Search found 2498 matches

by Random Poster
Sat Jul 31, 2021 9:23 pm
Forum: Investing - Theory, News & General
Topic: Nice FIRE Net Worth Blog 2005-2015
Replies: 158
Views: 12678

Re: Nice FIRE Net Worth Blog 2005-2015

The historical results in BigERN's chart would be somewhat reassuring if current stock and bond valuations were approximately equal to historical averages. The current combination of high stock and bond market valuations is unprecedented, or nearly so. The historical record doesn't contain any data...
by Random Poster
Fri Jul 30, 2021 2:16 am
Forum: Personal Consumer Issues
Topic: Mountain west/upper midwest travel ideas
Replies: 22
Views: 1515

Re: Mountain west/upper midwest travel ideas

In Montana: Bozeman (lovely place, see museum of the Rockies, eat at the co-op, get a donut from Granny’s Gourmet Donuts, go to Three Forks and visit the headwaters of the Missouri state park), Helena (take a guided tour of the capitol and see the state museums), Kalispell/Whitefish (see Glacier, if...
by Random Poster
Tue Jul 27, 2021 4:28 pm
Forum: Personal Consumer Issues
Topic: No mail since Thursday - Informed Delivery reporting?
Replies: 20
Views: 1780

Re: No mail since Thursday - Informed Delivery reporting?

In my NM town, the local post office is intentionally not delivering mail on a daily basis, claiming that there is a lack of workers. So people end up getting a week’s worth of mail on Friday, or on Tuesday, or the like. Does that apply to packages (e.g. medicine)? It appears to apply to everything...
by Random Poster
Tue Jul 27, 2021 3:01 pm
Forum: Personal Consumer Issues
Topic: No mail since Thursday - Informed Delivery reporting?
Replies: 20
Views: 1780

Re: No mail since Thursday - Informed Delivery reporting?

In my NM town, the local post office is intentionally not delivering mail on a daily basis, claiming that there is a lack of workers.

So people end up getting a week’s worth of mail on Friday, or on Tuesday, or the like.
by Random Poster
Sun Jul 25, 2021 6:47 pm
Forum: Personal Consumer Issues
Topic: 2022 Ford Maverick Megathread...;-)
Replies: 117
Views: 10859

Re: 2022 Ford Maverick Megathread...;-)

For those who have, or who are interested in, a pickup, how do you all transport groceries or luggage in them?

Particularly in the summer heat, spring rains, or winter snows, when all of the interior space is occupied?
by Random Poster
Sat Jul 24, 2021 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to change careers, but feel stuck. Dissatisfied with life.
Replies: 51
Views: 6583

Re: Looking to change careers, but feel stuck. Dissatisfied with life.

If you want to stay in the legal field and if you like finance/investment issues, think about going into tax law. Would probably need to get an LLM, so there that, but it might be an interesting career change. Or just ditch the law degree and reconsider what you wanted to be when you were younger an...
by Random Poster
Sat Jul 24, 2021 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgages in Canada
Replies: 2
Views: 291

Re: Mortgages in Canada

I am unable to help with your question, but wanted to reply simply to say that I like your username. How Canadian. Although, as an aside, you might want to post at calgarypuck; it isn’t an investment focused forum, but you might get some insight by posting in the “off topic” sub forum. Diverse group...
by Random Poster
Thu Jul 22, 2021 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring Early Just on Savings (i.e. No Significant Pension or SS) mitigating market risks
Replies: 36
Views: 5287

Re: Retiring Early Just on Savings (i.e. No Significant Pension or SS) mitigating market risks

Here’s what I’m doing (aged mid 40s): Aim for a 50/50 portfolio (although it is now more like 57/43); Try not to spend very much—no debt, paid off house, no expensive hobbies; Aim for a 2.5% or lower withdrawal rate—ideally only spend what I get from dividends and interest from the taxable account a...
by Random Poster
Wed Jul 14, 2021 8:16 pm
Forum: Personal Consumer Issues
Topic: thoughts on southern CO road trip in August
Replies: 45
Views: 3313

Re: thoughts on southern CO road trip in August

Colorado13 wrote: Wed Jul 14, 2021 3:44 pm
howard71 wrote: Wed Jul 14, 2021 2:59 pm
4.) Most scenic part of the trip was on I-70 just a couple of hours before Denver. Forget the name of the city, something Springs, but it was pretty nice.

