Search found 192 matches

by Cobra Commander
Tue Jan 21, 2020 11:04 am
Forum: Personal Finance (Not Investing)
Topic: to pre-nup or not?
Replies: 133
Views: 11120

Re: to pre-nup or not?

I would disregard almost all of the "legal advice" mentioned above. For a forum with a lot of smart people Bogleheads really seem to blow it when it comes to legal matters or at least fail to appreciate the nuances of 50 different states with different laws. First, since you said you are moving to V...
by Cobra Commander
Wed Dec 11, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Interview - 2nd Round - Some Questions
Replies: 16
Views: 1860

Re: Fed Interview - 2nd Round - Some Questions

1. At my agency you can get credit towards leave accrual based upon having equivalent experience (i.e. 3 years). We have a specific policy that permits this, not sure if VA has the same or not but could possibly be found via Google. 2. The pay raise (to the extent there is one) will be effective as ...
by Cobra Commander
Mon Nov 25, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: We have a prenup, now buying a house.
Replies: 117
Views: 7425

Re: We have a prenup, now buying a house.

I think either I, or substantially all of the other posters, have misinterpreted the actual agreement that you guys have. It sounds like your prenupt covers both pre and post-marital assets (i.e. your statement that "Hers is hers, mine is mine; going forward she prioritizes retirement accounts and s...
by Cobra Commander
Thu Nov 21, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: What does "get back on my feet" mean?
Replies: 84
Views: 7814

Re: What does "get back on my feet" mean?

Probably not going to happen anytime in the near future or possibly your lifetime if he is making a career change to be an RE agent. I mean, it takes time to build up clients and consistently earn commissions to support his own family which is probably a higher priority than his MIL (your sister). C...
by Cobra Commander
Thu Nov 21, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Buyer's agent commission refunds: Hungry Agents, Redfin, others?
Replies: 17
Views: 2284

Re: Buyer's agent commission refunds: Hungry Agents, Redfin, others?

We used a company called iagent that may or may not still be in existence and got a 2% rebate on the buyers commission. We knew the area very well and had been to a lot of open houses in a targeted area so we had a very good idea of pricing relative to the condition of the house. The agent received ...
by Cobra Commander
Thu Nov 21, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

Your pension & social security will give you more in retirement spending power than you currently have assuming a paid off home. Take out daycare, 529s, savings, and mortgage payments - how much are you really spending? Also, I used to work for the Feds in financial services, and I got a big raise ...
by Cobra Commander
Thu Nov 21, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

I would say that you are pretty much golden. No one knows what the future holds, but you two have pretty healthy incomes and healthy savings for your age. If you stop savings, and get an average return of 7%, your nest egg will grow to about 2.8 mil in 20 years. I am not a fan of how high your mort...
by Cobra Commander
Thu Nov 21, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

Ok, i'll bite. Here is my wild guess (almost certainly going to be wrong). Assume 70k per year retirement savings, salary growth on par with inflation and I'd guess 3.5 million real by age 62 assuming moderately aggressive portfolio and you both retire then. Any earlier than 62 with FERS and you ju...
by Cobra Commander
Thu Nov 21, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

How much are you saving monthly or annually? You can plug your numbers in here to get a range of probably outcomes. https://www.portfoliovisualizer.com/ Also worth reading if you haven't already: https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ Plugging...
by Cobra Commander
Wed Nov 20, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

How much are you saving monthly or annually? You can plug your numbers in here to get a range of probably outcomes. https://www.portfoliovisualizer.com/ Also worth reading if you haven't already: https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ Plugging...
by Cobra Commander
Wed Nov 20, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

How much are you saving monthly or annually? You can plug your numbers in here to get a range of probably outcomes. https://www.portfoliovisualizer.com/ Also worth reading if you haven't already: https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ Plugging...
by Cobra Commander
Wed Nov 20, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

I don’t think the expenses rule works well when you are raising two kids in a HCOL area. I spend over $6k a month on college savings and childcare. I will not have any of these expenses in retirement. In fact I won’t have most of my expenses. Over 85% of my income is spent on childcare, taxes, 529 ...
by Cobra Commander
Wed Nov 20, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

If we flip it around, how do you think you are doing? Are you both overworked, stressed, running around barely getting by? Or are you thriving, low stress and feel like you have plenty of family time? Big salaries, big house, big daycare, big mortgage, 2 full careers, 2 small kids, good savings rat...
by Cobra Commander
Wed Nov 20, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

