Search found 86 matches

by theDON2050
Mon Jun 18, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 126
Views: 5622

Re: Which Supermarket are you?

Aldi. So cheap and everything is pretty high quality. You have to try Moser Roth dark chocolate with sea salt. It is delicious.
by theDON2050
Mon Jun 18, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 4993

Re: Splurging on the NBA finals

Game three was close enough for me to have hope until Durant hit the dagger from the parking lot.

It will be interesting to see where Lebron goes. Lakers seem to be the favorite but Boston is a sleeper in my book.
by theDON2050
Thu Jun 07, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 4993

Re: Splurging on the NBA finals

Would've been a fun game to go to. Sadly, it looks like this series will be a sweep but we got at least 2 great games out of it.
by theDON2050
Mon Feb 12, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018516

Re: What Movie Have You Recently Watched?

This was posted a few years back in this thread but just a reminder to watch "Hell or High Water". Great movie.
by theDON2050
Sun Feb 11, 2018 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Rollover Options After leaving company
Replies: 2
Views: 209

Rollover Options After leaving company

Hello Everyone, My fiance recently quit her job to go back to school and we were discussing the best options for her 401k (estimated 10k) at her previous employer. We will most likely be filing jointly in 2018 with income around 70k. Is our best bet to transfer it to a Traditional IRA at Vanguard (o...
by theDON2050
Wed Sep 27, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is 529 right for this situation
Replies: 5
Views: 621

Re: Is 529 right for this situation

Why is he/she waiting 3-7 years? I would probably avoid the 529; my assessment without knowing more is the risk of plans changing is greater than the potential tax benefit. Currently in a better paying career but doesn't want to do it for her entire career. It would probably be after we have kids. ...
by theDON2050
Wed Sep 27, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Is 529 right for this situation
Replies: 5
Views: 621

Is 529 right for this situation

Hello Everyone, My spouse is thinking about making a career change and getting into teaching. They would plan going back to school in 3-7 years. We have the cash for this and our retirement accounts are already in place. Would it be prudent to start a 529 account to supplement this future expense? B...
by theDON2050
Wed Sep 27, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 38
Views: 3609

Re: Seattle in 3 days

Gas Works Park is a great place for a picnic if it's warm enough. Overlooks the bay and the city. When I was there 6 years ago, there so many homeless people and needles around, was not worth it. Your other suggestion for Hurricane Ridge is good, but that is quite a trip. I noticed no homeless/need...
by theDON2050
Tue Sep 05, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 38
Views: 3609

Re: Seattle in 3 days

Gas Works Park is a great place for a picnic if it's warm enough. Overlooks the bay and the city.

Obviously the Pike Place Market.

Hurricane Ridge is supposedly gorgeous on a clear day. We didn't go up because it was cloudy.

Sorry only have these for now
by theDON2050
Thu Jul 27, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Should emergency funds be included in AA?
Replies: 45
Views: 3478

Re: Should emergency funds be included in AA?

I do not include it in my asset allocation.

However, at the end of the day, it really super doesn't matter.

Best,
Don
by theDON2050
Sun Jun 18, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 7879

Re: Best Financial Advice from Dad (in honor of father's day)

My dad told me to find a spouse who isn't crazy. Pretty solid indirect financial advice.

A year or so after becoming a boglehead he also told me index funds are probably the way to go.

Don
by theDON2050
Mon Apr 03, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawing Early from Roth without Penalty
Replies: 5
Views: 875

Re: Withdrawing Early from Roth without Penalty

Hello Everyone,

Thank you for the helpful replies. I apologize if my question wasn't specific enough but Spewin seems to have answered exactly what I was asking.

