Search found 735 matches

by jminv
Wed Mar 20, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance for Visiting the U.S.
Replies: 7
Views: 376

Re: Travel Insurance for Visiting the U.S.

I bought patriot protection plus from IMG global for a trip to the USA this year. I found them through a travel insurance comparison tool site. I wanted it for the medical coverage that included some pre-existing conditions benefits (has for acute onset of pre-existing conditions. Very inexpensive, ...
by jminv
Mon Mar 18, 2019 1:06 am
Forum: Personal Consumer Issues
Topic: Looking to buy snow bird house in Florida. How does it work with realtors?
Replies: 16
Views: 1656

Re: Looking to buy snow bird house in Florida. How does it work with realtors?

Use a realtor that rebates a portion of their commission to you. Not hard to find. Last home I purchased, I received 60% of my agent's commission (ie 60% of 3%).
by jminv
Mon Mar 18, 2019 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Can I get an appraisal on home I am renting without telling landlord?
Replies: 3
Views: 645

Re: Can I get an appraisal on home I am renting without telling landlord?

Sure, why not? You probably have the order wrong, though. First, from what you posted it's not clear whether the landlord is even interested in selling. If they're not interested or not very, then this would be a pointless expense. Better to know first before spending money on an appraisal. Even the...
by jminv
Sun Mar 17, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 127
Views: 7338

Re: Paris - Is It Safe?

The protests are very small at this point and nothing to worry about. French protests tend to be in a specified location with protestors inside the area and police surrounding them. They then move them down an area they want when it gets later in the day. The first few weekends were a bit less contr...
by jminv
Sat Mar 16, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Fraction of insurance companies revenue goes to paying out claims?
Replies: 34
Views: 2248

Re: Fraction of insurance companies revenue goes to paying out claims?

Life insurance loss and expense ratios vary quite a bit but the life insurance market in the United States is very competitive. This means that it is not uncommon for the combined ratio (loss + expense ratio) to be > 100%. This means that life insurers have lax underwriting/pricing standards in orde...
by jminv
Thu Mar 14, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Vacation Home: Own vs. Rent??
Replies: 36
Views: 2740

Re: Vacation Home: Own vs. Rent??

My in laws have a vacation home. When they're there, what it really turns into is doing all deferred maintenance during the vacation, ie, a maintenance vacation. When they're not there, they have a lot of money trapped in a home they don't rent out but have continued expenses such as lawn care to av...
by jminv
Thu Mar 14, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: U.S. Expats - What To Be Aware Of Tax Wise
Replies: 17
Views: 1382

Re: U.S. Expats - What To Be Aware Of Tax Wise

I don't plan on keeping much money in the bank there - just transferring in periodic sums under $10k to live on to avoid FBAR paperwork. Structuring transactions to avoid reporting requirements is generally a bad idea. I won't need much to live on. Avoiding transactions that are unnecessary when ac...
by jminv
Wed Mar 13, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring Early and losing RSUs
Replies: 32
Views: 2471

Re: Retiring Early and losing RSUs

Find a way to get them to lay you off without getting fired instead.
by jminv
Wed Mar 13, 2019 1:07 am
Forum: Personal Investments
Topic: Markel Corp (MKL) anyone?
Replies: 11
Views: 609

Re: Markel Corp (MKL) anyone?

It's an insurance company with a combined ratio of 121% in 2018. It's been > 100% since 2016. That's not good. They have a negative EPS growth rate since 2016. If I look at 2018, I see a very large increase in net premium written. It's been accelerating since 2016. That tells me that have lax underw...
by jminv
Wed Mar 13, 2019 12:46 am
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 6689

Re: Time to buy Boeing?

The time to buy would probably be if the FAA decided to ground the planes in question, following many other regulators. The problem with that is if the home country regulator decided to ground the planes, the problem could be worse than expected, remaining confidence could be lost in the near term, ...
by jminv
Sat Mar 09, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Yet another solar panel bid
Replies: 9
Views: 1088

Re: Yet another solar panel bid

Have you tried EnergySage for comparison quotes (it’s all online)? Several months ago, I received a few 7.5 year paybacks before any tax or local incentives. I don’t think I’d go for a 10 year deal including tax credit.
by jminv
Thu Feb 28, 2019 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Client From Hell Is Driving Me Insane!
Replies: 60
Views: 7756

Re: Client From Hell Is Driving Me Insane!

