Search found 1239 matches

by new2bogle
Wed Jul 18, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs
Replies: 17
Views: 352

Re: Europe travel Qs

Going shortly on a leisure trip with our family of 5, to France (Paris and Strasbourg) and Germany (Munich), with possible side-trip to Salzburg Austria. First time to Europe for me in many years. Qs: 1) Cash - Will probably take at least 2 different Visa credit cards. I figure we'll want some pape...
by new2bogle
Wed Jul 18, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 29
Views: 1701

Re: Salary vs. Lifestyle

I had a similar experience a few months ago:
www.bogleheads.org/forum/viewtopic.php?f=2&t=248148

I ended up not going through with the interview process.
by new2bogle
Wed Jul 18, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Booking Intl flight through costco --> Too early/late?
Replies: 0
Views: 98

Booking Intl flight through costco --> Too early/late?

We will be going to Europe in November and I will be booking through costcotravel. Right now I am getting what I believe is a pretty good price, 4 months out. I think for international flights this is a good timeframe to book and I should not wait longer. Does that sound about right? (costco travel ...
by new2bogle
Mon Jul 16, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: College savings plans - Roth vs. 529
Replies: 32
Views: 2407

Re: College savings plans - Roth vs. 529

Thanks - now I will keep on contributing to the Roth IRA for college. Over the weekend I was considering opening a 529 but I don't think so anymore. Couple of big reasons you want to open a 529, if your state offers a tax cut, then I would use the 529 to get those tax breaks. Also you need to consi...
by new2bogle
Mon Jul 16, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 60
Views: 3866

Re: $540 a month on food for graduate student budget too much?

Yes, that is too much. When I was in grad school (12-14 years ago) my monthly food budget was about half of that. I only ate out on friday or saturday nights (one, not both). Made everything else in my apt (grilled cheese sandwiches are cheap).
by new2bogle
Mon Jul 16, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8432

Re: Why own a bed?

The local bridge has some prime sleeping spots.
by new2bogle
Mon Jul 16, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: College savings plans - Roth vs. 529
Replies: 32
Views: 2407

Re: College savings plans - Roth vs. 529

Here is a plan that I am kicking around. I will open a home equity line of credit (HELOC). I will pay for my child's education via the HELOC. When they graduate I will then withdraw contributed fund from my ROTH to pay off the HELOC. Your primary residence and its mortgage is not considered in the ...
by new2bogle
Fri Jul 13, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: College savings plans - Roth vs. 529
Replies: 32
Views: 2407

Re: College savings plans - Roth vs. 529

Answering this really depends on your unique situation and more details than you provided. One of the better articles that breaks down the pros and cons of a Roth vs. 529 is linked below. https://www.thesimpledollar.com/529-vs-roth-ira-which-is-best-for-college-savings Thanks for the link. I put my...
by new2bogle
Wed Jul 11, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4283

Re: Which advanced tech is necessary in cars?

JoeRetire wrote:
Sat Jul 07, 2018 7:15 am
None are necessary.

Some are desirable.

Many are just a pain in the @ss and one more thing to break down.
This. I have my lane departure warning and front collision turned off. Very annoying.

What you need all cars will have: seat belts, ABS and skid control.
by new2bogle
Wed Jul 11, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2041

Re: Replace water heater at end of warranty or repair?

I don't flush my water heater. It is now almost 14 years old. Actually there are two of them installed, one of them I had to replace the temp sensor about 3 years ago since it stopped turning on. Other than that, no maintenance. In my rental house, I've had to replace both water heaters after just 4...
by new2bogle
Tue Jul 10, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 3858

Re: Dow 40000 prediction for 2025

In 2025, the Dow will be 1 MILLION points..... (or less)
by new2bogle
Mon Jul 02, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027463

Re: What Movie Have You Recently Watched?

Into The Wild (2007) Emile Hirsch, Vince Vaughn, Hal Holbrook. Directed by Sean Penn. Mostly true story of Christopher McCandless (AKA Alexander Supertramp) who drops out, abandons his family, gives away and burns all of his money, and hitchhikes to Alaska where he takes up residence in an abandone...
by new2bogle
Mon Jul 02, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027463

Re: What Movie Have You Recently Watched?

