Search found 335 matches

by HoosierJim
Mon Mar 20, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1363
Views: 170637

Re: What's Your Credit Card Rewards Strategy?

Just noticed that Bank of America card entitles free admission to many museums on the first full weekend of the month Bank of America - Museums on Us 2017 participant roster Free general admission is limited to the cardholder at participating institution. Museum hours and participation varies. Exclu...
by HoosierJim
Sun Mar 19, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Buying house - what should I expect from real estate agent
Replies: 10
Views: 596

Re: Buying house - what should I expect from real estate agent

gave us access to the local MLS so that we can see all houses (except for sale by owner) for sale in area. If you are sophisticated enough to use the Boglehead forum, you might be able to find this yourself on the internet (including fsbos) on Realtor.com / Zillow.com. You should expect that a real...
by HoosierJim
Sat Mar 18, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 43
Views: 2828

Re: Best place to get eyeglasses / no vision insurance

Eye exam at Costco $60

2 Pairs at Zenni Optical - $9 each plus $5 shipping = $23.

My glasses are simple but why involve an insurance company if you need glasses? It's like insurance for oil changes on your car.
by HoosierJim
Sun Mar 05, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Think I'm ready, but not overly confident
Replies: 28
Views: 2812

Re: Think I'm ready, but not overly confident

You had me at
ready53 wrote:I am 63....
• $3.07M in Tax Deferred accounts (401K and traditional IRAs)
by HoosierJim
Mon Feb 06, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 66
Views: 6232

Re: Cord cut strategy for young family

Get a windows 8.1 PC (many refurb available from major companies) and turn on Windows Media Center. Combine this with an OTA antenna and a Digital Home Run https://www.silicondust.com/product/hdhomerun-connect/ . We looked at what we watched - combined with an inexpensive internet connnection & ...
by HoosierJim
Fri Jan 27, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1441

Re: retirement thanks

Now that you are a civilian, what do you recommend for consumers' best practices for internet security regarding connecting to financial systems?

Congratulations on retirement.
by HoosierJim
Thu Dec 29, 2016 6:24 pm
Forum: Investing - Theory, News & General
Topic: All your eggs in one basket vs. concern about being hacked?
Replies: 41
Views: 4581

Re: All your eggs in one basket vs. concern about being hacked?

When possible - use a YUBIKEY as in a previous post by pragmatist and use it from your chomebook over a wired connection.
by HoosierJim
Wed Dec 28, 2016 9:30 pm
Forum: Personal Consumer Issues
Topic: Decent quality reading glasses
Replies: 21
Views: 1833

Re: Decent quality reading glasses

Used to get them from the the dollar store. Good value for $1 but then sprung for the $7 zunni optical based on my Costco prescription. The $7 glasses have larger lenses and fit so so much better.
by HoosierJim
Wed Dec 28, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Mifi / Hotspot Alternatives?
Replies: 16
Views: 2123

Re: Mifi / Hotspot Alternatives?

If bandwidth or data is precious, you should turn off images/auto loading video. Also - have an adblocker. To give you an example, the bogleheads.org site loads about 40 K of data. Note that even with that low value about 50% of the data is image related (feed image, canadian flag and the boglehead ...
by HoosierJim
Thu Dec 08, 2016 8:39 pm
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 18
Views: 1717

Re: Smartphone for a low techie

You can get a refurbished ATT / TMobile Galaxy S5 - $139 "unlocked" phone at woot today while supplies last.

woot phone

Image
by HoosierJim
Tue Nov 15, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 6487

Re: Early retire considering Self-Insurance for healthcare

You could also avoid car insurance (in our state you couldn't renew your plates. ) But if you crashed into busload of medical interns over a cliff and killed everyone. Their future earnings might represent millons each, so it's tough to estimate risk. You should also consider that ACA plans can't ch...
by HoosierJim
Sun Sep 25, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best Frugal Way to Create a Will
Replies: 32
Views: 4417

