Search found 2156 matches

by an_asker
Fri Oct 19, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Timing mortgage pay down
Replies: 37
Views: 2100

Re: Timing mortgage pay down

I understand that, Klangfool. But that isn’t the question. Some people may have different comfort levels with debt or different goals altogether. For example, Retiring Russ may be retiring in 15 years and may decide to pay his mortgage off in 15 years as opposed to 30 years so he doesn’t have a mor...
by an_asker
Fri Oct 19, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 50
Views: 4504

Re: Best way to complain about Hertz bait-and-switch?

Yesterday I flew into the Salt Lake City airport where I met my elderly father, uncle, and his wife as the first step of our vacation. My dad had reserved a car from Hertz, an Infiniti QX70. At the Hertz counter the clerk gave us the standard upsell to a larger vehicle, a Land Rover Discovery for $...
by an_asker
Fri Oct 19, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 50
Views: 4504

Re: Best way to complain about Hertz bait-and-switch?

Yesterday I flew into the Salt Lake City airport where I met my elderly father, uncle, and his wife as the first step of our vacation. My dad had reserved a car from Hertz, an Infiniti QX70. At the Hertz counter the clerk gave us the standard upsell to a larger vehicle, a Land Rover Discovery for $...
by an_asker
Fri Oct 19, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Namibia question
Replies: 11
Views: 926

Re: Namibia question

Experienced travelers -- I am contemplating a family trip to Namibia and wonder what those who have been have to report back in terms of the experience, price, and range of things to do. I've made some 40 trips to parts of Africa, yet I have never traveled to Namibia nor have I seen any geography l...
by an_asker
Fri Oct 19, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 82
Views: 6364

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

[...]And despite his arguments, I do keep my own mortgage, for the same reason he did. I max out my retirement accounts, but my mortgage is fully deductible and at a very low rate (2.625%, 1.79% after state and federal tax), so I can earn more by investing an equal amount in bonds, without taking e...
by an_asker
Thu Oct 18, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 643
Views: 75346

Re: Picking College and College Scholarships

GCD wrote:
Fri Mar 16, 2018 10:41 am
And I would urge people not to be offended by nerd, dork, etc. As I understand it there is an emerging "nerd culture" and I'm sure many people on this board think of themselves as nerds. I know I mean no offense at using the term. I hope none is taken.
Or by "dude" :oops:
by an_asker
Thu Oct 18, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 82
Views: 6364

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

[...]And despite his arguments, I do keep my own mortgage, for the same reason he did. I max out my retirement accounts, but my mortgage is fully deductible and at a very low rate (2.625%, 1.79% after state and federal tax), so I can earn more by investing an equal amount in bonds, without taking e...
by an_asker
Thu Oct 11, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs. Cash
Replies: 28
Views: 2172

Re: Mortgage vs. Cash

Hi all, [...] We have recently sold our home in the Mid-Atlantic and have moved to New York State We are under contract on a house with a sales price of $575K (but have not yet signed with a lending company - although I have locked in a rate of 4.65% on a 30 year fixed) and will need to decide one ...
by an_asker
Wed Oct 10, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5753

Re: What the heck is growing in my yard?

Momus wrote:
Wed Oct 10, 2018 3:26 pm
Some edible mushrooms are selling for top dollars at restaurants $20-50/lb. You might actually find yourself a nice surprise here...

If this is maitake (hen of woods) like others mentioned, they are like $20/lb.
Let it grow let it grow let it grow!! ;-)
by an_asker
Wed Oct 10, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of the current correction
Replies: 28
Views: 3577

Re: Taking advantage of the current correction

loklav wrote:
Wed Oct 10, 2018 3:23 pm
WhiteMaxima wrote:
Wed Oct 10, 2018 3:18 pm
correction is a drop 10% or more. 3% is barely noise.
Well since the last 4/5 sessions I think, it's more than 3% right?
Not a lot more (still closer to 3 than 10!). I've been following SPY (S&P 500 ETF). It's fallen just about six percent or so off its high - 292 to 277.
by an_asker
Wed Oct 10, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Very few junk phone calls in Spain?
Replies: 14
Views: 683

Re: Very few junk phone calls in Spain?

