Search found 167 matches

by mortfree
Tue Feb 21, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Garage Floor Covering - Need Advice
Replies: 20
Views: 1183

Re: Garage Floor Covering - Need Advice

I haven't seen this mentioned yet, I bought two 9' x 20' for my 2 car garage. it's not permament; a little expensive, but I like it.


https://www.elitegaragefloors.com/roll- ... -covering/




.
by mortfree
Fri Feb 10, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard funds for $100K taxable account?
Replies: 25
Views: 3178

Re: Which Vanguard funds for $100K taxable account?

VTI

VYM

I have both - I like them. check out their listings if you haven't already.

also mgk or mgv which I believe are "world". I have these in my son's account.
by mortfree
Wed Feb 08, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5322

Re: Hardwood floors vs Wood Look Tile?

Before you commit to vinyl, do some research on toxic chemicals, such as pthalates, in vinyl. Many people would not choose to have it in a home with small children. YMMV, of course. please provide supporting information - that is quite a claim to put out on here with nothing to back it up. http://w...
by mortfree
Wed Feb 08, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5322

Re: Hardwood floors vs Wood Look Tile?

Karndean is a brand that you could consider for vinyl with a wood finish look.

holds up well in high traffic areas and with my great dane.


.
by mortfree
Mon Feb 06, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: is it ok to ask about recommendations regarding index funds?
Replies: 20
Views: 1100

Re: is it ok to ask about recommendations regarding index funds?

irish17 wrote:I have been reading and have watched several videos. I have to make a decision soon is why I asked.
Thank you for your note.
irish


You can contribute your money and then let it sit "in cash" until you are ready to invest it.

If that gives you peace of mind.


.
by mortfree
Fri Feb 03, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4609

Re: GF has long commute, should we buy a house to avoid long commute?

warowits wrote:
Wellfleet wrote:
warowits wrote: A one hour commute each way is crazy.


It is? Thanks....




I think that makes one hour commutes crazy. Just one mans opinion.


I've been commuting ~1.5 hrs each way since October 2000... guess I'm krazy with a k.
by mortfree
Fri Feb 03, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: "free" tax software, online vs. download etc
Replies: 5
Views: 653

Re: "free" tax software, online vs. download etc

1) I believe only the online version is free - see if you can go to their website and get a free disc in the mail. 3) In my experience with the free online version, I am able to input all of my required information - including schedule D. I am only prompted to pay for the service IF I file through t...
by mortfree
Fri Feb 03, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4609

Re: GF has long commute, should we buy a house to avoid long commute?

time to make a move... get engaged - you said you're not getting any younger. since you currently rent, move to be closer to her work. like others have said - rent, or buy a place in your name only until you are officially married. I hope that she changes her views on money - it will be a strain in ...
by mortfree
Fri Feb 03, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: 35 year old, looking to invest $500,000+, need help!
Replies: 6
Views: 1013

Re: 35 year old, looking to invest $500,000+, need help!

I am going to assume you didn't look at the wiki pages. If not, please take a look and then maybe you'll have a better direction to get better answers. hope this helps! https://www.bogleheads.org/wiki/Outline_of_investing these are just a few I'll highlight: https://www.bogleheads.org/wiki/Getting_s...
by mortfree
Thu Feb 02, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being given needlessly complicated advice?
Replies: 31
Views: 2919

Re: Am I being given needlessly complicated advice?

novice here, but any investment that is only 5% or so of your portfolio really has no chance to influence the growth of your money (as someone mentioned on one of these threads a while ago). You just need to build a 3-fund portfolio out of the available funds and tell the "experts" you're ...
by mortfree
Thu Feb 02, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: Stock Investors -- Wrong Again.
Replies: 33
Views: 5346

Re: Stock Investors -- Wrong Again.

Gosh, I did not realize there were only two individual stocks in the entire market for which people can trade in an attempt to have success... Take into consideration that Apple may have been sold in 2016 b/c there were long term investors who held the stock and wanted to cash in on their winnings a...
by mortfree
Thu Feb 02, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 5385

Re: Milestone and gotta tell someone

congrats...

don't rush to tell anyone - let it set in.