Re: Best Frugal Way to Create a Will

Forgot to mention - in Indiana - there is also a personal property TOD (transfer on death). Friend related a story where a mentally foggy dying grandfather promised over the period of one year, that each grand child would receive his prize antique car. Lots of hard feelings after the funeral that wo...
by HoosierJim
Sun Sep 25, 2016 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Best Frugal Way to Create a Will
Replies: 32
Views: 4417

Re: Best Frugal Way to Create a Will

Living Trusts are awesome for passing property - primarily real estate - without suffering through probate. Everything else can be set up for free as either beneficiary (insurance, IRA, 401k) or Transfer on Death/ Pay on Death (cars, savings accounts, checking...Vanguard accounts!) . Recently found...
by HoosierJim
Wed Aug 31, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Resigning from a job: best practices and advice?
Replies: 93
Views: 6594

Re: Resigning from a job: best practices and advice?

KlangFool wrote:OP,

... BCC a copy to yourself too.


+1
The bcc should be to your current company email address and an outside email (ie. gmail,hotmail,etc)
by HoosierJim
Sat Aug 13, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement budgets
Replies: 20
Views: 2147

Re: Retirement budgets

What is the source of the $88 k per year? If this is from taxable, you may want think about a strategy of Roth conversions to get your Magi into to subsidy/reduced deductible. If some of it's from pre-tax, they you should account for penalties and income tax as well as consider the health care strat...
by HoosierJim
Sun May 22, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Local TV channels - via streaming?
Replies: 29
Views: 2122

Re: Local TV channels - via streaming?

Antenna $39 Windows 7 PC with Window Media Center $299 Home Run Digital converter ($59) . WARNING - IF YOU NEED ESPN STOP READING THIS. If you buy from Amazon - please use the amazon link on the left panel to help the Bogleheads site Zero monthly bills - record any of the 80 or more channels (inclu...
by HoosierJim
Sun May 22, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Exclusivity and Real Estate Agents. Agree or Disagree?
Replies: 58
Views: 4239

Re: Exclusivity and Real Estate Agents. Agree or Disagree?

A buyer's agent doesn't usually cost you anything if you buy a home represented by a seller's agent; they split the commission. The agents obviously do work in the transaction but just who do you think is paying the seller so they (the seller) can pay agents the commission? Claiming the seller pays...
by HoosierJim
Sun May 15, 2016 6:55 am
Forum: Investing - Theory, News & General
Topic: Living with the 4% Rule
Replies: 19
Views: 2820

Re: Living with the 4% Rule

I look at the RMD as a public policy to collect deferred taxes loosely developed with a life expectancy tilt. An analogy is the dealer's rules at blackjack. Just because the dealer has to hit on 16 doesn't mean a player would do this. Sometimes it's the right choice but not always.
by HoosierJim
Tue Apr 19, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 61
Views: 8657

Re: Why am I still scared ? Is it actually normal ?

Saw a wonderful movie - Bridge of Spies Here's an excerpt that shows how you should think about worrying. You have to ask yourself if worrying would help. It's irrational but it helps to think about it this way. James Donovan: I have a mandate to serve you. Nobody else does. Quite frankly, everybody...
by HoosierJim
Tue Mar 29, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Getting ship shape in self employment
Replies: 7
Views: 780

Re: Getting ship shape in self employment

You may want to put everything into a solo 401k vs IRA since you may want to do back door roth conversions in the future. Depending on your income, you can shield more at lower incomes with the solo 401k vs something like a SEP IRA. http://www.obliviousinvestor.com/sep-vs-simple-vs-solo-401k/
by HoosierJim
Thu Feb 04, 2016 3:24 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on expense drop when kids go off to college
Replies: 27
Views: 3079

Re: Reporter doing story on expense drop when kids go off to college

That title is insulting to people that picked up extra shifts/worked weekends/holidays to save for college starting years before the drop-off day.
by HoosierJim
Mon Jan 11, 2016 6:31 am
Forum: Investing - Help with Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 5367

Re: $1.3 Billion Jackpot - How would you invest it?

