Search found 240 matches

by MillennialFinance19
Tue Sep 22, 2020 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Breeze disability insurance?
Replies: 6
Views: 363

Re: Breeze disability insurance?

It’s a policy from Assurity with limited benefits. My advice would be to buy DI the right way from one of the top tier DI companies using an independent agent and not through a site like this. What's wrong with Assurity and the benefits offered? You can get own occupation, non-cancellable, etc. rid...
by MillennialFinance19
Sun Sep 20, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Does paying for 1Password Family worth it for a family of 2?
Replies: 19
Views: 1390

Re: Does paying for 1Password Family worth it for a family of 2?

I’m not sure about the others, but I’ve used LastPass premium with a Yubikey for 2 years, and it has been great.
by MillennialFinance19
Thu Sep 17, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: Kids back to On Campus School - Would you ?
Replies: 46
Views: 1925

Re: Kids back to On Campus School - Would you ?

Our kids have been back in daycare since right after Memorial Day weekend, and my wife has been teaching for nearly two months now. So far, all of our Covid metrics are dropping across the board. Hopefully that’s a glimmer of hope for the future.
by MillennialFinance19
Wed Sep 16, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 13142

Re: Is this guy trying to scam me on a car I'm selling?

Any update to this?

I would like to second someones recommendation of Bringatrailer. Have you seen the sales prices on rare cars? It's absurd.
by MillennialFinance19
Tue Sep 15, 2020 7:47 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 13142

Re: Is this guy trying to scam me on a car I'm selling?

Anytime I’ve sold a car, I’ve required cash while meeting at my bank or a bank check while meeting at the issuing bank. This is 100% safe as my bank can verify the cash is legit and the issuing back guarantees the check.
by MillennialFinance19
Tue Sep 08, 2020 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1882
Views: 460423

Re: Share your net worth progression

I left the military in 2010, and was subsequently divorced in 2011. Remarried in 2013 and have been pushing hard as a team ever since! Age 27 2014 IN THE RED Age 28 2015 $ 69,500 Age 29 2016 $ 109,000 Age 30 2017 $ 172,130 Age 31 2018 $ 268,920 Age 32 2019 $ 406,424 Age 33 2020 $ 591,947 YTD
by MillennialFinance19
Tue Sep 08, 2020 7:14 am
Forum: Personal Finance (Not Investing)
Topic: House sale quandary - under contract!
Replies: 66
Views: 8580

Re: House sale quandary - got offer from neighbor before agent listed house

I have several points, and I speak from experience on this considering I've conducted upward of 10 RE transactions, both with RE agents and without. 1) If the neighbor is serious, he needs to put it in writing immediately. If he won't, then just continue forward with listing. People make non-binding...
by MillennialFinance19
Sat Sep 05, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: Buying guns not an option, what else
Replies: 56
Views: 4983

Re: Buying guns not an option, what else

So I'm a pretty big home security buff (including guns). But I'll absolutely admit that is not the only deterrent. Note that I also have a background in security both CONUS and OCONUS and currently work in a related-field. Agree with a poster above that a good neighborhood is first and foremost, if ...
by MillennialFinance19
Sat Sep 05, 2020 8:10 am
Forum: Personal Investments
Topic: New Here
Replies: 17
Views: 1374

Re: New Here

If gold/silver is your preferred method of investment, you're on the wrong forum (I'm not even sure what the right forum is). There is a forum called "Gold is Money 2" that would probably be right up the OPs alley. It's an interesting place... I love it when someone comes with a suggestion versus m...
by MillennialFinance19
Sat Sep 05, 2020 8:09 am
Forum: Personal Consumer Issues
Topic: Buying guns not an option, what else
Replies: 56
Views: 4983

Re: Buying guns not an option, what else

6. Obtain one or two 7-9 oz min canister of bear spray. Cost is apprx $50 - Shelf life is apprx 3-4 years. Replace as needed. Make sure you get the bear (also known as OC) spray at has a safety which prevents you from spraying it in your own face. Having been sprayed 2 times, I promise the attacker...
by MillennialFinance19
Fri Sep 04, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: BCBS or GEHA?
Replies: 59
Views: 2600

Re: BCBS or GEHA?

