Search found 143 matches

by burnsh
Thu Nov 14, 2019 6:55 am
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 69
Views: 3107

Re: HDHP over BCBS Basic for Feds?

With all the recent changes of online brokers dropping their fees, does it make sense to still set up an account with Fidelity instead of using TDAmeritrade? With the elimination of fees I don't think it matters anymore. Am I missing something?
by burnsh
Wed May 22, 2019 1:07 am
Forum: Investing - Theory, News & General
Topic: Delaying social security = harming nest egg?
Replies: 74
Views: 6653

Re: Delaying social security = harming nest egg?

Here is a good paper that explains why it makes sense to delay social security and spend down your investments. http://longevity.stanford.edu/2017/11/29/how-to-pensionize-any-ira-or-401k-plan/ Also the Bogleheads Podcast #7 with Mike Piper of Obliviuous Investor talks about why it makes sense. https...
by burnsh
Tue May 14, 2019 1:40 am
Forum: Investing - Theory, News & General
Topic: Financial podcasts
Replies: 32
Views: 3972

Re: Financial podcasts

cnblure wrote:
Mon May 13, 2019 3:32 pm
I enjoy the Afford Anything podcast with Paula Pant.
+1

Also the Mad FIentist
by burnsh
Thu Apr 25, 2019 3:12 am
Forum: Investing - Theory, News & General
Topic: Book on withdrawal strategies / retirement income?
Replies: 25
Views: 3048

Re: Book on withdrawal strategies / retirement income?

http://longevity.stanford.edu/wp-content/uploads/2017/11/Optimizing-Retirement-Income-Solutions-November-2017-SCL-Version.pdf http://longevity.stanford.edu/wp-content/uploads/2017/12/How-to-pensionize-any-IRA-401k-final.pdf One of the co-authors -- Steve Vernon -- has published a book Retirement Ga...
by burnsh
Sat Mar 09, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: ProFed Fed Employee Retirement workshop: FA sales or legit help?
Replies: 12
Views: 1273

Re: ProFed Fed Employee Retirement workshop: FA sales or legit help?

I attended a seminar by ProFeds about two years ago. My experience was that it was a form of paid advertisement. ProFeds gets hired by a local “financial advisor” seating in the back and as different topics are briefly covered, they keep recommending talking to the financial advisor who will do an i...
by burnsh
Thu Sep 14, 2017 11:15 am
Forum: US Chapters
Topic: San Antonio TX Chapter - Master Thread
Replies: 50
Views: 13584

Re: San Antonio Local Chapter Established

Meeting still on for tonight?
by burnsh
Tue Aug 15, 2017 1:25 pm
Forum: US Chapters
Topic: San Antonio TX Chapter - Master Thread
Replies: 50
Views: 13584

Re: San Antonio Local Chapter Established

I'm interested. Either evenings or Saturday morning. Proposed location is perfect for me. :D
by burnsh
Tue May 09, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads Guide for Federal Employees
Replies: 9
Views: 2032

Re: The Bogleheads Guide for Federal Employees

The one I attended was given by ProFeds, who was hired by a local "financial advisor" to give this seminar, but the invitation was disseminated through the government email giving the appearance of a degree of legitimacy and sponsorship. It did contain some useful information but it was essentially ...
by burnsh
Tue May 09, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads Guide for Federal Employees
Replies: 9
Views: 2032

The Bogleheads Guide for Federal Employees

I love the Bogleheads Guide to investing. I have bought both editions and given away several copies as gift. I also love the Bogleheads guide to retirement, in particular because there are several instances in the book that make reference to specific benefits to federal employees like the TSP. I bel...
by burnsh
Thu Jan 26, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Life Expectancy Monthly Withdrawal formula
Replies: 5
Views: 1359

TSP Life Expectancy Monthly Withdrawal formula

Anyone knows what is the TSP Life Expectancy Monthly Withdrawal formula or how is calculated?
by burnsh
Sun Sep 13, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Is NAPFA.org the place to look for fee-only financial planner?
Replies: 12
Views: 1520

Re: Is NAPFA.org the place to look for fee-only financial planner?

