Search found 634 matches

by Go Blue 99
Tue Feb 09, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Accelerating financial independence by living with father-in-law?
Replies: 23
Views: 2198

Re: Accelerating financial independence by living with father-in-law?

Multigenerational households are very common in my culture, and I think they are good in certain circumstances. But I don't think this is one of them. Especially since you have well-paying jobs, and FIL doesn't have major health problems. Also, like others have stated, there could be issues from the...
by Go Blue 99
Fri Feb 05, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use the service of a CPA or you do your tax yourself?
Replies: 82
Views: 4861

Re: Do you use the service of a CPA or you do your tax yourself?

I used to do them on my own, but then our taxes became more complicated with our side businesses. Now I use a professional that charges about $500.
by Go Blue 99
Fri Feb 05, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Warning on Amazon Subscribe & Save
Replies: 44
Views: 4230

Re: Warning on Amazon Subscribe & Save

Every month before my Subscribe & Save shipment is mailed, Amazon emails me a list of everything I'll be receiving in that S&S shipment. It lists the price for each time, as well as the price I paid for the previous shipment. So I always compare the price vs my last shipment, and I cancel if...
by Go Blue 99
Thu Feb 04, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6020

Re: Sibling's destination wedding?

You didn't say, but I'll assume you mean 10% of annual take-home pay. If that's the case, that's a very high number and I would definitely skip it (unless you consider it a destination you've always wanted to visit).
by Go Blue 99
Thu Feb 04, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: How to get a 200k+/year job?
Replies: 107
Views: 10016

Re: How to get a 200k+/year job?

I have 3 friends that have $300k+ jobs with just an undergrad degree (though from elite private colleges). They are all in high finance- venture capital, private equity, hedge funds. They all live in HCOL (NYC or SF), where there is opportunity for super high income. I've met some of their friends w...
by Go Blue 99
Sun Jan 31, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: has anyone recently refinanced with PenFed?
Replies: 8
Views: 828

Re: has anyone recently refinanced with PenFed?

We did a refi 1.5 yrs ago with penfed. The process was very slow and they were slow to respond to emails also. However I was willing to be patient because we were doing the no closing cost 5/5 arm.
by Go Blue 99
Tue Jan 26, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: for slice and dicers - anyone moving into Em Mkt or HY?
Replies: 31
Views: 2160

Re: for slice and dicers - anyone moving into Em Mkt or HY?

5% of my portfolio is in EM. I've been at that number since 2002.
by Go Blue 99
Tue Jan 26, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 209
Views: 10727

Re: Do you pay for exercise?

Wife and I are both members of the gym near our house. We pay $17.50 each per month. I go there on weekends, and on telecommute days.

I'm also a member of my work on-site gym, which costs $15 a month. I go there during my lunch break.

Basically, I have no excuse to not be in shape :mrgreen:
by Go Blue 99
Mon Jan 25, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 7254

Re: What was your biggest unexpected home expense?

We've been in our townhouse for 8 years. So far the biggest unexpected expense was a $1k insurance deductible to fix a leaking HVAC unit.
by Go Blue 99
Wed Jan 20, 2016 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 6947

Re: What was your % pay raise?

I won't find out until next month, but expecting 2.5-3%. Wife is getting 4.5%.
by Go Blue 99
Mon Jan 18, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mint...working less, and less, and less
Replies: 33
Views: 4496

Re: Mint...working less, and less, and less

Yes I've noticed more issues lately. Target RedCard had an issue for over a month (Target and Mint finally fixed the issue). Now my state's 529 plan won't connect, and hasn't for over 2 months.
by Go Blue 99
Fri Jan 15, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 4677

Re: What's your company 401k contribution

I get 6% guaranteed, then up to additional 3% based on company performance.

Wife has flat $1,125 max.
by Go Blue 99
Wed Jan 13, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity has updated their guidelines on saving
Replies: 15
Views: 2129

Fidelity has updated their guidelines on saving

http://www.washingtonpost.com/news/get- ... ge%2Fstory

(full article at link above)

[Content in excess of copyright fair-use removed by admin LadyGeek]
by Go Blue 99
Wed Jan 13, 2016 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on moving within same subdivision?
Replies: 30
Views: 2097

Re: Thoughts on moving within same subdivision?

