Search found 50 matches

by onmyway33
Sun Sep 13, 2020 2:27 pm
Forum: Personal Investments
Topic: Pay Off Rental Property or Keep it Leveraged?
Replies: 10
Views: 764

Re: Pay Off Rental Property or Keep it Leveraged?

With that interest rate, I would pay it off aggressively, though not all at once. For example pay an extra $500-1000 per month toward principle, or whatever your budget provides to reach payoff more quickly. I am aggressively paying off a mortgage on my rental currently at 4% interest. This will lik...
by onmyway33
Thu Sep 03, 2020 8:10 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

Kevin,

I am happy to add you to the list. I sent you a PM with some additional details. Please let me know if you do not receive it.

Thanks and be well.
by onmyway33
Mon Aug 10, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: Moving truck rental add-ons
Replies: 26
Views: 1680

Re: Moving truck rental add-ons

I typically pass on the equipment provider's insurance and self-insure when I rent moving trailers to pull behind my vehicle. Since I am operating my own vehicle and have experience maneuvering a trailer, I feel my risk of damage is low and relatively limited to the cost of the trailer (<$10K) if da...
by onmyway33
Mon Jun 01, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Experience w/ Medical Lab Sciences major in college?
Replies: 5
Views: 487

Re: Experience w/ Medical Lab Sciences major in college?

I received my undergraduate degree in Medical Lab Sciences (aka Clinical Laboratory Sciences) and found the coursework to be academically stimulating, quite rigorous, and certainly rooted in biology/pathology. Some of the core courses were in medical microbiology, blood banking, clinical chemistry, ...
by onmyway33
Sat Mar 28, 2020 7:16 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, The Columbus, Ohio Bogleheads chapter has very graciously invited us to attend their next scheduled chapter meeting, which will be held online using Zoom. The meeting is scheduled for 3pm to 5pm on Sunday, April 5th . More information regarding the meeting can be found on...
by onmyway33
Fri Mar 27, 2020 4:05 pm
Forum: US Chapters
Topic: New Columbus, Ohio Chapter
Replies: 146
Views: 40476

Re: New Columbus, Ohio Chapter

RetiredMarine and Columbus group, Our meetings are very similar in size and format to yours, with open forum meetings, and some prompted by a presentation on a relevant financial topic. We meet every other month and have a wide range of members, from those early in their careers and starting their j...
by onmyway33
Fri Mar 27, 2020 2:28 pm
Forum: US Chapters
Topic: New Columbus, Ohio Chapter
Replies: 146
Views: 40476

Re: New Columbus, Ohio Chapter

Columbus Bogleheads chapter, Greetings from your northerly chapter neighbor. I am the chapter coordinator for the North East Ohio Bogleheads (Cleveland/Akron area) chapter. We are also doing our best to comply with Ohio's sheltering in place directives. May I ask if this Zoom invitation could be sha...
by onmyway33
Thu Mar 12, 2020 3:29 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, I am disappointed to announce that we have decided to cancel our next scheduled Bogleheads meeting out of concern for the well being of our meeting attendees, plus the library has cancelled the meeting rooms scheduled for this weekend. We will plan to resume meetings in M...
by onmyway33
Mon Mar 09, 2020 3:04 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, I would like to remind the group that our next meeting is scheduled for Saturday March 14th 2020 from 10am until noon in Room 124 of the North Royalton Public Library (5071 Wallings Road • North Royalton, OH 44133), weather permitting. I would like to begin the meeting by...
by onmyway33
Wed Jan 22, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pay rent electronically - Fidelity? Other?
Replies: 16
Views: 1111

Re: Pay rent electronically - Fidelity? Other?

Venmo can work well for paying rent, if your landlord is willing to create an account. Neither sender nor recipient has direct access to the other's checking account, so security is maintained. No fees if you link checking accounts, and the transfer is very rapid.
by onmyway33
Sun Jan 12, 2020 2:52 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, For those of you interested in an emailed copy of Al's insightful presentation on FIRE given on Saturday Jan 11, please PM me your email address. Our next meeting is scheduled for Saturday March 14th 2020 from 10am until noon in Room 124 of the North Royalton Public Libra...
by onmyway33
Sun Jan 12, 2020 9:45 am
Forum: Personal Consumer Issues
Topic: College Reunion Destination
Replies: 49
Views: 3517