Rampage

Won't be winning any awards, but a solid action flick that entertained me the entire time.
by new2bogle
Mon Jul 02, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4644

Re: Retiring in Michigan (Ann Arbor)

I went to U-M for grad school in Ann Arbor. Absolutely loved the place and the winters did not bother me at all. I was able to live off of $1200/month while renting a 1-bedroom all for myself. The people are great and the progressive air just feels right. I love the diversity due to the exceptional ...
by new2bogle
Fri Jun 29, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: Keep calm and Boglehead on!
Replies: 60
Views: 5712

Re: Keep calm and Boglehead on!

I started really investing in 2007 when I got my first job out of grad school. Before that, my portfolio was no more than $15k that I save up over years of internships (and minus a car and other expenses of 20 year-olds). By 2008 I had about $70k in my portfolio when everything turned upside down. B...
by new2bogle
Fri Jun 29, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Why visa
Replies: 55
Views: 5441

Re: Why visa

Credit cards are a good tool if paying balance in full,but what happens if - 1. Person has money in bank to pay in full but could not pay on time due to health/other issues. 2. Person has money in bank to pay in full but dies and heirs dont know about the cc debt and it compounds. Same thing can be...
by new2bogle
Fri Jun 29, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Landlords- How Many Months of Expenses Do You Keep?
Replies: 8
Views: 1184

Re: Landlords- How Many Months of Expenses Do You Keep?

I don't keep a separate pot of money for my rental. All my short term money is in one pot and will go where needed. Currently it is at $66k.
by new2bogle
Fri Jun 29, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Keep calm and Boglehead on!
Replies: 60
Views: 5712

Re: Keep calm and Boglehead on!

livesoft wrote:
Thu Jun 28, 2018 8:23 am
The anxiety levels have really nothing to do with investing and what happens on this bogleheads.org forum. I don't see any reason to keep calm and I am very glad that folks are not keeping calm.
I am with you.
by new2bogle
Fri Jun 29, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Why visa
Replies: 55
Views: 5441

Re: Why visa

I wonder if by Visa OP means Credit Cards in general, not just Visa branded.

I use credit cards as much as possible and where ever possible. It is the absolute best way to pay for something.
by new2bogle
Fri Jun 29, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: "Who's John Bogle?"
Replies: 17
Views: 2360

Re: "Who's John Bogle?"

EJ has door to door salespeople?
by new2bogle
Wed Jun 27, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7160

Re: Are we just way over complicating this?

There are a number of people here, myself included, that go beyond a 1, 2 or 3 fund portfolio and have no issue with dealing with the additional complexity that might come with it. I really enjoy those particular discussions, actually. Doing so isn't for everybody, as evidenced by the comments by t...
by new2bogle
Wed Jun 27, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10354

Re: Lost out on promotion

Being in tech myself, here's my experience in promotions (getting passed over for years before figuring out how to play the game): 1) You must have good technical work. Doesn't have to be stellar, but don't be the one fudging things up. 2) You must have a good relationship with your boss (duh) 3) Yo...
by new2bogle
Fri Jun 15, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6989

Re: can we afford to spend $20K on travel annually

I'm a bit curious as to what type of state employee makes 230k before age 40, and can get a 100k pension at 60? LOTS of government employees make high salaries. Here are the ones in Nevada, for example, although the age and pension data aren't included: https://transparentnevada.com/salaries/all/ I...
by new2bogle
Fri Jun 15, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6989

Re: can we afford to spend $20K on travel annually

You are making a combined $360k and doing a great job saving + plus have a pension. Thank your lucky stars.

GO ENJOY LIFE!
by new2bogle
Thu Jun 14, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 9294

Re: I was rear ended and the other guy wants a payout!

When I was rear-ended the woman who rear-ended me claimed that I "cut in front of her". I don't know, that could be true. My lane was ending (right most lane) and merging into the next lane over on the left which should be a normal zipper merge except for the road ragers who don't want to let anyone...
by new2bogle
Thu Jun 14, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 9294

Re: I was rear ended and the other guy wants a payout!

