Search found 77 matches

by veryamusing
Wed Apr 03, 2013 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead like real estate forum
Replies: 22
Views: 4998

Re: Boglehead like real estate forum

Try biggerpockets. Might be something there. Good luck!
by veryamusing
Wed Apr 03, 2013 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA to pay off CC debt
Replies: 57
Views: 13112

Re: Using Roth IRA to pay off CC debt

Old thread, I know.. But I was thinking about it the other day, and I feel like I owe it to anyone who comes across this thread looking to answer the same question. In short, I did it. I cashed out *MY* Roth account to pay off *OUR* debt. And it felt good; I had no regrets. That is, until, we got ba...
by veryamusing
Sat Oct 29, 2011 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: question about homestead exemption(FL)
Replies: 18
Views: 1574

Re: question about homestead exemption(FL)

Hi there! I work for a Florida county property appraiser's office. If you are an owner of the property, and it is your primary residence as of January 1 of the current tax year, then you are eligible. You cannot have a homestead exemption on any other property--on the form it asks if you have any in...
by veryamusing
Sat Sep 25, 2010 9:27 am
Forum: Personal Consumer Issues
Topic: Orlando without theme parks
Replies: 27
Views: 4658

There are lots of fun things to see and do in Orlando outside and away from the parks. Do you have flexibility in terms of where you are staying? The vast majority of hotels you will hear about and research are probably on or near International Drive. As far as I am concerned, no one should have to ...
by veryamusing
Tue Apr 13, 2010 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: which auto liability is better? $100k/300k or $300k/300k?
Replies: 14
Views: 10194

scrabbler1 is correct. 300/300 should be more expensive than 100/300. I work for a small personal injury firm here in Orlando, and can attest that having more converage is never a bad thing. In addition, having a 300/300 makes a lot of sense too. In my experience, the likelihood of injuring a car f...
by veryamusing
Mon Jan 18, 2010 10:31 am
Forum: Personal Finance (Not Investing)
Topic: CC Debt
Replies: 15
Views: 2763

Hey there. See my thread here. Similar discussion. http://www.bogleheads.org/forum/viewtopic.php?t=42566&start=0 I ended up cashing out the Roth IRA in its entirety and paid off the debt. It felt good, and I would do it again, but promised myself then to never be in that situation again. Debt is *no...
by veryamusing
Fri Sep 25, 2009 9:56 am
Forum: Personal Consumer Issues
Topic: Mac vs PC
Replies: 127
Views: 20490

You won't see this in their advertising, but here are many Apple defects: http://appledefects.com/ and if you go on their forums you'll read a lot about people having problems with the software. They're not as squeeky clean as people make them out to be, but they are pretty good (again, as long as ...
by veryamusing
Tue Sep 08, 2009 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA to pay off CC debt
Replies: 57
Views: 13112

celia : I was eligible for the *first* first-time homebuyer tax credit, the one that was essentially an interest-free 15-year $7500 loan. My partner and I split it, $3750 each, and I used mine to pay for tuition, books, and to be quite honest, I don't know what else. But I do know that I *always* u...
by veryamusing
Wed Sep 02, 2009 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA to pay off CC debt
Replies: 57
Views: 13112

Thanks to all of you for the encouragement. Since some of you asked about my and my partner's income, I'll ballpark it for you: ~$65,000 pre-tax. We're both contributing to our 401(k)s up to the company match. I probably should have gotten a loan to buy my car, but the idea of a being saddled with a...
by veryamusing
Wed Sep 02, 2009 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA to pay off CC debt
Replies: 57
Views: 13112

Thanks again to everyone. You've really helped me to understand that this "quick fix" isn't the answer. Just so you know, my debt accounts for $7,156.30, or 70.34% of the total. His debt is the $3,017.33. The $3,030.58 balance at 13.99% is a Pen Fed card jointly held, but the charges were all mine. ...
by veryamusing
Tue Sep 01, 2009 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA to pay off CC debt
Replies: 57
Views: 13112

