Search found 111 matches

by PhysicsTeacher
Sat Mar 03, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 38
Views: 4239

Re: Electric Toothbrushes - again

I've been very happy with my Sonicare Series 2. I find that it is significantly easier to get my teeth clean with the Sonicare than with cheap battery powered brushes such as Oral B Complete Action and SpinBrush, but I've never had one of the rechargeable Oral B brushes to compare it to.
by PhysicsTeacher
Sun Feb 18, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9844

Re: Do you wear a wedding band?

My husband and I wear silicone bands. He's an electrician who can't wear a metal ring to work. The silicone rings do wear out and need to be replaced every few years, but I think the ones we got from SafeRingz are nice looking and well worth the money. I've gotten quite a few compliments from teenag...
by PhysicsTeacher
Sun Feb 18, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement investment advice for parent
Replies: 10
Views: 1081

Re: Retirement investment advice for parent

Welcome to the Bogleheads! It's admirable that you want to help your mother get started with retirement savings. - I considered investing in individual index funds for her, as opposed to a target retirement fund, but considering that the target retirement fund consists of index funds like the Total ...
by PhysicsTeacher
Fri Jan 19, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Accounts
Replies: 22
Views: 2419

Re: Edward Jones Accounts

Vanguard's target date funds are an excellent starting point.
by PhysicsTeacher
Fri Jan 12, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 71
Views: 4241

Re: Poll: BHs who rent - what % of gross do you spend on rent?

Just under 10% of gross gets our DINK household a spacious two bedroom townhouse in Arkansas.
by PhysicsTeacher
Sat Dec 30, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest inheritance
Replies: 2
Views: 409

Re: How to invest inheritance

Welcome to the Bogleheads! You are likely to get more responses if you include information about your current expenses and how your portfolio is currently invested as well as anticipated income in retirement from social security and/or pensions. Please see asking portfolio questions for how to forma...
by PhysicsTeacher
Tue Dec 12, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 46
Views: 5070

Re: Cheap tablet just for internet surfing

I've been surprised by how much I use the Kindle Fire 7 I received for my birthday. I also have an iPad 4, which is a nicer device, but with a much higher price tag. The Fire 7 is dirt cheap and perfectly adequate for checking the news, reading downloaded library books, browsing forums, etc.
by PhysicsTeacher
Mon Dec 11, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 6505

Re: Kidde fire extinguisher recall

I received an email today informing me that both of my replacements are backordered. I'm not pleased with the delay in obtaining what I consider essential safety equipment. Does Kidde have any obligation to ensure a timely remedy to the problem, perhaps by offering reimbursement for purchase of a di...
by PhysicsTeacher
Mon Dec 11, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: New Roth IRA contributor needing help
Replies: 5
Views: 417

Re: New Roth IRA contributor needing help

Welcome to the forum! If your company offers you the option of a Vanguard target date fund, you should seriously consider investing 100% of your 401k and Roth IRA contributions in it. It is an excellent choice with low expense ratios. If you later decide that you prefer to construct your own portfol...
by PhysicsTeacher
Sun Dec 10, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Silicone Rings
Replies: 12
Views: 1696

Re: Silicone Rings

My electrician DH and I wear Saferingz. I like the look of their "platinum" model, and I appreciate that they are made in the USA by a family business. My first ring from them lasted for three years of daily wear, but I've had to replace DH's more often. They threw in two extra rings and a nice note...
by PhysicsTeacher
Sun Nov 19, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: Book for new college graduate
Replies: 20
Views: 1562

Re: Book for new college graduate

I appreciate A Random Walk Down Wall Street , The Bogleheads' Guide to Investing , and The Four Pillars of Investing , but The Only Investment Guide You'll Ever Need would be my top pick for a first book on investing/personal finance. It has become my standard high school graduation gift. It's compr...
by PhysicsTeacher
Sun Nov 12, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 89
Views: 4577

Re: Is an investment account the best choice for me (new guy)

Are you prepared to watch the value of your fund drop by 40% in the next recession? That's a possibility you need to be aware of if you want to invest in a fund with an 80:20 stock to bond ratio. In the long run, you are likely to end up with more money than if you opted for a more conservative allo...
by PhysicsTeacher
Sun Nov 12, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 89
Views: 4577

Re: Is an investment account the best choice for me (new guy)

Would there ever be a reason to invest in Vanguard Total Stock Mkt Idx Inv instead of the Vanguard LifeStrategy Growth Fund (VASGX) ER 0.15%? Since the number 1 stock fund in VASGX is (VTSMX), when would it be apropriate to put money in VASGX instead of VTSMX? It depends on whether you want a portf...
by PhysicsTeacher
Sat Oct 21, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 8721

Re: What are you driving? And would you buy your current ride again?

