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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
Mon Mar 02, 2015 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 82
Views: 3517

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 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: what to do with 529 if you earn a scholarship?
Replies: 22
Views: 2064

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
Fri Jan 30, 2015 11:12 am
 
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 40
Views: 3372

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
Wed Jan 21, 2015 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Florida West Coast vacation with small kids
Replies: 24
Views: 2656

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 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: "Nanny Tax" Questions (Part-time babysitter)
Replies: 13
Views: 1309

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
Fri Jan 16, 2015 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account options
Replies: 25
Views: 2128

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 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor Looking For Advise
Replies: 14
Views: 1462

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
Wed Jan 14, 2015 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor Looking For Advise
Replies: 14
Views: 1462

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
Thu Dec 04, 2014 6:46 pm
 
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 1814

Re: Paid off our Mortgage this evening!

Bravo! :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag
by NateH
Tue Nov 18, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 10610

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 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: I don't have enough cash for index funds
Replies: 42
Views: 4005

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 9:57 am
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 35
Views: 3532

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
Wed Aug 20, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 5494

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 15, 2014 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: I don't have enough cash for index funds
Replies: 42
Views: 4005

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 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 54
Views: 4663

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
Fri Aug 01, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 17
Views: 3661

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 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 17
Views: 3661

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
Thu Jul 31, 2014 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 772

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 Jul 30, 2014 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Please help me fight for index funds!
Replies: 37
Views: 2655

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
Wed Jun 11, 2014 7:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k @ New Employer
Replies: 5
Views: 486

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...
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: 1203

Re: Visiting Minnesota Suggestions?

You might help us by refining the city/cities you will be visiting. "Going to Minnesota" is not too different from "Going to Texas". I would guess you will be in the Minneapolis/St. Paul area. Bring your coat/hat/gloves. It can be chilly this time of year. Go to a Twins baseball...
by NateH
Fri May 16, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2251

Re: Visiting Minnesota Suggestions?

Hey dere, AC! Suggestions? Oh ya, sure, y'betcha. June is the really nice time to vising MN. The sun's up 'til 9:00 and it's light for another hour after that, don'cha'know. Duluth is an easy 2.5-3hr drive up north from the Cities and the Lake Superior North Shore is worth it if you like to hike (th...
by NateH
Tue May 13, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2251

Re: What age did you reach 100K networth?

Same here.
Guessing about 27

avalpert wrote:Earlier than I started tracking it but sometime in my mid-20's
by NateH
Mon Apr 07, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 36895

Re: Home improvement plans not filed with town?

I would check if the owners pulled a permit for their improvements, since you are looking to buy the house. Don't know about the city in question, but permits are listed online by some cities, searchable by address. You could find out without even asking the sellers. The information that a permit wa...
by NateH
Mon Apr 07, 2014 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Home improvement plans not filed with town?
Replies: 21
Views: 1023

Re: Home improvement plans not filed with town?

Below ground square footage is not "counted" by some municipalities.

Also, the assessor will update the home's value based on the sale, regardless of how many square feet is in their database.
by NateH
Mon Apr 07, 2014 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Home improvement plans not filed with town?
Replies: 21
Views: 1023

Re: Home remodel - need confirmation that we can afford it

do it with cash and save yourself the interest costs. This is also a very piece-meal list, no reason you couldn't break it up over time. What is the rationale supporting your suggestion to finance with cash? As noted in a prior post, a 4% HELOC will mean I pay ~2.8% interest on the loan after tax d...
by NateH
Tue Feb 25, 2014 11:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home remodel - need confirmation that we can afford it
Replies: 51
Views: 4161

Re: Home remodel - need confirmation that we can afford it

do it with cash and save yourself the interest costs.

This is also a very piece-meal list, no reason you couldn't break it up over time.
by NateH
Mon Feb 24, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home remodel - need confirmation that we can afford it
Replies: 51
Views: 4161

Re: How much a baby costs?

