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by slow n steady
Mon May 25, 2015 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: YNAB a good subsitute for Quicken?
Replies: 23
Views: 2052

Re: YNAB a good subsitute for Quicken?

I use mint with ynab. Mint is useless except to instantly see all my transactions in real time. I have all my bills and investment accounts linked to mint. Ynab is the real and only tool I need and use. Mint shows you when you screwed up your budget, ynab prevents a screwup. This is exactly what I ...
by slow n steady
Sun May 17, 2015 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Checking
Replies: 23
Views: 2253

Re: Capital One 360 Checking

I have had 360 checking and now I have Ally. I prefer Ally because of the higher rate.
by slow n steady
Wed May 13, 2015 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: YNAB a good subsitute for Quicken?
Replies: 23
Views: 2052

Re: YNAB a good subsitute for Quicken?

I use mint with ynab. Mint is useless except to instantly see all my transactions in real time. I have all my bills and investment accounts linked to mint. Ynab is the real and only tool I need and use. Mint shows you when you screwed up your budget, ynab prevents a screwup. This is exactly what I ...
by slow n steady
Sat May 02, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 3995

Re: Best Chromebook 2015

Toshiba Chromebook 2.

Love it.
by slow n steady
Thu Apr 16, 2015 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to NOT have significant taxable investments?
Replies: 48
Views: 4813

Re: Is it ok to NOT have significant taxable investments?

Maybe I missed it in the thread, but has anyone mentioned the 5 year Roth Pipeline strategy? https://www.kitces.com/blog/understanding-the-two-5-year-rules-for-roth-ira-contributions-and-conversions/ You can get access to 401(k) money at any age without the 10% penalty, taxed at regular income tax ...
by slow n steady
Mon Apr 13, 2015 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: pay for insurance pre-tax or post-tax?; Roth 401k question
Replies: 3
Views: 474

Re: pay for insurance pre-tax or post-tax?; Roth 401k questi

Welcome!! I am mostly answering to bump your question up because I am not sure my answers are correct. But, that's never stopped me in the past. You sound like you are doing a fantastic job of saving and that is more than half the battle. 1. To be honest this question doesn't make sense to me. You p...
by slow n steady
Thu Apr 09, 2015 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: how to avoid $75k AMT tax hit next year?
Replies: 12
Views: 2199

Re: how to avoid $75k ATM tax hit next year?

I would just go into the bank and get the cash. How many times a day do you have to take cash from the ATM? Exactly what type of business was this anyways? :D
by slow n steady
Wed Apr 08, 2015 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for retirement to supplement a pension
Replies: 16
Views: 1768

Re: Saving for retirement to supplement a pension

I am close in age to your son and I think he should probably be saving more that 15% whichever way he calculates it.

Sidenote: 7.5 years between posts! And I thought I didn't post very much...
by slow n steady
Sun Apr 05, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: smartphones
Replies: 24
Views: 1920

Re: smartphones

I have another post on it, but if you're lucky enough to have good overall service in your area, Republic Wireless offers solid wireless and cell service for $25 (3G) or $40 per month, unlimited (with high-usage throttling), which is as low as I've seen it for unlimited plans. I'm using the $25 pla...
by slow n steady
Sun Mar 29, 2015 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: sign up for another credit card ?
Replies: 6
Views: 875

Re: sign up for another credit card ?

I would. I almost pulled the trigger the other day on a $100 offer but haven't done it yet. I still might not. I would definitely do it for $200. If there is no annual fee I would get the bonus, sock drawer the card, and pull it out once a year and buy something with it so they don't shut it down.
by slow n steady
Fri Mar 20, 2015 5:05 am
Forum: Personal Consumer Issues
Topic: need new computer
Replies: 13
Views: 1222

Re: need new computer

You should really consider a chromebook. Just realize it's an internet only laptop, which sounds like all you need. They're cheaper, and faster for the things you use a computer for. I want the Toshiba Chromebook 2. Check it out. http://www.amazon.com/Toshiba-CB35-B3340-13-3-Inch-Chromebook-Full-HD...
by slow n steady
Fri Mar 20, 2015 4:56 am
Forum: Personal Finance (Not Investing)
Topic: Term Insurance Shopping - Local Agent vs. Online?
Replies: 8
Views: 759

Re: Term Insurance Shopping - Local Agent vs. Online?