I'm coming up on 1 year since payoff - I had just turned 39 when I made the final payment. Didn't let anyone know b/c it isn't "normal"; esp at my age.


enjoy.
by mortfree
Tue Jan 31, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: AAPL stock
Replies: 4
Views: 644

Re: AAPL stock

Yawn

120 shares averaged at $45.5
90 shares averaged at $108

Split adjusted.

Holding for dividends (time in market, right?)
by mortfree
Tue Jan 31, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my house?
Replies: 23
Views: 2589

Re: Should I pay off my house?

I would pay it off.

others will get into the interest rate, interest amounts, "tax savings", etc, but at 14k that is pocket change when you have 70k cash.



.
by mortfree
Mon Jan 30, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Stocks Down - My Fault
Replies: 26
Views: 3973

Re: Stocks Down - My Fault

Thanks. Good timing as I have another $1500 being transferred into my taxable account on Tuesday. Maybe I'll buy more BRK-B

.
by mortfree
Sat Jan 28, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3354

Re: Help with allocating debt vs investing with increase in pay

Thanks for everyone's help. I really appreciate it. So I have a question on where best to put my tax refund. I will be getting back around $4000 with my federal and state combined. I'm wondering do I put this towards my two loans with the higher interest rate, wiping out one of them completely. Or ...
by mortfree
Sat Jan 28, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Sump pump and power outage
Replies: 53
Views: 3387

Re: Sump pump and power outage

If they have public water there is a device they can have a plumber install that will still work during a power outage.

Water powered backup sump pump
by mortfree
Sun Jan 22, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Spending, Saving, and Debt in 2017.
Replies: 8
Views: 1786

Re: Spending, Saving, and Debt in 2017.

If your savings allow I would get rid of the grad plus 2014 and 2015. Not because of the rate but because you'll see immediate impact and have $100 less in payments. Then I would look at the loan(s) that generate the highest interest per month ($ not %) and focus on that if it meets your debt comfor...
by mortfree
Sun Jan 22, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Selling diamond engagement ring
Replies: 40
Views: 4748

Re: Selling diamond engagement ring

There is a website called "I do but now I don't".

Check that out. I don't know all of the details but I heard the site mentioned in an article.



Good luck
by mortfree
Sun Jan 22, 2017 3:37 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 1.9% loan or invest
Replies: 61
Views: 4682

Re: Pay down 1.9% loan or invest

He is paying probably $16/month in interest at this point. $16. Not $100. Not $200. $16. This 1.9% is not going to compound to drive the debt deeper like a credit card with a 10% interest rate. The loan has an endpoint that the monthly payment ensures the balance will go to $0. I'm having a hard tim...
by mortfree
Sat Jan 21, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Should we pay off our student loan?
Replies: 44
Views: 3573

Re: Should we pay off our student loan?

I would consider the following: 1. If you are planning to stay in this home for quite a while or forever, look into a 15-year or 20-year refinance. use some of the cash you have to pay down the loan in order to keep your new payment the same as the current (or less, or a little more). knocking off 1...
by mortfree
Fri Jan 20, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down 1.9% loan or invest
Replies: 61
Views: 4682

Re: Pay down 1.9% loan or invest

I am enjoying the responses and views of everyone! I am leaning on the mental aspect of having debt (regardless of rate) and not paying that off before doing anything else. Though mathematically it makes sense to invest and set up payments for the loan, I feel mentally being comfortable with having...
by mortfree
Thu Jan 19, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down 1.9% loan or invest
Replies: 61
Views: 4682

Re: Pay down 1.9% loan or invest

I am in this exact spot. I think he actually stole my situation- haha. Would "you" cut your EF in half (so it appears) to pay off a car loan at 1.9% only to have a true emergency (10k+) and turnaround to totally deplete you EF or borrow the money at a higher rate via a loan or credit card ...
by mortfree
Thu Jan 19, 2017 4:56 am
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3354

Re: Help with allocating debt vs investing with increase in pay

And when you say "Roth", do you mean my existing FFNOX fund? Or opening a new Roth? If I did the last scenario, that would mean I have no emergency fund outside the contributions in my FFNOX fund. Same Roth account but buy something less risky as others have suggested. I hate debt but I a...
by mortfree
Wed Jan 18, 2017 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3354

Re: Help with allocating debt vs investing with increase in pay

I wouldn't touch your existing investment to make it an emergency fund

Going forward consider something like this with the $650.

