Search found 975 matches

by serbeer
Wed Aug 17, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: High Net Worth Life Insurance Questions
Replies: 42
Views: 2502

Re: High Net Worth Life Insurance Questions

To give you an example, let's assume you and spouse are both in great health and qualify for the best health rating on your life insurance. A $10M second-to-die policy guaranteed for life would be around $23,000 per year in premiums. If you both live for 50 years, you've paid a little over $1M in p...
by serbeer
Wed Aug 17, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: High Net Worth Life Insurance Questions
Replies: 42
Views: 2502

Re: High Net Worth Life Insurance Questions

To give you an example, let's assume you and spouse are both in great health and qualify for the best health rating on your life insurance. A $10M second-to-die policy guaranteed for life would be around $23,000 per year in premiums. If you both live for 50 years, you've paid a little over $1M in p...
by serbeer
Fri Jul 29, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: MRI Price [Magnetic Resonance Imaging]
Replies: 35
Views: 2044

Re: MRI Price

Check this referral service out: http://cheapimaging.com/ They connect you to imaging facilities in your area with prices already pre-negotiated. Some areas charge as little as $200 for MRI itself, including reading by radiologist, but with contrast you may be looking closer to $400 I am guessing, s...
by serbeer
Mon May 09, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10971

Re: Is buying organic really that expensive?

Well, my wife buys many organic items, and many regular items too. It is frequently an arbitrary decision based on difference in price between the two. As a side note, there is a valid argument that dirty-dozen list is not something that one should use when picking what to buy organic: http://vitals...
by serbeer
Wed Feb 03, 2016 6:28 pm
Forum: Investing - Theory, News & General
Topic: Stock trading automation software
Replies: 22
Views: 2355

Re: Stock trading automation software

You can even do so for free from MS Excel spreadsheet using macros if you have Ameritrade account:
http://downloads.tomsguide.com/TraderXL ... -1656.html
by serbeer
Wed Jan 13, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with IRA contribution recharacterization
Replies: 2
Views: 347

Re: Please help with IRA contribution recharacterization

Thank you very much Alan, you lifted the weight off my shoulders.

No, I rolled over non-401K IRA balance years ago, so just doing back door conversion every year now, pretty routine excercise except fat-fingering account this year.

So I'll go ahead and convert to Roth without delay, thanks again.
by serbeer
Wed Jan 13, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with IRA contribution recharacterization
Replies: 2
Views: 347

Please help with IRA contribution recharacterization

I hope somebody can help with the problem I created for myself yesterday when moved $5.5K of 2016 IRA contribution to Roth IRA in Ameritrade from my bank account by mistake, instead of sending the money into my Traditional IRA, as I do every year since 2010 (with submitting Roth IRA conversion reque...
by serbeer
Thu Jan 07, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - Child Care
Replies: 23
Views: 1473

Re: Need Advice - Child Care

We had a nanny until the older kid turned nearly 4 and younger was nearly 3. Nanny costs just $1-2 per hour more when you have 2 kids than when you have 1, so it is certainly a good deal. Ours also cooked and did kids' laundry while kids were down for 3 hour nap mid-day. When it was time to socializ...
by serbeer
Thu Jan 07, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: How would a boglehead spend the lotto?
Replies: 36
Views: 1749

Re: How would a boglehead spend the lotto?

Boglehead would not :)
by serbeer
Mon Dec 21, 2015 3:30 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 10446

Re: Bogleheads: Share how you like to vacation

4 week-long vacations usually: Either 1 or 2 week-long trips with kids and extended family to major lake destination several hours away where we usually rent a cabin on one of the beaches trying to go for new one every time--in the summer. either 2 or 3 week-long trips to all-inclusive resorts in le...
by serbeer
Tue Dec 15, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: My credit score is 808
Replies: 37
Views: 5706

Re: My credit score is 808

Stop bragging :)
by serbeer
Fri Dec 11, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 17660

Re: Boglehead cell phone strategy

Cricket has the iPhone 5c, 5s on sale today. 5c 16 GB = $179 5s 16 GB = $199 5s 32 GB = $249. That's the best deal for no contract pricing I've ever seen for new phones. Couple that with a $100 switcher credit and a great deal. The pricing is also available to current subscribers. This might be a s...
by serbeer
Wed Dec 09, 2015 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Illinois resident seeking 529 help
Replies: 30
Views: 2550

Re: Illinois resident seeking 529 help

I am an Illinois resident, and I wouldn't go near the state 529 plan, nor would I even purchase municipal bonds here That state and city of Chicago are essentially bankrupt, with tens of billions of unfunded liabilities, and the worst credit rating in the nation. Massive corruption, underfunded pen...
by serbeer
Wed Dec 09, 2015 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Illinois resident seeking 529 help
Replies: 30
Views: 2550

