Search found 647 matches

by Nate79
Thu May 25, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage or Refinance & Invest - Specific Scenario
Replies: 5
Views: 166

Re: Mortgage Refinance or Invest - Specific Scenario

What guarantee do you have that your investments will beat your mortgage rate over the next 10 years?
by Nate79
Thu May 25, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks
Replies: 33
Views: 1473

Re: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks

If index funds want to vote at their holdings shareholder meetings I think that they (the index fund) should put it to a vote to their shareholders (us). This is, honestly, a dumb idea. Vanguard voted on 155,490 proposals last year. Do you really want them to send you a 276 page ballot like this? h...
by Nate79
Thu May 25, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs Schwab Total Stock Market Index Fund
Replies: 13
Views: 995

Re: VTSMX vs Schwab Total Stock Market Index Fund

I guess everyone has a different definition of difference but to me 3% over 18 years is a pretty significant difference between Vanguard and Schwab. Expenses add up and I would be happy to have a few percent extra in my account in retirement by going with Vanguard vs Schwab.
by Nate79
Thu May 25, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Mortgage prepay math with PMI
Replies: 11
Views: 976

Re: Mortgage prepay math with PMI

Could depend on the lender, but I thought you were require to keep the PMI for a minimum amount of time (I think 2 years) regardless of how much you pay down. Probably does depend on the lender. We went with a local credit union, and this was something we specifically asked about before getting the...
by Nate79
Thu May 25, 2017 9:04 am
Forum: Investing - Theory, News & General
Topic: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks
Replies: 33
Views: 1473

Re: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks

If index funds want to vote at their holdings shareholder meetings I think that they (the index fund) should put it to a vote to their shareholders (us). Or if they want to publicly pressure a company like Exxon to do something put it to a vote of the holders of the index fund. How do we get a say i...
by Nate79
Thu May 25, 2017 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Help my wife choose her retirement allocation
Replies: 14
Views: 608

Re: Help my wife choose her retirement allocation

Absolutely go with the low cost index funds. Looks like she has access to very low ER funds.
by Nate79
Wed May 24, 2017 9:35 pm
Forum: Investing - Theory, News & General
Topic: Cash flow observation
Replies: 21
Views: 1370

Re: Cash flow observation

Recent locked thread on net worth. Do we need another?

viewtopic.php?f=2&t=219448
by Nate79
Wed May 24, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate tax benefit of owning a home
Replies: 28
Views: 1393

Re: How to calculate tax benefit of owning a home

Our home represented a significant tax deduction when itemizing thanks to other itemized deductions (significant state tax, gifts, etc).

The mortgage interest + real estate tax was almost fully deductible thanks to all the itemized deductions that we would have had regardless of the house.
by Nate79
Wed May 24, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Arrived at milestone - what should be my next step?
Replies: 14
Views: 1331

Re: Arrived at milestone - what should be my next step?

Even if spouse is a big Dave Ramsey fan (me too for certain aspects) my understanding of his steps are: 1) Small emergency fund 2) Pay off all debt except mortgage 3) 6 months emergency fund 4) Retirement funds, college funds, and then start paying off mortgage. As far as I know he doesn't recommend...
by Nate79
Wed May 24, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Maximize number of ETFs in taxable account to maximize Tax Loss Harvesting opportunities?
Replies: 18
Views: 746

Re: Maximize number of ETFs in taxable account to maximize Tax Loss Harvesting opportunities?

You have to ask yourself two questions. One, what will be your trigger point for TLH? Will you TLH if a fund drops 1%? 5%? The second question is how closely are these funds tracking each other? In other words why do you need to have so many different funds if their correlation is so close that they...
by Nate79
Tue May 23, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: 529 Questions. Double tax breaks?
Replies: 7
Views: 863

Re: 529 Questions. Double tax breaks?

