Search found 264 matches

by furikake
Wed Aug 14, 2019 1:15 am
Forum: Personal Finance (Not Investing)
Topic: House purchase (cash)... wire transfer or cashier's check?
Replies: 32
Views: 2034

Re: House purchase (cash)... wire transfer or cashier's check?

Your wire may take more than a day to arrive, if you're doing wire, it's best to do it a day or two before closing otherwise you may not be getting the keys.
by furikake
Sat Aug 10, 2019 5:13 pm
Forum: Personal Investments
Topic: Laid Off - Need Advice
Replies: 48
Views: 3570

Re: Laid Off - Need Advice

Since you have a Vanguard fund, I'm guessing you have a Vanguard account? I believe you can ask to speak to a CFP there and have him/her guide you on your portfolio. We setup a time to talk to one, there's no cost unless you want them to actively manage your portfolio for you.
by furikake
Wed Aug 07, 2019 6:34 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 96
Views: 8470

Re: Personal Flagship Representaive Going Away

There was one very bad one, I called in to ask about something, he said he couldn't talk to me, that he could only talk to the man in the house. Incredible. I hope you were able to report his behavior to Vanguard somehow. He wasn't worth my time, so I asked my husband to take care of it. Not quite ...
by furikake
Wed Aug 07, 2019 3:41 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 96
Views: 8470

Re: Personal Flagship Representaive Going Away

I didn't get the email either. If I remember correctly, they said that a few years ago but we still have a rep. We've had quite a few different reps over the years. There was one very bad one, I called in to ask about something, he said he couldn't talk to me, that he could only talk to the man in t...
by furikake
Tue Aug 06, 2019 11:42 pm
Forum: Personal Consumer Issues
Topic: Worth it to upgrade to Main Cabin Extra?
Replies: 76
Views: 3811

Re: Worth it to upgrade to Main Cabin Extra?

We recently flew 8 hours each way on AA and had Premium Economy. I think you should consider Premium Economy instead of Main Cabin Extra.
by furikake
Tue Aug 06, 2019 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Questions about home insurance (State Farm v Hippo)
Replies: 15
Views: 849

Re: Questions about home insurance (State Farm v Hippo)

We've had State Farm for more than 25 years, never had a problem with them. Filed 2 claims in all these years and they had paid us back everything we paid in plus more. They were very quick in claims assessment and claims payment. I have friends with discount insurers and I heard their horror storie...
by furikake
Mon Aug 05, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Homeowner Insurance Payout
Replies: 4
Views: 480

Re: Homeowner Insurance Payout

We had hail damage a few years ago from 2 big bad hail storms. The insurance claims person came out to assess the claims, they called us with a number, got the check within the same week. Then we hired different contractors to perform different fixes. No one asked us to show them our insurance check...
by furikake
Sun Aug 04, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Appealing property tax assessment
Replies: 19
Views: 1322

Re: Appealing property tax assessment

What Gnirk said. I go every year, but before I go, I download the database file from the county which has data on each and every piece of property commercial and residential in it. I then take out all the ones in my neighborhood, which are only about 70 entries. Since all the hones are custom in my ...
by furikake
Fri Jul 12, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: East/North Dallas cities
Replies: 10
Views: 867

Re: East/North Dallas cities

What TxAg said, and also Richardson on the east side of US75. Wylie is spelled Wylie, not Wiley. :D If you want larger lots, look in Parker and Lucas.
by furikake
Wed Jun 26, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting/Expense tracking
Replies: 31
Views: 1697

Re: Budgeting/Expense tracking

I track based on the bills we pay, like Credit Card #1, Credit Card #2, mowing, security alarm, dentist, gas, city/water, etc. I don't break out different categories like food, books, supplies, etc. I just need to know how much we spend each year. After tracking for several years, I know our expense...
by furikake
Mon Jun 17, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 4127

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

Wow, that's very high! I went to Warby Parker, got my progressive glasses with transitional lenses for I think $145 if I remember correctly. Without insurance, they would be $300 more. I have bad astigmatism as well.
by furikake
Mon Jun 17, 2019 1:16 pm
Forum: Personal Investments
Topic: Selling Business for 2.5 Million - Where to go NEXT?
Replies: 61
Views: 4582

Re: Selling Business for 2.5 Million - Where to go NEXT?

