Search found 528 matches

by CobraKai
Wed Nov 25, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth paying extra for more long term disabillity insurance?
Replies: 20
Views: 1713

Re: Is it worth paying extra for more long term disabillity insurance?

Thanks for the responses and information.

I think I will go ahead and purchase the extra coverage.

In the future, will look into getting my own policy. Didn't realize that it is so expensive!
by CobraKai
Wed Nov 25, 2020 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth paying extra for more long term disabillity insurance?
Replies: 20
Views: 1713

Re: Is it worth paying extra for more long term disabillity insurance?

I would suggest buying your own policy if you can. I like to use this comparison: Life insurance is simple - you die, they pay a claim, you live, they don't. DI is much more complex as there are a lot of moving parts that determine how much you get paid, when you get paid, and for how long you get ...
by CobraKai
Fri Nov 20, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth paying extra for more long term disabillity insurance?
Replies: 20
Views: 1713

Re: Is it worth paying extra for more long term disabillity insurance?

Not sure if this helps, but now that I have a high-level position (Director) and am in those critical years between having FU money but not basic financial independence yet, I decided to get my own disability insurance for a 10-year term. It is true own-occupation and would pay out around 65% of cu...
by CobraKai
Wed Nov 18, 2020 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth paying extra for more long term disabillity insurance?
Replies: 20
Views: 1713

Is it worth paying extra for more long term disabillity insurance?

My insurance coverage includes long term disability insurance that covers 50% of my salary.

For approx $20 per month, I can bump that up to 60%.

Is this worth considering or should I be looking for my own policy (outside of employer) if I were to expand this coverage?
by CobraKai
Sun Jun 07, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Do you feel safe going to a hair salon or barber shop?
Replies: 32
Views: 1702

Do you feel safe going to a hair salon or barber shop?

I am going back to the office soon and long overdue for a haircut! They recently re-opened the hair salons and barber shops in my state. I have heard that some have plexiglass and require wearing masks. W With that being said, it is impossible to get a haircut from 6 feet away. Are you comfortable g...
by CobraKai
Mon Apr 20, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

if they are near a structure (garage) or power line then def look at taking down. EAB is a big possibility w/ the ash. You could pay just to have them dropped, then you cut up & clean up on your own once they're on the ground (saves $$). As you're rural, sounds like you could burn the brush/log...
by CobraKai
Mon Apr 20, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

Is it necessary to get these trees cut down ASAP? Or is it too much of a risk by putting this off longer? There isn't much risk if a bucket truck is used because they cut the tree from the top down so it really doesn't matter if it is dead of for how long. However, word of caution since there is at...
by CobraKai
Mon Apr 20, 2020 11:43 am
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 789
Views: 181591

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

I wonder the same thing-- I'm feeling nervous about anything in my portfolio with LTT exposure. I haven't heard any really good commentary (from someone like Browne, Swedroe etc.) on whether LTT still fits. I too would be very interested in what Browne had to say, but unfortunately he is no longer ...
by CobraKai
Wed Apr 15, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

The poison ivy sprays which are designed to take out tough brush should not affect the trees if applied correctly. The spray is applied to the leaves which then goes to the roots. I have applied this to poison ivy without any apparent affect on the trees. It might have been a coincidence then. The ...
by CobraKai
Wed Apr 15, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: There seems to be a big market for home fitness equipment
Replies: 24
Views: 1456

Re: There seems to be a big market for home fitness equipment

If anyone has some spare fitness equipment laying around and looking to make some money, there is a lot of demand for it right now. A 300 pound Olympic set that previously sold for anywhere from $200 on is now being advertised on Ebay and Craigslist for $800! Someone posted on Craiglist (equipment ...
by CobraKai
Wed Apr 15, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: There seems to be a big market for home fitness equipment
Replies: 24
Views: 1456