Are you in a state like Virginia with public universities? I ask because while your retirement looks fine, the 529s are low unless you have access to public universities. If you have to send kids out of state or private it’s closer to $1,200 per month per kid in a 529. Yes, we're in VA and plan to ...
by Cobra Commander
Wed Nov 20, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

I would say that you are pretty much golden. No one knows what the future holds, but you two have pretty healthy incomes and healthy savings for your age. If you stop savings, and get an average return of 7%, your nest egg will grow to about 2.8 mil in 20 years. I am not a fan of how high your mort...
by Cobra Commander
Wed Nov 20, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

If we flip it around, how do you think you are doing? Are you both overworked, stressed, running around barely getting by? Or are you thriving, low stress and feel like you have plenty of family time? Big salaries, big house, big daycare, big mortgage, 2 full careers, 2 small kids, good savings rat...
by Cobra Commander
Wed Nov 20, 2019 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee (Spouse) - Planning for Baby
Replies: 7
Views: 952

Re: Federal Employee (Spouse) - Planning for Baby

I have BCBS basic and my total cost for the delivery in 2018 was $175. With zero premiums, $3K employer contribution and $6K out of pocket max it's going to be a close call on which policy to go with. If you keep your current policy try to have the baby in the early part of the year so you're alread...
by Cobra Commander
Wed Nov 20, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

Re: What does my financial future look like?

Thesaints wrote:
Wed Nov 20, 2019 1:38 pm
Daycare: 2.3k (1.5k for 2 kids) ?
I told you my math was bad :) It's 1,150 per kid. I will fix that.
by Cobra Commander
Wed Nov 20, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: What does my financial future look like?
Replies: 36
Views: 2897

What does my financial future look like?

I was hoping to get some insight from the group about what my financial future will look like. I understand the general concepts that apply here (investment growth, inflation, etc.) but have difficulty applying the math to my situation so I was hoping others could help and tell me what my financial ...
by Cobra Commander
Wed Nov 06, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of Leaving Biglaw (current midlevel) - Things to Consider
Replies: 13
Views: 3040

Re: Thinking of Leaving Biglaw (current midlevel) - Things to Consider

I would start looking at job postings for in-house counsel jobs in your practice area and make sure you have all of the skills they are looking for and, if not, try to obtain work that would allow you to build those skill sets. Ideally you would have done this in your first year at the firm. At leas...
by Cobra Commander
Fri Oct 18, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Workers Prep for Budget Delays
Replies: 18
Views: 2285

Re: Fed Workers Prep for Budget Delays

I think the major concern for you will be childcare arrangements if you are deemed essential. Perhaps one of the trusted daycare workers can watch your children at your house.
by Cobra Commander
Fri Oct 18, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 106
Views: 15806

Re: I bought a STOLEN vehicle!!!

I'm sure CHP has software to recover data if they are interested in finding the seller. One would hope so...

Also, always good to make sure the names on the title, registration and drivers license match. This is a good way to avoid curbstoners too.
by Cobra Commander
Sun Oct 13, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 55
Views: 5298

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

Did you have a home inspection and report before negotiating the defects to be repaired? Is the lining mentioned there? Was there a final walk-through before closing? Yes, full inspection. Inspection mentions that the flu needed to be inspected and repaired and the seller agreed to do it.The chimne...
by Cobra Commander
Tue Oct 08, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: FERS credit for Active reserve time
Replies: 23
Views: 2673

Re: FERS credit for Active reserve time

I posted this question on another site and Tammy Flanagan who writes for GovExec about retirement benefits responded with the following so I thought I would share it for the benefit of the rest of the folks here. In order to count active duty for training and other creditable periods of active duty...
by Cobra Commander
Wed Sep 25, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the best credit card promotion?
Replies: 47
Views: 4020

Re: How to find the best credit card promotion?

Am I missing something on the Citi cash to TYP conversion? So I take what can be $100 cash to my checking account and turn it into TYP that I can now use to buy $100 in gift cards? How is this at all an advantage? I have another card that gives me TYPs and it's sort of a pain because I have to have...
by Cobra Commander
Fri Sep 20, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: FERS credit for Active reserve time
Replies: 23
Views: 2673

Re: FERS credit for Active reserve time

I posted this question on another site and Tammy Flanagan who writes for GovExec about retirement benefits responded with the following so I thought I would share it for the benefit of the rest of the folks here. In order to count active duty for training and other creditable periods of active duty ...
by Cobra Commander
Sun Aug 11, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How should my Spouse and I handle a $300,000 Settlement?
Replies: 119
Views: 7517

Re: How should my Spouse and I handle a $300,000 Settlement?

Doesn't look like anyone asked but can you split up the settlement into two payments, half now and half in January 2020?

