Search found 250 matches

by femur
Thu Aug 27, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for disability insurance
Replies: 9
Views: 542

Re: Shopping for disability insurance

Shopping for DI is not a fun task, but I applaud you for doing it since i feel it is a very important financial step. I will comment on one thing since other know more about this topic than me. All are noncancellable/ guaranteed renewable and true own occupation to age 65 with an elimination period ...
by femur
Sun Aug 16, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 67
Views: 7423

Re: What's a Bug Out Bag and who uses them?

I have an old backpack i keep under my bed that has dog/cat food and leashes, $400 cash, copies of identifications and insurance policies, some snacks and water bottles, a first aid kit and a couple other minor things. I grab it if there is a fire in my house and need to get out or if there is a hur...
by femur
Wed Aug 12, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6193

Re: Your First Job

I started mowing lawns and babysitting for cash at age 10 or so. My first W2 job was in 1998 at age 15 working at a Halloween pumpkin farm harvesting pumpkins; they could not be harvested by machine otherwise they would be damaged. It was manual labor. $6/hr. After Halloween that year I got a job at...
by femur
Mon Aug 10, 2015 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 5959

Re: Former Housemate Owes Money - What to do?

I agree with others in the thread that small claims is not worth it, but a threat (made more real by certified mail) may bluff her in to paying. As with poker, sometimes in life if you bluff, you win and it costs you nothing. What the OP has not mentioned is how well does his girlfriend know this d...
by femur
Mon Aug 10, 2015 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 5959

Re: Former Housemate Owes Money - What to do?

I agree with others in the thread that small claims is not worth it, but a threat (made more real by certified mail) may bluff her in to paying. As with poker, sometimes in life if you bluff, you win and it costs you nothing. What the OP has not mentioned is how well does his girlfriend know this d...
by femur
Sun Aug 09, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 5959

Re: Former Housemate Owes Money - What to do?

Nobody has mentioned a certified letter. They can be very "scary" and "official looking." If you have ever received one and not known what it is, you know that it is serious. I would recommend the following course of action. Step 1. Email/text one more time a week from now and as...
by femur
Tue May 05, 2015 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 6503

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

PRO: Texas has no state income tax.

CON: You will have to drive much further to attend Cardinals games at Busch Stadium
by femur
Sun May 03, 2015 9:10 am
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 6526

Re: Polls Disabled

I felt the polls were useful and interesting. I am also sorry to see them go.

I do appreciate the significant effort the moderators of this forum put forth,
by femur
Sun May 03, 2015 9:09 am
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 7319

Re: What's new and changed in phpBB 3.1

I am finding that ALL of my forum activity is using 'https' including just browsing through threads. This is great! I don't recall this functionality pre-upgrade. Was this an intended change? Old news, see HTTPS (aka TLS, aka SSL) comes to bogleheads.org - Bogleheads from back in November 2014. I g...
by femur
Sun May 03, 2015 9:02 am
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 7319

Re: What's new and changed in phpBB 3.1

I am finding that ALL of my forum activity is using 'https' including just browsing through threads. This is great! I don't recall this functionality pre-upgrade. Was this an intended change?
by femur
Mon Apr 27, 2015 9:56 am
Forum: Investing - Theory, News & General
Topic: Is keeping my Governmental 457b worth it?
Replies: 3
Views: 312

Re: Is keeping my Governmental 457b worth it?

tenkuky, Thanks for the reply. If an ERISA backed plan, there is the protection that affords from creditors, the IRA would not afford this. I did not consider ERISA protection as a benifit, but you are right in that it may be one. How does one find out if a plan is covered by ERISA? The bogleheads w...
by femur
Mon Apr 27, 2015 9:42 am
Forum: Investing - Theory, News & General
Topic: Is keeping my Governmental 457b worth it?
Replies: 3
Views: 312

Is keeping my Governmental 457b worth it?

Greetings, First, thanks in advance for reading my thread. In my previous job, I had access to a governmental 457b plan that I maxed out every year. I have since left that job, and now I have mixed thoughts about if I should roll it over or keep it as-is. I was wondering if you kind folks could revi...
by femur
Tue Dec 16, 2014 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 10197

Re: Most/Least Boglehead 2014 Activity?

Most: Stayed the course, maximized tax advantaged accounts, cultivated frugality.

