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by NOLA
Fri May 22, 2015 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 201
Views: 37050

Re: Share your story of how you got wealthy

nakedbird226 wrote:My net worth just became positive a week ago...Hopefully in 10 years or so from now I'll be able to share a story. 8-)

Edit
8/12/13 net worth = - $ 24,000
5/13/14 net worth = ~ $ 300

I am thankful it took me less than a year to get out of the red.


Awesome, keep it up!
by NOLA
Thu May 21, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Whole life or term life?
Replies: 23
Views: 1451

Re: Whole life or term life?

There are people that can explain it much better than me, but term life is almost always better than whole life. However, salespeople unfortunately often steer you towards whole life. I wonder if the sales rep will actually tell you how expensive whole life really is. Good luck and you will get some...
by NOLA
Mon May 11, 2015 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Finally getting serious about it (33 years old)
Replies: 14
Views: 1892

Re: Finally getting serious about it (33 years old)

Timing the market just doesn't work. Or we all would be doing it. However, I must say that you are in a very good shape with your finances. There are way too many people on this forum that are smarter than me, so I will let them assist you. However, I like the fact that you don't believe you are in ...
by NOLA
Mon Mar 30, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 11011

Re: Closing out my first 'snowbirding' winter

We purchased a condo in Destin, FL a year ago and we rent it out through a management company. Always fun to hear about the experiences from all the "snowbirds". It's a great time to be in Florida and the beaches are beautiful.
by NOLA
Mon Mar 02, 2015 8:44 pm
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 5868

Re: Taylor Larimore Honored

Wow. Very impressive!
by NOLA
Mon Mar 02, 2015 1:26 pm
Forum: Investing - Theory, News & General
Topic: "Lessons Learned With Stocks Up 60% From the Precrash High"
Replies: 12
Views: 3598

Re: "Lessons Learned With Stocks Up 60% From the Precrash Hi

Thanks for posting Taylor. Simple yet effective article.
by NOLA
Sat Jan 31, 2015 12:56 am
Forum: Personal Consumer Issues
Topic: Cricket Ups High Speed Data on Most Plans
Replies: 6
Views: 744

Re: Cricket Ups High Speed Data on Most Plans

Since switching to Aio (now Cricket) last spring, I have been quite happy with the service. I bought a basic smart phone, and after a few months on the $35 plan, the difference in cost from my previous plan recouped the phone purchase price. After that I have just the savings have been considerable...
by NOLA
Sat Jan 31, 2015 12:39 am
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4754

Re: Good Wines

I really like 14 Hands & Liberty School as well. Highly recommended.
Peter Lehmann, Sebastiani & Dreaming Tree are others that I like in that price range. Even though I feel Sebastiani 2009 was a better year.
by NOLA
Fri Jan 23, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buying life insurance online
Replies: 21
Views: 774

Re: Buying life insurance online

Good topic and we are getting closer to buying life insurance as well. Don't mean to change the topic, but does anyone know the difference when it comes to alcohol use etc. We don't smoke, but like to have the occasional glass of wine. Will we not be considered preferred plus? Or does having a glas...
by NOLA
Fri Jan 23, 2015 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Buying life insurance online
Replies: 21
Views: 774

Re: Buying life insurance online

Good topic and we are getting closer to buying life insurance as well. Don't mean to change the topic, but does anyone know the difference when it comes to alcohol use etc. We don't smoke, but like to have the occasional glass of wine. Will we not be considered preferred plus? Or does having a glass...
by NOLA
Tue Aug 19, 2014 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Repeat: PBS Frontline The Retirement Gamble
Replies: 5
Views: 2564

Re: Repeat: PBS Frontline The Retirement Gamble

Thanks, just set the DVR. Seems like it is shown again at 2 AM CST.
by NOLA
Thu May 29, 2014 2:32 am
Forum: Investing - Help with Personal Investments
Topic: Beach Condo
Replies: 26
Views: 3110

Re: Beach Condo

We've been itching to get a beach front property for a few years now. We've been looking but some of the hurricanes and the BP oil spill scared us off. We've kept an eye on the market on the west coast of FL and it seems like a decent time to jump in. Yes, the catastrophic risk will always be there...
by NOLA
Tue May 27, 2014 11:13 pm
Forum: Personal Consumer Issues
Topic: best way to find one month rental Las Vegas
Replies: 6
Views: 633

Re: best way to find one month rental Las Vegas

Yes, cant go wrong with VRBO, Homeaway or Airbnb.
by NOLA
Mon May 26, 2014 10:18 pm
Forum: Personal Consumer Issues
Topic: [Visiting] Destin, FL
Replies: 21
Views: 1944

Re: [Visiting] Destin, FL

It's a really nice little place, and it keeps growing. We just bought a condo there earlier in the year and the summer can get really busy. Can easily get stuck in traffic. The beaches are amazing and it's a great place to just relax on the beach/pool. If you want to leave Destin for the day, you sh...
by NOLA
Sun May 25, 2014 10:53 pm
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 8843

Re: Question for renters that are happily renting..