4. Idaho Springs most likely.
Not Glenwood Springs?
by Random Poster
Wed Jul 14, 2021 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Return to Work - How is your company dealing with it?
Replies: 323
Views: 38695

Re: Return to Work - How is your company dealing with it?

BIglaw firm. We are supposed to be in the office at least 40% of the time starting Labor Day - it's very unclear how that will be calculated or enforced. We're warned about (and on our own about) making sure we don't violate any state unauthorized practice rules by working from home. I'm going to h...
by Random Poster
Sat Jul 10, 2021 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 282
Views: 25476

Re: How quickly did you receive your 2020 tax refund?

magpiejst wrote: Sat Jul 10, 2021 9:10 am
so we have to declare the interest on 2021 tax?
Yes.
by Random Poster
Sat Jul 10, 2021 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended Car Insurance Limits?
Replies: 50
Views: 5044

Re: Recommended Car Insurance Limits?

Not a homeowner, so I think that makes me ineligible for an umbrella policy [Guess I'd have to check with my ins. provider--which is State Farm, if that makes a difference]. I honestly don’t know the answer to your questions, but I tend to go with “whatever makes you feel comfortable,” which for me...
by Random Poster
Thu Jul 08, 2021 1:25 pm
Forum: Personal Consumer Issues
Topic: Fighting the Urge on Bathroom Remodels
Replies: 60
Views: 5845

Re: Fighting the Urge on Bathroom Remodels

I think everything looks fine, but agree about the toilets and maybe the cabinet doors, but I bet that those are solid wood and feel hefty upon closing.

But I really like the blue tile floor. I would not get rid of that, as long as the grout is good.
by Random Poster
Tue Jul 06, 2021 9:17 pm
Forum: Investing - Theory, News & General
Topic: Whence inflation?
Replies: 244
Views: 21966

Re: Whence inflation?

There was also a cost to change the size of Tillamook ice cream containers from 56 oz to 48 oz to keep the price of a carton the same (for those keeping track at home, that's a 15% price increase.) Plus the cost of all the coupons for one free ice cream container that Tillamook sent out to everyone...
by Random Poster
Sat Jul 03, 2021 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 282
Views: 25476

Re: How quickly did you receive your 2020 tax refund?

Received refund today.

Filed a paper return in mid-March.

Refund came with around $29 in interest.
by Random Poster
Sat Jul 03, 2021 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: What is your only money regret?
Replies: 166
Views: 16719

Re: What is your only money regret?

Not earning (or having) more of it.

I can’t be the only one with that one.
by Random Poster
Fri Jul 02, 2021 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: ACA, Unemployment, Changing Insurance, and Excess HSA Contribution
Replies: 6
Views: 560

Re: ACA, Unemployment, Changing Insurance, and Excess HSA Contribution

Are you saying only some exchange plans get this cost reduction? I don’t know all the details, but all of the plans get the additional subsidy applied; however, I think that only the silver plans get cost sharing reductions. I went from a bronze HDHP plan that cost $425-ish a month (with a $200-ish...
by Random Poster
Fri Jul 02, 2021 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: ACA, Unemployment, Changing Insurance, and Excess HSA Contribution
Replies: 6
Views: 560

Re: ACA, Unemployment, Changing Insurance, and Excess HSA Contribution

The 6% excise tax on excess contributions only applies if they are left in the HSA account past your tax deadline. Be sure the custodian processes this as a return of excess contribution, don't just take the excess out yourself because then it will be considered a normal (but not qualified) distrib...
by Random Poster
Fri Jul 02, 2021 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: ACA, Unemployment, Changing Insurance, and Excess HSA Contribution
Replies: 6
Views: 560

Re: ACA, Unemployment, Changing Insurance, and Excess HSA Contribution

Right. You have an excess contribution for this year because you were only an eligible person for 7/12 months but you made the full contribution. Just have Fidelity remove the excess contribution (and it's earnings) now and you won't have an issue. Thank you. To clarify, if Fidelity removes the exc...
by Random Poster
Fri Jul 02, 2021 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: ACA, Unemployment, Changing Insurance, and Excess HSA Contribution
Replies: 6
Views: 560

ACA, Unemployment, Changing Insurance, and Excess HSA Contribution

Last year, during ACA open enrollment, I picked a HDHP plan on the exchange and, on January 2nd or so of 2021, contributed the full $7200 (for me and my spouse) to an HSA at Fidelity. I was on unemployment this year (and last year, but that doesn’t matter). The CARES Act’s health insurance unemploym...
by Random Poster
Wed Jun 30, 2021 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Is this job offer ruined?
Replies: 134
Views: 16816

Re: Is this job offer ruined?

