Search found 343 matches

by SoAnyway
Sat Apr 20, 2019 10:45 pm
Forum: Personal Investments
Topic: Should I start doing Roth Conversions and if so
Replies: 44
Views: 2418

Re: Should I start doing Roth Conversions and if so

Wow the feedback in mindboggling - Thanks to all that contributed. I wasn't planning on turning on my PC over the weekend but when I checked the post on my phone I had to turn the computer on while these great boggleheads provide their insight. It appears you have about $4.5 million (rounded for si...
by SoAnyway
Tue Apr 16, 2019 1:00 am
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5886

Re: What defines "income" on a retiree's credit card application?

RickBoglehead wrote:
Mon Apr 15, 2019 9:23 am
I haven't given an accurate number on a credit card or loan application ...ever. I always understate it. When you indicate "Retired" for occupation, and then give your interest, dividends, and capital gains as income, that's the end of the story.
+1 with the red caveat.
by SoAnyway
Sun Apr 14, 2019 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Gifting mutual fund shares to a charity from Vanguard
Replies: 12
Views: 777

Re: Gifting mutual fund shares to a charity from Vanguard

OP, good on you for wanting to do good and make good at the same time! I was in exactly the same boat in 2017. I hadn't yet set up a DAF, and while the DAF-related posts above are correct and well-intended, perhaps you're not there yet and don't have the time/energy to get educated about DAF set-up/...
by SoAnyway
Sat Apr 13, 2019 2:18 am
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4456

Re: Boston area - nice towns for families

OP, you've gotten great advice in this thread. I live in an "N town" and am very familiar with all the towns mentioned, esp. the "W towns", "M towns" and "H towns". In addition to your VERY legitimate concern re. the social/academic pressures when moving an 8th and 10th grader (:o), I second Bogle7'...
by SoAnyway
Sat Apr 13, 2019 1:28 am
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 2942

Re: Received wrong vaccine...

Here's what I heard, OP: Backstory: Finally, yesterday I visited the clinic again to receive the vaccines. The vaccines I needed were (let's say) A, B, C, D, as indicated in the CDC's table. The clinic ordered them (at least what I thought when they penciled me in). When I was at the clinic, they ma...
by SoAnyway
Sat Apr 13, 2019 1:09 am
Forum: Personal Consumer Issues
Topic: Son's dubious job offer
Replies: 32
Views: 6314

Re: Son's dubious job offer

Our son has moved on to different job interviews. He did not tell us if they got back to him, or if they did what they said, and we didn't ask. He is currently in a process of interviews with two other companies and we will see what the outcome is. Thanks everyone for all the input. Sounds like you...
by SoAnyway
Sat Apr 13, 2019 1:02 am
Forum: Personal Consumer Issues
Topic: Approx. cost of 2 new garage doors?
Replies: 14
Views: 1270

Re: Approx. cost of 2 new garage doors?

*I was going to guess $2500 for a very plain door. +1. OP, your quotes are within range. (I'm also in the NE.) Don't overthink it. Every consumer purchase requires a balance of time/cost/quality tradeoffs. If you have the time to search further to save a few more bucks (what's YOUR time worth?) and...
by SoAnyway
Fri Apr 12, 2019 11:49 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 147
Views: 26197

Re: Why not add a "like" button to Boglehead posts?

The answer is still no. And it will be "NO" tomm. and next year and the year after that for all eternity. It ain't gonna happen. Period. Good. :beer Vic Mel, as usual, you are being too subtle. Can you please be more clear? :happy I just didn't want to be the bad guy, so I was trying to be as subtl...
by SoAnyway
Tue Apr 09, 2019 1:23 am
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 127
Views: 16577

Re: Trader Joe's Fans - good value?

Thanks for bumping this thread, retire2022. When I shop at Trader Joe's I have the impression that, within reason, you name it, they have it--but only one kind , never a choice. Is that your impression, too? If so, is that a bug or a feature? Yes that Freakonomics podcast gets into this. Apparently ...
by SoAnyway
Sat Mar 09, 2019 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Basis - Need to track?
Replies: 40
Views: 3760

Re: Roth IRA Basis - Need to track?

