Search found 69 matches

by aarondearu
Sun Feb 16, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 40 and when do I retire? first world problem?
Replies: 52
Views: 9266

Re: I'm 40 and when do I retire? first world problem?

Try Firecalc (https://www.firecalc.com) * Retiring 2020 * non-COLA pension of $65,000/year starting in 2020 * withdrawing $60,000/year for 50 years (until age 90) adjusted for CPI * $700k invested in 60/40 total market portfolio With the above it says there's a 92% chance of not running out of money...
by aarondearu
Sun Feb 16, 2020 1:05 pm
Forum: Personal Investments
Topic: Grappling with greediness
Replies: 39
Views: 7936

Re: Grappling with greediness

Fear Of Missing Out (FOMO)
by aarondearu
Wed Jan 08, 2020 8:39 pm
Forum: Personal Consumer Issues
Topic: How to organize your photos
Replies: 39
Views: 3147

Re: How to organize your photos

Folders for the year with subfolders for the occasion.

All photos are stored online in Onedrive. Office365 accounts come with 1TB of storage.
by aarondearu
Sun Dec 08, 2019 3:06 pm
Forum: Personal Investments
Topic: All munis for fixed income allocation in early retirement for roth conversion?
Replies: 42
Views: 1414

Re: All munis for fixed income allocation in early retirement for roth conversion?

Withdraws from tax advantages accounts are taxed as ordinary income. Usually placing the lowest growing asset here results in the highest return. Intermediate Tax-Exempt Bond - 1.62% x 2M = $32400 Total Bond - 2.24% x 2M = $44800 - 24% tax = $34048 A total bond fund is more diversified than a muni f...
by aarondearu
Sat Nov 09, 2019 4:19 am
Forum: Personal Investments
Topic: Is Deferred Compensation Program Risky?
Replies: 19
Views: 2264

Re: Is Deferred Compensation Program Risky?

It’s a calculated risk that you have to decide if it’s worth it or not. If the company is stable and retirement is 5 years or less I would not have any concern about participating in a deferred comp program. There are many posts on this forum about NQDC plans and people have different opinions. It w...
by aarondearu
Tue Nov 05, 2019 1:12 am
Forum: Personal Consumer Issues
Topic: Working from home vs in the office
Replies: 22
Views: 1984

Re: Working from home vs in the office

You could work from home part of the week.
by aarondearu
Sat Nov 02, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 27396

Re: HRBLOCK Pre-Order 2019 Software Offer

Here it begins. Bogleheads with multimillion profiles looking for tax software deals. I particularly like the complaints about one version of tax software costing $10 more than another. It's tax software! You use for something kind of important! Buy the best you can and it's still cheap. I am using...
by aarondearu
Sat Oct 05, 2019 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Tax guy my mom hired has me paying suspiciously high tax on investments
Replies: 46
Views: 6812

Re: Tax guy my mom hired has me paying suspiciously high tax on investments

Why don't you ask the accountant. There is nothing odd about paying a few thousand dollars tax on a $300k trust.
by aarondearu
Wed Jul 31, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 158
Views: 11760

Re: Ethics of "bonus payback" when quitting a job

Hi OP, if the company wants the bonus back and it’s not repaid here is the likely outcome... Company will probably not garnish the last paycheck because payroll won’t know in time. Few months later a collection agency will start calling and sending letters. Your father can tell them to stop contacti...
by aarondearu
Sun Mar 31, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to use Apple Pay Cash
Replies: 19
Views: 1996

Re: Best way to use Apple Pay Cash

Transferring Apple Cash to a bank account is free.

https://support.apple.com/en-us/HT207882
by aarondearu
Mon Jan 22, 2018 5:24 pm
Forum: Personal Investments
Topic: “Better Buy” Total US or International ?
Replies: 36
Views: 5319

Re: “Better Buy” Total US or International ?

