Search found 417 matches
- Thu Dec 18, 2014 7:48 pm
- Forum: Personal Investments
- Topic: solo 401k
- Replies: 29
- Views: 3892
Re: solo 401k
We setup a second company where my wife is the owner but didn't funnel any income to it yet. We work on the internet so we can decide which company gets paid. The first company I am the only owner but could she get a solo 401k contribution as a spouse as it's an account that we own setup thru fideli...
- Wed Dec 17, 2014 9:51 pm
- Forum: Personal Investments
- Topic: solo 401k
- Replies: 29
- Views: 3892
Re: solo 401k
Guys I have already contributed the max to my solo 401k. Is there a way to have my wife also contribute max / another $52k for this year? Were both "employed" by the company we own. Is this as a spouse contribution or an "employee" ? Thanks for your help!
- Sun Jul 13, 2014 12:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: mom wants to "sell" me her condo for estate planning
- Replies: 23
- Views: 3813
Re: mom wants to "sell" me her condo for estate planning
You should take the house. Maybe have her sell it to you for $1 or something. My father in law's mother just had to sell her house and all her assets to pay for her nursing home costs and it has essentially spent all of her assets down to nothing included what was a paid off home. If the home was i...
- Sun Jul 13, 2014 12:35 am
- Forum: Personal Finance (Not Investing)
- Topic: mom wants to "sell" me her condo for estate planning
- Replies: 23
- Views: 3813
Re: mom wants to "sell" me her condo for estate planning
You should take the house. Maybe have her sell it to you for $1 or something. My father in law's mother just had to sell her house and all her assets to pay for her nursing home costs and it has essentially spent all of her assets down to nothing included what was a paid off home. If the home was in...
- Sat Jul 12, 2014 11:46 pm
- Forum: Personal Investments
- Topic: New Sole Proprietorship Retirement Questions
- Replies: 13
- Views: 1966
Re: New Sole Proprietorship Retirement Questions
See my old thread for some info - http://www.bogleheads.org/forum/viewtop ... 1#p2028171
- Thu Jul 10, 2014 12:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Delaying SS while working past age 70
- Replies: 135
- Views: 13146
Re: Delaying SS while working past age 70
The real question is: if they earned past the max taxable amount for SS each year, why are they working into their 70s? 

- Tue Jul 01, 2014 10:20 am
- Forum: Personal Finance (Not Investing)
- Topic: Mortgage: Variable 7 vs Fixed 30.
- Replies: 47
- Views: 5437
Re: Mortgage: Variable 7 vs Fixed 30.
Haha that was too funny!Auream wrote:Well, there's also the third school of thought, led by people like LeeMKE, who just fundamentally don't understand the math and think that pre-paying a 3% loan gives you a 51% APY return.
- Mon Jun 30, 2014 1:45 pm
- Forum: Personal Consumer Issues
- Topic: The Millionaire Next Door: Are You One?
- Replies: 187
- Views: 30966
Re: The Millionaire Next Door: Are You One?
To be the counterpoint, once you've won the game and you have a plethora of money, if you don't spend it your wasting it. You only have one life to live and you should spend your money accordingly on the things that you will enjoy possibly like traveling, a New house etc etc
- Mon Jun 23, 2014 10:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Reducing Expenses for Future Family
- Replies: 77
- Views: 5891
Re: Reducing Expenses for Future Family
Nice thing we did lately was switch to airvoice wireless / AT&T mvno for $10 a month each and wifi only for cell phones saves us $1700 a year
- Mon Jun 23, 2014 8:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: Reducing Expenses for Future Family
- Replies: 77
- Views: 5891
Re: Reducing Expenses for Future Family
And I'll say what has been said between the lines from just about every person in this thread: Working2notWork, your working has just been extended by many many years and as said above now you get to cut out all entertainment and dining out 

- Sat Jun 14, 2014 6:17 pm
- Forum: Personal Consumer Issues
- Topic: What smartphone plan do you use?- off contract
- Replies: 100
- Views: 9465
Re: What smartphone plan do you use?- off contract
My wife and I and both of our families all use airvoice wireless $10 a month plans and love it. Airvoice uses at&t's network. I'm an internet guy and it just takes a little adjustment to getting used to wifi only data for you phone, but there's wifi almost everywhere and for the few times there ...
- Fri Jun 13, 2014 9:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: I cannot make the jump and retire
- Replies: 97
- Views: 18836
Re: I cannot make the jump and retire
I agree , take a long vacation. then see how you feel
If you want more info from us tell us your assets, and your expenses, and your plans.
If you want more info from us tell us your assets, and your expenses, and your plans.
