Search found 2449 matches

by an_asker
Thu Nov 14, 2019 5:26 pm
Forum: Personal Investments
Topic: BRK.B
Replies: 19
Views: 1837

Re: BRK.B

[...] I still own 11 individual stocks, of which about half are real losers that went down in value between 40 and 90 percent, and the other half are winners that have tripled and quadrupled in value. [...] What are your thoughts? My thoughts: Compared to me, you are a genius. Whatever rocks your b...
by an_asker
Thu Nov 14, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW job loss transition period bonus negotiation
Replies: 17
Views: 1089

Re: Need Help - DW job loss transition period bonus negotiation

Trader Joe wrote:
Wed Nov 13, 2019 6:36 pm
[...]
I look forward to your wife posting her own questions here moving forward.
OK ...
by an_asker
Wed Nov 13, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: HSA/HDHP
Replies: 7
Views: 537

Re: HSA/HDHP

[...]#2 the bigger issue is that for most people it is impossible to simultaneously contribute to an FSA and HSA. And since only a small portion of funds in an FSA will not be forfeited if not used at the end of the year, effectively people generally would not have the option of choosing to pay via...
by an_asker
Wed Nov 13, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: HSA/HDHP
Replies: 7
Views: 537

Re: HSA/HDHP

What you'd be doing is illegal.

That said, I don't think there is enough manpower to go around checking everyone's HSA withdrawals. But if you're caught in an audit, you'll be in trouble for sure.
by an_asker
Tue Nov 12, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Make donation through proxy (friend) and deduct?
Replies: 13
Views: 704

Re: Make donation through proxy (friend) and deduct?

Please encourage your friend to carefully read the plan rules. Something like this at my company would get you fired. While technically you can gift to anyone and they can do what they choose with the funds, generous matching companies tend to frown on this. I don't even submit for matching what my...
by an_asker
Tue Nov 12, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Make donation through proxy (friend) and deduct?
Replies: 13
Views: 704

Re: Make donation through proxy (friend) and deduct?

I don't know about the legality but I wonder about the ethics of having your friend masquerade as the donor in order to obtain a match you aren't eligible for yourself. I see your point, but this does not seem an "ethical" problem to me. The friend's employer makes a donation to a good cause and th...
by an_asker
Tue Nov 12, 2019 1:57 pm
Forum: Personal Investments
Topic: Speculating - Chesapeake Energy (CHK)
Replies: 16
Views: 691

Re: Speculating - Chesapeake Energy (CHK)

To hold myself accountable - I am normally robotic about investing and have never held an individual security. I gambled on Chesapeake Energy (CHK) due to a variety of factors, not to be disclosed. First tranche cost basis came in at $2.7/share and then doubled down @ $2.02/share. Current price sit...
by an_asker
Tue Nov 12, 2019 10:31 am
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 123
Views: 7242

Re: Investing $140k in cash at 1k per week

Jack FFR1846 wrote:
Mon Nov 11, 2019 3:05 pm
Sounds silly. Transfer $140k....buy VTI, move on.
I disagree. It depends hugely on what $140k represents for OP.

I mean, if it is 1% of OP's portfolio, go right ahead. But if it is 100% of OP's portfolio, maybe there is some logic that would make his/her actions better.
by an_asker
Sun Nov 10, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11037

Re: Saving seats on Southwest

Just had a flight on Southwest, seems like half the people who were on the plane were saving their seats. I admit, I don't fly Southwest often, but my family and I just took a flight. I bought the earlybird for all of us. When we boarded people were saying "sorry this seat is saved". What's the poi...
by an_asker
Sat Nov 09, 2019 10:21 am
Forum: Investing - Theory, News & General
Topic: 2020 IRS Limits Announced for 401(k)'s etc.
Replies: 27
Views: 4161

Re: 2020 IRS Limits Announced for 401(k)'s etc.

