Search found 1651 matches

by Random Poster
Tue Aug 21, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: No advance notice to employer
Replies: 42
Views: 3551

Re: No advance notice to employer

Some employers health care expires at midnight on the final day of employment. This of course would happen with or without advance notice, however it is something to check into just in case. I know this is true, but I think it is not common among larger employers. My last employer's policy is that ...
by Random Poster
Tue Aug 21, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do Universities "Bait and Switch" Financial Aid?
Replies: 9
Views: 622

Re: Do Universities "Bait and Switch" Financial Aid?

At some schools, a scholarship is given each year if the student keeps a certain GPA. What is not told, however, is that the grade curve is set in such a way that most people who receive a scholarship the first year are guaranteed to lose it (and likely never receive it again) in the second and foll...
by Random Poster
Mon Aug 20, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else seen huge rise in TX insurance costs?
Replies: 24
Views: 1543

Re: Anyone else seen huge rise in TX insurance costs?

Happens after every major hurricane. Harvey was probably the most expensive and destructive in Houston since Allison. This gets passed on to everyone IME, not just the people with Houston properties, but the entire state. Hmmm...I thought that most of the expense of Harvey was due to the flooding a...
by Random Poster
Sun Aug 19, 2018 7:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 482
Views: 48351

Re: Post your Financial Milestone Announcements Here

Hit $3.25M last night, not including cash holdings. Was hoping to get to that number by February of next year, but the stock market's rise moved things along more quickly. Keeping the portfolio at a 50/50 allocation because I'm concerned about the inevitable downturn and, well, quite frankly, I'm n...
by Random Poster
Sat Aug 18, 2018 8:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 482
Views: 48351

Re: Post your Financial Milestone Announcements Here

Hit $3.25M last night, not including cash holdings. Was hoping to get to that number by February of next year, but the stock market's rise moved things along more quickly. Keeping the portfolio at a 50/50 allocation because I'm concerned about the inevitable downturn and, well, quite frankly, I'm n...
by Random Poster
Wed Aug 08, 2018 8:21 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 482
Views: 48351

Re: Post your Financial Milestone Announcements Here

Hit $3.25M last night, not including cash holdings. Was hoping to get to that number by February of next year, but the stock market's rise moved things along more quickly. Keeping the portfolio at a 50/50 allocation because I'm concerned about the inevitable downturn and, well, quite frankly, I'm no...
by Random Poster
Fri Aug 03, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4225

Re: Gated communities pros and cons? (Atlanta or anywhere.)

3. Is it worthwhile in the Atlanta northern suburbs (Alpharetta, Dunwoody, Sandy Springs, Johns Creek and environs?) Based upon my experience with Alpharetta and the other areas listed, I suspect that the recreational drugs are of better quality inside gated communities. Whether that is a pro or co...
by Random Poster
Thu Aug 02, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: SWR 2.5% --how much equity required?
Replies: 9
Views: 1269

Re: SWR 2.5% --how much equity required?

There is a great tool to investigate your question on this web site. It is the "Simba Backtesting" excel spreadsheet discussed at: https://www.bogleheads.org/forum/viewtopic.php?p=2753812#p2753812 and with the downloadable tool (spreadsheet) at: https://goo.gl/cS3SZG On the "Compare Portfolios" tab...
by Random Poster
Wed Aug 01, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 5816

Re: Financial upside / downside of marriage vs cohabiting

I've been engaged for 4 years and we are having a child at the end of this year. I earn significantly more then my spouse . . . Does your spouse know about your engagement to another? Or are you claiming that you are engaged, but not yet married, to your "spouse"? I don't think that common law marr...
by Random Poster
Wed Aug 01, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 6773

Re: DW job in dangerous area

My wife just graduated school. I make about 200k. We have no debt and we are both 26 y.o., so we just started saving. She has been working very hard to get a job and finally landed one! She will make about 40k pretax. i.e. her salary will not push the needle lifestyle or savings-wise. Unfortunately...
by Random Poster
Wed Aug 01, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Effect of Current Income on Decision to Retire Early
Replies: 76
Views: 6095

Re: Effect of Current Income on Decision to Retire Early

Frankly I am amazed at the number of folks posting on this forum that somehow have been savvy enough to amass a huge portfolio - like this one - $4,000,000 in invest-able assets - but somehow simultaneously these same people can't seem to be able to work out if they have adequate funds to retire. M...
by Random Poster
Tue Jul 31, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 41
Views: 2858

Re: Best BBQ in San Antonio

I'm going to slightly amend my earlier answer. Lum's is by far better than anything that Rudy's offers, and is much better than anything you'll find in San Antonio when it comes to barbecue, but if you really want to eat BBQ in San Antonio, you could always go to a HEB grocery store that has a True ...
by Random Poster
Tue Jul 31, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Realities of Early Retirement Model (FIRE)?
Replies: 96
Views: 9506

Re: Realities of Early Retirement Model (FIRE)?