When you show the client that it’s not working do you also benchmark to their competition? If not, doing that might at least spark a conversation about why a competitors ad campaign has been more effective. You can have follow up material about what the competitors are doing to continue the conversa...
by jminv
Wed Feb 27, 2019 11:27 am
Forum: Personal Investments
Topic: Should I sell I-bonds to get 6.75% [in Pakistan bonds?]
Replies: 40
Views: 3196

Re: Should I sell I-bonds to get 6.75%

Those are very low interest rates for bonds from a country that needs And is actively negotiating an IMF bailout.

It seems like quite a bit of credit risk for the yield on offer.
by jminv
Tue Feb 26, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 72
Views: 5572

Re: Swimming, do you? Advice sought.

Still no lessons but some progress. I've been able to go 8 lengths breast stroke with no break. 4 lengths freestyle without a break. Kickboard has helped improve my freestyle kick some. 40 lengths swum regularly several days a week, though not hooked on this. Today I am going to work on breast stro...
by jminv
Tue Feb 26, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 38
Views: 2672

Re: Dental Insurance

I have a hard time believing that virtually any dental care covered by your plan would be financially detrimental to you if you had to pay for it out of pocket. If that's true, then the optimal mathematical solution is to self-insure. You've been lucky to get out more than you put in. I wouldn't ad...
by jminv
Tue Feb 26, 2019 5:14 am
Forum: Personal Finance (Not Investing)
Topic: Help with Onerous SSI Redetermination Visits
Replies: 13
Views: 1054

Re: Help with Onerous SSI Redetermination Visits

I'm requesting some advice and help from the Boglehead community. My parents-in-law both receive SSI and are on Medicaid. Their ages are 78 and 83. It is normal for Social Security to do periodic Supplemental Security Income Redeterminations, the frequency depending on the situation but apparently ...
by jminv
Fri Feb 22, 2019 3:44 pm
Forum: Personal Investments
Topic: Should you own company shares in 401(k)?
Replies: 20
Views: 939

Re: Should you own company shares in 401(k)?

It's a nice reminder not to put all your eggs into one basket. You see people around here sometimes not wanting to sell because they 'know' their company and 'know' the industry. It's a sure winner so they fail to diversify. Diversification is a great thing. It's doubly risky to be invested in the s...
by jminv
Fri Feb 22, 2019 8:46 am
Forum: Investing - Theory, News & General
Topic: security lending at interactive brokers
Replies: 6
Views: 423

Re: security lending at interactive brokers

Thanks. I own VTWV and VSS. I see that they both have a borrow rate of 2.5%? Any way of translating that into how much I could earn on an annual basis? I have about $250k of each. Thanks! It's hard to say how much you would earn, but probably not that much. The borrow rate is 2.5% but that doesn't ...
by jminv
Fri Feb 22, 2019 7:21 am
Forum: Investing - Theory, News & General
Topic: security lending at interactive brokers
Replies: 6
Views: 423

Re: security lending at interactive brokers

curious as to if anyone has had success making a little side $$$ using securities lending at interactive brokers (their "stock yield enhancement program")? If so, roughly how much, as a % of your portfolio, have you made? I am wondering if it would be more lucrative than chasing transfer bonuses, b...
by jminv
Fri Feb 22, 2019 7:03 am
Forum: Personal Investments
Topic: Should I keep money in TSP long term?
Replies: 66
Views: 2855

Re: Should I keep money in TSP long term?

Good thread, I’m debating whether to close my husband’s TSP or not. I left it open just in case I change my mind. If this this an inherited TSP, know that if you die while still holding the account in the TSP, your heirs will not be able to continue holding the account in the TSP, nor can they roll...
by jminv
Wed Feb 20, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Why do many overlanders drive old model vehicles?
Replies: 32
Views: 4092

Re: Why do many overlanders drive old model vehicles?

