Search found 2801 matches

by mhc
Mon Jul 27, 2015 2:26 pm
Forum: Personal Consumer Issues
Topic: Best Pellet Smoker for the money? Rec Tec?
Replies: 2
Views: 397

Re: Best Pellet Smoker for the money? Rec Tec?

I know several people who love their Traegers. For steaks you could pick up a Weber charcoal grill. I have a propane smoker, charcoal grill, and propane grill. My favorite is the charcoal grill. It is easy and versatile. You could get a Traeger for under a $1000 and also get a Weber charcoal grill. ...
by mhc
Mon Jul 27, 2015 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partners for VG international funds?
Replies: 7
Views: 363

Re: TLH partners for VG international funds?

I use them. Why do you think they are too similar?

You can also use Developed and Emerging in the correct ratio to cover Total International.
by mhc
Mon Jul 27, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Online chart of performance that includes reinvested divs and cap gains?
Replies: 2
Views: 232

Re: Online chart of performance that includes reinvested divs and cap gains?

Here is what Morningstar says about their growth charts: http://www.morningstar.com/invglossary/growth_of_10000_definition_what_is.aspx Growth of 10,000 The Growth of $10,000 graph shows a fund's performance based on how $10,000 invested in the fund would have grown over time with dividends reinvest...
by mhc
Fri Jul 24, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Performance review for Boss!
Replies: 20
Views: 2218

Re: Performance review for Boss!

After filling out an anonymous review on my manager once (I was foolish to believe HR), my manager walked into the staff meeting, looked me dead in the eyes, and quoted word for word one of my statements from the anonymous review. My foolishness was cured immediately.
by mhc
Thu Jul 23, 2015 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1423

Re: Is the Vanguard advisor service worth while for me?

If you have a lot of unrealized gains, you are less likely to be able to TLH. Would the service overcome the $900 head winds? If the funds have a lot of unrealized gains, I doubt it since TLH does not occur too often and your marginal tax rate is low. The other thing is TLH only takes about 2 minute...
by mhc
Wed Jul 22, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Piggyback loan vs PMI
Replies: 2
Views: 309

Re: Piggyback loan vs PMI

Sounds like it saves money to do the piggyback loan and that you prefer it. Do it. I think you have a clear understanding of the issues. I've done it before with no issues. I used a variable rate HELOC for my 2nd and paid it off quickly. No surprises.
by mhc
Tue Jul 21, 2015 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: $11,000 bonus...where should I put it?
Replies: 27
Views: 2454

Re: $11,000 bonus...where should I put it?

Roth space is valuable in my eyes. It is use it or lose it. The money in there will "never" be taxed. I would backdoor the max to the Roth. With your income level, you should still be able to pay off a large part of the 5.5% loan. Maybe have it gone in 1-2 years. I wouldn't attack the stud...
by mhc
Thu Jul 16, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Home landscaping dilemma
Replies: 21
Views: 2170

Re: Home landscaping dilemma

Go for the ideal backyard if you will enjoy it and can afford it. It's only $10-15k extra.
by mhc
Wed Jul 15, 2015 9:31 am
Forum: Investing - Help with Personal Investments
Topic: All Eggs in One Basket?
Replies: 20
Views: 2388

Re: All Eggs in One Basket?

If you want to better understand how Vanguard would protect all of your money, then I suggest calling them and having them explain it to you. If they can't give you a satisfactory answer, then don't do it. Many people have more than $500k at Vanguard. I have no problem with it because I have never s...
by mhc
Fri Jul 10, 2015 7:46 am
Forum: Personal Consumer Issues
Topic: Roof done: call company to pay or wait from them to call?
Replies: 10
Views: 1466

Re: Roof done: call company to pay or wait from them to call?

The person who does the billing may be on vacation. Give it a week or so. I've had this happen with smaller companies.
by mhc
Thu Jul 09, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 68
Views: 4544

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

I just take out a large chunk each time I go to the ATM. I carry a few hundred with me and put the rest in a jar at home. Some people don't realize that cash is still necessary in some places. They also don't realize that 7-11s, Targerts, and CVSs are not everywhere. I don't know the last time I dro...
by mhc
Mon Jun 29, 2015 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Savings plan "pivot"
Replies: 17
Views: 1743

Re: Savings plan "pivot"

Working until 65 sounds like a good plan, but unfortunately a lot of people can't due to one reason or another. If I was 33 I would try to be FI by 50-55. If I was still able and willing to work, then I would. I agree with the idea that you shouldn't save more than you need to. It is just hard to pr...
by mhc
Fri Jun 26, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: Best Way to Conduct Online Meetings?
Replies: 15
Views: 778

Re: Best Way to Conduct Online Meetings?

