Search found 2666 matches

by Triple digit golfer
Sun Nov 06, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Lawncare tips
Replies: 15
Views: 1723

Lawncare tips

My wife and I bought our first house in August. Unfortunately, the lawn needs some work, or maybe just some TLC. The home was vacant for several months and the people did not take care of the lawn. There are several spots that are bare or pretty thin. I am not looking for a golf course fairway, just...
by Triple digit golfer
Tue Oct 11, 2016 7:33 pm
Forum: Investing - Theory, News & General
Topic: Highly compensated employee limits - 401k
Replies: 29
Views: 2434

Re: Highly compensated employee limits - 401k

I had an employer spring this on us towards the end of the year. Ended up getting over 5k back as essentially a surprise. The 401(k) was pretty terrible to begin with (one index fund at 0.75% ER, rest were over 1%, mostly actively managed low quality funds), HR was financially clueless, the plan wa...
by Triple digit golfer
Tue Oct 11, 2016 3:37 pm
Forum: Investing - Theory, News & General
Topic: Highly compensated employee limits - 401k
Replies: 29
Views: 2434

Re: Highly compensated employee limits - 401k

Thanks to all for your posts. I don't see the company changing anything - the CFO is extremely busy and there are other important things going on. The HR department is small and the CFO really manages the 401(k) plan herself. I guess I will plow my refund check, if I get one, into a taxable account ...
by Triple digit golfer
Tue Oct 11, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: Highly compensated employee limits - 401k
Replies: 29
Views: 2434

Re: Highly compensated employee limits - 401k

I would see if the company would be willing to shift some of the employee income to company contributions to the 401k to qualify for the safe harbor rules. If you do get a refund, I would first fund tax advantaged accounts (e.g., IRA, Roth, HSA), then I would fund my taxable account. Thank you. Do ...
by Triple digit golfer
Tue Oct 11, 2016 11:11 am
Forum: Investing - Theory, News & General
Topic: Highly compensated employee limits - 401k
Replies: 29
Views: 2434

Re: Highly compensated employee limits - 401k

kerplunk wrote:Umm... what?

Your boss is misinformed.


Can you explain?
by Triple digit golfer
Tue Oct 11, 2016 10:49 am
Forum: Investing - Theory, News & General
Topic: Highly compensated employee limits - 401k
Replies: 29
Views: 2434

Highly compensated employee limits - 401k

I started a new job about a year ago. I will max out my 401(k) at $18,000 in 2016. My boss, the CFO of the company, mentioned that as a highly compensated employee (I will gross $121,000 this year), I may have some of that $18,000 refunded back to me and it will be taxable income. I was reading abou...
by Triple digit golfer
Thu Sep 29, 2016 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Placement of bonds in my portfolio
Replies: 3
Views: 425

Re: Placement of bonds in my portfolio

Thank you. Another option is to hold the bonds in my Vanguard Rollover IRA, which was my 401(k) from my last job.

I would think that doing so would achieve the same effect as holding them in my 401(k).
by Triple digit golfer
Wed Sep 28, 2016 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Placement of bonds in my portfolio
Replies: 3
Views: 425

Placement of bonds in my portfolio

I am trying to determine where to hold bonds in my portfolio. I can either hold them in my 401(k) or Vanguard Roth IRA. The offset is an S&P 500 index fund in the other account. In my 401(k), the bond index fund is 1.49% ER and the S&P 500 index is 1.45% ER. Both bad, but virtually the same....
by Triple digit golfer
Fri Sep 02, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: How to allocate money - am I too cash heavy?
Replies: 13
Views: 1560

Re: How to allocate money - am I too cash heavy?

Mortgage is $2,275 PITI per month. I am already paying one extra principal payment per year by paying half every two weeks. I am considering putting in an extra $400 per month, which will equate to just over two additional principal payments per year. Perhaps also put another $400 per month into 401...
by Triple digit golfer
Fri Sep 02, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: How to allocate money - am I too cash heavy?
Replies: 13
Views: 1560

How to allocate money - am I too cash heavy?

