Search found 515 matches

by Chris
Wed Sep 20, 2017 4:20 pm
Forum: Money Questions
Topic: Non-qualified dividends
Replies: 2
Views: 171

Re: Non-qualified dividends

Quantum Online maintains a list of preferred stock that pay qualified dividends. Generally, if the issuing entity is organized as a corporation, their preferred also pays a qualified dividend. I've not seen the common stock of an ordinary corporation pay out a regular dividend that was not qualifie...
by Chris
Tue Sep 19, 2017 11:37 am
Forum: Lifestyle Questions
Topic: Mail forwarding service? Changing addresses?
Replies: 3
Views: 140

Re: Mail forwarding service? Changing addresses?

I use a PO box primarily for this reason. It is not free, but is convenient. No worries about mail or packages piling up.

But moving as much correspondence from paper -> electronic will minimize your hassle.
by Chris
Fri Sep 15, 2017 1:28 pm
Forum: Lifestyle Questions
Topic: What metrics do you keep on yourself, or your daily practices?
Replies: 19
Views: 1152

Re: What metrics do you keep on yourself, or your daily practices?

I have a distaste for waste, so I track consumption: spending ($), electricity (KWh), gas (gallons), trash (bags) The last one was added this year. By minimizing food waste and packaging, I assumed my non-recyclable trash production was already low. But I didn't know for sure, hence the tracking. Up...
by Chris
Mon Sep 11, 2017 3:53 pm
Forum: Money Questions
Topic: Equifax hack
Replies: 32
Views: 1938

Re: Equifax hack

Not sure there is any good remediation you can do for this. The monitoring that Equifax is offering is probably worthless (how much do you trust Equifax at this point?). Since consumers aren't liable for fraudulent CC charges, I wouldn't change any CC numbers just yet. A credit freeze is ok, since i...
by Chris
Sun Sep 10, 2017 9:40 pm
Forum: Money Questions
Topic: How to compute shipping costs when selling clothes on eBay
Replies: 6
Views: 495

Re: How to compute shipping costs when selling clothes on eBay

The best/cheapest way to ship clothes seems to be in one of those grey plastic/poly bags. I can weigh it ... but the proper dimensions elude me since it's essentially a soft "bag". It's thicker than 3/4" so not a letter, therefore a package? Yes, it's a package. Dimensions only matter if the packag...
by Chris
Sun Sep 10, 2017 9:36 pm
Forum: Transportation Questions
Topic: Rapidly Changing Automotive Technology
Replies: 20
Views: 1461

Re: Rapidly Changing Automotive Technology

I personally think a lot of the new "safety" features in cars (adaptive speed control, lane change warnings, collision avoidance, etc) will end up the same way. They sound great on the surface, but actually encourage people to adopt unsafe behaviors while assuming the technology will be the respons...
by Chris
Tue Sep 05, 2017 8:33 pm
Forum: Transportation Questions
Topic: Citi Bike for NYC Commute?
Replies: 13
Views: 480

Re: Citi Bike for NYC Commute?

Smashter wrote:
Tue Sep 05, 2017 3:56 pm
Time to research.
Researching folding bikes: one of the deepest rabbit holes on the interwebs.


Prior forum topic:

https://forum.earlyretirementextreme.co ... =15&t=3430
by Chris
Fri Sep 01, 2017 2:54 pm
Forum: Housing Questions
Topic: Are your flood plans adequate?
Replies: 28
Views: 1650

Re: Are your flood plans adequate?

Jean wrote:
Thu Aug 31, 2017 7:39 pm
But why not build on pillars?
Raising a house is expensive, so people will generally only do it if there is a high likelihood of flooding (some beach houses) or if the economics make sense (insurance cost). More property owners have been doing this since Katrina and Sandy.
by Chris
Wed Aug 30, 2017 3:46 pm
Forum: Money Questions
Topic: Who Here Uses DRIPs?
Replies: 11
Views: 746

Re: Who Here Uses DRIPs?

Many discount brokers also offer free automatic dividend reinvestment: https://www.brokerage-review.com/discou ... okers.aspx
by Chris
Fri Aug 25, 2017 3:40 pm
Forum: Friends & Family Questions
Topic: Economic insecurity
Replies: 12
Views: 1589

Re: Economic insecurity

I have started talking about financial matters with him before. Doesnt seem to have sunk in though. Maybe find a new angle. Maybe keep it simple: start working Mondays to get the car fixed = less stress overall Also explain how Social Security works. Higher-earning working years will result in larg...
by Chris
Wed Aug 23, 2017 8:10 am
Forum: Work & Education
Topic: Using FU Money to Renegotiate Job Responsibilities
Replies: 9
Views: 1053

Re: Using FU Money to Renegotiate Job Responsibilities

It's normal for executive-level workers to add additional responsibilities to promote their career growth. And to drop these responsibilities as they move on. I would try telling your boss that you want to add some other responsibility (closer to your core function) and shed the unwanted responsibil...
by Chris
Wed Aug 02, 2017 3:22 pm
Forum: Money Questions
Topic: First paycheck - You won't BELIEVE the taxes! Tax optimization?
Replies: 34
Views: 2148

Re: First paycheck - You won't BELIEVE the taxes! Tax optimization?

