 29, 2018 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Applying for a different position internally.
Replies: 5
Views: 510

Applying for a different position internally.

I have to ask if this ever creates tension for someone who applies for a different position internally and does not actually get the position so they remain in the same department.
by Keepcalm
Sun Jan 28, 2018 1:27 am
Forum: Personal Consumer Issues
Topic: Dirty Money on Netflix
Replies: 3
Views: 1784

Dirty Money on Netflix

Just putting an interesting documentary series out there for fellow Bogleheads. Just came out over the weekend.

Cheers.
by Keepcalm
Sat Jan 27, 2018 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Take loan off net worth?
Replies: 17
Views: 1241

Take loan off net worth?

So I have a Harley Davidson financed through a local CU. I have absolutely no plans on ever tossing the bike. If this is the case, would it be considered appropriate to delete the liability(loan) and asset (bike value) off of quicken and just categorize the payment each month as an expense versus ho...
by Keepcalm
Sat Jan 27, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: I feel this is a dumb question.
Replies: 3
Views: 1036

Re: I feel this is a dumb question.

moghopper wrote:
Sat Jan 27, 2018 12:43 am
Keepcalm wrote:
Sat Jan 27, 2018 12:37 am
What would I classify my Income Tax Return "inflow" under in Quicken?
Tax:Federal or Tax:State is what I classify it as. It allows me to do this for a payment or a refund.
Perfect, thank you.
by Keepcalm
Sat Jan 27, 2018 12:37 am
Forum: Personal Finance (Not Investing)
Topic: I feel this is a dumb question.
Replies: 3
Views: 1036

I feel this is a dumb question.

What would I classify my Income Tax Return "inflow" under in Quicken? Obviously not Personal Income....so I'm a little confused.

Thanks.
by Keepcalm
Thu Jan 25, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Classifying rent income from a flatmate
Replies: 4
Views: 585

Re: Classifying rent income from a flatmate

I'm not sure the OP cares about US income taxes. Americans tend to say "roommate" while the British say "flatmate" (I'm assuming). But if the OP is focusing on budgeting, I think applying it to the rent so that the OP's rent is half as much, would be the way to go. But on the other hand, I hope tha...
by Keepcalm
Wed Jan 24, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Classifying rent income from a flatmate
Replies: 4
Views: 585

Classifying rent income from a flatmate

When tracking cashflow in excel or quicken etc., would you input rent money received from a flatmate as an Income inflow or would you list is under rent so that is just offsets the category cost of your rent. For example, lets assume your receive $700.00 from your flat mate for rent each month, you ...