Search found 387 matches

by nirvines88
Wed Mar 13, 2013 5:46 am
Forum: Personal Consumer Issues
Topic: Amazon Item Price Change
Replies: 17
Views: 2978

Re: Amazon Item Price Change

Close, but I moved it to Personal Consumer Issues, as it relates to a consumer item. If we were discussing about financing the item (loans, etc.), it might go into personal finance. No big deal. Makes sense, I usually just look at the Bogleheads main page rather than the forum index page, and I did...
by nirvines88
Tue Mar 12, 2013 6:45 pm
Forum: Personal Consumer Issues
Topic: Amazon Item Price Change
Replies: 17
Views: 2978

Re: Amazon Item Price Change

Amazon did away with this policy many years ago, however. At least it's no longer listed. Strange that you were able to take advantage of this still in 2013. Yes, apparently they did away with the policy a while back. Despite reading about the policy cancellation, I did a little additional Googling...
by nirvines88
Tue Mar 12, 2013 6:18 pm
Forum: Personal Consumer Issues
Topic: Amazon Item Price Change
Replies: 17
Views: 2978

Amazon Item Price Change

I think this relates to personal finance, so here goes: Just wanted to give the Bogleheads a heads up on something I found out today. ~25 days ago, I bought a watch from Amazon for $95. Today, I happened to see that the watch price had dropped to $65, a 30% change or so! I called Amazon politely ask...
by nirvines88
Tue Mar 12, 2013 6:32 am
Forum: Personal Finance (Not Investing)
Topic: I despise the Windfall Elimination Provision (WEP)
Replies: 21
Views: 3317

Re: I despise the Windfall Elimination Provision (WEP)

Assuming SS will still be around in some facet, I will be affected by the WEP in the future. I started working at age 16, contributing toward SS since then (age 24 now). I currently teach at a school where I do contribute to SS, and I will likely keep this job for another year or two. After this, I ...
by nirvines88
Mon Mar 11, 2013 4:10 pm
Forum: Personal Consumer Issues
Topic: What % of gross income do you spend on rent/mortgage?
Replies: 132
Views: 10755

Re: What % of gross income do you spend on rent/mortgage?

10% (before taxes, FICA, etc.) of income on rent. This does not include utilities nor internet.
by nirvines88
Mon Mar 11, 2013 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Tax Deferred/Roth Accounts and the Foreign Tax Credit
Replies: 8
Views: 2080

Re: Tax Deferred/Roth Accounts and the Foreign Tax Credit

I held about $12,000 of FTSE All World Ex US this past year, and had a $19 foreign tax credit. I TLHed into FTSE All World Ex US out of Total International.
by nirvines88
Sun Mar 10, 2013 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with a Newbie [Portfolio Help]
Replies: 1
Views: 174

Re: Help with a Newbie [Portfolio Help]

If I was you, was in the 15% bracket, and had the same goal of buying a house, here's what I would do: 1) Fill Roth IRA for 2012, as this window closes in April (April 15th, I believe) 2) Pay off student loans 3) Fill Roth IRA for 2013 4) I-bonds/CDs 5) 403b* *This might be bumped up since you live ...
by nirvines88
Sun Mar 10, 2013 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: My former financial advisor-do I have any recourse?
Replies: 38
Views: 4457

Re: My former financial advisor-do I have any recourse?

I would definitely take some action. If nothing else, send him a letter. Perhaps you should let his response to your letter dictate your next action.
by nirvines88
Fri Mar 08, 2013 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: A Small Experiment [Investing]
Replies: 5
Views: 666

Re: A Small Experiment [Investing]

Keep in mind that you will likely have to pay fees to buy and sell a stock. $7 buying and $7 selling = $14. If this is the case, that means you'll have to earn about 28% just to break even!
by nirvines88
Wed Mar 06, 2013 6:34 am
Forum: Investing - Help with Personal Investments
Topic: Frustrated with the 403b options at my [NJ] school district
Replies: 36
Views: 6503

