Search found 249 matches

by JediMisty
Fri Aug 16, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Niece divorce - house questions
Replies: 44
Views: 3746

Re: Niece divorce and house

…. best thing you can do is stay out of it completely - and it is impossible to answer right now as there is too many 'it depends' (which state, when the house was purchased, length of the marriage, etc). One thing I would say is that my MIL worked as divorce financial planner (specialized sub fiel...
by JediMisty
Fri Aug 16, 2019 7:33 am
Forum: Personal Investments
Topic: Should we stop contributing to our Roth's?
Replies: 15
Views: 1420

Re: Should we stop contributing to our Roth's?

You have $365K taxable. Just pull from there, especially if you have any losses to harvest. +1. If you contribute to your Roth and need cash, taking from your taxable is more tax efficient unless you have huge unrealized gains. Your taxable will then throw off less capital gains while the equivalen...
by JediMisty
Wed Aug 14, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: $34 per year to reduce auto deductible by $500
Replies: 31
Views: 2337

Re: $34 per year to reduce auto deductible by $500

You'll have to go nearly 15 years without a claim to break even. Yes and no. There are a lot of minor repairs that fall between $500 and $1000. I've had several. Let's say I pay that extra $34 per year for $500 deductible and somebody dents my car twelve months later, which is a $900 repair. Scenar...
by JediMisty
Wed Aug 14, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 243
Views: 5148

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

I am thinking of having no credit cards. Why? There's very little risk, and lots of convenience. I pay for almost everything with a credit card, and pay the balance in full each month, plus get cash back on purchases. You don't have to wait until your statement comes due to pay off the balance. You...
by JediMisty
Mon Aug 12, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Should college student major in environmental science?
Replies: 49
Views: 2744

Re: Should college student major in environmental science?

I am near retirement in the environmental field. Absent working for big business helping with permitting, the jobs are scarce. It was a booming field in 1980 when I started working, but has been circling the drain since the early ninties.
by JediMisty
Mon Aug 12, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 314
Views: 23433

Re: Social Security -- Take it at 62, 67 or 70

My point is that heavily spending down your portfolio, and depending on the SS program to NOT change could entail some risk. What counts as “heavily spending down”? In our case, the SS benefits foregone by both of us waiting from age 62 to 70 amount to roughly 10% of our financial assets when the y...
by JediMisty
Mon Aug 12, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Negotiation Came to a Halt
Replies: 67
Views: 5028

Re: Real Estate Negotiation Came to a Halt

I'm interested in a home that is listed for $999,000. It has been listed since early April. The sellers have decreased the list price from $1.15mm to $1.075mm to $999k. They had a deal in place that fell through when the listing was at $1.075m. The opposing realtor told my realtor it was under $950...
by JediMisty
Mon Aug 12, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Is "My Social Security" online worth signing up for
Replies: 31
Views: 2713

Re: Is "My Social Security" online worth signing up for

if your credit is frozen, that might be the reason you can't create an account. I had to go into the SS office and get a temporary reset PW to activate my account. It didn't take long. My credit is frozen, too. Since I've flubbed my PW, I was told I need to go to the SS office in person to have it ...
by JediMisty
Fri Aug 09, 2019 4:51 pm
Forum: Investing - Theory, News & General
Topic: "Locking in Gains" and How to Do So
Replies: 17
Views: 1996

Re: "Locking in Gains" and How to Do So

I can only think of one situation where it applies: when you win the game and adjust your allocation towards your new risk profile. Other than that, locking the gains has very little meaning. This. Agree. When the stock had a good run this year, I exchanged some us index stock funds with index bond...
by JediMisty
Fri Aug 09, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3122

Re: Have you skipped a flight segment to save on airfare?

An article about hidden city tickets... https://thepointsguy.com/news/hidden-city-ticket-crackdown/ Am I the only one that believes the airline should have no right to punish us for only using part of the product we pay for? If I buy a suit on clearance, does the store have a right to force me to w...
by JediMisty
Fri Aug 09, 2019 12:11 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Worth it?
Replies: 176
Views: 10214

Re: Tax Loss Harvesting Worth it?

