Search found 233 matches

by ugaDAWGS09
Wed Apr 27, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be purchasing international in 401k
Replies: 1
Views: 169

Should I be purchasing international in 401k

I'm 30 years old and try to maintain my AA about 70/30. My current investments are as follows: 401k (150k) Vanguard Index (VINIX) which follows S&P 500 - 55% Vanguard Ext. Market Index (VIEIX) - completion index - 15% Stable Value Fund (2.2% return over 1 year) - 30% Roth (35k) Wellington Fund -...
by ugaDAWGS09
Mon Mar 14, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Planning a quick 3 day trip to Boston
Replies: 33
Views: 1934

Re: Planning a quick 3 day trip to Boston

Top things I'd suggest in rough order of my personal preference (YMMV): Kennedy Presidential Library (awesome site by water, very interesting) Freedom trail(including USS Constitution if it is open yet, was being renovated recently) Aquarium MFA Fenway (tour is nice, did it with kids school once) G...
by ugaDAWGS09
Sun Mar 13, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: Planning a quick 3 day trip to Boston
Replies: 33
Views: 1934

Re: Planning a quick 3 day trip to Boston

Thanks everyone, we will definitely plan on doing Freedom Trail and the Fenway tour. I've also read about the Museum of Science being really nice. I've read about Back Bay and the theatre district being a good central location.
by ugaDAWGS09
Sun Mar 13, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Planning a quick 3 day trip to Boston
Replies: 33
Views: 1934

Planning a quick 3 day trip to Boston

Hey my wife and I are going up to Boston for a quick 3 day trip in July. Looking for any advice on best location to stay for easier walking to main attractions, and what are some attractions/history locations that are must see while we are there. We are going to be attending a concert at Gillette St...
by ugaDAWGS09
Sat Feb 06, 2016 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Tax question for my brother
Replies: 8
Views: 734

Re: Tax question for my brother

I guess it's kind of confusing for me. I would assume he would pay taxes based on any gain he has made after all expenses in his business. He usually gets a good refund each year with his kids, but will he be able to get a good tax refund if he shows a loss and doesn't actually have any net gain for...
by ugaDAWGS09
Fri Feb 05, 2016 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question for my brother
Replies: 8
Views: 734

Tax question for my brother

My brother has decided to start up a bee business. He is going to use quicken books to track his earnings/losses each year for tax purposes. He is married and has 2 kids and normally makes about 60k a year at his current job (which he will no longer be working at due to a lay off). He was able to ge...
by ugaDAWGS09
Tue Jan 05, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Any Good Special Offers for CD's in the New Year?
Replies: 10
Views: 1127

Re: Any Good Special Offers for CD's in the New Year?

I've been looking for a good 5 year cd and the best I've saw is 2.45% . Not sure if I want to jump in or wait a few weeks to see if any rates start to increase.
by ugaDAWGS09
Fri Jan 01, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage interest question
Replies: 10
Views: 1224

Re: Mortgage interest question

I read somewhere about only the part above the standard deduction is figured since I would get that either way. It seemed simple but wasn't sure
by ugaDAWGS09
Fri Jan 01, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage interest question
Replies: 10
Views: 1224

Mortgage interest question

I need help figuring out how much of a return on my taxes is due to my mortgage interest. I'm married in the 28% tax bracket (6% state if that matters) and last year my itemized deductions totaled 19,800. My mortgage interest was $7000 worth of this total amount. How can I figure out how much of my ...
by ugaDAWGS09
Thu Dec 31, 2015 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Investing in CDS after tax advantaged
Replies: 18
Views: 1395

Re: Investing in CDS after tax advantaged

I bonds are currently paying 1.64%, but I can get 2.4% on a 5 year CD. What's the advantage of the I-bond?
by ugaDAWGS09
Thu Dec 31, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Investing in CDS after tax advantaged
Replies: 18
Views: 1395

Re: Investing in CDS after tax advantaged

Yes paying off the mortgage is going to be better financially in that case. You are only going to get about 2.5% on a CD which is taxed pretty heavily at your rate (+state tax if you are in GA!). Paying off your mortgage with the extra is the same as putting it into a CD with 3.875% interest. If yo...
by ugaDAWGS09
Tue Dec 29, 2015 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in CDS after tax advantaged
Replies: 18
Views: 1395

Re: Investing in CDS after tax advantaged

Yes paying off the mortgage is going to be better financially in that case. You are only going to get about 2.5% on a CD which is taxed pretty heavily at your rate (+state tax if you are in GA!). Paying off your mortgage with the extra is the same as putting it into a CD with 3.875% interest. If yo...
by ugaDAWGS09
Sun Dec 27, 2015 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in CDS after tax advantaged
Replies: 18
Views: 1395

