Search found 2619 matches

by texasdiver
Sun Oct 14, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 22
Views: 970

Re: Kaiser or CareFirst

As a Kaiser midwife in NorCal, I'm happy to see all these great recommendations for Kaiser! I needed to undergo cancer treatment 6 years ago and I can't say enough good things about how wonderful it was to everything "integrated." I need of orthopedic surgery in early 2019 and Kaiser will pay for m...
by texasdiver
Sat Oct 13, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5169

Re: Weigh in on our Marital Argument =)-- HCOL edition

If it were me, I'd look at row houses where you could convert the basement into an AirBnB guest suite and then just block out the dates for when your parents come to visit. As your kids get a bit older, put them to work maintaining the AirBnB. It would be a nice little educational job for a middle s...
by texasdiver
Sat Oct 13, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 38
Views: 2409

Re: Pacific Northwest trip

Steer clear of Portland as the crazies seem to have taken over downtown. I'm not sure what you are talking about. My youngest daughter who is 11 likes doing long urban walks for exercise as opposed to hiking or biking which my other daughter and wife prefer. So about once a week I drive in with her...
by texasdiver
Sat Oct 13, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 22
Views: 970

Re: Kaiser or CareFirst

We are currently with Kaiser in the Pacific Northwest. Personally I can't say enough good things about it after many years of various PPOs I had when working as a Fed and in education (Blue Cross, Aetna, and I don't remember who all else). Also have family working for Kaiser so I get to see both si...
by texasdiver
Sat Oct 13, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 22
Views: 970

Re: Kaiser or CareFirst

I really liked CareFirst. Other than the fact that there's a deductible to hit (minimal), their rates are reasonable, and their annual cap is quite low (~$2k/person last time I checked). Most in the District and surrounding areas accept it as well. That said, I really wanted to join Kaiser, but the...
by texasdiver
Sat Oct 13, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 22
Views: 970

Re: Kaiser or CareFirst

We are currently with Kaiser in the Pacific Northwest. Personally I can't say enough good things about it after many years of various PPOs I had when working as a Fed and in education (Blue Cross, Aetna, and I don't remember who all else). Also have family working for Kaiser so I get to see both sid...
by texasdiver
Sat Oct 13, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 40
Views: 2111

Re: What would you do with some bulk silver?

This is a reply I meant for this thread that I erroneously put in a different thread a couple days ago. Some of you might have already seen it in the other thread... "This is the second thread in the past 2 or 3 weeks where a father or grandfather has given directions of what he wants done with his...
by texasdiver
Sat Oct 13, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 38
Views: 2409

Re: Pacific Northwest trip

About 1.5 hours South East from Portland is Silver Falls State Park. It offers an easy seven mile hike called trail of ten falls. The waterfalls are amazing, you walk behind at least three of them. If you like to hike or experience waterfalls this place is not to be missed. Unfortunately a 15 year ...
by texasdiver
Fri Oct 12, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 98
Views: 8673

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

“$1000/month job is worth $300k in retirement funds” Bringing in a $1000 a month would make a huge difference for some people but I would have to question the $300K figure. The math seems straightforward: $1000/month yields $12,000/year=4% withdrawal rate on $300,000 in retirement funds. As for wor...
by texasdiver
Fri Oct 12, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Relaxing in America during this current market drop
Replies: 20
Views: 4077

Re: Relaxing in America during this current market drop

In my early 50s and still buying/saving for at least another 10 years. So every drop in the market is just a buying opportunity. This one was perfectly timed such that the montly 401k contribution went through at close of business yesterday. So it's all good. At least that's what I tell myself. We l...
by texasdiver
Fri Oct 12, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 66
Views: 5898

Re: Just Divorced -- Need Help

You don't want a card that "Looks really freaking cool"

You want the ugliest card you can find, one that you are just embarrased to pull out in public.
by texasdiver
Fri Oct 12, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Can a Person Under 21 Rent a Hotel Room?
Replies: 15
Views: 1473

Re: Can a Person Under 21 Rent a Hotel Room?

Under 18 can be a real problem. But at age 19 you are probably fine. For example, our daughter who was still 17 at the time was in route to college orientation in Arkansas via Texas and my wife was flying out to meet her at DFW and they were going to proceed together by car to Arkansas. Specifically...
by texasdiver
Fri Oct 12, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 38
Views: 2409

Re: Pacific Northwest trip

I've spent a great deal of my life living in both the Portland and Seattle areas. We currently live in the Vancouver area, just across the Columbia from Portland. In terms of things to see and do in both states: 1. Oregon has better beaches and coastline access. Washington has higher and more dramat...
by texasdiver
Thu Oct 11, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 40
Views: 2111

Re: What would you do with some bulk silver?

