Search found 127 matches

by Lente
Sun Jul 20, 2014 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 57
Views: 7889

Re: Anyone switch to non-branch banking?

What's the emergency where you would need large amounts of cash, but checks or credit/debit wouldn't work? Hurricane Sandy - power was out for 5 days for us. No gas, no atms, no heat, no internet, no cable. Lucky, the town next to us had some power so we could get warm and charge a meal. Cash was k...
by Lente
Sun Jul 20, 2014 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 57
Views: 7889

Re: Anyone switch to non-branch banking?

6% !! Mannn...I should have had a saving account then Can someone tell me the main reason(s) why we no longer have good rates and only 1% max?? (Even at 6% it would take 12 years to double our money, and 12 years is a looooong time!! ) m At some point rates will adjust, yields will adjust, interest...
by Lente
Thu Jun 26, 2014 11:15 pm
Forum: Personal Consumer Issues
Topic: Need Note taking and organizer software
Replies: 9
Views: 1237

Re: Need Note taking and organizer software

My vote is for MS OneNote if you have it. I used it throughout my MBA, and use it for work and personal notes. Easy sync. Probably similar to evernote, but I suspect oneNote has more longevity. Maybe I'm wrong. I like MS office products in general.
by Lente
Thu Apr 10, 2014 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for MBA
Replies: 16
Views: 1841

Re: Paying for MBA

Read the tax case outcomes on this. Deduct it. supervisor is just one of many skills that an MBA qualifies you for. Just don't take a new job during your MBA that you weren't previously qualified the same year as your deduction. the question is whether the MBA is required for a new position you're t...
by Lente
Sun Jan 05, 2014 12:46 am
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 8217

Re: How much did your credit card rewards cost you in 2013?

The funny thing about behavioral finance is everyone thinks they are immune to it. It would be interesting if we could somehow do valid behavioral finance studies on this group to see how immune we really are. I guessed 2-5%. While I don't necessarily "spend more" dollar wise, I know that ...
by Lente
Sun Jan 05, 2014 12:33 am
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 43016

Re: 2013 TurboTax: Which Product? New Rules?

I find it interesting that one could have used the basic service previously and had full access to all forms. That said, it should be no surprise to anyone that TurboTax desires a tiered service, and efforts to enforce their decision don't surprise me. I am surprised that the cloud based service dec...
by Lente
Fri Apr 13, 2012 12:41 am
Forum: Investing - Theory, News & General
Topic: Google Stock Dividend
Replies: 42
Views: 3907

Re: Google Stock Dividend

Most stock splits are actually "stock dividends". A stock dividend is the issuing of additional shares of stock to current shareholders. It is much less of an administrative hassle to issue a stock dividend, than to do a real stock split (is my understanding). There are also less exciting...
by Lente
Thu Apr 12, 2012 11:26 pm
Forum: Investing - Theory, News & General
Topic: Google Stock Dividend
Replies: 42
Views: 3907

Re: Google Stock Dividend

Most stock splits are actually "stock dividends". A stock dividend is the issuing of additional shares of stock to current shareholders. It is much less of an administrative hassle to issue a stock dividend, than to do a real stock split (is my understanding). There are also less exciting ...
by Lente
Fri Mar 23, 2012 9:51 pm
Forum: Personal Consumer Issues
Topic: From XP Professional to Windows or Apple
Replies: 69
Views: 3980

Re: From XP Professional to Windows or Apple

1- My wife and I were in Grand Central Terminal in NYC last Sunday at the very big Apple display/store. We could not believe the very large number of people there. All ages; all ethnic groups; all social economic strata –all experimenting with and buying Apple products. We stood there as if we were...
by Lente
Tue Jan 31, 2012 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Another Tax Question
Replies: 8
Views: 1007

Re: Another Tax Question

the deduction amount far exceeds credit caps unfortunately
by Lente
Tue Jan 31, 2012 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Another Tax Question
Replies: 8
Views: 1007

