Search found 60 matches

by drizzle
Wed Sep 23, 2020 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance App (if you start fresh)?
Replies: 32
Views: 1547

Re: Personal Finance App (if you start fresh)?

Another plug for YNAB. It completely changed my husband and my financial lives! Same here, when my wife and I first got married over a decade ago, I had this nagging feeling about credit cards, and I later realized we were riding the credit card float. I wasn't able to put it into words at the time...
by drizzle
Wed Sep 23, 2020 9:21 am
Forum: Investing - Theory, News & General
Topic: 'Wealth Calculator' in Millionaire Next Door
Replies: 33
Views: 3949

Re: 'Wealth Calculator' in Millionaire Next Door

You highlight a flaw with that calculator, so Bo from the Money Guy podcast "fixed" it. He says for people < 40 you should use the years until 40 as an addition to the denominator. Then at 40 you would lose that bump and be back on the normal track in the book. So again for people under 40...
by drizzle
Tue Sep 22, 2020 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance App (if you start fresh)?
Replies: 32
Views: 1547

Re: Personal Finance App (if you start fresh)?

I love YNAB (You Need a Budget) it's a great way to start and helps people live on last month's income and be mindful with their money.
Also college students get a year free, https://www.youneedabudget.com/college/
by drizzle
Sat Sep 12, 2020 10:23 pm
Forum: Personal Investments
Topic: SDBA Worth the Hassle for S&P 500 Index
Replies: 8
Views: 381

Re: SDBA Worth the Hassle for S&P 500 Index

Thank you for the replies! My previous employer had VINIX - the Vanguard institutional S&P 500. I knew it and trusted it, and this new option seemed more closed off and hard to review. Their small/midcap which has an ER of 0.06% https://profile.morningstar.com/profile/HTMLPage.asp?ClientCode=005...
by drizzle
Sat Sep 12, 2020 10:06 pm
Forum: Personal Investments
Topic: SDBA Worth the Hassle for S&P 500 Index
Replies: 8
Views: 381

SDBA Worth the Hassle for S&P 500 Index

My current goal is to put money from my 401k in an S&P 500 index. My employer has a great 401k with some index options but the S&P 500 Index is not a publicly available option, so it's hard to compare exactly. They do have an option for an SDBA (Self Directed Brokerage Account) with absolute...
by drizzle
Tue Jun 23, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Question about using YNAB. Regarding credit cards, statements, dates.
Replies: 10
Views: 648

Re: Question about using YNAB. Regarding credit cards, statements, dates.

I'm a long time YNAB user. Welcome to using YNAB. There's other YNAB forums out there, and there's some helpful resources on the YNAB site like: https://docs.youneedabudget.com/article/1525-when-you-pay-your-card-in-full But when you pay for something with a credit card, it subtracts from that budge...
by drizzle
Wed Jun 17, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Quote | Pacific Life (via Zander)
Replies: 5
Views: 416

Re: Term Life Quote | Pacific Life (via Zander)

I also used Zander and ended up at Pacific Life. For me, after many rounds searching this has been the absolutely cheapest price for me. My only advice is to do a 30 year term to get you all the way to 65. Pacific Life is the first place that didn't seem to care about a pre-cancerous mole removal. E...
by drizzle
Fri Jan 03, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 11300

Re: How much were you able to save this year?

We were able to save right at 34% in 2019. I feel good about that.
Single income with SAHM and 2 small kids.

1 401k with Match: $22,500
2 Roths: $12,000
Mortgage Principal: $8,000
by drizzle
Wed Mar 21, 2018 8:13 am
Forum: Personal Investments
Topic: Supporting a High Withdrawal Rate for Medical Care
Replies: 12
Views: 1302

Re: Supporting a High Withdrawal Rate for Medical Care

Thanks for the feedback everyone. I think it's helpful to re-frame this as not a high withdrawal rate, but 2 separate groups of money: immediate need and long term investing. Here's some answers to people's questions. At that point, can she live with you? She will not be living with us, without the ...
by drizzle
Tue Mar 20, 2018 2:55 pm
Forum: Personal Investments
Topic: Supporting a High Withdrawal Rate for Medical Care
Replies: 12
Views: 1302

