Search found 947 matches

by badbreath
Wed Jun 03, 2020 12:19 am
Forum: Personal Consumer Issues
Topic: Looking for Shredder Recommendations
Replies: 24
Views: 1082

Re: Looking for Shredder Recommendations

Look into the Fellowes brand
by badbreath
Sun May 31, 2020 11:19 pm
Forum: Personal Investments
Topic: What to do after maxing 401k and emergency fund?
Replies: 20
Views: 1974

Re: What to do after maxing 401k and emergency fund?

Here is what I see, you are all over the place and need to consolidate. Investments 1. Vanguard 401k from prior employer: $111,937 Vanguard Equity Income Fund Admiral (VEIRX): $5,216 Move to Vanguard Institutional 500 Index Trust • Vanguard Growth Index Fund (VIGIX): $19,516 Move to Vanguard Institu...
by badbreath
Wed May 20, 2020 1:25 am
Forum: Personal Consumer Issues
Topic: Refrigerator Malfunction
Replies: 20
Views: 1444

Re: Refrigerator Malfunction

repeat OPPs
by badbreath
Wed May 20, 2020 1:25 am
Forum: Personal Consumer Issues
Topic: Refrigerator Malfunction
Replies: 20
Views: 1444

Re: Refrigerator Malfunction

badbreath wrote: ↑Mon May 18, 2020 1:08 am
It most likely not the ice maker and that it is going into the defrost mode which can sound like a hum.
Would that happen with a duration of one second repeating every 15 seconds?
Yes as it switches on and off not to heat up the freezer to much
by badbreath
Wed May 20, 2020 1:10 am
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6453

Re: Discarding Music CDs

badbreath wrote: ↑Tue May 19, 2020 8:47 pm
sell your CDs to declutter.com you won't get much but something
I'd love to sell our old CDs somewhere. I don't think declutter.com is an active website anymore. Any other suggestions?

of corse they have to use .com spelling its

decluttr.com
by badbreath
Wed May 20, 2020 1:02 am
Forum: Personal Investments
Topic: $15,000 bonus
Replies: 20
Views: 2747

Re: $15,000 bonus

What I do is max out Roths or IRA if it makes tax sense then put the reset in a taxable account.

I would also consider if this is a bonus from work to up bonus contribution to your 401k just make sure your company does a true up on company contributions.
by badbreath
Tue May 19, 2020 7:47 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6453

Re: Discarding Music CDs

sell your CDs to declutter.com you won't get much but something
by badbreath
Mon May 18, 2020 12:08 am
Forum: Personal Consumer Issues
Topic: Refrigerator Malfunction
Replies: 20
Views: 1444

Re: Refrigerator Malfunction

It most likely not the ice maker and that it is going into the defrost mode which can sound like a hum. Good suggestions on seeing if it is the ice maker
by badbreath
Sat May 09, 2020 12:53 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20138

Re: What are you doing for haircuts due to coronavirus shutdown?

I am just going to let it grow as I did when in College. I would let it grow for the semester then go home for break and my Mom would say your hair is to long and give me cash to get it cut.

I have also been growing out my whiskers. When times are different its time to do something different.
by badbreath
Thu May 07, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: Does keeping ice packs in fridge save energy?
Replies: 27
Views: 2701

Re: Does keeping ice packs in fridge save energy?

Will the ice packs help in a power outage? No not really since the refrigerator relies on a cold air circulating from the freezer which uses dampers and fans which need electricity.
by badbreath
Tue May 05, 2020 11:34 pm
Forum: Personal Consumer Issues
Topic: New Refrigerator: Problems? Solutions?
Replies: 18
Views: 1771

Re: New Refrigerator: Problems? Solutions?

Question 1: I placed two thermometers in each compartment, and the readings are pretty consistent between thermometers per compartment. But, the readings suggest that the thermostat is not providing accurate temperatures. For example, if I set the thermostat for 37, I'm getting 40. If I set it for ...
by badbreath
Tue May 05, 2020 1:01 am
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4666

Re: Front load washing machine recommendations

I would just get a Whirlpool or Maytag.

dependable and you can get parts quickly if they break down
by badbreath
Sun May 03, 2020 10:11 pm
Forum: Personal Investments
Topic: Getting 300k cash. What should we do with it?
Replies: 23
Views: 3961

Re: Getting 300k cash. What should we do with it?

