Search found 95 matches

by Keepcalm
Fri Aug 18, 2017 5:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 991971

Re: U.S. stocks in freefall

I know it is unorthodox to time the market however I hit both days this month the S&P was down >1% with 1000 contributions each of the two days.

So shoot me.
by Keepcalm
Wed Aug 09, 2017 3:05 am
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3649

Re: Boston to Maine road trip

I highly recommend taking RT.93 North right out of Logan Airport and following it all the way up through Crawford Notch until you hit RT.3 just after the notch. Take RT.3 to RT.302 and follow 302 all the way over until you hit RT.95 just by Portland, ME. I would then jump on RT.95 avoiding Portland,...
by Keepcalm
Mon Aug 07, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Calling all Electricians
Replies: 13
Views: 1939

Re: Calling all Electricians

Why would any of the leads be capped? You have a hot and a neutral which go to terminals on the switch. Then you have a ground that goes to a grounding screw. If anything, some electricians wrap a layer of electrical tape around the entire switch to cover the terminals. Not all do however. You sure ...
by Keepcalm
Wed Aug 02, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Question for MTB'rs. Buying a bike.
Replies: 22
Views: 1266

Re: Question for MTB'rs. Buying a bike.

How do you guys feel about utilizing Trek's 0% financing (as long as paid off in 12 months). Would give me the flexibility of paying it off in 2 days if I wanted to or extending the full term?
by Keepcalm
Wed Aug 02, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Question for MTB'rs. Buying a bike.
Replies: 22
Views: 1266

Question for MTB'rs. Buying a bike.

So I began looking at Fuel EX 7's ($2,400). Turned into looking at Fuel EX 8's ($3,200), and now looking at Fuel EX 9.8's ($4,600). For those who are not on the biking wagon, from lowest model # to higher the price rises. In return you receive a bike with higher quality/brand components, and a light...
by Keepcalm
Mon Jul 31, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 3780

Re: Is there any reason not to? [4% Checking]

So I'm still on the fence about this, and wanted to bring this up again to see if anyone else has experience of opinions on this. Thanks. One thing I have been intrigued by is the fact if I was to do this, I could in theory not having a savings account. The 15K cap on the 4% checking would cover my ...
by Keepcalm
Sun Jul 30, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 130
Views: 30264

Re: What you wish you had known entering your late 20's

chinto wrote:What you wish you had known entering your late 20's

The true nature of female's.


I'm 31 and still a bachelor. I appreciate the solitude and in a way it keeps me feeling young. Rent a house, I do have a dog. Aside from that my hobbies and my index funds are my priority.
by Keepcalm
Fri Jul 28, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11109

Your "at peace" moments.

I have been awaking from sleep before daylight breaks. I brew coffee, sit down, and read whatever book I'm currently investing my time in. Because it is so early, where I live I'm able to escape pretty much all ambient noise. Pure peace and quite. I have begun to really appreciate this part of my da...
by Keepcalm
Fri Jul 28, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much income and down payment to afford 300k house?
Replies: 50
Views: 4049

Re: How much income and down payment to afford 300k house?

USAA pre-approved me last week for a 240,000 house on 80k income. Just goes to show banks still have not learned their lesson. Surprised since it was USAA.
by Keepcalm
Wed Jul 26, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Cutting The Quicken Cord
Replies: 13
Views: 2374

Re: Cutting The Quicken Cord

Looked at both GnuCash and KMyMoney (I like open source), both have Windows versions. KMyMoney is more glitzy and pretty but didn't seem very intuitive to me, so I decided to go with GnuCash (GC). Tried to import the Quicken data file into GC. 25 years of data = 55MiB filesize. It does it, sort of,...
by Keepcalm
Wed Jul 26, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging Help
Replies: 37
Views: 2032

Re: Dollar Cost Averaging Help

My question is what is the best strategy to invest these dollars? I am thinking 100K initially and then 10-15K per month over time for dollar cost averaging. Is this dollar amount too slow of a per month investment rate? It depends on what you are trying to accomplish. First realize there is no log...
by Keepcalm
Tue Jul 25, 2017 1:11 am
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 59
Views: 6927

Re: Two-Fund Portfolio Role Call

90/10

VINIX
BIV
by Keepcalm
Mon Jul 24, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Hypertension with time management.
Replies: 13
Views: 1264

Re: Hypertension with time management.