2011 Nissan Versa ~86k miles I purchased this used but with under 100 miles on it in 2011 (program car that got hail damaged before it could be driven). It is perfectly acceptable for getting from point a to point b, and the gas mileage is decent. The backseat is roomy enough to fit adults when need...
by PhysicsTeacher
Tue Sep 19, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: What is a decent financial book that everyone should buy?
Replies: 20
Views: 1972

Re: What is a decent financial book that everyone should buy?

I'll add my voice to the chorus of Andrew Tobias fans. The Only Investment Guide You'll Ever Need has become my standard high school graduation gift.
by PhysicsTeacher
Thu Sep 07, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: For those planning early retirement....
Replies: 67
Views: 10387

Re: For those planning early retirement....

I hope to retire in my early fifties when I'll be eligible for a pension. I'm looking forward to long walks, bike rides, playing with pets, hanging out with my spouse, cooking great food, reading lots of library books, and having plenty of time to study whatever strikes my fancy. I'd like to volunte...
by PhysicsTeacher
Sun Sep 03, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: How old were you when you got your first credit card?
Replies: 46
Views: 2802

Re: How old were you when you got your first credit card?

My mother added me as an authorized user on her Citgo card to buy gasoline for commuting to college when I was 18. When I was 20, I got a MasterCard in my own name through USAA. I think the credit limit was $1k; they raised it to $15k after I graduated. When my husband and I started dating, he was h...
by PhysicsTeacher
Sun Aug 27, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Worth exchanging Target Retirement in taxable for tax-efficiency?
Replies: 9
Views: 729

Re: Worth exchanging Target Retirement in taxable for tax-efficiency?

What is your current federal tax bracket? That will determine what rate you'll pay on long term capital gains if you sell your target date fund to create a more tax-efficient portfolio. How much do you have in long term and short term gains if you sell today, and how much space do you have available...
by PhysicsTeacher
Mon Aug 21, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 18476

Re: Jobs that pay over $100,000

Heck, some classroom teachers are pulling in over $100k. Add in some pre-school monitoring, yearbook advisor and after school basketball, and they can really get up there. Summers off and great health care. This is very geographically dependent. My base salary with six years of experience is $34k. ...
by PhysicsTeacher
Mon Aug 14, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 32
Views: 2882

Re: ipad or tablet for hospital?

An iPad is a fantastic device, but for this purpose I cast another vote for a Kindle Fire. The Fire 7 is a perfectly adequate tablet, small enough to carry readily in a handbag, and cheap enough not to worry terribly about losing. The Fire 8 HD is probably even nicer, but I've never had my hands on ...
by PhysicsTeacher
Thu Aug 10, 2017 7:30 am
Forum: Investing - Help with Personal Investments
Topic: 1-Million Dollar Question [Investing during retirement, leave to heirs]
Replies: 33
Views: 5256

Re: 1-Million Dollar Question [Investing during retirement, leave to heirs]

How greatly does your father's income without his pension exceed his expenses? Is he definitely set for life, or is it possible that he may need to tap some portion of funds in the rollover IRA for care later? Nursing homes and memory care facilities can be very expensive if needed. The answer to th...
by PhysicsTeacher
Sat Jul 29, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Treasury ends myRA program
Replies: 32
Views: 4109

Re: Treasury ends myRA program

My brother opened a myRA at my suggestion and funded it with $5.5k. It fit his needs well because it was offered an acceptable interest rate while guaranteeing his principal wouldn't decline and he would have liquidity if a major emergency arose. He is currently unemplyed so, while he has no imminen...
by PhysicsTeacher
Tue Jul 25, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Late start for college savings
Replies: 16
Views: 1678

Re: Late start for college savings

It is my understanding that if a student was in foster care any time after he or she turned 13, he or she is considered independent for purposes of federal student aid. Since parental assets and income will not be considered, your child would be very likely to qualify for a Pell Grant (plus subsidiz...
by PhysicsTeacher
Sun Jul 16, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing approaching retirement
Replies: 1
Views: 390

Re: New to investing approaching retirement

Welcome to Bogleheads! You'll get the best advice if you list the details of your current investments in the format from asking portfolio questions. This will ensure that everyone has the information needed to offer suggestions.
by PhysicsTeacher
Fri Jul 14, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 11021

Re: [Amazon Prime Day]

I didn't buy anything on Prime Day despite being tempted by the Instant Pot deal. I did notice that a handbag I had purchased from a Gold Box deal on Sunday could have been had for $1.50 less had I waited, but that isn't worth beating myself up about. :wink:
by PhysicsTeacher
Fri Jul 14, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 6068

Re: When to max out 401k (Aspiring Early Retiree)

It really all depends on what kind of lifestyle you expect to have at age 50. Unless you are going to live as frugally as Mr Money Mustache - to retire at 50 you will need to start maxing out your 401k yesterday AND also you will likely need to save after tax (like a roth) and some in a taxable acc...
by PhysicsTeacher
Fri Jul 14, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 6068

