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Post Retirement Life Insurance from work place

Hi BHs: At our work place we are offered this post retirement life insurance which I benefit once I retire at 65. (atleast 30 yrs away from it) Caveat to benefit this: I should be employed with the same company when I retire. Nowadays not many people stay with their companies for 30 yrs. I will be p...
by energy2025
Thu Oct 16, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Post Retirement Life Insurance from work place
Replies: 1
Views: 171

Re: Balance Transfer Credit Card 1% fee, no APR for 1 year

Thanks guys.

Provided me things to ponder..
by energy2025
Thu Oct 16, 2014 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer Credit Card 1% fee, no APR for 1 year
Replies: 9
Views: 342

Re: Balance Transfer Credit Card 1% fee, no APR for 1 year

Thanks.

I have factored in monthly payments and the card limit is $25K.
by energy2025
Thu Oct 16, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer Credit Card 1% fee, no APR for 1 year
Replies: 9
Views: 342

Balance Transfer Credit Card 1% fee, no APR for 1 year

Hello BH: I am eligible for a balance transfer at 0% APR till Jan 20 16 and 1% fees on the amount I balance transfer. They can issue me check or transfer in account if needed. My question is what are the things to keep in mind other than currency risk if I withdraw say $5000 ( fees will be $50, 1%) ...
by energy2025
Thu Oct 16, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer Credit Card 1% fee, no APR for 1 year
Replies: 9
Views: 342

Re: Backdoor Roth Step By Step

Sorry folks another question.. If you have done a roll over IRA(from old employer to new employer), can you still initiate back door Roth?

It would be my first time.

Thanks,
Energy0038
by energy2025
Sun Sep 21, 2014 1:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Step By Step
Replies: 20
Views: 2534

Re: Importing business for poly bags

Thanks Rob. The manufacturer would my extended family as they run it in India n China ( small scale). They have never exported out of manufacturing countries. So I am not concerned on quality, but yes on lead times. I am still learning this. My goal is to start small and see where it takes. Any tips...
by energy2025
Sun Sep 14, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Importing business for poly bags
Replies: 5
Views: 737

Importing business for poly bags

Hello BH,

Any guidance or links on how to set-up a importing business for polyethylene ( HDPE, LDPE, etc ) in state of Texas/California, would be appreciated. They would be manufactured in China, India, etc.

Pitfalls to start one, guidance, etc..also welcomed.

Thanks,
energy1708
by energy2025
Sat Sep 13, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Importing business for poly bags
Replies: 5
Views: 737

Re: Best Large Purchase(s) Ever?

Not the largest purchase but tempurpedic bed was the best investment...

Regards,
1742
by energy2025
Tue May 27, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Best Large Purchase(s) Ever?
Replies: 45
Views: 3293

[Visiting] Destin, FL

Hello,

Any tips for visiting destin, fl and surrounding areas. Like places to go, visit, etc. we have already decided to stay in a condo. We are not fishing fans.

Are 4 days a lot of time to spend in Destin?

Thanks,
Energy 1904
by energy2025
Thu May 22, 2014 8:04 pm
 
Forum: Personal Consumer Issues
Topic: [Visiting] Destin, FL
Replies: 21
Views: 1853

Re: Cigna HMO plan- Dr says she will not take HMOs anymore

The issue is it is not PCP, it is a specialist for OBGYN. Thanks for the comments.

We had looked into insurance and then taken HMO.

We have already found a new doctor now.

Taken,
Jkkuhk
by energy2025
Fri May 16, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cigna HMO plan- Dr says she will not take HMOs anymore
Replies: 16
Views: 1534

Cigna HMO plan- Dr says she will not take HMOs anymore

Hello: We r in a bind as the doctor says she will not accept HMO plans anymore. When I contacted Cigna, they said she is on the contract and should take you as patient. Cigna says we can file complaint on your behalf but what will I get out of it. What can we do? We cannot change insurance in the mi...
by energy2025
Thu May 15, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cigna HMO plan- Dr says she will not take HMOs anymore
Replies: 16
Views: 1534

last min international flights

Hello Bogleheads:

Any websites or tips which provide good deals for last minute international flights booking? Last minute means 4-7 in advance.

regards,
wiser
by energy2025
Tue Apr 29, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: last min international flights
Replies: 8
Views: 1093

Re: How much is a fair hourly fee?

