Search found 250 matches

by bogglehead
Wed Sep 25, 2013 9:13 am
Forum: Personal Consumer Issues
Topic: Southwest Companion Pass Earned - Where to?!
Replies: 24
Views: 2057

Re: Southwest Companion Pass Earned - Where to?!

Lots of direct flights from MDW to DEN. Denver is great to visit any time of the year.
by bogglehead
Sat Sep 14, 2013 10:51 am
Forum: Personal Consumer Issues
Topic: Traveling to Johannesburg for 3.5 Days -- Worth It?
Replies: 44
Views: 3348

Re: Traveling to Johannesburg for 3.5 Days -- Worth It?

Thanks for all of the replies -- I'm reviewing them carefully and researching some of the alternative ideas posted. I mentioned this to my Dad and he might be interested in coming along too -- he's experienced in African/Middle East travel, but never southern Africa (only northern countries). I real...
by bogglehead
Fri Sep 13, 2013 7:09 pm
Forum: Personal Consumer Issues
Topic: Traveling to Johannesburg for 3.5 Days -- Worth It?
Replies: 44
Views: 3348

Re: Traveling to Johannesburg for 3.5 Days -- Worth It?

I think many people doing this flight and turning it around quickly are trying to rack up status miles with AA to meet their executive platinum challenge :) If you have limited vacation time, you can make short trips work. Just have to decide what you need to see and what's strictly optional, plan ...
by bogglehead
Fri Sep 13, 2013 6:55 pm
Forum: Personal Consumer Issues
Topic: Traveling to Johannesburg for 3.5 Days -- Worth It?
Replies: 44
Views: 3348

Re: Traveling to Johannesburg for 3.5 Days -- Worth It?

Thanks for both of the replies. I was thinking of staying in Kruger, but having the car so I can do my own driving excursions. Would it be worthwhile to spend one night back in J'burg (downtown or elsewhere)? I've never been on any really long flights before, but I typically have no problems sleepin...
by bogglehead
Fri Sep 13, 2013 5:02 pm
Forum: Personal Consumer Issues
Topic: Traveling to Johannesburg for 3.5 Days -- Worth It?
Replies: 44
Views: 3348

Traveling to Johannesburg for 3.5 Days -- Worth It?

This may sound nutty, but I'm curious to get some input. I will preface this by saying that I have never done anything like this (very limited international travel), but it could be fun. I've been looking for a get-away for later this fall and have thought through the following itinerary. Washington...
by bogglehead
Tue May 07, 2013 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Having a renter deposit rent directly at bank?
Replies: 32
Views: 3492

Re: Having a renter deposit rent directly at bank?

My LL did this and it worked out fine for the three years I lived there. He would give me 12 deposit slips when I renewed my lease and I just dropped the money in the bank on the 1st. I had a checking account but never did figure out how to "push" it from my bank to his, so I just dropped off a chec...
by bogglehead
Tue Apr 30, 2013 12:35 pm
Forum: Personal Consumer Issues
Topic: Review my plan to ditch satellite service
Replies: 45
Views: 7717

Re: Review my plan to ditch satellite service

Thanks for the info about PlayOn. I just made the switch to OTA antenna and Roku and have been very happy thus far. But even though I can pick up the basic channels I have no idea what time stuff comes on. For $60 to PlayOn, I can watch all of the streaming shows AND record them on DVR, and then str...
by bogglehead
Fri Apr 19, 2013 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Future Divorce
Replies: 41
Views: 5317

Re: Future Divorce

Streptococcus wrote:
It takes 2 people to get mariage, and it is never only one person's fault.
I would disagree with this statement. If your wife decides she's really a lesbian, that wasn't your fault. Speaking from personal experience... :oops:
by bogglehead
Fri Mar 01, 2013 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Grad school loans, savings, and more
Replies: 23
Views: 2039

Re: Grad school loans, savings, and more

This is what I'd do (and did, in a similar situation): Max out 401K Backdoor Roth Cash in taxable investments to pay down student loans Funnel all extra cash to pay down student loans Borrow against 401K to pay down student loans Borrow from credit cards at 0% (2-3% after balance transfer fees) to ...
by bogglehead
Thu Feb 28, 2013 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Grad school loans, savings, and more
Replies: 23
Views: 2039

Re: Grad school loans, savings, and more

I'm in basically the same situation as the OP (higher loan balance, not as long out of law school yet, so slightly less salary ($185K)). I struggle with the 401(k) decision as well given my marginal tax rates. At my firm (and most), there is no 401(k) match, so is the wisdom to not put anything into...
by bogglehead
Wed Dec 12, 2012 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: First time homebuyer - 20% down vs 3% down
Replies: 43
Views: 3701

