Search found 1099 matches

by new2bogle
Mon Dec 11, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Question on meeting with at-fault ins agent for injury claim
Replies: 9
Views: 611

Re: Question on meeting with at-fault ins agent for injury claim

Will it be easier to talk to a lawyer? Seems like they will not charge anything unless progressive pays. I can't objectively answer that for you. I began my career with Progressive and have a good understanding of their claims organization. I worked for another carrier settling bodily injury claims...
by new2bogle
Mon Dec 11, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Question on meeting with at-fault ins agent for injury claim
Replies: 9
Views: 611

Re: Question on meeting with at-fault ins agent for injury claim

A couple things. These aren’t agents, as they don’t sell or service a policy. They are adjusters who handle losses. Agents are required to be licensed. Adjusters are required to be licensed in some states. Progressive is likely motivated to settle your bodily injury claim. When I worked for them, t...
by new2bogle
Mon Dec 11, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Question on meeting with at-fault ins agent for injury claim
Replies: 9
Views: 611

Re: Question on meeting with at-fault ins agent for injury claim

I was in an accident several months ago where a car rear-ended me. The other driver had Progressive and she got a citation. Progressive promptly fixed my car for ~$5,000. I also have an open injury claim with them (whiplash) for which I will be finally meeting with Progressive's agent. I have not u...
by new2bogle
Mon Dec 11, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Question on meeting with at-fault ins agent for injury claim
Replies: 9
Views: 611

Question on meeting with at-fault ins agent for injury claim

I was in an accident several months ago where a car rear-ended me. The other driver had Progressive and she got a citation. Progressive promptly fixed my car for ~$5,000. I also have an open injury claim with them (whiplash) for which I will be finally meeting with Progressive's agent. I have not us...
by new2bogle
Wed Dec 06, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: In-plan rollover of after-tax 401k contributions
Replies: 18
Views: 1422

Re: In-plan rollover of after-tax 401k contributions

Wow, that was a lot of IRS reading I had to do last night :| It seems like then that if the plan allows, then going from after-tax to my personal Roth IRA is the best option. My employer does allow this but provides no information, literally they said "We now allow in-plan rollovers, check with Fide...
by new2bogle
Tue Dec 05, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering real estate agent costs when selling?
Replies: 34
Views: 2588

Re: Lowering real estate agent costs when selling?

OP .... irrespective of the cost, do you believe you need a real estate agent to effectively sell your home? Somebody needs to open the door and let them walk through the house. 1% listing agent fee is about $9000. That's fine. 3% buyers agent fee is $27,000, and I think that's too high. Can I just...
by new2bogle
Tue Dec 05, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: In-plan rollover of after-tax 401k contributions
Replies: 18
Views: 1422

Re: In-plan rollover of after-tax 401k contributions

Think of your 401k account having several sub-accounts: 1. Traditional 401k - with employee pre-tax contributions, and employer matching & discretionary contributions 2. Roth 401k - with post-tax contributions 3. After-Tax 401k: with post-tax contributions So, what you are doing is having this Afte...
by new2bogle
Tue Dec 05, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: In-plan rollover of after-tax 401k contributions
Replies: 18
Views: 1422

In-plan rollover of after-tax 401k contributions

My company allows in-plan rollovers of after-tax 401k contributions. My thinking was to do this to get the full benefit limit of $54,000. When I was reading this page on irs.gov , it made me wonder if I can actually do the rollover of only the after tax amount. Here's the snippet that is confusing t...
by new2bogle
Fri Dec 01, 2017 1:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Local Chapters - What to Discuss / What's the Point?
Replies: 13
Views: 840

Re: Local Chapters - What to Discuss / What's the Point?

Do local chapter meetings also follow the rule of no political discussions?

I would definitely not go if politics ever came up.
by new2bogle
Thu Nov 30, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off mortgage?
Replies: 77
Views: 6077

Re: Invest or pay off mortgage?

There is a wiki on this choice. https://www.bogleheads.org/wiki/Paying_down_loans_versus_investing One option would be to save up the money until you have $30K(20% of the loan) and then see if your lender will "recast your mortgage"(Google this). They are not required to but they usually will for a...
by new2bogle
Thu Nov 30, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off mortgage?
Replies: 77
Views: 6077

Re: Invest or pay off mortgage?

