Search found 69 matches
- Tue Feb 21, 2023 12:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: Managing excess Roth contributions and nondeductible TIRA contributions
- Replies: 4
- Views: 409
Re: Managing excess Roth contributions and nondeductible TIRA contributions
Yes you should recharacterize. You’ll need to do so before 4/15/23. As for the backdoor Roth questions, do either you or your spouse have other tIRA balances? The conversions to Roth would be 2023 activity, so you won’t get a 1099R until next year if you follow through with the backdoor. OK, I just finished recharacterizing my Roth contribution to a TIRA. Most of our holdings are in my work's 403b and 457b. Our IRA holdings are: $75k - tIRA (me) $100k - Roth (me) $57k - tIRA (wife) $26k - Roth (wife) Should I do a reverse rollover of my tIRA into my work's 403b to avoid Pro Rata? And then just do Roth Conversions, keeping that tIRA account at $0 each year? How do I manage my wife's retirement contributions now that she isn't eligible for a...
- Thu Feb 16, 2023 5:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Managing excess Roth contributions and nondeductible TIRA contributions
- Replies: 4
- Views: 409
Managing excess Roth contributions and nondeductible TIRA contributions
My income unexpectedly jumped this past year, and $3500 of my Roth contributions are excess Roth contributions and $3500 of my wife's TIRA contributions are nondeductible. I was wondering the best way to manage this considering I discovered this just now (not in 2022). Should I recharacterize my Roth contributions into my TIRA? After they are recharacterized as TIRA contributions, should I then do a Backdoor Roth or is it too late to do that? What do I do about the nondeductible contributions to the TIRA? Should I take steps to convert that $3500 to a Backdoor Roth? Regarding my tax return, would Vanguard have to send me updated tax forms to reflect the recharacterization and the separate Backdoor Roth transactions? I just want to keep this...
- Tue Feb 15, 2022 5:58 pm
- Forum: Investing - Theory, News & General
- Topic: Where We Are in the Big Cycle of Money, Credit, Debt, and Economic Activity
- Replies: 48
- Views: 5688
Re: Where We Are in the Big Cycle of Money, Credit, Debt, and Economic Activity
I'm normally 100% Total Stock Market, but I've recently decided to tilt heavily towards energy (VDE) and added a dash (10-15%) of REITs. Those are traditional inflation hedges, so we'll see how it pans out. VDE has been doing fantastic. REITs not so much.
- Thu Jan 13, 2022 5:54 pm
- Forum: Investing - Theory, News & General
- Topic: [Should I move money from Intermediate Term Bond Index to I-Bonds?]
- Replies: 96
- Views: 15702
Re: I-Bonds
I'm really wishing I would have bought 20k in I-bonds two weeks ago and 20k this week instead of dropping 60k in excess cash into VTSAX. Seriously regret. Oh well. I just have to think longer term with that money.
- Tue Dec 21, 2021 6:05 pm
- Forum: Personal Consumer Issues
- Topic: Any Free Lunches Out There?
- Replies: 130
- Views: 14425
Re: Any Free Lunches Out There?
$500 Southwest Airlines Gift card that never expires for $450 at Costco.
- Tue Dec 07, 2021 3:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: What's in your wallet? [credit card strategy]
- Replies: 100
- Views: 15828
Re: What's in your wallet? [credit card strategy]
Groceries - 6% (Amex Blue Cash)
Target - 5% (Target Redcard)
Amazon - 5% (Amazon CC)
Streaming - 6% (Amex Blue Cash)
Gas - 4/5% (Costco Visa or Chase Freedom Category)
Restaurants - 3% (Costco Visa)
Travel - 3% (Costco Visa)
Target - 5% (Target Redcard)
Amazon - 5% (Amazon CC)
Streaming - 6% (Amex Blue Cash)
Gas - 4/5% (Costco Visa or Chase Freedom Category)
Restaurants - 3% (Costco Visa)
Travel - 3% (Costco Visa)
- Thu May 04, 2017 10:42 pm
- Forum: Personal Investments
- Topic: Pension vs 401k
- Replies: 38
- Views: 6655
Re: Pension vs 401k
Just to answer some of the questions that have come up: - The pension does have an annual COLA equal to 100% of CPI up to 2%, 75% of CPI from 2-4%, and a max of 6%. - If I leave early, my payout is all of my contributions grown at a 6% interest rate per year It's a tough choice because I think the pension wins out the longer I stay. I love where I'm working and I could see myself staying forever because it's a University type of job where people often stay for an entire career. So it makes me feel like going with the pension and then being riskier with my other investments since I have a less risky pension component to my portfolio. I don't think the pension will dissolve because it's for a major university system in the most populous state.