Re: Investing in CDS after tax advantaged

The only problem is that I don't know if I should tie up all my liquid assets into my home. My home is valued about 350k which is a little less than I currently have in investments/savings. I understand that paying it off gives me a better return but it I'm already doing double payments so we are wa...
by ugaDAWGS09
Sun Dec 27, 2015 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in CDS after tax advantaged
Replies: 18
Views: 1395

Re: Investing in CDS after tax advantaged

Our tax bracket is 28% and mortgage is 3.875%.
by ugaDAWGS09
Sun Dec 27, 2015 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in CDS after tax advantaged
Replies: 18
Views: 1395

Investing in CDS after tax advantaged

My wife and I are blessed to have good jobs so we are able to max out our tax advantaged accounts each year (401k and Roth). Also, this year we are going to start adding 500 a month to the Vanguard total stock market fund. We also have a 12 month emergency fund set up. My wife is very conservative w...
by ugaDAWGS09
Thu Dec 24, 2015 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Investing in TSM in a taxable account
Replies: 5
Views: 607

Investing in TSM in a taxable account

I would like to start adding to a taxable account each month. I would most likely invest 100% in total stock market through Vanguard. My main question is how much of a tax headache will this cause in the long run? When it comes times and I would like to sell off some of my taxable account will it be...
by ugaDAWGS09
Wed Dec 23, 2015 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Age in Bonds
Replies: 108
Views: 8387

Re: Age in Bonds

My wife and I are both 30, and we have our AA set at 70/30. I know some people think 30% seems like too much bonds/fixed income at a young age, but I feel like I can sleep better at night and don't worry as much about the market "drops." I'm going to stay the course and keep maxing my 401k...
by ugaDAWGS09
Wed Dec 16, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Should I use total bond or stable value fund in 401k
Replies: 17
Views: 1793

Re: Should I use total bond or stable value fund in 401k

Thanks, multiplying the quarterly return by 4 gives me a return of 2.08% so I will make the switch to SVF from TBM.
by ugaDAWGS09
Wed Dec 16, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Should I use total bond or stable value fund in 401k
Replies: 17
Views: 1793

Should I use total bond or stable value fund in 401k

I'm looking to rebalance my 401k, and trying to decide if I should use Vanguard total bond market (VBTIX) or my company's stable value fund for all of my fixed income. The stable value has the following returns 1 year - 2.13%, 3 year - 2.27%, 5 year - 2.65%. I just don't much about a stable value fu...
by ugaDAWGS09
Tue Dec 15, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: Best noise cancelling headphones?
Replies: 47
Views: 3605

Re: Best noise cancelling headphones?

Thanks for the help, seems like Bose QC25 is the popular choice here. I'm going to order a pair and see how I like them. Thanks again.
by ugaDAWGS09
Mon Dec 14, 2015 10:39 pm
Forum: Personal Consumer Issues
Topic: Best noise cancelling headphones?
Replies: 47
Views: 3605

Best noise cancelling headphones?

I'm looking to purchase a set of headphones that will help with noise reduction and sound good for playing music. I need a pair that will help reduce sounds like snoring when trying to sleep on planes or at hotels and I would like to use them for listening to music on a regular basis as well. I've r...
by ugaDAWGS09
Fri Nov 20, 2015 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Reporting options trading in turbo tax software
Replies: 3
Views: 294

Re: Reporting options trading in turbo tax software

livesoft wrote:Options trades nevered appeared on my 1099-B forms, so I will guess that they will not import into TurboTax because they never did for me.


Eachieve trade has to be manually entered?
by ugaDAWGS09
Thu Nov 19, 2015 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting options trading in turbo tax software
Replies: 3
Views: 294

Reporting options trading in turbo tax software

Hey I was looking into trading some stock options but wanted to make sure I understood how to report the gains or losses in turbo tax online software. Do the trades import in like stock transactions or do they have to be manually entered?
by ugaDAWGS09
Mon Oct 12, 2015 11:12 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Rome, need advice
Replies: 49
Views: 3477

Re: Planning a trip to Rome, need advice

Hey everyone, I just wanted to jump in again and say thanks so much for all the tips and advice. I'm taking it all in and plan on printing all this information out when I start planning out my trip. I'm waiting on the book I ordered from Rick to come in, and then I'm going to get on my planning and ...
by ugaDAWGS09
Sat Oct 10, 2015 5:45 am
Forum: Personal Consumer Issues
Topic: Planning a trip to Rome, need advice
Replies: 49
Views: 3477

