Search found 586 matches

by epictetus
Fri Aug 14, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Preventive Car Maintenance for my 22 year old car
Replies: 13
Views: 827

Re: Preventive Car Maintenance for my 22 year old car

rent a car and enjoy the trip v. worrying re: your car breaking down
by epictetus
Sat Aug 08, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: Silver: The Forgotten Precious Metal?
Replies: 88
Views: 4739

Re: Silver: The Forgotten Precious Metal?

the Permanent Portfolio Mutual Fund holds silver, swiss francs, etc.

it is my understanding the original/Harry Browne permanent portfolio did not hold silver.
by epictetus
Fri Jul 24, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Troubleshoot leak under kitchen sink
Replies: 20
Views: 1115

Re: Troubleshoot leak under kitchen sink

we have had 2 leaks like that: 1. where the hose from the dishwasher connects to the garbage disposal. we replaced that hose. i thought later probably could have just cut a couple of inches off the end of the hose that connected to the garbage disposal and used the same hose. 2. there is a rubber ga...
by epictetus
Thu Jul 23, 2020 5:53 pm
Forum: Personal Consumer Issues
Topic: Mortgage broker won't lock the rate
Replies: 21
Views: 1568

Re: Mortgage broker won't lock the rate

if you have it in writing (an email) from him would that not count as a written guarantee?
by epictetus
Sun Jul 05, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Reassessing the frugal emergency fund
Replies: 17
Views: 2133

Re: Reassessing the frugal emergency fund

do what makes sense to you.

if you want to double or triple your emergency fund that is fine. if having that cushion helps you navigate unexpected events better there is no problem.

there are lots of ways of doing things that are ok.
by epictetus
Sat Jul 04, 2020 2:44 pm
Forum: Personal Investments
Topic: ITOT vs VTI vs FSKAX vs FZROX vs VTSAX for a Fidelity Brokerage
Replies: 43
Views: 2264

Re: ITOT vs VTI vs FSKAX vs FZROX vs VTSAX for a Fidelity Brokerage

i would go with vti. that way you are buying a vanguard product. and that is what i did in same situation you are in (Fidelity brokerage account). and that is what i did even though i would rather use a MF than ETF so i could do scheduled purchases automatically. that is one drawback at this point w...
by epictetus
Fri Jul 03, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use paid product or services in your investment process and why?
Replies: 10
Views: 469

Re: Does anyone use paid product or services in your investment process and why?

if you could find a fund-of-funds fund or two that you were comfortable with you could buy them and they would do the re-balancing for you
by epictetus
Sat Jun 20, 2020 4:52 pm
Forum: Personal Investments
Topic: PAS advisor portfolio [Why did they setup my accounts like this?]
Replies: 184
Views: 8714

Re: PAS advisor portfolio

if you could find one of the all-in-one funds you were comfortable with and buy it everywhere you would be set.

if you buy a Target Date fund it will become increasingly conservative over time.

if you buy a Lifestrategy Fund it will maintain the same asset allocation over time.
by epictetus
Sun May 31, 2020 12:32 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity Large Cap Growth Mutual Fund
Replies: 20
Views: 1113

Re: Vanguard vs. Fidelity Large Cap Growth Mutual Fund

choose the fund with the lowest expense ratio.

better yet, just choose a total market index fund or S&P 500 index fund.
by epictetus
Tue May 26, 2020 6:32 pm
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 40
Views: 2197

Re: How to avoid tinkering?

post deleted
by epictetus
Fri May 22, 2020 6:49 pm
Forum: Personal Investments
Topic: One Fidelity Fund Only - Possible?
Replies: 24
Views: 2505

Re: One Fidelity Fund Only - Possible?

there are Fidelity Freedom Index Funds (different than the Fidelity Freedom Funds) that are funds that include stocks, bonds, etc., in one fund. if you found one that fit your desired allocation that might be something to consider. the expense ratios will be much lower than the Puritan or Balanced f...
by epictetus
Sat May 16, 2020 9:02 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10788

Re: Please tell me I'm not crazy

i think you made the right move. would also encourage you to work toward having at least 1 year's worth of expenses in cash/online savings account/etc. and with a spouse and 2 children maybe 2 year's worth of expenses in cash/online savings account/CD/etc when the world feels like it is coming apart...
by epictetus
Sun May 03, 2020 12:53 pm
Forum: Personal Investments
Topic: Help rebalancing
Replies: 42
Views: 2249

