Search found 318 matches

by carorun
Thu Sep 05, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: Wedding/Engagement Ring Insurance
Replies: 64
Views: 3835

Re: Wedding/Engagement Ring Insurance

Look into a rider on your homeowners policy. Insurance for my ring is less than $100/year.
by carorun
Sun Aug 18, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7151

Re: Moving from Bay area, CA to Knoxville, TN

Others have commented on the financials and agree you would come out ahead from a COL standpoint. As someone who grew up in west Knoxville, I have to urge you to spend some time there before making a decision. Knoxville and the Bay Area could not be more different. I got out as soon as I could for c...
by carorun
Mon Jun 03, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: How much life insurance do we NEED
Replies: 11
Views: 1049

How much life insurance do we NEED

Getting married later this year so fiancé and I are shopping for life insurance quotes. We’re 32/38 with no kids, but plan to start trying within a year or so and want to get insurance in place prior to pregnancy. We got initial quotes through SelectQuote and i was taken aback at the prices, so it’s...
by carorun
Mon Jan 28, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Logistics help needed with Grand Canyon trip
Replies: 25
Views: 1325

Re: Logistics help needed with Grand Canyon trip

I did this exact trip in 2017, except I flew into PHX and camped at the bottom. Any of the lodges in Grand Canyon Village are fine. Honestly, all NPS hotels are pretty basic, so I just choose the cheapest one since I won’t spend much time in the room anyway. I stayed in Yavapai Lodge which is close ...
by carorun
Mon Jan 07, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: B&M bank in Chicago to complement Ally?
Replies: 21
Views: 956

Re: B&M bank in Chicago to complement Ally?

I opened an account at Wintrust last year when I needed to do something that required a physical bank. Checking account is free and while their website is quite outdated, they did what I needed in the branch. I have an Alliant account as well and have for several years. Unfortunately, the one time I...
by carorun
Thu Aug 16, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Big 4 Who Jumped to Industry - Compensation
Replies: 35
Views: 8981

Re: Big 4 Who Jumped to Industry - Compensation

I'm at a Big 4 as well, and I've seen enough to know that salaries are all over the board depending on whether you are audit/tax or advisory, and even within advisory there's a lot of variation based on experience, MBA or no MBA, and specialty (e.g., IT, Strategy, M&A). Fishbowl as mentioned earlier...
by carorun
Mon May 14, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 4040

Re: Grand Canyon or other Nat'l Park in October?

I visited in April 2017 and hiked from the South Rim to the bottom of the canyon and back. I think October is a good time to go - it's not super hot and won't be packed with tourists. If the Grand Canyon 1. Best way to get there? We'll both be flying from the east cost. Is there a best/cheapest/easi...
by carorun
Mon Apr 23, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 47
Views: 5245

Re: Emailed Vanguard Survey from "GfK". Possible spam or phishing?

GfK is a legitimate market research firm.

Now, whether this link is legitimate is not clear. However, unless the survey asks for account numbers or exact amounts, I'd be inclined to answer. We all know Vanguard's customer service could use some help as of late.
by carorun
Sat Apr 21, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Visiting Chicago - Foodie suggestions?
Replies: 28
Views: 2578

Re: Visiting Chicago - Foodie suggestions?

Pequods is much better than Lou Malnatis, though be prepared for a wait. Au Cheval is delish, and they’ve opened a few Small Cheval locations with the same menu except with counter service and less wait time. I’m growing out of the bar scene, so for nice speakeasies I’d try Gilt Bar, Untitled, or Th...
by carorun
Sun Feb 18, 2018 5:43 pm
Forum: Personal Investments
Topic: Late 20's female looking for some advice towards financial independence
Replies: 31
Views: 4664

Re: Late 20's female looking for some advice towards financial independence

I’m a 31 yo woman in another HCOL city and similar income but more in savings. I would not move in with this couple. At this point in your life, your time and quality of life are important. I would not be able to meet up with friends as easily or have people over in the situation you described. I wo...
by carorun
Sun Dec 10, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 3622

Re: Do girls wear Ninja Turtle character shoes

I am a female who was VERY into Ninja Turtles in their original ‘90s heyday. Had all the figurines and turtle sheets. I would definitely have worn Ninja Turtle light up shoes.

