Search found 2605 matches

by Triple digit golfer
Sun Aug 30, 2015 1:39 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 45
Views: 4170

Re: I need a classic men's black dress belt

I went with a belt from Orion Leather Company. Found a $10 off promo code. Got it for $38 and change with shipping. I love it. The belt is extremely thick, but it's durable and doesn't crease. It's heavier than I'm used to but I can tell it's going to hold up well. I've worn it four days so far. htt...
by Triple digit golfer
Wed Aug 19, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: Accept job offer or no?
Replies: 24
Views: 3220

Re: Accept job offer or no?

They were not open to negotiation - $125k was the highest they were willing to go. I was not thrilled with the job functions anyway. I am putting forth a modest level of effort in my search, with the understanding that I am not willing to jump ship unless it's the right opportunity and a great oppor...
by Triple digit golfer
Tue Aug 18, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: Accept job offer or no?
Replies: 24
Views: 3220

Re: Accept job offer or no?

Update: I did not accept the offer. I'm happy with my decision. The bottom line is that while my current position has its issues, the facts are: 1. I make more here than most comparable jobs are offering, and probably for less work. 2. I work 45 hours a week, no more. 3. I am not feeling anxiety, lo...
by Triple digit golfer
Fri Aug 14, 2015 8:58 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 45
Views: 4170

Re: I need a classic men's black dress belt

Wow, thanks everybody! I will check out some of the recommendations made in here. Bogleheads never let me down!
by Triple digit golfer
Fri Aug 14, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 45
Views: 4170

I need a classic men's black dress belt

I go through a belt every 3-6 months. I'm tired of them peeling and getting permanent folds from being so inflexible when I go to buckle it I want a very flexible, high quality belt that won't show permanent folds just from normal use. Any recommendations? This will be my every day work belt and als...
by Triple digit golfer
Tue Aug 11, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Accept job offer or no?
Replies: 24
Views: 3220

Re: Accept job offer or no?

Suppose they are willing to go up to $140k. Would it make sense then or no? It'd be $8k more than I make now. I like the idea of a growing company, getting in fairly early, and potentially building a staff later on. But it could also go the other way and I end up being a workhorse 60 hours a week do...
by Triple digit golfer
Tue Aug 11, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: Accept job offer or no?
Replies: 24
Views: 3220

Re: Accept job offer or no?

I've considered working in a larger company. I'm open to any size company. I am working with a couple recruiters. The job I received an offer for did not go through a recruiter. Regarding my non-PC statement, that's just between us. I am very careful what I do and say around the office. I've been he...
by Triple digit golfer
Tue Aug 11, 2015 7:38 am
Forum: Personal Consumer Issues
Topic: Accept job offer or no?
Replies: 24
Views: 3220

Re: Accept job offer or no?

And why do you care if his job comes in over budget? Throwing people under the bus is certainly a concern. Because I'm the Controller and it's my responsibility to "get the money from the bank." I spend a lot of time explaining overages to the bank. The bank is not happy with us because w...
by Triple digit golfer
Tue Aug 11, 2015 7:27 am
Forum: Personal Consumer Issues
Topic: Accept job offer or no?
Replies: 24
Views: 3220

Re: Accept job offer or no?

Never take pay cuts unless you're miserable. You don't sound like you are. It also sounds like a demotion in that you won't have a staff. Perhaps the new company would at least match your salary + bonus? I am not miserable, more or less just tired of the same old crap here for so long. Meddling wom...
by Triple digit golfer
Tue Aug 11, 2015 7:13 am
Forum: Personal Consumer Issues
Topic: Accept job offer or no?
Replies: 24
Views: 3220

Accept job offer or no?

I currently work as a Controller of a $60 million (and shrinking down to $40 million in the next two years) company. I make $120k + 10% bonus. Total pay $132,000. Full benefits including 4% 401(k) match. I oversee a department of eight people. I've worked here since I graduated college eight years a...
by Triple digit golfer
Fri Jul 31, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Opening a franchise
Replies: 27
Views: 2889

Opening a franchise

Hi everybody. I'm a 30 year-old controller making $120,000 per year. The problem is, I'm tired of working for somebody else. I've been thinking for a while how I would love to go into business for myself. Be my own boss. Everything I do, even if long hours and stressful, which I'm fully prepared for...
by Triple digit golfer
Fri May 01, 2015 7:24 am
Forum: Personal Consumer Issues
Topic: Want to plan a San Diego vacation
Replies: 19
Views: 1392

Re: Want to plan a San Diego vacation

Got another question. We'd love to stay in Mission Valley to save some money on the hotel. We'll be renting a car anyway so we don't mind driving in. Looks like we'd be about 6 miles from Gaslamp Quarter and all the fun stuff. Is there ample and affordable parking all around Gaslamp Quarter, the zoo...
by Triple digit golfer
Thu Apr 30, 2015 6:21 pm
Forum: Personal Consumer Issues
Topic: Want to plan a San Diego vacation
Replies: 19
Views: 1392

Re: Want to plan a San Diego vacation

Thank you all very much for the information and links!

