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Re: Do you regret buying your home?

No house is perfect. So of course I have regrets that may or may not be rooted mostly in fantasy instead of reality.

But I do not in general regret buying my home.

There's no crazy lady on the first floor to burn the place down like there was in one apartment I rented.
by sls239
Thu Oct 23, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 46
Views: 2507

Re: Why include International Index in AA?

It doesn't increase risk because plenty of international companies do a lot of business in the US. When vanguard did the analysis, it looked like you could capture most of the diversification benefit of international stocks with it just being 20% of the stock allocation. I happen to like the idea of...
by sls239
Tue Oct 21, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2411

Re: What Are We Doing To Our Young Investors?

It eliminates the illusion that what is automatically chosen will be specifically appropriate for that person. TR funds imply they are appropriate for people in that age range. Balanced fund makes no such claim. Also, if you take this fact from the article as true With growing use of automatic enrol...
by sls239
Tue Oct 21, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4031

Re: What Are We Doing To Our Young Investors?

I can agree that the automatic enrollment option should probably not be a TR fund, but rather something more like a balanced fund.

Just because these funds are marketed towards people of a certain age, that doesn't mean that they are appropriate for someone because they are that age.
by sls239
Tue Oct 21, 2014 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4031

Re: Buying a house without a realtor

Where I live, if you only went by signs, zillow, or even MLS, you'd miss the best houses. It is rare to see a "for sale" sign without the "sold" part on top. The realtors mostly just use it to advertise themselves. The ones that do have "for sale" signs that aren't alre...
by sls239
Mon Oct 20, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2787

Re: Smartphone questions

The Samsung Ativ (Windows phone) has a replaceable battery and is cheap. We did Windows phones because my spouse's work uses an exchange server so having Outlook on the phone is more convenient. I have to say I honestly don't get all the fuss about Apple and Android, but perhaps I just don't know wh...
by sls239
Sat Oct 18, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 63
Views: 3717

Re: When can I afford to buy a home?

I would suggest that you first work on putting 20% of your income towards savings - 15% towards retirement at least, and the rest towards an emergency fund or general savings. IMO, that means that for now, you should be focusing on reducing your expenses not increasing them. However, understand that...
by sls239
Sat Oct 18, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: When can I afford to buy a home?
Replies: 21
Views: 2499

Re: Sixth anniversary of worst week ever for stocks

Other than being short on money, I can't tell I did anything differently with the accounts.

But as you can see, I joined Bogleheads on October 23rd, 2008. I clearly wanted a steadying influence.
by sls239
Fri Oct 10, 2014 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 3998

Re: Wife Expecting, Down to One Income Source

Yeah we made it work. And I mean made it work. I planned to be off for a year and then find a job with a shorter commute. I had a job offer in hand the day DHs employer announced they were shutting his plant. So we relocated and when DS went to school, I got a job. And shortly thereafter DHs employe...
by sls239
Wed Oct 08, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8155

Re: When people put all their eggs in the wrong basket

I worked at Worldcom the summer between high school and college. Many people there had stock options and were thinking about taking them, but were saying that the stock price was only $86 - they had me post it every day - and that it had been $95. I really really hope they did take them in time.
by sls239
Wed Oct 08, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 216
Views: 21130

Re: Why Wouldn't You Tilt To Small Value?

I think the mere fact that the discussion is about "tilting" makes it clear why I would not do that. Mere tilting wouldn't help much, and I'm obviously too chicken to go all in.

Also, I didn't start with a tilt, my default is to keep it that way.
by sls239
Wed Oct 08, 2014 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: Why Wouldn't You Tilt To Small Value?
Replies: 52
Views: 2911

Re: "Vanguard converting mutual fund accounts to brokerage?

I suppose that means I'll have a settlement fund for my roth, for my spouse's roth, for my spouse's rollover IRA, for our joint account, and for the kid's ESA. :annoyed According to the FAQ, all the dividends will either be re-invested in that same fund or sent to the "settlement" fund. So...
by sls239
Tue Oct 07, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 76
Views: 8621

Re: Is my husband a spendthrift? Or I a tightwad?

I have another motive for not moving to the new school district. It is a selfish one. If I feel out of place here now in my current neighborhood -- it will be worse in the new, wealthier by some exponents one. I don't want my kids to be the poorest in their school, nor do I care to make those paren...
by sls239
Fri Oct 03, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15747

Re: Lakefront property with small children?

