Search found 100 matches

by KeepItSimple78
Tue Sep 18, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3737

Re: Should I get a new iPhone?

I don't think it's worth it. Wait for the next gen and buy the X, XS, or XR at a discount. I recently upgraded from an iPhone 5 to a refurbished iPhone 7 direct from Apple (comes with new battery, new shell, 1 year warranty) for $379. I love the phone. I couldn't fathom spending $1000+ for the newes...
by KeepItSimple78
Tue Sep 18, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 796

Re: New microwave or seek service options?

Make sure it is not a broken door switch! https://www.youtube.com/watch?reload=9&v=_CtGVScF0sU I replaced a broken door switch on my built-in GE microwave oven from watching Youtube videos! $6 for the switch on eBay. The pain in the butt is waiting for the switch to arrive. We ended up buying a bra...
by KeepItSimple78
Wed Sep 05, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 796

Re: New microwave or seek service options?

Make sure it is not a broken door switch! https://www.youtube.com/watch?reload=9&v=_CtGVScF0sU I replaced a broken door switch on my built-in GE microwave oven from watching Youtube videos! $6 for the switch on eBay. The pain in the butt is waiting for the switch to arrive. We ended up buying a bra...
by KeepItSimple78
Wed Sep 05, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 796

Re: New microwave or seek service options?

Make sure it is not a broken door switch! https://www.youtube.com/watch?reload=9&v=_CtGVScF0sU I replaced a broken door switch on my built-in GE microwave oven from watching Youtube videos! $6 for the switch on eBay. The pain in the butt is waiting for the switch to arrive. We ended up buying a bra...
by KeepItSimple78
Wed Sep 05, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 796

Re: New microwave or seek service options?

I really appreciate all of the insight.

I'm planning on calling around a bit about service options, but may try a little DIY first with some of the methods described.
by KeepItSimple78
Wed Sep 05, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 796

New microwave or seek service options?

Built-in Frigidaire Professional microwave, no idea how long it's been in-use in my new kitchen (recently purchased single-family home) but it has a manufactured date of Jan 04 on the inside of the door. It stopped working last night. The electronic components still function - the display, lightning...
by KeepItSimple78
Thu Aug 30, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: Can margin be beneficial for long-term investing?
Replies: 61
Views: 3780

Re: Can margin be beneficial for long-term investing?

Can it be? Yes. Will it be? My crystal ball is cloudy. There are plenty of ways to take on more risk and reach for more reward. Margin trading is something that isn't on my radar personally, but perhaps others here can give you a bit more insight. Though you may have more success on another forum as...
by KeepItSimple78
Thu Aug 30, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: how to find 401k fees
Replies: 16
Views: 1508

Re: how to find 401k fees

You should see the fees in the account transaction log. Usually once a quarter though, so look back in the log a bit or wait longer if this is a new account setup. Either way, I'd look over the plan details closely and make sure you understand what exactly the fees (on top of the expense ratios of t...
by KeepItSimple78
Thu Aug 30, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 157
Views: 10498

Re: How do you save money on groceries?

-buy in bulk when it makes sense from warehouse clubs
-meal plan
-cook from scratch as much as possible
-cook more than needed and benefit from leftovers
-optimize credit card usage - at a minimum use a BoA cash rewards card (2% back grocery stores/Walmart/warehouse clubs)
by KeepItSimple78
Thu Aug 30, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off student loan with ROTH contributions
Replies: 16
Views: 1198

Re: Pay off student loan with ROTH contributions

Has anyone done this? Probably someone has. I wouldn't. The 40k in your ROTH is extremely valuable (all gains going forward are tax free and not subject to RMDs) and because of yearly contribution limits, you can never get that yearly space back if you were to raid it now to pay down your student lo...
by KeepItSimple78
Thu Aug 30, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: # of accounts vs wealth perception
Replies: 14
Views: 1620

Re: # of accounts vs wealth perception

Well, you could use an account aggregator that would display the balances of all your accounts in one place. Broken Man 1999 That is true, I do this for banks & credit cards for a snapshot of my ultra short term assets / liabilities but I guess I've been afraid of giving my investment account acces...
by KeepItSimple78
Thu Aug 30, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Student Loan or Keep in tIRA
Replies: 6
Views: 390

Re: Payoff Student Loan or Keep in tIRA

I would not. The tax-deferred space in the tIRA is too valuable and is lost forever in the scenario you describe to pay the student loans. Extra monthly cash flow is great, but in my opinion you'd be sacrificing too much long-term upside to create it. Pay down the loans as aggressively as you can fr...
by KeepItSimple78
Wed Jul 18, 2018 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable AA when goals/horizon unclear
Replies: 6
Views: 523

Re: Taxable AA when goals/horizon unclear

Got it software, thanks.

