Search found 191 matches

by PlayingLife
Wed Mar 22, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 Fees
Replies: 13
Views: 901

Re: Utah 529 Fees

Thanks everyone - at the end of the day, I guess there really is not a major financial difference between some of the other top ranked funds and Utah. Thanks again for the clarification.
by PlayingLife
Wed Mar 22, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 Fees
Replies: 13
Views: 901

Utah 529 Fees

BH's, Recently used the forum on advice towards picking a 529. I settled upon Utah and went to set it up for my child this evening. I chose the "customized investments" with hopes of doing 80/20 Vanguard total index and total bond, and noticed a 0.2% fee that is tacked on to the individual...
by PlayingLife
Wed Mar 22, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: What instrument to keep emergency fund in?
Replies: 16
Views: 675

Re: What instrument to keep emergency fund in?

AMEX Personal Savings Account...0.9% growth rate. Missing the good old days of 3-6%!
by PlayingLife
Mon Mar 20, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Utah Vs. New York 529 - Which one and why?
Replies: 18
Views: 883

Re: Utah Vs. New York 529 - Which one and why?

Thanks everyone! I actually agree fully with the last post...I think either are fine options. Leaning towards NY but again, either sounds fine. Thanks for your help BH's, case closed.
by PlayingLife
Mon Mar 20, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Utah Vs. New York 529 - Which one and why?
Replies: 18
Views: 883

Re: Utah Vs. New York 529 - Which one and why?

Actually sorry..I imagine this should technically be posted under investments.
by PlayingLife
Mon Mar 20, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Utah Vs. New York 529 - Which one and why?
Replies: 18
Views: 883

Utah Vs. New York 529 - Which one and why?

BH's,

We're ready to make our first deposit, to our first child's 529. Our little one is about 1 year old and we live in NJ. I've done a lot of research on the Utah and NY plans and feel one of these would be best. Could you please share your opinion with a little detail?
by PlayingLife
Fri Mar 03, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Typical baptism gift as a Godparent?
Replies: 9
Views: 674

Re: Typical baptism gift as a Godparent?

Child is about 7/8 months. Thanks for the responses!
by PlayingLife
Fri Mar 03, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Typical baptism gift as a Godparent?
Replies: 9
Views: 674

Typical baptism gift as a Godparent?

Quick question - I'm a Godparent to a very close friend's child and the baptism is in a few weeks....I'm sure the answers are all over, but to get a general sense of what's reasonable, what sort of gift do you think is appropriate? For now, I'm planning on a card and check. Thanks for your insight!
by PlayingLife
Mon Feb 20, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Personal finance - what to do next? | Update from December
Replies: 2
Views: 635

Re: Personal finance - what to do next? | Update from December

Yeah I understand the 1% return idea...our emergency fund and this car fund would actually sit the AMEX personal savings account which has a 0.90% return. With a car though, I feel we can deal with it if there is a downturn in market. I guess either way is a flip of the coin, thanks for your response.
by PlayingLife
Mon Feb 20, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Personal finance - what to do next? | Update from December
Replies: 2
Views: 635

Personal finance - what to do next? | Update from December

Two big questions at the bottom of this message! I originally posted this topic in December (see below), but have made some decisions since then and now would like some further refinement - thank you for the previous help as you have strongly influenced my position. https://www.bogleheads.org/forum/...
by PlayingLife
Mon Feb 20, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: How are prices determined?
Replies: 18
Views: 845

Re: How are prices determined?

Zola ---> Let's start with an IPO (Initial Public Offering). Facebook for example, held an IPO when they wanted to take the company public. They meet with privileged investors, and sell the company (in the form of shares) to the investors who take part in the IPO. The Facebook execs then take this m...
by PlayingLife
Mon Feb 20, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: General thoughts on maxing HSA's
Replies: 9
Views: 982

Re: General thoughts on maxing HSA's

I've had one for 6 years or so and I'm in my 40s. I have zero worry about the viability or usability of the contributions or growth going forward. If that comes to pass somehow, I boldly predict that the contents of your HSA won't be at the top of your socioeconomic problems list I think plyd picke...
by PlayingLife
Sun Feb 19, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: General thoughts on maxing HSA's
Replies: 9
Views: 982

Re: General thoughts on maxing HSA's

Okay...I'm more clear on HSA's now. Of course we don't know what the future holds, but if a married couple generally makes it through life, to age 65, without critical medical disasters, this HSA can sort of work like an additional retirement vehicle. The funds can be taken out at 65 and taxed, but ...
by PlayingLife
Sun Feb 19, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: General thoughts on maxing HSA's
Replies: 9
Views: 982

