Search found 40 matches

Return to advanced search

Re: Runners and compression socks

As an avid distance runner (nearly 100 ultramarathons), I've seen a significant increase in the use of the compression socks/sleeves by runners at the 50/100 mile in which I compete. I wear them myself for racing and for training runs over 30 miles. Do they work for me? Hard to say. I've done a lot ...
by jahol000
Thu Aug 14, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Runners and compression socks
Replies: 18
Views: 1548

Re: What octane gas do you use to fill your car?

Many thanks to the helpful posts by the many knowledgable contributors. So here's my proposal: - Manual recommends 91 octane - Local pumps provide 87, 89, or 93 - about $.20/gal difference between each grade. - Solution: Fill the tank half full with 89 and the other half with 93 -- savings of $1.60 ...
by jahol000
Tue Jul 08, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 5862

Re: Is there a3 fund portfolio for taxable?

The basic three-fund should work in all taxable. Whether you want to go with a tax-exempt bond fund will depend on your tax bracket. Any marginal rate 28 or above should definitely push you toward tax-exempt consderation. A broad-based index fund should adequately protect you against material defaul...
by jahol000
Fri Nov 08, 2013 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a3 fund portfolio for taxable?
Replies: 3
Views: 832

Re: Pay down principal before vs after refinancing?

By no means an expert but don't you have a potential problem with the deductibility of interest if your refi exceeds the amount of your mortgage by more than $100k at the time you refinanced? 1. Example one: Current mortgage $200,000; refi full $200k -- interest on entire $200k of new loan is potent...
by jahol000
Wed Oct 02, 2013 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay down principal before vs after refinancing?
Replies: 6
Views: 781

Re: Lump Sum pension: risk to continuing work after eligible

One way to consider the decision is by using an insurance analogy. That is, what would it cost you to insure against the risk of losing a portion of the current lump sum value? It would appear that the cost is the earning differential between continuing in your current job versus the earning potenti...
by jahol000
Wed Oct 02, 2013 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum pension: risk to continuing work after eligible?
Replies: 28
Views: 2846

Re: Participation in Executive Deferred Comp Plans

I also was viewing the deferred payout as a bridge to SS at 70, with the added benefit of receiving the annual payments when I anticipate being in a much lower tax bracket. Keeping the total to 10% or less of my overall portfolio, hopefully, is sufficient risk mitigation. Time will tell whether it w...
by jahol000
Wed Sep 11, 2013 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Participation in Executive Deferred Comp Plans
Replies: 7
Views: 736

Participation in Executive Deferred Comp Plans

As a manager in a large company, I'm permitted to participate in an executive deferred comp plan (EDCP), in addition to our 401k plan. The EDCP provides a discretionary, but fairly consistent match on contributions up to 6%. It is extremely low cost <.1%. Deemed earnings are credited to a participan...
by jahol000
Tue Sep 10, 2013 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Participation in Executive Deferred Comp Plans
Replies: 7
Views: 736

Re: What to do once you have maxed out tax advantaged space?

Once you have moved all of your tax-advantaged accounts to bonds, maxed your 529, I-bond bonds, etc., paying off your mortgage is not a bad option. This "negative bond", even at 1.99%, is probably better than most of your bond alternatives.
by jahol000
Mon Aug 26, 2013 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do once you have maxed out tax advantaged space?
Replies: 29
Views: 4014

Re: I soooo want to pile in large here...

I'm fairly far up the food chain of a Fortune 100 company. I've been employed here for more than 20 years. In my role, I'm privy to tons of insider information both large and small. Yet, time and time again, I'm amazed at the twists and turns of our stock price. Whenever I get an itch to take a flye...
by jahol000
Tue Aug 20, 2013 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: I soooo want to pile in large here...
Replies: 53
Views: 5932

Re: Esurance - Anyone Using for Auto/Home Insurance?

