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Re: How You Can Locate Life Insurance Policy for Deceased Pe

The oval button on that referenced page appears to be broken for now, but the same button works from this page: http://www.sco.ca.gov/upd_msg.html After you do your first search, you can change the default of 25 results returned to a higher number by changing pageSize=25 in the url to something lik...
by tj
Thu Aug 28, 2014 11:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How You Can Locate Life Insurance Policy for Deceased Person
Replies: 4
Views: 367

Re: New 2% cash back Mastercard from Citi

Just wondering why Citi structured the cash back like that - 1% when you buy + 1% when you pay off - instead of simply 2% like Fido AmEx. Is there a trick/catch somewhere? I would assume yes, in that they only have to give out the back half WHEN you pay it. If you carry a balance that might be a wh...
by tj
Thu Aug 28, 2014 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 12
Views: 1081

Re: Help with Vanguard Annuity decision

I don't recall Monumental having spectacular ratings....
by tj
Thu Aug 28, 2014 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Annuity decision
Replies: 7
Views: 540

Re: USAA Credit Card Offer

OK, I've been a member for quite some time (early 70's), and I 've never seen anything similar. USAA is offering me a $25 credit (woo hoo) if I go out and spend $1500 on my USAA MasterCard in the next thirty days. Aside from the fact that there is absolutely, positively, nothing I want to buy in th...
by tj
Thu Aug 28, 2014 11:49 pm
 
Forum: Personal Consumer Issues
Topic: USAA Credit Card Offer
Replies: 1
Views: 232

Re: vacation destinations similar to Savannah or Charleston

More than Laguna Beach or San Diego, if you're looking for a neat area that is somewhat more like a Charleston or Savannah and on the West Coast, I'd consider Monterey, Pacific Grove, and Carmel, which are just south of San Francisco. They're Victorian towns located on a beautiful part of the coast...
by tj
Wed Aug 27, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 24
Views: 1506

Re: Mortgages and financial freedom

I have been debt free for a number of years now. Long before I learned how to invest properly. . When I owe money, there are extra restrictions placed on my life. I have chosen to eliminate those restrictions. That increases my freedom. I don't think it has much impact on my financial freedom becau...
by tj
Wed Aug 27, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 104
Views: 6001

Re: Term Life Insurance Help

Seems reasonable.
by tj
Wed Aug 27, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Help
Replies: 16
Views: 689

Re: Paying for genealogy research?

I had a lot of fun with the spit test for 23andme.com. :-D
by tj
Tue Aug 26, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Paying for genealogy research?
Replies: 3
Views: 496

Re: vacation destinations similar to Savannah or Charleston

As someone who lives within 10 miles of Laguna Beach, it's really not that exciting of a place. If you're after a beach vacation, there has to be somewhere closer to you with warmer water.
by tj
Tue Aug 26, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 24
Views: 1506

Re: Mortgages and financial freedom

I have been debt free for a number of years now. Long before I learned how to invest properly. . When I owe money, there are extra restrictions placed on my life. I have chosen to eliminate those restrictions. That increases my freedom. I don't think it has much impact on my financial freedom becau...
by tj
Tue Aug 26, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 104
Views: 6001

Re: Chase Freedom reward changes in 2016

I'm still getting the 10 bonus points per transaction. Not surprising. Selective grandfathering seems to be deeply rooted in Chase's tradition. I opened a Chase Freedom in August 2012. I also have the Sapphire Preferred and Ink Plus. I still get the 10 points per transaction and the extra 10% bonus...
by tj
Mon Aug 25, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 3395

Re: Chase Freedom reward changes in 2016

I'm still getting the 10 bonus points per transaction.
by tj
Sun Aug 24, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 3395

Re: Question Regarding Term Life Insurance Quote

I can't imagine an "A" rating would be a problem.
by tj
Tue Aug 12, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question Regarding Term Life Insurance Quote
Replies: 2
Views: 417

