Search found 183 matches

by GreendaleCC
Wed Apr 14, 2021 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 186
Views: 11881

Re: First child entering college in the fall... need some advice

At many (most?) of the top ranked schools, AP or community college credits earned while in high school will not translate to credits that can be applied to a bachelor's degree. They may satisfy a requirement for a lower level college course that is a gateway to a higher level course, but they will ...
by GreendaleCC
Wed Apr 14, 2021 12:08 am
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 186
Views: 11881

Re: First child entering college in the fall... need some advice

There are other ways to reduce the price of college. .... Take AP classes, a community college class in the Summer, and do whatever else it takes to guarantee graduating in 4 years (or less). At many (most?) of the top ranked schools, AP or community college credits earned while in high school will...
by GreendaleCC
Tue Apr 13, 2021 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 186
Views: 11881

Re: First child entering college in the fall... need some advice

There are other ways to reduce the price of college. .... Take AP classes, a community college class in the Summer, and do whatever else it takes to guarantee graduating in 4 years (or less). At many (most?) of the top ranked schools, AP or community college credits earned while in high school will...
by GreendaleCC
Tue Apr 13, 2021 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 186
Views: 11881

Re: First child entering college in the fall... need some advice

There are other ways to reduce the price of college. .... Take AP classes, a community college class in the Summer, and do whatever else it takes to guarantee graduating in 4 years (or less). At many (most?) of the top ranked schools, AP or community college credits earned while in high school will...
by GreendaleCC
Sun Apr 11, 2021 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 238
Views: 12029

Re: The primary factor for picking a College/University is out of pocket cost

Top 0.05% end up at West Point or Annapolis if military is an end goal...ok, I guess Colorado Springs as well. I agree, if you want to make the military a career, go to an academy. As a career officer and product of ROTC, I'll just say "ouch," and I think this is more myth than reality. L...
by GreendaleCC
Sun Apr 11, 2021 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice - College selection - Premed
Replies: 51
Views: 3014

Re: Seeking advice - College selection - Premed

Which majors is she considering to fulfill the pre-med requirements?
by GreendaleCC
Tue Apr 06, 2021 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: What is the expected percentage (raise) for a manager position?
Replies: 24
Views: 2271

Re: What is the expected percentage (raise) for a manager position?

Zero. If you take advantage of the opportunity, than the money will come later. At some Megacorps, the only real perk of moving into an entry level management position is that you will then be in the running for the "real" management positions. Do you have a background in HR? :D Only to t...
by GreendaleCC
Tue Apr 06, 2021 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Stepping back in career when wife is doing well?
Replies: 58
Views: 5545

Re: Stepping back in career when wife is doing well?

My wife and I are working with tech companies, in a mid-management role and we had total compensation of around $1.3m+ in 2020 ($550K for me and $750K+ for my spouse due to stock appreciation). Our household comp has been above $1m for the last two years and is expected to continue for the next 2-3...
by GreendaleCC
Sat Apr 03, 2021 6:22 pm
Forum: Personal Investments
Topic: Need a Fidelity International Index Fund for my 401k plan
Replies: 5
Views: 364

Re: Need a Fidelity International Index Fund for my 401k plan

Hello all, I'm brand new to bogleheads and finally getting my retirement plan improved. Finances make me really anxious, and confuses me so I'm planning to go with the three fund portfolio. :D I have a 401k with Fidelity and I'm planning to use the following (as suggested in wiki): FSKAX FXNAX But ...
by GreendaleCC
Fri Apr 02, 2021 9:59 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 183
Views: 34538

Re: Costco rotisserie chicken

The economy of scale really seems to work in Costco's favor on this product compared to a regular grocery store: starting with the volume that individual stores order so I'm sure they get excellent pricing Costco actually raises its own chickens now: https://www.cnn.com/2019/10/11/business/costco-5...
by GreendaleCC
Fri Apr 02, 2021 10:48 am
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 183
Views: 34538

