Search found 96 matches

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: 20
Views: 1874

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: 1827

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: 1841

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: 1007

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: 63
Views: 5397

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: 798

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: 5581

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: 1023

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: 1931

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: 7474

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: 219
Views: 25184

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: 25
Views: 1507

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: 1192

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: 6673

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: 5779

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: 2500

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: 2500

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: 12252

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: 12252

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: 4357

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: 3530

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: 5621

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: 2001

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: 1269

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: 10
Views: 1279

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: 1269

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: 7108

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: 27703

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: 39
Views: 4528

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: 3574

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: 1269

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: 1269

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: 32650

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: 7776

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: 429

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: 2825

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: 7579

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.
by xenochrony
Fri Feb 01, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?
Replies: 43
Views: 2430

Re: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?

I have a decent sized EF at Ally. Every 12-15 months, I also secure a CC with 0% rate that lasts for 12-15 months. Each time this CC intro rate expires. I apply for another 0% CC. I have never paid a penny interest or fees for them, in fact I have cashed in on bonuses/rewards. If I have a long term ...
by xenochrony
Mon Jan 28, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 3829

Re: Do you do backpacking in your 50s or 60s?

Yes, I am 51 and have backpacked for decades, and continue to do so. I see many folks in their 50s, 60s and even some in their 70s backpacking. My destinations are usually mountain, jungle, tundra in various countries. International hostels usually do have primarily young backpackers, I do not stay ...
by xenochrony
Thu Jan 24, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Victim of my own success! How to deal with a complex life?
Replies: 103
Views: 9306

Re: Victim of my own success! How to deal with a complex life?

Simplify. Across your entire life.

I highly recommend Henry David Thoreau's book "Walden" in this regard.
by xenochrony
Fri Jan 11, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Non deductable IRA Contributions
Replies: 16
Views: 749

Re: Non deductable IRA Contributions

I contributed the max to a traditional IRA in 2018, however due to the income phaseout regulation for these contributions, about half is non-deductible. In my case, the best solution is to recharacterize the nondeductible traditional IRA contributions as Roth IRA contributions. This will allow them ...
by xenochrony
Wed Jan 09, 2019 2:05 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 137
Views: 8147

Re: BHers, what is your Roth IRA %?

0% of total retirement assets. Early 50s in age.
by xenochrony
Tue Jan 08, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Alta/Snowbird/Solitude
Replies: 6
Views: 910

Re: Alta/Snowbird/Solitude

Buying tix for alta/snowbird in advance on liftopia will get you a discount. earlier the buy, the bigger the discount. Im in the same boat as you, no 4x4/snow tires this year as we are flying in to SLC, not driving, like in years past. If little cottonwood is under chain control, you can just park a...
by xenochrony
Tue Dec 11, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: The new 1040 is certainly different
Replies: 10
Views: 2297

Re: The new 1040 is certainly different

I purchased TT2018 recently despite warnings that it is not fully operational yet. Can confirm this as several items are broken/missing. For example the 20% QBI deduction works correctly when drawing the relevant income from our Schedule C businesss, but NOT from my S-Corp K1. Hopefully, all these b...
by xenochrony
Tue Nov 27, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10067

Re: How did YOU choose your career?

I have a late HS daughter. Perhaps painfully obvious, but I think the path forward is to dig deep introspectively and to discover what are our passions and talents are. Once we discover this, we are 90% of the way there. We just have to be really honest with ourselves. The thing is, a lot of career...
by xenochrony
Tue Nov 27, 2018 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10067

Re: How did YOU choose your career?

I have a late HS daughter.

Perhaps painfully obvious, but I think the path forward is to dig deep introspectively and to discover what are our passions and talents are. Once we discover this, we are 90% of the way there. We just have to be really honest with ourselves.
by xenochrony
Tue Nov 27, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 63
Views: 6464

Re: Why is the Honda Fit so hard to find?

Last year I searched for a Honda Fit to purchase that meet my specifications, in the southern CA region. Much to my shock, there were very very few anywhere to be found. Add on the requirement that I would only buy a manual transmission, only scant numbers were available, and this was across a dense...
by xenochrony
Mon Nov 19, 2018 2:21 pm
Forum: Personal Investments
Topic: anyone buying individual stocks or sector ETF's?
Replies: 13
Views: 1246

Re: anyone buying individual stocks or sector ETF's?

Yes, a small % of total assets in 2 sector ETFs:

VDC (consumer staples) in a non-retirement, taxable account
VHT (health care) in IRA
by xenochrony
Mon Nov 19, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20919

Re: Vanguard lowering Admiral level to $3,000?

Sure wish this applied to solo 401ks - hate being overcharged investor ER rates on total bond when I've met the admiral threshold a long time ago. The rate isn't competitive with Fidelity or other broad bond index funds. I really need to transfer to another company- but many have closing fees or do...
by xenochrony
Wed Oct 31, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 5115

Re: Calculating ROI for PhD

Great thread; youve gotten a lot of useful comments here. I was very naive in my 20s and never considered ROI when pursuing a PhD. I was a dreamer, an idealist, not at all pragmatic. I ended up spending way too much time in grad school, and now looking back in the rearview mirror, I incontrovertibly...