At a minimum, you should take the time to download the 5498s (or whatever number the form is). File them with your tax documents. But probably not...unless the IRS gets involved. Or unless the tax laws change. And they might. As anyone filing their returns this year knows(!). Sometimes for better, ...
by SoAnyway
Fri Mar 08, 2019 12:55 am
Forum: Personal Consumer Issues
Topic: Sports team season tickets
Replies: 45
Views: 4055

Re: Sports team season tickets

Hey Bogleheads! Does anyone have any experience buying season tickets to their local sports (NBA) team? A few friends of mine are planning to purchase with the goal of at least making our money back and to enjoy a few games ourselves. Any advice or experience would be greatly appreciated. Thanks! B...
by SoAnyway
Fri Mar 08, 2019 12:28 am
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8080

Re: Financial solicitation by my doctor

Well, in my case the doctor signed the letter so I'm assuming she knew on some level. So, the letter is personalized to me and, on closer inspection, my doctor's signature actually looks original. The ink is black, so it's a little hard to tell if it's a copy but I think it's actually a real signat...
by SoAnyway
Thu Mar 07, 2019 11:35 pm
Forum: Investing - Theory, News & General
Topic: Best account for early retirement funds
Replies: 11
Views: 1644

Re: Best account for early retirement funds

thanks all - and yes livesoft - agree to avoid those, even thou I know they are pushed alot. I am aware of the 55 rule if leave your current job, have the 403b and roth maxed out - so probably will focus on taxed advantaged taxable funds. That being said - this is an area that I don't know a lot ab...
by SoAnyway
Sat Mar 02, 2019 1:40 am
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8080

Re: Financial solicitation by my doctor

No department of a health system would ever send out a letter from a doctor without getting her/his input. If a physician TRULY objected, the organization would not want to alienate the physician (and colleagues who would hear about it) and perhaps bring lawyers into the matter. Yes and no. I agree...
by SoAnyway
Sat Mar 02, 2019 1:11 am
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8080

Re: Financial solicitation by my doctor

Most hospitals send these out and the docs know nothing about it. Well, in my case the doctor signed the letter so I'm assuming she knew on some level. So, the letter is personalized to me and, on closer inspection, my doctor's signature actually looks original. The ink is black, so it's a little h...
by SoAnyway
Mon Feb 25, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 7966

Re: How often do you and your friends change engine oil?

Me and my friends get together about once every three months for our recurring oil-change party. We rotate whose house it's at, and the host always supplies the crude. Oil, that is, black gold, Texas tea. :sharebeer OMG, this post just made my day!! ROFL.... For anyone unfamiliar with the reference...
by SoAnyway
Mon Feb 25, 2019 1:05 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4391
Views: 1145146

Re: What Movie Have You Recently Watched?

'Bohemian Rhapsody'. DW and I both loved it. DW said the critics didn't like it and indeed Rotten Tomatoes Critics is 59% and 49 on Metacritic but Audience is 93% and 85 respectively. I don't know if the critics missed the 70s and 80s and the HIV epidemic but it was a powerful depiction of the tria...
by SoAnyway
Mon Feb 25, 2019 12:38 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4391
Views: 1145146

Re: What Movie Have You Recently Watched?

I re-watched Lost in Translation this week and now I'm planning our first trip to Japan, probably spring 2020. Look out! Wife and son took trip to Japan, and now we have to replace all of our toilets with TOTO “features.” Expensive trip. Makes Acela look like third world train also :D Haha, so did ...
by SoAnyway
Sat Feb 23, 2019 12:36 am
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 149
Views: 9726

Re: Do others dislike Vanguard's new website as much as me?

Biggest change I've noticed is that when trying to "Contact Us," now you have to click through several screens of generic "frequently asked questions" before you can get to screen to write a secure email and ask the specific question you need. The Fidelity and Vanguard websites seem the same regard...
by SoAnyway
Sat Feb 23, 2019 12:32 am
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 149
Views: 9726

Re: Do others dislike Vanguard's new website as much as me?

I give Fidelity an "A" for its website. Vanguard and Chase get a B-. Interesting. I've had Vanguard and Fidelity accounts since the 90s. I've always loved the Vanguard site and *tolerated* Fidelity's. (I also had Schwab, but never mind that part....) I've always found V's website easier in terms of...
by SoAnyway
Fri Feb 22, 2019 12:09 am
Forum: Personal Finance (Not Investing)
Topic: On this Forum, is X% of Income Saved Pre-Tax or Post-Tax?
Replies: 95
Views: 6268

Re: On this Forum, is X% of Income Saved Pre-Tax or Post-Tax?