Hi all, My wife and I recently purchased a house. We are in the process of selling our townhouse and in a few weeks, we'll have only the mortgage on the new house. Ages: 31 Married filing jointly Combined income: $171,000 gross Current retirement savings (401ks and Roth IRAs): $298,000 - 95/5 stock/...
by Triple digit golfer
Tue Aug 30, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Car Shopping - Early 2000s Mid-Sized Car Reliability under $5k?
Replies: 37
Views: 2744

Re: Car Shopping - Early 2000s Mid-Sized Car Reliability under $5k?

Camry or Accord, hands down. I wouldn't even think twice.
by Triple digit golfer
Thu Aug 18, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 40
Views: 3656

Re: Gutters and gutter guards

OP here. I decided against any gutter guards or screens. I'm going to have them cleaned and serviced for $200 (includes replacing some brackets, etc.). I'll see how things look after fall. If I'm getting a ton of leaves, I'll reconsider. I noticed yesterday after a brief but very hard downpour that ...
by Triple digit golfer
Tue Aug 16, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 40
Views: 3656

Re: Gutters and gutter guards

Thanks to all for your comments! I got a quote for $150 to clean the gutters. Maybe I just have it done twice a year and be done with it, while monitoring the drainage during heavy downpours. Who knows how long it had been since they were cleaned. The seller just bought the house in January from a s...
by Triple digit golfer
Tue Aug 16, 2016 7:31 am
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 40
Views: 3656

Gutters and gutter guards

Hi everybody. My wife and I are new homeowners and I'm a bit overwhelmed by all the maintenance that goes into owning a house. My dad has been a huge help, but I wanted to get some opinions on gutters and gutter guards. The house is a 2 story, and even the lower gutters are about 10 feet high. I'm 5...
by Triple digit golfer
Tue Aug 09, 2016 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance for 31 year-old
Replies: 20
Views: 1689

Re: Life insurance for 31 year-old

Two more questions: 1. Is it worth it to ladder policies? Say a $1 million 30 year term and a $500,000 10 year term? I think it makes sense because you'll typically need more early on before a lot of wealth is built up. 2. I spoke with an agent from terms4sale.com (a site recommended by a blogger wh...
by Triple digit golfer
Tue Aug 09, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance for 31 year-old
Replies: 20
Views: 1689

Re: Life insurance for 31 year-old

Thanks, all. I've been reading threads and the wiki. I'm thinking a 30-year term policy. By that time, we should be retired or extremely close to it. Heart disease runs on my mom's side of the family. Most of them were on blood pressure medication in their 40's. Nobody has had heart attacks before 7...
by Triple digit golfer
Tue Aug 09, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance for 31 year-old
Replies: 20
Views: 1689

Life insurance for 31 year-old

Hi everybody. I'm 31 and would like to buy life insurance so that my wife is taken care of in case something happens to me. We currently do not have kids and this whole scenario assumes that we do not have kids - if we do have kids, I will re-consider all of the amounts and the entire situation. I'm...
by Triple digit golfer
Mon Jul 11, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Home inspection items for repair
Replies: 32
Views: 2109

Re: Home inspection items for repair

Thank you all for your comments. A couple of my own: -A family lived there for 17 years prior to this guy buying it. He got it fairly cheap and remodeled the kitchen and bathrooms and replaced all the flooring. -He did no work on the electrical, plumbing, roof, or HVAC. -I don't see any of these pro...
by Triple digit golfer
Fri Jul 08, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Home inspection items for repair
Replies: 32
Views: 2109

Re: Home inspection items for repair

I see all of your points. However, if I look at each issue individually, I don't necessarily think I'm being taken here. Roof - seller probably never even looked at it. The parts with missing shingles was the highest part, not above the garage or back area where the roof is more accessible. Yes, ins...
by Triple digit golfer
Fri Jul 08, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Home inspection items for repair
Replies: 32
Views: 2109

