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

Responding as a complete newb, what about a Lenovo that is 5+ years old? Still at risk? I'm sure some tech website will be posting precise instructions on how to determine if your machine has the problem. The crux of the problem is the adware called Superfish that installs its own root certificate ...
by Savvy
Thu Feb 19, 2015 10:01 am
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4668

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

Responding as a complete newb, what about a Lenovo that is 5+ years old? Still at risk?
by Savvy
Thu Feb 19, 2015 9:48 am
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4668

Re: Credit Score got hit hard

Sorry to hear. I would strongly recommend you place all credit cards on autopay for this exact reason - one less thing to worry about and forget to do.

You may be able to call and resolve, I think there was a thread on this recently.

Good luck!
Savvy
by Savvy
Wed Feb 18, 2015 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Score got hit hard
Replies: 41
Views: 3841

Re: Is "Financial Independence" the new "Retirement?"

This article from Money pulled a few concepts together for me that I've been reading and writing a lot about. It's called "Forget About Retirement Planning for Millennials." http://time.com/money/3686209/retirement-planning-millennials/ I thought it would take the stance that Millennials ...
by Savvy
Tue Feb 10, 2015 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Is "Financial Independence" the new "Retirement?"
Replies: 52
Views: 6718

Re: Home Buying the Boglehead Way (1st Time Buyer)

We just bought a house in April of 2014. We followed the article below very closely and it has been incredibly helpful:

http://www.mrmoneymustache.com/2013/09/ ... y-a-house/

Good luck!
Savvy
by Savvy
Thu Feb 05, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5075

Re: Do you respond to recruiters contacting you?

In my field, not because of my talent, I get at least 10 emails & calls per week for other job opportunities. I now always ignore them.

Recruiters get a huge bonus if they move me to another company, they usually don't care if it's a good fit.
by Savvy
Sat Jan 31, 2015 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you respond to recruiters contacting you?
Replies: 27
Views: 2050

Re: Why would I want to contribute to Trad. IRA over Roth?

TIAX wrote:What's your state income tax rate?


7.05%
by Savvy
Sat Jan 31, 2015 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why would I want to contribute to Trad. IRA over Roth?
Replies: 6
Views: 548

Re: Why would I want to contribute to Trad. IRA over Roth?

Thanks Sev - very helpful. Sounds like we should keep it simple and continue with Roth.

bogleblitz - I have actually not seen that specific wiki page before, so thank you! That pretty much sums up what I was looking for!
by Savvy
Sat Jan 31, 2015 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Why would I want to contribute to Trad. IRA over Roth?
Replies: 6
Views: 548

Why would I want to contribute to Trad. IRA over Roth?

Hey BHs, Somewhere in this story I am surely making errors in assumptions but I don't know where! Please correct anything below that seems wrong. Trying to simplify our story: --Adjusted Gross Income of $96K --Taxable Income of $74K --DW and I both have retirement plans at our workplaces --We haven'...
by Savvy
Sat Jan 31, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Why would I want to contribute to Trad. IRA over Roth?
Replies: 6
Views: 548

Re: What age did you move out?

I married my DW at age 22 just 9 months post-college for us both. (We're now 25).

Had I not gotten married, I would probably still be living with my parents to save money.
by Savvy
Wed Jan 28, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5085

Re: Half off TurboTax thru Monday

I'm more lurky than posty, but since I haven't seen this posted anywhere yet, here goes. At the risk of being a shill for Intuit, it looks like all versions of 2014 TurboTax can be had for 50% off for the next few days. If this can be combined with their recent $25 rebate (not sure about that), tha...
by Savvy
Sat Jan 24, 2015 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4392

Re: HSA... any receipt savers?

We save receipts. Have never withdrawn from our HSA. Good idea from tludwig23.

How do you get reimbursed? I remember our employer mentioning this a couple of years ago but I never learned how to get reimbursed.
by Savvy
Wed Jan 21, 2015 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 203
Views: 9965

Re: Should I ask for a raise? If so, how?

My two cents: --If you are underpaid, mgmt already knows that so no need to compare to others. --Are you delivering more value than you are being compensated? If so, go talk to your manager and explain why you are worth more. The strength of your argument also depends on whether or not you are willi...
by Savvy
Wed Jan 21, 2015 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a raise? If so, how?
Replies: 11
Views: 1118

Re: Honda Civic vs Fit Safety Question

tennisplyr wrote:Have owned Civics for a few years and love them. They are roomy enough (I'm 6') and I feel safe in it. On a recent long trip I got around 40 mph and it's not a hybrid. Don't have personal experience with a Fit.


