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Re: Questions about fertilizing and seeding lawn

I would check with your county or university extension service. They should be able to answer all your questions for your area. Otherwise, I would go to a local nursery. Otherwise, find a neighbor with a really nice yard and invite them over for a beer. If you live in a large metro area, you may be ...
by mhc
Tue Aug 19, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 17
Views: 1120

Re: Defining "Stay the Course"

I think it depends on how you define the "course". 1. If the course is hitting retirement goals: For this, then you did stay the course. You just adjusted course based on new conditions. Let's say you are driving from New York to San Francisco. Weather conditions may cause you to select a ...
by mhc
Tue Aug 19, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 18
Views: 1231

Re: Why no transaction alerts from Vanguard/others?

I get emails from Vanguard and Fidelity for every transaction. Just had an email this morning.
by mhc
Tue Aug 19, 2014 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1178

Re: Your biggest "Missed Money" event that still kills you?

Is there one opportunity that you had to make a tidy sum of money that you somehow managed to mess up and it still kills you years later? I have definitely made some bad decisions, but no regrets. I think I have too many other things going on in life to worry about past mistakes. I just chalk it up...
by mhc
Mon Aug 18, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 79
Views: 5234

Re: Indirect grilling (now a total fan)

OP, are you using lump or briquettes?

My Weber came with two charcoal baskets. When I cook a large chunk of meat, I move the baskets all the way out. I place the meat in the middle with a drip pan under it. Works great.

The baskets make it much easier to manage the location of the charcoal.
by mhc
Fri Aug 15, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Indirect grilling (now a total fan)
Replies: 13
Views: 1914

Re: Is the goal in sight? Should I relax?

If you can live on $100k/yr or less, then your are in good shape within the accuracy of the forecasting. A lot can happen over the next 44 years. It appears that you are on track. People have lived happily on a lot less than $100k/yr, so if you are flexible in your spending, then you have a much bet...
by mhc
Thu Aug 14, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the goal in sight? Should I relax?
Replies: 19
Views: 2290

Re: Where do you store your important documents?

You should add "other" category to your choices since your choices do not cover all possibilities.
by mhc
Tue Aug 12, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3184

Re: Window Blinds

I recently did 6 windows with blinds.com The quality is not as good as with my Hunter Douglas blinds, but the price is much lower. I had an issue with one of the blinds. I called blinds.com and within 1 minute of talking with the rep, she said a new blind would be sent to my house at no additional c...
by mhc
Tue Aug 12, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Window Blinds
Replies: 15
Views: 1153

Re: Ron Lieber NY Times article online security

I don't carry a cell phone. A text is not very useful. Even if I did use a cell phone, I would not want to have it with me so that I could login. I hope they come up with a better solution.
by mhc
Fri Aug 08, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Ron Lieber NY Times article online security
Replies: 2
Views: 599

Re: The Worst Investment You Can Make: Buying a Home

I ran the calculator. It said I would be better off renting if I could rent for less than $1000/mo. My house would rent for over $2000/mo. I believe the vacancy rate for rentals in my area is <4%. I might not be able to find a rental. Then what? I don't have that problem with owning my house. I beli...
by mhc
Fri Aug 08, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 79
Views: 7694

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

Mulch is much better for the soil.

My city offers free mulch. Does yours?

If mulch spills into the grass, I can just mow over it. Not so with rock, and I doubt you would want to mow over rubber mulch.
by mhc
Fri Aug 08, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1631

Re: Neighbor's Tree

I regularly trim my neighbors' trees that hang over my property. That is part of living in a neighborhood.

I enjoy the benefits of my neighbors' trees. I like having them near the property line. The price is some extra yard work, which I enjoy, especially trimming trees.
by mhc
Thu Aug 07, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3010

Re: Would you use a HELOC...? Why or why not?

If you have passive losses on the rental that you are carrying forward, I would use the HELOC to pay off the rental.