Re: There seems to be a big market for home fitness equipment

I would feel infinitely safer doing a 1-on-1 transaction with hard cash (and care as noted above) than I do going to the grocery store right now, especially the significant amount of time spent directly across from the cashier (who does that with hundreds of people a day). Makes sense, although man...
by CobraKai
Wed Apr 15, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

As with most things, sooner is generally better than later, but I would not dip into your emergency fund in order to do this, and I'd go as far as waiting until your income is back and replenishing any savings drawdowns that occurred during your furlough before worrying about this -- unless, of cou...
by CobraKai
Wed Apr 15, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

With 12 oaks, loblolly pines and a sweetgum on my property, I am learning more about trees than I ever wanted to know. If you don't care where they fall, but do want them out eventually, there will come a time in a year or two, perhaps sooner or later depending on the tree and its size, where remov...
by CobraKai
Wed Apr 15, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

I've had some bad luck with trees over the past 18 months or so. A couple of big trees died in the past year and I lost one prior to it.... By the time I return to work, the trees will be more difficult to cut down with growth and perhaps even some poison ivy around the trees. If I can find an alte...
by CobraKai
Wed Apr 15, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

The longer you wait, the more expensive it can be to cut down a dead tree. It depends on the species. Some stay "safe" for years. Others decay really fast and become unsafe for the tree service to climb. Once a tree is unsafe to climb, a tree service will have to use other methods to acce...
by CobraKai
Tue Apr 14, 2020 11:08 pm
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

One thing to watch for is that if it falls it could take other trees down with it. I once had a very large tree on the back of my property come down into another tree then another and another. They were like dominoes. We got lucky and it only took out one section of a fence but it cost several thou...
by CobraKai
Tue Apr 14, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: There seems to be a big market for home fitness equipment
Replies: 24
Views: 1456

Re: There seems to be a big market for home fitness equipment

"Advertised" can have little correlation to what something sells for :) I have sold about 10 things on CL/FB, etc over the last week. Most of them patio pickup, but two more expensive items, including a guitar, today - person. Outside of handing over the money, we never get within 6 feet....
by CobraKai
Tue Apr 14, 2020 10:45 pm
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

Figaro wrote: Tue Apr 14, 2020 10:34 pm Call up your utility company. They are more interested in being sure the tree doesn't ruin their infrastructure. They will do it for free.
Even if it's clearly on my property and not next to the line?
by CobraKai
Tue Apr 14, 2020 10:44 pm
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

Being in a more rural area, as you say, consider leaving up as much of the tree as possible to foster wildlife with this unique habitat. Woodpeckers and wood ducks are two which come to mind as utilizing dead trees and they as well as others are fascinating to watch throughout the seasons. There is...
by CobraKai
Tue Apr 14, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

If they're not a significant danger to people or property, there's no need to take them down. You might not want to take them completely down in any case — there are a number of species of birds, for example, that benefit from having standing dead trees around for nesting . I wouldn't say significa...
by CobraKai
Tue Apr 14, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: There seems to be a big market for home fitness equipment
Replies: 24
Views: 1456

There seems to be a big market for home fitness equipment

If anyone has some spare fitness equipment laying around and looking to make some money, there is a lot of demand for it right now. A 300 pound Olympic set that previously sold for anywhere from $200 on is now being advertised on Ebay and Craigslist for $800! Someone posted on Craiglist (equipment w...
by CobraKai
Tue Apr 14, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

Re: At what point is it necessary to cut down dead trees?

I would say to cut them down as soon as your income comes back. Or sooner if there is a clear hazard to people or expensive property. I'm still being paid full salary until vacation time and sick time is depleted at the end of the month. By the time I return to work, the trees will be more difficul...
by CobraKai
Tue Apr 14, 2020 10:17 pm
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2682

At what point is it necessary to cut down dead trees?

