Search found 283 matches

by moneywise3
Sun Sep 10, 2017 2:11 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6023

Re: Luxury car: perception vs reality

I had a friend recently boast that in his 20 years of life since graduating college, he's spent $40k TOTAL on cars - including maintenance. He may have owned about 2 new and 2 used cars. My guess is about 15k each for new and under 5k each for used. He's not a mechanic type either. My guess is his N...
by moneywise3
Fri Aug 25, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is Geico a bait and switcher?
Replies: 32
Views: 4258

Re: Is Geico a bait and switcher?

Have been with Geico for 15 years. They have raised premiums every single renewal. Zero claims. I am losing trust in them.
by moneywise3
Sat Aug 12, 2017 6:06 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 17396

Re: Best place (with warm weather) to raise children

Dendritic Tree wrote:Asheville, NC is a mountain paradise and has excellent public schools.
Asheville is no warm weather. You can get 5 deg warmer in Greenville SC.
by moneywise3
Sat Aug 12, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 17396

Re: Best place (with warm weather) to raise children

abuss368 wrote:Tampa, Clearwater, or Sarasota Florida.
There are no hills though. Just some rivers filled with gators.
by moneywise3
Fri Aug 11, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6498

Re: What Percentage CASH are you?

About 37%, not including bonds. That includes emergency fund and down payment for the house. My target AA calls for 20% cash and 15% bonds. Sounds high?
by moneywise3
Sat Jul 15, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from TRP healthcare to Vanguard healthcare we
Replies: 6
Views: 513

Moving from TRP healthcare to Vanguard healthcare we

We have some funds in a Roth with TRP. We want to keep it in the healthcare sector fund but move to Vanguard. This would be easier to manage and lower ER 0.77 vs 0.34. Is there reason to believe TRP might do better than Vanguard in this case? Most of our portfolio is in index funds at Vanguard or wh...
by moneywise3
Thu Jul 06, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: What is a "sleeve"?
Replies: 34
Views: 3317

Re: What is a "sleeve"?

Watty wrote:This is a family friendly site but sleeve is slang for a condom.

I won't go any farther in explaining what "end sleeve" might refer to.
Most of non-index investing is financial porn anyway :)
by moneywise3
Wed Jun 28, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Moving from STAR fund to Balanced fund (VBIAX)
Replies: 4
Views: 621

Re: Moving from STAR fund to Balanced fund (VBIAX)

Thank you. I will strongly consider LifeStrategy Moderate.
by moneywise3
Tue Jun 27, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from STAR fund to Balanced fund (VBIAX)
Replies: 4
Views: 621

Moving from STAR fund to Balanced fund (VBIAX)

I had started an ESA with Vanguard and picked STAR fund (VGSTX) due to its low minimum. For a while the underlying 11 actively managed funds gave me some excitement. Overall STAR has 60% stocks and 40% bonds. Now the expense ratio (0.32) is starting to bother me. I looked for alternatives and found ...
by moneywise3
Tue Jun 27, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 9212

Re: Middle age job blues

This post is scary. Are there any positive stories from people in similar situation? I don't know what a positive story would look like. But something like, I never got laid off, organizations considered me a real asset over younglings, I found many employers willing to hire me, I found so many othe...
by moneywise3
Mon Jun 26, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4165

Re: Things to do in Iowa/Nebraska

Back in 2000, we had a great time with friends visiting Nebraska. Omaha was awesome with the zoo, aquarium et al. Those were the days without internet, and exploring places was a different kind of fun. I have great memories, and highly recommend it.
by moneywise3
Tue Jun 06, 2017 3:19 am
Forum: Investing - Help with Personal Investments
Topic: A Bogleheads success story
Replies: 20
Views: 5626

Re: A Bogleheads success story

Make sure he is rebalancing
by moneywise3
Tue Jun 06, 2017 3:17 am
Forum: Investing - Help with Personal Investments
Topic: High Income Earner Humbly Seeks Advice
Replies: 81
Views: 13868

