Search found 959 matches

by jackholloway
Sun Jan 12, 2020 2:59 am
Forum: Personal Finance (Not Investing)
Topic: legalplans - worth it, share your experience
Replies: 9
Views: 999

Re: legalplans - worth it, share your experience

I had a will drawn up by a Hyatt lawyer. It was ok, but rather boilerplate. I expect that a more experienced lawyer would have asked more questions about what we wanted from our trust, but it met our requirements, and was a lot better than not having a will. Our lawyer was fairly new, and had we not...
by jackholloway
Tue Dec 17, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Gifts to your employees- how much?
Replies: 113
Views: 6955

Re: Gifts to your employees- how much?

I managed a couple dozen people, all of whom are highly compensated. We give year end bonuses that are substantial, and that represent the company, I usually get a small personal token that I sign, some chocolates, a construction toy, or something else whimsical out of pocket, and I purposefully set...
by jackholloway
Wed Dec 11, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 93
Views: 6036

Re: Which iPhone would you buy today?

I like the pictures coming from my 11 pro a bunch.
by jackholloway
Sat Nov 16, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: TV Speakers/sound bar/bose wave
Replies: 20
Views: 1918

Re: TV Speakers/sound bar/bose wave

I love my Sony ht-st5000. Small, great sound, atmos. I do wish it had a rear channel, but otherwise totally satisfied.
by jackholloway
Sat Jul 27, 2019 5:03 pm
Forum: Personal Investments
Topic: High tax bracket = good reason for deviating from the lazy 3-fund portfolio?
Replies: 22
Views: 2778

Re: High tax bracket = good reason for deviating from the lazy 3-fund portfolio?

The thread listed above has some good ideas, but before you go there, stop and ask whether you are willing to take on the extra burden those strategies imply. The one-fund growth portfolio, or one-fund target retirement funds are very good choices, but they produce bond dividends in taxable. For me,...
by jackholloway
Tue Jun 25, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 5085

Re: Am I falling into the trap of judging everything through cost lens?

Something like 10% of my budget goes to travel. I am totally happy paying for discounted business class for an overseas flight, so I can sleep on the plane and get an extra day of vacation. Of course, there is a limit - it is worth an extra 4k for the whole family, but not an extra 8k. For me, the b...
by jackholloway
Thu Jun 13, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Professional work titles
Replies: 30
Views: 2914

Re: Professional work titles

My megacorp controls titles fairly tightly. A manager could have between half a dozen and two dozen people, a director from 50 to 150, with some wiggle room, but it is effectively impossible to get a title without a very drawn out promotion process. At many other companies I worked at, I had a senio...
by jackholloway
Wed May 15, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: [Another] How much to spend on a car/what to get thread
Replies: 27
Views: 1573

Re: [Another] How much to spend on a car/what to get thread

I make a fair amount, and have test driven accords, Teslas, Volvos,Lexi, and Toyotas. For me, the Accord hit the sweet spot of comfort and zippiness. For a family member, the Camry’s living-room-on-wheels feel worked better. The Volvo has the nicest seats I have ever sat in, but the dealers annoyed ...
by jackholloway
Thu Apr 25, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Universal Studio, LA - Ollivanders Wand Shop worth it
Replies: 23
Views: 3056

Re: Universal Studio, LA - Ollivanders Wand Shop worth it

I liked Ollivanders. Our child was selected as the “powerful witch” at the center of the show, and the whole family bought wands. We have used them with various cosplay costumes at cons for many years.
by jackholloway
Tue Apr 23, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Getting Spouse On Board With Saving
Replies: 41
Views: 4287

Re: Getting Spouse On Board With Saving

Rather than try to increase saving right away, consider suggesting that you each save half of all future raises. For us, putting those raises towards our mortgage was the common ground, and then we just kept saving after it was paid off.
by jackholloway
Fri Apr 05, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: Frugality with Shared Devices and Fraud Detection
Replies: 10
Views: 1053

Re: Frugality with Shared Devices and Fraud Detection

I use chrome with a different profile for each username.
by jackholloway
Wed Mar 13, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 7361

Re: Should I give more money to a family member?

