Search found 404 matches

by abracadabra11
Mon Mar 18, 2024 8:12 pm
Forum: Personal Consumer Issues
Topic: Another 'should I get solar' question
Replies: 59
Views: 4049

Re: Another 'should I get solar' question

newbie003 wrote: Mon Mar 18, 2024 4:08 pm Anybody here use Sunrun via Costco (https://www.costco.com/sunrun-residenti ... stems.html)?
No...but have heard plenty of run from Sunrun. Check out r/solar for more details.
by abracadabra11
Sat Mar 16, 2024 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Tricare Retired Reserve: wow it sucks wth?
Replies: 25
Views: 2333

Re: Tricare Retired Reserve: wow it sucks wth?

I'm retired active duty. My medical care isn't the "free for the rest of your life if you retired on active duty" program that was promised back in 1981, so I guess I don't have much sympathy for reservists who didn't put in 20+ active years and whine about the cost. I don't get why your medical care isn't "free for the rest of your life" or your need for a snotty reply for that matter. But thanks for sharing. With gunny2 here - I'm sure it wasn't your intention, but no need to denigrate the service of others. People on this board complain about any and all manner of costs, so it's not surprising that healthcare costs are one of those items. It's fine to simply highlight how the costs here are largely reasonable to help...
by abracadabra11
Sun Mar 10, 2024 3:38 am
Forum: Personal Finance (Not Investing)
Topic: Have any of you Frugal Zebras Changed Your (Spending) Stripes?
Replies: 129
Views: 10683

Re: Have any of you Frugal Zebras Changed Your (Spending) Stripes?

We were extremely frugal through our mid-30s (with the exception of travel) and then we had kids. Our budget has since exploded (from ~$68k/year pre-kids to $125k+/year post-kids) and we can no longer claim to be frugal. Fortunately, we saved heavily early in our careers and were in a great financial position to easily accept the increased costs associated with our lifestyle changes (i.e. house, childcare in the early years, activities and after-school care as they aged) without any notable changes to our financial goals.
by abracadabra11
Sun Mar 03, 2024 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Can we (and should we) buy this house?
Replies: 62
Views: 4272

Re: Can we (and should we) buy this house?

What does your overall budget look like?
Pre-baby/house
Post-baby/house
by abracadabra11
Sat Mar 02, 2024 2:00 pm
Forum: Personal Consumer Issues
Topic: Question about Solar panels
Replies: 92
Views: 6287

Re: Question about Solar panels

I have researched this topic. I am quoting from memory and numbers are ball park. For a average house you need 20,000 KWH and the total cost to install will be $1.50 per KWH - around ball park $30K. Now add battery backup $30K. Total cost is $60K. If you have taxes you can reduce around $20K. Assuming you can deduct taxes.... COST OF SOLAR PANELS INSTALLED = $10k (No battery) COST OF SOLAR PANELS WITH BATTERY INSTALLED = $40k If my numbers are wrong I welcome others to correct it. I don't think there's anywhere in the US where you can find a system for $1.50/W installed. The generic standard for some time has been ~$3.0/W. Panels have certainly become cheaper recently, but increased costs related to labor have largely offset any potential ...
by abracadabra11
Wed Feb 21, 2024 7:13 pm
Forum: Investing - Theory, News & General
Topic: Robinhood 3% IRA Match
Replies: 1459
Views: 110241

Re: Robinhood 3% IRA Match

madbrain wrote: Wed Feb 21, 2024 6:56 pm
abracadabra11 wrote: Wed Feb 21, 2024 6:54 pm First negative experience for me with the switch to Robinhood for my IRA. Attempted to sell an ETF and purchase another ETF with the proceeds of said sale, but Robinhood apparently won't allow it until the trade settles in 2 days.
I believe you would need to enable limited margin to do that. This isn't specific to RobinHood. What was your previous broker ?
Switched from Vanguard, but sold mutual funds and bought into ETFs to take advantage of the bonus. So new to RH and ETFs. I recall reading elsewhere on BH that Fidelity allowed immediate purchasing of an ETF following the sale of another.
by abracadabra11
Wed Feb 21, 2024 6:54 pm
Forum: Investing - Theory, News & General
Topic: Robinhood 3% IRA Match
Replies: 1459
Views: 110241

