Search found 190 matches

by Paul78
Sun Jun 21, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 63
Views: 7070

Re: Blue Apron

Unfortunately it doesn't look like I can specify a soy protein allergy. I suppose any ingredients containing it could be left out or substituted unless it's a large part of the dish. But the price... wow. Our entire monthly grocery budget is exactly the same as the monthly price for this subscripti...
by Paul78
Tue Jun 09, 2015 4:25 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 86
Views: 9033

Re: Thoughts on Federal Employment

Granted I have do not have much experience (3 years fed and 1 year private) but federal seems to have many more positives Time off My private sector job gave me 2 weeks of PTO with the ability to carry over at most 240 hours (ie if at the end of the year you had more than 240 hours you had to cash o...
by Paul78
Wed May 20, 2015 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 4536

Re: Credit Cards are Good

Just like stocks they are good for people both upper middle class (or higher) who are also disciplined. The poor mostly likely will be stuck with "bad" credit cards with poor rewards just as the poor can not afford to put money in the market. The undisciplined spend their fortune instead ...
by Paul78
Tue May 12, 2015 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 4536

Re: Credit Cards are Good

Just like stocks they are good for people both upper middle class (or higher) who are also disciplined. The poor mostly likely will be stuck with "bad" credit cards with poor rewards just as the poor can not afford to put money in the market. The undisciplined spend their fortune instead o...
by Paul78
Mon May 11, 2015 8:29 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 7688

Re: International - Who really is at 40%

37.6% of my stocks are international
my goal is 60/40

25% of my bonds are international
my goal is 80/20
by Paul78
Mon Apr 27, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 4174

Re: How far away from a freight railroad track should you li

I am 500 yards or so from the Amtrak line, effectively if you are in southern California and near the freeway you are near the train. They don't blow the whistle though and we have 0 issues with the train. I actually like the sound of them rolling along the track near the house its kind of comforti...
by Paul78
Fri Apr 24, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 3859

Re: Who still have Cable TV?

and sports. Yes you could go to a bar or a friends house but I like the ability to watch in the comfort of my own home. For example as a Golden State Warriors fan the ability to watch yesterdays game 3 ver New Orleans was easily worth $25 of entertainment for me. NBA playoffs, college football (I po...
by Paul78
Fri Apr 24, 2015 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: "Bonus" on AMEX Blue Cash and Blue Cash Preferred
Replies: 10
Views: 939

Re: "Bonus" on AMEX Blue Cash and Blue Cash Preferred

Thanks for the info, very helpful. I am aware of the $6K cap. I usually hit around $4k, and this seems like a great way to get that last $2,000. 5.95 fee per card = $71.4 Wasn't aware of GC fees, as I can't recall ever buying any. Do all stores, or all cards, have them? The credit card ones do. At ...
by Paul78
Fri Apr 24, 2015 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: "Bonus" on AMEX Blue Cash and Blue Cash Preferred
Replies: 10
Views: 939

Re: "Bonus" on AMEX Blue Cash and Blue Cash Preferred

This has been covered before, but I haven't seen it mentioned any time lately and my family just used it to good effect, so I thought I'd remind folks. As many here know, there is an excellent cashback reward on groceries on AMEX Blue Cash (3%) and AMEX Blue Cash Preferred (6%). As you probably als...
by Paul78
Fri Apr 24, 2015 12:57 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 3859

Re: Who still have Cable TV?

