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Re: How fast to contribute 403b

Steady wrote:they said they did this so after it was maxxed they were done contributing and that made their take home pay more.


Technically it does but it also puts constraints on your cashflow for current operating expenses like food. Save for the future but don't kill the present.
by Snow Boarder
Sun Apr 13, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How fast to contribute 403b
Replies: 4
Views: 267

Re: young doctor, taking over my own investments...

jimkinny wrote:You might be interested in the linked site. The White coat Investor is a doc who goes by emergdoc (or close) on this site and started his own blog and recently has had a book published.

http://whitecoatinvestor.com/



+1
by Snow Boarder
Sun Apr 13, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young doctor, taking over my own investments...
Replies: 24
Views: 2590

Re: How fast to contribute 403b

How stable is your job? If you risk losing the 403b pack it fast. Other wise slow and steady is just fine.
by Snow Boarder
Sun Apr 13, 2014 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How fast to contribute 403b
Replies: 4
Views: 267

Re: Buying a House without a Real Estate Agent

I bought my 1st house in 1999 FSBO. I knew very little about how real estate agent fees worked and thought I was doing the right thing and would prevail financially. I just bought my 2nd home 6 months ago and I used a realtor. When buying I would use a realtor. In SC, the seller pays both the buyers...
by Snow Boarder
Sat Aug 03, 2013 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Buying a House without a Real Estate Agent
Replies: 29
Views: 2311

Re: High Income Earner in Need of a Financial Plan!!!!!

Hello Flip Flop Living. Thank you for your response. Hello Snowboarder: Good luck helping your friend. All of us have friends that we would like to to help out a bit... Which is precisely why I wanted to have independent BH opinions rather then just express my own, which could be potentially looked ...
by Snow Boarder
Sat Jun 22, 2013 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Income Earner in Need of a Financial Plan!!!!!
Replies: 12
Views: 1869

Re: High Income Earner in Need of a Financial Plan!!!!!

I will make this the summary post and then edit it as new suggestions come in. Rainyday1. Make getting Term Life insurance a priority. Generous Life/Disability policy due to monthly expenses of $20k. Have ample emergency fund. Set up guardians for the children. 3 Fund Portfolio with Total Bond in t...
by Snow Boarder
Sat Jun 22, 2013 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Income Earner in Need of a Financial Plan!!!!!
Replies: 12
Views: 1869

Re: High Income Earner in Need of a Financial Plan!!!!!

Hi Rainyday1. Thank you for your response. I think you're saying he has no estate planning, no insurance, no college plans etc? That is what I wanted people to assume. Although he does have some insurance / estate planning etc it does not work well together. We can allow him to undo his current plan...
by Snow Boarder
Sat Jun 22, 2013 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Income Earner in Need of a Financial Plan!!!!!
Replies: 12
Views: 1869

Re: High Income Earner in Need of a Financial Plan!!!!!

Letsgobobby, I edited the post for all but my friend's pants size. Did not feel comfortable asking that question. lol
by Snow Boarder
Fri Jun 21, 2013 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Income Earner in Need of a Financial Plan!!!!!
Replies: 12
Views: 1869

High Income Earner in Need of a Financial Plan!!!!!

I was asked by my close friend for some ideas on additional tax advantaged vehicles that are out there for a small business owner. This led to full blown bogleheads type conversation. I told my friend of all the diversity on BH.org and that they would get non-biased opinions from financially minded ...
by Snow Boarder
Fri Jun 21, 2013 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Income Earner in Need of a Financial Plan!!!!!
Replies: 12
Views: 1869

Re: Greenville, SC Bogleheads - Whose Interested?

Mel, thanks for the kind words. A special thanks goes out to Michelle, Brian, Warren and Jack for continuing DMBH (Detroit Metro Bogleheads) without me. They divided the coordinator role into 4 portions so it is not dependant on just one person. Detroit does have a strong chapter and it will continu...
by Snow Boarder
Tue Jun 11, 2013 5:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Greenville, SC Bogleheads - Who's Interested?
Replies: 12
Views: 1586

Greenville, SC Bogleheads - Who's Interested?

