Search found 21 matches

by WilliamRice
Tue Mar 03, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: Help/Advice with Decluttering
Replies: 37
Views: 2925

Help/Advice with Decluttering

I’m wondering if anyone has had similar experiences with decluttering. I am currently trying to declutter my life - Iam starting with my comics and graphic novels. I have a lot graphic novels that I have read but will probably never re-read again. They sit beautifully on a bookshelf in my office but...
by WilliamRice
Mon Mar 27, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Boston apartment hunting advice/can I afford a studio?
Replies: 48
Views: 5269

Re: Boston apartment hunting advice/can I afford a studio?

Lived in Boston and surrounding areas for many years and still work there. You can afford to rent a studio but try the surrounds areas such as Cambridge/Arlington/Somerville. I always opted for a building because they almost always include heart/hot water and in the long Boston winters I refused to ...
by WilliamRice
Sun Nov 06, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 11537

Re: Gaming system for kids?

I had an Xbox One for myself. The games were too violent to play when my kids were around (5,3). I sold it and built a Retro Pi from a $30 Raspberry Pi which allows you to load all the classic game systems (Atari, Nintendo, Super Nintendo, etc). It was a lot of fun from a learning perspective but al...
by WilliamRice
Fri Oct 16, 2015 9:20 am
Forum: Personal Investments
Topic: Rollover Old 401k Question
Replies: 3
Views: 418

Rollover Old 401k Question

I'm looking to have a better handle on my retirement investments from previous jobs I have had. I have two old 401ks from two different jobs. I want to roll them to an IRA with either fidelity or vanguard. Can I roll both of them over into on IRA account or does it have to be separate and in rolling...
by WilliamRice
Wed Apr 22, 2015 3:06 pm
Forum: Investing - Theory, News & General
Topic: Looking for advice or experiences regarding a job change.
Replies: 3
Views: 481

Looking for advice or experiences regarding a job change.

I currently work for a big company. My growth has stalled so any raise I would get for the foreseeable future would be minor. Don't get me wrong, I have enjoyed a promotion and a nice raise but the promotion was the last I would get where I currently am. My wife an I live just outside Boston and hav...
by WilliamRice
Sat Jan 03, 2015 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Potential new job and relocation advice.
Replies: 13
Views: 1767

Re: Potential new job and relocation advice.

I should clarify - my wife is only licensed in the state we live in - she could work but she would have to get re-licensed in Ohio which would involve going back to school and she would like to take time to try and be a stay-at-home while the kids are young. In terms of future work, from what I can ...
by WilliamRice
Sat Jan 03, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Potential new job and relocation advice.
Replies: 13
Views: 1767

Re: Potential new job and relocation advice.

Good point. Also - I'm not unhappy with my current job. To be honest I just applied to this just out of curiosity and to get a gauge of the market. Part of me thinks that I shouldn't jump at the first thing that comes up. Our knee-jerk reaction was "wouldn't it be nice to settle down and get a ...
by WilliamRice
Sat Jan 03, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Potential new job and relocation advice.
Replies: 13
Views: 1767

Potential new job and relocation advice.

I currently live in the northeast, in a high cost of living area and have a very good job, 90k/year. with bonus up to 12k/year, 401k contribution is good and I max out rothIRA. My wife has a job where she works from home and makes 61k and carries all of the benefits. We stick to a tight budget and h...
by WilliamRice
Fri Nov 09, 2012 12:51 pm
Forum: Personal Investments
Topic: Capital Gains Tax question.
Replies: 12
Views: 1544

Capital Gains Tax question.

Many years ago I purchased 39 shares of Apple @ 149. Since then the stock has obviously increased in value significantly. I keep reading about changes in the new year on the capital gains taxes going up. My wife and I make good incomes - me @ 65k and her @ 50k. We don't own a house, no car, and the ...
by WilliamRice
Tue Jul 17, 2012 5:53 am
Forum: Personal Investments
Topic: 401k question
Replies: 10
Views: 1769

401k question

My wife and I have both gone into new jobs. Her previous job she had a 401k at about 3900.00, the investment company has sent her information about what to do with the money ( rollover, keep it in the current fund, etc). My previous job job's 401k balance is about 50k. We were both wondering if it's...
by WilliamRice
Sat Jun 18, 2011 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Career Shift - Thoughts/advice?
Replies: 2
Views: 786

Career Shift - Thoughts/advice?