#1 is a no brainer if you can payoff the HELOC if it saves you money and you can pay off the HELOC before the interest goes up too high.
by mhc
Tue Aug 05, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use a HELOC to invest in VTSAX?
Replies: 22
Views: 1361

Re: Front load 529 or pace over time ?

It also depends on if you are saving enough for retirement and what your debt looks like.
by mhc
Tue Aug 05, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Front load 529 or pace over time ?
Replies: 6
Views: 584

Re: average American eats out 203 times per year

4 weeks of vacation a year: 28 days * 3 meals out = 84
48 weeks at home: 48 * 3 meals out = 144

Total: 228 meals out

Pretty easy to get to over 200 especially if you are away from home much.
by mhc
Tue Aug 05, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6356

Re: Do you consider your Roth as part of your EF?

I follow the tiered approach to my EF. Probably goes something like this:

1. Credit Card
2. Local Bank
3. Investments in Taxable Account
4. Roth IRA
5. 401k
:
:

I do not differentiate between my EF and retirement fund.
by mhc
Tue Aug 05, 2014 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider your Roth as part of your EF?
Replies: 30
Views: 1810

Re: What actions to take in a stock market crash?

You want to maintain your AA, but you also want to tax loss harvest (TLH). That sounds like what you were describing in your OP. You have to set some sort of TLH threshold, and then you start working through the different funds that you can use to TLH. That is why I like Vanguard. They have a lot of...
by mhc
Mon Aug 04, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5369

Re: What to tell friends who think "it's all a scam"

I would ask him why he thinks it is a scam. I would point out that there are ways to avoid the scams. The world is full of scams. That is life. Investing is no different. There are always people who want your money. Being informed and making wise choices help avoid the scams, but everyone falls for ...
by mhc
Mon Aug 04, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: What to tell friends who think "it's all a scam"
Replies: 64
Views: 5673

Re: Forced Stock sale

thegoogly wrote:I am being forced to sell my ESPP shares due to a company merger. I am worried about the big tax hit - as I had not planned for this. Any thoughts/advice on this please?


You can donate them to charity.
by mhc
Fri Jul 18, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced Stock sale
Replies: 11
Views: 1635

Re: kids during summer holidays

Two of my kids are doing track. 3 practices a week plus a few track meets on the weekends. 1 kid playing basketball. 2 practices a week plus 1 game plus a couple of tournaments. Swim lessons. Visit friends. Family vacations. Swimming. Being a kid. Playing in backyard, chores, watching TV, playing vi...
by mhc
Thu Jul 17, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: kids during summer holidays
Replies: 5
Views: 574

Re: retirement fund or college fund?

I tend to put all savings toward retirement. If all goes well, I can cash flow college expenses because I won't have to be saving so much for retirement. If all goes poorly, we will borrow for college.
by mhc
Thu Jul 17, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement fund or college fund?
Replies: 15
Views: 884

Re: meaning of volume

ketanco wrote:and what is a boogle style investor? :happy


Take a look at the wiki:
http://www.bogleheads.org/wiki/Boglehea ... philosophy
by mhc
Thu Jul 17, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: meaning of volume
Replies: 5
Views: 708

Re: Purchasing Food at Work

I eat breakfast and lunch at work every day. Breakfast: peanuts yogurt raw baby carrots banana Lunch: sandwich 1 fruit 1 vegetable I keep everything for breakfast at work. I can stock up for a few weeks with the peanuts, yogurt, and carrots, especially if they are on sale. If I miss going to the sto...
by mhc
Thu Jul 17, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 4053

Re: 401K Investment

Sounds like you need an Investment Policy Statement (IPS). http://www.bogleheads.org/wiki/Investme ... _statement

Do you have an IPS?

Your IPS should guide your decisions.
by mhc
Wed Jul 16, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Investment
Replies: 2
Views: 223

Re: what is "at-cost investing" ?

