Search found 336 matches

by cockersx3
Thu Apr 08, 2021 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Leak under house, damage to floors, and insurance questions
Replies: 13
Views: 886

Re: Leak under house, damage to floors, and insurance questions

I've had to use my home insurance to deal with the aftermath of a sudden failure to a subsystem of my house. It wasn't water damage, but I think the same process would apply. Once I saw the issue, I immediately shut off that specific system to stop the issue from becoming worse, then called the insu...
by cockersx3
Thu Apr 08, 2021 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyways to improve financial aid?
Replies: 70
Views: 3662

Re: Anyways to improve financial aid?

We chose to take a different path. It's always fun to see "history" repeat itself with every new class of parents of future college students, isn't it? Just like the plot of horror movie everybody knows what's going to happen except the cast of characters in the movie. Yeah. At least the ...
by cockersx3
Tue Apr 06, 2021 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyways to improve financial aid?
Replies: 70
Views: 3662

Re: Anyways to improve financial aid?

Agree with all of the other posters that you should "go all in" on merit aid. It is not worth hiding assets or otherwise structuring your finances to try to game the need-based aid system, since most of the "aid" you or your son are likely to receive will come in the form of loan...
by cockersx3
Sun Apr 04, 2021 7:02 am
Forum: Personal Consumer Issues
Topic: AWD vs 2WD in up state new york
Replies: 53
Views: 3302

Re: AWD vs 2WD in up state new york

We have had both the 2WD and AWD Sienna in New England winters. The AWD wins, hands down - it's not close. The 2WD Sienna would not maintain traction even with low amounts of snow on the ground, but the AWD handled it fine. Wife is the primary driver, she said it was a night and day difference. I wo...
by cockersx3
Mon Mar 22, 2021 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever make a claim against their home warranty?
Replies: 27
Views: 2015

Re: Anyone ever make a claim against their home warranty?

I used my home warranty to replace a hot water heater that failed shortly after we bought our home. It was nice to have, but the insurance company still made money (cost of replacement was probably still far less than whatever the prior homeowners paid for the warranty). If the OP has title insuranc...
by cockersx3
Sat Mar 20, 2021 6:47 am
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12247

Re: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too

- WPI, RPI will have a higher graduation rate, a testament to how much they support their students. If the student is determined and independent does not matter much. This 100%. My daughter was accepted at WPI and a bunch of other schools. The scholarships WPI offered made the cost comparable to th...
by cockersx3
Wed Mar 17, 2021 7:03 pm
Forum: Investing - Theory, News & General
Topic: cFIREsim has been revised and is super easy to use.
Replies: 186
Views: 15926

Re: Cfiresim has been revised and is super easy to use. (It's based on Firecalc)

Great tool and thanks for putting in so much hard work on it. I did enjoy the previous versions ability to persist a simulation. I guess that feature may have been too expensive to maintain. Any chance it might come back in some way? It still persists in a way. If you run a simulation, at the top o...
by cockersx3
Wed Mar 17, 2021 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12247

Re: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too

WPI provides great data for where their graduates end up. Here's a link to the dataset from 2019 (latest available) - shows how many of the kids got jobs, whick employers they went to, and average starting salaries on a per-major basis. My daughter has this on her short list as well. She really like...
by cockersx3
Tue Mar 16, 2021 3:47 pm
Forum: Personal Consumer Issues
Topic: Motor vehicle accident; civil lawsuit
Replies: 87
Views: 10055

Re: Motor vehicle accident; civil lawsuit

There did not appear to be any serious injury. My bother just received summons for a civil claim of $500,000 against him from the other party. Can we just paste this into the threads that ask if it's REALLY necessary to carry a liability umbrella? OP- your insurance company has this. You need not w...
by cockersx3
Tue Mar 09, 2021 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: 35 and thinking about early retirement or partial retirement
Replies: 131
Views: 13749

Re: 35 and thinking about early retirement or partial retirement

For those of you considering pulling the plug on work due to burnout and overwork - is anyone concerned about whether this is just a temporary thing because of pandemic-induced mental stress? I feel the same as many of the posters in this thread - well paid, but also FI and just completely burned ou...
by cockersx3
Wed Mar 03, 2021 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Mechanics of teen's 1st tax return
Replies: 35
Views: 2009

