Search found 113 matches

Return to advanced search

ow Does Paying Off a Mortgage Affect Your Credit Score

I've read all the pros and cons about paying off your mortgage early. I am leaning toward paying it off, but I was wondering how would paying off a mortgage affect my credit score? I am 51...owe $140K on the house and have just over $1,000,000 in my portfolio (taxable and non-taxable).
by Kuota Rider
Wed Sep 10, 2014 12:17 am
 
Forum: Personal Finance (Not Investing)
Topic: ow Does Paying Off a Mortgage Affect Your Credit Score
Replies: 16
Views: 1567

Re: [Poll] Have you taken any Investments course?

I took a $30 course on bonds a year year ago. The instructor was a local financial advisor and he offered a free portfolio review (in hope of getting more business). His office was across the street from mine so I met him for lunch one day. I handed him my family investment notebook with up to date ...
by Kuota Rider
Fri Jun 20, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 3031

2 Comma Club

18 months ago, my net worth hit 2 commas for the first time. It felt nice, but I didn't feel like a true member of the club because I included my home equity. Yesterday, I joined the club without including my home equity. Feels real this time.

Thanks again to all on this forum.

-M
by Kuota Rider
Fri Mar 07, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club
Replies: 24
Views: 2883

Re: How to fight work place bullying

I had a similar situation. The manager wasn't taking aim at any individual, but he was incompetent and was verbally abusive toward many. One person did go to HR and she was let go a few months later. One person sent an anonymous letter to HR documenting racial language, verbal abuse, and illegal hir...
by Kuota Rider
Sun Dec 22, 2013 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fight work place bullying
Replies: 76
Views: 5027

Re: Direct TV?

One warning...if you ever have to speak with them, Direct TV has the worst customer service on the planet (IMHO).
by Kuota Rider
Thu Dec 12, 2013 9:20 am
 
Forum: Personal Consumer Issues
Topic: Direct TV?
Replies: 42
Views: 4568

VITSX Is World's Largest Mutual Fund

Vanguard Total Stock MArket Index Fund (VITSX) is now the world's largest mutual fund.

http://money.cnn.com/2013/11/04/investi ... ?iid=HP_LN
by Kuota Rider
Mon Nov 04, 2013 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: VITSX Is World's Largest Mutual Fund
Replies: 0
Views: 475

Re: Unnerving Phone Call Late Last Night

Maybe they were just looking for Shawn and didn't have his number. Probably no big deal.
by Kuota Rider
Sat Jun 22, 2013 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Unnerving Phone Call Late Last Night
Replies: 47
Views: 6387

Re: My automatic plan to maximize gains while minimizing los

Well I don't think my strategy is that different. I BUY monthly HOLD until the stock drops beyond my comfort zone and RE-BALANCE by selling high and buying low (assuming the stock that looses 2% will keep losing until another month when I will rebuy it at lower price) OP, You original post asked mo...
by Kuota Rider
Sat Mar 30, 2013 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: My automatic plan to max gains & min. loss is cancelled
Replies: 66
Views: 6362

Re: Anybody purposely loading up on mortgage debt?

by letsgobobby » Wed Feb 06, 2013 1:08 am tomd37 wrote:In this day and age, I cannot understand why anyone would want to take on more debt or lengthen their existing debt. I think this is exactly the day and age when people should! Letsgobobby, That's what people said back in 2006. Doesn't make any...
by Kuota Rider
Wed Feb 06, 2013 1:47 am
 
Forum: Investing - Theory, News & General
Topic: Anybody purposely loading up on mortgage debt?
Replies: 57
Views: 3329

Re: Going all in with $400k... need some final encouragement

BBL wrote:The anticipation is killing me.

I'm waiting for your poll that starts with: Here's what I actually bought; what do you think?

Will we get one of those?...




Calm Man wrote:The suspense is killing me. Newb, did you do it?



Fairly soon.


Soon?.....You've lost another two days.
by Kuota Rider
Tue Jan 29, 2013 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Going all in with $400k... need some final encouragement
Replies: 60
Views: 7419

Re: Seattle Local Chapter? The answer is "Yes"

If we could do it on a weekend I will attend. I am in Bellingham.
by Kuota Rider
Sat Jan 26, 2013 10:48 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Local Chapter? The answer is "Yes"
Replies: 58
Views: 17150

Re: Your most intense movie scene

I am stunned that no one has mentioned the baptism scene in The Godfather.
by Kuota Rider
Sat Jan 26, 2013 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 9624

Re: How to stop friends/family from jumping in/out of the mk

It's not like they need a drug intervention. You give them a simple book from the wiki and say "this has worked really well for me."
by Kuota Rider
Mon Jan 21, 2013 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to stop friends/family from jumping in/out of the mkt?
Replies: 58
Views: 2622

Re: How are you investing your tax refund?

