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Re: Is this an exception to buying Mortgage Points?

My bank is offering 4.25% fixed 30 year mortgage loan for $225,750. They will reduce my closing costs by $1,128 if I use this option. They are also offering me 4.125% for fixed 30 years if I pay $846. Or they will offer 4.0% for 30 years fixed if I pay $1,800. This isn't technically buying points, ...
by an_asker
Fri Sep 19, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this an exception to buying Mortgage Points?
Replies: 18
Views: 1485

Re: Is this an exception to buying Mortgage Points?

See what is a variable 7/1 . DS used a local broker found on zillow, who only advertised on weekends (too much business to do more). DS put down 25%, no points. He tried his credit union but they were not competitive. July 2014. 2.625% rate. 2.77% Apr. Seattle. 25% marginal income. what does "...
by an_asker
Fri Sep 19, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this an exception to buying Mortgage Points?
Replies: 18
Views: 1485

Re: Florida prepaid college plan. Dumb or undumb?

I bought Florida Prepaid for both of our children. My daughter did not use it, as she went out of state for college, but our son is a senior at UF at present. Bright Futures Scholarship covers about 75 % of the tuition, so the Fl Prepaid after paying the balance of the tuition, one year dorm ....et...
by an_asker
Fri Sep 19, 2014 8:41 am
 
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 14
Views: 1057

Re: Do you plan trips on your own or use a [travel agent]?

1) They probably do. 2) Some of them might. 3) We have historically planned our trips by ourselves. The only times I can remember using a travel agent, ironically, was for the two cruises we have taken. Ironic because a cruise is where there is not really much to plan, as they are all inclusive dea...
by an_asker
Wed Sep 17, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1508

Re: Do you plan trips on your own or use a [travel agent]?

Good travel agents used to be indispensable. Now they are practically non-existent. Sadly, the on-line tools have not yet caught up to what the good agents used to be able to do. Sorry to go off-topic, but I agree. There is only so much trip chaining and kid-swapping between vacation-days-challenge...
by an_asker
Wed Sep 17, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1508

Re: Do you plan trips on your own or use a [travel agent]?

So I've decided to visit London UK next summer (feel free to flood me with tips) and I'm beginning researching. I don't have any personal ta so I went to the local liberty travel agent. While the agent is very nice, we don't seemed to be meshing. basically I told her what type of hotels I like and ...
by an_asker
Wed Sep 17, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1508

Re: Dave Ramsey: The Legacy Journey

[deleted]
by an_asker
Wed Sep 17, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 21
Views: 3024

Re: Angry when stock market is down

Does anyone else get angry/edgy/cranky on days where the stock market is down? In the last couple of days, I find little things "set me off". But maybe it could also be other factors in my life. For instance, it's annoying to see REITs down 1.8% today. I won't sell, but I'm just annoyed. ...
by an_asker
Fri Sep 12, 2014 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 3969

How is the FL property tax cap (Save Our Homes) applied?

I noticed what appears to be a discrepancy, but it is probably just my misunderstanding. The question is: how is the Save Our Homes property tax cap applied to homesteaded vs. non-homesteaded properties. For those who are unaware, FL caps year-over-year increases to assessed values to 3% for homeste...
by an_asker
Fri Sep 12, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How is the FL property tax cap (Save Our Homes) applied?
Replies: 0
Views: 139

Re: Rental rate of return

kksmom/swaption:

Thanks! I think I've finally got it. I also googled and found this nice post. The comments are a fun read (for later; there are too many of them ;-)
by an_asker
Fri Sep 12, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental rate of return
Replies: 17
Views: 1448

Re: Rental rate of return

I tell you, there is a Boglehead joke in here somewhere. Something like "How would a Boglehead value a company? He would give you a long speech about how it is waste of time and then recommend you read a book." In this case the annual cash flows are -$18,600, -$17,800, -$16,000, -$15,200,...
by an_asker
Fri Sep 12, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental rate of return
Replies: 17
Views: 1448

Re: Rental rate of return

I tell you, there is a Boglehead joke in here somewhere. Something like "How would a Boglehead value a company? He would give you a long speech about how it is waste of time and then recommend you read a book." In this case the annual cash flows are -$18,600, -$17,800, -$16,000, -$15,200,...
by an_asker
Fri Sep 12, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental rate of return
Replies: 17
Views: 1448

