Search found 1489 matches

by Random Poster
Thu Nov 30, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11119

Re: After financial independence, do you lose motivation for work?

Another encouraged thinking of your day as simply a series of activities. What if the money you got every month wasn't connected to your activities. How would they change? This concept doesn't make any sense to me. If I received $5,000 a month simply as a consequence of being alive and getting out ...
by Random Poster
Thu Nov 30, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11119

Re: After financial independence, do you lose motivation for work?

mak1277 wrote:
Thu Nov 30, 2017 9:03 am
I'm not saying accountants are not *necessary*, I'm just saying that nobody is going to miss my contribution if I quit my job (same goes for all other accountants in the history of time).
But see Itzhak Stern.
by Random Poster
Mon Nov 27, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 21
Views: 1769

Re: Amica Increase

AMICA increased the premiums for my car insurance by around $100 (or about 16%) and umbrella by around $20 (or about 10%), but decreased the renter's insurance by a few dollars. All for policies in Texas, and I have not made any claims. The dividend on the umbrella and renters' insurance was cut by,...
by Random Poster
Thu Nov 09, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1770

Re: Best Approach for Purchasing Many Furnishings

If you aren't picky about such things, you can often find decent plates, glasses, and basic baking tools (dishes, cookie sheets, etc) at Goodwill. If you don't plan on living in the apartment for very long and don't want to be attached to much, consider buying some outdoor-type furniture and using t...
by Random Poster
Thu Nov 09, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 4998

Re: what pickup truck

I'd suggest one that doesn't get stuck.

Based on this fine song from Corb Lund, I'm not sure what brand is best at avoiding such a pitfall. Perhaps something Japanese?
by Random Poster
Wed Nov 01, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: HSA calculator and choosing health plan
Replies: 6
Views: 842

Re: HSA calculator and choosing health plan

My concern with the HSA calculators (whether online or the one that is provided by my employer) is that the estimated price for drugs and doctor visits seems awfully low to me---such that they tend to skew the end numbers to favor the HSA plan. If you manipulate the drug/doctor visit prices (presumi...
by Random Poster
Wed Nov 01, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: HSA or PPO When Possibly Leaving Employer and Going on the ACA Exchange
Replies: 4
Views: 434

Re: HSA or PPO When Possibly Leaving Employer and Going on the ACA Exchange

Premiums, no. . . . You can use your HSA to pay premiums . . . Note that if you leave the high-deductible plan mid-year . . . . Thanks. The proration and uncertainty of whether the ACA insurance would be HSA qualified all seems to be rather complicated. It might cost me more money, but I'm leaning ...
by Random Poster
Tue Oct 31, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: HSA or PPO When Possibly Leaving Employer and Going on the ACA Exchange
Replies: 4
Views: 434

HSA or PPO When Possibly Leaving Employer and Going on the ACA Exchange

My employer is offering, among other plans, a HSA (and CDHP) health insurance plan and PPO health insurance plan. I've never had a HSA/CDHP insurance plan before. The monthly premiums for the CDHP are half of what the PPO premiums are, but the annual deductible for the CDHP is 3 times as much as the...
by Random Poster
Thu Oct 26, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 14948

Re: 2018 ACA rates now live....

You apparently are not subsidized. If not, get a quote for a silver plan off of the exchange. You will find that if you buy the same silver plan off of the exchange, it did not go up anywhere near 31.4% to 49.8% that you see on the exchange. For the reason, see my previous post. Excuse my ignorance...
by Random Poster
Thu Oct 26, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 183
Views: 20251

Re: Let's talk about your FI # and family income [Financial Independence]

I'm seeing a lot of FI numbers in the $2.5 to $3 million range. I wonder how many people will increase that number once they hit their goal---whether because they now are concerned that their original number isn't truly enough for financial independence, or because they want a bit of a safety cushio...
by Random Poster
Tue Oct 10, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Corrected Consolidated 1099 from Vanguard - Help!
Replies: 11
Views: 1153

Re: Corrected Consolidated 1099 from Vanguard - Help!