Re: average American eats out 203 times per year

Another interesting question is how much we spend at each meal. A 1/week restaurant habit where you spend $100 is about the same as spending $8/day on lunch and $40 on the weekend. But one comes out to 50ish restaurant meals, and the other comes out to almost 300. I spend around $600/month on food,...
by tj
Fri Aug 08, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6407

Re: Self Employment & Estimated Quarterly Tax Payment

Oh, so you get a W-2 for your capital gains? Does Vanguard send it to you at year end? I don't remember getting mine last year. I said capital gains. You said don't worry about capital gains. I said yes worry about capital gains. You then said withholding. I assumed you meant withholding from your ...
by tj
Wed Aug 06, 2014 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Employment & Estimated Quarterly Tax Payment
Replies: 13
Views: 466

Re: Self Employment & Estimated Quarterly Tax Payment

But it's required to be paid in equal installments, or you get penalties incurred, thus it requires extra attention vs a capital gains tax. That is simply not true unless perhaps one makes equal income in every quarter. And you don't even have to send in a 1040-ES or use EFTPS because you can simpl...
by tj
Wed Aug 06, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Employment & Estimated Quarterly Tax Payment
Replies: 13
Views: 466

Re: Marriage: Is it tax-friendly?

If you focus solely on marginal income tax rates, it is not. But consider other financial stuff. 1. No SS survivor benefits. 2. No widow pension benefits. 3. Can't use the other person's employer-based health insurance. I am sure there are other stuff too. Edited to add: The exclusion of $500,000 o...
by tj
Wed Aug 06, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage: Is it tax-friendly?
Replies: 50
Views: 2447

Re: Self Employment & Estimated Quarterly Tax Payment

But it's required to be paid in equal installments, or you get penalties incurred, thus it requires extra attention vs a capital gains tax. That is simply not true unless perhaps one makes equal income in every quarter. And you don't even have to send in a 1040-ES or use EFTPS because you can simpl...
by tj
Wed Aug 06, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Employment & Estimated Quarterly Tax Payment
Replies: 13
Views: 466

Re: Self Employment & Estimated Quarterly Tax Payment

Where does she eventually pay her SE tax? Look at lines 56 and lines 63 on her (or your) 1040. Note the order. 56 SE Tax 63 estimated payments tax minus payments and refundable credits is what you owe or get as a refund. SE tax is part of your income tax. It is not a tax that is reported separately...
by tj
Wed Aug 06, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Employment & Estimated Quarterly Tax Payment
Replies: 13
Views: 466

Re: Term4sale.com vs USAA vs both?

My understanding is they are more picky with underwriting than others. Thus, if you have any sort of health issue, don't use them?
by tj
Wed Aug 06, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term4sale.com vs USAA vs both?
Replies: 10
Views: 1003

Re: average American eats out 203 times per year

I eat out every meal. I look forward to visiting family and having homecooked meals, though I won't step foot in my own kitchen. :D
by tj
Wed Aug 06, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6407

Re: $250K reporting question for multiple Solo 401k plans

Hmm? I didn't think you were allowed to have more than one solo plan?
by tj
Sat Jul 26, 2014 12:11 am
 
Forum: Personal Finance (Not Investing)
Topic: $250K reporting question for multiple Solo 401k plans
Replies: 7
Views: 809

Re: Buy a condo for college?

As a student, dorm life is far preferable for the first year or two. This bears mentioning, since a few posters have said the same thing--at the college we are looking at, freshmen dorm rooms are 2 people in a 13x13 room, and they share a bathroom with 2 other people in an identical room. Condos al...
by tj
Sun Jul 20, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2519

Re: Who do you talk with about your financial goals?

Nobody. All of my friends seem to have a lot of debt, but also seem to spend a lot more than me on alcohol and such. It's been that way ever since college....I wish I had a partner who I could talk to about such things and who was on the same page.
by tj
Mon Jun 30, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9173

Re: Retired Bogleheads want to relocate to California

I just returned from Huntington Beach two weeks ago. The area and weather is awesome to say the least. The home prices are a whole different ball game. I could not see tying that much up in the equity of a home at any age let alone retirement. Still, for us California came second to the beautiful s...
by tj
Thu Jun 26, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6989

Re: Retired Bogleheads want to relocate to California

I think you can find condos in Orange County for under 150K


Maybe 4 years ago, but not now. I've seen one bedroom condos in RIverside County sell for this much recently.
by tj
Mon Jun 23, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6989

Re: Do I owe old insurance chance to match new quote?

