Search found 221 matches

by Paul78
Sat Jul 21, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: unfairness in the life
Replies: 8
Views: 460

Re: unfairness in the life

When my dentist tried to pull that I said no. I flat out said they are ONLY sending an email of a digital document they already have. It takes all of 15-20 seconds of a receptionist time and cost them NOTHING. If they want to charge me for a copy of x-rays I will just go somewhere else.They agreed t...
by Paul78
Mon Jul 16, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9010

Re: Why own a bed?

Personally I just do the boxspring/mattress. That basically voids the "height" issue since when you sit on the side of the bed it is the same height as a chair. There are also plenty of end tables that accommodate that height. If I ever end up buying a house I would probably get a frame but personal...
by Paul78
Tue Jul 10, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5207

Re: Where do you keep your Emergency Fund?

My Vanguard taxable account (the international portion of my portfolio). I understand that is not the safest place to keep it but at is currently stands I have 2 years worth of expenses in it (that is assuming I MAKE zero lifestyle changes if I get fired) so even if it goes down by 50% I still have ...
by Paul78
Thu May 17, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24923

Re: Lucrative careers?

Rns They can make well over 60k. I live in the Los Angeles area and work for the government (ie slightly lower pay that the private sector). I only have 7 years exp and I am making 100k base salary. That is with zero OT/differentials (I work Tues-Friday 10 hr shift, gets 208 hrs of AL and 104 of SL ...
by Paul78
Sun Apr 22, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5885

Re: How long have you been unemployed?

I was unemployed for 7mths after graduating college. 3-4mths of that was justified (I had to study for and get boarded before I could look for a job and it was also reasonable to expect it to take some time to find a job). The other 3-4mths was me not putting 100% effort into finding a job/getting b...
by Paul78
Tue Feb 27, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Costco - Executive vs. Gold Membership
Replies: 44
Views: 15404

Re: Costco - Executive vs. Gold Membership

i live alone and the executive works for me; worse case scenario over the years is break even. i'm curious what other benefits executive has; i've never had any that i'm aware of. the website says travel (never used) and others. as far as groceries, i get as much as i can at costco except fresh veg...
by Paul78
Mon Feb 05, 2018 2:23 am
Forum: Personal Consumer Issues
Topic: 3rd Shifters, Seeking Advice.
Replies: 11
Views: 1082

Re: 3rd Shifters, Seeking Advice.

My recommendation? Get off third shift as soon as possible. Even if you are able to get adequate sleep it still has negative health consequences. For me personally I could not sleep an adequate amount when working third shift. I went through a period of drinking too much to get 4-6 hours a day of sl...
by Paul78
Thu Jan 18, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension Vs Higher salary + 401k savings plan
Replies: 35
Views: 3598

Re: Federal pension Vs Higher salary + 401k savings plan

Stan I’d retired just after the ability to convert some SL to creditable time, but had to use quite a bit for surgeries and recovery over the prior few years, and the resultant addition was almost negligible, so I do understand (I’d had over 2k hours of SL before then). But even then, over 2k hours...
by Paul78
Mon May 08, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 22774

Re: Why save so much for when you're old?

A few things 1. Saving when you are young gives you an option to retire sooner. I am planning on retiring in my mid fifties. Ideally (I acknowledge the future is not certain) that will give me a 10 year window of still being pretty active and spending a good chunk of change. Plus retiring 10 years e...
by Paul78
Sun Aug 28, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 33
Views: 7212

Re: Don't pay full price for SiriusXM radio

I just went for the "lifetime" option. Cost about $800. I am assuming the car/radio will last at least 10 years. After taking of the the free year (came with car) that comes out to $88 a year. The hope is my car/radio last 15-20 years which would significantly cut down the per year cost. Did you ca...
by Paul78
Sun Aug 28, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: US Gov vs federal contractor - medical benefits in retirement?
Replies: 35
Views: 4298

Re: US Gov vs federal contractor - medical benefits in retirement?

The biggest risk in making the jump from contracting to working for the government for the benefits is that the benefits at subject to change. In the examples of the most recent FERS pension contribution percentage changes referred to above, existing employees were grandfathered in. It is my hope t...
by Paul78
Sun Aug 28, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 33
Views: 7212

Re: Don't pay full price for SiriusXM radio

I just went for the "lifetime" option. Cost about $800. I am assuming the car/radio will last at least 10 years. After taking of the the free year (came with car) that comes out to $88 a year. The hope is my car/radio last 15-20 years which would significantly cut down the per year cost.
by Paul78
Wed Aug 17, 2016 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: US Gov vs federal contractor - medical benefits in retirement?
Replies: 35
Views: 4298

Re: US Gov vs federal contractor - medical benefits in retirement?