Bogleheads, My name is Colum and recently (8 days ago) I moved to Greenville, SC. I am looking to start up a Greenville Metro Bogleheads chapter for those living in the Upstate SC area. I am trying to get a feel for the level of interest as it stands today. It doesn't matter if you're a diehard or a...
by Snow Boarder
Sun Jun 09, 2013 2:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Greenville, SC Bogleheads - Who's Interested?
Replies: 12
Views: 1586

Re: Recently married and need 401K Advice

Lets bumb Skip up to the top of the list. Welcome to the forum.
by Snow Boarder
Thu Jun 06, 2013 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently married and need 401K Advice
Replies: 19
Views: 1763

Re: I [messed] up - Now what? ($200k in student loan debt, e

Don't know much about it my self but worth looking into. The government has a program caled 'pay as you earn'.

http://finance.yahoo.com/blogs/the-exch ... 41665.html
by Snow Boarder
Fri May 17, 2013 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: I [messed] up - Now what? ($200k in student loan debt, etc.)
Replies: 117
Views: 9572

Re: 24 yr old son helping mother with Investments

I am by no means an expert when it comes to annuities. They sure do come with a lot of fees though.
Your post was lost at the bottom so I thought I would bump you to the top to get some expert advice from the forum. 8-)
by Snow Boarder
Mon May 13, 2013 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 yr old son helping mother with Investments
Replies: 8
Views: 671

Re: Fidelity has the best customer service I know of

I don't know what's in their secrete sauce, but I can't say enough good about Fido in meeting my needs. I am a boglehead and I use Fidelity. (Sounds like I am at an AA meeting). They have exceeded all my expectations. I have enough there to be assigned a representative to act as a sounding board. I...
by Snow Boarder
Mon May 13, 2013 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity has the best customer service I know of
Replies: 57
Views: 3512

Re: Trying to Help My Dad (Mortgage Payoff?)

I would look at refinancing before considering payoff. A no-cost refi will make it irrelevant whether he keeps the property or not. Brian Thanks Brian. Sounds like it's a no cash refinance essentially? If you have a good resource link, please send. I googled "no cost refi" and saw article...
by Snow Boarder
Sun May 12, 2013 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Trying to Help My Dad (Mortgage Payoff?)
Replies: 9
Views: 832

Re: Savannah, Ga trip

Mrs Wilkes. A family style resturant. The locales will know it.
by Snow Boarder
Wed May 08, 2013 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Savannah, Ga trip
Replies: 11
Views: 667

Re: Refinance small condo loan?

It is tough to find places to refi small principal loans. The minimum Amerisave.com will refi is $50,000. But I came up with a creative solution for you. If you do a cash out refi for $50,000 (taking out 5k in equity) you can get this 15 yr loan: $50,000 for 15 year @ 3.375% with APR 3.957% and ~$1,...
by Snow Boarder
Wed May 08, 2013 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance small condo loan?
Replies: 6
Views: 536

Re: early-career investing with two different time horizons?

Hello allna! Welcome to the forum. I bumped your post to the top. There are plenty of smart people here with opinions for you.
by Snow Boarder
Wed May 08, 2013 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: early-career investing with two different time horizons?
Replies: 10
Views: 594

Re: Refi or Not??

I would refi and would not look back. BUT BUT BUT BUT (was that a big enough caveat 8-) ). Don't just limit yourself to penfed. People here seem to have this love affair with penfed but they charge a 1% origination fee which is $4,000 for you. That would be a deal killer for me when there are better...
by Snow Boarder
Wed May 08, 2013 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi or Not??
Replies: 9
Views: 461

Re: How Much Did You Spend on Your Engagement Ring??

