Bogleheads.org

Blake7

This might help:

https://help.yahoo.com/kb/manage-spam- ... irect=true

Google’s spam filtering is excellent. I would never use any of the free email services personally, but if I did, it would be Gmail.

Blake7

Some considerations: 1) While WA has no income tax, like the other states that don’t, they have to get their revenue somewhere. In WA, the property taxes are higher (and increases are not capped like CA) and there is an inheritance tax. What is your combined taxable income? The CA income tax isn’t ...

Blake7

This post will likely be controversial, but having a public sector job with a pension is entirely different than having a private sector job without a pension. First of all unions are more involved in the public sector. This means better pensions and healthcare benefits. Of course getting laid off ...

Blake7

Some considerations: 1) While WA has no income tax, like the other states that don’t, they have to get their revenue somewhere. In WA, the property taxes are higher (and increases are not capped like CA) and there is an inheritance tax. What is your combined taxable income? The CA income tax isn’t t...

Blake7

Unless I missed it, I don’t believe anyone mentioned the ability to retire earlier in government should be assigned a value. Either the opportunity benefit to draw an early pension and continue earning a salary elsewhere (double-dipping), or simply the ability to enjoy early retirement. This has no...

Blake7

Unless I missed it, I don’t believe anyone mentioned the ability to retire earlier in government should be assigned a value. Either the opportunity benefit to draw an early pension and continue earning a salary elsewhere (double-dipping), or simply the ability to enjoy early retirement.

Blake7

https://www.chexsystems.com is often used for bank accounts. Very easy to freeze/unfreeze with them. Just hope it’s not Equifax. They are completely broken since the breach from what I can tell. All 3 family members have done everything we can to get Equifax accounts set up so we can freeze/unfreez...

Blake7

I have both and like the Roku interface better. However, there are 2 things I do not like about Roku. 1. The unit does not shut off. Be sure to leave it set at home or it could continue streaming when not viewing. 2. The mute switch is on the side and we have trouble accidently hitting it when hand...

Blake7

We got our first Roku about 10 years ago, when we cut the cable cord and home phone and went Internet-only. We currently have 3 in our house ($30 Roku Express), and they all sync perfectly. I’ve never used any other streaming devices, so I can’t compare or contrast them. I do know I prefer an agnost...

Blake7

IMO, there never appears to be any consensus on what should be included in net worth. Some include their home and/or pension, others don’t. To me, net worth is just a snapshot at any given time to assess overall wealth accumulation. It doesn’t do anything else. I’m in the #4 camp, unless the pension...

Blake7

I’m staying with them at this time, partially due to the friction involved in moving providers, but have some concerns long-term with the ongoing threads ref. service quality, although admittedly I rarely contact them. My main issue is their IT (2FA with Google Voice has to be a call as texts are no...

Blake7

Should portfolio investment returns that are being withdrawn for expenses (rather than reinvested) be included in the SWR %, or only principal? Just figured I’d throw that in as the question popped into my head the other day, and I never got around to researching it. (I don’t want to hijack the OP’s...

Blake7

OP, I had to go through the same thought process as you recently. You can read the thread here: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=290944 I many months researching my pension decision. Definitely one of the tougher financial decisions I’ve had to make, as it’s an irrevocable ch...

Blake7

How is this calculated? Seems a bit sketchy information. Let's say you have a password that takes 25 seconds to guess in that chart. Is Amazon or some other website really going to let some hacking program send thousands of queries to the same account without reacting? Seems internet security would...

Blake7

This may be of interest:

Blake7

I’d recommend you look at Ting Mobile (ting.com). l’ve been with them 5 years and they’re great. Ting has just announced new plans (unlimited calls and texts, and choose how you want your data). Our account has 3 phones, two are on Verizon’s network, and one on T-Mobile. Thank you so much for shari...

Blake7

I’d recommend you look at Ting Mobile (ting.com). l’ve been with them 5 years and they’re great. Ting has just announced new plans (unlimited calls and texts, and choose how you want your data). Our account has 3 phones, two are on Verizon’s network, and one on T-Mobile.

Blake7

Deleted

Blake7

I’d put it towards the mortgage. Maybe also refi into a 15 or 10 yr with a better rate? Your rate is good, however, so keeping the 30 yr and paying extra is also a good option IMO.

Blake7

I’ve had good experience buying from Dell directly. You can buy from Amazon through Dell’s Store there. I’ve purchased Apple products from the Apple Store on Amazon, and gotten much better prices sometimes. I’m fine buying either way, as long it’s the manufacture’s bona fide store on amazon, and not...

Blake7

I feel somewhat educated on bourbon, but not very much so on scotch. Can you tell me what you get out of blended scotch in particular? Is it that it's cheaper than single-malt ... Makers of blended scotch have a wider palette to choose from when creating their product. This makes it easier to produ...

Blake7

Agreed with the forum that Jack Walker Black is as satisfying, complex and consistent a blended scotch as anything comparable on the market, and it's been that way for decades. Red label is not nearly as interesting, and Green label is actually a blended malt (all malts, no grains) and has not been...

Blake7

I generally like single malts. Nothing fancy; Glenmorangie 10yr old will do. However, I came across Cutty Sark Prohibition Edition about a year ago, which is a 100-proof blend, and really liked it (so much, I ended up buying quit a few cases of it on sale for $11.99 at a local liquor store). It norm...

Blake7

+1 on the double Citi compromise. Went years without one, then it happened, got new cards, and they were also compromised within weeks. Transactions all occurred in another state we hadn’t been to.

Blake7

+1 on the QHD. I have a 32” ViewSonic that I use for my work monitor during the day, and for watching TV using a Roku in the evening. Love it for both uses.

