Search found 86 matches

by Madbull
Sat Oct 05, 2019 12:00 pm
Forum: Personal Investments
Topic: Pension Statement Delay
Replies: 2
Views: 274

Re: Pension Statement Delay

I’d say it depends on the employer. I work for a county government, and our deposits aren’t reflected in our DC plan until the 15th of the following month. Your delay does seem long, but perhaps it’s the norm since you’re a new employee? It’s also a new fiscal year for employers that use Sept or Oct...
by Madbull
Wed Sep 25, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Blue Cross Blue Shield Texas ?
Replies: 6
Views: 728

Re: Experience with Blue Cross Blue Shield Texas ?

My spouse used to have a BCBSTX group plan through his employer. That's obviously important since employer plans can offer different levels of coverage and how well the benefit managers work 'for' you versus 'against' you, imo. I suspect purchasing as an individual provides only so much room for sel...
by Madbull
Tue Sep 03, 2019 12:45 pm
Forum: Personal Investments
Topic: How to value pension as a benefit when comparing jobs
Replies: 24
Views: 2400

Re: How to value pension as a benefit when comparing jobs

I have a much different pension with a local govt and I pay into ss but I figure I'll work for 25-30 years, currently I'm at 11.5 years. My pension will be over 60% of my salary, if I retire at age 55. So work 30 years get paid 60% of my salary for 30 years after I retire. That is worth at least an...
by Madbull
Sun Oct 21, 2018 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 35
Views: 3259

Re: Co-pay accumulators in new health plans

I shudder to think what would happen without our copay assistance plans on some meds that my DH and I take. One of these leaves me with only a $5 copay, (a biological that I must get from our approved specialty mail-order pharmacy). Without it, it’d be insane to cover. The other two meds, post-copay...
by Madbull
Wed Oct 17, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 8397

Re: Best way to complain about Hertz bait-and-switch?

Interesting to see the two camps on this one. We’ve got the ‘You reserved x, you didn’t get x, you should get compensated’ crowd, and then we have the ‘you reserved x, you didn’t get x, get over it’ crowd. IMO, Car reservations are not a guarantee that’s what you’re getting. I’m fairly certain every...
by Madbull
Mon Oct 15, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 621
Views: 72902

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

...Does anyone know how long ACH transfers take (always 24 hours?)? ... My last ACH from my credit union to Ally was as follows: CU - Showed ‘Pending’ on 10-9 CU - Showed ‘Ally Bank M2M Transfer’ Posted/Withdrawn on 10-10 Ally - Posted/Deposited as of 10-12 That’s the norm for me. I’ve read there’s...
by Madbull
Sun Oct 14, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 12028

Re: Should we move to San Diego from east coast?

SD native that grew up primarily in the PB and Point Loma areas. My mother was a born at Mercy & raised there as well, and her mother at County before her too. Loved growing up walking distance to the beach or bay, great weather, and beach community as a whole. Note I said ‘loved’...past tense. I le...
by Madbull
Sat Oct 13, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3831

Re: Budget Coffee

I’m good with almost anything. We will go with whatever is on sale that’s off-brand at Costco/Sam’s/HEB when we run out and are awaiting an order of Puerto Rican coffee that’s very rare though, as my DH needshis taste of home in the mornings. Some ideas: Puerto Rican Variety Pack Ground Coffee - 4 L...
by Madbull
Wed Oct 10, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 7120

Re: Anyone done a Hair Transplant?

Had a boss who did it about ~8 years ago, was a constant project as he kept attempting improvements for awhile. It looked horrible, (and he went to a reputable place, with a pricey history). It just wasn’t meant to be. In the end, (and after a couple years of ribbing), he just shaved it all. Persona...
by Madbull
Sat Oct 06, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 14299

Re: What is your annual cost for health insurance?