Re: Mechanics of teen's 1st tax return

May be worth having your child just fill it out by hand the first time. Their return will be very simple (only a few lines on the 1040 that would be completed), and it would be a good way for them to understand how it all works before they get older and their returns get more complicated. FWIW, this...
by cockersx3
Tue Mar 02, 2021 8:25 pm
Forum: Personal Consumer Issues
Topic: It's Time To Replace my WIFI Router. Help????
Replies: 18
Views: 1931

Re: It's Time To Replace my WIFI Router. Help????

How about a 1 point Google Nest router? https://store.google.com/product/nest_wifi Then you can add on additional mesh points if you need more coverage. Our Google Wifi (previous gen to the Google Nest router) is still working great. +1 on this. We replaced ours about a year and a half ago with a G...
by cockersx3
Mon Mar 01, 2021 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 129
Views: 17535

Re: Any expats retired in europe? How much needed to retire?

Have to say - the back-and-forth on the details of the US-France tax treaty should serve as a good reminder to line up good tax advice wherever you go. I also saw this myself in a prior jab role as an expat - the laws around who gets taxed where and for what, along with the rules of tax residency - ...
by cockersx3
Mon Mar 01, 2021 8:03 pm
Forum: Personal Consumer Issues
Topic: Want to be a nomad but not sure about keeping a house
Replies: 44
Views: 4207

Re: Want to be a nomad but not sure about keeping a house

One question - how would you handle transportation when in the US? Will you store a car with one of the relatives, or just rent? Probably not an issue for some of the European destinations due to the generally better public transportation infrastructure there, but may be an issue when back in the US.
by cockersx3
Sat Feb 27, 2021 3:22 pm
Forum: Personal Investments
Topic: Taxes on RSU Sales
Replies: 6
Views: 503

Re: Taxes on RSU Sales

Let's use the OP's example, but using a stock price of $10 per share on the day of vesting. So, the OP has 1000 RSU's ($10000 value divided by $10 per share on the day they vested) that converted to 1000 shares of stock on the day of vesting. Sticking with the OP's example, 500 of those stocks were ...
by cockersx3
Sun Feb 21, 2021 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: So what kind of raise did you guys get for 2021?
Replies: 222
Views: 16881

Re: So what kind of raise did you guys get for 2021?

Merit increase budget in my MegaCorp this year is 3%. Same as last year.
by cockersx3
Wed Feb 17, 2021 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Just landed a permanent WFH job across the country. What's your best WFH investment to make your life better?
Replies: 77
Views: 7313

Re: Just landed a permanent WFH job across the country. What's your best WFH investment to make your life better?

Agree with all the prior posts. Only thing I would add to the list is a good docking station. Now I can plug my work laptop into the docking station and instantly connect to my monitors, keyboard, mouse, etc. When work is done, I can just disconnect my work laptop with a single connection, and plug ...
by cockersx3
Wed Feb 10, 2021 8:07 pm
Forum: Personal Consumer Issues
Topic: Dash cams?
Replies: 36
Views: 3478

Re: Dash cams?

Works great for parents of teenage drivers. I like to think that my kids are good drivers, but having the ability (and the demonstrated willingness :twisted: ) to "roll the tape" at anytime for no particular reason helps reduce the risk of them doing stupid things with the car. It also wor...
by cockersx3
Sun Feb 07, 2021 12:15 pm
Forum: Personal Consumer Issues
Topic: Return to office after covid shutdowns
Replies: 183
Views: 7345

Re: Return to office after covid shutdowns

As a "working" manager of people (ie both management and IC responsibilities), what I've found is that my high performers performed at an even higher level during WFH. They adapted very quickly and developed good ways of working that served them well during the pandemic. I also found that ...
by cockersx3
Sun Jan 31, 2021 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Distance from FI, Necessary Balance in Taxable Account
Replies: 20
Views: 1564

Re: Distance from FI, Necessary Balance in Taxable Account

One thing that complicates your analysis is that your expenses are a little "lumpy," so simple calculations such as the "3.5-4% rule of thumb" would not be helpful in your case. For example, how much is your monthly mortgage payment and how much longer do you expect it to last? I...
by cockersx3
Wed Jan 27, 2021 3:33 pm
Forum: Investing - Theory, News & General
Topic: PSA for 3 funds folks: Did you pass the "Buy, Hold, and Rebalance" Test on March 2020?
Replies: 135
Views: 4948

Re: PSA for 3 funds folks: Did you pass the "Buy, Hold, and Rebalance" Test on March 2020?