If you are tight on cash, $2,000 will get you some thing very nice. Don't fall for some cookie cut 2 months salary or particular minimum carrot size etc. 1/3 of anyones annual salary is insane... I spent $3,800 on my wifes and think I spent way to much. I got caught up in the 5C's hype (cut, clarity...
by Snow Boarder
Tue May 07, 2013 1:52 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 19058

Re: Home Exterior Painting (Aluminum Siding)

For such a small bungalow I would get it resided, your choice of materials, vinyl We just did it and have NO regrets at all. I spent 2-3 times as much on mechanical improvements (furnace etc) No one has complemented me on how even the heat is throughout my home but every neighbor cas commented at h...
by Snow Boarder
Tue May 07, 2013 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Home Exterior Painting (Aluminum Siding)
Replies: 10
Views: 701

Re: Interstate Moving Company - Experiences

As someone who has moved 24 times, please take my advice on this: It is almost never, ever, worth moving furniture if you are going more than 500 miles. You can get to the destination and typically buy *brand new* furniture cheaper than it cost to pack, move, and unpack the old stuff (which also ma...
by Snow Boarder
Fri May 03, 2013 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Interstate Moving Company - Experiences
Replies: 29
Views: 1456

Re: Interstate Moving Company - Experiences

As someone who has moved 24 times, please take my advice on this: It is almost never, ever, worth moving furniture if you are going more than 500 miles. You can get to the destination and typically buy *brand new* furniture cheaper than it cost to pack, move, and unpack the old stuff (which also ma...
by Snow Boarder
Fri May 03, 2013 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Interstate Moving Company - Experiences
Replies: 29
Views: 1456

Re: Interstate Moving Company - Experiences

From my experience, shopping around was worth it. I agree. Funny how paying thousands of dollars out-of-pocket nudges you to do your due dilligence. I went to https://www.protectyourmove.gov and learned alot. :happy I am: -Trying to get references from people who used them. Hence this post. :happy ...
by Snow Boarder
Fri May 03, 2013 11:38 am
 
Forum: Personal Consumer Issues
Topic: Interstate Moving Company - Experiences
Replies: 29
Views: 1456

Re: Interstate Moving Company - Experiences

We decided to use a direct-mover and not a broker. The 3 we are looking at are
a) Two Men and a Truck.
b) Men on the Move.
c) EZ Moving and Storage.

If you have experience with any of these three I would love to hear about it. :happy
by Snow Boarder
Thu May 02, 2013 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Interstate Moving Company - Experiences
Replies: 29
Views: 1456

Re: Managed Acct + Fidelity Porfolios

Hi Soylentgreen,
Try posting in this format. viewtopic.php?f=1&t=6212
I think you will get more responses.
Snow Boarder
by Snow Boarder
Thu May 02, 2013 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Managed Acct + Fidelity Porfolios
Replies: 18
Views: 1291

Re: Interstate Moving Company - Experiences

Victoria, The trucks have been: 16 foot, 22 foot and 26 foot for various moves. The first time was a 22 foot--you should have seen me!...especially going thru the Chesapeake Bay Bridge toll booth!....and then going to Florida in 26 foot through the Chesapeake Bay Bridge Tunnel....BUT, I succeeded!!...
by Snow Boarder
Thu May 02, 2013 10:51 pm
 
Forum: Personal Consumer Issues
Topic: Interstate Moving Company - Experiences
Replies: 29
Views: 1456

Re: Interstate Moving Company - Experiences

gkaplan wrote:I think the last choice should be inter-state, not intra-state.

Thanks gkaplan. I edited the original post.
by Snow Boarder
Thu May 02, 2013 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Interstate Moving Company - Experiences
Replies: 29
Views: 1456

Interstate Moving Company - Experiences

My wife and I are going to be moving from Michigan to South Carolina this summer. We are trying to decide who we should have move our possessions. This is not a corporate backed move so we are picking up the tab for the moving costs. I have found out that there are movers and brokers and am trying t...
by Snow Boarder
Thu May 02, 2013 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Interstate Moving Company - Experiences
Replies: 29
Views: 1456

Re: Admiral @ Fidelity?

I use fidelity too. I had looked into this same topic way back when. The fidelity customer service group said that I needed to rephrase the question from "why doesn't fidelity offer the admiral shares on their website?" to "Why is it that Vanguard doesn't allow fidelity to sell admira...
by Snow Boarder
Thu May 02, 2013 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: Admiral @ Fidelity?
Replies: 11
Views: 1345

Re: Can You Ace FINRA's Financial Literacy Quiz?

