Search found 227 matches

by coupleofcents
Fri Sep 20, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: Why does dividend investing not work?
Replies: 150
Views: 16600

Re: Why does dividend investing not work?

I think a lot people who focus on dividend investing like the idea of only withdrawing dividends in retirement to fund their living expenses, rather than selling shares. This provides safety against selling shares during a market crash etc. However, companies can choose to cut their dividends so thi...
by coupleofcents
Tue Aug 20, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card annual fee coming up - what to do?
Replies: 25
Views: 2773

Re: Credit card annual fee coming up - what to do?

Try to ask for another year without fee. If that doesn't work, downgrade to Quicksilver if you think you will use the Quicksilver at some point. But you said you already had the Chase Freedom Unlimited for 1.5% cash back, so probably downgrade to Capital Venture One with no annual fee. Then apply fo...
by coupleofcents
Thu Aug 15, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4977

Re: Is this 25% savings?

Just change the rate to $150.00 so marketing can keep their 25% savings language. 40 dollars off doesn't work as well I think because people don't have an anchor point if this is there first time paying for this product/service. Btw, I personally don't find 20 or 25% off anything that enticing. But...
by coupleofcents
Thu Aug 15, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: Why is market timing bad in this case?
Replies: 52
Views: 3218

Re: Why is market timing bad in this case?

2 problems: 1. You forgot to include dividends payouts in your comparison. 2. These numbers involve static changes, 10% returns, every year. But the market doesn't actually work like that. There will be ups and downs and the hypothetical person will still have to choose when to jump in. This would i...
by coupleofcents
Wed Aug 14, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4977

Re: Is this 25% savings?

Just change the rate to $150.00 so marketing can keep their 25% savings language.

40 dollars off doesn't work as well I think because people don't have an anchor point if this is there first time paying for this product/service.

Btw, I personally don't find 20 or 25% off anything that enticing.
by coupleofcents
Wed Aug 07, 2019 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Fixed vs Variable Mortgage
Replies: 23
Views: 1119

Re: Fixed vs Variable Mortgage

There's also a high chance you move at some point in the future. Average home owner is in a house for 7 years. Given that you're starting out in a career, with 2 young children, I suspect you will move at some point before the 17-18 year point you mentioned. So I would probably just refinance now to...
by coupleofcents
Thu Jul 25, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Getting New House Fever... Advice?
Replies: 26
Views: 1941

Re: Getting New House Fever... Advice?

Remember, there is always another house. Sometimes you can fall in love with a place and don't want to let it go. But there will always be another house to fall in love with. Seems like you should wait for now.
by coupleofcents
Fri Jul 19, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Is Sacramento Affordable--Under $400K Family Home?
Replies: 14
Views: 1999

Re: Is Sacramento Affordable--Under $400K Family Home?

- children 4 months and 2-1/2 years Will you be staying in Sacramento long? Will kids go to public school? We plan to home school so public schools are not a top priority now. We both have siblings who home school their kids so we have a realistic idea of what this entails. If we ever decided to ch...
by coupleofcents
Thu Jul 18, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Is Sacramento Affordable--Under $400K Family Home?
Replies: 14
Views: 1999

Is Sacramento Affordable--Under $400K Family Home?

For those familiar with Sacramento, do you think finding a house 400K or less for a family with 2 young kids is doable? Wife wants a relatively safer neighborhood (totally subjective) but it doesn't have to be the richest part of town either. What neighborhoods do you recommend? We are okay with 150...
by coupleofcents
Fri Jun 28, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

i hate to be that guy, but man, i couldn't imagine being able to afford a decent lifestyle on a ~$130K HH income with 2 small kids. truthfully, that type of income might not be comfortable in anywhere but a low to mid COL region - certainly not two of the most expensive in north america. And if the...
by coupleofcents
Wed Jun 26, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Going to Ireland in July
Replies: 24
Views: 1703

Re: Going to Ireland in July

Cliffs of Moher if you're going out west toward Galway. There's another cliff I believe north of that that is less populated and even better views, but I can't recall the name -- we didn't do it. Most Spectacular Cliffs of Kerry I think. We went in March and were the only people at the "Most Specta...
by coupleofcents
Tue Jun 25, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

OP we have been on a similar journey/similar decision points. I'm from a Rocky Mountain state; my DH is an immigrant but CA-based since he moved here in his early 20s. We met and got married in CA, then moved to NJ for our careers. Had a kid and knew we didn't want her to grow up so far from family...
by coupleofcents
Tue Jun 25, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