I was curious on this community's point of view when it comes to managing your time. I minimize my obligations. Other than showing up to work and not screwing up, I don't really have any other major responsibilities. Most nights and weekends are completely unstructured, and it's awesome. A big part...
by Keepcalm
Mon Jul 24, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Hypertension with time management.
Replies: 13
Views: 1264

Re: Hypertension with time management.

I remember last year I crossed this same path and I ended up talking myself into the mentality that this was life and accepting and adapting to things was part of it. Then later that year I experimented, I spend 2 weeks being taskful but pacing myself, even if that meant others had to wait. End resu...
by Keepcalm
Mon Jul 24, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 43
Views: 3827

Re: Pay yourself first.

Not sure I even understand the concept of "paying oneself". Unless I throw money out of the window, I obtain goods/services of comparable value in exchange. I'm always paying myself, although in different forms. That would be an expense. Paying yourself is the act of investing/saving. But...
by Keepcalm
Mon Jul 24, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 43
Views: 3827

Re: Pay yourself first.

Thesaints wrote:Not sure I even understand the concept of "paying oneself". Unless I throw money out of the window, I obtain goods/services of comparable value in exchange. I'm always paying myself, although in different forms.


That would be an expense. Paying yourself is the act of investing/saving.
by Keepcalm
Mon Jul 24, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 43
Views: 3827

Re: Pay yourself first.

Thesaints wrote:Never engaged in that kind of mental accounting. I guess it depends on one's financial discipline whether there is any value in it, or not.


haha I would assume my guess of being a little extreme is accurate.
by Keepcalm
Mon Jul 24, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Hypertension with time management.
Replies: 13
Views: 1264

Re: Hypertension with time management.

Check out "Deep Work" by Cal Newport. Newport's main thesis is that multitasking and distractions are the root cause of low productivity and high stress. But you have to read the book to appreciate his arguments and examples. You will also notice that "everybody" can be wrong, a...
by Keepcalm
Mon Jul 24, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 43
Views: 3827

Pay yourself first.

Curious on how most here pay themselves every month. Do you take a cut out of each paycheck/income source or do you wait until the end of the month and transfer over what is remaining? I have been removing for example 20% of every income source I receive the day I get it and transferring it to my sa...
by Keepcalm
Mon Jul 24, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Hypertension with time management.
Replies: 13
Views: 1264

Hypertension with time management.

I have really put the way I manage my time recently under evaluation. I find I rush to get things done even if I have plenty of time to get them done. I also find myself rushing as I often find myself waiting until the last minute to do things. However not always, sometimes I feel I'm just in 6th ge...
by Keepcalm
Fri Jul 21, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 3780

Re: Is there any reason not to? [4% Checking]

Appreciate all the feedback. A lot of good points were made.

I know one thing, I do not want to increase my spending just to meet the demand. I will have to comb through my consistent monthly transactions and evaluate from there.

Cheers.
by Keepcalm
Fri Jul 21, 2017 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 3780

Is there any reason not to? [4% Checking]

Never seen a checking account have that high of an APR, really considering ditching having a savings account at all and keeping my EF in that.

Can anyone think of a reason not to utilize that checking account and ditch my online savings?

This CU is local to me.


https://necu.org/personal/checking/elite-checking/
by Keepcalm
Thu Jul 20, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: 6K credit line too low.
Replies: 22
Views: 2270

Re: 6K credit line too low.

Thanks for all the feedback.
by Keepcalm
Thu Jul 20, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: 6K credit line too low.
Replies: 22
Views: 2270

6K credit line too low.

My priority is to consolidate/simplify my banking footprint. Think minimalism. Tidyness. This sacrifice is worth a few dings on my FICO score if need be. Anyway, I have a Capital One Venture card I use, which is nice as I travel once per year on vacation and can continue to earn ticket rewards throu...
by Keepcalm
Thu Jul 20, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Why has anyone not capitalized on this?
Replies: 10
Views: 2264

Why has anyone not capitalized on this?

Personal Finance is not taught in K-12. What is to stop someone from conceiving a very successful self employment traveling around to school systems for "hasty" personal finance classes for students?