14 out of 15. I guessed common for preferred stock/common stock repayment question. I used to know the individual stock type questions but since I became a 100% indexer I lost my edge in that game. I think it was a good trade-off. :happy
by Snow Boarder
Fri Apr 26, 2013 10:53 am
 
Forum: Investing - Theory, News & General
Topic: Can You Ace FINRA's Financial Literacy Quiz?
Replies: 111
Views: 6053

Detroit Bogleheads Meeting June 1st 2013

Hello Bogleheads, 17 bogleheads made it to the April 20th meeting. It may have been our best yet as we tweak the format a little bit each month to make it a better experience for you. There was one topic and plenty of time available for Q&A/comments while Keith led us through the discussion on I...
by Snow Boarder
Wed Apr 24, 2013 12:04 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Bogleheads Meeting June 1st 2013
Replies: 0
Views: 512

Re: Cash Out Re-finance put in VBTLX or Put Back to Principa

I fail to see how recasting is that helpful as I'm not really looking to lower my payments my idea if I choose that route would be to pay off the loan quicker (ie. make a large principal payment to reduce # of years to payoff)?? It will be the same interest rate and you can pay extra principle to r...
by Snow Boarder
Fri Feb 08, 2013 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash Out Re-finance put in VBTLX or Put Back to Principal??
Replies: 6
Views: 483

Re: If you don't owe any income tax, are you supposed to fil

CMartel2 wrote:Just based on the number of times I've been asked for a previous year's tax returns, I think it makes sense to go ahead and file even if your income level doesn't require you to file.

+1 I definately agree that filing is in your best future interest.
by Snow Boarder
Fri Feb 08, 2013 11:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't owe any income tax, are you supposed to file?
Replies: 10
Views: 1149

Re: Cash Out Re-finance put in VBTLX or Put Back to Principa

I got some cash out as I thought I needed it to help our mother-in-law move turns out may not be needed. So at closing they gave me $132,000 If you decide to put the money back into the principle call the lender before you do it. Tell them you want to "recast" the loan based on an unsched...
by Snow Boarder
Fri Feb 08, 2013 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash Out Re-finance put in VBTLX or Put Back to Principal??
Replies: 6
Views: 483

Re: Home refinance / GFE questions

The actual loan amount increased. The fees/etc remain the same.. The lender provided a Changed Circumstance Details form indicated that "Loan-to-value increased due to a lower appraised value". This form also required my signature. My Loan-to-value is 62.5%.. I don't think it's low? I wou...
by Snow Boarder
Fri Feb 08, 2013 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home refinance / GFE questions
Replies: 16
Views: 622

Re: Home refinance / GFE questions

Today, I received another call/email from this lender that I need to sign another GFE. The loan amount has increased $4000. Did you ask him what the increase of $4k was from? What was the new loan balance & closing costs on the 1st GFE? What was the new loan balance & closing costs on the 2...
by Snow Boarder
Fri Feb 08, 2013 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home refinance / GFE questions
Replies: 16
Views: 622

Re: The Cost of Physical Therapy

I want them to show me the best exercises for me and make sure that I do them correctly. Once that is done, should be no more than 3 to 4 visits, you should be on your own to do exercises at home. However, most therapists see us as an annuity, continued visits and payments. I too have had alot of P...
by Snow Boarder
Thu Feb 07, 2013 1:06 pm
 
Forum: Personal Consumer Issues
Topic: The Cost of Physical Therapy
Replies: 17
Views: 1327

Re: What to do? Never had money to worry about before.