- Thu May 04, 2017 5:51 pm
- Forum: Personal Investments
- Topic: Pension vs 401k
- Replies: 38
- Views: 6655
Pension vs 401k
I am looking for advice for deciding between my new employer's two retirement plan options: 1. A pension plan that pays 0.025 x years of service x highest average 36 months salary (I'm 33, so if I work until 65, that would be about 80% of my ending salary). If I die in early retirement, my spouse gets the monthly benefit if I take a reduced payout (85% of that 80%, so 68% of my salary). In order to fund this plan, I must pay 7% of my pretax salary. Note that when I say salary, this is referring to my "covered compensation," which amounts to being about 2/3 of my actual salary. So basically, the pension would pay out about 80% x 2/3 of my salary if I contribute 7% per month to it and didn't elect for survivor benefits if I die. Oth...
- Mon Dec 03, 2012 8:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best online bank?
- Replies: 27
- Views: 4145
Re: Best online bank?
+4joe8d wrote:+3Rexindex wrote:+2midareff wrote:+1 Excellent in all areascrowd79 wrote:Ally. Best rates and best customer service. Very, very happy with them.
- Wed Oct 19, 2011 12:00 pm
- Forum: Personal Consumer Issues
- Topic: Any cities that fit most/all of these criteria?
- Replies: 75
- Views: 6966
Re: Any cities that fit most/all of these criteria?
Another vote for Atlanta, GA.
It's diverse, has a low cost of living, and has tons of activities (several museums, nearly all travelling exhibits come through there, nearly all major concert tours will stop through their, pro and college sports, tons of restaurants, and much more). Another big plus is their airport. It flies direct to pretty much anywhere. Being a very central city, you can do weekend road trips to the surrounding cities. If you're a beach-goer, you are only a 4-5 hour drive from the sugar-white sands and emerald surf of the Florida gulf coast. I lived in Atlanta for 7 years, and I would move there in a heartbeat if I could land a job in my field there.
It's diverse, has a low cost of living, and has tons of activities (several museums, nearly all travelling exhibits come through there, nearly all major concert tours will stop through their, pro and college sports, tons of restaurants, and much more). Another big plus is their airport. It flies direct to pretty much anywhere. Being a very central city, you can do weekend road trips to the surrounding cities. If you're a beach-goer, you are only a 4-5 hour drive from the sugar-white sands and emerald surf of the Florida gulf coast. I lived in Atlanta for 7 years, and I would move there in a heartbeat if I could land a job in my field there.
- Wed Oct 12, 2011 11:44 am
- Forum: Personal Consumer Issues
- Topic: Do you have kid(s), or at least want to have kid(s)?
- Replies: 273
- Views: 20116
we childfree see having kids as a purely negative experience. We see having less money, the loss of peace and quiet, the loss of personal freedom, and the addition of stinky diapers in our lives if we had kids. We know in advance that we would not like having kids and if they were in our lives 24/7 our lives would be less happy. We childfree DO know what it WILL be like, and we want no part of it. We childfree know what would be getting ourselves into if we had kids, and we don't like the idea. Are you the official spokesperson for the "childfree?" I ask because you seem to have no problem speaking for a large group of people as if you know how each and every childfree individual feels. You may want to refrain from using the word...
- Fri Oct 07, 2011 3:47 pm
- Forum: Personal Consumer Issues
- Topic: Does television streaming online make cable obsolete?
- Replies: 17
- Views: 3282
I'll give you 4 letters that spell why a significant group of people don't cancel cable for online:
E-S-P-N
If ESPN can move all of their coverage to the web in a reliable interface people will be cancelling TV service left and right. Then the cable companies will find a way to block the ESPN web interface for internet-only customers.