Why not charge little higher for the first hr with every client and then fix for remaining hrs? Like $500 first hr and then $300 for any additional hrs.

energy2326
by energy2025
Tue Mar 04, 2014 1:26 am
 
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 5165

Re: Kiplinger's,Money or any other publication.....

I have enjoyed Kiplingers and Barrons in the past. They both take up a lot of time and have not kept up with them.

I still find time to read Fortune to keep me posted with general macro economy news.

Regards,
energy2025
by energy2025
Tue Feb 25, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Kiplinger's,Money or any other publication.....
Replies: 10
Views: 1065

Re: Penfed auto loan issue

Thanks all.

G-money- There was no way knowing that the rates will be increased in Feb and that's why I took my time to submit paperwork.

Thanks.
by energy2025
Thu Feb 13, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Penfed auto loan issue
Replies: 6
Views: 394

Penfed auto loan issue

Hello BH: I had applied for 1.49% 48 months auto loan via Penfed (last week of Jan). The paperwork was submitted on 31st Jan & 1st Feb. On 1st Feb they changed their rates to 1.99%. When I received paperwork of approved loan, the rate mentioned 1.99%. I had called Penfed on 1st Feb confirming th...
by energy2025
Thu Feb 13, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Penfed auto loan issue
Replies: 6
Views: 394

Re: Back door Roth question

Thanks everyone.

Do u need to have a separate company or something for solo 401(k)? Other than my regular full time job, I have made like $5000 tutoring paid in check. Can this be sufficient to open solo 401 (k)?

Thanks,
Energy2140
by energy2025
Thu Dec 19, 2013 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back door Roth question
Replies: 8
Views: 774

Back door Roth question

Hello BHs: As our income exceeds the contribution limits for conventional Roth IRA, we are looking into back door Roth IRA. In order to benefit from the backdoor, why must I transfer my Rollover IRA $100K (which was from previous 401 (K) employer) to current 401 (K) plan ($20K)? I really don't want ...
by energy2025
Thu Dec 19, 2013 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back door Roth question
Replies: 8
Views: 774

Auto insurance progressive

Hi all,

I m wondering if everyone's auto insurance been rising past 2 yrs. I have insurance with Progressive and every 6 months for last 2 yrs my insurance has been going up?

I have not changed address as well as no change in driving history.

Any thoughts?

Regards,
Energy 2140
by energy2025
Mon Dec 16, 2013 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto insurance progressive
Replies: 1
Views: 214

Health Insurance comparison (working couple)

I was wondering if there is a way to compare health insurances other than doing it manually. My wife and I have insurance through our employers. Her employer pays for the employees (free) and my employer does not pay for the employee. We have 1 kid. Both are with same insurance company. My questions...
by energy2025
Wed Oct 09, 2013 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance comparison (working couple)
Replies: 0
Views: 158

Re: Help analyze/criticize my portfolio

Sorry, but I am eager to know which industry pays $275K for individual in their 30s..I know finance or oil/gas can pay for certain individuals..

bur confirmation would be appreciated.

Regards,
energy2025
by energy2025
Thu Sep 12, 2013 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Help analyze/criticize my portfolio
Replies: 14
Views: 1719

[Kuala Lumpur] KL, Malaysia

What would the must see things in KL for someone visiting for business for 5 days? One Sunday and remaining weekdays ( only evenings)

And Also things to shop?

Thanks,
energy2350
by energy2025
Sun Sep 08, 2013 12:50 am
 
Forum: Personal Consumer Issues
Topic: [Kuala Lumpur] KL, Malaysia
Replies: 9
Views: 984

Re: Childcare costs

I fully agree that child care costs are expensive. I don't understand how a average American can afford this...in houston, we pay almost $1000/month for a single toddler and then they have extra for soccer, Spanish,etc.. Would be interested to know the profit margins and expenses of running a day ca...
by energy2025
Tue Aug 27, 2013 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Childcare costs
Replies: 43
Views: 3015

home security system (wireless)

Hello BHs:

Any recommendation for wireless home security providers in Texas? I tried ADT but it seems to be expensive. Minimum is $40/month and go upto $60 with additional gadgets like smart switches, camera, etc. also, there will be up front cost for this equipment.

