Search found 1513 matches

by EnjoyIt
Thu Feb 20, 2014 3:32 pm
Forum: Investing - Theory, News & General
Topic: splitting bonds
Replies: 8
Views: 933

splitting bonds

Bogleheads, I am looking at a 70/30 portfolio, and find that bonds max out my tax sheltered accounts. Because of this, I find rebalancing much more of a pain. What if I split my bond allocation in half. Keep 15% in a Total Bond Fund in tax sheltered and 15% in Intermediate Term Tax Exempt Fund in ta...
by EnjoyIt
Fri Feb 14, 2014 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Low Debt/Low Income; Looking to get ahead!
Replies: 17
Views: 2916

Re: Low Debt/Low Income; Looking to get ahead!

1) You never mentioned what your monthly expenses are, but having 6 months Emergency fund is a good thing to have and highly recommended. Therefor make your emergency fund that and only that. 2) You can move your assets to Vanguard and bypass the purchase fee. Buying Vanguard funds at Vanguard are f...
by EnjoyIt
Fri Feb 14, 2014 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 9388

Re: Billing for annual physicals

I would just like to note that these sorts of shenanigans occurred BEFORE Obamacare as well. In fact, it happened to me, last year, when I had my non-Obamacare-approved HDHP. Doctors are finding ways to game the system, since they feel that the insurance companies are not paying them enough. Has an...
by EnjoyIt
Tue Feb 11, 2014 2:59 am
Forum: Personal Consumer Issues
Topic: Valentine's Day
Replies: 43
Views: 4011

Re: Valentine's Day

All you practical people fretting about jacked-up Valentine's Day prices ought to remember that when you were courting you didn't hesitate to spend the money to impress your intended other. Why should that change just because you've been married a couple decades? Go ahead, splurge, go for it. You o...
by EnjoyIt
Tue Feb 11, 2014 2:55 am
Forum: Personal Finance (Not Investing)
Topic: Newly Married and Taxed
Replies: 39
Views: 3131

Re: Newly Married and Taxed

Just get a divorce.

You are only committed to each other by as much as you both are willing to commit to each other. You don't need the marriage certificate to love each other and be faithful.
by EnjoyIt
Mon Feb 10, 2014 1:18 pm
Forum: Personal Consumer Issues
Topic: Valentine's Day
Replies: 43
Views: 4011

Re: Valentine's Day

Valentines day is a load of corporate crap. You should not need a special day to tell some one that you love them. You should do it all the time. I am actually surprised that bogleheads would choose to pay the overpriced prices of valentines day. And yes going out to dinner on V-day is the worst day...
by EnjoyIt
Thu Feb 06, 2014 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: How do I choose an accountant?
Replies: 4
Views: 682

Re: How do I chose an accountant?

I have had nothing but trouble with accountants. Maybe it is because I am picky, and "need" to understand what they recommend, but finding someone reliable, honest, and will be timely on filings has been very very hard. Really what I think you are looking for is a tax advisor, someone that will work...
by EnjoyIt
Wed Feb 05, 2014 3:08 am
Forum: Personal Finance (Not Investing)
Topic: $10+ M, age 49, seeking wisdom regarding retirement
Replies: 61
Views: 12474

Re: $10+ M, age 49, seeking wisdom regarding retirement

If diabetes is a concern for you, what are you doing to stop your diabetes? It is interesting you post that particular topic on a financial forum. It must really weigh on you. If you were able to bust your but, work hard, and have such a successful business, then maybe you can now put all that energ...
by EnjoyIt
Sun Feb 02, 2014 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 4401

Re: How much financial support should you give your kids?

Under Accumulator of Wealth I agree, I think you can do a lot of harm giving away money too early. Let them settle into some form of lifestyle. Get jobs, pay rent, start saving themselves. Once they prove some sense of financial maturity and stability you can help them out. I know too many people fr...
by EnjoyIt
Sat Feb 01, 2014 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 13104

Re: What is your definition of "Financially Wealthy?"

You are correct. The better term is "passive income" and I edited my comment above to reflect that.
by EnjoyIt
Sat Feb 01, 2014 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 13104

Re: What is your definition of "Financially Wealthy?"