I've used both BCBS Basic and GEHA HDHP. Blue Cross was outstanding and I never had an issue, I was just sick of getting beat up by co-pays and wanted to lower premiums while getting an HSA option. So far, that has worked out well. Based on your scenario and your child with health issues, I don't th...
by MillennialFinance19
Fri Sep 04, 2020 8:55 am
Forum: Investing - Theory, News & General
Topic: Assessing your investment behavior during the pandemic
Replies: 35
Views: 2152

Re: Assessing your investment behavior during the pandemic

I pretty much stuck to my plan though out. One "perk" if you want to call it that, was my ability to TLH a $10k loss that erased a real estate gain from January. I've obviously made that back and some, as I purchased VOOG the day I dropped VTI. Definitely silver linings!
by MillennialFinance19
Tue Sep 01, 2020 12:16 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 14698

Re: What is your age and asset allocation ?

Age 33 and 30.

We’re around 90/10 last time I checked (fluctuates a bit due to taxable). I’m not too obsessed with it until wife reaches age 40, at which point we’ll probably move to a more strict 80/20 and then 70/30 at age 50.
by MillennialFinance19
Mon Aug 31, 2020 12:04 pm
Forum: Personal Investments
Topic: New Here
Replies: 17
Views: 1374

Re: New Here

If gold/silver is your preferred method of investment, you're on the wrong forum (I'm not even sure what the right forum is).
by MillennialFinance19
Wed Aug 26, 2020 1:18 pm
Forum: Personal Investments
Topic: Mid-25s Financial Update
Replies: 8
Views: 1385

Re: Mid-25s Financial Update

Wow, at this rate, you're going to join the 2-comma club quickly. Congrats, and keep up the good work!
by MillennialFinance19
Wed Aug 26, 2020 11:11 am
Forum: Personal Investments
Topic: As a 30 year old with extremely high risk tolerance should I even be holding bonds any more or should I go 100% stock?
Replies: 166
Views: 11702

Re: As a 30 year old with extremely high risk tolerance should I even be holding bonds any more or should I go 100% stoc

At 33, my portfolio is ~15% bonds, all of that allocated in the "F Fund" in my TSP account. This year it has returned 6.88% as of yesterday. This is all relative. You only held the fund for a couple of weeks, what can you seriously expect?
by MillennialFinance19
Tue Aug 25, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Any car enthusiasts? (or soon to be)
Replies: 112
Views: 6543

Re: Any car enthusiasts? (or soon to be)

We recently bought my wife's dream car (classic - which I won't list because it could identify me), after years of looking. It was expensive, but at the end of the day it should hold value, and potentially increase, as the years go on. I dream of owning a Porsche 911 GT2 or GT3, so I'm thinking I'll...
by MillennialFinance19
Tue Aug 25, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Quit corporate job @ age 34 with $1.3M?
Replies: 225
Views: 21848

Re: Quit corporate job @ age 34 with $1.3M?

I absolutely get the desire to retire at age 34. I'm 33 and if I could financially pull it off, I probably would. But then I start asking myself what I would do while my kids are in school, what would my vacations look like, who would I hang out with while everyone my age is at work, etc. and see se...
by MillennialFinance19
Fri Aug 21, 2020 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Finding a Good Insurance Agent (Disability Income Insurance)
Replies: 2
Views: 232

Re: Finding a Good Insurance Agent (Disability Income Insurance)

I know this thread is kind of old, but for what it's worth, I found a Guardian rep and am in the process of getting a policy underwritten by them. So far, they've tried to sell me nothing. I requested quotes for DI, and that's exactly what I've gotten. I'm pretty happy with the customer service so f...
by MillennialFinance19
Thu Aug 20, 2020 4:24 pm
Forum: Personal Investments
Topic: Max the HSA?
Replies: 28
Views: 1652

Re: Max the HSA?

We have an employer contribution of $1800 that goes into HSA Bank. We actually use this money for medical expenses as they come up (at least for now). We also fully fund $5300 into a Fidelity HSA. This money is invested and we have no intention of ever touching it. Our HSA is earmarked for health ex...
by MillennialFinance19
Thu Aug 20, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Mortgage broker won't lock the rate
Replies: 22
Views: 1812

Re: Mortgage broker won't lock the rate

I would reply to the broker and say "are you stating, on the record, that the rate will not be lower than 2.75% and your company will guarantee that?" This should flush out whether it's a sales pitch or a legit capability. Did you mean higher than 2.75. ? Yes, my bad. Lack of sleep does that.
by MillennialFinance19
Thu Aug 20, 2020 7:17 am
Forum: Personal Finance (Not Investing)
Topic: How to quit a job for retirement
Replies: 61
Views: 5231

Re: How to quit a job for retirement

Why not start calling out sick and burning some days? Maybe taking some time off will give you a refresh.