Rental rate of return

This has probably been asked here before; if so, please accept my apologies but humor me anyway! Let's say I have a rental property that I bought for $100,000. Each year, I pay off $20,000 in principal plus interest and taxes etc. So, here are the figures: Year 1: principal payment = $20,000; intere...
by an_asker
Thu Sep 11, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental rate of return
Replies: 17
Views: 1448

Re: POLL: Has a financial firm made a mistake with your mone

I had bought some sweets at a local store. The transaction was for $11.00 or something like that. Imagine my surprise when I logged into Schwab and saw that my account had been debited by $1100! I called them immediately; they said that it would take a couple of days to fix the issue and it did get ...
by an_asker
Mon Sep 08, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 2638

Re: DIY Index Fund

On a personal note there are about 50-75 stocks I would like to own more of, at this point however, I just don't have enough cash to take the appropriate positions in them. Why not? How much cash do you think it takes? Trading costs have come down dramatically, so that shouldn't be a factor. If you...
by an_asker
Fri Sep 05, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: DIY Index Fund
Replies: 25
Views: 2333

Re: 1.99% Unsecured "AnythingLoan"

How about the fact you need to repay a 401(k) loan immediately-ish (or pay penalties on a withdrawal) if you lose/leave your job? No legal requirement for that and indeed some plans don't. Can you elaborate? Some plans (albeit VERY few) allow you to make payments after you have terminated employmen...
by an_asker
Fri Sep 05, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14
Replies: 48
Views: 4958

Re: america the beautiful national parks and lands pass

An update on the thread: I got in "free" to Teton National Park again. The booth was completely unmanned at 1 am for some reason. Nowhere to leave money except tape it to the window! Left at dusk, again no one at the booth. We arrived at Yosemite (Tioga Pass) at noon, and of course bought...
by an_asker
Fri Sep 05, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 5603

Re: america the beautiful national parks and lands pass

Ldevelopment wrote:...Wow. I thought I was cheap :-)

Now I am confused. My wife says that I am cheap; but I purchased the $80 pass last July and used it only that month ... and that too, only twice. It would have been cheaper just to pay up the two admission fees! :oops:
by an_asker
Fri Sep 05, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 5603

Re: Lawnmower/gas issues

an_asker - I will admit that I didn't use to be vigilant to old gas issues, but for a while now, since earlier brushes with this problem, I've tried to buy gas in smaller quantities, use a stabilizer (red Stabil, mainly, I think), and not keep gas over the winter. This season, with my many problems...
by an_asker
Fri Sep 05, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2021

Re: Peter Lynch was wrong

I would rather be wrong and lucky than right. Of course, it is better to be right than wrong and unlucky! :oops:
by an_asker
Fri Sep 05, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6034

Re: Lawnmower/gas issues

an_asker - I will admit that I didn't use to be vigilant to old gas issues, but for a while now, since earlier brushes with this problem, I've tried to buy gas in smaller quantities, use a stabilizer (red Stabil, mainly, I think), and not keep gas over the winter. This season, with my many problems...
by an_asker
Fri Sep 05, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2021

Re: Warning level

I think it has to do with the number of times you've been chastised by one of the moderators. I remember being warned once about one post, and my warning level is 1. Get too many, and you're in trouble. I like this group then. Wordpress kicked me - and my nine-year-old blog - for a vague 'Terms of ...
by an_asker
Fri Sep 05, 2014 10:48 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2271

Re: Lawnmower/gas issues

when my 1 year old mower wouldn't start the guy at the repair shop said it was from ethanol. i now buy gas for the mower that is ethanol free. i found plenty of options using this website: http://pure-gas.org/ Based on the responses on this thread (and maybe most of you already feel this way), it a...
by an_asker
Fri Sep 05, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2021

Re: buying a house in france

Thread title could be changed to collect more eyeballs, as in "How to move 6-figure amount of US$ to Euros in France with minimal fees?" +1. On the other hand, it might reduce the eyeballs as well. I was interested in reading about house purchase in France; have no clue how to transfer si...
by an_asker
Fri Sep 05, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: buying a house in france
Replies: 15
Views: 1607

Re: Lawnmower/gas issues

I use a plastic gas can, fairly high capacity (~5 gallons), but usually only get 1 to 1.5 gallons at a time, and then add a stabilizer. I've had a lot of the same issues. What kind of fuel stabilizer are you using? A Toro mechanic told me to use Stabil Marine (green color). He said Stabil (red colo...
by an_asker
Fri Sep 05, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2021

