Search found 357 matches

by financial.freedom
Thu Feb 02, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4597

Re: Should I say YES or NO to this new job responsibility?

OP: What are the metrics upon which your organizational compensation is based? Are you sure you are not being adequately compensated given those metrics? If the compensation committee looks at you, do they see a performer at the median, or are you a standard deviation below the mean? Perhaps taking...
by financial.freedom
Thu Feb 02, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4597

Re: Should I say YES or NO to this new job responsibility?

There was no additional pay, just extra work. We were told it wouldn't be that much extra work, but turns out that it's enough to justify one full-time employee. Instead of increasing our pay or hiring another employee, we just had to absorb the extra work. This sounds like the company I work for a...
by financial.freedom
Thu Feb 02, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4597

Re: Should I say YES or NO to this new job responsibility?

I have 3 hours a day min of commuting. Not too sympathetic to the "10-15 min extra commute time". Sounds like a petty complaint unless you already have a very long commute. Do what you can tolerate in terms of hours and locations, based on your ability and personal circumstances. But it sounds to m...
by financial.freedom
Wed Feb 01, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4597

Re: Should I say YES or NO to this new job responsibility?

I am not clear. If you made partner, you should have access to the books as to what profits are made and how they are distributed. If you do not, I would suggest you test the waters. I would assume that as a partner you do not have a non compete. PS - I DO have a non-compete, but think it is not re...
by financial.freedom
Wed Feb 01, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4597

Re: Should I say YES or NO to this new job responsibility?

inbox788 wrote:No, I wouldn't without more clarity.
I like the word clarity. I also thought that maybe I could request them to put the details of the new center into my contract, and then that could open up the conversation for contract negotiations and possible pay increase.
by financial.freedom
Wed Feb 01, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4597

Re: Should I say YES or NO to this new job responsibility?

I am not clear. If you made partner, you should have access to the books as to what profits are made and how they are distributed. If you do not, I would suggest you test the waters. I would assume that as a partner you do not have a non compete. They call it "shareholder" instead of partner. Once ...
by financial.freedom
Wed Feb 01, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4597

Re: Should I say YES or NO to this new job responsibility?

livesoft wrote:Do you believe that you are paid what you are worth? Or are you already underpaid? How do you know?
Based on percentiles (comparing revenue and pay), I am a little underpaid. The other partners are paid more but I do not know the details.
by financial.freedom
Wed Feb 01, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4597

Re: Should I say YES or NO to this new job responsibility?

We were in a completely different field (software development), so I don't know if the results would be the same. DW and I never turned down opportunities to be more valuable. It worked out well for me, and fabulously for her. The money always showed up, with interest. Your field might be different...
by financial.freedom
Wed Feb 01, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4597

Re: Should I say YES or NO to this new job responsibility?

That revenue is going somewhere, it's not just disappearing into thin air. Either it will be swallowed up by increased overhead at the new site or it will go to line someone's pocket. The same was true with the previous acquisition as well. How clear are the books at your group? In the short term, ...
by financial.freedom
Wed Feb 01, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4597

Re: Should I say YES or NO to this new job responsibility?

Can you say no? Some of these situations, yes or no is not really an option. The work is coming to someone. Instead of saying yes or no, perhaps open a dialog dealing with what your priorities are and what your day will look like. Can you delegate some of your current tasks to make room for new tas...
by financial.freedom
Wed Feb 01, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 4597

Should I say YES or NO to this new job responsibility?

I'm in the medical field and our group is being asked to cover another center. The head of the group initially said there would be additional pay since this is additional work. However, it was later announced that the new medical center only needs some of the members of our group and there would be ...
by financial.freedom
Mon Jan 23, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2841

Re: Anyone file "decline in value" for property taxes? Advice?

Thank you for all of the great replies! Yes, I am appealing for a "decline in value" instead of lowering the base value. I understand now that the base value for Prop 13 purposes will remain the same, a decline in value would only be temporary, and if the County increases valuation for taxes in subs...
by financial.freedom
Sun Jan 22, 2017 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2841

Re: Anyone file "decline in value" for property taxes? Advice?

When did you buy your property and for how much? About a year ago for 1.55 M What is your current assessed value? 1.58M What do you estimate the current market value of your home? 1.5M (80k less than their assessment) I have protested my taxes in CA twice (N. San Diego County) during the recession....
by financial.freedom
Sat Jan 21, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2841

Re: Anyone file "decline in value" for property taxes? Advice?

