Search found 2296 matches

by an_asker
Wed Aug 14, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Going to switzerland in a month-any final advice?
Replies: 12
Views: 844

Re: Going to switzerland in a month-any final advice?

Our itinerary has been set. Wife planned us at strausburg france, basel, w day trips to geneva and lucern, Interlaken w trips to all the amazing hiking/mountain areas-4 days, laussane, w trips to gruyere montreaux etc. We will be doing the swiss travel pass. We did a cost analysis and it came out o...
by an_asker
Mon Jul 29, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: What two or three financial things to do to wind up wealthy regardless if you make numerous other financial mistakes?
Replies: 85
Views: 9005

Re: What two or three financial things to do to wind up wealthy regardless if you make numerous other financial mistakes

Does my question make sense? Regardless of if you make mistake after mistake financially, if you nail what two or three things, will you still wind up wealthy? Is it as simple as 1. Save 20% of gross income from day 1 or working? 2. Remain employed so you can continue socking away the 20%? What are...
by an_asker
Thu Jun 27, 2019 1:59 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 8614

Re: Dave Ramsey now says to give up employer 401K match to pay down debt

GlennK wrote:
Wed Jun 26, 2019 9:15 am
Yes, if you borrowed from a loan shark.

Seriously, I cannot think of any reason where paying off the loan from a bank or credit card could beat the 50%/100% match you mentioned.
Also yes if you are not disciplined enough to pay back the loan in time after putting the money in the 401(k).
by an_asker
Sat Jun 15, 2019 12:07 pm
Forum: Personal Investments
Topic: A 401k only partially vested
Replies: 10
Views: 1098

Re: A 401k only partially vested

Spirit Rider wrote:
Fri Jun 14, 2019 9:44 pm
There is typically is a 5 break in service requirement. This means your unvested employer contributions will remain accountable to the plan for 5 years.
Five (years) sounds about right. DW's unvested $s finally disappeared recently.
by an_asker
Fri Jun 14, 2019 12:46 pm
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 40
Views: 6414

Re: Why are my Vanguard returns suddenly so low?

Are you regularly adding or removing adding money to this account? What period of time are you talking about? I am regularly adding, and period is about three years Well, if it three years that makes sense, especially with the markets seesawing here lately. Most of the money you have added recently...
by an_asker
Fri Jun 14, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Alternatives to car rental for three months?
Replies: 57
Views: 4073

Re: Alternatives to car rental for three months?

We will be staying with relatives for the summer (approximately 2-3 months) and will need a car for that time. Rental cars, even on a monthly rate, are quite expensive (approx. $1,000 / month, not including gas) for what we need (room enough for two car seats plus large stroller). Are there any via...
by an_asker
Fri Jun 14, 2019 12:38 pm
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 40
Views: 6414

Re: Why are my Vanguard returns suddenly so low?

Jesteroftheswamp wrote:
Fri Jun 14, 2019 12:32 pm
[...]
It’s the entire time I’ve invested.
That's kinda relative. And it is a top secret for readers of this thread ;-)
by an_asker
Thu Jun 13, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11494

Re: Retired at 35 and have no friends :(

I'm 35 as well and technically could afford to retire (though I'd have to cut my lifestyle from spendy to comfortable), so I find this interesting. I always wanted the option to early quit working in my 30s and worked hard to make it a possibility (for the record: started buying rentals at 22, save...
by an_asker
Thu Jun 13, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3607

Re: Sports classes in Universities

Thank heavens I was a college athlete. I would have had a hard time paying the ridiculous fee and wasting a lot of time to satisfy my university's PE requirements. As far as I recall, I had to pay somewhere between $100-$200 (which will likely be double that in today's $$s), but thought it was well...
by an_asker
Thu Jun 13, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3607

Re: Sports classes in Universities

[...] [...]The key to survival is to be able to vertically lie in the water with only the top of your head exposed. It’s possible to float this way because most individuals’ body density is 98% water. The process is to take a deep breath, let your body go limp while 98% of it is submerged, let out ...
by an_asker
Wed Jun 12, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Renting a car in Europe across countries
Replies: 22
Views: 1355

Re: Renting a car in Europe across countries

The fee for dropping in a different country can vary a lot between operators. It's worth pricing on several sites, including Costco and maybe directly with some of the big companies. You don't want the car in the cities, so I would alternately consider taking the train or flying from Prague to Muni...
by an_asker
Wed Jun 12, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3236

Re: Passport photos cheap

Those folks have gotten a lot more stringent at the passport office (or I am failing at photography :oops: ) but after an unblemished record for two decades, I failed the last two times with the passport photos for myself and DW. Then had to get them at local AAA after paying an arm and a leg. Did ...
by an_asker
Wed Jun 12, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3236

Re: Passport photos cheap

Take your own picture, upload to epassportphoto.com for proper formatting, then print it at cvs/walgreens for $0.19 on a 4x6 sheet (it'll contain 4 photos). I've been doing it for years. Those folks have gotten a lot more stringent at the passport office (or I am failing at photography :oops: ) but...
by an_asker
Wed Jun 12, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 45203

Re: What lifestyle creep made you happier?