200 Roth
250 emergency (online savings 0.75%-1% interest)
200 debt of your choice.

Or

450 Roth
200 debt

Or

250 Roth
400 debt
by mortfree
Sun Jan 15, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 41
Views: 3552

Re: How High is Your TV?

I have a 52" and 60" wall mounted.

I placed the bottom of the tv at 36" from the floor.
by mortfree
Sun Jan 15, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage
Replies: 14
Views: 1584

Re: Paying off mortgage

I doubt you paid that much in interest on the loan. I'd guess $500 +/-

You'll still be able to deduct property taxes so long as you're still able to itemize.

Pay it off and call it a day. Good way to start 2017.
by mortfree
Sat Jan 14, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1376

Re: Receipts

NotWhoYouThink wrote:They go in the recycle box with the BBB coupons.


I use those BBB coupons when I paint. Great for cutting in along the edges.
by mortfree
Wed Jan 11, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Goals...What should we do?
Replies: 15
Views: 1640

Re: 2017 Goals...What should we do?

Thanks Ace. What your proposing is what I'd like to do. I am struggling with taking our EF down to $8,000 to pay off a 0.9% car loan though. Paying this car off frees up $300 a month, which ironically, if put towards my wife's Roth, allows it to be maxed out at $458 per month. Maybe I'm just being ...
by mortfree
Wed Jan 11, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 52
Views: 4111

Re: Help with paying off debt

Saving$- this is VERY useful information. Thanks so much for that. My only question is, as I am new to Roth IRA's, you mention to put my EF into that. By simply transferring the EF money into the Roth, does that work? Do I have to invest that money in anything, or can it just sit in the money marke...
by mortfree
Wed Jan 11, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Help me decide if I should Invest or Payoff Loans?
Replies: 15
Views: 1439

Re: Help me decide if I should Invest or Payoff Loans?

similar to above... Pay off the student loan now. Max 2016 Roth, max 2017 Roth - invest it right away and don't look at it. You'll be fine b/c I just invested $5500 yesterday so it'll go down now for you. What fees are on your 401k - is it from the plan, the funds? maybe you're just not contributing...
by mortfree
Tue Jan 10, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 2903

Re: Shutterbugs - How do you organize your digital photos?

I put them in folders by device.

iPhone 4s
iPhone 7
T5i

I also have some subfolders by occasion (not device) like xmas_2016 and vacation_2016

Novice level user.

I also backup in an external storage drive
by mortfree
Tue Jan 10, 2017 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Goals...What should we do?
Replies: 15
Views: 1640

Re: 2017 Goals...What should we do?

I would increase wife's Roth to max it out. If she hasn't maxed 2016 add to that first Until April 18, 2017. I would bump up 401k for each of you as well if you have good funds to choose from. I'd also look closely at the mortgage to see if you can make headway there with extra payments. Alternative...
by mortfree
Mon Jan 09, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 52
Views: 4111

Re: Help with paying off debt

So would you recommend doing $300 on car loan #1, and then attack the student loan along with starting investing? I want to do 15% of my gross income, but I feel like I should at pay off my student loan and get my PMI out of the way before I do the full 15%. I think my overall point is trying to ba...
by mortfree
Mon Jan 09, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 52
Views: 4111

Re: Help with paying off debt

*So just an update. I took everyone's advice into account, and it seems like the most common advice was to pay off the Best Buy card completely. I just made a payment for the full amount this morning, so that is now GONE and it feels great. I am going to try and knock out the school loan as quick a...
by mortfree
Sun Jan 08, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Reverting to a Wood Burning Fireplace from Gas
Replies: 37
Views: 2018

Re: Reverting to a Wood Burning Fireplace from Gas

Is the fireplace located along an exterior wall? Is the room above ground? Or is the fireplace located in the center of the room? The reason I ask is because if it is on an exterior wall then you could look into a brand new gas fireplace unit (one that is fully enclosed and not just a log set) that ...
by mortfree
Sun Jan 08, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Reverting to a Wood Burning Fireplace from Gas
Replies: 37
Views: 2018

Re: Reverting to a Wood Burning Fireplace from Gas

Is it sized properly for the room (BTUs?)?

Does it have a blower installed to move the air?

What is the condition of the chimney?