EDIT: I see you said received so presumably she already got the money. If so, disregard but pay off high interest auto loan asap.
by Cobra Commander
Thu Jul 11, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance - over insured
Replies: 9
Views: 1092

Re: Home insurance - over insured

I have this situation as well. They want to insure my house for the entire purchase price but I live in a HCOL area and the land is certainly a significant portion of the value of the house. I doubt it would cost more than $500K to rebuild the entire house and they want me to insure it for $800K.
by Cobra Commander
Thu Jul 11, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: How Much Home Can I Afford?
Replies: 18
Views: 1703

Re: How Much Home Can I Afford?

What does the rest of your budget look like? Excluding your bonus, $2.4K extra per month seems like it could get tight. What about food, utilities (electric, water, cable), vacation, dates and don't forget home repairs, possibly gas and car insurance too, cell phone?
by Cobra Commander
Wed Jul 03, 2019 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Protect my inheritance from divorce with a trust?
Replies: 30
Views: 3452

Re: Protect my inheritance from divorce with a trust?

You need the answer to two questions: (1) Is the inheritance subject to distribution in a divorce proceeding and (2) if so, how to structure the inheritance to protect it. You may need to a family law lawyer and a trusts and estates lawyer to answer each question. However, I would start with a trust...
by Cobra Commander
Tue Jul 02, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: FERS credit for Active reserve time
Replies: 23
Views: 2673

Re: FERS credit for Active reserve time

Your AT time will not count if you were a FERS employee at the time unless you were exceeding your 120 hours a years of military leave. For non-Federal employees who later become a FED, it counts. I have a mix but I let it go, 6 months is going to net you 1/2 of 1% increase in your multiplier and a...
by Cobra Commander
Tue Jul 02, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: FERS credit for Active reserve time
Replies: 23
Views: 2673

Re: FERS credit for Active reserve time

Request an MMPA from dfas. If you are not familiar it is a document which shows each day of the year you were on some sort of pay status. Each code indicates a different pay status. The codes you want are "50" and "60". Those indicate active duty days. The ADT days are coded as 50 which count as ac...
by Cobra Commander
Tue Jul 02, 2019 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Question of integrity
Replies: 40
Views: 4154

Re: Question of integrity

Do you have an offer for the other job yet? It's not clear to me whether the hiring manager gathering more information means you have an offer in hand. No offer yet, but he has shown interest and extended a site visit. I think it would be fine to accept another offer that better suits you regardles...
by Cobra Commander
Tue Jul 02, 2019 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Question of integrity
Replies: 40
Views: 4154

Re: Question of integrity

Do you have an offer for the other job yet? It's not clear to me whether the hiring manager gathering more information means you have an offer in hand.
by Cobra Commander
Mon Jul 01, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Intentional Divorce to avoid Marriage Penalties in tax code?
Replies: 54
Views: 5259

Re: Intentional Divorce to avoid Marriage Penalties in tax code?

I think you are going to have a hard time doing this without perjuring yourself or altering your relationship with your spouse in a very unconventional way. Obviously this varies by state and you didn't say what state you are in but generally speaking having "relations" with your spouse resets the w...
by Cobra Commander
Sun Jun 09, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: FERS credit for Active reserve time
Replies: 23
Views: 2673

Re: FERS credit for Active reserve time

Yeah, I would submit everything you have, including the annual points statement. I would think that would be sufficient to meet the criteria as worded in the regulation. No downside to going for it. When/if you do hear back from them, would you post your results here? I'm definitely curious to hear...
by Cobra Commander
Wed May 22, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 1075

Re: PC Hardware Help - KVM Switch

<r><QUOTE author="Dialectical Investor" post_id="4556984" time="1558550359" user_id="142418"><s>[quote="Dialectical Investor" post_id=4556984 time=1558550359 user_id=142418]</s> <QUOTE author="Cobra Commander" post_id="4556956" time="1558549238" user_id="118723"><s>[quote="Cobra Commander" post_id=4...
by Cobra Commander
Wed May 22, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 1075

Re: PC Hardware Help - KVM Switch

I use a KVM at home, also with a notebook (Windows) and desktop (dual-boot to Windows & Linux), though I use only a single monitor. This might work for you: https://www.newegg.com/iogear-gcs1642-dvi-usb/p/N82E16817399097 I can't vouch for this device personally, but it gets 4 of 5 stars on Newegg (...
by Cobra Commander
Tue May 21, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 1075