Re: First time homebuyer - 20% down vs 3% down

Can you point to which banks are offering 3% down with no PMI (even with a small rate bump)? I've come across 3% down conventionals recently, but they had PMI (and pretty high PMI at that). To answer your question -- I have no idea, I'm trying to figure out a very similar situation right now. In cas...
by bogglehead
Mon Oct 22, 2012 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Twins on the way!! Need term life insurance
Replies: 18
Views: 2156

Re: Twins on the way!! Need term life insurance

I got some quotes from term4sale and Zander recently and I realized that they both use the same backend software and they spit out the same quotes. I allowed each one to contact me and I had a flawless process with Zander and never heard from the agents on term4sale. I'd recommend Zander again, it w...
by bogglehead
Tue Oct 16, 2012 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Special Employee Mortgage Options - Help Me Choose
Replies: 11
Views: 1032

Re: Special Employee Mortgage Options - Help Me Choose

Thanks for posting the name of the credit union. I've looked at a similar product (the 100%, not the ARM) from Navy Fed CU and this one appears to be a better deal -- the biggest swipe at NFCU's product is the origination fee and discount points, along with relatively high closing costs. I would che...
by bogglehead
Tue Oct 16, 2012 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Special Employee Mortgage Options - Help Me Choose
Replies: 11
Views: 1032

Re: Special Employee Mortgage Options - Help Me Choose

Can you post the name of the credit union -- thanks.
by bogglehead
Sat Aug 25, 2012 11:08 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car this winter?
Replies: 24
Views: 2198

Re: Should I buy a new car this winter?

The side story to this is that I plan to do a major summer adventure with each of my daughters before they grow up and leave home. Adventure #1 is cycling down the Pacific coast with the daughter who is into cycling with me. The plan is to fly out to Oregon buy the bike and gear up at my parent's h...
by bogglehead
Fri Jul 20, 2012 1:18 pm
Forum: Personal Consumer Issues
Topic: Road trips with infants
Replies: 22
Views: 2542

Re: Road trips with infants

We recently did a 22-hour trip (completed in only 23 hours) with four kids ranging from two to five-and-a-half. It wasn't that bad, but we really made great time at night. In addition to lots of things already mentioned, make sure you fill up the car every time you stop so that you won't have to ina...
by bogglehead
Sun Jul 08, 2012 10:14 pm
Forum: Personal Consumer Issues
Topic: UPDATED: Took a Camping Trip, Needed Gear, What I Got
Replies: 53
Views: 4815

Re: Taking a Family Camping Trip, Need Gear, What is "Necess

UPDATE -- We Survived! As promised, here's a little post-mortem on our trip. We drove from northern Colorado to Billings, Montana on Wednesday morning and came back late Friday. We were planning to stay another day but decided against it when the weather turned a bit cooler and we didn't have any co...
by bogglehead
Mon Jul 02, 2012 10:34 am
Forum: Personal Consumer Issues
Topic: UPDATED: Took a Camping Trip, Needed Gear, What I Got
Replies: 53
Views: 4815

Re: Taking a Family Camping Trip, Need Gear, What is "Necess

As to something to do, we specifically picked a campground with a pool so that we can go swimming (multiple times likely, we go swimming a lot as it is). In addition, we plan to hike during the day and possibly take in a baseball game while we're there, so the "camping" aspect is more secondary to j...
by bogglehead
Mon Jul 02, 2012 10:28 am
Forum: Personal Consumer Issues
Topic: UPDATED: Took a Camping Trip, Needed Gear, What I Got
Replies: 53
Views: 4815

Re: Taking a Family Camping Trip, Need Gear, What is "Necess

Thanks again everyone, I appreciate all of the replies. We never camped much when I was a kid (other than going to Boy Scout camp by myself), so this is an activity that I would like my family to enjoy, so we're definitely easing them into it. We set up the tent in the yard this weekend and slept in...
by bogglehead
Thu Jun 28, 2012 11:38 am
Forum: Personal Consumer Issues
Topic: UPDATED: Took a Camping Trip, Needed Gear, What I Got
Replies: 53
Views: 4815