Re: Help rebalancing

instead of trying to get some certainty on this one move i would encourage you to slow down and develop a plan as a whole for all accounts. i think once you collect your information, post your portfolio here, get help in coming up with an overall all asset allocation plan, etc. it will be much easie...
by epictetus
Sat Apr 25, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: DIY Auto Detailing Products
Replies: 29
Views: 1489

Re: DIY Auto Detailing Products

Turtle Wax Car Wash
Turtle Wax Ice Spray Wax
by epictetus
Sat Apr 25, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: DD's apartment complex requires renters insurance
Replies: 50
Views: 2111

Re: DD's apartment complex requires renters insurance

she signed a legal agreement indicating she knows it is required.
it is not expensive.
it provides some protection to her.

when we rented we always had it.
by epictetus
Fri Apr 24, 2020 5:51 pm
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11700

Re: Poor Publix employee seeking 401k investment advice

i would encourage you to consider looking into educational options you might be interested in such as technical school/training, a community college, etc. your post is very well laid out and very thoughtful. i think you are selling yourself short in thinking you don't have other options. if you don'...
by epictetus
Sat Apr 18, 2020 5:00 pm
Forum: Personal Investments
Topic: issues with Marcus website?
Replies: 12
Views: 715

Re: issues with Marcus website?

if you are open to it you might try Discover Bank Online or Barclay's Bank online.
by epictetus
Sun Apr 12, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Make Changes to Car Insurance? Not Driving Much Anymore
Replies: 8
Views: 482

Re: Make Changes to Car Insurance? Not Driving Much Anymore

how much are you hoping to save? how much is possible to save?
i am thinking it might be a fair amount of work/hassle for not much reward
by epictetus
Sat Apr 11, 2020 1:22 pm
Forum: Investing - Theory, News & General
Topic: Am I being dumb ["standing and doing nothing"]?
Replies: 43
Views: 4019

Re: Am I being dumb ["standing and doing nothing"]?

being "dumb" or knowing you are "dumb" in regards to investing is often the smartest thing you can do :happy

i rebalance once a year.
by epictetus
Tue Apr 07, 2020 5:04 pm
Forum: Personal Investments
Topic: Going DIY First Post - Suggestions on Rollover IRA AA
Replies: 8
Views: 393

Re: Going DIY First Post - Suggestions on Rollover IRA AA

3 things to think of are the:
1. need to take risk
2. ability to take risk
3. willingness to take risk

it sounds like you don't have the need to but do have the ability to.
by epictetus
Mon Apr 06, 2020 5:18 pm
Forum: Personal Investments
Topic: Going DIY First Post - Suggestions on Rollover IRA AA
Replies: 8
Views: 393

Re: Going DIY First Post - Suggestions on Rollover IRA AA

i would encourage you to trim to 3 : total stock market or s/p 500 depending on what is available, total international, and bond index. i would encourage you to consider dropping the reit holding. the simpler you set this up across accounts the easier it will be to manage things and not make behavio...
by epictetus
Mon Apr 06, 2020 4:57 pm
Forum: Personal Investments
Topic: Tips on how to stop checking finances too often?
Replies: 29
Views: 1459

Re: Tips on how to stop checking finances too often?

rebalance once a year and don't check in between.
by epictetus
Mon Apr 06, 2020 4:52 pm
Forum: Personal Investments
Topic: [Panicked and moved to cash. What to do next?]
Replies: 106
Views: 12870

Re: I am a Massive Loser

if you put one year's s worth of expenses in cash and X year's worth in bonds then you will know that amount is safe. that might make you more comfortable investing the rest however you decide to. and try to come up with an allocation you can live with through ups/downs even if you think it is more ...
by epictetus
Fri Mar 27, 2020 4:47 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting and Dividends, what to do before 30 days
Replies: 5
Views: 462

Re: Tax Loss Harvesting and Dividends, what to do before 30 days

if you put a different fund in the IRA (S&P 500 for example) you would be set
by epictetus
Sun Jan 19, 2020 2:20 pm
Forum: Personal Investments
Topic: Paralysis by analysis - Taxable account
Replies: 23
Views: 1848

Re: Paralysis by analysis - Taxable account

would suggest stock etf in taxable account. or vanguard stock mutual fund. will be better re: capital gains.

if you want tax-managed balanced fund probably better to do account at vanguard v. fidelity
by epictetus
Wed Jan 01, 2020 5:34 pm
Forum: Personal Investments
Topic: Fidelity Taxable Account - What Fund To Buy?
Replies: 10
Views: 1337

Re: Fidelity Taxable Account - What Fund To Buy?

