Search found 455 matches

by NateH
Wed Aug 05, 2015 8:26 am
Forum: Personal Consumer Issues
Topic: Comcast wants me to buy a new modem (I think)
Replies: 53
Views: 2840

Re: Comcast wants me to buy a new modem (I think)

They want you to upgrade because its easier on them/their system. If you aren't paying for the super blazing mega fast hair-on-fire service, you won't get any benefit by upgrading your modem. I had a Doc3.0 modem but fried it during a lightning strike outside the house. switched back to my old modem...
by NateH
Wed Aug 05, 2015 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with low raise
Replies: 71
Views: 5362

Re: Frustrated with low raise

Tell boss man that you want a promotion.
Demonstrate that you have performed at the next level.

If hes smart, he'll realize you can get the promotion internally or externally.
by NateH
Mon Aug 03, 2015 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX for Emergency Fund
Replies: 10
Views: 978

Re: VBILX for Emergency Fund

I hold the intermediate-term muni fund, VWITX in taxable for part of my 'emergency funds'. I would expect VBILX to be similar.
It's worst annual return was -1%. I figure that I can absorb a 5% or 10% loss if that day came, so it works for me.
by NateH
Mon Jul 13, 2015 7:50 am
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1138

Re: Voyageurs National Park Vacation

http://www.nps.gov/voya/planyourvisit/b ... torage.htm

Black Bears mostly wreck stuff, looking for food.
by NateH
Fri Jun 26, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 20161

Re:

nisiprius wrote:We buy our cars at issue and hold them to maturity, and I don't think the price fluctuation in between matters much.


This is awesome. <slow clap>
by NateH
Fri Jun 26, 2015 8:46 am
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 5542

Re: Did 2008 change your investing strategy?

It may have temporarily changed my fund balances, but no change to strategy at all.
by NateH
Fri Jun 26, 2015 8:43 am
Forum: Investing - Theory, News & General
Topic: Has anyone noticed the Japanese stock market lately?
Replies: 15
Views: 2345

Re: Has anyone noticed the Japanese stock market lately?

It can't keep going down forever. Guess that's true. Once it reaches zero, the market closes and never re-opens. :D :beer Clearly, you are not familiar with an Asymptote https://en.wikipedia.org/wiki/Asymptote to OP, i noticed that i had had to dump less money into PAC index this year during re-bal...
by NateH
Thu Jun 25, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 36
Views: 2930

Re: Home renovation funding

"This time is different"...
by NateH
Tue Jun 23, 2015 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old / Missed the bull run
Replies: 50
Views: 8946

Re: 30 years old / Missed the bull run

2) what sort of emergency fund does everyone recommend to cover market conditions to ensure I never touch my money? thanks everyone! Not knowing what your definitions of Spending and Expenses are, i would guess 6-months worth of something between .333 and .667. In an emergency, you can always cut s...
by NateH
Tue Jun 23, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 25589

Re: What was the 2008 crash like in real time?

This wasn't a part of the stock market crash, but related. Families selling or moving up in the housing market got trapped as they home equity evaporated. Some unlucky ones could have sold their home for a profit early in the decline, but - hoping for a few thousand more - followed the housing marke...
by NateH
Mon Jun 15, 2015 3:07 pm
Forum: Investing - Theory, News & General
Topic: Momentum across time and asset classes
Replies: 40
Views: 5368

Re: Momentum across time and asset classes

It must be harder than it sounds. Source: Morningstar Blue, Vanguard Total Stock Market Index Fund, VTSMX Orange, AQR Large-Cap Momentum Fund, AMOMX http://s4.postimg.org/q5nql727x/Captura_de_pantalla_2015_06_14_a_las_9_28_59_AM.png Maybe the problem is large-cap, let's try a small-cap momentum fun...
by NateH
Mon Jun 15, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: How/where to get rid of old gasoline
Replies: 35
Views: 3999

Re: How/where to get rid of old gasoline

Cities might have a 1X per year clean-up, but if you call the county or state, you might find a facility that is open all year.
by NateH
Wed May 13, 2015 11:22 pm
Forum: Personal Consumer Issues
Topic: Can a room with only a toilet be considered a bathroom?
Replies: 28
Views: 2493

Re: Can a toilet alone in a room be considered a bathroom?

It could be listed as a 1/4 bath, but it is probably not vented correctly, so no one has claimed it as a proper plumbing fixture. The code on wet venting toilets are not what they used to be.
by NateH
Wed May 13, 2015 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase home without permits?
Replies: 70
Views: 4837

Re: Should we purchase home without permits?

