Search found 417 matches

by alpenglow
Sun Sep 24, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 68
Views: 3436

Re: What is your favorite reasonably priced bourbon?

I'm enjoying a Russell's Reserve Single Barrel right now. :beer

Yum!!
by alpenglow
Sun Sep 24, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 68
Views: 3436

Re: What is your favorite reasonably priced bourbon?

I think you've gotten a lot of suggestions that may be tough to make sense of. You might want to consider whether you like high-rye, low-rye, or wheated bourbon. I'm partial to high-rye bourbon and like full fledged rye whiskey quite a bit (High West Rendezvous Rye is my favorite). This guide from t...
by alpenglow
Sat Sep 23, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 68
Views: 3436

Re: What is your favorite reasonably priced bourbon?

If you like Four Roses Small Batch, you'll probably also like Four Rose Single Barrel. I think it's a big step up.
by alpenglow
Fri Sep 15, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Equifax security manager had a music degree -- what?
Replies: 10
Views: 851

Re: Equifax security manager had a music degree -- what?

I studied Plant Science and had a very successful Wall St. career. So what?
by alpenglow
Thu Sep 14, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 56
Views: 4842

Re: Turned down for umbrella insurance

Thanks for the data point. My photo is tricking you though, I'm in NY.
by alpenglow
Thu Sep 14, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 56
Views: 4842

Re: Turned down for umbrella insurance

State Farm asks practically no questions when you buy umbrella insurance, and their policies are really cheap in my neck of the woods (at least if you don't have teenage children just learning to drive). They may require you to switch your HO and auto to them however. So you'll be shopping the whol...
by alpenglow
Sun Sep 10, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Who actually buys lottery scratch offs?
Replies: 43
Views: 2746

Re: Who actually buys lottery scratch offs?

I don't think I've ever bought a scratch off ticket. I joined an office pool once about 20 years ago. Gambling isn't my thing.

FWIW, I was a successful professional day trader when I was younger. I wasn't gambling. :moneybag
by alpenglow
Thu Sep 07, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: How to buy raw (unimproved) land?
Replies: 34
Views: 3618

Re: How to buy raw (unimproved) land?

Right now the taxes are just over $4k. That being said, if I were to bring utilities and a road to it, plus build a cabin, the value of the land would likely increase quite a bit and taxes would go up. Wow - those taxes are no joke. Does your state have a property tax reduction program for keeping ...
by alpenglow
Mon Sep 04, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How to break into new field?
Replies: 48
Views: 3001

Re: How to break into new field?

Another possiblility might be to look for a teaching job in a district that pays more. That would be great, but here they are all literally within $1,000 per year difference at most. Most even less. .., You would get about twice as much in the NYC area, and more with more seniority. Yeah, Texas doe...
by alpenglow
Thu Aug 31, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy raw (unimproved) land?
Replies: 34
Views: 3618

Re: How to buy raw (unimproved) land?

I own about 40 acres of raw timberland in Vermont. A few thoughts: * Septic is a big deal, at least in Vermont. Know your laws. Consider making an offer contingent on septic capacity. I had my land perc tested before I bought it. Also, be aware of different types of septic systems. My land perc'ed w...
by alpenglow
Wed Aug 30, 2017 6:18 am
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7199

Re: How much sooner could you retire with NO property taxes?

The majority of my taxes go to schools. The public library, road maintenance/snow removal, police, fire, and garbage pickup are all in there too. We have to pay for these services somehow. So, to answer your question, I'd likely be able to retire many years earlier without paying property taxes. How...
by alpenglow
Tue Aug 29, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8022

Re: Relative angry I will not co-sign

I made the mistake of loaning money to a family member once and I learned my lesson. Luckily, I eventually got my principal back, but it took years. At one point, when I knew the family member could make some small payments, he said "why should I pay you when I can get interest keeping the money in ...
by alpenglow
Tue Aug 29, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage paid off - what to do next?
Replies: 12
Views: 1672

Re: Mortgage paid off - what to do next?

