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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 Jul 06, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10211

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 Jun 22, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5060

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
Sun Jan 19, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 12326

Re: [Sad news - Pat Larimore]

Taylor - very sorry to hear about your wife.
The video is a beautiful tribute.
by boglebill
Fri Jul 19, 2013 7:20 am
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 15822

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
Sun Jun 23, 2013 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Beef brisket
Replies: 53
Views: 5961

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
Fri Apr 12, 2013 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 7991

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
Sat Mar 02, 2013 10:45 am
 
Forum: Local Chapters and Bogleheads Community
Topic: The Munchkin Man Diet
Replies: 120
Views: 10784

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
Wed Nov 07, 2012 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone recently refinance a rental property?
Replies: 7
Views: 811

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
Fri Oct 19, 2012 6:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity brick and mortar locations
Replies: 14
Views: 1313

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
Mon Oct 08, 2012 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Savings Plan Beneficiary Tax Considerations
Replies: 4
Views: 403

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
Wed Oct 03, 2012 6:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking to switch to online checking- ING or Fidelity?
Replies: 37
Views: 4250

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
Mon Oct 01, 2012 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking to switch to online checking- ING or Fidelity?
Replies: 37
Views: 4250

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
Sat Jul 07, 2012 6:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Why retire in June, of all months?
Replies: 52
Views: 4706

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
Thu May 31, 2012 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement decision - Parent asking me for advice
Replies: 24
Views: 1603

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 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: split from Renting Room of Personal Residence
Replies: 6
Views: 250

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 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting Room of Personal Residence
Replies: 4
Views: 921

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
Mon Apr 16, 2012 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1916

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
Sun Apr 15, 2012 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1916

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
Fri Apr 13, 2012 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1916

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
Thu Apr 12, 2012 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1916

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 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should one deal with adult children's finances?
Replies: 144
Views: 7665

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
Mon Apr 02, 2012 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sent me a check for a penny
Replies: 25
Views: 2438

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.
by boglebill
Fri Mar 30, 2012 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity password security policies
Replies: 27
Views: 3593

Re: Fidelity password security policies

Or option 3) Only store the number hash, and convert the password you type in on the website to the number version, then hash that to compare. It seems they only store the number hash as you can log on to the website using the phone pad numbers as your password. Hadn't thought about that, but also ...
by boglebill
Fri Mar 30, 2012 11:43 am
 
Forum: Personal Consumer Issues
Topic: Fidelity password security policies
Replies: 27
Views: 3593

Re: Fidelity password security policies

Not having worked for Fidelity or seen the code, I can't say for certain. But I do have (blind) faith that they aren't storing plain text data like that. As a technologist, my guess is that there are TWO hashes. 1) Direct match - Very sensitive. 2) Phone match - Arguably more loose. Since you typed ...
by boglebill
Fri Mar 30, 2012 10:35 am
 
Forum: Personal Consumer Issues
Topic: Fidelity password security policies
Replies: 27
Views: 3593

Re: Dating and Personal Finances... How important to you?

There was a girl I was pretty serious about. Personal finance is an area that interests me. Somehow I asked her if she had looked at her credit report - and she said that she had never looked at it! She owned a home and had a car note, so she assumed her credit was ok. Sure, in the back of my mind i...
by boglebill
Thu Mar 08, 2012 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dating and Personal Finances... How important to you?
Replies: 57
Views: 3256

Re: Prepaid tuition?

The Florida prepaid plan has been absolutely ruined by Florida lawmakers. The current cost is over $50k for a single child. 3-4 years ago this would have been $14k. In the past 3-4 years they have raised costs at the maximum levels, as well as invent fees such as "differential" to bring in...
by boglebill
Wed Feb 22, 2012 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prepaid tuition?
Replies: 27
Views: 2101

Re: Fidelity Brokerage account

Yes, you can!

Look at the bottom of this link for routing information:
http://personal.fidelity.com/products/c ... osit.shtml
by boglebill
Tue Feb 07, 2012 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Brokerage account
Replies: 5
Views: 605

Re: My Inheritence, Your Opinions

I'm not the smartest tool in the shed ... I can't wrap my head around how OP can afford to pay 450k in mortgages and support a family of 5 on stated salary.
by boglebill
Sat Jan 07, 2012 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: My Inheritence, Your Opinions
Replies: 50
Views: 3371

Re: Saver vs Spender marriage, single income, budget, goals-

I have enjoyed reading this thread since yesterday. I was taken back how Poster talked about his wife - it made her sound like an ugly person. We all need to realize that this is his side of the story. Reading the entire post, it seems restrictive the way things for the children are included in her ...
by boglebill
Thu Jan 05, 2012 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saver-Spender marriage, single-income, budget -- SHORTENED!
Replies: 97
Views: 8472

Re: Should I sell my truck or keep it?

The S10 is the perfect size utility truck --- yard trash, bikes, large purchase items ... My 1998 S10 is running very well. I am the original owner, original clutch, over 150k miles. We had it as a 3rd vehicle for several years. I ended up buying a full size and gifted the S10 to a relative. Most th...
by boglebill
Tue Jan 03, 2012 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Should I sell my truck or keep it?
Replies: 25
Views: 1457

Re: Need advice on Florida real estate problem

My apologies ... just dawned on me that you are the lender, not co-signer.
by boglebill
Wed Dec 28, 2011 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on Florida real estate problem
Replies: 12
Views: 1300

Re: Need advice on Florida real estate problem

As you already know, if you didn't have a legal agreement between the two of you, he is not legally obligated to pay you back. Thinking business-wise: 1) What is market rent? 2) If it were a rental, would you cut bait and take the loss? As far as your son ... qualifying the want to help vs enabling ...
by boglebill
Tue Dec 27, 2011 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on Florida real estate problem
Replies: 12
Views: 1300

Re: When lendors run your credit...