I was a bit of a tomboy if you couldn’t tell already :D
by carorun
Wed Nov 15, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Value of 401k Employer Match vs. Salary Equivalent
Replies: 34
Views: 5232

Re: Value of 401k Employer Match vs. Salary Equivalent

Changing matching percentages based on years of service is NOT allowed in 401k plans. Source? My former employer, a megacorp, and current employer, also a megacorp, both vary matching percentages based on years of service. I can think of other large companies who do this as well. If it's not allowe...
by carorun
Sun Nov 05, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Anyone did tours (to Peru) with Gate 1 Travel?
Replies: 16
Views: 2017

Re: Anyone did tours (to Peru) with Gate 1 Travel?

I did that exact tour in May 2010 and my mom has done several tours with Gate 1 since. No complaints about Gate 1; they are great at taking care of the logistics and prices are reasonable. However, the trips skew older (60+), so if you fit that demographic, great. If you are looking to spend less ti...
by carorun
Mon Oct 16, 2017 5:33 pm
Forum: Investing - Theory, News & General
Topic: How to learn about financial statement analysis?
Replies: 30
Views: 3987

Re: How to learn about financial statement analysis?

I learned it in business school. Was really interested in personal finance previously but as an indexer I never need to understand a balance sheet, for example. Are you looking to do fundamental analysis like Ben Graham? If so, I hear good things about the book Securities Analysis but that might be ...
by carorun
Mon Oct 16, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Tanzania
Replies: 7
Views: 984

Re: Tanzania

Wow great advice from the Bogleheads as usual. Glad to hear others have had positive experiences with G Adventures. They are not the cheapest or the most expensive, and get good reviews overall online. The altitude is a wild card and it makes me lean towards taking the longer Lemosho route. I hiked ...
by carorun
Mon Oct 16, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Tanzania
Replies: 7
Views: 984

Tanzania

I am in the early stages of planning a trip to Tanzania next year to hike Mt. Kilimanjaro then go on safari. A search of Bogleheads indicates that some posters have done this in the past, so I'm wondering if anyone has recommendations. What tour operator did you choose? Zara seems to be everywhere b...
by carorun
Sun Jul 23, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 12242

Re: Investing Education and Mansplaining

I understand where your DD is coming from. Maybe she'll grow out of it, maybe not, but I agree with others that she'll have to learn to deal with condescending personalities in the workplace. I think part of her issue isn't really mansplaining; its feeling like older, out of touch people are telling...
by carorun
Sun Jun 25, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Buy condo at Trump Tower Chicago a good deal?
Replies: 24
Views: 5321

Re: Buy condo at Trump Tower Chicago a good deal?

I personally think that Chicago real estate is a little too hot right now, but then again it could keep going up for a few years. I'm waiting it out. Do you spend much time downtown now, specifically in the Loop or that part of River North? It's crowded and loud. Lots of foot traffic, cabs, trucks, ...
by carorun
Wed Apr 19, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Fidelity card 2% but NOT as statement credit
Replies: 27
Views: 3755

Re: Fidelity card 2% but NOT as statement credit

You can deposit the rebate in your Fidelity cash management account then pay the bill directly from that account. It's an extra step which requires another day for processing but I don't mind doing it to get my 2%.
by carorun
Mon Feb 06, 2017 5:37 pm
Forum: Personal Investments
Topic: Non-payroll contributions to HSA
Replies: 2
Views: 689

Non-payroll contributions to HSA

I became eligible for an HSA when I started a new job in September of last year. Due to restrictions on payroll contributions, I could not contribute the full amount in 2016 but I plan to max it out via payroll deduction this year. I plan to cash flow medical expenses to the extent possible and let ...
by carorun
Mon Jan 30, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 12412

Re: Is joining a country club a character flaw?