Leave in all of the inspections. Add additional ones if you can think of any which might be worthwhile. You're in a perfect positions to get a price reduction, depending on the laws in your local area. Where I live, sellers are required to disclose any known defects in a property. Sellers can be ve...
by NateH
Sun May 03, 2015 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Everyone is saying to get out of Bond Funds? Ignore?
Replies: 41
Views: 5461

Re: Everyone is saying to get out of Bond Funds? Ignore?

Everyone knows (well almost everyone) not to market time the stock market. The bond market is no different. You might not see it, but this is market timing. Ignore the noise, the news reports, and the doomsday articles. You can't guess where the market will go next. Let's review what happened to bo...
by NateH
Sun May 03, 2015 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to cash until clear plans formed [formerly Sell in May, Go Away, and Think About It]
Replies: 39
Views: 4492

Re: Sell in May, go away, and think about it?

If you'd like some historical perspectives on the "sell in May" strategy, type "Sudhi" in the search box.
by NateH
Tue Apr 28, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: Prepping a house for sale: What are the priorities?
Replies: 33
Views: 3307

Re: Prepping a house for sale: What are the priorities?

Lots of good advice above---- I'll add only a few. Take down photos of yourself & family. I always found it weird. Replace with generic pics or pull the nail & paint over the hole. Given your situation with pets & the young age of the home, I would go with cheap new carpet next winter/sp...
by NateH
Mon Apr 27, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 5412

Re: Feel like I made a mistake with buying a house: apprecia

120% appreciation? Sounds fishy. What metric are the two of you going by? Sure the house may be valued that much more, but what kind of renovations took place to make that happen? If the house was bought for $200k and then $150k was done in renovations the ROI is not going to be as high if he did z...
by NateH
Mon Apr 27, 2015 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 5412

Re: Feel like I made a mistake with buying a house: apprecia

Until today, I've never seen chasing returns extended to the residential real estate market. There are no dumb questions. OP - if you look up "chasing returns" in the search box, this is essentially what you are asking. There is nothing wrong with your home purchase unless it does not suit...
by NateH
Tue Apr 21, 2015 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 185
Views: 12960

Re: engineers - please help with engineering school selectio

I'm totally biased, but SKI-U-MAH! (University of Minnesota BME '97) The intern and co-op opportunities with the local companies are abundant. While U of MN engineers are not always 'famous' nationally, the U of M - college of Engineering, specifically - has a lot of influence in the region. 3M, Med...
by NateH
Tue Apr 21, 2015 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 13017

Re: How much do you pay in Property Taxes?

Ours is 7100 in a Twin Cities, MN suburb.
~1.0% of the appraised value.
by NateH
Sun Apr 19, 2015 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable offer on this home?
Replies: 7
Views: 1138

Re: What is a reasonable offer on this home?

It is extremely difficult to expect people on the internet to come up with a fair offer on very very very limited information. +1 A good buyers agent will help you find a winner by showing multiple properties within the same price range. Although they try, County assessments are not good predictors...
by NateH
Sun Apr 19, 2015 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 3159

Re: [Who is Ameriprise? Got invitation from a financial advi

Go meet your neighbors and ask your new neighbor if he could recommend a CFP to do fee-for service based financial advising. you will quickly learn his intentions. We meet with an Ameriprise financial person 2X per year on a fee-based arrangement. she's pretty good with budget, financial planning an...
by NateH
Wed Apr 15, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 3949

Re: How much should a small tile floor (3' X 5') cost? $2000

Sounds like the plumber just wants someone else to do the demolition and re-lay subfloor. These are not difficult, but they are very physical jobs. A couple of eager teenagers could do demo for few hundred bucks if you got a small dumpster and rented the demo hammer. A handy-man service would be che...
by NateH
Mon Apr 13, 2015 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Engineering as a career for a graduating HS student ?
Replies: 60
Views: 5112

Re: Engineering as a career for a graduating HS student ?