[removed - better information provided]
by aarondearu
Wed Sep 13, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 11342

Re: Best Lower Cost USA Cities to Live

...This is exactly why I can't move to the deep south. TX is about as close as I can get. Southerns want you to believe they are hospitable to everyone, unless you go to the church on the other side of town. No government intrusion in your life - except I can't buy liquor on Sundays for some reason...
by aarondearu
Wed Jan 26, 2011 2:40 pm
Forum: Personal Consumer Issues
Topic: 4g versus 3g
Replies: 14
Views: 2521

Take a look at Sprint Anything Mobile plan.

Any Mobile, Anytime: Unlimited domestic calls from the Sprint network to and from ANY U.S. mobile phone regardless of carrier. Any network, any time.
by aarondearu
Mon Oct 19, 2009 3:15 am
Forum: Personal Consumer Issues
Topic: Biographies of music legends that died before their time...
Replies: 36
Views: 4926

Here are a few. Google the "27 Club" for more.

Bob Marley (cancer)
Elliott Smith (unknown)
Jeff Buckley (drowned in the Mississippi)
Cliff Burton (crushed under a bus)
Ian Curtis (suicide)
Kurt Cobain (suicide)
Sid Vicious (suicide)
all the Ramones (overdose and cancer)
by aarondearu
Mon Aug 17, 2009 2:07 am
Forum: Personal Consumer Issues
Topic: best net book?
Replies: 20
Views: 4043

[removed]
by aarondearu
Wed Aug 05, 2009 3:02 pm
Forum: Personal Consumer Issues
Topic: Things to do in Fort Worth (dallas) area?
Replies: 9
Views: 2071

Look at trip advisor for things to do. Here are a few suggestions. Definitely do not drive three hours to Houston or Austin or five to SA... Stockyards http://www.fortworthstockyards.org/ Modern Art Museum http://www.themodern.org/ Bureau of Engraving and Printing http://moneyfactory.gov/locations/s...
by aarondearu
Fri Jun 19, 2009 12:35 pm
Forum: Personal Consumer Issues
Topic: Favorite iPhone apps?
Replies: 17
Views: 3895

[removed]
by aarondearu
Sat Apr 18, 2009 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Euros
Replies: 4
Views: 1302

Take a look at the foreign currency accounts at Everbank. Might be what you want.

http://www.everbank.com/001CurrencyExpectations.aspx
by aarondearu
Mon Mar 30, 2009 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do you turn your PC off overnight?
Replies: 63
Views: 10781

Computers, data centers and communications networks are big offenders when it comes to climate-change-causing CO2 emissions, producing 2 percent of the world's overall emissions, the same as the world's air traffic produces, according to Gartner. http://www.sciam.com/blog/60-second-science/post.cfm...
by aarondearu
Mon Mar 09, 2009 10:18 pm
Forum: Non-US Investing
Topic: Buy or Rent? (in Japan)
Replies: 23
Views: 3706

[removed]
by aarondearu
Sun Mar 08, 2009 4:54 pm
Forum: Investing - Theory, News & General
Topic: Investment performance after 55% crash - GD1/Japan
Replies: 10
Views: 2478

Verde wrote:Does anyone know of a free source for historical Japanese earnings or P/E data.
Japanese Financial Markets By Junichi Ujiie
http://books.google.com/books?id=bUUsic ... frontcover
by aarondearu
Wed Mar 04, 2009 6:17 pm
Forum: Non-US Investing
Topic: House or Condo? (in Japan but general comments welcomed)
Replies: 21
Views: 4078

[removed]
by aarondearu
Wed Mar 04, 2009 3:11 am
Forum: Investing - Theory, News & General
Topic: What scares me most about the 50% downturn in my equities
Replies: 15
Views: 3567

[removed]
by aarondearu
Wed Mar 04, 2009 2:56 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Issues for Expats in Japan
Replies: 13
Views: 2710

Searching for kyouiku hoken turns up discussions on this kind of insurance. Here are some thoughts I had while reading about it. What happens if the insurer goes out of business? Does it cover expenses outside of Japan? What if your kids don't graduate before the policy runs out? How much does it co...
by aarondearu
Wed Mar 04, 2009 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Issues for Expats in Japan
Replies: 13
Views: 2710

