Search found 2937 matches

by mhc
Tue Feb 09, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 34
Views: 1526

Re: Best Car for Family of 5?

We love our 2006 Odyssey. Plenty of room for everyday life and road trips. The auto-sliding side doors are great for little kids, especially when they are still in a carrier.

I haven't been in the newer models, but I've heard they are still nice.
by mhc
Tue Feb 09, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: How to respond to a siblings who gloats over a great stock pick?
Replies: 44
Views: 2056

Re: How to respond to a siblings who gloats over a great stock pick?

I would say, "Congrats! I'm glad you did well. What is your next great stock pick going to be?"
by mhc
Tue Feb 09, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment question
Replies: 6
Views: 355

Re: HSA investment question

I would not take the money out of the HSA. I would try to find some other place to take the money. Do you have a Roth or a taxable account? If not, I would build up an emergency fund in a taxable account.

Tax advantaged space is valuable, especially when you have good investment options.
by mhc
Tue Feb 09, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Nest Thermostat: Worth it
Replies: 17
Views: 1801

Re: Nest Thermostat: Worth it

We have a Lux, was rated #1 by consumer reports when we bought it 8 years ago. Works great, can set it to change the temp 4 times a day, all 7 days of a week can be different, has a nice hold button to keep it low when we're not home on a weekend or something. Turns it up for close to an hour in th...
by mhc
Tue Feb 09, 2016 9:51 am
Forum: Investing - Theory, News & General
Topic: What would you do differently, if you get twice the money in paycheck AND/OR twice in your portfolio ?
Replies: 13
Views: 702

Re: What would you do differently, if you get twice the money in paycheck AND/OR twice in your portfolio ?

Retire sooner would be the main thing. I am comfortable with my lifestyle.

Maybe take more expensive trips.
Give more to charity.
by mhc
Mon Feb 08, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: Denver Vacation (with 6 year old)
Replies: 31
Views: 1890

Re: Denver Vacation (with 6 year old)

You may want to stay in Manitou Springs instead of Colorado Springs. Still gives you access to everything in Colorado Springs but is closer to many other good things to do.
by mhc
Mon Feb 08, 2016 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5090

Re: No guts to buy today!

So, what kind of response were you looking for when you made your post? You know what people are going to say: 1. Stick to your IPS. 2. I'm buying today. 3. Don't be emotional. 4. You are okay. As you have said, you are retired and have won the game. So what if you don't buy today. Enjoy life and st...
by mhc
Mon Feb 08, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Need to change (age-10) to (age-20)
Replies: 3
Views: 447

Re: Need to change (age-10) to (age-20)

Why do you think you need to change? If you have been having anxiety with the recent downturn, then don't change. If you see the recent downturn as an opportunity to by more equities, then don't change. If you do not believe you are going to hit your financial goals, then consider changing. I don't ...
by mhc
Mon Feb 08, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Am I getting fleeced on my IRA? Opinions welcome.
Replies: 21
Views: 865

Re: Am I getting fleeced on my IRA? Opinions welcome.

You are getting fleeced.

Look up the 3-fund portfolio on the wiki. You can do it yourself with the information on this forum and with help from the members here. There is no need to support an adviser with your hard earned money.
by mhc
Mon Feb 08, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Adult Coloring Books
Replies: 16
Views: 1867

Re: Adult Coloring Books

Very interesting. This is the first time I ever heard of this. I use to hate coloring all the maps in school, but when I was a kid we would make our own coloring pages. I really liked coloring those.

Maybe I'll try it. Thanks.

BTW, I though adult coloring books was going to be like adult magazines.
by mhc
Mon Feb 08, 2016 10:12 am
Forum: Investing - Help with Personal Investments
Topic: are you buying or selling or staying the course
Replies: 22
Views: 1370

Re: are you buying or selling or staying the course

Buying according to my plan.

80% Equities
19% Bonds
1% Cash

1% Cash because all my money is considered part of my portfolio.
by mhc
Fri Feb 05, 2016 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to hire someone to do my taxes?
Replies: 6
Views: 554

Re: Do I need to hire someone to do my taxes?

turbo tax should handle it.
by mhc
Fri Feb 05, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Full 401k annual contribution from bonus this year?
Replies: 6
Views: 490

Re: Full 401k annual contribution from bonus this year?