Where is the double tax break? I'm not seeing it.
by Nate79
Tue May 23, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Identify theft inusrance coverage - worth it?
Replies: 10
Views: 685

Re: Identify theft inusrance coverage - worth it?

I believe this is covered under our home owners insurance.
by Nate79
Mon May 22, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 8723

Re: Net worth is overrated

Net worth is an extremely valuable metric. It may be underrated.... It is obvious that the specific situation surrounding the value of the net worth is also very important.
by Nate79
Mon May 22, 2017 12:24 am
Forum: Investing - Theory, News & General
Topic: Puzzle for you: Stocks returns vs. Economic Growth
Replies: 36
Views: 2416

Re: Puzzle for you: Stocks returns vs. Economic Growth

How much did currency effect play into the order?
by Nate79
Sun May 21, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 33
Views: 3423

Re: Investing Emergency Fund

Our emergency fund is a series of buckets from cash to savings account, ibonds, short term bonds and TSM index fund. When considering the value of the stocks towards an emergency I mentally discount them 50%. I also include Roth IRA contributions as a bucket.
by Nate79
Sun May 21, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Using guaranteed yield in life insurance policy
Replies: 9
Views: 814

Re: Using guaranteed yield in life insurance policy

This is one area that I agree with Dave Ramsey. Whole life is one of, if not the worst financial product. It borders on being a scam considering the hidden fees and costs and misleading "guaranteed" rates. There are so many threads on how horrible these products are, just do a search.
by Nate79
Sun May 21, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: What if I have enough money?
Replies: 22
Views: 4200

Re: What if I have enough money?

Do you plan to downsize and move to a lower cost of living area? I mean you have a lot of home equity locked up in yoir net worth.
by Nate79
Sun May 21, 2017 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Need help deciding between 401k Intl fund or 401k brokerage Intl Fund
Replies: 4
Views: 289

Re: Need help deciding between 401k Intl fund or 401k brokerage Intl Fund

I would use the Blackrock fund in a heartbeat. Honestly I would consider it crazy to pay a trading cost to buy the Vanguard fund which even has a higher ER.
by Nate79
Sat May 20, 2017 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Risk vs. Reward analysis on contributing to 529 when child is hypothetical
Replies: 16
Views: 908

Re: Risk vs. Reward analysis on contributing to 529 when child is hypothetical

You didn't say it but are you maxing all possible retirement accounts?

I would not fund a 529 plan without a child at least on the way.
by Nate79
Fri May 19, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: I'm having a freak-out moment (portfolio question)
Replies: 24
Views: 2358

Re: I'm having a freak-out moment (portfolio question)

1. Pay off the credit card debt asap. 2. Build 6 months expenses emergency fund asap 3. Stop investing in random stocks. You have significant single company stock risk. I would slowly sell all of your single stocks and buy a typical index fund. The last thing I would do is put more money in any of t...
by Nate79
Fri May 19, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Neighbor draining onto / flooding my patio and yard daily - what can I do?
Replies: 59
Views: 4715

Re: Neighbor draining onto / flooding my patio and yard daily - what can I do?

Agree with the other posts. This is your problem, not the neighbors.
by Nate79
Fri May 19, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: ER of 0.01-0.03
Replies: 5
Views: 917

Re: ER of 0.01-0.03

1. Nothing.
2. No
3. No

This is not that uncommon. My 401k has an S&P500 index fund by Blackrock with ER of 0.02%.
by Nate79
Fri May 19, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 1910

Re: Edward Jones vs Vanguard self managed

Plain and simple he lied to you. I hope you have zero confidence in working with this charlatan and transfer out asap.
by Nate79
Fri May 19, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 108
Views: 12531

Re: My dad is taking Social Security at 62, why would anyone not?

The benefits to delaying SS have been documented extensively on this site. Suggest you do a very basic 5 second search to find the million threads on the subject. Whether or not to take SS early or delay is a very complex personal decision.
by Nate79
Fri May 19, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Transaction Receipts for Expenses / Too Complicated?
Replies: 8
Views: 740

Re: Transaction Receipts for Expenses / Too Complicated?

