Search found 6919 matches

by Nate79
Mon Apr 19, 2021 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Allure of a HSA?
Replies: 20
Views: 1431

Re: Allure of a HSA?

By government job I'm assuming your a Federal GS employee? If so then yes your plan is going to be better than the vast majority of private plans available plus you can look at the FSA account for healthcare. We use my wife's federal family plan solely now. Sprint had a pretty good HDHP HSA that I ...
by Nate79
Mon Apr 19, 2021 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Which is more forward-looking? Solar panels or Roth investment?
Replies: 35
Views: 2140

Re: Maybe I could do both

OR I could fully fund our Roth IRAs for 2020 AND get the solar array installed if I took out a home equity loan from my credit union for part of the cost.... One proposal is a 9.2 KW system for $26,675, that is $17,072 after federal and state tax incentives, which would cover at least 80% of our el...
by Nate79
Mon Apr 19, 2021 11:41 am
Forum: Personal Finance (Not Investing)
Topic: How do you calculate money needed in retirement when still 15+ years away?
Replies: 20
Views: 1812

Re: How do you calculate money needed in retirement when still 15+ years away?

It seems that if you have a detailed budget for your current spending, as you say you have, you should be able to then project each category for how you think they will change in retirement vs now. For example, maybe your mortgage payment goes away because you plan to have the house paid off. But ma...
by Nate79
Sun Apr 18, 2021 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Would a Shift to Primarily WFH Affect Promotion Opportunity?
Replies: 32
Views: 1999

Re: Would a Shift to Primarily WFH Affect Promotion Opportunity?

Yes, the risk of missing advancement is much much high by WFH. This was the situation I was in. WFH for 8 years and I had to work extremely hard to maintain my contacts and work upward. 2 years ago I moved back to an office job, mostly thru a job shift to managerial role. What you are proposing is h...
by Nate79
Sat Apr 17, 2021 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: I want to buy cash with my credit card. Will the IRS allow this adventure of mine?
Replies: 41
Views: 4483

Re: I want to buy cash with my credit card. Will the IRS allow this adventure of mine?

Isn't there a fee to use these payment sites? If so it is effectively not interest free and if the time of this "loan" is short the effective APY could be huge.
by Nate79
Sat Apr 17, 2021 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Selling a new house with a defective roof - how to proceed?
Replies: 16
Views: 1168

Re: Selling a new house with a defective roof - how to proceed?

Seems like filing an insurance claiming knowing full well that it is false would be insurance fraud.

Why not report back to the buyer with the truth, that a claim needs to be made against the shingle warranty and ask how they want to proceed?
by Nate79
Fri Apr 16, 2021 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: What Does College Tuition Really Cost?
Replies: 83
Views: 6241

Re: What Does College Tuition Really Cost?

Rich families don't get need based aid. Because they (should) have enough money to pay.
by Nate79
Thu Apr 15, 2021 1:48 pm
Forum: Personal Investments
Topic: Same employer, 3 different 401k
Replies: 4
Views: 479

Re: Same employer, 3 different 401k

Hi all! My mother works for a county school system (still works there, not retired, not separated from that job). Over the last 5 years they have had 3 403b retirement account providers (Voya and TIAA, now with Lincoln Financial). I am trying to consolidate these accounts into one if I can. She als...
by Nate79
Wed Apr 14, 2021 8:33 pm
Forum: Personal Consumer Issues
Topic: Lawn care question
Replies: 38
Views: 2679

Re: Lawn care question

Mesotrione is your friend until your grass is established. Most folks cut grass too short. Grass height should adjust with temperatures to maintain pressure on weeds . Once established, grass is pretty easy to maintain. Can you provide more detail on the bolded part? That's an interesting statement...
by Nate79
Wed Apr 14, 2021 8:24 pm
Forum: Personal Consumer Issues
Topic: Lawn care question
Replies: 38
Views: 2679

Re: Lawn care question

This year, on the recommendation of a close friend and lawn care nut I'm trying the herbicide Tenacity along with a surfactant as both a preemergent crabgrass and existing weed killer. I hate having to worry about weeds but if you let them get to bad the amount of work to get your lawn back to good ...
by Nate79
Wed Apr 14, 2021 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 350
Views: 24214

Re: "Nobody's ever regretted paying off the mortgage."

