Search found 39 matches

by Glasgow
Tue Nov 07, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: At-fault insurance's estimate different from bodyshop's
Replies: 21
Views: 1121

Re: At-fault insurance's estimate different from bodyshop's

As earlier plan, I asked adjuster and bodyshop to reconcile the difference. Adjuster worked with the shop rep who then agreed to update his estimate to align with adjuster's. It's a 100% that there'll be supplemental work order once shop removing damage parts and more damages will reveal. He sent me...
by Glasgow
Mon Nov 06, 2017 3:35 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12871

Re: Why make more money?

Once I'm FI and still have a well-paid job, I can cash flow remodeling kitchen, enhancing back/front yard landscape, buying new car and things I want before I retire. Once retired, spending money on those would be hard to swallow. So if I'm FI, I'll be ready for retirement in the next 5 years.
by Glasgow
Sat Nov 04, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: At-fault insurance's estimate different from bodyshop's
Replies: 21
Views: 1121

Re: At-fault insurance's estimate different from bodyshop's

Thanks all. Your above advices are what I am looking for. Yes, I informed my insurance first right after the accident, and I chose to claim with the other side's insurance. I'll have the adjuster talk to the shop early next week to resolve this and thry together come up with the updated work authori...
by Glasgow
Sat Nov 04, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: At-fault insurance's estimate different from bodyshop's
Replies: 21
Views: 1121

Re: At-fault insurance's estimate different from bodyshop's

I do have collision coverage. Part estimate from insurance is just a few hundreds dollars apart compared to difference in labor amount which is in high $2k. What I can do about that? Should I invite adjuster to the shop so we can have 3-way discussion? Or should I ask the shop to rewrite the estimat...
by Glasgow
Fri Nov 03, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: At-fault insurance's estimate different from bodyshop's
Replies: 21
Views: 1121

Re: At-fault insurance's estimate different from bodyshop's

Thanks Dan. Did you imply that I can sign the shop's estimate and authorize the work that cost $3k? What I am afraid is insurance wouldn't accept that. Also, both bodyshop and insurance have estimates from both sides.
by Glasgow
Fri Nov 03, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: At-fault insurance's estimate different from bodyshop's
Replies: 21
Views: 1121

At-fault insurance's estimate different from bodyshop's

Got a rear ended while waiting at traffic light. I've got an estimate from a bodyshop and today from at-fault insurance after they visited me. The estimate from the insurance was $8.3K and the shop was $11.4K. The shop said I could go ahead and sign their work authorization to get the parts in as so...
by Glasgow
Wed Oct 11, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: equifax security freeze error and no PIN?
Replies: 15
Views: 733

Re: equifax security freeze error and no PIN?

I experienced the same problem as OP did. What I had to do was sending them a written notice with all my info they state on their website. Few weeks later, they responded and asked me to unlock my credit. :confused I was wondering at first but then I figured perhaps they asked for $10 unfreezing fee...
by Glasgow
Tue Oct 10, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 56
Views: 4553

Re: WiFi

Google Wifi. Easy to set up and pause any device I want remotely from my phone.
Coverage is fantastic.
All in all easy to use and very robust.
by Glasgow
Tue Aug 08, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 18407

Re: Life at crossroads. What would you do ?

I'd take the job with 3-hr drive. Rather grab something available on the table than nothing promised ahead. Once unemployment worrisome and financial matters are taken care of, you can think about looking for job in hometown 12 months from now.
by Glasgow
Fri Jul 07, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Paid off the Mortgage!
Replies: 73
Views: 5857

Re: Paid off the Mortgage!

Congratulations!
Fund more to taxable and 529.
by Glasgow
Fri Jul 07, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10809

Re: Last 80 minutes of my career

Congratulations bikechuck!
by Glasgow
Thu Jun 08, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x
Replies: 25
Views: 2388

Resolved: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x

Finally, we asked our new tax preparer to create 1040x for 3 years and sent to IRS. Got letter from IRS saying no action taken. Problem solved.
by Glasgow
Thu Jun 08, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Internal transfer for similar role
Replies: 6
Views: 626

Re: Mulling the idea applying for similar role with more responsibilities in different division

BogleAlltheWay wrote:In terms of waiting, I meant your different responsibilities at your current position.
I also have this on the plan. I'm current doing assessment, not applying.
by Glasgow
Thu Jun 08, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 8366

