Search found 177 matches

by hale2
Thu Dec 13, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Apple Store For Vets & Active Military
Replies: 9
Views: 1266

Re: Apple Store For Vets & Active Military

Remember though, you'll have to pay sales tax, which could significantly reduce the 10% discount. If you're eligible for this you are also eligible to shop at a base exchange. No sales tax is charged there and they will match any advertised price. I've taken Best Buy ads in before so I'll get the Be...
by hale2
Wed Dec 12, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax assessments in California (assessors questionnaire)
Replies: 10
Views: 730

Re: Property tax assessments in California (assessors questionnaire)

I recently received a similar letter after adding square footage. I spent about 5 minutes filling out the form. I'd rather spend a few minutes and give them accurate data and not have them estimate the value. Do you really think a high tax place like California will be fair in their reassessment?
by hale2
Thu Dec 06, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Dishwasher stopped working well
Replies: 16
Views: 1464

Re: Dishwasher stopped working well

I had a similar problem once with a different brand of dishwasher. Turned out that one of the electrical connections to the heating element in the dishwasher basic had come off. This prevented the dishwasher from heating up the incoming water, which made it not clean very well. I found it out by se...
by hale2
Tue Nov 27, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17152

Re: Don't pay full price for SiriusXM radio

I thought I was getting a good deal by calling to cancel each year so they would drop the price to $99/yr. I just called to do the annual cancellation call. Taking the advice here, I said I still wanted to cancel when they offered $99/yr and they dropped it to $60/yr (with another $12 in taxes and r...
by hale2
Mon Nov 05, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 226
Views: 25178

Re: I’m still not a fan of international bond funds

Rick has a portfolio for everyone, even those who like international bonds! Here's his "Global Markets" portfolio: Total US Stock Market Total International Stock US Investment-grade Bonds International (hedged) Bonds Personally, I'm agnostic to international bonds. I think people don't need them, ...
by hale2
Sun Nov 04, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 226
Views: 25178

Re: I’m still not a fan of international bond funds

Rick has a portfolio for everyone, even those who like international bonds! Here's his "Global Markets" portfolio: Total US Stock Market Total International Stock US Investment-grade Bonds International (hedged) Bonds Personally, I'm agnostic to international bonds. I think people don't need them, ...
by hale2
Sun Nov 04, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 151
Views: 18077

Re: Fidelity Full View transition to eMoney

One of the things I always liked with the previous Fidelity Full View is that I could keep track of all of my credit card charges and balances. This was extremely helpful during credit card churning. The new system doesn't work nearly as well for that. Is there another brokerage that has a system si...
by hale2
Wed Oct 31, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228110

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thanks to this forum, I have not only learned a lot about brokerage bonuses, but am ready to request a retention bonus from TD Ameritrade. I have never been through this process before, so I was hoping someone could provide feedback on the following email ... or if it sounds good, perhaps other rea...
by hale2
Sat Oct 20, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: CA property tax > $10K, any options to deduct all?
Replies: 45
Views: 5865

Re: CA property tax > $10K, any options to deduct all?

from what i recall when i first did the calculations months ago, pretty much everyone wins or breaks even, except for high earning singles in high tax states. DINKs also lose in California. State tax, property tax, plus no deductions or tax credits with no kids.... Are you sure? I don't know what y...
by hale2
Thu Oct 18, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: CA property tax > $10K, any options to deduct all?
Replies: 45
Views: 5865

Re: CA property tax > $10K, any options to deduct all?

My taxes go down next year in CA. Same with me. AMT eliminated my state tax deductions so I wasn't getting to use them anyway. The lower federal tax rates and elimination of the marriage penalty and AMT ( at least for me ) is giving me a large tax break. As other have pointed out, there is still a ...
by hale2
Thu Oct 18, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: CA property tax > $10K, any options to deduct all?
Replies: 45
Views: 5865

Re: CA property tax > $10K, any options to deduct all?

krafty81 wrote:
Wed Oct 17, 2018 6:38 pm
My taxes go down next year in CA.
Same with me. AMT eliminated my state tax deductions so I wasn't getting to use them anyway. The lower federal tax rates and elimination of the marriage penalty and AMT (at least for me) is giving me a large tax break.
by hale2
Wed Oct 17, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bond Funds - Intermediate, Long Term, High Yield
Replies: 14
Views: 1525

Re: Tax Exempt Bond Funds - Intermediate, Long Term, High Yield

I used to hold the Vanguard high yield intermediate term tax exempt bond fund. I currently hold the Vanguard intermediate term tax exempt bond fund. Here is why I switched. Remember, the bull market has been going on for about 10 years. That means a rising stock market throughout this time. The var...
by hale2
Mon Oct 15, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: British Airways AVIOS Points
Replies: 9
Views: 596

