Search found 116 matches

by stilts1007
Tue Aug 25, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Refi to rid myself of PMI
Replies: 16
Views: 1479

Re: Refi to rid myself of PMI

We refinanced a couple years ago to get rid of PMI and get a better rate (went from 30 years at 5.5% to 15 years at 3.25%). Had to put a chunk of money down ($25k) but I know we'll kinda get that money back when we sell, and with the lower premium and interest rates, our monthly payment ended up bei...
by stilts1007
Thu Jul 09, 2015 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage - 30 year or 15 year?
Replies: 56
Views: 5156

Re: Mortgage - 30 year or 15 year?

I agree, start with the 30-year mortgage..you can always pay extra principal if you want to work toward getting the loan paid off earlier. Interest on the loan is typically deductible on income taxes too. And you can always look into refinancing to a 15-year mortgage in a few years if you plan to st...
by stilts1007
Mon Jun 08, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 545
Views: 87857

Re: Boglehead Beer

A little of topic, we are starting to see so many micro breweries coming online have any of you gave a little seed monies to help a cause? I put in $20 bucks to a kickstarter-type fund to help a local brewery raise money to open up a tap room. Their beer isn't my favorite in the area (I'm blessed t...
by stilts1007
Thu Apr 30, 2015 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Casual shirts/tops for tall skinny men
Replies: 17
Views: 1408

Re: Casual shirts/tops for tall skinny men

6'8" and 200lbs here, so I feel your pain. For button-up shirts, I find Express 1-MX shirts fit me well. They are nice enough to wear with a suit and tie, but also look fine unbuttoned with jeans. They come in S-M-L-XL and they have extra slim fit sizes. Kind of expensive but I wait until they ...
by stilts1007
Thu Apr 23, 2015 7:51 am
Forum: Personal Consumer Issues
Topic: Mac computer people (or others) need your thoughts
Replies: 15
Views: 1660

Re: Mac computer people (or others) need your thoughts

I have found the google chrome browser to be better at popup-blocking than safari on my mac, I almost never have issues with popups and didn't have to download any extra apps or add-ons to get the feature. Worth a try if you are still having issues.
by stilts1007
Sat Apr 11, 2015 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Another new two comma club member
Replies: 13
Views: 1974

Re: Another new two comma club member

Congrats! Splurge on some guacamole :)
by stilts1007
Mon Mar 30, 2015 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Fiance's investments
Replies: 17
Views: 1630

Re: Moving Fiance's investments

She can transfer her current Roth IRA to Vanguard with just a little bit of paperwork, no need to take it out of a Roth just to transfer it. Expense ratios would be the same in a Roth account as a regular taxable investment account, and definitely lower than what she is paying now. If she paid fees ...
by stilts1007
Sat Mar 21, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 16042

Re: Restaurant tipping

I agree with others on here, I will leave 20% or a little more for great service, especially at a little less expensive place, and between 15-20% whatever number is easy to calculate, for average service. I don't think leaving a crappy tip necessarily sends a message, other than the server thinking ...
by stilts1007
Mon Mar 02, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 5097

Re: Oil & Vinegar

+1 suggestion of making your own, it is easier and way cheaper, and you know exactly what is going into it. For olive oil, we have tried a bunch and have mostly settled on the Trader Joe's Extra Virgin California Estate olive oil. Tastes as good as other more expensive oils, and while not great for ...
by stilts1007
Sun Mar 01, 2015 10:52 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 12805

Re: What video games are you currently playing?

For anyone who sees video gaming as a sedentary, antisocial activity that takes players out of the real world and has no redeeming value, I would invite you to check out Ingress, free to download for Android and iOS. Built on google maps, it is part risk, part capture-the-flag, part totally unique. ...
by stilts1007
Fri Feb 20, 2015 1:04 pm
Forum: Investing - Theory, News & General
Topic: My FSA and spousal HSA
Replies: 3
Views: 430

Re: My FSA and spousal HSA

My wife and I ran into a similar situation for tax year 2013. I couldn't get anywhere with either my employer or the HSA company to get the money taken out and reclassified. My wife's employer confirmed the FSA was not "self-only" and could not be made "self-only" so that wasn't ...
by stilts1007
Sat Feb 14, 2015 10:58 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 545
Views: 87857

Re: Boglehead Beer

Jpg wrote:Great Lakes Dortmunder Gold (Cleveland)

Great Lakes makes a ton of great beer, their Edmund Fitzgerald Porter is widely considered one of the best porters around. And since this is Bogleheads, I should point out that their beer is pretty reasonably priced as far as craft beer goes...
by stilts1007
Sat Feb 07, 2015 1:28 am
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 9991

Re: How to make this fair: gifting to kids with different me

I would think about it as a "want" vs "need thing too..If child A is doing fine while child B is struggling to make ends meet for his/her family, then some extra money child B's way is fine, and I would hope that child A would, in the spirit of sibling-ship, be OK with that. If you ar...
by stilts1007
Wed Feb 04, 2015 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Complete and utter newbie wanting direction...
Replies: 28
Views: 2092

Re: Complete and utter newbie wanting direction...

