Search found 204 matches

by ugaDAWGS09
Sun Aug 30, 2015 7:11 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 123
Views: 6855

Re: Aug 2015 correction: what Bogleheads did...

I took several BH posters advice and finally started my taxable account by purchasing 5k worth of Total Stock Market. I know it wasn't a correction, but I thought the shares seemed like a good price and I got in at the lowest point (a little luck doesn't hurt) :D
by ugaDAWGS09
Tue Aug 25, 2015 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy individual stocks or stock funds
Replies: 9
Views: 721

Should I buy individual stocks or stock funds

With this 2k point decline in the DOW, should I be looking to add any individual stocks to my portfolio? I'm talking about good name stocks with good dividends like AT&T or Pfizer, or should I just stick with total stock market funds to reduce risk/volatility? I know the total market funds are t...
by ugaDAWGS09
Tue May 12, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10838

Re: I Hate Vacations

Livesoft, did you enjoy San Francisco? My wife and I were out there last week and we loved it. The food was amazing, and we tried to hit all the tourist traps we could (why not?). We did the night Alcatraz tour last Monday night and thought it was really cool to see and hear all about the history of...
by ugaDAWGS09
Wed Apr 29, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: Need help with laptop choice
Replies: 1
Views: 362

Need help with laptop choice

I posted on here recently about looking for a laptop, and I have still been looking but haven't made a decision yet. I'm looking for a good all-around laptop with a lot of storage for videos, pictures, music, a great screen/speaker system, that runs daily functions quickly. I prefer a 15 inch Window...
by ugaDAWGS09
Wed Apr 22, 2015 6:57 am
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2073

Re: European Cruises

Thanks everyone for the advice. I've got a LOT of research to do as far as river cruises vs ocean cruises and ports of call. If we did decide to do a land based trip to see a couple towns in Italy, which two to three towns would be recommended and how much time do you think should be spent at each l...
by ugaDAWGS09
Tue Apr 21, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2073

Re: European Cruises

I would go look at Cruise Critic and ask most of your questions there. But as you seem to not have been on a cruise before and have not been to Rome, I do have some advice. Seeing Rome from a cruise ship is not a good way of seeing Rome, unless your cruise starts of finishes in Rome. The port for R...
by ugaDAWGS09
Tue Apr 21, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2073

Re: European Cruises

Mel, I've heard good things about river cruising, but that it's most suited for couples rather than families. Is that true? It seems that OP will be traveling as a couple, so that is a good fit. OP, I spent the most wonderful Christmas in Rome a few years ago. You've given me ideas now about a retu...
by ugaDAWGS09
Tue Apr 21, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Southwest Credit Card Companion Pass
Replies: 14
Views: 2215

Re: Southwest Credit Card Companion Pass

The trick goes like this: - some time very close to the end of the year, e.g., in Nov or Dec, get two southwest cards from chase, each issuing 50K bonus points on $3K spend, - satisfy the spending requirement by Jan of next year, but NOT SOONER, - thus, you have 106K points ( 50K x 2 from bonus, an...
by ugaDAWGS09
Tue Apr 21, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2073

European Cruises

Next year will be my 10th anniversary and I would like to take my wife on a European cruise. The only town I definitely want to visit is Rome, but was going to try to get some recommendations for other places that are must see. Have any of you taken a European cruise, if so, which cruise line and wh...
by ugaDAWGS09
Thu Apr 09, 2015 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Best current credit card sign-up bonus
Replies: 7
Views: 1297

Best current credit card sign-up bonus

I'm looking to buy my wife something really nice for our anniversary in June (probably diamond earrings), and figure I might as well look for a good credit card sign up bonus and take advantage of it if possible.

I currently have the Chase Sapphire preferred and Freedom cards.
by ugaDAWGS09
Thu Apr 09, 2015 5:58 pm
Forum: Investing - Theory, News & General
Topic: Is my 401k safe regardless of my company
Replies: 4
Views: 847

Is my 401k safe regardless of my company

I chose to delete the post, thanks for the info.
by ugaDAWGS09
Sat Mar 28, 2015 3:49 pm
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4853

Re: Best laptop under $1000

Any of you familiar with the hybrid SSHD drives, seems to provide a lot of storage plus quicker speeds for most commonly used applications. http://shop.lenovo.com/us/en/laptops/lenovo/flex-series/flex-2-15/?sb=:000001C9:000120A7: I've watched several speed tests and the hybrid drives come close to t...
by ugaDAWGS09
Sat Mar 28, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4853