Re: Costco rotisserie chicken

Where I live, Safeway grocery is going head-to-head with a $5 chicken. Anyone else seeing competition like this out there?
by GreendaleCC
Mon Mar 29, 2021 9:20 pm
Forum: Personal Consumer Issues
Topic: Tankless Water Heater - Struggling to Justify
Replies: 71
Views: 5910

Re: Tankless Water Heater - Struggling to Justify

I had a plumber come by that I like, he was strongly advocating tankless. $3200 installed (Rennai), with $700 rebate from the state. ($2500 effective). We bought a 199,000 BTU Tagaki high-efficiency, 10 GPM tankless heater from Amazon two years ago for <$1,100. Can't quote the installation cost, si...
by GreendaleCC
Sat Mar 27, 2021 6:39 pm
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8251

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

(3) Yes, “not easy” to compete, but if they are resourceful and motivated enough, I believe Math and Statistics majors can build a set of experiences in college that can lead to a software engineering position as a new grad . It’s not like we’re talking about a licensed engineering field here. See ...
by GreendaleCC
Sat Mar 27, 2021 5:43 pm
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8251

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

A bit about me: I have an engineering bachelors degree and a PhD in CS and recently retired early after a 25 year career, mostly working in AI. Rather than trying to get into a highly competitive undergraduate CS program, I would suggest a contrarian approach: get an applied math bachelors degree a...
by GreendaleCC
Sat Mar 27, 2021 3:36 pm
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8251

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

A bit about me: I have an engineering bachelors degree and a PhD in CS and recently retired early after a 25 year career, mostly working in AI. Rather than trying to get into a highly competitive undergraduate CS program, I would suggest a contrarian approach: get an applied math bachelors degree a...
by GreendaleCC
Fri Mar 26, 2021 10:23 pm
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8251

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

increment wrote: Fri Mar 26, 2021 1:27 pm
finite_difference wrote: Fri Mar 26, 2021 12:52 pm If you start out by taking CS classes first year and do well

Does the school in question even have seats in these mandatory CS courses for students outside the major?
Exactly.
by GreendaleCC
Wed Mar 24, 2021 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Need career suggestions for adult son
Replies: 72
Views: 6652

Re: Need career suggestions for adult son

What are the characteristics that we believe are right for a career (or 4 years) in the military? Off the top of my head, an artist is not the guy I'm picking. An athlete, ok. I disagree with your stereotypes about the military, unless by “military” what you *really mean* are the Army soldiers or M...
by GreendaleCC
Wed Mar 24, 2021 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Need career suggestions for adult son
Replies: 72
Views: 6652

Re: Need career suggestions for adult son

Take him to go see a military recruiter. Maybe something there would be interesting and get him on a career path. Please, no. Any elaboration? Ok, I'll take a shot. Why on Earth would we consider a person with artistic ability as being right for the military? No disrespect intended, but what does t...
by GreendaleCC
Tue Mar 23, 2021 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Need career suggestions for adult son
Replies: 72
Views: 6652

Re: Need career suggestions for adult son

navyasw02 wrote: Tue Mar 23, 2021 4:58 am Take him to go see a military recruiter. Maybe something there would be interesting and get him on a career path.
Please, no.
by GreendaleCC
Mon Mar 22, 2021 12:42 pm
Forum: Personal Investments
Topic: Lost all trust in Charles Schwab today
Replies: 5
Views: 2086

Re: Lost all trust in Charles Schwab today

Who knows? After maybe 30 minutes, I was able to get the trading sequence online to work. I assume it must've been a technology issue with their platform. I jumped onto their chat tool to express my disappointment with this experience.
by GreendaleCC
Mon Mar 22, 2021 12:39 pm
Forum: Personal Investments
Topic: Lost all trust in Charles Schwab today
Replies: 5
Views: 2086