Least: Got my debit card info stolen from Target or Home depot and had to deal with filing fraud charges with my bank. Never using a debit card again.
by femur
Thu Dec 11, 2014 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 64
Views: 6260

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I had to twice within the last year!! Once to meet an unexpected deductible in a HDHP where my HSA hadn't been contributed to yet. The other was to buy a new (used) car when my other car bit the dust. Both times the amount was less than 3 months of living expenses. I love having an emergency fund.
by femur
Mon Dec 08, 2014 11:14 am
Forum: Investing - Help with Personal Investments
Topic: 28 y.o. with TRS & loans. Do I contribute to 403b(no match)?
Replies: 3
Views: 614

Re: 28 y.o. with TRS & loans. Do I contribute to 403b(no mat

I also had TRS when I worked for a Texas university. The 457 Plan is AWESOME. For 2015, you can put 18000 in it before Taxes and it has no early withdrawal penalty. I strongly recommend you take advantage of it as well as continue to pay down your student loans. The 457 Plan has an option where you ...
by femur
Wed Nov 12, 2014 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 3474

Re: Local bank without any checking account fees?

I live in Houston and strongly recommend the bank that I use:

http://texascitizensbank.com/

Community bank with no fees :)
by femur
Wed Nov 12, 2014 11:40 am
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 7296

Re: Your car(s) are equal to how many months income

Mine is about 1/2 of one month.
by femur
Tue Nov 11, 2014 12:57 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 52
Views: 8874

Re: Amazon Echo (Alexa)

I got on the waiting list but no invitation yet.
by femur
Mon Nov 03, 2014 9:20 am
Forum: Investing - Theory, News & General
Topic: Shares of my own 'C' Corp in IRA
Replies: 9
Views: 608

Re: Shares of my own 'C' Corp in IRA

A very kind user was nice enough to send me a link to the applicable laws:

http://www.law.cornell.edu/uscode/text/26/4975

I am reading through these now to understand the situation better.

Thanks everybody who has read!
by femur
Mon Nov 03, 2014 8:43 am
Forum: Investing - Theory, News & General
Topic: Shares of my own 'C' Corp in IRA
Replies: 9
Views: 608

Re: Shares of my own 'C' Corp in IRA

Sidney wrote:What does your gut tell you?


It tells me "no" but I cannot find any laws or previous bogleheads post were this was discussed as being illegal.

Is it illegal?
by femur
Mon Nov 03, 2014 8:42 am
Forum: Investing - Theory, News & General
Topic: Shares of my own 'C' Corp in IRA
Replies: 9
Views: 608

Re: Shares of my own 'C' Corp in IRA

Tanelorn wrote:If somehow you're thinking you can put in your personal, taxable money in exchange for nothing and dividend it out to your IRA, well, that's going to
break all sorts of rules and you should stop thinking like that.


Thanks for your answer! Can you tell me some of the rules it would break?
by femur
Mon Nov 03, 2014 8:24 am
Forum: Investing - Theory, News & General
Topic: Shares of my own 'C' Corp in IRA
Replies: 9
Views: 608

Shares of my own 'C' Corp in IRA

Greetings Bogleheads, I thought up an interesting scenario and over an hour of googling at searching have not lead me to an answer, so I come to you wise people in hopes of guidance. I have several questions regarding how shares of C corporation could be treated in a tax sheltered account. Lets say ...
by femur
Tue Oct 14, 2014 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 11176

Re: Relatively new here. What did you do in 2008/09

I might be able to give a different perspective given my age. 2009 was when I started getting very serious about my career. I am in a high-demand field so I was not really worried about job security. Although, I was voluntarily out of work for about a month, I started a full time position in Februar...
by femur
Sun Oct 12, 2014 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Sell Taxable to Fund Roth?
Replies: 6
Views: 550

Re: Sell Taxable to Fund Roth?

I would say "yes absolutely". It is prudent to fill up any tax advantaged space you can.
by femur
Wed Oct 08, 2014 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Accounts View at Schwab
Replies: 2
Views: 236

Re: Accounts View at Schwab

curiouskitty wrote:Yep. I can see checking, savings, brokerage, and Roth IRA on the same screen. It's a lot better organized than Vanguard in my opinion (especially the view with the individual funds)


Thats the answer I was looking for!

Thanks!
by femur
Wed Oct 08, 2014 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Accounts View at Schwab
Replies: 2
Views: 236

Accounts View at Schwab

I have googled for this answer and could not find what I was looking for so I come to the wisdom of the Bogleheads. Does Schwab have the same sort of account consolidation that Vanguard has? To clarify, if I have a Traditional IRA, Roth and 457, can I manage them all from the same online account in ...
by femur
Thu Sep 25, 2014 8:12 am
Forum: Personal Consumer Issues
Topic: What to look for in a homeowner's policy
Replies: 11
Views: 991

Re: What to look for in a homeowner's policy

Another thing to keep in mind is that, in the USA, insurance is fairly heavily regulated by the state. As such, the things policies cover are somewhat close from policy to policy.

