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Re: Looking for Low-Cost Eyeglass Shop I can visit

Thank you for all of the suggestions. I will definitely try these options. Costco or Sams Club looks like a good bet. Thank you for the online suggestions as well - I suppose there is no harm trying a place like Zenni. At least I put away flex spending money for this! p.s. lightheir - high index is ...
by msj16
Wed Apr 16, 2014 7:50 am
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 8
Views: 334

Looking for Low-Cost Eyeglass Shop I can visit

Hello everyone, I appreciate all of the help I have gotten from this site so far. I am seeking an eyeglass shop alternative to Lenscrafters. I just came back from Lenscrafters - was quoted 630 for a high index/varilux frame and lens (this was already with a 30% discount). I wear eyeglasses for dista...
by msj16
Tue Apr 15, 2014 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 8
Views: 334

Re: My financial advisor doubt

I am helping my mother who lives in Canada to manage her portfolio. It is very simple now that one can purchase ETF's through Vanguard Canada. She now has a portfolio which is exactly what Bogleheads recommend ( 3 fund-total US stock market, total bond market, total international, as well as Canadia...
by msj16
Mon Apr 14, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: My financial advisor doubt
Replies: 28
Views: 3101

Re: Best place to shop for Office Furniture

Thank you for all of your suggestions. I remember Costco when I lived in California. I will definitely try the used furniture stores.

Thank you meyer99 but I already have a great chair. Just need something to write on!
by msj16
Mon Apr 07, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Best place to shop for Office Furniture
Replies: 8
Views: 645

Re: Are we saving too much or too litte?

On this board, most people agree that when calculating how much to save for retirement, to not go by replacing a percentage of income but instead by covering expenses. Most people on this board also say that they live in retirement on 4000 to 5000 a month in expenses (40,000 to 60,000 a year to fund...
by msj16
Sat Apr 05, 2014 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving too much or too litte?
Replies: 28
Views: 2827

Re: How am I doing - stress check UPDATED with INFO

I do think you need to look closely at your expenses to see if you can save more. In 2013, the top 1% of households had pretax household income of almost 400,000. You have an opportunity to save a lot with a bit more caution in spending without sacrificing a lot in terms of lifestyle. I do think for...
by msj16
Sat Apr 05, 2014 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: How am I doing - stress check UPDATED with INFO
Replies: 14
Views: 1550

Best place to shop for Office Furniture

Hello everyone, I am looking to establish a home office. I would appreciate getting feedback on any brands/models of filing cabinets and desks that you would recommend. I ideally would like a maple desk and metal or maple filing cabinet. I am willing to pay for quality products. I already have a goo...
by msj16
Fri Apr 04, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Best place to shop for Office Furniture
Replies: 8
Views: 645

Re: Help with Solo 401K

Another thankyou to DSInvestor. Also, to the OP, there is Wiki section in Bogleheads on Solo 401K that you might find helpful. I am also doing a Solo 401K and I showed the section to my accountant today.
by msj16
Fri Apr 04, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Solo 401K
Replies: 6
Views: 381

Re: Safety schools for a Physics/Math kid

Congratulations and well deserved for the initiative and hard work that was shown!
by msj16
Mon Dec 16, 2013 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Safety schools for a Physics/Math kid
Replies: 263
Views: 15818

Re: Considering a "Year Off" from retirement contributions..

Don't mean to be a bummer but one has to factor in that when one is having a child there is a risk for medical problems - especially a pregnancy over the age of 35. You are in a great position in life - but things can happen - having the ability to manage all of those things quite comfortably would ...
by msj16
Sat Dec 14, 2013 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Considering a "Year Off" from retirement contributions.....
Replies: 64
Views: 5308

Re: Have I put too much into the 529 plan?

The college calculator from the college board says that college at 65000 per year (worst case scenario) in 8 years will cost (at 6% college inflation rate) a staggering 103,600 per year and 453,000 total. I know there is talk of this all being a bubble but so far the bubble has not popped. What I ha...
by msj16
Sun Nov 17, 2013 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: Have I put too much into the 529 plan?
Replies: 33
Views: 5687

Re: Have I put too much into the 529 plan?