Re: Another Tax Question

Thanks. Now I just have to deal with what I've just realized may be an imputed interest income issue. I managed to take something relatively simple and really complicate it. The funds for one of the tuition payments were loaned to me from my fiancé. I may need to bring in a tax pro.
by Lente
Tue Jan 31, 2012 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Another Tax Question
Replies: 8
Views: 1007

Re: Another Tax Question

Not Bob, Sorry - in my haste and chaos of the day of my original post, I mixed two form numbers together, which yielded a completely unreliable number... I will correct in the original post, but the form I am referencing is 2106 (unreimbursed employee expenses). I need to go back through and check m...
by Lente
Thu Jan 26, 2012 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Another Tax Question
Replies: 8
Views: 1007

Re: Another Tax Question

thanks penguin. My concern was actually that they were going to consider the cash a 'gift' and not a 'loan' since it wasn't formal through a bank, but your link also discusses gifting, which I had missed when I last read through that. I guess I just always thought there would be an issue because the...
by Lente
Wed Jan 25, 2012 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Another Tax Question
Replies: 8
Views: 1007

Another Tax Question

Hoping I didn't screw up... I have education expenses that are fully deductible as working fringe benefits. (Form 2130, end up on schedule A) My problem is for my first tuition payment, I made a personal loan from my fiance (will not be filing jointly for 2011, will be for 2012) to pay my first tuit...
by Lente
Wed Dec 21, 2011 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Form 2106, MBA, Gross Income Calculation
Replies: 0
Views: 287

Form 2106, MBA, Gross Income Calculation

Sitauation: - I receive funding for education from my company greater than $5,250 - the magic 'education' discount number - I am pursuing my MBA - My current role qualifies me for "working condition fringe" under the context of Treasury Reg 1.132-5 - http://www.taxalmanac.org/index.php/Tre...
by Lente
Sun Nov 20, 2011 2:55 pm
Forum: Personal Consumer Issues
Topic: Online Site to Purchase Foreign Currency?
Replies: 5
Views: 470

Online Site to Purchase Foreign Currency?

Any advice on where to get reasonable rates on foreign currency in the US? Looking to get some Colombian Pesos for someone as part of a gift. I know the typical best way to get currency is in country at an ATM, but that option aside...what is my best bet? Any online sites that deliver that aren't ab...
by Lente
Tue Oct 11, 2011 12:07 am
Forum: Personal Consumer Issues
Topic: Corporate Finance Career Paths
Replies: 13
Views: 2418

CPA is a must have for anyone who is at the top of the ladder in corporate finance. That said, you don't just get a CPA degree and make it there. I guess it goes without saying that you work your way up to a position like that, and I mean really gruelling hard work. I'd say hard work is necessary b...
by Lente
Mon Sep 19, 2011 9:56 pm
Forum: Personal Consumer Issues
Topic: Turbo Tax?
Replies: 33
Views: 3195

The other important point, which I'm surprised hasn't been mentioned yet (it usually is by this point), is that you as the taxpayer are responsible for the accuracy of the taxes at the end of the day. Your preparer may offer some sort of guarantee if they make an error, but that may not even cover i...
by Lente
Mon Sep 19, 2011 9:45 pm
Forum: Personal Consumer Issues
Topic: Engineer ---> MBA. Worth the opportunity cost?
Replies: 31
Views: 5949

Currently getting my MBA in a program that matches your description, although I have decided to go the part-time route (and I am not an engineer). For what it's worth, I, nor my colleagues, have any concern that we did not go for full-time - I think you should challenge that assumption. The opp cost...
by Lente
Tue Sep 13, 2011 8:05 pm
Forum: Investing - Theory, News & General
Topic: Monte Carlo--inflation rate to use?
Replies: 16
Views: 2234

I have a monte carlo model I use solely for inflation. Assumptions: - The past 100 years of escalation explain the realm of inflation in the future in a somewhat reasonable fashion (ie, I am expecting history to repeat itself). - I do not know how the future will bear out the repeating of historical...
by Lente
Mon Sep 12, 2011 11:25 pm
Forum: Personal Consumer Issues
Topic: It's the thought that counts - there's an app for that
Replies: 5
Views: 863

I dunno, it seems pretty smart to me...

