Search found 216 matches

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: 20745

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: 2351

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: 2221

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: 2221

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: 4212

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: 8407

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: 4212

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: 4212

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: 2351

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: 2351

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: 3385

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: 54
Views: 3444

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: 5275

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: 2670

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: 808

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: 2904

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: 644

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: 3687

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: 6538

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: 10170

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: 14339

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: 2868

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: 3851

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: 4429

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: 4525

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: 1035

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: 4429

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: 3976

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: 743

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: 1192

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: 4640

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: 813

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: 4434

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: 1335

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: 813

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: 1153

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: 2422

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.
by moneywise3
Sun Jul 31, 2016 9:45 pm
Forum: Investing - Theory, News & General
Topic: Is market out of Sync
Replies: 25
Views: 2422

Re: Is market out of Sync

Yes I meant new contributions from your paychecks as per your investment plan. Actually you don't do it with DCA as the goal, but it ends up as DCA.
by moneywise3
Sat Jul 30, 2016 1:42 am
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 71
Views: 7925

Re: I have $3,000 to gamble

I am doubling the money in 60 days. Look for the address to mail the check in your inbox.
by moneywise3
Sat Jul 30, 2016 1:39 am
Forum: Investing - Theory, News & General
Topic: Is market out of Sync
Replies: 25
Views: 2422

Re: Is market out of Sync

All of these comments sound familiar. Yet no one has been able to predict the market. Are you hoping to predict a correction? Stick to your AA, and DCA. After that valuations don't matter.
by moneywise3
Sat Jul 30, 2016 1:34 am
Forum: Personal Consumer Issues
Topic: Search "anywhere" for flexible travel destination?
Replies: 6
Views: 630

Re: Search "anywhere" for flexible travel destination?

Look for last minute deals on any travel website.
by moneywise3
Sat Jul 30, 2016 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Insure Home for less than replacement value
Replies: 15
Views: 1004

Re: Insure Home for less than replacement value

Its not prudent spending time on this issue. Just take the full coverage. Life is all about such decisions - I would sweat the big stuff.
by moneywise3
Mon Jul 25, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 101922

Re: What's Your Credit Card Rewards Strategy?

My strategy is my time is for loving my family. Not wasting my time on slick deals. I will always have enough for everything I would ever want. Those who "save" more money, end up paying it as taxes or to charity. I am up for debate if anyone wants to challenge that. Its an open invitation!
by moneywise3
Sun Jul 24, 2016 10:23 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 9383

Re: Reliving the Nightmare of the Crisis

I remember the market went up 10% in a single day. The explanation analysts gave was ludicrous. No one really knows anything.
by moneywise3
Sun Jul 24, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Allstate Umbrella Insurance
Replies: 33
Views: 2748

Re: Allstate Umbrella Insurance

There is no predictability on insurance premiums. Not with any carrier including Geico.
by moneywise3
Fri Jul 22, 2016 11:22 pm
Forum: Investing - Theory, News & General
Topic: Recession post-election?
Replies: 42
Views: 3702

Re: Recession post-election?

So you know recession is coming? You could be super rich.
by moneywise3
Fri Jul 22, 2016 11:19 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3645

Re: Canada vacation

Car insurance companies used to give a different card to carry. Let us know what you find out.
by moneywise3
Fri Jul 22, 2016 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 17596

Re: How many folks choose to give inheritance to their children in unequal portions?

Fund therapy sessions for the two children. Then divide equally. Without therapy they are going to end up same, no matter the dollar figure they get.
by moneywise3
Fri Jul 22, 2016 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 15963

Re: Early retirees, how much did you leave on the table?

I appreciate that everyone has an opinion but as the OP I asked a pretty specific nuts and bolts question about finances not philosophy of life. I greatly appreciate those who have attempted to answer the question asked it is very helpful to me. Thank you. A great many things about money can't be a...

Go to advanced search