What if a pedestrian darted in front of a car, and the driver had to stop suddenly. If you were behind this car, would you claim that you couldn't stop because the guy in front of you made a "sudden and unexpected stop"? Assuming I hit the car in front of me, yes, I would. And you think it would no...
by new2bogle
Thu Jun 14, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Has anyone used: TaxAct "Expert Review"
Replies: 0
Views: 160

Has anyone used: TaxAct "Expert Review"

I recently got an email from TaxAct (which I have used for the past ~10 years) about some "Expert Review" they can do on my previous tax forms. Here's the email: This offer includes a complimentary, one-on-one tax return assessment with an Independent Tax Professional. Your free financial review fea...
by new2bogle
Wed Jun 13, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 29
Views: 2369

Re: Learning how to fix/repair things

Sandtrap wrote:
Wed Jun 13, 2018 4:07 pm
YouTube.
Home Depot.
Just do it.
Easy.

j.
+1. This is how I learned. Not sure how people did it before youtube.
by new2bogle
Wed Jun 13, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Car Repair and Warranty
Replies: 11
Views: 921

Re: Car Repair and Warranty

Keep up with the Honda corporate email. I would advise to email the office of the ceo for Honda north america. They will respond. How much was the repair? Background: I had an issue with my Toyota and I decided to not even deal with the dealer and straight ahead contacted the office of the ceo of to...
by new2bogle
Tue Jun 12, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 78
Views: 11490

Re: Who uses the 3 fund portfolio ?

Classic 3 funder here (new this year) soon to become 4 when I participate in a new ESPP .... Wait I lied -- I have a 4th fund for TLH in a taxable account but it is VERY close (although clearly not identical) to Vanguard Total Market I don't consider my ESPP stock to be part of my overall portfolio...
by new2bogle
Tue Jun 12, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7365

Re: Boring Job

I knew my first job out of grad school was not what I wanted about 3 months in. It took another 15 months or so to find a job I wanted (searching on and off, not full time). In that first job, I mostly did not work, there was just not enough work to go around. I spoke up to the primary lead (my 2nd ...
by new2bogle
Tue Jun 12, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11662

Re: Are you including SS in your planning model? Are the benefits really that high?

Yes, benefits are high. My parents are getting around $60k/year in SS benefits. That is way more than they need so they do not need to touch their 401k/IRA/etc.
by new2bogle
Tue Jun 12, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11662

Re: Are you including SS in your planning model? Are the benefits really that high?

mdroz888 wrote:
Sat Jun 09, 2018 7:52 am
Don't forget to keep this in mind:

http://chicago.cbslocal.com/2018/06/07/ ... -out-2034/
Oh please. The only way SS funds run out is if current congress stops funding it while still looting from it.
by new2bogle
Tue Jun 12, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Which way to save for my child?
Replies: 32
Views: 1913

Re: Which way to save for my child?

I'm no expert but I believe I read Jack Bogle uses the UGMA/UTMA and the Vanguard Balanced fund for his grandkids. I recall him saying that he doesn't like 529 plans due to the restrictions on withdrawals . (emphasis mine) This is why I use Roth IRA as my preferred savings vehicle for college expen...
by new2bogle
Tue Jun 12, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13679

Re: Best Advice You Never Took

I was advised that it would be fiscally prudent to immediately go into a more lucrative field like finance or tech rather than pursue a PhD. I did not follow that advice. The advice was correct so far, financially, but there is more to life than one's salary or social prestige, something I've only ...
by new2bogle
Tue Jun 12, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13679

Re: Best Advice You Never Took

golfCaddy wrote:
Fri Jun 01, 2018 12:14 pm
go to med school
This.
by new2bogle
Tue Jun 12, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16788

Re: Top Shelf Liquor Overrated?

Picked up some Laphroaig based on this thread. Holy cow is that peaty. Felt like drinking a camp fire. :happy Hopefully I'll warm up to it, but right now I much prefer Oban 14, Macallan 10 and Talisker 10. Still have the Ardbeg on my list to try. I'm surprised you like the Talisker 10 but find the ...
by new2bogle
Tue Jun 12, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16788

Re: Top Shelf Liquor Overrated?

