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Re: Workplace net worth conversations you'd like to avoid?

livesoft wrote:I have never been involved in a net worth conversation at work, so this whole thread seems weird to me....


+1.
I'm curious, where do you guys work that you even have time for convos like this?
by island
Wed Jan 28, 2015 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 62
Views: 4990

Re: Women's Face Moisturizer/Lotion

Even though she likes to try samples I still wouldn't recommend getting them for someone else. Still too many variables. There are lots of samples I wouldn't try, just by the feel or smell of it. Give her a gift card to Sephora or somewhere like that and she can go into the store and try different t...
by island
Tue Jan 27, 2015 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3263

Re: [Purchasing a] wife's purse

Thank you everyone for your suggestions. Going to the outlet mall Thursday. Hopefully they will have the model she has requested. Don't count on it. Years ago Coach outlets used to carry some of the classics that might have a slight imprefection, and I mean slight and it was a good deal. However ev...
by island
Tue Jan 27, 2015 3:45 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 34
Views: 2884

Re: wife's purse

Beth, do you know what model it is. she is looking at Style 34340. She gave you a style #? Well I'll go out on a limb and say I think she knows what she wants. No need for recommendations from us other than buy Mrs Robert44 that Coach bag! :D Either surprise her with it all gift wrapped (tuck a shi...
by island
Mon Jan 26, 2015 12:28 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 34
Views: 2884

Re: MediCare and ? What are your out of pocket costs please.

Thanks everyone for your replies! Took some time to read more, including links you provided and still trying to wrap my head around costs. Thank you also for the info about appts with Medicare counsellors. I didn't know that service existed and have a few relatives that are turning 65 within a year ...
by island
Sun Jan 25, 2015 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 16
Views: 1513

Re: negotiating vacation days

15 is pretty good. I wouldn't push for more. That's the negative of starting new jobs. I get 10, and don't get an increase for another 36 months. I work with some young people and see their energy, optimism, excitement, vitality for life .... and weep that they are harnessed to the plow. burt Oh pl...
by island
Sat Jan 24, 2015 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 37
Views: 2652

Re: Max 401k - What Next?! Backdoor Roth sounds complicated

Backdoor Roth is not that complicated to do If you have no other IRA accounts. 1) Open Traditional IRA and contribute up to $5,500 to it. You can chose a stable fund such as Money Market (VMMXX or equivalent) 2) Once funded, request the brokerage firm to fund your 2015 Roth IRA from traditional IRA...
by island
Sat Jan 24, 2015 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max 401k - What Next?! Backdoor Roth sounds complicated....
Replies: 17
Views: 1418

Re: Add new bank to vanguard account

DH and I each added an additional bank to our Vanguard account earlier this month. Bank of America for one and Barclay for the other. Same "micro deposit" procedure and both were complete within 3 days. I Neither were new bank accounts for us, just newly added to our Vanguard accounts, so ...
by island
Sat Jan 24, 2015 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Add new bank to vanguard account
Replies: 13
Views: 744

Re: Women's Face Moisturizer/Lotion

I too wouldn't give a gift of moisturizer or most skin products unless I knew it was something they used and loved, not even for my close friends. Personal preference with way too many variables. If you've got your mind set on it, I second going to Nordstrom for their selection and easy return polic...
by island
Sat Jan 24, 2015 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3263

Re: Flagship financial planner advice?

I met with VG financial planner and here's what he recommends: 60% stocks (30% US Large cap, 13% US Small cap, 17% international) 40% bonds (30% US short and intermediate, 5% international, 5% US long term) All VG funds and recommended the rebalancing management plan with them with a 0.3% fee. I am...
by island
Sat Jan 24, 2015 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5257

Re: Favorite Dishes?

2 fav sites when looking for inspiration:
www.epicurious.com
www.tastespotting.com
Tastespotting tends to make me hungry though! :D
by island
Fri Jan 23, 2015 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Dishes?
Replies: 24
Views: 1401

Re: when did Backdoor Roth first become available?

Thanks for the info and links! 2010 stood out in my mind for some reason, but couldn't find anything solid when I Googled for the answer. Was wondering how many years we missed out on it. :oops: The Mega sounds like a great idea and I had the ability to do after tax contributione to my 401K (Vanguar...
by island
Fri Jan 23, 2015 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: when did Backdoor Roth first become available?
Replies: 6
Views: 999

when did Backdoor Roth first become available?