After decades of working like a slave, saving, doing without, deferring gratification and always paying attention to the costs of daily living, I doubt that I would enjoy spending like DC (after all, the money they spend wasn't earned by them in the first place). I have far too much respect for the...
by EnjoyIt
Sat Feb 01, 2014 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 13104

Re: What is your definition of "Financially Wealthy?"

Financially wealthy is based on your surroundings. You are wealthy when the price of your surroundings are meaningless.

Well to do is having enough money to retire comfortably
by EnjoyIt
Sat Feb 01, 2014 7:35 pm
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 12302

Re: Keurig vs normal coffeemaker?

goodenoughinvestor wrote:Keurig is classic example of convenience trumping quality. The coffee is mediocre but the brewing is quick, easy and "dummy proof."
+1

Just like scotch and wine, quality is really what you are used to. For example, I don't think Starbucks is as good as people make it out to be.

-Beck
by EnjoyIt
Fri Jan 31, 2014 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford this house?
Replies: 63
Views: 6619

Re: Can we/should we afford this house?

BTW, calculate your payments that you will never get anything in return for. Your interest and your property tax. I bet that comes out to close to $100K/year in lost money. Gone forever. FWY, I was in the same boat as you about 2 years ago. I took my girl and me over 1 year to find the house we want...
by EnjoyIt
Fri Jan 31, 2014 3:10 pm
Forum: Personal Consumer Issues
Topic: New car or used car
Replies: 9
Views: 1947

Re: New car or used car

Today, used cars are less affordable compared to 5 years ago. Before it would be easy to pick up a 3 year old CPO car with warranty and 30-40K miles at 45-55% off the original price. Today you are only getting a few thousand off. in 2008-2010 there was a huge drop in new cars being bought. Not to me...
by EnjoyIt
Tue Jan 28, 2014 8:26 pm
Forum: Personal Consumer Issues
Topic: Accounting software for Mac
Replies: 21
Views: 2072

Re: Accounting software for Mac

Quickbooks for Mac gouges Mac users by removing payroll. It forces you to use their online service for $30/month. I have been a quickbooks Pro (windows) user for about 15 years but have not upgraded since quickbooks 2009. If memory serves me, I always had to pay extra for payroll. This is true for ...
by EnjoyIt
Tue Jan 28, 2014 5:14 pm
Forum: Investing - Theory, News & General
Topic: DRIP chart
Replies: 4
Views: 777

Re: DRIP chart

This works. Only goes back to 2000 but interesting to see how investing in total stock VTSAX vs XOM, JNJ, VZ performed during that time. http://quote.morningstar.com/fund/chart.aspx?t=VTSAX®ion=USA&culture=en-US&statePara=%7Bsecurities%3A%5B%7Bn%3A%22Vanguard%20Total%20Stock%20Mkt%20Idx%20Adm%22%...
by EnjoyIt
Tue Jan 28, 2014 4:34 pm
Forum: Personal Consumer Issues
Topic: Accounting software for Mac
Replies: 21
Views: 2072

Re: Accounting software for Mac

No, but it is hard to find. The latest is Q 2007 for Mac. Latest version released 2012 (Q for Lion aka Q for Mac 16.1.4 after updates) Do you have experience with it? Is it as user friendly as the Windows version? I also thought there was a program iMoney or iBank? This is off-topic. This thread is...
by EnjoyIt
Mon Jan 27, 2014 1:30 pm
Forum: Investing - Theory, News & General
Topic: DRIP chart
Replies: 4
Views: 777

Re: Drip chart

How does the value with a DRIP differ from regular reinvesting of dividends? If you are using the DRIP to make additional purchases, I doubt you will find such a chart as the chart won't match your purchases. It's the same thing. I just am looking for a way to calculate those dividends in the asset...
by EnjoyIt
Mon Jan 27, 2014 11:23 am
Forum: Personal Consumer Issues
Topic: Accounting software for Mac
Replies: 21
Views: 2072

Re: Accounting software for Mac

Peachtree is now Sage 50. Sage 50 is windows, as was peachtree. Minimum System Requirements ... Windows® XP SP3, Windows Vista® SP1, Windows® 7, or Windows® 8, with the latest updates from Microsoft installed Ohh. That doesn't help at all then. :( Why does OSX get no accounting love from Intuit. 8-)
by EnjoyIt
Mon Jan 27, 2014 11:22 am
Forum: Investing - Theory, News & General
Topic: DRIP chart
Replies: 4
Views: 777

DRIP chart

Is there a site that will allow me to put in a range date and a stock ticker and allow me to evaluate the value of a stick when DRIP is added to the picture during that time frame?

