Search found 51 matches

by StillTired
Wed May 22, 2013 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Refinance to 15 year mortgage or keep 30 year?
Replies: 10
Views: 1964

Re: Poll: Refinance to 15 year mortgage or keep 30 year?

Personally, since you've decided to do no 529 until after you are debt free (including mortgage, I assume) I would change to the 15 year mortgage with the plan on paying it off before your oldest goes to college and then using that current payment to finance college. That is what we did (actually pa...
by StillTired
Thu Mar 21, 2013 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for mother considering bankruptcy
Replies: 100
Views: 6473

Re: Advice for mother considering bankruptcy

Before I'd have her consider bankruptcy, I would look at her credit card debt seriously. Is this increasing debt--- is she adding more purchases every month? Or is this left over debt from divorce or medical issue? If she is still adding to the debt (to fund lifestyle) bankruptcy will do no good--- ...
by StillTired
Wed Feb 27, 2013 12:02 pm
Forum: Investing - Theory, News & General
Topic: Three Fund Portfolio at Fidelity
Replies: 8
Views: 2337

Re: Three Fund Portfolio at Fidelity

I guess these percentages are out of different numbers? It seems you got your info directly from Fidelity: m They really need to understand the difference between "United States" and "North America" and "Latin America". That's too bad how erroneous the info displayed a...
by StillTired
Tue Feb 26, 2013 5:53 pm
Forum: Investing - Theory, News & General
Topic: Three Fund Portfolio at Fidelity
Replies: 8
Views: 2337

Re: Three Fund Portfolio at Fidelity

[quote="hoppy08520]FSIIX tracks the MSCI EAFE index of large-cap developed markets. FSGDX goes beyond just developed markets to include emerging markets, Canada and possibly other nations. Neither fund, however, owing to their target benchmarks, includes small caps.[/quote]

Thank you!
by StillTired
Tue Feb 26, 2013 4:00 pm
Forum: Investing - Theory, News & General
Topic: Three Fund Portfolio at Fidelity
Replies: 8
Views: 2337

Re: Three Fund Portfolio at Fidelity

FSGDX does not have 12% in the US. It probably has 12% in North America ex-US aka __________. (Fill in the blank yourself). OTOH, FSIIX has no __________ (fill in the blank) located in North America and no emerging markets as well. Thank you for pointing that out. That makes sense. It's odd because...
by StillTired
Tue Feb 26, 2013 3:33 pm
Forum: Investing - Theory, News & General
Topic: Three Fund Portfolio at Fidelity
Replies: 8
Views: 2337

Three Fund Portfolio at Fidelity

I have been looking at this information: m To replicate the 3 fund portfolio at Fidelity, it recommends using: Fidelity Spartan Total Market Index Fund (FSTMX) Fidelity Spartan Global ex U.S. Index Fund (FSGDX) Fidelity Spartan U. S. Bond Index Fund (FBIDX) I just wondered why the recommendation is ...
by StillTired
Fri Feb 15, 2013 1:55 pm
Forum: Investing - Theory, News & General
Topic: Pre-K better returns than equities?
Replies: 10
Views: 1189

Re: Pre-K better returns than equities?

He found that the annualized rate of return was somewhere between 7 percent and 10 percent. For comparison, historically the stock market has grown an average of 5.8 percent each year. Bonds have grown less. By this calculus, early childhood education is a better investment than either. Is this his...
by StillTired
Wed Feb 13, 2013 2:12 pm
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 29561

Re: What % of your income are you saving for retirement?

Depending on if you consider employer matching (and the subsequent increase in salary) we save from 20-24% for retirement. We're in our mid 30s and fully paid off our home this year. The "extra" percentages had been going towards that (paid off in 11 years). Now, for the next few years we'...
by StillTired
Sun Feb 10, 2013 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Poor couple looking for retirement IRA advice
Replies: 42
Views: 7754

Re: Poor couple looking for retirement IRA advice

Congrats on coming so far financially. Vanguard is an excellent place to open an IRA, from what I have heard. We, personally, use Fidelity for convenience (location of DP's primary 401(k) account). If you haven't already filled out your 2012 taxes, you might want to consider making the contribution ...
by StillTired
Sat Feb 09, 2013 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Opening an investment account for my girlfriend's parents
Replies: 8
Views: 2475