I'd be very careful that they aren't "matching" it by decreasing your coverage. Isn't this stuff all determined by actuaries anyway? The agent doesn't decide rates.
by tj
Mon Jun 23, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Do I owe old insurance chance to match new quote?
Replies: 14
Views: 967

Re: Retired Bogleheads want to relocate to California

I could never live in Florida. The humidity is insane. What's wrong with swimming in SoCal ocean? I can understand the summer humidity, but I've been in Florida (central and southern) in the middle of winter several times and it was quite pleasant with warmer ocean temps than SoCal's. I've been to ...
by tj
Mon Jun 23, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6989

Re: Retired Bogleheads want to relocate to California

High cost of living, high taxes, and overcrowded cities would have me looking elsewhere. You can get similar climate and resources elsewhere and live a far better lifestyle, IMO, and have plenty of extra cash around to visit whenever you want. I understand where OP is coming from. I live in OC and ...
by tj
Sun Jun 22, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6989

Re: It is time to retire when you .......

Find hobbys? - done, travel + exercise + soccer + wimbledon etc



Do you only play tennis on grass? :)
by tj
Sat Jun 21, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9804

Re: Early retirement gotchas

You have more time to go out and spend when you're retired. When I was unemployed, I spent a lot less despite having a lot more time. I would imagine that in retirement, I could do the same, but that's not the type of retirement I'd prefer, but it's nice to know it's possible if my career ends earl...
by tj
Sat Jun 21, 2014 1:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement gotchas
Replies: 28
Views: 5472

Re: Cutting the cable cord - how did you do it?

Cut the cord last month. I was paying $130 per month to DirecTV. I already had amazon prime and netflix. I also have apple tv and roku. I had a DirecTV guy come in to repair some wiring. I paid him $60 to install a huge antenna in my attic. Do you see the irony in that. Tested the channels availabl...
by tj
Thu Jun 19, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4477

Re: Early retirement gotchas

50's is early? :)
by tj
Tue Jun 17, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement gotchas
Replies: 28
Views: 5472

Re: Cutting the cable cord - how did you do it?

ESPN3 used to simulcast virtually every thing from ESPN and ESPN2, but that stopped a long time ago. ESPN went around it by creating WatchESPN which requires a cable TV subscription rather than internet subscription. I can't imagine they care much if they lose some replay viewers, most people watch...
by tj
Tue Jun 17, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4477

Re: Cutting the cable cord - how did you do it?

Biggest issue I had with cutting the cord, which I've tried twice, is live sports...I miss them. A lot. In my area (NH), you can't get the Red Sox, Bruins, or Celtics over the air except if one of the broadcast networks has a national game. Instead I often threaten to cancel my cable package, which...
by tj
Mon Jun 16, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4477

Re: Car for a long daily commute

That sounds brutal. I do San Clemente > Riverside a few days a week and it drives me pretty nuts, but it's better than living in Riverside. It gets expensive with the toll roads. I can't imagine doing the commute suggested by OP. I hope they figure out a way to make that commute work for them.
by tj
Fri Jun 13, 2014 12:32 am
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5997

Re: does frugality result in lower career ambition?

I don't think it results in less career ambition. But being frugal takes extra time, in my experience. You are always shopping prices around, trying to make your own things for less. Frugal people will spend more time cooking and less time eating out. Etc. To the extent that frugality takes some ti...
by tj
Sat Jun 07, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8539

Re: Where do all of you buy your term life insurance?

I shopped it around with Bogleheads member Brudude. Ended up with American General.
by tj
Wed Jun 04, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do all of you buy your term life insurance?
Replies: 12
Views: 1015

Re: Two Comma Club!