I agree with many of the above - no one will likely notice nor care one way or another. You are replaceable, as we all are. Once you’ve accepted that, your perspective will change.
by MillennialFinance19
Thu Jul 23, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Mortgage broker won't lock the rate
Replies: 22
Views: 1812

Re: Mortgage broker won't lock the rate

I would reply to the broker and say "are you stating, on the record, that the rate will not be lower than 2.75% and your company will guarantee that?" This should flush out whether it's a sales pitch or a legit capability.
by MillennialFinance19
Thu Jul 23, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: How much to contribute to newborn 529 plan?
Replies: 27
Views: 1670

Re: How much to contribute to newborn 529 plan?

We go up to the state deduction amount, so $4k per kid annually. We started this when they were each born. Our kids are 1.5 and 3 and they have in excess of $25k combined in the accounts already. We don't plan to exceed the deduction amount considering some of the reasons stated above - mainly that ...
by MillennialFinance19
Mon Jul 20, 2020 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Should I raid my kids college fund to buy a new computer?
Replies: 29
Views: 2737

Re: Should I raid my kids college fund to buy a new computer?

This question represents .0004% of your NW. Minus going to a payday loan shop and getting an $800 loan at 325% amortized over 12 years, I don't think you can mess this up.
by MillennialFinance19
Sat May 16, 2020 3:44 pm
Forum: Personal Investments
Topic: $250,000 Debt, High-Income Potential, beginner starting from ZERO
Replies: 58
Views: 8174

Re: $250,000 Debt, High-Income Potential, beginner starting from ZERO

Thank you everyone for the great investment advice, it will be put to use. I am now at a cross road between PSLF or Not. My debt isn't terrible (250k) and my anticipated attending salary should be about the same or higher. With my frugal lifestyle I can pay this off in a year or two and would likel...
by MillennialFinance19
Mon May 11, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 7193

Re: Has Your Spending Changed Since The Shutdown?

Gains $1179 in daycare (monthly) $1700 in stimulus (one-time) $800 unexpected refund from service (one-time) $150 in fuel (monthly) $50 in insurance (monthly X2) $300 mortgage decrease due to refi (monthly) Losses ($1000) in overtime Increased Spending ($600) misc. sporting goods ($1500) home proje...
by MillennialFinance19
Tue Apr 28, 2020 7:57 am
Forum: Personal Investments
Topic: WHAT TO DO for family of 5, tiny house, extra $: Mortage payoff vs. 529 vs. taxable retirement
Replies: 27
Views: 2040

Re: WHAT TO DO for family of 5, tiny house, extra $: Mortage payoff vs. 529 vs. taxable retirement

Why not use some of the money to build an addition? Solves the problem of too little house and too much money in house fund. We have been around and around on this as well. Have met with architects and contractors. The renovation would be $200-250k, and the rub is that we would need to move out of ...
by MillennialFinance19
Fri Apr 24, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Appropriate Term Life Terms - couple in 30s
Replies: 88
Views: 4213

Re: Appropriate Term Life Terms - couple in 30s

What would be appropriate term life terms (e.g. 20,30,40 years, age level?) for a 34.5 yo female and 39 yo male with a 9 month old child? And how should one decide how much life insurance to buy (e.g. $400k, $500k, $1M)? These would be for term life policies held outside of work life insurance poli...
by MillennialFinance19
Wed Apr 22, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6874
Views: 455979

Re: Refinance Mega Thread

Yes, NBKC was through Costco. I honestly cannot say enough good things about them. Ive done 2 NBKC/Costco loans in the last year (+1 about 8 years ago on prior house) - purchase @4.125 and refi at 3.75 just before covid (these are for super conforming). Love NBKC. Are you seeing under 3% from them ...
by MillennialFinance19
Mon Apr 20, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Helping deciding if i should purchase a truck
Replies: 26
Views: 1677

