Search found 72 matches

by corgimom11
Fri Apr 05, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Things to do in Dallas when rainy
Replies: 11
Views: 783

Re: Things to do in Dallas when rainy

maybe go check out a good BBQ place. Cattleack will be open tomorrow and is ranked one of the best in TX. There's also Pecan Lodge in Deep Ellum. Deep Ellum is a pretty cool place to go get a bite & a drink.
by corgimom11
Thu Dec 20, 2018 10:14 pm
Forum: Personal Investments
Topic: Tax loss harvesting question between taxable & Roth IRA
Replies: 16
Views: 1122

Re: Tax loss harvesting question between taxable & Roth IRA

livesoft wrote:
Thu Dec 20, 2018 10:11 pm
What happens to the December distribution by VTSAX in your Roth IRA that will be paid tomorrow?
I have set in both the taxable and Roth to not automatically reinvest -- it would go right to my settlement fund.
by corgimom11
Thu Dec 20, 2018 10:08 pm
Forum: Personal Investments
Topic: Tax loss harvesting question between taxable & Roth IRA
Replies: 16
Views: 1122

Re: Tax loss harvesting question between taxable & Roth IRA

If I sell my VTSAX shares in the taxable account for TLH purposes, do I also need to sell what I hold of VTSAX in my Roth IRA? No, but you cannot sell VTSAX for a loss in taxable and have purchased any shares in your Roth IRA in the 30 days before the sale, the day of the sale, and the 30 days afte...
by corgimom11
Thu Dec 20, 2018 10:03 pm
Forum: Personal Investments
Topic: Tax loss harvesting question between taxable & Roth IRA
Replies: 16
Views: 1122

Tax loss harvesting question between taxable & Roth IRA

Hello, This is my first time trying to tax-loss harvest and want to make sure I am not missing anything here. I purchased on 10/15/2018 145 shares of VTSAX for a value of $10,000.00 in a taxable account. Today's value on those shares is $8,900 approximate. I have turned off automatic reinvestments o...
by corgimom11
Fri Jul 27, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 15582

Re: Peloton spin bike worth the high cost?

Honestly, I have been more thoughtful about my health and exercising and considered one of these bikes. The problem I had was you would have to buy shoes, other accessories, etc on top of it. I bought a NordicTrack treadmill on Prime Day instead. $550 delivered to the door. It is compatible with iFi...
by corgimom11
Fri Jul 27, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: $75,000 bonus - help me with my plan
Replies: 24
Views: 3652

Re: $75,000 bonus - help me with my plan

I wanted to provide an update to this thread. I received my bonus a couple of weeks ago. The bonus turned out to be $80,000.00 pre-tax, and I have another approx. $30,000.00 bonus coming mid-August which makes decisions a bit more difficult. I decided to bite the bullet and pay off the car, so only ...
by corgimom11
Sun Jul 01, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 23821

Re: What are your property taxes?

I live in Texas (Dallas/Ft Worth Area). $4,700 this year in property taxes. Assessed at $257K (but market value is around $280K).

Annual property taxes have gone up almost 40% in the 4 years we've lived in the home given the appreciation (purchased at $195K).
by corgimom11
Wed Jun 27, 2018 9:36 pm
Forum: Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 7045

Re: Vanguard is really pushing their Personal Adviser Service

Personally don't need PAS.. I inquired to see what my recommended plan would look like. Since I said I had a long-shot goal of wanting to retire early, their recommendation was 100% stocks (mix of total stock & international). Can do that on my own if I really wanted of course!
by corgimom11
Fri Jun 22, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Dallas Trip
Replies: 20
Views: 1562

Re: Dallas Trip

personally recommend: BBQ - Pecan Lodge or Lockhart Smokehouse Also recommend, for a quick meal, stopping at the quintessential Whataburger. :) Fried chicken I recommend Whistle Britches in far north Dallas. For more upscale / steak -- recommend Pappa Bros, Nick & Sams, or Bob Steak and chophouse. F...
by corgimom11
Sun Jun 17, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 10264

Re: Which Supermarket are you?