It should not be regretted, especially in these days of low interest rates on fixed income. Making extra payments towards a mortgage is equivalent to an after tax risk free return of the interest rate of the mortgage. This likely beats the return of bonds these days so paying extra on a mortgage is ...
by Nate79
Wed Apr 14, 2021 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a Time Share
Replies: 40
Views: 3528

Re: Selling a Time Share

It's amazing to me that they can even sell new timeshares anymore when people are clamoring to give them away for free. "It sells for $1 on ebay" isn't likely to be a great sales pitch during these high pressure sales pitch their suckers/customers sit thru to get a free show/gift card/fre...
by Nate79
Wed Apr 14, 2021 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a Time Share
Replies: 40
Views: 3528

Re: Selling a Time Share

familythriftmd wrote: Wed Apr 14, 2021 3:43 pm What if you just stop paying? I'm genuinely curious. Guess it depends on the contract, right?
It goes to collections just like any other debt.
by Nate79
Wed Apr 14, 2021 7:53 am
Forum: Personal Investments
Topic: ETFs / mutual funds for crypto currency?
Replies: 5
Views: 510

Re: ETFs / mutual funds for crypto currency?

There is another thread also on this topic:

viewtopic.php?f=1&t=345898
by Nate79
Tue Apr 13, 2021 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage application denied due to large 401k contribution?s
Replies: 27
Views: 2201

Re: Mortgage application denied due to large 401k contribution?s

Sounds like you are buying a house you can't afford with your current income regardless of retirement contributions and HSA.
by Nate79
Tue Apr 13, 2021 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a Time Share
Replies: 40
Views: 3528

Re: Selling a Time Share

At best you list it for $1 on ebay or another site and pray. At worst you pay a company to get you out of the timeshare. There is no such thing as surrendering.
by Nate79
Tue Apr 13, 2021 7:36 am
Forum: Personal Consumer Issues
Topic: Oral surgeon said we were legally required to give SS#, then they got hacked
Replies: 53
Views: 5930

Re: Oral surgeon said we were legally required to give SS#, then they got hacked

Look on the bright side. With so many hacks in the recent few years all that information was probably already out there in the wild anyways. :twisted:
by Nate79
Mon Apr 12, 2021 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for passing your Digital Assets upon your death?
Replies: 30
Views: 1817

Re: Strategy for passing your Digital Assets upon your death?

I thought this was going to be a Bitcoin thread.
by Nate79
Sun Apr 11, 2021 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA and Pro-rata Rule
Replies: 13
Views: 672

Re: Backdoor Roth IRA and Pro-rata Rule

It's not clear if you have an actual business or just a hobby.
by Nate79
Sun Apr 11, 2021 1:47 pm
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5940

Re: Best 4 wheel drive vehicle

We love our Jeep Cherokee Trailhawk.
by Nate79
Fri Apr 09, 2021 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws' HOA demanding $8000 lumpsum payment
Replies: 91
Views: 10540

Re: In-Laws' HOA demanding $8000 lumpsum payment

Did they actually buy owners title insurance?
by Nate79
Fri Apr 09, 2021 4:49 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 54
Views: 3355

Re: Travel Trailer vs My Pickup Truck: Specs?

I did almost exactly this a few years ago. Same truck and similar trailer. Want to know how many trips it will take to upsize your truck or dump the trailer?

2.
by Nate79
Thu Apr 08, 2021 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance + long term care rider bundle?
Replies: 13
Views: 796

Re: Life insurance + long term care rider bundle?

This is Whole life, not long term care insurance. And you know how to know a permanent life insurance salesman is lying? Their lips are moving.....

Obligatory warning:
viewtopic.php?f=2&t=57154
by Nate79
Wed Apr 07, 2021 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Tax bill split between spouses
Replies: 81
Views: 4279

Re: Tax bill split between spouses

This is a bit controversial. My spouse and I keep our financial accounts separate. We agreed to keep things separate so we both have practice maintaining our own finances and investments. We are open about money discussions, and we co-own all large assets. Our income ratio is 4:1 ( me:her), so for ...
by Nate79
Wed Apr 07, 2021 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Premium Financed Indexed Universal Life - Have my doubts
Replies: 8
Views: 614

Re: Premium Financed Indexed Universal Life - Have my doubts

Have you searched on here to see the general opinion on such products? (Hint: tons of threads on this TRASH product) Sounds like you have an insurance salesman getting ready to make a big boat purchase. I did - only found two: https://www.bogleheads.org/forum/viewtopic.php?t=255708 and https://www....
by Nate79
Tue Apr 06, 2021 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Premium Financed Indexed Universal Life - Have my doubts
Replies: 8
Views: 614

Re: Premium Financed Indexed Universal Life - Have my doubts

Have you searched on here to see the general opinion on such products? (Hint: tons of threads on this TRASH product)

Sounds like you have an insurance salesman getting ready to make a big boat purchase.
by Nate79
Tue Apr 06, 2021 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Loan Depot Refinance- $10,000 gone poof!!!
Replies: 25
Views: 6055

Re: Loan Depot Refinance- $10,000 gone poof!!!

