Search found 94 matches

by Super Hans
Mon Oct 15, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: NAVY 2 year CD
Replies: 3
Views: 550

Re: NAVY 2 year CD

I saw brokered CDs from JPMC at 3% on a 2-year this morning (sold in $1k increments), so this Navy Federal offer isn't especially hot.
by Super Hans
Sat Oct 06, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 8926

Re: 20 countries where 200K in retirement savings will last you decades

There are VAST factor differences among those countries: This click bait reeled me in, but I found it to be an useless and arbitrary list. I don't know how they came up with the cost of living numbers. I suppose in the poorer countries on the list, they might be looking at special expat-type accomm...
by Super Hans
Fri Sep 21, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8724

Re: Physical Banking - Any benefits anymore?

I'm amazed there are so many B&M banks around our neighborhood; and they keep growing. A new bank branch in Harvard Sq. in just the last couple of months. I don't know how they can be justified as there's never anyone in them. I'm sure most of the students at the couple of small, no-name colleges w...
by Super Hans
Tue Sep 18, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25155

Re: What is your single most expensive mistake?

Being too timid to implement my investment plan and largely sitting out the decade-long bull market.
by Super Hans
Mon Sep 17, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Overnight near Atlanta?
Replies: 30
Views: 1630

Re: Overnight near Atlanta?

It may not work out with the 6 pm to 5 am plan, but we enjoyed stopping by this National Park Service site in Macon last year:

https://www.nps.gov/ocmu/index.htm
by Super Hans
Tue Jun 19, 2018 1:08 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9392

Re: Which Supermarket are you?

I scan for deals at Giant and Harris-Teeter and Safeway somewhat regularly, but nearly all the food I eat comes from Whole Foods. I’m super cheap and this thread makes me feel like I’m in the $5k watch camp. But what do you buy that’s more expensive at WFM than at other stores? Comparing apples to a...
by Super Hans
Tue Jun 05, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 5383

Re: 6 hour layover on Heathrow

With four hours last year, I went through immigration to take a shower and change clothes in the LHR Sofitel. I was connecting on to Europe from the US, and it was great to arrive freshened-up in my destination. On the return, I had ~20 hours and enjoyed a bit of sightseeing in London with the famil...
by Super Hans
Thu Apr 12, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a top law school!
Replies: 65
Views: 6547

Re: Help me choose a top law school!

+1. This is basically my analysis, too. You probably know this, but you are in a great position to succeed in life no matter what you pick. FWIW, Top 3 schools - YHS are in a league of its own. The following 3 schools - Columbia, Chicago, and NYU, are in another league. The difference is visible, as...
by Super Hans
Tue Feb 13, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - Platinum Honors
Replies: 31
Views: 5021

Re: Merrill Edge - Platinum Honors

Delta Neutral is describing the Bank of America card with a $95 fee, the Premium Rewards Visa. It comes with, among other things, a $100 airline incidental credit each year, so I don't mind paying for this one. If you're opposed to paying an annual fee regardless, though, you can get the same rebate...
by Super Hans
Mon Dec 04, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to keep my Life Insurance (FEGLI)?
Replies: 17
Views: 1918

Re: Any reason to keep my Life Insurance (FEGLI)?

At the water cooler, I try to spread the word that FEGLI is a bad deal--unless your health isn't great. For about the same price as the basic FEGLI premium, I bought a $1 million/20-year policy.
by Super Hans
Wed Nov 29, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 10297

Re: Does it make sense to drop health insurance?

It seems like moving outside the United States would be a viable alternative for those too squeezed by health insurance premiums. This is a problem peculiar to the US, and I suspect a nice private policy in another country must be considerably cheaper.
by Super Hans
Sat Nov 25, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Advice for New Grad (HCOL, comp better than expected)
Replies: 9
Views: 1215

Re: Personal Finance Advice for New Grad (HCOL, comp better than expected)

In my high-flying days just out of school, I lived in Manhattan and enjoyed myself, tried not to think much of the city tax, joined a private club, never used the apartment kitchen, vacationed around the world &c. For the most part, though, I was a prodigious saver. A complexity for me was that I ne...
by Super Hans
Sat Nov 25, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 7991

Re: Any BLACK FRIDAY deals for Bogleheads?