Don
by theDON2050
Thu Mar 30, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawing Early from Roth without Penalty
Replies: 5
Views: 875

Withdrawing Early from Roth without Penalty

Hello All, I feel kinda of silly asking this question but I have searched the internet and this forum and was unable to find an answer. I have a question related to withdrawing principal contributions (money I have put in) from my Roth IRA. I know that you can withdraw contributions penalty free but...
by theDON2050
Thu Mar 09, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Help! Need to refund money in PayPal from Nigeria
Replies: 18
Views: 3343

Re: Help! Need to refund money in PayPal from Nigeria

750 posts on bogleheads but you still need some practice navigating the internet..... I wouldn't mess with overseas craigslist stuff. If paypal doesnt give you your money back just take it as a lesson learned 71 posts on bogleheads but you still need some practice reading..... Haha my bad.. I saw "...
by theDON2050
Wed Mar 08, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Help! Need to refund money in PayPal from Nigeria
Replies: 18
Views: 3343

Re: Help! Need to refund money in PayPal from Nigeria

750 posts on bogleheads but you still need some practice navigating the internet..... I wouldn't mess with overseas craigslist stuff. If paypal doesnt give you your money back just take it as a lesson learned
by theDON2050
Mon Dec 26, 2016 9:29 pm
Forum: Personal Consumer Issues
Topic: Best Ear Buds for Running
Replies: 44
Views: 5216

Re: Best Ear Buds for Running

Follow up to my post above: The Plantronics Backbeat FIT earbud are great. Bluetooth is easy to pair to my phone, they are very comfortable, they will not fall out no or bounce around while running, and surprisingly, they even work well as a Bluetooth headset while on the phone.
by theDON2050
Thu Dec 15, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is it pointless to hold an index fund in a taxable account?
Replies: 7
Views: 1483

Re: Is it pointless to hold an index fund in a taxable account?

It seems like you have a misunderstanding of early withdrawal penalties on Roth's. "Unless an exception applies, most distributions from a Roth IRA before the owner reaches age 59 1/2 will be subject to an "early withdrawal penalty" of 10% on the amount of the distribution. Be very careful NOT to co...
by theDON2050
Sun Dec 04, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Vanguard store - stolen credit card
Replies: 13
Views: 2350

Re: Vanguard store - stolen credit card

I recently received a notification from SwervePoint in the mail related to my credit card being stolen from Vanguardgear.com. Here's an excerpt from the letter I received- "Someone had installed malicious code into its e-commerce platform used on the Vangaurdgear.com The malicious code enabled the u...
by theDON2050
Tue Nov 29, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Best Ear Buds for Running
Replies: 44
Views: 5216

Re: Best Ear Buds for Running

I'm also planning on getting the Plantronics Backbeat FIT earbuds. I'll try to remember to post my review here about running in heavy traffic :beer
by theDON2050
Tue Nov 29, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 58
Views: 13073

Re: Is Quicken Worth it?

Just a reminder that Mint has financial institution type of security. http://bucks.blogs.nytimes.com/2010/07/06/should-you-trust-mint-com/?_r=0 Will Mint stay around forever? I don't know. At the end of the day, if having your passwords saved to Mint makes you worry then you should probably switch t...
by theDON2050
Mon Nov 28, 2016 4:58 pm
Forum: Investing - Theory, News & General
Topic: "Where is the “Sweet Spot” for Passive Investing?"
Replies: 8
Views: 2660

Re: "Where is the “Sweet Spot” for Passive Investing?"

He's gotta get rid of the shirts that have different color collars though... Good article just poking fun :beer
by theDON2050
Wed Nov 02, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Best Ear Buds for Running
Replies: 44
Views: 5216

Re: Best Ear Buds for Running

These headphones work great for me. Extremely comfortable. Especially for those who have big ears like me where the iPhone headphones don't stay in. Price of 14.99 without any shopping around. Very durable for me. Disclaimer: I have not tried many other headphones. http://www.bestbuy.com/site/sony-e...
by theDON2050
Thu Oct 27, 2016 11:39 am
Forum: Investing - Theory, News & General
Topic: Dont invest in 401K
Replies: 42
Views: 5482

Re: Dont invest in 401K

I find this article irresponsible. Filed under garbage click bait. Sure, this guy made tons of money investing in himself but it's absurd if he thinks everyone would be better off by not investing in their 401k.

