Search found 293 matches

by ugaDAWGS09
Tue Dec 27, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Best shows to see while in Vegas
Replies: 28
Views: 2144

Best shows to see while in Vegas

My wife and I are taking a trip to Vegas in May and we are looking for some advice on which shows to see. We went a couple years ago and saw Ka and David Copperfield, which we thought were both really good. My wife was actually used in one of Copperfield's acts and I was amazed how good the show was...
by ugaDAWGS09
Wed Dec 21, 2016 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Question about backdoor Roth
Replies: 3
Views: 395

Question about backdoor Roth

The past two years my wife and I have maxed out our Roth's via the backdoor method. However, I'm not sure if our income will exceed the limit for 2017 but I like to go ahead and max my Roth in January. If we go ahead and use the backdoor method but then don't exceed the max limit for a normal Roth I...
by ugaDAWGS09
Sun Dec 18, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Can I use this as a carry on?
Replies: 10
Views: 1075

Re: Can I use this as a carry on?

Thanks for the replies. It was given to me as a Christmas gift so I didn't get to pick it out.
by ugaDAWGS09
Sun Dec 18, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: Can I use this as a carry on?
Replies: 10
Views: 1075

Can I use this as a carry on?

http://www.cheapluxurypurseshop.com/ind ... s_id=16800

The dimensions seem to be a little big for the depth portion of the bag?
by ugaDAWGS09
Fri Dec 16, 2016 5:20 pm
Forum: Investing - Theory, News & General
Topic: Investing in the current market?
Replies: 26
Views: 2971

Re: Investing in the current market?

I've always maxed out my Roth IRA in January, but honestly it may be a little harder to pull the trigger with the DOW hovering around 20k. I'm young so I know they say it doesn't make a difference, but it does make it more difficult to invest a lump sum with the markets are at all time highs. I have...
by ugaDAWGS09
Tue Dec 13, 2016 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone adjusted their retirement account AA with the market increase?
Replies: 26
Views: 2150

Re: Has anyone adjusted their retirement account AA with the market increase?

Thanks everyone, I guess it's just tempting to sell some stocks when they are at all time highs. I'll keep at my current AA but it will require some selling and buying. My 401k has shifted about 5% more than my desired AA towards stocks.
by ugaDAWGS09
Tue Dec 13, 2016 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone adjusted their retirement account AA with the market increase?
Replies: 26
Views: 2150

Has anyone adjusted their retirement account AA with the market increase?

I know many people on here, including myself, have saw their retirement accounts increase rapidly over the past couple of years. Would any of you consider adjusting your retirement accounts by selling some stocks and buying more stable value vehicles such as bonds? I know it's market timing and is i...
by ugaDAWGS09
Tue Dec 13, 2016 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 4790

Re: What % of your net income do you save (not including 401k/IRA)

My wife and I are fortunate enough to both have good paying jobs, so we are able to max out our 401k's and IRA's each year. I was looking at our net income and it looks like we are able to save about 20% of our net after maxing out these accounts. Our biggest expenses are our home 25% of net ( we p...
by ugaDAWGS09
Tue Dec 13, 2016 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 4790

Re: What % of your net income do you save (not including 401k/IRA)

I'm not sure how useful this information in a vacuum is, since for families making under $200k, just maxing out 401k/IRA from 2 jobs might be all they need to fund a successful retirement. We save about 20% of net income. We also max out 401k/IRA/HSA. Honestly, it was just meant to be a talking poi...
by ugaDAWGS09
Tue Dec 13, 2016 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 4790

Re: What % of your net income do you save (not including 401k/IRA)

We made a list of savings goals and anything more than that is fun money. If we don't use the fun money, then we'll invest it. Max 401k/TSPs, Roth IRAs, College Fund for Kids, future house down payment, future car, and we have a fully funded 6 months emergency + 20% in case of market downturn. Ever...
by ugaDAWGS09
Tue Dec 13, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 4790

Re: What % of your net income do you save (not including 401k/IRA)

I think for a lot of people - maxing 401Ks/IRAs is ALL they do (if they even are able to max them) so you are doing really well but I don't know that you provided enough info to answer the question. In addition to KlangFool's questions - do you have kids and are you planning on putting them through...
by ugaDAWGS09
Tue Dec 13, 2016 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 4790

Re: What % of your net income do you save (not including 401k/IRA)

Not enough information to really help. Maxing out your 401ks, Roth IRAs (back door method if needed), HSA, etc is a great place to start. Saving additional in taxable is also important. Will it make you financially independent? Maybe or maybe not. If you max out all your accounts and save a total o...
by ugaDAWGS09
Tue Dec 13, 2016 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 4790

Re: What % of your net income do you save (not including 401k/IRA)

My wife and I are fortunate enough to both have good paying jobs, so we are able to max out our 401k's and IRA's each year. I was looking at our net income and it looks like we are able to save about 20% of our net after maxing out these accounts. Our biggest expenses are our home 25% of net ( we p...
by ugaDAWGS09
Sun Dec 11, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 4790

What % of your net income do you save (not including 401k/IRA)

My wife and I are fortunate enough to both have good paying jobs, so we are able to max out our 401k's and IRA's each year. I was looking at our net income and it looks like we are able to save about 20% of our net after maxing out these accounts. Our biggest expenses are our home 25% of net ( we pa...
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: 1481

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: 1481

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: 1481

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: 1481

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: 1253

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: 2666

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: 2277

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: 2277

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: 2277

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: 2277

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: 2277

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: 2277

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: 2277

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: 2277

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: 2277

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: 2277

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: 2277

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: 2277

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: 2504

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: 2504

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: 2504

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: 2504

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: 2504

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: 2504

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: 2504

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: 2504

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: 2504

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: 26160

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: 2666

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: 2666

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: 2666

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: 2666

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: 2666

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: 1091

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: 1091

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: 1091

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.

Go to advanced search