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Re: Personal finance podcast to replace Marketplace Money?

Thanks for the recommendation on "Jill on Money". Her podcast is enjoyable and I like that her callers tend to have a higher net worth, so the discussions are a little more advanced.
by Go Blue 99
Thu Jul 24, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal finance podcast to replace Marketplace Money?
Replies: 11
Views: 1235

Re: Slice and Dicers -- Plans when you can't manage it anymo

I'll instruct my wife to use Vanguard Personal Advisory services. She has no interest in managing investments so the 0.3% fee will be well worth it.
by Go Blue 99
Tue Jul 22, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2142

Re: Bloomberg rates Large Company 401k plans

Interesting data, thanks for posting. My megacorp is ranked in the 60's.
by Go Blue 99
Tue Jul 22, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bloomberg rates Large Company 401k plans
Replies: 15
Views: 1697

Re: How to track expenses to the penny?

I find mint.com to be excellent for tracking spending. You can split your generic Target/Walmart bills into various categories also.
by Go Blue 99
Tue Jul 22, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 40
Views: 2509

Re: Large Cap Value -- worth the effort?

Any more thoughts on whether Large Cap Value is worth the effort?

I've held a LCV allocation in Windsor II since reading Four Pillars of Investing in 2002. I'm considering moving that allocation into TSM to simplify things (neither my wife's nor my 401k offers a LCV fund).
by Go Blue 99
Fri Jul 18, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Cap Value -- worth the effort?
Replies: 8
Views: 1103

Re: Thoughts on 100% stock allocation for 33 year old

I've been at 100% stock since I started investing in my early 20s. I lost 40% in '08 but stayed the course with not even a minute of hesitation. The way I look at it, it's not a real loss until I sell. But now as we are getting older we've started our glide path and recently moved to 95/5. My co-wor...
by Go Blue 99
Mon Jul 14, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6146

Re: Should I try to re-fi my mortgage?

Novine wrote:How did that compare to Zillow? I've been curious as to how well that tracks actual appraisals.


County property tax appraisal: $344,000
PenFed Appraiser: $346,000
Zillow: $406,000

I think we would get $375-385k if we sold now.
by Go Blue 99
Mon Jul 14, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I try to re-fi my mortgage?
Replies: 26
Views: 3273

Re: Should I try to re-fi my mortgage?

We're in the same boat but in the 'burbs. But we plan on staying in our house. Did you have any problems hitting your target on the appraisal? The appraisal was definitely on the conservative side based on how hot our local market is. But it did match what our recent property tax appraisal shows, s...
by Go Blue 99
Mon Jul 14, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I try to re-fi my mortgage?
Replies: 26
Views: 3273

Re: Should I try to re-fi my mortgage?

How did the process go for you? There have been some threads where people were not completely happy with the process. As many have reported, the re-fi process with them is very slow. Emails don't get answered for a couple of days. Attention to detail is lacking- for example, sending an email but fo...
by Go Blue 99
Mon Jul 14, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I try to re-fi my mortgage?
Replies: 26
Views: 3273

Re: Should I try to re-fi my mortgage?

We closed yesterday on our 5/5 Penfed ARM re-fi at 2.875% and no closing costs. Including the PMI we were finally able to get rid of, our monthly payment is going down by $450 :beer Thanks to all that helped- I never would have considered an ARM until I saw many people here recommending it. It's an ...
by Go Blue 99
Sun Jul 13, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I try to re-fi my mortgage?
Replies: 26
Views: 3273

Re: What finance experts do you follow on Twitter?

wesef wrote:It's ironic to post in an internet forum challenging the "large quantities of short, imprecise statements" on Twitter.


Good point. Some people just enjoy blasting things they are unfamiliar with.
by Go Blue 99
Wed Jul 09, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 35
Views: 4515

What finance experts do you follow on Twitter?

I'm following @larryswedroe, @rick_ferri, and of course @vanguard.

Who else do you recommend following?

edit: typo in Ferri's handle
by Go Blue 99
Wed Jul 09, 2014 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 35
Views: 4515

Re: Who do you talk with about your financial goals?