Don
by theDON2050
Sat Oct 01, 2016 11:50 am
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 17069

Re: Where is Livesoft?

Are you guys conspiracy theorists? I do not think anyone is banning him/her for sarcasm. I love the sarcasm just as much as I love the knowledge obtained from Livesoft's posts.
by theDON2050
Fri Sep 30, 2016 4:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 17069

Re: Where is Livesoft?

haha come on everyone.... It's been 10 days :oops:
by theDON2050
Thu Sep 22, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: Chicago Food/Restaurant Recommendations
Replies: 60
Views: 5305

Re: Chicago Food/Restaurant Recommendations

Au' Cheval in the Loop west of the city. Burgers are very good
by theDON2050
Wed Sep 14, 2016 1:19 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Bank Balance better predictor of happiness than Total Wealth
Replies: 43
Views: 8039

Re: WSJ: Bank Balance better predictor of happiness than Total Wealth

This study is pretty much telling us humans aren't homo-economicus, whereas, I believe most bogleheads are very rational. Full disclosure: stop reading halfway through :)
by theDON2050
Thu Sep 01, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: Can company convert to auto renewal without your permission?
Replies: 13
Views: 1638

Re: Can company convert to auto renewal without your permission?

It does seem to be the norm now. Apple Music, the economist, Harvard business review, and certain apps (I'm sure the list is endless) sign you up for automTic renewals regardless of what you want. For each of those examples you have to go in and unsubscribe yourself.
by theDON2050
Sun Jul 24, 2016 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement for Women(?)
Replies: 34
Views: 4135

Re: Retirement for Women(?)

The Today Show trying to get more viewers by churning out below average material and Jean Schatzky trying to sell to/corner a market

*Reaches for remote and turns off television*
by theDON2050
Fri Jul 15, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Retired a year - big loss [ :) ]
Replies: 25
Views: 5701

Re: Retired a year - big loss [ :) ]

Wow congrats! Keep up the good work :beer
by theDON2050
Wed Jul 06, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Investing Vs Paying off mortgage-blast from the past
Replies: 3
Views: 587

Investing Vs Paying off mortgage-blast from the past

Occasionally I find myself reading something from 6 years ago that's worth sharing. Saw this post from Folioboost and found it to be very well written. Does Folioboost nail this for the most part or is he/she missing something? https://www.bogleheads.org/forum/viewtopic.php?t=59423> by FolioBoost » ...
by theDON2050
Sat Jun 25, 2016 8:07 am
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 14893

Re: Do You See it Now?

With all due respect, I don't see why it's hard to stay the course. Today I sold some bonds (up over 1% today) and bought some equities (way down). I didn't listen to any market prognosticators, because frankly, they never say anything worth listening to. :) Your signature really makes this post pe...
by theDON2050
Fri Jun 24, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: First time home buyer article
Replies: 0
Views: 423

First time home buyer article

Ran across this article earlier. I thought it was a good read for anyone buying a home for the first time or weighing the pros/cons of rent vs buy

http://www.fool.com/investing/2016/06/1 ... house.aspx
by theDON2050
Sat Jun 18, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: College and beyond without a credit card?
Replies: 92
Views: 6409

Re: College and beyond without a credit card?

[/quote] I thought most car rental places won't rent to folks under 25 anyway (unless they have a corporate credit card account in their employer's name.)[/quote] age 21 is the minimum age to rent a car. They do have a surcharge for people who are <25. I had 2 years of college without a credit card,...
by theDON2050
Wed Jun 15, 2016 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 3
Views: 388

Re: Portfolio Review

We have spent the last 2 years cleaning up our retirement portfolio and I think it is to a point where I can share and ask if there is anything that I have failed to see or consider. Questions Nothing too specific, just wanted a more experienced set of eyes to look at where we are and where we are ...
by theDON2050
Wed Jun 15, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 3
Views: 388

Re: Portfolio Review

Are you getting the max on your 401k employer match?
by theDON2050
Sat Jun 11, 2016 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: How much to keep money in bank account?
Replies: 8
Views: 2178

Re: How much to keep money in bank account?