We went with Liberty Mutual based on the combined quote for home, auto, and umbrella. Also got quotes from GEICO, Esurance, among others. We found it interesting how much the individual components varied from carrier to carrier. Curious that the underwriting criteria would vary so much.
by jahol000
Thu Aug 08, 2013 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Esurance - Anyone Using for Auto/Home Insurance?
Replies: 8
Views: 723

Re: Esurance - Anyone Using for Auto/Home Insurance?

Used esurance for auto for several years. Had one claim experience involving a totaled car and moderate physical injuries -- other driver found to be at fault. Esurance was very responsive and coordinated with other driver's carrier. Claims were resolved quickly without dispute. Positive outcome. Di...
by jahol000
Thu Aug 08, 2013 11:08 am
 
Forum: Personal Consumer Issues
Topic: Esurance - Anyone Using for Auto/Home Insurance?
Replies: 8
Views: 723

Consolidating IRA Accounts

DW has three different IRA accounts, all with Vanguard. They are listed as a "traditional IRA", "rollover IRA", and "SEP IRA." In an effort to simplify, is it possible to consolidate one or more of these with each other?
by jahol000
Fri Aug 02, 2013 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consolidating IRA Accounts
Replies: 2
Views: 217

Re: Mortgage Refinance Feedback

A frequent response among more learned Bogleheads than I might be to ask the questions: "As a Virginia resident, if I didn't own a home today in the Detroit, MI area, would I purchase one to rent out in order to ride anticipated market appreciation over the next 5 to 8 years?" "Would ...
by jahol000
Wed Apr 24, 2013 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Feedback
Replies: 5
Views: 499

Carlyle Group Lowers Investment Minimum to 50K

The Carlyle Group, along with KKR and Blackstone, are making their private fund investment prowess available to the little guy. Carlyle's new funds will allow investors with as little as $50K to join the moneyed elites. Per the WSJ, Carlyle will impose its standard "money management" fees ...
by jahol000
Wed Mar 13, 2013 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Carlyle Group Lowers Investment Minimum to 50K
Replies: 9
Views: 1514

Periodically Selling Kid's Accounts to Ramp Up Basis

Background: DW and I are raising three boys -- currently mid-late teens. Their college will largely be covered by 529 accounts. From an early age, we tried to instill a sense of savings/investing. We provided a relatively generous allowance, encouraged them to work odd and summer jobs and look for o...
by jahol000
Mon Feb 04, 2013 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Periodically Selling Kid's Accounts to Ramp Up Basis
Replies: 4
Views: 460

Re: Current PenFed refinance timing

Recently refinanced with PenFed's 5-year 1.99% Program. Some observations: Pros: - Simple process -- entire exercise done on-line, including initial joining of credit union -- small donation to charitable organization. (However, I did make several calls throughout to try and push the effort along.) ...
by jahol000
Fri Feb 01, 2013 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Current PenFed refinance timing
Replies: 18
Views: 1744

Re: Home appraisal came in super low, worth it to pay down?

Amerisave seeks to sell its loans within hours/days after closing. It never/rarely holds them for its own account. Highly unlikely it is lowballing the appraisal to keep you in the current mortgage. I would see if there is an appeal process on the appraisal. Seems you've got a good argument it's off...
by jahol000
Wed Nov 21, 2012 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home appraisal came in super low, worth it to pay down?
Replies: 41
Views: 3236

PenFed HEL [Home Equity Loan]

Looking at the 5-year PenFed HEL and had two quick questions I'm hoping someone can answer:

1. Is the current 1.99% rate fixed for the 5-year term?
2. Does the loan straight line amortize or does it have a 30-year amortization schedule with a balloon?

Thanks.
by jahol000
Wed Sep 12, 2012 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed HEL [Home Equity Loan]
Replies: 20
Views: 1567

Re: Social Security Benefit Strategy

sscritic, thanks. I keep looking for that free lunch with social security but, alas, haven't found it.
by jahol000
Mon Aug 27, 2012 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefit Strategy
Replies: 9
Views: 1127

Re: Social Security Benefit Strategy

I'm in a similar situation -- high earner with low earning spouse whose recovery as a spouse will exceed amounts based on her earnings. To clarify one of the points made, if dw files early, e.g., 63, and receives payments for a period of years and then later for spousal benefits when I file and susp...
by jahol000
Mon Aug 27, 2012 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefit Strategy
Replies: 9
Views: 1127

Re: Can I Make a Profit Refinancing?