I've had some bad luck with trees over the past 18 months or so. A couple of big trees died in the past year and I lost one prior to it. While I have the time to cut down the bigger trees (due to being furloughed), I'm not even going to attempt it. I was going to hire someone last year but had a har...
by CobraKai
Tue Apr 14, 2020 9:50 pm
Forum: Personal Consumer Issues
Topic: How are using any additional time available during Stay at Home
Replies: 3
Views: 426

Re: How are using any additional time available during Stay at Home

I'm sure that anyone who owns a house has plenty of yard work/house work to do. I've been off several weeks and haven't even scratched the surface of what needs to be done. Not sure how I manage to keep up with things while working.
by CobraKai
Fri Apr 10, 2020 11:48 am
Forum: Investing - Theory, News & General
Topic: We are in a full-blown Depression
Replies: 95
Views: 8250

Re: We are in a full-blown Depression

Xrayman69 wrote: Fri Apr 10, 2020 7:01 amI suspect that unemployment will be at least 25% by the numbers reported but likely greater than 30%.
Those are Great Depression-like numbers.
by CobraKai
Fri Apr 10, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Feeling stuck in career - what did you do to "unstuck" yourself?
Replies: 41
Views: 3841

Re: Feeling stuck in career - what did you do to "unstuck" yourself?

https://www.bogleheads.org/forum/viewtopic.php?f=2&t=311290&newpost=5174957 To get unstuck and switch gear: Get married. Have children. Seriously. Don't begin sentences with the word "Me." I was thinking the same. If you are married to somebody at your level who makes same or more ...
by CobraKai
Fri Apr 10, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Feeling stuck in career - what did you do to "unstuck" yourself?
Replies: 41
Views: 3841

Re: Feeling stuck in career - what did you do to "unstuck" yourself?

livesoft wrote: Thu Apr 09, 2020 6:57 am To get unstuck and switch gear: Get married. Have children. Seriously. Don't begin sentences with the word "Me."
He's looking to unstuck himself from his job, not lock himself into the job even further.
by CobraKai
Fri Apr 03, 2020 7:32 pm
Forum: Personal Investments
Topic: Why Do So Many Recommend 70% - 100% Stocks?
Replies: 167
Views: 9824

Re: Why Do So Many Recommend 70% - 100% Stocks?

I wanted to get you guys' opinion on this. As you know from my prior posts I'm a relatively young investor (36) and it's a pet peeve of mine when people immediately default to telling me that I should be 70% to 100% in equities or I quote, unquote "will never retire". If your income level...
by CobraKai
Sat Mar 28, 2020 11:34 pm
Forum: Personal Investments
Topic: Should I have stuck with the Target 2045 fund?
Replies: 26
Views: 1679

Re: Should I have stuck with the Target 2045 fund?

How do you figure that? The stock-age/age allocation used to be the thing on this forum. The super long bull market seems to have changed a lot of opinions. What was once normal is now considered "off the charts risk averse". Age in bond is a worst piece of advice being repeated over and ...
by CobraKai
Sat Mar 28, 2020 11:03 pm
Forum: Personal Investments
Topic: Should I have stuck with the Target 2045 fund?
Replies: 26
Views: 1679

Re: Should I have stuck with the Target 2045 fund?

How do you figure that? The stock-age/age allocation used to be the thing on this forum. The super long bull market seems to have changed a lot of opinions. What was once normal is now considered "off the charts risk averse". Age in bond is a worst piece of advice being repeated over and ...
by CobraKai
Sat Mar 28, 2020 9:28 pm
Forum: Personal Investments
Topic: Should I have stuck with the Target 2045 fund?
Replies: 26
Views: 1679

Re: Should I have stuck with the Target 2045 fund?

Big believer in target date funds. Finding an allocation you are comfortable with can be tricky. We tend to be comfortable with an aggressive allocation during a bull market, but not during a bear market. We say we are comfortable with a 40% decline, until it actually happens. Some studies have sho...
by CobraKai
Sat Mar 28, 2020 9:22 pm
Forum: Personal Investments
Topic: Should I have stuck with the Target 2045 fund?
Replies: 26
Views: 1679

Re: Should I have stuck with the Target 2045 fund?