Perhaps the underlying issue is too aggressive of an AA. 60/40 across all accounts might make me feel better about spending out of taxable for short-term needs. Though at only 33 years of age, many would consider that too conservative.
by KeepItSimple78
Tue Jul 17, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable AA when goals/horizon unclear
Replies: 6
Views: 523

Re: Taxable AA when goals/horizon unclear

Let me reiterate, I would without a doubt use 75/25 AA across all accounts if all of the accounts were strictly for use in retirement (20+ years). However, my concern is in implementing AA cross all , due to tax efficiency, the taxable account would end up mostly equities. Therefore, if I chose to u...
by KeepItSimple78
Tue Jul 17, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable AA when goals/horizon unclear
Replies: 6
Views: 523

Taxable AA when goals/horizon unclear

I recently purchased a single-family home and plan to open a taxable investing account soon. Previously I had been maxing out tax-deferred accounts only, while tackling student debt and saving for a downpayment on said home. In the tax-deferred accounts, I chose a 75/25 allocation (since drifted to ...
by KeepItSimple78
Mon Jul 02, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 5228

Re: Do you own just 5% of anything?

Yes - Vanguard Total International Bond fund, at a little less than 5% currently. Target allocation is 6% of portfolio.
by KeepItSimple78
Thu Jun 14, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Why do we need 529?
Replies: 42
Views: 4449

Re: Why do we need 529?

Short answer - you don't NEED a 529.

However, I would at least consider it depending on your particular situation. Especially if the state you reside in offers a tax benefit or matching funds. I'm in Louisiana, and the state offers both... so I've decided a 529 is worthwhile in my case.
by KeepItSimple78
Thu Jun 14, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Cash, getting to it
Replies: 8
Views: 1043

Re: Cash, getting to it

Hi Stripe, First off, you need to address your mental hurdle. What could possibly come up in your life that would require that much cash on-hand? Maybe you have special considerations in your life, but for the typical person/family, a good rule of thumb is 6-12 months of expenses set aside for emerg...
by KeepItSimple78
Sat Jun 09, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Submitting an offer on a home
Replies: 24
Views: 2955

Re: Submitting an offer on a home

Thanks for all of the insight thus far.

The buyer's agent I am working with has provided me with comps and a dollar range she believes is fair market value for the target properties. Planning a few more drivebys over the weekend and will mull over all of our options.
by KeepItSimple78
Tue Jun 05, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Submitting an offer on a home
Replies: 24
Views: 2955

Submitting an offer on a home

Hello Bogleheads, I may be making an offer on a single-family home in the very near future. I'm a first-time home buyer, with financial ducks in a row and preapproved through a local credit union for a 15-year fixed at 3.25% (0 points, average fees). What should I know about the process? What should...
by KeepItSimple78
Mon May 14, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 2933

Re: Am I working with the wrong realtor?

I am curious what makes the agent "your" agent. Have you signed an agreement with them? I am a part time agent and find myself amazed at the personality conflicts I too often see. From my perspective it is a complete waste of my time to entertain submitting an offer on a home that is no longer acce...
by KeepItSimple78
Mon May 14, 2018 9:05 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 14024

Re: The front page is ugly

I like it as it is. The simplicity of it aligns perfectly with the investing philosophy espoused here.

Though admittedly, I'm biased on this issue as my username indicates.
by KeepItSimple78
Mon May 14, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 2933

Re: Am I working with the wrong realtor?

The agent I'm working with has been a full-time realtor for 15+ years.

Thanks delamer. What you suggest is probably my best course of action.
by KeepItSimple78
Mon May 14, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 18796

Re: What Percentage CASH are you?

OP, Sticking strictly to retirement accounts - 8% cash (most of the 8% in tax-deferred accounts, small amount in ROTH). I, similarly, like having a little "dry powder" as you called it. If I chose to do something with this money today, I would probably add to my bond allocations as they are currentl...
by KeepItSimple78
Mon May 14, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 2933

Am I working with the wrong realtor?

