Search found 977 matches

by Scott 2
Tue Feb 20, 2018 11:48 pm
Forum: ERE Journals
Topic: What I Spend
Replies: 51
Views: 4265

Re: What I Spend

The fitbit is great. The metrics on sleep, heart rate and activity are exactly what I was looking for. Work stress is up. Lots of uncertainty and increased responsibility. Spending is up. Pay is not. I am doing my best to patient and accommodating. Membership at the fancy gym is worth the price. I d...
by Scott 2
Fri Feb 16, 2018 11:22 pm
Forum: ERE Journals
Topic: Fox's Journey: Out of the Burrow
Replies: 347
Views: 36312

Re: Fox's Journey: Out of the Burrow

2 jobs + grad school + food shelter + relationships + dental care sounds like a lot. Do you use a google calendar or planner to model the days? How do you know it all fits?
by Scott 2
Tue Feb 13, 2018 9:09 am
Forum: Resources & Recommended Reading
Topic: The Fighter's Mind: Inside the Mental Game
Replies: 1
Views: 181

Re: The Fighter's Mind: Inside the Mental Game

MMA is the only sport I pay attention to. I'm not even sure I'd call it a sport. The unpredictable test of wills makes a very compelling story. It's also a good visual demonstration of what the need to be "alpha" leads to. Early seasons of TUF held my interest, because the perspectives of the fighte...
by Scott 2
Wed Feb 07, 2018 2:04 pm
Forum: Miscellaneous
Topic: Let's talk about the Fire Service
Replies: 36
Views: 1737

Re: Let's talk about the Fire Service

I never lived someplace without 24/7, full time, fire protection service. I assumed it was everywhere.
by Scott 2
Wed Feb 07, 2018 8:44 am
Forum: Money Questions
Topic: Anti-Index Fund Literature
Replies: 39
Views: 1786

Re: Anti-Index Fund Literature

The investing blog post is recommending self study of what's essentially a minor in finance, followed by years of practical experience applying that education. Along the way, I picked up a recommendation for the book Investment Science by David Luenberger. I believe it was here. I read it. The math ...
by Scott 2
Mon Feb 05, 2018 8:08 pm
Forum: Money Questions
Topic: Help me get started on my taxes? :D
Replies: 14
Views: 565

Re: Help me get started on my taxes? :D

That older thread is good, thanks JP.
by Scott 2
Mon Feb 05, 2018 8:06 pm
Forum: ERE Journals
Topic: Fox's Journey: Out of the Burrow
Replies: 347
Views: 36312

Re: Fox's Journey: Out of the Burrow

How does volunteering at a food shelter lead to $0 food expenses? Isn't that food for the needy?
by Scott 2
Mon Feb 05, 2018 12:53 pm
Forum: Money Questions
Topic: Library fines and overdue books
Replies: 5
Views: 379

Re: Library fines and overdue books

My wife is a heavy user of the library. A few years ago, that late fee more than doubled, from ten cents a day to twenty five. She's gone almost exclusively to e-books as a result. Sometimes life gets in the way. Paying a couple bucks a day for a bag of books sucks.
by Scott 2
Sun Feb 04, 2018 3:32 pm
Forum: Money Questions
Topic: Help me get started on my taxes? :D
Replies: 14
Views: 565

Re: Help me get started on my taxes? :D

Thanks for the clarification. With taxes being by far my biggest expense, I am interested in savings opportunities.

My financial life is relatively simple these days,we don't even itemize any more. I think I've picked up the details hand calculating would provide.
by Scott 2
Sun Feb 04, 2018 12:20 pm
Forum: Money Questions
Topic: Help me determine the best way to sell some assets?
Replies: 8
Views: 436

Re: Help me determine the best way to sell some assets?

Roth contributions have an annual cap because the tax benefits are pretty sweet. You generally don't want to drain that account down unless you absolutely have to, because you cannot get the tax advantaged dollars back.

I'd sell from taxable. What to own is a question for someone smarter than me.
by Scott 2
Sun Feb 04, 2018 12:16 pm
Forum: Money Questions
Topic: Help me get started on my taxes? :D
Replies: 14
Views: 565

Re: Help me get started on my taxes? :D

What are you finding by hand that Turbo Tax doesn't? I've always clicked through the Turbo Tax prompts, as fast as I can. It's a race! The worst part is gathering all the forms. After that, an hour or two for data input and verification. I like the time savings, easy filing, carry forward of data ye...
by Scott 2
Sun Feb 04, 2018 10:49 am
Forum: Money Questions
Topic: Is It Just Me or Do HSAs Suck?
Replies: 20
Views: 1066

Re: Is It Just Me or Do HSAs Suck?

I think there's a balance between optimal returns and minimal hassle to be considered. My insurance deductible is $2800, max out of pocket per person is $3500. I have $9k setup as the cash ceiling in my account. Now that I finally sorted investing via Ameritrade, I might lower it, but it's not a rus...
by Scott 2
Sun Feb 04, 2018 10:41 am
Forum: Friends & Family Questions
Topic: Expensive dinners and drinks with friends
Replies: 14
Views: 1481

Re: Expensive dinners and drinks with friends

I wouldn't try to make the experience something it's not. I think if you want to play their games, you need to pay.