Maybe my google skills are off but I am having a hard time finding it.

Thanks in advance,
beck
by EnjoyIt
Mon Jan 27, 2014 11:08 am
Forum: Personal Consumer Issues
Topic: Accounting software for Mac
Replies: 21
Views: 2072

Re: Accounting software for Mac

I have 2 MBP's. I have used Parallels VM on one and Boot Camp on the newer one. If you don't want to use QBP, then I was suggest using Peachtree. I am very familiar with both QBP and PT. To me, and I have been in accounting/finance for over 40 yrs, I feel that PT is a much easier software to use. P...
by EnjoyIt
Mon Jan 27, 2014 2:50 am
Forum: Personal Consumer Issues
Topic: How to buy a car.
Replies: 23
Views: 5164

Re: How to buy a car.

I did very similar, but instead had the car built. I contacted dealers with exactly the options I wanted, then had them give me prices, had the car built and shipped, and I picked it up. I actually never saw the salesman or the dealership until I came to pick the car up. The process took longer, but...
by EnjoyIt
Sun Jan 26, 2014 11:58 pm
Forum: Personal Consumer Issues
Topic: Accounting software for Mac
Replies: 21
Views: 2072

Re: Accounting software for Mac

Did you find this when you googled? http://www.macping.com/top-10-best-accounting-software-for-mac-that-you-need-for-your-business-for-maximum-effectivity/ I have no knowledge of any of them, but such a list would be one place to start. Payroll is specifically mentioned for two of them. I did, and ...
by EnjoyIt
Sun Jan 26, 2014 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: How to drop advisor from Schwab acct?
Replies: 11
Views: 1450

Re: How to drop advisor from Schwab acct?

I recently did something similar and it was very easy. You will not need to create a new account, you can just drop the advisor, sell all her assets and then buy whatever you want. Their customer service is very good and they will walk you through it.
by EnjoyIt
Sun Jan 26, 2014 11:22 pm
Forum: Personal Consumer Issues
Topic: Accounting software for Mac
Replies: 21
Views: 2072

Accounting software for Mac

I am a sole proprietor running a business as a LLC taxed as an S-corp. I am looking for decent accounting software for my Mac that also does payroll. Quickbooks is complete trash on the Mac since it does not support payroll on the desktop. They request an expensive online service which I refuse to s...
by EnjoyIt
Sun Jan 26, 2014 10:07 pm
Forum: Personal Consumer Issues
Topic: Effort and how to search for good flight deals
Replies: 19
Views: 3115

Re: Effort and how to search for good flight deals

There is nothing special these days. Prices are about the same no matter where you look. If you plan on flying a lot then getting a frequent flyer program helps. Also Credit Cards from the airlines you plan on using generally remove luggage fees and give you more miles. Flyertalk is a good site if y...
by EnjoyIt
Sun Jan 26, 2014 7:20 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: When a Giant Gain Causes Pain
Replies: 14
Views: 3210

Re: Jason Zweig: When a Giant Gain Causes Pain

I have always found buying very easy. Selling is near impossible
by EnjoyIt
Sun Jan 26, 2014 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Down payment
Replies: 13
Views: 1766

Re: Down payment

Interesting. How is it that people can live in a house for a couple of years (3-5?) and then make 50,000 on it? This is just anecdotal things I've heard from friends, parents, etc. Realistically, I like the flexibility of being able to move fairly quickly (worst case, I'd have to wait a few months ...
by EnjoyIt
Sun Jan 26, 2014 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Down payment
Replies: 13
Views: 1766

Re: Down payment

Unless you can guarantee you will be living in that house for 5-7 years, why even bother buying? It often makes you stuck, and expenses are much more than you originally think they are. Owning a non rental house is not an investment, it is a commitment and "maybe" a place to retain capital as your p...
by EnjoyIt
Sun Jan 26, 2014 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Good sources on doing taxes?
Replies: 51
Views: 3349

Re: Good sources on doing taxes?