There is a wiki on this choice. https://www.bogleheads.org/wiki/Paying_down_loans_versus_investing One option would be to save up the money until you have $30K(20% of the loan) and then see if your lender will "recast your mortgage"(Google this). They are not required to but they usually will for a...
by new2bogle
Wed Nov 29, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 25878

Re: Currently have $700,000 at 26 years old get $100,000 a year

Does the $100K last forever? Is that where you're getting the $3M from? ($100K x 30 years) Honestly, I'd give up the partying college girls. You're 27. Find a woman of substance. Make sure you get a prenup. Going back to school and getting a job is a great idea. You can afford it on your "income". ...
by new2bogle
Wed Nov 29, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 25878

Re: Currently have $700,000 at 26 years old get $100,000 a year

GrayS26,

I don't see how you can get any real financial advice without saying how the $100k is generated or how long can you expect this income to continue? In 25 years when you are 52, will you still be getting $100k/year? It will be worth a lot less than the $100k is today.
by new2bogle
Wed Nov 29, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1189

Re: Fido broken?

Always passive wrote:
Wed Nov 29, 2017 12:21 pm
I just logged in successfully
Yup, I was just able to log in via iPhone app.
by new2bogle
Tue Nov 28, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Two HSA questions
Replies: 14
Views: 1216

Re: Two HSA questions

HSA contributions are pre-tax. So they do not count towards AGI.
by new2bogle
Tue Nov 28, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 64
Views: 4653

Re: TaxAct and alternatives

I tried FreeTaxUSA/Taxhawk last year and it didn't work for me for two reasons: 1) Couldn't handle inputting an adjustment code for the basis of my ESPP 2) HSA addition back to income/interest/capital gains in California. Is this fixed this year? If so they are worth another look. Thank you for pos...
by new2bogle
Mon Nov 06, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Credit report shows collections
Replies: 5
Views: 528

Re: Credit report shows collections

Still working to clean up DW's credit report. Earlier this year she got a notice from a debt collector that she owed some money. She says she does not and calling Capitol One (originator of said debt) was useless since they said "Debt has been sold". We sent in a "debt validation" letter within the...
by new2bogle
Mon Nov 06, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Credit report shows collections
Replies: 5
Views: 528

Credit report shows collections

Still working to clean up DW's credit report. Earlier this year she got a notice from a debt collector that she owed some money. She says she does not and calling Capitol One (originator of said debt) was useless since they said "Debt has been sold". We sent in a "debt validation" letter within the ...
by new2bogle
Thu Nov 02, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 9530

Re: I'm fairly young but done with saving money

OP, I am close to your situation, mid 30s, family + 3kids, though my NW is only $800k. I worry daily about being able to save more and having another 200k in my account would only "slightly" alleviate that worry. I would in no way call it quits on a high paying job if I had $1E6. There are just too ...
by new2bogle
Tue Oct 31, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Want to move kids' iPhones to a cell carrier without data overages
Replies: 18
Views: 1468

Re: Want to move kids' iPhones to a cell carrier without data overages

My verizon plan has a data "Safety Mode" which will limit going over the data cap. I've never got that point yet (i.e.., over 20GB in a month) so don't know how it works. Does your verizon plan have something similar? ETA: I used to be on T-mobile and they were fantastic. Will go back to them once m...
by new2bogle
Tue Oct 31, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Get Lexus service at Toyota and save?
Replies: 29
Views: 1831

Re: Get Lexus service at Toyota and save?

At $70, I am doing that myself. About 30 mins, for tire rotation and oil change, $20 in parts. Sorry but I don't make $100/hour after taxes. With accounting for the time required to get the supplies, do the work, and dispose of the used oil I am looking at almost 2 hours all-in on a weekend to DIY....
by new2bogle
Fri Oct 27, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 3119

Re: bedroom color-current trend?

We're going to be redoing our "owner's suite" to a gray, so I guess that is the trend. Our flooring is a dark espresso wood with white baseboards. Should look pretty good!
by new2bogle
Fri Oct 27, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Trusting VPN providers
Replies: 11
Views: 949

Re: Trusting VPN providers

There have been several threads here about VPN services/pricing/etc. A few comments in those threads about actually trusting a VPN provider to do their stated job. Here, I would like to ask is someone NOT using a VPN service because all of your data is then being funneled through one company and yo...
by new2bogle
Thu Oct 26, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Trusting VPN providers
Replies: 11
Views: 949

Re: Trusting VPN providers

There have been several threads here about VPN services/pricing/etc. A few comments in those threads about actually trusting a VPN provider to do their stated job. Here, I would like to ask is someone NOT using a VPN service because all of your data is then being funneled through one company and yo...
by new2bogle
Thu Oct 26, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Trusting VPN providers
Replies: 11
Views: 949

Re: Trusting VPN providers

One possibility for those technically minded is to setup their own VPN server on Amazon Web Services, and using that. That would be pretty cheap, almost zero cost. In theory, Amazon could snoop on your outgoing traffic, but (absent a subpoena), I think that's pretty unlikely given the amount of out...
by new2bogle
Thu Oct 26, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 5211

Re: What is going on with the home insurance rates?

