Search found 86 matches

by doneat53
Sun Nov 03, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Car rental insurance experiences
Replies: 31
Views: 2808

Re: Car rental insurance experiences

I often get told in Hawaii that there is extensive downtime while the car is being fixed because they have to wait for parts to ship from the mainland. I can't believe it takes much longer to ship stuff to Hawaii than anywhere else in the US but I suppose if they shipped it by boat it could take ext...
by doneat53
Wed Oct 09, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: iPhone question - purchase
Replies: 13
Views: 1506

Re: iPhone question - purchase

The "unlocked" feature mentioned above when buying from Apple is huge if your mom does any traveling. You can swap a sim card in the airport when you get to your destination and for say 20.00 have full phone use for your 10-20 day trip. If your phone is locked you won't be able to do this. Having a ...
by doneat53
Sun Jul 21, 2019 9:51 pm
Forum: Personal Consumer Issues
Topic: Will Tall Fence Lessen Neighboring Dog Bark Noise?
Replies: 54
Views: 3250

Re: Will Tall Fence Lessen Neighboring Dog Bark Noise?

Might worsen it. My experience is if the dog can't see you they are more excitable.
by doneat53
Sun Jul 14, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Health Care Options Until Age 65?
Replies: 25
Views: 3033

Re: Health Care Options Until Age 65?

100% of FPL for 2020 appears to be $12490 for a single person like myself. See the following article for more details on FPL:
Yabut you should use 100% FPL for the previous year for your calculations for current year. ie for 2019 use FPL for 2018
by doneat53
Mon Jun 17, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 7360

Re: How to avoid high vet bills?

Also frustrated with these high costs. In many cases the costs are more than we charge humans.... Yearly boosters aren't always necessary, especially in healthy pets. You can check antibody titers for pretty cheap independently of your vet by mailing a blood sample to several online labs. Of course ...
by doneat53
Mon Apr 29, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6070

Re: Boglehead Pilots...advice

I've used Foreflight in the past, and now use FlyQ.
Thanks, that makes sense.

Can you tell me what you like better about FlyQ since you've used them both?
by doneat53
Sun Apr 28, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6070

Re: Boglehead Pilots...advice

Navigation has changed dramatically since the iPad came out, there are several apps for the iPad (ForeFlight, WingX, fltplan.com, Garmin) that make navigation much easier and safer. But they take time to learn to use, so budget for that time and try to do as much on the ground as you can. If you wi...
by doneat53
Mon Apr 22, 2019 10:38 pm
Forum: Personal Investments
Topic: Getting through a 2008-like crash during retirement
Replies: 38
Views: 5336

Re: Getting through a 2008-like crash during retirement

I highly recommend "Why Bother with Bonds" by Rick Van Ness. It is a short read with good illustrations and will give you a general knowledge of bonds and what affects their yields. I think it is a must read for anyone with bonds in their portfolio (most of us).

doneat
by doneat53
Tue Apr 02, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6070

Re: Boglehead Pilots...advice

What is the additional cost of an instrument rating? How many hours of instructor time and is there another written etc just like the private license? I agree with the plan that instrument rating will likely be necessary. I'm on the coast and weather will keep me on the ground a lot without an instr...
by doneat53
Tue Apr 02, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6070

Re: Boglehead Pilots...advice

Wow, thank you everyone for all the tips and information. This is VERY helpful. I sort of thought the response would be generous as my father used to love to talk about flying, give advice to young pilots, and always welcomed them into the "club". I wish he was still around to teach me some basics a...
by doneat53
Mon Apr 01, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6070

Boglehead Pilots...advice

I'm planning on getting my pilot's license. My father flew and owned a 206 so I'm familiar with and comfortable with small planes. There are several flight schools in my area and with the research I've done I think I can map out a plan but I could use some advice from veteran pilots and those that h...
by doneat53
Fri Feb 15, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 35019

Re: Early retirees, how much did you leave on the table?

I'll confess I haven't read all 7 pages of response to the op's question but perhaps I had a different take on the equation. For me the "done with work" line involved two different balances. 1) As my nest egg grew at some point it becomes apparent that the yearly "income" from dividends and capital ...
by doneat53
Wed Feb 06, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help me out on paying off Mortgage.....
Replies: 2
Views: 655

Help me out on paying off Mortgage.....

