Search found 115 matches

by gator1
Sat Apr 15, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?
Replies: 11
Views: 612

Re: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?

I called Vanguard with this question. I called a second time to make sure the first rep was correct. Both told me the same: 4pm Eastern Tuesday is deadline. I'm not chancing it. I'll put the remaining $ in by 3 or so.
by gator1
Thu Apr 13, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest in Roth IRA this year?
Replies: 15
Views: 879

Re: Should I invest in Roth IRA this year?

I'm 30 and 100% Vanguard Total Stock Market in my Roth. Putting more in it today.
by gator1
Tue Apr 04, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3336

Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

My gf's employer gives them 20 days of vacation and sick time per year. However, if you leave the company the employer keeps the PTO and there is no payout for the time. This starts the second you give a 2 week(or however long you want to give) notice. A girl just gave a 2 1/2 week notice that she ...
by gator1
Fri Mar 31, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 80
Views: 10805

Re: Currently have $700,000 at 26 years old get $100,000 a year

You do realize that at some point an older guy hanging around college students all the time becomes pathetic? And you are rapidly approaching that point. What do you see for your future? I was thinking the same thing. An Essentially 27 year old is talking about "college life". It's approa...
by gator1
Fri Mar 31, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 80
Views: 10805

Re: Currently have $700,000 at 26 years old get $100,000 a year

A) Do not let any potential girlfriend know about your finances. (They may be able to easily figure it out if they are halfway intelligent w/ no money coming in but money going out) B) Get a prenup. C) If you get married and have kids make sure they are well taken care of if you pass. D) No offense...
by gator1
Thu Mar 30, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - access issues, normal?
Replies: 13
Views: 944

Re: Ally Bank - access issues, normal?

they can now transfer funds to/from external accounts in a single day without a fee. oh really? I thought when Ally transferred to popmoney this got shut down? With my credit union, popmoney charges a $2-3 fee to do a 1 day transfer. One thing I really like about Barclays is their 1 day external AC...
by gator1
Thu Mar 30, 2017 6:11 am
Forum: Investing - Help with Personal Investments
Topic: Emergency & Short Term Cash
Replies: 5
Views: 679

Re: Emergency & Short Term Cash

I've about 6 months of emergency fund (50k) and saved about 100k for 20% downpayment to purchase house in near future (price range 500k or less). We are waiting for the right house to come by and are not in any rush. I'm thinking of "safely" investing this 150k rather than sitting in bank...
by gator1
Mon Mar 27, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Another house buying decision thread
Replies: 4
Views: 467

Re: Another house buying decision thread

I enjoy a good nights sleep, and I hate noise. You can't place a monetary value on that. I'd move and wouldn't think twice about it. I'm only 30, but noise bugs me. Whenever I've looked for places I make sure the neighbors are older. Idc if my next door neighbor is 70 and wants to carry on a 2 hour...
by gator1
Mon Mar 27, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ally vs Discover
Replies: 17
Views: 1853

Re: Ally vs Discover

Ally.

No experience with Discover. My coin-flip was between Ally and Alliant CU. I picked Ally because more Bogleheads use Ally. Follow the Leader kind of thing.
by gator1
Fri Mar 24, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2394

Re: Anyone use Verizon wireless prepaid for cell phones???

Does Boom Mobile charge any roaming fees, or other types of fees? No Is the service EXACTLY like going through Verizon? Yes** I If so, what would be the reason to pay more by going direct through Verizon? VOLTE?(Ability to use data and talk on phone at same time)? Boom is supposed to be getting thi...
by gator1
Fri Mar 24, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 4975

Re: What online bank do you use?

Ally.

I keep a local CU checking account because it can be linked to my Ally account for easy transferring. I keep between anywhere from $300-$1,000 in this as it's easy accessible. 99.9% of my "cash" is at Ally which I joined thanks to Bogleheads. Do the same! :happy
by gator1
Fri Mar 24, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2394

Re: Anyone use Verizon wireless prepaid for cell phones???

As resident Boom Mobile sunshine pumper of Bogleheads . . . . I recommend, you guessed it, Boom Mobile.