The college rat race is pure madness but I don't want to leave my child with a huge debt burden. I have a 12 year old who has excelled at school and who may indeed do well enough to get into highly competitive schools like Cornell. I don't have enough income to fund college out of every day cash flo...
by msj16
Sun Nov 17, 2013 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: Have I put too much into the 529 plan?
Replies: 33
Views: 5687

Re: preparing children for wealth

For me, I only figured out that a million is not actually that much money (not enough to be very rich), when I learned about the 4% rule. Knowing that one can only generate 40,000 off of a million, and not for a whole lifetime was sobering. I would help them plan by discussing the practical parts of...
by msj16
Wed Sep 25, 2013 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: preparing children for wealth
Replies: 52
Views: 6412

Re: Going into 50 soon, starting over at VG - need AA Help

Regarding the question about where to put funds for college, I would check out the uesp.org website. This 529 Utah college savings plan uses Vanguard funds with very low fees. Many on this board use this highly rated plan to save for college. Check out the age-based portfolios, particularly the cons...
by msj16
Sat Sep 21, 2013 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Going into 50 soon, starting over at VG - need AA Help
Replies: 8
Views: 1596

Re: Threat of losing Car Insurance after one accident

You are right dm200! Thanks for the great advice. Yes, the insurance company took the police report's possibility of falling asleep and made it fact. I will recommend that my relative try to correct this.
by msj16
Wed Aug 07, 2013 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Threat of losing Car Insurance after one accident
Replies: 21
Views: 1555

Re: Threat of losing Car Insurance after one accident

Thanks for the feedback, Of course medical issues take precedence. He see his family doctor consistently, and recently had a comprehensive physical which came back normal. He also has had further testing which also came back normal. All that can be done is being done. This is being taken very seriou...
by msj16
Wed Aug 07, 2013 7:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Threat of losing Car Insurance after one accident
Replies: 21
Views: 1555

Re: Threat of losing Car Insurance after one accident

Thanks for the feedback, He is mid 50's. He has no history of memory trouble. He does not have any significant medical problems. The police report speculated that the accident was "possibly" due to being asleep at the wheel. He thinks that the current company he is with is very strict and ...
by msj16
Tue Aug 06, 2013 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Threat of losing Car Insurance after one accident
Replies: 21
Views: 1555

Threat of losing Car Insurance after one accident

Hello, A relative was in a car accident, where he was driving on a highway and his car hit the guard rail. He is unsure how it happened - one moment he was driving, the next he hit the rail. The car was totaled and he walked away without a scratch. The insurance company paid for the replacement valu...
by msj16
Tue Aug 06, 2013 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Threat of losing Car Insurance after one accident
Replies: 21
Views: 1555

Re: Audi A4 versus Volvo S60 Sedan

Wow, thank you everyone. The Volvo S60 appears to be the clear favorite. For me, there is nothing that compares to the great Volvo seats. I appreciate your feedback. If I end up getting an Audi, I will definitely consider trading it in before it gets too old. This has given me enough food for though...
by msj16
Sun Jul 28, 2013 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Audi A4 versus Volvo S60 Sedan
Replies: 25
Views: 2640

Audi A4 versus Volvo S60 Sedan

Hello, I am trying to choose between an Audi A4 2013 or 2014 Sedan and Volvo S60 2013 Sedan. Both are all wheel drive which I really like. I currently have a Volvo V70 wagon. I kept it forever (it is a 1998!), but it is finally breaking down. It had little tiny problems over the years which made rel...
by msj16
Sat Jul 27, 2013 11:02 pm
 
Forum: Personal Consumer Issues
Topic: Audi A4 versus Volvo S60 Sedan
Replies: 25
Views: 2640

Re: Paid off mortgage today

Congrats! Make sure to celebrate this important milestone.
by msj16
Thu Jun 06, 2013 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 73
Views: 5865

Re: Portfolio review and some questions

I recently called Vanguard (upon the advice of Boglehead "Duckie") and was easily able to combine my traditional IRA at Vanguard with my Rollover IRA at Vanguard. It was done over the phone in less than 5 minutes and considered an asset transfer. Vanguard will not need to do any IRS report...
by msj16
Fri May 31, 2013 11:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and some questions
Replies: 29
Views: 2063

Re: Portfolio Review and How am I doing?

Thanks for the feedback! RobInCt - Thanks for your perspective. I think that given the collective wisdom I am getting, it may be a good time to rebalance and increase my bond holdings. I did that tonight by selling some Fidelity Growth and moving it into the bond index fund. I should clarify that al...
by msj16
Fri May 17, 2013 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and How am I doing?
Replies: 10
Views: 1060

Re: Portfolio Review and How am I doing?

Hello again,

I have had no responses to my request for portfolio analysis. I would really appreciate it if a few kind, wise people on this board give me some feedback. Even short replies are much appreciated!
by msj16
Thu May 16, 2013 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and How am I doing?
Replies: 10
Views: 1060

Re: Portfolio Review and How am I doing?

Thanks Bob's not my name - No such luck for that extra zero. It was late when I entered all of those numbers. I have edited it now.
by msj16
Thu May 16, 2013 6:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and How am I doing?
Replies: 10
Views: 1060

Portfolio Review and How am I doing?