Actually, I pay 0.8% into FERS as a pre-2013 hire. I think the current hires right now (not sure when it started) will pay around 4% or 4.4% towards their pension. I got in late 2012 at the .8% of salary into FERS then they we to FERS-RAE for just one year (2013 hires) at 3.1% of salary then they w...
by Paul78
Wed Aug 17, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD
Replies: 69
Views: 6948

Re: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD

[/quote] That ALL depends if said physician is employed by the hospital. If so then there is a good chance as the physician is an employee of the hospital. If the doc is private it would be surprising for the hospital to waive a charge for just doing their job. Actually, in doing so might make them ...
by Paul78
Fri Jul 01, 2016 11:13 pm
Forum: Personal Consumer Issues
Topic: Tipping Etiquette Question.
Replies: 37
Views: 4550

Re: Tipping Ettiquet Question.

The bartender, who in most states in the US is paid $2.13 per hour , did a good job, and should be rewarded, unless the bartender is the owner. That person should not be tipped, and if they are, should claim no share in the tips but rather give them to the wait and kitchen staff. If the owner isn't...
by Paul78
Sun Mar 20, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: fasting for better health
Replies: 16
Views: 1547

Re: fasting for better health

I used intermittent fasting. I eat/drink all of my calories in a 2-3 hour window after work. Then fast for the other 21-22 hours of the day. I lost 45 lbs with this method over a 4-5 month period. Personally I enjoy this method because if allows me to still feel "full" at once a day even though I am...
by Paul78
Wed Mar 16, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: Should I have my kids participate in school fundraisers?
Replies: 78
Views: 7459

Re: Should I have my kids participate in school fundraisers?

I really don't think not having you kid sell things will single him out. When I was in school there were rewards for the classes that sold the most but it was simply the "total" amount they did not look at individual donations. Even in the case of "individual" awards they only listed what the top 5,...
by Paul78
Mon Mar 14, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: How is my personal info leaking?
Replies: 28
Views: 5841

Re: How is my personal info leaking?

lthenderson wrote:My financial net worth on that site is about 20 times less than what it actually is. Don't believe everything you read on the internet.
Sounds like a positive to me. If they listed your actual net worth it might may ambulance chasers wanna find something to sue you about.
by Paul78
Sun Mar 13, 2016 3:41 am
Forum: Personal Consumer Issues
Topic: How is my personal info leaking?
Replies: 28
Views: 5841

Re: How is my personal info leaking?

If you work for the federal government, your salary is a matter of public record. Feeling nosey? :D : Here's what your neighbors made in 2014 (2015 numbers not yet up): http://www.fedsdatacenter.com/federal-pay-rates/ Unlike the private sector, it is not a violation of some HR rule to tell a co-wor...
by Paul78
Wed Jan 27, 2016 9:29 pm
Forum: Investing - Theory, News & General
Topic: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties
Replies: 48
Views: 4963

Re: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties

The very nature of Bonds seems to be changing right before our eyes. I would encourage the OP not to take them for granted and Assume Bonds or Bond funds are "passive" investments in this environment. What they were is not what they are Today. when I say "bonds" I only mean the g-fund. My long term...
by Paul78
Wed Jan 27, 2016 9:27 pm
Forum: Investing - Theory, News & General
Topic: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties
Replies: 48
Views: 4963

Re: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties

Can you put into words why 70/30 was OK in the past and now you think 100/0 is the place to be? I don't necessarily think 100/0 is the place to be. I was at 70/30 because the market had risen a substantial amount (mostly before I started investing my money) and I figured a downfall would occur at s...
by Paul78
Tue Jan 26, 2016 11:01 pm
Forum: Investing - Theory, News & General
Topic: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties
Replies: 48
Views: 4963

Re: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties

AA is how much risk/reward you can handle. Could you emotionally stomach a 50% loss (thimk 1/2 of stocks) without selling out at the bottom? yes As a practical matter, how much money are we talking here? A little over 50k currently in bonds (g-fund) Lets say you go 100% stocks when the market drops...
by Paul78
Tue Jan 26, 2016 12:11 am
Forum: Investing - Theory, News & General
Topic: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties
Replies: 48
Views: 4963

At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties

The stock market has not dropped enough yet for me to go 100/0 but it will get tempting soon. At what point, if any, would you considering making the jump if you have 30+ years left to invest?
by Paul78
Mon Jan 25, 2016 11:49 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 13010

Re: Stats on Americans 'cutting the cable' ?

somewhat cut the cable. Was on a year promo rate called to cancel a couple of weeks ago. Given my current situation (Los Angeles living in an apartment) I have Time Warner Cable is my ONLY option for internet. Needless to say they do not give a current customer a "deal" if they are only asking for o...
by Paul78
Sat Jan 16, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: How's it going?....any self-doubt?
Replies: 47
Views: 5529

Re: How's it going?....any self-doubt?

