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by Go Blue 99
Tue May 26, 2015 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: At what point does 529 make sense
Replies: 24
Views: 2800

Re: At what point does 529 make sense

livesoft wrote:@GoBlue, you are aware that one can withdraw penalty-free from IRAs to pay for college? Plus IRA assets are "sheltered" from financial aid calculations in most instances.


We do max out IRAs. It's the 401k we aren't maxing out. Are 401k assets sheltered from fin aid calculations?
by Go Blue 99
Tue May 26, 2015 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: At what point does 529 make sense
Replies: 24
Views: 2800

Re: At what point does 529 make sense

We are putting some money in a 529, even though we aren’t maxing out retirement accounts. We want to fully pay for an in-state school, and our child will be in college before we turn 59.5. So we’ll need to pull the money from somewhere, and have decided on a 529. Our retirement balances are on track...
by Go Blue 99
Tue May 26, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 119
Views: 5955

Re: Once in a life time trip.

I like the island hopping in Hawaii idea. They can see some beautiful scenery and enjoy fun activities, as Hawaii is not just about sitting on the beach all day. At age 8, they probably are going to enjoy beach and sport activities, rather than museums, etc (then European vacation would be a great o...
by Go Blue 99
Thu May 21, 2015 9:27 am
Forum: Investing - Theory, News & General
Topic: How 529 college savers invest.
Replies: 16
Views: 1634

Re: How 529 college savers invest.

This is for a 1 year old.

45% TSM
25% Small Cap
30% Intl
by Go Blue 99
Wed May 20, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Should we upgrade our living situation (HCOL area)?
Replies: 8
Views: 589

Re: Should we upgrade our living situation (HCOL area)?

Go for the house. I was raised in a small 2 bedroom/1 bath condo, and it wasn't ideal. My parents bought the condo because they didn't want to borrow more money to get a single family home (HCOL area). By the time they improved their income situation years later, they were priced out of the SFH mark...
by Go Blue 99
Thu May 14, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 2741

Re: Auto-braking systems in cars - experiences?

I've been rear-ended twice in the past few years. I wish more drivers had auto-braking systems in their cars.
by Go Blue 99
Thu May 14, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Networth question
Replies: 54
Views: 4446

Re: Networth question

We include home equity. Logically, it doesn't make sense to me that someone could be making huge extra principal payments, and have that hurt their net worth.
by Go Blue 99
Wed May 13, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9212

Re: I Hate Vacations

My parents are like this. They have no interest in leisure vacations- they don’t like eating out, staying in random hotels, seeing new places, etc. They are also too frugal to spend money on vacations, even though they have more than enough money. They only travel in order to see family. My mom gets...
by Go Blue 99
Wed May 13, 2015 8:17 am
Forum: Personal Finance (Not Investing)
Topic: New Baby - Need Life Insurance!
Replies: 5
Views: 596

Re: New Baby - Need Life Insurance!

I used Zander Insurance, and went with the cheapest company they had, even though I had never heard of that company previously.
by Go Blue 99
Tue May 12, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: 529 plans- Are they part of your overall A.A?
Replies: 22
Views: 1118

Re: 529 plans- Are they part of your overall A.A?

We don't calculate 529 savings in our retirement AA. I have a separate AA for the 529.
by Go Blue 99
Thu May 07, 2015 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: How much home can we afford (Short Post)
Replies: 8
Views: 832

Re: How much home can we afford (Short Post)

Do you have a monthly budget? Rules of thumb based on income are okay, but I'd rather use a budget and determine how much of a payment I want to have per month. None of us know how much you like to spend on vacations, eating out, etc.
by Go Blue 99
Thu May 07, 2015 9:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services now live
Replies: 38
Views: 5386

Re: Vanguard Personal Advisor Sevices now live

I'll definitely look into this as something I would tell my wife to use if I die first. Better this than having her find a random person through a friend of a friend that charges 1%.
by Go Blue 99
Wed May 06, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: escrow increase...
Replies: 28
Views: 1873

Re: escrow increase...