Re: Supporting a High Withdrawal Rate for Medical Care

What will the remaining spouse live on after these funds are potentially seriously depleted? Spousal Social Security and his pension would remain the same after he’s gone. That total is small but covers basic living expenses. The tough thing would be her future medical. She already has some issues.
by drizzle
Tue Mar 20, 2018 2:09 pm
Forum: Personal Investments
Topic: Supporting a High Withdrawal Rate for Medical Care
Replies: 12
Views: 1302

Re: Supporting a High Withdrawal Rate for Medical Care

They realize this is not sustainable, but that's how terminal illness work Other than this $75k/year immediate need, there's no other relevant information here on which to base an analysis. - I tried to point specifically to IRA and the healthcare need and separate out living expenses, their basic ...
by drizzle
Tue Mar 20, 2018 1:37 pm
Forum: Personal Investments
Topic: Supporting a High Withdrawal Rate for Medical Care
Replies: 12
Views: 1302

Supporting a High Withdrawal Rate for Medical Care

Hello Bogleheads- I've very much appreciated the information I've found here. I've been tasked with coaching my in-laws in paying for fixed healthcare costs from their IRA. They have pensions & social security covering basic living expenses, but they need $75,000/year for medical costs for care,...
by drizzle
Tue Dec 12, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 9675

Re: Year end review with less nerdy spouse

I'm enjoying this discussion as I too have a non-nerdy but like minded spouse. One thing I want to build for myself, even though I'm not sure my wife will care, is to put my expenses into a pretty chart to see. I recently found this chart and will be trying it at the end of the year. I use YNAB or Y...
by drizzle
Fri Jul 17, 2015 1:41 pm
Forum: Personal Investments
Topic: Transfer IRAs from American Funds to Vanguard?
Replies: 7
Views: 1723

Re: Transfer IRAs from American Funds to Vanguard?

I found this thread while searching so I thought I'd add the latest info on medallion signature guarantee for my situation. I was transferring a SIMPLE IRA at American Funds to a traditional rollover IRA at vanguard. They said for balances under $125,000 the requirement for the medallion signature g...
by drizzle
Fri May 30, 2014 4:33 pm
Forum: Personal Consumer Issues
Topic: Alarm Clock
Replies: 30
Views: 3667

Re: Alarm Clock

I have the Philips wake up light as well. I've had it for around 2 years. It's the best way to wake up, other than on your own. :)
It's on my short list of best purchases.
by drizzle
Fri May 23, 2014 10:45 am
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 44
Views: 5877

Re: Recommended Parenting Books

Rupert wrote:NurtureShock by Po Bronson and Ashley Merryman: debunks many commonly-held beliefs/myths about parenting using actual evidence
Scrolled down to recommend the same book. This was a fun book to read, and very interesting.
by drizzle
Fri May 09, 2014 12:40 pm
Forum: Personal Consumer Issues
Topic: Are Tornado Shelters Worth the Cost?
Replies: 52
Views: 6383

Re: Are Tornado Shelters Worth the Cost?

We are in Oklahoma as well, the Tulsa area. We debated for awhile about getting one, but decided it's a small cost in the grand scheme of things. And we'd regret not having one if a tornado came through. So we signed up for the SoonerSafe program which is a lottery (not income based) for $2000 towar...
by drizzle
Tue Sep 17, 2013 10:19 am
Forum: Investing - Theory, News & General
Topic: My thoughts on the Young Buffett's advice piece
Replies: 9
Views: 2428

Re: My thoughts on the Young Buffett's advice piece

Thanks for posting this. It was a great article.

I see that his bet with the hedge fund manager is currently in his favor.
http://finance.fortune.cnn.com/2013/01/ ... -fund-bet/
by drizzle
Wed Apr 24, 2013 5:04 pm
Forum: Personal Consumer Issues
Topic: Laundry Detergent Issues : Hard Water
Replies: 3
Views: 601

Re: Laundry Detergent Issues : Hard Water

We have somewhat hard water and it was resolved by using charlie soap. We've now been using it for 4 years or so.

