Search found 924 matches

Return to advanced search

Re: What percentage of your total net worth is your home?

I don't count it in my net worth
by island
Wed Mar 04, 2015 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: What percentage of your total net worth is your home?
Replies: 57
Views: 2984

Re: Arguing Dental Bill

It is your responsibility to know what your insurance will and wont cover, you authorized the work you need to pay the bill. People need to stop being passive in their care and take ownership over their medical and dental care. Yeah that's nice but have a full time job already and trying to get tha...
by island
Wed Mar 04, 2015 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 37
Views: 2185

Re: Oil & Vinegar

2nd the balsamic vinegar at Costco. Great on strawberries too; a little drizzle really brings out the sweetness.
by island
Mon Mar 02, 2015 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 50
Views: 3354

Re: How to find a spouse who wants financial independence

A couple of weeks after our first date I told my wife to be that I had a coupon for the restaurant but didn't think it was prudent to use. She asked Why not? We eventually went back and used the coupon. The restaurant is no longer in business but we still are. "most everything means nothing, e...
by island
Mon Mar 02, 2015 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 7897

Re: Does a Roth IRA make sense if you live in a high COL pla

I'm confused by the fact that OP seems to be asking multiple questions without giving adequate information in the thread. As far as Roth IRA in HCOL area, why not :confused As far as Roth IRA vs. 401k for this situation, given 25% bracket, it depends on 401k fund choices / expenses (I'm assuming if...
by island
Sun Mar 01, 2015 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 85
Views: 3130

Re: TradingPlaces' advice on travel awards

Missed this before now. Good stuff.
Bookmarked for future reference and thanks for providing the link to the thread that started it all. Merci!
by island
Sun Mar 01, 2015 11:03 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 147
Views: 9274

Re: Yale Endowment Report 2014

How can they get 36.1% annualized returns over a 20-year period on private equity!? Wow that is impressive! :greedy With Warren Buffett reporting somewhere around 23% or so annualized, it would be interesting to see how they achieve 36.1% annualized over a 20 year period. Simple: market efficiency....
by island
Sun Mar 01, 2015 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Yale Endowment Report 2014
Replies: 44
Views: 3871

Re: Wife turning 50, Ideas for gift?

Nice of you to be planning something special. That party sounds great....if she like surprises. I would hate that. I think you'd need to tell us more about her before we could suggest a gift. What does she like? Something that lasts forever, like a special piece of jewelry would be nice. If she like...
by island
Sun Mar 01, 2015 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Wife turning 50, Ideas for gift?
Replies: 25
Views: 1775

Re: Roll Call for the Retirement Class of 2015!

zbxb006 wrote:April 30 for me. 43 years of megacorp is enough.


Wow, 43 years with same company! I'm currently at 32. I think we're a dying breed.
Congrats and happy retirement! :beer
by island
Sun Mar 01, 2015 2:14 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 65
Views: 6159

Re: How to find a spouse who wants financial independence

mlebuf wrote:. It's an old but true axiom: Men use women as sex objects and women use men as success objects.


Really? Do you have any evidence to support your blatantly sexist "truism"? Come on, step into the 21st century.
by island
Sun Mar 01, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 7897

Re: How to find a spouse who wants financial independence

VesperLynd wrote:Whenever I see someone going overboard to display signs of wealth, I wonder what they are overcompensating for.


And what do you wonder when you see someone go overboard to obsessively pinch every penny?
by island
Sun Mar 01, 2015 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 7897

Re: How to find a spouse who wants financial independence

A couple of weeks after our first date I told my wife to be that I had a coupon for the restaurant but didn't think it was prudent to use. She asked Why not? We eventually went back and used the coupon. The restaurant is no longer in business but we still are. That's a tell sign and a guy I went on...
by island
Sun Mar 01, 2015 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 7897

Re: Inheritance to be held in expensive trust for ~10 years

Badbear and dbr- Great, thanks for the link and additional info! Will check it all out.
by island
Sat Feb 28, 2015 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance to be held in expensive trust for ~10 years
Replies: 55
Views: 6419

Re: Inheritance to be held in expensive trust for ~10 years

Can someone please explain, if multiple heirs what's the difference if distributions were taken "in kind" or first sold and divided? Assuming all wanted to choose their own funds anyway. Is there a step up basis either way or one method incur more taxes or some other issue? Thanks. If the...
by island
Sat Feb 28, 2015 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance to be held in expensive trust for ~10 years
Replies: 55
Views: 6419

Re: How do I learn to like sushi?

