Search found 252 matches

by Devil's Advocate
Thu Dec 13, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: How Much Is Enough?
Replies: 41
Views: 24614

Re: How Much Is Enough?

Congratulations! Glad it worked out well for you!
DA :beer
by Devil's Advocate
Sun Sep 16, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13452

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Camillus: To me, a methodical and graceful resignation will come across better to other employers than getting fired. Should I end up never working again, then I agree. There is no way to reduce hours. The nature of the work is driven by requests from above.....senior management requests data, lost...
by Devil's Advocate
Sun Sep 16, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13452

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I cannot imagine those hours are very productive. Find a way to cut back or leave.
by Devil's Advocate
Fri Sep 14, 2018 6:01 am
Forum: Investing - Theory, News & General
Topic: Likelihood of Success
Replies: 8
Views: 1180

Re: Likelihood of Success

Aim for the stars and miss, you're still doing pretty darn well.

DA
by Devil's Advocate
Fri Sep 14, 2018 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6793

Re: Job burnout - Keep grinding or change?

Sometimes when I have a tough shift and dread it I have changed the way I perceive things. Work doesn't cause stress. The way I react and percieve input is what causes the stress. Change that and work isn't that stressful anymore.
by Devil's Advocate
Mon Sep 10, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5305

Re: Advice on how to deal with barking dogs

I feel your pain. A barking dog is one of the worst types of neighbor problems IMO. I had an issue with my new neighbors new dog barking all day long when they were away. I sleep during the day in the dog was loud enough that I could hear it. It would also bark when we would go into the front yard w...
by Devil's Advocate
Sat Sep 08, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 19
Views: 1162

Re: Healthcare sharing programs

The other thing to consider is with normal health insurance not excluding pre existing conditions if something bad did happen that was catastrophic and not covered just get on the exchange and apply for normal insurance. If that initial catastrophe drained the HSA and did bankrupt an individual, yo...
by Devil's Advocate
Sat Sep 08, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 19
Views: 1162

Re: Healthcare sharing programs

Phineas J. Whoopee wrote:
Sat Sep 08, 2018 11:40 am
Devil's Advocate wrote:
Sat Sep 08, 2018 11:05 am
...
I understand your viewpoint.
...
It isn't a viewpoint. It's a legal and financial fact.

PJW
Yes
Sorry I misspoke
by Devil's Advocate
Sat Sep 08, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 19
Views: 1162

Re: Healthcare sharing programs

The other thing to consider is with normal health insurance not excluding pre existing conditions if something bad did happen that was catastrophic and not covered just get on the exchange and apply for normal insurance. If that initial catastrophe drained the HSA and did bankrupt an individual, you...
by Devil's Advocate
Sat Sep 08, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 19
Views: 1162

Re: Healthcare sharing programs

It isn't insurance and there is no guarantee they will pay. If a higher than normal number of people in the pool get sick in a year with serious stuff and they run out of money, you will be on the hook. There is a reason it is less money. Ok...I've got 40k in our HSA. Save 10k/yr on premiums. Is it...
by Devil's Advocate
Sat Sep 08, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 19
Views: 1162

Re: Healthcare sharing programs

Any reimbursement relies on other plan members voluntarily paying it. If one were in a very close relationship where everybody could trust everybody, such an arrangement might reliably work, as long as there was enough money among all the participants. I leave it as an exercise for the reader to de...
by Devil's Advocate
Sat Sep 08, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 19
Views: 1162

Re: Healthcare sharing programs

I'm confident that this community can a great discussion on this topic. The most important thing to consider with these plans is that they are not "insurance" in the traditional sense. There is no risk transfer. The patient is responsible for 100% of the medical costs incurred. They may seek reimbu...
by Devil's Advocate
Sat Sep 08, 2018 4:38 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 19
Views: 1162

Healthcare sharing programs

Anyone use health care sharing programs such as Medi-share? A Christian ministry program. https://mychristiancare.org/medi-share/what-is-medishare/how-medi-share-works/medi-share-guidelines/#VI.I.MedicalConditionsandServicesSubjecttoLimitedSharing Looks interesting. My Wife carries the health insura...
by Devil's Advocate
Mon Jul 09, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 6428

Re: Going solar?

I have been contemplating going solar as well on a new construction. The property we are going to build on is remote and it will cost $30,000 to have electricity access from local electric company. So basically I see that I can go off grid for around $30,000 after tax incentives and after that hopef...
by Devil's Advocate
Sat Jun 30, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 39
Views: 5361

Re: Vacation- home precautions?

1. turn off water main 2. turn off hot water heater 3. turn off AC in summer ; lower heater temperature in winter 4. have at least one light on a timer 5. stop mail from post office 6. cut grass the day before you leave ; in the Fall, pick up leaves the day before you leave 7. tell your most truste...
by Devil's Advocate
Fri Jun 29, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9437

Re: What are you learning or studying?

Learning about off grid living, radiant heating systems, and energy efficiency home designs. YouTube, internet, medium of choice.

