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Re: Tipping for a haircut at Great Clips

Me and my wife started cutting our own hair 1 year ago. Picked up electric clippers and some barber shears on Amazon for ~$20. We watched a bunch of youtube videos, and just figured out how to do it ourselves. Now I get my haircut weekly; it takes 25 minutes for the cut and cleanup. We save on the p...
by blurryvision
Mon Mar 10, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 3966

Re: Getting rid of wife's Target Date fund - questions

Thank you everyone! We will keep her Target date fund for now.
by blurryvision
Tue Feb 18, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2095

Re: Getting rid of wife's Target Date fund - questions

How did you estimate your house value so specifically? Home value is just an estimate from Zillow / Redfin. We don't want to move and hope to live here permanently, so home value doesn't really mean too much to us. As for my wife entitled to unemployment, we're definitely not trying to "game t...
by blurryvision
Fri Feb 14, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2095

Getting rid of wife's Target Date fund - questions

I've learned so much about investing in my short time here, and I've made some changes in my retirement accounts that I feel comfortable with, thanks to help from others here! Emergeny Fund: We have combined 6 months worth of expenses (including mortgage payment) sitting in a savings account, lookin...
by blurryvision
Fri Feb 14, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2095

Re: Newly married - setting up finances

I think it helps to share a single mint.com account with all of your accounts (loans, mortgage, checking, savings, investments, etc) linked.

That way at all times each of you can see the big financial picture.
by blurryvision
Thu Feb 13, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newly married - setting up finances
Replies: 23
Views: 1877

Re: Newly married - setting up finances

I also believe in only having one joint account (or multiple joint accounts). It's simply a lot easier to manage. Marriage is about sharing and I strongly feel that if you can't share your money together, these doubts should be addressed before getting married. Isn't the Boglehead investment philoso...
by blurryvision
Thu Feb 13, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newly married - setting up finances
Replies: 23
Views: 1877

Re: Do you ever feel you are being too frugal?

We are friends with a couple who always invites us out to join them at fancy restaurants where it is difficult to get a reservation. Restaurants where the minimum for each person is around $100 (often more). Because of this, I feel like we can no longer hang out with them regularly. I've tried sugge...
by blurryvision
Mon Dec 30, 2013 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel you are being too frugal?
Replies: 65
Views: 5093

Re: Paid off Mortgage today!

Congrats!!! I have 13 years to go...
by blurryvision
Thu Dec 05, 2013 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage today!
Replies: 56
Views: 4164

Re: Vanguard Taxable Account next? Look ok?

Any interest in international stocks?
by blurryvision
Tue Dec 03, 2013 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Taxable Account next? Look ok?
Replies: 3
Views: 410

Re: Silly question on buying fractional shares in Roth IRA

Kruid9403 wrote:In those dollar amounts it will cost you more in commissions to split it up than to buy all together.


This is for a Roth IRA account with Vanguard with a Vanguard fund. I don't think there is a commission involved. Am I wrong?
by blurryvision
Thu Oct 17, 2013 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: Silly question on buying fractional shares in Roth IRA
Replies: 4
Views: 311

Silly question on buying fractional shares in Roth IRA

For my Roth IRA, if I want to buy shares of an index fund, does it make any difference if I buy $200 worth of shares of VTSAX one day versus $100 worth of shares one day, then $100 worth of shares the next day. Let's assume the NAV is the same both days. Is there any significant difference in the am...
by blurryvision
Thu Oct 17, 2013 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: Silly question on buying fractional shares in Roth IRA
Replies: 4
Views: 311

Re: In need of a new Vacuum

I have a 'Shark', got it from Costco & love it. I'd highly recommend it. +1 Just bought it from Costco about 2 weeks ago. Amazing. ~$150 You needn't research any further. http://www.costco.com/Shark%C2%AE-Navigator-Professional-Upright-Vacuum.product.100018632.html Yup this is the one we have. ...
by blurryvision
Tue Sep 24, 2013 2:55 pm
 
Forum: Personal Consumer Issues
Topic: In need of a new Vacuum
Replies: 24
Views: 1231

Re: Save for a down payment or continue maxing retirement?