Re: Venting: Frustrated with the options at my school distri

Keep trying! I will do the same thing when I start teaching at public school. 403b and many 457b plans are notoriously bad. I did have success in getting my private school to switch out of a high cost 401k plan for a SIMPLE IRA, where we get to choose our funds (hello Vanguard!). Most employers are ...
by nirvines88
Sun Mar 03, 2013 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Just finished my 2012 tax return
Replies: 20
Views: 2867

Re: Just finished my 2012 tax return

With all of that said, I am going to really try to never own individual stocks again, because reporting the sale was a huge headache. Umm, if you reinvest dividends in a mutual fund, you'll have the same issue - many different lots, each with a different cost basis. Even if you sell all of it at on...
by nirvines88
Sun Mar 03, 2013 8:35 am
Forum: Investing - Theory, News & General
Topic: What does your international equity allocation look like?
Replies: 66
Views: 4648

Re: What does your international equity allocation look like

Currently all FTSE All-World ex-US Index Fund Admiral (btw, this is the hardest mutual fund name for me to remember). I transferred into this fund when I sold my entire Total International position last year to tax loss harvest. This makes up 15% of my overall portfolio. I hold this in my taxable ac...
by nirvines88
Sun Mar 03, 2013 8:27 am
Forum: Investing - Help with Personal Investments
Topic: What to do with $20k
Replies: 23
Views: 3321

Re: What to do with $20k

-$1000 cash in a savings account I worked a couple days a week in college to pay for all the stuff I needed in college. By stuff, I mean mostly beer. With that being said, I rarely had more than $1,000 in my checking account, and it worked OK for me. If you're not a big spender and have a reliable ...
by nirvines88
Sun Mar 03, 2013 2:49 am
Forum: Personal Finance (Not Investing)
Topic: Saver's Credit - 2012 Taxes
Replies: 5
Views: 1067

Re: Saver's Credit - 2012 Taxes

Did a Traditional to Roth Conversion in 2012: $1,400 (don't think this affects it, but just in case) This does affect your tax liability, because it is income. However, the tax you paid on it got wiped out by the Saver's Credit, so you made a free conversion, which was a great deal. (If you had mad...
by nirvines88
Sat Mar 02, 2013 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Saver's Credit - 2012 Taxes
Replies: 5
Views: 1067

Re: Saver's Credit - 2012 Taxes

Interesting, thanks for the explanation.

I'm 1 year too young for the earned income credit, otherwise I would go for that too.
by nirvines88
Sat Mar 02, 2013 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Saver's Credit - 2012 Taxes
Replies: 5
Views: 1067

Re: Saver's Credit - 2012 Taxes

Yep, looks like I only had about $800 withheld for federal taxes, hence my refund of $800. Woohoo for no federal tax liability? Although I guess I'd rather have a federal tax liability :wink:
by nirvines88
Sat Mar 02, 2013 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Saver's Credit - 2012 Taxes
Replies: 5
Views: 1067

Saver's Credit - 2012 Taxes

Thanks to some old Bogleheads' threads, I recently read about the saver's credit. H&R Block software has told me I do indeed qualify for a saver's credit of $554. However, once this was calculated, my tax refund remained the same, at approximately $800. Is my tax liability already too low for it to ...
by nirvines88
Fri Mar 01, 2013 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 14
Views: 1449

Re: Portfolio Review

1) Load up the IRA with the Vanguard Total Bond fund, then put the Total Stock and International funds in the taxable account. I would still probably have to have some bonds in the taxable just cause my IRA is such a small part of my portfolio right now, but I think this would make the most sense t...
by nirvines88
Fri Mar 01, 2013 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help / Design
Replies: 3
Views: 800

Re: Portfolio Help / Design

Your portfolio formatting was a bit quirky, but it looks like you've made a wise decision to move to Vanguard. Have you read about the 3 fund portfolio? Might be a good plan to implement at Vanguard. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 http://www.bogleheads.org/wiki/Three-fund...
by nirvines88
Fri Mar 01, 2013 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 14
Views: 1449

