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Re: Teacher Considering Career Change

How were the parents at the private school? One complaint I have heard is that parents can be pushier because they are paying customers. Was that true in your experience? I had a parent or two who fit that description. I recall the principal of the school basically being told, "we've paid enou...
by nirvines88
Thu Jul 17, 2014 5:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Teacher Considering Career Change
Replies: 49
Views: 3287

Re: Teacher Considering Career Change

Have you thought about teaching private school? I've taught in both private and public schools. There is comparable pay for both where I am, although public school has better benefits. On the flip side, I had the luxury of working 40 hour weeks at private school whereas I currently put in 60+ hours ...
by nirvines88
Wed Jul 16, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teacher Considering Career Change
Replies: 49
Views: 3287

Re: Amsterdam

Walking around the Red Light district is interesting.
by nirvines88
Wed Jun 18, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Amsterdam
Replies: 14
Views: 1132

Re: Masonite Siding

Thanks for the responses so far. It seems pretty evenly split between the "avoid at all costs" and "don't worry about it but keep it well maintained/factor it into the price" categories. I talked to my realtor and he agrees that the sellers will need to drop 10-15k off the price ...
by nirvines88
Thu May 22, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Masonite Siding
Replies: 26
Views: 1958

Masonite Siding

I am currently looking to buy a home. I've found one that I particularly like, but it has masonite siding. The house was built in 1986 - the masonite has been well maintained and a few parts of its exterior have been replaced with hardy plank siding. However, I've read lots of horror stories online ...
by nirvines88
Wed May 21, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Masonite Siding
Replies: 26
Views: 1958

Re: Last Minute Denali Trip - Where to find lodging?!

Thanks for all of the info. I'll look into the links y'all posted. It may be the case where I have to put off an Alaska adventure until a future year, but we'll see!
by nirvines88
Wed Apr 23, 2014 6:05 am
 
Forum: Personal Consumer Issues
Topic: Last Minute Denali Trip - Where to find lodging?!
Replies: 13
Views: 1193

Last Minute Denali Trip - Where to find lodging?!

So my friends and I were thinking about planning a summer trip to the Denali at the last minute. We were thinking of going from approximately July 14-20, but are having problems finding a cabin/hotel/any form of lodging. Anyone know of a comprehensive listing source for all Denali-related lodging? I...
by nirvines88
Sun Apr 20, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Last Minute Denali Trip - Where to find lodging?!
Replies: 13
Views: 1193

Re: What age did you reach 100K networth?

Late last year at age 25. I make less than 40k a year as a teacher. I used a 401k from age 16 and on. I also maxed out a Roth IRA from age 21 and on. I was lucky to have college taken care of by parents. I expect I'll pass the 100k mark again in the future, whether it's due to a bear market or buyin...
by nirvines88
Sat Mar 29, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 33683

Re: Should you discuss your wages with your peers?

I'm a public school teacher, which means public disclosure of salary, so my friends and co-workers know I make less than 40k.
by nirvines88
Sat Mar 15, 2014 7:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 6842

Re: Roku - Does everything cost $$?

PBS, Pandora, Crackle, ESPN (if you have a friend with cable and is willing to log in for you) are my favorite free ones.

Netflix (subscription) and Amazon Prime (subscription) are great too.
by nirvines88
Tue Feb 25, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Roku - Does everything cost $$?
Replies: 22
Views: 3116

Re: Favorite National Parks

pinecrest wrote:* Denali National Park and Preserve, Alaska


Any recommendations on what to do in Denali National Park and Preserve? May get a chance to go this summer (mid-July).
by nirvines88
Sun Jan 26, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 74
Views: 3244

Re: Dating - Best Way of Meeting People

You're barking mad if you think you'll get sage advice here. Pick lines like "what's your asset allocation? Mine is 60/40" and "You're so hot. If your portfolio had any lower of an expense ratio, you'd start a fire in here" don't work very well at the Westchester dog show. Even ...
by nirvines88
Thu Jan 23, 2014 12:59 am
 
Forum: Personal Consumer Issues
Topic: Dating - Best Way of Meeting People
Replies: 70
Views: 4042

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy birthday!!!
by nirvines88
Wed Jan 22, 2014 9:00 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 22035

Re: Low Income, High Net Worth - Stories Of

I make 38k/year as a public school teacher. I spend approximately 1/3 of that per year and save the rest. I still travel a few times per year, go out whenever I want, buy what I need, etc. If I ever felt like I was restricting myself by saving too much, I would cut back on the saving and ramp up th...
by nirvines88
Tue Jan 21, 2014 1:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 12326

Re: Low Income, High Net Worth - Stories Of

I make 38k/year as a public school teacher. I spend approximately 1/3 of that per year and save the rest. I still travel a few times per year, go out whenever I want, buy what I need, etc. If I ever felt like I was restricting myself by saving too much, I would cut back on the saving and ramp up the...
by nirvines88
Mon Jan 20, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 12326

Re: First Speeding Ticket: What Would You Do?

