Search found 2326 matches

by DrGoogle2017
Fri Apr 19, 2019 11:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143940

Re: What Movie Have You Recently Watched?

Dirty Harry. I finally get to watch this movie.
by DrGoogle2017
Fri Apr 19, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: Optimizing credit card airline points
Replies: 39
Views: 1160

Re: Optimizing credit card airline points

However, I am interested in using points to upgrade to Business and First Class, so... Isn't the task of pursuing upgrades (using points) from coach different from the task of pursuing business and first tickets (using points directly)? I don’t know, but if anyone can weigh in on the issue that wou...
by DrGoogle2017
Fri Apr 19, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Optimizing credit card airline points
Replies: 39
Views: 1160

Re: Optimizing credit card airline points

I am a retired airline employee married to another retired airline employee. We formerly used each of our airline's credit cards. We dropped them both some years ago as redeeming points became increasingly difficult. My observations: Points are currency. Their value fluctuates. Generally, their val...
by DrGoogle2017
Fri Apr 19, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 2753

Re: The reality of borrowing from your 401k for home mortgage

Right, that’s very recently too. Note it’s 2018. Note it also contradicts what you originally said, and what I originally replied to. I think if you change job, you have to pay back right away and pay tax and early withdrawal fee . That’s the downside. It depends on the plan. Back in the 80s, borro...
by DrGoogle2017
Fri Apr 19, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: Optimizing credit card airline points
Replies: 39
Views: 1160

Re: Optimizing credit card airline points

I am a retired airline employee married to another retired airline employee. We formerly used each of our airline's credit cards. We dropped them both some years ago as redeeming points became increasingly difficult. My observations: Points are currency. Their value fluctuates. Generally, their val...
by DrGoogle2017
Fri Apr 19, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 27
Views: 1415

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

The best is yet to come for most exciting, but I have enjoyed all of our travelling so far. But my favorite so far is swimming with the sharks in Moorea and snorkeling in the deep water near Tahiti, the fish were of vivid colors. Beats snorkeling in Hawaii by a mile.
by DrGoogle2017
Fri Apr 19, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Optimizing credit card airline points
Replies: 39
Views: 1160

Re: Optimizing credit card airline points

I found first class one way ticket to Japan on JAL on British Airways website, they also partner with Qantas I believe. I just create account on all these airlines and play around with them. That’s when I discovered some frequent flyer programs actually waitlist seats. I’m not playing with waitlist.
by DrGoogle2017
Fri Apr 19, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 2753

Re: The reality of borrowing from your 401k for home mortgage

This link also confirms my comment. https://www.thebalance.com/facts-about-401k-loans-2388811 From the source you posted: The 2018 Tax Credit and Jobs Act (TCJA) extended the repayment deadline from 60 days to the day your federal income tax return is due. ............. If the loan is not repaid ac...
by DrGoogle2017
Fri Apr 19, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 56
Views: 1773

Re: How far would you commute?

If it’s not for the Great Recession, it would be 30 minutes to 1 hour, door to door, in rush hour traffic.
by DrGoogle2017
Fri Apr 19, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 46
Views: 3228

Re: Gardening 2019

The peony plant that I bought from Costco has about 13-14 flower buds, last year it only had 2 flower buds. Talk about dividends and compound interest. It will bloom around Mother’s day and I will cut some to bring to my mother’s grave. It’s worth about $20 a stem here if you can get it.
by DrGoogle2017
Fri Apr 19, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 781
Views: 76187

Re: What frugal thing did you do today?

Fresh squeezed orange juice for 60c a glass. Delicious especially after free and frugal work out.
by DrGoogle2017
Fri Apr 19, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 62
Views: 1886

Re: At what point would you hire someone vs. cut down a tree yourself?