If I won, I would immediately create the following new Boglehead threads.... - WON over A BILLION, DO I HAVE ENOUGH TO RETIRE? - WON over A BILLION, PLEASE HELP ME DECIDE WHEN TO TAKE SOCIAL SECURITY? - WON over A BILLION, 3 FUNDS OR TARGET PORTFOLIO? - WON over A BILLION, HELP ME LOWER MY TAXES? - ...
by HoosierJim
Sat Dec 19, 2015 5:20 am
Forum: Personal Consumer Issues
Topic: Medical Alert / Personal Emergency Response Systems
Replies: 3
Views: 556

Re: Medical Alert / Personal Emergency Response Systems

Would it be possible for this person to use a cell phone? Using wifi calling or a M-Cell you can setup 100% coverage in a home. Pick a phone that has easy speed dial (911, caregiver1, caregiver 2, etc). Get a phone with removable batteries so caregivers can insure the phone is charged and always wit...
by HoosierJim
Thu Dec 17, 2015 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Exchange not showing me the HSA plan
Replies: 3
Views: 466

Re: ACA Exchange not showing me the HSA plan

We found that the HSA limit as limited by the IRS is different than the ACA limit (which is bigger) thus disqualifying a lot of plans to be HSA. Only our government agencies could do something like this. Let's say a plan is offered at max limit of the ACA ($13,200) - but the IRS HSA limit is $13,100...
by HoosierJim
Sat Nov 28, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: Cutting the cord - Netflix or Hulu?
Replies: 50
Views: 4587

Re: Cutting the cord - Netflix or Hulu?

$35/month internet (70 mb down / 8 up - need for work) - Netflix ($10/month) and OTA w/Windows Media Center ($250) - Antenna ($80) - Digital Home Run($80) - One time cost equal to a month or two of cable for some people I know. Chromecast too ($30) Find ourselves watching less but higher quality stu...
by HoosierJim
Fri Oct 30, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: How to backup DVD collection
Replies: 29
Views: 2236

Re: How to backup DVD collection

FamilyMan wrote:.... how does everyone save family movies that were on a form of DVD and also the old school VHS version?


Use the Bogleheads referral link for amazon to get a

Easy VHS to DVD 3 Plus


From your DVD/VCR or even your camera - you can transfer movies and save them where ever you want.
by HoosierJim
Fri Oct 23, 2015 6:49 am
Forum: Personal Consumer Issues
Topic: TaskRabbit
Replies: 15
Views: 2955

Re: TaskRabbit

rupalb9 wrote:... to move a bedroom set from a local location to my house about a mile away.


Just wondering - what if your Task Rabbit gets hurt on your property?
by HoosierJim
Fri Oct 23, 2015 6:29 am
Forum: Personal Consumer Issues
Topic: Fell for DirecTV and Their Con - Woke Up in Time
Replies: 46
Views: 7251

Re: Fell for DirecTV and Their Con - Woke Up in Time

If you can live without ESPN and cable channels (few can) - Add a Microsoft Windows Media Center PC and Silicon Dust HDHomeRun and a wireless mouse. This setup also gets you to CBS/NBC/ABC etc to watch a show you forgot to record. Now you have DVR with about a 6 (or less) month payback over cable. W...
by HoosierJim
Wed Oct 14, 2015 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Fair share of expenses for spouses?
Replies: 100
Views: 10580

Re: Fair share of expenses for spouses?

We have "her" money and "our" money. "My" money didn't exist after I put a ring on it. :P Seriously, if you as a couple decide to have one spouse go part time or stop working to watch the kid (or more kids) or take care of a sick parent - how fair would it be to look at...
by HoosierJim
Sat Oct 10, 2015 9:44 pm
Forum: Personal Consumer Issues
Topic: Who Gets a New iPhone Every Year? Why?
Replies: 62
Views: 6918

Re: Who Gets a New iPhone Every Year? Why?