Too bad we couldn't get a Boom Mobile promo code going with them. Before long half of Bogleheads will use them.
by gator1
Thu Mar 23, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5402

Re: Vehicles as a percentage of net worth

I buy whatever I can comfortably afford that is a used car and I buy with cash. Always have. And it's what I recommend anyone else to buy too. It's 99% of the time a depreciating item. Those should be purchased in cash. Right now my vehicle is about 5% of my net worth. I'm sure one day I will want ...
by gator1
Sun Mar 19, 2017 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old and want to start saving for a home...where to begin?
Replies: 7
Views: 894

Re: 30 years old and want to start saving for a home...where to begin?

Same age as you, saving for a house as well(hopefully will save enough for a cash only purchase). I keep mine in a 1% savings w/ Ally. Of course, I could invest this money but I like knowing it's "safe" and I still get a little bit out of keeping it at Ally.
by gator1
Mon Mar 13, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 5140

Re: Ally Bank Replacement

Ally is down again today . . . . if anyone cares. It's been up and down, but in the long run, this is on par with other financial websites. I'll still use Ally as my banking hub. Oh same here. 99.9% of my savings are at Ally. I don't use them for daily things. I keep a local CU with a little in it ...
by gator1
Mon Mar 13, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 5140

Re: Ally Bank Replacement

Ally is down again today . . . . if anyone cares.
by gator1
Mon Mar 13, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 5140

Re: Ally Bank Replacement

One observation, today I added Bank of America as external bank for transfers. It did not ask for BoA login/password or no trial deposits but added the account. I am not sure how authentication happend in the backend. Probably, it's part of their upgrade. Nice feature. I'm having trouble parsing th...
by gator1
Mon Mar 13, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: How many pairs of jeans do you own?
Replies: 64
Views: 3937

Re: How many pairs of jeans do you own?

I am a [cheap --admin LadyGeek] minimalist who works from home. I think I have about 3 pair of jeans, a couple pair of lounge pants, a couple pair of shorts, 10-15 shirts, no underwear, no socks, and one pair of shoes.
by gator1
Sun Mar 12, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: When should you replace a vehicle?
Replies: 52
Views: 4216

Re: When should you replace a vehicle?

I buy cash for my vehicles. And I always buy them used. So for the question of: When should you replace a vehicle? When you have enough cash to replace a vehicle and not on a semi-regular basis(Keep at least 5 years minimum, hopefully much longer). In your situation where your significant other wan...
by gator1
Sun Mar 12, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 2735

Re: Buying Used Car- Less than 11K out door

Get the Prius and call it a day. When I got mine I was patient and found a used one that had already had the hybrid battery replaced and had a warranty on the battery. The hybrid battery is pretty expensive to replace. I recommend finding one that comes with a warranty(including the battery) or one...
by gator1
Tue Mar 07, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 2302

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

ZeroWealth wrote:
gator1 wrote:Get the Lexus. You won't be sorry.

We got the Lexus (450h), and we definitely are not sorry. :)

Thanks everyone for your input on this!


Glad you enjoy your purchase! The 450h's are beautiful.
by gator1
Tue Mar 07, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 2302

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

The RX 450h is the hybrid version of the RX 350, right? I haven't driven one, but I like the combination of the V6 power and best in class gas mileage. I know gas is cheap now, but I usually drive cars for 10 years.no guarantees gas well continue to be low priced the entire time. Indeed it is the h...
by gator1
Wed Mar 01, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Seems Dave Ramsey is right about debt
Replies: 55
Views: 10402

Re: Seems Dave Ramsey is right about debt

Agree with the above poster about Ramsey being good at getting people out of debt(if they listen), but gives terrible investment advice. Also, I swear I heard him Friday say to Tithe no matter what (including while going through bankruptcy) . . . . lol wut? He's right. LOL . . . . I can't.
by gator1
Tue Feb 28, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Seems Dave Ramsey is right about debt
Replies: 55
Views: 10402

Re: Seems Dave Ramsey is right about debt

Also, I swear I heard him Friday say to Tithe no matter what (including while going through bankruptcy) . . . . lol wut? He only advises tithing (as in giving, literally, 10% of income to your church) for those who, like him, identify as Evangelical Christians. He then will usually go on to say tha...
by gator1
Tue Feb 28, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: What's Happened to Vanguard Reps?
Replies: 17
Views: 2044

Re: What's Happened to Vanguard Reps?

