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Re: FORUM REACHES 2,000,000 POSTS TODAY

Fantastic website. Well deserved!
by NOLA
Tue Apr 22, 2014 5:38 pm
 
Forum: Forum Issues and Administration
Topic: FORUM REACHES 2,000,000 POSTS TODAY
Replies: 52
Views: 1617

Re: Best "Online Service" Hotel Room/Car Deals

Lots of great info!
by NOLA
Sat Apr 19, 2014 11:50 pm
 
Forum: Personal Consumer Issues
Topic: Best "Online Service" Hotel Room/Car Deals
Replies: 12
Views: 986

Re: How can "value beats growth" be a rule?

Seems to me that any investment portfolio that ignores significant tax consequences to the investor is less than ideal. I think I missed something. How is this pertinent? Stocks in taxable & bonds in tax-advantage accounts I assume? Even though a target retirement fund might be best for most pe...
by NOLA
Mon Apr 14, 2014 12:03 am
 
Forum: Investing - Theory, News & General
Topic: How can "value beats growth" be a rule?
Replies: 21
Views: 1357

Re: Chess.com is The Bomb

Haven't played in 10-15 years, but it was/is a lot of fun. Maybe it's time to try it again.
by NOLA
Sun Apr 13, 2014 11:55 pm
 
Forum: Personal Consumer Issues
Topic: Chess.com is The Bomb
Replies: 10
Views: 1304

Re: Investor from Finland

Wish I could help you, but don't know much about how it works in Finland. I understand that you were asking about US stocks and not sure how long you plan on staying there. However, if you plan on staying there for a while, Finland might have something similar to Sweden(Avanza zero) that doesn't cha...
by NOLA
Sat Apr 12, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Investor from Finland
Replies: 49
Views: 1003

Re: I saw a "Boglehead" on my flight yesterday!

The reference I made earlier to the other passenger I had onboard that was using the "Vanguard" pen? Well, the funniest thing was HE was using HIS Vanguard pen, as he was doing paperwork on the flight, and I was using MY Vanguard pen as I worked on the beverage cart. I just happened to kn...
by NOLA
Fri Apr 11, 2014 12:31 am
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7671

Re: Edward Jones Advisory Solutions account

I have a feeling we won't be hearing back from "ed". This is better than listening to Kramer or Suzie! I'm not going anywhere. Obviously everyone on this post loves to make money. Can we all agree that investing in an index fund is a great investment? I agree with that. There are some gre...
by NOLA
Wed Apr 09, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Advisory Solutions account
Replies: 58
Views: 10261

Re: What's a good credit score?

I'm not the OP, but wanted to thank everyone that has contributed. Been curious about credit scores as well.
by NOLA
Wed Apr 09, 2014 12:26 am
 
Forum: Personal Consumer Issues
Topic: What's a good credit score?
Replies: 25
Views: 2069

Re: Expensive med. test not covered by insurance

I feel that the doctor is partly responsible. I assume he didn't break any laws, but he should have been able to advice you, especially if he has been there for 30 years.

Good luck, hope everything turns out ok.
by NOLA
Wed Apr 09, 2014 12:11 am
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3891

Re: When does depreciating a rental property save on taxes?

So besides the house, one can depreciate appliances, curtains, fence, etc. What if I used it as a personal home and then started renting it. Would I still be able to make depreciation on these items? If so, would I just estimate its fair market value? I would say yes, but I started using a CPA this...
by NOLA
Fri Apr 04, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: When does depreciating a rental property save on taxes?
Replies: 70
Views: 4291

Re: When does depreciating a rental property save on taxes?

I really appreciated the last couple of posters that included good examples. For me I can read sentence after sentence, but as soon as I see a great example it becomes a lot more clear.

Appreciate all the answers everyone(even if I'm not the OP).
by NOLA
Thu Apr 03, 2014 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: When does depreciating a rental property save on taxes?
Replies: 70
Views: 4291

Re: Do you have hardwood or tile in your kitchen?

Hardwood floor all throughout the main floor, even the bathroom. We bought it 4 years ago and love it. If we would have built our own house we probably would have chosen tile in the bathroom, but would never have anything but hardwood in the kitchen.