Lente: What are your thoughts on the rumors about China purchasing Italian debt?


Cleverbot: Ridiculous there's no such thing
by Lente
Sun Sep 11, 2011 2:38 pm
Forum: Personal Consumer Issues
Topic: Any new ideas in cutting cable?
Replies: 49
Views: 8555

I would pay whatever they wanted in order to keep NFL football and the NFL Network. They have me by the balls there. I would pay $500 a month just to have football and I mean that. Wow. Thank God I'm not a sports fan. Yes it does make me an odd ball amongs my peers, but it sure saves me a ton of ca...
by Lente
Sun Sep 11, 2011 1:34 pm
Forum: Personal Consumer Issues
Topic: Do you work to live or live to work?
Replies: 50
Views: 4606

I am struggling with this right now. I certainly have my eye on saving/living frugally for retirement. But I also don't want to focus so much on 'prepping for retirement' i forget about the 40 years of my life I spend working to cover for that. That being said, I am currently pursuing an MBA with th...
by Lente
Sun Sep 11, 2011 1:30 pm
Forum: Personal Consumer Issues
Topic: Vacuum/siphon coffee maker
Replies: 8
Views: 1485

I'm not sure I follow how this produces a superior coffee than a normal brew method (which wikipedia seems to imply - something about the coffee clarity).

It does look rather interesting though - certainly a conversation piece.
by Lente
Sun Sep 11, 2011 12:46 pm
Forum: Personal Consumer Issues
Topic: How much water do you use?
Replies: 82
Views: 6327

2. As to the cost of water = marginal cost of extraction Water prices are not set by supply and demand. The price of tapwater does not shoot up in a drought. Nor does it slump during winter. Consumers pay no direct costs for a shortage of supply of water. Not at all. Water is priced by administrati...
by Lente
Fri Sep 09, 2011 11:01 pm
Forum: Personal Consumer Issues
Topic: How much water do you use?
Replies: 82
Views: 6327

San Diego
2 People
June & July
6,358 / mo including Irrigation
by Lente
Thu Sep 08, 2011 8:22 am
Forum: Personal Consumer Issues
Topic: Girls Soccer
Replies: 36
Views: 2503

I find it interesting that we've generally accepted 'there will be mean people' as a norm, and that the consensus reaction is to 'deal with it' instead of addressing the issue in some way. I wonder if 10/20/50 years ago a parent saw another child doing something inappropriate if they would say somet...
by Lente
Tue Aug 30, 2011 11:06 am
Forum: Personal Consumer Issues
Topic: Homeowner maintenance poll
Replies: 33
Views: 4813

Although I will point out that I've grabbed a copy of the version of the IBC adopted by my city and will review it and my cities alterations/addendums (available online) while in the planning stages of a project. So for my sprinkler project I know what code says maximum flow rates and what restrict...
by Lente
Tue Aug 30, 2011 10:27 am
Forum: Personal Consumer Issues
Topic: Homeowner maintenance poll
Replies: 33
Views: 4813

I have found in San Diego, at least in the $300-400k home range, permits are almost a joke. When we bought our first home, I thought i was being good when I asked everytime something looked modified/added/upgraded if a permit was obtained. Sometimes they'd laugh, sometimes they'd just stare. Regardl...
by Lente
Tue Aug 30, 2011 10:16 am
Forum: Personal Finance (Not Investing)
Topic: How much do I need in retirement psych study
Replies: 35
Views: 3937

