Search found 1504 matches

by bloom2708
Sat Mar 25, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Free/Cheap Sports Channels
Replies: 16
Views: 1110

Re: Free/Cheap Sports Channels

PlayStation Vue likely has the most sports for the monthly fee.

No contract. Cancel when you don't need it.

Vue is great on Amazon Fire TV.
by bloom2708
Sat Mar 25, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Is there any downside to Home Equity line of credit even if we won't use it immediately?
Replies: 23
Views: 2151

Re: Is there any downside to Home Equity line of credit even if we won't use it immediately?

One downside I can see is if you have it, you just might decide to use it.

Have a hard week at work and just "want to go spend some money...". Look we have that HELOC. $50k. Let's buy something.

Oh wait, that is the American way.

:annoyed
by bloom2708
Sat Mar 25, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Too much Large Cap?
Replies: 15
Views: 905

Re: Too much Large Cap?

I see many posts where people have both S&P 500 and Total Stock Market. 100% duplication. Can I ask why you chose both originally? I sense the feeling is that having two is more diversified than one. One isn't enough. One post the person had S&P 500, Total US stock, High Dividend Yield and a...
by bloom2708
Sat Mar 25, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 17
Views: 1151

Re: Anyone use Verizon wireless prepaid for cell phones???

Recommending a cellphone provider without knowing what's available in that area doesn't make sense. Where I live I wouldn't use Sprint if they paid *me* $200 a month because they're no service outside the interstate corridor. AT&T is marginally better but still fairly unworkable throughout the ...
by bloom2708
Fri Mar 24, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 17
Views: 1151

Re: Anyone use Verizon wireless prepaid for cell phones???

What did you need customer service for and what was so horrible about it? With any customer service, you may get a seasoned person or a new trainee. It happens. Consider TotalWireless.com. $33/month with 5GB data. Verizon towers. Probably their customer service has seasoned people and new trainees t...
by bloom2708
Fri Mar 24, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 3466

Re: How did you do your income taxes?

Tax Act. Fed + State came to $26.95. I know there a lot of variance in amounts paid. That seems "reasonable" to me. Having my previous year information default in saves me a bunch of time.
by bloom2708
Fri Mar 24, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Are Bogleheads in the minority on the use of investment advisors?
Replies: 86
Views: 4897

Re: Are Bogleheads in the minority on the use of investment advisors?

I find people think it is "cool" to throw out "my advisor has me in this or that". It is a status symbol. People will spend 40 hours planning their vacation. They won't spend 1 hour learning about investing. People will spend 100 hours finding the perfect home. They won't spend 1...
by bloom2708
Fri Mar 24, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Primary residence mortgage over the 1.1M mortgage interest deduction cap ... what to do?
Replies: 13
Views: 1010

Re: Primary residence mortgage over the 1.1M mortgage interest deduction cap ... what to do?

I think the goal should be to figure out how to pay less interest. The cart (interest deduction) is leading the horse (interest paid). Paying $1 in interest to save 33 cents through an itemized deduction (only over and above the standard deduction) isn't a great way to "save" money. It see...
by bloom2708
Fri Mar 24, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: How to make my old MacBook to work?
Replies: 17
Views: 857

Re: How to make my old MacBook to work?

Can you copy off any personal documents/photos and do a factory reset? (Format and reinstall. Do you have the OS DVD?) I'm not super up on MacBook functionality. We have iPhones and a couple iPads. If resetting isn't an option, make sure all OS updates are installed. Look for programs to uninstall t...
by bloom2708
Fri Mar 24, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 41
Views: 1952

Re: What online bank do you use?

I have a Capitol One 360 checking account and a savings account. I was ported over from ING Direct when Capital One purchased them. I don't use it as our primary bank, but I think you could. You can use the phone app (iPhone/Android) to deposit checks. Getting cash from an ATM might cost you the fee...
by bloom2708
Thu Mar 23, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: AA and Vanguard Transfer Advice
Replies: 1
Views: 196

Re: AA and Vanguard Transfer Advice

Emergency funds: 6 mo 1. Does AA seem reasonable? Should REIT be considered within equities? 2. Planning to achieve bond allocation by transferring money to G fund in TSP. 3. Money will be available in Vanguard accounts in a week, should we wait for dip in market to reinvest in equity funds? 4. Any...
by bloom2708
Thu Mar 23, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie requesting investment advice
Replies: 3
Views: 317

Re: Newbie requesting investment advice

Thank you for reading. Really appreciate any advice or tips you can offer. Welcome. I'll give you my thoughts. Questions: 1) Are we currently invested in the most advantageous 401k funds available to us through Voya and Fidelity? Look for unnecessary duplication in all your accounts. Buying more of...
by bloom2708
Thu Mar 23, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio beginner
Replies: 1
Views: 341