I grew up in Portland (1972-1997) and have lived in Atlanta since 2001. I can't comment on southern California. Below are things I would consider in the debate of Vancouver vs Atlanta. I think the most important items are jobs, housing cost and weather. Jobs: Atlanta has a ton more jobs than Portla...
by coupleofcents
Fri Jun 21, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

Officially moved from just east of Vancouver yesterday. We were there for a decade and loved it. Here’s the stickler though, my husband needed to find a new job and could not in the Portland area. And living in Vancouver you don’t really want to work in Portland because of the income tax and the ho...
by coupleofcents
Thu Jun 20, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

Georgia. Very easy decision. Much higher quality life there. Opposite thought here. Atlanta has become gridlocked and stifling. Vancouver WA sounds terrific. Different strokes. Yeah, my wife and I have lived in ATL since 1989 and we are bolting in April or May, 2020. No viable medium to longer term...
by coupleofcents
Thu Jun 20, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

I am a long term strategic think but my wife makes a good point that the living happens now and she feels there is a lot of value to be near family. I like the idea that "the living happens now". Your kids are quite young - 2.5 years and 3 months. The family tug is probably stronger for your wife (...
by coupleofcents
Wed Jun 19, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

If you regularly read this forum, apparently financially renting long term is better than buying per many posters. So I guess that shouldn't be a detriment to moving back to Orange County. Should also allow you to look for something with a short commute to avoid the traffic to some extent. Living a...
by coupleofcents
Wed Jun 19, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

OP, You don't mention what YOU want. I suppose that should be a higher priority considering you are the sole breadwinner. If you are unhappy where you live or work then you cannot give your best and earn to your full potential. And that is of no help to your family. Money isn't everything but it is...
by coupleofcents
Wed Jun 19, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

What is this obsession with "living near family"? 1) you have your own family now - wife, 2 kids. Everyone else is now just "extended family" 2) Atlanta has a major international airport - you can fly anywhere to visit your extended family or whoever you want, on your own timetable 3) How about you...
by coupleofcents
Wed Jun 19, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

left The OC four years ago? Good luck finding comparable housing to what you had. Not gonna happen unless you have a lot of cash stashed in the bank that you want to use for a downpayment. Check out current housing prices in your old stomping grounds on something like zillion or redfin or other onl...
by coupleofcents
Tue Jun 18, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

3rd option: stay in ATL but wife is 95% sure she does not want to stay in GA long term. I moved to Atlanta from Portland Or when I was in my late 40's during a company merger when I took a corporate relocation package. In retrospect it was a good choice even though there were some pros and cons. I ...
by coupleofcents
Tue Jun 18, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

Great responses so far. Obviously we've thought a lot about this. I thought I might get varied responses but this all helps. @Teague: it is important to live near my parents but more important for my wife to be near her family I think. @Jack FFR1846: we have been visiting 2x per year for to her fami...
by coupleofcents
Tue Jun 18, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7038

Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

Background: -married couple both 34 years old, children 2-1/2yr and 3 months - wife stay at home, we plan to home school - I work in privately owned large corp company - salary 100-120K depending on bonus with additional 20-35K per year added to retirement plan by employer 1. We moved from North Ora...
by coupleofcents
Tue May 28, 2019 1:25 pm
Forum: Personal Investments
Topic: What else can I do to achieve FIRE?
Replies: 58
Views: 4981

Re: What else can I do to achieve FIRE?

Hey, very similar stats investment total to yours except we are both 34 years old and wife is SAHM with 2 kids. Honestly you remind me of myself 4 years ago. I discovered the idea of FIRE and started moving the ball with investments, savings, etc. However, I reach the point where everything is prett...
by coupleofcents
Thu Feb 21, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Side gig ideas with minimal requirements?
Replies: 124
Views: 9722

Re: Side gig ideas with minimal requirements?

The far easier path would be to cut your expenses, and/or increase your income at your current job. There is tons of info out there including this forum with how to cut expenses. Increasing your income is a little less tangible and includes improving your skills, marketing yourself/schmoozing with t...
by coupleofcents
Mon Feb 04, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 9533

Re: Marriage "Benefits"

quite frankly I think the entire process is nonsense and you can absolutely be in love/committed to another person without the stupid ring and overpriced ceremony. i love her, never cheated, never will, and have the "Rest of my life" intention for sure. That's all that should matter ... right? I am...
by coupleofcents
Wed Jan 30, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: To Report Roth to Traditional to Roth again Recharacterization?
Replies: 0
Views: 89

To Report Roth to Traditional to Roth again Recharacterization?