Re: Best laptop under $1000

•Processor5th Generation Intel Core i5-5200U Processor (2.20GHz 1600MHz 3MB)•Operating systemWindows 8.1 64•Display15.6" FHD Glossy Wedge with integrated camera (1920x1080)•GraphicsIntel® HD Graphics 5500•Memory8.0GB PC3-12800 DDR3L 1600 MHz•Hard Drive1TB 5400 RPM•Optical DriveDVD Recordable•Ne...
by ugaDAWGS09
Sat Mar 28, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4853

Re: Best laptop under $1000

http://shop.lenovo.com/us/en/laptops/le ... 9:00013E20:

What's everyone's opinion on this laptop?
by ugaDAWGS09
Thu Mar 26, 2015 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ad Valorem tax on new car
Replies: 8
Views: 976

Re: Ad Valorem tax on new car

Thanks everyone for the help.
by ugaDAWGS09
Thu Mar 26, 2015 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Ad Valorem tax on new car
Replies: 8
Views: 976

Ad Valorem tax on new car

I purchased a new truck a couple weeks ago and had to pay the 7% state ad valorem tax up from when purchasing the new vehicle (new rule in Georgia). Can I deduct this on my taxes next year? I didn't know how this worked with the new rule since the taxes are paid up front at the purchase now rather t...
by ugaDAWGS09
Thu Feb 26, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: Need outside advice on new truck
Replies: 23
Views: 1556

Re: Need outside advice on new truck

I just can't make myself by a truck that's an old body style. The GMC changed it's body style in 2014, so my option is to get one new now or wait and buy a used one in a couple of years with no warranty. My Tundra is fine, but there just comes a time when I would like to have a new truck to drive. I...
by ugaDAWGS09
Thu Feb 26, 2015 8:40 am
Forum: Personal Consumer Issues
Topic: Need outside advice on new truck
Replies: 23
Views: 1556

Need outside advice on new truck

I currently drive a 2008 Tundra with about 95k miles, and I have been looking to purchase a truck. I have spoken with different dealerships and they all say once my truck hits 100k miles the value will drop a good bit for my trade in. I have always said I won't purchase another new vehicle, but have...
by ugaDAWGS09
Tue Feb 24, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 15872

Re: How much did you have saved up for retirement at age 30?

I will be turning 30 in four months. My wife and I currently have about 375k saved for retirement. We built a beautiful home in 2011 and hope to have it paid off in about 7 years or we could possibly have a lot more. I graduated pharmacy school just before turning 24 and have been saving well since....
by ugaDAWGS09
Wed Feb 18, 2015 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you purchase EE bonds?
Replies: 8
Views: 919

How often do you purchase EE bonds?

I would like to purchase them each month, but my wife thinks that will make it difficult come tax time in 20 years. Is it easier if they are purchased in one lump sump each year, or do you just get a form (maybe 1099-r) with the amount you made total for the year? Thanks.
by ugaDAWGS09
Mon Feb 16, 2015 11:44 pm
Forum: Personal Consumer Issues
Topic: Need help buying diamond earring studs
Replies: 13
Views: 1005

Re: Need help buying diamond earring studs

Hey backdoor roth completed for 2014 and 2015 for both of us. I'm going to see if I can find some gold promo codes online.
by ugaDAWGS09
Mon Feb 16, 2015 10:59 pm
Forum: Personal Consumer Issues
Topic: Need help buying diamond earring studs
Replies: 13
Views: 1005

Re: Need help buying diamond earring studs

Thanks everyone. Seems like Blue Nile is the recommended choice. I will give them a call tomorrow
by ugaDAWGS09
Mon Feb 16, 2015 8:46 pm
Forum: Personal Consumer Issues
Topic: Need help buying diamond earring studs
Replies: 13
Views: 1005

Re: Need help buying diamond earring studs

Anyone? Thanks
by ugaDAWGS09
Mon Feb 16, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: Need help buying diamond earring studs
Replies: 13
Views: 1005

Need help buying diamond earring studs

My wife and I are celebrating our 9th anniversary soon and I would like to get her a pair of diamond earring studs. She has been asking for these for a while, and I was just wondering how to know what a good price would be? Any of you here know much about buying diamonds and how not to get ripped of...
by ugaDAWGS09
Sat Feb 07, 2015 10:45 am
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4853

Re: Best laptop under $1000

Thanks, I should have mentioned I do prefer the Windows operating system.
by ugaDAWGS09
Sat Feb 07, 2015 10:40 am
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4853

