Search found 241 matches

by yolli71
Fri Feb 05, 2016 11:11 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 250
Views: 29798

Re: Forum software upgrade bug reports and change requests

Quick question/suggestion...is there any way to include a "thanks" or "thumbs up" type of button in the future (similar to the "like" button on Facebook)? It would be nice to have something like this to show an appreciation or thanks to someone's post.
by yolli71
Fri Jan 22, 2016 4:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 4979

Re: Hope everyone is well [Preparing for Eastern US blizzard]

I feel bad for DC, from what I know, they are not well-equipped to handle 2 feet of snow. So, stay safe! This is true. I live in the DC suburbs in northern VA and the snow is coming down pretty good right now. I don't necessarily mind the snow...my biggest concern is the likelihood of a long power ...
by yolli71
Thu Jan 07, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website -- Backdoor Roth
Replies: 6
Views: 496

Re: Vanguard Website -- Backdoor Roth

Thanks all. I just tried and the website would not allow me to do it, so I guess I'll need to wait until tomorrow or Monday.
by yolli71
Thu Jan 07, 2016 11:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website -- Backdoor Roth
Replies: 6
Views: 496

Vanguard Website -- Backdoor Roth

I have a Taxable and Roth account w/ Vanguard. This is the first year I don't qualify for a normal Roth, so I'm doing the Backdoor Roth for the first time. I created a tIRA account w/ Vanguard yesterday and transferred $5,500 from my BOA checking account into the Vanguard Prime Money Market Fund. Wh...
by yolli71
Fri Jan 01, 2016 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Short term savings...
Replies: 5
Views: 532

Short term savings...

My wife and I are looking to buy a new home within the next 5 years, so I'll need to save cash until then to help pay the down payment. If you had to save cash for about 5 years, what vehicle would you use? I Bonds?
by yolli71
Wed Dec 30, 2015 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone treat each of their accounts separately?
Replies: 24
Views: 2181

Re: Does anyone treat each of their accounts separately?

Thanks for all the responses! To answer Phineas and dbr, dbr got it right by saying "means that each of your separate accounts has the same asset allocation, which then results in the overall asset allocation coming out where you want it." To keep things simple, I basically do a 3 fund por...
by yolli71
Wed Dec 30, 2015 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone treat each of their accounts separately?
Replies: 24
Views: 2181

Does anyone treat each of their accounts separately?

I know the Bogleheads way of investing is to look at your entire portfolio as a whole, but does anyone here treat each account separately? For example, my wife and I have Roth IRAs and TSP accounts. As of now, we have no taxable account. The Boglehead way preaches simplicity, but I found mixing and ...
by yolli71
Mon Dec 28, 2015 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Virginia 529 Plan - College America vs. InVest
Replies: 13
Views: 735

Re: Virginia 529 Plan - College America vs. InVest

Great, thanks for the advice. Will open the account tomorrow! Thanks! Stay [b]far away from the advisor sold plan. The expense overwhelms any marginal benefit provided. If you are going to contribute to a 529 at all, I would contribute the $4000 to the inVest and stick with the low-cost index optio...
by yolli71
Mon Dec 28, 2015 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Requesting thoughts, guidance/experience_Home Equity Line of Credit
Replies: 4
Views: 503

Re: Requesting thoughts, guidance/experience_Home Equity Line of Credit

I have a 100k HELOC through PenFed and my rate is 3.75% (PRIME + 0% but a min. rate of 3.75%). This serves as my emergency fund. I think closing costs are covered by PenFed, but you must keep it open for at least 2 years I believe (doesn't mean you have to actually use it...just keep it open). You m...
by yolli71
Mon Dec 28, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 427
Views: 169927

Re: TV show recommendations?

Just finished watching Making A Murderer on Netflix. It's a 10 episode documentary...riveting!
by yolli71
Thu Dec 24, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 8009

Re: Writing checks - a Bogleheads thing to do?

I write checks only when absolutely necessary. Otherwise, it's credit cards 95% of the time. What really surprises me is the number of people who still use cash. When I get lunch at my work cafeteria, I'm amazed at the number of people who still pay with cash and do so despite getting back change (c...
by yolli71
Sun Dec 20, 2015 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who max out their 401k & Roth...
Replies: 30
Views: 3152

Re: For those of you who max out their 401k & Roth...

Thanks for all the responses! I had never heard of the mega backdoor Roth until now. How do I find out if I qualify or not? I work for the federal govt. The other thing I was thinking about doing was switching my traditional TSP to a full Roth TSP, but after doing some reading on this website, I don...
by yolli71
Sat Dec 19, 2015 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who max out their 401k & Roth...
Replies: 30
Views: 3152

For those of you who max out their 401k & Roth...