It depends on the age, we don’t do chainsaw and ladder anymore.
by DrGoogle2017
Fri Apr 19, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 2753

Re: The reality of borrowing from your 401k for home mortgage

I think if you change job, you have to pay back right away and pay tax and early withdrawal fee. Every “401k loan yes/no” thread has someone making this statement and it’s misleading. Worst case, you have until the following tax filing date (including extension). However, depending on the plan set ...
by DrGoogle2017
Fri Apr 19, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 2753

Re: The reality of borrowing from your 401k for home mortgage

I think if you change job, you have to pay back right away and pay tax and early withdrawal fee. That’s the downside. I’m not sure why renting at this age is not a better option.
by DrGoogle2017
Fri Apr 19, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 52
Views: 2241

Re: College admission inputs - Purdue vs local SJSU vs others

If your kid is interested in research opportunities - Purdue. If he is never going to get into research and only getting jobs in the Bay Area - SJSU Exactly. "Social mobility", the proportion of students accepted who are "underprivileged", is a much greater factor than career opportunities or start...
by DrGoogle2017
Fri Apr 19, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 52
Views: 2241

Re: College admission inputs - Purdue vs local SJSU vs others

If your kid is interested in research opportunities - Purdue. If he is never going to get into research and only getting jobs in the Bay Area - SJSU Exactly. "Social mobility", the proportion of students accepted who are "underprivileged", is a much greater factor than career opportunities or start...
by DrGoogle2017
Fri Apr 19, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 83
Views: 5242

Re: After financial independence, do you play credit card bonus games?

Really good discussion topic. Thanks for posting. Yes, I do for miles and hotel points but with some basic groundrules: I never pay an annual fee or interest or late payment penalty. I used to have this rule too but realized it was a bit shortsighted. The two cards I keep despite the annual fee are...
by DrGoogle2017
Thu Apr 18, 2019 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing
Replies: 16
Views: 952

Re: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing

southerndoc wrote:
Thu Apr 18, 2019 10:57 pm
DrGoogle2017 wrote:
Thu Apr 18, 2019 10:50 pm
I got an EIN for my husband Solo 401k. You can use the old EIN if you already have one.
What are the benefits of getting a separate EIN for a plan?
I don’t know, but my husband doesn’t have one at the time. In your case, I see no benefits.
by DrGoogle2017
Thu Apr 18, 2019 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665316

Re: What's Your Credit Card Rewards Strategy?

I don’t have any Chase Sapphire card yet. I’ve read that if you open a checking account with $75,000 deposit, I get 60,000 points bonus on top of the 60,000 points bonus of opening a Chase Sapphire card. Do I have to close the old checking account that I have there with a small balance before openin...
by DrGoogle2017
Thu Apr 18, 2019 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing
Replies: 16
Views: 952

Re: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing

I got an EIN for my husband Solo 401k. You can use the old EIN if you already have one.
by DrGoogle2017
Thu Apr 18, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 781
Views: 76187

Re: What frugal thing did you do today?

We were about to call somebody to fix our fireplace, one thing my husband refused to fix, he said it might be dangerous at his age, the fireplace could explode or something. But before we called, I suggested that he just turned it on and treasure enough it worked. No money has to be spent.
by DrGoogle2017
Thu Apr 18, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 52
Views: 2241

Re: College admission inputs - Purdue vs local SJSU vs others

I like SJSU too. I’ve interviewed with a lot of Purdue grads too. If this were my kid, I would submit my deposit to SJSU. Purdue is not a class above. But I agree about the college experience, but more Midwest. My daughter got $10k per year scholarship from Purdue but it’s still too high for her fi...
by DrGoogle2017
Thu Apr 18, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start spending more and saving less?
Replies: 76
Views: 4372

Re: When did you start spending more and saving less?

Retirement and when my husband and I were both unemployed.
by DrGoogle2017
Thu Apr 18, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5168

Re: Bogleheads privacy warning

I have an expensive and extensive Bond and Clint Eastwood movie collection, all blue rays. Now I’m worried.
by DrGoogle2017
Thu Apr 18, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 52
Views: 2241

Re: College admission inputs - Purdue vs local SJSU vs others

I like SJSU too. I’ve interviewed with a lot of Purdue grads too. If this were my kid, I would submit my deposit to SJSU. Purdue is not a class above. But I agree about the college experience, but more Midwest. My daughter got $10k per year scholarship from Purdue but it’s still too high for her fin...
by DrGoogle2017
Wed Apr 17, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3372

Re: Do you pick up after renting a vacation rental?