Your washing machine will instantly get double the work when you bring the little one home, or more. You will have to wash all of the burp rags, clothes, bedding, etc, etc. You will also be washing more of your own clothes too. If the machine is old, prepare to buy a new one. All the laundry also me...
by NateH
Mon Jan 06, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 5422

Re: Car dealer refusing to repair car

Did your gf notice any smoke ( white , black, or blue) from the tail pipe when she drives (Especially after a traffic stop and step hard on the gas peddle)? If there are a large amount of smoke, yes, the head gasket could be a problem. I am no mechanic, but I fix some of my car problems. If you rea...
by NateH
Fri Sep 27, 2013 9:54 am
 
Forum: Personal Consumer Issues
Topic: Car dealer refusing to repair car
Replies: 54
Views: 5113

Re: 10 Reasons It's A Terrible Time To Buy An Expensive Hous

We borrowed 2.5 times my salary with a 33% downpayment. If you consider that we both work, we borrowed 1.28 times our total household income. SIX TIMES?? Who the heck is doing this? I could have bought three identical houses with those types of ratios and still had enough left over for a heated poo...
by NateH
Tue Sep 17, 2013 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: 10 Reasons It's A Terrible Time To Buy An Expensive House
Replies: 19
Views: 3391

Re: VG FTSE All-World ex-US Small-Cap Index (VFSVX)

The distributions in the last were about 3-4% of value. By contrast TSM is considered very tax efficient and it payed out 2% last year in distributions. I don't have available how much of the gain was long-term cap gain (which would be taxed at a lower rate). Worst case - if you pay 30% taxes for a ...
by NateH
Thu Aug 15, 2013 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG FTSE All-World ex-US Small-Cap Index (VFSVX)
Replies: 12
Views: 1405

Re: Trex (The Good, the Bad and the Ugly)

Yes. They help, but the mold comes back. But I wanted the OP to be aware that there are potential downsides to investigate and that quality of the product could be an issue. In my 'hood the wood decks are doing better versus the mold then the base grade composite decks like mine. One neighbor just ...
by NateH
Sun Aug 11, 2013 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Trex (The Good, the Bad and the Ugly)
Replies: 50
Views: 5900

Re: Why only 5-10% for REITs?

REITs are already part of VTI. That's enough for me. Does anyone know or have links that quantify this effect? Kalo I couldn't find anything other than this : http://www.bogleheads.org/wiki/Percentages_of_REITs_Present_in_Vanguard_Index_Funds It hasn't been updated for awhile. I was curious too, bu...
by NateH
Thu Aug 08, 2013 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why only 5-10% for REITs?
Replies: 44
Views: 4575

Re: Average cost to build a 5000 sq feet house

Thanks to everyone. Lots of helpful suggestions. Lot size is approximately 0.4 acres. Subdivision where lot is located doesn't have any new homes built in the last 3 years. Most of the homes are > 20 years old. Price range is 700-900K. If I build an expensive home relative to other existing homes, ...
by NateH
Wed Aug 07, 2013 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Average cost to build a 5000 sq feet house
Replies: 56
Views: 15104

Re: poll; what % of your bond allocation is in I-bonds?

I voted 0% because i actually own $0 in ibonds.
It's interesting how many are saying zero, then state that they have many thousands of dollars in ibonds in the same breath.

note that the poll didn't say "what % or your retirement allocation is in I-bonds"
by NateH
Wed Aug 07, 2013 10:07 am
 
Forum: Investing - Theory, News & General
Topic: poll; what % of your bond allocation is in I-bonds?
Replies: 36
Views: 2802

Re: How to find a financial planner, not an investment manag

We use a CFP and pay her annually. Mostly it is to allow my wife to hear a 2nd opinion because she doesn't have the time to read boggleheads.org, even though my wife has a Series 7. We meet 2X per year and talk about everything - insurance, savings rates, 'our number', budgeting & spending, col...
by NateH
Wed Jul 31, 2013 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to find a financial planner, not an investment manager?
Replies: 27
Views: 1757

Re: How to find a financial planner, not an investment manag

We use a CFP and pay her annually. Mostly it is to allow my wife to hear a 2nd opinion because she doesn't have the time to read boggleheads.org, even though my wife has a Series 7. We meet 2X per year and talk about everything - insurance, savings rates, 'our number', budgeting & spending, coll...
by NateH
Wed Jul 31, 2013 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: How to find a financial planner, not an investment manager?
Replies: 27
Views: 1757

Re: What is my financial advisor doing?

