Search found 313 matches

by otinkyad
Thu Apr 08, 2021 1:46 am
Forum: Personal Consumer Issues
Topic: What EV to buy for 20k-25k?
Replies: 62
Views: 5022

Re: What EV to buy for 20k-25k?

If you want an EV at a super low price, consider buying a used Nissan Leaf. I saw a couple at my local Carmax that were amazing deals. I bought a 2019 Leaf SV with 6000 miles on it from CarMax a couple months ago for cheap. Love it. Used Leafs are not the steal they used to be, but they’re still a ...
by otinkyad
Sun Apr 04, 2021 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Banking - personal and biz at the same place?
Replies: 2
Views: 297

Re: Banking - personal and biz at the same place?

We use generic large banks for personal banking, and use a local bank for business. Mild reasons: Personal: * ATM network * web site and app * high interest * bill pay, if we used it * Zelle, Venmo, etc. Business: * Medallion signatures * personal relationships for loans, etc. We also like keeping t...
by otinkyad
Thu Mar 25, 2021 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12181

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

Thanks for this and replies from others. I double checked and it looks like the current gender ratio at WPI is about 60% male for full time undergrad students. https://public.tableau.com/profile/wpi.institutional.research#!/vizhome/Enrollment_15718046316670/Enrollment WPI is aggressively encouragin...
by otinkyad
Fri Dec 11, 2020 10:25 pm
Forum: Personal Consumer Issues
Topic: Auto Dimming Glasses
Replies: 29
Views: 1788

Re: Auto Dimming Glasses

I love Transitions, but I also always wear a hat and have prescription sunglasses for driving or extended time in the sun. They’re not perfect, but for me they’re better than nothing, and it’s not an area in my life where I’m looking to save money. I have oily skin and wash my glasses with soap. All...
by otinkyad
Fri Dec 11, 2020 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: If your net worth were the following amounts, how much real estate would you own?
Replies: 142
Views: 9971

Re: If your net worth were the following amounts, how much real estate would you own?

... I want to see places I've never been before, and there are lots of them... Eventually that gets old as well and I have been doing it longer than most. I’m willing to try having that problem. I have no interest in a vacation home, but spend up to a month per year in some foreign location. There ...
by otinkyad
Fri Dec 11, 2020 4:26 am
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 250
Views: 20770

Re: Is programming still a valuable skill to learn?

Anyone here had the same feeling of changing careers from being a programmer to a completely different field? Any suggestions would be much appreciated :beer I have a friend who started out in programming, and in fact got me into programming. In his thirties, he realized that he wasn’t very good at...
by otinkyad
Mon Dec 07, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Have you reduced vacation travel if you move to a nice place in retirement?
Replies: 23
Views: 1912

Re: Have you reduced vacation travel if you move to a nice place in retirement?

I’m not retired, but I live someplace very nice, and yet I agree with with Hans Christian Andersen: “To travel is to live.” I was once standing on the jetty in Amalfi, Italy, and it was exquisite, and I found myself thinking happily about returning home in a few days, not because I didn’t like the A...
by otinkyad
Sun Dec 06, 2020 3:05 am
Forum: Personal Consumer Issues
Topic: Restaurant take out during the pandemic?
Replies: 93
Views: 7418

Re: Restaurant take out during the pandemic?

We’ve been doing takeout once a week. It’s a nice break from cooking and cleaning up, gets us out of the house at least briefly, and helps support local restaurants that we’d like to return to eventually. Sometimes we go to the ocean for takeout and eat in the car, but that was definitely nicer when...
by otinkyad
Mon Nov 30, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Deductible - Keep or Raise?
Replies: 27
Views: 1726

Re: Home Insurance Deductible - Keep or Raise?

But are you actually going to claim for a $1000 expense? Likely no because of the impact on your home's CLUE record, increased premiums, and chance of being dropped. If you won't claim for those lower cost incidents then it's wasted money. That isn’t true. If the OP ever files a claim of any size, ...
by otinkyad
Wed Nov 25, 2020 4:26 pm
Forum: Forum Issues and Administration
Topic: Just search the forum...
Replies: 21
Views: 2432

Re: Just search the forum...

