Search found 435 matches

by tampaite
Mon Feb 12, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19393

Re: I bought a stock today - Redfin (RDFN)

I know a couple of real estate brokers here and they generally have clients already in the queue who would be interested in a home coming onto the market, and we've already talked about strategies to encourage above-price offers. so you are basically looking to inflate your assest price? Am sure th...
by tampaite
Sun Jan 28, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Buying rebuilt/salvage vehicles on Ebay
Replies: 22
Views: 1241

Re: Buying rebuilt/salvage vehicles on Ebay

I unknowingly and regrettably purchased a salvaged car. It was not a good value. Some things were never right, the non-disclosed repaint was of terrible quality and began peeling after a couple years, and overall reliability suffered. Value-wise, I think one is better off buying a new, reasonable c...
by tampaite
Sun Jan 28, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Buying rebuilt/salvage vehicles on Ebay
Replies: 22
Views: 1241

Buying rebuilt/salvage vehicles on Ebay

Has anyone bought rebuilt or vehicles with salvage titles? Some of the vehicles listed look spanking new. However, most seem to have flood damage or water damage or unknown damage(that I can't look up via VIN online). Not sure if there is a difference between flood damage vs water damage. Any tips t...
by tampaite
Thu Jan 18, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 6655

Re: Looking for a reasonably priced, safe international destination

I live in the DC area (DCA, IAD, BWI). Have two young kids, 6 and 3. Have up to a week off. I only speak English. The trip will be first week of May. Wants: Safe for the family Not too expensive Outside the US I was thinking Iceland. Any other destinations that fit this bill? Thanks! Cairo, Egypt -...
by tampaite
Thu Jan 11, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12392

Re: Is it time for me to "call in rich"?

Now we're at at $3.2 million! Our target retirement spending is around $65k per year, not counting health insurance. If we qualify for ACA subsidies, we can get a package for about $4k max out of pocket per year, which would be great! If not, we're looking at potentially $30k out of pocket per year...
by tampaite
Thu Jan 11, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 1582

Re: Kenmore Washer Dryer

Life is full of trade-offs. I will gladly pay more for my water bill (a whopping $2.33/month based on our usage @ 20 gallons/load) to have a quality machine that cleans well, and lasts. That's what they told about Hummers and I don't see any on the roads these days. Anything that's not efficient wi...
by tampaite
Thu Jan 11, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 1582

Re: Kenmore Washer Dryer

We are looking at MayTag washer/dryer combo. We looked at SpeedQueen and passed up due to the machine being a waterhog. It might clean your clothes well but you'll spend on paying for water more throughout it's lifetime. Not sure why so many posters recommend SpeedQueen - perhaps, they need to check...
by tampaite
Mon Jan 08, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can you ever win the game?
Replies: 50
Views: 5272

Re: Can you ever win the game?

iammoe wrote:
Sun Jan 07, 2018 5:32 pm
Can an investor (not a famously rich person) ever reasonably say, I have won the game and have saved enough money to support myself in retirement for the rest of my life? Moe
It will take minimum of 30 years. Do you have 30 more years left in ya?
by tampaite
Fri Dec 29, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Reopen same closed checking account?
Replies: 6
Views: 611

Reopen same closed checking account?

I closed a Bank of America checking account about 3 yrs ago. Is it possible to apply and re-open the same account and retain the same checking account number? Anyone done something similar? I believe the answer is NO but couldn't find any details on BOA website and their customer service is offline ...
by tampaite
Thu Dec 28, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I carry home owners insurance?
Replies: 36
Views: 2440

Re: Should I carry home owners insurance?

OK, I just feel like paying 3K per year for insurance that is not covering anything when you REALLY need them is super annoying... so... I know a friend who did just that. 3k times over a 30 year mortgage means you have over 100k in savings. Home is a depreciating assets when accounting for inflati...
by tampaite
Wed Dec 06, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 30
Views: 2424

Re: Holiday Tipping

Hello Bogleheads always nice to chat with you. My wife and I were discussing how to tip this holiday season. We have read some articles and wanted to know what the forum thought. We are planning on tipping the following folks and wanted to know how you determine what to tip; newspaper delivery pers...
by tampaite
Mon Dec 04, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: RV rentals
Replies: 21
Views: 2004

