Search found 369 matches

by papito23
Sat Mar 18, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: need for under/uninsured car insurance with adequate medical ins?
Replies: 10
Views: 486

Re: need for under/uninsured car insurance with adequate medical ins?

I am confused as to why OP is only looking at the medical part of it. As mentioned above, the uninsured part covers property, or your car in the event someone without insurance damages your car. Do you not want that? You would probably be surprised at how many folks are driving around without insur...
by papito23
Sat Mar 18, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: need for under/uninsured car insurance with adequate medical ins?
Replies: 10
Views: 486

Re: need for under/uninsured car insurance with adequate medical ins?

Uninsured/Underinsured Bodily Injury would provide the same "benefits" to those injured by an uninsured/underinsured driver as would his/her liability insurance (if he/she carried it). In my opinion, your own medical insurance may be much inferior to uninsured/underinsured coverage. If yo...
by papito23
Sat Mar 18, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: need for under/uninsured car insurance with adequate medical ins?
Replies: 10
Views: 486

need for under/uninsured car insurance with adequate medical ins?

Does anyone have experience detailing why uninsured/underinsured motorist coverage is useful? My understanding is that it would cover my medical expenses were someone else to hit my vehicle and cause bodily hard to the occupants in my car. It seem like double-insuring if one already has decent medic...
by papito23
Wed Mar 15, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)
Replies: 25
Views: 1316

Re: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)

Dealer just offered me $30,675 for the sale on a 2016 LEAF S, minus $17,500 in incentives, plus docs fees + tax on full amount = $15,550 all-in. Add $1000-1500 for a 2017 LEAF S (with 30 kWh battery). Kinda tempting when a decent used LEAF still under battery degradation warranty is around $8,000-1...
by papito23
Wed Mar 15, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)
Replies: 25
Views: 1316

Re: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)

Dealer just offered me $30,675 for the sale on a 2016 LEAF S, minus $17,500 in incentives, plus docs fees + tax on full amount = $15,550 all-in. Add $1000-1500 for a 2017 LEAF S (with 30 kWh battery). Kinda tempting when a decent used LEAF still under battery degradation warranty is around $8,000-11...
by papito23
Wed Mar 15, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)
Replies: 25
Views: 1316

Re: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)

Randomguy, I like your logic ;) At the end of the day, I'm not doing this to save money, nor is it really going to save CO2 in this coal-heavy area. For me it's about education, trajectory, and ripple effects vs. status Option 3 is to buy the cheapest/oldest LEAF out there and own 3 vehicles. My wif...
by papito23
Wed Mar 15, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)
Replies: 25
Views: 1316

Re: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)

This is my guess of ownership history based on that report (and I read a lot of Carfax/Autocheck reports) -Owner A leased it new, then after a few months probably either decided they didn't like the car or otherwise didn't needed it anymore. -Owner B in TN assumed the lease from Owner A and drove a...
by papito23
Wed Mar 15, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)
Replies: 25
Views: 1316

Re: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)

Love your brevity :)

My utility is currently offering $10,000 off a new LEAF (excludes all other dealer incentive). Still can't justify a new one though when 2013's can be had for $8K. Thinking about eBay, given that I'm in flyover country with EVs far and few between.
by papito23
Wed Mar 15, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)
Replies: 25
Views: 1316

should I baulk at this used plug-in hybrid? (Ford C-Max Energi)

Getting an electric car charging station at work (<20 mi roundtrip commute). It is my project, and I'm one of the directors at our non-profit so I'd like to show leadership and jump in. Would prefer something $10K or less. We are a two-car, 4 person family. 2nd vehicle is a 2011 Prius, which we are ...
by papito23
Sat Nov 19, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 80
Views: 7061

Re: What kind of apartment can $1k get you in your city?