General thoughts on maxing HSA's

Supporters of annually maxing an HSA, do so because of the triple tax benefit, to help grow and withdrawal income for when eventual large medical bills appear. Is this the reason to max an HSA annually, even if you don't believe you'll spend much out of pocket during the year or following few years?...
by PlayingLife
Thu Feb 16, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Silly math question [Percentage gain]
Replies: 10
Views: 958

Re: Silly math question [Percentage gain]

It's "% of goal", not "% over goal". I could have achieved the lowest of 80%, anything lower I would get $0. Likewise, there is also a cap of I believe 120%. So in this case, I would get 120%. Or they will be tough and argue for 116% like others have mentioned. Thank you again.
by PlayingLife
Wed Feb 15, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Silly math question [Percentage gain]
Replies: 10
Views: 958

Re: Silly math question

Okay let's be real, my goal was to achieve 0.5% growth in profit. I over achieved and management did the math wrong :sharebeer .....or right depending on their intent!

Thanks for the super clear feedback. I did do well on the GMAT at one point in the past.... :oops:
by PlayingLife
Wed Feb 15, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planner for my Parents
Replies: 6
Views: 606

Re: Financial Planner for my Parents

Thank you so much for your advice…all the posts were exceptionally helpful. With your responses, I consider the following actions…. 1) Contact a senior attorney to arrange POA and Medical POA (Didn’t even know these were separate). Wills and beneficiaries are in place, but this should be re-reviewed...
by PlayingLife
Wed Feb 15, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Silly math question [Percentage gain]
Replies: 10
Views: 958

Silly math question [Percentage gain]

Say your original value is 30.79. Say your goal to achieve 100% success is 31.29 (gain of +0.5). And say you actually achieve 31.87. What is your percentage gain in terms of success over the target? In other words, if 0.5 over 30.79 (total of 31.29) is 100%, then 1.08 over 30.79 is ? %? Could you pl...
by PlayingLife
Wed Feb 15, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Financial Planner for my Parents
Replies: 6
Views: 606

Financial Planner for my Parents

BH's, Say the words "Financial Planner" on here, and I know the expected response. I agree. However, here is my situation: On lifestyle: *One of my parents is going downhill fast and may need professional assistance within the next two years, and my other parent is not coping well with the...
by PlayingLife
Mon Feb 06, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is this car insurance claim able to be filed?
Replies: 5
Views: 478

Re: Is this car insurance claim able to be filed?

I thought collision would cover this! I think they have collision with a $500 deductible. They were thinking since it was their fault, and on their property, they couldn't claim. I haven't had car insurance in a long time so I really am not too familiar and needed this info in a pinch - thank you as...
by PlayingLife
Mon Feb 06, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is this car insurance claim able to be filed?
Replies: 5
Views: 478

Is this car insurance claim able to be filed?

Hi BH's, Not positive if this is the right forum - apologies if it's not. A family member went to park their car near some woods on their property, and the truck backed up too far and went over a small ridge. It was pulled out by a friend today and the side mirror popped off. It sounds like the door...
by PlayingLife
Fri Jan 20, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: NJ Daycare Costs: What do you pay?
Replies: 10
Views: 1453

Re: NJ Daycare Costs: What do you pay?

Thanks for the info on NAEYC - this is what I thought, a basic association that people pay into, used as a marketing tool. Based solely on two responses, it sounds like $1500 a month is expected for what is considered a nice daycare. The place we are looking at is in one of the HCOL priced north Jer...
by PlayingLife
Thu Jan 19, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: NJ Daycare Costs: What do you pay?
Replies: 10
Views: 1453

NJ Daycare Costs: What do you pay?

1. How much do you (or did you within the past 3 years) pay for daycare monthly, for a 1 year old? 2. How did that cost change over time? 3. How did that cost change when you brought additional children in? 4. Do the daycares you mention have the same/similar accreditations as is listed below, and w...
by PlayingLife
Wed Jan 11, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on salary negotiation
Replies: 9
Views: 1365

Advice on salary negotiation

General background: When I joined my company, I had experience related to my field, yet I was a junior compared to some of the best people at my firm with similar jobs. Over the following 6 years, I have put an enormous effort into self-development and education. My job achievements can be financia...
by PlayingLife
Wed Jan 11, 2017 7:58 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 18791

Re: Sad News About a Respected Forum Member

BH's is truly a community and not just a simple forum. There is a lot of respect and excellent knowledge on here, and people like Lee have built BH's as it exists today. Thank you Lee for working to create something special. Your advice has truly impacted lives for the better....I'm sure there have ...
by PlayingLife
Wed Dec 07, 2016 8:46 pm
Forum: Investing - Theory, News & General
Topic: Am I estimating these retirement future earnings correctly?
Replies: 13
Views: 1427

Re: Am I estimating these retirement future earnings correctly?