I did TLH in 2018 to stay under the MAGI threshold to qualify for a ROTH IRA contribution. I had in previous years taken some weeks off without pay, but the 401k matching and calculations toward vacation at the Megacorp which bought my Megacorp made this practice less worthwhile. Working a full year...
by JediMisty
Fri Aug 09, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3122

Re: Have you skipped a flight segment to save on airfare?

An article about hidden city tickets... https://thepointsguy.com/news/hidden-city-ticket-crackdown/ Am I the only one that believes the airline should have no right to punish us for only using part of the product we pay for? If I buy a suit on clearance, does the store have a right to force me to w...
by JediMisty
Fri Aug 09, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3122

Re: Have you skipped a flight segment to save on airfare?

An article about hidden city tickets... https://thepointsguy.com/news/hidden-city-ticket-crackdown/ Am I the only one that believes the airline should have no right to punish us for only using part of the product we pay for? If I buy a suit on clearance, does the store have a right to force me to w...
by JediMisty
Fri Aug 09, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Do You Order "the Special" at Restaurants?
Replies: 50
Views: 4067

Re: Do You Order "the Special" at Restaurants?

It depends. When I hear the special, I ask questions about items of interest regarding the price and how they differ in ingredients or amount of food. As I am a light eater, I prefer grilled foods and smaller quantities. Then I make the decision on a case by case basis. When I can't hear the special...
by JediMisty
Wed Aug 07, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 143
Views: 14171

Re: What is your hobby and how did it come to be your hobby?

Scubadiving - I picked this up when my then girlfriend (now wife) and her father introduced me to it. Been inactive in recent years but will be getting back in the water soon as our oldest is pursuing a junior scuba certification. Skiing - In past years this was limited to a one week annual ski tri...
by JediMisty
Wed Aug 07, 2019 6:44 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 143
Views: 14171

Re: What is your hobby and how did it come to be your hobby?

Scubadiving - I picked this up when my then girlfriend (now wife) and her father introduced me to it. Been inactive in recent years but will be getting back in the water soon as our oldest is pursuing a junior scuba certification. Skiing - In past years this was limited to a one week annual ski tri...
by JediMisty
Mon Aug 05, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 143
Views: 14171

Re: What is your hobby and how did it come to be your hobby?

Scubadiving - I picked this up when my then girlfriend (now wife) and her father introduced me to it. Been inactive in recent years but will be getting back in the water soon as our oldest is pursuing a junior scuba certification. Skiing - In past years this was limited to a one week annual ski tri...
by JediMisty
Thu Aug 01, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Day care vs nanny for child care
Replies: 62
Views: 3334

Re: Day care vs nanny for childcare

Just curious what others would do. If cost was not an issue, do you think a child is better off with a one on one nanny? I guess parents can have more control over who the nanny is. Or do you think a child is better off in a really good day care where he/she can develop social skills while interact...
by JediMisty
Thu Aug 01, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Don't store stuff in trash bags.
Replies: 19
Views: 2433

Re: Don't store stuff in trash bags.

I am slowing cleaning out my attic, filling up the extra space in my trash cart and recycle cart on a weekly basis. Thrash bags disintegrate after a while and make a mess when you touch them or just crumble on their own. Cardboard boxes also rot and lose strength, but not as fast (I think). Heavier...
by JediMisty
Thu Aug 01, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 314
Views: 23433

Re: Social Security -- Take it at 62, 67 or 70

Frankly, I think without knowing how long you will live an optimal SS question is impossible to answer. Personally, I started at 65 as I didn't want to sell down assets/liquidity/investments at that point in time. The result of that was being fully invested in Mr. Market for the last 6.5 years whic...
by JediMisty
Wed Jul 31, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide what car to buy for your kid
Replies: 91
Views: 3884

Re: How do you decide what car to buy for your kid

I am purchasing a car for my son (he is 17) for when he graduated high school. He recently got accepted to a college out of state and I want to make sure he is able to get to work and class as needed (or drive home of course :D ). My husband and I keep going back and forth on what car we want to bu...
by JediMisty
Wed Jul 31, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94518

Re: What frugal thing did you do today?

