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Re: Relatively new here. What did you do in 2008/09

I was 100% equity at that point and made no changes. I just rarely looked at my balances :)
by Go Blue 99
Tue Oct 14, 2014 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6783

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

This has been our best savings year to date (knock on wood), despite having a baby back in March. - Decided to use grandparents instead of private daycare, saving $1600/month - Refi'd our mortgage with PenFed, saving $450/month - Negotiated with DirecTV, saving $20/month - Negotiated with U-Verse, s...
by Go Blue 99
Tue Oct 14, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8134

Re: What services like Amazon Prime do you share to save?

If you are an iPhone user, the new iOS8 allows you to share apps, music, and books with family members.
by Go Blue 99
Tue Oct 14, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: What services like Amazon Prime do you share to save?
Replies: 17
Views: 1504

Re: Verizon: Upgrade iPhone - No longer "Loyal Customer"

Verizon is not going to compete on price. They have the best network and they know it.
by Go Blue 99
Fri Oct 10, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Verizon: Upgrade iPhone - No longer "Loyal Customer"
Replies: 22
Views: 3641

Re: Hamilton watches, worth the money?

I received a Hamilton Navy Pioneer watch this year as a gift from my in-laws, and really like it (they let me choose the style and brand). I spent weeks researching watches at the Watchuseek forums (basically the Bogleheads of watches), and Hamilton had a good reputation there in its price range (al...
by Go Blue 99
Tue Sep 16, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 13064

Re: Any FRANCHISE owners here?

A few of my wife’s family members own and run Subways. They stress a lot over employee issues, especially when someone calls in sick and they have to go fill in for them. This also puts crimps in their vacation planning. I’ve asked them about financials and they say a decent location will make them ...
by Go Blue 99
Tue Sep 16, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3316

Re: College Savings vs Aid: 529s, UTMAs, FAFSA, and all tha

Maybe I missed it, but what is he planning on studying at U-M? The Michigan name will open a lot more doors than a degree from Florida or Alabama, especially if he is planning on going into finance, management consulting, etc. It will also help him if/when he applies to graduate school.
by Go Blue 99
Mon Sep 15, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Savings vs Aid: 529s, UTMAs, FAFSA, and all that
Replies: 47
Views: 2326

Re: "Why 97% of People Don't Use 529 College Savings Plans."

General question- If you want to pay for your kids' college, and your first kid will be in college before you are old enough to take penalty-free retirement distributions, how will you pay for it? Do you just plan to cash flow it out of taxable accounts? What if you don't have enough in taxable acco...
by Go Blue 99
Tue Sep 09, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10789

Re: Poll: Which iPhone 6?

For those of you with a 5 or 5S- the resale value on these items is quite good, especially if you have Verizon. I have an iPhone 5 with 16GB on Verizon and am being quoted $190-225 for its value. So you could get the 6 at no out-of-pocket cost. And there are sites such as iCracked.com that let you l...
by Go Blue 99
Tue Sep 09, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3172

Re: Atlanta - recommendations on where to live

If you want to live "in the perimeter" Decatur is a nice option and we love it here in Brookhaven though getting a house of the size you are looking for at a reasonable price may prove difficult. If you are looking outside the perimeter I would recommend John's Creek or Alpharetta. If you...
by Go Blue 99
Mon Sep 08, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Atlanta - recommendations on where to live
Replies: 24
Views: 1363

Re: Atlanta - recommendations on where to live

When someone asks where to live in Atlanta, my first question is always- where is your job? Your friend is fortunate to telecommute as she won't have to worry about traffic issues. That opens up a lot of options. Since there is a preference for newer homes in a planned community, I'd look at Alphare...
by Go Blue 99
Mon Sep 08, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Atlanta - recommendations on where to live
Replies: 24
Views: 1363

Re: Fantasy football debt owed

So you're a part of an illegal gambling operation that has run into a dispute. The organizer ( we'll call him racketeer) has not made good on illegal gambling wins and you'd like to know what you should do about it? Really? I'll go out on a limb here and say that contacting the authorities is not o...
by Go Blue 99
Tue Sep 02, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 2029

Re: Fantasy football debt owed

This would irk me and I would definitely push for the money.

