Search found 37 matches

by youngt2
Fri Nov 01, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 14
Views: 1856

Re: Costa Rica

Did something similar for our honeymoon. First half was in La Fortuna, second half was in Tamarindo beach. Lovely place and beautiful beach. There is a large variety of places to stay from huts to luxury houses. We stayed at B&B. Lots of restaurants in the town and things to do, but we mostly stayed...
by youngt2
Mon Jun 03, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: What personal finance metrics do you track?
Replies: 44
Views: 3689

Re: What personal finance metrics do you track?

OP, I use Google Sheets. It has 3 tabs for data input: 1. bank/CC/loan transactions (date/account/payee/category/amount) 2. investment transaction (date/account/security/transaction type/price/shares/$ amount) 3. paycheck (date/gross/match/401k contribution/all deductions/net) Then the spreadsheet ...
by youngt2
Mon May 06, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 6447

Re: Anybody try the Blue Apron or the like?

We often use Blue Apron or one of the many other services. If you decide to use it a heads up trick that we tend to use is to cancel your subscription, change to another one, and then wait for the first one to email you a special offer to 'come back'. Between my wife and I we almost never pay full p...
by youngt2
Tue Apr 30, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: I'm evaluating Quicken 2019 vs Personal Capital
Replies: 16
Views: 2309

Re: I'm evaluating Quicken 2019 vs Personal Capital

Thanks. So using the exported CSV, it will be hard (but not impossible) to know how many shares of ABC stock I own at any given date. (If anyone asks why this matters, my concern with using any app such as quicken, personal capital is that my data will be held hostage to their system. If an app goe...
by youngt2
Tue Apr 23, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: I'm evaluating Quicken 2019 vs Personal Capital
Replies: 16
Views: 2309

Re: I'm evaluating Quicken 2019 vs Personal Capital

If anyone has any questions or "tests" you want me to run for comparison, feel free to let me know. Curious about the export function in Personal Capital. Can it export investment (non bank/CC) transaction historical data as CSV? Yes. In personal capital any transaction that is imported into the da...
by youngt2
Tue Apr 23, 2019 7:59 am
Forum: Personal Investments
Topic: Max out 403b/401k early ?
Replies: 16
Views: 1111

Re: Max out 403b/401k early ?

Probably not as you will miss being able to get a maximum company match. If you get a company match of say 4% per pay period, but you are done contributing after only half a year's pay periods, you are missing the match on the remaining periods. There could be other reasons you may want to, but miss...
by youngt2
Fri Feb 22, 2019 9:54 am
Forum: Personal Investments
Topic: Getting into investing and what stocks to buy
Replies: 61
Views: 3798

Re: Getting into investing and what stocks to buy

This is why financial money management and investing should be taught in schools :)
by youngt2
Fri Jan 18, 2019 1:02 pm
Forum: Personal Investments
Topic: 29 yo resident doc married need personal finance/investing advice
Replies: 29
Views: 3003

Re: 29 yo resident doc married need personal finance/investing advice

Yeah COUNTY Club not COUNTRY Club, like local county golf course, like average people. You are living like you are already a high paid doctor, you are not, and if you are already spending like a doctor it will only get worse when you actually are one, then it will be $80K car, and huge mortgage, an...
by youngt2
Tue Jan 15, 2019 4:47 pm
Forum: Personal Investments
Topic: 29 yo resident doc married need personal finance/investing advice
Replies: 29
Views: 3003

Re: 29 yo resident doc married need personal finance/investing advice

so $1,200 a month in food, $75 AT A BAR!!!!, and $400 a month for tennis..... I have a family of 3 and we spend about a quarter of that on food. Who is going to a bar when you are married, drink at home.... $400 a MONTH FOR TENNIS, how about buy a tennis pass to your local town which is like $25 a ...
by youngt2
Tue Jan 15, 2019 3:56 pm
Forum: Personal Investments
Topic: 29 yo resident doc married need personal finance/investing advice
Replies: 29
Views: 3003

Re: 29 yo resident doc married need personal finance/investing advice

Hi Boomie- My wife is currently a internal med resident about to start heme/onc fellowship (only 3 more years!). We have both read most of white coat investor, it is a very good resource. I highly recommend it! Some things to consider, although I wouldn't go as far to say it is 'advice'. The first t...
by youngt2
Mon Dec 17, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: Rate of Return on Vanguard Phone App
Replies: 2
Views: 536

Re: Rate of Return on Vanguard Phone App

If you look at the 'Investment Returns' tab you can click and highlight an area and it will show you from the start until that date. This allows you to see the total returns from 12/1/2017-11/30/2018. Then you can see the amount of change in a dollar value, and this would equate more to the percenta...
by youngt2
Fri Mar 23, 2018 4:39 am
Forum: Personal Investments
Topic: Safe SP500 index fund
Replies: 32
Views: 4173