I used a local agent and am glad I did. We only talked on the phone and he sent me all the stuff to fill out. I made sure to shop around at term4sale.com to make sure I was getting a good quote. It was nice to have the agent know which companies are better or worse for certain problems (family histo...
by slow n steady
Wed Mar 04, 2015 3:42 am
Forum: Personal Finance (Not Investing)
Topic: How to get started on a Trust/Will?
Replies: 27
Views: 2483

Re: How to get started on a Trust/Will?

oneleaf, Congrats on your first child. I feel like I could have written this post myself. Our first (also a girl) is due in a month and I am finally getting this stuff figured out. My numbers are also eerily close to yours. I don't have any great answers for you, but the lawyer who you end up using ...
by slow n steady
Mon Mar 02, 2015 8:32 pm
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 4291

Re: Retiree Poll: Satisfaction with retirement

AAA wrote:As today is my first day of retirement, I don't have an opinion yet. :happy


Congrats!!! Enjoy frolicking in the fields, I'll be watching for a while from my window :annoyed
by slow n steady
Wed Feb 18, 2015 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Admin has my birthdate wrong
Replies: 6
Views: 703

Re: Social Security Admin has my birthdate wrong

This happened to my daughter. The hospital entered the wrong date of birth (we had twins born on different days). I brought her corrected birth certificate, and her health insurance card(but they didn't need it). Along with this form: http://www.socialsecurity.gov/forms/ss-5.pdf They ended up just ...
by slow n steady
Sat Feb 07, 2015 8:13 am
Forum: Investing - Help with Personal Investments
Topic: First job, first everything
Replies: 23
Views: 1408

Re: First job, first everything

I'm only a little bit older than you, but I remember feeling like I didn't know anything. I would get a tight feeling in my chest because I thought I was going to screw everything up. Now, I have complete control of my finances and don't stress about them at all. You are way ahead of the game alread...
by slow n steady
Sat Feb 07, 2015 7:57 am
Forum: Personal Consumer Issues
Topic: TaxACT Ultimate - $12
Replies: 2
Views: 553

Re: TaxACT Ultimate - $12

Thanks!! You saved me $6.

I had already signed up for a $18 deal, so I just signed up for this deal with a different email address.
by slow n steady
Fri Feb 06, 2015 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage refinance -- too good to be true?
Replies: 21
Views: 2185

Re: Mortgage refinance -- too good to be true?

I am refinancing at 2.75%. Shop around.
by slow n steady
Fri Feb 06, 2015 12:18 am
Forum: Personal Finance (Not Investing)
Topic: What to do with extra space in 15% bracket
Replies: 7
Views: 951

Re: What to do with extra space in 15% bracket

I would switch 10K in one of your retirement accounts from Traditional to Roth. That's what I'm doing. It can be a little difficult getting as close to the line as possible, but I figure if I within a couple grand on either side it will be ok.
by slow n steady
Tue Jan 13, 2015 1:43 am
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 4552

Re: Looking for low cost cell phone plans...

I've had good experiences with Republic wireless and PagePlus.
by slow n steady
Sun Jan 04, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Do you keep manuals/packaging for products you buy?
Replies: 34
Views: 2164

Re: Do you keep manuals/packaging for products you buy?

I've just started doing that because there have been several instances where I wish I would have. I think it depends on the price and size of the item, and how much extra room you have to store stuff like this. If you have plenty of space, I would store it for a few years. At worst, you could use th...
by slow n steady
Fri Jan 02, 2015 1:21 am
Forum: Personal Finance (Not Investing)
Topic: take pension with survivor benefits or not
Replies: 40
Views: 3112

Re: take pension with survivor benefits or not

I am 20 years from making this decision myself, but I am leaning heavily towards taking the survivor benefits. Your baseline spending is half of your pensions! I would strongly prefer when I die that my spouse doesn't feel like she just lost a lot of money and now needs to start taking money out of ...
by slow n steady
Wed Dec 24, 2014 1:50 am
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 30
Views: 4002

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

Ahem. Here is what I saw: Gross Prosp Exp Ratio 0.18% of fund assets Net Prosp Exp Ratio 0.18% of fund assets Management Fee 0.00% 12b-1 Fee . Other Fee . Miscellaneous Fee(s) 0.18% That is still 0.36. Is my math correct? Excuse me for my ignorance...isn't the Gross Prospect Exp Ratio the total exp...
by slow n steady
Mon Dec 15, 2014 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 5028

Re: Helping out family members

...If I were you, I would need to know what caused their financial problem(s).... Me too. I'd be a lot more sympathetic if it was something beyond their control than if they had mismanaged or squandered their money. Same here, but I still probably wouldn't help if they have been cruel to me in the ...
by slow n steady
Wed Dec 03, 2014 9:51 pm
Forum: Personal Consumer Issues
Topic: Home Internet Service or HotSpot
Replies: 6
Views: 932