Just invest it and one of you get a gig that has good insurance. You'd be in good shape to retire at 40-45. Yes for us that gig will be another small business. We have access to fantastic ppo plans in Texas. I'm in the Dallas area myself, there are no PPO real insurance plans here, not in the indiv...
by furikake
Mon Jun 17, 2019 12:03 am
Forum: Personal Investments
Topic: Selling Business for 2.5 Million - Where to go NEXT?
Replies: 61
Views: 4582

Re: Selling Business for 2.5 Million - Where to go NEXT?

Just invest it and one of you get a gig that has good insurance. You'd be in good shape to retire at 40-45. Yes for us that gig will be another small business. We have access to fantastic ppo plans in Texas. I'm in the Dallas area myself, there are no PPO real insurance plans here, not in the indiv...
by furikake
Wed Jun 05, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3302

Re: Refrigerator Advice

We have a side by side and a french door, I much prefer the side by side. I feel like the french door, though bigger size, feels smaller. I believe it's more efficient with the freezer at the bottom, but I don't like it. It's a Kenmore, I believe it's a Whirlpool rebranded. I don't hear it. We have ...
by furikake
Thu May 30, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6083

Re: Women, How Much Do You Pay for Haircut

I was sick of the hairdresser not doing what I asked for, so I went to Target to get myself a set of hair cutting shears, comb, and mirror and have been cutting my own hair since. I'm cheap. :D
by furikake
Thu Mar 21, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: success in retrirement depends on home value?
Replies: 18
Views: 1384

Re: success in retrirement depends on home value?

magicrat wrote:
Thu Mar 21, 2019 11:29 am
I guess we should root for a housing market crash so we don't have to save as much for retirement!
LOL!!
by furikake
Tue Mar 12, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 6156

Re: lawn care cost

Ours is $75/week for a 1.5 acre lot, father and son-in-law crew, takes them like 2 hours to mow every week.
by furikake
Tue Feb 26, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6609

Re: $5000 water bill-Help!

Do you have a teenager in the house? We have one, and our water bill had been high for a long time and we had no idea why because we already checked for leaks and there were none. Then I found out that she turned the water on for 30 minutes before hopping into the shower and she then showered for 1....
by furikake
Sat Jan 26, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: Waterpik
Replies: 28
Views: 2659

Re: Waterpik

The old waterpik I had that broke I was using it at 8. This new one I use 5 or 6, and then 2 on a few very sensitive teeth.
by furikake
Tue Jan 22, 2019 10:46 pm
Forum: Personal Investments
Topic: Vanguard?
Replies: 41
Views: 4361

Re: Vanguard?

Do they offer financial advisor services? I know enough to know that I'm not a professional on picking funds. While I'm currently happy with my current advisor, always looking. Vanguard started Personal Advisor Services for 0.30% a few years ago. My understanding is they typically recommend Total S...
by furikake
Fri Jan 18, 2019 3:48 pm
Forum: Personal Investments
Topic: Should I dump our wealth planner/financial advisor?
Replies: 49
Views: 5823

Re: Should I dump our wealth planner/financial advisor?

If you feel more comfortable talking to a financial advisor but manage the funds yourself, you can talk to a free CFP at Vanguard, and then do what they advise you to do. Definitely stop paying your current financial planner.
by furikake
Fri Jan 18, 2019 2:00 pm
Forum: Personal Investments
Topic: Where Do HSAs Fit in Asset Location?
Replies: 48
Views: 3050

Re: Where Do HSAs Fit in Asset Location?

I don't count HSA at all since it's so little anyway. We can't contribute more than the max set by IRS and the max is so low, there is no point counting it as a part of our asset.
by furikake
Fri Dec 28, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8604

Re: Saving at Costco

I love Costco! A few times a year they have coupons on various household items, that's when I buy them. Other times, like today, I went in for brussel sprouts and came out spending almost $200. I'm weak. :P
by furikake
Tue Dec 18, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: I feel cheated, saved too much in 401K vs cash.
Replies: 74
Views: 10557

Re: I feel cheated, saved too much in 401K vs cash.

