Search found 270 matches

by femur
Wed Jul 20, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 118
Views: 10332

Re: Evicting a tenant-Hire lawyer?

This has been a fascinating read! Thank you for continuing to update it. If you do end up pressing charges of fraud, etc, I would hope you will continue to update this thread. I feel like I can officially write a book about this now. Honestly, a straight forward and simple guide to tenant eviction m...
by femur
Sat Jul 09, 2016 5:08 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5354

Re: What's your asset allocation and why?

I've implemented Taylor's (he is one of about 5 people I consider my hero, by the way) three fund portfolio and stuck with it for years now. 34% total stock market 33% international 33% total bond My primary reasons are that it is simple, elegant, I understand it, and I sleep well at night. Once van...
by femur
Thu Apr 14, 2016 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Filed my Form 4868 this week (extension to file tax return)
Replies: 31
Views: 1330

Re: Filed my Form 4868 this week (extension to file tax return)

How do you accurately fill out Part II on page 1 of Form 4868 without doing most of the leg-work of your normal tax return?

Reference: https://www.irs.gov/pub/irs-pdf/f4868.pdf
by femur
Wed Apr 13, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Switch to Geico from USAA
Replies: 32
Views: 2480

Re: Switch to Geico from USAA

If you dont have berkshire shares, you can join the Freelancers Union (for free!) and get 8% discount.

https://blog.freelancersunion.org/2012/ ... nts-geico/
by femur
Tue Mar 29, 2016 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 11287

Re: Financially, how have you done/doing vs. your parents?

Great thread! I thought adding my own data point here would help me clarify my own thoughts. My parents are boomers (1951 and 1953) and I am an early millennial born in 1982. We are from the Midwest. My father got a mathematics degree (before programming was an offered major at his university) and w...
by femur
Mon Feb 08, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: I think my W2 has a mistake - doublecheck me?
Replies: 13
Views: 1487

Re: I think my W2 has a mistake - doublecheck me?

I am by no means a tax expert but I would be wary of reporting different numbers to the IRS than what are on your W-2. That seems to be a very quick way to get flagged. Yes, you could later prove why you did what you did, but I would rather not raise such an easy red-flag with the IRS. Your employe...
by femur
Mon Feb 08, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: I think my W2 has a mistake - doublecheck me?
Replies: 13
Views: 1487

Re: I think my W2 has a mistake - doublecheck me?

I wanted to update everybody on my situation and ask if one possible solution I have would be viable. My employer (a staffing agency) is pushing back and not making it possible for me to speak directly to payroll. This is a symptom of an overall larger organization issue with my employer and I am pl...
by femur
Tue Feb 02, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: I think my W2 has a mistake - doublecheck me?
Replies: 13
Views: 1487

Re: I think my W2 has a mistake - doublecheck me?

This article from the IRS may be helpful: Question: I received an incorrect W-2 form. My former employer won’t issue me a corrected W-2. What should I do? Answer: If your attempts to have the incorrect Form W-2, Wage and Tax Statement, corrected by your employer are unsuccessful and it is after Feb...
by femur
Tue Feb 02, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: I think my W2 has a mistake - doublecheck me?
Replies: 13
Views: 1487

Re: I think my W2 has a mistake - doublecheck me?

Thanks for your feedback! I feel more confident in badgering my payroll dept now to fix it.
by femur
Tue Feb 02, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: I think my W2 has a mistake - doublecheck me?
Replies: 13
Views: 1487

I think my W2 has a mistake - doublecheck me?

Greetings, I believe there is a mistake in my W2 and my employer (a staffing agency) is being very unhelpful/unresponsive, so I was hoping the fine bogleheads could double-check my thinking. This year (2015) on my W2, in box 12, I have a code 'W' which a google search has described as: W: Employer c...
by femur
Thu Jan 21, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Create login for wife when adding as Authorized User (PenFed)
Replies: 1
Views: 201

Create login for wife when adding as Authorized User (PenFed)

Greetings, I hope this to be a fairly simple question. I got married recently and I wanted to add my wife as an authorized user on my PenFed Cash Rewards Card. This was easily done online. We got the card in the mail and followed the instructions to go to penfed.org/activatecard. At this point I get...
by femur
Thu Jan 14, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: 2015 Callan Periodic Table of Investment Returns
Replies: 26
Views: 3340

