Search found 228 matches

by moneywise3
Tue Jan 24, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to leave a job and find a new one
Replies: 22
Views: 1467

Re: Best way to leave a job and find a new one

How did you end up in this 2-hr commute situation, other than it being your choice? No employer will ever compensate for commute time, unless they decide where you should live.
by moneywise3
Tue Jan 24, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 50
Views: 3111

Re: Best Places to Live in US?

Asheville, NC
Austin, TX
Allentown, PA

AAA rated :)
by moneywise3
Mon Jan 23, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software for 2016?
Replies: 17
Views: 2233

Re: Tax Software for 2016?

Kicking off this discussion again... I have used TaxACT for 10+ years and never had any issues. It shows many "what if" scenarios. Used to be free, but since last year is about $15. They offer import from last year as well. Am wary of Credit Karma, since they will use your info to market t...
by moneywise3
Mon Jan 16, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Auto insurance suggestions for FL
Replies: 4
Views: 387

Auto insurance suggestions for FL

I have had GEICO for 15+ years over 3 different states. Never any claims. They keep raising the premiums 5% every 6 months. Now they are getting on my nerves. About a year ago I called them and raised hell - they lowered my premium citing "new contract". It reeked of sneaky business practi...
by moneywise3
Mon Jan 09, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 3363

Re: Teeth whitening

White is not the natural color of the teeth. The dental science does not know enough yet.
by moneywise3
Thu Jan 05, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Kansas City trip advice
Replies: 23
Views: 1406

Re: Kansas City trip advice

City Market
by moneywise3
Thu Jan 05, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Where to in March?
Replies: 21
Views: 1840

Re: Where to in March?

Asheville, NC
by moneywise3
Sun Dec 18, 2016 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Financial help for a new doc
Replies: 31
Views: 2254

Re: Financial help for a new doc

Sounds a very complicated portfolio with ten times the number of funds you need
by moneywise3
Sun Dec 18, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: Recommendations for learning yoga, meditation
Replies: 7
Views: 783

Re: Recommendations for learning yoga, meditation

Listen to Teal Swan or Louise Hay
by moneywise3
Mon Dec 12, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Difficult choices among ability, willingness, and need to take risk
Replies: 28
Views: 2534

Re: Difficult choices among ability, willingness, and need to take risk

If you don't need to take risk, then don't take risk.
Your main goal should be to beat inflation.
by moneywise3
Thu Nov 03, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 22867

Re: How to retire early (in your 30s or 40s)?

In reality, it is very very difficult to retire in 30s. By "retire" I mean have no new income coming in. The reason is, you can't assess your healthcare expenses, and you have no idea about inflation. I my thirties I was supporting a family of 3 for $1500 a month, not counting the healthca...
by moneywise3
Sat Oct 08, 2016 6:34 am
Forum: Personal Consumer Issues
Topic: Three Full Days in Asheville, NC - Help for First Timers
Replies: 30
Views: 2471

Re: Three Full Days in Asheville, NC - Help for First Timers

Glad you enjoyed. Its also on my list of retirement destinations.
by moneywise3
Fri Oct 07, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Laptop ideas
Replies: 41
Views: 2449

Re: Laptop ideas

Thank you all
by moneywise3
Fri Oct 07, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Laptop ideas
Replies: 41
Views: 2449

Laptop ideas

In market for a Windows laptop for home use. Typically we keep them for 4 years. Play videos, download pictures, read news, print some documents, HDMI out to TV, Skype are some of the usage for it. Want to have a traditional keyboard type device at home, so don't want to buy a big tablet in its plac...
by moneywise3
Fri Oct 07, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: Hurricane Matthew: Evacuation advice
Replies: 40
Views: 4322

Re: Hurricane Matthew: Evacuation advice

Update on the beautiful Friday morning: the top wind speeds are just in 40s, total rain should be single digit inches, power will stay solid I am sure. Now looking forward to tomorrow morning's flight.
by moneywise3
Fri Oct 07, 2016 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Side hustle
Replies: 57
Views: 8718

Re: Side hustle

mchriton wrote:My salary grew from 90k in 2006, to 600k this year and 700k+ projected next year. I would NEVER have been able to do this without personal projects to accelerate me past others who relied entirely on school and similar assigned projects at work.