Re: Home inspection items for repair

The house is a recent flip. They seem like major issues, but I don't see anything that can't be fixed. The inspector seemed to shrug most of it off as things he sees every day that can easily be corrected. Obviously there are some major expenses in here, but provided that the seller is willing to ma...
by Triple digit golfer
Fri Jul 08, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Home inspection items for repair
Replies: 32
Views: 2109

Home inspection items for repair

My wife and I are finally purchasing a home after many months searching. We had the home inspection yesterday and along with several small, non-material issues, some larger issues were discovered: -Roof has a couple missing shingles and a couple deteriorated shingles -Radon is greater than the 4.0 &...
by Triple digit golfer
Sat Apr 09, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Buy a house with previously repaired foundation issues?
Replies: 22
Views: 1956

Re: Buy a house with previously repaired foundation issues?

In the case of the house we're looking at, cost was $18,700 for 9 piers on the south and west walls of the home.
by Triple digit golfer
Sat Apr 09, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: Buy a house with previously repaired foundation issues?
Replies: 22
Views: 1956

Re: Buy a house with previously repaired foundation issues?

Thanks for all the great replies. We're in the Chicago suburbs. I am leaning toward placing a contingent offer and getting it inspected by an engineer. I'll also request the original drawings to see what was wrong and have the engineer determine if the work done was sufficient. Still gotta talk to m...
by Triple digit golfer
Fri Apr 08, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Buy a house with previously repaired foundation issues?
Replies: 22
Views: 1956

Re: Buy a house with previously repaired foundation issues?

I'm just so conflicted. There is a big split/crack in the garage floor. I did not notice any other issues when I visually inspected the house myself. No cracks in walls, ceilings. Brick was fine, no cracks or anything wiggly looking. Part of me wants to move forward with it and roll the dice (with a...
by Triple digit golfer
Fri Apr 08, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: Buy a house with previously repaired foundation issues?
Replies: 22
Views: 1956

Buy a house with previously repaired foundation issues?

My wife and I are having a heck of a time finding a house. We had one that did not pass inspection, one that we lost to another buyer, and we thought the third time was the charm. We were set to make an offer on a house we completely loved that was perfect for us - location, price, just the right si...
by Triple digit golfer
Tue Mar 22, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Cost of home projects
Replies: 11
Views: 1227

Cost of home projects

Thinking of putting an offer in on a house in the Chicago suburbs (our last one fell through). For a 25 year-old 2,100 square foot house with a brand new roof, furnace, A/C, water heater, and windows, we'd like to do some updating: - Have kitchen cabinets resurfaced (new doors, keep same boxes). 18 ...
by Triple digit golfer
Wed Mar 16, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Withdraw from taxable account or pay early withdrawal on CD?
Replies: 7
Views: 663

Re: Withdraw from taxable account or pay early withdrawal on CD?

Am I missing anything? I would pull from taxable as well. You appear to be increasing, not maintaining, your equity AA as a bi-product of your proposal - net result (10K) total bond. Not sure what you port size is or if this will make a material difference to you or not. Looks like the real questio...
by Triple digit golfer
Wed Mar 16, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Withdraw from taxable account or pay early withdrawal on CD?
Replies: 7
Views: 663

Withdraw from taxable account or pay early withdrawal on CD?

My wife and I are buying a house and selling our townhouse. I will need to take about $10k out of one of the two accounts to finance the down payment: -Vanguard taxable investment account (Vanguard Total International Stock Index) -CD with 1 year early withdrawal penalty. Interest rate is 3%. Two ye...
by Triple digit golfer
Tue Mar 08, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house before selling current
Replies: 24
Views: 2059

Re: Buying a house before selling current

What is the "typical" way people do it when they have to sell their house before buying their next? Do you find a place and put in an offer contingent on selling your current place? Or do you sell your place and make the sale contingent on finding your next place? Or something else - as l...
by Triple digit golfer
Tue Mar 08, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house before selling current
Replies: 24
Views: 2059