I wish we could have put more in 401k, we maxed ours out every single time.
by furikake
Tue Dec 18, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 41385

Re: Mr. Money Mustache, SWR, and equity allocation

OP: why don't you try it and when you fail, you come let us know?
by furikake
Mon Dec 17, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10594

Re: Can I retire

OP: if you're still reading this, remember to add taxes to your expenses calculation as well.
by furikake
Wed Dec 05, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 6828

Re: Health insurance for FIRE

It depends on what you're looking at. Are you looking at Short Term Medical plans from these lesser known companies? Or are they even health insurance at all? There are a lot of scummy companies/agents selling "health plans" as health insurance. You probably won't find out until you use it, it'll be...
by furikake
Tue Nov 27, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 4252

Re: Electricity bill should be 7% per month of home sq footage.

Ours is 3% at the highest in the summer. Most months it's a lot less.
by furikake
Sat Nov 10, 2018 2:48 am
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4300

Re: aerobic exercise: rower vs. treadmill and elliptical

I love my C2 rower! I row for about an hour each time, 3x/week in between my strength training days, at level 10. I have an elliptical and a stationary bike. Used to alternate between the rower and the elliptical and occasionally bike. Even though the elliptical is showing a higher calorie count, I ...
by furikake
Thu Oct 25, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Sweetner for Tea
Replies: 25
Views: 1332

Re: Sweetner for Tea

I don't use any in most teas, I drink mostly matcha everyday. If I make Darjeeling or Ceylon, then I'd use condensed milk. Erythritol is what I use when I make tea for dh because he doesn't want the calories from sugar. I like this better than Xylitol that I used before, no bitter after taste like X...
by furikake
Tue Oct 23, 2018 10:05 am
Forum: Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 8240

Re: For those who paid off house - how did you do it?

We did #1, took us 7 years. We got the mortgage when we only had one income, and then I got a job, and then we both got raises. We paid cash for our current home. We want to sleep better, don't like to owe money.
by furikake
Sat Oct 13, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: What is the ACA PTC income limit for 2018?
Replies: 13
Views: 728

Re: What is the ACA PTC income limit for 2018?

This is the site I usually use for that: https://familiesusa.org/product/federal-poverty-guidelines 2018 FPL numbers are used for 2019 coverage year. 2017 FPL numbers are used for 2018 coverage year. Perfect! I even saw the limit for tax year 2017 ($80,640) that I had failed and ended up paying bac...
by furikake
Fri Oct 12, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is the ACA PTC income limit for 2018?
Replies: 13
Views: 728

Re: What is the ACA PTC income limit for 2018?

This is the site I usually use for that: https://familiesusa.org/product/federal ... guidelines

2018 FPL numbers are used for 2019 coverage year. 2017 FPL numbers are used for 2018 coverage year.
by furikake
Fri Oct 12, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 38695

Re: free dinner investing seminar

My dog who died a few years ago received an invitation. I went as my dog with a friend of mine. :P We have quite a few retirees in our neighborhood. I never received one myself. My dog also received Medicare stuff. I'm in my 40's, no one sends me any invites. My dog was 98 (14 dog years) before he p...
by furikake
Mon Oct 08, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can we safely retire early?
Replies: 18
Views: 3442

Re: Can we safely retire early?

If the market tanks 50% tomorrow, will you still be ok with your plan?
by furikake
Mon Oct 08, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Need Health Insurance (Non-ACA Options)
Replies: 80
Views: 5919

Re: Need Health Insurance (Non-ACA Options)

Not an expert in insurance, so forgive these ignorant questions: (1) What is a "short term" plan? Who offers them? Are there examples? (I'm aware of the ACA, of course, and the faith-based alternatives.) (2) I wasn't aware that "brokers" existed who offer assistance on health insurance matters. How...
by furikake
Mon Oct 08, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need Health Insurance (Non-ACA Options)
Replies: 80
Views: 5919

Re: Need Health Insurance (Non-ACA Options)

Talk to your broker, see if there is a group carrier who would insure just you as a group. In my state, small group plans are a lot cheaper than Individual unsubsidized plans. There is exactly one insurance carrier who would accept a group of 1 if all your other employees are all part timers. There ...
by furikake
Mon Oct 08, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 13347

Re: What is your annual cost for health insurance?