I have cable and even worse I only have one provider choice (Los Angeles sections out the cable market and I live in an apartment so I can not have satellite). I just get the new customer promo rate every year by calling and threatening to cancel. Even with the promo rate it is still a bit expensive...
by Paul78
Sun Apr 12, 2015 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 14023

Re: Household Gross Income Poll

Anyway it doesn't matter. It's just a poll in a forum. It does show that this forum is strongly skewed towards higher incomes, much more than I expected. I wonder if the respondents are skewed as well such that those who make less are embarrassed to answer despite the anonymity of the poll. That's ...
by Paul78
Sun Apr 12, 2015 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 14023

Re: Household Gross Income Poll

This forum just represents a very select sample of society-mostly high earning, mostly wealthy or rapidly on their way there. Definitely. I can't believe how many 20-somethings there are on the board earning 6 figures with no student debt. I imagine that not a small number of them had all their col...
by Paul78
Sat Apr 11, 2015 3:59 am
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 17715

Re: The $1 Million Goal: Source of Motivation or Discouragem

Motivation for me. 1. I have a decent paying job 2. My million will be worth a lot less than your (related to me being young and inflation). But to be fair my current goal is to have 1.5-2mil in today's dollars by the time I retire. But yes if I was making half as much or if I had the same income bu...
by Paul78
Sat Apr 11, 2015 3:52 am
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 7425

Re: When to give adult children their inheritance?

I would say in the range of 35-40. That way they still have to live their life (college, career, marriage, ect), still get the money early enough to still enjoy it with many-hopefully- healthy years left in their life, and are hopefully old enough not to just waste the money. If they get it too earl...
by Paul78
Fri Mar 13, 2015 4:45 am
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 10105

Re: What won't you pay with Credit Card?

Anything that cost more with a credit (when rewards are factored in) than by a different method. I know in the past I have lived in apartments that allow cc payments but charge a 3% fee. Any small purchases that are no necessary. If I go to the vending machine to buy I candy bar which I dont need I ...
by Paul78
Wed Mar 11, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: If 2% is real, we are . . . . ?
Replies: 63
Views: 7119

Re: If 2% is real, we are . . . . ?

2% real along with 70% social security is what I use for my estimates (30 years left investing and hopefully 30 years in retirement) and I am doing just fine. I will actually be able to increase my spending for those 30 years in retirement by $1500-2000 a month (current dollars) more than I currentl...
by Paul78
Sat Mar 07, 2015 11:24 pm
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 6311

Re: Just cut my cable bill...

On a related note, I have been thinking about how much people spend on Internet, mobile phone, home phone, and TV services because my guess is these services account for a large portion of a family's disposable income. Especially families with an "average" income (ie I am guessing boglehe...
by Paul78
Fri Mar 06, 2015 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 14125

Re: When will / did you claim Social Security benefits?

my *goal* is 70. My hope is SS at 70 and my pension (should equal about 30k a year in todays dollars) will at least be enough money (in case I do live a long time) for me to get by without living in poverty. Honestly I expect to spend far more money on life experiences (ie the "fun" part o...
by Paul78
Wed Mar 04, 2015 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Roth TSP vs. TSP Contributions
Replies: 15
Views: 1235

Re: Roth TSP vs. TSP Contributions

seems to be an easy choice for me since this money (tsp contributions) would be taxed at -25% federal -9.3% state If I picked the Roth instead of traditional. But if some/all of the tsp money was in the 15% federal bracket and/or my state had a lower income tax it would be a more interesting decision.
by Paul78
Tue Feb 24, 2015 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 10368

Re: What age do you guys plan to retire?

Currently 26 planned age 57 Financially speaking I will most likely hit my "number" 2-5 years sooner. But in order to maintain the option of keeping my health insurance (both during the period before medicare kicks in and in addition to medicare once I am 65). So depending on where health ...
by Paul78
Wed Feb 18, 2015 2:07 am
Forum: Personal Finance (Not Investing)
Topic: Early rental lease termination - what is reasonable?
Replies: 20
Views: 1358

Re: Early rental lease termination - what is reasonable?