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

No. I don't. The only stock I'd own is BRK. Otherwise, keep contributing to S&P500 fund whether it's up or down. I've heard my co-workers talk about trading on TSLA, AAPL. etc, but I also heard they talk about their loss carryover for the last few years.
by Glasgow
Thu Jun 08, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Internal transfer for similar role
Replies: 6
Views: 626

Internal transfer for similar role

You might also want to practice being direct, concise, and focused in your professional communications. Yes. I do agree. It exceeded my word count budget by 2 magnitudes :wink: compared to my daily emails. On forum, I really like to write whatever on my mind at the moment. I found it's fun though. ...
by Glasgow
Thu Jun 08, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Internal transfer for similar role
Replies: 6
Views: 626

Internal transfer for similar role

Post edited to make it short I'm about to finish current project I'm managing and no other project is on the horizon. I see a similar role in a different division with a lot more responsibilities. Pay maybe the same as it's based in LCOL area but I plan to work remote from where I'm now. How do I ap...
by Glasgow
Fri Nov 11, 2016 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x
Replies: 25
Views: 2388

Re: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x

It is possible the IRS has gotten so many naked Forms 8606 that they have decided to change their procedure and require the 1040x. I'm not aware of any written IRS policy that ever allowed the separate filing of Form 8606 for a prior year after the 1040 has been filed for that year, suggesting that...
by Glasgow
Fri Nov 11, 2016 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x
Replies: 25
Views: 2388

Re: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x

How did you prepare your tax returns for 2013, 2014 and 2015? If you used a tax preparer, the tax questionnaire must have asked if you contributed to IRA. If you prepared returns yourself on paper or using tax software, you may have forgotten to enter the IRA contribution. If IRA contribution is en...
by Glasgow
Fri Nov 11, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x
Replies: 25
Views: 2388

Re: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x

Good thinking. I proactively sent in without being asked. Probably they think that it's the amount I owed them because of the change in 1040 filing. Yes. I'll include those $150 in explanation letter as well as the penalty, not due to tax change.
by Glasgow
Fri Nov 11, 2016 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x
Replies: 25
Views: 2388

Re: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x

I sent them in July 2016 with $50 penalty for each year 8606. (3 years = $150) :-)
by Glasgow
Fri Nov 11, 2016 1:17 am
Forum: Investing - Help with Personal Investments
Topic: Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x
Replies: 25
Views: 2388

Submitted Form 8606 for Non-deductible IRA and IRS asks for 1040x

In 2014, I opened an after-tax non-deductible IRA account which I had planned to do backdoor Roth IRA conversion (I still have not performed the conversion). I contributed $5500 for the year 2013 and another $5500 for 2014. In 2015 I contributed another $5500 The total is $16500 for year 2013, 2014 ...
by Glasgow
Thu Nov 21, 2013 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed in my pay off for my home today!
Replies: 26
Views: 2655

Re: Mailed in my pay off for my home today!

Congratulations!
It feels good. :-)
by Glasgow
Sat Nov 16, 2013 12:50 pm
Forum: Personal Consumer Issues
Topic: Help for cleaning my windshield, please!
Replies: 29
Views: 6451

Re: Help for cleaning my windshield, please!

Pray Windex or your favorite glass cleaner on your windshield.
Use single edge razor blade and scrape it.

I clean my glass stall shower every year with this technique and the glass looks as good as new. Give it a try and I'm sure you'll happy with your result.
by Glasgow
Mon Nov 11, 2013 9:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: A thank-you to veterans
Replies: 32
Views: 1872

Re: A thank-you to veterans

Thank you for your service. I'm very grateful.
Sincerely.
by Glasgow
Thu Sep 27, 2012 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Computers & Laptops
Replies: 55
Views: 4904

Re: Apple Computers & Laptops

I have 2011 Lenovo X220 i5 CPU w/ Windows 7 OS (work) and 2009 Unibody MacBook Core2Duo w/ Lion OS (home) which I upgraded to 8GB RAM and 256GB SSD. I like both in terms of hardware build and quality. However, here are the thing I like and don't like on each: Lenovo: Like: - Solid built quality and ...
by Glasgow
Fri Aug 24, 2012 7:21 am
Forum: Personal Consumer Issues
Topic: Factory Extended Warranty for an expensive, unreliable car?
Replies: 37
Views: 3243

Re: Factory Extended Warranty for an expensive, unreliable c

OnFire, Here is BMW Bulletin regarding extended warranty for HPFP: ======= This Service Information bulletin supersedes SI B13 03 09 dated April 2010. designates changes to this revision SUBJECT N54 Special Limited High-pressure Pump (HDP) Emissions Warranty of 10 Years/120,000 Miles MODEL MY 2007, ...
by Glasgow
Fri Aug 17, 2012 12:49 am
Forum: Personal Consumer Issues
Topic: How to deal with hiring tenant's son to do works on rental
Replies: 2
Views: 731