My refund normally equals my annual property tax. And the coincidentally my property tax bill and refund come at the same time -- so my tax refund just pays another tax.
by Kuota Rider
Sat Jan 19, 2013 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: How are you investing your tax refund?
Replies: 51
Views: 2672

Re: Things to do in Seattle and Vancouver in Feb

I live in Bellingham (about 80 miles north of Seattle). Worst month to visit of course, but the San Juan Islands are beautiful (there are over 100 islands in Puget Sound Bay). You can take a ferry from Anacortes. Also the drive up Mt Baker is incredible right here in Bellingham. In Seattle downtown ...
by Kuota Rider
Sat Jan 12, 2013 11:36 am
 
Forum: Personal Consumer Issues
Topic: Things to do in Seattle and Vancouver in Feb
Replies: 14
Views: 859

Re: Walmart to offer unlimited iPhone 5 plan for $45/mo

So you will pay $1200 for the first year to use a cell phone. Yes you can amortize the phone cost over the life of the phone, but $1200 is a pretty big slice of a budget for a phone.
by Kuota Rider
Sat Jan 12, 2013 10:13 am
 
Forum: Personal Consumer Issues
Topic: Walmart to offer unlimited iPhone 5 plan for $45/mo
Replies: 45
Views: 5857

Re: Struggling with when to get in

OP,

Many of us were nervous starting on our own. But with knowledge comes confidence. Read from the book list...keep reading until you are comfortable. And then read some more.
by Kuota Rider
Fri Jan 11, 2013 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Struggling with when to get in
Replies: 74
Views: 5293

401K limits increased to $17,500

IRS announced 401K contribution limits for 2013:

http://money.cnn.com/2012/10/18/pf/taxe ... ?iid=HP_LN
by Kuota Rider
Thu Oct 18, 2012 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K limits increased to $17,500
Replies: 41
Views: 5540

Re: Why do people live in expensive places?

I was just telling a friend the other day -- you can't put a price tag on your neighbors and the friends your children will grow up with. I lived in one town where neighbors never socialized, everyone hunted and taught 6-month old toddlers how to drive ATV's in the sreets. Now I live in an area wher...
by Kuota Rider
Sat Sep 15, 2012 5:42 am
 
Forum: Personal Consumer Issues
Topic: Why do people [Why Would I] live in expensive places?
Replies: 51
Views: 2472

Re: Road bike - carbon or alloy

I ride a Kuota Karhma (hence the name Kuota Rider). Cervelo makes a very nice line of alluminum bikes.
by Kuota Rider
Tue Sep 11, 2012 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Road bike - carbon or alloy
Replies: 74
Views: 6523

Re: Road bike - carbon or alloy

Fit and comfort is way more important than material. Ride 8-10 bikes and pick the one most comfortable. I had the carbon / alluminum argument with myself for months and it vanished after I rode a few bikes.
by Kuota Rider
Tue Sep 11, 2012 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Road bike - carbon or alloy
Replies: 74
Views: 6523

Re: 2 Comma Club

Welcome to the club. I consider our household in the two comma club. Ido include our vacation home but still exclude our primary residence. Regardless of how you figure it, it feels good to cross that major threshold. I prefer NOT to count my primary residence as well, but it still felt good being ...
by Kuota Rider
Fri Sep 07, 2012 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club
Replies: 60
Views: 6959

2 Comma Club

There was a post early this year by someone who just had to share their new membership into the "2 Comma Club" because there was no one else to confide with. Well....today (counting equity in my primary residence), I joined the same club. I feel like the same poster did because we can't sh...
by Kuota Rider
Thu Sep 06, 2012 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club
Replies: 60
Views: 6959

Re: Why Invest in 401k?

1. Company match; it's a bonus and ytou are essentially saying "no thanks."
2. Tax deferred savings
3. Automatic savings makes it easier
4. You will blink and in 6-7 years have $100K; worse than that, you may blink in 10 years and have $5K.
4. Start with the basic books on the wiki.
by Kuota Rider
Wed Aug 29, 2012 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in 401k?
Replies: 15
Views: 1391

Re: Investing VS Gambling

Anyone that doesn't understand the market and would hold a stock that long (4 years) should not be investing. My average hold time is 30 minutes to 90 days."


