Search found 290 matches

by Paul78
Fri Nov 27, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: My car insurance rate is $1000/month. HELP
Replies: 63
Views: 6577

Re: My car insurance rate is $1000/month. HELP

Well 1st step is to obviously get a quote from all the major car insurance companies. After my accident Geico quoted me at 6k a year, most major companies 4k a year, and progressive at 2k a year. Obviously I went with progressive. So just by checking all the major companies you might find something ...
by Paul78
Tue Nov 24, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147963

Re: Coronavirus (Consumer Issues) How you are preparing?

I get it though...the average American uses 140 rolls per year. The average American uses a roll of toilet paper every three days? Wow! ugh yeah not gonna lie I probably use one (when you combine at home/work/restaurants/public places) about every 4 days... So I am pretty much right at that average...
by Paul78
Tue Nov 24, 2020 4:30 pm
Forum: Personal Investments
Topic: When to retire - early, mid, end of year
Replies: 40
Views: 3389

Re: When to retire - early, mid, end of year

I would say tax wise early in year right after you made enough to max out your 401k and ira. So could be two weeks or 6 months depending on how much you are making. But tax wise that plan would make the most sense to me.
by Paul78
Wed Nov 18, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 234
Views: 13643

Re: Which diet soda pop do you enjoy?

For best tasting (or closest to the real thing) coke zero diet sunkist diet canada dry Personally I liked the ones that add a touch of sugar (so a can has 20-40 calories instead of the standard 140-180) but those don't seem to be too popular. I switched over to water plus morning coffee about 7 year...
by Paul78
Tue Nov 17, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: Essential kitchen appliances?
Replies: 55
Views: 2709

Re: Essential kitchen appliances?

Essential in any kitchen: corkscrew and at least one decent knife, preferably two (paring and medium size or chefs knife). Thanks, any knife brands you recommend? Preferably ones that are decent quality for its value. Victorinox . Yeah bought their $20 or whatever it was chef's knife 10 years ago a...
by Paul78
Tue Nov 17, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Essential kitchen appliances?
Replies: 55
Views: 2709

Re: Essential kitchen appliances?

That being said, a sous vide device meets my criteria for worthwhile kitchen appliance (small, not too expensive, easy to store, performs novel and useful function) and it allows you to bring proteins to temperature and hold for a bit before a quick finish when you're ready to eat. Seconded. I like...
by Paul78
Fri Nov 13, 2020 7:23 pm
Forum: US Chapters
Topic: Missing Munchkin Man
Replies: 29
Views: 3347

Re: Missing Munchkin Man

The Munchkin Man is making me feel old. It has been seven years since the Munchkin Man last posted. It does not feel like it has been seven years. My conclusion is I am getting old.
by Paul78
Fri Nov 13, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Need SAT prep suggestion
Replies: 36
Views: 1858

Re: Need SAT prep suggestion

Greetings all, I have a quite bright but slothful student whose grades mean they will need a very good score on the SAT. I need suggestions for a preparation course. I am neither famous, extremely wealthy, nor amoral so I cannot avail myself of various "special" techniques. Thank you. I t...
by Paul78
Fri Nov 13, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: Need SAT prep suggestion
Replies: 36
Views: 1858

Re: Need SAT prep suggestion

Student is bright; will prob do quite well on SAT without any xtra prep. I would try to work more on the “slothful” aspect of their personality. Why ? 1) Suppose they do SAT prep, maybe get a few xtra points on the SAT, maybe get into a better school, then can’t keep up in college because they are ...
by Paul78
Thu Nov 12, 2020 6:48 pm
Forum: Personal Consumer Issues
Topic: Need SAT prep suggestion
Replies: 36
Views: 1858

Re: Need SAT prep suggestion

The WSJ has run some articles on this in the past. I believe most of the research shows gains attributable to test prep to be relatively modest. Well isn't that the point? SAT is kinda like a pseudo IQ test (or at least it use to be). You can hone your IQ a bit (and you can certainly tarnish it sig...
by Paul78
Thu Nov 12, 2020 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Your experience with making major changes in mid-life?
Replies: 38
Views: 4056

Re: Your experience with making major changes in mid-life?

