Search found 121 matches

by 4th and Inches
Mon Dec 05, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: Target Gift Cards 10% Off Today
Replies: 9
Views: 1027

Re: Target Gift Cards 10% Off Today

Boo looks like I missed out.
by 4th and Inches
Mon Nov 21, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 21165

Re: Need help. Drowning in debt and worried about the future and retirement

Your wife turned down the job? WOW. Just Wow. I am shocked at that. EESSHHHH. I can't imagine how that conversation went. I feel bad for you.
by 4th and Inches
Mon Nov 21, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 37
Views: 3220

Re: Synchrony vs Ally

I am a happy savings account customer of Synchrony bank. I have never used Ally. Either one is likely perfectly suitable.
by 4th and Inches
Wed Nov 16, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Public Credit Union Black Friday 3%, 24 Month CD Offer
Replies: 5
Views: 1209

Public Credit Union Black Friday 3%, 24 Month CD Offer

I came across this one day Black Friday CD offer from Public Credit this AM while reading the newspaper. There is a $10,000 limit and you have to go there in-person. Just thought I would pass this along. I don't think I have ever seen 3% for just a 24 month term. https://www.pscu.org/black-friday-on...
by 4th and Inches
Thu Oct 13, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Southwest...getting the miles by year end
Replies: 30
Views: 2513

Re: Southwest...getting the miles by year end

Get a friend to sign up and you will get 5,000 points up to 50,000 for the year. I just referred my wife and mom-in-law a few days ago.

https://www.chase.com/referafriend/catch-all
by 4th and Inches
Wed Sep 21, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Emerging Markets Stock Index Fund completes transition to new index
Replies: 19
Views: 2861

Re: Vanguard Emerging Markets Stock Index Fund completes transition to new index

I really like this move. More small caps, more extension into China, the number of companies owned has gone up significantly, no increase in the expense ratio.
by 4th and Inches
Wed Aug 17, 2016 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my debt vs using tax advantaged space - which is better?
Replies: 18
Views: 1515

Re: Getting out of my debt vs using tax advantaged space - which is better?

I would disregard any advice that suggests skipping the employer match to your retirement contributions. I would get rid of the rental property, keep your current house, keep the SUV, sell one of the other cars, and then get rid of the 401k retirement loan with the proceeds from the house and sold c...
by 4th and Inches
Sat May 21, 2016 12:05 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on this? [Why advisors don't like target funds]
Replies: 29
Views: 4466

Re: Any thoughts on this? [Why advisors don't like target funds]

That article is just absolute trash. WORTHLESS. I could only chuckle at some of the assertions quoted in the article. It reeked of self-interested dishonesty.

Target date funds are not perfect, but you can do much worse.
by 4th and Inches
Wed May 11, 2016 9:13 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 12345

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

Sheeesh guys. Larry provides a lot of good insights here. I found the article interesting at least.
by 4th and Inches
Thu Apr 28, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: VWO vs VSS [Vanguard Emerging Markets Stock vs. FTSE All-World ex-US Small-Cap]
Replies: 15
Views: 1354

Re: VWO vs VSS [Vanguard Emerging Markets Stock vs. FTSE All-World ex-US Small-Cap]

Why doesn't Vanguard have an admiral version of Vanguard FTSE All-World ex-US Small-Cap Index Fund?

Does anybody know?
by 4th and Inches
Thu Apr 21, 2016 1:40 pm
Forum: Investing - Theory, News & General
Topic: Any avid users/haters of the Acorns platform?
Replies: 4
Views: 663

Re: Any avid users/haters of the Acorns platform?

You should also look into an Acorns competitor called "Clink". They are actually cheaper than Acorns. Acorns is quite expensive when your account is small and in the long run will always be more expensive than Clink. Acorns however may give you a bit more portfolio flexibility. I made a th...
by 4th and Inches
Thu Apr 21, 2016 1:38 pm
Forum: Investing - Theory, News & General
Topic: Clink Investing App with Access to 6 Vanguard Funds
Replies: 10
Views: 2601

Re: Clink Investing App with Access to 6 Vanguard Funds

I think I am going to start an account to begin saving to finish our basement. I'm not looking to use this is a primary retirement savings medium. I just want an easy, cheap and painless way to start saving for something.
by 4th and Inches
Mon Apr 18, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 53
Views: 3483

Re: Passport photo DIY - anyone done it easily?