Using Roth IRA to pay off CC debt

Hi there! So I'll get right to it: I want to empty my Roth IRA to pay off credit card debt. Here are some facts that might help you to understand where I'm coming from: My partner and I are 22 and 23, respectively. I just graduated with a BSBA in Finance with no student loan debt. I paid cash for my...
by veryamusing
Tue Apr 07, 2009 10:23 pm
Forum: Investing - Theory, News & General
Topic: The Housing Helix: Real Estate Appraiser podcast
Replies: 1
Views: 730

Great find! Thanks for the link. :)
by veryamusing
Sat Mar 07, 2009 1:07 am
Forum: Personal Finance (Not Investing)
Topic: 05 Toyota Camry or 02 BMW 325i?
Replies: 50
Views: 12111

05 Toyota Camry or 02 BMW 325i?

Hi all, I am in the market for a new (used) car to replace my dying 95 Acura Legend. I saw two cars today that I really like but can't decide between. They are: 2005 Toyota Camry w/92,212 miles for $8900 2002 BMW 325i w/~78,000 miles for $10,000 They're both in great shape, and the owner of the BMW ...
by veryamusing
Tue Mar 03, 2009 8:47 am
Forum: Personal Investments
Topic: Does Vanguard ever auto liquidate for going below minimum?
Replies: 6
Views: 3713

When I wrote a check from my Prime MM account for the down payment on my house, the balance dipped below $1000. I called Vanguard and the representative said that they sweep once a year in June (I think), but since I have my paycheck direct deposited they wouldn't sweep mine. Your mileage may vary. :)
by veryamusing
Thu Feb 12, 2009 9:00 am
Forum: Personal Investments
Topic: 15K Tax Credit done away with?
Replies: 29
Views: 5457

I think it's garbage. He's right. It is. This is perhaps the biggest waste of money ever. Bernanke tried and failed to get them to buy the "bad assets," and Geithner proposed the same thing, just with a public-private partnership. That's where the true "stimulus" is going to come from. They just ne...
by veryamusing
Thu Feb 12, 2009 8:49 am
Forum: Personal Consumer Issues
Topic: Is iLife '09 Worth the Upgrade from iLife '08?
Replies: 5
Views: 2758

I want it, but wouldn't buy it if I didn't get a large student discount.
by veryamusing
Thu Jan 15, 2009 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Figuring out Car insurance levels
Replies: 10
Views: 2279

Whatever you do, don't drop uninsured/underinsured motorist coverage. In my experience, most drivers are far more likely to have less liability coverage, rather than more.
by veryamusing
Tue Jan 13, 2009 9:14 am
Forum: Personal Consumer Issues
Topic: Question for Trial Lawyers
Replies: 28
Views: 5045

I work with seven PI attorneys here in Orlando. We just brought on an associate about three years out of law school. He had been at two other firms doing insurance defense and transactional work. Anyway, he will be "allowed" to second chair trials when one of his cases is ready to go. At this point,...
by veryamusing
Tue Dec 30, 2008 9:05 am
Forum: Personal Consumer Issues
Topic: Much higher education is a scam
Replies: 99
Views: 17455

I'm a student in Orlando, enrolled for twelve credit hours this upcoming spring semester. The cost? A whopping $1,551.12, or $129.26 per credit hour. [Edit: I should note that I do not receive any financial aid; my parents don't make too much, we just thought we'd save it for other students who may ...
by veryamusing
Mon Dec 08, 2008 9:08 am
Forum: Personal Consumer Issues
Topic: what do boglehead mac owners hate about windows?
Replies: 25
Views: 4278

While I don't have an abject hatred of Windows, Macs offer a simpler, better user experience. When we spend as much time as we do using them, shouldn't we reward ourselves by choosing a pleasing operating system? Something else I've come to rely on is everything just working. I am constantly install...
by veryamusing
Sat Dec 06, 2008 11:52 pm
Forum: Personal Consumer Issues
Topic: Anyone Know of Good Tech Forums?
Replies: 24
Views: 5282

msi wrote:As a mac user though I mostly stick to http://forums.macrumors.com/
*Love* MacRumors! :) Great site.

