Search found 197 matches

by Slacker
Thu Aug 17, 2017 12:35 am
Forum: Investing - Help with Personal Investments
Topic: California - clarification on taxes
Replies: 36
Views: 2385

Re: California - clarification on taxes

Wait, you get more Social Security the more you contribute? So if you do $1 more of overtime, you'd get more from SS then if you had not done the overtime? Declining returns though. If you hit $127,000+ per year for 35 years, you won't get anything more into social security by earning more. Also th...
by Slacker
Sun Aug 13, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 104
Views: 16236

Re: Best place (with warm weather) to raise children

Have you researched Washington, DC? I would love to hear from people who live / lived there also. After months of analyzing options last year, my wife and I decided to move our family to Washington DC for a couple years while I attended graduate school (so there were other factors that won't apply ...
by Slacker
Sat Aug 12, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 4470

Re: Moving to Phoenix. Need advice.

My wife is a Phoenix native, so she didn't have any issues commuting by bike (mtn bike) 20 miles roundtrip until the beginning of June and starting again at the end of August from Mesa to ASU. I am not a Phoenix native. I stop riding around early/mid April, too hot and brutal after that for me. I do...
by Slacker
Sat Aug 12, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from LCOL to HCOL -> what do I need to take into account?
Replies: 6
Views: 800

Re: Moving from LCOL to HCOL -> what do I need to take into account?

You should take into account the schools. Not all the beach communities are affluent even though the prices seem high. I have spent 23 years living in Greater LA or greater SD. You don't want to send your kid to an Oxnard school. Thank you for the additional input. Schools will not be important for...
by Slacker
Sat Aug 12, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from LCOL to HCOL -> what do I need to take into account?
Replies: 6
Views: 800

Moving from LCOL to HCOL -> what do I need to take into account?

Hello, We are investigating moving from Arizona to California (Southern California from Santa Barbara down to San Diego staying close enough to the coast to avoid the intense heat of areas like San Bernadino). We work from home and our incomes will stay the same (between $225k-250k gross annually). ...
by Slacker
Sat Aug 12, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8679

Re: When does renting make sense

Does the majority of people here really believe that you only rent apartments and never rent houses? So many of the arguments are predicated on renting apartments, I find that astonishing. I rent a big home with nice appliances just like what we had in the home we own elsewhere. I still end up going...
by Slacker
Fri Aug 11, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 104
Views: 16236

Re: Best place (with warm weather) to raise children

Ventura, about forty miles south of Santa Barbara, is another option. I'm not sure how much housing costs, because I always rented while I was living there. (I lived three blocks from the ocean.) To give you an idea, I rented there for almost twenty-five years. I believe my first rent payment, not ...
by Slacker
Fri Aug 11, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 104
Views: 16236

Re: Best place (with warm weather) to raise children

Absolutely agree with your last sentence. I like Southern California too but it is ridiculously expensive. Have you researched Washington, DC? I would love to hear from people who live / lived there also. Here are the weather and family rankings I found: http://realestate.usnews.com/real-estate/sli...
by Slacker
Fri Aug 11, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Be aware of Project Fi phone buy service
Replies: 26
Views: 1811

Re: Be aware of Project Fi, Google sometimes is evil

I dont think you can pop a Google FI sim into an iPhone and have it work easy peasy. I recently read that you *can* do this, however it seems to then only use the T-mobile network (losing Sprint and US Cellular capability), tends to have lower quality connection and may have issues with the hand-of...
by Slacker
Thu Aug 10, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: "Feds charge brokers in TSP fraud scheme"
Replies: 25
Views: 3143

Re: "Feds charge brokers in TSP fraud scheme"

VictoriaF wrote: But I must also say that if the TSP had more flexibility with the post-retirement withdrawals and Roth conversions, fewer people would be looking elsewhere and encountering crooks.

Victoria
That is supposed to be up for review soon.

https://www.fedsmith.com/2017/08/07/pro ... anges-tsp/
by Slacker
Sun Aug 06, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do I find a competent Estate Attorney?
Replies: 8
Views: 918

How do I find a competent Estate Attorney?

