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Re: 2 comma club (my way)!!

Congrats! So what portion of your portfolio do you attribute to this forum? I started reading bogleheads in 2007 (changed my user profile in 2009) and since that date I would estimate that perhaps 25% of our net worth can be attributed to advice on this forum. In fact I think that is a great forum ...
by Mrxyz
Sun Feb 22, 2015 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 31
Views: 5023

Re: Thank you.

mrxyz: Thank you for remembering. Your success is our success. Best wishes. Taylor Thank you! You are responsible for my 3 fund portfolio - satisfies my SWAN test and anything more is pretty confusing- where to tilt? What to add etc etc?. Also for Ibonds which function as efund and backup for the 5...
by Mrxyz
Sun Feb 22, 2015 3:51 am
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 31
Views: 5023

Re: 2 comma club (my way)!!

Congrats! Now put your checking and efund to work and you'll hit the 2 million club sooner. Yes, I have debated that in my mind quite a bit. The efund is in Ibonds and would like to keep it that way and the checking amount is destined for a new car sometime in the next 6 months or so. Better not ge...
by Mrxyz
Sat Feb 21, 2015 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 31
Views: 5023

Re: 2 comma club (my way)!!

mhc wrote:Congrats!

Now put your checking and efund to work and you'll hit the 2 million club sooner.


Yes, I have debated that in my mind quite a bit. The efund is in Ibonds and would like to keep it that way and the checking amount is destined for a new car sometime in the next 6 months or so.
by Mrxyz
Fri Feb 20, 2015 12:31 am
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 31
Views: 5023

2 comma club (my way)!!

Hi, As usual, thanks to all who have helped me in so many ways that I cannot count or list! No, okay then...........If I must list, then some which come to my mind are; Nisi, livesoft, Emergdoc, retiredjg, Taylor,cruncher, ladyGeek,grok87,VictoriaF, grabiner,Frugalinvestor,gkaplan, bertilak, abus 36...
by Mrxyz
Thu Feb 19, 2015 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 31
Views: 5023

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

denovo wrote:Since when did BH turn into buzz feed? The title of this thread is alarmist and inaccurate, clickbaity.


I agree......But also learnt a new word "clickbaity" - which is visually so complete in its description! :D
by Mrxyz
Thu Feb 19, 2015 4:39 pm
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4599

Re: Maui - suggestions/ recommendations?

Compound wrote:Did you see this thread?

viewtopic.php?f=11&t=156536

It contains some helpful recommendations.


Hah! I forgot to search the board!! :oops:
There are no 'new topics' at all, everything has been discussed in some manner!
Thanks
by Mrxyz
Sat Jan 31, 2015 11:49 am
 
Forum: Personal Consumer Issues
Topic: Maui - suggestions/ recommendations?
Replies: 4
Views: 502

Re: House flipping investing - Am I wrong or what? Please ad

The story about the "unhappy" older gentlemen (unhappy with 16% ??) makes this deal smell from the get go. Also, the borrowers as well as the LLC should have liability for the debts--they should personally sign on the loans. The LLC could end up as an empty shell and you'll have little or...
by Mrxyz
Sat Jan 31, 2015 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 30
Views: 4492

Re: Maui - suggestions/ recommendations?

timmy wrote:What part of the island will you be staying?

Will you have a rental car?


West side/ Kaanapali beach area.
Yes, I will have a rental car.
by Mrxyz
Sat Jan 31, 2015 9:15 am
 
Forum: Personal Consumer Issues
Topic: Maui - suggestions/ recommendations?
Replies: 4
Views: 502

Maui - suggestions/ recommendations?

Hi,
I will be taking a family vacation to Maui and would like suggestions/recommendations for things to do/ eat/ visit please.
Thanks
by Mrxyz
Sat Jan 31, 2015 8:29 am
 
Forum: Personal Consumer Issues
Topic: Maui - suggestions/ recommendations?
Replies: 4
Views: 502

Re: House flipping investing - Am I wrong or what? Please ad

I have flipped dozens of homes in my day and the find, fix, and flip business is very profitable if you know what your doing. The only way to make real money in this business model is to use a bank line of credit at a reasonable interest rate and know how to rehab so the house will sell quickly. If...
by Mrxyz
Sat Jan 31, 2015 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 30
Views: 4492

Re: House flipping investing - Am I wrong or what? Please ad

Mrxyz: I have been doing this kind of thing for many, many years. Buying discounted mortgages, making hard money loans to people who can't qualify for bank loans, creating paper, buying mobile home paper, you name it. You can make a lot of money doing this kind of thing, but you need to know what y...
by Mrxyz
Sat Jan 31, 2015 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 30
Views: 4492

