Search found 75 matches

by SheReadsHere719
Thu Oct 05, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Health insurance gamble?
Replies: 24
Views: 2014

Re: Health insurance gamble?

HR keeps telling my wife that even if we are not covered and have an insurance claim, that when they sort everything out we will be retroactively covered. That sounds wrong to me and I feel like it is just them trying to make us go away. HR is actually correct on this; COBRA includes 60-day retroac...
by SheReadsHere719
Thu Aug 24, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Plan My Retirement
Replies: 14
Views: 2213

Re: Help Me Plan My Retirement

You asked about opening an IRA and a Roth. They are not two different things like apple and banana; they are two different things like apple and green. An IRA can be either Roth or traditional. +1 The IRS has a good breakdown between the two: https://www.irs.gov/retirement-plans/traditional-and-rot...
by SheReadsHere719
Tue Aug 22, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Plan My Retirement
Replies: 14
Views: 2213

Re: Help Me Plan My Retirement

Welcome to the forum, Smartinvested. *No debt, emergency fund, and 401k contributions up to match look good. *Bogleheads preferred funding priority is as follows: 1. 401k up to match 2. IRA up to max 3. 401k up to max 4. taxable So right now, you’re skipping steps #2 and #3. I would recommend fillin...
by SheReadsHere719
Fri Aug 18, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Want to give money to relative traveling int'l - options?
Replies: 19
Views: 1213

Re: Want to give money to relative traveling int'l - options?

Depends on the age of the recipient, but I'm assuming they are tech-savvy. Can you send them a Venmo payment? That way, you don't need account #s (just phone #), it will still be a surprise, and it avoids the hassle of using cash/travelers checks.
by SheReadsHere719
Thu Aug 17, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 4123

Re: Other people's perception of your finances

Exactly. This has NOTHING to do with who's richer. I don't care if I'm staying at the mansion of the richest family in the nation. This has to do with basic manners and upbringing. I can't imagine staying at somone's home and not constantly making myself useful: offering to help with dishes, laundr...
by SheReadsHere719
Thu Aug 17, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 4123

Re: Other people's perception of your finances

*2 weeks is a very long time; agree with others about capping the number of nights guests can stay. *Family #1 might be redeemable guests in the future; family #2 had their trial run. Sounds to me like it’s less about a perception of wealth and more about kindness, generosity, and good manners. * Pr...
by SheReadsHere719
Thu Aug 17, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio for 24 year old
Replies: 17
Views: 1722

Re: Vanguard Portfolio for 24 year old

Both legendor and ruralavalon are correct. Legendor: agreed, it’s only movement of the $1,500 to start the Roth IRA, not spending. Ruralavalon: agreed that the high-interest student loan debt should be priority #1, and should be paid off prior to making any more contributions to the Roth IRA for the...
by SheReadsHere719
Wed Aug 16, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio for 24 year old
Replies: 17
Views: 1722

Re: Vanguard Portfolio for 24 year old

Since you are in the 25% tax bracket, it is likely better to stick with the traditional 401k. See the Wiki: https://www.bogleheads.org/wiki/Traditional_versus_Roth. As for your emergency fund, my understanding is you cannot add that to a Roth 401k; it would need to be added from your paychecks. The ...
by SheReadsHere719
Tue Aug 15, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio for 24 year old
Replies: 17
Views: 1722

Re: Vanguard Portfolio for 24 year old

Echoing others about the Target Date fund. If you’d prefer, you can use the 2055 fund – although the asset allocation is quite similar to 2060 right now since the time horizons are still long on both. You mentioned “I already have ~30% assets there,” but the fund itself is diversified for you across...
by SheReadsHere719
Sun Aug 13, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) overcontribution?
Replies: 6
Views: 409

Re: 403(b) overcontribution?

