Search found 27 matches

by iBogle
Thu Oct 12, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 5142

Re: Pro and cons of the Prime offer by Amazon.......

If you take a lot of pictures on your phone, you get Amazon Photo's with a Prime membership that gives you unlimited storage space and can save photo's at full size.
by iBogle
Wed May 17, 2017 7:51 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1081
Views: 149853

Re: Mini Milestone 100K

Congrats! I remember reading somewhere that once you hit around the 100K mark is when you really start to see compounding interest work for you.
by iBogle
Tue May 02, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 6660

Re: Buying a diamond ring

I purchased online from Whiteflash years ago and enjoyed the process. One thing that I remember from doing my research back when is avoiding diamonds that are steep deep. A high quality diamond in the 4C's can be steep deep. I believe a steep deep diamond is when the geometry of the diamond is too s...
by iBogle
Thu Feb 23, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: At what point is a used car worth it
Replies: 27
Views: 3732

At what point is a used car worth it

The answer to this question will have a wide range and a lot of factors involved but I wanted to see what Bogleheads thought. If you were going to trade in your couple year old car for a used one to save money, at least now much would you have to save to make it worth it?
by iBogle
Fri Jul 22, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance through Costco ? Any experience ?
Replies: 6
Views: 4327

Re: Term Life Insurance through Costco ? Any experience ?

If you need 30 years, is it a good idea to ladder the insurance with a 20 year from Costco and a 30 year from another company? What happens if you decide to not be a Costco member anymore?
by iBogle
Fri Jul 08, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 48661

Re: Liking the new Citi CC at Costco

Since the new Citi card has a 2% cash back reward for purchases at Costco, is there any benefit to having the executive membership?
by iBogle
Mon Mar 21, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: 401K Rollover to Roth IRA Tax Questions
Replies: 6
Views: 566

Re: 401K Rollover to Roth IRA Tax Questions

Generally, you would rollover a 401k into a traditional IRA, then convert it to a Roth IRA. Since you say that you rolled over you 401k into a Roth IRA, your post brings up a couple questions: 1) Are you sure the IRA is a Roth IRA and not a traditional IRA? 2) Was your former employer's 401k a Roth...
by iBogle
Mon Mar 21, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: 401K Rollover to Roth IRA Tax Questions
Replies: 6
Views: 566

401K Rollover to Roth IRA Tax Questions

In the beginning of last year, I rolled over my old employers 401k into my Roth IRA. I received a 1099-R with the gross distribution, "0" for taxable amount on line 2a, and code "G" for direct trustee to trustee rollover in box 7. I contacted my state (PA) and was told that I do not owe any taxes to...
by iBogle
Tue Dec 22, 2015 10:37 am
Forum: Personal Investments
Topic: New 401K - Help for a Newbie
Replies: 2
Views: 391

Re: New 401K - Help for a Newbie

Apparently you plan to retire in fifteen years? Using 2030 target date funds is why I sat that. For your age of 32 years, and using TDFs I would think you want something more aggressive. A TDF of at least 2045 should be appropriate. When looking at the TRF's, I focused more on the AA instead of the...
by iBogle
Mon Dec 21, 2015 2:33 pm
Forum: Personal Investments
Topic: New 401K - Help for a Newbie
Replies: 2
Views: 391

New 401K - Help for a Newbie

My wife and I are trying to get our financial situation in order and still have a long way to go. In 2016, I will have the option to participate in my companies 401K which I will be contributing enough to get the match. I am unsure on how to strategize our retirement investments and would like to he...
by iBogle
Mon Jul 06, 2015 9:12 am
Forum: Personal Consumer Issues
Topic: SSD + HDD good option for upgrading desktop PC?
Replies: 74
Views: 11910

Re: SSD + HDD good option for upgrading desktop PC?

I installed the 250 GB Samsung 850 EVO and I couldn't be happier. I used a 3.5" to 2.5" adapter that came with my computer case. My personal data is on the HDD while the OS and programs are on the SSD. I also enabled AHCI after the install using the fix here: https://support.microsoft.com/en-us/kb/...
by iBogle
Mon Jun 29, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Jump! On Demand
Replies: 0
Views: 1336

T-Mobile Jump! On Demand

T-mobile recently launched a new program where you basically lease a phone for 18 months and can trade it up to 3 times without any fee. I am thinking about doing this program to replace my Note 3 with the iPhone 6. The iPhone 6 has a promotional rate of $15/month to celebrate the launch of the new ...
by iBogle
Tue May 26, 2015 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 35
Views: 12200

Re: Penfed 0.99% auto loan

Just wanted to follow up.. did anyone apply for this on Thursday-Friday and get the 0.99% deal besides harikaried who already had a loan with them and was easier to click/refi? I'm curious how fast they were processing if this deal comes around again. Thanks. I think I applied last Tues night. Call...
by iBogle
Thu May 21, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 35
Views: 12200

Re: Penfed 0.99% auto loan

If you own your car outright, you can still take advantage of the deal to pay off higher interest rate loans.
by iBogle
Tue May 19, 2015 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Auto Loan
Replies: 28
Views: 10290

Re: Penfed Auto Loan

Restarting an old thread that I thought was interesting.