Good luck.
by NOLA
Fri Mar 28, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3120

Re: Best websites for foreign long term rentals

Yes, might not be easy To fmd an a,azimg low price. If a deal is too good to be true, it usually is. I would probably start by trying HomeAway since its used in so many countries. Find a few places that are willing to do long term rentals and start negotiating. Good luck and have fun.
by NOLA
Wed Mar 26, 2014 12:30 am
 
Forum: Personal Consumer Issues
Topic: Best websites for foreign long term rentals
Replies: 9
Views: 861

Re: Where to park short-term cash of 100K

My point was that if it the bank is requiring a 100k down payment...I get it. But if you are buying a $300k house, and putting 100k down because you *WANT* to...you *MAY* be making a mistake, depending on your rationale for doing so. I've never owned a house before, but I think most people shoot fo...
by NOLA
Sun Mar 23, 2014 12:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to park short-term cash of 100K
Replies: 31
Views: 2720

Re: Soliciting Ideas for Colorado Vacation in June

Only been to Colorado a few times, however the drive up to Mt Evans was amazing. Views were incredible and I consider myself pretty brave, but my knuckles got pretty white going up towards the top.
by NOLA
Sun Mar 23, 2014 12:08 am
 
Forum: Personal Consumer Issues
Topic: Soliciting Ideas for Colorado Vacation in June
Replies: 29
Views: 1991

Re: True Detective anyone?

Fantastic show, just like many of the other HBO shows. Can't watch any drama/action shows on regular cable anymore due to these premium channels. I also enjoyed the show since I live in New Orleans and it was filmed just outside of the city. Loved how they filmed it.
by NOLA
Sat Mar 22, 2014 11:53 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5188

Re: Edward Jones Advisory Solutions account

Yes, very well written response. Love it when people say their funds beat index funds 9 out of 10 times. They would lucky to beat index funds 3 out of 10 times during a single year.

Still waiting for the evidence!
by NOLA
Sat Mar 22, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Advisory Solutions account
Replies: 58
Views: 10261

Re: FutureAdvisor reducing exposure to US equities

Well, I don't think you will often hear an advisor say NOT to buy something.
by NOLA
Sat Mar 22, 2014 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: FutureAdvisor reducing exposure to US equities
Replies: 10
Views: 1118

Re: Do you have a Tax Advisor?

Oh, but that said, normally I don't use an advisor for taxes. I did for several years, but found that they made so many mistakes that I ended up having to do the return myself anyway, just to figure out what was wrong. It's one of those truisms that nobody cares as much about your money (taxes) as ...
by NOLA
Thu Mar 20, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Tax Advisor?
Replies: 21
Views: 1659

Re: Your thoughts on vacation home or second home

We just purchased a 2nd home/rental property on the Florida gulf coast 2 weeks ago. It's in an area where people often rent out your condo frequently and we always dreamed about one day having our own "place" on the beach. As of right now it will probably break even, however we will rent i...
by NOLA
Wed Mar 19, 2014 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 3617

Re: What premium items are least worth it?

An huge wedding with waaay too many people. Been to a couple where the cost was most likely $300-400k.

Edit - meant to say things that are overrated. And I know it's not an item, but still think it's overrated.
by NOLA
Mon Mar 17, 2014 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 5654

Re: 1 Year Update: Deployed in Afghanistan

Just wanted to thank you for your service. Keep up the great job, just remember that all the $ in the world is not worth the ultimate sacrifice.

Good luck!
by NOLA
Sun Mar 16, 2014 1:47 am
 
Forum: Investing - Help with Personal Investments
Topic: 1 Year Update: Deployed in Afghanistan
Replies: 7
Views: 1134

Re: Switch from TW to DirecTV & killed on receiver fees?

I just switched to Direct TV from Dish Network and so far we are happy. We have 3 receivers and DVR service on all 3, even though we really only need it for 2. We signed up through Costco and we pay around $52 for the first year and then i think its about $82. We have the package above basic and get...
by NOLA
Sat Feb 22, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Switch from TW to DirecTV & killed on receiver fees?
Replies: 18
Views: 1883

Re: Vacation - Hawaii, Mexico, other ideas?

I guess one question is this a friend or a girlfriend/boyfriend? Hawaii is fantastic. Maui is an amazing island, but like previous posters have already mentioned, Oahu is kind of overrated. However, I must say that the eastern/northern part of the island is really nice. As long as you get away from ...
by NOLA
Thu Feb 20, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3191

Re: What are reliable refrigerator brands these days?