Believe it or not, the IRs is very helpful. Feel free to call them if you have any questions. Every time I call they are always very curtious. You can also higher a fee for service guy to review your taxes this year to make sure you did it right. For piece of mind. Then next year, go at it alone. I ...
by EnjoyIt
Sun Jan 26, 2014 12:09 am
Forum: Personal Consumer Issues
Topic: good coffee grinder and roaster
Replies: 19
Views: 2101

Re: good coffee grinder and roaster

Too be honjest when I got my first Burr grinder it revolutionized coffee for me. I had no idea what a good grinder can do, even in a drip machine. For an Espresso it is mandatory. If you don't want to spend a lot of money on an espreso machine, then go for a good grinder and a french press. I did no...
by EnjoyIt
Thu Jan 23, 2014 3:50 pm
Forum: Personal Consumer Issues
Topic: Dating - Best Way of Meeting People
Replies: 70
Views: 5582

Re: Dating - Best Way of Meeting People

Physical chemistry is created in face-to-face communications, not online. Experience helps for both online communications and for in-person encounters, but online experience is not a replacement for physical encounters. If all you want to do is "picking up people" you can learn to do it. The qualit...
by EnjoyIt
Thu Jan 23, 2014 3:21 pm
Forum: Personal Consumer Issues
Topic: Dating - Best Way of Meeting People
Replies: 70
Views: 5582

Re: Dating - Best Way of Meeting People

IMO, what makes online dating hard is you cannot assess chemistry online. In a sense, it's an "unnatural" (excuse the term, but couldn't think of another) way of searching for a mate. It certainly works for some, but can require a tremendous amount of effort - so the efficiency of the approach is o...
by EnjoyIt
Thu Jan 23, 2014 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help me find my number
Replies: 16
Views: 2210

Re: Help me find my number

So calculating "your number" that's 25-35 years away is like trying to hit a bullet with a smaller bullet whilst wearing a blindfold...riding a horse. Maybe, but there is more to life than just saving. There is a balance between putting money away, and spending on experiences, friends, family, or t...
by EnjoyIt
Wed Jan 22, 2014 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay off first and why?
Replies: 19
Views: 2021

Re: Which debt to pay off first and why?

How many student loans is it? Is it one big one or composed of 4 or 5 smaller loans. If its the later, paying off 1 or 2 of these smaller loans quickly gives you breathing room. You need a smaller emergency fund, and you can devote some of that extra money towards other things. Are you maximizing yo...
by EnjoyIt
Tue Jan 21, 2014 4:43 pm
Forum: Investing - Theory, News & General
Topic: Home Equity as "Fixed Income" allocation
Replies: 64
Views: 4808

Re: Home Equity as "Fixed Income" allocation

I feel using a home in AA is improper unless you are willing to rebalance your AA via selling that home or though a second mortgage or HELOC. I do however believe that a home is a "reasonable" place to store some of your wealth as it generally keeps value with inflation over long term. One nice bene...
by EnjoyIt
Tue Jan 21, 2014 3:27 pm
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 197
Views: 19016

Re: What's your dream car?

McLaren MP4-12C Just barely crosses over 3x, but I will put it in anyways

Image

Image
by EnjoyIt
Tue Jan 21, 2014 3:01 am
Forum: Personal Consumer Issues
Topic: Time to buy a new/used car? When to call it quits on a car..
Replies: 22
Views: 2432

Re: Time to buy a new/used car? When to call it quits on a c

In any event, if I were you I'd get rid of it. Audi equal Volkswagon and the parts and expensive and the basically are not well build cars. I had a Volkswagon Passat that I purchased new and it had about 4 recalls for the craziest stuff. Right now Honda and Toyota are offering zero or close to zero...
by EnjoyIt
Mon Jan 20, 2014 3:37 pm
Forum: Personal Consumer Issues
Topic: Time to buy a new/used car? When to call it quits on a car..
Replies: 22
Views: 2432

Re: Time to buy a new/used car? When to call it quits on a c

That is funny. I have a 2003 A6 with 126k miles on it, and I plan to drive it into the ground. There is nowhere I can get a more comfortable car for what I can get for this one. Even if I take into account maintainance.

