Search found 343 matches

by gnosis
Mon Sep 28, 2009 1:56 pm
Forum: Personal Consumer Issues
Topic: Dexter [spoiler alert]
Replies: 53
Views: 10833

Californication is addictive too. New season premiere came on last night after Dexter.
by gnosis
Wed Sep 23, 2009 7:00 am
Forum: Personal Investments
Topic: Should Roth IRA be opened for the older spouse first?
Replies: 10
Views: 3389

LadyGeek's suggestion of opening up a new thread may be a better way to get more specific advice from experts. Though you probably have to disclose more details. We won't be eligible for Roth in a few years. I'm just packing in the savings into one while I can. Maybe I'll open one in my name this y...
by gnosis
Wed Sep 23, 2009 6:46 am
Forum: Personal Investments
Topic: Should Roth IRA be opened for the older spouse first?
Replies: 10
Views: 3389

LadyGeek wrote:A physician with no retirement account?
We don't have any retirement accounts in my name. They're all under her name so far. Is this potentially a problem?
by gnosis
Tue Sep 22, 2009 8:57 pm
Forum: Personal Investments
Topic: Should Roth IRA be opened for the older spouse first?
Replies: 10
Views: 3389

We just opened our first Roth account last year under my wife who's two years younger than me, and I don't have one set up yet. I just want to do what makes the most sense. Do most married couples split their total Roth IRA funds 50/50 between their two accounts? Another thought... I personally don'...
by gnosis
Tue Sep 22, 2009 7:47 pm
Forum: Personal Investments
Topic: Should Roth IRA be opened for the older spouse first?
Replies: 10
Views: 3389

Should Roth IRA be opened for the older spouse first?

Let's say that a married couple only open one Roth IRA account during their entire life. Since the older spouse would be 59.5 years old first (minimum age to withdraw without penalty), should the Roth be opened in their name so that the funds could be withdrawn sooner than if it were under the young...
by gnosis
Sun Mar 29, 2009 12:04 pm
Forum: Personal Investments
Topic: low interest debt reduction versus portfolio building
Replies: 17
Views: 2628

What is that confusing website all about?
by gnosis
Wed Mar 25, 2009 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Please evaluate my refinancing experience so far...
Replies: 4
Views: 1324

I really can't complain about the rate he's able to get for me. After all, that's really his only job, to get me the best rate. I feel like he got me the best rate, as good as 4.5% with $4700 to close, or 5.0% with $580 to close. However, my main issue with this whole situation is that since I appli...
by gnosis
Tue Mar 24, 2009 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Please evaluate my refinancing experience so far...
Replies: 4
Views: 1324

Please evaluate my refinancing experience so far...

Jan. 2: I submit my refi application to an Upfront Mortgage Broker, after all the reading I did on MtgProfessor.com mid-Jan: I sign a 30-day contract to work with the broker. late-Jan: I pay $325 for an appraisal. I'm delighted that my home value went up 9% since purchasing the home in March 2008, e...
by gnosis
Mon Mar 23, 2009 6:52 pm
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6324

Re: Appreciate some financial advice

Keep scrolling down to the most recent postings for my most updated financial picture Updated! Main updates are: 1. I changed some 401k funds and contributions based on advice I got from here: http://www.bogleheads.org/forum/viewtopic.php?t=26443 2. Almost done with refi to 4.75% on 30-year fixed 3...
by gnosis
Sun Mar 22, 2009 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Refi question
Replies: 2
Views: 964

Here's where I read about 1% orig. fee:

http://www.fatwallet.com/forums/finance ... ?start=180
by gnosis
Sun Mar 22, 2009 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Refi question
Replies: 2
Views: 964

I read someone else's post that PenFed recently (the past few months) added on a 1% origination fee with refi and/or mortgage closing costs (can't remember exactly), so if you didn't pay that 1% when you got on with them last year, consider that you might need to pay this if you want to refi with th...
by gnosis
Sat Mar 14, 2009 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Please read! Need your advice big time!
Replies: 4
Views: 1419

My mother is native Thai. They both have dual US-Thai citizenship. They already purchased a plot of land and have the house designed. They just need the funds to start building now.
by gnosis
Sat Mar 14, 2009 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Please read! Need your advice big time!
Replies: 4
Views: 1419

Please read! Need your advice big time!

You probably won't read another thread like this again on this forum... One year ago my parents helped my wife and I purchased our first home buy loaning us $30k towards down payment. We pay $250/month x 10 years. My parents moved to Thailand 4 years ago and will retire there. They lived and worked ...
by gnosis
Wed Mar 11, 2009 5:45 pm
Forum: Personal Consumer Issues
Topic: Transmission fluid
Replies: 17
Views: 2822

I've never had my VW's tranny "Lifetime Fluid" changed... ever! 125k miles and it runs great. It's a joke that it's called lifetime fluid, but at this point it may actually do more harm than good to change the original fluid after 125k or 7 years. It could be like opening Pandora's Box. If I could d...
by gnosis
Tue Mar 10, 2009 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best car insurance
Replies: 50
Views: 9380

Google your college name plus "alumni insurance discount", e.g. Virginia Tech alumni insurance discount. Your college may offer it and you had no idea. Just to make sure you should call your college's Alumni Relations dept. and ask if they offer any discounts on any auto insurance companies. I'm a V...
by gnosis
Thu Mar 05, 2009 6:41 pm
Forum: Personal Investments
Topic: Profound words from CNBC
Replies: 19
Views: 6192

Munir wrote:The bleeding stops when the patient is dead.

