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Re: Accidentally forgot a credit card for three months HELP!

Did you try calling the credit card company?
by mhc
Thu Jan 29, 2015 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accidentally forgot a credit card for three months HELP!
Replies: 11
Views: 1141

Re: Poll: Do you contribute max to tax-advantaged before 529

I max all tax-advantaged retirement accounts and max HSA. I then put money into my taxable account.

I have thresholds I want to hit for the 529. If I fall behind, I add more money. If I am ahead, I don't add money. For example, I want 25% of full in-state college expenses by age 5 and 50% by age 10.
by mhc
Thu Jan 29, 2015 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you contribute max to tax-advantaged before 529?
Replies: 18
Views: 1103

Re: What age did you move out?

I enlisted in the Army and moved out at 18.
by mhc
Tue Jan 27, 2015 10:10 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 116
Views: 4580

Re: Vanguard's Recommended Portfolio

You could do a lot worse, and it would be hard to do much better. Only the future will tell.

Personally, I only hold TBM for my bonds. You could go 30% TBM. It would be simpler, and it probably would not perform much different.
by mhc
Tue Jan 27, 2015 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Recommended Portfolio
Replies: 16
Views: 2100

Re: Do you respond to recruiters contacting you?

I ignore them. I do not think there is any obligation to respond to a cold call.

I find LinkedIn entertaining, so I keep my account.
by mhc
Tue Jan 27, 2015 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you respond to recruiters contacting you?
Replies: 17
Views: 1038

Re: QuitClaim Deed

When I got married, my DW and I used quit claim deeds to share ownership in our houses. Very easy. You should Google using them in NJ to see if anything comes up.
by mhc
Sat Jan 24, 2015 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: QuitClaim Deed
Replies: 36
Views: 2599

Re: Checklist for buying a new car

The Wizard wrote:When you factory order a new car, the delivery process is about as simple as it can be.
See if you can convince them to take a personal check for the $20,000+ balance due.
I think that's what Livesoft did..


Last time I bought a car, I wrote a $30k personal check. No problem.
by mhc
Fri Jan 23, 2015 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Checklist for buying a new car
Replies: 21
Views: 1798

Re: Half off TurboTax thru Monday

Thanks. That's the best deal I've seen so far this year.
by mhc
Fri Jan 23, 2015 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4274

Re: Hedging home value risk

I would reduce the risk by buying a less expensive house.
by mhc
Fri Jan 23, 2015 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hedging home value risk
Replies: 23
Views: 1097

Re: HSA custodian fee

Because tax-advantage space is at a premium for some. For example, if you max out your 401k, HSA, IRAs, ..., and still have money left over for a taxable account, then the HSA space is valuable. On the other hand, if you don't max out your HSA or don't use it like an IRA, then it really doesn't matt...
by mhc
Fri Jan 23, 2015 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA custodian fee
Replies: 5
Views: 276

Re: Anyone regret paying off mortgage early?

I asked this q 2+ years ago and majority said they didn't regret paying off early. We had another 2 years of bullish market. If you paid off your mortgage early, how do you feel now? Don't you regret you should have invested in the market instead? No. I paid off my mortgage just before the crash of...
by mhc
Thu Jan 22, 2015 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 306
Views: 37282

Re: Poll

I don't care, and I expect I really won't care after I pass.

There are other options that the poll does not list. My parents have arranged for a medical school to take their bodies. I hope one of their grandkids does not get them in class.
by mhc
Thu Jan 22, 2015 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll [Cemetery or Cremation]
Replies: 20
Views: 700

Re: Checklist for buying a new car

Tell the dealer not to put any of their advertisement on your car.

If you are buying a new car from a major dealer, I wouldn't worry about a lemon. States have lemon laws. Car manufacturers have warranties.

Read everything you sign.
by mhc
Wed Jan 21, 2015 11:16 am
 
Forum: Personal Consumer Issues
Topic: Checklist for buying a new car
Replies: 21
Views: 1798

Re: When is cash still king?

