Search found 145 matches

by boglebill
Fri Jul 31, 2015 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wait... What? [IRA and taxation]
Replies: 42
Views: 5101

Re: Wait... What?

First, a general comment. It is unacceptable to do nothing - something is much better than nothing! After that, one really needs to have a basic understanding of their investment vehicles. Great clean explanation :sharebeer - this should be put in the wiki somewhere. I agree. Fantastic explanation. ...
by boglebill
Tue Jul 14, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: Truck Stolen
Replies: 30
Views: 2945

Re: Truck Stolen

Just wanted to chime in that I was quite impressed at 500k+ miles, as well as being your first and only car, ever!
by boglebill
Wed May 06, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: Received a new license plate/number in the mail
Replies: 23
Views: 1986

Re: Received a new license plate/number in the mail

In Florida they reissue tags every 5 years. If you have a custom words/letters they don't change.
Otherwise, new plate, new #. We just got one in the mail, it's a vanity plate, so it has the same design, but different plate #.
by boglebill
Thu Apr 23, 2015 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Florida Prepaid vs. 529 vs. Both?
Replies: 35
Views: 8575

Re: Florida Prepaid vs. 529 vs. Both?

Yes - Whatever the FL tuition rate is when the child goes to college (ex $400/hr), that amount is what will be paid to an approved out of state institution. We have now signed up for two 529 accounts. The differential fee price increases were horrible, raising the price from about $16k in 2008 to $5...
by boglebill
Thu Apr 23, 2015 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Best home mortgage lenders?
Replies: 26
Views: 3140

Re: Best home mortgage lenders?

Penfed has great rates. https://www.penfed.org/mortgage-rates-all/

The refinance process was a pain (mortgage processors slow and hard to get a hold of), but the rate was worth it.
by boglebill
Mon Mar 30, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 6288

Re: Why Buying a *New* Car Makes Sense? Please help!

I like your logic. When purchasing my last new vehicle, I tried for months to locate what I wanted in terms of features and price. In the end, used didn't make sense because I was within a couple thousand. Peace of mind to have a brand new warranty, 0 abuse, brand new wear & tear items. Yes, i c...
by boglebill
Mon Mar 30, 2015 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Why would real estate be sold for $1?
Replies: 17
Views: 1965

Re: Why would real estate be sold for $1?

This is often a "certificate of title" or "quit claim" transaction. In our area they show as 100 entries.
by boglebill
Thu Mar 19, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 75
Views: 6035

Re: Experience with PenFed refinance

Recent refi. My work depends on communication and customer service, this experience has been sub-par. I'm embarrassed to have been supporting Penfed for 10+ years. Getting a great rate, saving a lot of money, I stuck through it. If I didn't have experience with real estate & mortgages, there's n...
by boglebill
Tue Mar 10, 2015 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 22733

Re: Wife tired of saving...

I saw this thread last week but it just didn't sit well with me ... But now I feel compelled to chime in [seems everyone else has!]. ⋅ About 10 years ago I drove a friend's 3-Series BMW. I didn't like the way it drove, specifically the manual transmission was clunky (I have a lot of experi...
by boglebill
Fri Feb 20, 2015 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score got hit hard
Replies: 41
Views: 4330

Re: Credit Score got hit hard

No offense, but "the situation" is that you missed payments and are now considered higher risk. Writing won't help. Time will.
by boglebill
Mon Feb 09, 2015 8:15 pm
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1982

Re: DH and I are buying bicycles

There's a lot of info in this thread already. Honestly - try and RENT a bike first. Rent a bike and go on this bacon ride! If the ride is flat and paved, and you're in average shape, 30 miles won't kill you. 70 certainly won't be as much fun. Most large organized rides have bailout points or vehicle...
by boglebill
Mon Jan 19, 2015 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 17905

Re: Should I Declare Victory and Pack It In?

When I read the first post, I too had trouble with the math and thought OP was nuts. After reading the constructive comments and elaboration - I think you're ok, WormWood. I hope the lifestyle adjustment doesn't affect your morale. It sounds like a big shift is coming. 3-4% SWR of 2.7M is 81-108k/yr...
by boglebill
Mon Jan 19, 2015 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance 2015 Checkup
Replies: 6
Views: 1430

Re: Personal Finance 2015 Checkup

Are you already making any kind of payments on the new house? If not, you can get a place month-to-month and move out when the new place is ready.

