Search found 36 matches

by dogperson
Mon Mar 02, 2020 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments required, or can I just withhold more?
Replies: 4
Views: 338

Re: Estimated tax payments required, or can I just withhold more?

Thanks all! I usually check my withholding in spring after our raise and bonus settle out and I get a more typical paycheck, maybe in summer just for fun, and at the beginning of October before our monthly payroll change deadline, when I also check to make sure I'll be maxing my 401k but will still ...
by dogperson
Mon Mar 02, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments required, or can I just withhold more?
Replies: 4
Views: 338

Estimated tax payments required, or can I just withhold more?

I think I know the answer to this, but just in case... I owed on my 2019 taxes. Based on the withholding calculator I had expected to owe $300, but I had omitted some dividends/interest on the calculator, so I owed a couple thousand. Had an unusual situation in 2018 resulting in high taxable income,...
by dogperson
Wed Feb 26, 2020 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Does Biomedical Engineering School Matter?
Replies: 94
Views: 6498

Re: Does Biomedical Engineering School Matter?

At my school almost all the BMEs went to med school. The medical device companies seem like good companies to work for, but I don’t know if they’re hiring for BS in BME or what. Does your son know what environmental engineers typically do? A lot of times they’re working for large companies (directly...
by dogperson
Fri Feb 07, 2020 1:53 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Medical Devices or Data Science/Machine Learning
Replies: 30
Views: 1741

Re: Career Advice: Medical Devices or Data Science/Machine Learning

Have you researched the companies that would be potential employers in each field, and imagined what your life would be like working there? With undergrads I find they tend to think about the work they want to do more than the kind of company and location where they want to work. You have to conside...
by dogperson
Tue Jan 21, 2020 9:11 pm
Forum: Personal Investments
Topic: How to invest a lump sum earmarked for annual expenses
Replies: 6
Views: 823

Re: How to invest a lump sum earmarked for annual expenses

Thanks for all the input. I was not aware of the Wellesley fund, and that's the kind of thing I was looking to consider, thanks printer86. But I do think it makes more sense to keep the diversification of using total stock market (rather than dividend-focused) and sell when needed. Great point from ...
by dogperson
Mon Jan 20, 2020 11:06 pm
Forum: Personal Investments
Topic: 80/20 Vs Traget Date Fund
Replies: 6
Views: 1092

Re: 80/20 Vs Traget Date Fund

If that's what you want, you could just check the latest asset allocation in the target date fund each year when you rebalance your account, and match it at that time except for using all US stocks. If you look at the nearer-term funds now (like target 2020), you'll see they eventually start owning ...
by dogperson
Mon Jan 20, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Replacing Bathroom Exhaust Fan - Need advice before blowing a bunch of $
Replies: 33
Views: 3459

Re: Replacing Bathroom Exhaust Fan - Need advice before blowing a bunch of $

When I do work on my house, I bring it up to current code. I had my bathroom fan vented through the roof which is code in my area. Not sure if your building code is different with the drier climate, or whether a dedicated vent out the gable is as good as going out the roof.
by dogperson
Mon Jan 20, 2020 8:01 pm
Forum: Personal Investments
Topic: 80/20 Vs Traget Date Fund
Replies: 6
Views: 1092

Re: 80/20 Vs Traget Date Fund

Vanguard Target 2045 is starting its glide path this year, which means its strategy is to start adding more bonds and less stocks to that fund this year. All their target date funds work like this, gradually become more conservative once their target buyer is 25 years before retirement. (If you are...
by dogperson
Mon Jan 20, 2020 7:56 pm
Forum: Personal Investments
Topic: How to invest a lump sum earmarked for annual expenses
Replies: 6
Views: 823

How to invest a lump sum earmarked for annual expenses

Can you guys help me think through some options for investing a sum of money from which I want to spend a little bit every year? Scenario I set aside some gains from a real estate sale as a long-term fund to pay my disability income insurance premiums. I set aside 28 years' worth of the current prem...
by dogperson
Sun Jan 19, 2020 1:13 am
Forum: Personal Investments
Topic: 80/20 Vs Traget Date Fund
Replies: 6
Views: 1092

Re: 80/20 Vs Traget Date Fund

Vanguard Target 2045 is starting its glide path this year, which means its strategy is to start adding more bonds and less stocks to that fund this year. All their target date funds work like this, gradually become more conservative once their target buyer is 25 years before retirement. (If you are ...
by dogperson
Fri Dec 13, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Broadway Show
Replies: 17
Views: 931

Re: Broadway Show

I would ensure you arrive the day before your show, in case your flight/drive/train is delayed. The tickets will be an expensive component of the trip, with no backup if you’re not there in time. If you can get your tix from Ticketmaster as non-resale, you’ll pay less. I think Hamilton has some week...
by dogperson
Wed Sep 25, 2019 12:26 am
Forum: Personal Consumer Issues
Topic: Is it out-of-style for business women to wear pantyhose?
Replies: 19
Views: 5950

Re: Is it out-of-style for business women to wear pantyhose?