I was recently paying $900 for a 3 BR, 1000 SF single family home rental w/ no appliances, build in the 80's. This is in a small city in Indiana in a reasonable neighborhood with other small single family homes. I consider this high for the area, considering my 15 yr mortgage on a house double that ...
by papito23
Mon Apr 13, 2015 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ethnobotany as career choice
Replies: 40
Views: 5432

Re: Ethnobotany as career choice

I would love to hear my daughter get excited about this someday. Sounds great! I'm in private industry (consulting) as an ecologist/botanist (note: I know little about the ethno- part). My biased two cents: *A multi-disciplinary focus will give him options pre-grad school. Almost certainly he should...
by papito23
Thu Mar 19, 2015 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 16802

Re: Dip? What Dip? Did you catch it?

Snarky reply at Livesoft deleted. I sorted through his posts (if you can find them) and finally understood his RBD, which I thought he had never explained, but he did . It's simply a tiny loan from his bond allocation to stocks, to be repaid after stocks go up. It's nothing more than a little market...
by papito23
Sat Mar 07, 2015 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: quick tax software prep question
Replies: 1
Views: 249

quick tax software prep question

I had previously filed taxes online with both TurboTax and TaxAct. I'm moderately concerned about identity theft risk of continuing to do so, but possibly not so much that I want to print, paperclip, and stamp copies out to state/feds. I have added children to the mix, and am concerned about throwin...
by papito23
Mon Feb 02, 2015 12:11 am
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 12629

Re: How much is a safe car worth?

We are low risk people, and the driving here is so flat and boring I suddenly have little interest in cars and can understand why more people here drive a big boat. With no curves and loads of potholes, I almost want a Lincoln towncar. I believe the recent report mentioned that, all things equal, p...
by papito23
Fri Jan 30, 2015 12:35 am
Forum: Personal Consumer Issues
Topic: Vehicles are (apparently) MUCH safer in last few years
Replies: 54
Views: 5523

Re: Vehicles are (apparently) MUCH safer in last few years

Assuming you're using IIHS data, I'm not at all confident that you can compare cars models from the 80s to modern cars fairly, because you may be picking up other effects (dramatically increased seatbelt usage, among other possibilities). The deficiencies have been noted here, but I don't see a bet...
by papito23
Fri Jan 30, 2015 12:08 am
Forum: Personal Consumer Issues
Topic: Vehicles are (apparently) MUCH safer in last few years
Replies: 54
Views: 5523

Re: Vehicles are (apparently) MUCH safer in last few years

I pulled some data by following the links previously posted, and sent to my family member who own(ed) several of the following cars. I thought it would be instructive for a Boglehead passing by... it is a mash-up of several reports across the years. Deaths / year per million registered vehicles: 198...
by papito23
Thu Jan 22, 2015 1:27 pm
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 18183

Re: Keurig-cup coffee makers - why?

I bought a new Keurig Elite 45 for $79.00 last month. When I use my own coffee in the Keurig cups, the cost is $.09 per cup. When I shop the internet deals for Keurig K-cups, it can find what I like for about $.50 per cup. No waste, no mess. Before, I was buying a pound of coffee a week for $8.99 a...
by papito23
Thu Jan 22, 2015 10:31 am
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 18183

Re: Keurig-cup coffee makers - why?

"Making a pot of coffee is a pain" WTF? (What The Frenchpress?) I fear for my country when I hear stuff like this. Keurig exists because rich people (us) need something to spend their money on. Once the essentials are affordable to almost everyone, and competition slices profit margins, ho...
by papito23
Wed Jan 21, 2015 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 211
Views: 18874

Re: HSA... any receipt savers?

It is tempting to keep the "already spent" funds for years and manage the receipts / files... in fact, I just set that up. But I'm thinking of clearing it all out this year. There are enough hassles in life. Since I have more tax-advantaged space than I can use, the HSA is not giving me an...
by papito23
Tue Jan 20, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: how to get a reference from a current employer?
Replies: 16
Views: 1700

Re: how to get a reference from a current employer?