VTI this time last year I was making same decision you are making now. and i went with VTI. I also prefer mutual funds but the concerns I had re: buying VTI have been a non-issue. I put in a market order when the market is closed and buy the next morning. when I started I paid $4.95 per trade. there...
by epictetus
Wed Dec 25, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Help not being a Scrooge with presents
Replies: 49
Views: 4030

Re: Help not being a Scrooge with presents

one thing we started a few years ago is everybody gives everybody else one gift. and the gift cannot cost more than one dollar. there are no children involved. we started this after realizing everyone was exchanging/swapping gift cards, things that no one really wanted, etc. it has worked out well. ...
by epictetus
Sun Dec 22, 2019 7:35 pm
Forum: Personal Investments
Topic: Best first index investing book recommendation?
Replies: 35
Views: 1897

Re: Best first index investing book recommendation?

The Little Book of Common Sense investing first.
by epictetus
Sat Dec 07, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: Total Stock vs. S&P 500
Replies: 55
Views: 6047

Re: Total Stock vs. S&P 500

i hold the s/p 500 index fund in 403/457/ira and the total stock index etf in taxable account.
by epictetus
Sun Dec 01, 2019 4:57 pm
Forum: Personal Investments
Topic: Couch Potato vs. Permanent vs Actively Managed
Replies: 7
Views: 994

Re: Couch Potato vs. Permanent vs Actively Managed

would have to consider tax consequences, but you might consider one of the all-in-one-funds (Target Date funds which become more conservative over time or Lifestrategy funds which maintain a fixed-allocation over time).

this would let you put all the money into that one fund and you are done.
by epictetus
Sat Nov 30, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Florida Tech?
Replies: 11
Views: 1058

Re: Florida Tech?

would be good to research which program you are thinking about, is it accredited by the relevant organizations, etc.
by epictetus
Sat Oct 19, 2019 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 98
Views: 6001

Re: Should I take the job in OKC or Orlando?

i would be very concerned going into a practice owned by a couple. i think you would always be the odd person out in that situation.

if you want to go to orlando would suggest looking around to see if there are other options.
by epictetus
Fri Sep 27, 2019 11:56 am
Forum: Personal Investments
Topic: Threw me a curve [unexpected layoff]
Replies: 36
Views: 6159

Re: Threw me a curve [unexpected layoff]

frcabot » Thu Sep 26, 2019 7:19 pm epictetus wrote: ↑ Thu Sep 26, 2019 6:18 pm depending on your expenses you might be able to make it on your pensions alone. I agree that OP is actually in a decent spot considering his savings, but I’m struggling to see how you think someone can survive on $7.7K pe...
by epictetus
Thu Sep 26, 2019 6:18 pm
Forum: Personal Investments
Topic: Threw me a curve [unexpected layoff]
Replies: 36
Views: 6159

Re: Threw me a curve [unexpected layoff]

let me encourage you to mentally step back from the situation and take a few deep breaths before you make any major decisions/take any big actions. what are your monthly expenses now/what are they going to be? that is a key piece of info we need. if i read correctly you have almost 600,000 in 401ks ...
by epictetus
Wed Sep 11, 2019 5:31 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 10317

Re: Too Late To Get Back Into Stocks?

if you put aside X years of expenses in something safe (1,5,10,15,20; whatever number you would be comfortable with) and invest the rest however you see fit you might have less stress/be less likely to make big moves into and out of the market. the key is to find a plan/method you can stick with thr...
by epictetus
Sat Sep 07, 2019 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing about money and investing
Replies: 21
Views: 2378

Re: Obsessing about money and investing

what is your AA? how much are your yearly expenses? sounds like your AA might be too heavy in stocks. some options: you might think about reducing your stock exposure. you might think about putting X amount of money in something less volatile (bonds, cds, savings accounts, etc) and that might help r...
by epictetus
Wed Sep 04, 2019 6:05 pm
Forum: Investing - Theory, News & General
Topic: Should I place ETF orders when the market is closed?
Replies: 34
Views: 2060

Re: Should I place ETF orders when the market is closed?

