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Re: Bad(?) advice given about Target Date Retirement funds

This AA stuff is not a Science and is not sooooooo precise Yeah, but an 80/20 has twice as many bonds as 90/10. I'd say the psychological difference between those two is the largest, much greater than the difference between say 60/40 and 50/50. I think if someone says 80/20 that 90/10 is likely to ...
by sls239
Wed Aug 27, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6356

Re: Bad(?) advice given about Target Date Retirement funds

So if someone who was 30 years old said I'd prefer an 80/20 allocation and I want something I can just hold long-term, would anyone really advise them to buy the TR 2035 fund instead of the TR 2050 fund?
by sls239
Wed Aug 27, 2014 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6356

Re: New home worth the extra $$?

We've bought a new house, a 10 year old house, and a 20 year old house (in 3 different states). But you don't just buy the house, you buy into the neighborhood. And 10 year old neighborhoods have a different feel than brand new ones. Money-wise, I think getting the 10 year old house for 25K less is ...
by sls239
Tue Aug 26, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: New home worth the extra $$?
Replies: 17
Views: 1736

Re: Where to buy little plastic bottles?

+1 on Container Store. They have a variety of different types.
by sls239
Mon Aug 11, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy little plastic bottles?
Replies: 24
Views: 1620

Re: Convince me I can make a dumb (car-related) purchase

Since you specifically asked, here goes. Sometimes people get so caught up in how good something is - and patting themselves on the back for recognizing "quality" that they forget that they don't need it to be that good. My advice is to ask to take the car on a test drive of your actual co...
by sls239
Mon Aug 11, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4249

Re: Attitudes toward inheritances.

This thread makes me glad that the older people in my life have pensions and not wealth.
by sls239
Wed Aug 06, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 110
Views: 9438

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

If we are talking about money that wouldn't otherwise go into a Roth unless you also count it as an EF, then that's fine. But many people have some other discretionary money that could take that role instead - like a vacation fund or car replacement fund. In case of an emergency remember - don't thr...
by sls239
Wed Aug 06, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider your Roth as part of your EF?
Replies: 30
Views: 1815

Re: W/ AA - consider all accounts as one, including spouse?

We manage ours as one portfolio and here's how we do it, just as an example: We have an 80/20 non tax adjusted stock bond split, with 20% of the stocks being international Husband's current 401(k) - best fund was a total stock market index type fund so it is all in that. Husband's rollover IRA - hol...
by sls239
Sat Aug 02, 2014 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: W/ AA - consider all accounts as one, including spouse?
Replies: 23
Views: 1086

Re: I-bond purchasing strategy

Honestly, my strategy is to pull up the Bogleheads forum the last week of April and the last week of October and ummm... do what they tell me

They are I-bonds, you can't go that wrong.
by sls239
Fri Aug 01, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: I-bond purchasing strategy
Replies: 16
Views: 2217

Re: Two days in Little Rock, AR - What to do and see?

The Clinton Library has a special Chiuly exhibit right now that is really pretty too - one is inspired by the ocean, so I think even a toddler would make that connection. The parking at the library is free and there's a free shuttle over to the gift shop which is where the River Market district and ...
by sls239
Thu Jul 31, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1494

Re: POLL: Walmart vs Amazon

Well I'm in AR so we get all kinds of Wal-Mart. And to be honest, the absolute nicest, cleanest, most convenient grocery store near me is a Wal-Mart neighborhood market. And every item I've priced compared is just as cheap as it is at the full Wal-Mart (although that could change in the future.) And...
by sls239
Tue Jul 15, 2014 10:20 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8543

Re: High end purses

I'm not sure I'd call $300 "high end" for a purse. My feelings are that the "upper middle" items are generally the worst deals. But that isn't to say that you can't find a nice one, I'd just expect to have to work for it a little. I wouldn't expect a $300 purse to last decades, u...
by sls239
Tue Jul 15, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12668

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

In a non-bogleheadish move, we made an unplanned refrigerator purchase last black Friday. We got a Kenmore elite french door which I think is made by LG. I really like it. The top two shelves have a slide in so you get flexibility without having to rearrange the shelves and it has the door - in door...
by sls239
Mon Jul 07, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 49
Views: 3672