Suppose you are doing FIRE on a relatively modest $1.5M portfolio and counting on ACA plans. What do you do if the plan starts costing $40k a year and subsidies are revoked? What do you do if your carrier drops you due to a pre-existing condition or lifetime cap because restrictions on those things...
by Random Poster
Tue Jul 31, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 41
Views: 2858

Re: Best BBQ in San Antonio

When you get to San Antonio, keep driving west until you get to Junction. Exit I-10 at Main Street, go towards town (heading south, as I recall), cross over the river, and eat at Lum's.

Their smoked turkey is excellent.
by Random Poster
Thu Jul 26, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Preliminary Version of Revised Form 1040 Released by IRS
Replies: 10
Views: 1084

Re: Preliminary Version of Revised Form 1040 Released by IRS

What is the point of having two half sheets for the 1040? Why not just put both half sheets on one page? I mean, if I have to print out and use 2 full sheets of paper to print out a form that only takes up half of each page, what savings is really being accomplished?
by Random Poster
Thu Jul 26, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Historical returns for Total Bond Market, Inflation and S&P 500 Index
Replies: 12
Views: 2074

Re: Historical returns for Total Bond Market, Inflation and S&P 500 Index

If you use portfoliovisualizer: For annual TTM yield -- set show income yes, set reinvest income no. Income graph will show dollar income each year, but you have to determine dollars of investment each year. Also, there is a monthly returns chart(instead of the graph of returns) that may show month...
by Random Poster
Wed Jul 25, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Historical returns for Total Bond Market, Inflation and S&P 500 Index
Replies: 12
Views: 2074

Re: Historical returns for Total Bond Market, Inflation and S&P 500 Index

Where would one find the historical yearly or monthly yield for the Total Bond Market Index Fund?

Vanguard offers the historical monthly yield data for about the last 18 months, but is there a source that shows the monthly yield since the Fund's inception?
by Random Poster
Wed Jul 25, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Road trip - Dallas to Kalispell MT - which vehicle and must sees
Replies: 30
Views: 2191

Re: Road trip - Dallas to Kalispell MT - which vehicle and must sees

I live in BIg Sky! No need to rub it in... :wink: My only comment to the OP regarding the suggestions to see the Museum of the Rockies is that I hope they set aside plenty of time to fully visit the place. An hour or two won't suffice--it is more of a 4 to 5 hour excursion. Also, if you are in Boze...
by Random Poster
Tue Jul 24, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Road trip - Dallas to Kalispell MT - which vehicle and must sees
Replies: 30
Views: 2191

Re: Road trip - Dallas to Kalispell MT - which vehicle and must sees

One suggested route from Kalispell to Missouri: * Kalispell * Great Falls (see the C.M. Russell Museum). Or skip this slight detour and just head on to: * Helena (go on a Capitol tour to see the Lewis and Clark painting) * Three Forks (go to the State Park to see the Headwaters of the Missouri River...
by Random Poster
Mon Jul 23, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Company Mishandled My RSUs
Replies: 5
Views: 1045

Re: Company Mishandled My RSUs

Double check your RSU grant paperwork. It may say that any vested RSUs are not required to be delivered for a period of X days--perhaps 30, maybe 60, or who knows, 365--in which case you might not even have an argument. I do agree, though, that delayed vesting/delivery of vested shares---when the pr...
by Random Poster
Fri Jul 20, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: $3 Million in Cash at 31; Looking to Invest $2M of it
Replies: 16
Views: 3945

Re: $3 Million in Cash at 31; Looking to Invest $2M of it

So that will leave me with around $2 million to invest. I am leaning towards the simple three-fund portfolio. My main goal is to beat inflation and not risk all of my money. For that reason, I am thinking a ratio of stocks to bonds of 55%/45% or 50%/50%. Vanguard Total Stock Market Index Fund Admir...
by Random Poster
Mon Jul 16, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Investing in oil?
Replies: 13
Views: 971

Re: Investing in oil?

Consider buying a working interest in an oil or gas well. Or an overriding royalty interest. Or just buy minerals outright. You can get much closer to the wellhead that way and there may be some tax benefits....
by Random Poster
Thu Jul 12, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation for High Net Worth (>$3M) Individuals
Replies: 26
Views: 4759

Re: Asset Allocation for High Net Worth (>$3M) Individuals

One of life's greatest ironies, IMHO, is that people want to have money in order to spend it. But in order to have money, one cannot spend it. Maybe, but you don't need to have money (or event want to have money) in order to spend it. A high-limit credit card will do just fine... Most people don't ...
by Random Poster
Thu Jul 12, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 37
Views: 3476

Re: New construction: financing fell through, builder won't return deposit/earnest $

There may be a conflict between the "seller may" language in financing paragraph and the last line in the commitment deposit paragraph, but--based on a very quick reading---the conflict does not appear to be in the buyer's favor. In that respect, I'm particularly interested in reading how the buyer ...
by Random Poster
Wed Jul 11, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5713

Re: Anyone take naps at work?