I’ve never known a company that doesn’t at least try (through their employees) to negotiate pricing when it comes to vendors or getting work from others. But yet the same companies seem to get completely baffled and perhaps outright offended when potential employees try to negotiate their own compen...
by Random Poster
Mon Jun 21, 2021 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Premium Surprise.
Replies: 17
Views: 3026

Re: ACA Premium Surprise.

and you are correct. Our $1,167 premium is now $0 with no deductible because my wife was on UI for a few weeks in March. Thanks American Rescue Plan. I need to get on that deal. Last I checked though, the unemployment reduction hadn’t been implemented though. Guess things have changed since May? I ...
by Random Poster
Thu Jun 17, 2021 4:14 pm
Forum: Personal Consumer Issues
Topic: World Cruise Recommendations
Replies: 38
Views: 2441

Re: World Cruise Recommendations

I've never had such a ticket but my understanding was that you have change fees, so "as long as you want" does involved added costs. It is possible that things have changed, but my ticket was through the OneWorld alliance (American Airlines, British Airlines, QANTAS, Cathay, etc) and ther...
by Random Poster
Thu Jun 17, 2021 2:59 pm
Forum: Personal Consumer Issues
Topic: World Cruise Recommendations
Replies: 38
Views: 2441

Re: World Cruise Recommendations

I am not a "cruise person" but one of the drawbacks of a cruise is that you are mostly limited to things that are near the coast. If you are going to the Caribbean and enjoy seeing different beaches that is OK but you might be missing out on a lot of the inland attractions with an around ...
by Random Poster
Wed Jun 16, 2021 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Remodel - Architect Contract / Liability?
Replies: 7
Views: 696

Re: Remodel - Architect Contract / Liability?

No idea if that is normal or not. But in my prior line of work, I’d always argue that such a clause didn’t properly incentivize the vendor to not screw up, as the most they’d be out is just their time, and so I’d push that the liability cap should at least be some multiple of the amount paid—that wa...
by Random Poster
Wed Jun 16, 2021 2:14 pm
Forum: Personal Investments
Topic: Hit my "number" (I think)...now what?
Replies: 103
Views: 10170

Re: Hit my "number" (I think)...now what?

Why do you multiply by two random numbers? Why didn't you just pick a bigger random number in the first place? I don’t think that they are random numbers. The first calculation is to say, “well, what if my spending increases by 25 to 50 percent—what would that mean?”, mostly to account for things t...
by Random Poster
Wed Jun 16, 2021 1:36 pm
Forum: Personal Investments
Topic: Hit my "number" (I think)...now what?
Replies: 103
Views: 10170

Re: Hit my "number" (I think)...now what?

Of the 5.5k we spend today, more than half is rent. We live outside of Seattle so its VHCOL area. One thing we're considering once we retire is to move to a slightly less expensive area outside of the city which will cut down on our rent a little (~200-500/mo). Health insurance is the new rent. Usi...
by Random Poster
Wed Jun 16, 2021 1:05 pm
Forum: Personal Investments
Topic: Hit my "number" (I think)...now what?
Replies: 103
Views: 10170

Re: Hit my "number" (I think)...now what?

For starters, we chose a number thats higher than our currently monthly expenses by a fairly large amount (~3.5k/mo extra over required spending) to account for things like healthcare, vehicle purchases, taxes, etc. I feel that is done correctly but wonder if I missed something. Then given I'm usin...
by Random Poster
Mon Jun 14, 2021 3:34 pm
Forum: Personal Consumer Issues
Topic: Afternoon tea in Boston?? Where??
Replies: 27
Views: 2293

Re: Afternoon tea in Boston?? Where??

