Search found 163 matches

by helloeveryone
Fri Nov 16, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: best way to find flights
Replies: 12
Views: 1386

Re: best way to find flights

Pizza_and_Beer wrote:
Thu Nov 15, 2018 1:44 pm
I recommend Google Flights.
+1
by helloeveryone
Thu Nov 15, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: High lumen outdoor LED bulbs
Replies: 6
Views: 534

Re: High lumen outdoor LED bulbs

I'm trying to find the largest (highest lumen) A19 or maybe A21 led bulb for use in an exterior fixture. It's not entirely enclosed and won't get hit with elements, but is otherwise outdoors. I'm in the northeast so it gets cold in winter and humid in summer. I keep coming across what look to be go...
by helloeveryone
Wed Nov 14, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: "What If You Retire At a Stock Market Peak?" - by Ben Carlson
Replies: 49
Views: 5818

Re: "What If You Retire At a Stock Market Peak?" - by Ben Carlson

is 60:40 stock:bond a good general rule of thumb throughout all of retirement? Everyone's situation and temperament is different. Some go 100/0, some go 0/100. Vanguard's Target Retirement funds eventually transition to the Target Retirement Income fund, which is 30/70. Vanguard's LifeStrategy Inco...
by helloeveryone
Wed Nov 14, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 41
Views: 2278

Re: Garmins & Fitbits: Worth it for non-athletes?

I use a garmin (forerunner 225) - things I like about it 1) tracking my hikes (~1 a week) - I get average pace per mile, average HR and max HR, elevation, time in different heart rate zones. It’s kind of fun having that extra data. Doesn’t change what I do though. 2) I turn it on when I work out to ...
by helloeveryone
Wed Nov 14, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: "What If You Retire At a Stock Market Peak?" - by Ben Carlson
Replies: 49
Views: 5818

Re: "What If You Retire At a Stock Market Peak?" - by Ben Carlson

Interesting read. But what does the nominal look like? Obviously 4% of 1MM is 40k, but if you can't live on 20K per year, and you're pulling 4% of 500k after a market crash, how does that look? Wouldn't you be pulling it from your bond allocation since, after stocks have tanked, it is overweight? I...
by helloeveryone
Tue Nov 13, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 83
Views: 5941

Re: Too many choices for my next TRUCK

"Not to split hairs, but if you add the Silverado and Sierra sales together, GMC on the whole outsells the F-150."


True...see what do I know about trucks :oops: I would love to have a loaded any of the top 3 but then I would have a tremendous FIRE setback
by helloeveryone
Mon Nov 12, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 129
Views: 6136

Re: Roth vs. Traditional 401k

It gets worse for you. You are foregoing free money from the government due to tax credits. Check out Earned Income Tax Credits and Saver's credits. You could be paying 0% or negative tax instead of 22% if you contribute to Trad. 401K. is it because if he contributes max to 401K he is now in the $50...
by helloeveryone
Mon Nov 12, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2423

Re: Still spending too much on non-essentials

I don’t think you can chalk that up as non-essential. I spent maybe $500 between amazon and ebay last year but it was for things like a rebuild kit for my worn out chain saw, motor oil and filters and filters, and hydraulic fluid for my tractor. All I consider essential No, these purchases really a...
by helloeveryone
Sun Nov 11, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 129
Views: 6136

Re: Roth vs. Traditional 401k

You are currently in the 24% bracket. It takes ~$2.5 million in traditional accounts for a 4%/yr withdrawal rate on those alone to get out of the 12% bracket. Until you expect to reach that amount, putting 100% into the traditional 401k is likely best. Could you explain this? For 2018 the 12% tax b...
by helloeveryone
Sun Nov 11, 2018 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 129
Views: 6136

Re: Roth vs. Traditional 401k

You are currently in the 24% bracket. It takes ~$2.5 million in traditional accounts for a 4%/yr withdrawal rate on those alone to get out of the 12% bracket. Until you expect to reach that amount, putting 100% into the traditional 401k is likely best. Could you explain this? For 2018 the 12% tax b...
by helloeveryone
Thu Nov 08, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Career/Life Advice Needed - When to start a business?
Replies: 20
Views: 1441

Re: Career/Life Advice Needed - When to start a business?