People should be aware that you can get a new non-IPhone phone every year on Black Friday for less than the sales tax on an IPhone.
by HoosierJim
Wed Sep 30, 2015 5:09 am
Forum: Investing - Help with Personal Investments
Topic: Tax strategy for beginner
Replies: 5
Views: 643

Re: Tax strategy for beginner

You didn't mention your employee structure (full/part time/family) - you may want to look at a defined benefit plan.
by HoosierJim
Sun Sep 20, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: What are your best time-savers?
Replies: 108
Views: 14326

Re: What are your best time-savers?

You may want to check out this site --> bogleheads.org - since it will save me years of working for "the man". Lower expense ratios takes off a few years, diversified simple portfolios and no market timing all saves years of work.
by HoosierJim
Fri Sep 18, 2015 7:54 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Are Mutual Fund Fees Destroying My Retirement
Replies: 53
Views: 6675

Re: Dave Ramsey - Are Mutual Fund Fees Destroying My Retirement

"It is difficult for a man to understand something when his income depends on not understanding it." The Dunning–Kruger effect is a cognitive bias wherein relatively unskilled individuals suffer from illusory superiority, mistakenly assessing their ability to be much higher than is accura...
by HoosierJim
Sat Sep 12, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Spreadsheet to show how taxable SS benefits will affect you
Replies: 109
Views: 15864

Re: Spreadsheet to show how the taxable SS benefits will affect you

Great work - I used to think roth conversions taxed at 25% were insane but this makes me rethink it.
by HoosierJim
Sat Sep 12, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: New iPhone
Replies: 117
Views: 15806

Re: Getting one

One reason only: Apple Pay For some people, this alone could pay for the phone From September 16, to the end of the year, cardmembers who pay with their Discover card using Apple Pay will automatically earn an extra 10% Cashback Bonus on up to $10,000 of in-store purchases. Discover it Miles, Miles...
by HoosierJim
Sat Sep 12, 2015 8:37 am
Forum: Personal Consumer Issues
Topic: What are your best time-savers?
Replies: 108
Views: 14326

Re: What are your best time-savers?

sambb wrote:There is an app for so many different things, and it allows me to think about the world in different ways.
Can you list a few of your best time saving apps?
by HoosierJim
Fri Sep 04, 2015 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can I sue my former employer?
Replies: 38
Views: 4822

Re: Can I sue my former employer?

Many times, employers in this situation, whether acting legally or not would want you to sign a waiver in exchange for some type of severance . Was there anything written down or signed? Filing a FMLA-based wrongful termination charge If you believe you were wrongfully terminated, you may file a dis...
by HoosierJim
Fri Sep 04, 2015 7:59 pm
Forum: Investing - Theory, News & General
Topic: Reframing-the-social-security-decision"
Replies: 63
Views: 5498

Re: Reframing-the-social-security-decision"

Another consideration is for people that don't anticipate living much past the S.S break even point and plan to leave a legacy is to keep as much pre-tax (or Roth) money so it can go to their non-spouse beneficiary (say their 1 month old granddaughter) - which then can be stretched over many many ye...
by HoosierJim
Sat Aug 29, 2015 1:33 pm
Forum: Investing - Theory, News & General
Topic: Will Single Premium Immediate Annuities be better with higher interest rates?
Replies: 49
Views: 6325

Re: Will Single Premium Immediate Annuities be better with higher interest rates?

payout = [b]1/remaining-life-expectancy + (10-year-Treasure-rate)/2 [/b] Assuming this back of the envelope calculation is close...., it would appear that "healthy" people with good genes would benefit from this formula. Was wondering if anybody knows how good people are at actually deter...
by HoosierJim
Sun Aug 16, 2015 7:49 pm
Forum: Personal Consumer Issues
Topic: New construction final walk-through
Replies: 12
Views: 1610

Re: New construction final walk-through

Bring an extension cord and halogen light - most rooms, closets, cabinets, under sink, pantries are not bright enough for proper inspection with installed lighting and natural light. Many new homes are energy tested - door pressurization and ductwork pressurization - best to be there when that's don...
by HoosierJim
Wed Aug 05, 2015 7:04 am
Forum: Investing - Theory, News & General
Topic: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios
Replies: 138
Views: 19091

