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Re: Help create a Financial Presentation: Calling all Bogleh

I've incorporated Nords' info. See: Bogleheads® financial literacy project I would be willing to help and offer assistance. I work at a university and am currently coordinating efforts to create a financial literacy program for the university as a whole. Do you have any presentations or other mater...
by Juniormint
Mon Jun 17, 2013 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 106
Views: 9607

Re: Article about young americans not using credit cards

I think there is a shift to where the younger generation is debt averse to where they are applying for credits cards at later and later dates. I didn't get my first credit card until I was 23 when I felt secure enough and felt that I didn't need a credit card for anything. I lived frugally while in ...
by Juniormint
Sat Jun 15, 2013 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Article about young americans not using credit cards
Replies: 81
Views: 4934

Re: What age did you reach 100K networth?

24 now, and should be on track (fingers crossed) to hit 100K at 25.
by Juniormint
Sat Jun 15, 2013 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 33837

Re: Help create a Financial Presentation: Calling all Bogleh

I would be willing to help and offer assistance. I work at a university and am currently coordinating efforts to create a financial literacy program for the university as a whole.
by Juniormint
Sun Jun 09, 2013 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 106
Views: 9607

Re: How important is a good school district?

How important is a school district? Not as important as individual school leadership. To give you a little background, I work for State College and I am the fiscal manager of two charter high schools located on our campuses and in the midst of opening up two more. Our high schools are considered to ...
by Juniormint
Fri Apr 12, 2013 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is a good school district?
Replies: 65
Views: 3114

Re: What level of detail do you budget to?

I'm a saver first and automate as much of this as I can.

403(b)/Defined Benefit Plan
Roth IRA
Regular Savings
Rent & Utilities
Groceries
Variable necessary expenses (i.e. gas)
Entertainment
Remainder of any monies I can do whatever with.
by Juniormint
Mon Apr 08, 2013 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: What level of detail do you budget to?
Replies: 66
Views: 4798

Re: Bogleheads' accomplishments

While I'm not surprised by my savings rate, I am extremely surprised (thanks to this forum) by my financial and investment knowledge and at how I save money and make it work for me. So, much better than I expected.
by Juniormint
Thu Apr 04, 2013 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' accomplishments
Replies: 72
Views: 5911

Re: Choosing the "right" international allocation

My international allocation represent 30% of my equities. For the past year and half, I've felt that this was a bit low but haven't made any changes and don't really plan on making any changes either. Being in the accumulation phase, I know my savings rate is much more important than fine-tuning my ...
by Juniormint
Sat Mar 30, 2013 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing the "right" international allocation
Replies: 48
Views: 2709

Re: How do you set your saving goals and find a balance?

Based on my current savings rate, I think I'm on track to save about 2m by the time I retire. I would like 3m but know that 1.3m is the absolute lowest I would need to have and be okay. All of these figures and assumptions will change in the future once I get married, have kids, buy a house and the ...
by Juniormint
Thu Mar 28, 2013 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you set your saving goals and find a balance?
Replies: 40
Views: 2615

Re: The Fine line between responsible and selfish/material

Watch an episode of extreme cheapskates on TLC and be happy that you've got balance. I don't ever want to live like these people do. Create a budget and allocate a portion for entertainment and wants. Whatever you don't spend at the end of the month rolls over to your next month's entertainment and ...
by Juniormint
Thu Mar 21, 2013 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Fine line between responsible and selfish/material
Replies: 104
Views: 8517

Re: europe trip

Anyone have experience with planning a trip completely by yourself versus going with a tour company and what you would recommend? Most of my travel in the past has been either through student organizations or tour companies, but for the first time I fee like I want to plan this Ireland trip as oppos...
by Juniormint
Thu Mar 21, 2013 10:15 pm
 
Forum: Personal Consumer Issues
Topic: europe trip
Replies: 62
Views: 5607

Re: Ireland

Can anyone point me towards sites geared to planning a trip abroad? I'm planning on going to Ireland this December and really don't know where or how to start planning. Frommer's Fodor's Rick Steves Can anyone point me towards sites geared to planning a trip abroad? I'm planning on going to Ireland...
by Juniormint
Mon Mar 18, 2013 6:07 pm
 
Forum: Personal Consumer Issues
Topic: europe trip
Replies: 62
Views: 5607

Re: europe trip

Can anyone point me towards sites geared to planning a trip abroad? I'm planning on going to Ireland this December and really don't know where or how to start planning.
by Juniormint
Sun Mar 17, 2013 8:09 pm
 
Forum: Personal Consumer Issues
Topic: europe trip
Replies: 62
Views: 5607

Re: 39 y.o. and 18 years of Vanguarding

Awesome. I hope to be able to say that when I get up there. I started investing when I was 22 as well. I'm 24 now and just chugging along. :beer
by Juniormint
Sun Mar 17, 2013 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 39 y.o. and 18 years of Vanguarding
Replies: 45
Views: 8379

Re: Employer rules retirement contribution deposits. Advice?

