Search found 373 matches

by SoAnyway
Tue Jun 18, 2019 1:25 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4523
Views: 1165832

Re: What Movie Have You Recently Watched?

If you haven't been to a movie in a few years, you should go. The digital projectors are incredibly sharp, film making has improved unbelievably, the sound is great, where we went they have lounge chairs that are far apart from others. You have reserved seats, so show up when you want, and it wasn'...
by SoAnyway
Tue Jun 18, 2019 1:01 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4523
Views: 1165832

Re: What Movie Have You Recently Watched?

We were in a small town with limited movie options. We were going to see Booksmart but after watching the trailer, decided against it. Instead, we watched A Dog's Journey which was excellent and was well worth the price of admission and tolerating a less than ideal Dolby system. It is highly recomm...
by SoAnyway
Mon Jun 17, 2019 12:40 am
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 30
Views: 2615

Re: Durable non-stick cookware suggestions?

For about thirty years or so, we had a stove with a traditional electric cooktop. A "good" brand, purchased new. Every piece of non-stick cookware we ever bought, any kind, cheap or expensive, lost its nonstick quality within a couple of years. At first my wife assumed that it was because I was usi...
by SoAnyway
Sat Jun 15, 2019 12:37 am
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 30
Views: 2615

Re: Durable non-stick cookware suggestions?

OP, I've not read all your posts but I've so appreciated those that I have read. They inspire me. :happy Sometimes they remind me of my younger self. As with Hedgefundie on this forum, you've clearly, uh, "lived a little", which I admire and respect, even if (or maybe because) - although I've always...
by SoAnyway
Tue Jun 11, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17516

Re: Are You Dumping Netflix?

TLDR - I'm surely missing something here. Sorry, Millennials - Please educate this GenXer. Who pays ANYTHING for TV/video entertainment these days?? :confused I get all the video entertainment I want for free via my own DVD library + my public library's services + YouTube + various network's websit...
by SoAnyway
Mon Jun 10, 2019 1:01 am
Forum: Personal Consumer Issues
Topic: Anyone recommend a cheap cell phone service for text and calls?
Replies: 24
Views: 2034

Re: Anyone recommend a cheap cell phone service for text and calls?

Sorry for your FIL's diagnosis, OP. I'm on AT&T prepaid - 30 bucks a month for unlimited talk + text, and a gig of data with unused data that rolls over to the next month. And I get 2% cash back due to the cc I use to pay it. Depending on your FIL's "use case" specifics, you might get a better deal ...
by SoAnyway
Mon Jun 10, 2019 12:39 am
Forum: Personal Consumer Issues
Topic: Recycling - questions and answers
Replies: 14
Views: 1441

Re: Recycling - questions and answers

Today, we are all bombarded with so much "stuff" that ends up as trash. it would be nice, for many reasons, if we could find ways of "recycling" things we do not need, as well as using things others discard. Here are some things I have either done or observed: 1. Our neighborhood email list often h...
by SoAnyway
Mon Jun 10, 2019 12:05 am
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 12984

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

Most humblebrag post I've seen in some time. The equivalent cost of this car for op at his income level would be like someone making 120k/year asking if 3.5k was too much to spend on their dream car. Hahaha. 1. OP, if you and your post are "for real", buy whatever you want and enjoy it! [off-topic ...
by SoAnyway
Sun Jun 09, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17516

Re: Are You Dumping Netflix?

TLDR - I'm surely missing something here. Sorry, Millennials - Please educate this GenXer. Who pays ANYTHING for TV/video entertainment these days?? :confused I get all the video entertainment I want for free via my own DVD library + my public library's services + YouTube + various network's website...
by SoAnyway
Thu Jun 06, 2019 12:15 am
Forum: Personal Investments
Topic: Problem at Vanguard?
Replies: 42
Views: 5241

Re: Problem at Vanguard?