Hello Bogleheads, What methods do you use to find a competent Estate Attorney? I am unsure of the best way to search and screen attorneys. We've tried in the past for other professionals (such as Doctors) using online review websites with mixed results. Just wondering how others approach the problem...
by Slacker
Sun Aug 06, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: "Feds charge brokers in TSP fraud scheme"
Replies: 25
Views: 3143

Re: "Feds charge brokers in TSP fraud scheme"

The fraud, if any, is in misrepresentation of some material fact. It is not in just a difference of expense ratio. Bingo!! That is what I wanted to see. Relevant snippet from the article: “In connection with at least five of these sales, defendants Hood and Long made additional oral misrepresentati...
by Slacker
Wed Aug 02, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: does solar increase the value of a house
Replies: 61
Views: 5198

Re: does solar increase the value of a house

It seems you are trying to make an argument (implied) that solar panels are inherently "dirtier" than coal. I believe you will be hard pressed to maintain such a ludicrous position. Didn't say that at all. "you" assumed (and implied) that yourself. Implied by the specific quotes you carefully prune...
by Slacker
Tue Aug 01, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: does solar increase the value of a house
Replies: 61
Views: 5198

Re: does solar increase the value of a house

We got them because we wanted to reduce our impact on the earth, not because of resale value, so we don't care much about resale. Fabricating the panels requires caustic chemicals such as sodium hydroxide and hydrofluoric acid, and the process uses water as well as electricity, the production of wh...
by Slacker
Tue Aug 01, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: does solar increase the value of a house
Replies: 61
Views: 5198

Re: does solar increase the value of a house

Just FWIW, this came-up as a question at a recent HOA Board meeting where we live here in southern Arizona. The "feeling" from the discussion which resulted was that solar panels neither increase or decrease the value of a home----unless, of course, there are so many of the panels present...
by Slacker
Mon Jul 31, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 47
Views: 4338

Re: Comcast - lease modem/router or buy?

CenturyLink also tried to charge me rental fees for my own Fiberoptic modem (purchased from CenturyLink). On the OP question - if you know what you are looking for (model, DOCSIS version, etc) you can even get modems pretty cheap off of craigslist. Just don't buy anything too old. I did this previou...
by Slacker
Mon Jul 31, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 56
Views: 3658

Re: Non Stick frying pan

My experiences: I usually just get two of the cheapest 8" non-sticks I can find and recycle them every 1-2 years. I only use these as egg pans (never high heat, only silicone spatula). Last time I tried to find my old trusty replacement pans, the lowest prices I found were about $10/pan - way t...
by Slacker
Sun Jul 30, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 37
Views: 5870

Re: NYT: Buy more takeout and hire a maid, study suggests

I can buy the premise of the article. My wife and I were house hunting and my requests were no grass, no pool. She rented us a house with grass and a pool because it had "curb appeal". Now, she does all the lawn work. I despise lawn work (an enlistment in the army broke me of any desire to...
by Slacker
Sat Jul 29, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 31745

Re: Tesla Model 3 or Chevy Bolt?

The biggest issue that I see is $35K car will NOT be built until they complete $52K car orders. This means that the federal tax credit will run out before the lower priced cars will reach customers hand. Not quite. See this website for how the federal tax credit works (scroll down to the section la...
by Slacker
Wed Jul 19, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Those Of You In a HCOLA - What's Your Financial Plan
Replies: 68
Views: 6997

Re: Those Of You In a HCOLA - What's Your Financial Plan

Expenses: Rent - $1350 (30 miles outside the city) Utilities - $135 Groceries - $500 Transportation (Car payment, insurance, fuel) - $525 Entertainment - $250 Personal Spending - $100 Charity - $80 Total - $2940 Very affordable rent for a HCOL area. Like a few others mentioned, work on increasing i...
by Slacker
Mon Jul 17, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2509

Re: How Much Would You Spend on a Blender?

We have a ninja set that we use frequently. It has served us quite well. The Auto-IQ feature seemed like a marketing gimmic but it does work quite well to more thoroughly mix smoothies that other (cheaper) blenders would not be able to do (a bit annoying to put your protein powder in the blender and...
by Slacker
Sat Jul 15, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7569

Re: Switch to federal job?

I would estimate that in government (or at least my agency), for every 10 employees, 4 are carrying 6 on their backs - compared to industry where it was closer to 8 carrying 2. In my work classification & agency, there are no team projects. Your work is "graded" on your own personal w...
by Slacker
Sat Jul 15, 2017 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7569

Re: Switch to federal job?

Maybe someone can do the math, but I believe federal defined benefit pensions are based on the last three years income - so (it seems at least) there may be a bias/benefit of "retiring" from federal service with the higher pay for those last few years. It's based on "high 3" whi...
by Slacker
Fri Jul 14, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6548

Re: Is it Safe to Get Your DNA Tested?

Wow, according to the numbers I'm seeing here Ancestry.com's expensive compared to 23andMe.com. And they're the ones that ended up working through the FDA regulations for some of the medically important ones. I read an article about 3-4 months ago discussing how 23andMe were conducting the testing ...
by Slacker
Fri Jul 14, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7569

Re: Switch to federal job?

