Search found 3405 matches

by DaftInvestor
Sat Jan 20, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 24
Views: 1791

Re: How to Minimize Your Emergency Care Expenses

WCI - thanks so much for sharing. Excellent summary.
I am glad the health-care-reform bill (aka Obamacare, aka ACA) was so effective at fixing this mess as promised....oh wait - you are talking about the way things still are today?
by DaftInvestor
Sat Jan 20, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 24
Views: 1791

Re: How to Minimize Your Emergency Care Expenses

Side note, it seems that anytime and everytime I call the ask a nurse type service they direct me to go to the ER. This is just a CYA thing - if they direct you to go to the ER you can't as easily hold them liable if something happens to you. Similar to getting in a minor accident - someone taps th...
by DaftInvestor
Sat Jan 20, 2018 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Should I stop 529 Contributions
Replies: 6
Views: 459

Re: Should I stop 529 Contributions

Personally I would contribute a bit more before stopping to fund (provided you are maxing out tax advantaged retirement savings vehicles). The number of students going to grad school is on the rise - not sure what the trend will be 17 years from now when your 5 year old will be finishing up undergra...
by DaftInvestor
Sat Jan 20, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 13
Views: 713

Re: Medical Appointment Cancellation Policies/Fees

What is your specialist copay? Copay is $20 while fee was $85. Every policy I reveiewed says nothing about it being based on copay (e.g. everyone "would" be charged the same regardless of their insurance cooay). Thanks for all the replies. This specialist could lose $1000s from us for this $85 asse...
by DaftInvestor
Fri Jan 19, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Have you or anyone you know actually used umbrella coverage?
Replies: 26
Views: 1940

Re: Have you or anyone you know actually used umbrella coverage?

Last time this was asked: viewtopic.php?t=193378
As I recall there were just a lot of "Not me" responses and then discussions in general on coverage.
by DaftInvestor
Fri Jan 19, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 26
Views: 1086

Re: Telemarketing calls from my own prefix

And an annoying side effect: Wife's cell phone rings, she picks up. Unknown but unblocked number, but close to hers (same XXX-YYY). Guy goes "hi, I saw you just tried to called me." She correctly states that no, she hadn't called anyone for hours. Guy wouldn't believe it, starts arguing. After the ...
by DaftInvestor
Fri Jan 19, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 26
Views: 1086

Re: Telemarketing calls from my own prefix

I block all calls of that nature. Most of them won't repeat a call, but some of them do. As I understand it, they aren't actually calling from these numbers. They are spoofing it. So they can just move on to the next number (773-793-0001, 773-793-0002, etc). I guess after I've blocked all 1000........
by DaftInvestor
Fri Jan 19, 2018 4:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: this is why I value this Forum
Replies: 2
Views: 792

Re: this is why I value this Forum

On the other hand it is unfortunate it wasn't until page 3 that that type of response was provided :)
After some very negative responses...
by DaftInvestor
Fri Jan 19, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 13
Views: 713

Re: Medical Appointment Cancellation Policies/Fees

Thanks Pajamas and WoodSpinner and athan - I probably should have a chat with them myself first. I COMPLETELY understand the need for the policy - time is money for all of us. This one just seems a bit unfair to me. If they stick to the fee we will either end up never going to this specialist again ...
by DaftInvestor
Fri Jan 19, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 13
Views: 713

Medical Appointment Cancellation Policies/Fees

Teenage daughter had an appointment to go see a medical specialist. There was a snow-storm and she is nervous driving in the snow (and my theory is "why risk it") so she canceled the appointment. Specialist is now assessing an $85 cancellation fee because there wasn't enough advance notice of the ca...
by DaftInvestor
Fri Jan 19, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: 1,000th post and a 'No-Fail' Retirement Formula
Replies: 47
Views: 3974

Re: 1,000th post and a 'No-Fail' Retirement Formula

As an example to above if I add 53,000 per year in retirement investments, will need to withdraw 120,000 per year in retirement, expect my portfolio to grow by 4% yearly before and after retirement, have 15 years until I retire, and plan to live for 30 year after I retire I have: F1 = 53000 F2 = 120...
by DaftInvestor
Fri Jan 19, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: 1,000th post and a 'No-Fail' Retirement Formula
Replies: 47
Views: 3974

Re: 1,000th post and a 'No-Fail' Retirement Formula

DaftInvestor, is there a way you could post a copy of your Excel here? I would like to try it out. Thanks I'll see if I can find a place to post it anonymously and then link to it (If anyone has any suggestions please chime in). User '#Cruncher' does it by posting the actual excel code here, exampl...
by DaftInvestor
Fri Jan 19, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Exit strategy for bitcoin
Replies: 71
Views: 4445