Given the information you've provided, I would continue maxing out your retirement. I would worry about buying a home once you get married and start talking about having children. How long do you intend on staying with your current company? If you save for a down payment on a home, will it be within...
by blurryvision
Tue Sep 17, 2013 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Save for a down payment or continue maxing retirement?
Replies: 3
Views: 632

Trying to help my coworker understand her retirement annuity

I was helping a coworker choose funds for her 403(b) and found out that she has some type of retirement plan from her previous employer whom she joined in 1998 and left in 2004. All this time, she didn't even realize that there was money set aside in an account for her. While I know enough about fun...
by blurryvision
Fri Sep 13, 2013 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to help my coworker understand her retirement annuity
Replies: 0
Views: 226

Re: Are you an Iphone or Android guy?

iPhone user here. But disappointed Apple doesn't offer an iPhone with a larger screen. Getting very jealous of Samsung Note and Galaxy users.

By the way, can we turn this into a poll?
by blurryvision
Wed Sep 11, 2013 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 6602

Re: What do you do with your cash back rewards?

Me and my wife use our Chase Ultimate Rewards points and convert them to United Airlines or Southwest Airlines miles. We haven't paid for a domestic or international flight over the the past 2 years! This is not counting taxes and fuel charges. While getting cash back can be sensible, we find it rat...
by blurryvision
Fri Aug 30, 2013 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with your cash back rewards?
Replies: 51
Views: 3338

Re: Credit score using credit.com, karma, sesame, etc.

I've used all those sites to obtain my simulated credit scores without issue over the last few years. They are perfectly safe and in my opinion give me a reasonable estimate of my credit score. They help me monitor new credit inquiries as well. :sharebeer
by blurryvision
Thu Aug 29, 2013 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit score using credit.com, karma, sesame, etc.
Replies: 12
Views: 764

Re: How do you "rent" movies?

No movie services exist where I live, so I use Bit Torrent for movie and TV downloads. If you have internet access, then you can use a streaming device such as Roku to watch movies with Netflix or rent them on Amazon Streaming Video. Are you saying that these services are not available where you li...
by blurryvision
Wed Aug 28, 2013 12:33 pm
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 5563

Re: How do you "rent" movies?

No movie services exist where I live, so I use Bit Torrent for movie and TV downloads. If you have internet access, then you can use a streaming device such as Roku to watch movies with Netflix or rent them on Amazon Streaming Video. Are you saying that these services are not available where you li...
by blurryvision
Wed Aug 28, 2013 11:49 am
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 5563

Re: Financial advice

Invest early and often.

Now that I'm in my early 30s, I'm playing catch up by saving and investing more. I'm dispensing the same advice to those in their 20s. The dilemma is that most people in their 20s don't want to think about investing, let alone retirement.
by blurryvision
Thu Aug 22, 2013 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial advice [that you've ignored]
Replies: 19
Views: 2199

Re: Ring setting question

Have you checked out a smaller, independent jeweler.

In my experience, they don't charge anything to set the ring as long as you purchase the setting, it only takes like 30 minutes or so to set the stone.
by blurryvision
Fri Aug 16, 2013 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Ring setting question
Replies: 4
Views: 476

Re: Tips on splitting marital finances

Marriage is about teamwork. For us, we put everything into our joint account. By teaming up, we can really build wealth together. It helps that we share much of the same financial goals such as working together to keep our costs low, trying to invest healthily along the way. I don't know how a coupl...
by blurryvision
Fri Aug 16, 2013 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Tips on splitting marital finances
Replies: 71
Views: 5215

Re: 75 Transfer Fee?

A few years ago I was also charged a transfer fee to move my Roth IRA to Vanguard.

My financial adviser said he couldn't waive the fee. Although there were no problems charging me account maintenance fees, annual fees, loads, and high expense ratios. :annoyed
by blurryvision
Tue Aug 13, 2013 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 75 Transfer Fee?
Replies: 8
Views: 511

Re: Best On Line Bank?