The only real reason to have TV is for live events: NFL, CFB, Olympics, etc. All TV shows can be acquired by some other means.
E-S-P-N
If ESPN can move all of their coverage to the web in a reliable interface people will be cancelling TV service left and right. Then the cable companies will find a way to block the ESPN web interface for internet-only customers.
The only real reason to have TV is for live events: NFL, CFB, Olympics, etc. All TV shows can be acquired by some other means.
- Thu Oct 06, 2011 3:33 pm
- Forum: Investing - Theory, News & General
- Topic: Scrooge McDuck Versus John C. Bogle?
- Replies: 16
- Views: 3412
This reminds me of the Family Guy episode where Peter tries to dive into gold coins like Scrooge McDuck:
http://www.youtube.com/watch?v=cSkIizzA4aQ
http://www.youtube.com/watch?v=cSkIizzA4aQ
- Wed Oct 05, 2011 12:55 pm
- Forum: Personal Investments
- Topic: I Caused The Market To Bottom!
- Replies: 23
- Views: 3783
Same here. I check the weather. No rain for a week. I water my plants. Next day I wake up and a rogue storm system pops out of nowhere to douse my property in water. I don't understand it.filmtheory wrote:Well I've realized that I control the weather, at least in our part of the state, and my wife has had to admit it is true. Regardless of forecast, when I put down grass seed we can expect weeks without rain; when I paint or seal anything outside rain comes that night. I should try doing both at once!
- Sat Oct 01, 2011 6:14 am
- Forum: Investing - Theory, News & General
- Topic: Paying off the mortgage in 12 months
- Replies: 15
- Views: 2104
Aren't 30 year fixed mortgages typically amortized such that more interest is paid in the beginning and less at the end? If he is in year 19 of a typical 30 year loan at 6.5%, it will probably be less than a 6.5% return, however I still agree with your conclusion that he should pay it off. The instant return rate will still be better than alternatives in these low-interest-rate times.Tuxx wrote: (2) Instant 6.5% return.
- Fri Sep 09, 2011 2:54 pm
- Forum: Personal Consumer Issues
- Topic: How many friends do you have?
- Replies: 52
- Views: 8695
3 great friends - Wife, best friend since middle school, and good friend since college
A few work friends that I can genuinely talk about non-work stuff with (4 or so)
I easily could have 20+ friends, but I choose not to. It's too much of a pain in the a-word to keep up with that many friends. I hate feeling like I have to do something with a friend because if I don't they may think that I don't want to be friend with them. The only person I sacrifice my time for is my wife and my 2 good friends. Other than that, I can take it or leave it. People still ask me to do stuff with them all the time, but I'm a homebody, so I guess that contributes to my low friend count as well ... that, and being an INTJ personality type.
A few work friends that I can genuinely talk about non-work stuff with (4 or so)
I easily could have 20+ friends, but I choose not to. It's too much of a pain in the a-word to keep up with that many friends. I hate feeling like I have to do something with a friend because if I don't they may think that I don't want to be friend with them. The only person I sacrifice my time for is my wife and my 2 good friends. Other than that, I can take it or leave it. People still ask me to do stuff with them all the time, but I'm a homebody, so I guess that contributes to my low friend count as well ... that, and being an INTJ personality type.
- Wed Sep 07, 2011 8:07 pm
- Forum: Personal Consumer Issues
- Topic: Money and Happiness
- Replies: 36
- Views: 4696
It has to do with the the diminishing marginal utility of money. If you're interested, you can read up on utility functions. Here is a very short wikipedia excerpt on it: http://en.wikipedia.org/wiki/Utility#Money
This reminds me of the article stating that after $75k, things don't get much better: http://blogs.wsj.com/wealth/2010/09/07/ ... 00-a-year/
Our ultimate goal in life is to be happy. People all-too-often lose sight of this.
This reminds me of the article stating that after $75k, things don't get much better: http://blogs.wsj.com/wealth/2010/09/07/ ... 00-a-year/
Our ultimate goal in life is to be happy. People all-too-often lose sight of this.