I am doing fine. In fact I wont mind a bigger drop so I can throw my g-fund money over to the stock market.

Then again I am in my late 20's and have (even in my "best case") 25 years left of working more likely closer to 30. So it is not like I need this money any time soon.
by Paul78
Tue Dec 29, 2015 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with windfall? Version: #8229
Replies: 19
Views: 2188

Re: What would you do with windfall? Version: #8229

If this was me I would pick option A and retire when I turn 50.
by Paul78
Fri Dec 25, 2015 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 16973

Re: Biggest lucky break in your personal finances?

Getting a 45k scholarship worth about 80% of the cost of college. This was about 25k higher than other scholarship's I was offered. Yes part of that was due to work (ie being a valedictorian in high school) but it still involved a great amount of luck -I had two almost B's in high school (lowest gra...
by Paul78
Sun Sep 20, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Working 23 yo Son Medical Insurance Ours/His/Both ?
Replies: 41
Views: 2856

Re: Working 23 yo Son Medical Insurance Ours/His/Both ?

Why pay more when you do not need to? I stayed under my parent's plan 22-23 yo my employer did not offer insurance (I was less than full time) made sense for me just to use my parents at no cost 24-25 yo stayed because it was FREE instead of paying for my own through my work 26+ pay for my own It co...
by Paul78
Wed Aug 19, 2015 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 319779

Re: Mango prepaid card - 4.8% (effective) APY

If they intend to continue rejecting ACH debits, then Mango will be in trouble (IMO). There are plenty of easier and cheaper products out there for customers to choose from. They'll be in trouble with people who use the savings account and don't run up a lot of fees with the cards. Which is why the...
by Paul78
Wed Aug 19, 2015 7:16 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 155
Views: 24409

Re: Blue Apron

We recently tried the $30 for 6 meals Blue Apron intro deal. We have been disappointed with the food. Both meals we have tried so far had a lot of bread and tasteless protein (salmon and meatballs). We cook a lot at home and make both of these dishes much much better than Blue Apron's recipe. The s...
by Paul78
Mon Aug 17, 2015 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 319779

Re: Mango prepaid card - 4.8% (effective) APY

AN update from this FW thread. Someone confirms with Mango CSR that no transfers from Mango to external account except ATM! NetSpend, here I come! Those ATM fees will eat up at lot of the profit. My guess was they might close that loophole (really it is hard for them to make any money if you can ju...
by Paul78
Sun Jun 21, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 155
Views: 24409

Re: Blue Apron

Unfortunately it doesn't look like I can specify a soy protein allergy. I suppose any ingredients containing it could be left out or substituted unless it's a large part of the dish. But the price... wow. Our entire monthly grocery budget is exactly the same as the monthly price for this subscripti...
by Paul78
Tue Jun 09, 2015 4:25 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 86
Views: 12532

Re: Thoughts on Federal Employment

Granted I have do not have much experience (3 years fed and 1 year private) but federal seems to have many more positives Time off My private sector job gave me 2 weeks of PTO with the ability to carry over at most 240 hours (ie if at the end of the year you had more than 240 hours you had to cash o...
by Paul78
Wed May 20, 2015 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 5874

Re: Credit Cards are Good

Just like stocks they are good for people both upper middle class (or higher) who are also disciplined. The poor mostly likely will be stuck with "bad" credit cards with poor rewards just as the poor can not afford to put money in the market. The undisciplined spend their fortune instead of investi...
by Paul78
Tue May 12, 2015 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 5874

Re: Credit Cards are Good

Just like stocks they are good for people both upper middle class (or higher) who are also disciplined. The poor mostly likely will be stuck with "bad" credit cards with poor rewards just as the poor can not afford to put money in the market. The undisciplined spend their fortune instead of investin...
by Paul78
Mon May 11, 2015 8:29 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 10835

Re: International - Who really is at 40%

37.6% of my stocks are international
my goal is 60/40

25% of my bonds are international
my goal is 80/20
by Paul78
Mon Apr 27, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 14137

Re: How far away from a freight railroad track should you li

I am 500 yards or so from the Amtrak line, effectively if you are in southern California and near the freeway you are near the train. They don't blow the whistle though and we have 0 issues with the train. I actually like the sound of them rolling along the track near the house its kind of comforti...
by Paul78
Fri Apr 24, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 5867

Re: Who still have Cable TV?