Based on past of jumping out in 2008 and staying out for years I would say that you are very risk averse. Yes, although I didn't know any better back then. Lots of people were screaming "Second Great Depression" at the time and I was caught up in that. I wasn't keeping up on my 401 and no...
by CobraKai
Sat Mar 28, 2020 9:18 pm
Forum: Personal Investments
Topic: Should I have stuck with the Target 2045 fund?
Replies: 26
Views: 1679

Re: Should I have stuck with the Target 2045 fund?

My employer switched 401 management companies awhile back. Instead of preserving everyone's AA (mine was 60/40), they everyone was switched to a Target 20xx fund. I looked into the Target fund awhile back and was surprised to see that the allocation was 90/10. I switched it back to 60/40. I am age ...
by CobraKai
Sat Mar 28, 2020 8:43 pm
Forum: Personal Investments
Topic: Should I have stuck with the Target 2045 fund?
Replies: 26
Views: 1679

Re: Should I have stuck with the Target 2045 fund?

You should pick the AA that you are comfortable with. My company switched everyone to the TDF closest to an age 65 retirement. The admin doesn’t have to live with the decision. You do. I’d go with the fund that matched your AA. I made two mistakes in 2008 (at least for me, YMMV): 1) Going all stock...
by CobraKai
Sat Mar 28, 2020 8:36 pm
Forum: Personal Investments
Topic: Should I have stuck with the Target 2045 fund?
Replies: 26
Views: 1679

Re: Should I have stuck with the Target 2045 fund?

jjface wrote: Sat Mar 28, 2020 8:19 pm Be glad you are currently looking at less losses with your 60:40. Now is a good time to change to something more aggressive if that is your risk tolerance. But you don't have to
That is true. It's down just under 20% instead of 30%. It's not ideal but tolerable.
by CobraKai
Sat Mar 28, 2020 8:32 pm
Forum: Personal Investments
Topic: Should I have stuck with the Target 2045 fund?
Replies: 26
Views: 1679

Re: Should I have stuck with the Target 2045 fund?

Don't let the target date funds change the way YOU want YOUR money invested. 60/40 works well enough for almost anyone that isn't retired, and sounds just about right for a 40 year old. If you can stomach it a little more equities is probably fine, but 90/10 is pretty high unless you specifically d...
by CobraKai
Sat Mar 28, 2020 8:14 pm
Forum: Personal Investments
Topic: Should I have stuck with the Target 2045 fund?
Replies: 26
Views: 1679

Should I have stuck with the Target 2045 fund?

My employer switched 401 management companies awhile back. Instead of preserving everyone's AA (mine was 60/40), they everyone was switched to a Target 20xx fund. I looked into the Target fund awhile back and was surprised to see that the allocation was 90/10. I switched it back to 60/40. I am age 4...
by CobraKai
Sat Mar 28, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17976

Re: What will you do first, once COVID pandemic is over?

"Nothing is over" - John Rambo I wonder if this changes society like 9/11 did. We're a more germ conscious society. Before all this, it would irritate me that so few people would wash their hands before eating or preparing food. People seem to be more conscious about the importance of wash...
by CobraKai
Thu Mar 26, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 119
Views: 8003

Re: Is it ever worth purchasing an extended warranty for a vehicle?

To answer your question, I did purchase it. To answer what would likely be your next question, I haven't had to use it yet. I did read the fine print. The warranty didn't cover an oil pan gasket issue that the dealer found when I went in for an oil change, which cost me $400 to fix. Ouch. This is o...
by CobraKai
Thu Mar 26, 2020 7:42 pm
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 110
Views: 20905

Re: Any other investors with 70/30 portfolio?

What happened to the old 100-age/age allocation that used to be recommended? it's a good starting point but you are sure missing out a lot during the bull market and remember bull run is long and bear attack is usually short-lived. This, and life is expensive. I haven’t run the numbers, but having ...
by CobraKai
Thu Mar 26, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Take out food vs COVID 19
Replies: 95
Views: 6695

Are you comfortable eating carry outs from a restaurant at this time?