OP here. I am not really concerned. It's just a bad habit I have to look. I'm a long-term investor; I rarely make a move. It was just something I noticed. Where I am (upstate NY) updates always occur at 6:30pm. I've heard that Vanguard monitors this site and it was just a reminder to them that peop...
by SoAnyway
Fri May 31, 2019 11:24 am
Forum: Personal Investments
Topic: Retirement Plan Portfolio Review
Replies: 9
Views: 985

Re: Retirement Plan Portfolio Review

I checked the tax calc, and I need $107k to net $85k. That's an enormous effective tax rate. Are you sure about the tax calculation? I would think the tax hit would be well under $10K, but maybe you live in an enormous state tax state. Thank you for your response livesoft. I am not sure about the c...
by SoAnyway
Fri May 31, 2019 1:33 am
Forum: Personal Investments
Topic: General Retirement Portfolio Review & Questions
Replies: 15
Views: 1464

Re: General Retirement Portfolio Review & Questions

Welcome to the forum, OP! :happy The good news: At your combined $75k income level in a high cost, high tax state, you and your spouse are doing an admirable job of saving. The bad news: As others have indicated, your "advisor" TDA sales guy is robbing you blind. Not only are you paying a ridiculous...
by SoAnyway
Wed May 29, 2019 1:11 am
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 64
Views: 5792

Re: Financial Movies and Shows

FYI -- many of the links to youtube in the original post are broke/removed. Not sure OP's still around - last active in 2015. It's a shame since it's a great topic and it'd be great to have a one-stop shop for titles without reading through all the posts. SoAnyway.... Would it be worth moving the l...
by SoAnyway
Wed May 29, 2019 12:47 am
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 64
Views: 5792

Re: Financial Movies and Shows

FYI -- many of the links to youtube in the original post are broke/removed. Not sure OP's still around - last active in 2015. It's a shame since it's a great topic and it'd be great to have a one-stop shop for titles without reading through all the posts. SoAnyway.... As another poster said - not t...
by SoAnyway
Sat May 18, 2019 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6576

Re: Do you reward yourself for achieving a financial goal?

So, anyway, my calling your name was semi-conscious. :D ; ) Cheers, my friend. :sharebeer Kona coffee is something I have given in on. It’s SO good, and so easy on the GI system, even if you drink it strong and black; it has become the standard cuppa here. I never buy expensive outside (eg Starbuck...
by SoAnyway
Fri May 17, 2019 11:47 pm
Forum: Personal Investments
Topic: Taxes and suggested Fidelity 3 fund portfolio
Replies: 11
Views: 1120

Re: Taxes and suggested Fidelity 3 fund portfolio

I think these are the only two funds that you will need. Agreed. You don't need a third fund in taxable, OP. If your bond allocation is in Roth or tax-deferred, you have your 3-fund portfolio and your funds are properly placed for tax efficiency. I've read in multiple places that the recommended 3 ...
by SoAnyway
Thu May 16, 2019 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6576

Re: Do you reward yourself for achieving a financial goal?

To Australia she should try business. We paid for business for the first time recently, and I'm not sure we can go back. To complicate matters, she’s going with our son. Many years ago, the family flew Business to London, spent a few days there, and then flew Coach to South Africa. Business class h...
by SoAnyway
Thu May 16, 2019 3:26 am
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 4718

Re: Careers in art

I have a music degree, but had a very successful career in tech. I could have had a decent career as a musician, but decided to have a life instead. One of my siblings has a music degree, and has a successful career in the insurance industry. Despite a degree from one of the top music schools, he k...
by SoAnyway
Thu May 16, 2019 2:12 am
Forum: Personal Investments
Topic: If you are already wealthy, what keeps you motivated?
Replies: 97
Views: 10451

Re: If you are already wealthy, what keeps you motivated?

I am in my late 30s. Here are my stats: - Own $2M in rental properties. Mortgage/property tax/insurance is $9,500/month. Rent is $12,500/month. Have a property manager. - Have $500 k in stocks - Have $450 k in cash - Have no debt (besides my rental properties) - Own a business/also 9-5 job = $275-3...
by SoAnyway
Thu May 16, 2019 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Concerned about getting laid off
Replies: 47
Views: 4770

Re: Concerned about getting laid off

It sounds like it is time to put your job search into high gear. If you find a really good job that is great, but if you don't you can try to ride out all the changes. This, OP. There's great wisdom in Watty's entire post should you choose to embrace it. Quick story: Back in the late '90s or early ...
by SoAnyway
Wed May 15, 2019 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: STATE TAXES: Predictor of Wealth Accumulation?
Replies: 21
Views: 2210

Re: STATE TAXES: Predictor of Wealth Accumulation?

