Search found 136 matches

by doss
Mon Apr 23, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI
Replies: 175
Views: 9525

Re: KF's simple rules to achieve FI

This has been an interesting thread. I never thought about the idea of funding college via cash flow once my retirement goals have been met -- always thought you had to do it through 529s from the start. KF's method makes sense, I am just not sure yet if it's the best method for me (still searching)...
by doss
Mon Apr 23, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 207
Views: 10807

Re: Work Commute: How far is too far?

My commute has me in my car for over 3 hours each day. Been doing it for 10 months now. Sucks I've been doing 3.5 hours daily for 15 months. "Sucks" is an understatement. This is affecting my health and will prematurely kill me unless I find the cajones to pull the ripcord. If I suddenly go dark on...
by doss
Wed Apr 04, 2018 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 6446

Re: Grass is always greener, federal edition

I retired in 2007 at 55 from the federal government under the old cadillac CSRS. They have religiously direct deposited $9000+ in my bank account every month since I left. Additionally I was also able to participate in the TSP (no matching) and will be covered by Federal Health Benefit Plan (FEHB) ...
by doss
Wed Mar 28, 2018 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 6446

Re: Grass is always greener, federal edition

Why don't you just take the federal contracting route? Here's why: 1.) You get to stay with your employer, same job duties, same boss, same people, etc. 2.) You get same govie-like schedules, 40hr work week (often illegal to work more than your govie counterparts), same holidays, etc 3.) Agencies li...
by doss
Tue Mar 27, 2018 6:53 am
Forum: Investing - Help with Personal Investments
Topic: My wife's 403b has high managment fees?
Replies: 3
Views: 306

My wife's 403b has high managment fees?

My wife (currently a SAHM) has a 403b with only the following fund: Vanguard Inst. Index Plus (VIIIX) --- $20k Balance , 100% invested Quarterly, she is hit with an administrative fee of $15.00 That seems pretty high. Is this normal? According to the prospectus: Annual Fund Operating Expenses (Expen...
by doss
Mon Mar 26, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Any hand written letter services out there that write and mail on your behalf?
Replies: 25
Views: 2329

Re: Any hand written letter services out there that write and mail on your behalf?

I am finding in this day and age that a personal hand written letter goes much furthe r than emails...especially when corresponding with banks, hospitals, warranty claims, shopping quotes, etc. So you want a personal hand written letter that isn't really personal? :beer I do. I'm too lazy to be per...
by doss
Mon Mar 26, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Any hand written letter services out there that write and mail on your behalf?
Replies: 25
Views: 2329

Re: Any hand written letter services out there that write and mail on your behalf?

Earl Lemongrab wrote:
Mon Mar 26, 2018 7:20 am
At least one that I saw online offered a free note. That one at least uses "robots" to produce the written page.
Robots are fine. Unfortunately, it's looking like average is about $5-6 to send a single letter with postage, etc. Price point not quite there ...if it was $2, yes.
by doss
Mon Mar 26, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Any hand written letter services out there that write and mail on your behalf?
Replies: 25
Views: 2329

Re: Any hand written letter services out there that write and mail on your behalf?

AlohaJoe wrote:
Mon Mar 26, 2018 7:12 am
I googled "hand written letter services" and found a few options.
I should've been more clear...anyone have any experiences using one? :oops:
by doss
Mon Mar 26, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Question on Ally Savings Account vs Capital One 360 MMA?
Replies: 8
Views: 1308

Re: Question on Ally Savings Account vs Capital One 360 MMA?

I have both accounts. I am pretty sure that you cannot write checks on Capitol One's 360. Ally pairs their savings account with a checking account and you can transfer funds to the checking account. I established a checking account with $100 at Ally when I established the savings account. I have ne...
by doss
Mon Mar 26, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Any hand written letter services out there that write and mail on your behalf?
Replies: 25
Views: 2329

Any hand written letter services out there that write and mail on your behalf?

Does anyone know if there's a service out there that will write and mail a letter on your behalf? In other words, you type up a message and email to the service and they will copy that and mail it (stamp and all) to the recipient for you. Better yet, any that will hand write for you and then just at...
by doss
Sun Mar 25, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone with Capital One's old High Yield Checking Account AND 360 Money Market Savings Account?
Replies: 0
Views: 248

Anyone with Capital One's old High Yield Checking Account AND 360 Money Market Savings Account?