I have a co-worker who is big into saving and investing, so we discuss the topic often and different moves we are making. But i don't share dollar amounts with anyone.
by Go Blue 99
Sun Jun 29, 2014 7:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9064

Re: NY Times: Not enough younger investment advisors

When I was in b-school, I took a Personal Financial Planning class as an elective and loved it. I briefly looked into it as a career, but was turned off by the salesmanship factor. I didn't want to be that guy trying to recruit clients at a neighborhood barbecue.
by Go Blue 99
Fri Jun 27, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times: Not enough younger investment advisors
Replies: 72
Views: 7271

Re: Can I afford a house in this price range? ($500k)

I’d be fine with that. $500k house minus $70k down payment would be mortgage of $430k. That is within the guidelines of mortgage=3x gross income. Just be ready to cut back on other items such as vacations, dining out, clothing, etc if you start feeling house poor.
by Go Blue 99
Wed Jun 25, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house in this price range? ($500k)
Replies: 31
Views: 4396

Re: Anyone here use Personal Capital?

I signed up for Personal Capital a couple of weeks ago, but haven't had much time to explore it yet. I love mint.com for tracking spending, but wanted something that analyzes my investment performance (IRAs at Vanguard, my 401k at Fidelity, wife's 401k at Putnam). I see that Vanguard offers a Vangua...
by Go Blue 99
Tue Jun 24, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 48
Views: 4378

Re: Dave Ramsey - no small cap value

He also keeps saying the funds he invests in average 12% return long term. He never names them though. He just says talk to one of his endorsed advisors.
by Go Blue 99
Sat Jun 21, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - no small cap value
Replies: 22
Views: 2517

Re: Experience with PenFed refinance

I'm hoping someone familiar with PenFed or the re-fi process in general can help with this question. I'm in the middle of a re-fi with PenFed. They told me they can't approve me unless I have 20% equity. Home is appraised at $346,000 so they can only offer me a loan of $276,800. My outstanding balan...
by Go Blue 99
Wed Jun 18, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 69
Views: 3193

Re: Experience with PenFed refinance

I'm in the middle of a PenFed re-fi and the process has been slow. The processor has been very good about returning emails though. As I understand, the popular no closing re-fi promotion has given them a big backlog of applications to go through. Go Blue 99 - Can you please point me to the no closi...
by Go Blue 99
Wed Jun 18, 2014 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 69
Views: 3193

Re: Experience with PenFed refinance

I'm in the middle of a PenFed re-fi and the process has been slow. The processor has been very good about returning emails though. As I understand, the popular no closing re-fi promotion has given them a big backlog of applications to go through. Go Blue 99 - Can you please point me to the no closi...
by Go Blue 99
Wed Jun 18, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 69
Views: 3193

Re: No bonds at all.

I've been 100% equity since I started investing in 2001. I lost 40% of my balance in '08 but stayed the course. Now in my mid 30s and will start glide path to bonds in a few years.
by Go Blue 99
Tue Jun 17, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11795

Recommend a personal finance talk radio show.

I enjoy listening to talk radio where people call in with personal finance or portfolio questions and ask for advice. I sometimes listen to Dave Ramsey, but looking for something more financially advanced. Do you have any recommendations that I can stream online? Thanks.
by Go Blue 99
Mon Jun 16, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommend a personal finance talk radio show.
Replies: 15
Views: 1224

Re: With no children, who will take care of my finances?

What about the new Vanguard advisory service that charges 0.3%?
by Go Blue 99
Sun Jun 15, 2014 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: With no children, who will take care of my finances?
Replies: 53
Views: 5704

Re: I need a Bogleheads reminder

Is there a middle ground option? Say 1.5x income?
by Go Blue 99
Fri Jun 13, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need a Bogleheads reminder [New home - how much to spend?]
Replies: 44
Views: 2750

Re: As Bogelheads, a comforting thought for everyone....