Does this loan strategy still apply? Once you pay off the loan, does PenFed send you back the title?
by iBogle
Wed Mar 18, 2015 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 7194

Re: To MBA or Not to MBA

Thanks for your reply. Yes I will be doing part time while working. If I may ask, what type of opportunities opened up for you?
by iBogle
Wed Mar 11, 2015 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 7194

To MBA or Not to MBA

(not sure if this is the correct subforum) I am curious to hear stories of those people that has an engineering bachelors and went for an mba. What was your experience, good or bad? Why did you go for an mba? Did you use it as a platform to change careers? If so, what industry did you move into? Did...
by iBogle
Thu Feb 19, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 29556

Re: What video games are you currently playing?

Its good to see other Boglehead gamers! I myself have played, for the majority of my self aware life, FPS and MMO's. Grew up playing Counter-Strike, played professionally for a year and won some money. Most recently I've "quit" CS:GO and GuildWars 2, the plan is to game less and maybe play some con...
by iBogle
Mon May 12, 2014 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Short Term Disability Insurance
Replies: 2
Views: 421

Personal Short Term Disability Insurance

My wife and I are thinking about starting our family and have been going over what our financials will look like while she is on unpaid maternity leave. She is currently under my insurance plan and her company does not offer short term disability. What are the pro's and con's of getting personal sho...
by iBogle
Tue Aug 13, 2013 8:01 am
Forum: Personal Consumer Issues
Topic: New House Deep Carpet Cleaning
Replies: 7
Views: 1592

Re: New House Deep Carpet Cleaning

My wife and I are not too worried about the stains. The carpet is pretty stain free and we are pretty good at keeping it clean. What we want to make sure is is that we are moving into a house that has clean carpet...not just on the surface but thoroughly clean. Not knowing how the previous owners li...
by iBogle
Mon Aug 12, 2013 1:07 pm
Forum: Personal Consumer Issues
Topic: New House Deep Carpet Cleaning
Replies: 7
Views: 1592

New House Deep Carpet Cleaning

I just bought a house and should be closing early next month. I want to deep clean the carpet because the house has been vacant since December '12 and it would be an ideal time to do it when no furniture is in the house. I was planning on doing it myself but read that the cleaners you can rent are m...
by iBogle
Tue Apr 02, 2013 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Contributions for House Downpayment/Closing Cost
Replies: 6
Views: 2356

Roth IRA Contributions for House Downpayment/Closing Cost

So I have put a very small amount of money into my Roth IRA to use, if needed, for some of the down payment/closing costs on my first home. I also recently rolled over my old 401k (only about $1.5K) to my Roth about 2 months ago. I was under the impression that a first time home buyer can use up to ...
by iBogle
Fri Mar 22, 2013 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Pre-Approval Effects on Credit
Replies: 2
Views: 496

Mortgage Pre-Approval Effects on Credit

My wife and I have begun our search for our first home. I recently submitted 4 mortgage per-qualifications to several lenders but by accident submitted a pre-approval to two of the lenders (what I get for multi-tasking). After speaking with one of the the reps., they said that I have a 2 week window...
by iBogle
Thu Jan 24, 2013 1:10 pm
Forum: Personal Investments
Topic: New Investor's Portfolio
Replies: 4
Views: 861

Re: New Investor's Portfolio

Thanks NY. 1. This is what I plan on making my new 401k portfolio to be: 63% Vanguard S&P 500 Index Fund (VIFSX) (0.05) 27% Vanguard Total International Stock Index Fund (VTSGX) (0.18) 10% Vanguard Total Bond Market Index Fund (VBTSX) (0.10) If I add VEMSX, how much of a percentage should that be wi...
by iBogle
Thu Jan 17, 2013 1:11 pm
Forum: Personal Investments
Topic: New Investor's Portfolio
Replies: 4
Views: 861

New Investor's Portfolio

I have been browsing this site off and on for a while now and finally at a point to ask for your input. I started saving late but hope to get the ball rolling on the right foot. Really started last year so my portfolio is not as large or elaborate as most. I started a new job last March and the comp...
by iBogle
Mon Nov 07, 2011 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Software
Replies: 21
Views: 3028

Personal Finance Software

My wife and I recently created our monthly budgets and also keeping a record of all our monthly expenses. I have been using excel to keep track but takes a lot of time. I tried Mint but didn't like it. Heard Moneydance was pretty good so might try that. I know its all preference but what software ar...
by iBogle
Fri Sep 30, 2011 11:00 am
Forum: Personal Investments
Topic: New to investing
Replies: 1
Views: 338

New to investing

My wife and I (both 27) got married about a year ago and the only thing we knew about investing was a savings account. After getting married, I have been trying to educate myself about investing to set us up for the future. I just started reading "The Bogleheads guide to investing" which is what led...