Search found 134 matches

by IMD801
Thu Apr 19, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 31879

Re: How old are you and how much do you save for retirement a year

DW and I both in our mid 30s, save about $120,000 per year for retirement
by IMD801
Fri Mar 09, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: What do you pay for your phone/cable/internet? REAL total with tax?
Replies: 48
Views: 3388

Re: What do you pay for your phone/cable/internet? REAL total with tax?

$50.00 real per month for Google Fiber internet

$44.xx real per month for two phones through Republic Wireless

No cable or landline
by IMD801
Thu Dec 21, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63019

Re: Tax Bill Omnibus Thread

Maybe this has been covered, but with the large increase in the standard deduction, does it suddenly make more sense to pay down a mortgage? Previously we were itemizing and the effective mortgage rate was in the 2.x% range. It's hard to argue with a ~4% guaranteed return since we can no longer dedu...
by IMD801
Sun Dec 03, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 747
Views: 214667

Re: Share your net worth progression

Annual update since joining a few years ago:

2008: -150k
2009: -130k
2010: -120k
2011: -100k
2012: -60k
2013: 0
2014: 160k
2015: 340k
2016: 620k
2017: 1M

:beer
by IMD801
Thu Jan 05, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 35816

Re: Whats your number to walk away?

$2.5M to walk away from current job. I would still work but...less. And perhaps for free or very little money.
by IMD801
Tue Nov 22, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 747
Views: 214667

Re: Share your net worth progression

2008: -150k
2009: -130k
2010: -120k
2011: -100k
2012: -60k
2013: 0
2014: +160k
2015: 340k
2016: 620k
by IMD801
Sat Oct 08, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Budget car advice; so so tired of the noise levels
Replies: 75
Views: 10584

Re: Budget car advice; so so tired of the noise levels

If you don't have to drive very long distances every day, a used Nissan Leaf is an outstanding value. It has very low noise around town or on the freeway. One can pick up a low mileage, barely used Leaf for less than $10k that will last years and be almost free to operate.
by IMD801
Tue May 31, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: Are all cable companies horrible from a customer service standpoint?
Replies: 42
Views: 3336

Re: Are all cable companies horrible from a customer service standpoint?

Short answer: yes.

Cable companies rank up (or down) there with auto sales in terms of business ethics and customer service. Normally I'd qualify that with a "in my opinion", but I think this is a fact. :|
by IMD801
Tue May 24, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: Car rental deals
Replies: 14
Views: 1495

Re: Car rental deals

Costco has consistently had the best deals I've found in the last few years.
by IMD801
Mon Feb 22, 2016 2:00 pm
Forum: Investing - Theory, News & General
Topic: My friend "proves" active management works
Replies: 51
Views: 6404

Re: My friend "proves" active management works

Plenty of funds and individual stocks have beat the market in the past. That isn't controversial at all. Ask him how he will identify the investments going forward that will beat the market. He doesn't know because no one does and, statistically, he's much more likely to fail at picking them than to...
by IMD801
Wed Jan 06, 2016 9:10 pm
Forum: Investing - Theory, News & General
Topic: Most Americans are one paycheck away from the street
Replies: 6
Views: 1653

Re: Most Americans are one paycheck away from the street

Nearly half of those with >$75,000 incomes couldn't afford a $500 expense? :confused
by IMD801
Sat Jan 02, 2016 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 14220

Re: Savings % Target 2016?

55% gross.
by IMD801
Sun Dec 20, 2015 3:44 pm
Forum: Investing - Theory, News & General
Topic: When NOT to reinvest dividends/gains
Replies: 30
Views: 4224

Re: When NOT to reinvest dividends/gains

Great replies. I use Capital One Investing (formerly ShareBuilder) for my taxable account. Looks like they have everything.