The age 50+ catchup contribution....I assume is in the year you turn 50? Example- if you turn say 50 on November 9, 2020, you can still do the catchup contribution in all of 2020, correct? you don't need to wait until you're actually '50' to fund it.....? I assume this is the case, but would rather...
by an_asker
Thu Nov 07, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Maximize 1 Day at Disney
Replies: 48
Views: 2668

Re: Maximize 1 Day at Disney

No Boglehead worth his/her salt will recommend this ... and I didn't even know such an option exists until a couple of months ago, though I live in the general area. It is expensive but you can purchase tickets that let you pick and choose whatever you want to do - as many times as you want to do it...
by an_asker
Wed Nov 06, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: What car fits comfortably 3 adults with luggages?
Replies: 63
Views: 1855

Re: What car fits comfortably 3 adults with luggages?

OP, please do provide closure - after you've picked up and delivered your guests (with photos of bags in car/van).

When is this drive scheduled for?

This might work.
by an_asker
Wed Nov 06, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: What car fits comfortably 3 adults with luggages?
Replies: 63
Views: 1855

Re: What car fits comfortably 3 adults with luggages?

I will be picking 2 adults (immigrant family), 4 checked bags, 2 carry-ons from the airport (1.5 hours drive). I have 2 sedan cars, neither of them would fit. I was considering renting a minivan for that purpose but thought that there might be another cheaper car class that could serve the purpose ...
by an_asker
Wed Nov 06, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: HDHP comparison
Replies: 13
Views: 518

Re: HDHP comparison

To clarify, the premium is bi-weekly, so 26 pay periods per year. Wife Annual: $4992 My Annual: $4160 Before any medical expenses, you are ahead by $2132 using your plan ($832 in premiums + $1300 employer contribution). Yet your OOP max is only $1000 higher. Even if the OOP max applies to both you ...
by an_asker
Wed Nov 06, 2019 9:24 am
Forum: Investing - Theory, News & General
Topic: WaPo: Many Investors Have Sat Out Rally
Replies: 87
Views: 15072

Re: WaPo: Many Investors Have Sat Out Rally

Zombie thread. True dat. But as applicable right now as it was a decade ago! Here's a (real) story. About 13-14 months ago, we decided that it was time to cash out some of DW's ESPP as her company had reached new highs (not a tech company, in case you were wondering). The pot we were looking at jus...
by an_asker
Wed Nov 06, 2019 8:33 am
Forum: Investing - Theory, News & General
Topic: Tax Disadvantage of Index Funds
Replies: 10
Views: 1018

Re: Tax Disadvantage of Index Funds

When analysts and authors list out the advantages and disadvantages of owning index funds vs. individual stocks, I have yet to find any information on the clear tax disadvantages of owning index funds. Dividends on common shares are qualified and taxed a top federal rate of 20%, while dividends pai...
by an_asker
Wed Nov 06, 2019 12:08 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2517
Views: 463567

Re: What are you up YTD? [Year To Date]

YTD looks really good because it doesn't include October and December of 2018. My 12 month return is 4.4% :shock: Vanguard doesn't do YTD and I don't have enough fingers and toes to figure it on my own. :( Just divide current balance by the starting balance. Example: Jan 1, 2019 balance is 900k. En...
by an_asker
Wed Nov 06, 2019 12:04 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2517
Views: 463567

Re: What are you up YTD? [Year To Date]

YTD looks really good because it doesn't include October and December of 2018. My 12 month return is 4.4% :shock: Vanguard doesn't do YTD and I don't have enough fingers and toes to figure it on my own. :( Just divide current balance by the starting balance. Example: Jan 1, 2019 balance is 900k. En...
by an_asker
Tue Nov 05, 2019 6:08 pm
Forum: Personal Investments
Topic: 2018 August - Dollar Cost Averaging vs LumpSum of 420k
Replies: 46
Views: 3848

Re: 2018 August - Dollar Cost Averaging vs LumpSum of 420k

I am curious what OP did as well. This is quite an interesting thread given the thread I started within the last day!
by an_asker
Tue Nov 05, 2019 8:46 am
Forum: Investing - Theory, News & General
Topic: Low Beta vs High Beta & Lump Sum vs DCA
Replies: 2
Views: 188