I recently received a corrected Consolidated Tax Information Statement from Vanguard dated 08/18/2017! Has anyone received a corrected form this late in the year? Why, yes, I have. Vanguard recently issued me a Corrected Tax Information Statement for a brokerage account dated September 22, 2017. Ir...
by Random Poster
Wed Sep 20, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Letter For Survivor(s) / Executors
Replies: 10
Views: 1381

Re: Letter For Survivor(s) / Executors

Is this what you are looking for?

viewtopic.php?t=198919
by Random Poster
Thu Sep 14, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Are Cotton Blankets Good For Winter?
Replies: 21
Views: 1758

Re: Are Cotton Blankets Good For Winter?

heybro wrote:
Thu Sep 14, 2017 4:14 am
I like the idea of cotton because it is cuddly soft and natural.
As is a Buffalo hide.

Consider using one of those instead.
by Random Poster
Fri Sep 08, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 5955

Re: What is the main purpose of holding your current job?

5. I'm not sure what else to do at the moment.
by Random Poster
Wed Sep 06, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal
Replies: 13
Views: 1398

Re: Variable Percentage Withdrawal

The withdrawal percentage rates seem high to me....

Perhaps the method is sound, but reducing the withdrawal rates by 1% or 1.5% would provide more security for the withdrawer?
by Random Poster
Wed Aug 30, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10816

Re: Companies/Brands You Love?

Surprised that no one has yet mentioned Vanguard.

ETA: And since Vanguard is owned by its investors, doesn't that mean that, if you are Vanguard investor, you love yourself?
by Random Poster
Thu Aug 24, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 14722

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

I was mainly just trying to stress that there was another well respected researcher who implied sub 3% withdrawal rates, regardless of age, are overkill (which for some reason I get irrationally riled up about whenever I see them discussed here). I think that it is reasonably easy to talk about liv...
by Random Poster
Tue Aug 22, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What is your cash reserve limit, above which you invest?
Replies: 25
Views: 2822

Re: What is your cash reserve limit, above which you invest?

$450,000, plus around $50,000 in a checking account for a year's worth of expenses that gets drawn down over the year (and then replenished when it gets down to the low thousands).
by Random Poster
Tue Aug 22, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Advice on visit to Yosemite
Replies: 38
Views: 3957

Re: Advice on visit to Yosemite

dowse wrote:
Wed Oct 19, 2016 3:41 pm
Just wanted to follow up on our now completed trip.
I'm also considering going to Yosemite the last week of this September. How were the crowds in the valley during your trip?
by Random Poster
Sat Aug 19, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3697

Re: Trip to Banff / Lake Louise / other places

Takakkaw Falls in Yoho National Park, just west of Lake Louise in B.C.

The falls are more impressive in the early summer, but I enjoy seeing them and hiking around the area whenever the road is open.
by Random Poster
Fri Aug 18, 2017 7:56 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 63927

Re: Forum software upgrade bug reports and change requests

Is there a way for users to change the notification icon from red to something else? Likewise with the red page icons that show up next to some threads? The blue theme of Bogleheads is relaxing and conducive to good thought. The red is alarming. Agreed. I find the whole update makes the forum somew...
by Random Poster
Thu Aug 17, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 13044

Re: Is it worth it? [demanding jobs vs time with family]

I would like to ask everyone on this board who has been there, done that (or is currently doing it)...was it worth it to you to work hard in your thirties (and beyond) with young children so that you would have long term financial security? I know there are many successful people on this board so I...
by Random Poster
Wed Aug 16, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: If you received robocalls from cruise lines
Replies: 13
Views: 1754

Re: If you received robocalls from cruise lines

My number wasn't listed in the settlement when I inserted it in XXX-XXX-XXXX format, but it was when I removed the dashes.
by Random Poster
Thu Aug 10, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 2017

Re: Best at Home Safe

bertilak wrote:We also had a large, heavy, safe stolen. . . . .
bertilak wrote:We also had a large, heavy, safe stolen. . . . .
I have to admit that I find the duplicate posting to be humorous, given your signature line.

[Apologize for the side-comment, but I presumed that it would be "safe" to make...]
by Random Poster
Thu Aug 10, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 7007

Re: What Percentage CASH are you?

