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Re: Paying for a date

Quite heterosexually oriented options. It's a fair comment. Which options would you suggest adding to cover all cases of homosexual couples? Victoria Actually, this would be really insightful as it would tend to negate the role of gender expectations and all of the socialization that goes along wit...
by BerkeleyChris
Mon May 19, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3189

Re: paydown strategy for mortgage

Go for it. I am 35 now and paid off my mortgage several years ago, very aggressively, like you are doing. I have no regrets. Having no debt is priceless.
by BerkeleyChris
Sat Apr 19, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: paydown strategy for mortgage
Replies: 40
Views: 3837

Hyundai Equus vs Lexus LS460

Do any Bogleheads have hands-on experience in comparing the Hyundai Equus vs Lexus LS460? I would be especially interested to hear from those who have tried both, and picked one of these cars in the past couple of years. Thanks.
by BerkeleyChris
Sat Apr 19, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Hyundai Equus vs Lexus LS460
Replies: 2
Views: 559

Re: How did you get through the market crash in 08-09

i viewed it as a buying opportunity. everything was on sale and I bought as much as i could. and, when thinking about what i had that I "lost" in the crash, i thought about having another ~40 years to bounce back...
by BerkeleyChris
Sun Mar 09, 2014 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5856

Re: how to lower cost of automatic investment

a few years ago, i stopped new purchases of funds through my discount broker and opened an account directly at vanguard. A direct deposit (this a variable amount from my paycheck, everything after a fixed amount that goes to my checking for a monthly household budget) goes to mutual funds at vanguar...
by BerkeleyChris
Sun Dec 29, 2013 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: how to lower cost of automatic investment
Replies: 11
Views: 580

Re: Tips for a One-Way U-Haul Move

an alternative would be to get a quote from a company like this http://www.upack.com/ the way it works is they drop off an empty semi trailer in front of location A, and you pack it and they come back the next day. You only pay for the linear feet from the back of the trailer to where your stuff sto...
by BerkeleyChris
Sun Dec 22, 2013 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Tips for a One-Way U-Haul Move
Replies: 39
Views: 2119

Re: New car every 5 years vs 10

I am fighting new car fever as well and am thinking about how much it would really save me to delay replacing my car. I came across this paper, Automotive Life Cycle Economics and Replacement Intervals , a few days ago: http://www.sae.org/events/green/reference/2010/Center%20for%20Sustainable%20Auto...
by BerkeleyChris
Sun Dec 22, 2013 11:43 am
 
Forum: Personal Consumer Issues
Topic: New car every 5 years vs 10
Replies: 81
Views: 6474

Re: Poll: How much will you spend on Christmas gifts?

gifts to people, probably zero.

lunches, and dinners, and happy hours with family and friends from high school when i go home, probably upwards of $1500.

holiday lunch with my assistant, $107

holiday cards and postage, about $300

charitable giving, $500
by BerkeleyChris
Sat Dec 14, 2013 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Poll: How much will you spend on Christmas gifts?
Replies: 34
Views: 1443

Re: 23 year old maxing out tax advantaged accounts...now wha

I think you are doing really great. In my opinion, the best thing you can do right now is make financial choices that increase your comfort/ability to take smart, calculated career risks. That might mean building up some more savings so you can move out and take a job in a different geographical loc...
by BerkeleyChris
Tue Oct 29, 2013 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 year old maxing out tax advantaged accounts...now what?
Replies: 61
Views: 5637

Re: My brokerage house switched me to a different adviser

this sounds like a really great opportunity to move your money to vanguard and dump your current company without remorse...
by BerkeleyChris
Sat Aug 17, 2013 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: My brokerage house switched me to a different adviser
Replies: 18
Views: 1509

Re: objective data on quietest cars?

letsgobobby wrote:I found an online database once by googling. If I find it I'll link to it.

You should have no problem finding a quiet car. Quiet and good value/affordable is a different story.

Edit: here's the link.

http://www.auto-decibel-db.com/



wow! thank you very much!

-Chris
by BerkeleyChris
Wed Aug 14, 2013 10:14 am
 
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 13
Views: 1655

objective data on quietest cars?