Glad to see this got fixed finally. This is a warning that when you do a refi and your loan may be in transition between two servicers to leave it alone and just make regular payments until everything is setup properly.
by Nate79
Mon Apr 05, 2021 9:46 pm
Forum: Personal Consumer Issues
Topic: No foreign fee, reimburse atm fee cards besides Schwab?
Replies: 33
Views: 2065

Re: No foreign fee, reimburse atm fee cards besides Schwab?

I would not use a debit card for purchases overseas (or domestic for that matter). Just use credit cards (and there are plenty of no international fee credit cards). Just use the no fee debit cards for cash out of ATMs (Schwab, Fidelity, etc).
by Nate79
Fri Apr 02, 2021 10:08 pm
Forum: Personal Investments
Topic: Fundrise Review?
Replies: 11
Views: 1271

Re: Fundrise Review?

Has anyone on here used Fundrise? I’m wondering what the recipe for success is? Based on their website/fees it looks like “time in” is the key to not losing out on ROI. Aside from that, it seems like a good way to diversify your investments, but wanted to hear “love”/“hate” stories before I took th...
by Nate79
Fri Apr 02, 2021 8:55 pm
Forum: Investing - Theory, News & General
Topic: nextdoor referral for "financial advisor" makes sad Boglehead
Replies: 39
Views: 4480

Re: nextdoor referral for "financial advisor" makes sad Boglehead

Who is this fiduciary advisor you speak of and where are their offices in your city/neighborhood?
by Nate79
Thu Apr 01, 2021 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Which is more forward-looking? Solar panels or Roth investment?
Replies: 35
Views: 2140

Re: Which is more forward-looking? Solar panels or Roth investment?

The return on our solar system will handily beat our Roth investments. But without that estimate it's hard to say which is a better decision.
by Nate79
Tue Mar 30, 2021 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Online purchase damaged during shipment - PayPal or credit card dispute?
Replies: 12
Views: 747

Re: Online purchase damaged during shipment - PayPal or credit card dispute?

What is the company policy for damage or returns that you agreed to at the time of purchase? What was the insurance policy on the shipment?
by Nate79
Tue Mar 30, 2021 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Received Stimulus Check - Not Eligible, Free Lunch?
Replies: 17
Views: 1996

Re: Received Stimulus Check - Not Eligible, Free Lunch?

You will not have to pay it back. Yes, it is a free lunch.
by Nate79
Tue Mar 30, 2021 3:31 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 178
Views: 15381

Re: People with Covid-19 vaccination record cards: where are you keeping them?

Not sure why they don't just include this as a feature in the mobile passport app in some form or another.
by Nate79
Tue Mar 30, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: Which Subaru would you recommend for my mom (mid 70s)?
Replies: 31
Views: 1990

Re: Which Subaru would you recommend for my mom (mid 70s)?

I would have her sit in each and see which she likes best. Which she can see out of, get in and out of, etc. Our preference was the Forester which has excellent visibility but we moved up to an Ascent which we love.
by Nate79
Mon Mar 29, 2021 9:20 pm
Forum: Investing - Theory, News & General
Topic: Market crashes. Who causes them?
Replies: 42
Views: 3789

Re: Market crashes. Who causes them?

Remember, for every seller there is a buyer.
by Nate79
Sat Mar 27, 2021 4:35 pm
Forum: Personal Investments
Topic: Should I save for college in 529 plan or taxable account?
Replies: 20
Views: 1369

Re: Should I save for college in 529 plan or taxable account?

If your state gives a tax deduction for 529 contributions that's another very nice benefit.
by Nate79
Thu Mar 25, 2021 10:20 pm
Forum: Personal Consumer Issues
Topic: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?
Replies: 34
Views: 3015

Re: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?