I'm doing it this month. My company has a true up, so I will still get all the matching funds spread over the year. I think there is a minimal tax benefit to max out early.

I also contribute to a taxable account, so I still have money going into the market throughout the year.
by mhc
Fri Feb 05, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Charities for Bogleheads?
Replies: 25
Views: 1332

Re: Charities for Bogleheads?

When I use to volunteer at the local homeless shelter, I would go buy what they needed and drop it off. For example, one year I bought two new office chairs. Since they were new and I had the receipt, it was easy to write off on my taxes. I also knew they would be used. There was no middle man takin...
by mhc
Thu Feb 04, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 84
Views: 5296

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

My parents are 81/78. When they were in there late 60's, they traveled a lot, went out a lot, spent money. Now, they are content staying in town and eating at home. Most of their travel is for funerals. They are in the zone were SS/pension covers their needs. They just don't spend like they use to. ...
by mhc
Tue Feb 02, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Giving to vs. saving for charity
Replies: 39
Views: 1931

Re: Giving to vs. saving for charity

I still don't see the benefit of a donor advised fund. You can give appreciated stock directly to the charity. Does a DAF make it easier? I give to my organizations frequently via BillPay. Would sending it to a DAF first be any advantage to me or the charity? For me, yes. 1. Simplifies taxes. 2. Ea...
by mhc
Tue Feb 02, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2650

Re: Manual can opener recommendation

I have a P-38 that I have used for almost 30 years. It still works great. It can open any can. I suppose you are going to tell us that it works like lightning. :twisted: https://en.wikipedia.org/wiki/Lockheed_P-38_Lightning Not at all. It's very slow though one can get better at it with some experi...
by mhc
Mon Feb 01, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: TT prior year returns
Replies: 4
Views: 478

Re: TT prior year returns

I always save a PDF version of my return so that I can look at it whenever I want.
by mhc
Sat Jan 30, 2016 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Giving to vs. saving for charity
Replies: 39
Views: 1931

Re: Giving to vs. saving for charity

My plan is that 15% of my spend is to charities. I plan on doing this for the rest of my life.

I donate appreciated shares to my DAF to get the double tax benefit.
by mhc
Fri Jan 29, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Utah Spring Break Planning
Replies: 6
Views: 415

Re: Utah Spring Break Planning

I have always stayed in Moab. It is a good location. No need to move around.

Since you are coming in from the north, you may want to stop by Dinosaur National Monument just outside Vernal. The new Fieldhouse Museum in Vernal is really good.
by mhc
Fri Jan 29, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Utah Spring Break Planning
Replies: 6
Views: 415

Re: Utah Spring Break Planning

Which direction are you coming from?

Moab is a great place to stay. There is plenty around there to fill a week. I've done it a couple times with my family.

Arches NP
Canyonlands NP
Deadhorse SP
Colorado and Green rivers
by mhc
Fri Jan 29, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2650

Re: Manual can opener recommendation

I have a P-38 that I have used for almost 30 years. It still works great. It can open any can.
by mhc
Thu Jan 28, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting- Need Help
Replies: 12
Views: 513

Re: Tax Loss Harvesting- Need Help

I wouldn't worry about it because it is a different fund.
by mhc
Wed Jan 27, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Denver Vacation (with 6 year old)
Replies: 31
Views: 1890

Re: Denver Vacation (with 6 year old)

I live between Cheyenne and Denver. We just spent 3 nights in Denver over Christmas break. Denver is not the gem of Colorado. Cheyenne is not the gem of anything, but it is fine to visit if you like to see state capitols. I do. Denver Museum of Science and Nature (excellent fossil and gem displays) ...
by mhc
Wed Jan 27, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 123
Views: 6068

Re: perfectly happy with cable

I like my Comcast (cable, phone, internet). Sports (especially Redzone) Movies/Shows on demand DVR really fast internet (150 Mbps) download movies to my Kindle for flights watch a lot of content on mobile devices when away from home answer home phone from cell phone Comcast has added a lot of nice f...
by mhc
Tue Jan 26, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about moving to Fidelity or Vanguard
Replies: 10
Views: 621

