Search found 205 matches

by ebrasmus21
Thu Aug 09, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 39
Views: 2640

Re: $8712/year for insurance (auto, home, rental) How to reduce?

It's only going to get worse, you guys. Rates were too low for too long.
by ebrasmus21
Thu Aug 09, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 39
Views: 2640

Re: $8712/year for insurance (auto, home, rental) How to reduce?

It's only going to get worse, you guys. Rates were too low for too long.
by ebrasmus21
Tue Aug 07, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Coldness Pismo beach water
Replies: 24
Views: 1686

Re: if foggy go to Avila Beach

lot nicer weather and nicer beach.....about 10 minutes North like which one? Can you give the names? Shell Beach, Avila Beach, Sand Spit Beach, Morro Bay and Cayucos I would all rate higher than Pismo. Water is cold at all of them. They are all nice. Lots of good hiking around Spooners cove (Montan...
by ebrasmus21
Mon Aug 06, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: Where to Hold TIPS?
Replies: 20
Views: 1613

Re: Where to Hold TIPS?

Anyone hold TIPS in HSA?
by ebrasmus21
Mon Aug 06, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Coldness Pismo beach water
Replies: 24
Views: 1686

Re: if foggy go to Avila Beach

FB01 wrote:
Mon Aug 06, 2018 1:20 pm
Socrates28 wrote:
Mon Aug 06, 2018 1:13 pm
lot nicer weather and nicer beach.....about 10 minutes North
like which one? Can you give the names?
Shell Beach, Avila Beach, Sand Spit Beach, Morro Bay and Cayucos I would all rate higher than Pismo. Water is cold at all of them.
by ebrasmus21
Thu Aug 02, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - when does it make sense?
Replies: 37
Views: 3204

Re: HSA's - when does it make sense?

Treasury bonds are not taxed at the state level? Does this include the people's republic of California? This is a federal law; no state can tax interest on Treasury bonds. States do vary in how they handle mutual funds which include Treasury bonds. In most states, you may exclude that portion of th...
by ebrasmus21
Thu Aug 02, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - when does it make sense?
Replies: 37
Views: 3204

Re: HSA's - when does it make sense?

Once you are contributing enough to get your full employer's 401k match, then it's time to max out HSA's as an investment tool. You can't get any better tax treatment. I believe this is usually the right answer, especially when you have such good investment options in the HSA. The only exception I ...
by ebrasmus21
Thu Aug 02, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: weekender bag?
Replies: 30
Views: 2533

Re: weekender bag?

Frost River makes some high quality stuff (at least, as far as I'm concerned)
by ebrasmus21
Tue Jul 31, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 39
Views: 2640

Re: $8712/year for insurance (auto, home, rental) How to reduce?

CA has fires and earthquakes (which are excluded unless you buy EQ coverage).

Texas has fires, wind, hail, tornadoes, hurricanes, lightning. In other words, the weather (and weather related claims) are much more severe in Texas compared to CA. All this equals more expensive insurance.
by ebrasmus21
Thu Jul 26, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance
Replies: 11
Views: 1228

Re: Umbrella Insurance

Hi - Question regarding umbrella insurance... I currently have umbrella insurance (as I own several investment properties), and recently read that umbrella policies typically cover 4 properties. What do real estate investors do when thew own more than those number of properties? I.e. if I'm startin...
by ebrasmus21
Thu Jul 26, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance
Replies: 11
Views: 1228

Re: Umbrella Insurance

Find a respected independent insurance agency in your town/city and ask them to help.
by ebrasmus21
Wed Jul 25, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 3764

Re: negative comments about "Brazil nuts"

The negative reviews are a conspiracy to drive the cost down. :beer
by ebrasmus21
Mon Jul 23, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Good Job but "Plan B"???
Replies: 4
Views: 474

Re: Good Job but "Plan B"???

So, am I making something out of nothing or is it wise to always be thinking of what else is out there? Something else at play here? Bored? Underpaid? (you said make a decent paycheck, not awesome or rad or overpaid or top end of compensation). On surface you said a lot of positive things. Under su...
by ebrasmus21
Mon Jul 23, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Good Job but "Plan B"???
Replies: 4
Views: 474

Re: Good Job but "Plan B"???

