Search found 180 matches

by ebrasmus21
Tue Jun 05, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Safeco Auto Insurance
Replies: 12
Views: 1058

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: 3278

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: 674

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: 49545

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: 49545

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: 49545

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: 12409

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: 21580

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: 318
Views: 24205

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: 978

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: 978

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: 978

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: 978

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: 11146

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: 11146

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: 4372

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: 4372

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: 4372

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: 694
Views: 75028

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: 694
Views: 75028

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: 694
Views: 75028

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: 694
Views: 75028

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: 11274

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: 11274

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: 3573
Views: 1018931

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. ...
by ebrasmus21
Mon Jan 22, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018931

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. ...
by ebrasmus21
Thu Jan 18, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?
Replies: 30
Views: 3575

Re: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?

I've been pleased overall with empower. I called to speak to a rep one day and it was easy, the rep helped me no problem. My company has a number of low cost investment options as well. My 401k has a low balance but as far as I can tell my total for all fees in 2017 was less than 10 dollars. I haven...
by ebrasmus21
Thu Jan 18, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018931

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.
by ebrasmus21
Wed Jan 17, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 111
Views: 15170

Re: 70% chance of correction according to Vanguard - Highest in 15 years

It's tempting to try a little 'timing' right now :twisted:

(surely I'm not the only one)
by ebrasmus21
Sun Dec 31, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Curiosity: Blackrock
Replies: 18
Views: 1677

Re: Curiosity: Blackrock

Very interesting replies, thanks for the information everyone.
by ebrasmus21
Sun Dec 31, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Curiosity: Blackrock
Replies: 18
Views: 1677

Curiosity: Blackrock

Does the boglehead world have any love for Blackrock? It seems the vast majority of firms that are discussed and recommended on this forum are Fidelity and Vanguard - why is that? I also have almost all of my investments in either Vanguard or Fidelity but being that Blackrock is a huge house as well...
by ebrasmus21
Sat Dec 30, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Target Net Worth
Replies: 39
Views: 5016

Re: Target Net Worth

Don't really know yet. Just working on saving 25% or more of income at this time.
by ebrasmus21
Thu Dec 28, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 3974

Re: Hyundai quality and reliability

2016 Sonata Limited here. Couldn't be happier. Also, my first job out of college was with enterprise-rent-a-car and we had Hyundai coming out our ears. They are great cars and while I was at enterprise we had few problems when compared to other manufactures.
by ebrasmus21
Tue Dec 26, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 3899

Re: Statefarm Auto Insurance goes up every 6 months without reason?

Many, many insurance carriers are taking significant rate increases with respect to auto insurance. A lot of the big insurance carriers out there are not making a profit right now from auto insurance because claims and the cost of claims are on the rise. The rates the carriers filed several years ag...
by ebrasmus21
Wed Dec 20, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance - Personal Property/etc - why?
Replies: 22
Views: 1573

Re: Home Insurance - Personal Property/etc - why?

I guess I question why you don't think the home's contents are worth insuring. Have you shopped for new appliances lately? [...] As I mention in the OP, my wife and I *always* self-insure when we can. We never take an extended warranty or anything like that. Why would we make an exception for perso...
by ebrasmus21
Wed Dec 20, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Home Insurance - Personal Property/etc - why?
Replies: 22
Views: 1573

Re: Home Insurance - Personal Property/etc - why?

You could drop your coverage limit for personal property (or at least you *should* have that option). I think you'll find premiums won't go down that much even if you do reduce coverage. Unless, of course, you are a well-healed boglehead and have a considerable dwelling. If that's the case more pow...
by ebrasmus21
Tue Dec 19, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance - Personal Property/etc - why?
Replies: 22
Views: 1573

Re: Home Insurance - Personal Property/etc - why?

If the carrier won't allow those coverages to be reduced then that's a shame. The carrier I used to work for did. The only other thing I could say is that there are hundreds, if not thousands, of Californians that I'm sure are glad they have coverage adequate limits for Coverage A,B,C and D. I've ne...
by ebrasmus21
Tue Dec 19, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance - Personal Property/etc - why?
Replies: 22
Views: 1573

Re: Home Insurance - Personal Property/etc - why?

