Search found 1461 matches

by new2bogle
Mon Nov 04, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Less expensive alternative to Soda Stream for home-made / "no name" Cola?
Replies: 10
Views: 674

Re: Less expensive alternative to Soda Stream for home-made / "no name" Cola?

Why are you chasing fine Scotch with no-name cheap cola? Seems like a waste of fine Scotch.
by new2bogle
Tue Oct 22, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Trip insurance - purchase through orbitz.com or outside?
Replies: 16
Views: 1011

Re: Trip insurance - purchase through orbitz.com or outside?

You are thinking of paying $240 for trip insurance. If instead, you paid $450 for a Chase Sapphire Reserve card and bought the tickets with it, you would have received trip insurance, PLUS $300-600 in travel expenses for the coming year, PLUS whatever signup bonus they are offering currently (at le...
by new2bogle
Tue Oct 22, 2019 10:46 am
Forum: Personal Investments
Topic: Where to park cash that I will need every 2 weeks?
Replies: 5
Views: 635

Re: Where to park cash that I will need every 2 weeks?

Most brokerages have some sort of money market fund. I am not sure if eTrade does. If they do not, I would invest it in a short term treasury ETF like SHV or BIL Based on the other response, my compromise might be to put a year's worth of funding into something like you describe and any excess over...
by new2bogle
Tue Oct 22, 2019 10:43 am
Forum: Personal Investments
Topic: Where to park cash that I will need every 2 weeks?
Replies: 5
Views: 635

Re: Where to park cash that I will need every 2 weeks?

The other $30k which will sit greater than a year (and the then the additional money coming in) could potentially be put to better use, but not sure if putting it in the market per my AA (85/10) is a good idea. If your RSU's are a consistent stream of funding, then put the excess into your AA. You ...
by new2bogle
Tue Oct 22, 2019 10:00 am
Forum: Personal Investments
Topic: Where to park cash that I will need every 2 weeks?
Replies: 5
Views: 635

Where to park cash that I will need every 2 weeks?

I get paid every 2 weeks and out of that I put about $1100 into my post-tax 401k so that I can move it to my Roth (via mega back door). I fund the $1100 through my RSUs at work and right now I have about $60k worth that I withdraw from every two weeks to replace the amount taken out of my paycheck. ...
by new2bogle
Tue Oct 22, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Trip insurance - purchase through orbitz.com or outside?
Replies: 16
Views: 1011

Re: Trip insurance - purchase through orbitz.com or outside?

I ended up getting the Travel Insured "Plus" trip insurance. It was the same price as what orbitz was offering (well, $1 more expensive) but had much much better terms.

Thanks all.
by new2bogle
Mon Oct 21, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Trip insurance - purchase through orbitz.com or outside?
Replies: 16
Views: 1011

Re: Trip insurance - purchase through orbitz.com or outside?

Did you check what coverage your credit card offers you? Also, check what your health insurance covers while out of the country. I rarely purchase travel insurance as I am covered pretty well via: 1) My credit card 2) My US health insurance 3) An evacuation insurance Yes good point. But at $100 for...
by new2bogle
Mon Oct 21, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Trip insurance - purchase through orbitz.com or outside?
Replies: 16
Views: 1011

Re: Trip insurance - purchase through orbitz.com or outside?

Thanks all, multiple recommendations for the same product sounds good to me. I read their policy as well and it seems inclusive enough, though I may call TIS as suggested to make sure. One of my concerns is a 90 mins transfer (which would include clearing customs..) when travelling from Europe back ...
by new2bogle
Mon Oct 21, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Trip insurance - purchase through orbitz.com or outside?
Replies: 16
Views: 1011

Trip insurance - purchase through orbitz.com or outside?