Hmm, 75% income seems a bit high to me...135% certainly seems high. I guess if I wanted to significantly change my lifestyle to the detriment of finances that might be accurate. But I'm going with the assumption by the time I retire my lifestyle will already have adjusted to where I want it. I certa...
by Lente
Sat Aug 20, 2011 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Creditor Question - Small Value
Replies: 9
Views: 1430

So the creditor called me on Monday and said he'd be sending me the "original invoice" along with a bill (from prior posts). It is now Saturday and still nothing. I had validated the 'correct' address with him. He was local. Should I be concerned that he'd follow through on his threat if i...
by Lente
Wed Aug 17, 2011 7:58 pm
Forum: Personal Consumer Issues
Topic: What if the Bill Pay check gets lost in the mail?
Replies: 34
Views: 13149

I had an incident with Schwab once (that schwab was very good about resolving) with the local water company here in san diego. My biggest issue with the bill pay seems to be that the receiver has no motivation or interest to work with (the banks) bill pay service, especially if they have their own. ...
by Lente
Tue Aug 16, 2011 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Creditor Question - Small Value
Replies: 9
Views: 1430

I called the office where the bill originated, and they did say they had sold the debt. I'm probably on the hook as I verbally discussed that I recognized that I had services that I hadn't received a bill for (hence my confusion why a collections agent was calling me) and to send me the original inv...
by Lente
Tue Aug 16, 2011 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Creditor Question - Small Value
Replies: 9
Views: 1430

Creditor Question - Small Value

Question: So I got a call from a creditor yesterday (nice gentleman also called my work number and left a message on a co-workers phone as my extension was changed not to long ago) regarding a small balance due ($59) at a local doctor's office. It turns out the doctor neglected to update my address,...
by Lente
Wed Aug 10, 2011 9:26 pm
Forum: Personal Consumer Issues
Topic: Google..... how does it know?
Replies: 40
Views: 5254

It's not the browser auto fill feature after all. It's a feature called "Google Instant" Google Instant is a new search enhancement that shows results as you type. We are pushing the limits of our technology and infrastructure to help you get better search results, faster. Our key technic...
by Lente
Mon Aug 08, 2011 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Skills to work on in the corporate world
Replies: 42
Views: 4765

Emotional Intelligence is a must if it is something you are deficient in. Unfortunately it's often not something an individual has the ability to recognize on their own.

If you get worked up at work...learn to destress.
by Lente
Sun Aug 07, 2011 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Cash back program changes
Replies: 58
Views: 10148

I dislike the whole rotating category concept - far too much hassle in my opinion - a to worry about what card gets what discount, and b to even determine if a store I think matches the category agrees with amex that it matches the category. I went with the fidelity VISA, and will probably add the f...
by Lente
Sun Aug 07, 2011 10:46 pm
Forum: Personal Consumer Issues
Topic: How many hours@day safe to drive rental truck cross-country?
Replies: 36
Views: 5805

Meh, Assuming you aren't working for a cheap truck hiring company (post one?) moving companies have become a horrible deal in the last 2-3 years thanks to rising gas prices. 4 years ago I had 1 pod-like container moved across country for 1200. Now they want 2800 for the same move. Then it was a no-b...
by Lente
Sun Aug 07, 2011 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Asset Allocation Question
Replies: 3
Views: 924

I concur - which is why I was seriously confused. I was using the fool inside the netbenefits section of fidelity (for employees w/ 401k) I'm going to go with something was funky with either a) my brain (most probable) or b) fidelity's site - as now when I go back to look in the same spot it has the...
by Lente
Thu Aug 04, 2011 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Asset Allocation Question
Replies: 3
Views: 924

Fidelity Asset Allocation Question

Is there a difference between what Fidelity and Morningstar consider International Exposure? I am holding 40% Spartan International (FSIIX) in my 401k, which morningstar style map says is 94-95% non-US Stock which makes sense. However, when I use the Fidelity "Asset Class" Tool, it tells m...
by Lente
Thu Aug 04, 2011 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Download Fund Asset Allocation Data Automatically
Replies: 0
Views: 279