Re: Portfolio beginner

Are you using the HSA funds to pay for your current healthcare costs? Or are you paying post-tax and just letting the HSA grow? If you are using and replenishing, then I would be conservative. If you are doing a buy and hold, then put it right in with your entire portfolio asset allocation. I don't ...
by bloom2708
Thu Mar 23, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Firefighter looking for retirement investing help
Replies: 3
Views: 402

Re: Firefighter looking for retirement investing help

If you have $5,500 earmarked to invest, fund your 2016 Roth IRA. You can also start funding your 2017 Roth IRA. I would make sure you are maxing Roth because of your higher expense ratios in the 457. Your 457 funds have quite high expense ratios. List the other options with their expense ratios. I f...
by bloom2708
Thu Mar 23, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Gift college money 17 yr old
Replies: 3
Views: 350

Re: Gift college money 17 yr old

The only way it would be worth putting in your state 529 at this point would be to get a tax benefit for the contribution. Check with your state 529 plan to see if your income level qualifies for tax breaks on 529 contributions. With 1 or less years to go, you want the funds very conservative, money...
by bloom2708
Thu Mar 23, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Follow Up
Replies: 2
Views: 234

Re: Portfolio Review Follow Up

Your plan looks great.

Stick to it, rebalance one time per year. Continue to save at a high rate.

Your future self thanks you.
by bloom2708
Thu Mar 23, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: 6 years from retirement - need investment & allocation recommendations
Replies: 7
Views: 706

Re: 6 years from retirement - need investment & allocation recommendations

With 5-6 years to retirement I would say you are too aggressive. 60/40 would be my target. 50/50 might be safer. I intend to be 50/50 once I hit low 50s. The next bear market could take you right to retirement. I also don't think you can necessarily guarantee employment to 66. I would move/consolida...
by bloom2708
Thu Mar 23, 2017 2:53 pm
Forum: Investing - Theory, News & General
Topic: 401k access at 55 vs 59.5
Replies: 12
Views: 1279

Re: 401k access at 55 vs 59.5

I just read something recently on "substantially equivalent periodic withdrawals" or something similar to that name. My understanding is you can use this irs method for distributions to avoid early withdrawal penalties, so may be something to look into. I am by no means an expert. Yes. Se...
by bloom2708
Thu Mar 23, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 58
Views: 2937

Re: Mortgage APR 4.96% - too high?

bloom2708, we thought about this option too. However in this area pre-owned houses cost about the same as new builds! We were only looking at pre-owned houses at the beginning until we realized we could get the same house but new for about the same price. I wonder how many new homes built come in u...
by bloom2708
Wed Mar 22, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 58
Views: 2937

Re: Mortgage APR 4.96% - too high?

Reconsider new construction. Cost overruns and paying a premium for a new build should wait. You should have many good options in your price range. Save the 20%. Your future selves will thank you. Just my 2 cents.
by bloom2708
Wed Mar 22, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Another student loans question
Replies: 13
Views: 877

Re: Another student loans question

We don't have enough information to help that much. What are your incomes? Do you have other cash? I would step back and ask if you should be buying a home with $245k of high interest student loans. A $350k home is not a small commitment when you factor in property taxes, insurance, repairs/maintena...
by bloom2708
Tue Mar 21, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: How do you allocate your contributions?
Replies: 6
Views: 398

Re: How do you allocate your contributions?

When your account balances are relatively low, a new purchase might be able to "right" your asset allocation differences. As your portfolio grows a new purchase (in taxable) will move toward your desired asset allocation, but likely won't fix it. So my philosophy is to buy toward. If you a...
by bloom2708
Tue Mar 21, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 25
Views: 1020

Re: Do I need new tires?

3-4/32 is where tires should be replaced (if they wear evenly). 2/32 is the legal limit but pushing it. I think it is time. You are almost running on slicks (hydroplaning in rain). You should be able to shop around and do better than $550. Do you have a Discount Tire? Also shop online. (Tire Rack, e...
by bloom2708
Tue Mar 21, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k or Traditional 401k?
Replies: 9
Views: 569

Re: Roth 401k or Traditional 401k?