Losing 10k seems like a large hit. Do you not want the house anymore?
by boglebill
Tue Jan 06, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Saving too much in retirement accounts? Numbers inside.
Replies: 16
Views: 4522

Re: Saving too much in retirement accounts? Numbers inside.

I've been following this thread because it seems to loosely resemble my plan, and closely resemble my timeline. I hadn't previously visualized the decline in contributions, or the manner in which you are transferring from stocks to bonds. While I am almost certain we are saving "too much,"...
by boglebill
Tue Dec 30, 2014 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Where I was in March vs. Where I am now.
Replies: 4
Views: 894

Re: Where I was in March vs. Where I am now.

You are doing GREAT!
by boglebill
Tue Dec 30, 2014 12:12 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 6932

Re: How Much Do You Sacrifice?

I don't have time at the moment to read all the replies. You haven't posted your entire budget for us to nitpick, but it sounds like you have a comfortable income, aren't buried under mounds of debt, and have some flexible discretionary money. GOLFGUY - you better march your butt down to that golf c...
by boglebill
Tue Dec 30, 2014 11:24 am
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 23
Views: 2178

Re: Any Cyclists With a Brooks Saddle?

Brooks saddles are like Subarus. Everyone who has one LOVES them. I do not have one, but I would definitely get one for the right bike.
by boglebill
Tue Dec 23, 2014 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: 29 year old portfolio eval
Replies: 6
Views: 1306

Re: 29 year old portfolio eval

Married filing joint... Does your spouse work?
by boglebill
Tue Dec 23, 2014 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: 2015 Roth IRA
Replies: 25
Views: 3565

Re: 2015 Roth IRA

$450 per month x 12 = $5400
+ $100 extra in January = $5500

Hitting the max was a lot more difficult before I set up a monthly auto deposit.
by boglebill
Tue Dec 23, 2014 4:07 pm
Forum: Personal Consumer Issues
Topic: Anyone prep for the PMP???
Replies: 17
Views: 4110

Re: Anyone prep for the PMP???

I also used Velociteach materials. After assisting several prep courses that use the Mulcahey material, I still prefer the Velociteach experience.

Do not take the exam until you're passing practice exams with time to spare and over 80% score.
by boglebill
Tue Dec 23, 2014 3:58 pm
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 3014

Re: Puerto Rico

We went a couple years ago and had a blast. Stayed at the Caribe Hilton. The Pina Colada Club had fantastic fish tacos. They were so good I think we had them 3 (yes, THREE) times. http://www3.hilton.com/en/hotels/puerto-rico/caribe-hilton-SJNHIHH/dining/index.html Spent a day looking around Old San ...
by boglebill
Sat Nov 22, 2014 8:51 am
Forum: Personal Consumer Issues
Topic: Learning to Type
Replies: 14
Views: 1872

Re: Learning to Type

Typing club looks great. I learned on Mavis Beacon almost 30 years ago. I still remember the game mode, that's where I spent most of my time.
(this message brought to you at 95+ WPM)
by boglebill
Sun Sep 07, 2014 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is Prepaid College Fund a Qualified 529 Expense?
Replies: 7
Views: 630

Re: Is Prepaid College Fund a Qualified 529 Expense?

I would like to amend my post to state "withdraw or rollover to fund". Thanks for both your input! Sounds like a call to FL Prepaid is first on my to do list. When I purchased a plan in 2009 they weren't very helpful, almost to the point of being misleading. I'll have to get a second opini...
by boglebill
Sun Sep 07, 2014 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is Prepaid College Fund a Qualified 529 Expense?
Replies: 7
Views: 630

Is Prepaid College Fund a Qualified 529 Expense?

