Search found 279 matches

by ugaDAWGS09
Tue Oct 25, 2016 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: 25k to invest in CD or use for mortgage
Replies: 16
Views: 1429

Re: 25k to invest in CD or use for mortgage

WhiteMaxima wrote:1/3 CD, 1/3 Mortgage repaymemt, 1/3 Total Stock Stock Market.


This isn't a bad idea at all. I like splitting it up but might do 1/2 CD and 1/2 mortgage.
by ugaDAWGS09
Tue Oct 25, 2016 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: 25k to invest in CD or use for mortgage
Replies: 16
Views: 1429

Re: 25k to invest in CD or use for mortgage

Sharing your mortgage rate would probably help get some answers. Are you even itemizing? What do you pay in mortgage interest at your remaining balance... $4k/yr? That's not worth much to you at this point, and I would say don't factor it in at all. Or, if the mortgage interest is such a big deal t...
by ugaDAWGS09
Tue Oct 25, 2016 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: 25k to invest in CD or use for mortgage
Replies: 16
Views: 1429

Re: 25k to invest in CD or use for mortgage

mortfree wrote:not much info to go by...

is 25k a lot of money for you?

If not, I'd put it towards the mortgage but only if this is your forever home.


Well, 25k is a good bit of money, but not something I can't part with. This is definitely our forever home.
by ugaDAWGS09
Tue Oct 25, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: 25k to invest in CD or use for mortgage
Replies: 16
Views: 1429

25k to invest in CD or use for mortgage

I've been opening up 5 year CD's for the last 3 years to increase my fixed income. However, this year the CD rates are so low and I'm not sure if I should invest in the best possible 5 year CD or put the money on my mortgage. I built the home in 2011 and currently owe about 120k on my mortgage (home...
by ugaDAWGS09
Mon Oct 03, 2016 4:42 am
Forum: Investing - Help with Personal Investments
Topic: Should I just use Wellington fund for my 401k
Replies: 8
Views: 1230

Should I just use Wellington fund for my 401k

My 401k is through Fidelity and my current breakdown is 70/30. I have it in 55% S & P 500 fund, 30% stable value fund, and 15% S & P Completion Index. However, my YTD return is 5.3% while Wellington is up 7.6% according to Morningstar. Am I overthinking this, should I just put my investment ...
by ugaDAWGS09
Tue Aug 02, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 40
Views: 2589

Re: Hyatt 2 free nights credit card

I used my free nights at the Grand Hyatt Kauai. I've since used points to stay at the Hyatt Zilara in Cancun. Both were great hotels and relatively easy to get to from the US. OP - make sure you realize that your annual free night can not be used for any Hyatt hotel like their signup 2-night bonus....
by ugaDAWGS09
Sun Jul 31, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Re: Looking to take first international trip

How old are you and when is the next time you'd be likely to get back to Europe? We are both 31. I could see us going every 2-3 years, but most likely every 3rd would be a good guess. We like to take two annual trips each year, one to Steamboat Springs, Colorado and one to St. John. The past couple...
by ugaDAWGS09
Sun Jul 31, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Re: Looking to take first international trip

As expected there are opinions all over the place as to whether you should focus in one city or try to see more. One thing to take into account is how often you expect to be able to do this type of travel. If your finances and schedule will allow you to go to Europe every year, then by all means pi...
by ugaDAWGS09
Sun Jul 31, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Re: Looking to take first international trip

first international trip has to be a combo of london, paris, rome.......... not sure how much time and/or money you want to use/spend.... but i'd do london and one of paris/rome... probably do london/paris first as they're close together and simply amazing tourist attractions. when you digest that ...
by ugaDAWGS09
Sun Jul 31, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Re: Looking to take first international trip

first international trip has to be a combo of london, paris, rome.......... not sure how much time and/or money you want to use/spend.... but i'd do london and one of paris/rome... probably do london/paris first as they're close together and simply amazing tourist attractions. when you digest that ...
by ugaDAWGS09
Sun Jul 31, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Re: Looking to take first international trip

You will find that your US credit cards will work all across the world. Your sign and wipe, or chip and sign US cards should work everywhere. The VISA/MasterCard merchant agreements require that merchants be able to handle the different types of cards. Where you probably will have trouble is trying...
by ugaDAWGS09
Sun Jul 31, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Re: Looking to take first international trip

We are really open to any options, but mostly we are talking about Rome and Paris. Are you limited as to when you can go? If you need to go in the middle of the summer then Rome would be too hot. We are not limited at all. We have plenty of time to plan for any month we choose to go. The only time ...
by ugaDAWGS09
Sun Jul 31, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Re: Looking to take first international trip

Have not been to Rome, but I have been to Paris a few times. Where to go really depends on your interests. If art, what era? For us, the top 3 picks would be London, Paris, and Amsterdam. All off a tremendous amount and cater to some of our specific interests. Our first trip to London, we spent 3 d...
by ugaDAWGS09
Sun Jul 31, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Re: Looking to take first international trip

