Search found 162 matches

by FireHorse
Wed Nov 13, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4112
Views: 1173582

Re: What Book Are You Currently Reading? Part VI

I am currently reading "My sister's keeper" by Jodi Picoult.
An emotional book to read, I often have to put down and walk away.
They made it to the movie but I rather read the book, may be someday in the future I will watch the movie.
by FireHorse
Mon Nov 11, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?
Replies: 49
Views: 6969

Re: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?

He may be able to make it work in the next 50 years if his expenses are unchanged. But life is more than just FI when you are at 34 yr old. At this age, people have desires, interests and beliefs...etc. He can quit the job he hates and find one that he likes and keep himself in the loop of people in...
by FireHorse
Sat Nov 09, 2019 10:43 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1027
Views: 138995

Re: Milestone #2 250K

That's awesome! Congratulations!!
The market up and down, no one knows how tomorrow will be but keep invested, the power of compounding is tremendous!!!
by FireHorse
Mon Nov 04, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Keep or Sell or Rent my house (Seattle suburb)? Health Issues and Targeting FI in ~10 years
Replies: 15
Views: 1952

Re: Keep or Sell or Rent my house (Seattle suburb)? Health Issues and Targeting FI in ~10 years

Nate79 wrote:
Sun Nov 03, 2019 9:13 pm
Sounds like a horrible rental with pitiful returns. I would sell in a heartbeat, especially to get the homeowners capital gain exclusion.
+1
by FireHorse
Mon Oct 28, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Is this new to engineering job hunting?
Replies: 33
Views: 4243

Re: Is this new to engineering job hunting?

THANK YOU all for your comments and suggestions. With your help, I have concluded that my son's company is an isolated case, the rest of the country are still pretty much the same as usual. I have forwarded all of your comments and suggestions to him, it is eye opening for him to see that the rest o...
by FireHorse
Sun Oct 27, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Is this new to engineering job hunting?
Replies: 33
Views: 4243

Re: Is this new to engineering job hunting?

My son was graduated as an electrical engineer/minor in mathematics this past spring and was able to obtain a job right away at where he was interned, but its an intern job not a full time. He discovered that many engineers he works with are consultants, afew of them left the company and afew of ne...
by FireHorse
Sun Oct 27, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Is this new to engineering job hunting?
Replies: 33
Views: 4243

Re: Is this new to engineering job hunting?

Thanks for all the replays and encouragement. He just recently starting to looking for jobs. I guess his patient has ran out. His grade average is 3.0 with major in electrical engineering/minor in mathematics, could also in computer science but school only allow him to take credit on one class as mi...
by FireHorse
Sun Oct 27, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Is this new to engineering job hunting?
Replies: 33
Views: 4243

Is this new to engineering job hunting?

My son was graduated as an electrical engineer/minor in mathematics this past spring and was able to obtain a job right away at where he was interned, but its an intern job not a full time. He discovered that many engineers he works with are consultants, afew of them left the company and afew of new...
by FireHorse
Fri Oct 25, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: I no longer plan on retiring early
Replies: 110
Views: 15124

Re: I no longer plan on retiring early

It's a good plan only if it works for you :happy
by FireHorse
Wed Oct 23, 2019 8:54 am
Forum: Personal Investments
Topic: How do you get over an investing mistake?
Replies: 42
Views: 2053

Re: How do you get over an investing mistake?

Focus on half glass full instead of empty
by FireHorse
Fri Sep 20, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Parents portion of college loan
Replies: 8
Views: 809

Re: Parents portion of college loan

I would pay it off at once. your age and retirement fund are beyond to deal with the interest for 4 years.
by FireHorse
Wed Sep 18, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 3936

Re: Vacation ideas for February

If I stay in San Juan, Puerto Rico for a month of February, should I stay in hotel or airbnb? What is the price range? Would I be bored for a while month in San juan?
by FireHorse
Tue Sep 17, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Renting while working, buying at retirement?
Replies: 12
Views: 1402

Re: Renting while working, buying at retirement?

