Bogleheads.org

TinyElvis

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. Folks tend to ...

TinyElvis

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.

TinyElvis

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.

TinyElvis

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.

TinyElvis

It is not sent by default. Under the "Manage Cash" tab, choose "Apply for Debit Card".

TinyElvis

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.

TinyElvis

Yeah, noticed this over the weekend. My wife's account is showing 74% uncategorized. :-\

TinyElvis

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."

TinyElvis

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...

TinyElvis

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 decide not to sw...

TinyElvis

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...

TinyElvis

I modified my original post to the recommended format in hopes of additional feedback. Thx.

TinyElvis

[ quoted post removed by admin LadyGeek]

What were the side effects?

TinyElvis

Which accounts are getting contributions each year? How much? Simple IRAs and HSAs are maxed each year. We cannot contribute to our Roth IRAs so I just invest in taxable (instead of non-deductible IRA contributions). I am trying to find a good Vanguard replacement(s) for the 4 non-VG funds in my re...

TinyElvis

Any additional feedback from the community? Or, should I crawl back into my hole?

TinyElvis

Thank you for the input. Excluding the American Funds, I would like to try and get the rest down to 3 or 4 funds. I've been following the bond and TIPS threads which have made me somewhat hesitant go simplify down to the Total Bond Fund. I feel like I *need* TIPS instead of (or a companion) to the b...

TinyElvis

Hi all. In 2015, I moved away from UBS and transferred to Vanguard (with the help of the fine folks on this board). I used a local fee-only financial adviser who helped me put together my portfolio and have engaged his services each year to adjust as needed. I'm at a point where I am getting comfort...

TinyElvis

I am in the Nashville area. My financial planner charges $275 per hour. We review my portfolio annually.

TinyElvis

From the user guide 'Troubleshooting Section': "Motor Seems to Run too Much: Your new refrigerator has an energy-efficient motor - The refrigerator may run longer than you’re used to, because the compressor and fans operate at lower speeds that are more energy-efficient. This is normal." "Refrigerat...

TinyElvis

As everyone else has said, do the SSD. I've purchased from Crucial quite a few times for SSDs and memory. They have a nice search to find compatible parts based on your make and model:

http://www.crucial.com

TinyElvis

+1 for ignoring the high-pressure sales tactic.

Unless you are hosting a media server (accessed externally) or a web site, I doubt that you need 50 upstream as well.

TinyElvis

HMOs are quite expensive. Assuming you are healthy, I would guess that you don't use your insurance often enough to warrant the cost. Instead of throwing that money away at a premium payment each month, throw the money in your wallet (HSA). Invest the annual maximum in your HSA and pay out of pocket...

TinyElvis

I consider my real estate holdings an equity substitute when doing my overall allocation.

TinyElvis

Plus, psychologically, I desire to simplify my finances and I desire to have the peace of mind of a paid off home. I am leaning toward this option. Would I be making a big mistake? It's not a mistake. Don't overthink it. I over-thought it for over a year and finally paid off my $180K mortgage balan...

TinyElvis

I wish more internet sites were plain text like the Bogleheads landing page.

The Drudge Report is one of the most visited sites on the interwebs and it is also plain text: easy to read and quick to load.

TinyElvis

No issues here for both our home and business PCs.

TinyElvis

Seem to have good look with Banana Republic suits. They are modern, but most of them aren't overly trendy. I wouldn't pay full price, as they very often have 30 - 40% of sales. They have multiple stores in Seattle, but may or may not have an onsite tailor. I have good luck with most of their clothe...

TinyElvis

I read the first edition of this and found it to be an excellent resource. Building Wealth One House at a Time https://www.amazon.com/Building-Wealth-Updated-Expanded-Second/dp/1259643883/ref=sr_1_1?s=books&ie=UTF8&qid=1525274201&sr=1-1&keywords=building+wealth+one+house+at+a+time I've not read the ...

TinyElvis

I know some of you use your HSA as another retirement account and set your AA across all of your investment accounts. But for those that use their HSA for their family's medical expenses what investments and AA do you choose. I was thinking just to own the Vanguard 500 and my deductible will be hel...

TinyElvis

This book "Stop the 401k Rip Off" was very enlightening. It helped me to get everyone on board for switching at my old company.

https://www.amazon.com/Stop-401-Rip-off ... 1934454079

TinyElvis

I have found Krud Kutter concrete cleaner and degreaser to work well. You can get at Home Depot.

TinyElvis

Permit at 15, driving at 16.