I'd wear hose with a skirt suit, probably not with a dress. I agree it varies by industry. If you're a guest at the location, maybe err on the side of more formal and wear them. I also agree sheer is less fusty than more visible hose. But I stopped wearing formal skirts and dresses in business setti...
by dogperson
Mon Jun 03, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: Road Trip: After the West Coast
Replies: 8
Views: 760

Re: Road Trip: After the West Coast

Good time of year to stop off at the northern national parks, Voyageurs and Isle Royale. (Not sure if the very best time of year, but warm enough.)
by dogperson
Tue May 28, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Used Miata as a daily driver, terrible idea?
Replies: 44
Views: 2669

Re: Used Miata as a daily driver, terrible idea?

I've owned a convertible. Some things to consider: - Will you have covered parking at work and at home? I have neither, so I didn't always take the 2-3 minutes each to put the top down at home, up at work, down after work, up again at home. When I was working at a location with covered parking, it w...
by dogperson
Sun Apr 07, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Who builds lenses on existing frames?
Replies: 17
Views: 1228

Re: Who builds lenses on existing frames?

Lenscrafters has done this for me multiple times, on frames in a brand they don't carry. They always warn that the frames could break and they won't be able to replace them, but they haven't broken them. (They're acrylic frames where you have to pop the lenses in and out by flexing the frames.)
by dogperson
Sun Mar 10, 2019 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8659

Re: Airline travel and economy: pay $$ to pick seats

I am inclined to generally be helpful and to sacrifice my own comfort for another traveler/family with some obvious need. However, now that there is an explicit price for reserving a seat, I would actually be less likely to try to help someone (like the family in this quoted post) who purchased a &...
by dogperson
Thu Mar 07, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Island Vacation with Shade on the Beach?
Replies: 40
Views: 4601

Re: Island Vacation with Shade on the Beach?

I just got back from the Barceló Maya resort in Riviera Maya, Mexico (kinda near Cancun). It’s on the Caribbean and there are palm trees on the beach that provide pretty good shade, especially if you’re willing to move the chairs as needed. I need shade too and I found that a big hat and SPF 70 did ...
by dogperson
Sun Feb 17, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: 1099s received after first and final estate income tax filed
Replies: 3
Views: 609

Re: 1099s received after first and final estate income tax filed

Thanks you guys! The estate filed on a fiscal year ending June 30, 2018. All the estate accounts were closed before then. Looking back at my emails, I provided all tax docs for 2017 (estate docs plus our last married filing jointly return so they could make sure nothing in the estate docs was also t...
by dogperson
Thu Feb 14, 2019 1:43 am
Forum: Personal Finance (Not Investing)
Topic: 1099s received after first and final estate income tax filed
Replies: 3
Views: 609

1099s received after first and final estate income tax filed

Hi all, I was the sole heir and administrator of an estate. He died in 2017, and in mid-2018 I closed the estate and filed a "first and final" fiduciary income tax return for the estate (prepared by the estate attorney). First and final means the estate pays no income tax directly, and all...
by dogperson
Sat Jan 12, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: USPS Tracking Information Available Soon
Replies: 16
Views: 11828

Re: USPS Tracking Information Available Soon

I agree that USPS always seems to say "what package" well after it's been dropped at the post office. Their main use case for tracking is delivery confirmation, which is more useful to the shipper than the recipient. I like this tweet. Somebody retweeted it and added Amazon: we're inside y...
by dogperson
Thu Oct 25, 2018 12:32 am
Forum: Personal Investments
Topic: Is there an ideal way to manage the timing (mechanics?) of your contributions/investments?
Replies: 4
Views: 615

Re: Is there an ideal way to manage the timing (mechanics?) of your contributions/investments?

Vanguard analysis of how early contributions are better than late for IRAs: https://personal.vanguard.com/pdf/ISGIRA18.pdf My 401k match is as mariezzz says: the match limit is by month not year, so I lose out on matching funds if I reach the annual limit early and have some paychecks with no/low 40...
by dogperson
Fri Sep 28, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 4132

Re: Amex premium car rental insurance not kicking in

My husband made a (minor) claim under this coverage and it worked as expected. Amex was the primary insurance and it had nothing to do with his personal car insurance. He was very happy with it.

The $25 charge per rental always appeared as expected.
by dogperson
Tue Apr 24, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: Why are rising Bond Yields bad?
Replies: 37
Views: 5737

Re: Why are rising Bond Yields bad?