Re: British Airways AVIOS Points

I have about 70,000 British Airways AVIOS points from 3 years ago. At one time, you could book, thru British Air, flights on local airlines for low point amounts that would cost a lot in dollars. For example, you could book round trip Pittsburgh to NYC for about 15,000 points ($150) whereas the cas...
by hale2
Mon Oct 15, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: British Airways AVIOS Points
Replies: 9
Views: 596

Re: British Airways AVIOS Points

I use Avios for Alaska Airlines flights. If you are in an area where Alaska flies, it's something to consider.
by hale2
Fri Oct 05, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Be Prepared For Losses
Replies: 146
Views: 19000

Re: Larry Swedroe: Be Prepared For Losses

Only if they survive the one to 2 years of unemployment during the recession. If they do not survive, the future earning does not matter. You have to survive in order to succeed. Is it your argument that these 30 year-olds will starve to death during the recession? Even if they lose everything fina...
by hale2
Thu Oct 04, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4313

Re: Switching Careers - From IT to Police Officer

Good morning fellow Bogleheads, I figured I would update this thread since almost a month have passed. From the initial thread creation to today, I have been sitting on whether this career switch is right for me. I have researched the application process and started heavily training for the PAT exa...
by hale2
Wed Sep 26, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle huge medicare/medicaid premium increases at age 65?
Replies: 19
Views: 3576

Re: How to handle huge medicare/medicaid premium increases at age 65?

Option 3b: Have her get an actual job. This way, she pays into SS legitimately and gains credits. She also brings in some money and provides a service. I think about whether a 61 year old might possibly be able to work.....then I stop and look in the mirror in the bathroom at my work and realize th...
by hale2
Tue Sep 25, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle huge medicare/medicaid premium increases at age 65?
Replies: 19
Views: 3576

Re: How to handle huge medicare/medicaid premium increases at age 65?

Did your mother have a sponsor when she immigrated? I thought the sponsor was financially liable to support her if she doesn't have a job. https://www.nolo.com/legal-encyclopedia/free-books/fiance-marriage-visa-book/chapter3-5.html I asked the same question in a similar thread a few months ago. App...
by hale2
Sun Sep 16, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5507

Re: 38% pay cut for dream job?

I think you are confusing covert operations with overt operations. So every FSO posted abroad is actually spying for the government? Maybe you’ve read one too many Le Carré novels. Spying is part of it: - facilitate contacts with foreign government officials and foreign business people, - cultivati...
by hale2
Sun Sep 16, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5507

Re: 38% pay cut for dream job?

Have you considered that part of your job will include espionage, and entail risks? I think you’re confusing the State Dept with the CIA. I think you are confusing covert operations with overt operations. So every FSO posted abroad is actually spying for the government? Maybe you’ve read one too ma...
by hale2
Fri Aug 31, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Federal retirees - avoid all tax withholding on retirement income streams?
Replies: 7
Views: 1191

Re: Federal retirees - avoid all tax withholding on retirement income streams?

I just use the FERS annuity to withhold fed and state income tax for all those income streams. Twelve payments/withholdings a year, and easy to change the withholding amount (effective on the next payment) through the website to fine-tune as needed. No quarterly payments needed. Keep it simple. +1....
by hale2
Tue Aug 21, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Cell phone insurance
Replies: 25
Views: 1956

Re: Cell phone insurance

We only have it on the kids' phones. Just filed a claim for one kid who was screwing around with his friends and was pushed into the pool. He'll be paying the deductible and will pay the $13 monthly premium. After the incident he is more than willing to do it.
by hale2
Sat Aug 18, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 137
Views: 18498

Re: Teachers Who Have Net Worth of $1 million +

I’m a 43 year old teacher with a wife and kid and our net worth is approaching $1M (it’s $900k-something). Ten years ago, at age 33, our net worth was $25k. Our combined gross income has been between $100k-$150k per year during that time with an average of around $120k/year. No inheritances are inv...
by hale2
Sat Aug 18, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Morgan Stanley- Schwab or Vanguard
Replies: 10
Views: 1252

Re: Moving from Morgan Stanley- Schwab or Vanguard

Take a look at the wiki
https://www.bogleheads.org/wiki/Three-fund_portfolio

You'll see that you can set up the same thing Vanguard gave you using Schwab funds. There is no reason to pay Vanguard .3% to manage, or even deal with the downsides of the Schwab Intelligent Portfolio program.
by hale2
Fri Aug 10, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord advice needed with section 8
Replies: 38
Views: 3875