[Another longshot (especially with a Town House), but is there any way you could expand/reorganize the existing townhouse to better suit your needs and desires? My wife did suggest this. However, the reason our living room is so small is that there is a large guest bedroom with large full bathroom ...
by Go Blue 99
Wed Jan 13, 2016 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on moving within same subdivision?
Replies: 30
Views: 2097

Re: Thoughts on moving within same subdivision?

I don't have an opinion on whether you should move or not. But if you decide to, this might help. I sold my last home by word of mouth - never even listed it because someone told someone in the townhomes in my subdivisions that I was getting ready to list. They knocked on my door and I asked for a ...
by Go Blue 99
Tue Jan 12, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on moving within same subdivision?
Replies: 30
Views: 2097

Thoughts on moving within same subdivision?

We purchased our townhouse 8 years ago, and we've loved living there. But now with having a 2 yr old and plans for another kid, we've learning the floor plan is not family-friendly. It has a closed-off 1st floor layout with a very small living room, which is dominated by her toys. We ideally want an...
by Go Blue 99
Fri Jan 08, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Just made IRA contribution, then converted to Roth... for my wife
Replies: 27
Views: 1909

Re: Just made IRA contribution, then converted to Roth... for my wife

Similar boat here. My wife has an MBA and a very strong career, but has absolutely no knowledge or interest in our household finances. She does have her own Vanguard account, but I fully manage it and make the annual Backdoor Roth contribution. She didn’t even know how much 401k contribution she mak...
by Go Blue 99
Thu Jan 07, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 57
Views: 4025

Re: How do you organize your finances? Do you use Mint.com?

I use Mint to track credit card spending, and to get a total net worth snapshot.

I use Excel to track income statements, our monthly budget, asset allocation, etc.
by Go Blue 99
Wed Jan 06, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 8777

Re: Savings % Target 2016?

We typically save about 30-35% of gross. About half of that goes into retirement savings and the other half goes into general taxable savings. We will basically pick up a 2nd mortgage this year (daycare) so savings % will decrease.
by Go Blue 99
Wed Jan 06, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 95
Views: 6208

Re: Netflix, Your Current Favorite Show

We are halfway through "Mind of a Murderer" and it is great so far. The only issue is avoiding spoilers as everyone seems to be talking about it these days.
by Go Blue 99
Tue Jan 05, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How many streams of income do you have?
Replies: 60
Views: 5855

Re: How many streams of income do you have?

1) my job
2) wife's job
3) small ownership my wife has in her family business (hotel)
4) very small ownership we have in a friend's business (fast casual restaurant chain)
by Go Blue 99
Tue Jan 05, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: How has your Salary performed against inflation?
Replies: 59
Views: 5023

Re: How has your Salary performed against inflation?

Since finishing grad school 9 years ago, my CAGR is at 3.9%. All with same company.
by Go Blue 99
Fri Dec 11, 2015 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 350K home in Florida?
Replies: 33
Views: 3007

Re: Can we afford a 350K home in Florida?

You're already in your mid 30s. I wouldn't do a starter home at this point. It's a huge PITA to move. And your salaries justify a house even more than $350k. You will be completely fine, enjoy!
by Go Blue 99
Fri Dec 04, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: iRobot Roomba--do you like it? Would you recommend?
Replies: 21
Views: 2628

Re: iRobot Roomba--do you like it? Would you recommend?

We have a Neato and absolutely love it. I love how it goes back to the charging base after it's complete. Our toddler is also easily amused by it.
by Go Blue 99
Tue Nov 17, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: At what level does the cost of something matter to you?
Replies: 64
Views: 6234

Re: At what level does the cost of something matter to you?

I always look at cost, no matter what level. That is why I do the grocery shopping and not the wife :) I will say as I've gotten older (late 30s now), and more financially secure, I'm more likely to splurge on higher quality items now. But I still check slickdeals.net multiple times a day for great ...
by Go Blue 99
Mon Nov 16, 2015 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: High Earner Careers?
Replies: 254
Views: 26583

Re: High Earner Careers?

75k won't cut it if you want to have kids, a decent house and live in a good school district especially in more desirable areas. A job is a grind for the great majority. Few truly enjoy their job- think Bogleheads is not a representative sample. May as well spend your working hours doing something ...
by Go Blue 99
Thu Nov 05, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: AMEX Small Business Saturday - no statement credit this year. (Current AMEX offers)
Replies: 45
Views: 4952

Re: AMEX Small Business Saturday - no statement credit this year.