I knew what I was getting with Vanguard when I signed up. Because of this, I'm a happy customer and over the course of years I have called them I think once. No complaints so far. Again, I know what Vanguard is, and I never try to think they are more or less than that. If I want top-of-the-line inv...
by gator1
Mon Feb 27, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 7443

Re: Used German Luxury vs New Japanese

Why not a gently Used car that's luxury and will be as close to a german sedan you can probably get but give you amazing quality and reliability? Lexus IS350. It hauls ass.
by gator1
Mon Feb 27, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Seems Dave Ramsey is right about debt
Replies: 55
Views: 10402

Re: Seems Dave Ramsey is right about debt

Agree with the above poster about Ramsey being good at getting people out of debt(if they listen), but gives terrible investment advice. Also, I swear I heard him Friday say to Tithe no matter what (including while going through bankruptcy) . . . . lol wut?
by gator1
Sat Feb 25, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 36
Views: 3048

Re: Credit Card Debt Question (Separation)

OP- I'm on my phone w/ limited internet access and will post more tomorrow on this. But, please call your credit card company and have new charges shut off indefinitely. Or: You can remove her if she's just an authorized user. I've had to do this before. Granted, I wasn't married so idk if that chan...
by gator1
Thu Feb 23, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Household budget trim: next up is cell phone plan
Replies: 30
Views: 2875

Re: Household budget trim: next up is cell phone plan

TotalWireless.com (Verizon network). Keep your Verizon phones. 2 line Family plan for $60 including all taxes/fees. Unlimited calling, unlimited texting, 8GB shared 4g data. Two individual lines on H20 Wireless for $54 including all taxes/fees. AT&T network. Unlimited/Unlimited/3GB 4g data each...
by gator1
Wed Feb 22, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Household budget trim: next up is cell phone plan
Replies: 30
Views: 2875

Re: Household budget trim: next up is cell phone plan

I spent months researching this stuff. I wanted the Verizon network without paying Verizon prices. Leaving the Verizon network wasn't an option as it has been the best service anywhere I've been. I also needed unlimited talk and text. Lots of data isn't important as I'm almost always on wifi or wil...
by gator1
Tue Feb 21, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 5033

Re: Cheap, Non-Traditional Cell Phone Plans

Boom Mobile(Verizon Prepaid). Taxes and Fees are already included in prices.

$19.99 - Unlimited Talk & Text 250mb data
$24.99 - Unlimited Talk & Text 500mb data

Great pricing for Verizon network.
by gator1
Sat Feb 18, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 7533

Re: Need advice on girlfriend debt/finances

Maybe I'm wrong but typically others in your situation don't listen and continue on, and it sounds like to me this isn't something you really want to move on from. And that's your choice. Maybe she is an amazing person and you can't put a monetary value on having a great person in your life. An ama...
by gator1
Sat Feb 18, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 36
Views: 3048

Re: Credit Card Debt Question (Separation)

I agree with what the other poster says above. I wouldn't take money from your 401k. If you HAD to take money from the 2, I'd do the Roth first as it's penalty free on the contribution amount. But, I would only do that in a last resort scenario. I also agree that you both should not be using these ...
by gator1
Sat Feb 18, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 36
Views: 3048

Re: Credit Card Debt Question (Separation)

Sorry to hear about the seperation, been there done that lost my tshirt! Are they joint cards? You should probably be working on some damage control in regards to additional charges being made on these cards. You need to shut down new charges on all 3 cards, the interest rates are too high you shou...
by gator1
Thu Feb 16, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Money in the bank seems to lead to better life satisfaction
Replies: 9
Views: 1233

Re: Money in the bank seems to lead to better life satisfaction

Most of my friends make more money than me, yet have no money in the bank. I have lots of money in the bank, despite not making as much as them. Guess who is stressed every month about money? Not me. I think even if you had $1,000 to your name in savings every month it would make you(them) a whole ...
by gator1
Thu Feb 16, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 2302

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

Get the Lexus. You won't be sorry.
by gator1
Fri Feb 10, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 44
Views: 2057

Re: iPhone SE 16GB - is memory adequate?

I think 16gb is plenty, especially for her situation. I've always bought the 16gb versions. I have google drive so I just back up my photos and videos to that. I get 17gb of free storage on that, which is more than enough.
by gator1
Fri Feb 10, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy phones?
Replies: 43
Views: 2843

Re: How do Bogleheads buy phones?