I live in CA. I want to move out. The grass is not greener. You might want to take a look at Long Beach --easy access to Los Angeles but more reasonable housing prices. Most folks either accept the price tag for California and enjoy it, or leave. I do enjoy California much more now that I am retire...
by Paul78
Thu Nov 12, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Your experience with making major changes in mid-life?
Replies: 38
Views: 4056

Re: Your experience with making major changes in mid-life?

beachairs wrote: Thu Nov 12, 2020 5:59 pm Housing doesn't have to cost >$1M in San Diego. You can reasonably spend $600-800k and still be 10-15 min to the beach. Weather is great so perfect if you seek an outdoor lifestyle.
Today maybe, but in 7 years I doubt it.
by Paul78
Thu Nov 12, 2020 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Your experience with making major changes in mid-life?
Replies: 38
Views: 4056

Re: Your experience with making major changes in mid-life?

I live in CA. I want to move out. The grass is not greener. Seems like living in CA is a love it or hate it proposition for most folks. We will have the flexibility to move elsewhere whenever we want thanks to my wife being able to work anywhere and me not needing to earn additional cash to make en...
by Paul78
Tue Nov 03, 2020 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Else Feel Broke Trying to Maintain a High Savings Rate?
Replies: 114
Views: 11683

Re: Anyone Else Feel Broke Trying to Maintain a High Savings Rate?

I don't recall the numbers, but many years ago I was trying to save every last penny for retirement. Then a friend died at the age of 40. That changed my thinking quite a bit and I looked for balance for having a nice life then and in retirement. Yep. You have to look at all the possibilities when ...
by Paul78
Fri Sep 11, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 73
Views: 4879

Re: Repair plasma television or get new TV?

If you like sports repair the plasma! Plasma is the best (I even like it better than the OLED) for sports. I don’t watch much sports any more, but there’s something to be said for Formula 1 on a 77” OLED. I don’t know what max size on plasma was, but I think max was 55” My plasma was 64 inches. But...
by Paul78
Fri Sep 11, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 73
Views: 4879

Re: Repair plasma television or get new TV?

If you like sports repair the plasma! Plasma is the best (I even like it better than the OLED) for sports.

If you are primarily into movies/shows replace it. You can get relative cheap TVs that will look better with movies/shows than your current plasma tv.
by Paul78
Thu Sep 10, 2020 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants screening
Replies: 32
Views: 2734

Re: Tenants screening

I believe that a city near us mandates that the first tenant that meets the landlord's criteria must be selected as the renter. Won't that just encourage you to have crazy high income standards? That way you don't get stuck with someone who can barely afford to pay rent (and is more vulnerable to b...
by Paul78
Fri Sep 04, 2020 1:43 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 296
Views: 34280

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

I really don't understand the criticism I'm reading directed to the OP. Anywhere from "not your business" to questioning his motives. He is his dad. He wants to offer good advice. Advice the I believe most Bogleheads would agree with. I would do the same if I faced the same situation. Wel...
by Paul78
Fri Sep 04, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: BCBS or GEHA?
Replies: 78
Views: 4484

Re: BCBS or GEHA?

GEHA kinda depends on which part of the country you live in. They basically sublet their insurance. I have GEHA HDHP and in my area Aetna is the insurer they use. I have had zero issues with claims or reimbursement so far. And one funny thing is Aetna also offers a HDHP BUT the premiums are higher a...
by Paul78
Fri Sep 04, 2020 12:41 pm
Forum: Non-US Investing
Topic: How will you describe your investing journey so far?
Replies: 51
Views: 4297

Re: How will you describe your investing journey so far?

