Search found 83 matches

by bh7785
Tue Aug 28, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Need your advice , please
Replies: 11
Views: 1366

Re: Do I have it right

You could just put it all in the Vanguard Target Date Retirement fund and let them handle the balancing for you. That is a very small fee and you'll never have to worry about anything again.
by bh7785
Mon Aug 27, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Your Best Mood Boosting Books (not self-help)
Replies: 29
Views: 2334

Re: Your Best Mood Boosting Books (not self-help)

I like science fiction. I like the fantasy element which usually gets me out of my current situation and engages my imagination. A lot of science fiction is about a main character or a team overcoming an obstacle. Examples: Ender's Game, the Martian, the Dune series (though that is quite heavy). En...
by bh7785
Mon Aug 27, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Man...opening a savings account with Ally is an arduous process.
Replies: 32
Views: 3036

Re: Man...opening a savings account with Ally is an arduous process.

I recently opened online accounts at both Redneck and Discover. Good rates (for 'emergency funds'), both were dead simple. Haven't had any issues with either and am happily earning 2% and 1.75% respectively.
by bh7785
Thu Aug 23, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8485

Re: $65K Fun Daily Driver

You should definitely sell your 911...to me. :)
by bh7785
Mon Aug 20, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 21
Views: 1689

Re: Free Tire Change of Flat

AAA wrote:
Fri Aug 17, 2018 3:49 pm
carolinaman wrote:
Fri Aug 17, 2018 7:08 am
AAA will come to where your car is when you have a flat and change it for you.
No I won't. :wink:
:o :o
by bh7785
Fri Aug 17, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 21
Views: 1689

Re: Free Tire Change of Flat

I wonder what AAA (or roadside assistance from insurance companies or credit cards, for that matter) does for cars that don't have a spare? My recollection is that perhaps one-third of all new cars don't come with a spare tire. One third? I find that hard to believe. Camry, Accord, F-150, Silverado...
by bh7785
Wed Aug 15, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2804

Re: 33 Male, how am I doing?

I cringe every time I hear a young man wanting to save for a down payment or go ahead and buy a house before finding a spouse. :oops: Your finances are fantastic for your position in life, consider improving health, happiness, emotional, family security. Finding the right mate may be the most impor...
by bh7785
Wed Aug 15, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2804

Re: 33 Male, how am I doing?

Looks like you're doing pretty good to me. I bought my first house on a $45k salary, I don't understand how people say they can't do it. I didn't have a lot of money leftover, but I wasn't living check to check either.
by bh7785
Wed Aug 15, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3424

Re: Best consumer products - made in USA

Darn Tough socks were life changing for me. Ok, maybe just switching to quality socks, but Darn Toughs are definitely my favorite by far!
by bh7785
Wed Aug 15, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7260

Re: When is leaving your job that pays well a good idea?

We've all been there. One of my best friend's was in the IT industry, making well over $100k annually while only working ~30 hours/week. He also felt it was soulcrushing, and after doing it for a number of years was able to save up a lot of money. 3 months ago he quit his job and moved to Japan to t...
by bh7785
Wed Aug 08, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 32
Views: 2207

Re: Has anyone taken out an online mortgage?

I went through Consumer Direct Mortgage (FirstBank). It wasn't too bad. Not as smooth as when I went through Bank of America previously.
by bh7785
Wed Aug 08, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6301

Re: are mccormick gourmet spices better

hello, are mccormick gourmet spices better than the regular mccormick spices? how about compare with simply organic? or 365 brand? i enjoy finding good spices to cook. but i am also curious why mccormick stock has gone up so much recently. thanks. Order online . Search for Penzy’s Spices. Wonderful...
by bh7785
Mon Aug 06, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 2615

Re: Getting the stink out of synthetic shirts

What's the rationale for not using fabric softener? I've tried the white vinegar trick without success. My gym/soccer clothes still have the "perma-stink". I've noticed it's much more prevalent in the synthetic/blend shirts as you mentioned, as opposed to just cotton.
by bh7785
Mon Jul 30, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Use attorney or software for simple will
Replies: 35
Views: 2697

Re: Use attorney or software for simple will

I just made a free one online, but I have a VERY simple estate and not worth nearly as much as you. With those sort of assets I'd spend a little on getting a real will drafted through an attorney.
by bh7785
Wed Jul 18, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with Redneck bank?
Replies: 13
Views: 1642

Re: Anyone have experience with Redneck bank?

I park my emergency funds in redneck. 2% is better than nothing, and the money is safe/liquid. And that silly ATM card...
by bh7785
Thu Jul 12, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5783

Re: Where do you keep your Emergency Fund?

Redneck bank 2%, where bankin's funner.
by bh7785
Tue Jul 10, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3424

Re: What’s the median income of Bogleheads?

This thread makes me feel poor.
by bh7785
Tue Jul 10, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5783

Re: Where do you keep your Emergency Fund?

