Search found 239 matches

by BlueCable
Tue Sep 17, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 72
Views: 5245

Re: Alternatives to Subaru Outback?

Walk into a Toyota or Honda dealership and tell them you want to replace your Outback. They'll show you several alternatives at different sizes.
by BlueCable
Fri Sep 13, 2019 4:46 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 30
Views: 2137

Re: Best Triathlon Bike?

Please post your budget. Right now, you've basically asked "What is the best car?", which could be answered reasonably with both Toyota Camry or Porsche 911.
by BlueCable
Thu Sep 12, 2019 5:46 am
Forum: Personal Consumer Issues
Topic: Piano keyboard suggestion
Replies: 21
Views: 1624

Re: Piano keyboard suggestion

I also have been very happy with my Casio Privia. It did a good enough job that we ended up purchasing a nice upright acoustic piano a few years later.
by BlueCable
Tue Sep 10, 2019 6:38 am
Forum: Personal Finance (Not Investing)
Topic: 21 Years Old - Trying to learn young!!
Replies: 21
Views: 1998

Re: 21 Years Old - Trying to learn young!!

This free 16 page booklet from Bill Bernstein is a great place to start your leavening journey:

If You Can
https://www.google.com/url?sa=t&source ... -SB3S580I5
by BlueCable
Tue Sep 03, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads was right, I was wrong
Replies: 163
Views: 17707

Re: Bogleheads was right, I was wrong

Where are you looking for your refinance? I don't know how much rates vary across the country, but I recently refinanced on much better terms in Iowa at a credit union. $250k, 15 yr @ 2.875, something like $1500 in coding costs. Also, I never thought I'd do an ARM, but we ended up doing one on our p...
by BlueCable
Wed Aug 28, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: [Have to keep job just for health insurance. Any ideas on insurance replacement?]
Replies: 20
Views: 1497

Re: Really?? My FIRE comes down to heath insurance?? Depressing!

You could find a job you like for the three years.

Or work one year, and use your income for that year to fund insurance for the three years.
by BlueCable
Fri Aug 23, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: I spend no money so am I over-saving for retirement?
Replies: 54
Views: 5214

Re: I spend no money so am I over-saving for retirement?

Do you enjoy working? Sounds like you could stop working, although you haven't posted any specifics.

Instead of increasing your spending/year, decrease the years you are generating income.
by BlueCable
Wed Aug 21, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 16885

Re: White collars- How much is your work downtime?

I spend 10-15 minutes chatting at work each day, but I always have more work to do than time to do it. There are always more features in the backlog. Maybe another ten minutes walking to the coffee pots? Career experiences with downtime have been situations where I needed to kick off some task (code...
by BlueCable
Sat Aug 17, 2019 7:07 pm
Forum: Personal Investments
Topic: Revisiting EE Bonds given 20 year treasury bond at ~1.9%
Replies: 31
Views: 2367

Re: Revisiting EE Bonds given 20 year treasury bond at ~1.9%

In my view, those buying EE bonds are betting that over the next 20 years, inflation will remain very low, interest rates won't rise significantly, and the Treasury won't change the terms of EE bonds. I believe that they are also betting, to some extent, against stocks. And in return, they hope to ...
by BlueCable
Sat Aug 17, 2019 8:20 am
Forum: Personal Investments
Topic: Revisiting EE Bonds given 20 year treasury bond at ~1.9%
Replies: 31
Views: 2367

Revisiting EE Bonds given 20 year treasury bond at ~1.9%

If the market is efficient, then 20 year treasury bonds are currently priced at a fair risk-adjusted return of about 1.9%. EE bonds are not marketable securities and are not subject to market pricing. Even though bond prices have climbed, EE Bonds are still yielding 3.5% if held for 20 years. To obt...
by BlueCable
Tue Aug 13, 2019 5:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 41
Views: 4421

Re: Vanguard website fail at the propitious moment

Would you say the same thing if Amazon's website behaved like this? With a proper front end design (load balancers etc) there is no reason for the Vanguard website to have ongoing issues. I distinctly remember Amazon being down one day, so they showed a picture of a cute dog saying "Sorry." Maybe i...
by BlueCable
Mon Aug 12, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6873

Re: Are you refinancing now?

