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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 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: I don't have enough cash for index funds
Replies: 42
Views: 3910

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 10:57 am
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 35
Views: 2926

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 10:41 am
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 4964

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 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: I don't have enough cash for index funds
Replies: 42
Views: 3910

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 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 54
Views: 4343

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 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 17
Views: 3637

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 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 17
Views: 3637

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 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 728

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 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Please help me fight for index funds!
Replies: 37
Views: 2594

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 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k @ New Employer
Replies: 5
Views: 438

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 10:01 am
 
Forum: Personal Consumer Issues
Topic: new car buying strategy - disclose trade-in up front?
Replies: 14
Views: 1148

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 10:00 am
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2222

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 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2222

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 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 35153

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 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Home improvement plans not filed with town?
Replies: 21
Views: 1007

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 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Home improvement plans not filed with town?
Replies: 21
Views: 1007

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
Wed Feb 26, 2014 12:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Home remodel - need confirmation that we can afford it
Replies: 51
Views: 4075

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 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home remodel - need confirmation that we can afford it
Replies: 51
Views: 4075

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 5:16 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 5080

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 10:54 am
 
Forum: Personal Consumer Issues
Topic: Car dealer refusing to repair car
Replies: 54
Views: 5080

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 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: 10 Reasons It's A Terrible Time To Buy An Expensive House
Replies: 19
Views: 3348

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 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG FTSE All-World ex-US Small-Cap Index (VFSVX)
Replies: 12
Views: 1384

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 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Trex (The Good, the Bad and the Ugly)
Replies: 50
Views: 5605

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 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why only 5-10% for REITs?
Replies: 44
Views: 4445

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 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Average cost to build a 5000 sq feet house
Replies: 56
Views: 12372

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 11:07 am
 
Forum: Investing - Theory, News & General
Topic: poll; what % of your bond allocation is in I-bonds?
Replies: 36
Views: 2723

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 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to find a financial planner, not an investment manager?
Replies: 27
Views: 1743

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 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: How to find a financial planner, not an investment manager?
Replies: 27
Views: 1743

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 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is my financial advisor doing?
Replies: 49
Views: 3420

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 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of having an attorney draft a will
Replies: 37
Views: 4977

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 9:41 am
 
Forum: Personal Consumer Issues
Topic: 3-part bathroom issue...
Replies: 18
Views: 1814

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 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars cost effective?
Replies: 109
Views: 7624

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 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars cost effective?
Replies: 109
Views: 7624

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 11:08 am
 
Forum: Personal Consumer Issues
Topic: How much do you pay the babysitter?
Replies: 20
Views: 1714

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 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I need so much cash?
Replies: 17
Views: 2954

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 9:24 am
 
Forum: Personal Consumer Issues
Topic: What did you give your wife on your wedding day?
Replies: 81
Views: 5031

Re: What age did you reach 100K networth?

26 or so with inflation adjustment.
by NateH
Mon Jun 17, 2013 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 35153

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 11:29 am
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 40158

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 10:39 am
 
Forum: Personal Consumer Issues
Topic: Reasonable to sell a house that needs some work?
Replies: 33
Views: 2408

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 10:24 am
 
Forum: Personal Consumer Issues
Topic: Returning used items to the store [POLL]
Replies: 50
Views: 2746

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

People sell houses all the time that have roofs or decks that need maintenance or need fresh exterior paint. As long as you disclose the issues, this isn't unreasonable at all. IMO, you may be optimistic in assuming you will quickly find a buyer who wants your half-finished project. It won't count a...
by NateH
Tue Jun 04, 2013 10:09 am
 
Forum: Personal Consumer Issues
Topic: Reasonable to sell a house that needs some work?
Replies: 33
Views: 2408

Re: NYT article on why Cooper Union ended free tuition

NYT has posted a correction to the value of hedge fund assets: Correction: May 14, 2013 The Common Sense column on Saturday, about how poor financial decisions involving its endowment forced the Cooper Union for the Advancement of Art and Science to stop offering education free of tuition, misstated...
by NateH
Tue May 14, 2013 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: NYT article on why Cooper Union ended free tuition
Replies: 21
Views: 2328

Re: Emergency Fund Investments

it's more important to have an emergency plan than to have an emergency fund account.
you might find this wiki interesting. http://www.bogleheads.org/wiki/Placing_ ... ed_Account
by NateH
Tue Apr 30, 2013 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investments
Replies: 6
Views: 1064

Re: Bank mailed me letter, $5 fee starts in June, criminal.

nisiprius wrote:
bUU wrote:I do think a lot of American consumers grossly over-value their own patronage, and not just as bank depositors.
I think a lot of American businesses grossly undervalue the benefit of long-term customer relationships.


i think you're both right.
by NateH
Tue Apr 30, 2013 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank mailed me letter, $5 fee starts in June
Replies: 122
Views: 7157

Re: Bank mailed me letter, $5 fee starts in June, criminal.

My bank charges $15 per month if i don't keep a 5000 minimum balance, between the linked checking and savings accounts. Stagecoaches are expensive to maintain, i guess. I've never paid it, and i still get free web banking, internet bill pay, ATM, FDIC insurance, etc, etc, etc. I'm actually suprised ...
by NateH
Tue Apr 30, 2013 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank mailed me letter, $5 fee starts in June
Replies: 122
Views: 7157

Re: VG Pays $28k for "Movers & Shakespeare"

28,000 for training? big deal. employees need training and professional development or whatever this is. it's part of employing actual live people in your organization.
by NateH
Wed Apr 17, 2013 10:57 am
 
Forum: Investing - Theory, News & General
Topic: VG Pays $28k for "Movers & Shakespeare"
Replies: 30
Views: 2366

Re: What level of detail do you budget to?

3 categories: mortgage child care everything else =total overall, which has a set spending limit we keep track of the child care, because (a) household employer tax reasons (b) as the kids get older i don't want to misplace the "daycare dividend". nearly all of our spending is on our AMEX ...
by NateH
Thu Apr 11, 2013 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What level of detail do you budget to?
Replies: 66
Views: 4832

Re: Converting to gas heat

How much would it cost to get the gas line run to the house while they are doing the work in the street and just put in something like a gas stove or water heater? That way the gas would be ready to use for the furnance but you(or the future buyer) could wait until the oil furnance needs to be repl...
by NateH
Thu Apr 11, 2013 9:37 am
 
Forum: Personal Consumer Issues
Topic: Converting to gas heat
Replies: 29
Views: 1927

Re: Fed pumping and safety net

I read that the vast majority of investors age 64 and 80/20 in equities are worried about a possible downturn in stocks.
So, you should be too.
by NateH
Fri Apr 05, 2013 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Fed pumping and safety net
Replies: 18
Views: 1121

Re: Do I really need a Smartphone?

Scenario: You in a meeting in the conference room discussing a client. You : ...and that concludes my report. Boss : Excellent work. I know you didn't include it in your presentation but share with me the <insert whatever> document right away so I can review numbers while we're discussing this. You...
by NateH
Tue Apr 02, 2013 9:36 am
 
Forum: Personal Consumer Issues
Topic: Do I really need a Smartphone?
Replies: 433
Views: 28356
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