Search found 540 matches

by NextMil
Sat Oct 06, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a pretty big pay cut to become a diplomat?
Replies: 32
Views: 3961

Re: Should I take a pretty big pay cut to become a diplomat?

Don’t you also not pay any taxes when you are overseas? Between housing allowance, hardship pay, and no taxes, the 30k cut is probably really close to zero.
by NextMil
Fri Oct 05, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: getting paid as a contractor
Replies: 33
Views: 2382

Re: getting paid as a contractor

That's definitely a long time, but if they cannot pay you they cannot pay you, and even if you take them to small claims and they don't have the money to pay you. Its crushing, I know, but I think your best bet is to hang on and ping them at the end of October early November and ask for an update. ...
by NextMil
Fri Oct 05, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7069

Re: Best deals to buy iphones

Also appears that MVNOs are no frills. Tethering and prioritization are important to me and could be a deal breaker.
by NextMil
Fri Oct 05, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7069

Re: Best deals to buy iphones

I got two iPhone Xs for half the price of two full priced phones. I stayed with my same carrier and they allowed me to kill off an old line for the new one. I am not paying any more than exactly what was outlined. I don't understand why people think its not what is advertised. My plan hasn't change...
by NextMil
Fri Oct 05, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7069

Re: Best deals to buy iphones

I got two iPhone Xs for half the price of two full priced phones. I stayed with my same carrier and they allowed me to kill off an old line for the new one. I am not paying any more than exactly what was outlined. I don't understand why people think its not what is advertised. My plan hasn't changed...
by NextMil
Fri Oct 05, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: getting paid as a contractor
Replies: 33
Views: 2382

Re: getting paid as a contractor

That's definitely a long time, but if they cannot pay you they cannot pay you, and even if you take them to small claims and they don't have the money to pay you. Its crushing, I know, but I think your best bet is to hang on and ping them at the end of October early November and ask for an update. Y...
by NextMil
Fri Oct 05, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7069

Re: Best deals to buy iphones

I did bogo. What makes you think the math does not work out?
by NextMil
Fri Oct 05, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: getting paid as a contractor
Replies: 33
Views: 2382

Re: getting paid as a contractor

my contracts have a 30 day notice for termination for either side, and payment must be made within two weeks of receiving a monthly invoice otherwise the juice starts. That said, I keep some retained earnings on hand to cover me should it take longer than expected and it has never come to that. Unle...
by NextMil
Thu Oct 04, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 4257

Re: Black suit with dark brown shoes?

Based on your post, you absolutely need to bring two pairs of shoes. You shouldn't wear black shoes with khakis and a navy jacket, and you shouldn't wear brown shoes with a black suit. Black shoes are very formal and should be paired only with a mid-gray to charcoal to black suit, or a navy suit. M...
by NextMil
Thu Oct 04, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: $6.55 Northrup Grumman 401k class action settlement
Replies: 37
Views: 7683

Re: $6.55 Northrup Grumman 401k class action settlement

I don't fill out class action lawsuits because I don't like the business. Most of the time, the law firms just go hunting for an opportunity. In the case of the Northrup Grumman case, the same firm has gone after a bunch of other companies. They find a case, sign people up, and they take a huge chun...
by NextMil
Thu Oct 04, 2018 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Delete
Replies: 119
Views: 12264

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

For a reference point. I had something on a home inspection on purchasing a house. The seller used a subpar contractor to repair the problem who legally should have pointed out additional problems, and didn't. Cost me $7k to repair. I thought about suing. Went through the trouble of FOIA'ing local g...
by NextMil
Wed Oct 03, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Talk to me about backdoor Roth
Replies: 25
Views: 2354

Re: Talk to me about backdoor Roth

Most people report that their tIRA remains open, empty. Use it next year. Your CPA may or may not be familiar with the back door. Do you know what to tell him/her in order to get the Form 8606 filled out correctly? Thanks. Yeah, I think he had a good handle on it, and I read through the link you se...
by NextMil
Wed Oct 03, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Remember traveler's checks? How to cash a forgotten stash
Replies: 29
Views: 3633

Re: Remember traveler's checks? How to cash a forgotten stash

Nothing substantive to add since everyone else covered it, but I just wanted to say that I love a good found money story. So what are you going to do with your new found riches?
by NextMil
Wed Oct 03, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: My bank and absurd policy for "no fee"
Replies: 51
Views: 4456

Re: My bank and absurd policy for "no fee"

I am a big fan of Schwab mainly due to the perks and their customer service is outstanding. Reps refer to you as “Mr and sir” even when I was in my 20s. That said, I keep at least $2k extra in my account (not required) just in case my math is bad someday or I need some quick cash. I vote that you sh...
by NextMil
Wed Oct 03, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Talk to me about backdoor Roth
Replies: 25
Views: 2354

Re: Talk to me about backdoor Roth

So I am finally moving forward with this and did the required steps and reading and read the new language in the tax law, which essentially codifies the backdoor roth option for everyone. Other than making sure my CPA has the 8606 filled out correctly is there anything else to be concerned with? Doe...
by NextMil
Tue Oct 02, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 6013

