Search found 4244 matches

by mega317
Tue May 26, 2020 4:26 pm
Forum: Personal Investments
Topic: CDs Versus VBTLX or VSIGX For Fixed Income
Replies: 5
Views: 383

Re: CDs Versus VBTLX or VSIGX For Fixed Income

Where don't you see much discussion? It's all over this forum.

It's not really risk free you still have reinvestment risk, but I don't think you're missing anything.
by mega317
Tue May 26, 2020 10:49 am
Forum: Personal Investments
Topic: BND in taxable for college.
Replies: 2
Views: 254

Re: BND in taxable for college.

Well fortunately you'll be paying taxes on way less than 3.91%! But seriously there are some other ways to handle this. You can put some or all of the money in a 529 to avoid taxes for a few years. You can use munis if it makes sense for your tax bracket. You can buy stocks and then pay college bill...
by mega317
Tue May 26, 2020 9:06 am
Forum: Personal Investments
Topic: Buy CDs with credit card or debit card?
Replies: 12
Views: 942

Re: Buy CDs with credit card or debit card?

It's kind of funny that in your first post you have an opportunity to increase cash flow but instead want to buy a CD.

My vote would be to load an Amazon gift card if you use Amazon at all.
by mega317
Tue May 26, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Worst House on the best block?
Replies: 47
Views: 3335

Re: Worst House on the best block?

Absolutely yes as long as the house isn't fatally flawed. You need to make sure you have more than enough money for what you think are the necessary fixes.

In my neighborhood and actually most of the county, the worst house on any block will need to be demolished--you are just buying the land.
by mega317
Sun May 24, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 28
Views: 1494

Re: Update current laptop or buy new one?

To me the hinge is the most important thing here. I replaced and perfectly decent laptop I liked just because of an unfixable hinge issue. If you want to see what you've got you can get a used ssd that will fit windows for like 10 bucks. Play with a fresh install of windows on that for a few days. y...
by mega317
Fri May 22, 2020 6:28 pm
Forum: Personal Investments
Topic: Current 401k contributions?
Replies: 10
Views: 803

Re: Current 401k contributions?

Actually got a little bonus so putting some to an after tax.
by mega317
Thu May 21, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 28
Views: 1206

Re: Furniture for an infant in the living room

[comments deleted by admin alex. If you think someone has committed a violation of forum policies, do not respond in kind. Use the report button.] A Pack n Play is also great because it can easily to go grandma's or on a trip. This baby bjorn is bigger but folds up smaller than most so we got a lot...
by mega317
Thu May 21, 2020 3:39 pm
Forum: Personal Investments
Topic: Is Chasing Yield Worth It? (Banks)
Replies: 15
Views: 1168

Re: Is Chasing Yield Worth It? (Banks)

give stress about the 100usd bonus/10,000 deposit if they see you take your money out too quickly after the bonus clears. This means you must keep your money there for some time longer and thus, your effective interest rate drops. Is this a thing? I'm in the middle of 2 bonuses, my first ever, righ...
by mega317
Thu May 21, 2020 3:29 pm
Forum: Personal Investments
Topic: Assuming we start paying banks to hold our money (in the US)
Replies: 50
Views: 4054

Re: Assuming we start paying banks to hold our money (in the US)

Yes to the above comment on monthly fees. Most people will pay monthly fees if the only other options are cash at home or buying something with a different risk profile.
by mega317
Wed May 20, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Car Transport Services
Replies: 9
Views: 530

Re: Car Transport Services

I think I've posted this a few times. I've done this three times and had 2 pretty bad experiences. One car arrived 3 weeks! later than the end of the delivery window. One I signed and paid for enclosed shipping. A week after they picked up the car (and I had already left town) they called and said e...
by mega317
Wed May 20, 2020 5:24 pm
Forum: Forum Issues and Administration
Topic: Support the site through Amazon?
Replies: 23
Views: 1323

Re: Support the site through Amazon?

