Search found 149 matches

by Soul.in.Progress
Sat Nov 21, 2020 9:26 am
Forum: Personal Investments
Topic: Is this Vanguard "transition" e-mail legit?
Replies: 29
Views: 3023

Re: Is this Vanguard "transition" e-mail legit?

One way to tell it’s legit is that it doesn’t tell you to “click the button or link below”, or “claim your million dollar prize by calling this <unrecognized> number”, use a fear tactic like, “ your PayPal account has been hacked“, nor indicates that you have “to respond within 24 hours.” It tells y...
by Soul.in.Progress
Fri Nov 13, 2020 8:11 am
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 278
Views: 20169

Re: Taylor Sends His Best to Fellow Bogleheads

You’re looking great, Taylor!

Hope you’re back on your feet, feeling great, in no time :happy
by Soul.in.Progress
Fri Sep 18, 2020 9:12 pm
Forum: Personal Consumer Issues
Topic: Toddler Education
Replies: 43
Views: 2270

Re: Toddler Education

Introductory Board games: Candy land (a classic) Hullabaloo. (Super fun!!) Legos (the toddler size ones) Any kind of building blocks or building sets for tiny hands, there are so many. A play kitchen with play food and pots and pans. Helping you in the kitchen too. Household tasks (indoor or outdoor...
by Soul.in.Progress
Tue Sep 15, 2020 9:12 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14083

Re: Is this guy trying to scam me on a car I'm selling?

I don’t trust any strangers who try to butter me up without even knowing me. Too suspicious.

I am definitely voting scam on this one.
by Soul.in.Progress
Tue Sep 15, 2020 5:59 pm
Forum: Personal Investments
Topic: Positioning for retirement at 55
Replies: 15
Views: 2547

Re: Positioning for retirement at 55

The answer to this goal (for me anyway) was definitely a taxable account. You’re doing wonderfully with 401k, home equity, and are on your way with 529s. And I agree with the comments above about backdoor Roth. Above and beyond these, considerable savings in taxable enabled my retirement by 45, and ...
by Soul.in.Progress
Sun Sep 06, 2020 10:20 am
Forum: Investing - Theory, News & General
Topic: Leaving your job: quitting for good vs sabbatical leave
Replies: 46
Views: 3729

Re: Leaving your job: quitting for good vs sabbatical leave

I can totally relate as I went through a very similar situation several years ago: had the prestigious job that most people would never think of leaving, liked many aspects of my role and what I actually did for wok, but had also been in a burn out stage and was financially independent. Add to that ...
by Soul.in.Progress
Sun Aug 16, 2020 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA Provider for Rollover
Replies: 31
Views: 1353

Re: Best HSA Provider for Rollover

Fidelity was super convenient for our HSA transfer needs, and had great options for investments.
by Soul.in.Progress
Wed Jul 22, 2020 9:00 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1843
Views: 235725

Re: Post your Financial Milestone Announcements Here

This gambler paid off the mortgage yesterday. I expected a brief moment of elation but it was anticlimactic. I've felt more excitement walking away from a poker table with a couple grand more than I came with. Maybe one of y'all can feel the excitement for me. :beer Congratulations. The elation wil...
by Soul.in.Progress
Mon Jul 06, 2020 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Manager vs. Direct report salary issues
Replies: 151
Views: 10853

Re: Manager vs. Direct report salary issues

Wow, not sure if this is an industry thing, but common sense says a manager makes more than direct reports. If it is a field where managers are usually former contributors who have been promoted up, then that makes sense in general. But there's always going to be a few indispensable workers who hav...
by Soul.in.Progress
Thu Jun 18, 2020 9:15 am
Forum: Personal Investments
Topic: I am beginner, it's hard to decide when to buy.
Replies: 41
Views: 2312

Re: I am beginner, it's hard to decide when to buy.

If the money is pegged for retirement and since you are 28, there is no need to make a “decision” on when to buy. The answer is now. Over the long haul, you’re likely to gain more by being in the market longer (which is why you should buy now), vs waiting for a day when the market is down. Your “ori...
by Soul.in.Progress
Sun Jun 14, 2020 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11849

Re: Prenup? What Should It Say?

I find this thread very interesting. OP, I agree with folks who are advising you to reflect more, before making big decisions that impact finances. I don’t have specific comments on your original post question, but one idea for getting a close up view of dividing assets might be to watch the movie “...
by Soul.in.Progress
Wed Jun 10, 2020 7:10 pm
Forum: Personal Investments
Topic: Is my thinking out of line with NOT funding a 529?
Replies: 41
Views: 3118

Re: Is my thinking out of line with NOT funding a 529?

