Search found 666 matches

by Go Blue 99
Sun May 01, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Couples: Are you and your significant other on the same page financially?
Replies: 11
Views: 665

Re: Couples: Are you and your significant other on the same page financially?

My wife doesn't do a lot of spending, but when she does she is typically an impulsive buyer. I spend more but carefully research items for months, and always wait for a deal.

The important thing for our marriage is that we both believe in a balance of enjoying life now and saving for future.
by Go Blue 99
Tue Apr 26, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Have any of you overextended on housing? What were your experiences?
Replies: 42
Views: 3625

Re: Have any of you overextended on housing? What were your experiences?

We overextended on our townhouse purchase. When we bought mortgage was about 40% of net income. But we were early in our careers so expected increases. We have since doubled our income, and refi'd to a much lower payment. But even at 40%, we were not stressed. We were still able to save, go on nice ...
by Go Blue 99
Fri Apr 22, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 9109

Re: Any stay at home parents regret the decision?

Both my wives were stay at home. No regrets. We thought it was important for the children to be raised by their parents and never considered becoming a two income family. The only exception was when I had custody between marriages and had to rely on nursery school and sitters while I was at work. A...
by Go Blue 99
Fri Apr 22, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Covington, GA Job
Replies: 5
Views: 690

Re: Covington, GA Job

Yep definitely post on City Data. Great forum for asking questions like this.
by Go Blue 99
Fri Apr 08, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 2285

Re: Stay in city or move out to suburbs?

You love where you're at now. The elementary school is good. A lot of things can change between now and middle school. The march towards gentrification that's happening in our cities is likely to continue, and the middle school may not be as bad in ten years. The second thing is that if you're look...
by Go Blue 99
Thu Apr 07, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 2285

Stay in city or move out to suburbs?

We are a married couple with a 2 year old and plans for another child. We currently own a townhouse in a city neighborhood. We are now considering buying a single family house, as we would like more space. We can also financially afford a house now, which we weren’t able to do when we bought the tow...
by Go Blue 99
Mon Apr 04, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much house? (New England Market)
Replies: 18
Views: 1588

Re: How much house? (New England Market)

I grew up in the Boston suburbs so know the pain of the housing search there. Personally, I think 25% of gross is too high when you consider you’ll have expenses for 2 kids. But, you say that 25% doesn’t include your huge bonus. And you say you have solid potential career growth. If you are confiden...
by Go Blue 99
Fri Apr 01, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 4088

Re: do you do airbnb ??

We have used VRBO for many vacations, including Orlando, Myrtle Beach, Paris, and Maui. Have had great experiences, especially in Paris and Maui. Those are expensive areas and we stayed in awesome condos for cheap. I only rent from people with great reviews.
by Go Blue 99
Tue Mar 29, 2016 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 78
Views: 9216

Re: Capital One 360 New Money Market Account, 1% on over 10k

Anyone have luck with Mint.com picking up the new MM account?
by Go Blue 99
Mon Mar 28, 2016 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Best & Worst Financial Decisions?
Replies: 92
Views: 7941

Re: Best & Worst Financial Decisions?

Best: listening to my uncle about Vanguard when I was 23. That led me to the original Vanguard Diehards message board. Worst: Wish we had splurged on a house instead of townhouse when we bought. It would initially be totally out of our price range, but we didn't know we would eventually double our i...
by Go Blue 99
Mon Mar 28, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 3329

Re: Your fav [US domestic] airline - as far as flying experience?

Delta is our favorite. They fly non-stop to basically every major city, so we never have to book layover flights. They also have more flights available than Southwest, so we get to choose times that are convenient for us. And we don't have to pay extra for seat selection. I always look at Southwest ...
by Go Blue 99
Sun Mar 27, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5248

Re: Europe Trip in August

We were planning on doing a family trip to Amsterdam and maybe Brussels in July. We were close to booking, but decided to cancel the trip. We'll have small children with us and a few of the mothers in the group veto'd the Europe idea.
by Go Blue 99
Thu Mar 24, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 118
Views: 15762

Re: Costco AMEX Transition - Costco has no answers

The new reward % are nice, but I don't care for the strict redemption policy.
by Go Blue 99
Wed Mar 23, 2016 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 78
Views: 9216

Re: Capital One 360 New Money Market Account, 1% on over 10k

Thanks for the heads up OP. The only negative I see is that you can't have sub-accounts like with Savings, which is not a big deal.
by Go Blue 99
Wed Mar 23, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 10255

Re: Financially, how have you done/doing vs. your parents?

I’m Gen-X and we are doing much better than my parents at the same age. But that’s not surprising. They were poor immigrants who never had a lot of money until late in their careers. We lived in a roach-infested apartment in the city when I was very young. Even when we moved out to the suburbs, they...
by Go Blue 99
Sun Mar 20, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door and Budgeting
Replies: 81
Views: 8873

Re: Millionaire Next Door and Budgeting

We do an annual budget, but we also track it monthly. Our income has gone up a large amount since we started budgeting, but I still enjoy tracking spending.
by Go Blue 99
Thu Mar 10, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: What are you frugal with, what are you not, but still buy?
Replies: 53
Views: 4698

Re: What are you frugal with, what are you not, but still buy?

I'm a spender, but I never make impulsive purchases. I read tons of reviews and then look for great deals (Slickdeals.net is one of my favorite sites).

I tend to prefer brand names, but only on sale.
by Go Blue 99
Sat Mar 05, 2016 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Give Your Friends Investment Advice?
Replies: 58
Views: 4111

Re: Do You Give Your Friends Investment Advice?