.
by mortfree
Sun Jan 08, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help for friend
Replies: 8
Views: 849

Re: Help for friend

Sell the bike.


.
by mortfree
Sun Jan 08, 2017 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 52
Views: 4111

Re: Help with paying off debt

A word of caution on going crazy using EF to payoff a lot of debt. As a homeowner you could face expensive repairs so having that 19k cash is helpful. The little bit of interest that you are paying on the cars is an insurance policy. If you have an emergency where are you going to be able to borrow ...
by mortfree
Sat Jan 07, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes for the first time--Please help!
Replies: 33
Views: 2307

Re: Doing taxes for the first time--Please help!

Yeah plug in your numbers in turbo tax and see what their answer is. Like livesoft said you really need to know how to do the math yourself. You can easily miss something in the software and it won't work like you expect it to. But you'll never know if you don't fully understand the math behind the ...
by mortfree
Sat Jan 07, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 52
Views: 4111

Re: Help with paying off debt

Sorry that is shorthand. Means you can add 2016 contributions in your ROTH until April 18, 2017. Then begin adding 2017 contributions after April 18th.

Continue to do a ROTH for as long as you're allowed. Max is $5500 for you plus $5500 for your wife.
by mortfree
Sat Jan 07, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 3285

Re: Bedroom is colder than rest of house. Radiator heating question.

Electric infrared fireplace for the bedroom.



.
by mortfree
Sat Jan 07, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes for the first time--Please help!
Replies: 33
Views: 2307

Re: Doing taxes for the first time--Please help!

I noticed in December that the 1040 instructions link in the IRS website is still linked to the 2015 document.

Thought that would have been fixed by now.

Or maybe it's just me.
by mortfree
Sat Jan 07, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes for the first time--Please help!
Replies: 33
Views: 2307

Re: Doing taxes for the first time--Please help!

Do you know which 1040 form you have to complete? There is 1040-EZ that should be really simple.

Did you sell aapl and realize the loss? That may decide which 1040 form to use

I will use turbo tax to double check myself but will manually fill in the forms and not pay turbo tax at all.
by mortfree
Sat Jan 07, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 52
Views: 4111

Re: Help with paying off debt

it's the debt that are killing them that has to be rectified first. $600 in consumer debt payments for someone at that age vs $4700 per month take home is not killing them. People need cars. One student loan at $6200. They are leveraging debt at this point where the max interest is in the low 3%. I...
by mortfree
Sat Jan 07, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 52
Views: 4111

Re: Help with paying off debt

First, set aside at least $1000 for EF. If you already have an EF, great. Debt order: Best Buy immediately. Student loan Start investing at this point if you haven't already*. Car loan 1- I would pay $300/month when above debt is done. Car loan 2- don't accelerate. Mortgage - extra only so you can g...
by mortfree
Fri Jan 06, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: Hearing aid problem (ReSound) - volume drops autonomously
Replies: 5
Views: 495

Re: Hearing aid problem (ReSound) - volume drops autonomously

Return them if you can and go to Costco

If that is not an option please go to the hearing aid forum website and look for answers there (if you haven't already)

With hearing aids paying more does not always guarantee a better experience.

Good luck
by mortfree
Fri Jan 06, 2017 11:45 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 6010

Re: I am timing the market. Why am I wrong?

You are like the surfer waiting for the perfect wave and you spent the last year treading water.

The market isn't going to wait for you. All that the market has is time. It was here before you arrived and it will be here when your time is up.
by mortfree
Wed Jan 04, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: [Seeking advice] I messed up. What's next?
Replies: 30
Views: 2909

Re: [Seeking advice] I messed up. What's next?

Have you considered calculating your GPA on your own? For instance, if you factor in only the classes that applied to your major. Maybe then you can present Major GPA x.x and overall GPA 2.84. or Exclude the first year's classes. Sophomore through graduation GPA x.x and overall 2.84. I believe that ...
by mortfree
Tue Jan 03, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10236

Re: Max It Out Tomorrow

island wrote:Any care to share what funds you hold in your Roth?


I'm sure No one will like this
Started this pre-bogleheads

Apple
Berkshire Hathaway B shares
Caterpillar
Ford
Altria
United healthcare
Exxon mobil
Vanguard total ETF (VTI)
Vanguard high dividend (VYM)
Wellesley (VWINX)

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