Webex in Windows 7 works very well. I like it better than GotoMeeting. I use Webex for internal and external meetings flawlessly. Only time I see someone having a problem with Webex is when they are trying to run it from Linux. Then again just about everything in Linux is buggy.
by mhc
Thu Jun 25, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Couples and money and compatibility
Replies: 38
Views: 4395

Re: Couples and money and compatibility

My DW has little interest in money or investing. She pretty much goes along with my style. The only issue is she does not look at prices or bargain shop like I do. If something is too expensive, I'll go without. Since she doesn't look at prices, she'll buy it. Very minor irritant to me. Otherwise, m...
by mhc
Thu Jun 25, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 53
Views: 4791

Re: Colorado Vacation suggestions

The wagon ruts mentioned above are in Guernsey, Wy. If you are close, they are worth seeing, but don't go out of the way. The ruts were formed as part of the Oregon Trail. If you are interested in the Oregon Trail, go to Scotts Bluff National Monument. The visitor center has a really good movie and ...
by mhc
Wed Jun 24, 2015 11:01 pm
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 53
Views: 4791

Re: Colorado Vacation suggestions

I live in Colorado, and I have traveled most of the state. Here are my favorites. 1. Million Dollar Hwy (Durango, Silverton, Ouray). Spend the night in Ouray and enjoy the hot springs. 2. Estes Park to see Rocky Mountain NP. I live 45 minutes from there. We go several times a year, and I never get t...
by mhc
Wed Jun 24, 2015 2:53 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27867

Re: What ratio are you stocks/bonds and how old are you?

47: 80/20 Based mostly on need (I'm willing to do whatever it takes and my ability is what it is). I'm on the cusp of beginning my glide path which is based on my goal, progress towards that goal, with an age safety factor. I have 4 planed steps, each at a certain percentage of my goal, but with a ...
by mhc
Tue Jun 23, 2015 9:13 am
Forum: Personal Finance (Not Investing)
Topic: multiple non-retirement brokerage accounts
Replies: 2
Views: 312

Re: multiple non-retirement brokerage accounts

I don't. You may want to take a look at: http://www.sipc.org/for-investors For example: http://www.sipc.org/for-investors/investors-with-multiple-accounts SIPC protection of customers with multiple accounts is determined by "separate capacity." Each separate capacity is protected up to $50...
by mhc
Mon Jun 22, 2015 10:31 pm
Forum: Investing - Theory, News & General
Topic: Improving cost basis
Replies: 17
Views: 1811

Re: Improving cost basis

I don't buy into market timing.

I improve my cost basis by donating my most appreciated shares and use new money to buy whatever is needed to maintain my AA.
by mhc
Fri Jun 19, 2015 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Ticker Symbols on 401k Northern Trust Funds
Replies: 7
Views: 611

Re: Help with Ticker Symbols on 401k Northern Trust Funds

Notice the word Collective in the fund names. I have CITs from Northern Trust also. I just use the ticker for a Vanguard fund for a proxy.
by mhc
Fri Jun 19, 2015 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 17814

Re: Is it worth aspiring to get more?

It is a very personal decision. My current plan is to be set to retire at 55. I then plan on working a few more years to upgrade the house and/or take some very expensive vacations. How long I work will depend on circumstances of course (e.g., can I still work, will I get laid off, can I stomach goi...
by mhc
Tue Jun 16, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: RSU vs Stock Options
Replies: 10
Views: 1104

Re: RSU vs Stock Options

My company gives equal expensed amounts of RSUs and NQSOs. I believe it is a wash because they are of equal value at grant. There are pro's and con's to each relative to the other, but I believe it is a wash. Many people prefer RSUs because they never go underwater. That is fine if that is their cho...
by mhc
Tue Jun 16, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6431

Re: Most Beautiful Nature Destinations

Yellowstone Canyon in Yellowstone NP is my favorite. I'm not sure the rest of the park is the most beautiful, but it is the most amazing. Canyonlands NP has some truly beautiful big views. Glacier NP is very beautiful. Waterton on the Canadian side is also beautiful. Some out of the way ones in Colo...
by mhc
Fri Jun 12, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: comp time for weekend work/travel?
Replies: 22
Views: 1754

Re: comp time for weekend work/travel?

the official company policy is to "discuss comp time with your manager". Since your work is not flexible with work hours, I would probe your manager to see what he thinks about comp time. Maybe something like, "Hey manager, what are your thoughts on comp time when an employee has to ...
by mhc
Fri Jun 12, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: comp time for weekend work/travel?
Replies: 22
Views: 1754

Re: comp time for weekend work/travel?