RM[/quote] Most tenants/landlords don't know this but at least in California this is true. If a tenant moves out, the landlord has to make a good faith effort to find new tenants otherwise the old tenants are on the hook for the entire amount (or at least until they can get it rented out). [/quote] ...
by Paul78
Sun Feb 15, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 7130

Re: I'm not a bad Boglehead [buying Powerball ticket]

No more so than someone is a bad boglehead for eating out, having internet, having cable, ect. That is as long as you consider it entertainment not a retirement vehicle (many many people claim buying lotto tickets/winning is their retirement plan). It is just part of your "instant" gratifi...
by Paul78
Sun Feb 15, 2015 10:54 am
Forum: Investing - Theory, News & General
Topic: What is the BH consensus on international bonds?
Replies: 54
Views: 4711

Re: What is the BH consensus on international bonds?

I have some international bonds but I do not count them under my "bond" allocation considering the risk.

100% of my bond allocation is in the g-fund. It is currently 20% of my portfolio and it will be increased to 25% by the end of the year (or sooner if the market has a significant drop).
by Paul78
Mon Feb 09, 2015 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: down payment for home tsp loan or withdrawing from taxable
Replies: 5
Views: 337

Re: down payment for home tsp loan or withdrawing from taxab

I agree with dm200. Although we often talk about taxes on this board, taxes shouldn't wag the proverbial "financial decision" dog In many cases. Saving on taxes can't always be the highest priority, and in this case, I don't think it should be. Generally, if you are going to need money in...
by Paul78
Mon Feb 09, 2015 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: down payment for home tsp loan or withdrawing from taxable
Replies: 5
Views: 337

Re: down payment for home tsp loan or withdrawing from taxab

Yes (In MY Opinion) - The other disadvantage (as I view it) is that you lose the gains (or potential gains) on the "loan" amount. A TSP (or 401k) "Loan" is really NOT an actual loan. Nobody is "lending" anything. When you "borrow" that $50,000 from the TSP, th...
by Paul78
Mon Feb 09, 2015 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: down payment for home tsp loan or withdrawing from taxable
Replies: 5
Views: 337

down payment for home tsp loan or withdrawing from taxable

I understand, generally speaking, you do not want to "rob" your retirement accounts to fund a housing down payment. But at the same time I do not wish to have 100k sitting in a bank account or very low risk investments when I am waiting to see if I will ever buy a house. Personally I would...
by Paul78
Sun Feb 08, 2015 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 12205

Re: Found $100 Bill at Walmart

I think you did the correct thing. As a thought experiment, would you (or I) have done the same thing if it was $1? $5? $10? $20? When does it cross the line for you? Interesting to think about. Jerry That's a great question. I'm sensing an interesting poll in the works! I can't imagine that if it ...
by Paul78
Fri Feb 06, 2015 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 12205

Re: Found $100 Bill at Walmart

I probably would wait a bit to see if anyone returned in a panic mode (for most people, even with a good income, dropping $100 is at least somewhat of a "big" deal). If not I would just keep it given the low probability of however lost it ever getting it back. You have just as much of &quo...
by Paul78
Wed Jan 28, 2015 12:27 pm
Forum: Personal Consumer Issues
Topic: Perspectives on house with a pool
Replies: 34
Views: 3258

Re: Perspectives on house with a pool

To me it is something you want far more when you don't have then when you actually do have it. When I was a little kid one of the best parts of traveling was the hotel/motel pools (either outdoor or indoor) and hotel/motel cable tv (at home we just had local stations). Then we moved to California an...
by Paul78
Sun Jan 18, 2015 7:49 am
Forum: Investing - Help with Personal Investments
Topic: What is a good rule of thumb on savings vs salary?
Replies: 20
Views: 3529

Re: What is a good rule of thumb on savings vs salary?

my goal is 30% of my gross thus far after 3.5 years of working 33% in retirement accounts (taxable, hsa, roth ira, tsp) 27% in deductions (anything non retirement coming out of my check- fed tax, state tax, health insurance premiums, SS, medicare) 40% in living expenses (car insurance, rent, food, i...
by Paul78
Sat Jan 10, 2015 11:15 pm
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11692

Re: Is a Sub-4% SWR a Boglehead Quirk?