Hi, I am looking for an objective source that has current data on road noise for cars, probably as measured by the decibel level at a certain speed. After much googling, I can find anecdotal information and a few readings for older model years, but nothing comprehensive and current. Does anybody hav...
by BerkeleyChris
Tue Aug 13, 2013 9:12 pm
 
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 13
Views: 1655

Re: House paid in full - tax implications

you pay the same amount of property taxes. although you might lose your mortgage interest deduction, you get a tax benefit of not being taxed on the imputed income you receive from living rent and payment free. here is a short article: http://www.ftpress.com/articles/article.aspx?p=761750&seqNum=7
by BerkeleyChris
Fri Aug 09, 2013 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: House paid in full - tax implications
Replies: 19
Views: 2369

Re: lost job - can I retire now

Hi, XSAS, Sorry about losing your job. For what it's worth, I agree with folks about filing for unemployment, but I don't think you should decide right now about retiring or not retiring. You have about enough, and that alone should make you comfortable. Based on personal experience, I think you sho...
by BerkeleyChris
Sun Jul 28, 2013 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: lost job - can I retire now
Replies: 39
Views: 5900

Re: What's your budget look like?

22% - 403b/457b/401a/Backdoor Roth
03% - Other retirement saving
15% - After-Tax Investing
06% - House upkeep
05% - Groceries/Restaurants/Entertaining
03% - Transportation
19% - General Living Expenses, Giving, and Fun
27% - Federal/State/Property Taxes
by BerkeleyChris
Sat Jul 20, 2013 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your budget look like?
Replies: 45
Views: 3428

Re: Why not pay credit card bill as soon as it arrives?

i like the idea of not owing any money to anybody. I pay off my balance the day the billing period closes and if I put business expenses on the card, I put in several payments per month as the reimbursement checks arrive. having a balance due really annoys me...having it be zero is of greater worth ...
by BerkeleyChris
Thu Jul 11, 2013 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not pay credit card bill as soon as it arrives?
Replies: 69
Views: 5105

Re: How should i start to save?

welcome to the forum and congratulations on landing a job that you love. that is great. If I were you I would make a budget and focus on paying off that debt as fast as possible. And while you are doing that maybe do some reading and think about your long term goals so you have a saving and investme...
by BerkeleyChris
Sun Jun 30, 2013 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should i start to save?
Replies: 14
Views: 1857

Re: Good email program suggestions

Thanks for all the input, very helpful. I'll dig up information on GMaill and Thunderbird, look at the layouts, and choose one of them. You're still thinking apples and oranges. It's not a matter of choosing one of them. Gmail is the web based Email system. Thunderbird is a pc based client that lin...
by BerkeleyChris
Sat Jun 22, 2013 9:35 am
 
Forum: Personal Consumer Issues
Topic: Good email program suggestions
Replies: 41
Views: 2354

Re: Investing in the stock market for the SHORT term

some folks might say that by definition, money put in the stock market in the short term is not investing at all, it is speculation. From wikipedia: "Speculation is the practice of engaging in risky financial transactions in an attempt to profit from short or medium term fluctuations in the mar...
by BerkeleyChris
Thu Jun 20, 2013 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in the stock market for the SHORT term
Replies: 37
Views: 1935

Re: FHA Condo Mortgage Question

Hi, welcome to Bogleheads! I am not an expert in this, but wanted to help try to respond to your post. I think you have a two-part question: 1) would it be better for you to take an FHA or conventional loan? I believe if you qualify for both, it is generally better to take the conventional. 2) do FH...
by BerkeleyChris
Sun Jun 16, 2013 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: FHA Condo Mortgage Question
Replies: 8
Views: 567

Re: What % of Gross Income Should You Spend on a New Car?

instead of asking the question this way, how about "what is the annual percentage of household income i/we should be spending on auto transportation" for me it looks like this: Category %[ Gas & Fuel 1.63% Auto Insurance 0.76% Service & Parts 0.49% Car Wash 0.15% Other 0.1% Parking...
by BerkeleyChris
Thu Jun 13, 2013 9:19 pm
 
Forum: Personal Consumer Issues
Topic: What % of Gross Income Should You Spend on a New Car?
Replies: 70
Views: 3357

Re: 34 and just starting!!!!! HELP!!!

Welcome to the forum, and congratulations on the progress you have made on tackling debt so far. It must have taken some determination. You may already be familiar with Dave Ramsey. If not, I think he has some great overall advice on how to prioritize things in a household budget, the Cliff's Notes ...
by BerkeleyChris
Sun Apr 14, 2013 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 34 and just starting!!!!! HELP!!!
Replies: 10
Views: 2084

Re: Relocating advice

I moved from the east coast to the west coast recently, on my own dime, and had a great experience with a company called ABF http://www.upack.com/. How it works: they drop off an empty semi trailer at your house and you load the trailer at your own pace. You pay only for the space you use, as measur...
by BerkeleyChris
Sat Apr 13, 2013 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Relocating advice
Replies: 17
Views: 1041

Re: Ideas for Charleston, SC in June

I recommend the Hominy Grill--it's fantastic! http://hominygrill.com/
by BerkeleyChris
Thu Apr 11, 2013 11:05 am
 
Forum: Personal Consumer Issues
Topic: Ideas for Charleston, SC in June
Replies: 19
Views: 907

Re: Which Index Fund to choose?