...how do you invest your extra money?

In other words, if I already max out my 401k/TSP and my Roth IRA...and my mortgage is paid off and 529 is accounted for, where would you put your money next? I Bonds? CDs? Mutual funds in taxable account?
by yolli71
Thu Nov 12, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: Costco Travel....anyone used them?
Replies: 18
Views: 2200

Re: Costco Travel....anyone used them?

If you have used Costco Travel, please let me know your thoughts. The oldest child will be going off to college next fall, so we are thinking about doing a European vacation (London & Paris) next summer. I only have one friend that has used Costco Travel, and he really liked it, but he is prett...
by yolli71
Fri Oct 02, 2015 4:55 pm
Forum: Personal Consumer Issues
Topic: Name your top favorite tv shows
Replies: 188
Views: 26986

Re: Name your top favorite tv shows

Wife and I are absolutely loving Ray Donovan right now...just finished Season 2. Even though it's a drama, the humor is great (though vulgar), and Jon Voight's character is classic.
by yolli71
Fri Sep 18, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: Tips for saving on major kitchen remodel
Replies: 59
Views: 3957

Re: Save?

Quartz, not granite Integrated/built-in refrigerator Induction hob Single, not double sink Top of the line garbage disposal Speed oven Hire a kitchen designer We were planning on Quartz, but then spoke to a local countertop fabricator who said not to believe the hype about Quartz; granite is better...
by yolli71
Thu Sep 10, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: paying for mortgage rate lock
Replies: 6
Views: 868

Re: paying for mortgage rate lock

I locked early on my mortgage with PenFed just for peace of mind as I was comfortable with the going rate and projected monthly payment at the time. However, PenFed offered a service where you could pay to re-lock in case rates went down (which it did in my case). I think I had to pay .625 point to ...
by yolli71
Thu Sep 10, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 36
Views: 4800

Re: iPhone with or without contract?

(Original thread started in May 2015) OK, with the latest generation of the iPhone being announced today, I am awakening this thread from its nearly four month slumber. So here we are in the month of September and iPhone fans need to make a decision on whether it makes sense to upgrade. For me, I h...
by yolli71
Thu Sep 03, 2015 8:31 am
Forum: Personal Consumer Issues
Topic: Watching NFL Games Via Webstream
Replies: 16
Views: 2199

Re: Watching NFL Games Via Webstream

If you live in anything other than a SFH, you are now able to purchase NFL Sunday Ticket straight from DirecTV a la carte. Also, Sling TV is only $20/mo and includes ESPN. I'm curious to see what others suggest as well. I want to cut the cord but Sunday Ticket access is DH's sticking point. -Steph ...
by yolli71
Thu Aug 13, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 3926

Re: Is 401K Match included when someone asks you how much you make per year?

Hi All, sorry if this sounds like a stupid question, i just want to make sure I got this correct. per subject title, is 401K company match included when someone asks you how much you make per year? Hypothetical Example: Yearly Salary: $82,000 401K Company Match (@ 9%): 0.09 * $82,000 = $7380 Bonus ...
by yolli71
Tue Aug 11, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 12289

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

AP story just released: -- NEW YORK — Good news for existing Verizon customers: You'll still be able to get discounted phones for $100 or $200 by renewing a two-year service contract. That part wasn't clear when Verizon announced Friday that new customers will no longer get discounted phones, but t...
by yolli71
Tue Aug 11, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 12289

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

I don't know much about MVNOs. Now that I'm on the hook for buying my phone outright, would I be better off going with a Verizon Wireless MVNO? Do you get the same 4G network and coverage? You get the same 4G network and primary coverage as someone who is on Verizon. But, if roaming is important to...
by yolli71
Mon Aug 10, 2015 9:51 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 12289

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

I don't know much about MVNOs. Now that I'm on the hook for buying my phone outright, would I be better off going with a Verizon Wireless MVNO? Do you get the same 4G network and coverage? You must have missed the post upthread by Shadow Dancer: The MVNOS, which I know of that currently offer Veriz...
by yolli71
Mon Aug 10, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 12289

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

I don't know much about MVNOs. Now that I'm on the hook for buying my phone outright, would I be better off going with a Verizon Wireless MVNO? Do you get the same 4G network and coverage?
by yolli71
Sun Aug 09, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 12289

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

Can someone explain this to me? I have been eligible to upgrade my Verizon iPhone 5 for several months now, but I've held off because I was going to wait until after September (presumably when the next iPhone is released) to order my new phone for $200. My wife and I currently pay $120/mo total for...
by yolli71
Sat Aug 08, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 12289