Re: Landlord advice needed with section 8

Several hundred rental units over many decades. 1. Don't rent to Section 8. (or other subsidized type of arrangement). 2. Be patient and rent to the best non-Section 8 tenants that are available. Without exception. 3. Know the landlord tenant code and all local codes and laws (state/fed/county/etc)...
by hale2
Fri Aug 10, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2775

Re: Plan for Parental Care in my road to financial independence

After 5 years on the green card she will become a citizen. Is there anything saying she can't apply for SSI and medicaid? And medicare through SSI? Well said. If she has less than 3K in asssets, 65+ age, low income(check specific number), she will be eligible for Medicaid if her green card is 5 yea...
by hale2
Thu Aug 02, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Payoff rental property or invest in the market
Replies: 15
Views: 1533

Re: Payoff rental property or invest in the market

for a lot of people though is suspect mortgage interest may not really be deductible anymore. with the standard mfj deduction at $24 k and state and local taxes capped at $10k, you need $14k of interest to get over the standard deduction. at a 4% interest rate that is a $350k mortgage. Not applicab...
by hale2
Wed Jun 27, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 126
Views: 9903

Re: Factor Investing Makes Someone Money, But Maybe Not You

Your thinking has changed over time, which is what I thought. That's fair and completely understandable. My initial portfolio was based on your book. It has changed somewhat over time as based on things I have learned here from you and other posters. Hopefully people on here will realize that changi...
by hale2
Tue Jun 26, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 126
Views: 9903

Re: Factor Investing Makes Someone Money, But Maybe Not You

Rick, I recently read your excellent book All about Asset Allocation In the multi asset class portfolio you suggest 10% small value ad 5% microcap. I liked this portfolio and was thinking of moving in that direction. Has your thinking on this changed at all? Thanks very much, Deighve I was wonderin...
by hale2
Mon Jun 25, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Garrett Planning Network experiences
Replies: 14
Views: 1601

Re: Garrett Planning Network experiences

Garrett has many good advisors. However, the organization will let anyone who is qualified (ie. CFP or about to become one) and who will agree to their hourly model requirement, join. There is no quality control.
by hale2
Wed Jun 06, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 973
Views: 105005

Re: [What TV Show Have You Recently Watched?]

+1 Even today it is absurd that an agent would have done what Stan did, but much more so in the 80s. Thanks. :sharebeer I can't tell you how annoying it was for a couple of days after the show ended seeing all these fluff pieces via online news sites talking about how touching and dramatic the fina...
by hale2
Wed Jun 06, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 973
Views: 105005

Re: [What TV Show Have You Recently Watched?]

The ending of "The Americans" was pathetic at best. They made Stan, and by association the FBI a laughingstock. How he could just overlook the recent murder of colleagues and informants, (as well as the penetration of gov't agencies and programs), and just let them escape was beyond absurd and rend...
by hale2
Tue Jun 05, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 973
Views: 105005

Re: [What TV Show Have You Recently Watched?]

bagle wrote:
Mon Jun 04, 2018 11:19 am
Just finished the heartbreaking finale of "The Americans". My favorite TV drama since Mad Men, Borgen and Breaking Bad.
We loved the show, but were very disappointed in the finale.
by hale2
Sat May 12, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 469
Views: 104194

Re: Bank of America Preferred Rewards

We do not use BoA's Merrill Edge programs at all, since they cannot hold Vanguard's Admiral mutual funds and we don't use any ETFs. You might want to take a look at ME again. I transferred VTSAX and VTMSX from Vanguard to ME. Both are Admiral funds. I don't know if they will accept all Admiral fund...
by hale2
Mon May 07, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial Umbrella Insurance for LLC
Replies: 2
Views: 356

Re: Commercial Umbrella Insurance for LLC

I had residential investment properties in VA that I placed in LLCs. State Farm was able to provided both the property and umbrella insurance.
by hale2
Tue May 01, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: T-mobile military deal for families
Replies: 3
Views: 798

Re: T-mobile military deal for families

I just got home from the T-mobile store after reading about this program this morning. It'll save me $60/mo for 4 lines that are currently at Verizon. Last year I switched to Verizon for a Costco Black Friday I-phone special. T-mobile is also paying the balance off for the 4 phones.
by hale2
Tue May 01, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Cellphone use in Europe now inexpensive
Replies: 23
Views: 2865

Re: Cellphone use in Europe now inexpensive

bh7785 wrote:
Tue May 01, 2018 10:09 am
dsmclone wrote:
Mon Apr 30, 2018 12:57 pm
I could care less about making calls. How is the data coverage? Who did you use?
So you do care about making calls?

