Search found 38 matches

by koryg75
Fri May 03, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 28525

Re: 20 countries where 200K in retirement savings will last you decades

After catching up with this thread that got very long suddenly, some thoughts... For some of the “why did they leave that country out?” questions...I think the article stuck to countries that American retirees could conceivably retire to. India, for example, doesn’t give residency to anyone who doe...
by koryg75
Mon Apr 15, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 10307

Re: seriously thinking about leaving S. CA but where to?

Not sure if you are Medicare eligible yet, but what about the Mediterranean Coast? If it fits your travel interests it would be wonderful until you need to pick somewhere in the US. Interesting any particular countries / cities ? Very reasonable housing in Spain and southern France. Expat healthcar...
by koryg75
Mon Apr 15, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 10307

Re: seriously thinking about leaving S. CA but where to?

Not sure if you are Medicare eligible yet, but what about the Mediterranean Coast? If it fits your travel interests it would be wonderful until you need to pick somewhere in the US.
by koryg75
Mon Apr 15, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6738

Re: After financial independence, do you play credit card bonus games?

Yes. Very easy to get at least several thousand per year w/o manufactured spending. Also tax free. And my credit score has never been higher.
by koryg75
Sat Apr 13, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Advise on side gig w2 or independent contractor
Replies: 11
Views: 609

Re: Advise on side gig w2 or independent contractor

As an advanced practice nurse I’m in the same situation. I chose IC because, while it involves a little more hands attention, financially it’s well worth it with the business expenses write offs and the SEP. Now if she or her partner isn’t interested in keeping track of expenses and dealing with qua...
by koryg75
Wed Apr 10, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8445

Re: Are Airport Lounges Worth the Money?

Read an article online about how luxurious some airport lounges can be.....complimentary buffet, full bar, place to take a nap and shower, etc. Lounge access is limited to members of certain credit cards that carry very pricey annual fees ($550 or much higher), elite status with airlines or pay a h...
by koryg75
Wed Apr 10, 2019 1:31 pm
Forum: Investing - Theory, News & General
Topic: Conference call with 3(38) advisor and business manager
Replies: 4
Views: 348

Re: Conference call with 3(38) advisor and business manager

And neither the advisor nor the business manager will answer how the advisor is paid and who covers the administration costs of the plan. To be fair the business manager probably doesn’t know.
by koryg75
Wed Apr 10, 2019 1:14 pm
Forum: Investing - Theory, News & General
Topic: Conference call with 3(38) advisor and business manager
Replies: 4
Views: 348

Conference call with 3(38) advisor and business manager

Hello fellow bogkeheads- A little background- I work for a smaller (about 50-60 members) health care professional company. Currently our 401k is run by a 3(38) advisor at Voya. The fund choices are: American Funds EuroPacific R6 Federtd MDT Small Cap Growth Fund R6 John Hancock Intl Growth Fund R6 J...
by koryg75
Sun Apr 07, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 3062

Re: Eye glasses - cheaper alternates

Very happy with Warby Parker customer service. In February I got my first pair of progressives from them. They were great. One week later I slipped on the ice and smashed them. Oh well. Sucked it up and ordered another pair. This time my vision was not as perfect as the first pair. Called customer s...
by koryg75
Sat Apr 06, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3900
Views: 723600

Re: What's Your Credit Card Rewards Strategy?

Question for the experienced credit card folks: So I got hit with the tax underpayment penalty this year and considering paying estimated quarterly taxes using credit cards. Want to open a couple of new ones to earn bonuses to do that (otherwise it's just not worth it after the fee). Any suggestion...
by koryg75
Thu Apr 04, 2019 1:06 pm
Forum: Investing - Theory, News & General
Topic: Allocation spreadsheet with target date funds
Replies: 2
Views: 247

Allocation spreadsheet with target date funds

Until last year I’ve only had to deal with stock and bond index’s. Unfortunately last year my employer changed 401k plans. The only reasonably priced indexes are the target date funds. Any tips on how to keep track of my overall allocations (5 separate plans between my SO and I) now that I have a ta...
by koryg75
Wed Apr 03, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Delta skymiles Amex gold
Replies: 21
Views: 1467

Re: Delta skymiles Amex gold

[quote=obgraham post_id=4472689 time=<a href="tel:1554270734">1554270734</a> user_id=42510] I've had this card for some years, because Delta goes where we go, and we fly about a half dozen times a year. The free baggage justifies the annual fee for me. But if I didn't use Delta much, I would see no...
by koryg75
Mon Apr 01, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 278
Views: 27710

Re: "The best and worst U.S. states for retirement"

As someone who currently resides in MN i question the sanity of those who compiled the list. The tax burden is crazy, the weather tries to kill you for 8-9 out of 12 months. The MSP metro area is expensive relative to many comparable areas of similar size. I’m baffled.Yes the jobs are plentiful, bu...
by koryg75
Sun Mar 31, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 278
Views: 27710

Re: "The best and worst U.S. states for retirement"

