Search found 51 matches

by Fiat lux
Sun Jun 11, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Resorts outside San Francisco
Replies: 20
Views: 1847

Re: Resorts outside San Francisco

Tenaya Lodge, south of Yosemite. I just spent a few days there. Chaminade Resort and Spa in Santa Cruz ... I spent a weekend there for a wedding I could go on and on, but what's wrong with The Four Seasons in San Francisco? Ill take a look at those. We will spend 2-3 nights of our trip in San Franc...
by Fiat lux
Sun Jun 11, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Resorts outside San Francisco
Replies: 20
Views: 1847

Re: Resorts outside San Francisco

It's an area where the variety of resorts covers a vast range of budgets, so you may want to narrow your question by cost, somewhat. I would also suggest considering whether you are interested in, e.g., wine country, coastal or mountain areas. Budget is in the 200-350/night range. Also, I'd say we'...
by Fiat lux
Sun Jun 11, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Resorts outside San Francisco
Replies: 20
Views: 1847

Resorts outside San Francisco

My wife, 2yo son, and I decided to book a trip to San Francisco for the week of the 4th of July. We are flying into SFO on July 2. I am looking for a resort within 2-5 hrs drive of San Francisco that has a big pool, spa, fitness center, and a nearby town and sightseeing. Anyone got ideas?
by Fiat lux
Sun Apr 23, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Wifi Camera for Google Wifi
Replies: 2
Views: 511

Wifi Camera for Google Wifi

In the market for a simple wifi camera that will be compatible and easy to setup with my Google Wifi Mesh Network. I know google wifi is NOTcompatible with WEP AND WPA, so the camera needs to be compatible with WPA2+ PSK. Any ideas ?
by Fiat lux
Fri Apr 07, 2017 6:30 am
Forum: Investing - Help with Personal Investments
Topic: 3-fund portfolio-Bond Sector w/ Schwab
Replies: 1
Views: 327

3-fund portfolio-Bond Sector w/ Schwab

I am using Schwab's Aggregate Bond ETF (SCHZ) for my bond fund in my Roth IRAs. For now, assume that Roth IRAS are my portfolio (IE not using a taxable account for retirement planning). Would you consider SCHZ an acceptable sole spot to park your money for fixed/bond income? Any other funds I should...
by Fiat lux
Mon Apr 03, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Another DcA or Lump
Replies: 9
Views: 878

Another DcA or Lump

I am in the process of changing my AA within my Roth IRAs. I sold off some equities with higher Ers. I have about $18k in cash (about a 1/5th of my total portfolio)). Would you DCA back in over a coupl months or lump? I have a little anxiety with lumping but I can't find a rational reason not to get...
by Fiat lux
Fri Mar 31, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Schwab's ETF REIT
Replies: 2
Views: 261

Schwab's ETF REIT

I am using one of the lazy portfolios by Rick Ferri known as the core 4. In this portfolio strategy, 8% of the AA is in a REIT. I have been re-allocating within my Roth IRAs so I have some cash that needs to be moved into this area (REIT). I have been using Schwab's ETF REIT (SCHH). It seems to me t...
by Fiat lux
Wed Mar 29, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Total Sck Mrkt Index w/ Schwab
Replies: 3
Views: 559

Total Sck Mrkt Index w/ Schwab

I am comparing to total stock market index funds in my Schwab Roth IRAs. The funds are their US Broad Market ETF (SCHB) and their Total Stock Market Index Fund (SWTSX) . SWTSX is a mutual fund. Expense ratios are the same at .03. Holdings are very similar. They do differ in their total assets with S...
by Fiat lux
Sat Mar 25, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2915

Re: Help my portfolio is messy

This weekend I sold off all the securities with ERs above .5. Great time to do it now with the market being on a high. Interesting to note, of all my securities the ones with the highest ERs showed the worst performance. I took a loss on a few. I had a couple of random questions as I move through th...
by Fiat lux
Wed Mar 22, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2915

Re: Help my portfolio is messy

Are there any specific funds you would keep in a 401k vs Roth IRA? I am opening my 401k for myself and employees next week with Employee Fiduciary. I have all the following below available. My thinking for now is to keep my wife and I's 401k simplified into the 3 fund style with the VTIAX, VBTLX, VT...
by Fiat lux
Tue Mar 21, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2915

Re: Help my portfolio is messy

In terms of the 3 stocks you hold in your taxable account alone, they have all outperformed the S&P, Dow, and Nasdaq in the your time frame quite handily. Bravo! Yeah kudos and respect. It's tough for even talented managers who work in the field to maintain the performance though. I think you'd...
by Fiat lux
Mon Mar 20, 2017 5:53 am
Forum: Personal Consumer Issues
Topic: Should I move in this market?
Replies: 10
Views: 1124

Should I move in this market?

