Search found 169 matches

by MortgageOnBlack
Thu Feb 22, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on first home
Replies: 37
Views: 3198

Re: Giving up on first home

I bought my first home at 32 in October 2016. I was (and still to this day) extremely paranoid about whether or not I was making the right decision. In fact, I was convinced that I was getting burned on the deal some how (almost 1.5 years later, I'm still trying to find the reason). The house was up...
by MortgageOnBlack
Thu Feb 15, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 48
Views: 3860

Re: Any Creative Ways to Cut the Cable?

We pay $39.99 a month for Internet, $8.xx a month for Netflix, use an HD antenna (free after $60 initial purchase), and use RedBox whenver something good is out. Luckily, NFL games are free on HD. I use the money saved to enjoy the MLB games in person at the ballpark or at the local bar... To be hon...
by MortgageOnBlack
Wed Feb 14, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3392

Re: rule of thumb of when to sell your car

So my daughters 2011 civic with 75k miles just had two unscheduled repairs. One, the exhaust system was maybe $500. The second was loss of the airbag system due to wiring corrosion at $2000. Does this qualify as a reason to dump the car? She thinks yes and I think no. For what it's worth... I'm sti...
by MortgageOnBlack
Tue Feb 13, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Simplest TLH Strategy
Replies: 2
Views: 398

Simplest TLH Strategy

My current employer doesn't offer a retirement plan. Besides maxing out my Vanguard IRA (ROTH) every year, I am forced to invest extra money in a taxable account. In a perfect world, I would have more tax-deferred space available where I can be 100% in the Vanguard LifeStrategy Growth Fund (AA: 80/2...
by MortgageOnBlack
Mon Feb 12, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?
Replies: 12
Views: 784

Re: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?

My wife is also a Colorado school employee invested through PERA. We looked into the 403b options for her district a while back and they were HORRIBLE. The most incredible fees I've ever seen-- fees to get started, fees to stop, fees is you switch jobs, monthly account fees, withdrawal fees down th...
by MortgageOnBlack
Mon Feb 12, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?
Replies: 12
Views: 784

Re: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?

I appreciate all the feedback. Yes these are Colorado-specific plans. Unfortunately, she will not be able to come close to any of the 401k/457/403b limits for the unforeseeable future due to student loan payments and a car loan (soon to be paid off in 2 years). To be honest, if she isn't getting any...
by MortgageOnBlack
Sun Feb 11, 2018 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?
Replies: 12
Views: 784

Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?

My girlfriend is 26 years old and full-time teacher for a school district she plans on sticking with long-term. I'm helping her with her Retirement account and, based off of a Employee Benefits handbook, she has the following options available to her: 401K (Traditional or ROTH) 403b (Traditional) 45...
by MortgageOnBlack
Fri Feb 09, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Can the real estate market crash if there's no inventory?
Replies: 15
Views: 1269

Re: Can the real estate market crash if there's no inventory?

Just a general question. With many more buyers looking, rents rising, and less sellers can a real estate market decline considerably? In my market there's a major housing shortage. I see a lot of overpriced junk, reminiscent of 2005. However now buyers are everywhere. People have to find a place to...
by MortgageOnBlack
Fri Feb 09, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Does this strategy make sense in a falling market?
Replies: 19
Views: 2177

Re: Does this strategy make sense in a falling market?

I invested some of my EF last minute yesterday. The money was not parked and doing nothing as I originally had it designated as emergency fund money. I'm currently at 1 year emergency fund money; I don't see any reason why I shouldn't scale back to 6 months (I feel comfortable at 6 months) if an opp...
by MortgageOnBlack
Thu Feb 08, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265185

Re: U.S. stocks in freefall

Submitted a small order at 3:59EST... Not going to make me rich, but will help offset my 1/22 Initial purchase of $3000 into VTSMX (first time with Taxable). Will probably TLH my initial purchase on the next bad day.... After this madness, going to invest same amount monthly on the same day and stay...
by MortgageOnBlack
Mon Feb 05, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: When is best time to Tax Loss Harvest? Beginner needs help understanding process and strategies.
Replies: 5
Views: 768

Re: When is best time to Tax Loss Harvest? Beginner needs help understanding process and strategies.