But in my house we have three cars if this one breaks.
by EnjoyIt
Sun Jan 19, 2014 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Best ways to earn side income?
Replies: 13
Views: 2899

Re: Best ways to earn side income?

-I hear drug dealer is very lucrative (ie: breaking bad) Check out Freakanomics, it turns out that on a per worker basis dealing drugs isn't all that profitable. As others have mentioned, hobbies that turn into businesses seem to be the best for side income. For about two years I was a virtual-comm...
by EnjoyIt
Sat Jan 18, 2014 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best ways to earn side income?
Replies: 13
Views: 2899

Re: Best ways to earn side income?

-part time job in retail. Many will hire someone for nights and weekends since its a tougher slot to fill. -buying and selling on ebay (this involves a lot of time doing research finding lows and highs in products) Buying things at garage sales and craig's list and then reselling on ebay -mowing law...
by EnjoyIt
Fri Jan 17, 2014 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help me think this through
Replies: 13
Views: 1389

Re: Help me think this through

All these Ms are confusing. I can't think anything through
by EnjoyIt
Fri Jan 17, 2014 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Renting Our Starter Home - Pros and Cons
Replies: 31
Views: 4355

Re: Renting Our Starter Home - Pros and Cons

I am risk averse, that's why I would not sell and live in it. If I could, I would make extra payments every month to get myself to 20% and get rid of the PMI. Once established, I would re-evaluate the situation I just hate the idea of something bad happening and being forced to foreclose on 2 homes ...
by EnjoyIt
Fri Jan 17, 2014 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Making $175k/year. What do I do with it all?
Replies: 39
Views: 9646

Re: Making $175k/year. What do I do with it all?

Also, I won't do the broken-record thing and post a link again to the article at my blog that walks you through the steps, but setting your salary high so you can do bigger pension contribution doesn't really work that well if you do the math right.... and it can cost you money. That is correct dep...
by EnjoyIt
Fri Jan 17, 2014 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Making $175k/year. What do I do with it all?
Replies: 39
Views: 9646

Re: Making $175k/year. What do I do with it all?

I think you are confusing an S corp and a C corp. If you have a c-corp you can minimize those taxes by giving yourself a bonus at the end of the year, but that cash you sent over had to first be taxed at the corporate rate 0-50K at 15% 50K-75K at 25% After you pay those taxes, then you send that mon...
by EnjoyIt
Fri Jan 17, 2014 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Renting Our Starter Home - Pros and Cons
Replies: 31
Views: 4355

Re: Renting Our Starter Home - Pros and Cons

That sounds fine and dandy, but what if the house depreciates by 15%? What if on day 25 of ownership the sceptic tank blows or you can't find someone to rent My brain is strongly against leveraging like this because you never know what will happen and can find yourself in a much worse situation wher...
by EnjoyIt
Fri Jan 17, 2014 2:23 pm
Forum: Personal Consumer Issues
Topic: Thinning the Herd - what do you do with unwanted DVDs?
Replies: 69
Views: 5599

Re: Thinning the Herd - what do you do with unwanted DVDs?

Does anyone know how to preserve DVD's into a digital format in a legal way? I have over 400 DVDs that need preservation so that I can watch them when I am old. Since the average cost that I paid for the DVDs was $6, I realize that on the surface, I wasted $2,400. The reason: My wife and I buy a mo...
by EnjoyIt
Fri Jan 17, 2014 3:41 am
Forum: Investing - Help with Personal Investments
Topic: Making $175k/year. What do I do with it all?
Replies: 39
Views: 9646

Re: Making $175k/year. What do I do with it all?

Definitely self incorporate. C or S corp. With a solo 401K You can have employer (you) match up to 25% of your income, plus you can invest your own 17.5K. Then do your HSA, and backdoor Roth if you have cash left over. If you still have more, a taxable account will do. I can see how you feel taxes a...
by EnjoyIt
Fri Jan 17, 2014 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Are we on track for 33?
Replies: 19
Views: 3588

Re: Are we on track for 33?

I am in full agreement regarding paying off that debt quickly. Just want to add a few things. I would actually pay off my student debt before the mortgage for the following reasons. 1) Student loans can't be waived through bankruptcy 2) Mortgage interest is tax deductible 3) The student loan is smal...