Re: Robinhood 3% IRA Match

First negative experience for me with the switch to Robinhood for my IRA. Attempted to sell an ETF and purchase another ETF with the proceeds of said sale, but Robinhood apparently won't allow it until the trade settles in 2 days.
by abracadabra11
Wed Jan 31, 2024 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Military Spouse and State Taxes
Replies: 5
Views: 676

Re: Military Spouse and State Taxes

Change your home of record to a state that doesn't have income tax. Your wife can then also claim said state for tax purposes. Your future selves will thank you.
by abracadabra11
Thu Jan 25, 2024 7:55 pm
Forum: Personal Consumer Issues
Topic: Lowest cost mortgage lender to use for VA Loans? (Better doesn't offer VAs)
Replies: 5
Views: 890

Re: Lowest cost mortgage lender to use for VA Loans? (Better doesn't offer VAs)

Penfed was very competitive (if not the lowest cost option) when I purchased my home a few years ago.
by abracadabra11
Fri Jan 19, 2024 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Need your expert/experience advice w.r.t to buying house Now or later?
Replies: 58
Views: 4801

Re: Need your expert/experience advice w.r.t to buying house Now or later?

I don't like the large down payment. It masks how expensive this house really is to you on a monthly basis. A 30-year mortgage with 20% down at today's rate is likely a monthly payment in excess of $8,000 when you factor in property taxes and insurance. That's way too much house IMO.
by abracadabra11
Wed Jan 17, 2024 12:47 pm
Forum: Personal Consumer Issues
Topic: Another 'should I get solar' question
Replies: 59
Views: 4049

Re: Another 'should I get solar' question

$0.13/kWh with $290 bill and 1100kWh monthly usage does not compute. One or more of these figures is incorrect.

5-year payback is a no-brainer, but I highly doubt that's accurate. You need to accurately determine your annual usage and then size a system that offsets that usage (assuming 1-to-1 net metering). From there you can compare total system cost against lifetime savings and incorporate federal tax credit, SRECs, and/or state incentives. I would expect a payback period in the 7-10 year range.
by abracadabra11
Tue Jan 16, 2024 2:32 pm
Forum: Personal Investments
Topic: Need Help :Should I wait for the correct price to invest in FSKAX if I invest monthly
Replies: 12
Views: 1248

Re: Need Help :Should I wait for the correct price to invest in FSKAX if I invest monthly

Recommend you skip FSKAX and invest in Vanguard Total Stock Market Index (VTSAX - mutual fund or VTI - ETF; I'll assume ETF since you're purchasing at Fidelity). FSKAX is a fine fund (in fact it's my largest holding), but it's less tax efficient than VTSAX/VTI. One of my few investing regrets.
by abracadabra11
Sun Jan 07, 2024 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Another new car thread
Replies: 52
Views: 7524

Re: Another new car thread

May be worth figuring out the timing for kids before deciding on a car. If you plan on having kids in the near term, then I would hold off on purchasing a vehicle until then. Your needs/wants from a car may change drastically.
by abracadabra11
Sat Jan 06, 2024 1:33 pm
Forum: Personal Investments
Topic: Medicaid Compliant Annuity
Replies: 15
Views: 1456

Re: Medicaid Compliant Annuity

Medicaid Compliant Annuities allowed us to preserve about 50% of assets for a family member. We pursued this option at the behest of our elder care attorney. Their circumstances were different from yours, but assuming you have a competent elder care attorney, it may be a good option.

I'll PM you the company we used.
by abracadabra11
Fri Jan 05, 2024 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Marriage tax penalty and getting a prenup in early 30s
Replies: 121
Views: 17198

Re: Marriage tax penalty and getting a prenup in early 30s

I wouldn't consider a prenup given the relatively small differences in your assets (especially considering you've been together for 5 years already).
by abracadabra11
Wed Jan 03, 2024 7:50 pm
Forum: Personal Investments
Topic: Boglehead's remorse?
Replies: 102
Views: 19577

Re: Boglehead's remorse?