Like a dummy, I recharacterized $3000 from Roth to Traditional last year in November, projecting that I would qualify for a partial deduction based on my anticipated MAGI. Didn't realize at the time I could wait until 2019 and still recharacterize 2018 contributions. Of course I received a much larg...
by coupleofcents
Fri Jan 04, 2019 9:24 am
Forum: Personal Investments
Topic: 2019 Lump Sum IRA Contribution
Replies: 28
Views: 2093

Re: 2019 Lump Sum IRA Contribution

I contributed 6k in to each of our tIRA accounts yesterday and waiting for it to post in to the settlement fund and then convert to Roth. Will need to wait a couple of more days before buying anything since I TLH'd early last month. I did the same, awaiting funds to post to settlement fund. Is ther...
by coupleofcents
Fri Jan 04, 2019 8:45 am
Forum: Personal Investments
Topic: 2019 Lump Sum IRA Contribution
Replies: 28
Views: 2093

Re: 2019 Lump Sum IRA Contribution

Contributed $6000 to wife's IRA on Jan 1. Contributed $6000 to my Roth IRA on Jan 1. I'm a believer in investing the money when you have it. I'm not smart enough to time the market. I'm 33 years old, so I won't touch this money for a long time. Transactions were processed on Jan 2nd. Now I have to w...
by coupleofcents
Wed Dec 12, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7925

Re: Is a New Car Okay if Driven 15+ Years?

Really depends how you are planning to purchase your vehicle. Cash or financing? If financing, what rate? You generally get a better deal by buying used, even if just 1 year old, since depreciation in the first year is highest. If you can finance at 0% then do that. Otherwise you are also paying int...
by coupleofcents
Fri Dec 07, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Where have the turtleneck base layer shirts gone?
Replies: 13
Views: 2013

Re: Where have the turtleneck base layer shirts gone?

Image

This is what I imagine with turtle necks.
by coupleofcents
Thu Dec 06, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 7432

Re: Anybody Miss the Crypto Rage on BH Forums

Question: What other investing philosophies/strategies do you find most likely to compete with Bogleheads in the years to come? Real estate. RE investors already have many many forums to discussing ideas. I think you're right. Real estate has a longer tenure for building wealth than really any othe...
by coupleofcents
Thu Dec 06, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 7432

Re: Anybody Miss the Crypto Rage on BH Forums

I never bothered to read any of the crypto threads. I'm here for the stocks and bonds, not the alternative investments. The way I see it, discussions about stocks and bonds are like the main course. Threads of the crypto ilk are like dessert, not necessary, probably bad for you, but oh so delicious.
by coupleofcents
Thu Dec 06, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 7432

Re: Anybody Miss the Crypto Rage on BH Forums

I never bought a single crypto currency, but I can't lie that the spirited discussions had on this forum provided much amusement. Crypto currencies seem to be the total antithesis to Boglehead philosophy. I feel like we keep losing competing philosophies as inflows to index funds keep rising. Quest...
by coupleofcents
Wed Dec 05, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 7432

Anybody Miss the Crypto Rage on BH Forums

I never bought a single crypto currency, but I can't lie that the spirited discussions had on this forum provided much amusement. Crypto currencies seem to be the total antithesis to Boglehead philosophy. I feel like we keep losing competing philosophies as inflows to index funds keep rising. Questi...
by coupleofcents
Wed Dec 05, 2018 12:31 pm
Forum: Personal Investments
Topic: Home Down Payment - Where to Save?
Replies: 22
Views: 2335

Re: Home Down Payment - Where to Save?

My savings goal is 80K as well for a down payment and currently have about 67K already. I do not have a definite time frame so here's what I do: 42K Total Stock/Total Int at Vanguard Brokerage. 25K ALLY No Penalty CD at 2.25% (3.25% currently with the Ally Bonus) I was in Vanguard Money Market (abou...
by coupleofcents
Tue Dec 04, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Rental car classifications
Replies: 13
Views: 1258

Re: Rental car classifications

I worked a major Rental Car agency for 2 years about 10 years ago. Back then there was Economy, Compact, Intermediate, Standard (midsize), Full Size, Small SUV, Large SUV, etc. Usually the difference is in size of car. Generally however, you will get nicer features as you progress to a standard or f...
by coupleofcents
Mon Dec 03, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5558

Re: Do you get a year end bonus?

I was hoping as a good little Boglehead you were going to say you were going to fill your IRAs on Jan 1. But then realized that if you're wife is getting a bigger bonus you may not be eligible for Roth anyways.