In an environment where work intrudes on activities that one conducts at home, it should be perfectly acceptable for such activities to intrude on those that are conducted at work.
by Random Poster
Tue Jul 10, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2947

Re: Rodents ate my car, and my insurance is ripping me off!

Again, why is the name of the company important to you? If I said "state farm" (for example), would your answer be different than the answer if I said "Allstate" or "Progressive"? Personally, I'd like to know the name of the company so that I'd be able to avoid using them in the future. Considering...
by Random Poster
Mon Jul 09, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4643

Re: Why 3-funds and not 4-funds or even 2-funds?

If your portfolio is sizeable, I suppose that you may need 4 funds to maintain your preferred asset allocation, with one of the funds being a tax-exempt bond fund held in your taxable account.
by Random Poster
Sun Jul 08, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Used Honda - How to confirm it was serviced on time?
Replies: 18
Views: 1258

Re: Used Honda - How to confirm it was serviced on time?

Is there anything in the service history besides oil changes and the 3-year brake fluid change that I should expect to see on a CRV in the 2010 - 2013 range? The rear differential fluid is supposed to changed every 30k miles (I think), but that only applies if the car is AWD. Spark plugs get change...
by Random Poster
Fri Jul 06, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: The Worst U.S. Portfolio Disasters — A Historical Comparison
Replies: 66
Views: 5788

Re: The Worst U.S. Portfolio Disasters — A Historical Comparison

Looks to me like a 50/50 split would have many advantages---perhaps it is the best way to ensure that one gets an average of the average returns?
by Random Poster
Fri Jul 06, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5293

Re: Every Other Friday Off

Pretty much everybody in my area at work (there's like 10 of us) does something like that schedule. A couple of us like me basically do that but take a half-day every Friday instead of every other Friday off. Sometimes I wonder about transitioning back to a 5x8 workweek instead because I think it w...
by Random Poster
Mon Jul 02, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 6791

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

You got that right! And the strange thing is that it seems the more expensive the hotel is to start with, the more fees they have. Just booked a room in Banff at the Fremont for $450/night because it was the only thing available. But then there was a resort fee, parking fee, and even a fee to use t...
by Random Poster
Fri Jun 29, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16916

Re: IRS publishes draft 2018 1040 - Huge changes made

WSJ article on the new form: [*]Similarly AMT forecast to go from 5M to 200k households [/list] I suspect that the answer is "yes," but if you have AMT Foreign Tax Carryovers and, because of the new tax law, you are no longer subject to the AMT, do you lose the carryovers and no longer need to trac...
by Random Poster
Tue Jun 26, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16916

Re: IRS publishes draft 2018 1040 - Huge changes made

A cynic might reasonably believe that, by moving some of the adjustments to income to obscure worksheets, the government is hoping that the taxpayer will find the whole thing overly complicated (or not find the relevant adjustment at all) and give up, thereby paying more tax than they otherwise woul...
by Random Poster
Tue Jun 26, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33918

Re: What is/ was your career and would you recommend it now?

Oil and gas transactional attorney. Would recommend, but with reservations. I have been extremely lucky in my career, which no doubt influences my views, and I am undoubtedly an outlier when it comes to experiences and results. Graduated from a non-top 50 law school (but from the top law school in t...
by Random Poster
Fri Jun 22, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Complain or Negative Review for Rip-off Plumber?
Replies: 29
Views: 3031

Re: Complain or Negative Review for Rip-off Plumber?

jminv wrote:
Fri Jun 22, 2018 5:03 pm
They’ll likely contact you offering a full refund to take it down, which you should accept.
Why?

So that others can experience the same bad service?

Or because it is important to evidence that you can be bought off?
by Random Poster
Thu Jun 21, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Going unemployed but has a TRS- Teacher retirement system of Texas
Replies: 5
Views: 592

Re: Going unemployed but has a TRS- Teacher retirement system of Texas

3. You contributions do earn interest. I think it is 5%. So there is no big rush to pull them out. They are doing OK. I don't know if there is any deadline that requires you to take the money out if you don't return to teaching. You will have to look this up. You CANNOT keep contributing to your ac...
by Random Poster
Tue Jun 19, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8801

Re: Which Supermarket are you?

We don't have a lot of choices where we live. No whole foods, or Costco. We mostly buy at HEB. Occasionally at Market Street which is owned by Albertsons. If there wasn't an HEB in this town, I think that I'd probably starve to death. Market Street came to town a few years ago---they don't seem to ...
by Random Poster
Wed Jun 13, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 57
Views: 10546

Re: Vaguard - You'll need to sign up for security codes soon

So how does the sending a security code work if you are logging on to Vanguard's website using a new computer in a new location and you no longer have your old phone number?

