Search found 9 matches

by AdmiralSnackbar
Mon May 15, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 49
Views: 4426

Re: Tipping for restaurants where you order at the counter

The tipping culture is definitely a bit untethered to any sensible standard of compensation. Correct me if I'm wrong, but workers' wages at counter-service restaurants are at least minimum wage. When I worked as a waiter, the base rate was below minimum wage, making me dependent on tips. I busted my...
by AdmiralSnackbar
Mon May 08, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7104

Re: How do Bogleheads buy cars?

If you want a glimpse as to how car salespeople are being trained, you might consider watching some of the videos on this YouTube channel: https://www.youtube.com/user/jsteverichards I have heard much of his verbiage coming from car salespeople in my recent past, and sadly, I think I fell for a lot ...
by AdmiralSnackbar
Thu Apr 27, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Unable to rollover 401(k) at Schwab
Replies: 5
Views: 639

Re: Unable to rollover 401(k) at Schwab

Thanks, PK, Alan, and Tiax. I will ask for the SPD and review carefully. Although definitely not normal, it might be within the realm of legal possibility that they hold on to the money until age 59. Take care!
by AdmiralSnackbar
Wed Apr 26, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Unable to rollover 401(k) at Schwab
Replies: 5
Views: 639

Unable to rollover 401(k) at Schwab

Greetings! We tried rolling over my wife's 401(k) from a previous employer, but the Schwab representative said that the specific rules governing the plan for former employer did not allow rollovers until age 59. My wife and I (and the Schwab rep, for that matter) were all surprised at this provision...
by AdmiralSnackbar
Tue Apr 25, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2276

Re: National Parks in Northern CA

You can't go wrong with these knowledgeable suggestions! Wife and I live within driving distance of Yosemite and just did a day trip this past weekend. The waterfalls are absolutely bursting right now with the precipitation we got this winter. One of our favorite spots was Vernal Fall. There was a b...
by AdmiralSnackbar
Fri Apr 21, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Starting from Ground Zero!!
Replies: 11
Views: 2083

Re: Starting from Ground Zero!!

Nats, you are right, Fidelity does offer some low-cost options! However, after careful consideration, my wife and I are going to consolidate all accounts into Vanguard, as we feel a bit more connected to the values and ethos of Vanguard, vice Fidelity. After reading some other threads about Vanguard...
by AdmiralSnackbar
Wed Apr 19, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Starting from Ground Zero!!
Replies: 11
Views: 2083

Re: Starting from Ground Zero!!

Wow, I am absolutely blown away by all the insight and sage wisdom from this community. I feel so much better about approaching this transition, and I think with my growing understanding, I think my wife and I can definitely do this without paying an advisor. I will follow up on all the collective a...
by AdmiralSnackbar
Tue Apr 18, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Starting from Ground Zero!!
Replies: 11
Views: 2083

Re: Starting from Ground Zero!!

Fishing: Excellent advice on all points. I will definitely look at F Fund while I am in accumulation phase. I will definitely consider Roth while in the 15% bracket and traditional once in the 25% bracket. As for BRS, I will take a hard look at it! Lastly, please excuse me, what is "MFJ"? ...
by AdmiralSnackbar
Mon Apr 17, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Starting from Ground Zero!!
Replies: 11
Views: 2083

Starting from Ground Zero!!

Hello, everyone, new to the Boglehead world, and I am drinking from a firehose. Here are the required details: Emergency funds: Three months Debt: Private Student Loan $50k @ 5.25% (not forgiveable) Tax Filing Status: Married, filing Jointly Tax Rate: 15% Federal, 0% State State of Residence: OH Age...

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