As others have said, it’s certainly not a requirement to fund a 529. However, with your plan to cash flow college, how certain are you that cash flow will be coming in at that time? In other words, how stable is your employment?
by Soul.in.Progress
Wed Jun 10, 2020 2:54 pm
Forum: Personal Investments
Topic: Asset allocation for Vanguard 529
Replies: 5
Views: 341

Re: Asset allocation for Vanguard 529

This is a decent plan, and you can also consider using the glide funds were Vanguard automatically does the above for you. You might think ages three and one are busy, but oh, just wait till they’re older :D . The Vanguard glide funds sort of take care of it for you, so it’s one less thing for you t...
by Soul.in.Progress
Tue Jun 09, 2020 8:16 am
Forum: Personal Investments
Topic: investment priority recommendations - what do we fund next?
Replies: 38
Views: 1293

Re: investment priority recommendations - what do we fund next?

Congrats on a great start and a clear plan! My vote would be to increase number seven and my thinking goes as follows: the money you would otherwise put towards number five and six—if now redirected to number seven—could theoretically double by the time you have to pull it out for college payments, ...
by Soul.in.Progress
Sun May 31, 2020 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.
Replies: 70
Views: 6361

Re: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.

Also be wary of any merchant—where you transact in person—who says “my card reader is not working correctly at the moment (or seems to be flaky today), can I see your card?” If they need to manually enter in your card information including the CVV number, they could be a middle man selling CC number...
by Soul.in.Progress
Wed May 27, 2020 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: College tuition- DIY or pay a professional?
Replies: 15
Views: 2279

Re: College tuition- DIY or pay a professional?

I recommend that you invest it yourself. From your post it seems you’re not a newbie to investing. Your approach seems reasonable to me. You can also use a target date fund or a Vanguard 529 glide path fund as others have mentioned. We’ve been very happy with the gains in our 529s, and no taxes on w...
by Soul.in.Progress
Tue May 26, 2020 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Move HSA to Fidelity or Elsewhere?
Replies: 35
Views: 2400

Re: Move HSA to Fidelity or Elsewhere?

I was very glad to get out of Optum bank for our HSAs. When I did my research, Fidelity seemed to offer exactly what I was looking for: no minimums, no ongoing fees, lots of low cost index fund choices, and excellent online service. I was able to transfer two different HSAs by a few online clicks an...
by Soul.in.Progress
Sun May 24, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 165
Views: 20358

Re: Any Instant Pot users here?

I’m very attached to mine! I cook a ton, and it has been easily the handiest thing ever to come into my kitchen besides an assistant chef :D There are several things I love about it, the most important being the fact that it is mostly hands off, as opposed to standing over/near a stove and having to...
by Soul.in.Progress
Sun May 24, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39618

Re: The axe falls and I am prepared. What's next?

I’m sorry to hear about the axe falling, KlangFool. I know from your posts that you have set yourself up for success in this situation. I think you will be fine no matter what you choose to do, work more or retire. Best wishes to you as you navigate this. Keep posting you advice to other Bogleheads,...
by Soul.in.Progress
Thu May 14, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Companies that have a pension and 401k?
Replies: 63
Views: 3682

Re: Companies that have a pension and 401k?

My former megacorp employer offered both a pension and a 401k. The pension required no contribution on our part, and was based on a formula. When they decided to end that pension plan in the beginning of the millennium, they grandfathered us in and it was not available to anyone who joined afterward...
by Soul.in.Progress
Thu May 14, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3474

Re: What to do with canned chicken?

It's a lot more versatile than canned tuna (we have a bunch of both). I eat it straight of the can, but I suspect (although not ideal) that it would be perfectly fine in any recipe where you would normally use chicken breasts or thighs. We do exactly this ^ plus some of what Livesoft said. It is go...
by Soul.in.Progress
Sat May 09, 2020 7:01 am
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 54
Views: 4456

Re: Thank you, moderators!

Piling on my thanks too :D
by Soul.in.Progress
Fri May 01, 2020 6:32 am
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 47428

Re: 30 year mortgage under 3%

Nimish555,

Can you let us know where you got that?

Thanks!
by Soul.in.Progress
Fri Apr 17, 2020 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14440

Re: How many paid for kids' college?

We are paying/will pay for all three children’s college costs, including tuition, fees, room/board, etc. One is in college and two haven’t started yet. We used/are using 529s to fully fund, we were lucky to be able to put in a nice chunk of change into the plans when each child was very young. Mr Ma...
by Soul.in.Progress
Fri Mar 27, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus check from pandemic 2020
Replies: 37
Views: 3310

Re: Stimulus check from pandemic 2020

NBC Today show the other day said that for people who have already filed 2019 taxes, they would use 2019 information, otherwise they would use 2018 information. But I don’t know what the cutoff date is for when you would have had to file 2019 for it to count.
by Soul.in.Progress
Mon Mar 23, 2020 8:40 pm
Forum: Investing - Theory, News & General
Topic: Who here is buying stocks today and how much?
Replies: 311
Views: 28957

Re: Who here is buying stocks today and how much?

