Search found 462 matches

by TallBoy29er
Tue Sep 25, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 12
Views: 1192

Re: Looking for advice on whether to participate in Deferred Compensation Plan

calimero wrote:
Tue Sep 25, 2018 8:11 am
The company offers a certain match on DCP. I guess I wouldneed to optimize DCP contribution so that the remaining 401k income woudl stay high enough to allow $18.5K 401K contribution?
I don't quite understand your statement/question. Could you clarify a little more?
by TallBoy29er
Tue Sep 25, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 12
Views: 1192

Re: Looking for advice on whether to participate in Deferred Compensation Plan

One question I have not seen brought up is the question of matching, as you framed this as a supplemental 401k. If you are a HCE, I'm guessing you may hit the federal 401k contribution limits ($18.5k) prior to end of year if you set your contributions to receive the max employer match each month. If...
by TallBoy29er
Tue Sep 25, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 8
Views: 993

Re: Car predicament

He's thinking about paying the $5,000 left on his loan or filing bankruptcy. First, this sucks, no doubt. I think your advice should be to pay off the debt, and move on. Sounds like you've advised on the downside of bankruptcy. That seems like a very extreme action with significant consequences if ...
by TallBoy29er
Mon Sep 24, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 11651

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Your spouse is a Rock Star. Having that support behind you, that joint focus that you can agree on what is right for all of you, that it's not just a money decision, is amazing. Perhaps your wife should join BH's and give some advice to others around here. :) I have been following your thread closel...
by TallBoy29er
Mon Sep 24, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Changing careers (changing gears) - Can I?
Replies: 10
Views: 975

Re: Changing careers (changing gears) - Can I?

My first thought was Congratulations, you've done awesome. I'm a debt averse guy. I'm also the guy that gets not loving what you're doing. My thought was to keep at it in your current job until you knock out your mortgage. Then go nuts. For me paying off the mortgage took a big weight off my shoulde...
by TallBoy29er
Mon Sep 24, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1813

Re: When is it OK to not go through car insurance after you've been hit?

Real answer: it depends on how much you like your girlfriend. :D

I've done the cash thing, no report, a couple of times for minor events, even with people I didn't know. Worst case was that I'd be bitten, but I wasn't. It's not a big deal. Make the decision that gives you comfort, and move on.
by TallBoy29er
Mon Sep 24, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 53
Views: 3092

Re: Vacation without saving adequately?

Add one more to the GO pile.

For the first time ever, you made me think back to inspect if I've ever regretted a vacation? Answer, Nope.

Funny, what came to mind are a couple of trips I was asked to go on that I did not b/c I was indeed a "saver." I regret those "no" decisions.
by TallBoy29er
Mon Sep 24, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to leave the 401(k) with previous employer open
Replies: 18
Views: 1555

Re: Any reason to leave the 401(k) with previous employer open

Definitely check fees. In my last employer's crappy plan, each withdrawal was hit with a $40 fee. In some states, a 401K is better protected from lawsuits than an IRA. Right thought, but a little off. 401k's are protected under federal law, specifically ERISA. It does not matter what state you live...
by TallBoy29er
Mon Sep 24, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to leave the 401(k) with previous employer open
Replies: 18
Views: 1555

Re: Any reason to leave the 401(k) with previous employer open

Definitely check fees. In my last employer's crappy plan, each withdrawal was hit with a $40 fee. In some states, a 401K is better protected from lawsuits than an IRA. Right thought, but a little off. 401k's are protected under federal law, specifically ERISA. It does not matter what state you live...
by TallBoy29er
Wed Sep 19, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: A really general question!
Replies: 9
Views: 764

Re: A really general question!

There are many books, but in response to your specific question , the answer is the BH Guide to Investing. Hands down, imo. Very readable and digestible. My teenage son read it and retained most of it. Jack's book is wonderful but it's (intentionally) too limited in scope for you, imo. You likely a...
by TallBoy29er
Wed Sep 19, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: A really general question!
Replies: 9
Views: 764

Re: A really general question!