Re: Home Internet Service or HotSpot

For a couple years my wife and I hot-spotted from our phones as our main access to Internet. We didn't spend as much time on the computer. We now have Time Warner Cable and use the Internet a lot. I do miss the simpler times but that has more to do with self discipline than which service is better f...
by slow n steady
Wed Dec 03, 2014 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8675

Re: Get up to $30 back per Amex card (Small Business Sat, 11

We have blue cash preferred with my spouse as an authorized user. Her card is issued with a different number than mine. The sign up on Small Business Sat Amex promotion made it sound to me like only my card would be usable for the promotion. I noticed from the website when I was logged out of my ac...
by slow n steady
Wed Dec 03, 2014 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8675

Re: Get up to $30 back per Amex card (Small Business Sat, 11

We have blue cash preferred with my spouse as an authorized user. Her card is issued with a different number than mine. The sign up on Small Business Sat Amex promotion made it sound to me like only my card would be usable for the promotion. I noticed from the website when I was logged out of my ac...
by slow n steady
Sun Nov 23, 2014 6:27 am
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10725

Re: What percent "Boglehead" are you?

Basically 100%, but finding this website at 22 helps with that.
by slow n steady
Sun Nov 23, 2014 4:06 am
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 3640

Re: Send text messages from PC to Cell Phone

Toons wrote:
bogleblitz wrote:
Sunny Sarkar wrote:
jebmke wrote:Google Voice

+1



+2

https://www.google.com/voice


+3 :happy


I use it all the time and it works quite well. You can also download the google voice app and send texts or call from your google voice number. I use this for listing things on craigslist among other things.
by slow n steady
Thu Nov 20, 2014 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8675

Re: Get up to $30 back per Amex card (Small Business Sat, 11

If this is promoting small businesses, why are some of the participating businesses AT&T, Hertz, Dell, etc? Does this mean I could simply pay my A&T phone bill on 11/29 to qualify? Kind of defeats the purpose of supporting small business! I believe it requires an in-store swipe to qualify, ...
by slow n steady
Wed Nov 19, 2014 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8675

Re: Get up to $30 back per Amex card (Small Business Sat, 11

I will definitely be swiping three different cards three times each on that day. Free $90, here I come!!!!
by slow n steady
Wed Nov 05, 2014 11:07 pm
Forum: Personal Consumer Issues
Topic: Anyone using Page Plus Cellular
Replies: 17
Views: 1304

Re: Anyone using Page Plus Cellular

Can anyone specifically comment on coverage with Page Plus, coming from Verizon? Verizon is by far the best coverage for me, and every time I look, I'd only save ~$12/month, and am not sure I want to take the risk of loosing out on a solid plan (grandfathered unlimited data plan with $20 discount a...
by slow n steady
Sat Oct 11, 2014 3:03 am
Forum: Personal Consumer Issues
Topic: Logic- knowledge wanted
Replies: 15
Views: 1410

Re: Logic- knowledge wanted

In a college course we used the book "Socratic Logic" by Peter Kreft. I liked the book enough that I didn't sell it when the class was over, which is pretty high praise from me.
by slow n steady
Wed Sep 03, 2014 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Contributing too much to 457?
Replies: 13
Views: 1131

Re: Contributing too much to 457?

My wife and I are roughly at the same age and income level. I am also expecting to get a hefty pension when I retire, but we are still maxing out our retirement accounts. Sometimes we are negative cash flow for the month, but it doesn't stress me out because we have a large (1 year plus) emergency f...
by slow n steady
Wed Aug 27, 2014 4:38 pm
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 3099

Re: How to safely sell a big ticket item online

as an aside, Google Voice is a great service if you need a throwaway phone number for this kind of thing +1 I have a google voice number that I use just for craigslist, and I don't sell very many items. You can change the settings to have all texts and calls be forwarded to your regular phone numbe...
by slow n steady
Sun Aug 17, 2014 8:51 pm
Forum: Personal Consumer Issues
Topic: Getting Married, traveling abroad
Replies: 25
Views: 2075

Re: Getting Married, traveling abroad

You might want to check out Airbnb for places to stay. Can get you better locations and more space for the money.

I've used it once in the US and once in India. Great experience both times.