Best laptop under $1000

I'm looking to purchase a new laptop this weekend, and I'm hoping to find a good one for under $1000. I don't play games on the computer, so a gaming laptop isn't necessary. Looking for an all around good computer, 15" or bigger screen, 6-8 GB of RAM, DVD drive, and at least a 500 GB hard drive...
by ugaDAWGS09
Sat Feb 07, 2015 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Form 8606 quick question
Replies: 3
Views: 337

Re: Form 8606 quick question

Thanks, I found it. It's all filled out correctly.
by ugaDAWGS09
Sat Feb 07, 2015 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Form 8606 quick question
Replies: 3
Views: 337

Form 8606 quick question

My wife and I both did the backdoor Roth for the first time this year. We used turbo tax and followed the instructions provided http://thefinancebuff.com/how-to-report ... botax.html, do we have to still fill out the form 8606 or does TurboTax take care of that for us?
by ugaDAWGS09
Thu Jan 22, 2015 5:48 pm
Forum: Investing - Theory, News & General
Topic: Would maxing a Roth and 401k each year be enough?
Replies: 17
Views: 3072

Would maxing a Roth and 401k each year be enough?

If someone starts at age 30 and maxes out their Roth and 401k each year, will this be enough to retire comfortably by age 60? How much could this person expect to have by age 60?
by ugaDAWGS09
Wed Jan 21, 2015 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4646

What age did you pay off your "forever" home

What age did you pay off your "forever" home and how did you do it? My wife and I built our forever home in 2011, and we are working hard to pay it off. We started small by paying one extra payment a year the first two years, but now we are adding 850 a month to the principal (started abou...
by ugaDAWGS09
Tue Jan 20, 2015 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Worth upgrading from Delta Gold to Platinum?
Replies: 4
Views: 438

Re: Worth upgrading from Delta Gold to Platinum?

I think it's worth it if you fly a couple delta flights a year. My wife and I are flying to Colorado this weekend and saving $450 on the flight with her companion ticket. It was very easy to use and the times we were allowed to choose from were great times to fly out. Also, we save 50 dollars each w...
by ugaDAWGS09
Tue Jan 20, 2015 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: backdoor roth when under AGI limit
Replies: 16
Views: 1380

Re: backdoor roth when under AGI limit

Sorry, I was thinking the original poster was in my boat and wanting to contribute without knowing his or her MAGI for 2014.
by ugaDAWGS09
Tue Jan 20, 2015 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: backdoor roth when under AGI limit
Replies: 16
Views: 1380

Re: backdoor roth when under AGI limit

He said go ahead and fund the traditional and then covert to Roth, and it wouldn't matter if I was under or over the MAGI limit for 2015. If you find you are under the MAGI limit, consider a recharacterization to Roth instead of a conversion. If you convert, you will pay taxes on the gains. If you ...
by ugaDAWGS09
Tue Jan 20, 2015 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: backdoor roth when under AGI limit
Replies: 16
Views: 1380

Re: backdoor roth when under AGI limit

I called Vanguard about this topic. They told me you can fund a traditional IRA anytime (assuming you don't hold any other IRA), and convert it over to a Roth. I wanted to go ahead and fund my 2015 Roth now instead of waiting till Dec to determine my MAGI. He said go ahead and fund the traditional a...
by ugaDAWGS09
Mon Jan 19, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: backdoor roth when under AGI limit
Replies: 16
Views: 1380

Re: backdoor roth when under AGI limit

However, I do wish we could find some confirmation on this subject. Would be nice to know that there is indeed no penalty.
by ugaDAWGS09
Mon Jan 19, 2015 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: backdoor roth when under AGI limit
Replies: 16
Views: 1380

Re: backdoor roth when under AGI limit

I asked this yesterday and was told it doesnt' matter. We are so close each year and have to wait till December based on income, but this year we are going to go ahead and do the backdoor roth and contribute for 2015. I think the only difference is if you do a backdoor vs regular Roth you can't with...
by ugaDAWGS09
Sun Jan 18, 2015 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth question
Replies: 1
Views: 258

Backdoor Roth question

Both my wife and I maxed out Roth last year using the backdoor method. Our MAGI was about 3k above the phase out limit. What I wanted to ask was if we think we are going to be over again can we go ahead and fund the traditional IRA tomorrow, then convert to a Roth. I'm not sure if there is any penal...
by ugaDAWGS09
Sun Jan 18, 2015 12:00 am
Forum: Investing - Help with Personal Investments
Topic: EE bonds vs iBonds
Replies: 29
Views: 2845

Re: EE bonds vs iBonds

Quick question about the taxes you pay with these bonds. With EE bonds assuming I contribute 20k and make 20k. I will pay taxes on the full 20k amount when I cash them in after 20 years?
by ugaDAWGS09
Sat Jan 17, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: EE bonds vs iBonds
Replies: 29
Views: 2845