The Indicator podcast (from NPR’s Planet Money) just did an episode on this. It’s under 10 minutes.

https://www.npr.org/sections/money/2018 ... nd-villain
by dogperson
Thu Apr 12, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing benefit increase riders on disability insurance quotes
Replies: 5
Views: 752

Re: Comparing benefit increase riders on disability insurance quotes

Hmm, one more aspect to this. If I go with Guardian, and I accept the automatic 4% increase and therefore choose not to exercise the FIO, then I continue paying the full FIO premium. Seems like it's financially better to apply for a 4% increase (or as much as I want / am eligible for) and get the FI...
by dogperson
Thu Apr 12, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing benefit increase riders on disability insurance quotes
Replies: 5
Views: 752

Re: Comparing benefit increase riders on disability insurance quotes

Ah, that's great info that the FIO rider premium is reduced as you exercise it. I don't think I need the full 2x initial benefit, so I think I'll figure out what amount of FIO I want (ballparking raises) and see how it compares. Thanks so much! You are a great resource and I've learned a ton from yo...
by dogperson
Thu Apr 12, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing benefit increase riders on disability insurance quotes
Replies: 5
Views: 752

Re: Comparing benefit increase riders on disability insurance quotes

Thanks BruDude! I ended up restructuring the post above to make it clearer; hope it will help others who are interested in DI. I also found the Guardian automatic option in a revised quote I received. So you recommend taking the automatic increase. That makes sense. Why does Guardian charge for the ...
by dogperson
Thu Apr 12, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing benefit increase riders on disability insurance quotes
Replies: 5
Views: 752

Comparing benefit increase riders on disability insurance quotes

I'm comparing disability insurance quotes from Guardian, the Standard, and Principal. Their riders for increasing coverage are different and I want to make sure I understand the benefits of different kinds. Edit: restructuring the explanation for clarity. Guardian Requested increases Future increase...
by dogperson
Thu Apr 12, 2018 12:32 pm
Forum: Personal Investments
Topic: Portfolio review - dogperson
Replies: 7
Views: 1133

Re: Portfolio review - dogperson

Thanks for that thread. It really is valuable to read people's feelings in real time and over the years that the thread was resurrected. I am giving serious thought to how I might feel in a crisis. You've deduced correctly that I had hardly any investments in 2008. I did keep very aware of the fisca...
by dogperson
Mon Apr 09, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering: Quality of school vs. specialized niche degree
Replies: 52
Views: 4930

Re: Engineering: Quality of school vs. specialized niche degree

If considering mining engineering so he can blow stuff up, perhaps you and your son could investigate what those jobs are like. Often they pay very well but can be fairly remote, so some engineers may commute weekly and live away from their families. Is that something he would be ok with? Would he l...
by dogperson
Sun Apr 08, 2018 10:18 pm
Forum: Personal Investments
Topic: Portfolio review - dogperson
Replies: 7
Views: 1133

Re: Portfolio review - dogperson

Oh that makes perfect sense! Bonds in the 401k it is, then. Thanks for the explanation!
by dogperson
Sun Apr 08, 2018 9:55 pm
Forum: Personal Investments
Topic: Portfolio review - dogperson
Replies: 7
Views: 1133

Re: Portfolio review - dogperson

Thanks so much Chip and TwstdSista for the feedback! I was not familiar with range-based rebalancing, but I see the explanation of 5/25 on the wiki page about rebalancing. https://www.bogleheads.org/wiki/Rebalancing I hadn't considered that skipping Vanguard Personal Advisor would also allow me to i...
by dogperson
Sun Apr 08, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Engineering: Quality of school vs. specialized niche degree
Replies: 52
Views: 4930

Re: Engineering: Quality of school vs. specialized niche degree

What does he like about robotics? Machine design / mechanisms, electrical, programming? I would advise majoring in mechanical or electrical (or computer science if it's really the programming) and taking some robotics courses as electives. Computer Science is about far more than just programming. I...
by dogperson
Sun Apr 08, 2018 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Engineering: Quality of school vs. specialized niche degree
Replies: 52
Views: 4930

Re: Engineering: Quality of school vs. specialized niche degree

What does he like about robotics? Machine design / mechanisms, electrical, programming? I would advise majoring in mechanical or electrical (or computer science if it's really the programming) and taking some robotics courses as electives. I do think some schools have stronger coursework than others...
by dogperson
Fri Apr 06, 2018 11:08 pm
Forum: Personal Investments
Topic: Portfolio review - dogperson
Replies: 7
Views: 1133

Portfolio review - dogperson

Hi! Long time lurker, very recent poster. I would love feedback on my portfolio, as I have more to invest and want to transition to a 3-fund portfolio. About me Emergency fund: yes, 6 months of expenses Debt: mortgage, $150k @ 2.625% Tax filing status: single, no kids Marginal tax rates: 24% federal...
by dogperson
Tue Apr 03, 2018 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Career Move: Please convince me why I should not work in tech
Replies: 74
Views: 9904

Re: Career Move: Please convince me why I should not work in tech

You should also consider the type of organization and what its mission is and what you will be focused on achieving. You want to feel good about what you are doing and where you are doing it, be treated well, and be compensated fairly. This is one of the reasons I chose not to move into data scienc...
by dogperson
Tue Apr 03, 2018 12:10 am
Forum: Personal Investments
Topic: Choosing target date fund
Replies: 8
Views: 1508

Re: Choosing target date fund

Here's a link showing the glide path for the target retirement funds; it's Figure 2 on page 5. https://personal.vanguard.com/pdf/icrtdf.pdf They assume an investor will pick the target date based on when they'll turn 65, and you'll see that it starts shifting away from 90/10 stocks/bonds around when...