I regularly visit a small, somewhat active forum of Mac users called AppleNova, but this probably isn't what you're looking for (just a shameless plug).

Ars Technica is great too though.
by veryamusing
Sat Dec 06, 2008 11:47 pm
Forum: Personal Investments
Topic: Graduating soon, what jobs are there in finance?
Replies: 6
Views: 2098

Re: Graduating soon, what jobs are there in finance?

Anyways, I'll be graduating from UCF with a BS in Finance in the Spring, just seeing what the Bogleheads think! Wow, I could've written that myself--I too am graduating from UCF in the spring w/a BSBA Finance. Small world, eh? And I have the same question about what opportunities exist out there fo...
by veryamusing
Thu Dec 04, 2008 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Totally Paperless?
Replies: 87
Views: 23497

I'm now considering the ScanSnap S510 . It looks like a more substantial unit, and it comes with Adobe Acrobat & Rack2-Filer which theoretically will solve my software problem. Ducks: I wanted to relate my experience with the Fujitsu ScanSnap S510. Our law firm recently embraced the paper-LESS move...
by veryamusing
Wed Dec 03, 2008 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Using more than 1 credit card
Replies: 24
Views: 5419

Since the credit crunch has hit, I've heard Clark Howard recommend using idle credit cards at least every 6 months to help keep issuers from closing idle accounts. These credit lines could be cut or closed just like they did with HELOC's if the issuing bank starts getting skittish about the amount ...
by veryamusing
Sat Nov 29, 2008 11:48 pm
Forum: Personal Investments
Topic: When should I sell STAR and buy Tgt Ret 2050 in my Roth?
Replies: 14
Views: 2969

I should have clarified the mortgage situation. I'm technically the co-borrower, and my boyfriend is the borrower. He pays proportionally more based on his higher net income. It's scary not having a safety net, and that's my first priority. As an aside, I believe that being a first-time homebuyer qu...
by veryamusing
Sat Nov 29, 2008 1:03 am
Forum: Personal Investments
Topic: When should I sell STAR and buy Tgt Ret 2050 in my Roth?
Replies: 14
Views: 2969

Thanks to everyone who responded! Your help is greatly appreciated. I thought I might as well make this a full blown portfolio help thread, so here goes... No emergency fund. Debt: Revolving credit that I pay off monthly (usually about $1,000). $138,560 30-year fixed-rate (6.00%) mortgage--monthly p...
by veryamusing
Fri Nov 28, 2008 1:46 pm
Forum: Personal Investments
Topic: When should I sell STAR and buy Tgt Ret 2050 in my Roth?
Replies: 14
Views: 2969

When should I sell STAR and buy Tgt Ret 2050 in my Roth?

I opened a taxable account at Vanguard on April 1, 2008 and bought into the STAR Fund. To date, my cost basis is a short-term loss of $421.64. The market value is $1,243.60. Presumably, this will become a long-term loss as of April 1, 2009. I still need to contribute $1,346.11 to max out my Roth (Tg...
by veryamusing
Tue Nov 11, 2008 9:05 am
Forum: Personal Finance (Not Investing)
Topic: XX
Replies: 26
Views: 5193

If what you say is true, then I would take your poker playing experiences and write a dissertation relating them to finance. Talk about probabilities, risk/reward, etc. Present that to potential employers, or at least bring it up somehow and talk about what you've learned playing poker. Like another...
by veryamusing
Fri Nov 07, 2008 7:48 am
Forum: Personal Finance (Not Investing)
Topic: 18 Year Old With a Big Dream
Replies: 34
Views: 7562

Congratulations! You've done well for yourself already, and from your post it sounds like you'll keep on that path for a good long while. My recommendation is to go back to school, preferably spending the first two years at a community college. If I were you (and I wish I had done this), I would sta...
by veryamusing
Thu Oct 23, 2008 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Telephone Savings?
Replies: 18
Views: 4373

You, my friend, need a magicJack! (Hint: Google is your friend.)

