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Re: Had a bad experience with Amica

This is not an example of bad experience with Amica. Your friend was never a client of Amica. It is like saying someone had bad experience with Mensa because he was not admitted to Mensa. He simply did not make the cut. They have the right to refuse coverage but only before start of the policy perio...
by serbeer
Wed Oct 01, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Had a bad experience with Amica
Replies: 8
Views: 299

Re: Buying more when markets are down

Well, I was waiting till all divideds are posted for Q3 to reinvest them together with the new cash--in a single swoop. So, coinsidently, purchased today. But I do not market time in general.
by serbeer
Wed Oct 01, 2014 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 35
Views: 1256

Re: Hard Money Lending, flipping houses 12% return Lets hear

I don't know what could happen where you would lose the whole $210k. The house is not worth zero dollars; it is worth something. Being a devil's advocate, let me use example of placeholder, with the house being a former meth lab making it toxic enough not to be resellable while the OP is stuck with...
by serbeer
Wed Oct 01, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 51
Views: 2250

Re: fidelity v.s. vanguard

Either is perfectly fine for index mutual funds. And for the largest collection of commision-free ETFs, I'd open Ameritrade account.
We use all three, but mostly Fidelity and Ameritrade.
by serbeer
Wed Oct 01, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity v.s. vanguard
Replies: 8
Views: 511

Re: CNN: 5 investing secrets of the wealthy.

The article was originally called "5 investing secrets of the wealthy Bogleheads" but later author renamed it since he did not want to go into explanations of who Bogleheads worrying that main message may be lost in explanations.


It is my theory anyway, and I am sticking to it.
:)
by serbeer
Tue Sep 30, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: CNN: 5 investing secrets of the wealthy.
Replies: 19
Views: 2980

Re: Hard Money Lending, flipping houses 12% return Lets hear

Last year I had ROR of 14+% on my total not too risky 75/25 portfolio. That with only usual "market" risk. So why would I want to invest into a single company, private company at that, with so many risks on top of market risk (because if market tanks, demand for the house in question is pr...
by serbeer
Tue Sep 30, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 51
Views: 2250

Re: Water Powered Sump-Pump Backups?

My Basement Watchdog backup sump pump has self-diagnostic module that checks many things, including battery health and starts beeping when something is not right. I am on my 2nd battery now (in 11 years, and the first one was replaced when the Battery alarm was triggered, about 6-7 years into life o...
by serbeer
Tue Sep 30, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Water Powered Sump-Pump Backups?
Replies: 19
Views: 832

Re: Rebalancing Spreadsheet

Nope. Rebalancing involves both buying and selling. If a particular asset class is overweight due to market pumping it up, you have to sell it and put money into poorly performing asset classes. That's why it is called rebalancing. On the other hand, if you pour in enough money to top off lackster c...
by serbeer
Mon Sep 29, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Spreadsheet
Replies: 4
Views: 523

Re: New 2% cash back Mastercard from Citi

Also when you are talking auto pay are you talking about paying the CC bill automatically or having monthly bills paid automatically via the CC? I do both. I was talking about CC bill being paid automatically on designated date from my checking account. That is still the case after conversion, and ...
by serbeer
Fri Sep 26, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23491

Re: New 2% cash back Mastercard from Citi

How can they keep auto pay going if its a new number? Expiration date comes around once every three years, not the same. Not sure about mechanics, but my number has changed, but the first bill I received, just as they promissed, indicates autopay active. Why would it be difficult to re-link existin...
by serbeer
Thu Sep 25, 2014 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23491

Re: New 2% cash back Mastercard from Citi

I'm thinking about having my wife get this card with the intention of taking advantage of both the 2% and the 15 month 0% APR. She has another Citi card with a high credit limit (> $30k). Does anyone know whether Citibank will allow her to move the credit limit from the pre-existing card to the new...
by serbeer
Thu Sep 25, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23491

Re: New 2% cash back Mastercard from Citi

I don't think you can convert and keep the account number the same. Mine changed when I converted, I was warned about it. But they kept existing auto-pay going and divident dollars were transfered. Unless you have dozens of place where you have to change the card number saved, I am not sure what is ...
by serbeer
Thu Sep 25, 2014 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23491

Re: New 2% cash back Mastercard from Citi

Santosh T. wrote:Oh! But why next week?

