Search found 61 matches
- Sat Nov 02, 2019 5:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 2386
- Views: 542365
Re: Share your net worth progression
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...
- Sat Nov 02, 2019 5:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 2386
- Views: 542365
Re: Share your net worth progression
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...
- Tue Oct 01, 2019 11:51 am
- Forum: Personal Consumer Issues
- Topic: Uber in foreign countries
- Replies: 25
- Views: 1918
Re: Uber in foreign countries
Yes, Uber charges in local currency. It’s a good idea to have a CC with no FTF.
- Sat Jun 08, 2019 6:05 pm
- Forum: Personal Consumer Issues
- Topic: Nest Smoke/CO Detectors
- Replies: 18
- Views: 1669
Re: Nest Smoke/CO Detectors
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 

- Wed Oct 24, 2018 5:27 am
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 21204
- Views: 2876875
Re: U.S. stocks in freefall
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...
- Mon Sep 17, 2018 9:03 pm
- Forum: US Chapters
- Topic: Jack Bogle Bobblehead
- Replies: 24
- Views: 4013
Re: Jack Bogle Bobblehead
I’ll buy one
- Thu Mar 29, 2018 6:18 am
- Forum: Personal Consumer Issues
- Topic: Renting car when you lose your D/L out of state
- Replies: 30
- Views: 3051
Renting car when you lose your D/L out of state
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?
- Wed Sep 06, 2017 5:20 pm
- Forum: Personal Consumer Issues
- Topic: Do I need an Amazon Echo??.....
- Replies: 82
- Views: 9478
Re: Do I need an Amazon Echo??.....
I suspect that you picked up this line from the Echo project's functional specifications.financeidiot wrote: ↑Wed Sep 06, 2017 4:06 pm It's like a smart radio that tries to steal your money.
- Thu Jul 20, 2017 9:03 am
- Forum: Personal Consumer Issues
- Topic: Scripters/Coders - Wanting to Learn
- Replies: 17
- Views: 2124
Re: Scripters/Coders - Wanting to Learn
Please look at the following book:
https://automatetheboringstuff.com
This might be very close to what you are looking for.
https://automatetheboringstuff.com
This might be very close to what you are looking for.
- Tue May 02, 2017 10:57 am
- Forum: Personal Investments
- Topic: Optum HSA Website Issues
- Replies: 3
- Views: 528
Optum HSA Website Issues
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. ...
- Tue Dec 13, 2016 9:53 am
- Forum: US Chapters
- Topic: Boglehead's newest millionaire
- Replies: 89
- Views: 12297
Re: Boglehead's newest millionaire
Proud moment for you, Watty. Thank you for sharing this story.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.
- Mon Aug 15, 2016 9:42 am
- Forum: Personal Consumer Issues
- Topic: ITunes app for kids gadget time limits
- Replies: 9
- Views: 1107
Re: ITunes app for kids gadget time limits
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...
- Thu Apr 07, 2016 9:35 pm
- Forum: Personal Investments
- Topic: Investing with Vanguard vs Brokerage Firms
- Replies: 24
- Views: 4106
Re: Investing with Vanguard vs Brokerage Firms
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 ...
- Tue Feb 16, 2016 1:56 pm
- Forum: Investing - Theory, News & General
- Topic: Investing Website You Follow
- Replies: 16
- Views: 2954
Re: Investing Website You Follow
The Finance Buff, the Oblivious Investor and the White Coat Investor.
- Sun Dec 13, 2015 12:17 pm
- Forum: Personal Consumer Issues
- Topic: Few hours in Paris - what do to?
- Replies: 13
- Views: 1632
Few hours in Paris - what do to?
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 ?
- Mon Aug 17, 2015 2:02 pm
- Forum: Personal Consumer Issues
- Topic: Colorado Circle Tour
- Replies: 28
- Views: 3187
Re: Colorado Circle Tour
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...
- Sun Aug 16, 2015 11:17 pm
- Forum: Personal Consumer Issues
- Topic: Colorado Circle Tour
- Replies: 28
- Views: 3187
Colorado Circle Tour
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...
- Tue Aug 11, 2015 10:18 pm
- Forum: Investing - Theory, News & General
- Topic: Rick Ferri Launching A Robo Advisory
- Replies: 31
- Views: 8939
Re: Rick Ferri Launching A Robo Advisory
Is this service live? What is the web address for additional information?
