Search found 349 matches

by moneywise3
Fri Jun 22, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 76
Views: 7131

Re: Can you retire on $2M?

How about health coverage between 40 and 65?
by moneywise3
Fri Jun 15, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Employer changing investments in 401K
Replies: 5
Views: 507

Re: Employer changing investments in 401K

Rupert wrote:
Thu Jun 14, 2018 10:44 am
You'd have to ask your employer to know for sure but possibly your plan has lost whatever deal it previously had that permitted it to offer the lower-cost shares to you. It happens.
Thanks
by moneywise3
Fri Jun 15, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Employer changing investments in 401K
Replies: 5
Views: 507

Re: Employer changing investments in 401K

Nate79 wrote:
Thu Jun 14, 2018 11:57 am
Are you getting the new ER from your plan documents? When I search that fund I see ER listed on the web all over the place. I found:
Thanks for the research
by moneywise3
Thu Jun 14, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Employer changing investments in 401K
Replies: 5
Views: 507

Employer changing investments in 401K

My employer is changing investment options. The two of interest to me are changing as below: State Street S&P 500 Ind NL C -> Ind class K Vanguard Mid-Cap Ind Inst -> Inst Plus I am hoping these to be positive changes in that ERs would go down. It does for mid-cap. However for 500, going from non-le...
by moneywise3
Thu Jun 14, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3566

Re: Non-alcoholic drinks for wedding

Congratulations! Bloody mary mix, smoothies, veg juices etc. Iced tea coffees and matcha are some other options.
by moneywise3
Tue Jun 12, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8635

Re: Getting killed on taxes - any ideas?

It's a great problem to have!
Better than getting "killed" with low income
by moneywise3
Fri May 18, 2018 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5381

Re: Buying land in central FL

fourwaystreet wrote:
Thu May 17, 2018 10:47 pm
35 minutes to Orlando could be two miles away.....the traffic is terrible.

I have to ask, how did you become the lucky one approached?
Got flyer in the mail. Its 1.5 hrs to the airport.
by moneywise3
Thu May 17, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5381

Re: Buying land in central FL

Thank you for the responses. Here's further info from the broker/seller. Perhaps some Central FL residents can guide further. *35 minutes from Orlando *Starting at $59,900 *Lake County *Paved Roads *NO FEES *100% guaranteed usable *Equestrian Friendly *Kayaking *Mature Hardwoods and Beautiful Majest...
by moneywise3
Thu May 17, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5381

Re: Buying land in central FL

Thanks for the responses. Here's the link. Would like your inputs. They mailed out flyers.

http://woodlandhillsfl.com
by moneywise3
Sun May 13, 2018 6:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tulsa Local Chapter?
Replies: 29
Views: 6707

Re: Tulsa Local Chapter?

Send me a PM with your first name and an email address that you'll use only for this purpose (something like TulsaBogleheads@gmail.com). (Since it will be added to the public Local Chapters Map so folks can contact you, you don't want to use your personal email.) Sorry I forgot all about it. Will c...
by moneywise3
Sun May 13, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5381

Buying land in central FL

We've been approached by a broker agency that they are selling a few pristine lots few acres in size each. They have only a dozen or so lots available. Some face water some are totally wooded. It's a first time sale of that land, meaning it was privately owned and undeveloped forever. They are price...
by moneywise3
Mon May 07, 2018 10:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tulsa Local Chapter?
Replies: 29
Views: 6707

Re: Tulsa Local Chapter?

I volunteer to get it started. Let me know what needs to be done.
by moneywise3
Mon May 07, 2018 8:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tulsa Local Chapter?
Replies: 29
Views: 6707

Re: Tulsa Local Chapter?

I'd be interested too
by moneywise3
Sun Apr 29, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Visiting OK and KS with family
Replies: 31
Views: 1875

Re: Visiting OK and KS with family

Wow! Thank you, thank you and thank you for the wonderful responses.
by moneywise3
Sun Apr 29, 2018 4:14 am
Forum: Personal Finance (Not Investing)
Topic: Should I change careers?
Replies: 52
Views: 3929

Re: Should I change careers?