If he retained a receipt for purchase he could potentially sell them for a loss. If he has a loss he can deduct up to $3,000 a year in these capital losses against his ordinary income and cary any additional losses forward to use then in future years. I would be astonished if he had receipts going ...
by texasdiver
Thu Oct 11, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating amount needed for SS bridge
Replies: 50
Views: 2769

Re: Calculating amount needed for SS bridge

If you are former military, do you have a TSP account and IRAs or 401k funds that you can roll into the TSP? Right now the TSP G fund which is based on the 10-year treasury note is paying about 3.22% and is only likely to go up in the future. With a 3% return from the TSP G-Fund you'd need to have a...
by texasdiver
Thu Oct 11, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 40
Views: 2111

Re: What would you do with some bulk silver?

What does "pass it down" mean to dad? It might mean holding the stuff as is to pass on or it might mean cashing it out and passing on the money. +1. It means most likely to hold it and give it to them one day so they remember their grandfather. I looked at silver prices and they seem pretty mediocr...
by texasdiver
Thu Oct 11, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 1818

Re: Considering new Honda Pilot, other suggestions?

Another Portland area resident here. We bought a 2014 Highlander Limited which is when the current body style just came out and have about 60,000 miles on it. We live in a hilly part of the metro area (top of the hill in Camas) and my wife is in medicine so absolutely has to be able to get out on sn...
by texasdiver
Thu Oct 11, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 40
Views: 2111

Re: What would you do with some bulk silver?

Then take the lot to a couple of coin dealers to see if any of the coins are interesting and pawnshops for buying quotes and sell to the highest offer. I seriously doubt that there are any coins that are rare or have numismatic value because I know for certain that he bought them all back in the 80...
by texasdiver
Thu Oct 11, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 40
Views: 2111

Re: What would you do with some bulk silver?

What does "pass it down" mean to dad? It might mean holding the stuff as is to pass on or it might mean cashing it out and passing on the money. There's no sentimental value. He got caught up in the silver craze in the early 80s (or whenever that was) and bought a bunch. Since then it's just been i...
by texasdiver
Thu Oct 11, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 40
Views: 2111

What would you do with some bulk silver?

Not sure if this is a "personal investments" or consumer question. My parents are downsizing in prep for moving into a retirement community and my dad showed up the other day with a box of some bulk silver. Some silver bars and some plastic tubes of old "junk" silver dollars that he bought a LONG ti...
by texasdiver
Thu Oct 11, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: How important is it that dentist is member of ADA?
Replies: 13
Views: 1179

Re: How important is it that dentist is member of ADA?

If dentistry is at all like medicine then not at all. My wife is a family physician and gets almost as many spam mailings from the AMA trying to get her to join as I now get from AARP and AAA since turning 50. None of her colleagues in the HMO she works with are AMA members. She says it's more for t...
by texasdiver
Wed Oct 10, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: Timber as an alternative - didn't work so well...
Replies: 19
Views: 2672

Re: Timber as an alternative - didn't work so well...

This article is about the south but I hear similar things to a lesser degree in New England. I have a cousin in Vermont who has what they call "wood lots" up there. Mostly hardwood for lumber and cord wood for sale as firewood. Apparently prices are also way down in the past 20 years for New England...
by texasdiver
Sun Oct 07, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 28
Views: 2727

Re: Garage Shelving?

I'm on my 4th garage and rather obsessive about these sorts of things. It's not cheap but the best wall-mounted shelving system I have found is called Rhino Shelf and made by some guy in North Carolina. I installed these on all 3 sides of my garage and have an immense amount of stuff stored in plast...
by texasdiver
Sat Sep 29, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 17208

Re: Why Edward Jones?

