Search found 35 matches

by tioscrooge
Mon Oct 01, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions on startng a 457b plan
Replies: 4
Views: 397

Re: Suggestions on startng a 457b plan

Edited post above for clarification of why 457b.
by tioscrooge
Mon Oct 01, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Please review our financial/investing plan. Are we on the right track?
Replies: 6
Views: 734

Re: Please review our financial/investing plan. Are we on the right track?

Her 403b does not have any low cost options - and that should not stop her from maximizing contributions. I am not sure that this is the best advice. A 1.5% ER is very expensive. I played around with the compounding, if you assume that your wife can save $1000/month for the next 30 years, and assum...
by tioscrooge
Mon Oct 01, 2018 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Please review our financial/investing plan. Are we on the right track?
Replies: 6
Views: 734

Re: Please review our financial/investing plan. Are we on the right track?

1. I would think that keeping it simple, for his 401k, her 403b and IRA/Roth IRA, with target date funds has many advantages and would not change. Her 403b does not have any low cost options - and that should not stop her from maximizing contributions. 2. Not unless her plan allows in-service rollov...
by tioscrooge
Sun Sep 30, 2018 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions on startng a 457b plan
Replies: 4
Views: 397

Suggestions on startng a 457b plan

I have come across posts (and google results) that suggest vendors who can help with plan documents and start up kit for small business 401k, solo 401k. (Vanguard, Schwab, Ascensus etc). Some of these vendors are free of charge (Vanguard for solo 401k) and some charge a reasonable small fee (195/yea...
by tioscrooge
Wed Sep 26, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: A comprehensive list of consumer reporting companies
Replies: 0
Views: 216

A comprehensive list of consumer reporting companies

https://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf Also, if you didn't notice, credit freezes are now free for all in all states. Courtesy of Krebs on Security blog: This booklet produced earlier this year by the Consumer Financial Protection Bureau (CFPB) lists...
by tioscrooge
Thu Sep 13, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11575

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

As others on this forum have said before - FI liberates you. My spouse and I reached FI a few years ago. My spouse decided to climb corporate ladder - knowing full well that she didn't have to / need to. If it ever stops being challenging and fun, she will retire. She is driven by challenges and the...
by tioscrooge
Thu Sep 13, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 6053

Re: Lab test prices - exasperating!

How do you find out the cash price ahead of time? And how do you know whether to run it through insurance? My hospital has a list like a Chinese menu. You can pick many combinations and a few appetizers. If it’s not listed, I ask the cost. The list is for the general public. I have some friends in ...
by tioscrooge
Tue Jul 17, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Know Your Investor Personality
Replies: 26
Views: 2906

Re: Larry Swedroe: Know Your Investor Personality

In my previous life, I was a fortune teller (seriously). I told people they were Martian, Mercurian, Jupitarian etc based on their personality traits, and of course made predictions. Due to the fact that I could only remember predictions that came true, I considered myself a good one :) In my profes...
by tioscrooge
Sun Jul 15, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3574

Re: Bounced check

I had heard Frank Abagnale (the real guy behind the movie "catch me if you can") at a talk he gave a few years ago. He advocated not writing checks if possible. He also said to not have overdraft protection. His point was that the rules and law is not as consumer friendly when one writes a check or ...
by tioscrooge
Tue Jun 26, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Garrett Planning Network experiences
Replies: 14
Views: 1576

Re: Garrett Planning Network experiences

I had good experience with Garrett Network in WA/OR state. Hourly fee model is difficult to sustain. My first financial planner gave me investment recommendations that were mostly Vanguard. The first time I went to him, he told me to save for downpayment for house, and then when I was done buying in...
by tioscrooge
Tue Jun 26, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Charity giving how much? How much do other retirees give?
Replies: 44
Views: 4239

Re: Charity giving how much? How much do other retirees give?