Yep - rebalanced into stocks in March, and kept buying before and after. Felt sick to my stomach doing it, as I have posted before - felt like I was shoveling money into a furnace. What was particularly disturbing is all of the frantic posts I saw on this forum at the time - usually people here are ...
by cockersx3
Sat Jan 16, 2021 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Wife's access to things after my death
Replies: 74
Views: 6494

Re: Wife's access to things after my death

Add her as an authorized user to your credit card accounts if she's not already. Change your bank accounts to joint. Then in 6 months to a year have her apply for a card in her name. I don't believe authorized user works after the owner's death. She either should be joint and/or have her own card. ...
by cockersx3
Sun Jan 03, 2021 8:00 pm
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 25970

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

Shockingly, some people enjoy mowing their lawn & shoveling snow regardless of their net worth :wink: Time spent outside and getting a little bit of exercise. Some multi millionaires even do their own taxes, change their own oil, cut their own hair, and wash their own clothes. I do those things...
by cockersx3
Fri Jan 01, 2021 11:40 am
Forum: Personal Investments
Topic: Megaback door q - in plan conversions
Replies: 6
Views: 442

Re: Megaback door q - in plan conversions

My 401K plan started allowing for in-plan conversion which i took advantage of this year. In the past I would do an annual roll over to my roth and would have to deal with any earnings on the after tax contributions. With the in-plan conversion, I understand it eliminates this issue. Is there a nee...
by cockersx3
Sun Dec 27, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: Check my steps: U.S. to Europe cell phone plan switch
Replies: 25
Views: 1446

Re: Check my steps: U.S. to Europe cell phone plan switch

As part of our international assignment move (to Europe), I need cancel our family cellular service in the U.S. (4x lines with Verizon) and sign up for service with a local European carrier. We want to keep our U.S. mobile numbers by converting them to Google voice numbers, so friends and family ba...
by cockersx3
Sun Dec 20, 2020 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: College-Age Kids getting student loans when parent income too high
Replies: 133
Views: 7965

Re: College-Age Kids getting student loans when parent income too high

Somewhat off topic, but....our school system has a "dual enrollment" option for juniors and/or seniors that can be a great and more cost-effective alternative to AP classes. The plan allows kids to take community college courses, either full-time at the CC or (in some limited cases) by CC...
by cockersx3
Sun Dec 20, 2020 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: College-Age Kids getting student loans when parent income too high
Replies: 133
Views: 7965

Re: College-Age Kids getting student loans when parent income too high

Hi OP. I’m not advocating anything by these questions, but curious to understand the situation a little better, and maybe help further your thought process 1. Do you feel like a state school or a private school is a better fit for your son? 2. Are there situations where you could see yourself agree...
by cockersx3
Sat Dec 19, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: College-Age Kids getting student loans when parent income too high
Replies: 133
Views: 7965

Re: College-Age Kids getting student loans when parent income too high

Bottom line - i assumed there were plenty of ways for my kid to borrow money for their half of college, and now it seems unlikely unless we are involved on co-signing for or otherwise becoming liable for more loans. Can't believe I was ignorant of this. I appreciate all thoughts from anyone who fac...
by cockersx3
Fri Dec 18, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12784

Re: Shopping for college

Good news! College applications and future enrollment are down for the 2021-2022 school year. Competition should be less fierce. Yeah, I think we are seeing that in the college application process too. Several of the mid-tier schools to which my daughter applied have moved up admissions notificatio...
by cockersx3
Fri Dec 18, 2020 9:14 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12784

Re: Shopping for college

Nice! Thank you for the update. How did the tour seem? Did you tour any other colleges? She loved it! Had low expectations heading to the school, but she went there and was totally blown away. She's wants to be an engineer (just like her dad!) and was really impressed with the engineering part of c...
by cockersx3
Sat Dec 12, 2020 7:50 am
Forum: Personal Finance (Not Investing)
Topic: When are annual bonuses usually paid?
Replies: 42
Views: 2554

Re: When are annual bonuses usually paid?

