Search found 57 matches

by jghassell
Mon Jun 08, 2015 11:33 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Charlotte, NC Boglehead Chapter
Replies: 8
Views: 1720

Re: Master Thread for Charlotte, NC Boglehead Chapter

We had a great meeting on Saturday. Members Jean, Todd, Jerry, Brandon, and I met with new member Jeff and had a great discussion about business sales, health and dental plans, revisiting existing 401K plan designs on behalf of one's employer, rolling over funds into Vanguard, and more. Our next mee...
by jghassell
Fri Jun 05, 2015 8:15 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Charlotte, NC Boglehead Chapter
Replies: 8
Views: 1720

final reminder of Sat, June 6 meeting

A final reminder of our meeting tomorrow on Saturday, June 6.

Here are the details for the meeting.

12 pm – whenever
Panera Bread Myers Park Location
I look forward to seeing everyone there.

Jon
by jghassell
Fri May 29, 2015 11:47 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Charlotte, NC Boglehead Chapter
Replies: 8
Views: 1720

Re: Master Thread for Charlotte, NC Boglehead Chapter

Hi Jon: I live in Rock Hill and have added myself to the Yahoo group. I won't be able to make the June meeting (we'll be on vacation), but I'll definitely like to attend future events. Thanks, Kevin Welcome, Kevin! We look forward to meeting you at the following meeting on Saturday, September 12.
by jghassell
Fri May 29, 2015 7:57 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Charlotte, NC Boglehead Chapter
Replies: 8
Views: 1720

Charlotte Chapter Meeting Saturday, June 6

Hello everyone, just a closer-in reminder of our upcoming meeting one week from tomorrow, on Saturday, June 6 . I’ll send out a final reminder next Friday for those of us who live a little closer to the calendar’s edge :-) Here are the details for the meeting. Saturday, June 6 12 pm – whenever (I be...
by jghassell
Sun Mar 01, 2015 10:41 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Charlotte, NC Boglehead Chapter
Replies: 8
Views: 1720

Re: Master Thread for Charlotte, NC Boglehead Chapter

Hello, everyone We had a good meeting yesterday. Thank you to everyone who came out. As mentioned, I would like to hold meetings every three months. Unless anyone objects, let’s count yesterday’s meeting as a March meeting. I have identified the following dates for the next three meetings so we can ...
by jghassell
Fri Feb 27, 2015 10:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Charlotte, NC Boglehead Chapter
Replies: 8
Views: 1720

Re: Master Thread for Charlotte, NC Boglehead Chapter

Just a final reminder about tomorrow's Bogleheads meet up. Saturday, February 28 12 pm – whenever (I believe our previous meetings have been 1.5-2 hours) Panera Bread Myers Park Location 601 Providence Road. 704-374-0581 Link to directions: https://www.google.com/maps/dir/Charlot ... d35.201585 I wi...
by jghassell
Wed Feb 11, 2015 9:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Charlotte, NC Boglehead Chapter
Replies: 8
Views: 1720

Saturday, February 28 - 12 pm - Panera Bread, 601 Providence

Here are the details for the meeting. Saturday, February 28 12 pm – whenever (I believe our previous meetings have been 1.5-2 hours) Panera Bread Myers Park Location 601 Providence Road. 704-374-0581 Link to directions: https://www.google.com/maps/dir/Charlotte,+NC/601+Providence+Rd,+Charlotte,+NC+2...
by jghassell
Mon Feb 02, 2015 6:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Charlotte, NC Boglehead Chapter
Replies: 8
Views: 1720

Master Thread for Charlotte, NC Boglehead Chapter

Organizing a master thread here and I will keep it updated with meeting information and notifications. MAILING LIST: I started a mailing and discussion list last year for all interested Bogleheads with a focus on those persons local to Charlotte. Our discussions around meetings happen here. If you'r...
by jghassell
Mon Feb 02, 2015 6:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Charlotte, NC Chapter Meeting Saturday 6/15/2013 12 PM
Replies: 6
Views: 1599

Re: Charlotte, NC Chapter Meeting Saturday 6/15/2013 12 PM

Timely that you ask - we are organizing our next meetup, to be held either on Saturday, February 28 or Saturday, March 7. The current favorite date for most members is 2/28. If you're interested, please join our mailing list and voice your vote. Just send a message to cltboglehead-subscribe@yahoogro...
by jghassell
Wed Dec 24, 2014 11:35 am
Forum: Personal Consumer Issues
Topic: Selling a car privately
Replies: 23
Views: 3080