1. I have asked this same question here and in other places. I can't seem to get an answer. 2. The way this works is once you click the link, your session is associated with BH for a certain time frame. I think I've read 2 hours, don't hold me to that. There isn't a way to confirm this. But anything...
by mega317
Wed May 20, 2020 5:00 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 2043

Re: Individual stock for son's birthday

MJS wrote:
Wed May 20, 2020 2:13 pm
Plus a book on insurance.
Now this sounds like a bad gift. For a child?!
by mega317
Wed May 20, 2020 1:20 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 2043

Re: Individual stock for son's birthday

How old is your son? This sounds like a terrible birthday present.
by mega317
Wed May 20, 2020 1:16 pm
Forum: Personal Investments
Topic: Advice on parking cash
Replies: 5
Views: 659

Re: Advice on parking cash

It depends on your risk tolerance. If you're saving 75k per year I imagine you have a lot of savings and so if this 50k were invested in short-term bonds, or intermediate-term bonds, or (gasp) stocks, and the value went down, wouldn't you have tons of other money from which to pull a down payment? I...
by mega317
Wed May 20, 2020 1:08 pm
Forum: Personal Investments
Topic: Where to put my Savings/EF?
Replies: 9
Views: 794

Re: Where to put my Savings/EF?

I'm 23 and currently have about $30K in savings as my emergency fund/future down payment fund. Right now it's in my bank savings account, earning almost nothing. I'm leaning towards putting in a Vanguard Money Market to keep it pretty liquid. Anybody else have better suggestions on where to put thi...
by mega317
Wed May 20, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2918

Re: Engagement Ring Help

Ok but you have to feed the cows, and they smell, and where do you put them? I don't know how many cows were expected and how fast you'd eat them but the cost to keep them is in the range of 5-10 cow-years/carat.
by mega317
Tue May 19, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 1961

Re: Apple iPad vs Notebook

I think I have read that an HD movie can take 5-6 GB. You won't have available to you the amount of storage listed on the box since some will be taken by the OS and all apps. Just looking at my iphone right now for a ballpark, the OS and apps are taking about 20gb. So you could have at least a coupl...
by mega317
Tue May 19, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 1961

Re: Apple iPad vs Notebook

What notebook?

IMO the ipad is great for exactly your intended use. $300 for the cheapest one which is all you need.
by mega317
Tue May 19, 2020 5:28 pm
Forum: Investing - Theory, News & General
Topic: My idea for a 3-fund portfolio
Replies: 13
Views: 843

Re: My idea for a 3-fund portfolio

How do you know they are undervalued? How do you define that? If it is so clearly true and actionable, why haven't the big investors already spent trillions taking advantage of it and eliminating the opportunity? You are making a bet on nothing more than a gut feeling. It's kind of no-win. Either yo...
by mega317
Tue May 19, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2918

Re: Engagement Ring Help

When I was shopping I lived near a jewelry district and enjoyed going into a few of the shops and just chatting. I felt like that gave me a decent idea of what I could get for my money. I have no idea if I got a "good deal" but it seemed close and I felt good about it and was supporting a local busi...
by mega317
Tue May 19, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4031

Re: Vault Safe in the attic; welded, anyone ?

You all are missing the point which is that if the OP videos the process, s/he will become a youtube sensation. Welding in your attic! what about a decoy safe that is easier to find, but makes the thief think he is getting the valuables. Maybe put some money (few hundred $), old expired credit cards...
by mega317
Tue May 19, 2020 3:02 pm
Forum: Personal Investments
Topic: Best place to hold 100k emergency fund?
Replies: 25
Views: 2326

Re: Best place to hold 100k emergency fund?

Ibonds also something to consider. If you're doing a no penalty CD at Ally, consider splitting into several CDs so that if you need some of the money you don't have to take out 100k and possibly reinvest at a lower rate. My emergency fund is in VMMXX. Not as easily accessible, but the interest is a ...
by mega317
Tue May 19, 2020 2:53 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 62
Views: 6040

Re: Where to park cash in Fidelity?

What is the money for? How much? If it's a large position you're going to keep a while, like a beefed up emergency fund, it might be worth the annoyance. If tiny or temporary, then it doesn't matter what you do. More info please.
by mega317
Tue May 19, 2020 2:49 pm
Forum: Personal Investments
Topic: Sold some stock on new highs today!
Replies: 23
Views: 2325

Re: Guys, I got out! (sold equities)

There is no difference between 56/44 and 60/40. If you truly decided to change you allocation to be more conservative, that is a good move. So taking you at your word, I think you did the right thing. You don't have a plan to change again based on market conditions do you? I don't understand this id...
by mega317
Tue May 19, 2020 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4596

Re: How did you determine your target savings rate?

mak1277 wrote:
Tue May 19, 2020 10:03 am
I view being "401k poor" is no different than being "house poor".
The difference here is you can always just decrease or stop 401k contributions, vs you still have a mortgage to pay and a house to maintain.
by mega317
Tue May 19, 2020 12:12 am
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3420