That's not very fast... :D
by Savvy
Tue Jan 20, 2015 10:04 am
 
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3401

Re: Newly Married: budgets, loans, and investments oh my!

Congrats!!
We're also 25 and married.

The best advice I have is that investing in your marriage will provide a better return than anything else. Fight for it and invest in it every day.

Savvy
by Savvy
Tue Jan 20, 2015 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married: budgets, loans, and investments oh my!
Replies: 9
Views: 1000

Re: Should I cancel my mortgage re-fi loan mid-way?

@walletless If you go with 3.5% and if you let $450 forgo, you will be break even in almost a year. It seems to be worth it if you are going to stay there for 8-10 years. I would suggest you pull the plug from the first lender and inform him to stop your application, he might re-lock you at 3.5% at...
by Savvy
Thu Jan 15, 2015 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my mortgage re-fi loan mid-way?
Replies: 9
Views: 484

Re: Amex Fidelity CC 2% Cash Back

Every time my Fidelity Amex hits $50 in rewards, it automatically gets sent to my "brokerage" account at Fidelity (which stays empty). Once that transfer occurs, I simply transfer that amount to my bank. Very easy. Are we talking about the same card? I don't think I have to wait for $50 t...
by Savvy
Thu Jan 15, 2015 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 10840

Re: Another refinance question

Middle of last year, I closed on a 260K mortgage at 4.25%. I paid $1300 to get this interest rate since I thought hey, I'm buying this for the long term and interest rates have nowhere to go but up, right? Fast forwrd a few months and interest rates have gone lower. My mortgage broker is offering m...
by Savvy
Wed Jan 14, 2015 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Another refinance question
Replies: 6
Views: 608

Re: Amex Fidelity CC 2% Cash Back

Keep in mind that there is also the Quicksilver Visa (from Cap One I think), at 1.5%. A bit less than 2.0% of course, but not bad, and a Visa rather than an Amex. The reward can be applied as a statement/balance credit - pretty easy to do. (i.e. You go online, click a few things, then your $50 or w...
by Savvy
Wed Jan 14, 2015 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 10840

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

Update: We have locked in a 3.875% rate (30 year fixed) at Amerisave getting a $77 credit for this rate while owing about $1,500 in fees (appraisal, title, etc.). Our loan originator seems like he'll be great. I'll be sure to provide additional updates as I complete the application and finish the lo...
by Savvy
Tue Jan 13, 2015 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1203

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

Check out Amerisave.com. I ran the numbers on their site and you can get 3.75% on a 30 year fixed with a monthly payment of $676.15 on a $146,000 mortgage. Their closing costs are only $1,512.78, so your break even is only 14 months. I used them to refinance in May of 2013. My only gripe was that t...
by Savvy
Wed Jan 07, 2015 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1203

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

I don't think it will really payout unless you shorten the term. We did and it did. We did catch the rates really low but we don't have to worry about interest rates now since our house was paid off 14 years early. Thanks! Good advice - we may use the saved monthly payment amount to pay extra to pr...
by Savvy
Wed Jan 07, 2015 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1203

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

4strings wrote:this morning, I refinanced a 30 year from 4.25% to 3.625%...absolutely worth it.


This is good encouragement...thanks!
by Savvy
Wed Jan 07, 2015 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1203

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

A $150,000 mortgage at 4.75% over 30 years should have a payment of $782.47. Total interest over the life of the loan will be $131,690, $7075 of which was paid in year one. That means from "now" until payoff, you'll pay another $124,615 in interest. If you refinance at 3.75% (which I beli...
by Savvy
Wed Jan 07, 2015 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1203

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

Why so high rate? Was it zero cost? What costs are you trying to "payback"? Consider a zero cost 15 year or even a 5/1 or 5/5 to lower interest rate if you can accelerate payments. http://economistsoutlook.blogs.realtor.org/2013/08/05/reflecting-on-the-30-year-fixed-rate-mortgage/ https:/...
by Savvy
Wed Jan 07, 2015 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1203

Re: Can we afford to buy a home?