Slacker, Work from home anywhere in the CONUS Since compensation is locality based, do they adjust your pay rate if you decide to move? I guess they know where you are by your mailing address. No, I am in a special classification where we are paid "well below market" so they keep us at ou...
by Slacker
Thu Jul 13, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7569

Re: Switch to federal job?

I've seen several engineers with 10-20 yrs under their belts and MS degrees from prestigious schools collapse under the stress of my fed job and getting fired during the probationary period... I'm not sure where these low stress, kick your feet up jobs are but I'll try to remember how easy I have i...
by Slacker
Thu Jul 13, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6522

Re: Cheap eggs... how bad?

Since you are only eating the whites, you are likely to notice little taste difference between the "industrial eggs" and free-range or cage free. Kroger brand stores typically have cage-free eggs for sale @ $1.99 / dozen every 6-7 weeks and $2.49 / doz between those sales. The 18 pack at K...
by Slacker
Tue Jul 11, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7569

Re: Switch to federal job?

When you retire, you pay 100% of the FEHB cost. Oops, from the OPM website [with respect to non-Postal]: Q: Will my premiums increase once I retire? A: No, you will pay the same premium as you paid while you were an employee . ... Retirees receive the same government contribution as most Federal em...
by Slacker
Tue Jul 11, 2017 3:03 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7569

Re: Switch to federal job?

I've seen several engineers with 10-20 yrs under their belts and MS degrees from prestigious schools collapse under the stress of my fed job and getting fired during the probationary period... I'm not sure where these low stress, kick your feet up jobs are but I'll try to remember how easy I have it...
by Slacker
Thu May 25, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 719
Views: 298358

Re: Ultimate Buy and Hold - 8 slices vs 4

. Good Evening Bogleheads... Thought it was interesting how close the 4 slice combo of (LB,SV,ILV,IS) and the 8 slice combo of (LB,LV,SB,SV,ILB,ILV,ISB,ISV) did performance wise. For most of the near 40 years you can't see one line over the other. Looks like a reasonable way to greatly simplify the...
by Slacker
Sun May 14, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 4055

Re: Switch from iPhone to Google Fi and Pixel?

We switched from T-mobile to Project Fi. We travel into very rural areas in the mountains to visit family on occasion. The voice coverage is just fine in these marginal areas, but when I need data I often have to "force" the phone to try switching to one of the other networks. (For example...
by Slacker
Wed Apr 26, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 21449

Re: Any regrets living a frugal life for high income/high networth individuals?

I have a friend who is ultra frugal like many on here and retired at 45. Now 50, he is bored. Nobody else within +/- 10 years of his age is retired so he and his wife have nobody to do things with on weekdays. Recently he started driving uber just to have something to fill his time I think... That'...
by Slacker
Wed Apr 26, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Fed and newbie boglehead seeking portfolio advice
Replies: 17
Views: 1687

Re: Fed and newbie boglehead seeking portfolio advice

Dominic wrote: Then fill up the TSP with a 4 to 1 ratio of S fund to C fund (round towards the C fund). This combination is more-or-less US Total Stock Market.


I think you may mean 4 to 1 ratio of C fund to S fund. C is the S&P500 and S is the DJ completion index.
by Slacker
Wed Apr 26, 2017 2:08 am
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 10034

Re: Why is Real-Estate so Bad?

Why is Real-Estate so Bad? Well, I have a full time job. Finding good deals takes skill, time, a lot of hustling, and a bit of charisma. I do have one rental that is successful by my personal measures, but most "full time" real estate investors wouldn't touch it. I've spent roughly 150hrs ...
by Slacker
Tue Apr 25, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 7383

Re: My Doctor says I am "unusual" (declining some blood tests)

I've asked my Dentist to only do x-rays once per year as opposed to the twice a year he wishes to do. He usually just tells me that he won't charge for it. If for no other reason, why wouldn't it make sense to minimize exposure to radiation from X-ray machines? I am a little less worried about this...
by Slacker
Tue Apr 25, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 13508

Re: Will cars be autonomous in three years?

I could see one or two high end models being lvl 3 autonomous and available for sale in 3 years. Where I really see a huge impact is the proliferation of lvl 1 features such as auto-emergency braking and adaptive cruise control. Unfortunately, these features may reduce how much attention people prov...
by Slacker
Mon Apr 24, 2017 12:56 am
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 7864

Re: Time savers - life on automation

#2 zojirushi rice cooker - it is spendy, but it does any kind of rice, perfectly, every time. Requires no attention whatsoever This rice cooker can also do your oatmeal. Set it the night before and save even more time in the morning. There are suggestions across the interwebs on how to do it. And w...
by Slacker
Sun Apr 23, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 7383

Re: My Doctor says I am "unusual" (declining some blood tests)

I've asked my Dentist to only do x-rays once per year as opposed to the twice a year he wishes to do. He usually just tells me that he won't charge for it.