The mobile site is missing the Google search, which is a handy shortcut, though I can of course type “site:bogleheads.org” myself.
by otinkyad
Wed Nov 25, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 94
Views: 16345

Re: Netflix - New Way Of Throttling [DVDs]?

The slowdown started more than 5 years ago for us. When they starting emphasizing streaming I laughed, and thought it was silly, but within a couple of years we cancelled our DVD subscription. We found we were watching fewer DVDs, and more streaming. We had 7 discs at the peak, but kept dropping the...
by otinkyad
Wed Nov 25, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bank bill pay user experience
Replies: 32
Views: 1666

Re: Bank bill pay user experience

People like the damndest things: bill pay, wireless keyboards, smart TVs, etc. Is there a word for things that have no new utility but create a new class of problems? Question. Are you suggesting banking bill pay (ie, avoiding sitting at my desk once a month filling out checks and mailing in dozens...
by otinkyad
Tue Nov 24, 2020 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Bank bill pay user experience
Replies: 32
Views: 1666

Re: Bank bill pay user experience

People like the damndest things: bill pay, wireless keyboards, smart TVs, etc. Is there a word for things that have no new utility but create a new class of problems?
by otinkyad
Tue Nov 24, 2020 5:04 pm
Forum: Investing - Theory, News & General
Topic: When will DJIA hit 100,000?
Replies: 32
Views: 2175

Re: When will DJIA hit 100,000?

The DJIA is absurd, and a century obsolete. It would not be out of place for The Onion to announce the creation of such a thing, or to discuss it as if it were a serious idea.
by otinkyad
Wed Nov 18, 2020 9:53 pm
Forum: Personal Consumer Issues
Topic: Google Chrome says passwords are compromised
Replies: 38
Views: 3348

Re: Google Chrome says passwords are compromised

Is there a reliable password keeper that actually works? Is is possible for the passwords to somehow float through the cloud to my plethora of Apple devices that all need them? 1Password. 1Password is also my favorite, but Apple Keychain and Google Passwords (aka Smart Lock, built into Chrome) are ...
by otinkyad
Wed Nov 18, 2020 9:28 pm
Forum: Investing - Theory, News & General
Topic: What is a High Earner bracket
Replies: 119
Views: 8759

Re: What is a High Earner bracket

To somewhat answer the OP’s question, I think the most obvious demarcations for high earners in financial articles are HCEs for 401k contributions, the phaseouts for deductible and Roth contributions, and the 32% and higher tax brackets, which influence all sorts of tax-related decisions.
by otinkyad
Wed Nov 18, 2020 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 204
Views: 13073

Re: Prop 19 CA Inheritance Property Implications

If a retired person who has lived in the house of a long time is forced to sell or their children do then the state gets a lot more tax dollars. So does the city indirectly. The governor supported Prop 19 and he explicitly talked about older owners paying their "fair" share. I believe the...
by otinkyad
Wed Nov 18, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Google Chrome says passwords are compromised
Replies: 38
Views: 3348

Re: Google Chrome says passwords are compromised

Yes, Google is reporting compromised passwords, even if they were compromised on a different site than the password entry it's flagging. You just need to change the flagged passwords. It wasn't a hack of Google Passwords itself.
by otinkyad
Wed Nov 18, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: What is a High Earner bracket
Replies: 119
Views: 8759

Re: What is a High Earner bracket.

There are literally millions of people in the top federal tax brackets. 25M+ US tax payers in the 25%+ fed tax bracket. Are you calling 25M people a bubble? You’re looking at old data. There is no 25% bracket, and there aren’t 25 million people in 25%+, you have to include those at 22% to get that ...
by otinkyad
Sat Nov 07, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1543
Views: 92331

Re: What are you listening to now

kd lang's cover of Leonard Cohen's Hallelujah Nice, but nobody beats Jeff Buckley’s version: https://youtu.be/y8AWFf7EAc4 I prefer Rufus Wainwright’s cover. There’s a lot of good work on I’m Your Man. I’m switching from CDs to streaming, and making lists of my CD collection. Currently listening to ...
by otinkyad
Fri Nov 06, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: How to deal with an irregular $10 bill?
Replies: 51
Views: 3604

Re: How to deal with an irregular $10 bill?

