Search found 2270 matches

by an_asker
Mon May 20, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14111

Re: FIRE - What am I missing in the News Stories

Many say they have retired from their software engineering position and now make coffee at Starbucks. That's not retired. That is literally retired. We apply the same concept to people who retire from the military, or from sports or other activities. Retiring simply does not mean "never again doing...
by an_asker
Fri May 17, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: We’ve won the game...but how do we stop playing?
Replies: 76
Views: 8016

Re: We’ve won the game...but how do we stop playing?

Hi all. I love William Bernstein’s quote “ If you’ve won the game, stop playing .” But here is the issue: My grandmother has held seceral sector funds at Vanguard for decades (Healthcare, etc.) She has done extraordinarily well over many many years. (She has a very low portion in bonds. She is prob...
by an_asker
Tue Apr 30, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 16829

Re: Whats the Point of Climbing the Corporate Ladder?

Because you will be fired to make room for the people that you are blocking behind you. Only if he's (or she's) the only one in his/her position - which I see very unlikely indeed unless it is a mom&pop shop! Else the boss can work the pipeline around him/her. Just an FYI, that's not how it works m...
by an_asker
Tue Apr 30, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 16829

Re: Whats the Point of Climbing the Corporate Ladder?

Because you will be fired to make room for the people that you are blocking behind you. Only if he's (or she's) the only one in his/her position - which I see very unlikely indeed unless it is a mom&pop shop! Else the boss can work the pipeline around him/her. Just an FYI, that's not how it works m...
by an_asker
Tue Apr 30, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: College admissions question
Replies: 2
Views: 616

Re: College admissions question

Thanks - I will look through the available threads. There isn't time to start a new one! :oops:
by an_asker
Tue Apr 30, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 16829

Re: Whats the Point of Climbing the Corporate Ladder?

livesoft wrote:
Wed Apr 24, 2019 7:49 am
Because you will be fired to make room for the people that you are blocking behind you.
Only if he's (or she's) the only one in his/her position - which I see very unlikely indeed unless it is a mom&pop shop!

Else the boss can work the pipeline around him/her.
by an_asker
Mon Apr 29, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: College admissions question
Replies: 2
Views: 616

College admissions question

Anyone here who is familiar with Washington and Lee? Could you please PM me?

Thanks!!
by an_asker
Tue Apr 23, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1024
Views: 87593

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

There is a place to search this discussion up above. Entering "Saturna" there gets 54 results. :) Fidelity has a phone number you can call as well. That is what I did about ten days ago ... and waited for 45 minutes before a CSR came on the line :oops: Hindsight 20/20: Maybe I should have asked her...
by an_asker
Thu Mar 28, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Compound Interest Calculation
Replies: 29
Views: 1331

Re: Compound Interest Calculation

I recently signed up for a high yield savings account paying 2.5% APY and am trying to remember how to calculate compound interest! Assuming I start with a $40,000 balance do I have this right? A = P (1 + r/n) ^ nt A = $40,000 x (1 + 0.025/12) ^ (12 x 1) A = $41,011.54 Think thats with monthly cpmp...
by an_asker
Thu Mar 28, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Compound Interest Calculation
Replies: 29
Views: 1331

Re: Compound Interest Calculation

"Calculating APY https://www.depositaccounts.com/blog/understanding-interest-rate-and-apy.html Most banks publish the APY for their accounts just as prominently as the interest rate so it’s rare that you would ever need to calculate it, but I know there are some math junkies out there who want a si...
by an_asker
Thu Mar 28, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Compound Interest Calculation
Replies: 29
Views: 1331

Re: Compound Interest Calculation

"Calculating APY https://www.depositaccounts.com/blog/understanding-interest-rate-and-apy.html Most banks publish the APY for their accounts just as prominently as the interest rate so it’s rare that you would ever need to calculate it, but I know there are some math junkies out there who want a si...
by an_asker
Thu Mar 28, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: 2012 Honda Fit MPG issue
Replies: 49
Views: 3141

Re: 2012 Honda Fit MPG issue

This link has several possibilities. https://www.aa1car.com/library/poor_fuel_economy.htm My bet FWIW is a bad oxygen sensor. Having just replaced the O2 sensor on one of our cars (bye bye $$), I wonder if this is the case. Why? Because in our case, it resulted in an idiot light - specifically the ...
by an_asker
Tue Mar 26, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 146
Views: 19964

Re: Bogleheads with $100K+ MSRP cars?

