Search found 229 matches

by TinyElvis
Thu Feb 11, 2021 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to spend $2500 in a Health Reimbursement Account (HRA)
Replies: 18
Views: 683

Re: How to spend $2500 in a Health Reimbursement Account (HRA)

Are there any concierge doctors where you live? You could put that towards a 1 year membership.
by TinyElvis
Tue Feb 02, 2021 2:05 pm
Forum: Personal Consumer Issues
Topic: personal website for physician
Replies: 15
Views: 1553

Re: personal website for physician

As a patient, I really enjoy being able to find out more about my doctor (or potential doctor) on their web site.
by TinyElvis
Tue Feb 02, 2021 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding to refinance from 30 yr to 15 yr (or not)
Replies: 18
Views: 1388

Re: Deciding to refinance from 30 yr to 15 yr (or not)

I do not think that it is worth going through the gyrations of a refinance for such a small percentage. Keep the 30 and pay additional principal (like you suggested). Flexibility and control are great things.
by TinyElvis
Mon Feb 01, 2021 11:46 pm
Forum: Personal Consumer Issues
Topic: New Garbage Disposal Time?
Replies: 26
Views: 1329

Re: New Garbage Disposal Time?

You would be surprised how well putting a tray of ice cubes in there while it’s running manages to resolve strange disposal sounds.
by TinyElvis
Tue Jan 26, 2021 11:00 pm
Forum: Personal Consumer Issues
Topic: Showers and Shower faucets
Replies: 60
Views: 3567

Re: Showers and Shower faucets

Get the nicest fixtures you can. In the long run a few extra hundred dollars will not break you. Save a few dollars elsewhere.
by TinyElvis
Tue Jan 12, 2021 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Setting My Own Salary
Replies: 14
Views: 1521

Re: Setting My Own Salary

If you are structured as a pass through entity, you will pay less tax by taking a lower salary and the remainder as a draw. A higher salary will earn more S.S. benefits, but you will pay more taxes yearly. What he said. I only pay half my salary as W2; the rest is a distribution in January based on...
by TinyElvis
Tue Jan 12, 2021 10:36 pm
Forum: Personal Investments
Topic: Considering moving funds from American Funds to Vanguard
Replies: 12
Views: 1045

Re: Considering moving funds from American Funds to Vanguard

Thanks for all the advice! I'm looking into all links from previous posts to help ease this transition. In my husbands ROTH we have AMCFX, GWPEX, AEPEX, GFFFX, ANWFX and in my IRA I have PGWFX and GFFFX. No load funds but the ER's (0.30-0.48) are not where I've researched they could be, in addition...
by TinyElvis
Tue Jan 12, 2021 8:07 pm
Forum: Personal Investments
Topic: Considering moving funds from American Funds to Vanguard
Replies: 12
Views: 1045

Re: Considering moving funds from American Funds to Vanguard

Our financial management group Lucia was recently bought by LPL and in signing our new applications for rollover, we discovered the 1.85% annual AUM fee in addition to the higher fund ERs. It's surprising (to me) that you are getting hit with high fund expenses if you are paying AUM. I would have a...
by TinyElvis
Tue Jan 12, 2021 8:41 am
Forum: Investing - Theory, News & General
Topic: Muni bonds for taxable account?
Replies: 52
Views: 4792

Re: Muni bonds for taxable account?

Good morning.

Please pardon my ignorance, but why does your tax bracket matter with regards to holding tax-free bonds in your taxable account?
by TinyElvis
Sat Jan 09, 2021 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Buying Home Before Selling Home - Seeking Finance Input
Replies: 14
Views: 1059

Re: Buying Home Before Selling Home - Seeking Finance Input

A bridge loan is precisely what you need. If you are unfamiliar, this video offers an easy explanation:

https://youtu.be/BCxGgrsLgyc
by TinyElvis
Thu Jan 07, 2021 11:28 am
Forum: Personal Investments
Topic: When to sell options?
Replies: 10
Views: 666

Re: When to sell options?

EfficientInvestor wrote: Thu Jan 07, 2021 11:10 am But to more specifically to answer your question...
I always felt that I did not really quite understand options, but now I am sure of it. :-)
by TinyElvis
Wed Dec 09, 2020 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Using emergency fund to pay off 75k, 3% mortgage.
Replies: 51
Views: 3406

Re: Using emergency fund to pay off 75k, 3% mortgage.

