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Re: Hello new to the boards [If retirement funds not used up

Ok i see. I am starting to plan for retirement and my company currently offers a 401K where they match 100% up to 3% of my salary... + another 50% up to 5% of my salary. I plan on contributing 5% of my salary for the 401K. Good start. To do anything else would be to give up free money. And it will ...
by Saving$
Mon Sep 01, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hello new to the boards [If retirement funds not used up?]
Replies: 13
Views: 603

International in Taxable - Advantage?

According to the Wiki, http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement all other things being equal, if you can put your international allocation in taxable, there is a slight advantage. I get that if you have millions even a slight advantage makes a difference. But if you ...
by Saving$
Mon Sep 01, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: International in Taxable - Advantage?
Replies: 5
Views: 456

Re: Does your employer still offer pensions to new hires?

I have NEVER worked for an employer with a DB plan.
Employers have ranged from non profit and private companies with +500 employees, to private companies with 5-10 employees.
by Saving$
Mon Sep 01, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3654

Re: Costco:is it worth it for just two people?

One Costco is about 12 miles away, the other is about 10 miles. I go about once per month. I buy mostly food, and find Costco offers organic options the local grocery does not offer, or which are MUCH more expensive at the local grocery. Example: Organic Chicken = $5.99/lb at Costco, and 7.99 at loc...
by Saving$
Mon Sep 01, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 111
Views: 6561

Re: Help Please: Retirement plan vs. Higher Salary

If Option #2 still lets you invest in an optional 401k, it might be worth considering. Otherwise, I think Option #1 is by far the best option. Here is my reasoning: 1. Yes you have alot of student loans to pay off, but you are committed to paying them, your living expenses are reasonable, so you don...
by Saving$
Mon Sep 01, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Please: Retirement plan vs. Higher Salary
Replies: 30
Views: 2037

Re: Fidelity Charitable Fund Questions

Depending on how much you are considering putting into a DAF, note there is a minimum fee of $100, or 0.6%, so if you donate just $10k, the fee is more than 0.6%.

Note also that if you donate more than $500k, the 0.6% goes down.
by Saving$
Sun Aug 24, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Charitable Fund Questions
Replies: 31
Views: 1601

Re: 87 Year Old Grandmother Has $600,000 In the Bank

As has been suggested, a CD ladder could work. Depending upon the monthly spend rate, would suggest $100-$200k go to a high yield savings, and the rest into CD ladder. Otherwise, the only thing I would say you should encourage changing is that 0.05% return on the cash. There are plenty of financial ...
by Saving$
Sun Aug 24, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5480

Re: Online property tax payment lost

1. When dealing with governments, I find they must literally go by the letter of the law, so these issues are generally not negotiable. I would find out if your county goes by postmark, or if they go by actual date of receipt of check. - if by postmark, you have a strong case in the form of third pa...
by Saving$
Sun Aug 17, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online property tax payment lost
Replies: 23
Views: 1398

Re: Help with solo 401k

I'll add one more item - you may wish to look beyond Fidelity and Vanguard and find a Solo 401k that also offers the Roth 401k options. There was a discussion here a while back and noone had identified such yet, but if it is available, it is certainly advantageous.
by Saving$
Sun Aug 17, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with solo 401k
Replies: 15
Views: 978

Re: Help with solo 401k

Do you currently have either a 401k /403b or similar from a former employer that is a) still with that former employer or b) rolled over into a standard tax deferred IRA? Do you currently have a standard IRA (not Roth) that you funded with pretax dollars? If the answer to either one of these is yes,...
by Saving$
Sun Aug 17, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with solo 401k
Replies: 15
Views: 978

Re: USAA Changes effective 6 Aug 14

Day late and dollar short. I hung in there with USAA for years. Having become a Boglehead, and trying to simplify, I moved the last bit with USAA to Fidelity earlier this year. See no reason to move back.
by Saving$
Fri Aug 15, 2014 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: USAA Changes effective 6 Aug 14
Replies: 28
Views: 3805

Re: Fear of Disclosing Net Worth

Do you have an umbrella policy? If so, you were probably required to disclose your net worth in bracketed amounts. Thus your insurer knows. Other than that, I agree with the reluctance to disclose. That is why I am reluctant to put all my accounts in the Fidelity All View. And my housing and spendin...
by Saving$
Sun Aug 10, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8129

Re: How do you address your inlaws and being addressed?

