Search found 887 matches

by Teague
Sun Jan 14, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 19
Views: 1860

Re: Daughter Med School Money 100K where to Put it

What is the logic behind this? What makes you think her GPA is "3.0-"? She finished college a year early, so a sub-3.0 GPA sounds unlikely. Or was this supposed to be a tongue-in-cheek comment? If so, I don't find it very funny. Thanks for the valued feedback... sheesh. Yeah, I didn't understand th...
by Teague
Sun Jan 14, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 19
Views: 1860

Re: Daughter Med School Money 100K where to Put it

If her GPA is 3.0- go ahead and spend it. What is the logic behind this? What makes you think her GPA is "3.0-"? She finished college a year early, so a sub-3.0 GPA sounds unlikely. Or was this supposed to be a tongue-in-cheek comment? If so, I don't find it very funny. Thanks for the valued feedba...
by Teague
Sun Jan 14, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 19
Views: 1860

Re: Daughter Med School Money 100K where to Put it

If her GPA is 3.0- go ahead and spend it. What is the logic behind this? What makes you think her GPA is "3.0-"? She finished college a year early, so a sub-3.0 GPA sounds unlikely. Or was this supposed to be a tongue-in-cheek comment? If so, I don't find it very funny. Thanks for the valued feedba...
by Teague
Sun Jan 14, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 19
Views: 1860

Re: Daughter Med School Money 100K where to Put it

If her GPA is 4.0+ put it in CD's or similar.

If her GPA is 3.0- go ahead and spend it.
by Teague
Sun Jan 14, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Firecalc question
Replies: 5
Views: 520

Re: Firecalc question

OK, good to know that. So if Somebody is able to be in The situation that fireCalc gives them 90% or more Success rate with a 3 to 3.5% real ROR , 10% std deviation and 3.5 to 4% SWR , that would probably mean, barring something completely horrible , they should be OK That sounds reasonable to me, ...
by Teague
Sun Jan 14, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 61
Views: 3742

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

The brother of a neighbor had a history of driving under the influence, and his (third? fourth? fifth? I'm not sure) case was pending. His only hope of minimizing his jail time was to hire the best lawyer in town for this sort of thing. The lawyer demanded $10,000 cash up front to take the case.
by Teague
Sun Jan 14, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2097

Re: Do you correct cashier mistakes?

Yes..I was at Walmart had a 100 and pulled it out. but found a 10 so gave him that. We were talking. He gave me change for a 100. Told him about it and gave him the money back. This kind of thing can get a cashier fired, good for you for doing the right thing. Yes, and in my state a cashier is held...
by Teague
Sat Jan 13, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Firing real estate agent after offer made?
Replies: 29
Views: 3154

Re: Firing real estate agent after offer made?

fantasytensai wrote:
Sat Jan 13, 2018 6:49 pm
Can I seriously not fire such an incompetent and unmotivated agent without the legal process?
You've stated you are a lawyer, and you are asking us?
by Teague
Sat Jan 13, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: AirBnB my Van?
Replies: 29
Views: 2534

Re: AirBnB my Van?

So it will be parked. But could there be another option if the weather is really nice?

Like, starry night. Van go?
by Teague
Sat Jan 13, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 3278

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

Since many employer plans seem to cover the employee/family until the end of the month of termination, maybe you should try to leave one employer well before the end of the month to have continued coverage. This. Old employer coverage is effective through end of the month employee leaves. New emplo...
by Teague
Sat Jan 13, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 7911

Re: Kodakcoin

Dedicated to the folks in the Eastman Kodak C-suite: (with profound apologies to Paul Simon) When I think back on all the beer we drank in B-school It’s a wonder we’re employed at all And though a lack of fiscal prudence hasn’t hurt us none Can we postpone this quarterly call? KodaKCoin It gives us ...
by Teague
Thu Jan 11, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4581

Re: A half year off at full pay or a full year off at half pay?