Just curious, when did the Backdoor Roth conversion first become available? I only discovered it in 2013 and first contributed to it then. And the Mega Backdoor; when did that come along? I'm still trying to figure out if I can do that. Would love to! Hope I'm posting this in the correct forum. Than...
by island
Thu Jan 22, 2015 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: when did Backdoor Roth first become available?
Replies: 6
Views: 999

Re: A quick poll--pension annuity vs. lump sum

travellight wrote:So many factors to consider!


No Kidding! And when the time comes that I have to pull the trigger on this decision, make my social security and healthcare choices in retirement, start withdrawing from my 401k, etc, I pray I still have my wits about me. It's complicated enough just contemplating it!
by island
Tue Jan 20, 2015 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3658

Re: How long did it take your net worth to go from $1.5M to

Grt2bOutdoors wrote:
bulbul wrote:I am also interested in how to make it not just how long.


One dollar at a time........ :wink:


Yup, agree. No magic so I too don't understand the point of threads like this. Please come back and tell us why the specific interest in 1.5 to 3M. 1.5 is what u have and 3 in your goal?
by island
Mon Jan 19, 2015 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did it take your net worth to go from $1.5M to $3M?
Replies: 22
Views: 4554

Re: A quick poll--pension annuity vs. lump sum

I took the annuity in 2000, and I am really happy that I did so. I would have invested it in equities just before the dot com bust and lost half of it by 2003. Instead, I have already received more than I would have gotten in the lump sum, and I hope to continue collecting it for another 20 years. ...
by island
Sun Jan 18, 2015 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3658

Re: How long did it take your net worth to go from $1.5M to

Need a choice for didn't keep track Can you approximate ? No idea, and since most of your choices are 1 year intervals, no range for approx within the poll anyway. Dual income full time wage earners for about 30 years, with modest income by the standards of many on this site living within means and...
by island
Sun Jan 18, 2015 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did it take your net worth to go from $1.5M to $3M?
Replies: 22
Views: 4554

Re: spousal or partner frugality comparison poll

the word frugal means nothing to me since it's often used here to describe extreme penny pinching which I can not relate to. Frugal means being economical with regards to finances, not necessarily penny pinching. Being frugal or thrifty carries a positive connotation, while being miserly or cheap i...
by island
Sun Jan 18, 2015 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: spousal or partner frugality comparison poll
Replies: 18
Views: 1812

MediCare and ? What are your out of pocket costs please.

I'm been employed by the same company for about 30 years and have health care thru work for myself and spouse. I would also have a similar employer sponsored health plan in retirement when I turn 65. It's always been touted by employer as part of our compensation package and reminded of that when pe...
by island
Sun Jan 18, 2015 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 16
Views: 1513

Re: Flagship financial planner advice?

I'm curious to hear how it goes too. I have an assigned advisor, but have never consulted with him, yet. My 401K is with Vanguard and when contacted a couple of years ago to ask about opening a new taxable account and to open accounts to do backdoor ROTHs for both spouse and I, the person I spoke to...
by island
Sun Jan 18, 2015 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5257

Re: A quick poll--pension annuity vs. lump sum

I took the annuity in 2000, and I am really happy that I did so. I would have invested it in equities just before the dot com bust and lost half of it by 2003. Instead, I have already received more than I would have gotten in the lump sum, and I hope to continue collecting it for another 20 years. ...
by island
Sun Jan 18, 2015 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3658

Re: spousal or partner frugality comparison poll

Since discovering this board, the word frugal means nothing to me since it's often used here to describe extreme penny pinching which I can not relate to. But are we on the same page regarding money? Yes definitely. Some things he values or enjoys more and is willing to spend more on and same thing ...
by island
Sun Jan 18, 2015 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: spousal or partner frugality comparison poll
Replies: 18
Views: 1812

Re: A quick poll--pension annuity vs. lump sum

Not taking them yet, but spouse and I both have unCOLA pensions from our longstanding stable large company employers in the private sector. 65 is still about a decade away and we're not planning to take them early. Lot of factors to consider including how long we'll continue to work, and if our empl...
by island
Sun Jan 18, 2015 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3658

Re: How much food to you really keep?