Realistically we would like to start to seriously consider buying a home at the end of this year/early 2016. This is how our financial breakdown potentially will look like after adjusting tax deductions due to filing jointly + pay increases. Income: $75k-82k (she works on commision) Debts: 2.34% au...
by Savvy
Wed Jan 07, 2015 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a home?
Replies: 41
Views: 3338

Refinance 4.75% 30-YR Mortgage? $150K Loan

Hello all! My wife and I purchased a home in early 2014 with 20% down. We have a 30-YR fixed mortgage at 4.75% with about $146K remaining on the loan. We plan to stay in the house at least 10 years. Our credit scores are around 740 - 745. We have the cash available to pay for refinance costs (if it ...
by Savvy
Wed Jan 07, 2015 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1203

Re: Bogleheads 2015 Hedge Fund Contest

Name: What the Hedge?

Long:
Google GOOGL
Abercrombie and Fitch ANF
Bank of America BAC

Short:
Best Buy BBY
Amazon AMZN
Hewlett-Packard HPQ
by Savvy
Thu Jan 01, 2015 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 126
Views: 11333

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

1875.01
by Savvy
Thu Jan 01, 2015 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19922

Re: Mortgage Question

going from 30 year fixed to 30 year fixed. Current rate is i believe 4.15% Penfed is offering 3.625 at 0 points and 3.375 at 1.5 points. Plus 1% origination fee and no credit for closing cost. Not the best rate+fees IMO. https://penfed.org/30-Year-Fixed-Mortgage/ I am very interested in the discuss...
by Savvy
Tue Dec 30, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Question
Replies: 10
Views: 1027

Re: Faking your way through sports small talk

Average sports fan here. I only follow one sport and only follow one team within that sport. I would recommend reading the sole "Sports" page on the WSJ. Offers great conversation pieces and interesting tidbits. For example, the main piece a couple weeks ago was about how Andrew Luck (a qu...
by Savvy
Mon Dec 29, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Faking your way through sports small talk
Replies: 34
Views: 1884

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

Just wanted to follow-up: I had a FANTASTIC experience visiting the island with a personal tour from our Boglehead Raybo. If you are ever going to visit Alcatraz, I would very strongly recommend contacting Raybo in advance so see if he can personally show you around Alcatraz. Feel free to let me kno...
by Savvy
Sun Dec 28, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 12
Views: 961

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

I am a docent at Alcatraz. Alcatraz Cruises has a monopoly on ferries landing on the island. Either you go with them or you just go around the island. I will send you a PM to see what you needs are and if I can get you tickets onto the island beyond what is allowed by the boat company. Wow, fantast...
by Savvy
Thu Dec 18, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 12
Views: 961

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

I am a docent at Alcatraz. Alcatraz Cruises has a monopoly on ferries landing on the island. Either you go with them or you just go around the island. I will send you a PM to see what you needs are and if I can get you tickets onto the island beyond what is allowed by the boat company. Wow, fantast...
by Savvy
Thu Dec 18, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 12
Views: 961

Re: Having my year end review with my manager, what to expec

So.. the review went well.. my manager had alot of good positive things to say.. our company did well this year, really well and they made me believe that we would get a big bonus and raise... but after the end of the review I was told I get a 1% raise and a 4% bonus... so the raise pretax is 610$ ...
by Savvy
Thu Dec 18, 2014 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Having my year end review with my manager, what to expect?
Replies: 30
Views: 2901

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

I made a similar mistake on my last trip that way. A lot of the "tour guide" places get an allotment of tickets to Alcatraz but must be bundled with something like a bus ticket. I felt kind of robbed initially, I paid ~$80-100 a ticket for Alcatraz and the bus tour. The bus tour actually ...
by Savvy
Thu Dec 18, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 12
Views: 961

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

Where are you staying? Many hotel concierges can fetch tickets for you with a service if they know in advance. I'd ask the hotel concierge about how to do this. I've been on that tour, it's a good one. We're staying at a run-of-the-mill Hampton Inn. I just called the hotel...they don't have any tic...
by Savvy
Thu Dec 18, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 12
Views: 961

Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?

Hello BHs! My wife and I have never been to San Fran. We're going to be there for about 48 hours this weekend...and we neglected to book Alcatraz tickets in advance. It's sold out on the phone and on the official website. We really want to go. Some sites say that up to 100 tickets are sold the day-o...
by Savvy
Thu Dec 18, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 12
Views: 961

Re: How do you figure out the best location to buy a house?