Boring. Pretty much just keep throwing 30% of gross income into retirement (most tsp/ira/hsa but also some taxable). Obviously can't complain about the returns over the past 9 years (time since I started investing). Slightly annoyed that international has done so poorly compared to domestic (stock w...
by Paul78
Tue Aug 25, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Worst Case
Replies: 142
Views: 9999

Re: Umbrella Insurance - Worst Case

First rule of insurance is not to disclose the presence of insurance & especially any limits. For instance in a car accident the only relevant item is the car insurance co and their contact info. There's at least one auto insurance co that started putting limits on their car insurance glovebox ...
by Paul78
Wed Aug 12, 2020 6:50 pm
Forum: Investing - Theory, News & General
Topic: What happens if you run out of money in retirement?
Replies: 175
Views: 15618

Re: What happens if you run out of money in retirement?

Provided I make it to retirement (obviously not a guaranteed) I don't really think it is possible for me to run out. -My social security and federal pension will be enough to pay for a nursing home/assisted living. Sure it might not be a nursing home I particular like or want to be in BUT I won't be...
by Paul78
Sun Jul 12, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: Tip Dental Hygienist for Teeth Cleaning? Thanks everyone.
Replies: 72
Views: 5060

Re: Tip Dental Hygienist for Teeth Cleaning? Thanks everyone.

I think that tipping professionals, which includes hygienists, is insulting to them. If you have one that is special or has gone above and beyond the call of duty, a gift would be more appropriate. I mean personally I won't find it insulting to directly receive a cash tip. But ethically I am not al...
by Paul78
Sat Jul 11, 2020 12:09 am
Forum: Personal Consumer Issues
Topic: Tip Dental Hygienist for Teeth Cleaning? Thanks everyone.
Replies: 72
Views: 5060

Re: Tip Dental Hygienist for Teeth Cleaning? Thanks everyone.

Wow! I had not idea they made that much. j :happy [/quote] Yeah they pretty much are equivalent to RNs salary wise. Not going to lie was a bit surprised when I randomly looked up their salary one day. Was expecting it to be more in line with LVN salary (around 50k) not RN. But I am guessing they ha...
by Paul78
Sat Jul 11, 2020 12:03 am
Forum: Personal Consumer Issues
Topic: Tip Dental Hygienist for Teeth Cleaning? Thanks everyone.
Replies: 72
Views: 5060

Re: Tip Dental Hygienist for Teeth Cleaning? Thanks everyone.

Honestly they are probably not allowed to accept cash tips. Plus it they make, on average, 75k a year which seems above the traditional tipping wage.

If you feel the need to tip I would just suggest buying the office lunch one a year.
by Paul78
Wed Jun 03, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: HSABank changing terms about account minimums?
Replies: 55
Views: 4167

Re: HSABank changing terms about account minimums?

I contacted GEHA, and they said they were not aware of this change, and it should not be the case; they are referring it to their HSA depertment for more investigation tomorrow (closed for the day). From my experience GEHA reps know little about HSA accounts. I have had far more success talking str...
by Paul78
Wed Jun 03, 2020 8:15 am
Forum: Personal Finance (Not Investing)
Topic: HSABank changing terms about account minimums?
Replies: 55
Views: 4167

Re: HSABank changing terms about account minimums?

Why do you say it is a change in terms? From what I understand, HSA Bank has had a threshold for the investment account. It is possible that your employer used to subsidize that cost and that is what changed. I bypass my employer HSA and go straight to Fidelity with no fees and no minimum. They had...
by Paul78
Mon Apr 27, 2020 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7523

Re: How do you explain no COVID19 Stimulus Payment?

I would just tell the truth and not be evasive. Honesty is the best policy. So if less well off friends/relatives asked you exactly how much you make you'd be okay answering? In my case pretty much yes as my base salary is public record. But I can see why most people would want to keep their salary...
by Paul78
Mon Apr 27, 2020 10:48 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 124
Views: 11371

Re: Anyone wish they would have invested more during recent downturn?