Re: Illinois resident seeking 529 help

For IL-529 state tax deduction contribution limit is mentioned as 10k/yr for single and 20k/yr for joint filing. Is this limit per child/beneficiary. Can a family with two kids contibute $40k/yr and avail tax deductions ? Nope, $20K is the deduction limit per IL joint tax return. You can contribute...
by serbeer
Mon Dec 07, 2015 3:56 pm
Forum: Personal Consumer Issues
Topic: The Restaurant Experience
Replies: 75
Views: 5678

Re: The Restaurant Experience

Well, I find the restaurants that just recently opened up actually provide better service and serve higher quality food than many of established places as owners are anxious to make an impression on first customers and get word of mouth going. But they tend to fall back more in line with averages as...
by serbeer
Wed Dec 02, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 17660

Re: Boglehead cell phone strategy

Wife and I purchased two iPhones this past week (6s with 64GB for each of us). Each phone is roughly $800 with tax. This was our strategy: 1) Opened up a Chase Business Ink Card that earns 5% cash back on cell phone charges. 2) Did a one-on-one interview with a market researcher. They were looking ...
by serbeer
Mon Nov 30, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Cyber Monday
Replies: 50
Views: 6464

Re: Cyber Monday

For what it worth, my wife who spent most of Black Friday shopping on the web (well, mostly looking luckily :) ) is telling me that web deals on Friday were better than these on Cyber Monday.
by serbeer
Sun Nov 29, 2015 1:10 am
Forum: Personal Finance (Not Investing)
Topic: FSA child care maximum
Replies: 2
Views: 380

Re: FSA child care maximum

Per my previous research, it is $5K combined per joint tax return.
Unlike medical FSA which is up to $2.5K per person (so the total is up to $5K still but both spouses must have it for it to get to this number).
by serbeer
Thu Oct 08, 2015 4:07 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation Returns by Year?
Replies: 9
Views: 841

Re: Asset Allocation Returns by Year?

jhl wrote: Is that when data started being logged accurately for most of these asset classes?

Exactly.
by serbeer
Sun Sep 13, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: What bed did you get your toddler and how long did you use it?
Replies: 31
Views: 3247

Re: What bed did you get your toddler and how long did you use it?

Our oldest was on crib mattress (with crib sides removed) until 4.5 yo. When he started approaching the crib mattress length (which I believe is 52'', and he got to be 42'' or so) we switched to a single (aka twin) bed with mattress from Walmart, we went for 8'' one that was in $100-200 range as I r...
by serbeer
Thu Jul 02, 2015 11:01 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 784
Views: 474727

Re: Backtesting Google Spreadsheet

Wow, that's pretty cool! Do share please.
by serbeer
Fri Jun 26, 2015 2:18 pm
Forum: Investing - Theory, News & General
Topic: A tool to backtest hypothetical portfolios
Replies: 3
Views: 913

Re: A tool to backtest hypothetical portfolios

Not online tool, uses Excel, but this forum members have developed this:
http://www.bogleheads.org/wiki/Simba's_ ... preadsheet
by serbeer
Fri May 29, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: Made online payment and credit card is compromised
Replies: 12
Views: 1030

Re: Made online payment and credit card is compromised

Everything is possible. I have had credit cards get fraudulent charges on them even before I received the credit card. Here's a poll on CC incidents: https://www.bogleheads.org/forum/viewtopic.php?t=158848 Ah, good old times when we still could do polls on BH forum... How I miss them, the board see...
by serbeer
Fri May 01, 2015 11:13 pm
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 7990

Re: Polls Disabled

I do understand some polls have a certain entertainment value, but our resources are limited and we prefer to focus on areas where we feel we can do the most direct good. I started to write long post to respond to this, spent about 10 mins writing it, and then just deleted it all. I am just going t...
by serbeer
Tue Apr 21, 2015 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Friend's house burnt, Helping him start new financial life?
Replies: 20
Views: 2776

Re: Friend's house burnt, Helping him start new financial li

And of course insurance will not pay for lost personal belongings. Why is that? Any homeowner insurance includes coverage of content of the house, usually pegged at ~40% of house total value. Depending on policy, it covers either cash value or full replacement value, with the later obviously being ...
by serbeer
Mon Apr 13, 2015 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Would you refinance to save 0.25%?
Replies: 23
Views: 2513

Re: Would you refinance to save 0.25%?