…, but its very common to find raw shrimp being served in high end sushi restaurants. Yep. The chef puts the live shrimp in front of you. As it starts to crawl away, Wack!, and the shell-less tail is presented to you on the blade of the knife while the rest of shrimp continues crawling away. While ...
by island
Sat Feb 28, 2015 2:49 pm
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 4520

Re: How do I learn to like sushi?

If you don't like seafood, sushi really isn't for you. Yes, you can cheat and just eat vegetable rolls. But almost all sushi restaurants offer non-sushi entrees like teriyaki chicken. Why not just join your fellow engineers and order that instead? + 1 Many Bogleheads say life is too short to stay i...
by island
Sat Feb 28, 2015 2:45 pm
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 4520

Re: Can I afford my dream house?

I can't view the income and asset charts you posted, but from the discussion it sounds like you can afford this purchase - particularly if we assume you'll downsize in 10-15 years and replenish your portfolio with the home equity..... I wonder, do many people build expensive "dream" house...
by island
Sat Feb 28, 2015 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 4034

Re: Can I afford my dream house?

Life is about priorities. If you want a nice house to raise your family, and you have the means, then go for it. Just buy a house that you can afford, and guess what, if you have to work until you're 57 instead of 55, it's not the end of the world. That's what my wife and I did, but $740k buys a dr...
by island
Sat Feb 28, 2015 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 4034

Re: Inheritance to be held in expensive trust for ~10 years

My other concern is that the current trustee is planning to liquidate all of the assets in the original trusts that my grandparents had formed before distributing to the various members of our family. I haven't read through all the replies, but has the point above been addressed? Why is the current...
by island
Sat Feb 28, 2015 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance to be held in expensive trust for ~10 years
Replies: 55
Views: 6419

Re: Decide when to pay CG tax and switch investments/funds

The right time to switch is either now or never; usually, it is now. See Paying a tax cost to switch funds on the wiki. This article links to a spreadsheet which computes the break-even point..... OP thanks for posting. This is a timely thread since I've been contemplating the same move for some fu...
by island
Sat Feb 28, 2015 1:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Decide when to pay CG tax and switch investments/funds
Replies: 9
Views: 885

Re: Can I afford my dream house?

Life is about priorities. If you want a nice house to raise your family, and you have the means, then go for it. Just buy a house that you can afford, and guess what, if you have to work until you're 57 instead of 55, it's not the end of the world. That's what my wife and I did, but $740k buys a dr...
by island
Sat Feb 28, 2015 1:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 4034

Re: Buy and Hold Forever Stocks

But nowadays I'm holding onto my remaining AAPL shares not as a growth stock but as a dividend juggernaut. Interesting discussion, but I'm a Newbie and just have a question about this. Why are the dividends so prized? If need a little $ why not just cash out something? Trying to understand why some...
by island
Wed Feb 25, 2015 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 7712

Re: Moving to Cash?

Island asked: "I don't know much about Tips, brokered CDs, laddering strategies. Curious why these instead of bonds?" For me, ROTH space is precious, and I didn't want to be short of $$ when it came time to finish the rungs of my TIPS ladder. There is a rule of thumb that one shouldn't in...
by island
Tue Feb 24, 2015 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: Moving to Cash?
Replies: 24
Views: 1967

Re: Poll: How Would You Want Your Estate Divided?

Event and achievement based: - determine events that merit gifting: - - enrolled in a magnet school, college, or grad school, graduated, passed a certification in a profession, - - marriage, birth of a child, - - purchase of a house, - - family reunions, - determine reasonable amounts to be gifted ...
by island
Tue Feb 24, 2015 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3428

Re: Moving to Cash?

I am already retired. I did some hedging recently by purchasing new issue brokered CD's of 9, 12, 18 & 24 months, each lot of which will be enough to finish building my TIPS ladder as auctions come up. I chose brokered CD's for convenience, as the funds are in my ROTH IRA. They won;t pay much, ...
by island
Tue Feb 24, 2015 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: Moving to Cash?
Replies: 24
Views: 1967

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

jayjayc wrote:9% renting in San Francisco.