My only regret is not becoming a BH earlier.
by abracadabra11
Tue Jan 02, 2024 7:12 pm
Forum: Personal Investments
Topic: Mutual Fund vs ETF & Choosing a Brokerage
Replies: 6
Views: 833

Re: Mutual Fund vs ETF & Choosing a Brokerage

Portability isn't much of an issue once you build up your investments. My experience is that all the big brokerages (Schwab, Fidelity, ETrade) will accept transfers-in-kind via ACAT and also provide fee waivers for entire fund families when requested.
by abracadabra11
Tue Jan 02, 2024 8:55 am
Forum: Personal Investments
Topic: Early Retirement Plan - Age 38 w/over $2 million
Replies: 120
Views: 28642

Re: Early Retirement Plan - Age 38 w/over $2 million

I think you're about $11M short according to your August 2015 post.

You received some good advice related to your needed savings and it's great to see you achieve those savings goals several years later.

I think you're still being overly conservative in your withdrawal strategy (even for a 60-year retirement). Bumping up to 3% (or even slightly higher) would still provide you with the secure early retirement you desire.
by abracadabra11
Sat Dec 30, 2023 7:56 pm
Forum: Personal Investments
Topic: Annual Rebalancing
Replies: 30
Views: 3339

Re: Annual Rebalancing

I didn't see anything in your post that specified your desired US/Intl allocation. But I would guess that you're significantly more overweight on US relative to your AA than you are underweight bonds relative to your AA. Accordingly, option 2 would be a more sensible choice. But either option is just fine.
by abracadabra11
Thu Dec 28, 2023 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Which version of Turbo Tax to order
Replies: 22
Views: 2031

Re: Which version of Turbo Tax to order

None - FreeTaxUSA.
by abracadabra11
Wed Dec 27, 2023 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: $2000 a year for $1M umbrella insurance
Replies: 73
Views: 9343

Re: $2000 a year for $1M umbrella insurance

Planner01 wrote: Wed Dec 27, 2023 1:40 pm
mrmass wrote: Wed Dec 27, 2023 1:38 pm The $2K isn't for life. Think of it as a one time expense.

Also if you take the 18yo off your cars, and have the kid get their own car/insurance will that help? Or is is more of a dependent thing?
Unfortunately the premium for him would be astronomical (we are already looking at over $1000 a month for a Civic and a Lexus) and since he is still in high school and under our care, we’d still be liable for him.
Not at that stage of life with our kids yet, but can you just opt to not insure them and take away their license? May not be practical depending on school, activities, work, etc. But may be worthwhile if there's a life lesson to be learned from totaling a car. I would expect the Uber bill to be less than your current insurance.
by abracadabra11
Fri Dec 22, 2023 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: buying a house
Replies: 8
Views: 1510

Re: buying a house

How long do you reasonably expect to remain in a home? I would expect that renting is a better financial decision for someone at 74.

I also don't understand the concern about 'burning through cash so fast' while renting. If this was your plan before the windfall, how are you concerned now after an additional $1M?
by abracadabra11
Thu Dec 21, 2023 9:14 pm
Forum: Personal Consumer Issues
Topic: How much Xmas gift money is appropriate for teachers?
Replies: 104
Views: 13738

Re: How much Xmas gift money is appropriate for teachers?

We gave $50 gift cards to the main teachers and $10 gift cards to all of the supplemental teachers (i.e. art, music, P.E., language). Public elementary.
by abracadabra11
Thu Dec 21, 2023 8:39 pm
Forum: Personal Consumer Issues
Topic: Considering putting in Solar from Sunrun in San Jose CA
Replies: 11
Views: 1276

Re: Considering putting in Solar from Sunrun in San Jose CA

It's impossible to determine whether the pricing is reasonable without specifying the equipment (Panels, inverters, etc.). But what you've listed is very clearly a PPA (power purchase agreement). In general, PPAs are far inferior to purchasing a system outright. Additionally, there are plenty of very bad PPAs (effectively predatory IMO). If you don't think you'll stay in your home very long, then I would seriously reconsider going solar. A few recommendations: 1. Start with the cash price for any proposals you receive 2. $3.0/W is a good starting point for pricing, but there appear to be plenty of vendors in CA with more competitive pricing than that 3. Go get advice at r/solar - I expect you'll get much better input than here 4. Sunrun is ...
by abracadabra11
Wed Dec 20, 2023 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: how much do you think you need to retire?
Replies: 279
Views: 56470

Re: how much do you think you need to retire?