Re: College Reunion Destination

Asheville, NC seems to tick lots of your boxes. Especially on the food, drink, and (minor league) sports front.
by onmyway33
Fri Dec 20, 2019 11:59 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, I would like to remind our group that our next meeting is scheduled for Saturday January 11th 2020 from 10am until noon in Room 124 of the North Royalton Public Library (5071 Wallings Road • North Royalton, OH 44133), weather permitting. One of our group members will be p...
by onmyway33
Wed Nov 06, 2019 3:52 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, Due to scheduling conflicts, our next regular bi-monthly meeting that was scheduled for Saturday November 9th has been cancelled . Our next scheduled meeting will then be tentatively planned for Saturday January 11th 2020 from 10am until noon at the North Royalton Public ...
by onmyway33
Thu Sep 05, 2019 10:03 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, I would like to remind the group that our next meeting is planned for Saturday September 14th from 10am until noon at the North Royalton Public Library (5071 Wallings Road • North Royalton, OH 44133) in meeting room 124. To spur our discussion, I will be presenting a shor...
by onmyway33
Thu Jul 25, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: First Home Purchase - Disagreement on Appraisal Contingency
Replies: 81
Views: 4133

Re: First Home Purchase - Disagreement on Appraisal Contingency

OP, weren't the terms of the your appraisal contingency (and how to ultimately satisfy/remove this contingency and move to closing) clearly written in your initial offer? If the seller's attorney is proposing a change to these terms that are in the seller's favor, then I would expect to be compensat...
by onmyway33
Fri Jul 12, 2019 8:52 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, I would like to remind the group that our next meeting is planned for tomorrow, Saturday July 13th from 10am until noon at the North Royalton Public Library (5071 Wallings Road • North Royalton, OH 44133) in meeting room 124. If anyone has any topics that they would like ...
by onmyway33
Wed Jun 12, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 568
Views: 77066

Re: What lifestyle creep made you happier?

These come to mind: 1. Buying high quality (sometimes professional grade) tools for home related projects. In many instances, such as a power washer I just purchased, they really do perform much better and have a longer service life than home-owner grade. 2. Paying off bills (utilities, property tax...
by onmyway33
Wed May 15, 2019 2:44 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, Due to scheduling conflicts, I would like to postpone our next meeting until Saturday July 13th from 10am until noon at the North Royalton Public Library (5071 Wallings Road • North Royalton, OH 44133) in meeting room 124. If anyone has any topics that they would like to ...
by onmyway33
Wed Apr 10, 2019 10:41 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, I wanted to remind you all that our next meeting is scheduled for this Saturday April 13th from 10am until noon at the North Royalton Public Library (5071 Wallings Road • North Royalton, OH 44133) in meeting room 124. We are planning to discuss nursing homes and how one c...
by onmyway33
Sun Mar 17, 2019 8:08 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

Hello all new and interested members of the North East Ohio (Cleveland) chapter.

Could you please PM (personal message) me your email address and I will add you to the group email?

Thank you,
by onmyway33
Wed Feb 06, 2019 11:00 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, I wanted to remind you all that our next meeting is scheduled for this Saturday February 9th from 10am until noon at the North Royalton Public Library (5071 Wallings Road • North Royalton, OH 44133) in meeting room 121. We are planning to discuss tax preparation and short...
by onmyway33
Thu Jan 24, 2019 3:32 pm
Forum: Personal Investments
Topic: Inherited Roth IRA tax reporting question - TaxAct
Replies: 4
Views: 367

Re: Inherited Roth IRA tax reporting question - TaxAct

Hello, I found myself in the exact same situation recently when inputting a non-spouse inherited Roth IRA into TaxACT. I used the "Quick Entry" Method. The first time I just entered the info and dollar amounts in boxes 1-17 and also was assessed tax. I then read further through the next da...
by onmyway33
Fri Dec 07, 2018 1:57 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

JBeck, The process to join is very simple. It is usually started by attending a meeting and providing your email address. Then you are on our email list and considered a member! There are about 40 folks on our meeting email send out list. We usually get about 20-30 attendees at a meeting, with winte...
by onmyway33
Sat Dec 01, 2018 3:02 pm
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

Northeast Ohio Bogleheads group, Our next bi-monthly meeting will be held at the North Royalton Library, 5071 Wallings Road, at 10am until noon on Saturday, December 8th . I will provide a quick overview of financial topics you may wish to consider prior to the end of the 2018 tax year. Also, we wil...
by onmyway33
Wed Oct 10, 2018 11:11 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, I wanted to remind you all that our next meeting is scheduled for this Saturday October 13th from 10am until noon at the North Royalton Public Library (5071 Wallings Road • North Royalton, OH 44133). We are planning to discuss tax related topics, such as current tax brack...
by onmyway33
Sun Sep 02, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: bench vise recommendation
Replies: 20
Views: 1548

