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Re: Pharmacy School Loan Advice

My dad is a pharmacist, and loves it. However, he is at a hospital and not in retail. Another PharmD buddy works at a drug company and landed a high-level VP position. He travels the world for his job and loves it. Every pharmacist I know in retail hates it. One of my buddies kept trying to get out ...
by Go Blue 99
Sat Apr 25, 2015 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pharmacy School Loan Advice
Replies: 15
Views: 1443

Re: What rate of return do you use when planning for retirem

The projection tab of my spreadsheet is just for fun, but I use 8% nominal for our retirement accounts, which are 100% equities (45% international). I use 5% for our taxable brokerage and HSA. They're mostly equities too, but I assume some tax, bond, and potential HSA withdrawal drag. We save what ...
by Go Blue 99
Wed Apr 22, 2015 11:59 am
 
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 59
Views: 4420

Re: Home Air Filters

I typically buy filters when I see sales posted on Slickdeals.net. We don't change them as often as we should though. The builder didn't do a great job of installing the HVAC unit in the attic, and there is some dried plaster/concrete-looking thing that makes it very difficult to pull out the existi...
by Go Blue 99
Wed Apr 22, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 3332

Re: How much do you pay in Property Taxes?

Roughly 1.2% of market value. This is in Atlanta.
by Go Blue 99
Wed Apr 22, 2015 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 177
Views: 8233

Re: House down payment vs. more retirement savings

Do you have a fully vested employer 401k match? If so, you can include that in achieving the 20% of gross retirement goal.
by Go Blue 99
Fri Apr 17, 2015 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: House down payment vs. more retirement savings
Replies: 19
Views: 1615

Re: What do you drive, and why?

2007 Lexus IS250- my wife's parents bought it for her before we were married. Only has 90k miles and we plan on using it for a long time. Though it's 8 years old, it still feels current as it has features that were ahead of their time in '07 (push button start, backup camera, heated/cooled seats, et...
by Go Blue 99
Thu Apr 16, 2015 2:24 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 244
Views: 23416

Re: Is it ok to NOT have significant taxable investments?

We are in our 30s, and our taxable investments are tiny compared to our 401k/IRA balances.
However, as our savings rate increases, we are adding some to the taxable account. The main reason being that we also want to save for potential major purchases that occur before we turn 59.5.
by Go Blue 99
Thu Apr 16, 2015 8:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it ok to NOT have significant taxable investments?
Replies: 48
Views: 4663

Re: Raising well-adjusted children when you're "rich"?

This topic hits home for me. I didn't have too much growing up (though we weren't dirt poor). I recall living in a roach-infested apartment in the city with my parents. When they did finally buy a place in the suburbs, it was a very simple 2 bed/1 bath condo. We rarely went out to eat and took a vac...
by Go Blue 99
Wed Apr 15, 2015 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3465

Re: Does your family know about your net worth (ball park)?

From looking at the recent annual income poll result, I think most BHs are already millionaires or will become one. Q1. Does your family (parents, siblings) know about your net worth (ball park figure)? They could probably guess the range. We are 30somethings and have pretty good but not "ball...
by Go Blue 99
Tue Apr 14, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11232

Re: Best fish oil/omega-3 supplement?

Dutch wrote:Nordic Naturals: Ultimate Omega.

It's not inexpensive, but the brand scores high in independent outside tests for purity and non-rancidness. And that's important to me.


+1
by Go Blue 99
Sat Apr 11, 2015 10:54 am
 
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1233

Re: How to know if I am saving enough?

Only 45%? You really need to cut back on your frivolous spending!

Of course I kid. If you can continue to save 45% for the long-term, you are going to retire early and retire very wealthy.
by Go Blue 99
Fri Apr 10, 2015 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: How to know if I am saving enough?
Replies: 25
Views: 2684

Re: "The world's largest non-commercial financial forum".

Out of curiosity, what are the commercial forums that are bigger than Bogleheads?
by Go Blue 99
Wed Apr 01, 2015 8:32 am
 
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 34
Views: 3226

Re: Should a true BH visit this forum regularly?

That's the beauty of the simple Boglehead philosophy. Once your plan is in place, you don't have to visit regularly. I've been a Boglehead since 2001, and lived on the M* forums back then. Then I basically took a break from 2005-2009. I stayed the course that entire time and ignored the noise.
by Go Blue 99
Wed Apr 01, 2015 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Should a true BH visit this forum regularly?
Replies: 32
Views: 3022

Re: Smartest Financial Move You Ever Made

1) Discovered the Vanguard Diehards board in 2001, and therefore learned Boglehead principles right out of college

2) Married a non-materialistic woman with high earning potential, no debt, and access to a little bit of family money
by Go Blue 99
Mon Mar 30, 2015 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 13788

Re: Interesting investment Podcasts

I enjoy the Jill on Money podcast. She is a big believer in index funds.

www.jillonmoney.com
by Go Blue 99
Mon Mar 30, 2015 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Interesting investment Podcasts
Replies: 9
Views: 1229

Re: Orbitz vs Expedia vs Delta

I am very surprised. Did you actually end up booking the $872 fare? Orbitz & other online travel agencies (OTAs) get "cached" data (not the latest updated availability/fare) for initial display. Once you go through more steps in the booking process, OTAs gets the latest data from the ...
by Go Blue 99
Mon Mar 30, 2015 8:52 am
 
Forum: Personal Consumer Issues
Topic: Orbitz vs Expedia vs Delta
Replies: 22
Views: 2078

Re: Whats a good multi vitamin?