To anyone with the old Capital One "High Yield Checking" and the newer 360 Money Market Savings Account.... 1.) Are you able to link your 360 Money Market Savings Account to your High Yield checking and have the 360 act as overdraft protection? 2.) Not related to the above, but is there reimbursemen...
by doss
Sat Mar 24, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Question on Ally Savings Account vs Capital One 360 MMA?
Replies: 8
Views: 1308

Question on Ally Savings Account vs Capital One 360 MMA?

I want to open an online savings account, but I was wondering why people recommend Ally bank when other banks such as Capital One 360 Money Market account not only provide a higher interest rate (1.50 vs Ally's 1.45) , but also check writing capability? I'd need to write about 1 check a week, so won...
by doss
Fri Mar 23, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Saving for a home in 3-4 years -- willing to take risks? Where to keep $$?
Replies: 18
Views: 1045

Re: Saving for a home in 3-4 years -- willing to take risks? Where to keep $$?

If I sell my current home, I have to live somewhere, no? Also, I like the idea of having an empty home to sell with nothing but new paint and carpeting in it. Will you qualify for both mortgages at once? Your bank may not give you another mortgage unless your purchase is contingent on the sale of y...
by doss
Fri Mar 23, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Saving for a home in 3-4 years -- willing to take risks? Where to keep $$?
Replies: 18
Views: 1045

Re: Saving for a home in 3-4 years -- willing to take risks? Where to keep $$?

will you make a little profit on selling the current home ? or are you thinking of keeping for rental ? If you plan to sell current home you should have some equity to transfer over (no?), thus reducing your need for the full $56K to hit 20% ? If I sell my current home, I have to live somewhere, no...
by doss
Fri Mar 23, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Saving for a home in 3-4 years -- willing to take risks? Where to keep $$?
Replies: 18
Views: 1045

Saving for a home in 3-4 years -- willing to take risks? Where to keep $$?

I'd like to save money somewhere for a down payment on a home. I need to save around $56,000 for 20% down (the houses I'm looking at average around $280k asking price) and I plan to save $2,000 a month towards the down payment. We don't need to buy the house until 3-4 years, but due to the scarcity ...
by doss
Fri Mar 23, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: Possible 1 month of unemployment -- how to maximize time off? (non job related)
Replies: 22
Views: 1512

Re: Possible 1 month of unemployment -- how to maximize time off? (non job related)

Thanks, guys. Appreciate all the commentary! Today was supposed to be my last day -- I got a call late yesterday stating that I can return to work next week and wait a couple of weeks or so until my new gig is funded! So, I don't have to worry about using paid time off. This is awesome news! :beer O...
by doss
Wed Mar 21, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Possible 1 month of unemployment -- how to maximize time off? (non job related)
Replies: 22
Views: 1512

Re: Possible 1 month of unemployment -- how to maximize time off? (non job related)

Start looking for jobs anyway. Maybe you will find a better one. Maybe the potential one they offered you doesn't come through. If you have any extra time, clean and organize your house or apartment and complete all those tasks you have put off such as painting and fixing the crooked blind. Practic...
by doss
Wed Mar 21, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Possible 1 month of unemployment -- how to maximize time off? (non job related)
Replies: 22
Views: 1512

Possible 1 month of unemployment -- how to maximize time off? (non job related)

I was just given a two week's notice almost two weeks ago. This is the first time I've been in this position. I am 37 and am married with 1 toddler and a non-working spouse and it has been a bit unnerving at night. Luckily, my company called me last evening and stated that they have a new position f...
by doss
Fri Mar 09, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Anyone with Citi bank? Frustrating trying to close my account
Replies: 10
Views: 898

Re: Anyone with Citi bank? Frustrating trying to close my account

:annoyed I am now trying to close my account but Citi no longer allows chat or secure messaging for banking services! While i don't have a checking account with them so can't see your login screen for that part, this isn't true for their credit card side. My Secure Message Center is found by scroll...
by doss
Fri Mar 09, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Anyone with Citi bank? Frustrating trying to close my account
Replies: 10
Views: 898

