Search found 761 matches

by mortfree
Fri Feb 23, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refund? Not so fast! [Tax refund]
Replies: 20
Views: 1572

Re: Refund? Not so fast! [Tax refund]

Snail mail February 13 or 14 for federal tax forms. Two stamps on that envelope.

They (IRS) cashed my check February 21.

State took my electronic payment on February 22 and that was e-filed on February 15

YMMV
by mortfree
Fri Feb 23, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 28
Views: 1129

Re: Favorite socks?

by mortfree
Fri Feb 23, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refund? Not so fast! [Tax refund]
Replies: 20
Views: 1572

Re: Refund? Not so fast!

they cashed my check earlier this week.... I guess they aren't slow on that end

:D
by mortfree
Thu Feb 22, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Which value funds do you use?
Replies: 3
Views: 271

Re: Which value funds do you use?

Vanguard Mega Cap 300 Value Index ETF
NYSEARCA: MGV

That is in my son’s taxable account.
by mortfree
Thu Feb 22, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Would you pay off this debt?
Replies: 60
Views: 2100

Re: Would you pay off this debt?

I would execute your plan with the 76k in cash. forget about your other savings for now. so payoff the car loan today. leaves you with 69k or so. Then follow Option 1 and try not to touch anything other than the 69k cash. If the moves make you feel uncomfortable but you are surviving, then you're do...
by mortfree
Wed Feb 21, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car debt or invest??
Replies: 24
Views: 1017

Re: Pay off car debt or invest??

Did you max the 2017 Roth, if eligible?


.
by mortfree
Wed Feb 21, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5286

Re: Multiple Offer situation/should we pull our offer?

Jags4186 wrote:
Wed Feb 21, 2018 6:56 pm
Thanks for the thoughts everyone. We didn’t get the house. Our offer was “blown away”. Good learning experience at the minimum!
Sorry to hear.

Give it a couple of days. They might be back. You just never know as strange things can still “happen”.
by mortfree
Wed Feb 21, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Another Mortgage Payoff Question
Replies: 4
Views: 255

Re: Another Mortgage Payoff Question

not enough info, but....

payoff today, 173k. how long till you save 173k again?

OR

payoff in 3 years 7 months.... or thereabout...

I'm conservative, I'd continue on and do 3 years 7 months or so.

up to you but others will run the numbers down to the 0.001 to support payoff or wait.
by mortfree
Wed Feb 21, 2018 4:39 am
Forum: Personal Finance (Not Investing)
Topic: Giving up on first home
Replies: 43
Views: 4179

Re: Giving up on first home

This is typical real estate stuff. It’s not like an episode of House Hunters.

Hang in there. It’ll be over soon enough.

I just went through this a few months ago so know the feelings.
by mortfree
Tue Feb 20, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 45
Views: 2355

Re: Trade my BMW?

Keep the BMW and buy another vehicle
by mortfree
Tue Feb 20, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5286

Re: Multiple Offer situation/should we pull our offer?

Typical realtor tactic. Create a sense of urgency. And a sense of loss. Maybe someone will panic and up their offer blindly. I went through similar and it was a waiting game. Finally I told them my offer expired at noon on Friday. They emailed me at 11:52am and wanted more time. I moved on (to the ...
by mortfree
Tue Feb 20, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off car loan good for credit?
Replies: 19
Views: 796

Re: Paying off car loan good for credit?

if you’re right on the cusp you need to find a credit simulator to help you.

Rumor is that after you payoff a loan your credit score drops a little and then rebounds.

You may want to find that out before you decide
by mortfree
Tue Feb 20, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5286

Re: Multiple Offer situation/should we pull our offer?

Typical realtor tactic. Create a sense of urgency. And a sense of loss. Maybe someone will panic and up their offer blindly. I went through similar and it was a waiting game. Finally I told them my offer expired at noon on Friday. They emailed me at 11:52am and wanted more time. I moved on (to the h...
by mortfree
Mon Feb 19, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I payoff my Mortgage?
Replies: 25
Views: 1489

Re: Should I payoff my Mortgage?

If you are moving in 5-6 years I don’t see the point of trying to eliminate this mortgage.

