Search found 116 matches

by boogiehead
Sun Nov 10, 2019 1:17 am
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4635

Re: How bad business travel is?

One more thing is are you travelling solo or with a team? If you are travelling with a team and you are not the most senior person most likely you will be needing to make some sacrifices (i.e. flight times, hotel chain preferences, favorite cuisines, when to meet in the morning, etc...) so hopefully...
by boogiehead
Thu Oct 31, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Why SHOULDN’T I open an SAT/ACT prep center?
Replies: 29
Views: 3660

Re: Why SHOULDN’T I open an SAT/ACT prep center?

A while ago I was considering moving into teaching, but after some thought, I think opening up my own test prep business might be worth considering too. The initial start up costs are low and I can fund it with cash. Worst case, I lose my initial investment. My projections include actively teaching...
by boogiehead
Wed Oct 16, 2019 1:12 pm
Forum: Personal Investments
Topic: Cash basically sitting uninvested. What to do?
Replies: 40
Views: 3628

Re: Cash basically sitting uninvested. What to do?

Hi All - So I have a significant chunk of cash sitting relatively idle right now (its in an online savings account earning 1.7%). I know I should invest it but basically have been sitting idle with it for, I'm embarrassed to say, about 2 years. I basically missed the current boom with it, but I'm s...
by boogiehead
Sat Oct 12, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make more money with my accounting degree?
Replies: 29
Views: 2975

Re: How do I make more money with my accounting degree?

+1 with getting a cpa, its your best bet on moving up in the accounting world. Also what you are hoping for is unrealistic... if you want higher salary that means you will need to move up to some type of mgmt position acct sup, mgr, controller, cfo, etc.... which also means more responsibility espec...
by boogiehead
Mon Oct 07, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Router for Small Apartment
Replies: 18
Views: 1335

Re: Router for Small Apartment

What frequency are you connecting at 2.4 or 5 (2.4 should be more stable), have you tried changing a broadcast channel? I have a Netgear Nighthawk (R6700) myself and its flakey as well. I've been having to reboot it every few days or else the connection becomes really slowwwww (~10Mbps). I had a TP-...
by boogiehead
Fri Sep 13, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 6402

Re: Whistleblowing / Going Rogue at Work

What is your end-goal in reporting this? Based on that you should see if meeting with the president would help you achieve that goal. On a side note .... believe it or not corporate waste is very prevalent, so I"m not sure the president would be as "shocked" as you think he/she would be. I've seen a...
by boogiehead
Fri Aug 23, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Wedding stuff
Replies: 19
Views: 1946

Re: Wedding stuff

Been to a few of these just make sure you have enough alcohol and everything will work itself out :sharebeer
by boogiehead
Thu Aug 22, 2019 12:20 pm
Forum: Investing - Theory, News & General
Topic: Chinese property bubble?
Replies: 59
Views: 2927

Re: Chinese property bubble?

Interesting ... does anyone know what the property taxes are like?
by boogiehead
Mon Aug 19, 2019 7:13 pm
Forum: Personal Investments
Topic: 23-Year-Old: Question About Portfolio
Replies: 7
Views: 608

Re: 23-Year-Old: Question About Portfolio

1) What are your financial goals?
2) What is your risk tolerance?

After carefully thinking about those.... tweak your plan based on those answers. The 25% stocks to me means you want to hit the home run, but are you ok with striking out?
by boogiehead
Mon Aug 19, 2019 3:24 pm
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 10914

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

I'm also highly skeptical, especially with the comparison to saying a fraud "bigger than Enron". If this ends up being just hyperbole, I really think people that engage in this should face real penalties. This report wiped out billions of dollars all to turn a profit. It sure looks like someone tra...
by boogiehead
Sat Aug 17, 2019 2:44 am
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 10914