Re: Exit strategy for bitcoin

Bitcoin isn't like a stock in the stock market nor has it, does it, will it ever behave as such. Thus - no way to use a "strategy" the way you thinking. The best strategy in my opinion is, if you are ahead sell immediately and be glad your gamble paid off. If you are behind sell immediately, learn y...
by DaftInvestor
Thu Jan 18, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: 1,000th post and a 'No-Fail' Retirement Formula
Replies: 47
Views: 3974

Re: 1,000th post and a 'No-Fail' Retirement Formula

sunny_socal wrote:
Thu Jan 18, 2018 9:54 am

DaftInvestor, is there a way you could post a copy of your Excel here? I would like to try it out.
Thanks
I'll see if I can find a place to post it anonymously and then link to it (If anyone has any suggestions please chime in).
by DaftInvestor
Thu Jan 18, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: 1,000th post and a 'No-Fail' Retirement Formula
Replies: 47
Views: 3974

Re: 1,000th post and a 'No-Fail' Retirement Formula

Congrats on your milestone. The one thing your formula doesn't answer is "How much do I need to save for the next X years to hit the number I need for retirement". As such - I will share my formulas (I assume you have already deducted and determined how much you need to withdraw per year - but if yo...
by DaftInvestor
Thu Jan 18, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 127
Views: 5379

Re: Short Commute or Nicer House?

Another factor we noticed was gas consumption, and wear and tear on the car. I used to average 25K-30Kmiles a year in one car... now it's down to 11K. Our second car used to average 15K... it's about 1-2k/year now... (would be nice to get down to one vehicle) In the case of the OP when doing a full...
by DaftInvestor
Thu Jan 18, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 127
Views: 5379

Re: Short Commute or Nicer House?

Decision isn't as black and white as some always make it sound. This is a lifestyle choice as much as anything else. While cities can provide more walk-able amenities they sometimes also have more crime and over time give some folks a feeling of being hemmed in (more dense neighborhoods, less greene...
by DaftInvestor
Wed Jan 17, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: How to overcome the fear of spending money? (Buying a car)
Replies: 49
Views: 2935

Re: How to overcome the fear of spending money? (Buying a car)

Someone just started a thread on writing an IPS - do you have one? One nice thing about an IPS is that you define your savings goals - if you are meeting all your savings goal then you can allow yourself to spend some money on an item that might not be completely necessary. (Thread started on IPS: h...
by DaftInvestor
Wed Jan 17, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: Amazing how much your IPS can de-stress your life
Replies: 28
Views: 3517

Re: Amazing how much your IPS can de-stress your life

The other thing I like about the IPS is its a good way of agreeing with your spouse that you share the same plan and goals. OP: Agree with everything you said - the only thing I do differently is I do re-balance more than once a year (Since I'm always adding more money I look at allocation amounts m...
by DaftInvestor
Wed Jan 17, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: 529 asset allocation question
Replies: 5
Views: 412

Re: 529 asset allocation question

With you starting to draw these accounts down in 12 years I don't think this is overly conservative.
I know a lot of people with 60/40 allocations 12 years prior to retirement.
Your money might not grow as much as a 80/20 allocation but you have far less risk in return.
by DaftInvestor
Wed Jan 17, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Let's hear (or see) your budget tools
Replies: 12
Views: 1071

Re: Let's hear (or see) your budget tools

So, Bogleheads, how do you budget? Share your thoughts! We no longer budget. For decades I did so with Quicken but slowly migrated from tracking to a budget to simply keep track of where the money was going. I believe the process did help us in tracking and understanding where our money was going a...
by DaftInvestor
Wed Jan 17, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 35
Views: 1610

Re: How will or might nonprofits be affected by tax law changes?

After the tax law change I did move up some of my 2018 planned donations to 2017 donating far more at end of December 2017 than planned in anticipation of making less donations to the same organizations in 2018. If you saw significant donations after the tax law was enacted this is likely people tha...
by DaftInvestor
Wed Jan 17, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4279

Re: Anyone pondering moving to a cheaper place and downsizing?