Re: Thinking about moving to Fidelity or Vanguard

It is reasonable. I don't think you need separate mid/small funds. You could go 50% Total market instead. You have made good choices with the Spartan index funds. Vanguard has equal or better choices. Call Fidelity and Vanguard to see who offers the best support in moving. Go with the one who provid...
by mhc
Tue Jan 26, 2016 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Switch from 75/25 US/Int to 60/40 US/Int
Replies: 9
Views: 818

Re: Switch from 75/25 US/Int to 60/40 US/Int

Is this within a tax advantaged account? If in a taxable account, will there be tax consequences? There is value in staying the course. If you are sure this is the long term direction you want to go, then do it as soon as possible with the lowest cost. This may mean moving gradually as you add new m...
by mhc
Tue Jan 26, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Decreasing term life insurance linked to inflation?
Replies: 20
Views: 810

Re: Decreasing term life insurance linked to inflation?

Can you ladder the term life insurance to create the curve you desire?
by mhc
Tue Jan 26, 2016 9:33 am
Forum: Investing - Help with Personal Investments
Topic: New investor - questions about which strategy to follow
Replies: 6
Views: 430

Re: New investor - questions about which strategy to follow

1. I prefer the 3 fund portfolio. It is easy to understand and manage. 2. There are various rules of thumb for AA. Age in bonds. Age - 20 in bonds. Stay within the 75/25 and 25/75 range (never less than 25% bonds, and never more than 75% bonds). Remember these are just rules of thumb. You'll have to...
by mhc
Mon Jan 25, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: Dinner Ideas
Replies: 57
Views: 4649

Re: Dinner Ideas

Single pan dinner that is easy and fast to make.

Dice up onion, tomato, bell peppers, and chicken. Saute in skillet. Add a can of black beans and some frozen corn. Season with salt, pepper, cumin, and garlic. Complete meal in one pan that takes less than 15 minutes to make.
by mhc
Fri Jan 22, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use the service of a CPA or you do your tax yourself?
Replies: 82
Views: 4856

Re: Do you use the service of a CPA or you do your tax yourself?

I started using Turbo Tax when I started renting out a condo. Turbo Tax easily handles rentals, stock options, ESPP, W-2 income, investments, .... The CPA cost is minimal. You could try using TT and the CPA this year to see which one you prefer. I thought about doing that one year, but I decided tha...
by mhc
Fri Jan 22, 2016 9:13 am
Forum: Personal Consumer Issues
Topic: Questions about getting a dishwasher
Replies: 28
Views: 1351

Re: Questions about getting a dishwasher

Bosch
Ask the installer if they haul off the old one. They usually do.
by mhc
Thu Jan 21, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing a 2.75% Mortgage Rate?
Replies: 10
Views: 1700

Re: Refinancing a 2.75% Mortgage Rate?

If you went with a 15 year loan, could you pay off the loan before the kids get to college and then cash flow their college? That would be better than a 30 year mortgage and 529's.
by mhc
Thu Jan 21, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: TLH checklist
Replies: 7
Views: 555

Re: TLH checklist

You never have to wait when selling for a loss except for qualified dividend considerations.
by mhc
Thu Jan 21, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on investing on Thursday instead of Friday
Replies: 5
Views: 445

Re: Thoughts on investing on Thursday instead of Friday

Probably not.

If Thursday really had an advantage, people would exploit it until the advantage went away.

Have you looked at data or is this just a hunch?
by mhc
Thu Jan 21, 2016 3:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 141
Views: 18081

Re: Vanguard Partnering with Yodlee

The tool is categorizing some funds (wrapper funds) in our external account as "other". With cashedge, we were able to manually enter the underlying fund symbol so the tool can correctly categorize the funds. With yodlee, there is no such option. Anyone has the same issue and is there a s...
by mhc
Thu Jan 21, 2016 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax $0 Federal - $0 State - $0 for filing
Replies: 10
Views: 1711