One thing that hasn't been mentioned is a back door alarm.
by sls239
Wed Oct 01, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2107

Re: Should I pay off my sisters student loans?

There is a lot of anecdotal evidence that suffering improves character. However I've never seen any scientific evidence of it. And the lack of such evidence is very striking to me. I know that a starving person will eat grass even though it makes them sick. That is, suffering can twist people's judg...
by sls239
Tue Sep 30, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3575

Re: favorite brand name products

I can only think of three companies I've been fully satisfied with over the last 10 years -

Vanguard
Elfa
Canon

Even then, I'd still consider alternatives.
by sls239
Mon Sep 29, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 2998

Re: Disappointed in Vanguard customer service

I only expect Vanguard CSRs to know Vanguard. I don't expect them to know much of anything else - that's on me.
by sls239
Sat Sep 27, 2014 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Disappointed in Vanguard customer service
Replies: 38
Views: 4385

Re: Car (new OR old) for mother & baby

Well baby means there will be a car seat. So you want to be sure that both of you can easily and correctly install the car seat. If you already have one, definitely take it with you when you go shopping. Also, pay attention to the headrests in the back seat, because that can affect car seat fit once...
by sls239
Sat Sep 27, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Car (new OR old) for mother & baby
Replies: 19
Views: 1152

Re: Anybody manage a rental property long distance?

There are two more disadvantages to what you are proposing beyond the distance that does not bode well for renting it out: 1) This house wasn't specifically selected to be a rental property. 2) It isn't your lifelong dream to be a landlord. My guess is that if you listed in June and didn't get any o...
by sls239
Sat Sep 27, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody manage a rental property long distance?
Replies: 13
Views: 873

Re: VG Removes Percentage IRR from Personal Performance

If you go to "Balances over time - Detail" or "Balances and Holdings" and click on the "Balances over time" tab it will show you investment gains / loss and cumulative return %. I think all the info is there and more, just in a different place.
by sls239
Wed Sep 24, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: VG Removes Percentage IRR from Personal Performance
Replies: 9
Views: 1279

Re: We have a grocery problem... [Household budget]

Knowing essentially nothing else, I'd suggest the easiest ways to save the most money would be: 1) stop buying most cleaning products Dawn, warm water, bleach / comet are likely all you need. Borax if you have hard water. All are very cheap. Use rags / washcloths not disposable wipes. Also, most peo...
by sls239
Tue Sep 23, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10857

Re: New Laptop, need help

A desktop will get you a lot more lifespan for your buck. Ours is over 8 years old and still adequate for using office, streaming video (we have a good graphics card), and the like. But I did buy a Lenovo Yoga 2 over the summer and really like it for toting around. The tablet mode is nice if you jus...
by sls239
Fri Sep 19, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2242

Re: Should I buy another fridge or freezer? Or neither?

When we upgraded to a french door fridge, we found we didn't need any extra room. But I don't freeze meats, I prefer them fresh.
by sls239
Fri Sep 19, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1054

Re: "Why 97% of People Don't Use 529 College Savings Plans."

If you withdraw from retirement accounts to pay for college, it will count as income on the following year's fafsa. We don't have a 529 yet, but we might soon. And we aren't in the 25% tax bracket and aren't totally maxing out 401(k) contributions either. We are saving adequately for retirement, and...
by sls239
Wed Sep 10, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10790

Re: Coin Counting Machines

Try a 7 year old.
by sls239
Fri Sep 05, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4182

Re: Graduating Debt-Free, or with Elite College Degree?

Well it used to be that if you got a high enough score on the PSAT you were guaranteed a nice scholarship to UT-Austin in-state or out-of-state. They don't guarantee that anymore. In fact, there is (rightfully so) more of an emphasis for state universities to provide funds for well qualified student...
by sls239
Fri Sep 05, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Debt-Free, or with Elite College Degree?
Replies: 92
Views: 5090

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: 6617

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: 6617

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: 1785

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: 1741

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: 4523

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: 113
Views: 11207

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: 1897

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: 1103

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: 2450

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: 1627

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: 8776

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: 13419

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: 3999

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: 289

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: 3150

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: 4581

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: 1549

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: 1893

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: 1490

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: 4032

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: 8602

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: 3367

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: 958

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: 2159
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