I've received this type of letter before. Basically they've taken my maximum negative balance, added 2 months buffer (I believe that's the max allowed by law), and then divide that by 12 months. That is the amount my payment will increase by.
by Go Blue 99
Mon May 04, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: electric water heater keeps tripping
Replies: 7
Views: 329

Re: electric water heater keeps tripping

So one of the thermostats is over-temp tripping. Does the water get crazy hot before it trips or are things normal? If normal, it would seem that replacing the thermostat might be in order. Actually we did notice very hot water temperatures in the two days before it tripped for the 1st time. Not su...
by Go Blue 99
Mon May 04, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: electric water heater keeps tripping
Replies: 7
Views: 329

Re: electric water heater keeps tripping

What exactly is tripping? When my water heater started tripping the circuit breaker, the electrician said it was the breaker failing. (They're designed to fail-safe, meaning they trip on less than specified load.) Once the breaker was replaced, all was well. Is it possible that whatever is tripping...
by Go Blue 99
Mon May 04, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: electric water heater keeps tripping
Replies: 7
Views: 329

electric water heater keeps tripping

We noticed we had no hot water one day last week. We have an electric heater and saw that it had to be reset (the heater is 7 yrs old and had never tripped before). It worked fine for a few days, but unfortunately it to be reset again a few days later. We went out of town for a long weekend, and aga...
by Go Blue 99
Sun May 03, 2015 6:50 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 3343

Re: What's new and changed in phpBB 3.1

New site looks great on my iPhone 6. No more pinching to view threads.

The font is huge on my iPad but not a big deal to me.
by Go Blue 99
Wed Apr 29, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: 25 year old baseball cards and coins worth anything?
Replies: 16
Views: 3218

Re: 25 year old baseball cards and coins worth anything?

I spent more money on cards than anything else in my youth. I remember studying Beckett Magazine. Now they are sitting in my parents' condo and my mom wants to toss all of them. A grade school friend of mine had a huge collection. He told me his plan was to keep passing them down generations, and if...
by Go Blue 99
Wed Apr 29, 2015 7:59 am
Forum: Personal Consumer Issues
Topic: 2 iphones on 1 itunes account experiences?
Replies: 18
Views: 1232

Re: 2 iphones on 1 itunes account experiences?

This is a minor thing, but if you use PhotoStream, then sharing one account will only allow you one single name for making comments and liking pictures that are posted on PhotoStream. For example, we have a family PhotoStream set up where people post pictures. There is one married couple that shares...
by Go Blue 99
Sat Apr 25, 2015 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pharmacy School Loan Advice
Replies: 17
Views: 2061

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
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: 4883

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 11:55 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 3680

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 10:17 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 11125

Re: How much do you pay in Property Taxes?

Roughly 1.2% of market value. This is in Atlanta.
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: 1676

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
Thu Apr 16, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 25117

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 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Is it ok to NOT have significant taxable investments?
Replies: 48
Views: 4825

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
Wed Apr 15, 2015 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3611

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
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: 11574

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
Sat Apr 11, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1276

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
Fri Apr 10, 2015 8:25 am
Forum: Personal Finance (Not Investing)
Topic: How to know if I am saving enough?
Replies: 25
Views: 2731

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
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: 3500

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 8:28 am
Forum: Investing - Theory, News & General
Topic: Should a true BH visit this forum regularly?
Replies: 32
Views: 3200

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
Mon Mar 30, 2015 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 14472

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 10:41 am
Forum: Investing - Theory, News & General
Topic: Interesting investment Podcasts
Replies: 10
Views: 1605

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 8:52 am
Forum: Personal Consumer Issues
Topic: Orbitz vs Expedia vs Delta
Replies: 22
Views: 2210

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
Sat Mar 28, 2015 10:19 am
Forum: Personal Consumer Issues
Topic: Whats a good multi vitamin?
Replies: 17
Views: 1306

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 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3189

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 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 43
Views: 5799

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
Fri Mar 27, 2015 9:24 am
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 138
Views: 14312

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 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 74
Views: 8242

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
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: 9435

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
Mon Mar 23, 2015 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Windsor II Fund
Replies: 11
Views: 1970

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
Thu Mar 19, 2015 11:59 am
Forum: Investing - Theory, News & General
Topic: helping adult children with house downpayment
Replies: 30
Views: 2808

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
Wed Mar 18, 2015 9:38 am
Forum: Investing - Help with Personal Investments
Topic: State 529 Plan - How much to contribute?
Replies: 32
Views: 2688

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 8:20 am
Forum: Personal Consumer Issues
Topic: Negotiate daycare rate?
Replies: 24
Views: 2339

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
Sun Mar 15, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 9185

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
Fri Mar 13, 2015 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan are you using?
Replies: 49
Views: 3277

Re: Which 529 plan are you using?

GA up to the tax deduction, UT after that.

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