It is true that owning a house can create a lot of work and expenses, it can be stressful at times. NJ - high tax and bitterly cold winter, if heat system broke down in the winter, be prepared to handing out big dollar to get fixed. Some people consider house as an investment, but now a days that th...
by FireHorse
Tue Sep 17, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4725

Re: Seasoned retirees...

Every things free wrote:
Tue Sep 17, 2019 7:13 am
I'm with Dan Mahowny,
Find two hobbies: One to make you money.
One to keep you in shape.
+1000
by FireHorse
Tue Sep 17, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 3936

Re: Vacation ideas for February

poker27 wrote:
Tue Sep 17, 2019 8:44 am
I went to Puerto Rico last year for the first time, and am considering another trip this January. Awesome beaches, fairly inexpensive, no customs, and a super interesting town of San Juan.
How long were you there? where did you stay?
by FireHorse
Thu Sep 12, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1971
Views: 203478

Re: U.S. stocks continue to soar!

The stock market is going to touching the new high again, why are people still talking about recession?
Just don't make sense :annoyed
by FireHorse
Wed Sep 11, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4112
Views: 1173582

Re: What Book Are You Currently Reading? Part VI

Just finished reading The Collectors by David Baldacci.

Starting to read the Other Woman by Daniel Silva
by FireHorse
Tue Sep 10, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Frustrated with Vanguard advisory service] Procedures on Death of a Spouse
Replies: 47
Views: 4845

Re: Vanguard Insane (?) Procedures on Death of a Spouse

Wow, it certainly makes you rethink of Vanguard in a very different way

So sorry for your loss and hope you can help your mom get through this
by FireHorse
Tue Sep 10, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can this girl "go wild?"
Replies: 33
Views: 5257

Re: Can this girl "go wild?"

Yes, you can go wild; but you still need to keep tracking your expenses.
One can have a party and enjoy the party but don't want to be blinded in the party
by FireHorse
Sat Sep 07, 2019 11:14 am
Forum: Personal Investments
Topic: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF
Replies: 8
Views: 698

Re: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF

Is this logically different from a company holding shares of itself in its treasury? Hmm...you may have a point there, at least in an abstract sense. I'm not sure it's exactly the same, but I do see a sort of self-referential aspect to that too. But again...just 2 shares...why even bother? Exactly,...
by FireHorse
Fri Sep 06, 2019 8:47 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: 129
Views: 12914

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

Retired the fall of last year. Since then we have travelled to China, Japan and Hawaii, very exciting indeed!
by FireHorse
Fri Sep 06, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Hotel recommendation for Cambridge / Boston
Replies: 53
Views: 2920

Re: Hotel recommendation for Cambridge / Boston

wilked wrote:
Fri Sep 06, 2019 12:05 pm
https://abnb.me/yfMkeBABLZ

Oct 3/4/5

Less than $500 for 2 nights. Great location.
Wow....superrr....
Thanks! I will take a look at this
by FireHorse
Fri Sep 06, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Hotel recommendation for Cambridge / Boston
Replies: 53
Views: 2920

Re: Hotel recommendation for Cambridge / Boston

Let's say you save $200/night That location is not walkable to anything of interest, so it's a place to rest your head and regroup. It depends what you are looking for. Let's say you do that, and then you pack a small backpack, collectively take an Uber into Boston (say $25), hang out in Boston all...
by FireHorse
Fri Sep 06, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Hotel recommendation for Cambridge / Boston
Replies: 53
Views: 2920

Re: Hotel recommendation for Cambridge / Boston

If stays in Newton that would be much less the price than Boston or Cambridge. I ran a map from Newton to Boston Chinatown, its about 21min; and to Harvard square is about 26min. That's doable, especially the hotel price is so much cheaper. I am thinking of going to Boston in the beginning or mid O...
by FireHorse
Fri Sep 06, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Hotel recommendation for Cambridge / Boston
Replies: 53
Views: 2920

Re: Hotel recommendation for Cambridge / Boston

If stays in Newton that would be much less the price than Boston or Cambridge. I ran a map from Newton to Boston Chinatown, its about 21min; and to Harvard square is about 26min. That's doable, especially the hotel price is so much cheaper. I am thinking of going to Boston in the beginning or mid Oct
by FireHorse
Fri Aug 30, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 142
Views: 22513

Re: When was the most stressful financial time in your life?