LiveSimple wrote:
Tue Mar 26, 2019 12:23 pm
KyleAAA wrote:
Tue Mar 26, 2019 11:28 am
I could see myself paying $50k for a used car that cost $100k new some day. Maybe when I get to 8 figures.
Then what are you going to do with the $9,999,950
Buy you a calculator? :oops:
by an_asker
Tue Mar 05, 2019 5:38 pm
Forum: Personal Investments
Topic: Time to sack Warren Buffett?
Replies: 41
Views: 4117

Re: Time to sack Warren Buffett?

iamlucky13 wrote:
Tue Mar 05, 2019 4:54 pm
Pro tip:

If you are making investment decisions based on what somebody had for lunch, you are doing it wrong.
[...]
Surely you know that you're mistaken... or is that a tongue in cheek comment?
by an_asker
Tue Mar 05, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Form 8889 HSA - Help
Replies: 8
Views: 393

Re: Form 8889 HSA - Help

I don't know if I am interpreting your last sentence correctly or not. Either way, I believe that your combined HSA contributions can exceed the limit of $6900. Why in the world would you think that? Or did you mean to say “can’t exceed”? Whoops! My bad - typo! I meant "can't" of course! :oops:
by an_asker
Mon Mar 04, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8889 HSA - Help
Replies: 8
Views: 393

Re: Form 8889 HSA - Help

Thanks for confirming the below line should be 0. I didnt want to lengthy the post, but basically those lines I can handle. Just wanted to make sure my thinking and concept are correct. That the HSA's contributions are pre-tax already through the wages and total deductions should be zero and line 2...
by an_asker
Mon Mar 04, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8889 HSA - Help
Replies: 8
Views: 393

Re: Form 8889 HSA - Help

I don't have the forms in front of me so I cannot answer your original question, but I do have a suggestion. Like you, we fell about $25 short of the $6900 mark because DW's payroll did something funky (I've no clue what). So, I plan to create an HSA in DW's name with Fidelity and contribute that $2...
by an_asker
Mon Mar 04, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP at tax time
Replies: 8
Views: 809

Re: ESPP at tax time

Thanks to everyone who responded. Have been busy with other stuff and haven't had a chance to either read up on the links or go back and review the 1099s and the 3922 and the old W2s. Looks like I've got my work cut out for me :oops:
by an_asker
Fri Mar 01, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Fundraising for kids
Replies: 5
Views: 250

Fundraising for kids

I understand the need to raise funds for kids to travel from school, say for sports meets or academic competitions. For instance, there was a time when kids used to sell stuff to make the money; or we would approach local business for sponsorship money. In fact, my kid's science olympiad team a few ...
by an_asker
Mon Feb 25, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fun thought expt wrt carbon footprint.
Replies: 32
Views: 1594

Re: Fun thought expt wrt carbon footprint.

alex_686 wrote:
Mon Feb 25, 2019 3:04 pm
an_asker wrote:
Mon Feb 25, 2019 3:01 pm
Throw old car off a cliff (if you can afford it) and buy a new EV. Smallest carbon footprint. ;-)
No, recycle your car. Scrap iron and steel have a lower carbon footprint than digging up fresh ore. ;-)
You got that one for sure :-)
by an_asker
Mon Feb 25, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP at tax time
Replies: 8
Views: 809

ESPP at tax time

How exactly are ESPPs treated at tax time? Do all companies' ESPP work the same way wrt taxes? Let me explain... If my (DW's to be precise) company offers a nominal discount to the stock price at the time of purchase, how does it all get treated at tax time? I remember - when we started - asking som...
by an_asker
Mon Feb 25, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Fun thought expt wrt carbon footprint.
Replies: 32
Views: 1594

Re: Fun thought expt wrt carbon footprint.