I'll contribute both my retired mother's situation, as well as my own options. (She retired from same employer as I work for, a large County government of about ~8k employees, both of us are/were civilian employees). Retiree 65+ (3 options) Humana Medicare Advantage Plan - $785/yr Retiree Contributi...
by Madbull
Fri Oct 05, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30551

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

If we weren’t already planning on retiring to my DH’s birthplace in Puerto Rico, (and didn’t want to stay on the mainland somewhere in either Florida or Texas), the DR would definitely be on our shortlist. We’re addicted to watching those HGTV shows like “Caribbean Life”, “Beachfront Bargain Hunt” a...
by Madbull
Tue Oct 02, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Any (medicare plans) experience with Silver & Fit?
Replies: 33
Views: 1964

Re: Any (medicare plans) experience with Silver & Fit?

My mom (68) has the Silver Sneakers program with her Humana Medicare Advantage plan through her work retiree insurance. Luckily I found 2 locations near us that have an indoor pool, (a local Y, as well as a 24hr or Anytime Fitness, can’t recall which one). Legit deal, free as long as you don’t sign ...
by Madbull
Fri Sep 28, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Public Student Loan Forgiveness Program Rejects 99% of Applicants
Replies: 27
Views: 2668

Re: Public Student Loan Forgiveness Program Rejects 99% of Applicants

Yeah, start charging for k-12 too, entitled kids think they can just get a free ride all the way through HS I’ll bite, lol..... We already do. I’m paying over $6k/year to our local ISD through property taxes. And we have NO kids. I’m already more than doing ‘my part’ for other people’s choice to po...
by Madbull
Thu Sep 27, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3765

Re: Good flip flops

Surprised no one has recommended Oofos yet. They have various models, to include sandals, slides and flip-flops. After my orthopaedic surgeon recommended them I took a chance. Loved them!

https://www.oofos.com
by Madbull
Wed Sep 26, 2018 1:27 pm
Forum: Personal Investments
Topic: Pension vs 401k, help
Replies: 31
Views: 2311

Re: Pension vs 401k, help

I agree with previous post about trying to increase any supplementary plans (457/403) which may help pad the difference if you found you just couldn't stomach making it the entire 11.5 years. Also - Are you able to take medical coverage when you retire from service? If so, can you still take it late...
by Madbull
Tue Sep 25, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Be sure to check your tax estimates for 2018
Replies: 24
Views: 3556

Re: Be sure to check your tax estimates for 2018

Claiming married was originally designed for a single earner household.... Perhaps, but it’s not 1950 anymore, and is yet another example of our inept tax system, (even moreso with what it’s doing this tax year to people). /rant off We also haven’t had any issues previously both claiming M-0, (usua...
by Madbull
Tue Sep 25, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Be sure to check your tax estimates for 2018
Replies: 24
Views: 3556

Re: Be sure to check your tax estimates for 2018

Our tax liability is going down, but we had to more than double our additional withholding in order to be close to our liability. I guess this is my issue with this whole mess. While I am thrilled if our liability truly is less at the end of the day, I shouldn’t have to mess around with the IRS cal...
by Madbull
Tue Sep 25, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Be sure to check your tax estimates for 2018
Replies: 24
Views: 3556

Re: Be sure to check your tax estimates for 2018

I just got a shock this morning. I went to the IRS site and instead of breaking even every year, I will owe $2k next year. Yes, my total tax bill in 2018 is less than 2017, but not enough is being withheld in my paycheck to cover my tax liability. I just assumed all year that I would still break ev...
by Madbull
Fri Sep 21, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Fed Taxes Withholding Options
Replies: 1
Views: 334

2018 Fed Taxes Withholding Options

Apologies in advance for this question, as I suspect I’m just having a ‘brain fart’, but want to ensure I’m on the right page here.... Due to the snafu of the withholding tables that a lot of employers used initially being wrong this year, I’ve been trying to make sure we have enough withheld to avo...
by Madbull
Thu Sep 20, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 3148

Re: Moving to Dallas, how to establish residency

Just a heads up regarding your Vehicle Registration - depending on how the title search on your vehicles goes at either TxDMV, (if you’re getting a Texas title issued), or at the Tarrant County Tax Office, (if solely registering), it is possible you will have to take the vehicle to the local auto th...
by Madbull
Sun Sep 16, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to get financially ready for death of parent
Replies: 22
Views: 2768

