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Re: 6 years into career, finally time to address the unavoid

I'm not sure if it's understood already that you can put additional funds into your spouse's Roth IRA for additional tax advantaged space. For 2014, that would be 5,500 for yourself and 5,500 for your spouse.
by justus
Sat Dec 13, 2014 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 6 years into career, finally time to address the unavoidable
Replies: 28
Views: 4585

Re: Clothes Dryer drying very slowly

Agree with all the other folk. It's probably your vent. When was the last time you had the vent cleaned? My parents didn't even realize that was a thing for about 20 years. Once they told me what was wrong, I called a technician. He took a look and as it turns out, the pipe was completely full of wa...
by justus
Sun Oct 12, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2002

Re: invest in this 401K or not

How long are you going to be in this job? You can roll it over when you separate and so it may be worth being able to tuck away the extra money in a tax-advantaged space.
by justus
Wed Sep 10, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 1125

Re: Dad had a whole life policy but it sounds like term life

Sorry to hear about your father's passing. Please accept my sincere condolences.
by justus
Wed Jul 23, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dad had a whole life policy but it sounds like term life?!
Replies: 25
Views: 1746

Re: If you own a car, do you have a car payment?

I financed the purchase of my first car, when I was 21. I haven't had a car payment since.
by justus
Fri Jul 18, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7764

Re: Wait for better tenant application or approve the one I

I've been a landlord and I would not agree to longer than 1 year. I like the flexibility if the situation doesn't work out, to be able to terminate at the end of the period.
by justus
Wed Apr 09, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wait for better tenant application or approve the one I have
Replies: 27
Views: 1866

Re: Where to buy polo shirts?

I buy my short sleeve collared shirts (polo or golf style or whatever they're called) at Kohls. It's also where I buy most of my "work" clothes. I mostly work in an office and don't see clients, so it works. If I worked in sales or something more customer-facing, I might need to spend more...
by justus
Wed Feb 26, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy polo shirts?
Replies: 63
Views: 11339

Re: Bogleheads.org Homepage

Just wanted to chime in that I really love the homepage as is.
The hack (view new posts) several additional clicks/keystrokes and logging into the site.
by justus
Sat Jan 11, 2014 12:37 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Homepage
Replies: 76
Views: 4560

Re: 401k.fidelity.com sucks

I used to experience that same problem, but it seems to be a caching issue on my local browser. I now go to "netbenefits.fidelity.com" and see the login prompt.
by justus
Thu Jan 09, 2014 12:43 am
 
Forum: Personal Consumer Issues
Topic: 401k.fidelity.com sucks
Replies: 13
Views: 1396

Re: Net Worth Survey, 2014 Edition

It seems like the people that respond have relatively high income (or retired).
by justus
Sat Jan 04, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 23837

Re: Net Worth compared to Earnings History

I'm really not sure I understand what that formula is supposed to show, and also not clear what should be counted as net worth.
by justus
Sat Jan 04, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth compared to Earnings History
Replies: 19
Views: 2912

commingled pools/collective trusts

My employer's 401k plan is changing fund choices from the previous mutual funds to Commingled Pools/Collective Trusts. Asides from not having a prospectus and also having lower expense ratios, is there any significant differences between mutual funds and commingled pools?
by justus
Sun Nov 24, 2013 2:38 am
 
Forum: Investing - Theory, News & General
Topic: commingled pools/collective trusts
Replies: 1
Views: 269

Safety Net Funds, why Traditional Advice is Wrong.

I recently came across this entry on betterment's site. What do you think? Should you invest your emergency fund in 40% stocks?

https://www.betterment.com/blog/2013/08 ... -is-wrong/
by justus
Sun Sep 01, 2013 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: Safety Net Funds, why Traditional Advice is Wrong.
Replies: 17
Views: 1945

Re: Office chair recs

I originally bought the HumanScale chair and hated it. I exchanged it for the Steelcase Leaps chair and have no regrets. I ended up buying from a company that deals in new/excellent condition second hand office furniture. I was able to go to their warehouse and try out several chairs first. I've sa...
by justus
Sun Aug 25, 2013 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Office chair recs
Replies: 21
Views: 2651

Re: Mom just lent 40k to a friend w/o a contract

Ultimately, even though I think it's a terrible idea, it's her money, and it's already done. At this point, I think the only thing I can do is write up a contract for her and the friends to sign. I started Googling some private loan contract forms. Does anyone have any advice? I feel like private l...
by justus
Sat Jul 13, 2013 1:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Mom just lent 40k to a friend w/o a contract
Replies: 61
Views: 6730

Re: 57, quit working, $700,000

tonyski wrote:I'm looking for somewhere to put $500,000 that would pull in 10% ( isn't everybody?)