You have to have gotten your initial funds from parents/inheritance. Unless you are a Bill Gates alike.
by moneywise3
Sat Apr 28, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: Visiting OK and KS with family
Replies: 31
Views: 1875

Visiting OK and KS with family

My family (DW + 2 kids 11 and 5) will be accompanying me to a business trip first week of June. We are flying in/out of Tulsa, but will have 2 weekends and a couple of weekdays to go around. My family has never been to mid-western USA. They have always lived on the east coast. What are some of the r...
by moneywise3
Sun Apr 22, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5684

Re: How long have you been unemployed?

Have been unemployed once for a 3 month period in my 20 year career. Had to drop grad school once for a semester due to a death in the family, else was paid during grad school too.
by moneywise3
Fri Mar 30, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 10889

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

That doesn't completely cover it. There are many aspects of an international investment - the market there, currency exposure, political risk.
by moneywise3
Fri Mar 23, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Just Starting - Inevitable Bear Market?
Replies: 13
Views: 2058

Re: Just Starting - Inevitable Bear Market?

Good time to do your buying in a bear market
by moneywise3
Thu Mar 22, 2018 1:09 am
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 5142

Re: Your favorite Florida beach??

Captiva and Sanibel islands hands down
by moneywise3
Mon Mar 19, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 14779

Re: Large life style creep that was completely worth it

If you have the means go with your heart, not the mind.
by moneywise3
Mon Mar 19, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 13027

Re: Can I Retire at 38?

Why do you want to retire early? Glad you've overcome the financial obstacle to allow retirement. Perhaps find a career where you can contribute to humanity? People go crazy if they are not doing something meaningful in life.
by moneywise3
Fri Mar 09, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Anyone ever have success getting out of a lease?
Replies: 27
Views: 2166

Re: Anyone ever have success getting out of a lease?

BrooklynInvest wrote:
Fri Mar 09, 2018 8:02 am
In NYC I believe the law is that you're free to leave whenever you want but owe rent through the end of the lease
😁😁😁😁
by moneywise3
Sun Mar 04, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: $500 gift card, what to do?
Replies: 42
Views: 3335

Re: $500 gift card, what to do?

PMing you my address. Postage is on me - will send you 49c after I receive the card. You're so welcome.
by moneywise3
Sun Mar 04, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: What is your investment strength?
Replies: 70
Views: 5528

Re: What is your investment strength?

Trust in the process
by moneywise3
Sun Mar 04, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Downsides to Total Wireless as alternative to Verizon?
Replies: 8
Views: 1426

Re: Downsides to Total Wireless as alternative to Verizon?

A great many of these services are the same company. They brand it differently. When you call, they even offer to activate your service as any of these brands. Customer service is located in Caribbean. Not just prioritization, even multiple users under the same plan as you can affect the service. Th...
by moneywise3
Tue Feb 27, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 113
Views: 11810

Re: Florida in the summer

FL negatives to consider:
High home insurance rates
Heavy traffic
Jan -feb are a mix of Fall and Spring. Trees are shedding leaves as well as pollinating
Bugs, alligators and geckos
by moneywise3
Wed Feb 21, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 21
Views: 2508

Re: Considering move to Tulsa, OK

goblue100 wrote:
Wed Feb 21, 2018 8:26 am
It's similar to the reason why Texas doesn't float off into the Gulf of Mexico. I think. :happy
I still don't get it
by moneywise3
Wed Feb 21, 2018 5:10 am
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 8394

Re: Capital one 360 money market New $500 bonus

gvsucavie03 wrote:
Sat Feb 03, 2018 11:24 pm
From what I understand, Capital One bonuses are once in a lifetime, correct?
That's still true. I got a $50 bonus 13 years ago 😁😁
by moneywise3
Wed Feb 21, 2018 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 21
Views: 2508

Re: Considering move to Tulsa, OK

Olemiss540 wrote:
Tue Feb 20, 2018 8:03 pm
Anyone ever tell you why it is so windy in Oklahoma?
No
by moneywise3
Tue Feb 20, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 21
Views: 2508

Re: Considering move to Tulsa, OK

Thanks for comments, keep 'em coming
by moneywise3
Mon Feb 19, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 21
Views: 2508

Considering move to Tulsa, OK

I have a potential job offer in that area and considering living in Owasso area. I may be commuting 40 minutes to my job, to get great schools, modern housing and shopping/entertainment. Does anyone have insight into Tulsa economy over long term? It might be dependent on oil and gas industry.
by moneywise3
Fri Feb 16, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14113

Re: What big item (>20k) are you saving up for?