Of the "powder" I had when this downturn started I invested about 50%. 50% still in g-fund (essentially just straight cash) 30% invested into c-fund when it was DOW 21,000, well that is what it was when I first made the purchase but the DOW just happened to go up 2k points that day so the ...
by Paul78
Mon Apr 27, 2020 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6329

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

If push comes to shove, I'd choose the "get a lower paid full time remote job and move to LCOL" rather th an put up with that. I think this is going to majorly change how companies operate and have ramifactions for real estate markets as well (office, retail and residential). For years my...
by Paul78
Mon Apr 27, 2020 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6329

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

I would be curious how healthcare employers are handling this. For Bogleheads on the board in a mix of healthcare settings, what is the current trend? Would some types of staff be permitted some WFH even after lockdowns eased? Honestly my department was strongly pushing for Providers to start WFH (...
by Paul78
Sun Mar 22, 2020 1:19 am
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 18562

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

Dan But Dan, has any of you on this board been through a situation like this before? The last time the country had something like this was 100 years ago. Again, please hear me out. Hear me out. I'm not doing this based on a recession, or a bad cycle, or a news cycle gone wrong, you know like the th...
by Paul78
Thu Feb 27, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147963

Re: Coronavirus (Consumer Issues) How you are preparing?

You state that it isn't an earthquake or military attack, but then go on to describe a scenario of 4 million deaths in the U.S. (which is a plausible scenario given the current data). But to put this in perspective, if it kills 4 million Americans, that will be more (a LOT more) than ALL Americans ...
by Paul78
Wed Feb 26, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147963

Re: Coronavirus (Consumer Issues) How you are preparing?

Unless of course, you're one of the 4 million... :? Well yes. And if you are in a high risk group it might make sense to really isolate yourself and take extra precautions. But if you are one of the majority of American's there is really not much to do other than take standard precautions. I mean y...
by Paul78
Wed Feb 26, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147963

Re: Coronavirus (Consumer Issues) How you are preparing?

Frankly, if it becomes epidemic it may be impossible to prepare for it. If this is a grinding, multi-month event in the US, like it is in China, the economy will crater. There are millions of people in this country who *need* to work in order to eat. I could hunker down for months, telecommute etc....
by Paul78
Tue Feb 25, 2020 12:46 pm
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 22692

Re: What did you learn from the 2/24 sell off?

Nothing. Honestly even in my wild dreams best case scenario I am 19 years from retirement (more likely scenario is 26 years). So drops don't mean anything to me at this point. Heck a crash would actually be good for me right now -might drop houses prices a tad (I live in a HCOL area where one bed on...
by Paul78
Sun Sep 29, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 5863

Re: What Benefits to Expect for new Fed employee?

The FERS defined benefit was a great deal when you were only contributing 0.8% of your pay. Now it's 4.4% mandatory contributions for new employees. Yep that really adds up over a career. Don't get me wrong it is still a good deal (the Fed portion is much higher than 4.4% of your salary) but over t...
by Paul78
Tue Sep 24, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 5863

Re: What Benefits to Expect for new Fed employee?

The FERS defined benefit was a great deal when you were only contributing 0.8% of your pay. Now it's 4.4% mandatory contributions for new employees. Yep that really adds up over a career. Don't get me wrong it is still a good deal (the Fed portion is much higher than 4.4% of your salary) but over t...
by Paul78
Mon Sep 23, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 5863

Re: What Benefits to Expect for new Fed employee?

+1 on opting out of FEGLI. Of all the employees I had counseled on this issue and told them to shop the private sector, not one came back to say FEGLI was a better deal. Employees with pre-existing health conditions may find it competitive, particularly if they can not secure private life insurance...
by Paul78
Mon Sep 23, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 5863

Re: What Benefits to Expect for new Fed employee?