Re: Life Insurance Issues for Expats in Japan

2. Have any expats in Japan (or elsewhere) heard of life insurance for your child's education? So basically if I die it pays out a set amount, if I don't it returns my money (you pay about $500 a month) plus $4000 in interest. My wife is dead set on this type and I think it is either a rip off or y...
by aarondearu
Wed Mar 04, 2009 2:09 am
Forum: Personal Investments
Topic: CDs or Money Markets
Replies: 36
Views: 7470

teacher wrote:
9.78 AT&T STABLE VALUE
Stable value funds can be good replacements for money markets and cds. Many 403b plans offer them.
by aarondearu
Sat Feb 28, 2009 1:38 am
Forum: Personal Investments
Topic: CDs or Money Markets
Replies: 36
Views: 7470

Re: CDs or Money Markets

teacher wrote:But I am curious; can anyone tell me what the difference is between CDs and money market funds? Is the difference rates of return?
CDs are FDIC insured and usually have penalties for withdrawing your money early. Money markets are not insured and allow you to take distributions at any time.
by aarondearu
Wed Feb 25, 2009 3:32 am
Forum: Personal Investments
Topic: Is VG Short Tax-Exempt's price too high?
Replies: 4
Views: 1531

What's your tax bracket? CDs make more since right now for most people.
by aarondearu
Mon Feb 23, 2009 12:04 am
Forum: Personal Investments
Topic: Question Concerning Safety of Ltd-Term Tax-Exempt Inv Fund
Replies: 3
Views: 1480

If it works for you, in the 25% tax bracket you would make more money in CDs without any of the risk.
by aarondearu
Sun Feb 22, 2009 11:43 pm
Forum: Personal Investments
Topic: Capital Loss Carry Forward
Replies: 5
Views: 1532

You are correct. See IRS Pub 550.
by aarondearu
Sun Feb 22, 2009 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Need Bond Advice
Replies: 6
Views: 1583

Growth of 10k for several Vanguard Funds vs a 4.5% CD. 10 years 5 years Short-term Bond $16042 $12103 Short-term Inv $14808 $11210 Short-term Treasury $16145 $12241 Total bond $16616 $12307 4.5% CD $15683 $12523 Until last year all of these funds had the same return. Going forward I would expect inv...
by aarondearu
Fri Jan 16, 2009 12:11 am
Forum: Personal Finance (Not Investing)
Topic: why is Vanguard's website so retarded about tax forms ?
Replies: 20
Views: 6570

You need to have Adobe Acrobat installed. Vanguard's site does not working with other pdf viewers including Apple's Preview.
by aarondearu
Tue Jan 13, 2009 2:47 am
Forum: Personal Finance (Not Investing)
Topic: IRS filing Options
Replies: 2
Views: 1383

The online edition of TaxAct offers free federal e-filing for anyone. http://www.taxact.com/ Included IRS Tax Forms: 1040 Individual Income Tax Return–Long Form 1040A Individual Income Tax Return–Short Form 1040EZ Individual Income Tax Return–Short Form 1040ES Estimated Tax Payment Vouchers 1040V Fo...
by aarondearu
Mon Jan 12, 2009 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tipping at Buffets at Restaurants
Replies: 81
Views: 12906

[removed]
by aarondearu
Sat Nov 22, 2008 4:23 am
Forum: Personal Consumer Issues
Topic: How do you buy your overseas flight tickets?
Replies: 13
Views: 2980

http://www.sidestep.com to get an overview of what prices are like
http://www.studentuniverse.com to check if there are cheaper student fairs
http://www.his-usa.com/en/top/Top.aspx for Japan specific fairs
by aarondearu
Fri Oct 31, 2008 2:53 am
Forum: Investing - Theory, News & General
Topic: What happened in Japan?
Replies: 18
Views: 3652