This one
- Lump-sum in taxable brokerage (our original plan)?
by badbreath
Fri Apr 24, 2020 11:56 pm
Forum: Personal Consumer Issues
Topic: [recommend a basic] refrigerator
Replies: 22
Views: 1719

Re: refrigerator

for what your looking for just get a Whirlpool. Very reliable in the size you are looking for.
by badbreath
Thu Apr 23, 2020 1:14 am
Forum: Investing - Theory, News & General
Topic: Has your AA Changed recently?
Replies: 12
Views: 658

Re: Has your AA Changed recently?

I have not changed my AA and it has not varied past 5% for me to think about rebalancing. I 'm just going to do nothing like Jack B said to do.
by badbreath
Sun Apr 19, 2020 12:55 am
Forum: Personal Investments
Topic: Won the game early -- worried about bond holdings
Replies: 54
Views: 4846

Re: Won the game early -- worried about bond holdings

by flybird145 Current Breakdown: 401k: 0.6M (VBTLX total bond) Roth IRA 0.150M (gold, IAU) Individual Treasuries (6 mo, 1 yr): 0.4M I-bonds: 0.2M Taxable: CA Muni Bonds (long term): 1.2M US Muni Bonds (short term): 0.6M US / International Equities: 1.5M Cash is in CD I agree with you that a 50/50 p...
by badbreath
Thu Mar 19, 2020 4:47 pm
Forum: Personal Investments
Topic: When will S&P 500 go back to 3386 ?
Replies: 98
Views: 6250

Re: When will S&P 500 go back to 3386 ?

July 2021
by badbreath
Thu Mar 12, 2020 12:29 am
Forum: Personal Investments
Topic: Investment checkup
Replies: 2
Views: 209

Re: Investment checkup

I think you are doing fine.

two things to fine-tune.

1. Get rid of the car lease, that is to much $$ for something you will not own.
2 As you get cost of living/rases increase your contribution to your 401K, It would be better if you were at 15 to 20%
by badbreath
Tue Feb 11, 2020 12:44 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 19710

Re: What is your most luxury/expensive hobby.

Restoring a 1948 Lincoln Continental. the parts are very expensive
by badbreath
Sun Feb 02, 2020 9:22 am
Forum: Personal Investments
Topic: Investment Allocation for 22 year old
Replies: 66
Views: 3467

Re: Investment Allocation for 22 year old

The Target Date fund is great and low cost. Whats relay more important is to how much you put in it
by badbreath
Sun Jan 26, 2020 1:36 am
Forum: Investing - Theory, News & General
Topic: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?
Replies: 113
Views: 5783

Re: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?

When 08, 09 happened I would look at my statements and say that's not good. I was at the time 100% stocks, but I keep investing 15% into my 401k.

Seems to have worked out well in the long run to just stand there and do nothing :beer
by badbreath
Sat Dec 28, 2019 11:53 pm
Forum: Personal Investments
Topic: Roth IRA question
Replies: 3
Views: 356

Re: Roth IRA question

forgot about the limpets which I am under
by badbreath
Sat Dec 28, 2019 11:35 pm
Forum: Personal Investments
Topic: Roth IRA question
Replies: 3
Views: 356

Roth IRA question

Just a question,
If I max out my 401k can I still put money into a Roth? Or is it 401k - Roth contribution
by badbreath
Sun Oct 27, 2019 12:41 am
Forum: Personal Investments
Topic: New high income earner
Replies: 39
Views: 5462

Re: New high income earner

Non retirement taxable investment account:
$33000 (80% Vanguard total stock market fund, 10% Vanguard Intl Stocks, 10% Vanguard total Bond market fund)
only thing I would say is put the 10% bounds into your 401k for more tax efficiency
by badbreath
Sat Oct 12, 2019 9:39 pm
Forum: Personal Investments
Topic: Young Investor - Portfolio Advice
Replies: 10
Views: 1156

Re: Young Investor - Portfolio Advice

Current retirement assets Taxable 7% cash 4% American Balanced Fund, Class A (ABALX) (0.57) 4% American Balanced Fund, Class C (BALCX) (1.36) 6% Vanguard LifeStrategy Growth Fund (VASGX) (0.14) 8% United Technologies Corporation (UTX) 42% First Midwest Bancorp, Inc. (FMBI) I would move all this to ...
by badbreath
Sat Jun 15, 2019 10:14 pm
Forum: Personal Investments
Topic: Should I invest 100k into a total index or do it slowly
Replies: 58
Views: 7267

Re: Should I invest 100k into a total index or do it slowly

I do not understand, if you are putting in $100,000 a month are you not DCA over the year anyway?