- Sun Sep 04, 2011 12:43 pm
- Forum: Personal Consumer Issues
- Topic: Grandson of BCS
- Replies: 487
- Views: 46109
Great games last night. Oregon's turnovers in on Special Teams, and LSU's ability to capitalize on them cost them the game. BSU manhandled Georgia on what was essentially a home site for UGA, although it will go down as being a neutral field.
I was really impressed with LSU's defense and Special Teams. They're the team to beat, IMO. If they can find an offense, they will be hard to stop. Oregon can't feel that bad about losing against a team like LSU. I can see Oregon going undefeated the rest of the way considering their Special Teams will probably improve as the season progresses.
I was really impressed with LSU's defense and Special Teams. They're the team to beat, IMO. If they can find an offense, they will be hard to stop. Oregon can't feel that bad about losing against a team like LSU. I can see Oregon going undefeated the rest of the way considering their Special Teams will probably improve as the season progresses.
- Sun Sep 04, 2011 6:19 am
- Forum: Personal Consumer Issues
- Topic: Best showerhead?
- Replies: 38
- Views: 13757
- Wed Aug 31, 2011 3:26 pm
- Forum: Personal Consumer Issues
- Topic: mpg: 65 vs 75 mph
- Replies: 39
- Views: 6763
- Tue Aug 09, 2011 8:44 pm
- Forum: Personal Investments
- Topic: My portfolio, your advice?
- Replies: 25
- Views: 2895
Re: My portfolio, your advice?
It's just what you put down, so with an employer match, it's more than $16.5k.benlo wrote: I will find a way to reduce my living expense first, in order to achieve that maximum contribution. One question here: for this $16,500 amount, does it include the company contribution or it's just what I put down?
- Mon Aug 08, 2011 12:46 pm
- Forum: Personal Investments
- Topic: 401k asset allocation help
- Replies: 12
- Views: 2693
Re: 401k asset allocation help
nukephd, Does your 401k offer Target Date funds? Sadly, no. The only funds offered are those that I listed. Here's an idea to consider. Total Portfolio = $52k. Note that percentages refer to percentage of portfolio, not percentage of account. Option 1 His Roth IRA 38.5% ($20k) 14.5% VG Total Stock Market 24% VG Total International Index His Charles Schwab 401k 13.5% ($7k): 3.1% SSgA S&P 500 Index Fund - SVSPX (0.08%) 10.4% Wells Fargo Advantage Ttl Return Bond I - MBFIX (0.42%) Her Roth IRA 9.6% ($5k) 9.6% Total Bond Market Option 2 His Roth IRA 38.5% ($20k) 24.1% VG Total Stock Market 14.4% VG Total International Index His Charles Schwab 401k 13.5% ($7k): 0% SSgA S&P 500 Index Fund - SVSPX (0.08%) 13.5% Wells Fargo Advantage Ttl R...
- Mon Aug 08, 2011 10:29 am
- Forum: Personal Investments
- Topic: 401k asset allocation help
- Replies: 12
- Views: 2693
She's 23 and in nursing school. Being in school, she doesn't have income to invest. I just lumped the small amount of her Roth IRA (about $5k or so) in with mine. I might be able to max out her Roth IRA (will be able to in a year or so), but I just assumed that I wouldn't be able to for conservativeness.retiredjg wrote:No accounts for your spouse?
- Mon Aug 08, 2011 9:25 am
- Forum: Personal Investments
- Topic: 401k asset allocation help
- Replies: 12
- Views: 2693
Have you considered posting your information to get a suggestion from people here? See link below. Here is my info in that format: Emergency funds: 3 months of expenses and growing Debt: Mortgage $179k 30 year at 4.75% Tax Filing Status: Married filing Jointly Tax Rate: 25% Federal 0% State Tennessee Age: 27 Desired Asset allocation: 80-90% stocks/10-20% bonds Intl allocation: 30% of stocks Current portfolio: ~$25k in Roth IRA ~$7k in 401(k) Taxable: None Roth at Vanguard: 100% Target Retirement 2050 (VFIFX) (0.19%) Charles Schwab 401k: 55% SSgA S&P 500 Index Fund - SVSPX (0.08%) 25% American Funds EuroPacific Gr R5 - RERFX (0.55%) 20% Wells Fargo Advantage Ttl Return Bond I - MBFIX (0.42%) Annual Contributions $19,665 to 401(k) $5,000...