Re: RV rentals

I have no experience, but I know that Lazydays is a huge RV company that offers rentals and it is located in SW Florida. Thanks I would look into rvshare.com. Similar idea to airbnb, but for rv rental. I haven't used their service myself. Thanks Better to just read and move past thoughts that don't...
by tampaite
Mon Dec 04, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: RV rentals
Replies: 21
Views: 2004

Re: RV rentals

Any recommended places to rent RVs for a short 2-day trip ? Need an RV that sleeps at least 8-9 people. Am in FL. That's a huge number of people for a motorhome. I hope everyone likes each other, a lot - and that nobody snores. Thanks but Can you just respond to the initial Q otherwise, your respon...
by tampaite
Mon Dec 04, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Discover removes some benefits
Replies: 3
Views: 948

Re: Discover removes some benefits

student wrote:
Sun Dec 03, 2017 9:39 pm
This may affect your choice of credit card.

https://www.doctorofcredit.com/discover ... 28th-2018/
Thanks for posting this.
by tampaite
Mon Dec 04, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: RV rentals
Replies: 21
Views: 2004

RV rentals

Any recommended places to rent RVs for a short 2-day trip ? Need an RV that sleeps at least 8-9 people. Am in FL.
by tampaite
Mon Dec 04, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: cash out pension or no?
Replies: 9
Views: 1216

Re: cash out pension or no?

i can start collecting a pension when i'm 50 or have it cashed out. which scenario would be the best? of course i don't know how long i'll live so there's that wild card. age 50 collect $800/month or cash out $140K age 55 collect $1200/month or cash out $230K age 60 collect $1800/month or cash out ...
by tampaite
Mon Dec 04, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off mortgage?
Replies: 77
Views: 6859

Re: Invest or pay off mortgage?

ACA wrote:
Wed Nov 29, 2017 7:58 am

45 years old and max out 401k annually. Over $800k in retirement accounts.
$150k mortgage at 3.37% on $500k home; no other debt.

Have an extra $3k monthly to invest or pay off mortgage early. Really like the idea of being debt free
IMO, Pay Off.
by tampaite
Mon Dec 04, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 100
Views: 14360

Re: Reached 4M target. Taking money off table. Advice?

Actually I am probably at the 5 million. I expect to inherit $1 million. My parents are mid 80s. I have about 100K in cash. 150K in vanguard short-term bond. 300K in vanguard total bond index. The rest is in U.S. stocks. IMO, Sell all - invest in CDs. You have enough to worry about volatility in th...
by tampaite
Mon Dec 04, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

goingup wrote:
Sat Dec 02, 2017 11:31 am

What did you decide about future contributions?
No change. They still continue to flow into original fund(2050)
by tampaite
Fri Dec 01, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

Update: Placed an order to exchange 100% of shares which were in 2050 fund with 2030 fund.
by tampaite
Thu Nov 30, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

chevca wrote:
Thu Nov 30, 2017 3:32 pm
http://www.macrotrends.net/1358/dow-jon ... t-10-years

What's so much scarier about "NOW"?
5000 jump in DOW in 10 months.
by tampaite
Thu Nov 30, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

chevca wrote:
Thu Nov 30, 2017 3:23 pm

Don't need to. You didn't know it would happen that way. The swing was already on a 6 year run up and there was call for an imminent crash. Why didn't you make a change?
The swing has become larger NOW for my tolerance. How much clearer can I get?
by tampaite
Thu Nov 30, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

OP: Just go with TR 2040. Remember that the TR funds are made up of 4 different funds (US and Int'l stocks and bonds). By selling 2050 and buying 2040 you will be selling stocks and buying bonds, making your portfolio safer and locking in your gains. Since your are not retiring, you should also put...
by tampaite
Thu Nov 30, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

chevca wrote:
Thu Nov 30, 2017 3:13 pm
My point is, the swing was large even then, there was call for an imminent crash, and you didn't make any changes. Why? Did you somehow know it would grow larger?
Can you show me 5000 Dow Swing in a 10 month-period in the past 5 years like the chart I showed?
by tampaite
Thu Nov 30, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

chevca wrote:
Thu Nov 30, 2017 3:08 pm
So, you weren't watching the financial news when the election was taking place? Many or most of them called for a an imminent crash. Why didn't you change things then?
Please refer to my comment above that I made in reference to your Q.
by tampaite
Thu Nov 30, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

Oh gotcha... so, you would try to time the market and your risk tolerance changes based on the noise... Why didn't you go 10/90 when the new President won and the noise claimed a crash was imminent then? I guess you didn't read my comment above. the swing is much larger now. Nothing to do with the ...
by tampaite
Thu Nov 30, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