This community is filled with incredibly smart, generous folks, and I’m hoping that you all can give me some much-needed career/life guidance. A bit of background first: • Personal: Spouse and two kids (under 5) living in MCOL area. • Financial: Household income is ~$500k, NW is ~$1.5M which includ...
by helloeveryone
Thu Nov 08, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3635

Re: aerobic exercise: rower vs. treadmill and elliptical

hicabob wrote:
Thu Nov 08, 2018 1:29 pm
Try before you buy if possible (free trial at local gym?) . Some people like rowers, some not so much.
+1. this is a nice rec. Get free 7 day pass and use at will
by helloeveryone
Thu Nov 08, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 83
Views: 5941

Re: Too many choices for my next TRUCK

Ok, so I thought I was done shopping for pick up truck. I narrowed it down to either a 2018 Nissan Titan (SV) or a 2019 Toyota Tundra (SR 5.7L). They were priced in the $30K range. I was going to decide this month and pick one up. Done! But then I saw that the 2018 Ford F150 (2.7/3.5L Ecoboost) and...
by helloeveryone
Tue Nov 06, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: organizations that help sea animals
Replies: 11
Views: 756

Re: organizations that help sea animals

I'm looking at charities to include in my will. I'm particularly looking for organizations that help sea animals. I spoke to Ocean Conservancy, and they seem to mostly do policy work. That is important, but I also want hands on the ground so to speak. Charity Navigator gives them the highest rating...
by helloeveryone
Tue Nov 06, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14564

Re: How much money are you leaving your kids after you die?

What my perfect situation is to set up some charity to give away money each year and they can have a set salary to administer that charity. That way they make some extra money by WORKING and hopefully lets them see the benefits of helping those less fortunate. Good luck. As another poster mentioned...
by helloeveryone
Tue Nov 06, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1819

Re: Buying a used car

Thanks. I am interested in the below. 1. Pre-Owned Four Door SUV 2. Most reliable, lowest anticipated maintenance costs for 5 years 3. Based on #2, would love to hear recommendations on brands and mileage, year which would best accomplish #2. Concerning my Pathfinder comment, my last two cars have ...
by helloeveryone
Tue Nov 06, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1680

Re: Need ideas for unusual gifts for preteen boy

It's getting harder to find gifts for my preteen boy. Legos and nerfs don't work any more(or other major brands) I am hoping to find unusual gifts to surprise him. The last two good ideas I had and were well received were: 3D 2pac socks and uncle Milton roly poly playground. Unfortunately I don't c...
by helloeveryone
Mon Nov 05, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: 80 year old wants to invest $100k to get ~$10k annually. Options?
Replies: 22
Views: 3861

Re: 80 year old wants to invest $100k to get ~$10k annually. Options?

Big mistake selling the rental... could you expand on that? i’m just curious. there is not enough info from OP post about a rental that cost 100K generating 10k per year but i dont know enough about rentals to know what you mean. we have a ~$120k rental but still owe on it. When we are retirement a...
by helloeveryone
Mon Nov 05, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: 80 year old wants to invest $100k to get ~$10k annually. Options?
Replies: 22
Views: 3861

Re: 80 year old wants to invest $100k to get ~$10k annually. Options?

Big mistake selling the rental... could you expand on that? i’m just curious. there is not enough info from OP post about a rental that cost 100K generating 10k per year but i dont know enough about rentals to know what you mean. we have a ~$120k rental but still owe on it. When we are retirement a...
by helloeveryone
Sun Nov 04, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Buying a mini-van
Replies: 25
Views: 1799

Re: Buying a mini-van

I have two sedans (Tesla model S and Honda Accord) however I'm thinking of buying a mini-van for two reason. Hauling larger items and also when going with our 2 year old it'd be nice to have a rear entertainment system. It's otherwise not needed. What do bogleheads think of this purchase. Low cost ...
by helloeveryone
Sun Nov 04, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3396

Re: Please help me with my car decision

Bogleheads, Thank you for all you do. I would appreciate your kind advice: Situation: 1. I drive 3 miles to work most days. Sometimes 7 miles. Very occasionally 60 miles to cover distant hospital. Maybe 5x a year. Not in winter usually. I drive a Porsche for about 7 months a year. 2 seater rwd. 2. ...
by helloeveryone
Wed Oct 31, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4662

Re: Am I Risking My Life to Sell My Car?

I find myself in a bit of a quandary. Following the advice I received in a previous post, I went to CarMax and got a quote for my car that I really want to sell. The quote is good for 7 days and so I drove home to think about the quote. I've decided it is a fair price and want to sell it to them. (...
by helloeveryone
Tue Oct 30, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12639

Re: Am I doing well financially?

I feel like I am doing better than most, but not as well as I should be at my age. What can I do differently/improve upon? Seems like my only option is to find a way to increase my income. I also live in the midwest, similar ages, with 2 kids, an income about 20% less than yours, and a housing paym...
by helloeveryone
Tue Oct 30, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12639

Re: Am I doing well financially?

I feel like I am doing better than most, but not as well as I should be at my age. What can I do differently/improve upon? Seems like my only option is to find a way to increase my income. I also live in the midwest, similar ages, with 2 kids, an income about 20% less than yours, and a housing paym...
by helloeveryone
Tue Oct 30, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12639

Re: Am I doing well financially?