33X to retire at 42. Almost there.
by abracadabra11
Tue Dec 19, 2023 8:19 pm
Forum: Personal Consumer Issues
Topic: Can I afford to splurge on a Tesla?
Replies: 92
Views: 9563

Re: Can I afford to splurge on a Tesla?

dkwhatimdoing wrote: Tue Dec 19, 2023 6:47 pm
abracadabra11 wrote: Tue Dec 19, 2023 6:46 pm Savings/investments are awfully low to consider splurging on a vehicle (Tesla or otherwise).
See this I don’t get. I imagine I have more saved than 90% of folks in my age bracket. I have almost a half million dollar net worth and you’re telling me I essentially can’t afford a mid-level vehicle?
I never said you couldn't afford it. You can easily do the math and see that you do, but I'll also argue that it's not a prudent decision. But rather than asking what you can afford, why don't you state explicitly what your savings goals are? Can you achieve your goals with this purchase? If so, how long does it delay those goals?
by abracadabra11
Tue Dec 19, 2023 6:46 pm
Forum: Personal Consumer Issues
Topic: Can I afford to splurge on a Tesla?
Replies: 92
Views: 9563

Re: Can I afford to splurge on a Tesla?

Savings/investments are awfully low to consider splurging on a vehicle (Tesla or otherwise).
by abracadabra11
Sat Nov 11, 2023 8:47 pm
Forum: Personal Consumer Issues
Topic: Wedding cost ettiquette
Replies: 106
Views: 12962

Re: Wedding cost ettiquette

I find it hard to believe that anyone even considers 'wedding etiquette' to include paying for a son's or daughter's wedding. I think that was a thing 40 years ago? At no point did I ever think my wife's parents or mine would pay for our wedding.

Certainly if you have the means, offsetting some of the costs is very gracious. But I would laugh in my kids' face if they asked me to pay for their wedding.
by abracadabra11
Mon Oct 23, 2023 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Buying home with potential structural issues
Replies: 61
Views: 4830

Re: Buying home with potential structural issues

When we had solar panels installed on our roof, a structural engineer evaluated the proposed installation at part of the process. It may be worth reaching out to the solar company. The home inspector may well be connecting two completely unrelated observations.
by abracadabra11
Sat Oct 07, 2023 5:39 am
Forum: Personal Consumer Issues
Topic: Battery for solar system
Replies: 59
Views: 5273

Re: Battery for solar system

What state are you in?
What's the net metering policy?
What does your monthly production/consumption look like?

Worth reviewing the above questions to determine what value you'll really get from a battery backup.
by abracadabra11
Sun Sep 24, 2023 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Finance solar or pay cash?
Replies: 47
Views: 4115

Re: Finance solar or pay cash?

Start with a cash quote for the system. Costs will vary by area, but anything above $3.00/W is likely not cost competitive. Then look at the 'financed' cost for the same system. It will be clear that you should pay cash.

Solar financing is typically very expensive. Dealer fees (think buying points on a mortgage, but way more expensive) are baked into the rate that you're getting for the financed solar loan. They vary by solar financier, but recently, a 10-year 6.5-7.0% rate has ~13-22% dealer fee.
by abracadabra11
Sun Sep 17, 2023 6:45 am
Forum: Personal Consumer Issues
Topic: London or Glacier National park family trip?
Replies: 18
Views: 1856

Re: London or Glacier National park family trip?

Cruise wrote: Sat Sep 16, 2023 7:21 pm Forget what the kids would most want to do. Do what you and spouse want. Seriously, who is in charge here? The kids can do what they want when they are adults. Sorry, but you asked….
Must not have kids. It has nothing to do with 'who's in charge' and everything to do with enjoyment that one derives by bringing joy to those they love most.
by abracadabra11
Fri Sep 01, 2023 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement income at Medicaid/ACA threshold - what's best?
Replies: 31
Views: 1838

Re: Retirement income at Medicaid/ACA threshold - what's best?