It was difficult when kids were young, from diapers to daycares to tutors and to sports activities. We were young too and we were struggling to settle with a job that fit with us. Frugality is a consistent key that helped us survived the most difficult period of time. Every year bonus regardless big...
by FireHorse
Mon Aug 26, 2019 4:38 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 27256

Re: VTIAX International fund - should I give up on it?

Tom jones, I’ve been thinking the same thing, but instead of selling my international I just turned off auto reinvest of the dividends, that still leaves me around 15%. I will just reinvest the dividends in US TSM for now. Isn't this a good time to turn the auto reinvest dividend on to buy it at lo...
by FireHorse
Fri Aug 23, 2019 8:48 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 3871

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

VWIUX price unchanged today while total bond up significantly :confused
by FireHorse
Sun Aug 18, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11232

Re: Aliens have captured my husband [wants to buy a Porsche]

Let him have it.
Money is not a problem for you, why not let him enjoy it!!!
by FireHorse
Sat Aug 17, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8863

Re: Taking a break in your 50s: Is it the kiss of death?

Most people in the thread are telling you that you are safe to quit your job, your 35X with proper AA is adequate to glide into retirement or take a gap year.
If you don't want to quit your job, may be suck it up or speak up are the way to go. Your 35X is your back bone
by FireHorse
Fri Aug 16, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 7825

Re: Use Vanguard MM Prime for cash rather than local bank?

Thanks for the thread.
This is confirmed what I wanted to do
Cheers
by FireHorse
Fri Aug 16, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance out-of-pocket maximum
Replies: 19
Views: 1062

Re: Health insurance out-of-pocket maximum

Wow....that's a news, a bad news.
I fear the health insurance pkg is going to be like this at year end when we renew it
by FireHorse
Wed Aug 14, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 10295

Re: Breakfast Menu After Retirement

Since retired, we have brunch instead of breakfast so we can sleep in :D
We cut our meals to two a day instead of three
by FireHorse
Wed Aug 14, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 10295

Re: Breakfast Menu After Retirement

Stick with the much more healthful Oatmeal every day. +1 1 serving. Simple. Can be made tasty any number of ways. A lot more healthy than a Hawaiian Island breakfast of Spam, Portuguese Sausage, Fried Rice, and a side of waffles with guava syrup. :oops: j Oh my....... Still missing Hawaii breakfast...
by FireHorse
Sat Jul 27, 2019 12:36 pm
Forum: Personal Investments
Topic: 19k to 25k limit 401 after 50
Replies: 12
Views: 1642

Re: 19k to 25k limit 401 after 50

sambb wrote:
Sat Jul 27, 2019 12:25 pm
If i can contribute the higher limit to 401k after age 50, but i turn 50 in november of the year, do i start with higher contributions early in january>
Yes
by FireHorse
Mon Jul 22, 2019 1:55 am
Forum: Personal Consumer Issues
Topic: Trip to Honolulu
Replies: 49
Views: 3393

Re: Trip to Honolulu

Thank You so much. Without everyone's input, my trip would have been haphazard. All suggestions have made it possible for me to make a logical itinerary without running north, then south and all over. I am grateful to my boglehead community Regards OP, have a great time in Hawaii. I am glad that yo...
by FireHorse
Sun Jul 21, 2019 12:57 am
Forum: Personal Consumer Issues
Topic: Trip to Honolulu
Replies: 49
Views: 3393

Re: Trip to Honolulu

myleaf wrote:
Sat Jul 20, 2019 10:08 am
FireHorse wrote:
Fri Jul 19, 2019 8:52 pm
Don't mind me cut in.....