Mechanical Engineer here from a Big Ten engineering school. ME is more general and adaptable than some of the 'specialty' degrees like bio-engineering. I work for a large company in the Medical Device industry (yes, you've heard of it) and we actively search for MEs over BioEng's even though we are ...
by NateH
Mon Apr 13, 2015 9:33 am
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 17920

Re: The $1 Million Goal: Source of Motivation or Discouragem

Arguably, the vast majority of Americans will never reach a $1 million portfolio. I for one have far less than that and am living well in retirement. Was watching CBS news this morning and an 'expert' again mentioned the $1 million needed for retirement, and the host incredulously fired back "...
by NateH
Mon Mar 16, 2015 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: I bought [United States Oil ETF (USO) by mistake]
Replies: 13
Views: 1898

Re: I bought [United States Oil ETF (USO) by mistake]

I bought it at 17$ and it is now just under water. Depends on how much you paid for the stock. I too bought some USO and have found it is quite volatile. I set a sell point and re-buy when it drops. I've made some good money doing this. As long as you didn't pay a ridiculously high amount for the E...
by NateH
Wed Mar 11, 2015 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund allocation
Replies: 16
Views: 1796

Re: Emergency fund allocation

My Emergency fund is 75% TSM and 25% muni bonds in my taxable account.
if i need to sell, i will rebalance with assets in my IRAs
by NateH
Thu Mar 05, 2015 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 49
Views: 8825

Re: 2 comma club (my way)!!

Image
by NateH
Mon Mar 02, 2015 2:36 pm
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 9148

Re: What's your average ER?

Weighted ER = 0.111%
more important is that it has been around that for many years.

Our most expensive fund is 0.34% ER STAR fund in my son's education IRA.
It is twice as expensive as the equivalent life-strategy funds, but it keeps outperforming them.
by NateH
Fri Jan 30, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: what to do with 529 if you earn a scholarship?
Replies: 22
Views: 2249

Re: what to do with 529 if you earn a scholarship?

My plan would be to leave it in the 529. When you retire, use it on yourself to study art in Florence Italy during the summer.
by NateH
Fri Jan 30, 2015 11:12 am
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 71
Views: 9150

Re: Any other investors with 70/30 portfolio?

Our portfolio is Age-10, so it is currently a 70/30 portfolio.
Next year, it will be 69/31.
by NateH
Wed Jan 21, 2015 3:53 pm
Forum: Personal Consumer Issues
Topic: Florida West Coast vacation with small kids
Replies: 24
Views: 2819

Re: Florida West Coast vacation with small kids

darkhorse346 wrote:Check out South Seas Island Resort on Captiva. Stayed there several times. Fun for parents and kids. :beer


Also on Captiva and kid-friendly is tween-waters resort. I've stayed there with kids the same age as yours and they had a fabulous time.
by NateH
Fri Jan 16, 2015 10:30 am
Forum: Personal Finance (Not Investing)
Topic: "Nanny Tax" Questions (Part-time babysitter)
Replies: 13
Views: 1581

Re: "Nanny Tax" Questions (Part-time babysitter)

We have employed summer nannies for our kids for 3-4 years now and we are way over the 1900 limit with just full-time summer employment. First: You might want to check if your wife's change to "student" (full time?) qualifies as a status change in order to re-enroll in your Dep Care Flex s...
by NateH
Fri Jan 16, 2015 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account options
Replies: 25
Views: 2264

Re: Taxable account options

I guess i'm on the other side of this one. If feel your retirement is being adequately funded, I see no point in locking up your extra money someplace where you cannot enjoy it until you are 60 (30+ years!). I didn't see if your 401k is a good one an expensive one or somewhere in-between. if it is l...
by NateH
Wed Jan 14, 2015 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor Looking For Advise
Replies: 14
Views: 1583

Re: Young Investor Looking For Advise

Welcome, I'm 26 and went with a simple target date fund (2060) which has ~90% stock/10 bond AA. I would highly recommend that until you get closer to ~$100,000 in assets then jump into the 3 fund portfolio for the lower expense ratios of the Vanguard Admiral Funds. While you accumulate that amount,...
by NateH
Wed Jan 14, 2015 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor Looking For Advise
Replies: 14
Views: 1583

Re: Young Investor Looking For Advise

Thank you for the replies so far! Very helpful and reassuring. Trevor- Thanks! Right, I don't feel like I'm timing the market, but I could see how my bond question could be considered timing. I feel like an appropriate analogy would be having a deck of playing cards and flipping over a 2. True, the...
by NateH
Thu Dec 04, 2014 6:46 pm
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 3888

Re: 2012 Honda Pilot Tranny Fluid Change?