Thanks all for taking the time to comment with your experiences. It is very helpful to me in navigating how to get established in my career. In regards to job tenure, I will admit I am probably too quick to look/jump. However, in recent memory our division was reduced by XX% (immediate terminations)...
by papito23
Sun Jan 18, 2015 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for baby and one income
Replies: 41
Views: 3285

Re: Preparing for baby and one income

Congrats on the tax deduction! If your income is low enough, understand how both the Earned Income Tax Credit and the Saver's Credit work. A Trad-IRA here or there in just the right amount can yield wonders. I'm frugal, so I'll say this: Don't set foot into a baby store unless you haven't found a wa...
by papito23
Sun Jan 18, 2015 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: how to get a reference from a current employer?
Replies: 16
Views: 1700

Re: how to get a reference from a current employer?

I disagree... HR is NEVER on the employee's side.... Have you worked with someone in a more senior position outside of your direct boss? I have, including negotiating employment contracts with both recruits and renewing employees in several countries where such contracts are customary. HR, although...
by papito23
Sun Jan 18, 2015 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: What is the median retirement savings by age / age group?
Replies: 11
Views: 2922

Re: What is the median retirement savings by age / age group

@staythecourse: I just wanted to get an idea of where I fit in compared to other people. As you mentioned, it isn't helpful for figuring out what I save. However, it is nice to periodically check in to see how you compared to others for your age group. I'm interested too... even though it is largel...
by papito23
Sun Jan 18, 2015 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: how to get a reference from a current employer?
Replies: 16
Views: 1700

Re: how to get a reference from a current employer?

Current plan is to list more senior/experienced associates I have worked with and have a good opinion of me, but have not been my direct report per se.
by papito23
Sun Jan 18, 2015 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: how to get a reference from a current employer?
Replies: 16
Views: 1700

Re: how to get a reference from a current employer?

Federal jobs require several references and an insanely detailed resume. Overkill, but that's the game.

My first boss told me what he did before he left - he asked that his reference (non-profit board chair) not be contacted until the final round of interviews / decisions, if possible.
by papito23
Sun Jan 18, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: how to get a reference from a current employer?
Replies: 16
Views: 1700

how to get a reference from a current employer?

Classic catch-22? How have you handled such a situation throughout your career? Put out references from people who are at same-stage as you (co-workers)? How can you list a supervisor without planting an enormous seed of doubt and letting the cat out of the bag that's you're searching. I like my job...
by papito23
Sun Jan 18, 2015 4:07 pm
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 13269

Re: Why invest in International funds? It's a mystery

The OP answers his or her own question. Before anything, investing is concerned for the future (after all, no one can invest in the past). Q: Why invest in international funds? A: [The future] is a mystery. OP saved us 100+ posts... not that we were paying attention. Minutiae to discuss and all... I...
by papito23
Wed Jan 14, 2015 2:38 pm
Forum: Investing - Theory, News & General
Topic: Oil / Energy ETFs
Replies: 58
Views: 5968

Re: Oil / Energy ETFs

Whoops... VDE nearly back to 0.00% by 2:33 pm... and now down 0.49% four minutes later. I think this is why I normally stay away from ETFs... who invented these things??!
by papito23
Wed Jan 14, 2015 2:18 pm
Forum: Investing - Theory, News & General
Topic: Oil / Energy ETFs
Replies: 58
Views: 5968

Re: Oil / Energy ETFs

Gosh, this is just getting more tempting by the day... I'm really just about to transfer over some fun money to the money market account... the light... it's so.... beautiful.... ..... come here my love... :shock:

Image
by papito23
Wed Jan 14, 2015 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Help setting up college savings account
Replies: 37
Views: 3461

Re: Help setting up college savings account

Generally, a family should make maximum possible legal contributions to their retirement plans before contributing even one cent to a 529 plan. What do you generally recommend for Hoosiers? http://www.bogleheads.org/forum/viewtopic.php?f=1&t=154706 20% state tax credit, Vanguard funds. The allu...
by papito23
Wed Jan 14, 2015 8:23 am
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 68
Views: 10901