DA
by Devil's Advocate
Wed May 30, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5640

Re: Fitting three young kids in the car...

how about a SUV with captains chairs in middle row to allow easy access to third row seats? What's decent in that category? I have three little ones very similar to you. Test drove a Buick Enclave and while I did not buy it it was very nice and I would probably have bought that as a second choice. ...
by Devil's Advocate
Sat May 26, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3830

Re: Life Changes

Purchase agreement signed for 300k. 25k off asking price which was recently reduced from 350k. Told realtor I made the offer low to compensate for electricity access. First offer at 25k and they countered at 300k. Called courthouse prior and property may be built on with single family home. Property...
by Devil's Advocate
Sat May 26, 2018 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3830

Re: Life Changes

Not financially related, but my perspective someone who spent their childhood in a very rural setting, it felt as though I missed out on a lot of typical childhood experiences that my peers were having, which affected how I felt I fit in socially. Things that seem minor now as an adult, but felt al...
by Devil's Advocate
Sat May 26, 2018 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3830

Re: Life Changes

That's a really long driveway and it sounds like you're in snow country. Are you prepared for dealing with that? As others have said, it sounds like a great lifestyle choice -- if you're the sort of person/family that wants that lifestyle! For others (like me) it sounds like hell on earth (or maybe...
by Devil's Advocate
Thu May 24, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3830

Re: Life Changes

Exciting plans! Quite out of the ordinary. Thinking of my wife, I would keep the current house or set up a trailer or something temporary on the lot to begin with. Stoneage tech is very timeconsuming. We had talked about an RV. As avid RV'ERS (rent them for 7-10 days in Alaska) she would be comfort...
by Devil's Advocate
Thu May 24, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3830

Re: Life Changes

Yukon, Thanks for the thoughtful reply. I did research solar and I don't think I can have an off the did system less than the 30k. In the Midwest we would need a boatload of panels. I know of a guy who did go off grid last year. He has a 15kw system. He can't leave in the winter b/c he has to sweep ...
by Devil's Advocate
Thu May 24, 2018 3:14 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3830

Re: Life Changes

Yeah I think that's probably a good idea veindoc. I emailed the listing agent asking to write written offer for 10% off asking price. The electric company charges 12/foot for overhead lines. The proposed building site is 2600 ft off grid. First 250 ft free. 29k,! I'm offering 30 k off listed price. ...
by Devil's Advocate
Sun May 20, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3830

Re: Life Changes

Why not stay put while you build the new house, then move once it’s habitable? I guess that's an option. Only thing is timing of selling our house. I would rather not put it on the market in the winter. Since kid is in school plan is to finish her kindergarten year here. If I put house on market th...
by Devil's Advocate
Sun May 20, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3830

Re: Life Changes

Be sure to find out if you can get the permits for a septic system or a sewer hookup and find out how much that will cost. Also check on the quality of the schools in that area. To me there are way too many moving parts and it would be a lot simpler if you just bought the property and built at the ...
by Devil's Advocate
Sun May 20, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3830

Re: Life Changes

We have talked about doing something like this. Just caution this will either be the best thing ever for the family or very destructive. Wife needs to be 100% on board and excited about it. She is going to be stuck in a small cabin with 2 toddlers for a while and a drive to take them anywhere. Thin...
by Devil's Advocate
Sun May 20, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3830

Re: Life Changes

Thanks for the replies! I will verify the ability to build on the land. I have a few calls to make including the farm service agency. I will have to buy out one acre of CRP from the government. I believe it cost the amount of money the previous land owner has received from that one acre. So if the c...
by Devil's Advocate
Sun May 20, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3830

Life Changes

Bogleheads, Wanted to run my situation by the group. I am looking to buy a timbered property one hour away from my current home/work. My plan is to morph out of my current role at work (healthcare) and start picking up work in a few other hospitals closer to my proposed land. I have already been hir...
by Devil's Advocate
Sat Apr 14, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Used Ford Explorer: Limited vs. Sport trim
Replies: 4
Views: 599

Used Ford Explorer: Limited vs. Sport trim

Bogleheads, I'm in the market for a new to me used car. Am looking at 2016/17 Ford Explorers. Want all wheel drive/4 wheel drive. Wife set on leather seats. Am not sure if getting sport package is worth it. Looks like it adds an additional three or four thousand dollars compared to Limited edition. ...
by Devil's Advocate
Tue Mar 20, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Best 401k for small companies?
Replies: 12
Views: 1456

Re: Best 401k for small companies?

Does Employee Fiduciary act as both custodian and trustee?

DA
by Devil's Advocate
Tue Mar 20, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: guideline.com for small business 401K?
Replies: 33
Views: 5396

Re: guideline.com for small business 401K?

Does guideline.com act as both custodian and trustee?