Re: Portfolio Review

10% State (I believe – double checking this) State of Residence: NC http://www.dor.state.nc.us/taxes/individual/rates.html It's bad here in NC, but not quite that bad! :D Age: 22 Current Assets (Mid Six Figures) Lots of money for your age! If you take a few easy steps, and don't mess anything up, y...
by nirvines88
Fri Mar 01, 2013 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lowers Fees
Replies: 16
Views: 2057

Re: Vanguard Lowers Fees

Sweet, FTSE All world ex US went down .03%!
by nirvines88
Thu Feb 28, 2013 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a Roth IRA Where to begin
Replies: 4
Views: 1055

Re: Starting a Roth IRA Where to begin

At 90k income you may want to use a Traditional IRA, especially if you're in a state with a high state income tax. I would open a Vanguard Target Retirement Date fund, such as Vanguard Target Retirement 2055. It includes a mixture of Total Stock Market, Total International, and Total Bond Market. Th...
by nirvines88
Thu Feb 28, 2013 5:33 pm
Forum: Personal Consumer Issues
Topic: Dress sock discomfort!
Replies: 18
Views: 3358

Re: Dress sock discomfort!

I prefer long black running socks. I can't stand normal dress socks. Leg hair gets caught in them and they also slide down, not the best combination!
by nirvines88
Wed Feb 27, 2013 10:58 am
Forum: Personal Consumer Issues
Topic: Any Experience Selling a Car on [Craigslist]?
Replies: 49
Views: 5157

Re: Any Experience Selling a Car on [Craigslist]?

SC Hoosier wrote:How do you handle the test drive? Do you go with them? Do you hold their credit card as security?
I went with the buyer. He hit about 40 mph in a Walmart parking lot, so buckle up for the ride! :shock:
by nirvines88
Tue Feb 26, 2013 8:37 pm
Forum: Personal Consumer Issues
Topic: Any Experience Selling a Car on [Craigslist]?
Replies: 49
Views: 5157

Re: Any Experience Selling a Car on Graig's List?

Sold one a couple weeks ago, went well. Pros -Lots of quick responses to ad. If initial responses don't work out, you can refresh ad at some point. -Free posting! -Got 4x as much selling it on Craigslist than I would have gotten from the dealer when I bought a new used car. Cons -As expected, lots o...
by nirvines88
Tue Feb 26, 2013 11:20 am
Forum: Investing - Help with Personal Investments
Topic: New investor (few Q's)
Replies: 8
Views: 996

Re: New investor (few Q's)

If that $4,000 coming to you this summer is from earned income (i.e. cash from a job), then open a Roth IRA (can contribute up to $5,500 in 2013) and fill the Roth IRA with a low cost Vanguard Target Retirement Fund, such as Vanguard Target Retirement Fund 2055. This fund holds the Total U.S., Total...
by nirvines88
Sat Feb 23, 2013 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: Lots of Indiv stocks, debt
Replies: 16
Views: 1237

Re: Portfolio Advice: Lots of Indiv stocks, debt

except for the person saying paying down debt is going to somehow reduce your AGI - actually paying down the debt will not affect your AGI whatsoever Which is why it was a question, not a statement :D Luckily, I have no experience with school debt, so I wasn't sure if there was any write off for sc...
by nirvines88
Sat Feb 23, 2013 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: Lots of Indiv stocks, debt
Replies: 16
Views: 1237

Re: Portfolio Advice: Lots of Indiv stocks, debt

Welcome to the forum! Questions: 1. Is there a better plan to sell the individual stocks, Boeing shares in particular, for tax purposes? I want to use this, once I get married, to pay off the incredibly high interest school loans my girlfriend has. If it was me, I would start selling Boeing immediat...
by nirvines88
Fri Feb 22, 2013 8:51 am
Forum: Personal Finance (Not Investing)
Topic: How much do you spend in a week? (Mon-Sun)
Replies: 50
Views: 4635

Re: How much do you spend in a week? (Mon-Sun)

About $225-250 a week, including gas, food, rent, utilities, phone, going out to bars/entertainment, and car insurance. This does not include retirement contributions nor taxes.
by nirvines88
Wed Feb 20, 2013 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Teacher looking for summer work
Replies: 13
Views: 1079

Re: Teacher looking for summer work

Here's what I have done:

Babysit, tutor, work as a referee, work as a designated driver (interesting job..)

