Search found 225 matches

by Mill
Sun Aug 30, 2015 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 16
Views: 971

Re: Is this 401(k) even worth it?

I appreciate the advice from everyone. I am already maxing out my roth IRA each year. No spouse, debt, kids.

I know 401(k) to the max is generally the next thing to fund, before taxable investing. This one is just bad.
by Mill
Sat Aug 29, 2015 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 16
Views: 971

Re: Is this 401(k) even worth it?

gvsucavie03 wrote:Is there a match?


No match.
by Mill
Sat Aug 29, 2015 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 16
Views: 971

Re: Is this 401(k) even worth it?

deleted.
by Mill
Sat Aug 29, 2015 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 16
Views: 971

Is this 401(k) even worth it?

60 days into my new job and Im eligible to start contributing to the 401(k). :moneybag I have received the enrollment paperwork, and Im disappointed to say the least. :annoyed Some highlights: There is no employer match. Investment options: Strategic income: ER: .80 Target Date 2016-2020: ER: .89 Ta...
by Mill
Sun Aug 23, 2015 9:23 pm
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 11461

Re: How are you being greedy when others are fearful?

Does staying the course count?
by Mill
Sat Aug 15, 2015 4:01 pm
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 4017

Re: Laptop Recommendation

I can vouch for Lenovo. Ive had my B560 since May of 2011 and its still going strong. I like everything about it except its not a dual core processor, so gaming can be difficult. But it was the least expensive model at Best Buy and I didn't want to spend much so I was sold. I figured if I could get ...
by Mill
Sat Aug 15, 2015 3:55 pm
Forum: Investing - Theory, News & General
Topic: question about I, EE bonds (owners & beneficiaries)
Replies: 3
Views: 334

question about I, EE bonds (owners & beneficiaries)

I cannot find any information on this, Im hoping the board can help out... My Mom has some I & EE bonds payable on death to the beneficiary. The original owner of these bonds (my grandmother) is dead. Can the beneficiary get that bond reissued with the same interest/dates with the beneficiary as...
by Mill
Wed Aug 05, 2015 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Am I wrong? [to assist family members with finances]
Replies: 32
Views: 4216

Re: Am I wrong? [to assist family members with finances]

Are you wrong?

I told him exactly what funds to invest in


I don't know.

How can you possibly know exactly what funds to invest in?

:beer
by Mill
Wed Jul 29, 2015 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Cash EE bond to pay down the mortgage?
Replies: 7
Views: 557

Cash EE bond to pay down the mortgage?

Hello Bogleheads, Consider the couple in the following example. A married couple in their late 20's owns a $10,000 1994 EE bond (acquired through a now deceased relative, who bought the bond as co-owners along with one in the couple.) This particular bond is yielding 4% interest for a current value ...
by Mill
Wed Jun 03, 2015 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35793

Re: much ado about coasting (through life)

OP here. Fantastic discussions and follow-ups by all. Ive read every post and they are very much appreciated. I really enjoyed reading everyone's experiences and thoughts. Thank you all. Just a quick follow up...Ive recently accepted an office-support job. Low pay, but good benefits. Starting over a...
by Mill
Sun May 10, 2015 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35793

Re: much ado about coasting (through life)

Is this another of these threads where the OP writes something contentious then disappears, leaving everyone else to argue pointlessly among themselves? Well, OP hasn't returned since he posted. Im here, and Ive carefully read and considered each post. I appreciate everyone taking the time to respo...
by Mill
Fri May 08, 2015 12:26 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35793

much ado about coasting (through life)

A recent thread got me to thinking...what's wrong with coasting through life, specifically "your most productive years" ? This is going to go against a lot of the go-getter, champion attitudes on this forum, and Im only thankful I was able to capitalize on all of that while I had it. I jus...
by Mill
Wed May 06, 2015 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 18119

Re: What job to get to coast to Retirement at age 59 1/2?

I for one am enjoying this post and the previously referred-to one.

Don't worry about it gambler, Im the same mindset, same situation as you, looking for answers as well.

Good luck in your search.
by Mill
Wed Mar 11, 2015 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 6067

Bonus received. But its not what was agreed upon. Advice?