Re: Anyone with Citi bank? Frustrating trying to close my account

Just use snail mail. Write a letter to close the account. US mail is a safe way to have a check mailed. We've dealt with mailed checks up to about $500,000. Sometimes using the mail and paper checks is the easiest and most expedient way of getting things done with the fewest be procedural obstacles...
by doss
Fri Mar 09, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Anyone with Citi bank? Frustrating trying to close my account
Replies: 10
Views: 898

Anyone with Citi bank? Frustrating trying to close my account

I was one of the suckers that fell for the Citigold promotion a while back where you could use a credit card to fund your bank account (for miles) and also get $100 knocked off your $450 annual fee (Citi Prestige card). Last year or so Citi changed their Citigold requirements and now you have to kee...
by doss
Fri Mar 02, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: New construction woes
Replies: 30
Views: 2939

Re: New construction woes

Dear fellow bogleheads, Maybe you’re able to give me some thought on my problem. We built a custom home , moved in and continue to find faults such as drafty fireplace, unoperable windows , showers that run cold water only , leaks in the hot air ducts etc etc. This is a 600 k custom home and the bu...
by doss
Fri Mar 02, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Why child care tax credit for double income families, but not single?
Replies: 32
Views: 3547

Re: Why child care tax credit for double income families, but not single?

Single income families do very well under the tax code all things considered. But yes, it is true that DW's years out of the labor force may reduce her Average Indexed Monthly Earnings (AIME) and SS benefits down the road. On the other hand, spousal and survivor benefit formulae ultimately work to ...
by doss
Thu Mar 01, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Expanding current house vs buying your ideal house?
Replies: 14
Views: 946

Re: Expanding current house vs buying your ideal house?

The house clearly ticks major necessary parameters - there are some points which bother you but nothing can be perfect. Overall, dont put money in expensive repairs or upgrade the house - rather put it towards life's necessities. +1 No house will ever be perfect. Enjoy current house and location. W...
by doss
Thu Mar 01, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Expanding current house vs buying your ideal house?
Replies: 14
Views: 946

Re: Expanding current house vs buying your ideal house?

Thoughts. Upstairs. . . thick noise absorbing carpet padding (get the best, it works). Bose Noise Cancellation Headphones. Deal breaker is planning to move in 15 years and pouring funds into the home instead of the future home. DW is happy. Children are happy. Lifestyle intrusion and financial stre...
by doss
Wed Feb 28, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Why child care tax credit for double income families, but not single?
Replies: 32
Views: 3547

Re: Why child care tax credit for double income families, but not single?

Cobra Commander wrote:
Wed Feb 28, 2018 4:25 pm


The deduction is meant to provide an incentive/subsidy for dual-income households to offset the costs of daycare. You, as a single income household, do not need the offset because your spouse is not working and is available to watch the children.
Seems this is backwards.....
by doss
Wed Feb 28, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why child care tax credit for double income families, but not single?
Replies: 32
Views: 3547

Why child care tax credit for double income families, but not single?

With a soon to be 2 year old, we are looking at enrolling him at a preschool this year. My wife is currently a stay at home mom but doesn't make enough to really make it worth while to go back to work. I was curious if we are eligible to deduct daycare credit next year? Qualifications for the child ...
by doss
Wed Feb 28, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Expanding current house vs buying your ideal house?
Replies: 14
Views: 946

Expanding current house vs buying your ideal house?

Profile: Age 38, wife is 32 and SAHM. We have 1 child that is going to be 2yrs old. Plan to have one more in the next year or two. We live in the Midwest in a low cost of living area within walking distance of all the major landmarks: hospital, main street, blue-ribbon school, shops, church, cafes, ...
by doss
Wed Feb 28, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 5103

Re: Dealership oil change worth it?

