Search found 486 matches

by WorkToLive
Fri Jul 17, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4502

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

Just get a cheapie crib and buy a twin bed later on. Cloth diapers are awesome, but you can go nuts with them and spend lots of :moneybag :moneybag . If you choose cheaper types like prefolds, you will you definitely save money. If the child is breastfed, the poo can just go right into the washing m...
by WorkToLive
Thu Jul 16, 2015 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing fund within Roth IRA
Replies: 5
Views: 356

Re: Purchasing fund within Roth IRA

Thanks, I figured. I guess otherwise the gain would never be taxed.
by WorkToLive
Thu Jul 16, 2015 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing fund within Roth IRA
Replies: 5
Views: 356

Purchasing fund within Roth IRA

Hi,

If I have the VFIAX S&P 500 fund in my taxable account, can I transfer $5500 worth into my Roth IRA for my "contribution" without triggering a taxable sale? I'm guessing not, but I want to verify.

Thanks!
by WorkToLive
Mon Jul 06, 2015 9:56 am
Forum: Forum Issues and Administration
Topic: [Forum running slow]
Replies: 43
Views: 2578

Re: Slow down?

I am having the same experience.
by WorkToLive
Thu Jun 18, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 40
Views: 7350

Re: I'm Giving Up Golf

Sending hugs. Life has many seasons. I had to give up ballet at 40 after dancing and teaching for 35 years. It was hard, but I'm adjusting. Find something else you enjoy, maybe something social.
by WorkToLive
Wed Jun 03, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Quit high paying job to be stay at home parent?
Replies: 44
Views: 5217

Re: Quit high paying job to be stay at home parent?

I was in a similar position in 2005 at age 31. I made $96k and my spouse made $38k. I really wanted to stay home if we had a child, though I always knew I'd return to the workforce. We saved as much as we could, made sure our insurance situation would be OK, then got pregnant and left work the day I...
by WorkToLive
Wed Jun 03, 2015 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 74
Views: 12946

Re: Time to reach 1M and 2M milestones

Investable assets of $1M at 30 and $2M at 38-39. I had a head start with leftover college funds of about $250k at age 20 (graduated in 2.5 yrs). Also, have received some cash gifts over the years from my folks. Started maxing out my retirement accounts early and never slowed down. I'm 41 now and clo...
by WorkToLive
Wed May 20, 2015 11:06 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 93
Views: 16145

Re: What to do with 5M?

I just wanted to say congratulations. You've learned a lot and implemented a solid plan. Nice work. :sharebeer
by WorkToLive
Wed May 20, 2015 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Living on last months income.
Replies: 33
Views: 3600

Re: Living on last months income.

I have an annual budget, a cash flow record, and a savings allocation spreadsheet. Working in tandem, I ensure I have enough money for the year (every dollar has a purpose), I do not go negative in my checking account, and I know how much is in each of my savings buckets. This is not exactly the sam...
by WorkToLive
Wed Apr 22, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: What age did your Net Worth first equal 10,000x your Weight?
Replies: 48
Views: 3952

Re: What age did your Net Worth first equal 10,000x your Wei

That's so funny! We are really close to this, a bit over if you count our home equity. It helps that we are pretty skinny people! We are 252# combined and have investments just about $2,200,000.

:sharebeer :sharebeer
by WorkToLive
Tue Apr 21, 2015 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA - Vanguard Funds (some Admiral)
Replies: 3
Views: 467

Re: Health Equity HSA - Vanguard Funds (some Admiral)

Some of this have been discussing this for months. Check out thread:

viewtopic.php?f=1&t=146311
by WorkToLive
Fri Apr 17, 2015 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Cash out a rollover IRA?
Replies: 7
Views: 414

Re: Cash out a rollover IRA?

There is certainly no reason to cash out and then contribute to a Roth IRA. You can simply roll it into a Roth penalty-free, though you have to pay tax. A better option, if you are trying to simplify, is to roll that old IRA into your current 401(k), if that's allowed. Are you trying to free yoursel...
by WorkToLive
Wed Apr 15, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 6485

Re: Vehicle for tall people/Spouse wants 50k car help!