Each of us scored a Service Credit Union Black Friday 3-month certificate at 10% APY. There's a $1k max., but it's still better than buying things we don't need!
by Super Hans
Tue Oct 03, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 4851

Re: Cash in a local bank or credit union

Conveniently, a local credit union has "rewards checking" that pays 2% on up to $20k. This works out nicely for easy access. Of course, I have to contrive ~15 micropurchases on my debit card monthly to qualify for the rate.
by Super Hans
Mon Aug 28, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 37
Views: 3288

Re: Possible January trip to Naples, Italy / Amalfi Coast

I won't repeat a lot of the great insight that others have shared already, but I wanted to weigh in by pointing out that I thoroughly enjoyed Naples and Pompeii in January 2017 with my family. Along with my wife and toddler, we rode out the 2017 US Presidential Inauguration in Italy for about ten da...
by Super Hans
Thu Jun 22, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Another Roth vs. Traditional debate, but for high-income Feds
Replies: 15
Views: 2262

Re: Another Roth vs. Traditional debate, but for high-income Feds

I'm paying AMT now, so I'm looking for every opportunity to reduce my AGI. Also, the prospect of avoiding state tax forever by retiring in a more tax-friendly jurisdiction helps keep me 100% tTSP. The scales might tip for those who carry guns and get the "super" pension.
by Super Hans
Wed Jun 21, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 7088

Re: Help with Guns in Estate [how to sell]

To the extent it takes a long time to figure out how to dispose of guns properly, is it critical to clean them or do other maintenance? I have some potentially high-value guns my grandfather once loved. Ideally I'd learn to shoot them correctly, but for the past few years they've been sitting in the...
by Super Hans
Wed Jun 21, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Oregon personal Trip
Replies: 25
Views: 2943

Re: Oregon personal Trip

No votes for Crater Lake here? That was the highlight of my one trip to Oregon.
by Super Hans
Thu Jun 01, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 575219

Re: What's Your Credit Card Rewards Strategy?

I just received an offer from the Fidelity/Elan card that I had to read twice. In a nutshell: for any spend above $1.4K during an upcoming six week period, each dollar spent will earn an additional point up to a maximum of $20. Call me very underwhelmed. I'm even more underwhelmed: I get the bonus ...
by Super Hans
Tue May 23, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a 529 with no children on the horizon?
Replies: 15
Views: 1684

Re: Starting a 529 with no children on the horizon?

I contributed to a 529 in Washington, D.C., before I had a kid, because I wanted to max out the tax break. There's no recapture beyond a few years there. I ended up having a kid and leaving the District later. I transferred the money out to a better plan. But I also would've been ahead if I just cas...
by Super Hans
Mon May 01, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: How to hold cash at Fidelity
Replies: 13
Views: 6251

Re: How to hold cash at Fidelity

Some of the bank CDs Fidelity brokers are decent, though even 1-month CDs might defeat the purpose for having the money at Fidelity (i.e., cash ready to invest right away).
by Super Hans
Wed Feb 08, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Trouble with LMCU transactions coming in as "bill pay"
Replies: 7
Views: 1230

Re: Trouble with LMCU transactions coming in as "bill pay"

Although I dont' fully understand the economics of rewards checking accounts, I don't think LMCU will be sympathetic to the plight of those of us who are satisfying their requirements through micro-transactions. Rather than pursuing the Comcast processing issue with them, I might change your strateg...
by Super Hans
Mon Jan 30, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: switching HSBC accounts
Replies: 1
Views: 481

Re: switching HSBC accounts

If I set up a HSBC Advance Checking account, could I switch to Choice Checking, which has only a $1,500 minimum balance, without paying the early account closure fee? I would guess so, though I don't know for sure. I changed from Premier to Choice, and it only took a "Bank Mail" message. The accoun...
by Super Hans
Fri Jan 27, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 117
Views: 18313

Re: Changes to NYS Deferred Compensation Plan

https://www.irs.gov/retirement-plans/irc-457b-deferred-compensation-plans ^^ See if this link answers your question. Thanks! I think the answer is that it's well worth it to stay in a governmental 457 plan. Even though there are some nickel-and-dime recordkeeping charges I'd save with a rollover to...
by Super Hans
Fri Jan 27, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 117
Views: 18313

Re: Changes to NYS Deferred Compensation Plan

More broadly, I've been debating for more than a decade whether to rollover my money in this plan to the federal TSP. Besides figuring out whether the expenses are a good deal, are there advantages to having a 457 like this in the mix?
by Super Hans
Wed Jan 04, 2017 8:57 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 247
Views: 37903

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

I just opened an 84-month, non-IRA certificate online, notwithstanding the website notice that online account opening is unavailable.
by Super Hans
Thu Oct 27, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Health FSA can pay for HDHP expenses?
Replies: 4
Views: 541

Re: Spouse Health FSA can pay for HDHP expenses?

