Search found 96 matches

by tjschraf
Fri Jun 23, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Just married: now what?
Replies: 7
Views: 920

Just married: now what?

After 9 years together beginning in high school, we are married! Now that we are married and she has moved in, I have a few questions that I am hoping for some direction on. I've been a boglehead since getting my first internship back in 2013. I can't thank this site enough and all of the wonderful ...
by tjschraf
Thu Jun 08, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Michigan Education Trust
Replies: 10
Views: 624

Re: Michigan Education Trust

My parents bought the met back in the early 90s, it turned out to be a great thing. I graduated from umich in 2012 and believe the total cost of 4 year met was ~10-15k when they purchased it. I'd say, I made out. But I could see how many factors have to fall into place nicely.
by tjschraf
Thu Feb 02, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: online engineering degrees- waste?
Replies: 13
Views: 1798

Re: online engineering degrees- waste?

Wow, extremely insightful. Thank you very much. This would not be for immediate career development. My MBA is almost complete and I am just trying to determine the next step. I want to take advantage of all opportunities. I will also look into the masters. I just turned 27 and think I could have thi...
by tjschraf
Thu Feb 02, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: online engineering degrees- waste?
Replies: 13
Views: 1798

online engineering degrees- waste?

I graduated undergrad from a top 30 university 5 years ago. I am now doing my MBA at a local state university. I often kick myself for having not went the engineering route in undergrad. But what's done is done. I am currently in a manufacturing role that an ME degree would certainly not hurt me (no...
by tjschraf
Wed Jan 04, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: claiming 0 on income tax: expect return?
Replies: 3
Views: 632

Re: claiming 0 on income tax: expect return?

Perfect, thank you very much!
by tjschraf
Wed Jan 04, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: claiming 0 on income tax: expect return?
Replies: 3
Views: 632

claiming 0 on income tax: expect return?

Hello, I tried searching this but wasn't too lucky. In the past, I have always claimed 0 on my income tax (likely not a boglehead approach since it seems to be an interest free loan to the government). This is my first year where I expect a decent return since I have a deduction (I bought my first h...
by tjschraf
Wed Nov 23, 2016 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: 26 years old and planning for a lifetime ahead!
Replies: 6
Views: 1231

Re: 26 years old and planning for a lifetime ahead!

I appreciate all of the help. As far as the wedding, this expense will not be a small one but split in thirds between ourselves and our parents.
by tjschraf
Wed Nov 23, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: 26 years old and planning for a lifetime ahead!
Replies: 6
Views: 1231

Re: 26 years old and planning for a lifetime ahead!

Questions: 1. How should I better allocate the investments? The target date funds are fine for the retirement account. The things like three fund portfolio become important when you also have taxable investing accounts or you don't have good choices in your 401k. 2. Next year, when married, I plan ...
by tjschraf
Mon Nov 21, 2016 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: 26 years old and planning for a lifetime ahead!
Replies: 6
Views: 1231

26 years old and planning for a lifetime ahead!

Hello, Initially, I thought I would just put money into target date funds and call it a day. I have to admit that I have a lot to learn and plan to. I am 26 years old and engaged to be married next year. For now, I will only include my numbers. This was quite an expensive year for me and I am curren...
by tjschraf
Thu Sep 08, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Salaried employees: Bill employer for overtime?
Replies: 17
Views: 2271

Salaried employees: Bill employer for overtime?

I read often and rarely post but just curious to hear thoughts from the BH community. I work for a top company in the world in a manufacturing role (love manufacturing). With it generally comes long hours and phone calls in the middle of the night. I am okay with this and am not complaining. Recentl...
by tjschraf
Mon Aug 22, 2016 8:10 pm
Forum: Personal Consumer Issues
Topic: Honeymoon - Alaska or Greece
Replies: 22
Views: 2037

Honeymoon - Alaska or Greece

Yes, polar opposites. But, the two places we would like to go. I am leaning towards Alaska since this will be the hardest state to cross off my 50 state goal in the future. But, I do want to go to Greece and so does she. I have been off the hook on all wedding planning aside from the honeymoon (my t...
by tjschraf
Tue Jul 19, 2016 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Growing up and becoming an adult, lots of questions!
Replies: 19
Views: 2820

Re: Growing up and becoming an adult, lots of questions!

I would max out all retirement accounts before paying down mortgage. Disability insurance is a must, as you are 3 times more likely to be disabled as die. Life insurance maybe not necc right now, but a must if you start a family. Debt to family is fraught with problems, I would come up with a defin...
by tjschraf
Tue Jul 19, 2016 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Growing up and becoming an adult, lots of questions!
Replies: 19
Views: 2820

Re: Growing up and becoming an adult, lots of questions!