I had maybe $1300 in fees on a $250k loan, including a couple hundred of points.

I am in Iowa and this was a large credit union only in this and some surrounding states.
by BlueCable
Mon Aug 12, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6873

Re: Are you refinancing now?

Just signed for a 15 year at 2.875% at a state-wide credit union.
by BlueCable
Sun Aug 11, 2019 8:00 pm
Forum: Personal Investments
Topic: Income stream for 10 years
Replies: 39
Views: 4677

Re: Income stream for 10 years

From your description, she has no capacity to take risk. She needs $2k/yr for 10 years, and has $20k. Ten years is not a long enough time horizon for you to include equities to any extent, if that money really need to last ten years. I would hesitate to include a bond fund as well. I think you need ...
by BlueCable
Fri Aug 09, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 8956

Re: Critique my exercise routine because it's not working for me

Describe your lifting routine. How many sets, reps, and which lifts?
by BlueCable
Tue Aug 06, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Upgrading a PC, am I spending too much in too little time?
Replies: 35
Views: 2604

Re: Upgrading a PC, am I spending too much in too little time?

You might be able to spend another $70 or so to buy a used GTX 960 or similar on eBay. That would probably increase your graphics capability about 50%. Any more GPU would be bottlenecked by your CPU.
by BlueCable
Mon Aug 05, 2019 3:21 pm
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8360

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

Yes -- just opened another Marcus No-Penalty today expecting rates to start dropping.
by BlueCable
Sun Aug 04, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is our spending crazy?
Replies: 111
Views: 7285

Re: Is our spending crazy?

If it is making you work hours and feel stress that drive you crazy, then: yes, your spending is crazy. If you are happy with your career, saving sufficiently for your goals, then: no, your spending is not crazy. If this isn't the lifestyle you want to live, talk to your wife about your financial an...
by BlueCable
Thu Aug 01, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 15105

Re: Why won’t anyone hire me?

What type of positions are you applying for? In my market, most office jobs require degrees these days, even for secretarial positions.
by BlueCable
Mon Jul 29, 2019 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: multiple small previous job 401 K driving me crazy!
Replies: 8
Views: 732

Re: multiple small previous job 401 K driving me crazy!

If you expect to do backdoor Roths in the future, you'll want to avoid rolling these into an IRA because it will complicate the backdoors. Rolling into current 401k would be a good choice, if you have a good 401k.
by BlueCable
Wed Jul 24, 2019 2:48 pm
Forum: Personal Investments
Topic: Who has the best (easiest) Donor Advised Fund
Replies: 57
Views: 2760

Re: Who has the best (easiest) Donor Advised Fund

All our money is at Vanguard, but we still opened a DAF at Fidelity for the lower minimum donations. We are very happy with Fidelity.
by BlueCable
Sun Jul 21, 2019 6:29 am
Forum: Personal Consumer Issues
Topic: Graduate School in the US vs UK
Replies: 14
Views: 1121

Re: Graduate School in the US vs UK

$20,000 is insignificant based on your potential career earnings. Since it sounds like the US degree is much more marketable in the US, I'd choose the US school if you don't intend to stay in the UK.
by BlueCable
Fri Jul 19, 2019 5:29 pm
Forum: Personal Investments
Topic: Why keep low-interest I Bonds?
Replies: 24
Views: 2912

Re: Why keep low-interest I Bonds?

I've cashed in my 0% and 0.10%s for the 0.50% fixed rate.
by BlueCable
Thu Jul 18, 2019 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: What is the Magic Formula for when One can RETIRE ?
Replies: 30
Views: 5705

Re: What is the Magic Formula for when One can RETIRE ?

You don't seem to have the discipline to retire on a shoestring budget. Work longer, save more, build your financial acumen, and then revisit the question.
by BlueCable
Wed Jul 17, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 102
Views: 6051

Re: College cost prediction and savings for 5, 3, and newborn

AerialWombat wrote:
Wed Jul 17, 2019 9:30 pm
It’s possible to complete a regionally accredited 4-year degree entirely remotely, for less than $10k, and in less than 6 months.
Can you share some links? I hadn't heard of a bachelor degree in six months being offered anywhere.
by BlueCable
Wed Jul 17, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Would you pay that much for parking?
Replies: 26
Views: 1998

Re: Would you pay that much for parking?