Re: Would you buy Total World index if it had Admiral Shares

(I'm stating this in gray, to symbolize a "gray area" and in hopes of not starting a round of a familiar and sterile debate here. As to global cap-weighting itself, for the record, my personal $0.02 is that the importance of international equities is wildly overstated, any "diversifi...
by papito23
Tue Jan 13, 2015 10:02 pm
Forum: Investing - Theory, News & General
Topic: Russia and energy in EM
Replies: 19
Views: 2103

Re: Russia and energy in EM

Re: nationalization. I was living in Bolivia when the gov't decided to nationalize several sectors/industries. The preferred method seemed to be arrive overnight and bring guns (but smile and speak nicely!). Sounds like one-sided negotiation to me. With only a single and highly motivated buyer, the ...
by papito23
Tue Jan 13, 2015 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 70
Views: 9414

Re: Dazed, Confused and Upset

This is what you call price opacity, and this practice of net transaction reporting is disingenuous at best, and purposefully deceitful at worst. Given how little the average consumer understands about what mutual funds even are or how they are valued, this kind of practice really rubs me the wrong...
by papito23
Tue Jan 13, 2015 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 70
Views: 9414

Re: Dazed, Confused and Upset

Man, sorry. 1% charge on the lowest of low-7-figures ($1,000,000) is $10,000/yr. I would be surprised if we don't look back on this model in 15 years and consider it criminal. Easy for me to say, but the past is a sunk cost. Done. It is only going to get better from here. In the marathon of investin...
by papito23
Mon Jan 12, 2015 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 6435

Re: Looking for low cost cell phone plans...

Left Net10 (horrid) for Ting and couldn't be a more night-and-day experience. Ting's customer service is stellar, bill is easy to understand, lots of web controls, alerts, turn features on/off, etc. [Referral comment removed by admin LadyGeek] Example: We were running up to the 1,000 minute mark wit...
by papito23
Fri Jan 09, 2015 5:43 am
Forum: Investing - Theory, News & General
Topic: I see rental properties as bonds. Am I completely off base?
Replies: 28
Views: 3102

Re: I see rental properties as bonds. Am I completely off b

I see my Total U.S. Stock holding as a bond. When I look at the asset, I see: 1) Stable cash flows, dividends in line with the value of the asset (except during bubbles, or other weird times) 2) Asset values that rise when interest rates decline, fall when they rise (except those times when they don...
by papito23
Thu Jan 08, 2015 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: 3-member LLC with a solo 401K?
Replies: 16
Views: 2953

Re: 3-member LLC with a solo 401K?

I use Fidelity so I can speak to my interpretation. I also have a LLC electing SCORP status with 2 other partners (50/25/25 stakes) You can do this so long as you meet the adoption agreements definition of ownership: IRS 401(a): (3) Owner-employee The term “owner-employee” means an employee who— (A...
by papito23
Thu Jan 08, 2015 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: 2014 Trad v Roth allocation based on ACA-subsidy?
Replies: 0
Views: 349

2014 Trad v Roth allocation based on ACA-subsidy?

I'm seeing that the 2014 healthcare subsidy (ACA) has a phase out of about 15-20% for me (every $1 I earn means losing $0.15-0.20 in subsidy). Since we had the healthcare plan for 6 months of 2014, it's more like 7.5-10% on the year. It is my understanding that it is tax time at which one sits down ...
by papito23
Thu Jan 08, 2015 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Oil Price Hedging - How does an individual do it?
Replies: 31
Views: 4071

Re: Oil Price Hedging - How does an individual do it?

^ Good points. I suppose we could argue that the small group of people who are either naturally (genetically) or behaviorally (unless that is genetic!) are less-inclined to choose short-term pleasure over long-term discipline will eventually become economically dominant in industrial/capital-istic s...
by papito23
Thu Jan 08, 2015 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 35
Views: 4792

Re: Is Roth 401k better even if future tax bracket is lower?

I am bewildered that people use current tax rates to judge the comparative value of a traditional vs roth 401k, that might be 20-30 years in the future. This seems to be a common error. Don't know why that is done over and over. WE have no idea what taxes will be in 20-30 years. My advice - hedge y...
by papito23
Thu Jan 08, 2015 9:01 am
Forum: Investing - Theory, News & General
Topic: Why buy total international and not each country?
Replies: 21
Views: 2898

Re: Why buy total international and not each country?