With Ford, you can take your car in to the dealership and do an oil change, fluid top offs, tire rotation, checks, for $39 every time. Just go to ford.com and look up your dealership and grab service coupons there. Normal price I believe is 60-70. The above price point is reasonable, imho. Plus, the...
by doss
Tue Feb 27, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Am I too heavy with Target Date funds? Age 38
Replies: 16
Views: 1845

Re: Am I too heavy with Target Date funds? Age 38

Agree with above, the Vanguard Target Date funds are quite good and are essentially fire and forget. You should be getting the institutional version of the TD which would drop the expense ratio around .10 to .08? Re your emergency funds, are you using a high yield savings account, e.g. Ally, AMEX, ...
by doss
Tue Feb 27, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Am I too heavy with Target Date funds? Age 38
Replies: 16
Views: 1845

Am I too heavy with Target Date funds? Age 38

Hi all, I am 38 and was wondering if we are too heavy on Target Date retirement funds? Wife age 32 and is a SAHM Here's my portfolio: Current retirement accounts: $85k his 401k -- Vanguard Target Retirement 2045 Fund (Company match: 100% of salary to 6% + annual profit share 1% = 7%) $70k his Roth I...
by doss
Tue Feb 27, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 207
Views: 10807

Re: How Far is too Far, Commuting?

Yep, self-driving cars will change this, imho. Just think of all the services that will spring up.....you can probably catch a "gym van" where you can work out while the car drives you home or at least to a drop-off point where you can grab your car for the short drive home. Or, how about catch a 30...
by doss
Mon Feb 26, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 207
Views: 10807

Re: How Far is too Far, Commuting?

Is it possible for the OP to change his schedule so he can leave around 430am in the morning? I try to get on the road by 5am and that makes a huge difference in terms of stress and relaxation. It's pretty relaxing when there are no cars on the road and you can listen to some smooth jazz :sharebeer ...
by doss
Tue Dec 19, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Question on 529 plan as a Missouri resident?
Replies: 1
Views: 149

Question on 529 plan as a Missouri resident?

Hello, I have a 18month year old and want to start investing for some of his college expenses. I've been reading the wiki here and elsewhere about 529 plans. Originally, I have started to save some cash into a Roth IRA but wondering if that's the best way to save for his college. Since I live in Mis...
by doss
Thu Nov 30, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor fee in a 403b plan with Fidelity - is that required?
Replies: 2
Views: 187

Re: Advisor fee in a 403b plan with Fidelity - is that required?

I told them I didn't want to have them manage the funds, so they said OK...but we have to have your wife confirm on the phone. So we went through the whole confirmation process and they said that they have confirmed that they have removed the management service. Probably not verbatim, but that's the...
by doss
Thu Nov 30, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor fee in a 403b plan with Fidelity - is that required?
Replies: 2
Views: 187

Advisor fee in a 403b plan with Fidelity - is that required?

Half a year ago I was looking at my wife's 403B Plan (Fidelity) and noticed that it was being "managed". So, I called in and told the broker to remove that service. They confirmed that they did. However, a few months later I'm looking at the plan STATEMENT for Quarter 3 of 2017 and noticed there's s...
by doss
Wed Oct 11, 2017 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Want to save for a house down payment, but want some risky earnings potential..advice?
Replies: 4
Views: 474

Want to save for a house down payment, but want some risky earnings potential..advice?

I am wanting to move into a slightly larger home (in same area as my current home) in the next year or two. However, I am not 100% sold on the idea...maybe I'll just make some improvements to my current home, but I don't believe I will get much of a return on investment if I sell in the next few yea...
by doss
Wed Oct 11, 2017 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Funding and buying my parents retirement home? Question on contract and siblings
Replies: 4
Views: 800

Re: Funding and buying my parents retirement home? Question on contract and siblings

Thanks for your comments!

I am thinking of having my parents pay rent if I go with the mortgage myself. Let me do some calculations and get back to this thread. Thanks again.
by doss
Mon Oct 09, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Funding and buying my parents retirement home? Question on contract and siblings
Replies: 4
Views: 800

Funding and buying my parents retirement home? Question on contract and siblings

Hey all, My parents and I pooled our money together about a decade ago and purchased some rural land. Our goal was to build a vacation home for family to use. Almost half of the 8 acres is owned by me, with my parents owning the other half. My parents and I asked my siblings whether they wanted to h...
by doss
Tue Sep 12, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 21413

Re: Is it really Worth it to brown bag your lunch at work?

