Search found 730 matches

by sco
Thu Mar 10, 2016 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Layoff Advice
Replies: 41
Views: 5612

Re: Layoff Advice

Don't sign anything, tell them that you need some time. Negotiate whatever time that you can, without losing the severance..
by sco
Wed Mar 09, 2016 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a house with cash
Replies: 46
Views: 6401

Re: Buying a house with cash

I don't think anyone would argue that keeping your short term (3-5 year) cash in something relatively "safe" is a bad idea...

Whether you should purchase your house outright or mortgage and invest, is really going to come down to your personal preference...
by sco
Sun Mar 06, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much should a 40 year old have saved for retirement?
Replies: 41
Views: 9828

Re: How much should a 40 year old have saved for retirement?

if the country club couple were forced to subsist on 40k per year, they would probably not describe that as "comfortable." They also probably would not describe their current lifestyle as "lavish." I'm not concerned how the current 40 year old defines lavish versus comfortable. I'm interested how m...
by sco
Sun Mar 06, 2016 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does everyone really need to save $1 million for retirement?
Replies: 225
Views: 36206

Re: Does everyone really need to save $1 million for retirement?

If your choice was to retire now & move, or work 15 more years and stay where you are??? Well I think I would consider moving as well, but we all make our own choices...
by sco
Fri Mar 04, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus taxed at 44.46%?
Replies: 39
Views: 8617

Re: Bonus taxed at 44.46%?

We may work at the same company, I got my Bonus today as well.. :)

Figure 40-50% for the cash portion depending on the state you are in and this assumes a 0% 401k contribution on your bonus.. (Assuming you can and do set the bonus contribution separate from your salary contribution.)
by sco
Sun Feb 28, 2016 11:56 pm
Forum: Personal Consumer Issues
Topic: Watching Oscars with kids
Replies: 34
Views: 3868

Re: Watching Oscars with kids

Do you mean that 20k a year I pay for my 5th grader doesn't ensure a profanity free environment???
by sco
Fri Feb 26, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Poor choices in 401ks
Replies: 13
Views: 1672

Re: Poor choices in 401ks

Sure it is common to have high expense funds in a 401k. Stick to the lowest cost Total Market,Bond Market Fund you can purchase,if you are unable to have the options changed. SSGA funds are load funds(not sure if you are paying purchase load in 401k) with above average expense ratios. You may have ...
by sco
Wed Feb 17, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: kitchen remodeling-why is it the norm?
Replies: 95
Views: 10452

Re: kitchen remodeling-why is it the norm?

We just put some money into ours... Why? Well when we bought the house 15 years ago (new build), we couldn't afford to make things the way we wanted. Now we can afford it, and plan to be here at least another 10-15 years (if not longer).... Improving it had nothing to do with "investing" or ROI at t...
by sco
Tue Feb 16, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: When to redeem Defered Stock Compensation?
Replies: 15
Views: 1301

Re: When to redeem Defered Stock Compensation?

Yep, it just sucks to see defered compensation from 4 years ago be down so much... But when its vested, easiest to just be rid of it. And it is up 5% today, so I guess that is good enough..
by sco
Tue Feb 16, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: When to redeem Defered Stock Compensation?
Replies: 15
Views: 1301

Re: When to redeem Defered Stock Compensation?

Same question, only this quarters vested when the stock was trading at a 52 week low.. $20/share off of the Nov 15th price :)

Of course, there is only 44 shares, so it really doesn't matter a whole lot by the time you factor in short term capital gains.
by sco
Tue Feb 09, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: Setting up Internet for a newly constructed house
Replies: 18
Views: 2336

Re: Setting up Internet for a newly constructed house

Even if you are all wireless in the future, you may want to put a hotspot on the 2nd floor/remote corner of your house. In addition, having your main workstation wired is nice. (For example, google fiber runs 1Gbps, but no wireless does yet.).. Also with wireless, the RF spectrum is shared, so if yo...
by sco
Sat Feb 06, 2016 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend 1099's?
Replies: 15
Views: 2977

Re: Netspend 1099's?

Mine arrived today, no indication of Bonuses on teh 1099-INT'ss..