Re: Selling a car privately

The only way I would sell a car to a private party is cash or a cashiers check. How (s)he gets the cash is his business... loan, savings, whatever. If it's cashier's check go to the seller's financial institution with him when he gets it to make sure it's not a forgery. +1 Sold several cars this wa...
by jghassell
Wed Dec 24, 2014 11:12 am
Forum: Personal Consumer Issues
Topic: Dentist Bill from 2011
Replies: 62
Views: 4058

Re: Dentist Bill from 2011

Send the bill back to the dentist office with a note and a check, explaining this is the first bill you received, it is three years after the service was rendered, and you are promptly paying the appropriate amounts of the bill as you would have if you had received it timely. [*]If you had insurance...
by jghassell
Tue Dec 16, 2014 9:09 am
Forum: Personal Finance (Not Investing)
Topic: sizeable negative balaance on credit card--how to access?
Replies: 24
Views: 3021

Re: sizeable negative balaance on credit card--how to access

i don't write checks (or ach debits when possible) for recurring bills with pennies in the amount. i round up to the next dollar. i'v e had 2 credit card companies handle this weirdly. one bank after carrying the small negative balance (less than a dollar) for 3 or so months wrote me a check out of...
by jghassell
Fri Dec 05, 2014 12:40 pm
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 10084

Re: Dealing with unauthorized (lawyer) bill

I feel like this has been made much too difficult. If you do not want to pay, then simply do not. Send, in an envelope, via US Mail, the following: * a letter saying something to the effect of, you offered a free consultation which is the only time we met with you, would not give us a firm quote, di...
by jghassell
Fri Aug 15, 2014 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3737

Re: Strategic Default

Can anyone speak to how the $4,500 special assessment could be avoided? It seems unlikely a foreclosure would occur before November, and to the extent of my knowledge--which is limited--the HOA might well decide to go after the owner legally if that remains unpaid, regardless of how the condo is dis...
by jghassell
Fri Aug 15, 2014 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 94
Views: 12926

Re: Vanguard Lost My Account

I received a letter from Vanguard in the mail today that said that my online access to my account had been blocked ... Update: I did contact my former employer this morning, and, NO, they have not changed custodians for their 401((k) management. So, that is not the problem. I did find my Vanguard P...
by jghassell
Mon Jul 14, 2014 11:21 am
Forum: Local Chapters and Bogleheads Community
Topic: Charlotte Bogleheads - Master Thread
Replies: 1
Views: 379

Re: Charlotte Bogleheads - Master Thread

We're also looking to have a meeting on Saturday, August 9. Details and logistics will be worked out on the mailing list!
by jghassell
Mon Jul 14, 2014 11:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Charlotte Bogleheads - Master Thread
Replies: 1
Views: 379

Charlotte Bogleheads - Master Thread

Hello everyone, Apologies for the long absence in organizing this group! It has been a hectic year for our family and unfortunately I did not get a round tuit; they seem to be in short supply. Yahoo Group : I have started a Yahoo Group for us which will allow mailing list-style discussion. I have se...
by jghassell
Fri Mar 28, 2014 6:06 pm
Forum: Personal Consumer Issues
Topic: Looking for Good Free Win 7 File Manager
Replies: 7
Views: 714

Re: Looking for Good Free Win 7 File Manager

Treesize is good for this
by jghassell
Wed Feb 19, 2014 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to know if this financial situation is feasible
Replies: 73
Views: 5376

Re: Wanting to know if this financial situation is feasible

Also a somewhat off topic but still somewhat relevant comment about the divorce: begin with the mindset that every single time you talk to your lawyer, it's going to cost you $100. Even a simple e-mail or a short phone call--$100. I even got dinged for "filing" charges. It really puts into...
by jghassell
Wed Feb 19, 2014 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to know if this financial situation is feasible
Replies: 73
Views: 5376

Re: Wanting to know if this financial situation is feasible

7 million becomes 3.5 million after taxes. Start thinking 3.5 million total. You might be pleasantly surprised, but in the end, the tax man is going to get close to half. Assume $125,000 college cost per kid (25k per year x 5 years) x 3 kids = $375,000 for education You're left with $3,125,000 to th...
by jghassell
Wed Feb 19, 2014 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to know if this financial situation is feasible
Replies: 73
Views: 5376

Re: Wanting to know if this financial situation is feasible

Parents have 7 million windfall, and not being willing to pay for kids private college expensive seems cheap. Current student budget for one of the most expensive private schools, which happens to be close to NEOH, is Carnegie Mellon, is $62K. The others are close. Total nominal cost per twin start...
by jghassell
Wed Jan 29, 2014 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Free advisory assistance for startups in North Carolina?
Replies: 33
Views: 2632

Re: Free advisory assistance for startups in North Carolina?