I'm considering doing that someday (although wouldn't necessarily downsize - just move to a lower-cost area with similar size house/property). Now that my kids are all out of school (negating my need to be concerned about which school district I live in) I could simply move two towns over and save t...
by DaftInvestor
Wed Jan 17, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting Vs Savings Rate
Replies: 65
Views: 4306

Re: Budgeting Vs Savings Rate

I agree with the OP that if you are saving 50% with enough left over to do whatever you want, there is no NEED to budget. The question the OP did not answer is what is the spouse’s goal. Does the spouse want to try to cut back and save more? Do they want a budget so that they can cut loose and spen...
by DaftInvestor
Wed Jan 17, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Career Direction Advice
Replies: 17
Views: 1266

Re: Career Direction Advice

If management is what you want along with stability in the position strive to be a great manager and don't rely on just training from your company. Read some good leadership books (be careful, there are a lot of bad ones written so pick wisely), take some coursera classes, subscribe to hbr.org and r...
by DaftInvestor
Wed Jan 17, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 3847

Re: Umbrella Policy - 1M or 2M

Did you tell them you would have a "New Teen Driver" when you got the quotes/Prices? If not - expect an increase. It's for this reason I'm contemplating making our kids get their own insurance policies in a few years. My dad made me get my own and one minor accident at 17 helped me see the light on...
by DaftInvestor
Tue Jan 16, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: How can I become a better consumer?
Replies: 18
Views: 1518

Re: How can I become a better consumer?

$5,000 in a lifetime sounds admirable. It sounds like you could teach the rest of us. What problem are you really trying to solve? Do you believe you will be happier if you learn to "consume" more? To me its a matter of pursuing your pass-times and hobbies and consuming to support those. If you like...
by DaftInvestor
Tue Jan 16, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: why emergency savings?
Replies: 42
Views: 3629

Re: why emergency savings?

A large market downturn directly corresponds for when I'm most likely to lose my job. Thus my EF is not in the market as I don't want to be forced to sell at the bottom. I don't think that argument works. You're saying "I don't want to have to pull stock out of the market when it has dropped." So a...
by DaftInvestor
Tue Jan 16, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 3847

Re: Umbrella Policy - 1M or 2M

Did you tell them you would have a "New Teen Driver" when you got the quotes/Prices?
If not - expect an increase.
by DaftInvestor
Tue Jan 16, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3600

Re: Are land line phones still being supported?

I had an electrician at my home recently and he was telling that he was glad he had a landline especially for 911. The reason? A landline can be found - kids and adults always know where it is - unlike a cell phone. Not in our house - spouse and kids seem to always have cell phones in hand or in po...
by DaftInvestor
Mon Jan 15, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Where do you get your auto loans?
Replies: 14
Views: 719

Re: Where do you get your auto loans?

I've gotten 0% loans from Toyota as well as from Subaru. In 3 cases I was ready to pay cash but fell back on the loans since they came free. These are usually incentives during certain times of the year that are IN Addition to big rebates on the cars (so usually the 0% seems to coincide with the tim...
by DaftInvestor
Mon Jan 15, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 3051

Re: PTO policy after international business travel

Giving you 5 day PTO is unreasonable if this is part of your job duties. There is a huge cost to the company if they allow everyone to do this.
If I was your manager I would give you 1 day off and then allow you to work some "flex" time for a few days until you are back on the regular schedule.
by DaftInvestor
Mon Jan 15, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Funding 529s and retirement from taxable investment accounts
Replies: 11
Views: 789

Re: Funding 529s and retirement from taxable investment accounts

Be careful not to overfund your 529, as any extra that isn't used for education you have to pay ordinary income tax plus penalty on. Just to be clear (I'm sure this is what miamivice meant but a lot of people think there are huge penalties with the FULL account balance) statement above could be cla...
by DaftInvestor
Mon Jan 15, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP help?
Replies: 12
Views: 878

Re: ESPP help?

Don't let the tax-tail wag the overall-strategy dog. Throughout my career I know plenty of folks that waited the full 2 years for their ESPP shares to become long term gains only not to have any gains to have to worry about :) My opinion: Take the money ASAP and diversify. If you want to risk some -...
by DaftInvestor
Mon Jan 15, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: why emergency savings?
Replies: 42
Views: 3629

Re: why emergency savings?

A large market downturn directly corresponds for when I'm most likely to lose my job. Thus my EF is not in the market as I don't want to be forced to sell at the bottom.
by DaftInvestor
Sun Jan 14, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3152

Re: How long do you save tax returns?

Agree with others- why no keep forever especially the last decade which most people have electronically - they can all fit on a single thumb drive.
by DaftInvestor
Sun Jan 14, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: ‘Fun’ Money
Replies: 15
Views: 989

Re: ‘Fun’ Money

Read about tax efficient investing (and thinking about your portfolio as one whole) as to why folks are recommending putting bonds in 401k versus your taxable account:
https://www.bogleheads.org/wiki/Tax-eff ... _placement

There is a lot you can learn by reading the wiki
by DaftInvestor
Sun Jan 14, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 106
Views: 8511

Re: What is the best home exercise equipment?