Re: PC Hardware Help - KVM Switch

OP, Some clarifying questions. I assume the Desktop PC is at home? Do you carry your desktop to work sometimes? I assume the laptop is your work machine that you have at work and then can bring home. If these are incorrect, then update. I'm visioning that at both home and work you have 2 monitors, ...
by Cobra Commander
Tue May 21, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 1075

Re: PC Hardware Help - KVM Switch

Anker USB 3.0 Docking Station. Very reasonably priced. eBay or Amazon. I have one at home and work. 2 monitors, network, keyboard, mouse, audio, extra USB ports. Example: https://www.ebay.com/itm/Anker-USB-3-0-Dual-Display-Universal-Docking-Station-w-Stand-Cable-With-AC/254235609588?hash=item3b319f...
by Cobra Commander
Tue May 21, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 1075

Re: PC Hardware Help - KVM Switch

Anker USB 3.0 Docking Station. Very reasonably priced. eBay or Amazon. I have one at home and work. 2 monitors, network, keyboard, mouse, audio, extra USB ports. Example: https://www.ebay.com/itm/Anker-USB-3-0-Dual-Display-Universal-Docking-Station-w-Stand-Cable-With-AC/254235609588?hash=item3b319f...
by Cobra Commander
Tue May 21, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 1075

Re: PC Hardware Help - KVM Switch

Anker USB 3.0 Docking Station. Very reasonably priced. eBay or Amazon. I have one at home and work. 2 monitors, network, keyboard, mouse, audio, extra USB ports. Example: https://www.ebay.com/itm/Anker-USB-3-0-Dual-Display-Universal-Docking-Station-w-Stand-Cable-With-AC/254235609588?hash=item3b319f...
by Cobra Commander
Tue May 21, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 1075

Re: PC Hardware Help - KVM Switch

Anker USB 3.0 Docking Station. Very reasonably priced. eBay or Amazon. I have one at home and work. 2 monitors, network, keyboard, mouse, audio, extra USB ports. Example: https://www.ebay.com/itm/Anker-USB-3-0-Dual-Display-Universal-Docking-Station-w-Stand-Cable-With-AC/254235609588?hash=item3b319f...
by Cobra Commander
Tue May 21, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 1075

Re: PC Hardware Help - KVM Switch

OP, you have your terminology wrong, which may lead you astray. The video ports on your computers are OUTPUTS, not INPUTS. You're sending video OUT, not IN. You have an HDMI and a mini display port on your laptop. So you'll need to get a display port to mini display port adapter. This seems to be t...
by Cobra Commander
Tue May 21, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 1075

Re: PC Hardware Help - KVM Switch

I use a USB hub at work. My keyboard, mouse, and monitors plug into it. The hubs have all the ports that a computer has (USB, HDMI, DVI, ...). The hub has replaced the old laptop docks. The hub even charges my laptop. The hub then plugs into my laptop with a single cable. If I had two computers, I ...
by Cobra Commander
Tue May 21, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 1075

Re: PC Hardware Help - KVM Switch

You could try a USB-C hub. That seems to be the more modern solution. Do you have any links to ones you might recommend? I took a quick look at a few on Amazon and I don't understand the technical side of how that would make my set up work. It looks like you plug the USB hub into say a desktop or w...
by Cobra Commander
Tue May 21, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: PC Hardware Help - KVM Switch
Replies: 29
Views: 1075

PC Hardware Help - KVM Switch

I currently use a personal computer and citrix to remote into my work laptop which is sometimes at work and sometimes next to me on my desk. I would like to change this and have a setup where I bring my laptop home and put it on my desk but be able to use my personal keyboard, mouse and monitors wit...
by Cobra Commander
Tue May 07, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4829

Re: Bathroom Remodel - Looking for Advice

One other thing....if you are going to retile the bathroom, you may consider heated tile floors. I put them in a property and I thought they were just gimmicky. We live in the south with very mild winters.....but they are awesome. We used Ditra Heat...another product from Schluter for the heated fl...
by Cobra Commander
Tue May 07, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4829

Re: Bathroom Remodel - Looking for Advice

Costco has well-priced solid wood vanities with counter/sink in quartz, etc. As this is the master bath, consider replacing rid of the outdated tub. Install a very quiet exhaust fan. I gave one that also produces heat to warm the bathroom on cold mornings. I was looking at Costco and it looks like ...
by Cobra Commander
Tue May 07, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4829

Re: Bathroom Remodel - Looking for Advice

Either replace only the shower or redo everything. Tubs are cheap. You will hate the tub if you leave the old one in. I worked for a remodeling contractor for several years doing bathrooms almost exclusively. We did everything start to finish and were in and out in less than two weeks. Get referenc...