Re: Safe SP500 index fund

If this existed, we would all be rich...
by youngt2
Fri Mar 23, 2018 3:53 am
Forum: US Chapters
Topic: Master Thread for Charlotte, NC Boglehead Chapter
Replies: 25
Views: 10232

Re: Master Thread for Charlotte, NC Boglehead Chapter

I'd be up for meeting as well in Charlotte. Looks like the originator of this post isn't active anymore. Anyone tried emailing the original emails that were created?
by youngt2
Sat Mar 09, 2013 7:22 pm
Forum: Personal Investments
Topic: portfolio consolidation??
Replies: 3
Views: 524

Re: portfolio consolidation??

Thanks for the advice guys. I will take it to heart!
by youngt2
Sun Mar 03, 2013 5:06 pm
Forum: Personal Investments
Topic: portfolio consolidation??
Replies: 3
Views: 524

portfolio consolidation??

Hi All, I've posted on here a few times awhile ago. Followed advice of the people when setting up my portfolio, however I'm starting to notice I have a lot of funds. Well, not really a lot of different funds, its mostly the same fund in different places. I'm happy with my asset allocation, emergency...
by youngt2
Wed Dec 12, 2012 7:55 pm
Forum: Personal Investments
Topic: Corning?
Replies: 27
Views: 3550

Re: Corning?

As a former Corning employee, I don't own the stock because I don't feel the management has any idea what's going on (plus like the other bogleheads I own index funds). By the time the slow moving giant gets really good at making something the trend is past. They are great at innovation, but don't h...
by youngt2
Tue Mar 08, 2011 8:12 pm
Forum: Investing - Theory, News & General
Topic: Rate our 401(k) fund choices
Replies: 17
Views: 2855

I'd agree to reduce the number of funds. I think too many can be overwhelming and frustrating. I know it can for me!
by youngt2
Tue Feb 15, 2011 12:35 pm
Forum: Personal Investments
Topic: Corning?
Replies: 27
Views: 3550

I'm with therub. Go for it. What's the worst that can happen? You lose 50% (or more) of the $1200.
Hopefully not the end of the world for you, and maybe learn a few lessons along the way.
by youngt2
Fri Feb 04, 2011 5:54 pm
Forum: Personal Consumer Issues
Topic: Forum reader?
Replies: 17
Views: 2338

look like no good software i guess.

but upgrades are always good!
by youngt2
Fri Feb 04, 2011 2:56 am
Forum: Personal Consumer Issues
Topic: "Cracking the Scratch Lottery Code"
Replies: 14
Views: 2855

I found this article very interesting. I thought the neatest part was the offset winning data found in several states. Someone should do a study to find out if these low-value tickets are not being cashed in, or if someone is rigging the system. I also was surprised by the lotto-as-drug-money system...
by youngt2
Thu Feb 03, 2011 11:01 pm
Forum: Personal Consumer Issues
Topic: Forum reader?
Replies: 17
Views: 2338

But google reader wont' allow you to quickly respond... I found this program webforumreader and it works surprisingly well, but it lists topic and then loads the thread in a 'browser' window within the program. I was thinking of something like a newsreader where you could post to the topic like a ne...
by youngt2
Thu Feb 03, 2011 9:16 pm
Forum: Personal Consumer Issues
Topic: Forum reader?
Replies: 17
Views: 2338

Forum reader?

Hello world. I'm wondering if there is some sort of forum reader that people use to keep up with these sites? It seems like there has to be a better way to follow along than using the web browser. Not that its that bad, but it seems like there should be a desktop software to help it along. Similar t...
by youngt2
Thu Feb 03, 2011 9:05 pm
Forum: Personal Investments
Topic: 401k with too many choices? or maybe not enough...
Replies: 4
Views: 1333

Great! Thanks for the help everyone. I think I was a bit overwhelmed with choices. This is my first company so I really have nothing to compare my choices to and its nice to hear there is a good selection for me! This is some good info. I think I will work on getting a few less funds in my account t...
by youngt2
Thu Feb 03, 2011 8:32 pm
Forum: Personal Consumer Issues
Topic: How to make a small fortune in the stock market.
Replies: 7
Views: 1972

Wait a minute... this seems like a bad thing...
by youngt2
Thu Feb 03, 2011 8:26 pm
Forum: Personal Consumer Issues
Topic: "Your computer is sending us error messages" (scam
Replies: 6
Views: 5560