BrianJone, I checked out some of your previous posts/threads... it seems you are REALLY OVERTHINKING this starting a Roth IRA deal!! You are just getting started in this whole investing deal, right? The important thing for you now is to start and contribute. You're splitting hairs over which total ...
by BerkeleyChris
Tue Apr 09, 2013 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Index Fund to choose?
Replies: 19
Views: 811

Re: Portfolio Review / Assistance

the split between domestic / international looks great
by BerkeleyChris
Sat Apr 06, 2013 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review / Assistance
Replies: 6
Views: 402

Re: Portfolio Review / Assistance

i think you pretty much nailed your 70/30 desired allocation and have the proposed funds placed optimally in the most tax-efficient accounts Bond 29.1% International Stock 21.4% US Stock 49.6% was that the balance between domestic/international stocks you had in mind? not sure i added anything here,...
by BerkeleyChris
Sat Apr 06, 2013 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review / Assistance
Replies: 6
Views: 402

Re: 32 Year Old Needs Some Advice

Hi, Olerong. Nice job saving up and staying out of debt. 1. I'm not sure what I should do with the $125K; currently getting 0.85% interest. I have no immediate plans to touch most of that money and would like some advice on where to put it to get a higher rate of return, but still relatively little ...
by BerkeleyChris
Sat Apr 06, 2013 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 32 Year Old Needs Some Advice
Replies: 5
Views: 721

Re: What level of detail do you budget to?

i budget in about 10 broad categories that i monitor in mint, but i subcategorize individual transactions so that i can see within an individual category what is driving that area's expense. I started tracking everything about 7 years ago with quicken and then moved to mint.com...i used the budget i...
by BerkeleyChris
Sat Apr 06, 2013 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: What level of detail do you budget to?
Replies: 66
Views: 4798

Re: Novice with 403b and TSP questions

Hi, Jetpack, Yes, I would personally contribute up to the maximum match and then temporarily use anything extra to try to get yourself out of the car and/or get yourself in a position to refinance since you anticipate keeping the house a long time. ...if you can get just one of those two things done...
by BerkeleyChris
Sat Apr 06, 2013 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Novice with 403b and TSP questions
Replies: 8
Views: 489

Re: Novice with 403b and TSP questions

Hi, congratulations on getting started on taking control of your finances. for her 403b, most of the options are too expensive...but she does have a few good funds available. I agree with Default User BR that the 4 vanguard funds named could be used to get to her desired asset allocation. I have a d...
by BerkeleyChris
Sat Apr 06, 2013 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Novice with 403b and TSP questions
Replies: 8
Views: 489

Re: Large monetary gift from parents - do I have to pay taxe

setting up the solo 401k and maxing it out sounds like a very smart move, would keep going with your 3-fund portfolio
by BerkeleyChris
Sat Mar 30, 2013 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large monetary gift from parents - do I have to pay taxes?
Replies: 10
Views: 1164

Re: Best/Favorite ipad Apps

asana
dropbox
mint
pandora
siriusxm
by BerkeleyChris
Sat Mar 30, 2013 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Best/Favorite ipad Apps
Replies: 34
Views: 4041

Re: backdoor roth IRA

this will show up on form 8606 when you file taxes. you want to file this form every single year now to keep track of your "basis", the amount of aftertax IRA you are backdooring into a roth. If you have enough cash to make both your 2012 and 2013 contributions now, it will be easier to ma...
by BerkeleyChris
Sat Mar 30, 2013 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: backdoor roth IRA
Replies: 14
Views: 1226

Re: Beginer Portfolio, High Tax Bracket

you're off to a great start. I have to ask, what is your plan for the mortgage? after maxing out the tax advantaged accounts, as a personal preference I'd focus on paying off the mortgage before you turn 40 instead of adding so much to the taxable account. If you haven't already read it, I would re...
by BerkeleyChris
Sat Mar 30, 2013 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Beginer Portfolio, High Tax Bracket
Replies: 10
Views: 1232

Re: DCP, 457 pre-tax, after tax, for a resident physician

DCP after tax (which allows in service rollover/conversions to Roth IRA) Hi, Kidshrink, are you a university of california employee? If so, I have a question for you. I work for UC and am trying to find the documentation that says I can do in service rollover of DCP aftertax to Roth IRA with no pen...
by BerkeleyChris
Tue Mar 26, 2013 12:20 am
 
Forum: Investing - Help with Personal Investments
Topic: DCP, 457 pre-tax, after tax, for a resident physician
Replies: 4
Views: 342

Re: Portfolio Simplification - not sure where to start

i definitely like the advice you are getting about selling the sharebuilder things with losses and long-term gains. If I were in your shoes, I would use all of those proceeds and some of your cash to pay down or pay off the mortgage. Others might disagree with getting rid of the mortgage, but you sh...
by BerkeleyChris
Sun Mar 24, 2013 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Simplification - not sure where to start
Replies: 16
Views: 1850

Re: When to pay taxes on a backdoor roth conversion?