Re: When to max out 401k (Aspiring Early Retiree)

Thinking about saving for retirement and other goals in your 20s is great, but you are just starting out as a real adult. You have marriage, children probably, your own home, and whatever else would make a fulfilling adult life ahead of you. If your top goal now is to retire at 50 I think you shoul...
by PhysicsTeacher
Thu Jul 13, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 12086

Re: % bogleheads of overall population

Some bogleheads cannot contribute that much. I can't. Agreed! Although this forum skews to high income earners, it is entirely possible to follow Boglehead principles on a moderate income. I make $38k per year. My husband recently got a raise to $22 per hour. I have mandatory pension contributions,...
by PhysicsTeacher
Tue Jul 11, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Family member fleecing Alzheimers victim
Replies: 26
Views: 5376

Re: Family member fleecing Alzheimers victim

You or your mother should seriously consider seeking legal guardianship of your stepfather. While a durable power of attorney grants you permission to act on your stepfather's behalf, it does not, as far as I know, prevent him from taking any actions he sees fit, including giving money or sensitive ...
by PhysicsTeacher
Sat Jul 01, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 17424

Re: Bogleheads: you should be buying 10-year old cars

I'd much prefer buying newer econobox instead of an older used car that cost $32k new. We recently replaced a 2002 Ford Taurus with a 2013 Mazda 2 and have a 2011 Nissan Versa. We get to enjoy relatively new, reliable vehicles that we know are being properly maintained, and we're likely to keep thes...
by PhysicsTeacher
Sat Jul 01, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Did you get in on US Individual Retirement Bonds
Replies: 9
Views: 1987

Re: Did you get in on US Individual Retirement Bonds

I was born in 1986 so this is the first time I've heard of such a thing.
by PhysicsTeacher
Fri Jun 30, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Please suggest a $6K-$8K car
Replies: 22
Views: 2303

Re: Please suggest a $6K-$8K car

Pontiac vibe is a good option with a hatch-back. Basically has a Toyota engine but Pontiac price I am new to US, never heard of that car before! Where it is being manufactured? and what year do you recommend? Consumer Reports has 2007-2010 Pontiac Vibes on their list of reccomended used cars in the...
by PhysicsTeacher
Thu Jun 29, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 16299

Re: How did you handle the costs of your child's wedding?

I don't have kids but got married in 2014 at the age of 27. There were a total of 13 people in attendance, and the ceremony and reception took place in the private room at a local restaurant. A dear friend officiated. My husband's sister and her wife supplied champagne as a wedding present. My husba...
by PhysicsTeacher
Mon Jun 12, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 8425

Re: Have you canceled cable?

I've only ever had cable television when living with roommates who wanted it. We have an inexpensive amplified antenna that attaches to a window with suction cups for local broadcast stations. We've had Netflix for many years, and a family member shares Amazon Prime with us. I recently added Hulu to...
by PhysicsTeacher
Mon Jun 12, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 5073

Re: which IPAD?

I'll throw in another vote for seriously considering an Apple refurb, whichever model you choose.
by PhysicsTeacher
Sun Jun 11, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Should I keep this Fire 7 tablet?
Replies: 3
Views: 716

Should I keep this Fire 7 tablet?

My generous aunt sent me a Fire 7 for my birthday, along with a note saying she gets a lot of use out of hers but to feel free to exchange it for something else if I'd prefer. I currently have a 4th gen iPad that I thoroughly enjoy. I could: 1. Keep the Fire 7 for my own use. I suppose it might be n...
by PhysicsTeacher
Sun May 28, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: High School Graduation Gifts
Replies: 21
Views: 2732

Re: High School Graduation Gifts

I gave first aid kits and copies of The Only Investment Guide You'll Ever Need to my graduating students this year in a final attempt to equip them for adulthood. I also gave one student, who is homeless, a set of twin xl sheets and a towel for his dorm. I gave a friend's daughter whom I used to tut...
by PhysicsTeacher
Tue May 23, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Help choose company service gift [choice made!]
Replies: 32
Views: 3074

Re: Help choose company service gift

I vote for the iPad. It is a very nice gadget for internet browsing and enjoying ebooks and magazines from the library. It has become my computer of choice for recreational uses.
by PhysicsTeacher
Mon Apr 17, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Budget multitool knife
Replies: 28
Views: 3356

Re: Budget multitool knife

A Leatherman Rev is my daily companion. It doesn't have the finesse or bells and whistles of some of their more expensive models, but for me it hits the sweet spot of good quality and functionality at a reasonable ($30ish) price point.
by PhysicsTeacher
Sun Apr 02, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 29692

Re: Low-earners- What is your profession?