Image
+1
You beat me to it.
by hale2
Tue Apr 24, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: CA Public School Teacher - Union Dues, Pension Contribution
Replies: 17
Views: 2540

Re: CA Public School Teacher - Union Dues, Pension Contribution

I believe CA teachers don't contribute to Social Security, so that's a 6.2% savings.
by hale2
Mon Apr 23, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Computershare Transfer Question
Replies: 24
Views: 3128

Re: Computershare Transfer Question

Several years ago I tried to transfer Computershare stocks to Vanguard. Ended up being a major hassle so I donated that stock to my Fidelity DAF. It went smoothly so I transferred my other Computershare holdings to a regular Fidelity brokerage account. I don't recall having to get a medallion signat...
by hale2
Sun Apr 22, 2018 11:06 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 36741

Re: KF's simple rules to achieve FI

It might be to your benefit to give some thought to some of the recommendations that people have given you. Spend a little time analyzing their recommendations for your particular situation. You might decide that making a few changes or thinking about a few things differently may make your financial...
by hale2
Sat Apr 21, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 36741

Re: KF's simple rules to achieve FI

Folks, Do not confuse lucky outcome with a smart strategy. I cannot count on being lucky and continuously employed without interruption. So, I have to plan and survive in this kind of reality. For whatever reason, this is the life that I experienced. Houston Oil Bust, Texas Saving & Loan Crisis, As...
by hale2
Sat Apr 21, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 36741

Re: KF's simple rules to achieve FI

Taking one's rather unique situation and personal mindset to come up with a set of recommendations for everyone seems...inappropriate. Exactly. If I recall correctly, the OP lives in a HCOL area and can't move for family reasons. Also, he pretty much got wiped out during the tech bust and works in ...
by hale2
Fri Apr 20, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 36741

Re: KF's simple rules to achieve FI

I stopped taking it seriously after reading the unrealistic absurdity of #1. Some of the other "rules" make sense.
by hale2
Thu Apr 19, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 19459

Re: Can I retire at age 40?

This thread is hilarious. Make sure to save enough for the divorce that will come when your wife works as a teacher while you sit at home. Not to mention the work ethic that you'll be instilling in your children. Find a different job. The beauty of your position is that it can pay less, so you have...
by hale2
Wed Apr 18, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Use 25k From Brokerage Account For Investment Property?
Replies: 29
Views: 2875

Re: Use 25k From Brokerage Account For Investment Property?

Most property management firms ask 10% of actual rental income. The firm you are asking about wants 15%. Why? Ralph Probably because it's an area with low rents so the property manager wants a minimum fee each month. I have properties in a higher cost area and I pay 8%, which comes out to about the...
by hale2
Wed Apr 18, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 59
Views: 9625

Re: Cash instead of bonds?

Specifically, when you will you sell equities vs. your cash? When equities were up? Over what time frame? The last month, quarter, year? When will you begin replenishing a depleted cash reserve? When stocks are up from the trough, when they're back up to where they were before, or somewhere else? P...
by hale2
Fri Apr 13, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Independent Certified Financial Planner
Replies: 15
Views: 2017

Re: Vanguard vs Independent Certified Financial Planner

Are you just looking for a CFP to do an asset management review? If so, then you're fine going with the free Vanguard option. I used the Vanguard CFP several years ago and was provided a good, solid asset allocation plan. But they are not able to do a full financial plan, which sounds like what you ...
by hale2
Sat Mar 31, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Federal survivor benefit decision help needed
Replies: 19
Views: 2260

Re: Federal survivor benefit decision help needed

I recommend 25% SBP plus the term policy. You have plenty of money to cover things when the policy expires. Also, remember, the 250k term policy is income tax free while the pension is taxable.
by hale2
Tue Mar 20, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - Will/Trust needed?
Replies: 11
Views: 1377

Re: Baby on the way - Will/Trust needed?

Once your baby is born, you and your wife should update your will to specify who will be the guardian of your child in the event both of you die before your child's 18th birthday. You can (we did) do wills before baby is born specifying child(ren) - without naming - with a testamentary trust until ...
by hale2
Tue Mar 20, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Suggestions or remedy for a fire on our apartment complex...
Replies: 13
Views: 1817

Re: Suggestions or remedy for a fire on our apartment complex...

Give 'em a break... there was just a fire in the building! I highly doubt they owe you a gym membership since there was a fire in the fitness room. I find it odd and rude you would even think that way. The fitness room is a perk not a right. I'd suggest, work out outside for a bit while they get th...