Medicaid has both an income and asset test. Check your state to see what's acceptable. In most cases, you need to have very little of both.
by abracadabra11
Wed Aug 30, 2023 7:52 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7737
Views: 1337699

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

jocdoc wrote: Wed Aug 30, 2023 7:39 pm Did anyone who received more than the standard tier offer at Fidelity have prior active accounts/funds at fidelity. I had contacted them twice this year and discussed offers posted in this thread. They would not offer more than $1500 to transfer $1 million IRA. I have a low balance taxable brokerage account and a low balance inactive cash management account. The last time I tried was when others starting posting larger bonuses several weeks ago. I didn’t accept their offer because I am hoping higher bonuses become available in the next several months. I have never gotten emails regarding transfer bonuses. I am curious why some are getting higher bonuses.
Yes - active account, but no activity or balance for at least 5 years.
by abracadabra11
Wed Aug 30, 2023 7:51 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7737
Views: 1337699

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

nalor511 wrote: Wed Aug 30, 2023 5:35 pm
abracadabra11 wrote: Tue Aug 29, 2023 6:47 am
nalor511 wrote: Mon Aug 28, 2023 8:26 pm
abracadabra11 wrote: Mon Aug 28, 2023 8:18 pm
CatPak wrote: Tue Aug 08, 2023 3:23 pm The Fidelity tiers are:
$500k - $700
$1m - $1500

Just call the main customer service number and ask.
Received an offer from Fidelity for more than twice the 'official tier' at $1M. Not sure I've seen anyone report that previously. What's especially strange is that I wasn't specifically pushing for it because I had understood from prior comments in this thread that Fidelity did not negotiate.
Details
I'll post full details once the bonus is credited.
Was it better than the $3500/$1mil that was posted?
Negative - aligns with the offers outlined in the Fidelity thread. Hadn't seen that until someone else referenced it.
by abracadabra11
Tue Aug 29, 2023 6:47 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7737
Views: 1337699

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

nalor511 wrote: Mon Aug 28, 2023 8:26 pm
abracadabra11 wrote: Mon Aug 28, 2023 8:18 pm
CatPak wrote: Tue Aug 08, 2023 3:23 pm The Fidelity tiers are:
$500k - $700
$1m - $1500

Just call the main customer service number and ask.
Received an offer from Fidelity for more than twice the 'official tier' at $1M. Not sure I've seen anyone report that previously. What's especially strange is that I wasn't specifically pushing for it because I had understood from prior comments in this thread that Fidelity did not negotiate.
Details
I'll post full details once the bonus is credited.
by abracadabra11
Mon Aug 28, 2023 8:18 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7737
Views: 1337699

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

CatPak wrote: Tue Aug 08, 2023 3:23 pm The Fidelity tiers are:
$500k - $700
$1m - $1500

Just call the main customer service number and ask.
Received an offer from Fidelity for more than twice the 'official tier' at $1M. Not sure I've seen anyone report that previously. What's especially strange is that I wasn't specifically pushing for it because I had understood from prior comments in this thread that Fidelity did not negotiate.
by abracadabra11
Sun Aug 27, 2023 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Daycare vs Single working parent
Replies: 28
Views: 2031

Re: Daycare vs Single working parent

BarbBrooklyn wrote: Sun Aug 27, 2023 6:53 am Why don't you quit or reduce YOUR hours?
That's precisely what he's proposed.
by abracadabra11
Fri Aug 25, 2023 3:47 pm
Forum: Personal Consumer Issues
Topic: Rooftop Solar Shingles
Replies: 14
Views: 1677

Re: Rooftop Solar Shingles

prd1982 wrote: Fri Aug 25, 2023 2:07 pm How about GAF Timberline

https://www.gaf.energy/timberline-solar/
Solar shingles are not cost effective at this point. Also, take note of GAF recall:
https://www.cpsc.gov/Recalls/2023/GAF-E ... call-Alert
by abracadabra11
Sun Aug 20, 2023 9:49 am
Forum: Personal Consumer Issues
Topic: Upcoming international travel with an infant, any advice?
Replies: 46
Views: 3568

Re: Upcoming international travel with an infant, any advice?

Traveling with kids that age is easy. It's all the gear that's a bit cumbersome.
by abracadabra11
Sat Aug 19, 2023 9:25 pm
Forum: Personal Consumer Issues
Topic: Would a new roof structure with solar panels be eligible for the solar tax credit?
Replies: 15
Views: 2815

Re: Would a new roof structure with solar panels be eligible for the solar tax credit?