Perhaps a social club/gym is more for you. They have cocktail hours, networking events, etc., often accompanied with gyms, tennis courts, pools, etc. For example, in my city I know of Soho House, East Bank, and Union League. I am not a member of any of these (and don't plan to be) but the members I ...
by carorun
Sun Jan 22, 2017 1:14 pm
Forum: Personal Investments
Topic: Fidelity HSA Investing
Replies: 9
Views: 2770

Re: Fidelity HSA Investing

You can invest in Fidelity ETFs with less than $2,500. I would buy Fidelity funds at Fidelity to avoid extra purchase fees.

Not sure if you should move the money from your old employer to Fidelity. That would depend on the fees for each HSA.
by carorun
Sat Jan 14, 2017 10:46 am
Forum: Personal Investments
Topic: Fidelity HSA fees
Replies: 6
Views: 5277

Fidelity HSA fees

I opened my first HSA through my employer in September of last year. So far, I love the flexibility and ability to stash more money without paying taxes. This week, I noticed a $12 HSA fee on my account activity. I did some googling and apparently Fidelity charges $12/quarter, $48/year, to manage a ...
by carorun
Mon Jan 09, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 4752

Re: Turned 30! Women's advice for skin care??

I also use CeraVe and I've found that sometimes the cheaper products are better than the more expensive ones. When I think about what I spent over the years on Proactiv, Clinique, and other products that didn't work, I get frustrated. Drink a lot of water and get enough sleep. Cannot emphasize these...
by carorun
Thu Dec 08, 2016 1:38 am
Forum: Personal Consumer Issues
Topic: MBA Folks - Question About the App Process
Replies: 11
Views: 1368

Re: MBA Folks - Question About the App Process

Why can't you apply round 1 to school A? I think those deadlines are very soon so it may be a a scramble, and it would surprise me if a top 10 school doesn't have an early admissions deadline.
by carorun
Thu Nov 03, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: 27/m. Wanting to Quit My Job. Any Words of Wisdom?
Replies: 55
Views: 8945

Re: 27/m. Wanting to Quit My Job. Any Words of Wisdom?

You sound like me a few years ago, even down to the salary and net worth. I love to travel and have made it a priority to travel while I'm young and physically able to do it cheaply. I used to take an international trip every other year and lately take one a year. Travel does not have to be crazily ...
by carorun
Wed Oct 26, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering to Finance (CFA, CFP)
Replies: 34
Views: 4044

Re: Engineering to Finance (CFA, CFP)

How long does is usually take start to finish? I would assume longer than 4 years unless you take the CFA program directly (a very intensive investment based program that knocks the MBA out of picture), but I have heard it is beneficial to go the MBA path instead as employers appreciate seeing that...
by carorun
Wed Oct 26, 2016 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering to Finance (CFA, CFP)
Replies: 34
Views: 4044

Re: Engineering to Finance (CFA, CFP)

How long does is usually take start to finish? I would assume longer than 4 years unless you take the CFA program directly (a very intensive investment based program that knocks the MBA out of picture), but I have heard it is beneficial to go the MBA path instead as employers appreciate seeing that...
by carorun
Tue Oct 18, 2016 11:13 pm
Forum: Personal Consumer Issues
Topic: Wireless Headphones
Replies: 17
Views: 2327

Re: Wireless Headphones

I have over ear Bose headphones and they are a godsend if you fly a lot. I'm pretty sure you can't use Bluetooth on a plane currently, so if you are buying wireless headphones for that purpose I would make sure a cord is included. I'm in the market for some wireless earbuds for running and biking be...
by carorun
Sat Oct 01, 2016 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer use SAT/ACT scores?
Replies: 51
Views: 4995

Re: Does your employer use SAT/ACT scores?

I applied to McKinsey once and they requested it. AFAIK they are the only employer who requests it.

