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Re: Kroger for Gasoline

I know several parents who have teen kids that "steal" their Kroger discounts by entering the home phone number when they fill up. :mrgreen:
.
by MnD
Fri Aug 01, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 25
Views: 1567

Re: Quick question on Credit Card Interest

Thx for the replies. I called them and figured it out. Essentially I'm paying off the prior months purchases so buying stuff in august won't incur me interest I have all cards set to set to autopay the statement balance in full on the due date. Never pay a penny in interest and never pay anything &...
by MnD
Fri Aug 01, 2014 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Quick question on Credit Card Interest
Replies: 10
Views: 733

Re: Kroger for Gasoline

Costco is always priced under Kroger in our part of town. We also get the 4% off with the Costco Amex, but that works at Kroger also. We usually accumulate about 40-cents off per gallon at Kroger which would make Kroger cheaper for one fill, but about 1/2 the time forget to use them and they expire....
by MnD
Fri Aug 01, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 25
Views: 1567

Re: Tracking Credit Score

We use Quizzle. Free VantageScore and updated Equifax report every six months and they email when the updates are ready. It has a lot of formatting and menus opposed to a "long printout" approach to the report that you have to slog through. The "cost" are ads on the site for loan...
by MnD
Fri Aug 01, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Credit Score
Replies: 19
Views: 877

Re: Dumb 3rd grade math question about beach house rental

Lesson learned: The involved parties should have agreed on how to split the cost before the rental. Similarly with a dinner check. Not really and not applicable. We rented the beachouse before we had anyone contacted to split. I knew we would have no problem finding people to share it with us and w...
by MnD
Thu Jul 31, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 4668

Re: Dumb 3rd grade math question about beach house rental

It's $1,000 a night. So for the nights there are 2 couples, each pays $500/night. For the nights there are 3 couples, each pays $333.33. So couple 3 pays 8 * $333.33 = 2666.64 The others pay 8 * $333.33 + 2*$500 = 3666.64 This was my initial idea and this is what I did send end up sending out as th...
by MnD
Wed Jul 30, 2014 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 4668

Re: Principal Residence = Poor Investment?

When you are renting a home the investment-owner does not perform the maintenance, pay the taxes insurance etc. as charitable acts to your benefit. Those costs are part of the rent. Real estate has significant costs period and you can't escape them by renting or hold them up to "prove" tha...
by MnD
Wed Jul 30, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Principal Residence = Poor Investment?
Replies: 69
Views: 4187

Re: Principal Residence = Poor Investment?

My house is kind of like my coin collection. Worth a lot more than I paid for it I enjoy owning it, a pretty good store of value but not nearly as good an investment as the stock market. I'm liking my payment nowadays for 2500 SF and 1/2 acre of leafy green privacy. I couldn't rent a dumpy small apa...
by MnD
Wed Jul 30, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Principal Residence = Poor Investment?
Replies: 69
Views: 4187

Re: Does severance pay reduce or relace unemployment benefit

Severance pay is one area where states have broad options. As noted, in Minnesota (as in Colorado) severance pay delays the receipt of benefits. This is not true for all states. Note: In the states that delay the receipt of unemployment benefits, the law does not affect the total value of potential...
by MnD
Wed Jul 30, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3141

Re: Dodge & Cox - Global Bond Fund on the way

It seems as if the Dodge & Cox Global Bond Fund, DODLX, is a completely different kind of beast from Vanguard Total International Bond Fund, VTIBX. It may turn out to be more exciting than VTIBX but I don't think it's going to be a thrill ride. I've had it at Schwab for about a month and I'm no...
by MnD
Tue Jul 29, 2014 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: Dodge & Cox - Global Bond Fund on the way
Replies: 36
Views: 4697

Re: Possibility of getting sued - what steps to take

Just contacting your own insurance with an "incident" report can raise your rates.
I would not contact your insurance unless the pirate or an agent of his actually initiates a claim of liability against you.
by MnD
Mon Jul 28, 2014 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Possibility of getting sued - what steps to take
Replies: 25
Views: 3720

Re: Do any boggleheads invest in individual companies?

