Search found 109 matches

by xenochrony
Tue May 19, 2020 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 292
Views: 29229

Re: College in fall

Ive made it clear to the admissions officers of my HS senior's college that should they go all or mostly online we simply will not pay or enroll our daughter. As a STEM major / athlete, an online approach is simply unacceptable and would be catastrophic. No thank you. Many of my friends with HS seni...
by xenochrony
Wed May 06, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Cross Country Drive-Best route? Safest way to do it?
Replies: 40
Views: 3781

Re: Cross Country Drive-Best route? Safest way to do it?

If I were moving across the country today, I would fly and have my car shipped. Much less opportunity to get exposed in a five hour flight than on a weeklong drive. Not only that, but you eliminate the most likely source of risk - a car accident. my family has to move across country in 4 weeks and ...
by xenochrony
Sun Apr 12, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128946

Re: Coronavirus (Consumer Issues) How you are preparing?

I bought a box of them several years ago in preparation for just such an event as this. I think I paid $6-7 for a box of 20 made by 3M. [...] Throughout all of this, I've haven't seen anyone make fun of the prepper community. It is best not to broadcast that one was prepared. I would not be surpris...
by xenochrony
Wed Apr 08, 2020 1:13 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72465

Re: Bogleheads community discussion - Coronavirus

I assume you don't live in New Jersey. My little town of 1 square mile with a population of 3,000 people has 10 reported cased. It doesn't say if any worked for the post office. I do wash my hands after throwing away the snail mail though. New Jersey coronavirus death toll now at 1,232. Total cases...
by xenochrony
Wed Apr 08, 2020 1:00 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72465

Re: Bogleheads community discussion - Coronavirus

The coronavirus has hit our one local post office in a town of (corrected error) 25,000 people. I assume you don't live in New Jersey. My little town of 1 square mile with a population of 3,000 people has 10 reported cased. It doesn't say if any worked for the post office. I do wash my hands after ...
by xenochrony
Fri Apr 03, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: Should I withdraw my kids from summer camp?
Replies: 43
Views: 2797

Re: Should I withdraw my kids from summer camp?

I wouldn't cancel. July is three months away and they are talking about peaks to this thing happening in the next 3 to 4 weeks. Like someone mentioned above, we've gotten full refunds for everything thus far that has been cancelled as a result of this without having to do anything. To me, it is a b...
by xenochrony
Fri Mar 27, 2020 1:23 pm
Forum: Personal Investments
Topic: Effect of COVID19 on Real Estate
Replies: 42
Views: 6075

Re: Effect of COVID19 on Real Estate

In my LCOL area, just prior to covid19, SFH inventory in my price range was scant, less than a 30 day supply. Since the pandemic, supply has fallen off a cliff and is virtuallly nonexistent. That is surely going to stymie the large price declines folks are predicting. That is, until the deluge of fo...
by xenochrony
Mon Mar 23, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: I'm a one person S-Corp file for unemployment?
Replies: 21
Views: 1345

Re: I'm a one person S-Corp file for unemployment?

At least in North Carolina I do not believe this is possible. You pay in but you are ineligible to claim. I believe the rule is if you own 10% or more of the business that employs you, you are not eligible. Same in CA. I'm a single s-Corp owner paying unemployment insurance for years but unable to ...
by xenochrony
Tue Mar 17, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Who is still going into work and why?
Replies: 41
Views: 2575

Re: Who is still going into work and why?

Our company cannot close down. We do late stage preclinical development of pharmaceuticals, including vaccines. We are under strict federal mandate to ensure the vitality and well being of our preclinical "test systems." How do you perform dose administration or vascular surgery "from home?"
by xenochrony
Mon Mar 16, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house - should I get out of it now?
Replies: 40
Views: 3636

Re: Buying a house - should I get out of it now?