Nor was I... or 95% of Americans. Thats the thing that gets lost in these threads. The standards and expectations on this board are stratospheric compared to average Americans. People are bashing this family, but if we look at statistics their "low savings" is already more than 80 or 90% of househo...
by helloeveryone
Tue Oct 30, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Who has gotten the most value out of a car?
Replies: 48
Views: 3221

Re: Who has gotten the most value out of a car?

I bought an 89 Volvo 240 for $1700 when our oldest daughter turned 16 in 2001. About 7 years later, it was backed into and insurance totaled it but I bought it back. We got $2300 from insurance and kept the car. I pounded out the dent and replaced a used taillight (total was less than $100) and our...
by helloeveryone
Tue Oct 30, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Who has gotten the most value out of a car?
Replies: 48
Views: 3221

Re: Who has gotten the most value out of a car?

I think I've got something in the running. The first car I bought out of residency was a Mazda 626. I paid $1,850 and drove it for four years before selling it for $1,500. I was going to sell it for $1,850 (and the buyer was willing) but my wife wouldn't let me because the buyer was a friend. In th...
by helloeveryone
Tue Oct 30, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Kevin O'Leary: owning a car is a terrible idea
Replies: 43
Views: 3317

Re: Kevin O'Leary: owning a car is a terrible idea

Interestingly, a lot of my neighbors also work for the same employer; there are 20+ people in my neighborhood who work for my same employer. From what I know, I am the only person that walks and I am pretty sure it takes less time for me to walk then any of them to get in their car, pull it out of ...
by helloeveryone
Tue Oct 30, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Kevin O'Leary: owning a car is a terrible idea
Replies: 43
Views: 3317

Re: Kevin O'Leary: owning a car is a terrible idea

Here's a thought inspired by all the headaches I've had with my lousy 2017 Honda CRV. Kevin O'Leary suggests they are a terrible waste of money. I'll add that they just take up too much of your valuable time dealing with all the overhead of owning one. You would think Bogleheads would be talking up...
by helloeveryone
Tue Oct 30, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deposit cash from selling car into bank account over 10k?
Replies: 21
Views: 2091

Re: Can I deposit cash from selling car into bank account over 10k?

If the buyer is reluctant to go to the bank with you, unwilling to get a cashiers check, or in any other way seems hesitant to cooperate, I'd avoid the transaction. +1 a buyer who is hesitant to do any of the above should trigger caution and just avoid them. it's not worth getting scammed, hurt, ki...
by helloeveryone
Sun Oct 28, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return: includes or does not include dividends
Replies: 1
Views: 463

Rate of return: includes or does not include dividends

We use fidelity for our retirements accounts. It seems that rate of return is calculated without including dividends & interests. Could someone explain that? It ultimately doesn't matter since asset allocation is what matters and annual or biannual readjustment is what's important but I was just cur...
by helloeveryone
Sun Oct 28, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12639

Re: Am I doing well financially?

I have periodically tracked my expenses via spreadsheet and not once did I spend under $600/mo just on groceries alone, not counting eating out. What am I doing wrong? We coupon and everything, even. justsomeguy2018, 1) You spend first and save later. You should do the reverse. Save first and spend...
by helloeveryone
Sun Oct 28, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12639

Re: Am I doing well financially?

OP, I hope you will seriously consider spending less. In 2013, I was making about what you are now and had a negative net worth and negative monthly cash flow. Read a book called The Millionaire Next Door and that changed our outlook on money. We made a commitment to live off my base salary alone a...
by helloeveryone
Sun Oct 28, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12639

Re: Am I doing well financially?

I like to think I am doing well financially, but for my age, sometimes I feel like I am behind the curve when I read about some other posters' assets. I come from a lower class/lower middle class background and got my career started a little late due to being stuck in a podunk town for years after ...
by helloeveryone
Fri Oct 26, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 61
Views: 9516

Re: Thinking of Retiring at 52, Please Critique Plan

You have enough to support an annual expenses pf $40,000. In fact, with your potential inheritance, you may have twice as much as needed. But life may change in the future. Kids may need money for college education, etc. If your spouse is really burnt out, it is possible to take a break. At 52, he ...
by helloeveryone
Thu Oct 25, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Advise on term vs whole life
Replies: 31
Views: 2236

Re: Advise on term vs whole life

A friend of mine who is a physician is being encouraged to invest in a whole life policy with investment option in index funds. It is being marketed as a way to hide extra money tax free and as investment as opposed to "throwing money away" on term policy. He is 40 and maximizes his pension and pro...
by helloeveryone
Thu Oct 25, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16842

Re: Where would you go for financial guidance if you win the Megamillions?