Yes, when I feel I have some sort of expert industry/technical information about a company _and_ the company checks out well otherwise. Also when a distressed company has obscure types of securities held by unsophisticated investors in the panic sell mode. An examples of the former is CREE. Two exam...
by MnD
Mon Jul 28, 2014 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5360

Re: Does severance pay reduce or relace unemployment benefit

Thank you Flobes! This is exactly the situation right down to the details you provided in your initial post that my spouse is in and the same payout form (bi-weekly for X weeks). So given you (as does she) had a separation agreement waiving rights with compensation terms stated in the agreement, did...
by MnD
Mon Jul 28, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3141

Re: Does severance pay reduce or relace unemployment benefit

You could have gotten this information long ago if you had mentioned Colorado in your first post. Most bogleheads know that when they want to learn about income taxes in their state, they don't go to the IRS. Answers to questions about a specific state are state specific. There are two reasons post...
by MnD
Mon Jul 28, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3141

Re: Does severance pay reduce or relace unemployment benefit

Sorry - I don't stay glued to Bogleheads all day believe it or not. It's Colorado. Looks like Arizona has made it clear that severance pay delays UI benefits whether or not a release of claims contract is involved. http://blogs.hrhero.com/hrnews/2014/07/09/new-arizona-law-outlaws-double-dipping-unem...
by MnD
Sun Jul 27, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3141

Re: Does severance pay reduce or relace unemployment benefit

The more I read from various sources the more I think _not_ declaring periodic post-separation payments (refereed to in the separation agreement as severance pay) as severance pay when collecting UI benefits due to the agreement is skating on thin ice. "Usual and customary payroll deductions wi...
by MnD
Sun Jul 27, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3141

Re: Does severance pay reduce or relace unemployment benefit

You should make sure that it is technically severance that she is receiving. Some companies make you sign paperwork waving your right to sue for wrongful termination and/or reaffirm your non-compete/NDA/non-dsiparagement clause. If the company makes her "severance" contingent upon signing...
by MnD
Sun Jul 27, 2014 1:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3141

Re: Does severance pay reduce or relace unemployment benefit

She loses her health coverage 7/31 (which also covers the kids) so we had 5 days to figure something out.
Our HR said her loss of coverage was a qualifying event to make an immediate change in my coverage from self to family.
So Monday we are all on my insurance. Whew........
by MnD
Sat Jul 26, 2014 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3141

Re: Does severance pay reduce or relace unemployment benefit

She was hired around the times of the first hint of the Great Recession after staying home with kids for many years. Very lucky timing as just a few months later top notch pros in her area were looking for anything. Laid off (company is going down the tubes due to very specific reasons) in a very st...
by MnD
Fri Jul 25, 2014 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3141

Does severance pay reduce or relace unemployment benefits?

My wife was laid off today and granted 7 weeks of severance pay at her current salary paid bi-weekly. I went to the State unemployment claim web site and they indicated..... Vacation, Severance, Pension or 401(k) If you received vacation, severance, pension, 401(k), or some other form of payment fro...
by MnD
Fri Jul 25, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3141

Re: Dumb 3rd grade math question about beach house rental

I was thinking 8 nights split three ways and two night split 2 ways.
($333.3 X 8) + ($500 X 2) = $3667
($333.3 X 8) + ($500 X 2) = $3667
$333.3 X 8= $2666
by MnD
Wed Jul 23, 2014 1:44 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 4668

Re: Dumb 3rd grade math question about beach house rental

CFOKevin wrote:10/28 + 10/28 +8/28 = $10,000

you can take it from there

I'm sure you are right that it will be a third each, after discussion.

Kevin


10/28 times $10K comes out a little bit different $3571 versus $3667. Is that how your formula would be applied?
by MnD
Wed Jul 23, 2014 1:21 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 4668

Dumb 3rd grade math question about beach house rental

This is a repeat but now with details and specifics. So we rented a three bedroom beach house in Hawaii for 10 days and invited other couples to join and split the costs. That's as detailed as we got. We made no minimum night requirement to join the pact, but assumed 7 nights was going to be the min...
by MnD
Wed Jul 23, 2014 12:58 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 4668

Re: Reduce / Eliminate Emerging Market in Retirement?

If EM is converging with developed markets, then moving your EM to developed markets will do exactly zero to decrease your overall portfolio risk. If it isn't (proven grandly once again in 2013) I don't see the point in some attempt to "lower risk" by making your international equity holdi...
by MnD
Tue Jul 22, 2014 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: Reduce / Eliminate Emerging Market in Retirement?
Replies: 11
Views: 1165

Re: With all these recent posts regarding tilts, should I?

You are on the right track in your thoughts.

401-K
S&P 500 and Total Bond

Roth IRA
Extended market index and Total International Stock Index.

