Search found 217 matches

by Purelife304
Wed Sep 20, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Spray Foam Insulation
Replies: 20
Views: 2032

Re: Spray Foam Insulation

The exterminator company we use also does insullation installs. They will not do spray insullation even though they get requests to do it. The technician said "have you ever seen an ant farm, that's what rodents will do in your walls. That was enough of a visualization for me to not go with Spray. :...
by Purelife304
Tue Sep 05, 2017 4:44 am
Forum: Investing - Help with Personal Investments
Topic: personal capital
Replies: 19
Views: 1989

Re: personal capital

i joined about a year ago. Ended up taking off my investment accounts as I was looking at it several times a day even though it updates only once a day (see obsession) Now only my expenses are being pulled in, which is great, and I really enjoy their budgeting tool, everything is categorized automat...
by Purelife304
Fri Sep 01, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Possible change to 401(k) taxation
Replies: 6
Views: 796

Re: Possible change to 401(k) taxation

Not sure anything would be different with existing accounts...if pre-tax, then when pulled out they would become taxed. What would the alternative be?

Oh, and since this thread will be locked....WVU doesn't need the points, taking the 'Eers straight up!
:sharebeer
by Purelife304
Mon Aug 21, 2017 9:59 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13589

Re: I own no international stocks. Can you guess why?

Sold them to get a camera to take another sweet picture of the sailboat with the eclipse in the background today?
:sharebeer
by Purelife304
Mon Jul 31, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1499

Re: Florence Hotels.......

We traveled with Hilton points, and normally Hiltons are better brand than Hilton Garden Inn, so I just booked the Hilton. Plus the Hilton was cheaper ("for some reason", said to myself at the time) The view is great, and from what I call the hotel was fine. However the one thing I explicitly rememb...
by Purelife304
Tue Jul 25, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 3099

Re: Is a kamado grill/smoker worth it?

After a couple years of research, I finally went with the Primo XL. It is incredible. Never smoking on a Weber Smokey Mountain (but certainly a highly respect piece of equipment within the purist camps), but there is significant difference. I'm guessing in your smoke mountain you use water pans to k...
by Purelife304
Tue Jul 25, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Artist Son - 10 years old
Replies: 17
Views: 2447

Re: Artist Son - 10 years old

I'm not of the camp that would report to the IRS as income money sold from a 10 year old's art, unless it was a really big number. I don't see it different than a neighbor kid mowing lawns, shoveling snow, babysitting, or doing other odd jobs. These are not traditionally reported to the IRS as taxa...
by Purelife304
Wed Jul 19, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Eliminate 0% CC balance?
Replies: 30
Views: 2446

Re: Eliminate 0% CC balance?

Over $20k in 0% debt coming due next year some point.
Most likely before then a 0% APR + $0 transfer for the first 30 days will pop up, and whatever is left between now and then from minimum payments will be.
There certainly are days that this concerns me, but I try to get over it.
:sharebeer
by Purelife304
Sun May 28, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: Angel Investing
Replies: 16
Views: 3157

Re: Angel Investing

I couldn't find another thread but curious if anybody throws any money at these type of risky investments? I saw online an Angellist fund (AngelList Access Fund II). Looks interesting to me. Was not thinking of anything more than about 1/2 of 1% of our assets. Anybody done this or similar funds? ht...
by Purelife304
Sun May 21, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 2319

Re: Vehicle recommendation for large family

I would be inclined for a van style vs SUV. Something like the Sprinter or Nissan NV 3500 would be top of my list. That may souls certainly generates a lot of "stuff" that would need to be a part of the trip. Here is an article of someone who seems like they went through the same process. ...
by Purelife304
Sun Sep 11, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Regions Bank IRA for Mortgage Product
Replies: 2
Views: 288

Regions Bank IRA for Mortgage Product

Dear Bogleheads, Does anyone have any experience with Regions Financial Corporation's IRA products? I can't seem to find out any information of the funds offered or their fees, and am looking for any insight! They have a mortgage product which offers .250% discount on mortgage rates if you have $100...
by Purelife304
Tue Aug 30, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Thank you gift for someone with everything
Replies: 29
Views: 2964

Re: Thank you gift for someone with everything

What about a Charitable Donation in their name?

:sharebeer
by Purelife304
Sat Aug 20, 2016 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a new car?
Replies: 69
Views: 6482

Re: Can I afford a new car?