If the Dow doubled and you got out of the market, it would be because your need to take risk changed...not your risk tolerance. Risk tolerance is the ability to withstand large swings in the market. That doesn't change because the Dow hits 24,000. Your post seems like you've been following the fina...
by tampaite
Thu Nov 30, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

GLState wrote:
Thu Nov 30, 2017 2:45 pm
In a crash like 2008, losing 50% of 75% stock allocation is not going to seem much different than losing 50% of a 90% stock allocation...it will be a lot of money either way.
You got it. Losing 50% of 75% is better than 50% of 90%!
by tampaite
Thu Nov 30, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

No, not really making sense. Everything you move to the 2030 fund is still in the market, just at a 70/30 and your new contributions would be at 90/10 (roughly on the numbers). The crash you're scared of is still going to hit your 2030 fund. It's not 'safe' there. By leaving a good chunk at 70/30 a...
by tampaite
Thu Nov 30, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

So, you want to buy at these new highs that you're so afraid of?? I would assume you think the market will be even higher one or two decades from now. Again, what do you care about where the market is now? I don't know if market will go higher/lower but the risk is lower for me since only new contr...
by tampaite
Thu Nov 30, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

chevca wrote:
Thu Nov 30, 2017 1:28 pm
Simple question.... if you will be contributing for 1 or 2 more decades, what do you care about where the market is now?
This is only for *new* contributions.
by tampaite
Thu Nov 30, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

chevca wrote:
Thu Nov 30, 2017 1:31 pm
Also, do you realize how conflicting it is to say/think your risk tolerance is lower, but you still want higher expected returns?
It's not. I think am being clearer(i hope so) that separating the money into two buckets, i get to enjoy both sides.
by tampaite
Thu Nov 30, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Re: Reduce risk tolerance - Vanguard Target Funds

Has your risk tolerance changed for good, or just for now? Why would you still contribute to the 2050 fund? I'm also wondering why you would continue contributing to the 2050 fund rather than the 2030 fund? Do you consider this a permanent change to your allocations or is it only temporary market t...
by tampaite
Thu Nov 30, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 1947

Reduce risk tolerance - Vanguard Target Funds

Down just hit 24K and my tolerance for risk has reduced. Call it market timing but I'd like to reduce my risk(am in my 40s now) I have my entire 401K in Vanguard 2050 fund(89.97% Stocks/9.98% Bonds). Here is my thinking - poke any holes in it :D Existing $ in 401k - If I want to take on lower risk a...
by tampaite
Thu Nov 30, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Thankful for the Debt we Took - Should we Try Again?
Replies: 95
Views: 9516

Re: Thankful for the Debt we Took - Should we Try Again?

We have an offer of cash-out refinance of our $200K interest-only ARM at 3.25% to a $350K 30-year FRM at 3.80%. Can you help me understand this statement? ARM == Adjustable Rate Mortgage FRM == Fixed Rate Mortgage I get the abbreviation - I didn't understand what you were trying to do. What is the ...
by tampaite
Mon Nov 27, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Yet another can I afford this house post- please weigh in
Replies: 32
Views: 3917

Re: Yet another can I afford this house post- please weigh in

- mid 30s single, do not want kids . - current income of 85K/year - 1.6M in liquid investments - additional 320K set aside for downpayment currently earning 1.3% interest - current living expenses are approximately 2.5K on top of my rent, which allow me to live pretty comfortably. Based on above(in...
by tampaite
Mon Nov 27, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Thankful for the Debt we Took - Should we Try Again?
Replies: 95
Views: 9516

Re: Thankful for the Debt we Took - Should we Try Again?

Shikoku wrote:
Fri Nov 24, 2017 8:42 pm
We have an offer of cash-out refinance of our $200K interest-only ARM at 3.25% to a $350K 30-year FRM at 3.80%.
Can you help me understand this statement?
by tampaite
Sun Nov 26, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 27979

Re: Why not take Social Security at 62

That's a life expectancy at birth, it's irrelevant to someone who has already lived to 62. You want the a expectancy at 62. so how would you know expectancy at 62? I'd say, it's still the same at birth. If that were true, what would your life expectancy be if you are already 90, as that is past lif...
by tampaite
Sun Nov 26, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 27979

Re: Why not take Social Security at 62

That's a life expectancy at birth, it's irrelevant to someone who has already lived to 62. You want the a expectancy at 62. so how would you know expectancy at 62? I'd say, it's still the same at birth. You should seriously consider taking an online statistics+probability 101 course. It is importan...
by tampaite
Sun Nov 26, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3943

Re: Should I keep the new iPad I bought or return it?