Guess I just needed to be a little more patient.
by sco
Thu Feb 04, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: Purchasing Business Class Tickets
Replies: 37
Views: 4623

Re: Purchasing Business Class Tickets

Just a note, some airlines will only offer Business Class... And on some the Business Class Service will be better than the First class on other carriers.... Seats may or may not be similar..
by sco
Wed Feb 03, 2016 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee Question
Replies: 25
Views: 2256

Re: Trustee Question

Don't you think most young adults will have developed their own personality and way of life by the time they are 35 or 40? Why you would tie up money until they are 60+? .85% wouldn't be so bad if it wasn't for 50 years :)

Just curious as to how to came to that age?
by sco
Wed Feb 03, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Netspend 1099's?
Replies: 15
Views: 2977

Re: Netspend 1099's?

What a helpful reply when you emailed them :)
by sco
Tue Feb 02, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Netspend 1099's?
Replies: 15
Views: 2977

Netspend 1099's?

Has anyone got 1099's from netspend yet? I don't see a way to get the statements off the web, so I assume they are coming via snail mail?

This is my first year with them.
by sco
Wed Jan 27, 2016 11:56 pm
Forum: Investing - Theory, News & General
Topic: Entire Portfolio Expense Ratio
Replies: 41
Views: 3427

Re: Entire Portfolio Expense Ratio

Not 100% how to do the math. Pretty sure I am at .06 or .07% I'm going to leave out the accounts that are less than 3% of the total, but those are Vanguard indexes as well.. I have also simplified the named for several reasons. Name Expenses % of Portfolio S&P 500 INDEX 0.03% 45% Small Cap Index 0.0...
by sco
Wed Jan 27, 2016 12:46 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade HSA Options
Replies: 18
Views: 3009

Re: TD Ameritrade HSA Options

I've got HSABank and Ameritrade as well. Currently I'm keeping the $5k balance in HSABank and slowly buying TRCVX on Ameritrade. It's no fee though the ER is higher than a Vanguard fund. Will move to more cost effective funds once the balance builds up. Kazper pointed out to me in this thread (http...
by sco
Wed Jan 27, 2016 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Should I leave Ameriprise?
Replies: 58
Views: 7197

Re: Should I leave Ameriprise?

I will consolidate the answers of this board, and myself... I'll make them clear.. 1) Is dropping Ameriprise a "no-brainer"? Yes 2) Any reasons to stay in my situation? No, and not many other situations either 3) What do you think of the funds he has us in? They are crap, absolute crap, but he may o...
by sco
Tue Jan 26, 2016 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade HSA Options
Replies: 18
Views: 3009

Re: TD Ameritrade HSA Options

Pretty sure that I asked this same question this weekend or maybe yesterday :)


Just buy the ETF's occasionally.

I am thinking about making this part of the 'BOND" part of my portfolio, as it won't matter as much if money sits there a couple months before purchasing..
by sco
Tue Jan 26, 2016 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 21
Views: 2041

Re: Asset Allocation

After I got this all figured out 6 months ago, the plan has changed. S&P 500 Index Fund Expense ratio changes to 0.0280%, which is awesome. There are a few funds that I don't use that are being removed. This one that I do use is being removed though. Old Investment Option State Street Russell Small ...
by sco
Mon Jan 25, 2016 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade (In HSA) Investment options
Replies: 16
Views: 1195

Re: TD Ameritrade (In HSA) Investment options

livesoft wrote:
sco wrote:I have 48.11 left after my last VTI purchase.
You could buy a share of VEU.

Or you could have not bought 1 share of VTI (you must wait 30 days now to sell) and instead bought 3 shares of VEA and 1 share of VEU.
Damn you Math...!!!
by sco
Mon Jan 25, 2016 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade (In HSA) Investment options
Replies: 16
Views: 1195

Re: TD Ameritrade (In HSA) Investment options

I have 48.11 left after my last VTI purchase.
by sco
Mon Jan 25, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Traveling to Vegas soon. Advice or Suggestions?
Replies: 24
Views: 2456

Re: Traveling to Vegas soon. Advice or Suggestions?

Ignore the timeshares and see some good shows. Not all are stupid expensive, but most are pretty good. And go on the Damn Tour Some of our favorites Blue Man group (expensive) Penn & Teller CarrotTop (I didn't want to go, but the tickets were almost free) It ended up being a good show... Waste of ti...
by sco
Mon Jan 25, 2016 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade (In HSA) Investment options
Replies: 16
Views: 1195

Re: TD Ameritrade (In HSA) Investment options

Yeah, I'd really like 100% of what goes in to just fire of a purchase of the ETF, but I don't see a way to do that.
by sco
Mon Jan 25, 2016 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade (In HSA) Investment options
Replies: 16
Views: 1195