In retrospect (with me retired and my spouse doing so in about 2 years), I wish we had saved less and spent more money traveling with our kids or bought a vacation home. Some of the best times in my life were spent with my wife travelling before we had kids. The kids are four now and they are reall...
by alpenglow
Tue Aug 29, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage paid off - what to do next?
Replies: 12
Views: 1672

Re: Mortgage paid off - what to do next?

@stickman731 - Thanks for the list! @delamar - Your reply is certainly part of my conundrum. There is part of me that holds out for early retirement, kinda like shooting the moon in hearts (you see the possibility but can you pull it off!?). Then it would certainly be worth deferring everything I ca...
by alpenglow
Tue Aug 29, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage paid off - what to do next?
Replies: 12
Views: 1672

Re: Mortgage paid off - what to do next?

bloom2708 wrote:
Tue Aug 29, 2017 4:18 pm
Congrats! You are "almost" debt free.

Pay that off even it is such a "good" deal. Then you can be debt free.
Thanks!

I'm sure those car loans will start to gnaw at me like the home loan. :happy
by alpenglow
Tue Aug 29, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage paid off - what to do next?
Replies: 12
Views: 1672

Re: Mortgage paid off - what to do next?

Badbreath and dottie57 - thanks for your replies!

I was hoping for a few more opinions. Is it possible to tax defer too much? If my pension comes though (one never knows) and I keep deferring at this rate, I'll easily be in a higher tax bracket for RMDs.
by alpenglow
Sat Aug 26, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage paid off - what to do next?
Replies: 12
Views: 1672

Mortgage paid off - what to do next?

This Friday our mortgage will be paid off (yay!). It was actually a PenFed HEL that we got thanks to hearing about it here. Anyway, we're curious as to how we should prioritize our next steps. Here is a generalized overview of our finances. Emergency fund: 2 months (We wore this down because we were...
by alpenglow
Sun Aug 20, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 55
Views: 4404

Re: Kitchen knife set. Good quality - Recommendations

I would recommend going to a store when you can actually handle the knives. You'll find that some fit the hand better than others and have different balance points. As some have mentioned, I see no need for a set of knives. I have a Shun Santoku for heavier chopping, a cheap pair of ceramic knives (...
by alpenglow
Sun Aug 20, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15825

Re: Jobs that pay over $100,000

Teachers in the suburbs around NYC make a solid 6 figures within 10 years working 180 days/year. This does not apply to Florida. It's a great job but it's not for everyone.
by alpenglow
Fri Aug 04, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Survey ate some of my property....
Replies: 25
Views: 2270

Re: Survey ate some of my property....

When I bought a timber parcel in Vermont, part of the contract was that the forester was going to flag the boundaries of the lot. I think he was shy by 18 acres or so. Obviously he wasn't a surveyor, but still, 18 acres out of 40 is quite significant. Whatever the case, all was fixed and everyone ag...
by alpenglow
Mon Jul 24, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Master bathroom remodel- what to spend?
Replies: 15
Views: 1693

Re: Master bathroom remodel- what to spend?

Have you considered a few items that might make your bathroom look dated that could be a quick update? For example 1. Pull the counter tops and put in granite 2. Change the fixtures if they are chrome to nickle finish (the faucet, the shower (if you can get it to fit), the towel racks, the lights (...
by alpenglow
Mon Jul 24, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Potential Move to the Upper Valley, NH
Replies: 24
Views: 1736

Re: Potential Move to the Upper Valley, NH

Norwich real estate looked pricey, and as a Boglehead it's hard for me to pay the state income tax. I know people say it ends up a wash, but the property taxes in Norwich versus NH looked pretty comparable. It's hard for me to see why it could make sense financially. I honestly haven't given VT muc...
by alpenglow
Tue Jul 18, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9543

Re: Vanguard 403b Changes

*3!4!/5! wrote: It appears that "sschullo" has expertise on 403bs, and wants to advocate for better retirement plans, and wishes to see the letter so as to gather pertinent information.
:oops:
by alpenglow
Tue Jul 18, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9543