We're going on a 3 week European trip this summer and I've purchased the "trip protection" insurance offered by Orbitz. I still have time to cancel it though. It's $240 for all 5 of us. Has anyone compared the Orbitz trip insurance benefits vs. trip insurance sold elsewhere? For instance, I can go t...
by new2bogle
Tue Oct 08, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Why does my 2018 W2 have 3 different "pay" amounts?
Replies: 5
Views: 579

Why does my 2018 W2 have 3 different "pay" amounts?

I recently got the automated email from the SSA to review my benefits online. While I was checking, I was surprised to see the "medicare earnings" amount in 2018 was higher than I remembered my W2 wages to be. So I checked my 2018 W2 again to see what was going on and I saw three different pay amoun...
by new2bogle
Thu Oct 03, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Posting for a friend: opt out of employer arbitration?
Replies: 16
Views: 1480

Re: Posting for a friend: opt out of employer arbitration?

Thegame14 wrote:
Thu Oct 03, 2019 9:22 am
what happens if they opt out? My wife was told sign the opt out or you don't get your bonus or your raise, so I told her to sign it and write under duress next to her name.
Not sure. It seems like in this case the company wants employees to opt-in.
by new2bogle
Thu Oct 03, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Posting for a friend: opt out of employer arbitration?
Replies: 16
Views: 1480

Re: Posting for a friend: opt out of employer arbitration?

Good summary of some of the "negatives" of forced arbitration here: https://www.consumeradvocates.org/for-consumers/arbitration Thanks - I've sent him the link. This part from the link was interesting: Employees cannot sue for discrimination, harassment, abuse, retaliation, or wrongful termination....
by new2bogle
Thu Oct 03, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Posting for a friend: opt out of employer arbitration?
Replies: 16
Views: 1480

Posting for a friend: opt out of employer arbitration?

The Megacorp one of my friends works for is making everyone enter an agreement to arbitrate for any employee disputes. Since this is a new policy, they are giving the employees a limited time chance to opt out. Question: which is the right thing to do here from employee standpoint? Should he opt out...
by new2bogle
Mon Sep 23, 2019 1:12 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2515

Re: Investing in an apt complex through a real estate equity firm

Nothing inherently wrong with syndication deals, but these cap rates seem very high for a "A" class property. Maybe they rooted out a great deal, and it needs some rehab to force equity.... but you really need to do some deep dusting here. If this is under 20% of your portfolio, not a bad diversifi...
by new2bogle
Fri Sep 20, 2019 3:17 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2515

Re: Investing in an apt complex through a real estate equity firm

coffeeblack wrote:
Fri Sep 20, 2019 2:03 pm
There is a guy advertising in my area for a real estate seminar to make money off other peoples money. I guess you are the other people. :wink:
Not yet :D
by new2bogle
Fri Sep 20, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8297

Re: How to handle "split-the-bill" group lunches?

Is there anyway it is most fair to have the birthday girl pay? Yes! Be from a different culture. There's one culture (I forget which one) that I was introduced to in grad school.. He said do you want to do it the American way or the X culture way (really forget which culture). I asked what's the di...
by new2bogle
Fri Sep 20, 2019 1:52 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2515

Re: Investing in an apt complex through a real estate equity firm

One of my close friends is a partner in a real estate equity firm and has asked me if I want to invest in an upcoming apt complex they are purchasing. The complex itself is good on paper - 200+ units, great location, excellent schools, great demographics (avg income in the mid $90k range). He said ...
by new2bogle
Fri Sep 20, 2019 1:49 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2515

Re: Investing in an apt complex through a real estate equity firm

All that said, the key here is that you do need to understand and evaluate the particular deal, as well as the syndicator. I don't mind reading through a Private Placement Memorandum, analyzing property spreadsheets and cash flows, running some scenarios to determine if I like the deal. This takes ...
by new2bogle
Thu Sep 19, 2019 3:14 pm
Forum: Personal Investments
Topic: One Fund that meets the Bogleheads 3 fund portfolio.
Replies: 14
Views: 1900

Re: One Fund that meets the Bogleheads 3 fund portfolio.