Cash is still king:

1. when you want privacy
2. in a hurry at a restaurant
3. credit/debit card not accepted
4. discount for cash is larger than cash back on credit card
5. avoiding card theft fraud (Home Depot, Target)
6. tooth fairy duties
by mhc
Wed Jan 21, 2015 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: When is cash still king?
Replies: 26
Views: 2797

Re: Nitpicking my portfolio

Why don't you have any tax-advantaged accounts?
by mhc
Tue Jan 20, 2015 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nitpicking my portfolio
Replies: 8
Views: 695

Re: What counts as "saving"?

From the on-line Webster dictionary. Seems pretty simple.

saving
noun

: an amount of something that is not spent or used
by mhc
Tue Jan 20, 2015 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6763

Re: Liquidate HSA at a loss to roll-over and avoid fees?

I would just move the money from the current HSA to your employer's HSA and be out of the market with the money for a few weeks. It's not that much money. Don't sweat it. Then again you are moving your money to save a few bucks. I would not sell bonds in a taxable account to make it work. If the bon...
by mhc
Mon Jan 19, 2015 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liquidate HSA at a loss to roll-over and avoid fees?
Replies: 6
Views: 395

Re: What counts as "saving"?

For me saving is whatever I do not spend. Paying off debt is spending not saving... You might want to think this through a bit more, perhaps long-term and short-term saving/investment. I'm basically retired, though with a little PT work in 2014 I am able to max out my Roth IRA for the year. That's ...
by mhc
Mon Jan 19, 2015 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6763

Re: What counts as "saving"?

For me saving is whatever I do not spend. Paying off debt is spending not saving.

Saving: 401k, IRA, HSA, checking account, taxable investments
Spending: paying debt, food, utilities, clothing, travel, entertainment

Edit: fixed type "of" to "off"
by mhc
Mon Jan 19, 2015 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6763

Re: Do you use the 9 style-box for AA?

Would a goal of diversification be to fill all 9 boxes with some minimum number in a total portfolio? The Large line would be highest, right? As the US's total real market has more large company stocks over any other, correct? You can plug a total stock market fund or ETF into M* x-ray and decide i...
by mhc
Sun Jan 18, 2015 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Do you use the 9 style-box for AA?
Replies: 24
Views: 1872

Re: Non-Cash Donations More than 50% of Adjusted Gross Incom

Are you familiar with the 50% of AGI rule?
by mhc
Sat Jan 17, 2015 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Non-Cash Donations More than 50% of Adjusted Gross Income
Replies: 9
Views: 980

Re: Getting deposed -- do I need to hire my own lawyer?

The company that laid me off three years ago has initiated legal action against one of their competitors. I got a call from the company that laid me off saying that they would provide a lawyer if I wanted one, as they expected the sued company to try to get depositions from people on the patents. T...
by mhc
Thu Jan 15, 2015 11:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4533

Re: How much food to you really keep?

I stock up on meat when it is on sale. I probably have 100 lbs of meat in the deep freezer. I got sirloin for $4/lb this summer and bought 50 lbs, pork loin for under $2/lb bought 60 lbs, and have some other large cuts of meat for smoking. In the house, I guess there would be about 3-4 weeks of food.
by mhc
Thu Jan 15, 2015 3:45 pm
 
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 4186

Re: Parents spending on grandkids

First issue is not your business.

Second issue: Don't do anything yet. Their enthusiasm to buy your child gifts may fade with time. Plus, the spending doesn't seem that crazy.
by mhc
Wed Jan 14, 2015 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents spending on grandkids
Replies: 23
Views: 1874

Re: Is this an unreasonable quote for interior home painting

You should get at least three quotes. It will give you a better feel for the cost in your market.
by mhc
Tue Jan 13, 2015 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4344

Re: How does a Boglehead handle stock options?

