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Re: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?

I think you might have missed some numbers with the fusion. Given your inputs, the cost per year should be $3800. That will make your savings by having 2 cars disappear.

Or I could have the numbers wrong myself.
by slow n steady
Sun Apr 06, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?
Replies: 34
Views: 2508

Re: "Investing" in gift cards

I used to play those games years ago. Now I don't bother and prefer to keep everything as simple as possible. +1 Seems this is the modern version of clipping coupons? Can't see that it is really worth the time, unless you must. It can be. My wife and I signed up for a total of 17 credit cards 3-6 m...
by slow n steady
Thu Apr 03, 2014 7:19 am
 
Forum: Personal Finance (Not Investing)
Topic: "Investing" in gift cards
Replies: 32
Views: 2644

Re: Best rewards/travel credit card

I'm looking for a new credit card. I've narrowed it down to chase sapphire preferred, capital one venture, or MasterCard Barclay's arrival. I pay it off each month but want to take advantage of the miles/points. In the last few months, my wife and I have gotten all of those cards, as well as the St...
by slow n steady
Thu Mar 13, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 1935

Re: Is a 457 worth it?

This is a no brainer to me. In 5-6 years, you will have around $100,000 in this account and it will only go up. Your monthly fee adds about 20 basis points (.2) to the expense ratio. It has great options to choose from. The main reason why I would do this is because at the rate you are saving, early...
by slow n steady
Wed Mar 12, 2014 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a 457 worth it?
Replies: 15
Views: 1183

Re: Best rewards/travel credit card

I'm looking for a new credit card. I've narrowed it down to chase sapphire preferred, capital one venture, or MasterCard Barclay's arrival. I pay it off each month but want to take advantage of the miles/points. In the last few months, my wife and I have gotten all of those cards, as well as the St...
by slow n steady
Wed Mar 12, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 1935

Re: Recommended home rental sites?

I've used Airbnb twice. Once in India and the other time in Florida. Excellent experience both times.
by slow n steady
Thu Mar 06, 2014 12:21 am
 
Forum: Personal Consumer Issues
Topic: Recommended home rental sites?
Replies: 5
Views: 342

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

BrandonBogle wrote:I'm looking forward to my first BH conference and will be there solo, so I'll "feel your pain" with any other newbs to the conference.



This is my first year and I will also be going alone. It sounds like there will be several of us.
by slow n steady
Tue Mar 04, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 84
Views: 10914

Re: Purchase farmland or sell it?

Farmland where I grew up is at an all-time high. I would personally sell it.

If you inherited $300,000 in cash, would you even think about buying farmground with it? Not really the same thing but it's something to think about.
by slow n steady
Tue Mar 04, 2014 12:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchase farmland or sell it?
Replies: 33
Views: 1850

Re: Maxing 401k into the 15% bracket vs taxable

Welp, I came here hoping you guys would let me invest in taxable, left having found an additional $2,025 of tax advantaged. Honestly I feel good about prepaying 15% marginal into a Roth any day of the week. Thanks so much for the help. EDIT: I see what you're saying about the 25%. I'll need to know...
by slow n steady
Tue Feb 04, 2014 6:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k into the 15% bracket vs taxable
Replies: 16
Views: 690

Re: 25% Amica Homeowners Premium Increase

If 25% is bad... what would you say to 37% ?? That's how much of an increase my Amica HO renewal is for 2013. A WHOPPING 37%. And that's after a 12% increase in 2012. And this is for a retired individual with no dogs, no kids, low/no crime area in the outer fringes of north Kansas City, and never a...
by slow n steady
Sat Feb 01, 2014 3:11 am
 
Forum: Personal Finance (Not Investing)
Topic: 25% Amica Homeowners Premium Increase
Replies: 28
Views: 3469

Re: Extra $32,500 in Roth IRA - too good to be true?

My thought is that it's a no-brainer to contribute 6% to the Roth 401(k) (to get the match) and 19% to the after-tax. Convert regularly the after-tax contributions and earnings, and do the conversion as a Roth IRA outside the plan for greater control and better diversification. Anyone see a flaw or...
by slow n steady
Wed Jan 29, 2014 3:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Extra $32,500 in Roth IRA - too good to be true?
Replies: 159
Views: 34644

Re: Starting out and want to do it right

Questions: 1. Our asset allocation - reasonable? should we simply to fewer funds? 2. Rebalancing - this would be my first attempt at rebalancing. Suggestions on how to do this most efficiently, especially in the context of having to roll over old 401k to new 401k? 3. Want to be more aggressive payi...
by slow n steady
Fri Jan 24, 2014 2:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Physician starting out, want to do it right
Replies: 16
Views: 2025

Re: Truck/Car Envy....How do You Deal with It?