Congrats Meg, you've always been an inspirational poster. it's also refreshing to read about a compatible couple, it's surprisingly not common on the financial forums that I frequent.
by tj
Wed Jun 04, 2014 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 5704

Re: The Three Fund Portfolio

Thank you, Taylor. I still have some VTSAX in rollover IRA, I will switch that to bond. I just want to make sure of the following. Morningstar says the 30-day SEC yield is 1.86%. Does that mean VTSAX on average pays 1.86% of dividend per year? If so, it does not belong to rollover IRA, bond funds d...
by tj
Sun Jun 01, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 873
Views: 340643

Re: Will you obtain same result if you use a Life Strategy F

Well, I'm using the target retirement funds which are similar to the life strategy except that they adjust over time. The main reason I have seen cited for not using these sort of combination funds is that one can obtain slightly lower ERs by holding Admiral shares of the underlying funds. However ...
by tj
Sun Jun 01, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Will you obtain same result if you use a Life Strategy Fund
Replies: 28
Views: 3391

Re: $2,065,140 lifetime earnings = second bend point (SS)?

Or is it only 8% per year so only 24% more? Correct. It's 8% per year. So for a person with an FRA of 67, benefits if claimed at 70 would be 124% of PIA. You played a very helpful role in the quality control for that book, by the way. So thank you for that. (Pointing out the error in the coding of ...
by tj
Fri May 30, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: $2,065,140 lifetime earnings = second bend point (SS)?
Replies: 25
Views: 3586

Re: Would you work without pay?

Isn't that called an intenrship? I did it for 4 months.
by tj
Fri May 30, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you work without pay?
Replies: 63
Views: 4089

Re: Wait to DCA During Recession

Eh, I don't think you need to necessarily focus on maximizing your income. If that's your goal, then sure, by all means, but there's more to life than $$.
by tj
Thu May 29, 2014 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Wait to DCA During Recession
Replies: 17
Views: 1973

Re: Rental Property

What is this 3.8% surtax on rental income? I own rental property in California, I am not an RE professional, and I paid no such tax on the 1040 or 540.
by tj
Tue May 27, 2014 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rental Property
Replies: 5
Views: 702

Re: Chase Ink Plus and Ink bold

takeshi wrote:You can apply as a sole proprietorship. Covered in the usual credit card blogs.



Sure, but it still might help to have an EIN, which is free. It might make the business seem more legit.
by tj
Tue May 27, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Ink Plus and Ink bold
Replies: 6
Views: 754

Re: Chase Ink Plus and Ink bold

You can register for a Federal Tax ID for free at irs.gov. I'm not sure if this will increase your chances of getting approved for the card.
by tj
Tue May 27, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Chase Ink Plus and Ink bold
Replies: 6
Views: 754

Re: Larry Swedroes The Only guide to a winning investment...

The primary determinant of risk and return is our stock/fixed-income ratio. Get that right, with low-cost, and you should be most of the way there. No one knows the future. I wonder at what point it became second-nature to invest in international stocks? I wonder if something similar will happen wi...
by tj
Sun May 25, 2014 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Larry Swedroes The Only guide to a winning investment...
Replies: 19
Views: 2618

Re: 64 YROld Romance Rekindles:Upsets Daughters

Other things that upset DD: Susan has sent hand written notes to DD’s children (Sam’s grandchildren) telling them how proud grandpa is of them. Susan has taken pictures of critters on the farm, sending them by email to DD to share with the children. Susan has given gifts to the children on special ...
by tj
Sun May 25, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: 64 YROld Romance Rekindles:Upsets Daughters
Replies: 19
Views: 1785

Re: How to Invest Trust Assets for income & growth

The Vanguard dividend funds are decent funds for stocks, but certainly should not be a substitution for bonds. If I had a million bucks and was looking for something conversative, I would put it in Vanguard Lifestrategy Conservative Growth and be done with it...you could do LifesStrategy Income whic...
by tj
Sat May 24, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest Trust Assets for income & growth
Replies: 18
Views: 1313
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