I bought my home in 2011 and it has increased in value ~$150k. The home is in a sought after area in my city and real estate in the area is hot. Now, we have outgrown the house and are in what I see as a catch-22. Our home is up in value, but if we sell and move we will face buying a home in this ma...
by Fiat lux
Sun Mar 19, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2915

Re: Help my portfolio is messy

nobody can help you figure out how to implement the Core Four without knowing what you are going to do with the taxable account. . Like I mentioned earlier, between our Roth IRAs and new 401ks (beginning to fund within the month) we will be unable to fund the taxable account. This is because I woul...
by Fiat lux
Sun Mar 19, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2915

Re: Help my portfolio is messy

I went back to my original post and added a little more info about my situation, namely state of residence, debt, and tax filing status. Again, my goal here is to de-complicate my portfolio. At this point, I am trying to decide on which lazy portfolio strategy I will use towards this end. I have don...
by Fiat lux
Fri Mar 17, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 67
Views: 12128

Re: Google wifi is awesome

Can someone please help me? My internet service provider which I hate with all my heart, does not let us use any other router than theirs. So I can not use google wifi as a router. But what I am wondering is can I use the 2 other pieces of the 3 pack as a REPEATER? I purchased 1 single unit from wa...
by Fiat lux
Fri Mar 17, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2915

Re: Help my portfolio is messy

His IRA and Her Roth IRA can be cleaned up almost instantly (once you have a plan in mind). However, the taxable account will have a tax cost to clean it up. The next step would be to figure out the gains and losses on each holding in the taxable account. Also, separate gains and losses into long t...
by Fiat lux
Fri Mar 17, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2915

Re: Help my portfolio is messy

I just went back and listed all the names of all the securities i listed last weekend along with the expense ratios (plz see initial post). This was a great exercise as I realized how high some of the ERs were for some funds. I would like to transition my portfolio to a more simplistic style, prefer...
by Fiat lux
Sat Mar 11, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 4075

Re: Wifi Router Advice

Guys I know google wifi is awesome. I ended up going with it. My question is it worth going through hassle of bridging my ISP router or just leave it as is ? If latency increase is negligible I'll probably just leave my google wifi piggybacking.
by Fiat lux
Sat Mar 11, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 4075

Re: Wifi Router Advice

http://thewirecutter.com/reviews/best-wi-fi-router/ (The Wirecutter generally has good reviews for electronics) I have the Archer C7 recommended in the article. For a long while, I was having tons of issues with slow service when I connected with my phone (but not with my computer for some reason)....
by Fiat lux
Sat Mar 11, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 4075

Re: Wifi Router Advice

I just switched over to Frontier (fiber optic) for my internet and am using Google Wifi. . Frontier requires use of their router, so I have google wifi piggybacking off their router. Would there be an increase in bandwith if I bridged their router ? (Bridging seems a bit complicated and am not sure ...
by Fiat lux
Fri Mar 10, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2915

Re: Help my portfolio is messy

In terms of simplification, you can sell all holdings in your Roth accounts and reinvest in a few funds without any tax consequences. I use Schwab myself. They have a low cost total stock market and a low cost total international fund that are appropriate choices. If you have a tax deferred account...
by Fiat lux
Fri Mar 10, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2915

Help my portfolio is messy

I have been investing on my own within my Schwab account since 2011. I just stumbled across this forum a couple of weeks ago and I like the simplistic boglehead approach. Previously I had been doing AA for each account as though it stood alone, and never considered all of my accounts as one portfoli...
by Fiat lux
Mon Feb 27, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Bond Fund for Roth IRA
Replies: 3
Views: 528

ETF Bond Fund for Roth IRA

Looking for a bond etf for my roth ira. Considering ( SCHZ Schwab US Aggregate Bond ETF™) .. Any thoughts on this or alternatives?
by Fiat lux
Mon Feb 27, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need Fidelity Bond Carrier
Replies: 1
Views: 280

Need Fidelity Bond Carrier

I am in the process of opening a 401k with EF. I need to have a fidelity bond with a minimum of $1k. Is this something I must have and if so any recommendations?
by Fiat lux
Sun Feb 26, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and questions for new BH
Replies: 4
Views: 632

Re: Portfolio review and questions for new BH

I am new a BH as well so I have a question for the OP!

