Bogleheads.org

GreendaleCC

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 ...

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

Which majors is she considering to fulfill the pre-med requirements?

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

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 ...

GreendaleCC

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...

GreendaleCC

Where I live, Safeway grocery is going head-to-head with a $5 chicken. Anyone else seeing competition like this out there?

GreendaleCC

There’s still W-2 income from a qualified ESPP sale.

https://fairmark.com/compensation-stock ... reporting/

GreendaleCC

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...

GreendaleCC

(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 ...

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

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.

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

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.

GreendaleCC

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.

GreendaleCC

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...

GreendaleCC

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.

GreendaleCC

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...

GreendaleCC

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.

GreendaleCC

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

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

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 ...

GreendaleCC

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).

GreendaleCC

Has he thought about transitioning into a (customer-facing) technical trainer or technical curriculum developer role at a software company?

GreendaleCC

I think I see the error in my ways.

The recharacterization was not a $3,021 contribution; it was a $3,000 contribution.

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

Much like the hidden job market, I would try to gain visibility into off-market sales through realtors to avoid the bidding wars.

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

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 --...

GreendaleCC

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 ...

GreendaleCC

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...

GreendaleCC

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...

GreendaleCC

Why Elk Grove?

GreendaleCC

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.

GreendaleCC

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...

GreendaleCC

What happens if you just apply here?

https://www.primecap.com/how-to-invest/

GreendaleCC

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.

GreendaleCC

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.

GreendaleCC

Not recommended

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