Re: Helping deciding if i should purchase a truck

So... I'm not going to tell you what to do because that's really a personal preference and I don't think you can go wrong either way. It sounds like you can afford either choice. My $.02 - I have a 2018 F-150 Lariat and it is the best truck I've owned. We tend to travel with it more than the SUV bec...
by MillennialFinance19
Mon Apr 20, 2020 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6874
Views: 455979

Re: Refinance Mega Thread

Originally locked in with Aimloan on a 30-year VA IRRRL at 3%. Long story short - the appraiser they hired under-appraised my house by $120k (my house is 4 years old and we have 5 comps on my street, he didn't use any of them in his appraisal). I appealed the appraisal. This led him to re-submit th...
by MillennialFinance19
Sun Apr 19, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6874
Views: 455979

Re: Refinance Mega Thread

Originally locked in with Aimloan on a 30-year VA IRRRL at 3%. Long story short - the appraiser they hired under-appraised my house by $120k (my house is 4 years old and we have 5 comps on my street, he didn't use any of them in his appraisal). I appealed the appraisal. This led him to re-submit th...
by MillennialFinance19
Sun Apr 19, 2020 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25275

Re: IRS Get My Payment up and running

I also owed money in 2019. Went to the Get my Payment site. It took my information after two tries. It says I was eligible for the payment and it would be deposited in my checking account. That was 5 days ago and nothing. Has anyone out there used the site and had their money deposited yet or is th...
by MillennialFinance19
Tue Apr 14, 2020 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6874
Views: 455979

Re: Refinance Mega Thread

Originally locked in with Aimloan on a 30-year VA IRRRL at 3%. Long story short - the appraiser they hired under-appraised my house by $120k (my house is 4 years old and we have 5 comps on my street, he didn't use any of them in his appraisal). I appealed the appraisal. This led him to re-submit the...
by MillennialFinance19
Wed Mar 04, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Money you put in the stock market is NEVER lost?
Replies: 95
Views: 3495

Re: Money you put in the stock market is NEVER lost?

Ah.... I get it now. You continuously lose money on stocks and as long as you replenish the lost funds, your balance doesn’t decrease therefore you haven’t actually lost money. This is groundbreaking. We should tell all of the defunct day traders that all is well!!!!
by MillennialFinance19
Fri Feb 28, 2020 7:40 am
Forum: Investing - Theory, News & General
Topic: who is worried and feels like selling stocks?
Replies: 254
Views: 19127

Re: who is worried and feels like selling stocks?

I'm staying the course. Looking to do a small rebalance of bonds to stocks in order to get my AA back to normal. Additionally, I have a little extra cash to infuse into the market over the coming weeks/months. Side note: even if I were to liquidate my taxable into cash, I'd take a hit on over $10k i...
by MillennialFinance19
Sat Feb 22, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8438

Re: Used car purchase - now dreading it

I went through this with a Toyota dealership after buying a CPO Highlander. After 2 months, the paint on the hood started flaking off. Per the CPO requirements, the vehicle must have factory quality paint or better to qualify, so it shouldn’t have. Toyota ignored me for months. Finally, I filed a B...
by MillennialFinance19
Sat Feb 22, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2019 tax refund?
Replies: 111
Views: 8618

Re: How quickly did you receive your 2019 tax refund?

Huberpc27 wrote: Fri Feb 21, 2020 7:42 pm Is there a Boglehead philosophy on whether a refund is good or bad? I'm in the camp that it is not a good thing.
I try to owe less than $500 each year. If I can manage that, I consider it a successful year. I track my progress in a spreadsheet throughout the year.
by MillennialFinance19
Fri Feb 21, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8438

Re: Used car purchase - now dreading it

I went through this with a Toyota dealership after buying a CPO Highlander. After 2 months, the paint on the hood started flaking off. Per the CPO requirements, the vehicle must have factory quality paint or better to qualify, so it shouldn’t have. Toyota ignored me for months. Finally, I filed a BB...
by MillennialFinance19
Mon Feb 10, 2020 7:15 pm
Forum: Personal Consumer Issues
Topic: How often do you need new car tires?
Replies: 50
Views: 4120

Re: How often do you need new car tires?