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

Can someone explain this to me? I have been eligible to upgrade my Verizon iPhone 5 for several months now, but I've held off because I was going to wait until after September (presumably when the next iPhone is released) to order my new phone for $200. My wife and I currently pay $120/mo total for ...
by yolli71
Sat Jun 20, 2015 7:36 am
Forum: Personal Consumer Issues
Topic: Angie's List [for home repair]
Replies: 21
Views: 2973

Re: Angie's List

Yes, I have and I think it's really helpful. One thing I've learned by talking to some of these companies is that Angie's List can bring them a lot of business, so the reviews are really important to them. I've had some of them ask me to post a positive review if I was happy w/ the service/repair. T...
by yolli71
Fri Apr 10, 2015 4:31 pm
Forum: Personal Consumer Issues
Topic: Tip for car detail?
Replies: 1
Views: 432

Tip for car detail?

I'm about to have my first car detail. I'm having one of those companies that comes to your home and they'll be cleaning my minivan. I bought one of those Groupon deals, so it's going to run me $115 (the normal price is $230 according to their website). They will be doing these services: 3-4 Man Hou...
by yolli71
Sun Mar 22, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 8200

Re: Laptop: Windows based vs. Apple

This. We made the switch to a MacBook Pro 6 years ago and love it. We still own the same laptop after 6 years and it's running strong. Since that time, we've purchased iPhones, Apple TV, iPad, and a Time Capsule, and yes, they all really do work seamlessly. We've owned several different Windows lap...
by yolli71
Sat Mar 21, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 8200

Re: Laptop: Windows based vs. Apple

I've used Macs for a decade now and wouldn't switch back to a Windows based machine unless I had no other choice. Another reason I like Apple products is that they play well together. We have iPhones, Macbooks, Apple TV, ipad, and an Apple Time Capsule for backup/router. It's amazing how well the d...
by yolli71
Sat Mar 14, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 71
Views: 9348

Re: Any other investors with 70/30 portfolio?

Any others with 70% stocks/ 30% bonds like I currently have and hope to hold for years. And, what are your plans? Age 45, I have a Federal government Pension and invested in TSP. Yes, my situation is very similar to yours. I'm 43 and work for the Fed govt and invest in the TSP. I'm at 70/30. My wif...
by yolli71
Fri Mar 06, 2015 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: question about pensions for people with TSP
Replies: 11
Views: 1381

Re: question about pensions for people with TSP

schmitz wrote:Thank you for all the help.

One follow up question : does she need to "sign up" or "activate" a pension or is it given to all employees automatically when they retire (if they qualify for it)?


It's automatic. How long has she been working for the fed govt.?
by yolli71
Fri Mar 06, 2015 3:22 pm
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 3561

Re: Washing Dress Shirts

Do all of you who wash your own shirts also iron them?

I take mine to the cleaners b/c I don't want to deal with ironing them. If all I had to do was wash and dry and they came out truly wrinkle-free, I'd wash my own shirts too.
by yolli71
Mon Mar 02, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1466

Re: No heat

Thanks for the replies. I called around 5 or 6 different hvac companies this morning and decided to go with one that has been to my home in the past (he did one of those "tune-ups" a year or so ago). He confirmed the issue sounds like a problem with the motor and said he would charge $549 ...
by yolli71
Mon Mar 02, 2015 9:21 am
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1466

No heat

The gas furnace in my attic stopped working yesterday. You could hear it trying to run like normal but there was no air blowing out of the air registers. This exact problem also happened about a week ago and I called a company that was able to come out on the same day and fix it. He replaced my capa...
by yolli71
Fri Feb 27, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: American Express Blue preferred vs Sallie Mae Mastercard
Replies: 45
Views: 18073

Re: American Express Blue preferred vs Sallie Mae Mastercard

I just had a very troubling experience with my Blue Cash Preferred. I wished to redeem my rewards as a statement credit. I tried doing it online and got a window which raised questions since an icon for Bonefish Grill appeared in the middle of the window. I called customer service 3 times. In the f...
by yolli71
Fri Feb 27, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: American Express Blue preferred vs Sallie Mae Mastercard
Replies: 45
Views: 18073

Re: American Express Blue preferred vs Sallie Mae Mastercard

Has anyone tried buying gift cards in a grocery store with the Blue Cash Preferred? Technically they will not earn the 6% as a cash equivalent, but I suspect that it's not detected nor enforced. I have tested the purchase of gift cards in a grocery store with the Sallie Mae and you do earn the 5%. ...
by yolli71
Fri Feb 20, 2015 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 49
Views: 9004

Re: 2 comma club (my way)!!