I've spent quite a bit of time this evening trying to better understand tax loss harvesting and could use some advice from a more experienced investor. The money I'm dealing with small and may not warrant any action at the moment but I want to establish a habit of Tax Loss Harvesting on BD's and RBD...
by MortgageOnBlack
Mon Feb 05, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: TLH With SpecID If Bought Within 30 Days Before Harvesting
Replies: 14
Views: 1085

Re: TLH With SpecID If Bought Within 30 Days Before Harvesting

Have a similar scenario... I made my initial purchase of $3,000 on 01/22 for VTSMX in my taxable (42.499 shares at $70.59 a share). I'm completely new to Tax Loss Harvesting and I'm not sure if I should take action or just wait (I only bought my shares 2 weeks ago!). I have never Tax Loss Harvested ...
by MortgageOnBlack
Mon Feb 05, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: When is best time to Tax Loss Harvest? Beginner needs help understanding process and strategies.
Replies: 5
Views: 768

When is best time to Tax Loss Harvest? Beginner needs help understanding process and strategies.

As my luck would have it, I bought 42.499 shares of VTSMX (Total Stock Market Index) at $70.59 ($3,000.00 initial investment) on 01/22 in my taxable. Now, I realize I could pound sand and scream to the sky, but I don't have any regrets because I finally got into the taxable game and plan on holding ...
by MortgageOnBlack
Mon Feb 05, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13356

Re: Financial Hole

First off, you are doing yourself a great service by acknowledging the problem and trying to find a way to correct it. Don't beat yourself up; I for one realize and know everyone is dealt different cards. Please provide additional info about your situation and members in this forum will help you put...
by MortgageOnBlack
Fri Feb 02, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Switching Home and Auto Insurance... Recommendatons?
Replies: 5
Views: 457

Re: Switching Home and Auto Insurance... Recommendatons?

Was just on the phone with Amica for the past 1.5 hours... Rep was pleasant, but my gosh... felt like a home inspection all-over again! To top it off, they will need to send an independent inspector (no charge to me) over to review my house; gives me a bad feeling that they would try to weasel out o...
by MortgageOnBlack
Fri Feb 02, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Switching Home and Auto Insurance... Recommendatons?
Replies: 5
Views: 457

Switching Home and Auto Insurance... Recommendatons?

I currently have 2 Insurance providers for Home and Auto. I'm shopping around to see if I can save some money; my Progressive rates have gone up quite a bit since I got caught in speed trap back in 04/2016. Figured it's a good time to re-evaluate my coverage and make a change. Current: 1)Auto - Prog...
by MortgageOnBlack
Wed Jan 31, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Buying on BD's and RBD's
Replies: 9
Views: 443

Re: Buying on BD's and RBD's

When I buy at Vanguard I always get the same-day closing price NAV if the order was placed before market close that day, even when the money is coming from a bank transfer. If it's after market close I get the next day's closing price NAV. Great tip; I didn't realize that's how it worked... Closing...
by MortgageOnBlack
Wed Jan 31, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Buying on BD's and RBD's
Replies: 9
Views: 443

Buying on BD's and RBD's

Newbie question: I'm not one for market timing, but I will raid the "piggy bank" to scrounge up some extra cash for investing on RBD's and BD's. When should one purchase more shares on BD's and RBD's? I feel like I missed out again because of my poor execution. I feel like if I put in my request to ...
by MortgageOnBlack
Tue Jan 30, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: The housing nowadays
Replies: 64
Views: 5876