Good luck, and let us know what you decide! :)
by veryamusing
Wed Oct 08, 2008 11:51 am
Forum: Personal Investments
Topic: What to do if fund in taxable goes below $3000 minimum?
Replies: 15
Views: 3740

Hey, longjohnsilver. A few weeks back I called Vanguard to find out the same thing. I cannot recall exactly when they review low balance accounts, but it wouldn't hurt to give them a call. (My situation was somewhat different because I have my paychecks direct deposited into my Prime MM acct.)
by veryamusing
Thu Sep 11, 2008 11:08 am
Forum: Investing - Theory, News & General
Topic: Yale: Delayed Gratification, Intelligence Linked
Replies: 34
Views: 7588

Yale: Delayed Gratification, Intelligence Linked

According to a study published in Psychological Science , "[Yale] researchers presented 103 healthy adults a variety of scenarios, all having to do with trading a larger financial reward down the road for a smaller one today. Participants were asked if they would trade $2,000 today for $40,000 in ei...
by veryamusing
Thu Sep 04, 2008 11:52 pm
Forum: US Chapters
Topic: CENTRAL FLORIDA BOGLEHEADS MEETING
Replies: 5
Views: 3114

Adrian:

Did y'all meet in Sarasota as planned?
by veryamusing
Thu Sep 04, 2008 11:39 am
Forum: Personal Consumer Issues
Topic: Which Mac is right for me?
Replies: 18
Views: 6048

Hey, bpbaril ! Congratulations on your very wise decision to buy a Mac! For what it's worth, I bought a 15" PowerBook G4 in July 2005 for $2694! I upgraded the RAM to 1 GB and got a 100 GB hard drive. I also got the upgraded video card. I expect this machine will continue to perform flawlessly for a...
by veryamusing
Wed Sep 03, 2008 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Financial intervention for my parents?
Replies: 6
Views: 2307

Financial intervention for my parents?

I won’t get into too much detail here, but my 55 year old parents have very different ideas about money, which is driving them apart. In essence, my mother is not “gainfully employed,” and yet she’s a relatively big spender; and my father is treading water as best he can to keep a paycheck coming in...
by veryamusing
Wed Aug 20, 2008 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a house?
Replies: 19
Views: 5467

Firstly, thanks to all for your great advice. I'm truly taking it to heart. What if the Orlando job market is terrible for your field? Good point. That's certainly a possibility, and one I haven't overlooked. I'm a finance major, and believe it or not I'm hoping to go into real estate appraisal! I'v...
by veryamusing
Tue Aug 19, 2008 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a house?
Replies: 19
Views: 5467

I'm well aware that it's not a rule everyone *has* to own their own home, but I want to; I'd rather pay my own mortgage, and not my landlord's. The mortgage guy we spoke to said I qualify for a $90,000 mortgage alone, and my boyfriend has a lot higher income. No co-signor. He has more than once ment...
by veryamusing
Tue Aug 19, 2008 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a house?
Replies: 19
Views: 5467

Can we afford to buy a house?

Hello! I’m hoping for other Bogleheads’ opinions regarding whether my boyfriend and I can afford a particular house. I am a student and work part-time, and plan to graduate in May next year; at that time, I expect my income to rise considerably. My average “take-home” is $629.48 every other week. I ...
by veryamusing
Tue Aug 19, 2008 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Florida Prepaid vs. 529 vs. Both?
Replies: 35
Views: 11680

Hey, Halligan ! I just wanted to share that I'm a Florida Prepaid student, and I really think it's the wiser decision. Like you said, you're locking in at today's tuition prices. Not only that, but I've also earned Florida's Bright Futures scholarship, which pays 75% of my tuition at UCF and 100% at...
by veryamusing
Fri Aug 08, 2008 8:04 pm
Forum: Personal Investments
Topic: young investor - where should I start?
Replies: 10
Views: 2928

Re: young investor - where should I start?

