Search found 2078 matches

by an_asker
Wed Apr 25, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Does it ever make sense to not contribute to retirement accounts?
Replies: 30
Views: 1963

Re: Does it ever make sense to not contribute to retirement accounts?

If I had an 8 figure net worth and was still reasonably healthy, I wouldn't a) work in the most commonly used sense of the word, b) worry about where I put the money and c) stay put in one place for any length of time (in other words, my life would be a lifelong travel vacation...) And I would defin...
by an_asker
Tue Apr 24, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Question charging smart phones
Replies: 17
Views: 1255

Re: Question charging smart phones

1. Aim to charge to almost 100% (so you don't run out of charge when you need it), start charging around 50%, and unplug once charged. HOWEVER... 2. Don't obsess over it. Charge your phone when you think you need it. Don't worry. Be happy. There are more important things in life to think about. Dud...
by an_asker
Tue Apr 24, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 71
Views: 6109

Re: Nomadic lifestyle in their 50s

Together for 20+ years. We are both in our early 50's with no children. - we have both done well in savings, no debt. - living in a downtown condo - no mortgage We already travel a lot on somewhat thrifty vacation (3 times a year) and family (2 times a year). Also my folks are getting older (late 7...
by an_asker
Tue Apr 24, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2440

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

I’ve paid income taxes and property taxes on credit cards several times. Did it in December and January to meet minimum spend to achieve Southwest companion pass status. Cost me about $400 in fees....but airline tickets for two trips this year that would’ve cost me $3700 are now free. And I’ll have...
by an_asker
Mon Apr 23, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2440

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements. I am looking to open some new credit cards for their rewards and need to spend at least $3k in 3 months for some of them. I am wondering if it is stupid or smart to pay estimated business taxes with credit card...
by an_asker
Mon Apr 23, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Question charging smart phones
Replies: 17
Views: 1255

Re: Question charging smart phones

I remember reading somewhere recently that it is better to recharge the phone a) when it has <20% charge left (but before it dies) and b) to 80+ percent (but not all the way to 100). Not that I've done it regularly until then ... or after reading the piece (though I've certainly become more consciou...
by an_asker
Mon Apr 23, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Computershare Transfer Question
Replies: 8
Views: 657

Re: Computershare Transfer Question

I'm getting ambiguous official answers. Has anyone here transferred shares from Computershare Transfer Agent to Vanguard? How was the process like and what specifically did you have to do to transfer shares? I only get annual statements from Computershare and I'm planning on mailing that, has that ...
by an_asker
Mon Apr 23, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Car driver's power window - problem - ideas?
Replies: 13
Views: 885

Re: Car driver's power window - problem - ideas?

Our generally great 1998 Camry has an intermittent problem with the drivers power window. Occasionally, it stops part way doen - does nothing - then moves a little and, so far, eventually will close. Then, it is fine for a while. Last year, my wife had the motor (I think) replaced and it was fine f...
by an_asker
Sat Apr 21, 2018 6:56 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 263
Views: 15703

Re: KF's simple rules to achieve FI

Folks, The followings are some of the rules that I used. It may work for some folks. On this thread, I will compile some of them and provide the reasoning and thought behind those rules. You should adjust them based on your own circumstances. I am an engineer. So, I am biased towards my income and ...
by an_asker
Wed Apr 18, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4316

Re: PC laptops

Just to clarify some points... New Chromebooks can now install almost every android app from the play store. I have yet to find an app I use that won't install. Only older chrome books may not be able to install Android apps from the Google play store. As far as excel spreadsheet replacement... Goo...
by an_asker
Wed Apr 18, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4316

Re: PC laptops

... with Chromebooks, can you download documents/files off the web - jpg/pdf/mp3/... - to a local storage device; something USB based such either a flash drive or a external hard drive? With Chromebooks, you certainly can download documents/files from the web in any format, including the ones you m...
by an_asker
Wed Apr 18, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5200

Re: I want to pay off my mortgage. Am I crazy?

[...]Only debt is primary home mortgage Mortgage rate is 2.6% Interest is tax deductible (we will continue to itemize going forward due to large charitable contributions) Effective mortgage rate is 1.4% after tax benefits (high state and federal taxes) 5 years left on the 10 year mortgage, with a q...
by an_asker
Wed Apr 18, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325556

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

kenyan wrote:
Wed Apr 18, 2018 10:16 am
XIRR has me UP 0.09%. Break out the caviar!

With Beardstown math I'm up 4.2% (not annualized).
Haha! Depending on which day I check, I'm either up or down YTD.