With the information, pre-tax is the way to go for the 401k. Pay the tax "later" unless you know you will be in some high tax bracket later (inheritance?). 1. Pre-tax up to the match 2. Roth IRA for both 3. Additional pre-tax up to the $18k limit 4. HSA (if available) 5. Taxable post-tax S...
by bloom2708
Tue Mar 21, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans Payment Strategy
Replies: 6
Views: 575

Re: Student Loans Payment Strategy

Do your parents help with the mortgage and related insurance/utilities? What is the house worth compared to the mortgage balance? That is quite the burden with renting and your student loan balance. Have you checked on refinance options (SoFi, etc) to get the rate down from 6.5%? You will be hard pr...
by bloom2708
Tue Mar 21, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Guidance
Replies: 7
Views: 662

Re: HSA Investment Guidance

Remember your asset allocation can be spread across all your accounts. Use the TD brokerage to buy one ETF that's part of your allocation, and then just buy correspondingly less of that asset in your other accounts. Just keep in mind that if you pick a 100% stock fund and stocks drop 40%, that your...
by bloom2708
Tue Mar 21, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Guidance
Replies: 7
Views: 662

Re: HSA Investment Guidance

Our HSA stays around $10k. I looked into "investing" the funds into the brokerage option. There was a $24/month fee associated and like you, $1,000($500 for you) has to be kept in the non-brokerage area. The amount isn't statistically significant enough to warrant investing. I had doubts t...
by bloom2708
Tue Mar 21, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Momentum on day of planned purchase
Replies: 12
Views: 730

Re: Momentum on day of planned purchase

Is this one area where the Mutual Fund version (compared to the ETF) might have an advantage (or disadvantage on "up" days)? If I put in a buy for VTSAX (mutual fund) at 9:30 am, it doesn't execute until the trading day closes and then some time in the middle of the night. I should know, b...
by bloom2708
Tue Mar 21, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7219

Re: Tell me about Smart TVs and cutting cable

Air TV looks interesting. I am curious if the experience is comparable to Roku or Fire TV. Made by Dish Network specifically to use with Sling it appears. It really isn't much of a hassle to switch the input from HDMI 1 to TV to get to our local broadcast stations. The 9 year old has been doing it f...
by bloom2708
Tue Mar 21, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Best set it and forget to hold until retirement?
Replies: 24
Views: 2485

Re: Best set it and forget to hold until retirement?

Is the $3k going to be used in a taxable account? I agree with paying off the $2k student loan. Get that out of the picture. Why not contribute the $1k balance to your 2017 Roth IRA. Are you going to keep the 2020 Target Date fund in Roth or changing that is what you are referring to? Hard to follow...
by bloom2708
Tue Mar 21, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Inlaw Suddenly Wants Financial Security in 60's..
Replies: 27
Views: 4048

Re: Inlaw Suddenly Wants Financial Security in 60's..

Maybe tell her about a simple 2 fund portfolio using Vanguard funds. Use 50-50 as the riskiest allocation she should probably consider. Buy all the US stocks (Total US stock index) and a large number of US bonds (Total US Bond index). Give her numbers that won't confuse. But explain that all the egg...
by bloom2708
Tue Mar 21, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation and asset placement question?
Replies: 4
Views: 399

Re: Asset allocation and asset placement question?

If you only have two accounts (taxable and 401k/IRA), then your options for 50/50 are limited by the ratio of taxable to tax-sheltered. Option 1 (using the funds from a 3 fund portfolio.) Taxable: Total US stock index Total International stock index Int-Term Tax-Exempt bond index 401k/IRA: 100% Tota...
by bloom2708
Tue Mar 21, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement vs Down Payment
Replies: 32
Views: 2407

Re: Retirement vs Down Payment

Do not stay in a job/career because the perceived benefits are so wonderful that you cannot leave. Now, you might not leave the job if the benefits are not as good at the next job. I'll give you that. A bigger salary would make up for benefit differences. There is a big world out there. My employer ...
by bloom2708
Tue Mar 21, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a second home in Florida- mortgage or purchase
Replies: 15
Views: 1205

Re: Buying a second home in Florida- mortgage or purchase

bloom2708 wrote:Pay cash.

Enjoy your retirement without the hassle of a mortgage payment.

Congrats on retiring!


P.S. I tend to agree that your 80/20 stock to bond allocation should be considered a much higher priority than paying cash for a second home.
by bloom2708
Tue Mar 21, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7219

Re: Tell me about Smart TVs and cutting cable

Hi again all, OP here. Would 10 mbps internet be adequate? Our house is just my wife and me, with a baby on the way, so at any one time the most devices we'd have streaming is two. 10 should be just fine for 1-2 streams. There can certainly be some varying speed within that 10 mbps connection. Cabl...
by bloom2708
Tue Mar 21, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Buying a second home in Florida- mortgage or purchase
Replies: 15
Views: 1205

Re: Buying a second home in Florida- mortgage or purchase

Pay cash.

