Search found 192 matches

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: 3630

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. Folks tend to ...
by TinyElvis
Thu Feb 07, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Laptops - swapping hard drives
Replies: 18
Views: 827

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: 734

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: 734

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: 734

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: 1306

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: 1306

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: 2789

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: 1715

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: 1715

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 decide not to sw...
by TinyElvis
Tue Oct 16, 2018 7:15 am
Forum: Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 15
Views: 1715

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: 1715

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: 7090

Re: Anyone done a Hair Transplant?

[ quoted post removed by admin LadyGeek]

What were the side effects?
by TinyElvis
Fri Oct 05, 2018 8:42 am
Forum: Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 15
Views: 1715

Re: Portfolio Review - Seeking Better Simplification

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...
by TinyElvis
Fri Oct 05, 2018 7:44 am
Forum: Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 15
Views: 1715

Re: Portfolio Review - Seeking Better Simplification

Any additional feedback from the community? Or, should I crawl back into my hole? ;-)
by TinyElvis
Thu Oct 04, 2018 7:51 am
Forum: Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 15
Views: 1715

Re: Portfolio Review - Seeking Better Simplification

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...
by TinyElvis
Wed Oct 03, 2018 12:34 pm
Forum: Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 15
Views: 1715

Portfolio Review - Seeking Better Simplification

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...
by TinyElvis
Tue Sep 18, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable fee charged by financial planners?
Replies: 30
Views: 2353

Re: What is a reasonable fee charged by financial planners?

I am in the Nashville area. My financial planner charges $275 per hour. We review my portfolio annually.
by TinyElvis
Sat Jun 16, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: New refrigerator issues
Replies: 18
Views: 3832

Re: New refrigerator issues

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...
by TinyElvis
Wed Jun 06, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 4617

Re: Upgrade to SSD for 5-year old desktop?

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
by TinyElvis
Mon Jun 04, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Do you think I need FIOS Quantum Gateway router with 940Mbps speed?
Replies: 29
Views: 7420

Re: Do you think I need FIOS Quantum Gateway router with 940Mbps speed?

+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.
by TinyElvis
Mon Jun 04, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Should I use an HSA?
Replies: 15
Views: 1935

Re: Should I use an HSA?

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...
by TinyElvis
Fri May 25, 2018 7:59 am
Forum: Personal Investments
Topic: Three fund portfolio minus bonds
Replies: 6
Views: 1053

Re: Three fund portfolio minus bonds

I consider my real estate holdings an equity substitute when doing my overall allocation.
by TinyElvis
Thu May 24, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 19457

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

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...
by TinyElvis
Mon May 14, 2018 7:41 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 17960

Re: The front page is ugly

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.
by TinyElvis
Fri May 04, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 131
Views: 18420

Re: Warning: avoid Windows 10 update 1803

No issues here for both our home and business PCs.
by TinyElvis
Wed May 02, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Suit for a traveling man, probably not bespoke
Replies: 15
Views: 2081

Re: Suit for a traveling man, probably not bespoke

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...
by TinyElvis
Wed May 02, 2018 10:17 am
Forum: Personal Investments
Topic: How and when to save for real estate
Replies: 12
Views: 1956

Re: How and when to save for real estate

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 ...
by TinyElvis
Mon Apr 23, 2018 2:36 pm
Forum: Personal Investments
Topic: AA for HSA used for medical expenses
Replies: 7
Views: 707

Re: AA for HSA used for medical expenses

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...
by TinyElvis
Wed Apr 18, 2018 1:25 pm
Forum: Personal Investments
Topic: 401k Administrative Fees
Replies: 6
Views: 883

Re: 401k Administrative Fees

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
by TinyElvis
Mon Apr 16, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Removing oil stains on garage floor
Replies: 10
Views: 1543

Re: Removing oil stains on garage floor

I have found Krud Kutter concrete cleaner and degreaser to work well. You can get at Home Depot.
by TinyElvis
Tue Apr 10, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 3097

Re: Driver's permit before 18 - Any financial incentive

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.
by TinyElvis
Wed Apr 04, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 8309

Re: 2018 Camry. What's wrong with me?

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.
by TinyElvis
Sun Apr 01, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 145
Views: 20208

Re: Do you invest in Real Estate ? Why ?

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...
by TinyElvis
Wed Mar 28, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 18682

Re: Healthy eaters -- is this grocery budget normal to you?

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...
by TinyElvis
Thu Mar 15, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice Rental Property -- Rent not covering PITI
Replies: 18
Views: 2066

Re: Need Advice Rental Property -- Rent not covering PITI

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!
by TinyElvis
Thu Mar 15, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Recommended savings ‘Buckets’?
Replies: 30
Views: 3277

Re: Recommended savings ‘Buckets’?

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...?
by TinyElvis
Wed Mar 14, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance
Replies: 16
Views: 2326

Re: Umbrella Insurance

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. :-\
by TinyElvis
Sun Mar 11, 2018 1:29 pm
Forum: Personal Investments
Topic: Buying a plot of land for retirement
Replies: 35
Views: 4539

Re: Buying a plot of land for retirement

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...
by TinyElvis
Thu Feb 08, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 99
Views: 12129

Re: How to deal with regret

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".
by TinyElvis
Mon Jan 29, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another "cash v. mortgage" question
Replies: 20
Views: 2519

Re: Yet another "cash v. mortgage" question

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,...
by TinyElvis
Mon Jan 11, 2016 10:43 am
Forum: Investing - Theory, News & General
Topic: Elementary Question
Replies: 3
Views: 737

Re: Elementary Question

Thanks. I need to pick a better time of day (when my mind is working) to manage my finances. :oops:
by TinyElvis
Sun Jan 10, 2016 11:19 pm
Forum: Investing - Theory, News & General
Topic: Elementary Question
Replies: 3
Views: 737

Elementary Question

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...
by TinyElvis
Tue Dec 15, 2015 4:47 pm
Forum: Personal Investments
Topic: Can I afford a BMW i8 priced at ~150k?
Replies: 64
Views: 13121

Re: Can I afford a BMW i8 priced at ~150k?

My 2004 Mazda 3 is quite sporty, has been very dependable, and cost much less. :)
by TinyElvis
Tue Dec 15, 2015 3:01 pm
Forum: Personal Investments
Topic: Can I afford a BMW i8 priced at ~150k?
Replies: 64
Views: 13121

Re: Can I afford a BMW i8 priced at ~150k?

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).
by TinyElvis
Mon Dec 14, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: Christmas Time : How to not appear rude
Replies: 67
Views: 10447

Re: Christmas Time : How to not appear rude

Kosmo wrote:The Human Fund. Money for People.
"It has a certain understated stupidity." :-)
by TinyElvis
Thu Dec 10, 2015 3:40 pm
Forum: Investing - Theory, News & General
Topic: The Real Value of Paying Off a Mortgage Early
Replies: 56
Views: 9290

Re: The Real Value of Paying Off a Mortgage Early

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 ...
by TinyElvis
Thu Dec 10, 2015 3:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Issues
Replies: 102
Views: 13672

Re: Vanguard Customer Service Issues

pkcrafter wrote:Even if you have transfer authority it doesn't help if you can't talk to someone.
Yes! :beer
by TinyElvis
Thu Dec 10, 2015 3:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Issues
Replies: 102
Views: 13672

Re: Vanguard Customer Service Issues

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...
by TinyElvis
Thu Dec 10, 2015 3:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Issues
Replies: 102
Views: 13672

Re: Vanguard Customer Service Issues

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...