The only other company that might be close is GM. Many of their cars can do over thr air updates and Cadillac is the most extensive OTA update capability for GM including almost all main modules including updated to their driver assist features. But I doubt it will go as far as you are expecting.
by Nate79
Thu Mar 25, 2021 5:43 pm
Forum: Investing - Theory, News & General
Topic: Index Fund Comparison
Replies: 7
Views: 860

Re: Index Fund Comparison

I think I'm missing something. What's the point of this thread?
by Nate79
Tue Mar 23, 2021 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 440
Views: 55548

Re: Tales from this insane real estate market

All the talk about significant offers above asking price makes me wonder why the houses are being mispriced from the beginning with the listing.
by Nate79
Tue Mar 23, 2021 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: What is an average retirement a/c worth in America ?
Replies: 228
Views: 22396

Re: What is an average retirement a/c worth in America ?

Some of the most popular posts here are full of outliers and should not be used to assess the average, median or mode of family finances. I take it as quite a few "humble bragging" about their $350k silicon valley salaries with $200k RSUs and buying $2million homes with $1.5 million netwo...
by Nate79
Tue Mar 23, 2021 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: 529 affect on FAFSA?
Replies: 50
Views: 3319

Re: 529 affect on FAFSA?

In the end, for the OP, if you aren't going to save in a 529 but what are you going to do with the money instead? Its one thing if you aren't maxing out retirement accounts but if you are just going to save in a taxable account then the effect is basically the same as a 529 for need based aid as far...
by Nate79
Mon Mar 22, 2021 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: 529 affect on FAFSA?
Replies: 50
Views: 3319

Re: 529 affect on FAFSA?

My wife and I are trying to decide if we should invest in 529 accounts for our kids education. I've been perusing old threads on that topic but haven't seen this exact question. According to a Forbes article I just read: " In general, on the FAFSA form, a 529 plan owed by the custodial parent(...
by Nate79
Mon Mar 22, 2021 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone kept their Amex Platinum or Sapphire Reserve during COVID?
Replies: 67
Views: 5026

Re: Anyone kept their Amex Platinum or Sapphire Reserve during COVID?

Just used my Amex Platinum to book some post-vaccine travel later this year and I stumbled upon this discount: https://thepointsguy.com/news/amex-domestic-discount/ In my case, it's a ~$120 savings on a pair of round trip tickets on American Airlines. 2021 Amex Platinum credits/discounts: $180 - 6 ...
by Nate79
Mon Mar 22, 2021 1:48 pm
Forum: Personal Consumer Issues
Topic: Solar Cost Estimate
Replies: 19
Views: 1288

Re: Solar Cost Estimate

We live in somewhat Northern part of Delaware and installed Solar in mid 2019. We got quotes from 3 companies and chose a 9.1kW (28 panels, 325W) for an upfront cost of $20k and then after rebates from Fed and utility the cost was $11k (so $2.2/w before incentives). Our installer was great. Final pa...
by Nate79
Sun Mar 21, 2021 5:45 pm
Forum: Investing - Theory, News & General
Topic: rebalance taxable -> large tax bill?
Replies: 29
Views: 2911

Re: rebalance taxable -> large tax bill?

thanks for all the replies! I find it odd how posters posit my gain won't be $500k. not sure what to say except that I analyzed my tax lots prior to the OP. I've talked it over with my wife and I think we'll optimize the gain this year based on our estimated tax bracket. I am a little concerned abo...
by Nate79
Fri Mar 19, 2021 9:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Institutional Total Stock Market Index Fund Institutional Plus Shares (VITPX) VS VTSAX
Replies: 6
Views: 592

Re: Vanguard Institutional Total Stock Market Index Fund Institutional Plus Shares (VITPX) VS VTSAX

Zillions wrote: Fri Mar 19, 2021 9:17 pm Now, I'm even more confused. If I also wanted exposure to mid caps and small caps (ALL STOCKS traded within the US), would that not be possible if I only invested in VITPX?
Yes, VITPX is a total stock market fund. It has large, mid and small cap stocks, >3000 in fact.
by Nate79
Fri Mar 19, 2021 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone kept their Amex Platinum or Sapphire Reserve during COVID?
Replies: 67
Views: 5026

Re: Anyone kept their Amex Platinum or Sapphire Reserve during COVID?

The Amex annual fee is strongly rumored to soon be going up, up up to anywhere from $695-795. Wow. Strongly rumored? Is there more than the FT thread started by a brand new poster a few days ago? https://www.flyertalk.com/forum/american-express-membership-rewards/2036041-rumor-usa-personal-plat-ann...