I feel for you. It's the same way with my employer. I get paid on the last day of the month, payroll usually doesn't cut the check until about two days after payroll, then accounts payable has to process it which is another day, then it gets mailed and I have to wait till Vanguard processes it. My i...
by Juniormint
Sun Mar 17, 2013 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer rules retirement contribution deposits. Advice?
Replies: 26
Views: 2293

Re: [POLL] What would you like Vanguard to change or improve

Other - Hoping that Vanguard can automate my 403b deposits. Right now, my employer has to cut a check and since I only get paid once a month, my investments don't hit my account until a week to two weeks after I get paid
by Juniormint
Thu Mar 14, 2013 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 6905

Re: The Munchkin Man Diet

Congrats Munchkin Man, that's awesome!
by Juniormint
Sat Mar 02, 2013 12:56 am
 
Forum: Local Chapters and Bogleheads Community
Topic: The Munchkin Man Diet
Replies: 120
Views: 10798

Re: That Frugal Thing You Do

Saw this posted on slickdeals and plan on giving it a try. If you have the Chase Freedom card with the rotating 5% categories for the months that we have gas as a reward category. You can buy the gas gift cards and get the 5% cash back on that as well. So basically, you buy $200 worth of gift cards,...
by Juniormint
Wed Feb 20, 2013 12:19 am
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 96308

Re: Our cable bill is over $200 !!!

$88.00 for high-speed Internet and cable with 150+ channels including HBO. Normal cost was $89 + tax, but I have fifteen dollar loyalty discount that reduces it to $88. I actually just called yesterday to get my rate lowered after my bill jumped to $111 after the 6 months of loyalty discounts ended....
by Juniormint
Fri Feb 15, 2013 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Our cable bill is over $200 !!!
Replies: 89
Views: 8499

Re: 1st Birthday Present

You can do a charm bracelet and add a charm every year on her birthday until she's 16 or so.
by Juniormint
Thu Feb 14, 2013 12:54 am
 
Forum: Personal Consumer Issues
Topic: 1st Birthday Present
Replies: 32
Views: 2337

Re: Who taught you about money?

Self-taught. And Part luck. My parent's aren't good with money and so just from observation, I came to the conclusion at a young age that I didn't want to live hand to mouth with no clear path of how I was going to fund tomorrow. That combined with the fact that I'm a natural saver and someone that ...
by Juniormint
Thu Feb 14, 2013 12:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Who taught you about money?
Replies: 91
Views: 5797

Re: How do things look to you young investors these days?

Awesome. If for nothing else than I'm financially literate and feel/know I'm in control of my financial future. I found bogleheads when I was 22, I'm debt free, I'm investing and saving as much as I can, and I'm enjoying life. My parents didn't make wise financial choices while I was growing up and ...
by Juniormint
Sun Feb 10, 2013 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do things look to you young investors these days?
Replies: 87
Views: 7013

Re: How do you find Mrs. Boglehead?

The same place you would find Mr. Boglehead? :beer
by Juniormint
Sat Feb 09, 2013 1:02 am
 
Forum: Personal Consumer Issues
Topic: How do you find Mrs. Boglehead?
Replies: 138
Views: 9909

Re: Target Retirement Funds to add international bonds

What are the risks of international bonds as opposed to international stocks? If you wanted to increase your internal allocation in your portfolio, you now have the option of doing it in two places. Your fixed allocation or your equity allocation. Where should you increase it and what should your th...
by Juniormint
Sat Feb 09, 2013 1:00 am
 
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds to add international bonds
Replies: 76
Views: 9320

Re: What Book Are You Currently Reading? Part V

It's not even a whole book... but I'm taking a shot at "Self-Reliance" by Ralph Waldo Emerson. See, someone in the forum complimented me on quoting Emerson and I felt like a total phony, because the sum total of all I know of Emerson is "Trust thyself: every heart vibrates to that ir...
by Juniormint
Thu Feb 07, 2013 11:07 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3119
Views: 1013882

Re: What Book Are You Currently Reading? Part V

How to Train Your Dragon by Cressida Cowell. Fell in love with the movie and just had to read the books. They're actually pretty awesome.
by Juniormint
Thu Feb 07, 2013 11:04 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3119
Views: 1013882

Re: Boglehead Concert Goers?