Munir (retired surgeon)
I hope you didn't retire based on your personal experience with this saying.
by gnosis
Tue Mar 03, 2009 4:27 pm
Forum: Investing - Theory, News & General
Topic: Dow Jones on a Logarithmic Scale?
Replies: 14
Views: 8977

CyberBob wrote: the logarithmic scale (which all investment growth charts should use) puts the recent drop more into perspective.
why is it better to refer to the log scale?
by gnosis
Tue Mar 03, 2009 7:14 am
Forum: Personal Finance (Not Investing)
Topic: +$30/month and triple your deductible for better car ins.?
Replies: 16
Views: 3801

Nope. I was young and naive.
by gnosis
Mon Mar 02, 2009 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Deductibles
Replies: 11
Views: 2672

I inspired the OP to start this thread. He he! thanks, I'll be interested to see the replies here as well.
by gnosis
Mon Mar 02, 2009 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: +$30/month and triple your deductible for better car ins.?
Replies: 16
Views: 3801

JDCPAEsq wrote: Another point - why are you paying the premium monthly? You could save quite a bit with an annual premium.
John
I never considered it that much of a difference to pay monthly vs. annually.
by gnosis
Mon Mar 02, 2009 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: +$30/month and triple your deductible for better car ins.?
Replies: 16
Views: 3801

Just curious, what do you all have your deductibles at for collision and comp?
by gnosis
Mon Mar 02, 2009 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: +$30/month and triple your deductible for better car ins.?
Replies: 16
Views: 3801

It's too funny that you mentioned Geico, which was my first insurance company. They absolutely screwed me out of $1,500 in repairs. Their "expert" technician refused to declare that my broken intercooler... located exactly in the area of damage... was caused by the collision and I had to pay for tha...
by gnosis
Mon Mar 02, 2009 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: +$30/month and triple your deductible for better car ins.?
Replies: 16
Views: 3801

+$30/month and triple your deductible for better car ins.?

Right now, I have car insurance with Liberty Mutual, $100 deductible for two cars, for both collision and comprehensive. I could instead go with Amica, a top-rated car insurance company, for about $30 more/month and increasing my deductibles all around to $300, all else being equal. That's about a 2...
by gnosis
Wed Jan 14, 2009 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Which mortgage lender is best?
Replies: 45
Views: 15220

Amerisave doesn't do PA! It's misleading because their drop-down menu shows every state, but after I submitted my application to them and waited several days without a response, they finally responded and said they don't serve PA.
Those freakin idiots. THEN FIX YOUR WEBSITE.
by gnosis
Wed Jan 14, 2009 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Which mortgage lender is best?
Replies: 45
Views: 15220

Via the mtgprofessor website, I used an Upfront Mortgage BROKER and I'm getting a better rate and much lower closing costs than those listed on Amerisave, one of the Upfront Mortgage Lenders. My refi process hasn't finished yet, but so far so good.
by gnosis
Fri Jan 09, 2009 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Refi rep said don't refi at 5%, just keep my 6.5%!
Replies: 2
Views: 1217

Quicken Refi rep said don't refi at 5%, just keep my 6.5%!

I just don't understand. I've been reading about finance... mortgage, refi, investing, etc... for the past 2 years, and the Quicken loan guy just called me back after looking over my current mortgage situation and he told me that I'm better off just sticking with my current mortgage: Lender-paid MI ...
by gnosis
Thu Nov 06, 2008 7:57 am
Forum: Personal Investments
Topic: 401k advice needed. Which funds to choose?
Replies: 7
Views: 2894

Easy Rhino wrote:This probably would have been better if appended to your original topic.

For instance, do you yet have, or soon plan to have, a taxable account for equities?
No, we have no plans in the near future to have a taxable account for equities. Just 401k and our Roths for the next few years.
by gnosis
Wed Nov 05, 2008 1:09 pm
Forum: Personal Investments
Topic: 401k advice needed. Which funds to choose?
Replies: 7
Views: 2894

If you would like to replicate Vanguard Target Retirement funds with 20% bonds, then you could do: 52% Vanguard Institutional Index (VINIX) (0.05%) 4% Vanguard Mid-Cap Index (VIMSX) (0.21%) 8% Vanguard Small-Cap Index (NAESX) (0.22%) 16% Vanguard Total Intl Stock Index (VGTSX) (0.27%) 20% Vanguard ...
by gnosis
Wed Nov 05, 2008 12:55 pm
Forum: Personal Investments
Topic: 401k advice needed. Which funds to choose?
Replies: 7
Views: 2894