I actually scratched that particular itch today. Bought a 2 year old car off craigslist for half the price it was new. My car is 14 years old and I've had it for 9. I will probably sell it on craigslist.

I think it's just fine to upgrade once every 10 years or so.
by slow n steady
Sat Jan 18, 2014 1:23 am
 
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 4424

Re: Biggest regrets in your life in financial investment?

I am afraid I have nothing to share at the moment. Reading these posts makes me so thankful that I found the Bogleheads before I ever dipped my toe into the market. +1 I lurked here for a long time and finally registered when I was 23. I am extremely thankful for all of the excellent advice I have ...
by slow n steady
Fri Jan 17, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7196

Re: Poll: Understanding the average forum member age

I'm practically older than dirt at this point... Haha, just look at it as being very experienced in life. I'm 27, turning 28 in May and I feel like I'm "old" I've been feeling old lately as well. But then I notice that I am the 77th one to vote in this poll and I am the only one under 26 ...
by slow n steady
Sun Jan 12, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Understanding the average forum member age
Replies: 56
Views: 4832

Re: Anything else I should be doing at age 31?

Most people are happy to put away 5-10% of their income into savings. If you do so, you should have a comfortable retirement fund when you turn 65. However, if working until 65 doesn't sounds that great to you, you will need to increase your savings percentage significantly. Some people are able to...
by slow n steady
Sun Jan 12, 2014 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Anything else I should be doing at age 31?
Replies: 11
Views: 1621

Re: 35 years of SS and early retirement

Number of years into SS doesn't affect my decision to work more or less at all. I am in my mid 20's so I am planning on not receiving SS at all. I do think I will receive something, but I won't save less and plan to rely on SS as a part of my retirement income.
by slow n steady
Sun Jan 12, 2014 12:42 am
 
Forum: Personal Finance (Not Investing)
Topic: 35 years of SS and early retirement
Replies: 21
Views: 1978

Re: 35 years of SS and early retirement

No effect at all. I retired yesterday on the same day I turned 70 ½. I worked that long, at least long for many, for two reasons: I liked what I was doing, and I made over 55,000 annually only once, working from the age of fifteen, so retiring early was out of the question. (Edited for spelling.) H...
by slow n steady
Sun Jan 12, 2014 12:37 am
 
Forum: Personal Finance (Not Investing)
Topic: 35 years of SS and early retirement
Replies: 21
Views: 1978

Re: 25x expenses and early retirement

I assume 25x expenses applies for a 30 year retirement. But say you want to retire in early 50s. You have SS which comes later and a modest pension in your 60s also. How does your number or the 25x expenses rule of thumb get modified? The younger you retire the higher multiple of expenses you need....
by slow n steady
Sun Jan 12, 2014 12:33 am
 
Forum: Personal Finance (Not Investing)
Topic: 25x expenses and early retirement
Replies: 17
Views: 2398

Re: Should I stop funding my 457b?

That's a hard situation to be in. The 457 is currently less than 20% of your portfolio. If you continue to put in $17,500 for the next 12 years and it gains 7%, you would end up with around $950,000 in the 457. Obviously you wouldn't take that out in a lump sum but even spreading it out over 10 year...
by slow n steady
Wed Jan 08, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I stop funding my 457b?
Replies: 3
Views: 399

Re: Do you invest in a taxable account?

Another no, here. I have maxed my Roth the last three tax years and am on the path to max'ing my 457 this year. My budget is tight, but doable (while single at least!), but this savings rate will really help me towards an early retirement. A pension would also likely preclude me from saving any ext...
by slow n steady
Wed Jan 08, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7199

Re: Credit Card Bonuses

I did the $400 Chase Sapphire last January and just did the $400 Barclay card offer last month. Agreed, needs to be $400+ for me in cash or statement credits. If I waited for a $400 card, I'd be waiting forever. You and THY4373 are indeed very special individual. I just started playing the game and...
by slow n steady
Tue Dec 31, 2013 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4063

Re: Films on finance to influence family and friends

http://financinglife.org

Great videos to put you on the path to being a boglehead.
by slow n steady
Sat Dec 28, 2013 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Films on finance to influence family and friends
Replies: 58
Views: 2488

Re: Poll - Savings as a % of current consumption

This is the same as having a poll about % of savings of net pay. For example, someone with 50% on your poll has a 33% savings rate of net income. Someone with 200% on your poll has a 67% savings rate of net income. It's just saying a different number, but if it makes you feel better, then continue ...
by slow n steady
Fri Dec 20, 2013 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Savings as a % of current consumption
Replies: 24
Views: 1759

Re: Poll - Savings as a % of current consumption

This is the same as having a poll about % of savings of net pay. For example, someone with 50% on your poll has a 33% savings rate of net income. Someone with 200% on your poll has a 67% savings rate of net income. It's just saying a different number, but if it makes you feel better, then continue d...
by slow n steady
Thu Dec 19, 2013 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Savings as a % of current consumption
Replies: 24
Views: 1759

Re: HSA Vanguard 4 Fund Selection

blaher wrote:Hopefully someday my HSA carries over in to an IRA.