Don't overthink it. Just go to a drugstore and get a picture taken for a few dollars.
by 4th and Inches
Mon Apr 18, 2016 11:34 am
Forum: Investing - Theory, News & General
Topic: Stock picking services
Replies: 39
Views: 2823

Re: Stock picking services

This is a great thread. lol
by 4th and Inches
Tue Apr 12, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Mortgage Refinance
Replies: 8
Views: 780

Re: Simple Mortgage Refinance

$5k in refinance costs seems really high.
by 4th and Inches
Tue Apr 12, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: Clink Investing App with Access to 6 Vanguard Funds
Replies: 10
Views: 2601

Re: Clink Investing App with Access to 6 Vanguard Funds

^^^^How is that much different than buying different shares (some of them fractional) across your 401k portfolio, Roth IRA, or taxable account on a bi-weekly basis as your paychecks come in? It is just a different scale.
by 4th and Inches
Mon Apr 11, 2016 11:42 pm
Forum: Investing - Theory, News & General
Topic: Clink Investing App with Access to 6 Vanguard Funds
Replies: 10
Views: 2601

Clink Investing App with Access to 6 Vanguard Funds

I had been interested in the Acorns investing app, but decided that it their overall fees were just not worth it. I have been waiting for some kind of competitor to come out that would be more attractive and cheaper. A Google search revealed a new competitor to Acorns called Clink . https://clink.co...
by 4th and Inches
Wed Mar 02, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: 10% Mortgage Down payment
Replies: 49
Views: 7252

Re: 10% Mortgage Down payment

Look into an 80-10-10 loan. The interest rate on the second loan will typically be the prime rate + about 2%.

Also, do what is best for you. Don't pay too much attention to the people on here saying you should have at LEAST 20% down and then lock yourself into a 15 year mortgage.
by 4th and Inches
Fri Feb 19, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Mortgage Products Using Total Cost Ratio
Replies: 2
Views: 299

Re: Evaluating Mortgage Products Using Total Cost Ratio

The way you are looking at it seems legit to me.
by 4th and Inches
Fri Jan 15, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Builder's Lender Wants to Start Mortgage Paperwork Early
Replies: 7
Views: 764

Re: Builder's Lender Wants to Start Mortgage Paperwork Early

Thank you for the replies everyone. A few more follow-up questions:

So you guys feel that now is an appropriate time to actively search for a lender?
Should I also go through with hard credit checks?
Are there any issues with trying to get a rate lock this early in the process?

Thanks!
by 4th and Inches
Fri Jan 15, 2016 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Builder's Lender Wants to Start Mortgage Paperwork Early
Replies: 7
Views: 764

Builder's Lender Wants to Start Mortgage Paperwork Early

My wife and I are having a new home built. We went into contract back in October and the house will be done late this summer. We are and were well aware of the builders timeline due to it being a busy market and being able to get first right of refusal on our selected lot before the lots were offici...
by 4th and Inches
Wed Jan 06, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a Personal Finance Club/Network at Work: Good idea?
Replies: 9
Views: 589

Re: Starting a Personal Finance Club/Network at Work: Good idea?

I personally think it is a bad idea to do this in the workplace.
by 4th and Inches
Tue Dec 29, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 IRS Witholding Calculator Availability?
Replies: 6
Views: 923

2016 IRS Witholding Calculator Availability?

Does anybody know when the 2016 IRS Witholding Calulator will be available?

https://www.irs.gov/Individuals/IRS-Wit ... Calculator
by 4th and Inches
Wed Dec 23, 2015 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Sell all bond holdings in Roth?
Replies: 6
Views: 655

Re: Sell all bond holdings in Roth?

