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Re: We cut the (Cable/Satellite TV) Cord!

My DirecTV bill is like $72.xx a month, that's two HDTVs with one HD-DVR. Cutting it would involve the dissolution of my marriage so it's not like I have a choice, but I feel that I get a good value from it just from watching live sports. Wings, beer, tax and tip at Buffalo Wild Wings would run you ...
by awval999
Thu Dec 18, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4353

Re: Help planning a Hawaii trip

Rent a convertible (even if its just for a a day) and drive.
by awval999
Tue Dec 16, 2014 7:00 am
 
Forum: Personal Consumer Issues
Topic: Help planning a Hawaii trip
Replies: 18
Views: 2062

Re: Help being smart about prescriptions (generics)

Typically the insurance company will hard stop the pharmacist when he goes to bill those fancy "me too" drugs. The insurance companies aren't dumb. They typically require step therapy which is fancy terminolgy for using generic drugs first, only after the doctor fills out a "prior aut...
by awval999
Mon Dec 15, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Help being smart about prescriptions (generics)
Replies: 9
Views: 880

Re: How do you figure out the best location to buy a house?

Just use realtor.com or Zillow and sort by prices. You will then see the most desirable areas in your metro area. If you tell us your metro area I bet there will be forum members that can help.

Hint: The highest price per square foot is the most desirable.
by awval999
Mon Dec 15, 2014 3:05 am
 
Forum: Personal Consumer Issues
Topic: How do you figure out the best location to buy a house?
Replies: 40
Views: 2935

Re: Eliminate PMI or add to 401K

Meh... You can always walk away from the condo. "They" can never take your 401k as it protected under ERISA. You can't get a loan for retirement. You have to look out for yourself first.

I wouldn't limit 401k contributions to pay more towards a condo loan.
by awval999
Wed Dec 10, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Eliminate PMI or add to 401K
Replies: 3
Views: 402

Re: Family jewels, kind of.

For go the "surprise" element. It is your to be wife that has to wear the ring. This is something you need to talk about. Maybe she wants her parent's diamonds for sentimental reasons, maybe she hates diamonds and wants no stone or a sapphire or an emerald. Maybe she wants round or diamond...
by awval999
Sat Dec 06, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3323

Re: Odd Issue with a Best Buy Return

Did you ask for a store credit? You weren't going to get cash back without original receipt but I don't know why they didn't offer store credit.

And ps... The police report idea. Let's just pretend you didn't say that. The police would laugh at you if you called that in.
by awval999
Fri Nov 28, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5182

Re: Filing homeowners Insurance claim - Sprinklers went off

I've never seen sprinklers in a private residence.

Edit: I googled it for fun. Looks like CA requires it for new construction. Interesting.
by awval999
Fri Nov 28, 2014 5:39 am
 
Forum: Personal Consumer Issues
Topic: Filing homeowners Insurance claim - Sprinklers went off
Replies: 13
Views: 1379

Re: Bumped out of first class at boarding - compensation?

Second on going to FlyerTalk.

As far as what I would expect for compensation: Refund of miles making your Hawaii flight free. $500 voucher each with no expiration.
by awval999
Sun Nov 23, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6357

Re: Do you dream about retirement?

I'm 28. And to preface this I work in a hospital. No, I don't dream about retirement. I spend less time on these boards than I did when I was 25, partially because I'm now on autopilot but also because I don't feel the same way many of you do about saving anymore. Because I see so many people daily...
by awval999
Wed Oct 29, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 6923

Re: Do you dream about retirement?

I'm 28. And to preface this I work in a hospital. No, I don't dream about retirement. I spend less time on these boards than I did when I was 25, partially because I'm now on autopilot but also because I don't feel the same way many of you do about saving anymore. Because I see so many people daily...
by awval999
Wed Oct 29, 2014 7:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 6923

Re: Do you dream about retirement?

I'm 28. And to preface this I work in a hospital. No, I don't dream about retirement. I spend less time on these boards than I did when I was 25, partially because I'm now on autopilot but also because I don't feel the same way many of you do about saving anymore. Because I see so many people daily ...
by awval999
Wed Oct 29, 2014 6:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 6923

Re: New appliances - Stainless Steel or not?