This is something I've been thinking about. With kids at home and a very busy evening, it has been difficult to find time to make healthy food that lasts more than a day. Time and healthy food are my priorities, and buying lunch at my employer's cafeteria allows me to meet those objectives as easily...
by doss
Sat Sep 09, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: New home: 30% increase in construction supplies due to hurricane -- [frustrated]
Replies: 10
Views: 1906

New home: 30% increase in construction supplies due to hurricane -- [frustrated]

We are building a custom home in Texas and now our builders are saying there will be a 30% increase in material costs. This makes me sick. Has anyone gone through something like this before when building a new home and dealing with weather events?
by doss
Wed Sep 06, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 42
Views: 4852

Re: When doing retirement planning, do you count your spouse's savings?

THanks for the replies, and sorry for my late response. The reason I asked whether to include spouse savings in retirement planning is because it seems like most of the retirement planning calculators (e.g, Vanguard's Retirement income Calculator) out there are slanted towards yourself (they only as...
by doss
Tue Aug 08, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: College and Paying for it
Replies: 61
Views: 5283

Re: College and Paying for it

Most people don't afford them -- you and I are subsidizing them. That's how the game is played. Almost no one pays list price (unless -- see below). That's why the cost has risen so fast to an absurd, almost-fictional number. (International students may pay twice that inflated rate.) Great point. I...
by doss
Wed Aug 02, 2017 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Can I build three fund portfolio from these employer options?
Replies: 6
Views: 571

Re: Can I build three fund portfolio from these employer options?

I am following the investment prioritization from the wiki. I have my own employer 401k maxed, my roth IRA maxed, emergency fund, and a tax efficient brokerage (index fund) account. Still need to make a spousal contribution for her IRA, but figured I'd first stop the employer management of her 403b ...
by doss
Wed Aug 02, 2017 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Can I build three fund portfolio from these employer options?
Replies: 6
Views: 571

Can I build three fund portfolio from these employer options?

Hello, my wife, whom is now a stay at home mom, had some holdings in a employer Fidelity plan (403b) which was managed by an employer broker. To lessen the management fees and maximize growth, I want to rebalance her funds to a three-fund portfolio. However, had some questions: 1.) Is it a good idea...
by doss
Wed Jul 26, 2017 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Funding priority - spousal IRA contributions?
Replies: 3
Views: 368

Funding priority - spousal IRA contributions?

I'm following the Prioritizing investments list from the wiki and have completed it with the exception of making contributions to an HSA because my employer does not offer that type of medical plan for my geographic area. Questions: 1.) Does the prioritizing list include making contributions to a sp...
by doss
Sat Jul 22, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 42
Views: 4852

When doing retirement planning, do you count your spouse's savings?

Here's a newbie question.... When doing retirement income planning (I'm 37) , do I also add my wife's retirement savings to my calculations ? Do I plan retirement in terms of a couple or a single person ? In other words, right now I make 150k/yr but I think my wife and I can live off of 60-70% of th...
by doss
Thu Jul 20, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: What to do after 401k and IRA max? Not found in wiki?
Replies: 12
Views: 971

Re: What to do after 401k and IRA max? Not found in wiki?

If you have an HSA available, that is also a tax-deferred savings vehicle. First, nice profile pic...stearman? Used to own a J3 ..fixed it up and sold it for profit--in my case, it was a good investment because I used it to learn to fly AND made some money back:) My company does offer an HSA, but I...
by doss
Thu Jul 20, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: What to do after 401k and IRA max? Not found in wiki?
Replies: 12
Views: 971

Re: What to do after 401k and IRA max? Not found in wiki?

Thanks for the links! For step #6: Contribute to a taxable investing account or use the backdoor Roth technique Are there recommendations as to what kind of taxable investing account one should aim for? REITs? Simple index fund? P.S> I noticed that a 529 college fund is not in the list (however, HSA...
by doss
Thu Jul 20, 2017 6:14 am
Forum: Investing - Help with Personal Investments
Topic: What to do after 401k and IRA max? Not found in wiki?
Replies: 12
Views: 971

What to do after 401k and IRA max? Not found in wiki?

Forgive me, but I can't seem to find any information in the Bogleheads wiki about what steps to take after one has maxed out their 401k and IRAs. Is there information about this path in the wiki somewhere?

Thank you.