Search found 521 matches

by epictetus
Sun Jan 13, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Company relocating and not interested - next steps ?
Replies: 48
Views: 3678

Re: Company relocating and not interested - next steps ?

it sounds like you might receive a lot of money if you wait until the end (multiple 6 figures your note indicated). and if you get another job before the end and resign you won't get the payoff you would get if you waited until the end. and it sounds like you really don't want to move. if you are su...
by epictetus
Mon Jan 07, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: Reasons to own Vanguard ETFs over Admiral shares?
Replies: 66
Views: 4490

Re: Reasons to own Vanguard ETFs over Admiral shares?

if you have a Vanguard account I think it makes perfect sense to hold a Vanguard mutual fund v. a Vanguard ETF.

If you don't have a Vanguard account, the ETF can be a nice option that allows you to buy a Vanguard product at a non-Vanguard brokerage.
by epictetus
Sat Jan 05, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 74
Views: 3885

Re: 11 days in Europe...Budget and logistical advice please

there is a lot of great information on Rick Steves' website: https://www.ricksteves.com/ you can watch his TV shows on different cities/countries from there, look at what he suggests re: how much time to spend in different places, what to see etc. In the "TV" section of the site were several shows s...
by epictetus
Tue Jan 01, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Booking an international trip
Replies: 10
Views: 795

Re: Booking an international trip

Globus Journeys is a tour company that has been around a long time and has lots of options. we have traveled with them several times and always go back to them because of our experiences with them. very easy to work with. here is a link to their page re: Asia tours: https://www.globusjourneys.com/Va...
by epictetus
Sun Dec 23, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)
Replies: 21
Views: 1842

Re: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)

i have posted links below from the occupational outlook handbook on social worker and mental health counselors: https://www.bls.gov/ooh/community-and-social-service/social-workers.htm https://www.bls.gov/ooh/community-and-social-service/substance-abuse-behavioral-disorder-and-mental-health-counselor...
by epictetus
Fri Dec 21, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Stick with Fidelity or open Vanguard account?
Replies: 34
Views: 1650

Re: Stick with Fidelity or open Vanguard account?

another option is to by VTI (the vanguard etf) in your Fidelity taxable account. I think it costs $4.95/trade.

as others have mentioned you can buy ITOT at Fidelity without a fee.
by epictetus
Mon Dec 17, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help a dummy TLH...
Replies: 41
Views: 1763

Re: Help a dummy TLH...

is IVV available commission-free at Fidelity? it is the Ishares 500 index etf.
just a thought
by epictetus
Sun Dec 09, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: ITOT $60, VTI $134 [iShares Total US vs. Vanguard Total Market]
Replies: 16
Views: 1357

Re: ITOT $60, VTI $134

if your taxable acct is at Vanguard, you could just buy Vanguard's total market index fund. has the same tax efficiency as the ETF (VTI).
by epictetus
Mon Dec 03, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Picks from Fidelity 401k
Replies: 6
Views: 393

Re: Fund Picks from Fidelity 401k

you have great options in that plan

I would suggest one of the Vanguard Target Date funds. If not that then the individual index funds mentioned by others.

congratulations on having such a great plan
by epictetus
Tue Nov 27, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 63
Views: 6044

Re: Why is the Honda Fit so hard to find?

have you looked at a Prius C? i think size/storage wise it would be similar to the Fit.
by epictetus
Fri Nov 23, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5559

Re: New TV Recommendations Please?

go with your wife to Costco and buy one that she likes
:happy
by epictetus
Mon Nov 19, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 2909

Re: Time to buy/lease an electric or hybrid?

have you considered the Prius C?
by epictetus
Tue Nov 13, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19906

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

would suggest lowering stock allocation to more comfortable level and staying there. Age in bonds, 50/50, or whatever you can stay with for the long haul. would suggest reducing the number of holdings and simplifying would suggest consideration of a balanced fund would suggest putting X amount of mo...
by epictetus
Mon Nov 05, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 122
Views: 18263

Re: Are we in trouble?

if your spouse is happy in a stable job and you are unhappy in the new job one thought is to make decisions re: what you can afford re: housing based on just your spouse's income. and not making it a stretch on his/her income. if you are unhappy already in your new job would encourage you not to inc...
by epictetus
Sat Nov 03, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Which Prius or something else?
Replies: 25
Views: 1637

Re: Which Prius or something else?