As I posted a few weeks ago I was let go from my job. I am a graphic designer, 30yrs old with a wife and a 3 month old. The job I was in was for a big corporation. I had been there for 6 years, 1 substantial raise in that time and every year a cost of living increase (I know, I am totally to blame f...
by WilliamRice
Thu May 26, 2011 6:19 am
Forum: Personal Investments
Topic: Laid Off Tuesday.
Replies: 20
Views: 4542

Laid Off Tuesday.

I was let go from my company on Tuesday after six years. My 401k balance is at $45,000.00 through Wachovia. I was wondering about rolling into my Vanguard rothIRA, I don't even really know why I am asking this or why I would want to do this (I guess it would be whichever has lower fees and or whiche...
by WilliamRice
Sat May 07, 2011 7:25 am
Forum: US Chapters
Topic: Anyone Interested in a Boston Bogleheads Local Chapter?
Replies: 20
Views: 5496

I am interested

I live in Cambridge and would love to have a chapter here in Boston!
by WilliamRice
Fri Jan 28, 2011 3:07 pm
Forum: Personal Investments
Topic: What to do about a Financial Planner Problem
Replies: 25
Views: 3401

UPDATE

So I called and received her assistant. When I asked to speak with the planner I was told she was busy at the moment and I could be put through to voicemail. I asked if "The planner" had been out for a period in the last month. She said no so I said that she could put me though to voicemai...
by WilliamRice
Fri Jan 28, 2011 10:57 am
Forum: Personal Investments
Topic: What to do about a Financial Planner Problem
Replies: 25
Views: 3401

What to do about a Financial Planner Problem

My wife and I are expecting a baby by the end of February so we setup an appointment to meet with a Wells Fargo Financial planner to get everything in order in terms of how to handle out investments, getting life insurance, basically making sure everything is on the right track for us financially an...
by WilliamRice
Sat Jul 10, 2010 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards
Replies: 18
Views: 2989

Credit Cards

I currently use a USAA credit card. I love the company butyou have to spend $6000 just to get $50 cash back - I never carry a balance but use the credit card to make purchases that I need and then just transfer the money over, all to get points. There has got to be a better card out there for cash b...
by WilliamRice
Mon Jul 05, 2010 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Rent vs Buy
Replies: 13
Views: 2082

30,000 in debt at 6.5%

The reason that is not paid off yet is because I have been told by many people that it is best to have as big as possible war chest for any upcoming complications with having a baby. To the others - you are correct, the low price tag is the main draw here. Don't get me wrong, the area seems very nic...
by WilliamRice
Mon Jul 05, 2010 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Rent vs Buy
Replies: 13
Views: 2082

Rent vs Buy

My wife and I both work in downtown Boston. She makes 56 and I make 46 thousand a year. The only debt we have is her two student loans (200 and 140 a month. We just found out that we are six weeks pregnant. Right now we rent an apartment for 1550 a month. We know that we have to get a two bedroom at...
by WilliamRice
Wed Apr 21, 2010 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Pay off Student loan or save!?
Replies: 13
Views: 2619

Pay off Student loan or save!?

My wife has two outstanding student loans: 1st: 16,000 @ 6.5% - the monthly payment is $200.00 (Private) 2nd: 14,000 @ 6.5% - the monthly payment is $140.00 (Federal) We have a nice budget and are easily able to make the monthly payments. We have 10,000 in savings and are about to come into about 17...
by WilliamRice
Wed Dec 09, 2009 6:23 am
Forum: Personal Investments
Topic: Cut back on 401k for rothIRA sake?
Replies: 13
Views: 1842

Cut back on 401k for rothIRA sake?

I had a little question about retirement investing. I contribute 15% of my paycheck to my work 401k account. The company no longer matches anything and has stated that it does not intend to again. I would like to keep contributing to it but I was thinking of cutting back to 6 - 10% and using the new...
by WilliamRice
Fri Nov 13, 2009 10:30 am
Forum: Personal Investments
Topic: HELP - Mutual Fund investing Question
Replies: 4
Views: 1095

HELP - Mutual Fund investing Question

I am very new at this. I invested in a Vanguard Wellington Fund Investor Shares, a big lump sum in fact. Since then I usually deposit $200.00 a month in it. Is that the basic idea? How do I know how long to hold it for. I prefer just to keep putting in money and not touch it because I don't need to....