What is a 'betterment' taxable account?
by Fiat lux
Fri Feb 24, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Staying at Disneyworld
Replies: 30
Views: 3699

Re: Staying at Disneyworld

Lot of good ideas here. This time around I'm to go with Floridays. It's a 1000 sq/ft room with 2 bed rooms and kitchen and very reasonable fees. My son will only be 23 months in may, so over next couple of years I'm sure we will be getting back into DW hotels as he is more aware And will remember mo...
by Fiat lux
Wed Feb 22, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 8573

Re: New Boglehead Millionaire

Well, tell this newb how you did it in a nutshell!?
by Fiat lux
Wed Feb 22, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Staying at Disneyworld
Replies: 30
Views: 3699

Re: Staying at Disneyworld

OP, I suggest you become familiar with the process of renting points from a DVC owner for accommodations of the type you have referenced. I suggest once you know what the concept is, you visit the rent/trade board at mouseowners.com to deal directly with an owner. There are also DVC point brokers w...
by Fiat lux
Tue Feb 21, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Staying at Disneyworld
Replies: 30
Views: 3699

Staying at Disneyworld

I grew up going to DisneyWorld and stayed on property . Today prices are ridiculous for on property especially if you want small a kitchen and more than 1 bedroom. Anyone have ideas how to bogle this?
by Fiat lux
Tue Feb 21, 2017 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Mother-in-law Financial Problems
Replies: 20
Views: 2673

Re: Mother-in-law Financial Problems

I am not sure how in the heck my MIL was given mortgage for this house 1.5 years ago. She is a professional seamstress. At the time, she had 1 client whom she would so motorcycle seats for and make around $50-60k a year. The relationship deteriorated 2 months ago leaving her no income. The only mone...
by Fiat lux
Mon Feb 20, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-law Financial Problems
Replies: 20
Views: 2673

Re: Mother-in-law Financial Problems

Does she have any equity in this house that would be freed up if she sold it? Indeed, we are hoping she will turn a modest profit on the home when it sells. We would anticipate 10-30k in equity. My next question would be, what should we do with it? She is 62. Is it too early to begin looking at a l...
by Fiat lux
Mon Feb 20, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-law Financial Problems
Replies: 20
Views: 2673

Re: Mother-in-law Financial Problems

Does she have any equity in this house that would be freed up if she sold it? Indeed, we are hoping she will turn a modest profit on the home when it sells. We would anticipate 10-30k in equity. My next question would be, what should we do with it? She is 62. Is it too early to begin looking at a l...
by Fiat lux
Mon Feb 20, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-law Financial Problems
Replies: 20
Views: 2673

Mother-in-law Financial Problems

My wife and I recently found out her 62 year old mother has $19k in credit debt and can barely pay her mortgage. In fact, the only cash coming in is due to the fact she is taking care of her terminally ill/bed ridden mother and receiving her SS money from the state. My wife and I, and a couple of he...
by Fiat lux
Mon Feb 20, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Federal Money Market Fund (VMFXX)
Replies: 27
Views: 4963

Re: Vanguard Federal Money Market Fund (VMFXX)

I use AONIX for a place to stash a good chunk of my emergency fund. How do you think this compares with the vanguard fund mentioned in this thread ? I guess in this case nobody's heard of the fund anyway and would have to look it up regardless of if you provided the fund name, but American Century ...
by Fiat lux
Mon Feb 20, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 7755

Re: Why own individual stocks?

so what do you all think of motley fool? I listen to their podcast occasionally and they are all about buying individual stocks. Yes, through them...a la million dollar portfolio, etc. If the following link does not convince you that the Mostly fools [sic] are trying very hard to get others to part...
by Fiat lux
Mon Feb 20, 2017 4:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Federal Money Market Fund (VMFXX)
Replies: 27
Views: 4963

Re: Vanguard Federal Money Market Fund (VMFXX)

I use AONIX for a place to stash a good chunk of my emergency fund. How do you think this compares with the vanguard fund mentioned in this thread ?
by Fiat lux
Mon Feb 20, 2017 4:39 am
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 7755

Re: Why own individual stocks?

so what do you all think of motley fool? I listen to their podcast occasionally and they are all about buying individual stocks.
by Fiat lux
Sun Feb 19, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 4075

Re: Wifi Router Advice

I made the decision to go with Google Wifi as of this AM. Amazon got 16 of the single units in stock this morning. I figure I will give it a shot, if it is not what I anticipate, I can return it easily. I might be able to get away with 1 unit in my house. Most the reviews I have read give it good ma...
by Fiat lux
Sat Feb 18, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 4075