TD Ameritrade (In HSA) Investment options

I am sending the overage (everything above a certain amount) of my HSA into a TD Ameritrade account. HSA is HSABank. They do have some no fee ETF's that are similar to Vanguard options. However logging in and purchasing every 2 weeks is not desirable to me. Does anyone know of any Mutual FUNDS at TD...
by sco
Wed Dec 30, 2015 1:08 am
Forum: Personal Consumer Issues
Topic: Price to replace the catalytic converters in a Toyota Highlander
Replies: 50
Views: 6335

Re: Price to replace the catalytic converters in a Toyota Highlander

My son's was stolen about a month or so ago, from the school parking lot. Local shop said $850, I said FU.. Car is worth mayb 3k... Orielly's had a universal model available for $99, after $120 total I had clamps and pipes to make it work. I did however own sockets and a hacksaw, so if you don't own...
by sco
Tue Dec 15, 2015 12:45 am
Forum: Personal Consumer Issues
Topic: Lawn Fertilization and Bug Service
Replies: 13
Views: 1881

Re: Lawn Fertilization and Pest Service

Get some other quotes, it is usually just not worth it to do your own fertilization and weed control. I think that if you do all the "recommended" applications every that this is a true statement. What i have found is that some years get near the recommended requirements, and some years require muc...
by sco
Tue Dec 15, 2015 12:25 am
Forum: Personal Consumer Issues
Topic: March beach vacation idea for family of 5?
Replies: 12
Views: 2362

Re: March beach vacation idea for family of 5?

We are going to Grand Cayman in the timeframe, well below that budget (didn't pay for airfare), and the water is warm. No spring break to worry about, look into just renting a condo or two for the time that you will be there. You can get a place right on the beach cheaper than you can get a hotel. B...
by sco
Fri Dec 04, 2015 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help to pay off home
Replies: 12
Views: 1347

Re: Help to pay off home

Give him experiences, take him to Europe or something he would enjoy, but that he wouldn't treat him himself too...

And get him his own room... (There was another thread on this topic.. )
by sco
Fri Dec 04, 2015 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS
Replies: 49
Views: 5174

Re: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS

Everyone here is going to advise you to not attempt to purchase individual stocks. Unless you dedicate every waking hour to it, you have no chance. Even then over 10-20 years you will be better off with a good low cost fund (more time to enjoy the sports anyway)... It really is that simple, read tho...
by sco
Wed Dec 02, 2015 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 136
Views: 24244

Re: What age did you hit $100,000?

I suppose I would have been 31, the market was very down at that point. Took my first 10 years of working to get there. (House, 2 kids, etc.)

2 years later it was at 200k, 2 years later 300k. Etc.
by sco
Wed Dec 02, 2015 12:57 am
Forum: Investing - Help with Personal Investments
Topic: Couple in 50s need investment help
Replies: 49
Views: 8112

Re: Couple in 50s need investment help

Why would you keep #2 in cash, rather than just pay toward your mortgage?

Once the Mortgage is paid, you will have the cashflow to save up rather quickly and deal with a lot of issues. A case can be made for paying it in full..
by sco
Tue Dec 01, 2015 11:37 pm
Forum: Personal Consumer Issues
Topic: Paying property tax with credit card to reach spending bonus
Replies: 19
Views: 2888

Re: Paying property tax with credit card to reach spending bonus

Buy 4k worth of store gift cards, some of them are even 5-10% off this time of year. It isn't that hard to spend 4k. You are just prepaying some of it.
by sco
Tue Dec 01, 2015 11:27 pm
Forum: Personal Consumer Issues
Topic: Paying property tax with credit card to reach spending bonus
Replies: 19
Views: 2888

Re: Paying property tax with credit card to reach spending bonus

Figure out what the 50k points are worth to you... Ask yourself a couple questions.. Are you going to keep this card? Why? Do you need to spend the points before you cancel? If you aren't keeping it, why are you buying something that can't be returned? Why pay 2.4% when you can just buy something 10...
by sco
Tue Dec 01, 2015 11:06 pm
Forum: Personal Consumer Issues
Topic: Gun Safe Purchase
Replies: 14
Views: 2392

Re: Gun Safe Purchase

Oh. And if you move it yourself, you don't want to do that twice. In 3-5 years you will wish it was bigger. It is amazing the stuff you will find that needs to go in there, not just Guns..
by sco
Tue Dec 01, 2015 10:56 pm
Forum: Personal Consumer Issues
Topic: Gun Safe Purchase
Replies: 14
Views: 2392