I'm a bit concerned here because it seems that you've already made up your mind. You're normally very high mileage import and fairly good resale value is now on it's last leg at 100k and is going to be worthless very soon. What about getting your car fixed? You could get an older 4Runner but they ar...
by Purelife304
Sun Aug 14, 2016 10:24 am
Forum: Investing - Theory, News & General
Topic: "The Minority of Investors" ... Billionaires
Replies: 35
Views: 4617

"The Minority of Investors" ... Billionaires

There was another thread this morning where there was a link to Reddit (one about a new CBO product). I don't know much about Reddit, and still trying to figure out how to work their site. However I did find a thread titled "Why doesn't everyone invest monthly into index funds?" which caug...
by Purelife304
Fri Aug 12, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Condominium Funds
Replies: 20
Views: 1992

Re: Investing Condominium Funds

No comment on investing communal funds. However I challenge the assumption that the useful life of a condominium is infinite. I think the longest useful life for depreciation is something like 40 years. So maybe practical is something like 80 years, I don't really see any 100+ year old condos. I don...
by Purelife304
Fri Aug 12, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any smart ways to pay off a credit card?
Replies: 27
Views: 2452

Re: Are there any smart ways to pay off a credit card?

livesoft wrote:Balance transfer to a no-annual-fee 0%-interest rate new credit card.



+1 This is my vote. If you have another card, it seems like all of mine these days are trying to take my balance for 0% for 12+ months

:sharebeer
by Purelife304
Wed Aug 10, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: College major...medical
Replies: 26
Views: 2902

Re: College major...medical

As far as I know, there are very few degrees that would say "pre-med" on it. Your degree would be something in the science field such as Biology or I even knew a few engineers who went into med school. I think scoring well on the MCAT is much more important that your degree. I don't think ...
by Purelife304
Tue Aug 09, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 5784

Re: Talking about the Bogleheads approach with non-Bogleheads

Just ask them a couple of rhetorical questions for them to dig up at a latter date. Last year what did they pay in fees (in dollars and %). What was their after fees and tax return from their FA, and how does that compare to what the S&P returned.

:sharebeer
by Purelife304
Sun Aug 07, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: I know about HSAs, but what about HRAs?
Replies: 12
Views: 1456

Re: I know about HSAs, but what about HRAs?

Also as long as she still has an HDHP it would seem that you could still contribute to the HSA (referring to your comment of "When we had an HSA..". That's what I had hoped, but apparently a requirement of contributing to an HSA is that "you have no other coverage" (other than t...
by Purelife304
Sun Aug 07, 2016 5:22 am
Forum: Investing - Help with Personal Investments
Topic: I know about HSAs, but what about HRAs?
Replies: 12
Views: 1456

Re: I know about HSAs, but what about HRAs?

My wife has an HRA and I consider it to be vastly inferior to an HSA. When we had an HSA we would max it out every year and accumulated $30K that is our money. Now with the HRA we only get $2K a year and if we don't use it, we lose it. Looks like the use it lose it option has been designated by you...
by Purelife304
Sun Aug 07, 2016 4:18 am
Forum: Investing - Help with Personal Investments
Topic: I know about HSAs, but what about HRAs?
Replies: 12
Views: 1456

Re: I know about HSAs, but what about HRAs?

I had to look up an HRA, "Health Reimbursement Arrangement". Fairly significant difference between the two is that HSA is owned by the individual, and HRA is owned by the company. The HRA can ONLY be funded by the company, not by the individual. And the HRA is not portable, so if you leave...
by Purelife304
Fri Aug 05, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare career advice – Admin or NP?
Replies: 16
Views: 1821

Re: Healthcare career advice – Admin or NP?

Is your passion hands on patient care? My perspective is that APPs are going to be getting a lot more utilization within healthcare as we move into the next wave of resource utilization. I fully expect to see emergency medicine departments dominated by midlevels with smaller number of MD's to direct...
by Purelife304
Wed Aug 03, 2016 5:13 am
Forum: Personal Consumer Issues
Topic: rental car club
Replies: 7
Views: 960

Re: rental car club

I rent a car every week. Primarily National, sometimes Hertz. They both have bar codes in the windows for scanning / tracking. I bet they all do that now so they can quickly keep tabs on their cars while in the lots.
by Purelife304
Fri Jul 29, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Vacation loans
Replies: 37
Views: 4238

Re: Vacation loans

Shallowpockets wrote:It always amazes me that when interest rates are so low on the receiving end, that this credit union and credit cards are even allowed to offer these exorbitant interest rates.
Seems like it should be illegal.


Isn't that precisely what arbitrage is?
by Purelife304
Thu Jul 28, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: how much to spend on car for business?
Replies: 9
Views: 589

Re: how much to spend on car for business?