I think that is right. I think you want to acknowledge the 2012 after tax contribution on form 8606 in the filing due this year so that it is recorded as part of the basis when you show the rollover in the filing due next year.
by BerkeleyChris
Sun Mar 24, 2013 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to pay taxes on a backdoor roth conversion?
Replies: 1
Views: 197

order of contributions, rollovers to 403b/457b/401a/Roth

Hi, I have a question about making use of tax advantaged accounts and the best order to make contributions/conversions. As background, I am a university of california employee and max out my 403b and 457b and have just started doing the backdoor Roth in the past 2 years. I have no debt and have a ye...
by BerkeleyChris
Sun Mar 24, 2013 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: order of contributions, rollovers to 403b/457b/401a/Roth
Replies: 0
Views: 228

Re: Investment Book Ideas

For more step by step investment advice I'd really trust this website more than any particular book I've read. http://www.bogleheads.org/wiki/Getting_Started In general, I'd say that Liar's Poker and The Big Short by Michael Lewis and Reminiscences of a Stock Operator by Edwin Lefevre are all fantas...
by BerkeleyChris
Thu Mar 14, 2013 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Investment Book Ideas
Replies: 12
Views: 1076

Re: Newbie real estate question

It could benefit my tax situation if I have some (paper) passive real estate losses to balance the passive farm income, as I understand it. I am not an expert, but it's hard for me to imagine a scenario where the benefits to your tax bill could outweigh the actual passive losses you would seek out....
by BerkeleyChris
Wed Mar 13, 2013 12:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie real estate question
Replies: 12
Views: 1268

Re: Quitting job and starting law school in the Fall - help!

I would personally not feel comfortable with the spending plan because you use up most of your cash in year 1, and if your plans to fund year 2 or 3 don't work out for some reason, you don't really have the backup of student loans to keep you on track (not that i like the idea of loans anyway!). Giv...
by BerkeleyChris
Tue Mar 12, 2013 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quitting job and starting law school in the Fall - help!
Replies: 97
Views: 9761

Re: which turbotax

...but did do the back door ROTH. Thanks for your help. I have read that it is common this year to have trouble with turbo tax calculating backdoor roth correctly until you manually adjust form 8606. This happened to me, and was a cinch to fix once I read in the forum how to correct the problem, bu...
by BerkeleyChris
Thu Mar 07, 2013 12:05 am
 
Forum: Personal Consumer Issues
Topic: which turbotax
Replies: 5
Views: 416

Re: Money Lessons From 'Downton Abbey'

rj49 wrote:There's also a good Masterpiece Theatre film called "The Way We Live Now"


+1
by BerkeleyChris
Mon Mar 04, 2013 1:33 am
 
Forum: Personal Consumer Issues
Topic: Money Lessons From 'Downton Abbey'
Replies: 23
Views: 3178

Re: Building Green the Boglehead Way

an energy-efficient house is a good boglehead house, in my opinion! i think you're on the right track to prioritize what parts of green building can fit within your budget, and folks here have made great comments about starting with insulation and passive solar design. -you said you have eliminated ...
by BerkeleyChris
Sat Mar 02, 2013 1:31 am
 
Forum: Personal Consumer Issues
Topic: Building Green the Boglehead Way
Replies: 10
Views: 688

Re: Well compensated, not so knowledgeable Dr.=BEGINNER!

I would pay off the mortgage entirely and save/invest as much as you can over the next few years. If you decide to make investments outside the boglehead portfolio--and it is not clear to me that you should take on hassles that divert your time away from your practice and your family--at least be su...
by BerkeleyChris
Sun Feb 24, 2013 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Well compensated, not so knowledgeable Dr.=Beginner
Replies: 107
Views: 9758

how to balance retirement and pre-retirement savings

Hi, I am hoping to get your opinions and hear your strategies on how you balance saving/investing for retirement vs mid- to long-term saving/investing. As background, I'm 33 and have my home and car paid off, have no debt, and live very frugally. I keep a 1 year emergency fund and don't regret payin...
by BerkeleyChris
Sun Feb 17, 2013 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to balance retirement and pre-retirement savings
Replies: 1
Views: 463

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