I see references on this forum to people who save a certain percentage of their income (30% of income, etc.). Is that generally understood to be pre-tax or post-tax, or is there not a general understanding when someone makes such a claim on this forum? There is no consensus, OP. Many folks need the...
by SoAnyway
Thu Feb 21, 2019 3:32 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4391
Views: 1145146

Re: What Movie Have You Recently Watched?

'Bohemian Rhapsody'. DW and I both loved it. DW said the critics didn't like it and indeed Rotten Tomatoes Critics is 59% and 49 on Metacritic but Audience is 93% and 85 respectively. I don't know if the critics missed the 70s and 80s and the HIV epidemic but it was a powerful depiction of the tria...
by SoAnyway
Thu Feb 21, 2019 2:42 am
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 149
Views: 9726

Re: Do others dislike Vanguard's new website as much as me?

I give Fidelity an "A" for its website. Vanguard and Chase get a B-. Interesting. I've had Vanguard and Fidelity accounts since the 90s. I've always loved the Vanguard site and *tolerated* Fidelity's. (I also had Schwab, but never mind that part....) I've always found V's website easier in terms of...
by SoAnyway
Thu Feb 21, 2019 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Tax mistake
Replies: 19
Views: 2140

Re: Tax mistake

Are you sure this letter is actually from the IRS and not some sort of scam? To the best of my knowledge, the IRS does not send out letters that say you owe them $X without explaining what they're changing. You said you paid them - are you sure they properly credited that payment and that this isn'...
by SoAnyway
Mon Feb 18, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Problems signing the tax return
Replies: 11
Views: 1154

Re: Problems signing the tax return

My Dad is competent, but has a Parkinsons-type illness so that he can hardly write his name. I am doing his tax return, but he isn't able to sign it in the tiny space it provides. This year's front page of the Form 1040 has a big space area covering half the page. Do you think it would be acceptabl...
by SoAnyway
Sun Feb 17, 2019 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: What net worth supersedes Bogleheads’s strategy
Replies: 123
Views: 10260

Re: What net worth supersedes Bogleheads’s strategy

Wife and I each make 150k-ish per year. Net worth at 35 1.4MM. save 175k/yr. if we get 8% returns over the next 65 years and no raises/promotions, that's nearly 500MM by age 100. I plan to live to 120, so could easily be a billionaire on two non-management individual contributor salaries at megacor...
by SoAnyway
Fri Feb 15, 2019 3:20 am
Forum: Personal Investments
Topic: glide-path in a declining market?
Replies: 13
Views: 1474

Re: glide-path in a declining market?

Congrats on being so close, OP!! :sharebeer I'm in exactly the same pre-retirement boat, and I feel your (high-class headache) pain. I was always a long-term, buy-and-hold investor. It's hard to make the switch and stop holding when it's all one's ever known. I won't pretend to have it all figured o...
by SoAnyway
Fri Feb 15, 2019 2:37 am
Forum: Personal Finance (Not Investing)
Topic: A different kind of midlife crisis
Replies: 60
Views: 7193

Re: A different kind of midlife crisis

The aging process hits everyone a little differently. I'm in a great spot professionally and enjoy my work (megacorp) although there are limited opportunities for advancement in my current role. I'm always looking 1-2 years down the road at the next opportunity and unsure if another megacorp will n...
by SoAnyway
Sat Feb 02, 2019 1:18 am
Forum: Personal Consumer Issues
Topic: Where you put silverware in buffet
Replies: 4
Views: 631

Re: Where you put silverware in buffet

Hi, I thought I might ask this here. I went to a nice buffet where the silverware/flatware was already on our table and not at the buffet with the plates. I knew what to do with the plates (i.e. leave the used plates at the side of the tables and the staff would clear them while I grabbed a new one...
by SoAnyway
Sat Feb 02, 2019 12:53 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 291
Views: 25410

Re: What lifestyle creep made you happier?