I have no idea if my company gives comp days, but they are very flexible in my work hours. If your company is flexible with you, then I recommend that you be flexible with them and not ask for comp days. I had to travel on a holiday once. One of my co-workers asked the manager in a staff meeting if ...
by mhc
Mon Jun 08, 2015 9:53 am
Forum: Investing - Theory, News & General
Topic: hard to track Roth Conversions at Vanguard site
Replies: 8
Views: 835

Re: hard to track Roth Conversions at Vanguard site

Montanagirl, I just logged into my Vanguard account. I selected my Roth IRA in Account Activity. I then selected Transaction History. I see my IRA to Roth conversion listed as "Exchange to" because I did an exchange from my IRA to Roth. If you are using exchanges (name of mechanics to go f...
by mhc
Sun Jun 07, 2015 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6640

Re: What Percent Of Your Annual Expenses Are Property Taxes?

~1.8%

The easiest way to drop this number is to spend more. :twisted:
by mhc
Thu Jun 04, 2015 8:50 am
Forum: Personal Finance (Not Investing)
Topic: no more complimentary CFP yearly consultation?
Replies: 20
Views: 2783

Re: no more complimentary CFP yearly consultation?

Vest74,

call your Rep and see if you can have a CFP consultation. Vanguard does not advertise the CFP annual review anymore, but I thought customers still had access to a CFP if they are at the appropriate service level.

Anyway, I think a Boglehead review could be more valuable.
by mhc
Wed Jun 03, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: Visiting Nephews: Water Guns and Nerf Weapons
Replies: 29
Views: 3809

Re: Visiting Nephews: Water Guns and Nerf Weapons

Water guns and nerf weapons are still cool. My kids love them. If you want to be really cool, show up with a bow and arrow and do some archery.
by mhc
Mon Jun 01, 2015 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Using Donar Advised Fund like a mega-Roth
Replies: 14
Views: 858

Re: Using Donar Advised Fund like a mega-Roth

A possible consideration - my former employer offers a 1:1 match for active employees & a 1:2 match for retirees on 'qualifying' charitable donations. Donor directed charitable trusts don't make the cut - so while I save on taxes, my favored charities miss out on the match. Good point. Unfortun...
by mhc
Mon Jun 01, 2015 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Using Donar Advised Fund like a mega-Roth
Replies: 14
Views: 858

Re: Using Donar Advised Fund like a mega-Roth

One thing to consider is that all DAFs, even the lowest cost one (Fidelity, Schwab,Vanguard) charge at least 60 basis point or so administrative fee in addition to the ER for the investments you choose. Thank you. I guess I should do the calculation of the administrative fee vs tax free growth (e.g...
by mhc
Mon Jun 01, 2015 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Using Donar Advised Fund like a mega-Roth
Replies: 14
Views: 858

Re: Using Donar Advised Fund like a mega-Roth

Another con is that you will not get a tax deduction in future years for charitable contributions. This could mean that you are no longer eligible itemize, too, because you do not have enough other deductions. Thanks. I'm not sure that is a pro or con. I live in a state with a low property tax, and...
by mhc
Mon Jun 01, 2015 8:55 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a Pedometer
Replies: 22
Views: 1707

Re: Recommendations for a Pedometer

I bought this one 5 years ago, and I really like it. No bells and whistles.

Omron HJ-112 Digital Pocket Pedometer

My kids got my wife a fitbit, and she likes it. Lot's of bells and whistles.
by mhc
Mon Jun 01, 2015 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Using Donar Advised Fund like a mega-Roth
Replies: 14
Views: 858

Using Donar Advised Fund like a mega-Roth

This probably does not apply to many, but I am considering using my DAF like a mega-Roth. Let me know if I am missing something or am I just confused. I played with Turbo-Tax this year, and my marginal tax rate for combined state/federal is 40%. I plan on retiring in ~10 years. I suspect that my mar...
by mhc
Mon Jun 01, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Ques. about selling stocks/bonds & taxes
Replies: 4
Views: 330

Re: Ques. about selling stocks/bonds & taxes

Welcome to the forum! If this is all within the Roth, there will be nothing to report to the IRS. The sweep account can be used to hold money. At the brokerages I use, I can do an exchange of mutual funds. Essentially, an exchange is a single step which sells one fund and uses the proceeds to buy an...
by mhc
Sat May 30, 2015 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Mutual fund dividend reinvestment
Replies: 2
Views: 452