If I use Beardstown logic, I'm always up at least 10%!
by an_asker
Wed Apr 18, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Tax day come and gone.....
Replies: 29
Views: 2934

Re: Tax day come and gone.....

For sure: The bonds belong in the 401k if there is anything like a suitable fund available. The tax man will be around for a long time - and a growthy 401k will lead to higher RMDs later on - taxed at ordinary income rates . If there are no decent bond funds, then a low equity Target Date or LifeSt...
by an_asker
Wed Apr 18, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10890

Re: Quitting job - what to do if getting walked to the door

[...] Thanks for the information. ACA was less than half the cost of COBRA for us. That's what we would've done to bridge the gap if needed. That is strange. Were you getting comparable benefits and access to doctors? If so, I would think your previous employer was getting ripped off!! What we pay ...
by an_asker
Wed Apr 18, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9390

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I can pay a portion of it but it'll be very difficult to pay all of it. Call the number on the bill and tell them exactly that. Are they open to listen when calls like that are made? What if they reject it outright? Call them - it won't hurt. Just say exactly what you said in your OP. That you have...
by an_asker
Wed Apr 18, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4316

Re: PC laptops

I recommend you buy a Chromebook if all you do is email and surf the web. The CB maintains itself and is by far the most secure Laptop you can buy. Due to the nature of the Cloud based OS, malware, spyware, ransomware and viruses cannot install on the device. Everytime the CB boots up it compares t...
by an_asker
Wed Apr 11, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 5881

Re: Bill Bernstein, new podcast

Thanks for the link! It's always great to hear Bill Bernstein's thoughts. This isn't really fair to rip this out of context, but here's my favorite soundbite: "...a suboptimal strategy that you can execute is better than an optimal strategy you can’t execute." Nice soundbite, because that is the qu...
by an_asker
Wed Apr 11, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 5881

Re: Bill Bernstein, new podcast

Thanks for the link! It's always great to hear Bill Bernstein's thoughts. This isn't really fair to rip this out of context, but here's my favorite soundbite: "...a suboptimal strategy that you can execute is better than an optimal strategy you can’t execute." Nice soundbite, because that is the qu...
by an_asker
Thu Apr 05, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 5881

Re: Bill Bernstein, new podcast

Thanks for the link! It's always great to hear Bill Bernstein's thoughts. This isn't really fair to rip this out of context, but here's my favorite soundbite: "...a suboptimal strategy that you can execute is better than an optimal strategy you can’t execute." Nice soundbite, because that is the qu...
by an_asker
Wed Apr 04, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5411

Re: 2018 Camry. What's wrong with me?

[...]Again, the Miata is a slow car, and by "nailing" the throttle I don't mean it's necessarily at the floor. I'm saying you get on the gas precisely at correct apex point in the turn so as to minimally upset the balance of the car. That is 100% the safest and most correctable way to navigate a tu...
by an_asker
Wed Apr 04, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5411

Re: 2018 Camry. What's wrong with me?

[...]What is a 325ci? Is this a humble brag? :confused No, not really. It was a mid-spec 3 series of that era. They are worth next to nothing in the used market, so it's hardly fancy. That's funny. Last month, I saw a car in front of me that looked rather fancy. The license plate bracket (or whatev...
by an_asker
Wed Apr 04, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5411

Re: 2018 Camry. What's wrong with me?

Last weekend I test drove a 2018 Camry. After the drive I walked away feeling numbed. It seemed the new Camry didn't instill any sense of emotions into me. No wows. No oohs. Nothing. It was a nice compliant drive but lacking any connections and excitement. Could it be that I already set up myself f...
by an_asker
Tue Apr 03, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Protecting personal privacy on-line - CBS News
Replies: 28
Views: 2104

Re: Protecting personal privacy on-line - CBS News

Just viewed a piece on CBS News citing a security expert who suggests doing the following to maintain your privacy on the internet: Step 1. Buy a new computer, not associated with your previous browsing history Step 2. Buy a mobile hotspot and set that up for use with your new computer. Step 3. Set...
by an_asker
Tue Apr 03, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 90
Views: 10019

Re: Retire at 55, what's the magic number

Hello, I know there are a lot of variables to this question, but curious what amount of money fellow BHs would want to have saved/invested in order to retire at 55. Make the assumption that a) you would be 100% debt free and b) dual SS when that time comes. What's your number? Thanks There's an add...
by an_asker
Fri Mar 30, 2018 11:57 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17322