My MegaCorp has a written policy around bonuses that answers all of these edge-case questions, like how the bonus is handled for new employees and what happens if you leave early. Ours was easily accessible on the company's intranet site, so would recommend that OP check it out and see if one exists...
by cockersx3
Tue Dec 01, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: YouTube TV just dropped Tennis Channel...
Replies: 50
Views: 4004

Re: YouTube TV just dropped Tennis Channel...

Wife and I saw the popup as well when I turned on YouTubeTV today,

Our first reaction was...."wow, didn't even know we had a tennis channel." :D
by cockersx3
Thu Nov 26, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12784

Re: Shopping for college

It looks like SAT is not optional at U of Alabama so he’ll have to take it. WUE is not that great. One of my friends paid $50k for one year of university of Oregon. His kid was so depressed by cloudy weather that he took every chance to fly home to California. Ended up dropping out after 1 year. $5...
by cockersx3
Wed Nov 18, 2020 3:21 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal rate for an early retirement
Replies: 428
Views: 25391

Re: Withdrawal rate for an early retirement

For those questioning ERN's safe withdrawal rate chart because it leaves $0 at the end, ERN wrote a post that covers this exact use case. The article contains a chart with SWR's for various percentages of assets left at the end of the simulation period. (I'd copy that table right into this post if I...
by cockersx3
Thu Nov 12, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Is Google Hangouts reliable replacement for voice phone calling?
Replies: 34
Views: 6426

Re: Is Google Hangouts reliable replacement for voice phone calling?

My wife used Google Voice when teaching from home during the pandemic. She wanted a way for parents to reach her, but did not want to share our personal number with the public (there are some weird people out there). So, we found an old Android handset and set it up with Google Voice over our home W...
by cockersx3
Thu Nov 12, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: Need SAT prep suggestion
Replies: 36
Views: 1919

Re: Need SAT prep suggestion

Remember that you're not the first person who has needed this service. Ask your neighbors or your kids' friends' parents for references. If you are part of a neighborhood Facebook group, that's also a good place to look for references. We used this and found great 1:1 tutors for math and English por...
by cockersx3
Sun Nov 08, 2020 8:58 pm
Forum: Personal Investments
Topic: Can I retire at 49
Replies: 192
Views: 17572

Re: Can I retire at 49

Am targeting a 6% SWR from portfolio of $1.5 million What's the timeline? As others have noted, 6% WR seems rather high, especially at 49, when the general guidance for that early is closer to 3 - 3.5% (well below 4%, which isn't as safe for early retirement). However, if I followed your post, it s...
by cockersx3
Sun Nov 08, 2020 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card which is NOT the Citi Double Cash?
Replies: 49
Views: 4758

Re: What is the best 2% cash back credit card which is NOT the Citi Double Cash?

Take a look at the Visa Signature card from Alliant Credit Union. Cash back of 2.5% on everything. There is a $99 annual fee which quickly pays for itself, but even the annual fee is waived for the first year. I have it and like it.
by cockersx3
Sun Nov 08, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: Recommend a laptop for my 8 yo
Replies: 12
Views: 703

Re: Recommend a laptop for my 8 yo

Will your son need (or want) to use it at school? If so, a Chromebook would be my first option. The batteries on these things easily last all day, which is important at school since the kids will likely not have the opportunity to charge it. Also, an elementary of middle school is a tough environmen...
by cockersx3
Sat Nov 07, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Potentially unexpectedly high college expenses
Replies: 77
Views: 4986

Re: Potentially unexpectedly high college expenses

We are going through this now with our daughter. She has been told since her freshman year of HS that we will pay a max of $25K/yr for a max of 4 years, with what I would consider to be reasonable strings attached (ie min GPA requirement in HS and in college, major that is reasonably likely to lead ...
by cockersx3
Sun Oct 25, 2020 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: College Merit Aid Question...
Replies: 51
Views: 3536

Re: College Merit Aid Question...

