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Re: $50,000 to invest, want little to no risk. CDs? Silver?

Forget Silver - Buy 5 CDs each with a 5yr term. That way you will get a higher rate (for now) and if you need some money you won't have to redeem the whole 50k - just the amount you need. You can get about 2.25% if you search. Make sure you know the early withdrawal penalty before you buy. +1 - If ...
by WHL
Wed Jan 28, 2015 6:30 am
 
Forum: Investing - Help with Personal Investments
Topic: $50,000 to invest, want little to no risk. CDs? Silver? Etc?
Replies: 37
Views: 3451

Re: Need serious help regarding my company's retirement plan

If you're not making a maximum contributions n to your Roth IRA, then yes, I would cut back on the "401k" contribution. Ditto for a HSA, if you have access to that.
by WHL
Wed Jan 28, 2015 6:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Need serious help regarding my company's retirement plan
Replies: 13
Views: 1050

Re: $7 gas - what would you do?

Wheres the option for "wouldn't change anything.?"
by WHL
Fri Jan 23, 2015 8:11 pm
 
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 18648

Re: Is this an unreasonable quote for interior home painting

Just to continue the thread, I went ahead and gave the go-ahead to this painter yesterday. Left the country today, and by the time i get back next weekend, he'll be done. I'll post again then :)
by WHL
Sun Jan 18, 2015 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4343

Re: garbage disposals - are these still used?

... I've read articles of utility companies asking their customers to utilize the garbage disposal more frequently in order to get more organic material into the works... :shock: Did they say why they want more organic materials into the works? Don't our toilets supply more than enough? :confused I...
by WHL
Sun Jan 18, 2015 7:57 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3681

Re: garbage disposals - are these still used?

I've never lived in a house or apartment without one and I immediately think "WTF" when I go to someone's house and see that they don't have one. I've read articles of utility companies asking their customers to utilize the garbage disposal more frequently in order to get more organic mate...
by WHL
Sun Jan 18, 2015 4:29 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3681

Re: Need some financial advice after just purchasing a new h

That's a lot of debt :shock:

There's no way I would try to have a kid and lose that second income until the majority of that debt is paid off.
by WHL
Sun Jan 18, 2015 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need some financial advice after just purchasing a new home
Replies: 15
Views: 2022

Re: Dave Ramsey's bad advice at an all time high!

DR is most likely going to be better than a random EJ "advisor." What makes you say that? Because by following DR, they will at least be trained to establish a fixed budget and practice proper financial fundamentals. Yes, his investing side could be better, but from personal experiences w...
by WHL
Sun Jan 18, 2015 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey's bad advice at an all time high!
Replies: 40
Views: 6354

Re: Dave Ramsey's bad advice at an all time high!

Regarding DR, yes, his investment advise and support for "ELP's" is bad as we see it. However, for the other 99% of Americans who have no idea about bogleheads, DR is most likely going to be better than a random EJ "advisor." Which, of course, is not justification for not taking...
by WHL
Sun Jan 18, 2015 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey's bad advice at an all time high!
Replies: 40
Views: 6354

Re: Dave Ramsey's bad advice at an all time high!

Regarding DR, yes, his investment advise and support for "ELP's" is bad as we see it. However, for the other 99% of Americans who have no idea about bogleheads, DR is most likely going to be better than a random EJ "advisor."
by WHL
Sun Jan 18, 2015 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey's bad advice at an all time high!
Replies: 40
Views: 6354

Re: Dave Ramsey's bad advice at an all time high!

This may come as a surprise to you, but Dave is in it for the money. and Vanguard is not? I've got a bridge to sell you. It's true that Vanguard is the low-cost provider, so is Wal-Mart, you think Wal-Mart is in it to be nice? How about any other low-cost providers (insert here). We are a capitalis...
by WHL
Sun Jan 18, 2015 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey's bad advice at an all time high!
Replies: 40
Views: 6354

Re: What's Your International % and Why?

25% of my overall portfolio. No reason why, it sounded and felt good and I'm too lazy to change it.
by WHL
Sun Jan 18, 2015 9:34 am
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 131
Views: 9731

Re: Does this retirement allocation make sense?