They do sell a hard water booster, but we haven't found that we need it.
http://www.charliesoap.com/laundry_booster.html
by drizzle
Thu Apr 18, 2013 3:45 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey and 7%
Replies: 46
Views: 10317

Re: Dave Ramsey and 7%

I am a fan of Dave for most everything but investing. To be fair, he turned my wife and I from ho-hum savers to big-time savers. You do have to realize as most of the US does not save enough for retirement, so giving them incentive to save is important. For us, the prodigious savers, we would say &q...
by drizzle
Tue Apr 16, 2013 11:11 am
Forum: Personal Consumer Issues
Topic: Upgrading Cookware?
Replies: 48
Views: 8326

Re: Upgrading Cookware?

I enjoy the cooks illustrated show on PBS, and their website. I don't have a membership, but they do a bunch of reviews of equipment. They have a 14 day free trial. They do extensive testing from people who actually cook. Might be a good resource for the best-bang categories. http://www.cooksillustr...
by drizzle
Tue Apr 16, 2013 8:53 am
Forum: Personal Consumer Issues
Topic: UPS for HDTV
Replies: 16
Views: 2709

Re: UPS for HDTV

I have a Cyberpower UPS that works very well. It's a Pure Sine Wave UPS. I use it on my TV and computer and it's survived many a power outage and brown out. It says it even corrects the brown out without using the battery. I've had it for 2 years or so and it's been well worth it. http://www.amazon....
by drizzle
Mon Mar 25, 2013 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Planning for children
Replies: 18
Views: 1902

Re: Planning for children

I found a helpful college calculation spreadsheet yesterday. Takes inflation into account, and shows you what you'd need to save for it. It didn't play nice with Google Spreadsheets, but I was able to fix it in excel then upload it. http://office.microsoft.com/en-us/templates/college-costs-calculato...
by drizzle
Wed Feb 20, 2013 5:41 pm
Forum: Personal Consumer Issues
Topic: Mosquito misting systems
Replies: 15
Views: 1839

Re: Mosquito misting systems

Does anybody have or use a Mosquito Magnet?
http://www.mosquitomagnet.com/

We're moving to a place with a pond, and I'm thinking about getting one.
by drizzle
Fri Jan 18, 2013 11:13 am
Forum: Personal Consumer Issues
Topic: House Selection: More $ for Higher Possible Return
Replies: 11
Views: 1212

Re: House Selection: More $ for Higher Possible Return

I would not look at a home as an investment nor choose one on that basis. I would simply go with the one you like best, all things considered. Thanks prudent, while I agree with that statement, there is a line. You wouldn't buy a beautiful $400k house in a $150k neighborhood. So this being in my he...
by drizzle
Fri Jan 18, 2013 11:05 am
Forum: Personal Consumer Issues
Topic: House Selection: More $ for Higher Possible Return
Replies: 11
Views: 1212

House Selection: More $ for Higher Possible Return

Hello Everyone- My wife and I looking for a new house. We have a contract on ours, we just need to find one so we're not homeless. The issue I'm having is the following 2 options: A $180k house in a $180k neighborhood A $230k house in a $250k neighborhood Both neighborhoods are nice. We like the les...
by drizzle
Thu Jan 17, 2013 11:28 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel suggestions.
Replies: 53
Views: 6844

Re: Bathroom remodel suggestions.

One thing we did put in is a timer on the exhaust fan. This is great to be able to have it automatically turn off. This is the one we have, it works very well. http://homedepot.com/p/Pass-Seymour-Legrand-600-Watt-7-Button-Timer-RT1WCCV4/202039723#.UPgmAW_7JBI One thing to be aware of is that you nee...
by drizzle
Thu Jan 17, 2013 10:21 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel suggestions.
Replies: 53
Views: 6844

Re: Bathroom remodel suggestions.

We did our bathroom a couple years ago. We didn't do the radiant floor and I wish we had. Simple to put in, and a nice way to take the chill off.
by drizzle
Thu Nov 15, 2012 3:14 pm
Forum: Personal Consumer Issues
Topic: Bogleheads T-Shirt Possible Design(s)
Replies: 108
Views: 11209

Re: Bogleheads T-Shirt Possible Design(s)

I really like the simple design that Kashi uploaded.
by drizzle
Tue Sep 25, 2012 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Death and Dismemberment Insurance
Replies: 19
Views: 2552

Re: Accidental Death and Dismemberment Insurance

For me, I've decided my family needs X amount of dollars no matter whether I die from a car wreck or sudden brain cancer.
So for me, I just use a term life policy to cover that need.

