Search found 838 matches

by new2bogle
Fri Apr 21, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Closing unused credit cards
Replies: 6
Views: 604

Re: Closing unused credit cards

I'm not getting new credit soon that I can think of (refinanced mortgage last summer, no car purchases, no new CC that I can think of unless a stellar Airline miles deal comes along). Score right now is 792/798 in Credit karma. I think to me the fraud dollar amount isn't the issue as much as missing...
by new2bogle
Fri Apr 21, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Closing unused credit cards
Replies: 6
Views: 604

Closing unused credit cards

I was looking at my credit report today (through credit karma) and noticed that I have several credit cards open that I haven't used in almost a decade. Should I close these? I know things like length of credit open help your credit score and having open but not used credit reduces my overall utiliz...
by new2bogle
Tue Apr 18, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of stuff would you never DIY, assuming you could?
Replies: 75
Views: 5635

Re: What kind of stuff would you never DIY, assuming you could?

Have always DIY'd things on my car, never brought it into the shop except for tire replacements, smogging and alignment issues. Just about everything else I do, including tire rotations. I've probably saved thousands over the years, gained a ton of knowledge, and have a bunch of tools now which ext...
by new2bogle
Tue Apr 18, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 82
Views: 6321

Re: Did anything surprise you in your 2016 taxes?

Filed my extension today as I do every year on tax day. Nothing surprising in my taxes from last year though
by new2bogle
Tue Apr 18, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 4946

Re: Can I afford private school for my kids?

You can afford it if you can cut back on other things. I don't think you can afford in addition to everything else. When I went to college, my impression of home-schooled students and Christian schooled students were that they didn't really fit into the general freshman class. Both of these groups o...
by new2bogle
Tue Apr 18, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 10783

Re: My kids don't care about saving

I am so glad I blew my money in my 20s on trips like backpacking to Europe or dating or hanging out in Vegas. It was so fun. Wouldn't do it in my 40s. And I had a gr at car too. It was fun. I couldnt care less that I don't have that money now. This. I can't remember how much money I "wasted&qu...
by new2bogle
Tue Apr 18, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2227

Re: Week in San Diego - What to do?

Buon Appetito Restaurant in Little Italy. Excellent food!
by new2bogle
Mon Apr 10, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing to put less than 20% down...why is this wrong?
Replies: 51
Views: 4909

Re: Choosing to put less than 20% down...why is this wrong?

My wife and I were in this situation in 1997. For a house that cost us $408K. We *could* have put 20% down, but then would have been low on cash. Instead, we got an 80/10/10 mortgage (technically, two mortgages). So, first mortgage was for 80% of value ($320K) , no PMI, 30 year fixed. Second mortga...
by new2bogle
Fri Apr 07, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Buy Car Outright or Finance it?
Replies: 9
Views: 626

Re: Buy Car Outright or Finance it?

Almost same thread very recently. I posted there that I did get a 0.9% loan because I thought my money would do better in the market over loan life and so far it has. But that is just luck.

viewtopic.php?t=214959#p3301946
by new2bogle
Fri Apr 07, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Try to decide 401K or IRA.
Replies: 11
Views: 779

Re: Try to decide 401K or IRA.

I have been contributed max amount allowed by IRA to my 401K at work and not contribute to IRA. After reading the posts, this is what I think I need to do from now on: 1. Contribute to get max match from the employer. 2. Contribute max to either traditional or Roth IRA 3. Contribute whatever left t...
by new2bogle
Fri Apr 07, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1652

Re: HDHP's - Does your employer offer them?

bloom2708 wrote:.

Costs have to become more transparent. ... Much transparency needed.


I completely agree with this. And to add that not only should costs be transparent, but they shouldn't change when an scheduled doctor decides to stick her/his head in an operating room and then billing for it.
by new2bogle
Fri Apr 07, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1652

Re: HDHP's - Does your employer offer them?

The insurance agent said pricing on the HDHPs has gone up because the insurance company found they weren't really reducing utilization. This is an interesting piece of information. When my employer moved from a cadillac PPO (basically all expenses paid) to an HDHP/HSA plan, I definitely started thi...
by new2bogle
Fri Apr 07, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1652

Re: HDHP's - Does your employer offer them?