Bought a Samsung with French doors about 2 years ago and very happy with it so far.
by NOLA
Sun Feb 16, 2014 11:31 pm
 
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 3765

Re: Cheap Flights to Europe, where do you find them?

It is usually interesting when looking for flights to try google.com/flights. After you enter your origin and destination, click on the little bar graph icon below and to the right of the return date. You can then look at the fares for various dates shown graphically. Very easy and quick to check f...
by NOLA
Thu Jan 23, 2014 2:12 am
 
Forum: Personal Consumer Issues
Topic: Cheap Flights to Europe, where do you find them?
Replies: 43
Views: 3064

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

Lets say 1953. Good luck everyone.
by NOLA
Thu Jan 02, 2014 1:24 am
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10655

Re: Eye Blood Vessel Broke

I got it almost 3 years ago. Happened because I had too much alcohol and had to "visit" the restroom. I was so scared until I understood what happened. Took about 2 Weeks to clear up so.it wasnt bad, the only bad thing is that it happened the day before my wedding. My wife wasnt too happy:-)
by NOLA
Tue Dec 17, 2013 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Eye Blood Vessel Broke
Replies: 12
Views: 1164

Re: Happiness and the pooling of marital assets

Interesting article. I believe it goes both way. We pool our money cause we are happy with our marriage, not because pooling makes us happy.
by NOLA
Thu Sep 19, 2013 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Happiness and the pooling of marital assets
Replies: 58
Views: 5228

Re: Asset Allocation

Thanks for updating. Always good to see what happens in "real life".
by NOLA
Tue Sep 17, 2013 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 33
Views: 2130

Re: Poll: $ monthly contribution to 529/college savings

Towards the end of the year I just deposit what the annual college costs are (~$24k this year) are and then take the money out a few weeks later. Our dumb state gives the state tax deduction on gross annual contributions, not net contributions. And you wonder why states are broke. Interesting. Do y...
by NOLA
Mon Aug 19, 2013 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 5589

Re: High handicap golf nut

I like the idea about yoga(not that I do it). Could most like help improve your game & prevent you from injuries down the road.
by NOLA
Mon Aug 05, 2013 12:05 am
 
Forum: Personal Consumer Issues
Topic: High handicap golf nut
Replies: 18
Views: 1570

Re: Poll: At what age did you hit $500k Net Worth

I think we are just short of $500k if equity is included. Have about $250k in investments & $230-250k in equity. The equity is based on what houses go for in the neighborhood right and it could very well be worth less in the future.
by NOLA
Sun Aug 04, 2013 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: At what age did you hit $500k Net Worth
Replies: 68
Views: 7393

Re: Photos of my bike tour from Missoula, MT to Japser, AB

Wow, amazing photos. Many of them seemed like postcards.
by NOLA
Sun Aug 04, 2013 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Photos of my bike tour from Missoula, MT to Japser, AB
Replies: 46
Views: 2966

Re: Just had a baby- need to start saving for college

First of all congrats, we just had a baby girl a few months ago and its amazing being a parent. I'm in the process of looking into 529s as well. As a poster mentioned earlier, they have been sort of expensive before, but many of them are getting better. An article was posted not too long ago and it ...
by NOLA
Thu Jul 25, 2013 11:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just had a baby- need to start saving for college
Replies: 36
Views: 3209

Re: What did Bogleheads do when the stock market crashed?

Wasn't a boglehead at the time, but guess we didn't think about it much at the time. Had money invested in stocks that was bought when I was a kid, but it wasn't until a few years ago that we really started to think about the scenario. We live in an area that wasn't affected much by the crash (New O...
by NOLA
Thu Jul 25, 2013 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 127
Views: 79328

Re: US Open tennis

Was supposed to go, but the conference got postponed until next year. I'm a teaching pro and the United State Professional Tennis Association has a conference right before the US Open. Its great to go out and watch some fantastic tennis. Just like Fsrph mentioned, I really enjoy watching the outside...
by NOLA
Tue Jul 23, 2013 4:56 pm
 
Forum: Personal Consumer Issues
Topic: US Open tennis
Replies: 43
Views: 3519

Re: Weber Grill and Consumer Reports

Have never owned a Weber, but interested in this thread. Has anyone that lives in a very humid place noticed a difference in performance etc? I live in a semi-tropical climate (New Orleans) and have always been scared to buy a high-performance grill due to the humidity. Curious to see if a Weber las...
by NOLA
Sat Jul 20, 2013 11:10 am
 
Forum: Personal Consumer Issues
Topic: Weber Grill and Consumer Reports
Replies: 44
Views: 5446

Re: Cashing out Standard IRA to purchase first home

I agree with the previous advice. Don't touch the IRA, instead do all you can to save as much as possible during the next year or two. Eat at home, skip going to the movies, no vacations etc. It will be tough, but so worth it when you sit there enjoying your new house.

