Search found 14 matches

by herennow
Thu Jul 06, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 5316

Re: What are your health insurance stats?

On ACA, monthly premium is $600. HMO with $3k individual/9k family deductible. There is also co-insurance after the deductible is met. About 350 APL. Network is limited. To summarize, unhappy is an understatement. :annoyed
by herennow
Sat May 13, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: What home improvements are worth it
Replies: 37
Views: 5848

Re: What home improvements are worth it

I agree that good presentation sells the house quicker. But with a small house like ours, the concern is if we are overdoing. The yard work is near complete, and the front certainly ticks a couple notches above all the houses around us. Then we add in all other improvements, but no real square foota...
by herennow
Wed May 10, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: What home improvements are worth it
Replies: 37
Views: 5848

Re: What home improvements are worth it

We started the yard work, and turns out the initial estimate is off by 50%, at the least :oops:
by herennow
Tue May 09, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: What home improvements are worth it
Replies: 37
Views: 5848

Re: What home improvements are worth it

Thank you for the suggestions. We are also inclined to get the yard work done first. Fence stain will be next. Kitchen should follow, but unable to bring ourselves to spend $3000, or more for the upgrades.

We do have bed frames, box springs and mattresses. Was talking about getting new bedroom sets.
by herennow
Tue May 09, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: What home improvements are worth it
Replies: 37
Views: 5848

Re: What home improvements are worth it

For #3, do you live in a neighborhood where Corian/granite counters are the norm? You never want to be the most expensively outfitted house in a neighbborhood. Ours is one of the new'er' houses in the neighborhood (late 90s), and also the smallest floor plan. Bigger houses in the neighborhood sell ...
by herennow
Tue May 09, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: What home improvements are worth it
Replies: 37
Views: 5848

What home improvements are worth it

We bought a decent house that needs some TLC. Would the experienced bogleheads kindly suggest the improvements that might be most worth the time and effort and economics. We may live here for the medium term, between 3 and 7 years. Original cost of house 240k. We are only looking for simple to moder...
by herennow
Sun Apr 30, 2017 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35956

Re: Time to reach 1M and 2M milestones

Great thread! I notice a lot of folks going from 1m to 2m in abt 3-4 years. in the last four yrs, my portfolio has grown abt 30%. The mix is 75% US equities, 10% international, 10% bonds and 5% alternatives. I am curious what kind of portfolios got ppl from 1m to 2m in 3-4 years. Someone also posted...
by herennow
Wed Apr 19, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Mobileye (MBLY) shares
Replies: 3
Views: 607

Re: Mobileye (MBLY) shares

Thanks. Do you know how you would 'turn in' the shares?
by herennow
Tue Apr 18, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Mobileye (MBLY) shares
Replies: 3
Views: 607

Mobileye (MBLY) shares

Mobileye got bought by Intel recently for about $63. It was trading around $45 when the bid came in. Right now the stock trades at $61.8. Today I received 'soliciation/recommendation' material on those shares from Mobileye, and have no idea how to get to the point of the material without parsing the...
by herennow
Mon Mar 20, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Partial mortgage payoff, consolidation
Replies: 8
Views: 777

Re: Partial mortgage payoff, consolidation

Thank you for your replies. Have a 30% equity in the house. House will sell for buying price + some, it is a pretty hot market now, but I am aware things could change in the next year. But don't anticipate paying more than what is owed. We may split the cash reserve to partially payoff the mortgage,...
by herennow
Mon Mar 20, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Partial mortgage payoff, consolidation
Replies: 8
Views: 777

Partial mortgage payoff, consolidation

Looking for some help. We have the resources to pay off a 170k, 28 yr@ 4.13%. Current house seems small and we want to buy a slightly bigger house for our needs in the future, within the next year or two. We will be selling the current house if we find the bigger house. We are in the 15% income tax ...
by herennow
Mon Mar 06, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Sell investments for TLH? [Tax Loss Harvesting]
Replies: 3
Views: 540

Re: Sell investments for TLH? [Tax Loss Harvesting]

Thanks livesoft! i might sell them off, if not this year, the losses will be useful some year.

As a side note, Why would you not own g&s mining stocks? I had them because they had (international) companies not in the TSM and have dividends unlike gold buillion.
by herennow
Mon Mar 06, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Sell investments for TLH? [Tax Loss Harvesting]
Replies: 3
Views: 540

Sell investments for TLH? [Tax Loss Harvesting]

Made 4% investment of portfolio in gold and silver mining stocks last year, at near peak prices. Now I am staring of unrealized losses that I am wondering if I should harvest. In the 15% tax bracket with likelihood of entering 25% next year. Also invested in TSM index funds with a lot of unrealized ...