DA
by Devil's Advocate
Tue Mar 13, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 10661

Re: Dave Ramsey on Bonds

DanMahowny wrote:
Tue Mar 13, 2018 11:46 am
There was a time when Dave's advice made sense to me. Back then, I was paid by the hour, had mullet haircut, and drank Mountain Dew all day long.

Glad that version of myself is long gone.
That's hilarious Dan
Love it!

DA
:P
:sharebeer
by Devil's Advocate
Thu Feb 08, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Best way to sell gold krugerrands?
Replies: 12
Views: 2699

Re: Best way to sell gold krugerrands?

I inherited six a year or two ago. I looked locally but they were all a pain in the rear end. Wanted to x-ray them and all that. Also were not competitive with the spot price. I looked online and sold it to the dealer in Arizona I believe. Very easily sold and paid appropriately. My brother sold som...
by Devil's Advocate
Sun Feb 04, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1452

Re: Is VPN needed on a home desktop PC?

I have been looking at dedicated VPN router/modem instead of software based vpn. Any opinions on this?

DA
by Devil's Advocate
Sat Jan 13, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 13202

Re: IRS announces new withholding tables for 2018

An option for some to cut through the unknowns is to calculate their tax burden under the new law, set exemptions ridiculously high to make withholding 0 and enter in the additional amount to withhold per pay period on the next line based upon total due / pay periods in the year after accounting fo...
by Devil's Advocate
Mon Jan 01, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Does donation count for 2017 if donated fund shares do not settle until 2018?
Replies: 35
Views: 1945

Re: Does donation count for 2017 if donated fund shares do not settle until 2018?

In a little different situation I sent my favorite charity a donation to be charged to my credit card. Sent the form on the 23rd. It has not been processed by my credit card company yet. If it is not processed in 2017 can I deduct for my 2017 taxes? I am thinking I may chance it either way since ch...
by Devil's Advocate
Sun Dec 31, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Does donation count for 2017 if donated fund shares do not settle until 2018?
Replies: 35
Views: 1945

Re: Does donation count for 2017 if donated fund shares do not settle until 2018?

In a little different situation I sent my favorite charity a donation to be charged to my credit card. Sent the form on the 23rd. It has not been processed by my credit card company yet. If it is not processed in 2017 can I deduct for my 2017 taxes? I am thinking I may chance it either way since cha...
by Devil's Advocate
Sun Dec 31, 2017 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Two-comma club just in time for the New Year, and thank you
Replies: 47
Views: 5420

Re: Two-comma club just in time for the New Year, and thank you

Congratulations! Very impressive. Keep up the good work.

DA
by Devil's Advocate
Tue Dec 26, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3518

Re: Should we downsize?

I would keep your home. I'm mortgage free so I understand your preference to be debt free. That being said your income is good and you obviously love the house. You are plenty young enough to sock away enough retirement cash.

IMO keep the house you love.

DA
by Devil's Advocate
Mon Dec 25, 2017 3:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 10218

Re: My Christmas Present to You

Thank you for your service Taylor. Love your insights and wisdom.

DA
by Devil's Advocate
Sun Dec 24, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 6773

Re: Not investing through your 30's

Delaying gratification has paid off well for me.

DA
by Devil's Advocate
Fri Dec 22, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 25506

Re: Do you see a meaningful change in your income with new Tax Bill?

I believe I will save approximately ~20% on my federal taxes. Which isn't life changing. But that additional money will allow me to pick up less shifts and this increases my standard of living.

DA
by Devil's Advocate
Tue Dec 19, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 8208

Re: Can I afford it: Dodge Challenger

My view is if you don't pay cash then you can't afford it. You seem to think that I am advocating you to not put in as much to your retirement funds. I disagree. You should be paying as much into your retirement AND saving for a cash only car. I would advocate this if you were buying a vanilla used ...
by Devil's Advocate
Thu Dec 14, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 64
Views: 10200

Re: Ameriprise :(

I'm sorry to hear about your situation. I am not sure how you can get out of the complex products.

Are these in 401ks/traditional IRAs? Roths? Taxable?

DA
by Devil's Advocate
Wed Dec 13, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3738

Re: Access to landlocked timber blocked by landowner

"The North access could be granted if you had hardcopy documents from the landowner saying he granted permission for you to do so. . .with no time limitation. . .or right of recind" That's exactly what is in the purchase agreement signed by landowner. Thanks Sandtrap. DA I'm not sure what force suc...
by Devil's Advocate
Wed Dec 13, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3738

Re: Access to landlocked timber blocked by landowner

I spoke to the landowner and he stated that the person leasing the hunting ground did not want my vehicle on the north side of the timber because it affected the way the deer traveled. In situations like this, where there is no compromise (old father and pregnant wife), all you can do it fight fire...
by Devil's Advocate
Tue Dec 12, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3738

Re: Access to landlocked timber blocked by landowner

"The North access could be granted if you had hardcopy documents from the landowner saying he granted permission for you to do so. . .with no time limitation. . .or right of recind"

That's exactly what is in the purchase agreement signed by landowner.

Thanks Sandtrap.

DA