Re: Suggestion on Asset Allocation Strategy

Well I haven't got it all worked out yet, but I'm basing my allocation on the idea that 30X earnings is a good point at which to retire with assets allocated 50/50. So my goal is to ramp it down as the assets reach certain multiples of earnings so it might go something like this: <5X -> 90/10 5X - 1...
by sls239
Fri Jul 04, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestion on Asset Allocation Strategy
Replies: 2
Views: 285

Re: If you wouldn't buy (stocks), then you must sell

Don't conflate the anxiety that comes with having to make a decision with the anxiety that results from that decision once made. They are not the same.
by sls239
Thu Jul 03, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: If you wouldn't buy (stocks), then you must sell
Replies: 32
Views: 3087

Re: What is the risk of having too much house

My standard suggestion is to live for the next 6 months / year as if that were your mortgage payment. Also calculate any difference in utilities / maintenance. Put that money into savings. If you like what you experience, then you'll just have that much more down payment. If you don't like it, you w...
by sls239
Wed Jun 25, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the risk of having too much house
Replies: 51
Views: 4536

Re: ? Best car for a new driver

I'd say you'd want ESC because one thing I think inexperienced drivers have the most trouble with is adverse road conditions.

So a 2011 Ford Fiesta might be the cheapest car you could get with that. And it would go up from there.
by sls239
Sat Jun 21, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: ? Best car for a new driver
Replies: 41
Views: 1411

Re: water bottles and road trip

I'd have a water jug / cooler (2-5 gallons) and then everyone have a reusable bottle they can take with them. But you'll still probably need to get water (and ice) at least every 2 days. We deal with it by drinking tap water. Most campsites except the backwoods ones have water spigots. But I suppose...
by sls239
Sat Jun 21, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 1844

Re: 2.25% mortgage:pay off vs invest

I don't think those are your only options.

And I think if you have been doing just fine without this windfall, then maybe you should be looking at the bigger picture.
by sls239
Thu Jun 19, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2.25% mortgage:pay off vs invest
Replies: 19
Views: 1477

Re: pay off mortgage or ROTH

I'm going to assume you know that Texas is a community property state and all the implications thereof, despite your obviously separate mental accounting. An opportunity to make Roth IRA contributions in a state with no income tax is not something to dismiss if you think you might later find yoursel...
by sls239
Wed Jun 18, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay off mortgage or ROTH
Replies: 58
Views: 3924

Re: Are hybrid cars a good idea yet?

I think keeping my 12 year old 140K mile Honda Civic hybrid is a very good idea. :D You have to look at what is available and see if you like the tradeoffs, just like you would have to do with anything. I will say that a highway commute is much less likely for a hybrid to make sense than a city one....
by sls239
Fri Jun 13, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8285

Re: HOA questions

What stands out in your post to me is the mention of a management company. I've been a board member in two different HOAs and one utilized a management company and the other did not and the experiences were quite different. The first step is to determine which organization administers what you are i...
by sls239
Fri Jun 06, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA questions
Replies: 43
Views: 3343

Re: Need advice on whether to sell house or stay put

Financially, I can't say I have enough information to go on. You say you can build the house at cost - and that's fine - but what you don't say is if you built a house to sell to someone else, how much money could you make? Since building is your profession, and building your own home would necessar...
by sls239
Fri Jun 06, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on whether to sell house or stay put
Replies: 19
Views: 944

Re: New PC - Buy Office or use free alternatives

I used Thunderbird for several years and recently went back to Outlook. I really like Outlook, largely because of the Calendar options. The ability to share, sync, color co-ordinate, link, and attach between calendar and e-mail, make tentative appointments and so forth is just really useful to me. A...
by sls239
Tue May 20, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 29
Views: 2081

Re: Emergency Fund Revisited

I don't base it on any notion of "normal expenses" because I don't think emergencies take into account your normal expenses. One way that I think of my emergency fund is money that is available in a crisis that would not put my long term financial stability at risk. For example, if a close...
by sls239
Tue May 20, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Revisited
Replies: 24
Views: 1860

Re: [Parents thinking about making home loans to children]

To look at it from the other side... I do know a family whose parents lent them the money to buy their house. It was an unexpected pregnancy and the money allowed them to buy in a good school district. The parents were very nice about it and didn't tie any extra strings to the money. Their daughter-...
by sls239
Sat May 17, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Parents thinking about making home loans to children]
Replies: 18
Views: 1093

Re: Thoughts on prenups

You have to know what your objective is and why that objective requires a pre-nup. A common reason would be if there were separate debt or large individual expenses that would be paid with marital assets. Another is if you don't feel like the all the income you earn is "yours" to share wit...
by sls239
Mon May 12, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on prenups
Replies: 99
Views: 4216

Re: New Car vs Used Car -- how to decide?