My Dr also says they aren't very beneficial. What about Omega/fish oil pills? Are these also not very beneficial? I'm currently taking Ultimate Omega by Nordic Naturals: http://smile.amazon.com/Nordic-Naturals-Ultimate-Omega-softgels/dp/B002CQU564/ref=sr_1_1?ie=UTF8&qid=1427555899&sr=8-1&...
by Go Blue 99
Sat Mar 28, 2015 10:19 am
 
Forum: Personal Consumer Issues
Topic: Whats a good multi vitamin?
Replies: 17
Views: 1265

Re: Recurring utility bills - How do you pay?

We use autopay for all utilities, as well as credit cards. I think it's a huge time saver. But I also log into Mint often to look for any odd charges.
by Go Blue 99
Sat Mar 28, 2015 8:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3082

Re: Can I afford a $500,000 house?

I think you'd be fine with those stats, especially if you are expecting any solid salary increases. But I'm also someone whose "biggest financial mistake" was not splurging for the nicer house.
by Go Blue 99
Sat Mar 28, 2015 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 41
Views: 4995

Re: What was your costliest investment mistake?

My biggest potential mistake was, ironically, being too financially conservative when buying our home. Our income wasn't high enough at the time to afford a house, so we purchased a townhome in the same subdivision. While we have seen very good appreciation, the homes in our subdivision have seen ev...
by Go Blue 99
Fri Mar 27, 2015 9:24 am
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 138
Views: 13698

Re: Can I afford a $1M house?

I would want to know your job security level, as well as your future career progress. Is there an opportunity for bigger raises?

Personally I like using the rule of mortgage= no more than 3x gross income.
by Go Blue 99
Fri Mar 27, 2015 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 74
Views: 7983

Re: Why 529 plan makes any sense??

(1) Tax-free growth/redemption (2) Tax-deductible (depending on state) contributions (3) Behavioral economics benefits of separating money from bigger pool (4) Signaling effects to intended recipient There are more. Turning it around what do you see as negative about a 529 plan? 4) Then, the childr...
by Go Blue 99
Wed Mar 25, 2015 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8807

Re: Vanguard Windsor II Fund

I've held Windsor II since 2002 in an IRA. I selected it to fill my Large Cap Value bucket in my AA plan. From threads over the years on here, it seems Vanguard Value Index is the recommended option though for LCV. As our overall retirement accounts get larger, I'll likely move it all into TSM thoug...
by Go Blue 99
Mon Mar 23, 2015 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Windsor II Fund
Replies: 11
Views: 1903

Re: helping adult children with house downpayment

My parents gifted us a 5% down payment for our townhome (back when 5% was the norm). We could have afforded it on our own, but they had the money and offered it to us. It was very generous and we have no regrets.
by Go Blue 99
Thu Mar 19, 2015 11:59 am
 
Forum: Investing - Theory, News & General
Topic: helping adult children with house downpayment
Replies: 30
Views: 2734

Re: State 529 Plan - How much to contribute?

Another Atlanta resident chiming in. We contribute $2k per year to the GA plan, and then put the rest in the Utah plan. I like the ability to slice and dice in the UT plan; otherwise I would be happy with the Vanguard NV or NY plans.
by Go Blue 99
Wed Mar 18, 2015 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: State 529 Plan - How much to contribute?
Replies: 32
Views: 2577

Re: Negotiate daycare rate?

A well-regarded place like Goddard will likely give you the car salesman line for popular models. "If you don't want to pay X, I can easily find someone else that will".
by Go Blue 99
Wed Mar 18, 2015 8:20 am
 
Forum: Personal Consumer Issues
Topic: Negotiate daycare rate?
Replies: 24
Views: 2243

Re: What won't you pay with Credit Card?

I always use cash to pay for drinks at a bar. I've had many friends forget to close out their tab at the end of the night. Or had bartenders accidentally add other people's drinks to their tab.
by Go Blue 99
Sun Mar 15, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8569

Re: Which 529 plan are you using?

GA up to the tax deduction, UT after that.
by Go Blue 99
Fri Mar 13, 2015 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan are you using?
Replies: 49
Views: 3105

Re: BEWARE-Dell Computer Tech Service (India)

bertie wooster wrote:Instead of calling it "Dell tech service (India)" you could just call or Dell tech service.


+1. It's very odd that OP is doing that.
by Go Blue 99
Wed Mar 11, 2015 9:20 am
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3523

Re: At what point is it too much house? How much do we need

I have quite a few family members and friends that own houses over 4k square footage. None of them have ever told me they've regretted buying such a big house. On the flip side, I have had people tell me they regret buying a smaller place. They are usually young parents with growing families. They e...
by Go Blue 99
Mon Mar 09, 2015 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is it too much house? How much do we need?
Replies: 52
Views: 4811

Re: Anyone had your home appraised recently?

