Search found 57 matches

by SheReadsHere719
Fri Jun 02, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Novice for Southwest Companion Pass - Questions
Replies: 11
Views: 737

Re: Novice for Southwest Companion Pass - Questions

You can actually change 3 times per calendar year, which means up to 6 times during your CP holding period: "The Member may, however, change his/her designated Companion and request issuance of a new Companion Pass card up to three (3) times each calendar year that the Member maintains Companio...
by SheReadsHere719
Fri Jun 02, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Novice for Southwest Companion Pass - Questions
Replies: 11
Views: 737

Re: Novice for Southwest Companion Pass - Questions

Yes, math looks correct to me. Another fun point to add: if your wife has any unused SW points, she can book a ticket in your name, and then you can go to your account and add her as the companion. You can also change your companion 3x per calendar year, in case you want to make your kid your compan...
by SheReadsHere719
Tue May 23, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Seeking Advice (19 y/o, Roth + Taxable, How to plan for Grad School?)
Replies: 2
Views: 234

Re: Beginner Seeking Advice (19 y/o, Roth + Taxable, How to plan for Grad School?)

Welcome! Congrats on capitalizing on a strong start, your parents and grandparents must be proud. *I would recommend continuing to max out your Roth IRA every year. The liquidity is really nice when you’re young, and it’s a versatile and useful account. Keep earmarking that $5,500 annually. *You men...
by SheReadsHere719
Mon May 22, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 1148

Re: ebates experiences - what downsides?

Been using them since 2011 and it's been great! My only (very small) gripe is some travel purchases require a request to customer service before I'll see the cash back. But great website overall - have referred it to all my friends and coworkers, especially those that travel for business.
by SheReadsHere719
Mon May 22, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4235

Re: Mexican Pacific Beaches

We've stayed in San Jose del Cabo. Near the Cabo San Lucas airport. Same climate as Cabo San Lucas, but a bit lower key/kid friendly. You can taxi or bus into Cabo San Lucas if you really want the party atmosphere! Very safe both around the hotel area, shopping in stores, and in the downtown area. ...
by SheReadsHere719
Fri May 19, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to stay on a budget?
Replies: 31
Views: 3404

Re: How to stay on a budget?

What you should do is live 3-6 months without trying to "stick" to a budget. Record every penny you spend. Then you can use that to project out on the year. +1. Two more Mint tips that may help: 1. You can set a Mint budget as a rollover from month to month (Budgets -> Details -> “start e...
by SheReadsHere719
Thu May 18, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: when to do the backdoor roth?
Replies: 3
Views: 354

Re: when to do the backdoor roth?

Just an FYI that the limit went up to $118,000 in 2017. Know you have a little more breathing room!

https://www.irs.gov/retirement-plans/am ... e-for-2017
by SheReadsHere719
Thu May 18, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2390

Re: Few days in Portland in July

Food recommendations + a few activity recommendations at the end: Brunch: Jam on Hawthorne Pine State Biscuit Screen Door Tasty n' Alder Drink: Multnomah Whiskey Library Cascade Brewery (a must for sour beer lovers) Rogue Brewery Deschutes Brewery Casual Eats: LOTS of food trucks - fave is the Nong'...
by SheReadsHere719
Mon May 15, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Renting a small apartment vs buying a bigger home
Replies: 26
Views: 1605

Re: Renting a small apartment vs buying a bigger home

Understood and you won’t hear any argument from me. A few additional points of context, though: - The feeling of “THIS is what I’m getting for my money??” is pervasive everywhere in the Bay Area you’d be looking, regardless of property type. - The “less upkeep and stuff to worry about” will play an ...
by SheReadsHere719
Mon May 15, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Renting a small apartment vs buying a bigger home
Replies: 26
Views: 1605

Re: Renting a small apartment vs buying a bigger home

OP, I relate to this post a lot (a few years away from the same dilemma). Ultimately, I think of my apartment rental as freedom and flexibility: it allows me to a) save well for retirement, b) buy an apt later, c) buy a SFH later, d) buy something outside of the Bay Area, etc. I try and tell myself ...
by SheReadsHere719
Thu May 11, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 56
Views: 4090

Re: Travel tips for first time visitors to England and France?