I have signed up for my body to go to the local medical school. Hopefully not this one ... Man who donated his mother's body to an Arizona center for Alzheimer's research discovers it was sold on to the US Military for $6,000, strapped to a chair and blown up in 'blast test' (Daily Mail) Lol. I'll ...
by JediMisty
Tue Jul 30, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: What is the official bogleheads home fire extinguisher?
Replies: 52
Views: 2462

Re: What is the official bogleheads home fire extinguisher?

I would like to purchase at least two for a two story home that I recently purchased. Would it be overkill to have three, one dedicated to outdoors for a potential propane gas grill disaster? If I have one dedicated for outdoors should it be kept indoors in cold weather? As you can probably tell fr...
by JediMisty
Tue Jul 30, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Please help with vacation locations
Replies: 45
Views: 2097

Re: Please help with vacation locations

So finally our finances and life are relatively on track. We are US citizens for about a year now and would like to spend around $2K to $4.5K annually for vacationing. We are 40 yrs couple, don't have children, so children only places could be crossed out. We like moderate adventures, but not crazy...
by JediMisty
Tue Jul 30, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Shot myself in the foot (401k matching)
Replies: 18
Views: 2563

Re: Shot myself in the foot (401k matching)

SpiritRider is the expert. Maybe he will chime in. But, I believe that you are SOL on this. BTW, my megacorp gives out our match per paycheck (5%), so we have to contribute to pre-tax at least 5% each paycheck to get the full match. Layoffs are imminent next March when my Megacorp's Federal contract...
by JediMisty
Mon Jul 29, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Requesting real-estate advice--first-time homebuyer in a peculiar quandary thanks, ironically, to father's beneficence
Replies: 37
Views: 2702

Re: Requesting real-estate advice--first-time homebuyer in a peculiar quandary thanks, ironically, to father's beneficen

The biggest risk in these kind of situations is a divorce, from either your current spouse or a future spouse. If it's a loan there's some chance of holding onto the some of the funds if the property is sold in divorce proceedings. If the money is just a gift to you and likely gets converted to com...
by JediMisty
Mon Jul 29, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94518

Re: What frugal thing did you do today?

[quote=littlebird post_id=4459731 time=1553712014 user I have signed up for my body to go to the local medical school. Locally, one must pre-apply. One's SO must pay for the transport, but the cremation after they're done is at their expense. It's all arranged. I am seriously considering the same t...
by JediMisty
Mon Jul 29, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94518

Re: What frugal thing did you do today?

Am getting my spouse’s cremated remains back today. After sending his body to the crematorium, I was solicited to donate it for research. I am extremely interested in the effort to find a cure for Alzheimer’s, and although he did not have Alzheimer’s, he did have a neurological disorder. So, I was ...
by JediMisty
Mon Jul 29, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7047

Re: Do you buy the highest trim car ?

I have a short commute so I buy the lowest trim level. I bought a 2012 Camry in 2013. Came with a sunroof and driver's assist electric seats. No Nav system or extra gadgets. 8k miles and saved over 20% off list of a new one. I don't like leather seats. Cold in the winter and hot in the summer. App. ...
by JediMisty
Sun Jul 28, 2019 1:45 pm
Forum: Personal Investments
Topic: VBLTX/VBLAX 0.50% fee on all purchases of Inv, Adm, Inst, &Inst Plus Shares (does not apply to reinvested dividends)
Replies: 16
Views: 1246

Re: VBLTX/VBLAX 0.50% fee on all purchases of Inv, Adm, Inst, &Inst Plus Shares (does not apply to reinvested dividends)

mariezzz wrote:
Sun Jul 28, 2019 1:19 pm
JediMisty wrote:
Sun Jul 28, 2019 1:17 pm
I don not see this when I look at VBTLX.
VBLTX, not VBTLX. Vanguard Long-Term Bond Index Fund (not Total Bond market)
Go to the Vanguard link above - you'll see it.
:oops:
by JediMisty
Thu Jul 25, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: How do you deal with looking bad compared to others?
Replies: 77
Views: 5012

Re: How do you deal with looking bad compared to others?