The cost differentiation comes from the size of the risk pool and company overhead.

Cheers!
by femur
Mon Aug 25, 2014 1:13 pm
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 6094

Re: S&P500 over 2000

I am a stay-the-course type and have taken no new action based on hitting "2000" but I like to compare my personal circumstances with 2 particular points on the rise of the S&P500 S&P500 at 666: In 2009, I was sitting at my uncles house (I suppose I was "homeless") watchi...
by femur
Wed Jul 02, 2014 1:22 pm
Forum: Personal Consumer Issues
Topic: I am looking to switch IP providers.
Replies: 15
Views: 1055

Re: I am looking to switch IP providers.

Hexdump,

I notice you are in Houston; I am as well. If you have an AT&T phone line, I would recommend looking at this DSL provider: http://oplink.net/dsl.html

They are a local Houston company that offers DSL services and have pretty good customer service.
by femur
Fri Jun 27, 2014 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions - New Member
Replies: 15
Views: 1447

Re: Portfolio Questions - New Member

4. I understand the value in rebalancing and want to do this once each year. When possible, I would like to rebalance each mini-portfolios by contributing NEW money to purchase shares of funds that are “under-performing” rather than selling shares of “over-performing” funds and using those proceeds...
by femur
Wed Jun 18, 2014 10:35 am
Forum: Personal Consumer Issues
Topic: Medical Billing Patient Adovcate Question
Replies: 5
Views: 389

Re: Medical Billing Patient Adovcate Question

Check with the hospital's patient advocate to understand the bills and make sure they are correct; then contact your health insurance to find out why things were denied, not payed, etc - you shouldn't be above your yearly deductible unless there is some quirky reason that only the insurance company...
by femur
Wed Jun 18, 2014 10:26 am
Forum: Personal Consumer Issues
Topic: Medical Billing Patient Adovcate Question
Replies: 5
Views: 389

Medical Billing Patient Adovcate Question

Greetings, My google search of the bogleheads forum for "Patient Advocate" returned few results to I thought it might help to post. Last month I had an unexpected seizure that required a hospital stay of one night and a great deal of medical tests. Although the medical issue was small and ...
by femur
Thu Mar 13, 2014 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is a 457 worth it?
Replies: 15
Views: 1755

Re: Is a 457 worth it?

Greetings, I was a Texas state employee and have this exact same plan. A couple of thoughts: 1. You can access whatever funds you want through the Schwab PCRA. More here: https://texasaver.gwrs.com/preLoginContentLink.do?accu=TexasWR&specificBundle=preLogin&contentUrl=prelogin.457.planhighli...
by femur
Mon Mar 10, 2014 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Best way to shop for insurance? (spreadsheet included)
Replies: 4
Views: 457

Best way to shop for insurance? (spreadsheet included)

Greetings, I just got 2 of my bills for insurance (Renters and Auto) and am tired of seeing my premiums climb. I want to shop for insurance, but I don't really know the best way to go about it. I created This Comparison Spreadsheet to price compare but am not thrilled with the prospect of calling ea...
by femur
Mon Jan 13, 2014 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying extra $5000 I Bonds through tax refunds
Replies: 31
Views: 1970

Re: Anyone buying extra $5000 I Bonds through tax refunds

Im thinking of buying paper I Bonds this year but I probably wont do the full $5000. I am curious if anyone can tell me what denominations I will get. For instance, if I want $550, will I get one $500 bond and 1 $50 bond? I see that form 8888 does not allow me to specify what denominations I prefer...
by femur
Mon Jan 13, 2014 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying extra $5000 I Bonds through tax refunds
Replies: 31
Views: 1970

Re: Anyone buying extra $5000 I Bonds through tax refunds

Im thinking of buying paper I Bonds this year but I probably wont do the full $5000. I am curious if anyone can tell me what denominations I will get. For instance, if I want $550, will I get one $500 bond and 1 $50 bond? I see that form 8888 does not allow me to specify what denominations I prefer.
by femur
Mon Jan 13, 2014 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 30260

Re: High Earners - What's Your Profession?

Very specialized IT consultant in Texas: 140k/yr
by femur
Mon Jan 13, 2014 12:19 pm
Forum: Personal Consumer Issues
Topic: Poll: Understanding the average forum member age
Replies: 56
Views: 5041

Re: Poll: Understanding the average forum member age

But then I notice that I am the 77th one to vote in this poll and I am the only one under 26 so far. Time to get off of Bogleheads and enjoy my youth. There are several of us around(5 thus far) although it does seem we are the minority. I joined bogleheads (or at least was reading threads here as w...
by femur
Mon Dec 23, 2013 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put house money?
Replies: 20
Views: 1955

Re: Where to put house money?

