Search found 205 matches

by hale2
Thu May 23, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 21
Views: 1671

Re: Weber vs Broil King Grills

I had a Broil King for 17 years. I would probably still have it if I had had space in my shipment when I moved. I never had a rust issue and the cast iron grids were great. The only issues were the wheels eventually rotted due to direct sunlight over the years, and I had to replace the burner after ...
by hale2
Wed May 15, 2019 3:55 pm
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 96
Views: 7238

Re: Dividends almost Doubled between 2013 and now

Say dividends are desirable because they take cash away from executives that would spend it inefficiently. Then stock buybacks should be even more desirable because they do the same thing, but you'd pay less taxes on it. Buybacks also give the investors more flexibility: If you need more than the b...
by hale2
Mon May 13, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: FERS-Military Buyback and Early Retirement
Replies: 8
Views: 574

Re: FERS-Military Buyback and Early Retirement

For me it was a no brainer. I bought back 12 years. When I did it you didn't pay interest for the first 1 or 2 years (I can't remember). I paid it off before interest began to accrue. I calculated my break even point of 16 months into retirement. Remember, the years are added to the minimum number o...
by hale2
Mon May 13, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: Conversion Strategy and a market drop
Replies: 24
Views: 1667

Re: Conversion Strategy and a market drop

I'll preface this by acknowledging that we don't know if the tax cuts will expire or be extended, but I was wondering what people's thoughts might be about doing a Roth conversion after a large market drop, when you might end up in a lower bracket in retirement. During full retirement, I expect to b...
by hale2
Tue Apr 30, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2014

Re: Car insurance shopping - worth leaving USAA?

I asked Geico for a quote a couple of years ago and it was within a few dollars of what USAA was charging me. If you guys are getting such great quotes now I need to revisit Geico.
by hale2
Sat Apr 27, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is this too much house and am I getting away from my financial goal?
Replies: 13
Views: 1570

Re: Is this too much house and am I getting away from my financial goal?

You can afford it. Is it the best use of your money? Probably not. But it's something you have wanted, can definitely get enjoyment from it for both your family and entertaining. I would go for it.
by hale2
Sun Apr 21, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: CFP [Anyone here taken the CFP exam?]
Replies: 12
Views: 1632

Re: CFP [Anyone here taken the CFP exam?]

I used the Ken Zahn review. The pre-study material was mediocre, but the 2 day classroom training was outstanding.
by hale2
Fri Apr 12, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Tax: Schedule E
Replies: 8
Views: 898

Re: Tax: Schedule E

Keep the properties separate. This will make it much easier to account for depreciation for replacement items that are only for one of the units.
by hale2
Wed Apr 03, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3712
Views: 686003

Re: What's Your Credit Card Rewards Strategy?

So I’m back to use British Airways credit card rewards as a hedging strategy. Originally I was thinking of ditching it, except VOW airline went bankrupt, Norwegian Air could be in trouble too, so I might as well use this card to get first class tickets on British Airways. It does seem like first cl...
by hale2
Wed Apr 03, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?
Replies: 17
Views: 735

Re: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?

Miles bonus posted on my business card today. My personal card bonus posted in Jan/Feb.
by hale2
Tue Apr 02, 2019 2:58 pm
Forum: Investing - Theory, News & General
Topic: Can A Watch Be Considered An Investment?
Replies: 33
Views: 2092

Re: Can A Watch Be Considered An Investment?

I never knew there was a watch for TPS. When and where were they sold? Bremont, a UK watchmaker, has a lot of military watches available at about a 40% discount off retail. https://www.bremont.com/pages/military-watches Just send them a request and they will send you a form to fill out. You have to...
by hale2
Mon Apr 01, 2019 11:48 pm
Forum: Investing - Theory, News & General
Topic: Can A Watch Be Considered An Investment?
Replies: 33
Views: 2092

Re: Can A Watch Be Considered An Investment?

For those of us who followed some of your watch trading: Did you make or lose money overall? Aside from the G-Shock, what other watches do you still own? I lost $15k on $250k of buying/selling or 6%. Most of that was on 3 watches: 1. A Rolex sub that I overpaid for because it was from 1984 and I wa...
by hale2
Mon Apr 01, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Finish backyard before selling?
Replies: 25
Views: 2015

Re: Finish backyard before selling?

You also need to take a look at the competition in your neighborhood and price range. Some areas buyers will insist on everything being perfect, and aren't so price sensitive. Other places people will accept the yard condition because of either a good price or the market is hot and they are desperat...
by hale2
Sun Mar 31, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?
Replies: 17
Views: 735

Re: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?

I churned the personal in January and just finished the minimum spend on the business. You can get both since they are considered different products and don't fall under the 24 month bonus language. If it was 2 personal AA cards then the 2nd one would not be eligible because of the 24 month language.
by hale2
Fri Mar 29, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7110

Re: Anybody else get a huge tax increase due to SALT deduction changes?

https://www.fa-mag.com/news/many-rich-fretting-about-salt-didn-t-get-break-before-trump-law-43985.html About three-quarters of people who in past years paid more than $10,000 in state and local taxes had been required to take the alternative minimum tax, meaning they couldn’t have written off the SA...
by hale2
Fri Mar 22, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 172
Views: 19319

Re: Why should FEHB members buy Medicare Part B?