Probably because we have more crooks in the US; and the crooks in Russia, India, Ukraine, etc. only take the time to learn English (not Spanish). Perhaps also because there is a higher-hit rate on Americans who have money to spend and fall for the scams. There is no sense scamming random folks if a...
by an_asker
Wed Oct 10, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2149

Re: FAFSA questions

Thanks once more to everyone who answered - and to the stock market for taking a tumble (our numbers will definitely be lower than they'd have been yesterday, or the day before - maybe I should wait until Friday ;-) )
by an_asker
Wed Oct 10, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5753

Re: What the heck is growing in my yard?

wilshuer wrote:
Wed Oct 10, 2018 2:41 pm
Hen of the wood mushroom.
That's what google images says too :-)
by an_asker
Wed Oct 10, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Very few junk phone calls in Spain?
Replies: 14
Views: 683

Re: Very few junk phone calls in Spain?

Probably because we have more crooks in the US; and the crooks in Russia, India, Ukraine, etc. only take the time to learn English (not Spanish). Perhaps also because there is a higher-hit rate on Americans who have money to spend and fall for the scams. There is no sense scamming random folks if a...
by an_asker
Wed Oct 10, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth --> Filling out FAFSA
Replies: 8
Views: 747

Re: Backdoor Roth --> Filling out FAFSA

I'm a parent filling out FAFSA as well. I don't recall seeing any of these questions. Is it because I just gave them my IRS info and let them have at it? Don't know for sure, but if your form 1040 line 15 entries were zeros it probably wouldn't prompt for further information. See What were your par...
by an_asker
Wed Oct 10, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1552361

Re: Stocks tumbling?

Anyone know what could potentially be causing this drop? Those motivated to sell: ... - sugar daddies who need to buy their girl a toy right now ... Those motivated to buy: - Bogleheads with dry powder (aka cash, before you guys jump to conclusions) ... Call girls are buying. Put girls are selling....
by an_asker
Wed Oct 10, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2149

Re: FAFSA questions

What is the CSS? OK, one last question for this thread: Investments include real estate (do not include the home in which your parents live), rental property (includes a unit within a family home that has its own entrance, kitchen, and bath rented to someone other than a family member), trust funds,...
by an_asker
Wed Oct 10, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth --> Filling out FAFSA
Replies: 8
Views: 747

Re: Backdoor Roth --> Filling out FAFSA

Hello, My wife and I made a non-deductible contribution to a traditional IRA ( $11,000 total ) and converted it to a Roth IRA ( backdoor Roth ) I am trying to see how this event plays out in filling out the following questions on FAFSA application... Q1. Untaxed portions of IRA distributions from I...
by an_asker
Wed Oct 10, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1552361

Re: Stocks tumbling?

Anyone know what could potentially be causing this drop? There does not appear to be any significant recent events that could cause investors to be concerned. Trying to mutter to myself "stay the course stay the course." I guess we just need to be patient and wait to see what happens...Trying to bl...
by an_asker
Tue Oct 09, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3839

Re: How to get over paper loss?

I am someone who can agonize over lost money. Every purchase in my life I try to optimize as efficiently as possible and if I find an area where I wasted 20 bucks it can drive me mad. On the same day I am beating myself up over forgetting to use a coupon before it expired I am may be down a couple ...
by an_asker
Tue Oct 09, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3839

Re: How to get over paper loss?

I've held onto $20k company stock from my ESPP and had a paper loss of about $6-7k. Bogleheads advised me to sell it all and buy an index fund and don't try to time the market. I really didn't want to take a loss, but decided to sell $10k company stock and put it all in SCHB last week. A week later...
by an_asker
Tue Oct 09, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9580

Re: What is your annual cost for health insurance?

Texanbybirth wrote:
Tue Oct 09, 2018 10:57 am
HDHP: 2.7k ded/5.4k OOP Max
2017 premium: $20k (Fully paid by employer, they also contr $4k to HSA)
family of 4, soon to be 5
financial industry
[...]
I thought that deductibles need to be higher than that for HDHP plans!!

You're smart or lucky or both :-)
by an_asker
Tue Oct 09, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9580

Re: What is your annual cost for health insurance?

As am American, I find this quite depressing. In order to retire and not worry about medical expenses, I've got four options: 1 - Wait until I'm 65 years old to get Medicare -- So much for retiring early. :? 2 - Get a disease state that puts me on Medicare at an early age -- But I don't want to be ...
by an_asker
Tue Oct 09, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9580

Re: What is your annual cost for health insurance?

Also probably, age is important. Obamacare policies cost more as you get older. Age 60 Myself and 2 kids Kaiser policy with no out of network option. 19000 premium per year, no subsidy deductilbe 4700 I work in health care This is crummy, obamacare policy Try not to get sick That is crazy! It's not...
by an_asker
Tue Oct 09, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 2959

Re: Dayton, Ohio -- Worth Visiting?