Re: House flipping investing - Am I wrong or what? Please ad

Final update- I invested (only) $6000 and got back $7000 and thus made a $1000 profit over around 8 months time. Overall impression - just not worth it. Could have gone south fast, with soured relationships etc etc. Question- I did not get a 1099 from them for my business loan, as there was no divid...
by Mrxyz
Fri Jan 30, 2015 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 30
Views: 4492

Re: Help with New Portfolio - 600k Cash to Invest - 29 Years

Before you run out and buy anything, it's worth taking a month or even months to absorb information and make sure your plan is well-researched and something you can stick with. Dr. Bernstein has a brief and to-the-point primer that's worth a look: https://dl.dropboxusercontent.com/u/29031758/If%20Y...
by Mrxyz
Sat Jan 10, 2015 1:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with New Portfolio - 600k Cash to Invest - 29 Years Old
Replies: 7
Views: 1334

Re: 403b Roth or non Roth ??

Taxes are a major deciding factor. What will you do with the money you aren't going to have to pay as taxes if you go traditional, will it get invested in a regular account or will it just get spent on something? Do you need that money now? If it just gets spent then the Roth route will most likely...
by Mrxyz
Mon Jan 05, 2015 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b Roth or non Roth ??
Replies: 7
Views: 410

Re: 403b Roth or non Roth ??

Agreed. Pay taxes later because they are more likely to be lower than higher. And thanks to you too!! BTW, years ago you were a great help in getting my finances in order and its been very smooth since then. Not doing anything other than 529 contributions, backdoor Roth and yearly re balancing, whi...
by Mrxyz
Mon Jan 05, 2015 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b Roth or non Roth ??
Replies: 7
Views: 410

Re: 403b Roth or non Roth ??

icefr wrote:If you think you'll be in a lower tax bracket in retirement, you should continue contributing to the non-Roth 403(b) like you have been. Considering that your current tax bracket is 35%, you will most likely be in a lower tax bracket at retirement.


Thanks!
by Mrxyz
Mon Jan 05, 2015 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b Roth or non Roth ??
Replies: 7
Views: 410

403b Roth or non Roth ??

Hi My work started to offer us Roth option in our 403b deferred compensation. Currently, it only has non Roth funds (only through TIAA CREF and not vanguard). So my thinking is; non Roth 403b = pay taxes later and I presume my taxes will be lower when I retire Roth 403b = pay taxes now, but that wou...
by Mrxyz
Mon Jan 05, 2015 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b Roth or non Roth ??
Replies: 7
Views: 410

Re: One more goal, one more simplification

Congratulations!!
by Mrxyz
Mon Dec 22, 2014 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: One more goal, one more simplification
Replies: 13
Views: 1414

Re: "Computing How Much Life Insurance You Need"

Taylor Larimore wrote:Mrxyz:

The Bogleheads' Guide to Investing has a format (page 247): "Computing How Much Life Insurance You Need."

Best wishes.
Taylor


Thank you !!
by Mrxyz
Thu Dec 18, 2014 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 19
Views: 1547

Re: Term life insurance- I don't have it. Do I need it?

One may not need to replace their income even if one has people that depend on it. I always used the question, "If I died, would my dependents have to change their financial lives?" The answer for my death has always been "No", so I have never bought life insurance and neither h...
by Mrxyz
Thu Dec 18, 2014 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 19
Views: 1547

Re: Term life insurance- I don't have it. Do I need it?

That you don't need whole life insurance is pretty clear. How much term insurance you need is less clear, depending e.g., on you wife's earning potential. and her and the children's emotional and other needs. Could she earn enough to hire a true surrogate (fill-in for her) with with only a portion ...
by Mrxyz
Thu Dec 18, 2014 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 19
Views: 1547

Re: Term life insurance- I don't have it. Do I need it?

The rule of thumb is somewhere between 8-12 times annual income. This varies depending on how old you are, how much you have saved already, special needs in the family etc. Work insurance is generally not sufficient, because what happens if you get fired, and in the meantime have become ill and now...
by Mrxyz
Thu Dec 18, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 19
Views: 1547

Re: Term life insurance- I don't have it. Do I need it?

To me, the need for life insurance comes down to one question. Are there people who depend on my income? If the answer is yes, then you need life insurance to cover the loss of your income for your spouse and children (for things like paying the mortgage, so they always have a roof over their head)...
by Mrxyz
Thu Dec 18, 2014 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 19
Views: 1547

Term life insurance- I don't have it. Do I need it?