It's not an "emergency fund" if you are going to use it to pay off your mortgage balance. Will you still have the funds to cover an emergency should one occur?

That being said, we paid our mortgage balance a few years ago and are very happy with that decision.
by TinyElvis
Wed Nov 18, 2020 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Unsolicited offer on real estate
Replies: 41
Views: 3940

Re: Unsolicited offer on real estate

Two neighbors on my street are there because they simply knocked on the door asked the prior owners if they were interested in selling. You would be surprised at what you find out. Two close friends of mine are in their house now because they knocked on the door and asked the prior owner to please c...
by TinyElvis
Wed Nov 04, 2020 12:06 pm
Forum: Personal Investments
Topic: Backdoor Roth Mechanics - is this right?
Replies: 13
Views: 833

Re: Backdoor Roth Mechanics - is this right?

Can I do this same thing by rolling over my entire IRA balance to my Simple IRA? IRS site says that is a valid rollover target but wanted to check here as well. Thanks. SIMPLE IRA is included as part of the pro-rata calculations, so I do not see a purpose in doing so; except for the reasons of simp...
by TinyElvis
Wed Nov 04, 2020 11:19 am
Forum: Personal Investments
Topic: Backdoor Roth Mechanics - is this right?
Replies: 13
Views: 833

Re: Backdoor Roth Mechanics - is this right?

Can I do this same thing by rolling over my entire IRA balance to my Simple IRA? IRS site says that is a valid rollover target but wanted to check here as well. Thanks.
by TinyElvis
Thu Oct 15, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in real estate - what is your opinion?
Replies: 53
Views: 4899

Re: Investing in real estate - what is your opinion?

Turnkey REI is a great idea if you are dealing with a reputable turnkey provider, so vet them thoroughly. That being said, the market is high right now so leveraged cashflow is hard to come by via turnkey provider. I would still recommend researching it and doing what is right for you. I find it amu...
by TinyElvis
Fri Sep 25, 2020 1:53 pm
Forum: Personal Consumer Issues
Topic: Adding a NAS Drive: Difficulty Level
Replies: 4
Views: 579

Re: Adding a NAS Drive: Difficulty Level

The complexity depends on how the storage pool is configured. Here is a Synology kbase on adding drives to an existing array:

https://www.synology.com/en-us/knowledg ... d_add_disk
by TinyElvis
Wed Sep 23, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: Microsoft One Drive Security
Replies: 3
Views: 485

Re: Microsoft One Drive Security

You can also utilize the "Personal Vault" feature of OneDrive. Without an Office365 subscription, you can add up to 3 files to it.
by TinyElvis
Mon Sep 21, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Investing - First Timer
Replies: 7
Views: 829

Re: Real Estate Investing - First Timer

Try www.biggerpockets.com. You'll get plenty of answers there and probably find others who have been in the same position as yourself.
by TinyElvis
Thu Sep 03, 2020 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 20
Views: 851

Re: Do I need life insurance?

No, you do not need life insurance. I would recommend disability insurance though.
by TinyElvis
Mon Aug 17, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Pour-Over Coffee maker
Replies: 39
Views: 2575

Re: Pour-Over Coffee maker

The Chemex filters were unavailable nationwide for the first few months of the COVID-19 crisis. When my supply ran out in early May, I placed an order but did not receive the filters until early August. I found my old Melitta and began using that for the first time in seven years. It worked, and I ...
by TinyElvis
Tue Jun 16, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 118
Views: 9200

Re: E-Bike recommendations

I surprised that no one has mentioned Super73:

https://super73.com/.

Of all the e-bikes, I think these look the coolest.
by TinyElvis
Fri May 22, 2020 10:59 pm
Forum: Personal Consumer Issues
Topic: 2018-19 SUVs
Replies: 9
Views: 907

Re: 2018-19 SUVs

Mazda CX5 would be my choice.
by TinyElvis
Thu Mar 19, 2020 8:49 am
Forum: Investing - Theory, News & General
Topic: For 50-55 Year olds/ What Are you thinking?
Replies: 46
Views: 5130

Re: For 50-55 Year olds/ What Are you thinking?

