Search found 162 matches

by ebrasmus21
Thu Feb 22, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 398
Views: 44123

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: Netflix, Your Current Favorite Show
Replies: 398
Views: 44123

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: Netflix, Your Current Favorite Show
Replies: 398
Views: 44123

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: Netflix, Your Current Favorite Show
Replies: 398
Views: 44123

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: 10269

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: 10269

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: 3358
Views: 963936

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: 3358
Views: 963936

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: 1669

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: 3358
Views: 963936

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: 96
Views: 10979

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: 1397

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: 1397

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: 4623

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: 3393

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: 3049

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: 1377

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: 1377

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: 1377

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: 1377

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: 966

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: 966

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: 1036

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: 1036

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: 1900

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: 1900

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: 1900

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: 1900

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: 6579

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: 6579

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...
by ebrasmus21
Sun Nov 05, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads philosophy invades the NFL
Replies: 7
Views: 1081

Re: Bogleheads philosophy invades the NFL

lostdog wrote:
Sun Nov 05, 2017 12:40 pm
I posted an article similar to this in the past and it got locked.
Why did it get locked?
by ebrasmus21
Tue Oct 31, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Identifying failure cycles in FIRECalc
Replies: 6
Views: 906

Re: Identifying failure cycles in FIRECalc

I can't answer that question but I'd also like to know. I've been trying to use FIREcalc running scenarios even though I'm 30+ years out from retirement. I think maybe I don't fully understand how to run the simulations yet because I basically get a 100% success rate unless I run a preposterous simu...
by ebrasmus21
Mon Oct 30, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 10499

Re: we bought a house - are we housepoor now?

... A train wreck I cannot look away from.
by ebrasmus21
Mon Oct 30, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 10499

Re: we bought a house - are we housepoor now?

What a fascinating thread. I'm getting the feeling OP wishes he/she didn't ever start this topic.
by ebrasmus21
Fri Oct 27, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1066
Views: 260793

Re: Best watch for around $5,000?

"He who does not have his Rolex by the Age of 50 id a Failure." Wow, good for me, just made it at 50 when in 1990 I bought a Rolex at Itewon in Seoul for $25. I used to play golf with a retired jewelry store owner. He said the "cheaper" Rolex's were called, "Faulex". :shock: My most expensive watch...
by ebrasmus21
Fri Oct 27, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1066
Views: 260793

Re: Best watch for around $5,000?

Jack's Rolex will certainly go for a healthy sum but me thinks not $17M+

https://www.hodinkee.com/videos/talking ... k-nicklaus
by ebrasmus21
Fri Oct 27, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Products
Replies: 15
Views: 1413

Re: First Time Home Buyer Products

Yes, there are "innovative" loan products for first time buyers. 0-3% down mortgages come to mind. Generally I don't like the first time buyer programs because they bring marginal buyers into the market who stretch too far to be a "home owner". When we start seeing goofy new "innovative" loans to h...
by ebrasmus21
Fri Oct 27, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2732

Re: Going to SF, Yosemite and Sacramento

I agree with Carefree - weather permitting the hike up to Nevada Falls is glorious. Depending on fitness levels it takes a good couple hours up to the top with a good chunk of that distance being granite step after granite step. Be prepared to climb a few flights of stairs. It's really an incredible...
by ebrasmus21
Thu Oct 26, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Products
Replies: 15
Views: 1413

Re: First Time Home Buyer Products

gougou wrote:
Thu Oct 26, 2017 2:54 pm
10% down, 80% first mortgage and 10% second mortgage to avoid mortgage insurance? I know one of my friend did this.
That's a thing people do, huh? How did it work out for him?
by ebrasmus21
Thu Oct 26, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Products
Replies: 15
Views: 1413

Re: First Time Home Buyer Products

Are there any new and exciting products on the market for first-time home buyers? Houses! The first question is why do you feel you need something besides a conventional loan? Hi Mega317 - Don't necessarily think I need something different. I was more so curious if there were/are any new products t...
by ebrasmus21
Thu Oct 26, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Products
Replies: 15
Views: 1413

First Time Home Buyer Products

Are there any new and exciting products on the market for first-time home buyers? I'm familiar with many of the products available in the general mortgage industry but I was just curious if any Bogleheads were aware or had favorable views regarding *first-time* products. Thanks!
by ebrasmus21
Thu Oct 05, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5905

Re: Anyone go 100% Ally or another online bank for all banking needs?

Ally for high-interest savings (emergency fund), USAA for all other banking. I've never had a brick-and-mortar bank. My first bank was USAA and I used to do all my banking by mail before everything went online and it got a lot easier. I've never needed a physical bank once in 25 years of banking. B...
by ebrasmus21
Wed Oct 04, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: First time home buyer - gut check
Replies: 26
Views: 2560

Re: First time home buyer - gut check

I'd do whatever it takes to get that 20% down payment. It's an option for you, some will never afford, but you most certainly can. Better APR, no PMI, and more equity if you need/want to move. +1 If you have PMI, about 3 months after you buy, you will be posting a thread named "Help, how do I get r...
by ebrasmus21
Tue Oct 03, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: General Financial Planning Philosophy
Replies: 11
Views: 1464

Re: General Financial Planning Philosophy

Thank you to everyone that has responded. I appreciate the thoughts, ideas and wisdom that's shared on this forum everyday.
by ebrasmus21
Mon Oct 02, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: General Financial Planning Philosophy
Replies: 11
Views: 1464

Re: General Financial Planning Philosophy

The vast majority of people in the U.S. who have children don't have any life insurance. There are also a lot of single parents. $250k is not an insignificant amount of life insurance for one or even two children, especially if there are other assets and a spouse who could work. Do you and your wif...
by ebrasmus21
Mon Oct 02, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: General Financial Planning Philosophy
Replies: 11
Views: 1464

Re: General Financial Planning Philosophy

As a 40 year survivor of Hodgkin's Lymphoma, I understand your dilemma. Getting out from under the sword of Damocles is a tough survivor mental health problem. DW is also a working professional. This implies the 250K life policy does not need to replace your earning ability. It does need to lessen ...
by ebrasmus21
Mon Oct 02, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: General Financial Planning Philosophy
Replies: 11
Views: 1464

General Financial Planning Philosophy

I'd like to ask for some opinions/guidance regarding "big picture" financial planning for me the DW. We are both 30 and working professionals. Well, the DW got laid off and is currently applying for new positions. For 2016 we were in the 25% tax bracket. Right now saving in tIRA + 401k + HSA with th...
by ebrasmus21
Mon Oct 02, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: Pension shortfalls and changes in Muni bond allocation?
Replies: 14
Views: 1870

Re: Pension shortfalls and changes in Muni bond allocation?

Is there one over-arching error all these pension funds made that got us here today? How come the pension funds aren't fat and happy like so many of the BH here in lieu of the last ten years? I understand that a pension fund and an individual are massively different but could you *explain like I'm ...