I think you have to consider if you are the type of person to hang on to a car for over a decade (buy new) or if you'd like to be able to change cars every 5 years or so and do it affordably (buy used). So I think some of the decision hinges on how well you can project your needs out into the future...
by sls239
Mon May 12, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: New Car vs Used Car -- how to decide?
Replies: 29
Views: 2219

Re: Are Tornado Shelters Worth the Cost?

What is your current tornado plan? Everyone needs a plan, but not everyone needs their own shelter. If you are lacking protection from even smaller sized tornadoes, then you might enjoy the convenience of your own shelter since you will be using it more often. You might even consider pushing for a c...
by sls239
Fri May 09, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Are Tornado Shelters Worth the Cost?
Replies: 52
Views: 3744

Re: Pay a higher mortgage to get house you want?

You have to look at what you'd be giving up. You have to decide if the happiness that the house will bring you is greater than the happiness of the next best thing that money could get you. The things most likely to be chosen over a nice house are things that are experiences, like travel. Getting a ...
by sls239
Fri May 09, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Pay a higher mortgage to get house you want?
Replies: 13
Views: 2006

Re: I like the investment strategy , not really the lifestyl

but what if my quality of life diminishes to the point I wouldn't be able use the money in a way I would like to Being sick or disabled and being broke is worse than being retired and being broke. If something did happen to you and you couldn't spend the money the way you'd want, you'd probably be ...
by sls239
Thu May 08, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: I like the investment strategy , not really the lifestyle
Replies: 67
Views: 6655

Re: Should I be worried about my girlfriend's debt?

I'm just going to take the question for what it is. So you are thinking about moving in together and don't really know how to work the finances given that your gf student loans may make it difficult for her to have as much disposable income as you do. Yep. Living with someone who can afford everythi...
by sls239
Wed May 07, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be worried about my girlfriend's debt?
Replies: 57
Views: 4846

Re: Vehicle for family of 3 + occasional guests

Is there a carseat or high-back booster in the back? If so, I'd suggest not expecting grandma and grandpa to fit in the back of an CRV or Rav and certainly not for any drive longer than 3 miles. The shoulder room is limited and car seats just eat up shoulder room.
by sls239
Wed May 07, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Vehicle for family of 3 + occasional guests
Replies: 10
Views: 2154

Re: How much house can you afford to buy? When is it to much

Well do you want to continue "penny pinching?"

Because if you buy that house you will almost certainly have to. I don't like houses that require penny pinching personally.
by sls239
Mon May 05, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much house can you afford to buy? When is it to much?
Replies: 34
Views: 4163

Re: caribbean cruise with children

With Disney, getting the best price is relatively straightforward. You can either make a reservation on day 1 - which is over a year in advance, or you can wait and see if a discount rate pops up on a cruise that isn't selling as well. Discount rates for Disney are designated IGT, OGT, VGT (inside, ...
by sls239
Mon May 05, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: caribbean cruise with children
Replies: 29
Views: 1666

Re: Purchasing first smartphone, need advice

My advice is to go to Sams or Costco or a Verizon or ATT store and try out the phones. You don't have to buy there, and you don't have to get the latest model, but you could discover that you have certain preferences that narrow down your choices. I had T-mobile pre-paid for years and did just fine ...
by sls239
Thu May 01, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4239

Re: Are I Bonds a part of your portfolio?

We just finished rolling our e-fund over to I-bonds. Next up is college savings. We have an ESA but obviously the contribution limit is $2K / year. The 529 for our state has fairly high expenses. So I-bonds IMO are a reasonable place to turn to for that. That of course means we are within the income...
by sls239
Thu May 01, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Are I Bonds a part of your portfolio?
Replies: 53
Views: 4109

Re: Convince me to lump sum into the market

A month after getting a million+ dollars? I wouldn't even try. You shouldn't do anything for 6 months. You need to evaluate how this money impacts your goals. But if you really are going to DCA - I have to ask: If you put the first month's in, and valuations go up for the month, would you be more ne...
by sls239
Wed Apr 30, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince me to lump sum into the market
Replies: 57
Views: 11114