VSBSX: Vanguard Admiral Short Term Treasury Index Fund. Right now the SEC Yield is 2.48%. Pardon my naivety, but the SEC Yield means that this fund will pay approximately 2.48% per year in dividends/interest, but this fund is still susceptible to the volatility of the market (its value could go up ...
by bh7785
Tue Jul 10, 2018 7:47 am
Forum: Investing - Theory, News & General
Topic: 1 month Brokered CD, at 1.8%, Why?
Replies: 9
Views: 970

Re: 1 month Brokered CD, at 1.8%, Why?

Discover online savings account is 1.75%, and Redneck is 2%.
by bh7785
Mon Jul 09, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 207
Views: 34740

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

I perused the thread but am not seeing the answer to my question: How is this book different than Taylor's first book?
by bh7785
Mon Jul 09, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for 26 year old
Replies: 6
Views: 627

Re: Portfolio advice for 26 year old

Without more information, how about Vanguard Target Retirement (2055?). You could save a little bit by choosing the funds yourself, but for 0.14% ER it's a heck of a deal. Set and forget, just keep contributing.
by bh7785
Tue Jul 03, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Cordcutters - Playstation Vue
Replies: 30
Views: 3666

Re: Cordcutters - Playstation Vue

Try YoutubeTV. I think it is the best of all the other services (Vue, DirectTvNow, Sling) and is $40/mo. Really good cloudDVR with unlimited storage. But yeah, as streaming is starting to take over, the prices have been going up across the board.
by bh7785
Wed Jun 13, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Long-term gains and Tax Bracket
Replies: 14
Views: 1734

Re: Long-term gains and Tax Bracket

C) Other??? Is the order in which income is calculated irrelevant in the final calculation? Order very much DOES matter! I know this is not a realistic example and it leaves a lot of factors out of the equation. However, I hope it illustrates the crux of my issue. Is there any good reading on this ...
by bh7785
Wed Jun 13, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Long-term gains and Tax Bracket
Replies: 14
Views: 1734

Re: Long-term gains and Tax Bracket

Thank you all, this is exactly what I was looking for. I suspected the order of how the incomes were used was significant, but I couldn't find it in my searching.
by bh7785
Tue Jun 12, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term gains and Tax Bracket
Replies: 14
Views: 1734

Long-term gains and Tax Bracket

Hi All, I've searched around but haven't been able to find an answer to my question. Perhaps I'm missing some core concept. I don't understand how specially-taxed income (eg Long term gains, Roth withdrawals) and normal income (eg a paycheck from work) are calculated within the tax bracket. Is the "...
by bh7785
Mon Jun 11, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 14256

Re: Best Advice You Never Took

Teague wrote:
Sun Jun 03, 2018 1:22 pm
Never get old.

-Advice given by my grandfather.
My Dad has given me this advice a few times over the course of my life. I really wish I had listened to him.
by bh7785
Mon Jun 11, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 14256

Re: Best Advice You Never Took

Exafchick wrote:
Fri Jun 01, 2018 2:28 pm
Not to marry my first husband...or second!
This made me chuckle. Are you now on your third? :D
by bh7785
Mon Jun 11, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: High expense ratios in Vanguard 401k
Replies: 16
Views: 1555

Re: High expense ratios in Vanguard 401k

It could always be worse. The lowest ER fund available in my company's 401k is 0.8%. And that's a large-cap index fund. The average fund cost is well over 1%
by bh7785
Thu Jun 07, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 9329

Re: Indexing will fail investors in next decade

triceratop wrote:
Thu Jun 07, 2018 11:36 am
Niels Jensen, author of The End of Indexing: Six structural mega-trends that threaten passive investing (Harriman House), is chief investment officer of London-based Absolute Return Partners LLP.
okay.
Haha! :sharebeer
by bh7785
Thu May 31, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: obtainable credit card for teen?
Replies: 8
Views: 564

Re: obtainable credit card for teen?

Plenty of options out there. Have a look at this

https://www.creditcards.com/no-credit/
by bh7785
Tue May 29, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for taxable account.
Replies: 4
Views: 440

Re: Recommendations for taxable account.

That said, I don't see a problem with you going 100% VTSMX in taxable, given the information you've provided
by bh7785
Tue May 29, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for taxable account.
Replies: 4
Views: 440

Re: Recommendations for taxable account.

I believe the general thinking is to put the most tax-efficient funds into a taxable account. Bonds are not considered to be tax-efficient.

You may want to reference this article for more information:

https://www.bogleheads.org/wiki/Tax-eff ... _placement
by bh7785
Thu May 24, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 17762

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

You can split the difference if you wish and pay half the mortgage off and put the rest in your AA. This is what I did. I couldn't really decide between the two, so I just split it down the middle. It's been a year and I feel pretty good about that decision, no regrets. I was initially leaning towa...
by bh7785
Wed May 16, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9361

Re: Is there a boglehead muscle car?