It has to do with reliability, spare part availability, and ability to repair. In Africa, land cruisers are the preferred vehicle for long trips through less developed areas. The lc 76, 78, 79 not the modern looking ones.
by jminv
Wed Feb 20, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term care insurance question: keep or cancel
Replies: 21
Views: 1297

Re: Long-term care insurance question: keep or cancel

It's interesting that as people who could otherwise afford it become more likely to make use of the benefits, they become more interested in either reducing the benefit amount or outright canceling their policies. Insurers must love it. In this case, the benefits versus the cost would make me want t...
by jminv
Tue Feb 19, 2019 8:23 pm
Forum: Personal Investments
Topic: Investing, as an American, in the London Stock Exchange (LSE) Tax Implications, Shariah Investor
Replies: 16
Views: 1134

Re: Investing, as an American, in the London Stock Exchange (LSE) Tax Implications, Shariah Investor

You could use m1 finance to mirror the Amana holdings. Create your own fund for free, no er and future contributions get invested the same.
by jminv
Tue Feb 19, 2019 1:47 pm
Forum: Personal Investments
Topic: student loans payoff with pre tax retirement funds
Replies: 3
Views: 324

Re: student loans payoff with pre tax retirement funds

That would mean you would have 100k in income in one period that’s taxed. Not optimal since part at higher marginal rates than would otherwise be the case I would look at income driven repayment options for both your wife and daughter. As far as your wife: You don’t say how old your wife is but stud...
by jminv
Tue Feb 19, 2019 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Solar Rebate Expiration
Replies: 9
Views: 651

Re: Solar Rebate Expiration

The federal solar rebate appears to be tapering off starting next year. https://news.energysage.com/congress-extends-the-solar-tax-credit/ . It doesn't seem like the political climate (go coal?) is going to lend itself to getting this renewed. I was wondering if it makes sense for me to go solar no...
by jminv
Sat Feb 16, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help with difficult work situation
Replies: 48
Views: 3580

Re: Help with difficult work situation

I would take the 5% raise, do the job, and meanwhile find a new opportunity that comes with a promotion elsewhere. It’s a good time to make a switch. Complaining won’t do anything and what they’re telling you about a future promotion sounds like ‘maybe, one day...’ which is probably just to smooth r...
by jminv
Thu Feb 14, 2019 5:04 pm
Forum: Non-US Investing
Topic: Foreign check collection & shopping around for the best FX rate
Replies: 4
Views: 213

Re: Foreign check collection & shopping around for the best FX rate

You could use on of the options in the link below to lock in an exchange rate for all or part of the funds. This will let you shop for a rate now but at the expense or all or part of future possible beneficial moves in the exchange rate between now and check clearance time. https://www.ofx.com/en-au...
by jminv
Thu Feb 14, 2019 6:07 am
Forum: Non-US Investing
Topic: Why are Australian Bond Yields Falling? (and not rising or staying flat?)
Replies: 7
Views: 576

Re: Why are Australian Bond Yields Falling? (and not rising or staying flat?)

Hoping someone can explain why 10year AUD bond yields have dropped so fast in the last few months. https://tradingeconomics.com/australia/government-bond-yield I get how bonds pricing works. But i must be missing something here. From my perspective: - seems the likely hood of an interest rate incre...
by jminv
Thu Feb 14, 2019 2:52 am
Forum: Personal Consumer Issues
Topic: Car rental drop-off fees
Replies: 18
Views: 1773

Re: Car rental drop-off fees

Thanks. I ran kayak for my dates June 14 to July 1 and got $1,600 (taxes and fees around $1,000). Still very high. Maybe I will wait and keep monitoring On kayak, I see a rental for a total of $1052 for those dates, not $1600. Did you select the cities rather than the airports? If you pick off airp...
by jminv
Tue Feb 12, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Need help with frequent week-long stays in Boston over next 18 mos
Replies: 68
Views: 3352

Re: Need help with frequent week-long stays in Boston over next 18 mos

I’ve had to do something like this for work before and I never considered buying a place. It doesn’t make any sense. You then say that you are worried about bedbugs in Airbnb’s but go on to say that you would list the place you bought on Airbnb. Travelers can bring bed bugs into your new Airbnb, nev...
by jminv
Tue Feb 12, 2019 1:40 pm
Forum: Personal Investments
Topic: Which brokerage share securities lending profits?
Replies: 4
Views: 202

Re: Which brokerage share securities lending profits?