Texanbybirth wrote: Fri Nov 06, 2020 10:26 am No one is gonna call the cops on you for a $10 bill.
So, $20 is the minimum?
by otinkyad
Tue Nov 03, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: “Fairness” with adult kids
Replies: 21
Views: 2326

Re: “Fairness” with adult kids

We have adult children and are past this stage, but there still are some slight variances in terms of financial assistance. For example, we pay for all airline flights, and one family is required to fly and not drive to visit and they have a larger family than the others. One child is single and li...
by otinkyad
Tue Nov 03, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Potentially unexpectedly high college expenses
Replies: 77
Views: 4986

Re: Potentially unexpectedly high college expenses

I find these threads frustrating because most posters seem to treat both colleges and kids as fungible. It also feels like people are overly emotional based on their limited experiences. It's like they went to a casino, played roulette, bet on black, and now they either say "you should always b...
by otinkyad
Mon Nov 02, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: Improving Wi-Fi coverage: Use existing Cat5e and MoCA? [Solved]
Replies: 87
Views: 6190

Re: Improving Wi-Fi coverage: Use existing Cat5e and MoCA?

Another vote for Eero . Fantastic easy to use system. I live in a 2 story home, with concrete floors separating the 1st and 2nd floor (not good for wireless signals). I have an ethernet "back haul" that connects the two eero devices. One eero is on the first floor connecting to my ISP, an...
by otinkyad
Mon Nov 02, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: Any Metal Detector users have a recommendation for a first tool?
Replies: 14
Views: 1060

Re: Any Metal Detector users have a recommendation for a first tool?

I’ve asked a friend to put me out of my misery if he ever sees me with a metal detector on a beach. Hopefully he won’t find me in a moment of real need.
by otinkyad
Mon Nov 02, 2020 1:54 am
Forum: Personal Investments
Topic: Returns of Vanguard Target Enrollment 529 plans
Replies: 3
Views: 666

Re: Returns of Vanguard Target Enrollment 529 plans

You can decipher the pie charts on this page: https://investor.vanguard.com/529-plan/age-based-options They sent the following brochure to existing account owners, which has a nice numeric table: https://www.vanguard.com/pdf/529rogp.pdf The rollout was this weekend. There’s probably some kinks to ir...
by otinkyad
Sun Nov 01, 2020 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning questions - young family
Replies: 23
Views: 3306

Re: Estate planning questions - young family

The trustee should be capable of making reasonable decisions, but that can include knowing when and how to consult with a lawyer or accountant. We opted for full disbursement at 25. I’m not keen on running the show from the grave. We raise our kids the best we can and leave them in the hands of advi...
by otinkyad
Wed Oct 28, 2020 3:58 pm
Forum: Personal Investments
Topic: Vanguard’s new Target 529s
Replies: 5
Views: 431

Re: Vanguard’s new Target 529s

Swimmer wrote: Wed Oct 28, 2020 3:50 pm Wait. Wouldn’t the age 12-13 be even more aggressive?
Yeah, sorry, yes, it’s the other way around. You’ll get the Commencement fund (the 529 equivalent of TRF Income).
by otinkyad
Wed Oct 28, 2020 2:41 pm
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 439
Views: 27809

Re: What’s “your number” for each kid’s 529?

We received no aid whatsoever. Was not even worth filling out FAFSA. I always like to point out for others that this depends on the specific school, not your income. Some schools require FAFSA for merit aid, and some private schools will give some money even with an EFC that exceeds the cost of att...
by otinkyad
Wed Oct 28, 2020 2:28 pm
Forum: Personal Investments
Topic: Vanguard’s new Target 529s
Replies: 5
Views: 431

Re: Vanguard’s new Target 529s

Not true. If you’re in the conservative age-based investments, I think you’ll be moved to the age 12-13 fund (2026-2027, maybe?). The details are in the brochure they sent out.
by otinkyad
Wed Oct 28, 2020 2:24 pm
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 439
Views: 27809

Re: What’s “your number” for each kid’s 529?

We received no aid whatsoever. Was not even worth filling out FAFSA. I always like to point out for others that this depends on the specific school, not your income. Some schools require FAFSA for merit aid, and some private schools will give some money even with an EFC that exceeds the cost of att...
by otinkyad
Wed Oct 28, 2020 1:50 pm
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 439
Views: 27809

Re: What’s “your number” for each kid’s 529?