As someone who currently resides in MN i question the sanity of those who compiled the list. The tax burden is crazy, the weather tries to kill you for 8-9 out of 12 months. The MSP metro area is expensive relative to many comparable areas of similar size. I’m baffled.Yes the jobs are plentiful, but...
by koryg75
Wed Feb 20, 2019 10:59 am
Forum: Personal Investments
Topic: solo 401k question
Replies: 3
Views: 238

solo 401k question

I’ve got a solo 401k question. I’m currently working part time at a job with a 401k that I max out. This year I’m planning to start some 1099 work and I’ve formed a solo LLC. The gross income will be between 30-40k from this work. I’d like to open either a SEP or solo 401k through vanguard. If I swi...
by koryg75
Thu Feb 07, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: SW USA vacation spots w/teens. Scottsdale->Grand Canyon->Eastward (Santa Fe?)
Replies: 32
Views: 1669

Re: SW USA vacation spots w/teens (Las Vegas->Grand Canyon->Scottsdale)

We are going to Nevada in March with our 9yo kids. After some research I chose Mystere for a show that will give them a good idea of Vegas shows. It is age appropriate and not horribly expensive (you could spend less but you could also spend a lot more). It’s also right on the strip.
by koryg75
Tue Jan 29, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3900
Views: 723600

Re: What's Your Credit Card Rewards Strategy?

Were I in a United hub city I’d for sure still be hammering the Reserve/Freedom/Ink cards. Alas I’m in a Delta city which isn’t quite as lucrative. But even outside a United hub those Reseve 100,000 UR bonuses got me lots of free travel before the FlyingBlue devaluation nonsense.
by koryg75
Mon Jan 28, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3900
Views: 723600

Re: What's Your Credit Card Rewards Strategy?

I think if you travel internationally the Barclays WorldArrival Mastercard is a good card. Not “straight” 2% back but it gives a little over 2% back when you use it for rebate on travel and no foreign transaction fees. The $89 annual fee is pretty easily negated by the no foreign transaction fees. A...
by koryg75
Fri Jan 25, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Naples, Italy and along Amalfi coast
Replies: 36
Views: 2052

Re: Where to stay in Naples, Italy and along Amalfi coast

I would second the Hotel Piazza Bellini. Walkable to the museum I mentioned as well as several tasty pizzerias. The restaurant next door was very good and offered 20% off the bill to hotel guests.
by koryg75
Fri Jan 25, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Naples, Italy and along Amalfi coast
Replies: 36
Views: 2052

Re: Where to stay in Naples, Italy and along Amalfi coast

If you are into Pompei and pizza Naples is worth an afternoon before you fly out. Naples archeological museum is phenomenal.
by koryg75
Fri Jan 25, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Naples, Italy and along Amalfi coast
Replies: 36
Views: 2052

Re: Where to stay in Naples, Italy and along Amalfi coast

I was in Positano for a week last year and would love to provide feedback if you could provide more i formation. What’s your budget? That’s probably the most important piece of the puzzle. Are you comfortable driving? I you can make the most of your time with a car rather than relying on train sched...
by koryg75
Mon Jan 21, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9498

Re: Grocery shopping strategy

Aldi is fantastic. And their newer stores are even better (more room and and checkout lanes). It’s almost impossible to go over $100 for 1 week of food for my family of 4. Granted we need to get about 10% of our list at another store buts it’s totally worth it.
by koryg75
Sat Jan 19, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 132
Views: 12626

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Even with the addition of fees sites like airbnb have been tremendous for family travel. Getting a home or condo with a ful kitchen and separate bedrooms has been great for my family of four. The cost savings over needing to get multiple hotel rooms (no way would I get a single room with two queen b...
by koryg75
Fri Jan 18, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4962

Re: 11 days in Europe...Budget and logistical advice please

As you may have noticed by the previous replies, it all depends on your personal preference. I’m not sure what your experience is with international or domestic travel so that would help my answer. I’ve found through my own travels I prefer sticking to one region when I go somewhere. I did not enjoy...
by koryg75
Mon Mar 05, 2018 8:06 pm
Forum: Personal Investments
Topic: what to do with 401k? Company dissolving....
Replies: 16
Views: 1830

what to do with 401k? Company dissolving....

My company is dissolving on May 1. Currently my 401k has about 225k. I also have Just over 500k in Vanguard rollover IRA and 50k in a Vanguard brokerage. Obviously I have to roll this one somewhere but my question is where? The easiest would be my current IRA. But would there be an advantage in havi...
by koryg75
Wed May 03, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 38303

Re: Where to Live on $60K or Less a Year?