For those who replied 0% (except 2tall4economy), are you excluding property tax, insurance and maintenance if you own your home and paid off the mortgage? Just trying to understand how 0% is possible.


Sure, because s/he just asked about mortgage.
by island
Tue Feb 24, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8744

Re: What age do you guys plan to retire?

57 We'll see though, I still have 32 years to go. I say 57 because I'm a federal employee under FERS, so that's the minimum retirement age. I plan to retire as soon as I can. So you're only 25 and already thinking you will stay where you are for your entire career? Just curious, do you absolutely l...
by island
Tue Feb 24, 2015 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8591

Re: Someone Else Filed My Tax Return

Wow. Sorry to hear this and sorry I have nothing to add other than to ask a few questions. Does this happen more often to people with more common names? For those who have experienced this, did you ever figure out how the fraudster got your personal info? Did they ever get caught, or does the IRS ju...
by island
Tue Feb 24, 2015 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Someone Else Filed My Tax Return
Replies: 29
Views: 2667

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

I strongly regret making this thread. I appear to be way behind most here. Age 28 currently, only $38k (soon to be $43k once I throw my bonus post-tax in there). There are plenty of posts from people who had very little saved at 30, so it's obvious you're only zooming in on those that have more. Bo...
by island
Tue Feb 24, 2015 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 172
Views: 12274

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

OMG are you kidding me? I have no idea, that was 2 decades ago and at 30 retirement was the last thing on my mind! Like Livesoft, it couldn't have been much since only a few years into my first real job after grad school, had student debt and a new mortgage. I saved in my 401K, but rarely gave it a...
by island
Tue Feb 24, 2015 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 172
Views: 12274

Re: iPad users: what browser are you using?

Safari
by island
Tue Feb 24, 2015 12:44 am
 
Forum: Personal Consumer Issues
Topic: iPad users: what browser are you using?
Replies: 28
Views: 1843

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

OMG are you kidding me? I have no idea, that was 2 decades ago and at 30 retirement was the last thing on my mind! Like Livesoft, it couldn't have been much since only a few years into my first real job after grad school, had student debt and a new mortgage. I saved in my 401K, but rarely gave it a ...
by island
Tue Feb 24, 2015 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 172
Views: 12274

Re: What age do you guys plan to retire?

It is my impression that there are some people on this thread, who are very early in their work and personal lives, that vastly underestimate the expense of living over time and overestimate the likely returns on investments. Again, just my opinion.... You're probably right, but this forum is full ...
by island
Mon Feb 23, 2015 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8591

Re: What age do you guys plan to retire?

It is my impression that there are some people on this thread, who are very early in their work and personal lives, that vastly underestimate the expense of living over time and overestimate the likely returns on investments. Again, just my opinion.... You're probably right, but this forum is full ...
by island
Mon Feb 23, 2015 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8591

Re: Help with selling and clean out of older relative's home

Thank you for all the advice so far. I'm just trying to wrap my head around how big this job might be. I forgot to mention the old appliances she has. There is an old RCA color console TV from 1975 in the living room that somehow still works (she got free digital converter box to keep using it.) It...
by island
Mon Feb 23, 2015 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with selling and clean out of older relative's home
Replies: 19
Views: 1811

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

Yeesh... PITI + HOA fees = 30% of base salaries... I thought I was right in line but now I feel like a spendthrift... At least this is on a 20 yr mortgage... Well don't! You know Bogleheadland isn't the real world and who knows where everyone is in life or where they live. Not comparing apples to a...
by island
Mon Feb 23, 2015 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8744

Re: how to find similar funds

Toons and Livesoft thanks for those suggestions and links, will check them out. Grabiner I hear what your saying, but I'm not trying to duplicate the portfolio, just trying to better understand the American Funds I already have, and figure out which will be the first to go if I sell. As mentioned, o...
by island
Sun Feb 22, 2015 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: how to find similar funds
Replies: 4
Views: 322

how to find similar funds

Hi all. Do you know of any websites that have freebie screening tools to find similar mutual funds? Looks like Morningstar does, but have to pay for Premium to access it, other than the brief trial period. Vanguard has one where you can enter a fund symbol from another fund family and it will pull u...
by island
Sun Feb 22, 2015 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: how to find similar funds
Replies: 4
Views: 322

Re: Adjusted Livesoft Income (ALI)

Livesoft did I miss the poll or not posted yet?
Thanks
by island
Sun Feb 22, 2015 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adjusted Livesoft Income (ALI)
Replies: 36
Views: 4016

Re: Returning a taxable gift.