A new family van
A new home
by moneywise3
Fri Feb 09, 2018 4:04 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Discuss Starting Time when You Get a Job Offer
Replies: 29
Views: 2407

Re: How Do You Discuss Starting Time when You Get a Job Offer

Be conservative. Start with 8-5. Understand the company culture first. Gauge how much they'd be flexible for you. Then ask for something reasonable. Don't go in as a special case.
by moneywise3
Fri Feb 09, 2018 3:58 am
Forum: Investing - Help with Personal Investments
Topic: Newbie/novice needs advice on what to do during correction
Replies: 17
Views: 1694

Re: Newbie/novice needs advice on what to do during correction

The biggest step to take at this time is not to take any step different from your AA , IPS and rebalance strategy.
by moneywise3
Fri Feb 09, 2018 3:55 am
Forum: Investing - Theory, News & General
Topic: Does this strategy make sense in a falling market?
Replies: 19
Views: 2441

Re: Does this strategy make sense in a falling market?

I actually know people that used this strategy with Lucent stock in early 2000's. They bought more at every dip, thus lowering their average purchase price. It was a single stock though that never recovered. They used to think since they lived in the vicinity of the facility, they were more likely t...
by moneywise3
Fri Feb 09, 2018 3:50 am
Forum: Investing - Theory, News & General
Topic: Does this strategy make sense in a falling market?
Replies: 19
Views: 2441

Re: Does this strategy make sense in a falling market?

How is it not market timing? It smacks everything of market timing. You can market-time, if you believe you know its behavior.
by moneywise3
Wed Feb 07, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Philadelphia and Pittsburgh local taxes
Replies: 12
Views: 963

Re: Philadelphia and Pittsburgh local taxes

I believe only Philadelphia county area is taxed. If you are in suburbs, which is most of Philly, you aren't taxed.
by moneywise3
Thu Jan 18, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 8679

Re: Short Commute or Nicer House?

What city is it
by moneywise3
Thu Jan 11, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: Hedge Funds' Annualized Returns
Replies: 7
Views: 832

Re: Hedge Funds' Annualized Returns

Subtract the fees and tax ramifications. And look at long term performance, not a few select years
by moneywise3
Thu Jan 11, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1617

Re: Diminished value claim - small claims court

I have handled diminished value claims for a major carrier and can tell you that the insurance company is often less than proactive at bringing these claims to a conclusion. I would ask for the claim handler's supervisor first to try to move this claim along. There are specific laws in each state r...
by moneywise3
Thu Jan 11, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1617

Re: Diminished value claim - small claims court

OK - what if we turn the situation around and suppose this does not involve insurance. You do damage to my car and it is your fault. Complete repair of the damage costs $1,000 -- BUT I (legitimately) claim my car now has "diminished value" (after the repair) of $2,000. In addition to having paid th...
by moneywise3
Wed Jan 10, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1617

Re: Diminished value claim - small claims court

dm200 wrote:
Wed Jan 10, 2018 1:30 pm
Why do you believe that a 100% repaired car has significant "diminished value"? How much are you claiming?

How much will or might it cost you in legal costs if you do not win?
Exactly the reason described by jabberwock
by moneywise3
Wed Jan 10, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1617

Re: Diminished value claim - small claims court

When our car was significantly damaged by another driver, the insurance company was prompt with repairs and cut the check without any signed release. I claimed diminished value, which they denied. I obtained an independent appraisal, and sent a demand letter for the amount to the claims handler via...
by moneywise3
Wed Jan 10, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12845

Re: Is it time for me to "call in rich"?

Yes you can easily do it. It’s an enviable position to be in.
by moneywise3
Wed Jan 10, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1617

Re: Diminished value claim - small claims court

Thank you for the responses. Keep them coming.
by moneywise3
Tue Jan 09, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1617

Diminished value claim - small claims court

I was recently rear ended in FL. The other party was determined to be at fault and has State Farm insurance. State farm was prompt in assessing the damage and paying an estimated amount. Then I claimed a diminished value and that's when they stopped responding. My claim amount is very reasonable and...
by moneywise3
Sun Dec 31, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Target Net Worth
Replies: 39
Views: 5020

Re: Target Net Worth

$20M in today's dollars in about 20 years.
Expect my NW to increase exponentially from this point onwards.