Well said! I manage my parents' finances and actually had to sit them down last year and tell them that they had to pick up the pace of their spending. Instead of two weeks in Florida, I encouraged them to take four. When they flew out to see us, I encouraged them to splurge on Business Class ticke...
by Go Blue 99
Thu Jun 12, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: As Bogleheads, a comforting thought for everyone....
Replies: 46
Views: 4793

Re: does frugality result in lower career ambition?

Do you believe that living a frugal lifestyle can sometimes result in having less career ambition? If you can learn to live and save on less, and not have to worry about keeping up with Joneses, you don’t need as high of a salary. Therefore, you may be reluctant to put in the extra hours and keep c...
by Go Blue 99
Tue Jun 10, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8330

Re: Experience with PenFed refinance

I'm in the middle of a PenFed re-fi and the process has been slow. The processor has been very good about returning emails though. As I understand, the popular no closing re-fi promotion has given them a big backlog of applications to go through.
by Go Blue 99
Tue Jun 10, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 69
Views: 3193

Notification option when you are quoted?

I did a search but couldn't find any existing topics on this. Is anyone else interested in an option where you get notified (pop-up typically) when you are quoted? This is available on a few other message boards I frequent, and I think it's useful when you don't have time to view every recent topic ...
by Go Blue 99
Mon Jun 09, 2014 5:30 pm
 
Forum: Forum Issues and Administration
Topic: Notification option when you are quoted?
Replies: 4
Views: 398

Re: POLL: Do/did you get a match? How much?

I work at a megacorp and get 6% guaranteed match. There is also a bonus match based on company performance. Last year we received a total 9% match.

My wife's mid-sized company has a flat maximum match of $1,150.
by Go Blue 99
Sat Jun 07, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do/did you get a match? How much?
Replies: 67
Views: 4176

Re: Best lender to refinance mortgage?

I'm in the middle of doing a refi with Penfed. They have a great reputation on this board.
by Go Blue 99
Sat Jun 07, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 884

Re: possible to have TOO MUCH in 401k account?

This is why I am saving some money in taxable accts instead of fully maxing out retirement. I've been saving for retirement since my early 20s and all for having a healthy nest egg. But I also want flexibility for some of my money in case I want to spend it before I am retired. I know it may not be ...
by Go Blue 99
Thu Jun 05, 2014 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: possible to have TOO MUCH in 401k account?
Replies: 54
Views: 7221

Re: Morningstar Portfolio Tracking or is there a better trac

For those using SigFig- do you give them your Vanguard username and pw so they can pull your info? Or do you input your holdings manually?

I ask because there is a thread on the Personal Finance board about Mint.com and not putting your investment accts on there due to possible hacks.
by Go Blue 99
Wed Jun 04, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Portfolio Tracking or is there a better tracker?
Replies: 28
Views: 1830

Re: Where do all of you buy your term life insurance?

We recently bought policies from American General and Savings Bank of MA. We used zanderins.com to get quotes.
by Go Blue 99
Wed Jun 04, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do all of you buy your term life insurance?
Replies: 12
Views: 968

Re: Poll: Luxury and Happiness

I voted Often, but also could have chosen Always. I do months or even years of research before buying any luxury item, so typically if I purchase it I know it’s going to please me. When we travel, we enjoy staying in luxury resorts, or often upgrade to rooms with a view. I savor these experiences an...
by Go Blue 99
Wed Jun 04, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 8063

Re: Thoughts on using Mint.com?

Don't really care for Mint's investment option, but use is religiously for everyday spending analysis. It's a fantastic tool! The analysis it does would be extremely hard and tiresome to do manually. I've decided just to add my investment accounts' total value as "other property" in Mint ...
by Go Blue 99
Tue Jun 03, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on using Mint.com?
Replies: 36
Views: 1951

Re: 20% return on Amazon gift card purchase (ends 6/15)

Great deal. But you may want to put "Amazon Student required" in the subject line.
by Go Blue 99
Tue Jun 03, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: 20% gift card bonus, Amazon Student required (ends 6/15)
Replies: 1
Views: 778

Re: 401(k) balances jump, but there's room for improvement."