Hi all, Ive been having some troubles at work lately (which a simple search of my username can provide more info, though not relevant to this thread) and I have decided to move on. :sharebeer No matter what though, there will be hard feelings from both my manager and myself. Lets just say its ugly, ...
by Mill
Fri Feb 27, 2015 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 10496

Re: Help! Ive been put on a performance improvement plan!

Well, time to provide an update. I survived. :happy Thank you all very much, your guidance has carried me through the initial meeting and I still have my job. Now the action plan and follow up steps to be carried out while stealthily searching for another opportunity... :twisted: Ill really apprecia...
by Mill
Fri Feb 27, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 5173

I survived my initial performance improvement mtg. Now what?

This is a continuation of this thread... https://www.bogleheads.org/forum/viewtopic.php?f=2&t=159408&newpost=2395730 First, thank you to all of the Bogleheads who provided feedback. I don't know if I could have gotten through this and kept my job without you. Im very grateful. In fact, after...
by Mill
Wed Feb 25, 2015 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 10496

Re: Help! Ive been put on a performance improvement plan!

OP here. Fantastic responses, and I appreciate everyones time taken to review and advise. Ive worked all day today to come up with some notes which I will turn into an outline and present to management on Friday. We are a smallish company. Me and my manager and my mangers manager work relatively clo...
by Mill
Wed Feb 25, 2015 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 10496

Re: Help! Ive been put on a performance improvement plan!

I really appreciate everyones responses so far. I think its a fantastic idea to take a walk, clear my mind, and come back and attack this tonight. And Ive already ordered that book. Thank you very much! I see from his previous posts that the OP lives with his parents, so we can stop worrying that he...
by Mill
Wed Feb 25, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 10496

Help! Ive been put on a performance improvement plan!

Hi everyone, I am hoping to get some general, generic advice on how to deal with this. I had a meeting with my manager today and it wasn't good, and its all hitting me pretty hard right now. I take pride in doing a good job, managing difficult situations and the fear of failure is overwhelming me a ...
by Mill
Tue Jan 27, 2015 11:58 pm
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 6126

Re: What age did you move out?

I still live with my parents. Im kind of weird like that, Im a minimalist who doesnt plan on marriage or kids and Id like to hit FI asap. So it feels natural to me, even as a 33 yo man. They own a duplex, got tired of landlording and missed me when I took a job several states away. Theyre nearning 7...
by Mill
Tue Jul 08, 2014 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 17275

Re: List of Worst financial advice (what not to do):

"land. theyre not making any more of it."
by Mill
Sat Jan 18, 2014 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buried in Student Loans
Replies: 22
Views: 3610

Re: Buried in Student Loans

So what does the wife do for work now? Im concerned that she may be unemployed/underemployed. If she can raise up the income you'll be able to attack that debt better. Sadly, I fear this may not be possible. No offense, but Id be a little bit angry at my wife about this whole thing if I were you, bu...
by Mill
Thu Jan 09, 2014 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Dental x- ray [Insurance coverage]
Replies: 49
Views: 2791

Re: Dental x- ray

I second a previous posters advice about relationship with your dentist. If you like him/her, Id just go ahead and pay it. You have to pick your battles. If you fight it, you could end up costing yourself more than $30 in PITA dealings with finding another friendly, convenient, competent dentist. Go...
by Mill
Thu Jan 09, 2014 1:03 am
Forum: Investing - Theory, News & General
Topic: when you reach"your number"
Replies: 84
Views: 9353

Re: when you reach"your number"

Id keep working until I felt my job situation isn't worth it anymore. Kind of vague, but then again its that whole principle behind FIRE.
by Mill
Thu Jan 09, 2014 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Dental x- ray [Insurance coverage]
Replies: 49
Views: 2791

Re: Dental x- ray

Johm221122 wrote:Went to dentist for teeth cleaning and they did x-ray for second time this year Insurance only covers once.I have no dental problems and according to Web MD it should be done every 12 to 18 months.They were aware of insurance limit and made mistake.Should I pay?
John


How much was the charge anyway?
by Mill
Thu Jan 09, 2014 12:42 am
Forum: Personal Consumer Issues
Topic: 401k.fidelity.com sucks
Replies: 13
Views: 1597

