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Re: Why Utah 529 instead of Vanguard 529?

Is there a way to determine the % of International in the Vanguard/Nevada 529 portfolios? I downloaded the guide and it doesn't seem to offer this detail. For example, for the Aggressive Growth Portfolio, it only says: Through its investment in Vanguard Institutional Total Stock Market Index Fund, t...
by Go Blue 99
Wed Apr 23, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Utah 529 instead of Vanguard 529?
Replies: 32
Views: 2264

Opening 529 in more than one state?

Our home state (Georgia) offers a tax deduction for the first $2k contributed each year to the Georgia 529. I'm considering using GA for the first $2k only, and then placing the rest of our contributions into the Utah Vanguard plan. Are there any negatives to this strategy, other than having to reme...
by Go Blue 99
Tue Apr 22, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opening 529 in more than one state?
Replies: 2
Views: 155

Re: All-inclusive resort vacation for $2K??

Your best bet would be Mexico (Cancun or Playa del Darmen area). There are a huge amount of AI resorts in various price ranges. Also flights from ATL are short and very reasonable in price.
by Go Blue 99
Wed Apr 16, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: All-inclusive resort vacation for $2K??
Replies: 19
Views: 2067

Re: Toaster Ovens

I'm a huge fan of the Panasonic FlashXpress. It uses special heating that makes it much quicker than regular toaster ovens (all of our guests are amazed by the speed). Also it just received the highest rating from CNET's recent toaster oven face-off.
by Go Blue 99
Wed Apr 16, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: Toaster Ovens
Replies: 15
Views: 988

Re: KeePass vs LastPass

We are using the free version of Lastpass and are happy with it.
by Go Blue 99
Thu Apr 10, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6019

Re: Options for the medical grad but no residency

One of my good friends went to med school in the Caribbean but didn't pass his exams when he got back. He ended up in hospital operations management and is doing amazingly well now.
by Go Blue 99
Thu Apr 03, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7167

Re: Frugal Fatigue

We decide on our priorities and don't skimp on them. We love travel and we love going to restaurants, so we don't deprive ourselves of those things. On the flip side, we are frugal in areas we don't put emphasis on. For example, we rarely go to movie theaters or pay for Netflix. We rarely go to Star...
by Go Blue 99
Tue Apr 01, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 9818

Re: Time and benefits vs. money.

Have you contacted recruiters to see if there is an Option C out there- possibly a private sector job that is closer to 40 hours (or shorter commute), but not a $15k income cut?
by Go Blue 99
Mon Mar 31, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Time and benefits vs. money.
Replies: 21
Views: 1574

Re: Will backdoor IRA be allowed in this situation?

Based on some searches, it appears she will be allowed to recharacterize the Roth as a traditional, and then immediately convert back to Roth via backdoor process.
by Go Blue 99
Thu Mar 27, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will backdoor IRA be allowed in this situation?
Replies: 4
Views: 467

Will backdoor IRA be allowed in this situation?

My wife contributed $5,500 to her Roth IRA in 2013. Due to some higher income than expected from a family business, we won't be eligible for the Roth. I'm trying to figure out what to do now and have read through the wiki here. I understand I can ask Vanguard to recategorize the Roth contribution as...
by Go Blue 99
Thu Mar 27, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Will backdoor IRA be allowed in this situation?
Replies: 4
Views: 467

Re: How did you decide how much to save?

We settled on a savings rate of 15% for retirement. I started saving in my early 20s, so we think 15% rate can give us a nice nest egg but still allow us to enjoy life today.

When we include non-retirement savings, we've been hitting 25-30% rate the last few years.
by Go Blue 99
Fri Mar 21, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9182

Re: washing machine - front loader or HE top loader?

We bought LG front-loaders in 2008 and have been very happy with them. They can get loud at times but nothing a closed door can't handle. Also, we leave the washer door open after a load in order to avoid the bad smell issue. Also, we are very happy we bought the pedestals as well, though they are o...
by Go Blue 99
Mon Mar 03, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 2795

Re: How has frugality impacted your marriage/LTR?

No effect on our 7 year marriage. Both of us can be frugal at times, but also agree on what to splurge on (vacations and eating out).
by Go Blue 99
Fri Feb 21, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How has frugality impacted your marriage/LTR?
Replies: 37
Views: 2818

Re: When to drop auto collision insurance?