I think you need to give a one time payment to the sister and explain you made a mistake and together you should go to a counselor to work on a plan forward for the relationship. She needs to rely on herself to make a prosperous life. It is certainly super OK to help family members in need (alcohol...
by jackholloway
Sun Mar 03, 2019 8:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 66532

Re: Discontinuing VanguardAdvantage Accounts

What I find most galling is Vanguard's claim that “we have determined that VanguardAdvantage is no longer meeting the range of needs articulated by our clients.” That must be why, several years ago, Vanguard quit offering free Turbotax to it's flagship clients. It no longer met the range of needs a...
by jackholloway
Mon Feb 04, 2019 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Those who do not fly coach, where do you buy your tickets?
Replies: 30
Views: 5344

Re: Those who do not fly coach, where do you buy your tickets?

https://www.flyertalk.com/forum/premium-fare-deals-740/ Learn the acronyms (airport codes, airline codes, etc) - it's an active forum and deals are posted as they are found! Meanwhile, on Bogleheads, if a new poster comes along and says he owns AGG, someone will complain within three posts about th...
by jackholloway
Sat Jan 12, 2019 3:27 pm
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 14194

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

One cannot logically subscribe to the theory of indexing domestically but not globally without being self-contradictory. My thoughts exactly. I am an engineer and I apply engineering logic also in my financial decisions. :D I do not think this is contradictory. My assets, my spending, my legal prot...
by jackholloway
Mon Jan 07, 2019 1:19 am
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 69
Views: 4197

Re: Vanguard Statements - Print or Electronic

I pull down electronic statements every month and the year end. I print out the year end and save with my tax returns. Someday I will probably stop printing paper, bu5 it does not take ,ugh space, and gives peace of mind.

I store many docs in google drive.
by jackholloway
Mon Dec 31, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: CD’s in Asset Allocation - Bonds or Cash
Replies: 15
Views: 1128

Re: CD’s in Asset Allocation - Bonds or Cash

I do not distinguish between bonds and cash - I want a year’s spending in something FDIC insured, and as for the fixed income/bond allocation, I have a mix of treasuries, cds, corporates, TBM, and munis, with a duration ranging from a year to 7-ish. Someday, I may consolidate back down to a simpler ...
by jackholloway
Thu Dec 13, 2018 12:51 am
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 52
Views: 3879

Re: Hyatt Legal Plan for Will and T

We used the Hyatt plan to find our estate lawyer and to get our wills and trust done. They did a competent job, and I co it used to use thier practice after the company changed the legal plan benefit. Worth the $150 a year for the years we had the benefit. Edit: the will and trust were straightforwa...
by jackholloway
Thu Nov 01, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 90
Views: 10078

Re: I Bond fixed rate = 0.5%

I bought mine a few months ago, betting on flat fixed rates.
by jackholloway
Thu Nov 01, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 12544

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

It comes down to luck, resources and options. I had more good luck than bad luck, and really like my HCOL area. People are friendly, and resources abound. I would not move voluntarily. I would not, though, move to Silicon Valley as the go-go-go culture bugs me. I know people who say the same thing a...
by jackholloway
Sun Sep 09, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone using a bill paying service?
Replies: 38
Views: 4534

Re: Is anyone using a bill paying service?

To tie up the loose end, the relative eventually found a bookkeeper in need of a side gig. A couple hours a month, and everyone was happy. The bookkeeper billed separately for “opening your envelopes and trashing junk mail” and “tracking and paying”, in hopes that they would not just dump a shoebox ...
by jackholloway
Sun Sep 09, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 85
Views: 13033

Re: My daughter's inheritance.

I would suggest just putting it all in a treasury fund, or bank cds across five banks (for fdic insurance) until you get your plans together. You may miss a few percent in gains, but you will not lose anything, and you can then become comfortable with your plan. This can take six months or a year - ...
by jackholloway
Thu May 17, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 61999

Re: What's the ideal safe retirement net worth target?

When people say things like "25x investable assets" is that before tax or after tax? The tax on standard IRA withdrawls could be considerable in high tax states. Do I count them at 65% of their value for this purpose? You won't pay 35% effective tax on your IRA withdrawals. Unless you're withdrawin...
by jackholloway
Thu Apr 19, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 29129

Re: Is Los Angeles a good place long term to live financially?

I have lived in southern California for many years. All the things you seek can be had here, even at 100k/yr, if you are willing to drive a bit. To live well out here, you may need a serious shot of motivation to get into one of those top b-schools, and then to get one of those jobs that such a scho...
by jackholloway
Thu Apr 19, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 5033

Re: Good Dad, Bad Dad [pay for son's driving expenses (or not)]

I lived on campus. Present day room and board is about 17-18k a year at my alma matar. Few cars I would consider buying for a kid cost that much, even with insurance and gas included. It is reasonable to get him a car, and it is reasonable to have him live on campus. Before you decide that taking pu...
by jackholloway
Sun Apr 08, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 11785

Re: New faster DNS - 1.1.1.1 by CloudFlare

Both install and info just scroll down to instructions on how to set up DNS.

