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Re: How much has Bogleheads contributed to your net worth?

Our net worth just hit $507,000 this month! 4 years ago it was $102,000. MUCH of this huge difference is because of strategies and ideas given to me by all of the Bogleheads. We save between 25-45% of our income now, depending on the expenses each month. People gave me ideas by reading all of the po...
by Boglemama
Sun Feb 22, 2015 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4105

Re: Landlord asking for more money at Move Out than Security

$100 security deposit is low. I'd wait and see what your wife says after the walk through. Then I'd write them a letter saying that your apartment only had normal wear and tear and that you want your $100 back. In order to send you to collections, they would need a judgement. So they can't do that u...
by Boglemama
Tue Feb 17, 2015 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Landlord asking for more money at Move Out than Security Dep
Replies: 20
Views: 1832

Re: Tenants won't let us show the rental: what do we do?

Evict them. It's in the lease that they show the property with proper notice. You don't need to pay them! That's insane. Start eviction now.
by Boglemama
Sat Feb 14, 2015 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenants won't let us show the rental: what do we do?
Replies: 60
Views: 6943

Re: freeze kids' accounts with the 3 bureaus?

We are victims of the data breech as well. I read this information on the Experian website about freezing children's credit: Dear Experian, I have two young children (both under the age of four). Because I have heard of even young children being the victims of identity theft, I am considering freezi...
by Boglemama
Sat Feb 14, 2015 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: freeze kids' accounts with the 3 bureaus?
Replies: 9
Views: 1007

Re: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs

Hands down - Florida Gulf Coast. Should be quite toasty in April. The girls will like the beaches. Easy drive from Georgia, not as crazy as Orlando and overall better family atmosphere than the Atlantic side of Florida. Take your pick anywhere from Clearwater to Naples. I have a 3 & 6 year old....
by Boglemama
Sat Feb 14, 2015 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs
Replies: 45
Views: 2380

Re: Valentine’s day dinner I could cook?

I would go on one of my favorite recipe sites allrecipes.com. They have the recipes rated, with comments, so you know which ones are really good. They have a few beef recipes and one of my favorites, broiled parmesan tilapia, that you can even leave some ingredients out of (except butter, parmesan, ...
by Boglemama
Thu Feb 12, 2015 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Valentine’s day dinner I could cook?
Replies: 40
Views: 2396

Re: Birthday idea for fiancée (investment)?

Re: Recommendation to open a 529 fund You need the name and SS number of the beneficiary to open a 529 ESA (Educational Savings Account) which eliminates unborn beneficiaries. There are ways to get around that but if you are not even married I would not recommend you consider them...Gordon A 529 fu...
by Boglemama
Wed Feb 04, 2015 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Birthday idea for fiancée (investment)?
Replies: 15
Views: 1581

Re: Birthday idea for fiancée (investment)?

My fiancée's birthday is coming up, and I love the idea of giving her something (in addition to a nice dinner, flowers) related to our investment future. We're both Boglehead-types and care deeply about these issues. Does anyone have suggestions for an inexpensive but meaningful investment gift? It...
by Boglemama
Sat Jan 31, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Birthday idea for fiancée (investment)?
Replies: 15
Views: 1581

Re: 2% savings rate? Emerg Doc?

You mean 20% savings rate? That's what I usually recommend to docs. Can you post a link to the post? I looked through my browser history and can't find the specific post. I have read so many Bogelheads posts, and posts from your White Coat Investor site, that pinning down which post had that inform...
by Boglemama
Sat Jan 03, 2015 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: 2% savings rate? Emerg Doc?
Replies: 6
Views: 2046

Re: New Here, need help with Retirement

Boglemama said: If I may, 2 things that will significantly reduce your monthly spending are to use the expected 200k inheritance money to pay off your mortgage. Then set the rest of the money aside so that when your husband's auto lease is up and buy a vehicle instead of leasing. If you eliminate t...
by Boglemama
Sat Jan 03, 2015 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: New Here, need help with Retirement
Replies: 42
Views: 3712

2% savings rate? Emerg Doc?

I had read a post from Emerg Doc about a 2% savings rate. Where is this? What type of account?
by Boglemama
Fri Jan 02, 2015 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2% savings rate? Emerg Doc?
Replies: 6
Views: 2046

Re: New Here, need help with Retirement

PS: congrats for being ccard debt free! And I second the opinion that you should ditch the financial advisor and call Vanguard. If you call them then they will walk you through transferring. Their fees are ridiculously low compared to what you have been paying. BUT, congrats on investing that much! ...
by Boglemama
Fri Jan 02, 2015 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Here, need help with Retirement
Replies: 42
Views: 3712

Re: New Here, need help with Retirement

If I may, 2 things that will significantly reduce your monthly spending are to use the expected 200k inheritance money to pay off your mortgage. Then set the rest of the money aside so that when your husband's auto lease is up and buy a vehicle instead of leasing. If you eliminate the mortgage payme...
by Boglemama
Fri Jan 02, 2015 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Here, need help with Retirement
Replies: 42
Views: 3712

Re: Major Life Decision -- Do we need to keep working?