Why not split total international into it's 5,785 individual stocks? This is the TLH possibilities! Why? I have a day job. That, and the temptation to deviate from the program at the wrong time will be too great for the majority of people. Emerging markets, anyone? This and many other "Why not'...
by papito23
Thu Jan 08, 2015 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Oil Price Hedging - How does an individual do it?
Replies: 31
Views: 4071

Re: Oil Price Hedging - How does an individual do it?

I'm shopping for a deal on a Prius. That is, I'm locking in 5-10 years of transport at low operating cost/mile, but hoping that the normally higher capital-associated portion of the equation (hybrid car) is undervalued. People as a whole are now actually signing up for 5-10 years of higher transport...
by papito23
Tue Jan 06, 2015 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: 3-member LLC with a solo 401K?
Replies: 16
Views: 2953

Re: 3-member LLC with a solo 401K?

Papito23, it sounds like the partnership is righfully the sponsor for 2015, in view of your description of things. It does not sound like the disregarded entity/every proprietor for himself plan design is usable here. Everything seems to be formally set up under the partnership umbrella. For 2014, ...
by papito23
Tue Jan 06, 2015 11:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3384
Views: 860404

Re: U.S. stocks in freefall

When I go to Google finance , click the "S&P 500" link, and select any time period of 3 months or greater (6 months... 1 year... 5 year...), all I see are percentages in green . That is to say, everyone who bought any amount of the broad U.S. stock market before Halloween 2014 has made...
by papito23
Mon Jan 05, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: 3-member LLC with a solo 401K?
Replies: 16
Views: 2953

Re: 3-member LLC with a solo 401K?

My LLC has 2 members (not spouses). Fidelity told me that we could do a solo 401k. Don't know why they told you the opposite. My company is an S Corp, perhaps that makes a difference. Hayden, It's because: *I may not have explained my situation clearly, even thought I though I had, and/or *there is...
by papito23
Sun Jan 04, 2015 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Indiana 529... heads I win, tails I waste some time?
Replies: 1
Views: 668

Re: Indiana 529... heads I win, tails I waste some time?

Related question: Money laundering is wrong/illegal: passing money through an entity to gain a preferred tax or other advantage. However, money is also fungible. Has anyone ever heard of grandparents giving gifts to parents (keeping it under the gift tax level of $13,000 maybe?) so that the parents ...
by papito23
Sun Jan 04, 2015 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: 3-member LLC with a solo 401K?
Replies: 16
Views: 2953

Re: 3-member LLC with a solo 401K?

If this multi-member LLC is a disregarded entity, then it is by definition a partnership. Each partner in a partnership where the only employees are partners and their spouses may each have a separate Solo 401k. Each separate Solo 401k covers one partner and optionally their spouse (if they worked ...
by papito23
Sun Jan 04, 2015 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Indiana 529... heads I win, tails I waste some time?
Replies: 1
Views: 668

Indiana 529... heads I win, tails I waste some time?

I know 529's have been discussed ad nauseum. Would be curious of any early-adaptors' real-life experience and/or that of Hoosiers. Also, please lend use of crystal ball if working. I am considering setting up a plan (albeit 5 days late, so for 2015). Indiana offers a 20% credit on the first $5K of c...
by papito23
Sat Jan 03, 2015 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: 3-member LLC with a solo 401K?
Replies: 16
Views: 2953

Re: 3-member LLC with a solo 401K?

Thanks BoulderBoy. Please see edit above.
by papito23
Sat Jan 03, 2015 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: 3-member LLC with a solo 401K?
Replies: 16
Views: 2953

3-member LLC with a solo 401K?

Anyone know if I can I have a solo 401k for myself within a 3-member (owner) LLC consisting of myself, spouse, and non-related partner? (That is, we have no employees). The LLC is taxed as a partnership for federal purposes. My own research here and elsewhere has been somewhat inconclusive. Called F...

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