- Tue Jun 30, 2015 11:07 pm
- Forum: Personal Consumer Issues
- Topic: Quebec City Suggestions
- Replies: 19
- Views: 2922
Quebec City Suggestions
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 ...
- Fri Jun 26, 2015 11:22 pm
- Forum: Personal Investments
- Topic: Any brokerage that offers commission free Vanguard mutual funds?
- Replies: 21
- Views: 8489
Re: Any brokerage that offers commission free Vanguard mutual funds?
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...
- Wed Jun 24, 2015 12:55 pm
- Forum: Personal Investments
- Topic: 529 Plan and GST
- Replies: 0
- Views: 1702
529 Plan and GST
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'...
- Wed Jun 24, 2015 12:29 pm
- Forum: Personal Investments
- Topic: Vanguard 529 vs. Michigan 529
- Replies: 8
- Views: 4932
Re: Vanguard 529 vs. Michigan 529
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.
http://thefinancebuff.com/529-plan-deduct-and-run.html
As per this post, Michigan does not recapture any state tax deductions.
- Wed Jun 17, 2015 7:27 am
- Forum: Personal Investments
- Topic: Vanguard 529 vs. Michigan 529
- Replies: 8
- Views: 4932
Re: Vanguard 529 vs. Michigan 529
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...
- Wed Jun 17, 2015 7:21 am
- Forum: Personal Investments
- Topic: RSU vs Stock Options
- Replies: 10
- Views: 2173
Re: RSU vs Stock Options
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.
Based on the feedback and on my personal situation, I have made a decision to go for RSU.
- Mon Jun 15, 2015 10:45 pm
- Forum: Personal Investments
- Topic: RSU vs Stock Options
- Replies: 10
- Views: 2173
RSU vs Stock Options
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?
- Mon Jun 15, 2015 10:39 pm
- Forum: Personal Investments
- Topic: Vanguard 529 vs. Michigan 529
- Replies: 8
- Views: 4932
Vanguard 529 vs. Michigan 529
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?
- Sat May 02, 2015 7:43 pm
- Forum: Forum Issues and Administration
- Topic: Forum is now back ONLINE!
- Replies: 45
- Views: 8553
Re: Forum is now back ONLINE!
Wow the threads look great on my mobile phone. Thank you for this.
Now if you can just fix the home page
Now if you can just fix the home page

- Mon Sep 15, 2014 10:49 am
- Forum: Personal Consumer Issues
- Topic: FLICKR
- Replies: 7
- Views: 1269
Re: 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.SpringMan wrote:I just finished uploading several thousand photos to flickr.
- Tue Aug 05, 2014 7:16 pm
- Forum: Personal Consumer Issues
- Topic: O Canada! Questions about traveling to Canada :-)
- Replies: 34
- Views: 8626
Re: O Canada! Questions about traveling to Canada :-)
"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...
- Mon Jul 14, 2014 9:46 am
- Forum: Personal Investments
- Topic: Mimimize expenses vs. Maximize Roth contribution
- Replies: 13
- Views: 1890
Re: Mimimize expenses vs. Maximize Roth contribution
A little bit that I have is in the 401K account with my current employer.BL wrote:Where are your bonds located?
- Mon Jul 14, 2014 9:21 am
- Forum: Personal Investments
- Topic: Mimimize expenses vs. Maximize Roth contribution
- Replies: 13
- Views: 1890
Re: Mimimize expenses vs. Maximize Roth contribution
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...
- Mon Jul 14, 2014 9:14 am
- Forum: Personal Investments
- Topic: Mimimize expenses vs. Maximize Roth contribution
- Replies: 13
- Views: 1890
Re: Mimimize expenses vs. Maximize Roth contribution
Indexfundfan, I don't have a business. This will probably not work for me.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
- Fri Jul 11, 2014 2:11 pm
- Forum: Personal Investments
- Topic: Mimimize expenses vs. Maximize Roth contribution
- Replies: 13
- Views: 1890
Re: Mimimize expenses vs. Maximize Roth contribution
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...
- Fri Jul 11, 2014 1:32 pm
- Forum: Personal Investments
- Topic: Mimimize expenses vs. Maximize Roth contribution
- Replies: 13
- Views: 1890
Re: Mimimize expenses vs. Maximize Roth contribution
New employer has worse investment selection with higher expense ratio. Can't move investment there.