My all time favorite, the one I give to people if they act interested, is "The Little Book of Common Sense Investing" by Bogle ( https://www.amazon.com/Little-Book-Common-Sense-Investing/dp/0470102101 ). You can easily cruise through over a couple of days. It is short, simple to understand, and arti...
by TallBoy29er
Wed Sep 12, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4168

Re: Subaru Forester - ready to buy

2019's are hitting many lots this week. 4 lots in Atlanta got them today. I would aim for a nice, new, 2018. I expect, based on your admirable frugality, that you'll be keeping the car for many years. As a poster above stated, getting a 1 year old Forester won't save you that much. And the piece of ...
by TallBoy29er
Sun Sep 09, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8152

Re: Can Sneakers go with Business Casual?

I work in a conservative environment, and have seen officers wear nice sneakers with their business attire. There is no right/wrong answer that we can give you. Check out what those around you, and above you, are wearing. That should provide some solid guidance.
by TallBoy29er
Sat Sep 08, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Re: Subaru: Crosstrek or Outback?

^^ Less about how they drive and first impressions w/ fit, and more about getting others' experiences and learnings. Much obliged.
by TallBoy29er
Sat Sep 08, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Re: Subaru: Crosstrek or Outback?

^^ Thank you cyclist.
by TallBoy29er
Sat Sep 08, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Re: Subaru: Crosstrek or Outback?

Yup, test driving tomorrow. The conversation has been around size. If others have had the same conversation and made a decision and have feedback, that could be useful, I suspect. Forester: Amazing visibility. Slots between Crosstrek and Outback in size. Higher ride height with huge windows lets yo...
by TallBoy29er
Sat Sep 08, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Re: Subaru: Crosstrek or Outback?

If by "camping" you mean tent, sleeping bags, etc., with a family of four, I can't imagine making it work with a Crosstrek. Especially once camping also includes bikes or kayak, etc. We have an Outback and love it. Would never consider Crosstrek - too small. You are articulating my main concern. Ev...
by TallBoy29er
Sat Sep 08, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Re: Subaru: Crosstrek or Outback?

Crosstrek: Really slow and (strangely) loud. A size I could see myself driving in the city without problems. More room than I thought there would be, but it's really just an Impreza on stilts. Since someone asked why not Forester, I'll ask why not Impreza? Spacewise inside, they're not different. Y...
by TallBoy29er
Sat Sep 08, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Re: Subaru: Crosstrek or Outback?

How long will you keep this vehicle? Before you know it your kids will be teenagers and will they sit comfortably in the back seat. (Given your username) You should definitely sit in the backseat when you check out the vehicle.. Do these vehicles come in AWD and FWD? Just wondering since you probab...
by TallBoy29er
Sat Sep 08, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Re: Subaru: Crosstrek or Outback?

researcher wrote:
Fri Sep 07, 2018 9:46 pm
mortfree wrote:
Fri Sep 07, 2018 8:47 pm
researcher wrote:
Fri Sep 07, 2018 8:35 pm
How long until the first minivan recommendation? :)
His mind is already made up.
That's never stopped the minivan advocates in every other post about cars.
If I bought a minivan, I'm not sure what DW would do to me, but it would not be good.
by TallBoy29er
Fri Sep 07, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Re: Subaru: Crosstrek or Outback?

Yup, test driving tomorrow. The conversation has been around size. If others have had the same conversation and made a decision and have feedback, that could be useful, I suspect.
by TallBoy29er
Fri Sep 07, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for info on Stifel
Replies: 5
Views: 757

Re: Looking for info on Stifel

Maybe ask her a few questions she can research? Eg the fees she sees itemized on the statement, or questions she can ask her rep (AUM, loads, etc.). Seems less invasive than asking to see a quarterly statement of assets. Could very well be a very small regional boutique.
by TallBoy29er
Fri Sep 07, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Subaru: Crosstrek or Outback?