It's not about keeping up or anything. Your friends/family that do this are jerks. You recognize this, but instead of addressing the nasty snide behavior, you feel the need to ignore and let them keep making nasty rude remarks. So either laugh it off and make it a joke or nicely and firmly call the...
by JediMisty
Mon Jul 22, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Will Tall Fence Lessen Neighboring Dog Bark Noise?
Replies: 54
Views: 2928

Re: Will Tall Fence Lessen Neighboring Dog Bark Noise?

The dogs were there first. Let them be. Don't be the new business owner that asks neighboring residents to change their lifestyle to fit your business needs. And when those dogs die or escape, they will be replaced by similar dogs. If the current level of barking is a deal-breaker, walk away and do...
by JediMisty
Thu Jul 18, 2019 7:49 pm
Forum: Personal Investments
Topic: Just sat through a wealth-management sales pitch.
Replies: 96
Views: 10098

Re: Just sat through a wealth-management sales pitch.

+1 I was asked for a friends teenager's summer job to come over so he could "practice" his sales pitch of over priced knives. I reluctantly agreed after it was stressed repeatedly that I wasn't going to be asked to buy... "Not really". The exercise was to express misgivings so he could "practice". ...
by JediMisty
Thu Jul 18, 2019 1:27 pm
Forum: Personal Investments
Topic: Just sat through a wealth-management sales pitch.
Replies: 96
Views: 10098

Re: Just sat through a wealth-management sales pitch.

I just sat through 1-hour wealth-management sales presentation phone-call with a well-established 1% manager firm. It was a favor to a family friend whose daughter just started with that firm fresh out of college, and needed to meet a first month pitch quota. I respectfully disagree with this premi...
by JediMisty
Thu Jul 18, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2923

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

Looking at 2 options: (A) Paying the $650 (on top of $400+ for kit I bought) or (B) Returning kit and sticking w/extension cords to power portable generator. (What we've done in past.) (C) back feed house thru the dryer outlet. Yes, make sure the main breaker is off to save a linesman life. That's ...
by JediMisty
Wed Jul 17, 2019 5:29 pm
Forum: Personal Investments
Topic: What is your Re-balancing Trigger?
Replies: 28
Views: 1911

Re: What is your Re-balancing Trigger?

I use a relative +- 10% to rebalance. Like another poster, I use Google sheets and my spreadsheet shows calculates the balances and current allocations automatically. As my portfolio is close to 2mm, current contributions aren't enough to rebalance. I also direct dividends to my settlement account a...
by JediMisty
Wed Jul 17, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Having second thoughts about Personal Capital
Replies: 30
Views: 3070

Re: Having second thoughts about Personal Capital

From Vanguards terms of service.(my red coloring) https://about.vanguard.com/terms-conditions.html You are responsible for maintaining the confidentiality of any account information, user names, logins, passwords , and security questions and answers that you use to access any page or feature on thi...
by JediMisty
Tue Jul 16, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Being a hands off homeowner
Replies: 51
Views: 3747

Re: Being a hands off homeowner

If i were to buy a house or a condo how realistic is it that I could pay someone to do these various tasks without getting the run around or taken advantage of financially? To very clearly answer this specific question...it is almost COMPLETELY UNREALISTIC. There are several reasons for this... - T...
by JediMisty
Mon Jul 15, 2019 11:00 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5299

Re: Phase out EF?

At what point might it make sense to fold your EF into your taxable? Let’s ignore tax-advantaged accounts and short term cash liabilities (e.g., I know I need to spend X on Y soon). I often struggle with holding so much “cash”. For those of you who don’t carry an EF in “cash”, at what point did you...
by JediMisty
Mon Jul 15, 2019 9:35 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5299

Re: Phase out EF?