So, am I making something out of nothing or is it wise to always be thinking of what else is out there? Something else at play here? Bored? Underpaid? (you said make a decent paycheck, not awesome or rad or overpaid or top end of compensation). On surface you said a lot of positive things. Under su...
by ebrasmus21
Mon Jul 23, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Good Job but "Plan B"???
Replies: 4
Views: 474

Re: Good Job but "Plan B"???

So, am I making something out of nothing or is it wise to always be thinking of what else is out there? Something else at play here? Bored? Underpaid? (you said make a decent paycheck, not awesome or rad or overpaid or top end of compensation). On surface you said a lot of positive things. Under su...
by ebrasmus21
Mon Jul 23, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Good Job but "Plan B"???
Replies: 4
Views: 474

Good Job but "Plan B"???

Bogleheads - I currently have a good job (one that I like and make a decent paycheck). There seems to be some opportunity for growth here as well and I generally like my co-workers and bosses. The thing is I can't help but feel like I should have a "plan b" -- has anyone else experienced this? I fin...
by ebrasmus21
Thu Jul 19, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 5085

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

mak1277 wrote:
Thu Jul 19, 2018 1:03 pm
Am I the only one interested in what watches are in the collection? :)
Me too!
by ebrasmus21
Sat Jul 14, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 9521

Re: What rate of return are you using for retirement projections?

Tycoon wrote:
Fri Jul 13, 2018 6:41 pm
ebrasmus21 wrote:
Fri Jul 13, 2018 4:55 pm
The is one of the most depressing threads I've seen on this board [which is saying something].
Don't fret, everything is going to be all right. :beer
I'll try not to worry; just hoping the pessimists are wrong :)
by ebrasmus21
Fri Jul 13, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 9521

Re: What rate of return are you using for retirement projections?

The is one of the most depressing threads I've seen on this board [which is saying something].
by ebrasmus21
Mon Jul 09, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Two or Three Day Golf Clinics?
Replies: 21
Views: 1648

Re: Two or Three Day Golf Clinics?

https://rebelliongolf.com No personal experience but read nothing but amazing reviews from players of all ability levels about Monte. You can watch his YouTube videos to see if he is your style. He is based in so cal and travels the country giving 3 day clinics around his schedule of trying to qual...
by ebrasmus21
Thu Jun 28, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy-how much liability coverage
Replies: 30
Views: 2289

Re: Umbrella policy-how much liability coverage

As I understand it, your umbrella should be enough to cover your net worth. I would round up some. If someone sues you and wins, they are only going to get what you have which is your net worth. The umbrella provides insurance should this occur. Umbrella coverage in excess of your net worth is wast...
by ebrasmus21
Thu Jun 28, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy-how much liability coverage
Replies: 30
Views: 2289

Re: Umbrella policy-how much liability coverage

I believe the business was run as a corporation. Yes, they went bankrupt as estimates on damages was well over $50M. I'm not necessarily saying one strategy is better than the other or one perspective is better than the other. I'm just offering a different perspective. Businesses tend to try to tra...
by ebrasmus21
Thu Jun 28, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy-how much liability coverage
Replies: 30
Views: 2289

Re: Umbrella policy-how much liability coverage

As I understand it, your umbrella should be enough to cover your net worth. I would round up some. If someone sues you and wins, they are only going to get what you have which is your net worth. The umbrella provides insurance should this occur. Umbrella coverage in excess of your net worth is wast...
by ebrasmus21
Wed Jun 27, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy-how much liability coverage
Replies: 30
Views: 2289

Re: Umbrella policy-how much liability coverage

As I understand it, your umbrella should be enough to cover your net worth. I would round up some. If someone sues you and wins, they are only going to get what you have which is your net worth. The umbrella provides insurance should this occur. Umbrella coverage in excess of your net worth is wast...
by ebrasmus21
Wed Jun 27, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6821

Re: Umbrella Policy: Right amount for $7 mil net worth?