I'm curious for those who were able to make increase in their lifestyle, what things actually made you happier? Shutting up when rest of family's lifestyle crept ;-) :oops: [Edited to add an example]: I purchased a DIY bike from Wal*Mart a few years ago for IIRC $50-70. Right now, DW and DS are on ...
by an_asker
Tue Jun 11, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3607

Re: Sports classes in Universities

OK, I decided to bite the bullet and ask around. After a couple of dead ends, I was directed to the Registrar's office. When I asked my question through the form, I received a response a couple of hours ago. They indeed don't have any such classes scheduled for the near future except a couple of scu...
by an_asker
Tue Jun 11, 2019 1:40 pm
Forum: Personal Investments
Topic: intrigued and puzzled by Schwab offer to waive fees on Vanguard mutual fund purchases
Replies: 9
Views: 1291

Re: intrigued and puzzled by Schwab offer to waive fees on Vanguard mutual fund purchases

I am working on consolidating and streamlining my accounts with a view towards simplifying my financial life, particularly as I consider the possibility that my eventual incapacitation may require my daughters to take over my affairs. (Hopefully this is a long way off, but good to be prepared well ...
by an_asker
Tue Jun 11, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Anyone recommend a cheap cell phone service for text and calls?
Replies: 24
Views: 2192

Re: Anyone recommend a cheap cell phone service for text and calls?

xenial wrote:
Sun Jun 09, 2019 7:35 pm
Tello (Sprint network) has very inexpensive plans, as well as a dirt cheap pay-as-you-go option for light users. I've been happy with them.
+1!
by an_asker
Tue Jun 11, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3236

Re: Passport photos cheap

Take your own picture, upload to epassportphoto.com for proper formatting, then print it at cvs/walgreens for $0.19 on a 4x6 sheet (it'll contain 4 photos). I've been doing it for years. Those folks have gotten a lot more stringent at the passport office (or I am failing at photography :oops: ) but...
by an_asker
Mon Jun 10, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3607

Re: Sports classes in Universities

I ended up doing golf and badminton. I was in a badminton class with some guys from Pakistan. I learned that competitive badminton is nothing like "summer picnic" badminton. i was on my high school badminton team. quite an eye opener -- you're right -- it's nothing like we played in the back yard! ...
by an_asker
Mon Jun 10, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3607

Re: Sports classes in Universities

Just curious how we could see if any such courses are offered at his university (short of calling and talking with staff over there I would say)? Not specifically these sports - any other sports too! The larger question is whether your son has the skills to navigate the university requirements for ...
by an_asker
Mon Jun 10, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3607

Re: Sports classes in Universities

Thanks to everyone that responded. It appears that each university is unique in this aspect. I think the best advice I can give DS is to just stay active and find some physical activity to pursue now that he no longer has the organized water polo that he had in high school. Every college is differen...
by an_asker
Fri Jun 07, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3607

Sports classes in Universities

[Note to moderators: if this should be on a different forum, please move it] A while back, I got my MS in Engineering from VA Tech. While I was in school, I took one-credit hour (Pass/Fail) classes in each of the following (not all in the same semester!): - Tennis - Racquetball - Swimming - Badminto...
by an_asker
Fri Jun 07, 2019 1:50 pm
Forum: Personal Investments
Topic: pay off an ARM mortgage or not?
Replies: 58
Views: 3487

Re: pay off an ARM mortgage or not?

if i paid down the mortgage by 50% ($50K), and then pay off the rest of it in a year. would it cut the interest payment by half as if the interest for the upcoming year would be equivalent to 2.5625% (half of 5.125%) providing that i will pay off the entirety of the mortgage in one year? Let us mak...
by an_asker
Tue Jun 04, 2019 2:49 pm
Forum: Personal Investments
Topic: pay off an ARM mortgage or not?
Replies: 58
Views: 3487

Re: pay off an ARM mortgage or not?

if i paid down the mortgage by 50% ($50K), and then pay off the rest of it in a year. would it cut the interest payment by half as if the interest for the upcoming year would be equivalent to 2.5625% (half of 5.125%) providing that i will pay off the entirety of the mortgage in one year? Let us mak...
by an_asker
Mon Jun 03, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3871

Re: Invited to vacation house then surprised with expenses—what now?

They rented the house for a week, you are spending three days there. I would offer to pay for the three nights (approx $471) and not more. You should be involved in this decision because it is your money as well as your wife's. They should have made it clear at the beginning what the cost was, and ...
by an_asker
Wed May 29, 2019 4:48 pm
Forum: Personal Investments
Topic: pay off an ARM mortgage or not?
Replies: 58
Views: 3487

Re: pay off an ARM mortgage or not?

thank you all for your suggestions. a guarantee of 5.125% return by paying it off makes a lot of sense. Except that it does not. The "guaranteed 5.125%" return rate isn't 5.125, but close to 2.65% instead. Those who deem the home loan interest rate being equal to a "rate of return" of an investment...
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: 15063

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: 8426

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: 17616

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: 17616

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: 645

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: 17616

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: 645

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 [2018]
Replies: 1043
Views: 95478

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: 1394

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: 1394

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: 1394

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: 50
Views: 3524

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: 20325

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: 4268

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: 419

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: 419

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: 419

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: 835

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: 265

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: 1654

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: 835

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: 1654

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: 646

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: 646

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.