- Mon Aug 08, 2011 8:50 am
- Forum: Personal Investments
- Topic: 401k asset allocation help
- Replies: 12
- Views: 2693
Look at everything as one portfolio. I don't know how much you have in the Roth but consider dumping TR2050 and buying S&P500 in the 401(k) and Midcap idx and SC Idx (or extended mkt?) to replicate total market idx at lowest possible cost. Another possibility is to hold the 500 index and a bond in the 401k and use the Roth IRA for Total International which is a more complete international fund than the EruoPacific fund. Small cap is nice to have, but wait till you can get it at a lower expense ratio than what is offered in your 401k. Thanks for the great advice. I'm relatively new to investing, so I have the tendency to not look at the 401k and the Roth as one big pool. I like the idea of dropping the EuroPacific and getting into the T...
- Mon Aug 08, 2011 7:44 am
- Forum: Personal Investments
- Topic: Mark Cuban Repost - "How to Get Rich"
- Replies: 15
- Views: 4283
- Mon Aug 08, 2011 7:31 am
- Forum: Personal Investments
- Topic: 401k asset allocation help
- Replies: 12
- Views: 2693
- Mon Aug 08, 2011 6:28 am
- Forum: Personal Investments
- Topic: 401k asset allocation help
- Replies: 12
- Views: 2693
401k asset allocation help
My goal in my 401k is to have: 80% in equities and 20% in Bonds. Ultimately, I want 20% to emulate VBMFX, 55% to emulate VTSMX, and 25% to emulate VGTSX. The funds available to me are: Fund Name - Symbol (net expense ratio) Wells Fargo Advantage Ttl Return Bond I - MBFIX (0.42%) American Funds American Balanced R5 - RLBFX (0.35%) American Funds Invmt Co of Amer R5 - RICFX (0.35%) SSgA S&P 500 Index Fund - SVSPX (0.08%) American Funds Growth Fund of Amer R5 - RGAFX (0.39%) Goldman Sachs Small Cap Value Inst - GSSIX (1.04%) American Funds New Perspective R5 - RNPFX (0.51%) American Funds EuroPacific Gr R5 - RERFX (0.55%) Allianz NFJ Dividend Value Instl - NFJEX (0.72%) Wells Fargo Advantage Small Cap Growth I - WFSIX (0.91%) Right now, I ...
- Sun Aug 07, 2011 7:00 am
- Forum: Investing - Theory, News & General
- Topic: Unemployment rates - Fault financial habits of pre-retirees?
- Replies: 40
- Views: 3701
Re: Unemployment rates - Fault financial habits of pre-retir
I don't think outsourcing is the only cause for a lack of job creation. I think it's a combination of outsourcing, automation (increased production efficiency), and delayed retirement.grayfox wrote: So what's holding back new job creation in the U.S. this past decade?
I'll give you a hint. Since 2000, tens of millions of new jobs have been created to make all the stuff that Americans need and want, but most of those jobs are NOT in the U.S.
Global Wage Arbitrage
90% of the new jobs created since 2000 to fill the needs of the U.S. population have been created outside of the U.S.
Younger workers are the victims of global wage arbitrage. Jobs go where labor is cheapest.
- Fri Aug 05, 2011 11:13 am
- Forum: Personal Finance (Not Investing)
- Topic: Where do you save your travel money?
- Replies: 25
- Views: 3753
- Fri Aug 05, 2011 10:01 am
- Forum: Personal Finance (Not Investing)
- Topic: Setting up Mint.com -- Asset Allocations
- Replies: 8
- Views: 2969
Agreed.word wrote:I've been personally using Mint for quite some time. I find it GREAT for tracking my spending and budget.
I find it entirely lacking for tracking anything that has to do with investing (this includes their goal tracking). I'm still on the lookout for something that can easily monitor my goal progress and investment picture in a way I like.
I love Mint for everything but investments.