Thanks for all the feedback everyone....out of all the statements made, I agree most with the following: Initial estimates from decades out will be wildly inaccurate. ...so I understand there are many ways of looking at things, and no perfect model. We want to make sure we are comfortable in retirem...
by PlayingLife
Tue Dec 06, 2016 7:03 pm
Forum: Investing - Theory, News & General
Topic: Am I estimating these retirement future earnings correctly?
Replies: 13
Views: 1427

Am I estimating these retirement future earnings correctly?

I am trying to predict future total retirement fund availability 30 years down the line, and then future growth of the portfolio throughout the first 20 years of retirement. Assume a typical Vanguard 3 fund index portfolio. Here is the model I have been using, and the rough estimates I have come up ...
by PlayingLife
Mon Dec 05, 2016 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2448

Re: Lost: Could really use some advice on our next round of financial goals

Is your benefit package disability tied to an injury on the job? If so, you might want something that pays if you break both legs while skiing. I'm making the wild assumption that your industry is not related to skiing…. :happy No....so okay, something to look into. Between childcare, life insuranc...
by PlayingLife
Mon Dec 05, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2448

Re: Lost: Could really use some advice on our next round of financial goals

Another vote for maxing both 401Ks. Best bang for your buck. With that kind of income it shouldn't be much of a hassle. Save as much as possible in the 401Ks now because who knows what will happen in the future (stay at home with kids, job loss, moving, etc). Actually, this is a good point. It woul...
by PlayingLife
Mon Dec 05, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2448

Re: Lost: Could really use some advice on our next round of financial goals

Do you have term life insurance and long term disability insurance?


Yes we added a large term life policy when our son was born and long term disability is covered via our benefits packages + size-able emergency fund
by PlayingLife
Mon Dec 05, 2016 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2448

Re: Lost: Could really use some advice on our next round of financial goals

The only debt is a $360k mortgage and on a $250k income you're not maxing out 401K or HSA? You must have expensive tastes indeed if you're willing to pay 34-39% in federal and state income taxes to fund your lifestyle. Well, I did at least forget to mention ~$1800/month for child care expenses. I g...
by PlayingLife
Mon Dec 05, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Spouses and spending styles...
Replies: 53
Views: 5872

Re: Spouses and spending styles...

Ollie, If you look at my recent post from today, you will see I am a bit confused on how to handle finances for the time being....where I am today, is probably where you will be, two years after buying your house. Anyway, given your situation, it does seem the two of you are definitely not fully ali...
by PlayingLife
Mon Dec 05, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2448

Lost: Could really use some advice on our next round of financial goals

Hi BH's, While my wife and I saved for a house, filled the house with furniture, and towards increasing 401k contributions, financial objectives were fairly straight forward the past five years. Now we've hit some milestones, and are a bit puzzled on how to manage finances moving forward. Here are s...
by PlayingLife
Fri Nov 04, 2016 6:36 pm
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 4878

Re: Gaming system for kids?

In my opinion, the best system for a 7 year old, will be the new "Nintendo Switch", but it is not due out until March.... http://www.forbes.com/sites/davidthier/2016/11/04/nintendo-drops-a-big-hint-about-the-switchs-price-point/#636549a62466 This system will likely have a variety of games ...
by PlayingLife
Wed Jul 13, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: Gift Giving for Internal Meeting
Replies: 7
Views: 679

Gift Giving for Internal Meeting

Hi BH's, In October my team will host a sales meeting with some other colleagues from around the world. The meeting will take place in Europe, hosted by an American team. There will be several people present from all regions, and we were considering handing out small gifts ~$25 for each team member....
by PlayingLife
Mon Jun 20, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Was your nanny hired by the books?
Replies: 10
Views: 1172

Was your nanny hired by the books?

My wife and I are looking to hire a nanny for our child. My wife is lucky enough to have a job where she can work from home 100% of the time, so she will be home, but we still definitely need a full time nanny. We have arranged some interviews via care.com and I just started to dive into the legal a...
by PlayingLife
Sun Jun 12, 2016 10:36 pm
Forum: Investing - Theory, News & General
Topic: John Oliver covers retail investment industry on Last Week Tonight
Replies: 114
Views: 16737

Re: John Oliver covers retail investment industry on Last Week Tonight

Just finished the episode....it seriously comes across as a total nod towards BH's. Such a great episode...I have really come to enjoy this show big time. The fee example (2/3's) sounds really big...but still, the point is definitely made.
by PlayingLife
Sat May 07, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Hitting out of pocket max / Does Aetna track out of pocket spend?
Replies: 7
Views: 837

Re: Hitting out of pocket max / Does Aetna track out of pocket spend?