Here are a few choices: 1.Keep driving a 10 yr old gas driven car (mileage ~25) 2.Sell old gar car and get a used EV 3.Sell old gar car and get a new EV There are lots of misc factors obviously but lets stick to just carbon footprint of all options and see how crazy this gets if we (over) analyze t...
by an_asker
Sun Feb 24, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Adobe PDF issues
Replies: 11
Views: 618

Re: Adobe PDF issues

You should be able to click on any of the .pdf files, then go to "Open With". Find Adobe and there should be a check box to do this action every time. I don't have Adobe. I removed it. Unfortunately, for some reason, the installer appears to think that I have a newer version of Adobe still around. ...
by an_asker
Sun Feb 24, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Adobe PDF issues
Replies: 11
Views: 618

Re: Adobe PDF issues

I'm sorry. When I attempt to install it, the error message I am getting is "a newer version already installed". I don't have any version. If I look at installed programs from the Control Panel, it's not even there.
by an_asker
Sun Feb 24, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Adobe PDF issues
Replies: 11
Views: 618

Adobe PDF issues

I'm on Windows 7 laptop. For the last few weeks, I kept getting messages about Adobe Acrobat failing to install. I didn't understand what it was trying to do. So, I decided to do a clean reinstall. Deleted the program and downloaded the installation executable. It failed somewhere (I don't remember ...
by an_asker
Wed Feb 20, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 26
Views: 2046

Re: IRS Direct Pay

[...]Q1 estimated taxes are not due until April 15th and it looks like that provider didn't update their website yet. The next provider on the list has the option available. You can also call them. Thanks. That looks good. Don't know how I missed it! I've never done estimated tax before. Do you jus...
by an_asker
Wed Feb 20, 2019 12:47 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 8825

Re: How many bogleheads do you know in real life?

DrGoogle2017 wrote:
Mon Feb 18, 2019 10:07 pm
Three, my 2 brothers and my sister. My other brother and I are spendthrifts, it’s the Leo in us. :D
I've no clue what a Leo is supposed to do.

But I do know what a spendthrift is. And if you are one, you are no Boglehead!
by an_asker
Wed Feb 20, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: High earners: thoughts on college and aid
Replies: 91
Views: 7050

Re: High earners: thoughts on college and aid

She didn't like that answer at first because her BF was attending a $45K/year school in another state, but after a while she came to realize it was the right thing to do. None of my business, but curious about whether she is still with that BF. I think sometimes kids don’t want to admit it, but the...
by an_asker
Wed Feb 20, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Which College? 3 years or 4 years?
Replies: 91
Views: 7574

Re: Which College? 3 years or 4 years?

stoptothink- I graduated high school right after age 14. I took very full course loads peaking with taking 26 credit hours spring quarter of my freshman year, took 23 credit hours summer quarter while working 15 hours per week in a hospital; got into a combined program Hopkins had where you finishe...
by an_asker
Wed Feb 20, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: High earners: thoughts on college and aid
Replies: 91
Views: 7050

Re: High earners: thoughts on college and aid

A reasonably good private university was cheaper for our son than the flagship state univ. ( after considering merit scholarship) https://www.bogleheads.org/forum/viewtopic.php?t=93996 On the other hand a year of Harvard cost about 80K total for my daughter (tuition + living expenses) Ram: I though...
by an_asker
Mon Feb 18, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Easiest Way to Give $100k Cash to Non-Family Member
Replies: 62
Views: 5226

