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Re: Moving Advice: How do I make my move economical?

clubby wrote:I'm not sure I'd put a trailer hitch on my 195k mile econo box car already in need of repairs and try to pull a trailer 1000 miles with it. That seems like a recipe for disaster.


Agree but Hondas are usually pretty tough.
by Big Worm
Mon Apr 07, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving Advice: How do I make my move economical?
Replies: 16
Views: 891

Re: Any way to auto save a draft?

Hate it when that happens. Sometimes I right click and copy beforehand.
by Big Worm
Mon Apr 07, 2014 1:30 pm
 
Forum: Forum Issues and Administration
Topic: Any way to auto save a draft?
Replies: 14
Views: 484

Re: Moving Advice: How do I make my move economical?

I have used uhaul a couple of times and it was always horrendous. One time I ran out of gas because the fuel gauge was inaccurate. Penske was light years better.
by Big Worm
Sun Apr 06, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving Advice: How do I make my move economical?
Replies: 16
Views: 891

Re: New partner eligible for solo 401K?

What's wrong with a K-1?
by Big Worm
Fri Mar 28, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: New partner eligible for solo 401K?
Replies: 14
Views: 766

Re: Costco vs BJs vs Sams Club

I have all 3. If I had to choose 1 it would be Costco.

The only sales at the BJ's I go to is one on the way out and I just wave them off.
by Big Worm
Sun Mar 09, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 4022

Re: Tipping for take out

Sometimes leave some change or a few bucks. Depends on how ornery I am feeling.
by Big Worm
Fri Mar 07, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 4583

Re: The dealership wants my 2 year old car back?

Classic bait and switch.
by Big Worm
Thu Mar 06, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 4277

Re: Why the love for target date funds?

I call it "Ronco investing". Set it and forget it!
by Big Worm
Sun Mar 02, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 3654

Re: Advice on selecting medical school

The best FINANCIAL move you can make is going to the cheapest US allopathic medical school to which you are accepted, then choosing a lucrative specialty (Derm, Rads, Ortho, etc) and going into private practice. Of course, there are more important things in life than maximizing income. Don't forget...
by Big Worm
Fri Feb 28, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on selecting medical school
Replies: 30
Views: 1796

Re: Advice on selecting medical school

Physician here. As long as it is halfway decent, go to the cheapest one. No bones about it.
by Big Worm
Thu Feb 27, 2014 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on selecting medical school
Replies: 30
Views: 1796

Re: Putting Your 401(k) on Autopilot

It's "deer in the headlights" :wink:

I balance my checkbook all the time.

I also have my entire Roth IRA in a Vanguard Target retirement fund. I subscribe to the Ronco method of retirement planning - "set it and forget it".
by Big Worm
Sat Feb 22, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Putting Your 401(k) on Autopilot
Replies: 9
Views: 1159

Re: BOA credit card breach

I got the same letter and my new card already. I'm almost positive it's because of the Target and related breaches. I suspect they're replacing all of their cards. It's just the way of the times. The Target breach was before Thanksgiving IIRC. What the heck took them so long? Although I like chargi...
by Big Worm
Thu Feb 20, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: BOA credit card breach
Replies: 29
Views: 1932

Re: BOA credit card breach

ajcp wrote:It's not really a boa breach right? It the place you used the card at.


I guess so. I wish they would tell me where it was.
by Big Worm
Wed Feb 19, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: BOA credit card breach
Replies: 29
Views: 1932

BOA credit card breach

Just got this email the other day: We have learned that your Bank of America® credit card information may have been compromised at an undisclosed merchant or service provider. This does not mean fraud has or will occur on your account, but we are taking precautionary steps to help protect your accou...
by Big Worm
Wed Feb 19, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: BOA credit card breach
Replies: 29
Views: 1932

Re: How to buy a new car?

I got a quote from the dealer associated with Costco (except they didn't have the color I wanted). I had another dealer who found the right color to match the price. I think I saved a couple of hundred bucks.
by Big Worm
Wed Feb 05, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: How to buy a new car?
Replies: 29
Views: 2291

Re: Winter coats:

I have 2 Patagonias. Love them.
by Big Worm
Mon Feb 03, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 3763

Re: France with a 10 month old

My kids are 1 and 4. No airplane trips yet. Getting to the beach is a major production.
by Big Worm
Sat Feb 01, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: France with a 10 month old
Replies: 30
Views: 1757

Re: Best way to sign a credit card?

I don't sign them. Never had an issue.
by Big Worm
Wed Jan 22, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: Best way to sign a credit card?
Replies: 72
Views: 5285

Re: What's your dream car?

1987 VW 16V Scirocco
Porsche 928S4
by Big Worm
Wed Jan 22, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8959

Re: Thinking about buying a 2014 Acura RDX

The Acura is a nice car. We had an MDX for a while. We got rid of it because my wife was commuting at the time and the MDX didn't get very good gas mileage. The only problem we had with the car was with the A/C. It would completely go out on long road trips >3 hours or so. Otherwise mechanically the...
by Big Worm
Sun Jan 12, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Thinking about buying a 2014 Acura RDX
Replies: 44
Views: 2986

Re: What did you do with unwanted baby gear?