I remember reading in Millionaire next door, that the authors included $1 with their survey requests to millionaires and non-millionaires - the respondents could keep it or return with name of a charity to donate it to. The millionaires kept the dollar - saying I am my most favorite charity. :) I co...
by tioscrooge
Wed Apr 11, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff questions
Replies: 12
Views: 2547

Re: Mortgage payoff questions

When i requested a payoff amount - it was principal plus a sizeable interest and also valid till the end of the month. Instead of paying off that quoted amount, I paid off most of the principal and left only one dollar of principal. I requested the payoff amount again. All of a sudden all the inter...
by tioscrooge
Sun Apr 08, 2018 2:05 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff questions
Replies: 12
Views: 2547

Re: Mortgage payoff questions

When i requested a payoff amount - it was principal plus a sizeable interest and also valid till the end of the month. Instead of paying off that quoted amount, I paid off most of the principal and left only one dollar of principal. I requested the payoff amount again. All of a sudden all the intere...
by tioscrooge
Fri Oct 20, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Think I froze credit... any reason not to apply for credit to test?
Replies: 12
Views: 1773

Re: Think I froze credit... any reason not to apply for credit to test?

I have frozen credit for over a decade. I would apply for the store credit card when I was shopping at Macy or jc Penney - especially if they asked and offered additional 10-20% off. I could never open a new card. The credit freeze worked. Haven't checked in last year. I would suggest that you try t...
by tioscrooge
Wed Oct 04, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 393
Views: 69390

Re: Identity theft

That's a terrible situation. You need to lock everything down and definitely get a police report. Here is a thread I found on another message board, but I believe there is good information on identity theft here at Bogleheads: In light of the Equifax breech, and all of the various data leaks, as so...
by tioscrooge
Mon Sep 25, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 11454

Re: Where do you get your news?

The onion
Gomerblog.com
Comedy Central

These are my sources of "trusted" and "unbiased" news.

Rest is too political to pay attention to.
by tioscrooge
Thu Aug 10, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 156
Views: 25341

Re: What we know about robo advisors

Hedgeable: https://www.hedgeable.com/ They use a core satellite approach and dynamic allocation based on current market conditions. This sort of approach is typical of pension funds using hedge funds as satellites (hence the name). They are trying to create a private wealth type service that works ...
by tioscrooge
Wed Jul 26, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 43
Views: 4965

Re: Pay yourself first.

I believe in pay yourself first. Mental math certainly helps. And designating a savings acct as the pay yourself account has helped us. We are a two earner family - and ever since we got married we have lived on one salary and put the higher salary in a savings account. We periodically transfer the ...
by tioscrooge
Wed Jul 05, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Have you had this issue with Subaru Forester windshield replacement?
Replies: 29
Views: 8761

Re: Have you had this issue with Subaru Forester windshield replacement?

Conclusion: I found a glass replacement company that replaced OEM glass for $650. I enjoy driving my Subaru, always have. Just not inclined to replace glass so often. I followed up with my auto agent. My insurer offers $0 deductible glass insurance coverage (it was a rider, not part of standard poli...
by tioscrooge
Wed Jun 14, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Have you had this issue with Subaru Forester windshield replacement?
Replies: 29
Views: 8761

Re: Have you had this issue with Subaru Forester windshield replacement?

Thank you everyone for your reply and suggestions. I will check out subaruoutback.org I have comprehensive insurance, and my deductible is $1000. I will check my policy to see if the deductible does not apply to glass replacement (although I don't think I will get lucky..) Appreciate the mention tha...
by tioscrooge
Wed Jun 14, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Have you had this issue with Subaru Forester windshield replacement?
Replies: 29
Views: 8761

Have you had this issue with Subaru Forester windshield replacement?

Hello! I own a 2015 Subaru Forester 2015. It has eyesight feature. In the first week after the purchase, while driving a rock hit it and the windshield got cracked with a linear crack immediately. The crack grew rapidly and was soon more than a foot long. Compared to the other cars I have owned, the...
by tioscrooge
Fri Apr 07, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: Auto Accident File claim or not?
Replies: 19
Views: 1943

Re: Auto Accident File claim or not?

You absolutely need to file a claim in any rearending, especially as you were issued a ticket and it sounds like a significant accident (air-bag deployment). You are at-fault. There is a high likelihood you will be sued to extract a settlement. The insurance company is on your side and will be defe...
by tioscrooge
Fri Apr 07, 2017 7:10 am
Forum: Investing - Theory, News & General
Topic: Why cheaper index funds translate into lower future returns
Replies: 26
Views: 4943

Re: Why cheaper index funds translate into lower future returns

Markets are inherently inefficient. Acting on the inefficiency corrects it and makes it efficient. For example, if as a result of data crunching someone realized that Trading on Mondays instead of Tuesdays created excess return. If everyone acted on this information, the returns will disappear. I th...
by tioscrooge
Fri Apr 07, 2017 6:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 50732

Re: Your USER NAME...what does it mean?