and sports. Yes you could go to a bar or a friends house but I like the ability to watch in the comfort of my own home. For example as a Golden State Warriors fan the ability to watch yesterdays game 3 ver New Orleans was easily worth $25 of entertainment for me. NBA playoffs, college football (I po...
by Paul78
Fri Apr 24, 2015 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: "Bonus" on AMEX Blue Cash and Blue Cash Preferred
Replies: 41
Views: 25332

Re: "Bonus" on AMEX Blue Cash and Blue Cash Preferred

Thanks for the info, very helpful. I am aware of the $6K cap. I usually hit around $4k, and this seems like a great way to get that last $2,000. 5.95 fee per card = $71.4 Wasn't aware of GC fees, as I can't recall ever buying any. Do all stores, or all cards, have them? The credit card ones do. At ...
by Paul78
Fri Apr 24, 2015 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: "Bonus" on AMEX Blue Cash and Blue Cash Preferred
Replies: 41
Views: 25332

Re: "Bonus" on AMEX Blue Cash and Blue Cash Preferred

This has been covered before, but I haven't seen it mentioned any time lately and my family just used it to good effect, so I thought I'd remind folks. As many here know, there is an excellent cashback reward on groceries on AMEX Blue Cash (3%) and AMEX Blue Cash Preferred (6%). As you probably als...
by Paul78
Fri Apr 24, 2015 12:57 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 5867

Re: Who still have Cable TV?

I have cable and even worse I only have one provider choice (Los Angeles sections out the cable market and I live in an apartment so I can not have satellite). I just get the new customer promo rate every year by calling and threatening to cancel. Even with the promo rate it is still a bit expensive...
by Paul78
Sun Apr 12, 2015 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 18079

Re: Household Gross Income Poll

Anyway it doesn't matter. It's just a poll in a forum. It does show that this forum is strongly skewed towards higher incomes, much more than I expected. I wonder if the respondents are skewed as well such that those who make less are embarrassed to answer despite the anonymity of the poll. That's ...
by Paul78
Sun Apr 12, 2015 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 18079

Re: Household Gross Income Poll

This forum just represents a very select sample of society-mostly high earning, mostly wealthy or rapidly on their way there. Definitely. I can't believe how many 20-somethings there are on the board earning 6 figures with no student debt. I imagine that not a small number of them had all their col...
by Paul78
Sat Apr 11, 2015 3:59 am
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 22777

Re: The $1 Million Goal: Source of Motivation or Discouragem

Motivation for me. 1. I have a decent paying job 2. My million will be worth a lot less than your (related to me being young and inflation). But to be fair my current goal is to have 1.5-2mil in today's dollars by the time I retire. But yes if I was making half as much or if I had the same income bu...
by Paul78
Sat Apr 11, 2015 3:52 am
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 11657

Re: When to give adult children their inheritance?

I would say in the range of 35-40. That way they still have to live their life (college, career, marriage, ect), still get the money early enough to still enjoy it with many-hopefully- healthy years left in their life, and are hopefully old enough not to just waste the money. If they get it too earl...
by Paul78
Fri Mar 13, 2015 4:45 am
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 12808

Re: What won't you pay with Credit Card?

Anything that cost more with a credit (when rewards are factored in) than by a different method. I know in the past I have lived in apartments that allow cc payments but charge a 3% fee. Any small purchases that are no necessary. If I go to the vending machine to buy I candy bar which I dont need I ...
by Paul78
Wed Mar 11, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: If 2% is real, we are . . . . ?
Replies: 63
Views: 8723

Re: If 2% is real, we are . . . . ?

2% real along with 70% social security is what I use for my estimates (30 years left investing and hopefully 30 years in retirement) and I am doing just fine. I will actually be able to increase my spending for those 30 years in retirement by $1500-2000 a month (current dollars) more than I currentl...
by Paul78
Sat Mar 07, 2015 11:24 pm
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 8385

Re: Just cut my cable bill...

On a related note, I have been thinking about how much people spend on Internet, mobile phone, home phone, and TV services because my guess is these services account for a large portion of a family's disposable income. Especially families with an "average" income (ie I am guessing bogleheads make a...
by Paul78
Fri Mar 06, 2015 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 17998

Re: When will / did you claim Social Security benefits?

my *goal* is 70. My hope is SS at 70 and my pension (should equal about 30k a year in todays dollars) will at least be enough money (in case I do live a long time) for me to get by without living in poverty. Honestly I expect to spend far more money on life experiences (ie the "fun" part of retireme...
by Paul78
Wed Mar 04, 2015 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Roth TSP vs. TSP Contributions
Replies: 30
Views: 3311

Re: Roth TSP vs. TSP Contributions

seems to be an easy choice for me since this money (tsp contributions) would be taxed at -25% federal -9.3% state If I picked the Roth instead of traditional. But if some/all of the tsp money was in the 15% federal bracket and/or my state had a lower income tax it would be a more interesting decision.