Hi I do not have term life insurance and I am not sure if I 'need' it? How do I decide? I have work life insurance, disability insurance, plus a separate own occupation disability insurance, home, auto and umbrella also. I have read the wiki and some threads which talk about 'get term life insurance...
by Mrxyz
Thu Dec 18, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 19
Views: 1547

Re: Backdoor Roth for a beginner

Thanks so much to the both of you. I looked at my MAGI, and it appears we will be at the very top of the phase out limit so we should go ahead and set up the TIRA then convert it over. If I call Vanguard are they allowed to help me with the conversion? Yes, they will/should. Last year, I wanted to ...
by Mrxyz
Thu Dec 11, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth for a beginner
Replies: 16
Views: 1234

Re: 529 for parents?

Are you letting the tax tail wag the dog? L. Not sure if I understand this right......... Do you mean that I should not invest in 529 just because of the state tax break and rather look at the whole picture and continue investing in my taxable account, which hopefully over the many years to come, w...
by Mrxyz
Tue Dec 02, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 for parents?
Replies: 16
Views: 1632

Re: 529 for parents?

Are you letting the tax tail wag the dog? L. Not sure if I understand this right......... Do you mean that I should not invest in 529 just because of the state tax break and rather look at the whole picture and continue investing in my taxable account, which hopefully over the many years to come, w...
by Mrxyz
Tue Dec 02, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 for parents?
Replies: 16
Views: 1632

Re: 529 for parents?

Hi So I have 529 for my kids which I take full advantage of, getting State tax break. Is it recommended to get 529 for each parent also to increase the total 529 funds available for kids as the parents can change the beneficiary from themselves -parents to their kids? Thanks How big is the tax brea...
by Mrxyz
Mon Dec 01, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 for parents?
Replies: 16
Views: 1632

Re: 529 for parents?

I am guessing that the 529 gains is insufficient to meet children's future college expenses that you desire.? :? That's kind of correct...........I am placing $6K per kid per year and likely not make the total of $200K per kid (my number) when they each turn 18. And I thought parent's 529 can be a ...
by Mrxyz
Mon Dec 01, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 for parents?
Replies: 16
Views: 1632

Re: Life changing decision... advice needed!

Does Fellowship Pay: What Is the Long-term Financial Impact of Subspecialty Training in Pediatrics?

http://pediatrics.aappublications.org/content/127/2/254.full

I hope that you have read the above article.
Best of luck in making the decision!
by Mrxyz
Sun Nov 30, 2014 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 91
Views: 10840

Re: 529 for parents?

But what if all money saved in 529s is not used for school ? How much do you think you need to save? Are you maxing out all other retirement accounts you have access to? lafder Yes, I am maxing out my retirement accounts including backdoor roth. But the question is, Is it recommended that each pare...
by Mrxyz
Sun Nov 30, 2014 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 for parents?
Replies: 16
Views: 1632

529 for parents?

Hi
So I have 529 for my kids which I take full advantage of, getting State tax break.
Is it recommended to get 529 for each parent also to increase the total 529 funds available for kids as the parents can change the beneficiary from themselves -parents to their kids?
Thanks
by Mrxyz
Sun Nov 30, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 for parents?
Replies: 16
Views: 1632

TV buying recommendations

Yes, its time for me to upgrade to a new TV!! (I think) I need something at least 50 inches size and need recommendations on what to get for my living room. The seating is around 10-14 feet away from the front of the TV. I have an entertainment center which has a top to place TV on. This measures ar...
by Mrxyz
Sat Nov 29, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: TV buying recommendations
Replies: 44
Views: 3274

Re: Bogleheads.org equivalents for other areas of life?

oyster.com

"You cannot return a bad vacation"

Their logo says it all!

A travel/hotel review site.
by Mrxyz
Sun Oct 26, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 8290

Re: Road trip to Chicago with kids- what to do/recommendatio

Update. Thanks to everyone's advice and recommendations. Just got back. Wonderful trip. Best advice was - Car is a liability!! Yes, did not take car, took train and bus - Metra and Pace respectively, Loved it. Really saved me time and money and the headache of driving and trying to find parking. Met...
by Mrxyz
Sun Oct 19, 2014 2:38 am
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 3542

Re: Reading comprehension books/materials recommendations

Sorry about the 'duplicate'. I did ask something similar a few months ago, with just a few responses.
http://www.bogleheads.org/forum/viewtopic.php?f=11&t=143117
by Mrxyz
Thu Oct 09, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Reading comprehension books/materials recommendations
Replies: 4
Views: 461

Re: Reading comprehension books/materials recommendations

Ged wrote:Try home schooling resources. Some curricula there get great results.