We aimed to contribute until we got to the full cost of attendance at an in-state flagship, which was $120k when we stopped at about age 12. We ended up with $175k, and DS went to a school currently expected to cost $232k (with tuition increases and COVID-19 adjustments). 529s work best when you’re ...
by otinkyad
Mon Oct 26, 2020 3:20 am
Forum: Personal Consumer Issues
Topic: Apple music subscriptions: Am I off base here?
Replies: 16
Views: 1375

Re: Apple music subscriptions: Am I off base here?

College students are (mostly) adults, which changes the rules for marketing to them, and for business arrangements with schools. College students are targeted by all sorts of sweetener deals, many coordinated with their universities or affiliates (such as school-branded Barnes and Nobles). Minors ha...
by otinkyad
Sat Oct 24, 2020 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: College Merit Aid Question...
Replies: 51
Views: 3533

Re: College Merit Aid Question...

Last year, DS got $15-20k merit aid at OOS public schools, and $12-24k at private schools, with a 1480 SAT and 4.2 weighted GPA. Most of those were safeties, except the $12k, which was a reach. When I think back to my college experience, I always focus on the cost of attendance. No, wait, I hardly t...
by otinkyad
Fri Oct 23, 2020 11:44 pm
Forum: Investing - Theory, News & General
Topic: 7 Reasons Not to Use a 100% Stock Portfolio - The White Coat Investor
Replies: 200
Views: 13643

Re: 7 Reasons Not to Use a 100% Stock Portfolio - The White Coat Investor

When one makes $100k a year and has a $100k in stocks and that gets cut in half in 2008, it is not that big of a deal. When one has $1 million and it falls to $500k while still making the same $100k it makes a big difference. The blog post seemed silly, but this point makes sense to me. It was actu...
by otinkyad
Thu Oct 22, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: Help me plan a family trip to Italy - Two Weeks
Replies: 67
Views: 3867

Re: Help me plan a family trip to Italy - Two Weeks

After some additional deliberation we are adding a Naples day trip from Rome and a Cinque Terre day trip from Florence. That seems like sketchy deliberation. For Naples, it’s at least two hours on the train each way, so closer to six hours of round-trip travel. What are you planning to see in Naple...
by otinkyad
Wed Oct 21, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Union/Employer Limiting 401k contributions
Replies: 13
Views: 1549

Re: Union/Employer Limiting 401k contributions

You don’t even have to be an HCE. Some companies still limit contributions based on the pre-2001 limit of 25% of your salary. A friend recently made $15/hr and was limited to 15% of her salary.
by otinkyad
Tue Oct 20, 2020 1:32 pm
Forum: Personal Investments
Topic: best option for young (minors) children bank/brokerage accounts?
Replies: 15
Views: 1291

Re: best option for young (minors) children bank/brokerage accounts?

1) A savings account in their names at preferably a B&M bank/CU. Pros: Easy, no fees, has an "official" feel to it (eg. statements with their names on them that we can look at, a bank branch we can walk into to deposit/withdraw, maybe even a ledger to balance later on, etc...) Cons: Y...
by otinkyad
Sun Oct 18, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 234
Views: 14164

Re: Which diet soda pop do you enjoy?

Caffeine Free Diet Dr Pepper, another unofficial victim of the pandemic shortages, at least locally. I’m seizing the opportunity to switch to unsweetened, flavored and unflavored sparkling water. Waterloo Black Cherry is my current favorite.
by otinkyad
Sun Oct 18, 2020 3:40 pm
Forum: Personal Investments
Topic: At what age did you start moving into bonds?
Replies: 79
Views: 4668

Re: At what age did you start moving into bonds?