I live in a small town (< 10k people) within a rural county (< 70k people). We have at least 8 EJ offices (4 of them are in my town, specifically, since we are the hub of the county). People use EJ because they are accessible. You can drive by their office, you can talk to someone face-to-face, and...
by texasdiver
Sat Sep 29, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: College Student Performance Issues
Replies: 83
Views: 4485

Re: College Student Performance Issues

Went through something similar with our oldest who is now a college junior and doing well. She was always an average student in HS with mostly Bs in core classes and As in electives so about a 3.4 GPA. Her first semester of college was something of a shock in that you are so much more responsible fo...
by texasdiver
Thu Sep 27, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Reminder on Keeping an Emergency Fund
Replies: 27
Views: 2874

Re: Reminder on Keeping an Emergency Fund

My wife and I don't have a separate dedicated emergency fund per se. But at upper middle class Americans who manage our money reasonably prudently we certainly have plenty of financial resources that could be employed in an actual emergency. We have lines of credit at 3 different banks. We have a ha...
by texasdiver
Mon Sep 24, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2014

Re: Acoustic Pianos

Hi Bogleheaders. Anyone on here knows about acoustic pianos? We are in the market for a piano and of course the wife likes to buy new so don't even bring up the buy-used topic. We have 2 kids just starting to take piano lessons and we eventually would like to learn as well. So I wonder any brands y...
by texasdiver
Mon Sep 24, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10143

Re: Side Hustle Options/Suggestions.

OP Here- I already have an MBA in finance. I could take one more class and make it a dual MBA in finance and management. I could also take one more law class and get a certification to try to become a public school finance director, I cant think of the official name of it off the top of my head, wh...
by texasdiver
Mon Sep 24, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2014

Re: Acoustic Pianos

Amateur pianist here and parent of 3 kids who have taken many years of lessons over the years. My advice? Buy a decent digital piano as a starter piano. Something mid-range from Kawai or Yamaha like one of these in the $3k range: http://kawaius.com/product/ca58/ Then after a couple of years if you a...
by texasdiver
Mon Sep 24, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 25
Views: 1511

Re: Seattle and (Victoria OR Vancouver) next week.

There is no place in the Pacific Northwest that is 100% flat. You have to go to Dallas or Houston to find that. But my own perception is that Vancouver is quite a bit more flat than Seattle, at least in terms of the tourist areas in which you'd be walking around. The downtown area is reasonably flat...
by texasdiver
Sun Sep 23, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 25
Views: 1511

Re: Seattle and (Victoria OR Vancouver) next week.

I’d stay at Silver Cloud Inn Lake Union in Seattle. Free underground parking, a hotel shuttle on demand to 3 spots downtown Seattle or use the light rail right in front of the hotel. Great restaurants within a block. White Swan Public House is practically across the street, excellent and reasonably...
by texasdiver
Sun Sep 23, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 37
Views: 5028

Re: Any Cyclists With a Brooks Saddle?

FYI, there are now several other modern saddle makers operating in the Brooks "space" of full leather saddles: Gilles Berthold, a famous small French pannier and handlebar bag manufacturer is now doing full leather saddles: http://www.gillesberthoud.fr/_en/selles/index.php which can be found at var...
by texasdiver
Fri Sep 21, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1363

Re: Painting kitchen cabinet

In my last house I refinished the cabinet doors myself. During my younger years I spent a couple years in college working as a professional painter so I pretty much knew what I was doing. I bought a Wagner HVLP sprayer, pulled all the doors and handles off, sanded them and sprayed them with 3 coats ...
by texasdiver
Thu Sep 20, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2958

Re: Moving to Dallas, how to establish residency

For ref, I am excited about becoming a TX resident as I won't have to pay state or local taxes. That will mean 6% less tax which is an increase of $41k take home. My wife already has plans for that. Don't get too excited unless you've already done the math on property taxes for your eventual home p...
by texasdiver
Thu Sep 20, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: MySocialSecurity and credit freeze block annoyance
Replies: 5
Views: 561

MySocialSecurity and credit freeze block annoyance

Since we don't get the paper social security statements anymore my wife was going to obtain a mySocialSecurity online account so that she could view her earnings statements online and just verify that all was in order. During the process of registering for a new account she came to a screen saying "...
by texasdiver
Wed Sep 19, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Other investment opportunities besides the stock market
Replies: 25
Views: 1961

Re: Other investment opportunities besides the stock market

I invested in rental houses, mortgages, stocks and bonds and a few other things along the way. With the advantage of hindsight, I could have done just as well, maybe even better, if I had just put everything in the S&P 500 index fund back in 1975, and saved myself a lot of time and effort. Of cours...
by texasdiver
Wed Sep 19, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Other investment opportunities besides the stock market
Replies: 25
Views: 1961

Re: Other investment opportunities besides the stock market

If their books were that good they wouldn't need you for capital. They could get it from their local bank.
by texasdiver
Tue Sep 18, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25090

Re: What is your single most expensive mistake?