You can't really just log into your website of choice and place a buy order for 450 million dollars worth of VTI. You yourself would now move the market, the 450 million is more than the average daily training volume of VTI Depending on the ETF, you could probably get that done with a phone call, a...
by helloeveryone
Tue Oct 23, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4010

Re: Coffee grinder

I only drink Espresso, my preferred grinder at the moment is the Helor 101. For some reason I enjoy the manual grind routine much more at 4:45am than electric. Espresso grade electric is also very expensive, but I love the manual process. https://helor-coffee.com/101/ wowsers. that's an expensive m...
by helloeveryone
Tue Oct 23, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4010

Re: Coffee grinder

After an extensive google search and reviewing BH's forums we settled on Baratza Encore. $139. It's been great. Not much to compare to since previously I used a manual grinder and it was great as well. Having had the encore for 6+ months now I have no reason to upgrade or feel bad that I spent $139 ...
by helloeveryone
Mon Oct 22, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16842

Re: Where would you go for financial guidance if you win the Megamillions?

interestingly a 4% withdrawal rate of $999,999,999 which is what my iphone can handle is $40million a year. it’s interesting people fret about how they should invest it. My biggest “debate” is what will my asset allocation be for that much money (if it would be any different than my current I guess)...
by helloeveryone
Sun Oct 21, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5199

Re: What to do with >$1000 in Amazon credits?

Pretty trite, but Books? If you have a whole foods near you, how about groceries? If they take amazon gift cards? Household goods? Gardening implements? Audio visual? Something you wouldn’t usually buy, but can because you have thegift card. +`1 Prime Now - groceries, household goods - roughly same...
by helloeveryone
Sun Oct 21, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: 2 rental car reservations?
Replies: 23
Views: 1397

Re: 2 rental car reservations?

The rental company is not taking great strides to reserve the vehicle you selected. They are just going to give you whatever is on the lot. How many times have you showed up for a car rental and they don't have the vehicle? Happens all the time. One can say the customer should hold to a higher stan...
by helloeveryone
Wed Oct 17, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1467

Re: To replace old Volvo

This may be a situation where a lease might be considered? Many threads on lease versus buy but in your case you will not be owning a car beyond ~5ish years so a 3-year lease now, then either buy the car or lease another one for another 3 years.
by helloeveryone
Tue Oct 16, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a forever home?
Replies: 25
Views: 2927

Re: Reasonable cost for a forever home?

I started with a set of criteria: At least four bedrooms, preferably five. One for us, two for kids and two for multiple guests. Don’t want to trip over anyone sleeping on an air mattress in my living room. Had to have a home office. At least 3 full bathrooms and a half Large mud room laundry (on m...
by helloeveryone
Tue Oct 16, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Market timing mistakes relative to joining BH Forum
Replies: 6
Views: 744

Re: Market timing mistakes relative to joining BH Forum

...it seemed common sense that you can't beat the market as a whole. Genuine common sense is surprisingly uncommon. True that. I am guilty of the same, but randomly for this specific issue I don't understand how anyone can think they can time a market that makes no sense on when it goes up, down, o...
by helloeveryone
Tue Oct 16, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Market timing mistakes relative to joining BH Forum
Replies: 6
Views: 744

Market timing mistakes relative to joining BH Forum

I wanted to share my market timing mistakes with the group relative to when I joined the BH forum. FXSIX = Fidelity Index 500 Fund VBTLX = Vanguard total bond index fund the % is the % of my entire retirement portfolio the value of the funds was at the time I adjusted the portfolio * 11.6.2014 – FXS...
by helloeveryone
Mon Oct 15, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 5061

Re: Kids not interested in money / allowance

Hi BHs, I have two sons (11 & 8 years). None of them has any interest in money. Each of them has a weekly allowance of $5. 99% of the time they do not ask for it, and even if my wife/I encourage them to take it they don’t. I tried to educate them since they were little (Money doesn’t grow on trees ...
by helloeveryone
Mon Oct 15, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44514

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Last week I moved 100% of my Vanguard Total Bond Fund ($68k) to a Muni Fund for TLH purposes with intent to move right back into the total Bond Fund after 31 days. Would it make sense to take advantage of this offer by moving from Vanguard Muni Fund to my regular bank. Then regular bank to Ally afte...
by helloeveryone
Sat Oct 13, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 6079

Re: Neighbor discussing finances with me

fwiw, if he is a friend leave him be. you could always offer to share with him the way you invest, but leave his investments to him unless he asks for advice. It is personal. unless you feel he is getting 'disastrous' advice. let me give an example. One day I was speaking to my sister about finance...
by helloeveryone
Sun Oct 07, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 28
Views: 2298

Re: Help with choices for new car

Hello, Need suggestions for a new car to purchase with cash. Current car is 2008 lexus IS bought new; doesn't handle well in snow/ice which occurs only several times a year where I live. Criteria for a new car: 1. Forward-collision warning 2. Automatic emergency braking 3. +/-AWD (all wheel drive) ...