Search found 46 matches

by Houe
Fri Oct 20, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 25761

Re: Sitting on cash....Waiting for a crash

I thought i posted this so I hope it is not a double post... but...

What if the market is never this low again? There are lots of price levels the market has passed and will never return to again. How is waiting for a crash a good plan?
by Houe
Fri Oct 20, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5136

Re: Is a crash coming soon?

What if the market is never this low/cheap again? There are lots of price levels the market has passed and will never see again.
by Houe
Thu Oct 19, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 25761

Re: Sitting on cash....Waiting for a crash

Its anecdotal. I said it "seems". People at work (two) have mentioned to me that they are selling before the market crashes.
by Houe
Thu Oct 19, 2017 8:31 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 25761

Re: Sitting on cash....Waiting for a crash

DaftInvestor wrote:
Thu Oct 19, 2017 8:26 am
Houe wrote:
Thu Oct 19, 2017 8:15 am
It seems like there is a lot of fear lately. Dow down 100 today.
You must mean the Dow Futures are down- the market doesn't open for another 5 minutes.
Yes, you are correct.
by Houe
Thu Oct 19, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Will it be a mistake to buy VTSMX today?
Replies: 50
Views: 6550

Re: Will it be a mistake to buy VTSMX today?

Today could be good, but maybe tomorrow or next year will be better... :confused
by Houe
Thu Oct 19, 2017 8:15 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 25761

Re: Sitting on cash....Waiting for a crash

It seems like there is a lot of fear lately. Dow down 100 today.
by Houe
Wed Oct 18, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 93
Views: 7368

Re: how long did it take to get used to retirement

I'm not retired yet but I don't think I'll have too hard a time to adjust. I'm a 41yr old electrical engineer. When I retire I'd like to take up astronomy... maybe grind some big mirrors and build some scopes. I enjoy doing machining on a lathe and milling machine. Grow a large garden with a lot of ...
by Houe
Fri Oct 13, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Reverse Osmosis Systems for Kitchen Sink
Replies: 22
Views: 952

Re: Reverse Osmosis Systems for Kitchen Sink

I installed an APEC RO system about a year ago. Prior to this system I used a distiller for many years. A distiller pretty much takes out everything and honestly I prefer the taste of distilled water better but the daily grind of distilling grew old and the cost of a large distiller to sit in the ba...
by Houe
Fri Oct 13, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4489

Re: Which Streaming Service/Live TV?

My wife and I live in a rural location where our only options are DirecTV and Dish which most of the homes in the area have. But we use OTA (small roof antenna with amplifier) for networks (NBC, ABC, CBS, Fox, and PBS) and a few others. In addition we have an Amazon FireTV. Through FireTV we can ren...
by Houe
Fri Sep 22, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity 401k rollover
Replies: 4
Views: 244

Re: Help with Fidelity 401k rollover

For future reference.....and since I've rolled over a bunch of accounts into Fidelity over the last 3 years....you can specify what you want the new funds to be once rolled in. I've done it every time and they match exactly what I specify. I'd never let anyone (not Fidelity, not Vanguard, not anyon...
by Houe
Fri Sep 22, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity 401k rollover
Replies: 4
Views: 244

Re: Help with Fidelity 401k rollover

I was looking at the prospectus and there was some mentioned about frequent traders and 85 or 90 day moving average and 2% fees. A 2% fee could result in $1k+ fee! So I called in to ask the questions but I was shut down since my wife was not on the phone with me. I'll have to call back tonight after...
by Houe
Fri Sep 22, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity 401k rollover
Replies: 4
Views: 244

Help with Fidelity 401k rollover

So my wife and I finally got around to rolling over her previous company 401k. I should have looked at this a couple years ago, but life happens. This 401k was with Fidelity and so we simply rolled it over into a Fidelity rollover IRA. The 401k had 3 items in it and they were rolled over as follows:...
by Houe
Thu Sep 14, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10103

Re: Companies/Brands You Love?