Hey Bogleheads, So I called my mortgage company today (Freedom) to figure out how to close out my mortgage (just a couple thou left). The person was a bit opaque and despite my efforts I really couldn't get a straight answer from him. He states that if I pay the balance off on my account that that i...
by doneat53
Wed Feb 06, 2019 12:16 am
Forum: Personal Investments
Topic: Just about retirement age...am I on the right track?
Replies: 15
Views: 2439

Re: Just about retirement age...am I on the right track?

I agree with the other comments that you are in a good spot. The one thing I'd recommend, especially if you are comfortable with spreadsheets, is to make a withdrawl plan that maximizes tax savings and minimizes healthcare expense. As you and your wife go to part time your annual income will drop si...
by doneat53
Sun Feb 03, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 66
Views: 5035

Re: Has anyone used software to write a Will?

IMHO the utility of having a full scale will depends somewhat on the state or distribution of your assets. If most of your wealth is in retirement and brokerage accounts then hiring a lawyer to draw up a will is a waste of time and money. If you want a minimalist approach that you can complete in th...
by doneat53
Thu Dec 27, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawal Calendar/ Academic Year Timing
Replies: 8
Views: 642

Re: 529 Withdrawal Calendar/ Academic Year Timing

I think most schools are aware of this problem if you just talk with the business office. The deadline for the school my kids attend is Jan 2 but they recognize this problem and allow you to wait until Jan to send the check and they ask that I just let them know that the check is on the way. So I ha...
by doneat53
Mon Nov 12, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 8436

Re: 457 vs 403b

I think there are institutional variants of both 457 and 403b but I'm not positive. With that caveat in mind, I'm allowed to contribute to BOTH my 403b and my 457b such that max contribution for 457 is 18.5k + 6k (I'm over 50) and 403b is the same so for a total tax free contribution of 49k. I'm pre...
by doneat53
Sat Nov 10, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 42
Views: 5298

Re: TurboTax on TaxMarkDown.com

I make it a point to get the absolute cheapest deal on TT software each year. Kind of a game. :sharebeer
by doneat53
Sat Nov 10, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 42
Views: 5298

Re: TurboTax on TaxMarkDown.com

Is there some way to check a product code or otherwise to determine if the download from taxmarkdown.com is legit?
by doneat53
Wed Oct 31, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Falling off the ACA subsidy cliff
Replies: 62
Views: 6003

Re: Falling off the ACA subsidy cliff

marcopolo wrote:
Wed Oct 31, 2018 2:32 pm
The Premium Tax Credits (PTC) for each year is computed based on the previous year's FPL. Are you using the FPL from the same year?
Thanks, that explains it, I was using 2018 FPL for 2018 healthplans.
by doneat53
Wed Oct 31, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Falling off the ACA subsidy cliff
Replies: 62
Views: 6003

Re: Falling off the ACA subsidy cliff

Not sure the meaning of this but perhaps someone can comment... When I put in an income of 400% FPL in to the health plan finders it usually doesn't generate a "subsidy premium" I have to go another 4-5k lower to actually have the health plan display show a subsidy premium. All this to say you might...
by doneat53
Wed Oct 24, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHCP and other considerations
Replies: 14
Views: 744

Re: PPO vs HDHCP and other considerations

Since the delivery of the baby is both predictable and major expense I would plan everything in that context. Pick the plan that will make that expense the cheapest for you and covers the hospital you wish to have the baby at and after that is done switch back to HDHP given your young age and appare...
by doneat53
Tue Aug 28, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 39
Views: 7012

Re: Knob and Tube rewire cost

I think your quote is somewhat typical although it is difficult for us to assess the complexity of your job. That said, 12k for rewire doesn't compare to the effort and time put into other projects in the house that go for much less. Take painting for example. Also, you should check to see if that q...
by doneat53
Fri Aug 10, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Molokai lately?
Replies: 8
Views: 1761

Re: Anyone been to Molokai lately?

Thanks for all the responses, I thought this post was overlooked and was happy to see all the comments.
by doneat53
Fri Aug 10, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Evaluating Munis beyond rating
Replies: 11
Views: 1057

Re: Evaluating Munis beyond rating

33% Federal income bracket so munis make a lot of sense for us.

So for these "additional" criteria (state, subject of bond, etc.) they are not included as part of the Moody or S&P rating?