Once you finish college, only college grades matter IMO. If you go to grad school, those matter- but depending on the field they may not matter as much.
by carorun
Mon Sep 26, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Best way to play the points in Marriott-Starwood merger
Replies: 23
Views: 3343

Re: Best way to play the points in Marriott-Starwood merger

.It does not appear that many bogleheads are involved in the Starwood Marriott situation. It affects me and I'm pissed. I was a 100 night platinum at SPG last year and just earned flight miles on the rare occasions I had to stay at a Marriott. When the merger was announced last year I decided to bu...
by carorun
Fri Sep 23, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 58111

Re: [Fidelity drops AmEx, Bank of America credit cards]

Has anyone else noticed a sharp decline in customer service and online functionality since the change? I had to set up a login again which required a phone call. Had a payment issue that required a phone call. Had to re-set up my bank accounts for payments. And oh, calling them is NOT easy. I've bee...
by carorun
Wed Sep 21, 2016 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Part Time MBA - Deducting Expenses
Replies: 21
Views: 4221

Re: Part Time MBA - Deducting Expenses

You don't need anything from your CPA and this is all perfectly legit. There was even an court ruling earlier this year that cemented this. Your school will give you a 1095 at the end of the year that you'll use to file taxes. I filed amended returns for 2014 and 2015 earlier this year and got 13k t...
by carorun
Sat Sep 17, 2016 10:51 am
Forum: Personal Investments
Topic: How to invest HSA funds
Replies: 6
Views: 1399

How to invest HSA funds

I have an HSA for the first time, read the wiki, and am struggling with how to invest the funds. I'm planning to max it out yearly and use it as a retirement savings vehicle. I'll pay regular doctor bills out of pocket and save the receipts for later reimbursement but if I ever hit a point where I h...
by carorun
Mon Sep 05, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: Road bike
Replies: 29
Views: 4162

Re: Road bike

Performance Bike has a few stores in my area. They were selling the bike for $400 (discounted from $600 list). Then I saw that they also sold the bike for $350 on Amazon. I believe that buying from them on Amazon is the same as buying from them online or in their store. They have a 1 year return po...
by carorun
Fri Aug 05, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: new potential tenants negotiating on rent
Replies: 72
Views: 12143

Re: new potential tenants negotiating on rent

Well some people (coughcough MOI included) believe in always negotiating rent like you'd negotiate salary. That said, $100/mo seems like a weird place to start. I've had success with targeting things like security deposit, move in fee, and pet fee. I'm willing to stretch or shorten the lease term by...
by carorun
Thu Jul 28, 2016 11:57 pm
Forum: Personal Consumer Issues
Topic: Airbnb rental review
Replies: 32
Views: 5010

Re: Airbnb rental review

I would mention it and probably leave 4 stars because I'm nice. In many older buildings a window unit or one room AC would be considered normal. I'm an infrequent Airbnb host (when out of town) and guest. One recent guest said my bed was uncomfortable and another didn't like the fingerprints on my s...
by carorun
Sat Jul 16, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Starwood points (looking for best use)
Replies: 15
Views: 1768

Re: Starwood points (looking for best use)

I love Starwood and use their awards frequently both at home and overseas. The airline mile conversion is nice too. Since you want to stay close to home, I recommend the Westin Maui. Fabulous resort; I went there last year on points. I think it was 12k/night. If you have airline miles for the flight...
by carorun
Sat Jul 09, 2016 5:12 am
Forum: Personal Finance (Not Investing)
Topic: How to finance M7 MBA
Replies: 20
Views: 3791

Re: How to finance M7 MBA

Also consider that at many of the top programs that do have part-time programs, the part-time students aren't allowed to attend full-time recruiting events. There are some schools where this isn't strictly enforced, but not many. It takes a ton of both luck and hustle to get a Goldman or Bain job f...
by carorun
Thu Jul 07, 2016 12:40 am
Forum: Personal Finance (Not Investing)
Topic: How to finance M7 MBA
Replies: 20
Views: 3791