+1 for a treadmill for the winter, bikes are okay, elliptical seems like unnatural motion but easy on the joints A rack, barbell, plates, and a bench are the best for working out (you don't have to be a young man to do it). The Deadlift, Squat, Bench Press, Row, Dips, Curls, Pull-ups, Chin-ups, Lat...
by DaftInvestor
Sat Jan 13, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 2883

Re: Will never not upgrade Business travel again

Maybe post this in the financial milestones omnibus thread.
by DaftInvestor
Sat Jan 13, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 2% 12 month CD expires tomorrow
Replies: 13
Views: 2291

Re: Ally Bank 2% 12 month CD expires tomorrow

Synchrony has a 2% rate on a 12 month CD as well - I see no indication theirs expires tomorrow.
by DaftInvestor
Fri Jan 12, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1187

Re: Yahoo Mail: Delete Not Working

I am still mad at Yahoo for deleting all my emails from 1997-2007 >:( I still have emails on Yahoo that go back that far. Was it based upon the storage volume you were using? There was a period where they would delete everything in mass if you didn't log in over a set amount of time (I think 1 year...
by DaftInvestor
Fri Jan 12, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Plan - How to make the most of it?
Replies: 43
Views: 4560

Re: New Tax Plan - How to make the most of it?

If I somehow can bring my taxable income from $87k to $82.5k, I'll be in the 3rd (22%) bracket. You do realize the way marginal tax rates work is that you are ALWAYS paying in the third bracket up until $82.5K even if you clear more than that (actually - you will only pay 22% on the amount of your ...
by DaftInvestor
Fri Jan 12, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Vs CIT- Seeking advice
Replies: 9
Views: 648

Re: Ally Vs CIT- Seeking advice

Hello! CIT saving rate is currently higher than that of Ally by 0.3% (1.55% Vs 1.25%). I have a good experience with Ally so far, but was wondering how is CIT doing in terms of web interference, customer service...etc Anyone had an experience here with CIT? CIT has had a lot of bad ratings. marcus ...
by DaftInvestor
Fri Jan 12, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How do credit card companies determine how much credit to give you?
Replies: 5
Views: 889

Re: How do credit card companies determine how much credit to give you?

One card recently gave me a $5000 limit while another gave me a $40,000 limit. I see no rhyme/reason to how they decide. (The $5,000 limit was Citi Double-Cash - I never had one this low - I immediately called and said I'd cancel if they couldn't up the limit as I didn't want to even think about eve...
by DaftInvestor
Fri Jan 12, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Virus reading Yahoo news
Replies: 8
Views: 792

Re: Virus reading Yahoo news

I hit Ctrl-Alt-Del, got to task manager, and force close the browser when I hit this type of problem. Sometimes they simply force the browser to full-screen mode on you and disallow you from closing it. If its a different exe who knows. If it keeps happening use a different browser (maybe try Chrome...
by DaftInvestor
Fri Jan 12, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Trying to downsize but still too much stuff
Replies: 59
Views: 5555

Re: Trying to downsize but still too much stuff

Books (1 box) Personal Papers (3 boxes) Research materials for a book I'm writing (2 boxes) You can put all of these on one small portable hard drive (and backup to a cloud service or have a second drive for backup. Sentimental Items (5 boxes) 5 boxes? What's all this stuff? This is your biggest pr...
by DaftInvestor
Fri Jan 12, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1187

Re: Yahoo Mail: Delete Not Working

Sockpuppet wrote:
Fri Jan 12, 2018 11:17 am
I am still mad at Yahoo for deleting all my emails from 1997-2007 >:(
I still have emails on Yahoo that go back that far. Was it based upon the storage volume you were using?
by DaftInvestor
Fri Jan 12, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1187

Re: Yahoo Mail: Delete Not Working

More than likely a browser issue - try a different browser.
I'm not having this problem with Windows 10 - I use Chrome.
by DaftInvestor
Fri Jan 12, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Underwater 4-5k in vehicle.
Replies: 29
Views: 1708

Re: Underwater 4-5k in vehicle.

According to Edmunds, a 2017 Forester will lose $11k in depreciation out of the $25k paid over 5 years . I think you mean they keep their value better than some other cars. No cars (except maybe antiques or rare vehicles) keep their value. It all depends upon what you pay for the new car. In some c...
by DaftInvestor
Fri Jan 12, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Underwater 4-5k in vehicle.
Replies: 29
Views: 1708

Re: Underwater 4-5k in vehicle.

Isn't everybody (with a car loan) underwater the moment they leave the dealership parking lot ? Nope, only put down $3K and got a great deal on our brand-new Forester. Subarus keep their value and we were never underwater and have had more than $3K equity in the car (we also had a 1.2% loan which w...