I am planning on using it in Europe in the near future.
by slow n steady
Tue Aug 05, 2014 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 4683

Re: Should i Buy a new car

Nope. Maybe it didn't come through but it doesn't sound like you are a serious car nut. Is buying this car going to be the ultimate fulfillment for you? You have had many years of schooling and low income to get to the income level you are now at. Now you want to super-save to catch up. Do it. You d...
by slow n steady
Fri Jul 18, 2014 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: HSA woes, former employer keeps contributing
Replies: 11
Views: 1350

Re: HSA woes, former employer keeps contributing

I did a quick read through of the pertinent parts of Pub 969 and it is confusing. On page 7 under excess contributions, it appears that you will be fine as long as the employer takes out all of the extra money. But then there is a large caution sign that affects you because you are no longer on a HD...
by slow n steady
Fri Jul 18, 2014 9:53 pm
Forum: Investing - Theory, News & General
Topic: Second Largest PreK-12 School District Wins a 457b award!
Replies: 11
Views: 1020

Re: Second Largest PreK-12 School District Wins a 457b award

Wow, I was expecting to be blown away by the low ER's but I wasn't really impressed. This makes me thankful for my 457b that has Vangaurd Target Retirements, 500, mid, and small all at the same ER's that Vanguard has them at. We don't have cheap International or Total Bond but I get those in our IRA...
by slow n steady
Sun Jul 13, 2014 6:20 am
Forum: Local Chapters and Bogleheads Community
Topic: A Big Thank You After Visiting Accountant
Replies: 17
Views: 3124

Re: A Big Thank You After Visiting Accountant

Sents wrote:+1. As a young man in his mid 20's, I wholeheartedly agree.


Agreed. I am definitely a lurker but I have learned a lot from this forum.
by slow n steady
Fri Jul 04, 2014 8:22 pm
Forum: Personal Consumer Issues
Topic: Cloud Security Camera
Replies: 2
Views: 687

Re: Cloud Security Camera

I don't have any experience with security cameras but I typed "security camera" in the Google box at the top of the page and came up with several threads.
by slow n steady
Fri Jul 04, 2014 7:33 am
Forum: Personal Consumer Issues
Topic: Please Help Me Plan A Trip To Italy
Replies: 31
Views: 2543

Re: Please Help Me Plan A Trip To Italy

My wife and I are planning on going to Rome in February for 5 days. So far the list of places I want to see are: Vatican Museums St. Peter’s Basilica The Roman Forum Colosseum Pantheon Ice skating at Castel Sant’Angelo Trevi Fountain Museo E Galleria Borghese Look at airbnb.com. There are several ni...
by slow n steady
Fri Jul 04, 2014 4:57 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Chart, where are my flaws?
Replies: 14
Views: 2105

Re: Retirement Chart, where are my flaws?

I'm betting you have already been there but it sounds like mrmoneymustache.com would be perfect for you. The forums over there are good.
by slow n steady
Thu Jun 26, 2014 9:50 pm
Forum: Investing - Theory, News & General
Topic: WSJ article on ROTH 401K's vs Traditional
Replies: 48
Views: 4791

Re: WSJ article on ROTH 401K's vs Traditional

I would still recommend a Roth if you are in the 28% bracket and expect to retire in the 25% bracket, ) Or sticking with a Traditional if you are barely hitting the 25% bracket in retirement and the majority of your withdrawal is in the 15% bracket. I would roughly figure my effective tax rate on t...
by slow n steady
Mon Jun 23, 2014 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Best CC for (new) purchases
Replies: 43
Views: 41621

Re: Best CC for (new) purchases

If you really want to get in the game, sign up for several cards (and have your wife sign up for all of the same cards) and get the bonus's. Get rid of the card before the 1 year mark and you won't pay any fees for these cards. Starwood Preferred Guest by Amex: http://www262.americanexpress.com/land...
by slow n steady
Mon Jun 23, 2014 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 56
Views: 8944

Re: Anyone here use Personal Capital?

I used it and deleted it after 2 months. It has nice graphs but I just liked Mint better.
by slow n steady
Mon Jun 23, 2014 4:27 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5519

Re: Poll: Dave Ramsey - Harmful or helpful?

Helpful. I found him after trying to be sold a whole life insurance product. He was a big stepping stone on the path towards bogleheadism. I listened to him a lot a few years ago and started aggressively paying off our mortgage. It will be paid off next week (by selling our house :happy ) and I alre...
by slow n steady
Fri Jun 20, 2014 4:35 am
Forum: Investing - Help with Personal Investments
Topic: Taxable v/s pay down mortgage v/s I Savings Bonds
Replies: 9
Views: 927

Re: Taxable v/s pay down mortgage v/s I Savings Bonds

I would vote taxable. It's nice to have access to some of your money (above your EF) if it's ever needed. You are saving a great deal of money, but you can't touch most of it. That might be a good thing as well.

All of your options are good, do what feels right to you.

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