Thank you all very much, I really appreciate it. I will definitely be looking into disability insurance as well as term life now that that is brought up. As far as the wedding, we've been together for over 8 years now and neither of us want to spend too much on this but I think setting a firm budget...
by tjschraf
Mon Jul 18, 2016 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Growing up and becoming an adult, lots of questions!
Replies: 19
Views: 2820

Growing up and becoming an adult, lots of questions!

It's been a little while since I posted on here with questions. Last helpful advice was when I was purchasing my first home at the end of 2015. Funny, looking back at my posts when I was upset buying appetizers for my then girlfriend, now fiancé :P :sharebeer I think this is the right section for th...
by tjschraf
Mon Mar 28, 2016 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: bought house on 12/31- any tax benefits
Replies: 6
Views: 755

Re: bought house on 12/31- any tax benefits

This was very helpful and I can thank this forum once again!

Thank you :moneybag
by tjschraf
Mon Feb 15, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: bought house on 12/31- any tax benefits
Replies: 6
Views: 755

bought house on 12/31- any tax benefits

Hello all, Long time lurker, been a while since I posted. I purchased my first home on 12/31/15 and am doing my taxes right now. I was told that I could potentially write off my closing expenses? I have tried to read online and it looks like points are what I can write off but I don't see in my pape...
by tjschraf
Wed Mar 11, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: parents buying rental condo- questions
Replies: 6
Views: 995

Re: parents buying rental condo- questions

Thanks for the reply so far. It's an interesting situation. It's essentially buying a hotel room. There are 43 rooms and they would own 1/43. It's a cash deal. The location is huge and its a very exclusive neighborhood. My brother lives in it too. He will likely not be leaving any time soon he's a c...
by tjschraf
Tue Mar 10, 2015 4:33 pm
Forum: Personal Consumer Issues
Topic: parents buying rental condo- questions
Replies: 6
Views: 995

parents buying rental condo- questions

Hello all, This forum has been loads of help for me since joining and I am hoping that someone can give me some insight on this. I know it's largely not my business, but I want to make sure my parents are making the right decision. My mom has been very excited to do it and they have accepted her off...
by tjschraf
Wed Feb 04, 2015 8:11 am
Forum: Personal Finance (Not Investing)
Topic: job advice: move to Florida Keys??
Replies: 21
Views: 4043

Re: job advice: move to Florida Keys??

Uodate: I made it to the keys last Friday. I really appreciate everyone's responses and thank you very much! Now I just need to start making some money lol
by tjschraf
Sat Jan 03, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: job advice: move to Florida Keys??
Replies: 21
Views: 4043

job advice: move to Florida Keys??

Hello all, It's been a while since I have posted on here. I absolutely love reading all of the threads and am always addicted. Last time I have asked for job advice it seemed to be beneficial so I am hoping for some help here. I just turned 25 and am in a co-op position for a large company. I am a c...
by tjschraf
Fri Mar 07, 2014 12:43 am
Forum: Personal Consumer Issues
Topic: where to go to make a database
Replies: 5
Views: 569

Re: where to go to make a database

Thank you all! This weekend is dedicated to a lot of research! All the info is so helpful
by tjschraf
Mon Mar 03, 2014 10:14 pm
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 8918

Re: Used $35k Porsche on $64k income?

The numbers all work if you ask me. But what I would want is something a bit more reliable or at least with a warranty. The porsche will most likely not have a warranty. I have cranes, a four post lift, and tools and nice discounts and would still be terrified driving that porsche without a warranty...
by tjschraf
Mon Mar 03, 2014 10:08 pm
Forum: Personal Consumer Issues
Topic: where to go to make a database
Replies: 5
Views: 569

where to go to make a database

I am in no way a computer person but I am making a website (or having one made). It's been a long time passion and plan and I want to bring it to fruition. I have some questions though: I will need a searchable database. Essentially, I will need capabilities for a user to input different information...
by tjschraf
Thu Feb 13, 2014 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Colleague given land in Fla Keys
Replies: 25
Views: 2419

Re: Colleague given land in Fla Keys

What key ?

My brother just bought a house in key colony beach (exclusive part of marathon key). Its booming there!
by tjschraf
Thu Feb 06, 2014 8:14 am
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 64
Views: 8971

Re: $25K Budget for a Fun Car

1987 Buick grand national?
by tjschraf
Wed Jan 29, 2014 1:45 am
Forum: Personal Finance (Not Investing)
Topic: How long did it take to realize compounding interest
Replies: 45
Views: 5558

How long did it take to realize compounding interest

I am a relatively younger boglehead at 24 and this question has had me wondering. How long did it take in say, your vanguard account, to really get hooked? Now, I don't doubt it at all nor do I check it often (checked my account once since my 2013 contributions). But from many older people I talk to...
by tjschraf
Mon Jan 20, 2014 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Car Decision - Switching Worth it?
Replies: 8
Views: 1101

Re: Car Decision - Switching Worth it?