The most expensive concert for me will be actually flying to Ireland to see Van Morrison. If he doesn't do a concert in America in the next year, I am planning to vacation to Ireland just so that I can see him sing live. :D
by Juniormint
Thu Feb 07, 2013 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Concert Goers?
Replies: 48
Views: 2097

Re: Boglehead Concert Goers?

I'm a major concert goer. And yes, ticket prices suck, as does paying for parking and drinks :annoyed . But I enjoy going to concerts so if it's someone I love, I'm all in. I only go to concerts for bands that really, really like and I usually purchase tickets for myself and my best friend(s). If my...
by Juniormint
Thu Feb 07, 2013 10:51 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Concert Goers?
Replies: 48
Views: 2097

Re: Peeking at investments...how often?

I check my portfolio everyday. I do this to make sure my contributions are actually hitting my accounts and there are no discrepancies. I don't find the urge to tinker with anything though.

I have found discrepancies in the past and this is just my daily financial check.
by Juniormint
Thu Feb 07, 2013 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Peeking at investments...how often?
Replies: 59
Views: 3315

Re: What % of your income are you saving for retirement?

Early twenties, single. And I save about 55% of gross just for retirement. I save another 5% for other items.
by Juniormint
Thu Feb 07, 2013 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 20920

Re: How much tax advantaged space available?

I'm single.

Her 403b = 17500
Her 457b = 17500
Her 401k = Company match of roughly 2000
Her Roth = 5500
Her FSA = 2500

So $45,000 worth.
by Juniormint
Sun Jan 20, 2013 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: How much tax advantaged space available?
Replies: 17
Views: 2594

Re: Edward Jones as an employer [UPDATED]

Congrats. So awesome to hear that you got a full time job, did well in school, and are siting for your CPA. I'm sure you'll knock out the tests in no time.
by Juniormint
Wed Jan 16, 2013 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Edward Jones as an employer [UPDATED]
Replies: 55
Views: 11290

Re: Women's Work Clothing Recommendations

Anyone know of dressy pants for short/petite women? I'm 4'10 and really struggle with finding dressy pants that fit me properly even in the petite section. I don't mind spending a bit for good quality but I just haven't been able to find anything in my size and style that I like.
by Juniormint
Wed Jan 16, 2013 12:00 am
 
Forum: Personal Consumer Issues
Topic: Women's Work Clothing Recommendations
Replies: 22
Views: 2289

Re: Helping out Parents with extra income

I currently help my parents out and just do direct transfers. I also gift them money at the end of the year as well with money I save up every month in addition to what I give them. It works out well, as long as I can afford do it, and since they need it, I'm happy to give. At least I'll never go hu...
by Juniormint
Thu Dec 13, 2012 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping out Parents with extra income
Replies: 25
Views: 1519

Re: my annual reading list

Awesome list. Will definitely be checking many of these out. Thanks!
by Juniormint
Thu Dec 13, 2012 7:26 pm
 
Forum: Investing - Theory, News & General
Topic: my annual reading list
Replies: 10
Views: 1411

Re: FSA and leaving employer?

But how will you get the procedure done assuming you missed open enrollment at your new employer? I'm sure your soon-to-be former employer has done very nicely over the years keeping the unspent FSA amounts at the end of the year. PS to answer your question, I believe it's the employer who takes th...
by Juniormint
Thu Dec 13, 2012 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA and leaving employer?
Replies: 5
Views: 626

Re: Poll: How did Bogle's philosophy affect your investing?

I was lucky that my first foray into investing was the boglehead way. However, even if I hadn't found bogleheads, I think my views were pretty consistent with Bogle. I had already decided to invest with vanguard and was going to do target retirement fund based on my asset allocation and diversificat...
by Juniormint
Tue Dec 11, 2012 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How did Bogle's philosophy affect your investing?
Replies: 16
Views: 1009

Re: Poll: Did you change your AA after x years?