Appreciate the thoughtful responses. Assumed there wasn't a free lunch here but wanted to confirm through the collective wisdom of those far wiser. To the extent there is a free lunch, appears it would be little more than a small appetizer. Now I'm back to the oft asked inquiry of whether or not to ...
by jahol000
Fri May 18, 2012 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I Make a Profit Refinancing?
Replies: 12
Views: 1411

Can I Make a Profit Refinancing?

Refinanced about six months ago with Amerisave -- basic terms. Term: 10 year fixed Rate: 3.25% Loan Amt: $195K Closing Cost Credits: Approximately $2200; Actual costs were around $2000, so got a check back for a couple hundred bucks. Yes, the credit is the full amount, not a max up to closing costs ...
by jahol000
Thu May 17, 2012 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I Make a Profit Refinancing?
Replies: 12
Views: 1411

Re: Passive index investing v. Low Cost Active Investing

Thanks all for your responses and conclusions which are as I suspected. Looks like I can stick with my passive index strategy and worry about more important things in life. Regards.
by jahol000
Tue Apr 10, 2012 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Passive index investing v. Low Cost Active Investing
Replies: 6
Views: 766

Passive index investing v. Low Cost Active Investing

With apologies for belaboring a basic tenant of bogledom. . . I get the theory behind passive investing in broad index funds and how such an approach will outperform over time active investing due (in large part) to higher fees. So are there any rigorous studies that demonstrate the theory holds tru...
by jahol000
Mon Apr 09, 2012 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Passive index investing v. Low Cost Active Investing
Replies: 6
Views: 766

Re: Where are the best places to do a home ReFi right now?

Another thumbs up for Amerisave. Went with a 10 year fixed at 3.25 with no closing costs. Smooth process all in 30 days. I also like their website where you can check rates/costs daily without putting in any personal information. Good luck.
by jahol000
Tue Jan 17, 2012 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where are the best places to do a home ReFi right now?
Replies: 29
Views: 2122

Re: Percent in cash (or equilivent) for retired persons

For those of you that adhere to a higher cash/cash equivalent holding so as to avoid the need to sell stocks in a down market, when do you decide to replenish your cash position? Do you try to time the market to avoid those "downturns" (something I've never been able to do) or simply sell ...
by jahol000
Thu Dec 29, 2011 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Percent in cash (or equilivent) for retired persons
Replies: 18
Views: 1532

Re: Any Acura MDX drivers? Opinions wanted

We bought a 2004 MDX new, driven by my wife through our boys' teenage years. Currently has 110k miles. Been very happy, with no material problems. Only issue has been so-so gas mileage (as noted above) and several dings from "errant" lacrosse balls over the years. :wink:
by jahol000
Mon Dec 05, 2011 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Any Acura MDX drivers? Opinions wanted
Replies: 7
Views: 690

Re: Property taken by eminent domain process

My folks just went through a similar situation with a road widening that took a portion of the farm, the farm house and a portion of a commercial business. I can't emphasize the importance of compentent counsel, i.e., an attorney that specializes in emminent domain issues. It's a subspecialty that i...
by jahol000
Thu Oct 20, 2011 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property taken by eminent domain process
Replies: 6
Views: 1184

For the majority of respondents who discourage remortgaging a home for investment purposes, I have the following questions. If I have stock/bond investments AND a mortgage, am I not engaging in the same behavior? I.e., using leverage to increase my investment holdings? Shouldn't all us who blanch at...
by jahol000
Thu Oct 06, 2011 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage rates so low. Borrow even if you don' need money?
Replies: 70
Views: 5239

Okay, I'll bite. Not sure what the definition of "successful" is but as a low 50s fellow with income in the 500K/year range, I recently discontinued my life insurance when I concluded our net worth would satisfy the family's needs should I have an unfortunate encounter with the proverbial ...
by jahol000
Tue Oct 04, 2011 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: 20 year vs 30 year term?
Replies: 47
Views: 2644

Mortgage Lender Shenanigans -- Who Are the Victims?