The insurance agent said pricing on the HDHPs has gone up because the insurance company found they weren't really reducing utilization. This is an interesting piece of information. When my employer moved from a cadillac PPO (basically all expenses paid) to an HDHP/HSA plan, I definitely started thi...
by new2bogle
Fri Apr 07, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 13326

Re: Social Security for Millennials

I am Gen-X and I plan to not have any SS available to me. I am sure there will be something when I retire, which will mean my kids will have a bigger inheritance.
by new2bogle
Wed Apr 05, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 149
Views: 10288

Re: Virtual Private Networks (VPNs)

I suggest that the speed and seamlessness of a VPN should NOT be used as sufficient reasons to recommend it. This is similar to NOT recommending a mutual fund on the basis of impressive charts of its past performance. Or NOT recommending a surgeon on the basis of her bed manners. Free VPNs are the ...
by new2bogle
Wed Apr 05, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 1703

Re: Advice on setting up a network-level VPN

I live in the U.S. and would like to take back my internet privacy... by force. Specifically, I want to sign up for a VPN service that I can connect to through my router (instead of having to install a software client on each computer/device in my house). Has anyone had any luck with this, and if s...
by new2bogle
Wed Apr 05, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 1703

Re: Advice on setting up a network-level VPN

I live in the U.S. and would like to take back my internet privacy... by force. Specifically, I want to sign up for a VPN service that I can connect to through my router (instead of having to install a software client on each computer/device in my house). Has anyone had any luck with this, and if s...
by new2bogle
Wed Apr 05, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Flights with limited pre-assigned seating benefits
Replies: 49
Views: 2700

Re: Flights with limited pre-assigned seating benefits

Internet cafe on that day while you are touring the city?
by new2bogle
Wed Apr 05, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 5296

Re: Help with college choice

NJDMD wrote:Go Big Red


Is University of Nebraska on the table?

:P
by new2bogle
Wed Apr 05, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23435

Re: Low-earners- What is your profession?

I have heard of a doctor couple who has 1.2 million in student loan debt. Astounding. I have not personally heard of student debt approaching that, though I suppose it is possible. But if they each took jobs paying $300K/year (less than median surgeon salary), lived off $200K/year pre-tax (quite a ...
by new2bogle
Tue Apr 04, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23435

Re: Low-earners- What is your profession?

I'm a surgeon in private practice for 30 years. Used to be a "high earner". Last 2 years I couldn't even take a paycheck to keep my practice afloat. Obamacare is ruining us. Most young doctors want to go and work for a hospital or network for a fat salary right out of training, and I can'...
by new2bogle
Tue Apr 04, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs for less...Has anyone done this....
Replies: 46
Views: 3597

Re: Switching Jobs for less...Has anyone done this....

Yes I have - not everything is about money and getting the right work-life balance is a better goal. Agreed. I have sacrificed my career to be home with the kids while they are young. Not putting in 60+ hours at work has definitely hampered my career as I only do the work required + enough extra to...
by new2bogle
Tue Apr 04, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 1703

Re: Advice on setting up a network-level VPN

Now that our privacy rights have been officially removed, what effect will this actually have?

I will probably get a VPN now (either PIA or ExpressVPN) but I wonder if this whole argument is a bit overblown?
by new2bogle
Mon Apr 03, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23435

Re: Low-earners- What is your profession?

You won't like the answer; 0. Two earner family. 1. Could not afford to buy house, so rent in a cheap place. 2. Could not afford to buy vehicle, so walk or ride bike to jobs. 3. Delay having children, so money goes to investments for many early years. Children go to public schools and before that i...
by new2bogle
Mon Apr 03, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23435

Re: Low-earners- What is your profession?

I just want to give OP some appreciation for making an insightful as well as refreshing thread. Some posters in this thread stated that they can retire at an early age (less than 50 yrs. old) even though they are categorized as low-income earners. How is this achievable? Is it simply living in the ...
by new2bogle
Thu Mar 30, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 143
Views: 8064

Re: When do you plan to die?