Your question is made easy by the fact you have not been anywhere international. You sound like a curious couple so either that Rome or Paris you mention would be ideal. There will be many replies to this and you will get an earful of all sorts of places to go. You say you only have a week, so one ...
by ugaDAWGS09
Sun Jul 31, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Re: Looking to take first international trip

If you have even basic knowledge of the local language, it is helpful (although English is spoken by many in countries where it isn't the primary language). London is a fascinating if you are interested in history, and you don't have the language barrier (mostly :)). It is also a bit closer than th...
by ugaDAWGS09
Sun Jul 31, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Re: Looking to take first international trip

Fly into Rome, train to Termini station and then the train to Orvieto. With only a week, spend a couple nights each in Florence and Siena, ending with a couple nights in Rome. You can do alk of this by train I just worry that wouldn't be enough time to spend in Rome. I've done a little research and...
by ugaDAWGS09
Sun Jul 31, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Re: Looking to take first international trip

happyisland wrote:There are so many wonderful places to go, but if you're thinking Europe (and you like to eat good food in a beautiful environment) I would recommend Tuscany and northern Italy.


Any certain cities in northern Italy I should look into?
by ugaDAWGS09
Sat Jul 30, 2016 4:53 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2086

Looking to take first international trip

My wife and I have decided to plan a trip overseas next year, but we are having a hard time deciding where to go. We are really open to any options, but mostly we are talking about Rome and Paris. We love to get out and sight see and like to stay active on our vacations. We aren't the type to go to ...
by ugaDAWGS09
Fri Jul 29, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2368

Re: Need advice, dealer sold me wrong year golf cart

Now that the crisis is averted, do you mind telling me what these golf carts are used for? It sounds like it's for more than golf, is it? If it's for golf, how often do you have to play to make owning one a good choice? If it's for transportation, are they allowed on streets? Sidewalks? Do you have...
by ugaDAWGS09
Fri Jul 29, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2368

Re: Need advice, dealer sold me wrong year golf cart

Well, I just called the guy and he's going to give me a full refund. I still see it as an honest mistake. I really thought he would just mail me a check for the difference in cost but offering me $200 wasn't enough. If he would have said $500 since I had to deal with the aggravation and even push th...
by ugaDAWGS09
Fri Jul 29, 2016 9:12 am
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2368

Re: Need advice, dealer sold me wrong year golf cart

I only found out because it broke a belt last night and my wife and I had to push it about half a mile home. Let's just say she wasn't happy. Contact him again and point out that you were buying transportation.....not exercise equipment. One thing I have learned long ago is that if you stay complet...
by ugaDAWGS09
Fri Jul 29, 2016 6:45 am
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2368

Re: Need advice, dealer sold me wrong year golf cart

The problem is the golf cart is exactly what I wanted on the outside, but a 2 year older drive train is still a 2 year older drive train. My wife is saying full refund no matter what, but I still think I would be willing to accept a difference in the amount. However, the $200 offer he threw at me is...
by ugaDAWGS09
Thu Jul 28, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2368

Re: Need advice, dealer sold me wrong year golf cart

Do you have "2012" on your purchase receipt? If so, I would take it in and get all of my money back. A lot of used golf carts come from golf courses when the lease expires. Two years means a lot more wear and tear. I live in a golf cart community. There are a lot of shenanigans in the gol...
by ugaDAWGS09
Thu Jul 28, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2368

Re: Need advice, dealer sold me wrong year golf cart

Did you buy this cart in 2012? Or last week? Do you think it makes a difference when you bought this cart? I just bought the cart about a month ago but wouldn't have known about the difference in year if not for the belt breaking. I know I can get a 2 year newer cart for the same price. Only reason...
by ugaDAWGS09
Thu Jul 28, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2368

Re: Need advice, dealer sold me wrong year golf cart

I should be able to get a full refund. There is a local dealer in my town so I can go there and buy a 2012 cart for the same price.
by ugaDAWGS09
Thu Jul 28, 2016 5:19 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2368

Re: Need advice, dealer sold me wrong year golf cart

It's kind of hard to say, my wife says he's pulling the wool over my eyes. It's strange he says he has a bunch of 2012's and seems willing to switch but then 1 hour later he doesn't have any. He is a nice guy, but I feel the $200 is not a fair trade at all.
by ugaDAWGS09
Thu Jul 28, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2368

Need advice, dealer sold me wrong year golf cart

Hey everyone I purchased what I thought was a 2012 RXV golf cart but just found out today based on the serial number that it's actually a 2010. I called the dealer and he said the only difference is about $200 so he is willing to give me a different color top. This seems like a small difference for ...
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: 226
Views: 25538

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: 40
Views: 2589

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: 40
Views: 2589

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: 40
Views: 2589

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: 40
Views: 2589

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: 40
Views: 2589

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: 1059

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: 1059

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: 1059

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: 1059

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: 1059

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: 1542

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: 1634

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: 7265

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: 7265

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: 4686

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: 1294

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: 7265

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: 7265

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: 249

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: 2499

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: 2499

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: 2499

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...

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