Could this not be a huge potential?
by Keepcalm
Wed Jul 19, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading Boglehead's Guide to Investing
Replies: 18
Views: 1153

Re: Just finished reading Boglehead's Guide to Investing

That was the point but some are 70/30 and thinking they should be higher because of this bull market. In the very least then this type of behavior is discouraged on the forum. There are a lot of threads on appropriate asset allocations and the consensus seems to be that you should pick an asset all...
by Keepcalm
Wed Jul 19, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading Boglehead's Guide to Investing
Replies: 18
Views: 1153

Re: Just finished reading Boglehead's Guide to Investing

There is some validity to the things you point out. However, they are not things that can be solved. They just are. You have to figure out how to deal with them. JT Probably the best piece of advice your going to get ^ Additionally, If there was an action/solution for every variable in the market t...
by Keepcalm
Wed Jul 19, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading Boglehead's Guide to Investing
Replies: 18
Views: 1153

Re: Just finished reading Boglehead's Guide to Investing

Graham advises the investor to drop his or her allocation to 50% stocks/50% bonds if the investor feels the market is at an uncomfortable high.

It is market timing, however Graham does mention it as an acceptable action.
by Keepcalm
Wed Jul 19, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: How do I contribute to a traditional IRA, literally?
Replies: 15
Views: 1036

Re: How do I contribute to a traditional IRA, literally?

cal91 wrote:
ResearchMed wrote:This signature is a placebo. You are in the control group.



My brain hurts


Scientific Method. :beer
by Keepcalm
Wed Jul 19, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Eliminate 0% CC balance?
Replies: 30
Views: 2314

Re: Eliminate 0% CC balance?

You can think of managing the 0% debt as a job. Is it worth the pay? I go back and forth on this. Right now I have $2K of credit card debt with no interest for 2 years. Realistically, this is helping me earn an extra $20 in interest over two years... Probably not worth they pay but earning "fr...
by Keepcalm
Wed Jul 19, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Eliminate 0% CC balance?
Replies: 30
Views: 2314

Re: Eliminate 0% CC balance?

Mentally, it's bothering me to have the debt. However I do understand it's for lack of better terms free money. Would it be considered rational to just pay it off? It is 6,000. Or should I just continue my 12 month schedule to pay it down and invest/save the money instead? Do you have a good emerge...
by Keepcalm
Wed Jul 19, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Eliminate 0% CC balance?
Replies: 30
Views: 2314

Re: Eliminate 0% CC balance?

Appreciate all of the input. I paid it. I have a lot of black and white outlooks. This has proven to be a very negative and a very positive mindset over the years. Something I'm working on to say the least as lacking the ability to balance in the middle is not a very healthy position to have at time...
by Keepcalm
Tue Jul 18, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Eliminate 0% CC balance?
Replies: 30
Views: 2314

Re: Eliminate 0% CC balance?

flamesabers wrote:Is the 6,000 having a significant impact on your credit utilization ratio? If so, that would be one reason to pay it off sooner then later.


No it's 10% of my ceiling.
by Keepcalm
Tue Jul 18, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Eliminate 0% CC balance?
Replies: 30
Views: 2314

Eliminate 0% CC balance?

Mentally, it's bothering me to have the debt. However I do understand it's for lack of better terms free money.

Would it be considered rational to just pay it off? It is 6,000. Or should I just continue my 12 month schedule to pay it down and invest/save the money instead?
by Keepcalm
Tue Jul 18, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11917

Re: Books not to read.

VictoriaF wrote:The Millionaire Next Door by Stanley and Danko.

Victoria


May I ask why this one is not recommended?
by Keepcalm
Mon Jul 17, 2017 9:04 am
Forum: Investing - Theory, News & General
Topic: Is that one of the longest bull market?
Replies: 10
Views: 1286

Re: Is that one of the longest bull market?

I'm waiting for the bear to come so I can possibly buy a house. No way am I buying right now. Insane out there.
by Keepcalm
Sun Jul 16, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3343

Re: Urgent 1st world problem [coffeemaker]

For me, convenience is a big factor. There are a lot of times my schedule is so tight during the week that I just do not have the time to pull out a kettle and Chemex. More time consuming, more items to wash etc. In addition, I went with this coffee maker in large part due to its build. I appreciate...
by Keepcalm
Sun Jul 16, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3343

Re: Urgent 1st world problem [coffeemaker]

French press, aero press, or pour-over give you more control and better results than even the best drip coffee maker. What is your grinding setup? That is also probably going to make a bigger difference than your coffee maker. Right now I do use a blade grinder, but I do have it down pretty good ge...
by Keepcalm
Sun Jul 16, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3343