Re: 2015 Callan Periodic Table of Investment Returns

Femur: Thank you for posting the latest Callan PeriodicTable of Investment Returns . It is one of my favorite charts because 1) It demonstrates the impossibility of trying to market-time asset-class returns, and 2) It demonstrates Mr. Bogle's financial wisdom: FORGET THE NEEDLE. BUY THE HAYSTACK. B...
by femur
Thu Jan 14, 2016 11:39 am
Forum: Investing - Theory, News & General
Topic: 2015 Callan Periodic Table of Investment Returns
Replies: 26
Views: 3340

2015 Callan Periodic Table of Investment Returns

I always find this chart interesting and thought to share it with Bogleheads:

Image


Im linking an imaged from a blog because I dont know how to link a pdf.
by femur
Thu Dec 31, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 2040

Re: VPN Service, personal. suggestions.

I also use and recommend Private Internet Access.

https://www.privateinternetaccess.com/

disclaimer: Im just a happy customer, I don't work for them.
by femur
Sat Dec 26, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to tell the Social Security office I got married?
Replies: 8
Views: 634

Re: Do I need to tell the Social Security office I got married?

Thanks everybody for the advice!

We will take no action as neither of us are changing names or filing for benefits any time soon.
by femur
Sat Dec 26, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to tell the Social Security office I got married?
Replies: 8
Views: 634

Re: Do I need to tell the Social Security office I got married?

retiredjg wrote:I think they are interested in name changes though.


Neither of us are changing our names.
by femur
Sat Dec 26, 2015 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to tell the Social Security office I got married?
Replies: 8
Views: 634

Do I need to tell the Social Security office I got married?

Greetings, A couple of google searches did not give me a definitive answer so I am seeking advice here. I just got married last week. Do I need to report this to the Social Security office? I found this form (https://www.ssa.gov/forms/ssa-3.pdf) via my aforementioned google search but it seems to be...
by femur
Fri Dec 25, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: A little about Larry S
Replies: 51
Views: 7675

Re: A little about Larry S

I read the article and it seems he grew up and attended college in New York. I wonder how he ended up in St. Louis (my hometown)?
by femur
Tue Dec 08, 2015 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: My estranged brother is dead, and I am next of kin
Replies: 72
Views: 15492

Re: My estranged brother is dead, and I am next of kin

Greetings, One step my parents did not take when my (notoriously unorganized) grandfather died, was to perform an unclaimed property search. Info here: https://www.usa.gov/unclaimed-money It turned out my grandfather had a savings account and safe deposit box that were not known to any other family ...
by femur
Mon Aug 31, 2015 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 7
Views: 605

Re: Disability Insurance

Would you go ahead and purchase an additional individual long term disability insurance on top of what the company provides for free? I would, yes. In fact, I was in a similar situation and did. Note: Getting disability insurance and going through the underwriting process is not fun, but it is very...
by femur
Thu Aug 27, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for disability insurance
Replies: 9
Views: 1384

Re: Shopping for disability insurance

Shopping for DI is not a fun task, but I applaud you for doing it since i feel it is a very important financial step. I will comment on one thing since other know more about this topic than me. All are noncancellable/ guaranteed renewable and true own occupation to age 65 with an elimination period ...
by femur
Sun Aug 16, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 72
Views: 9782

Re: What's a Bug Out Bag and who uses them?

I have an old backpack i keep under my bed that has dog/cat food and leashes, $400 cash, copies of identifications and insurance policies, some snacks and water bottles, a first aid kit and a couple other minor things. I grab it if there is a fire in my house and need to get out or if there is a hur...
by femur
Wed Aug 12, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 8476

Re: Your First Job

I started mowing lawns and babysitting for cash at age 10 or so. My first W2 job was in 1998 at age 15 working at a Halloween pumpkin farm harvesting pumpkins; they could not be harvested by machine otherwise they would be damaged. It was manual labor. $6/hr. After Halloween that year I got a job at...
by femur
Mon Aug 10, 2015 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 7144

Re: Former Housemate Owes Money - What to do?

I agree with others in the thread that small claims is not worth it, but a threat (made more real by certified mail) may bluff her in to paying. As with poker, sometimes in life if you bluff, you win and it costs you nothing. What the OP has not mentioned is how well does his girlfriend know this d...
by femur
Mon Aug 10, 2015 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 7144

Re: Former Housemate Owes Money - What to do?