We’re also buying 100% stocks during this “opportunity”. Methods are various: with all dividends or interest received, with my husband’s 401k contributions (100% of his contributions are going to stock), with things like FSA checks, with his bonus money (just received), and in our family HSA. I am a...
by Soul.in.Progress
Fri Mar 20, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 73
Views: 6057

Re: Pay cleaning lady during coronavirus pause?

For those leaving payments under a mat, consider using Venmo. Your cleaner should be staying home. Good point! I’ve never used Venmo so it didn’t even occur to me. I will text my cleaner about it for the next payment. I’m still not fully adjusted to this changed world and the new way of thinking :P
by Soul.in.Progress
Fri Mar 20, 2020 6:18 pm
Forum: Personal Investments
Topic: Unexpected Pension...
Replies: 13
Views: 1119

Re: Unexpected Pension...

Have they sent her a letter or other notification? If not, I'd recommend that she not provide ANY further information over the phone and instead request a letter from the company detailing the options and the steps to take. I can't imagine a company calling a fifteen year ago former employee on the...
by Soul.in.Progress
Thu Mar 19, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Cruise cancelled [take refund or future credit?]
Replies: 51
Views: 2834

Re: Cruise cancelled [take refund or future credit?]

Definitely refund. There are too many uncertainties with future cruise credit use.
by Soul.in.Progress
Thu Mar 19, 2020 8:36 pm
Forum: Personal Investments
Topic: What tax deferred options have early withdraw option?
Replies: 6
Views: 264

Re: What tax deferred options have early withdraw option?

I think I-Bonds count? Interest is tax deferred and you can withdraw early after a relatively short waiting period.
by Soul.in.Progress
Thu Mar 19, 2020 6:32 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 73
Views: 6057

Re: Pay cleaning lady during coronavirus pause?

We have decided to pay our cleaning person. We told him to to let us know when he was in the neighborhood for anyone else, and we would put it under our mat for him to just swing by and pick it up.
by Soul.in.Progress
Tue Mar 17, 2020 3:17 pm
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 92
Views: 6883

Re: Giving thanks to our moderators

Thank you, mods!! For all that you do. It is very much appreciated :happy
by Soul.in.Progress
Sat Mar 14, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16411

Re: Coronavirus Flight Cancel Thread

1. Who successfully cancelled their flight? I have, for four people across two R/T flights 2. What airline? American (so glad they are allowing this, and made it easy online!) 3. Full or partial refund? Full 4. Online or via phone? Online 5. What was the most successful approach to getting this done...
by Soul.in.Progress
Wed Feb 26, 2020 6:51 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1843
Views: 235725

Re: Our mortgage is GONE!

Congratulations on achieving your goal Willthrill81!
by Soul.in.Progress
Thu Jan 23, 2020 1:02 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 28595

Re: Sad news: LadyGeek's husband has passed

My deepest condolences to you and loved ones on your loss, LadyGeek. Thank you for the wisdom shared here on the financial and legal details, hey are appreciated.
by Soul.in.Progress
Fri Dec 20, 2019 7:36 am
Forum: Investing - Theory, News & General
Topic: You’re never going to make enough money if you have 40% of your money in bonds
Replies: 186
Views: 17866

Re: You’re never going to make enough money if you have 40% of your money in bonds

goblue100 wrote: Thu Dec 19, 2019 6:26 pm I tend to agree accumulators should be at least 80% stocks. I always was. However, once you get a pile and don't want to lose that pile, 60/40 looks better.
This +100. And I’m not just saying that because I’m a fellow M alum.
by Soul.in.Progress
Sat Dec 14, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: Places to Go Out When You Don't Want to Spend Much or Any Money
Replies: 129
Views: 11352

Re: Places to Go Out When You Don't Want to Spend Much or Any Money

If you have a disc golf set (can get one fairly cheap), I believe disc golf courses are free all around the country.
by Soul.in.Progress
Sat Aug 24, 2019 7:46 am
Forum: Investing - Theory, News & General
Topic: Ok to transfer $$ from UTMA to custodial Roth IRA?
Replies: 10
Views: 833

Re: Ok to transfer $$ from UTMA to custodial Roth IRA?