REITS and health care stocks are already contained in the stock market indexes above.
by MnD
Mon Jul 21, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: With all these recent posts regarding tilts, should I?
Replies: 14
Views: 1020

Re: Gray Market woes

It's a phone company and has value and pays dividends. Did your account get the 6/4/2014 dividend? If this is just a small position and you are getting the dividends in your account in cash, I'd just keep it. If it's a lot of money to you at the quoted price I'd try harder to find a brokerage that w...
by MnD
Sat Jul 19, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Gray Market woes
Replies: 20
Views: 2052

Re: [Poll] % of 3 funds in your financial asset portfolio?

0.0% mostly due to the choices in the Federal TSP. However the alternative answer for myself may be 60% or 75%. I would speculate that if Taylor were an active federal employee his % would also be 0.0%. Even a purist Fed, who invest outside holdings to replicate three funds and appreciates the speci...
by MnD
Sat Jul 19, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1692

Re: POLL: Do you have a dedicated REIT allocation?

Publicly traded REIT's are in the broad indices plus I tilt in SCV plus I own a house which is well above the pre-crash high in value. That seems like plenty of real estate exposure to me. If I added yet more real estate exposure via dedicated REIT funds I doubt I would add them in any quantity larg...
by MnD
Wed Jul 16, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6980

Re: Zoning Issue in PA

Commercial to residential sounds good to me.
Would you rather a 24-hour gas station or delivery heavy pizza place?
by MnD
Wed Jul 16, 2014 12:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Zoning Issue in PA
Replies: 8
Views: 1120

Re: Portfolio allocation question - Core Four using TSP and

My TSP is in G, I, C and S and it is the dominant account size-wise. Our accounts outside the TSP (taxable and IRA's) are full of what TSP does not offer and don't have room for much else due to the size of TSP and what it requires dollar-wise to fill in what's missing. Namely small US value (VBR), ...
by MnD
Sat Jul 12, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation question - Core Four using TSP and IRA
Replies: 10
Views: 1406

Re: Imputed income (rent) Owner occupied houses.

A raccoon last night ate a not insignificant portion of a beam on an old pergola attached to the beloved 1952 large money pit home. The portion the raccoon ate (upon inspection) had carpenter bees in it, so he/she was after the bee larvae. Oh well - it was kind of like the maggots they use now to cl...
by MnD
Fri Jul 11, 2014 11:44 pm
 
Forum: Investing - Theory, News & General
Topic: Imputed income (rent) Owner occupied houses.
Replies: 21
Views: 2369

Re: True or False? Your risk tolerance only increases with t

My risk tolerance started fairly low - prior to mid-20's all my "investments" were at the credit union in share accounts so a 50-50 portfolio at age 25 when I started buying stocks/fixed income seemed quite bold and daring. Increased to 75-25 by early 30's and has been quite stable for two...
by MnD
Thu Jul 10, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: True or False? Your risk tolerance only increases with time
Replies: 30
Views: 2346

Re: IRS limits direct deposts of refunds to fight Identity T

I try to owe the IRS every year. The safe harbor limits are generous and even if you screw those up the penalties are pretty chump-change.
by MnD
Wed Jul 09, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3361

Re: How I look at $ in the real world vs my retirement accou

I was down around $350,000 in 2008 through early 2009.
If being down $4 in real life or in the market bothers you, you may be in for a rough ride down the road. :mrgreen:
by MnD
Wed Jul 09, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5826

Re: Does corporate credit risk add value

Corporate-tilted Dodge and Cox income seems to have added value despite the drag of a .43% ER
------------------------1 yr---3 yr---5 yr---10 yr---20 yr
D & C Income Fund 6.62% 4.88% 6.55% 5.60% 6.70%
Barclays Agg Index 4.38% 3.67% 4.87% 4.94% 6.16%
by MnD
Wed Jul 09, 2014 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Does corporate credit risk add value
Replies: 71
Views: 4204

Re: When do you "limit" saving and start to spend more?

We set savings amounts and spend everything else. During times of income growth we generally up that savings amount but keep the same % so spending goes up too. I am a mixed spender-saver and wife is more a spender so we have no problem spending what we do not dedicate to saving. Retirement is plann...
by MnD
Wed Jul 09, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you "limit" saving and start to spend more?
Replies: 39
Views: 3916

Re: Wife was hit by car while riding on bicyle. Next Step?