Why not?
by serbeer
Fri Sep 05, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23491

Re: New 2% cash back Mastercard from Citi

The Sallie Mae Visa can get you 5% at amazon & bookstores/gas/groceries. But monthly purchase limits are $750/$250/$250, after that it's 1%. Sallie Mae does not offer Visa card per their website. Perhaps they did in the past. They have Mastercard with 5% groceries/gas and stated limit (which I ...
by serbeer
Sat Aug 30, 2014 1:19 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23491

Re: Possible formula error for 'Total-Unbalanced (N) values

Please check formula in cells C77-G77 in the Compare_Portfolios sheet (version 14d). I believe the first cell reference should C$58 through G$58 to index each column rather than $C$58 under the "Total-Unbalanced (N)" values. Confirmed (in version 13 d). Sharp eye Steve. Most people will n...
by serbeer
Fri Aug 29, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 608
Views: 375528

Re: What are you up YTD?

75/25
+7.7%
by serbeer
Tue Aug 26, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 101
Views: 7847

Re: Implementing Two-Factor Authentication for Fidelity Acco

The problem with Yubikey (and the reason I asked Fidelity for Verisign hardware token instead) is that Yubikey requires access to USB port, and while it is avaialble 95% of the time, the remaining 5% I may want to access Fidelity from terminal where the computer itself, and USB port on it is not ava...
by serbeer
Tue Aug 26, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11786

Re: What assets are protected from state court proceedings?

One more thing... Let's say you have a $2 million umbrella policy like I had. You sell a house that you know has $1 million in defects without disclosing it. Are you saying your insurance company would be obligated to defend you? What an unbelievable "Get out of jail" free card this would...
by serbeer
Thu Aug 21, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1632

Re: Implementing Two-Factor Authentication for Fidelity Acco

Well that's interesting. I have MUCH less than $250K outside of my rollover IRA and rollover Roth IRA and I have two-factor authentication on my accounts. I have way more than $250K in total but the vast bulk of my retirement money is in tax advantaged accounts. Did Fidelity screw up when they gave...
by serbeer
Thu Aug 21, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11786

Re: What assets are protected from state court proceedings?

I was the victim of a frivolous lawsuit that went on for nearly two years. ... Total bill ended up being about $35,000. If you don't mind me asking, did you have an umbrella insurance at the time? If so, why didn't you let their lawyers handle the case? Yes, I have a $2MM umbrella policy that I hav...
by serbeer
Thu Aug 21, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1632

Re: What assets are protected from state court proceedings?

epitomist wrote:I was the victim of a frivolous lawsuit that went on for nearly two years. ... Total bill ended up being about $35,000.


If you don't mind me asking, did you have an umbrella insurance at the time? If so, why didn't you let their lawyers handle the case?
by serbeer
Thu Aug 21, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1632

Re: What assets are protected from state court proceedings?

Definately consult an attorney, but in attempt to be more helpful than other responses, I can tell you that in IL, where I live, in civil cases (non-IRS): - 401K,Rollover IRA/Roth, and 529 plans are protected 100% - IRA/ROTH are protected up to $1M - Houses are protected only up to $15K (but obviusl...
by serbeer
Wed Aug 20, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1632

Re: 529 - in-state only up to deduction amount?

Forget about the state tax deduction. You will be living with the fund you chose and its expense ratio for up to 18 years. Pick the best. A one time deduction on only the state taxes is insignificant in the big picture......Gordon Edit...I fund 6 of the 529 plans for grandchildren using the Nevada ...
by serbeer
Tue Jul 29, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 - in-state only up to deduction amount?
Replies: 9
Views: 647

Re: Which is King: Income Stream or $ Invested

$ invested. Because you can always turn it into income stream through SPIA, but not the other way around (at least not even close to market rate).
by serbeer
Tue Jul 29, 2014 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Which is King: Income Stream or $ Invested
Replies: 52
Views: 4617