Welcome to the forum, bball2012 ! We're glad you're here. Congratulations on being proactive about saving; you're already so far ahead of the game. My parents are going to go in half and half with me on the car so I'm saving $8,000 for that. I've also budgeted $2,000 a year for living expenses. This...
by veryamusing
Fri Aug 08, 2008 12:39 am
Forum: Personal Finance (Not Investing)
Topic: HP 12c vs. HP 10b2
Replies: 12
Views: 14004

I'm a finance major and the HP 10bII has been very highly recommended by all of my professors so far. In fact, I once asked if I should think about upgrading to the 12c, and was told to "run with what I've got" by a CPA/Ph.D. teaching a course entitled Investment Analysis. It's a great little calcul...
by veryamusing
Wed Aug 06, 2008 9:15 am
Forum: Personal Investments
Topic: Vanguard Money Market Question
Replies: 13
Views: 3687

Next time just leave at least $1 in the fund. Because you are flagship, there is no low balance fee. Or you can exchange at least $3,000 from fund A now to re-establish the MM fund. Then exchange $2,999 from MM fund to fund B, leaving $1 in MM to keep it open. This may not apply to Flagship clients...
by veryamusing
Thu Jul 31, 2008 11:21 am
Forum: US Chapters
Topic: CENTRAL FLORIDA BOGLEHEADS MEETING
Replies: 5
Views: 3114

Orlando Boglehead here. Wish I could attend, but I'll be in New York...
by veryamusing
Tue Jun 24, 2008 8:10 am
Forum: Personal Finance (Not Investing)
Topic: can't get straight answers from RE agent re: present value
Replies: 48
Views: 11471

If I were in your position, I'd walk away and hire my own broker, real estate lawyer and mortgage broker. You said above that you don't believe in hiring a professional if you know how to do it yourself, but yet you're asking for advice on an Internet message board. I know that was harsh, but hiring...
by veryamusing
Mon Jun 23, 2008 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Property in NYC
Replies: 79
Views: 18810

Just wanted to say thanks and what an informative post that was, aerofreaky11.

:)
by veryamusing
Mon Jun 23, 2008 11:11 am
Forum: Personal Investments
Topic: Our Roth's are maxed...now what?
Replies: 10
Views: 2400

(Someone on this board once mentioned that a minimum of $1000 must always stay in your PMM account, but do ask.) This is true. I opened a Prime MM account back in April, and confirmed that if the balance falls below $1000, a check for the balance will be mailed to you. Not a bad place to have all o...
by veryamusing
Thu Jun 19, 2008 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Buying Property in NYC
Replies: 79
Views: 18810

Here are two great Web sites that should help you somewhat:

http://www.hsh.com/

https://www.quizzle.com/

Hope this helps!

:)
by veryamusing
Tue Jun 17, 2008 7:41 am
Forum: Investing - Theory, News & General
Topic: Psychology of Investing
Replies: 14
Views: 3195

Paul Farrell has a nice article on the 11 reasons passive investors let Wall Street steal their money called 'Brainwashing 101 for Dummies' (and investors!) Here are a few quotes: 2. Your 'mental accountant' is an embezzler Your brain loves "mental accounting." A dollar looks different "depending o...
by veryamusing
Wed Jun 11, 2008 8:59 pm
Forum: Investing - Theory, News & General
Topic: How To Get Rich
Replies: 86
Views: 28842

RickVN wrote:I wish you were giving brown-bag seminars to all the graduating college students.
As a graduating college student, I do too.

Great list, EmergDoc.

:)
by veryamusing
Wed Jun 04, 2008 11:51 am
Forum: Personal Investments
Topic: Those more fortunate
Replies: 69
Views: 13951

On top of being told to pursue their dreams, most kids aren't given a realistic view of what those dreams will be. I know a number of people who thought they wanted to be one thing, until they actually saw what that career involved and then changed completely. And most people do want to make money,...