Wow, I'm having trouble communicating effectively today. I didn't mean to imply that suicide was a potential solution. I'm just trying to point out that, if you believe the statistics, such a person might have a 15% chance of running out of money at age 90, but they would also have a 50% chance of ...
by Paul78
Sat Jan 10, 2015 8:33 pm
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11692

Re: Is a Sub-4% SWR a Boglehead Quirk?

Most of us who frequent this site will likely have a retirement with some luxuries which can be cut back if need be. In the worst case, social security in the last years would not be the end of the world. Yes It is not like you are going to withdraw 4% a year and go from having many years and a dec...
by Paul78
Mon Dec 29, 2014 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3754

Re: when do you start focusing on your retirement "number"

I developed a spreadsheet of projections when I was mid-30s (but I am a finance geek, so it is fun for me). That spreadsheet makes various assumptions about savings rates, expenses, portfolio growth, etc., and gives me a sense of how much the portfolio might grow, which influences how much I would ...
by Paul78
Sat Dec 27, 2014 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Life Insurance?
Replies: 61
Views: 4773

Re: Should I Cancel My Life Insurance?

adv-rider wrote:
HIinvestor wrote:How much does your premium increase for that coverage when you turn 63?

After the level term expires the rate becomes ridiculous. . . like $17,0000 a year.


hope you mean 17,000
by Paul78
Sat Dec 27, 2014 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: backdoor roth ira and ira conversion to roth ira
Replies: 1
Views: 246

backdoor roth ira and ira conversion to roth ira

I current have a small amount of money in a traditional ira (less than 20k it was a mostly a rollover from a 401k account from a previous employer). My plan is to convert my traditional ira to my roth ira on Jan 1st. I understand tax wise it is not necessarily the best move (I live in a high income ...
by Paul78
Sat Dec 27, 2014 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Life Insurance?
Replies: 61
Views: 4773

Re: Should I Cancel My Life Insurance?

why not leave it up to the kids? If your spouse is covered financially and the kids are already grown/earning income let them decide if they want the policy to stay intact. If yes they can pay the premiums if no then drop the policy. I would assume you would not leave 100% of the life insurance to t...
by Paul78
Sat Dec 27, 2014 11:27 am
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3754

Re: when do you start focusing on your retirement "number"

supersharpie wrote:FYI, the tsp max is 18k in 2015.


Yeah I was just using the 2014 max. My goal is to always contribute the max to the tsp, roth ira, and hsa every year.
by Paul78
Sat Dec 27, 2014 11:26 am
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3754

Re: when do you start focusing on your retirement "number"

Retirement is not a game with a number on a scoreboard. I don't even like that "winning the game" metaphor some people talk about. "You too can be a winner at the game of life." http://www.amazon.com/The-Game-Life-Electronic-Banking/dp/B00EDBZ9GW I was more talking about life be...
by Paul78
Sat Dec 27, 2014 11:04 am
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3754

Re: when do you start focusing on your retirement "number"

I think doing that before you are in your 50s is pretty premature. Just do the simple BH stuff: LBYM, savings before spending, maximize retirement savings options and you should be okay by the time you are really ready to ponder "the number". Maybe you'll overshoot, but enjoy the ride alo...
by Paul78
Sat Dec 27, 2014 10:36 am
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3754

when do you start focusing on your retirement "number"

as oppose to just concerning yourself with contributions? Currently in my late 20's I am far more concerned about meeting my contribution marks instead of market performance or my total retirement number. As long as I max out my tsp, roth ira, and hsa I am satisfied with my year. Barring any extreme...
by Paul78
Sat Dec 27, 2014 10:02 am
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 7704

Re: What price are you planning to pay for your next car?