Family of four, kids ages 4 and 7. Spouse daily driver, live in a large city (Atlanta), and spouse wants maneuverability and easy to park. Daily it will be driving around all four of us due to how we carpool and drop the kids off at school and daycare. It will also be a weekend getaway vehicle for e...
by TallBoy29er
Thu Sep 06, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4663

Re: To Be or Not to Be...Married

This is an inappropriate comment and off topic. Just because someone considers marriage to be a legal concept rather than an emotional one doesn't mean they aren't ready for commitment or a family. Not off topic at all. The legal aspect of marriage, and the benefits it confers, can have implication...
by TallBoy29er
Thu Sep 06, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4663

Re: To Be or Not to Be...Married

I don't think you are ready for marriage or children. It's not all about money. There are no guarantees in life. You or your future spouse can get sick .. require care. You can have a child that has special needs. Put those options into your calculations. Life isn't all about money. This is an inap...
by TallBoy29er
Thu Sep 06, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4663

Re: To Be or Not to Be...Married

I don't think you are ready for marriage or children. It's not all about money. There are no guarantees in life. You or your future spouse can get sick .. require care. You can have a child that has special needs. Put those options into your calculations. Life isn't all about money. This is an inap...
by TallBoy29er
Thu Sep 06, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4663

Re: To Be or Not to Be...Married

Having not read all of the responses to your question, I'm not sure if you've realized some of the left column benefits to marriage that other groups (eg lgbt) have fought for with social unions? If your significant other is dying, who gets to sit next to them, and make medical decisions for them? ...
by TallBoy29er
Thu Sep 06, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4663

Re: To Be or Not to Be...Married

Having not read all of the responses to your question, I'm not sure if you've realized some of the left column benefits to marriage that other groups (eg lgbt) have fought for with social unions? If your significant other is dying, who gets to sit next to them, and make medical decisions for them? W...
by TallBoy29er
Thu Sep 06, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4663

Re: To Be or Not to Be...Married

I strongly caution you against getting married. Why enter a legal contract with the government? Just live together in happy bliss. Have children. By avoiding marriage, you can quickly split up if and when you grow tired of each other. Bwahahahahahahaha,. "Have children......quickly split up if you ...
by TallBoy29er
Wed Sep 05, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5822

Re: Elderly (innocent) relative received this horrible email

I didn't read the prior responses, but your original post is a very well known scam a this point. It combines something that is readily available to a malfeasant in many places (passwords that have been owned), and then associates that valid knowledge with a set of facts that is contrived and not ac...
by TallBoy29er
Tue Aug 28, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8336

Re: Mega Downsize....

just me, but a 10 cubic yard dumpster would do the trick.

there is value in just being rid of the stuff.
by TallBoy29er
Mon Aug 27, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3146

Re: How often do you change your HVAC filters?

you're supposed to change 'em? oh bloody he**.......
by TallBoy29er
Mon Aug 20, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 68
Views: 7654

Re: Are millennials botching their asset allocations?

I wonder if I am botching my asset allocation. I'll tell you how I did when I hit the finish line. I expect millennials will do the same. So stay tuned...
by TallBoy29er
Thu Aug 16, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 39
Views: 2533

Re: Non-owner contributing to home renovations: what's fair?

agree with all the above. if you start commingling finances, things could get complicated. either there is a documented arrangement involved, a documented gift involved, or you pay for it yourself. keep things simple.

https://www.youtube.com/watch?v=TuTDc9d_9yI
by TallBoy29er
Wed Aug 15, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 2108

Re: Sidewalk repair - price in line?

What if you demoed the existing walkway?
by TallBoy29er
Wed Aug 15, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 52
Views: 3051

Re: Where to buy white, athletic fit dress shirt?

TJ Maxx. Ross. K&G men's wearhouse. Try multiple times, you'll eventually find what you need.
by TallBoy29er
Mon Aug 13, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Account Unavailable - Anyone Else?
Replies: 4
Views: 809

Vanguard Account Unavailable - Anyone Else?