Can you explain this line further?
by slow n steady
Sun Dec 01, 2013 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Vanguard 4 Fund Selection
Replies: 6
Views: 492

Re: Inheriting an inherited IRA

I can only imagine how little the long-lasting results were considered or even foreseen when the rules were made. These stretches can last a hundred years or maybe even more if some 80 year old marries a 20 year old. The average person or even sophisticated cannot understand all of the differing ru...
by slow n steady
Wed Nov 27, 2013 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheriting an inherited IRA
Replies: 15
Views: 1312

Re: Advice for mid 30s moderate income

I can give you a general Bogleheads answer. Usually someone like Duckie will come and do this but I guess I give it a whirl. Cash-400k-50k for an emergency fund will leave you with 350k to invest (if you don't need it for a downpayment). Company Stock-50k, you didn't say if you can sell this right n...
by slow n steady
Wed Nov 13, 2013 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for mid 30s moderate income
Replies: 4
Views: 1089

Re: 22/Government Job/Need Advice

The difference is that there is a combined limit of $17,500 to a 457 whether by you or your employer or both. For people ages 50 and older, it is a combined $23,000 because of additional catchup contributions permitted by the IRS. In the case of a 401k, one can make personal contributions of up to ...
by slow n steady
Wed Nov 13, 2013 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22/Government Job/Need Advice
Replies: 13
Views: 1410

Re: Alternatives to Mint.com?

I have been using mint and personal capital. I like mint for looking at transactions and upcoming bills but I go to personal capital when I want to look at my net worth. Mint isn't very good at getting my net worth correct and putting it on nice graphs. You do have to give a phone number to personal...
by slow n steady
Tue Nov 05, 2013 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Mint.com?
Replies: 8
Views: 3187

Re: New cellphone

You will probably be happy with the new S4. I am waiting for my Samsung Note 3 to arrive. If you like a large screen, go with the note 3.
by slow n steady
Fri Oct 11, 2013 1:43 pm
 
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 3608

Re: phone upgrade- 1st smart phone

Note 3. This isn't out yet but it will be a spectacular phone. As far as I'm concerned the bigger screen the better. I currently have a Samsung galaxy s3 and my wife's iPhone 5 screen feels tiny.
by slow n steady
Sat Sep 28, 2013 3:09 pm
 
Forum: Personal Consumer Issues
Topic: phone upgrade- 1st smart phone
Replies: 23
Views: 1156

Re: 401(k) or 457? supplemental retirement (govt employer)

As long as you are not turning down matching funds in the 401(k), then it is a no brainer to go with the 457(b). K.I.S. +1 In a prior post you state that you are 43 so there is a good chance you will be changing jobs again before you are 59.5. If you leave employment you be able to access the money...
by slow n steady
Sat Sep 14, 2013 2:41 am
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) or 457? supplemental retirement (govt employer)
Replies: 6
Views: 536

Re: 529 Plan Rules Reminder

So it sounds like all that matters is that you spend more on qualified education than the EARNINGS proportion of the amount withdrawn. Thanks. I did not really understand that. And that is not correct because of the pro-ration. Huh? In your above example there wouldn't be any tax because there are ...
by slow n steady
Sat Sep 14, 2013 12:17 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 Plan Rules Reminder
Replies: 12
Views: 838

Re: Advice regarding Verizon prepaid cell phone plans

mikep wrote:Why not the 50 cent/month + 4 cent/minute verizon plan on PagePlus. take a look at http://www.kittywireless.com
I've spent about $50 total in a year and a half. Works great.


+1 on PagePlus. Works great, but you can't have the fancy phones.
by slow n steady
Sat Apr 27, 2013 8:01 am
 
Forum: Personal Consumer Issues
Topic: Advice regarding Verizon prepaid cell phone plans
Replies: 17
Views: 2027

Re: Can You Ace FINRA's Financial Literacy Quiz?

100%

Wasn't sure about the muni bonds and selling short.
by slow n steady
Fri Apr 26, 2013 8:44 am
 
Forum: Investing - Theory, News & General
Topic: Can You Ace FINRA's Financial Literacy Quiz?
Replies: 111
Views: 6053

Re: Mom demands trust be professionally managed

Folks; The additional expenses for the external manager is less than $1575 total fees for 5 years (0.07% x $450K x 5). There is no way I'd try to bulldoze my mother in law's opinions about the best place to put money for this little bit. And I'm 60 and have 30 years of investment experience. Again,...
by slow n steady
Fri Apr 26, 2013 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Mom demands trust be professionally managed
Replies: 67
Views: 4039

Re: Am I on track for early retirement?