I have tried ING (now CapitalOne 360), AMEX Personal Savings, and Ally and I have found that CapitalOne 360 works the best for me. The Capital One website and user interface is much more polished and user intuitive compared to AMEX and Ally. The Ally online bank website looks like it was designed by...
by blurryvision
Tue Aug 13, 2013 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best On Line Bank?
Replies: 31
Views: 4052

Re: Want to cut the cable cord

I also cut cable and have been using Netflix and Amazon Prime with my roku for the last 2 years. I don't regret this decision at all. I found that with cable and Direct TV, we used to just sit around and mindlessly surf the channels for something to watch. Cutting subscription television is really q...
by blurryvision
Thu Aug 08, 2013 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Want to cut the cable cord
Replies: 67
Views: 5712

Re: S&P breaks 1700...time to rebalance?

Time for me to buy some more bonds
by blurryvision
Fri Aug 02, 2013 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P breaks 1700...time to rebalance?
Replies: 59
Views: 5596

Re: more than one credit card?

the Citi Forward card is closed for new applications that aren't students. If you have a previous Citibank credit card, you can call Citibank and have them do a "product conversion" for you into the Citi Forward card. The process is free and does not affect your credit score (no hard inqui...
by blurryvision
Mon Jul 29, 2013 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: more than one credit card?
Replies: 51
Views: 3405

Re: more than one credit card?

I currently have around 10 active credit cards. It seems kind of crazy but I know people with much more than this amount of credit cards. Having this many credit cards really helps to optimize the cash back. Here is an example of some of the cash back / points I earn: 5% back on cell phone bill 5% ...
by blurryvision
Fri Jul 26, 2013 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: more than one credit card?
Replies: 51
Views: 3405

Re: more than one credit card?

I currently have around 10 active credit cards. It seems kind of crazy but I know people with much more than this amount of credit cards. Having this many credit cards really helps to optimize the cash back. Here is an example of some of the cash back / points I earn: 5% back on cell phone bill 5% b...
by blurryvision
Fri Jul 26, 2013 1:53 am
 
Forum: Personal Finance (Not Investing)
Topic: more than one credit card?
Replies: 51
Views: 3405

Re: What Do You Use to Track Your Credit Scores???

I go to http://www.annualcreditreport.com to get my credit report (no score included). You have one free report for each of the major credit reporting agencies: Transunion, Experian, and Equifax. I stagger and order a report from each CRA every 4 months. For simulated credit scores, I use the follow...
by blurryvision
Tue Jul 23, 2013 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Use to Track Your Credit Scores???
Replies: 20
Views: 1236

Re: Market Timing

You're young. I would go in all at once, and this time stay the course.
by blurryvision
Tue Jul 16, 2013 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Market Timing
Replies: 33
Views: 1657

Re: [Can you recommend]A spectacular movie, and a terrible m

Spectacular movie: Gattaca

Terrible movie: Wrath of the Titans
by blurryvision
Fri Jul 12, 2013 6:10 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 9187

Re: Is it important to establish a credit history? If so, h

Have you tried calling the AMEX reconsideration line? You may have luck speaking with a live representative, pleading your case for why you want the credit card. It also helps if you have a nice reported income. It's worth a shot. Also, are you married? Does your spouse have a credit card? or your p...
by blurryvision
Wed May 29, 2013 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it important to establish a credit history? If so, how?
Replies: 18
Views: 906

Re: a reason to own target date funds

I'm new to all this, but my reason for getting out of my target date fund is to lower the expense ratios, especially with Admiral Shares.
by blurryvision
Wed May 29, 2013 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: a reason to own target date funds
Replies: 16
Views: 1249

Re: Help with 401K in Mass Mutual & opening new taxable acco

Ok it's done! My portfolio is where I want it to be. I've combined my 401K and Roth IRA into "one" investment mix of 90% stocks / 10% bonds. For the stock index I have divided it up between 70% domestic and 30% international. My 401K will be all equities designed to mimic VTSMX (81% S&...
by blurryvision
Fri May 24, 2013 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K in Mass Mutual & opening new taxable account
Replies: 16
Views: 1298