Almond Breeze almond milk LG OLED tv FireTV (not stick) Marantz A/V receiver Makita power tools Aprilaire humidifier (model 800) HP calculator (older 48GX in particular) Gillette fusion proglide razors Desenex foot powder Philips led lights Burts Bees lip balm Snap On ratchets/sockets Breville (toas...
by Houe
Mon Jun 19, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 5460

Re: Dehumidifier woes

It might not be the best idea to cycle power at the plug to control humidity. That might be tough on the unit. There very likely is a power down algorithm built into the unit to bring down pressures and temperatures internal to the compressor.
by Houe
Fri Jun 16, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 5460

Re: Dehumidifier woes

Run the dehum for a week to get the space dry. If the dehumidifier still runs continuously or nearly continuously the unit is probably undersized. But you don't want to short cycle the unit either.
by Houe
Thu Jun 15, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 3443

Re: internet cost saving strategy

I'd love to have a $75 internet bill. We live out in the country and use ATT wireless for internet. Its unlimited and we get anywhere from 10mbit/s to 38mbit/s depending on congestion but it costs $108. I feel fortunate to have found this internet because many of those around me use satellite intern...
by Houe
Wed Jun 14, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 17396

Re: Poll: 401K Match

50% of first 6%. However there is also profit sharing that has been very good. Overall last year I contributed 6% and employer contributed approximately 8% (3% match and ~5% profit sharing).
by Houe
Wed Nov 23, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Help choose 401k funds (new options added)
Replies: 4
Views: 627

Re: Help choose 401k funds (new options added)

In regards to the bonds being low... considering my wife is 8 years younger than me do I change this or invest based on my age only? We are both working, but I make about 2/3 our income and she makes 1/3 our income.
by Houe
Tue Nov 22, 2016 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help choose 401k funds (new options added)
Replies: 4
Views: 627

Help choose 401k funds (new options added)

My employer updated their 401k now with the following options: Nuveen Real Estate Securities I, FARCX (1.05/1.05) American Funds EuroPacific Gr R6, RERGX (0.50/0.50) Dodge & Cox International Stock, DODFX (0.64/0.64) Columbia Small Cap Value II Z, NSVAX (1.02/1.02) Vanguard Small Cap Growth Inde...
by Houe
Wed Oct 12, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 8360

Re: Vitamix Worth It?

It's one of the best blenders out there. Blendtec's are also talked about in the same sentence as the Vitamix. I own a Blendtec but if I didn't get a deal on it I would own the Vitamix. I think the Vitamix is the better of the two. Get a Vitamix if you like to make lots of smoothies - especially the...
by Houe
Wed Sep 28, 2016 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Comcast incorrectly told us there was an internet line - now what? - solved
Replies: 47
Views: 3787

Re: Comcast incorrectly told us there was an internet line - now what?

why not use your cell as a hotspot Cell data isn't very cheap, or fast. Cell data speed can vary greatly depending on signal strength and congestion. Areas where cable and DSL are not available tend to be more rural and generally get better cell data speeds because not many people are using the ser...
by Houe
Tue Sep 27, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast incorrectly told us there was an internet line - now what? - solved
Replies: 47
Views: 3787

Re: Comcast incorrectly told us there was an internet line - now what?

One other thing. Satellite internet companies are launching new satellites in the next year or so which may make them viable options - we will have to wait and see how that goes, but for now its not a good situation.
by Houe
Tue Sep 27, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast incorrectly told us there was an internet line - now what? - solved
Replies: 47
Views: 3787

Re: Comcast incorrectly told us there was an internet line - now what?

I'm in a similar situation. I can get a phone line but DSL is not available. The house up the road about a half mile can get DSL (1.5mbps - not great) but I am out of range. So my options are satellite, as a number of my neighbors use, or cell phone data plans. Honestly from what I hear the satellit...
by Houe
Fri Sep 16, 2016 3:46 pm
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2898

Re: Pay mortgage down (PMI) or invest

The chance that we live in the house for 30 years is probably small - life happens. It wouldn't surprise me if I was here for 10 yrs but you never know. There also is a certain peace/security with having a paid for house. There is risk in having debt - its not easy to quantify. We all have to balanc...
by Houe
Fri Sep 16, 2016 1:44 pm
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2898

