Search found 48 matches

by Rondo
Mon Mar 25, 2019 7:39 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs Total Return
Replies: 52
Views: 4618

Re: Dividends vs Total Return

I agree that this seems like more of a religious thing. It’s all about how it makes you feel. I understand the logic of both scenarios, but for some reason I enjoy seeing that monthly or quarterly income and knowing I haven’t sold any shares. I understand the shares may be worth less but I still own...
by Rondo
Mon Mar 25, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Will buying a house jeopardize financial security?
Replies: 57
Views: 3979

Re: Will buying a house jeopardize financial security?

Looking at your savings and investments, the numbers seem low for your income level. Or have you recently began making more income?
by Rondo
Sun Mar 24, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Adjustable dumbbell recommendations
Replies: 65
Views: 3738

Re: Adjustable dumbbell recommendations

If you’re looking to buy dumbbells or weights you can usually find them super cheap on craigslist. A lot of people just want to get rid of that stuff and sell it for pennies on the dollar. One nice option that I do is buy a few sets of cheap dumbbell handles and just build your own with free weights.
by Rondo
Thu Mar 21, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to report my dependent childs Ebay earnings?
Replies: 18
Views: 1476

Re: Do I need to report my dependent childs Ebay earnings?

If that is his only income, he is federally exempt as the income is below the limit even though he is a dependent. If he had other income (wages, investments, etc) that would place him over the limit, then yes it would be reportable. Now state or local income tax is another issue. Depending on if yo...
by Rondo
Sat Mar 09, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 95
Views: 17648

Re: What are your personal experiences with downside of early retirement?

Early retirement can sometimes be lonely because most of your peers are still working and some of them may have younger children as well. It’s not like you can just call someone up and go hang out because they are still doing that daily grind.
by Rondo
Sat Feb 23, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Relocate to Carolinas
Replies: 80
Views: 7472

Re: Relocate to Carolinas

I live outside of Philadelphia and my very best friend moved to Daniel Island South Carolina about two years ago. I visit him twice a year and it is really beautiful there. I have not visited in the summer though. I typically visit in the spring and fall or winter. Daniel Island is a fantastic place...
by Rondo
Thu Jan 10, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Good quality wireless headphones
Replies: 11
Views: 1192

Re: Good quality wireless headphones

I bought my wife a set of the Bose QC25 noise canceling over the ear headphones for Christmas. They weren’t wireless but she didn’t really care about that at the time. She liked them and Bose has always had a fairly good reputation but I did read that some people were having a problem with the left ...
by Rondo
Sun Dec 09, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Christmas Tree Fire: Watered Tree vs. Dry Tree
Replies: 18
Views: 2354

Re: Christmas Tree Fire: Watered Tree vs. Dry Tree

Christmas tree water recipie, all ingredients approximate volume depending on size of container: 1 quart water 1 cup vinegar 1/2 cup sugar 1 copper penny Have used this for years and a real tree lasts a long time. Be sure to cut off the bottom two inches of the trunk immediately prior to submerging...
by Rondo
Tue Sep 18, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1849

Re: Inexpensive source for greeting cards?

Just go to your local Dollar store. The cards are actually 2 for a dollar at mine. I buy a handful just to keep on hand for different occasions.
by Rondo
Sun Dec 03, 2017 10:20 am
Forum: Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 120
Views: 24057

Re: Reached 4M target. Taking money off table. Advice?

I haven't read all the posts in this thread, so excuse me if it was mentioned, but one thing I often don't see referenced when I see people talking about SWR is the fact that depending on how you are invested and the size of your portfolio, the income generated from the portfolio could potentially m...
by Rondo
Fri Nov 17, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 374
Views: 57222

Re: MoviePass-Too good to be true, but it's legit.

How silly. You can buy a ticket at the window early in the day and stay in the theater all day/night and watch as many movies as you want. At some theaters the popcorn refills are free too! :)
by Rondo
Mon Nov 13, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 12819

Re: Thoughts about wearing a "uniform"/same thing everyday?

I have a funny story... my first IT job was as a computer operator. Tasks like loading 40lb cases of greenbar paper into printers, changing ribbons, decollating printed forms and mailers, etc. Needless to say, it was a pretty dirty job and I was able to dress the part. A new company rule comes down ...
by Rondo
Wed Jul 26, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 11957

Re: BMW Z3 or Z4 or nothing at all?

Back in 2010/2011, I purchased a 2007 BMW Z4 roadster. It was a one owner car with about 29,000 miles on it. I kept about 6 years or so until last summer. It was a really fun car that I enjoyed and my wife also really liked it. I put about 3,000 or less miles on it per year and it despite the possib...
by Rondo
Mon Jul 10, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 15865

Re: What do you splurge on?