I bet most people here would say that it makes no sense to try for an extra percent or something in return, if you can even get that, while risking the loss of many times that amount while being pinned to the wall to extract that money to buy the house. Admittedly there may be more uncertainty in w...
by femur
Mon Dec 23, 2013 2:36 pm
Forum: Investing - Theory, News & General
Topic: [Are there any] Billionaire Boglehead!!!
Replies: 49
Views: 4813

Re: Billionaire Boglehead!!!

3) Ideas, thoughts welcome!


Ill have my great-grandson update the thread in the year 2110 or so and let you know :)

(im 31 years old)
by femur
Mon Dec 23, 2013 12:37 pm
Forum: Personal Consumer Issues
Topic: Car Dilemma
Replies: 20
Views: 1811

Re: Car Dilemma

1) Money is fungible This means that the money in your right pocket is just the same as the money in your left pocket so what you do with it does not really matter in the grand scheme. Money is money. :) 2) That said, if your parents expressed an intended use for their $5K gift, you should try to h...
by femur
Tue Dec 10, 2013 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: AA checkup and a few questions
Replies: 4
Views: 329

Re: AA checkup and a few question

New annual Contributions $12k his/her 401k (including employer matching contributions) $50k to taxable 2. Should I divert some of the monthly excess cash flow from FDIC to taxable and 401k? I like the flexibility of having it in the taxable In case we ever need it, but am not sure this is the right...
by femur
Tue Dec 10, 2013 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Financial decisions to start a business and family (edited)
Replies: 36
Views: 2499

Re: 145k in student loans, 255k in investments, and UNK Futu

I would also definitely sell and pay off the loans. Think of it as a guaranteed 6.8% return!
by femur
Tue Dec 10, 2013 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: 26 Years Old, First Time Investor
Replies: 6
Views: 774

Re: 26 Years Old, First Time Investor

I thought i would quickly touch on one of your questions: 3) What are your thoughts/suggestions on the mutual fund that I own (Janus Research Fund JAMRX)? I'm inclined to sell it, but I'm wondering if there are any other opinions on this? You should absolutely sell this. The expense ratio is too hig...
by femur
Mon Dec 02, 2013 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Timing a 403(b) rollover to Vanguard; Prorated Distributions
Replies: 2
Views: 128

Timing a 403(b) rollover to Vanguard; Prorated Distributions

Greetings, I have a question that a google search and search of bogleheads forums could not answer. Here it is: I have a 403(b) with fidelity from my previous employer with the following investments: FUSEX (Fidelity Spartan 500 Index Fund Investor Class) FSIIX (Fidelity Spartan International Index F...
by femur
Tue Oct 01, 2013 10:52 am
Forum: Investing - Theory, News & General
Topic: A personal story about investor behavior
Replies: 16
Views: 2664

Re: A personal story about investor behavior

Bogleheads: In the terrible bear market of 1929-1935 the Dow plunged 89%. I remember it well (we lost our home). (note, the following may be somewhat off topic) Mr. Larimore, I really wish there was a book about your life or someone would write a biography about you. There are so many snippets abou...
by femur
Thu Sep 05, 2013 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation advice - 30 yr old in CA
Replies: 18
Views: 2129

Re: Portfolio allocation advice - 30 yr old in CA

Why are some of those checking account yields so high? Seems fishy to me. They are able to provide high rates because the Banks make money on the debit and bill-pay requirements. It is quite legitimate but not really offered at such high rates by mega banks. Thats why that list I linked contains sm...
by femur
Wed Sep 04, 2013 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation advice - 30 yr old in CA
Replies: 18
Views: 2129

Re: Portfolio allocation advice - 30 yr old in CA

1. Do you think I’m crazy for eliminating the emergency fund? My rationale is that the money should be earning interest, which is impossible in a savings account these days. If I have a true emergency, I can either run a balance in the personal line of credit for a while and/or sell from the taxabl...
by femur
Fri Aug 30, 2013 10:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Au revoir mes amis
Replies: 39
Views: 6794

Re: Au revoir mes amis

Default User BR wrote:
I have elected to remove myself from the forum as an active participant. My reason is off-topic to discuss and probably not productive anyway. Let's say that it's a matter of principle and I think it the best thing to do.


Well anybody else curious as heck now?

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