Tidalwave - I run an LLC created and located in North Carolina. Feel free to ping me with any specific questions.
by jghassell
Mon Dec 16, 2013 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Accident, not my fault, will my rate go up?
Replies: 17
Views: 1602

Re: Accident, not my fault, will my rate go up?

You will probably have to pay your $500 deductible now to get your repairs started, but the other insurance company will eventually make your insurance company whole and they will refund your deductible (Google "subrogation"). So you may end up fronting the money but it shouldn't end up as...
by jghassell
Wed Oct 23, 2013 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever filed an un/under-insured motorist claim?
Replies: 20
Views: 1539

Re: Anyone ever filed an un/under-insured motorist claim?

Received about $8,000 worth of value after an undocumented immigrant was joyriding on an icy interstate and fishtailed into me. Guy gave the cops the name of a dead guy and some other guy's insurance information. Wouldn't go without this insurance--there are better ways to save some bucks than to cu...
by jghassell
Tue Sep 10, 2013 1:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Charlotte, NC Chapter Meeting Saturday, September 14 1pm
Replies: 0
Views: 359

Charlotte, NC Chapter Meeting Saturday, September 14 1pm

Hello everyone Sorry for the delay here in confirming the next date! We’ll be meeting this coming Saturday, September 14, at 1 PM . Let’s try meeting at Olde Mecklenburg Brewery 215 Southside Dr. Charlotte, NC 28217 Please join us! The weather will is supposed to be great, with highs in the mid-70s,...
by jghassell
Fri Aug 30, 2013 11:13 am
Forum: Local Chapters and Bogleheads Community
Topic: Charlotte, NC Chapter Meeting Saturday 6/15/2013 12 PM
Replies: 6
Views: 1599

Re: Charlotte, NC Chapter Meeting Saturday 6/15/2013 12 PM

Hello everyone, I've just sent out a request to see what dates in September work for everyone for our next Charlotte chapter meetup. If you are interested in joining us, please e-mail me at jhassell@gmail.com or send me a PM on this forum and I will send you the e-mail as well. We would welcome your...
by jghassell
Thu Aug 22, 2013 12:21 pm
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 9989

Re: Why aren't Car dealers prepared to deal?

Just like you are working them? Actually, customers tend to be the biggest liars. I don't consider asking for prices and then getting the lowest price to be "working" anyone. That's being honest. Aggressive, sure, but also honest. I do, however, consider not talking anything until I come ...
by jghassell
Tue Aug 20, 2013 8:48 am
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 9989

Re: Why aren't Car dealers prepared to deal?

I have bought several cars using a combination of the various techniques described in this thread and not once has a dealer refused to talk numbers with me over e-mail. Sometimes it isn't in the first exchange of mails, but it always happens. Anyone who doesn't want to play that game should just be ...
by jghassell
Sun Jun 16, 2013 9:31 am
Forum: Local Chapters and Bogleheads Community
Topic: Charlotte, NC Chapter Meeting Saturday 6/15/2013 12 PM
Replies: 6
Views: 1599

Re: Charlotte, NC Chapter Meeting Saturday 6/15/2013 12 PM

Hello all, We had a great chat yesterday at the first (or re-inaugural) Charlotte Bogleheads chapter meeting. Thanks to the four others who attended. We agreed in principle to have quarterly meetups, so it looks like the next logical time to convene is in September. I will send out a mail to all who...
by jghassell
Wed Jun 12, 2013 12:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Charlotte, NC Chapter Meeting Saturday 6/15/2013 12 PM
Replies: 6
Views: 1599

Re: Charlotte, NC Chapter Meeting Saturday 6/15/2013 12 PM

I wanted to remind all that we have our first meeting this Saturday, June 15, at 12 Noon. PLEASE RSVP TO THIS MEETING--SEE DETAILS BELOW. The tentative venue for this meeting is Harper's Restaurant Pineville 11059 Carolina Place Parkway Pineville, NC 28134 (Located at Carolina Place Mall) 704.541.52...
by jghassell
Tue May 14, 2013 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fiancee Got Into Med School: Should I Rent or Sell My Condo?
Replies: 35
Views: 3209