Enjoy your retirement without the hassle of a mortgage payment.

Congrats on retiring!
by bloom2708
Tue Mar 21, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: AA - Whatcha think - and how do I get there from here?
Replies: 8
Views: 352

Re: AA - Whatcha think - and how do I get there from here?

Your portfolio feels gimmickee to me. How about this. Start with (3 fund) Total US Stocks, Total International Stocks and Total US Bond. Now (other than a book that is written to sell as many copies as possible), write down statements/reasons to deviate from this plan. Examples: Why pick S&P 500...
by bloom2708
Tue Mar 21, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3159

Re: What is your preferred Weather App?

Accuweather is the most accu-rate.
by bloom2708
Mon Mar 20, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Partial mortgage payoff, consolidation
Replies: 8
Views: 557

Re: Partial mortgage payoff, consolidation

What is your current home worth compared to what you owe? After paying for the fees of selling, that will leave you with $X. Does $X + cash you have equal enough to put 20% down on your next house? If you are one year away, I would just pile up cash. If you owe $170k and the home is worth $175k, the...
by bloom2708
Mon Mar 20, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4459

Re: Moving from Vanguard to Fidelity (probably)

It seems like a bunch of work for very small gains. The .5% on the rewards card will make some difference. The problem is you have to spend and spend to reap the rewards. How about just spend 5% less and you will gain more than the extra .5%. These moves violate my "don't just do something, sta...
by bloom2708
Mon Mar 20, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 79
Views: 3215

Re: Best way to expand my vocabulary?

One of my favorites:

Turbo Encabultor

https://biggeekdad.com/2010/11/turbo-encabulator/
by bloom2708
Sun Mar 19, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 20
Views: 1743

Re: Quietest tire for 2017 Honda CRV?

Cooper
by bloom2708
Sat Mar 18, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisory Service
Replies: 6
Views: 666

Re: Vanguard Advisory Service

Take the value of your portfolio and multiply by .3% to find out the cost. Is that number worth it? $300, $3,000? I think you can do it yourself. Each decision you have to make has answers that you will both like and not like. Do you sell and pay capital gains tax in taxable? Vanguard will have no a...
by bloom2708
Fri Mar 17, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Norman Rockwell Plates.....who to go to
Replies: 33
Views: 2429

Re: Norman Rockwell Plates.....who to go to

Take pictures of them for sentimental reasons.

Most work: Sell them individually on eBay, try to maximize amount received.

Some work: Offer them up as a single auction on eBay. See what they will fetch. Calculate heavy shipping and wrapping/protection.

Less work: Donate them
by bloom2708
Fri Mar 17, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Paralysis by Analysis
Replies: 12
Views: 934

Re: Paralysis by Analysis

You will likely get various responses. The key is to make a plan, do it and then stick to it. If you pay off this debt, will you borrow again in the near future? I like the Dave Ramsey "Total Money Makeover" plan. Keep your Emergency fund at $1,000. Pay off the 401k loan. Put the other $10...
by bloom2708
Fri Mar 17, 2017 8:03 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9277

Re: Anyone else taking less risk

I've been at 60/40 the last few years, but want to slowly drift closer to 50/50 over the next decade. Very recently I decided to direct all new money to bonds. At 46 we are essentially at "age in bonds" 55/45. 50/50 is where we will stay. Depending on what the market does, we may go there...
by bloom2708
Thu Mar 16, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: won a car - want to sell
Replies: 13
Views: 2852

Re: won a car - want to sell

Congrats. List the type of car. Bogleheads needs a classified section. If it is a Subaru you will be golden.
by bloom2708
Thu Mar 16, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: How should I divide my finances and any suggestions?
Replies: 31
Views: 2019

Re: How should I divide my finances and any suggestions?

Much number crunching to do. Think of the property taxes and insurance on that house and those cars. $75k income will not go far. Skip the restaurant idea. You need more certain income. The restaurant may lose money or barely break even if lucky. With 75k in income, both your cars should total less ...
by bloom2708
Thu Mar 16, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 1396

Re: Quiet Bedroom overhead fan

I am not a scientist, but I do not think a fan can move air without making noise. Even the bladeless Dyson fans/air movers make noise.

Perhaps if it is nearly silent, it isn't moving much air. Checking the balance is a good start but it will only do so much.
by bloom2708
Thu Mar 16, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Cord cutting: Masters Golf
Replies: 15
Views: 1406

Re: Cord cutting: Masters Golf

CBS All access is very good. Do the free trial or just pay for 1 month and cancel.

Assuming you have a Roku or Fire TV or similar device.

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