Re: Turbo Tax $0 Federal - $0 State - $0 for filing

That's a great deal for you. I wish my taxes were that simple.
by mhc
Thu Jan 21, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax $0 Federal - $0 State - $0 for filing
Replies: 10
Views: 1711

Re: Turbo Tax $0 Federal - $0 State - $0 for filing

Do you only need to file the EZ or A version of the 1040?
by mhc
Wed Jan 20, 2016 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 6291

Re: I have no more money to invest

In general, you should always be in the position to have no more money to invest. Why would you sit on cash?
by mhc
Wed Jan 20, 2016 4:09 pm
Forum: Investing - Theory, News & General
Topic: Best [Fund] Comparison Chart Tool
Replies: 9
Views: 990

Re: Best Comparison Chart Tool

I use Morningstar growth charts.

Your Google link is not a growth chart.

A growth chart is more meaningful for mutual funds because it show you how much money you would have if you invested a certain amount of money (i.e., includes dividends, cap gains).
by mhc
Tue Jan 19, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Cold spots in certain rooms. Why? How to solve?
Replies: 28
Views: 1837

Re: Cold spots in certain rooms. Why? How to solve?

A home energy audit could reveal the issue and suggest the corrective actions. Some cities offer subsidized costs for the inspection and repairs. You may want to check your city's website.
by mhc
Tue Jan 19, 2016 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: My IPS - Welcoming Feedback
Replies: 15
Views: 914

Re: My IPS - Welcoming Feedback

The only part I didn't like was staying in cash after the 12/1 TLH. There are too many good funds out there for me to stay in cash due to TLH. Otherwise, quite reasonable. Once you have lots of TLH splits in your account, do you actively look for opportunities to merge back into the original fund? ...
by mhc
Tue Jan 19, 2016 3:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Overwhelmed!
Replies: 24
Views: 5517

Re: Vanguard Overwhelmed!

ww340 wrote:Yes, I think it is the 1009's. I know mine is wrong, so I am guessing other's are too.


I don't even look at 1099's until February or March knowing that there is a reasonable chance I will receive at least 1 corrected 1099.
by mhc
Tue Jan 19, 2016 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: My IPS - Welcoming Feedback
Replies: 15
Views: 914

Re: My IPS - Welcoming Feedback

The only part I didn't like was staying in cash after the 12/1 TLH. There are too many good funds out there for me to stay in cash due to TLH. Otherwise, quite reasonable.
by mhc
Mon Jan 18, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 92
Views: 7885

Re: Amazon Prime: doing the math...is it worth it?

Free Kindle books Free streaming movies, cable, and TV shows Free streaming music Free expedited shipping Free cloud storage for pictures No sales tax I can't afford not to use Amazon Prime :oops: Plus I can download movies to my Kindle. This is great for plane trips. I use to just talk to the pers...
by mhc
Fri Jan 15, 2016 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help getting out of a fund in taxable
Replies: 18
Views: 774

Re: Help getting out of a fund in taxable

You can also whittle away the undesired shares by donating them to charity instead of donating cash.
by mhc
Fri Jan 15, 2016 1:47 pm
Forum: Investing - Theory, News & General
Topic: Anyone shifting their AA?
Replies: 91
Views: 6502

Re: Anyone shifting their AA?

I am comfortable with my AA, so I will stick with it. It is quite possible that bonds will outperform stocks this year. I don't know. That is why I chose an AA and will stick to it.

I guess I'll look this weekend to see if I need to rebalance and/or TLH.
by mhc
Thu Jan 14, 2016 3:27 pm
Forum: Investing - Theory, News & General
Topic: Maxing HSA Early
Replies: 5
Views: 420

Re: Maxing HSA Early

I use payroll deduction through a cafeteria plan to maximize tax savings. My employer also provides an excellent HSA administrator.
by mhc
Thu Jan 14, 2016 1:31 pm
Forum: Investing - Theory, News & General
Topic: Cash Buffer Instead of "Emergency Fund"
Replies: 52
Views: 4380

Re: Cash Buffer Instead of "Emergency Fund"

I do something very similar, although I never deplete the account. If I know I have major expenses coming, I let the buffer go higher. For example, I knew I was going to invest $11k in January for two backdoor Roths. I let my buffer climb high enough to account for this.

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