Lost all trust in Charles Schwab today

This morning, the last remaining shares of my long-held ESPP position surpassed my target price. Unfortunately, Charles Schwab's website did not permit me to sell. Instead, each time I tried to "review trade," I repeatedly got a message saying that the trading feature for Equity Awards was...
by GreendaleCC
Sat Feb 13, 2021 5:27 pm
Forum: Personal Investments
Topic: CA HSA and FUAMX (Fidelity Intermediate Treasury)
Replies: 18
Views: 1298

Re: CA HSA and FUAMX (Fidelity Intermediate Treasury)

I, too, was disappointed to see what FUAMX did. If I'm going to have to file the state adjustment, I might as well put VTI in there. No more treasury funds in the good ol' HSA now.

Yes, I could set up individual treasuries with auto-roll, but no, I don't need more fixed income.
by GreendaleCC
Sat Feb 13, 2021 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise tax burden: Extra pay periods normal every few years?
Replies: 5
Views: 507

Re: Surprise tax burden: Extra pay periods normal every few years?

Googling "26 or 27 pay days in a year": Why the extra payday in some years? We think of the calendar year as being 52 weeks, but it's actually 52.1786 weeks.1 For bi-weekly payments (every other week), it's 26.0893, not just 26. In some years, the additional fractions add up to create an e...
by GreendaleCC
Sat Feb 13, 2021 2:46 pm
Forum: Personal Investments
Topic: Fund selection - VTI comparable
Replies: 16
Views: 971

Re: Fund selection - VTI comparable

SPTM (SPDR Portfolio S&P 1500 Composite Stock Market ETF) - tracks a market-cap-weighted index selected by the S&P Committee that covers the entire US market cap spectrum. This is what you're looking for.

The Large Cap fund you flagged also sounds good.
by GreendaleCC
Sat Feb 13, 2021 2:41 pm
Forum: Personal Investments
Topic: TX 529
Replies: 6
Views: 448

Re: TX 529

Please note I will still have investment income in IL for the next 3-4 years so will be filing an IL return over that period and will be able to take advantage of the 529 contribution deduction in IL Given the lack of a TX tax deduction, it seems like you've answered your question with this :happy
by GreendaleCC
Tue Feb 09, 2021 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Another backdoor Roth mistake
Replies: 7
Views: 806

Re: Another backdoor Roth mistake

Everyone is glossing over the facts that the OP said there is a Traditional IRA already in the mix. If he chooses to "recharacterize" this contribution, it means he is adding non-deductible contributions to the Traditional IRA. Consequently, any Roth conversion would be pro-rata. It *will...
by GreendaleCC
Tue Feb 09, 2021 11:02 pm
Forum: Personal Investments
Topic: Massive Windfall For 35 Year Old Guy
Replies: 95
Views: 12552

Re: Massive Windfall For 35 Year Old Guy

The ETF for this fund is VXUS (0.08% ER). Oh, interesting. You're correct, I was wrong. I'm very confused by this. VTIAX, VXUS and VGTSX are all the Vanguard Total International Stock Index Fund, but one is Admiral shares, one is ETF shares and one is Investor shares. I'm having a hard time underst...
by GreendaleCC
Mon Feb 08, 2021 10:12 pm
Forum: Personal Consumer Issues
Topic: Can you get a job from taking a "Coding Bootcamp"?
Replies: 63
Views: 5187

Re: Can you get a job from taking a "Coding Bootcamp"?