I agree with others in the thread that small claims is not worth it, but a threat (made more real by certified mail) may bluff her in to paying. As with poker, sometimes in life if you bluff, you win and it costs you nothing. What the OP has not mentioned is how well does his girlfriend know this d...
by femur
Sun Aug 09, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 7144

Re: Former Housemate Owes Money - What to do?

Nobody has mentioned a certified letter. They can be very "scary" and "official looking." If you have ever received one and not known what it is, you know that it is serious. I would recommend the following course of action. Step 1. Email/text one more time a week from now and as...
by femur
Tue May 05, 2015 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 7883

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

PRO: Texas has no state income tax.

CON: You will have to drive much further to attend Cardinals games at Busch Stadium
by femur
Sun May 03, 2015 9:10 am
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 7889

Re: Polls Disabled

I felt the polls were useful and interesting. I am also sorry to see them go.

I do appreciate the significant effort the moderators of this forum put forth,
by femur
Sun May 03, 2015 9:09 am
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 9062

Re: What's new and changed in phpBB 3.1

I am finding that ALL of my forum activity is using 'https' including just browsing through threads. This is great! I don't recall this functionality pre-upgrade. Was this an intended change? Old news, see HTTPS (aka TLS, aka SSL) comes to bogleheads.org - Bogleheads from back in November 2014. I g...
by femur
Sun May 03, 2015 9:02 am
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 9062

Re: What's new and changed in phpBB 3.1

I am finding that ALL of my forum activity is using 'https' including just browsing through threads. This is great! I don't recall this functionality pre-upgrade. Was this an intended change?
by femur
Mon Apr 27, 2015 9:56 am
Forum: Investing - Theory, News & General
Topic: Is keeping my Governmental 457b worth it?
Replies: 3
Views: 424

Re: Is keeping my Governmental 457b worth it?

tenkuky, Thanks for the reply. If an ERISA backed plan, there is the protection that affords from creditors, the IRA would not afford this. I did not consider ERISA protection as a benifit, but you are right in that it may be one. How does one find out if a plan is covered by ERISA? The bogleheads w...
by femur
Mon Apr 27, 2015 9:42 am
Forum: Investing - Theory, News & General
Topic: Is keeping my Governmental 457b worth it?
Replies: 3
Views: 424

Is keeping my Governmental 457b worth it?

Greetings, First, thanks in advance for reading my thread. In my previous job, I had access to a governmental 457b plan that I maxed out every year. I have since left that job, and now I have mixed thoughts about if I should roll it over or keep it as-is. I was wondering if you kind folks could revi...
by femur
Tue Dec 16, 2014 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 10899

Re: Most/Least Boglehead 2014 Activity?

Most: Stayed the course, maximized tax advantaged accounts, cultivated frugality.

Least: Got my debit card info stolen from Target or Home depot and had to deal with filing fraud charges with my bank. Never using a debit card again.
by femur
Thu Dec 11, 2014 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 64
Views: 6758

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I had to twice within the last year!! Once to meet an unexpected deductible in a HDHP where my HSA hadn't been contributed to yet. The other was to buy a new (used) car when my other car bit the dust. Both times the amount was less than 3 months of living expenses. I love having an emergency fund.
by femur
Mon Dec 08, 2014 11:14 am
Forum: Investing - Help with Personal Investments
Topic: 28 y.o. with TRS & loans. Do I contribute to 403b(no match)?
Replies: 3
Views: 664

Re: 28 y.o. with TRS & loans. Do I contribute to 403b(no mat

I also had TRS when I worked for a Texas university. The 457 Plan is AWESOME. For 2015, you can put 18000 in it before Taxes and it has no early withdrawal penalty. I strongly recommend you take advantage of it as well as continue to pay down your student loans. The 457 Plan has an option where you ...
by femur
Wed Nov 12, 2014 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 3868

Re: Local bank without any checking account fees?

I live in Houston and strongly recommend the bank that I use:

http://texascitizensbank.com/

Community bank with no fees :)
by femur
Wed Nov 12, 2014 11:40 am
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 7848

Re: Your car(s) are equal to how many months income

Mine is about 1/2 of one month.
by femur
Tue Nov 11, 2014 12:57 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 70
Views: 12159

Re: Amazon Echo (Alexa)

I got on the waiting list but no invitation yet.
by femur
Mon Nov 03, 2014 9:20 am
Forum: Investing - Theory, News & General
Topic: Shares of my own 'C' Corp in IRA
Replies: 9
Views: 702

Re: Shares of my own 'C' Corp in IRA

A very kind user was nice enough to send me a link to the applicable laws:

http://www.law.cornell.edu/uscode/text/26/4975

I am reading through these now to understand the situation better.