I vote for lawyer, those insurance premiums are awful!
by nirvines88
Sat Jan 18, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: First Speeding Ticket: What Would You Do?
Replies: 72
Views: 4383

Re: Am I using my taxable account for the right reasons?

Also I don't really understand the difference between ETFs and mutual funds. I see that a lot of funds on Vanguard have ETF equivalents and they usually have lower expense ratios. Does that mean it is ALWAYS a better choice to go the ETF route? I prefer mutual funds, but see these links and decide ...
by nirvines88
Wed Jan 08, 2014 12:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I using my taxable account for the right reasons?
Replies: 4
Views: 493

Re: How much did your credit card rewards cost you in 2013?

For 5% gas rewards : Don't spend anymore than I normally would, kinda hard to fill up more than my gas tank can hold. Definitely doesn't cause me to drive more! For 6% grocery rewards : I'm pretty sure it has some kind of impact, although I eat everything I buy, so it could be worse For 5% rotating...
by nirvines88
Sat Jan 04, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 6206

Re: Bogleheads 2014 Hedge fund contest

Give Me Your (Free) Lunch Money

Long
JCP (J.C. Penney Co Inc.)
PM (Philip Morris Intl)

Short
AVHI (A V Homes Inc.)
NFLX (Netflix)
by nirvines88
Tue Dec 31, 2013 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 152
Views: 11960

Re: Sell before or after dividend?

Thanks for the feedback everyone. I pulled the trigger and exchanged today. One step closer to simplicity!

It had about $900 in capital gains on a ~$2500 investment. One of my best performers over the last couple years!
by nirvines88
Wed Dec 11, 2013 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell before or after dividend?
Replies: 9
Views: 1106

Sell before or after dividend?

In a taxable account, I'm planning on exchanging the proceeds from a Vanguard Target Retirement fund to Vanguard Total Stock Market (the goal being to own the underlying funds in more tax efficient locations). Would it be better to go ahead and sell it now? Or wait until after the distribution? Theo...
by nirvines88
Sun Dec 08, 2013 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Sell before or after dividend?
Replies: 9
Views: 1106

Re: Small Business Saturday - free $10 from AMEX

I plan on using mine at a local small business restaurant. I would normally spend $7-8 at this place, but I'll add a drink or a cookie to get it up to $10+ so I qualify for the credit. AmEx website has a feature that allows you to see a map of all participating stores, including food, electronics, e...
by nirvines88
Sat Nov 30, 2013 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small Business Saturday - free $10 from AMEX
Replies: 2
Views: 469

Re: New to investing, Simple IRA rollover questions.

http://www.bogleheads.org/wiki/SIMPLE_IRA I believe you have to wait 2 years before transferring out to a Traditional IRA. I suggest asking your employer if they would consider a 5304 SIMPLE, which allows you to choose a financial institution to use, as opposed to a 5305 SIMPLE, for which you must u...
by nirvines88
Tue Nov 05, 2013 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing, Simple IRA rollover questions.
Replies: 1
Views: 206

Re: Roth 401k vs Traditional 401k

I'll look into the pro rata rule and decide whether to convert a bit of my traditional rollover IRA in order to get NC's preferable treatment of Traditional IRAs. If the pro rate rule is too annoying in terms of tax liability, I'll probably just wait until a low income year and convert then. I'm goi...
by nirvines88
Mon Oct 14, 2013 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k vs Traditional 401k
Replies: 6
Views: 692

Re: A youngster working on portfolio, help?

1. How does this look to you guys as of right now? Looks like a good plan. 2. Is opening a Roth IRA account with VanGuard my best choice because of the low expense ratios/fees Most here, including myself, would say yes. I still have an incredible amount of research to do, the Wiki page is doing won...
by nirvines88
Mon Oct 07, 2013 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: A youngster working on portfolio, help?
Replies: 10
Views: 1187

Re: If 457(b) and 401(k) are both offered, prefer which?