The drumbeat continues castigating mortgage lenders for their nefarious acts. Robosigning this, unfair lending practice that. The states are looking to negotiate a settlement with heavy fines, penalties and compensation to ensure such terrible deeds never happen again. (Understand California is opti...
by jahol000
Tue Oct 04, 2011 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mortgage Lender Shenanigans -- Who Are the Victims?
Replies: 19
Views: 1742

I'm the first in line for low cost index funds but before breaking out the sparkling cider, I would note that the reduction in costs is 2-4 basis points. If my math is right, the savings on a $100K portfolio would be $20-40/yr. :wink: Yes, buys a nice lunch but let's keep things in perspective.
by jahol000
Fri Sep 30, 2011 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: LifeStrategy funds going all-index
Replies: 76
Views: 10256

Lumpr, your description on points is correct, as is your note on buying down or up the rate based on the charge or credit. What I found curious is how lumpy the credit/charge was as I moved up and down the mortgage rate continuum. Odd that the "cost" of each 1/8% varies so widely. You woul...
by jahol000
Fri Sep 23, 2011 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Closing Cost Credit Mystery (Solved?)
Replies: 4
Views: 744

Mortgage Closing Cost Credit Mystery (Solved?)

Was just approved by Amerisave for a refinancing. Second one with them in the last 12 months. They're good to work with for those interesting in a refi. Hard to believe we're seeing rates this low. Here's my question, I've always wondered about the methodology for calculating the closing cost credit...
by jahol000
Thu Sep 22, 2011 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Closing Cost Credit Mystery (Solved?)
Replies: 4
Views: 744

Check with your state. Some allow an income tax deduction for annual contributions up to a stated cap PER account. In such cases, you'll benefit from having one account per child/beneficiary.
by jahol000
Mon Jun 27, 2011 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: One 529 account, or one 529 account per kid?
Replies: 8
Views: 1127

As an executive in a Fortune 200 company, I've observed a continuing strong bias against candidates sporting degrees from for-profit institutions. We get hundreds of resumes for individual positions. Fair or not, a common culling technique is to weed out those with credentials from such schools. Hav...
by jahol000
Tue Jun 07, 2011 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Best" Online Degree if already a college graduate
Replies: 90
Views: 10136

Not sure I fully understand how the "returns" of extinct funds are put back in the mix in order to eliminate the survivorship bias. Is the pre-extinct period of performance simply extrapolated over to the extinct period? If so, is that over correcting, inasmuch as one would think some of t...
by jahol000
Mon Jun 06, 2011 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: How Much? - Survivorship Bias at Morningstar
Replies: 20
Views: 2231

Refinanced with Amerisave a few months ago. Their rates were some of the lowest I found on the web. Also appreciated the fact that I didn't have to provide contact information to get the rate sheet updates. Found the process relatively painless. The entire effort was done almost entirely by e-mail, ...
by jahol000
Sun May 29, 2011 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I refinance with Amerisave?
Replies: 13
Views: 2258

Selecting Stock Options v. Restricted Stock

Excellent thoughts. Thanks. The approach I've taken in the past is along the lines suggested, namely to elect options when the stock is trading at multi-year lows (I'm in a fairly cyclical industry) and then opting for restricted stock when the markets and the company's stock price are relatively hi...
by jahol000
Fri May 13, 2011 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selecting Stock Options v. Restricted Stock
Replies: 8
Views: 984

Selecting Stock Options v. Restricted Stock

First time poster with a question for wise bogleheads who have dealt with this situation. I assumed this has come up before but couldn't find a relevant discussion in the folders. Each year I am given the option of selecting stock options or restricted stock as part of my compensation. (I work for a...
by jahol000
Fri May 13, 2011 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selecting Stock Options v. Restricted Stock
Replies: 8
Views: 984

Return to advanced search