Search found 337 matches

by ebrasmus21
Fri Jan 15, 2021 10:42 pm
Forum: Personal Consumer Issues
Topic: going from plasma TV to non-plasma TV experience
Replies: 19
Views: 1483

Re: going from plasma TV to non-plasma TV experience

Didn’t realize plasma TVs were still a thing. OP, you aren’t Michael Scott are you?
by ebrasmus21
Thu Dec 31, 2020 11:28 pm
Forum: Personal Consumer Issues
Topic: Feral hog trap suggestion?
Replies: 18
Views: 1878

Re: Feral hog trap suggestion?

Buy a .243 or a .270. my first though although I was thinking .45-70 or .308 ------------------------------------------ .45-70 — I like your style. That’ll take care of some pigs. When I was a boy I went deer hunting with my classmate (best friend) and I did indeed shoot two whitetail (one buck one...
by ebrasmus21
Thu Dec 31, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Feral hog trap suggestion?
Replies: 18
Views: 1878

Re: Feral hog trap suggestion?

Buy a .243 or a .270. Here in Missouri there are radio ads from the conservation department saying specifically not to shot them. It breaks up their group (sounder) and makes them harder to find and trap. We're supposed to call the department and tell them the location. This conservation department...
by ebrasmus21
Wed Dec 30, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: Feral hog trap suggestion?
Replies: 18
Views: 1878

Re: Feral hog trap suggestion?

Buy a .243 or a .270. Given the current prices on firearms (if you can get them) and ammo (if you can get it) - might be less expensive to buy a pigbrig. I'm joking, but not by much. It's crazy. At least where I live non-defensive, hunting calibers are easier to come by. I went to a local retailer ...
by ebrasmus21
Sun Dec 27, 2020 11:05 pm
Forum: Personal Consumer Issues
Topic: Feral hog trap suggestion?
Replies: 18
Views: 1878

Re: Feral hog trap suggestion?

Buy a .243 or a .270.
by ebrasmus21
Thu Mar 26, 2020 7:06 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200144

Re: Bogleheads community discussion - Coronavirus

Another interesting read:https://threader.app/thread/1243133211011690499 The number of deaths are no longer expected to be around 500K in the UK. They are now expecting less than 20,000 which is less than the annual flu deaths. :shock: Fortunately for my blood pressure, other posters have alreay po...
by ebrasmus21
Wed Mar 25, 2020 5:47 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200144

Re: Bogleheads community discussion - Coronavirus

Nobody has addressed why we should be heading to a major recession or depression, even with the virus and quarantines, if we are coming off what was supposedly the "best economy ever". We supposedly had historically low employment rates, valuations were completely detached from reality, a...
by ebrasmus21
Tue Mar 24, 2020 9:23 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200144

Re: Bogleheads community discussion - Coronavirus

I lost all hope this weekend when i saw californians out on street, everywhere, acting like there is no virus. Believe me guys, i wanted to believe that we will survive this, but this complete disregard by general public is sad to see. At this point, there is no reason to shut down businesses, its ...
by ebrasmus21
Fri Mar 20, 2020 2:38 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200144

Re: Bogleheads community discussion - Coronavirus

In December I was sick as hell. I was sick for weeks, missed several days of work and seemed to take forever to fully recover. I know many others in my area that had a rough cold/flu season this winter. I wonder if the virus was already here back in December and we just didn’t know it. Is it possib...
by ebrasmus21
Fri Mar 20, 2020 12:46 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200144

Re: Bogleheads community discussion - Coronavirus

In December I was sick as hell. I was sick for weeks, missed several days of work and seemed to take forever to fully recover. I know many others in my area that had a rough cold/flu season this winter. I wonder if the virus was already here back in December and we just didn’t know it.
by ebrasmus21
Wed Mar 18, 2020 2:19 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 56947

Re: How Is Your Job Being Impacted By The Current Crisis?

Any insurance professionals out there? What’s your sense of the stability of the insurance industry right now?
by ebrasmus21
Wed Mar 18, 2020 10:10 am
Forum: Investing - Theory, News & General
Topic: End of corporate stock buybacks??
Replies: 75
Views: 4661

Re: End of corporate stock buybacks??