Assuming benefits include a pension, and further assuming the pension is calculated with the common factors of age, salary, and years of service, I'd be tempted to take the full year. My reasoning follows: At the end of the full year off, you will have accrued a full service year, as opposed to 1/2 ...
by Teague
Thu Jan 11, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis of periodic pension payments
Replies: 9
Views: 216

Re: Cost basis of periodic pension payments

IRS publications regarding pension payments do refer to subtracting costs from the payments. I also thought it was a stretch, but I've been surprised before by some of the tax provisions regarding various plans. Well, if it works, let me know. Heck, I could say I could have retired when I turned 80...
by Teague
Thu Jan 11, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis of periodic pension payments
Replies: 9
Views: 216

Re: Cost basis of periodic pension payments

I took an early retirement offer that included a reduction in the monthly payment for early distribution of periodic defined pension payments. The pension was wholly funded by the employer. I did not make any contributions. Can I claim the reduction ("lost" payment) as a cost, reducing the amount o...
by Teague
Wed Jan 10, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Latest generation RAM 1500's
Replies: 27
Views: 1651

Re: Latest generation RAM 1500's

I have a 2014 Ram 1500, V8, "Outdoorsman" trim crew 4WD. It tows like a dream. The multilink rear suspension rides very well (so smooth I firmed it up with a beefier rear anti-sway bar to decrease body roll.) Acceleration is great. The ZF 8 speed transmission is really the star of the show. Gas mile...
by Teague
Wed Jan 10, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 43
Views: 3231

Re: Letter from Social Security re Fraudulent Claim

Or maybe the OP has a Hispanic or Middle Eastern name and someone in the office is just hassling people by sending out these letters. The person sending the letters does not have to be the person mentioned in the letter to ask for in the office. I'll bite. What does the original poster's (OP) ethni...
by Teague
Wed Jan 10, 2018 7:51 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 7911

Re: Kodakcoin

Time for SearsCoin. RadioShackoin. JCPennyCoin. KMartCoin. And various other HailMaryCoins.
by Teague
Wed Jan 10, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 7911

Re: Kodakcoin

Didn't Paul Simon do a song about this way back when? Are there any schemes combining multi-level marketing and cryptocurrency yet? If not, that must be next. Bitconnect. It's advertised on YouTube a lot. http://behindmlm.com/mlm-reviews/bitconnect-review-bitconnect-coin-pump-dump-with-ponzi-rois/ ...
by Teague
Wed Jan 10, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 43
Views: 3231

Re: Letter from Social Security re Fraudulent Claim

Setting OP up for a burglary while they are out? But surely there are easier ways to make a buck than watch someone for a few weeks to see if they are heading to the SSA office, and not just to the corner market etc. where they will return in 5 minutes. Still doesn't make sense. So maybe the letter ...
by Teague
Wed Jan 10, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 43
Views: 3231

Re: Letter from Social Security re Fraudulent Claim

This is very strange. If it's real, I can't imaging the SSA taking this approach (no appointment, contact person appears to have retired, etc.)

If it's fake, I can't imagine what a scammer is hoping to accomplish.
by Teague
Wed Jan 10, 2018 4:50 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 7911

Re: Kodakcoin

Didn't Paul Simon do a song about this way back when?

Are there any schemes combining multi-level marketing and cryptocurrency yet? If not, that must be next.
by Teague
Wed Jan 10, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: FIRECALC Question
Replies: 12
Views: 1452

Re: FIRECALC Question

I've found that interesting, as well. I have my investments with Fidelity, and use their retirement planner... ...I think this makes sense, as the significantly below average market return probably assumes equity returns close to a long term bond rate, where the higher averages benefit from the gre...
by Teague
Tue Jan 09, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 94
Views: 3930

Re: Are Password Managers Really Necessary?

For those concerned that someone will find my paper with all my passwords, don't be. I mentioned that everything is coded. So my Bogleheads account might be listed on the paper as **&G583 and the password 11111111&. I know what it means. You don't. It's completely non-obvious, so even if someone ge...
by Teague
Tue Jan 09, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: FIRECALC Question
Replies: 12
Views: 1452

Re: FIRECALC Question

Thanks....I will think very differently about asset allocation for retirement. It seems like for a very long time frame between 70/30 and 75/25 stocks/bonds really does have the highest success rate, based on long-term historical trends. Highest expected success rate is not the same as highest succ...
by Teague
Mon Jan 08, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: FIRECALC Question
Replies: 12
Views: 1452

Re: FIRECALC Question

There is a tab near the top that says "your portfolio."

Click on that, look for the part that starts with "Percentage of your portfolio that is in equities, versus fixed income? " and chose your allocation as you wish. Then run the program.
by Teague
Mon Jan 08, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 94
Views: 3930

Re: Are Password Managers Really Necessary?