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

Fraud is certainly possible, as we saw with Enron, and it is possible to get massive fraud past the auditors. Arthur Anderson signed off on Enron's financial statements and now no longer exists as an auditing firm though the consulting arm of their business lives on. Hard to believe that under thre...
by boogiehead
Thu Aug 15, 2019 6:04 pm
Forum: Personal Investments
Topic: Taxable Investment Portfolio Construction Feedback
Replies: 11
Views: 834

Re: Taxable Investment Portfolio Construction Feedback

The "problem" with your plan, if there is one, is that it is a plan for just one account. It is better to piece your entire portfolio together - all the accounts together - than to just do it account by account. Thanks for the reminder I'm in the process of trying to sort out my Roth/IRA as well si...
by boogiehead
Thu Aug 15, 2019 5:57 pm
Forum: Personal Investments
Topic: Taxable Investment Portfolio Construction Feedback
Replies: 11
Views: 834

Re: Taxable Investment Portfolio Construction Feedback

You have a great plan. There are other plans that are great plans. But, what you have is also a great plan. Have you considered a percentage to REIT's as a diversifier as well? j I actually did.... in my first iteration I had VNQ instead of VB, but from what I've been gathering REIT's aren't tax ef...
by boogiehead
Thu Aug 15, 2019 5:48 pm
Forum: Personal Investments
Topic: Taxable Investment Portfolio Construction Feedback
Replies: 11
Views: 834

Re: Taxable Investment Portfolio Construction Feedback

One can mix DCA and LS. I often read on this forum to Lump Sum 50% and then DCA the remaining 50% in 5% increments over the follow 10 months. And if there is really bad day, then also put one of those 5% increments in. That way, one will be fully invested in 10 months or less. Studies show that LS ...
by boogiehead
Thu Aug 15, 2019 2:37 pm
Forum: Personal Investments
Topic: Taxable Investment Portfolio Construction Feedback
Replies: 11
Views: 834

Re: Taxable Investment Portfolio Construction Feedback

nix4me wrote:
Thu Aug 15, 2019 12:48 pm
Most of those don’t belong in a taxable account.
Recommendations for alternatives?
by boogiehead
Thu Aug 15, 2019 11:48 am
Forum: Personal Investments
Topic: Taxable Investment Portfolio Construction Feedback
Replies: 11
Views: 834

Taxable Investment Portfolio Construction Feedback

I sold my rental property earlier this year and received about 300K from the proceeds. I'm looking to construct a simple efficient taxable portfolio focused on "growth" with the proceeds since I'm about 20 years away from retirement and wanted to get some feedback on the portfolio breakdown below. I...
by boogiehead
Wed Aug 14, 2019 12:57 pm
Forum: Investing - Theory, News & General
Topic: Has anybody bought Wellington,Wellesley,LifeStra and just said the heck with the taxes or is that just dumb in taxable?
Replies: 48
Views: 3322

Re: Has anybody bought Wellington,Wellesley,LifeStra and just said the heck with the taxes or is that just dumb in taxa

Can someone please explain to me why these funds should be avoided in taxable accounts (is it the way the distributions are taxed and I'm assuming only if you are in the higher tax brackets as well)? And would the better alternatives just be low cost index funds such as vtsax? Generally there are t...
by boogiehead
Wed Aug 14, 2019 11:35 am
Forum: Investing - Theory, News & General
Topic: Has anybody bought Wellington,Wellesley,LifeStra and just said the heck with the taxes or is that just dumb in taxable?
Replies: 48
Views: 3322

Re: Has anybody bought Wellington,Wellesley,LifeStra and just said the heck with the taxes or is that just dumb in taxa

Can someone please explain to me why these funds should be avoided in taxable accounts (is it the way the distributions are taxed and I'm assuming only if you are in the higher tax brackets as well)? And would the better alternatives just be low cost index funds such as vtsax?
by boogiehead
Mon Aug 12, 2019 6:11 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17027

Re: Wellesley 56.05% drop today

fru-gal wrote:
Mon Aug 12, 2019 5:57 pm
I see my wellesley and wellington affected. vdigx is okay.