I'm known in my friend circle for being the Backdoor Roth guy. I'm constantly pushing it on them and showing them how to do it.
by Go Blue 99
Thu Mar 03, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ interactive tool: What income % are you?
Replies: 13
Views: 1923

WSJ interactive tool: What income % are you?

There are some tools out there where you can punch in your income and find out what income percentile you fall in.
But this one is the first I've seen that also lets you filter by gender, race, age, and education level.

http://blogs.wsj.com/economics/2016/03/ ... are-you-2/
by Go Blue 99
Wed Mar 02, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Question RE: 529 Plans - Georgia
Replies: 8
Views: 616

Re: Question RE: 529 Plans - Georgia

Per savingforcollege.com:

Contributions to the Georgia 529 plan of up to $2,000 per beneficiary per year (any filing status) are deductible in computing Georgia taxable income. Contribution deadline is April 15 of the following year.
by Go Blue 99
Sun Feb 28, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Rate
Replies: 12
Views: 1578

Re: Savings Rate

Secondary question--- At the moment, I have just calculated my savings rate on net income, but do folks add 401k matches and HSA employer contributions to their savings rate? I suspect not, and I am not doing that, but just want to get feedback. That money does pile up. Thanks again. I calculate on...
by Go Blue 99
Sun Feb 28, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Is Working from Home the New Normal?
Replies: 57
Views: 5470

Re: Is Working from Home the New Normal?

Telecommuting at my megacorp varies greatly by department. Some allow it every day but others ban it. I am able to do it once a week, and it's a highly valued benefit.
by Go Blue 99
Sat Feb 27, 2016 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Rate
Replies: 12
Views: 1578

Re: Savings Rate

We keep it simple. Total savings as a % of total gross. I think the important thing is that you keep the method consistent so you can see your progress.
by Go Blue 99
Tue Feb 23, 2016 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: What insurance/warranty products do you consider a waste of money?
Replies: 64
Views: 4481

Re: What insurance/warranty products do you consider a waste of money?

The statement about driving more carefully as an alternative to insurance in absurd. Yes, it is good to be careful, but no matter how careful you are, $tuff happens. I don't think it is unreasonable to expect myself to drive in a manner that I am not the cause of an at-fault accident. That is preve...
by Go Blue 99
Mon Feb 22, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 143
Views: 22017

Re: Why is Dave Ramsey wrong?

I enjoy listening to the show because I enjoy personal finance discussion. But his investing advice would give Bogleheads heart attacks :? He had a caller about a week ago who asked how to best choose a mutual fund. Dave went into his speech about how he looks for a long-term track record. He added ...
by Go Blue 99
Mon Feb 22, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Most Important Financial Decision: Where to Live?
Replies: 38
Views: 3424

Re: Most Important Financial Decision: Where to Live?

SF is a great place to live if you have high earning potential in specific fields. Our close friends live there and have the stereotypical one-percenter lifestyle- own a 3 bedroom condo in the heart of the city, nanny, luxury car, dinners out at the city's top restaurants, weekend trips to Lake Taho...
by Go Blue 99
Sun Feb 21, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: New clock radio alarm?
Replies: 12
Views: 1419

Re: New clock radio alarm?

https://www.amazon.com/dp/B00IEYHMPK/ref=cm_sw_r_sms_awd_u0IYwbXCAY5Q1 This one is a little more expensive, but I love it. The footprint is very small. The alarm is quiet as it starts low. And it has time projection on the ceiling. This feature is a game changer and my wife and I find it very useful...
by Go Blue 99
Sat Feb 20, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Should I be investing more in retirement?
Replies: 15
Views: 1831

Re: Should I be investing more in retirement?

Vanguard's stance is that people should save 12-15% of gross, including vested match.

However, at your income level, you should be able to achieve 25-30% or more. You can still live really well off the remaining income.
by Go Blue 99
Tue Feb 16, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Academic paper on the "worth" of real estate agents
Replies: 31
Views: 3927

Re: Academic paper on the "worth" of real estate agents

This is why I ask for commission rebates when working with an agent. For our current home, we used a buyer's agent that refunded 2% back to us (she kept 1%). We used that to buy our furniture. We are again in the market to buy, and we are working with a different agent that also believes in rebates....
by Go Blue 99
Tue Feb 16, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: What Percentage Raise to Expect for a Small Promotion?
Replies: 13
Views: 1562

Re: What Percentage Raise to Expect for a Small Promotion?

Expos_Fan wrote:Thanks for your help/insights/advice.


Have you heard back yet? What increase did you end up getting?
by Go Blue 99
Fri Feb 12, 2016 3:59 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 293
Views: 29563

Re: Why not 100% Stocks?

Here is an article from David Levine in NY Times today, arguing for 100% equity:

"How Much of Your Nest Egg to Put Into Stocks? All of It"

http://www.nytimes.com/2016/02/13/your- ... .html?_r=0
by Go Blue 99
Wed Feb 10, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 55
Views: 4951

Re: White Kitchen Cabinets?

White cabinets are making a big comeback, at least in our city. Pretty much all new construction homes here at $600k+ now have white cabinets.
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: 26
Views: 2747

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: 88
Views: 6368

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: 4453

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: 6640

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: 10841

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: 897

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: 2313

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: 222
Views: 13994

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: 7718

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: 7315

Re: What was your % pay raise?

I won't find out until next month, but expecting 2.5-3%. Wife is getting 4.5%.

EDIT: We both ended up doing much better, actually. I ended up with 6.7% increase. Wife received a surprise promotion and had a 15% increase.
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: 42
Views: 7107

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: 5110

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: 2202

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: 2195

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: 2195

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: 2195

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: 2004

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: 77
Views: 7762

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.

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