[Thread merged into here, see below. --admin LadyGeek] My first thought was no, I wouldn't - what if the cook is sick (or someone else handling the food or packaging)? OTOH reheating or microwaving the food would kill any germs in the unlikely event that they were to make their way into the food. A...
by CobraKai
Thu Mar 26, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 119
Views: 8003

Re: Is it ever worth purchasing an extended warranty for a vehicle?

I was going to ask you the same question. 6 years is actually 3 years since 6 years is the length of time since the vehicle was sold brand new. It is 3 years old. It's $36 per month if I went with the 6 year/100k/1200 or $39 per month if I went with the 7 year/125k/1800. If I went with the first wa...
by CobraKai
Thu Mar 26, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 110
Views: 20905

Re: Any other investors with 70/30 portfolio?

I do. I'm in my 30s, and it appears I am more conservative than most Bogleheads my age. As Dr. Bernstein said in one of his books, you have to find your equipoise point. For me, 70/30 felt that way after some research and backtesting of portfolios (and looking at my own portfolio's performance over...
by CobraKai
Thu Mar 26, 2020 11:45 am
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 110
Views: 20905

Re: Any other investors with 70/30 portfolio?

I do. I'm in my 30s, and it appears I am more conservative than most Bogleheads my age. As Dr. Bernstein said in one of his books, you have to find your equipoise point. For me, 70/30 felt that way after some research and backtesting of portfolios (and looking at my own portfolio's performance over...
by CobraKai
Tue Mar 24, 2020 1:08 pm
Forum: Personal Investments
Topic: Thread: It’s your First recession (or not) and you’re staying the course
Replies: 65
Views: 3840

Re: Thread: It’s your First recession (or not) and you’re staying the course

This is my first recession. I graduated college in 2012 so I've only known the bull market. The following are keeping me calm: - A fully-funded emergency fund in the form of 8-10 months living expenses in a CD - My high savings rate (>60%) - My job appears to be secure as my employer is cash-rich a...
by CobraKai
Sun Mar 22, 2020 9:58 pm
Forum: Investing - Theory, News & General
Topic: S&P500 and Dow Futures Hit Limit Down After Reaching 5% Down Limit for Monday Open
Replies: 155
Views: 13493

Re: S&P500 and Dow Futures Halted After Reaching 5% Down Limit for Monday Open

geo5000 wrote: Sun Mar 22, 2020 9:20 pm there is single mom tonight laid off who is just concerned about feeding her child for the next few days.
Two parent families don't matter?
by CobraKai
Sat Mar 21, 2020 11:10 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 18561

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

Seeing posts like these, with people spending the weekend watching the news, getting more and more afraid and pondering to leave the market, I'd have a wild guess: The market may take a huge hit on Monday morning, down more than 20% (from here) with all those folks selling. And that may be the bott...
by CobraKai
Sat Mar 21, 2020 10:49 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 18561

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

You may be right and you may be wrong, but you are gambling. Neither you nor I have the ability to know what "The Stock Market" will do next week, because there is too much information for any one person to know and understand. If you think you can, you're wrong, even if you make the righ...
by CobraKai
Sat Mar 21, 2020 10:32 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 18561

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

Also as mentioned I'm 36 and a Millennial, I was not in the market in 2008 because I just didn't have enough to be saving/investing at that time. But I will tell you older investors that a lot (A LOT) of people in my Generation are freaking out right now. We have experienced a very long Bull Market...
by CobraKai
Sat Mar 21, 2020 10:24 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1289
Views: 122252

Re: Well, I am market timing due to coronavirus... Wish me luck.

I did not read anything where anyone claimed to have special powers to time the market. I read that some people evaluated a situation and changed their normal behavior based on information. They do not need to be mocked or criticized because someone else has zero tolerance for the ability to think....