Having Cash available will be more favorable for you if you have to buy your next home before your current home sells.

You are on a whole other level financially compared to me but thought I would chime in.
by mortfree
Mon Feb 19, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Is it wise for us to make a one-time lump sum mortgage payment?
Replies: 23
Views: 1203

Re: Is it wise for us to make a one-time lump sum mortgage payment?

I am curious why you didn't opt for a 20 year loan in the first place! You might have gotten a better rate of interest. We were locked in at 4.25% on a 30 year. We could get a better rate on 20 years, but felt the ability to invest the difference in the 20 year and 30 year mortgage outweighed being...
by mortfree
Mon Feb 19, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Is it wise for us to make a one-time lump sum mortgage payment?
Replies: 23
Views: 1203

Re: Is it wise for us to make a one-time lump sum mortgage payment?

20k doesn’t seem like a lot so I would put it towards the mortgage.

Your future self will thank you.

Also avoids doing anything “dumb” with the money but I don’t get the impression you would.
by mortfree
Sun Feb 18, 2018 6:48 pm
Forum: Forum Issues and Administration
Topic: Fewer Readers Despite Continued Market Volatility
Replies: 7
Views: 678

Re: Fewer Readers Despite Continued Market Volatility

Everyone is busy revising their IPS.

Everyone is busy rebalancing.

Everyone “goes fishing” when the market is down so they don’t do anything
by mortfree
Sun Feb 18, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: student loan vs investing
Replies: 12
Views: 545

Re: student loan vs investing

I’d pay off the student loan over 2 years, if not sooner.

Invest the rest.
by mortfree
Sat Feb 17, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to pay off loan
Replies: 7
Views: 489

Re: Using Emergency Fund to pay off loan

I would put 45k towards it and let the reality sink in. You will reduce the monthly interest amount enough that carrying the balance won’t be as “expensive “. 45k could be any number of your choosing but you get the idea. You could even do 3 payments of 30k or so. March, June, September or whatever ...
by mortfree
Sat Feb 17, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Investing vs paying off debt
Replies: 28
Views: 1658

Re: Investing vs paying off debt

Your mistake on the Pilot was the length of the loan. 4-5 years should be the max unless there is 0% financing - not in your case. Keep it. But you should try to accelerate those payments. I would pay $600 per month and maybe throw in a $1000 lump sum. Do you really need Hulu and Netflix at $360 pe...
by mortfree
Sat Feb 17, 2018 4:30 am
Forum: Investing - Help with Personal Investments
Topic: Investing vs paying off debt
Replies: 28
Views: 1658

Re: Investing vs paying off debt

Your mistake on the Pilot was the length of the loan. 4-5 years should be the max unless there is 0% financing - not in your case. Keep it. But you should try to accelerate those payments. I would pay $600 per month and maybe throw in a $1000 lump sum. Do you really need Hulu and Netflix at $360 per...
by mortfree
Fri Feb 16, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest $1000 in a Vanguard Roth IRA
Replies: 9
Views: 728

Re: How to Invest $1000 in a Vanguard Roth IRA

VT or VTI...

I am doing the same instead of a 529. Roth gives me flexibility and the 529 has too many rules for my simplistic approach.
by mortfree
Thu Feb 15, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10079

Re: My Over $300K Vanguard Balance Disappeared?

maybe Vanguard doesn't expect their followers to be checking their accounts; especially Bogleheads.
by mortfree
Thu Feb 15, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with Schedule D
Replies: 14
Views: 703

Re: Need help with Schedule D

I use turbotax for free, compare to my personal calculations, then fill the forms out myself....

I assume your son has earned income and/or his stock proceeds exceeded the limit for the kiddie tax and that is why you are filing for him.
by mortfree
Thu Feb 15, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth - How am I doing?
Replies: 14
Views: 2240

Re: Net Worth - How am I doing?

when did you start contributing to your Roth? do you prioritize Roth contributions over taxable investments? Or did you hit it big with an investment(s) in taxable? The numbers would indicate a priority to taxable, but we don't know how long you have been contributing to the Roth. by age 40, one ben...
by mortfree
Thu Feb 15, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 1923

Re: Dental chews for dogs....useful?