Re: How to finance M7 MBA

I'd cash in the company stock and mutual funds. Maybe use some of the cash in year 2 once you have a new job lined up. I just graduated from an M7 school and the starting comp you posted looks low unless you're going into general management or marketing. Starting salaries and bonuses are so dependen...
by carorun
Sun Jul 03, 2016 10:48 am
Forum: Personal Investments
Topic: Investment Advice--hitting an (early) age milestone
Replies: 3
Views: 671

Re: Investment Advice--hitting an (early) age milestone

Only thing I would do is max out the TSP to the extent possible (and quit investing in the Roth for now). It lowers your AGI which in turn lowers your SL payments, and since you are planning to have the balance forgiven this would save you some cash.
by carorun
Sun Jul 03, 2016 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Worried about son's finances/life
Replies: 41
Views: 9765

Re: Worried about son's finances/life

The CFA is, IMO, one of the most prestigious certifications in the world. I have a finance degree and would probably need a few years of study to pass. I believe 3-4 years is normal considering there are 3 levels to pass and you can only attempt once a year. He sounds like a good guy and must've don...
by carorun
Mon May 23, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: Bikes
Replies: 70
Views: 7019

Re: Bikes

You absolutely can get a decent bike for <$200. It just might be a used one. I have found local bike stores to be insanely expensive; the ones I visited carry high end brands and were particular that you had to spend a certain amount to even find something ride-able. I remember taking my cheap bike ...
by carorun
Fri May 20, 2016 3:25 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 251
Views: 42036

Re: Is there a such thing as a blue collar Boglehead?

In my experience, blue-collar and even middle-class perspectives are not often welcomed on this site. The assumption from many posters seems to be that anyone who is smart and hard-working should be wealthy, and those who are not wealthy are lacking something. I got the same impression, too. For ex...
by carorun
Thu May 19, 2016 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Signing Bonus -- possible to negotiate to minimize taxes?
Replies: 23
Views: 4197

Re: Signing Bonus -- possible to negotiate to minimize taxes?

I have seen some employers take out bonus taxes over a year or the remaining pay checks for that year to minimize the tax bite. I would inquire about that. What does that mean? I don't see what they can do intra-year that would help. A friend of mine's new company did this recently. The bonus of $2...
by carorun
Thu May 19, 2016 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Signing Bonus -- possible to negotiate to minimize taxes?
Replies: 23
Views: 4197

Re: Signing Bonus -- possible to negotiate to minimize taxes?

IME bonuses are pretty fixed. Making changes to a 401k plan takes an act of God (or the CFO). I have seen some employers take out bonus taxes over a year or the remaining pay checks for that year to minimize the tax bite. I would inquire about that. If you leave before the clawback period ends, you ...
by carorun
Wed May 18, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Why the Low Quantitative Score on the GMAT?
Replies: 26
Views: 3690

Re: Why the Low Quantitative Score on the GMAT?

Practice is critical. The GMAT is a unique test and you're out of practice as well.

I was a political science major and managed a decent GMAT but I took a prep class and spent a good 4 months studying. I highly recommend Manhattan GMAT.
by carorun
Mon May 16, 2016 10:28 pm
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 7498

Re: College - In state - Children staying close to parents

We're thinking about keeping number one son closer for other reasons. He'll start college as a 17 year old freshman and won't turn 18 until his first semester is nearly over. Even though he's a very mature young man and has never given us one bit of trouble, I'm a little reluctant to send him out i...
by carorun
Sun May 15, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: High Earner $150k/yr. Single VS Married with Kids Take Home Salary??? Help!
Replies: 40
Views: 8791

Re: High Earner $150k/yr. Single VS Married with Kids Take Home Salary??? Help!

I like http://www.paycheckcity.com to model take home pay in different states. It considers deductions like health insurance and 401k as well.
by carorun
Mon May 09, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for MY college
Replies: 9
Views: 1465

Re: Saving for MY college

Personally, I'm saving for graduate school by putting as much money as I can into tax deferred retirement accounts (401k, 403b, 457, traditional IRA). The rationale is right now, all the money that I am saving would be taxed to the tune of 30% (state and federal). Eventually, when I start my progra...