Re: Expiration of Best By dates on canned or packaged food

Well improper storage doesn't always show externally. And imagine a poor person who visits the food pantry getting something, getting it home, and realizing it isn't fit to eat. What are their options at that point? It isn't like they can afford to just go off to the grocery store and get something ...
by sls239
Tue Apr 29, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Expiration of Best By dates on canned or packaged food
Replies: 18
Views: 2792

Re: POLL: "Channel Trading", advanced concepts

it worked well. Except for Sprint when it was collapsing in 2000. As I recall, stocks that were collapsing precipitously like that didn't do so well. And that is why you wouldn't do it. Especially with your employer's stock. It is just silly to increase the odds that your "safe" money wou...
by sls239
Tue Apr 29, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: "Channel Trading", advanced concepts
Replies: 22
Views: 1982

Re: True cost of a mortgage when refinancing or selling

Which basically tells me that when refinancing (or moving), I need to either get a big drop in interest rate or go to a shorter term (obviously need to do the math first). Not really. Say you buy a 100K house and live there for 5 years paying down a 30 year mortgage. Then you unexpectedly sell it t...
by sls239
Mon Apr 28, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: True cost of a mortgage when refinancing or selling
Replies: 16
Views: 3326

Re: Where are the Opportunities now ?

If you look at the markets for opportunities, you have a very good chance of being flat out wrong sooner or later. And if you are going to risk it, why would you not want to risk it on something you have a passion for? Maybe you should stop putting money into your 401K and start investing in the bus...
by sls239
Sat Apr 26, 2014 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 37
Views: 3598

Re: How long to pay off your mortgage?

Well all of our investing is in tax advantaged accounts. So there really isn't any extra money just floating around. I think we made the mortgage a priority just by getting one with a 15 year term.
by sls239
Sat Apr 26, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to pay off your mortgage?
Replies: 66
Views: 15204

Re: Am I stupid if I use my Roth IRA for a home downpayment?

I'll apologize if I missed something but why would you just not switch the $11K after tax roth contribution to the out-of-pocket equivalent pre-tax contribution? That would come pretty close to maxing out your pre-tax contributions. Then you could continue your savings as planned. And tax-wise, what...
by sls239
Fri Apr 25, 2014 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I stupid if I use my Roth IRA for a home downpayment?
Replies: 28
Views: 3344

Re: Vanguard e-delivery

Does e-delivery mean e-delivery or do you still get a heap of regular mail? They send you regular mail when you make certain changes, like your address. They will send one letter to the old address and one to the new address. I'm chuckling at the question if I have any e-statements from 1994. I was...
by sls239
Thu Apr 24, 2014 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard e-delivery
Replies: 26
Views: 1308

Re: Boglehead used car problem. Run It or ditch it?

You should save up enough to buy a new car in cash. If you have the money and don't like uncertainty - it is OK to spend your money to reduce uncertainty. I wouldn't bother with another used car because I think that same uncertainty will creep in on you. That said, my spouse drives an '04 Honda with...
by sls239
Tue Apr 22, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 26
Views: 2502

Re: POLL: why carry cash?

My bete noir are people at the grocery store checkout who insist on bagging their own groceries while the cashier waits, then after bagging, swipe their card. In this regard I do observe a gender gap. That's me. And it's because I have coupons and I need to make sure the cashier rings them up befor...
by sls239
Tue Apr 22, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13658

Re: [Eating] Fish

We live inland and have limited choices as to anything fresh. But white fish with herbs, white wine, and chicken broth is good enough for my son to eat, but he doesn't want it for lunch the next day. There's a green sauce by La Frontera that you add to caramelized onions that makes good fish tacos w...
by sls239
Tue Apr 22, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 113
Views: 9717

Re: sued by landlord

If it were me, I'd feel more comfortable handling it myself rather than waiting for the apartment management to do it. What I think it would need is a response and a request for dismissal. The statement on the court document that you were given notice to vacate by 3/31 is just false , the case shoul...
by sls239
Mon Apr 21, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: sued by landlord
Replies: 34
Views: 4435

Re: Switching Banks

Ah the Nature Conservancy card. I've had that for a long time and still do because it is my oldest card. But I'm under no delusion that the Nature Conservancy is getting much benefit from it. Arrangements like this generally involve vanishingly small amounts on the individual level, but a decent tax...
by sls239
Mon Apr 21, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 30
Views: 3172
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