Thanks for all the input. Just trying to get a feel for how people evaluate a muni purchase.
by doneat53
Fri Aug 10, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: Achieva offers 4.2% 5 year IRA CD for $75k or >
Replies: 32
Views: 6587

Re: Achieva offers 4.2% 5 year IRA CD for $75k or >

I'm interested in becoming an Achieva member, is the only way to be related to a member or live in Florida?
by doneat53
Thu Aug 09, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Evaluating Munis beyond rating
Replies: 11
Views: 1057

Evaluating Munis beyond rating

I'm looking into buying some AA or better muni bonds. Curious if there are other indicators of risk besides the S&P or Moody's rating? For example ... Date of last rating Underlying rating pay frequency...money in the bank if more frequent? How do you feel about AA- or AA3 vs AA? Are these significa...
by doneat53
Mon Jul 30, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Questions
Replies: 13
Views: 1372

Re: Auto Insurance Questions

It does not Then I would tend to say "no" you don't need those extra coverages but if it were me, I'd call geico and propose the scenario to them... ie "It seems to me that my umbrella policy should kick in if the personal injury on my auto insurance isn't enough... is that your interpretation?" an...
by doneat53
Mon Jul 30, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Questions
Replies: 13
Views: 1372

Re: Auto Insurance Questions

In my world... I have two teenage sons. They are the biggest risk and liability on my auto insurance policy and why I have an umbrella as well. So the answer to your question is one of risk tolerance and depends on whether your risk profile includes teenage drivers.
by doneat53
Wed Jul 25, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 87173

Re: 2-year CDs at Vanguard and Fidelity Today

7/25/18?? or do you mean 7/25/19? I don't see anything close to this at 1 or two year maturity.
by doneat53
Sun Jul 22, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: WSJ Article on Aging -- Scary Stuff..
Replies: 16
Views: 2315

Re: WSJ Article on Aging -- Scary Stuff..

I was able to access the article by googling the title and clicking on the link. This is the tip of the next phase of the baby boomer iceberg. Elderly care will become huge in the next 10-20 years. IMHO part of the solution is for families to step up but when you have no children, or no living relat...
by doneat53
Thu Jul 19, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Money and Closing Bank Account
Replies: 12
Views: 1256

Re: Transferring Money and Closing Bank Account

set up an ACH transfer (there should be a way to link your local bank to the transfer bank). It might take a few days, usually once you link the banks with a routing number the bank will transfer a few cents in to transfer and have you report the amounts to them to confirm you own the transferring a...
by doneat53
Wed Jul 18, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 3533

Re: Wills

A quick reassuring thing you can do (that will supersede a will) is to set your beneficiaries on your retirement account and other accounts. In many cases these are blank because new accounts don't require you to set them up right away and they get forgotten about or seem irrelevant when the account...
by doneat53
Tue Jul 10, 2018 8:03 pm
Forum: Personal Investments
Topic: Should I rollover 401 and 457? Newbie
Replies: 11
Views: 901

Re: Should I rollover 401 and 457? Newbie

Keep in mind that once your 457 becomes part of your 401k it will have RMDs at age 70... Perhaps it will anyway but I'd look into that. I'm sure it seems like it simplifies things to role the 457 into 401K or IRA but unless the investment choices are poor for the current 457 I don't think it makes a...
by doneat53
Tue Jul 10, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Molokai lately?
Replies: 8
Views: 1761

Anyone been to Molokai lately?

Hey Folks, We've traveled to Hawaii for years, most recently Kauai but are looking for a new venue. I've been to Molokai once as a kid but as I read about it the Sheratin where we stayed is dilapidated and apparently the mule trips to the former leper colony are no more because of some legal dispute...
by doneat53
Fri Jul 06, 2018 8:45 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 384
Views: 55292

Re: Roll Call for the Retirement Class of 2019!

Jan 2019 for me!
by doneat53
Wed Jun 27, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 113
Views: 19565

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

If part of that 7 mil is in a Employer sponsored 401K it would be protected from liability claims as I understand it. Umbrellas are good for people with young drivers. They mostly provide additional Auto liability coverage since that is the most likely source of liability that would generate a huge ...
by doneat53
Tue Jun 26, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 87173

Re: 2-year CDs at Vanguard and Fidelity Today

Probably a stupid question but do brokered CD's "roll" at their term or do they just cash out to your account?
by doneat53
Sat Jun 16, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 83
Views: 12240

Re: African Safari: Worth it or Hype?