LeeMKE wrote:.......(I freeze things that need ironing when they come out of the washer)


:shock: Huh?
by island
Sun Jan 18, 2015 2:12 pm
 
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 4183

Re: When your spouse isn't quite as frugal as you

This subject brought a chuckle because it takes a bit of perspective to appreciate how bad it can get. When I was your age (40) I was married to a woman who didn't work. We had two children who were in day care all day while she went out to lunch almost daily with her girlfriends, or went shopping ...
by island
Sat Jan 17, 2015 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8679

Re: Pottery Barn sofa - what fabric?

I'd eliminate anything with linen, wrinkles too easily and loose weave not a good choice for heavy use. Other than that, I don't know, would have to see and feel it for myself. I'd definitely want a tight smooth weave for heavy use in a fabric that doesn't pill or snag. Friends of ours have Pottery ...
by island
Thu Jan 15, 2015 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Pottery Barn sofa - what fabric?
Replies: 7
Views: 1076

Re: This topic is causing stress in marriage we need some he

Before this gets any deeper on personal relationship assumptions, see forum policy: Forum Policy We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones. The OP is in a difficult position. Understand that i...
by island
Thu Jan 15, 2015 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 7552

Re: This topic is causing stress in marriage we need some he

Agree with your wife; Don't withdraw from her retirement account.

Rest deleted in light of OP's info added later.
Please consider adding that to your original post and please, retitle your thread.

Good luck
by island
Thu Jan 15, 2015 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 7552

Re: How much food to you really keep?

OpenRoad wrote: I'm amazed at the amount of food people keep!


Me too! But I'm more amazed that they seem to know exactly how many meals it will make or how long the supply will last. Guessing they also routinely plan out menus in advance? I haven't even thought of what's for dinner tonite nevermind next week.
by island
Thu Jan 15, 2015 3:03 pm
 
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 4183

Re: How much food to you really keep?

db- Chuckling to myself here as I read your post. I can relate! We sort of did the same experiment this year when had to scheduled tenting for termites. I didn't think we had that much because we only have a 36" side by side counter depth fridge that is annoyingly small and always requires rear...
by island
Thu Jan 15, 2015 2:44 pm
 
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 4183

Re: When your spouse isn't quite as frugal as you

I mostly agree with other posters but this might be a pick your battles type of situation. However, I do love my breakfast sandwich maker, so I thought I would share it with you! Maybe your husband could muster the energy to make one in the morning? Or you could make one for him? They are so fast &...
by island
Wed Jan 14, 2015 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8679

Re: When your spouse isn't quite as frugal as you

I'm kind of surprised so many are saying just leave it alone since there are a lot of people on this board who watch every penny. That's not me and apparently not those who responded either! But I think you also said he's not contributing to his retirement at all? That's a Boglehead no no. Plus you ...
by island
Wed Jan 14, 2015 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8679

Re: Dazed, Confused and Upset

Can't blame the advisors for everything, even though that's the easiest. I'm not really even blaming the advisor for anything here, but rather am blaming the load-fund industry (American included) for how the true costs of investing with them are usually hidden from plain sight. What would I have a...
by island
Tue Jan 13, 2015 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6284

Re: Traditional IRA -> 401(k) to prepare for Backdoor Roth I

Yes I think you've got it all down. On the advice we got from this site, when we opened the TIRA to convert, we put the money in a Vanguard money market fund so it was unlikely to gain or lose by the time we did the conversion a couple of days later. Then exchanged it for the fund(s) we wanted in th...
by island
Tue Jan 13, 2015 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA -> 401(k) to prepare for Backdoor Roth IRA
Replies: 19
Views: 1341

Re: Edward Jones Fees

Should probably not cherry pick from a convo in a thread while still ongoing. I have no doubt some advisors obfuscate, but I don't find it difficult to find this info in my online AF online account at all and included details on that in subsequent posts in that thread. I will guess that an "AF...
by island
Tue Jan 13, 2015 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Fees
Replies: 24
Views: 2101

Re: Edward Jones Fees

I've never used Edward Jones and don't intend to, but since I see so many mentions on this forum I'd like to know more. Is an annual management fee mandatory and if so what is it? Same % for all clients or negotiable, based on account balance, etc? Or if for some reason you want access to the load ...
by island
Tue Jan 13, 2015 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Fees
Replies: 24
Views: 2101