You'd think they'd put a note on the website and a recording on the phone.
+1..... its like the most basic means to calm nerves and reduce the volume of calls, they really need to revamp the IT team :oops:
by boogiehead
Fri Aug 09, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Florida Panhandle recommendations
Replies: 17
Views: 1958

Re: Florida Panhandle recommendations

Used to travel to Destin/Fort Walton Beach annually for work, its a great area, however be aware that during college winter/spring breaks that area becomes a party city so the vibe totally changes for those few weeks for good or bad, depending if you want to partake :sharebeer
by boogiehead
Wed Aug 07, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Real Life Experience. Credit Card Rewards and Transfer Bonus.
Replies: 58
Views: 2995

Re: Real Life Experience. Credit Card Rewards and Transfer Bonus.

So I decided to look into this game a few months ago to see what I could do. Dec 2018. I signed up for two Southwest cards ($99 and $69 annual fee) Jan 2019. Reached 110,000 Southwest points and obtained companion pass (buy one fare with either cash or points and get one fare free). During the next...
by boogiehead
Wed Aug 07, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 13047

Re: Amazon -- no longer the lowest prices, evidently

Amazon no longer needs to compete strictly on price as they have a competitive advantage in terms of their logistics ability. What is more shocking to me is the big price discrepancy of target in-store price vs. their online price. The mark-up for in-store items can be as much as 50% more :annoyed !
by boogiehead
Sun Aug 04, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 63
Views: 5198

Re: Dentist: Is this acceptable?

Sounds exactly like my old dentist (I wonder if your mom is going to the same guy as me :D ). When he first opened up his practice he was always there and would explain everything to me in detail. Fast forward 10 years later after building up his practice, he started cutting back his hours (only ope...
by boogiehead
Thu Jul 11, 2019 10:36 pm
Forum: Personal Investments
Topic: Portfolio Review - Tightening Up - $140K Cash
Replies: 17
Views: 1576

Re: Portfolio Review - Tightening Up - $140K Cash

Use that money towards principal to refi to 15 if u can, no need to mess with cds and stuff.
by boogiehead
Sun Jun 16, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice — asking for the “gray hair perspective”
Replies: 50
Views: 4415

Re: Career advice — asking for the “gray hair perspective”

Grey hair or no hair? :twisted: The writing is on the wall - you are not partner material now, and you are going to get the same song and dance going forward unless by some stroke of genius you land a huge whale of a client that overrides any and all excuses made in the past. If you leave, you are ...
by boogiehead
Tue Jun 11, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3401

Re: Passport photos cheap

Costco... took pic, grabbed and ate my hot dog combo, go back to pickup pics.
by boogiehead
Thu Jun 06, 2019 10:09 pm
Forum: Personal Investments
Topic: Advice for son
Replies: 14
Views: 2134

Re: Advice for son

No one knows the your sons future income or what taxes will be in the future, so to keep it simple I would just roll it into an ira and if he wants tax free in the future tell him to start contributing to a roth ira. Employer contributions are usually treated as IRA.
by boogiehead
Wed Jun 05, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: HOA and Management Company
Replies: 3
Views: 633

Re: HOA and Management Company

Thanks for your input, wanted to try to clarify a few things. It is not uncommon for people to own more than one unit in an HOA - I see zero issues with that. As far as, "I am pretty sure she has some stake in the management company too." Find out for sure before bringing this up. My concern isn't t...
by boogiehead
Mon Jun 03, 2019 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: HOA and Management Company
Replies: 3
Views: 633

HOA and Management Company

This past year I received notice that my HOA is increasing by 15%.... I was shocked when I saw the increase, but never got around questioning it. I started looking into the budget and realized there were two line items that seemed extremely high compared to another condo that I own in the same area ...
by boogiehead
Fri May 31, 2019 1:09 pm
Forum: Personal Investments
Topic: Should I buy a house now in full or do something else with my money?
Replies: 12
Views: 1339

Re: Should I buy a house now in full or do something else with my money?