This is the template we used to buy our house (which includes discussion on location):

http://www.mrmoneymustache.com/2013/09/ ... y-a-house/
by Savvy
Mon Dec 15, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: How do you figure out the best location to buy a house?
Replies: 40
Views: 3270

Re: Leaving my job. Moving to Shanghai. Help with finances!

6. Working Abroad: Any advice as to finding a job abroad, specifically in Shanghai? Moving my position there/taking a sabbatical are not options for me. I'm planning to travel for a bit, but then would begin looking for work opportunities, whether it be a business professional position like I have ...
by Savvy
Wed Dec 10, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving my job. Moving to Shanghai. Help with finances!
Replies: 24
Views: 3147

Re: Book suggestion for buying primary home

This was our template we followed when buying our house 6 months ago: http://www.mrmoneymustache.com/2013/09/04/how-and-how-not-to-buy-a-house/ You need to list out ALL of your needs, ALL of your wants, ALL of your "would be nice". After you've seen the house, you can look at your three li...
by Savvy
Wed Dec 10, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Book suggestion for buying primary home
Replies: 13
Views: 908

Re: Disability INS for homemaker?

Wow, awesome timing on this question. I don't have any answers but am in an identical situation to you. Looking forward to hearing some answers. Our term life insurance person suggested some type of disability coverage specifically for stay-at-home spouses for a small amount of coverage (like $750/m...
by Savvy
Mon Dec 08, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability INS for homemaker?
Replies: 8
Views: 568

Re: High(ish) earner; spending too much?

Hello. Obviously too much is a subjective question of course, but thought I'd run it by the crowd. One reason I feel "guilty" about spending is because my coworkers are extremely frugal, and next to them I look comparatively prodigal.* Though I suppose if I'm looking to rationalize discre...
by Savvy
Sun Dec 07, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 71
Views: 9263

Re: Getting Married...Any advice?

Congratulations! Focus the planning on your marriage, not on your wedding. State the obvious. (It may not be obvious to the other person) Always assume the best in your spouse. (They are not your enemy but your teammate) Extend grace when the other makes a mistake. Practice affirmation daily. (Affir...
by Savvy
Wed Dec 03, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting Married...Any advice?
Replies: 25
Views: 2606

Re: How should wife counter salary offer within current co.?

There is no "wiggle room" ...... until there is. Our company has a policy that internal raises cannot be above x%....so every time, managers can say "Sorry, it's policy." However, that's only true up to a point - eventually the higher-ups can approve a higher raise. I am going to...
by Savvy
Fri Nov 21, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5847

Re: How much is saved by taking mass transit to work?

We have saved so much! We have been married almost 3 years and have always had just one car. We have specifically rented (and now own a house) in locations that allow us both to get to work with just one car. Public transit costs me $40/month unlimited (subsidized through my company). It actually SA...
by Savvy
Wed Nov 19, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 5146

Re: I have seen the enemy and it is me. Reluctance to inves

Grateful, Don't underestimate the pernicious nature of inflation. It steadily eats away at your portfolio - you don't notice it, but it has serious long term implications. You are conservatively invested to reduce stock market volatility, but your portfolio is risky in terms of exposure to inflatio...
by Savvy
Thu Nov 06, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have seen the enemy and it is me. Reluctance to invest
Replies: 29
Views: 3453

Re: Minnesota mtg | sat Nov-1 | 10:00am | agenda attached

Looking forward to attending my first event and meeting some folks in the BH community!
by Savvy
Wed Oct 29, 2014 1:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Minnesota mtg | sat Nov-1 | 10:00am | agenda attached
Replies: 7
Views: 1177

Re: Making an offer today

My advice: Be patient. I don't think this is the place for you. You would know if it was. Don't settle. FWIW: We are first-time home buyers. We closed in April. We made an offer on a house in February that ultimately fell through. At the time, I couldn't imagine NOT getting that house...it was perfe...
by Savvy
Thu Oct 23, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer today
Replies: 44
Views: 4973

Re: How to Minimize Taxes: Family Selling Farm (Estate Plann

Thank you also to jared, harmony, and smackboy1. I really appreciate the feedback. I do not fully grasp the concepts you bring up but will definitely pass this along to my family members that are working with the CPA. There may be a delay for a couple days as this information is passed back-and-fort...
by Savvy
Tue Aug 12, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Taxes: Family Selling Farm (Estate Planning)
Replies: 21
Views: 1760
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