Low Beta vs High Beta & Lump Sum vs DCA

I did a little excel spreadsheeting but my results were counter-intuitive. I suspect it might have been because my spreadsheeting was not really thorough. What am I talking about? Here's my question: For lump sum investing, obviously you want to have your money in a fund that gives you the greatest ...
by an_asker
Tue Nov 05, 2019 8:41 am
Forum: Personal Investments
Topic: Stock market at its peak
Replies: 32
Views: 4612

Re: Stock market at its peak

tennisplyr wrote:
Tue Nov 05, 2019 7:22 am
What's your AA, how old are you, what's your time horizon, how risk averse are you, are some of the basic questions.
+1! [AA has been answered I think - 100% stocks]
by an_asker
Mon Nov 04, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Meetup.com group platform: free or less-expensive alternative? (ORLANDO area & beyond)
Replies: 5
Views: 476

Re: Meetup.com group platform: free or less-expensive alternative? (ORLANDO area & beyond)

Why not just create (or join) a local Bogleheads chapter and see if there are like-minded miles-and-points folks. And you can then create a yahoogroup (without the web base going forward :oops: ) to circulate messages and meeting information.
by an_asker
Mon Nov 04, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6304

Re: Do you wash berries?

Wash your berries. Dry them off afterward if you don't like it. You can let them sit for a moment on a paper towl if actively drying seems odd. I agree - wash 'em. That said, I know exactly what OP is talking about. I got some raspberries a few months back - washed them then put them into the fridg...
by an_asker
Mon Nov 04, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 20 year term life???
Replies: 33
Views: 2277

Re: 15 vs 20 year term life???

I'm a smidgen uneasy having your primary life insurance (part of a long term plan) tied to your employer (an at-will relationship), so I often lean towards longer term life plans. Agree. Consistent with my bias, I don't see a good reason to go with the shorter-term here. At 59 with a 23 year old, y...
by an_asker
Fri Nov 01, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 76
Views: 11670

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

After clicking on Mel's OP link and going to an arbitrary page, I realized that the thread is pretty old. That said, a couple of days ago, I was updating my investments spreadsheet and noticed that for the year ending 09/30/2019, extended market has been outperformed by S&P500. Doesn't that essenti...
by an_asker
Fri Nov 01, 2019 9:13 am
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 76
Views: 11670

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

After clicking on Mel's OP link and going to an arbitrary page, I realized that the thread is pretty old. That said, a couple of days ago, I was updating my investments spreadsheet and noticed that for the year ending 09/30/2019, extended market has been outperformed by S&P500. Doesn't that essentia...
by an_asker
Tue Oct 29, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4366

Re: Women wearing black to a wedding?

I have a close family member getting married. I know traditionally, women didn't wear black to a wedding. I also know people here are going to say, "If you want to wear black, wear black." However, what I want to know is if in fact it isn't uncommon for women to wear black to a wedding. I don't wan...
by an_asker
Tue Oct 29, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: How to get a refund from Norwegian Airlines
Replies: 16
Views: 1135

Re: How to get a refund from Norwegian Airlines

[...] This doesn't help OP and is also hearsay, but ... A couple of years ago, we were on Norwegian from Oslo to Orlando. On the flight, I met a guy who was originally scheduled to fly from Copenhagen to Tampa. IIRC, he told me that - for whatever reason - they cancelled that flight and put him (an...
by an_asker
Mon Oct 28, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: How to get a refund from Norwegian Airlines
Replies: 16
Views: 1135

Re: How to get a refund from Norwegian Airlines

This is also an example of one of the trade offs associated with Low Cost airlines. The tickets were cheap, but there weren’t as many service recovery options as with a network carrier. Of course you are correct, but there's an upside if you fly a European carrier to Europe, including the low cost ...
by an_asker
Thu Oct 24, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need a trust? (MIL to keep extended family away from assets)
Replies: 20
Views: 3534