People on the forum much smarter than I will likely jump in here, but I'll do what I can to get you started. First of all, welcome. The fact that you're here means you've already taken an important step in deciding to get started figuring all this out. As far as planning goes, I'd encourage you to d...
by stilts1007
Wed Jan 21, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 545
Views: 87857

Re: Boglehead Beer

My current favorite is Deschutes Fresh Squeezed IPA. They honor the Mosaic and Citra hops. And I can grab a 6 pack while grocery shopping, but it's not the cheapest at $10. Fresh Squeezed is a great IPA and not all that pricey for the style of beer. It's a good recommendation for people who think I...
by stilts1007
Wed Jan 21, 2015 2:21 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 545
Views: 87857

Re: Boglehead Beer

Somewhat related, Founder's KBS (Kentucky Breakfast Stout) is on my bucket list. Haven't seen it anywhere (has it been retired?), so I may have to make a pilgrimage to the brewery for that. Kentucky Breakfast Stout is the bourbon-barrel-aged version of Founders Breakfast Stout and is usually releas...
by stilts1007
Wed Jan 21, 2015 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any care required for gold coin?
Replies: 10
Views: 958

Re: Any care required for gold coin?

However (see warning about theft above), if needed you can dissolve the coin in aqua regia to hide it and get the elemental gold back out later. Some Nobel prizes were "hidden" this way to prevent confiscation by the Nazis. Let's hope it doesn't come to that. When the zombies come I don't...
by stilts1007
Wed Jan 21, 2015 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Any care required for gold coin?
Replies: 10
Views: 958

Re: Any care required for gold coin?

Thanks all for the helpful responses. I'll look into getting a cheap durable case to switch it into next time I visit the safe deposit box. Was glad too to hear that others have passed down gold coins as keepsakes and have enjoyed them for sentimental as well as financial reasons. I don't plan to ac...
by stilts1007
Wed Jan 21, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 545
Views: 87857

Re: Boglehead Beer

That is until Beeradvocate and Untapped developed mobile applications. The former is a good resource for assessing beer prior to purchase (e.g., how is it rated within it's style category) and the latter good for tracking beers you've tried (was it 5 out of 5, or 1 out of 5 in terms of taste). I se...
by stilts1007
Wed Jan 21, 2015 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Any care required for gold coin?
Replies: 10
Views: 958

Any care required for gold coin?

I recently purchased a 2014 1oz Gold Eagle, predominantly as a keepsake to one day give to my newborn daughter. The plan is to put it in the safe deposit box and never really do much with it after that. It came in a basic vinyl protective case from APMEX. Am I OK just leaving it in that case, and is...
by stilts1007
Wed Jan 14, 2015 12:51 am
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead handle stock options?
Replies: 27
Views: 2111

Re: How does a Boglehead handle stock options?

If the company you work for tanks, not only will you be out those options but the very real possibility exists that you may be out of a job. That's a big reason few in this forum would advocate holding onto the options; you already have a lot invested in your company in terms of income stream, why r...
by stilts1007
Wed Jan 14, 2015 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Invitation for a Visa Black Card
Replies: 18
Views: 2830

Re: Invitation for a Visa Black Card

My wife and I have been married for over 5 years now and she still gets at least 1 piece of junk mail per week about wedding crap. Apparently once it gets turned on it doesn't get turned off very quickly. So, don't be surprised if this is the first of many pieces of luxurious-looking junk mail you r...
by stilts1007
Mon Jan 12, 2015 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Getting out of Edward Jones ...
Replies: 25
Views: 2926

Re: Getting out of Edward Jones ...

''there's always money in the banana stand.."
by stilts1007
Mon Jan 05, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 21711

Re: WHY is retirement enjoyable / something to look forward

cfs wrote:"I am the unwilling, led by the unqualified, doing the impossible, for the ungrateful."