This year the Florida Legislature passed a bill to reduce prepaid college fees!!! In 2008 the 4 year university plan ran about 20k. Last year it was over 50k. This bill brings the price back down to about 27k (and back credits certain prepaid plans, wow!). http://www.myfloridaprepaid.com/what-we-off...
by boglebill
Fri Aug 01, 2014 9:46 am
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 6107

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

Everyone being happy and not feeling like they were taken for a ride = most important. It sounds like that has been accomplished, so we could stop there. We rent a house annually with relatives. Sometimes they pick a rental that is far too expensive for our taste. We have stated our budget and that ...
by boglebill
Sun Jul 06, 2014 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 16227

Re: How to admit/should I admit alcohol problem to employer

It takes a lot of courage to do what you are doing. You have taken the first step and that is GREAT! I don't have more to add, thinking FMLA or short term leave of absence ...
by boglebill
Sun Jun 22, 2014 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5702

Re: Poll: Dave Ramsey - Harmful or helpful?

Overall he does good things. I used to love listening to Dave Ramsey. I am fascinated by personal finance, budgeting, etc. I'm not sure if the newness wore off, or if he changed, but I often find myself thinking "what a conceited jerk." He is horribly rude and talks down to people too much...
by boglebill
Sun Jan 19, 2014 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 13086

Re: Low Income, High Net Worth - Stories Of

fisher_man89 wrote:Kids are people and need very little, yet want much.
What kids need most is free: love, encouragement, protection, boundaries, and instruction.


Beautiful!
by boglebill
Fri Jul 19, 2013 6:20 am
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 17288

Re: [Sad news - Pat Larimore]

Taylor - very sorry to hear about your wife.
The video is a beautiful tribute.
by boglebill
Sun Jun 23, 2013 4:27 pm
Forum: Personal Consumer Issues
Topic: Beef brisket
Replies: 53
Views: 6918

Re: Beef brisket

Late to the party ... I try to disrupt things as little as possible. Also I monitor temps, extreme changes is bad. Ideally smoker is 205-220 As long as smoker is right temp, I don't worry about the meat when it stalls, just roll with it. Brisket needs to hit a higher temp so all the connective tissu...
by boglebill
Fri Apr 12, 2013 7:30 pm
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 8470

Re: Spouse wants to purchase a bicycle for 5000.

As a fellow cyclist, if household can stomach the expense ... GO FOR IT! Equipment costs have risen quite a bit in the last few years. A $2k bike is now $3300+. $5k bike is high end, but not top of the line. Personally, I would love a new bike but can't justify the expense while my current bikes (ma...
by boglebill
Sat Mar 02, 2013 9:45 am
Forum: Local Chapters and Bogleheads Community
Topic: The Munchkin Man Diet
Replies: 120
Views: 11556

Re: The Munchkin Man Diet

For some reason or another, within the last week or two I was thinking about The Munchkin Man. I looked all over and also saw he had not so much as logged in for a very long time.

Glad to see you're doing great and you're back! Great accomplishment!
by boglebill
Wed Nov 07, 2012 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Anyone recently refinance a rental property?
Replies: 7
Views: 858

Re: Anyone recently refinance a rental property?

I did a HARP 2.0 last year at 4.75% on a rental. Negative LTV.

However - it was NOT a NO COST situation. They added about 3-4k in stamps, fees, etc.

Regardless, helped cashflow.
by boglebill
Fri Oct 19, 2012 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity brick and mortar locations
Replies: 14
Views: 1447

Re: Fidelity brick and mortar locations

Fidelity is my primary source. There isn't a branch within 2 hours of me.
Never a problem.

If needed (extremely rare), I have visited branches in other cities on vacation or while traveling.
by boglebill
Mon Oct 08, 2012 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Savings Plan Beneficiary Tax Considerations
Replies: 4
Views: 435

Re: 529 Savings Plan Beneficiary Tax Considerations

I'm not an expert. You may be able to open the 529 for yourself. With you named as the beneficiary/student. Then later on - you would do a 529 transfer to one set up for your child or nephew. This is how it was explained to me when I asked about opening 529's and unspent money or transfering between...
by boglebill
Wed Oct 03, 2012 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Looking to switch to online checking- ING or Fidelity?
Replies: 37
Views: 4444

Re: Looking to switch to online checking- ING or Fidelity?

Late to the party, but I have been using Fidelity for most of my assets for years. Billpay, debit, etc are easy. I don't have a local branch nearby which has been less than desirable on a few occasions, but not impossible to work around. What can one do (from a checking account perspective) at a Fi...
by boglebill
Mon Oct 01, 2012 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Looking to switch to online checking- ING or Fidelity?
Replies: 37
Views: 4444

Re: Looking to switch to online checking- ING or Fidelity?