Thanks,
energy2312
by energy2025
Fri Aug 23, 2013 12:12 am
 
Forum: Personal Finance (Not Investing)
Topic: home security system (wireless)
Replies: 8
Views: 1241

Home protection plan

Hi all, We live in a house (town home, PUD) which is 10 yrs old but we bought it a year ago. During the buying, we had home protection plan included in the deal. It is now time to renew it and it about $600/year. We did not use it last year for anything. We currently have American home shield. My qu...
by energy2025
Mon Aug 19, 2013 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home protection plan
Replies: 5
Views: 479

Re: Wrist Watches

I have used worldofwatches.com.

Never had any issues and the watch has worked just fine over last 5 years.

energy2111
by energy2025
Sun Jul 14, 2013 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 7277

Re: Quality Sunglasses

You should look into
http://www.gatorz.com/

Good glasses reasonably priced. They don't do much marketing. Thy are also made in America unless most of other brands.

http://www.howtobuyamerican.com/content ... sses.shtml

Thanks,
Energy1912
by energy2025
Sun Jun 30, 2013 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Quality Sunglasses
Replies: 52
Views: 6823

Re: Buying physical gold

I have typically bought from Apmex website and buy 1 oz credit Suisse or pamp bars.

Good service and no hassles.

Energy2106
by energy2025
Tue Jun 25, 2013 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying physical gold
Replies: 46
Views: 4340

Re: Do you pay for access to www.nytimes.com ?

We pay for NY Times. We don't have cable at home and seem to find NY times more valuable. It is the most qualified journalism and enjoy every bit of it. I also think it covers international news also pretty damn well.

You pay for what you get!

Regards,
energy2230
by energy2025
Fri Jun 07, 2013 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Do you pay for access to www.nytimes.com ?
Replies: 30
Views: 2744

Re: Weekly Electricity Analysis (answers for electric provid

Interesting conversation. Thanks for all the BH for chimming in. energy (OP): Hi- I have been receively e-Sense Weekly Summary and had few questions on it. energy: I dont think I have a Samrt Meter installed at my home so was wondering how are estimating my usage adn breaking it down between refirge...
by energy2025
Thu May 16, 2013 10:39 am
 
Forum: Personal Consumer Issues
Topic: Weekly Electricity Analysis
Replies: 38
Views: 2148

Re: Fidelity has the best customer service I know of

Fidelity, Troweprice both are great. TRowe Price was very pleasant eve if I wanted to transfer the funds to Fidelity.
by energy2025
Mon May 13, 2013 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity has the best customer service I know of
Replies: 57
Views: 3709

franchise information

BH:

Are there any franchise forums or website where I can check out some of the interesting franchises for example nurse next door, jamba juice, etc? Pitfalls, advantages, liabilities, etc..

Thanks,
energy 1808
by energy2025
Mon May 13, 2013 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: franchise information
Replies: 0
Views: 308

Re: Weekly Electricity Analysis

Sorry been out, will provide answers by tomorrow.
by energy2025
Mon May 13, 2013 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Weekly Electricity Analysis
Replies: 38
Views: 2148

Re: Weekly Electricity Analysis

Have you switched to energy efficient bulbs? Yes, this is the first thing we did.. Other than restrooms everywhere we have EE bulbs. Do you have an electric stove, clothes drier, and/or hot water heater? Gas stove, electric clothes drier and hot water heater, this ones runs on gas Do you have a cen...
by energy2025
Wed May 08, 2013 9:21 am
 
Forum: Personal Consumer Issues
Topic: Weekly Electricity Analysis
Replies: 38
Views: 2148

Weekly Electricity Analysis

Hello: We get weekly email about our electricity consumption. We live in townhome built in 2004 and we moved about a year ago. Breakdown of electricty for past week: Base usage- 10%, Usage- 20 kWh Refrigerator- 6%, Usage- 11.5 kWh Heating & Colling- 20%, Usage- 42 kWh Other- 65%, Usage- 136 kWh ...
by energy2025
Wed May 08, 2013 12:40 am
 
Forum: Personal Consumer Issues
Topic: Weekly Electricity Analysis
Replies: 38
Views: 2148

Re: Buying car from rental companies such as Enterprise, etc

Thansk everyone. It seems largely a positive experience.
by energy2025
Tue Apr 23, 2013 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying car from rental companies such as Enterprise, etc..
Replies: 16
Views: 1644

Buying car from rental companies such as Enterprise, etc..