I recently got a bunch of quotes for our policy, which covers a '14 model and an '07 model. Every quote I received recommended cancelling collision on the '07 due to its age. We actually ended up keeping it because the car is still worth a good amount.
by Go Blue 99
Thu Feb 20, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: When to drop auto collision insurance?
Replies: 21
Views: 2030

Re: POLL: Do you do you own taxes?

I did my own for about 15 years. Then we started to get a Schedule K-1 from my wife's family business and hired a CPA last year to do the taxes. We will probably use him again this year.
by Go Blue 99
Wed Feb 12, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you do your own taxes?
Replies: 54
Views: 3112

Re: Cord Blood? [Donating newborn cord blood to charity]

My wife is due next month, and we are using LifeBank USA to donate the cord blood. Our hospital (Northside) delivers more babies than any hospital in the country, yet they don't have any formal donation program. But going through LifeBank was very easy (and free). I did look into private banking, as...
by Go Blue 99
Mon Feb 10, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Cord Blood? [Donating newborn cord blood to charity]
Replies: 16
Views: 1535

Re: Bogleheads and Fast Food

3Wood85 wrote:The only "fast food" I eat is Chipotle, which I eat several times a month. I dont think that is on the same level as McDonalds, Burger King etc.


Yes, places like Chipotle are called "fast casual".
by Go Blue 99
Mon Feb 10, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads and Fast Food
Replies: 77
Views: 4444

Re: What interest rate did you get on your car loan?

5-year at 1.94%. I was going to use PenFed at 1.99% but the dealer had a better rate through PNC Bank.
by Go Blue 99
Wed Feb 05, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 3792

Re: Home Affordability - Good Income, Luxury Home

Go for it. 19% of net income is very reasonable. And I assume you'll still be getting raises.
by Go Blue 99
Tue Jan 28, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Affordability - Good Income, Luxury Home
Replies: 31
Views: 2826

getting term life: always go with cheapest cost?

We would like to open term life policies in the next couple of months as we are expecting our first child. I'm looking at quote sites such as zander.com and selectquote.com. When I do a search, the cheapest companies tend to be companies I've never heard of, such as Banner Life and Savings Life of M...
by Go Blue 99
Tue Jan 14, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: getting term life: always go with cheapest cost?
Replies: 4
Views: 463

Re: Thinking about buying a 2014 Acura RDX

We heavily researched it and really liked the car. However, the cargo size was tiny which was a dealbreaker for us.
by Go Blue 99
Mon Jan 13, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Thinking about buying a 2014 Acura RDX
Replies: 44
Views: 2979

Re: The Best Things in Life Are Partly Free

I love message boards for free knowledge. If I'm in the market to learn about something, I go to the message board for that subject (and there is always one). Pregnancy, watches, cars, etc. You can spend a few weeks on any of these boards and gain a bunch of knowledge from people eager to help you. ...
by Go Blue 99
Tue Dec 24, 2013 1:33 pm
 
Forum: Personal Consumer Issues
Topic: The Best Things in Life Are Partly Free
Replies: 17
Views: 2384

Re: New Year's Eve

Wife is pregnancy and my parents will be visiting, so we are just staying at home. Doubt the wife will even make it to midnight.

New Year's Day will be more fun. My friend is smoking pork butt for the bowl games.
by Go Blue 99
Mon Dec 23, 2013 5:26 pm
 
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 3098

Re: Direct TV?

We have been Directv customers for a decade, and love them. Excellent customer service and their retention dept will offer some very nice discounts when you are almost out of contract. I love their features too. For example, the guide data is in beautiful HD. Comcast and Fios guide data look like cr...
by Go Blue 99
Thu Dec 12, 2013 11:02 am
 
Forum: Personal Consumer Issues
Topic: Direct TV?
Replies: 42
Views: 3119

Re: Comfort food

Cheese fries.
by Go Blue 99
Wed Dec 04, 2013 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Comfort food
Replies: 68
Views: 3658

Re: buying car from dealership not close to your house?

Ok thanks all. I guess I should have realized Hyundai pays the dealer for warranty work, so it's not like they are doing it for free.
by Go Blue 99
Mon Dec 02, 2013 11:52 am
 
Forum: Personal Consumer Issues
Topic: buying car from dealership not close to your house?
Replies: 39
Views: 2331

buying car from dealership not close to your house?