Mid-forties, about a year or two after our IPS triggers called for: $1m retirement savings and annual contributions below 7% of the total. I didn’t want to buy bonds, based on their underperformance in 20-year periods, so I waited a while, but five years later I’m at 77/23 on our planned glide path ...
by otinkyad
Sat Oct 17, 2020 9:38 pm
Forum: Personal Investments
Topic: New Vanguard investor: 3 questions(1. d/c'ing PAS 2. using Target retirement 3. whole life
Replies: 18
Views: 1425

Re: New Vanguard investor: 3 questions(1. d/c'ing PAS 2. using Target retirement 3. whole life

Would something like this work? His IRA: VFIFX Her IRA: VFIFX Taxable: VTI, VXUS The advantage to this setup is that I can automatically invest in the IRAs and will not need PAS to rebalance and I wouldn’t have to change the taxable. However as the taxable account grows, the overall percentage of e...
by otinkyad
Thu Oct 15, 2020 6:35 pm
Forum: Personal Investments
Topic: New Vanguard investor: 3 questions(1. d/c'ing PAS 2. using Target retirement 3. whole life
Replies: 18
Views: 1425

Re: New Vanguard investor: 3 questions(1. d/c'ing PAS 2. using Target retirement 3. whole life

How would you guys and gals handle it if it were you own accounts? The problem with that type of question here is that people think that riding a unicycle while juggling is easy, since there’s only one wheel and three clubs. Your choices are all fine. Optimizing 0.3% isn’t worth it. Your overall AA...
by otinkyad
Sun Oct 11, 2020 5:08 pm
Forum: Personal Investments
Topic: Critique draft proposal of fee-only advisor for elderly parents
Replies: 27
Views: 2254

Re: Critique draft proposal of fee-only advisor for elderly parents

I think the proposal is insane. It’s moving the needle too far, and has strange tilts, besides. It doesn’t seem like there’s lurking disaster, since he’s not asking much of the portfolio (2% a year at age 90). How much did he sell in March? If I wanted to stick my nose in, I wouldn’t suggest more th...
by otinkyad
Sat Oct 10, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: "Nice" furniture recommendations
Replies: 114
Views: 11199

Re: "Nice" furniture recommendations

Edit: I'd also add that we tend to prefer modern/minimalist styles, and we have a toddler, so durability to kids is important. Our current couch has visible bite marks :-) Toddlers gonna toddler. IKEA furniture can be durable. We have some Bonde pieces that are built like a rock. The coffee table s...
by otinkyad
Fri Oct 09, 2020 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 250
Views: 20770

Re: Is programming still a valuable skill to learn?

Count me as against the idea everyone needs to learn programming. If you expect to be semi-decent in programming and remember all the syntax rules and library calls, you should be programming at least 20 hours a week. Learning to program is one thing. Maintaining those skills if your job doesn't ma...
by otinkyad
Fri Oct 09, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rather be the richest or poorest person in town?
Replies: 109
Views: 8917

Re: Would you rather be the richest or poorest person in town?

What an odd thread, full of stereotypes. You are an individual and every place is different, regardless of it is a "town A" or "town B". Is there a point? Yes. I’m surprised so many people had clear opinions. It seems far too abstract for me. I don’t really know what “nice to lo...
by otinkyad
Fri Oct 09, 2020 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a career
Replies: 112
Views: 6937

Re: Choosing a career

I would encourage any career explorer to think of their possible options as a Venn diagram and focus on the overlap between “What I’m interested in and enjoy” and “What can lead to a comfortable living.” During an accepted students presentation for game design majors, the department chair said ther...
by otinkyad
Thu Oct 08, 2020 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 250
Views: 20770

Re: Is programming still a valuable skill to learn?

I always wonder why software work is even done here in US these days. The smooth implementation of pandemic work-from-home proves that it may be done practically anywhere in the world. If many Silicon Valley companies plan to continue relying on wfh for almost one more year, corporations realized t...
by otinkyad
Thu Oct 08, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 250
Views: 20770

Re: Is programming still a valuable skill to learn?

I always wonder why software work is even done here in US these days. The smooth implementation of pandemic work-from-home proves that it may be done practically anywhere in the world. If many Silicon Valley companies plan to continue relying on wfh for almost one more year, corporations realized t...
by otinkyad
Thu Oct 08, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Always check your bank statements
Replies: 37
Views: 4910

Re: Always check your bank statements

I’m a glancer. I balanced my accounts monthly for 20 years, and all of the errors I found were in my own tracking. I pay more attention to places where there’s more money, and if there is a problem I miss, I’m likely to have saved enough time to be OK with that. The frequent transaction places (cred...