Re: Fiancee Got Into Med School: Should I Rent or Sell My Co

Just to echo some of the sentiments here: be very careful using your money to pay for her education, especially if you aren't yet married. Things look a lot different before school than after and that's not really money you'll ever recover if things go south. It's not a romantic thought, but then ag...
by jghassell
Fri May 10, 2013 12:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Charlotte, NC Chapter Meeting Saturday 6/15/2013 12 PM
Replies: 6
Views: 1599

Charlotte, NC Chapter Meeting Saturday 6/15/2013 12 PM

Dear Charlotte area Bogleheads: I am pleased to announce the group has voted on the time for our next meeting. We'll meet at 12 PM on Saturday, June 15, 2013 . I'll announce the venue once it's been secured-- check back here . For this first meeting, we'll have an informal conversation around invest...
by jghassell
Tue May 07, 2013 10:07 am
Forum: Local Chapters and Bogleheads Community
Topic: New Charlotte NC Local Chapter Coordinator
Replies: 6
Views: 1044

Re: New Charlotte NC Local Chapter Coordinator

Hello everyone, I've just sent a mail to all of the existing group members (according to the records I was given) as well as those who have recently expressed interest in joining. I'll post the relevant portion here. Given it is now May, I wanted to start the process of setting up our next meeting. ...
by jghassell
Wed Apr 17, 2013 10:58 am
Forum: Personal Finance (Not Investing)
Topic: tax payment to state is lost in the mail?
Replies: 17
Views: 1481

Re: tax payment to state is lost in the mail?

Hastibe wrote: So, I wouldn't sweat it--it's so rare for the Post Office to lose a piece of mail


I would not quote this as a universal truth. In this area, the junk mail is the only reliable delivery we receive, with checks, bills, and other documents frequently delayed and mutilated.
by jghassell
Mon Apr 01, 2013 2:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Charlotte NC Local Chapter Coordinator
Replies: 6
Views: 1044

Re: New Charlotte Local Chapter Coordinator

Thanks, Mel. I'll look to set something up with the current members within the next 30-60 days. To anyone else in the Charlotte area, please reach out!
by jghassell
Wed Feb 06, 2013 9:46 am
Forum: Personal Consumer Issues
Topic: Quicken Deluxe 2013 Free with TurboTax Purchase at Amazon
Replies: 15
Views: 4006

Re: Quicken Deluxe 2013 Free with TurboTax Purchase at Amazo

Just did this. I had to buy TurboTax Deluxe and then complete the download. Then I got an e-mail saying that a promo credit was applied to my account. I then went to buy Quicken Deluxe and the discount was applied at checkout. Worked like a charm--just a little confusing to get started.
by jghassell
Mon Dec 17, 2012 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new car without having dealer do credit check?
Replies: 64
Views: 4115

Re: Buying a new car without having dealer do credit check?

My advice: never put up with any of this from the dealer. If you're paying cash, make it clear there will be no credit check. Freeze your reports. Write the dealer a check. If the dealer balks, walk away and find another dealer. (In almost all cases, there is another dealer that will take your check...
by jghassell
Mon Dec 17, 2012 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new car without having dealer do credit check?
Replies: 64
Views: 4115

Re: Buying a new car without having dealer do credit check?

Can they get a credit report on you without a SS#? Yes jghassell, maybe you can provide more info? Most interfaces with credit providers allow you to retrieve credit profiles from the three major bureaus without a full SSN. Often a name and address is enough for a match. I worked in a business in t...
by jghassell
Sun Dec 16, 2012 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new car without having dealer do credit check?
Replies: 64
Views: 4115

Re: Buying a new car without having dealer do credit check?

Jerilynn wrote:
Grasshopper wrote:If a dealer asks to see your drivers license for a test drive, they are pulling a report.


Can they get a credit report on you without a SS#?


Yes
by jghassell
Sat Dec 15, 2012 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Buying a new car without having dealer do credit check?
Replies: 64
Views: 4115

Re: Buying a new car without having dealer do credit check?

