Bogleheads.org

TheAccountant

Having been on both sides of the matter, I can see their point. I was happiest with a hybrid approach. WFH one or two days a week, and in the office the remaining days. WFH full-time takes away the sense of camaraderie. Zoom meetings aren't the same as seeing people in person. Office full-time leads...

TheAccountant

I spoke with HR at one of our regional Accounting firms and she said the #1 reason provided why applicants are looking for a new job is that they do not like working from home.

TheAccountant

[Thread merged into here, see below. --admin LadyGeek] I'd be curious to see how everyone's spending habits have changed since the shutdown started. My fuel spending is down. Grocery spending has gone down with the addition of meal delivery once a week (go figure.) $ 0 per month on eating out/enter...

TheAccountant

I’m still employed (industry.) Working remotely full-time and able to perform all of my job duties from home. From what I’ve seen, most firms have put off their hiring due to the uncertainties surrounding the Coronavirus. It seems like a lot of firms/companies are trying to make do with their curren...

TheAccountant

First, I wanted to say that I hope everyone is doing well and is staying safe during these times. One thing I realized during all of this is that I do NOT need all of the space I’m currently living in. Right now I have several acres of land (that has to be mowed and maintained) and a big 2000 square...

TheAccountant

Step 1: government makes pandemic recommendations that cause direct harm to small business Step 2: government offers money to compensate small business owners so they can keep staff employed Step 3: government says AHA! You accepted the money we sent you but you weren’t REALLY uncertain about how m...

TheAccountant

OP I looked at that clause as only taking the loan if you truly need it - meaning that you would’ve needed to take out a loan anyway to keep payroll at its current standing. Most SB owners think this is risk free, “free money.” When I pointed out that the official regs haven’t even been posted yet, ...

TheAccountant

We're about to find out what happens when our government is unable to save a tanking economy. We already found this out in 2008. Actually, QE and lowered interest rates helped bring the economy back in 2008. It worked because of what caused the 2008 recession in the first place. I think this is a b...

TheAccountant

From a financial standpoint, it rarely makes sense to buy a new car because the old one needs repairs. It's more of a convenience thing. You can find a new rack and pinion on Rock Auto for $ 200 and have an independent mechanic install it probably for about that. Then, what's next? How much of an in...

TheAccountant

We're about to find out what happens when our government is unable to save a tanking economy. We already found this out in 2008. Actually, QE and lowered interest rates helped bring the economy back in 2008. It worked because of what caused the 2008 recession in the first place. I think this is a b...

TheAccountant

We're about to find out what happens when our government is unable to save a tanking economy. We already found this out in 2008. Actually, QE and lowered interest rates helped bring the economy back in 2008. It worked because of what caused the 2008 recession in the first place. I think this is a b...

TheAccountant

We're about to find out what happens when our government is unable to save a tanking economy.

TheAccountant

When I wanted a second battery for my lawnmower the battery alone was $200. I was able to buy a blower with the same battery and another charger for $215... Every thread about electric equipment here has a few people claiming that they can't possibly hold a candle to their gas counterparts, that th...

TheAccountant

Without seeing your monthly budget, it's hard to say. Are you in a career field that's recession-proof? How long would it take to find another job in an economic downturn? You said you have 30k as an e-fund. That's pretty big, and if your expenses are low enough then you can probably make that last ...

TheAccountant

When I wanted a second battery for my lawnmower the battery alone was $200. I was able to buy a blower with the same battery and another charger for $215... Every thread about electric equipment here has a few people claiming that they can't possibly hold a candle to their gas counterparts, that th...

TheAccountant

Since the market is going downhill fast... PUN! Why not 29" wheels? You get used to them after a while. I ride a Giant Talon 29er which has everything she's looking for. I can't remember the price but I bought it new and it was under a grand. https://www.giant-bicycles.com/us/bikes-talon-29 It...