Would it be smart to keep a comfortable amount of money in a online savings account that pays a decent interest rate and transfer when needed? What are the pros and cons to this...like security, reliability, fraud protection, lost password...etc. What's the main thing you're concerned about? I thin...
by theDON2050
Mon Jun 06, 2016 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Mortgage or Taxable Account?
Replies: 18
Views: 2310

Re: Mortgage or Taxable Account?

[/quote]OP has annual salary/commission of 360K. I don't see much reason to have car debt even at 0%. I'm for simplification and fewer bills, so why not just pay it off?[/quote]

That's fair :moneybag :sharebeer
by theDON2050
Sun Jun 05, 2016 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage or Taxable Account?
Replies: 18
Views: 2310

Re: Mortgage or Taxable Account?

I would suggest: a) pay off the car b) invest in taxable c) make some extra mortgage principal payments every month d) Max out both IRA contributions. Note that your coverage by employer plan and high i Why pay off the car loan first when they are borrowing at 0% interest? I understand that some of...
by theDON2050
Mon May 23, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Living without a checking account
Replies: 48
Views: 5225

Re: Living without a checking account

No need for a local checking account. Eventually might want to open an Aly account (or another bank that reimburses fees) if you find yourself paying ATM fees occasionally.

Also, if you open an Ally account, I have deposited checks many times using the smart phone app. It works great.
by theDON2050
Sat May 21, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 6460

Re: Amazon has no head to head competitors?

Jet.com is trying to compete/do the same thing as Amazon. They do not have as large of a selection as Amazon but sometimes items are cheaper. I think their business model will include the yearly fee in the future (similar to Amazon prime and Costco), but Jet does not have one at this time. I have be...
by theDON2050
Fri May 20, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Is my Financial Advisor worth his salt?
Replies: 56
Views: 5199

Re: Is my Financial Advisor worth his salt?

Nowadays I would not invest in a non-deductible traditional IRA unless the contribution could be converted in a short reasonable time to a Roth IRA. Why is that, livesoft? Feel free to pm me if that's preferable to hijacking this thread. Please also tag me on that pm or just hijack the thread. I do...
by theDON2050
Sun May 15, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 28152

Re: Rich But Middle Class

The thought of 950k AGI and thinking your're middle class is mind boggling to me :shock:
by theDON2050
Sun May 15, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off student Loans or invest??
Replies: 12
Views: 1317

Re: Pay off student Loans or invest??

I agree with the previous posters that you should pay off your loans and not worry about retirement for now. 6.7 percent return is higher than you could expect elsewhere. I'd also look into refinancing like Dicast said. Could you find a dentist who owns their own practice and work under them with th...
by theDON2050
Fri May 13, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Best "Life Alert" type device for 98 year old grandparents
Replies: 16
Views: 2019

Re: Best "Life Alert" type device for 98 year old grandparents

I suggest they keep their cell phones with them. This would work for my grandpa but i didn't describe how not well off my grandmother is. After a fall, reaching into her pocket to dial a number would to not be very feasible. As there are two of them hopefully the other would be close if an accident...
by theDON2050
Fri May 13, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: Best "Life Alert" type device for 98 year old grandparents
Replies: 16
Views: 2019

Best "Life Alert" type device for 98 year old grandparents

my grandparents are 98 years old and live on their own. They are reasonably healthy but my mother would like to have them start wearing a device, such as Life Alert, so they call for help in case they fall. My grandpa is frequently out in the yard gardening and doing all sorts of other things so a d...
by theDON2050
Sat May 07, 2016 12:00 am
Forum: Personal Consumer Issues
Topic: How many "subscriptions" do you have?
Replies: 50
Views: 7763

Re: How many "subscriptions" do you have?

I did not know that there are yearly fees associated with some email accounts. Yes, there are. Mine is with usa.net, which is kind of a cool address to have. Problem for me is, I have had it for more than 30 years, I don't want to give it up. I also pay some monthly amount to Google, which gets me ...