For anyone with a Chase Freedom card- you can get $15 off a $15+ purchase when you use Visa Checkout. Many websites offer Visa Checkout. I used it to reload my Dunkin Donuts card. Deal expires Dec 31.

http://slickdeals.net/f/8202575-visa-ch ... -15-off-15
by Go Blue 99
Mon Oct 26, 2015 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Premium for 2016
Replies: 70
Views: 6038

Re: Health Insurance Premium for 2016

Megacorp here. No increase in premiums, though there is a slight increase in deductible. Overall a terrific plan.
by Go Blue 99
Mon Oct 26, 2015 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 111
Views: 10622

Re: Age when you started to max out your retirement accounts?

38 now and have never maxed out. We probably could, but have no desire to cut back on lifestyle.

However I have been saving since 23 and at a healthy % for most of those years.
by Go Blue 99
Thu Oct 22, 2015 2:40 pm
Forum: Personal Consumer Issues
Topic: Thoughts On Moving Over Cost of Living
Replies: 9
Views: 1332

Re: Thoughts On Moving Over Cost of Living

I would do it. I moved from a HCOL city to a MCOL city a decade ago, and it was one of the best decisions I've ever made. I really like that there is less pressure to keep climbing the ladder just because you need to be able to afford to live there. And when your co-workers have the same philosophy,...
by Go Blue 99
Tue Oct 20, 2015 3:57 pm
Forum: Personal Consumer Issues
Topic: Why do people drink light beer ?
Replies: 84
Views: 5543

Re: Why do people drink light beer ?

I drink light beer when I'm tailgating at a game or watching a game with friends at home/bar. In these situations, you tend to drink more and light beer has lower alcohol %, calories, and price.

I prefer the taste of craft beers though.
by Go Blue 99
Thu Oct 15, 2015 12:28 pm
Forum: Personal Consumer Issues
Topic: Experience with 2014-16 Hyundai Santa Fe?
Replies: 14
Views: 1519

Re: Experience with 2014-16 Hyundai Santa Fe?

We bought a fully loaded '14 SFS and absolutely love it. I never thought I would be a Hyundai buyer, and we were originally looking at Acura MDX and Infiniti JX. However, the value offered was immense. We have features that would be options even on luxury cars- panoramic moonroof, heated and cooled ...
by Go Blue 99
Tue Oct 13, 2015 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 126
Views: 11865

Re: What do you guys do on the side?

We are minority owners in a small franchised restaurant chain. We haven't put in a ton of money or anything, but it's something on the side at least that has potential for a solid passive income stream. It's going quite well so far- we have 2 locations right now and 2 more opening up soon. One of th...
by Go Blue 99
Thu Oct 08, 2015 2:40 pm
Forum: Personal Consumer Issues
Topic: Buy $25 Amazon gift card, get extra $5 credit
Replies: 16
Views: 2567

Re: Buy $25 Amazon gift card, get extra $5 credit

You can click on this link to determine if you are eligible for the $50/$10 promo: http://www.amazon.com/b/ref=as_li_ss_tl?ascsubtag=5b877b9e6df411e5980eced88e80bb930000&_encoding=UTF8&camp=1789&creative=390957&linkCode=ur2&linkId=IMA33MASJC4N5Z57&m=ATVPDKIKX0DER&node=111...
by Go Blue 99
Wed Oct 07, 2015 12:19 pm
Forum: Personal Consumer Issues
Topic: Consumer items that are worth the initial investment?
Replies: 110
Views: 13687

Re: Consumer items that are worth the initial investment?

We've been very happy with our Neato robot vacuum. We let it run when we are not home and it does a great job.
by Go Blue 99
Fri Oct 02, 2015 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Any problem with paying off credit cards in full always?
Replies: 52
Views: 5128

Re: Any problem with paying off credit cards in full always?

We have Autopay set up for all of our credit cards. But I often check Mint.com for any odd charges.
by Go Blue 99
Tue Sep 29, 2015 12:03 pm
Forum: Personal Consumer Issues
Topic: Bogleheads T-Shirt Possible Design(s)
Replies: 104
Views: 7402

Re: Bogleheads T-Shirt Possible Design(s)

For those of you that purchased apparel from the official Vanguard merchandise store- what are your reviews? How has the quality held up?
by Go Blue 99
Tue Sep 29, 2015 12:02 pm
Forum: Personal Consumer Issues
Topic: Car seat for 2+ year old
Replies: 16
Views: 1074

Re: Car seat for 2+ year old

We have a Graco Size4Me and love it.