Re: Easiest Way to Give $100k Cash to Non-Family Member

My wife and I are considering making a $100k cash gift to some friends to help them buy a larger SF house for their family of 7 in our neighborhood. We have been very close friends for over 15 years, our kids go the same school, etc. I understand that $15,000/year is excluded from the gift tax and ...
by an_asker
Mon Feb 18, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble stomaching car
Replies: 52
Views: 4891

Re: Trouble stomaching car

Relax. Sounds like a case of buyer's remorse. - You bought a used car, someone else paid for the depreciation - It's a fun car, enjoy it - The car is fairly new, no worries Drive it for the next 10 years and you'll feel better! :mrgreen: More like Boglehead Envy, i.e., instead of Living Like the Jo...
by an_asker
Mon Feb 18, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: High earners: thoughts on college and aid
Replies: 91
Views: 7050

Re: High earners: thoughts on college and aid

If your kids are admitted to one of the generous private colleges (HYPMS, for exsmple), you might still get some aid up to around $250k, especially if you have more than one in college at the same time. However, that’s a big IF; acceptance rates are single digit percent even for qualified applicant...
by an_asker
Mon Feb 18, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Hostels while solo traveling in Europe?
Replies: 23
Views: 2269

Re: Hostels while solo traveling in Europe?

I will be solo traveling in parts of Europe for 3 weeks in May. Most likely Spain and Portugal. I usually stay in nicer hotels when I travel to Europe but I like talking to people - locals or otherwise. Hotels are not most conducive if you want to chat up with someone at the end of the day. I have ...
by an_asker
Mon Feb 18, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: High earners: thoughts on college and aid
Replies: 91
Views: 7050

Re: High earners: thoughts on college and aid

If your kids are admitted to one of the generous private colleges (HYPMS, for exsmple), you might still get some aid up to around $250k, especially if you have more than one in college at the same time. However, that’s a big IF; acceptance rates are single digit percent even for qualified applicant...
by an_asker
Mon Feb 18, 2019 10:51 am
Forum: Personal Investments
Topic: personal rate of return
Replies: 29
Views: 2616

Re: personal rate of return

I think it is pretty tough to beat a LifeStrategy fund even if one is doing a 3-fund portfolio because of behavioral issues. One thing I did notice is life strategy mod growth (60/40 stock/bond) 10 yr return is 9.5% but that of life strategy growth (80/20 stock/bond ) is 11.1%. I am a bit surprised...
by an_asker
Mon Feb 18, 2019 10:48 am
Forum: Personal Investments
Topic: personal rate of return
Replies: 29
Views: 2616

Re: personal rate of return

I think it is pretty tough to beat a LifeStrategy fund even if one is doing a 3-fund portfolio because of behavioral issues. One thing I did notice is life strategy mod growth (60/40 stock/bond) 10 yr return is 9.5% but that of life strategy growth (80/20 stock/bond ) is 11.1%. I am a bit surprised...
by an_asker
Fri Feb 15, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: send in driver's license photo for new Capital One credit card
Replies: 42
Views: 3288

Re: send in driver's license photo for new Capital One credit card

This year I applied for two new credit cards --- one with Bank of America and one with Capital One. I have a credit card with both companies. I was approved for both credit cards. With BoA, I was able to activate the new card online. With CapitalOne, they wanted me to either mail or email a photo o...
by an_asker
Fri Feb 15, 2019 2:28 pm
Forum: Personal Investments
Topic: personal rate of return
Replies: 29
Views: 2616

Re: personal rate of return

I think it is pretty tough to beat a LifeStrategy fund even if one is doing a 3-fund portfolio because of behavioral issues. One thing I did notice is life strategy mod growth (60/40 stock/bond) 10 yr return is 9.5% but that of life strategy growth (80/20 stock/bond ) is 11.1%. I am a bit surprised...
by an_asker
Fri Feb 15, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 26
Views: 2046