I buy dentastik for my great dane. Instead of giving it directly to him, I hold it in my hand and let him chew on it. Otherwise he would treat it like a hockey puck and bat it around and run through the house with it. After he's done playing (and destroying the house), he would then devour it with n...
by mortfree
Wed Feb 14, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 65
Views: 4056

Re: Is This Action by Megacorp Legal?

things like the above is why I am taking advantage of the Brokerage Account that is available in my Fidelity 401k. I assume that when the company decides to switch out funds I will have zero concerns b/c I do not contribute anything to the funds in their list.

anyone else do/believe the same?
by mortfree
Wed Feb 14, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: When to pay off debt instead of invest?
Replies: 27
Views: 1245

Re: When to pay off debt instead of invest?

not enough info on current assets, etc. the argument about borrowing 80k at 4% is flawed (IMO) since it is a mortgage. you can get a 12 month CD at 2% right now, I think Why is this flawed? FWIW, we will not get a tax benefit from that mortgage (because we already exceed the limit on our primary ho...
by mortfree
Wed Feb 14, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: When to pay off debt instead of invest?
Replies: 27
Views: 1245

Re: When to pay off debt instead of invest?

not enough info on current assets, etc.

the argument about borrowing 80k at 4% is flawed (IMO) since it is a mortgage.

you can get a 12 month CD at 2% right now, I think
by mortfree
Tue Feb 13, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: TV assisted listening
Replies: 4
Views: 479

Re: TV assisted listening

I went to Best Buy and bought a set of wireless headphones. Sony Model MDR-RF985RK. Cost less than $100. thank you for this info. I went on Amazon and the site says there is now a newer model Sony Wireless RF Headphones (MDR-RF912RK), in case anyone else is interested. I didn't research the differe...
by mortfree
Tue Feb 13, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: I'm Lost Please Help Me :(
Replies: 20
Views: 2203

Re: I'm Lost Please Help Me :(

Some info about me: 2. 130K savings in cash 3. 140K student loan with 2.95% interest for a 15 year term 5. Currently just contributing to 401K to take advantage of employer match @5% I save around 12-13K at the end of every month after expenses/bills are paid, and have no idea what to do with the r...
by mortfree
Sun Feb 11, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: Borrow vs Pay Cash
Replies: 24
Views: 1854

Re: Borrow vs Pay Cash

There are also two extra costs. And having a car loan requires you to carry lower deductibles on collision and comprehensive than you might want. What do you consider a lower deductible- does $1000 fall in that category? I’ve seen this mentioned twice recently but I have never been forced to go wit...
by mortfree
Sun Feb 11, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Has Seeking Alpha Become Worthless?
Replies: 20
Views: 3379

Re: Has Seeking Alpha Become Worthless?

I like their app for pre- and post-market stock/ETF prices.

Some of the articles are entertaining but I really just like to read the comments.
by mortfree
Sat Feb 10, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Borrow vs Pay Cash
Replies: 24
Views: 1854

Re: Borrow vs Pay Cash

I take the loan.

I like to have cash on hand for other opportunities rather than sinking it into a car.

The few dollars in interest on a car loan are trivial
by mortfree
Sat Feb 10, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 278
Views: 39403

Re: Selling all equities, discuss why I'm wrong. :)

Here I thought OP was going to say he bought back in just before the turbulence started. He would have “lost” so much money. Oh wait....

I dare you to buy just 10 shares of VTI this week.
by mortfree
Fri Feb 09, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Years of Roth IRA at Once / Admiral Shares?
Replies: 6
Views: 474

Re: 2 Years of Roth IRA at Once / Admiral Shares?

why wouldn't you max out 2017 at 5500 and then put 4500 towards 2018... it's not really a question though. don't sell yourself short on 2017 just to make it an even 5k.
by mortfree
Fri Feb 09, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4926

Re: I didn't tax-loss harvest this month, did you?

nope, I only have around $200 in short term losses. or now it's 100 in losses... oops, now I'm up $100.

crazy market
by mortfree
Fri Feb 09, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy
Replies: 15
Views: 1002

Re: Investment Strategy

so you're saying I shouldn't buy 10 more shares of VTI today?
by mortfree
Fri Feb 09, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Should you sell your investments when they start dropping? When should you invest during this market correction?
Replies: 52
Views: 4126

Re: Should you sell your investments when they start dropping? When should you invest during this market correction?

samsoes wrote:
Fri Feb 09, 2018 11:31 am

You won't find support for market timing on this forum, I assure you.
Hold my beer....