You CAN semi-retire. Very easily. There are areas of the country where you can live so inexpensively. Not Malibu, as you mentioned, but good, enjoyable places. You have enough money set aside and plans to grow your consulting. I think that you are wavering because you have the opportunity for so muc...
by Boglemama
Sun Dec 21, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Major Life Decision -- Do we need to keep working?
Replies: 50
Views: 5137

Re: When do you feel comfortable financially to have kids?

Our decision to have kids wasn't a financial one. We met when I was 30 and dated for 2 years. Then married for 1 year. Then got pregnant with our first. 3 years later with our second. In certain ways, it's nice to be an older mom. But I am 41 and my almost 4 year old could technically be my granddau...
by Boglemama
Fri Nov 28, 2014 2:49 am
 
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4507

Re: Girlfriend with a LOT of Student debt.

So what happened?
by Boglemama
Wed Nov 26, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13844

Re: Mortgage Fraud-People take out mortgage on YOUR property

The other case is someone recording a deed to your property in their name, and then taking out a mortgage on that property. It's a bit more elaborate, in that the perpetrator must also get a notary to go along with the scam. The following link, although specific to CA, has some helpful info: http:/...
by Boglemama
Tue Nov 18, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Fraud-People take out mortgage on YOUR property???
Replies: 8
Views: 2209

Re: Mortgage Fraud-People take out mortgage on YOUR property

From Wikipedia article on mortgage fraud: Identity theft: Occurs when a person assumes the identity of another and uses that identity to obtain a mortgage without the knowledge or consent of the victim. In these schemes, the thieves disappear without making payments on the mortgage. The schemes are ...
by Boglemama
Mon Nov 17, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Fraud-People take out mortgage on YOUR property???
Replies: 8
Views: 2209

Mortgage Fraud-People take out mortgage on YOUR property???

I hadn't heard about his until today! "Mortgage fraud is on the rise, according to the Federal Bureau of Investigation website, which shows the number of mortgage fraud suspicious activity reports increasing from 46,717 in 2007 to 93,508 in 2011. Property fraud can occur when a scammer records ...
by Boglemama
Mon Nov 17, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Fraud-People take out mortgage on YOUR property???
Replies: 8
Views: 2209

Re: Not qualified for my job - what to do?

Take it easy! There is NO ONE who knows their job when they start. No one. You learn. Let's develop a plan to get you ready for this job. You have a project starting in less than a month and a review. Well, first you need to talk to whomever you need to in order to make sure that your project is on ...
by Boglemama
Sun Nov 16, 2014 4:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 5517

Re: Consider freezing your credit

I froze hubby and my credit 4 years ago. I had to unfreeze it last year when we refinanced, and it's not difficult at all. Maybe took me 20 minutes. I did it all online and used our passwords. I asked the lender when they would be pulling the report and unfroze it for that day. Our state offers the ...
by Boglemama
Fri Nov 14, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 5244

Re: Appealing a Tax Assessment on Home

It's important that you learn the rules for assessing. In our area, if the assessor increases the value of the property more than 5% from the previous year, they need to provide evidence for that at a hearing. You only get a hearing if you contest. Read online and find out what the rules are in your...
by Boglemama
Fri Oct 31, 2014 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Appealing a Tax Assessment on Home
Replies: 11
Views: 860

Re: Benefits to a larger than necessary house (as children g

I read your post yesterday and thought about your situation. I am a stay at home mom of 2. You have gotten a lot of great advice so far. Your main advantage to staying in your current home is the parents living directly across the street. Moving away into even the perfect home would be not worth mov...
by Boglemama
Wed Oct 22, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Benefits to a larger than necessary house (as children grow)
Replies: 31
Views: 3444

Re: Wife Expecting, Down to One Income Source

We do beautifully on one income. It depends on your priorities. Hubby even plans on retiring early. My focus is on the kids and on running our house like a business. No unnecessary expenditures & maximize spending. I estimate that I made $27,000 last year net, and I didn't work for an employer o...
by Boglemama
Wed Oct 08, 2014 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 9377

Re: What have you done to cut costs this year?