Re: Help with 401K in Mass Mutual & opening new taxable acco

Okay, I have made the appropriate change in my 401K (81% S&P 500, 6% Mid Cap, 13% Small Cap). This was what I was looking for. I will continue to treat my 401K as 50% of my portfolio as TSM for now. Currently the employer match is 3%. I don't have profit sharing yet, but it will play a factor ne...
by blurryvision
Fri May 24, 2013 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K in Mass Mutual & opening new taxable account
Replies: 16
Views: 1298

Re: Refinance: 30 yr fixed to 15 yr fixed

Another thought, have you looked into a 20 year fixed rate?
by blurryvision
Thu May 23, 2013 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance: 30 yr fixed to 15 yr fixed
Replies: 15
Views: 846

Re: Help with 401K in Mass Mutual & opening new taxable acco

My wife would like to keep our total investments separate. You are correct that I am only partway there. Per Brian's advice above he suggested: Bonds: $3900 VBMFX (Vanguard Total Bond Index) - 10% of total investments (401K + IRA) International: $10400 VTIAX (Vanguard Total International Admiral) - ...
by blurryvision
Thu May 23, 2013 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K in Mass Mutual & opening new taxable account
Replies: 16
Views: 1298

Re: Help with 401K in Mass Mutual & opening new taxable acco

Just to update this thread, I've changed my balances in my 401K to the following: 70% MM S&P 500 Index (Northern Trust) MIEYX 20% Mid Cap Index (Northern) NOMIX 10% Small cap Index (Northern) NSIDX Thank you everyone, this is a huge relief as my previous 401K investment selection was all over th...
by blurryvision
Wed May 22, 2013 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K in Mass Mutual & opening new taxable account
Replies: 16
Views: 1298

Re: So how are bonds affected by taxable account

How about Lifecycle funds that contain TBM index? Is it a bad idea to have these types of index funds in your taxable account?
by blurryvision
Sat May 18, 2013 2:45 am
 
Forum: Investing - Help with Personal Investments
Topic: So how are bonds affected by taxable account
Replies: 13
Views: 1208

Re: Help with 401K in Mass Mutual & opening new taxable acco

Thank you for your help and attention Brian, I never thought about dividing up stocks (domestic / international) and bonds between my 401K and Roth IRA. I was trying to focus on AA separately within each retirement account. My next question has to do with Value versus Growth. I'm looking for a somew...
by blurryvision
Fri May 17, 2013 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K in Mass Mutual & opening new taxable account
Replies: 16
Views: 1298

Re: Help with 401K in Mass Mutual & opening new taxable acco

I've updated my original post. I'm looking for some guidance on how to simplify my 401K portfolio with mostly domestic and international stocks, maybe just 10% bonds.
by blurryvision
Fri May 17, 2013 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K in Mass Mutual & opening new taxable account
Replies: 16
Views: 1298

Re: Help with 401K in Mass Mutual & opening new taxable acco

Are you allowed to make your own selections among the funds listed instead of using the pre mixed lineup? If so you could get the costs much lower by using only the small and mid indexes. Your overall portfolio could then be balanced with other categories of investment in the non 401k accounts. Yes...
by blurryvision
Thu May 16, 2013 1:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K in Mass Mutual & opening new taxable account
Replies: 16
Views: 1298

Re: Help with 401K in Mass Mutual & opening new taxable acco

I have updated the original thread with how much is in our Roths. Wife does not have a company plan yet.

Any suggestions on funds should I concentrate on in my 401K MassMutual plan? Thank you.
by blurryvision
Wed May 15, 2013 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K in Mass Mutual & opening new taxable account
Replies: 16
Views: 1298

Help with 401K in Mass Mutual & opening new taxable account

Thank you reading this post. I’ve been lurking for the last year and have been reading as much as I can about index fund investing. I moved my Roth IRA funds over from Edward Jones 2 years ago and have been very happy no longer paying loads and account maintenance fees. I have just finished reading ...
by blurryvision
Tue May 14, 2013 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K in Mass Mutual & opening new taxable account
Replies: 16
Views: 1298

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