I usually always buy them gently used/like new on Ebay or Glyde and wait until they buy a model that has been out a couple years(Never spent more than $200). With my current phone(iPhone 6s Plus) I broke from the mold and bought it shortly after it came out brand new for the screen size($750. . . ....
by gator1
Mon Feb 06, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4836

Re: GF has long commute, should we buy a house to avoid long commute?

In a hypothetical scenario with an exact same arrangement. . . . I wonder what would' happen if the person on the title(but not on the mortgage) splits from the person on the title(and the mortgage). Is the person on the mortgage screwed? If you don't mind sharing since you made a similar income as...
by gator1
Mon Feb 06, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4836

Re: GF has long commute, should we buy a house to avoid long commute?

So, essentially ruling out renting closer to her work because it's not really an option unless a housing rental with a yard falls into our lap, something that hasn't happened since we have been together, that leaves us with: 1) See if she will be willing to make this commute until the summer. By th...
by gator1
Mon Feb 06, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 4871

Re: Keep a Local Bank?

I keep a checking account at the local CU I already did business with when switching almost all my money to Ally Bank. I kept it despite not stepping foot in a branch in years because: Cash, My gf is a member, and our family members are all members. I make transfers to them often and it's instant t...
by gator1
Mon Feb 06, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4836

Re: GF has long commute, should we buy a house to avoid long commute?

So, essentially ruling out renting closer to her work because it's not really an option unless a housing rental with a yard falls into our lap, something that hasn't happened since we have been together, that leaves us with: 1) See if she will be willing to make this commute until the summer. By th...
by gator1
Mon Feb 06, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Craigslist vehicle sale worth the risk?
Replies: 30
Views: 2499

Re: Craigslist vehicle sale worth the risk?

Craigslist is hit or miss. You will get more than you get from the dealer, but may encounter some crazy people. I've sold 2 vehicles on Craigslist and an ATV. Both vehicle transactions went great. Both came to where I lived at the time. 1 handed me cash. The other we met at a bank where he wrote me...
by gator1
Mon Feb 06, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4836

Re: GF has long commute, should we buy a house to avoid long commute?

So, essentially ruling out renting closer to her work because it's not really an option unless a housing rental with a yard falls into our lap, something that hasn't happened since we have been together, that leaves us with: 1) See if she will be willing to make this commute until the summer. By th...
by gator1
Mon Feb 06, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4836

Re: GF has long commute, should we buy a house to avoid long commute?

Based on your posts it looks like you are definitely in love. I am happy for you. With that said, you wrote that you "got her a Prius." I'm not sure, but it reads as if you bought it for her. She is "willing to try to be better with money". "Willing to try" suggests th...
by gator1
Sun Feb 05, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 26890

Re: Quicken's future direction - a cause for concern

There are free alternatives. Free like Google's stuff is "free"? No thank you. This. I use Google and I know I know that if I am not paying them, then I am not a customer - I am their product. Intuit's Mint isn't free. They aren't a charity or open source software provider. Today they may...
by gator1
Sun Feb 05, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 26890

Re: Quicken's future direction - a cause for concern

I'm shocked how many people still poor money into Quicken. There are free alternatives. I wouldn't spend $1 on Quicken. Tell us about the alternatives, please... Personal Capital(My personal favorite), Mint, GNUCash. For more info on Personal Capital: https://investorjunkie.com/39153/switched-quick...
by gator1
Sun Feb 05, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4836

Re: GF has long commute, should we buy a house to avoid long commute?

+1 on renting for at least a year in a new area before buying. $7000 CC debt is very manageable. I hope the reason for her separation from previous mate is not related to finance (ie. she spent most of her ex's money, including hers, and he decided to end it). Best of luck. It may have been lost in...
by gator1
Sun Feb 05, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 26890

Re: Quicken's future direction - a cause for concern

I'm shocked how many people still poor money into Quicken. There are free alternatives. I wouldn't spend $1 on Quicken. Tell us about the alternatives, please... Personal Capital(My personal favorite), Mint, GNUCash. For more info on Personal Capital: https://investorjunkie.com/39153/switched-quick...
by gator1
Sat Feb 04, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4836

Re: GF has long commute, should we buy a house to avoid long commute?

How much is childcare in your area? With income of $30k each, any one of you planning to be stay at home parent once you have 1 or 2 children? Not sure on childcare costs because since I work from home I will watch the kid(s) while she is at work and when the kid(s) are napping I can get some work ...

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