Why are you looking for just one fund? Is having 2 too much extra work?
by new2bogle
Thu Sep 19, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8297

Re: How to handle "split-the-bill" group lunches?

I gave up alcohol a number of years ago and one of the side effects was that I developed more of a sweet tooth than I'd previously had. Although it doesn't bother me to "suck it up" on splitting the bill, I occasionally have dessert and coffee when others don't and figure that evens things up a bit...
by new2bogle
Thu Sep 19, 2019 2:19 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2515

Re: Investing in an apt complex through a real estate equity firm

cherijoh/medic: It is a class A property. The only information I have about seller that he/she/it is out of state. The upgrades will be new flooring (not hardwood though, vinyl plank), new SS appliances, in unit washer/dryer in units that can support this, adding carports where they can, extra showe...
by new2bogle
Wed Sep 18, 2019 4:24 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2515

Re: Investing in an apt complex through a real estate equity firm

As I have previously posted as a 30 year RE industry veteran, I would never invest passively in another's deal. In RE control is everything both in driving the strategy and making sure the capital is well taken care of. Additionally, RE like stocks have had a very good 10 year run. Rents are up and...
by new2bogle
Wed Sep 18, 2019 4:23 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2515

Re: Investing in an apt complex through a real estate equity firm

One of my close friends is a partner in a real estate equity firm and has asked me if I want to invest in an upcoming apt complex they are purchasing. The complex itself is good on paper - 200+ units, great location, excellent schools, great demographics (avg income in the mid $90k range). He said ...
by new2bogle
Wed Sep 18, 2019 4:13 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2515

Re: Investing in an apt complex through a real estate equity firm

One of my close friends is a partner in a real estate equity firm and has asked me if I want to invest in an upcoming apt complex they are purchasing. The complex itself is good on paper - 200+ units, great location, excellent schools, great demographics (avg income in the mid $90k range). He said ...
by new2bogle
Wed Sep 18, 2019 4:12 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2515

Re: Investing in an apt complex through a real estate equity firm

Look up syndications. Returns like this aren't unheard of, but you need to understand the waterfall structure, fees, projections, etc to make sure this is sound. For a 40% return at sale, that usually means a huge repositioning of the property which is generally $$. A commercial property like this ...
by new2bogle
Wed Sep 18, 2019 4:02 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2515

Re: Investing in an apt complex through a real estate equity firm

Thanks for your replies. This is confirming some of my suspicions.

To one of the posters - yes, losing all or a portion of $100k on an apt complex would be a problem. Though on the other hand, in a recession I will be losing all or a portion of it as well.
by new2bogle
Wed Sep 18, 2019 2:28 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2515

Investing in an apt complex through a real estate equity firm

One of my close friends is a partner in a real estate equity firm and has asked me if I want to invest in an upcoming apt complex they are purchasing. The complex itself is good on paper - 200+ units, great location, excellent schools, great demographics (avg income in the mid $90k range). He said t...
by new2bogle
Wed Sep 04, 2019 9:32 am
Forum: Personal Investments
Topic: Possible to put too much into tax advantaged vs taxable?
Replies: 33
Views: 3784

Re: Possible to put too much into tax advantaged vs taxable?

lostdog wrote:
Wed Sep 04, 2019 8:06 am
These are really good articles. Especially the go curry cracker series. Thank you.
Thanks! These articles were good reads.
by new2bogle
Tue Aug 27, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Do I need Uninsured Motorist Bodily Injury if I have health insurance?
Replies: 54
Views: 3371

Re: Do I need Uninsured Motorist Bodily Injury if I have health insurance?

What sort of limits are people here carrying for UM bodily injury? I'm not normally seeing limits over $100k per person, which just doesnt seem like there'd be any residual left for P&S payments after medical is paid. My son burned thru that and more with a complicated broken arm a few years ago......
by new2bogle
Tue Aug 27, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off 0% car loan early
Replies: 52
Views: 2700

Re: Paying off 0% car loan early

Nope I would not and when it was my turn did not.