Annual rent increases are the norm in many areas and they can exceed the rate of inflation. I think increases in my area have averaged 4-6% per year with recent increases being even higher. Buying a home in ten or twenty years could involve significant price appreciation relative to current prices....
by NOLA
Sat May 24, 2014 6:15 pm
Forum: Investing - Theory, News & General
Topic: I need some "hand-holding" right now...
Replies: 51
Views: 5798

Re: I need some "hand-holding" right now...

My IQ is below average compared to most posters here. However, i will say this, CNBC and Fox News are not your friends. They are in the entertainment industry and will do/say whatever they can to keep you glued to their show. If they said just buy and hold index funds, there would be no reason to wa...
by NOLA
Sat May 24, 2014 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: My financial advisor doubt
Replies: 40
Views: 7875

Re: My financial advisor doubt

Seems like you made a good choice and you will probably sleep better at night as well. Good luck.
by NOLA
Wed May 07, 2014 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is 6 months of savings needed?
Replies: 33
Views: 3913

Re: Is 6 months of savings needed?

This might not be very "boglehead", but I think it depends. If you are married and it is very unlikely both of you lose your jobs, 3-4 months might be enough. This is only my opinion and most people on this board will probably disagree with me.
by NOLA
Sun May 04, 2014 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Good Deal for a rental?
Replies: 8
Views: 703

Re: Good Deal for a rental?

Seems like the numbers are good. Almost too good?
by NOLA
Tue Apr 22, 2014 4:38 pm
Forum: Forum Issues and Administration
Topic: FORUM REACHES 2,000,000 POSTS TODAY
Replies: 54
Views: 10994

Re: FORUM REACHES 2,000,000 POSTS TODAY

Fantastic website. Well deserved!
by NOLA
Sat Apr 19, 2014 10:50 pm
Forum: Personal Consumer Issues
Topic: Best "Online Service" Hotel Room/Car Deals
Replies: 12
Views: 1361

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

Lots of great info!
by NOLA
Sun Apr 13, 2014 11:03 pm
Forum: Investing - Theory, News & General
Topic: How can "value beats growth" be a rule?
Replies: 21
Views: 1492

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
Sun Apr 13, 2014 10:55 pm
Forum: Personal Consumer Issues
Topic: Chess.com is The Bomb
Replies: 10
Views: 1458

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
Sat Apr 12, 2014 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Investor from Finland
Replies: 50
Views: 1782

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
Thu Apr 10, 2014 11:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 12977

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
Wed Apr 09, 2014 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Advisory Solutions account
Replies: 68
Views: 18719

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
Tue Apr 08, 2014 11:26 pm
Forum: Personal Consumer Issues
Topic: What's a good credit score?
Replies: 25
Views: 5301

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
Tue Apr 08, 2014 11:11 pm
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 5637

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
Thu Apr 03, 2014 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: When does depreciating a rental property save on taxes?
Replies: 70
Views: 5089

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
Wed Apr 02, 2014 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: When does depreciating a rental property save on taxes?
Replies: 70
Views: 5089

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
Fri Mar 28, 2014 10:27 pm
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3889

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
Tue Mar 25, 2014 11:30 pm
Forum: Personal Consumer Issues
Topic: Best websites for foreign long term rentals
Replies: 9
Views: 954

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
Sat Mar 22, 2014 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park short-term cash of 100K
Replies: 31
Views: 10734

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
Sat Mar 22, 2014 11:08 pm
Forum: Personal Consumer Issues
Topic: Soliciting Ideas for Colorado Vacation in June
Replies: 29
Views: 2625

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
Sat Mar 22, 2014 10:53 pm
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 6035

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 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Advisory Solutions account
Replies: 68
Views: 18719

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 9:53 pm
Forum: Investing - Theory, News & General
Topic: FutureAdvisor reducing exposure to US equities
Replies: 10
Views: 1460

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
Thu Mar 20, 2014 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a Tax Advisor?
Replies: 21
Views: 1937

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
Wed Mar 19, 2014 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 4563

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
Sun Mar 16, 2014 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 7195

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
Sun Mar 16, 2014 12:47 am
Forum: Investing - Help with Personal Investments
Topic: 1 Year Update: Deployed in Afghanistan
Replies: 7
Views: 1204

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
Sat Feb 22, 2014 2:49 pm
Forum: Personal Consumer Issues
Topic: Switch from TW to DirecTV & killed on receiver fees?
Replies: 18
Views: 2432

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
Thu Feb 20, 2014 12:06 pm
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3813

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
Sun Feb 16, 2014 10:31 pm
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 12159

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
Thu Jan 23, 2014 1:12 am
Forum: Personal Consumer Issues
Topic: Cheap Flights to Europe, where do you find them?
Replies: 43
Views: 3752

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 02, 2014 12:24 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 16395

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

Lets say 1953. Good luck everyone.
by NOLA
Tue Dec 17, 2013 8:02 pm
Forum: Personal Consumer Issues
Topic: Eye Blood Vessel Broke
Replies: 12
Views: 1199

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
Thu Sep 19, 2013 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Happiness and the pooling of marital assets
Replies: 58
Views: 5328

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
Tue Sep 17, 2013 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 33
Views: 2197

Re: Asset Allocation

Thanks for updating. Always good to see what happens in "real life".
by NOLA
Sun Aug 18, 2013 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 7214

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...

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