I live in Iowa. If you paid me $480/yr to park outside, I would park outside (assuming the alternative is an underground parking spot and not a true personal garage).
by BlueCable
Wed Jul 17, 2019 6:35 am
Forum: Personal Investments
Topic: Should I start indexing NOW in current Market?
Replies: 33
Views: 4672

Re: Should I start indexing NOW in current Market?

Johnbnice wrote:
Tue Jul 16, 2019 8:51 am


Yes I am in NY, and it is a 7% guaranteed return. It is tax deferred (until you withdraw the money when you retire).

Who provides the guarantee? Can you contribute more than 10%?
by BlueCable
Tue Jul 16, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 102
Views: 6051

Re: College cost prediction and savings for 5, 3, and newborn

17 years out, I'm not trying to predict college costs. I contribute the maximum state deduction amount of about $7k per year.

When we get closer, costs should be more predictable and we'll adjust as necessary. Leftovers stay for grandchildren.
by BlueCable
Mon Jul 15, 2019 6:53 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5356

Re: Phase out EF?

I keep my emergency fund in I-Bonds. I am replacing the 0% fixed rates ones with 0.5% bonds as long as the rate stays there. Does that mean I have a 85/15 asset allocation with an additional $50k in I-Bonds for an emergency fund, or do I have a 78/22 asset allocation with no emergency fund? It's all...
by BlueCable
Mon Jul 15, 2019 6:53 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5356

Re: Phase out EF?

I keep my emergency fund in I-Bonds. I am replacing the 0% fixed rates ones with 0.5% bonds as long as the rate stays there. Does that mean I have a 85/15 asset allocation with an additional $50k in I-Bonds for an emergency fund, or do I have a 78/22 asset allocation with no emergency fund? It's all...
by BlueCable
Sun Jul 14, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 7475

Re: I think i can spend 30k on this vacation, but wife not sure

Thanks to all. I suppose expenses for college could be 300-400k for kids, and that means less net worth. I plan on paying that no matter what. It seems like most say I can afford this trip, but some are skeptical. I guess my expenses could be 150k in retirement, so I would need 6-7.5 M. Seems like ...
by BlueCable
Sun Jul 14, 2019 2:42 pm
Forum: Personal Investments
Topic: Grandparent 529s
Replies: 29
Views: 2291

Re: Grandparent 529s

Are their parents aware of these gifts?
by BlueCable
Sat Jul 13, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 7475

Re: I think i can spend 30k on this vacation, but wife not sure

You could retire now, never work another day in your life, and still afford this trip.
by BlueCable
Sat Jul 13, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 145
Views: 7897

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

Have you considered becoming a software developer? About a year ago I toyed with the idea of getting into a software engineering program. To me, it seems that software developers are the current trend and also a fairly volatile career path working for start-ups at least. Thank you for the input tho...
by BlueCable
Sat Jul 13, 2019 9:00 am
Forum: Personal Investments
Topic: First post of confused retiree
Replies: 20
Views: 3481

Re: First post of confused retiree

What are your expenses? Do you wish to leave any money behind? It would take roughly $2.5M to purchase annuities with the same monthly payout as your pensions (ignoring taxes). Given that $2.5M, your brokerage account represents less than 10% of your assets. Without knowing the answers to the quest...
by BlueCable
Mon Jul 08, 2019 6:57 pm
Forum: Personal Investments
Topic: FIRE question
Replies: 12
Views: 1850

Re: FIRE question

I plan to do this using 72t Substantially Equal Periodic Payments, starting in my mid 40s.
by BlueCable
Mon Jul 08, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 73
Views: 6778

Re: (Tall) Buyer Beware: Honda Accord.