Taking the money when it becomes available is a reasonable strategy. Only hindsight will show what the best strategy would have been. One year I was at $99,500 in possible gains on a stock options grant. My plan was to sell at $100k. It never hit $100k. I ended up selling for about $10k in gains aft...
by mhc
Tue Jan 13, 2015 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead handle stock options?
Replies: 27
Views: 1839

Re: How does a Boglehead handle stock options?

1. What kind of options are they? Non-qualified, ISO, RSU 2. What is the vesting schedule? 3. When do the options expire? 4. What percent have they increased since they were granted? 5. What would you do with the money if you sold them? One strategy is to extract as much value as possible from the o...
by mhc
Tue Jan 13, 2015 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead handle stock options?
Replies: 27
Views: 1839

Re: Do you use the 9 style-box for AA?

I only use part of the 9 style box for AA. I am pretty much a 3 fund person, but my 401k does not offer a TSM fund. I use the 9 style box to work out the ratio of Large Cap to Small Cap that I want. I figured out the ratio in a couple of minutes. Now I have no use for the 9 style box. At work do yo...
by mhc
Tue Jan 13, 2015 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Do you use the 9 style-box for AA?
Replies: 24
Views: 1872

Re: Do you use the 9 style-box for AA?

I only use part of the 9 style box for AA. I am pretty much a 3 fund person, but my 401k does not offer a TSM fund. I use the 9 style box to work out the ratio of Large Cap to Small Cap that I want. I figured out the ratio in a couple of minutes. Now I have no use for the 9 style box.
by mhc
Mon Jan 12, 2015 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: Do you use the 9 style-box for AA?
Replies: 24
Views: 1872

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

My number is a function of age, at least in the age range of 50-60 years old.

my number = -0.2*age + 14 (age in years, my number in millions of dollars, today dollars)

At least this is how I feel today.
by mhc
Mon Jan 12, 2015 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7548

Re: How much in I bonds do you own?

$0

I still have not found a compelling reason to buy them. Maybe I just don't understand them well enough? :confused
by mhc
Mon Jan 12, 2015 9:25 am
 
Forum: Investing - Theory, News & General
Topic: How much in I bonds do you own?
Replies: 29
Views: 3118

Re: Advise / please

Welcome to the forum!

Here is a great place to start:
https://www.bogleheads.org/wiki/Getting_started

On that page is a link which shows the desired format for asking for portfolio help.
by mhc
Fri Jan 09, 2015 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advise / please
Replies: 6
Views: 547

Re: Retirement Saving - 15% PRE or POST Tax

15% savings rate for a young person is only a rule of thumb. I would recommend pre-tax, but there are really a lot of variables.
by mhc
Fri Jan 09, 2015 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Saving - 15% PRE or POST Tax
Replies: 15
Views: 1212

Re: Bonds, are they worth it?

I use a total bond market fund in my 401k similar to Vanguard's Total Bond Market Index Fund. It returned just shy of 6% last year. No complaints here.

If you use a bond fund, you can get in and out as you like (within reason).
by mhc
Thu Jan 08, 2015 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, are they worth it?
Replies: 11
Views: 1224

Re: What's in your car emergency kit?

jumper cables
coat, hat, gloves
blanket
shovel
cell phone (I don't carry one on me, it stays in the car)
water
knife
flashlight
toilet paper
towels
rope

I don't usually drive out of town, so I don't carry much.
by mhc
Thu Jan 08, 2015 3:48 pm
 
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 4014

Re: A mortgage prepayment puzzler

RNJ,

if you pre-pay, make sure it goes towards the principal and not just making monthly payments early.
by mhc
Thu Jan 08, 2015 9:45 am
 
Forum: Investing - Theory, News & General
Topic: A mortgage prepayment puzzler
Replies: 15
Views: 1614

Re: Should I also replace WM along with this job?