Re: Opening an investment account for my girlfriend's parent

There should be no problem with the parents having money in a designated retirment account (IRA, 401(k) or the like) and applying for financial aid. Those contributions will not be taken into account by the FAFSA: m Generally, you do not need to declare assets within retirement accounts as countable...
by StillTired
Fri Jan 18, 2013 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: How much money do you keep in your regular checking/savings?
Replies: 104
Views: 15208

Re: How much money do you keep in your regular checking/savi

One month of exenses plus a $500 buffer so if I need to get cash out at an ATM.

Our bill pay is through this account (why one month of expenses). It's then linked to an online savings account and we transfer money between them as needed.
by StillTired
Thu Jan 17, 2013 12:41 pm
Forum: Investing - Theory, News & General
Topic: My final review of 2012's sure things
Replies: 5
Views: 1218

Re: My final review of 2012's sure things

Thanks so much for sharing. I'm passing that on!
by StillTired
Tue Jan 15, 2013 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Waiting for Social Security after employment has ended
Replies: 14
Views: 1912

Re: Waiting for Social Security after employment has ended

The Social Security Website actually has an estimator: m After the original time you estimate your benefits, you can click the button to "Add an Estimate" which will allow you to change the age you stop working. It, unfortunately, makes the assumption that you will then start taking benefi...
by StillTired
Tue Jan 15, 2013 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Percentage of money in tax-advantaged accounts
Replies: 17
Views: 2089

Re: Percentage of money in tax-advantaged accounts

I feel that I'm tax-advantaged heavy. The only scenario where I can see this hurt me would be in an emergency case (lost job or something like that) where I would need to tap the money from the tax-advantaged accounts. I'm curious if anyone can think of negatives of being in this situation? We have...
by StillTired
Tue Jan 15, 2013 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: New IRA and AA
Replies: 3
Views: 267

Re: New IRA and AA

First, the maximum for IRA contributions for 2013 is actually $5.5K, so you can contribute $11K in 2013 When you say "this year" do you mean 2012 or 2013? You have until April to contribute for 2012, so if you have the funds you could put up to $21K at any time. At that point (in fact, if ...
by StillTired
Sat Jan 05, 2013 4:38 pm
Forum: Personal Consumer Issues
Topic: minivan thing
Replies: 84
Views: 6713

Re: minivan thing

"Third row? Laughable. The Odyssey has nearly as much cargo space behind its third-row seats as the Pilot offers passengers in the back—38 cubes for stuff in the Odyssey versus 39 for people in the Pilot. Meanwhile, third-class passengers in the minivan are treated to 52 cubic feet of luxuriou...
by StillTired
Sat Jan 05, 2013 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: 401k match question
Replies: 19
Views: 1283

Re: 401k match question

This makes it appear, as others have said, that the employer will contribute 8% of what *you* personally invest. So, as you said before, if you contributed $100 the employer would contribution $8 and if $10000 the employer would contribute $800. Is this correct or did you mean that independent of t...
by StillTired
Sat Jan 05, 2013 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: 401k match question
Replies: 19
Views: 1283

Re: 401k match question

My question is this - company will match 8% on quarterly basis of whatever amount employee contributes to 401k. This can vary from yr to yr, the past 2 years have been 8%, unsure of what the match will be this year. Reading here it seems you should always contribute as much to obtain the company ma...
by StillTired
Fri Dec 21, 2012 7:24 pm
Forum: Personal Consumer Issues
Topic: Ski Masks
Replies: 38
Views: 3143

Re: Ski Masks

I misread your first post--- was thinking your morning run was your morning ski run. Anyway, I would definately go with something like the previous post. My kids have gloves from REI that are supposedly windproof but don't heat you up a lot. You do *not* want something like a turtle fur that will ha...
by StillTired
Fri Dec 21, 2012 11:37 am
Forum: Personal Consumer Issues
Topic: Ski Masks
Replies: 38
Views: 3143