Primary is Costco mostly out of convenience, it is the closest store to my office, and convenient/easy to stop on my way home. Also enjoy wine and quality for the price is unmatched there. Everything else traditionally at Kroger, especially now that they have the Clicklist pickup. Costs $5 each time...
by corgimom11
Sat Jun 16, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: $75,000 bonus - help me with my plan
Replies: 24
Views: 3652

Re: $75,000 bonus - help me with my plan

You have $250k in cash already, and your bonus coming, and a very healthy income if you’re in the 32% bracket. If you are in the 32% bracket, I don't see how they could make Roth IRA contributions (as was indicated for 2018). I would look at the $75K and make sure you aren't going to be bumped out ...
by corgimom11
Fri Jun 15, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: $75,000 bonus - help me with my plan
Replies: 24
Views: 3652

Re: $75,000 bonus - help me with my plan

Still don’t understand why the lower interest rate loan is being suggested as the first priority. Isn’t mortgage interest deductible too whereas auto interest is non-deductible? Your suggestion makes sense from a purely financial perspective. However, I would value the liquidity given the circumsta...
by corgimom11
Fri Jun 15, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: $75,000 bonus - help me with my plan
Replies: 24
Views: 3652

$75,000 bonus - help me with my plan

Hi everyone, Not sure if I am posting this in the correct area but mods can move it if needed. :) I am receiving a $75,000.00 pre-tax bonus (sales commission, to be specific) exactly one month from now and I am trying to plan on how best to utilize these funds. As a salesperson, I have a highly vari...
by corgimom11
Fri May 18, 2018 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 50116

Re: Lucrative careers?

I am personally a pretty big fan of a sales career, particularly selling enterprise software. I'm not sure if it's been mentioned, but it can be very lucrative for the person in the right position with the right motivation and skillset. I personally work and have sold for start-up software firms -- ...
by corgimom11
Wed May 16, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 15003

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

I love my Lexus RX. I have a 2016 F-Sport. And others are right, that would be a bit beyond your budget point. But I think it has the right mix of reliability, handling & comfort. I enjoy being able to drive it in eco mode when I'm on my morning commute, or being able to change the suspension to spo...
by corgimom11
Thu May 10, 2018 7:58 pm
Forum: Personal Investments
Topic: Any recommended Senior Living REITs?
Replies: 6
Views: 988

Re: Any recommended Senior Living REITs?

Another to take a look at would be VTR, for an individual REIT. Primarily senior housing but diversified with other healthcare ventures (medical office buildings primarily). SBRA, HCP specializes in this area also.
by corgimom11
Sun Apr 29, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 2856

3 days in London - must dos?

I am traveling to Europe on business in mid-May. I fly to Helsinki, conduct business in Finland, and I'm going to do a stopover in London. I arrive in London on a Thursday morning right at 9:00 AM. I leave on Sunday, early around 11:25 AM. What are my must-do's? I will be traveling alone. I'll be st...
by corgimom11
Sat Apr 21, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Visiting Chicago - Foodie suggestions?
Replies: 28
Views: 2569

Re: Visiting Chicago - Foodie suggestions?

I frequently host business dinners in the Chicago area. I second/third RPM Italian. I went for a business dinner, and it was absolutely fantastic. Made my business trip a weekend getaway and we ate there a second night, they recognized me easily from the evening before and took good care of us, spot...
by corgimom11
Sun Jan 14, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Keep a rental condo
Replies: 36
Views: 3188

Re: Sell or Keep a rental condo

My parents were in a similar decision. They had purchased a modest condominium for me to live in while I was going to college 10 years ago. After I moved out after purchasing my first home, they decided to try and rent it since we felt the housing market in our area still had a lot of room to move u...
by corgimom11
Sun Jan 14, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: "EBATES" - For real, or scam ?
Replies: 14
Views: 1999

Re: "EBATES" - For real, or scam ?

ebates is real. I have the chrome plugin that pops up that I can get additional cash back when shopping. Click of a button and some extra cash. I have earned over $90 in cash back over the last year or so. What is nice is sometimes, you can double dip with the cash back rewards from credit cards. Fo...
by corgimom11
Thu Jan 11, 2018 9:35 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 941
Views: 125461

Re: Post your Financial Milestone Announcements Here

Not as exciting as some of the prior announcements, but I have a couple that I am hitting today that I am pretty proud of. We have officially reached net worth of $500K+ including home equity. We should land around $525K after 401K contribution hits after the large bonus I received. I am 29 years ol...
by corgimom11
Tue Jan 02, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Moving After 1 year?
Replies: 9
Views: 1364

Re: Moving After 1 year?

