Search found 252 matches

by ugaDAWGS09
Fri Jul 22, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 221
Views: 21875

Re: Where were you financially when you were at 30?

My wife and I just turned 31: Mortgage - owe 120k on home valued at 320k (pay double mortgage payments of about 2k a month and hope to have paid off by 34), then we will really increase our taxable accounts. Cash - 40k (emergency fund) 401k/IRA/CDs/taxable accounts - 430k (70/30 AA) The problem is w...
by ugaDAWGS09
Thu Jul 21, 2016 5:21 pm
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 27
Views: 1206

Re: Hyatt 2 free nights credit card

auggiedoggies wrote:We used it at the Park Hyatt Hadahaa in the Maldives. Absolutely incredible!


The resort looks amazing, but how long does it take to get over there from the U.S?
by ugaDAWGS09
Thu Jul 21, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 27
Views: 1206

Re: Hyatt 2 free nights credit card

We have never been overseas so Paris sounds fun, but with all the stuff going on it makes me a little weary of traveling there right now. We recently had a thread that addressed, in passing, some of those fears: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=194405 With that said, unless...
by ugaDAWGS09
Thu Jul 21, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 27
Views: 1206

Re: Hyatt 2 free nights credit card

How good of a location is the Hyatt Vendome. I don't know much about Paris so I would need to start doing some research on the city to see what I can find out. I was originally looking at the Zilara in Cancun since it was all inclusive, but that's not going to be a deciding factor for my trip. It ju...
by ugaDAWGS09
Thu Jul 21, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 27
Views: 1206

Re: Hyatt 2 free nights credit card

Thanks everyone for the quick replies. I'm excited about traveling to a very nice hotel in a nice location for four free nights. My wife and I have a lot of Chase UR points so we can definitely add another night or two if we want to extend the stay. I've read this reward can be used every 24 months....
by ugaDAWGS09
Thu Jul 21, 2016 7:20 am
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 27
Views: 1206

Hyatt 2 free nights credit card

Hey everyone, my wife and I are going to get the Hyatt card that provides 2 free nights to any Hyatt worldwide. Has anyone else applied and taken advantage of this deal? Which hotel did you choose to stay at? I'm currently looking at a couple of different hotels, including Hyatt in Beaver Creek, Zil...
by ugaDAWGS09
Sat Jul 16, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: Starwood points (looking for best use)
Replies: 15
Views: 927

Re: Starwood points (looking for best use)

I caught the Starwood bonus that was offered earlier this year so I have about 50k points. My wife and I would like to stay 4-5 nights in a nice location so probably a category 4 or 5 SPG hotel. Any of you have any that you recommend? I don't really have a place in mind but I think she would enjoy ...
by ugaDAWGS09
Sat Jul 16, 2016 5:43 am
Forum: Personal Consumer Issues
Topic: Starwood points (looking for best use)
Replies: 15
Views: 927

Re: Starwood points (looking for best use)

Have you ever been to Yellowstone? If not, then go. Now. I believe it to be one of the most fascinating places on earth (though I'm a geologist...). I didn't realize you could use SPG points there, but I can tell you that lodge is very nice (only been in, never stayed) and centrally located. It doe...
by ugaDAWGS09
Fri Jul 15, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Starwood points (looking for best use)
Replies: 15
Views: 927

Re: Starwood points (looking for best use)

I know what you mean I just don't know much about any other countries. I just always saw my first overseas trip being Rome. We love sight-seeing though so I'm sure there are several great places I just don't know where to start. Maybe something like New Zealand or Ireland, I honestly have no clue.
by ugaDAWGS09
Fri Jul 15, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Starwood points (looking for best use)
Replies: 15
Views: 927

Re: Starwood points (looking for best use)

I would love to go to France or Rome, but with all the attacks going on it's hard to convince my wife to go overseas.
by ugaDAWGS09
Fri Jul 15, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Starwood points (looking for best use)
Replies: 15
Views: 927

Starwood points (looking for best use)

I caught the Starwood bonus that was offered earlier this year so I have about 50k points. My wife and I would like to stay 4-5 nights in a nice location so probably a category 4 or 5 SPG hotel. Any of you have any that you recommend? I don't really have a place in mind but I think she would enjoy a...
by ugaDAWGS09
Fri Jun 03, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for good home insurance
Replies: 16
Views: 1442

Looking for good home insurance

We have been using Progressive for home insurance for the past five years, but they have raised our rate from $575 to over $1,000 over that time. I was wondering if anyone recommended any good insurance companies or if this is about the going rate for our home and area? I live in South Ga, and curre...
by ugaDAWGS09
Mon May 30, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a golf cart
Replies: 15
Views: 1539

Looking to buy a golf cart

I'm looking to purchase my first golf cart. It will mostly be used just to cruise around my neighborhood and some of the close surrounding neighborhoods with the wife. I can't decide if I should go gas or electric and I'm trying to figure out a good price for a good, reliable cart. A guy near my hou...
by ugaDAWGS09
Tue May 24, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here work as a pharmacist at a federal prison
Replies: 27
Views: 6814

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

Edit, I've been researching and it looks like most pharmacists come in as O-3 officers. So O-3 base, plus non-taxable housing and food, plus incentive pay for pharmacists which is 1250 a month. I'm not sure yet how the incentive pay (specialty pay) is taxed. Anyone know about how long it takes to mo...
by ugaDAWGS09
Fri May 20, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here work as a pharmacist at a federal prison
Replies: 27
Views: 6814

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

I went and visited the prison today and was able to visit with the pharmacist. She had so much great information for me and I was able to see how a prison pharmacy operates. She said I could apply for PHS and come in as an O4 officer and receive a housing and food allowance. The base pay starts much...
by ugaDAWGS09
Wed May 11, 2016 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling Burnt out at work, Is it time to look for another job?
Replies: 17
Views: 4490

Re: Feeling Burnt out at work, Is it time to look for another job?

Wow we are in very similar situations. I'm also 30 and have been at my job for 7 years. The past year I've been really burnt out but as a pharmacist there aren't a lot of jobs available in a rural area. I'm not interested in hospital pharmacy but I am applying for a position as a pharmacist at a fed...
by ugaDAWGS09
Wed May 11, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is a federal pension taxed?
Replies: 3
Views: 1259

Is a federal pension taxed?

I was just wondering how a federal pension was taxed. For simplicity if I could get 34% retirement on 100k how much would I actually bring home? Also do federal employees pay normal tax rates for federal, state, medicare/medicaid, and social security?
by ugaDAWGS09
Wed May 11, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here work as a pharmacist at a federal prison
Replies: 27
Views: 6814

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

Thanks everyone for the advice and information. I have been working on my resume and I believe it's ready to go. It's a little over 6 pages, with a lot of information that seems repetitive but I tried to include all the key words in the job posting (thanks retiredjg). I have several friends who are ...
by ugaDAWGS09
Fri May 06, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here work as a pharmacist at a federal prison
Replies: 27
Views: 6814

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

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. You are misunderstanding the "officer" vs "GS" thing. GS refers to the general schedule (wage levels basically). It has nothing to d...
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: 232

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: 2295

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: 2295

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: 2295

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: 791

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: 791

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: 1225

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: 1289

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: 1289

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: 1600

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: 1600

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: 1600

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: 1600

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: 1600

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: 1600

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: 652

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: 9050

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: 1980

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: 1980

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: 4155

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: 4155

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: 342

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: 342

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: 3678

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: 3678

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: 3678

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: 27
Views: 6814

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: 27
Views: 6814

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: 27
Views: 6814

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: 11161

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: 865

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...

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