Our county lists the properties that they themselves used as comps. So I researched those properties and went to the appeal with information and photos (thanks, Google satellite view!) that tried to support my claim that each of them in some way were better than mine. One had the same size lot but ...
by financial.freedom
Sat Jan 21, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2841

Re: Anyone file "decline in value" for property taxes? Advice?

The key to using comparable sales is to find historical ones that are shortly before or after the "as of" date for the property valuation appraisal. The board doesn't really care about what's happened since the "as of" date of the property valuation. I don't think they care about the "hocus pocus" ...
by financial.freedom
Sat Jan 21, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2841

Re: Anyone file "decline in value" for property taxes? Advice?

Nate79 wrote:I don't think you would be taken seriously to think your house value decreased 0.5% using Zillow data. If you haven't compared comps you haven't even started to establish the value of your house.
Sorry, let me clarify -- I only used Zillow, Redfin, etc. to find the recent sales. Will edit my post.
by financial.freedom
Sat Jan 21, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2841

Re: Anyone file "decline in value" for property taxes? Advice?

OP, where are you located? I once appealed a property tax assessment, but I had just had appraisal done for a refinance, so I used that to state my case. I won pretty easily. Also, I am a CPA, so I have some experience with property tax law. If your case is that in general, values are declining in ...
by financial.freedom
Sat Jan 21, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2841

Re: Anyone file "decline in value" for property taxes? Advice?

When did you buy your property and for how much? About a year ago for 1.55 M What is your current assessed value? 1.58M What do you estimate the current market value of your home? 1.5M (80k less than their assessment) I have protested my taxes in CA twice (N. San Diego County) during the recession....
by financial.freedom
Sat Jan 21, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 2841

Anyone file "decline in value" for property taxes? Advice?

Our property taxes increased this year by 2% however the value (as best I can tell, it is a little subjective) declined about 0.5%. I filled out an application to appeal for a decline in value here: http://assessor.lacounty.gov/decline-in-value/ My hearing is scheduled in a few weeks. At the hearing...
by financial.freedom
Fri Jan 13, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k for self-employed spouse?
Replies: 12
Views: 991

Re: Solo 401k for self-employed spouse?

I'm curious which company you are going with. We've thought about setting up side jobs and doing this in the future, but I think some (maybe VG) did not allow rollovers...
by financial.freedom
Sat Dec 24, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on using Mint (or similar program)
Replies: 0
Views: 307

Thoughts on using Mint (or similar program)

I want to review my spending and budget for the year.

1. Is Mint a good program/is there something better?
2. Is it helpful?
3. Is it safe to give the program my account info?

Any suggestions?

Thank you in advance!
by financial.freedom
Wed Dec 14, 2016 3:29 pm
Forum: Investing - Theory, News & General
Topic: FED Raises Rates - Sky Falls! Bond Prices are UP!
Replies: 34
Views: 7850

Re: FED Raises Rates - Sky Falls! Bond Prices are UP!

What's interesting to me is that folks on this forum state the market has things "priced in." It seemed the rate increase would have been priced in yesterday, yet markets are down today. It's that old maxim: "buy the rumour, sell the news". Plus, the Fed went from projecting 2 rate hikes next year ...
by financial.freedom
Wed Dec 14, 2016 3:28 pm
Forum: Investing - Theory, News & General
Topic: FED Raises Rates - Sky Falls! Bond Prices are UP!
Replies: 34
Views: 7850

Re: FED Raises Rates - Sky Falls! Bond Prices are UP!

TravelGeek wrote:
financial.freedom wrote:What's interesting to me is that folks on this forum state the market has things "priced in." It seemed the rate increase would have been priced in yesterday, yet markets are down today.
But is that the only factor influencing the market today?
No, but isn't it the main factor cited today?
by financial.freedom
Wed Dec 14, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Donating appreciated shares to charity
Replies: 14
Views: 1923

Re: Donating appreciated shares to charity

The process at VG was a little more complicated than I anticipated for the following reasons: 1. They said my taxable account has to be converted to a brokerage account (not sure why or how this will affect my account in the future). 2. I'm scheduled for a set donation each year. For instance, one s...
by financial.freedom
Wed Dec 14, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: FED Raises Rates - Sky Falls! Bond Prices are UP!
Replies: 34
Views: 7850

Re: FED Raises Rates - Sky Falls! Bond Prices are UP!

What's interesting to me is that folks on this forum state the market has things "priced in." It seemed the rate increase would have been priced in yesterday, yet markets are down today.
by financial.freedom
Fri Dec 09, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 5953

Re: Should I fill out survey evaluation of my boss?

