Search found 421 matches

by SoAnyway
Thu Nov 29, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card question
Replies: 12
Views: 1293

Re: Credit card question

Thx dm200, I know I can get an entry level - credit builder type card. I am hoping to find a financial institution that will look at my financial situation as opposed to credit score and get a better card - no fee cash back type card. Baby steps, OP. You need to walk before you run, you need to cra...
by SoAnyway
Thu Nov 29, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2970

Re: Guy's Western US Ski Trip - suggestions?

Another vote for Park City if you can get over the Utah issue. (Attended lots of industry conferences there; as WCI mentioned, there's a reason they're held there.) If Utah is absolutely a no-go, vail or breck.
by SoAnyway
Thu Nov 29, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 34
Views: 3728

Re: Winter boot recommendation

Male, casual office, looking for something comfortable enough to wear all day. " ...looking for something comfortable enough to wear all day "? While also weathering the Chicago winter conditions, i.e. traction to keep you from falling on ice and breaking bones, waterproof for when things turn slus...
by SoAnyway
Thu Nov 29, 2018 8:50 pm
Forum: Personal Investments
Topic: Moving to new stage of investing
Replies: 3
Views: 1012

Re: Moving to new stage of investing

I think the best way to approach rental properties is to view them as a part time job, not as a passive investment. +1. OP, do you need or want a part-time job? If so, compare being a landlord (or "flipper") to other PT opportunities available to you and evaluate each in terms of your own talents, ...
by SoAnyway
Thu Nov 29, 2018 8:13 pm
Forum: Personal Investments
Topic: Explain to me what bonds are.
Replies: 15
Views: 1459

Re: Explain to me what bonds are.

covalent or ionic? ROFLMAO.... :sharebeer Sorry, OP - I couldn't resist. (Hilarious, Keepcalm!!) SoAnyway, back to your question, OP: You've received great referrals to the wiki and great explanations, including a weigh-in from the esteemed Nisiprius who btw is closing in quickly on 37,000 posts! :...
by SoAnyway
Wed Nov 28, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 8147

Re: Employeer taking vacation days on public holidays - is this legal or normal?

I get paid commission, but not as a doc. I know the difference between productivity pay and commission. The OP does not. At any rate, incentivizing your doc to put a little hustle under her bustle helps you get that appointment faster and not sit in the waiting room as long. That's not necessarily ...
by SoAnyway
Wed Nov 28, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Roth contribution rendered ineligible by unexpected income - what next?
Replies: 8
Views: 1024

Re: Roth contribution rendered ineligible by unexpected income - what next?

In January of 2018 I contributed the maximum allowable to my Roth IRA for the year ($5500). In November, the small company I work for was purchased, and as an equity holder, I received a one-time distribution that puts me above the AGI income limits for contributing to a Roth this year. I was not e...
by SoAnyway
Wed Nov 28, 2018 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7763

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

And don't forget, your 401k generally offers greater asset protection than IRAs in case of lawsuits. This is why I place as much of my retirement money in 401k as possible. About the only entities that can make any claim on a 401k are the IRS and a court making a domestic judgment (e.g. divorce, ch...
by SoAnyway
Tue Nov 27, 2018 11:37 pm
Forum: Personal Investments
Topic: Sell Stock or Student Loans for Grad School?
Replies: 13
Views: 792

Re: Sell Stock or Student Loans for Grad School?

OP, I have several thoughts having read through this thread: 1. First, thank you for your professional commitment to the hospice/oncology space and helping patients and families facing those difficult decisions. I venture to believe that there isn't a single person reading this out there in the inte...
by SoAnyway
Tue Nov 27, 2018 10:05 pm
Forum: Personal Investments
Topic: Program to Organize All Your Investing Accounts
Replies: 8
Views: 1242

Re: Program to Organize All Your Investing Accounts

Does anybody know of a good program or website that can help you organize your accounts so that you know what total percentage of stock and bonds you have? If you don't care that the free web tools/apps are likely collecting and tracking all your data and selling it to the highest bidder - you know...
by SoAnyway
Tue Nov 27, 2018 12:28 am
Forum: Personal Finance (Not Investing)
Topic: List of costs that go away/decrease and increase/appear in retirement
Replies: 69
Views: 6111

Re: List of costs that go away/decrease and increase/appear in retirement

I'm 15-20 years away from retirement. I spend a lot of time learning on BH and appreciate all the knowledge being shared. I'm curious about costs that go away/decrease in retirement and those that increase/appear in retirement. I realize that there are many variables (age, health, hobbies, personal...
by SoAnyway
Mon Nov 26, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: 23 years old 40K saved. What would you do?
Replies: 39
Views: 3613

Re: 23 years old 40K saved. What would you do?