A single-family home in the area caught my eye a while back. The MLS portal that my agent (buyer's agent) setup did not show the house. I inquired about it and she said it was "under contract" and "not available". My understanding was that in these situations, the deal is by no means a done-deal and...
by KeepItSimple78
Tue Apr 24, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 7303

Re: Who benefits from "best and final offer" on condo?

OP, I think it ultimately circumstantial... likely the seller is in a time-sensitive situation and needs to unload the house.

Otherwise, as you and others have stated, the potential bidding up of the sale price would only benefit the seller and the agents involved.
by KeepItSimple78
Mon Apr 02, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 6184

Re: How did you file your income taxes?

H&R Block Deluxe for federal return. Free state efile via Louisiana Department of Revenue.
by KeepItSimple78
Mon Apr 02, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Points on Purchase Mortgage - Worth It?
Replies: 28
Views: 2957

Re: Paying Points on Purchase Mortgage - Worth It?

OP, I'm in the home buying process as well and have decided to do the same thing - put more down rather than mess with points. The escrow discussion has piqued my interest. With money market accounts and CD rates on the rise, I see a convincing argument to pursuing a mortgage agreement without escro...
by KeepItSimple78
Fri Feb 16, 2018 12:39 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 15820

Re: What big item (>20k) are you saving up for?

A home down payment, accumulating in a high-yield savings. Looking to buy a long-term family home sometime during 2018.
by KeepItSimple78
Fri Feb 16, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 3598

Re: Cell phone service

My wife and I use Ting and have an average monthly cell phone bill of just over $60. Neither of us use much data however. It's worth exploring.
by KeepItSimple78
Tue Jan 23, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Can a 529 plan be used to pay for private tuition?
Replies: 41
Views: 2911

Re: Can a 529 plan be used to pay for private tuition?

someuser001, As others have mentioned, the key here is to check with how your 529/state will handle the changes that have been made at the federal level. I utilize the Louisiana 529 which details on its website here (http://www.startsaving.la.gov/savings/index.jsp) that changes must be made by the L...
by KeepItSimple78
Fri Dec 08, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: John T. Reed (real estate) reading suggestions
Replies: 6
Views: 964

Re: John T. Reed (real estate) reading suggestions

Thanks knpstr. My local branch seems to carry a whole slew of his books. I will look for that second one you mentioned.
by KeepItSimple78
Thu Dec 07, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: John T. Reed (real estate) reading suggestions
Replies: 6
Views: 964

John T. Reed (real estate) reading suggestions

Greetings Bogleheads, After doing a bit of searching on the forum, I've found that Reed seems to be a popular suggestion for learning the basics of real estate investing. He has seemingly published quite a few on this topic... so, to the point: Have you read any of his books? If so, would you recomm...
by KeepItSimple78
Thu Dec 07, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 7204

Re: What do Bogleheads say when they don't want to spend money?

I'm a believer in being straightforward. My immediate friends and family know that I have savings goals and that I am not one to throw money around. If a particular situation does arise, I usually say that I'd prefer not to spend money (or that type of money) on x,y,z. If you're not comfortable shar...
by KeepItSimple78
Thu Dec 07, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 4774

Re: Did Capital One 360 Savings raise rates?

I can't comment on the 360 Savings, but the online Capital One Money Market has increased from 1% to 1.3% over the past few months... increasing by increments of 0.1% on three different occasions.
by KeepItSimple78
Tue Dec 05, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage is About To Be Paid - I'm Scared!
Replies: 43
Views: 6496

Re: Mortgage is About To Be Paid - I'm Scared!

