Search found 584 matches

by samsoes
Thu Feb 22, 2018 8:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 199
Views: 13418

Re: Two Comma Club

Congratulations! Remember, you'll likely drop below and above $1M a few times in the short term due to market fluctuations, but you're still a member of the club. :beer
by samsoes
Thu Feb 22, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Increased Federal Tax withholding Feb 2018
Replies: 7
Views: 763

Re: Increased Federal Tax withholding Feb 2018

It appears the new Federal Tax withholding rates have gone through, and I am a little confused by them. I currently have my W-4 set up as Married with 1 Exemption, and have about $150 taken out for Federal Taxes (not OASDI or Medicare which are separate pay deductions). This last pay period my Fede...
by samsoes
Thu Feb 22, 2018 6:22 am
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 28
Views: 1653

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

In my wife's, the value of the discount amount is reported to the IRS as earned income, making the discount worth about 30% less for us. Between the small discount, the fact it is treated as earned income, the hit on the other end of the gain being short term , the hassle with selling it every quar...
by samsoes
Thu Feb 22, 2018 6:06 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 47
Views: 6921

Re: <gulp> Expensive mistake

Eagle33 wrote:
Thu Feb 22, 2018 12:59 am
Check out the boglehead (BH) Abbreviations and Acronyms wiki page at https://www.bogleheads.org/wiki/Abbrevi ... d_Acronyms before googling BH shorthand.
Now that's very helpful, thank you. :beer
by samsoes
Wed Feb 21, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: frustrated with patek philippe poor service
Replies: 29
Views: 2379

Re: frustrated with patek philippe poor service

didnt realize people wear watches anymore - iphone tells the time well. I have owned lange, rolex, patek, etc. Sold them all in the last 10 years, as most people i know dont wear watches anymore (except smart watches). For some, who still like them, and like newspapers, record players, etc. etc., t...
by samsoes
Wed Feb 21, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 47
Views: 6921

Re: <gulp> Expensive mistake

What is the TSP and F fund? Non-intuitive acronyms are ubiquitous on this forum. While that's often true, I don't think this is a good example. TSP and F fund are only slightly less commonly known than 401k and TBM, which I think are fair game. . I'm sorry, what's TBM mean? Google suggests Technogy...
by samsoes
Wed Feb 21, 2018 5:32 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 47
Views: 6921

Re: <gulp> Expensive mistake

You should track all of your accounts on Personal Capital. You should know what 100% of your money is doing and where it is. PC makes that SUPER easy. No point in waiting for quarterly statements. Don't let something like this happen again. Take control of your own money and be its master. Except t...
by samsoes
Wed Feb 21, 2018 5:28 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 47
Views: 6921

Re: <gulp> Expensive mistake

Cb442 wrote:
Wed Feb 21, 2018 3:52 am
What is the TSP and F fund?
Non-intuitive acronyms are ubiquitous on this forum.
by samsoes
Tue Feb 20, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2522

Re: Connecticut is charging sales tax on out of state purchases

Believe it or not, I emailed the CT State Tax Dept about the chicken, who told me it was not. I relayed that to WM who promptly refunded the tax and gave me 2 free chickens for my trouble. Now I suspect if it was a chicken sandwich, it would be taxable. Wonder if a fresh chicken pot pie is taxable?...
by samsoes
Tue Feb 20, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2522

Re: Connecticut is charging sales tax on out of state purchases

Connecticut has always charged Use Tax on untaxed items bought out-of-state, net of any sales tax charged. This is reported on your CT income tax return. You must enter "0" if there are no out-of-state untaxed (or under taxed) purchases to declare. Since you've been paying this all along (right????...
by samsoes
Tue Feb 20, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2522

Re: Connecticut is charging sales tax on out of state purchases

Connecticut has always charged Use Tax on untaxed items bought out-of-state, net of any sales tax charged. This is reported on your CT income tax return. You must enter "0" if there are no out-of-state untaxed (or under taxed) purchases to declare. Since you've been paying this all along (right????)...
by samsoes
Mon Feb 19, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: job application that ask for salary requirement
Replies: 15
Views: 1395

Re: job application that ask for salary requirement

How do you deal with corporate websites that require you to input a salary requirement as part of the online application? Before anyone says anything about networking, I don't anyone in the company. Nyc10036, $99. A stupid question deserves stupid answer. KlangFool You really are often over your he...
by samsoes
Mon Feb 19, 2018 5:27 am
Forum: Investing - Help with Personal Investments
Topic: Reinvesting RMDs
Replies: 18
Views: 2096