I too was raised to address elders with a title. I am still in contact with an elderly couple who were neighbors when I was 2. I grew up calling them Mr. and Mrs. Lastname. Recently they suggested I call them by their first name. I really tried, but it felt disrespectful. They are Mr. and Mrs. Lastn...
by Saving$
Fri Aug 08, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4738

Re: ITOT vs FSTMX/FSTVX

Unlike ITOT, which is an ETF and is priced continuously, FSTMX is a mutual fund which is only priced once at the end of the day. It takes a bit after market-close to update, so you're likely looking at yesterday's quote. It's now showing +1.12% Bob That's it. I don't check often enough to know how ...
by Saving$
Fri Aug 08, 2014 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: ITOT vs FSTMX/FSTVX
Replies: 3
Views: 302

ITOT vs FSTMX/FSTVX

Per the wiki, http://www.bogleheads.org/wiki/Three-fund_portfolio#Other_than_Vanguard.2C_Boglehead-style the equities component of the basic three fund portfolio can be achieved through both - Fidelity, using Fidelity Spartan Total Market Index Fund (FSTMX or if >$10k, FSTVX) or - Blackrock iShares ...
by Saving$
Fri Aug 08, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: ITOT vs FSTMX/FSTVX
Replies: 3
Views: 302

Bank Asking me Questions

Logged on to an account I have and the bank now requires me to answer the following questions before I can get to my account 1. My occupation (big long drop down to select from) 2. Am I self employed (Y or N) 3. What is the source of the funds going into the account (drop down has about 6 options - ...
by Saving$
Tue Aug 05, 2014 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Asking me Questions
Replies: 13
Views: 2035

Re: Landscape Mulch/Bark "Glue"?

Ged wrote:Mulch Lock

http://www.homedepot.com/p/Mulch-Lock-1 ... /205094101

I haven't tried it.


Thanks! That might be it. I will research that product and probably give it a try...
by Saving$
Mon Aug 04, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Landscape Mulch/Bark "Glue"?
Replies: 5
Views: 664

Re: Window Wells Filling / Contractor Question

Well, we don't have a drawing or elevations, so we don't really know what the exact situation is, however.... Generally, regrading is not going to solve the problem of water getting into your basement through the window well. What needs to happen is: 1. The window well needs a relief. Usually, there...
by Saving$
Mon Aug 04, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Window Wells Filling / Contractor Question
Replies: 12
Views: 814

Re: Advice: Remodel of kitchen, bath, and basement?

The kitchen is the most important part. Since you have never done this before, you need to do that LAST. Do the work in this order: 1. Bath in basement, and if that is going well, then also family room 2. Bath upstairs If both the above go well, then lastly you can do: 3. Kitchen & bath on main ...
by Saving$
Mon Aug 04, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Advice: Remodel of kitchen, bath, and basement?
Replies: 30
Views: 1424

Landscape Mulch/Bark "Glue"?

I've googled but found nothing. Hoping some Bogleheads who have a landscaping service might have a response. Several years ago, in a high end subdivision, I saw a local landscape company apply a glue type spray over cypress mulch/bark they had put down in the landscaping. It turned the mulch into a ...
by Saving$
Sun Aug 03, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Landscape Mulch/Bark "Glue"?
Replies: 5
Views: 664

Re: Can't decide final New Construction Option for Master Ba

If those are the only three options, without a doubt do option 2, if only for resale value.

The cost is the net - they take out the cost of Option 1 and add back the cost of Option 2 and charge you the net.
by Saving$
Fri Aug 01, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Can't decide final New Construction Option for Master Bath
Replies: 16
Views: 988

Understanding Mutual Fund Purchase Price

With mutual funds you can supposedly buy a round dollar amount, and they sell you fractional shares of the fund, vs. stocks and ETF's, where you need to buy a whole share. However, is there a limit to rounding at some fund companies? Example (and I don't care about the 3 cents, I'm just trying to un...
by Saving$
Fri Aug 01, 2014 2:36 am
 
Forum: Investing - Theory, News & General
Topic: Understanding Mutual Fund Purchase Price
Replies: 6
Views: 901

Re: Prepayment on mortgage for a not-forever home?

Assuming you max out your 401k, you do the backdoor Roth (yes you probably qualify) and do an HSA if available, then your choice is between paying down the mortgage or investing in taxable. Paying the mortgage gets you a guaranteed 3.375% return. What do you think you will get in taxable? If you thi...
by Saving$
Fri Aug 01, 2014 2:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Prepayment on mortgage for a not-forever home?
Replies: 33
Views: 2311

Re: confused about adjustable reverse mortgage terms

I'd try to stay away from these products. The fees alone are a rip off. What is the rate of her current mortgage and how long does she have left? If you are just trying to free up $350/month cash flow, I'd look into things such as renting out a room during the summers when students have internships ...
by Saving$
Wed Jul 30, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: confused about adjustable reverse mortgage terms
Replies: 7
Views: 804