First and foremost, I am sorry for your loss but I am glad you found this site. There is alot of knowledge here. Mostly you will get good advice and a little bit of well-intentioned advice that is a little off-the-mark for your personal situation. Manythings here are laced with the commentors opinio...
by Snow Boarder
Thu Feb 07, 2013 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Never had money to worry about before.
Replies: 15
Views: 2645

Need Help with POA Document

Does anyone know of an inexpensive way to draft a Limited power of attorney document. There is a house closing that is out of state that we can not attend. Want to give LPOA (for this event only) to a family member so they can sign the papers for us. Are legalzoom.com or nolo.com etc. a good option....
by Snow Boarder
Wed Feb 06, 2013 1:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! How to Assign a VERY Limited POA
Replies: 10
Views: 544

Help! How to Assign a VERY Limited POA

[Duplicate thread, merged with below --admin LadyGeek] Hi Bogleheads, A close friend of mine needs to create a Limited Power of Attorney (LPOA) document. It will be for 1 event; sign the papers for the closing on a house that they can not attend. She (my friend) will have read an advanced copy of t...
by Snow Boarder
Tue Feb 05, 2013 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! How to Assign a VERY Limited POA
Replies: 10
Views: 544

Re: How much in Emergency Fund if carrying a lot of debt?

One thing to keep in mind is that a credit card with a balance, has no grace period. Every new purchase gets charged interest from day one. Accordingly, you should not use that credit card for new purchases. Either pay cash, or use another card. Jeff +1 They can really get you if you are not carefu...
by Snow Boarder
Tue Feb 05, 2013 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much in Emergency Fund if carrying a lot of debt?
Replies: 18
Views: 1506

Re: do you charge everything to 1 credit card?

archbish99 wrote:
Snow Boarder wrote:I have to credit cards.


No one has to. They choose to. :wink:



Sorry for the typo. I choose to have 2 cards.
by Snow Boarder
Tue Feb 05, 2013 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you charge everything to 1 credit card?
Replies: 60
Views: 3640

Re: How Will Retirement Affect Our FICO score?

I am not retired yet so I don't have any real world experience with the topic.

But it seems to me like there is dissension in the ranks of the retirees on this one.
by Snow Boarder
Tue Feb 05, 2013 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Will Retirement Affect Our FICO score?
Replies: 34
Views: 1880

Re: do you charge everything to 1 credit card?

I have to credit cards. One for everyday spending which every thing goes onto with a self directed $4k limit. I have had this card since 89 and the last time they up'd the credit limit without me asking for it I told them to leave the limit at $4k please. Yeah I have to pay on it mid cycle here and ...
by Snow Boarder
Tue Feb 05, 2013 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you charge everything to 1 credit card?
Replies: 60
Views: 3640

Re: transmission failure: 2003 honda odysee with 172k miles

spent 2600 dollars to fix car, runs good for now. bought it just over 30K 10 years ago, so assuming scrap value to sell it at. works out to 3K per year for 10 years. so 2600K for just one year, plus lower carry costs of insurance and car tax, I think its worth it, 2 more years definitely worth it, ...
by Snow Boarder
Tue Feb 05, 2013 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: transmission failure: 2003 honda odysee with 172k miles
Replies: 36
Views: 2932

Re: Do you pay your taxes/insurance separate from your mortg

By the time I get it done, it won't even benefit me on the tax side (bunching), but I still like having the control of it, to get rid of the buffer, and earn a little interest on the side. I like the control too. It gives me a little extra cushion for unexpected spending hiccups. Stuff that needs n...
by Snow Boarder
Wed Jan 30, 2013 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you pay your taxes/insurance separate from your mortgage?
Replies: 42
Views: 2647

Do you pay your taxes/insurance separate from your mortgage?

I normally pay my own taxes and insurance and it was a free option.

This refinancer wants to add .125 to the interest rate. :annoyed Is it worth paying $10/month for a $120/month increase in cash flow.
Basically a $1,600 "personal escrow" account.
by Snow Boarder
Wed Jan 30, 2013 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you pay your taxes/insurance separate from your mortgage?
Replies: 42
Views: 2647

Re: When to Lock the Rate on a 30 Year Fixed Mortgage

We're in the midst of refinancing, so I had to make the lock/float decision about 3 weeks ago. 1) Assuming you have run the numbers and are comfortable with the costs and current rates, I would lock. 2) If floating the rate is keeping you up at night, I would say the risk you're taking is too high....
by Snow Boarder
Wed Jan 30, 2013 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to Lock the Rate on a 30 Year Fixed Mortgage
Replies: 9
Views: 1183
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