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  1. bUU

    Switching from Android to iPad - What should I know?

    We are considering our next tablet purchase. I've been using a Google Pixel C. Less that three years in (four years really - it was a refurb), the screen has failed. (The bottom half dances back and forth continuously.) This tablet has been disappointing from the start. It locked up regularly...
  2. bUU

    Who provides valuable services for $250K, $500K, $1M? - Fidelity vs Schwab vs X

    This is something I need to think more about, however, I'm worried about losing whatever benefit might be forthcoming once we roll 401ks from w*rk into IRAs at Fidelity and/or Schwab. What valuable benefits (if any, and something more than just free TurboTax) do the two companies offer their...
  3. bUU

    Smartphones

    I know some folks like to promote the idea that smartphones aren't necessary, but let's put that aside. Let's say they are, and specifically let's say that the needs are such that it has to be Verizon. Let's say that there are inviolable needs that include the things like Google Pay at POS...
  4. bUU

    Megacorp's New Trick: Training Compression

    As time goes on I've noticed a really distinct trend in professional training. Keep in mind that the purchaser for most professional training in the employer. Sure, many people pay for their own training, but much Megacorp professional development is training offered in-house, or is training...
  5. bUU

    L.L.Bean (finally) Truncates its Guarantee

    When Gorman talking about "increasingly" he's being polite. It's been going on for decades. I haven't checked but I wonder if the abuse has gotten so rampant that it shows up on the balance sheet as a recurring liability now. But you know that there are some people who are going to yell and...
  6. bUU

    Sell Me on Fidelity rather than Vanguard

    Full Disclosure: We already have both a brokerage account at Fidelity and a mutual fund account at Vanguard, and we're happy with that. So this isn't as much an either/or question but rather a question about whether it matters "How much is where?" Our retirement funds are currently divided...
  7. bUU

    Class of 2022

    I searched high-and-low for a Class of 2022 thread, but found none, so I started this one.
  8. bUU

    Please clarify Cost Basis

    I really thought I had this down... but I'm troubled by something. I'm reviewing my statement from December 2014. It shows 12/17 XXXXX You bought (Quantity) 3517.020 (Price per Unit) 15.21000 (Transaction Amount) -53,493.88 However, the broker shows this lot today as REPORTED 12/17/2014...
  9. bUU

    Amazon.com Store Credit Card

    We're considering add the Amazon.com Store Credit Card. We're already Amazon.com PRIME, so we'd get the 5% statement credit. (I doubt we'd ever use the promotional financing.) I'm wondering specifically whether Amazon.com Marketplace purchases get the 5% credit. It indicates that purchases...
  10. bUU

    Former Reddit CEO Ellen Pao: The trolls are winning the battle for the Internet

    http://www.washingtonpost.com/opinions/we-cannot-let-the-internet-trolls-win/2015/07/16/91b1a2d2-2b17-11e5-bd33-395c05608059_story.html “The sad irony is that online harassers misuse the fundamental strength of the Internet as a powerful communication medium to magnify and co-ordinate their...
  11. bUU

    Freaking Out - Please Pardon Cathartic Venting

    Our home in Massachusetts received an offer for $100 over asking price within 26 hours of being listed. We have 29 days until the closing. We have three homes in Georgia any of which we'd love to live in. We put a bid in on our top choice yesterday afternoon at 5PM. We receive confirmation of...
  12. bUU

    Moving for Love

    First: I'm not sure which forum this belongs in best. Second: I apologize for using an accurate, albeit excessively catchy thread title; I thought some would find it, under the circumstances, a bit amusing, or at least a bit cute. My spouse's company has been harping on my spouse to move to the...
  13. bUU

    Something weird is happening

    Something weird is happening. Things work fine in the lists of threads, but inside the threads themselves it seems to lose track of who I am.
  14. bUU

    Accounting for Predecease

    In preparing and maintaining our retirement plan, there's a lot of consideration about longevity, life expectancy, etc., including a lot of talk about outliving our resources. But it got me thinking about the possible flip-side impacts of shorter longevity. With a ten year age difference, it is...
  15. bUU

    Why is my withholding so much lower than my expected tax?

    I've used a few tools, most notably Quicken Tax Planner, and they're saying we're going to owe 29% of our tax liability after accounting for withholding. We both worked straight through the year, nothing unusual except a job change mid-year with no gap between, both with W-4's saying Married-1...
  16. bUU

    Hypothetical Situation

    Spouse A recently got a new job, really started a new career in a field related to what Spouse A has been doing in the past. Spouse A is well-liked and well-regarded at the new job, but there is a desire for Spouse A to move to the company office where the rest of the group works. (Spouse A is...
  17. bUU

    Conversion of Life Insurance

    Mostly as an educational endeavor, I would love to read people's reactions to the attached offer my spouse received on leaving her previous job.
  18. bUU

    Emerging and Developing GDP Growth exceeds GDP Growth in Advanced Economies

    Full Article: Global Economic Outlook | The Conference Board This helps explain why the inadequacies and injustices of our domestic economy have become major points of conflict - there really is a lot less growth: While rate of increase in profits has continued to climb steadily without the...
  19. bUU

    Sharing some good news this morning

    Though news that strangely works against FIRE, at least on the surface. My spouse is going into the office today to give notice, starting a new job early next month. The part that works against FIRE is that it pays 20% less than my spouse's current job. However, it cuts the commute down from...
  20. bUU

    Chain retailer to make more staff eligible for health plans - Orlando Sentinel

    Chain retailer to make more staff eligible for health plans - Orlando Sentinel
  21. bUU

    Please Review this Portfolio Proposal

    I apologize if you've seen this message on other forums, but I'm seeking feedback from various sources. I recently received a proposal from a financial adviser. Putting aside that he didn't map out how we'd get from where we are to where he proposed we go, could you please assess his...
  22. bUU

    Americans seem to be fed up with frugality

    Restaurants sales at all-time high as recession fades - NBC News.com They're either living in a different reality from me, or they're simply ignoring the reality that frugality is the new level spending plan.
  23. bUU

    Are we or aren't we?

    We took another stab, today, at determining whether we're on the road to financial independence or not. We've been simplifying our savings, divorcing ourselves of some unnecessary repeating expenses, and getting some advice from financial experts regarding our situation, but of course, they...
  24. bUU

    Study Sheds Light on Funds' Hidden Trading Costs

    http://www.nytimes.com/aponline/2013/03/14/business/ap-us-of-mutual-interest-trading-costs.html None of this is particularly new but it does serve as a good reminder of another down-side of active trading. It prompted me to do a quick comparison just to reinforce the point in my own head...
  25. bUU

    How does stopping work early affect Social Security?

    Assuming that you have "enough retirement credits", how can you determine the impact of early retirement? The estimates Social Security provides assumes that you're going to make what you're making now until you reach FRA, but if your salary effectively goes to $0 fifteen years prior to FRA when...
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