There's a great thread from February with great London recommendations (including mine :) ): viewtopic.php?f=11&t=210461&p=3229952#p3229952

I stayed at a great VRBO (akin to AirBnB in London; will PM you the link).

Enjoy!
by SheReadsHere719
Wed May 03, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA as a savings account?
Replies: 32
Views: 3100

Re: Using Roth IRA as a savings account?

The Wiki has a helpful link for the scenario you are describing: https://www.bogleheads.org/wiki/Roth_IR ... gency_fund
by SheReadsHere719
Wed May 03, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: Giving a Talk on Personal Finance & Investing - Advice?
Replies: 41
Views: 2624

Re: Giving a Talk on Personal Finance & Investing - Advice?

Given the age bracket you're speaking to, this is one of my favorite graphs: https://blbarnitz4.files.wordpress.com/ ... impact.png

It drives home the points of: 1) investing early, 2) the compounding effect, and 3) the detrimental effect of high fees.
by SheReadsHere719
Mon May 01, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: The Power of Habit
Replies: 15
Views: 3527

Re: The Power of Habit

Smarter Faster Better by Charles Duhigg (follow-up to The Power of Habit)
Triggers by Marshall Goldsmith (more applicable for habits in the workplace)
Better than Before by Gretchen Rubin
And haven’t read it yet, but hear good things about Grit by Angela Duckworth
by SheReadsHere719
Wed Apr 26, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: 23yr portfolio help
Replies: 9
Views: 934

Re: 23yr portfolio help

Great that you have such low-fee 401k options! Definitely contribute up to the match there. Assuming you and your wife make < $186,000 jointly, you can contribute $5,500 * 2 = $11,000 for tax year 2017. The minimum contribution to open either VMMXX or VMFXX (great suggestions ruralavalon) is $3,000:...
by SheReadsHere719
Tue Apr 25, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: 23yr portfolio help
Replies: 9
Views: 934

Re: 23yr portfolio help

Agree with others on increasing your 401k contributions from 3% to 5% to maximize the matches. Also agree on opening the Roth IRAs – I would argue in favor of doing so sooner. You can place some of your existing emergency $ in a stable money market fund, and as BL mentioned, withdraw the contributio...
by SheReadsHere719
Wed Apr 19, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Cabo San Lucas ?
Replies: 13
Views: 1547

Re: Cabo San Lucas ?

Another +1 for Flora Farms Also enjoyed The Office on the beach – don’t miss the queso fundido! But avoid the vendors trying to sell you cheap wares on the beach. If you go to San Jose for the day, make sure to check out Jonathan Sanchez jewelry. Unique pieces made of old Mexican coins, stones, etc....
by SheReadsHere719
Tue Apr 18, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 11661

Re: My kids don't care about saving

My dad, who is completely anti-stock market, sent me an article right after I graduated about how saving a little bit in your 401k in your 20s can lead to being a millionaire later in life. That led me to sign up for my 401k as soon as I was able, which led me to bogleheads while researching all of...
by SheReadsHere719
Sun Apr 16, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 11661

Re: My kids don't care about saving

@KlangFool: I come from a very similar situation to TX_Man. Sometimes the best lesson is learned by what not to do. I don’t disagree with you when it comes to approach (parental lectures/control). But I do think there’s a way to use the ample materials and resources available such that it won’t even...
by SheReadsHere719
Sun Apr 16, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 11661

Re: My kids don't care about saving

the economy seems to be significantly harsher than it use to be, with the cost of traditional housing, choice-based low-deductible health care, quality higher education for children, and retirement security becoming increasingly out of reach for most people. Young people need to be clued into these...
by SheReadsHere719
Sat Apr 15, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 11661

Re: My kids don't care about saving

I disagree with the posters who say “your children are just acting normal for their age.” While that may be true, even a modicum of good behavior at our age will major dividends down the line in terms of 1) behavior and 2) compound interest. I also agree with MarginalCost that it’s a good strategy t...
by SheReadsHere719
Fri Apr 14, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4627

Re: What do you do with your coins?