"other structures" would include pools, fences, detached garages - stuff like that. You said you don't have any other structures but I just wanted to make sure you were including things you might not consider a structure. You could drop your coverage limit for personal property (or at least you *sho...
by ebrasmus21
Sun Dec 17, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - Californians
Replies: 13
Views: 1095

Re: HSA - Californians

I'm in California, invest all my HSA money and pay out of pocket for medical expenses. True California has a less advantageous HSA situation but it's still tax advantaged federally. We plan to continue contributing to the HSA because it of the federal advantage. You pay out of pocket, if I want to ...
by ebrasmus21
Sun Dec 17, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - Californians
Replies: 13
Views: 1095

HSA - Californians

Hello fellow CA Bogleheads - Through my employer I save in a HealthEquity HSA. I see that the state of CA does not look as favorably on HSA's as the Feds or other states do regarding taxation. To my fellow Californians are you investing in any funds via your HSA or keeping it in cash? We have 10K in...
by ebrasmus21
Mon Nov 27, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid tax on Roth earnings
Replies: 9
Views: 1103

Re: Avoid tax on Roth earnings

FiveK and LeeMKE - thank you both for your replies. I'm learning all the time being on this board :sharebeer :moneybag
by ebrasmus21
Mon Nov 27, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid tax on Roth earnings
Replies: 9
Views: 1103

Re: Avoid tax on Roth earnings

In 2018, I expect to drop into the 15% marginal bracket and return to 25% (no tax law change assumed) in 2020 due to RMDs and increased SS income. I'm planning to convert funds up to the top of the 15% bracket in 2018 & 2019. Please assume that there's no chance that I will want to re-characterize ...
by ebrasmus21
Sun Nov 26, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Future Growth Projection
Replies: 15
Views: 2017

Re: Jack Bogle's Future Growth Projection

That's going to really suck if Jack ends up being right. If you look hard enough you can find him making these same predictions year after year since after the crash in 2008. Jack is a great man but when it comes to predicting the stock market future he is about as right as a broken watch. Warren B...
by ebrasmus21
Sun Nov 26, 2017 4:27 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Future Growth Projection
Replies: 15
Views: 2017

Re: Jack Bogle's Future Growth Projection

That's going to really suck if Jack ends up being right. This is why many of us are increasing our allocations to International stocks. Future expected returns there are higher, particularly for emerging markets. Hopefully my 401K will get a good international fund option soon. In my tIRA I'm using...
by ebrasmus21
Wed Nov 22, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Future Growth Projection
Replies: 15
Views: 2017

Re: Jack Bogle's Future Growth Projection

That's going to really suck if Jack ends up being right. A few percentage a year above bonds is a reasonable equity risk premium, maybe even more given volatility these days. Any positive return would be nice. Many actually (and not the permabears) are more pessimistic. In any case, the actual outc...
by ebrasmus21
Wed Nov 22, 2017 12:08 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Future Growth Projection
Replies: 15
Views: 2017

Re: Jack Bogle's Future Growth Projection

That's going to really suck if Jack ends up being right.
by ebrasmus21
Thu Nov 09, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 94
Views: 7032

Re: Interviewing at a former employer, should I give them my current salary when they ask?

It's a straightforward question. Just answer it, and make your compensation expectations clear. Dancing around this just makes you look bad. It's a straightforward question but I think its seldom asked with benefiting the interviewee in mind (this may have been addressed in the thread already so my...
by ebrasmus21
Thu Nov 09, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 94
Views: 7032

Re: Interviewing at a former employer, should I give them my current salary when they ask?

I've been in my current position for two years now. While going through the interview process my boss asked me for my salary requirements . I gave him my answer and asked if the position budgeted for the amount I named (which it did since I'm here). Later on, after several interviews I was asked for...