When I bought a car in 2015, I got a 1.9% loan from Honda for about $22k, which meant over 5 years I would pay ~$1k in interest.

Instead I invested the $22k (in the middle of 2015). I made more in the market than the $1k I spent on interest.
by new2bogle
Tue Aug 27, 2019 2:42 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15361

Re: Best of Bogleheads - your #1 takeaway

muffins14 wrote:
Tue Aug 27, 2019 2:40 pm
Becoming informed of the existence of the mega-backdoor Roth
Ok this one too - thanks Bogleheads for informing me of such a great feature of the tax code!!
by new2bogle
Tue Aug 27, 2019 2:41 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15361

Re: Best of Bogleheads - your #1 takeaway

ionball wrote:
Tue Aug 27, 2019 1:08 pm
The elegance of simplicity.
+1 because it applies to more than just investments.
by new2bogle
Tue Aug 27, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Do I need Uninsured Motorist Bodily Injury if I have health insurance?
Replies: 54
Views: 3371

Re: Do I need Uninsured Motorist Bodily Injury if I have health insurance?

I assume this topic (UM/UMBI) is different than "Medical Payments Coverage"..?

I do not have "Medical Payments Coverage". What does this cover and do I need it?
by new2bogle
Tue Aug 27, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Do I need Uninsured Motorist Bodily Injury if I have health insurance?
Replies: 54
Views: 3371

Re: Do I need Uninsured Motorist Bodily Injury if I have health insurance?

What sort of limits are people here carrying for UM bodily injury? I'm not normally seeing limits over $100k per person, which just doesnt seem like there'd be any residual left for P&S payments after medical is paid. My son burned thru that and more with a complicated broken arm a few years ago......
by new2bogle
Mon Aug 26, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 9854

Re: The cost to talk to a doctor

OP never came to reply what he or she meant by "talk to a doctor" (at least I didn't see it). I find it absurd that people complain for only seeing a doctor for a few minutes. We pay for the doctor's expertise, not his or her time. Some appointments may require varying lengths of time for a diagnosi...
by new2bogle
Mon Aug 26, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Best time to purchase airline tickets to London
Replies: 26
Views: 1749

Re: Best time to purchase airline tickets to London

You might look at a US flight to a gateway city for Norwegian Air, which offers very cheap direct flights to Gatwick on mostly new Boeing Dreamliner aircraft. If you want to splurge a bit, you can get their upgraded class at a reasonable price as well, with nice recliner seats. If you fly into Gatw...
by new2bogle
Mon Aug 26, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Best time to purchase airline tickets to London
Replies: 26
Views: 1749

Re: Best time to purchase airline tickets to London

Another way to do open jaw is to purchase two one-way tickets. Check the discounters, like Norwegian, as well on google flights. You never know when the deals will show up but be ready to purchase quickly. I recently purchase round trip tickets from Orlando to London on Delta for $350 almost a year...
by new2bogle
Mon Aug 26, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Best time to purchase airline tickets to London
Replies: 26
Views: 1749

Re: Best time to purchase airline tickets to London

I’ve found prices are best between 6 and 2 months out. The 2 months side is a hard limit, do not mess with it. Whoosh. Is it really worth the Paris detour? Yes. London-Eurostar-Paris on an open jaw is a classic travel plan that works on many levels. We used it to introduce our 6 and 8-year-olds to ...
by new2bogle
Mon Aug 26, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Best time to purchase airline tickets to London
Replies: 26
Views: 1749

Re: Best time to purchase airline tickets to London

Valuethinker wrote:
Fri Aug 23, 2019 12:30 pm
Whoosh. Is it really worth the Paris detour?
Unfortunately yes. My kids will kill me if we are "only hours" away from the Eiffel tower and they don't get to see it.
by new2bogle
Fri Aug 23, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Best time to purchase airline tickets to London
Replies: 26
Views: 1749

Re: Best time to purchase airline tickets to London

I've never heard of the term "open jaw" but I assume this means the "multi city" option on the various airline booking websites. I had not thought of that - what a great idea! I did a preliminary check and it's about $200/person more to do this, but will be infinitely more practical! I was actually ...
by new2bogle
Fri Aug 23, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12068

Re: Insane to buy a sports car?