I am adding it all to my list. We'll compile a list of all the things we want to do and narrow it down from there. Sounds like there is plenty of things to fill up our 5-6 days no problem!
by Triple digit golfer
Thu Apr 30, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Want to plan a San Diego vacation
Replies: 19
Views: 1392

Re: Want to plan a San Diego vacation

Budget is around $200/night for hotel. I prefer somewhere simple with a free breakfast. Somewhere nice but doesn't need to be fancy. Best Western, Holiday Inn, etc. are fine.

We'd like to be in the downtown area or close to it.

Thanks for the suggestions so far. I'm making myself a cheat sheet.
by Triple digit golfer
Thu Apr 30, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: Want to plan a San Diego vacation
Replies: 19
Views: 1392

Want to plan a San Diego vacation

Hi everybody. All I know about San Diego is that there's an awesome zoo and that the weather is fantastic. I'd like to plan a trip for late July or early August with my fiancee. We like being outside and active, so a lot of walking and/or hiking is welcome. Any tips on where to stay, things to do, s...
by Triple digit golfer
Thu Mar 05, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: Anyone fans of the CNBC show American Greed???
Replies: 32
Views: 2851

Re: Anyone fans of the CNBC show American Greed???

My fiance and I watch it all the time. I love it.
by Triple digit golfer
Thu Mar 05, 2015 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on cash needs in taxable account
Replies: 3
Views: 295

Re: Quick question on cash needs in taxable account

Yes, you are. See also: http://www.bogleheads.org/forum/viewtopic.php?t=13712 Excellent discussion in the diehards thread. Thanks. So the logic is to leave the full amount invested because I have what I'll need in cash ($18k) in a "safe" investment in my Roth IRA. In your post in the link...
by Triple digit golfer
Thu Mar 05, 2015 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Quick question on cash needs in taxable account
Replies: 3
Views: 295

Quick question on cash needs in taxable account

I have about $33k in a taxable account in Total International Stock Index. It's about 50/50 that in the next few years I will need to use $15-18k of this. However, given that it is not certain and I have lots of money in liquid savings already, I'd like to leave it invested instead of moving it to s...
by Triple digit golfer
Wed Feb 25, 2015 11:07 am
Forum: Investing - Theory, News & General
Topic: Why does Vanguard sell anything other than SP500 Index fund?
Replies: 18
Views: 2152

Re: Why do Vanguard sell anything other than SP500 Index fun

The S&P 500 is nothing more than an index tracking approximately 500 of the largest U.S. companies by market capitalization. It accounts for roughly 75% of the U.S. stock market. Other asset classes and equity sectors can and do beat it over certain time periods and will continue to beat it over...
by Triple digit golfer
Tue Feb 24, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 15873

Re: How much did you have saved up for retirement at age 30?

I'm turning 30 on Thursday.

I currently have $174,000 in 401(k) and Roth IRA.
I have another $34,000 in a taxable investment account and $74,000 in savings/CDs.

My fiance (same age as me) has about $2,000 in savings, $7,000 in 401(k), and $3,000 in a rollover IRA.
by Triple digit golfer
Mon Feb 23, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 10765

Re: What % of your gross income do you spend on mortgage/ren

9.15%

Numerator: PITI and association fees. Includes one additional principal payment per year that I choose to pay.
Denominator: Mine and fiance's gross income excluding my discretionary bonus

If I include just my gross income, it's 12.36%.
by Triple digit golfer
Thu Feb 19, 2015 1:16 pm
Forum: Investing - Theory, News & General
Topic: Why Vanguard Total Stock Market isn’t the best fund...fleet
Replies: 5
Views: 1371

Re: Why Vanguard Total Stock Market isn’t the best fund...fl

But this fund falls far short of its "total market" title. There is a lot of nonsense in that article, but this takes the cake. This quote is blatantly false. By definition, the fund invests in the "total market." It seems that Mr. Merriman wishes to redefine "total market&...
by Triple digit golfer
Wed Feb 18, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Recommend a general U.S. history book
Replies: 22
Views: 1466

Re: Recommend a general U.S. history book

Thanks for the posts and suggestions, everybody.

Crimsontide,

I was never really interested in school, so I did just enough to get by in school. Now I'm almost 30 and becoming interested in learning more. I feel like I probably have some serious gaps to fill.
by Triple digit golfer
Wed Feb 18, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: Recommend a general U.S. history book
Replies: 22
Views: 1466

Recommend a general U.S. history book

I am embarrassed to say that when it comes to my country's history, I am ignorant. I know very little about the formation of the country and its history since. I am looking to read a good, complete, U.S. history book, one that will present all of the major historical events, wars, and give me a good...
by Triple digit golfer
Tue Feb 17, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 3346

Re: Extended car warranty - worth it?