$15k this year for a $5000 deductible $6050 out of pocket max per person HSA plan, 3 in our family. Will be $16,350 next year. We're on a pre-ACA small group plan, am waiting to see if I can negotiate it down some for next year.
by furikake
Fri Oct 05, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5612

Re: Mr. Money Mustache is the BOMB!

I think he shouldn't keep using "FIRE," he should just be talking about FI. There is nothing about RE that he's preaching at all since he's still working, and he is encouraging everyone to keep working on stuff they enjoy which is not a bad thing, but it is not RE. And the part about health care, un...
by furikake
Wed Oct 03, 2018 2:46 pm
Forum: Personal Investments
Topic: Yet Another "Can I Retire Yet" Thread
Replies: 40
Views: 5108

Re: Yet Another "Can I Retire Yet" Thread

Just remember to include taxes into your number. If you think $102k is what you will use, that number should have taxes included already, so the actual amount that you can use is actually less than $102k.
by furikake
Tue Oct 02, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3358

Re: Anyone ordered a vehicle through a dealership?

I did when I bought my car in 2004. I knew somebody who knew someone who was a fleet salesman at a dealership 30 miles from here. He had him call me, we talked, I told him exactly what I wanted. Not that I could add a lot of options to a Honda SUV, I told him the model and the color I wanted, he sai...
by furikake
Tue Sep 25, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7909

Re: Fed up with health insurance situation

Prior to ACA many of us got turned away for having a pre-existing condition. That is one of the big worries for many of us - being uninsurable due to pre-existing conditions should the ACA go away. While I support the ACA and oppose efforts for it to "go away", a return to the pre-ACA rules would n...
by furikake
Tue Sep 25, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7909

Re: Fed up with health insurance situation

Interesting discussions - particularly those from the employer (buyer's) side of the equation. Someone mentioned association health plans (AHPs), which allow small business to band together for the purpose of obtaining insurance. I seem to recall my old actuarial study material saying something abo...
by furikake
Tue Sep 25, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7909

Re: Fed up with health insurance situation

sergio: you may want to also check into partially self-funded Small Group plans in your area. I'm in TX, depending on the group size, if the employer has 10 or more employees participating and they're young and healthy, the self-funded rates are much much better than the fully insured rates.
by furikake
Tue Sep 25, 2018 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Health care question - self employed- Whats your plan? Advice Needed
Replies: 24
Views: 2123

Re: Health care question - self employed- Whats your plan? Advice Needed

BCL78: we have a small group health insurance plan, it's a lot cheaper than regular individual plans, and it's tax deductible to the business. Depending on the setup of your business, if you qualify.
by furikake
Sun Sep 23, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: S Corporation vs. LLC Partnership Logistics
Replies: 17
Views: 1651

Re: S Corporation vs. LLC Partnership Logistics

BofA offers free payroll if you bank with them, for up to 4 employees (if it hasn't changed). I'm not sure if you can deduct your health/dental benefits as the employer on your payroll if you're getting individual plans, unless you're talking about group plans.
by furikake
Mon Sep 17, 2018 12:17 pm
Forum: Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 61
Views: 9802

Re: Thinking of Retiring at 52, Please Critique Plan

I may be wrong, but if he does collect SSDI, he will be able to get onto Medicare 24 months later, so he doesn't have to deal with individual insurance. If I could do that, I would do it. Individual insurance is a mess! That is my understanding too, but they will still need insurance for the rest o...
by furikake
Mon Sep 17, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs save $1.5K/year
Replies: 12
Views: 1741

Re: HSA vs save $1.5K/year

If it's me, I'd do her plan. The HSA tax savings is not quite that much considering how much more you're saving on her plan.