Re: High Income Earner Humbly Seeks Advice

Appreciate your humility. Do you mind sharing your profession ?
by moneywise3
Mon Jun 05, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 3338

Re: Gas station prices and quality

All gas basically is the same except for the additives. Unbranded ones keep their costs low with low overhead and no advertising. How much additives help is still under research. Fuel injectors need to be replaced every so often anyway for one reason or the other. I wouldn't sweat the gas brand exce...
by moneywise3
Fri Jun 02, 2017 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 44
Views: 4681

Re: New Milestone

What is Personal Capital?
by moneywise3
Tue May 30, 2017 1:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Memorial Day
Replies: 28
Views: 3034

Re: Memorial Day

Grateful to the whole services community
by moneywise3
Thu May 18, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Forced Retirement
Replies: 28
Views: 3156

Re: Forced Retirement

vetdoc wrote:
moneywise3 wrote:Your wife has 75k annual income?


Yes

In that case meeting 110k is no-brainer
by moneywise3
Thu May 18, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Forced Retirement
Replies: 28
Views: 3156

Re: Forced Retirement

Your wife has 75k annual income?
by moneywise3
Fri May 12, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences/vacations - how much do people do
Replies: 24
Views: 2348

Re: Experiences/vacations - how much do people do

Atleast 1 major vacation a year (Disney, international, elsewhere in US), and 2-6 shorter vacations (2-4 days). Essential.
by moneywise3
Mon May 01, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Side gig, 1099 strategy
Replies: 15
Views: 1485

Side gig, 1099 strategy

I am considering starting a side gig for a few hours a week. This is in addition to my regular job that pays through W-2. This side gig will pay through 1099. Looking for ways to minimize taxes and keep it simple . Looking for advise on what option would be the best. Some options that come to mind a...
by moneywise3
Wed Apr 05, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's 6 best money and career tips for young people
Replies: 9
Views: 1846

Re: Jack Bogle's 6 best money and career tips for young people

The best one is "work hard as hell. it doesn't hurt"
by moneywise3
Tue Mar 21, 2017 12:34 am
Forum: Personal Finance (Not Investing)
Topic: 2.25% High Yield Checking - FSCU
Replies: 11
Views: 2025

Re: 2.25% High Yield Checking - FSCU

Put your 20k in a long term CD, and spend more time with the kids.
by moneywise3
Tue Mar 21, 2017 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Corrected W2 - Fed Filed, State not mailed yet
Replies: 1
Views: 189

Re: Corrected W2 - Fed Filed, State not mailed yet

Redo the state with the amended Federal return.
by moneywise3
Tue Mar 21, 2017 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2586

Re: Salary / employment verification

Remember that the desk staff is generally not very sharp, and may just reject your application because of missing info.
by moneywise3
Tue Mar 21, 2017 12:25 am
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 5189

Re: My son wants to move to Hong Kong

Contrary to popular belief, HK is fallible to political instability. With China economy tanking, its likely going to end up in political isolation by the world. Who knows what they might decide for the foreign nationals living there.
by moneywise3
Tue Mar 21, 2017 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3293

Re: Relocation to Milwaukee

Housing price range is 275-350k. Will send a PM when I have questions, TIA.

Just saw a video how WI is worst 10 with taxes in every category: sales tax, income and real estate :?
The job offer is still not dead though.
by moneywise3
Mon Mar 20, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 13587

Re: Paying $20 to E-File State Return

I paid $27 over several free ones. Worth every dollar.
by moneywise3
Mon Mar 20, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: How can my parents in India invest in U.S
Replies: 12
Views: 1199

Re: How can my parents in India invest in U.S

Probably not a good idea. It's the whole package deal: you invest where you live, where you get mortgage, where you pay income taxes, where your local currency is etc. All the rates and returns are linked. Amaravati real estate may still be the best bet for them.
by moneywise3
Mon Mar 20, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3293

Re: Relocation to Milwaukee

Unfortunately this forum does not have a "like" button for posts, so all of you treat this as my like for your replies!
by moneywise3
Mon Mar 20, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3293

Re: Relocation to Milwaukee

Phineas Gage wrote:The future growth in central Florida might also impact your future job situation/opportunities in addition to climate and no state income tax.
You mean to say the growth prospects in C FL are good?
by moneywise3
Mon Mar 20, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3293

Re: Relocation to Milwaukee

timmy wrote:What part or area of Mil. are you looking?