Knowing what you know now. If you were 23 years olds and managed to save around 40K, saved in a high yield savings account and already contributed the maximum amount to a Roth for this year,(from a summer job that provided "earned income" and do not expect to be able to contribute next year since I...
by SoAnyway
Mon Nov 26, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7763

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

Contact your insurer and follow their directions. I wouldn't make any additional posts admitting fault or anything else about the case. This plus a 100. Make no reply whatsoever to these people fwd all correspondence to your insurance company until they instruct you otherwisd. Supplementing my earl...
by SoAnyway
Mon Nov 26, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7763

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

Is this legal? As any lawyer will tell you (if they're honest and direct), OP, the answer to your above question is "This is America. Anyone can sue anyone for anything." Whether the other side can win or not, well.... As they'll also tell you, "It depends." Either way, the one getting sued has to ...
by SoAnyway
Mon Nov 26, 2018 8:35 pm
Forum: Personal Investments
Topic: $724k in debt and I want to buy a home.
Replies: 54
Views: 6970

Re: $724k in debt and I want to buy a home.

I’d pay more than you’d like — if necessary — to rent the kind of home that you want rather than take on more debt. Better an extra few hundred dollars a month in the short term than adding to your debt load, especially given that you expect to move. +1 As also mentioned above, just rent a house in...
by SoAnyway
Mon Nov 26, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: paying off all but 1 dollar of CC
Replies: 70
Views: 8916

Re: paying off all but 1 dollar of CC

Other than the interest I once paid on a mortgage and student loans - that I minimized by overloading pre-payments on principal - I have always viewed interest as something I EARN, not something I pay to others. 800+ credit score for decades. YMMV, OP.
by SoAnyway
Sun Nov 25, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's the 'safest' decision?
Replies: 17
Views: 2482

Re: What's the 'safest' decision?

OP, as the replies have indicated (including your own), it appears that (a) there's not enough info to determine YOUR priorities (the only ones that matter here), and (b) you might be overthinking. My suggestion: Please re-read your original post and update it (using the pencil tool in the upper rig...
by SoAnyway
Sun Nov 25, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: I'm so CHEAP! Don't think it is healthy.
Replies: 36
Views: 7224

Re: I'm so CHEAP! Don't think it is healthy.

No need to worry about being cheap at this stage of the game, OP. You and your wife are doing all the right things to secure your future - financially, emotionally and (best I can tell from what you've posted) physically. You're both 28; you've taken admirable steps toward your marketable degree; yo...
by SoAnyway
Sun Nov 25, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to print large quantities
Replies: 4
Views: 435

Re: Cheapest way to print large quantities

If you can wait for the copies to be shipped to you and the content isn't sensitive, you might find better pricing at an online service like bestvaluecopy.com or docucopies.com.
by SoAnyway
Sun Nov 25, 2018 1:25 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 241
Views: 27484

Re: What is your allocation to U.S. and International?

In relation to the never ending debate of portfolio allocation, I am interested in thoughts on the allocation between U.S. and International stocks and bonds. OP, as you stated, the debate is never-ending. And to paraphrase Jack or Taylor or both, when the debate is never-ending, it's probably beca...
by SoAnyway
Sun Nov 25, 2018 12:57 am
Forum: Personal Investments
Topic: Top ten recommended books on personal investing
Replies: 26
Views: 3310

Re: Top ten recommended books on personal investing

What %'s do you recommend for the three aforementioned funds? E.g. 60% US stock market fund, 30% bond fund, 10% international fund Thanks esmac: It is impossible for someone else to recommend your best asset-allocation. Only you know your goals, your time-frame, your risk-tolerance and your persona...
by SoAnyway
Sun Nov 25, 2018 12:30 am
Forum: Personal Investments
Topic: Roth conversion in a low income year.
Replies: 10
Views: 1437

Re: Roth conversion in a low income year.

OP, as other replies indicate, we'd need more specifics re. your relative's situation to give good guidance, i.e. what all her AGI consists of and potentially available credits, in addition to other facts where her tax filing might be relevant e.g. ACA/Medicaid eligibility. As boB pointed out, you ...
by SoAnyway
Sat Nov 24, 2018 11:43 pm
Forum: Personal Investments
Topic: Roth conversion in a low income year.
Replies: 10
Views: 1437

Re: Roth conversion in a low income year.

OP, as other replies indicate, we'd need more specifics re. your relative's situation to give good guidance, i.e. what all her AGI consists of and potentially available credits, in addition to other facts where her tax filing might be relevant e.g. ACA/Medicaid eligibility. As boB pointed out, you s...
by SoAnyway
Fri Nov 23, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 5131

Re: Should I sell my house?