Yesterday I was looking online to figure out how much an Hourly Fee Only Financial Planner usually charge. I am also interested in getting a financial planner to review what I've done so far, and offer recommendations on things I might have missed or should focus on instead. From what I found, an ho...
by burnsh
Thu Oct 02, 2014 9:07 pm
Forum: Investing - Theory, News & General
Topic: Penfed CDs up rates
Replies: 11
Views: 3878

Re: Penfed CDs up rates

Security Service Federal Credit Union 5 Year CD 2.18% APR 2.20% APY.

also

Navy Federal has a 12m 3.00% APY offer for a maximum deposit of $3000.00 right now with some other restrictions.
by burnsh
Mon Sep 15, 2014 8:21 pm
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 56
Views: 12206

Re: How much you need to save as multiple of salary

TigerNest wrote:
wrysys wrote: Your income grows 1.5 percentage points faster than inflation each year.
That'd be nice. :|
+1
by burnsh
Thu Aug 21, 2014 4:32 pm
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 49
Views: 13889

Re: "The Bogleheads' Guide to Investing -- Second Edition"

Brantley wrote:I too have bought the first edition already. Are there significant changes in the second edition? Is it worth a purchase?
+1
by burnsh
Sat Aug 16, 2014 5:25 pm
Forum: Personal Consumer Issues
Topic: Ortho/Dental Forced Financing Dilema
Replies: 5
Views: 1212

Ortho/Dental Forced Financing Dilema

Here is the situation. We have a very good friend who is a great orthodontist, who just finished treating my first kid for braces for a very good discount. Unfortunately, although she is great, the company she works for is not. My second child is now ready for her braces, and thanks to my friend, we...
by burnsh
Tue Oct 15, 2013 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Recoveries question.
Replies: 2
Views: 717

Healthcare Recoveries question.

My daughter recently had an accident where she trip and fell down the stairs of our home. My wife took her to the hospital where she received medical treatment. My insurance company, BCBS, after paying for the services, referred the incident to Healthcare Recoveries, a division of Trover Solutions. ...
by burnsh
Thu Sep 05, 2013 2:59 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 10813

Re: USAA disappoints!

by burnsh
Thu Sep 05, 2013 2:57 pm
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 10813

Re: USAA disappoints!

USAA Member since 1996. Had my first bad experience with them this year when I made a claim to my homeowners insurance after my wife’s wedding ring got stolen. Had to argue back and forward for a month and a half after their first offer to settle was extremely low, ending up with a settlement of thr...
by burnsh
Wed Sep 04, 2013 3:09 pm
Forum: Personal Consumer Issues
Topic: USAA Homeowner Insurance Increase
Replies: 35
Views: 5403

Re: USAA Homeowner Insurance Increase

USAA Member since 1996. Had my first bad experience with them this year when I made a claim to my homeowners insurance after my wife’s wedding ring got stolen. Had to argue back and forward for a month and a half after their first offer to settle was extremely low, ending up with a settlement of thr...
by burnsh
Thu Feb 14, 2013 3:36 pm
Forum: Personal Consumer Issues
Topic: Legos
Replies: 52
Views: 9773

Re: Legos

All I know is I used to love my Space Legos and will forever hate the day I got rid of them after I thought I had outgrown them in my teens. :(
by burnsh
Mon Feb 11, 2013 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: 3% to 4% on Checking???
Replies: 17
Views: 3539

3% to 4% on Checking???

Just read this on NBC. "Imagine if you could earn 3 or 4 percent interest on a “free” checking account – with no minimum balance requirement, no monthly fees and free transactions at any ATM in the country? Advertise | AdChoices It sounds too good to be true, but it’s not. The Kasasa checking accoun...
by burnsh
Mon Feb 11, 2013 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Willing to do 6 month interest rate match
Replies: 36
Views: 6202

Re: USAA Willing to do 6 month interest rate match

I would like to know USAA answer to this one: "Imagine if you could earn 3 or 4 percent interest on a “free” checking account – with no minimum balance requirement, no monthly fees and free transactions at any ATM in the country? Advertise | AdChoices It sounds too good to be true, but it’s not. The...
by burnsh
Wed Feb 06, 2013 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Willing to do 6 month interest rate match
Replies: 36
Views: 6202

Re: USAA Willing to do 6 month interest rate match

On another point, USAA has once again payed their employees a bonus of 18.8% of their base pay. This in a year where they raised their home insurance premiums by 15.7%. See this article: http://www.mysanantonio.com/business/article/USAA-s-18-8-bonus-equals-highest-ever-4232825.php Don't get me wrong...
by burnsh
Fri Feb 01, 2013 9:30 am
Forum: Personal Finance (Not Investing)
Topic: USAA Willing to do 6 month interest rate match
Replies: 36
Views: 6202

Re: USAA Willing to do 6 month interest rate match

USAA Member since 1996. Have tried in the past to get them to match interest rates for an auto loan compared to my local Credit Union. They would not do it. They even told me they never try to match other competitors. You either take their rate or go somewhere else, so I did. My Credit Union auto lo...
by burnsh
Wed Jan 16, 2013 9:20 am
Forum: Investing - Theory, News & General
Topic: Why not start a bogleheads radio show/podcast?
Replies: 8
Views: 1228

Re: Why not start a bogleheads radio show/podcast?