Do not think of house as a financial investment.... if its the right place where you can see yourself living and enjoying the place say for at least five years or more than I would do it.
by boogiehead
Thu May 30, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Muni Dividend Calcuation
Replies: 1
Views: 197

Muni Dividend Calcuation

Can someone explain to me how muni dividends are calculated. My dividends are paid out to me at the end of every month, but let's say I make a large transaction (i.e. double my shares) a couple days before the dividends are paid out.... I'm assuming it would prorate the dividends, are the dividends ...
by boogiehead
Thu May 23, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Google Tool for coordinating vacation dates between friends?
Replies: 16
Views: 1339

Re: Google Tool for coordinating vacation dates between friends?

I don't understand why having folks send dates that don't work for them isn't acceptable. It kind of seems like you're trying to techno-engineer something that's pretty simple. There are 9 of us and all have different schedules and preferences for where we go, what activities we do, time of the yea...
by boogiehead
Wed May 22, 2019 3:51 pm
Forum: Personal Investments
Topic: Merrill Edge - cash management solutions
Replies: 9
Views: 3393

Re: Merrill Edge - cash management solutions

If you can start with an initial deposit of $100K, you can put the money in Merrill Preferred Deposit, which is FDIC insured and has an interest rate of 2.07%. There is a $100K minimum initial deposit, but you can maintain a balance less than that after the initial deposit. I believe you need to ca...
by boogiehead
Fri May 17, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Churning Credit Cards
Replies: 84
Views: 8765

Re: Churning Credit Cards

I think your a bit late to the game as churning is no longer as easy or lucrative (i.e chase 5/24, shutdown of bluebird, etc....) as it used to be as its gotten more "mainstream".... the real winners nowadays are the bloggers who write about it, but I do still believe in strategically applying for c...
by boogiehead
Thu May 16, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 49335

Re: Selling home- Demanding Buyer (Repairs)

I would not underestimate the value of an over asking cash offer. Even if you paid the 10k for the septic repair you still got more than you hoped for the house. If this buyer walks you will have to disclose the septic non-compliance when you relist since now you are aware if it. Add in the potenti...
by boogiehead
Sun May 12, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 5109

Re: Move out or stay at my parents?

If you don't have debt, a steady income, then its time to move out. Living on your own is the only way that will help you grow as an individual.
by boogiehead
Sat May 04, 2019 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Realistic Comp Increase with Doubling Job Responsibilities
Replies: 37
Views: 2504

Re: Realistic Comp Increase with Doubling Job Responsibilities

I'm in a fortunate position where I will be significantly expanding my responsibilities. I currently have 1 direct report, and will be absorbing responsibilities of one of my counterparts who has a team of 3 directs (manager of that team is moving to another group). I'm excited about the opportunit...
by boogiehead
Fri May 03, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Technological literacy skills sought after by employers/possible job change
Replies: 26
Views: 2281

Re: Technological literacy skills sought after by employers/possible job change

Maybe I should just get Excel for Dummies (or the equivalent). Or perhaps YouTube is a good start. I am also going to have to get Excel on my home computer somehow (it's a Mac). I figured I need to do this on my time and days off since I really don't use Excel in my day-to-day work. I am still thin...
by boogiehead
Thu May 02, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 6900

Re: Giving two week's notice before stock options vest

Post by investingdad » Thu May 02, 2019 12:04 pm Give 2 weeks notice day after they vest, if they walk you out, perfect. Take all the vacation you have immediately after giving notice. Start new job on time. This This sounds good in theory, but I believe most companies would fire you on the spot if...
by boogiehead
Thu May 02, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 6900

Re: Giving two week's notice before stock options vest

At my previous Company if it was known you were jumping to a competitor they will just let you go the same day. So if you were to give them 2 weeks what you can do is tell them is you are leaving for personal reasons and DO NOT tell them that you already have another job lined up.
by boogiehead
Tue Apr 23, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Navigating the Appraisal and Inspection as a Seller
Replies: 36
Views: 2064