Any mid to high end restaurants with reasonable price and unbelievably good food?
Alan Wong
Side Street Inn
Many thanks for the suggestion!
by FireHorse
Fri Jul 19, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Trip to Honolulu
Replies: 49
Views: 3393

Re: Trip to Honolulu

Don't mind me cut in.....

Any mid to high end restaurants with reasonable price and unbelievably good food?
by FireHorse
Mon Jul 01, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 40
Views: 3044

Re: Experience with Synchrony savings accounts?

We have CD with Synchrony for many years, the rates are on the high end and automatic monthly interest deposit to our personal bank, it is quite convenient.
by FireHorse
Mon Jul 01, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1971
Views: 203478

Re: U.S. stocks continue to soar!

It looks like today is another new high
by FireHorse
Wed Jun 26, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4894

Re: Anyone knew the answer where the money is

Vanguard told me that I could transfer some $$ back to Fidelity, but I am concerning of another human error. Meaning they are taking no responsibility for this and telling you to fix it yourself. I wonder if Fidelity would also do this based on nothing but a phone call. I am still debating whether ...
by FireHorse
Tue Jun 25, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4894

Re: Anyone knew the answer where the money is

You are implying that Vanguard initiated a transfer based on a telephone conversation. Surely there is paperwork that would show what your instructions to Vanguard were? No paperwork. Phone request and E-transfer I am shocked by this. Vanguard will initiate a transfer and Fidelity will allow money ...
by FireHorse
Tue Jun 25, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4894

Re: Anyone knew the answer where the money is

OP here. It is my responsibility to let everyone know what happened with this instance and the outcome. Spoke with a representative from Vanguard today and learned 1) vanguard did requested full IRA account transfer 2) there is no way of stopping the transfer as soon as it started, because it is el...
by FireHorse
Tue Jun 25, 2019 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4861

Re: Triage in ER - charged $790

$790 ER visit is a steal.

Years ago, spouse cleaning the garage and a nail partially went through the finger. We went to the ER, just application fee was 2400, never mind the rest of the cost.
Our insurance was large deductible 5000, it didn't take much to exhaust 5000
by FireHorse
Tue Jun 25, 2019 4:55 am
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4894

Re: Anyone knew the answer where the money is

OP here. It is my responsibility to let everyone know what happened with this instance and the outcome. Spoke with a representative from Vanguard today and learned 1) vanguard did requested full IRA account transfer 2) there is no way of stopping the transfer as soon as it started, because it is el...
by FireHorse
Mon Jun 24, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4894

Re: Anyone knew the answer where the money is

OP here. It is my responsibility to let everyone know what happened with this instance and the outcome. Spoke with a representative from Vanguard today and learned 1) vanguard did requested full IRA account transfer 2) there is no way of stopping the transfer as soon as it started, because it is ele...
by FireHorse
Mon Jun 24, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: Balsamic vinegar?
Replies: 42
Views: 5773

Re: Balsamic vinegar?

Question -
besides salad dressing, what else do you do with Balsamic vinegar?
by FireHorse
Sat Jun 22, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4894

Re: Anyone knew the answer where the money is

OMG.....it looks like they did 100% transfer Fidelity Transaction history have shown 100% IRA account transfer including the Fidelity bond funds Fidelity representative said the transaction will take effective on Monday, its too late to un-do the transaction. What a mess? They won’t correct their o...
by FireHorse
Sat Jun 22, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4894

Re: Anyone knew the answer where the money is

It looks like it is a Fidelity's mistake.

Vanguard's Tracking transaction note specifically stated 40% in $$ value
by FireHorse
Sat Jun 22, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4894

Re: Anyone knew the answer where the money is

OMG.....it looks like they did 100% transfer

Fidelity Transaction history have shown 100% IRA account transfer including the Fidelity bond funds

Fidelity representative said the transaction will take effective on Monday, its too late to un-do the transaction.

What a mess?