Re: Planning a trip to Rome, need advice

Hey everyone, I just read all the responses. Thanks so much for taking the time to help me out. I will probably have some more questions soon, but I did order Rick's book on Rome 2016 to help get me started. I had no idea the pick pocketing was so bad, which does make me a little nervous. However, I...
by ugaDAWGS09
Fri Oct 09, 2015 6:20 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Rome, need advice
Replies: 49
Views: 3477

Planning a trip to Rome, need advice

My wife and I are planning a trip to Rome for our 10th anniversary next year. We are looking to go in the Spring (April - May), and stay 5-6 nights. We have never traveled international, so this will be a big step for us. I'm looking for any advice that can be given regarding flights, hotels, where ...
by ugaDAWGS09
Tue Sep 15, 2015 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here work as a pharmacist at a federal prison
Replies: 10
Views: 2127

Re: Anyone here work as a pharmacist at a federal prison

I have several friends that are nurses at the prison. I'm certain the schedule is Monday to Friday with pharmacy always closed weekends. I believe since I would be applying for PHS that I would be classified as an officer not a GS? Also I'm only 30 so I'm ok as far as the age limit.
by ugaDAWGS09
Tue Sep 15, 2015 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here work as a pharmacist at a federal prison
Replies: 10
Views: 2127

Re: Anyone here work as a pharmacist at a federal prison

Thanks for the help. That website had a lot of good information.
by ugaDAWGS09
Mon Sep 14, 2015 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here work as a pharmacist at a federal prison
Replies: 10
Views: 2127

Anyone here work as a pharmacist at a federal prison

I'm a pharmacist at a retail grocery store. Our store now has me working 12 hours shifts and Sundays as well. I'm in the process of possibly looking for a new job, but don't want to just change to another retail setting. I'm interested in the federal prison system since there is one about 5 minutes ...
by ugaDAWGS09
Sun Aug 30, 2015 7:11 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 10577

Re: Aug 2015 correction: what Bogleheads did...

I took several BH posters advice and finally started my taxable account by purchasing 5k worth of Total Stock Market. I know it wasn't a correction, but I thought the shares seemed like a good price and I got in at the lowest point (a little luck doesn't hurt) :D
by ugaDAWGS09
Tue Aug 25, 2015 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy individual stocks or stock funds
Replies: 9
Views: 819

Should I buy individual stocks or stock funds

With this 2k point decline in the DOW, should I be looking to add any individual stocks to my portfolio? I'm talking about good name stocks with good dividends like AT&T or Pfizer, or should I just stick with total stock market funds to reduce risk/volatility? I know the total market funds are t...
by ugaDAWGS09
Tue May 12, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 11634

Re: I Hate Vacations

Livesoft, did you enjoy San Francisco? My wife and I were out there last week and we loved it. The food was amazing, and we tried to hit all the tourist traps we could (why not?). We did the night Alcatraz tour last Monday night and thought it was really cool to see and hear all about the history of...
by ugaDAWGS09
Wed Apr 29, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: Need help with laptop choice
Replies: 1
Views: 391

Need help with laptop choice

I posted on here recently about looking for a laptop, and I have still been looking but haven't made a decision yet. I'm looking for a good all-around laptop with a lot of storage for videos, pictures, music, a great screen/speaker system, that runs daily functions quickly. I prefer a 15 inch Window...
by ugaDAWGS09
Wed Apr 22, 2015 6:57 am
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2256

Re: European Cruises

Thanks everyone for the advice. I've got a LOT of research to do as far as river cruises vs ocean cruises and ports of call. If we did decide to do a land based trip to see a couple towns in Italy, which two to three towns would be recommended and how much time do you think should be spent at each l...
by ugaDAWGS09
Tue Apr 21, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2256

Re: European Cruises

I would go look at Cruise Critic and ask most of your questions there. But as you seem to not have been on a cruise before and have not been to Rome, I do have some advice. Seeing Rome from a cruise ship is not a good way of seeing Rome, unless your cruise starts of finishes in Rome. The port for R...
by ugaDAWGS09
Tue Apr 21, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2256

Re: European Cruises

Mel, I've heard good things about river cruising, but that it's most suited for couples rather than families. Is that true? It seems that OP will be traveling as a couple, so that is a good fit. OP, I spent the most wonderful Christmas in Rome a few years ago. You've given me ideas now about a retu...
by ugaDAWGS09
Tue Apr 21, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Southwest Credit Card Companion Pass
Replies: 14
Views: 2602

Re: Southwest Credit Card Companion Pass

The trick goes like this: - some time very close to the end of the year, e.g., in Nov or Dec, get two southwest cards from chase, each issuing 50K bonus points on $3K spend, - satisfy the spending requirement by Jan of next year, but NOT SOONER, - thus, you have 106K points ( 50K x 2 from bonus, an...
by ugaDAWGS09
Tue Apr 21, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2256

European Cruises

Next year will be my 10th anniversary and I would like to take my wife on a European cruise. The only town I definitely want to visit is Rome, but was going to try to get some recommendations for other places that are must see. Have any of you taken a European cruise, if so, which cruise line and wh...
by ugaDAWGS09
Thu Apr 09, 2015 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Best current credit card sign-up bonus
Replies: 7
Views: 1456

Best current credit card sign-up bonus

I'm looking to buy my wife something really nice for our anniversary in June (probably diamond earrings), and figure I might as well look for a good credit card sign up bonus and take advantage of it if possible.