Interesting that vanguard recommends savings rate of 12-15%, including match. Most on this board would recommend much higher.
by Go Blue 99
Mon Jun 02, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: 401(k) balances jump, but there's room for improvement."
Replies: 3
Views: 505

does frugality result in lower career ambition?

Do you believe that living a frugal lifestyle can sometimes result in having less career ambition? If you can learn to live and save on less, and not have to worry about keeping up with Joneses, you don’t need as high of a salary. Therefore, you may be reluctant to put in the extra hours and keep ch...
by Go Blue 99
Mon Jun 02, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8330

Re: Georgia Retirement Income Exclusion

And this is important enough that I added it to the State Income Taxes wiki page, for the benefit of people who plan to retire in GA and Bogleheads giving advice to them. In particular, most GA investors should prefer traditional to Roth accounts, because they can deduct contributions to traditiona...
by Go Blue 99
Mon Jun 02, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Georgia Retirement Income Exclusion
Replies: 11
Views: 993

Re: Georgia Retirement Income Exclusion

Thanks for posting. I live in GA and my parents may be moving here to retire.
by Go Blue 99
Sun Jun 01, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Georgia Retirement Income Exclusion
Replies: 11
Views: 993

Re: How much $ savings needed to change car insurance compan

I was a MetLife customer for 15+ years until I moved to Geico a few months ago. My rate went down 40%. So far I am happy with Geico service and their website (MetLife site had the feel of a mid 90s site).
by Go Blue 99
Sat May 31, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much $ savings needed to change car insurance companies?
Replies: 29
Views: 2012

Re: 529? What if they don't go to college

When Jack Bogle was asked about 529s his response was: Q: Do you set a little aside for those grandkids in 529 college-savings plans? (Vanguard has about $40 billion in assets in 27 state 529 plans.) A: I don't really like the idea of tying up your money in 529 plans, because of all the restriction...
by Go Blue 99
Sat May 31, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: 529? What if they don't go to college
Replies: 70
Views: 5977

Re: When to open 529

I would expect it is a personal preference. I do not like or believe in mixing up the intent of the accounts. That is, between retirement and college funding. Definitely agree with you there. We don't mix the two either, but I'm still unsure as to why there's a hard and fast rule to max retirement ...
by Go Blue 99
Thu May 29, 2014 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to open 529
Replies: 34
Views: 1781

Re: Pay off huge student loan vs Investing

3) If you're squared away on 1) and 2) and really can't make up your mind, why not both? That's the approach I took with law school loans and I am very happy with it. One issue you'll face is hindsight will affect your feelings about whatever choice you make: if you pay off the debt and the stock m...
by Go Blue 99
Thu May 29, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay off huge student loan vs Investing
Replies: 46
Views: 3001

Re: Lump Sum Distribution or Annuity?

How is your health and family history? I helped my mom make a lump sum vs annuity decision a few years ago, and that was one of the big factors we looked at (she chose the annuity).
by Go Blue 99
Thu May 29, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Distribution or Annuity?
Replies: 20
Views: 1373

Re: When to open 529

Our first child was born 3 months ago and we opened the 529 immediately.
by Go Blue 99
Wed May 28, 2014 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to open 529
Replies: 34
Views: 1781

Re: Favorite Investing Book?

Four Pillars of Investing holds a special place in my life. It was the first item I reviewed at Amazon.
by Go Blue 99
Sun May 25, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 50
Views: 4961

Re: Lump Sum into 529 - Picking the college type

We are aiming for 100% of instate public school costs. We made that decision because our state has two solid public schools and we don't plan on moving. We will discourage them from attending private schools that aren't highly ranked. Now if they really want to attend an ivy caliber private school, ...
by Go Blue 99
Sun May 25, 2014 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum into 529 - Picking the college type
Replies: 9
Views: 936

Re: 529 plans and UMTAs: do you include in net worth?

We just opened a 529 for our newborn and are debating the same question. We track net worth via mint.com so not sure if we will keep the 529 accounts on there.
by Go Blue 99
Sun May 25, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plans and UMTAs: do you include in net worth?
Replies: 8
Views: 557
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