Re: Do we need a trust? (MIL to keep extended family away from assets)

sunny_socal wrote:
Wed Oct 23, 2019 2:33 pm
[...]They still live in the house and refuse to even consider assisted living or paid help.[...]
Story of everyone's life I think!!
by an_asker
Tue Oct 22, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 18
Views: 3223

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

software wrote:
Mon Oct 21, 2019 11:24 pm
16 reasons I don’t use Yahoo for my news...you won’t believe number 5!
How can there not be a link with that statement, like this one? :oops:

Just kidding ;-)
by an_asker
Mon Oct 21, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Photo Scanner (Recommendations Please)
Replies: 33
Views: 2007

Re: Photo Scanner (Recommendations Please)

[...] None of my digital photos have "gotten lost". They are backed up and I separate them into folders by year (2017, 2018, ...), followed by source (Canon, iPhone, Android, etc), followed by occasion and month (Halloween - 102018, Trip to Alaska - 072017, etc). Previously I used to do it by year ...
by an_asker
Mon Oct 21, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Photo Scanner (Recommendations Please)
Replies: 33
Views: 2007

Re: Photo Scanner (Recommendations Please)

Maybe this is a bit off topic but what do people do with all the digital photos? In the "old" days, you were more selective on taking photos due to the cost of the film and getting it developed. Now with digital cameras and phones you can take thousands of photos on every trip. Is anyone ever going...
by an_asker
Mon Oct 21, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Photo Scanner (Recommendations Please)
Replies: 33
Views: 2007

Re: Photo Scanner (Recommendations Please)

Hola Mates. Looking for a photo scanner to turn my paper photos into digital images, so I can be done with the former. I'd rather not spend a boatload (typical BH). Not that it matters, but I'll be storing in the cloud (google photos). Any recommendations would be appreciated! How faithful do you w...
by an_asker
Mon Oct 21, 2019 9:39 am
Forum: Personal Investments
Topic: Computershare to Schwab, individual to joint
Replies: 7
Views: 637

Re: Computershare to Schwab, individual to joint

You can only transfer to a matching registration. The transfer is initiated at the receiving brokerage. Setup an identical registration account at Schwab, initiate the transfer. Then transfer to a joint account at Schwab. Fundamentally disagree with the keep it separate crowd, but that's a personal...
by an_asker
Mon Oct 21, 2019 9:38 am
Forum: Personal Investments
Topic: Fidelity HSA questions
Replies: 32
Views: 2423

Re: Fidelity HSA questions

Make sure you are prepared for a wait. I started the transfer process to Fidelity over 3 weeks ago from Benefit Wallet and it is still not complete. I believe the delay is only on the Benefit Wallet side. The transfer process is not the same as setting the account up, which can be done with a zero ...
by an_asker
Mon Oct 21, 2019 9:36 am
Forum: Personal Investments
Topic: Fidelity HSA questions
Replies: 32
Views: 2423

Re: Fidelity HSA questions

I have an HSA account at the HSA Bank and I am considering moving my funds to another custodian. After seeing several recommendations of Fidelity, I have a few questions: 1. How easy is it to establish an HSA account at Fidelity? - Right now, I have an IRA with them but no consumer accounts. 2. Doe...
by an_asker
Mon Oct 21, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Homebuyer wants me to do a 1031 exchange. Um, what?
Replies: 81
Views: 8482

Re: Homebuyer wants me to do a 1031 exchange. Um, what?

MillennialFinance19 wrote:
Fri Oct 18, 2019 6:51 pm
[...]I was going to do one earlier this year but couldn’t identify my replacement property within the 45 day timeline.
Just curious - then what happened?
by an_asker
Thu Oct 17, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 10303

Re: What percent of net worth should a persons house be?

What percent of net worth should a persons house be? 20%. Each time your net worth increases, you expand your house; and when the stock market goes down, you need to knock down a bedroom or two! Agree with this percentage. Personally I don't factor in home value when keeping track of NW. Main metri...
by an_asker
Thu Oct 17, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 98
Views: 5563

Re: Should I take the job in OKC or Orlando?