- Thu Aug 04, 2011 2:08 pm
- Forum: Personal Consumer Issues
- Topic: Grandson of BCS
- Replies: 487
- Views: 46109
- Thu Aug 04, 2011 1:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: If you are a millionaire... [Poll]
- Replies: 70
- Views: 11891
- Thu Aug 04, 2011 1:05 pm
- Forum: Personal Consumer Issues
- Topic: .....
- Replies: 79
- Views: 10510
I drive an Accord and my wife drives a BMW. Her 325 is a great car, but I would have never gotten it if we didn't get a great deal on it used. Driving the 325 is an experience. My wife loves it, but after a while it's not that thrilling anymore. We will be Honda people in the future, but she won't be getting a new car for quite some time. She can get at least 5 more years out of her car. We're simple people.
- Thu Aug 04, 2011 12:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: How did you find a job compatible with happiness?
- Replies: 105
- Views: 14651
Re: 26 year old perspective
When I graduated from a "prestigious" Ivy League college, I decided that I wanted to be a high school coach, and in order to do that, I had to teach. So I got a quick masters at a state school and landed a job as an English teacher and head coach at 23. Most of my college classmates thought I was nuts as they headed off to lucrative professions. But I said, "Screw it, I like working with kids." Plus the money was enough to get by, and if I needed more, I could always work summers. Fast forward to today. I had a great career, loved and got along great with most of the kids, and stayed at that original job for 35 years. Sure, there were days when it sucked, but the rewards made up for that. I have a tough time paying for ...
- Wed Aug 03, 2011 4:01 pm
- Forum: Personal Consumer Issues
- Topic: Grandson of BCS
- Replies: 487
- Views: 46109
It's hard picking this early.
The MNC participants will be either Oklahoma, Oregon, the Big10 champ, or the SEC champ (probably from the SEC west). The Big 10 (twelve) and SEC are looking very stout this season. The ACC always chokes (sadly .. b/c I'm an ACC guy) ever since Y2K, and the Big East is a joke, so those teams can be eliminated.
I am hoping for SEC vs Big10 because these are the two premier conferences in CFB right now. I can't wait for this season ...
My predictions:
1. Alabama (MNC winner)
2. Oregon
3. Boise State
4. Wisconsin (MNC loser)
5. LSU
The MNC participants will be either Oklahoma, Oregon, the Big10 champ, or the SEC champ (probably from the SEC west). The Big 10 (twelve) and SEC are looking very stout this season. The ACC always chokes (sadly .. b/c I'm an ACC guy) ever since Y2K, and the Big East is a joke, so those teams can be eliminated.
I am hoping for SEC vs Big10 because these are the two premier conferences in CFB right now. I can't wait for this season ...
My predictions:
1. Alabama (MNC winner)
2. Oregon
3. Boise State
4. Wisconsin (MNC loser)
5. LSU
- Wed Aug 03, 2011 10:00 am
- Forum: Personal Investments
- Topic: Roth vs. Traditional 401k
- Replies: 36
- Views: 5368
One factor that is often misunderstood regarding a Roth 401k is that your employer's contribution is still traditional. So let's say you're contributing 6% of your salary and your employer is contributing 4%, you are essentially putting 60% into a Roth and 40% into a Traditional.
I use a traditional 401k even though my employer offers a Roth. It gives me more money in my pockets now, which is a good thing, IMO.
I use a traditional 401k even though my employer offers a Roth. It gives me more money in my pockets now, which is a good thing, IMO.
- Sat Jul 30, 2011 8:23 am
- Forum: Investing - Theory, News & General
- Topic: What's your current rate of return for this year?