Financial Advisory Firms

OK, there are two kinds of financial advisors: - those who claim that their stock picking is superior to the rest - those who swear by index funds (which if I understand correctly, both Rick Ferri and Larry Swedroe belong to) Now, my question is, undoubtedly the folks who fall in the latter category...
by an_asker
Wed Sep 03, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: Financial Advisory Firms
Replies: 5
Views: 352

Re: Did you reveal to your kids...your savings and salary

3. Two different (married) female coworkers ask me about them becoming my "mistress" after a large promotion at work several years ago Where do you work where they would think that's appropriate?!?!? I hope it was said in the same tone as anyone says "adopt me" to someone else o...
by an_asker
Wed Sep 03, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 6853

Re: Help With 401K Choices

Let me take a crack at this one ... you have quite a few good funds to choose from. Here are the top few I would choose from.

VANGUARD INST INDEX (VINIX)
VANG MIDCAP IDX INST (VMCIX)
VANGUARD WELLINGTON (VWENX)
VANGUARD LT TRESURY (VISUX)
SPTN INTL INDEX INS (FSPNX)
SPTN US BOND IDX IS (FXSTX)
by an_asker
Tue Sep 02, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Help With 401K Choices
Replies: 2
Views: 289

Re: How I beat Indexing... in 1 hour

To all, I'm limiting this strategy to bi-annually. Stay posted until the Top holdings in the small/mid-cap changes significantly Here's my rationale: 1) Smarter people than myself have already done 99.5% of the work of identifying high-growth potential 2) The only knock of index funds is they dilut...
by an_asker
Tue Sep 02, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 56
Views: 8320

Re: Gas station etiquette

I routinely make the same maneuver. If someone were waiting I'd probably roll my window down and ask them if they were going to use that space or just point and shrug. If someone had been in front of him and taking longer he would have had to pull into the center anyway. I doubt he had any real con...
by an_asker
Thu Aug 28, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2932

Re: Compute Mathematical Best/Fastest Way to Pay off Car Loa

Southern, all the auto loans I've had worked the same way... extra payments get applied to future payments. You're over thinking this though, IMO. Even with a 6.2% rate you don't have much interest to pay on a $13k balance. Any mathematical best way to pay it off is likely to make little difference...
by an_asker
Thu Aug 28, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Compute Mathematical Best/Fastest Way to Pay off Car Loan?!
Replies: 16
Views: 1091

Re: Hit a financial milestone at an age milestone

MikeWillRetire wrote:Maybe he is bragging. Driving over the border into Canada for a camping weekend could be viewed as "international travel", and his "two kids" may actually be billygoats. :happy

Didn't he imply that he is a Boglehead? Bogleheads don't brag, do they? :oops:
by an_asker
Wed Aug 27, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 4998

Re: Anybody heard of/used Zinc Save?

Now I am worried. Is fatwallet something similar? Over there as well, if you log in, you get discounts when making purchases ...
by an_asker
Wed Aug 27, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Anybody heard of/used Zinc Save?
Replies: 10
Views: 937

Re: .com rather than .gov, lesson learned

I don't understand what your fear is - didn't you apply for .gov at the same location as well? If so, don't they already have all your information? I'm not sure I understand the question. Wasn't OP requesting an Employer Identification Number, the commercial world's equivalent of a Social Security ...
by an_asker
Wed Aug 27, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: .com rather than .gov, lesson learned
Replies: 18
Views: 2481

Re: .com rather than .gov, lesson learned

I don't understand what your fear is - didn't you apply for .gov at the same location as well? If so, don't they already have all your information?
by an_asker
Wed Aug 27, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: .com rather than .gov, lesson learned
Replies: 18
Views: 2481

401(k) poll - lawyer/oil and gas worker/airline employee?

Per this article , your 401(k) would be right up there. In the title, I was unable to fit all professions that were listed in the article, but they - plus a couple more - are all included in the poll. Please note that corporate IT should not count as being in the "Tech Industry" (unless yo...
by an_asker
Wed Aug 27, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) poll - lawyer/oil and gas worker/airline employee?
Replies: 29
Views: 1766

Re: How I beat Indexing... in 1 hour

1) Dedicate <5% of your portfolio to "play money" - In my case it was $5000 2) Open up a brokerage account with $0 trades - Merrill Edge for BofA customers 3) Scour Top 10 holdings in Vanguard/Fidelity Mid- and Small-Caps 4) Do your research! Pick companies with: - Consistent quarterly >7...
by an_asker
Tue Aug 26, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 56
Views: 8320

Re: Telling my friends I paid off my houses was a mistake.