Take Minneapolis off your list. Our winters are very, very cold and taxes are high. The housing is also surprisingly expensive unless you live several hours from Minneapolis. I can't wait to retire elsewhere.
by koryg75
Sun Jan 22, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Does airline CC make sense if I plan to spend at least $1.5/yr on tickets
Replies: 13
Views: 1904

Re: Does airline CC make sense if I plan to spend at least $1.5/yr on tickets

Airline credit cards are nice if you are checking bags. Saves you $25 per person. Other than that you can do better with cards like the Chase Sapphire Reserve which has no foreign transaction fees, 3x points on all travel and restaurant spend, and gives you 1.5x buying power on the ultimate rewards ...
by koryg75
Sun May 01, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Best High-Yield Online Account for Emergency Fund?
Replies: 28
Views: 5797

Re: Best High-Yield Online Account for Emergency Fund?

I recently switched from Amex saving to ally and have been happy. The main reason was Amex savings limits linked accounts to three. Ally doesn't appear to have a limit.
by koryg75
Sun Mar 27, 2016 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 46761

Re: Liking the new Citi CC at Costco

there is an interesting list of exclusions for the gas rebate. I wonder what they mean by convenience store? seems like a lot of gas stations (kwik trip, holiday) could be a convenience store. I have a feeling it's too good to be true....
by koryg75
Thu Dec 24, 2015 10:09 am
Forum: Personal Investments
Topic: dumb backdoor roth question
Replies: 1
Views: 348

dumb backdoor roth question

I know its dumb but I'm doing this for the first time. I did the $5500 transfer to a traditional IRA. The next day I transferred $5500 to a Roth. Now there is 4 cents sitting in the traditional IRA. Do I just leave it there or was I supposed to transfer the entire amount?
by koryg75
Tue Dec 15, 2015 7:26 am
Forum: Personal Investments
Topic: only boglehead in an s Corp needs help
Replies: 0
Views: 293

only boglehead in an s Corp needs help

I'm the only boglehead in a 6 person s Corp with two benefit eligible employees. we are a professional services anesthesia group. We have a company 401k through benefitguard. The problem: I can't get my partners to contribute more than 10,000 per person into our profit sharing. They would prefer to ...
by koryg75
Wed Nov 11, 2015 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Platinum $450/yr annual fee but 100,000 points
Replies: 57
Views: 16134

Re: Amex Platinum $450/yr annual fee but 100,000 points

I read in the fine print that cash equivalents don't count toward the required spending. Yet I see people mention buying gift cards to make up for lack of spending. Am I missing something?
by koryg75
Fri Sep 11, 2015 3:59 pm
Forum: Personal Investments
Topic: Are 401k fees worth it so I can do Backdoor Roth?
Replies: 6
Views: 511

Re: Are 401k fees worth it so I can do Backdoor Roth?

Thanks for the replies. I'll attempt to clarify: Yes I do max my contributions. I'm currently looking at a 15-20 year investment horizon. The 401k plan is decent in that it has Vanguard Index Admiral shares as options. My current IRA is at Vanguard. I suppose it comes down to the difference in tax g...
by koryg75
Fri Sep 11, 2015 3:02 pm
Forum: Personal Investments
Topic: Are 401k fees worth it so I can do Backdoor Roth?
Replies: 6
Views: 511

Are 401k fees worth it so I can do Backdoor Roth?

I've previously posted on this site and really appreciate the advice. Here is my situation: have about 400k in a traditional IRA and am considering rolling it to my 401k so I can do the Backdoor Roth. The fees for the 401k amount to 0.55% AMU. Over the long haul I'm thinking I'd come out ahead but p...
by koryg75
Sat Sep 05, 2015 7:53 pm
Forum: Personal Investments
Topic: Please confirm steps for backdoor Roth
Replies: 6
Views: 826

Re: Please confirm steps for backdoor Roth

Thanks for the replies everyone. It's correct that I for sure have no other IRA's. Although- does it matter that my wife has one? Its an old high fee one and I keep keep telling her to roll it into her 401k...
by koryg75
Sat Sep 05, 2015 10:49 am
Forum: Personal Investments
Topic: Please confirm steps for backdoor Roth
Replies: 6
Views: 826

Please confirm steps for backdoor Roth

I'm finally going to set up a backdoor Roth. I'd like confirmation that my plan is correct: !. Transfer my current Vanguard IRA to my current 401k 2. After the transfer is complete open a Roth IRA through Vanguard. 3. Make a contribution to my vanguard IRA. 4. The next day transfer from the IRA to t...
by koryg75
Sat Feb 07, 2015 2:09 pm
Forum: Investing - Theory, News & General
Topic: Next decade outlook from Vanguard CEO
Replies: 17
Views: 2913

Re: Next decade outlook from Vanguard CEO

Not only save as much as you can, but pay as little as possible for your investments. Those two things are within our control right now.
by koryg75
Sun Feb 01, 2015 8:55 am
Forum: Personal Investments
Topic: HSA to HSA transfer
Replies: 1
Views: 361

HSA to HSA transfer

Hello all, Long time lurker first time poster... Last year our family had a high deductible plan through my small business. Based on advice here I set up an HSA through ELFCU. This year my wife's employer finally offered insurance that made it advantageous for us to switch to her high deductible pla...