Bogleheads.org

GeneralPerson

Congratulations, CJF - nice progress year over year. Impressive savings rate. Net Worth since we(two people) got serious about our finances. (Investments + house) Year Total Saving Rate 2014: 69K 15% 2015: 83K 15% 2016: 97K 17% 2017: 130K 21% 2018: 154K 23% We are hoping this year to be able to save...

GeneralPerson

zaboomafoozarg, I could have posted this verbatim and it would be all true. Mine's a lot less than it should be. - didn't take enough risks - didn't change jobs often enough - didn't move to a high-paying part of the US like SV - didn't join a FAANG company I think the only thing I have going for me...

GeneralPerson

Yes, Uber charges in local currency. It’s a good idea to have a CC with no FTF.

GeneralPerson

I have one downstairs and I'm happy with it. It self-tests itself every month and has a nice motion activated night-light. I would change the upstairs detectors too but they are just too many and Nest isn't cheap

GeneralPerson

So, you fed your machine future data to get future data? :happy I ran all of the historical and future data through my Illudium Q-36 Explosive Space Modulator using the latest string theory to unify growth and value (see footnote). This is what the data predict the market will do over the next mille...

GeneralPerson

I’ll buy one

GeneralPerson

Upon landing, I realized that my wallet is missing. I’m suppose to rent a car for my two-week road trip. The car rental company says I can’t without the drivers license. There must be something better than flying back home thousands of miles without the roadtrip? Any experience or suggestions?

GeneralPerson

financeidiot wrote: ↑Wed Sep 06, 2017 4:06 pm It's like a smart radio that tries to steal your money.

I suspect that you picked up this line from the Echo project's functional specifications.

GeneralPerson

Please look at the following book:
https://automatetheboringstuff.com
This might be very close to what you are looking for.

GeneralPerson

Has anyone experiencing issues with accessing their Optum HSA account. For my account I'm not able to login at all. Yesterday DW was not able to login in morning, was able to login in the evening but now its not working again. There is a terribly long hold time for contacting the customer services. ...

GeneralPerson

Watty wrote: After about two seconds of mental math I said, "I guess that means you are making more than I did when I retired." and he just got a big grin on his face.

Proud moment for you, Watty. Thank you for sharing this story.

GeneralPerson

Have you looked at the "Guided Access" feature? It's part of iOS and if you enable it, you can restrict usage in a limited way. It won't work for all your use cases but its better than nothing. Here is an article with more information: http://blogs.wsj.com/personal-technology/2015/11/03/ho...

GeneralPerson

This is very very good advice. I have quite a bit of experience and i have used etf's for my portfolio for many years. I ultimately gave in favor of simplicity and changed to mostly a mutual fund portfolio. With the way vanguard admiral mutual funds are structured, you can convert them to etf later ...

GeneralPerson

The Finance Buff, the Oblivious Investor and the White Coat Investor.

GeneralPerson

I have a stopover in Paris with about 12 hours between flights. I'm guessing that I can have good 6 hours to get a feel of Paris. Any suggestions for how to best use this time ?

GeneralPerson

OP here.. Thank you for the great response. I'll reply back after incorporating some great suggestions. Meanwhile, I have two questions: 1. I'm thinking about driving up to the Pikes Peak (14'er). Thought of heights and no guard rails is giving me goosebumps :). I have rented a standard-size car. Do...

GeneralPerson

We are planning a Colorado circle tour in late August/early September. We have 9 days and we fly into Denver and leave from Denver as well. We are planning our trip like this: Day 1: arrive Denver early in the morning. Drive to Colorado Springs. Visit Gardens of the Gods. Stay in Colorado Springs. D...

GeneralPerson

Is this service live? What is the web address for additional information?

GeneralPerson

I'll be soon visiting Quebec City for three night. I'll be staying in the Marriott in old town. I haven't planned anything else. I'll be traveling with family (elementary school age kids). What would you suggest for things to do? How walkable is the city? I'll be driving so what are good options to ...

GeneralPerson

PS after posting the above: Out of curiosity, I looked up TD Ameritrade's fee list. They don't charge for a partial transfer of assets, but they charge $75 if you transfer out an entire account. TD Ameritrade will not charge account transfer fees if your combined account balance is over $100K. That...

GeneralPerson

When I opened a 529 plan, I named myself as the beneficiary as I thought I might take out some money for my own education and then change the beneficiary to my older kid. When she is out of college, I'll change the beneficiary to the younger one to pay for her education. If anything is left over, I'...

GeneralPerson

I'm surprised because I thought this was not the case. TFB has a very timely post on this topic:

http://thefinancebuff.com/529-plan-deduct-and-run.html

As per this post, Michigan does not recapture any state tax deductions.

GeneralPerson

In the latter case, Michigan will require you to pay back the past tax breaks. The plans are of comparable quality, so there is no point in switching if you don't get tax breaks from either state. Thank you for your reply. I agree that the plans are of comparable quality, both in terms of diversifi...