Just put it all in as you get it. Makes it easy to control.
by badbreath
Thu Apr 25, 2019 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: What to pay off home or investment mortage.
Replies: 11
Views: 1436

Re: What to pay off home or investment mortage.

I would do the home first. You have to live some were and your home seems better then living in the rental
by badbreath
Thu Apr 25, 2019 11:20 pm
Forum: Personal Investments
Topic: My fee only advisor at .8%
Replies: 57
Views: 9312

Re: My fee only advisor at .08%

I would work with the PAS to get your funds down to 3 or 4 funds. Once you understand the investments you can stop using them
by badbreath
Mon Dec 17, 2018 11:21 pm
Forum: Investing - Theory, News & General
Topic: Stay the course but i still have questions! ("reduce exposure")"
Replies: 5
Views: 712

Re: Stay the course but i still have questions! ("reduce exposure")"

by rghost

BUT once you are IN a 401K and ROTH, you cant "reduce exposure" without extreme tax penalties right?
There is no tax penalty to moving funds around in a 401k or a Roth, Only in a taxable.
by badbreath
Sun Dec 09, 2018 1:34 am
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 6107

Re: Has anyone adjusted their stock allocation on the dip?

No I just added to my taxable and nontaxable accounts as usual.

So I buy some stocks at a discount that's great
by badbreath
Sun Dec 09, 2018 1:19 am
Forum: Investing - Theory, News & General
Topic: Christine Benz next podcast guest
Replies: 14
Views: 1936

Re: Christine Benz next podcast guest

I would want her what her investment portfolio is since at the end of every one of her blogs says she has no investment in the funds
by badbreath
Sun Dec 02, 2018 10:25 am
Forum: Personal Investments
Topic: My kid's retirement
Replies: 49
Views: 3666

Re: My kid's retirement

Here is what Go Curry Cracker has done

https://www.gocurrycracker.com/gccjr-for-hire/
by badbreath
Thu Nov 08, 2018 12:26 am
Forum: Personal Investments
Topic: First time invester, help needed please
Replies: 113
Views: 8029

Re: First time invester, help needed please

Yes, the second plan is much better
by badbreath
Wed Oct 24, 2018 10:30 pm
Forum: Personal Investments
Topic: fee only adviser
Replies: 3
Views: 601

fee only adviser

Who is the organization that is only fee only. would like to refer this to a friend
by badbreath
Wed Oct 24, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Need New Refrigerator
Replies: 20
Views: 2510

Re: Need New Refrigerator

If I was looking for a 48" Built in it would be a Kitchenaid, Jennair or Sub Z. Better reliability then the other brands in that area.
by badbreath
Mon Oct 15, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 54
Views: 5992

Re: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]

This is why it’s good to only check in on your portfolio occasionally. You miss stuff like this
Your looking to many times a day at your funds. look only once a quarter, it will be much smother
by badbreath
Wed Oct 10, 2018 8:10 pm
Forum: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 48
Views: 5937

Re: West Michigan Bogleheads Chapter - Who's interested?

I am from St Joe and would be interested.
by badbreath
Mon Oct 01, 2018 9:06 pm
Forum: Personal Investments
Topic: Bonds... Why do people bother with them. ?
Replies: 71
Views: 8051

Re: Bonds... Why do people bother with them. ?