Do you know if the first place team has received their prize money yet? If not, maybe you could get him to email the Commish and/or unpaid teams.
by Go Blue 99
Tue Sep 02, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 2029

Re: Do you take all of your allowed paid vacation time?

I've never taken all of my vacation time for a specific year. But that is because we get so many days, I don't need them all. Fortunately, we are allowed to roll a bunch of days over to the following year.
by Go Blue 99
Thu Aug 28, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5948

Re: Jewelry Insurance - Engagement Ring

We use Jewelers Mutual and have no issues. They are highly recommended on the pricescope.com forums, which is good enough for me.
by Go Blue 99
Wed Aug 20, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Jewelry Insurance - Engagement Ring
Replies: 19
Views: 1897

Re: Home audio system -- bluetooth speakers vs Sonos

Also look into the new Heos speakers from Denon. They are a new competitor to Sonos' Play system. I received the Heos 3 and Heos 5 as review units and found sound performance to be excellent. Their list of music suppliers is still behind Sonos Play though since they are new.
by Go Blue 99
Tue Aug 19, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: Home audio system -- bluetooth speakers vs Sonos
Replies: 15
Views: 1381

Re: Savings Percentage [rules of thumb]

Bogleheads forum will give you a skewed view of savings rates, since there are so many extreme savers here. If you go to a basic finance site, many will say save 15% of gross for retirement, including any vested match. Even Vanguard’s site only recommends a 12-15% savings rate including match. Our s...
by Go Blue 99
Mon Aug 18, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage [rules of thumb]
Replies: 49
Views: 5604

Re: How much do you plan to save in your 529 plan?

We would like to fully cover an in-state public school. We have a newborn and plan on putting in around $5-6k per year, including gifts from grandparents. Unlike many Bogleheads, we don't follow the rule of maxing all retirement space before putting any money into a 529. This is mainly because we ar...
by Go Blue 99
Mon Aug 18, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 60
Views: 7072

Re: Where do you buy clothes?

For B&M stores, I typically shop at Marshalls and TJ Maxx. I prefer to buy online though- I usually wait for a slickdeal on Banana Republic or JCrew. I buy suits on overstock.com and take them to my local tailor. As I've gotten older, I've gained an appreciation for soft & comfortable clothe...
by Go Blue 99
Tue Aug 12, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9505

Re: How do you address your inlaws and being addressed?

Wife and I both use "mom" and "dad" for in-laws. But our culture is very family oriented so this is the norm.
by Go Blue 99
Mon Aug 11, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4874

Re: Telephone Calls! Help!

We get a lot of annoying calls on ours. It comes out cheaper to keep the line though, as our security company charges much more for monitoring without a landline.
by Go Blue 99
Fri Aug 08, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7562

Re: Attitudes toward inheritances.

My folks are in their late 60's have have a pretty good war chest of savings. Probably more than enough to support their retirements. (you know, probably). I'm an only child, there's a good chance I'll inherit something at some time in the future. I feel kinda weird about it. We're pretty secure fi...
by Go Blue 99
Thu Aug 07, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 11206

Re: Vanguard's Facebook presence

Fair enough, but I'd be even less likely to wear a VG shirt in real life telling everyone where I (probably) keep my money. Do you honestly believe your chances of having your money stolen will increase because someone knows you are a Vanguard client? Or are you just ashamed of people knowing you a...
by Go Blue 99
Thu Aug 07, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 2465

Re: Your opinion of mint.com

I absolutely love it for tracking spending on our credit cards. I used to do this manually, but Mint is much easier and more accurate. While I do have investment accounts linked to it currently, I'm considering removing them because of security concerns (there have many discussions of that on this b...
by Go Blue 99
Wed Aug 06, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 38
Views: 3233