Re: Pay mortgage down (PMI) or invest

I was in a similar situation, but worse (FHA, though not as bad as it is now). To regrets! What I did: Refinance (moving to a 20 year loan). The refinance required an appraisal which (to my everlasting delight) came in a higher than the purchase price; I paid enough more to remove PMI -- based on 2...
by Houe
Fri Sep 16, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2898

Re: Pay mortgage down (PMI) or invest

Since I am a software guy i wrote a program for 2 simulations with the following parameters each for 30 years (360 months). Simulation A. 1. $1600 a month to spend on mortgage and investing 2. pay pmi if mortgage is above 224k 3. a. if mortgage is above 224k put all remaining funds on mortgage b. i...
by Houe
Fri Sep 16, 2016 1:08 pm
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2898

Re: Pay mortgage down (PMI) or invest

Since I am a software guy i wrote a program for 2 simulations with the following parameters each for 30 years (360 months). Simulation A. 1. $1600 a month to spend on mortgage and investing 2. pay pmi if mortgage is above 224k 3. a. if mortgage is above 224k put all remaining funds on mortgage b. if...
by Houe
Fri Sep 16, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2898

Re: Pay mortgage down (PMI) or invest

Making normal payments the PMI is going to be around for about 5 years. Our budget is fairly tight but I could probably get that down to 3yrs or less with the extra money I could put towards it. We do like the home and plan to stay - no plans short or long to move right now. Both our cars are now p...
by Houe
Fri Sep 16, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2898

Re: Pay mortgage down (PMI) or invest

Making normal payments the PMI is going to be around for about 5 years. Our budget is fairly tight but I could probably get that down to 3yrs or less with the extra money I could put towards it. We do like the home and plan to stay - no plans short or long to move right now. Both our cars are now p...
by Houe
Fri Sep 16, 2016 10:45 am
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2898

Re: Pay mortgage down (PMI) or invest

Making normal payments the PMI is going to be around for about 5 years. Our budget is fairly tight but I could probably get that down to 3yrs or less with the extra money I could put towards it. We do like the home and plan to stay - no plans short or long to move right now. Both our cars are now pa...
by Houe
Fri Sep 16, 2016 10:20 am
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 2898

Pay mortgage down (PMI) or invest

I have a relatively new mortgage (1 year) and am paying PMI - that was a mistake but the past is the past. Right now I am contributing to my 401k 6% to obtain the 3% company match (9% total or $650 per month). I will continue to do that at minimum but my question is should I put extra money to the m...
by Houe
Sun Jul 24, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: Whole House Humidifier
Replies: 11
Views: 1151

Re: Whole House Humidifier

An Aprilaire 800 whole house humidifier is hard to beat if your water meets the requirements (somewhat hard water is needed to conduct electricity enough to boil the water). It does use electricity so the electric bill will go up some. The water pad style humidifiers also can work but do waste some ...
by Houe
Wed Jul 06, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 394615

Re: What's Your Credit Card Rewards Strategy?

I have never lost my wallet in 22 years carrying cards either - but had mine stolen a year ago, with 5 cards in it. All of which were used before I got a chance to report them stolen. This was not a fun process, though it didn't cost me anything in the end. How do you mark the cards with rotating c...
by Houe
Tue Jul 05, 2016 5:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 394615

Re: What's Your Credit Card Rewards Strategy?

costco visa - 4% gas, 3% restaurants amex - 3% groceries fidelity 2% - everything chase freedom - 5% rotating categories discover - 5% rotating categories Do you carry all 5 ? Plus an ATM card presumably for cash ? That's a lot of cards to cancel if you ever have your wallet lost/stolen, as happene...
by Houe
Fri Jul 01, 2016 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 394615

Re: What's Your Credit Card Rewards Strategy?

costco visa - 4% gas, 3% restaurants
amex - 3% groceries
fidelity 2% - everything
chase freedom - 5% rotating categories
discover - 5% rotating categories
by Houe
Fri Jul 01, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: I made a profitable mistake
Replies: 11
Views: 2011

Re: I made a profitable mistake

If you sold a fund on Thursday night, wouldn't you get the Friday closing price? Or do you mean that you sold Thursday before 4pm Eastern Daylight Time? I sold on Thursday before the market close (about 3:55p eastern). I bought on Friday before the close. So sold at Thursday's closing and bought at...
by Houe
Fri Jul 01, 2016 10:02 am
Forum: Investing - Help with Personal Investments
Topic: I made a profitable mistake
Replies: 11
Views: 2011