Battered women's shelter.
by Big Worm
Sat Jan 04, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: What did you do with unwanted baby gear?
Replies: 22
Views: 1228

Re: Which Med school?

Your daughter sounds incredibly bright. I am a physician and she sounds much smarter than I was at that age :? .

She sounds like she will do well wherever she goes. I would choose the cheapest route within reason, hands down.
by Big Worm
Sat Dec 28, 2013 11:17 am
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10672

Re: Europe with young kids - 6 and almost 3, bad idea ?

No way I would do this!

Of course going away for the weekend is an incredible production in my family with young kids.
by Big Worm
Sat Dec 28, 2013 11:15 am
 
Forum: Personal Consumer Issues
Topic: Europe with young kids - 6 and almost 3, bad idea ?
Replies: 34
Views: 1974

Re: Dying mothers last wish. (Ethical question)?

Seems kind of weird to me. Nobody really knows what their finances are like though.
by Big Worm
Mon Dec 16, 2013 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Dying mothers last wish. (Ethical question)?
Replies: 22
Views: 2995

Re: Backdoor Roth Contribution - Pulling the Trigger Today!

I have an empty traditional IRA at Vanguard as well as a Roth.
by Big Worm
Wed Dec 11, 2013 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Contribution - Pulling the Trigger Today!
Replies: 50
Views: 3245

Re: Backdoor Roth Contribution - Pulling the Trigger Today!

I do it every year. On the advice of my accountant I leave the funds in a money market for a few weeks before I convert to the Roth.
by Big Worm
Wed Dec 11, 2013 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Contribution - Pulling the Trigger Today!
Replies: 50
Views: 3245

Re: N.Carolina 529 no longer state tax decuctible

I read this the other day and was pissed off. I thought the tax break was pulled all of a sudden. However the truth is that this has been planned all along. The tax break was set to expire next year when the plan was created.
by Big Worm
Mon Nov 25, 2013 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: N.Carolina 529 no longer state tax decuctible
Replies: 18
Views: 1143

Re: Backdoor IRA Question

I don't know anything about a SIMPLE IRA but I do have a backdoor Roth in addition to my 401K.

I put $5000 in a traditional Vanguard IRA. I wait a few weeks and then roll it into my Roth. I don't really know if you need to wait versus doing it immediately but this is what my accountant advised.
by Big Worm
Fri Nov 15, 2013 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor IRA Question
Replies: 4
Views: 255

Re: Acura RDX or BMW X3?‏

I agree the NAV looks pretty good. It was just a bust for me. The upgrade they tried to sell me was something like $300 IIRC. I wouldn't buy the system if I did it all over again.
by Big Worm
Tue Nov 12, 2013 11:22 am
 
Forum: Personal Consumer Issues
Topic: Acura RDX or BMW X3?‏
Replies: 34
Views: 3304

Re: Acura RDX or BMW X3?‏

No way in the world I would ever pay for a navigation package in an Acura. We used to have an MDX. My wife commuted a lot and the thing got terrible gas mileage so we got rid of it. it was a decent car otherwise (except a weird AC problem nobody could figure out). The GPS was TERRIBLE though! Even t...
by Big Worm
Mon Nov 11, 2013 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX or BMW X3?‏
Replies: 34
Views: 3304

Re: Water damaged gadgets

I partially resurrected a laptop from the dead with the rice trick once so I think it is worth a try.
by Big Worm
Mon Nov 11, 2013 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Water damaged gadgets
Replies: 5
Views: 380

Re: Which Med school?

Congratulations to your daughter. I am a physician but I will spare you all the moaning and groaning that many of us feel because of the downward death spiral of medicine. I strongly advise her to go to the cheapest medical school possible. STRONGLY. I went to an incredibly average medical school. I...
by Big Worm
Tue Oct 22, 2013 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10672

Re: Home Affordability [check my calculations]

Forget all the numbers. I think you are insane (no offense intended :happy ) for even thinking about purchasing a home for the original price you listed. 600-700 is still very sketchy to me. I am a physician 5+ years out of fellowship. In general, I think it is a very bad idea to buy a home straigh...
by Big Worm
Tue Oct 22, 2013 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Affordability [check my calculations]
Replies: 77
Views: 4434

Re: Home Affordability [check my calculations]

Forget all the numbers. I think you are insane (no offense intended :happy ) for even thinking about purchasing a home for the original price you listed. 600-700 is still very sketchy to me. I am a physician 5+ years out of fellowship. In general, I think it is a very bad idea to buy a home straight...
by Big Worm
Fri Oct 18, 2013 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Affordability [check my calculations]
Replies: 77
Views: 4434

Re: Why doesn't anyone like working in finance?

I know nothing about the finance industry really.

Although I did read "Bombadiers" by Po Bronson many years ago about bond traders and it was hysterical! (and probably sort of accurate in a twisted kind of way). Sorry for the hijack.
by Big Worm
Tue Oct 15, 2013 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Why doesn't anyone like working in finance?
Replies: 27
Views: 2974

Re: Home PC Upgrade Path (from Win98SE). Yes, it's time.