I'm planning a road trip and considering making Dayton one of the stops. Mainly to check out all the aviation-related stuff in the area (Wright Bros., etc.). Some questions: I've heard that parts of Dayton can be sketchy/unsafe. Is this true? Which parts? We usually like to stay downtown when visit...
by an_asker
Mon Oct 08, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: Child is HS senior: Should college fund have any equities?
Replies: 28
Views: 2272

Re: Child is HS senior: Should college fund have any equities?

I would sell equities and move to cash. In fact, I just did last month as posted about it here, and my child is only a sophomore in HS. The question I asked myself is which one I would regret more, giving up potential gains if market keeps going up or losing money saved for college and not having i...
by an_asker
Mon Oct 08, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2149

Re: FAFSA questions

I forgot the 529. My understanding is that if we have a 529 for DD, we don't need to show that on our DS's FAFSA application... The 529 is added into your investment count, but does not go into your DDs investment sestion. If you have multiple 529s for different dependents you add them ALL up toget...
by an_asker
Mon Oct 08, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2149

Re: FAFSA questions

[...] It is true that some colleges will require you to fill out the FAFSA to be eligible even for merit aid. This. Is the only reason I even wanted to fill out the FAFSA! [edited to add]: We have FL prepaid tuition plans for both kids, so that would be the default no brainer; however, the only rea...
by an_asker
Mon Oct 08, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2149

Re: FAFSA questions

1. Since securities are given in #2, it really is cash. I didn't have CDs nor savings accounts, nor cash stashed in the mattress, so I only had to see what was in a single checking account and my spouse's purse. I am sure no one will come looking if you are $20 off. 2. I would use this weekend's va...
by an_asker
Mon Oct 08, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2149

Re: FAFSA questions

Spoiler-alert: The end result of my filling out the FAFSA was that my son was offered $2K in work-study for this academic year -- I'm still waiting for him to apply for an on-campus job. His current school's tuition is about $50K per year. In filling out the FAFSA, 1. I entered the amounts from che...
by an_asker
Mon Oct 08, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2149

Re: FAFSA questions

Why do you think they are “gotcha” questions? Didn’t you expect to have to provide information on your accounts’ values and your income for some specific date/period? Honestly speaking, I didn't know what to expect. But I gave my SSN (which I didn't want to do but didn't really have a choice), gave...
by an_asker
Sun Oct 07, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2149

FAFSA questions

Let me apologize in advance if this question has been previously asked and answered. I'm helping DS fill out the FAFSA, and got to the following two questions: 1 - As of today, what is your parents' total current balance of cash, savings, and checking accounts? 2 - As of today, what is the net worth...
by an_asker
Wed Sep 26, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5135

Re: Vacation without saving adequately?

We were approached by a couple who wants to go on a ski trip this winter. We will likely not be able to save up enough to cover the costs without dipping into savings. We are in a comfortable position, fully contributing to our 401k and Roths and have 6 months of expenses tucked away. I am feeling ...
by an_asker
Wed Sep 26, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 7896

Re: I see now why Rollovers can take FOREVER ....

The Wizard wrote:
Mon Sep 17, 2018 7:40 am
I would have just taken that $200 in cash and paid taxes on it...
This is live"but-pay-no-taxes"soft we're talking about here ;-)
by an_asker
Wed Sep 26, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 7896

Re: I see now why Rollovers can take FOREVER ....

Lucky me, when I was a substitute teacher I had no problems like this because the state in their wisdom automatically and involuntarily enrolled me in a 403(b) program with, IIRC, Great West. I did not have the option of not contributing, and the only investment option was a money market fund (real...
by an_asker
Mon Aug 20, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?
Replies: 24
Views: 2176

Re: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?

It might be OT with respect to OP (or not), but I am fascinated by this discussion. Thanks folks! Another thing: a few years back, my wife observed (not just she, most everyone else, is much better than me in this regard) that in countries that don't have English as their native language, the younge...
by an_asker
Thu Aug 16, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: steel cut oats wash/rinse before cooking
Replies: 26
Views: 3374

Re: steel cut oats wash/rinse before cooking

Jazztonight wrote:
Fri Jul 27, 2018 10:50 pm
[...]
Keep the 25 lbs. of oats in a sealed container until ready to use. If you see bugs, you're on your own.
That's quite the description of preparing oats/oatmeal! :sharebeer

Surely it depends on where OP sees bugs ;-)
by an_asker
Fri Jul 20, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 5/5 Arm Rate Reset?
Replies: 16
Views: 1237

Re: Penfed 5/5 Arm Rate Reset?