Hi there, I know that IB shares 50% of the profits from securities lending with the owners of the securities. It's a tiny amount of money but it's still better than being shared nothing from security lending profits. What other brokerages share securities lending profits besides IB? Does Robinhood,...
by jminv
Mon Feb 11, 2019 6:57 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 1371
Views: 72275

Re: Strategy Optimization

Within the mostly fun department. The best portfolio is the one optimizing monthly based on previous 12 months. Provided Portfolio == 40/60 3x Levered. Incidentally, since cash is an option. The model is in cash now. Cheers :greedy Hdas- your analysis is quite interesting. Could you elaborate a bit...
by jminv
Sat Feb 09, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 1371
Views: 72275

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

Gedanken experiment: Let’s flip the situation. If the Fed announced tomorrow that they were bringing back callable bonds, would anyone rely on my 1980s-today backtest? Of course not, and they shouldn’t. Theoretically, if the Fed announced tomorrow that they were bringing back callable bonds, how wo...
by jminv
Sat Feb 09, 2019 9:35 am
Forum: Personal Investments
Topic: Should I keep my pension or withdraw it?
Replies: 24
Views: 1621

Re: Should I keep my pension or withdraw it?

Hello Everyone, Long time lurker/reader here - first post. Just wanna know your opinion on my pension. I am resigning my current position now and going to a different company. I am "vested" in the New Jersey Public Employee Retirement System or PERS. Minimum yrs to be vested is 10 years. I can star...
by jminv
Sat Feb 09, 2019 5:33 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 1371
Views: 72275

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Maybe the rebalancing saves things, but I've always seen significant volatility loss over multiple market cycles when I've checked leveraged equity ETFs. For example, DZK is a 3x leveraged version of EFA (developed markets - a different index of VEA, not particularly volatile). As of December 31, t...
by jminv
Fri Feb 08, 2019 5:31 am
Forum: Personal Investments
Topic: Critique this Real Estate investment idea
Replies: 31
Views: 2063

Re: Critique this Real Estate investment idea

As an expat, I would not do this. It would complicate your life and shows me that you are focused on property investments (your 'build an asset remark'), rather than your liquid investments. It would be better for you in the long run to get in the habit of investing in liquid assets (monthly) and ge...
by jminv
Fri Feb 08, 2019 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Sell the house or keep it for rent?
Replies: 30
Views: 1849

Re: Sell the house or keep it for rent?

I would sell the 3rd property and take the gains. I can't tell when you last lived in the other rental and for how long but I would still sell it if I couldn't raise the rent beyond that, ie, you are currently at a market rent. Neither of your rentals is attractive. If you were accounting for all of...
by jminv
Fri Feb 08, 2019 5:02 am
Forum: Investing - Theory, News & General
Topic: Crypto Exchange goes bankrupt after owner dies with only password
Replies: 90
Views: 10626

Re: Crypto Exchange goes bankrupt after owner dies with only password

From what I've read about this elsewhere, there are likely no trapped coins, since the owner appears to have been covering up a loss/theft of coins, ie, what were supposed to be in the 'cold wallets', weren't. He may or may not have passed away but that he was in India opening an orphanage he funded...
by jminv
Fri Feb 08, 2019 4:33 am
Forum: Personal Consumer Issues
Topic: Seller is an expert, but may be lowballing themself, advice? (Audio added)
Replies: 46
Views: 4140

Re: Seller is an expert, but may be lowballing themself, advice?

He has old bows to lend out as part of his repair business but probably doesn't know valuation of each individual one off the top of his head since he's new to the business (and the business of upselling). The issue you are having is because of the 4k valuation on the paperwork you had to sign to bo...
by jminv
Tue Feb 05, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Heat on heat pump unit
Replies: 9
Views: 473

Re: Using Emergency Heat on heat pump unit

I had an ecobee thermostat and made a threshold setting for temperature (you can also do period of time) that if it fell so far under the desired temp, that emergency/auxiliary heat switched on. Worked fine.
by jminv
Mon Feb 04, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 318
Views: 13110

Re: Is Long Term Care Insurance worth it?