Re: Reinvesting RMDs

2. Is there any problem by selling a fund (deferred), then buying the same fund right away (taxable)? I read about wash sales, but this seems to involve how loss is treated? No problem whatsoever. Wash sale complexities come into play when you sell from taxable and incurr a loss. If you sell from d...
by samsoes
Sun Feb 18, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Talk to me about jobs with primerica
Replies: 13
Views: 733

Re: Talk to me about jobs with primerica

its not a job, its a gig where your earnings stop coming in as soon as you run out of relatives and friends to sell the insurance to. When I was in college, a friend dragged me to one of their sessions. Back then, Primerica was known as AL Williams. I recall being told how much money we could make....
by samsoes
Sun Feb 18, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Pre- vs post-tax saving: Am I thinking it wrong?
Replies: 25
Views: 1674

Re: Pre- vs post-tax saving: Am I thinking it wrong?

One more nuance: At retirement ages, some states exempt some or all IRA distributions, including Roth conversions, from state income tax. I'm Roth converting $24k/year exempt from Colorado state tax. So money went in state-tax free and comes out state-tax-free. This is a very important point. Some ...
by samsoes
Sun Feb 18, 2018 7:02 am
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 5171

Re: Chillin' in the BH Lounge

How is this actionable?
by samsoes
Sat Feb 17, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9375

Re: Job is starting to suck the life out of me.

Many of my recent posts deal with the soul-draining aspect of my Megacorp and why I don't have the cajones to resign even though I can easily FIRE and this place is killing me. I'm currently in the midst if a particularly bad afternoon and have now escaped to a men's room stall for a moment of resp...
by samsoes
Sat Feb 17, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5769

Re: Effect of spending money on appearance in career

At the same time, I am sitting in meetings in which comments are made about needing to bring another women into the office so clients are more eager to stop by. What?? Is this company stuck in the 1950's or 1960's? :oops: If this their corporate culture, and it is genuinely affecting your career, i...
by samsoes
Fri Feb 16, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9375

Re: Job is starting to suck the life out of me.

Working sucks. I started working at age 18, fresh out of high school. I quickly realized that working sucks. I decided that 25 years is enough, and made a plan to retire young. I worked the plan and retired at age 42 (9 years ago). Life is great now. You're my inspiration. May I ask how many years ...
by samsoes
Fri Feb 16, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9375

Re: Job is starting to suck the life out of me.

Many of my recent posts deal with the soul-draining aspect of my Megacorp and why I don't have the cajones to resign even though I can easily FIRE and this place is killing me. I'm currently in the midst if a particularly bad afternoon and have now escaped to a men's room stall for a moment of respi...
by samsoes
Wed Feb 14, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statement & Receipt Clearing - Help!
Replies: 42
Views: 2252

Re: Credit Card Statement & Receipt Clearing - Help!

I keep all receipts in an envelope for an entire year. At the end of the year, I seal the envelope and put it on the shelf for a year. I take the prior year's envelope of receipts and burn it in the wood stove the next time I have a fire.
by samsoes
Tue Feb 13, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9375

Re: Job is starting to suck the life out of me.

Any Megacorp job will eventually drain your soul. To have that happen at 31 is severe.

Leave. Don't burn bridges; keep smiling, but leave.
by samsoes
Tue Feb 13, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: What are the chances of corrected 1099s?
Replies: 19
Views: 1210

Re: What are the chances of corrected 1099s?

I'm filing as soon as Schwab makes 1099's available later this week. Everything else is set in TT and ready to go. Just need to plug in the Schwab numbers. I file as soon as I can to reduce the chances of someone filing in my name first. I have no problem filing an amended return if need be at a lat...
by samsoes
Mon Feb 12, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 4588

Re: Random conversations regarding money

You handled it well. Never get pulled into a spitting contest like this. It would eventually devolve into pressure to divulge actual numbers. Never a good thing.
by samsoes
Mon Feb 12, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Lower Payroll Withholding - What are you doing with it?
Replies: 32
Views: 2296

Re: Lower Payroll Withholding - What are you doing with it?

Lower withholding per pay ($33). When projected to year-end, I'll owe almost $3k due to deduction changes and personal exemption elimination. So, I've changed my Federal exemptions from 4 to 0 to soften the blow in April 2019.

Thank you, Uncle Sam! :oops:
by samsoes
Mon Feb 12, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Pay bump, time to switch Roth to Traditional?
Replies: 14
Views: 1150

Re: Pay bump, time to switch Roth to Traditional?