Quarters get used for laundry and placed in their own baggie next to the laundry soap. Dimes, nickels, and pennies get tossed in a novelty tin. Once full, they get taken to Coinstar and exchanged for an Amazon gift card (as Mako said, no fee). Change in foreign currencies get mailed here: https://ww...
by SheReadsHere719
Tue Apr 11, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Medical School Loans - Repayment Options
Replies: 14
Views: 1715

Re: Medical School Loans - Repayment Options

But I think perhaps that a Perkins loan, itself, does not qualify for PSLF. But if you consolidate a Perkins loan into a direct loan, the Perkins loan now DOES qualify for PSLF, and after 120 payments, will be forgiven. The point is, that Perkins loans have their own forgiveness rules, and if one i...
by SheReadsHere719
Mon Apr 10, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Medical School Loans - Repayment Options
Replies: 14
Views: 1715

Re: Medical School Loans - Repayment Options

AZAttorney11, you've received some excellent info on PSLF. One small item to add: please make sure your family member does not consolidate their $4,000 Perkins Loan in with the Direct Loans. The Direct Loans qualify for PSLF, the Perkins Loan does not. Would hate for a $4,000 loan to mess up a $161,...
by SheReadsHere719
Thu Apr 06, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4403

Re: Packing cubes for travel

Another +1 in favor. I have the slim packing cubes from eBags, and was able to pack them for 2 weeks in Europe in the wintertime in a carryon. They fit perfectly length-wise in my carryon. I packed my shoes and toiletries around them to round out the space. Yes, it does take a little more organizati...
by SheReadsHere719
Thu Mar 23, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Need help with info about Portland
Replies: 14
Views: 1128

Re: Need help with info about Portland

Depends on where the wedding is, but my 2 recommendations would be: 1. Hotels downtown, paid mostly on points because they can get pricey during the summer season. Walkable to the MAX (lightrail), all the shopping (no sales tax!), restaurants and more. Make sure to minimize the # of cars you rent be...
by SheReadsHere719
Tue Mar 21, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Anyone use coupon apps?
Replies: 22
Views: 2267

Re: Anyone use coupon apps?

I had a similar issue with a gift card in late 2014/early 2015. I emailed them immediately; the refund took about a week to go through, but it did post. Their responsiveness is a main reason I check their site first over other GC sites. If you got a bad card, I recommend contacting them right away.
by SheReadsHere719
Wed Mar 15, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Anyone use coupon apps?
Replies: 22
Views: 2267

Re: Anyone use coupon apps?

Cardpool has target gift cards at 6.5% off so I don't bother with the target redcard anymore unless I'm ordering something online where they don't accept gift cards. Plus I can buy those with a 2% CC and get 2% back through topcashback so its really 10.5%. +1 for TopCashBack -> Cardpool. I use this...
by SheReadsHere719
Tue Mar 14, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Anyone use coupon apps?
Replies: 22
Views: 2267

Re: Anyone use coupon apps?

Nyc10036 wrote: Ebates....They pay out quarterly.


+1 for eBates, especially if you travel - the small %s can really add up!
by SheReadsHere719
Tue Mar 14, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Anyone use coupon apps?
Replies: 22
Views: 2267

Re: Anyone use coupon apps?

