Search found 19 matches

by AdmiralSnackbar
Fri Jun 30, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 46
Views: 3066

Re: Engagement Ring Insurance

I paid cash for my wife's ring, and its loss wouldn't ruin me financially. However, I still chose to insure as it gave me great peace of mind. My wife's engagement ring is insured through Jeweler's Mutual. I did a very "un-Boglehead" thing and chose them with minimal research, mainly becau...
by AdmiralSnackbar
Tue Jun 13, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Employee theft - How best to proceed
Replies: 26
Views: 2758

Re: Employee theft - How best to proceed

I am not a lawyer, You should have stopped there but you are aware that your employee committed fraud and you have done nothing to rectify the situation. If you do nothing you are aiding in fraud which would make you an accomplice. No, it wouldn't. There is no 'failure to report' law in Illinois th...
by AdmiralSnackbar
Tue Jun 13, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Employee theft - How best to proceed
Replies: 26
Views: 2758

Re: Employee theft - How best to proceed

First off, so sorry this is happening to you and your colleagues. Second, it looks like there are a couple distinct causes of action with distinct "victims". For the first part, i.e., fraud against patients, you have identified the key roadblock, which is non-participation of patient/victi...
by AdmiralSnackbar
Fri Jun 09, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Used Exercise Equipment
Replies: 22
Views: 1532

Re: Used Exercise Equipment

Thanks for all the great input, everyone! Wow, looks like Bogleheads generally don't like home gyms :D ! In our case, my wife and I didn't want to pay for gym memberships, and the weather would keep us from running outside. It also helps to have a training partner at home to motivate/guilt you into ...
by AdmiralSnackbar
Wed Jun 07, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Used Exercise Equipment
Replies: 22
Views: 1532

Re: Used Exercise Equipment

Good input to all. This is for a sale. I am debating whether to get rid of the items before I move, or just take them with me and sell later. I will adjust expectations for a possible pennies-on-the-dollar sale.
by AdmiralSnackbar
Wed Jun 07, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Used Exercise Equipment
Replies: 22
Views: 1532

Used Exercise Equipment

Does anyone know if there is a standard depreciation for used exercise equipment, namely 2yo Spirit XT485 treadmill (Purchased for $1900), and heavy duty weight bench? I have heard that 50% off for 2yo equipment is somewhat reasonable. Thanks!
by AdmiralSnackbar
Wed Jun 07, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 7310

Re: Dave Ramsey Financial Peace University ??? worth it?

My wife and I started with FPU and Dave Ramsey and benefited greatly. I think it is a great "starter" for those who need a kickstart into basic cashflow and financial literacy. It also gives a common language and frame of reference to discuss cash flow and financial goals with your spouse....
by AdmiralSnackbar
Tue Jun 06, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: [Moving to] Washington, DC Navy Yard Area
Replies: 12
Views: 1184

Re: Washington, DC Navy Yard Area

Yes to all! With the on-going construction of the Metro, I would like to eliminate that commuting headache from my life!
by AdmiralSnackbar
Tue Jun 06, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: [Moving to] Washington, DC Navy Yard Area
Replies: 12
Views: 1184

[Moving to] Washington, DC Navy Yard Area

Hello, friends. I'll be moving to DC in a month and was wondering if any DC locals had any insight into the rental market near the Navy Yard/Nationals Park. I'll be working at the Navy Yard, which makes my commute walkable. My main questions are: (1) Is traffic oppressive during Nationals home games...
by AdmiralSnackbar
Tue Jun 06, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3417

Re: Suit for residency interviews

I imagine residency interviews are relatively conservative affairs, which your two color choices fit into nicely. I think a high-quality navy suit is a good way to start your interviewing wardrobe. It is extremely versatile in terms of colors of shirts, ties, and shoes. As for buying a suit, $500 sh...
by AdmiralSnackbar
Mon May 15, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 49
Views: 4969

Re: Tipping for restaurants where you order at the counter

The tipping culture is definitely a bit untethered to any sensible standard of compensation. Correct me if I'm wrong, but workers' wages at counter-service restaurants are at least minimum wage. When I worked as a waiter, the base rate was below minimum wage, making me dependent on tips. I busted my...
by AdmiralSnackbar
Mon May 08, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7895

Re: How do Bogleheads buy cars?

If you want a glimpse as to how car salespeople are being trained, you might consider watching some of the videos on this YouTube channel: https://www.youtube.com/user/jsteverichards I have heard much of his verbiage coming from car salespeople in my recent past, and sadly, I think I fell for a lot ...
by AdmiralSnackbar
Thu Apr 27, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Unable to rollover 401(k) at Schwab
Replies: 5
Views: 697

Re: Unable to rollover 401(k) at Schwab

Thanks, PK, Alan, and Tiax. I will ask for the SPD and review carefully. Although definitely not normal, it might be within the realm of legal possibility that they hold on to the money until age 59. Take care!
by AdmiralSnackbar
Wed Apr 26, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Unable to rollover 401(k) at Schwab
Replies: 5
Views: 697

Unable to rollover 401(k) at Schwab

Greetings! We tried rolling over my wife's 401(k) from a previous employer, but the Schwab representative said that the specific rules governing the plan for former employer did not allow rollovers until age 59. My wife and I (and the Schwab rep, for that matter) were all surprised at this provision...
by AdmiralSnackbar
Tue Apr 25, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2508

Re: National Parks in Northern CA

You can't go wrong with these knowledgeable suggestions! Wife and I live within driving distance of Yosemite and just did a day trip this past weekend. The waterfalls are absolutely bursting right now with the precipitation we got this winter. One of our favorite spots was Vernal Fall. There was a b...
by AdmiralSnackbar
Fri Apr 21, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Starting from Ground Zero!!
Replies: 11
Views: 2188

Re: Starting from Ground Zero!!

Nats, you are right, Fidelity does offer some low-cost options! However, after careful consideration, my wife and I are going to consolidate all accounts into Vanguard, as we feel a bit more connected to the values and ethos of Vanguard, vice Fidelity. After reading some other threads about Vanguard...
by AdmiralSnackbar
Wed Apr 19, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Starting from Ground Zero!!
Replies: 11
Views: 2188

Re: Starting from Ground Zero!!

Wow, I am absolutely blown away by all the insight and sage wisdom from this community. I feel so much better about approaching this transition, and I think with my growing understanding, I think my wife and I can definitely do this without paying an advisor. I will follow up on all the collective a...
by AdmiralSnackbar
Tue Apr 18, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Starting from Ground Zero!!
Replies: 11
Views: 2188

Re: Starting from Ground Zero!!

Fishing: Excellent advice on all points. I will definitely look at F Fund while I am in accumulation phase. I will definitely consider Roth while in the 15% bracket and traditional once in the 25% bracket. As for BRS, I will take a hard look at it! Lastly, please excuse me, what is "MFJ"? ...
by AdmiralSnackbar
Mon Apr 17, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Starting from Ground Zero!!
Replies: 11
Views: 2188

Starting from Ground Zero!!

Hello, everyone, new to the Boglehead world, and I am drinking from a firehose. Here are the required details: Emergency funds: Three months Debt: Private Student Loan $50k @ 5.25% (not forgiveable) Tax Filing Status: Married, filing Jointly Tax Rate: 15% Federal, 0% State State of Residence: OH Age...

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