On the topic of fed health insurance, does anybody have any experience with the HSA eligible Aetna plan? In my experience go with HSA GEHA plan instead. At least in my case the following were true 1.) It provided slightly more services that the Aetna plan 2.) It was cheaper than the Aetna plan 3.) ...
by Paul78
Sun Sep 15, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Would you spend an extra day a week for 1 year working for a luxury
Replies: 27
Views: 2616

Re: Would you spend an extra day a week for 1 year working for a luxury

Here is the scenario: You are offered an opportunity to put in 1 extra day of work every week for 1 year, and it would afford you a luxury item of your desire. I don't necessarily want to state which item because everyone has their own itch. It could be a boat, a nicer car, a pool, a kitchen remode...
by Paul78
Sun Sep 15, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: I know you shouldn't try to time the market but what about the "housing market"?
Replies: 16
Views: 2398

I know you shouldn't try to time the market but what about the "housing market"?

I live in a HCOL area which has had a 50% increase in real estate value over the past 5 years. I am planning in staying the area at least until retirement (25 years or so). Currently I am at the point where I would like to own a condo (realistic the areas I am looking at I could not afford a house) ...
by Paul78
Fri Sep 06, 2019 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Career change at 36- Finance to Nursing/PA?
Replies: 40
Views: 4227

Re: Career change at 36- Finance to Nursing/PA?

Something else to keep in mind is the schedule. There are no “holidays” in healthcare. You will be expected to work weekends, holidays, etc. having little kids that can be tough as you may be stuck at work all day. I mean there can be holidays and a standard work schedule (Mon-Fri day shift) if you...
by Paul78
Fri Sep 06, 2019 1:59 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 10968

Re: Federal Employee Burn or Sick Leave [before retirement]

To me, the concept of hoarding sick leave implies the use of annual leave in lieu of sick leave. I’m not sure how it can be interpreted otherwise. MichDad They did crack down of using AL in lieu of SL where I was working. Basically just made it so AL had to be pre approved (I believe at least two w...
by Paul78
Mon Sep 02, 2019 8:08 pm
Forum: Personal Investments
Topic: Avoid grandson poverty
Replies: 76
Views: 9968

Re: Avoid grandson poverty

Maybe wait and see if he actually needs to assistance first? I mean unless there are other factors which make it highly likely he will be unable to obtain gainful employment. Whatever you can pay just pay that towards his college cost. Then see if he actually needs that assistance when he starts wor...
by Paul78
Mon Sep 02, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 10968

Re: Federal Employee Burn or Sick Leave [before retirement]

I used S/L when I needed, over a long Fed career. That is best advice. One benefit of working for the federal government is you can actually call in sick when you are sick. It took me a bit of time to adjust to that (back in my private sector PTO days they would have to send me home. I would always...
by Paul78
Mon Sep 02, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 10968

Re: Federal Employee Burn or Sick Leave [before retirement]

I suppose it's possible to burn up most of your sick leave along the way, and if you're actually in poor health that's understandable, but I think faking sick to go fishing or whatever while your colleagues pick up the slack is wrong. My two cents. And that is another point. Even if you want to &qu...
by Paul78
Wed Jul 31, 2019 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 10968

Re: Federal Employee Burn or Sick Leave

I wouldn’t take annual leave in lieu of using sick leave in order to preserve sick leave. If you saved every hour of sick leave over the course of a 30 year career, you’d add roughly 16 months to your annuity. So 1.3% times final high 3. If your high 3 is $100,000, you’d add $1300 to your annual an...
by Paul78
Tue Jul 30, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 7668

Re: What's your Uber passenger rating?

4.69 I always assumed this is because I am not much of a talker when it comes to cab rides/uber. My assumption is some drivers just prefer to have more of a talker and/or they make the assumption I am not going to tip as well because I am not having a prolonged convo with them. Don't get me wrong I ...
by Paul78
Wed Jul 24, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Decision to buy earthquake insurance
Replies: 40
Views: 2613

Re: Decision to buy earthquake insurance

Would a roughly 1200 home in the Bay Area cost much more than $260k to build? I’m being serious. I’d assume almost all of your home’s value is from its land. A home like yours shouldn’t require expensive materials or whatnot due to the climate. I’m picturing a very basic house with a small kitchen ...