I would go white or stainless. If you go white make sure you choose the "ipod" white or whatever the fancy white they are using now. We like stainless for what its worth.
by awval999
Tue Oct 28, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3544

Re: Another Student Loan payoff question

Doing great IMO. As above I would cut back on 529 and put that money into your student loans. It seems like you may be overfunding them. Once student loans are gone then probably I would just grow taxable. Wouldn't EVER overpay the mortgage though. Even the student loans you could let ride indefinit...
by awval999
Tue Oct 28, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Student Loan payoff question
Replies: 2
Views: 335

Re: Social Security 2033 and beyond

I'm 28. I turn 67 in 2053. I do still think social security will be there. However, I assume I will receive only 77% of current benefits as scheduled by law. I believe the amount of benefits will be in the range of [50-100] of current benefits. Truthfully not worth worrying about or speculating abou...
by awval999
Sun Oct 26, 2014 8:47 am
 
Forum: Investing - Theory, News & General
Topic: Social Security 2033 and beyond
Replies: 15
Views: 1390

Re: Reduce income to fall below 401k HCE threshold?

If you could reduce your income to fall below by working less overtime for example or pushing a bonus into the next year, I would say do it. To request unpaid leave... Someone will ask you why. What will you say then? I don't want you to be in a situation next year where the higher ups say, "We...
by awval999
Fri Oct 24, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reduce income to fall below 401k HCE threshold?
Replies: 9
Views: 901

Re: Why are 401k plans expensive?

It's not always more expensive.

It depends on the plan. Typically (but not always) the smaller the plan/company the worse the 401k.

For example, my non-profit hospital's 403b (a non-profit version of a 401k) offers a variety of active and passive funds, including Vanguard's index funds.
by awval999
Wed Oct 15, 2014 6:53 am
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3158

Re: Financial preparation for a Disaster Event

I keep reading that people only are getting depreciated value for their posessions?

People really don't pay extra for the replacement cost policies?
by awval999
Fri Oct 10, 2014 4:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial preparation for a Disaster Event
Replies: 25
Views: 2949

Re: Possible Uninsured Motorist accident - UPDATE

Of course she's going to text you. That way you are out of her hair and she doesn't have to have the awkwardness of speaking to you. Congrats on getting to the end of this sticky situation.
by awval999
Thu Oct 09, 2014 7:07 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3725

Re: Home purchase negotiation: credit or reduced price?

The forum consensus on the last thread you made was to move on. They were never going to pay to re wire the house. I'm surprised they just didn't tell you to pound sand. If you love the house, and since it seems like you don't want to walk away I would counter at another thousand or two and see if t...
by awval999
Thu Sep 11, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home purchase negotiation: credit or reduced price?
Replies: 17
Views: 1358

Re: Coin Counting Machines

Using Coinstar and receiving your money in Amazon credit is as good as cash.
You can buy anything on Amazon. Batteries, toiletries, gifts, games, etc.
I personally give all coins to my wife, except pennies. I throw away pennies.
by awval999
Wed Sep 03, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4479

Re: Should I fix a "totaled" car

I would suggest door #3. Keep it, take the money and don't repair it. You say it still drives ok. So drive it as it is. For $1600, if the thing goes 6 months, you've recovered that in what you would have made in car payments. Beyond that, you're ahead of the game. If you decide at some point that y...
by awval999
Wed Sep 03, 2014 7:15 am
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 38
Views: 3149

Re: Establishing "Small Business" and Cheating IRS?

He can only deduct the expenses against revenue. So, yes, if he got some paying gigs he probably didn't have to pay income taxes on them because he could deduct the equipment against them. But, as far as I know, he could not deduct the expenses against his personal income. Edit: I actually did some ...
by awval999
Wed Aug 27, 2014 7:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Establishing "Small Business" and Cheating IRS?
Replies: 11
Views: 1181

Re: Can a Boglehead put down 10% on a house?

I never really understood the panic in regards to PMI. I suppose it gets stupid expensive on those Cali $800k bungalows but in the normal Midwest in a normal $200k house, it is like $70/month and that was only putting 5% down. I took LPMI instead which raises the interest rate by 0.25% instead of pa...
by awval999
Tue Aug 26, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Can a Boglehead put down 10% on a house?
Replies: 30
Views: 2577

Re: Buy & Hold Forever Blue Chip Stocks???