:beer
by IMD801
Sat Dec 19, 2015 9:37 pm
Forum: Investing - Theory, News & General
Topic: When NOT to reinvest dividends/gains
Replies: 30
Views: 4224

Re: When NOT to reinvest dividends/gains

Is it really complicated to sell shares in a taxable account if you've held them for years and there have been several dividends? I figured all of the needed information would be provided by the broker for tax purposes at year end. Can someone clarify this?
by IMD801
Wed Nov 11, 2015 10:15 am
Forum: Investing - Help with Personal Investments
Topic: (Almost) 2 years on BH, checkup on finances
Replies: 4
Views: 1162

Re: (Almost) 2 years on BH, checkup on finances

Thanks for the replies. I do have HSA access, but I think I'll skip that. RE: estate planning, I'm willing to pay to have this done right but I also like to DIY (I'm aware of some products that help with this). Is a good first step to meet with an attorney who specializes in this? We have discounted...
by IMD801
Tue Nov 10, 2015 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: (Almost) 2 years on BH, checkup on finances
Replies: 4
Views: 1162

(Almost) 2 years on BH, checkup on finances

It's been almost two years since joining here and getting our financial situation in order. Thread in December 2013: https://www.bogleheads.org/forum/viewtopic.php?t=128827 Emergency funds: Three months We have an umbrella policy and full malpractice coverage Debt: 1. Mortgage: $320k at 3.75% (refin...
by IMD801
Thu May 21, 2015 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 747
Views: 214667

Re: Share your networth progression

IMD801 wrote:[My rough numbers:

2008: -150k
2009: -130k
2010: -120k
2011: -100k
2012: -60k
2013: 0
2014: +160k
Update 2015: $340k

Apparently I went into the wrong medical specialty. :shock:
by IMD801
Wed Apr 15, 2015 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to NOT have significant taxable investments?
Replies: 48
Views: 6720

Re: Is it ok to NOT have significant taxable investments?

Most people on this board seem to have significant taxable investments in addition to their investments in tax advantaged accounts. Are there disadvantages to having almost all investments in IRAs, 403b, 401k, both deferred and Roth? These retirement vehicles would be preferable to having $ in taxa...
by IMD801
Sat Mar 14, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Automobile protectants
Replies: 15
Views: 1485

Re: Automobile protectants

As someone who worked for dealerships in the past (luckily not in sales) I can say honestly that "Protection packages" are a scam.
by IMD801
Sat Mar 07, 2015 8:06 am
Forum: Personal Consumer Issues
Topic: "Lifestyles Unlimited" <- Anyone know about them?
Replies: 17
Views: 11809

Re: "Lifestyles Unlimited" <- Anyone know about them?

This is just a more polished version of the "real estate investor seeks trainee, $125k salary" cardboard signs that are stuck all over telephone poles in this country.
by IMD801
Mon Feb 23, 2015 10:42 pm
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 14280

Re: Buy and Hold Forever Stocks

0.2% of my portfolio is Tesla stock, bought somewhat cheaply. That's about all I can muster for buying individual stocks.
by IMD801
Sat Feb 21, 2015 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: The QQQ fund?
Replies: 25
Views: 4919

Re: The QQQ fund?

If, err when, another tech crash happens, I wouldn't want to be holding this.
by IMD801
Mon Feb 16, 2015 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Bond investors...is there a crash on the horizon..!!
Replies: 43
Views: 4606

Re: Bond investors...is there a crash on the horizon..!!

There's a whole pile of "bond bubble" threads going back to around 2010 I just read through the other day. I'm curious what others' thoughts are. Since I don't know the future my AA isn't going anywhere.
by IMD801
Thu Jan 22, 2015 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Yearly Expenses - How am I doing?
Replies: 21
Views: 3304

Re: Yearly Expenses - How am I doing?

Looks good. The fact you even care about your annual spending probably indicates you're doing better than most. :beer
by IMD801
Thu Jan 22, 2015 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Suspend 403b contributions to cancel mortgage insurance?
Replies: 12
Views: 1649

Re: Suspend 403b contributions to cancel mortgage insurance?

Steve, thanks for the reply. It appears that with more equity I'd be eligible for lower rates, but with only about 10% equity and not having PMI this seemed fairly competitive from the few lenders I checked out.
by IMD801
Wed Jan 21, 2015 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park the money for 2-3 months?
Replies: 11
Views: 937

Re: Where to park the money for 2-3 months?