- Replies: 82
- Views: 9089
2.28% on my IRA
20% Vanguard 500
20% Vanguard Small-cap
20% International Explorer
20% International Value
20% Intermediate-term treasury
5.61% on my 401k on Monday 0.68% on my 401k today ... LOL
20% Wells Fargo Advantage Ttl Return Bond
55% SSgA S&P 500 Index Fund
20% American Funds Euro Pacific Gr R5
20% Vanguard 500
20% Vanguard Small-cap
20% International Explorer
20% International Value
20% Intermediate-term treasury
5.61% on my 401k on Monday 0.68% on my 401k today ... LOL
20% Wells Fargo Advantage Ttl Return Bond
55% SSgA S&P 500 Index Fund
20% American Funds Euro Pacific Gr R5
- Fri Jul 29, 2011 3:18 pm
- Forum: Personal Investments
- Topic: Young poker player, lots of cash and variable income
- Replies: 42
- Views: 9506
- Wed Jul 27, 2011 2:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: We may as well start the thread --Staying the Course
- Replies: 64
- Views: 7402
- Wed Jul 27, 2011 1:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: Career Decision
- Replies: 9
- Views: 1849
Career Decision
I'm 27 and thinking of making a semi-major career change that would require me to leave my current job and move me out of my house. The results of this career change would mean: a loss of the $8k housing incentive (have only been in my house 2 years so I lose that since I haven't been in the house for 3 yrs), a small loss on the house due to selling costs (max of $15k), and a small loss in non-vested portion of my 401k funds ($6k). So that's a total of about $30k in losses. I can stomach those losses and still have money to spare. Another issue caused by this change would be my wife having to put her RN degree on hold. She's completely fine with this because all she cares about is our happiness, and we aren't really happy where we are right...
- Wed Jul 27, 2011 1:30 pm
- Forum: Personal Consumer Issues
- Topic: Kindle a good gift for a 15 year old girl?
- Replies: 12
- Views: 1897
- Wed Jul 27, 2011 10:18 am
- Forum: Personal Consumer Issues
- Topic: Which chain restaurants do Bogleheads enjoy?
- Replies: 124
- Views: 22666
- Tue Jul 26, 2011 10:40 am
- Forum: Personal Finance (Not Investing)
- Topic: Roulette "System" -- So I made a simulator
- Replies: 62
- Views: 12597
- Tue Jul 26, 2011 9:48 am
- Forum: Personal Consumer Issues
- Topic: Honda Accord vs Toyota Camery
- Replies: 26
- Views: 4060
They're both great cars. I have a 2006 Accord, and my wife had a 1995 Camry that we gave to her grandmother. She still drives it.
I was in the same shoes as you when I was making the purchase of my 2006 Accord. To me, the Accord build and drive was superior to the Camry. The Camry felt more boat-like and less responsive, while the Accord felt the road much better. The interior build of the Accord was what won me over. I still love the Camry, but my personal preference is for Accord.
I was in the same shoes as you when I was making the purchase of my 2006 Accord. To me, the Accord build and drive was superior to the Camry. The Camry felt more boat-like and less responsive, while the Accord felt the road much better. The interior build of the Accord was what won me over. I still love the Camry, but my personal preference is for Accord.
- Tue Jul 26, 2011 9:45 am
- Forum: Personal Consumer Issues
- Topic: Khan Academy
- Replies: 21
- Views: 7095
- Tue Jul 26, 2011 9:42 am
- Forum: Personal Consumer Issues
- Topic: Who does their own oil changes?
- Replies: 51
- Views: 6824
- Fri Jul 22, 2011 3:05 pm
- Forum: Personal Consumer Issues
- Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
- Replies: 1507
- Views: 401817
I have the entire trilogy on hand, but I just started the first book and then got sucked into A Game of Thrones. I look forward to reading the rest of them on my beach vacation in a few weeks. Nothing like a book, a beach chair, an adult beverage, and the sound of waves crashing and seagulls calling.Igglesman wrote:Did you read the entire trilogy? I thought it was good quick read.nukephd wrote: The Hunger Games (I know ... it's teen fiction, but it's pretty good. Takes about a day to read)
- Fri Jul 22, 2011 3:01 pm
- Forum: Personal Consumer Issues
- Topic: Need online calendar recommendation
- Replies: 14
- Views: 1949
- Fri Jul 22, 2011 12:48 pm
- Forum: Personal Consumer Issues
- Topic: Anyone have a Spotify invite they will send my way?
- Replies: 24
- Views: 5252
For those claiming it's a trial, I haven't seen this anywhere. There are three tiers: Free, Unlimited, and Premium. I'm on the free tier. The only way you're on a trial is if you're on the Unlimited or Premium tier via a trial membership.
If I'm mistaken, could you please post a link to fill me in. Thanks.
If I'm mistaken, could you please post a link to fill me in. Thanks.