My state has no pain or suffering unless medical is over $10K or something like that so no lawyers were interested unless I wanted to pay them by the hour. Most thought that was a waste of my money unless I had some persistent injury possibility which I did not. My medical was around $2K so I got $2...
by MnD
Wed Jul 09, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife was hit by car while riding on bicyle. Next Step?
Replies: 46
Views: 5594

Re: How many veteran investor have LARGE MAJORITY in three-f

30 years investings in stocks and funds and 17 positions. About 50% of assets are in 0.03% ER TSP funds Another 25% in 0.07%-0.2% ER index funds The rest in lowish cost active funds 0.5%-0.8% and a couple of stocks at 0% ER. Two-employer two-person household, provider limited choices and tax reasons...
by MnD
Wed Jul 09, 2014 12:15 am
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3867

Re: Dodge & Cox - Global Bond Fund on the way

Dodge and Cox Global Bond (if like Dodge and Cox International Stock) will only hedge on a case by case, country by country and time limited basis. It will on average have a significant position in US bonds - it's a global go-anywhere bond fund versus a strictly international bond fund. Here's the l...
by MnD
Mon Jul 07, 2014 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: Dodge & Cox - Global Bond Fund on the way
Replies: 36
Views: 4697

Re: Want international exposure? You already have it.

I'd be OK with 100% of our equities in Total International Stock Market. Our human capital has little value outside the US, we are vested in one govt pension, stock grants in a small private US company, two above average claims on Social Security and a paid off home in a city without a significant ...
by MnD
Mon Jul 07, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6377

Re: Dodge & Cox - Global Bond Fund on the way

Fidelity is still not offering this fund for trading which came out May 1. I called both Fidelity and Dodge and Cox today and both reps confirmed this and yet seemed puzzled by the omission. Both said they would send something up the chain as it seems to be in the interest of both companies for Fide...
by MnD
Mon Jul 07, 2014 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: Dodge & Cox - Global Bond Fund on the way
Replies: 36
Views: 4697

Re: Animal battle Round 7: Raccoon pooping near house

We have racoons, fox, skunk, squirrels, hawks, owls, ducks and many other birds visit our large well treed yard with a small pond in a major city. We raised two kids with no problems and have have never had any other problems with them with the exception of our dogs barking at treed racoons - proble...
by MnD
Mon Jul 07, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Animal battle Round 7: Raccoon pooping near house
Replies: 39
Views: 3233

Re: Want international exposure? You already have it.

I'd be OK with 100% of our equities in Total International Stock Market. Our human capital has little value outside the US, we are vested in one govt pension, stock grants in a small private US company, two above average claims on Social Security and a paid off home in a city without a significant n...
by MnD
Sat Jul 05, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6377

Re: Are You Re-Balancing?

This exactly. I don't understand the flurry of re-balancing threads. It takes large market movements to exceed generally recommended rebalancing band approaches. That happened in my portfolio in 2009 and 2013. The recent market moves have been modest - i am not even close to reaching another rebalan...
by MnD
Sat Jul 05, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4977

Re: Do you tell your kids how much you make?

Yes, and I also now include them in the annual family discussion of our annual earnings, investment performance, household investment net worth, planned retirement dates and terms of our financial support (ends at undergrad graduation with possible exception of family health care coverage). My daugh...
by MnD
Fri Jul 04, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 5988

Re: Anyone use Wells Fargo Bank?

I respect that. I'm trying to figure out how the organization could have prevented the monthly overdraft fees. Do they write software to scan accounts looking for that, then call up the folks? After i paid off the loan and disabled "auto-advance" (I think that's what they called it) - the...
by MnD
Fri Jul 04, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Wells Fargo Bank?
Replies: 57
Views: 7647

Re: Anyone use Wells Fargo Bank?

When my disabled and elderly mother-in-law was in her early 80's (Social security was her only income) she had a big car bill and took out a $500 monthly 'advance" loan through her WF checking account. The charge for it was $50. Her rent and other regular expenses consumed her entire social sec...
by MnD
Fri Jul 04, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Wells Fargo Bank?
Replies: 57
Views: 7647

Re: Bernstein: Don’t Bother With International Bonds

I remember back in the day (when most index investors held the S&P 500) when people were warning about adding small cap funds or using the new total stock market indices coming out. Too risky - why add "dangerous" small cap stocks? You saw the same thing when total international index ...
by MnD
Fri Jul 04, 2014 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9071

Re: Bernstein: Don’t Bother With International Bonds

I think I'm turning into something of a Bernstein contrarian. :mrgreen: I'm in the process of building what will be a very substantial position in Dodge and Cox Global Bond paired with the TSP G fund. I don't think "buy the biggest debtors debt" is a good way to invest in bonds, but that's...
by MnD
Mon Jun 30, 2014 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9071

Re: Who do you talk with about your financial goals?

Spouse, and financially like-minded friend at work and one sibling.
We've learned from each other and have shared financial tools and techniques (inherited IRA details, backdoor Roth, retirement planning spreadsheets, tax-loss harvesting).
by MnD
Mon Jun 30, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9082
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