Would there be any reason not to buy a car from rental companies? I understand numerous drivers would have driven the vehicle but I guess rental companies would have maintain them pretty well. I was looking at penfed website where they have some special APR to buy enterprise rental cars. I am lookin...
by energy2025
Mon Apr 22, 2013 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying car from rental companies such as Enterprise, etc..
Replies: 16
Views: 1644

Re: Would appreciate Bogleheaded advice on a vehicle purchas

Another one for Nissan Rogue base model. I got it primarily for the wife and kid. Good decent SUV, gives good mileage about 25 mpg in city traffic. Using it for last couple of years. We compared between CRV, CX-5, Sportage and couple other cars but we found this one to be the best under $20K. I did ...
by energy2025
Thu Apr 11, 2013 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Would appreciate Bogleheaded advice on a vehicle purchase
Replies: 48
Views: 3393

Re: Time to celebrate? One goal met.

Nicely done :moneybag , congrats.
Keep it up, you are an inspiration to lot of junior Bogleheads!
by energy2025
Thu Apr 11, 2013 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to celebrate? One goal met.
Replies: 48
Views: 5065

Re: Should my wife keep working or become a stay-at-home mom

In my 7 years of marriage, I believe it pays to listen to your wife. And it should be her telling you want she wants to do. We can plan as much as we would like!

Good luck,
Energy 2159
by energy2025
Sat Apr 06, 2013 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8466

Re: Houston Chapter

I can meet on Sunday...

energy2025
by energy2025
Tue Apr 02, 2013 10:31 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 27
Views: 4910

Re: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgag

Oops, I had not thought or aware that I can take HEL to lower the payments: Up to 60 Months- 2.49% APR. What I meant by reasonably confident was that I am willing to take this calculated risk. I will have to evaluate whether that risk is worth saving approx $1500. Starting next year, my partner will...
by energy2025
Tue Apr 02, 2013 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgage
Replies: 18
Views: 1743

Re: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgag

Brian:

The 5/5 ARM is a 30-year amortization. As mentioned earlier, I am reasonably confident to pay-off the loan in 5 yrs or sooner.

Thanks.
by energy2025
Tue Apr 02, 2013 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgage
Replies: 18
Views: 1743

Re: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgag

[Don't forget right now they are offering a promo to not only pay your closing costs, but pick up the first month's bill. That could easily inflate the total savings over such a short timeframe.quote][/quote]

Thanks for brinign this up.. I forgot to mention this in the blog..
by energy2025
Tue Apr 02, 2013 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgage
Replies: 18
Views: 1743

Re: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgag

"ten days ago on a 30 year, 3.0%, 3.04 APR, 30 year PenFed refi."

Did u pay closing on it and /or points?

Thanks..
by energy2025
Tue Apr 02, 2013 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgage
Replies: 18
Views: 1743

Re: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgag

I guess couple of hrs of hassle (as I have all the paper work ready) is worth for $600. But I will think more on it now as you brought it up.

Thanks...
by energy2025
Tue Apr 02, 2013 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgage
Replies: 18
Views: 1743

Re: I won an iPad, should I keep it?

I would be interested in buying from a boglehead..

Let me know..

energy1431
by energy2025
Tue Apr 02, 2013 3:38 pm
 
Forum: Personal Consumer Issues
Topic: I won an iPad, should I keep it?
Replies: 27
Views: 3203

Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgage

Hello Bogleheads: Loan amount- $190K Home value- $240K Location- Houston, TX Currently, I have locked in with 15 yr fixed mortgage at 3.0% Interest Rate and 3.1% APR. 6 months into the mortgage, the closing was paid by seller when we bought the house in Q3 last year. I am thinking of refinancing it ...
by energy2025
Tue Apr 02, 2013 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgage
Replies: 18
Views: 1743

Re: Houston Chapter

Even I was interested if Houston chapter has any meetings? Would be happy to volunteer..

Energy0817
by energy2025
Thu Mar 28, 2013 9:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 27
Views: 4910

Re: Penfed, Ally, or Barclays?

Ally customer service is great. Penned is also good never used Barclatys other than their credit card.
by energy2025
Thu Mar 28, 2013 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Penfed, Ally, or Barclays?
Replies: 13
Views: 3753
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