I just realized this the other day. Luckily I had my bond holdings in my 401k/Traditional IRA. If I had put all of my bonds in the Roth I would just do a swap out now between the accounts. However, I don't think it would be explicitly wrong to just switch the Roth to stock funds and then buy up the ...
by 4th and Inches
Mon Dec 21, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Funds VS Build Your Own for .055%-.107% Less?
Replies: 12
Views: 1552

Re: Target Date Funds VS Build Your Own for .055%-.107% Less?

Thanks for the feedback and insights everyone. I'm going to just go with the target date fund for convenience and simplicity. If I have to do the rebalancing or get into any fiddling then, I'm more likely to mess things up more than I can save on the expense ratios.
by 4th and Inches
Mon Dec 21, 2015 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Funds VS Build Your Own for .055%-.107% Less?
Replies: 12
Views: 1552

Target Date Funds VS Build Your Own for .055%-.107% Less?

My wife recently started a new job. Her 403(b) and 401(a) plans are outstanding! She has to put in 5% of her base pre-tax salary into the 401(a). With her 5% contribution her employer will match 2 for 1 or 10% of her base salary. She will also be 100% vested on day one! She cannot contribute more th...
by 4th and Inches
Mon Dec 21, 2015 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Low Balance, <$2k HSA Investment Options?
Replies: 5
Views: 713

Re: Low Balance, <$2k HSA Investment Options?

It just isn't worth it to bother with trying to invest this amount. I will slowly draw down these funds from the HSA savings account I have to bridge the gap between my regular money and FSA funds.
by 4th and Inches
Mon Dec 14, 2015 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Low Balance, <$2k HSA Investment Options?
Replies: 5
Views: 713

Re: Low Balance, <$2k HSA Investment Options?

^^^^^Go point on just paying the brokerage fee. I wasn't very excited about the Saturna funds and the expense ratio would effectively go down if the balance increased using the brokerage option.
by 4th and Inches
Mon Dec 14, 2015 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Low Balance, <$2k HSA Investment Options?
Replies: 5
Views: 713

Low Balance, <$2k HSA Investment Options?

Are there any other options besides Saturna that allows for fund/ETF investments for balances below $2,000? In you invest in the Saturna-Affiliated funds they offer: Access to their not so great funds for just $100 minimum. The lowest expense ratio is .78. The whole account can be invested. Account ...
by 4th and Inches
Sat Sep 26, 2015 7:29 am
Forum: Personal Consumer Issues
Topic: relocating to boulder, CO from NYC suburb
Replies: 27
Views: 2785

Re: relocating to boulder, CO from NYC suburb

I'm moving to Denver next Friday. Yay!
by 4th and Inches
Fri Jun 26, 2015 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pay student loan off at 2.875%? - otherwise, 14 years to go
Replies: 52
Views: 6753

Re: Pay student loan off at 2.875%? - otherwise, 14 years to go

I have right at $17,000 in student loans at 1.625% interest. I had a 20 year period to pay it off and have like 11 years left. Payment is $152 a month. I'm letting inflation erode the value of it and just paying the minimum. I feel good about it.
by 4th and Inches
Wed May 20, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 4301

Re: How should drivers react to bicycle riders on one lane roads?

As a semi-regular bicyclist to work I appreciate the answers given here. You guys are not issues for me. Thanks!
by 4th and Inches
Fri May 01, 2015 9:41 pm
Forum: Personal Consumer Issues
Topic: What sort of MBA is right for me?
Replies: 13
Views: 1622

Re: What sort of MBA is right for me?