The funny part to me is that this person considers what he is doing "investing."
by Kuota Rider
Sat Jul 21, 2012 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Investing VS Gambling
Replies: 23
Views: 1500

Investing VS Gambling

A co-worker and I like to share (and debate) investing news and theories. He laughs at the Boglehead way as too conservative and I calmly tell him I am I think individual stocks are far too risky. He outranks me so I try to be politically correct. He has shown me a couple penny stocks that he has pr...
by Kuota Rider
Sat Jul 21, 2012 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: Investing VS Gambling
Replies: 23
Views: 1500

Re: Our expenses will be 70% lower in retirement?

Very nice....but it doesn't appear you are accounting for inflation. Property tax, homeowners dues, utilities, & misc. expenses will all be quite a bit more 20 years from now than they are today.
by Kuota Rider
Sat Jul 21, 2012 1:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Our income needed will be 70% lower in retirement?
Replies: 43
Views: 3798

Re: Best watch for around $5,000?

I have a very intelligent (and wealthy) relative who owns 2 $20 watches: 1 for standard time and 1 for daylight savings time. I love it.
by Kuota Rider
Sat Jul 14, 2012 10:14 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 637
Views: 142340

Re: recruiter asks for birth month and day and last 4 of SSN

It is standard procedure in many industries today to perform a background check (credit check, driving record, police record, etc.) But that is only done AFTER they make you a formal offer and normally done directly through the firms human resources department -- not the recruiter.
by Kuota Rider
Wed Jul 04, 2012 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: recruiter asks for birth month and day and last 4 of SSN
Replies: 36
Views: 5841

Re: Just got fired, now what?

L,

Good to hear...congratulations.
by Kuota Rider
Mon Apr 02, 2012 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just got fired, now what?
Replies: 49
Views: 9388

Re: 3 Years since ...

I am very happy to say that I didn't change a thing during the last crash. And much of the reason is reading the posts here where people reminded eachother to Stay The Course. I scaled back some savings a few months ago because of a slightly smaller salary at a new job, but that was in line with a n...
by Kuota Rider
Sat Mar 10, 2012 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: 3 Years since ...
Replies: 16
Views: 1334

Re: Your Personal Mentor

A good friend whom I have known for 20 years. I was a warehouse grunt and he was the company controller. I was single and liberal and he was married and conservative. He has taught me more than he knows (about money, family, politics, life, & career) and I owe him plenty. But we all owe other pe...
by Kuota Rider
Fri Feb 17, 2012 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Your Personal Mentor
Replies: 32
Views: 1810

Re: 401K limits and "anti-discrimination" policies

I have been a victim of a "refund" a couple times. Be thankful though...one company I worked at avoided the audit issues by limiting the amount anyone could contribute to the 401K to $8,000. That way, there was less disparity between high and low income earners so they never failed their a...
by Kuota Rider
Mon Feb 13, 2012 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K limits and "anti-discrimination" policies
Replies: 34
Views: 2343

Re: Thank you Bogleheads

Congratulations Camper. Keep it up.
by Kuota Rider
Sun Feb 12, 2012 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thank you Bogleheads
Replies: 15
Views: 1043

Re: What skills to learn to improve career options?

I agree with Gray...find a mentor. Nothing can help you learn faster than surrounding yourself with people smarter than yourself. Also, use your library and book store; read everything you can find on the subjects that will help you the most.
by Kuota Rider
Tue Feb 07, 2012 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What skills to learn to improve career options?
Replies: 29
Views: 2184

Re: To those that have bought a house..Are you happy?

Nobody has really mentioned kids & family happiness. With home ownership, our kids will grow up in the same neighborhood and go to the same school, with the same friends. That alone is priceless. If I was single, I might want to rent, but we are very happy with owning.
by Kuota Rider
Mon Feb 06, 2012 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: To those that have bought a house..Are you happy?
Replies: 142
Views: 10234

Re: Share Your Money-Saving "Secrets" Here

I've once opened a 2nd checking account at a local bank (for $500) just to receive their $100 offer. 3 months later I cancelled and withdrew $600.

-M
by Kuota Rider
Tue Jan 31, 2012 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share Your Money-Saving "Secrets" Here
Replies: 110
Views: 8915

Re: Share Your Money-Saving "Secrets" Here

Ride my bicycle to work.
by Kuota Rider
Mon Jan 30, 2012 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share Your Money-Saving "Secrets" Here
Replies: 110
Views: 8915

Re: would you buy this Honda Accord?