Hopefully not more than 75
by new2bogle
Wed Mar 29, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 149
Views: 10288

Re: Virtual Private Networks (VPNs)

Picked up PureVPN the end of last year. Went on sale via Stack Social for $50 total for a lifetime membership. They're based in Hong Kong. They have a very large number of servers around the world. Getting started required a few chats with them;but, very good customer service and website. At home m...
by new2bogle
Tue Mar 28, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Should we take 0.9% auto financing?
Replies: 27
Views: 2012

Re: Should we take 0.9% auto financing?

Do you finance your furniture and televisions? Also, if you finance the car, are you actually going to invest the remaining money ? If not, then obviously but it in cash. Generally speaking, it is a bad idea to finance your consumer goods in order to invest. :beer Generally speaking says who? Why s...
by new2bogle
Tue Mar 28, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Picture / video / file backup
Replies: 44
Views: 1225

Re: Picture / video / file backup

onourway wrote:Crashplan is fantastic for a real backup service. $5.00/month for unlimited storage.


+1

I have Crashplan too and find it VERY easy to use.
by new2bogle
Fri Mar 24, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4368

Re: How did you do your income taxes?

TaxAct for past few years and will use TaxAct again this. They had a promotion this week for TaxAct Premier Federal + 1 State for $10. So good to be a procrastinator.
by new2bogle
Mon Mar 20, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 3977

Re: Investing in - WATER - thoughts

Water is so yesterday. I would invest in canned air.

Image
by new2bogle
Mon Mar 20, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 6858

Re: It's worth remembering that bull markets don't last forever

This with a Conservative government in power, no war, no revolution, no major civic unrest (outside of Northern Ireland). So stock markets can lose a lot of value even without the usual suspects in play. I don't know why you think a Conservative government is better for the stock market? Historical...
by new2bogle
Mon Mar 20, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 102
Views: 5190

Re: Best way to expand my vocabulary?

Read "The New Yorker"

Even the restaurant reviews are superbly written. I have also learned a great deal from the various articles. It's the only magazine I will read.
by new2bogle
Mon Mar 20, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4455

Re: Collection Agency - Are you kidding?

Comcast did a similar thing to me over a decade ago.... they didn't show up to pick up the cable box when I was moving, the local office was closed by the time this was apparent, and I was moving 300+ miles away so I couldn't stick around and take it back the next day. Comcast's customer service to...
by new2bogle
Mon Mar 20, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4455

Re: Collection Agency - Are you kidding?

I received a letter about a year ago from a debt collector (a notorious one in fact) for a debt that WAS real. (I had forgotten to pay a Walgreens bill - it was my own fault. I called Walgreens and paid them directly with no issue). But to the debt collector I sent this letter, unsigned : To Whom It...
by new2bogle
Tue Mar 07, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Paying Too Much in Expense Ratio?
Replies: 27
Views: 1777

Re: Am I Paying Too Much in Expense Ratio?

I'm at Fidelity cause that is where my 401k is and I can find low cost funds there too. I'd be at Vanguard otherwise and follow the advice here. Fidelity is known for a bit better service, and they have been very helpful in setting things up, pulling money in from various other accounts into one pl...
by new2bogle
Fri Feb 17, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 36
Views: 5736

The russians are hacking me

I have a LogMeIn.com account which I do not use and in which I have no stored passwords. I got an email this morning that an attempt had been made to try to access my LogMeIn account, here's the snippet: There was a failed login attempt to your LogMeIn account. LogMeIn ID: xxx@xxx.xxx Time of Event:...
by new2bogle
Tue Feb 14, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 116
Views: 13139

Re: The Wall Street Journal to close Google loophole entirely

linenfort wrote:
mr_breen wrote:I just came across this article...


The journalists want to be paid for their journalism? The nerve! :D


If only they were journalists!
by new2bogle
Tue Feb 14, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan early or contribute to Roth IRA(s)?
Replies: 24
Views: 1614

Re: Pay off car loan early or contribute to Roth IRA(s)?