It can be worth it if you end up needing the care. Otherwise, it won't be, on average which is the nature of insurance. This thread has gone off on a tangent about this but it's the same for all types of insurance, on average, you won't 'win'. That's not the reason to get insurance. There are also i...
by jminv
Sun Feb 03, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling to france may 11 days advice?
Replies: 24
Views: 1300

Re: Traveling to france may 11 days advice?

In paris, airbnb or booking.com also has apartments. Airbnb is fine but there are certain neighborhoods where they can't list and these are in the center of paris. For the other neighborhoods, there is a limit to how much time per year they can rent. Booking.com is fine and you'll find listings thro...
by jminv
Mon Jan 28, 2019 7:57 pm
Forum: Personal Investments
Topic: Risk free or very low risk at 4%
Replies: 43
Views: 4452

Re: Risk free or very low risk at 4%

It doesn't exist unless you own a house and still have a mortgage equal to or greater than 4% and you can pay it off, earning yourself that guaranteed return. You could get 3.1% on a 5 year CD or 2.9% on a 2 year.
by jminv
Sun Jan 27, 2019 5:12 am
Forum: Personal Investments
Topic: Survivor Benefit Plan Election
Replies: 5
Views: 637

Re: Survivor Benefit Plan Election

I would get the survivors benefit but at 50%. It’s guaranteed and has a cola. A lot of things can happen, but the pension will still be there no matter what. Simplifies life for the survivor and doesn’t get them in the habit of spending down savings so much. Saw this happen with a few different wido...
by jminv
Sun Jan 27, 2019 5:04 am
Forum: Personal Consumer Issues
Topic: Extra days in Nice, France area
Replies: 17
Views: 1105

Re: Extra days in Nice, France area

Villefranche-sur-mer, near or in the old town. It’s a few km east of nice, next town over.
by jminv
Sat Jan 26, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 162
Views: 21802

Re: Millionaire by 40 and How you Did it?

Had a difficult childhood, went to work out of high school out of necessity at low pay for a couple of years and hated being poor, and when I went to college it took me a bit longer than I would have liked to decide what I wanted to do (my major, realized initial choice was not optimal). In the end,...
by jminv
Sat Jan 26, 2019 7:09 am
Forum: Personal Consumer Issues
Topic: PODS or similar services for moving lots of boxes?
Replies: 4
Views: 529

Re: PODS or similar services for moving lots of boxes?

I am a fan of abf u-pack. I have used them on five different occasions and service was great every time. This included trailers, relocubes, terminal to terminal, door to door, and storage at a terminal. Never had any damage. They can also line up labor on either end which is helpful. They also tend ...
by jminv
Fri Jan 25, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Medi-Cal estate recovery upon death
Replies: 10
Views: 634

Re: Medi-Cal estate recovery upon death

Did your mother gift you those assets recently? That could make her ineligible for benefits for some point of time. California look back period is up to 30 months. Otherwise, the state's not going to come after you if your mom runs out of money. FAQs on the Medi-Cal Estate Recovery: https://www.dhcs...
by jminv
Fri Jan 25, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Any fed workers gone through "removal" and legally fought the allegations?
Replies: 12
Views: 2319

Re: Any fed workers gone through "removal" and legally fought the allegations?

If the person is an Assistant Director of an agency, then the quoted costs are not large relative to what the person stands to lose. A career/salary, difficulty finding a new job, their good name, and retirement benefits. I would pay the lawyer and fight it. If the person doesn't fight it, they'll p...
by jminv
Fri Jan 25, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Work in another part of the country for a couple months
Replies: 7
Views: 384

Re: Work in another part of the country for a couple months

You can sometimes find abnormally low pricing on airbnb for new listings or for listings that are infrequently rented, ie, the owner hasn't yet figured out how to competitively price their place and especially don't know how to price it on the month discount basis. This is what I try to do when I us...