I'm currently in contract to buy and have the same reservations except that in my market, housing is not so inflayed, thus I am less worried about price but more worried about job loss. I have 4 more weeks to pull out but am currently moving full steam ahead. Risky? Yes, but I need a place to live w...
by xenochrony
Fri Mar 13, 2020 10:46 am
Forum: Investing - Theory, News & General
Topic: Real Estate Right Now
Replies: 13
Views: 1020

Re: Real Estate Right Now

Recently moved across country to a new location where the RE market is, surprisingly on fire. Made an offer 2 weeks ago, was accepted last week. Still moving forward, though risk of COVID-related potential job loss has me concerned. Either way, I still need a place to house my family and did lock in...
by xenochrony
Wed Nov 20, 2019 12:07 pm
Forum: Personal Investments
Topic: 529 in S&P fund, child senior in HS
Replies: 18
Views: 1075

Re: 529 in S&P fund, child senior in HS

I agree with the above posters that you need to de-risk immiadately, and that you got lucky with such an equity rich 529 account to date. That said, I'm not certain moving it all to 100% FDIC (or other principal preservation) investments is the ideal path forward. For reference, my daughter is curre...
by xenochrony
Sat Sep 28, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 262
Views: 22226

Re: A 'really good book' you did NOT enjoy

"The Road to Serfdom" by the Austrian economist Friedrich Hayek.

Fascinating topic but very painful to trudge through. I had to stop and think deeply about each sentence I read. Nonetheless, an important read on the potential dangers of central planning.

xenochrony
by xenochrony
Mon Aug 19, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card annual fee coming up - what to do?
Replies: 25
Views: 2971

Re: Credit card annual fee coming up - what to do?

I'm in the same situation as you are with my Capital One Savor card. I'm opting for Plan #2, that is dropping down to the Savor One product with no annual fee. Rewards are similar between the 2 products (though not identical), I've already pocketed the sign up bonus and the Savor One card has no ann...
by xenochrony
Thu Aug 15, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: 1) What age did you have your teen get a driver's license?
Replies: 48
Views: 2260

Re: 1) What age did you have your teen get a driver's license?

Coincidentally, I was in virtually the exact same situation as you pose, last year. Also a 20 year old 4x4 (M/T) for my child to drive with permit, who also is on varsity sports team, similar auto insurance increase due to young driver getting license. Hate the large insurance increase, but her incr...
by xenochrony
Thu Aug 08, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Pharma career change - bench to ?
Replies: 15
Views: 2091

Re: Pharma career change - bench to ?

I'm a scientist in big pharma and have a few thoughts. First off, its not clear what your goal or objective is. Is it purely enhanced career devt/progression? Staying clear of the presumed glass ceiling for a non-PhD med chemist? Is it job security? Relocation? As pharma incrementally jettisons earl...
by xenochrony
Wed Jul 17, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: in CA, what is the best way to save for kids college, in detail?
Replies: 21
Views: 1181

Re: in CA, what is the best way to save for kids college, in detail?

I live in CA and have been using Utah state's 529 plan for both of my kids. The underlying securities are Vanguard, so the intrinsic ERs are very low, Utah's added on fee is some of the lowest available in the USA, they offer a lot of choices to suit one's needs (e.g. age-based, fixed, conserv, aggr...
by xenochrony
Tue Jul 09, 2019 1:54 pm
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 81
Views: 12805

Re: Orange County, CA chapter?

Currently in Irvine, live S. of Irvine. Potentially interested. :happy
by xenochrony
Fri Jun 21, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Finding family health insurance before 65 (individual, not group)
Replies: 15
Views: 829

Re: Finding family health insurance before 65 (individual, not group)

I'm going to go the consultant route and see how that goes. My field is very specialized, and there's more work available than I care to do. The position I'm leaving has been very demanding and taken away from family time and pursuit of personal interests. I aim to change those things. As I've watc...
by xenochrony
Fri Jun 21, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 6312

Re: How much is your guys’ fees for your 401k?