I've been reading a few articles recently where it looks like there is going to be real pressure put on companies receiving any sort of bailout. Does anybody think that this time will be different and that future corporate buybacks will be seriously curtailed (or prohibited) and what does that mean...
by ebrasmus21
Mon Mar 16, 2020 9:27 am
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 27201

Re: Who is staying course and how are you dealing with net worth going down?

Don’t really give a [expletive deleted by moderator oldcomputerguy] about my net worth at the moment. Just hoping the wife and I stay fully employed
by ebrasmus21
Sun Mar 15, 2020 7:24 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20982

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

We're about to find out what happens when our government is unable to save a tanking economy. We already found this out in 2008. Actually, QE and lowered interest rates helped bring the economy back in 2008. It worked because of what caused the 2008 recession in the first place. I think this is a b...
by ebrasmus21
Tue Feb 25, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: ARM Designation
Replies: 6
Views: 485

Re: ARM Designation

I have the ARM designation, though technically the ARM-E which required an ERM exam in addition to the three ARM exams. My understanding is that The Institutes has revised the program starting this year and no longer offers the ARM-E and instead incorporates ERM content throughout the three ARM cou...
by ebrasmus21
Tue Feb 25, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: ARM Designation
Replies: 6
Views: 485

Re: ARM Designation

I did it a few years back. It was easier than the CPCU. Remember the institutes does multiple choice testing, so you just need to know concepts. If you’re on reddit, request membership to r/insurancepros. There are a lot more of us with knowledge of the industry there. r/insurancepros — how do I jo...
by ebrasmus21
Tue Feb 25, 2020 9:21 am
Forum: Personal Consumer Issues
Topic: ARM Designation
Replies: 6
Views: 485

ARM Designation

Any risk management or insurance professionals out there that have recently completed the ARM - how was it? I’m in self-study right now for ARM 54 and I’m kind of getting concerned. Statistics and finance equations are not my strong suit so I’m not sure how to effectively study for this exam. To tho...
by ebrasmus21
Thu Jan 30, 2020 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: 1099r [Transfer 401(k) to traditional IRA]
Replies: 12
Views: 494

Re: 1099r [Transfer 401(k) to traditional IRA]

sailaway wrote: Thu Jan 30, 2020 10:58 pm When the check is made out to the new institution, it is considered a "direct rollover" and it is not subject to the 60 day rule. I would still take care of this as soon as possible, if it were me.
Agreed. I feel pretty foolish
by ebrasmus21
Thu Jan 30, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: 1099r [Transfer 401(k) to traditional IRA]
Replies: 12
Views: 494

Re: 1099r [Transfer 401(k) to traditional IRA]

Deposit it now. Report it as a rollover. I am taking from your response that this is not made out to you. You would not be able to cash this by depositing it in your local checking account, for instance. The 60 day time frame does not apply when the check is made out to your IRA institution FBO Ebr...
by ebrasmus21
Thu Jan 30, 2020 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: 1099r [Transfer 401(k) to traditional IRA]
Replies: 12
Views: 494

Re: 1099r

In the pay to the order of field, what does it say? Is it to your broker FBO you, or is it payable to you? Also, is it a large amount (to you)? Pay: Vanguard Fiduciary Trust Good news. I assume your IRA is with Vanguard? Then you may still put this is the IRA even though 60 days have passed. What i...
by ebrasmus21
Thu Jan 30, 2020 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: 1099r [Transfer 401(k) to traditional IRA]
Replies: 12
Views: 494

Re: 1099r

whodidntante wrote: Thu Jan 30, 2020 9:27 pm In the pay to the order of field, what does it say? Is it to your broker FBO you, or is it payable to you? Also, is it a large amount (to you)?
Pay: Vanguard Fiduciary Trust
by ebrasmus21
Thu Jan 30, 2020 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much homeowners coverage?
Replies: 2
Views: 422

Re: How much homeowners coverage?

Might be helpful to seek the help of an independent insurance agency to seek their advice on how to appropriately cover your home.
by ebrasmus21
Thu Jan 30, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: 1099r [Transfer 401(k) to traditional IRA]
Replies: 12
Views: 494

Re: 1099r

There are many requirements to make a valid rollover contribution including the 60-day requirement. Assuming other requirements are satisfied, you have 60 days from the date you receive a distribution from an IRA or retirement plan to roll it over to another plan or IRA. If you don’t roll over your...
by ebrasmus21
Thu Jan 30, 2020 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: 1099r [Transfer 401(k) to traditional IRA]
Replies: 12
Views: 494

1099r [Transfer 401(k) to traditional IRA]

Got a new job in 2019 and subsequently went to transfer my old 401k into my personal Tira. Didn’t actually transfer the monies during calendar year 2019 as I am still in possession of my 401k check. Just got a 1099r form in the mail.