There is a period of time where mortgage related inquiries do not negatively impact your credit more than a single inquiry.

http://www.myfico.com/crediteducation/c ... iries.aspx
by boglebill
Tue Dec 27, 2011 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: When lendors run your credit...
Replies: 3
Views: 419

Re: My Christmas present to the Bogleheads . .

Thank you for your service.
by boglebill
Mon Dec 26, 2011 11:42 am
 
Forum: Personal Consumer Issues
Topic: My Christmas present to the Bogleheads . .
Replies: 65
Views: 4839

Re: Salary Negotiation

Bottom line: What is the position's rate in the destination market? (without personal sentiment) Rambling: - I'm a little gray on your use of the word "nominal". Do you mean current combined salaries? - You said you already feel overpaid, yet are comfortable asking for a 35% raise? - You s...
by boglebill
Wed Dec 21, 2011 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation
Replies: 1
Views: 648

Re: Heart attack

Sending good vibes!
by boglebill
Tue Dec 06, 2011 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Heart attack
Replies: 32
Views: 2693

Re: You get what you pay for

Solid wood furniture.
(and not that veneer crap they call solid wood)
by boglebill
Mon Dec 05, 2011 11:07 am
 
Forum: Personal Consumer Issues
Topic: You get what you pay for
Replies: 42
Views: 2724

Re: Any single speed enthusiasts?

I have wanted a single speed 29er the past year or so. I thought it would be good to have for local trails, using the baby trailer on relatively flat terrain, and when I ride to work (once a week-ish). Also, not having the gears would save money on parts that wear out and need replacement! However, ...
by boglebill
Fri Nov 11, 2011 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Any single speed enthusiasts?
Replies: 31
Views: 2242

Re: Nightmare mortgage story - advice sought

I would imagine the variable rate is better now than it was then. So is it costing them extra at this point?

In any event ... it's been almost a decade. Just refinance and move on.
by boglebill
Wed Nov 09, 2011 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Nightmare mortgage story - advice sought
Replies: 11
Views: 1400

Re: tipping for bday hostess? where does it end?

jeff mc wrote:cost about $300 (but received about $300 back in presents at ~$15 per present * 20 kids)

I'm speechless. I hope looking for Rate of Return was just having fun with math.

I would have left the "probably vastly underpaid" person a tip.
by boglebill
Sat Oct 29, 2011 9:19 pm
 
Forum: Personal Consumer Issues
Topic: tipping for bday hostess? where does it end?
Replies: 54
Views: 4095

Quicken loans is legitimate. I have heard a lot of good things about them. I used them in 2004, for about 6 months on new construction, right up until closing and they couldn't close me! Back then they took $450 when you signed up with them as an advance for appraisal, etc. Not sure about now. They...
by boglebill
Tue Oct 04, 2011 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: A friend contemplating Quicken no-fee refinancing...
Replies: 3
Views: 872

Re: Tenant check services when renting my house to a new ren

Alskar wrote:TVS also allows me to submit payment history to credit reporting agencies.


That is a VERY nice feature!!!
by boglebill
Sun Oct 02, 2011 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Tenant check services when renting my house to a new renter
Replies: 11
Views: 1671

This seems to be cheaper service than Mr Landlord. Thanks for recommeding this. Btw, what kind of report do you normally get? Seems like 'Mini Report' should be good enough as it lists evictions One thing to note - the applicant has to fill out related fields or they won't be able to do the backgro...
by boglebill
Fri Sep 30, 2011 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Tenant check services when renting my house to a new renter
Replies: 11
Views: 1671

Also, you have to be willing to give of yourself.

I just got a call from my wife. Someone needs to bring a clean pair of pants to school. Today, that someone is me!

:)
by boglebill
Thu Sep 29, 2011 10:29 am
 
Forum: Personal Consumer Issues
Topic: Question for bogleheads with no kids
Replies: 225
Views: 13590

Bogles are a rare breed where everyone makes 150k+ a piece, contribute more to retirement accounts than most families make in a year -- and apparently, don't want offspring . This is a huge generalization. I actually bet that the opposite is true. John Bogle and his wife Eve have six children. Some...
by boglebill
Thu Sep 29, 2011 10:25 am
 
Forum: Personal Consumer Issues
Topic: Question for bogleheads with no kids
Replies: 225
Views: 13590

I have been using TSCI for the better part of 5 years (a friend recommended them).
http://www.tsci.com/

In my experience they are fast, reliable, professional and knowledgeable.
by boglebill
Thu Sep 29, 2011 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Tenant check services when renting my house to a new renter
Replies: 11
Views: 1671

Bogles are a rare breed where everyone makes 150k+ a piece, contribute more to retirement accounts than most families make in a year -- and apparently, don't want offspring. I wish more people posted in here about wanting and having kids. We have children. Always figured I would. It keeps the family...
by boglebill
Thu Sep 29, 2011 8:37 am
 
Forum: Personal Consumer Issues
Topic: Question for bogleheads with no kids
Replies: 225
Views: 13590

If you don't carry a balance, the penfed card can be a really good deal! 5% CASH BACK ON GAS PURCHASES PAID AT THE PUMP 2% CASH BACK ON DINING THRU 8/31/11 1% CASH BACK ON EVERY OTHER QUALIFIED PURCHASE. Total fees charged in 2011 0.00 Total interest charged in 2011 0.00 EARNED 1% REBATE YEAR TO DAT...
by boglebill
Wed Sep 28, 2011 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed creditcard
Replies: 12
Views: 1588
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