i have not had any issues/problems putting in an order to buy VTI while the market is closed and having the order executed when the market opens. i thought it would be a problem but it has not been. at Fidelity, if you put in a purchase order when the market is closed you are limited to purchasing 9...
by epictetus
Sun Sep 01, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6909

Re: Did humanity ever make good Gas cans

i had a metal one that i used for many years with no problem. i probably got it at lowes or home depot
by epictetus
Sat Aug 24, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Grass is greener on the other side - Need inputs
Replies: 25
Views: 3113

Re: Grass is greener on the other side - Need inputs

the value of the pension is massive.
85% of your highest earning.
have to factor that into the amount you are making
with that factored in my guess is you are making more than your friends
by epictetus
Sat Aug 24, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Grass is greener on the other side - Need inputs
Replies: 25
Views: 3113

Re: Grass is greener on the other side - Need inputs

let's see... you have 1 million dollars you work in a job you enjoy you work in a location you enjoy you get paid a decent salary with regular raises you have a pension plan that will pay you 85% of your highest salary at retirement you work 4 days a week you are happy where you are and things there...
by epictetus
Sat Aug 24, 2019 7:10 am
Forum: Personal Investments
Topic: Initial rebalance/simplify accounts
Replies: 11
Views: 1097

Re: Initial rebalance/simplify accounts

in the Roth IRA you can do what you like re: selling and re-allocating without concern re: tax implications. the taxable account is where you would have potential impact of taxable gains/losses to figure out and report. if it it true you could sell everything within taxable account without tax hit w...
by epictetus
Sun Aug 18, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3775

Re: Battery powered lawn mower

Kobalt 80 v from Lowe's. It is Lowe's brand mower so they are responsible for warranty issues. Mower warranty is 5 years with Lowe's. So if something breaks you take it back to Lowe's and don't have to ship it off somewhere or try and find whoever the warranty service has been contracted out to. I h...
by epictetus
Sun Aug 04, 2019 5:39 pm
Forum: Investing - Theory, News & General
Topic: ETF How To [How do I purchase and use ETFs in my portfolio?]
Replies: 53
Views: 3691

Re: ETF How To

I started buying VTI in December at Fidelity and have done so 4-5 times since then. This has been my experience: If you put in a market order when the market is closed it will buy the ETF when the market opens the next day. Usually the minute it opens. If you put in a market order when the market is...
by epictetus
Tue Jul 09, 2019 5:38 pm
Forum: Personal Investments
Topic: Fidelity 401k now charging fees for brokerage link
Replies: 23
Views: 1686

Re: Fidelity 401k now charging fees for brokerage link

any decent mutual funds available within the plan itself that could be used that would be less expensive?
by epictetus
Sun Jul 07, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: U.S. savingsbonds.com
Replies: 16
Views: 2140

Re: U.s. savingsbonds.com

is this where you mean?

https://www.treasurydirect.gov/
by epictetus
Sun Jul 07, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 106
Views: 12279

Re: Time for a new car - Corolla or Civic...

the data from Consumer Reports suggests that Toyota is more reliable overall that Honda.

that has also been my experience as an owner of 2 Hondas in the past and 2 Toyotas now.
by epictetus
Thu Jul 04, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Cleaning bugs off car bumper
Replies: 32
Views: 3123

Re: Cleaning bugs off car bumper

i have found these mesh covered sponges the best for getting bugs off bumper. https://www.walmart.com/ip/Viking-Microfiber-Bug-Mesh-Car-Cleaning-Sponge-Multi-Purpose/52162251?wmlspartner=wlpa&selectedSellerId=0&adid=22222222227041047186&wl0=&wl1=g&wl2=c&wl3=98957073617&wl4=aud-566049426705:pla-24327...
by epictetus
Thu Jul 04, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: The Day Has Come - Hit Retirement Number - Now What?
Replies: 103
Views: 11933

Re: The Day Has Come - Hit Retirement Number - Now What?

would suggest you look at the value of your stock allocation and cut that value in half.
and then think if you would be comfortable retiring with that number.
by epictetus
Thu Jul 04, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 141
Views: 16440

Re: Staying the course is so hard (support thread)

if you want more freedom, options, etc. then have less debt not more. it sounds like you are worn-out and stressed-out and having a mid-life crisis. not a great time to be making big decisions that will tie you even longer into what is making you worn-out and stressed out. if you want to work on mor...