Hello everyone, I appreciate all of the great advice bogleheads have given me. Now, I would very much appreciate a portfolio review: Emergency Funds: 3-6 months-yes-1 year Debt: none, no car loans/mortgage paid off Tax Filing: Married filing jointly Tax Rate: 28% Federal, 6.37% State State of Reside...
by msj16
Wed May 15, 2013 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and How am I doing?
Replies: 10
Views: 1060

Re: [physician wants to explore career options]

Just wanted to add: I recently have been in touch with someone who is in the know regarding issues pertaining to Obamacare. (this is not a political post). My understanding is that with states required to form affordable care organizations-that private practise will no longer be viable in certain st...
by msj16
Fri Apr 26, 2013 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: UPDATE: [physician, career options, life options]
Replies: 89
Views: 7920

Re: Spouse wants to purchase a bicycle for 5000.

Thanks for the warning hsv_climber - don't want to advertise anything criminal! Post has been edited and cat is still not out of the bag - but apparently to some - it already is. Babakhani - Thanks for the input Dr. My spouse's waistline, resting heart rate and body mass index puts most (including m...
by msj16
Tue Apr 16, 2013 10:33 am
 
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 7817

Re: Spouse wants to purchase a bicycle for 5000.

Thank you everyone for your advice. I appreciate the interest in this thread. A decision has been made: Drumroll please ....The Trek madone 5.9 carbon fiber bicyle has been purchased by spouse! The bicycle does have a lifetime warranty on the frame. Spouse wants to keep the old bicycle for friends/r...
by msj16
Tue Apr 16, 2013 9:45 am
 
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 7817

Re: Spouse wants to purchase a bicycle for 5000.

Hello everyone, Wow - this thread has certainly generated a lot of feedback which I appreciate. Thank you to all, especially to the cyclists who gave me feedback that 5000 is not unreasonable to spend if you want a very high quality bicycle for serious cyclists. To follow-up on a few questions: -Yes...
by msj16
Fri Apr 12, 2013 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 7817

Re: Spouse wants to purchase a bicycle for 5000.

Thanks everyone, The feedback has been really helpful. I feel better about saying yes to this purchase (by the way - I also run big purchases by spouse as well). Being frugal, I have never spent this much money on myself for a hobby but I have to give spouse a lot of credit that the bicycle is part ...
by msj16
Fri Apr 12, 2013 10:03 am
 
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 7817

Re: Spouse wants to purchase a bicycle for 5000.

Thanks everyone, Snapshot of finances: As discussed mortgage paid off College Fund paid off (at expected 5% rate of return for private 4 year college) No Credit Card Debt No Student Loan Debt One year emergency fund 401K and Solo 401K currently being maxed out Job security: Layoffs keep occurring at...
by msj16
Fri Apr 12, 2013 12:53 am
 
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 7817

Spouse wants to purchase a bicycle for 5000.

Hello everyone, My spouse (age 40ish) would like to buy a bicycle for 5000.00 Spouse currently has a nice bicycle for half that amount. Spouse has been a cyclist for twenty years and will definitely make good use of this purchase. Spouse says that with the mortgage paid off/college fund done, it is ...
by msj16
Thu Apr 11, 2013 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 7817

Re: Please evaluate my current situation & portfolio

I agree - see the Wiki above for great investing basics. A great book is the Boglehead's Guide to Investing. Also, books by Jack Bogle point towards the benefits of indexing. Most actively managed funds do not beat their benchmark (the index they are comparing themselves to) consistently over time, ...
by msj16
Thu Apr 11, 2013 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Please evaluate my current situation & portfolio
Replies: 7
Views: 792

Re: Please evaluate my current situation & portfolio

When I was 29, I played around with some individual stocks but I soon realized that even with a few winners, there were always a few losers. I learned to dump the individual and only developed real wealth when I invested in index funds. I would probably think twice about moving to a house in that pr...
by msj16
Mon Apr 08, 2013 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please evaluate my current situation & portfolio
Replies: 7
Views: 792

Re: Brainstorming: Emergency Fund and CC Savings

Thanks Dulocracy for the info! donnygulledge - I don't think there are any small fry questions on this forum. Everyone is really helpful. I invest in Target Retirement funds at Vanguard. I also have recently established additional funds - Short term Investment Grade Bond Fund (as additional emergenc...
by msj16
Fri Mar 29, 2013 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brainstorming: Emergency Fund and CC Savings
Replies: 9
Views: 972

Re: Brainstorming: Emergency Fund and CC Savings

Dulocracy - Would you mind sharing which Bank of America Visa does that? I have a Bank of America Visa that gives miles but your card sounds like a good value.
by msj16
Thu Mar 28, 2013 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brainstorming: Emergency Fund and CC Savings
Replies: 9
Views: 972

Re: Where should I put this 25,000?