Prius C has good visibility and does not have a center console between the front seats. It does have the gear shift on the floor if that is what you mean by center console.
by epictetus
Sat Oct 27, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to exit out of the Stock Market?
Replies: 58
Views: 6265

Re: How to exit out of the Stock Market?

if you want to move out of a more volatile stock index etf/fund into something less volatile you have several options: 1. bond funds/etf 2. CDs 3. online savings accounts 4. money market funds all of them would have much less volatility/risk of loss that the stock index etf/fund selling the stock et...
by epictetus
Sun Oct 21, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Globus Journeys - tour group
Replies: 8
Views: 616

Re: Globus Journeys - tour group

we have taken many trips with them and they have all been good. we will use them again when we travel again.
by epictetus
Fri Oct 12, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Electric Lawn Mower Advice
Replies: 17
Views: 1031

Re: Electric Lawn Mower Advice

I bought a Kobalt (Lowe's product) electric mower early this year. It came with 2 batteries. I have a 1/2 acre yard. I ended up buying a third battery so I would not have down time when mowing waiting on a battery to charge. I went with Kobalt v. Ego b/c it has a true side discharge (versus discharg...
by epictetus
Fri Sep 21, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6841

Re: My Very First Smartphone — Please Critique This Plan

since you are familiar with Tracfone you could just buy a smartphone and continue using Tracfone. we recently bought a new smartphone from Tracfone for right at $100.
by epictetus
Thu Sep 20, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Would Stop Orders with ETFs protect against a downturn?
Replies: 21
Views: 1328

Re: Would Stop Orders with ETFs protect against a downturn?

i would suggest considering a balanced fund/fund of funds and let them do the rebalancing for you.
there are several options at Vanguard

or consider the 3 fund portfolio

the more boring your investing plan is the better :-)
by epictetus
Tue Sep 18, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: How to tell if computer update notice is legit
Replies: 8
Views: 1196

Re: How to tell if computer update notice is legit

if you go to bottom right hand corner and right-click you will see an option to turn off notifications.

i recently bought a new Dell laptop and spent the first day or two primarily turning off things (like Cortana on Windows 10) and notifications from Dell as well as uninstalling McAfee.
by epictetus
Mon Sep 03, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: To pay of mortgage or not to? Help
Replies: 19
Views: 1199

Re: To pay of mortgage or not to? Help

if you invest it and the market goes down by 50% over the next year and stays there awhile will you be ok with your choice? some people would and some would not.

I would pay off the mortgage. you will still have a lot to invest and you can then start putting away a lot each month.
by epictetus
Sat Aug 04, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 3352

Re: USPS Informed Delivery

i had the same experience and it was b/c of the credit freeze.
i went in person to post office after it didn't work online and it was a very easy process there.
by epictetus
Sun Jul 29, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Pay Off...best method?
Replies: 23
Views: 3074

Re: Mortgage Pay Off...best method?

I would suggest going to the branch and writing them a check. They can look at it and make sure it looks ok and all is in order and you can ask any questions you might have.
by epictetus
Mon Jun 11, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 57
Views: 5388

Re: Water heater installation situation

could you cancel your purchase from HOme Depot and find a plumber you know/someone else could recommend who is more interested in figuring out the problem and ways to approach the situation that this person is? i would think a plumber in your area would be well-versed in the different options that m...
by epictetus
Sun Jun 03, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 7184

Re: Need advice on 1st international vacation

i would suggest taking a look at Rick Steves' website as well as his books for general travel ideas as well as specific itineraries for different countries. he has various plans (if you have X days in country y do this). another option is to look into traveling with a tour group. there are pros/cons...
by epictetus
Tue May 29, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: 13-year old Civic. Replace, or keep sinking money into it?
Replies: 52
Views: 4614

Re: 13-year old Civic. Replace, or keep sinking money into it?

the overheating issue is what would decide it for me esp. since you have tried lots of things already that haven't worked.

if it is cracked head gasket or head that will be expensive repair.
by epictetus
Mon May 28, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Two fund portfolio- no bonds??
Replies: 22
Views: 2394

Re: Two fund portfolio- no bonds??

would you be able to tolerate a 50% reduction in the value of your accounts?
if so you are probably good. if not might consider adding some bonds.
by epictetus
Mon May 21, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me rationalise this 401k investment choice
Replies: 23
Views: 1563

Re: Please help me rationalise this 401k investment choice

if you haven't done so i would suggest reading John Bogle's "Little book of common sense investing."
by epictetus
Sun May 20, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 8781

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

you have my deepest sympathy. you have definitely come to the right place re: asking questions and figuring out what to do. i would encourage you to decide not to make any major decision or take any major action re: what to do with this money for 6 months. given all that you have been through it wou...
by epictetus
Sat May 12, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Looking to finally invest - Admiral shares or ETFs?
Replies: 10
Views: 1103

Re: Help! Looking to finally invest - Admiral shares or ETFs?

i think it is smart to make sure the allocation you set is not too aggressive. if the stock market goes down by 50% over the next 6-12 months and stays there for a while would you be able to stay with your allocation? whatever percent you put in stocks (say 70%) you have to be willing to see that go...
by epictetus
Sun May 06, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 20
Views: 1677

Re: Tea supplier comparison

My wife enjoys tea from Marketspice in Seattle https://www.marketspice.com/ she likes their Signature tea (Everything cinnamon- orange) they have lots of options. we order directly from them. some of their products are available through Amazon but we have found they are not as fresh as ordering dire...
by epictetus
Sat Apr 14, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 12571