Re: A lot of heavy hitters this morning

Love this board but can't help to feel disconnected this morning when the first 3 posts are something like: 1) I will be making $350K, should I save for my kid's 529? 2) Should I buy a $1.2 million condo? My inlaws just gave me $235K. 3) I got a $600K windfall...should I pay off mortgage? Feeling a...
by an_asker
Fri Mar 30, 2018 10:23 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17322

Re: A lot of heavy hitters this morning

Don’t feel demoralized. Look at it this way - if husband and wife work for even just 20 years and just save normally, they would save Husband 401(k) = 18,500 Husband match = 6,000 Wife 401(k) = 18,500 Wife match = 6,000 2x Backdoor Roth = 11,000 529 = 6,000 (say only $500 per month) HSA = 6,900 Tot...
by an_asker
Sun Mar 11, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4425

Re: Men's Cologne

JBTX wrote:
Sat Mar 10, 2018 11:54 am
I hate colognes and the person that wears it at work is a rarity.

I find the following paradoxical: “if you can smell it, you’re wearing too much!!” Then what is the point of wearing it?
No it is NOT paradoxical. The human nose gets used to odors pretty quickly.
by an_asker
Sun Mar 11, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Something weird this day came
Replies: 22
Views: 2725

Re: Something weird this day came

Yooper wrote:
Sun Mar 11, 2018 7:28 am
Hints of the "Red-Headed League"..........
I thought this sounded like the beginning of a Sherlock Holmes mystery as well!!
by an_asker
Thu Mar 01, 2018 4:26 pm
Forum: Forum Issues and Administration
Topic: Extreme views, kite flying and benchmarking
Replies: 6
Views: 688

Re: Extreme views, kite flying and benchmarking

I understand what you are saying but I doubt it works that way! Unless you've a rogue moderator (I am obviously not saying there is one!) who deletes all contrary opinions! ;-)
by an_asker
Thu Mar 01, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why child care tax credit for double income families, but not single?
Replies: 32
Views: 3551

Re: Why child care tax credit for double income families, but not single?

I sympathize with to OP. By making the difficult decision for a spouse to stay home and raise the next generation, you not only take on hardship as a result of the lost income but you also lose credits and benefits. Loss of the dependent care deduction is one of them. The government does not incent...
by an_asker
Wed Feb 28, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 5928

Re: Does anyone realize how special last year was?!

Except for taxes there really isn't anything special about the calendar year vs. any other consecutive 12 month periods. So my question is, was this the first time there has been a consecutive 12-month increase? I doubt very much that that is the case. Someone else also commented that the late 1990...
by an_asker
Wed Feb 28, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Webpage - anything better?
Replies: 9
Views: 902

Re: Schwab Webpage - anything better?

Nice to know that one way or the other, you can customize the Schwab website.

OP:

That said, this is just me, but there is no way I would open my primary savings/checking account information in the office!
by an_asker
Wed Feb 28, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3470

Re: New vehicle research

My wife is really wanting to get a new vehicle. She doesn't like our 2010 Corolla with ~150k on it. She has narrowed her choices down to: 2018 Buick Encore 2018 Toyota RAV-4 2018 Toyota Camry While it would technically become my daily driver, I am only an advisor. I like the Corolla. :D Her primary...
by an_asker
Wed Feb 28, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3470

Re: New vehicle research

My wife is really wanting to get a new vehicle. She doesn't like our 2010 Corolla with ~150k on it. She has narrowed her choices down to: 2018 Buick Encore 2018 Toyota RAV-4 2018 Toyota Camry While it would technically become my daily driver, I am only an advisor. I like the Corolla. :D Her primary...
by an_asker
Wed Feb 28, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Move to Orange County
Replies: 50
Views: 4067

Re: Move to Orange County

Valuethinker wrote:
Wed Feb 28, 2018 10:20 am
[...]Also things like gasoline are quite expensive.[...]
Gas is NOT quite expensive in CA. Gas is QUITE expensive in Europe.

Gasbuddy indicates a price of about $3.25/gallon of regular gas in a couple of places in CA that I checked. In Europe, that would be about $10.00 or so probably.
by an_asker
Tue Feb 27, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 5928

Re: Does anyone realize how special last year was?!

Except for taxes there really isn't anything special about the calendar year vs. any other consecutive 12 month periods. So my question is, was this the first time there has been a consecutive 12-month increase? I doubt very much that that is the case. Someone else also commented that the late 1990...
by an_asker
Tue Feb 27, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 5928

Re: Does anyone realize how special last year was?!