Re: 401k.fidelity.com sucks

:twisted: sounds like the greatest trick the devil ever pulled. :twisted:
by Mill
Wed Jan 08, 2014 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Dental x- ray [Insurance coverage]
Replies: 49
Views: 2791

Re: Dental exray

Coincidentally, I also had a cleaning today. The hygienist did an x-ray, did the cleaning, scraped some hard-build up, and gave me a fluoride treatment. Total cost out-of-pocket was $24. I have reasonable insurance and haven't had a cleaning since 2010. I thought about it while paying, that I didn't...
by Mill
Thu Jan 02, 2014 12:23 am
Forum: Personal Consumer Issues
Topic: What was your most memorable experience in 2013?
Replies: 5
Views: 425

Re: What was your most memorable experience in 2013?

I moved (back home) from a very lucrative job situation to something more challenging, near family and friends. Had to take a significant paycut, but it seems to be the right move. Weather or not it works out, Im sure Ill remember it as life-changing.
by Mill
Thu Jan 02, 2014 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Please review my retirement plan, any advice is welcome
Replies: 11
Views: 1219

Re: Please review my retirement plan, any advice is welcome

Looks good, keep up the good work. Maybe consider beefing up the emergency fund...but then again, maybe not even necessary. Your job seems stable, 7 years to retirement more or less and you seem to have a good plan, afaik. Not an entrepreneur, but it seems like smooth sailing for you, so just make s...
by Mill
Wed Jan 01, 2014 4:56 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads Investment Philosophy
Replies: 7
Views: 691

Re: The Bogleheads Investment Philosophy

I get a 10 :sharebeer

Best wishes and Happy New Year Taylor.
by Mill
Mon Dec 30, 2013 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel you are being too frugal?
Replies: 65
Views: 5387

Re: Do you ever feel you are being too frugal?

If you have to ask, you probably are.

If your relationships are suffering, you probably are.
by Mill
Sun Dec 29, 2013 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: A monkey could have made money in 2013
Replies: 14
Views: 2828

Re: A monkey could have made money in 2013

Expense ratios would be nice. I think your biggest concern is the size of your emergency fund. You should really beef that up asap. Then when you cash out the options, you can use the proceeds to help you out even further there. Have you used FIREcalc? Im concerned that you might not be not saving e...
by Mill
Sun Dec 29, 2013 9:09 pm
Forum: Personal Consumer Issues
Topic: Frugal suit purchase options--need, but don't want
Replies: 52
Views: 5590

Re: Frugal suit purchase options--need, but don't want

Im like the OP and rarely dress up. I despise it. I was dating a woman who INSISTED that every man should own a suit, so one of our dates was to Kohls to go suit shopping. I found reasonable matches, and with the Kohls card and a couple coupons, I got everything (shirt, pants, sportcoat, belt and ti...
by Mill
Sun Dec 29, 2013 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Opinion needed on housing change. Is this nuts?
Replies: 15
Views: 1293

Re: Opinion needed on housing change. Is this nuts?

I think it sounds cool and I wish you the best of luck. Be sure to update this thread in a couple years to talk about the whole experience.
by Mill
Sun Dec 29, 2013 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on simplifying portfolio
Replies: 4
Views: 384

Re: Need advice on simplifying portfolio

Alright. Ill give it a try... If the goal is to simplify, then I would suggest you call Vanguard, speak with a rep tell them everything you have and ask what they will accept. They will walk you through it and do the work for you. Before you do this, research the 3-fund portfolio and make sure you b...
by Mill
Sun Dec 29, 2013 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Newly weds needing advice: 1st home and additional goals
Replies: 6
Views: 801

Re: Newly weds needing advice: 1st home and additional goals

welcome to Bogleheads. Mortgages and loans are not my expertise, but Ill give you some generic advice. 1. Bogleheads don't try to prognosticate market movements (and that includes direction of mortgage rates). 2. Not sure I understand the question, but as far as I know, car loans (assuming you have ...
by Mill
Sat Dec 28, 2013 2:48 pm
Forum: Investing - Theory, News & General
Topic: Buy VS Rent as a factor in Asset Allocation
Replies: 26
Views: 1608