GeneralPerson

Thank you everyone for your helpful replies. I really appreciate.
Based on the feedback and on my personal situation, I have made a decision to go for RSU.

GeneralPerson

For an employee of a large mature company, will RSU be a better choice than stock options? What are the key factors in making such a decision?

GeneralPerson

Is there any significant advantage in rolling over my 529 plan from TIAA-CREF managed Michigan's 529 plan to Vanguard managed Nevada's 529 plan?

GeneralPerson

Wow the threads look great on my mobile phone. Thank you for this.

Now if you can just fix the home page

GeneralPerson

SpringMan wrote:I just finished uploading several thousand photos to flickr.

What tool did you used to upload thousands of photos? I'm trying to find a automated way to upload a large number of photos.

GeneralPerson

"if you like hiking and spectacular views, Algonquin Park, the Bruce Peninsula" +1 for this suggestion. I have been to these places and they are VERY beautiful. From Tobermory, you can also take a boat ride to the Flowerpot Island. It's very good. Algonquin in the fall season is highly rec...

GeneralPerson

BL wrote:Where are your bonds located?

A little bit that I have is in the 401K account with my current employer.

GeneralPerson

You can keep the money in the old 401k and reduce or eliminate the high cost holdings by consolidating to the low cost S&P 500 fund. Use space outside the 401k to get your international and small cap stocks. No need to hold mid cap fund at all. Where else do you have assets? Taxable account, Ro...

GeneralPerson

indexfundfan wrote:Roll the 401(k) over to a Solo 401(k). Link to Boglehead wiki:
http://www.bogleheads.org/wiki/Solo_401(k)_plan

Indexfundfan, I don't have a business. This will probably not work for me.

GeneralPerson

You said weighted average. What are the lowest cost fund options? My investment selections are: S&P 500 index fund (30%): 0.10% expense ratio US small cap (20%): 0.34% expense ratio US Mid cap (20%): 0.80% expense ratio International stock fund (30%): 0.85% expense ratio Other available funds a...

GeneralPerson

New employer has worse investment selection with higher expense ratio. Can't move investment there.

GeneralPerson

+1 for Tapatalk integration or a mobile-friendly design

GeneralPerson

I have 350K in a 401K account with my ex-employer. Weighted average of expense ratio in this account is 0.51%. I have an option to move this amount to a IRA account with Vanguard and use a fund with expense ratio of 0.05%. But if I do so, my understanding is that, I won't be able to make back-door r...

GeneralPerson

Madbrain, congratulations on the milestone. Your post was inspiring and amusing. I also liked the 401K spreadsheet that you have maintained. I would love to have a spreadsheet like yours but over the years, I have changed 401K providers with my employers and I don't think I have old contribution and...

GeneralPerson

Thank you, mhc and retiredjg. I appreciate your help.

GeneralPerson

Is it possibly to auto-pay Kohl's charge?

jeffyscott wrote:The only store card we have and use is Kohl's. They give 15-30% off nearly all the time, to get some of these deals you have to use their card. Their store is very conveniently located for us and we buy most of our clothes and some other things there.

GeneralPerson

I would suggest to give Picasa another try. It is very good and has more capabilities than anything you can buy for that price.

GeneralPerson

Hello, I'm learning about the backdoor Roth contribution and I have a question. Is it possible to do backdoor contribution for both 2012 and 2013 now? Here is what I would like to do: March 2013: 2012 Non Deductible IRA contribution for $5,000 April 2013: 2013 Non Deductible IRA contribution for $5,...

GeneralPerson

Did you already contribute anything to some kind of IRA (either traditional or Roth?) Would a contribution to tIRA be deductible for you? If not, can you make a direct contribution to Roth IRA? If not, do you know about the back door contribution to Roth IRA? No I did not contribute to any other ki...

GeneralPerson

Is it perhaps possible that I can still do a contribution to tradition-IRA for the leftover amount? Will that be allowed?

GeneralPerson

Hello,

I forgot to update my automatic 401K contributions in 2012. As a result, rather than contributing the maximum allowed limit of $17,000 for 2012, I contributed only $11,000. I just realized this mistake. Is there any way, I can fix this now?

Thank you!

GeneralPerson

I use Up and Up.

GeneralPerson

I also have an AprilAir installed but it increased my water bill so much that I had to switch it off. Does anyone else noticed a major increase in their water bills after installing a whole house humidifier?

GeneralPerson

First of all, thank you for the taking the initiative to set this up. I'll put myself as tentative for now as I have a couple of things going on that day.

GeneralPerson

In a recent case of account transfer, I got to experience the customer service and competence level of Wells Fargo and T. Rowe Price. My wife spoke with at least 8 customer server reps at Wells Fargo. According to her, they don't know their stuff and one of them even annoyed her so much that she hat...

GeneralPerson

Interested

GeneralPerson

LonePrairie wrote:I see TaxAct has been sold to InfoSpace.

http://techcrunch.com/2012/01/09/infosp ... m-in-cash/

An SEO and advertising company, with products like dogpile... this doesn't give me a good feeling about who I'm handing over my data to.

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