My understanding is that you're not eligible for an FSA if you're covered by an HDHP (and take advantage of the HSA benefit). You would still qualify for a limited FSA, which I believe covers only vision and dental but not the core medical expenses subject to the high deductible.
by Super Hans
Sat Sep 17, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: Singapore Sling (Raffles Hotel) or Suntory Whisky (Park Hyatt Tokyo)?
Replies: 13
Views: 1623

Re: Singapore Sling (Raffles Hotel) or Suntory Whisky (Park Hyatt Tokyo)?

The Singapore sling at the Raffles seemed like an overpriced tourist trap, and I didn't partake though I set out to do so initially. It's well-advertised all over the hotel and marketed to passers-by with prominent signage. I enjoyed the "Night Safari" at the Singapore Zoo. I realize that's not an o...
by Super Hans
Sat Sep 10, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Banks not honoring bank bonuses on time
Replies: 30
Views: 3303

Re: Banks not honoring bank bonuses on time

Of the many bank bonuses I've set out for through the years, the only bank that truly behaved irresponsibly was HSBC with the HSBC Premier $750 promotion that ran in the last quarter of 2015 and for which payouts were due around the end of May 2016. HSBC is just terrible. They offshore customer serv...
by Super Hans
Tue Aug 09, 2016 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: UPS Store Notary (legit)
Replies: 18
Views: 6646

Re: UPS Store Notary (legit)

In any event, the likelihood of there being consequences from a false notary seems remote. E.g., even if the notary's commission expired, it wouldn't invalidate the document.
by Super Hans
Tue Aug 09, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Citigold minimum increasing to $200,000
Replies: 39
Views: 25561

Re: Citigold minimum increasing to $200,000

Even assuming Citi is convenient for you, you can get "basic checking" with no minimum and no fee, so long as you pay a bill and have a direct deposit each month. I converted over to this bottom-of-the-barrel account after getting kicked out of the Private Bank. I don't really see a difference, exce...
by Super Hans
Thu Jul 28, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any dental insurance worthwhile?????
Replies: 31
Views: 4495

Re: Are there any dental insurance worthwhile?????

The premium for my dental plan through FedVIP (not employer subsidized) is less than the cost of two routine checkups/cleanings. The plan pays these visits, plus x-rays as often as annually, at 100%. My dentist gives the carrier more than a 50% discount but didn't budge in my gentle efforts to negot...
by Super Hans
Fri Jul 01, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Bereavement flight discounts
Replies: 8
Views: 1791

Re: Bereavement flight discounts

Sorry for your loss. Unfortunately, I think bereavement fares belong to a kinder and gentler era of air travel. Last time I had to call United and USAirways in such circumstances, they basically told me I was out of luck. Updated with some links that might help, though it looks like only Delta is of...
by Super Hans
Thu Jun 16, 2016 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Dr. Charges Facilities fee of $300 - what should I do?
Replies: 142
Views: 12972

Re: Dr. Charges Facilities fee of $300 - what should I do?

My insurance denies the facility fee because the facility fee is already included in the regular fee charged by the physician. If the doctor is in the network, you don't owe such a facility fee. Keep in mind that every insurance contract is different and YMMV. This seems like the key issue here. Wh...
by Super Hans
Thu Jun 09, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Why bother with a 529?
Replies: 180
Views: 17589

Re: Why bother with a 529?

Is the 10% penalty all there is to consider? Wouldn't the unqualified distributions be subject to ordinary income tax instead of LT capital gains? Granted, the preferential treatment may not last forever and I may have the good fortune to outgrow that preferred 15% bracket, but it seems like 529s ca...
by Super Hans
Sun Jun 05, 2016 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Why bother with a 529?
Replies: 180
Views: 17589

Re: Why bother with a 529?

Super Hans, Have you maxed up your Trad. 401K contribution yet? What is your current marginal tax rate? For example, if you current Federal Marginal Income Tax rate is 25%, why would you PAY 25% Federal Income tax in order to save 5+% VA income tax? How does that makes any sense? KlangFool I'm in 3...
by Super Hans
Sun Jun 05, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Why bother with a 529?
Replies: 180
Views: 17589

Re: Why bother with a 529?

I'm trying to sort through the ad hominem attacks to distill the wisdom of this thread. Is the best approach to start with UTMA accounts until they generate the level exempt under the kiddie tax rules and then move on to a 529? I'm in VA where my wife and I can each contribute $4k/year to a 529 and ...
by Super Hans
Tue May 31, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: For whom does a Big Law career make sense?
Replies: 21
Views: 3522

Re: For whom does a Big Law career make sense?