In my everyday life I don't feel that my husband and I are low earners, but on the Bogleheads we qualify as such. I teach physical science, chemistry, AP chemistry, and physics in a tiny, high poverty rural high school. My husband is a journeyman electrician. Our combined annual gross income is in t...
by PhysicsTeacher
Sun Mar 19, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard bank account authorization for joint brokerage account
Replies: 9
Views: 1325

Re: Vanguard bank account authorization for joint brokerage account

Account maintenance --> Bank information --> Add a new bank --> a simple form, then the usual micro-deposit and verify process. Last step takes a couple of days, but then your account is connected. It's an extremely simple straightforward process, and all online. Is that the process even if the acc...
by PhysicsTeacher
Sun Mar 19, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard bank account authorization for joint brokerage account
Replies: 9
Views: 1325

Re: Vanguard bank account authorization for joint brokerage account

Have you used your login to log into the joint account and approve the bank connection? I seem to recall that is what my wife had to do. When I log in, there is no indication that there is anything for me to approve. I'm certain he needs to do something to make a request so that I can approve it, b...
by PhysicsTeacher
Sun Mar 19, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard bank account authorization for joint brokerage account
Replies: 9
Views: 1325

Vanguard bank account authorization for joint brokerage account

How do you request authorization to transact with a given bank account from a joint account holder for a brokerage account at Vanguard? My DH wants to buy some VTSMX in our taxable account using funds from a credit union account that he has used in the past for Roth contributions. Vanguard won't all...
by PhysicsTeacher
Mon Jan 30, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 3215

Re: Fire extinguishers

We have one ABC extinguisher upstairs and one downstairs, plus a BC extinguisher in the kitchen. We also have a mix of ionization and photoelectric type smoke detectors throughout our townhouse. It's relatively cheap for the peace of mind.
by PhysicsTeacher
Tue Jan 03, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Book recommendation for teen
Replies: 15
Views: 1117

Re: Book recommendation for teen

My dad offered me his copy of The Only Investment Guide You'll Ever Need by Andrew Tobias when I was in junior high. It covers personal finanace basics like budgeting and insurance as well as being a great introduction to investing. While it isn't specifically targeted at teens, I found it to be an ...
by PhysicsTeacher
Thu Dec 29, 2016 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: What a exactly is a "separate account" in the context of a fund in a 401(k)?
Replies: 18
Views: 1419

Re: What a exactly is a "separate account" in the context of a fund in a 401(k)?

What the original poster has is a Variable Annuity. When he discussed a 1.25% mortality and risk expense, that was a dead giveaway. The insurance company by using units rather than shares is trying to hide the extra fees that it charges. Why on earth would an index fund cost 0.72%? I think at this ...
by PhysicsTeacher
Thu Dec 29, 2016 3:48 am
Forum: Investing - Help with Personal Investments
Topic: What a exactly is a "separate account" in the context of a fund in a 401(k)?
Replies: 18
Views: 1419

Re: What a exactly is a "separate account" in the context of a fund in a 401(k)?

It looks like Arkansas school district employees are able to use the state 457 plan. This website lists a 457 plan with VOYA and a 403b plan with TIAA that can be used by school districts. http://portal.arbenefits.org/Pages/voluntaryProducts.aspx The Arkansas Diamond Deferred Compensation Plan is a...
by PhysicsTeacher
Wed Dec 28, 2016 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: What a exactly is a "separate account" in the context of a fund in a 401(k)?
Replies: 18
Views: 1419

Re: What a exactly is a "separate account" in the context of a fund in a 401(k)?

PhysicsTeacher, do you have access to a 403b plan? If so, it's possible that funding a low-cost 403b plan would be better than using DH's high-cost 401k. If you are a K-12 employee, you probably have a list of providers that you could use. You also might have a good 457 plan available. What state a...
by PhysicsTeacher
Wed Dec 28, 2016 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: What a exactly is a "separate account" in the context of a fund in a 401(k)?
Replies: 18
Views: 1419

What a exactly is a "separate account" in the context of a fund in a 401(k)?

My husband and I have been maxing both of our Roth IRAs, increasing our second tier emergency fund of I bonds, and saving for a downpayment for our eventual first house. Now that we've gotten those areas of our finances squared away, DH has decided at long last to begin contributing to his 401(k) pl...
by PhysicsTeacher
Mon Dec 26, 2016 11:32 pm
Forum: Investing - Theory, News & General
Topic: Picking Individual Stocks Is Dangerous
Replies: 58
Views: 6752

Re: Picking Individual Stocks Is Dangerous

Taylor, thank you for this timely reminder! After reading this month's Kiplinger's from my local library and chatting with my brother who has had some short term successes with individual stocks, I was tempted to set aside a small amount of "play money" and dabble myself. Instead, I will stick to my...