Re: Vanguard's Facebook presence

Vanguard did a free t-shirt giveaway a few years ago in order to increase their number of Facebook "likes". It was actually a high quality tshirt that I still wear often to the gym.
by Go Blue 99
Wed Aug 06, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 2465

Re: average American eats out 203 times per year

I eat out one lunch per week. I typically eat alone and bring a magazine to read. My wife eats out probably 4 lunches per week. I try to encourage her to eat out less at work, but she has a stressful job and she uses that time to socialize and relax with co-workers. We also typically eat out on Fri ...
by Go Blue 99
Tue Aug 05, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6775

average American eats out 203 times per year

I saw this stat in an article about retirement: Retirees over the age of 65 bought an average of 193 meals each at restaurants last year up from 171 in 2009, according to the latest data from the NPD Group, a market research firm that tracks eating trends. That's slightly less than adults over age 1...
by Go Blue 99
Tue Aug 05, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6775

Re: HELP! Budget Out of Control

Don't beat yourself up. When you include the $500 529 savings, you are saving 29% of your net income. And that doesn't even include your retirement contributions. I'd say that is quite good for someone with multiple kids. Only on Bogleheads would this budget be considered "out of control" ...
by Go Blue 99
Tue Aug 05, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3744

Re: 529 Plans

Thank you for the replies, you saved me a lot of time. The cost of the NY plan is significantly lower than the NV plan and has the investment options I'm looking for. I'll accept the added inconvenience to get the lower cost. UT has extensive investment options and offers DFA funds in addition to V...
by Go Blue 99
Sat Aug 02, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Plans
Replies: 12
Views: 972

Re: How many families use 529 plans?

We put money into a 529 even though we aren't fully maxing out retirement accts. Our kid will be in college before we turn 59.5, so we'll need some source of savings in order to pay for college. I've been saving for retirement since my early 20s, and we have a pretty healthy savings rate, so I'm oka...
by Go Blue 99
Sat Aug 02, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6936

Re: 2015 Acura MDX

We researched the 2014 MDX (first year of the new redesign). I spent a lot of time on the MDX message boards and many complained about the quality of the dual touch screen, and limited physical buttons. Not sure if they fixed that with the '15 model.
by Go Blue 99
Sat Aug 02, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Acura MDX
Replies: 12
Views: 2133

Re: 529 - in-state only up to deduction amount?

We do this. GA up to the state max ($2k), then all the rest goes into UT.
by Go Blue 99
Tue Jul 29, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 - in-state only up to deduction amount?
Replies: 9
Views: 663

Re: What amount of Earnest Money - New Pulte Home

Kind of amusing to read about a "hot subdivision" - Pulte subdivisions are pretty cookie-cutter so if you don't get into "Avalon Hills", "Avalon Meadow" or "Avalon Ponds" will surely provide the same houses with the same cul-de-sacs looking out over the same ...
by Go Blue 99
Mon Jul 28, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: What amount of Earnest Money - New Pulte Home
Replies: 35
Views: 2083

Re: What amount of Earnest Money - New Pulte Home

My in-laws are in the process of buying a Pulte home in Atlanta (they close this week), and they paid $10k in earnest money. This was in a very hot subdivision that had a buyer waiting list and did not budge at all on price.
by Go Blue 99
Mon Jul 28, 2014 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: What amount of Earnest Money - New Pulte Home
Replies: 35
Views: 2083

Re: Methods for Calculating Savings Rate

I have a similar set-up to you. I have an Excel spreadsheet which tracks my monthly savings. We include major purchases in that particular month, and don’t spread it out at all. While we do track monthly saving data, I don’t put much stock in it. I mainly only look at our annual savings rate. I also...
by Go Blue 99
Fri Jul 25, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Methods for Calculating Savings Rate
Replies: 10
Views: 1303

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: 19
Views: 2802

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: 2389

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: 22
Views: 2401

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: 2827

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: 1121

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: 6610

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: 3362

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: 3362

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: 3362

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: 3362

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: 44
Views: 8097

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: 44
Views: 8097

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: 9492

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: 7786

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: 4581
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