I will just simply answer the OP's question without repeating the posts above regarding the superiority of index funds.

Full disclosure, I am just simply making an educated guess.

KO
XOM
JNJ
MCD
PG
VZ
WMT
DIS
by awval999
Sun Aug 24, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 5174

Re: Should I fix a "totaled" car

I would suggest door #3. Keep it, take the money and don't repair it. You say it still drives ok. So drive it as it is. For $1600, if the thing goes 6 months, you've recovered that in what you would have made in car payments. Beyond that, you're ahead of the game. If you decide at some point that y...
by awval999
Sun Aug 24, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 38
Views: 3149

Re: Should I fix a "totaled" car

It's done. Move on.
by awval999
Sat Aug 23, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 38
Views: 3149

Re: I need "Ultra High Net Worth" investing advice please

To be fair, as long as you don't choose to invest your entire life's savings and work in a Bernie Madoff too good to be true scheme you will be okay.

Those full service brokerages will charge you 0.5% AUM fee plus put you in 1% expense ratio funds, though.

Good job on the sale of the business!
by awval999
Sat Aug 23, 2014 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 227
Views: 21138

Re: Buying a home with aluminum wiring?

We've decided to ask for a full rewire from the sellers. I am ok with the safety of the Copalum. But I am unwilling to risk higher insurance rates or having my insurance pulled completely, as well as the impact on resale. We've asked the Sellers if we can have our electrician inspect and provide an...
by awval999
Sat Aug 23, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 5231

Re: Fostering Change in HOA

Currently your HOA pays: 188 unit owners at a cost of approximately $87,000 per year. $87000 / 188 / 12 months = $38.56/month. Now I don't know if this includes internet, or how many channels you get, but this is a GOOD/GREAT deal per month. I would imagine if you start making waves here you will ge...
by awval999
Thu Aug 21, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 41
Views: 2626

Re: Will you have to pay your parent's long term care costs?

Eventually these laws will be deemed unconstitutional as they deny the adult children "due process".
by awval999
Thu Aug 21, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 57
Views: 4428

Re: In-Law Financial Issues (long)

I can only imagine how a late 20's son-in-law nagging his in-laws regarding how they spend their money will come across. Don't forget to point out that every dollar they spend frivolously is really spending "your money".

Please do this and report the results.
by awval999
Mon Aug 18, 2014 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4354

Re: Bankrolled Her Brother, Regrets It (article)

But I don't regret it because, at the time, I felt it was the right thing to do. I never had any illusions of being paid back — all the money was given as gifts. I'm more upset with the way my brother chose to use those gifts . You cannot control how people spend money. No matter if it is "ent...
by awval999
Mon Aug 18, 2014 7:18 am
 
Forum: Personal Consumer Issues
Topic: Bankrolled Her Brother, Regrets It (article)
Replies: 24
Views: 4065

Re: Getting Married, traveling abroad

I proposed to my now wife in Europe. The countries that we visited and loved aren't on your radar that you previously mentioned but I just thought I would mention them. We absolutely loved Spain and Italy. And I think that in October you would get much better weather in Spain and Italy than you woul...
by awval999
Sat Aug 16, 2014 8:46 am
 
Forum: Personal Consumer Issues
Topic: Getting Married, traveling abroad
Replies: 25
Views: 1621

Re: MDs should I contest hospital privileges?

I don't understand. If it's their hospital and they don't want you there how are you going to contest that?
by awval999
Thu Aug 14, 2014 4:48 am
 
Forum: Personal Finance (Not Investing)
Topic: MDs should I contest hospital privileges?
Replies: 16
Views: 1809

Re: $65k bonus for student loans...considering not taking it

I will only say this.

As of today, no one has ever had their student loans forgiven via PSLF. PSLF is not written into your promissory note. I would tread carefully
by awval999
Mon Aug 11, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: $65k bonus for student loans...considering not taking it
Replies: 30
Views: 3422

Re: Convince me I can make a dumb (car-related) purchase

I don't think the OP can consider leasing because of the large daily commute which will destroy his yearly mileage allowance.