Yeesh. As has been said, you are only adding complexity to a portfolio by holding so many funds. Sell everything, buy a total market fund for us, international, and bonds, and be done with it.
by WHL
Sun Jan 18, 2015 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Does this retirement allocation make sense?
Replies: 9
Views: 857

Re: Another Down Payment Math Problem

I would put as much down as possible for the down payment without raiding any funds. You will have to pay PMI since you don't have the twenty percent, but just pay PMI for one to two years until you get to twenty percent. During this time, aggressively pay down your mortgage so you can get to the t...
by WHL
Thu Jan 15, 2015 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Down Payment Math Problem
Replies: 14
Views: 2106

Re: Is this an unreasonable quote for interior home painting

Besides, unless your painter is either really really good, painting trim that's already fastened and not on the bench will never look as good as shop finished trim. I don't understand this. With trim painting, the thing that separates the pros from the hacks is usually the quality of the prep work....
by WHL
Thu Jan 15, 2015 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4343

Re: Is this an unreasonable quote for interior home painting

Sherwin Williams is about the most expensive paint that you can buy. And they are in the same ballpark quality wise as the best paint at either lowes or home depot. So at least twice as much for the same result on the paint. Don't take my word for it - check out consumer reports. Dont know about sa...
by WHL
Wed Jan 14, 2015 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4343

Re: Is this an unreasonable quote for interior home painting

First, I have zero interest in doing this job myself. I'm not a painter. It pains me to pay this much labor to someone, given that I can (and do) do almost anything to my vehicle, but...c'est la vie. I also don't have the time - I'm in NYC today, flying home to PDX tomorrow, then off to Toronto Sund...
by WHL
Wed Jan 14, 2015 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4343

Re: Is this an unreasonable quote for interior home painting

It might be high, it might be really low. There is a huge range in quality from one painter to the next. I can't believe some of the responses in this thread... A good paint job is a lot of money, and takes a lot of time. And a lot of prep. It is not unreasonable at all the painter wants to sand an...
by WHL
Wed Jan 14, 2015 7:51 am
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4343

Re: Is this an unreasonable quote for interior home painting

I have a 670 sq.ft., 1bd 1 ba condo. I had a well recommended painting company provide me with a quote to do the walls and ceilings. Quoted price is roughly $1800. Ceiling will be white and three other colors will be used. My place is empty, I haven't moved in yet, so no furniture for them to move....
by WHL
Tue Jan 13, 2015 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4343

Re: Is this an unreasonable quote for interior home painting

mhc wrote:You should get at least three quotes. It will give you a better feel for the cost in your market.


I've got another company coming in Saturday.
by WHL
Tue Jan 13, 2015 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4343

Re: First time buyer - mortgage advise

bkinder wrote:I wouldn't even buy a house until I could swing 20% down on a 15 year mortgage. I don't recall the down payment being mentioned.


I don't recall him asking for opinions on his down payment, just the two mortgage types.

Moot point now that the TS has stated he made a decision.
by WHL
Tue Jan 13, 2015 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: First time buyer - mortgage advice
Replies: 22
Views: 2419

Is this an unreasonable quote for interior home painting?

I have a 670 sq.ft., 1bd 1 ba condo. I had a well recommended painting company provide me with a quote to do the walls and ceilings. Quoted price is roughly $1800. Ceiling will be white and three other colors will be used. My place is empty, I haven't moved in yet, so no furniture for them to move. ...
by WHL
Tue Jan 13, 2015 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4343

Re: How Many Credit Cards do you have?

For those boggled by multi-card owners - you gotta churn to earn! The credit card signup game offers rewards of $200-500 per card many times. I'm not turning down free money :D What credit card offers a $500 sign up bonus? Many do. Chase southwest premiere Chase southwest business Chase ink bold / ...
by WHL
Tue Jan 13, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 16241

Re: Changing Passwords with 2factor authentication

I haven't ever changed my Vanguard ID or password and I'm not planning on it.

I did, however, enable the 2-step. I love that, and have it turned on everywhere possible.
by WHL
Sun Jan 11, 2015 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changing Passwords with 2factor authentication
Replies: 12
Views: 1429

Re: How Many Credit Cards do you have?

I have the Hilton Amex (no annual fee) and the Hilton Visa (no annual fee) is my backup. I charge EVERYTHING that can be charged (including cell phone bill, Comcast bill, down payments on vehicles). My husband travels a lot for work and charges all his expenses too. We have never paid a dime in int...
by WHL
Sun Jan 11, 2015 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 16241

Re: How Many Credit Cards do you have?