Re: Navigating the Appraisal and Inspection as a Seller

I have learned a ton on this forum and have benefitted greatly from advice in the past, so here we go again.... I am helping an 80 year old relative sell her home, as she has recently moved to a senior apartment. The home was built in the 50's, and has had little updating over those years. It has n...
by boogiehead
Tue Apr 23, 2019 3:38 pm
Forum: Personal Investments
Topic: Understanding Fixed Income Options
Replies: 5
Views: 450

Re: Understanding Fixed Income Options

inbox788 wrote:
Tue Apr 23, 2019 2:47 pm
What kind of ladder? CDs might get you a little more, but are more complicated than simply savings account or MM as mentioned above.
I was looking at like a 3, 6, 9 month CD, however the yields are basically all the same at this time, so I think I'll go with the stated simple MM account idea.
by boogiehead
Tue Apr 23, 2019 3:37 pm
Forum: Personal Investments
Topic: Understanding Fixed Income Options
Replies: 5
Views: 450

Re: Understanding Fixed Income Options

Some simple money market funds from Vanguard have the following reported 7-day SEC yields: 2.44% VMMXX Vanguard Prime Money Market 2.35% VMFXX Vanguard Federal Money Market And Ally savings account: 2.20% APY What do you see for the CDs that you are thinking about? And CDs are more complicated than...
by boogiehead
Tue Apr 23, 2019 1:58 pm
Forum: Personal Investments
Topic: Understanding Fixed Income Options
Replies: 5
Views: 450

Understanding Fixed Income Options

I just recently sold my rental property so I got a windfall about $200,000. I'm in the process of coming up with a plan on how to invest the proceeds (1 year time frame or so), but right now I'm just thinking about doing a simple CD ladder, however I know there are other fixed income options (i.e. t...
by boogiehead
Tue Apr 16, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Japan Travel Suggestions
Replies: 23
Views: 1526

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 boogiehead
Thu Apr 11, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Unique Hit and Run Situation
Replies: 40
Views: 4914

Unique Hit and Run Situation

My dad was in the parking lot and his car got side swiped by a hit and run driver. A nearby shop owner saw the car and license plate so we reported to our insurance. It was an elderly lady who had a special handicap license plate where they have "DP" designation in California. When we reported to th...
by boogiehead
Wed Apr 10, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Not much work at new megacorp job
Replies: 70
Views: 6129

Re: Not much work at new megacorp job

I would never tell him I hardly have any work. I send him a monthly report with all my activities and time spent on them. I pad the numbers and I am sure he knows. But he has never asked me to fill my time with more responsibilities... Honesty is a good policy. Consider telling him the truth. I tri...
by boogiehead
Tue Apr 09, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Not much work at new megacorp job
Replies: 70
Views: 6129

Re: Not much work at new megacorp job

There are pros and cons in every job.... based on what you wrote there is basically only one con.... not a lot of work. Sounds like as good as it gets so no need to do anything drastic. Do a side gig, hone your skills by studying for certs, attend trainings and conferences to continue learning and n...
by boogiehead
Fri Apr 05, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 21996

Re: Talk me in/out of $35k Tesla Model 3

how are your tires lasting? BMW put very odd sized tires on it and some have reported that the cost per mile of tires is a lot higher than it should be, like, $1000 for a set every 20k miles (5 cents a mile in tires, which is a lot for a small car) Mine are doing OK but I could see needing replacem...
by boogiehead
Wed Apr 03, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations for Rent v Buying for 4-year stay
Replies: 16
Views: 1426

Re: Considerations for Rent v Buying for 4-year stay

Another side point, other than buying at the bottom of the market, under what sort of conditions would it be wise to buy for a stay of 4-5 years? If you were a real estate agent, super handy with fixing stuff, its near bottom of the market, amazon has just announced that they will building hq3 in t...