I'm in the same boat. My 5/5 ARM with PenFed goes from 2.65 to 4.65 in January 2019. I'm thinking of refinancing around December into a 15-year fixed instead of doing the rate reset. We'll see what rates are then. Didn't you get the same offer from PenFed? I did, but (1) it's only for 60 months, an...
by an_asker
Fri Jul 20, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: I ran out of credit card signups bonus...
Replies: 106
Views: 16222

Re: I ran out of credit card signups bonus...

takeshi wrote:
Tue Aug 29, 2017 5:25 pm
Could or couldn't?
Image
Love that graphic!!!
by an_asker
Fri Jul 20, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7223

Re: Families - What's your total annual credit card spend?

We pay almost everything with a credit card: phone bills, other utilities, insurance, college tuition, plus all the usual stuff. We try to never ever use cash for anything. So about $17 a year. Seventeen dollars!?? Sign me up! I can retire in 5 years at that rate of spending. Meg77 - with one year'...
by an_asker
Fri Jul 20, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 5/5 Arm Rate Reset?
Replies: 16
Views: 1237

Re: Penfed 5/5 Arm Rate Reset?

cccheel wrote:
Fri Jul 20, 2018 10:33 am
I'm in the same boat. My 5/5 ARM with PenFed goes from 2.65 to 4.65 in January 2019. I'm thinking of refinancing around December into a 15-year fixed instead of doing the rate reset. We'll see what rates are then.
Didn't you get the same offer from PenFed?
by an_asker
Fri Jul 20, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 5/5 Arm Rate Reset?
Replies: 16
Views: 1237

Re: Penfed 5/5 Arm Rate Reset?

[...] There is no catch, I did the same thing a few years ago (and there is a thread on Bogleheads about it somewhere). If I remember correctly, I went from 3.25% to 2.65% for the second 5 years for $250, which made me, at the time, super suspicious, but it is all good. There is no catch. I wasn't ...
by an_asker
Thu Jul 19, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Two Questions - College Tuition Payments
Replies: 11
Views: 1130

Re: Two Questions - College Tuition Payments

[...] 2. Is there a reason I should pay the tuition in 4 installments instead of one lump sum if I have the money to do so? The charge for setting up the payment plan is $25 and amount due is $7500. I am leaning towards lump sum unless someone has a different suggestion that makes sense. Thanks One...
by an_asker
Thu Jul 19, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 6790

Re: $540 a month on food for graduate student budget too much?

[...] You don't have to eat rice, pasta, bread, potatoes at all. A can of black beans is about 60 cents at Walmart and can be split over 3 meals made of vegetables such as broccoli, corn, spinach, carrots, and so on. [...] Most all is right on the money here, but I have to complain about the canned...
by an_asker
Wed Jul 18, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Alaska Trip/Cruise Summer of 2020. Help me plan
Replies: 23
Views: 1838

Re: Alaska Trip/Cruise Summer of 2020. Help me plan

It depends a lot on what your priorities are. Obviously a very big state, and hard to see it all. For standard packages and cruises, Costco is pretty good on pricing. A standard package might be to fly into Fairbanks, spend a day or so there, then take train to Denali, stay a day or two, then on to...
by an_asker
Wed Jul 18, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 3123

Re: Would you pay $120 for a 5 year dishwasher warranty?

Cycle wrote:
Mon Jul 16, 2018 6:31 pm
No. if it breaks just buy another one.
A different brand/make, I hope! :oops:
by an_asker
Fri Jul 13, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10314

Re: When does frugal cross the line to cheapskate?

Wednesday my wife texts me to pick up some water bottles with the squirt top. I later reply "but the regular spring water is like half the price per oz" Fortunately I married a frugal woman, who just went through our budget a couple weeks ago and she was cool with it. But I did feel kind of like a ...
by an_asker
Fri Jul 13, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10314

Re: When does frugal cross the line to cheapskate?

KyleAAA wrote:
Fri Jul 13, 2018 12:08 am
When someone else does it.
We have a winner. I wasted two responses on this thread. Your answer just about sums it up!! #I_need_a_trophy_icon!!!
by an_asker
Fri Jul 13, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10314

Re: When does frugal cross the line to cheapskate?

If your frugality is making someone unhappy, you've crossed the line. That someone could be somebody else ("stingy,") or it could be you ("miserly.") I disagree with that. The fact that I don't buy my mom a porsche that I can afford might make her unhappy, but it doesn't make me a cheapstake or a m...
by an_asker
Fri Jul 13, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10314

Re: When does frugal cross the line to cheapskate?

Hi, Boglers, There was an interesting thread on Reddit recently with this same question. I was wondering what you folks think. Cheers :sharebeer Probably when instead of just living below your means, you try to live at a higher level with somebody else picking up the tab. Has anyone realized that i...