Looking for some advice. Wife and I live in Dallas proper in an older neighborhood that is “turning”. Our home is a 1961 that is completely updated save for interior doorjambs and doors. We bought and paid cash including the improvements. Now we’ve had a new baby and are considering moving out to S...
by corgimom11
Mon Jan 01, 2018 1:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard glitch: don't contribute 2018 IRA now! [FIXED NOW]
Replies: 25
Views: 4207

Re: Vanguard glitch: don't contribute 2018 IRA now! [FIXED NOW]

Nothing like ringing in the new year in true Boglehead fashion..

Maxing out your Roth IRA the minute you are able to...

you are not alone -- me and DH both maxed ours tonight too! :sharebeer :sharebeer
by corgimom11
Sat Dec 30, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Deals
Replies: 8
Views: 1088

Re: Las Vegas Deals

I second the Royal Caribbean promotion. Used it once and saved a lot of money at Aria. Another suggestion, if you're willing to put a bit of time into it, is to play the Facebook/mobile game MyVegas. During low traffic times, they have rewards for 2 to 3 nights at various MGM hotels. I've stayed at...
by corgimom11
Sat Dec 30, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Deals
Replies: 8
Views: 1088

Re: Las Vegas Deals

I second the Royal Caribbean promotion. Used it once and saved a lot of money at Aria. Another suggestion, if you're willing to put a bit of time into it, is to play the Facebook/mobile game MyVegas. During low traffic times, they have rewards for 2 to 3 nights at various MGM hotels. I've stayed at ...
by corgimom11
Fri Dec 29, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1052
Views: 293051

Re: Share your net worth progression

Update for EOY 2017: 2013 NW: -$15K - 25 years old 2014 NW: $80K <- started new position in software sales. Doubled my income in one year. Bought house. 26 years old 2015 NW: $150K - 27 years old. Started 401K contributions as soon as company had available. 2016 NW: $260K - 28 years old. 2017 NW: $4...
by corgimom11
Thu Dec 28, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 9395

Re: The Economics of a new Puppy

Chewy.com has very good customer service. They often have good deals on treats in particular that I like to leverage (e.g. buy one bag get one free). I buy most of our treats at Costco (dog biscuits & their rawhide chews are good deals), but Chewy is good to get a bit of variety every once in a whil...
by corgimom11
Wed Dec 27, 2017 9:15 pm
Forum: Personal Investments
Topic: How to get more bonds / fixed income into our portfolio
Replies: 12
Views: 1255

Re: How to get more bonds / fixed income into our portfolio

I would roll his previous employer 401K into a Traditional IRA wherever you hold the Roth IRAs (probably Vanguard since they are Vanguard mutual funds). That would give you better access to low expense index funds and you could invest it in Total Bond Market giving you about 14% bonds. Stable value...
by corgimom11
Wed Dec 27, 2017 9:13 pm
Forum: Personal Investments
Topic: How to get more bonds / fixed income into our portfolio
Replies: 12
Views: 1255

Re: How to get more bonds / fixed income into our portfolio

Thanks for the list of funds. Spectrum Income Fund - RPSIX - .69 His 401k Options: BTC LIFEPATH 2020 - .26 MORLEY STABLE VALUE INCOME FUND - .51 If you put a bond fund in taxable and ended up paying tax each year of 0.6% on the total amount in the bond fund that is not much different than using a b...
by corgimom11
Wed Dec 27, 2017 2:28 pm
Forum: Personal Investments
Topic: How to get more bonds / fixed income into our portfolio
Replies: 12
Views: 1255