Thanks to all. I've enrolled in my employer's 457b plan and am now directing 100% of future contributions to it rather than the 401k. If anyone is in the State of NC's 401k and/or 457b plans (Prudential unfortunately rather than VG), I'd be interested in hearing your thoughts on the Fixed Income fu...
by nirvines88
Sun Oct 06, 2013 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: If 457(b) and 401(k) are both offered, prefer which?
Replies: 21
Views: 2399

Re: Roth 401k vs Traditional 401k

Don't confuse AGI and taxable income. The $10,000 combined personal exemption and standard deduction don't reduce AGI. Ahh oops! Thanks for the heads up. This means I am unlikely to qualify for the Earned Income Tax Credit then. The only way I can see you getting your AGI under $20,000 this year is...
by nirvines88
Sun Oct 06, 2013 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k vs Traditional 401k
Replies: 6
Views: 692

Roth 401k vs Traditional 401k

Trying to figure out whether to use Roth 401k or Traditional 401k for the remainder of 2013. I just got a new job that offers both. Here's my situation: 2013 income is ~40,000. I maxed out pre-tax SIMPLE IRA ($12,000) for 2013 at previous job. I also have already maxed out a Roth IRA for 2013. I wil...
by nirvines88
Sat Oct 05, 2013 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k vs Traditional 401k
Replies: 6
Views: 692

Re: Mouse in House

A timely thread - I've caught 6 mice in the last 2 days. Before this, I had never seen a mouse in my house in my life. It may be because a construction company just clear cut a nearby forest.

Scary how quickly and how often mice can reproduce...4 of the 6 were babies. They get EVERYWHERE!
by nirvines88
Wed Oct 02, 2013 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Mouse in House
Replies: 50
Views: 3308

Re: Young Guys [and Gals] Making Good Money

I must have screwed something up - since I might be the only person with a low wage (<40k) job with lots of hours (average 60+)!
by nirvines88
Wed Sep 25, 2013 12:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 23248

Re: Laptop Dead After 2.5 years

FYI I received a check from Discover for about half the laptop's initial value (~$170). This was the estimated cost of the piece that was at fault. However, the tech guys told me that even if this part is replaced, it may not be a cure all because other parts are likely messed up as well. I will be ...
by nirvines88
Sat Sep 21, 2013 11:07 am
 
Forum: Personal Consumer Issues
Topic: Laptop Dead After 2.5 years
Replies: 87
Views: 6262

Re: Portfolio Reassessment

Still have another week or so before I can sign up for my retirement plan. If I plan on retiring early, should I go with the 457?! Also, any answers to original questions would be appreciated :happy
by nirvines88
Wed Sep 18, 2013 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reassessment
Replies: 5
Views: 819

Re: Costs are out of control!!! 401(k) Committee

If it's a small enough company, consider looking up information about the SIMPLE IRA.
by nirvines88
Tue Sep 10, 2013 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costs are out of control!!! 401(k) Committee
Replies: 43
Views: 3790

Re: Laptop Dead After 2.5 years

The only thing I'm wondering about is this warranty link doesn't specifically say my model type or number anywhere. Would Compaq/HP just use a generic manufacturer's warranty form and use it with lots of different types of laptops? Absolutely. Take a look at other electronics, like cameras or stere...
by nirvines88
Mon Sep 09, 2013 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Laptop Dead After 2.5 years
Replies: 87
Views: 6262

Re: Portfolio Reassessment

The 457 plan might be a better choice than the 401K -- it allows you to withdraw penalty-free at any age once you've left the job. Ah did not know that. There is a 457 and 457 Roth option. The 457 has the same fund selection as the 401k above. Is it just non-governmental 457s that people say are ri...
by nirvines88
Mon Sep 09, 2013 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reassessment
Replies: 5
Views: 819

Re: Portfolio Reassessment

I suspect the 7% state income tax at your income level is higher than in most states -- if you use the non-Roth investment and retire in a different state you would never be paying the high state income tax. Anything's possible, but I imagine I'll be here for the rest of my life. As (presumably) a ...
by nirvines88
Mon Sep 09, 2013 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reassessment
Replies: 5
Views: 819

Re: Laptop Dead After 2.5 years

May have found one from this website: http://www.manualslib.com/download/434605/Compaq-Presario-Cq62-300-Notebook-Pc.html or pdf: http://data.manualslib.com/pdf2/44/4347/434605-compaq/presario_cq62300__notebook_pc.pdf?11335a46fe52cf87191fd237075e3651 !!! The only thing I'm wondering about is this wa...
by nirvines88
Mon Sep 09, 2013 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Laptop Dead After 2.5 years
Replies: 87
Views: 6262