I've received between 30-50% of my annual salary over that last 5 years.
by coupleofcents
Thu Nov 29, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Gift tax question
Replies: 176
Views: 7516

Re: Gift tax question

I find it bizarre that people are even concerned about gifting 130k and IRS/estate tax limitations. In the grand scheme of things, this is a small amount of money and it’s hardly fraud to take 130k from your parents for a real estate purchase. I also find it strange that so many Americans think the...
by coupleofcents
Wed Nov 28, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3644

Re: How do value the cost of commuting?

I've read every response so far and your follow-up just struck me. I think it's very human to want more. But I really don't think you will be happier even if you got 50K more. What would get? More stuff, nicer stuff. If it helps, I also have a pretty sweet set-up with work life balance, not quite as...
by coupleofcents
Tue Nov 27, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: 25k Bonus - Tax Consequences?
Replies: 20
Views: 2496

Re: 25k Bonus - Tax Consequences?

Impossible to answer your question. The tax that will be deducted on an additional $25,000 in income is one thing. The tax you will OWE on that $25,000 income depends on your marginal tax rate when you file your taxes. If it is treated as a lump sum payment, the IRS specifies that 25% tax be withhe...
by coupleofcents
Sat Nov 10, 2018 11:36 am
Forum: Personal Investments
Topic: Traditional or Roth IRA for spouse and I
Replies: 28
Views: 1782

Re: Traditional or Roth IRA for spouse and I

IRA contributions reduce your AGI but the phaseout is based on MAGI, right? So I think the 403b helps, but the IRA doesn’t. I think... From IRS site: If you file Form 1040, refigure the amount on the page 1 "adjusted gross income" line without taking into account any of the following amounts. IRA d...
by coupleofcents
Sat Nov 10, 2018 10:28 am
Forum: Personal Investments
Topic: Traditional or Roth IRA for spouse and I
Replies: 28
Views: 1782

Re: Traditional or Roth IRA for spouse and I

IRA contributions reduce your AGI but the phaseout is based on MAGI, right? So I think the 403b helps, but the IRA doesn’t. I think... From IRS site: If you file Form 1040, refigure the amount on the page 1 "adjusted gross income" line without taking into account any of the following amounts. IRA d...
by coupleofcents
Fri Nov 09, 2018 3:28 pm
Forum: Personal Investments
Topic: Traditional or Roth IRA for spouse and I
Replies: 28
Views: 1782

Re: Traditional or Roth IRA for spouse and I

OP, If you early retired, you need 5 years of expense in your Roth IRAs and emergency fund in order for Roth conversion ladder to work. Then, you need some money in the Roth IRAs for your kid's college education. You have only 11K per year of Roth IRAs to work with. After all said and done, is it w...
by coupleofcents
Fri Nov 09, 2018 3:12 pm
Forum: Personal Investments
Topic: Traditional or Roth IRA for spouse and I
Replies: 28
Views: 1782

Re: Traditional or Roth IRA for spouse and I

Full traditional IRA deduction for 2018 is less than 101,000 income, partial deduction from 101,000-119,000. See https://www.fidelity.com/retirement-ira/contribution-limits-deadlines for a chart and a calculator if your AGI/MAGI (typically this is line 37 on IRS tax form 1040) is between 101,000-11...
by coupleofcents
Fri Nov 09, 2018 2:48 pm
Forum: Personal Investments
Topic: Traditional or Roth IRA for spouse and I
Replies: 28
Views: 1782

Re: Traditional or Roth IRA for spouse and I

Full traditional IRA deduction for 2018 is less than 101,000 income, partial deduction from 101,000-119,000. See https://www.fidelity.com/retirement-ira/contribution-limits-deadlines for a chart and a calculator if your AGI/MAGI (typically this is line 37 on IRS tax form 1040) is between 101,000-119...
by coupleofcents
Thu Nov 08, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for bonus without knowing amount?
Replies: 32
Views: 2039

Re: How to plan for bonus without knowing amount?

I also receive a 25-50% bonus of my yearly salary every December. As many have said just split it up in buckets based on percentages. If you're worried about life style inflation, probably the most boring but safest thing you could do would be to dump it onto your mortgage. Sounds like you are alrea...
by coupleofcents
Thu Nov 01, 2018 12:17 pm
Forum: Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8550

Re: Fully maxed out

I think there is a pretty small bandwidth here for 250k-300K income/year in which you could max everything out as you described.

I'm more impressed by savings rate as a percentage of income >50% for people making less than 150K/year.
by coupleofcents
Fri Oct 26, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 31667

Re: How many of you have cut the cord?

We have had no TV for 10+ years. My husband and I manage to waste enough time watching what we can get on a laptop (primarily Amazon, but also some online stuff via library card and pbs membership) - no need for a bigger screen to encourage it. When the kids are a bit older, we may set up a project...