- Fri Jul 11, 2014 1:30 pm
- Forum: Forum Issues and Administration
- Topic: Tapatalk Integration
- Replies: 50
- Views: 22568
Re: Tapatalk Integration
+1 for Tapatalk integration or a mobile-friendly design
- Fri Jul 11, 2014 1:19 pm
- Forum: Personal Investments
- Topic: Mimimize expenses vs. Maximize Roth contribution
- Replies: 13
- Views: 1890
Mimimize expenses vs. Maximize Roth contribution
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...
- Wed Oct 30, 2013 9:14 am
- Forum: Personal Finance (Not Investing)
- Topic: Hit a milestone today [401(k)]
- Replies: 76
- Views: 10518
Re: Hit a milestone today [401(k)]
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...
- Fri Mar 29, 2013 12:00 pm
- Forum: Personal Investments
- Topic: Backdoor contribution for 2012 - can I do it now?
- Replies: 3
- Views: 563
Re: Backdoor contribution for 2012 - can I do it now?
Thank you, mhc and retiredjg. I appreciate your help.
- Thu Mar 28, 2013 9:01 am
- Forum: Personal Finance (Not Investing)
- Topic: Department Store Credit Cards
- Replies: 29
- Views: 7497
Re: Department Store Credit Cards
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.
- Thu Mar 28, 2013 8:58 am
- Forum: Personal Consumer Issues
- Topic: Windows 8 photo managing/simple editing suggestions?
- Replies: 21
- Views: 2455
Re: Windows 8 photo managing/simple editing suggestions?
I would suggest to give Picasa another try. It is very good and has more capabilities than anything you can buy for that price.
- Thu Mar 28, 2013 8:52 am
- Forum: Personal Investments
- Topic: Backdoor contribution for 2012 - can I do it now?
- Replies: 3
- Views: 563
Backdoor contribution for 2012 - can I do it now?
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,...
- Mon Feb 18, 2013 11:32 pm
- Forum: Personal Investments
- Topic: Didn't contribute 401K to the max - can I fix it?
- Replies: 11
- Views: 4107
Re: Didn't contribute 401K to the max - can I fix it?
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...
- Mon Feb 18, 2013 6:33 pm
- Forum: Personal Investments
- Topic: Didn't contribute 401K to the max - can I fix it?
- Replies: 11
- Views: 4107
Re: Didn't contribute 401K to the max - can I fix it?
Is it perhaps possible that I can still do a contribution to tradition-IRA for the leftover amount? Will that be allowed?
- Mon Feb 18, 2013 6:00 pm
- Forum: Personal Investments
- Topic: Didn't contribute 401K to the max - can I fix it?
- Replies: 11
- Views: 4107
Didn't contribute 401K to the max - can I fix it?
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!
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!
- Tue Jan 08, 2013 1:19 pm
- Forum: Personal Consumer Issues
- Topic: do you use off-brand contact lens solution?
- Replies: 21
- Views: 20781
Re: do you use off-brand contact lens solution?
I use Up and Up.
- Mon Jan 07, 2013 11:57 am
- Forum: Personal Consumer Issues
- Topic: Do Whole House Humidifiers Work?
- Replies: 50
- Views: 49390
Re: Do Whole House Humidifiers Work?
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?
- Wed May 16, 2012 1:55 pm
- Forum: US Chapters
- Topic: 1st Detroit Metro Chapter Meeting - Sat. June 9th 10:30 AM
- Replies: 12
- Views: 2473
Re: 1st Detroit Metro Chapter Meeting - Sat. June 9th 10:30
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.
- Tue May 08, 2012 2:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: Customer Service - Wells Fargo vs. T. Rowe Price
- Replies: 12
- Views: 1957
Customer Service - Wells Fargo vs. T. Rowe Price
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...
- Mon Apr 16, 2012 12:33 pm
- Forum: US Chapters
- Topic: Detroit Metro Chapter - Grand Opening
- Replies: 27
- Views: 4707
Re: Detroit Metro Chapter - Grand Opening
Interested
- Mon Jan 09, 2012 9:53 am
- Forum: Personal Finance (Not Investing)
- Topic: TurboTax vs. H&R Block vs. TaxAct
- Replies: 48
- Views: 12153
Re: TaxAct holding company has been acquired
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.LonePrairie wrote:I see TaxAct has been sold to InfoSpace.
http://techcrunch.com/2012/01/09/infosp ... m-in-cash/