Picked up some Laphroaig based on this thread. Holy cow is that peaty. Felt like drinking a camp fire. :happy Hopefully I'll warm up to it, but right now I much prefer Oban 14, Macallan 10 and Talisker 10. Still have the Ardbeg on my list to try. I'm surprised you like the Talisker 10 but find the ...
by new2bogle
Tue Jun 12, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to this ESPP?
Replies: 21
Views: 1325

Re: Should I contribute to this ESPP?

I have a similar plan. I buy like 10% of salary at a 15% discount. I have to hold the shares for 1 year. I then sell them as long term cap gains, whether they are up or down (no timing). There's a good chance I've been doing my taxes wrong the last ten years, but I'm doing the best I can with the l...
by new2bogle
Tue Jun 12, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: paying off rental property?
Replies: 9
Views: 595

Re: paying off rental property?

So I bought a condo, lived it in for 3 years, then moved to my primary residence and have rented it out ever since (7 years). The property is worth about 130K, I have 71K left on it. It was an ARMS loan, and for the first 10 years, I paid interest only, which was fine because the rates were so low ...
by new2bogle
Mon Jun 11, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2538

Re: How much to invest in elementary education?

+1 My daughter went to a private junior high. One of her classmates was suspended for a few days because she was seen smoking a cigarette -- not on school grounds, but somewhere within sight of the school. Meanwhile, the local public school could not prevent students from selling drugs from their l...
by new2bogle
Thu Jun 07, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 60
Views: 5895

Re: Severance Package Question

In my mega-corp (>$25 billion/year revenue) the typical laid-off employee gets 2 months (WARN act) + 2 weeks/year of service. they get their vacation cashed out but lose all un vested RSUs. While on payroll for 16 weeks - do you get health benefits too? That would be huge. I think all in all you wha...
by new2bogle
Wed Jun 06, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6431

Re: Tires: Where to Get? Warranty? And Questions?

A quick perusal on Google shows that opinions on Costco tires vary widely, with the biggest complaint being over wait times. Right, if without an appointment you stop by a high volume Costco on a weekend, particularly one when they're running a good tire promotion (such as the most recent $70 off M...
by new2bogle
Wed Jun 06, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6431

Re: Tires: Where to Get? Warranty? And Questions?

Either Costco or Discount Tire. Both offer good service, but Discount Tire might be a touch better. I go with whoever is giving me the better deal. Interestingly, my Odyssey came with OEM Michelin Primacy which wore out at 34k miles (though rated for 60k). I went with the Bridgestone Dueler which I ...
by new2bogle
Wed Jun 06, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16788

Re: Top Shelf Liquor Overrated?

Reading through and seeing this thread still around, I thought I'd chime in again. A question occurred to me -- how do people start drinking top shelf liquor? Certainly the liquor many of us first enjoyed earlier in life was no high end. An earlier post shared a story where his son-in-law, clearly ...
by new2bogle
Tue Jun 05, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3069

Re: Should I replace my water heater?

I've drained my water heater exactly once in 14 years and never changed the anode. Seems to be going well enough.
by new2bogle
Tue Jun 05, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3069

Re: Should I replace my water heater?

If it already had a drip pan I would say just wait it out. Since it does not, it is best to replace and get the drip pan put in. I had a water heater leak where the builder incorrectly installed the drip pan and water was leaking from my attic to the first floor. It was a bit of a hassle to get the ...
by new2bogle
Tue Jun 05, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16788

Re: Top Shelf Liquor Overrated?

You are clearly a refined individual AerialWombat :D ! Triple Wood is also excellent as well as the Cask Strength. I've tried the 18 but tend to gravitate towards the 10 year. :sharebeer LOL. "Refined" is not a word people ever use to describe me. :) You'll find there is a wide gulf between the Tri...
by new2bogle
Tue Jun 05, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5081

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

Few things: 1) you are not married or seems like even engaged. Things can change fast, don't move and be dependent. 2) Looks like you two know nothing of AZ other than it might be a "cool" place (no pun). That is an awful reason to uproot ones self. 3) Moving without a job? Really? 4) COL in AZ is m...