Re: Ski Masks

Since you mentioned a price from $10-200, I figured REI would be no problem: you should be able to get a good quality item that you can try on and make sure is comfortable for you for under $30. If you want to get it cheaper, try it at REI and buy it from Amazon or Sierra.
by StillTired
Thu Dec 20, 2012 11:19 pm
Forum: Personal Consumer Issues
Topic: Ski Masks
Replies: 38
Views: 3143

Re: Ski Masks

If you have an REI near you, I'd try there. We've been happy with our ski masks there *and* they have an excellent return policy. One brand my son really likes a turtle fur and you can get the baklava style with a thinner top part to fit under your helmet, a full face one, or just the lower face. Go...
by StillTired
Tue Dec 04, 2012 6:56 pm
Forum: Personal Consumer Issues
Topic: Ring Purchase & Sizing
Replies: 10
Views: 950

Re: Ring Purchase & Sizing

Ask specifically at the jewler about the ring you are buying. My ring, for example, can be easily resized (within reason), but it's just a gold band. My husband's ring, which is platinum & gold together cannot be resized because of the "design" (it's just bands).
by StillTired
Thu Nov 15, 2012 7:50 pm
Forum: Personal Consumer Issues
Topic: What Advice Would You Give Your 30yo Self?
Replies: 70
Views: 7765

Re: What Advice Would You Give Your 30yo Self?

I recall a book I read years ago called "Replay" where a guy has a heart-attack, dies, and finds himself back in his 18-year old body with all his memories intact. He does search out his wife (also 18 - they met at 27 or something in his first life), but totally freaks her out by knowing ...
by StillTired
Thu Nov 15, 2012 3:51 pm
Forum: Personal Consumer Issues
Topic: What Advice Would You Give Your 30yo Self?
Replies: 70
Views: 7765

Re: What Advice Would You Give Your 30yo Self?

I recall a book I read years ago called "Replay" where a guy has a heart-attack, dies, and finds himself back in his 18-year old body with all his memories intact. He does search out his wife (also 18 - they met at 27 or something in his first life), but totally freaks her out by knowing ...
by StillTired
Thu Nov 15, 2012 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Research on Retirement
Replies: 2
Views: 630

Re: Wells Fargo Research on Retirement

Interesting article: http://www.4-traders.com/WELLS-FARGO-COMPANY-14861/news/Wells-Fargo-Company-What-s-the-Price-of-Retirement-Confidence-Americans-Who-Have-$250-000-or-Mo-15512794/ Two comments: 1. I'd be curious to see the age break out of the responses 2. I'm not sure how many of the sampled po...
by StillTired
Fri Oct 26, 2012 10:10 am
Forum: Personal Consumer Issues
Topic: Windows 8: Are you upgrading?
Replies: 67
Views: 5825

Re: Windows 8: Are you upgrading?

DP plans on getting a Surface in the new year. I assume we'll reevaluate after then for the rest of our machines. He actually has one machine that has a pre-realease copy of Windows 8 already installed but he hasn't been using it. He does say that there is not the performance concern about upgrading...
by StillTired
Tue Oct 23, 2012 11:46 am
Forum: Personal Consumer Issues
Topic: Sock questions
Replies: 55
Views: 5184

Re: Sock questions

We often stock up on socks on Black Friday. Fred Meyer (in the PWN, owned by Kroger) has 50% off socks that day.
by StillTired
Mon Oct 22, 2012 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: 401K limits increased to $17,500
Replies: 41
Views: 8992

Re: 401K limits increased to $17,500

A percentage ?! That's downright crazy! It's so obvious all the problems that would cause that it's unbelievable that anyone would even think of setting it up that way. A percentage ! My husband's current employer and his former employer both did it that way. With his former employer if you maxed o...
by StillTired
Fri Oct 12, 2012 11:45 am
Forum: Personal Consumer Issues
Topic: Buying a secondary timeshare in Utah
Replies: 17
Views: 2474

Re: Buying a secondary timeshare in Utah

I have known people that timeshares worked out for. One is a couple who are both VERY type A personalities. They have three kids, both work (the wife just finished her PhD while working a job full time) and found they were never taking the family vacations they wanted to. They were *always* busy so ...
by StillTired
Thu Sep 27, 2012 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 12073

Re: Cell phones breaking budgets!