Intersting article: what broker's title can reveal

Interesting article on what information brokerage firm advisor's titles can reveal: http://time.com/money/2987797/a-simple-trick-for-learning-how-much-your-broker-makes/ PS To make this actionable: this can help you figure out how much of personal interst (as opposed to firm's interest) broker has i...
by serbeer
Wed Jul 16, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Intersting article: what broker's title can reveal
Replies: 1
Views: 620

Re: AMT Marginal Tax Rates

Yes, but over AMT tax rates, not ordinary tax rates. See http://thefinancebuff.com/amt-tax-brackets.html for details.
by serbeer
Tue Jul 01, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: AMT Marginal Tax Rates
Replies: 6
Views: 662

Re: Spreadsheet for backtesting (includes TrevH's data)

kcfin, et al: I just posted new revision of the spreasheet (Backtest-Portfolio-returns-rev13d.xls) with minor bug fix recently reported to me. Since the fix is minor, to a single formula for P5 in 1985+ portfolios, if you know enough about Excel, you may want to apply the change to your existing spr...
by serbeer
Tue Jul 01, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 608
Views: 375528

Re: Breastfeeding and baby formula

My wife had similar problems by the 7th month of breastfeeding with each of the kids (we kept it up until each kid was 1yo). [Medical advice removed by admin LadyGeek]

Hope it helps.
by serbeer
Mon Jun 30, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1289

Re: American Automobile Assn (AAA)

I got international driver license from AAA facility in 2006 for my trip to Spain. I did not need membership at the time, just had to pay a fee ($35?). Are you sure they no longer issue it to non-members. Btw, I did not need the international driver license, they used my US license for all the paper...
by serbeer
Fri Jun 20, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3559

Re: Best Homeowners Insurance in IL

Amica
by serbeer
Thu Jun 12, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Homeowners Insurance in IL
Replies: 10
Views: 787

Re: Recommendations on Carpet Cleaning

I vacuum carpets every 2 weeks, and rent RugDoctor from local supermarket for $30 once per year.
by serbeer
Thu Jun 12, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations on Carpet Cleaning
Replies: 10
Views: 1111

Re: Is the first million really the hardest?

The first $500K is the hardest according to previous discussions :)
viewtopic.php?t=77682&postdays=0&postorder=asc&start=0
by serbeer
Thu Jun 12, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7861

Re: Child Care - 2 or More Children and Strategies to Pay

We only sent kids to daycare after older one reached 3.5yo. Until then, we had a nanny/babysitter that was working 8 hours a day (we shifted/overlapped my and wife's hours to minimize nanny hours since there is travel to/from work and lunch hours that would add about 1.5/2 hours without such shift)....
by serbeer
Thu Jun 05, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 3463

Re: MSN money stock quotes not updated?

I switched to using SMF plug-in, available from one of the Yahoo Groups. Detailed instructions are here:
http://seekingalpha.com/instablog/32647 ... -for-excel
by serbeer
Thu May 08, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: MSN money stock quotes not updated?
Replies: 3
Views: 355

Re: Spreadsheet for backtesting (includes TrevH's data)

I think that total return is used and it includes both capital appreciation and dividends.
by serbeer
Mon May 05, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 608
Views: 375528

Re: Implementing Two-Factor Authentication for Fidelity Acco

I got the hardware token from Fidelity (which was not easy, they seem to prefer people to use software on the phone instead and I was told there are minimum account balance requirements though I was not told what they are--but I met them). The funny thing is, access to the site using Net Benefits po...
by serbeer
Thu May 01, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11786

Re: Legal issues wrt giving semi-personalized investment adv

The fellow boglehead yobria has done it years ago already:
http://easyallocator.org/
Very good and simple site by the way, and exactly what you describe.
by serbeer
Wed Apr 30, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legal issues wrt giving semi-personalized investment advice?
Replies: 4
Views: 596

Re: Spreadsheet for backtesting (includes TrevH's data)

LadyGeek, for version 13c of the spreasheet, opened in in Excel 2010, these cells do not contain anything including N/A error (well, invisible formulas are there)--neither Portfolio sheet, cells F31:F39 nor corresponding Returns_72_13 cells AD113-AL113. The same as O4 4 :O52 I do not have LibreOffic...
by serbeer
Wed Apr 30, 2014 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 608
Views: 375528