Re: The housing nowadays

The housing euphoria is in full force among my mid-20's to mid-30's peer group. Most everyone I know is obsessed with buying a house. The justifications range from fear of getting priced out of the market to the "it's an investment" fallacy. A trick many of them are using to buy houses that they ca...
by MortgageOnBlack
Thu Jan 25, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential
Replies: 31
Views: 3135

Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential

I posted a while back about my 63k salary as an IT tech. Truth is, I'm completely burned out and tired of IT. Maybe it's this specific job (IT Managed Services for a very small company (only myself and the owner)), but it's gotten to the point where I have ZERO patience. I'm tired of the demands and...
by MortgageOnBlack
Wed Jan 24, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8528

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

Still running my iPhone 6 that I purchased 12/2014. Don't have any intentions to upgrade until I have to do (firmware updates or lost/stolen). I will replace the battery when it needs it.
by MortgageOnBlack
Wed Jan 24, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 20
Views: 2949

Re: Anyone want to share their monthly budget? Here's ours

33-years old Salary: $63,000/year ~Take-Home: $45,500/year ($3791.66 a month) $3791.66 a month -1100.00 for Shared Expenses w/ Girlfriend (we each contribute $1100 each a month) --$592.50 (half of mortgage, escrow) --$32.50-$52.50 (half of Xcel depending on year) --$25-$50 (half of water depending o...
by MortgageOnBlack
Sun Jan 21, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Collecting Old Currency... Best place to get? Online? Bank
Replies: 7
Views: 505

Collecting Old Currency... Best place to get? Online? Bank

I came across an older small-face $100 bill (1984) back in 2012 and foolishly deposited it in the bank the same year. Does anyone know a way to pick-up another? I see some on Ebay for around $125-$160 a bill. Curious if there's a better way to pick-up one through a bank or another source. Any tips? ...
by MortgageOnBlack
Sun Jan 21, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2737

Re: what is the best mouse poison?

We used to have good luck with peanut butter lately apple slices have been working better in the traps. I never liked the poisons because they have a tendency crawl up into bad spots and die and stink. they also crawl outside and get consumed by other animals so the poison moves through the food ch...
by MortgageOnBlack
Thu Jan 18, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4625

Re: Anyone pondering moving to a cheaper place and downsizing?

Just did this over the past year. Sold in NY and moved to FL. Bigger house, taxes 1/6 of NY property taxes, no heating bill, no state income tax, low utility bills, low insurance costs, etc etc. one of the best decisions eva!! Just got back from a trip to Tampa for the New Year. Sarasota is a great...
by MortgageOnBlack
Wed Jan 17, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: Recent market gains
Replies: 18
Views: 1627

Re: Recent market gains

Right when i finally got $3,000 in my Vanguard Taxable Money Market account. Was looking to finally buy into Total Stock Market tomorrow. :shock: Guess, I'll just blindly through the money in.
by MortgageOnBlack
Fri Jan 05, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: How fast can one sell their shares? Also questions about why NOT to try to time the market.
Replies: 7
Views: 547

Re: How fast can one sell their shares? Also questions about why NOT to try to time the market.

On a RBD, when would be the best time to buy new shares? Before the 4:00pm market close time or after. Does this only benefit you if you are buying ETF's? Although I'm fully invested in Vanguard Index MutualFunds (non ETF's), how could I still benefit on a RBD? I'm not holding off to invest for a RB...
by MortgageOnBlack
Fri Jan 05, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with a single Ally Savings Account - Emergency/Contigenency/Oppurtunity/Car/Travel/Etc...
Replies: 12
Views: 1049

Re: Need help with a single Ally Savings Account - Emergency/Contigenency/Oppurtunity/Car/Travel/Etc...