How do you update the phone number contact information then?
by Random Poster
Mon Jun 04, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Employer-subsidized retiree health insurance questions
Replies: 19
Views: 1254

Re: Employer-subsidized retiree health insurance questions

My employer offers this, where the subsidy amount is based on a matrix that combines your age and your years with the company. I have no idea how to value the benefit, but I notice in the company literature that it never says that the subsidy benefit is guaranteed never to change or even remain in e...
by Random Poster
Thu May 31, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4277

Re: steel cut oats in bulk

niceguy7376 wrote:
Thu May 31, 2018 2:02 pm
Are there other brands that are recommended for steel cut oats in bulk?
I was unable to find this at costco site
Consider Wheat Montana Steel Cut Oats, if they are sold in your area.

They are the best ones that I've had.
by Random Poster
Thu May 31, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 51340

Re: What's the ideal safe retirement net worth target?

A target of 2.5m in taxable and trying to get the ACA subsidies? If the goal is to have income less than $62,500 why not have a smaller portfolio and withdraw 3.0-3.5 (lower than 4.0 because you're younger). Sell shares and have the capital returned to you at no cost and pay the capital gains tax o...
by Random Poster
Thu May 31, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 51340

Re: What's the ideal safe retirement net worth target?

I've been thinking about this question for a few days now, and it seems to me that the number would depend upon one's family size, relative ages, and whether health insurance is provided or is something that the individual(s) must purchase on their own. So, for example, for a family of two who are n...
by Random Poster
Wed May 30, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 100
Views: 14125

Re: Have $3m at 33, "approach to career" advice needed

I would rather not try to use assets to cover my lifestyle. Aren't you going to have to do so at some point in your life? As in, while in "retirement" (however you define such a term)? If so, if your current assets can cover your anticipated lifestyle now and in the future, why not let them do so?
by Random Poster
Wed May 30, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Muni mm keeps dropping in yield, thinking of switching
Replies: 5
Views: 1633

Re: Muni mm keeps dropping in yield, thinking of switching

Muni mm yield at vanguard down to 1.15% :( Now there’s almost no advantage for me when compared to prime mm at my bracket of 32%. You sure about that? As I recall, tax-exempt interest is not subject to the Net Investment Income Tax, and if you have a lot of interest (or dividend, or royalty) income...
by Random Poster
Wed May 30, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is FBAR filing complicated?
Replies: 23
Views: 1762

Re: Is FBAR filing complicated?

For whatever it is worth, I found that completing my first FBAR (back when they were paper forms and, I think, you had to mail them in) was a little complicated, simply because I had to track down all the various bank addresses, do the currency conversions, figure out the highest balance for the yea...
by Random Poster
Fri May 25, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Rum and Summer Cocktails
Replies: 30
Views: 2131

Re: Rum and Summer Cocktails

Google: Celestial Seasonings Bengal Spice Rum Punch It should pull up a Wall Street Journal story for a "Spicy and citrusy, potent and nuanced, a Caribbean-style rum punch" that uses Bengal Spice tea, pineapple juice, rum, and a few other items. I've never had it, but it sounds tasty and simple to m...
by Random Poster
Wed May 23, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13120

Re: how do you tip on wine at a restaurant

I left $50 as a tip for a recent meal (at a nice restaurant) for five people, which was 15 percent. Call me cheap, call me out of touch, call me whatever, but I am not feeling guilty about a $10 per person gratuity. Frankly, I don't think I got my money's worth at that amount, but I'll admit that s...
by Random Poster
Tue May 22, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13120

Re: how do you tip on wine at a restaurant

Personally, I am a repeat customer of a few restaurants, so they know me and I get relatively good service, thus the tips is on the high end of the range (and over it a number of times.) Are you getting relatively good service because you are a repeat customer and the servers know you (and, thus, t...
by Random Poster
Mon May 21, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Another road trip Denver to Cheyenne
Replies: 11
Views: 1066

Re: Another road trip Denver to Cheyenne

Too bad my grandson will not be with us.Do the trains run frequently?I might go and take a video for the little guy :happy The trains probably run frequently, as it is a big Union Pacific train yard (that might not be the specific or correct term for it) and as I recall the pedestrian bridge crosse...
by Random Poster
Mon May 21, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Another road trip Denver to Cheyenne
Replies: 11
Views: 1066

Re: Another road trip Denver to Cheyenne

Laramie is a real small town that you can fly past if you aren't careful. The University of Wyoming is located here and not much else. The Wyoming Territorial Prison makes for an educational stop. And if one is really into trains, they can stand on the pedestrian railroad overpass just west of down...