- Tue May 27, 2014 6:09 pm
- Forum: Personal Consumer Issues
- Topic: Hawaii for winter
- Replies: 10
- Views: 3445
Re: Hawaii for winter
Some good ideas so far, thanks everyone
- Sat May 24, 2014 3:45 pm
- Forum: Personal Consumer Issues
- Topic: Hawaii for winter
- Replies: 10
- Views: 3445
Re: Hawaii for winter
Thanks we definitely want to be in a warm part of the island and are very familiar with the Waikoloa area. For car rentals just goto the local car rental places, or is there a cheaper way to do it since it's a longer period of time, 2-3 months. Also for surfing and biking would it be better to rent ...
- Thu May 22, 2014 10:59 pm
- Forum: Personal Consumer Issues
- Topic: Hawaii for winter
- Replies: 10
- Views: 3445
Hawaii for winter
My wife and I (no kids) are going to do hawaii for this winter thinking 2 or 3 months. We prefer the Waikoloa area on the big island. Couple questions for those who might have done this: Thinking of renting a home from vrbo or homeaway for jan-February or jan - March . Suggestions or a better option...
- Sat May 03, 2014 9:30 am
- Forum: Personal Investments
- Topic: Am I On the Right Track?
- Replies: 2
- Views: 539
Re: Am I On the Right Track?
You should list how much is in your portfolio, and how much debt and cc debt you have. First thing is to probably pay off your cc debt which gives a guaranteed 6% return. Also nobody knows what will happen in the future , so having more stocks or more bonds could perform better. There was almost a 1...
- Mon Apr 14, 2014 11:47 pm
- Forum: Personal Investments
- Topic: Save for 25 years = $1million?
- Replies: 22
- Views: 5312
Re: Save for 25 years = $1million?
Here is an interesting story: Save $10 a week = $10 million - http://beginnersinvest.about.com/od/dividendsdrips1/a/small-business-investing-dairy-queen-franchise-parable.htm Here is another one save $10 a day and invest = $1 million - http://www.canadianliving.com/relationships/love_and_romance/com...
- Mon Apr 14, 2014 11:24 am
- Forum: Personal Investments
- Topic: solo 401k
- Replies: 29
- Views: 3892
Re: solo 401k
It's our actual company that pays us thru 1099. In the past our company just paid us thru 1099. But now that we setup solo 401k we have to make changes.
- Mon Apr 14, 2014 10:32 am
- Forum: Personal Investments
- Topic: solo 401k
- Replies: 29
- Views: 3892
Re: solo 401k
Also what would change if half my salary is w2 and half is 1099 consultant? I could change things around if needed.
- Mon Apr 14, 2014 1:14 am
- Forum: Personal Investments
- Topic: solo 401k
- Replies: 29
- Views: 3892
Re: solo 401k
Ok I'm looking into this. Thank you for your help Is the business "profit" before the 401k money is subtracted as an expense? Also our corps are S corps. The calc at http://www.solo401kcalculator.com shows I need about $145k each to get to the $52k for 401k, Is that not right? Also if the ...
- Sun Apr 13, 2014 7:36 pm
- Forum: Personal Investments
- Topic: solo 401k
- Replies: 29
- Views: 3892
solo 401k
I have a solo 401k for my wife and I. I want to max out each 401k to the maximum allowed 52k each for a total of 104k. We have two businesses one for myself that will fund the 200% match, and a different business for my wife which will fund her 200% match. How much income/profit is needed for each c...
- Fri Apr 11, 2014 2:08 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 21210
- Views: 2878556
Re: U.S. stocks in freefall
Lol this thread is too funny
- Thu Apr 10, 2014 12:49 pm
- Forum: Investing - Theory, News & General
- Topic: What next after you have enough sort of.
- Replies: 31
- Views: 4383
Re: What next after you have enough sort of.
What to do next? Set your portfolio and then live your life and have fun 

- Sat Apr 05, 2014 12:49 am
- Forum: Personal Investments
- Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
- Replies: 41
- Views: 7209
Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting
the good news is most of your friends that are 30 have $0 saved and are maybe even in debt and possibly still living at home... trust me I know plenty who fall in at least 1 or all 3 of those categories at 30. So now your enlightened, better at 30 than at 40. read this forum everyday, and max out yo...
- Fri Apr 04, 2014 8:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: I accidentally discovered a coworkers salary... now what?
- Replies: 59
- Views: 10836
Re: I accidentally discovered a coworkers salary... now what
Start looking for a higher paying job that you can switch to
- Wed Feb 19, 2014 9:21 pm
- Forum: Personal Investments
- Topic: What to Invest in when market is low?
- Replies: 24
- Views: 1744
Re: What to Invest in when market is low?
If you think the market is going to lose thousands of points than probably bonds or even CDs. If you want to buy stocks that aren't hitting record highs look for sectors that have had slumps recently such as emerging markets.