If you put a freeze on your report with all three bureaus, no one can check it without you lifting the freeze. This is a great way to prevent "drive by" inquiries like this. You can lift the freeze once you have bought the car so that you can get the mortgage.
by jghassell
Fri Nov 23, 2012 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America and ATM problem
Replies: 33
Views: 2478

Re: Bank of America and ATM problem

If it were me, I would say you've done your part. They will discover the error eventually. You have tried to rectify it but the bottom line is that this is mot your problem; they are making it most inconvenient to fix. Just wait, don't spend the money, and let them work it out.
by jghassell
Thu Nov 22, 2012 8:51 am
Forum: Personal Consumer Issues
Topic: Advice for SSD drive replacement for a 2010 laptop
Replies: 20
Views: 1379

Re: Advice for SSD drive replacement for a 2010 laptop

180GB Intel 330 Series Maple Crest 2.5" SATA III MLC Internal Solid State Drive SSD (SSDSC2CT180A3K5) $100 + Free Shipping This is the lower end version of the Intel 520. I would recommend for those that are price sensitive. Agree 100% with this recommendation. Intel SSDs are the only way to g...
by jghassell
Mon Sep 24, 2012 8:31 pm
Forum: Personal Consumer Issues
Topic: 1.Instrument rentals 2.Credit freeze
Replies: 14
Views: 1183

Re: 1.Instrument rentals 2.Credit freeze

I used to work at the place you mention. It was over 15 years ago but even then we had more than a few people who didn't want to give an SSN and in every case, when we called in the application for approval, HQ was able to find and populate the SSN themselves.
by jghassell
Fri Aug 24, 2012 3:46 am
Forum: Investing - Help with Personal Investments
Topic: portfolio placement between two 401Ks
Replies: 5
Views: 455

Re: portfolio placement between two 401Ks

That makes sense.

For the new money in the employer 401k, do you think it makes sense to go 70% Fidelity total stock/30% Fidelity total bond given I will be phasing out the intl in there and replacing it gradually in the i401k?
by jghassell
Thu Aug 23, 2012 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: portfolio placement between two 401Ks
Replies: 5
Views: 455

Re: portfolio placement between two 401Ks

I would imagine you are suggesting to sell some, if not all, the Fidelity international in the employer account. I have already included the Vanguard international fund in the allocation in the individual 401k. Are you suggesting have all international exposure in the individual 401k and thus adjust...
by jghassell
Thu Aug 23, 2012 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: portfolio placement between two 401Ks
Replies: 5
Views: 455

portfolio placement between two 401Ks

Good afternoon investment wizards, As posted in another thread http://www.bogleheads.org/forum/viewtopic.php?f=2&t=101109 , it was suggested that I create an individual 401K so that I have access to better funds, and complete my employee-based deferrals into that plan. That of course has the add...
by jghassell
Wed Aug 15, 2012 8:24 am
Forum: Personal Finance (Not Investing)
Topic: SEP IRA vs. Solo 401K
Replies: 6
Views: 2074

Re: SEP IRA vs. Solo 401K

RabbMD wrote:I thought solo 401k was 25%- self employment tax?


I believe it's 25% for entities taxed as corporations. I am taxed as a sole proprietor, so the limit is 20%.
by jghassell
Tue Aug 14, 2012 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA vs. Solo 401K
Replies: 6
Views: 2074

Re: SEP IRA vs. Solo 401K

Not prohibited. You can shift unmatched contributions from your employer's plan (usually high cost and poor fund selections) to your own plan. Solo 401k also helps with backdoor Roth but SEP-IRA gets in the way. Paperwork is minimal. I am intrigued. My employer simply deposits 6% in as profit shari...
by jghassell
Tue Aug 14, 2012 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA vs. Solo 401K
Replies: 6
Views: 2074

SEP IRA vs. Solo 401K

Backstory: I am employed currently full-time as a salaried employee and contribute ~$17,000 to my employer's 401k plan. (Well, as close as I can get the contributions given the way we elect deferrals).I also have significant self-employment income through an LLC that right now is taxed as a sole pro...
by jghassell
Thu Mar 15, 2012 11:50 am
Forum: Personal Finance (Not Investing)
Topic: My Sons Inherited $ - Pay cash for house or borrow ?
Replies: 14
Views: 1883

Re: My Sons Inherited $ - Pay cash for house or borrow ?

Some type of legal protection is definitely called for here, whether or not the money's invested in a mortgage or kept separate as cash/investments. I didn't see if you said it was $1 million a piece or split between them, but either way, that kind of money has the potential to change people and rel...

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