I will weigh in later. I have a lot to say about this from personal experience. I have an MBA. It works for me.
by 4th and Inches
Mon Apr 27, 2015 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 7599

Re: Feel like I made a mistake with buying a house: apprecia

120% appreciation? Sounds fishy. What metric are the two of you going by? Sure the house may be valued that much more, but what kind of renovations took place to make that happen? If the house was bought for $200k and then $150k was done in renovations the ROI is not going to be as high if he did ze...
by 4th and Inches
Fri Apr 24, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 22
Views: 5897

Re: Selling on eBay with local pickup using PayPal - Dangero

^^^^what he said. You can also call PayPal customer service to ask.
by 4th and Inches
Mon Apr 20, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1847

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

I'm surprised you're seeing the similar prices for different age houses that are similar in size and all other respects. In my experience new houses are more expensive unless there is some countervailing advantage for the older homes. So perhaps there is something you are not seeing. For example I'...
by 4th and Inches
Mon Apr 20, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1847

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

I own a 80+ year old home - this is what you should be concerned about; electrical, plumbing, insulation, heating system/air conditioning. If you need to put in a CAC/HVAC system - that will cost, similarly if you need to re-wire or re-plumb the home. Insulation may or may not be that big of a deal...
by 4th and Inches
Mon Apr 20, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1847

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

You really need some more information to make a decision. Get a thorough inspection of the older homes by more than one inspector. Ask them to estimate the amount of repairs they anticipate you'll need. When you mentioned the house years, you used a range and not a specific year. Do you not know th...
by 4th and Inches
Mon Apr 20, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1847

Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?

I am trying to wrap my head around the total cost of home ownership for three different ages of houses that I am interested in. Where I am looking there are 3 distinct areas with different eras of construction. • Ownership of the home will last for 50 years (Yes, I’m very aware that things change in...
by 4th and Inches
Thu Apr 16, 2015 8:39 am
Forum: Personal Finance (Not Investing)
Topic: 10% Down 30-Year Jumbo Mortgages?
Replies: 10
Views: 2207

Re: 10% Down 30-Year Jumbo Mortgages?

Thanks for the responses guys. What are the terms of your HELOC?
by 4th and Inches
Tue Apr 14, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: 10% Down 30-Year Jumbo Mortgages?
Replies: 10
Views: 2207

10% Down 30-Year Jumbo Mortgages?

Do 10% down Jumbo mortgages still exist? Do any of you have any links to information regarding the terms of a 30-year fixed jumbo loan? How much higher is the interest rate? Assuming the person is well-qualified and all debt and housing PITI was 30% of gross income, they were on track for retirement...
by 4th and Inches
Thu Apr 09, 2015 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Another Housing Thread (450k)
Replies: 18
Views: 2298

Re: Another Housing Thread (450k)

Go for the house! You can afford it. Good luck!
by 4th and Inches
Sat Mar 28, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 43
Views: 11670

Re: Can I afford a $500,000 house?

You can afford it. You just can't go juggling two large car payments, expensive hand bags or a trip to Europe with the currently discounted Euro. Moderation, compromise and common sense will go a long way. Many on here are hyper conservative so take their comments that make YOU seem crazy with a gra...
by 4th and Inches
Mon Mar 23, 2015 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares vs Diversity? Beginner Question
Replies: 14
Views: 1784

Re: Admiral Shares vs Diversity? Beginner Question

I imagine you don't have a large balance. Just stick with VTIVX to keep it simple and diversified. Once you have enough for admiral in the components you could start to break it up. If the account is in taxable that complicates things.
by 4th and Inches
Thu Mar 19, 2015 11:03 pm
Forum: Investing - Theory, News & General
Topic: "Assessing the Risk of Using Just One Fund Company.."
Replies: 18
Views: 3302

Re: "Assessing the Risk of Using Just One Fund Company.."

Thanks for posting Taylor. The tinfoil hat wearers will naturally anchor on tbe worst case scenario, exaggerate the probability of it happening and then expend far more energy than needed to avoid something that will never happen. I have other things to do.
by 4th and Inches
Mon Mar 09, 2015 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Want to invest with Vanguard but not comfortable with....
Replies: 79
Views: 6705

Re: Want to invest with Vanguard but not comfortable with...

Ward, how do you know that someone on this board isn't a hacker and they now have enough information on you to hack your existing accounts? You already have multiple accounts that exist. How do you know that someone isn't hacking them RIGHT NOW or will intercept your next transaction? How do you han...

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