If this guy is correct in his interpretation of the laws/tax rules, we were planning to follow his suggestion (albeit with adjusted numbers for 2019 IRS limits), and it would create the tax liability for her. https://www.forbes.com/sites/troyonink/2018/04/24/paying-for-college-offset-25000-in-capita...
by Soul.in.Progress
Sat Aug 24, 2019 7:26 am
Forum: Investing - Theory, News & General
Topic: Ok to transfer $$ from UTMA to custodial Roth IRA?
Replies: 10
Views: 833

Re: Ok to transfer $$ from UTMA to custodial Roth IRA?

I'm a little confused about your second question. *there is a $500 required college fee *the $500 fee is being paid from money in your daughter's UTMA (Uniform Transfer to Minors Act) account (not a 529 plan account), which is her account, her money, not your money *you are taking that $500 payment...
by Soul.in.Progress
Fri Aug 23, 2019 9:22 pm
Forum: Investing - Theory, News & General
Topic: Ok to transfer $$ from UTMA to custodial Roth IRA?
Replies: 10
Views: 833

Re: Ok to transfer $$ from UTMA to custodial Roth IRA?

Thank you both, I appreciate it! This confirms my interpretation of what I had been finding in my research/internet reading. '
by Soul.in.Progress
Fri Aug 23, 2019 1:36 pm
Forum: Investing - Theory, News & General
Topic: Ok to transfer $$ from UTMA to custodial Roth IRA?
Replies: 10
Views: 833

Ok to transfer $$ from UTMA to custodial Roth IRA?

Hello Bogleheads famiy! I’ve google searched this forum as well as the internet and can’t seem to find an answer to my questions. 1. We are currently custodian for our daughter, who is below age of majority for her UTMA. The UTMA is at Vanguard and we also have a custodial Roth IRA for her there, fu...
by Soul.in.Progress
Sun Jun 09, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 4703

Re: Preventing Identity Theft

I also recall a thread or two from a few years ago that recommended disabling the online access to one’s ssa account, since some people’s online access was hacked and ssa payments were initiated and sent to a thief’s account, unbeknownst to the person with the true identity. I did a quick search on ...
by Soul.in.Progress
Fri Feb 01, 2019 9:58 am
Forum: Personal Investments
Topic: New Money - Can I get it tax-protected?
Replies: 31
Views: 1958

Re: New Money - Can I get it tax-protected?

Are you eligible for an HSA?

Beyond the tax deferred vehicles you mentioned that you currently use, we also use an HSA, 20k of I-Bonds, and tax-exempt bond funds to increase our tax-advantaged space.
by Soul.in.Progress
Sat Jan 19, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Myrtle Beach Restaurants
Replies: 15
Views: 1266

Re: Myrtle Beach Restaurants

Our family loves Italian food, and we really liked Sole Italian restaurant: food and service were excellent.
by Soul.in.Progress
Wed Jan 09, 2019 12:33 pm
Forum: Personal Investments
Topic: High Income for First Time, Kid on the Way, and I'm Overwhelmed with My Options (Long)
Replies: 43
Views: 4042

Re: High Income for First Time, Kid on the Way, and I'm Overwhelmed with My Options (Long)

Congrats on the upcoming baby!!


I will try to post more comments later, but on first glance I am wondering about healthcare insurance and costs? I didn’t see that listed in your budget.
by Soul.in.Progress
Wed Jan 09, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 60
Views: 5386

Re: How to save on prescription drug costs?

My doctor introduced me to Eagle pharmacy, and I was very happy with their service and costs. You might want to check if your doctor can prescribe through them.

Best wishes.
by Soul.in.Progress
Mon Jan 07, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 5588

Re: 11 days in Europe...Budget and logistical advice please

Like many who posted, I absolutely love traveling to Europe. In the amount of time you’re going, we probably would cover only half of a large country in Europe, but to each his own.... Lots of great advice above, but one thing I thought I’d mention since it’s your first Europe trip and you asked abo...
by Soul.in.Progress
Mon Nov 19, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendations for vegetable spiralizer
Replies: 3
Views: 405

Re: Seeking recommendations for vegetable spiralizer

Thank you! Hope your zucchini spaghetti dinner tonight was great :D That does look like a great product with a variety of blades as well as very good price. I’m curious, did you decide to go with manual (vs electric) for cost reasons, or other reason(s)? I’m trying to make that trade off decision. I...
by Soul.in.Progress
Mon Nov 19, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Seeking recommendations for vegetable spiralizer
Replies: 3
Views: 405

Seeking recommendations for vegetable spiralizer

Dear fellow Boglehead consumers, I’m currently interested in buying a vegetable spiralizer—the type that can create zucchini “noodles” for example. I see that there are manual and electric types, as well as quite a (surprisingly) large range for prices. If you are happy with your machine, I’d love a...
by Soul.in.Progress
Thu Nov 15, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 8871

Re: Are you all staying the course?

Yup. Staying the course.

It’s a Boglehead ”secret of success” “key to success.”