Re: IRS Direct Pay

I'm afraid I am being a little dense. Which website allows you to make estimated payments for current year using credit cards? Which fidelity card gives you a spending bonus enough to get an effective bonus of 2.8%? I really need this one! What are the requirements of the BoA cards you are referrin...
by an_asker
Fri Feb 15, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 26
Views: 2046

Re: IRS Direct Pay

[...] Yes, I profit after all fees. If I'm being lazy, I just use my BoA premium rewards card or my BoA travel rewards card with platinum honors which pays me 2.625%. But I get spending bonuses on my fidelity card pretty often, for an effective rate of slightly more than that, typically 2.8%. I chu...
by an_asker
Thu Feb 14, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 26
Views: 2046

Re: IRS Direct Pay

One of my hobbies is paying estimated taxes with my rewards credit card. It's really easy and I earn a small profit and a little float. How do you pay for the same year? In other words, how do you pay for 2019 today? My experience has been that 2019 will be an available option only in 01/2020! :oop...
by an_asker
Thu Feb 14, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 26
Views: 2046

Re: IRS Direct Pay

One of my hobbies is paying estimated taxes with my rewards credit card. It's really easy and I earn a small profit and a little float. How do you pay for the same year? In other words, how do you pay for 2019 today? My experience has been that 2019 will be an available option only in 01/2020! :oops:
by an_asker
Tue Feb 12, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 7624

Re: How many hours do you work and what do you outsource

[...] Around the house, I handle laundry exactly the way livesoft does — dirty clothes go in the washer, clean clothes sit in the dryer. In the kitchen, my life is one pot, one plate, one fork, one spoon, one knife, one cup, so dishes simply swap sides of the sink, basically. [...] Smart man (this ...
by an_asker
Fri Feb 08, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 10909

Re: Money saving move you regret the most?

Pretty much every attempt I have ever made at do-it-yourself home repairs. I'm not good at it, I don't enjoy it, and it brings me little or no satisfaction. I second this! +1! Though I confess that I have painted my daughter's room once - and both she and I liked the final product. So that was defi...
by an_asker
Thu Jan 17, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50872

Re: John Bogle has died at age 89

Rest In Peace, Sir!!
by an_asker
Thu Jan 17, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 116
Views: 11440

Re: Gas station prices and quality

[...]This just happened overnight. Yesterday, gas prices were $1.94 to $1.99 around the area I drive through. This morning, I see a uniform price of $2.19 Has anything happened that you are aware of that caused gas prices to spike 10%? This is definitely price gouging, though I don't know who we co...
by an_asker
Thu Jan 17, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3943

Re: Fun with Amazon

Earl Lemongrab wrote:
Thu Jan 17, 2019 1:35 pm
wolf359 wrote:
Thu Jan 17, 2019 1:30 pm
OP put all names in quotes. Even "Anita."
Of course. A couple of people have decide to impute some nefarious reason to that, which doesn't exist.
Are you saying that we should now refer to you as "Earl" or "Lemongrab" or "Earl Lemongrab"? :oops:
by an_asker
Tue Jan 15, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 116
Views: 11440

Re: Gas station prices and quality

Where do you live that you see a price variance of $1? The most I ever see is about 10 cents in my area - but its usually more like a few cents difference (hardly worth even thinking about - not worth crossing traffic or driving an extra few blocks for). Los Angeles. At this moment, according to Wa...
by an_asker
Fri Jan 04, 2019 10:45 pm
Forum: Personal Investments
Topic: CDs vs I Bonds - Five and Ten Year Horizons
Replies: 12
Views: 1207

Re: CDs vs I Bonds - Five and Ten Year Horizons

Yes - one of those will do better. I don't think you will know which one though for certain until after it happens (you will get lots of opinions). One-Year CD with renewal may do best if interest rates continue to rise. A Five-Year CD may do best if interest rates level off or drop. An iBond may d...