Driving = freedom and freedom = learning responsibility. There's a good incentive right there.

Let your son become a man.

TinyElvis

NotWhoYouThink wrote: ↑
Wed Apr 04, 2018 7:26 am
Now that you have driven the Camry, try a Mazda. It's not a BMW, but it's less boring than a Camry, and quite reliable.

My 2004 Mazda3 hatchback still has the zoom zoom. The new ones look very sharp and are very reasonably priced.

TinyElvis

Folks, 1. Do you invest in Real Estate ? 2. If yes, Why do you invest ? Cash Flow vs 3-Fund-Portfolio ? 3. If not, Why not ? I'll appreciate if you please share any real experiences; My Financial Advisor advised me to consider Real Estate investments for Cash Flow diversification. 1. Yes. I own sin...

TinyElvis

Hi, My wife and I spend ~$1,200 or so each month for groceries, and there's only two of us. It's the only large item on our budget except for rent. ... Question is this -- do those of you very health conscious folks spend this much? I'm worried to already be at this level and not even yet have kids...

TinyElvis

Nate79 wrote: ↑
Thu Mar 15, 2018 10:25 am
You could even take that cash and actually buy a good cash flow positive rental in many parts of the country since you are already using a management company.

This!

TinyElvis

bloom2708 wrote: ↑
Thu Mar 15, 2018 10:17 am
We have: Checking, Emergency, Taxes, Vacations and Cars as separate funds.

You have different bank accounts for each, or...?

TinyElvis

carolinaman wrote: ↑
Wed Mar 14, 2018 7:35 am
Also, I can reduce my liability coverage on my auto and homeowner's policies because of my umbrella policy, which reduces those premiums. Cheap insurance.

May I ask with whom you have your umbrella policy?

I had to max out my auto liability before I could get an umbrella policy. :-\

TinyElvis

Raw land is one of the worse investments on the planet (exaggeration :shock: kidding). Because: It has the lowest rate of property appreciation and predictability compared to improved lots (built on). It does not earn money (unless you rent it out for some type of use). It costs money to own (insur...

TinyElvis

Lauretta wrote: ↑
Thu Feb 08, 2018 2:57 pm
About one year ago I invested quite a large sum of money in stocks over a few month period. Now I am seeing the gains being rapidly wiped out and I fear that I will soon begin to see some losses.

What did you invest in? My gains for the past year are nowhere close to being "wiped out".

TinyElvis

Another thing to consider is the emotional aspect as you can crunch numbers 'til your head spins. I like to keep is simple: Is this your "forever home"? If you have found the place where you plan to live out the rest of your life, then why not buy it outright? I don't mean to sound like Dave Ramsey,...

TinyElvis

Thanks. I need to pick a better time of day (when my mind is working) to manage my finances.

TinyElvis

Good evening. For some reason I cannot get my brain to work tonight. According to the Vanguard Portfolio Analysis, stocks make up 76.8% of all portfolios. This is then broken down as such: 76.4% - US Stock 23.6% - International Stocks At the bottom of the page, it states that International Stock and...

TinyElvis

My 2004 Mazda 3 is quite sporty, has been very dependable, and cost much less.

TinyElvis

Not to sound mean, but I'm not sure there are enough words to describe what a horrible idea this is. Do not, under any circumstances, make this purchase. It is pointless and a complete waste of money. Buy assets - not doodads (to quote Rich Dad, Poor Dad).

TinyElvis

Kosmo wrote:The Human Fund. Money for People.

"It has a certain understated stupidity."

TinyElvis

In my case (retired) a paid off mortgage equates to improved cash flow and I consider cash flow to be the main measure of my financial well being. Exactly. With one's primary debt (usually) paid off, it frees one up to be more aggressive as well and getting (hopefully) higher returns over the long ...

TinyElvis

pkcrafter wrote:Even if you have transfer authority it doesn't help if you can't talk to someone.

Yes!

TinyElvis

She is/was a professor so it's a CALSTRS pension that we are moving. Perhaps we had missed a step - that is what I was trying to find out last night to no avail. Has Calstrs been contacted? Is a lump sum benefit available from Calstrs? I would suspect that the delay might be with them rather than V...

TinyElvis

She is/was a professor so it's a CALSTRS pension that we are moving. That only took 2 pages of posts to pry that information out of you. ;) I'm sure you see no irony in my comment. I actually had to sign the CALSTRS document as well as that is how California works (glad to be out of that state). So...

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