Wow, I can't believe we're the high spenders on this thread. We spend in the $170/month range on our cell phones. That includes two smart phones with data (one of them has that feature that it can be used for wi-fi for you computer). Then three more lines that are phone/unlimited text only. DP is re...
by StillTired
Wed Sep 12, 2012 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Credit card for bad credit?
Replies: 16
Views: 1357

Re: Credit card for bad credit?

Have you already asked the two cards you currently have for increased limits?
by StillTired
Sun Sep 09, 2012 1:06 pm
Forum: Personal Consumer Issues
Topic: Blender Recommendation
Replies: 37
Views: 4231

Re: Blender Recommendation

We also have a Vitamix. My husband researched it and determinded it was the best choice. It's worked well for us so far. We mostly make smoothies with it but also make soup & bread doughs.
by StillTired
Thu Sep 06, 2012 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Higher salary or better benefits?
Replies: 37
Views: 2697

Re: Higher salary or better benefits?

Because of where we live, we actually have known several people in this exact position. There is a local (huge) employer who has excellent benefits. They also have contracted employees who do not recieve those benefits but are paid additional to make up for them (no 401(k), no health care, only Fede...
by StillTired
Fri Aug 17, 2012 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Trust for minor children...any advice or critique?
Replies: 40
Views: 3961

Re: Trust for minor children...any advice or critique?

Just off the top of my head: I assume you think that it is your responsiblity to prepare your child for adulthood. If you divide the trust the way you are suggesting now (when your oldest child reaches 18) you are basically requiring your two younger children to pay for their childhood expenses with...
by StillTired
Fri Aug 17, 2012 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: how do you select a refrigerator?
Replies: 47
Views: 6761

Re: how do you select a refrigerator?

First, I would determine what you prefer in a fridge unit. Some people need more freezer space than others, for example. check consumer reports ratings This is what we do. We generally go with whatever they rate as the "best buy" and basically always just pick one of their recommendations....
by StillTired
Wed Aug 15, 2012 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: [How much do you pay in] Property Taxes
Replies: 61
Views: 6912

Re: Property Taxes

About 1.2%. I live in WA where property taxes are thought to be on the high side since we have no state income tax. Same. When we were considering moving, though, I was surprised how much higher the taxes were in the Austin area (of course, for less money there we would be looking at an upper end h...
by StillTired
Mon Aug 13, 2012 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: 12 years of investing with no "plan"
Replies: 16
Views: 1602

Re: Portfolio Advice: 12 years of investing with no "plan"

I would definitely rollover the 401K from the former employer. To Fidelity Spartan Total Market Index Fund since you prefer Fidelity. However, Fidelity doesn't have a Spartan total bond market index fund which is a cornerstone of the Simple 3-fund portfolio. I would target 30-35% for bonds. I am mo...
by StillTired
Mon Aug 13, 2012 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: 12 years of investing with no "plan"
Replies: 16
Views: 1602

Re: Portfolio Advice: 12 years of investing with no "plan"

Yes, the working spouse's earned income qualifies the non-working spouse. In the Child Tax Credit phaseout I would say definitely go with pre-tax savings to avoid the 30% tax. Here are a few threads that may be useful to you: http://www.bogleheads.org/forum/viewtopic.php?t=69833 http://www.boglehea...
by StillTired
Mon Aug 13, 2012 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: 12 years of investing with no "plan"
Replies: 16
Views: 1602

Re: Portfolio Advice: 12 years of investing with no "plan"

Income: low 100K Tax Rate: 25% Federal Are you sure? I don't know what "low 100k" really means, but here's an example: $120,000 gross income - $17,000 401k contribution - $2,700 pre-tax health, dental, and disability insurance premiums - $2,500 FSA contributions --------------------------...
by StillTired
Mon Aug 13, 2012 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: 12 years of investing with no "plan"
Replies: 16
Views: 1602

Re: Portfolio Advice: 12 years of investing with no "plan"

However, Fidelity doesn't have a Spartan total bond market index fund which is a cornerstone of the Simple 3-fund portfolio. Fidelity recently released the "Spartan U.S. Bond Index Fund" (FBIDX). I have to use FBIDX in my 401k since VBMFX is not an option. See the Wiki for Fidelity equiva...
by StillTired
Mon Aug 13, 2012 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: 12 years of investing with no "plan"
Replies: 16
Views: 1602

Re: Portfolio Advice: 12 years of investing with no "plan"

Johm221122 wrote:Try a 3 fund portfolio
http://www.bogleheads.org/wiki/Three-fund_portfolio
As far as moving old 401, Fidelity Spartan funds are good or move to vanguard
Good luck
John


Thanks!