I agree that these are written for the benefit of the issuer or else how would they stay in business. I bought a Honda Accord and purchased an extended warranty for 8 years/120,000 miles. Before deciding, I asked the sales person, "If this is worth it to me as you claim it is, how do you guys ...
by Triple digit golfer
Fri Feb 13, 2015 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1464

Re: Quick question on tax-advantaged space

Either method leaves us with more than $120,000 in taxable. Is there a reason not go with with Plan B here? I don't see one unless there will be no emergency fund if/when you spend the $120k. I was considering that. I think for now, I feel comfortable having $100k+ in taxable and still adding to it...
by Triple digit golfer
Fri Feb 13, 2015 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1464

Re: Quick question on tax-advantaged space

Over the next several years, by my calculations posted yesterday, I'll need somewhere around $120,000. Right now I have $72k in savings/CDs and another $32k in Vanguard Total International Stock Index. Plan A: Keep doing what I'm doing (not maxing her 403b) and add about $2,000 per month to savings....
by Triple digit golfer
Thu Feb 12, 2015 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1464

Re: Quick question on tax-advantaged space

I currently don't have a Plan C. Why take out a car loan if less than 3%? Assuming a five-year loan, where am I going to get a guaranteed 3% or thereabout? Many car loans are cheaper than 3%. Penfed has a 60 month new car loan at 2.25%. Just borrow the $12K instead of using your roth, and invest th...
by Triple digit golfer
Thu Feb 12, 2015 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1464

Re: Quick question on tax-advantaged space

How much in emergency fund or short term reserves do you currently have and do you have any firm cash needs? If you have 5K emergency fund you may want to save more a month than if you currently have 50K emergency fund. With 50K emergency fund and no firm plans for large downpayment or car purchase...
by Triple digit golfer
Thu Feb 12, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1464

Re: Quick question on tax-advantaged space

Is there a plan C? Robbing your Roth account is a terrible idea. That should only happen in an emergency after other options have been exhausted. Max tax-advantaged accounts, put the surplus in taxable. Take out a car loan if <= 3% If you need more cash for a big purchase (e.g., house down payment)...
by Triple digit golfer
Thu Feb 12, 2015 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1464

Re: Quick question on tax-advantaged space

Here's what we're currently doing: $18,000 max his 401(k) $5,500 max his Roth IRA $5,500 max her Roth IRA $6,300 her 403(b) <-----tax-advantaged space remaining! $24,000 to savings account for short-term savings goals Would it make sense to do the following instead: $18,000 max his 401(k) $5,500 ma...
by Triple digit golfer
Thu Feb 12, 2015 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1464

Re: Quick question on tax-advantaged space

rkhusky wrote:You can pull Roth IRA contributions out tax and penalty free (earnings have to remain), but do so only in an emergency.


This was always my line of thinking as well. In that case, you'd go with Plan A in my situation?
by Triple digit golfer
Thu Feb 12, 2015 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1464

Quick question on tax-advantaged space

I understand and agree with filling up tax-advantaged space first for investing. What about general short-term savings goals? New car fund, house down payment fund, and so on. Typically people say to use a savings account, money market, or short-term bond fund. I agree with that. What i'm unsure of ...
by Triple digit golfer
Thu Feb 12, 2015 8:26 am
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 7600

Re: Where to buy nice men's dress shirts?

Wow, thanks to all for the recommendations! The department stores I was referring to are Kohl's and J.C. Penney. I've had the Croft & Barrow and Van Heusen brands and both make me feel like a used car salesman. They're just cheap looking - and this is coming from a very non-snobby person. I am a...
by Triple digit golfer
Wed Feb 11, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 7600

Where to buy nice men's dress shirts?

I like wearing decent dress shirts to work. I notice a definite difference in quality and longevity in shirts purchased from department stores compared to shirts purchased from Joseph A. Bank and Men's Wearhouse. That said, I don't like spending $100 for two shirts. I'm willing to spend $25-35 per s...
by Triple digit golfer
Wed Feb 11, 2015 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Advice
Replies: 8
Views: 509

Re: Asset Allocation Advice

How much are you contributing per year?

Unless your 401(k) is REALLY bad, it's probably best to contribute to it before a taxable account, assuming the money is for retirement.
by Triple digit golfer
Tue Feb 10, 2015 1:13 pm
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 1098

Re: Niagra Falls!

