Search found 97 matches

by Kagord
Fri Nov 15, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Contemplating early retirement
Replies: 7
Views: 523

Re: Contemplating early retirement

These two I have found the most useful for myself. Boglehead's Forum Retirement Portfolio Model Spreadsheet: https://www.bogleheads.org/forum/viewtopic.php?t=97352 Very Comprehensive, year by year analysis of everything, expect to spend many,many hours with this figuring the setup values to put in a...
by Kagord
Tue Nov 12, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Anyone had their house repiped?
Replies: 32
Views: 3213

Re: Anyone had their house repiped?

ponyboy wrote:
Tue Nov 12, 2019 4:08 pm
Copper doesnt deteriorate, unless you get that trash thin copper that is cheaper.
You mean Type M or ?
by Kagord
Sun Nov 10, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: Question for Car experts - how urgent/important are these maintenance items
Replies: 36
Views: 3313

Re: Question for Car experts - how urgent/important are these maintenance items

When antifreeze ages, the additives can become depleted causing the mixture to become corrosive. While the solution still provides good freeze protection continued use can damage the engine and water pump. That’s why a fluid change should be done. +1, This. I am a DIYer, maybe 15 years ago and befo...
by Kagord
Thu Nov 07, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2638

Re: When to buy Car extended warranty ?

What's your end game, to still have a Mercedes at the end of the extended warranty? I'd just follow what the majority do.

Lease: BMW, Mercedes, Audi (with a full bumper to bumper warranty for lease period)
Buy: Lexus, Acura
Avoid: Infinity
by Kagord
Tue Nov 05, 2019 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 11627

Re: New Job, Depressed, Money issues

confusedinvestor wrote:
Sun Nov 03, 2019 10:54 pm
This startup is using Azure, IBM Cloud, a bit of AWS but all using Terraform, Ansible, Jenkins - everything is managed using "code"

Two words: Train Wreck

at least it's resume building skills
by Kagord
Mon Oct 28, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: High School Kid - in soccer
Replies: 14
Views: 1419

Re: High School Kid - in soccer

- Track/Cross Country - usually attracts a diverse mix including a cadre of very bright student athletes (may be good peer group for improving and maintaining grades), fewer injuries (with no concussions), less parental involvement and drama. idk, my kids are always getting injured in cross country...
by Kagord
Mon Oct 28, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Online or software piano lessons
Replies: 18
Views: 1291

Re: Online or software piano lessons

If you're just messing around, online/software is OK.

There's no substitute for a teacher that provides proper technique for playing on a real piano. I.E. preventing bad habits that are hard to kick later, the electronic keyboards just don't compare to a real piano for touch and sound.
by Kagord
Mon Oct 28, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 2898

Re: Furnace air filters

What air filters you use for your furnaces? My contractor told me to stop purchasing these expensive ones from Costco (around $15 a piece), go get some of these cheapest ones from Homedepot. it all depends on you system. This is often recommended because the expensive ones can greatly reduce the ai...
by Kagord
Mon Oct 28, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 2
Views: 394

Re: Employment Application/Background Check - Wrong graduation date

I always have HR check degrees, I get about a 20% fail rate of people with no degree, so I'm more concerned with someone actually graduating and actually having a degree. This is in software engineering, and it's so hard to find people, and the applicant pool that's out there is the bottom of the ba...
by Kagord
Sat Oct 26, 2019 8:03 am
Forum: Personal Investments
Topic: HELP! Close family member involved with Online Trading Academy
Replies: 12
Views: 1802

Re: HELP! Close family member involved with Online Trading Academy

I don't think Online Trading Academy is a scam. Obiviously, it is not the BH community's cup of tea. But, an inexperienced someone with an interest and fascination with day trading, may actually save $50K by taking these classes, that's who they are catering to. Here's a review: https://www.youtube....
by Kagord
Thu Oct 24, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Entrance Fee for Retirement Community
Replies: 39
Views: 5023

Re: Entrance Fee for Retirement Community

For the purposes of the "audience," at what age does one generally consider a move to a CCRC? In The Villages, in Florida, many people move there in the late 40's and throughout their 50's. In less active 55+ communities that I am familiar with, it seems like people move there in their 70''s. Thank...
by Kagord
Mon Oct 21, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3204

Re: Executor for parent in Florida seeking guidance

GuyInFL wrote:
Mon Oct 21, 2019 7:15 pm
TOD amounts pass outside of probate and don’t count toward value of estate
To clarify, I believe TOD is part of the estate for tax purposes, but, yes, avoids probate.
by Kagord
Thu Oct 17, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 3868

Re: Moving my home landline phone number to MagicJack - good idea?