I've been reading up on the strategy on getting the lowest new car price possible (emailing/calling every dealer and pitting them against each other). If you did this, did you have any concern about not buying from a dealership that is close to you? We are set on buying a new Hyundai. Via online inv...
by Go Blue 99
Mon Dec 02, 2013 10:36 am
 
Forum: Personal Consumer Issues
Topic: buying car from dealership not close to your house?
Replies: 39
Views: 2331

Re: Brooks Brothers outlet vs retail

I still shop at outlets, but I prefer to buy from the standard retail store in order to get the best quality. You can get great deals when clothing retailers offer clearance prices + extra % off coupon codes + free shipping.
by Go Blue 99
Tue Nov 26, 2013 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Brooks Brothers outlet vs retail
Replies: 36
Views: 3666

Re: Average Yearly Raises?

3.82%. My wife is at 5.78%.
by Go Blue 99
Mon Nov 25, 2013 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Average Yearly Raises?
Replies: 97
Views: 5343

Re: Thinning hair/ hair loss products

I've seen a lot of people recommend Nizoral shampoo. It is marketed as an anti-dandruff shampoo but apparently the active ingredient Ketoconazole helps to reduce DHT on the scalp. http://www.amazon.com/Nizoral-A-D-Anti-Dandruff-Shampoo-200/dp/B00EFM2SNG/ref=sr_1_2?ie=UTF8&qid=1384956474&sr=8...
by Go Blue 99
Wed Nov 20, 2013 10:10 am
 
Forum: Personal Consumer Issues
Topic: Thinning hair/ hair loss products
Replies: 35
Views: 2021

Re: Entry level DSLR recommendations

We just registered for the Nikon D3200. Seems to have great reviews and is under $500.
by Go Blue 99
Tue Nov 19, 2013 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Entry level DSLR recommendations
Replies: 19
Views: 1424

Re: Any one use Truecar.com?

Does the truecar price include doc fee?

Truecar price for the car I want seems very reasonable- $650 below invoice. I'm just wondering if they'll make me pay some type of doc fee on top of that.
by Go Blue 99
Mon Nov 18, 2013 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Any one use Truecar.com?
Replies: 19
Views: 2124

Re: Have you ever moved for lower cost of living?

I grew up in the Boston suburbs, and moved back there after college. Though I love the area, the high cost of housing was a big turn-off. The fact that a college-educated couple could barely afford a starter house did concern me, especially since I knew I wouldn't be a 6-figure earner. So I looked a...
by Go Blue 99
Fri Nov 08, 2013 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever moved for lower cost of living?
Replies: 72
Views: 5913

Re: Men's Leather Belt: Recommendations?

I love slide belts with no holes, as I always seem to be between holes for a perfect fit. Unfortunately not many companies make them anymore. I have a brown one from Banana Republic that I've been using for years. I did look at that Mission company, but find that logo to be a bit odd. I prefer a pla...
by Go Blue 99
Fri Nov 01, 2013 10:23 am
 
Forum: Personal Consumer Issues
Topic: Men's Leather Belt: Recommendations?
Replies: 45
Views: 4605

Re: Does anyone own a Hyundai?

We have a baby on the way and are interested in the newly redesigned Santa Fe Sport (the 5 seater). Anyone own this? I'm impressed by all of the tech available, and my wife and I agree it's the best looking of any CUV (not including the Audi Q5, which is more than we want to spend).
by Go Blue 99
Mon Oct 28, 2013 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone own a Hyundai?
Replies: 71
Views: 6490

Re: The New Conumer Reports on Cars

CR also revoked its recommendation for the new Honda Accord (V6 version).
by Go Blue 99
Mon Oct 28, 2013 5:31 pm
 
Forum: Personal Consumer Issues
Topic: The New Consumer Reports Issue on Cars
Replies: 26
Views: 4948

Re: Moving to Dallas, TX

What about Austin? I've heard it blows Dallas and Houston away.
by Go Blue 99
Thu Oct 24, 2013 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Dallas, TX
Replies: 76
Views: 5363

Re: Boston Area Part time MBA advice

Can't really answer this until we know more about your field/company. Is the MBA more of a checkbox item in order for you to move up? Or do you need it for industry connections? Do you work in a field where only elite school MBAs are hired? Those answers should decide your choice. I actually did con...
by Go Blue 99
Thu Oct 24, 2013 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Boston Area Part time MBA advice
Replies: 12
Views: 1154

Re: 2013/2014 Honda accord - any better values?