Did I miss the boat to transfer the monies tax free?
by ebrasmus21
Mon Jan 20, 2020 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance for house that has increased in value significantly
Replies: 10
Views: 941

Re: Home Insurance for house that has increased in value significantly

Go to a respected independent agent in your geography and ask for help in assessing the replacement cost of your home.
by ebrasmus21
Fri Jan 10, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Policy Increased by 26.8%!!
Replies: 27
Views: 2480

Re: Home Insurance Policy Increased by 26.8%!!

I "shop" my insurance every year. I scan all my declaration sheets, home info, etc. and put them info one PDF file. I then email it to several local independent insurance agents for quotes. It's a bit of a hassle but will save you lots of cash. Insurance companies are counting on you bein...
by ebrasmus21
Thu Jan 09, 2020 7:04 pm
Forum: Investing - Theory, News & General
Topic: What do you guys think about a career in insurance sales?
Replies: 80
Views: 5929

Re: What do you guys think about a career in insurance sales?

If you’re successful $200k/year is completely realistic. Many producers earn much more. Many more than that fail and wash out. OP was considering a position with Liberty National Life, which is a low-end company that sells small dollar policies, burial insurance, and probably Medicare Supplement. I...
by ebrasmus21
Thu Jan 09, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Policy Increased by 26.8%!!
Replies: 27
Views: 2480

Re: Home Insurance Policy Increased by 26.8%!!

The property and liability markets for both commercial and personal insurance are seeing rate increases across the board. The amount of your increase is substantial so I don’t blame you for being shocked. It isn’t because you necessarily did anything wrong - pricing for the entire industry is going ...
by ebrasmus21
Thu Jan 09, 2020 12:33 pm
Forum: Investing - Theory, News & General
Topic: What do you guys think about a career in insurance sales?
Replies: 80
Views: 5929

Re: What do you guys think about a career in insurance sales?

So much misinformation/fear mongering in this thread, OP. This is truly an example of “one bad apple spoils it for the rest” For every example of “shady clients” and “shady brokers” doing unethical things I could provide 20 examples of ethical, professional and respected insurance brokers from those...
by ebrasmus21
Tue Jan 07, 2020 1:09 pm
Forum: Investing - Theory, News & General
Topic: What do you guys think about a career in insurance sales?
Replies: 80
Views: 5929

Re: What do you guys think about a career in insurance sales?

OP - Make sure you understand that the tone of some of these posts come across as smearing an entire industry. While I wouldn’t recommend becoming a seller of life insurance I would recommend commercial P&C sales. Insurance is a large industry and not all segments are created equally. Some of th...
by ebrasmus21
Tue Jun 04, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

Wanted to provide an update. Got offers from both companies - sort of.

Company A gave me a written offer outright.
Company B gave me a contingent written offer based on getting the blessing of my current boss.

For several reasons it appears that I'll be accepting offer A.
by ebrasmus21
Sat Jun 01, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: 4 Day plan to LA..Suggestions
Replies: 22
Views: 1258

Re: 4 Day plan to LA..Suggestions

Day 1 - Universal Studio Day 2 - Disneyland Day 3 - Hollywood Walk of fame/Hollywood sign Whatever you end up doing, look at a map and don’t plan to drive back and forth like this. LA traffic is not your friend. OP - don’t neglect this post. It is well within the realm of possibility that driving f...
by ebrasmus21
Sat Jun 01, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: 4 Day plan to LA..Suggestions
Replies: 22
Views: 1258

Re: 4 Day plan to LA..Suggestions

As many others have suggested I’ll cast another vote to abandon Hollywood. If you do decide to go be prepared for disappointment. How about Huntington Library https://www.huntington.org over in San Marino (next to Pasadena). If you or the kids are into history, fine art and gardens then it would be ...
by ebrasmus21
Fri May 31, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