What particular IT skill gets you 700k?
by moneywise3
Thu Oct 06, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Hurricane Matthew: Evacuation advice
Replies: 40
Views: 4322

Re: Hurricane Matthew: Evacuation advise

Thank you all. Appreciate the links and suggestions. I am staying put - have enough supplies, discussed with neighbors that have generators to stay with them if needed. If the flights resume on Sat morning, then I leave. Else will try getting a change for Sunday. Hope everyone stays safe and comfy.
by moneywise3
Thu Oct 06, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Hurricane Matthew: Evacuation advice
Replies: 40
Views: 4322

Hurricane Matthew: Evacuation advice

I am stuck about half hour north east of Orlando. It's a little late to be asking, but does anyone have suggestions on where to go for a day? I need to be back here to catch a Sat 7 am flight. The worst rains/wind should be over by Fri 6 pm. If it doesn't cause too much damage, then hopefully things...
by moneywise3
Sun Sep 25, 2016 10:00 pm
Forum: Personal Consumer Issues
Topic: Three Full Days in Asheville, NC - Help for First Timers
Replies: 30
Views: 2471

Re: Three Full Days in Asheville, NC - Help for First Timers

My favs are Dobra Tea, Triple Falls, Mount Mitchell, Cherkee water tubing, Marble slab creamery, Chapala mexican food, berry picking while in season, bellagio greek food
by moneywise3
Sun Sep 25, 2016 9:53 pm
Forum: Personal Consumer Issues
Topic: Three Full Days in Asheville, NC - Help for First Timers
Replies: 30
Views: 2471

Re: Three Full Days in Asheville, NC - Help for First Timers

Hiking the trails off of the parkway
Tons of waterfalls
Trip to Cherokee
Apple festival in Hendersonville
Arboretum
Downtown restaurants owned by locals
Micro breweries
by moneywise3
Sun Sep 25, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Protein Powders
Replies: 45
Views: 3553

Re: Protein Powders

Garden of LIfe or Sunwarrior. Stay away from Orgain - I returned it after using 3 other brands for about 3 years.
by moneywise3
Thu Sep 01, 2016 5:03 am
Forum: Personal Consumer Issues
Topic: WSJ $99 for 6 months -- worth it?
Replies: 62
Views: 4744

Re: WSJ $99 for 6 months -- worth it?

Only if you want something to kill time. Won't help your investments.
by moneywise3
Tue Aug 30, 2016 1:21 am
Forum: Personal Consumer Issues
Topic: How Does Your money Make Money?
Replies: 43
Views: 5396

Re: How Does Your money Make Money?

Do you have a special skill or knowledge in any area? You get the idea.
by moneywise3
Mon Aug 29, 2016 7:01 pm
Forum: Investing - Theory, News & General
Topic: In what order should I read these books?
Replies: 34
Views: 2824

Re: In what order should I read these books?

I haven't read any of these books fully, just partly. But I read this forum, and never felt the need to read anything else.
by moneywise3
Sun Aug 28, 2016 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Help, please.
Replies: 6
Views: 853

Re: Retirement Portfolio Help, please.

What's your profession? Is 2 months of emergency living expenses enough?
by moneywise3
Sun Aug 28, 2016 9:07 pm
Forum: Investing - Theory, News & General
Topic: Do passive investors need active investors to survive?
Replies: 20
Views: 2948

Re: Do passive investors need active investors to survive?

Put another way, if more and more people see the advantages to passive investing will the advantages start to diminish? That will never happen. Those flashy MBAs need something to do. I am not even worried that the whole world will become a passive investor. It's like saying there will be world pea...
by moneywise3
Sun Aug 28, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investment for Minor
Replies: 9
Views: 692

Re: Investment for Minor

There are 3 things to consider here: account type (Roth, taxable etc), investment type (balanced fund, TR fund, cash....) and custodian. Also consider what are the future plans - adding every year etc.
by moneywise3
Sun Aug 28, 2016 8:58 pm
Forum: Investing - Theory, News & General
Topic: Outlook on oil
Replies: 54
Views: 3814

Re: Outlook on oil

You already own the right proportion of these stocks, assuming you are a boglehead. Then the price of oil doesn't matter. Go back to loving your family.
by moneywise3
Sun Aug 28, 2016 8:54 pm
Forum: Investing - Theory, News & General
Topic: Rich Dad/Poor Dad Assets
Replies: 57
Views: 6663

Re: Rich Dad/Poor Dad Assets

He is sort of in the show business, not investment advisor. He sells doesn't mean his advise is good. Anytime I see such people, it feels like a dating proposal to a happily married man. I haven't found a reason to budge from Bogleheads philosophy.
by moneywise3
Sun Aug 21, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 10721

Re: Favorite Restaurant Stop on Road Trips

I never risk local restaurants when out of town. Eat light and predictable like Subway. Chinese tend to be very consistent too.
by moneywise3
Sun Aug 21, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 146
Views: 14846

Re: Best Crossover SUV to purchase

My personal choice is Acura Mdx or Rdx.
by moneywise3
Sun Aug 21, 2016 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Are these fees / returns reasonable
Replies: 38
Views: 3009

Re: Are these fees / returns reasonable

30 funds! That's a yellow flag by boglehead standards. Did they sell you insurance? Did they charge extra for estate planning? Have you quantified the benefit of TLH thus far?
by moneywise3
Sat Aug 20, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Get a mortgage even if not needed?
Replies: 41
Views: 3948

Re: Get a mortgage even if not needed?