I can't help you unfortunately but I just wanted to give you some props for the 56K modem. the first computer I had was a Quantex with a 33.6 baud dialup modem that was blazing fast for the day. Of course that was almost 20 years ago :happy
by Big Worm
Mon Sep 09, 2013 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Home PC Upgrade Path (from Win98SE). Yes, it's time.
Replies: 35
Views: 1843

Re: Just had a baby- need to start saving for college

I am a big fan of 529's. I have one for each of my kids (both <4 years old). I get a state tax break on them which is nice. The funds are invested in Vanguard funds which have done very well so far. Vanguard has low, medium and high risk funds that all adjust over time as the child ages. It's what I...
by Big Worm
Wed Aug 07, 2013 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just had a baby- need to start saving for college
Replies: 36
Views: 3209

Re: Jetta Sportwagen Question

My wife drives a TDI Wagen. She puts a lot of miles on it since she has a commute (almost 40K so far). No problems whatsoever other than a flat tire. Great mileage. 10K, 20K and 30K maintenance visits are free. So far so good for us.
by Big Worm
Wed Aug 07, 2013 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jetta Sportwagen Question
Replies: 32
Views: 2082

Re: On Shopping And Receiving Change

I like the Munchkin Man's posts! I hate change though.
by Big Worm
Sun Aug 04, 2013 8:36 pm
 
Forum: Personal Consumer Issues
Topic: On Shopping And Receiving Change
Replies: 56
Views: 3000

Re: Road trip ideas

Bar Harbor Maine was pretty sweet during the summer 30 years ago.
by Big Worm
Sun Jul 14, 2013 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Road trip ideas
Replies: 30
Views: 2289

Re: [Can you recommend]A spectacular movie, and a terrible m

I like Sniper. "One shot, one kill"
by Big Worm
Fri Jul 12, 2013 7:30 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 9189

Re: Ridiculous lawn service

My neighbor pays $250/month for full service, front and back!
by Big Worm
Fri Jul 05, 2013 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Ridiculous lawn service
Replies: 55
Views: 6625

Re: Vanguard funds in different places

Go to the main Vanguard site (Vanguard.com) and click on "INSTITUTIONAL INVESTORS" and "go to the site" (not personal investors). Then click on "VIEW ALL INVESTMENTS". And then, go to the bottom and click "SHOW ALL PRODUCTS" (yup, a bit redundant). You will t...
by Big Worm
Mon Jul 01, 2013 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds in different places
Replies: 5
Views: 750

Re: Vanguard funds in different places

I would check the expense ratios very closely (and the yearly results) on the Transamerica site and compare to Vanguard over the exact same dates. I don't know what company had a 401k with Vanguard funds but when I was reviewing it online they were adding over .5% to the expenses above what Vanguar...
by Big Worm
Fri Jun 28, 2013 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds in different places
Replies: 5
Views: 750

Vanguard funds in different places

So I have a Roth IRA with Vanguard invested pretty conservatively. I’m 43 and everything is in the 2030 fund that automatically adjusts over time. I have some other retirement funds from a previous employer that are administered by a company called “Transamerica Retirement Solutions”. Funds are befo...
by Big Worm
Fri Jun 28, 2013 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds in different places
Replies: 5
Views: 750

Re: Forum Design - Hard to refer people

That busy page is HORRIBLE. I started coming here a bunch more when I figured out how to get to the more palatable forum.
by Big Worm
Fri Jun 28, 2013 1:48 pm
 
Forum: Forum Issues and Administration
Topic: Forum Design - Hard to refer people
Replies: 31
Views: 3336

Re: Use or lose backdoor Roth

Anyone, Bueller?

Article from the NY Times a couple of days ago telling us what everyone reading this board already knows:

http://www.nytimes.com/2013/06/22/your- ... wanted=all
by Big Worm
Sun Jun 23, 2013 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Use or lose backdoor Roth
Replies: 5
Views: 970

Use or lose backdoor Roth

I have some existing retirement funds in accounts at my old employer administered by Transamerica Retirement solutions, approximately $126K. I don’t really want to keep the funds with Transamerica. I think their fees are high and they seem like numbskulls. I am in my early 40’s. I wish I were a true...
by Big Worm
Fri Jun 21, 2013 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Use or lose backdoor Roth
Replies: 5
Views: 970

Re: Timing the market

How about just suck it up, some people bought houses in 2006. In the grand scheme of things, we are not talking about any insurmountable setback if you invest $5K at the "wrong" time. yep, I bought a house in 2005 and tried to sell it in 2008 just before the implosion. Ended up losing abo...
by Big Worm
Fri Jun 14, 2013 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Timing the market
Replies: 16
Views: 1129

Re: Timing the market

I was just looking at my 529 plan. I had been plunking 5K at a time into each childs fund. Seems like I am better served by a monthly draft, which I didn't realize existed.
by Big Worm
Thu Jun 13, 2013 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Timing the market
Replies: 16
Views: 1129
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