If you want a prius....NO BRAINER.

$2,000 isn't the end of the day. Do yourself a favor and look into a volt.
by tjschraf
Mon Jan 20, 2014 11:08 pm
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 6521

Re: Truck/Car Envy....How do You Deal with It?

I battle this daily. I have averaged during my lifetime of driving ~2-4 cars per year. I do it in a way where I do not lose, and if I do, it's not a horrible loss. I love cars and always will. I have more than an obsession, they are my absolute passion. I agree life is short and enjoying what you dr...
by tjschraf
Thu Jan 16, 2014 3:26 pm
Forum: Personal Consumer Issues
Topic: Car miles vs air miles???
Replies: 9
Views: 943

Re: Car miles vs air miles???

Put the miles on your car!!! That's why you own it. My father, not the most bogleheaded decision, drives a new f250 40k miles a year and will not hesitate to drive it across the country. You have very low miles and good fuel economy to boot.
by tjschraf
Wed Jan 15, 2014 10:40 am
Forum: Personal Consumer Issues
Topic: engineering certifications
Replies: 15
Views: 1489

Re: engineering certifications

I said I haven't done the math. I have no problems doing the math. I don't think it's a smart decision to begin another 4 year degree and get the engineering degree when I am 24 and completed undergrad and almost an MBA. I don't see it as the smartest thing to do. What I asked for was other potentia...
by tjschraf
Wed Jan 15, 2014 9:42 am
Forum: Personal Consumer Issues
Topic: engineering certifications
Replies: 15
Views: 1489

Re: engineering certifications

Thank you all for the replies. I just never thought of it initially and do not deem it worth it to go back if it means another whole degree. I have not even done the math and science prereqs. I will see if I can speak to an advisor at the school I am doing my MBA at and see if they have any recommen...
by tjschraf
Wed Jan 15, 2014 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Should my son pay me rent, utilities, etc...?
Replies: 124
Views: 11928

Re: Should my son pay me rent, utilities, etc...?

In my opinion, all kids develop differently and it's just a matter of finding that motivation. He will always make do, everyone finds a way. Even if it is not the ideal path. Your son has a job and has had it for a while. College is not for everyone. How is your overall relationship with him? The ma...
by tjschraf
Wed Jan 15, 2014 1:11 am
Forum: Personal Consumer Issues
Topic: engineering certifications
Replies: 15
Views: 1489

engineering certifications

To make a long story short, when I was in my undergrad I never thought of doing engineering. Now, that I work so closely with engineering in my field, I trouble myself with why I did not do my degree in engineering. I am wondering if there is a way to go back without having to get another bachelors ...
by tjschraf
Fri Jan 10, 2014 2:47 pm
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 4404

Re: Any Car Enthusiasts?

Wow, didn't know there were so many of you on here. Great list of cars too. I was thinking about Z06/Viper combinations but in the end, living in California is not the greatest for if you want to modify your car. At least with old school muscle, you are smog exempt for anything older than 1975 whic...
by tjschraf
Fri Jan 10, 2014 1:23 pm
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 4404

Re: Any Car Enthusiasts?

Wow, didn't know there were so many of you on here. Great list of cars too. I was thinking about Z06/Viper combinations but in the end, living in California is not the greatest for if you want to modify your car. At least with old school muscle, you are smog exempt for anything older than 1975 whic...
by tjschraf
Thu Jan 09, 2014 2:47 pm
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 4404

Re: Any Car Enthusiasts?

Not a car fan myself, but honest question here - How the heck to you young guys afford to buy so many cars at such a young age? Even if you're getting them heavily used for $2000 range, even two of those would break the bank of most 18-22 year old guys. I probably would have been a car guy myself, ...
by tjschraf
Thu Jan 09, 2014 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and Money
Replies: 32
Views: 3957

Re: Marriage and Money

Similar situation as you...just read your car post too and replied. I have had a long term girlfriend and I have always been anti debt, she has around 40k...it terrifies me and I am nowhere near your income level (24 years old though and in grad school). I will not graduate grad school without any d...
by tjschraf
Thu Jan 09, 2014 11:00 am
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 4404

Re: Any Car Enthusiasts?

I am on the same page as you!! I switch quite a bit, since turning 16 (24 now): -2001 Camaro v6 (bought a year before I got my license at 15) -2005 Hummer H2, 2004 Chrysler 300m, 2006 Pontiac GTO (torrid red)- drove quite a bit through high school parents cars at the time -2001 Lexus IS 300 (great c...
by tjschraf
Fri Jan 03, 2014 12:10 pm
Forum: Personal Consumer Issues
Topic: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.
Replies: 18
Views: 2553

Re: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.