Re: Wifi Router Advice

Costco has a nice sale (after coupon) on the NETGEAR Nighthawk AC1900 router for $129.99 - (it's currently selling for ~$159 at Newegg and Amazon). Netgear is one of the best companies for routers -and this particular router has the ability to use an open source firmware like DD WRT. How do you thi...
by Fiat lux
Sat Feb 18, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 4075

Re: Wifi Router Advice

Is this the google router you all are referring to ? https://www.amazon.com/gp/aw/d/B01MDJ0HVG/ref=mp_s_a_1_2?ie=UTF8&qid=1487445619&sr=8-2&pi=AC_SX236_SY340_QL65&keywords=google+wifi&dpPl=1&dpID=31cEgEyiFpL&ref=plSrch Do you think I could get away with 1 unit in my 1900 ...
by Fiat lux
Fri Feb 17, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 4075

Wifi Router Advice

I was able to cut my cable down from $180 to $135, went down to basic channels, got rid of phone, and no longer renting router. Now, spectrum will provide a cable modem at no charge but wifi carries a monthly charge - so I am getting my own wifi router. Anyone have recommendation for this ? ( my cab...
by Fiat lux
Fri Feb 17, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Safe Indexes for modest gains
Replies: 11
Views: 1338

Re: Safe Indexes for modest gains

I can't see the benefit in selling those individual stocks though, but perhaps there is a benefit in stopping dividend-reinvestment until my portfolio evens out Since you have other accounts, the individual stocks may not be a huge part of your portfolio. I would recommend selling any individual st...
by Fiat lux
Fri Feb 17, 2017 5:06 am
Forum: Investing - Help with Personal Investments
Topic: 3(38) ERISA Fiduciary for 401k. Necessary?
Replies: 2
Views: 287

Re: 3(38) ERISA Fiduciary for 401k. Necessary?

To help you with terms, a match is an elective contribution, meaning the participant must make an election to defer in order to receive the contribution. A nonelective SH contribution would be the 3% because the participant receives it regardless of their decision to defer or not. Profit sharing co...
by Fiat lux
Thu Feb 16, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: 3(38) ERISA Fiduciary for 401k. Necessary?
Replies: 2
Views: 287

3(38) ERISA Fiduciary for 401k. Necessary?

I own a small dental practice and I am in the process of beginning a 401k for myself and staff. FWIW I am creating Safe Harbor, non-elective 4% match. From my research so far, I am about to go with Employee Fiduciary- after hearing many positive comments about them on this board and then contacting ...
by Fiat lux
Thu Feb 16, 2017 5:37 am
Forum: Investing - Help with Personal Investments
Topic: Safe Indexes for modest gains
Replies: 11
Views: 1338

Re: Safe Indexes for modest gains

Do you really have half of your entire portfolio in just two companies (disney and home depot)? If so, do you think that's wise? 60% of your entire portfolio in just 3 companies? If that is your entire portfolio you are taking concentrated risk. I'd consider diversifying more before you lose big le...
by Fiat lux
Wed Feb 15, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Safe Indexes for modest gains
Replies: 11
Views: 1338

Safe Indexes for modest gains

I'm trying to grow some money in my Schwab brokerage account . Here is my current spread. Any ideas for a good ETF to add to the mix? Want to play it safe, just looking for minimum 5-7% over all. Possibly an international and/or fixed income fund? Something else? Here's my current spread Home Depot ...
by Fiat lux
Wed Feb 15, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Provider
Replies: 76
Views: 12671

Re: 401K Provider

Less flashy website, also, for statements, a little less flexibility on delivery. You can have it where all the employees get them by email or by mail - each employee cannot select their own method. That is a bit unusual. Also, you will have to keep beneficiary forms and wage deferral forms. Howeve...
by Fiat lux
Wed Feb 15, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Provider
Replies: 76
Views: 12671

Re: 401K Provider

Less flashy website, also, for statements, a little less flexibility on delivery. You can have it where all the employees get them by email or by mail - each employee cannot select their own method. That is a bit unusual. Also, you will have to keep beneficiary forms and wage deferral forms. Howeve...
by Fiat lux
Wed Feb 15, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Provider
Replies: 76
Views: 12671

Re: 401K Provider

Here is a fee comparison Americas Best 401k Setup fee $0.00 Annual Invstmnt Adv fee -- .30% plan assets LT Trust Annual Fee --- $1600 anual base fee $40/ participant .08% plan assets Employee Fiduciary Setup $500 Base Fee – $1,500 per year $30 per year for each eligible employee in excess of 30 (if ...
by Fiat lux
Wed Feb 15, 2017 11:06 am
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 192
Views: 156737

Re: Please Try Out Test Posts Here

test.