Re: Taking a Family Camping Trip, Need Gear, What is "Necess

Thanks for the recommendations everyone. After doing a bit more searching online last night, I made reservations for two nights at a campground near Billings, MT, so we're going to go north instead of west this time (still ~7 hours from my house). I've never been to MT and have always wanted to go, ...
by bogglehead
Wed Jun 27, 2012 5:30 pm
Forum: Personal Consumer Issues
Topic: UPDATED: Took a Camping Trip, Needed Gear, What I Got
Replies: 53
Views: 4815

Re: Taking a Family Camping Trip, Need Gear, What is "Necess

I think a pop-up may be something I'd like to do long-term, but I think we'll try the tent thing this summer -- minimal investment to try it out. I do think that most of the places we're considering are going to be pretty dry this time of year (and I'm definitely the fair weather type), so I think w...
by bogglehead
Wed Jun 27, 2012 5:11 pm
Forum: Personal Consumer Issues
Topic: UPDATED: Took a Camping Trip, Needed Gear, What I Got
Replies: 53
Views: 4815

Re: Taking a Family Camping Trip, Need Gear, What is "Necess

Good point about reservations. I'm researching places now -- and considering going a bit further north to beat a bit of the heat -- and most of the campgrounds I've checked still have tent spots available, but I'll make a decision soon and book something because it seems likely that we might end up ...
by bogglehead
Wed Jun 27, 2012 4:48 pm
Forum: Personal Consumer Issues
Topic: UPDATED: Took a Camping Trip, Needed Gear, What I Got
Replies: 53
Views: 4815

Re: Taking a Family Camping Trip, Need Gear, What is "Necess

Thanks everyone, these recommendations give me a lot of things to think about. As to why no RMNP -- we actually live about an hour north of Denver and get to RMNP very often, so we're hoping to go further afield (and w/ the fire last week in Estes and the fire in Fort Collins, the air quality stinks...
by bogglehead
Wed Jun 27, 2012 2:45 pm
Forum: Personal Consumer Issues
Topic: UPDATED: Took a Camping Trip, Needed Gear, What I Got
Replies: 53
Views: 4815

Re: Taking a Family Camping Trip, Need Gear, What is "Necess

I think psteinx hit the nail on the head with his response, but thanks to everyone for their suggestions. We go hiking as a family with some regularity, so we have most hiking stuff, but this is just a way for us to get out a bit further from home and not be rushed with coming back in the same day o...
by bogglehead
Wed Jun 27, 2012 1:11 pm
Forum: Personal Consumer Issues
Topic: UPDATED: Took a Camping Trip, Needed Gear, What I Got
Replies: 53
Views: 4815

UPDATED: Took a Camping Trip, Needed Gear, What I Got

I'm taking a 2-3 day family camping trip in a few weeks (sort of an impromptu decision) -- what gear do I need? I've got the tent covered, but that's it. We're planning to stay at a campground right next to our car, so we should have convenient access to anything we can store there (e.g. ice chest),...
by bogglehead
Wed Jun 27, 2012 9:52 am
Forum: Personal Consumer Issues
Topic: email problem personal
Replies: 6
Views: 1555

Re: email problem personal

This happens to me all of the time (I had a very early gmail address -- think jsmith@gmail.com) and it's somewhat annoying. There are no less than 6 people who "think" they have my email address and I get tons of email from them/their families/their business associates. In the last few years, I've g...
by bogglehead
Tue Jun 19, 2012 4:10 pm
Forum: Personal Consumer Issues
Topic: Gadgets you use, gadgets you don't, etc.
Replies: 50
Views: 5682

Re: Gadgets you use, gadgets you don't, etc.

As a result of this thread, I bought a $20 radio-controlled helicopter from Amazon -- it's super fun and getting a lot of use now. I've only had it for a few days, but I already feel like I recouped my money by how much fun it is. Thanks for the tip -- highly recommended!
by bogglehead
Tue Jun 05, 2012 11:08 am
Forum: Investing - Help with Personal Investments
Topic: UTMA Account from Childhood --> Tax Implications for Wife?
Replies: 21
Views: 1767

Re: UTMA Account from Childhood --> Tax Implications for Wif

Yeah, but what about all those dividends that were not declared on your tax returns since you were married? Are you going to file amended returns? I have never personally received or cashed a dividend check. I'm unsure whether the custodian has done so or whether they have (1) escheated to the stat...
by bogglehead
Tue Jun 05, 2012 10:03 am
Forum: Investing - Help with Personal Investments
Topic: UTMA Account from Childhood --> Tax Implications for Wife?
Replies: 21
Views: 1767