Download Fund Asset Allocation Data Automatically

Morning Bogleheads, Does anyone know a way to automatically download asset allocation information for a fund? For example, if I use morningstar's style map, I can find out that FSTMX is x% giant, y% large, z% mid, etc. Is there a way to download such information automatically into excel? I am trying...
by Lente
Wed Aug 03, 2011 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken--help with truncating accounts
Replies: 11
Views: 1552

Seems pretty straightforward to me...

File -> File Operations -> Year End Copy

You can pick at what date you want your transactions to 'start' being detailed at...just tested this. Use the "current file" not the archive file.
by Lente
Tue Aug 02, 2011 7:25 pm
Forum: Personal Consumer Issues
Topic: Need Advice - Home Depot Problem
Replies: 39
Views: 3886

I'm confused. You purchased an item you had no way to transport. Why not pay to have it delivered or rent the Home Depot pickup? Not having immediate transport is irrelevant to the discussion at hand. That issue was resolved between the two parties - he had authorization to store the product for on...
by Lente
Sun Jul 31, 2011 4:26 pm
Forum: Personal Consumer Issues
Topic: Is He a Friend?
Replies: 38
Views: 5500

I'm probably one of the minority when it comes to discussing finances with people I am closer to (friends, etc.). Whether the issue of 'money concerns' is income or expenditures, I think as a society we do ourselves a disservice by ignoring poor financial habits (unbalanced household budget) and all...
by Lente
Sat Jul 30, 2011 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Any landlords have a fire?
Replies: 29
Views: 3532

For what it's worth, we had a big fire in our house. Although it's not a rental like yours, my advice is to get your own private adjuster to battle for you with your insurance company. Insurance companies have no conscience. They just want to get out with the minimum payment. Our adjuster also had ...
by Lente
Sat Jul 30, 2011 4:19 am
Forum: Personal Consumer Issues
Topic: Buying a New Messenger Bag
Replies: 22
Views: 2694

I should have never searched for that thread. I really like the look of the Tumi bags - but I have no desire to spend that kind of cash. Time to check out ebay... You are tough shopper. Here is my favorite discount luggage store. http://www.luggagesource.com That is a fair statement. At least this ...
by Lente
Fri Jul 29, 2011 3:57 pm
Forum: Personal Consumer Issues
Topic: Buying a New Messenger Bag
Replies: 22
Views: 2694

Also an idea. I sort of feel guilty doing that though. I mean I know they sort of expect it; I've always been of the mindset I never buy something I don't intend to keep even if the return shipping is free. I'm weird though. I might give it a go!
by Lente
Fri Jul 29, 2011 3:45 pm
Forum: Personal Consumer Issues
Topic: Buying a New Messenger Bag
Replies: 22
Views: 2694

I was looking at that one earlier. I might give it a go. I will probably try to go find a kenneth cole in store somewhere (since that's what it seems to be 'inspired by') to see the size in person. I am bad with looking at the dimensions and getting af eel for how much it holds. the bag you referenc...
by Lente
Fri Jul 29, 2011 3:07 pm
Forum: Personal Consumer Issues
Topic: Buying a New Messenger Bag
Replies: 22
Views: 2694

If you are looking for a laptop style bag then the ebags firewall brief at $50 is just about the best buy around. m It is as well built and sturdy as the Tumi bags that cost $375. I've had 2 of them so far. Ebags has a lifetime warrantee and when one of the zippers on the end pocket where I carried...
by Lente
Fri Jul 29, 2011 11:29 am
Forum: Personal Consumer Issues
Topic: Buying a New Messenger Bag
Replies: 22
Views: 2694

I should have never searched for that thread. I really like the look of the Tumi bags - but I have no desire to spend that kind of cash. Time to check out ebay...