I would not replace the washer. Keep it. The other items are cheap for the peace of mind they may give you. A few years back I had a plumber install an extra water shutoff on my main water line so that I could shut off the water to the house while leaving the water on to the sprinkler system. When I...
by mhc
Wed Jan 07, 2015 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Should I also replace WM along with this job?
Replies: 16
Views: 2197

Re: Cost Basis Selection Help

If your only purchase of VTMFX was the $20k and you are selling all of it, the cost basis method does not matter.
by mhc
Wed Jan 07, 2015 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Selection Help
Replies: 2
Views: 260

Re: New vanguard Rep

I don't believe it is my job to train a company's employees. If you are not satisfied with your rep, then ask for a new one.
by mhc
Wed Jan 07, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: New vanguard Rep
Replies: 25
Views: 2740

Re: Vanguard Asset Allocation?

When exactly did you buy the fund? Maybe the transaction has not cleared and everything updated in the Vanguard database. I would wait at least a week before looking.
by mhc
Tue Jan 06, 2015 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Asset Allocation?
Replies: 3
Views: 862

Re: Should I proritize 401k or HSA? Plan details inside.

I think the decision comes down to:

1. How long will the money be in the HSA?
2. What will your tax rate be on your 401k withdrawals?

You can always move the money out of your employer's HSA to an HSA of your choosing.
by mhc
Mon Jan 05, 2015 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I proritize 401k or HSA? Plan details inside.
Replies: 4
Views: 382

Re: Vanguard Investor Shares vs. ETFs

There are pros and cons to mutual funds vs ETFs. You should decide which you prefer and use them. The ER difference is only a small piece of the consideration. I would not choose ETFs only for that reason in this case.
by mhc
Mon Jan 05, 2015 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Investor Shares vs. ETFs
Replies: 4
Views: 469

Re: How do I know when I'm Financially Independent?

firecalc does not account for everything, especially taxes. You need to consider the tax implications for the different types of accounts you may have. I would want several tools/models to tell me I am FI. I would also use the Fidelity calculators. Make sure your expenses cover health care costs. If...
by mhc
Mon Jan 05, 2015 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I know when I'm Financially Independent?
Replies: 18
Views: 3553

Re: Vanguard Cash Edge Service Link

My outside accounts update regularly there except my TD AmeriTrade accounts. They have "last updated February 2014" on them and no matter how many times I reenter the information, it says "multi-authentication failure". when mine does that i have to go to the accounts screen or ...
by mhc
Thu Jan 01, 2015 1:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Cash Edge Service Link
Replies: 11
Views: 2002

Re: What do you drive, and why?

I drive a 2004 Honda CR-V that I bought in 2003. My DW was pregnant with our first child. Earlier in the year we were trapped in our house for 4 days due to snow. I had a Saturn, and she had a Civic. I go stuck in front of my house. A neighbor helped push me out. I then could not make it up the driv...
by mhc
Wed Dec 31, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17156

Re: Vanguard Cash Edge Service Link

I have used it for years. I don't recall in updates ever. I wouldn't hold your breath about new features.

The outside accounts do feed into the Portfolio Watch feature.
by mhc
Wed Dec 31, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Cash Edge Service Link
Replies: 11
Views: 2002

Re: Poll: Total cost of 2-yr cell phone ownership?

$150 per 2 years for a tracfone. I have an old Nokia dumb phone that fits nicely in my pocket. I don't think I paid for the phone which I got about 9 years ago.
by mhc
Mon Dec 29, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Poll: Total cost of 2-yr cell phone ownership?
Replies: 54
Views: 3167

Re: Tracking growth of investment

Mine is really simple. I just record the total amount with the date every year or two. I don't find much use in the historical numbers, so I don't put much effort into it.
by mhc
Fri Dec 19, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking growth of investment
Replies: 8
Views: 659

Re: Schwab Intelligent Portfolios

I was wondering if Schwab was offering it at no cost to get more money into Schwab and get people use to the service; then, they would start charging.
by mhc
Fri Dec 19, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios
Replies: 19
Views: 3098
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