$0 per year for my solo 401k at Vanguard
Also $0 per year for my SEP-IRA, and tIRA at Vanguard and tIRA at Schwab

weighted ER of all my VG funds is 0.08 :moneybag
by xenochrony
Wed Jun 05, 2019 12:15 pm
Forum: Personal Investments
Topic: Any downsides to consolidating retirement accounts?
Replies: 11
Views: 1078

Re: Any downsides to consolidating retirement accounts?

Yes, potential loss of ERISA protections. Pay attention to this with regard to account rollovers/transitioning. In addition to federal protections, there are state-specific regulations on this as well.

xenochrony
by xenochrony
Mon Jun 03, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: Two books coming in.
Replies: 12
Views: 2044

Re: Two books coming in.

I've never read "The Investor' Manisfesto," but did read "The Four Pillars of Investing." The latter book is one of the most influential and profoundly useful non-fiction books I have ever read. A supreme choice for diving headfirst into understanding investing.
by xenochrony
Wed May 15, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: When did you realize it wasn't enough?
Replies: 33
Views: 7631

Re: When did you realize it wasn't enough?

Posting is intended for those in their late 40s to late 50s. When did you realize that current amount of money being saved won't be enough when you intend to retire (say at 60) Also: 1. Did you panic? Yes. 2. Decided to work until however longer you can? Yes. 3. Cutback on your lifestyle drasticall...
by xenochrony
Thu May 09, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 284
Views: 36506

Re: What is your AA, given your age? and, Why?

Age 50. Prior to 50, was 80/20 (stock/bond), currently gliding to 75/25 through preferential buying of bonds with new $ (contributions). Why? I need, and am willing, to take on more risk, being a late starter. VG AA questionnaire agrees with me. My equity split is 80/20 (US/Intl [DM only]), EM seems...
by xenochrony
Tue May 07, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Kaiser HMO
Replies: 28
Views: 2794

Re: HDHP vs Kaiser HMO

I'm in CA and the same age as you and this is my first year with Kaiser HMO. Thus far, I have been impressed with physician quality, its actually been far superior than the extremely poor quality of physicians I had access to with another CA health insurance company. While the other poster said Kais...
by xenochrony
Sun May 05, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Anyone lived in Old Northwest Reno or Sparks
Replies: 10
Views: 1292

Re: Anyone lived in Old Northwest Reno or Sparks

I used to live in extreme North Reno, in the area known as Stead. It was up and over the hill past N. McArren/UNR along the 395 several miles. Prices on homes were very favorable and it was less densely populated, which I loved. Driving down the 395 to Reno proper took all of about 10 minutes, yet l...
by xenochrony
Sat May 04, 2019 5:14 pm
Forum: Personal Investments
Topic: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
Replies: 83
Views: 7073

Re: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?

OP, when I was 28 I had no idea that retirement even existed, so you are at least on the right track asking questions. The funny thing is however, that even at 50 years old, I still have no idea about projecting my retirement expenses. As a renter, that may move who knows where (as a form of geoarbi...
by xenochrony
Thu May 02, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate if a new job will increase income?
Replies: 65
Views: 6127

Re: How to calculate if a new job will increase income?

I'm doing the same comparison you are right now. What I did was to tally all my IC-specific expenses that I wouldnt have as an FTE and then monetize all the prospective FTE benefits (which can be hard to do). From there, I ask whether (FTE salary + benefits) > (IC gross income - biz expenses). The c...
by xenochrony
Fri Apr 26, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage with Spouse or Separate?
Replies: 41
Views: 2642

Re: Mortgage with Spouse or Separate?

I believe having a mortgage on your credit record helps your credit score. I do not see any net advantage of having only one spouse on the mortgage. If there is only one spouse on the mortgage, but the home is titled in both names, then the other spouse would need to sign agreement(s) related to th...
by xenochrony
Fri Apr 26, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage with Spouse or Separate?
Replies: 41
Views: 2642

Re: Mortgage with Spouse or Separate?

I believe having a mortgage on your credit record helps your credit score. I do not see any net advantage of having only one spouse on the mortgage. If there is only one spouse on the mortgage, but the home is titled in both names, then the other spouse would need to sign agreement(s) related to th...
by xenochrony
Thu Apr 25, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 13222

Re: Who is buying 1-3 year old used Toyotas and Hondas?