Re: UTMA Account from Childhood --> Tax Implications for Wif

You're right, just got around to dealing with it this year -- it's not exactly my top priority. I forgot that I made the thread last year, sorry for the repeat. The grandmother thing is a bit confusing to me as well -- I'm unsure of the exact timing. I know the stock came from the grandmother, but a...
by bogglehead
Mon Jun 04, 2012 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA Account from Childhood --> Tax Implications for Wife?
Replies: 21
Views: 1767

Re: UTMA Account from Childhood --> Tax Implications for Wif

Is that how long term capital gains are taxed, your marginal rate -15%? No, currently there is a separate tax structure for LTCG. It's 0% for tax brackets 10% and 15%, and 15% for all other cases. Brian Thanks for clarifying this. We won't be in the 15% bracket this year, so I guess we'll be lookin...
by bogglehead
Mon Jun 04, 2012 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA Account from Childhood --> Tax Implications for Wife?
Replies: 21
Views: 1767

Re: UTMA Account from Childhood --> Tax Implications for Wif

Replied once, but it didn't go through, sorry if it eventually shows up. In a nutshell, I have no idea about the basis, but even if we assume it's $0, we're only out a few hundred bucks on money we never knew anything about so I'm not too bummed. If there's no easy way to roll it into something else...
by bogglehead
Mon Jun 04, 2012 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA Account from Childhood --> Tax Implications for Wife?
Replies: 21
Views: 1767

UTMA Account from Childhood --> Tax Implications for Wife?

My wife has an UTMA account that was opened when she was a child. It contains 24 shares of a single stock and is currently worth about $1350. She didn't know this account existed until recently -- she is 30 years old. We've just gone through the process to remove her Dad (the custodian) from the acc...
by bogglehead
Sun Jan 22, 2012 12:01 pm
Forum: Personal Consumer Issues
Topic: Justifying 2007 Acura MDX purchase
Replies: 42
Views: 3264

Re: Justifying 2007 Acura MDX purchase

We were planning to do three across in our Saturn Vue, but then we found out it was TWINS! Bummed about having to buy a van, but what you gonna do? :-)
by bogglehead
Thu Jan 19, 2012 6:53 pm
Forum: Personal Consumer Issues
Topic: Stronglifts 5x5 program
Replies: 32
Views: 5052

Re: Stronglifts 5x5 program

I started with the bar since I've never consistently followed a strength training program before (just lots of cardio and running) and I can see the benefit for total newbs like myself. The only lift I did consistently before was the bench press, so I'm really trying to work on my form for the other...
by bogglehead
Thu Jan 19, 2012 6:03 pm
Forum: Personal Consumer Issues
Topic: Stronglifts 5x5 program
Replies: 32
Views: 5052

Re: Stronglifts 5x5 program

How's everyone doing on the SL program? I started a week or two after the OP, but just finished my 12th workout last night. I'm really enjoying it so far and have definitely noticed that my squat has gotten a lot better and I "feel" stronger. I can see that I'll probably max out on the OH Press pret...
by bogglehead
Sun Jan 15, 2012 4:56 pm
Forum: Personal Consumer Issues
Topic: Websites/magazines for law students-to-be or 1Ls
Replies: 7
Views: 520

Re: Websites/magazines for law students-to-be or 1Ls

For a more cynical view, check out: http://insidethelawschoolscam.blogspot.com/

It's written by a prof at a top-40ish school and, although a bit overly cynical in my opinion, it does provide a lot of good information about the high costs of LS and the low payoff for many students.
by bogglehead
Tue Jan 10, 2012 4:15 pm
Forum: Investing - Theory, News & General
Topic: Student Loan Debt: Who Are the 1%?
Replies: 46
Views: 3879

Re: Student Loan Debt: Who Are the 1%?

Nonnie, I don't doubt that there is a budget crisis, but I still think that there is a mismatch being offered the students. We could debate about why do they have to live in California (there was an article recently where the U of N.D. is begging for out-of-staters to come, no tuition, etc... -- but...
by bogglehead
Tue Jan 10, 2012 3:29 pm
Forum: Investing - Theory, News & General
Topic: Student Loan Debt: Who Are the 1%?
Replies: 46
Views: 3879

Re: Student Loan Debt: Who Are the 1%?

If students in CA's system can't get core classes (assuming what you say is true), then the university administrators should be faulted for not scheduling as many courses as they need -- it's simple supply and demand. Just a thought. I beg your pardon--"simple supply and demand"? There is an extrem...
by bogglehead
Tue Jan 10, 2012 2:57 pm
Forum: Investing - Theory, News & General
Topic: Student Loan Debt: Who Are the 1%?
Replies: 46
Views: 3879

Re: Student Loan Debt: Who Are the 1%?