Re: Vanguard 403b Changes

FiveK wrote: Also seems we agree on what one can and should do. :sharebeer
Glad to hear he's already done a rollover! :sharebeer
by alpenglow
Tue Jul 18, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9543

Re: Vanguard 403b Changes

FiveK wrote:
alpenglow wrote:Why not rollover to an IRA and avoid the fee?
That would be good, except most 403b plans don't allow it until one leaves employment with that employer.
He said he was retired.
by alpenglow
Tue Jul 18, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9543

Re: Vanguard 403b Changes

sschullo wrote:Can Vanguard's letter be posted here? Or who would I call to request a copy?
Since I am a retired teacher, I am no longer a district employee.
thanks,
Steve
Why not rollover to an IRA and avoid the fee?
by alpenglow
Sat Jul 15, 2017 6:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9543

Re: Vanguard 403b Changes

ResearchMed wrote:
Is this for ALL 403b plans, large and small?

We've heard nothing.

Thanks.

RM
I'm assuming this is for all 403b plans, though I don't know for certain. If I were at work I'd scan the letter and post it.
by alpenglow
Fri Jul 14, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9543

Re: Vanguard 403b Changes

Supposedly many people were calling and asking to pay higher fees. Sounds unlikely, but I consider it a complete breach of trust. I'm always looking to pay more fees. :shock: I completely agree that Vanguard failed their customers here. I guess there aren't too many Vanguard 403b customers on this ...
by alpenglow
Fri Jul 14, 2017 3:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9543

Re: Vanguard 403b Changes

I just remembered that when I started my job I was given the option of TIAA, Vanguard, or Fidelity, so I might check to see if I am allowed and if it's worth moving the whole thing to Fidelity if I'm still this annoyed next week. You are lucky to have those options. I used to have Fidelity and TIAA...
by alpenglow
Fri Jul 14, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9543

Re: Vanguard 403b Changes

I have Voyager status, so I'm paying nothing. Similarly to you feehater, I went from $0 in fees to about $1200 in fees until I can rollover at retirement. I will be reaching out to Vanguard with my displeasure. While I can't "vote with my feet" on this account, there is a good chance that I'll be mo...
by alpenglow
Fri Jul 14, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9543

Re: Vanguard 403b Changes

This came directly from Vanguard, not my employer nor their processor (OMNI Group).
by alpenglow
Fri Jul 14, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9543

Vanguard 403b Changes

I received a letter this morning from Vanguard describing the changes being made to their 403b plan. It seems they are adding a new layer of bureaucracy via the Newport Trust Company as record keeper. For this added service, there will be a $5 monthly fee. At this time, I'm paying nothing for my 403...
by alpenglow
Sat Jul 08, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 1914

Re: Buying a house in FEMA flood zone X

My house is in Flood Zone X unshaded. I can say that the nearby area of Flood Zone X (shaded) did flood while I have lived here with water in some houses. I can say that nearby areas in Flood Zone X unshaded had street flooding deep enough that one could not drive their cars through it. I can say t...
by alpenglow
Fri Jul 07, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Paid off the Mortgage!
Replies: 73
Views: 5475

Re: Paid off the Mortgage!

Nice job! I hope to be in your shoes by the end of the year.
by alpenglow
Thu Jun 22, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 5122

Re: What do you say when you cancel an account that you only opened for bonus?