Re: Buying a house before selling current

Thanks all for your input. My realtor only told me that buying a new place and then selling my current is a possibility after I brought it up. She is a family friend whom I have used before and trust. She's far from pushy. What is the "typical" way people do it when they have to sell their...
by Triple digit golfer
Mon Mar 07, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house before selling current
Replies: 24
Views: 2059

Re: Buying a house before selling current

Have you considered selling first, then getting a short term rental while you shop? We've considered it, but it's a hassle and I would like to avoid it if I could. I'd rather not have to move twice and have to deal with changing my address on everything twice. I have not ruled it out and it is cert...
by Triple digit golfer
Mon Mar 07, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house before selling current
Replies: 24
Views: 2059

Buying a house before selling current

My wife and I live in a townhouse in which we owe $113,000. We're in the market for a house. Budget is around $300,000 with a 20% down payment. Our realtor suggested that if we wanted to, we could probably be approved by our lender to buy our next house before selling the current. This would allow u...
by Triple digit golfer
Tue Jan 26, 2016 5:44 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 5240

Re: Happy Birthday Taylor!

Happy Birthday, Taylor! You have helped me more than you could possibly imagine. I think about you and the wisdom and guidance you've bestowed upon me often. I am in a great financial situation and great mindset in large part to you. I was all over the place before I found this forum and read many o...
by Triple digit golfer
Sun Jan 24, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Couple tax questions
Replies: 3
Views: 669

Re: Couple tax questions

Also, TaxAct is recommending the "Plus" package, which is $14.99 for the federal and $14.99 for the state return. I don't see why I shouldn't just use the free one. The only "special" things we have are itemized deductions, some dividends from my Vanguard taxable account, $60 in...
by Triple digit golfer
Sat Jan 23, 2016 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Couple tax questions
Replies: 3
Views: 669

Couple tax questions

My wife and I have an AGI just over $140,000. She took some classes to finish up her master's degree. As I understand it: The American Opportunity Credit is out, as that is for only undergrad. The Lifetime Learning Credit would be an option, but is eliminated at $128,000 AGI. This leaves the tuition...
by Triple digit golfer
Wed Jan 20, 2016 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Very easy question on withholding
Replies: 6
Views: 394

Re: Very easy question on withholding

Thank you, everybody.

It's annoying that I got all excited seeing how much "extra" money we'd have, only to do the math shortly after and realize it'd all be going back.

This is pretty common, I think.
by Triple digit golfer
Wed Jan 20, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Very easy question on withholding
Replies: 6
Views: 394

Very easy question on withholding

I'll give the cliff notes version: - Recently married, going to file MFJ. - Seeing how changing withholding from Single to Married results in MUCH less federal tax withholding. - Realize that if I set my and my wife's withholding as Married, even with 0 exemption allowances, we're going to owe a few...
by Triple digit golfer
Tue Jan 19, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 87
Views: 14321

Re: Memory foam mattresses - any insight?

OP I am in the market for a queen size mattress. Can you confirm if this is what you bought ? http://www.amazon.com/dp/B003CT37LA/ref=twister_B00403MYWA OP here. I have had the mattress that I linked in my first post for four months now. We love it. It's firm but very supportive and comfortable. Hi...
by Triple digit golfer
Mon Jan 18, 2016 6:27 pm
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 87
Views: 14321

Re: Memory foam mattresses - any insight?

Triple digit golfer wrote:OP here.

I have had the mattress that I linked in my first post for four months now. We love it. It's firm but very supportive and comfortable. Highly recommended.