I faced the same problem (over-contribution + 2-week lag time). Here’s the timeline of what I did: 7/17: changed contribution down. Effective 8/11 paycheck. 7/31: changed back to regular contribution amount. Effective 8/25 paycheck. Given the lag time, I wanted to make the change now so as to avoid ...
by SheReadsHere719
Thu Aug 03, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Any website to get paid carpooling?
Replies: 12
Views: 1038

Re: Any website to get paid carpooling?

Casual Carpool has hugely popular in the Bay Area since the 1970s: http://sfcasualcarpool.com/ Also a great article on it: http://www.cbsnews.com/news/casual-carpool-san-francisco-rideshare/ You won't get paid, but you will save a lot of time using the carpool lanes. Plus, some riders carry cash to ...
by SheReadsHere719
Thu Aug 03, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Just general comments for a 22 y/o on financial position
Replies: 31
Views: 5085

Re: Just general comments for a 22 y/o on financial position

nedsaid wrote:Meg77, that was great advice given above. I would nominate that post for the Bogleheads Hall of Fame if there was one.
+1!
by SheReadsHere719
Sun Jul 30, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Those Of You In a HCOLA - What's Your Financial Plan
Replies: 68
Views: 7352

Re: Those Of You In a HCOLA - What's Your Financial Plan

*We also have 1 car and use public transportation. *Craigslist is awesome in big cities for both buying and selling. *Cities have a lot of great resources. This includes free events open to the public, free days at museums for city residents, and annual passes to museums through the library. *The Fr...
by SheReadsHere719
Mon Jul 24, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 8723

Re: Investing Education and Mansplaining

Everyone should closely re-read meaghansketch and WL2034’s posts – they are excellent and make it clear that Mansplaining is not a “war between men and women” or an aversion to Bogle explaining investment principles. Rather, I’ll illustrate with my own recent example: an older male coworker Mansplai...
by SheReadsHere719
Mon Jul 17, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 2604

Re: 18 year old first credit card recommendations

If you or your daughter has access to USAA, they have a great intro credit card. Starts with a $500 limit, and the credit is established in their name, plus USAA has excellent customer service should she run into any issues or lose her card. Worked well for me!
by SheReadsHere719
Thu Jul 13, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is booking travel via Chase Travel Portal cheaper?
Replies: 15
Views: 1799

Re: Is booking travel via Chase Travel Portal cheaper?

As long as there is availability and the price is not drastically different, one other aspect to keep in mind is that you will still accrue airline miles/hotel points when booking through the UR portal. Something to keep in mind of valuation or working towards premier status. Another UR tip: althoug...
by SheReadsHere719
Mon Jul 10, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Background Jazz
Replies: 5
Views: 742

Re: Background Jazz

The "Autumn Jazz" station on Pandora is my go-to.
by SheReadsHere719
Thu Jul 06, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: (26YO) Financial/Investment Life Planning (Opinions wanted).
Replies: 19
Views: 1409

Re: (26YO) Financial/Investment Life Planning (Opinions wanted).

You’re on the right track, but IMHO you’re trying to tackle too many financial phases at once. Debt repayment, wealth accumulation, homesteading… it’s a lot! I would break it out as follows: Short-Term: Debt Payoff - continue 401k contributions up to match - refinance student loans (both $30k and $1...
by SheReadsHere719
Fri Jun 02, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Novice for Southwest Companion Pass - Questions
Replies: 11
Views: 933

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 Companion Pas...
by SheReadsHere719
Fri Jun 02, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Novice for Southwest Companion Pass - Questions
Replies: 11
Views: 933

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: 288

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: 1380

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: 4826

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: 3962

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 each new mo...
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: 415

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: 2906

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: 1899

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: 1899

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: 55
Views: 5071

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: 3422

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: 3038

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: 3826

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: 1062

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: 1062

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: 1685

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: 12489

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: 12489

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: 12489

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: 12489

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: 5285

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: m Can’t im...
by SheReadsHere719
Tue Apr 11, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Medical School Loans - Repayment Options
Replies: 14
Views: 1961

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: 1961

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: 4958

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: 1265

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: 2534

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: 2534

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: 2534

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: 2534

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: 3194

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: 18325

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...