Folks, the OP has used the plural of "house", so the OP has more than one house that has been paid off. Let's give him the benefit of the doubt and say it's 8 houses that they have paid off. I think the OP should take more trips, go to Paris (multiple times), and start redecorating. Final...
by an_asker
Mon Aug 25, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10333

Re: Do you take all of your allowed paid vacation time?

How many Bogleheads lie? Per this poll - 82%! It's not lies, it's self-selection. Victoria I was originally referring to the answer to the first question "I am taking this poll" - apparently, only 19% selected that option. But then, like I said, the poll is flawed as it treats each select...
by an_asker
Fri Aug 22, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5715

Re: Do you take all of your allowed paid vacation time?

How many Bogleheads lie? Per this poll - 82%!! :oops:

Never mind - it is a bug in the Poll software. I am eating crow and humble pie now.
by an_asker
Fri Aug 22, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5715

Re: Quote from a mover: Please comment

How about a Boglehead moving party with Pizza provided? :sharebeer [disclaimer: I don't drink beer] Good idea; I'll bring my pickup truck. And I'll drink your beer for you after we're done... This is getting interesting! Should I abandon the idea of movers and recruit Bogleheads? Beer, or sherry, o...
by an_asker
Fri Aug 22, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 3859

Re: Quote from a mover: Please comment

How about a Boglehead moving party with Pizza provided? :sharebeer [disclaimer: I don't drink beer]

True statement: We used the firm of "Man and Wife" for our la(te)st move.
by an_asker
Fri Aug 22, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 3859

Re: Registering luggage in Switzerland

I don't have personal experience but it is patently obvious from the link you provided that they will store your luggage for free for 4 days IF YOU USE THEM TO TRANSPORT IT. If you want to fly to ZRH and store your bag in a locker there, the second set of charges apply. Ah! Thanks for for your resp...
by an_asker
Wed Aug 20, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Registering luggage in Switzerland
Replies: 4
Views: 345

Registering luggage in Switzerland

I am trying to find out what is the most economical way to leave luggage in any one location in Switzerland and then picking it up after a few days. Here is what I read and wanted to get particulars: On the Indications tab here , it says: Storage. Your luggage will be stored free of charge on the da...
by an_asker
Wed Aug 20, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Registering luggage in Switzerland
Replies: 4
Views: 345

Re: Vanguard Lost My Account

One thing these guys could do that they're not doing either is to provide email and/or cellphone text alerts every time there is a transaction on your account, particularly a withdrawal. Allows you to catch fraudulent or other unexpected activity on your accounts right away. All my bank and credit ...
by an_asker
Wed Aug 20, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10500

Re: Pressure Cookers?

Don't know about other countries, but these are/were pretty popular in India (though I have no idea how much of a market share they've lost to microwaves). I believe there are something like 400 million Indians without electricity. A pressure cooker is well suited to third world conditions. Relativ...
by an_asker
Tue Aug 19, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3343

Re: Pressure Cookers?

I really don't understand how they were never in the mainstream. Too many of us saw the tomato sauce on the ceiling effect when our parents used them when we were kids. Please don't blame the utensil. It is called Pressure Cooker for a reason! :oops: Don't know about other countries, but these are/...
by an_asker
Tue Aug 19, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3343

Re: Lifestyle Creep

Nothing wrong with a little lifestyle creep later in life... The trick is to avoid it early on... #1 way to become financially independent, in my opinion, is to save half your raises. Increase your lifestyle slower than your raises, and it doesn't take too long before you're saving serious money Ev...
by an_asker
Fri Aug 15, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2669

Re: Strategic Default

[...]My car is $25k underwater too - I bought it for $30k 8 years ago and it's only worth $5k now. Do I walk away from it (repo'd)? I think the OP needs to put the magnitude of $25k in perspective, aside from any moral issues. That is not how underwater is defined. Unless you have not paid a penny ...
by an_asker
Fri Aug 15, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3245

Re: Vanguard Lost My Account

I received a letter from Vanguard in the mail today that said that my online access to my account had been blocked ... Update: I did contact my former employer this morning, and, NO, they have not changed custodians for their 401((k) management. So, that is not the problem. I did find my Vanguard P...
by an_asker
Fri Aug 15, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10500
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