I did about 5 or 6 no-fee refinances, lowering my initial rate from 5% to 3%, most in 0.25% increments. I made sure there was no pre-payment penalty on each one and, to avoid resetting the clock, I am still paying original amount of payments monthly, paying the difference as as additional principal ...
by serbeer
Thu Apr 09, 2015 2:22 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 784
Views: 474727

Re: Spreadsheet for backtesting (includes TrevH's data)

I'm wondering if there is any write-up that may walk me through the steps. Is this something that others would find useful? The funds I'm planning on adding are DFA funds. Sorry, there is not. I am sure some people will find it useful. Majority on this forum... probably not. See my comments a few p...
by serbeer
Wed Apr 08, 2015 11:59 am
Forum: Investing - Theory, News & General
Topic: Fix in Fidelity Full View
Replies: 8
Views: 1529

Re: Fix in Fidelity Full View

I think a tool like this would be very useful, but I'm scared about security issues. How secure are these sites? You can make it more secure if you have smart phone. Then you can use Symantec VIP token Fidelity provides free of charge. https://www.fidelity.com/security/soft-tokens/overview Or, if y...
by serbeer
Wed Apr 01, 2015 1:20 pm
Forum: Personal Consumer Issues
Topic: Use work phone as primary phone?
Replies: 13
Views: 947

Re: Use work phone as primary phone?

Use work phone as personal phone for several years now. Ported former personal cell phone number to Google Voice, installed GV app on the phone and forwarded GV number to work phone number. Saves $50/month and works just fine.
by serbeer
Mon Mar 30, 2015 5:49 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 41
Views: 3897

Re: Ad Blockers

Adblock Plus used to be good but they have sold out recently, allowing ad networks to pay them to be ''whitelisted'' and get ads through. (They claim they do this very rarely but in reality hundreds of networks and sites are whitelisted, and even if they scaled it back, why use an adblocker that do...
by serbeer
Sun Mar 29, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Estimated Tax Coupons in *.pdf
Replies: 5
Views: 527

Re: Turbo Tax Estimated Tax Coupons in *.pdf

These estimated payments forms don't get filed/sent if you file electronically, just like cover page does not. It is printed for you in case you want to use it next year. Or, if you don't file electronically and printed to mail, you should not mail these forms in, just throw them away.
by serbeer
Thu Mar 19, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: how much mortgage would you be comfortable with?
Replies: 43
Views: 5821

Re: how much mortgage would you be comfortable with?

I am tempted to advise you to buy as much of a house as you can afford--and that can be a very expensive house indeed. Go all out!!! Because you will spend the money on the house itself, furniture to fill it, cleaning people to clean it, crews to fix it, and more crews to cut the grass--not to menti...
by serbeer
Wed Mar 11, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: FSA Deadline looming in 3 days. How to use?
Replies: 7
Views: 802

Re: FSA Deadline looming in 3 days. How to use?

Not going to cost $2.5K, but any sunblock with SPF of 15+ is eligible for FSA and so is saline solution. Blood pressure monitors. Dental items, vision items as well. Medical supplies, such as braces/bandages/elastic wraps (but not OTC medication that now requires prescription). Chiropractor. Body sc...
by serbeer
Tue Mar 10, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: Fidelity Amex extended warranty ?
Replies: 3
Views: 1631

Re: Fidelity Amex extended warranty ?

I used their warranty when cleaning sensor on my $600 Canon camera (I bought with the card from Amazon) went bad. Original warranty was 1 year, so card doubled it to 2. The camera was ~1 year and 10 months old when the problem developed. Customer Service of the company the card contracts with sent m...
by serbeer
Thu Mar 05, 2015 1:31 pm
Forum: Personal Consumer Issues
Topic: Anyone fans of the CNBC show American Greed???
Replies: 32
Views: 3203

Re: Anyone fans of the CNBC show American Greed???

choices wrote:Yes. Am always surprised at all who fall for the old " too good to true" gambit.

Anyone who ever played lottery? $250M for $5!
by serbeer
Tue Mar 03, 2015 11:11 am
Forum: Investing - Help with Personal Investments
Topic: What if you already have a couple million?
Replies: 42
Views: 7623

Re: What if you already have a couple million?

Better question is whether you have, for example, 2-3 young kids.
If you need to house them, pay for their activities while in school, and put them through college afterwards, you are not there yet retirement-wise even with a couple of millions, not by long shot IMO.
by serbeer
Mon Mar 02, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 8670

Re: How do I learn to like sushi?