This is a reason I'm seriously considering Carvana for my next car. You get a week to return it if you aren't liking it, so you have a better chance of identifying issues like this.
by BlueCable
Mon Jul 08, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 73
Views: 6778

Re: (Tall) Buyer Beware: Honda Accord.

This is a reason I'm seriously considering Carvana for my next car. You get a week to return it if you aren't liking it, so you have a better chance of identifying issues like this.
by BlueCable
Wed Jul 03, 2019 5:39 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 15311

Re: Peloton spin bike worth the high cost?

I use my road bike, smart trainer, and Zwift. Family members that are serious triathletes do the same. Peletons are perfect if you are looking for conspicuous consumption.

Maybe Peleton makes more sense if you're not a cyclist with a bike already.
by BlueCable
Tue Jul 02, 2019 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Lock in 30y Mortgage Rate at 3.875%?
Replies: 56
Views: 4713

Re: Lock in 30y Mortgage Rate at 3.875%?

I'm refinancing a 15yr from 4% to 2.875% right now. We've only had this loan 6 months.

Rates might go lower, but rates are almost to historical lows. If things get wacky and drop to 2.25%, I'd do another refinance, which would breakeven in two years.
by BlueCable
Tue Jul 02, 2019 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Question of integrity
Replies: 40
Views: 3975

Re: Question of integrity

Is it leaving for a new employer? For a 30% raise, I would certainly do it if I liked the position.

If your company really wanted to prevent this, they would offer a pension or some other long-term benefit that incentives you for staying and reduced the allure of a 30% raise.
by BlueCable
Sun Jun 16, 2019 7:18 am
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 212
Views: 22713

Re: How have your homes as investments done?

When including imputed rent, my first house had the following approximate annual returns: 40% 25% <-- drop occurred because we moved from 10% equity to 20% 18% <-- very expensive repair 19% 17% We lived there for 4.5 years. Selling price was 15% higher than buying price. This was a starter home for ...
by BlueCable
Sun Jun 09, 2019 10:12 am
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 16865

Re: Insights from Vanguard

Err... They really should post this as a question to the board as part of a portfolio review. A young adult should not be in a position of having to save 30% of income in order to retire. That is about double the typical rule of thumb. Saving 30% of $70,000 for forty years with 3% real return gets ...
by BlueCable
Thu May 30, 2019 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17271

Re: Fun paid jobs after FIRE

I've thought about being a substitute teacher after I quit working my "real job." Local school district pays $135 per day, and are always looking for more substitute teachers. - no summer hours - decide each day whether I want to work - no planning stress - school lets out early/mid afternoon. Plent...
by BlueCable
Sat May 11, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Advice sought for my Son, Career and Investing
Replies: 14
Views: 984

Re: Advice sought for my Son, Career and Investing

You don't want to live like "professionals." Live like you make half as much as you do. Read The Millionaire Next Door.

What kind of EE are you? Power, software, control, semiconductors, electronics,? EE is a huge field and the advice varies based upon your skills and interests.
by BlueCable
Sat May 11, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1125
Views: 164908

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I just received a mailing suggesting I bring my 1.5T Civic in for a software update. They don't list oil dilution explicitly, but they mention the update will allow the engine to heat more quickly in cold weather. Previously, I read that this is Honda's fix to oil dilution issue.
by BlueCable
Sat May 11, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6602

Re: Continue working for benefit of adult children or retiring earlier?

It's been a while since I read it, but I recall that one of the conclusions from The Millionaire Next Door is that subsidizing your adult children's lifestyles will leave them worse off. There's a spectrum between kicking them out at 18 and financing their BMWs through their forties. I hope to pay f...
by BlueCable
Thu May 09, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3189

Re: Leaving Employer to Work for Current Client?

I did this, and it turned out great. It was hard to tell my original employer that I was leaving for the client becauseI had a great relationship with them. Ultimately, unless there is a contractual agreement between employer and the client prohibiting your move, likely the relationship is more impo...
by BlueCable
Tue May 07, 2019 6:30 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with variable bonus?
Replies: 24
Views: 1897

Re: What do you do with variable bonus?

Save it. Never rely on it to make our budget and savings goals work, even though it can be as much as 40% of my annual salary.