Yes but which company or material is good or recommended - preferably without too much religious bias.
by Mrxyz
Thu Oct 09, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Reading comprehension books/materials recommendations
Replies: 4
Views: 461

Reading comprehension books/materials recommendations

Hi all, Do you have any suggestions/recommendations for reading comprehension books/materials for grades 2nd, 4th and 7th (my kids)? I am very dissatisfied by what their public school does in terms of teaching. Private school is an option, though expensive and not what we are looking at unless we ru...
by Mrxyz
Thu Oct 09, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Reading comprehension books/materials recommendations
Replies: 4
Views: 461

Re: Road trip to Chicago with kids- what to do/recommendatio

Unofficially, rush hour is basically any time you are driving (especially if you're in a hurry), excluding late night to early morning. Normal working hours for most in Chicago are the same in as they are elsewhere in the lower 48 states, so rush hour isn't significantly different. However, because...
by Mrxyz
Tue Oct 07, 2014 10:51 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 3542

Re: Road trip to Chicago with kids- what to do/recommendatio

You mentioned you'll be visiting Chicago beginning October 14th. The good news: You'll miss the road closings & congestion associated with the Chicago Marathon, which is this coming weekend. The potential "bad" news: If you're still here on the Sunday (10/19), the Bears have a home ga...
by Mrxyz
Mon Oct 06, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 3542

Re: Road trip to Chicago with kids- what to do/recommendatio

For Museum of Science & Industry (MSI), plan on driving to/from that location. Consider taking a drive on Lake Shore Drive from MSI north to, say, Montrose Avenue (4400 North). Really nice drive with a great view of downtown and the lake. Avoid Lake Shore Drive during rush hour, though. Another...
by Mrxyz
Mon Oct 06, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 3542

Re: Road trip to Chicago with kids- what to do/recommendatio

Are you staying downtown? If so, I would park and then use public transportation/walk. Parking downtown will probably be in the neighborhood of $40 per day. What time of year are you going? Ed Lived near Christ hospital in Oak lawn around 20 years ago.............no parking issues there...... I wil...
by Mrxyz
Mon Oct 06, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 3542

Re: Road trip to Chicago with kids- what to do/recommendatio

field museum navy pier cab it in museum district go to top of willis tower or john hancock building for a nice view nike store is cool there Might be a little cold for Navy Pier soon. Not really. On Navy Pier, you have the Children's Museum, the Stained Glass Museum, and a number f restaurants, all...
by Mrxyz
Mon Oct 06, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 3542

Road trip to Chicago with kids- what to do/recommendations?

Hi all, I am taking my kids to Chicago for around 4 to 5 days in the coming weeks and wonder what recommendations you may have. Kids are 7 - 13 years in age. I have plans for buying the City pass ( http://www.citypass.com/chicago ) and going to the many locations offered. I will have a car to drive ...
by Mrxyz
Sat Oct 04, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 3542

Re: Should I (physician) get an MBA?

I work with several physicians/surgeons and hospital administrators in the C suite across several hospitals. I think that most physicians are excellent at being physicians, but are not necessarily good administrators. An advanced degree can help - but more importantly is the tolerance of meetings, ...
by Mrxyz
Sat Oct 04, 2014 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I (physician) get an MBA?
Replies: 31
Views: 3970

Re: Repair Van or buy new Van/SUV?

Axle replacement is not a big deal, I would get the van repaired rather than buying a new vehicle just because of that. My '97 Accord driver side CV split earlier this year and I replaced it myself with a new axle that cost < $60. Unfortunately this week I saw the passenger side axle has the same s...
by Mrxyz
Sat Oct 04, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Repair Van or buy new Van/SUV?
Replies: 20
Views: 1608

Repair Van or buy new Van/SUV?

Hi I have a 2005 Honda Odyssey LX leather, with 150G miles- single owner(us), working fine. I was told last week that the inner CV boots are leaking a 'lot of grease' and strongly recommend replacing both front axles and passenger-side axle seal. Cost to repair at dealer was around $950 and at Midas...
by Mrxyz
Fri Oct 03, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Repair Van or buy new Van/SUV?
Replies: 20
Views: 1608

Re: Vanguard order placement to execution

@Mrxyz - Look into automatic investment. It'll give you more free time during the end of the week. :D I could do that, but I am not always sure of how much money I will have to move to the taxable from my bank account every month. But, its certainly possible to put a baseline minimum automatically ...
by Mrxyz
Fri Sep 26, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard order placement to execution
Replies: 7
Views: 1081

Re: Vanguard order placement to execution

Thanks for the replies. I have been 'faithfully' (too strong a word but..) adding money to taxable stocks over the years, usually at least monthly. For whatever reason, I have been buying the funds on Thursdays/ Fridays, (perhaps because I have more free time during end of week). It seems the stock ...
by Mrxyz
Fri Sep 26, 2014 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard order placement to execution
Replies: 7
Views: 1081
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