A&D is not a silly thing to buy, it's just that it only covers if certain things happen.
by drizzle
Thu Sep 13, 2012 10:17 am
Forum: Personal Finance (Not Investing)
Topic: How do you set up your budget?
Replies: 23
Views: 2230

Re: How do you set up your budget?

Hello OP- I've used "You Need a Budget" for a few years now and I'm a fan. It gives your money separate buckets so you can get the benefits of separating your money, without having to actually do it at the bank. It's not free, and but very well done and well thought out. http://www.youneed...
by drizzle
Tue Aug 28, 2012 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life: Banner Life Value Term Insurance - Make Sense?
Replies: 4
Views: 981

Term Life: Banner Life Value Term Insurance - Make Sense?

Hello Everyone- I believe in term vs. whole life insurance. I'm getting some quotes and an interesting one popped up. The Banner Life Value Term Insurance. The premiums increase, but are guaranteed. I assumed the premiums would be more overall, but for me, they're not. The lower initial payment opti...
by drizzle
Thu Jul 26, 2012 10:44 am
Forum: Personal Investments
Topic: Excel Macro for downloading daily
Replies: 5
Views: 926

Re: Excel Macro for downloading daily

Creating a google doc using google finance functions are amazing ways to track investments.
by drizzle
Tue Jul 24, 2012 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Investment Directives in Will
Replies: 12
Views: 1351

Re: Investment Directives in Will

Thanks everyone. How about the other question, what investment would you suggest for my wife to provide income in the short term? Meaning while my kid(s) are young she could have the option to stay home, and supplemental income if she does work. 4. Invest half of the money in Fill in the Blank to pr...
by drizzle
Tue Jul 24, 2012 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Investment Directives in Will
Replies: 12
Views: 1351

Re: Investment Directives in Will

Are these supposed to be binding directives or simply some very specific recommendations? I'm new to estate planning so I don't know the intricacies of that question. For my wife they're just recommendations, for my children, I'd want them to be very specific, but I know it gets sticky when funds a...
by drizzle
Tue Jul 24, 2012 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Investment Directives in Will
Replies: 12
Views: 1351

Investment Directives in Will

My question is estate planning related. My wife and I have a mirror image will: I die, she gets everything, she dies, I get everything, and if we both die it funds a trust and my daughter gets everything. That's pretty standard, but I'm working on steps for my wife or trustee to carry out what's nee...
by drizzle
Thu Jul 19, 2012 4:32 pm
Forum: Personal Consumer Issues
Topic: Is free TV (with rabbit ears) a lot better these days?
Replies: 38
Views: 6115

Re: Is free TV (with rabbit ears) a lot better these days?

Hello frugaldude- I recently ditched cables and hooked up an antenna. I hooked up a small indoor antenna and got mediocre results. I then found TVFool. You put in your address and it gives you a map of where the channels are at and how strong they are. http://www.tvfool.com/?option=com_wrapper&I...
by drizzle
Tue Jun 26, 2012 9:50 am
Forum: Personal Consumer Issues
Topic: Neighborhood Searching: Looking for Online Tools
Replies: 1
Views: 384

Neighborhood Searching: Looking for Online Tools

Hello Everyone- My wife and I are searching neighborhoods. One shortcoming we're seeing in the online tools are neighborhood searching. What I'm looking for searching for in a tool: Find areas or neighborhoods with the following: Sq Footage: 2-3k Lot: 20k+ Nice to have feature: Neighborhood Pool Y/N...
by drizzle
Thu Jun 14, 2012 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: NMA 10 yr refi at 2.875% (no costs)
Replies: 8
Views: 1383

Re: NMA 10 yr refi at 2.875% (no costs)

it looks like NMA can't do 2.875 10 year no cost. At least not for my situation.
I did 3.375 with them a year ago or so. So I'm not too unhappy.
by drizzle
Thu May 10, 2012 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Mtgprofessor/Goodmortgage.com for your mortgage?
Replies: 4
Views: 2651

Re: Mtgprofessor/Goodmortgage.com for your mortgage?