If students in CA's system can't get core classes (assuming what you say is true), then the university administrators should be faulted for not scheduling as many courses as they need -- it's simple supply and demand. I haven't looked it up, but I imagine that they are still offering upper-level cou...
by bogglehead
Fri Dec 23, 2011 10:13 pm
Forum: Personal Consumer Issues
Topic: Self moving with U-haul
Replies: 33
Views: 3398

Re: Self moving with U-haul

Skip Uhaul and rent from Penske instead -- should be similar price, but much nicer trucks. I've had the brakes go out on a Uhaul truck and they're a mess to deal with.
by bogglehead
Tue Dec 20, 2011 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or Pay Down Debt?
Replies: 41
Views: 3578

Re: Invest or Pay Down Debt?

Does anyone's advice change if (1) the 401K offered at a law firm is a Roth 401K plan, with no match; and (2) my income will be well above the regular Roth threshold in 2013, but not in 2012? I'm sort of piggybacking off of the OP's thread, but my situation is relatively similar. Are you sure that ...
by bogglehead
Tue Dec 20, 2011 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Invest or Pay Down Debt?
Replies: 41
Views: 3578

Re: Invest or Pay Down Debt?

Does anyone's advice change if (1) the 401K offered at a law firm is a Roth 401K plan, with no match; and (2) my income will be well above the regular Roth threshold in 2013, but not in 2012? I'm sort of piggybacking off of the OP's thread, but my situation is relatively similar.
by bogglehead
Mon Dec 19, 2011 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or Pay Down Debt?
Replies: 41
Views: 3578

Re: Invest or Pay Down Debt?

Why not use the $5K Roth space as an emergency fund -- park $5K/year in there and put it in a money market account so that it is very liquid and you don't lose the Roth space? Any problem with this approach?
by bogglehead
Mon Dec 19, 2011 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or Pay Down Debt?
Replies: 41
Views: 3578

Re: Invest or Pay Down Debt?

:sharebeer fellow clerk! I'm definitely conflicted about this invest/debt discussion as well. I'm going to be receiving a substantial clerkship bonus in the fall and plan to use it to pay off my car and build up a bit of an e-fund, but then beyond that I guess I'll start plugging away at my student ...
by bogglehead
Mon Dec 19, 2011 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or Pay Down Debt?
Replies: 41
Views: 3578

Re: Invest or Pay Down Debt?

Are you in the second year of a fed clerkship in a low COL area? Just guessing based on your post -- I'm in my second year of clerking but make ~$71 in a slightly higher COL area. To expand on people's points -- I have similar (actually more) student loan debt than the OP and I thought conventional ...
by bogglehead
Sun Dec 11, 2011 12:04 pm
Forum: Personal Consumer Issues
Topic: Stronglifts 5x5 program
Replies: 32
Views: 5052

Re: Stronglifts 5x5 program

I've tried it, but the weighted squats really hurt my previously injured ankle and I gave it up. I should try it again, it does appear to be a great program if you can stick with it.
by bogglehead
Thu Nov 10, 2011 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Convert Rollover IRA to Roth?
Replies: 6
Views: 476

Re: Convert Rollover IRA to Roth?

Yours is an interesting case. At 60K, you're still in the 25% bracket, maybe more with state. Not so clear. The OP does say he(?) is married, so I would guess MFJ filing status. I do agree that the OP ought to estimate whether, down the road, he will remain eligible for a direct Roth contribution. ...
by bogglehead
Thu Nov 10, 2011 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Convert Rollover IRA to Roth?
Replies: 6
Views: 476

Re: Convert Rollover IRA to Roth?

I think the traditional wisdom is not to invest (especially lacking any type of 401(k) match) when I can get a guaranteed 7% return upfront by paying down my student loans. Yes, that is traditional wisdom. Although traditional wisdom doesn't fit every situation, in your case with $200,000+ debt at ...
by bogglehead
Thu Nov 10, 2011 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Convert Rollover IRA to Roth?
Replies: 6
Views: 476

Re: Convert Rollover IRA to Roth?

Yours is an interesting case. At 60K, you're still in the 25% bracket, maybe more with state. Normally that would favor tax-deferred investing over post-tax (Roth). However, you anticipate very large increases in income, which will probably put you out of the direct Roth contribution realm soon. An...