Re: debt advice needed for family

1. Employer 401k to get the max match. 2. If you have PMI like another poster suggested (although I saw no hint of that in the OP), use emerg fund to pay down mortgage and refi to get rid of that. I would refi to something like the no cost Pen Fed 15/15 - rate is in the 3's and it gives you leeway t...
by Saving$
Thu Jul 24, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: debt advice needed for family
Replies: 10
Views: 1361

Re: Patio door recommendations

I work in the industry. You get what you pay for when it comes to the higher end patio doors. Particularly when it comes to before and after customer service and certain types of performance. There are also different grades within different brands. I will say there are certain things that you shoul...
by Saving$
Thu Jul 24, 2014 4:19 am
 
Forum: Personal Consumer Issues
Topic: Patio door recommendations
Replies: 15
Views: 1029

Re: Mortgage Prepayment Question

I agree with the OP. When I make a substantial principal prepayment on my mortgage, although the total payment the next month remains the same (the prepayment only shortens the original 30 year term), the portion of the next payment that is interest is substantially reduced, and correspondingly, the...
by Saving$
Tue Jul 22, 2014 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 43
Views: 3184

Re: Helping My Grandmother

For the immediate, put the $30k into SFGI online account earning 1.01%. That is better than most else out there and a good place while you figure out what to do. OK, she has $30k cash. what is the cash for? - Presumably for emergencies? Is she really going to dip into the $30k if the furnace goes ou...
by Saving$
Tue Jul 22, 2014 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3301

Re: Anyone switch to non-branch banking?

Does anyone have any experience with these banks? Quorum Federal Credit Union SFGI Direct Salem Five Direct These are only ones I found with 1% APY Would love info on Quorum FCU SFGI seems good. Have an account with them with no problems; had one glitch when it first opened that was resolved in one...
by Saving$
Sun Jul 20, 2014 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 54
Views: 4391

Re: Tenant request lease agreement is named in LLC?

Yes, there are ALOT of downsides to this. But they can be overcome. I would ask tenant WHY they are doing this. Do they have another primary residence? Is this a weekday place the business is paying for? Is the tenant willing to sign a personal guarantee in addition to the lease, and is the tenant w...
by Saving$
Fri Jul 18, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenant request lease agreement is named in LLC?
Replies: 17
Views: 2298

Re: Wife has no retirement options- is breadwinner

1 - Max your 401k 2 - Max both Roth IRAs 3 - Max any HSA you might have access to 4 - Start piling up funds in tax efficient taxable Vanguard mutual funds (such as the Total Stock Market Index, the Total International Index, and/or the S&P 500 Index). Keep bonds and any REITs in the retirement ...
by Saving$
Fri Jul 18, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3363

Re: Wife has no retirement options- is breadwinner

I liked the idea someone mentioned of her establishing her own LLC and contracting with her employer. I wonder what he would think. Are there any negatives to that from his perspective? He might not be allowed to do that legally; that's the only negative I can think of. Normally employers love shif...
by Saving$
Fri Jul 18, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3363

Re: Replace Motor or Buy New Washing Machine?

So you save $265 max for an old machine. Here is what I would do (and I also could repair it as you describe but over the years have learned it is not worth it): 1. Unplug the thing and leave it unplugged for about 48 hours. Then plug it back in and see if it works. I have successfully done this wit...
by Saving$
Sun Jul 06, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Replace Motor or Buy New Washing Machine?
Replies: 24
Views: 1507

Re: Homeowner responsibility for water service line

This is not a good deal. Put the $4.95/month in a savings account to help toward paying if your line ever breaks.
by Saving$
Sun Jul 06, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner responsibility for water service line
Replies: 45
Views: 2118

Re: Getting a universal remote that's really universal?

I second the vote for a Logitech Harmony. I have the Monster branded one, which uses a version of the Logitech software. Best $80 I ever spent on electronics.
by Saving$
Sun Jul 06, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Getting a universal remote that's really universal?
Replies: 12
Views: 1053

Re: Buying adult child a house vs paying their rent

Oh my am I ever familiar with this type of situation. Under no circumstances should mom buy a house for daughter. For all the reasons mentioned above, plus: 1. Now mom pays rent & utils when daughter cannot. If mom buys a house, I can almost 100% guarantee mom will be paying rent 100% of the tim...
by Saving$
Sat Jul 05, 2014 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying adult child a house vs paying their rent
Replies: 37
Views: 4175

Re: Bad paint job - Course of action help pls

I did not read all the responses (so sorry if I repeat), but tried to read all your posts. Technically, your painter must perform the work to the specifications. As a practical matter, conversations don't matter, written document do. What documents did your designer produce? Did the painter base his...
by Saving$
Sat Jul 05, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: Bad paint job - Course of action help pls
Replies: 28
Views: 2616

Re: Continue subscribing to local newspaper?