Already built my core spending bridge in CDs and TIPS to SS at 70. 60/40 Discretionary spending portfolio has taken a hit, but even at these levels a 3% withdrawal rate would still add more than enough to our core amount for a great retirement. While we have a decent emergency fund (4-5 years) in m...
by TinyElvis
Thu Mar 19, 2020 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Rent in the Time of Coronavirus
Replies: 78
Views: 3071

Re: Rent in the Time of Coronavirus

If real estate prices are really down 40% (not saying they are) then that's what I'd want to offer. If they're down 20%, then that's what I want to offer. It feels abrupt but that's the reality of markets... nobody asked me if I wanted Total Stock Index companies to be worth much less overnight! Ye...
by TinyElvis
Thu Mar 19, 2020 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Rent in the Time of Coronavirus
Replies: 78
Views: 3071

Re: Rent in the Time of Coronavirus

If real estate prices are really down 40% (not saying they are) then that's what I'd want to offer. If they're down 20%, then that's what I want to offer. It feels abrupt but that's the reality of markets... nobody asked me if I wanted Total Stock Index companies to be worth much less overnight! Ye...
by TinyElvis
Wed Mar 18, 2020 7:43 am
Forum: Investing - Theory, News & General
Topic: Updated 3/18 - "You can't hide in bonds" article
Replies: 183
Views: 10325

Re: "You can't hide in bonds" article

Am I worried? Yeah. Every $10,000 I have in Total Bond is down $60. Am I losing sleep because "my bonds are down, too ?" No. If I'd had it in Treasuries I could be up almost $300 instead of down $60. Am I consumed with envy of those in Treasurys, and roiled with self-loathing for being in...
by TinyElvis
Thu Mar 12, 2020 2:27 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 324574

Re: Coronavirus and the market

What reaction would you expect to a pandemic that is causing many deaths and that appears to be causing great damage to the global economy? One that was unheard of a couple of months ago and is accelerating at a rapid rate. My first thought definitely wasn't to liquidate my accounts, but that's jus...
by TinyElvis
Thu Mar 12, 2020 1:26 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 324574

Re: Coronavirus and the market

Lee_WSP wrote: Thu Mar 12, 2020 1:22 pm We're only down to January 2019 levels. It's really not that bad. Yet.
Looks June 2017 levels to me.
by TinyElvis
Thu Mar 12, 2020 1:21 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 324574

Re: Coronavirus and the market

So... should we just plan on being at Dow 0 in a few weeks? Something is fishy about this whole drop. This goes beyond being about the ability to handle risk. What is “fishy”? Care to explain ? 3 years gone in 3 weeks. Investors around the world selling equities in droves. Non-stop television cover...
by TinyElvis
Thu Mar 12, 2020 1:04 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 324574

Re: Coronavirus and the market

So... should we just plan on being at Dow 0 in a few weeks? Something is fishy about this whole drop. This goes beyond being about the ability to handle risk.
by TinyElvis
Thu Mar 12, 2020 8:31 am
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 14717

Re: How many people with 7 figure portfolios are”rejoicing ?”

No rejoicing here. Small business owner, 49 years old, 65/35 allocation. As someone else mentioned, it's not fun seeing value equivalent to a few years salary disappear in a few weeks.
by TinyElvis
Wed Mar 11, 2020 3:06 pm
Forum: Personal Investments
Topic: officially bear market ...
Replies: 77
Views: 7273

Re: officially bear market ...

A bear market seems like something that you "ease into" over a longer amount of time. This just seems like madness with no end in sight. I've always stayed the course during my investment lifetime but this is unsettling.
by TinyElvis
Tue Mar 10, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower recommendation
Replies: 71
Views: 2627

Re: Battery powered lawn mower recommendation

I, too, have the Echo mower (4 years) from Home Depot that was previously referenced and have been quite pleased with it. Highly recommended. I also recommend having the extra battery. It's rare that I cut my grass when wet, but when I have to the Echo has performed just fine. For those having issue...
by TinyElvis
Wed Feb 13, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff mortgage vs investing: Looking at the math
Replies: 35
Views: 3819

Re: Payoff mortgage vs investing: Looking at the math

I believe that when it comes to a mortgage pay-off you have to throw the math/logic part of the equation out the window and go with your gut feeling. "..does payoff mortgage or invest not make much of difference in the long run?" No, but paying off the mortgage is a guaranteed return. Folk...
by TinyElvis
Thu Feb 07, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Laptops - swapping hard drives
Replies: 18
Views: 897