+1 Obihai Obihai+GoogleVoice user since early 2011, only cost is the hardware, $50 now. And you get lots of things the phone company charges for free, like voicemail, caller ID...etc. Call quality is good, better than a cell, the google voice web page has all call history, you can configure to get v...
by Kagord
Thu Oct 17, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9955

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

Not really an Apple fan, I use Android, I can get any phone I want for free from work with an unlimited plan. My kids, on the other hand, I bought my kids Androids when they were young, that didn't last long. In Elementary school, they get Apple iPads, and in Middle/High School, they get both iPads ...
by Kagord
Wed Oct 16, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 97
Views: 7686

Re: Friend's car caught in flood ?

Replacing an engine in a late nineties Camry, hmm, how much would a shop charge for that, and how much is the car worth?

Being that it flooded, probably wasted money.
by Kagord
Mon Oct 14, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Hyundai Tuscon or Nissan Rogue
Replies: 9
Views: 1058

Re: Hyundai Tuscon or Nissan Rogue

IMHO, if you want quality, RAV4 or CR-V, pay just a little more, you'll save in maintenance and reliability, not to mention resale will hold up better.
by Kagord
Sun Oct 13, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 4689

Re: What workout equipment to get?

Another vote for the Concept 2 for cardio, I bought for my kids who all row, now I use it too. Reliable too, many millions of meters on it, never an issue. And, as an advantage, easier on the joints as you age. So you plunked $1000 on that for cardio, for strength, I'm a big fan of body weight, so, ...
by Kagord
Fri Oct 11, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 413
Views: 65686

Re: Good Modern Science Fiction

Mentioned before, fantasy, but if you like sci-fi, you'll probably like like these, 1st one is awesome: Name of the Wind, Patrick Rothfuss (like RR Martin, may never finish the darn series, but hey, Brandon can always finish it as a backup) Mistborn Trilogy, Brandon Sanderson (more of a fun read, an...
by Kagord
Fri Oct 11, 2019 6:55 am
Forum: Personal Consumer Issues
Topic: Engine to Household Ratio Planning
Replies: 9
Views: 612

Engine to Household Ratio Planning

One gauge of life complexity (and some might say macho-ness) is the amount of gas engines you own and maintain, I own 10, my engine to household ratio is 1.66. 6 in household (5 employed, 4 in high school/college) Gas engines in household: 4 Cars 1 Motorcycle 1 Lawn Mower 1 Weed Wacker 1 Pressure Wa...
by Kagord
Thu Oct 10, 2019 10:01 pm
Forum: Personal Investments
Topic: Preferred Stock Index Fund
Replies: 49
Views: 5443

Re: Preferred Stock Index Fund

Expected given that preferred is mostly financial stocks as I explained. So, in a financial crisis, it is expected to perform poorly. I'm not big on overly protecting a portfolio from the last crisis. That's like training to fight the last war. Sector concentration is a well known uncompensated ris...
by Kagord
Tue Oct 08, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: tax "training" using TurboTax CD ?
Replies: 12
Views: 1024

Re: tax "training" using TurboTax CD ?

Another truly excellent and free tool is the www.excel1040 spreadsheets, which you can download and update copies to your heart's content. The author has reproduced darn near all the 1040 in Excel sheets, so you can direct enter the data... Quick to play! It's also on this link: https://sites.googl...
by Kagord
Mon Oct 07, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Replacing Furnace Pressure Switch
Replies: 7
Views: 710

Re: Replacing Furnace Pressure Switch

Is your furnace in your basement or garage, if in the basement, I'd have a tech out now from a company that services your brand. I fix a lot of things, natural gas and combustion is one I tend to hire out to someone who is licensed.
by Kagord
Fri Oct 04, 2019 6:19 pm
Forum: Personal Investments
Topic: Where to put cash at Schwab taxable acct
Replies: 18
Views: 2241

Re: Where to put cash at Schwab taxable acct

In my state you would owe state income tax on interest from other states in a national muni fund (so subtract off 5.n% from the muni yield). +1 Yes, you have to hunt for it, the muni funds publish the ownership percentage by state for that tax year, and then you can allocate what's exempt from your...
by Kagord
Thu Oct 03, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: ESOP Distribution?
Replies: 5
Views: 386

Re: ESOP Distribution?

Start a rollover IRA if you don't already have one, make sure you check the qualified distribution box, and have the check made out to the broker, FBO yourself. You'll likely have other opportunities to keep adding to that rollover account, choose a good broker, Schwab now has no commissions.
by Kagord
Tue Oct 01, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: What services do you subscribe and pay monthly?
Replies: 4
Views: 650

Re: What services do you subscribe and pay monthly?