Appeal property taxes Meal planning Packing lunches and snacks No cable. Just high speed internet for $20 monthly and Hulu for $8 monthly. Question every bill! Caught a $50 error in a medical bill. Skipped an extra week in mowing the lawn Bought all clothes, except undies and socks, at thrift shops....
by Boglemama
Wed Oct 08, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12975

Re: Four credit cards hacked in a 2 month period

Have you checked her credit report? I'd do that and definitely look at places that she frequents like a job, friends, salons, babysitters, etc. Anywhere that she takes her purse and sits it down. Your wallet stays in your pocket when you are out.
by Boglemama
Wed Oct 08, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Four credit cards hacked in a 2 month period
Replies: 14
Views: 2149

Re: Small Moneysavers Which Add Up

Save even more by cutting the cable TV Netflix and projectfreeTV.org works for me We cut cable. Just high speed internet at $20 per month promotional (I have to call every 6 months and get it reinstated) and $8 per month for Hulu plus. We also bought our own modem. Meal planning is also a GREAT sav...
by Boglemama
Wed Oct 08, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 7725

Re: What did you always wish for but never got?

I've always wanted to truly learn to ride horses. I spent my childhood reading every book in the Saddle Club series. At this point in my life, riding lessons are still too expensive, but I'm hoping in a couple more years we'll be able to afford it. Obviously I will never be an Olympic show jumper, ...
by Boglemama
Wed Sep 24, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5997

Re: What did you always wish for but never got?

When I was five I met the love of my life. I know I was five and didn't know what love was but I had "that" feeling about this girl. And it only grew. I lived in a small town so as you went from grade to grade you always had the same kids in the same classes. I was in her same class from ...
by Boglemama
Wed Sep 24, 2014 9:02 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5997

Re: Need help protecting assets (marriage)

I was also wondering where her savings are if she's working and paying no bills, other than the occasional water bill. Are you concerned about her spending habits?
by Boglemama
Sun Sep 21, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help protecting assets (marriage)
Replies: 46
Views: 4709

Re: Financial Advisor Compensation

I don't use a financial advisor, but I'd ask your financial advisor what compensation they are getting. If you are a buy and hold investor then I'd think that you really don't need a financial advisor, so any cost would be unnecessary.
by Boglemama
Thu Aug 21, 2014 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 3302

Re: Best one-stop company for renters/car/term life insuranc

I am a member of USAA because of my Father in law's military. My parents called them for car insurance and since they were ineligible, USAA directed them to their non-military company who saved them $300 per year on auto insurance! I'd call USAA. Also, I use Banner Life for term, and would also ask ...
by Boglemama
Thu Aug 21, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best one-stop company for renters/car/term life insurance?
Replies: 15
Views: 1071

Re: Where do you buy clothes?

Goodwill for clothes. I hesitate to spend $40 on a shirt that I can get for $3. Shopping at thrift stores also forces me to be more adventurous in my clothing choices. Prior to thrift shop shopping I would only buy basic colors of clothing. But when I am shopping by size and then what looks nice on,...
by Boglemama
Thu Aug 14, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 10381

Re: Do Bogleheads Feel Wealthier?

in_reality wrote:Yes! Since becoming a Boglehead and saving advisors fees, I do not hesitate at all to purchase mangos when I see them in the grocery store. I used to stay more with less expensive fruit.


I love this! (But Aldi sometimes has mangoes on sale for 39 cents. I usually buy 7-8 of them!)
by Boglemama
Tue Jul 29, 2014 4:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4920

Re: Public Speaking-help

Yep! Totally understand what you are talking about. I quit a job paying 55k, around 20 years ago, because of an impending speech in front of the company. I would get horrible anxiety, including sweating, light-headedness, and almost panic attacks. I have gotten better with public speaking though. He...
by Boglemama
Sat Jul 26, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 5769

Re: Auction vs. estate sale to liquidate personal property

Appraised value isn't necessarily market value. For the most money for your items, I'd send photos and descriptions of the $400 plus items to some of the better auction houses (Freeman, Skinner, Sotheby's, etc). The process takes a while, up to 2 months to hear back about market value and whether or...
by Boglemama
Tue Jul 15, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auction vs. estate sale to liquidate personal property
Replies: 5
Views: 997

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

Where is the loan held? Call them ASAP! As a co-signer you can get information on the status of the loan. Is it up to date? How much is left on the loan, don't trust him that its 15k. When are payments due? Start calling monthly to make sure the payment is paid. You might consider asking them to co...
by Boglemama
Tue Jul 15, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 8243