Re: Mid-40s in tech - how to pass off as acceptably young

I would encourage you to focus on what you bring to the position. Emphasize how your knowledge/experiences help the company achieve what they are trying to achieve. You have something to offer them. It seems like your focus is how can you can contort yourself to give them what you think they might w...
by epictetus
Sat Apr 14, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Which fidelity funds?
Replies: 29
Views: 3175

Re: Which fidelity funds?

it sounds like you are in wonderful shape to do taxable investing since you are keeping expenses low, being able to live on one income, etc. I would encourage you to figure out your asset allocation. Re: buying various mutual funds- unless you are consciously tilting to small cap stocks or value sto...
by epictetus
Fri Apr 13, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Which fidelity funds?
Replies: 29
Views: 3175

Re: Which fidelity funds?

would encourage you to pause now, do some reading/research, and get a plan in place.

the mutual fund buying should be the last step in the process.
by epictetus
Sat Apr 07, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 4665

Re: How often do you replace your office shoes?

I wear SAS shoes to work (San Antonio Shoes).

I alternate between 2 pair (one on M,W, F the other on Tu/Th)

They last for many, many years before they need to be replaced.
by epictetus
Wed Apr 04, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy to Consider Relocating 5 Months after Buying a House?
Replies: 28
Views: 3433

Re: Am I Crazy to Consider Relocating 5 Months after Buying a House?

15,000 is only 5% of a house valued at 300,000

i would not let that be a factor at all in making the decision.
by epictetus
Sat Mar 31, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Bond Safety
Replies: 15
Views: 1811

Re: Savings Bond Safety

i wrote treasury direct re: this years ago and they confirmed that if the money in the account was stolen it would be my liability and not theirs. it concerned me enough that i sold all my treasury direct savings bonds and only have paper savings bonds now. Mel also talked about this a lot a few yea...
by epictetus
Sat Mar 31, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to trade car with my friend. Need bogleheads' wisdom
Replies: 22
Views: 2318

Re: Planning to trade car with my friend. Need bogleheads' wisdom

how much would you lose if you cancelled the deal now?
by epictetus
Sun Mar 25, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Protecting principal with no risk: seeking validation Im not crazy or stupid
Replies: 31
Views: 4037

Re: Protecting principal with no risk: seeking validation Im not crazy or stupid

if you could decide on some mechanical way to allocate between stock/bonds that might help. some consider age in bonds conservative. or you could decide you wanted to be age plus 10 or 20 in bonds. that helps give a mechanical way to think about allocation and you are adjusting to more conservative ...
by epictetus
Sat Feb 17, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 3754

Re: Cell phone service

depending on your usage you might look into Tracfone.

we have used them for years and it works well.

we don't use our cell phones much
by epictetus
Sun Feb 11, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 9127

Re: Does it ever make sense to buy a new car?

i agree with the poster who said:
buy new
buy cheap
buy reliable
keep for a long time (until significant problems develop)

with toyotas and hondas i think buying used is not the way to go as a rule.
by epictetus
Fri Feb 09, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: Does Anyone Know Anything?
Replies: 36
Views: 4098

Re: Does Anyone Knows Anything?

I read this somewhere, liked it, and thought it might fit in here: When you get a Bachelor's degree you think you know everything. When you get a Master's degree you realize you don't know anything but you think someone else does. When you get a Doctoral degree you realize nobody knows anything. Als...
by epictetus
Thu Feb 01, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 7527

Re: Finally going to invest, brother is FA

I would suggest reading John Bogle's "Little book of common sense investing."
It is really eye-opening re: the impact fees have over the long run.
by epictetus
Sun Jan 28, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for an emergency cell phone to keep in car....
Replies: 35
Views: 2641

Re: Looking for an emergency cell phone to keep in car....

Tracfone has an option to buy 365 days of coverage with X minutes (I forget how many). The cost is right at $100. As long as you renew before the year is up the unused minutes will go forward. I have been using a Tracfone for years for the same purpose you are describing (as an emergency back-up pho...
by epictetus
Sun Jan 21, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 82
Views: 6800

Re: Should I buy a business or suck it up at a job(s) with a pension.

i am thinking it would be less than 8 years if you are 48 now and all the benefits are available at 55? i would definitely vote for staying put. 55 will be here soon and then you and your wife are set for the rest of your lives. you and your wife have done an amazing job so far. don't stop running t...
by epictetus
Sun Jan 21, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Question with vanguard allocation
Replies: 53
Views: 2722

Re: Question with vanguard allocation

the moderate growth lifestrategy fund would probably be ideal for you. one decision. one fund. wonderful diversification. low cost. buy it. that's it. you are done it sounds like you are trying to talk yourself into being more aggressive than you really are re: stock allocation. if you have 80% in s...
by epictetus
Sun Jan 21, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Mistakes made regarding my credit profile
Replies: 4
Views: 1189

Re: Mistakes made regarding my credit profile

sounds like you are making great progress to me!! you are cleaning-up/simplifying your credit cards and paying off debt early. i would encourage you, while you are cleaning up, to consider going ahead and closing cards/accounts you don't want and open the one you do want. as soon as you open that on...