Search found 19 matches

by thankyouverymuch
Thu Dec 19, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 149626

Re: High Earners - What's Your Profession?

I wonder what some of the SoCal high earners think is the minimum household income needed to lead a comfortable but not extravagant life in Los Angeles? Where in Los Angeles? A house in a neighborhood with “good” schools could be $1 million or it could easily be $2 million or more, depending on you...
by thankyouverymuch
Sat Nov 09, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: 2020 IRS Limits Announced for 401(k)'s etc.
Replies: 28
Views: 4977

Re: 2020 IRS Limits Announced for 401(k)'s etc.

The age 50+ catchup contribution....I assume is in the year you turn 50? Correct: “Individuals who are age 50 or over at the end of the calendar year can make annual catch-up contributions.” Source: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-catch-up-contributi...
by thankyouverymuch
Wed Oct 09, 2019 11:28 pm
Forum: Investing - Theory, News & General
Topic: Episode 014: Bogleheads on Investing - guest Chris Mamula, host Rick Ferri
Replies: 6
Views: 1881

Re: Episode 014: Bogleheads on Investing - guest Chris Mamula, host Rick Ferri

Thank you very much for the excellent series of podcasts. I’ve listened to all of them. They have all been informative and entertaining. I’m new to the Bogleheads, and these podcasts have been a great introduction. Thanks!!
by thankyouverymuch
Tue Oct 08, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3505

Re: Returned first iPhone; are they all like this?

SpaethCo wrote:
Tue Oct 08, 2019 11:12 am
If you ever try an iPhone again, I think the feature you were looking for is "reader mode."
I wish Bogleheads.org worked better with Safari on iOS. Reader mode and/or dark mode would be nice for reading Bogleheads at night!?
by thankyouverymuch
Tue Sep 17, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 9600

Re: Alternatives to Subaru Outback?

The Outback is basically a raised and ruggedized station wagon. If (like me) you're considering a similar new vehicle, other such vehicles include the Audi Allroad, Buick Regal TourX, Volkswagen Golf Alltrack, and the Volvo V60 Cross Country and V90 Cross Country. The VW is being discontinued in 202...
by thankyouverymuch
Sun Sep 01, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: New Foreign Service Officer: Who do I talk to about State Domicile
Replies: 15
Views: 1760

Re: New Foreign Service Officer: Who do I talk to about State Domicile

Congratulations on becoming a Foreign Service Officer. That's not easy. And thanks for giving something back to your country. Best wishes for a successful career!
by thankyouverymuch
Sun Aug 25, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 3914

Re: Another car affordability question, YOLO vs. extreme FI

If it comes down to a choice between a new GTI and a new Golf R, be sure to consider the expected resale value of the two cars at the end of your expected ownership time. Check the prices of used 3/6/9-year old GTIs vs that year's Golf R(/32) equivalent? You might find that the total cost of ownersh...
by thankyouverymuch
Tue Aug 20, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7650

Re: Are there advantages to being married to a teacher?

SoCal teachers are paid pretty well!!! "The median salary for a full-time teacher in LAUSD — the midpoint at which half of all salaries are higher and half are lower — is $80,420, compared to $83,635 in Chicago. Teachers in Long Beach had a median salary of $94,285 that same year. [...] Full-time t...
by thankyouverymuch
Tue Aug 20, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7650

Re: Are there advantages to being married to a teacher?

Just to add to all the other good answers above: Teachers can be eligible for modest discounts on a wide range of goods and services, for example Apple computers, auto insurance, books, newspapers, office supplies, clothing, travel, etc. Here's one list of available teacher discounts: https://www.gi...
by thankyouverymuch
Fri Jul 26, 2019 2:12 am
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 73
Views: 7342

Re: Box wine- update and recommendations?