Congrats!!!
by yolli71
Sun Feb 15, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 2407

Re: 529 Lump Sum contribution for newborn

We made the max lump sum contribution for both of our kids within a year of their birth. I know we didn't have to make that kind of contribution right away, but it sure felt good to minimize or eliminate a future financial burden. I've never spent time worrying that I've saved too much for our chil...
by yolli71
Sat Feb 14, 2015 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 2407

Re: 529 Lump Sum contribution for newborn

How many of you have made the $70K (or $140K if married) lump sum contribution to a 529? Put another way, if you had a newborn and had the investable cash (already contributed to retirement plans and emergency fund, not saving to buy a house, etc.), what amount (up to $140K) would you put in a 529 ...
by yolli71
Sat Feb 14, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 2407

Re: 529 Lump Sum contribution for newborn

How many of you have made the $70K (or $140K if married) lump sum contribution to a 529? Put another way, if you had a newborn and had the investable cash (already contributed to retirement plans and emergency fund, not saving to buy a house, etc.), what amount (up to $140K) would you put in a 529 ...
by yolli71
Sat Feb 14, 2015 10:17 am
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 2407

Re: 529 Lump Sum contribution for newborn

How many of you have made the $70K (or $140K if married) lump sum contribution to a 529? Put another way, if you had a newborn and had the investable cash (already contributed to retirement plans and emergency fund, not saving to buy a house, etc.), what amount (up to $140K) would you put in a 529 ...
by yolli71
Sat Feb 14, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: eyeball recessed lights
Replies: 1
Views: 229

eyeball recessed lights

We are looking to replace the old eyeball recessed lights over our fireplace as we find them to be pretty ugly. Does anyone have any suggestions on a more modern replacement? I didn't notice anything at my local Home Depot...are there more attractive recessed light options that serve the same purpos...
by yolli71
Sat Jan 24, 2015 9:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1430
Views: 272345

Re: What Movie Have You Recently Watched?

Hobbit Part 3. I really have severe reservations about the whole trilogy. It should never have been a trilogy in the first place. It's difficult to swallow the changes from the book for someone who owns a copy of the 2nd ed. of the original. Nonetheless the visuals based on the work of Alan Lee mad...
by yolli71
Sat Jan 24, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 3136

Re: Amazon Prime Is $72 Tomorrow for New Users

I love our Prime membership. Besides the 2 day shipping and streaming videos, Prime now also does free streaming music and my new favorite...unlimited free photo cloud storage. All pics taken on my iPhone automatically are uploaded to the Amazon cloud and can be accessed from anywhere. I now have 3,...
by yolli71
Mon Jan 12, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Qualify for 2015 Roth?
Replies: 3
Views: 390

Qualify for 2015 Roth?

Basic question for all... If I'm in a position where I know I may not qualify for a 2015 Roth contribution (due to unknown income this year such as possible bonuses, etc.), should I just go ahead and do the Backdoor Roth now (even if I find out later I would have qualified for a traditional Roth at ...
by yolli71
Sat Nov 15, 2014 1:02 pm
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 43
Views: 5915

Re: Experience with Target Redcard?

Yep...my wife shops at Target all the time and uses the credit REDcard. As others have mentioned, the perks are: 5% off, free shipping, and an extra 30 days on returns. As an added bonus, they also donate 1% of all your REDcard purchases to any school of your choice (our donations go to our kids ele...
by yolli71
Fri Aug 15, 2014 11:31 am
Forum: Personal Consumer Issues
Topic: Minivan time! Opinions on 2013 Town & Country, Please
Replies: 23
Views: 2552

Re: Minivan time! Opinions on 2013 Town & Country, Please

ReedMan -- We were in the market for a minivan in 2012. We didn't consider the T&C b/c my wife said she wanted a reliable Japanese vehicle (not to imply that T&C is unreliable). After looking at and test driving the main options, we elected to go with the Nissan Quest. I know Nissan isn't as...
by yolli71
Sat Jul 26, 2014 9:14 am
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 6301

Re: Public Speaking-help

Tom, I can relate and I truly feel your pain. A lot of the people who are telling you to just "power through it," "make sure you know your material," "get a good night's rest," etc., don't really understand that this is more about a true debilitating anxiety than it is ...
by yolli71
Fri Jul 18, 2014 7:52 am
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 43
Views: 5733

Re: Apple TV

As mhalley said, it's all about your internet speed. You probably have to upgrade your speed. Also, if possible, hook the internet ethernet cable directly into the Apple TV (instead of using a wireless network). I personally use wireless and it works just fine, but doing the direct hookup would give...

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