Has he thought about transitioning into a (customer-facing) technical trainer or technical curriculum developer role at a software company? Interesting idea. I don't know though, he didn't actually LIKE physics, even though he was smart enough to do it easily. Any companies you were thinking of in ...
by GreendaleCC
Mon Feb 08, 2021 10:04 pm
Forum: Personal Investments
Topic: Massive Windfall For 35 Year Old Guy
Replies: 95
Views: 12552

Re: Massive Windfall For 35 Year Old Guy

FIREGuy88 wrote: Mon Feb 08, 2021 9:43 pm
Cycle wrote: Mon Feb 08, 2021 9:35 pm I'd probably do the etf version of those funds for portability, the er on the int fund is probably lower too.
No, the expense ratios on the ETF is higher (VGTSX at .17%) than this one (VTIAX at .11%). And I don't understand why portability matters.
The ETF for this fund is VXUS (0.08% ER).
by GreendaleCC
Sat Feb 06, 2021 11:37 pm
Forum: Personal Consumer Issues
Topic: Can you get a job from taking a "Coding Bootcamp"?
Replies: 63
Views: 5187

Re: Can you get a job from taking a "Coding Bootcamp"?

Has he thought about transitioning into a (customer-facing) technical trainer or technical curriculum developer role at a software company?
by GreendaleCC
Sat Feb 06, 2021 5:18 pm
Forum: Personal Investments
Topic: Excess IRA contribution problem (Backdoor Roth)
Replies: 3
Views: 226

Re: Excess IRA contribution problem (Backdoor Roth)

I think I see the error in my ways.

The recharacterization was not a $3,021 contribution; it was a $3,000 contribution.
by GreendaleCC
Sat Feb 06, 2021 4:11 pm
Forum: Personal Investments
Topic: Excess IRA contribution problem (Backdoor Roth)
Replies: 3
Views: 226

Excess IRA contribution problem (Backdoor Roth)

TurboTax is not cooperating with my backdoor Roth IRA situation for 2020. What's the recommended solution here? Thanks in advance! Transactions $3,000 nondeductible contribution to traditional IRA -> converted to Roth IRA $3,000 Roth IRA contribution (mistake) -> recharacterized $3,021 to (nondeduct...
by GreendaleCC
Sat Feb 06, 2021 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12601

Re: Motivate Graduating HS Sr to Start Life - facing an uphill climb

Oh, I get it. It’s just personally hard to relate to. At no time growing up did I picture living at home after high school. But, everyone is different. For me, straight to college, then assigned an AFSC 4 years later :wink: I would have trouble kicking either of my kids out at 18, but I also feel p...
by GreendaleCC
Sun Jan 31, 2021 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12601

Re: Motivate Graduating HS Sr to Start Life - facing an uphill climb

Our oldest is 18, will graduate in a few months: - Not particularly interested in college, hasn't filled out any applications, didn't study for his SAT. Nonetheless will likely end up going somewhere but mostly because he hasn't taken steps toward anything else either. - He's @ 50th percentile in h...
by GreendaleCC
Sun Jan 31, 2021 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Home buying marathon
Replies: 43
Views: 4787

Re: Home buying marathon

Much like the hidden job market, I would try to gain visibility into off-market sales through realtors to avoid the bidding wars.
by GreendaleCC
Sun Jan 31, 2021 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12601

Re: College financial aid - facing an uphill climb

Did consider the local community college, but turns out we don't live close enough (although just 20min away) and thus the cost is actually more than attending a 4-year college! The service area is large but the "in district" is much smaller. https://www.austincc.edu/about-acc/acc-distric...
by GreendaleCC
Sun Jan 31, 2021 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12601

Re: Motivate Graduating HS Sr to Start Life - facing an uphill climb

Our oldest is 18, will graduate in a few months: - Not particularly interested in college, hasn't filled out any applications, didn't study for his SAT. Nonetheless will likely end up going somewhere but mostly because he hasn't taken steps toward anything else either. - He's @ 50th percentile in h...
by GreendaleCC
Sun Jan 31, 2021 11:38 am
Forum: Personal Finance (Not Investing)
Topic: promotion without salary increase
Replies: 81
Views: 7734

Re: promotion without salary increase

And the whole group has been promoted to director level, including people who joined last year and people who have less experience than me. That's not really a promotion then is it? I agree, and would be looking to see what other opportunities are out there in your area. If you’ve been getting typi...
by GreendaleCC
Tue Jan 26, 2021 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for a mid-30s humanities graduate student
Replies: 127
Views: 9926