What level are you at? Unless you are at a CXO level, you are overthinking this. The harsh truth is that people are expendable - you will be replaced at your current company and life goes on. I'm not C-Suite... so to a degree I am over thinking this. However, I know how petty my boss is and because...
by ebrasmus21
Fri May 31, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

What level are you at? Unless you are at a CXO level, you are overthinking this. The harsh truth is that people are expendable - you will be replaced at your current company and life goes on. I'm not C-Suite... so to a degree I am over thinking this. However, I know how petty my boss is and because...
by ebrasmus21
Fri May 31, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

A lot of the responses refer to the would-be hiring company as a client, but I think the original post indicated it was as supplier ... most company's losing a staff member would generally be more OK with staff going to a client than a supplier... I have been in the position of transitioning to a s...
by ebrasmus21
Fri May 31, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

I work in a completely different field (law), but in my field employers typically like it when an employee leaves for a client. Yeah, the employer loses out on its employee, but it also deepens the symbiotic relationship it has with the client. So your company may prefer for you to stay, but the ne...
by ebrasmus21
Fri May 31, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

If you get an offer, you should let the other company know of your decision-making timeline, but don't necessarily need to tell them who else has made the offer. At my firm, we routinely have candidates who let us know that they received an offer and need to decide by xxx, and that we need to make ...
by ebrasmus21
Thu May 30, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

Currently interviewing with two companies. Two competing companies. If I get a job offer from one before the other should I inform company 2 of the situation?

Neither company I’m interviewing with has asked if I’m interviewing with other firms.
by ebrasmus21
Wed May 29, 2019 2:29 pm
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 120
Views: 15422

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

I too am a fan of Target Date Funds. Not perfect but vastly superior to what most people would come up with on their own. If you have a 401(k) and don't know what to do, the Target Date Fund with the date closest to your projected retirement date isn't a bad choice. The Vanguard, Fidelity, and T. R...
by ebrasmus21
Tue May 28, 2019 3:49 pm
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 120
Views: 15422

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

I too am a fan of Target Date Funds. Not perfect but vastly superior to what most people would come up with on their own. If you have a 401(k) and don't know what to do, the Target Date Fund with the date closest to your projected retirement date isn't a bad choice. The Vanguard, Fidelity, and T. R...
by ebrasmus21
Fri May 10, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

Just tell your current employer you were made a very good offer and it happens to be a client so you wanted to get their blessing. If you focus on the money, people understand leaving for more money. Worst that can happen, you start a bidding war ! More likely your current employer will be disappoi...
by ebrasmus21
Fri May 10, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

IMO the success of your move is based on whether (1) moving to a client is acceptable practice in your company, (2) the client has an agreement with your current company that prohibits poaching, or (3) you have an employment agreement that bars such a move. Moving to a client is common in the consu...
by ebrasmus21
Fri May 10, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

I've done this several times in tech, working as a design engineer, then going to a supplier, then going to another customer of the supplier, then to another supplier, then to a customer...... In your shoes, what I've seen every time is that the company I'm leaving is somewhat happy for me to go to...
by ebrasmus21
Fri May 10, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

Thank you to everyone for the feedback. Different perspectives can be quite helpful!
by ebrasmus21
Thu May 09, 2019 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

The prospective company wants to make sure we have an professional, respectful exit strategy in order to avoid harming the relationship (they want continued business to flow their way) if they hire me. This is your focus. You need to convince your future company that you will leave on good terms. N...
by ebrasmus21
Thu May 09, 2019 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

I did this, and it turned out great. It was hard to tell my original employer that I was leaving for the client becauseI had a great relationship with them. Ultimately, unless there is a contractual agreement between employer and the client prohibiting your move, likely the relationship is more imp...
by ebrasmus21
Thu May 09, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

This is not an uncommon occurrence at all in places like the consulting world (eg, KPMG, EY, Deloitte, Accenture,....). Granted, that is a huge market, and yours may be much smaller and intimate. Are there things about the position you are shooting for that your current job does not provide? To be ...
by ebrasmus21
Thu May 09, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3485

Re: Leaving Employer to Work for Current Client?

Is the new job in the same city, or do you have to relocate? If you have to relocate for the job, you can always just lie and say that you need to relocate to the new city for other reasons (family, lifestyle, spouse, or whatever), and since you are moving anyway, it would be a great fit to work at...