I bought a new iPad yesterday at Target on sale for $249.00 and now I can't decide if I really need it or if it will just become another device I won't use after a few months. I have a MacBook and an iPhone 5S which I use both all day and evening. I've never owned one before and have lived without ...
by tampaite
Sun Nov 26, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 2720

Re: Are there ant unspoken rules to "keep in touch" with previous boss?

When I was leaving my previous job, my boss was very surprised that I am leaving the position. Although, he did not counter offer me the current position, he did repeatedly mentioned to me to "keep in touch" and "let me know in future if you need anything". Just add him to LinkedIn and move-on with...
by tampaite
Sun Nov 26, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club and Other Goals Reached!
Replies: 19
Views: 4117

Re: 2 Comma Club and Other Goals Reached!

SeaToTheBay wrote:
Tue Oct 10, 2017 12:03 pm
Wife and I hit the 2 comma club last Friday, and yesterday hit the half-million mark for $ (no real estate). Yes, RE is nearly half of our NW
Keep chugging along. Congrats!
by tampaite
Sun Nov 26, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Pay this off now or not?
Replies: 33
Views: 2731

Re: Pay this off now or not?

hightower wrote:
Fri Nov 24, 2017 12:19 pm

The payment doesn't bother me much, but the fact I still owe $100k kind of does.

What would you do given the above information??
Pay it this week and end 2017 on a positive note!
by tampaite
Sun Nov 26, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Enough to retire???
Replies: 22
Views: 3603

Re: Enough to retire???

ln09348 wrote:
Sat Nov 25, 2017 8:13 pm
Total portfolio incl retirement and non-retirement $2M.
With 2M in assets, Yes. Indeed
by tampaite
Sun Nov 26, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 27979

Re: Why not take Social Security at 62

Finally, if we analyzed any private insurance based on "average loss", we'd never buy insurance. This clearly tells you that most people unnecessarily spend on Auto insurance, Home insurance etc. I haven't claimed a dime on auto insurance claims for past 20 years, at average price of 2k per year, t...
by tampaite
Sun Nov 26, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 27979

Re: Why not take Social Security at 62

Independent wrote:
Sat Nov 25, 2017 12:53 pm
That's a life expectancy at birth, it's irrelevant to someone who has already lived to 62. You want the a expectancy at 62.
so how would you know expectancy at 62? I'd say, it's still the same at birth.
by tampaite
Sun Nov 26, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Too much house, right?
Replies: 88
Views: 8677

Re: Too much house, right?

Utahdogowner wrote:
Fri Nov 24, 2017 6:06 pm

I'm a family doc making ~250-275k/yr, wife is SAHM w/ 2 kids. We don't have another kid on the way, but likely will have another 1-2 within 5ish years. DW would likely return to work as a nurse once they're all back in school.
Short answer - You can afford it. Go for it.
by tampaite
Sat Nov 25, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 27979

Re: Why not take Social Security at 62

Most of what I find on the web says to wait at least until age 67 (my full benefit age). I am having a difficult time making the math justify most of what I read, and as is typical for me it seems, it seems like I will buck the trend and take Social Security at 62, My 2 cents. Take it at 62. Most p...
by tampaite
Thu Nov 23, 2017 8:24 am
Forum: Local Chapters and Bogleheads Community
Topic: May You Always Do For Others And Let Others Do for You - Happy Thanksgiving dear Bogleheads
Replies: 15
Views: 1285

Happy Thanksgiving!

[Thread merged into here, see below. --admin LadyGeek]

Happy Thanksgiving All!

Am thankful for this forum which has continued to help me grow and learn both with financial and personal literacy
by tampaite
Mon Nov 20, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Cruise to Nassau, Bahamas - Atlantis Discovery Tour?
Replies: 11
Views: 868

Re: Cruise to Nassau, Bahamas - Atlantis Discovery Tour?

I too was thoroughly unimpressed by Nassau. Should have stayed on the Disney boat IMHO. It was kind of grubby and not memorable. I disagree. It's all about going out of your comfort zone and exploring. We throughly enjoyed the downtown area, queen's castle and just exploring the city in the limited...