Re: Buy VS Rent as a factor in Asset Allocation

I think youre over emphasizing the significance of buy vs rent when considering your AA. Just pick an AA that works for you now, and rebalance if and when your situation changes. I personally rent, and I don't expect to own in the future. Therefore I own some REITs to expose me to real estate. If I ...
by Mill
Sat Dec 28, 2013 2:34 pm
Forum: Personal Consumer Issues
Topic: Cash in Your Wallet
Replies: 93
Views: 4501

Re: Cash in Your Wallet

At the moment I only carry 1 credit card. Its a Discover so there are some merchants that don't accept it. Therefore I have to keep some cash on me at all times. Its usually about $300.
by Mill
Fri Dec 27, 2013 1:09 am
Forum: Investing - Theory, News & General
Topic: Will Bogleheads become the richest families on Earth?
Replies: 18
Views: 1641

Re: Will Bogleheads become the richest families on Earth?

No, Bogleheads preach diversification, and diversification generally prevents the accumulation of crazy amounts of wealth. For instance, if Bill Gates was a Boglehead, he would have sold massive amounts of Microsoft stock early on in order to balance out his portfolio as the value of the stock rose...
by Mill
Fri Dec 27, 2013 12:44 am
Forum: Investing - Theory, News & General
Topic: Will Bogleheads become the richest families on Earth?
Replies: 18
Views: 1641

Re: Will Bogleheads become the richest families on Earth?

No.

Long run does not imply 250 years. Plus, you cant prove that the Boglehead way beats the non-Boglehead way by 2% annually as shown in these 2 scenerios.
by Mill
Thu Dec 26, 2013 10:12 pm
Forum: Personal Consumer Issues
Topic: Used Books
Replies: 30
Views: 2360

Re: Used Books

give them to your local library. You would think that's a good idea, but I went through a move recently and dropped off a box of books I don't read anymore to a library in rural Arkansas where unsupervised kids hang out and play on the internet. The librarian thanked me and said theyd be a great add...
by Mill
Thu Dec 26, 2013 10:09 pm
Forum: Investing - Theory, News & General
Topic: 2014 Boglehead Predictions Thread
Replies: 57
Views: 5391

Re: 2014 Boglehead Predictions Thread

China will experience a real estate bubble burst like we did in 2008.
by Mill
Thu Dec 26, 2013 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 100
Views: 23924

Re: What you wish you had known entering your late 20's

dmcmahon wrote:I'd tell myself "find a wife before it's too late".


definitely!
by Mill
Thu Dec 26, 2013 8:26 pm
Forum: Investing - Theory, News & General
Topic: Its Hard Being A Boglehead!!
Replies: 62
Views: 4962

Re: Its Hard Being A Boglehead!!

I try to follow Billy Madisons advice to his father...

"Don't think about it. Just hand it over."
by Mill
Thu Dec 26, 2013 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: New job. No access to 401(K) for 12 months!
Replies: 11
Views: 892

Re: New job. No access to 401(K) for 12 months!

OP here. Thanks for all the responses. Consensus seems to be to go ahead and buy the discounted company stock, (assuming no fees/commissions/other unforeseen drawbacks) and not worry about the 401(K). I am new to the company, its early in my career and I don't want to make waves at this point. Speci...
by Mill
Thu Dec 26, 2013 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: New job. No access to 401(K) for 12 months!
Replies: 11
Views: 892

New job. No access to 401(K) for 12 months!

I am starting a new job as a lower-level manager with a medium sized employee-owned company. All employees are allowed to buy company stock (taxable) at a 15% discount. Employees may then sell after 1 year. This sounds like a pretty good deal to me, so I am thinking about maximizing this opportunity...
by Mill
Sun Dec 15, 2013 1:05 am
Forum: Investing - Theory, News & General
Topic: Have Index Funds Become Too Popular?
Replies: 35
Views: 4052

Re: Have Index Funds Become Too Popular?

sorry, double post.
by Mill
Sun Dec 15, 2013 1:05 am
Forum: Investing - Theory, News & General
Topic: Have Index Funds Become Too Popular?
Replies: 35
Views: 4052

Re: Have Index Funds Become Too Popular?

Im not worried about it. Active managers are basically salespeople. Or they have salespeople working for them. Throughout history (and for the foreseeable future) there are always people who like to be wooed. And you have to admit the active managers have a pretty good sales pitch..."Cmon bro, ...

Go to advanced search