Thank you for the feedback, In general I am not really risk averse (47 years old, only 21% in bonds in target retirement 2030), but want to maintain this money without losing too much principal (maybe maximum 10% at a time). NY Boglehead - Yes - perhaps the combination of a muni bond fund plus stock...
by msj16
Mon Mar 25, 2013 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where should I put this 25,000?
Replies: 8
Views: 1281

Where should I put this 25,000?

Hello everyone, I have been very fortunate to have found this site and become a "boglehead" myself. I would appreciate some advice. Question: I have 25,000 to put into taxable. Tax-deferred is maxed out. This money is intended for longer term emergency fund - possibility of job loss. Ample...
by msj16
Mon Mar 25, 2013 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where should I put this 25,000?
Replies: 8
Views: 1281

Re: I-Bonds - Good time to buy?

Thank you Mr. Lindauer for the very useful information. I have made my first purchase of I-bonds with your help. Final question to I-Bond experts : Do you recommend buying enough just to satisfy what one might put into one tier of an emergency fund or CD for short-term expenses or emergencies, OR bu...
by msj16
Sat Mar 23, 2013 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - Good time to buy?
Replies: 12
Views: 1678

Re: I-Bonds - Good time to buy?

I am so grateful for all of your responses. What I thought was difficult is very easy with your advice. Mr. Lindauer - Thank you very much for responding to my humble post. I realize you are an authority on this subject so I am very grateful for your advice. I assume once a year, I can print out the...
by msj16
Fri Mar 22, 2013 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - Good time to buy?
Replies: 12
Views: 1678

Re: I-Bonds - Good time to buy?

Thanks for your help. Tax computing sounds very easy. I see that the fixed rate of 0.00 is a permanent rate for all I-bonds purchased during that rate. The rate resets I see after April 30th. Does anyone think that the rate is going to reset at a higher rate? I am thinking of purchasing 10,000. I wi...
by msj16
Fri Mar 22, 2013 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - Good time to buy?
Replies: 12
Views: 1678

I-Bonds - Good time to buy?

Hello everyone, I have a lot of money sitting in an emergency fund and I would like to develop a multi-tiered emergency fund. I have read on this site that I-bonds are a good choice for that. I have to admit that my eyes glazed over when reading about the finer details of them but I will try again. ...
by msj16
Fri Mar 22, 2013 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - Good time to buy?
Replies: 12
Views: 1678

Re: Projected College Costs Realistic?

I have saved a fortune for my kid's college costs already in a 529 plan. What I did is assume a 5% college inflation rate. My goal was to save that amount. I made sure to max out retirement accounts in the meantime. I have now saved enough to pay for college at a private university at 5% college inf...
by msj16
Sat Mar 16, 2013 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Projected College Costs Realistic?
Replies: 58
Views: 3830

Re: Paid off the mortgage on Friday!

Congratulations.

This is a great milestone to reach.
by msj16
Fri Mar 08, 2013 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage on Friday!
Replies: 38
Views: 3412

Re: Estimating Retirement Expenses

Thank you to everyone for your responses. It is really helpful to get your input. I really appreciate each response. This gives me a guide as to how to track expenses.

msj16
by msj16
Wed Mar 06, 2013 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimating Retirement Expenses
Replies: 21
Views: 1523

Estimating Retirement Expenses

Hello everyone, I am looking for advice on estimating retirement expenses. I know enough to not use the "percent of income" as a guide, but rather rely on expenses, but I don't know about whether to (and how to) factor in inflation and there are so many variables like average and unforseen...
by msj16
Wed Mar 06, 2013 1:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Estimating Retirement Expenses
Replies: 21
Views: 1523

Taxable Investing in Short term Bond Fund?

Hi everyone, A taxable investing question: I currently have 100,000 in INGDirect savings earning next to nothing: -30000 of that is allocated to a new car which may occur in the next two to three years. -50000 is an inheritance which is allocated to emergency fund use ( potential for job loss since ...
by msj16
Fri Oct 26, 2012 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Investing in Short term Bond Fund?
Replies: 3
Views: 460

Re: Paid off mortgage today - Thanks!

Thank you all for the well wishes! Thank you bluelight - congratulations to you as well! It is still sinking in as well. Thank you JupiterJones and Sunny Sarkar - If it makes you feel any better, I still have a large amount of property tax to pay each month (since I live in a state with one of the h...
by msj16
Tue Aug 28, 2012 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today - Thanks!
Replies: 37
Views: 4514

Re: Paid off mortgage today - Thanks!

Thank you everyone for the support. Dandy -Thanks for the feedback and good wishes. RTR2006-Thanks for the recommendation. I am going to make sure I stay on a disciplined path. ragabnh-It is a little shocking and great to see the mortgage balance so low isn't it? Greenie-Thanks for the good wishes. ...
by msj16
Sun Aug 26, 2012 8:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today - Thanks!
Replies: 37
Views: 4514
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