Uncle Scrooge was taken, so went with tioscrooge.
He is the "God" of Thrift, and I am his thrifty "devotee" :happy
by tioscrooge
Fri Apr 07, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: How much did your roof cost?
Replies: 47
Views: 10449

Re: How much did your roof cost?

Just installed an aluminum roof, standing seam
on total 1800 sqft roof area.
Cost 12,500 plus tax.
by tioscrooge
Tue Sep 13, 2016 10:13 pm
Forum: Investing - Theory, News & General
Topic: Strategy to buy expensive house
Replies: 67
Views: 7983

Re: Strategy to buy expensive house

Perhaps you are looking for a mathematical solution to your quandry. What would the true cost be of owning your first home with a price of $250,000? Go to online calculators and find out the TOTAL interest you will pay through the term of the loan. Add the total interest to the total purchase price....
by tioscrooge
Tue Sep 13, 2016 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 8128

Re: Physician employment and fair salary and raises

I overlooked your comments - (No raises based on productivity. Bonuses are not transparent and supposedly based on profitability at the discretion of leadership. Base pay has gone down 10% in real dollars since being hired :( and - your comp is 33% below MGMA surveys. ) If both the above were true, ...
by tioscrooge
Tue Sep 13, 2016 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 8128

Re: Physician employment and fair salary and raises

AM: I suggest you post the compensation methodology. Your question is about getting raise or COLA adjustments. It all depends on your contract, and the compensation methodology outlined in it. Does everyone in your group have a different contract? Does your employer pay you by salary, shift, rVU, gu...
by tioscrooge
Wed Aug 17, 2016 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my old 401K?
Replies: 12
Views: 1184

Re: What to do with my old 401K?

A couple of thoughts. Asset protection is different in different states for IRA vs 401k. (e.g. 1M vs unlimited). I don't know if this is important to you. Rolling over to an IRA could affect your strategy of "free" backdoor Roth IRA. Rolling over to an IRA could reduce your costs, and increase your ...
by tioscrooge
Tue Jul 12, 2016 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Can you add traditional after-tax 401k to solo 401k?
Replies: 1
Views: 361

Can you add traditional after-tax 401k to solo 401k?

I am curious about combining a few 401k features, and don't know if any of bogleheads are doing this. Google 401k offers employee contribution, then 50% match, and then employee after-tax deferral. A google employee can defer $18,000 pre-tax (or Roth) and the company will match $9,000. Then the empl...
by tioscrooge
Sat Jun 18, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their owners title insurance?
Replies: 13
Views: 2485

Re: Who has needed to use their owners title insurance?

The previous owner of our house used title insurance twice. Once to defend the house enchroaching on neighbors property - a result of crude survey devices of old times, coupled with the fact that the original owners divided a large lot into two lots before he sold them. the another was to defend acc...
by tioscrooge
Sat Jun 18, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Costco - Executive vs. Gold Membership
Replies: 44
Views: 16886

Re: Costco - Executive vs. Gold Membership

We became executive members last year.
We have a non-Costco issueD credit card that has its own cash back program.
We now get 2% back from the card and another 2% from Costco on Costco purchases.
It works for us.
by tioscrooge
Sat Jun 18, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Do I want title insurance?
Replies: 38
Views: 2337

Re: Do I want title insurance?

It is your choice to not buy the title insurance. I would purchase it. I agree with the sentiment of the previous poster. The land was there before 2008. Old surveying tools were not accurate and when resurveyed, I know of a few stories where people lost or gained property. Someone we know had to de...
by tioscrooge
Sat Jun 11, 2016 9:59 am
Forum: Investing - Theory, News & General
Topic: What are your friends saying about you?
Replies: 127
Views: 15359

Re: What are your friends saying about you?

I / we save a lot. (We live on less than one salary and save / invest the rest)
I appreciate everyone's thoughts and philosophy of what you'D like your friends to think of you
I used to give an honest answer if someone asked me, but now I don't. I started doing so to prevent changes in relationships
by tioscrooge
Wed May 25, 2016 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Geico or State Farm - auto insurance
Replies: 19
Views: 2796

Re: Geico or State Farm - auto insurance

I am with MAPFRE - or AAA insurance formerly known as American commerce insurance company. When I bought a new house, my agent pointed out that everytime he hears State Farm, he suggests comparison shopping. I did that, and saved over $1500 home/auto/umbrella coverage per year by switching. MAPFRE o...