Hang on for the NYS tax cut coming in 2018 (6.45% bracket drops to 6.33%).
by Chris
Wed Jul 19, 2017 12:43 am
Forum: Health Questions
Topic: Pectus Excavatum
Replies: 10
Views: 506

Re: Pectus Excavatum

I refer to it as "the dent". Never really felt self-conscious about it. In fact, it wasn't until the doctor told me that people feel self-conscious about it that I'd considered that possibility. The male chest I look at the most is my own, so I consider it normal. Growing up, I didn't get any commen...
by Chris
Sat Jul 15, 2017 3:44 pm
Forum: Money Questions
Topic: Umbrella insurance
Replies: 7
Views: 576

Re: Umbrella insurance

It's a good thing to think about. You should be pretty low-risk, since you don't own a lot of things that are likely to injure people. I assume your biggest concern is against some random personal lawsuit, which is a risk because, hey, this is America. FWIW, assets in retirement accounts are protect...
by Chris
Mon Jul 10, 2017 12:46 pm
Forum: Money Questions
Topic: Best bank to open a checking and savings?
Replies: 7
Views: 536

Re: Best bank to open a checking and savings?

The current Chase banking offer isn't that appealing to me. For savings, after 90 days, you get a $200 bonus for depositing $15k. But you need to keep the money in for at least 6 months, or they deduct the bonus. For those 6 months, you have $15k of immovable money earning .01% interest. The current...
by Chris
Sun Jul 09, 2017 8:35 pm
Forum: ERE Journals
Topic: m741's ERE Journal
Replies: 552
Views: 78779

Re: m741's ERE Journal

I've also hit my spending goals on the two new credit cards. Truth be told, I wasn't a huge fan of doing this, my target was $4k in non-rent spending over 3 months, and even paying for joint purchases with the gf and letting her transfer me money (she doesn't have a rewards card), it was tough to h...
by Chris
Sun Jul 09, 2017 8:23 pm
Forum: Lifestyle Questions
Topic: Personal quality and satisfaction of life compared to "best in class"-countries
Replies: 14
Views: 1202

Re: Personal quality and satisfaction of life compared to "best in class"-countries

Are you also interested in such indeces, studies, papers? In terms of using it to find a place to live? Not really. Considering the difficulty in accurately scoring a single metric, attempts to score countries on a complex metric seems impossible. For example, even just ranking US states by tax bur...
by Chris
Sat Jul 08, 2017 4:54 pm
Forum: Resources & Recommended Reading
Topic: Translation Dictionary of Idioms
Replies: 8
Views: 604

Re: Translation Dictionary of Idioms

It's won't be complete, but Wiktionary might be helpful: https://en.wiktionary.org/wiki/hot_potato
by Chris
Thu Jul 06, 2017 10:48 pm
Forum: Money Questions
Topic: Taxing Investment Income to fund
Replies: 17
Views: 889

Re: Taxing Investment Income to fund

There's a reason why the NII tax only applies to income levels north of ~$200k: because it would otherwise hit a lot of retired senior citizens. And seniors are the strongest voting bloc. This is why I like qualified dividends, because the likelihood of a tax change is low thanks to a horde of angry...
by Chris
Mon Jul 03, 2017 4:04 pm
Forum: ERE Journals
Topic: ScriptBunny Journal II
Replies: 34
Views: 16365

Re: ScriptBunny Journal II: June 2017

Safety net. A couple weeks ago, my folks helpfully informed me that I'll be sending $1000/month to a relative, possibly for the next year. I'm exaggerating some, they asked and were grateful. But it was expected I'd say yes. Like donations, I will not be including these in my spending updates. Theo...
by Chris
Mon Jun 12, 2017 8:43 am
Forum: ERE Journals
Topic: fuyu's journal
Replies: 36
Views: 6173

Re: fuyu's journal

If you're working from home full time, what difference is there between "working from home in New York" and "working from home in Boston"? What would happen if you moved to Boston and just didn't go into the office? If it hasn't come across already, I rarely ask my manager for things beforehand (-: ...
by Chris
Sun May 14, 2017 9:26 pm
Forum: DIY Skills Questions
Topic: Encryption
Replies: 10
Views: 1060

Re: Encryption

If the sites you frequent use HTTPS, the content is encrypted.

The name resolution (DNS) is not encrypted though, and is probably handled by your internet provider. So that would mean they'd know which sites you visit, but not the content (if transmitted by HTTPS).
by Chris
Sat May 13, 2017 11:05 pm
Forum: ERE Journals
Topic: m741's ERE Journal
Replies: 552
Views: 78779

Re: m741's ERE Journal

Not that it's a big deal, but you can't write off donations unless you itemize deductions. I don't think you have a mortgage or property taxes, in which case it's usually hard to hit the itemization threshold unless you have significant charitable donations. True in a lot of the country, but not in...
by Chris
Thu May 11, 2017 8:22 am
Forum: Money Questions
Topic: Semi-sophisticated Scam?
Replies: 5
Views: 661

Re: Semi-sophisticated Scam?

IlliniDave wrote:
Thu May 11, 2017 6:59 am
Yesterday while at work I got a text message from an odd number, 220-00, saying "Your Google verification code is [a six-digit number]".
Yup, I got one of those last week.
by Chris
Fri May 05, 2017 9:13 pm
Forum: ERE Journals
Topic: ScriptBunny Journal II
Replies: 34
Views: 16365

Re: ScriptBunny Journal II: April 2017

I’ve also realized reading lots of pilots how few that I’ve liked. Even for series I’ve liked I’ve found first episodes to be utterly forgettable. Any recommendations for good first episodes out there? Yeah, even for series I like, pilots usually are lame. Sometimes if I didn't jump in at a later e...