13.8% or so. It is my house, furniture, car, emergency fund, all rolled up. Umm... what's % is for EF? The emergency fund is roughly 11.11% of the total cash amount. House, furniture, car, by definition, are not cash. They are living expenses with up front cash outlays. If you sell your house for c...
by Random Poster
Thu Aug 10, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 7007

Re: What Percentage CASH are you?

13.8% or so. It is my house, furniture, car, emergency fund, all rolled up.
by Random Poster
Tue Aug 08, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 18558

Re: Life at crossroads. What would you do ?

What is your spouse's take home pay? Or, said differently, how much of the $100k yearly expense does their paycheck cover? And how long will the $100k yearly expense keep running? If the expenses should wind down in a few years, and the spouse's income takes care of half of the $100k, you might be a...
by Random Poster
Mon Aug 07, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 2089

Re: Santa Fe New Mexico - recommendations

Palacio Cafe, on East Palace, in downtown Santa Fe. Just a bit diagonal from the Cathedral and across from the Drury Inn. Service can be slow, but the owner and his wife are very friendly and the food is very reasonably priced. If you want New Mexican food, they have (some) of it. The green chile st...
by Random Poster
Sat Aug 05, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: belts for dress pants
Replies: 37
Views: 2653

Re: belts for dress pants

Brooks Brothers. I've worn a brown leather one about 3 times a week for around 7 or 8 years now and it hasn't creased, split, frayed, or buckled yet.
by Random Poster
Sat Aug 05, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 59
Views: 11289

Re: Capital One -- Again!

I haven't had any issues (yet) with their credit card, but I have withdrawn all of my cash from the checking/saving/money market accounts. It became increasingly difficult to add a joint owner to the account, their IT security continually was wanting to send me one-time codes to access my accounts, ...
by Random Poster
Mon Jul 31, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Say Bye Bye To Wells Fargo Advisors?
Replies: 30
Views: 3427

Re: Say Bye Bye To Wells Fargo Advisors?

My current thought process is to liquidate the current holdings at WF, move the cash to Vanguard, and buy their funds - but that brings even more questions. Will there be a tax liability? What fund(s) do I put the $ for each account into? And so on. If you transfer the holdings in-kind to Vanguard ...
by Random Poster
Sat Jul 29, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 9779

Re: How to calcuate your retirement number

Take my annual expenses (averaged over the last 5 years), multiply by 1.25%, round that number up to nearest $5,000 (so $63,750 becomes $65,000), and multiply that number by 40 to get a minimum retirement number. Note, though, that I'm 40 and would like to retire tomorrow, hence the somewhat large m...
by Random Poster
Fri Jul 28, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Awarded stock; sell and diversify?
Replies: 27
Views: 1294

Re: Awarded stock; sell and diversify?

The only time that I don't sell vested stock immediately is if the stock is trading at a price lower than the vesting price and I'm due to receive more stock within 30 days. But once the 30-day period runs, or the price is higher than the vest price, I sell.
by Random Poster
Thu Jul 27, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Help with negotiating neighbor/yard drainage costs
Replies: 24
Views: 1841

Re: Help with negotiating neighbor/yard drainage costs

mc2 wrote:Thanks for your insight.
Are you in Texas?

If so, see this:

https://www.hop-law.com/has-a-neighbor- ... ur-rights/
by Random Poster
Wed Jul 26, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Sonoma/Napa or Banff for anniversary?
Replies: 18
Views: 1856

Re: Sonoma/Napa or Banff for anniversary?

MastersChampion wrote:We even fit in the Calgary Stampede, much to the chagrin of DW.
Ya-Hoo!
by Random Poster
Wed Jul 26, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park - where to stay
Replies: 29
Views: 2941

Re: Glacier National Park - where to stay

If we want to spend a day in Waterton, is it best (from points west) just to use Going To The Sun as the preferred route?? You can hike into Waterton from Glacier as well. The trail on the Canadian side of the border is much better maintained than the trail on the US side is. Once in Waterton, you ...
by Random Poster
Tue Jul 25, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park - where to stay
Replies: 29
Views: 2941

Re: Glacier National Park - where to stay

We always just stay at the Hilton Garden Inn in Kalispell and drive in and out (or around) the park. The hotel itself is decent and is walking distance to a grocery store.
by Random Poster
Sun Jul 23, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 5308

Re: How much electricity are you using and how expensive it is?