Is this side business something you hope to be doing for awhile? Or is it s a short term thing? Now that I think about it, it doesn't really change this perspective... Say they change the body type on that fusion next model in a couple of years...well now all of a sudden you car is "the old ver...
by Purelife304
Fri Jun 10, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 4199

Re: 3 Row SUVs - Help Educate Me

I just noticed your comment about decent cargo room even with the 3rd row up. That would be the Excursion, Yukon XL, Suburban, Tahoe, Expedition, and Sequoia, which you classified as a huge size. If you want the 3rd row and room, you've got to go huge, otherwise you sacrifice one or the other.
by Purelife304
Fri Jun 10, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 4199

Re: 3 Row SUVs - Help Educate Me

What about the Buick Enclave?

Something like:
http://www.autotrader.com/cars-for-sale ... 1880&Log=0
by Purelife304
Fri Jun 10, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Maui and what other island?
Replies: 26
Views: 2046

Re: Maui and what other island?

Gemini wrote:Thanks for all the input.To clarify, we are going to Maui for one week and we have ANOTHER additional week free. Doe this change your recs?


I'd do day trips then from Maui if you wanted to go to Oahu and then another to see the volcano. I'd be grateful to have 2 weeks on Maui!
:sharebeer
by Purelife304
Fri Jun 10, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Maui and what other island?
Replies: 26
Views: 2046

Re: Maui and what other island?

Are you dead set on another island? Maui is incredible. The only reason I'd go to another island would be to get see the volcano if we go back. We did go to Oahu for Pearl Harbor which was a must for me. But other than that the island didn't have a lot for me. Maui has so many different environments...
by Purelife304
Thu Apr 28, 2016 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Any PEO's use Vanguard [Professional Employer Organization]
Replies: 3
Views: 520

Re: Any PEO's use Vanguard [Professional Employer Organization]

Good morning

One last check to see if anyone has any insights.

Thank you :sharebeer
by Purelife304
Tue Apr 26, 2016 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Any PEO's use Vanguard [Professional Employer Organization]
Replies: 3
Views: 520

Any PEO's use Vanguard [Professional Employer Organization]

Hello, I'm doing some general research on understanding what exactly a Professional Employer Organization is/does. As I understand they serve as a companies diversification pool / economy of scale to allow small business the HR benefits of being in a large corporation. They seem to offer various ben...
by Purelife304
Tue Apr 05, 2016 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: disney drip
Replies: 7
Views: 1686

Re: disney drip

Wowzers look at those fees!

https://stockplans.broadridge.com/Plan/ ... planId=104

(Full disclosure, I've never looked at a direct purchase stock before so that may be perfectly normal, but there sure seem to be a lot of them)

:sharebeer
by Purelife304
Tue Feb 23, 2016 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Full 20% Down Payment then HELOC to replenish Capital
Replies: 14
Views: 2022

Full 20% Down Payment then HELOC to replenish Capital

Looking for some sane minded BH'ers to let me know if this is a ludicrous idea or not. I'm planning on purchasing a home whenever I can find one that I like. I have enough cash to cover the 20% down, however it would wipe out my entire emergency savings. So because of this I started researching ways...
by Purelife304
Sat Feb 20, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle: Don't Panic About Market Volatility
Replies: 12
Views: 3181

Re: Jack Bogle: Don't Panic About Market Volatility

It strikes me that portfolio volatility is a lot easier to bear when you: Have been on that roller coaster ride four or five times before. Are very young and have a long time before you'll need your investments Have very little invested so volatility doesn't amount to much variance in terms of over...
by Purelife304
Fri Feb 19, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Mortgage Products Using Total Cost Ratio
Replies: 2
Views: 336

Evaluating Mortgage Products Using Total Cost Ratio

Hi everyone, Is there a different (better) way to evaluate multiple mortgage products. I'm finding that many of them have differences that don't give me a lot of confidence that comparing APR's is the way to go (including multiple APRs in the case of some 80/10/10 that I'm looking at). So what I'm d...
by Purelife304
Mon Feb 08, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: $1 More saves $34/month (Jumbo vs Conforming)
Replies: 6
Views: 1359

Re: $1 More saves $34/month (Jumbo vs Conforming)

Mortgage broker here. Jumbos are often a better deal than conforming. It's retail banks that offer those lower rates. They then aggressively market their jumbo customers to bring them over to their asset management/investment programs where the money really is. Jumbo loans are loss leaders for big ...
by Purelife304
Sun Feb 07, 2016 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: $1 More saves $34/month (Jumbo vs Conforming)
Replies: 6
Views: 1359

Re: $1 More saves $34/month (Jumbo vs Conforming)