Check IRS FAQ to see if this topic is covered. But you can safely assume the answer is NO. If it wasn’t so, then any new home builder would install solar on top of every newly installed roof to try and capture the 30% credit against the entire installation (including the underlying structural support).

Your patio roof installation is a separate project from rooftop solar installation
by abracadabra11
Sat Aug 12, 2023 8:23 am
Forum: Personal Investments
Topic: Retired Eight Weeks Ago, Just Sold Stocks For Rest of the Year. Bad Idea?
Replies: 209
Views: 81020

Re: Retired Eight Weeks Ago, Just Sold Stocks For Rest of the Year. Bad Idea?

bcc1234 wrote: Fri Aug 11, 2023 2:55 pm I plan to take the Klang Fool route. 3 years or so in expenses in a mm account and swan.

bcc
The opportunity cost of so much cash would not let me SWAN.
by abracadabra11
Fri Aug 11, 2023 7:34 pm
Forum: Personal Investments
Topic: Optimization & can we retire in 2 years.
Replies: 12
Views: 3024

Re: Optimization & can we retire in 2 years.

Recommend reviewing the SWR series and the findings on equity allocation. Higher equity allocations generally provide a much more favorable outcome for long retirements.
by abracadabra11
Fri Aug 11, 2023 7:24 am
Forum: Personal Investments
Topic: Ready for early retirement?
Replies: 34
Views: 4168

Re: Ready for early retirement?

You have *four* dependents. You are the sole breadwinner and your kids are heading into the most expensive years of their lives. If you divorce, could your spouse easily find work? Is what you’re saying your net worth is, actually half theirs? If you retire now can you find work again? Etc. How are you all set with insurance? Illnesses strike in 40s and 50s. What would you do for health insurance if you didn’t work? It’s extremely common to get sick and then divorce or divorce and then get sick. What would you be left with? [Unnecessary comment removed by moderator Kendall.] This is a great route to paralysis. Yikes. This is how we get to the BH standard of 125x expenses to be safe for early retirement. Far to concerned with potential risk...
by abracadabra11
Fri Aug 11, 2023 5:52 am
Forum: Personal Consumer Issues
Topic: Buying a house
Replies: 6
Views: 1143

Re: Buying a house

DesertDiva wrote: Thu Aug 10, 2023 10:41 am We bought a house with solar panels. They were leased, but we had the seller pay off the lease as part of the contract.

Our last electric bill was $12.50
This. Have the seller pay off the lease as part of your offer.
by abracadabra11
Thu Aug 10, 2023 7:17 pm
Forum: Personal Consumer Issues
Topic: [HOA issue - Excessive water usage]
Replies: 32
Views: 3403

Re: Urgent HOA issue

How can a single tenant increase water consumption by 150,000 gallons? Our whole house consumes less than 1,000 gallons/week.
by abracadabra11
Fri Jul 14, 2023 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bogles in 40s and 50s, how should I spend 30s
Replies: 91
Views: 15104

Re: Bogles in 40s and 50s, how should I spend 30s

ClassII wrote: Thu Jul 13, 2023 7:29 pm Being 30 is like being 20 but with money.
This is awesome. Definitely agree with the sentiment - until kids come into the picture.
by abracadabra11
Thu Jul 13, 2023 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab Pinnacle Status
Replies: 120
Views: 19094

Re: Schwab Pinnacle Status

MedSaver wrote: Wed Sep 15, 2021 1:44 pm So I transferred in some funds to Schwab (now totaling >$1.1M) and asked for a fee waiver on a single specific Vanguard fund. The online chat person wrote "With mutual fund fees they can be waived by a broker at the time of the trade. Otherwise they cannot be removed by fund family. " That's pretty annoying if I have to call for every single transaction. And the online rep didn't commit to getting a fee waiver even if I did call.
They're wrong or policy has changed. But I have fee waivers for Vanguard and Fidelity mutual funds. Automatically applied whenever I execute transactions on the account.
by abracadabra11
Sun Jul 09, 2023 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Paying child for use of photo
Replies: 40
Views: 4161

Re: Paying child for use of photo

I've got a great deal for your business. I'll offer you pictures of my kids for half the price you've been quoted.