I would stay away from the IS250. They are known to have carbon build up (your warranty will cover it however). I have heard they are very sluggish as far as power is concerned. The new body style has just come out. I think the price is too high as well. I bought a 2006 IS 350 in 2011 with 18k miles...
by tjschraf
Wed Dec 18, 2013 2:17 pm
Forum: Personal Consumer Issues
Topic: 2012 vehicle, high mileage, former rental. Opinions?
Replies: 42
Views: 3595

Re: 2012 vehicle, high mileage, former rental. Opinions?

go for it, you have 1 year to figure out the little problems (warranty). You also have a good powertrain warranty. Who beats on Impala rentals? I feel sorry for the people who beat on them for enjoyment....
by tjschraf
Tue Dec 17, 2013 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Vehicle Allowance or Company Vehicle?
Replies: 17
Views: 926

Re: Vehicle Allowance or Company Vehicle?

I would never take a car that I am constantly being watched in. $1000 per month can get you the car of your choice most likely including insurance and gas. I would take that in a heart beat. A flat tire is not expensive. You pull over, put the spare on, and replace the one tire. For as seldom as the...
by tjschraf
Sun Dec 15, 2013 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1880

Re: Job questions please help!!

Thank you guys very much this has been very helpful. I really have taken it all into account and am pretty nervous since I have to decide by TOMORROW. Anyway, I have worked very closely with a family friend over the years planning from my family friend who is an executive recruiter. She echoed the &...
by tjschraf
Sun Dec 15, 2013 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1880

Re: Job questions please help!!

OP Here, Well thank you all so much for your help. I have taken it all and it has helped me. I think this is the last of this thread, but I hit another "issue". I went to the interview Friday for the job I did not think I would take, since it was another co-op and assumed less pay. Well, t...
by tjschraf
Wed Dec 11, 2013 4:06 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your cars? Why do you replace it?
Replies: 72
Views: 6453

Re: How long do you keep your cars? Why do you replace it?

On average less than a year to a year. Sounds bad but it works for me. I always buy used from private owner. Drive for 10-20k miles and try to sell just around the price I have into it including taxes. Now I do not include maintenance of say oil changes, tires, etc. Since in my opinion, no matter wh...
by tjschraf
Wed Dec 11, 2013 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1880

Re: Job questions please help!!

Thank you guys. I would have no problem going if it weren't for me being at work. Now I need to think up another excuse. I am someone who hates missing things period. Seems I have been missing a lot lately for interviews. I suppose I'll go anyway.

Any other suggestions, please offer them up.
by tjschraf
Wed Dec 11, 2013 9:07 am
Forum: Personal Consumer Issues
Topic: Tips for buying a $2,000 car
Replies: 31
Views: 3859

Re: Tips for buying a $2,000 car

You might also take a look at older Lexus or Acura models. I bought a mid-90's sedan in your price range from my mechanic. It was a single-owner car (until the mechanic bought it) with a full set of dealer service records. You get the Totyota/Honda reliability, but because the cars are so old, you ...
by tjschraf
Wed Dec 11, 2013 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1880

Re: Job questions please help!!

OP HERE, UPDATE: I thank you all very much for your sound advice it helped me tremendously and, two weeks ago, I went to my boss and spoke to him very honestly. He was getting ready to leave the country again. He told me that the decision had already been made that I was staying and there were no is...
by tjschraf
Thu Dec 05, 2013 3:09 pm
Forum: Personal Consumer Issues
Topic: Should I sell my car, or wait?
Replies: 23
Views: 1581

Re: Should I sell my car, or wait?

Are there any cars that work as daily drivers that could fit your desire for a fast car? Subaru STi or whatever their sporty version is? Audi TT? My brother drove around the old Acura Type R for a long time with this in mind exactly. As for your predicament though. A private party sale may take a l...
by tjschraf
Thu Dec 05, 2013 3:03 pm
Forum: Personal Consumer Issues
Topic: Should I sell my car, or wait?
Replies: 23
Views: 1581

Re: Should I sell my car, or wait?

well, me being a car person, I understand that completely. Why do you have to trade it in? Why not sell privately? I have an extra car that is very nice- 20k miles, 500 hp, and immaculate, it sits in the garage during the winter. I picked up a $3,000 Lexus to drive for the next few months and will ...
by tjschraf
Thu Dec 05, 2013 2:30 pm
Forum: Personal Consumer Issues
Topic: Should I sell my car, or wait?
Replies: 23
Views: 1581

Re: Should I sell my car, or wait?

well, me being a car person, I understand that completely. Why do you have to trade it in? Why not sell privately? I have an extra car that is very nice- 20k miles, 500 hp, and immaculate, it sits in the garage during the winter. I picked up a $3,000 Lexus to drive for the next few months and will s...

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