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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
Mon Dec 15, 2014 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4373

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 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Home Internet Service or HotSpot
Replies: 6
Views: 892

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 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: 7164

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: 7164

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 6:27 am
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 120
Views: 7618

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
Sun Nov 23, 2014 4:06 am
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 3102

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
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: 7164

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 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: 7164

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
Wed Nov 05, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Anyone using Page Plus Cellular
Replies: 17
Views: 950

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
Sat Oct 11, 2014 3:03 am
 
Forum: Personal Consumer Issues
Topic: Logic- knowledge wanted
Replies: 15
Views: 1362

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 Sep 03, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contributing too much to 457?
Replies: 13
Views: 1072

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
Wed Aug 27, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2907

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
Sun Aug 17, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Getting Married, traveling abroad
Replies: 25
Views: 1612

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
Tue Aug 05, 2014 12:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 4424

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 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA woes, former employer keeps contributing
Replies: 11
Views: 1324

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
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: 943

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
Sun Jul 13, 2014 6:20 am
 
Forum: Local Chapters and Bogleheads Community
Topic: A Big Thank You After Visiting Accountant
Replies: 17
Views: 2942

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 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Cloud Security Camera
Replies: 2
Views: 635

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 7:33 am
 
Forum: Personal Consumer Issues
Topic: Please Help Me Plan A Trip To Italy
Replies: 31
Views: 2385

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
Fri Jul 04, 2014 4:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Chart, where are my flaws?
Replies: 14
Views: 2087

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
Thu Jun 26, 2014 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ article on ROTH 401K's vs Traditional
Replies: 48
Views: 4722

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 5:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Best CC for (new) purchases
Replies: 43
Views: 41447

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 4:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 56
Views: 7271

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
Mon Jun 23, 2014 4:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5403

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.
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: 881

Re: Help with 457b or taxable account

Welcome to the forum!! Trying to bump you up. I would hate passing up tax-deferred space but wouldn't do it with those stipulations in place. Here's and answer from The White Coat Investor (Emergdoc here on Bogleheads) http://whitecoatinvestor.com/non-governmental-457-plans-friday-qa-series/ You sho...
by slow n steady
Fri May 30, 2014 1:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 457b or taxable account
Replies: 13
Views: 558

Re: Who is doing In Plan Roth conversions?

I would like to have the option in my 457b. I am young and have some in Traditional and some in Roth. I am usually in the 15% tax bracket. If I get to the point where I can max out all of my tax deferred space, I think it would make sense to start converting the Traditional to Roth as long as I stay...
by slow n steady
Fri May 23, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who is doing In Plan Roth conversions?
Replies: 41
Views: 3063

Re: How to sell lightly used phone

I sold my Verizon Note 3 a couple weeks ago on craigslist for $350. I think I could have gotten more from ebay or swappa but I didn't want to put up with the hassle.
by slow n steady
Wed May 07, 2014 4:30 am
 
Forum: Personal Consumer Issues
Topic: How to sell lightly used phone
Replies: 15
Views: 922

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 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?
Replies: 34
Views: 2959

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 6:19 am
 
Forum: Personal Finance (Not Investing)
Topic: "Investing" in gift cards
Replies: 32
Views: 2975

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 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 29
Views: 2896

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 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a 457 worth it?
Replies: 15
Views: 1487

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 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 29
Views: 2896

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
Wed Mar 05, 2014 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Recommended home rental sites?
Replies: 5
Views: 360

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 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 86
Views: 15572

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
Mon Mar 03, 2014 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchase farmland or sell it?
Replies: 34
Views: 2554

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 5:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k into the 15% bracket vs taxable
Replies: 16
Views: 860

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 2:11 am
 
Forum: Personal Finance (Not Investing)
Topic: 25% Amica Homeowners Premium Increase
Replies: 28
Views: 3835

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 2:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Extra $32,500 in Roth IRA - too good to be true?
Replies: 159
Views: 37474

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 1:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Physician starting out, want to do it right
Replies: 16
Views: 2078

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 12:23 am
 
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 5281

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 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 8360

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 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Understanding the average forum member age
Replies: 56
Views: 4982

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
Sat Jan 11, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anything else I should be doing at age 31?
Replies: 11
Views: 1685

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
Sat Jan 11, 2014 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35 years of SS and early retirement
Replies: 21
Views: 2115

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
Sat Jan 11, 2014 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35 years of SS and early retirement
Replies: 21
Views: 2115

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
Sat Jan 11, 2014 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: 25x expenses and early retirement
Replies: 17
Views: 2647

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 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I stop funding my 457b?
Replies: 3
Views: 450

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 9:05 am
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7672
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