Re: Laptops - swapping hard drives

cookieid wrote: Thu Feb 07, 2019 9:09 am Does MS Windows product key (license) tie to a motherboard, CPU, hard drive, etc.?
As of the Windows 10 Anniversary update a couple years back, your Windows license is tied to your Microsoft Account so changing hardware, drives, etc. is no longer an issue.
by TinyElvis
Mon Jan 14, 2019 2:55 pm
Forum: Personal Investments
Topic: Fidelity HSA spouse question
Replies: 12
Views: 945

Re: Fidelity HSA spouse question

RickBoglehead wrote: Mon Jan 14, 2019 2:52 pm I don't want a debit card. I want my HSA to grow and grow, and I'll stockpile the receipts for the future.
Yep, best advice there is for an HSA. Don't touch it unless you absolutely have to.
by TinyElvis
Mon Jan 14, 2019 11:23 am
Forum: Personal Investments
Topic: Fidelity HSA spouse question
Replies: 12
Views: 945

Re: Fidelity HSA spouse question

Interesting. I have a yet-to-be-funded HSA @ Fidelity as well but the option is available. It may be best to give them a quick call.
by TinyElvis
Mon Jan 14, 2019 8:58 am
Forum: Personal Investments
Topic: Fidelity HSA spouse question
Replies: 12
Views: 945

Re: Fidelity HSA spouse question

It is not sent by default. Under the "Manage Cash" tab, choose "Apply for Debit Card".
by TinyElvis
Mon Jan 14, 2019 8:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard Asset Mix Chart [Vanguard website shows incorrect asset allocation]
Replies: 16
Views: 1474

Re: Portfolio Watch Problem

livesoft wrote: Sun Jan 13, 2019 1:58 pm There is another thread on this topic today. If you can't find it, then please report back and I'll go find it for you.
FWIW, I looked for this topic yesterday but didn't locate one. I don't think that an "accidental" duplication of a topic is the worst sin that can be committed.
by TinyElvis
Mon Jan 14, 2019 8:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard Asset Mix Chart [Vanguard website shows incorrect asset allocation]
Replies: 16
Views: 1474

Re: Vanguard Asset Mix Chart [Vanguard website shows incorrect asset allocation]

Yeah, noticed this over the weekend. My wife's account is showing 74% uncategorized. :-\
by TinyElvis
Tue Dec 11, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 35
Views: 3179

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

I use f.lux to help control eye-strain and blue-light. It's a free download and works great (better than native apps in Win 10 and Apple IMHO). https://justgetflux.com/ "f.lux.. makes the color of your computer's display adapt to the time of day, warm at night and like sunlight during the day.&...
by TinyElvis
Tue Oct 16, 2018 1:36 pm
Forum: Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 15
Views: 1819

Re: Portfolio Review - Seeking Better Simplification

Thank you for the response and thought-provoking questions. :) Additionally, this portfolio does not appear to have a coherent plan. You are currently invested in both Growth and Value in a significant manner which seems counterintuitive to me. There is significant overlap and tilts toward large, mi...
by TinyElvis
Tue Oct 16, 2018 1:26 pm
Forum: Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 15
Views: 1819

Re: Portfolio Review - Seeking Better Simplification

Hi. Have you calculated the benefit of reduced expenses versus the tax cost in possibly selling the American Funds in your taxable account, as suggested by retiredjg ? Wiki article, "Paying a tax cost to switch funds" . That wiki article contains a spreadsheet you could use. "If you d...
by TinyElvis
Tue Oct 16, 2018 7:15 am
Forum: Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 15
Views: 1819

Re: Portfolio Review - Seeking Better Simplification

Hi. Are all of the accounts at Vanguard? How much are you contributing annually to the taxable account? I suggest using Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) instead of slicing and dicing international stocks. That could replace the international stock funds in his IRA...
by TinyElvis
Mon Oct 15, 2018 4:29 pm
Forum: Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 15
Views: 1819

Re: Portfolio Review - Seeking Better Simplification

I modified my original post to the recommended format in hopes of additional feedback. Thx.
by TinyElvis
Sat Oct 13, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 7880

Re: Anyone done a Hair Transplant?

[ quoted post removed by admin LadyGeek]

What were the side effects?