How long have you been with him? What are your yearly returns? since early 2012 2012-13% YTD - 9% Is that your return before or after you paid taxes from all of his trading in your account? Going by your ability to generate $200,000s of new dollars per year, your tax bite from this broker might be ...
by NateH
Tue Jul 30, 2013 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is my financial advisor doing?
Replies: 49
Views: 3616

Re: Cost of having an attorney draft a will

we paid $1000 in a major midwest metro area.
i think we met two or three times with the atty.
by NateH
Wed Jul 24, 2013 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of having an attorney draft a will
Replies: 37
Views: 5353

Re: 3-part bathroom issue...

Please don't put a 150-250 Watt heat lamp bulb in a recessed housing rated for 65-75 Watts. That's asking for a fire. If the humidity is corroding the metals in the room, you will want to wire the fan to the light switch. What you CAN'T see is the humidity possibly condensing in the winter on the co...
by NateH
Fri Jul 12, 2013 8:41 am
 
Forum: Personal Consumer Issues
Topic: 3-part bathroom issue...
Replies: 18
Views: 1872

Re: Are hybrid cars cost effective?

I'd say that anyone saying that the PRius is depreciating 2x as fast is distorting things, even if you go by the very figures in the original source. So far, no one has stated that the PRIUS depreciates 2X as fast, except you. The NADA report lumps all plug-in cars together to reach their conclusio...
by NateH
Mon Jun 24, 2013 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars cost effective?
Replies: 109
Views: 8157

Re: Are hybrid cars cost effective?

John McElroy, a journalist in Detroit, has been going on this week about how hybrid and electric cars depreciate at twice the (percentage) rate of regular vehicles. You should take a look at resale value if you're considering any car. Keith Seriously, the amount of intentional misinformation that's...
by NateH
Mon Jun 24, 2013 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars cost effective?
Replies: 109
Views: 8157

Re: How much do you pay the babysitter?

usually $40 or $50 for a night out (3 kids under age 8)

Paying well helps booking them when you want them. They are highschool & college age (during summers) and either walk over or drive themselves.
by NateH
Fri Jun 21, 2013 10:08 am
 
Forum: Personal Consumer Issues
Topic: How much do you pay the babysitter?
Replies: 20
Views: 1752

Re: Do I need so much cash?

Have you read the wiki articles about Principles of Tax-Efficient Fund Placement and Placing Cash Needs in a Tax-Advantaged Account ? ^ +1 No you don't need to hold 'cash' as part of your AA plan in your 20s/30s. It is perfectly legit to have more of an emergency plan than an emergency fund . My &q...
by NateH
Thu Jun 20, 2013 8:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I need so much cash?
Replies: 17
Views: 2968

Re: What did you give your wife on your wedding day?

I gave her a very nice diamond ring & threw a party in her honor.
All of our family and friends were there.
Then we went on a fabulous trip to a tropical island.
by NateH
Mon Jun 17, 2013 8:24 am
 
Forum: Personal Consumer Issues
Topic: What did you give your wife on your wedding day?
Replies: 81
Views: 5102

Re: What age did you reach 100K networth?

26 or so with inflation adjustment.
by NateH
Mon Jun 17, 2013 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 36895

Re: Premium Products That Are Worth It To You

We buy a lot of store-brand stuff (costco, target, etc), but some things we do not compromise on:

beef - 95% of what we buy comes from the butcher and we buy the animal directly from the farmer we know
Oreos
Q-Tips
all of our faucets are hansgrohe.
by NateH
Thu Jun 06, 2013 10:29 am
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 42432

Re: Reasonable to sell a house that needs some work?

It is a case of having a big house on a nice piece of property in an area of smaller homes. We have the best lot in our subdivision (one of only 4 on the river and ours is the largest). When home price sales are compared in the area, our house would look expensive at $400,000 but quite reasonable a...
by NateH
Tue Jun 04, 2013 9:39 am
 
Forum: Personal Consumer Issues
Topic: Reasonable to sell a house that needs some work?
Replies: 33
Views: 2435

Re: Returning used items to the store [POLL]

what your friend is doing is completely dishonest. I answered yes because there are things that i could buy and use and return if it didn't meet my expectations (even if it was not defective), and that is OK. I've returned a Camera after taking (poor) pictures with it. I returned a golf driver after...
by NateH
Tue Jun 04, 2013 9:24 am
 
Forum: Personal Consumer Issues
Topic: Returning used items to the store [POLL]
Replies: 50
Views: 2850
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