HAHA! Since when has a tech support company ever reached out to a consumer?
by youngt2
Thu Feb 03, 2011 7:03 pm
Forum: Personal Consumer Issues
Topic: Unique Roman Glass Dish Discovered At London Grave
Replies: 7
Views: 1400

I've always been amazed at how people made things long ago. There are so many huge buildings and they have some amazing details. Now we just make big blocks that sit on top of each other with relatively no details. I'd love to watch the construction of the roman coliseum or pyramids. The ability to ...
by youngt2
Thu Feb 03, 2011 10:04 am
Forum: Personal Finance (Not Investing)
Topic: What's your biggest risk
Replies: 28
Views: 4033

Being younger and investing well, I guess for me it would be unemployment... However, sometimes I think it might provide me with an excuse to find new oppotunities. Always have to try and turn set backs into positives!
by youngt2
Thu Feb 03, 2011 1:47 am
Forum: Investing - Theory, News & General
Topic: Allan Roth: "The Power of Passive Investing"
Replies: 19
Views: 3795

So what does this book teach me beside what I just read in the article? Sounds like I'll invest passively and save the cost of the book! Don't know what else to try! He's a classic type A and a physician and he "knows" his extra effort in the market will pay off. We're just too boring for him! (He's...
by youngt2
Thu Feb 03, 2011 1:33 am
Forum: Investing - Theory, News & General
Topic: Great series of articles addressing dividend myths
Replies: 56
Views: 7208

But if the company does not utilize capital in projects with higher return than their cost of capital (or higher return than the S&P), it becomes better from investors standpoint to receive dividends. Most companies do not have a Warren Buffet at their helm to make these cost / benefit capital deci...
by youngt2
Thu Feb 03, 2011 12:11 am
Forum: Personal Consumer Issues
Topic: happy chinese new year bogleheads
Replies: 22
Views: 2552

Judsen wrote:
harrychan wrote:big time! full dinner tonight at the in - laws! year of the rabbit which means have lots of babies! :)
Sounds like lots of fun.
Which part sounds like fun? The dinner or the make lots of babies part :wink:
by youngt2
Thu Feb 03, 2011 12:09 am
Forum: Personal Investments
Topic: 401k with too many choices? or maybe not enough...
Replies: 4
Views: 1333

401k with too many choices? or maybe not enough...

Need a bit of help with my 401k. My company does not offer very nice options, or maybe there's just too many. I have no visibility to fees or expense ratios directly. I only get pure dollar amounts viewed online (no share amounts). I will be investing the 401k max in 2011 and also max out my Roth IR...
by youngt2
Wed Feb 02, 2011 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: "I need my mortgage for a tax deduction"
Replies: 44
Views: 6729

"Let's play a game. I'll play the role of both the government and your mortgage servicer. For every dollar of interest you pay on your mortgage. I'll give you 25 cents (or whatever their marginal tax rate is). You give me a dollar; I'll give you back twenty-five cents, You give me a dollar; I'll gi...
by youngt2
Wed Feb 02, 2011 11:33 pm
Forum: Investing - Theory, News & General
Topic: Failure of the 401k - A comprehensive study
Replies: 46
Views: 6298

Isn't having mandatory deductions into a 401k or Roth IRA very similar to a pension? It seems like companies would begin offering the 'mandatory' contribuitions as a perk and having it be free money by offsetting employees salaries. This just turns the process into something similar to a pension, ex...
by youngt2
Wed Feb 02, 2011 11:24 pm
Forum: Personal Consumer Issues
Topic: frying pans/skillets?
Replies: 83
Views: 12313

My vote is for a cast iron skillet. They are very versatile, heat evenly, and can be thrown in the oven as well.

If treated properly they are very non-stick and easy to clean!
by youngt2
Wed Feb 02, 2011 3:09 am
Forum: Personal Investments
Topic: Selling/organizing funds and tax implications
Replies: 7
Views: 1121

I have gone through this process with Vanguard. It is fairly simple. Just provide the account number for the other institution and fill a form out. Vanguard will take care of the rest. You have a choice to keep the same funds in a brokerage account or sell them and move them to a current Vanguard ac...
by youngt2
Wed Feb 02, 2011 2:55 am
Forum: Personal Investments
Topic: 401k / overfunding Roth IRA
Replies: 6
Views: 1381

I had a similar situation in 2010. The IRA contribution of my last paycheck was rejected from being deposited in my IRA (due to being over the limit) so the money got deposited to my regular bank account instead.

I'd think something similar should have occurred for your deposit.
by youngt2
Wed Feb 02, 2011 2:27 am
Forum: Personal Consumer Issues
Topic: Pitchers and Catchers
Replies: 46
Views: 5553

I say I just want to watch =) The outcome is small portion for me!