I would like-in it to being able to go back in time and travel the great plains of the US when the buffalo were at their peak. It's worth timing it for the wildebeest migration. If you are into ecology, climate, and the natural order of things I highly recommend it for the animals. If you are into a...
by doneat53
Sat May 05, 2018 2:21 pm
Forum: Personal Investments
Topic: Understanding Bond Metrics
Replies: 8
Views: 1005

Re: Understanding Bond Metrics

One more question. So basically I paid an interest paytment when I purchased the note, and then received the scheduled coupon payment 1 month later. Does the federal government account for the fact that I paid 90% of the coupon payment in interest at the time I purchased the note or will I be charge...
by doneat53
Fri May 04, 2018 8:16 pm
Forum: Personal Investments
Topic: Understanding Bond Metrics
Replies: 8
Views: 1005

Re: Understanding Bond Metrics

CUISP 912828W97 par value 100 Coupon 1.25% payments every 6 mo. Date Purchased 2/20/2018 maturity date 3/31/2019 price paid 99.069 current 3rd party 99.117 YTM 2.239 (my calculation current, slightly different than fidelity (2.237%)) coupon date 03/31/2018 next coupon date 09/31/2018 my tax bracket...
by doneat53
Fri May 04, 2018 2:49 pm
Forum: Personal Investments
Topic: Understanding Bond Metrics
Replies: 8
Views: 1005

Re: Understanding Bond Metrics

Thanks for the quick reply alex_686 You calculations are way off. You are going to need a financial calculator to run a NPV or IRR calculation. Which calculation is off? The YTM calculation is within a 1/1000 of fidelity's value. The 2.832 number is reality (3 coupon payments of $6.25 and return of ...
by doneat53
Fri May 04, 2018 2:04 pm
Forum: Personal Investments
Topic: Understanding Bond Metrics
Replies: 8
Views: 1005

Understanding Bond Metrics

I've been trying to understand Bonds and Bond funds recently. I've learned a lot here particularly from Kevin M. Sometimes it helps me to have some skin in the game and dive in to fully understand so I purchased a Treasury note on the secondary market at Fidelity. At the time of purchase the note ha...
by doneat53
Sat Apr 28, 2018 12:24 pm
Forum: Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 9267

Re: Washington GET 529 Reopened: Good deal?

Here is a graph of the GET price changes over time.

Image
by doneat53
Sat Apr 28, 2018 12:02 pm
Forum: Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 9267

Re: Washington GET 529 Reopened: Good deal?

I too am guessing tuition being tied (per current law) to median growth in hourly wages won't be sustainable at some point. It would a shame to hold tuition growth back at the expense of devaluing the actual educational experience/quality. One would think we wouldn't let this happen to our universi...
by doneat53
Thu Apr 26, 2018 11:15 pm
Forum: Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 9267

Re: Washington GET 529 Reopened: Good deal?

My point isn't that I had a bad experience, my point is that I broke even after 5 years because the legislature couldn't pay GET program participants the higher yields. The warning to others considering GET is that WA state will guarantee that you don't get a 6-7% return because WA state can't affor...
by doneat53
Thu Apr 26, 2018 8:36 pm
Forum: Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 9267

Re: Washington GET 529 Reopened: Good deal?

Folks who get into GET pay premium for assurance meeting future tuition (inflation) guaranteed. I don’t think people put their money to get market like returns. If you are willing to take market risk then any state 529 plan should do it. I don’t consider GET accounts part of my investment or net wo...
by doneat53
Thu Apr 26, 2018 8:32 pm
Forum: Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 9267

Re: Washington GET 529 Reopened: Good deal?

Again (see my earlier post above) why bother? WA state GET has no advantage over other 529 plans and you can invest in Vanguard funds with low ER in other states without financial consequence. This is a no-brainer until WA state makes their program competitive.
by doneat53
Thu Apr 26, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: IRS announces relief for HSA contribution limit error
Replies: 7
Views: 1511

Re: IRS announces relief for HSA contribution limit error

Appreciate this post. I was just looking into reclaiming my 50 dollar overcontribution today. Good news!
by doneat53
Mon Apr 23, 2018 10:42 pm
Forum: Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 9267

Re: Washington GET 529 Reopened: Good deal?

We signed into the GET program just at the wrong time. Increases remained flat and then declined and we withdrew our money 5 years later for the same amount we put it... so basically gave WA state a free loan for 5 years. WA residents have the advantage of no state income tax so basically you can in...