Search found 9 matches

by Jakabedy
Thu Nov 28, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 582
Views: 77681

Re: Flaunt Your High-Mileage Car

2004 VW New Beetle Convertible - 136K (bought barely used in 2004 with 3,800 miles on it)
2011 VW Touareg (gas) - 143K (still running strong, but the paint is starting to go. Hoping for 200K)

One driver, two cars. The Beetle was my daily driver from '04-'10, but just gets out on pretty days now.
by Jakabedy
Mon Nov 04, 2019 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Anyone track their actual pension benefit start date?
Replies: 51
Views: 2966

Re: Anyone track their actual pension benefit start date?

A super rough estimate: 4 years, which seems to be the same for several folks. Interesting.

eta: I'm 10.25 years away from retiring with 16 years of service. I contribute 10.7% of my income toward my pension.
by Jakabedy
Sat Oct 26, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5293

Re: Who does your tax returns?

DIY, by hand. When married, my spouse did the taxes and used TurboTax. The tax situation was also more complicated then with a business, and side gigs, and more available deductions prior to the most recent tax reform. 2017 was complex with a work-related move, shuttering of a business, sale/purchas...
by Jakabedy
Thu Oct 10, 2019 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 32474

Re: Anyone want to share their monthly budget? Here's ours

Single, 54, no kids, LCOL area Monthly gross: $10,100 Pre-tax Taxes: $2371 Pension: $1080 403b: $750 Health/Dental/Vision: $234 FSA: $50 Post-tax Parking: $110 Life/Disability: $20 Take home: $5,500 Monthly Spending Mortgage PITI: $1300 (15-year) Utilities: $260 Cable/Internet/Streaming: $200 Cell p...
by Jakabedy
Sat Oct 05, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Transitioning Job - Question about Tail Coverage [Medical malpractice]
Replies: 9
Views: 864

Re: Transitioning Job - Question about Tail Coverage

I have known an anesthesiologist who said he didn't purchase unlimited though. He told me me that those late, many years later lawsuits "never happen". I hope he is right for his sake! The primary purpose of buying a tail is to "buy legal representation". I have personal knowledge of an anesthesiol...
by Jakabedy
Wed Oct 02, 2019 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: ESOP Distribution?
Replies: 5
Views: 390

Re: ESOP Distribution?

I agree with the recommendations to roll it into an IRA (or potentially into your current 401K/403b/457 if it's an option). It was a former employer's ESOP payout smaller than yours that led me to open my Vanguard rollover IRA years and years ago. A bit of 40K here, a dab of cash balance plan there ...
by Jakabedy
Sun Aug 25, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Sudden Death: Sorting Estate in sorrow
Replies: 17
Views: 6561

Re: Sudden Death: Sorting Estate in sorrow

I'm sorry about this sudden loss. As noted above, most accounts will pass outside of probate as long as there are valid beneficiaries associated with the accounts. I'm not sure what the MA and CA connections are, but if everyone resides currently in MA, they should make sure that the attorney they c...
by Jakabedy
Fri Aug 23, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2467

Re: Car accident: advice needed

I agree with the others that it may be time to cut your losses and let it go. But if you do want to keep it, depending on what state you're in, you may wind up having to accept a salvage title for the car. That likely doesn't make much difference to you on a car that has only a few thousand in value...
by Jakabedy
Fri Aug 23, 2019 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Title Insurance on Refi
Replies: 22
Views: 1479

Re: Title Insurance of REfi

Title insurance is state specific and who pays is locality specific. In my state (New Mexico) it’s regulated, so it doesn’t matter where you “shop”, the price will be the same. Also in my state it is customary for the seller to pay for the owner’s title policy, while the purchaser pays for the lende...