We have a 2001 Accord with 120K miles. Still purrrs just fine, and no problems at all. We had a recall on the transmission, and Honda essentially replaced it at 50K.
by Kuota Rider
Wed Jan 25, 2012 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: would you buy this Honda Accord?
Replies: 15
Views: 1405

Re: san diego

the beerdrinker wrote:
suggestions for restaurants


There's a little old lady who sits on the pier in Ensenada, Mexico who makes the best fish tacos you will ever eat.
by Kuota Rider
Sat Jan 21, 2012 5:51 pm
 
Forum: Personal Consumer Issues
Topic: san diego
Replies: 24
Views: 1470

Re: san diego

La Jolla cove and Old Town. Tiajuana is a fun day trip if you have the time.

-M
by Kuota Rider
Sat Jan 21, 2012 2:51 pm
 
Forum: Personal Consumer Issues
Topic: san diego
Replies: 24
Views: 1470

Re: Cubicle talk

I have heard a co-worker state: "I trust my advisor knows what he is saying when he tells me when to sell and when to buy."

I knew I wouldn't get very far after that response so I left it alone.

-M
by Kuota Rider
Sat Jan 21, 2012 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cubicle talk
Replies: 36
Views: 2833

Re: Is the 529 the best place to put our $

I feel its the obligation I assumed when I chose to have her. I'm also saving for retirement. I agree with Gray. I max out my 401K and 2 Roths plus a small monthly sum into two 529's -- but we stretch to do that. But the best rule is to take care of your own retirement first before your childrens c...
by Kuota Rider
Sat Jan 21, 2012 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Is the 529 the best place to put our $
Replies: 15
Views: 1308

Re: How have the BOGLEHEADS helped you?

When my first son was born (six years ago), I interviewed a couple financial advisors and was not happy with their quoted fees. So I began reading simple investing books and kept reading / progressing until I found the Boglehead's Guide to Investing. I now create a monthly budget and review it each ...
by Kuota Rider
Wed Jan 18, 2012 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: How have the BOGLEHEADS helped you?
Replies: 67
Views: 4721

Re: Should I continue maxing Roth IRA or go for 401(k)?

OP, I agree with Supersharpie and Livesoft (no reason for a decision), I make the same salary as you with a wife, two kids and a home (mortg., property tax, insurance). And I have max'd out a 401K and TWO Roth's for 10 years now. You need a budget to find out where you are falling short. Count month...
by Kuota Rider
Wed Jan 18, 2012 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I continue maxing Roth IRA or go for 401(k)?
Replies: 31
Views: 2323

Re: Life-Cycle Funds: Life-Strategy or Target ?

Thanks Taylor,

The LIfe Strategy funds may fit my AA better than my current Target fund over the next couple of years -- with a smaller ER.
by Kuota Rider
Tue Jan 17, 2012 5:15 am
 
Forum: Investing - Theory, News & General
Topic: Life-Cycle Funds: Life-Strategy or Target ?
Replies: 16
Views: 2119

Re: When do you invest in your Roth?

Vanguard deducts $416.66 for me and $416.66 for my wife from my checking account on the first of every month.
by Kuota Rider
Sat Jan 14, 2012 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: When do you invest in your Roth?
Replies: 87
Views: 5400

Re: Book recommendation: parenting

I second anything by John Rosemond; very old school discipline.
by Kuota Rider
Sat Jan 14, 2012 10:10 am
 
Forum: Personal Consumer Issues
Topic: Book recommendation: parenting
Replies: 35
Views: 1527

Re: Pregnant with first baby, best book?

What to Expect When You're Expecting.
by Kuota Rider
Fri Jan 13, 2012 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pregnant with first baby, best book?
Replies: 37
Views: 2086

Re: 40 Inspiring Quotes About Reading From Writers

Others have been here before me, and I walk in their footsteps. The books I have read were composed by generations of fathers and sons, mothers and daughters, teachers and disciples. I am the sum total of their experiences, their quests. And so are you. -Elie Wiesel What really knocks me out is a bo...
by Kuota Rider
Tue Jan 10, 2012 8:26 pm
 
Forum: Personal Consumer Issues
Topic: 40 Inspiring Quotes About Reading From Writers
Replies: 7
Views: 470
Next

Return to advanced search