I believe there is an issue installing three carseats in a Toyota 4Runner. Please check that before you purchase if you intend to have three kids. Kids are in boosters until age 8+ now, so you need to plan for this.
by WorkToLive
Mon Mar 23, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Budget ? [Household budget, how to manage gap in income?]
Replies: 8
Views: 1357

Re: Budget ?

I am married to a teacher who receives a paycheck 10 months a year. I have two spreadsheets that manage this for me. One is an annual budget that allocates my money across all income, savings, and expenses. At the bottom of each month, I have a total surplus or deficit, but the overall year is budge...
by WorkToLive
Thu Mar 19, 2015 11:45 am
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 5219

Re: job offer, 2x salary

I suppose I might be in the minority, but I absolutely abhor commuting and, since I know I'm set for retirement at 55, I only take jobs with 30 mins or less commute. What's your thoughts on spending 2-3 hours a day in the car?
by WorkToLive
Tue Mar 17, 2015 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Another Mortgage vs Investing Q
Replies: 15
Views: 1627

Re: Another Mortgage vs Investing Q

I was in a similar place a few years ago and decided to pay it down. Took me 3.5 years, but it's been gone for almost two years now. No regrets here. Only thing that might make me pause is a need to replace a car soon.
by WorkToLive
Mon Mar 16, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3802

Re: Credit Report Very Low For No Reason? Fixing it?

If you check your credit report, you may find out. :wink:

I just took 10 minutes and checked mine--so thanks for the reminder.
by WorkToLive
Mon Mar 16, 2015 9:54 am
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 14367

Re: John Bogle's Don't Peek Challenge

I've been trying to cut down on looking at my portfolio, mainly because it feels like a waste of time. However, there are so many changes that I do have to keep track. I also import everything in Quicken and see my net worth at least weekly. I like the idea, though.
by WorkToLive
Thu Mar 05, 2015 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6959

Re: If you have $1 million...

I can't really answer your poll because I don't relate to either option. We purchased two new Hondas in 2009 and 2010 because our old cars were 16 years old (1993 and 1994) and were starting to break down. We bought the Honda Fit new because the used models did not have ESC, which CR recommends stro...
by WorkToLive
Thu Feb 05, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 6496

Re: What to buy sweetie for Valentine's Day

what about a Pajamagram? They will send pajamas of your choice to your sweetie. As a woman, I would find this thoughtful and practical.

http://www.pajamagram.com/?tracking=900 ... gQodNU8A8w
by WorkToLive
Thu Jan 29, 2015 1:24 pm
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 6092

Re: What age did you move out?

Graduated college in 2.5 years, lived at home while I did my Master's program for another 1.5 years. I lived at home for one more year because I didn't make enough to move out, then got a better job followed by an apartment, and moved out at age 23.
by WorkToLive
Wed Jan 28, 2015 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5594

Re: Vanguard and Turbo Tax

Help! I initially "purchased" then downloaded TT Deluxe. When I realized I needed Premier, I went back through Vanguard, "purchased" then downloaded Premier. I uninstalled TT Deluxe from my desktop and installed TT Premier. I was able to open my return, but when I try to go to my...
by WorkToLive
Wed Jan 28, 2015 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: How to set up an HSA account? (for a first time user)
Replies: 7
Views: 742

Re: How to set up an HSA account? (for a first time user)

Your plan sounds fine to me. Some think that HSA investing should come before 401(k) because it is payroll tax free. If it were me, I'd probably contribute to my match in the 401(k), then max out the HSA, then fill up my Roth, then finish my 401(k).
by WorkToLive
Wed Jan 28, 2015 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: How to set up an HSA account? (for a first time user)
Replies: 7
Views: 742

Re: How to set up an HSA account? (for a first time user)