Re: How to get financially ready for death of parent

Agree with others above about consulting an attorney. However, imo, you shouldn’t focus just on one with estate planning experience. Try to locate one who is a reputable elder care attorney. They will be in a much better position to not just address assets, but final care and wishes in multiple scen...
by Madbull
Thu Sep 13, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Online Secure Storage - FidSafe vs other options
Replies: 5
Views: 817

Online Secure Storage - FidSafe vs other options

I recently had to track down my scan of my mother's DPoA to provide to one of her pension plans so I could increase her tax withholding, and it got me thinking about storage for these type of things, (both for her stuff, as well as my DH and I). While we don't have too many documents, and the origin...
by Madbull
Sat Sep 08, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 10282

Re: Can Sneakers go with Business Casual?

I tend to agree with many others and view this as a firm "no". The problem with giving a firm no or a firm yes however is that fashion is a combo of what society says is appropriate, what the work environment says is appropriate, and how the individual was brought up as to what is appropriate. IMO, ...
by Madbull
Fri Sep 07, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 43110

Re: Low-earners- What is your profession?

This is an interesting thread. Lots of interesting stories. Many roads to success. I noticed a lot of the self-described low-earners work in professions with very generous pensions, often available at relatively young ages. I would suggest that you may not be as low-earner as you think. You earned ...
by Madbull
Fri Sep 07, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 43110

Re: Low-earners- What is your profession?

/snip Hubby - Certified Medication Aide & Certified Nursing Assistant in a private facility caring for dementia patients in one of the specialized units. He’s been doing that for more than 12 years now at various facilities. He makes towards the top in his sub-industry in our region. A whopping $15...
by Madbull
Fri Sep 07, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 43110

Re: Low-earners- What is your profession?

In the spirit of the thread, I suppose I’m a low-earner in a low-earner household. But I’m happy with what I do and where I am, (with the caveat that of course I’d like to be paid more, lol). Me - 55,918/yr gross Husband- 24k/gross (fluctuates based on hours). I’m a civilian in a County LE agency cu...
by Madbull
Thu Sep 06, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Work asking for input on benefits packages
Replies: 14
Views: 1391

Re: Work asking for input on benefits packages

Just for some comparisons in regards to leave accruals as well as longevity pay.... I work for a County with around just over 5,100 total employees, (including all departments as well as sworn & civilian FTEs). We have the following for leave: Vacation Leave : 0-5 years = 4.0 hours per pay period 6-...
by Madbull
Thu Sep 06, 2018 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Rent Increase or Not?
Replies: 25
Views: 2791

Re: Rent Increase or Not?

<<-Renter here. My property manager/landlord didn’t raise our rent at the last renewal even though he probably could have justified the increase. I appreciate the fact he didn’t. On the flip side, I know he appreciates the things we do on our own, (like replace the builder grade garbage disposal whe...
by Madbull
Wed Sep 05, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 6261

Re: Elderly (innocent) relative received this horrible email

As others have said, her password was taken from one of the thousands of public breaches. To get an idea which one, put her email address in here: https://haveibeenpwned.com/ It will tell you how many instances of publicly-compromised credentials there are associated with that email address. The si...
by Madbull
Wed Sep 05, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: MINT Software Or Other For Budgeting/Tracking
Replies: 20
Views: 2033

Re: MINT Software Or Other For Budgeting/Tracking

viz wrote:
Wed Sep 05, 2018 1:59 pm
nolesrule wrote:
Wed Sep 05, 2018 11:42 am
I use YNAB for budgeting.

I use Google Sheets to aggregate my investment data. It does not require frequent updating.
+1
I am doing exactly the same thing.
+2, YNAB all the way.
by Madbull
Wed Sep 05, 2018 9:50 am
Forum: Personal Investments
Topic: Best Vanguard fund for stability
Replies: 13
Views: 1777

Re: Best Vanguard fund for stability

Why? You’re only in your 30’s. I wonder how many folks in their earning years consider doing just what the OP is thinking about. I recently learned some surprising, (to me), figures about the participants in our 457b plan. I saw the following last week when the committee was making recommendation o...
by Madbull
Tue Sep 04, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: Taylor's new book is #1
Replies: 32
Views: 6435