TheAccountant

Wet grass, 45 minutes of operating time on a good day? Do yourself a favor and get a nice gas-powered model. Any electric mower that can actually run for almost an hour while cutting wet grass will cost 100x what a comparable gas model would. Either that or you'll need four or five fully charged bat...

TheAccountant

Bit the bullet and looked at my portfolio's (taxable and 401) today. Not quite up to date yet, numbers are from Friday, but it is honestly not as horrible as I thought it would be. I am 70% VTSAX / 15% VXUS / 15% BND. My allocation is still well within IPS parameters. I will rebalance with new mone...

TheAccountant

You need to set some goals, here. Where do you want to be in a year, five years, ten years, from now?

https://www.bogleheads.org/wiki/Managing_a_windfall

Don't just start throwing money in all directions. Be wise with this.

TheAccountant

I traveled out of state a month or so ago and just received a $50 bill in the mail from the city saying a camera caught me turning left on a red light. Is anyone familiar with the legality of having to pay this fee or not? It says on it it bold 'failure to pay this can not affect your credit report...

TheAccountant

I agree with most point except for "checking up on 401k". After today's bloodletting I suggest most people not to check their balance. If you haven't appropriately allocated your stock/bond ratio beforehand, it is already too late and any changes now is usually out of fear. If you're 90 o...

TheAccountant

OK, so I looked at that TSB and the reprogramming is for the idle air learn procedure within the PCM. It looks like the parameters weren't coded right from the factory, hence the need to reprogram. So a PCV swap probably won't fix it. $ 350 is actually quite reasonable, considering you have to drive...

TheAccountant

If it's just turning the CEL off, then a $ 40 code reader from Amazon will work just fine. Unplugging the battery for 30 minutes will also work. I have yet to run into a car where this doesn't reset the MIL. Of course this won't fix the underlying problem causing the CEL in the first place. OP - try...

TheAccountant

Just replace the PCV valve. In fact, you can remove it and test to see if it's working by shaking it. If it doesn't make any noise then it's probably bad. Not sure why you'd have to reprogram the PCM for something like that. Have you checked the appropriate forums for your car? You'll get much bette...

TheAccountant

This isn't really anything new, but I wanted to share in light of current events. Supercharge Your Emergency Fund Make sure you are able to pay for your rent/mortgage, food, utilities, and other necessities for a minimum of six months during a recession. A year is even better. I use a market account...

TheAccountant

If you don't want a loan, and don't have (or want to spend) too much of your cash, then just buy another mechanically sound Camry for the amount that the insurance reimbursed you for the old one.

TheAccountant

What do you do for work? If having a CFA certification is going to help you in your career, then by all means do it. Otherwise, you'd be better off reading some good personal investment books, many of which are mentioned on this forum. I have certifications in my field, and I've found them helpful i...

TheAccountant

Can someone give me a layman’s rundown on how this is supposed to help? In theory, the fed reduces the federal funds rate to make it cheaper for banks to borrow money. Banks then are able to lower their own rates and lend cheaper money to consumers. Think of it as a stimulus package from the fed. L...

TheAccountant

OP, here are some tips for selling your car: 1. Be reasonable. Check KBB, Edmunds TMV, and NADA. Have a range where you'd feel comfortable selling. 2. Weigh your options. What's worse, being upside down on a car for a few years, or selling it now and having a loan that's returning nothing? 3. Make s...

TheAccountant

Sooner or later, the fed is going to learn that they can't keep slashing rates just to keep the economy afloat.

TheAccountant

160k is nothing. Agreed. Quality, modern cars can easily do 250k without exvessive upkeep. Save up and pay cash for it. While the 1% obviously is a great rate and likely less than investment returns. However, if you're buying a car that's within your income and net worth "profile" the opp...

TheAccountant

I’ve played everything from state of the art sets costing thousands of dollars, to old clubs I’ve literally found thrown into the woods. My go-to is a knockoff TaylorMade set I made with my grandfather in the 90s. I don’t know what it is, but I play best with those clubs. Now I do re-grip as needed,...