Late to the party, but I have been using Fidelity for most of my assets for years. Billpay, debit, etc are easy.

I don't have a local branch nearby which has been less than desirable on a few occasions, but not impossible to work around.
by boglebill
Sat Jul 07, 2012 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Why retire in June, of all months?
Replies: 52
Views: 4834

Re: Why retire in June, of all months?

A lot of people who work for the State of Florida retire in June because the State fiscal year starts July 1.

A lot of legisltation goes into effect July 1. So when they change retirement rules, people jump ship before the new rules backslap them.
by boglebill
Thu May 31, 2012 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement decision - Parent asking me for advice
Replies: 24
Views: 1625

Re: Retirement decision - Parent asking me for advice

Does it really work like this? Can you name a child or grandchild who will then get your benefit throughout their lifetime [after you pass]?

I am naive when it comes to survivor benefits, I thought it had to be a spouse.
by boglebill
Mon Apr 16, 2012 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: split from Renting Room of Personal Residence
Replies: 6
Views: 272

split from Renting Room of Personal Residence

Leases should be written to protect both sides. This is illegal: "I changed the locks and I was waiting for him outside when he came home from work to let him know that it was time for him to move." You don't need a lease to be required to go through formal eviction process. "If I had...
by boglebill
Mon Apr 16, 2012 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Renting Room of Personal Residence
Replies: 4
Views: 956

Re: Renting Room of Personal Residence

A lot of little things to consider ... Furniture? Parties? Utilities? Would you claim this as unreported income? To be honest - probably not worth the hassel. If it's a period of 6 months and 1 day or longer: maybe. For example, in Florida, anything under 6 months and 1 day - you have to register wi...
by boglebill
Mon Apr 16, 2012 9:52 am
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1953

Re: BogleBill is ready ...

MHC and Kevin - thanks for continuing to help! Thanks for the new view YDNAL! Kevin - I revised to shoot for 70/30 but I missed the mark a little :? ... I've convinced myself that first pass is liquidate and rearrange to the general form ... then rebalance from there to square things up. I over-spen...
by boglebill
Sun Apr 15, 2012 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1953

Re: BogleBill is ready ...

Ok - first crack at this ... shooting for 70/30, 20% International ... I put together a massive spreadsheet and if correct, the calculations are: 53.97% US Equity (~14% mid-cap, ~3% small cap) 20.53% International 25.00% Bonds His ROTH - 33.6% 20.16% Total - FSGUX - Spartan Global ex U.S. Index Fund...
by boglebill
Fri Apr 13, 2012 10:58 am
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1953

Re: BogleBill is ready ...

Thank you for the replies! I have the data in a spreadsheet and will fill in the fine allocation details this weekend and post the results for review. I do appreciate the help! - I think the missing piece in my mind clicked when MHC and Kevin said to pick the best ERs in the 401k's and work backward...
by boglebill
Thu Apr 12, 2012 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1953

BogleBill is ready ...

I posted our portfolio almost 3 years ago . I'll be honest ... I haven't pulled the trigger on re-allocating like I should have. We have continued to fund the accounts, but I was trigger shy. I'm ready. Emergency Fund: Yes (not included below). There are several scenarios because we are dual income ...
by boglebill
Mon Apr 02, 2012 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How should one deal with adult children's finances?
Replies: 144
Views: 7873

Re: How should one deal with adult children's finances?

I told him to pack his stuff and I drove him to a cheap motel where I paid for a weeks' lodging and told him, " I love you, but it is time to stand on your own two feet". That was over 20 years ago. We have a very good relationship now. Recently he told me that I should have kicked him ou...
by boglebill
Mon Apr 02, 2012 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard sent me a check for a penny
Replies: 25
Views: 2473

Re: Vanguard sent me a check for a penny

This must be why their fees are so high!

(If you can't tell - that's a joke!)
by boglebill
Fri Mar 30, 2012 11:02 am
Forum: Personal Consumer Issues
Topic: Fidelity password security policies
Replies: 27
Views: 5240

Re: Fidelity password security policies

I never click financial institution email links. I type the site by hand.

In rare cases I have quadruple checked a link before copying and pasting it myself.

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