Is it wrong to seek out life insurance once a year for the free blood tests? This even results in in-home service for my blood testing. :twisted:
by Slacker
Wed Apr 19, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 14034

Re: Do you have an umbrella policy?

I'm paying 355/yr for 2 million from state Farm. Just got the policy. Kids are both under 3. I assume my rate goes way up when they can drive. We have no previous accidents on our record though. I think having the young kids also increases the cost slightly, because you are more likely to have frie...
by Slacker
Wed Apr 19, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 14034

Re: Do you have an umbrella policy?

Wish I could get some of these low umbrella rates other people are paying...mine is $330 for only 1m and I called around - that was the cheapest and includes the discount from home/auto with same carrier. Tried to get 2m and it MORE than doubled. Unfortunately I'm in a HCOL area, one of the highest...
by Slacker
Tue Apr 18, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 14034

Re: Do you have an umbrella policy?

Currently have $1M Umbrella policy and requisite liability limits on Auto, Renter's and Rental policies. Set up the Umbrella policy as soon as we put our first rental property into service. Currently we live in a small bedroom / retirement community in a low cost of living area. We may be moving to ...
by Slacker
Sat Apr 01, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 11746

Re: Saving 50% of salary; what does it really mean?

AZ tax rate dual low six figure income (dual 401K and HSA) No children at home, just pets We save & invest roughly 60% of net pay (net of taxes) / roughly 45% of gross pay...I'm cheating and including the employer matches though (5% of income for 401K and $1500 total for the HSAs). Our effective...
by Slacker
Sat Mar 25, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Can a massage chair favorably compare to mediocre budget massages from Groupon?
Replies: 4
Views: 874

Can a massage chair favorably compare to mediocre budget massages from Groupon?

Hello Bogleheads, I have read through a few past threads on massage chairs here at this forum and I don't believe my question was addressed: How well can a massage chair compare to a mediocre budget massage from Groupon? We are willing to spend up to $7500 for a massage chair if it can at least achi...
by Slacker
Tue Mar 21, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: TSP Loan for First Time Homebuyer
Replies: 32
Views: 1253

Re: TSP Loan for First Time Homebuyer

You are not stuck with the two choices of awful below market rental vs overextending to buy. You can choose to move into decent market rate rental digs. What would the impact be on your savings/loan repayment rate of the increased rent? I bet it's lower than the impact of mortgage plus taxes and ma...
by Slacker
Tue Mar 21, 2017 1:07 am
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 2215

Re: When does a new computer make sense...

My computer is about 5 years old, still humming along just fine (Dell XPS 15Z).

When I really get the itch to get something that performs better, my plan is to just swap from the old HDD to a solid state drive. Perhaps a similar upgrade can help your current computer "feel like new again".
by Slacker
Tue Mar 21, 2017 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 5656

Re: Any downside in buying a brand new house ?

We purchased new in late 2014 and the construction completed by mid 2015. Get a Real Estate Agent - most of the "big companies" don't give you discounts for going without representation so it doesn't really cost you anything to have another person in your corner. This will be "easy mo...
by Slacker
Sun Mar 19, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: First Home and Another Investment Property
Replies: 11
Views: 717

Re: First Home and Another Investment Property

With what you suggest, have you looked into purchasing a Duplex? You live in one side and you carefully screen your tenants for the other side. Kind of lets you pick your neighbors and in many cases (I don't know about CA real estate) you can end up having most of the entire mortgage covered by your...
by Slacker
Thu Mar 16, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Prius Prime Looks Interesting...Price is Very Attractive
Replies: 24
Views: 4485

Re: Prius Prime Looks Interesting...Price is Very Attractive

do you get the full $7500 federal tax credit and state credits with the Prime? The federal credit available is $4500 (probably owing to the range/size of battery). State credits? You'll have to check on your individual states. I believe Colorado's new system (straight $5000 no longer calculated bas...
by Slacker
Wed Mar 15, 2017 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate investing the Boglehead way
Replies: 39
Views: 8069

Re: Real estate investing the Boglehead way

I've heard of folks who put everything in the hands of the property manager, but I'm not ready to take such a leap of faith yet. I've heard horror stories about poor property managers (mostly one man shops, but occasionally about corporate ones as well). Yes, I have heard and read of horror stories...
by Slacker
Wed Mar 15, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate investing the Boglehead way
Replies: 39
Views: 8069

Re: Real estate investing the Boglehead way

There are a lot of folks who try to invest in real estate and lots of success stories, and a good share of experience stories. It appears to me that when making plans, many people only look at the positive results and ignore the failures. There's an element of survival bias and rose colored glasses...