An often overlooked piece of the puzzle for Roth vs Traditional decision: state income tax. Which state do you currently line in, and which state do you plan to retire? If you are earning in a high-tax state, and will be retiring to a low or no-tax state, then Traditional gets more points in the dec...
by samsoes
Sun Feb 11, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance on my name or kid's ?
Replies: 3
Views: 336

Re: Car insurance on my name or kid's ?

HIS NAME!! The car needs to be in his name, too. Your assets, including your home, are in play if the car or insurance are in your name in the event of a lawsuit.

Yes, the premiums will be higher. Help him with the cost, if necessary. But please, not in your name.
by samsoes
Sun Feb 11, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Google account stolen and I can't recover
Replies: 13
Views: 1500

Re: Google account stolen and I can't recover

Not that this would help the present situation, but was there a time when you used the same password for everything? I did that until a couple of years ago, and now I use Last Pass with long randomized passwords which are never used on more than one site and 2FA where ever it's offered. On boring ra...
by samsoes
Sun Feb 11, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Why would people buy condos/SFH in Texas?
Replies: 61
Views: 5706

Re: Why would people buy condos/SFH in Texas?

Derivative wrote:
Fri Feb 09, 2018 8:55 pm
livesoft wrote:
Fri Feb 09, 2018 8:30 pm

Virtually nobody lives in downtown Houston. It is not like NYC nor San Fran.
What do you means virtually nobody lives in downtown Houston?
There are tumbleweeds rolling down the streets...
by samsoes
Sun Feb 11, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Getting Rid of Comcast Modem
Replies: 21
Views: 1760

Re: Getting Rid of Comcast Modem

Voipo seems to require upfront payment of $149 for two years. I haven't looked through their web page thoroughly to see if there are other plans... I use Ooma. I got the Ooma adapter at Walmart for $75 odd, ported my number for $39 I think, but thereafter I have only $5 bills which are just state t...
by samsoes
Sun Feb 11, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Should I tax loss harvest this downfall? I've never done it before.
Replies: 7
Views: 890

Re: Should I tax loss harvest this downfall? I've never done it before.

2) I'm assuming tax loss harvesting works for the calendar year.. if so, does that mean I can only tax loss harvest any losses that actually happened from an investment I made in 2018? No, it's the calendar year when you incur the loss ( = when you sell); it doens't matter when you've purchased. Up...
by samsoes
Sat Feb 10, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Rid of Comcast Modem
Replies: 21
Views: 1760

Re: Getting Rid of Comcast Modem

cancel your comcast phone service... and buy a normal docsis 3 cable modem then buy a obihai and use it with google voice phone number... https://www.amazon.com/OBi200-1-Port-Adapter-Support-Service/dp/B00BUV7C9A no monthly fee as it uses google voice. but there is a 15 dollar a year fee if you wan...
by samsoes
Sat Feb 10, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Google account stolen and I can't recover
Replies: 13
Views: 1500

Re: Google account stolen and I can't recover

djdube525 wrote:
Sat Feb 10, 2018 1:45 pm

I was able to answer their Qs, but I think since the computer I used to create the account is 2 or 3 computers ago (it was a while ago that it was created), Google claims they can't verify it's mine. :(
The account may indeed be lost, but please, on a go-forward basis, use a password manager.
by samsoes
Sat Feb 10, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2516

Re: Getting Rid of Ants in the House?

I've found that a generous application of Raid works wonders.
by samsoes
Fri Feb 09, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Rollover of after tax contributions to a traditional IRA
Replies: 29
Views: 1547

Re: Accidental Rollover of after tax contributions to a traditional IRA

In January, 2017, I rolled over my entire balance of my 401k balance from a former employer to a traditional IRA account. At the time, I had thought that all my contributions were pre-tax. The 401k plan rolled over the entire balance in one distribution directly to my Vanguard IRA account. This wee...
by samsoes
Fri Feb 09, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6306

Re: Financially secure, horrible workplace but just can't FIRE

I'm having a hard time retiring and trying to figure out what's holding me back. I have thought about this a lot. I've heard it's better to retire to something rather than away from something. But what if your job is so bad you have to get out? My job was fine for decades. I work in healthcare and ...
by samsoes
Fri Feb 09, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Should you sell your investments when they start dropping? When should you invest during this market correction?
Replies: 52
Views: 4123

Re: Should you sell your investments when they start dropping? When should you invest during this market correction?

Invest, or do not invest, without regard to market machinations. Do the same as what you would do if the market was climbing, flat, or falling. There should be no difference in your strategy.

You won't find support for market timing on this forum, I assure you.
by samsoes
Fri Feb 09, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Started first big investment 2 weeks ago - Sell quick?
Replies: 29
Views: 1851

Re: Started first big investment 2 weeks ago - Sell quick?