I love the Clark Howard radio show and download the podcast everyday and listen to it to and from work. I think it would be awesome if there was a Boglehead radio show/podcast done (even weekly) that allowed people to call in and ask questions. The best part of Clark Howard is that he is product ag...
by burnsh
Fri Oct 12, 2012 3:12 pm
Forum: Investing - Theory, News & General
Topic: SSFCU CD Rates
Replies: 6
Views: 977

Re: SSFCU CD Rates

2retire wrote:How are you planning to do a 5 year CD ladder without a 4 year CD in their mix?
I already have a ladder in place. I am just renewing the latest CD that is maturing for another 5 year CD.
by burnsh
Fri Oct 12, 2012 2:51 pm
Forum: Investing - Theory, News & General
Topic: SSFCU CD Rates
Replies: 6
Views: 977

Re: SSFCU CD Rates

Well thankfully I have been a member for the last three years, as well as being a member of two other San Antonio financial giants, USAA and Randolph-Brooks Federal Credit Union. RBFCU actually had better rates than SSFCU last year (and they also have a six year CD for those who want a seven year la...
by burnsh
Fri Oct 12, 2012 2:15 pm
Forum: Investing - Theory, News & General
Topic: SSFCU CD Rates
Replies: 6
Views: 977

SSFCU CD Rates

Found these rates for CD's at Security Service Federal Credit Union and wanted to post them because I thought they were good. Certificate of Deposit Rates ...........................................$250........................$500..................$25,000...................$50,000......................
by burnsh
Fri Oct 12, 2012 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 4385

Re: Amazon Business Practice and Cust. Service

I'm glad that it all worked out, but I wanted to mention that I use Amazon A LOT (I checked, and it was more than $13k in the past 12 months) and I've never had a problem with their systems or customer service. I second what Ryan in Chi said. I found that an Amazon credit card tied to my account ge...
by burnsh
Thu Oct 11, 2012 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 4385

Re: Amazon Business Practice and Cust. Service

UPDATE: My brother in law just called me a short while ago and gave me an update. He took the letter he sent me and that I originally posted, and posted the letter in the Amazon Tweeter page, tha Amazon Facebook page, and in the Amazon Customer Reviews for the Kindle he had just purchased. Today, he...
by burnsh
Wed Oct 10, 2012 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Who is your term-life insurance provider?
Replies: 45
Views: 9921

Re: Who is your term-life insurance provider?

Anybody has any experience with USAA Term Life insurance? I would guess they don't have the best price, but I would also guess they have the best rating and customer service. I have used them for Home and Car insurance since 1996, and I am sure I could probably get better rates somewhere else, but I...
by burnsh
Wed Oct 10, 2012 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 4385

Re: Amazon Business Practice and Cust. Service

Just to be very clear about something else - Telecheck isn't a run-of-the-mill collection company. In fact, I think OP describing them as a "collection company" is completely erroneous. To my knowledge, they only handle bad checks and I don't think they use the standard consumer reporting agencies....
by burnsh
Wed Oct 10, 2012 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 4385

Re: Amazon Business Practice and Cust. Service

Something isn't right here. He tried to pay with a credit card and the transaction was declined. There is nothing to collect! He owes nothing, they shipped nothing. Yes, he did correct the problem by paying via electronic check, but that part went fine. So where does Amazon feel they got stiffed an...
by burnsh
Tue Oct 09, 2012 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 4385

Re: Amazon Business Practice and Cust. Service

He paid by ACH correct? Then he should obtain a record of that transaction from the bank and send a copy of that to both Amazon and the collection agency as proof of payment. Something else seems to be amiss here though, because 2 weeks is an awfully quick time to send something off to collections....
by burnsh
Tue Oct 09, 2012 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 4385

Amazon Business Practice and Cust. Service

I received a letter from my brother in law about a recent experience he had with Amazon and it has left me baffled. He is worried that this is going to affect his credit and asked me what he could do about it. Below is the letter he sent me: Bad customer service by Amazon. Here’s the situation: I bo...
by burnsh
Thu Aug 23, 2012 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Clark Howard Recommended Sites
Replies: 24
Views: 14010