Moving to paradise has been one of the biggest fulfillment creeps of my entire life. Right now, at 8:30 in the morning, I'm marveling out my bedroom window at the moon dipping into the top of the mountains right in front of me. I have gobs of money to travel this year, yet no desire to go anywhere....
by SoAnyway
Fri Feb 01, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 798
Views: 77353

Re: What frugal thing did you do today?

Instead of drinking craft beer last night. I had Miller High Life. Much cheaper. I’m all for saving money, but sometimes you just need to draw the line and not get ridiculous. +1. Bearcub, MHL's marketing is great - Livin' the high life, etc. Which is precisely why you shouldn't be drinking MHL, ha...
by SoAnyway
Fri Feb 01, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 798
Views: 77353

Re: What frugal thing did you do today?

Since it has been like -20 here, spouse is out of town, and I haven't needed to really leave the house I cut back on showers this week. :shock: Hahaha.... We have a winner for the week. :sharebeer OP, I recommend you bathe before your spouse returns. As many threads on this forum have shown, divorc...
by SoAnyway
Fri Feb 01, 2019 11:08 pm
Forum: Personal Consumer Issues
Topic: 5 days in Hong Kong - Seeking travel tips
Replies: 23
Views: 1768

Re: 5 days in Hong Kong - Seeking travel tips

I'm not going to repeat the "must see" attractions since those are pretty well known. We spent a ton of time just going out without a concrete plan and wandering around the random markets, bars, malls, hole in the wall restaurants, universities, jewelry stores etc. Every time we went out there was ...
by SoAnyway
Thu Jan 31, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Looking for type of "personalty" test, etc.??
Replies: 25
Views: 1300

Re: Looking for type of "personalty" test, etc.??

Many years ago, at a previous employer, I attended a week long session related to personality types, etc. I am trying to recall the details now, but I cannot remember the exact title/etc. It was not a common "topic" - It had some similarities to Myers-Briggs - but not the same. I think it had the w...
by SoAnyway
Sun Jan 27, 2019 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Career Decision - Asking for help.
Replies: 30
Views: 2837

Re: Career Decision - Asking for help.

Why do you feel so tied to this company? How much equity do you have? Is there an acquisition/ IPO exit on the horizon? You have 10+ years of work / leadership experience across multiple professional functions, and you are only making $100k. Without some serious equity involved, they are taking adv...
by SoAnyway
Sun Jan 27, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Sec 199A business tax deduction
Replies: 46
Views: 2947

Re: Sec 199A business tax deduction

As of today Turbo Tax is not yet capable of dealing with this part of the new law. My question is has anyone found a way to work the numbers of their return to at least see if one qualifies and if so the value of the deduction? I'm not a TT user. However, since the rule change re. 199A deduction mi...
by SoAnyway
Sun Jan 27, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is a 20% pay raise at a new job ever not worth taking?
Replies: 24
Views: 2914

Re: Is a 30% pay raise at a new job ever not worth taking?

I'm turning 32 next month and I'm extremely wishy washy with the idea of progressing vs. coasting. Some days I want to be a hot shot, other days I'm so grateful I can get away with not using 100% of my brain. OP, the answer to the question in your thread title is "Yes". But the decisionmaker has to...
by SoAnyway
Sun Jan 27, 2019 10:13 pm
Forum: Personal Consumer Issues
Topic: Did I do a terrible purchase on a used car?
Replies: 38
Views: 3976

Re: Did I do a terrible purchase on a used car?

You've gotten great input from others here, OP. Bottom line: Don't sweat the small stuff. You got a fine deal, and assuming you're happy with the car, devote zero of your valuable time and mental/emotional energy wondering if you could've saved a thou here, 24 bucks there, or whatever. It's all wate...
by SoAnyway
Sat Jan 26, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Need advice coming out of bad situation
Replies: 49
Views: 4018

Re: Need advice coming out of bad situation

From a psychological perspective, the only reason.... ROFL. Thank you, OP. I believe that YOU believe everything you wrote, and I'm not here to argue with your amateur psychologist diagnosis. Didn't you say your degree's in engineering? :confused SoAnyway... You never answered my question about you...
by SoAnyway
Fri Jan 25, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice coming out of bad situation
Replies: 49
Views: 4018

Re: Need advice coming out of bad situation

OP, have you considered moving your marriage plans forward? If you complete this before March and choose a wealthy wife with a paid off home, it will eliminate both the need to save for a home down payment and borrowing from your 401K, plus eliminate your monthly rent payments. This will allow you ...
by SoAnyway
Fri Jan 25, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice coming out of bad situation
Replies: 49
Views: 4018