How to deal with hiring tenant's son to do works on rental

I would like to turn to Bogleheads for advise. Here is the situation: My tenant, who is a quite a reasonable lady in the 60, has a son around 40 living with her and he's a general contractor. I asked him to fix the stair and lay the laminate floor, and he did it half way and asked me to come by to t...
by Glasgow
Sat Apr 28, 2012 7:43 pm
Forum: Personal Consumer Issues
Topic: Laptop Advice Needed
Replies: 57
Views: 5900

Re: Laptop Advice Needed

I found this $279 deal at microcenter:
http://www.microcenter.com/single_produ ... id=0386509
by Glasgow
Tue Mar 13, 2012 12:30 am
Forum: Investing - Help with Personal Investments
Topic: Goal: Retire by 50
Replies: 108
Views: 10453

Re: Goal: Retire by 50

Kids without skin in the game are the most likely to be slackers. My parents paid Zero for my college (undergrad and graduate school) and it taught me the value of a dollar and got my non-ambitious arse working part time in my field of expertise. While I think paying Zero is a bit extreme, I think ...
by Glasgow
Sat Feb 04, 2012 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: What skills to learn to improve career options?
Replies: 29
Views: 2740

Re: What skills to learn to improve career options?

IMO, negotiation skill is the most important.
by Glasgow
Thu Jan 12, 2012 3:03 pm
Forum: Personal Consumer Issues
Topic: Do you own Apple products?
Replies: 114
Views: 7763

Re: Do you own Apple products?

Apple products might be overpriced in the past, but I think it might not be the case anymore. Mac OSX: <$40/pop vs. Win7 $99/pop MacBookAir vs. Asus Zenbook UX31E. It's tough for Asus to lower the price. For other mfr, cost would left them no margin or even lost if they try to make the same product ...
by Glasgow
Sun Jan 08, 2012 12:35 am
Forum: Personal Consumer Issues
Topic: Top 10 websites you view daily/semi-daily
Replies: 53
Views: 6839

Re: Top 10 websites you view daily/semi-daily

bogleheads.org
design-reuse.com
vanguard.com
mai.yahoo.com
macnn.com
9to5mac.com
macrumors.com
finance.yahoo.com
by Glasgow
Sun Jan 08, 2012 12:25 am
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 12499

Re: Cutting the cord on Cable

After my 2-yr contract finished over Christmas time, I cut the cord. Here is what I've done: Got RCA ANT1450B indoor antenna (with video amplifier included) and fed it to main input of cable hub and distributed it throughout the house. Cartoon, movie and documentary are streamed from NetFlix ($8/mon...
by Glasgow
Thu May 12, 2011 7:53 pm
Forum: Investing - Theory, News & General
Topic: Your worst investing mistake
Replies: 108
Views: 17552

Thank you all for sharing your mistake. I do have too.
As I've observed, you've done better since then. Can you please share what have you done specifically? For example, buying ABC ETF Funds, etc.?
Many thanks!
by Glasgow
Fri Feb 25, 2011 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Cash in all stocks, need advice on paying off mortgages
Replies: 8
Views: 1415

YDNAL,
After posting the previous post, I talked to my wife and parents, and we're all very happy with the decision.
We all feel very relief and fulfilled :)
Whatever happens to the other two houses down the road, we'll manage later.

Anyway, I'm 37 and still have long way to go.
by Glasgow
Fri Feb 25, 2011 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Cash in all stocks, need advice on paying off mortgages
Replies: 8
Views: 1415

Hi all,
Thank you very much for your advice!
After reading your advice and consult with my family, I decide to pay off my own house first. Hence, whatever it is, we still have a roof above our head.

Cheers!
by Glasgow
Fri Feb 25, 2011 2:43 am
Forum: Investing - Help with Personal Investments
Topic: Cash in all stocks, need advice on paying off mortgages
Replies: 8
Views: 1415

Cash in all stocks, need advice on paying off mortgages

Hi all, I'm new here and hope you can give me advice. I just cashed in all my stock options, ESPP, etc. I got ~700K in cash at hand after federal and state taxes. I have 3 houses with the followings: Interest Rate / Curr. Prin. Bal. / Mort. Pmt / Tax and Ins. / Current Rent / Cash Flow Rental#1 3.12...