For a first time home purchase I would highly suggest using a local credit union or local bank. Having someone you can physically go and meet with is handy. If something comes up last minute, you can grab someone. As for refinances, I'm perfectly fine with a nationwide online only search. For a refi...
by drizzle
Wed May 09, 2012 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Getting in MBA Program with a terrible undergrad GPA
Replies: 25
Views: 5221

Re: Getting in MBA Program with a terrible undergrad GPA

I'd buy and read this book first.
http://www.amazon.com/The-Personal-MBA- ... 1591843529

I just got it, it was actually at my library available for Kindle.
I've thought about getting my MBA, but I'm going to read this first and then re-evaluate.
by drizzle
Fri May 04, 2012 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Anyone rent a car for driving trips?
Replies: 30
Views: 2854

Re: Anyone rent a car for driving trips?

We rent for long road trips. It just makes sense to me. We have nice used cars, but I don't want the wear and tear of a couple thousand miles in a short length of time. I feel if I can beat the IRS rate of 55¢ a mile, then renting probably makes sense. Newer car etc. And we may NEVER admit to wantin...
by drizzle
Thu May 03, 2012 8:29 am
Forum: Personal Investments
Topic: Portfolio Help: 401k Options & Fitting in More International
Replies: 18
Views: 4205

Re: Portfolio Help: 401k Options & Fitting in More Internati

Thanks for the help everyone. I really appreciate it. I settled on: 70% Domestic 30% International, and 15% bonds. I re-read some portions of the boglehead's guide to investing, it helped me re-think these items. Updated portfolio: Account % of Total Fund Name Ticker ER His 401k 6.27% Vanguard Insti...
by drizzle
Fri Apr 13, 2012 2:12 pm
Forum: Personal Consumer Issues
Topic: Seattle move
Replies: 11
Views: 1496

Re: Seattle move

I <3 capitol hill.
If we every moved to Seattle, I'd definitely live there.
by drizzle
Thu Apr 12, 2012 12:51 pm
Forum: Personal Investments
Topic: Annual Roll from State 529 to Vanguard NV 529
Replies: 2
Views: 318

Annual Roll from State 529 to Vanguard NV 529

I have a question about a 529 with no vanguard low cost fund availability. I get an OK state deduction for contributing to a 529, but I don't love the investment options. How can I verify that I could contribute to an OK 529, and then once a year roll it to the Vanguard NV 529. It says that you can ...
by drizzle
Thu Apr 05, 2012 6:59 am
Forum: Personal Investments
Topic: Advice on 529 in CA
Replies: 22
Views: 4553

Re: Advice on 529 in CA

Now I'm confused, all of you are doing state specific 529's. For me, after seeing that OK had a crummy 529, I went straight to vanguard https://personal.vanguard.com/us/funds/529portfolios and opened one. Is there any benefit to doing a state specific 529 in a state outside your home state instead o...
by drizzle
Tue Apr 03, 2012 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Budget spreadsheet?
Replies: 2
Views: 899

Re: Budget spreadsheet?

This is a spreadsheet that I made that we used to use before switching to You Need a Budget. Maybe this will help. We use cash envelopes so it also calculates how much money to pull out bi-weekly. Nerd alert. If you're not familiar with google docs, just go to file, and download into excel and then ...
by drizzle
Thu Mar 29, 2012 10:54 pm
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 50
Views: 22534

Re: Tapatalk Integration

1 more vote for tapatalk.

I'd be very happy to see it integrated.
by drizzle
Tue Mar 27, 2012 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: If I listened to Dave Ramsey
Replies: 194
Views: 28860

Re: If I listened to Dave Ramsey

Dave Ramsey has been a very big help to my wife and I. We were newly married, no credit card debt, old paid off cars, and a pile of my wife's student loans. We made good money, but had no real plan for getting rid of the student loans (mostly private @ 6%). We ended up taking his Financial Peace cla...
by drizzle
Mon Mar 19, 2012 10:36 pm
Forum: Personal Consumer Issues
Topic: Success - Philips wake-up light
Replies: 17
Views: 2772

Re: Success - Philips wake-up light

My wife just bought me the Philips wake-up light for my birthday. It's amazing.
I've woken up 3 days in a row without needing any noise. Love it.