What's your max out of pocket for the insurance? I'd probably contribute the max OOP and then simply adjust the next year based on what you spent. If you want to pick a bond fund or something to invest the amount over $1000, I think that would be fine.
by WorkToLive
Tue Jan 27, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: How to set up an HSA account? (for a first time user)
Replies: 7
Views: 742

Re: How to set up an HSA account? (for a first time user)

Most custodians require a certain cash balance prior to investing. Find out what yours allows. Figure out what investments are options and then post back here.
by WorkToLive
Tue Jan 27, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Locating deceased person's assets
Replies: 33
Views: 2423

Re: Poll: Locating deceased person's assets

I have desktop Quicken where all our accounts are listed. While it wouldn't be super easy to sort everything out, it's a comprehensive list of all our assets. In addition to Quicken, I have a MS Word file that I update once a year with life insurance, will, bank, and investment information. I've als...
by WorkToLive
Mon Jan 26, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5594

Re: Vanguard and Turbo Tax

I tried multiple times yesterday and today to click the link "Save now on TurboTax" on the Vanguard TurboTax webpage. I received an error saying something like "There was an unexpected error. Please try again later." I kept trying and finally got through. Once I did, I clicked De...
by WorkToLive
Sun Jan 25, 2015 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Upgrading to TurboTax Premier through Vanguard
Replies: 2
Views: 397

Re: Upgrading to TurboTax Premier through Vanguard

Thanks, winterescape. I'll do that :happy
by WorkToLive
Sun Jan 25, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Upgrading to TurboTax Premier through Vanguard
Replies: 2
Views: 397

Upgrading to TurboTax Premier through Vanguard

I need some help. I originally downloaded TurboTax Deluxe and began my 2014 tax return in it. Then I realized I need TurboTax Premier. I am a Vanguard Flagship customer so I see I can get Premier for free. My question is how do I upgrade? Do I go through the Vanguard portal or through TT? Thanks for...
by WorkToLive
Wed Jan 21, 2015 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4586

Re: What age did you pay off your "forever" home

Ages 39 me and 38 husband.
by WorkToLive
Mon Jan 12, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 3076

Re: How to handle defaulted debts and current student loans?

You have $1,751 of debt in collections from last year that you "don't know about"? Sounds like you have bigger issues.
by WorkToLive
Mon Jan 05, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1397
Views: 276983

Re: U.S. stocks in freefall

I had been lazy in contributing to my 2015 Roth. Just submitted the order to buy $5500 of 500 Index Admiral.

But I am NOT timing the market. It just worked out that I had been putting it off. :happy
by WorkToLive
Fri Dec 26, 2014 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 12175

Re: Health Equity HSA--New Passive Plan

Awesome news! Thanks for posting. I just moved my balance over $1000 into: VBMPX - VANGUARD TOTAL BOND MARKET IDX INSTLPLS - 0.05% Even with the 0.4% fee, I'm still beating 0.5% ER. Thinking about the REIT, but I don't know much about them. I figure I can always trade later. I only have $1500 to inv...
by WorkToLive
Wed Dec 24, 2014 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 32
Views: 3532

Re: I failed SS login

My husband got locked out. He called and it was resolved in under 30 minutes.
by WorkToLive
Tue Dec 23, 2014 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: What are your monthly food expenses?
Replies: 67
Views: 5361

Re: POLL: What are your monthly food expenses?

We spend $233 per person for a family of three just outside of a major metropolitan city.
by WorkToLive
Tue Dec 23, 2014 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: 31 years old, just sold my business, early semi-retirement?
Replies: 39
Views: 6213

Re: 31 years old, just sold my business, early semi-retireme

Congrats on your sale! My only hesitation with your plan is the possibility of adding kids to the mix. If you and your girlfriend wish to remain child-free, I see no issues, but if that's NOT the plan, I would reconsider. Kids are expensive. Not when they are babies, but as they get older. Not only ...
by WorkToLive
Tue Dec 23, 2014 8:49 am
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 12491

Re: What % of net worth is your home?