The tranny fluid "change" for a pilot only changes about 1/3 of the fluid because it doesn't fully drain, so it takes three changes to be a full 'change'. I have done this fluid change myself and it is very easy with a few tools at 50k mi. I find it easier than an oil change. I would alway...
by NateH
Wed Aug 20, 2014 10:24 am
Forum: Investing - Help with Personal Investments
Topic: I don't have enough cash for index funds
Replies: 42
Views: 4131

Re: I don't have enough cash for index funds

Shredder wrote:For the short term at least...I bought the iShares total bond ETF (AGG). I could afford 2 shares, haha.


are you considering the transaction costs of buying ETF's 2 shares at a time?
why not just a fund-of-funds until you get the balance up?
by NateH
Wed Aug 20, 2014 9:57 am
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 35
Views: 4393

Re: Simplisafe Home Security Systems

I am very interested in this. Right now, I have Vector security who I hate. Does anyone know if there are typically charges to have the hard wired monitored service equipment removed? if your home is already wired, you do not need to remove it. Just cancel monitoring with Vector and switch to whome...
by NateH
Wed Aug 20, 2014 9:41 am
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 7107

Re: Buying a home with aluminum wiring?

We are having an electrician come to inspect and estimate the Copalum upgrade work. I think rewiring the whole house would be cost prohibitive. Our inspector said in his many years of experience is that is almost never done (not that he was dissuading us to) . What is the issue with Copalum route? ...
by NateH
Fri Aug 15, 2014 9:04 am
Forum: Investing - Help with Personal Investments
Topic: I don't have enough cash for index funds
Replies: 42
Views: 4131

Re: I don't have enough cash for index funds

Vanguard STAR and Retirement Year Funds are available in their Roth IRA with a $1k minimum. https://investor.vanguard.com/mutual-funds/fees $1,000 for Vanguard Target Retirement Funds and Vanguard STAR® Fund. +1 +1 Open a bank or CU savings account and start saving. Use Vanguard STAR when you reach...
by NateH
Fri Aug 01, 2014 12:21 pm
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 54
Views: 4954

Re: Central AC replacement decision

Our home has a zone HVAC set-up with 2 AC units & 2 furnaces. The home was built in 1991. We replaced the failing main floor AC unit (which does the bulk of the cooling) a few years ago, but chose to let ride with the smaller unit that cools only the 2nd floor zone. It has far less hours on it a...
by NateH
Fri Aug 01, 2014 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 17
Views: 3762

Re: Basically starting over

dbCooperAir : ------------------------------------------------------------- NateH : Thank you very much for the different funds. I need to go through the funds I was looking at again. The only thing I looked at on the funds was the ER and what their holdings were. I didn't think to look at what the...
by NateH
Thu Jul 31, 2014 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 17
Views: 3762

Re: Basically starting over

Aptenodytes : 1) So you like the percentages I have in my AA but not the funds? Why is that? I used the Boglehead Wiki and the three fund page to help with my selection. What makes them bad? What would make them better? All the funds have a very low expense ratio and a low turnover. I feel like thi...
by NateH
Thu Jul 31, 2014 9:27 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 859

Re: 401k Advice

What a horrible plan. Good thing you only have 10 years to hold your nose. Do enough of the Black Rock index fund @ 100% to get all the employer match you can get, then invest additional money elsewhere (roth ira). Rollover the 401k to your IRA on your way out the door when you leave. You can buy a ...
by NateH
Wed Jul 30, 2014 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Please help me fight for index funds!
Replies: 37
Views: 2827

Re: Please help me fight for index funds!

Leif: I'm on our company's 401K committee and I can tell you it's going to be a hard sell on cost, because you are going against (I'm presuming) a mostly non-Boglehead way of thinking. Plan sponsors leave investment decisions for the most part to the investment adviser, but they can be motivated to...
by NateH
Wed Jun 11, 2014 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401k @ New Employer
Replies: 5
Views: 524

Re: Help with 401k @ New Employer

put 6% into Wells Fargo Advantage index WFIOX.
do you have other investments outside of this 401k?
by NateH
Thu Jun 05, 2014 9:01 am
Forum: Personal Consumer Issues
Topic: new car buying strategy - disclose trade-in up front?
Replies: 14
Views: 1388

Re: new car buying strategy - disclose trade-in up front?

The negotiation is based on information each party has at the time. If you know the value you want for your trade, you have more information to assess the value of the deal than the dealer. Look at it as 2 negotiations. If they lowball the trade, you can always try another dealer or decide sell it y...

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