Nice job OP. Don't be scared... you've had a plan in place to get yourself out of debt and you're crossing the finish line. Treat yourself to something and enjoy the moment. You're in a great financial place.
by KeepItSimple78
Tue Sep 12, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 vs Capital One Money Market
Replies: 12
Views: 4867

Re: Capital One 360 vs Capital One Money Market

I made the switch months ago. No problems/concerns thus far, and setting up the account through their website was very easy. I transferred everything I had in the 360 account to the MM and was prompted with a notice as to whether I wanted the 360 account closed or to remain open... I opted to keep i...
by KeepItSimple78
Mon May 08, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Debt Free Scream! 174K in 53 months
Replies: 24
Views: 4379

Re: Boglehead Debt Free Scream! 174K in 53 months

Well done, I can identify with the feeling. You've set you and your family on a course for long-term success. Enjoy the vacation.
by KeepItSimple78
Mon May 08, 2017 7:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 70
Views: 7008

Re: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early

Happy Birthday to you Mr. Bogle. I was glad to see Warren Buffet give you a personal shout-out at Berkshire's annual meeting over the weekend - well deserved as a champion for the everyday investor.
by KeepItSimple78
Tue Apr 11, 2017 11:56 pm
Forum: Investing - Theory, News & General
Topic: Ben Carlson Drawdown Chart
Replies: 18
Views: 5142

Re: Ben Carlson Drawdown Chart

Great visuals, thanks guys
by KeepItSimple78
Tue Mar 14, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 12514

Re: Do you avoid international investing like Jack Bogle?

I do not avoid international. I am of the opinion that the greater diversification provided by adding international equities is tough to pass up.
by KeepItSimple78
Mon Mar 06, 2017 2:24 am
Forum: Personal Finance (Not Investing)
Topic: Net worth milestone reached: $100,000!
Replies: 53
Views: 6029

Re: Net worth milestone reached: $100,000!

Nice job finding your way. Here's to your success thus far and to more on the horizon :sharebeer
by KeepItSimple78
Fri Mar 03, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan debt - vanquished!
Replies: 19
Views: 2242

Re: Student loan debt - vanquished!

Thanks all.

And yes, Lou354, it feels terrific. :happy
by KeepItSimple78
Fri Mar 03, 2017 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Student loan debt - vanquished!
Replies: 19
Views: 2242

Student loan debt - vanquished!

Happy to share that my wife and I made the last payment on student loans that we'll ever make a few days ago. At it's highest point the total loomed large at 170k+... but we had a plan to attack them aggressively, and 30 months later we reduced the balances to 0. We plan to continue to live below ou...
by KeepItSimple78
Fri Mar 03, 2017 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Paid off 80k in student loans in 14 months- At the starting line
Replies: 12
Views: 2164

Re: Paid off 80k in student loans in 14 months- At the starting line

Congrats, nice job. My wife and I just made the last payment on our student loans as well and can identify with how nice a feeling it is.
by KeepItSimple78
Fri Mar 03, 2017 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Keep Financial Advisor or move to 3 Fund Portfolio?
Replies: 48
Views: 5530

Re: Keep Financial Advisor or move to 3 Fund Portfolio?

I'd definitely consider the 3-fund... it's very low fee, will produce steady returns while minimizing risk, and is easy to manage yourself.
by KeepItSimple78
Thu Feb 02, 2017 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 7636

Re: Milestone and gotta tell someone

50> and a paid off house is doing well in my book. Early 40s? Great job. :sharebeer
by KeepItSimple78
Thu Feb 02, 2017 2:35 am
Forum: Investing - Help with Personal Investments
Topic: Is there any reason for me to invest in taxable accounts yet?
Replies: 9
Views: 1324

Re: Is there any reason for me to invest in taxable accounts yet?

No reason at this time. Pay down your student loans and take advantage of as much of your tax-sheltered space as possible as others have mentioned.
by KeepItSimple78
Sat Jan 28, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: Zacks vs. TheStreet buy/sell recommendations
Replies: 20
Views: 2569

Re: Zacks vs. TheStreet buy/sell recommendations

I think most would agree you "won't go broke", but the argument to be made is whether you will achieve superior returns by seeking out "expert" opinions when it comes to stock picking. The academic world has shown that often you will NOT achieve superior returns and will likely end up with inferior ...
by KeepItSimple78
Sat Jan 28, 2017 4:25 am
Forum: Investing - Help with Personal Investments
Topic: Where to put the remaining money each month.
Replies: 13
Views: 2262

Re: Where to put the remaining money each month.

Two things to consider if you choose to to go with the fund you suggested: 1. It holds 340 mid-cap stocks as opposed to the funds I mentioned previously that each hold 1000s of stocks of all sizes. You will be less diversified. 2. It is not as tax-efficient, meaning you will owe more to Uncle Sam ev...