It seems about right: I'd say ~4 of the 5 characteristics apply to me, and I never understood the point of modern BIGLAW. Fifty or 75 years ago, it might have suited me nicely. Today, it's just business, and if you want to do business instead of practice a learned profession, then it makes a lot mor...
by Super Hans
Wed May 11, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: 1st post; consider new job impacting LT savings? wisdom for lawyer
Replies: 12
Views: 1425

Re: 1st post; consider new job impacting LT savings? wisdom for lawyer

It depends. If one of the Senators in my state retired and the Governor wanted to appoint me to fill the vacancy until the next election I might accept it. If the President wanted to appoint me as Commissioner of Internal Revenue, IRS Chief Counsel, Assistant Secretary of the Treasury for Tax Polic...
by Super Hans
Tue May 10, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Lake Michigan HSA - New Lower Interest Rates
Replies: 8
Views: 1496

Re: Lake Michigan HSA - New Lower Interest Rates

Is there a way to sort by APY on hsasearch.com? I, too, have been with LMCU for less than six months and didn't notice they cut in half the rate until I saw this thread. It looks like there are a few better options around. I don't know why HSAs tend to be such a bad deal compared to IRAs.
by Super Hans
Tue May 03, 2016 7:29 am
Forum: Personal Finance (Not Investing)
Topic: 7 month / 7% / $7K CD at nrlfcu
Replies: 43
Views: 7787

Re: 7mo/7%/7K CD at nrlfcu

It looks like I was lucky on this one: I applied on-time and the charge posted to my Barclaycard as a purchase. I like NRL's sattelite dish logo, so maybe I'll keep the checking account. The shared branch system actually makes small credit unions very convenient to use for routine banking.
by Super Hans
Thu Apr 21, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 13866

Re: Any stay at home parents regret the decision?

I spent 3 months as a stay-at-home dad with a newly-mobile tot. I'm glad I did it, but it was really hard. We went to library story times almost every day and to "water babies" in the local pool once a week. These were as close as it came to break time for Dad. Routine activities like my trips to th...
by Super Hans
Tue Mar 22, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Black formal shoes with sneaker like support
Replies: 56
Views: 7710

Re: Black formal shoes with sneaker like support

I wear Mephisto everyday with suits. They cost a fortune, but they fit my wide feet very well, are extremely comfortable, and are still made in Europe. With rubber soles, they're not super dressy so I change into a pair of much less comfortable Allen Edmonds shoes on special occasions.
by Super Hans
Tue Feb 09, 2016 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 57
Views: 11110

Re: What is your opinion on the Federal goverment retirement plan?

Is there any easy way to quantify the value of the FERS pension in terms of annual salary? That is, how can a mid-career civil servant compare a $160k federal salary to a private sector offer (no defined benefit pension but much higher pay)?
by Super Hans
Mon Jan 04, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not buy Goldman Sachs CDs?
Replies: 21
Views: 4998

Re: Any reason to not buy Goldman Sachs CDs?

Other than that the rates look relatively poor, I can't see any reason.
by Super Hans
Mon Dec 14, 2015 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Any Biglaw attorneys on the board?
Replies: 53
Views: 11196

Re: Any Biglaw attorneys on the board?

Out of curiosity: How much do you guys work? There's a lot of talk of work/life balance and putting in "a lot of hours". So what's an actual number for that? I've been out of the game for 8 years, but my impression was that this was indeed a game. It was important to look really busy, but I'd argue...
by Super Hans
Sun Nov 22, 2015 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Emergency savings account
Replies: 16
Views: 2705

Re: Emergency savings account

If you have the patience for jumping through a few hoops, you can get both premium rates and ready access by going with rewards checking account(s). By making 10-12 debit card purchases each month, you qualify for a ~3% APY presently. Due to balance caps, I use several of these to squeeze a little e...
by Super Hans
Mon Nov 16, 2015 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: How can you estimate your costs for a doc visit/procedure in an HDHP?
Replies: 14
Views: 2077

Re: How can you estimate your costs for a doc visit/procedure in an HDHP?

It's almost impossible. Aetna and United Healthcare (and probably others) have treatment cost estimators, but I've found them nearly useless because you can't predict in advance how something will be coded. At least it's somewhat better than trying to call. The lack of transparent healthcare pricing...
by Super Hans
Thu Oct 08, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Frustrations w/opening HSA acct (specifically w/LCMU)
Replies: 1
Views: 324

Re: Frustrations w/opening HSA acct (specifically w/LCMU)

I think this is excessive, but unfortunately it seems to be par for the course if you're a new customer. If you're an existing LMCU member, on the other hand, I think this is exceptionally ridiculous and beyond the industry standard.
by Super Hans
Thu Jul 02, 2015 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union
Replies: 60
Views: 11404

Re: Lake Michigan Credit Union

I have their rewards checking account, and my experience has been good. I like that they make it easy to track qualifications for the premium rate on this account, and their customer service has been friendly and effective. I can't speak to their handling of CDs at maturity.