1. Wired Phone - $0 (google voice + OBi200) 2. Cable - $0/month (just have terrestrial and some linux PC recording servers) 3. Cell - $60/month for kids/wife (mint mobile 4 lines, unlimited text/talk, 3GB per line data), I have a free work cell with plan 4. Netflix - $9/month 5. Amazon Prime, mainly...
by Kagord
Tue Oct 01, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Schwab commission free vs Vanguard
Replies: 8
Views: 1469

Re: Schwab commission free vs Vanguard

$50 transfer out, likely it won't be used by me, i think the Schwab platform is worth that, even if used once or twice. And, yes, I have accounts at both Vanguard and Schwab, I prefer Schwab. I was already commission free at Schwab. To clarify, the $50, you can EFT/WriteChecks..etc for free, this is...
by Kagord
Mon Sep 30, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE ACA Questions
Replies: 8
Views: 722

Re: FIRE ACA Questions

http://www.rootofgood.com, they are seeing the world, experiencing new things, and I'm sitting in a cube. It's just a passing thought.
by Kagord
Mon Sep 30, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE ACA Questions
Replies: 8
Views: 722

Re: FIRE ACA Questions

willthrill81 wrote:
Mon Sep 30, 2019 2:16 pm
I highly recommend that you check out Justin's website, www.rootofgood.com, for detailed information about FIRE and the ACA. They've been successfully doing pretty much exactly what you're contemplating for years.
OMG, I feel like a loser now sitting in my cube.
by Kagord
Mon Sep 30, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE ACA Questions
Replies: 8
Views: 722

FIRE ACA Questions

I'm starting to think about retiring, but medical costs will chip away, and some of the modeling I'm doing does show some problems in the 1-5% historical outcomes. I have just a few questions regarding retiring early and ACA. 1. Let's say you have high net worth, and put most taxable income in Tax E...
by Kagord
Mon Sep 30, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: My Kaiser Medicare Plan is "converting" from Cost to Advantage!
Replies: 36
Views: 3541

Re: My Kaiser Medicare Plan is "converting" from Cost to Advantage!

OK, I'm not familiar with Kaiser, they haven't been in any cities I've lived, and I may be dated with HMOs. I had a local market HMO for 1 year in the mid nineties, and had some minor medical issues. Back then, my experience, it was a pain, long office waiting room (hours) to see the PCP, then wait ...
by Kagord
Sun Sep 29, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Used Car websites
Replies: 9
Views: 1162

Re: Used Car websites

Google this: Scotty Kilmer nissan

The obvious choice for you is a 1994 Toyota Celica.
by Kagord
Sun Sep 29, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA question (It's FAFSA season again!)
Replies: 31
Views: 1938

Re: FAFSA question (It's FAFSA season again!)

I know a lot of lesser known privates do this, at least to hook you in, and maybe you can luck out for 4 years, but state, wow. What state school gives 100% merit with no FAFSA? Merit, let's assuming the top, meaning, top competitive college prep HS in state, top test scores, top 1% class rankings, ...
by Kagord
Sun Sep 29, 2019 6:36 am
Forum: Personal Finance (Not Investing)
Topic: My Kaiser Medicare Plan is "converting" from Cost to Advantage!
Replies: 36
Views: 3541

Re: My Kaiser Medicare Plan is "converting" from Cost to Advantage!

Never been a fan of being told who to use for medical, I get medigap plan F and a part D supplement for my mother. Yes, it's two thousand or so more in annual premiums, but not having to go to a primary care physician first, and/or not being forced to find in network providers for cost effectiveness...
by Kagord
Sat Sep 28, 2019 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Ideal income bracket target?
Replies: 49
Views: 5018

Re: Ideal income bracket target?

I'm similar, but planning to keep equal amounts in Roth and Traditional. You have to keep in mind your traditional is earning exponential income on what would be taxed if moved, that's a lot of growth over 10-40 potential more years. I figure, by having a choice on what to withdrawal, being taxable,...
by Kagord
Sat Sep 28, 2019 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Beneficiary passes, leaves hospital bills, can hospitals get money from her trust fund until paid in full?
Replies: 24
Views: 4871

Re: Beneficiary passes, leaves hospital bills, can hospitals get money from her trust fund until paid in full?

See an attorney, on the estate handling, notice to creditors is something you may want to do, if not done already, hospitals can move slow sometimes.

I am not an attorney.
by Kagord
Thu Sep 26, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford around a $2M home?
Replies: 31
Views: 4142

Re: Can I afford around a $2M home?

I always love the, I make $900K/year, and might, unfortunately, go to 800K/year if one of us goes part time posts.