What OP's mother did was weird, but I think a better response would be to say thanks for the gift, and explain that it should be moved somewhere sensible like a 529 plan. I think grandma's action was weird too and don't blame the OP for being pissed. Why so secretive? What if she gave her minor gra...
by island
Sun Feb 22, 2015 2:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Returning a taxable gift.
Replies: 16
Views: 1136

Re: To Fence ... Or Not?

Ok inquiring minds want to know... What's with the hole? Dug partially on your property and filled in so it's now a mound and you haven't asked what's up with that? Please please find out if Jimmy Hoffa or his nest egg is buried there. I must know! :twisted: Is the neighbor's own 3/4 acre lot so ov...
by island
Sun Feb 22, 2015 1:59 am
 
Forum: Personal Consumer Issues
Topic: To Fence ... Or Not?
Replies: 93
Views: 8176

Re: Prom budget for teenage girl?

travellight wrote:Speaking for the other sex, I just spent $800 on my sons prom attire, a tux with patent leather shoes. I consider it an investment because he can wear it for years. I will drive him there and back, no limo, and he is probably going solo and just hang out with friends.


Yeah maybe, if it still fits.
by island
Sun Feb 22, 2015 1:52 am
 
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 82
Views: 4657

Re: Prom budget for teenage girl?

Spray tans? Must be a regional thing. I don't know any teens anywhere who would be caught dead with a spray tan. Could save on that. Could save by doing own nails; it's not that difficult. And makeup. Most teens don't need a face full of makeup or a dated updo for that matter.
by island
Sat Feb 21, 2015 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 82
Views: 4657

Re: To Fence ... Or Not?

Ok inquiring minds want to know... What's with the hole? Dug partially on your property and filled in so it's now a mound and you haven't asked what's up with that? Please please find out if Jimmy Hoffa or his nest egg is buried there. I must know! :twisted: Is the neighbor's own 3/4 acre lot so ove...
by island
Sat Feb 21, 2015 7:50 pm
 
Forum: Personal Consumer Issues
Topic: To Fence ... Or Not?
Replies: 93
Views: 8176

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

0 now because home is paid off a few years, but when we bought it 12/88 mortgage and property tax was about 30% of of our dual income. Strangely, never felt strapped and didn't penny pinch, just lived within means. High COL area and double digit interest rates in those early years so count your bles...
by island
Sat Feb 21, 2015 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8744

Re: Prom budget for teenage girl?

What other expenses are there beyond the dress and accessories?
by island
Fri Feb 20, 2015 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 82
Views: 4657

Re: Poll: How Would You Want Your Estate Divided?

I was reading an estate planning article and it got me wondering about "fairness". So I thought I would ask my fellow Bogleheads to weigh in. How would you want your estate divided up if you were U in this situation? I'll recap the hypothetical: - U, a widowed spouse, has 3 children, C1, ...
by island
Thu Feb 19, 2015 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3428

Re: Help me find my friend !

toofache32 wrote:Good grief. Am I really the last person on earth that doesn't do myface, spacebook, tweeter, and whatever else the kids are doing these days?

Nope you're not the only one.
by island
Thu Feb 19, 2015 11:52 pm
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3232

Re: Poll: How Would You Want Your Estate Divided?

Thanks for the article. Since I haven't done my own estate planning and know very little about it at this point I can't answer your poll. Most people I know, including my parents and inlaws, plan to divide equally among their children regardless of existance or grands, great grands or not as did the...
by island
Thu Feb 19, 2015 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3428

Re: Need Desk chair for my office work

Love my Steelcase Criterion.
by island
Thu Feb 19, 2015 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Need Desk chair for my office work
Replies: 28
Views: 1383
Next

Return to advanced search