While researching convertible seats on Amazon, I found that pretty much all of the mainstream brands have terrific reviews (4.5 stars+). So it really comes down to your budget and styling preferences.
by Go Blue 99
Tue Sep 29, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Any Regrets Getting Rid of Land Line?
Replies: 74
Views: 5119

Re: Any Regrets Getting Rid of Land Line?

Like OP, all of our landline calls are spam and junk calls. So we are planning on disconnecting it soon. The only negative is that we'll have to upgrade to a wireless security monitoring system, which will cost extra $10 per month and involve some upfront installation fees. But we will save money in...
by Go Blue 99
Mon Sep 21, 2015 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey Calls Out "Bogle-ites"
Replies: 61
Views: 5978

Re: Dave Ramsey Calls Out "Bogle-ites"

I actually enjoy listening to his show because I like hearing the background stories from callers...what they do, how much they make, what type of money mistakes they've made, etc. But I definitely forward through the show when he goes on one of his many rants.
by Go Blue 99
Wed Sep 16, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: College Scorecard
Replies: 27
Views: 2046

Re: College Scorecard

Some of the data is plain wrong. Try engineering as program and for public universities like Ohio state it gives you salary and graduation rates for all programs at OSU not engineering. No engineering graduate starts at 42000. per year. Same is true for most schools. The site doesn't claim to give ...
by Go Blue 99
Tue Sep 15, 2015 12:28 pm
Forum: Personal Consumer Issues
Topic: What are your best time-savers?
Replies: 108
Views: 12514

Re: What are your best time-savers?

We love our Neato robot vacuum. On days when we run it, we also move things out of the way, so that helps with keeping things tidy in general. We also love our Panasonic infrared light toaster oven. It toasts much faster than a conventional toaster. We eat toast often on weekdays so that saves a few...
by Go Blue 99
Fri Sep 04, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: MCI Worldcom can I still take capital loss
Replies: 16
Views: 1276

Re: MCI Worldcom can I still take capital loss

tidelandp wrote:I believe MCI Worldcom was bought by Verizon. Your shares should have been converted to Verizon ones. You can recognize the loss by selling your shares.


Worldcom stock did go to zero. After bankruptcy, the company changed its name to MCI. Then Verizon bought MCI for about $6.8B in 2005.
by Go Blue 99
Wed Sep 02, 2015 2:03 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 65
Views: 6455

Re: New SUV, $50G, Pilot/Highlander/Other

A family member works at a Honda dealership and has been raving about the redesigned Pilot. Unfortunately you can't get much of a discount yet since they are new and very popular.
by Go Blue 99
Thu Aug 27, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Recommendations for steam mop
Replies: 18
Views: 2199

Re: Recommendations for steam mop

I just reviewed the new Bissell 1544 for Amazon, and think it works great. We had a more expensive Haan steam mop before that, but this one works better:

http://www.amazon.com/gp/product/B011LS47SA
by Go Blue 99
Fri Aug 21, 2015 8:19 am
Forum: Forum Issues and Administration
Topic: Better way to view oldest unread post in a thread?
Replies: 12
Views: 1510

Re: Better way to view oldest unread post in a thread?

Go to the "Forum" link and navigate to the specific forum. To the left of each thread title is a circular icon. Click that icon and it will take you to the first unread post in that thread. I finally discovered that feature about a week ago, and it's been a life-changer (at least from a s...
by Go Blue 99
Mon Aug 17, 2015 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Is Savings rate better calculated via Gross or Net?
Replies: 23
Views: 1918

Re: Is Savings rate better calculated via Gross or Net?

I prefer to use Gross. Calculating using Net can be thrown off based on your pretax deductions (401k, health, flex spending acct, daycare spending acct, etc).
by Go Blue 99
Sun Aug 16, 2015 12:28 pm
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 4321

Re: Laptop Recommendation

I would go with a SSD no matter what brand of laptop you buy. In terms of programs and start-up/shutdown speed, I think this is the best upgrade you can make. Once you go SSD, you won't go back to spinning hard drives.
by Go Blue 99
Fri Aug 14, 2015 9:57 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 14
Views: 1749

Re: Backdoor Roth: How Long To Wait For Conversion?

I put the traditional in a Vanguard Money Market Fund. I convert to Total Stock Market in Roth on a day when the market is down. It's usually within 1-2 weeks.

Go to advanced search