Re: Gun Safe Purchase

If you want a cheaper one, find a local Tractor Supply and take your truck. Buy the biggest thing that will fit in your house. THey are much more useful with some shelves in them (which cuts the capacity in 1/2 general.) A 48 Gun safe can hold maybe 10-12 realistic longguns, and have some shelves fo...
by sco
Mon Nov 23, 2015 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Confused widow needs portfolio assistance
Replies: 62
Views: 7122

Re: Confused widow needs portfolio assistance

Oh Dear...... I think that there is a reason that Vanguard has a service for .3% a year. If you let them sort this out for a year or two, while minimizing taxes and telling them that you want a 3 fund portfolio, then you would save money starting year one... By year 3 or 4 you could fire them and ha...
by sco
Thu Nov 19, 2015 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: When to redeem Defered Stock Compensation?
Replies: 15
Views: 1301

Re: When to redeem Defered Stock Compensation?

Thanks, I just wanted to confirm I am not nuts for doing this... At least not completely nuts....
by sco
Thu Nov 19, 2015 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: When to redeem Defered Stock Compensation?
Replies: 15
Views: 1301

Re: When to redeem Defered Stock Compensation?

Hell no I wouldn't have bought company stock with cash. But if it is at a 52 week low and in a pretty obvious repetitive cycle, I wait a bit and get a little more out of it...
by sco
Thu Nov 19, 2015 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: When to redeem Defered Stock Compensation?
Replies: 15
Views: 1301

Re: When to redeem Defered Stock Compensation?

You are both correct, the stocks are partially sold to cover the vested stock which is taxed as income. The only difference is any short term gain from when you get it till it is sold. The number of shares is assigned the day you get the bonus based on the price that day and you $ of deferred stock,...
by sco
Thu Nov 19, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: When to redeem Defered Stock Compensation?
Replies: 15
Views: 1301

When to redeem Defered Stock Compensation?

I get some of my bonus compensation in deferred company stock. Basically a % of the bonus is rolled into stock shares that vest quarterly for the next 4 years. So as long as I retire from or keep working for the company they are deposited into my Fidelity account like clockwork. It isn't a huge amou...
by sco
Thu Nov 19, 2015 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: [Deleted]
Replies: 34
Views: 3690

Re: What to do with $10k bonus

My Bonuses are always about 37.5%. (25% fed + FICA + State ). It is paid in Feb, so they always pull full SS taxes out of it. I guess I just always assumed it was the same for everyone? Obviously some people are in the 15% Fed, or don't have state taxes, etc.
by sco
Thu Nov 19, 2015 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Deleted]
Replies: 34
Views: 3690

Re: What to do with $10k bonus

Do a target date fund, and just keep reading here. After you get that account up to 100k or so, you may decide upon an alternate mix of stock and bonds that you would prefer. If you do, then you can always sell the target date and build your own out of the 3 or 4 fund portfolio... But you could easi...
by sco
Wed Nov 18, 2015 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Deleted]
Replies: 34
Views: 3690

Re: What to do with $10k bonus

It's easy for me to say what I would do, harder to say what YOU should do :) I'd take the 10k and 500/mth and pump it into the E-Fund until I was comfortable with the amount. As soon as that happened that 500 would go to paying down the debt. When the debt is gone that $500 (and previous loan paymen...
by sco
Mon Nov 16, 2015 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Savings planning, max two 401Ks
Replies: 22
Views: 2381

Re: Savings planning, max two 401Ks

If you're going to split bills, then this is going to come up anytime there are changes to income/expenses.

The best thing for both of you, is for both of you to max your 401k.

Adjust whatever your expense sharing arrangement is to accommodate. Or just ACH her some money every payday :)
by sco
Mon Nov 16, 2015 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Moving in with GF
Replies: 31
Views: 3610

Re: Moving in with GF

Exactly how many times has this happened to you in the past?
by sco
Sat Nov 14, 2015 12:30 am
Forum: Investing - Help with Personal Investments
Topic: When should I get rid of this annuity?
Replies: 11
Views: 1831

Re: When should I get rid of this annuity?

There are a lot more than two of us, young and didn't know any better here. I still remember listening to the sales guy complain when I cancelled it, only a year or two in.
by sco
Thu Nov 12, 2015 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old, Portfolio Review
Replies: 5
Views: 1142

Re: 25 Year Old, Portfolio Review

+1 on the above recommendation. You also may have less volatility with those bonds in the taxable account, just in case you start thinking about pulling the money out to cover something in a few years. (House down payment, etc)...