It's not the question you asked, OP, but if I were moving from SF to Boston for a new job, there's no way I'd buy in Boston until after renting for a year and getting the "lay of the land", i.e. whether the job is likely to work out longer-term, what towns will best meet my family's needs (everythin...
by SoAnyway
Fri Nov 23, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Where to get a WSJ print subscription
Replies: 4
Views: 987

Re: Where to get a WSJ print subscription

There was a thread on this recently: See here.
by SoAnyway
Mon Nov 12, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 238
Views: 37278

Re: [Financial] Habits of the Rich

Many people on this forum are very successful financially. Many of you are probably very disciplined. What are your habits that elevate your success? Do you read, take classes, have a mentor? Do you have a daily routine or habit that sets you apart? I would love to hear what habits you use to devel...
by SoAnyway
Sat Nov 10, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 14443

Re: Finances in NYC

Good Morning Everyone, I'm facing a big decision; I received a job offer in Manhattan, NY and am trying to see the financial side of the issue and since I believe everyone here from past experience I am hoping for other opinions regarding life in general with the decision. So, anything you think I ...
by SoAnyway
Sat Nov 10, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: buy a house or rent?
Replies: 5
Views: 873

Re: buy a house or rent?

I have been informed by my spouse that we are moving next year to be closer to the grandchildren. We are in our late 60s and early 70s. We are both retired and very well off. Net worth in the high seven figures. We are moving from a very high cost of living location to a medium cost of living locat...
by SoAnyway
Thu Nov 08, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Kitchenware Plastic Alternatives
Replies: 9
Views: 1011

Re: Kitchenware Plastic Alternatives

We use Corelleware in the motorhome. Good stuff. Hard, very hard, to break. Another plug for Corelle here. The stuff's darn-near indestructible, and as another poster said it's very reasonably priced. I've used the same Corelle plates, bowls and cups for 20+ years. No chips or cracks, and they've b...
by SoAnyway
Sat Nov 03, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5574
Views: 1362122

Re: What Movie Have You Recently Watched?

'Bohemian Rhapsody'. DW and I both loved it. DW said the critics didn't like it and indeed Rotten Tomatoes Critics is 59% and 49 on Metacritic but Audience is 93% and 85 respectively. I don't know if the critics missed the 70s and 80s and the HIV epidemic but it was a powerful depiction of the tria...
by SoAnyway
Wed Oct 31, 2018 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 174
Views: 16831

Re: Am I doing well financially?

OP here - I will put it this way - our combined base salary income is 21% higher than a year ago (maybe even 30% if counting bonus), 63% higher than 2 years ago, and 92% higher than 3 years ago. But fairly stable increases prior to that I suppose (5% to 10% increase/yr). Thanks for coming back, OP,...
by SoAnyway
Tue Oct 30, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Time to sell our condo? Advice needed.
Replies: 24
Views: 2737

Re: Time to sell our condo? Advice needed.

I faced a similar situation about 12 years ago, OP. I sold my condo in 2006 that I'd bought five years earlier. Had I not sold then, after the financial crisis I'd have been "stuck" for about 7-8 years because local RE values sunk like a rock (~40-50% drop seemingly overnight). In that sense, I get ...
by SoAnyway
Sun Oct 28, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 174
Views: 16831

Re: Am I doing well financially?

OP, I hope you will seriously consider spending less. In 2013, I was making about what you are now and had a negative net worth and negative monthly cash flow. Read a book called The Millionaire Next Door and that changed our outlook on money. We made a commitment to live off my base salary alone a...
by SoAnyway
Sun Oct 28, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 174
Views: 16831

Re: Am I doing well financially?

I have periodically tracked my expenses via spreadsheet and not once did I spend under $600/mo just on groceries alone, not counting eating out. What am I doing wrong? We coupon and everything, even. That's great that you've tracked periodically, OP! Dig in further. Do you "grocery/menu plan" based...
by SoAnyway
Sun Oct 28, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 174
Views: 16831

Re: Am I doing well financially?

OP, Congrats to you and DW for getting your careers started and thinking about your future. Yes, you're doing well. And yes, you could be doing a LOT better for your long-term future, esp. if you plan to have kids which will increase your expenses. You've gotten some great advice here, including fro...
by SoAnyway
Thu Oct 25, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 75
Views: 8165

Re: Car battery?

michaeljc70 wrote:
Thu Oct 25, 2018 8:19 pm
I know the thread is old...."Only" 45 months? How long do you think it will last for?
Ack! I didn't realize this was a bumped thread from 2017. I still stand by my posts.
by SoAnyway
Thu Oct 25, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 75
Views: 8165

Re: Car battery?

Need to replace my Acura TSX battery. Most recent battery - Advance Auto Gold, which lasted only 45 months. My experience with Interstate has been very disappointing - the 2 most recent (in our Jetta & Accord) both crapped out a couple of months prior to "expected" life. .Have read that "they don't...
by SoAnyway
Thu Oct 25, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 75
Views: 8165

Re: Car battery?