Re: EE bonds vs iBonds

Right now, given the current economic data, it's projected the inflation rate for I bonds for May will be 0% and the fixed rate may be somewhere between 0-.20%. If that holds, your composite rate of 1.13% is going to have to be a heck of a lot higher in the following six months come November. Why d...
by ugaDAWGS09
Sat Jan 17, 2015 11:41 am
Forum: Investing - Help with Personal Investments
Topic: EE bonds vs iBonds
Replies: 29
Views: 2845

EE bonds vs iBonds

My wife and I are looking to purchase some EE bonds next week. The reason I like these bonds is the guaranteed double on your initial investment, and the exemption from state taxes. We are investing the full 20k, so our return after our 28% federal taxes should be 34,400 after the full 20 years. I l...
by ugaDAWGS09
Fri Jan 16, 2015 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a large payment reduce mortgage
Replies: 34
Views: 2955

Re: How much does a large payment reduce mortgage

With the Penfed ARM I would be locked in at 2.75% for five years, but why is the APR different and what does it mean? Also, are you saying it could jump to 4.75% at most in 5 years but there isn't really any way to know this?
by ugaDAWGS09
Fri Jan 16, 2015 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a large payment reduce mortgage
Replies: 34
Views: 2955

Re: How much does a large payment reduce mortgage

I don't know why the calculator is giving me wrong numbers then. I plugged in some extra payments we have made over the past couple of years, and added in the 850 extra a month we have been paying for about a year. The calculator had my numbers matching exactly what my wife's excel spreadsheet had ...
by ugaDAWGS09
Fri Jan 16, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: How much does a large payment reduce mortgage
Replies: 34
Views: 2955

Re: How much does a large payment reduce mortgage

I don't know why the calculator is giving me wrong numbers then. I plugged in some extra payments we have made over the past couple of years, and added in the 850 extra a month we have been paying for about a year. The calculator had my numbers matching exactly what my wife's excel spreadsheet had c...
by ugaDAWGS09
Fri Jan 16, 2015 8:07 am
Forum: Personal Finance (Not Investing)
Topic: How much does a large payment reduce mortgage
Replies: 34
Views: 2955

Re: How much does a large payment reduce mortgage

Ok, I was able to go back and track all my payments and used the calculator provided. An extra 10k payment next month would reduce the term of my mortgage by 8 months, and save me $4711 in interest, but this doesn't figure in the mortgage deduction lost which I guess is going to be 4711 x .28 ( my f...
by ugaDAWGS09
Thu Jan 15, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a large payment reduce mortgage
Replies: 34
Views: 2955

How much does a large payment reduce mortgage

My wife and I built a home and have a 215k mortgage that started in Nov 2011. Interest rate is 3.875 for the 30 year mortgage. We have been paying extra and have our principal down to 187 k. We would like to put a 10 k lump sum on the mortgage but wanted to know how much interest it would save and i...
by ugaDAWGS09
Wed Jan 14, 2015 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income 2015
Replies: 16
Views: 2150

Re: Fixed Income 2015

I guess what I have to consider is if I'm 100% going to hold the bond for 20 years, then I would think the EE bond would have to be worth more at that time. It seems that ibond rates have been dropping for a couple of years, but then again that could change at any time. Maybe it would make more sens...
by ugaDAWGS09
Wed Jan 14, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income 2015
Replies: 16
Views: 2150

Re: Fixed Income 2015

Hey I'm very interested in this topic. Being in my late 20's is there any reason for me to prefer ibonds over ee bonds? Seems ee is like a 20 year 5% CD that earns all interest at once. I bonds seem up and down
by ugaDAWGS09
Wed Jan 14, 2015 8:05 am
Forum: Investing - Help with Personal Investments
Topic: EE bonds vs 5 yr CD's vs iBonds
Replies: 8
Views: 1164

Re: EE bonds vs 5 yr CD's vs iBonds

Thanks everyone, this has been very helpful. My wife and I were just about to open a 50k 5 year CD at 2.25, but now we are going to do 10k each of EE bond and only 30k in the CD. I spoke with her about iBonds and we may do some next year, or even later in the year. However, she doesn't like the chan...
by ugaDAWGS09
Tue Jan 13, 2015 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: EE bonds vs 5 yr CD's vs iBonds
Replies: 8
Views: 1164

Re: EE bonds vs 5 yr CD's vs iBonds

Also, with EE bonds doesn't it make the most sense to "cash them in" after 20 years, since the remaining 10 years could have a really low interest rate.

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