The Fairmont might still offer it.
by Random Poster
Sun Jun 13, 2021 4:10 pm
Forum: Personal Investments
Topic: So tempted to pull the trigger and Retire
Replies: 61
Views: 7052

Re: So tempted to pull the trigger and Retire

It could probably be done, but I wouldn’t want to do it and I wouldn’t recommend others do it either. Discount your investment amount by at least 15% to account for a market decline and increase your spend by at least 20% to account for miscellaneous stuff that pops up, one-off lumpy expenses, and s...
by Random Poster
Sat Jun 12, 2021 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 201
Views: 19811

Re: which state to retire

Look into NW Arkansas, don’t poopoo it till you visit, great outdoors activity - thanks mostly to Walton family money, if you are a bicyclist you already know about the many miles of world class trails, art your thing - look up Crystal Bridges (Alice Walton pet project) for living look into Bella V...
by Random Poster
Fri Jun 11, 2021 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 201
Views: 19811

Re: which state to retire

1) mild weather 2) low crime rate 3) low/moderate cost of living 4) liberal organic living with focus on wellness 5) good health care 6) tax friendly The requires overlaying a political map with a climate map. Other maps including the tax map are more complex. If you have to pick a state , then you...
by Random Poster
Wed Jun 09, 2021 5:14 pm
Forum: US Chapters
Topic: New Mexico Bogleheads Meet Up - Abq / Santa Fe
Replies: 3
Views: 2740

Re: New Mexico Bogleheads Meet Up - Abq / Santa Fe

Bump... Expanding geographical proximity to include Los Lunas and Amarillo too. I'd love to meet a Boglehead residing in Amarillo! How about one who used to live in Amarillo but now lives in Santa Fe? Honestly, though, I try to be a relatively private person and the thought of intentionally meeting...
by Random Poster
Wed Jun 09, 2021 5:07 pm
Forum: Investing - Theory, News & General
Topic: Super Wealthy: Never Sell = No Capital Gains Strategy?
Replies: 41
Views: 3681

Re: Ultra rich avoiding taxes (Propublica leak)

I do this. It's simple. I have a loan management account through Merrill, where I hold my stocks. They will loan me up to 65% of my stock value at a 1.5% interest rate. It's simple and I have a checkbook that I can use to access the money whenever I need it. If you use any of the loan proceeds (say...
by Random Poster
Sat Jun 05, 2021 9:02 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on a hotel per night on a family vacation?
Replies: 132
Views: 13932

Re: How much do you spend on a hotel per night on a family vacation?

Mid-tier US cities? I’ve never spent more than $225; usually in the $150 range, almost always in the Hilton family of hotel chains. Net worth is immaterial. I’m not going to pay $400 for a hotel room in the middle of America. But, to be honest, I have spent $400+ on hotel rooms multiple times in Ban...
by Random Poster
Sat Jun 05, 2021 6:22 pm
Forum: Personal Consumer Issues
Topic: Potential Relocation to Austin - Should We Do It?
Replies: 123
Views: 9298

Re: Potential Relocation to Austin - Should We Do It?

There is an article about the housing market in Texas Monthly magazine. Saw it on Apple news, but not sure how to link to it here.

Anyway, it is worth a read. Talks about Austin and California.
by Random Poster
Wed Jun 02, 2021 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Premium Surprise.
Replies: 17
Views: 3026

Re: ACA Premium Surprise.

Did you have unemployment compensation this year?

Supposedly those on unemployment are supposed to get some income calculation breaks on the ACA, but I don’t think they have been implemented yet (or, at least, they don’t seem to be for me).
by Random Poster
Wed Jun 02, 2021 7:42 pm
Forum: Investing - Theory, News & General
Topic: What Are People Doing with their Oil and Natural Gas Stocks
Replies: 95
Views: 8966

Re: What Are People Doing with their Oil and Natural Gas Stocks

helloeveryone wrote: Wed Jun 02, 2021 6:34 pm
Thank you! and capital gains or losses would get reported as part of both processes?
Yes, they should.
by Random Poster
Wed Jun 02, 2021 3:51 pm
Forum: Personal Consumer Issues
Topic: Potential Relocation to Austin - Should We Do It?
Replies: 123
Views: 9298

Re: Potential Relocation to Austin - Should We Do It?

