Search found 19 matches

by Life Is Good
Sat Jun 09, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6887

Re: Need advice on 1st international vacation

All of the suggestions above are quite good. It's all about what is most important for you to see. My family (wife and kids 10 and 8) just did our first international vacation to Rome (5 nights) /Florence (4 nights) /Pisa (day trip) /Venice (2 nights) and I would do it again in a heartbeat. It was a...
by Life Is Good
Mon Jan 15, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 2016

Re: Portfolio Advice - Jumping in when the market is high

Yeah, I would simplify the Roth accounts. You've already paid tax on the money so let it grow! I'd dump the money market and bonds and reallocate that in other accounts. Just Total Stock in one, and Total Stock and International (if desired) in the other. Bonds in a Roth only if you have no Traditio...
by Life Is Good
Mon Jan 15, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Company 401k - is this optimal?
Replies: 13
Views: 1464

Re: Company 401k - is this optimal?

Your allocation will largely depend upon your other holdings, if any, in IRAs or taxable accounts. The choices are very good for a 401k, and what you have chosen seems appropriate, but you have a lot of overlap. VBIAX is 60/40 stocks/bonds, Value and Growth funds are mostly (but not all) in the S&P ...
by Life Is Good
Mon Jan 01, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Request update on YouTube TV
Replies: 11
Views: 809

Re: Request update on YouTube TV

I did the free trial of YouTube TV and was very impressed. I did not keep it as we don't watch much TV to begin with and the commercials, commercials, commercials! (We're one of the original cord cutters - going on 11 years!) If I were to go back to cable, I would absolutely get YouTube TV though. I...
by Life Is Good
Mon Jan 01, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 17
Views: 2395

Re: Costa Rica

We love Costa Rica. We were last there about 2 years ago, with kids age 5 and 7 at the time. It was wonderful. We rented a car (SUV) and also paid for full coverage including towing. Not frugal, BUT it paid for itself while on our trip when we were stuck on a dirt road (thanks Google maps!) and coul...
by Life Is Good
Fri Dec 01, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 36428

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Never. Not a chance. My mother has a Financial Advisor at one of the well known firms and has a net worth ~$5M. She always complains about the insane fees she pays and recently asked if I could look over her portfolio. Sure. It was such a mess of funds, stocks, individual bonds, etc - nearly 100 of ...
by Life Is Good
Fri Dec 01, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: So i hit 6 figures... (questions about financials)
Replies: 19
Views: 4120

Re: So i hit 6 figures... (questions about financials)

Congratulations! Is there something with the roommate that you would prefer to live alone? Would a different roommate suffice in order to keep your present expenses down? I can't blame you though. I was 25 when I finally kicked out my last roommate to live on my own. Then months later I met the woma...
by Life Is Good
Fri Nov 03, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 5501

Re: This is why I'm glad I started investing at 23

Exactly. You and I are about the same age and I'm glad I stuck with my plan even at a "young" age. Even in 2009 when I saw my portfolio over 10 years go into negative total returns, I wasn't worried. In fact, I invested more. And like you, I've reached the point at work where I don't worry so much a...
by Life Is Good
Thu Feb 23, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 7268

Re: Cheap, Non-Traditional Cell Phone Plans

I'm another very satisfied Consumer Cellular user. They have been Consumer Reports #1 for a few years, and they have been good for us. We have 5 phones on the plan with unlimited minutes and 3GB data (that might seem too little for some but we use barely half that) for $100 a month total. $20 per li...
by Life Is Good
Thu Feb 23, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Roku 3 vs Amazon FireStick
Replies: 14
Views: 3103

Re: Roku 3 vs Amazon FireStick

It really depends on exactly which services you are most interested in. I like the Firestick mostly for Kodi as I use a basement home server as an over-the-air DVR and Kodi streams it throughout the house the easiest. (I hate that Kodi is associated with pirating, but I personally don't use it for t...
by Life Is Good
Mon Oct 17, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Should I be nervous about ancestry.com?
Replies: 17
Views: 4526

Re: Should I be nervous about ancestry.com?

I use Ancestry.com and FamilySearch.org. Both are run by the Mormon Church. The advantage of using their software is if someone else has data on one of your ancestral lines, it can be incorporated into your own. There are Family History Centers all over the world and they offer well trained docents ...
by Life Is Good
Wed Oct 05, 2016 11:00 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 8827

Re: Where/how do Bogleheads get their tires inflated?

Every Kwik Trip in the US has free air with a cool computer gauge. So that's my place.

Fall is the time of year the low pressure alerts start illuminating with the cooler air. Good luck and safe driving everyone!
by Life Is Good
Thu Sep 29, 2016 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: FBIOX is killing me. [Fidelity Select Biotechnology]
Replies: 48
Views: 6200

Re: FBIOX is killing me.

You can't allocate what you "had." You can only allocate what you "have." Would you buy the biotech fund today if you had the $37k in cash? Yes? Keep it. No? Harvest that tax loss and move on.
by Life Is Good
Thu Sep 29, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 4544

Re: How closely do you check your credit card statements?

I have my credit card company set up to text me each time my card is used. Drives my wife nuts as I know the second she buys something, but I've caught unauthorized charges twice in the last 5 years or so. I was able to immediately put a stop to it. So I glance at my statement, but I'm already aware...
by Life Is Good
Mon Sep 12, 2016 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: New Here - Investment Checkup
Replies: 9
Views: 1567

Re: New Here - Investment Checkup

Apologies for the brevity as I'm writing this on my tablet... Not easy. You have been a great help in explaining the cost of risk. I've found great sites and books that expand on your advice very well. I will for sure pay off the car loan as it is not tax deductible and the "risk" is only spread out...
by Life Is Good
Sat Sep 10, 2016 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: New Here - Investment Checkup
Replies: 9
Views: 1567

Re: New Here - Investment Checkup

Hi, and welcome! Many here, including me, consider debt as "negative bonds". Using that reasoning, you're actually leveraged above 100% stocks. Your auto loan isn't deductible, even if you itemize (do you?). So it's costing you 3.9% after tax. Versus the before tax SEC yield on VBLTX of 1.9%. So if...
by Life Is Good
Fri Sep 09, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: New Here - Investment Checkup
Replies: 9
Views: 1567

Re: New Here - Investment Checkup

...So, I run the I-ORP program. You should do this too, but you are far enough away from retirement that it might not be too meaningful since taxes and social security rules are bound to change in the meantime for you. Tell me that's not the coolest calculator I've ever seen! Thanks for that sugges...
by Life Is Good
Fri Sep 09, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: New Here - Investment Checkup
Replies: 9
Views: 1567

Re: New Here - Investment Checkup

Thanks to the both of you. 2. As far as the ratio of VINIX and VIEIX, if you're trying to approximate the total US stock market, this page will have useful information for you. https://www.bogleheads.org/wiki/Approximating_total_stock_market Include the other US stock funds across all your accounts ...
by Life Is Good
Thu Sep 08, 2016 10:11 am
Forum: Investing - Help with Personal Investments
Topic: New Here - Investment Checkup
Replies: 9
Views: 1567

New Here - Investment Checkup

Hello all, Happy to have found this site. Our net worth recently went over $1M, 98% self-made. While thrilled, I know my portfolio can use some cleaning up. I've been investing since 23 and am now 41, so many funds are holdovers from my days with lesser knowledge. Emergency funds: I use my taxable a...