Thanks for posting - we are going through this now with our DD with similar stats. Like the OP we do not qualify for need-based aid. She applied to several out-of-state schools with rolling admission and advertised automatic merit (Alabama, WVU, Arizona, etc) and has been accepted. In most cases the...
by cockersx3
Tue Oct 13, 2020 4:22 pm
Forum: Personal Investments
Topic: New member - 47 Year Old with 2mil to Invest. Suggestions?
Replies: 24
Views: 2905

Re: New member - 47 Year Old with 2mil to Invest. Suggestions?

Thank you so much to everyone who's replied! I will go over all the websites/articles/books and see which best apply to my current situation before making any major changes. This has been an inheritance. I plan to keep working until 60 or so, as I enjoy my job, and unless the world falls apart (not...
by cockersx3
Sun Oct 04, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Financial aspects from death in family - help needed!
Replies: 5
Views: 1224

Financial aspects from death in family - help needed!

Hello fellow Bogleheads! We have close, longtime friends of our family that have reached out to us for financial advice. I’d like to get this groups’ feedback to help us help them. The family consists of two parents and two teenage sons. Sadly, one of the parents passed away very recently from a lon...
by cockersx3
Sat Sep 12, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12784

Re: Shopping for college

Some good info above. We live out west and can go to WUE schools and pay in-state + 50%. That's about 8 western states and about 100 4 year schools. I noticed many other state universities have similar programs for neighboring states. So look around as that increases your pool of schools if you wan...
by cockersx3
Sat Sep 12, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: Strategy for replacing faucet/toilet water shutoff valves?
Replies: 38
Views: 3288

Re: Strategy for replacing faucet/toilet water shutoff valves?

No need to remove or replace the whole valve. The stems & packing on these valves are designed to be replaced. Here's a link to the packing replacement kit at Home Depot (they are available at other vendors too, but this is the first one I thought of): https://www.homedepot.com/p/BrassCraft-Mult...
by cockersx3
Tue Sep 01, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12784

Re: Shopping for college

Some good info above. We live out west and can go to WUE schools and pay in-state + 50%. That's about 8 western states and about 100 4 year schools. I noticed many other state universities have similar programs for neighboring states. So look around as that increases your pool of schools if you wan...
by cockersx3
Sat Aug 22, 2020 3:15 pm
Forum: Personal Investments
Topic: Need help ditching 403b & inheritance
Replies: 14
Views: 1119

Re: Need help ditching 403b & inheritance

In general, the advice I typically give is to invest into Roth IRA's / Roth 401(k)'s if you expect your tax rates to increase (or stay the same) when you are retired, and to invest in 403(b)'s / 457's / 401(k)'s if you expect your tax rates to drop when retired. Since tax rates depend largely on inc...
by cockersx3
Fri Aug 14, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: August SAT - where to take it?
Replies: 4
Views: 485

August SAT - where to take it?

Like many parents of "rising" high school seniors, I am scrambling to locate a place for my daughter to take the SAT's later this month. Thanks to COVID, all August SAT administrations within about 5 hours of my home (Northeast / Mid-Atlantic) have been cancelled. While the registration de...
by cockersx3
Thu Jul 16, 2020 8:08 pm
Forum: Personal Consumer Issues
Topic: Anyone else love this new working from home thing?
Replies: 89
Views: 6625

Re: Anyone else love this new working from home thing?

I think it depends on your own personal situation and work style. I personally love it - get about 2 hrs / day back in commuting time, plus more time with my wife and family which is great. The one thing I hated most of all about my job was the level of business travel, but thanks to COVID that has ...
by cockersx3
Tue Jul 07, 2020 7:22 am
Forum: Personal Investments
Topic: Inheritance - what to do next
Replies: 19
Views: 4549

Re: Inheritance - what to do next

Is there a specific reason why you want to transfer the investments in kind? My understanding is that inherited assets get a step-up in basis after the owner's death, meaning that any capital gains taxes you pay on the transfer would not be based on the original cost basis, but on the cost basis whe...