You can offer some of your games and see if anyone bites.
by Scott 2
Sat Feb 03, 2018 9:38 am
Forum: Money Questions
Topic: Is It Just Me or Do HSAs Suck?
Replies: 20
Views: 1066

Re: Is It Just Me or Do HSAs Suck?

HSA bank waives the monthly fee if you keep $5000 in cash. It is $2.50 a month otherwise. They do charge $25 to buy a vanguard mutual fund. I think the Vanguard ETFs are 6.95. The commission-free ETFs seem to have mixed reviews. I'm not an expert, and the account doesn't hold enough money to warrant...
by Scott 2
Thu Feb 01, 2018 8:03 pm
Forum: ERE Journals
Topic: What I Spend
Replies: 51
Views: 4265

Re: What I Spend

I may have spoke too soon on work. As of today, my boss is gone. Ugh.
by Scott 2
Thu Feb 01, 2018 7:56 pm
Forum: Lifestyle Questions
Topic: Thoughts about respectability
Replies: 26
Views: 1472

Re: Thoughts about respectability

Needing money definitely complicates the problem.

What's the quote? "Learn to live on lentils and you will not have to be subservient to the king."

In my experience, totally worth it.
by Scott 2
Wed Jan 31, 2018 9:00 pm
Forum: Lifestyle Questions
Topic: Thoughts about respectability
Replies: 26
Views: 1472

Re: Thoughts about respectability

Respect from who? Society is an aggregate of individuals. Each person values different traits. Group them into classes for simplicity, but you still have to pick a target audience.

Or be the person you enjoy, then seek those who respect you. That's what I'm going with.
by Scott 2
Wed Jan 31, 2018 8:47 pm
Forum: Work & Education
Topic: Online Master's Degree?
Replies: 11
Views: 533

Re: Online Master's Degree?

I'd much rather create a life I don't want to retire from~ Yes. Far better than a high score. My concern with an online degree program would be connections. Do I meet enough people in the field to have good opportunities when I graduate? Face to face experience could also be relevant, for those in ...
by Scott 2
Wed Jan 31, 2018 8:34 pm
Forum: ERE Journals
Topic: What I Spend
Replies: 51
Views: 4265

Re: What I Spend

January 2018 Total - $1284 of $1038-$1238 budget Good – Acted on a variety of strategic level monetary tasks. Health is good. 2018 tax cuts cover my new, higher expenses. Bad – Pruned expenses found their way back, with stronger justification. Next Month - $1400 target. I finally beat a residual co...
by Scott 2
Wed Jan 31, 2018 1:17 am
Forum: Money Questions
Topic: Is It Just Me or Do HSAs Suck?
Replies: 20
Views: 1066

Re: Is It Just Me or Do HSAs Suck?

The vendors definitely vary. HSA bank was among the more completive last time I looked. The tax advantages alone make the fees worth it for me. I think of it as a supplement to my 401k / IRA. I can see if you get into a low enough tax bracket that this might not be the case. My employer kicks in $10...
by Scott 2
Tue Jan 30, 2018 11:34 am
Forum: DIY Skills Questions
Topic: Best coding to learn?
Replies: 30
Views: 1474

Re: Best coding to learn?

You can tell the programmers in this thread who do it for a living. They are the ones recommending a program someone else has already written.

Laziest bunch you'll ever find :)

It's the only way to keep up.
by Scott 2
Mon Jan 29, 2018 11:42 am
Forum: DIY Skills Questions
Topic: Best coding to learn?
Replies: 30
Views: 1474

Re: Best coding to learn?

You don't need to be able to program to create a website these days. Many good turnkey solutions out there.

The principles transfer across languages. I'd get started with whatever draws your interest and take it from there.
by Scott 2
Sun Jan 28, 2018 4:34 pm
Forum: ERE Journals
Topic: Fish's Enlightenment
Replies: 42
Views: 4401

Re: Fish's Enlightenment

My work has been bringing in more experts as the company grows. I have been thoroughly disappointed at what the standard is for expert. I wouldn't be surprised if your experience plus that 50-100 hours of reading a year, is more than enough to lead the way. Part of leading is knowing enough to lever...
by Scott 2
Sat Jan 27, 2018 4:33 pm
Forum: Miscellaneous
Topic: Any potential downsides to Amazon Go?
Replies: 16
Views: 875

Re: Any potential downsides to Amazon Go?

That's a good point - a retailer selling expensive products like Coach bags or high end audio equipment is not going to benefit from something like this.

I was thinking more in terms of grocery sales. The type of person who will pay $4 for an organic avocado might pay $5 to avoid the checkout line.
by Scott 2
Sat Jan 27, 2018 4:29 pm
Forum: Work & Education
Topic: Increase job market resilience and optimize beyond money
Replies: 8
Views: 748

Re: Increase job market resilience and optimize beyond money

There's a meta level to those internal processes. As you grow your career, you move from learning them, to teaching them, to defining them, to teaching others to define them. It's up to you to decide where on that ladder to work. In other words, at higher levels, the puzzle is not what to do, but ho...