Need to replace my Acura TSX battery. Most recent battery - Advance Auto Gold, which lasted only 45 months. My experience with Interstate has been very disappointing - the 2 most recent (in our Jetta & Accord) both crapped out a couple of months prior to "expected" life. .Have read that "they don't...
by SoAnyway
Thu Oct 25, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5604

Re: What to do with >$1000 in Amazon credits?

It bugs me to see this money sitting there earning nothing now that interests rates are going above 2%, and at this rate it will take me 2-3 years to spend it down. At the same time, I don't want to spend it on things I don't need or things I can get cheaper elsewhere like at Wal-Mart or eBay. Some...
by SoAnyway
Thu Oct 25, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Dental Mishap
Replies: 51
Views: 6290

Re: Dental Mishap

Not sure how this works in the dental world, or in private offices. In hospitals, there's a national efforts to reduce/eliminate wrong site/wrong patient/wrong procedure: https://www.ncbi.nlm.nih.gov/books/NBK20546/ Regardless of who you go to next, I hope you are included in a "time out" procedure...
by SoAnyway
Wed Oct 24, 2018 11:07 pm
Forum: Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 8395

Re: Reaction to Market

Difficult to follow the Philosophy aspired by the Organization after today's dumpster dive even with the appropriate risk reward ratio. $100,000 paper loss today. If you care about a $100k paper loss in the equity markets on a single day, OP, I highly recommend that you continue to educate yourself...
by SoAnyway
Wed Oct 24, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - success!!!
Replies: 102
Views: 16317

Re: Empty nester downsizing - any advice?

The biggest obstacle to downsizing is the clutter you have accumulated. You should immediately attack and eliminate the clutter so that you can take advantage of a good downsizing opportunity that comes along. Putting things in storage is not a reasonable solution. +1. OP, how much clutter do you h...
by SoAnyway
Mon Oct 22, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - success!!!
Replies: 102
Views: 16317

Re: Empty nester downsizing - any advice?

The biggest obstacle to downsizing is the clutter you have accumulated. You should immediately attack and eliminate the clutter so that you can take advantage of a good downsizing opportunity that comes along. Putting things in storage is not a reasonable solution. +1. OP, how much clutter do you h...
by SoAnyway
Mon Oct 22, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a wills/trust/estate planning forum you'd recommend
Replies: 7
Views: 2517

Re: Is there a wills/trust/estate planning forum you'd recommend

You can learn a lot by searching for any posts by "bsteiner" an expert estate planning attorney who posts here regularly. Also posts by "Gill", an attorney and CPA who spent his career in bank trust departments. "Firechief" is not an attorney, but a very interested boglehead who contributes a lot. ...
by SoAnyway
Mon Oct 22, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with recruiters when not actively looking for job?
Replies: 21
Views: 3065

Re: How to deal with recruiters when not actively looking for job?

I am working in tech field for a mega-corp. I am happy with my job but have some concerns I may get laid off ( ~50% chance ) in another few years. So I am open to other opportunities, but not quite ready to jump ship yet.. So do I tell recruiters upfront I am looking for XX salary with certain kind...
by SoAnyway
Mon Oct 22, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Costco, Coursera...
Replies: 39
Views: 5830

Re: Vanguard, Costco, Coursera...

What's on your list of "Vanguard equivalents" outside of investing? Curious to hear from others... Cheers :beer As others have already noted, the first things I thought of on reading your post, OP, were public libraries, Aldi, and Honda/Toyota. I'd also throw in checking out whatever other services...
by SoAnyway
Mon Oct 22, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 128
Views: 9333

Re: 2019 Expenses > 2019 Income – Help us close the gap

OP here again. Any thoughts on accessing savings or Roth IRA contributions or getting a loan? Don't try to borrow you way out of the situation. You have plenty of "wants" you can cut. +1. OP, you already know the answer to your question that's consistent with BH philosophy. There are plenty of peop...
by SoAnyway
Mon Oct 22, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retire now or in the Spring. - changing work conditions
Replies: 36
Views: 4293

Re: Retire now or in the Spring. - changing work conditions

Tell employer you don’t want to do whatever it is they’re asking you to do, and you’ll retire if you have to. (Phrase it more politely.) what’s the downside? You get what you want either way—not to transition into this new stuff, or to retire. +1, similar to arcticpineapplecorp's and pinotage's pos...
by SoAnyway
Mon Oct 22, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2694

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

Thank you all for your opinions and advise. She is working in the field of science and researcj so no real phyiscal activity beyond standard experiments. We were reading through the benefits and it says anybody is eligible for maternity leave after they have completed 30 days of full time or part t...
by SoAnyway
Mon Oct 22, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2694

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

Thank you all for your opinions and advise. She is working in the field of science and researcj so no real phyiscal activity beyond standard experiments. We were reading through the benefits and it says anybody is eligible for maternity leave after they have completed 30 days of full time or part t...