We had a PenFed re-fi done in the fall. The appraisal came in at $348k or so. Zillow shows $525k. I think much of it is due to Zilllow categorizing it as a SFH, when it's actually a townhouse.
by Go Blue 99
Fri Mar 06, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone had your home appraised recently?
Replies: 23
Views: 1756

Re: Buy home in area with only good PK-8 public schools?

We are in a similar situation. We live in a school district that has a great elementary school, but mediocre schools after that. We are debating when to move to a better school district (baby is only 1). We love it in this neighborhood and would like to delay our move as much as possible, but I also...
by Go Blue 99
Fri Mar 06, 2015 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 2988

Re: Can I afford it?

With your financial stats and savings rate, of course you can afford it. We're not talking a Ferrari here. But you could put that money to other use in a much better way. We purchased a new SUV right before baby recently came along. I'm a big car guy and heavily researched luxury brands Infiniti and...
by Go Blue 99
Tue Mar 03, 2015 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 5914

Re: Talking Salary Tomorrow - HELP!

It doesn't sound like you are going to get much of a bump at the present company. As much as you may fear change, your best bet for a much higher salary would be to move to another company.
by Go Blue 99
Tue Mar 03, 2015 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Talking Salary Tomorrow - HELP!
Replies: 17
Views: 2675

Re: Favorite chocolate candy

Dark chocolate, at least 72%. Ghirardelli and Endangered Species make good quality dark chocolate at a reasonable price.
by Go Blue 99
Sun Mar 01, 2015 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 51
Views: 3783

Re: Do you consider mortgage payments as savings?

When I calculate our savings rate, I only include extra mortgage payments.
by Go Blue 99
Sat Feb 28, 2015 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 21628

Re: What % of your gross income do you spend on mortgage/ren

We will be at 12% after our raises kick in next month. This includes taxes, insurance, and HOA.

Wife is already talking about buying a house if/when we have another kid, so eventually this number will increase. I'd like to keep it under 20% of gross.
by Go Blue 99
Tue Feb 24, 2015 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 9290

Re: Who's going to Disney this summer?

Our daughter is not even 1 yet and the future Disney experience is already stressing me out :) I'd love to go off-peak due to better weather and lower prices, but we'll have to work around her school break schedule.
by Go Blue 99
Tue Feb 24, 2015 11:38 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5334

Re: Help! I can't afford to eat on my South Beach vacation

We were in South Beach for a bachelor party a few months ago. One of the best meals we had was at Maoz on Washington Ave. This is a falafel joint that is very popular and very cheap (they have locations in NYC and Paris also that I've been to).
by Go Blue 99
Tue Feb 24, 2015 11:35 am
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 5211

Re: What video games are you currently playing?

mindboggling wrote:I don't think I've ever played a video game. But I'll bet their...like...totally awesome...y'know.


I think you are getting your stereotypes mixed up :wink:
by Go Blue 99
Thu Feb 19, 2015 2:55 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 11153

Re: What video games are you currently playing?

I'm still playing Grand Theft Auto 5 on the PS3. I'm about 45% complete, but I only play about 30 minutes per week.
by Go Blue 99
Thu Feb 19, 2015 2:53 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 11153

Re: Keurig-cup coffee makers - why?

I'm the only one in my household that drinks coffee, so having the one cup option is great. I also like variety- I don't want to pick one bag of grounds and be stuck with that flavor for months. This way I get to drink 4-5 different brands and flavors per week. Also, if you are on Slickdeals.net, yo...
by Go Blue 99
Fri Feb 06, 2015 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12769

Re: anyone here been to the Super Bowl?

Regardless, if your team wins or loses, tell us about your experience at the Super Bowl. :beer We got back late Monday night. We had an amazing weekend, highlighted by that game ending (happened on my side of the field also). Seattle fans outnumbered Pats fans by probably an 8-1 margin. They even h...
by Go Blue 99
Wed Feb 04, 2015 9:42 am
 
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2625

Re: anyone here been to the Super Bowl?

petrico wrote:
Go Blue 99 wrote:(I'm a Patriots fan).

I'm ssssssort* of sssssssssurprised* you're willing to admit that, lately, lest your integrity be questioned. ;-)

* hiss of deflating balls


Yep, I really hope I'm not feeling deflated after the game next Sunday :wink:
by Go Blue 99
Sat Jan 24, 2015 7:58 am
 
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2625

anyone here been to the Super Bowl?

My brother-in-law generously surprised me with a Super Bowl trip last night (I'm a Patriots fan). He is covering the big stuff and I'll just have to pay for meals, drinks, parking, etc. This will be my first (and probably only) trip ever to watch the Super Bowl in person. Any tips or advice? I'll be...
by Go Blue 99
Wed Jan 21, 2015 6:06 pm
 
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2625

Re: What's Your International % and Why?

35% of equity. I came up with this after reading Four Pillars over a decade ago.
by Go Blue 99
Mon Jan 19, 2015 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 12573
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