Texas isn’t as cheap as it likes to portray itself as, and Austin is very expensive and has way too many people. A 30 minute commute in Austin likely puts your residence about 5 miles from the office. I kid, but only a little. To each their own, but I have never understood the hype and appeal of Aus...
by Random Poster
Wed Jun 02, 2021 3:46 pm
Forum: Investing - Theory, News & General
Topic: What Are People Doing with their Oil and Natural Gas Stocks
Replies: 95
Views: 8966

Re: What Are People Doing with their Oil and Natural Gas Stocks

"In hopes that the company gets bought out and I make a bit of money off of the shares. " Curious as to how this works... So if company X buys your former company - do the shares of stocks you owned in your stock account disappear and you get the price per stock that the buyout company pa...
by Random Poster
Tue Jun 01, 2021 1:25 pm
Forum: Investing - Theory, News & General
Topic: What Are People Doing with their Oil and Natural Gas Stocks
Replies: 95
Views: 8966

Re: What Are People Doing with their Oil and Natural Gas Stocks

I have a few shares of stock in my ex-employer’s company (an E&P company that used to be a lot larger). It is my only individual stock holding, as everything else is in index funds, and amounts to less than 1/2 of a percent of my net worth. I am keeping these shares for only three reasons: 1) To...
by Random Poster
Wed May 26, 2021 8:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard votes on Exxon board members
Replies: 104
Views: 6204

Re: Vanguard votes on Exxon board members

I don’t recall ever getting the chance to vote for a Vanguard director. Maybe I have; I just don’t remember doing so. But it seems to me that, as an index investor, Vanguard should send out proxy votes to all of the index holders, with the votes for each company being in proportion to the number of ...
by Random Poster
Wed May 26, 2021 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: What next: Hospital waived the bill under their financial assistance program
Replies: 24
Views: 2684

Re: What next: Hospital waived the bill under their financial assistance program

I guess I’d ask the hospital for a written bill that shows the charge-off (and resulting zero balance) and, after receiving such a bill, be done with the matter and not worry about it again.
by Random Poster
Mon May 24, 2021 3:07 pm
Forum: Personal Consumer Issues
Topic: Slow ‘n Sear: Basic or Deluxe Model?
Replies: 3
Views: 630

Slow ‘n Sear: Basic or Deluxe Model?

There seems to be many BBQ enthusiasts here, hence my question: Is it better to get the the original or the deluxe version of the Slow ‘n Sear for a Weber 22” kettle grill? Research on the internet does not indicate a clear answer either way, but I’m a complete novice when it comes to grilling and b...
by Random Poster
Fri May 14, 2021 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: How many years of expenses did you save for before you retired?
Replies: 58
Views: 6635

Re: How many years of expenses did you save for before you retired?

Anywhere from 40x to 70x, depending on the actual expense number used (I’m still working that part out). Age is low to mid 40s.
by Random Poster
Wed May 12, 2021 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Seller wants to back out contract
Replies: 46
Views: 5589

Re: Seller wants to back out contract

I’m inclined to ask for first right of refusal at current price Why at the current price? The market may go down. Seems to me that there should be a sort of penalty discount, say, 10% or 15%, applied, so that they either sell it to you now at the agreed price, or give you the right to buy it later ...
by Random Poster
Wed May 12, 2021 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Seller wants to back out contract
Replies: 46
Views: 5589

Re: Seller wants to back out contract

I’m inclined to ask for first right of refusal at current price Why at the current price? The market may go down. Seems to me that there should be a sort of penalty discount, say, 10% or 15%, applied, so that they either sell it to you now at the agreed price, or give you the right to buy it later ...
by Random Poster
Tue May 11, 2021 1:30 pm
Forum: Personal Consumer Issues
Topic: Moving companies
Replies: 19
Views: 1684

Re: Moving companies

Honestly, U-Haul.

Pack it all yourself on your timetable, hire a loading crew to put it all in the truck, and unload it yourself at the destination.

The DIY move is the only one where I never had any damage to my stuff.
by Random Poster
Sun May 09, 2021 1:18 pm
Forum: Personal Consumer Issues
Topic: What "substantial" issues have you seen/heard of housing inspections flagging
Replies: 63
Views: 5515

Re: What "substantial" issues have you seen/heard of housing inspections flagging

I’ve never had an inspection that was of any value and didn’t bother with my last house purchase. They will caveat out anything important. Everything thing else, you could uncover yourself if you are moderately handy. Maybe for a general inspection, but a radon inspection isn’t something that can u...
by Random Poster
Tue May 04, 2021 1:56 pm
Forum: Personal Consumer Issues
Topic: Streaming TV services?
Replies: 19
Views: 2312

Re: Streaming TV services?

For whatever it is worth, some local tv stations stream their newscasts for free as well. Just search for the local station on the streaming service (like Roku) and add the channel/app to the home screen.