Re: Spreadsheet for backtesting (includes TrevH's data)

And your link is to the older 13a version . The latest 13c version is here: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=2520&p=2044707#p1912664 Always use the link on top of original Simba's post as starting to get to the latest version, even if through series of jumps through the t...
by serbeer
Wed Apr 30, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 608
Views: 375528

Re: Recommended "All Inclusive" in Caribbean

I had, and still do, usually 2 times every year.
But yet to try taking kids with us, as younger one is still too young IMO. When he is 5, I probably will.
by serbeer
Mon Apr 28, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommended "All Inclusive" in Caribbean
Replies: 8
Views: 2637

Re: POLL: what's the deal with Tuna Fish?

The poll is missing an option. I voted I Only Eat it Fresh even should it should be I Only Eat it Raw because I only eat tuna as sushi.
by serbeer
Wed Apr 23, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 4628

Re: What to do

You are doing excellent work I think coming down from $250K mountain of debt. I would indeed ramp up pre-tax contributions to TSP/401K. That would reduce tax bill. But I would also continue to pay off the loans with at least 25% of disposable income pool, or even 33%, starting with 5.5% one and only...
by serbeer
Tue Apr 22, 2014 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do [Investing vs. Paying Down Debt]
Replies: 9
Views: 1428

Re: Starting an RIA

RIA does not have to be expensive, so the fees can be reasonable. No one on this forum is likely to be interested in becoming your client, but here is how you can start it on less than $10K:
http://www.kitces.com/blog/setting-up-a ... han-10000/
by serbeer
Tue Apr 22, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting an RIA
Replies: 28
Views: 2250

Re: Solar ovens

Good information on using Solar Ovens here:
http://www.cheaprvliving.com/blog/recom ... ls-part-1/
by serbeer
Tue Apr 22, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Solar ovens
Replies: 5
Views: 615

Predictably costly bet for many on short-term maturity bonds

Read the article by Bob Veres on how many financial advisors recently did their clients a huge disservice by recommending switch to short-term maturity bonds to defend again potentially raising interest rates: http://advisorperspectives.com/newsletters14/pdfs/How_to_Avoid_Hidden_Costs_in_Your_Bond_A...
by serbeer
Wed Apr 16, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Predictably costly bet for many on short-term maturity bonds
Replies: 0
Views: 291

Re: All-inclusive resort vacation for $2K??

Yes, it is possible and even easy in less expensive April-November months of the year to find week-long all inclusive vacation for under $1,000 per person. I suggest you use Apple Vacations website and look for 3 and 4 Apples-rated properties in Mexico (especially less expensive Puerto Vallarta area...
by serbeer
Tue Apr 15, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: All-inclusive resort vacation for $2K??
Replies: 19
Views: 2569

Re: LED bulb prices

Turns out that I have two more brand new CFLs and a box each of 60W, 75W, and 100W incandescents. I think I'll put in the LED once one of the CFL goes bad. I don't understand this type of reasoning. LEDs take less energy than CFLs, turn on faster, have better light spectrum, run no risk of breaking...
by serbeer
Fri Apr 11, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 15078

Re: LED bulb prices

... I'm waiting for LED prices to come down further and for 100W equivalent bulbs to become more widely available and at better prices. You may be pleasantly surprised if you try 60W equivalent LEDs. The ones I purchased as giving as much light output as my old 100W incandescent bulbs, or even a bi...
by serbeer
Tue Apr 08, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 15078

Re: Buying for someone who "has everything"

I am similar and the best gift my wife ever gave me was electronic book reader (sony prs-505 at the time). I love to read but was restraining myself to books on paper and reading on computer screen before that. Since then I always keep a reader with me and went through 3 prs-505 and now switched to ...
by serbeer
Sat Apr 05, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2809

Re: We Don't want to die with Money

With such goal, you are prime candidates for using ESPlanner planning tool http://www.esplanner.com/ Its goal is "consumption smoothing" which is fancy term for "not dying with money". It is built by reputable college professor who is authority in the field, well peer-reviewed, u...
by serbeer
Wed Mar 26, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3958
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