Yes, you obviously can afford it OP. Good job getting rid of (or never having) those pesky student loans.
by awval999
Mon Aug 11, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4723

Re: Affording a 1.3 million home?

When I read these threads I am truly thankful I do not live in northern California. Truly I think it's hard for the majority of Bogleheads to respond to threads like this. It's like saying, milk is $14/gallon but my child needs it, can I afford it? I am at a loss, because whether it makes financial ...
by awval999
Thu Aug 07, 2014 6:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 122
Views: 18896

Re: Marriage: Is it tax-friendly?

The answer to the title of your post is "it depends".

In my personal situation where one spouse has a high income and one has a low income it is beneficial. In your situation where the spouses make identical salary it can cause a marriage tax penalty.
by awval999
Wed Aug 06, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage: Is it tax-friendly?
Replies: 50
Views: 2741

Re: When is a 3.75% load worth it?

If pimco will guarantee those results in perpetuity we all would gladly pay that load and expense ratio.

But alas they cannot. And you are cherry picking a fund that has outperformed. The trick is to pick the funds before they outperform. But it is not possible.
by awval999
Tue Aug 05, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5683

Re: New York City pension mess - NY Times

I live next door in New Jersey, also with a ridiculously underfunded pension system. The only logical response for an individual is to do what most of my friends have already done when they retired. Move South to a state that funds its pension plans adequately so that your retirement funds won't be...
by awval999
Tue Aug 05, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: New York City pension mess - NY Times
Replies: 15
Views: 1788

Re: New York City pension mess - NY Times

I live next door in New Jersey, also with a ridiculously underfunded pension system. The only logical response for an individual is to do what most of my friends have already done when they retired. Move South to a state that funds its pension plans adequately so that your retirement funds won't be...
by awval999
Tue Aug 05, 2014 8:29 am
 
Forum: Investing - Theory, News & General
Topic: New York City pension mess - NY Times
Replies: 15
Views: 1788

Re: Old people and financial advisors - a family tale

I think it's much more likely that your great uncle is withdrawing money and that is causing the drop in account value. You would have had to TRY to lose money in the last four years or so. Even 1.5% expense ratios and 1% AUM fees wouldn't have bled money like that.
by awval999
Mon Jul 28, 2014 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5951

Re: Selling House - Do We Need a Listing Broker?

I will just say this as a person actively looking to buy a house. I don't look at FSBOs because they are almost always without question overpriced. I don't know if it's just the type of person who lists their house as FSBO, but the listings are laughable in my area. Always priced at the top of the m...
by awval999
Sun Jul 27, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House - Do We Need a Listing Broker?
Replies: 61
Views: 2996

Re: Repair car vs. buy new vs. lease -- EV or not?

How much time would you save with the carpool/hov lanes? If you are a hot shot in Mountain View that alone may be worth the cost of the new vehicle due to the value of your time.
by awval999
Sun Jul 20, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Repair car vs. buy new vs. lease -- EV or not?
Replies: 16
Views: 1717

Re: Advice for how to fund my wedding

How is it possible to spend this much on a wedding? Are there not lower cost alternatives that are acceptable? What happens if you lose your job, will you and your DH be happy then that you whistled $45,000 down the wind? The OP clearly states the amount of this wedding is not up for discussion. An...
by awval999
Tue Jul 08, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 3064

Re: Advice for how to fund my wedding

Option two. Sell high. Enjoy your gains. Enjoy your wedding.
by awval999
Tue Jul 08, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 3064

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

I will preface my comments with the fact that I'm 28. To be honest I can't remember exactly the time period my parents discussed salary with me but I will guess that it was around the whole college application process/age 18 time. My parent's are traditional blue collar salt of the earth earners, th...
by awval999
Fri Jul 04, 2014 6:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 6530

Re: 20 Year vs 30 Year Term Life Insurance for a 35 year old

I'm 28. Just bought a 30 year. Recently married, breadwinner. No children yet. But I wanted to get preferred-plus rates when I still could. I have borderline pre-hypertension, my parents are unhealthy and any day something could happen to them which would wreck my rates. You could always split the d...
by awval999
Thu Jul 03, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: 20 Year vs 30 Year Term Life Insurance for a 35 year old
Replies: 14
Views: 1310
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