Re: Need advice coming out of bad situation

Owning a house does have it's costs, but you are delusional if you think I can't afford it. Between my future spouses' income and mine, it will be fairly easy. Not sure what you're saying about marriage. I'm not looking to argue on that matter - I know my value as a male, and based on the women I'v...
by SoAnyway
Fri Jan 25, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice coming out of bad situation
Replies: 49
Views: 4018

Re: Need advice coming out of bad situation

There isn't a nominal fee to break a lease. I'm responsible for the entirety of the payments if I want to terminate it. At $1750/month, that's not a small amount. The only other option would be to sublet, which isn't easy to do on short notice if a future employer were to have me relocate. In all l...
by SoAnyway
Tue Jan 22, 2019 11:16 pm
Forum: Personal Investments
Topic: Schwab Target Date Index Fund
Replies: 5
Views: 646

Re: Schwab Target Date Index Fund

Welcome to the forum, OP! You've just received the same advice I'd have given ^^^ - stated better and more succinctly than I could have. SoAnyway, and FAR more importantly, I DO hope you realize that the source of that guidance has WAY more authority on such matters. In short, you've just received t...
by SoAnyway
Tue Jan 22, 2019 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed: wife seeking new job to escape megacorp hell
Replies: 58
Views: 5660

Re: Help needed: wife seeking new job to escape megacorp hell

She needs to talk to the Manager of Human Resources (at her location or higher if that is possible) at the MegaCorp and tell them she wants a new better job that REQUIRES A MBA NOW. She needs to make it clear to HR that she will be taking a new job soon. ... get the HR people to tell her what those...
by SoAnyway
Tue Jan 22, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed: wife seeking new job to escape megacorp hell
Replies: 58
Views: 5660

Re: Help needed: wife seeking new job to escape megacorp hell

Perfect example for the younger readers on this forum NEVER expect to stay in the same job. If it happens great as you move up the chain of command, but don't expect it. My advice, is EVERY year be in contact with a head hunter that is involved in your line of work. Always look to jump ship for an ...
by SoAnyway
Sun Jan 20, 2019 11:58 pm
Forum: Personal Consumer Issues
Topic: Henderson, Nevada ?
Replies: 17
Views: 1675

Re: Henderson, Nevada ?

...my DH and have discussed having our snowbird home there, but decided to stay in the Palm Springs area because Henderson/ LV can get cold and windy in the winter and we come here to get warm... This one made me LOL, Gnirk. As my earlier post indicated, it all depends where OP is coming from. If f...
by SoAnyway
Sun Jan 20, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: Henderson, Nevada ?
Replies: 17
Views: 1675

Re: Henderson, Nevada ?

...Curious on the quality of healthcare, cost of living, housing, climate, part-time jobs etc. If you enjoy desert climate, LV area (incl. both Summerlin and Henderson) are worth considering. And if you're looking for "tax-friendly", zero state income tax vs. AZ and NM - tho' LV area has high sales...
by SoAnyway
Thu Jan 17, 2019 1:03 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50309

Re: John Bogle has died at age 89

I've been in shock/sadness/grief since hearing the news early this evening. As nisiprius said upthread, no words.... : o So instead, I've been sitting in shock and watching the posts from those stronger than I stack up here. Well over 500 posts in less than 8 hours thus far. SoAnyway, I'm ready to t...
by SoAnyway
Mon Jan 14, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: golf clubs
Replies: 17
Views: 1418

Re: golf clubs

Any thoughts on best value in buying new golf clubs? I agree with the others, OP - There's not enough info in your post to guide you. The advice to someone who's never swung a club in his/her life would be very different from the advice to the veteran with an established handicap who's in a climate...
by SoAnyway
Mon Jan 14, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Winter Getaway adventure trip recommendations
Replies: 13
Views: 794

Re: Winter Getaway adventure trip recommendations

I'm considering going some place with warm weather (around 60s+ daytime highs) in February within the continental US. Pretty open to ideas, but would probably want to camp, hike, and mountain bike or get out on some water - boating or stand up paddle boarding. Any recommendations? TL;DR the replies...