This is precisely why I refer to my Emergency fund as "Cash reserves" instead. I keep it in a range where I wont let it fall below a certain number, or go above another. So for example: If a 6 month emergency fund were $30K for me. I would then aim to hold cash reserves between $30K and $60K. If ex...
by MortgageOnBlack
Fri Jan 05, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with a single Ally Savings Account - Emergency/Contigenency/Oppurtunity/Car/Travel/Etc...
Replies: 12
Views: 1049

Need help with a single Ally Savings Account - Emergency/Contigenency/Oppurtunity/Car/Travel/Etc...

For the longest time, I've kept a single savings account with Ally Bank (has grown to around $30k). This savings account was originally designated to be used for Emergency/Contingency/Opportunity/Car/Travel/Etc items.... Mentally, it's hard for me to use any of this money and I'd prefer to create su...
by MortgageOnBlack
Fri Jan 05, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Buying a car? [Need help with strategy for purchasing a used car]
Replies: 40
Views: 4335

Re: Buying a car?

Car is worth about $500 Kelly BB value (corolla 2001), but costing about $3000 to repair (grill, hood, radiator damage). and I don't really care about looks,age, or features So repair the Corolla. Take it around to a few mechanics. You'll get a "just get it running" bill of way less than $3,000. Fo...
by MortgageOnBlack
Fri Jan 05, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Buying a car? [Need help with strategy for purchasing a used car]
Replies: 40
Views: 4335

Re: Buying a car?

If you're trying to find a loophole and don't care about looks, I had a friend who bought a newer Honda Civic with very bad hail damage for dirt cheap at an auction. The hail had no impact on the reliability and drive train. You could also use this opportunity to spoil yourself a bit. Hondas/Toyotas...
by MortgageOnBlack
Thu Dec 07, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about Taxable Account and paying Taxes
Replies: 4
Views: 644

Confused about Taxable Account and paying Taxes

I have about 80k in my Vanguard Tax Deferred accounts (57k Rollover IRA, 23k Roth IRA). All funds in the accounts are currently holding Vanguard LifeStrategy Growth Fund (VASGX) fund keeping my asset allocation at 80/20. Investing in Tax Deferred space has been easy and worry-free. However, my emplo...
by MortgageOnBlack
Thu Dec 07, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6869

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

Have you considered federal government jobs? Some of their IT guys make well over $100,000, and they are usually 40-hour/week jobs with the best benefits you can find. Yes I have. I have tried to apply for city/state/goverment jobs online multiple times and never get a callback. I almost get the vi...
by MortgageOnBlack
Thu Dec 07, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6869

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

I had a very similar upbringing - even down to the Associate's degree at a for-profit college that I wish I wouldn't have pursued. I came out of school making a pittance as a web developer, but now, 15 years later, I'm doing very well for myself. In a nutshell, the moves that have more than quadrup...
by MortgageOnBlack
Thu Dec 07, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6869

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

Have you considered federal government jobs? Some of their IT guys make well over $100,000, and they are usually 40-hour/week jobs with the best benefits you can find. Yes I have. I have tried to apply for city/state/goverment jobs online multiple times and never get a callback. I almost get the vi...
by MortgageOnBlack
Thu Dec 07, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6869

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

Since I graduated with my associate's degree in 2004 at 20 years old, I have worked for 2 other small IT business with less than 30 employees. I am the only employee of my current employer as Systems Engineer for a small IT Managed Services company. I have been with my current employer since March ...
by MortgageOnBlack
Thu Dec 07, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6869

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

As an IT guy myself I can tell you that the highest percentage salary jumps come by changing jobs. The best salaries are often paid by Megacorps which can be soul-draining, however. For now, you're young, learn all the trendy buzzword languages and networking protocols and switch jobs a few times i...
by MortgageOnBlack
Thu Dec 07, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6869

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

I am about your age and started in IT consulting, mostly performing installations and configurations of specific software for customers. I branched into the sales division after doing that for a couple of years. I doubled my income my first year. Now, I'm about 5 years in and am at 5X what I was ma...
by MortgageOnBlack
Thu Dec 07, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6869