Thanks both. You're not going to make much on it in this short period... what's wrong with where it is now? Nothing wrong, i was just thinking if there are some high dividend ETFs etc that I can invest in so that money is working, even if I take some longer. And move money towards long term investm...
by IMD801
Wed Jan 21, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Suspend 403b contributions to cancel mortgage insurance?
Replies: 12
Views: 1649

Re: Suspend 403b contributions to cancel mortgage insurance?

Thanks for the replies. You all inspired me to check out refinancing. It looks like I can get a 3.7% fixed 15 year conventional mortgage without PMI with a total of about $2,000 in closing costs. This seems like a complete no-brainer as I can shorten the term, save interest, ditch PMI, and not touch...
by IMD801
Sun Jan 18, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Suspend 403b contributions to cancel mortgage insurance?
Replies: 12
Views: 1649

Re: Suspend 403b contributions to cancel mortgage insurance?

Some thoughts of mine: How close to retirement are you? If you are getting a match, I would not give that amount up. We got rid of our PMI by having our property re-assessed. It cost $500. Have you looked into that? Any neighbors with similar houses sell for more lately? Confirm that if you drop yo...
by IMD801
Sun Jan 18, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for baby and one income
Replies: 41
Views: 3680

Re: Preparing for baby and one income

Since your spending is the one thing under your control now: Buy inexpensive baby paraphernalia and try to tune out the baby product industry. Whatever is cheap and functional. The baby simply cannot appreciate a $2,000 mahogany crib and Italian bibs. We spent a lot less than anticipated with this m...
by IMD801
Sun Jan 18, 2015 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Suspend 403b contributions to cancel mortgage insurance?
Replies: 12
Views: 1649

Re: Suspend 403b contributions to cancel mortgage insurance?

The 457 is governmental and the 401 is actually a 401a with employer contribution. I just wrote '401' to emphasize that other non-403b retirement contributions are high.
by IMD801
Sat Jan 17, 2015 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Suspend 403b contributions to cancel mortgage insurance?
Replies: 12
Views: 1649

Suspend 403b contributions to cancel mortgage insurance?

The situation: 30 year fixed mortgage at 4.5% with $340k left to pay and about 10% equity in house. Current monthly mortgage insurance is about $150 (FHA loan). Would it make sense to use $18k/year 403b contribution for a year in order to pay the mortgage down to eliminate this? I would be making ad...
by IMD801
Sat Oct 18, 2014 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 17471

Re: "I've had it" at work - how often

Medicine, mid 30s. Two or three times per month "I've had it" frequency. Not very satisfying work a lot of the time.
by IMD801
Wed Aug 27, 2014 10:35 am
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 5181

Re: What's "The Herd" doing today?

1. Don't buy any securities. Everything is at an all-time high.

Source: people I interact with
by IMD801
Wed Jul 16, 2014 6:21 pm
Forum: Investing - Theory, News & General
Topic: was Bogle right about ETFs?
Replies: 26
Views: 3633

Re: was Bogle right about ETFs?

So lower returns were not a result of using ETFs versus mutual funds per se, but rather from frequent trading and market timing? That's what I got from this.
by IMD801
Tue Jul 15, 2014 11:33 am
Forum: Personal Consumer Issues
Topic: Verbal agreement for yard service gone bad: legal risk?
Replies: 27
Views: 5661

Re: Verbal agreement for yard service gone bad: legal risk?

BigTom wrote:How much did you pay ?
In the parlance of portfolios: high three figures.
by IMD801
Mon Jul 14, 2014 7:13 am
Forum: Personal Consumer Issues
Topic: Verbal agreement for yard service gone bad: legal risk?
Replies: 27
Views: 5661

Re: Verbal agreement for yard service gone bad: legal risk?

I think it's funny that the discussion is all about how he can keep from getting sued for not paying the bill instead of how he can get them to cut his lawn for the rest of the summer since he already paid for it. I thought about this as well. If I were more aggressive I could take them to court to...
by IMD801
Sat Jul 12, 2014 11:15 pm
Forum: Personal Consumer Issues
Topic: Verbal agreement for yard service gone bad: legal risk?
Replies: 27
Views: 5661

Re: Verbal agreement for yard service gone bad: legal risk?

The up front payment was in the hundreds of dollars - just like the previous year for the whole season's worth of lawn care.