[...] I do have other options that I will visit over the next 20 days, namely South Florida, North Carolina (close to Duke), and Virginia. I don't think you've said where you are from (wrt tolerance to heat/humidity or cold/freezes). But all else being equal, I wouldn't see why North Carolina and V...
by an_asker
Thu Oct 17, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 98
Views: 5563

Re: Should I take the job in OKC or Orlando?

As someone who lives in the area, I don't understand folks dissing Orlando. A few points though: I have lived in the area since the late 60s when my family moved here pre-Disney while I was in the 2nd grade. The disdain for Orlando from folks here is laughable. The Greater Orlando area isn't the ho...
by an_asker
Thu Oct 17, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 98
Views: 5563

Re: Should I take the job in OKC or Orlando?

As someone who lives in the area, I don't understand folks dissing Orlando. A few points though: - $200k for a two-earner household isn't crazy high, especially when one spouse is a doctor or software engineer. Heck, even two "IT" professionals should be able to top that - saving $70k with an income...
by an_asker
Thu Oct 17, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 10303

Re: What percent of net worth should a persons house be?

masonstone wrote:
Thu Oct 17, 2019 5:37 am
What percent of net worth should a persons house be?
20%.

Each time your net worth increases, you expand your house; and when the stock market goes down, you need to knock down a bedroom or two!
by an_asker
Thu Oct 17, 2019 7:12 am
Forum: Personal Finance (Not Investing)
Topic: will tradng Slumberger (SLB) trigger foriegn taxes?
Replies: 6
Views: 730

Re: will tradng Slumberger (SLB) trigger foriegn taxes?

No. The single act of trading won't trigger foreign taxes; however - I hope you have been noticing - if SLB (or any other ADR stock) throws off dividends, those are subject to foreign tax withholding and your broker should provide that information with your 1099.
by an_asker
Tue Oct 15, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 7711

Re: When is private (elementary) school worth it?

financial.freedom wrote:
Fri Oct 11, 2019 8:02 pm
bgf wrote:
Fri Oct 11, 2019 7:05 pm
did your child figure these things out himself or did you teach them?
I never taught that to him. I didn't even know he knew anything about division. They've only taught basic addition so far in 1st grade.
Does he have access to the internet? Khan Academy yada yada yada ...
by an_asker
Tue Oct 15, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 48
Views: 4698

Re: Cheap Cell Phone Plan

[...] With Republic, there is automatic handover of data when you walk into an area with an established wireless connection. It minimizes data use. I thought that is automatic with all plans (though I could be wrong) - in fact, it might be a phone setting not a plan setting. Anyway, I have the Tell...
by an_asker
Mon Oct 14, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 48
Views: 4698

Re: Cheap Cell Phone Plan

[...] Wow! I didn't know that Tello had dropped lower. I love their customer service; however, they did drop the ball in not informing me about the lower costs. They automatically changed my plan - I have 300 phone minutes that I don't need - to maintain my monthly cost! :oops: I need to wait until...
by an_asker
Fri Oct 11, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 48
Views: 4698

Re: Cheap Cell Phone Plan

[...] Wow! I didn't know that Tello had dropped lower. I love their customer service; however, they did drop the ball in not informing me about the lower costs. They automatically changed my plan - I have 300 phone minutes that I don't need - to maintain my monthly cost! :oops: I need to wait until...
by an_asker
Thu Oct 10, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1565

Re: Keep car entertainment system with fast clock or get refurbished one?

If you are satisfied with the entertainment system other than the clock, I wouldn't let them within an inch of replacing it. You may end up with much worse problems. It continues to amaze me how bad the clocks in most cars are. At least nowadays they usually keep running rather than failing complet...
by an_asker
Thu Oct 10, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1565

Re: Keep car entertainment system with fast clock or get refurbished one?

What's the problem with a refurbished unit? The car is not brand new either. Refurbished items are actually tested for defects, vs new ones are nowadays mostly never tested. I don't know, but using your logic, refurbished iPhones should be more expensive than new non-refurbished iPhones which have ...