My husband and I usually make it presentable, all dishes are washed, we wipe the stove top, take out the trash. We don’t leave the place in a mess, but not super clean either.
by DrGoogle2017
Wed Apr 17, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9621

Re: seriously thinking about leaving S. CA but where to?

Coast of Spain. Very low crime, very low COL, great weather, great health care, no natural disasters. And it's not part of the US, but its practically part of the UK - there are English-speaking towns, English newspaper, English radio. Plus, Barcelona has two low-cost airlines with direct flights t...
by DrGoogle2017
Wed Apr 17, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9621

Re: seriously thinking about leaving S. CA but where to?

Coast of Spain. Very low crime, very low COL, great weather, great health care, no natural disasters. And it's not part of the US, but its practically part of the UK - there are English-speaking towns, English newspaper, English radio. Plus, Barcelona has two low-cost airlines with direct flights t...
by DrGoogle2017
Wed Apr 17, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Japan Travel Suggestions
Replies: 23
Views: 1240

Re: Japan Travel Suggestions

Ok, no Disney then. Has anybody got any experience with regards to pearls shopping down in the factory. My mom went to Japan in the early 70s, she did go to a pearls factory and purchased.
by DrGoogle2017
Tue Apr 16, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2932

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

No, she was already graduated from law school. An associate is a position at a firm. Most first and second year associates, i.e. first year and second year attorneys at big law firms, are given truckloads of mundane work. Those who survive move up, others burn out from the work and go to lesser fir...
by DrGoogle2017
Tue Apr 16, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2932

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

I’m not poo pooing a STEM degree. I think it’s wonderful if you are smart enough to make it. I happen to believe that for people who can get into the top schools in the country (and Berkeley, Michigan, UCLA are top schools) you will likely be somewhat successful in whatever path you choose. But not...
by DrGoogle2017
Tue Apr 16, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Japan Travel Suggestions
Replies: 23
Views: 1240

Re: Japan Travel Suggestions

Is it worth going to Disney there. I’m not a Disney fan, but I figure maybe I should try to open my eyes about something, might as well visit the place once I’m there. Just mulling. Yes/No, if your not going with kids I suggest you only visit Disney Sea which is quite different from Disneyland and ...
by DrGoogle2017
Tue Apr 16, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Japan Travel Suggestions
Replies: 23
Views: 1240

Re: Japan Travel Suggestions

No cherry blossoms in Feb. Not full bloom, and we don’t want full bloom. But this link says Okinawa for Jan and Feb. https://www.japanspecialist.co.uk/travel-tips/hanami-cherry-blossom-viewing/ You do know that Okinawa is an island a few hundred miles south of the southernmost part of mainland Japa...
by DrGoogle2017
Tue Apr 16, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Japan Travel Suggestions
Replies: 23
Views: 1240

Re: Japan Travel Suggestions

krafty81 wrote:
Tue Apr 16, 2019 4:46 pm
No cherry blossoms in Feb.
Not full bloom, and we don’t want full bloom. But this link says Okinawa for Jan and Feb.

https://www.japanspecialist.co.uk/trave ... m-viewing/
by DrGoogle2017
Tue Apr 16, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2932

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

I’m not poo pooing a STEM degree. I think it’s wonderful if you are smart enough to make it. I happen to believe that for people who can get into the top schools in the country (and Berkeley, Michigan, UCLA are top schools) you will likely be somewhat successful in whatever path you choose. But not...
by DrGoogle2017
Tue Apr 16, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9621

Re: seriously thinking about leaving S. CA but where to?

Your requirements lead you back to where you are. I'm in SoCal too. Till death do us part. The climate here can't be beat. Me too. Plus somebody mentioned PHX, a few years back I booked to go from SNA to PHX to Hawaii, I was hoping to avoid the LAX traffic. Then the heat turned hottest during the s...
by DrGoogle2017
Tue Apr 16, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9621

Re: seriously thinking about leaving S. CA but where to?