Re: Urgent 1st world problem [coffeemaker]

A mixed review. We've owned a Technivorm Moccamaster since 2006 but plan to get rid of it "the next time something happens." It is interesting timing because I am literally writing this with the coffee-cone lid sitting next to me as I waiting for the super glue to dry. https://s12.postimg...
by Keepcalm
Sat Jul 15, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3343

Re: Urgent 1st world problem [coffeemaker]

Ended up getting the Technivorm with the manual drip selector on the brew basket and the stainless thermal carafe. As a single guy living alone I often only make 320-330ml of coffee at a time per 20g of coffee. Due to this most coffee makers were under extracting because the brew process was too qui...
by Keepcalm
Sat Jul 15, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3343

Urgent 1st world problem [coffeemaker]

Sick of dealing with poorly made coffee makers out of China. Have decided I appreciate my coffee and good craftsmanship enough to warrant spending $300.00 on a Technivorm Moccamaster. However, before I go down today to pick it up, I would like to confirm (as most reviews do) that it is a superior co...
by Keepcalm
Sat Jul 15, 2017 1:34 am
Forum: Personal Consumer Issues
Topic: If i turn off central AC will it damage drywalls?
Replies: 38
Views: 3498

Re: If i turn off central AC will it damage drywalls?

My central air is never set above 74 degrees (F). Normally it's at 72. I don't like to sweat. Nah, don't be cheap and turn if off when you're away. I would never abuse my house like that. I leave my condo in FL at 77 when I'm gone, and here in OK at 78 during the day. But 78 at the thermostat here ...
by Keepcalm
Sat Jul 15, 2017 1:15 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3385

Re: What am I missing here? [I'm a bachelor]

The Wizard wrote:You might buy a condo on the secondary market, 1500 sq ft or so, not too small.
That should appreciate in value over the next decade if you're lucky...


Never considered that but raises my eyebrow. May be a good compromise.
by Keepcalm
Sat Jul 15, 2017 1:04 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3385

Re: What am I missing here? [I'm a bachelor]

Thanks for the input all. I thought I was going to get lectured on how my perspective was skewed and biased. It just boils down to my situation right now. Just seems logical to rent. It's just harped on so much as a waste of money that sometimes I feel like it's time to buy a house. Things are well,...
by Keepcalm
Sat Jul 15, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3385

Re: What am I missing here? [I'm a bachelor]

Yes. What you would pay in nominal terms over 30 years if you kept the house that long and paid off the loan is not a very informative comparison to current rent. If inflation stays positive, the loan payment is decreasing in real terms over time. The homeowner's mortgage deduction from taxable inc...
by Keepcalm
Sat Jul 15, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3385

Re: What am I missing here? [I'm a bachelor]

Looked at a house today, $240,000 with a 30 year fixed at 3.75% APR I will pay $270,000 in interest/$510,000 total principle+interest at the end of the 30 years. Add in all the home maintenance, and the taxes. This is why I rent. I have no kids, no wife. Don't need it. The white picket fence Americ...
by Keepcalm
Sat Jul 15, 2017 12:24 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3385

What am I missing here? [I'm a bachelor]

Looked at a house today, $240,000 with a 30 year fixed at 3.75% APR I will pay $270,000 in interest/$510,000 total principle+interest at the end of the 30 years. Add in all the home maintenance, and the taxes. This is why I rent. I have no kids, no wife. Don't need it. The white picket fence America...
by Keepcalm
Fri Jul 14, 2017 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Tony Robbins new book Unshakeable
Replies: 21
Views: 2441

Re: Tony Robbins new book Unshakeable

I use to really enjoy reading investing/financial books but after a while they either begin to repeat themselves (as you would expect) or as others have stated you begin to feel like your being advertised to. Personal finance and long term investing is really simple as far as the process, so I began...
by Keepcalm
Fri Jul 14, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: What do do with $30-$50 "leftover" money in IRA accounts?
Replies: 8
Views: 670

Re: What do do with $30-$50 "leftover" money in IRA accounts?

whodidntante wrote:You might be over thinking this.


Thank you, with the day I'm having I needed that.
by Keepcalm
Fri Jul 14, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: CiT 1.30% Online Savings+$100 bonus New ceiling?
Replies: 3
Views: 648

Re: CiT 1.30% Online Savings+$100 bonus New ceiling?

Ally would not be an option for me as my EF is 15K.