Re: Mutual fund dividend reinvestment

There are lots of bond funds. You could hold different bond funds in the ira and taxable accounts to avoid wash sales.
by mhc
Thu May 28, 2015 9:03 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

History may not repeat. I switched from an historical simulation to monte carlo. The success rate drops to almost 86%. Still looks like you are in good shape, especially if you are flexible in your spending. Also, does your $55k a year include any large expenditures like a new car or new roof every ...
by mhc
Wed May 27, 2015 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: company stock options
Replies: 2
Views: 232

Re: company stock options

Welcome to the forum! When you say stock options, do you mean Restricted Stock Units (RSUs), non-qualified stock options (NQSOs), or Incentive Stock Options (ISOs)? The type determines the strategy to use. It kind of sounds like RSUs. For RSUs I have the company withhold shares to cover the taxes. I...
by mhc
Wed May 27, 2015 11:50 am
Forum: Personal Consumer Issues
Topic: Best Kid Toys
Replies: 32
Views: 2769

Re: Best Kid Toys

My kids loved Thomas the tank engine. We had a train table so they could build the wooden tracks. Later, the tracks got so big they moved to the floor.
by mhc
Wed May 27, 2015 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Would you compliment 500 Index with Extended Market or Tax Advantaged Small Cap?
Replies: 15
Views: 1744

Re: Would you compliment 500 Index with Extended Market or Tax Advantaged Small Cap?

I would add the non-tax managed Small Cap Index. I use a large cap and small cap in my 401k for the US market.

I think it is somewhat splitting hairs at this point.
by mhc
Tue May 26, 2015 10:31 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7529

Re: Once in a life time trip.

Depends on what the kids like. More than likely, Disney World would be the best for most kids. If they like dolphins, go somewhere tropical that they can swim with dolphins. If they like football, take them to the Superbowl next year. My 7 year old daughter is fascinated with the terra-cotta soldier...
by mhc
Thu May 21, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 4404

Re: Put money down on new car, dealer wants color change

I would never put earnest money down. If they want to sell me a car, that will get what I want with no earnest money. You should either get your money back in full or ask for a discount that you feel is appropriate for not getting your color. Only you can decide what is an appropriate discount for n...
by mhc
Tue May 19, 2015 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Living on last months income.
Replies: 33
Views: 3601

Re: Living on last months income.

I don't track my monthly income, so I am sure I don't live on last months income. I only track how much is spent each month. I know that what we spend is much less than our income.
by mhc
Tue May 19, 2015 8:27 am
Forum: Investing - Help with Personal Investments
Topic: How to treat stock option
Replies: 2
Views: 313

Re: How to treat stock option

I would not include the money in any planning. In 20 years too many things can happen.

Also, your title is misleading since this has nothing to do with stock options.
by mhc
Mon May 18, 2015 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Contribution - Appreciated Shares
Replies: 15
Views: 629

Re: Charitable Contribution - Appreciated Shares

cheese_breath wrote:Or you could consider pulling that old IBM 286 out of the basement or firing up Lotus Notes. :P

I still have a couple Symphony tax spreadsheets I converted to Excel eons ago.


Do you mean Lotus 1-2-3?
by mhc
Mon May 18, 2015 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Contribution - Appreciated Shares
Replies: 15
Views: 629

Re: Charitable Contribution - Appreciated Shares

Since you are investigating, are you familiar with Donor Advised Funds? They can make donating shares easier. There should be a wiki page on them.
by mhc
Mon May 18, 2015 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Contribution - Appreciated Shares
Replies: 15
Views: 629

Re: Charitable Contribution - Appreciated Shares

Since you reinvest dividends and gains, be careful not to donate shares held less than a year. You will lose some of the tax benefits.

I use specific ID to donate shares with the most appreciation.
by mhc
Sat May 16, 2015 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: On a Scale of 1 - 10.. [Portfolio evaluation]
Replies: 34
Views: 2628

Re: On a Scale of 1 - 10.. [Portfolio evaluation]

8

It is a really good portfolio. I lowered the score mainly for having a 12 month emergency fund. I think it is way too much unless you have special circumstances that demand it.

I also think you have too many funds, but that is because I prefer fewer funds.

Good job.
by mhc
Sat May 16, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 13323

Re: How much does social security factor into your retirement income?

I sometimes wonder if those who plan to retire in their late 40s to mid 50s understand the effect they will have on their SS benefit and the long term effect that can have on their retirement. It is very easy to look at your SS statement and think "Wow, I have a great benefit I don't need to c...

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