We’ve got top end Michelin’s on the Toyota and it’s nearing 60k with them and they’re still looking good. We’ve had cheaper sets last 30-40k, however.
by MillennialFinance19
Sun Feb 09, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14261

Re: Am I crazy to consider quitting my job?

As a fellow federal employee, I’m a no on this. You have a way better than average part time gig. It has a pension. It has great healthcare. Etc etc. I think once the 1 YO reaches school age, you’ll quickly be glad that you hadn’t done this. With all that said, only you can know what the right move ...
by MillennialFinance19
Thu Feb 06, 2020 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Couples w/ kids: What is/was the most expensive time period of your life?
Replies: 145
Views: 12242

Re: Couples w/ kids: What is/was the most expensive time period of your life?

cshell2 wrote: Wed Feb 05, 2020 8:47 am
MillennialFinance19 wrote: Wed Feb 05, 2020 8:45 am We’re in a LCOL area and spend 9k per kid annually on day care. I can’t imagine my expenses increasing enough to erase a $1500 per month surplus of funds.
LOL

Just you wait. :twisted:
I guess I'll have to report back here with my results :shock:
by MillennialFinance19
Thu Feb 06, 2020 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Couples w/ kids: What is/was the most expensive time period of your life?
Replies: 145
Views: 12242

Re: Couples w/ kids: What is/was the most expensive time period of your life?

We’re in a LCOL area and spend 9k per kid annually on day care. I can’t imagine my expenses increasing enough to erase a $1500 per month surplus of funds. LOL Just you wait. :twisted: #College He said excluding college. I have no question that college will be more expensive, however, I do plan to h...
by MillennialFinance19
Wed Feb 05, 2020 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Couples w/ kids: What is/was the most expensive time period of your life?
Replies: 145
Views: 12242

Re: Couples w/ kids: What is/was the most expensive time period of your life?

We’re in a LCOL area and spend 9k per kid annually on day care. I can’t imagine my expenses increasing enough to erase a $1500 per month surplus of funds.
by MillennialFinance19
Sat Feb 01, 2020 2:11 pm
Forum: Personal Investments
Topic: My Sis is going to Ray James, is this fee right?
Replies: 94
Views: 7129

Re: My Sis is going to Ray James, is this fee right?

If I were to use Raymond James, the FA would be able to diligently save the fees at that rate and in 2 years, buy himself a Porsche 911 GT-3 at MSRP. I prefer to pay less than $500 a year, which I presently do. I'll keep the money and someday buy myself that GT-3. Unrelated - but perfect car choice.
by MillennialFinance19
Sat Feb 01, 2020 1:05 pm
Forum: Personal Investments
Topic: My Sis is going to Ray James, is this fee right?
Replies: 94
Views: 7129

Re: My Sis is going to Ray James, is this fee right?

Okay, so this is where I have an issue. I’m all for staying out of the family money convo, but there has to be a line. For example - when my family member was selling golf clubs on Craigslist and was bragging about it, I recognized the scam. I immediately told him he was being ripped off. He disrega...
by MillennialFinance19
Thu Jan 30, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: How much money can I spend on a car?
Replies: 59
Views: 5378

Re: How much money can I spend on a car?

Reading OPs past posts make this borderline unbelievable. Troll alarms are sounding. I await OP's every-so-often posts. I can't believe others don't see the name and immediately remember the entertainment value of their previous contributions. I just read through them all. I wish my wife was in the...
by MillennialFinance19
Thu Jan 30, 2020 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: How much money can I spend on a car?
Replies: 59
Views: 5378

Re: How much money can I spend on a car?

Reading OPs past posts make this borderline unbelievable. Troll alarms are sounding.

Not to mention - If I’m spending $150k on a car, I’m coming home with a Porsche 911 GT3 or a comparable Ferrari. Mercedes... :confused BMW... :oops:
by MillennialFinance19
Wed Jan 29, 2020 2:34 pm
Forum: Personal Investments
Topic: AXA Advisor - VUL and Term Insurance
Replies: 36
Views: 1477

Re: AXA Advisor - VUL and Term Insurance

Ugh, no.

CPAs do taxes and are quite qualified. If you need that, hire one and rely on his fiduciary-bound advice.

The salesman will surely buy you a steak dinner if you purchase a VUL. You can take that to the bank. Hope you enjoy the steak.