2017 Corvette Grand Sport convertible.
by Rondo
Mon Jul 10, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Excel 2010 and Windows 7 -- Where to go from here?
Replies: 39
Views: 4241

Re: Excel 2010 and Windows 7 -- Where to go from here?

I think I have everyone beat. I switched to windows 10 about six months ago and I am running office 2000 without any problems.
by Rondo
Thu Dec 22, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: Sling TV
Replies: 28
Views: 3983

Re: Sling TV

I was renegotiating with Comcast in the past, but last month they would not do anything for me. I found out that they will offer you a deal if you are upgrading your service. For example, if you have TV and internet, add on the phone service for the triple play and they will give you a 2-year contra...
by Rondo
Thu Oct 06, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 34130

Re: Side hustle

I consider myself one of the very lucky ones. I had a career in IT as a software engineer since 1990. I decided I wanted to buy a pinball machine about 15 years ago. I bought another and another and learned repair, maintenance and restoration of the machines as a hobby. I decided that pinball repair...
by Rondo
Sat Oct 01, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 18856

Re: What kind of car do Bogleheads like to drive?

We have...

2012 Jeep Wrangler
2014 Dodge Grand Caravan
2017 Corvette Grand Sport

Minivan is most comfortable, Corvette is most fun!
by Rondo
Tue May 24, 2016 6:43 am
Forum: Personal Consumer Issues
Topic: Had a sliding glass door installed in the past 5 or so years? How much...
Replies: 9
Views: 3753

Re: Had a sliding glass door installed in the past 5 or so years? How much...

I can give you a great response as we just had a slider installed in September and better yet, I'm in the Philly burbs as well (Valley Forge)... We didn't want something super expensive as the basic builder grade door that was initially installed when the house was new actually lasted 16 years befor...
by Rondo
Sat Apr 16, 2016 2:57 pm
Forum: Personal Investments
Topic: Aunt has been investing in collectibles for retirement
Replies: 13
Views: 2653

Re: Aunt has been investing in collectibles for retirement

whodidntante wrote:Ouch. It sounds like your aunt is about to start her new business valuing and selling collectibles. This will be time consuming. Don't forget taxes.
This is true, PayPal will send you a 1099 if you send enough business through them.
by Rondo
Sun Apr 10, 2016 11:58 am
Forum: Personal Investments
Topic: Vanguard local office???
Replies: 25
Views: 10348

Re: Vanguard local office???

The Vanguard office is in Malvern,Pennsylvania :happy I live 5 minutes from their Malvern headquarters and they made me mail stuff in when I did an IRA rollover. They do not allow non-employees onto the campus as far as I know. I dropped the mail in the mailbox across the street from their building...
by Rondo
Thu Mar 31, 2016 5:55 am
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 71
Views: 9998

Re: Do you pay for yardwork?

I have almost an acre lot, about 1/4 to 1/3 is what gets mowed. It's $38 per cut with trimming and cleanup. I pay Trugreen a little over $300 to treat the lawn for the whole year package. We have some mulch beds with various shrubs on all sides of the house along with some trees. If I have the lands...
by Rondo
Wed Mar 30, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: I hate monthly payments...
Replies: 25
Views: 5350

Re: I hate monthly payments...

I despise monthly bills myself. I don't have a mortgage or car payments but of course there are living expenses, utilities, etc that you can't avoid. I do have some things that I can pay for in advance for the year and get a discount and I always ask about those deals... Car insurance, I save about ...
by Rondo
Sat Mar 19, 2016 8:25 am
Forum: Personal Investments
Topic: Living off dividend income
Replies: 44
Views: 14062

Re: Living off dividend income

I find the Wellesley fund (VWIAX) to give really nice steady income though dividends and bond interest with generally a decent capital gain at the end of the year. I think it's a well managed fund. I've been quite happy with the returns on the PA LT Tax Exempt muni fund (VPALX). The principal value ...
by Rondo
Fri Mar 18, 2016 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes due to capital gains (MA)
Replies: 7
Views: 1067

Re: Estimated taxes due to capital gains (MA)

We have similar penalty rules in PA. I wouldn't sweat it as the penalty is not huge if you're not grossly underpaying. The last few years I've owed about $1400 at the end of the year and paid about $20 in penalties. I'd rather just pay the penalty instead of having to remember to write a check every...
by Rondo
Sat Oct 31, 2015 9:51 am
Forum: Personal Consumer Issues
Topic: Can anyone help with a mountain bike purchase?
Replies: 29
Views: 2787

Re: Can anyone help with a mountain bike purchase?