Climate matters a lot. So does square footage, and actually area of outside walls (and insulation on walls and roof). Whether they are at 71 and 68 rather than 74 and 71 probably has little impact compared to that. Where do you live? Midland, Texas. The apartment is not well-insulated, and it faces...
by Random Poster
Sat Jul 22, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 5308

Re: How much electricity are you using and how expensive it is?

I can't believe how high some of the electric bills are. I live in an 835 square foot all-electric apartment, and our electric bill has never exceeded $55, all-in. Our kWh usage has never exceeded 811 in any month, whether the average monthly outside temp is 100 or 15. We do keep the a/c at 74 durin...
by Random Poster
Thu Jul 20, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Approaching major milestone, need cool-headed advice
Replies: 34
Views: 5345

Re: Approaching major milestone, need cool-headed advice

Retirees from my employer are eligible to continue on the university's health plans, but are of course responsible for the full premium. Notably, one isn't a retiree until one is withdrawing from one's retirement account, so I would not be eligible for this benefit for another 23 years. 23 years on...
by Random Poster
Sun Jul 16, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Rent or Buy in Las Cruces, NM
Replies: 12
Views: 1382

Re: Rent or Buy in Las Cruces, NM

Las Cruces strikes me as a place where it is much easier to find acceptable housing that is for sale instead of for rent.
by Random Poster
Thu Jul 13, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of Oil/Gas Royalty
Replies: 21
Views: 1183

Re: Sale of Oil/Gas Royalty

Whatever you end up deciding to do, please make sure you do your homework to understand the fair value of your acreage. It might be worth a lot more than you think. In this regard, note that some E&P companies have valued some acreage in certain specific areas of the Permian Basin in the $40,000 to...
by Random Poster
Thu Jul 13, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of Oil/Gas Royalty
Replies: 21
Views: 1183

Re: Sale of Oil/Gas Royalty

When you file your Schedule E, are you taking a depletion allowance? If so, that might affect your cost basis in the underlying interest, but I don't know the intricacies of whether it actually does or how to account for it. Out of 12 wells, it seems that 7 were producing when inherited, and 5 came...
by Random Poster
Thu Jul 13, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of Oil/Gas Royalty
Replies: 21
Views: 1183

Re: Sale of Oil/Gas Royalty

I wonder why the U S Geological Service and many of the oil guys I have talked with think it is "mammoth". I guess that is neither here nor there really. :happy The size of the oil field may be "mammoth," but as the article noted, the oil has been known to be there for a long time. That's why I don...
by Random Poster
Thu Jul 13, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of Oil/Gas Royalty
Replies: 21
Views: 1183

Re: Sale of Oil/Gas Royalty

I wouldn't call that a big discovery, but that's neither here nor there really.
by Random Poster
Thu Jul 13, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of Oil/Gas Royalty
Replies: 21
Views: 1183

Re: Sale of Oil/Gas Royalty

My question is what the Federal income tax implications of such a sale might be for us. We have managed through the taxes on other issues over the years with no problem, but the income from a oil/gas royalty sale is new territory. When you file your Schedule E, are you taking a depletion allowance?...
by Random Poster
Thu Jul 13, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of Oil/Gas Royalty
Replies: 21
Views: 1183

Re: Sale of Oil/Gas Royalty

pintail07 wrote:Our family has an interest in 87 wells in Glasscock County Texas in the Permian Basin. We get offers almost weekly. The big discovery there announced in November . . .
What was the "big discovery"?
by Random Poster
Wed Jul 12, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 16600

Re: Costco with a "gentle" bump for memebership

Do you Costco regulars go out to the rest of the world and do any hard core price comparisons? On things you actually buy? For a family of 2 that is space limited and tries to keep their individual waistlines from expanding, it is hard to make Costco (or Sam's or whatever) "work" for most purchases...