What you are buying is the insurance company's A-team lawyers. If you cannot get the company's attention with say a $1 million policy why do you think you will get more attention for $5 or $7 million? Some Googling turns up: Top lawyers bill $1,500 an hour (as of 2016, so maybe even higher now). So...
by ebrasmus21
Tue Jun 05, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Safeco Auto Insurance
Replies: 12
Views: 1138

Re: Safeco Auto Insurance

Safeco is as reputable personal insurance carrier as you'll find.
by ebrasmus21
Mon Jun 04, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Two Articles On Reinsurance
Replies: 41
Views: 3431

Re: Larry Swedroe: Two Articles On Reinsurance

Just to correct a few misconceptions First, there have been claims that Stone Ridge is a bunch of people who have only derivatives experience not "real" experience working with real reinsurers. Amazing to me that there are people on this site who often make claims as facts when they have no clue wh...
by ebrasmus21
Fri Jun 01, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance rates increasing?
Replies: 9
Views: 707

Re: Insurance rates increasing?

What state do you live in?
by ebrasmus21
Thu May 31, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 51206

Re: What's the ideal safe retirement net worth target?

I've been thinking about this question for a few days now, and it seems to me that the number would depend upon one's family size, relative ages, and whether health insurance is provided or is something that the individual(s) must purchase on their own. So, for example, for a family of two who are ...
by ebrasmus21
Thu May 31, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 51206

Re: What's the ideal safe retirement net worth target?

I've been thinking about this question for a few days now, and it seems to me that the number would depend upon one's family size, relative ages, and whether health insurance is provided or is something that the individual(s) must purchase on their own. So, for example, for a family of two who are ...
by ebrasmus21
Thu May 31, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 51206

Re: What's the ideal safe retirement net worth target?

I've been thinking about this question for a few days now, and it seems to me that the number would depend upon one's family size, relative ages, and whether health insurance is provided or is something that the individual(s) must purchase on their own. So, for example, for a family of two who are ...
by ebrasmus21
Wed May 30, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12958

Re: Have $3m at 33, "approach to career" advice needed

First thing I thought after reading your post: what's your passion?

If you plan on using your assets + your wife's salary to cover expenses maybe you could do just go ahead and do something your passionate about.
by ebrasmus21
Thu May 24, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 190
Views: 22221

Re: High End Wrist Watches (Gone Crazy)

I'm kind of surprised this thread has lasted as long as it has without the anti-mechanical watch crowd burying the entire conversation.

Corn - you had a seriously nice collection going there with the JLC's, ALS's, IWC's and Rolex's - very nice!
by ebrasmus21
Tue May 15, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 319
Views: 26570

Re: Lucrative careers?

Speech Language Pathologist Occupational Therapist Physical Therapist I have been an SLP for 23 years, and I have never know a therapist who couldn't get a job within a week. The hardest interview question I've ever been asked is "how soon can you start and how much do you want?" Seriously. My brot...
by ebrasmus21
Thu May 10, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Asking Clients for Career Advice
Replies: 5
Views: 1025

Re: Asking Clients for Career Advice

I'm an older millennial, and I've spent 11 years in the insurance industry on the carrier side. If you're good at selling, there is money to be made. However, many carriers are squeezing commissions. I'd suggest looking at commercial lines and joining an agency with a niche market. What you don't w...
by ebrasmus21
Wed May 09, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Asking Clients for Career Advice
Replies: 5
Views: 1025

Re: Asking Clients for Career Advice

Wisdom people, share your wisdom.
by ebrasmus21
Wed May 09, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Asking Clients for Career Advice
Replies: 5
Views: 1025

Re: Asking Clients for Career Advice

I understand your hesitation, but I think you could get at it from a slightly different angle. As you get to know the clients, ask them what initially appealed to them about their industry/company, what the keys are to becoming successful in their roles, what advice they'd give to someone starting ...
by ebrasmus21
Wed May 09, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Asking Clients for Career Advice
Replies: 5
Views: 1025

Asking Clients for Career Advice

I work for a membership organization within the insurance industry. Our clients are independent insurance agencies. My role is primarily business development, that is, I go out and find us new clients. I've given a certain amount of thought to switching sides and working for an independent agency as...
by ebrasmus21
Thu Apr 26, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 11707