Re: Taylor's new book is #1

I had the better half order it for me off his Amazon account 2 weeks ago. I LOVED how it was a quick and easy read! Grabbed the second edition of “Guide to Investing” last week and am almost done with it as well. Next will be the Retirement book. While I already knew the foundation, I think they’re ...
by Madbull
Tue Sep 04, 2018 9:04 pm
Forum: Personal Investments
Topic: Beginner Investor - Deferred Comp vs. Roth IRA
Replies: 10
Views: 961

Re: Beginner Investor - Deferred Comp vs. Roth IRA

Curious about your other options as well. ‘Generally’, it seems like most governmental 457 plans offer a couple/few lower ER options, then a mishmash of others. (Ours has VFIAX at .04 & VBTLX at .05 - formerly .15 but they just swapped to admiral, yay us 😀). However we have crap for Intl, so I was p...
by Madbull
Mon Sep 03, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 48196

Re: Selling a car to CarMax

We sold my husband’s ‘06 Chevy Cobalt a couple of years back. It was a base model with high mileage and fair-good condition. IME their offer was firm. However, a local Chevy dealer 2 miles down the interstate from them has an ongoing “We’ll give you $500 over any valid Carmax offer” thing. They even...
by Madbull
Sun Sep 02, 2018 7:40 pm
Forum: Personal Investments
Topic: Aggressive asset allocation and market capitalization for someone with a pension
Replies: 15
Views: 1389

Re: Aggressive asset allocation and market capitalization for someone with a pension

A quick look shows it’s a DB plan that also receives funding from the State’s general fund. Without really digging in to it, that would be enough for me personally to be more cautious in my AA. That’s certainly not to say that you’ll experience issues down they line. But, with relying on funding fro...
by Madbull
Sun Sep 02, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: How to move Directv box from one room to another without paying directv to come out
Replies: 9
Views: 840

Re: How to move Directv box from one room to another without paying directv to come out

See if it has Coax cables in it. If so, and if you’re not planning to use the tv in bedroom one right now, you can just swap the cables from bedroom one and bedroom two. I likely am not explaining it even close enough to help, and am not an installer, I just fiddled with my own wiring the last two h...
by Madbull
Sun Sep 02, 2018 7:09 pm
Forum: Personal Investments
Topic: Aggressive asset allocation and market capitalization for someone with a pension
Replies: 15
Views: 1389

Re: Aggressive asset allocation and market capitalization for someone with a pension

I think a lot will depend on how well-funded your pension plan is, what oversight is in place for it, and of course how stable you personally feel the plan is. For what it’s worth, I have almost 20 years with my employer, eligible to draw in ~8 more. ‘I’ consider it well-funded based on my research....
by Madbull
Sun Sep 02, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: How to move Directv box from one room to another without paying directv to come out
Replies: 9
Views: 840

Re: How to move Directv box from one room to another without paying directv to come out

How old is the house? Do you have a structured wiring panel, (ie; OnQ), perhaps in the master closet?
by Madbull
Sun Sep 02, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Under insured motorist insurance
Replies: 19
Views: 1155

Re: Under insured motorist insurance

In 2004 I ‘T-boned’ a college student who decided to make a left turn across traffic, (in a 4-lane 50mph zone). She had only the state minimum coverages. Her insurance provider paid out her 20k limit almost immediately once they realized in addition to my vehicle being totaled, I had a fractured wri...
by Madbull
Sun Sep 02, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Durable Power of Attorney: Implementation Report
Replies: 60
Views: 5461

Re: Durable Power of Attorney: Implementation Report

I just saw this thread. Just to toss in my experience in the slim chance it helps anyone in their/their parents future planning.... 4 years ago, while my then 64yo mother was in the process of being diagnosed with MCI/Alzheimer’s, she had an elder-care attorney draw up a Will, DPOA, Healthcare POA, ...
by Madbull
Sun Sep 02, 2018 10:47 am
Forum: Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8724

Re: Fully maxed out

Just curious..,. Is there anyone out there that has fully maxed out all tax advantaged accounts in a single year (assuming MFJ). Super high income (>300k/yr?) doesn’t count..... Lol. Um, not a chance and I’ll never come close. I’ve come to terms with the realization that I will never be in a positi...
by Madbull
Sun Sep 02, 2018 10:28 am
Forum: Personal Investments
Topic: Delay in deposits by empower for 401k?
Replies: 13
Views: 776

Re: Delay in deposits by empower for 401k?