Re: Clark Howard Recommended Sites

Clark Howard biggest reason he gives for recommending a ROTH over traditional is because he believes the government will inevitably raise taxes in the future.
by burnsh
Thu Aug 23, 2012 2:21 pm
Forum: Investing - Theory, News & General
Topic: "The Secret of two-times pay" from Your Money Ratios
Replies: 97
Views: 16791

Re: "The Secret of two-times pay" from Your Money Ratios

I am curious to know if someone has done the math, based on the book assumptions, of how long or at what year mark you reach each event (i.e. two-times pay, x years; three-times pay, y years; four-times pay, z years...ETC) Have not read the book, but find the posting interesting, and just order a co...
by burnsh
Tue Jun 05, 2012 12:19 pm
Forum: Personal Consumer Issues
Topic: Financial Books We Detest
Replies: 61
Views: 6539

Re: Financial Books We Detest

The Motley Fool Investment Guide
by burnsh
Fri May 25, 2012 10:46 am
Forum: Investing - Theory, News & General
Topic: Good debt - a fallacy?
Replies: 22
Views: 6398

Re: Good debt - a fallacy?

Another thing to consider, is that Student Loans are not dischargeable in bankruptcy. Everything may be perfect now, but you never know what the future may bring. Injury, medical bills, Lawsuits, etc...and your ability to pay the loan changes.
by burnsh
Mon May 14, 2012 2:38 pm
Forum: Investing - Theory, News & General
Topic: ROTH TSP now available in my agency
Replies: 3
Views: 645

Re: ROTH TSP now available in my agency

My effective tax rate has hovered around 2% for years. I definetely think my tax rate will be higher when they force me to retire in 16 years. I also personally believe we will be affected by higher tax rates in the future due to the growing national debt. I rather pay the taxes now than later.
by burnsh
Mon May 14, 2012 2:08 pm
Forum: Investing - Theory, News & General
Topic: ROTH TSP now available in my agency
Replies: 3
Views: 645

ROTH TSP now available in my agency

YEAh!

I check my agency finance webpage this morning, and I can finally sign up for the ROTH TSP effective Pay Period 10. :D
by burnsh
Mon Jan 30, 2012 10:57 am
Forum: Personal Investments
Topic: Puerto Rico Bonds
Replies: 5
Views: 726

Re: Puerto Rico Bonds

P.R is a U.S. Commonwealth, but P.R has been in a recession longer than the U.S. with no end in site. The local economy has created a massive exodus of purtorricans away from the island and the crime rate is the worst in the world with the highest murder rate topping that of Mexico's drug cartel vio...
by burnsh
Mon Jan 30, 2012 10:47 am
Forum: Personal Investments
Topic: CD Ladder Strategy - how to handle gaps, long term rates?
Replies: 54
Views: 15401

Re: CD Ladder Strategy - how to handle gaps, long term rates

I know this is an old discussion, but I just noticed my credit union is now offering a six year Cd making it easy to create that seven year Cd ladder. Check out RBFCU.ORG for their Cd rates.
by burnsh
Fri Jan 20, 2012 10:46 am
Forum: Personal Finance (Not Investing)
Topic: USAA check deposit at UPS ... anyone use it?
Replies: 17
Views: 6003

Re: USAA check deposit at UPS ... anyone use it?

I've used it before with no problems. I have also mailed them deposits with their pre-stamped and addressed envelopes with no problems. That been said, if you are afraid because of the amounts, I don't see the problem with depositing the money in your Navy Federal Account and then tranfering the mon...
by burnsh
Mon Jan 09, 2012 11:40 am
Forum: Personal Consumer Issues
Topic: FBI Fingerprinting - background check
Replies: 9
Views: 2745

Re: FBI Fingerprinting - background check

Try the electronic fingerprinting that was suggested. A good officer can try different tricks to get readable prints, and the machine will give immediate feedback. Often unreadable or poor quality fingerprints are the results of the subjects type of work. People who work in construction especially a...
by burnsh
Fri Jan 06, 2012 4:30 pm
Forum: Personal Investments
Topic: What % of your portfolio is in I-bonds/EE bonds?
Replies: 30
Views: 3810

Re: What % of your portfolio is in I-bonds/EE bonds?

They are about 40% of my emergency fund.