Re: A question for the Bogleladies or those who can consult

Professor Emeritus, I am impressed that you would even ask the question. Good for you! Part of this depends on what you consider "underwear". If you mean those things that women wear on top and on bottom every day, getting a nice set might be fun for the both of you. But don't expect her ...
by Boglemama
Tue Jul 15, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 6177

Re: A question for the Bogleladies or those who can consult

First, are you sure she'll appreciate this gift? Some women do not like fancy underthings. They wear Jockey for a reason. Second, are you sure this gift is not for you, instead of her? On many an occasion I have encountered men shopping in stores like Victoria's Secret and thought to myself: "...
by Boglemama
Tue Jul 15, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 6177

Re: High end purses

I bought a $500 Louis Vuitton bag, and matching $100 checkbook cover, when I was single, without kids, and status symbols mattered to me. I was around 23 years old and in debt up to my eyeballs. Since then, I've sold the bag (for $200) after using it for 5 years and sold the checkbook cover (for $20...
by Boglemama
Sat Jul 12, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 13966

Re: Advice for how to fund my wedding

Option 1. I get the feeling that you initially left out the details about you paying for your family members' travel expenses, just so you could administer a smackdown to us :twisted: Because if you'd put that in your first post, everyone would have said, "Awww! What a wonderful and generous g...
by Boglemama
Tue Jul 08, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 3087

Re: Dip into IRAs to pay off CC debt?

I read your post again and noticed no property taxes or insurance in your budget. For your house or the rental. There are actually a lot of things left out. I'd definitely research money management and work with your wife to construct a thorough budget. At your young age you probably want to get wil...
by Boglemama
Tue Jul 08, 2014 1:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Dip into IRAs to pay off CC debt?
Replies: 28
Views: 2182

Re: Dip into IRAs to pay off CC debt?

I hate agreeing about selling the rental, because I have a rental, but I agree. I'd sell it and pay off the CC debt and part of the student loans, while saving some for an emergency fund. You definitely need an emergency fund. Why 3 vehicles with 2 people? I'd sell one of them. Extra insurance and m...
by Boglemama
Tue Jul 08, 2014 1:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Dip into IRAs to pay off CC debt?
Replies: 28
Views: 2182

Re: Intro & Qs - Paying down debt / Improving cash flow

Do you have a car? Could you take out a used car loan against the car and pay off the higher interest rate debt? I looked at my credit union (digital Fedral Credit Union) and they have interest rates below 3%, lowest is 1.25% for five years, direct deposit, direct withdrawal. Yes! What a great idea...
by Boglemama
Sun Jul 06, 2014 6:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 14
Views: 2037

Re: Intro & Qs - Paying down debt / Improving cash flow

The steps that you are planning on taking will really make a significant impact on your wealth and future financial comfort. Congratulations to you! And you have a very nice plan set up. Some comments: I'd not put your emergency fund into any investments. At $1,000, making a lot of interest isn't go...
by Boglemama
Sun Jul 06, 2014 5:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 14
Views: 2037

Re: Getting toddler to brush their teeth

I brush my 3 year old daughter's teeth, then she brushes mine, then we each brush our own teeth. Somewhere along the way all the teeth get clean. It's also really cute to have my daughter say "open!" "now file (smile)" "cheese" "now tongue!" which is exactly w...
by Boglemama
Fri Jul 04, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 3038

Re: Ideas on how deal with estate with tons of items

Perhaps this is cynical of me, but I would think that an in-person auction in a small Ohio town is not going to bring the same sort of value for the collection that online auctions or seeking out the appropriate resellers for such collections would bring. If your wife wants top-dollar for everythin...
by Boglemama
Sun Jun 29, 2014 3:46 am
 
Forum: Personal Consumer Issues
Topic: Ideas on how deal with estate with tons of items
Replies: 29
Views: 2713

Re: I cannot make the jump and retire

You should be so thankful that you have found what you love to do! Setting up clinics in 3rd world countries and saving lives is AWESOME! Now to transition to doing it all the time. Retiring is sometimes a dramatic jump into a new life, but it can also be an easy transition instead. You need to set ...
by Boglemama
Sat Jun 14, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 97
Views: 15636

Re: Hiring an attorney? Advice please

These are all very good points! I hadn't considered that we may be awarded attorney's fees as part of damages.
by Boglemama
Thu Jun 05, 2014 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 2027

Re: Hiring an attorney? Advice please

It sounds like you found your attorney, but are uncertain as to how the attorney is paid. First, the attorney should either have you sign a contract or provide an engagement letter that spells out specifically how the attorney is paid. Now as to contingency/hourly: Contingency: If you do not have m...
by Boglemama
Thu Jun 05, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 2027
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