We use Empower as our provider as well, (457b). I get paid the 15th & the last day of the month. I just checked, and Empower shows my normal contribution as 08-31-18. I wonder if it’s not so much the custodian, but rather when the employer actually gets the funds to them so they can post all the var...
by Madbull
Thu Aug 30, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: When your employer makes your day...
Replies: 1
Views: 1058

When your employer makes your day...

I work for a County government, and our Commissioner's Court meets every Tuesday, posting the agenda the Thursday prior. I try to keep an eye on it, just because. What did I just see on the agenda for next week? Item 15: Consider and take appropriate action on on a request from the Deferred Compensa...
by Madbull
Sun Aug 26, 2018 12:26 pm
Forum: Personal Investments
Topic: Take pension immediately upon retirement, or use 457 funds?
Replies: 36
Views: 1811

Re: Take pension immediately upon retirement, or use 457 funds?

...It amazes me how many of my colleagues do not even really know how our plan operates, much less have a plan going forward! This! As smart as some of our folks are, they can simultaneously be in the dark when it comes to the phase of life after their careers. It’s been kind of funny lately, as we...
by Madbull
Sat Aug 25, 2018 9:06 pm
Forum: Personal Investments
Topic: Take pension immediately upon retirement, or use 457 funds?
Replies: 36
Views: 1811

Re: Take pension immediately upon retirement, or use 457 funds?

Are you planning on taking employer health insurance upon retirement, (assuming they offer of course)? If so, are you able to take it if you don’t start drawing the pension at the time of separation? My agency provides reasonable health insurance for myself, (& spouse/children), BUT only if when I s...
by Madbull
Sat Aug 25, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Career decisions and healthcare/finances
Replies: 6
Views: 1038

Re: Career decisions and healthcare/finances

In addition to what Ellen said, (and depending on your area of course), you can also look at your local county sheriff’s office for positions with the jail. Just as with the above, you’d generally have very decent healthcare benefits for all, in addition to a pension plan. If you live in a large cou...
by Madbull
Fri Aug 24, 2018 9:41 am
Forum: Personal Investments
Topic: 457 Enrollment
Replies: 9
Views: 715

Re: 457 Enrollment

We used to use Nationwide for our 457b, and I recall not being impressed with our options back then either. We're with Empower now, (formerly Great-West), and while plenty of funds are still cr*p, at least we have a decent 500 and bond index for a good two-fund option. I would find out who the membe...
by Madbull
Thu Aug 23, 2018 1:19 pm
Forum: Personal Investments
Topic: Which Bond Fund in 401k 3-Fund Portfolio
Replies: 5
Views: 311

Re: Which Bond Fund in 401k 3-Fund Portfolio

Thanks to both of y'all. Typing it out and seeing the responses helped to kick my brain into gear apparently. :D
by Madbull
Thu Aug 23, 2018 1:13 pm
Forum: Personal Investments
Topic: Which Bond Fund in 401k 3-Fund Portfolio
Replies: 5
Views: 311

Re: Which Bond Fund in 401k 3-Fund Portfolio

odd. i would not do the long term. 17 yr duration, pass. you can preferentially fill the other 401k with fixed income to minimize the amount you put in this one. Edited my OP based on this. I have adjusted my allocations from my 457b to the following, so I may be able to just up my bond to account ...
by Madbull
Thu Aug 23, 2018 12:58 pm
Forum: Personal Investments
Topic: Which Bond Fund in 401k 3-Fund Portfolio
Replies: 5
Views: 311

Which Bond Fund in 401k 3-Fund Portfolio

Good afternoon all! Last week I got a little feedback on my yearly review, ( https://www.bogleheads.org/forum/viewtopic.php?f=1&t=256774 ), but this time I have a question for my spouse. We just learned that his employer WILL be adding a Fidelity 401k as of Oct 1st. We are trying to decide on a good...