- Sun Feb 16, 2014 6:07 pm
- Forum: Personal Investments
- Topic: How to invest $1.4 mil inheritance?
- Replies: 74
- Views: 10215
Re: How to invest $1.4 mil inheritance?
Really big shopping spree?
- Sun Feb 16, 2014 6:05 pm
- Forum: Personal Finance (Not Investing)
- Topic: What to do with rental properties in Hawaii?
- Replies: 7
- Views: 1415
Re: What to do with rental properties in Hawaii?
Just curious, why did you buy them as rentals when they barely cash flow?
- Sat Feb 01, 2014 7:30 pm
- Forum: Personal Consumer Issues
- Topic: Cheapest pay-per-use Wifi hotspot (aka "MyFi") - Karma?
- Replies: 18
- Views: 3799
Re: Cheapest pay-per-use Wifi hotspot (aka "MyFi") - Karma?
Another vote for freedom pop. You get 500 mb a month free in 4g only. If u need 3G it's $3.99 a month which will cover almost all areas.
- Fri Jan 31, 2014 7:47 pm
- Forum: Personal Consumer Issues
- Topic: Killer smartphone and monthly plan combo
- Replies: 22
- Views: 3250
Re: Killer smartphone and monthly plan combo
My wife and I have the $10 a month plan thru airvoice and a few other people we know. We are actually up to $30+ on each of our phones from rollover. We just use wifi everywhere because there is wifi at our home and office and we don't really need to get in the internet on our phones the other 5% of...
- Fri Jan 31, 2014 2:02 am
- Forum: Personal Consumer Issues
- Topic: How to get Google Search fixed for my web site??
- Replies: 15
- Views: 1221
Re: How to get Google Search fixed for my web site??
It's either your site was hacked or you have malware (virus) on your computer. Either way the hack or the malware is redirecting to an ad site.
Easy way to check your computer for virus is scan with a virus scanner, avg free is fine, and then use the program called malware bytes and scan for malware.
Easy way to check your computer for virus is scan with a virus scanner, avg free is fine, and then use the program called malware bytes and scan for malware.
- Mon Jan 27, 2014 2:51 pm
- Forum: Investing - Theory, News & General
- Topic: Do Bogleheads see this market dip as a buying point?
- Replies: 127
- Views: 17531
Re: Do Bogleheads see this market dip as a buying point?
Emerging markets are looking cheap
- Mon Jan 13, 2014 2:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: High Earners - What's Your Profession?
- Replies: 896
- Views: 151727
Re: High Earners - What's Your Profession?
I second investornewb's - Internet entrepreneur with periods of volatility, also sold a business that was internet related but alot of it was offline with employees.
- Sun Jan 12, 2014 1:22 am
- Forum: Personal Finance (Not Investing)
- Topic: Anything else I should be doing at age 31?
- Replies: 11
- Views: 2171
Re: Anything else I should be doing at age 31?
don't worry too much about owning a house vs renting when your young. My example I bought my current home 10 years ago and and I'd be lucky to get exactly the same amount I paid 10 years ago not counting all the property taxes I paid, and replacing appliances and furnaces, etc etc Plus owning ties y...
- Fri Jan 10, 2014 1:27 am
- Forum: Personal Consumer Issues
- Topic: Permits for kitchen remodel
- Replies: 17
- Views: 2253
Re: Permits for kitchen remodel
What exactly do you need permits for in a kitchen remodel? For example if you just do the countertops and the backsplash do you need permits?
- Mon Jan 06, 2014 4:19 pm
- Forum: Personal Consumer Issues
- Topic: What does a Bogle TV look like?
- Replies: 78
- Views: 7255
Re: What does a Bogle TV look like?
60" sharp aquos flat screen LCD bought like 2 years ago on Black Friday for like $699. Probably even cheaper now
- Thu Jan 02, 2014 12:31 am
- Forum: Investing - Theory, News & General
- Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
- Replies: 537
- Views: 35267
- Sun Dec 29, 2013 2:30 am
- Forum: Personal Investments
- Topic: Please Help a 36 Yr Old With $7m+ Portfolio
- Replies: 83
- Views: 16477
Re: Please Help a 36 Yr Old With $7m+ Portfolio
At 75 basis points on $7m your spending $52k per year just in advisor fees plus probably high expense ratios on your funds, so possibly another $70k or more. You could easily go with a low cost 3 fund boglehead portfolio and save $100k a year or more. Or ditch the advisor and just keep the current h...
- Sat Dec 28, 2013 3:25 pm
- Forum: Personal Consumer Issues
- Topic: Preemptive water heater replacement: worth it?
- Replies: 64
- Views: 19634
Re: Preemptive water heater replacement: worth it?
How about a tankless water heater? They save you a lot of money in heating and don't have a huge tank of water to spill ...