Re: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios

This chart (from http://www.advisorperspectives.com/...why-bond-funds-don-t-belong-in-retirement-portfolios ) looks a lot different emotionally when you cut the age off at 90 years old (about $1.7 million). Does anybody know how likely a currently retiring couple has of one partner reaching 100 year...
by HoosierJim
Thu Jul 30, 2015 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Retiring in a few days
Replies: 35
Views: 5013

Re: Retiring in a few days

Let us know if you receive a permanent bump in your "happiness factor"
by HoosierJim
Thu Jul 30, 2015 7:13 am
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 35
Views: 4407

Re: Is your home owner insurance going up 27% this year?

The hail damage fraud industry that has sprung up in the last 10 years adds cost all homeowner insurance policies. I have heard many people claim they have a new roof due to hail damage. It appears that home owners insurance has become a sinking fund for roof replacement.
by HoosierJim
Tue Jul 28, 2015 11:28 pm
Forum: Personal Consumer Issues
Topic: Mandatory vehicle collision avoidance systems are coming
Replies: 43
Views: 3607

Re: Mandatory vehicle collision avoidance systems are coming

....but I don't want to pay for the other nanny-tech. Unfortunately, we all may need the nanny-tech due to other's distracted driving. Seems like around here, I see texters/facebookers/etc every day veering out of their lanes and it's getting worse every day. It used to be restricted to the young, ...
by HoosierJim
Tue Jul 28, 2015 11:20 pm
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 88
Views: 9397

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

The high property taxes in my locale is nothing compared to the actual rent I would be paying for similar sized property. Like for like, owning a home in good/excellent condition can be favorable for the retiree. In addition - in many places - retirees benefit from Senior Exemptions on property tax...
by HoosierJim
Sat Jul 25, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: Asking for separate checks?
Replies: 88
Views: 9036

Re: Asking for separate checks?

Saw a recent thread here which many posts stated 20% tips are the norm now. Many restaurants now have computerized ordering and checkout systems that easily take care of separate checks. If the restaurant doesn't have a POS and your server can't figure out how to write separate checks, they don't de...
by HoosierJim
Sun Jun 14, 2015 4:42 pm
Forum: Personal Consumer Issues
Topic: Where do you keep your to do list?
Replies: 60
Views: 7082

Re: Where do you keep your to do list?

Trello (trello.com). + 1 How to use Trello The real benefit is collaborating with others. Recently showed a property manager how to use it in collaboration with landscaping contractors. He puts punchlists, quote requests, checklist etc and they share them. The contractors drag items to the ToBeChec...
by HoosierJim
Sun May 31, 2015 8:44 pm
Forum: Investing - Theory, News & General
Topic: Ed Slott 'infomercial' on MPT [Maryland Public TV]
Replies: 21
Views: 2514

Re: Ed Slott 'infomercial' on MPT

Could anybody post a scenario where his advice would make sense with the current tax laws including the marginal benefit? Can people actually buy life insurance at 85 years old?
by HoosierJim
Sat May 30, 2015 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: CPA bilks clients - what techniques do you use to prevent fraud?
Replies: 7
Views: 1504

Re: CPA bilks clients - what techniques do you use to prevent fraud?

This wasn't intended for people that directly manage their accounts at Vangard, Schwab, Fidelity (although they should be concerned about computer security) This was a serious question on what techniques a busy physician/business owner does to check that the fruits of their labor end up in their acc...
by HoosierJim
Sat May 30, 2015 11:08 am
Forum: Personal Finance (Not Investing)
Topic: CPA bilks clients - what techniques do you use to prevent fraud?
Replies: 7
Views: 1504

CPA bilks clients - what techniques do you use to prevent fraud?

Saw this recently CPA illegally obtained over three million dollars from his physician clients’ bank accounts,

Just wondering, what actions do you take to prevent your personal and/or business assets from from being pilfered?


Jim

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