Buying a boat.

Bought a new custom $100,000 27' SeaSport Seamaster set up as a dive boat for SE Alaska together with a friend of mine. We had some good adventures on it and sold it a few years later after we both got married for perhaps a $40,000 loss considering all we had in it.
by texasdiver
Tue Sep 18, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3489

Re: Equity in house / Do you use it?

The whole "home equity" label just obscures the fact that you are simply borrowing money and using your house as collateral to get a lower interest rate. "Untapped home equity?" How is this any different than "untapped credit line" on your credit card? If I added up all the different credit lines on...
by texasdiver
Mon Sep 17, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security WEP question
Replies: 3
Views: 538

Re: Social Security WEP question

Questions: 1. If you opt out of the STRS does that opt you into Social Security? I would suspect that it does but you will need to verify. The rules that state institutions have to follow to opt out of social security are fairly strict. They basically have to offer a traditional type of pension. So ...
by texasdiver
Mon Sep 17, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 2995

Re: are iPad Minis obsolete?

My wife loves her mini and will be out of sorts if they are discontinued. That said, there are other very inexpensive android options for tablets in that size range so if you are just looking for something to read books, do web surfing and media consumption and don't really need or care about all th...
by texasdiver
Mon Sep 17, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 37
Views: 5028

Re: Any Cyclists With a Brooks Saddle?

FYI, there are now several other modern saddle makers operating in the Brooks "space" of full leather saddles: Gilles Berthold, a famous small French pannier and handlebar bag manufacturer is now doing full leather saddles: http://www.gillesberthoud.fr/_en/selles/index.php which can be found at vari...
by texasdiver
Sun Sep 16, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 37
Views: 5028

Re: Any Cyclists With a Brooks Saddle?

I have 4 of them. A B-17 Special Titanium on my road bike A Standard B-17 on the front seat of my tandem A Flyer Special on my mountain bike (B-17 top with springs) An old Brooks Professional I took off an old road bike before I sold it and am keeping in case I wind up with a 4th bike. Been riding o...
by texasdiver
Sun Sep 16, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4324

Re: I need a chainsaw to trim branches and limbs!!

Ego 14" cordless: https://www.homedepot.com/p/EGO-14-in-56-Volt-Lithium-ion-Cordless-Chainsaw-with-2-0Ah-Battery-and-Charger-Included-CS1401/205439214 The Ego stuff is good quality. Half the price of the tool is the battery and charger so if you have or intend to buy other Ego tools you can special ...
by texasdiver
Sun Sep 16, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Is your iPad Pro enough on the road?
Replies: 11
Views: 1215

Re: Is your iPad Pro enough on the road?

I use mine on the road but I put it in a keyboard case. I have the Logitech Create keyboard with backlit keys which I like for travel. Around home I keep the iPad in a lighter case sans-keyboard because I don't use it for serious work. If you are a power user of Excel then you will chafe at the abse...
by texasdiver
Sat Sep 15, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3933

Re: Is home alarm monitoring worth it?

You can get ADT lawn signs on eBay for $25. I expect they are probably stolen off other people’s yards. The previous owners of our house had ADT and I left the sign and window stickers up but didn’t activate the service. With teens coming and going at all hours it didn’t seem worth it for the hassle...
by texasdiver
Fri Sep 14, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 16
Views: 2149

Re: New era for TSP "I" Fund?

So has anyone done a back-cast to compare the performance difference between these two different benchmarks over the past 10-20 years?
by texasdiver
Fri Sep 14, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: The Problem for Active Management Isn't Indexing
Replies: 7
Views: 962

Re: The Problem for Active Management Isn't Indexing

Thesaints wrote:
Thu Sep 13, 2018 8:15 pm
Stocks not held through funds are held individually.
Or pensions, trusts, sovereign wealth funds, endowments, and foundations. There are many institutional investors that aren't mutual funds.
by texasdiver
Thu Sep 13, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 67
Views: 6081

Re: Vacation house? Need objective third party

At that level of income the issue is usually time not money. Obviously the OP can afford a vacation house. If my wife and I had that level of income we'd be most certainly looking at spending our vacations in places like Europe and Costa Rica, not at some family compound on a lake. But that's just u...