Interesting thread. I've had quite a different experience than many of the posters in this thread. I purchased a 4 year old CPO Honda Fit M/T 35% BELOW the price of an equivalent new Honda Fit. In my opinion, that was a huge discount over new, (the latter, which was well outside my budget). I am no...
by xenochrony
Thu Apr 25, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 13222

Re: Who is buying 1-3 year old used Toyotas and Hondas?

Interesting thread. I've had quite a different experience than many of the posters in this thread. I purchased a 4 year old CPO Honda Fit M/T 35% BELOW the price of an equivalent new Honda Fit. In my opinion, that was a huge discount over new, (the latter, which was well outside my budget). Regardin...
by xenochrony
Fri Mar 29, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: How much $$ would it take for you walk away from investing?
Replies: 45
Views: 4707

Re: How much $$ would it take for you walk away from investing?

Say you're retiring at 40. Your annual expenses are $50k. You've "won the game" and have amassed a large net worth. You don't want to take any more risk, so you go 100% cash and walk away from investing completely. How much money would it take for you to be comfortable doing this? $4 million? $7 mi...
by xenochrony
Fri Mar 29, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: 2012 Honda Fit MPG issue
Replies: 50
Views: 4238

Re: 2012 Honda Fit MPG issue

I've got a 2013 Fit and buy Costco gas exclusively. I agree with the above posts. When you take your foot off the gas the MPG meter should peg at >80 mpg, until momentum is lost. The fact that your only registering 40 mpg in this scenario suggests a real problem and this observation should help a kn...
by xenochrony
Sun Mar 24, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Where do you find high paying jobs?
Replies: 72
Views: 6157

Re: Where do you find high paying jobs?

I don’t think there is a single degrees professional in our business over thie age of 30 that doesn’t make at least $75K and I’d say 75% are over $100K, with great benefits and a pension. And this is an industrial company in a LCOL area. We have mechanical engineers starting out of college at $65K ...
by xenochrony
Sat Mar 23, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Moving from NYC to Miami
Replies: 18
Views: 2172

Re: Moving from NYC to Miami

I lived in south beach, mid beach, north beach, and on several little islands in Biscayne Bay. South of 5th sounds crazy from what your looking for. I would highly recommend mid or north beach. You wont be able to walk, but these places are profoundly different from south beach.
by xenochrony
Wed Mar 13, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Planning Machu Picchu, Inca Trail vs Salkantay?
Replies: 17
Views: 1448

Re: Planning Machu Picchu, Inca Trail vs Salkantay?

Don't mean to hijack the thread, but I'm curious what this trip cost those of you who have been? Machu Picchu is probably #1 on my list of places to visit before I die. I'm 37 now with kids 4 & 6. It's my dream to take my wife and the kiddos there for a 3-4 day trek when they're in high school or c...
by xenochrony
Wed Mar 13, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: another Honda/Takata recall
Replies: 11
Views: 1705

Re: another Honda/Takata recall

Interesting. I filled out the paperwork for the Takata Airbag settlement at least 9 months ago and have received no check in the mail yet. It's been so long, I really dont expect to receive anything. I have had both my Honda driver, (and more recently) passenger airbag recall services completed, so ...
by xenochrony
Wed Mar 13, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Planning Machu Picchu, Inca Trail vs Salkantay?
Replies: 17
Views: 1448

Re: Planning Machu Picchu, Inca Trail vs Salkantay?

I did the Inca Trail via Salkantay. It is beyond spectacular. You will not regret doing it. Prior to the Salkantay route joining up with the inca trail (at Huaylabamba?) there are almost zero tourists, all locals using the route. It is a completely different experience than the Inca Trail and the ju...
by xenochrony
Wed Mar 13, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 8299

Re: How many companies have you worked for?