Re: Edward Jones Fees

I saw the quoted bit below posted by hornet96 in another thread which speaks to trying to figure out what fees one might be paying in an Edward Jones account. I thought it was important enough to include it in this thread in its entirety. Read it carefully as it says that it will be nigh impossible...
by island
Tue Jan 13, 2015 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Fees
Replies: 24
Views: 2101

Re: Dazed, Confused and Upset

That's from my American Funds account that I access myself online. As you noted, there are indeed ways to find all of these charges, but it took me a while to figure it out. Part of that was probably due to the fact that it was my first time ever looking at the American Funds website. However, my r...
by island
Tue Jan 13, 2015 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6284

Re: Traditional IRA -> 401(k) to prepare for Backdoor Roth I

Yes absolutely. DH did the same 2 years ago to clear the way for a backdoor ROTH. He moved a rollover IRA from a previous employer AND a 401K from another previous employer into his current 401K around the same time. Then once that cleared, he fully funded a new TIRA and converted the funds to a ROT...
by island
Tue Jan 13, 2015 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA -> 401(k) to prepare for Backdoor Roth IRA
Replies: 19
Views: 1341

Re: How much in I bonds do you own?

Ah, the days when one could log into a treasury direct account and buy iBonds with a rewards credit card. So many trips to Aruba upgraded to first class for the family....... I had $400k worth a year ago and have unloaded $60k but accrued interest, so shy of $350k now Used to be able to buy with a ...
by island
Tue Jan 13, 2015 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: How much in I bonds do you own?
Replies: 29
Views: 3110

Re: Dazed, Confused and Upset

Also, even though I probably never read a fund prospectus or even looked up a fund on Morningstar, etc until a few years ago, every transaction from day one shows up on my American Funds online account. No deception there either. Cap gains, divs, tax, sales charges, etc going back to the beginning ...
by island
Tue Jan 13, 2015 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6284

Re: Poll - How much is enough / what's your number?

What difference does it make? Polls like this are meaningless.
by island
Tue Jan 13, 2015 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7545

Re: Dazed, Confused and Upset

I convinced my gf to move her holdings from EJ earlier this year. Just like the OP, the funds she was in were 5.75% front end load, and over 1% ER. But it took awhile going through the statements to figure out where that front end load was being assessed. As others have said, it wasn't a line item....
by island
Tue Jan 13, 2015 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6284

Re: Edward Jones Fees

I've never used Edward Jones and don't intend to, but since I see so many mentions on this forum I'd like to know more. Is an annual management fee mandatory and if so what is it? Same % for all clients or negotiable, based on account balance, etc? Or if for some reason you want access to the load h...
by island
Tue Jan 13, 2015 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Fees
Replies: 24
Views: 2101

Re: Dazed, Confused and Upset

I'm not a fan of E.J., and have never used them, but regarding "hiding" fees, I doubt that. I think it's more that investors don't ask, question, or read anything when they don't know enough. It's all spelled out if you look up the funds you're investing in, but most don't and dive in blin...
by island
Mon Jan 12, 2015 11:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6284

Re: Recommendations for Family Trip to San Diego

Go to www.tripadvisor.com
The people on the San Diego forum are very helpful.
by island
Mon Jan 12, 2015 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for Family Trip to San Diego
Replies: 16
Views: 1402

Re: How much in I bonds do you own?

Ah, the days when one could log into a treasury direct account and buy iBonds with a rewards credit card. So many trips to Aruba upgraded to first class for the family....... I had $400k worth a year ago and have unloaded $60k but accrued interest, so shy of $350k now Used to be able to buy with a ...
by island
Mon Jan 12, 2015 11:02 am
 
Forum: Investing - Theory, News & General
Topic: How much in I bonds do you own?
Replies: 29
Views: 3110

Re: Sorry.. another Should I move my portfolio question

Curious , when you say move it to Vanguard, you mean keep the funds and don't ever purchase more other than reinvested divs and cap gains if you choose? The move is to simply eliminate the advisor's annual management fee? Because I thought DFA was like American Funds in that you can only purchase fr...
by island
Sun Jan 11, 2015 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sorry.. another Should I move my portfolio question
Replies: 11
Views: 749

Re: Poll: Do you own I Bonds?

Never heard of them until discovered this site in 2013 in my quest to learn more about retirement investing other than just maxing out our 401Ks and saving in taxable. So DH and I bought 10K each annually the past 2 years. Not that we had a strategy. Still don't know if it makes sense for us, but di...
by island
Sun Jan 11, 2015 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5458
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