What I see is a different issue, what you have invested in to Current Asset allocation: 65k Roth Vanguard 500 401k for double expense ratio (usury) 100k Roth Vanguard 500 growth IRA 90k Vanguard 500 I would take the 90K Vanguard 500 and put it into the Total Stock Market so you can get some Mid and ...
by badbreath
Tue Sep 18, 2018 9:53 pm
Forum: Personal Investments
Topic: Help with limited 401k fund options
Replies: 7
Views: 598

Re: Help with limited 401k fund options

8. VANGUARD VALUE INDEX FUND INSTITUTIONAL VIVIX DOMESTIC STOCK Vanguard Value Index Fund Institutional VIVIX Domestic Stock 9. WF/BLACKROCK S&P 500 INDEX CIT N DOMESTIC STOCK WF/BlackRock S&P 500 Index CIT N Domestic Stock 10. DODGE & COX INTERNATIONAL STOCK FD DODFX INTERNATIONAL STOCK Dodge & Co...
by badbreath
Tue Sep 18, 2018 9:53 pm
Forum: Personal Investments
Topic: Help with limited 401k fund options
Replies: 7
Views: 598

Re: Help with limited 401k fund options

8. VANGUARD VALUE INDEX FUND INSTITUTIONAL VIVIX DOMESTIC STOCK Vanguard Value Index Fund Institutional VIVIX Domestic Stock 9. WF/BLACKROCK S&P 500 INDEX CIT N DOMESTIC STOCK WF/BlackRock S&P 500 Index CIT N Domestic Stock 10. DODGE & COX INTERNATIONAL STOCK FD DODFX INTERNATIONAL STOCK Dodge & Co...
by badbreath
Sat Sep 15, 2018 8:50 pm
Forum: Personal Investments
Topic: Critique, what can I do better?
Replies: 7
Views: 809

Re: Critique, what can I do better?

-Im thinking of adding 10-20% allocation to small caps SWSSX to my allocation, hopefully to reap a few more percentage points over, well probably 40 years in the ira, hopefully. Not needed at this point in time, invest in the total stock which has the smalls in it -Rebancing the allocation quarterl...
by badbreath
Sat Sep 15, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Help w/ large annual bonus
Replies: 16
Views: 2079

Re: Help w/ large annual bonus

Rick Ferri has written up a good post on this.

https://rickferri.com/6-ideas-for-lump-sum-investing/

I personaly would do a lump sum. Then you can move on with your life.
by badbreath
Mon Sep 10, 2018 12:17 am
Forum: Personal Investments
Topic: Money Market vs CD vs Bond fund vs .... Cash
Replies: 11
Views: 3463

Re: Money Market vs CD vs Bond fund vs .... Cash

What are the cash accounts for, how do they fit into your overall portfolio?

I hold cash so just am asking for the reason why so much cash.

I would put as much as you fell comfortable with in
Vanguard - various stock & bond funds.... Total Bond, Muni Bond
. But thats me.
by badbreath
Sun Sep 09, 2018 11:54 pm
Forum: Personal Investments
Topic: New Investor Seekng Advice
Replies: 6
Views: 673

Re: New Investor Seekng Advice

Good advice so far. I would also suggest reading

Common Sense on Mutual Funds: 10th Anniversary Edition
The Bogleheads' Guide to Investing
The Bogleheads' Guide to Retirement Planning

They can be found here

www.bogleheads.org/RecommendedReading.php
by badbreath
Thu Sep 06, 2018 8:30 pm
Forum: Personal Investments
Topic: Need advice on starting Vanguard Roth IRA
Replies: 6
Views: 631

Re: Need advice on starting Vanguard Roth IRA

keep in mind what PFInterest said above that you should also keep in mind that you should can look at your entire portfolio as one rather than making a small 3 fund portfolio in each type of account. that becomes particularly important if you need to start some taxable account investing so that you...
by badbreath
Wed Sep 05, 2018 8:37 pm
Forum: Personal Investments
Topic: Pension early distribution options
Replies: 12
Views: 1170

Re: Pension early distribution options

I had a situation like yours, I just took the lump sum.

Reasons
I don't think the company will last in the future.
I could invest it into anything I wanted
have a long time before I have to use it
by badbreath
Tue Sep 04, 2018 11:04 pm
Forum: Personal Investments
Topic: Investment portfolio advice needed!
Replies: 12
Views: 1617

Re: Investment portfolio advice needed!

just put the $10k in a taxable VTSAX or the equivalent ETF