I was in Costco (Culver City) this past weekend and didn't see any wine in a box. Just bottles. I looked all around. (Inspired by this thread!) Did I miss them? Are they stocked in a different section from all the other wine? Thanks!
by thankyouverymuch
Fri Jul 26, 2019 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Decision to buy earthquake insurance
Replies: 40
Views: 2431

Re: Decision to buy earthquake insurance

You'd be wagering about $800 with a payout of approximately 300 to 1 if your house gets totaled in a quake? What are the odds that happening in the next year? Probably higher than 1 in 300? I'm in Southern California and live near a fault. I took the bet. I agree with the other posters above that if...
by thankyouverymuch
Wed Jul 17, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 73
Views: 7342

Re: Box wine- update and recommendations?

I feel a bit guilty letting half or more of a standard wine bottle go bad after a few days. You might want to look into a product like the Coravin? https://www.coravin.com It's basically a gadget with a needle you can use to extract a glass of wine through the cork, replacing the now-emptied space ...
by thankyouverymuch
Tue Jul 02, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 5600

Re: HCOL vs LCOL Dilemma

Re: “$1-1.2M to buy a house that meets our criteria of good public schools + safe community + a short commute” ... I’m sorry, but I’m not sure that’s a realistic budget for those criteria in Southern California, or Los Angeles at least. Have you researched houses and neighborhoods and actually found...
by thankyouverymuch
Sat Jun 22, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 9791

Re: Frugal or cheap?

Congratulations on the good decisions you've made to put you in the position to have this choice. For what it's worth, my wife and I raised three kids in a 1,400 square foot three-bedroom house. The only time it ever felt crowded was when we had overnight guests. A few bedrooms, a living room, a din...
by thankyouverymuch
Tue Apr 16, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 11864

Re: seriously thinking about leaving S. CA but where to?

Weatherspark.com is a great site for researching climate in different cities around the world. You can use the "compare" feature to see differences between any two cities. Also each city listing includes a list of other "comparable" cities around the world. Good luck!
https://weatherspark.com/
by thankyouverymuch
Sun Apr 07, 2019 11:12 pm
Forum: Personal Investments
Topic: Portfolio Review Request for New Boglehead: Thank You Very Much!
Replies: 7
Views: 809

Re: Portfolio Review Request for New Boglehead: Thank You Very Much!

It looks like you've pretty much optimized your portfolio, given your available choices. The 401k ER's aren't great, but they're not outrageous. I wouldn't increase stock allocation just because your bond fund choices are marginal (Vanguard's Intermediate Bond Index is also 25% BBB bonds, and I'd h...
by thankyouverymuch
Sun Apr 07, 2019 11:03 pm
Forum: Personal Investments
Topic: Portfolio Review Request for New Boglehead: Thank You Very Much!
Replies: 7
Views: 809

Re: Portfolio Review Request for New Boglehead: Thank You Very Much!

I would increase her 403b to the max ($25,000 not including employer match) regardless and not at the expense of backdoor Roth, if you can spare the $. Thanks Tenkuky. I agree that’s the rational thing to do. It’ll mean finding $1250 per month somewhere to cut from our expenses, but that’s a whole ...
by thankyouverymuch
Sun Apr 07, 2019 10:29 pm
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 16007

Re: International under-performance

Q1: Is there a particular reason for this sustained under-performance? In VG’s risk-reward nexus, they show Intl as the highest. But it seems for the past decade, it’s been high risk with very little reward. And yet, VG keeps upping its % Intl in its target-date funds. Q2: do BHs believe “reversion...
by thankyouverymuch
Sun Apr 07, 2019 9:03 pm
Forum: Personal Investments
Topic: Portfolio Review Request for New Boglehead: Thank You Very Much!
Replies: 7
Views: 809

Portfolio Review Request for New Boglehead: Thank You Very Much!

[Thanks everybody for the feedback. Now that the topic is old I'm editing this post to remove some of the financial details for privacy reasons.] Hello Bogleheads. Thank you for all your advice on all the other threads I’ve been reading. I wish I had found this site ten years ago! Please take a look...