I currently have the Chase Sapphire preferred and Freedom cards.
by ugaDAWGS09
Thu Apr 09, 2015 5:58 pm
Forum: Investing - Theory, News & General
Topic: Is my 401k safe regardless of my company
Replies: 4
Views: 895

Is my 401k safe regardless of my company

I chose to delete the post, thanks for the info.
by ugaDAWGS09
Sat Mar 28, 2015 3:49 pm
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 5124

Re: Best laptop under $1000

Any of you familiar with the hybrid SSHD drives, seems to provide a lot of storage plus quicker speeds for most commonly used applications. http://shop.lenovo.com/us/en/laptops/lenovo/flex-series/flex-2-15/?sb=:000001C9:000120A7: I've watched several speed tests and the hybrid drives come close to t...
by ugaDAWGS09
Sat Mar 28, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 5124

Re: Best laptop under $1000

•Processor5th Generation Intel Core i5-5200U Processor (2.20GHz 1600MHz 3MB)•Operating systemWindows 8.1 64•Display15.6" FHD Glossy Wedge with integrated camera (1920x1080)•GraphicsIntel® HD Graphics 5500•Memory8.0GB PC3-12800 DDR3L 1600 MHz•Hard Drive1TB 5400 RPM•Optical DriveDVD Recordable•Ne...
by ugaDAWGS09
Sat Mar 28, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 5124

Re: Best laptop under $1000

http://shop.lenovo.com/us/en/laptops/le ... 9:00013E20:

What's everyone's opinion on this laptop?
by ugaDAWGS09
Thu Mar 26, 2015 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ad Valorem tax on new car
Replies: 8
Views: 1191

Re: Ad Valorem tax on new car

Thanks everyone for the help.
by ugaDAWGS09
Thu Mar 26, 2015 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Ad Valorem tax on new car
Replies: 8
Views: 1191

Ad Valorem tax on new car

I purchased a new truck a couple weeks ago and had to pay the 7% state ad valorem tax up from when purchasing the new vehicle (new rule in Georgia). Can I deduct this on my taxes next year? I didn't know how this worked with the new rule since the taxes are paid up front at the purchase now rather t...
by ugaDAWGS09
Thu Feb 26, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: Need outside advice on new truck
Replies: 23
Views: 1703

Re: Need outside advice on new truck

I just can't make myself by a truck that's an old body style. The GMC changed it's body style in 2014, so my option is to get one new now or wait and buy a used one in a couple of years with no warranty. My Tundra is fine, but there just comes a time when I would like to have a new truck to drive. I...
by ugaDAWGS09
Thu Feb 26, 2015 8:40 am
Forum: Personal Consumer Issues
Topic: Need outside advice on new truck
Replies: 23
Views: 1703

Need outside advice on new truck

I currently drive a 2008 Tundra with about 95k miles, and I have been looking to purchase a truck. I have spoken with different dealerships and they all say once my truck hits 100k miles the value will drop a good bit for my trade in. I have always said I won't purchase another new vehicle, but have...
by ugaDAWGS09
Tue Feb 24, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 17045

Re: How much did you have saved up for retirement at age 30?

I will be turning 30 in four months. My wife and I currently have about 375k saved for retirement. We built a beautiful home in 2011 and hope to have it paid off in about 7 years or we could possibly have a lot more. I graduated pharmacy school just before turning 24 and have been saving well since....
by ugaDAWGS09
Wed Feb 18, 2015 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you purchase EE bonds?
Replies: 8
Views: 958

How often do you purchase EE bonds?

I would like to purchase them each month, but my wife thinks that will make it difficult come tax time in 20 years. Is it easier if they are purchased in one lump sump each year, or do you just get a form (maybe 1099-r) with the amount you made total for the year? Thanks.
by ugaDAWGS09
Mon Feb 16, 2015 11:44 pm
Forum: Personal Consumer Issues
Topic: Need help buying diamond earring studs
Replies: 13
Views: 1093

Re: Need help buying diamond earring studs

Hey backdoor roth completed for 2014 and 2015 for both of us. I'm going to see if I can find some gold promo codes online.

Go to advanced search