Still going strong, 17 months in! Great mattress.
by Triple digit golfer
Fri Jan 15, 2016 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Help - want to pay "cash" for a car
Replies: 68
Views: 4724

Re: Help - want to pay "cash" for a car

Wow, this thread has some great conversation! We did end up buying the car last night with a personal check. She decided she liked the Civic so we got a new one of those. Now my Accord has a little sister! We needed the car right away because her car died and we work in opposite directions of home, ...
by Triple digit golfer
Wed Jan 13, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help - want to pay "cash" for a car
Replies: 68
Views: 4724

Re: Help - want to pay "cash" for a car

Wow, I'm surprised. Thanks folks! I will try a personal check!
by Triple digit golfer
Wed Jan 13, 2016 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help - want to pay "cash" for a car
Replies: 68
Views: 4724

Help - want to pay "cash" for a car

My wife and I are set to buy a 2016 Honda Fit from a Honda dealership. We have adequate funds in our Ally online savings account to pay cash. Unfortunately, I cannot withdraw $17,000 from an ATM. I doubt a personal check is an option. I'm thinking most dealerships will only accept certified checks, ...
by Triple digit golfer
Sat Jan 09, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing funds/placement for wife and me
Replies: 15
Views: 623

Re: Help with choosing funds/placement for wife and me

Thanks a lot! I'm going to stick with the plan of splitting between her 403b and my 401k. I'm good with a small cap overweight. This also puts me in a position of minimal regret. If I leave my job, I have some money from the 401k to roll over. If I stay, then at least a good chunk is going into her ...
by Triple digit golfer
Sat Jan 09, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing funds/placement for wife and me
Replies: 15
Views: 623

Re: Help with choosing funds/placement for wife and me

Are you forgetting the $2,400 match?[/quote} That was with the match. I had it added in my file but did not include it here. Sorry for the confusion. I thought you meant you were tax loss harvesting that international back and forth from Total to FTSE. If you are doing that, you'd want to turn off ...
by Triple digit golfer
Sat Jan 09, 2016 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing funds/placement for wife and me
Replies: 15
Views: 623

Re: Help with choosing funds/placement for wife and me

Retiredjg, I like your ideas. 1. I'd say I am willing to get to 60/40 U.S. large/U.S. small. I don't see getting to 60/40 for another fives years or so, based on just contributions without factoring in returns. 2. I like the compromise in your #2. This sort of minimizes regret. It ensures the outcom...
by Triple digit golfer
Sat Jan 09, 2016 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Help with choosing funds/placement for wife and me
Replies: 15
Views: 623

Re: Help with choosing funds/placement for wife and me

Another consideration is if I leave the company in a few years and can roll over my 401k balance. In that case, I would have wished I put more in my 401k and less in her 403b. See https://www.bogleheads.org/forum/viewtopic.php?f=10&t=172808 for some thoughts on how to quantify that situation. F...
by Triple digit golfer
Sat Jan 09, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Help with choosing funds/placement for wife and me
Replies: 15
Views: 623

Re: Help with choosing funds/placement for wife and me

Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 25% of stocks Do you want 65 US, 25 International, 10 Bonds? That is actually 28% of your stocks in international. Or do you want 25% of your stocks in international which would be 67.5 US, 22.5 International, and 10...
by Triple digit golfer
Sat Jan 09, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Help with choosing funds/placement for wife and me
Replies: 15
Views: 623

Re: Help with choosing funds/placement for wife and me

I'll make a different suggestion although I don't know if it will work for you or not. But first… $4,800 his 401k (this is amount required to get maximum 2% employer match) <----assuming the match is in addition to this, how much is the match? Hi retiredjg! Hope you're doing well. Thanks for replyi...
by Triple digit golfer
Sat Jan 09, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Help with choosing funds/placement for wife and me
Replies: 15
Views: 623

Re: Help with choosing funds/placement for wife and me

Summary: My basic question that I'd really like some feedback on is which is the best option, given my desired "total market" portfolio: A) Suck it up and put most of our U.S stocks in the small cap index at 0.45% ER because it's cheaper. It'll take several years before the total portfoli...
by Triple digit golfer
Sat Jan 09, 2016 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Help with choosing funds/placement for wife and me
Replies: 15
Views: 623

Help with choosing funds/placement for wife and me

My new wife and I recently sat down together and did some financial clean-up and planning. I just started a new job which adds into the mix due to a bad 401(k) plan, which I am eligible to begin investing in in two weeks. Hoping to get some feedback on which funds to use and how to allocate our mone...

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