My only comment is that since you anticipate retiring early, then I wouldn't do Roth 401(k) contributions today. After early retirement, your income will go down and you'll be able to convert some of your Traditional balances each year into Roth at a low or even zero percent tax rate. Are you talki...
by slow n steady
Sun Mar 24, 2013 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I on track for early retirement?
Replies: 25
Views: 3074

Re: HSA Fee/Return Question

I think you are double counting the fees. For the HSA bank account (not the TDA investment account) you have a monthly fee of $2.50 for balances below $3000. (= $30/yr) If you have a separate investment account with either TDA or Devenir mutual funds you have an additional $3/mo investment fee if y...
by slow n steady
Mon Feb 04, 2013 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Fee/Return Question
Replies: 6
Views: 432

Re: Using all of your savings on a first-time home down-paym

I would use all of my taxable savings, excluding my emergency fund, if I could buy a house for cash. But I wouldn't use anything from any IRAs or other retirement accounts. +1 I am young and am aggressively paying off my mortgage as quickly as possible. I am going to max out my 457B and HSA next ye...
by slow n steady
Mon Dec 31, 2012 3:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Using all of your savings on a first-time home down-payment
Replies: 26
Views: 1766

Re: Do I need roof antenna for my HDTV?

I installed my antenna on my roof last week. I am about 30 miles from the stations. I put the antenna in the attic and the reception was great sometimes and I couldn't get anything at other times so I decided to put it on the roof. I bought this antenna http://www.amazon.com/gp/product/B00741AMEC/re...
by slow n steady
Tue Dec 25, 2012 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Do I need roof antenna for my HDTV?
Replies: 32
Views: 1903

Re: Don't commit this cardinal sin of investing

larryswedroe wrote:Lazy is good as long as it's not too lazy so you don't rebalance and tax manage
Larry


That's why I feel lucky to be able to fit everything in tax advantaged accounts and have the same Vanguard Target Retirement fund throughout all accounts.
by slow n steady
Fri Dec 07, 2012 3:18 am
 
Forum: Investing - Theory, News & General
Topic: Don't commit this cardinal sin of investing
Replies: 16
Views: 2873

Re: Expense Ratios

.19% I have everything in a target retirement fund and will probably do that for most of my life.
by slow n steady
Sun Dec 02, 2012 12:41 am
 
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 4378

Re: Mom and a Roth

If she has no other income other than sharecropping and SS, she will not be able to put the money into a Roth IRA. My mother also owns some land so I have been looking into this lately. Earnings from share cropping is not considered "earned income". The upside is it's only $10, 000 so she ...
by slow n steady
Sat Nov 24, 2012 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Mom and a Roth
Replies: 5
Views: 671

Re: Where is the Munchkin Man?

Slow n Steady always enjoyed reading his posts as well. Slow n Steady had to click on a thread when he was the OP. Penny Stocks, coke cans from the vending machine, and large jugs of bleach. Those are the things that stick out when Slow n Steady thinks about the Munchkin Man. Ohh, and driving slowly...
by slow n steady
Sat Nov 24, 2012 12:18 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Where is the Munchkin Man?
Replies: 14
Views: 3419

Re: boglehead t-shirts?

I was wondering if the shirts were going to be coming off the printing press anytime soon?

I would understand if it's on hold with the annual meeting coming up, or will they start selling at the meeting?
by slow n steady
Sun Apr 01, 2012 10:19 pm
 
Forum: Personal Consumer Issues
Topic: boglehead t-shirts?
Replies: 83
Views: 6077

Re: Help for my parents

Buy the Total Money Makeover by Dave Ramsey. Your parents sound like perfect candidates. If you don't think they will read it, you could ask them if they would attend Finacial Peace University.
by slow n steady
Thu Feb 23, 2012 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for my parents
Replies: 18
Views: 1198

Re: Charitable donations for tax deductions

In one instance, I looked up what an Olympus OM-2N would sell for on E-bay: about $8. I think It'sDeductible has $100 or more for this old camera. I do realize that it's Open Hunting Season when it comes to clothing and such, so where does one draw the line on Fair Game? So you're telling my a grea...
by slow n steady
Mon Feb 20, 2012 1:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Charitable donations for tax deductions
Replies: 29
Views: 1847

Re: Solo 401k allowing after-tax contributions? (not Roth)

I don't have an answer to your question. However, you do know that with a solo 401k you can contribute both the employee's max ($17k in 2012 if you don't qualify for the senior catch up) and the employer's portion (up to a total combined of about $50k). However the employers match is limited to a p...
by slow n steady
Sun Feb 05, 2012 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k allowing after-tax contributions? (not Roth)
Replies: 24
Views: 1421
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