My neighbor just moved back from Texas, they said they didn’t like it there. What part? Texas is equal to multiple states....west Texas, Dallas Fort worth, Houston, Austin Area? That's like say my friend got back from the East Coast and didn't like it. Who knows, he told my husband he moved from Te...
by DrGoogle2017
Tue Apr 16, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2932

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

I’m not poo pooing a STEM degree. I think it’s wonderful if you are smart enough to make it. I happen to believe that for people who can get into the top schools in the country (and Berkeley, Michigan, UCLA are top schools) you will likely be somewhat successful in whatever path you choose. But not...
by DrGoogle2017
Tue Apr 16, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143940

Re: What Movie Have You Recently Watched?

Unforgiving, another Clint Eastwood movie. I definitely like the cinematography better here. You probably mean "Unforgiven" and yeah, it's a great one: https://www.imdb.com/title/tt0105695/ Yes, that’s the one. It tends to autocorrect to something I didn’t write. And it was late. I didn’t check it....
by DrGoogle2017
Tue Apr 16, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2932

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

I don’t know how much I’d be making now. I suppose it would depend on the school I received the engineering degree from and the career path chosen. I see plenty of posts on this website from rank and file individual contributors in STEM fields that are older than me and make less than me. I also se...
by DrGoogle2017
Tue Apr 16, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6245

Re: What is your hobby and how did it come to be your hobby?

Gardening - when my kids were a baby, I need something to keep me occupying while they were asleep. I didn’t watch tv, between reading newspaper, I also did some gardening. Painting - I always like to take classes in arts, my kids were younger it was ceramics, now it’s painting. It meshes well with ...
by DrGoogle2017
Tue Apr 16, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143940

Re: What Movie Have You Recently Watched?

Unforgiving, another Clint Eastwood movie. I definitely like the cinematography better here. You probably mean "Unforgiven" and yeah, it's a great one: https://www.imdb.com/title/tt0105695/ Yes, that’s the one. It tends to autocorrect to something I didn’t write. And it was late. I didn’t check it.
by DrGoogle2017
Tue Apr 16, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5839

Re: What defines "income" on a retiree's credit card application?

BOGLEHEAD ACCUSED OF BANK FRAUD (name) was indicted for bank fraud. The indictment alleged that he reported an income of $100,000 on a credit card application, when in fact his income was $101,875. He also neglected to include interest income of $45. Even worse, he reported dividend income of appro...
by DrGoogle2017
Tue Apr 16, 2019 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5839

Re: What defines "income" on a retiree's credit card application?

I usually just put 100,000$ Or maybe sometimes I put 200,000. I figure my real income is none of their business and I am giving an underestimation. What about using your expenses? Your income exceeds that. Or the amount you deposit into your bank account each year? As long as you are not being frau...
by DrGoogle2017
Tue Apr 16, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 83
Views: 5242

Re: After financial independence, do you play credit card bonus games?

You have to be organized. I mark the date I need to cancel. The one I’m going to keep, I know ahead. The spending has to be within 3 months otherwise you don’t get the bonus.
by DrGoogle2017
Tue Apr 16, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Japan Travel Suggestions
Replies: 23
Views: 1240

Re: Japan Travel Suggestions

Is it worth going to Disney there. I’m not a Disney fan, but I figure maybe I should try to open my eyes about something, might as well visit the place once I’m there. Just mulling.
by DrGoogle2017
Tue Apr 16, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 83
Views: 5242

Re: After financial independence, do you play credit card bonus games?

Why wait until financial independence? I was wondering if people with financial independence might no longer be interested in such small amounts of money. I still pick up pennies (if they don’t look too dirty) Basically, miles/points allow me to buy better travel experiences than I would otherwise ...
by DrGoogle2017
Tue Apr 16, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2932

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

I have a degree in history and a minor in music. I managed to get a job graduating in spring 2008 making $50k and I make triple that now. While the minor was just for fun, the utility of the history degree has been high in my industry job and most employers have been receptive to it. You’d be surpr...