The Touring edition is very nice. I would definitely consider buying that if we didn't need more cargo space for baby gear. The LED headlights and LED DRL's are quite impressive, and I like the Blind Spot camera. The only thing I don't care for is the wheels (the wheels on the Sport model are much b...
by Go Blue 99
Thu Oct 24, 2013 12:47 pm
 
Forum: Personal Consumer Issues
Topic: 2013/2014 Honda accord - any better values?
Replies: 66
Views: 10943

Re: Easy solution

they are one of the few local dealerships that doesn't affix a dealer logo to the back of the car (I absolutely hate this).? Me too. Here is what I do and have done for the last 4 cars purchased. The sales guy hands you the contract to sign. You add "Dealer agrees to not attach any dealer insi...
by Go Blue 99
Mon Oct 14, 2013 5:42 pm
 
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 65
Views: 8261

Re: My New Car Buying Tips

Thanks for tips- this is useful as we are buying a new car in the next 3-4 months. Question- I have a specific car that is at the top of the list, and I know the exact options and colors I would get (flexible on color). However, we have not test driven it yet so obviously need to do that before we m...
by Go Blue 99
Mon Oct 14, 2013 11:56 am
 
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 65
Views: 8261

Re: Breaking Bad (TV Show)

Vince Gilligan reveals 5 alternate endings he was considering:

http://entertainment.time.com/2013/10/0 ... d-endings/
by Go Blue 99
Wed Oct 02, 2013 9:25 am
 
Forum: Personal Consumer Issues
Topic: Breaking Bad (TV Show)
Replies: 74
Views: 6125

Re: Car advice needed with baby on the way

Ok cool, the Chicco Keyfit 30 is being passed down to us by my sister-in-law.
by Go Blue 99
Tue Oct 01, 2013 11:42 am
 
Forum: Personal Consumer Issues
Topic: Car advice needed with baby on the way
Replies: 10
Views: 480

Re: Car advice needed with baby on the way

Jamieson22 wrote:Can't you put the car seat in the middle in the Lexus? If between the front seats it should allow more legroom up front.


The manual says car seats should be placed in the outboard positions only.
by Go Blue 99
Tue Oct 01, 2013 11:13 am
 
Forum: Personal Consumer Issues
Topic: Car advice needed with baby on the way
Replies: 10
Views: 480

Car advice needed with baby on the way

We are expecting our first child in March. Our current cars are an ’04 Mazda 3 sedan and an ’07 Lexus IS250. The Mazda 3 won’t be an option as a baby hauler because its AC is very weak in the Atlanta heat. We are going to see if the Lexus will work, but based on some threads on the IS250 message boa...
by Go Blue 99
Tue Oct 01, 2013 10:37 am
 
Forum: Personal Consumer Issues
Topic: Car advice needed with baby on the way
Replies: 10
Views: 480

Re: Nissan Murano vs. Acura RDX vs. ??

OP- what did you end up buying?
by Go Blue 99
Mon Sep 16, 2013 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Nissan Murano vs. Acura RDX vs. ??
Replies: 35
Views: 4734

Re: Are you an Iphone or Android guy?

I've had both. I prefer Android due to the customization possibilities. I have iPhone now though, due to the iMessage feature. I have a limited text plan and pretty much everyone I know is on iPhone, so I can text them for free.
by Go Blue 99
Wed Sep 11, 2013 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 6602

Re: What Personal Finance Magazines do you read?

I subscribe to Money. I don't read it for the advice, but enjoy the profiles they do of real families.
by Go Blue 99
Tue Sep 03, 2013 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Personal Finance Magazines do you read?
Replies: 60
Views: 3876

Re: Vacation cost rule of thumb

After paying our bills and contributing to retirement & savings, any leftover money is fair play to spend on vacations. Vacations is actually the only item we don't budget for. We love to travel and work time off is typically our limiting factor, not money.
by Go Blue 99
Tue Sep 03, 2013 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Vacation cost rule of thumb
Replies: 30
Views: 4176
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