Re: bench vise recommendation

The Craftsman bench vise line is fairly solid and less than $100. Same price as Harbor Freight, and perhaps better quality. I have the 4" vise (circa 2005) bolted to my home basement workbench, and it has never failed me. They appear to be on sale right now, and I may pick up another for my gar...
by onmyway33
Wed Aug 22, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: relationship issues - advise needed
Replies: 51
Views: 4602

Re: relationship issues - advise needed

I totally agree with your desire to minimize costs with this matter, but I would warn you not be penny-wise and pound-foolish here. Divorce can be extremely expensive (financially, mentally, emotionally, etc.). Spend money wisely on things like qualified and effective marriage counselors, books, mar...
by onmyway33
Fri Aug 03, 2018 10:09 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

North East Ohio Bogleheads, I wanted to remind you all that our next meeting is scheduled for Saturday August 11th from 10am until noon at the North Royalton Public Library (5071 Wallings Road • North Royalton, OH 44133). We are planning to discuss retirement simulations using online calculators, su...
by onmyway33
Fri Jun 08, 2018 7:00 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 219
Views: 75321

Re: NE Ohio (Cleveland Area) Master Thread

Hello fellow North East Ohio Bogleheads, This is a reminder that the next Bogleheads meeting is Saturday June 9, 2018 at 10am at the North Royalton Library. We will be discussing tax gain and tax loss harvesting, and then how we talk to others about money. Please bring any additional topics of inter...
by onmyway33
Sat May 20, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Suggested Reading or Advice for Father-to-be
Replies: 28
Views: 3279

Re: Suggested Reading or Advice for Father-to-be

Multiple hospitals in my area had a "Daddy Boot Camp" program where many dads-to-be met with some more experienced dads on a Saturday to just discuss fatherhood and what to expect. It was great to see dads from very different backgrounds all come together with the goal of improving their p...
by onmyway33
Thu May 18, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 9069

Re: Tire Puncture - plug from outside or patch and plug from inside

OP, I think that your research is correct in that patch and plug from the inside is best: Here is a recommendation and link from a fairly reputable source (Tire Rack): There are three primary considerations when repairing a punctured tire. You need to evaluate the damage the object caused as it punc...
by onmyway33
Thu May 18, 2017 1:32 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 211
Views: 33695

Re: For those with $500k-$1m in investments...

I am at 40% taxable and 60% tax-advantaged. I just started maxing out my tax advantaged retirement space in the last few years and before that was just making minimal tax-advantaged contributions to a 403b, no IRA contributions, and was dumping the majority of my monthly excess into taxable American...
by onmyway33
Mon Apr 24, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Car Donation Experiences
Replies: 7
Views: 1156

Car Donation Experiences

I am helping an elderly home-bound relative in Ohio get rid of a older (2002) vehicle with a few moderate mechanical issues (likely worth ~$1000). I am considering recommending that they give it to a charity for the assumed benefit that the charity will handle just about everything (taking possessio...
by onmyway33
Fri Apr 21, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 4554

Re: Building your own fence

I am just finishing a wooden fence project at my residence. To assist in digging 30 post holes, I rented a hydraulic auger post hole digger and used a spud bar to break up the clay and rocks that I encountered as I dug down about 36". Be sure to dig your holes deep enough (at least below the fr...
by onmyway33
Mon Feb 20, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 44
Views: 11387

Re: Utility Bills - How do ours compare?

First off, thanks for your question OP. We try to generally minimize utility usage by being vigilant about turning off lights when leaving a room, turning down the thermostat at night in the winter, using fans and open windows in place of AC in the summer, trying to conserve water by taking quick sh...
by onmyway33
Sun Feb 12, 2017 7:14 pm
Forum: US Chapters
Topic: is next meeting in Cleveland area scheduled?
Replies: 3
Views: 1555

Re: is next meeting in Cleveland area scheduled?

We just held our meeting yesterday, so your post is one day late. Our next meeting is scheduled for April 8th at 10am during which we will discuss financial advisors, different designations and credentials, and the fiduciary responsibility. Are there any topics that you would like to see addressed? ...
by onmyway33
Sat Dec 10, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 8570

Re: Ideal two vehicle combo?

I find myself in a very similar situation juggling car seats and dogs but wanting a manual transmission vehicle that supports my DIY hobbies. I am considering the Toyota Corolla iM, which looks to be new version of the Matrix. Hatchbacks seem to offer a good bit of flexibility with hauling building ...
by onmyway33
Sat Dec 03, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: 20% Match on 401k.. sorta.
Replies: 45
Views: 7175

Re: 20% Match on 401k.. sorta.