Sometimes jumbo rates are cheaper than confirming. But it seems to me for most people their budget wouldn't be close enough to the limit for this to matter. Leemiller: Thank you for your time and perspective with your post. However there are many threads on the site referring to jumbo mortgages. I ...
by Purelife304
Sun Feb 07, 2016 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: $1 More saves $34/month (Jumbo vs Conforming)
Replies: 6
Views: 1359

$1 More saves $34/month (Jumbo vs Conforming)

Hi everyone, Hope everyone's New Year is off to a great one! I found the below Fair Rate calculator. I noticed if you search for a Jumbo Loan at $417,000 the monthly about is $1,815 (APR 3.251%). However if you search for the highest conforming loan limit of $416,999 the monthly payment goes up to $...
by Purelife304
Sun Jan 10, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Films or TV with great period sets
Replies: 46
Views: 3913

Re: Films or TV with great period sets

Peaky Blinders
:sharebeer
by Purelife304
Sun Jan 03, 2016 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Can I invest in two 401ks the same year?
Replies: 8
Views: 711

Re: Can I invest in two 401ks the same year?

You can make contributions up to the 18k limit. I did this 2 years ago, first half of the year with one employer, second half with the other. When I left the first employer that is when I rolled that 401k over to Vanguard IRA, and now have my current employers 401k.

:sharebeer
by Purelife304
Sun Jan 03, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: crutches on the beach?
Replies: 13
Views: 2298

Re: crutches on the beach?

They make specialized beach wheelchairs (http://www.beachwheelchair.com/ as just one example).

I've seen iterations of these at resorts, and they seem pretty easy to push, and may make your beach experience a little more enjoyable.

:sharebeer
by Purelife304
Sat Jan 02, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 13105

Re: Savings % Target 2016?

scubadiver wrote:20-25% of gross, not counting employer match to retirement savings.

EDIT: Only on this forum would that put me at the low end of the savings spectrum.


I hear you here. Nothing like the BH community to make me feel like a slacker.
by Purelife304
Fri Jan 01, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to hedge against stock decline
Replies: 19
Views: 1680

Re: How to hedge against stock decline

Can you not sell your shares? I was always under the impression you shouldn't keep any significant amount of your portfolio with the company you work for, as if the company went under, you'd loose your job and your portfolio. Thought keeping the shares just long enough to get the company match is wh...
by Purelife304
Fri Jan 01, 2016 8:05 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 667
Views: 37078

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2,453.73

Rick beat me to the 20%, so I'll pull the Price is Right and bid 1 dollar more.

:sharebeer
by Purelife304
Thu Dec 31, 2015 6:35 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST LEADERS
Replies: 53
Views: 5703

Re: 2015 BOGLEHEAD CONTEST LEADERS

Congrats Victoria! Quick question to see if I am interpreting the data correctly, is it accurate that Victoria won the contest, but pretty much everyone missed by 160 points or more? Very interesting outcome if so. Hi Ramsfan, There are two columns of data. Victoria guessed 2048 and was just off by...
by Purelife304
Tue Dec 29, 2015 6:46 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST LEADERS
Replies: 53
Views: 5703

Re: 2015 BOGLEHEAD CONTEST LEADERS

I'm rooting for BackOfTheNet to win!
:sharebeer
by Purelife304
Tue Dec 29, 2015 6:43 pm
Forum: Personal Consumer Issues
Topic: Help me loosen the purse strings: need an intervention
Replies: 36
Views: 4490

Re: Help me loosen the purse strings: need an intervention

Would there be any way to "rehab" the table? You say it's functional so I'm guessing that means that it stands on its own and isn't being propped up on cinder blocks. Pinterest is full of examples. Maybe that way you can have fun with the experience of doing it, have pride in what you ulti...
by Purelife304
Tue Dec 29, 2015 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer - Re-negotiate offer?
Replies: 25
Views: 2874

Re: Job Offer - Re-negotiate offer?

I had a similar situation last summer, except company A offered to come over top of what company B offered. Could I have worked them and gotten more...absolutely without a doubt. Did I? Absolutely not. For a few reasons. 1) I'm a man of my word. I made a commitment, and I stick to it. I couldn't sle...
by Purelife304
Mon Dec 28, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: How does 0% CC Debt impact Mortgage
Replies: 12
Views: 1828

Re: How does 0% CC Debt impact Mortgage

Thank you everyone for your insight! I think what I was having a hard time with was what factor is used in the ratio, and it appears that is the Minimum Monthly Payment. Obviously I pay much more than that to ensure the balance is 0 before the promo APR expires, but that's what the banks will use. E...