As far as the tired aphorism about being the product, I offer Cory Doctorow’s comment at https://mobile.twitter.com/doctorow/sta ... 3273364481
by jackholloway
Wed Apr 04, 2018 10:35 pm
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 19471

Re: What can we learn from secret millionaires.

Is that median or mean? I have been to and know many people in Ireland, and it does not seem to be a wealthier median than the US.
by jackholloway
Thu Mar 22, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6432

Re: Cookware Brands - Demeyere?

Love my all-clad
by jackholloway
Wed Mar 14, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone using a bill paying service?
Replies: 38
Views: 4534

Is anyone using a bill paying service?

An elderly relative in California would benefit greatly from someone taking their bills, sending out checks, and debit a bank account. Is anyone use one of those bill paying service is? I found an article about one called Silver Bills - it’s about 100 bucks a month and sounds like the right thing, b...
by jackholloway
Thu Mar 08, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Auto Issue Out now
Replies: 48
Views: 5926

Re: Consumer Reports Auto Issue Out now

But what about Jeeps and Land Rovers? Why do people buy these stinkers? Because a modern Fiat is more reliable than the average car just 10 years ago. I believe that, but still, wouldn't you want to buy something that is at least average in reliability by today's standards? Think about how much eve...
by jackholloway
Thu Mar 08, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 9087

Re: Is this too much for a kitchen?

I got bids ranging from 30 to 60 for a kitchen remodel. That number seems in the zone for the amount of work.
by jackholloway
Thu Mar 08, 2018 1:57 pm
Forum: Personal Investments
Topic: Unused 529 account?
Replies: 13
Views: 1629

Re: Unused 529 account?

Yes I had assumed that she could use it for graduate school since anyone could use it for graduate school--I went to grad school myself not long ago, and I could have used the money. So--not sure about the tax-free withdrawal "expiring" because of her scholarship. That doesn't make sense to me--I t...
by jackholloway
Sun Mar 04, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Flying Frontier- Heads Up
Replies: 21
Views: 2951

Re: Flying Frontier- Heads Up

I picked Southwest over Frontier for a trip in the next few months entirely because Southwest knows how to run an airline. Frontier used to be my favorite airline and now I think I might rather walk. As a friend put it, “I am flying the best seat on the worst airline in the sky”. Ryan Air is a speci...
by jackholloway
Sat Feb 24, 2018 7:40 pm
Forum: Personal Investments
Topic: Inherited stocks, what would you do?
Replies: 20
Views: 2381

Re: Inherited stocks, what would you do?

I cannot say what you should do, just what I did do. I transferred all the stocks in traditional brokerages to vanguard, then sold. All stocks at compushare, I retitled, then sold for cash that I used to buy mutual funds.
by jackholloway
Sun Jan 07, 2018 3:12 am
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 13950

Re: How much are you putting in a 529?

My strategy was fairly simple - my parents funded a rather expensive private school, so I wanted to have the same capability for my child if life treated me well. If it treated me well enough, I wanted to insure she could get through a state school without debt. I also wanted to make sure I had cove...
by jackholloway
Mon Jan 01, 2018 3:26 am
Forum: Personal Finance (Not Investing)
Topic: Did you get an Unexpected Year End Bonus because of the Tax Cut?
Replies: 44
Views: 4135

Re: Did you get an Unexpected Year End Bonus because of the Tax Cut?

Nope. None of my personal friends got unexpected bonuses, and many of expect notable tax and health insurance price increases in 2018. I know a few people at the companies that announced the bonuses also got surprise layoffs this last week. I keep getting reminded that no job is truly safe. For thos...
by jackholloway
Thu Dec 21, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 10109

Re: New job offer - background check

You have nothing to come clean about in 5his inquiry - you are confirming that your provisional offer has passed all the needed checks to be a nonprovisional offer, nothing more.
by jackholloway
Sat Dec 16, 2017 2:56 am
Forum: Personal Investments
Topic: What happened to Bridgeway???
Replies: 14
Views: 1973

Re: What happened to Bridgeway???