Re: Sources for N95 masks

In my opinion you will not derive much additional benefit over a standard surgical mask from wearing an N95 unless you: 1. Fit test the particular brand/style mask you are wearing 2. Know how to wear it properly 3. Don’t remove it for the duration of the exposure Unless you do those things, you are...
by mega317
Mon May 18, 2020 7:52 pm
Forum: Personal Investments
Topic: Bonds or precious metals?
Replies: 28
Views: 1255

Re: Bonds or precious metals?

suemarkp wrote:
Mon May 18, 2020 6:40 pm
Buy when they are low and sell when they are high.
Seems sound.
suemarkp wrote:
Mon May 18, 2020 6:40 pm
I have about 900oz of silver and my average purchase price was near $20/oz. Once it gets back up near $20 (hoping soon this time...), I've got about 300oz I want to get rid of.
:oops:
by mega317
Mon May 18, 2020 5:38 pm
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1200

Re: Moving from Treasuries to CDs

I think the treasury direct site is not so bad that it would be my only reason for avoiding an otherwise "excellent investment" in your words. But as mentioned already these are fractions of a percent and not that important.
by mega317
Mon May 18, 2020 5:20 pm
Forum: Personal Investments
Topic: Getting Advice in turbulent times and rebalancing
Replies: 3
Views: 234

Re: Getting Advice in turbulent times and rebalancing

A few thoughts. Probably not a good idea to continue to decrease your stock allocation because of dips. But really there isn't an enormous difference between 70/30 and 56/44 so whatever, TBH. Rebalancing frequency is not going to have any life changing effects. I don't know what "pick beta and set t...
by mega317
Mon May 18, 2020 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4596

Re: How did you determine your target savings rate?

Do you have insurance premiums? When your emergency fund is where you'd like it, the obvious next step is shift the extra savings into the 401k. So I guess my question is, how do I know if I'm saving enough? Or to flip it, how do I know if I'm saving too much, and it's impacting my quality of life? ...
by mega317
Mon May 18, 2020 3:24 pm
Forum: Personal Investments
Topic: Holding cash the right choice?
Replies: 17
Views: 2413

Re: Holding cash the right choice?

It's a difficult question to answer because who knows how big your emergency will be? What if bad things happen and you need to spend, say $75,000 of the emergency fund before you are cash flow positive again. That's 20k wasted in cash that you could have invested. What if bad things last more than ...
by mega317
Mon May 18, 2020 3:11 pm
Forum: Personal Investments
Topic: Bonds or precious metals?
Replies: 28
Views: 1255

Re: Bonds or precious metals?

How do you define better investment?
Image

How do you define safe?
Image
by mega317
Mon May 18, 2020 2:32 pm
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10360

Re: Please tell me I'm not crazy [Best way to manage an EF?]

KlangFool wrote:
Mon May 18, 2020 2:23 pm
I won't. This means that you do not have an emergency fund. You have a bigger problem than funding the Roth IRA.
Bigger, but unrelated problem. I agree to fund the roth.
by mega317
Mon May 18, 2020 8:32 am
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2736

Re: Dividend vs Total Return question

hoops777 wrote:
Sun May 17, 2020 3:48 pm
One question and I do not want to start the usual back and forth about this.
Considering we are now on tax timing and 50% stock crashes, neither having anything to do with your question , I'd say this was a fail. Nice try though!
by mega317
Sun May 17, 2020 5:24 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2736

Re: Dividend vs Total Return question

I just want to here the reasoning for my peace of mind. This is rather hard to demonstrate in a way that will satisfy anyone who doesn't already agree. But over a long period of time, if two funds have different dividends but equal total return, then the one who isn't selling shares has more shares...
by mega317
Sun May 17, 2020 5:20 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2736

Re: Dividend vs Total Return question

Ok. My main question is does the fact that you sold shares every month for 5 years and I did not matter at all? I'm wondering what the person who is selling shares every month is doing with the dividends received? Reinvesting? Spending.Income. Ok. So then that person is ALSO taking dividends and se...
by mega317
Sun May 17, 2020 4:24 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2736

Re: Dividend vs Total Return question

With the information given a US dividend fund from vanguard comes out ahead. The dividends are 100% qualified while the total stock market dividends are 94% qualified. So all things being equal you will pay $100,000 x ~2% dividend x 6% not qualified x 12% tax = 14 dollars in taxes with the total sto...
by mega317
Sun May 17, 2020 1:39 am
Forum: Personal Investments
Topic: Stock Screen
Replies: 21
Views: 1013

