Search found 10 matches

by baughman
Mon Jun 04, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 6164

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

I worked as a landing systems engineer (brakes, landing gear actuation, steering) at Boeing Commercial Airplanes for 4 years. I worked in Everett, WA. I was paid pretty well coming out of undergrad ($56k in 2006). Pay raises to just shy of $100k after a promotion to Level 2 engineer and a few normal...
by baughman
Mon Aug 07, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: How much do kids cost in a high COLA?
Replies: 60
Views: 6274

Re: How much do kids cost in a high COLA?

I have 5 kids, ages 3-10. Our biggest "cost" is the opportunity cost from my wife choosing to stay at home while having kids around. She taught elementary school, so the pre-tax opportunity cost is low ($50k) and the after-tax opportunity cost is lower ($25k). We live in a low COL area. Without kids...
by baughman
Fri Aug 04, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 8098

Re: Anyone else have trouble spending?

I make 250 and save almost 200 after including company 401k match. I cannot bring myself to pay $41/month on a gym membership to give me access to a climbing wall that will bring me great joy. I clicked on the link thinking I had met a kindred spirit. My strategy is to bike to work (7 miles one way)...
by baughman
Thu Jun 08, 2017 12:00 am
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 5423

Re: How often do you redeem your credit card cash rewards?

Fidelity 2% automatically pays out monthlyish. I treat all money received, be it income, bonuses, interest, gifts, the same. Straight to investments. I find it odd that such a trivial amount of money would alter ones spending habits, when it it's trivially small relative to a lifetime of earnings an...
by baughman
Mon Jun 05, 2017 11:59 pm
Forum: US Chapters
Topic: Interested in an Omaha NE Local Chapter
Replies: 4
Views: 3655

Re: Interested in an Omaha NE Local Chapter

I'm in Lincoln as well. I think it would be fun to meet up.
by baughman
Thu May 25, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: using Roth IRA for downpayment
Replies: 6
Views: 1376

Re: using Roth IRA for downpayment

One year ago I took out $80k of Roths to buy my first home (worth $400k) at the age of 35 (w/ 5 kids) with a net worth of $250k at the time (7 years of grad school dampened wealth accumulation, but I'm saving >$150k/year now by continuing to live like a poor college student). Your understanding is c...
by baughman
Tue May 23, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 306
Views: 59590

Re: TLH for absolute dummies [Tax Loss Harvesting]

I think it is pretty trivial to check for losses more often. Sometimes even large losses are fleeting. Here is one automatic way of setting when to check for losses: Set up an alert at Vanguard to automatically send a message to your smart phone when VTSAX or VTIAX have dropped at least 2.5% (or 2%...
by baughman
Tue May 23, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 306
Views: 59590

Re: TLH for absolute dummies [Tax Loss Harvesting]

I've spent a dozen of hours reading this thread, the wiki (https://www.bogleheads.org/wiki/Tax_loss_harvesting), and fairmark for insights on TLH. I currently have $0 in taxable accounts, but plan on dollar cost averaging several hundred thousand into taxable accounts in the near future. Thanks to A...
by baughman
Fri May 05, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Saturna HSA - New $10 surcharge for Fidelity mutual funds
Replies: 0
Views: 826

Saturna HSA - New $10 surcharge for Fidelity mutual funds

Long time lurker. First time poster. I appreciate the collective brainpower of this community. It's truly fascinating. I just wanted to give you a heads up that Saturna Capital now charges a $10 surcharge for Fidelity mutual funds in addition to Vanguard mutual funds. The Vanguard surcharge has been...