I would suggest you start by reading the annual report for a fund like VTSAX to get a better understanding of the different costs that the mutual fund company has to run the fund. Thanks. I read it again. It definitely accounts for the expenses for the fund as a whole. It does not show the mechanis...
by Nate79
Fri May 19, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1578

Re: Tire Puncture - plug from outside or patch and plug from inside

new2bogle wrote:
Nate79 wrote:
Cosmo wrote:Just take to Goodyear Tire and they will plug for free.


Discount Tire/America's Tire will also fix for free.


This is also for tires not purchased from them?


Yes, they do free plug/patch from inside as recommended by RMA. They also do free tire rotations.
by Nate79
Fri May 19, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: I am a huge believer in Passive Indexing.. but.....
Replies: 42
Views: 3096

Re: I am a huge believer in Passive Indexing.. but.....

Maybe you have a great system. Maybe you have the magic touch. Who knows? But that's not the point about passive vs active. Active here meaning doing your own stock picking (vs active mutual fund). The point is that depending on your age are you ready to keep this up for an investing horizon of 20, ...
by Nate79
Fri May 19, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Buy 1st House Cash?
Replies: 20
Views: 1433

Re: Buy 1st House Cash?

Are you maxing all retirement accounts? This would be my priority #1. So you would put $46k/year into retirement (17.5 401k X 2 + 5.5 Roth IRA X 2) before you would put more down on your mortgage? Personally I would max one 401k at least ($18k), get all match money in the other 401k, max 2 Roth IRA...
by Nate79
Thu May 18, 2017 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Transaction Receipts for Expenses / Too Complicated?
Replies: 8
Views: 740

Re: Transaction Receipts for Expenses / Too Complicated?

I would suggest you start by reading the annual report for a fund like VTSAX to get a better understanding of the different costs that the mutual fund company has to run the fund.
by Nate79
Thu May 18, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 2880

Re: REITs: Count as Stocks or Bonds?

What I don't understand is why people could even think that REITs could in any way at all be consider part of a bond allocation or bond like.
by Nate79
Thu May 18, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buy 1st House Cash?
Replies: 20
Views: 1433

Re: Buy 1st House Cash?

Are you maxing all retirement accounts? This would be my priority #1.
by Nate79
Thu May 18, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Death in family a week before cruise
Replies: 30
Views: 3417

Re: Death in family a week before cruise

Sometimes trip insurance can be added after the fact. Always good to check.
by Nate79
Thu May 18, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1578

Re: Tire Puncture - plug from outside or patch and plug from inside

Cosmo wrote:Just take to Goodyear Tire and they will plug for free.


Discount Tire/America's Tire will also fix for free.
by Nate79
Thu May 18, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Annual house maintenance costs
Replies: 25
Views: 1538

Re: Annual house maintenance costs

I once made a big excel sheet of all the items in our house (appliances, roof, windows, etc etc etc), calculated a replacement cost and estimated life. I recall that the 1% per year cost, which of course doesn't actually occur every year but in lump sums, was actually pretty close to the value I cal...
by Nate79
Thu May 18, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Paying balance of costly ambulance ride
Replies: 18
Views: 1031

Re: Paying balance of costly ambulance ride

There was at least one recent long thread on ambulance cost and being out of network. I suggest you search around on the site. This is not an uncommon situation. Call your insurance company and discuss with them. This is very normal. Call the ambulance billing department and discuss with them. Try t...
by Nate79
Thu May 18, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12266

Re: For those with $500k-$1m in investments...