I still ride my 1999 Specialized Stumpjumper hardtail. I don't ride anywhere near as much as I used to, but the way I look at it, I spent the time and money way back then doing the upgrades, replacing the weaker components and getting the bike just the way I liked it that there's no reason to upgrad...
by Rondo
Wed Jun 11, 2014 9:33 am
Forum: Personal Investments
Topic: New Investor Needs Help
Replies: 10
Views: 992

Re: New Investor Needs Help

Grt2bOutdoors wrote:What is your tax bracket? Both Wellington and Wellesley are tax in-efficient. Those funds are throwing off taxable income.
Presently looks like we'll be in 15% for 2014. State tax rate in PA is 3%
by Rondo
Wed Jun 11, 2014 8:53 am
Forum: Personal Investments
Topic: New Investor Needs Help
Replies: 10
Views: 992

Re: New Investor Needs Help

Ok, it's been quite a few months since I last posted and I've made quite a few bold changes compared to where I was last year. Just wanted to check in to see if anyone has any input or advice on the decisions I've made and where I'm headed. Most things are the same for me except I'm 43 now and been ...
by Rondo
Wed May 07, 2014 9:23 pm
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 6885

Re: Should I buy a fun car?

Do it! I bought an '07 BMW Z4 about 3 years ago. I have never regretted it. Z4's can be had on the cheap with low mileage as they are typically a 3rd vehicle in a family used on weekends and summer time. Mine only gets about 2,000 miles on it per year. Once a year maintenance and inspection is all i...
by Rondo
Tue Apr 08, 2014 9:58 am
Forum: Personal Investments
Topic: Rolling Fidelity to Vanguard
Replies: 12
Views: 1416

Re: Rolling Fidelity to Vanguard

Wow! I was amazed at how smooth and quick this went. Once I contacted Vanguard, it was about 7 or 8 business days and the transfer was complete. They said it could be 4-6 weeks, so I was floored when I got the e-mail that it was already completed.
by Rondo
Wed Apr 02, 2014 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 5596

Re: Pay Off Mortgage

Pay it off! I'm 43 and paid mine off 6 years ago and I've never regretted doing it. It's a fabulous feeling!
by Rondo
Fri Mar 28, 2014 3:23 pm
Forum: Personal Investments
Topic: Financial Plan from Vanguard?
Replies: 23
Views: 4342

Re: Financial Plan from Vanguard?

Has anyone else received a Financial Plan from Vanguard? 7) Now that I've created this I see that they've created practically the simplest possible plan! Really just three investments! Total Stock Market Index, Total International Stock Index, and Total Bond Market Index! Is this purely mechanical ...
by Rondo
Fri Mar 28, 2014 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Dream Home Construction/Purchase: Need Mortgage Advice
Replies: 20
Views: 2573

Re: Dream Home Construction/Purchase: Need Mortgage Advice

So, your living expenses and taxes eat up almost half of your monthly salary. If you financed only $300K for 30 years with current rates, that would eat up just about the rest of your take home. Don't count on your girlfriend unless she becomes your wife. I'd say you're in over your head with the nu...
by Rondo
Tue Mar 25, 2014 3:00 pm
Forum: Personal Investments
Topic: 25yo, Married, House, Baby, and looking for help!
Replies: 17
Views: 2498

Re: 25yo, Married, House, Baby, and looking for help!

Professor Emeritus wrote:I only ask with a baby on the way if you have adequate life and disability insurance

I agree. Do not delay on this not only because it's important, but the younger you buy life insurance, the cheaper it is.
by Rondo
Tue Mar 25, 2014 2:48 pm
Forum: Personal Investments
Topic: Hypothetically living off investment dividends?
Replies: 34
Views: 4382

Re: Hypothetically living off investment dividends?

Property taxes of 20K? You must live in Jersey! :)

Also, if one spouse works, I assume they'd have some sort of healthcare. Why the 15K in the budget?
by Rondo
Tue Mar 25, 2014 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage Type for 1st-timers: 30-YR Fixed?
Replies: 19
Views: 1807

Re: Best Mortgage Type for 1st-timers: 30-YR Fixed?

I'd say go for the 30. You can always pay extra principal if you want to at any time, but if times get tight, it's nice to know you don't "have" to pay the extra money if you don't have it.
by Rondo
Tue Mar 25, 2014 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Legal recourse for vehicle sold with undisclosed issues?
Replies: 21
Views: 3156

Re: Legal recourse for vehicle sold with undisclosed issues?