Re: Stock Screen

azumz wrote:
Sat May 16, 2020 11:12 pm
I looked at a few companies that met this criteria back in 2015 and they have all been flops.
So are you proposing to screen for these criteria and then short?
by mega317
Sun May 17, 2020 1:37 am
Forum: Personal Investments
Topic: 500K to Invest
Replies: 9
Views: 1286

Re: 500K to Invest

On one hand, impossible to really be helpful without a whole lot more information. On the other, yeah 60/40 sounds good going to retirement. What exactly is your question?
by mega317
Sat May 16, 2020 2:05 pm
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10360

Re: Please tell me I'm not crazy [What to do with "idle" cash?]

It's funny when we have cash like from a bonus or daycare being closed for months, my wife starts mentally shopping. OP would you prefer that?
by mega317
Sat May 16, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Upgrade to Pixelbook Go?
Replies: 6
Views: 341

Re: Upgrade to Pixelbook Go?

I don't know anything about that computer but I love my pixelbook. If we take you at your word you can afford it then why not? If they sell these at best buy you get 2 weeks for returns so you can try it no commitment.

Is your acer still under warranty? If you used Costco credit card I think it is.
by mega317
Sat May 16, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Increase Emergency Fund?
Replies: 16
Views: 1535

Re: Increase Emergency Fund?

Do you have any tax advantaged accounts and if so how much and how are they allocated?

I wouldn't worry about inflation but you can do better than prime mm without loss of principal.
by mega317
Sat May 16, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Decluttering and selling used items during this time
Replies: 15
Views: 1915

Re: Decluttering and selling used items during this time

How about computers? I've got a couple functional laptops I've been meaning to sell, but they need a little work before they're ready. I have less time these days than usual but would it be worth it to spend a night or 2 and get them listed?
by mega317
Sat May 16, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Income about to be halved - what do we do?
Replies: 62
Views: 7681

Re: Income about to be halved - what do we do?

Any cuts would really be at the margins and not make a big difference. The animals are expensive but I won't go there. I agree with the prior posts arguing against additional debt payment. But cash flow will look better when those debts are gone. Without question contribute to the roths that money c...
by mega317
Sat May 16, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2142

Re: Cheap Chromebook vs Laptop PC quality/options for child

mrsbetsy wrote:
Sat May 16, 2020 10:14 am
While it is fine for Zoom
Except the zoom app doesn't let you do backgrounds :(

A pair of blue light filtering glasses is also a good choice if they will wear them. My students are complaining a great deal about their eyes hurting
Did the blue light glasses resolve the pain?
by mega317
Sat May 16, 2020 9:27 am
Forum: Personal Investments
Topic: Another debt or invest question
Replies: 27
Views: 1455

Re: Another debt or invest question

And remember you should be maxing two Roth IRAs no matter what you do. Contributions can be withdrawn without penalty (or tax obvs).
by mega317
Sat May 16, 2020 9:20 am
Forum: Investing - Theory, News & General
Topic: Understanding single stock risk
Replies: 14
Views: 1231

Re: Understanding single stock risk

Don't think 30%, think "only 8 cents!" Or think "buying opportunity!"
by mega317
Sat May 16, 2020 9:17 am
Forum: Personal Finance (Not Investing)
Topic: [any downside to telling your parents your income?]
Replies: 32
Views: 2459

Re: [any downside to telling your parents your income?]

I thought of another downside. If mom thinks you are making less than your sibs you might be in line for a larger share of any inheritance :twisted:
by mega317
Sat May 16, 2020 9:15 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10360

Re: Please tell me I'm not crazy

If the stock market goes to zero, you should be putting your entire net worth into canned beans and assault rifles, right now. Bogleheads never try to time the market. You should always have canned beans and assault rifles. Yeah, but the big question is should you buy a can of beans and an assault ...
by mega317
Sat May 16, 2020 3:27 am
Forum: Personal Investments
Topic: Buying a house now???
Replies: 6
Views: 1190

Re: Buying a house now???

1. Who cares? Are you flipping it?
2. This was always going to be the case right?
3. Yes this is a consideration but if you properly protect yourself the risk is actually very low.
4. As you explain it this is a wash no?

If the time is right in your life and you have a house you like, I'd go for it.