The bank is offering the bonus because they want you to try their product because they think they can get your business by offering a better product. The incentive is their foot in the door. If it isn't a better product, or isn't worth the hassle of changing all of your billpay, direct deposit, etc...
by alpenglow
Tue Jun 13, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: BlackRock Japan Equity Tracker Fund D Acc
Replies: 4
Views: 341

Re: BlackRock Japan Equity Tracker Fund D Acc

Why would you want to boost your holdings in Japanese stocks in particular? Why not Belgian stocks or Canadian stocks? LifeStrategy, assuming it is a VG fund, would be market cap weighted. What makes you want to go outside of that?
by alpenglow
Fri Jun 02, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Fidelity 2000 'bonus points'
Replies: 32
Views: 2862

Re: Fidelity 2000 'bonus points'

Our offer has the bonus starting at $1200. We don't spend much money.
by alpenglow
Tue May 30, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Complexity In Funds Will Cost You
Replies: 11
Views: 1294

Re: Larry Swedroe: Complexity In Funds Will Cost You

matjen wrote:Except for AQR's QSPIX... :-) :beer


- :twisted: you beat me to it.
by alpenglow
Thu May 18, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3925

Re: Rice Cooker

We use our Zoji at least once a week. It does a nice job on wild rice and quinoa too. Great kitchen tool!
by alpenglow
Wed May 17, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Cheshire County New Hampshire: Which town for retirement?
Replies: 14
Views: 1719

Re: Cheshire County New Hampshire: Which town for retirement?

While there are some nice towns in Cheshire County and I enjoy going across the river to Brattleboro, VT, I like the Upper Valley area better. I feel like there is more going on, especially with Dartmouth College in Hanover - sports, arts, etc. Taxes and home prices vary considerably, but there are ...
by alpenglow
Thu May 04, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 29067

Re: Where to Live on $60K or Less a Year?

What about a more affordable suburb of some of those places on your list? Take Longmont, CO, for example (which I only know of thanks to Mr. Money Mustache... who claims to live off a lot less than $60K, incidentally). You get the same weather and nearby mountains as Boulder or Denver, plus a simil...
by alpenglow
Fri Apr 28, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Bronx Zoo Free Day
Replies: 4
Views: 457

Re: Bronx Zoo Free Day

A friend of mine just experienced this. Not only was it a Wednesday, it was also during school break. There was a literal traffic jam approaching the zoo. By the time they got there, they turned around and went home. I'd avoid the free day.
by alpenglow
Thu Apr 20, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 41134

Re: Larry Swedroe says "Goodby."

Honestly, I give Larry a lot of credit for staying around as long as he has. I wouldn't have been as patient!

Thank you Larry for all you've contributed. I've learned a lot from you!
by alpenglow
Fri Apr 07, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: Ben Carlson Managed futures & dealing with uncorrelated assets
Replies: 8
Views: 1063

Re: Ben Carlson Managed futures & dealing with uncorrelated assets

These funds are hard to benchmark. There are no real index funds to compare to in alternatives so it’s hard to make apples-to-apples comparisons on performance numbers. Investors have a hard time understanding if their funds are working or not. This is one of the biggest problems I have with these ...
by alpenglow
Wed Apr 05, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 3191

Re: Buying House with Odor (not cigarette)

My sister in-law bought a house that smelled. It's been about 8 years now and it still smells. Anything that comes from her house smells. The whole family needs to change clothes as soon as we get back from her place. It even gets into our hair. Terrible. Part of the smell is from an oil leak in the...
by alpenglow
Mon Mar 27, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: Why are international and US stocks down today?
Replies: 53
Views: 4078

Re: Why are international and US stocks down today?

in_reality wrote:I think it has to do the that escalator in Hong Kong that went the wrong way. Just like bird flu apparently it's contagious.


Huh. :confused I thought it was due to "Leggings-Gate".

https://www.nytimes.com/2017/03/26/us/u ... .html?_r=0
by alpenglow
Thu Mar 23, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: I open an out-of-state 529 plan. Was I stupid?
Replies: 12
Views: 940

Re: I open an out-of-state 529 plan. Was I stupid?

As others have posted, you are turning down a generous NY State tax deduction by going out of state. The fees on the NY plan are also quite competitive.
by alpenglow
Wed Mar 22, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 7114

Re: Vehicles as a percentage of net worth

For fun, I figured out that our 2 cars valued using KBB are about 2% of our net worth ($25k/$1200k). We're in our early 40's FWIW and barely make 6 figures.