Re: Larry Swedroe: Financial Perils Of Old Age

When you look at the not-so-distant past, those who weren't able to care for themselves in old age were largely cared for by family members if they were around. When my mother was young, her grandfather lived with them for several years before he passed away. That was just the norm back then. Even ...
by ebrasmus21
Thu Apr 26, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 11707

Re: Larry Swedroe: Financial Perils Of Old Age

jhfenton wrote:
Wed Apr 25, 2018 10:23 am
goblue100 wrote:
Wed Apr 25, 2018 9:38 am
Take care of yourselves.
Forget planning to die young. My goal is to be the first centenarian to run a marathon. :beer (You can't tell, but that's a toasting-with-green-tea emoji, not the usual beer emoji.)
Better make that matcha green tea.
by ebrasmus21
Fri Mar 02, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 40
Views: 4450

Re: Portfolio Help Please!

You mention that you actually use your HSA to pay for medical expenses -- I'd keep it in cash. (In fact, I do keep our HSA in cash, and we also use it for medical expenses.) Thanks Twstd - I'm most comfortable with cash as well. My wife and I are healthy and don't tend to use the HSA all that much....
by ebrasmus21
Fri Mar 02, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 40
Views: 4450

Re: Portfolio Help Please!

Bump, just looking for a little guidance on the HSA. Thanks so much everyone :)
by ebrasmus21
Thu Mar 01, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 40
Views: 4450

Re: Portfolio Help Please!

OP updated with question on HSA. Looking for advice - thank you all.
by ebrasmus21
Thu Feb 22, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 773
Views: 82927

Re: Netflix, Your Current Favorite Show

Altered Carbon. Pretty good so far. Blade runner sci fi. I'm interested in giving this a shot. Looks interesting. Haven't read in the thread but for those of you who tried watching the first episode of Black Mirror and gave up on it (because of episode 1) -- go back and continue watching. Great ant...
by ebrasmus21
Sun Feb 18, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 773
Views: 82927

Re: Netflix, Your Current Favorite Show

Altered Carbon. Pretty good so far. Blade runner sci fi. I'm interested in giving this a shot. Looks interesting. Haven't read in the thread but for those of you who tried watching the first episode of Black Mirror and gave up on it (because of episode 1) -- go back and continue watching. Great ant...
by ebrasmus21
Thu Feb 15, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 773
Views: 82927

Re: Netflix, Your Current Favorite Show

Haven't read in the thread but for those of you who tried watching the first episode of Black Mirror and gave up on it (because of episode 1) -- go back and continue watching. Great anthology!! Definitely. The first episode was perhaps the most graphically shocking (my wife gave up on the show afte...
by ebrasmus21
Sat Feb 03, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 773
Views: 82927

Re: Netflix, Your Current Favorite Show

Altered Carbon. Pretty good so far. Blade runner sci fi. I'm interested in giving this a shot. Looks interesting. Haven't read in the thread but for those of you who tried watching the first episode of Black Mirror and gave up on it (because of episode 1) -- go back and continue watching. Great ant...
by ebrasmus21
Tue Jan 30, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: The biggest problem in retirement is spending (not)
Replies: 118
Views: 11555

Re: The biggest problem in retirement is spending (not)

Horse business. Annuitizing a portion of your portfolio at retirement is actually a strategy which allows one to preserve their remaining portfolio rather nicely, without needing to draw it down for routine expenses. So it's possible to have decently high retirement income along with a growing port...
by ebrasmus21
Mon Jan 29, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: The biggest problem in retirement is spending (not)
Replies: 118
Views: 11555

Re: The biggest problem in retirement is spending (not)

... Others may feel the need to hold on to wealth as a form of self-insurance instead of acquiring an annuity to deal with a number of life’s uncertainties, such as longevity risk... Horse business. Annuitizing a portion of your portfolio at retirement is actually a strategy which allows one to pre...
by ebrasmus21
Mon Jan 22, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3654
Views: 1038336

Re: What Movie Have You Recently Watched?

Darkest Hour - great movie. Couldn't imagine the stress and fear and uncertainty of what Britain was up against at that point in the war. Molly's Game - pretty amazing story. Really enjoyed the story and the acting was great. Jessica isn't exactly tough on the eyes either. Saw this past Wednesday. ...