Humble answer for a humble question, if you ask Suze Orman, you need to focus on saving 5 million first, so no, you can't afford anything but a Walmart tent right now.
by Kagord
Thu Sep 26, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating a stepped up basis after spouse passes
Replies: 6
Views: 610

Re: Calculating a stepped up basis after spouse passes

+1, Real Estate Agent I've had to do this a few times, they pull comps from that time and give you an estimate. It's really all you can do if you didn't do the official appraisal when you should have. Not sure how it would hold up, but at least you have something in your hand if you do get audited, ...
by Kagord
Thu Sep 26, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4963

Re: Protection From Catastrophic Medical Costs When Fully Insured

I had a cancer scare once, late nineties, and I remember, even with a PPO, I was on a wait list of 5 months just to get a specialized nuclear scan test in network. This is after a few doctors said the growth was very aggressive and have never seen this type not be cancerous, and with the grim news, ...
by Kagord
Thu Sep 26, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4963

Re: Protection From Catastrophic Medical Costs When Fully Insured

I could be wrong and realize I may be making an assumption on self funding. I guess I'm curious. I can say the company (a different company) I work for is self funding. You'd never know, the insurance card I have and all interactions are through the well recognized insurance company ( I go on the in...
by Kagord
Thu Sep 26, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4963

Re: Protection From Catastrophic Medical Costs When Fully Insured

My employer has an insurance advocate that will dig into these details for them. Oh, that was many months ago, he's well past that. Advocate for whom? You do realize, the employer, who probably pays the salary/contract of the advocate, is actually funding the entire insurance plan (that is managed ...
by Kagord
Thu Sep 26, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4963

Re: Protection From Catastrophic Medical Costs When Fully Insured

Thanks bsteiner, I assume people on this board are not at that level of assets, so it's not a relevant strategy for us. I guess I just was more in shock learning about balance billing and trying to figure out if there is something easy to do to protect your "not already protected" assets, given this...
by Kagord
Thu Sep 26, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4963

Re: Protection From Catastrophic Medical Costs When Fully Insured

This was not an ordinary surgery, I can't say much more to protect the individual.

But my post is not about what he can or can't do, it's how does one protect assets with what is in place today.
by Kagord
Thu Sep 26, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4963

Re: Protection From Catastrophic Medical Costs When Fully Insured

When you are at death's doorstep, there was no planning time for ensuring all resources are "in network". I think the surprise was that OOP max doesn't really mean anything, it's false advertising, IMHO.
by Kagord
Thu Sep 26, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4963

Re: Protection From Catastrophic Medical Costs When Fully Insured

I can't go into any details, except this was a very rare, very highly specialized procedure done stat, I'm sure the surgery actually cost quite a bit. He had a regular plan that would be what is offered in a fortune 100 company, administered by one of the major health care providers, but the company...
by Kagord
Thu Sep 26, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4963

Protection From Catastrophic Medical Costs When Fully Insured

Hi all, I have a relative who went to an emergency room at an "in network" hospital, he was fully insured at work. He has a bill for $550K, in which his insurance paid $7K "out of network" (what they deemed reasonable). His out of pocket max was around $20K. Yet, apparently, he has to pay the balanc...
by Kagord
Thu Sep 26, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Calling fellow schwabers [Where to park cash?]
Replies: 17
Views: 1752

Re: Calling fellow schwabers [Where to park cash?]

Just keep in mind, on the purchased money funds, and manually managing akin to a sweep process, you have to know settlement timing to avoid margin fees. SWVXX settles the next day, versus equities settle in two days. I.E. if you sell stocks, and immediately buy SWVXX, you will pay one day of margin ...
by Kagord
Fri Sep 20, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 4909

Re: Dental Insurance for Retirees

I thought medigap can have dental and vision, have no idea if it's of any added value over just paying the dentist direct OOP.
by Kagord
Fri Sep 20, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Who is responsible for taking RMDs after death of IRA owner?
Replies: 20
Views: 1407

Re: Who is responsible for taking RMDs after death of IRA owner?

This is very common, it's not your problem, it's between the beneficiaries and the old and new IRA custodian. If your curious, usually, the new custodian will usually provide information of what needs to be done (a 20-30 page, Welcome to your new Inherited IRA, now what..etc). For the estate executo...
by Kagord
Fri Sep 20, 2019 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Fight with my insurance company for rear-end collision?
Replies: 24
Views: 1783

Re: Fight with my insurance company for rear-end collision?

I was going 65 in the left most fast lane during rush hour on a freeway, the car in front of me blinkered right, slammed on their brakes and came to a complete stop in the fast lane with their right blinker on. It was obvious they wanted to take an exit 3 lanes over, 100' from where they stopped. I ...
by Kagord
Thu Sep 19, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: “Upsizing” are we foolish?
Replies: 80
Views: 10796

Re: “Upsizing” are we foolish?

MossySF wrote:
Mon May 27, 2019 9:35 am
My experience -- when you get a bigger house, you buy more junk to fill it up. And then the bigger house feels cramped again.
Yep, agree, I'm a sucker too, and you'll be calling 1-800-GOT-JUNK and paying even more when you downsize.