Brookfield, Elmbrook area for housing
by moneywise3
Thu Mar 16, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3293

Re: Relocation to Milwaukee

Thank you all. Cheers :sharebeer
by moneywise3
Wed Mar 15, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3293

Re: Relocation to Milwaukee

Thanks all. Currently in Orlando suburbs. Top school ranking and newer houses are top on our list. We just can't imagine living without these.
by moneywise3
Wed Mar 15, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3293

Relocation to Milwaukee

I have a potential job offer in Milwaukee area. While researching, I found the state income taxes are high. Housing is pretty expensive too - about $200/sqft for newer construction. Am currently in a no income tax state. I can expect a 10% raise in base pay. Long term opportunities seem better at th...
by moneywise3
Wed Mar 08, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 25031

Re: How to Die

You never die
by moneywise3
Wed Mar 01, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Is CreditKarma legit?
Replies: 16
Views: 2827

Re: Is CreditKarma legit?

Looks like CK can not handle foreign tax credit. Anyone that has an international fund would have this. So, its a no go for me, unless someone can suggest how to get around that.
by moneywise3
Tue Feb 21, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on promotion opportunity
Replies: 5
Views: 907

Re: Advice on promotion opportunity

It's a nice situation to be in, not a nice problem to have. At this point, you should think from company's perspective. Can they really afford another 15% raise? Its no longer you vs them. You are the company now. Either that or you take a lesser role somewhere.
by moneywise3
Thu Feb 16, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's the secret to happiness?
Replies: 39
Views: 3270

Re: What's the secret to happiness?

The biggest happiness in life is doing something for others. In fact that's the source of 99.99% of happiness. Doing something for yourself can only get you 0.001%. Yes it can be proven scientifically, but am not looking to convince the world.
by moneywise3
Wed Feb 08, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Airport for Tampa Area
Replies: 9
Views: 1120

Re: Airport for Tampa Area

Airlines flying to FL have a habit of giving their own names to airports- believe it or not. Bradenton, Daytona Beach, and all the names OP mentioned.
by moneywise3
Tue Jan 31, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Business opportunity questions
Replies: 5
Views: 668

Re: Business opportunity questions

Old gas stations with underground tanks can be a landmine of problems.
by moneywise3
Mon Jan 30, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - Let the Buyer Beware
Replies: 26
Views: 6343

Re: Suze Orman - Let the Buyer Beware

Suze Ormon is good for beginners who want an entertainment and celebrity path to get into personal finance. But once you have matured into Bogleheads philosophy, she's pretty useless.
by moneywise3
Mon Jan 30, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 6484

Re: Please tell me if I can afford this Porsche

If you don't mind, what professions lets you bring in $1M a year?
Happy for you.
by moneywise3
Mon Jan 30, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Do you recommend using credit karma's tax product?
Replies: 52
Views: 6554

Re: Do you recommend using credit karma's tax product?

Thanks for the CK reviews and clarification on foreign taxes.
by moneywise3
Mon Jan 30, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software for 2016?
Replies: 24
Views: 4750

Re: Tax Software for 2016?

Thank you
by moneywise3
Sun Jan 29, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Do you recommend using credit karma's tax product?
Replies: 52
Views: 6554

Re: Credit Karma for free tax prep software with efile

Foreign credit unavailability is a big deal, if I understand it correctly. Any international mutual fund has that.