Your EOBs from Aetna should match what you are being billed. Do you often pay medical providers more than the insurance company says you owe? Aetna will track your out of pocket expenses and automatically start paying after you hit out of pocket max. If you paid providers more than Aetna said you n...
by PlayingLife
Sat May 07, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Hitting out of pocket max / Does Aetna track out of pocket spend?
Replies: 7
Views: 837

Hitting out of pocket max / Does Aetna track out of pocket spend?

Hi BH's, I have medical insurance through Aetna...this is the first year where my wife and I have to track out medical costs, as we will surpass our high deductible out of pocket max. I'm vaguely familiar with Aetna's site and think that it does not show you what you actually spent out of pocket, bu...
by PlayingLife
Thu May 05, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 9214

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Have we not began to deteriorate from a serious and highly admired investment forum to a social club? I love this quote...especially since the last forum I started was on grass growing and landscaping lol I am a scotch drinker....go to is Glenfiddich 12 yr but I like to change things up and also br...
by PlayingLife
Thu Apr 28, 2016 7:01 am
Forum: Investing - Help with Personal Investments
Topic: 401K Rebalancing: Feedback please
Replies: 8
Views: 713

Re: 401K Rebalancing: Feedback please

Anyone else think the fixed interest is a good idea in place of the sole bond fund?
by PlayingLife
Wed Apr 27, 2016 6:14 am
Forum: Investing - Help with Personal Investments
Topic: 401K Rebalancing: Feedback please
Replies: 8
Views: 713

Re: 401K Rebalancing: Feedback please

triceratop wrote:This post is now located in the "Investing - Help with Personal Investments" forum.


Whoops I knew that...sorry!
by PlayingLife
Tue Apr 26, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: Who's used Extended Stay hotels?
Replies: 27
Views: 2980

Re: Who's used Extended Stay hotels?

As a Marriott Platinum member I'd have to be biased and recommend Residence Inn. They've updated many of the RI hotels in recent years...to match or even beat the quality of Courtyard Marriotts. Plus breakfast is included. The nicest one I've seen is in Idaho Falls, but I've stayed in lots of great ...
by PlayingLife
Tue Apr 26, 2016 9:29 pm
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 4381

Re: BH Way of Landscaping?

Big-box and mainstream nurseries, and the landscapers that use them, have pretty bland selections and ideas. Some of the more interesting native plants in my yard I got from local non-profit plant sales or a nursery attached to a local nature preserve. I'd bet I've got the only paw paw trees in tow...
by PlayingLife
Tue Apr 26, 2016 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rebalancing: Feedback please
Replies: 8
Views: 713

401K Rebalancing: Feedback please

Hi BH's, My current overall tax deferred retirement savings are diversified across a three fund portfolio, as follows: 71%, US Stock, MMIZX, MM S&P 500 Index (northern trust), 0.13 ER 18%, Intl Stock, VTIAX, Vanguard Total Intl Stock Admiral 11%, Bonds, VBILX, Vanguard Intermediate Bond Index Fu...
by PlayingLife
Mon Apr 25, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 4381

Re: BH Way of Landscaping?

my yard is going to be a beautiful collection of plant life...rather than just being grass. Well, that's my answer. Dandelion crop might be disappointing this year, but violets just started to bloom nicely. I'm making a regular spring trip later this year partly so I can let the early stuff grow ou...
by PlayingLife
Sun Apr 24, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 4381

BH Way of Landscaping?

Hi BH's, So I'm on round two of trying to properly fill in several large patches in my lawn. After $250 in tools/seed/fertilizer, I'm finally seeing grass. However, there's a lot of weeds in there and I have a feeling my yard is going to be a beautiful collection of plant life...rather than just bei...
by PlayingLife
Fri Apr 08, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - Can I afford this home?
Replies: 38
Views: 4134

Re: First time home buyer - Can I afford this home?

I was willing to bend the BH rules a little when we bought our house...I took at 401K loan of about 40K and banked on my over-confidence that salary would go up and that job security was rock solid. Luckily things played out and the loan was paid off in just over a year and a half, while we continue...
by PlayingLife
Sat Apr 02, 2016 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Deduction Questions
Replies: 2
Views: 232

IRA Deduction Questions

Hi BH's, Can you please clarify that the following is true? Roth IRA Income Limit 2016: Joint filers with modified adjusted gross income up to $184,000 can make a full contribution. If their adjusted gross income is in excess of $194,000, they cannot make a contribution to a Roth IRA in 2016. Tradit...

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