Re: How to get more bonds / fixed income into our portfolio

OP, why do you have all this cash and still have the student loans? Why wait until February? Long story short, my husband had to take a personal loan through his bank for his student loans because of the circumstance before we were married. He was left with a very large student loan balance at the ...
by corgimom11
Wed Dec 27, 2017 2:21 pm
Forum: Personal Investments
Topic: How to get more bonds / fixed income into our portfolio
Replies: 12
Views: 1255

Re: How to get more bonds / fixed income into our portfolio

In general, I don't believe some of your statements, so why not tell us about ALL the bond funds in the two 401(k) plans? Or maybe there are stable value funds? Here are Her 401K Options: Equity Index 500 - PREIX - .21 US Treasury Money Fund - PRTXX - .38 T. Rowe Price Retire Bal INV - TRRIX - .56 ...
by corgimom11
Wed Dec 27, 2017 2:06 pm
Forum: Personal Investments
Topic: How to get more bonds / fixed income into our portfolio
Replies: 12
Views: 1255

How to get more bonds / fixed income into our portfolio

Hi everyone. My husband and I have really been heads down over the past couple of years, just trying to max out our tax-advantaged spaces & also paying down as much student loan debt as possible. The good news is our $66K in student loan debt will be completely eliminated in February 2018, but we al...
by corgimom11
Sat Dec 16, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 14181

Re: How much did you contribute to your 401k in 2017?

me (29) - 18k contribution + 4.5k employer match husband (32) - 6.8k contribution + 2 maxed Roth IRAs at $11,000. next year will be a bit tougher. husband lost access to his 401k mid-year and is working as a contractor to start at new gig. plan to max both Roth IRAs in January, and have a bonus comi...
by corgimom11
Sat Dec 09, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 7754

Re: I am buying a car: Most/Least Reliable Makes?

I have owned two Lexus cars. Zero issues whatsoever. I am on the fence about Subaru. My husband has a 2 year old WRX (completely stock, purchased new, no mods ever performed to the car) that he is presently sitting in the dealership waiting to see what's going on because it can't even pass its first...
by corgimom11
Sat Dec 09, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 21179

Re: Save all this money, what do you splurge on?

For us it is a couple of things 1) High-end spec gaming computers. I just purchased my husband a new one, and I'll get his old one. We keep them around 8 years each, but we spend at least a couple of hours a day during the week and a bit more on the weekend. 2) Cars - we both have late model cars. I...
by corgimom11
Thu Dec 07, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 8564

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

I am about your age and started in IT consulting, mostly performing installations and configurations of specific software for customers. I branched into the sales division after doing that for a couple of years. I doubled my income my first year. Now, I'm about 5 years in and am at 5X what I was mak...
by corgimom11
Mon Dec 04, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 5050

Re: Vegas on a budget

karpems wrote:
Mon Dec 04, 2017 9:57 pm
Thanks! Would love to hear some of the high end and really high end recommendations.
Picasso at the Bellagio was great on the very high end. We went during our trip last May.
by corgimom11
Mon Dec 04, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 5050

Re: Vegas on a budget

Ellis Island. They have their own brew pub with good but cheap beer. 2 very decent but priced for a boglehead restaurants . The bbq restaurant there is excellent. Not sure if they still make their own eggnog or not, but if they do, have a glass. Or two. At least one meal at Lotus of Siam. It is a t...
by corgimom11
Mon Dec 04, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 5050

Re: Vegas on a budget

I go to Vegas once or twice a year. Typically stay at Cosmopolitan or Aria. Favorite places: Bardot Brasserie at Aria Holsteins, China Poblano or Secret Pizza at the Cosmopolitan Earl of Sandwich at Planet Hollywood (for the very cheap side) Avoid any Gordon Ramsay themed restaurant for obvious reas...
by corgimom11
Sun Nov 19, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 5835

Re: Your favorite Costco wines?