No, I don't think everyone is looking for that, tonyski.
by justus
Wed Jul 03, 2013 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 57, quit working, $700,000
Replies: 59
Views: 10530

Re: Getting rid of reverse mortgage

The OP's previous posts, though, indicate she had inquired about a reverse mortgage back in 2010.
by justus
Mon Jul 01, 2013 7:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of reverse mortgage
Replies: 9
Views: 1471

Re: What age did you reach 100K networth?

This year - age 40 - on my 61k salary. I just went over 126k, using only liquid and retirement asset numbers, and I am happy. I have embraced the Bogleheads methodology of saving since I joined this site and it is paying off tremendously! I still have a long way to go, but I will stay the course......
by justus
Thu Jun 27, 2013 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 35894

Re: Piano purchase

Diaharder,

Pianoworld is the forum I'd use to ask about individual piano brands. http://www.pianoworld.com/forum/ There's a lot of great information about what to know, what not to know, and how not to get ripped off.

Daniel
by justus
Mon Jun 24, 2013 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Piano purchase
Replies: 35
Views: 2756

Re: What age did you reach 100K networth?

Reading this forum is just crazy to see how self-selective the audience is. The median American family has a total net worth of $77K http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf (Page 17) I'm reading and the average Boglehead had a net worth of $100K by age 29? Hilarious. What's s...
by justus
Sun Jun 16, 2013 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 35894

Re: Cashing out company 401k match immediately?

Bogle's recent interview on Morningstar discusses the problems with 401ks & talks about how people tend to treat them like "thrifts" rather than retirement accounts. What is a "thrift"? I've seen reference to this quote a few times in the last day, I googled it but the only ...
by justus
Sat Jun 15, 2013 4:16 am
 
Forum: Investing - Theory, News & General
Topic: Cashing out company 401k match immediately?
Replies: 21
Views: 1312

Re: Car guys - Should I sell my car?

I agree 100%. The ongoing expenses are going to be relatively high either way, and in the grand scheme of things, that extra 10k in your pocket will be gone before you know it. It sounds like you're a bit of a bimmer fan, so enjoy your E46 M3 while you can afford it. Post a pic! :)
by justus
Fri Jun 14, 2013 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Car guys - Should I sell my car?
Replies: 9
Views: 957

Re: What age did you reach 100K networth?

I had a negative net worth of $40k at age 24 (credit cards), was unemployed / severely underemployed doing odd jobs like delivering television and large appliances part-time etc. for a few years, finally got a regular job and hit the positive 100k net-worth mark around age 29.
by justus
Fri Jun 14, 2013 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 35894

Re: Best way to send a fax from a computer

I use faxitnice for this purpose.
by justus
Mon Jun 10, 2013 12:28 am
 
Forum: Personal Consumer Issues
Topic: Best way to send a fax from a computer
Replies: 35
Views: 2921

Re: Tenant wants to purchase property and pay me mortgage- H

Do you want to sell? If you were to sell, what would you do with the equity? What your tenant wants to do is a "wraparound mortgage." Does your existing mortgage allow this or would it trigger a due-on-sale or acceleration clause? Why does your tenant want to do this? Does your tenant have...
by justus
Wed Apr 03, 2013 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to purchase property and pay me mortgage- HELP!
Replies: 12
Views: 1483

Re: Refurbished Mac Mini

I haven't had an issues purchasing from the apple refurbish store (mbp, ipad, etc).
by justus
Sun Feb 24, 2013 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Refurbished Mac Mini
Replies: 29
Views: 2969

Re: Buy Gold Panda coin

WendyW wrote:Since the couple is asking for money, you should make it clear to them that you won't be offended when they immediately hock the coin for actual spendable cash.