Ditto! Amica raised HO insurance AND had about a 70% lower dividend check this year. They specifically cited an increase in Texas home claims as the reason. (no HO ins claim from me)
by new2bogle
Thu Oct 26, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Trusting VPN providers
Replies: 11
Views: 949

Trusting VPN providers

There have been several threads here about VPN services/pricing/etc. A few comments in those threads about actually trusting a VPN provider to do their stated job. Here, I would like to ask is someone NOT using a VPN service because all of your data is then being funneled through one company and you...
by new2bogle
Thu Oct 26, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: How to tell if your identity is compromised?
Replies: 5
Views: 770

Re: How to tell if your identity is compromised?

A few days ago when applying for Social Security I got some some odd dKBA questions. Since this term confused some people in another Bogleheads thread let's define it - dKBA is dynamic Knowledge Based Authentication. These are questions taken from public and credit records where they ask about old ...
by new2bogle
Mon Oct 23, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Running shoes/insoles
Replies: 35
Views: 2240

Re: Running shoes/insoles

Avid runner here. I used to have severe shin splints (used to be painful to just walk after running). I switched to Asics GT-2000 series in 2002 and have been using the same shoe since (same model, not the same shoe). I should also add that you may need to switch your running posture. Move your wais...
by new2bogle
Mon Oct 23, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 39
Views: 2834

Re: Installing a slide inside a home?

What does the building code say about something like this? A secret room would probably be more appealing to your children and for a longer period and more useful in the long run, so you might consider that instead. I don't know anyone who wouldn't like having a secret room in their house. I opened...
by new2bogle
Thu Oct 19, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11090

Re: anyone else not liking the new cars?

Wake me up when there are no more government subsidies for wind/solar generation and EVs have no rebates. Then we will know there has truly been a paradigm shift. I don't mind cutting waste and adopting cleaner ways to live but the very existence of subsidies show that 'clean energy' cannot stand b...
by new2bogle
Thu Oct 19, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11090

Re: anyone else not liking the new cars?

Funny, we bought a 2017 Highlander and I like the new grill. Plus I just looked up the new ES 350 and think it looks really nice. I guess love is blind! Yup! I actually like the Lexus grill. I'm in the market for a used Lexus, most likely going to buy next summer, an IS, maybe an ES or ES-hybrid.
by new2bogle
Wed Oct 11, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6745

Re: Best Career Advice for those over "50"

sunny_socal wrote:
Wed Oct 11, 2017 2:26 pm
I'm approaching 50. If that mean that I must do more "networking" (ie. having lunch with people I don't really like), I'm toast.

I'll keep my resume updated, and hopefully I'll get laid off sooner than later so I can move my family from California to Texas! :beer
Sorry, Texas is full.
by new2bogle
Thu Oct 05, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiated salary - then employer changed mind
Replies: 12
Views: 3357

Re: Negotiated salary - then employer changed mind

dm200 wrote:
Thu Oct 05, 2017 11:59 am
Spirit Rider wrote:
Thu Oct 05, 2017 1:35 am
It is never wise to advise an employer that you will likely be leaving in be the near term. This is an especially very bad idea when you have had an adversarial issue with them.
I agree...
+1

Never show your hand.
by new2bogle
Thu Oct 05, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4470

Re: How much worth house should one buy?

1) Why do you need to buy in order to live in a particular location? You could rent. This is a common lie that people tell to themselves in order to overspend on a house. One very good reason is school districts. Recently, a group of "concerned" citizens in our school district managed to change sch...
by new2bogle
Thu Oct 05, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Switching from High Deductible Plan when planning children
Replies: 15
Views: 1617

Re: Switching from High Deductible Plan when planning children

6. Your friend needs to understand that opting for an HDHP in the projected year of birth is very much a "red pill" approach in today's society. It feels weird shelling out $100 for a doctor's visit for an ear infection, or $400 for the panel of blood tests they give to pregnant women. The vast maj...
by new2bogle
Wed Sep 27, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Increase 401K percentage or contribute to ESPP?
Replies: 14
Views: 955

Re: Increase 401K percentage or contribute to ESPP?