I'm so nervous to move that amount of money at once, but I think it should be done.
by StillTired
Mon Aug 13, 2012 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: 12 years of investing with no "plan"
Replies: 16
Views: 1602

Re: Portfolio Advice: 12 years of investing with no "plan"

I would definitely rollover the 401K from the former employer. To Fidelity Spartan Total Market Index Fund since you prefer Fidelity. However, Fidelity doesn't have a Spartan total bond market index fund which is a cornerstone of the Simple 3-fund portfolio. I would target 30-35% for bonds. I am mo...
by StillTired
Mon Aug 13, 2012 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: 12 years of investing with no "plan"
Replies: 16
Views: 1602

Re: Portfolio Advice: 12 years of investing with no "plan"

Income: low 100K Tax Rate: 25% Federal Are you sure? I don't know what "low 100k" really means, but here's an example: $120,000 gross income - $17,000 401k contribution - $2,700 pre-tax health, dental, and disability insurance premiums - $2,500 FSA contributions --------------------------...
by StillTired
Mon Aug 13, 2012 12:52 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: 12 years of investing with no "plan"
Replies: 16
Views: 1602

Portfolio Advice: 12 years of investing with no "plan"

Hi. I’d like some help making sure our asset allocation is correct. We (my husband is the sole earner) have been saving steadily within retirement accounts but with no cohesive plan. We just paid off our mortgage (conservative home value of $350K). Emergency funds = Yes Debt: $0 Income: low 100K Tax...
by StillTired
Sun Aug 12, 2012 11:12 pm
Forum: Personal Consumer Issues
Topic: Seattle vacation ideas - hotels
Replies: 23
Views: 4399

Re: Seattle vacation ideas - hotels

You've already gotten a lot of wonderful suggestions and I'm sure you'll have a great time. As previously mentioned, you're actually coming at one of the best times for weather in the PNW. Many of the people we know have August/September wedding anniversaries because it is just the best weather. A c...
by StillTired
Fri Aug 10, 2012 1:39 pm
Forum: Personal Consumer Issues
Topic: How many school uniforms ... and other related questions
Replies: 18
Views: 1772

Re: How many school uniforms ... and other related questions

Also take into account the climate you are in. In some places the kids need long-sleeved winter shirts OR sweaters while in others a polo is fine year round. Are they boys or girls? If girl, are skirts required or optional? While two pairs of pants would probably be fine, one pair of pants and one s...
by StillTired
Fri Aug 10, 2012 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Education Program
Replies: 4
Views: 641

Re: Financial Education Program

My son did something similar in 3rd grade and I found it to be too much. They were charged for water (so, if they wanted to use the water fountain OR fill their water bottle OR even bring a water bottle they had to pay). He also had to pay for garbage disposal and going to the bathroom. He ended up ...
by StillTired
Fri Jul 27, 2012 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Fees
Replies: 6
Views: 834

Re: Fees

Thank you.

Do you have any idea why the fund administor would charge such vastly different fees for the different funds (I saw from .02 to .67).

Thanks again!
by StillTired
Fri Jul 27, 2012 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Fees
Replies: 6
Views: 834

Fees

I'm sure this is a very obvious question, but I am just trying to put together all my information before I ask my *actual* questions I was looking at a Fidelity 401(k) account and noticed that when I went to Expenses & Fees that different funds/investments reported it differently. For example, t...
by StillTired
Fri Jul 27, 2012 8:56 am
Forum: Personal Finance (Not Investing)
Topic: How to determine tax bracket
Replies: 14
Views: 1468

Re: How to determine tax bracket

You'll need to know your Taxable Income, but if you do, you can just fill it into here and find out what bracket you are in:

http://www.moneychimp.com/features/tax_brackets.htm

Your tax bracket is whatever rate your *last* dollar is taxed at.