23%. We are 40. House is paid off. We expect to stay here long-term.
by WorkToLive
Sun Dec 07, 2014 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 93
Views: 12310

Re: Life changing decision... advice needed!

Congratulations on your decision.I made a similarly difficult decision five years ago. Like you, I documented my rationale. It has helped me many times when I begin to doubt myself. Five years later, I almost never think about it and I am very happy with my decision.

Have a wonderful winter!
by WorkToLive
Tue Dec 02, 2014 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 226
Views: 50228

Re: Share your networth progression

2008 - $614,095 (Recession) 2009 - $1,539,940 (Home Sale) Your net worth rose $900,000 in 1 year; you attribute that to a home sale. However a home sale doesn't affect net worth. It just shifts numbers around in an assets/liabilities spreadsheet, but the total of all the numbers should be the same....
by WorkToLive
Mon Dec 01, 2014 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 117
Views: 14772

Re: Do you celebrate financial milestones?

We celebrated the mortgage payoff with a steak dinner. Made at home. We included my parents since they were the only people in real life we told.
by WorkToLive
Wed Nov 26, 2014 9:44 pm
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4801

Re: When do you feel comfortable financially to have kids?

We were married at 28 and had our daughter 3 1/2 years later. We waited until I made Manager at my job and my DH had finished his masters degree and was employed. I knew I wanted to be a stay at home mom for several years so we had to be settled with enough savings for that to happen, plus access to...
by WorkToLive
Thu Nov 20, 2014 7:51 am
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 7159

Re: What to prepare for first baby due next month?

If it is a boy, you and your wife should agree on your plans regarding circumcision.
by WorkToLive
Sun Nov 09, 2014 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 34251

Re: War on Debt

1. & 3. Are you married? How old are you? I am not the poster you asked, but I will answer your questions. Yes, I am married and we are both 40. 2. What lengths would you go to stand up to your wife, if you were in my situation and what are the consequences do see from the actions you would take...
by WorkToLive
Wed Nov 05, 2014 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 16352

Re: Tough spot, decided to lease a car

Well, to sum up, "if you do what you've always done, you'll get what you've always gotten."

Good luck, OP; I think you've got a long path ahead of you. Financial peace is a wonderful thing, once achieved. I urge you to continue on that path.
by WorkToLive
Tue Nov 04, 2014 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 5916

Re: AA...any other crazy 80/20 folks out there?

I'm 40 and 80/20. Here's my reasons: ⋅ Relatively high net worth (close to $3M, incl. $675k in home equity with no remaining mortgage) ⋅ Plan to cover my expenses for at least 15 more years with earned income ⋅ Large gains to rebalance would push me into higher tax brac...
by WorkToLive
Sun Nov 02, 2014 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Self Employed Healthcare and Infertility
Replies: 9
Views: 1251

Re: Self Employed Healthcare and Infertility

Perhaps a silly and ill-advised idea, but can your business support an employee so you can have group coverage including infertility?
by WorkToLive
Sat Oct 18, 2014 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 13670

Re: "I've had it" at work - how often

I'm an IT subcontractor program manager for infrastructure services (help desk, security, asset management, disaster recovery) at two hospitals and 25 other centers. I get that feeling about once a week. I've been in this job industry for 14 years and it's much worse than it used to be. I thought th...
by WorkToLive
Sat Oct 18, 2014 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 66
Views: 12175

Re: Health Equity HSA--New Passive Plan

Called this morning to see when Investor Choice funds will be available for investment. The rep wasn't able to tell me.
by WorkToLive
Wed Oct 15, 2014 12:41 pm
Forum: Personal Consumer Issues
Topic: Opinions on Montessori beyond the preschool years
Replies: 10
Views: 966

Re: Opinions on Montessori beyond the preschool years

When did your children stop going to Montessori school and why? My daughter is eight and is attending an AMI-accredited Elementary Montessori program. She is in her third year as an Elementary student after completing four years of Primary (2 1/2 - 6 1/2). We plan to keep her in the program since sh...

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