Search found 160 matches

by slow n steady
Fri Aug 28, 2015 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Bad 403b vs Taxable in 15% bracket
Replies: 8
Views: 416

Re: Bad 403b vs Taxable in 15% bracket

If your wife stays 30 years in this job, the 403(b) fees will eat up any benefit; how likely is that? If she stays only 20 years, the 403(b) may still come out ahead. You will pay only state tax on qualified dividends in a taxable stock fund while you stay in the 15% bracket, but you expect to move...
by slow n steady
Fri Aug 28, 2015 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Bad 403b vs Taxable in 15% bracket
Replies: 8
Views: 416

Re: Bad 403b vs Taxable in 15% bracket

When you see a Vanguard fund with that kind of ER, it usually means the administrative fees have been tacked on. When it's done that way at least you know the fees. If this is what's happening, then the fees are pretty average for a 403b. Most plans hide the fees, in which case you would see low ER...
by slow n steady
Fri Aug 28, 2015 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: I have a Confession...Dave Ramsey...Help!
Replies: 70
Views: 7861

Re: I have a Confession...Dave Ramsey...Help!

I think he says you shouldn't buy rentals until step 7 and then you can only use cash. Better get your rentals ready for sale. I wouldn't tell your coworkers your newborn philosophy. Dave's steps are great for someone deep in consumer debt. I started off hardcore Dave but slowly evolved to where I a...
by slow n steady
Fri Aug 28, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bad 403b vs Taxable in 15% bracket
Replies: 8
Views: 416

Re: Bad 403b vs Taxable in 15% bracket

Those are really awful options. Without a match I'd have a hard time contributing. Seems like you're better off funding your (his) plans, individual Roths, and keeping funds in taxable. I know she's brand new at her job, but perhaps in time she can weigh in on the unattractiveness of this defined c...
by slow n steady
Fri Aug 28, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Bad 403b vs Taxable in 15% bracket
Replies: 8
Views: 416

Re: Bad 403b vs Taxable in 15% bracket

Hello SnS, are you 100% sure that your spouse has no access to a 457 plan in Kansas, like http://www.kpers.org/kpers457.html ? Is there a Stable Value Fund in your spouse's 403 plan? She's actually a nurse, not a teacher. She does have a 457 but can only add money to it when she maxes out the 403b....
by slow n steady
Fri Aug 28, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bad 403b vs Taxable in 15% bracket
Replies: 8
Views: 416

Bad 403b vs Taxable in 15% bracket

Emergency funds: 6-12 months Debt: Mortgage-170k, 14 years left on 15 year fixed at 2.75% Tax Filing Status: Married Filing Jointly Tax Rate: 15% Federal, ~5% State State of Residence:KS Age:Average age of 27 Desired Asset allocation: 75% stocks / 25% bonds Desired International allocation: 33% of s...
by slow n steady
Mon Aug 03, 2015 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Card
Replies: 9
Views: 1127

Re: Cash Back Credit Card

You can also open a Discover Miles card that gives you 1.5 "miles" for every dollar spent. These miles can be taken as cashback as well. For the first year that the card is open, they will double all of the miles you've earned, making this card a 3% cashback card for the first year. It's a...
by slow n steady
Wed Jul 15, 2015 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use Mint.com?
Replies: 26
Views: 2923

Re: Do you use Mint.com?

chapstick wrote:
My only complaint about Mint is that although it's great for tracking/retrospective, it's not great for budgeting/prospective.


Which is where YNAB (You Need a Budget) steps in and dominates.


BTW-I love the old thread resurrections.
by slow n steady
Fri Jul 10, 2015 1:44 pm
Forum: Personal Consumer Issues
Topic: Bogleheads -"Raybo" knows Alcatraz! Bo knows football.
Replies: 9
Views: 1072

Re: Bogleheads -"Raybo" knows Alcatraz! Bo knows football.

Raybo gave my family an amazing tour this Monday. We spent half of our time in places that most visitors couldn't go, which was fantastic!

Thanks Raybo!



gnosttam: Earlier this week, I believe a sign said they were sold out until August 4th. You really have to sign up early if you want tickets.
by slow n steady
Wed Jul 08, 2015 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: NYSE trading halted [for more than 3 hours]
Replies: 32
Views: 3112

Re: NYSE trading halted

goingup wrote:
jebmke wrote:Must be moving their data on United Airlines.

that's funny!

Not if you were in the line I was in this morning.
by slow n steady
Sun Jun 21, 2015 4:07 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24948

Re: When saving money becomes an irrational obsession

I think we see more than one of these here on BH. Like the person that has pensions and SS covering 100% of their yearly expenses AND has a 7-figure portfolio to boot and is worried if they can retire. Heck, I'm planning on being in that position when I retire. In my plans it doesn't have me worryi...
by slow n steady
Fri May 29, 2015 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Regular or Roth 457?
Replies: 16
Views: 1052

Re: Regular or Roth 457?

It sounds like you are going to be in the 28% tax bracket pretty much no matter what in retirement. This makes me lean towards all Roth in your 457. I am in a similar situation, but my numbers are half as much. :P My dividing line is the 15%/25% bracket. I know for sure I will be in the 15% bracket ...
by slow n steady
Mon May 25, 2015 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: YNAB a good subsitute for Quicken?
Replies: 43
Views: 5358

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: 2773

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: 43
Views: 5358

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: 55
Views: 6047

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: 5170

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: 521

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: 2417

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: 1912

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: 2460

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: 914

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: 1356

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: 838

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: 2798

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: 4641

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: 760

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: 1551

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: 570

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: 2265

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: 984

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: 4970

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: 2265

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: 3209

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: 34
Views: 5046

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: 5275

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: 973

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: 8850

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: 8850

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: 10986

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: 3799

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: 8850

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: 8850

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: 1713

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: 1535

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: 1174

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: 3258

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: 2261

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: 5032

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...

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