Re: Root of Good's cost of raising a child: $3,300 per year

$200 for childcare per year is laughable. We spend that much on a day and a half with a local sitter. Tell me about the opportunity cost for staying at home. This is a joke. This is a joke and not acceptable to you, but we all live differently and have different priorities. What about the opportuni...
by NextMil
Tue Oct 02, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 6013

Re: Root of Good's cost of raising a child: $3,300 per year

$200 for childcare per year is laughable. We spend that much on a day and a half with a local sitter. Tell me about the opportunity cost for staying at home. This is a joke. This is a joke and not acceptable to you, but we all live differently and have different priorities. What about the opportuni...
by NextMil
Tue Oct 02, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 6013

Re: Root of Good's cost of raising a child: $3,300 per year

$200 for childcare per year is laughable. We spend that much on a day and a half with a local sitter. Tell me about the opportunity cost for staying at home. Starting at the beginning of the next year we’re planning on sending our kids to day care. It’ll be $139/week per child for 3 half days. That...
by NextMil
Mon Oct 01, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 14529

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

I enjoyed the first one, which now begs the question, will anything in this book be new to me or are the basic concepts the same, and it's just a reboot?
by NextMil
Mon Oct 01, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 10210

Re: Suze Orman - "I hate the FIRE movement."

Thanks for the post, thought provoking for sure. I agree with you, and think the goal should be FI and then people can make adjustments. Suze, has been doing side projects. I am not a fan of Suze, but I think she raises some good points. I also think the parochial view of FIRE as being black and whi...
by NextMil
Sat Sep 22, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 142
Views: 9889

Re: Physical Banking - Any benefits anymore?

Ages ago I worked in a branch. Today, I have been a schwab customer for over a decade and have nevever had an issue banking online solely. They overnight bank checks too.
by NextMil
Fri Sep 21, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3776

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

You are comparing an Mazda Miata to a 3 series??????!!!!!! Based on the posts you've made, you seem more concerned with the status/badge a car has than actual driving experience. According to you, a car is more fun if it is "fast off the line" and has a "nice interior." And you've scoffed at the id...
by NextMil
Fri Sep 21, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 5918

Re: WSJ print edition renwal time - any discounts?

Just switch to the Financial Times? Probably more expensive, but better quality? I would be interested to hear Bogleheads' thoughts on the two newspapers If you live in the US and need your news timely then FT is a no go. I also prefer WSJ over FT and who wants to carry a pink, ok salmon, paper? :w...
by NextMil
Fri Sep 21, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3776

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Actually, such a suggestion is extremely helpful, considering the OP... - only takes home $42K/yr - only drives ~2500mi/yr (6x fewer miles than the average driver) - himself suggested buying a Civic in 2 of the 3 options he lays out Besides, his BMW experience is driving an F30 generation 328i, whi...
by NextMil
Fri Sep 21, 2018 4:47 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3776

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Suggestions for a Honda Civic for a person who enjoys driving a BMW are unhelpful at best. Once you get behind the wheel of a German car with balls, it's hard to go back to driving less exciting cars. Speaking from personal experience. Actually, such a suggestion is extremely helpful, considering t...
by NextMil
Thu Sep 20, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1228

Re: Need iPhone case recommendations

I don’t like bulk. My XS arrives tomorrow. I got the dual pro from incipio and ordered a screen protector.
by NextMil
Thu Sep 20, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3776

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Suggestions for a Honda Civic for a person who enjoys driving a BMW are unhelpful at best. Once you get behind the wheel of a German car with balls, it's hard to go back to driving less exciting cars. Speaking from personal experience. Actually, such a suggestion is extremely helpful, considering t...
by NextMil
Thu Sep 20, 2018 6:26 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3948

Re: Bathroom and Basement Remodel Costs

Seems really high to me especially since you are sourcing and paying for a lot of stuff outside of the quotes, that means its even more expensive. I would shop around more as others have said. I also agree with the other poster who asked if you really need custom cabinets.
by NextMil
Wed Sep 19, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 55
Views: 4158

Re: Reverse Mortgages - Pros, Cons

Find a new advisor.
by NextMil
Wed Sep 19, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3776

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Keep it, but don’t buy any of the bs warranties or maintanence packages. Find a good Bmw Indy mechanic. Enjoy your ultimate driving machine. Also, car max is wholesale price. $27k for a 16 328i with such low mileage seems reasonable especially if you have packages on it. Wow! Everyone is so fixated...
by NextMil
Wed Sep 19, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3776

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Keep it, but don’t buy any of the bs warranties or maintanence packages. Find a good Bmw Indy mechanic.

Enjoy your ultimate driving machine.