- Thu Dec 26, 2013 4:24 pm
- Forum: Personal Consumer Issues
- Topic: iPad Air info please
- Replies: 35
- Views: 2901
Re: iPad Air info please
I just upgraded to the ipad air. It's amazing and the new size is significantly smaller yet uses the same size screen. Wifi only is what we've had for years and works fine. Also the battery last longer in tests, the battery takes hours less time to charge, and it's a lot faster too. If you had an ol...
- Thu Dec 12, 2013 6:43 pm
- Forum: Personal Consumer Issues
- Topic: Traveling Wifi ?
- Replies: 31
- Views: 3553
Re: Traveling Wifi ?
Checkout www.freedompop.com free 4g wifi after buying the device and 3G is like 3.99 a momth
- Fri Oct 11, 2013 12:23 pm
- Forum: Investing - Theory, News & General
- Topic: Vgpmx down 40%, time to buy?
- Replies: 36
- Views: 8427
Re: Vgpmx down 40%, time to buy?
I'm interested in putting about 2% of my portfolio in vgpmx and 2% in vemax because of its underperformance compared to the s&p. I would rather buy low than high. Although it's only 2% it's still over 5 figures so I thought I'd ask you nice people what your thoughts of it were being down 40%+ an...
- Thu Oct 10, 2013 2:12 pm
- Forum: Investing - Theory, News & General
- Topic: Vgpmx down 40%, time to buy?
- Replies: 36
- Views: 8427
Re: Vgpmx down 40%, time to buy?
Yea the 20 year return is scary because it's down by half over the last two years. The long term results looked bad in 2008 when the whole stock market was down by 50% and that was the best time to buy. The market doubled in a few years
- Thu Oct 10, 2013 12:18 pm
- Forum: Investing - Theory, News & General
- Topic: Vgpmx down 40%, time to buy?
- Replies: 36
- Views: 8427
Vgpmx down 40%, time to buy?
Vgpmx Vanguard precious metals fund is down -40% ytd. Time to buy? What are you guys thoughts/theories?
- Fri Sep 27, 2013 3:15 pm
- Forum: Personal Investments
- Topic: Is Bond/Bond Fund investing just a bad idea all around now?
- Replies: 40
- Views: 5122
Re: Is Bond/Bond Fund investing just a bad idea all around n
And when stocks drop -20% to -40% will you want to sell them to? The point of owning different assets is they balance out your portfolio. Stocks are the most volatile class and could easily drop 10% just next week. Then people will be asking if they shouldn't be in stocks
- Thu Sep 19, 2013 7:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: best cash back credit card
- Replies: 185
- Views: 883535
Re: best cash back credit card
I use a combo of two VISA cards: PenFed Platinum Rewards - 5% Gas, 3% Groceries, 1% all else US Bank Cash Plus - 5% Restaurants, 5% Hotels, 1% all else (can choose 5% categories each quarter) Gas, groceries, and restaurants tend to be my biggest expenses and I'm traveling at the moment so the hotel...
- Wed Sep 18, 2013 7:07 pm
- Forum: Personal Investments
- Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
- Replies: 17
- Views: 3601
Re: 1M$ Settlement - Lump Sum or Annuity?? Taxable AA???
The problem with most people for lump sums is they can't manage money and they spend it too fast and it won't last 20 years. This is what happens to the majority of lottery winners who choose lump sum.
- Mon Sep 16, 2013 9:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: PenFed 5/5 ARM at 2.875%??!!
- Replies: 64
- Views: 15550
Re: PenFed 5/5 ARM at 2.875%??!!
I think you guys should also look at http://www.ThirdFederal.com if your in a state they service. Current 5/1 arms are 2.79% plus closing costs or 3.1% with only $495 closing costs. They have other plans like a 5/1 10 year payment plan at 2.44%. The best thing about them is after you have the mortg...
- Mon Sep 16, 2013 9:47 pm
- Forum: Personal Consumer Issues
- Topic: Help me save on my $130 cell phone bill
- Replies: 34
- Views: 4930
Re: Help me save on my $130 cell phone bill
Here's what we did to save $1700 a year, went from $165 a month to $20 a month for two phones. Cancelled verizon and got http://www.airvoicewireless.com they use at&t's network. Data is expensive on this plan but you won't really need it except in emergencies because your office and home probabl...
- Mon Sep 16, 2013 9:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: PenFed 5/5 ARM at 2.875%??!!
- Replies: 64
- Views: 15550
Re: PenFed 5/5 ARM at 2.875%??!!
I think you guys should also look at www.ThirdFederal.com if your in a state they service. Current 5/1 arms are 2.79% plus closing costs or 3.1% with only $495 closing costs. They have other plans like a 5/1 10 year payment plan at 2.44%. The best thing about them is after you have the mortgage with...