Except for taxes there really isn't anything special about the calendar year vs. any other consecutive 12 month periods. So my question is, was this the first time there has been a consecutive 12-month increase? I doubt very much that that is the case. Someone else also commented that the late 1990...
by an_asker
Tue Feb 27, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 5928

Re: Does anyone realize how special last year was?!

Curious, how do you guys track net worth. Assets - liabilities, do you use Personal Capital or manually? I think using PC would be easy but I noted it has real estate values that are wrong.. in the ballpark but still wrong. I knew something actionable would come out of this thread ;-) I track net w...
by an_asker
Tue Feb 27, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401k or contribute to ESPP
Replies: 40
Views: 1750

Re: Max 401k or contribute to ESPP

Here is a question for you... I currently contribute 10% of my salary to my 401k which is about $10,500 annually. My company offers ESPP at 15% discount at end of day price. I am able to sell immediately. The issue is this, I can't afford to max out my 401k plus the additional 10% max for the ESPP....
by an_asker
Tue Feb 27, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401k or contribute to ESPP
Replies: 40
Views: 1750

Re: Max 401k or contribute to ESPP

Here is a question for you... I currently contribute 10% of my salary to my 401k which is about $10,500 annually. My company offers ESPP at 15% discount at end of day price. I am able to sell immediately. The issue is this, I can't afford to max out my 401k plus the additional 10% max for the ESPP....
by an_asker
Tue Feb 27, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 5928

Re: Does anyone realize how special last year was?!

So, I was just doing a cursory check of net worth and confirmed what I knew already - net worth was taking a beating for the month of 01/2018. That's odd. January was a terrific month. Now February on the other hand... My bad. Should've said 02/2018! :oops: And yet February isn't even over! :twiste...
by an_asker
Tue Feb 27, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 5928

Re: Does anyone realize how special last year was?!

JoeRetire wrote:
Tue Feb 27, 2018 1:18 pm
an_asker wrote:
Tue Feb 27, 2018 8:04 am
So, I was just doing a cursory check of net worth and confirmed what I knew already - net worth was taking a beating for the month of 01/2018.
That's odd. January was a terrific month. Now February on the other hand...
My bad. Should've said 02/2018! :oops:
by an_asker
Tue Feb 27, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Personal rules for buying in a down market?
Replies: 55
Views: 4009

Re: Personal rules for buying in a down market?

I am confident that I can reach my long-term financial goals at a roughly 65/35 allocation, and I really don't ever want to drop my equities allocation below that, no matter how much money I have. All new money goes in according to that allocation pretty much immediately. If the stock market crashe...
by an_asker
Tue Feb 27, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 5928

Re: Does anyone realize how special last year was?!

Thanks for the responses. I just felt this was something special, so posted. The only actionable item from this is that a) it is likely a good thing to track one's net worth for historical trend purposes and b) staying on course will always do good to net worth :-) Besides that, I do realize that th...
by an_asker
Tue Feb 27, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 5928

Does anyone realize how special last year was?!

So, I was just doing a cursory check of net worth and confirmed what I knew already - net worth was taking a beating for the month of 01/2018. Then I went back in time to see when this last happened - found out that our net worth last fell in the month of 10/2016. That means that not once in the yea...
by an_asker
Mon Feb 26, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Help with GIANT interest car loan (28%)
Replies: 44
Views: 5372

Re: Help with GIANT interest car loan (28%)

Out of curiosity, has she already spoken with your brother and/or her parents regarding this situation? Personally, I'd be concerned with providing too much guidance to my brother's wife unless he asked for it! OP: Is this your brother's wife or is it your wife's sister? If it's the latter (and if,...
by an_asker
Mon Feb 26, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Help with GIANT interest car loan (28%)
Replies: 44
Views: 5372

Re: Help with GIANT interest car loan (28%)

Out of curiosity, has she already spoken with your brother and/or her parents regarding this situation? Personally, I'd be concerned with providing too much guidance to my brother's wife unless he asked for it! OP: Is this your brother's wife or is it your wife's sister? If it's the latter (and if,...
by an_asker
Mon Feb 26, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: % of net worth to sink into property?
Replies: 8
Views: 1065

Re: % of net worth to sink into property?

What would your rent be for a comparable property? What is your income? Hey Tamarind, rent right now is subdued due to high supply in the market. Right now rent is in the $2,500/month range. Previously, the same flat would have costed $3,200. Household income is approximately $200,000. How have the...