Home is part investment and part consumption. Have you calculated tax savings? Do you have a projected appreciation of investments if you don't pay with cash?
by moneywise3
Sat Aug 20, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Portfolio Review
Replies: 34
Views: 4550

Re: Rick Ferri Portfolio Review

You don't need extra REIT. There's a very few people with special goals that need that.
by moneywise3
Sat Aug 20, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 4820

Re: Tips for a 1000 miles car trip with toddler and baby

I recently did this. Suggest doing 70-30 split. You tend to start late the next morning. Plus you wanna get to your destination not too late in the evening.
by moneywise3
Sat Aug 20, 2016 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Sell home and rent?
Replies: 9
Views: 1055

Re: Sell home and rent?

Take into account the closing costs in selling. Also the rents have been going up at a faster rate in last few years.
by moneywise3
Sat Aug 20, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Portfolio Review
Replies: 34
Views: 4550

Re: Rick Ferri Portfolio Review

Why doesn't it add up to 100?
by moneywise3
Wed Aug 03, 2016 4:32 am
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 44
Views: 4109

Re: Living in various places 4 months out of the year.

Don't know enough about those particular places, but most places in America are the same. Wal-Marts, highways, cars, chain restaurant et al don't help. Maybe go international. How about your source of income during this period? Some doctors in group practice can do it.
by moneywise3
Wed Aug 03, 2016 4:28 am
Forum: Investing - Help with Personal Investments
Topic: Save for a house or keep investing or both?
Replies: 7
Views: 760

Re: Save for a house or keep investing or both?

Do you have your personal investment statement done?
by moneywise3
Wed Aug 03, 2016 4:26 am
Forum: Investing - Theory, News & General
Topic: How often are stocks at 'all time' highs?
Replies: 11
Views: 1249

Re: How often are stocks at 'all time' highs?

Maybe a little more context on why the question will help. A graph from any website could give at least a qualitative answer in 2 seconds. The boglehead philosophy is high or low, there's money to be made by just following a few simple rules.
by moneywise3
Wed Aug 03, 2016 4:20 am
Forum: Personal Consumer Issues
Topic: Where to move
Replies: 54
Views: 4758

Re: Where to move

Asheville, NC. Beautiful in all respects but not costs.
by moneywise3
Wed Aug 03, 2016 4:19 am
Forum: Personal Consumer Issues
Topic: rental car club
Replies: 7
Views: 837

Re: rental car club

So you want a rental car without people knowing it's a rental car? May we have the reason behind it, so possible solutions could be offered.
by moneywise3
Wed Aug 03, 2016 4:17 am
Forum: Personal Finance (Not Investing)
Topic: New Job: Take Paycut by leaving Big 4?
Replies: 32
Views: 4558

Re: New Job: Take Paycut by leaving Big 4?

Your focus is too much on the money part. It's unlikely any change you make is going to be fulfilling.
by moneywise3
Wed Aug 03, 2016 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Timing The Market With REITS?
Replies: 8
Views: 1366

Re: Timing The Market With REITS?

Are you hoping to get encouragement on market timing on this forum? Lol
by moneywise3
Sun Jul 31, 2016 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash account question
Replies: 7
Views: 856

Re: Cash account question

BTW cash component is different from emergency fund. You can't say half of this is that. Are you changing your AA as well? Generally EF is in terms of months of expenses.
by moneywise3
Sun Jul 31, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: House Loans
Replies: 13
Views: 1218

Re: House Loans

I have never heard of this kind of expansion, unless it's a farm dwelling. Its big money too, so make sure it will give your intended returns. That could be comfort, emotional or financial.
by moneywise3
Sun Jul 31, 2016 9:49 pm
Forum: Investing - Theory, News & General
Topic: Is market out of Sync
Replies: 25
Views: 2494

Re: Is market out of Sync

malabargold wrote:No question that this is a time to be fearful while
others are greedy

But am I selling? No just stock piling a little more dry powder

I don't even bother to figure whether others are being greedy or fearful. That would be market timing. Stick to your AA and contribution plan.

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