OP if you are smart enough to know when to buy at the low, by all means wait.

Maybe you'll get lucky and time it just right.

:wink:

This response is not boglehead approved
by mortfree
Thu Feb 08, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $20K in portfolio under current market situation
Replies: 23
Views: 1659

Re: Investing $20K in portfolio under current market situation

Putting the money in the market right now would be like placing a bet today on the Patriots winning Super Bowl LII. Why is it that equities are the only products that, when they go on sale, are shunned by buyers. It is the short sighted, "right now" focus that the OP is demonstrating by asking the ...
by mortfree
Thu Feb 08, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $20K in portfolio under current market situation
Replies: 23
Views: 1659

Re: Investing $20K in portfolio under current market situation

Putting the money in the market right now would be like placing a bet today on the Patriots winning Super Bowl LII. [/sarcasm]

E-A-G-L-E-S!!!
by mortfree
Wed Feb 07, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2519

Re: Getting Rid of Ants in the House?

MangoMama wrote:
Wed Feb 07, 2018 7:52 pm
I had very good luck with Diatomaceous Earth (Food Grade) from Amazon [a.k.a. DE]. I started with generic DE from Lowe's and saw much better results than Terro or Borax.
This is a great product so give it a try!
by mortfree
Tue Feb 06, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Analysis Paralysis on Replacing Smoke Detectors and Thermostats
Replies: 4
Views: 351

Re: Analysis Paralysis on Replacing Smoke Detectors and Thermostats

I bought 7 smoke detectors from Amazon. $260 plus tax. You buy 3 that are the Carbon Monoxide/Smoke Alarm combination (basement, first floor and 2nd floor hallway). First Alert SC7010BV You buy 1 Smoke Alarm for each bedroom. First Alert 3120B I have a Nest thermostat downstairs and a plain old one ...
by mortfree
Tue Feb 06, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: 100K to invest - Need help/opinions.
Replies: 6
Views: 732

Re: 100K to invest - Need help/opinions.

FSTMX ----> FSTVX if you invest over 10k (Total Stock)

FTIGX ----> FTIPX if you invest over 10k (international)

Same investment, just different share "class" and the one on the right should have a lower ER. Check on that.

I prefer ETFs.
by mortfree
Tue Feb 06, 2018 2:12 pm
Forum: Forum Issues and Administration
Topic: we need an individual stock sub forum
Replies: 31
Views: 1278

Re: we need an individual stock sub forum

are you trying to prevent the full on BHers from commenting on individual stock threads?

I don't think a subforum will stop them...
by mortfree
Sat Feb 03, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: What Would You Do With $100,000 Right Now
Replies: 28
Views: 2840

Re: What Would You Do With $100,000 Right Now

Since you are DINKs I’ll assume $0 debt.

I’d do home improvements, upgrade to a new(er) vehicle, help nieces or nephews financially, charitable donations.

If you want to “make” money I’d invest anywhere from 40:60 to 60:40 for AA
by mortfree
Sat Feb 03, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 3431

Re: Do you live on a budget?

I keep track of income and expenses in excel. It helps to know how my expenses (utilities, etc) vary throughout the year and to know my fixed payments (mortgage, car payments, daycare, savings for escrow, etc). I’m more into tracking my finances and it helps that I only use what is left after 401k c...
by mortfree
Sat Feb 03, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15989

Re: Blood in the water- buying?

I bought 10 shares of VTI (Total US Stock) on Friday.

Nothing to brag about given that the price was still higher than early January and the 52-week range is 117-146ish.

Blood in the streets

Sorry to rain on your attempted market timing
by mortfree
Thu Feb 01, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off future DIL's school loans?
Replies: 28
Views: 1530

Re: Pay off future DIL's school loans?

house downpayment instead? if that is a goal of theirs to be homeowners...




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