I am forgiving on this one. Typical dividends for large cap funds have been running a few percent, and even knowing it is distribution time, I could see not making the connection between the typical 2-3% for most I own funds and ZOMG 14%!
by jackholloway
Wed Dec 06, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Philanthropy and related issues
Replies: 50
Views: 4763

Re: Philanthropy and related issues

One actionable suggestion: see if there is a forcing function in your life. I have a few - I have a charitable giving match at work, I read the financials at my congregation and thus know the “cost per member” to support the place, and we have set a charitable giving target from each paycheck. Any o...
by jackholloway
Wed Dec 06, 2017 12:40 am
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 7405

Re: It's that time of year again... buying christmas gifts

I love both buying and giving gifts, but I would be uncomfortable getting an actual gift from an employee. I usually give my dozen-and-change member team small LEGO sets, or luxury chocolate bars, or some cookies at various times during the year, but they are clearly on the thinking-of-you levels, n...
by jackholloway
Mon Nov 27, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 56589

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I do not As someone upthread mentioned, many of us have this as a hobby. We would no more pay an ongoing fee than someone whose hobby is auto restoration would pay a body shop to buff out a dent. They might, though, pay a body shop to use an expensive tool, or to provide one-off expert advice on a n...
by jackholloway
Thu Nov 23, 2017 2:17 am
Forum: Personal Consumer Issues
Topic: How do I sell silver coins?
Replies: 13
Views: 2461

Re: How do I sell silver coins?

The coin community forum is also pretty useful. I have bought and sold a few coins through APMEX, but I do not consider myself a coin investor or collector. Once you know how to grade your coins or where the value in your collection lies, a local coin store can also work, but you should go in knowin...
by jackholloway
Tue Sep 26, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: 20% Down Payment Sub-optimal?
Replies: 55
Views: 6470

Re: 20% Down Payment Sub-optimal?

Based on the recent past, the markets grow faster than home prices, so why not leverage and borrow to invest in the market? Because the recent past is not all the psast. We might see flat or negative returns. Similarly, home prices go up over the long term, but whether they will over the next few ye...
by jackholloway
Fri Sep 22, 2017 6:36 pm
Forum: Personal Investments
Topic: 1099 employees how do you mentally handle taking time off?
Replies: 25
Views: 2085

Re: 1099 employees how do you mentally handle taking time off?

I had a spreadsheet where I tracked hours worked and money earned. It had a row for the hours above 40/week less three weeks vacation and a week of sick time, or roughly 1860 hrs/yr. That amount accumulated until I billed less than 38 hours, when I took some out. If the account had money, I could af...
by jackholloway
Sat Sep 02, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Speaks Softly but Carries a Big Stick
Replies: 29
Views: 4295

Re: Vanguard Speaks Softly but Carries a Big Stick

Agreed. This is disturbing development. Political activists at VG pushing their Global warming and no doubt bathroom policies on public companies. This isn't passive investing anymore, but political campaigning. I am a fan of this direction by vanguard. At some point, if you do not do basic societa...
by jackholloway
Mon Aug 07, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: CC strategy for Europe flight next summer
Replies: 19
Views: 2062

Re: CC strategy for Europe flight next summer

Flyertalk excels at this kind of card gaming. There is a learning curve, which I have barely started.
by jackholloway
Sat Jul 15, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving California, will I be taxed?
Replies: 11
Views: 1886

Re: Leaving California, will I be taxed?

The compensation angle can be interesting. If you were given restricted stock units that vest over some year - 3-5 is common - while you worked here, CA figures it is owed a piece of those.
by jackholloway
Fri Jun 16, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Android Auto/Apple Carplay as their NAVI?
Replies: 5
Views: 1220

Re: Is anyone using Android Auto/Apple Carplay as their NAVI?

I love CarPlay, and selected my present car partially based on the info system.
by jackholloway
Tue Jun 13, 2017 1:19 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 6261

Re: which IPAD?

I bought a 10.5 iPad Pro 512G with cell to replace a 12.1" that is too big. I have used pretty much all of them, including an original, a mini, and an air, and the iPad Air was a pretty good size for me.
by jackholloway
Sun Jun 04, 2017 2:34 am
Forum: Personal Consumer Issues
Topic: New iPad use
Replies: 34
Views: 4503

Re: New iPad use

My fave 4x iPad game is Starbase Orion - pretty classic MOO-clone. I shudder to imagine how many hours it has cost me.