Why would someone be offended if you spend the gift?
by justus
Tue Feb 19, 2013 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy Gold Panda coin
Replies: 11
Views: 1257

Re: Ideas for Part-Time Jobs/ Education?

Have you checked out something like liveops.
by justus
Tue Feb 19, 2013 1:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Ideas for Part-Time Jobs/ Education?
Replies: 4
Views: 421

Re: Didn't contribute 401K to the max - can I fix it?

traditional IRA is tax deferred.
by justus
Mon Feb 18, 2013 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Didn't contribute 401K to the max - can I fix it?
Replies: 11
Views: 1734

Re: Certified boglehead professional

abuss368 wrote:I am not sure if any Bogleheads would pay fees of 1% of assets.


How uncertain are you? I'm pretty sure Bogleheads wouldn't ;-)
by justus
Thu Feb 14, 2013 4:00 am
 
Forum: Investing - Theory, News & General
Topic: Certified boglehead professional
Replies: 15
Views: 1257

Re: Dave Ramsey recommends 2 funds on the air

Both Dave and Suze give good, level-headed advice on living below your means and about the dangers of debt. They provide good strategies and a roadmap for getting out from under seemingly overwhelming consumer debt & for many people, the advice is timely and pithy.
by justus
Wed Feb 13, 2013 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey recommends 2 funds on the air
Replies: 53
Views: 8943

Re: I'm playing an investment game. How do i make $50k from

This was precisely the sort of "investing" exposure I got back during high school - trying to come out ahead during a single semester. The ideas of long-term investing, attention to costs, or diversification just weren't there. When I attended high school 20 years ago, this is exactly the...
by justus
Mon Feb 11, 2013 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm playing an investment game. How do i make $50k from $1 m
Replies: 49
Views: 3580

Re: How to start investing on minimum wage/part time job?

I am aware of that. Just trying to give to OP some incentive. Don't be so negative. Negative about OP investing in securities at this stage in his life, yes. But I like to think that I'm steering him in the right direction. OP's wisest investment this year would be in a well-tailored dark-colored s...
by justus
Fri Feb 08, 2013 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to start investing on minimum wage/part time job?
Replies: 28
Views: 1885

Re: Need Help with POA Document

I believe there are vendors on the internets that supply templates, but I've got a hard time understanding why your friend would want to skimp on paying $150 for a lawyer to help her, or to make alternative arrangements to have the closing documents faxed or couriered over to her location.
by justus
Wed Feb 06, 2013 2:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! How to Assign a VERY Limited POA
Replies: 10
Views: 552

Re: First time picking 401k funds

If I were you, I would continue to invest in your Roth and then invest the rest in taxable and ignore the 401k until your company implements matching or lower expense ratios are offered. Without a match, there isn't really a huge advantage to 401k. Sure you can defer your taxes, but it feels like t...
by justus
Wed Feb 06, 2013 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: First time picking 401k funds
Replies: 18
Views: 1443

Re: testing silver coins.... help

1)Just a priori, is it possible to have a one ounce silver coin that is real, yet weights 10 percent more???? Old US coins are 90% silver (so called junk silver), as pure silver is soft. However I would think a .999 pure ingot shouldn't be .900 pure. When I google the subject, I see no evidence of ...
by justus
Tue Feb 05, 2013 2:31 pm
 
Forum: Personal Consumer Issues
Topic: testing silver coins.... help
Replies: 22
Views: 1592

Re: testing silver coins.... help

I've often been warned about buying fake silver bullion (rounds and bars), but you can usually feel the difference in both how it weighs and also the heat absorbency in your hands. Do you have other bars to compare it against?
by justus
Mon Feb 04, 2013 11:18 pm
 
Forum: Personal Consumer Issues
Topic: testing silver coins.... help
Replies: 22
Views: 1592

Re: Retirement Hearing Witnesses Share What Works

Paul, I think the situation is even worse. Defined Benefit (DB) plans are disappearing, and they cost employers about 15%. The 10-15% quoted above is (I believe) what employees should save in a Defined Contribution plan like a 401k in addition to a DB plan. If there is no DB plan, the savings perce...
by justus
Sat Feb 02, 2013 5:28 am
 