1. Yes, you need passports. This is relatively new. The cards are cheaper and they are acceptable if you not flying. 2. I wouldn't recommend it, but you can. It can get pretty crowded. It's nothing like I imagined - it's almost like a giant carnival. 3. Niagara Falls State Park (U.S.), Maid of the M...
by Triple digit golfer
Tue Feb 10, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: [Challenging my 401k plan]! How should I respond?
Replies: 29
Views: 2698

Re: [Challenging my 401k plan]! How should I respond?

It's tough to convince people, even smart people, that 1. Low cost is better than high cost (i.e. you get what you DON'T pay for) 2. Index funds are superior to actively managed funds (tough to answer the question "why WOULDN'T you want somebody managing your money for you?!") I am the Con...
by Triple digit golfer
Sun Feb 08, 2015 3:54 pm
Forum: Personal Consumer Issues
Topic: Ice dams - windows leaking
Replies: 12
Views: 1689

Re: Ice dams - windows leaking

Thanks for the replies. The guy said he looked around the attic and it's not a roof problem. The water was getting between the gutters and siding. What should I do, other than having them re-wrap the siding? Should I be concerned about damage inside my walls? If I understand correctly, water got ins...
by Triple digit golfer
Sun Feb 08, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Ice dams - windows leaking
Replies: 12
Views: 1689

Ice dams - windows leaking

I came home Friday to see my all three of my bedroom windows leaking. Water was coming in through several spots, and at the worst spot, a regular sized drinking glass was filling up every 15 minutes. I called my homeowners' association late that night and luckily, they sent somebody out at 11 p.m. a...
by Triple digit golfer
Fri Feb 06, 2015 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund / Property Taxes
Replies: 10
Views: 810

Re: Emergency Fund / Property Taxes

Toons and rustymutt,

Do you use the Vanguard Short Term Investment Grade bond fund in a taxable account?
by Triple digit golfer
Thu Feb 05, 2015 9:13 am
Forum: Investing - Help with Personal Investments
Topic: $10,000 lump sum into VTIAX?
Replies: 19
Views: 1628

Re: $10,000 lump sum into VTIAX?

It's only $10,000. It can't throw anything out of whack that much. If it does, then you don't have a large enough nest egg saved up for it to really matter at this point anyway, so I say go for it if that's your only concern.
by Triple digit golfer
Tue Feb 03, 2015 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do you balance frugality and life?
Replies: 50
Views: 6286

Re: How do you balance frugality and life?

Excellent posts and great perspective, everybody. I read every single one of them, plus EmergDoc's article. If I had my way, I'd live on very little, save 50%+ of my income, and retire at 50. However, if I did that I'd be 50 and single with nothing to do and potentially 40+ years to do it, because ...
by Triple digit golfer
Tue Feb 03, 2015 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: How do you balance frugality and life?
Replies: 50
Views: 6286

Re: How do you balance frugality and life?

Excellent posts and great perspective, everybody. I read every single one of them, plus EmergDoc's article. If I had my way, I'd live on very little, save 50%+ of my income, and retire at 50. However, if I did that I'd be 50 and single with nothing to do and potentially 40+ years to do it, because t...
by Triple digit golfer
Tue Feb 03, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: How do you balance frugality and life?
Replies: 50
Views: 6286

How do you balance frugality and life?

I feel guilty and I probably shouldn't. I am doing better than 95% of the population when it comes to saving, investing, and all around frugality. Still, compared to some Bogleheads and the people at Mr. Money Mustache, I'm not doing nearly what I'm capable of doing. I'm an amateur compared to some ...
by Triple digit golfer
Mon Feb 02, 2015 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Dividing investment between spouse's and own 401ks
Replies: 4
Views: 354

Re: Dividing investment between spouse's and own 401ks

After ensuring the full employer match in each, overall portfolio asset allocation and expenses are what's important. If that means $2k in one and $18k in the other, so be it. If one is s really good, low cost plan with investment options you desire and the other is not, then invest only the minimum...
by Triple digit golfer
Mon Feb 02, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 7191

Re: First Time Dog Owners -- Any Regrets?

Do you love dogs?

What would you do if your dog had an emergency that required a $3,000 surgery?
by Triple digit golfer
Sun Feb 01, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 39
Views: 3912

Re: Loan Terms -- Helping a friend going through Divorce?

If he's a friend and you want to keep it that way, for crying out loud, do not present him with a spreadsheet and charge fees. Either tell him the terms and hope he pays or tell him you can't lend him the money. If you do it your way, unless he's as big a financial stickler as you are (doubtful; you...
by Triple digit golfer
Sat Jan 31, 2015 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads portfolio using John Hancock funds
Replies: 2
Views: 309

Re: Bogleheads portfolio using John Hancock funds

Use the SsGA International Equity Index and you have your three. I believe that it excludes emerging markets, though.

Do you have any other investments? IRA or taxable account?

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