Re: Advice for a mid-30s humanities graduate student

Oh, my. You are facing a really hard decision. Having tried the adjunct route for a year when I was between "real jobs" some time ago, I would heartily discourage you from going down this route. Poor pay, lack of respect from your TT colleagues, instability, and so forth. About TT jobs --...
by GreendaleCC
Mon Jan 25, 2021 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Advice for a mid-30s humanities graduate student
Replies: 127
Views: 9926

Re: Advice for a mid-30s humanities graduate student

Well, my hypothesis is that someone who completes a bona fide Ph.D. (i.e., real, meaningful original scholarship in a reputable program) is among society's elite in terms of intellect, motivation, and work ethic. The fact that the academic job market (which is run by other Ph.D.-holders) no longer ...
by GreendaleCC
Sun Jan 24, 2021 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for a mid-30s humanities graduate student
Replies: 127
Views: 9926

Re: Advice for a mid-30s humanities graduate student

You might also consider law school. Most graduates of top-14 law schools can get a job at a large law firm that starts at $190K per year, which would justify the debt you would incur. You would need to do well on the LSAT (which as an academic you might be able to pull off) and you would want to do...
by GreendaleCC
Sun Jan 24, 2021 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for a mid-30s humanities graduate student
Replies: 127
Views: 9926

Re: Advice for a mid-30s humanities graduate student

To me it seems reasonable to try to figure out some kind of small business you could run; whatever it might be. Being a landlord. Operating an e-commerce business. Creating a useful website. Doing web design for others. Reviewing documents or drafting papers for a lawyer. Providing support (such as...
by GreendaleCC
Sun Jan 24, 2021 12:21 am
Forum: Investing - Theory, News & General
Topic: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)
Replies: 50
Views: 7284

Re: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)

ResearchMed wrote: Sat Jan 23, 2021 11:32 pm
GreendaleCC wrote: Sat Jan 23, 2021 11:14 pm What happens if you just apply here?

https://www.primecap.com/how-to-invest/
Does going directly through PRIMECAP allow one to start an investment in a fund that is closed to new investors?
I didn't realize that.

RM
I have no idea what the implications of this “application” are.
by GreendaleCC
Sat Jan 23, 2021 11:28 pm
Forum: Personal Investments
Topic: Fixed Income Choices - What Would You Choose in My Shoes?
Replies: 11
Views: 999

Re: Fixed Income Choices - What Would You Choose in My Shoes?

EVD - Long bonds BND - The reigning champion Stable Value Fund in 401K - ~2.25 yield (0.15) Given that both EVD and BND are yielding well under 2.25% right now, I would stick with the Stable Value fund, at least until the other options start yielding more. +1 If there's somethin' strange In your ne...
by GreendaleCC
Tue Jan 19, 2021 11:50 pm
Forum: Personal Consumer Issues
Topic: HBOMax Has Me Confused
Replies: 35
Views: 3531

Re: HBOMax Has Me Confused

Small Law Survivor wrote: Tue Jan 19, 2021 6:17 pm The Roku Express does not come with an HDMI cable, so I'll need to get that to plug it in to the TV.
It seems weird that yours didn’t come with the HDMI cord. Anyway, Amazon can solve that for a few dollars.
by GreendaleCC
Wed Jan 13, 2021 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Where to go with marketing my DW's B2C professional services business
Replies: 2
Views: 223

Re: Where to go with marketing my DW's B2C professional services business

How many customers are referrals? If it’s a low percentage, perhaps it’s worth figuring out to encourage satisfied customers to send new business her way.
by GreendaleCC
Sun Jan 10, 2021 1:29 pm
Forum: Personal Investments
Topic: 2.5% Margin for ETFs
Replies: 14
Views: 1059

Re: 2.5% Margin for ETFs

Not recommended