Anyone else getting a "Your account information is temporarily unavailable" message when they try to login to Vanguard? No other info, except to call back during operating hours. :annoyed

I opened a new account in the last month with hesitation. This isn't helping their image.
by TallBoy29er
Thu Aug 09, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2374

Re: First time taking kids to airport..

ddurrett896 wrote:
Thu Aug 09, 2018 6:38 pm
z91 wrote:
Thu Aug 09, 2018 4:01 pm
Long-term parking is around $80. A shuttle is about $55 (no waiting, no stops).
Park at the airport.
Agreed. Probably less an issue on the way out, but you'll likely not want to mess with a van ride making other stops on the way home. Kids and simplicity go hand in hand.
by TallBoy29er
Thu Aug 09, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2374

Re: First time taking kids to airport..

Also, don't forget headphones. Our kids are entranced by seat back entertainment systems. Pick up a couple of cheap over ear pairs for 10 to 15 bucks per. Totally worth it.
by TallBoy29er
Thu Aug 09, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2374

Re: First time taking kids to airport..

Best thing ever for kids. Car booster seats that double as the kids backpacks, and they have storage space for snacks and other goodies. Not sold in the US, but you can get them on the internet. https://www.trunki.co.uk/collections/boostapak
by TallBoy29er
Wed Aug 08, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7454

Re: Minivan Vs SUV Experience

My DW said that if I bought a minivan, she would fill it with bones and make it a house for our dog. Discussion closed.
by TallBoy29er
Wed Aug 08, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 111356

Re: Anyone regret paying off mortgage early?

Who knows what the future holds. Looking back, the money could have been more fruitful if invested in equities. But foresight is not a benefit I had at the time. The peace of mind it gave me was ineffable. So yeah, I could have done better. But I most definitely would not have slept better. peace out
by TallBoy29er
Wed Aug 08, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15475

Re: Will you pay for your kids' college/graduate education?

To answer the original question, we'll be paying for undergrad. We'll have to see where we stand if grad school enters the picture. My parents did this for me, and I am forever grateful. It is a non-negotiable for me to give my kids this opportunity (shall they want it).
by TallBoy29er
Wed Aug 08, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7269

Re: When is leaving your job that pays well a good idea?

greg24 wrote:
Wed Aug 08, 2018 3:35 pm
Texanbybirth wrote:
Wed Aug 08, 2018 3:19 pm
If this thread isn't an example of how good we have it in America, then I don't know what is.
+99999999999999999999 :sharebeer
Good as a whole, sure. But don't let the big picture obscure that there are variations, and what one person finds acceptable, another may not.
by TallBoy29er
Tue Aug 07, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7269

Re: When is leaving your job that pays well a good idea?

Early 30's and $2M+ net worth? Wow, kudos to you. Truly, nice work, I'm impressed by the position you've put yourselves in. "Soul Crushing." Your words. That is not sustainable. I'd start paving my way out. I understand all too well your sentiments. Money is not everything, and it sure won't be how ...
by TallBoy29er
Mon Aug 06, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 2621

Re: Getting the stink out of synthetic shirts

Seriously, wash them inside out. Use LESS detergent and add some white vinegar to the wash ( not in conjunction with the baking soda trick, though). Also NEVER use fabric softener. I just heard the white vinegar trick from another friend this morning. She said add a cup to the wash cycle, or soak t...
by TallBoy29er
Sat Aug 04, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Has Anyone Used Grove for CFP Guidance?
Replies: 6
Views: 624

Re: Has Anyone Used Grove for CFP Guidance?

Just went through their free eval. Nicely developed website. The guy who started it is from Google, and that is clear from how their tech worked (well).
by TallBoy29er
Sat Aug 04, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11933

Re: 3 Levels of Wealth

This was a fun thread to read. Until it wasn't.
by TallBoy29er
Fri Aug 03, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: $400 for a KitchenAid microwave door latch repair?!
Replies: 11
Views: 1119

Re: $400 for a KitchenAid microwave door latch repair?!

Forgot to add, that if I'm spending $400, I'm buying a new microwave. That may be market rate for all I know, but it would then seem it would be a better long term decision to buy a new unit.
by TallBoy29er
Fri Aug 03, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: $400 for a KitchenAid microwave door latch repair?!
Replies: 11
Views: 1119

Re: $400 for a KitchenAid microwave door latch repair?!

Try using a fork or knife to pry it open. We do w ours. We'll buy a new one eventually, but no need to rush. :D