Your 401k plan seems decent, especially the part about having no administrative fees added. My employer offers in essence a 50% match up to the max contribution, so my $18K gets a $9K match by my employer. However, they apply a 0.32% administrative fee on top of the ER of the funds, which is a bit o...
by onmyway33
Fri Dec 02, 2016 4:39 pm
Forum: Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 10542

Re: Pay off mortgage?

Lots of people say to pay off the mortgage without giving a good financial reason. If you lose your source of income, it's one less bill you won't have to worry about. That is, it's X dollars more that remains in your bank account as opposed to that of a third party. I am in the pay it off earlier ...
by onmyway33
Thu Dec 01, 2016 8:12 pm
Forum: Personal Consumer Issues
Topic: How to Remove a Broken Screw from Mailbox?
Replies: 19
Views: 2563

Re: How to Remove a Broken Screw from Mailbox?

Can you use a small file or a rotary Dremel tool to grind a slot on the face of broken screw? Then take a small flat head screw driver and carefully back the screw out?
by onmyway33
Sun Jul 10, 2016 6:56 pm
Forum: Personal Investments
Topic: How much do you invest of your net income?
Replies: 25
Views: 4466

Re: How much do you invest of your net income?

Including my employer's generous match on my annual 401k contribution, my wife and I have been around 45% of our gross for the last few years. I have been liquidating a few taxable assets to help with living expenses so that I can max all tax-advantaged space. My wife is a SAHM though, and I have st...
by onmyway33
Sun Jul 10, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 45326

Re: Where were you financially when you were at 30?

At the age of 30, I had just married my wife and was making about $50,000 a year working in Bioscience for a state academic hospital in a LCOL area. I was just investing the default amount into the state sponsored 403b (~$400 a month). I did not have any other debt and thought that putting as much a...
by onmyway33
Thu May 05, 2016 6:38 am
Forum: Personal Consumer Issues
Topic: Fence Building: Soaking cedar fence posts in preservative?
Replies: 24
Views: 3676

Re: Fence Building: Soaking cedar fence posts in preservative?

I am planning to DIY install a wooden fence at my house in the coming weeks and have been researching this exact topic, so your post is very timely for me and I will be following this thread for any helpful feedback from others. Your post install plan is very similar to mine, and I am planning to us...
by onmyway33
Sun Aug 02, 2015 9:39 am
Forum: Personal Consumer Issues
Topic: Advice on two houses
Replies: 11
Views: 2342

Re: Advice on two houses

A consideration that ought not be taken lightly would be security and maintaining an occupied look. I found myself in a similar situation a few years back where I had essentially moved out of a house that I listed for sale, with a "for sale" sign posted in the front yard. Long story short,...
by onmyway33
Sat Jun 13, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Is my tenant trying to scam their renter's insurance company? (Fire Damage)
Replies: 44
Views: 9001

Re: Is my tenant trying to scam their renter's insurance company? (Fire Damage)

Here is the puzzle to me - If this is some sort of tenant "scam" - what is the benefit and/or motive? Sure seems like a lot of work/effort to get some things cleaned. Well, I agree the benefit is small, but I don't think it is insignificant. For much of this week, my tenant has been in a ...
by onmyway33
Thu Feb 19, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 12
Views: 2777

Re: Sling TV experiences

FWIW, the current $20/month deal from Sling TV offers the following channels: ESPN, ESPN2, TNT, TBS, Food Network, HGTV, travel channel, AMC, adult swim/cartoon network, Disney channel, abc family, CNN, and I have heard that they will be offering AMC in the near future.
by onmyway33
Thu Feb 19, 2015 12:00 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 12
Views: 2777

Sling TV experiences

After a recent price increase by my cable provider and only partially successful negotiations to have them lower the price, I am seriously considering dropping my cable service entirely. My plan is to switch to Sling TV ($20/month) for the few cable channels offered and pulling network channels over...
by onmyway33
Thu Jan 22, 2015 5:44 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 255
Views: 39897

Re: What do you drive, and why?

Currently I drive a 2005 Chevy Cobalt with about 113000 miles. Definitely an economy car and decently reliable as the only medium sized repairs have dealt with the weak suspension, which is exacerbated by snowy pot hole ridden roads. My wife drives a very comfortable and surprisingly roomy 2009 Hyun...
by onmyway33
Wed Nov 19, 2014 7:34 am
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 12575

Re: Winter Coat

My Schmidt's coat has kept me plenty warm for 3 Northern Ohio winters now and it still looks brand new. Similar styling and durability to a Carhartt, but significantly lower price. Just formal looking enough to wear around town and to work and plenty tough for any outdoor work in subzero weather. Ha...