Bogleheads.org

In line with most recs, new drywall will really suck in the first coat of what is applied. You will be much happier using a dedicated primer, then following that up with paint.

The pension is fairly irrelevant to the doubts OP was addressing with his OP. If he didn't have the pension, that $11k would just be saved elsewhere. No if he didn't have a pension, half that 11k would be going into SS and not savings. We need someone living in that area with a normal job paying 12...

I think this gives a few ways of looking at it that may help you determine what is best for you:

https://earlyretirementnow.com/2017/04/05/savings-rate/

max the 401k and use the tax savings on that vs. not getting the tax break to pay some toward the student loans. E.g. effective tax rate * 17,000 = portion paid toward loans. Win win.

always best for a parent to raise their kids I personally don't understand the mentality of staying at home parents. It might be my upbringing. Growing up I have almost never seen such thing, actually there was a neighbor with a SAHM and my mother told be explicitly not to play with him because wha...

I've been using double-entry bookkeeping for my personal finances for 40 years. One problem that I have is using book value instead of market value for assets. If I have a mutual fund purchased for $100k that now has a market value of $500k it seems that I am understating my net worth to list it at...

I just had a three way bidding war between three different FAANG. Slightly fudging the numbers for anonymity, but 230k base, 20% annual bonus, 45k sign on bonus, and 1.2 million dollar stock grant vesting over four years. I'm still not the highest paid person I know. Those numbers mean absolutely n...

The idea that you need income equal to 30% of your home’s value to retire is completely unsupported. And the implication is that if you voluntarily move to a cheaper house that you’ll suddenly stop shopping at Whole Foods and switch to a Walmart superstore. People don’t live that way. The article d...

Now that it seems you have gathered the appropriate responses for the minivan, might I also suggest looking into whether your wife can contribute to a 457b plan as well? Interesting point about the sliding doors on the minivan, I will be having this decision soon so was following this thread closely...

If they want you back, they are either willing to pay the price or they are not. Ask them for 2x salary, maybe they meet you at 1.5x, otherwise, sounds like the play is to stay in the current spot.

I would call via phone, but not feel bad at all. You always have to look out for yourself. Companies exist to made money, not to help you. Always take your best option.

Like Old Irving Park as well. Very short commute if you take the Metra in. Lived there while interning in college, and was still able to have plenty of fun. Sure, it wasn't Lakeview, where I lived another summer when I was there, but it was still plenty fun and easy to navigate.

Agree with 55andout.

Also, in terms of assurance, a review doesn't even come close to an audit.

Do be sure to read through the Engagement Letter/Scope of Work, as it should detail EXACTLY what is and is not covered.

FWIW, there are plenty of funds out there that can and have historically beat the returns of the market (depends which benchmark you refer to), but the chance of a FA doing that - slim to none.

You should primarily pay attention to issues with the plumbing, sewage, and electrical systems. I would insist that those systems be brought up to code, if they aren't already code compliant, as part of a sale, or I would not buy the house. You should also have the inspector look for asbestos and l...

Curious if your 401k is through Fidelity? I worked at a large company that had theirs through Fidelity. Initially, all the investment options were standard mutual funds, but, in an effort to lower the fees, the 40 act funds were replaced with the comingled pool equivalents for our plan, which see mu...

When I shopped online, I found that the title insurance I purchased was actually lower than online quotes and in line with the applicable government mandated rates for my state, which were based on the sale price of the property. Zero room for negotiation, unless you wanted to pay more to an online ...

For a few months now I have suspected that I am being underpaid and decided to do some interviews. I have received 2 offers above my current salary; the first I turned down due to having to relocate for it, but the second is local and only about a 5 more minute commute. The pay is $20k more than I ...

Here is the philoosphy as intended to be applied to investing in stock and bond mutual funds. Item by item what could be badly wrong about any of those? It isn't enough that one find something that could GO wrong; the question is what could BE wrong. BH is not a philosophy for life in general and a...

Name: Maximum Volatility

Longs
AEROHIVE NETWORKS INC HIVE
CALAVO GROWERS INC CVGW
EXTREME NETWORKS INC EXTR

Shorts
GENERAL ELECTRIC CO GE
TESLA INC TSLA
ALNYLAM PHARMACEUTICALS ALNY

Another thought - Interview a few places just for practice then try to get something you actually want after you are fine tuned (assume at same place for 5 years you have not done interviewing recently?) Use this to practice negotiating salary...you may be shocked to see how much more you can get an...

Nothing wrong with offering super low, even if the seller did get offended, they would probably get over it pretty quickly if any subsequent offers you made became their highest offer.

Jack Bogle’s 5 bold investment predictions for 2018 and beyond. Article on CNBC https://www.cnbc.com/2017/11/20/jack-bogles-5-bold-investment-predictions-for-2018-and-beyond.html YouTube Video interview. https://www.youtube.com/watch?v=KZWX38OG9iE Jack Bogle says the American market is a proxy for ...

I have a great boss who is as lenient as you can be with time as one would hope working an 8-5 job. Are you saying that your boss has no problem with you working more hours than would normally be expected in order that you can demonstrate your eagerness and desire to learn and increase your value t...

Some thoughts as a CPA: I did public for a few years and was top rated. IMO if you can handle the hours there is no other job in the world where you can be completely average (or even below average) at your job and continue to get rapidly promoted with high raises each year. That being said, if you ...

Yes there is a risk - depending on what you are invested in if the portfolio manager leaves the firm then you risk an outflow of assets to follow them forcing the fund to harvest positions prematurely. Granted, in an index fund the impact would likely be slim to none but there have been funds that h...