Forum: Investing - Theory, News & General
Topic: Retirement Hearing Witnesses Share What Works
Replies: 15
Views: 2312

Re: IRS - Forgot to Pay Federal Taxes

He should file ASAP even if he can't pay the whole amount, he should send what he can until he's caught up.
by justus
Tue Jan 29, 2013 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS - Forgot to Pay Federal Taxes
Replies: 34
Views: 2306

Re: Heads Up - Rude Vanguard Rep

I'm sure they'd be able to track who you worked with and use this as a training opportunity. You're not doing anyone any favors by venting on a public forum while not providing feedback to the people who can actually effect change.
by justus
Wed Jan 23, 2013 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Heads Up - Rude Vanguard Rep
Replies: 12
Views: 1677

Re: Should we consider a 2nd house later this year or just w

Purchasing a home is usually less of a financial decision and more of a personal one. Why do you want to move? Do you have landlording experience? Do you want to be a landlord? I jumped into landlording and found that there's been a pretty steep learning curve. As far as the financial aspects go, is...
by justus
Sun Jan 20, 2013 2:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Should we consider a 2nd house later this year or just wait?
Replies: 5
Views: 862

Re: Car Donation Not Exceeding $500

SurfCityBill wrote:The letter further stated that my donated vehicle has sold and the sales price did not exceed $500. Please retain this letter, as required by IRS regulations to claim a vehicle tax deduction.


I read that to mean that it sold for less than $500.
by justus
Fri Jan 18, 2013 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Car Donation Not Exceeding $500
Replies: 4
Views: 681

Re: 401k fund options: FDIKX or VTRIX

Thank you, elbowman. Why do people prefer balanced or value over growth funds?
by justus
Fri Jan 18, 2013 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k fund options: FDIKX or VTRIX
Replies: 3
Views: 298

Re: Advice please

The best advice you can give him is "start" -- the longer you delay the harder it is.

Start off saving $200 a month. He'd be able to save enough to buy Vanguard STAR in 5 months ($1000 minimum).
by justus
Fri Jan 18, 2013 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice please
Replies: 4
Views: 278

401k fund options: FDIKX or VTRIX

I'm new here and just coming onboard to the bogleheads philosophy. I am trying to decide which fund to buy for international. My two options are FDIKX Fidelity® Diversified International Fund - Class K: 1 Yr +19.61% 3 Yr +4.31% 5 Yr -3.83% 10 Yr +8.85% ER: 0.84% VTRIX Vanguard International Value Fu...
by justus
Thu Jan 17, 2013 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k fund options: FDIKX or VTRIX
Replies: 3
Views: 298

Re: Using a "For Sale by Owner" site to sell a house

If you're trying to get the most net-money from the sale of the house, you'll want to appeal to the widest range of qualified buyers (including owner-occupant and investors) and I think most owner-occupants will not buy a house that comes with tenants.
by justus
Thu Jan 17, 2013 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using a "For Sale by Owner" site to sell a house
Replies: 8
Views: 1176

Re: mad money

Are you talking a few hundred dollars or a few hundred thousand dollars? For a few hundred bucks, you'd almost always lose whatever gains in trading fees. I'd sooner buy a few hundred bucks worth of lottery tickets. At least my kids could have some fun scratching them off.
by justus
Thu Jan 17, 2013 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: mad money
Replies: 22
Views: 2214

Re: Engineers: Free Libraries of Technical Papers?

Thanks for the replies everyone. I contact the university library and got access to some databases of technical journals. Now the key, after selecting one and getting approval, is getting a copy of one of the papers from the original paper's reference list. When I get there I'll try to google one o...
by justus
Wed Jan 16, 2013 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Engineers: Free Libraries of Technical Papers?
Replies: 26
Views: 1539

Re: Engineers: Free Libraries of Technical Papers?

dbltrbl wrote:This is not a big deal. Suggestions about reference librarian are great too but you need to contact them on phone or in person.

Good Luck.


Most schools have one available via Instant Messenger, Chat, Email, Etc.
by justus
Wed Jan 16, 2013 11:52 am
 
Forum: Personal Consumer Issues
Topic: Engineers: Free Libraries of Technical Papers?
Replies: 26
Views: 1539
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