I have an entirely different view on this than the all the previous posters. I live in what is widely regarded as the most corrupt city and state in the country. Something like 10% of all our city alderman go to prison. Jesse Jackson Jr is in prison. Two of the last three governors of Illinois are ...
by Saving$
Fri Jul 04, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6389

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

These sub zero refrig & Wolfe stoves are not very Bogleheadish. A friend has an 8 year old sub zero that is almost impossible to open. Turns out it needs new hinges, which will set them back over $600 for parts and $200 for install. And nothing else but a sub zero will fit in that space. I stron...
by Saving$
Fri Jul 04, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 49
Views: 3692

Re: "Having the wealth transfer conversation"

You might want to provide (in your Will) for your children to receive their shares in separate trusts rather than outright.... The cost isn't much more than the cost of doing a Will in which they receive their shares outright. Can you please explain this? I thought I've read over and over that the ...
by Saving$
Mon Jun 23, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Having the wealth transfer conversation"
Replies: 21
Views: 3041

Re: Suggestions for 1-2 Days in NYC?

I've got similar tastes as you described, and on a recent 3 night, 2 day trip did the following: 911 memorial Central Park MOMA (Museum of Modern Art) on one of their Free Fridays and had a very tasty and affordable meal there also. Guggenheim Museum (for the architecture, not the art) Highline and ...
by Saving$
Sat Jun 21, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3430

Re: Shopping at Costco

My membership is $55/year + my state taxes the membership, putting it at over $60. Prescriptions and alcohol do not require membership in my state. You can buy a Costco gift card on ebay or one of the other sites that resell gift cards. You can probably even get a discount on the gift card. The gift...
by Saving$
Mon Jun 16, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5143

Re: Am I crazy to pay down a 3% mortgage early?

I would not pour all $170k into the house. If house prices drop, it will be a great time to buy your primary residence, but a poor time to sell this one. Then you have all your equity tied up in this house and might not be able to get it out when needed. Also remember in addition to cap gains tax on...
by Saving$
Thu Jun 12, 2014 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay down a 3% mortgage early?
Replies: 41
Views: 4565

Re: Question About Investment Property Refiance

1. Have you figured out the break even duration for the $1700 in closing costs for each of your three options, both in terms of cash flow, and in terms of interest payment differential? Please post it. 2. Is there any chance you would pay this mortgage off early? Is so, when? 3. Do you have plans t...
by Saving$
Thu Jun 12, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question About Investment Property Refinance
Replies: 10
Views: 1199

Re: Rent Question

The advice above about submitting first months rent, etc is spot on to show you are serious, but be careful about doing this with the app. Just be clear you are ready and willing to sign a lease and pay as soon as you are accepted. Submitting with the app makes it seem like you are desperate, the LL...
by Saving$
Thu Jun 12, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent Question
Replies: 12
Views: 1784

Re: GoDaddy - Any better options for website hosting?

Google GoDaddy discounts. Some of the deal sites such as fatwallet have an entire collection of coupon / discount codes. There is one for renewals.
by Saving$
Wed Jun 11, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 21
Views: 3227

Re: Question About Investment Property Refiance

Try to bargain with them by asking what the rate would be for a no cost refi or a simple rate reset. May be worth it to let them know you area also shopping this at other banks. Chase is one that is doing the Harp refi's on investment property with no closing costs. They will lower the rate, and pic...
by Saving$
Mon Jun 09, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question About Investment Property Refinance
Replies: 10
Views: 1199

Experience buying services from sites offering discounts

There are a plethora of sites that sell discount "coupons" for various services. Sites like Groupon have expanded from the "deal a day" model to having deals that are posted for weeks or months on end. In addition to Groupon, there is Amazon Local, Living Social, Kudzu, HalfOff.c...
by Saving$
Mon Jun 09, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Experience buying services from sites offering discounts
Replies: 1
Views: 235

Re: Need Advice on Retiring at 50

Yes, this is plenty on which to retire. 1. Your spending is less than 2% of your assets. 2. What would "this is not enough to retire on" look like? Would it mean driving a car that costs $40k instead of $80k? Would it mean driving that car for 3-4 years instead of new car every year? Would...
by Saving$
Sun Jun 01, 2014 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Retiring at 50
Replies: 8
Views: 1221

Re: Budget for charitable giving

The reason people often suggest your alma mater or a religious organization is a personal connection. Try to think of your charitable giving as not only giving money, but giving to the mission of the organization. Give of your efforts as well. If you find an organization worth your time, surely it w...
by Saving$
Fri May 30, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Budget for charitable giving
Replies: 39
Views: 2628
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