We eat sushi quite often, but my wife does not eat raw fish. So how do we do it? Simple. She orders sushi that only has Unagi (fresh water eel that is fully cooked), and, if available, smoked salmon sushi. There are both nigiri and rolls (there is a variety of unagi rolls that has multi-components o...
by serbeer
Wed Feb 25, 2015 12:39 am
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 784
Views: 474727

Re: Spreadsheet for backtesting (includes TrevH's data)

Yes, only annual data supported. I believe that's enough for most forum member, not to mention that only a minority on this board is interested in back-testing to begin with. In fact, there is significant percentage who don't even bother to calculate their own annual returns, on assumption that they...
by serbeer
Mon Feb 23, 2015 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Limited account access
Replies: 5
Views: 676

Re: Limited account access

Former INGDirect (currently Capital One 360) does the same thing with read-only password/code for financial aggregation sites since yet 2 or so years ago.
by serbeer
Mon Feb 23, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 784
Views: 474727

Re: Spreadsheet for backtesting (includes TrevH's data)

Thanks very much folks. Impressive work, to say the least. Three more questions: 1) I got on the Kitco site and found historical prices for gold, but older data does not seem to be in a format that allows downloading. Did you folks just obtain the data by hand, or did you find a way to download dig...
by serbeer
Tue Feb 17, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 8701

Re: A Special Message From Social Security--NOT!

Got the same. The link takes one directly to SS site main page, using encryption to connect, so not phishing.
Not really big deal IMO, just advertisement for additional site capabilities. But yes, phishing is always a concern and yes, it pays to stay alert.
by serbeer
Tue Feb 17, 2015 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Prorating Tax Refund with Dear Wife
Replies: 18
Views: 2123

Re: Prorating Tax Refund with Dear Wife

Turbo Tax desktop version has worksheet called "What-If" or something very similar--which is not easy to find, you have to switch to forms mode and look for it by the name. Among other hypotheticals, it allows you to see instantly what your tax numbers, including taxable income and resulti...
by serbeer
Mon Feb 09, 2015 12:04 am
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 4770

Re: Which light bulbs are best bang for the buck?

LEDs reached the price level when you don't need to think very hard. Just bought 60W-equivalent 9W dimable LEDs from Staples for $3.99 a piece. Same price for non-dimable ones in Menards. I now have the whole house covered in LEDs except my GU10 halogen fixtures, which a shame since these actually a...
by serbeer
Fri Feb 06, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 14293

Re: How to respond when someone asks how much money you make

"I'll forgive your asking if you forgive me not answering"
"Sorry, but I only share this with IRS"
"I don't see how this information could be of any real use to you whatsoever"

I've given all 3 answers in the past actually
by serbeer
Fri Feb 06, 2015 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 4432

Re: TurboTax turns off all state efiling to prevent fraud

Hm, per my recollection, TT did not ask me for account number to download tax forms. It mostly used PINs that were provided by the financial institutions and employers on W-2 and 1099 forms mailed to me, and, in one case if memory does not let me down, it took me to the site to log in through browse...
by serbeer
Thu Jan 29, 2015 1:59 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with volatility if buy&hold
Replies: 52
Views: 4499

Re: What's wrong with volatility if buy&hold

While volatility is not the major factor, at least in accumulation state of the portfolio, it is indeed a factor. Here are several discussions we had on the subject. The first 2 are easy readings, while the 3rd is the most in-depth: https://www.bogleheads.org/forum/viewtopic.php?t=66601 https://www....
by serbeer
Wed Jan 28, 2015 5:21 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 784
Views: 474727

Re: Spreadsheet for backtesting (includes TrevH's data)

Yeap, wrong link. https://drive.google.com/file/d/0B6rEnGbxebTBOWRfMUpDOC1jbWc/view?usp=sharing is the one for xls version 14b. All right, since you state that it works with OpenOffice, I'll add the link to my main post with that comment. I'll keep xlsx version for now too--in case someone discovers...
by serbeer
Wed Jan 28, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 784
Views: 474727

Re: Spreadsheet for backtesting (includes TrevH's data)

Unfortunately, the spreadsheet is only supported in Microsoft Excel, and, with LadyGeek's efforts, in LibreOffice. If unpacked xls type version works better than xlsx for OpenOffice, it can continue to be posted in that format. I can see Paul Douglas Boyer had the same idea yesterday, I uploaded sim...
by serbeer
Mon Jan 26, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: Get 17% in russian savings account?
Replies: 49
Views: 5437

Re: Get 17% in russian savings account?

Just don't mistaken it for safe investment because it is "Central Bank" that gives the rate. I'd say you can plunk as much into this account as you would be willing to plunk into junk bonds.
http://news.yahoo.com/p-downgrades-russ ... 42071.html

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