Just say good things. For example: He/she always provides useful feedback and keen insight which have empowered me to make better decisions, improve my productivity, and perform my work with higher quality results and fully support team and organizational goals. He/she has offered this kind of good...
by financial.freedom
Fri Dec 09, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 5953

Re: Should I fill out survey evaluation of my boss?

Just be nice to your boss. Give him good ratings like you would want from people reviewing you. A suggestion for improvement that they would agree with. Do not think for a second that an honest negative review will lead to a new and better boss leading your department. It will just lead to problems...
by financial.freedom
Wed Dec 07, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 5953

Re: Should I fill out survey evaluation of my boss?

The survey is by a third party called "survey monkeys," and they state that it is anonymous but I am very cautious for reasons mentioned above. Our group is pretty small, about 10-20 employees, but part of a much larger company . It appears that the survey is going to upper level management, above t...
by financial.freedom
Tue Dec 06, 2016 10:52 pm
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 5953

Should I fill out survey evaluation of my boss?

We received a survey from administration that is for evaluating our boss. He is not very good at what he does, and he is vengeful against people who try to go against his wishes. For the most part, things are okay if I just do my job and keep my head down. It would be a better environment at work ov...
by financial.freedom
Mon Dec 05, 2016 2:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 7143

Re: livesoft is almost at 50,000 posts...

I've gained many pearls from livesoft on this forum, but wanted to share my favorite: Save time by putting school clothes on your children the night before. My wife thought I was crazy at first, until she witnessed how much easier it is than struggling with a toddler who does not want to get dressed...
by financial.freedom
Tue Nov 29, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Donating appreciated shares to charity
Replies: 14
Views: 1923

Re: Donating appreciated shares to charity

Great, thank you for the replies!
by financial.freedom
Sun Nov 27, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Donating appreciated shares to charity
Replies: 14
Views: 1923

Donating appreciated shares to charity

We've held the shares in taxable acct greater than a year, anything else we need to know? We'll get the charity account info and call VG tomorrow but any advice on how the process works or time it takes is greatly appreciated.
by financial.freedom
Sat Nov 26, 2016 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: More terror for newbies planning to TLH muni funds
Replies: 11
Views: 3223

Re: More terror for newbies planning to TLH muni funds

I don't see CA long term tax exempt or VG limited term tax exempt on the list; hopefully I'm in the clear.
by financial.freedom
Wed Nov 16, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4695

Re: Strategy for TLH Munis in Taxable?

I pulled the trigger... Thank you all for the advice! Thank you to Grabiner for mentioning in previous threads going long with state fund and limited term for national munis. Thank you to whomever did the sleuthing to find that a fund distributing dividends daily is not subject to the above mentione...
by financial.freedom
Wed Nov 16, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4695

Re: Strategy for TLH Munis in Taxable?

Oh, right. Still, give up 31 days by going to cash means giving up about $400-500 distribution (for about 220k in Munis). I think it makes more sense for us to exchange to CA Long Term and National Limited Term for that reason and also in case bonds go up. I know bonds are generally not volatile co...
by financial.freedom
Wed Nov 16, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4695

Re: Strategy for TLH Munis in Taxable?

Oh, right. Still, give up 31 days by going to cash means giving up about $400-500 distribution (for about 220k in Munis). I think it makes more sense for us to exchange to CA Long Term and National Limited Term for that reason and also in case bonds go up. I know bonds are generally not volatile com...
by financial.freedom
Wed Nov 16, 2016 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4695

Re: Strategy for TLH Munis in Taxable?

I think it makes sense to get the distribution, not sure if it matters before or after. I am a newbie, but I don't like the idea of moving it to cash for 31 days. This means giving up 2 months of distributions, about $800, for 3k of losses. Maybe there is something I'm missing?
by financial.freedom
Tue Nov 15, 2016 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4695

Re: Strategy for TLH Munis in Taxable?

Great, thank you for the replies! Currently, MUB is up a little so maybe I will take a few days and see how things go.

Does anyone know how to calculate the proportion of Short term tax exempt and CA long term that equates to intermediate term? Is 50/50 a close enough approximation?
by financial.freedom
Tue Nov 15, 2016 1:35 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4695

Strategy for TLH Munis in Taxable?