And make lesson plans for the upcoming year
by nirvines88
Wed Feb 20, 2013 6:37 am
Forum: Personal Finance (Not Investing)
Topic: What credit/charge cards do you have in your wallet?
Replies: 114
Views: 69978

Re: What credit/charge cards do you have in your wallet?

Discover with rotating 5% rewards (currently restaurants), 1% cash back on everything else

Thinking about getting another one in the near future, not sure which though!
by nirvines88
Sun Feb 17, 2013 2:02 pm
Forum: Investing - Theory, News & General
Topic: Convincing youngsters to save seriously
Replies: 12
Views: 1555

Re: Convincing youngsters to save seriously

"He that waits upon fortune, is never sure of a dinner." - Poor Richard I actually have a presentation that I show my students that talks about the magic of compounding and general investing knowledge. However, for some people, the theoretical knowledge isn't enough to get them interested. For these...
by nirvines88
Thu Feb 14, 2013 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Help for 25 year old with $20,000 to invest
Replies: 7
Views: 1356

Re: Help for 25 year old with $20,000 to invest

You could put her in a Vanguard target date retirement fund: https://personal.vanguard.com/us/funds/vanguard/TargetRetirementList#targetAnchor I would probably just put the money in the 2050, 2055, or 2060 fund and call it a day. All of these choices are quite aggressive (approximately 90% stocks), ...
by nirvines88
Wed Feb 13, 2013 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a Used Car (any legal advice?)
Replies: 10
Views: 1156

Re: Selling a Used Car (any legal advice?)

Thanks for the advice everyone! I sold my car today and I ended up having the guy sign a generic waiver/bill of sale.

No call about the car breaking down and him not making it home, so I assume he made it! :beer
by nirvines88
Wed Feb 13, 2013 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Selling a Used Car (any legal advice?)
Replies: 10
Views: 1156

Selling a Used Car (any legal advice?)

This week I'm selling a used car that I don't drive anymore. My ad on Craigslist said the car would be sold "as is". Does this clear me of any problems if the car should break down when the guy is driving it home, or a week later? (I don't think it will break down, but you never know!) Also, in term...
by nirvines88
Tue Feb 12, 2013 7:23 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Tracker
Replies: 4
Views: 756

Re: Portfolio Tracker

I use MSN portfolio tracker and no complaints so far. It shows some nice return stats and helps me keep track of the cost basis for my funds. However, I'm sure there's probably better ones out there that show stock/bond %, etc.
by nirvines88
Sun Feb 10, 2013 12:36 pm
Forum: Personal Consumer Issues
Topic: Legos
Replies: 52
Views: 9581

Re: Legos

Some kids like making the specific sets, the ones where the instructions tell you how to make something. Some kids like just taking all the random pieces and building stuff using their own creativity. When I was a kid, I would typically build the set, leave it there for a day or two, and then take i...
by nirvines88
Sat Feb 09, 2013 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: How do things look to you young investors these days?
Replies: 87
Views: 9368

Re: How do things look to you young investors these days?

The future's so bright, I gotta wear shades 8-)
by nirvines88
Sat Feb 09, 2013 7:22 am
Forum: Personal Consumer Issues
Topic: Cheapest way to go from laptop to TV.
Replies: 23
Views: 4456

Re: Cheapest way to go from laptop to TV.

Grasshopper wrote:On older TV's and laptop's its also possible to hook up through a VGA connection, but the picture isn't the best.
I use this setup as well, since my laptop lacks an HDMI port. I combine using a VGA cord and some speakers, which ends up being an OK picture and OK sound. Gets the job done.
by nirvines88
Thu Feb 07, 2013 5:28 pm
Forum: Personal Consumer Issues
Topic: Boglehead Concert Goers?
Replies: 64
Views: 5344

Re: Boglehead Concert Goers?