TheAccountant

I have my own spreadsheet that I use and have developed over the course of several years. It uses daily balances so I never have more $ in checking than necessary. It's stored in the cloud so if I am on vacation or away from home I can still budget. I also calculate NW using my own setup. This is mo...

TheAccountant

I have not received a 1099 from an out of state online school that I taught for in 2019. I have emailed and left voicemails for the people I was given their names to contact. I was a contracted teacher/employee for this online school for about 4 or 5 months. What should be my next action to try to ...

TheAccountant

There are enough arguments on BITOG to make your head spin. Here's what I do instead: 1. Look in owner's manual to determine what spec oil your machine/car/boat requires. 2. Buy cheapest synthetic oil that meets specs found in step 1 Usually Wal-Mart has the cheapest oil. However Advance Auto Parts ...

TheAccountant

Lake Placid. Get a hotel room that overlooks one of the lakes.

TheAccountant

Portfolio wise I don’t do anything other than make sure my asset allocation is in line with my investment goals.

TheAccountant

Everything I mail to the taxing agencies goes via USPS Certified Mail with Return Receipt.

TheAccountant

Don't give fintech startups your money. These companies exist in a Silicon Fairytale Land where money grows on trees and losing billions every year in the name of growth is an acceptable practice. Why would they be concerned if they lose your money? In this case it is the other way around (investor...

TheAccountant

Basically what happened was the margin limit somehow was able to be bypassed. https://robinhood.com/support/articles/360026164112/overview/ Not sure how margin calls are going to work in this case: https://robinhood.com/support/articles/360026463951/margin-calls/ It'll be interesting to see how this...

TheAccountant

IMO the side hustle that'll have the best ROI is taking your day job and turning it into your side hustle.

TheAccountant

My doctor doesn’t charge anything to communicate using email/patient portal. Obviously you don’t want to be the little boy crying wolf and emailing them every week, but when I’ve been genuinely sick I’ve always talked to them through the portal and they never charged me anything. IMO I’d try to fin...

TheAccountant

One of my ski buddies has the Down Sweater. No complaints, and that price on Patagonia's site looks really good for what you get. IIRC my LL Bean jacket cost more than the Patagonia.

TheAccountant

I was in your shoes this week. I found a car I’ve always wanted in great shape and for the right price. I slept on it and looked at it from a numbers perspective. I already own a car that I like, and there’s nothing wrong with it. The purchase price is just a small fraction of what you’ll be spendin...

TheAccountant

UpperNwGuy wrote: ↑Wed Aug 21, 2019 5:27 pm If you’ve been maintaining an asset allocation that matches your risk tolerance, and keeping your emergency fund up to date, then you’re already prepared for whatever the economy might do. No special actions need be taken.

+1.

TheAccountant

IMO I’d try to find a different doctor/practice. $ 150+ just to ask them a question is absurd. I think the OP is using “talk to the doctor” as a euphemism for an office visit. The prices would seem to reflect E&M services of varying complexity. In that case it would make sense to bill the patie...

TheAccountant

My doctor doesn’t charge anything to communicate using email/patient portal. Obviously you don’t want to be the little boy crying wolf and emailing them every week, but when I’ve been genuinely sick I’ve always talked to them through the portal and they never charged me anything. IMO I’d try to find...

TheAccountant

I can send you the budget I used when I was fresh out of college. Of course you’ll have to tailor it to her income and necessary expenses.

TheAccountant

Passed on buying my dream car. Even though I could pay cash and it was a great deal, the car I have now works just fine and i couldn’t bring myself to replace it simply because I wanted to.

TheAccountant

How big is the company you work for?

Are you a full-charge Accountant?

I work for a small tech company and have minimal downtime. An hour a week, if that. I do everything from monthly reconciliations to payroll.

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