I purchase my wine almost 100% solely from Costco myself, primarily the Kirkland wines. 2011 Kirkland Signature Gran Reserva Ribera del Duero - $13. Absolutely fantastic, I went back and bought a case to store. 2015 Kirkland Signature Gigondas was great as well. The Kirkland Signature champagne is a...
by corgimom11
Fri Aug 18, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 21754

Re: Jobs that pay over $100,000

For me personally, I started making six-figures at age 25 in software sales. I'm about to turn 29 now. Of course, my base salary was nowhere close to the $100,000 mark when I first started.. it was around $50K starting out, but that's what I like about sales. You work hard, deliver, and get paid. I'...
by corgimom11
Sun Jun 25, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 13564

Re: Costco vs. Amazon - Thoughts of Prime Members?

For me, the one thing that really differentiates Costco from Prime for me is the limited selection. That may be a con for some people, but for me - the more choices you give me, the more research I'm going to do, the longer it takes me to buy anything and I've spent even much more of my time trying ...
by corgimom11
Sun May 21, 2017 3:05 pm
Forum: US Chapters
Topic: Average age of a Boglehead
Replies: 18
Views: 3213

Re: Average age of a Boglehead

1) 20-29.

28 to be exact at the moment.
by corgimom11
Wed Apr 19, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need some help with overall finance direction (goals and information included) - late 20s / early 30s couple
Replies: 9
Views: 2853

Re: Need some help with overall finance direction (goals and information included) - late 20s / early 30s couple

This thread is surprisingly a good amount of enthusiasm and therapy for me. I've had a couple of spectacular months commission wise at work, so I've been able to put away $12,000 of my $18,000 401K contribution for 2017 already. I've upped my husband's contributions and I've already done my backdoor...
by corgimom11
Sat Apr 15, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 33761

Re: Age when you started to max out your retirement accounts?

Started formally maxing out my 401k + my Roth IRA at age 28. I wish I would have started saving for retirement earlier. But I was 27 before I ever had access to a 401k. our top priority now is max my 401k (18000 + 4500 employer contribution ) and then try to get to at least 15% on my husbands 401k, ...
by corgimom11
Fri Apr 14, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Need help with software sales - Invoice without PO and payment terms
Replies: 9
Views: 839

Re: Need help with software sales - Invoice without PO and payment terms

I'm no lawyer, but I work in enterprise software sales myself. 1. Can I issue an invoice without a PO? My experience is issues of purchase orders and that overall procurement process is a case by case basis depending on the company that you are working with. In situations where we have larger orders...
by corgimom11
Mon Apr 03, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Some Credit Cards Make You Spend More?
Replies: 69
Views: 5873

Re: Some Credit Cards Make You Spend More?

Personally, I tend to align signing up for new credit cards to receive intro bonuses around times I know I will be spending more than usual. I signed up for Ink Preferred for instance around Christmas time last year. In the November/December timeframe, I get hit with not only normal Christmas shoppi...
by corgimom11
Fri Mar 31, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 12877

Re: What career helped you become wealthy?

I agree with those before me that stated technology sales. I sell software. I started when I was 25. My first year I cracked near $120K. I've hit my targets basically every year, but my take home was $165K last year. Now that I've been in my current job going on 4 years and I've developed out my ter...
by corgimom11
Tue Mar 28, 2017 10:02 pm
Forum: Personal Investments
Topic: Strategy for late 20s couple with 100k cash
Replies: 14
Views: 2212

Re: Strategy for late 20s couple with 100k cash

You don't state your income and I am assume you may be married by your first post, but I'm around your age in a similar situation. What I have personally done, before ever considering a taxable account, is to contribute and maximize our Roth IRA (I won't get into specifics re: income limits, etc her...
by corgimom11
Fri Mar 10, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Clawback of sales commissions earned
Replies: 42
Views: 6115

Re: Clawback of sales commissions earned

Take it up the ladder and soon. Talk to your bosses boss or the top guy ASAP. Read his thinking on your pay and commissions. I suspect the push back is from the owner or the next highest person. Many times in small companies (or divisions) guys like yourself end up making as much or more than the C...