Blake7

Just researched bourbon recently as I wanted a break from scotch. I’ve never purchased bourbon before, but have tried it on several occasions. I settled for Wild Turkey 101, as it got good reviews and is not too sweet. $18.99 at Trader Joe’s yesterday. It’s surprisingly good, especially for the price.

Blake7

Do you have a neighbor close by?

Blake7

Spouses are liable for each other’s debts generally, after that any outstanding debts come out of their estate. This is assuming the debt is legit and payable and cannot be negotiated away. This is not the law in most states. Gill I should have worded it better. About 9 states are community propert...

Blake7

BarbBrooklyn wrote: ↑Mon Sep 21, 2020 6:41 am
Blake7 wrote: ↑Mon Sep 21, 2020 6:31 am ^{Spouses are liable for each other’s debts generally}
This NOT true in all states.

Hence the word “generally.” There other situations where the spouse may not be liable as well.

Edit: I missed the OP is in NJ, which is not a community property state, in which case the spouse may not be liable.

Blake7

Spouses are liable for each other’s debts generally, after that any outstanding debts come out of their estate. This is assuming the debt is legit and payable and cannot be negotiated away.

Blake7

I couldn’t find anything much out there. Do you have an old smartphone you can put the GV app on? Just wondering why you don’t want the GV app on your main smartphone? Keep in mind Google is known to pull support for things (including the Obihai temporarily in the past), maybe something to think abo...

Blake7

With retirement around the corner and a bit earlier than some (mid 50s), I’ve given much thought to “will I regret it.” Will I get bored or thrive, etc? I just keep coming to the same conclusion that delaying retirement is not the answer, because I’ll just be facing the same situation at a later dat...

Blake7

I have some experience is this area, so here’s a primer: Anyone can file a suspected child, dependent adult, or elder abuse report for any reason. Some people in certain occupations are mandated to do so. It’s usually handled at the county level by the social services agency (SSA). One can also repo...

Blake7

Once all the fun spending--and I find it interesting that you don't include vacations and eating out in this category, which clearly falls under discretionary for most BHs--starts eating into your savings rate, that's the time to hit the spreadsheet and juggle the numbers. We do actually consider v...

Blake7

I’d just file your taxes had no rollover occurred. Then wait (i.e., do not try and take care this preemptively with the IRS). You will probably get an audit letter from the IRS later for additional taxes and penalties, unless you can justify what is on your tax return is correct. Respond at that tim...

Blake7

Once all the fun spending--and I find it interesting that you don't include vacations and eating out in this category, which clearly falls under discretionary for most BHs--starts eating into your savings rate, that's the time to hit the spreadsheet and juggle the numbers. We do actually consider v...

Blake7

Thanks everyone. I found the range of responses interesting. I figured I’d address some of the responses in a single post: 1) Several people said they don’t worry about tracking discretionary spending. I get that it’s one less thing to do, especially for people who are perhaps very well off and thei...

Blake7

Ya, Chex is easy. Only thing I don't like about them is they mail you a PIN. I never got the PIN the first time, and didn't realize it, so was delayed a new account while waiting for them to send me a replacement. Interesting. We’re still waiting on one family member’s PIN in the mail. I have a fee...

Blake7

Our family did a Chex freeze. Very easy to do (they all are relatively, except for Equifax which can be problematic). Our prior credit union did a Chex pull when we opened accounts, but Wells Fargo doesn’t appear to from recent experience. I’d definitely do a freeze. Also do one for Innovis (the fo...

Blake7

After making sure everything is funded and the bills are paid, whatever is leftover in the checking account is our fun money. No need to budget it. We actually never budgeted. The only reason decided to for the fun money portion is to: 1) “force” ourselves to enjoy money a bit more. Without budgeti...

Blake7

DW and I recently decided that although we live well, we want to implement a “fun money” monthly allowance. Just to get this out the way: we have zero debt (inc. paid for home), retirement (pre-tax and Roth IRA) are being maxed, 529 is fully funded, and we have a two-comma portfolio that will provid...

Blake7

Our family did a Chex freeze. Very easy to do (they all are relatively, except for Equifax which can be problematic). Our prior credit union did a Chex pull when we opened accounts, but Wells Fargo doesn’t appear to from recent experience. I’d definitely do a freeze. Also do one for Innovis (the fou...

Blake7

Prices on webcams have gone up substantially due to pandemic-driven demand (many people working from home). Some camera makers have created drivers that turn non-webcams into web cams to help with the shortage. E.g. Wyze : https://www.theverge.com/2020/3/31/21202022/wyze-firmware-update-webcam-secu...

Blake7

Prices on webcams have gone up substantially due to pandemic-driven demand (many people working from home). A basic Logitech webcam with a built-in mic is all you need, like the Logitech C310. The C310 is 720p HD, but even a VGA resolution webcam will be fine for your situation, if you can find one,...

Blake7

I’ve used GV since Google rolled it out and it’s been reliable.

Blake7

I think you covered all the options. I’d go with leaving it at CalSTRS for a while and see if the option to rollover into a 401k/403b happens.

Blake7

Netflix has the deepest selection, if you want to pick one. More than enough content for our family, and our only service. However, there may be a specific series you may want, but can only get on other services. We just settle for what’s on Netflix (and sometimes what’s free on other Roku channels).

Blake7

10% of Oregon’s population is under fire evacuation right now, and the air quality is extremely poor. I’d stay away until this mess is over.

https://fire.airnow.gov/

Blake7

Good articles that bring together the usual arguments on both sides, and maintains my cognitive dissonance on the foreign vs. domestic issue.

Blake7

Deleted (ladygeek fixed the links).

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