Don't buy a v6 mustang, camaro, or charger/challenger. Aside from being boring to drive, it will be completely worthless in a few years where as the v8 version should retain value pretty well. Besides, everyone laughs at the guy driving a v6 camaro/mustang. Hahaha, so true! You guys are wrong. I th...
by bh7785
Wed May 16, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9361

Re: Is there a boglehead muscle car?

FlyAF wrote:
Mon May 14, 2018 8:46 am
Don't buy a v6 mustang, camaro, or charger/challenger. Aside from being boring to drive, it will be completely worthless in a few years where as the v8 version should retain value pretty well.

Besides, everyone laughs at the guy driving a v6 camaro/mustang.
Hahaha, so true!
by bh7785
Wed May 16, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth quitting my private-sector job and taking a government job so I can invest in the 457 account, too?
Replies: 15
Views: 1810

Re: Is it worth quitting my private-sector job and taking a government job so I can invest in the 457 account, too?

I endured 32 years in those golden handcuffs, reasons I did not leave were the pension, work hours, and time off. From what I know, the private sector would likely not have allowed me to work just the standard 40 hours per week, have those hours be 6:30 am - 3pm (so I was home before kids from scho...
by bh7785
Wed May 16, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 5468

Re: New motorcycle rider

I stopped riding after the takeover of cell phones. Seems like most people are more interested in texting than watching the road. I had several close calls and decided to call it quits. It's just not worth the risk you take, sadly.
by bh7785
Thu May 10, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Keeping ones wits when things are chaotic
Replies: 12
Views: 1529

Re: Keeping ones wits when things are chaotic

Exercise and/or meditation work well for relieving stress.
by bh7785
Wed May 09, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2418

Re: Custom suit needed for a wedding. Help me shop around!!

Frankly I'm shocked to hear that Men's Warehouse should be avoided. I mean, George Zimmer himself guaranteed that you'd like the way you look.

I'm just getting in this thread because I don't own any suits and should probably get one. Interested in what could be had for not a lot of dollars.
by bh7785
Wed May 09, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: Professor Andrew Lo interviews John Bogle
Replies: 10
Views: 2006

Re: Professor Andrew Lo interviews John Bogle

4nursebee wrote:
Wed May 09, 2018 8:47 am
So what are the books on Jacks desk?
The Winds of Winter.
by bh7785
Tue May 08, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with automating investment
Replies: 7
Views: 410

Re: Need help with automating investment

You could just get a target date fund and be done with it.
by bh7785
Tue May 08, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: How are we doing?
Replies: 13
Views: 1908

Re: How are we doing?

Damn, that is downright scandalous :annoyed
by bh7785
Tue May 08, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: DRIP (Dividend Reinvestment Plan)
Replies: 21
Views: 2051

Re: DRIP (Dividend Reinvestment Plan)

I am thinking about buying stocks, and I was wondering if a DRIP plan is good. I've never bought stocks before. It may depend on what you mean by a DRIP plan. As others have pointed out, DRIPs became somewhat popular when brokerage accounts, commissions, etc. were much different that they are today...
by bh7785
Tue May 08, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: How are we doing?
Replies: 13
Views: 1908

Re: How are we doing?

Why are the expense ratios in your 401k so high? For example, you list VAIPX as having an ER of 1.81%, but when I look this fund up it says the ER is only 0.10%. What am I missing here?
by bh7785
Thu May 03, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Fifth Third Bank $200 bonus for a new $50 checking deposit?
Replies: 8
Views: 1159

Re: Fifth and Third Bank $200 bonus for a new $50 checking deposit?

Sounds like a pretty good deal, and you've already called to confirm that its legit. You may also just want to ask that both of you opening separate accounts would also work, even though you're married.

Yes, you will have to pay (income) tax on the bonus.
by bh7785
Tue May 01, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Cellphone use in Europe now inexpensive
Replies: 23
Views: 2752

Re: Cellphone use in Europe now inexpensive

dsmclone wrote:
Mon Apr 30, 2018 12:57 pm
I could care less about making calls. How is the data coverage? Who did you use?
So you do care about making calls?

Image
by bh7785
Mon Apr 23, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with Mr Cooper
Replies: 16
Views: 3674

Re: Paying off mortgage with Mr Cooper

I don't really understand that thinking. If you've paid off your house, I assume you probably have no other debts either. This means you can just take the standard deduction and be happy, no?
by bh7785
Fri Apr 20, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: So many problems I can't even figure out how to prioritize them
Replies: 27
Views: 3045

Re: So many problems I can't even figure out how to prioritize them

Sounds to me like the NES and SNES should be priority items.
by bh7785
Fri Apr 20, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Do Apple products need Norton anti Virus?
Replies: 12
Views: 1169

Re: Do Apple products need Norton anti Virus?

spoonfork wrote:
Fri Apr 20, 2018 1:37 pm
Even Windows doesn't need it. The built-in Windows firewall, automatic security updates, and Windows Defender will do as good a job or better than Norton.
.