There was no memo written on the check.
by IMD801
Sat Jul 12, 2014 11:03 pm
Forum: Personal Consumer Issues
Topic: Verbal agreement for yard service gone bad: legal risk?
Replies: 27
Views: 5661

Re: Verbal agreement for yard service gone bad: legal risk?

Yes, I wrote a check and I can view the scanned image through online banking.

The initial cleanup was basic and we have a small yard. Not nearly enough to justify what I paid up front.
by IMD801
Sat Jul 12, 2014 5:55 pm
Forum: Personal Consumer Issues
Topic: Verbal agreement for yard service gone bad: legal risk?
Replies: 27
Views: 5661

Re: Verbal agreement for yard service gone bad: legal risk?

No reviews or BBB info. Neighbors only used them once for a single job last year. They did do an initial cleanup and cut the grass/edged probably 8 or 9 times. We've used them in past years and paid up front (similar price) with no issues or surprise bills/change in terms. It seems I could use this ...
by IMD801
Sat Jul 12, 2014 3:21 pm
Forum: Personal Consumer Issues
Topic: Verbal agreement for yard service gone bad: legal risk?
Replies: 27
Views: 5661

Verbal agreement for yard service gone bad: legal risk?

In the spring a landscaping company came through our neighborhood to advertise their services. DW and I discussed it and negotiated a verbal agreement for lawn mowing/edging for the year (this is literally the only non-Boglehead thing we do!). I can't say the company seemed very well organized and a...
by IMD801
Mon Jun 23, 2014 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Water/sewer backup coverage: buy or not?
Replies: 33
Views: 27301

Re: Water/sewer backup coverage: buy or not?

$0 deductible for about $80/year for $10,000 coverage. It seemed like an obviously good decision considering the sewage lines are blowing left and right around here.
by IMD801
Sun Jun 22, 2014 9:05 am
Forum: Personal Finance (Not Investing)
Topic: % of expenses in retirement
Replies: 47
Views: 4158

Re: % of expenses in retirement

We don't plan on having a mortgage payment, life insurance, debt payments, or retirement account contributions (obviously) in retirement. Even with travel I expect maybe <60% of pre-retirement expenses.
by IMD801
Sat Jun 14, 2014 5:16 pm
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 8790

Re: What smartphone plan do you use?- off contract

Republic Wireless w/ Moto G phone.

$10/month for unlimited voice and text + wifi data. The Sprint network isn't perfect, but it's good enough.
by IMD801
Sun Jun 08, 2014 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 9430

Re: What are you doing with the market at an all time high?

What if the Dow at 16,924 ends up being the lowest in the next 10 years? It probably won't be, but who knows? No one. AA and automatic investments are going as usual...
by IMD801
Sat Jun 07, 2014 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Advanced Practitioner Rollcall
Replies: 10
Views: 1119

Re: Advanced Practitioner Rollcall

mrehal wrote:physicians are advanced of course, but the term mid-level does not seem to infer the care PAs or NPs provide.
I don't think it was ever meant to imply that.
by IMD801
Sat Jun 07, 2014 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Advanced Practitioner Rollcall
Replies: 10
Views: 1119

Re: Advanced Practitioner Rollcall

Calm Man wrote:Are actual physicians not advanced? I've heard there are turf battles but are physicians uninvolved now?
It's just terminology. I've heard that 'mid-level provider' (referring to PAs or NPs) is not the proper term any longer, though I thought it worked just fine. :confused
by IMD801
Wed Jun 04, 2014 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should I ask for annual raise?
Replies: 20
Views: 1947

Re: Should I ask for annual raise?

Thank you for the replies. I am an employed physician paid via W2. The contract is for one year but expected to renew every year. My concern is that it will be renewed each year at the same base salary since there is no mention of pay increase. There is a bonus based on performance, but I've heard ...
by IMD801
Wed Jun 04, 2014 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I ask for annual raise?
Replies: 20
Views: 1947

Re: Should I ask for annual raise?

1. Yes you should ask for annual COL raises
2. It's not weird that your contract doesn't contain this
by IMD801
Wed Jun 04, 2014 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1million
Replies: 17
Views: 2583

Re: What would you do with 1million

So very tempted to quote Office Space.