Thanks everybody who has read!
by femur
Mon Nov 03, 2014 8:43 am
Forum: Investing - Theory, News & General
Topic: Shares of my own 'C' Corp in IRA
Replies: 9
Views: 702

Re: Shares of my own 'C' Corp in IRA

Sidney wrote:What does your gut tell you?


It tells me "no" but I cannot find any laws or previous bogleheads post were this was discussed as being illegal.

Is it illegal?
by femur
Mon Nov 03, 2014 8:42 am
Forum: Investing - Theory, News & General
Topic: Shares of my own 'C' Corp in IRA
Replies: 9
Views: 702

Re: Shares of my own 'C' Corp in IRA

Tanelorn wrote:If somehow you're thinking you can put in your personal, taxable money in exchange for nothing and dividend it out to your IRA, well, that's going to
break all sorts of rules and you should stop thinking like that.


Thanks for your answer! Can you tell me some of the rules it would break?
by femur
Mon Nov 03, 2014 8:24 am
Forum: Investing - Theory, News & General
Topic: Shares of my own 'C' Corp in IRA
Replies: 9
Views: 702

Shares of my own 'C' Corp in IRA

Greetings Bogleheads, I thought up an interesting scenario and over an hour of googling at searching have not lead me to an answer, so I come to you wise people in hopes of guidance. I have several questions regarding how shares of C corporation could be treated in a tax sheltered account. Lets say ...
by femur
Tue Oct 14, 2014 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 12026

Re: Relatively new here. What did you do in 2008/09

I might be able to give a different perspective given my age. 2009 was when I started getting very serious about my career. I am in a high-demand field so I was not really worried about job security. Although, I was voluntarily out of work for about a month, I started a full time position in Februar...
by femur
Sun Oct 12, 2014 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Sell Taxable to Fund Roth?
Replies: 6
Views: 659

Re: Sell Taxable to Fund Roth?

I would say "yes absolutely". It is prudent to fill up any tax advantaged space you can.
by femur
Wed Oct 08, 2014 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Accounts View at Schwab
Replies: 2
Views: 289

Re: Accounts View at Schwab

curiouskitty wrote:Yep. I can see checking, savings, brokerage, and Roth IRA on the same screen. It's a lot better organized than Vanguard in my opinion (especially the view with the individual funds)


Thats the answer I was looking for!

Thanks!
by femur
Wed Oct 08, 2014 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Accounts View at Schwab
Replies: 2
Views: 289

Accounts View at Schwab

I have googled for this answer and could not find what I was looking for so I come to the wisdom of the Bogleheads. Does Schwab have the same sort of account consolidation that Vanguard has? To clarify, if I have a Traditional IRA, Roth and 457, can I manage them all from the same online account in ...
by femur
Thu Sep 25, 2014 8:12 am
Forum: Personal Consumer Issues
Topic: What to look for in a homeowner's policy
Replies: 11
Views: 1095

Re: What to look for in a homeowner's policy

Another thing to keep in mind is that, in the USA, insurance is fairly heavily regulated by the state. As such, the things policies cover are somewhat close from policy to policy.

The cost differentiation comes from the size of the risk pool and company overhead.

Cheers!
by femur
Mon Aug 25, 2014 1:13 pm
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 6414

Re: S&P500 over 2000

I am a stay-the-course type and have taken no new action based on hitting "2000" but I like to compare my personal circumstances with 2 particular points on the rise of the S&P500 S&P500 at 666: In 2009, I was sitting at my uncles house (I suppose I was "homeless") watchi...
by femur
Wed Jul 02, 2014 1:22 pm
Forum: Personal Consumer Issues
Topic: I am looking to switch IP providers.
Replies: 15
Views: 1165

Re: I am looking to switch IP providers.

Hexdump,

I notice you are in Houston; I am as well. If you have an AT&T phone line, I would recommend looking at this DSL provider: http://oplink.net/dsl.html

They are a local Houston company that offers DSL services and have pretty good customer service.
by femur
Fri Jun 27, 2014 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions - New Member
Replies: 15
Views: 1579

Re: Portfolio Questions - New Member

4. I understand the value in rebalancing and want to do this once each year. When possible, I would like to rebalance each mini-portfolios by contributing NEW money to purchase shares of funds that are “under-performing” rather than selling shares of “over-performing” funds and using those proceeds...

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