Good luck
by NOLA
Thu Jul 18, 2013 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Cashing out Standard IRA to purchase first home
Replies: 6
Views: 432

Re: Thank you for saving me once again

Taylor, Im so sorry to hear about your loss. Hopefully she is in a better place now.
by NOLA
Wed Jul 17, 2013 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 15435

Re: Lake condo expenses

Yes, expenses can add up. Did you ever plan on renting it out like people do in Florida etc?
by NOLA
Sat Jul 13, 2013 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Lake condo expenses
Replies: 15
Views: 1981

Re: Do you consider paying to play sports a worthwhile spend

Not sure if you are single, but you might end up meeting your future wife/husband this way. I met my wife due to tennis and have so many great friends that I would never had the chance to meet if it wasn't for sports.
by NOLA
Sat Jul 13, 2013 8:33 am
 
Forum: Personal Consumer Issues
Topic: Do you consider paying to play sports a worthwhile spending?
Replies: 32
Views: 1925

Re: Passport Expediting Services

Used the expedited service for our 2 month old daughter since we took a trip to Sweden. Worked really well. Even got denied the first time since the photo wasn't according to the rules. So sent a new one and they sent the password a few days later.
by NOLA
Tue Jul 09, 2013 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Passport Expediting Services
Replies: 12
Views: 812

Re: Current interest rates, housing & the US economy

Most people buy as much house as they can 'afford'. In other words, they go for the highest monthly payment the bank will qualify them for. A month ago someone who could qualify for $100,000 mortgage had payments of $457.46 at the rate of 3.65%. Today the rate is 4.65% and for a payment of $465.46 ...
by NOLA
Mon Jul 08, 2013 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Current interest rates, housing & the US economy
Replies: 9
Views: 1243

Re: Beef brisket

Really enjoyed this thread. Got me motivated and glad that it worked out well.
by NOLA
Sat Jul 06, 2013 9:00 am
 
Forum: Personal Consumer Issues
Topic: Beef brisket
Replies: 53
Views: 5722

Re: What are you seeing in your Local Housing Market?

We live in New Orleans, which has a weird real estate market. You can have million dollar listings & two blocks down the road there are section 8 homes. We live in a historic neighborhood and listings never last very long. Its definitely a seller's market. Our realtor told us a year ago that the...
by NOLA
Thu Jun 27, 2013 3:18 pm
 
Forum: Personal Consumer Issues
Topic: What are you seeing in your Local Housing Market?
Replies: 82
Views: 5741

Re: What age did you reach 100K networth?

Not sure since had some stocks that family bought long time ago. So maybe 20-25, but it wasn't thanks to me. My wife is now 32 & I'm 33 and we have around triple that amount including home equity. Would have been more if I would have met you guys earlier.
by NOLA
Sun Jun 16, 2013 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 31251

Re: Tax implications on taxable accounts

You pay taxes based on the gains and the length of time you have held them. If you are in the 10/15% tax-bracket, you pay zero after 1 year. Over that, you only pay 15% if held over 1 year. Sell before that time, you pay at whatever tax-bracket you are in. Yup, Vanguard will give you a form to take...
by NOLA
Sat Jun 15, 2013 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax implications on taxable accounts
Replies: 35
Views: 2742

Re: Pest control with concerns about baby

We have a 3-month old and we live in the South with a very hot & humid climate. Not sure actually, but we have a pest control company spray outside every 12 months and so far its been pretty good. Have seen a few roaches since we bought the house 3.5 years ago, but it hasn't been that many.
by NOLA
Thu Jun 13, 2013 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Pest control with concerns about baby
Replies: 12
Views: 980

Re: We Want You Back

Great, let's say I lose 10k due to following their advice - Hey here you get the magazine for free. Sweet.
by NOLA
Thu Jun 13, 2013 2:17 pm
 
Forum: Personal Consumer Issues
Topic: We Want You Back [Money Magazine subscription renewal]
Replies: 8
Views: 1418
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