We split our munis 50/50 in taxable between two funds: IntermTax-Exempt (VWIUX) and CA IntermTax-Exempt Fund (VCADX). After the drop in bonds today, we have about 2k loss in VWIUX and 1k loss in VCADX. Questions: 1. Usually for TLH I check a similar ETF before closing to make sure I'm booking a loss...
by financial.freedom
Tue Nov 08, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: FSA for childcare -- worth it? Issues?
Replies: 7
Views: 887

Re: FSA for childcare -- worth it? Issues?

Andyrunner wrote:Yes, I have done it for the past several years as daycare is 9k+ a year. If I can make 5k of that pre-tax all the better.
Thanks!
by financial.freedom
Tue Nov 08, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: FSA for childcare -- worth it? Issues?
Replies: 7
Views: 887

Re: FSA for childcare -- worth it? Issues?

travelnut11 wrote:Yes, it's a good deal. I think it saves $1250 in taxes if you're in the 25% tax bracket. Ours is through ADP and it's easy. I fill out a form, have my care provider sign it, upload the form and submit. The reimbursement is direct deposited into my bank account.
Great, thank you!
by financial.freedom
Tue Nov 08, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: FSA for childcare -- worth it? Issues?
Replies: 7
Views: 887

Re: FSA for childcare -- worth it? Issues?

miamivice wrote:I assume your spouse works?

The preschool can only be paid for via FSA if both parents are working. (Some exemptions regarding when one parent is actively looking for work (childcare during interviews only) or going to school).
Yes, spouse works full-time.
by financial.freedom
Tue Nov 08, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: FSA for childcare -- worth it? Issues?
Replies: 7
Views: 887

FSA for childcare -- worth it? Issues?

My company is offering a Flexible Spending Account (FSA) through VITA. It looks as though we can put $5,000 pre-tax into this account (about $192 per paycheck) and use the money to pay for childcare at preschool. Since the money is pretax, I think it makes sense. Is this a good idea tax-wise? Anyone...
by financial.freedom
Thu Oct 06, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Is it ok to hire a contractor NOT licensed/bonded?
Replies: 11
Views: 1754

Re: Is it ok to hire a contractor NOT licensed/bonded?

Thank you for the replies! I like the idea of asking him to do the drywall and painting. Didn't think about permits. I will ask the electrician who is licensed/bonded if he should get permits for the work.
by financial.freedom
Thu Oct 06, 2016 12:56 am
Forum: Personal Consumer Issues
Topic: Is it ok to hire a contractor NOT licensed/bonded?
Replies: 11
Views: 1754

Is it ok to hire a contractor NOT licensed/bonded?

We need new lighting installed. It involves opening drywall, wiring, routing, patching drywall, sanding/ painting, and hanging a chandelier. We have three estimates and the person we like best does all the work himself, seems very thorough, has good references. But he is NOT licensed/bonded. Our sec...
by financial.freedom
Tue Oct 04, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help for setting up online store
Replies: 4
Views: 532

Re: Help for setting up online store

What's your goal? Are you looking to create a complete business or have fun doing a hobby? If it's a business, you should put together a business plan. If it's a hobby, have you looked into on-demand services like Zazzle? Thank you for the reply. It's a hobby that may potentially turn into a busine...
by financial.freedom
Tue Oct 04, 2016 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help for setting up online store
Replies: 4
Views: 532

Help for setting up online store

I have an idea for setting up an online store that fills a niche. I've researched that niche and do not see anything similar at this time. Have any Bogleheads had success setting up an online store selling T-shirts, mugs, art, etc. related to a specific niche? If so, do you have any advice?
by financial.freedom
Tue Sep 27, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 1218

Re: Hiring a PR person/team to promote music business: worth it?

Do you know people in a similar genre who have achieved your goal without the work and sacrifices of going on the road and building an audience? If so, I would interview them and see what they did. As you know, the well worn path is playing live on radio stations, at clubs, and building an audience...
by financial.freedom
Tue Sep 27, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 1218

Re: Hiring a PR person/team to promote music business: worth it?

My husband started a new music project and we've been trying to get the band off the ground as well. I'm no expert but $1,500 as an ongoing rate seems high. Do they guarantee a certain outcome if you sign up with them? The husband's band has two full-time musicians, so they've been doing the bulk o...
by financial.freedom
Tue Sep 27, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 1218

Re: Hiring a PR person/team to promote music business: worth it?

My husband started a new music project and we've been trying to get the band off the ground as well. I'm no expert but $1,500 as an ongoing rate seems high. Do they guarantee a certain outcome if you sign up with them? The husband's band has two full-time musicians, so they've been doing the bulk o...