+1. OP, you have to look at the entire picture. As someone recently pointed out in another thread, SF/SV are UHCOL and high-tax, but the salary levels and career opportunities in that geography (dep. on one's field) often far outweigh the benefits of being in a LCOL/low-tax area. To get closer to (...
by SoAnyway
Wed May 15, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6576

Re: Do you reward yourself for achieving a financial goal?

To answer the question in the thread title, no.
The "psychic reward" of knowing that I actually achieved my goal (financial or otherwise) IS the reward.
Next step: Set next "life goal" - whether time/$/physical- or emotional- or mental- health-related.
Rinse and repeat.
Happy, happy!! :happy
by SoAnyway
Wed May 15, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 4718

Re: Careers in art

Thanks for all of the subsequent replies. Not shockingly, there are some pretty diverse views. I actually let my daughter read the thread (a day or so ago). It was helpful and I think her takeaway was whichever route she goes it is probably a good idea to have a plan B, such as a dual degree, minor...
by SoAnyway
Wed May 15, 2019 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: STATE TAXES: Predictor of Wealth Accumulation?
Replies: 21
Views: 2210

Re: STATE TAXES: Predictor of Wealth Accumulation?

Yes, I think that makes sense. I just wanted to know if geographic arbitrage (to a lower tax, lower cost of living state) is a smart wealth accumulation strategy when you are younger (30s/40s) rather than later. The fact that no prediction exists make sense. My take home is basically, as you said, ...
by SoAnyway
Wed May 15, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: I accidentally retired, and need tax advice
Replies: 48
Views: 6273

Re: I accidentally retired, and need tax advice

It turns out that an error was made in the tax projection that prompted me to ask for help in this forum. Some capital gains from the previous year were not removed, but were instead doubled. I thought my tax liability was going to be over $22K. When this error was corrected, that number looks more...
by SoAnyway
Sun May 12, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: When did you realize it wasn't enough?
Replies: 33
Views: 7350

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) Sometime in my late 20s. (I'm early 50s now.) Also: 1. Did you panic? No. I recognized I had a loooonng time horizon.... 2...
by SoAnyway
Fri May 10, 2019 2:23 am
Forum: Personal Finance (Not Investing)
Topic: Pre-existing condition + insurance in retirement
Replies: 13
Views: 1388

Re: Pre-existing condition + insurance in retirement

I retired Jan 1 at age 53. Currently covered under my wife's insurance, which will turn to COBRA in July when she retires. We have lots of "pre-existing conditions". And we have no idea what our health insurance options will be even next year. My point is, do not waste a minute of your time worryin...
by SoAnyway
Fri May 10, 2019 1:50 am
Forum: Personal Consumer Issues
Topic: Prepaid iPhone for Light User
Replies: 12
Views: 1188

Re: Prepaid iPhone for Light User

OP, as far as the "spying" concern (I have the same) you need to distinguish between (1) the device vs. (2) the phone service/plan vs. (3) the apps you're using on the phone - which unsurprisingly - will likely have a relationship with Apple/Google/Amazon/whomever. Sadly, until our scholars in Congr...
by SoAnyway
Fri May 10, 2019 12:50 am
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 4363

Re: wedding gift value

My wife is probably a top 6 friend of hers but definitely not a top 3 friend. This friend is also doing a good amount better than us financially. I'm thinking an even $200 should be sufficient. Any opinions? OP, I'm Gen X so I don't "get" this whole thing of ranking my "Top 6" vs. my "Top 3" friend...
by SoAnyway
Thu May 09, 2019 11:36 pm
Forum: Personal Investments
Topic: Hedge against the decline of the Realtor profession
Replies: 48
Views: 4129

Re: Hedge against the decline of the Realtor profession

If someone in the Realtor profession wants to hedge against the decline of the residential real estate agent profession, what should they invest in? From what I have heard and seen, it is very likely that real estate agents will face major challenges in the next 5-10 years because of falling commis...
by SoAnyway
Sat Apr 20, 2019 10:45 pm
Forum: Personal Investments
Topic: Should I start doing Roth Conversions and if so
Replies: 89
Views: 6269

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: 6220

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: 818

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: 80
Views: 4981

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: 3055

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: 6392

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: 1340

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: 185
Views: 28027

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: 148
Views: 20729

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: 3813

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: 4117

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: 8243

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: 1685

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: 8243

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: 8243

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: 8137

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: 4523
Views: 1165832

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: 4523
Views: 1165832

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: 205
Views: 12095

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: 205
Views: 12095

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...