I saw The Who late last year...the tickets were expensive, but it was worth it. They're getting a bit old, so who knows how much longer they'd be playing.

I see a few local bands here and there too.
by nirvines88
Thu Feb 07, 2013 5:25 pm
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 30722

Re: What % of your income are you saving for retirement?

In 2012 I saved a little over 65% of my pre-tax work salaries (1 full-time job, 1 part-time job). This does not include investment income (which is typically set to reinvest). Maxed out Roth, nearly maxed the 401k (couldn't max because I didn't have access for whole year), and added a bit to taxable...
by nirvines88
Tue Feb 05, 2013 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Long term saving/investing for first home
Replies: 7
Views: 1000

Re: Long term saving/investing for first home

Would purchasing I-bonds be a wise move in this situation? I have been doing a bit of research on them and they seem to be a fairly conservative and risk-free(?) way of investing. I am still a bit confused on how the yield of the I-bonds is set, however... Additionally, am I paid rate of inflation ...
by nirvines88
Mon Feb 04, 2013 10:15 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to go from laptop to TV.
Replies: 23
Views: 4456

Re: Cheapest way to go from laptop to TV.

I've been happy with my Roku so far. It allows you to stream stuff (as long as you have internet), including Netflix, over the TV. Google it!
by nirvines88
Wed Jan 30, 2013 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me make the case for a change in 401(k) options
Replies: 33
Views: 6029

Re: Please help me make the case for a change in 401(k) opti

Also, does contributing to a SIMPLE IRA preclude contributing to a Roth IRA in any way? Nope. I've already maxed out my Roth IRA this year and will max my SIMPLE IRA by May. I would need a lot of help, it seems, understanding how to translate any cost savings the company would encounter from ending...
by nirvines88
Wed Jan 30, 2013 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Please help me make the case for a change in 401(k) options
Replies: 33
Views: 6029

Re: Please help me make the case for a change in 401(k) opti

Ouch. We're 30 people - max - and probably less than 15 of us actually are in the 401(k). (We have some interns, some H1-Bs, and at least one over-59 1/2 VP who proudly declares he's $660k in debt after using everything he had to open a smoothie shop on the side.) So based on this document, we're p...
by nirvines88
Mon Jan 28, 2013 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Yahoo! article recommends refinancing to increase spending
Replies: 3
Views: 514

Re: Yahoo! article recommends refinancing to increase spendi

Quite the opposite to your 4 year payoff plan! Read the article... refinancing part seemed like a good plan until she mentioned she was increasing the duration to 40 years... and that would use the "savings" to spend more... P.S. Go Pack! Was on the court as a student the last time we beat UNC in '0...
by nirvines88
Mon Jan 21, 2013 7:45 pm
Forum: Investing - Theory, News & General
Topic: Contest: provide a better metaphor than "bubble"
Replies: 51
Views: 4655

Re: Contest: provide a better metaphor than "bubble"

[Inappropriate language removed by admin LadyGeek]
by nirvines88
Mon Jan 21, 2013 7:39 pm
Forum: Investing - Theory, News & General
Topic: How much tax advantaged space available?
Replies: 17
Views: 3495

Re: How much tax advantaged space available?

SIMPLE IRA: $12,000
SIMPLE IRA match: $120 (1% this year..2% next year..3% the years after that..)
Roth IRA: $5,500

Total: $17,620 (use all)
by nirvines88
Fri Jan 18, 2013 11:30 am
Forum: Investing - Theory, News & General
Topic: Re: Maximum Expense Ratio in your portfolio ...
Replies: 51
Views: 4014

Re: Maximum Expense Ratio in your portfolio ...

MFS Value Fund R1 (MEIGX) 1.71%

It's actually up 6% or so since I started investing in it (a couple of months ago?). Still, 1.71% being the cheapest stock fund in my 401k lineup hurts!

I also use Pimco Total Return Class C with a 1.6% expense ratio or so in my 401k. Ouch!