I am going to stay with Part B for now, precisely because of Victoria's point of overlapping security, but if I stay in high IRMMA brackets I may reconsider in the future, since I did save $55k in my HSA when I had the GEHA HDHP. Now that the HSA is with Fidelity, I need to look at the investment c...
by hale2
Sun Mar 10, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1746
Views: 272676

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I transferred assets back to Merrill Edge last November that had received a bonus from them about 2.5 years earlier. I received my $900 bonus a few weeks ago.
by hale2
Wed Feb 27, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3090

Re: Lease renewal: Complex raised rent by 6.5%

went ahead and drafted an email cc'ing the entire Houston executive leadership team and highlighted my specific grievances.. I may have missed it in your original post, but what are your "specific grievances," besides the rent increasing? Outside of the rent increase, the other items were garden va...
by hale2
Thu Feb 14, 2019 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 30780

Re: [2018 tax return - How does it compare to previous years?]

I live in a high cost area of CA. Total itemized deductions were down from $40,000 in 2017 to $26,000 in 2018 mostly due to SALT limit. My effective tax rate is lower in 2018 vs 2017 My taxable income increased by $15,000 in 2018, but my total taxes paid are $12,000 lower than 2017. I am sure not p...
by hale2
Wed Jan 23, 2019 1:59 pm
Forum: Investing - Theory, News & General
Topic: REITS
Replies: 15
Views: 2925

Re: REITS

FWIW, Rick Ferri has long been a proponent of REITs and they are currently part of his Core 4 portfolios. He discusses them in his books and briefly on his website.
by hale2
Sat Jan 05, 2019 11:20 am
Forum: Personal Investments
Topic: VG advises 15% International Bonds (VTABX)... Why?
Replies: 48
Views: 4268

Re: VG advises 15% International Bonds (VTIAX)... Why?

International bonds add more complexity and add slightly higher cost to a fixed income portfolio. IMO, they are not necessary and I do not recommend them . That being said, if someone believes the international bond story and wants them, I would not argue with them. Rick Ferri Really? https://core-...
by hale2
Fri Jan 04, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 50
Views: 6122

Re: Chase Sapphire Reserve

First I'm hearing about this card. I'm trying to figure out the catch. What am I missing? The points don't look attractive at all but the perks look like free money. This can't last, can it? The catch is you have to be able to qualify for it (high income or assets) and you are basically giving them...
by hale2
Fri Jan 04, 2019 5:21 pm
Forum: Personal Investments
Topic: VG advises 15% International Bonds (VTABX)... Why?
Replies: 48
Views: 4268

Re: VG advises 15% International Bonds (VTIAX)... Why?

International bonds add more complexity and add slightly higher cost to a fixed income portfolio. IMO, they are not necessary and I do not recommend them . That being said, if someone believes the international bond story and wants them, I would not argue with them. Rick Ferri Really? https://core-...
by hale2
Wed Jan 02, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 50
Views: 6122

Re: Chase Sapphire Reserve

Which one do you have in mind? If you are in a location with City National bank then it's Crystal card is considered the most valuable card -- $400 but with $250 in airline credits per AU, up to $1000. Otherwise it's the UBS card or the SunTrust card (Ritz-Carlton no longer accepts applicants) whic...
by hale2
Sat Dec 29, 2018 12:54 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 13937

Re: Core-4 Investing is LIVE! It really is this time!

I have updated all Core-4 Portfolio fund samples to include the new minimums for Vanguard Admiral shares. I've also change the Adviser Alliance page to the Adviser Marketplace page based on feedback I received. Alliance was too close to "endorsing", which was not my intent. No adviser listing on th...
by hale2
Mon Dec 17, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Barclaycard Arrival Plus™ World Elite Mastercard®
Replies: 40
Views: 3170

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

TravelGeek wrote:
Sat Dec 15, 2018 4:56 pm
Anyone know how long it takes after approval to get the actual card? I got instant approval and the card appeared immediately in my existing Barclays account. I did not opt for the $15 express delivery.
It took about a week.
by hale2
Thu Dec 13, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Apple Store For Vets & Active Military
Replies: 9
Views: 1479

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: 898

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: 1601

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: 110
Views: 18575

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: 307
Views: 36842

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: 307
Views: 36842

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: 155
Views: 21093

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: 1746
Views: 272676

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: 6102

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: 6102

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: 6102

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: Personal Investments
Topic: Tax Exempt Bond Funds - Intermediate, Long Term, High Yield
Replies: 14
Views: 1652

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: 625

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: 625

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: 150
Views: 21140

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: 4493

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: 3617

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: 3617

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: 5619

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: 5619

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: 1215

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: 2034

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.