Re: Laptop Dead After 2.5 years

I assumed you've tried google? The trick is getting the keywords right. Try "(laptop brand) (model) manual users guide warranty" - insert the brand and model. I did some pretty extensive Googling a couple of weeks back. I just tried "Compaq cq62 manual users guide warranty" and ...
by nirvines88
Mon Sep 09, 2013 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Laptop Dead After 2.5 years
Replies: 87
Views: 6262

Re: Laptop Dead After 2.5 years

LadyGeek wrote:^^^ Check the user's manual; warranty information is usually included.


My user guide is apparently ON the computer :oops:

Wonder if there's any other way I can get the manufacturer's warranty. I only have 6 more days to get all this stuff in before the extended warranty claim period closes!
by nirvines88
Mon Sep 09, 2013 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Laptop Dead After 2.5 years
Replies: 87
Views: 6262

Portfolio Reassessment

First off, I'd like to thank the Bogleheads for helping me learn so much over the last few years! A special thanks to the Bogleheads that helped me a couple years ago and helped me get to this point. Prior post here: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=87830 Any general feedback ...
by nirvines88
Sun Sep 08, 2013 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reassessment
Replies: 5
Views: 819

Re: Laptop Dead After 2.5 years

So the credit card company wants the original manufacturer's warranty for my laptop...any ideas on where I could find that?! I'm pretty good about keeping paperwork, but can't find this for some reason... Any place to find it online? Get the exact model number of the laptop, and then email manufact...
by nirvines88
Sat Sep 07, 2013 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Laptop Dead After 2.5 years
Replies: 87
Views: 6262

Re: Simple IRA offered by new employer

IRA, HSA, FSA, I-bonds, EE bonds, 529s, and I'm sure there's others I'm forgetting!
by nirvines88
Mon Sep 02, 2013 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simple IRA offered by new employer
Replies: 9
Views: 621

Re: Laptop Dead After 2.5 years

So the credit card company wants the original manufacturer's warranty for my laptop...any ideas on where I could find that?! I'm pretty good about keeping paperwork, but can't find this for some reason... Any place to find it online?
by nirvines88
Tue Aug 27, 2013 6:10 am
 
Forum: Personal Consumer Issues
Topic: Laptop Dead After 2.5 years
Replies: 87
Views: 6262

Re: Laptop Dead After 2.5 years

UPDATE: Discover wants the following stuff to begin their review to determine if I'm eligible: -Claim Form. Signed by Cardmember. -Discover Card billing statement showing Cardmember name, account number and transaction charge -Itemized charge receipt from retailer/other showing purchase transaction ...
by nirvines88
Wed Aug 21, 2013 7:25 am
 
Forum: Personal Consumer Issues
Topic: Laptop Dead After 2.5 years
Replies: 87
Views: 6262

Re: Laptop Dead After 2.5 years

Just called Discover credit card company. They extend warranties by one year. I bought a 24 month warranty that ended in September 2012, so I have a little less than one month to file a claim. I have to call back M-F to talk to a claims officer, but the lady I talked to today made it sound like I wo...
by nirvines88
Sun Aug 18, 2013 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Laptop Dead After 2.5 years
Replies: 87
Views: 6262

Re: Best online values for new laptops?

Perhaps a combination of amazon.com and camelcamelcamel.com
by nirvines88
Fri Aug 16, 2013 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Best online values for new laptops?
Replies: 18
Views: 1732

Re: Young and Green: How often should I check my investments

I was in your shoes 2 years ago - a beginning investor, following the movements daily, agonizing over whether to invest today or tomorrow,and wondering whether I made the right decision to invest my hard earned money. My investments in total market index mutual funds were down nearly 10% at one poin...
by nirvines88
Fri Aug 16, 2013 7:25 am
 
Forum: Investing - Theory, News & General
Topic: Young and Green: How often should I check my investments?
Replies: 29
Views: 2039

Re: Laptop Dead After 2.5 years

Thanks for the responses everyone! My responses to your responses: Sounds like you are saying the warranty was for two years. If that is the case, did you pay for it fully with a single credit card? If so, check to see if that card has a warranty extension on it. Most cards will double the warranty,...
by nirvines88
Thu Aug 15, 2013 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Laptop Dead After 2.5 years
Replies: 87
Views: 6262
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