If you would like to replicate Vanguard Target Retirement funds with 20% bonds, then you could do: 52% Vanguard Institutional Index (VINIX) (0.05%) 4% Vanguard Mid-Cap Index (VIMSX) (0.21%) 8% Vanguard Small-Cap Index (NAESX) (0.22%) 16% Vanguard Total Intl Stock Index (VGTSX) (0.27%) 20% Vanguard ...
by gnosis
Tue Oct 28, 2008 6:24 pm
Forum: Personal Investments
Topic: 401k advice needed. Which funds to choose?
Replies: 7
Views: 2894

Her 401k = 92%
Her Roth = 8%
by gnosis
Sun Oct 26, 2008 3:40 pm
Forum: Personal Investments
Topic: 401k advice needed. Which funds to choose?
Replies: 7
Views: 2894

401k advice needed. Which funds to choose?

Here's our big picture (age, tax bracket, etc.): http://www.bogleheads.org/forum/viewtopic.php?t=21942 Here's the list of my wife's available funds that she can put in her 401k: Fidelity's Freedom funds, the full variety Fixed Income Vanguard Admiral Treasury Money Market Portfolio PIMCO Stable Valu...
by gnosis
Thu Oct 23, 2008 5:22 pm
Forum: Investing - Theory, News & General
Topic: Roubini Says `Panic' May Force Market Shutdown, Fund Failur
Replies: 102
Views: 19765

Re: Roubini Says `Panic' May Force Market Shutdown, Fund Fai

Roubini is making the most of his 15 minutes of fame. Oct. 23 (Bloomberg) -- Hundreds of hedge funds will fail and policy makers may need to shut financial markets for a week or more as the crisis forces investors to dump assets, New York University Professor Nouriel Roubini said. Riiiiight... and ...
by gnosis
Sun Oct 12, 2008 10:10 am
Forum: Personal Investments
Topic: Basic Roth questions from a new investor
Replies: 8
Views: 1911

I'm sure it's a Roth 401k offered by her employer, she must have misunderstood.

I just opened a Vanguard Roth IRA and put in $1k STAR fund. :sharebeer
by gnosis
Sat Oct 11, 2008 11:46 am
Forum: Personal Investments
Topic: Basic Roth questions from a new investor
Replies: 8
Views: 1911

Basic Roth questions from a new investor

I apologize if these questions seem totally "101" about funding Roths, but I've been searching all over the net for answers and I just can't find them... If we transfer our after-tax money from our savings into a Roth, it doesn't get taxed again, right? Is there a benefit for my wife to open a Roth ...
by gnosis
Sun Aug 17, 2008 4:19 pm
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6324

In your original post here, you said you expect to be in the 35% federal bracket in a few years, which would imply taxable income of at least $357,500, but now you say you expect gross income to plateau at around $250K. Which is it? Thanks for catching that error, I fixed it now. I meant 33%, not 3...
by gnosis
Fri Aug 15, 2008 2:14 pm
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6324

Your philosophies and perspectives are new to me, and they're very interesting. That's ultimately why I decided to post on this great forum. I really appreciate this. I won't be on the computer here for the next few days, but I'll check here again as soon as I'm back. Thanks to all of you again for ...
by gnosis
Thu Aug 14, 2008 8:19 pm
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6324

Linda-room42, that was a nice numbers crunch that made sense, that was good stuff. I often think about how low the interest is on all of my loans, relative to how high interest rates can go historically, like your 14% mortgage, etc. Should I even be so concerned about my financial situation right no...
by gnosis
Thu Aug 14, 2008 8:12 pm
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6324

Given your financial track (lots of income): - insurance and especially disability insurance has to be a large and early priority. As much as you can feasibly buy - life insurance (cheap term, 20 year) to pay off your debts if you die and leave your wife/child - emergency funds (6-12 months) althou...
by gnosis
Thu Aug 14, 2008 11:05 am
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6324

room42 wrote:Guess what? If your total deductions are less then the standardized deduction, that's even better - tax wise.
Linda-room42
I don't understand. Why is this?
by gnosis
Thu Aug 14, 2008 7:59 am
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6324

We both have health insurance. Sorry, I assumed that was a given. I feel the same way about my 3% student loan. At that rate, it's effectively not even gaining interest when adjusted for inflation. With the exception of the 0% credit card balance, we always pay off our other monthly credit card stat...
by gnosis
Thu Aug 14, 2008 5:56 am
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6324

The $190k student loan balance is the combined total of my med school loans and my wife's college loan.
Our current gross annual income is $150k, and I expect it to increase about 10% annually until it plateaus around $250k with smaller 1-3% increase each year afterward.
by gnosis
Wed Aug 13, 2008 9:46 pm
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6324

ahh I don't know how I looked over that sticky! Thanks, and it's been edited now.
by gnosis
Wed Aug 13, 2008 9:33 pm
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6324

Appreciate some financial advice

Scroll all the way down to the most recent postings for my most updated financial picture I've read a few beginner's books to investing and countless threads on this forum. I'd like to know what to do with my money at this point in my life. Here's my profile: Liquid funds/3-month emergency fund: $1...