Never heard my job summed up so succinctly.
by stilts1007
Tue Dec 30, 2014 1:17 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 545
Views: 87857

Re: Boglehead Beer

Those 12%'ers knock me out if I'm not careful, and that's not the goal. The regular Aventinus is a pretty strong beer itself, coming in at around 8% ABV if I recall correctly. Cheers to you if you can throw more than 1 or 2 of those back in a night, sounds like a party to me :) Weizenbock beers lik...
by stilts1007
Sun Dec 28, 2014 12:36 am
Forum: Personal Consumer Issues
Topic: Home Brewing Beer
Replies: 12
Views: 2197

Re: Home Brewing Beer

I homebrew 3 or 4 times a year with a friend, and had looked into the picobrew when I first heard of it (I live in a condo, which makes traditional homebrewing tough for a number of reasons). Playing around with it definitely seems like it could be a good time. For me though, part of the fun of home...
by stilts1007
Mon Dec 08, 2014 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Question On Medicare Part D "Doughnut Hole"
Replies: 4
Views: 441

Re: Question On Medicare Part D "Doughnut Hole"

The amount YOU will pay for drugs on any tier will depend on the plan you choose, but no matter what, it's the Total Drug Cost (what you pay + what insurance pays) that determines when you get into and out of the donut hole. So if you're on an expensive medication or medications (tier 4 drugs typica...
by stilts1007
Fri Nov 14, 2014 12:01 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 545
Views: 87857

Re: Boglehead Beer

As far as the proper "category" for beers like Lil Sumpin Sumpin, beers are categorized first on the type of malted grain used. Beers categorized as American Wheat Ales use a large proportion of wheat malt (often 50% or more, although it is not a legal requirement as it is in Germany). Ame...
by stilts1007
Mon Sep 29, 2014 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Protection from a market crash
Replies: 17
Views: 1784

Re: Protection from a market crash

Also, why wouldn't money market funds work? You mention bonds, but I haven't seen money markets mentioned. Money market funds & stable value funds would both provide a very low level of income while being relatively safe from market swings. They also don't provide nearly the level of return tha...
by stilts1007
Wed Apr 30, 2014 7:14 pm
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 66
Views: 15699

Re: I need a new coffee maker, any recommendations?

And I've never really liked coffee from the Keurig. I have tried it. We bought the make-your-own-K-cup attachment to go with our Keurig brewer (no idea what it's actually called), where you can add your own ground coffee to a reusable filter and use that in your Keurig machine. I think the coffee c...
by stilts1007
Sat Apr 26, 2014 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: 30yo, just married, need some guidance
Replies: 24
Views: 4977

Re: 30yo, just married, need some guidance

With regard to life insurance, the odds of you dying ARE very low (assuming you are healthy), which is why insurance would be very inexpensive. In the extremely unlikely even that something should happen to you, your wife likely doesn't make enough money to continue making mortgage payments long ter...
by stilts1007
Sun Apr 20, 2014 11:48 pm
Forum: Investing - Theory, News & General
Topic: Northwestern mutual
Replies: 20
Views: 1762

Re: Northwestern mutual

My wife and I met with them a couple years ago (pre-Boglehead days). A younger brother of a friend was doing a summer internship with NW Mutual and the meeting was sold to us ahead of time as a "practice run," just to get him some experience talking with people he was comfortable with, etc...
by stilts1007
Sun Apr 13, 2014 11:29 am
Forum: Personal Finance (Not Investing)
Topic: IL 529 question
Replies: 4
Views: 502

Re: IL 529 question

The IL 529 Plan offers some Vanguard index funds as well as some actively managed funds. Expense ratios for the index-based options are in the neighborhood of 0.20% which is a pretty good deal. Some states might have a little wider array of choices or slightly lower ERs, but if you are going to get ...
by stilts1007
Wed Mar 19, 2014 12:34 am
Forum: Investing - Help with Personal Investments
Topic: International and bond advice for young investor
Replies: 10
Views: 884

Re: International and bond advice for young investor

For most members of the forum, portfolio simplicity is a factor in deciding asset allocation, which is why most people on here would probably recommend Total International instead of Emerging Markets + Developed markets (especially if you don't have a strong reasoning for splitting them up.) In addi...
by stilts1007
Wed Mar 12, 2014 1:15 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 12805

Re: What video games are you currently playing?

I second the recommendations for the Portal games (available on xbox or PC). They are puzzle/strategy games in a different way than anything I had ever played before. My wife (a non-video-gamer) enjoyed them, too. Makes your brain think in ways it doesn't normally have to think, which can be frustra...
by stilts1007
Thu Mar 06, 2014 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: 25 - Making sure I'm on the right track
Replies: 4
Views: 945

Re: 25 - Making sure I'm on the right track

A couple comments: With regard to stock/bond split: many on the forum would say that 2/3 of your portfolio in stocks is a bit conservative. IMHO, if you have never been invested through a major stock market dip (I am guessing at age 25 you have not), it is better to start out a bit more conservative...
by stilts1007
Tue Mar 04, 2014 12:46 am
Forum: Investing - Help with Personal Investments
Topic: help with diversification. 50% company stock.
Replies: 22
Views: 1011

Re: help with diversification. 50% company stock.

One piece of general advice that is often repeated on the site here is not to buy any sort of investment vehicle unless you really understand it. It sounds like you are hear and doing lots of learning which is good, but I would advise against jumping into the put/call/shorting business unless you fu...
by stilts1007
Mon Mar 03, 2014 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Financial advisor wants me to roll a 401(k) into an IRA?
Replies: 98
Views: 8088

Re: Financial advisor wants me to roll a 401(k) into an IRA?