Coupon apps are all about how much time you’re willing to spend and how fun you think it is. You won’t be rolling in dough from these, but they certainly add up over time. That being said, here are my recommendations that don't require store loyalty cards: *the Cartwheel app for Target. You can scan...
by SheReadsHere719
Mon Mar 13, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to tackle fiancee's student loan debt
Replies: 33
Views: 2897

Re: How to tackle fiancee's student loan debt

Sounds like you and your fiancée are off to a good start: no law school loans and low monthly expenses. Even better that you’re on the same page about paying down her debt. A few thoughts below: *If she will be in school until spring 2019 and you won’t begin full-time work for another 6-7 months, I ...
by SheReadsHere719
Mon Mar 06, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 17069

Re: Possibly Financially Independent and Feeling Miserable

Quite simply, the higher our net worth increases, the tighter I want to hold on to it, the less happier I seemingly become, and the more I dislike myself and who I have apparently become. Although I know her investing philosophy is not 100% Boglehead, Suze Orman’s book The 9 Steps to Financial Free...
by SheReadsHere719
Mon Mar 06, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "stuff" for kids?
Replies: 53
Views: 4128

Re: How much do you spend on "stuff" for kids?

In general they will ask for stuff often, but the answer is usually "no" and they really do not persist or pout, and move on very quickly. ..... Books is actually the big spend category at $900. DD is a voracious reader and DS is getting there. Between Amazon, 3 library sales and some boo...
by SheReadsHere719
Mon Mar 06, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 8185

Re: How much do you spend on food in a year?

Just two of us, we're foodies, so higher than average and we could cut back (we could spend a lot more too). In 2016 we totaled $14.1K. * Food & liquor - $7.8K * Dining out - $6.3K (we dine out every Sat & Sun) Our total is almost exactly the same; includes groceries, all meals out includin...
by SheReadsHere719
Sat Mar 04, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early??? Possible?
Replies: 16
Views: 2306

Re: How to retire early??? Possible?

jjface wrote:Read up on roth conversion ladders.


Mad Fientist has a helpful article about this: http://www.madfientist.com/retire-even-earlier/
by SheReadsHere719
Fri Mar 03, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: What the heck - student loans vanquished over here too!!
Replies: 9
Views: 1195

Re: What the heck - student loans vanquished over here too!!

Texanbybirth wrote:So cool! :beer

(It's like the debt payoff fairy year-end bonus fairy has sprinkled her dust extra heavy around here today. There are some serious amounts of debt being vanquished.)


There, fixed that for you :D (to be sure, I benefited from her too!). Congratulations guitarguy!
by SheReadsHere719
Fri Mar 03, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Path to Financial Health
Replies: 4
Views: 467

Re: Path to Financial Health

This seems like a sensible plan of action – you are a good friend for helping! Some suggestions: 1) Swap #4 and #6. Once you open that CapitalOne savings account (also a fan of their online interface), make sure your friend has a solid Emergency Fund established before proceeding with the next steps...
by SheReadsHere719
Sun Feb 26, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 553
Views: 134316

Re: Share your net worth progression

Tracking net worth since 2012 thanks to Mint. All figures given are year-end.

2012 (graduated college): -$12k
2013: $4k
2014: $14k
2015: $37k
2016: $68k

Keys: salary increases + tracking in Mint + Bogleheads.
by SheReadsHere719
Thu Feb 23, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 91
Views: 12842

Re: What are the big things to get right?

1. Analytical mind, life-long learning, strong decision-making ability. Without these skills everything else can fall apart. +1 Even more basic and fundamental than many of the excellent responses: know where your money is going. I think the ‘daily latte’ factor oftentimes gets discussed on other w...
by SheReadsHere719
Thu Feb 16, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 60
Views: 3824

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Roth IRA (~max'd out 2016 at $3700) If your gross is $105,000, you can max out your Roth IRA for 2016 at $5,500. You have until April 2017 to contribute the remaining $1,800; just make sure to specify that it's for the 2016 tax year. Since you're approaching the $117,000 income limit phase-out, I w...
by SheReadsHere719
Thu Feb 16, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Looking at a refurbished iPhone
Replies: 5
Views: 702

Re: Looking at a refurbished iPhone

I bought a refurbished iPad late last year and have had no issues. bluebolt is right; they do come with 1 year of AppleCare. My 2 pieces of advice: 1) Buy the iPhone on a good credit card (CSP/CSR, Amex, etc.) that has warranty and purchase protection in case you get a lemon. 2) Go through eBates to...
by SheReadsHere719
Wed Feb 15, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 4357

Re: How do you handle switching your handbag?