Here is a short video that may explain it to you:

http://www.youtube.com/watch?v=uNemEshTtfE
by mhc
Tue Jul 15, 2014 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: what is "at-cost investing" ?
Replies: 8
Views: 1374

Re: Neighbor's ugly overgrown bushes and fence

If you have room in your yard, plant some large shrubs or evergreens. If you don't have the space, then put up the tallest fence you can.
by mhc
Mon Jul 14, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3303

Re: Continue subscribing to local newspaper?

I got my annual bill this weekend. The price went up over 30%. I cancelled this morning. In 90 days I can re-subscribe for the lower new subscriber rate. If we miss the paper, I may re-subscribe.
by mhc
Mon Jul 14, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6362

Re: meaning of volume

In general, the volume of individual stocks means nothing to a boglehead style investor.

If you trade ETF's, volume can matter.
by mhc
Fri Jul 11, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: meaning of volume
Replies: 5
Views: 708

Re: Vanguard Target Retirement 2055 Fund Investor Shares

Starting off, it won't matter much. Your saving rate will dominate early on. Once you get $50k-100k, then look at what funds make up the TR fund. This can guide you in which ETF's or MF's to buy.
by mhc
Fri Jul 11, 2014 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund Investor Shares
Replies: 14
Views: 1485

Re: Analysis Paralysis has set in....

You can look at this in firecalc.com. I think you will see that it makes no tangible difference.
by mhc
Fri Jul 11, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Analysis Paralysis has set in....
Replies: 7
Views: 674

Re: Recent problems with Vanguard's website?

Anyone else noticing huge issues with the VG site and it's handling of linked outside accounts? It says it's "We are not able to update this account at this time as we are currently upgrading our data collection process for this financial institution. Please try again later" for my Bright...
by mhc
Fri Jul 11, 2014 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1542

Re: HSA savings on premium?

Make sure you factor in the tax savings of having an HSA.
by mhc
Thu Jul 10, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA savings on premium?
Replies: 9
Views: 1269

Re: How I look at $ in the real world vs my retirement accou

Wait until you lose a years salary in a month, or a week, or a day. That really demands an adjustment to your thinking. :twisted:
by mhc
Wed Jul 09, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5861

Re: How old is your OLDEST motor vehicle?

My oldest is my brand new 2004 CR-V purchased in 2003.

I like these polls and wording because it challenges our subjective definitions. I think people's responses show more than the actual poll.
by mhc
Wed Jul 09, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: How old is your OLDEST motor vehicle?
Replies: 15
Views: 1293

Re: Must-haves and Legal Needs for a Millionaire

You may want to look into umbrella insurance to protect your assets and future income.
by mhc
Wed Jul 09, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Must-haves and Legal Needs for a Millionaire
Replies: 17
Views: 4839

Re: Barbecue Set [Cooking tools]

I just picked up a new set of Weber tools from Walmart a few weeks ago. I really like them. They are large and feel good in the hand. They work great. http://www.walmart.com/ip/Weber-Basics-2-Piece-Stainless-Steel-Tool-Set/23014577 You could also pick up a brush. If you want to spend more money, you...
by mhc
Wed Jul 09, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Barbecue Set [Cooking tools]
Replies: 12
Views: 1146

Re: Advice for how to fund my wedding

Option 1. You can always sell investments if necessary when it comes time to buy the house. This way you avoid paying taxes until you really need to. Plus, your cash is not earning you any money.

Congrats on the wedding. Sounds like it will be really nice.
by mhc
Tue Jul 08, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2862

Re: Do you deviate from the owner's manual?