I appreciate the support to leave it there. It was just a huge investment for us and our first, so it is incredibility sad to see it losing so much so fast right now! Since we aren't investing monthly (yet) and it was a lump sum, it is hard to see it fall so fast! I know it is impossible to pick th...
by samsoes
Thu Feb 08, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 8635

Re: Tenants want to break lease early and is pregnant

You said they were great tenants; that's like gold. Let 'em go early, wish them well, thank them for being good tenants, and offer to give them a good reference. They probably found a bigger place to accommodate a growing family and don't want to lose it.
by samsoes
Thu Feb 08, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5192

Re: What time do you go to work?

BogleMelon wrote:
Thu Feb 08, 2018 9:00 am
Some days I am completely free for the whole day! Well.. a kind of passive income :D
I've had extended periods of time like that throughout my career.

The days never end; after a while you want to run out the door screaming.
by samsoes
Thu Feb 08, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5192

Re: What time do you go to work?

Leave home at 5:45, arrive at work before 7. Lots off offshore interaction at Global Megacorp.

Commute home is at least 50% longer duration.

I'm too old for this nonsense. I need to pull the ripcord whilst there's something left of my soul and my person hasn't yet assumed room temperature.
by samsoes
Wed Feb 07, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: Are Banks Worthless [to invest equity in]?
Replies: 32
Views: 2752

Re: Are Banks Worthless?

Ethelred wrote:
Wed Feb 07, 2018 1:26 pm
samsoes wrote:
Wed Feb 07, 2018 1:21 pm
What's a BMO account?

Non-intuitive acronyms are ubiquitous on this forum.
BMO are a regional US bank. Not exactly sure in which states they're active.
Ah, thanks. Professor Google says it's the Bank of Montreal.
by samsoes
Wed Feb 07, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Are Banks Worthless [to invest equity in]?
Replies: 32
Views: 2752

Re: Are Banks Worthless?

Bacchus01 wrote:
Wed Feb 07, 2018 1:14 pm
The only reason I have a BMO account is so that I can walk in and take large sums of cash if I need it.
What's a BMO account?

Non-intuitive acronyms are ubiquitous on this forum.
by samsoes
Wed Feb 07, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 5810

Re: How to stop mail from former occupants?

mptfan wrote:
Wed Feb 07, 2018 12:43 pm

Thank you for that. One my pet peeves is when people expound on what is illegal without any legal training whatsoever and without an informed basis.
I know what you mean. It makes my blood boil :wink:
by samsoes
Wed Feb 07, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 5810

Re: How to stop mail from former occupants?

From my experience, it will never stop. Sorry. If you're getting catalogues, you should be able to contact the senders one by one to unsubscribe (or try Catalog Choice). If anyone has had success here, I'd love to know about it. Catalog Choice works phenomenally. I set it up for some relatives who ...
by samsoes
Wed Feb 07, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 5810

Re: How to stop mail from former occupants?

(Yes, I was nosy and yes I did open mail that was not addressed to me). That is illegal, and perhaps felonious. Please don't do that again. Everyone's privacy should be respected. Edit: Based on the images of mail I receive each morning via email (Informed Delivery), Big Postal Brother has a record...
by samsoes
Wed Feb 07, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Dumb question: Would you hold International in Taxable vs ROTH for tax purposes?
Replies: 17
Views: 780

Re: Dumb question: Would you hold International in Taxable vs ROTH for tax purposes?

A benefit of holding international in Taxable is the foreign tax credit, the benefit of which can't be realized in an IRA of either type.
by samsoes
Tue Feb 06, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8887

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Quicken management: "How do we turn a bonehead IT screwup into a nice business opportunity?" As I said before, "shrewd business move by Quicken.". :moneybag They blew it in my case. I've been a loyal customer since 1993, upgrading every 3 years. Now with this subscription model effectively tripling...
by samsoes
Tue Feb 06, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8887

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

TravelGeek wrote:
Tue Feb 06, 2018 12:23 pm
samsoes wrote:
Tue Feb 06, 2018 10:42 am
Still, they should be ashamed for at least not communicating anything to those of us who upgraded on Sunday.
Are you saying that you didn't know that this was most likely an accidental "offer" that might not stick?
Correct.
by samsoes
Tue Feb 06, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8887

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

I'm not particularly impressed with how Quicken is handling this. You would think that they would at least send an email explaining the situation. There are likely thousands of people who downloaded this and irreversibly updated their old Quicken version, and now are trapped in a subscription model...