How on Earth would you prove "misrepresentation"? There's no way to prove that the seller knew it had an ignition problem. You buy a used vehicle, washing machine or skateboard from a private party... it's yours now. Also, try another mechanic. Maybe your mechanic wants to make a few bucks here too.
by Rondo
Sat Mar 22, 2014 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience pricing yourself out of a neighborhood?
Replies: 15
Views: 3939

Re: Any experience pricing yourself out of a neighborhood?

Don't forget that doing a massive upgrade to the house will certainly ramp up your property tax bill considerably. I'd say give it some time, especially if you're not strapped for space and see if your feelings (or the neighborhood) change.
by Rondo
Fri Mar 21, 2014 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Taxes for Self-employed and Employment Income
Replies: 4
Views: 712

Re: Taxes for Self-employed and Employment Income

On top of the other valid advice, I'll add to be very diligent in record keeping as Schedule C filers are among the most popular folks to be audited.
by Rondo
Fri Mar 21, 2014 10:53 am
Forum: Personal Investments
Topic: Rolling Fidelity to Vanguard
Replies: 12
Views: 1416

Re: Rolling Fidelity to Vanguard

I placed my sell order into a Fidelity MM within the IRA today. Once it goes through, I'll phone Vanguard to get the transfer going. Thanks for the advice guys!
by Rondo
Fri Mar 21, 2014 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Gr vs Vanguard Flagship services
Replies: 3
Views: 1592

Re: Fidelity Private Client Gr vs Vanguard Flagship services

I recently had a Morgan Stanley rep come calling on me. Really nice young guy (about 30) hungry for new clients. Brought out nice color charts, etc. I told him I thought Morgan Stanley was just too expensive for me. He did let me know that he used to work for Vanguard as a Flagship rep for 2 years a...
by Rondo
Thu Mar 20, 2014 4:26 pm
Forum: Personal Investments
Topic: Rolling Fidelity to Vanguard
Replies: 12
Views: 1416

Re: Rolling Fidelity to Vanguard

Ok, I see what you're saying. Just curious as to why it makes a difference?
by Rondo
Thu Mar 20, 2014 11:51 am
Forum: Personal Investments
Topic: Rolling Fidelity to Vanguard
Replies: 12
Views: 1416

Re: Rolling Fidelity to Vanguard

I have funds in a Fidelity Target fund IRA and want to transfer to a Vanguard target fund IRA which I already have open. I'd rather consolidate everything into Vanguard. Not sure what you mean by selling them? Wouldn't that cause a penalty? Or are you meaning sell them into a money market within the...
by Rondo
Thu Mar 20, 2014 7:35 am
Forum: Personal Investments
Topic: Rolling Fidelity to Vanguard
Replies: 12
Views: 1416

Re: Rolling Fidelity to Vanguard

I have all the funds in a single Target 2035 fund, so everything is combined already. Looks like I will initiate the request from Vanguard based on the responses given here. Thanks a bunch! :happy
by Rondo
Thu Mar 20, 2014 7:18 am
Forum: Personal Investments
Topic: Rolling Fidelity to Vanguard
Replies: 12
Views: 1416

Rolling Fidelity to Vanguard

Planning on rolling my Fidelity IRA into my Vanguard IRA. Is it better to initiate this from Fidelity or from Vanguard? Does it matter?
by Rondo
Tue Mar 18, 2014 10:46 am
Forum: Personal Consumer Issues
Topic: Dealer Margin on Trade Ins vs New
Replies: 15
Views: 1665

Re: Dealer Margin on Trade Ins vs New

Yes, a dealer can make more on used cars than new based strictly on the car price. With new cars, they can make money through the finance and service departments or add-ons so they aren't generally concerned with making as much on the actual sale. As far as valuing your trade-in, you can use any of ...
by Rondo
Fri Sep 13, 2013 9:31 am
Forum: Personal Investments
Topic: New Investor Needs Help
Replies: 10
Views: 992

Re: New Investor Needs Help

I don't know that we have a concrete goal or number to reach by any certain age, such as having $3M by age 60 or anything like that as I think it just seems like something you'd pull out of the air. I think what I'd probably be comfortable with is being able to keep maybe $500K in a cash instrument ...
by Rondo
Tue Sep 10, 2013 5:17 pm
Forum: Personal Investments
Topic: New Investor Needs Help
Replies: 10
Views: 992

New Investor Needs Help

Hello everyone! I've just found the Bogleheads in researching the web on what to do with my current situation... I'm 42, married, one son soon to be 13, currently self-employed. I've worked a day job in the tech field for over 20 years. I started a very small company (just me) doing something that I...