I don't know what my owner's manual says for either. I change the oil once or twice a year. Basically, I change it when I get around to it. For gas, I buy the lowest octane when I fill up locally. In the midwest, the lowest cost is sometimes a higher octane ethanol mix I believe. I basically fill up...
by mhc
Tue Jul 08, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Do you deviate from the owner's manual?
Replies: 35
Views: 3232

Re: Unknown Time Horizon

I agree that your AA is not so important when you are first starting out. Your saving rate will dominate early on. Your plan sounds good to me.
by mhc
Tue Jul 08, 2014 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unknown Time Horizon
Replies: 12
Views: 809

Re: When do you "limit" saving and start to spend more?

This is how I do it. I have a goal of being able to retire at age 55 and be able to spend $X/yr. To reach that goal, I need to save $Y/yr. Whatever is left over goes to expenses and enjoying life. I'm flexible in when I retire, but I know I need to have my ducks in a row sooner rather than later bec...
by mhc
Tue Jul 08, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you "limit" saving and start to spend more?
Replies: 39
Views: 3979

Re: ETF Dividends - DRIP or use for rebalancing?

taxable: rebalance
tax sheltered: dividend re-investment

Things to consider in making decision:
1. TLH
2. Rebalancing
3. Effort
by mhc
Tue Jul 08, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF Dividends - DRIP or use for rebalancing?
Replies: 8
Views: 456

Re: Raise and Promotion...more money, now what?

With the raise, will you have access to a deferred compensation plan? If so, that would increase your tax sheltered space. I would be aggressive on paying off the loan. Have a nice dinner and celebrate, and then maintain you current standard of living. Use the raise to increase your savings and not ...
by mhc
Tue Jul 08, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Raise and Promotion...more money, now what?
Replies: 9
Views: 1577

Re: Cash allocation in a portfolio

Hi pop77, As sometimes happens, I can't choose any of the selections because they include two elements, in this case: how much cash; plus why. The whys prevent me from agreeing to any of the options. As it happens my portfolio has zero percent cash, but not for any of the reasons you list. There ar...
by mhc
Tue Jul 08, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Cash allocation in a portfolio
Replies: 42
Views: 3805

Re: Cash allocation in a portfolio

I didn't see any options that fit what I do. I have bonds/equities/cash in my AA. I rebalance as necessary to stay within my desired AA. As far as I know, bonds could go down as equities go down. It may not call for rebalancing; hence, my bonds are not necessarily for buying equities on a downturn. ...
by mhc
Mon Jul 07, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Cash allocation in a portfolio
Replies: 42
Views: 3805

Re: Adjusting tax withholding for bonus

That 40% might be Federal+State+FICA. 40% might be the right percentage to withhold. I would just wait and see. Once you get your pay stub for the bonus, check how you are doing on taxes for the year. If you have over paid a lot, then adjust your exemptions. If you have under payed taxes, then look ...
by mhc
Mon Jul 07, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Adjusting tax withholding for bonus
Replies: 5
Views: 341

Re: Light Bulb Durability

I would make sure I kept everything to exercise the warranty.

In general, heat cycling anything will shorten the life of a product.

I would try LED's. Make sure you save the warranty information.

Could you install solar tubes or something to minimize the need for electric lights?
by mhc
Sat Jul 05, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4543

Re: Neighbor's Fireworks

If you can easily access your roof, then just clean it up before it clogs your down spouts.

If this is the worst thing your neighbor does, then you are in good shape.
by mhc
Sat Jul 05, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4484

Re: Continue subscribing to local newspaper?

In my market, the local paper is the only way to get local news. My DW reads the hard copy. I look at it on-line. I prefer the on-line version because I can also see the comments of people. Since I read the paper to learn what is going on locally, the comments help me better understand other view po...
by mhc
Fri Jul 04, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6362

Re: POLL: Are You Re-Balancing?

I did yesterday. My bonds were at 17.5% and my target is 19%. I did it because it is a slippery slope for me. I much rather have all equities in this bull market. If I say, why add bonds when interest rates are sure to rise and equities are doing so well, I may let my bonds continue to slide down. K...
by mhc
Fri Jul 04, 2014 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5020
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