I have an in-bag purse organizer from the Container Store (link: https://www.containerstore.com/s/travel/clothing-accessories-organizers/in.bag-navy-aqua-tile-purse-organizer/12d?productId=11003240). I can fit the majority of my items in it, and seamlessly transfer between handbag and work backpack ...
by SheReadsHere719
Thu Feb 09, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 37
Views: 3490

Re: Financial Movies and Shows

Reviving this thread - Billions just finished its first season on Showtime; one of the creators is Andrew Ross Sorkin, who wrote Too Big to Fail. Excellent acting.
by SheReadsHere719
Wed Feb 08, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Airport for Tampa Area
Replies: 9
Views: 1033

Re: Airport for Tampa Area

Not a dumb question; PIE is the St Pete/Clearwater airport (http://www.fly2pie.com/), which is a small, mostly regional airport. TPA is Tampa International, the larger hub. I would recommend looking at hotels in St. Pete rather than Tampa if you're trying to stay nearby.

Hope that helps!
by SheReadsHere719
Wed Feb 08, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: London & Prague recommendations
Replies: 15
Views: 1303

Re: London & Prague recommendations

For London: I recommend the Rick Steves guidebook. He has some excellent self-guided tours through the larger museums that give you the ‘best of’ highlights without having to wander all day. You can walk + take the Tube to everything listed below. Museums: *Tower of London & the crown jewels *Ta...
by SheReadsHere719
Tue Feb 07, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2981

Re: Napa/Sonoma Recommendations

My favorites (all Sonoma County): Town of Sonoma: 1. Gundlach Bundschu 2. Bartholomew Park 3. Ravenswood 4. Buena Vista winery Healdsburg (+1 for Bear Republic): 1. Meeker 2. Seghesio 3. Pezzi King Kenwood: 1. Kenwood winery 2. Ledson 3. Kunde And another +1 for not driving to all the tastings; ther...
by SheReadsHere719
Sun Feb 05, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 67
Views: 6918

Re: Cord cut strategy for young family

To address question #2 (Apple TV + iPad): I have the same setup, and use AirPlay to stream content from my iPad onto my TV via Apple TV. (how to: https://support.apple.com/en-us/HT204289). I use it mostly for Amazon Prime, but if you subscribe to Hulu (or some of the other networks listed with an ap...
by SheReadsHere719
Mon Jan 23, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: IRA recharacterization
Replies: 7
Views: 622

Re: IRA recharacterization

I posted this in another thread as well, but if you and your wife are married filing jointly and your MAGI is $128,000, you’re under the Roth contribution limit for 2016 ($128,000 < $184,000): https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that-you-ca...
by SheReadsHere719
Fri Jan 20, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to get on track
Replies: 35
Views: 2540

Re: Trying to get on track

Echoing bloom2708 on 2 points: 1) Frugal Woods is a wonderful blog for learning about reducing spending. You’re 100% on the right track by using Mint and tracking your expenses; that’s a commendable first step that should not be overlooked. 2) Unless I’m misreading your original post, your AGI is $1...
by SheReadsHere719
Thu Jan 19, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6015

Re: Medical Billing Disagreement - Stark Law

Disclaimer: I work with facility billing rather than professional billing, so please take my advice with a grain of salt. The office manager, however nasty, is correct: once a charge is incurred, it’s not something that can be removed from a bill in a compliant fashion. There are a few exceptions, b...

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