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

It sounds like you are the IT Jack-of-All-Trades at your current company, are you actually doing much Systems Engineering or are you spending most of your time on support issues? According to Glassdoor the average IT salary in the US is $64,990. so you are really not doing that badly. There is a lo...
by MortgageOnBlack
Thu Dec 07, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6869

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

No development skills. Most of my skills are Microsoft/Hardware/Network/Various Software Support. Perhaps this has held me back a bit.
by MortgageOnBlack
Thu Dec 07, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6869

33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

I'll admit, it gets pretty depressing to see some of the salaries that other Bogleheads are earning. I would like to start making moves to get myself into another tier financially. I am open to furthering my education (if it makes financial sense) and even switching my career path (if necessary). Al...
by MortgageOnBlack
Sun Dec 03, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 6184

It's that time of year again... buying christmas gifts

My girl and I just had our annual fight about the Christmas budget. I absolutely hate the pressures of society forcing me to buy unnecessary gifts for people who don't need it. I checked our budget ($600 total ($300 each)) and it still frustrates me; my brain just isn't wired this way. How can I sha...
by MortgageOnBlack
Mon Oct 23, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to make a Will myself?
Replies: 20
Views: 1364

How to make a Will myself?

I'm 33 years old, No Kids. I recently bought a house with my girlfriend. My name is the only one on the title, but my girlfriend split the down payment with me along with all the mortgage payments, utilities. In the event of something happening to me, how can I transfer the mortgage/title to her? Al...
by MortgageOnBlack
Wed Oct 18, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to talk my boss (owner) into setting up Simple IRA retirement plan?
Replies: 2
Views: 291

Best way to talk my boss (owner) into setting up Simple IRA retirement plan?

Hello, I'll be 34 years old in March and I've been employed for a small IT Managed Services Provider since March 2015. Since my employment, I've managed to have my salary adjusted from $53k to $63k along with my employer enrolling me into a healthcare plan (he's never had one setup before and did it...
by MortgageOnBlack
Sat Aug 26, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: 33 years old, how am I doing ?
Replies: 54
Views: 8906

Re: 33 years old, how am I doing ?

I'm the same age and make 63k a year with 75k in my Vanguard Retirement accounts (0 kids). I thought I was doing fine, but if you're concerned about not doing well with your net worth and current income/expenses maybe I should just jump off a cliff?
by MortgageOnBlack
Wed Aug 09, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: After maxing out Roth, have 15k takehome extra a year... Savings? Extra Mortgage Payment? Taxable?
Replies: 10
Views: 1555

Re: After maxing out Roth, have 15k takehome extra a year... Savings? Extra Mortgage Payment? Taxable?

Great news. Due to appreciation in our area, I was able to refinance to eliminate the PMI ($77.87 a month) and also got a slightly lower rate (from 3.99% to 3.75%) Our house appraised at $276,000, our purchase price was $239,900 on 10/2016. With our current loan balance of around 224k, we needed to ...
by MortgageOnBlack
Thu May 25, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 74
Views: 9685

When does Saving become missing out on life?

Something I've personally been struggling with lately, when does saving become obsessive? At 33, I find myself being obsessed with saving and cutting corners as much as I can (I don't even pay for Cable or Trash Service; only use netflix and convinced parents to let me use their trash service (they ...
by MortgageOnBlack
Mon Jan 30, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 6988

Re: Please tell me if I can afford this Porsche

To think last night I was pricing $5000 Honda Civics with my $65k salary. I feel like a loser now
by MortgageOnBlack
Fri Jan 27, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: What do you include in your asset allocation calculations?
Replies: 43
Views: 4861

Re: What do you include in your asset allocation calculations?

How about the mortgage? Can this be looked at like a bond to encourage extra principal payments which could be used in conjunction with taxable investing (Total US Stocks or Total International), assuming all tax-advantaged accounts are being maximized? I like the idea of a guaranteed return even if...