How is the reliability of an older Porsche? Say 10 years old. It might be fun to get one on the cheap just for the weekend drives.
by new2bogle
Fri Aug 23, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Best time to purchase airline tickets to London
Replies: 26
Views: 1749

Re: Best time to purchase airline tickets to London

Hello new2bogle, According to this article on ThePointsGuy website, you should target 160 days from your departure date for flights to Europe: https://thepointsguy.com/news/best-times-international-flight/ Europe: Prime booking window: About 1.5 months to a little more than 8 months Best time to bu...
by new2bogle
Fri Aug 23, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Emergency medical insurance (Helicopter transport, etc)
Replies: 32
Views: 3167

Re: Emergency medical insurance (Helicopter transport, etc)

As an EMS physician, I am well aware of the safety records of rotor wing services. Thank you for the article. One of the reasons why my paramedics cannot request air transport except in very few circumstances. As a former paramedic in the Seattle area, I am bound and determined to not be transporte...
by new2bogle
Fri Aug 23, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Fixing roof with missing tiles
Replies: 9
Views: 941

Re: Fixing roof with missing tiles

I need to fix a leaking roof for a small barn-like building in a rural area (I don't live there - this is for a relative.) I am unfamiliar with how I should even start. As far as I can see, from previous visits and some videos, there are three missing tiles on the roof. The rest of the roof seems t...
by new2bogle
Fri Aug 23, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Best time to purchase airline tickets to London
Replies: 26
Views: 1749

Best time to purchase airline tickets to London

We are planning on going to the U.K. (England + Scotland) with a 2-3 day detour to Paris next July. Trip length is still undecided but looking at maybe 2 weeks. We will have 3 elementary aged kids with us. When's the best time buy tickets? I can fly out of any of the major TX airports. Should we be ...
by new2bogle
Fri Aug 23, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17791

Re: White collars- How much is your work downtime?

95% downtime this week.

Most weeks I am hard pressed to even have 35 hours of just face time, much less work time. Some weeks I have 50 hours of 100% work time. I estimate 60% downtime on average.

I am salaried - I am paid for my expertise to get the job done, not sit around twiddling my thumbs.
by new2bogle
Tue Aug 20, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: How to remove security system in new home?
Replies: 18
Views: 1128

Re: How to remove security system in new home?

Our house had a system installed when it was new. When we bought it, installing company refused to help. I found the factory default codes online, reprogrammed the panel, and setup monitoring with AlarmRelay. Been using the system for 12 years now. How do you like AlarmRelay? It is pretty cheap for...
by new2bogle
Mon Aug 19, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Poll: Beater or Luxury car for long daily commute
Replies: 33
Views: 1374

Re: Poll: Beater or Luxury car for long daily commute

For a long daily commute, option 2 hands down.
by new2bogle
Mon Aug 19, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: HCOL savings rates
Replies: 43
Views: 3724

Re: HCOL savings rates

I meet most of the criteria you outlined so I’ll respond. I’m a public-school teacher and my wife is a stay-at-home parent in the Bay Area. We bought our home less than 10 years ago. Here are our numbers: Income: $115k (no health benefits provided by the school district, though) Taxes: $2k/year for...
by new2bogle
Mon Aug 19, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Is it worth sealing half a fence?
Replies: 13
Views: 1287

Re: Is it worth sealing half a fence?

A new house was built next to me and the builder offered to replace my old fence with a new one. The house next door is vacant and the new fence is unsealed. Is it worth it to seal my side (and top) of the fence if the other side is unsealed? I dont want to spend the money and a lot of time if it d...