I signed up for, and was approved for all, four more credit cards yesterday. Three have annual fees, the largest of which is $450 a year. :sharebeer :sharebeer other than amex platinum (100k offer?), what did you get? Chase Southwest Premier, 50k points. I don't fly SW but I will either give these ...
by WHL
Sun Jan 11, 2015 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 16241

My process for annual rebalancing + newb info

I created this semi-EDU thread for another forum, and will also post it here for you guys. I think anyone who is already here will know most of this information, but it can't hurt. This is what I did this morning to rebalance my accounts. I saw some interest from other threads in how I was planning ...
by WHL
Sun Jan 11, 2015 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: My process for annual rebalancing + newb info
Replies: 0
Views: 286

Re: How Many Credit Cards do you have?

I signed up for, and was approved for all, four more credit cards yesterday. Three have annual fees, the largest of which is $450 a year.

:sharebeer
by WHL
Sun Jan 11, 2015 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 16241

Re: Renewable Energy Index

If you own a wind power farm or a solar farm then you have to worry about these changes in incentives. With regards to wind energy, this is actually incorrect. Once the farm has entered production, the production tax credit is already locked in; future expiration of the PTC does not change this. Th...
by WHL
Sun Jan 11, 2015 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Renewable Energy Index
Replies: 3
Views: 581

Re: Stacked up some more silver bullion today

20 oz @ $29 / oz. Anyone else buy on this dip? Jan 2015: Just got a 20 oz roll of American Silver Eagles. Spot price is $15.69/oz. Strikes me as volatile as speculating on oil prices. That said, I suppose, assuming $320 is not a significant part of your portfolio, I suppose it could be fun. As a te...
by WHL
Fri Jan 09, 2015 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11018

Re: Stacked up some more silver bullion today

What is the total spread, including sales taxes if any, between the buying and selling price? Yes, this is the important measure when it comes to transaction costs, not the selling price over spot. And I can't imagine what would be wrong with discussing the correct cost and payment of taxes on bull...
by WHL
Fri Jan 09, 2015 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11018

Re: Max HSA contribution calculation

N1CKV wrote:both. HSA contributions are all inclusive - unlike a 401K.


401k contributions are "all inclusive" as well. 51k per year.
by WHL
Thu Jan 08, 2015 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max HSA contribution calculation
Replies: 3
Views: 648

Re: Just left meeting with my advisor....

hulburt1 wrote:so lets say you have 1m. at 1.8 every year you have paid 180,000 or for one of his kids to go to college.


Time for a new calculator...
by WHL
Thu Jan 08, 2015 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just left meeting with my advisor....
Replies: 57
Views: 7775

Re: Anyone else reluctant to put new money in bonds right no

No hesitation. I buy vanguard total bond every week as part of my 401k contributions.
by WHL
Tue Jan 06, 2015 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone else reluctant to put new money in bonds right now?
Replies: 27
Views: 3428

Re: HSA - Help pick my portfolio for the first time...

This isn't enough information. Do you plan on using the HSA for upcoming medical expenses or is it just used as another retirement account? If you really want to invest the money, it should be considered a normal part of your AA just like anything else. Unless an emergency comes up where it would m...
by WHL
Tue Jan 06, 2015 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA - Help pick my portfolio for the first time...
Replies: 8
Views: 815

Re: How Many Credit Cards do you have?

I am not a fan of rotating categories nor am I a fan of annual fees. However, the Quicksilver card requires $2400 in annual spend to recoup the annual fee. Think you'll be able to do that? I never get cards that have an annual fee as policy, and your post sent me worriedly searching the internet to...
by WHL
Tue Jan 06, 2015 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 16241

Re: Stacked up some more silver bullion today

Damn, y'all need to learn etiquette regarding bumping a year and a half old thread... 20 oz @ $29 / oz. Anyone else buy on this dip? I'm waiting for the dip to $15/oz... All of these metal threads have gone the way of the dodo. Anyway, still waiting for my $15/oz entry point... Where's WHL? Buying m...
by WHL
Tue Jan 06, 2015 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11018

Re: New car warranty - what has changed?

Extended warranties from the dealership are PURE PROFIT for them. Do not even entertain the idea.