Looks like the only person I can trust to look out for my finances is the one typing this reply. My early experiences in adulthood with financial advisor-type people is similar to yours, I got very little education or advice on the subject at home or in school, and the first few interactions I had ...
by stilts1007
Thu Feb 06, 2014 1:04 am
Forum: Personal Finance (Not Investing)
Topic: His HSA, her FSA?
Replies: 6
Views: 543

Re: His HSA, her FSA?

Unless your wife's FSA account says it is SPECIFICALLY for her (most do not), then it would be able to be used on anyone in the family. Whether you use it on anyone besides her or not, the fact that you have the option at all is considered like you having a sort of other health care coverage in the ...
by stilts1007
Tue Jan 28, 2014 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Age minus x = stocks
Replies: 9
Views: 774

Re: Age minus x = stocks

A number of previous discussions on the topic, the most recent of which i could find is here:

http://www.bogleheads.org/forum/viewtopic.php?f=10&t=126639
by stilts1007
Tue Jan 28, 2014 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Age minus x = stocks
Replies: 9
Views: 774

Re: Age minus x = stocks

Some people actually advocate for increasing equities later on in retirement, although this would follow a gradual decrease in the decades prior.
by stilts1007
Sun Jan 26, 2014 1:07 am
Forum: Personal Consumer Issues
Topic: good coffee grinder and roaster
Replies: 19
Views: 1533

Re: good coffee grinder and roaster

To be honest when I got my first Burr grinder it revolutionized coffee for me. I had no idea what a good grinder can do, even in a drip machine. Alright, you are officially the one who finally convinced me to break down and buy a burr grinder just now. I am holding you accountable for the outcome :)
by stilts1007
Mon Jan 20, 2014 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Near Roth IRA limit - Contribution timing question
Replies: 3
Views: 495

Re: Near Roth IRA limit - Contribution timing question

Thanks for the advice. Yes, someone is preparing my taxes for me. I was planning on doing them myself this year for the first time, but ran into some complicated HSA-FSA-related issues that I felt better having the person who had done them the past several years handle. I'd rather do a Roth if possi...
by stilts1007
Sun Jan 19, 2014 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Near Roth IRA limit - Contribution timing question
Replies: 3
Views: 495

Near Roth IRA limit - Contribution timing question

My wife and I are near the MAGI limit for contributing to Roth IRAs. I would like to try to do a backdoor Roth IRA if unable to contribute the traditional way. This involves filling out a form 8606 with my return, including the specifics of what was contributed and when. My question is, if I can't c...
by stilts1007
Sun Jan 19, 2014 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 4635

Re: POLL: Investing vs. pay down mortgage feelings

We take the "extra" money left over at the end of the month after the bills are paid, and alternate between investing and paying down the mortgage month-to-month. Easy way to split the difference.
by stilts1007
Sun Jan 19, 2014 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage early?
Replies: 1
Views: 285

Re: Pay off mortgage early?

The short answer is, it depends. See this wiki link for a brief rundown of the arguments for and against: http://www.bogleheads.org/wiki/Paying_down_loans_versus_investing The raw math of the debate would say that you are likely to make more money in the long run by investing the extra money (S&...
by stilts1007
Mon Jan 13, 2014 11:23 pm
Forum: Personal Consumer Issues
Topic: Update: Scanning 35 mm slides and film
Replies: 13
Views: 1959

Re: Update: Scanning 35 mm slides and film

I am in the middle of the process of digitizing my grandpa's and great grandpa's slide collections, mainly because my 90-yo grandpa is downsizing and has nowhere to keep all the trays. Figured it would be a fun way to at least get another look through them for him. With well over 5000 slides, I soon...
by stilts1007
Mon Jan 13, 2014 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 30316

Re: High Earners - What's Your Profession?

Another pharmacist here. Working in healthcare definitely has its drawbacks but pay and job security are tough to beat.
by stilts1007
Tue Jan 07, 2014 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: One Stock [Purchase one share for grandchild]
Replies: 23
Views: 1377

Re: One Stock [Purchase one share for grandchild]

It would be interesting to go back in time 20 years and post this question to Bogleheads readers. How many would pick the same stocks then as they would today?

Then again, one could argue that without google, how would anyone find Bogleheads?
by stilts1007
Mon Jan 06, 2014 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: 1-year BH Anniversary Portfolio Review
Replies: 5
Views: 724

Re: 1-year BH Anniversary Portfolio Review

I'm sure that some will say this is not advisable but I think it depends upon your comfort levels and methods of managing your finances. We've always viewed and managed our finances as a single pot with joint accounts except where not allowed such as 401(k)s. Sounds good. We are both comfortable wi...

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