Happy with my AA as far as equities and bond allocation. Just sometimes feel I should increase my international allocation and also do a REIT-tilt on the equity side. So far, I've decided not to change anything as I know I'm in the accumulation phase and my savings rate is what is most important at ...
by Juniormint
Tue Dec 11, 2012 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Did you change your AA after x years?
Replies: 16
Views: 1019

FSA and leaving employer?

Does the plan administrator or the employer incur the loss when an employee uses up their FSA and terminates employment before all their contributions have been taken? During my last open enrollment, I decided to enroll in a medical FSA because I knew I was going to incur a few medical expenses in 2...
by Juniormint
Tue Dec 11, 2012 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA and leaving employer?
Replies: 5
Views: 626

Re: High Salary & High COL vs Low Salary & Low COL

I worked in NJ for a couple of years and leveraged that salary to move back down to NC. NJ salary goes a long way in NC even in the high COL area where I live. Thus, I definitely think it's worth it to spend at least a bit of time grinding it out in a high COL area if you can get the salary that co...
by Juniormint
Thu Nov 29, 2012 8:04 pm
 
Forum: Personal Consumer Issues
Topic: High Salary & High COL vs Low Salary & Low COL
Replies: 80
Views: 5744

Re: American snacks, candy & other typical foods

Anything pumpkin flavored would do. Pumpkins seem to be an American thing, but the only bad part is that your nieces/nephews may not like the taste. It took me a long time to be able to eat pumpkin pie and actually like it. American candy is pretty readily available there so what about an assortment...
by Juniormint
Mon Nov 26, 2012 9:04 pm
 
Forum: Personal Consumer Issues
Topic: American snacks, candy & other typical foods
Replies: 21
Views: 2023

Re: Do you have money in taxable? What percent?

0%.

Max 403(b)
Max Roth IRA
Max Defined Benefit Plan
Haven't been able to max 457(b) plan yet.
by Juniormint
Sun Nov 25, 2012 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Do you have money in taxable? What percent?
Replies: 74
Views: 5602

Re: What is your greatest weakness as an investor?

That I may be overdoing it in the sense that hey, you know what, it's okay to spend money on things I enjoy more instead of saving/investing more.
by Juniormint
Fri Nov 23, 2012 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: What is your greatest weakness as an investor?
Replies: 56
Views: 3505

Re: Am I eligible for Dependent care FSA/child care credit?

Part 2 If your wife has earned income then yes, you can claim the child and dependent care credit for your son's preschool costs. Whether your wife still had your daughter at home with her while she worked won't matter if you meet all the requirement's to claim the credit. 1)Filing a joint return 2)...
by Juniormint
Thu Nov 08, 2012 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I eligible for Dependent care FSA/child care credit?
Replies: 4
Views: 719

Re: bogleheads thoughts on renter's insurance?

Does anyone know if renter's insurance goes up if you live in an area that is prone to natural disasters (i.e. hurricanes, tropical storms, earthquakes)?
by Juniormint
Fri Oct 26, 2012 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: bogleheads thoughts on renter's insurance?
Replies: 40
Views: 4595

Re: THANKS FOR BOGLEHEADS XI

Thanks Jack, for always fighting to give us a fair shake!
by Juniormint
Fri Oct 26, 2012 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: THANKS FOR BOGLEHEADS XI
Replies: 14
Views: 2058

Re: 'Phi Kappa Phi' membership. Worth it?

Is it worth anything for your resume? Most likely not, but that doesn't mean it doesn't have any value. I was a member of Beta Alpha Psi which is for Accounting and Finance majors and it really helped with networking, not only with professors, but potential future employers and other fellow students...
by Juniormint
Fri Oct 26, 2012 7:05 pm
 
Forum: Personal Consumer Issues
Topic: 'Phi Kappa Phi' membership. Worth it?
Replies: 27
Views: 7284

Re: PPO (FSA) vs PPO+HSA

BruDude wrote:Since she is pregnant the PPO is probably a better option. Delivery will probably cost ~$5-15k


I agree. Plus, if your wife doesn't already have short-term disability, it maybe something to look into to cover extended maternity leave or other pregnancy complications.
by Juniormint
Wed Oct 24, 2012 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO (FSA) vs PPO+HSA
Replies: 3
Views: 326
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