Even with the bubble the Nikkei 225 returned 12.67% annually from 1950 to 2000. That's a pretty good return. Of course if you bought at the peak you are still waiting for your money back. Just like if you bought NASDAQ at 5000.
by aarondearu
Mon Oct 13, 2008 4:43 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 66311

Good news. Just received this email from Vanguard about five minutes ago. Dear Mr. ****, Thank you for your e-mail to Vanguard. We appreciate the time you have taken to contact us---and for this opportunity to reply. Vanguard is pleased to announce that by the end of 2008 we will be introducing a ne...
by aarondearu
Sun Oct 12, 2008 2:06 pm
Forum: Investing - Theory, News & General
Topic: What if we really are like Japan?
Replies: 54
Views: 10231

Re: What if we really are like Japan?

Finally, it seems like despite the dismal look of their market, Japan seems to be one of the countries showing economic strength through this mess. How can that be? They are feeling it... An insurer filed bankruptcy last week. http://www.asahi.com/english/Herald-asahi/TKY200810110048.html The Nikke...
by aarondearu
Sun Oct 12, 2008 11:41 am
Forum: Investing - Theory, News & General
Topic: What if we really are like Japan?
Replies: 54
Views: 10231

Guaranteed lifetime employment is changing. No young person today seriously thinks they will stay at the same job their entire lives. Nor has that always been the case. The system came as a result of the Miike coal mine strike in the early 60's. The biggest expense in retirement is health care (whic...
by aarondearu
Thu Oct 09, 2008 9:55 pm
Forum: Personal Investments
Topic: Inheritance Advice in light of Market Decline.
Replies: 9
Views: 1947

[removed]
by aarondearu
Thu Oct 09, 2008 7:14 pm
Forum: Personal Investments
Topic: Inheritance Advice in light of Market Decline.
Replies: 9
Views: 1947

It can be quite a job (sometimes impossible) to persuade other folks about when or even how to sell estate securities that haven't yet been distributed. Sometimes it doesn't work even when all agree to sell, especially if one or two beneficiaries are market timers who insist that sales have to happ...
by aarondearu
Thu Sep 25, 2008 11:20 pm
Forum: Investing - Theory, News & General
Topic: WAMU and Short Term Investment Grade?
Replies: 8
Views: 2274

The listing of what the fund holds is from 6/30/08. Possibly Vanguard already sold these bonds. Let us know what you find out.
by aarondearu
Thu Sep 25, 2008 10:47 pm
Forum: Personal Consumer Issues
Topic: Poll: Best movie about finance!
Replies: 69
Views: 15696

[removed]
by aarondearu
Thu Sep 25, 2008 10:22 pm
Forum: Investing - Theory, News & General
Topic: WAMU and Short Term Investment Grade?
Replies: 8
Views: 2274

BBB is not junk, its investment grade. VFSTX has about 17% of its holdings in Baa (which is the same as BBB but is Moodys vs S&Ps rating). If the bonds were just downgraded to BB (which is junk), even if Vanguard wanted to sell, who would want to buy them with all the news about Wamu recently. In re...
by aarondearu
Thu Sep 25, 2008 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Website
Replies: 3
Views: 1383

I answered your question already in the other thread but I'll do it again. The distribution does not show up online until the PAYABLE date. All the dates are listed on the distributions page on the Vanguard website. The payable date for Wellington is 9/25, and for Equity-Income 9/26. record date The...
by aarondearu
Thu Sep 25, 2008 12:33 am
Forum: Personal Consumer Issues
Topic: Calling all Dress Shirt Freaks
Replies: 107
Views: 40918

by aarondearu
Wed Sep 24, 2008 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: LLC vs. Corporation
Replies: 18
Views: 4440

[removed]
by aarondearu
Tue Sep 23, 2008 10:52 pm
Forum: Personal Investments
Topic: Vanguard Reit
Replies: 5
Views: 1987

That's because the payable date for both funds is 9/24. Will show up tomorrow.