10% excluding cash reserves/savings account/EF.
by Nate79
Tue May 16, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 7264

Re: Article: "Our emergency fund is exactly $0.00"

My entire net worth is my emergency account. If it means becoming homeless or eating cat food I will be selling anything and everything to prevent that situation.
by Nate79
Mon May 15, 2017 11:59 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 49
Views: 4426

Re: Tipping for restaurants where you order at the counter

1. Nope
2. Nope
3. Nope unless they refill drinks at the table.

I'm really sick and tired of the American culture of expecting a tip. Even worse is the current thread on going to all inclusive resort where American tourists are spreading this tipping stupidity.
by Nate79
Mon May 15, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2202

Re: Few days in Portland in July

If you are fascinated by homeless tent cities then you are in luck. We've got a lot of them....
by Nate79
Mon May 15, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3091

Re: Homeowner's Insurance & New Roofs

Does any of your neighbors use USAA?
by Nate79
Sun May 14, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 4794

Re: Tipping at All Inclusive Resort?

We were at an all inclusive in Costa Rica this last year. I saw a few people tip at the bar but that was it. No we don't tip. Barely ever carried money or wallet. That is the nice part about being at such a resort. If I felt the resort expected at all any tipping it would be the last time we went th...
by Nate79
Sun May 14, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2202

Re: Few days in Portland in July

I have a wedding to attend in Portland in late July. We will be arriving late on a Friday. We will have all day Saturday before the wedding and the entire day Sunday free. We are staying at the Marriott Downtown Waterfront. I was thinking something in Portland on Saturday and maybe heading to some ...
by Nate79
Sun May 14, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2202

Re: Few days in Portland in July

A few ideas depending on what you like. Multnomah Falls is beautiful and not too far of a drive. You can eat lunch at Timberline Lodge on Mt Hood. Beautiful view up there and the drive. The ocean is only about 1.5hr away and the coast is beautiful. A little farther is Mt St Helens which is an amazin...
by Nate79
Sun May 14, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Fee to close credit card?
Replies: 15
Views: 1477

Re: Fee to close credit card?

Never heard of it as I would think if you are not using it, it would be in their best interest to have you close it... It's definitely not in the bank's best interest for you to close the card. If you close it they can no longer make money off of you/that card. That's why they make you jump through...
by Nate79
Sun May 14, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: HDHP with HSA in Teachers' Contract
Replies: 6
Views: 469

Re: HDHP with HSA in Teachers' Contract

There are a ton of threads on here comparing PPO to HDHP plans from a financial perspective. I suggest you read these threads so you understand how to compare to plans and how to do the math. Without all the cost information you can not compare a PPO to HDHP.
by Nate79
Sun May 14, 2017 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy a condo (from an investment standpoint)
Replies: 41
Views: 5813

Re: Why would anyone buy a condo (from an investment standpoint)

I surely hope you don't do your retirement math like that. Try a 3.5-4% withdrawal rate on the $300k as an income stream to pay the housing cost perpetually inflation adjusted. That would be at least getting somewhat closer to a realistic comparison vs the staged scenario you made up.
by Nate79
Sun May 14, 2017 12:42 am
Forum: Investing - Help with Personal Investments
Topic: edward jones guided solutions/grandfathered
Replies: 11
Views: 1114

Re: edward jones guided solutions/grandfathered

Thanks for the responses. I do have a Fidelity account. Its an individual taxable account that I invest a little money in. I called Fidelity and a rep will call me back next week. I am looking at just rolling it all over to a target retirement fund in Vanguard. Their expense ratio was 0.16% compare...
by Nate79
Sat May 13, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Left Ameriprise, Looking for general comments and advice
Replies: 13
Views: 1008

Re: Left Ameriprise, Looking for general comments and advice

Why do you invest in taxable when you are not maxing out your Roths?
by Nate79
Fri May 12, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Does trade execution speed matter?
Replies: 15
Views: 1528

Re: Does trade execution speed matter?

Read this thread and come back to us.

viewtopic.php?t=165732
by Nate79
Fri May 12, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 7719

Re: Tesla Solar Roof

Even if they payoff after 30 years it is only because of the tax credits. This is not even close to a viable technology yet.

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