At what point might it make sense to fold your EF into your taxable? Let’s ignore tax-advantaged accounts and short term cash liabilities (e.g., I know I need to spend X on Y soon). I often struggle with holding so much “cash”. For those of you who don’t carry an EF in “cash”, at what point did you...
by JediMisty
Sat Jul 13, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 7863

Re: Has anyone inherited a obligation/burden/responsibility?

I have had a series of burdens passed on to me as a result of family deaths in the past 11 years. My kid brother was killed in a traffic accident in south Florida 11 years ago. At the time, my parents were still living, but were too old/poor to deal with any of the arrangements. I was not close wit...
by JediMisty
Sat Jul 13, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 63
Views: 4844

Re: "Objective" Importance of Keeping Your Physicians?

It's helpful to see the same physician over time. He'll know your history from firsthand experience, rather than piecing it together from records which may be more or less comprehensive, but will never be as useful as the firsthand experience. This continuity frequently improves the quality of care...
by JediMisty
Fri Jul 12, 2019 7:50 pm
Forum: Personal Investments
Topic: is Vanguard Flagship service better? (I sure hope so)
Replies: 28
Views: 2976

Re: is Vanguard Flagship service better? (I sure hope so)

In my effort to adhere to the BH way and simplify, I decided to consolidate my T Rowe Price Roth IRA account with my Roth IRA account at Vanguard. I went to Vanguard's "online IRA transfer" site and started putting in all the information. The Vanguard website says "if you want to sell your securiti...
by JediMisty
Fri Jul 12, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: At What Age or Point in your Career did your investments start outweighing your regular paychecks?
Replies: 85
Views: 11519

Re: At What Age or Point in your Career did your investments start outweighing your regular paychecks?

I know this question is sort of vague but at what point did the earnings from your investments significantly outweigh any regular income you receive from your 9-5 job? I am still youngish at 29 but with 100k in investments, it already feels more significant than my 60k a year in salary income. Or a...
by JediMisty
Thu Jul 11, 2019 2:45 pm
Forum: Investing - Theory, News & General
Topic: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?
Replies: 22
Views: 2226

Re: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?

My legacy megacorps employer offered it. Was bought by another megacorps who didn't offer it. I joined the chorus of folks from the legacy megacorps requesting it before the purchase transaction moved us all to the new plan. We got it including in plan Roth conversions available and up to 90% of com...
by JediMisty
Thu Jul 11, 2019 2:09 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 58611

Re: Your USER NAME...what does it mean?

One of our system's team put my name (Misty) on my VOIP phone as "JediMisty". He also named his son "Luke". You know why. :beer
by JediMisty
Thu Jul 11, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 7863

Re: Has anyone inherited a obligation/burden/responsibility?

My Dad made me "remainderman" on his POS trailer and land in the middle of nowhere in Florida. His awful widow and one of her several children have life estates on the property. There will be a hassle to actually acquire the property. His widow filed a fake deed three weeks after my Dad's death in 2...
by JediMisty
Thu Jul 11, 2019 6:17 am
Forum: Personal Investments
Topic: Not happy with one FA allocation: PBRIX
Replies: 37
Views: 2068

Re: Not happy with one FA allocation: PBRIX

When you contract with a FA, you are making a bet that he/she will beat the market. Additionally, the FA has to beat the market while recouping his/her fees. Additionally, FAs will put you in funds with higher fees (often with front and/or back loads), so they have to beat the market while recoupin...
by JediMisty
Tue Jul 09, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Having second thoughts about Personal Capital
Replies: 30
Views: 3070

Re: Having second thoughts about Personal Capital

From Vanguards terms of service.(my red coloring) https://about.vanguard.com/terms-conditions.html You are responsible for maintaining the confidentiality of any account information, user names, logins, passwords , and security questions and answers that you use to access any page or feature on thi...