My "password manager" is a piece of paper with my various usernames and passwords written on it. This is folded over once (my version of encryption) and tucked in a drawer with a bunch of boring paperwork in it. ... Con: It is not terribly portable. But I do any important transactions from home any...
by Teague
Mon Jan 08, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 94
Views: 3930

Re: Are Password Managers Really Necessary?

My "password manager" is a piece of paper with my various usernames and passwords written on it. This is folded over once (my version of encryption) and tucked in a drawer with a bunch of boring paperwork in it. Pro: I don't have to worry about the security of the algorithm, or unknown back door vul...
by Teague
Fri Jan 05, 2018 4:50 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 5693

Re: Misuse of adverse

A verse:

A flea and a fly in a flue
were imprisoned, what could they do?
Said the flea - let us fly;
Said the fly - let us flee;
so they flew through a flaw in the flue.

Ad verse:

These signs
Are not
For laughs alone
The face they save
May be your own
Burma-Shave
by Teague
Fri Jan 05, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9602

Re: Effects of extreme cold weather

Boglehead open mic night-

It's was so cold last night...

Crowd: How cold was it?

It was so cold, I woke up this morning and my savings account was frozen.

(rim shot)
by Teague
Wed Jan 03, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Do you eventually get accustomed to your higher balances?
Replies: 47
Views: 6744

Re: Do you eventually get accustomed to your higher balances?

. . . Gaining or losing a billion dollars is a bit above my expectations! . . . . . . Is this like the poster somewhere on this board who insists he has used 8,000 different retirement calculators? . . . Ha! You guys are really smart, but totally missed my message. Thanks for reading ~cfs~ Apologie...
by Teague
Wed Jan 03, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Do you eventually get accustomed to your higher balances?
Replies: 47
Views: 6744

Re: Do you eventually get accustomed to your higher balances?

You get accustomed to your higher balance, ten figure gains are fun to watch, however, consistent ten figure losses are hard to take. And that's the way it is . . . just stay on the bumpy road and hope for the best. Thanks for reading ~cfs~ Gaining or losing a billion dollars is a bit above my expe...
by Teague
Mon Jan 01, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Well pump froze; no water.
Replies: 11
Views: 1542

Re: Well pump froze; no water.

It might not be as bad as it seems. Typically there is a pressure-sensing switch attached to the pipe, right near the wellhead, pressure tank, and all that stuff. This switch tells the pump motor to run, then shut off when the pressure limit is reached. It then starts the motor again once the pressu...
by Teague
Thu Dec 28, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Buying a car advice - what's new since 1994?
Replies: 43
Views: 3141

Re: Buying a car advice - what's new since 1994?

the auto-braking when someone walks in front of your car enables carjacking, so I want to override it instantly or just deactivate it, if so equipped. You mean there are carjackers who step in front of a moving vehicle, with the hope that: a) it has auto-braking b) it can detect them and stop the c...
by Teague
Wed Dec 27, 2017 8:45 pm
Forum: Investing - Theory, News & General
Topic: What the experts say about Bitcoins?
Replies: 114
Views: 7756

Re: What the experts say about Bitcoins?

According to the Wall Street Journal 96% of economists polled say bitcoin is a bubble: https://blogs.wsj.com/economics/2017/12/13/is-bitcoin-a-bubble-96-of-economists-say-yes/ There's your expert opinion right there. Yes, but they're all Economists. That's the trouble with highly educated experts. ...
by Teague
Sun Dec 24, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: Using lumens to buy light fixtures
Replies: 26
Views: 2057

Re: Using lumens and color temperature to buy light fixtures

The "traditional" way of buying light bulbs. Look at wattage. Buy. Higher meant more light. We ignored: life and lumens. They were on the package, but we just did not care as every brand was the same. We ignored: brand and price. All were so close. After all, they were the culmination of 100+ years...
by Teague
Sun Dec 24, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Using lumens to buy light fixtures
Replies: 26
Views: 2057

Re: Using lumens and color temperature to buy light fixtures

The "traditional" way of buying light bulbs. Look at wattage. Buy. Higher meant more light. We ignored: life and lumens. They were on the package, but we just did not care as every brand was the same. We ignored: brand and price. All were so close. After all, they were the culmination of 100+ years...
by Teague
Sat Dec 23, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Naval Officer looking ahead to retirement
Replies: 10
Views: 1080