It's a false question, assuming the OP has a "standard" ESPP of 15% discount and immediate sale every six months. If the OP has something a bit more restrictive, then the following comments are fully null and void. Answer: OP does both, at no cost to the OP, other than some simple budgeting. How? F...
by new2bogle
Tue Sep 26, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance in Texas
Replies: 9
Views: 788

Re: Dental Insurance in Texas

flyingaway wrote:
Tue Sep 26, 2017 11:55 am
Driving across the border may give your better deals.
Might be better to fly across. Border towns on MX side seem pretty lawless. Rest of MX is awesome.
by new2bogle
Tue Sep 26, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: 28 Year Old having a Crisis, how am I doing?
Replies: 27
Views: 4799

Re: 28 Year Old having a Crisis, how am I doing?

Find a job at GE somewhere in the country. Better if that place has a very large GE footprint (i.e., many divisions/employees). Get into their rotational program and try out a few choices. Pick one you like. I've never worked at GE but many friends have/do and apparently the rotational program there...
by new2bogle
Mon Sep 25, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Older or younger people travel around?
Replies: 31
Views: 3352

Re: Older or younger people travel around?

flyingaway wrote:
Sun Sep 24, 2017 11:32 am
I do not like to interact with other people during travel, that is because I do not like to interact with people in general. It has nothing to do with liking or not liking older or younger people.
Are you me?

:sharebeer ... or maybe not!
by new2bogle
Mon Sep 25, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP 5% discount? If yes, what strategy?
Replies: 2
Views: 289

Re: ESPP 5% discount? If yes, what strategy?

I use my company's ESPP, but I get 15% discount, two 6-month periods with look back (purchase is lower of beginning or end of 6 month period). Always get 15%, sometimes substantially more. My strategy is to always max ESPP (about $10k per 6 month period) and sell immediately to lock in at least 15% ...
by new2bogle
Mon Sep 25, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a rowing machine
Replies: 26
Views: 1328

Re: Suggestions for a rowing machine

Sadly, I do not think the budget can be stretched this year (probably next year for sure), unless my bonus comes in better than expected then maybe it can become a Christmas present. Concept 2 is what I've seen all over the reviews also, but was hoping there is a hidden budget option I missed! Thank...
by new2bogle
Mon Sep 25, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a rowing machine
Replies: 26
Views: 1328

Suggestions for a rowing machine

I've been wanting a rowing machine for a while and apparently I'll be getting one for my bday from DW! It will be in my home gym, used 2-3 times per week (alternating with the treadmill). I'm looking for value: good quality at a good price. My budget is $500, hopefully that is good enough.
by new2bogle
Mon Sep 25, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 919912

Re: What Movie Have You Recently Watched?

MP173 wrote:
Fri Sep 15, 2017 7:02 am
"Hidden Figures" last night on HBO.

A look at 3 African American women pioneers at NASA during the John Glenn era. A really good look at our recent history and how AA and women were treated, not so long ago.

Ed
+1
by new2bogle
Fri Sep 22, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Large Mortgage
Replies: 24
Views: 2448

Re: Large Mortgage

If my calculations are correct, year 9 is the break even point.

Assumes max of 2% adjustment for year 8 and year 9.
by new2bogle
Fri Sep 22, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Tips/Steps for selling a car
Replies: 19
Views: 1473

Re: Tips/Steps for selling a car

State specific. in TX the buyer takes the plates and then you go online and register that you sold the car. I also found a template contract online which I've used numerous times. I also did the transactions at a bank (where either a check or loan was involved). Once I did it at my house, but met th...
by new2bogle
Wed Sep 20, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Good news/bad news on Equifax...
Replies: 2
Views: 801

Re: Good news/bad news on Equifax...

If you unfreeze, then wait a day or two and refreeze, does the PIN change?
by new2bogle
Wed Sep 20, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5982

Re: What is FI if you love your job?

For most people, their income stays stagnant or goes down after 40 years old... Do you have data to support this? I could find Payscale.com data that women's real income peaks at 39 and then matches inflation, and men's real income doesn't peak until 48. Nominal incomes grow for both genders well a...
by new2bogle
Wed Sep 20, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5982

Re: What is FI if you love your job?

Have kids? Do you know how it feels to see them for only 3 hours a day in the prime of their childhood? This.. and by far for me. I have suffered in my career because I refuse to spend more than 40 hrs/week at work. My kids are young and I want to be with them while they still like me (i.e., before...