Re: I made a profitable mistake

Contrition isn't necessary; this isn't a church. You made some money. That is a good thing. Be happy. As for long term, it sounds like you are plenty aware that you probably just got lucky this time. Well technically I didn't make any money because I haven't sold at a higher price. I just repurchas...
by Houe
Fri Jul 01, 2016 9:23 am
Forum: Investing - Help with Personal Investments
Topic: I made a profitable mistake
Replies: 11
Views: 2011

I made a profitable mistake

On Thursday night (eve of Brexit) I sold my rollover IRA(about 1/3 of my portfolio) for cash because I had easy access to it. For a couple weeks I had been wanting to switch from my targeted date retirement fund into s&p500 index fund as part of my new long term Bogglehead inspired portfolio. Ho...
by Houe
Thu Jun 30, 2016 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: 401k options [Which funds to choose?]
Replies: 12
Views: 774

Re: 401k options [Which funds to choose?]

Thanks for the advice. Seems to make sense to me.
by Houe
Thu Jun 30, 2016 8:46 am
Forum: Investing - Theory, News & General
Topic: Investing Returns on the S&P500
Replies: 34
Views: 2505

Re: Investing Returns on the S&P500

1973 is listed twice. Should that have been 1972?
by Houe
Thu Jun 30, 2016 7:57 am
Forum: Investing - Help with Personal Investments
Topic: 401k options [Which funds to choose?]
Replies: 12
Views: 774

Re: 401k options [Which funds to choose?]

So for right now I can put everything in my 401k into VBIAX and leave my rollover IRA in S&P500 and be in the ballpark of the 70/30 AA. The question I have going forward is this: is VBIAX the only worth while fund in my 401k? So any additional contribution (above the 6% for match) should go to m...
by Houe
Wed Jun 29, 2016 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: 401k options [Which funds to choose?]
Replies: 12
Views: 774

Re: 401k options [Which funds to choose?]

I do already have some S&P 500 index in a fidelity account from a 401k rollover from my last job. If I place all my funds (from current 401k) into the Vanguard balanced index I'd be looking at a AA of: 31% in Fidelity® 500 Index Fund - Premium Class (FUSVX 0.07 / 0.05) 69% in Vanguard Balanced ...
by Houe
Wed Jun 29, 2016 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: 401k options [Which funds to choose?]
Replies: 12
Views: 774

Re: 401k options [Which funds to choose?]

Vanguard balanced index: Boom, done. Might up the stock a little by adding some of the S&P index or if you want some international add dodfx. Most bogleheads recommend 20-40% of stocks to international but Bogle says no need. I would consider upping your retirement contributions to 15-20%. 40 i...
by Houe
Wed Jun 29, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: 401k options [Which funds to choose?]
Replies: 12
Views: 774

Re: 401k options [Which funds to choose?]

I do already have some S&P 500 index in a fidelity account from a 401k rollover from my last job. If I place all my funds (from current 401k) into the Vanguard balanced index I'd be looking at a AA of: 31% in Fidelity® 500 Index Fund - Premium Class (FUSVX 0.07 / 0.05) 69% in Vanguard Balanced I...
by Houe
Wed Jun 29, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Accounts with balances and different interest rates
Replies: 9
Views: 550

Re: Credit Card Accounts with balances and different interest rates

The portion I bolded is the real issue here. If she actually *needs* to use this card for purchases, that means she has been and continues to live above her means. Credit card interest is merely a symptom and the root cause/problem is overspending. She needs to deal with the root cause first. -Step...
by Houe
Wed Jun 29, 2016 9:30 am
Forum: Investing - Help with Personal Investments
Topic: 401k options [Which funds to choose?]
Replies: 12
Views: 774

401k options [Which funds to choose?]

Emergency funds: 3 months Debt: 255k @ 3.75% Tax Filing Status: Married Filing Jointly Tax Rate: 25% Federal State of Residence: Wisconsin Age: 39, wife 31 Desired Asset allocation: not sure Desired International allocation: not sure Company 401k matches 3% when I contribute 6%. I have been contribu...