Re: Naval Officer looking ahead to retirement

I have been a longtime lurker to these forums and finally signed up. I try to educate myself across the Personal Finance spectrum- from "Rich Dad, Poor Dad" to Dave Ramsey and many things in between. I am big fan of JL Collins, Stacking Benjamins, and others. Looking for some assistance concerning ...
by Teague
Sat Dec 23, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Photos dark because of sunlight..what free software to enhance
Replies: 27
Views: 1645

Re: Photos dark because of sunlight..what free software to enhane

Hi, I have couple of photos which have come dark because of the sunlight. What is the best free software to use to get the correct image? FB Do you mean the photos are backlit, with a bright background and dark subject, because the background was much brighter than the subject? You can use software...
by Teague
Fri Dec 22, 2017 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting standard and retirement
Replies: 4
Views: 668

Re: Deducting standard and retirement

I am certainly not very knowledgeable on this, but here is my understanding: The amount you contribute to 401(k), 457(b) and the like is not counted in your wages, salaries, tips, etc. on 1040 line 7 in the first place. That amount never even makes it onto your tax return. As far as I know, these ru...
by Teague
Fri Dec 22, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Using lumens to buy light fixtures
Replies: 26
Views: 2057

Re: Using lumens to buy light fixtures

Two fixtures may do a better job of putting the light where you want it. +1 -- which direction are the lumens pointing? At first I thought this post was a "story problem." :( Me too. And I wondered if "lumen" was the name of yet another new cryptocurrency. Like "My lumen investment went up 18,000 p...
by Teague
Fri Dec 22, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: Quite a few people I know in real life that normally don't mess with finances have brought up investing in bitcoin
Replies: 74
Views: 6869

Re: Quite a few people I know in real life that normally don't mess with finances have brought up investing in bitcoin

john4546 wrote:
Thu Dec 21, 2017 6:26 pm
Vention1MGTOW likes and endorses bitcoin:

https://www.youtube.com/watch?v=55WIcizU0Zs
I learned two things from that video:

1. This guy who states he is a "MGTOW" recently lost a bucket of money through Bitcoin.

2. Through Wikipedia I learned what a "MGTOW" is. Wow.
by Teague
Wed Dec 20, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5360

Re: Electric Energy Usage

First thing I'd do is install propane and switch to a propane water heater. We did just that 2 years ago, and it made a large difference in our energy costs. When they are plumbing that, make sure they leave a plugged tee near your clothes dryer, so you can easily switch that too if you want. And m...
by Teague
Tue Dec 19, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Repair car or time for new (used) car?
Replies: 26
Views: 1563

Re: Repair car or time for new (used) car?

I wouldn't worry about 1/2 quart of oil consumption per month, and I'd fix the radiator. But make sure the oil isn't leaking, which could be an easy fix, like carefully tightening the valve cover bolts. As someone who is planning on buying a Grand Cherokee in the near future, I find your post encour...
by Teague
Tue Dec 19, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Memories over money
Replies: 40
Views: 2783

Re: Memories over money

I have memories of being broke when I was younger.
by Teague
Tue Dec 19, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5360

Re: Electric Energy Usage

First thing I'd do is install propane and switch to a propane water heater. We did just that 2 years ago, and it made a large difference in our energy costs. When they are plumbing that, make sure they leave a plugged tee near your clothes dryer, so you can easily switch that too if you want. And ma...
by Teague
Mon Dec 18, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 6385

Re: Can I afford it: Dodge Challenger

My thoughts? Demon. Or at least Hellcat it.
by Teague
Sun Dec 17, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Beefy Brothy Stocky Thing Advice
Replies: 24
Views: 2744

Re: Beefy Brothy Stocky Thing Advice

We know the creation, for better or worse, should be finished. Foreshadowing has left us anticipating something, but what? We have heard nothing.

Suspense builds.

Suspense is also a powerful literary device.
by Teague
Fri Dec 15, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Beefy Brothy Stocky Thing Advice
Replies: 24
Views: 2744

Re: Beefy Brothy Stocky Thing Advice

I see your foreshadowing and raise you a portending presagement. Your stockpot 'tis not so deep as a well nor so wide as a church-door, but 'tis enough, 'twill serve. Perchance might it be a dark and stormy night tomorrow, as you carefully nurture your creation? Please let us know how this turns out.