If you really think you need one, look around online. You can find them at much more competitive pricing.
by WHL
Tue Jan 06, 2015 11:34 am
 
Forum: Personal Consumer Issues
Topic: New car warranty - what has changed?
Replies: 4
Views: 707

Re: Another Down Payment Math Problem

Keep saving. Sell taxable account when the time is right.
by WHL
Tue Jan 06, 2015 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Another Down Payment Math Problem
Replies: 14
Views: 2106

Re: How Many Credit Cards do you have?

I have no problem paying an annual fee for my cards (the three in my wallet all charge them) but there's no way I'd go with the rotating category card. I just don't have time to fool with those. I keep lots of cards because i game the sign up bonuses. My main cards are Hilton Amex surpass (for obvio...
by WHL
Tue Jan 06, 2015 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 16241

Re: Vanguard Asset Allocation?

What's the fund ticker? Look it up on Morningstar and compare for yourself.
by WHL
Tue Jan 06, 2015 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Asset Allocation?
Replies: 3
Views: 862

Re: HSA - Help pick my portfolio for the first time...

This isn't enough information. Do you plan on using the HSA for upcoming medical expenses or is it just used as another retirement account? If you really want to invest the money, it should be considered a normal part of your AA just like anything else. Unless an emergency comes up where it would m...
by WHL
Tue Jan 06, 2015 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA - Help pick my portfolio for the first time...
Replies: 8
Views: 815

Re: What to do with my investments?! 24 y.o no debts

You mention making a Roth IRA contribution for 2015 - did you make one for 2014? Did you have earned income for 2014? Yes, it is an amazing idea to dump the taxable account and put that money into a Roth. I would also do the same with your 401k - contribute more than you can actually afford and cons...
by WHL
Tue Jan 06, 2015 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my investments?! 24 y.o no debts
Replies: 9
Views: 1123

Re: HSA - Help pick my portfolio for the first time...

This isn't enough information.

Do you plan on using the HSA for upcoming medical expenses or is it just used as another retirement account?

If you really want to invest the money, it should be considered a normal part of your AA just like anything else.
by WHL
Tue Jan 06, 2015 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA - Help pick my portfolio for the first time...
Replies: 8
Views: 815

Re: Do you keep all your eggs in one basket?

I closed my EJ, Schwab, and Fidelity accounts when I fully joined a boglehead portfolio philosophy a couple of years ago. I already had the bulk of my funds at vanguard but wants to simplify. Today, I have all IRA money at vanguard, our work 401k just changed to Wells Fargo (yuck), and I have some t...
by WHL
Tue Jan 06, 2015 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you keep all your eggs in one basket?
Replies: 31
Views: 3333

Re: Accepting counter-offer to stay at job

I have never, and most likely would never, accept a counter offer. In my experiences, more money would only have been a patch on the underlying issues of the company or location I was at. And yes, imho, it only puts a target on your back for the future. If you did a good enough job negotiating your ...
by WHL
Tue Jan 06, 2015 6:42 am
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6629

Re: Parent liability for young adult child

If he sells them fast enough he doesn't need to title them, but yes, he can run into an issue of not having a resellers license of some sort. If he buys a car at he auction, how does he get it home, allow test drives and check out any repairs he makes, etc? Bonafide dealers usually have "deale...
by WHL
Sun Dec 28, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Parent liability for young adult child
Replies: 31
Views: 3030

Re: Do you have or recommend a Financial Only PC?

I'm not paranoid enough for that. I do all of my financial stuff on my personal laptop, work laptop, personal ipad, and company iphone. Everything from any of the devices, it doesn't bother me.

MSE on both computers and common sense is more than enough to keep me protected.
by WHL
Fri Dec 26, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7324

Re: Why did gas mileage recently drop on my older CRV?

I've now checked with a couple different auto parts dealers (O'Reilly and NAPA) as well as a repair shop and all have told me the diagnostic scanner won't find anything unless the Check Engine warning light on the dash is illuminated -- which it is not. That's not necessary true. I know for a fact ...
by WHL
Fri Dec 26, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3394

Re: Parent liability for young adult child

If he sells them fast enough he doesn't need to title them, but yes, he can run into an issue of not having a resellers license of some sort.
by WHL
Fri Dec 26, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Parent liability for young adult child
Replies: 31
Views: 3030
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