Roth IRA for sure. 0.9% is like free money. My car loan is also at 0.9% and I for one am putting no extra payments towards it.
by new2bogle
Tue Feb 14, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 65
Views: 4580

Re: New cars or Pool?

I would not get a pool. Several of my aunts/uncles have pools and they claim it is the biggest money sink in maintenance costs. Another multi-millionaire friend I know ($50+ million) doesn't use his heated pool's heating capabilities because "it is too expensive". He is known to be a cheap...
by new2bogle
Mon Feb 13, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Verizon wireless unlimited data plan
Replies: 16
Views: 2768

Re: Verizon wireless unlimited data plan

It's an attractive option (especially the included tethering) and I'll be taking a close look. However, according to what I've read online, this plan won't be eligible for employee discounts. If so, then it will be more expensive than my current plan and I'll probably not switch. Yup, I was interes...
by new2bogle
Fri Feb 10, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 6619

Re: Terrible negotiation - need help with words to use [Buying a car]

As some posters have noted, negotiate over email. When I bought a new car, I sent an email to all Honda dealers in a 200 mile radius. I knew the price I wanted and one dealer actually beat that price on their first email. No other dealer came close (though two called and asked what price I got and t...
by new2bogle
Fri Feb 10, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 2816

Re: Worth it to get 300 Mbps internet?

I pay $69 for 200/20 service and through my hardwired PC connection get ~250/24 Mbps speeds. I have a new (~3 months old, $70) gigabit/AC wifi router that sits on a different floor and still gives me a ~200/23 Mbps connection on 5GHz. On 2.4GHz (N wifi) I get ~100/23 in the same spot. Wifi speedtest...
by new2bogle
Tue Feb 07, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5857

Re: Hardwood floors vs Wood Look Tile?

I agree with PowDay above. I'm too concerned that the wood-look tiles will be a weird trend that we look back on in 20 years and ask ourselves what in God's name we were thinking (like old appliance colors from the 60s and 70s, shag carpet, conversation pits, basically anything "modern" f...
by new2bogle
Tue Feb 07, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5857

Re: Hardwood floors vs Wood Look Tile?

I've seen the wood look tiles on the first floor of my friend's house - it looks nice and the durability of tile is great. That being said, we put down 1/2 inch thick laminate flooring which visitors always mistake for hardwood due to its quality. With three young kids though, we should have gone wi...
by new2bogle
Mon Feb 06, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 61
Views: 5072

Re: Does anybody else out there still pay for an email address?

I will never use free mail. It "bogles" my mind that so many people, apparently, are unwilling to pay less than 1.70 USD per month for quality mail hosting. dm200, you are correct to pay for email. It's just that Earthlink might not be the best choice. There are many great choices out the...
by new2bogle
Sat Feb 04, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Microsoft requires cell number
Replies: 36
Views: 2620

Re: Microsoft requires cell number

Not only for microsoft, for everything else outside your personal life, you can use google voice. Text to your google voice number will be forwarded to your gmail. Voice mail will be transcribed and sent to gmail. Calls can be directed to your land line or any other phone number you want, even to y...
by new2bogle
Fri Feb 03, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Where to Park Emergency Fund to protect against inflation
Replies: 32
Views: 3891

Re: Where to Park Emergency Fund to protect against inflation

I have our emergency fund in vested in VWINX. It's a balanced Vanguard fund that's 60% bonds / 40% mega blue chip stock. It's only lost money in six of its 47 years, and it 'only' lost 9.84% in its worst year ever, 2008 (and it recovered all of that plus in 2009). Considering that I'm not likely to...
by new2bogle
Fri Feb 03, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: When to file income tax
Replies: 12
Views: 1614

Re: When to file income tax

I usually file in September.
by new2bogle
Fri Feb 03, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8488

Re: How do you guys ignore this stuff?

DSInvestor wrote:Stop watching cable news and financial news.


+1 million. I really believe my health has improved after I stopped watching: Fox News, CNN, MSNBC, CNBC, etc. I used to watch all, now none.

I know a lot more about sports now too.

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