I would get the 35-50k range But the is 9-14 years away (currently have a 1 yo car with 5k miles). My plan is to buy a "nice" car every 10-15 years. Yes, nice is relative (ie the car I just bought was under 40k- very nice car compared to the 15 yo 250k mini van I was driving and "nice...
by Paul78
Mon Dec 08, 2014 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 71
Views: 9720

Re: High(ish) earner; spending too much?

come on he is saving 30% that is good enough. As long as he is willing to adjust and live a "lesser" lifestyle if necessary. If he becomes disabled, fired, takes a huge pay cut, decides he wants to retire in five years, ect. But at the moment he is making the money, enjoying work, and savi...
by Paul78
Tue Nov 25, 2014 11:32 am
Forum: Personal Finance (Not Investing)
Topic: CapitalOne360 won't give me an ATM-only card?
Replies: 22
Views: 1967

Re: CapitalOne360 won't give me an ATM-only card?

I can see them having no "ATM-only" card but not being able to change the daily limit does not make sense to me. I know they have a base limit but in general you are able to adjust that. For example before I bought my car I called the bank and increased my daily debt car limit to greater t...
by Paul78
Sun Nov 16, 2014 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Aetna HDHP or GEHA HDHP (federal employee)
Replies: 46
Views: 4529

Re: Aetna HDHP or GEHA HDHP (federal employee)

I went with the Aetna HDHP (just the self plan not family) over the GEHA. My only assured expenses are about $450 a year in prescription medications. When it comes just to money -Aetna is better in the case of a catastrophic outcome. If nothing happens at all or I just spend equal to or less than th...
by Paul78
Wed Nov 12, 2014 5:00 pm
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 5998

Re: Your favorite classic toys for kids

Nothing fancy..... ....Chutes & Ladders... This is very sad: the current edition of "Chutes & Ladders" is awful. I don't know how they could ruin such a simple idea, but they did. The basic problems are, first of all, the game board seems to have been designed by someone who likes...
by Paul78
Wed Nov 12, 2014 4:33 pm
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 5998

Re: Your favorite classic toys for kids

Hoot-Nanny No. 1 Google it if you don't know what it was. It was a favorite toy of this 77 year old. I had something similar (I am only in my twenties so no it was not the original) when I was young. I really think parents should use this "basic" toys first before advancing to modern toys...
by Paul78
Mon Oct 27, 2014 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: $50,000 in Private Loans for Nursing Degree
Replies: 34
Views: 3745

Re: $50,000 in Private Loans for Nursing Degree

Which state are you in? In my area nurses start at around $20 and hour and seems to keep dropping. They can make closer to $30 if they are willing to do nights and weekends but that isn't ideal when you're trying to raise kids. At least it wasn't for my family as I'm gone at least 60hrs a week when...
by Paul78
Mon Oct 27, 2014 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: $50,000 in Private Loans for Nursing Degree
Replies: 34
Views: 3745

Re: $50,000 in Private Loans for Nursing Degree

lululu wrote:
Paul78 wrote:
lululu wrote:
Jack FFR1846 wrote:
.


She has recent education in the field.



Taking a couple of classes hardly counts as "experience". It does show initiative but still means there is a 14 year gap since her last real work experience.
by Paul78
Mon Oct 27, 2014 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: $50,000 in Private Loans for Nursing Degree
Replies: 34
Views: 3745

Re: $50,000 in Private Loans for Nursing Degree

lululu wrote:
Paul78 wrote:
lululu wrote:
Jack FFR1846 wrote:
.


She has recent education in the field.



Taking a couple of classes hardly counts as "experience". It does show initiative but still means there is a 14 year gap since her last real work experience.
by Paul78
Mon Oct 27, 2014 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: $50,000 in Private Loans for Nursing Degree
Replies: 34
Views: 3745

Re: $50,000 in Private Loans for Nursing Degree

Have you tried volunteering? ps - I'd be wary of buying into the notion of "the nursing shortage" too much. There has been a proliferation of nursing schools and hence graduates in the last few years and there appears to be no shortage from my perspective at least. It's much the same in p...

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