Also, car max is wholesale price. $27k for a 16 328i with such low mileage seems reasonable especially if you have packages on it.
by NextMil
Tue Sep 18, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1469

Re: Attic Insulation Removal/Replacement Costs

You at going to love the difference in feel of the home. Did it last year and feels like a brand new house and heating costs are down.
by NextMil
Tue Sep 18, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Consumer Issue - Storage Unit Rental
Replies: 14
Views: 1314

Re: Consumer Issue - Storage Unit Rental

I am still kicking myself for storing stuff for a year and a half. Could have sold the stuff, saved the money in storage rent and bought brand new stuff and still had cash in my pocket.
by NextMil
Tue Sep 18, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Speaker for Apple 4K TV help
Replies: 4
Views: 440

Re: Speaker for Apple 4K TV help

Homepod? Might be more than you want to spend.
by NextMil
Tue Sep 18, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 5918

Re: WSJ print edition renwal time - any discounts?

Just switch to the Financial Times? Probably more expensive, but better quality? I would be interested to hear Bogleheads' thoughts on the two newspapers If you live in the US and need your news timely then FT is a no go. I also prefer WSJ over FT and who wants to carry a pink, ok salmon, paper? :w...
by NextMil
Sun Sep 16, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1698

Re: Should I sell my MacBook pro?

I have an iMac at work an iMac at home, and an iPad pro. I rarely use my MBP, basically on once or twice a year work trips and when I am sick on the couch. iPad pro seems to be handling most stuff. If you were me, would you sell it? No, it's only worth $54.83 and you'll have to fill out four pages ...
by NextMil
Sat Sep 15, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2909

Re: Paying down mortgage vs investing

I understand your point now. A reasonable recommendation would be that if you pay off or pay down your mortgage and you have limited liquidity in an emergency fund, then set up a HELOC so that you have access to the equity in your home in an emergency situation, Agreed. Sorry if I was unclear befor...
by NextMil
Sat Sep 15, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Is your iPad Pro enough on the road?
Replies: 11
Views: 1259

Is your iPad Pro enough on the road?

If you travel for work and have an iPad Pro has it replaced your laptop or do you still take a laptop?
by NextMil
Sat Sep 15, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1698

Re: Should I sell my MacBook pro?

Decided to create a new topic because I asked it wrong. Thanks for all your thoughts.
by NextMil
Sat Sep 15, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2909

Re: Paying down mortgage vs investing

In your earlier comment, you said you didn’t understand using a HELOC for an emergency fund. But now you are saying you can easily have HELOC and use it as a backup emergency fund. Which is it? (And remember that not everyone owns a home or has sufficient equity fur a HELOC.) Right my point that th...
by NextMil
Sat Sep 15, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2909

Re: Paying down mortgage vs investing

When I hear one advantage of not paying off early is due to liquidity, does that mean that the money would be invested in safer investments like ibonds, money market, or CDs? Doing so would be safer but would not beat 3.6% mortgage rate. And that is the fair comparison, but taxes can make it worthw...
by NextMil
Sat Sep 15, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2909

Re: Paying down mortgage vs investing

When I hear one advantage of not paying off early is due to liquidity, does that mean that the money would be invested in safer investments like ibonds, money market, or CDs? Doing so would be safer but would not beat 3.6% mortgage rate. And that is the fair comparison, but taxes can make it worthw...
by NextMil
Sat Sep 15, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7889

Re: Amazon Prime - Value?

I am literally on the phone right now, because I thought this thread was crazy, but prime items are now taking 5-7 days as well. This is baloney. Will let you know what I hear. ETA: Apparently they are blaming fulfillment center in hurricane area. Will be interesting to see if this resolves in a few...
by NextMil
Sat Sep 15, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1698

Re: Should I sell my MacBook pro?

I have the iPad Pro with keyboard, just wondering if anyone else is getting by without a laptop on the road. MBP is a 2015 I think.
by NextMil
Sat Sep 15, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1698

Should I sell my MacBook pro?

I have an iMac at work an iMac at home, and an iPad pro. I rarely use my MBP, basically on once or twice a year work trips and when I am sick on the couch. iPad pro seems to be handling most stuff.

If you were me, would you sell it?
by NextMil
Sat Sep 15, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 5918

Re: WSJ print edition renwal time - any discounts?

I enjoy sitting down and reading the Wall Street Journal print edition. I signed up for a subscription almost one year ago and now it's coming time for the 'automatic renewal' - which, from what I understand, will be somewhere in the ~ $400- 500/year range. Couple of questions: - has anyone negotia...
by NextMil
Sat Sep 15, 2018 5:56 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11944

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

I'm curious if folks that are FI, or close to it, and who have fought to climb a corporate ladder have found their desire waning. I'm in my mid 40s and this is probably prime promotion and climbing years. But given our financial situation, I don't see the point. I enjoy working and what I do, but I...
by NextMil
Sat Sep 15, 2018 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 52
Views: 13688

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Does anyone use Personal Capital, Mint, Tiller, You Need a Budget, or another tool to budget/track expenses and investments? If so, which one and do you like it? It seems like the free portion of Personal Capital is pretty slick. I'm not sure what to think about giving a third party access to my ac...