Age 50. Following the completion of a lengthy PhD, I have worked 5 jobs, 4 of which were companies. This period also includes an extended period of unemployment.
by xenochrony
Sun Mar 10, 2019 1:34 pm
Forum: US Chapters
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 173
Views: 32940

Re: How Did You Become A Boglehead? What Led You Here?

In 2013 I suffered a complete nervous breakdown which, due to severe and chronic anxiety/panic/insomnia, led me to the emergency room and on pyschiatric meds. As I slowly weaned myself off those dangerous drugs, I begun to ask myself "what happened to me?," "why did i evolve from a pretty happy go l...
by xenochrony
Sun Mar 10, 2019 1:09 pm
Forum: Personal Investments
Topic: Thoughts on VNQ? [Vanguard Real Estate ETF]
Replies: 43
Views: 8250

Re: Thoughts on VNQ?

I have held VGSLX in my IRA for over 10 years. If you want to overweight real estate (REITs) in your portfolio, VGSLX or VNQ are perfectly fine funds. Personally, I hold them for their extra diversification benefit, but have to admit, I do like the yield.
by xenochrony
Wed Feb 27, 2019 8:30 pm
Forum: Personal Investments
Topic: Smartest Investing Moves
Replies: 24
Views: 3706

Re: Smartest Investing Moves

Reading Random Walk Down Wall Street as suggested by a friend; then bogle, Bernstein, swedroe Starting Keogh plan as soon as I started working Opening ROTH IRA for kids MAXIMIZING ret plan yearly in January READING AS MANY BOOKS AS I COULD and learning from every possible source Making my retiremen...
by xenochrony
Wed Feb 27, 2019 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Question on Affordable Care Act
Replies: 19
Views: 1355

Re: Question on Affordable Care Act

I too, live in urban southern California. My Kaiser ACA policy (for family of 4) costs me 23,400. I am slightly over the ACA cliff for receiving any subsidies and have already pulled all levers available to keep under the cliff. Have you tried income bunching? Go over the cliff by a lot in one year...
by xenochrony
Tue Feb 26, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Affordable Care Act
Replies: 19
Views: 1355

Re: Question on Affordable Care Act

There are massive price differences between states, and even locations within a single state. States that have embraced the ACA generally have lower premiums than states that have fought it, and urban areas have lower prices than rural. L iving in urban Southern California, I have a hard time belie...
by xenochrony
Mon Feb 11, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 36623

Re: Smaller tax refunds this year? Clear explanation please

Refund? What's that? :D

Wife and I enjoy a lower effective income tax rate in 2018 as compared to 2017 due largely to the Sec199A QBI deduction that we both receive for our respective businesses. 20% deduction ain't chump change.

xenochrony
by xenochrony
Fri Feb 08, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 8251

Re: How many hours do you work and what do you outsource

I'm FT self-employed, wife is PT self-employed. I never work a minute over 40 hrs or ever bring work home with me (that is, work I perform for clients). That said, I do spend extra time (over the 40hr) at home running my business (invoicing, admin stuff, payroll, etc). We outsource absolutely nothin...
by xenochrony
Thu Feb 07, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Comparison of results using different tax return software?
Replies: 3
Views: 444

Re: Comparison of results using different tax return software?

Two points I would make that may only be tangentially related to your question are: 1. After putting in my input data to TT Home & Business software on Dec 29 2018, every few days in 2019 I fire up the software, let it run its updates then examine my tax liability. Every single update has changed my...
by xenochrony
Mon Feb 04, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 46
Views: 3106

Re: Tips/suggestions for skiing out west?

For easy access to a lot of HIGH QUALITY skiing, you cant beat flying into either SLC or Tahoe (Reno). Youll have immense choices to suit your particular needs. Christmas can be dicey as some years the snow doesnt start falling until January, in that case youd be skunked bad. SLC has a lower probabi...
by xenochrony
Sat Feb 02, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?
Replies: 108
Views: 8051

Re: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?

currently 50 years old. estimating 25-40%. as some of the unknowns become known over the next decade, this range will narrow to a more precise estimate.