Search found 458 matches

by RootSki
Mon May 25, 2020 6:04 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 5936

Re: What will you NOT buy online?

Ski boots. These should always be bought in person by a professional boot fitter.
by RootSki
Sat May 09, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Problems with Xfinity Internet drops
Replies: 28
Views: 1634

Re: Problems with Xfinity Internet drops

What model of modem? Certain ones powered an Intel chipset have had severe problems -- Broadcom based units are fine. Yeah a lot of the Arris modems come with the Intel chip, which is why I stayed away from them and bought a Motorola. That said one thing to keep in mind is that cable internet is te...
by RootSki
Thu May 07, 2020 7:26 am
Forum: Personal Investments
Topic: Trading vs. Holding
Replies: 72
Views: 2235

Re: Trading vs. Holding

That’s a lot of short term capital gains taxes eating into your profit.
by RootSki
Mon Apr 27, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 73
Views: 5703

Re: Car shopping PHEV / ICE / or all electric?

Once you stop looking at PHEV as a cost saver and start looking at it from a performance/torque fill perspective, they make a lot more sense.
by RootSki
Thu Apr 23, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: Scented Candle recommendations?
Replies: 14
Views: 728

Re: Scented Candle recommendations?

The best are Bath and Body Works 3-wick candles. They have a very large scent throw, and will refund/replace them if one burns irregularly. Normally priced, they are expensive, however they go on sale once a year in December and you can stack coupons to get them down to $7-$8 a candle. My wife loves...
by RootSki
Tue Apr 21, 2020 4:15 pm
Forum: Personal Investments
Topic: Where can I read more about the minutia of employee stock purchase plans (ESPP)?
Replies: 17
Views: 908

Re: Where can I read more about the minutia of employee stock purchase plans (ESPP)?

Pro tip: ESPP shares held in a Fidelity account your employer created for you can have high trading fees. You can easily transfer them once they are qualifying to another taxable brokerage account at Fidelity and them trade them for free.
by RootSki
Mon Apr 20, 2020 8:27 am
Forum: Personal Investments
Topic: Stop me from buying individual stocks...
Replies: 27
Views: 1894

Re: Stop me from buying individual stocks...

Just stop. Exercise some self discipline.

We are indexers. Not day traders. Not stock pickers.
by RootSki
Fri Apr 17, 2020 7:38 am
Forum: Personal Investments
Topic: [NJ resident - does it make sense to use 529]
Replies: 4
Views: 359

Re: [NJ resident - does it make sense to use 529]

The NJ plans suck with high fees. We are using the NH 529 plan at Fidelity.
by RootSki
Mon Apr 06, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16351

Re: What percentage of your paycheck do you invest?

I’ve never calculated it, but it’s greater than 60%. We do 50% pre-tax into our 401k’s until they max out. Almost everything gets invested post-tax that isn’t an expense. Fidelity MM SPRXX included in that even if it acts like cash.
by RootSki
Sun Apr 05, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: No sports but cable bills unchanged
Replies: 86
Views: 6132

Re: No sports but cable bills unchanged

Would you prefer the cable companies drop ESPN and other sports channels for the duration of the pandemic?
by RootSki
Tue Mar 31, 2020 8:46 pm
Forum: Investing - Theory, News & General
Topic: Investments you wouldn't touch with a 10 foot pole
Replies: 110
Views: 9175

Re: Investments you wouldn't touch with a 10 foot pole

ddurrett896 wrote:
Tue Mar 31, 2020 7:00 am
Tiger Sanctuary
Lol, hysterical :D
by RootSki
Tue Mar 31, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: $100,000 IRA withdrawal without penalty
Replies: 15
Views: 1619

Re: $100,000 IRA withdrawal without penalty

Hell no. Goes against my IPS.
by RootSki
Tue Mar 31, 2020 11:10 am
Forum: Personal Investments
Topic: Another way Edward Jones gets you
Replies: 43
Views: 4645

Re: Another way Edward Jones gets you

How much hand holding does one need to buy Total Stock Market and stick with it?
by RootSki
Sat Mar 28, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4729

Re: What to do with my cars during Corona Lockdown

I’ve been going on 30-60 minute pleasure drives 2-4 times a week. Sometimes local streets, sometimes highways.
by RootSki
Tue Mar 24, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: What's cheap right now?
Replies: 33
Views: 3744

Re: What's cheap right now?

TheOscarGuy wrote:
Mon Mar 23, 2020 12:41 pm
bob60014 wrote:
Mon Mar 23, 2020 9:05 am
All this cheap gas and nowhere to go!
No one is stopping you from a long drive :happy
That’s what I’ve been doing. I go for about an hours drive every other day.
by RootSki
Fri Mar 20, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4729

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

For years I haven't really needed a car - I've kept it running by driving it about 10-15 minutes per week, either by running an errand or just a quick run up and down the highway. No dead batteries, flat spotting or bad gas issues. This is my approach. If I don’t drive anywhere for a few days, I go...
by RootSki
Thu Mar 19, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4729

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

Personally I plan to go on a 30-60 minute pleasure drive twice a week.
by RootSki
Thu Mar 19, 2020 8:42 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296882

Re: Covid 19 cure - how to invest

Sounds more like speculation than investing. :oops:
by RootSki
Fri Mar 13, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: How capable is public broadband of supporting increased usage?
Replies: 38
Views: 1947

Re: How capable is public broadband of supporting increased usage?

I think you mean “Private Broadband”. I’m not aware of very many government/public large scale Internet delivery networks. Private networks (Cable MSO’s) will be just fine supporting the additional “work form home” useage. Capacity (on many levels) is monitored very closely with alarming at various ...
by RootSki
Thu Mar 05, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Volvo XC40
Replies: 7
Views: 985

Re: Volvo XC40

Have been driving an XC 40 T5 for about 10 months and love it. Downsized from an XC 60 T6 that was 8+ years old and was passed down to one of my kids. Ride was probably a bit better in the XC 60 but noise is not an issue. Love all the safety features and ours has Harmon Kardon sound system which is...
by RootSki
Thu Mar 05, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Yet another mysterious unsolved problem with the Honda CRV [Infotainment Screen]
Replies: 38
Views: 2787

Re: Yet another mysterious unsolved problem with the Honda CRV [Infotainment Screen]

smitcat wrote:
Thu Mar 05, 2020 9:32 am
RootSki wrote:
Thu Mar 05, 2020 9:19 am
Thanks to CULater, we’ll never buy another Honda :!:
What are you purchasing instead of the Honda?
Purchased a 2019 Volvo XC60 T8 Plug in electric hybrid. Next vehicle will be the all electric Volvo XC40 for my wife (replacing a 2010 Honda CRV) in 2021.
by RootSki
Wed Mar 04, 2020 8:10 pm
Forum: Personal Investments
Topic: Growth Fund vs. Total Stock Market for 52 year old
Replies: 11
Views: 935

Re: Growth Fund vs. Total Stock Market for 52 year old

FIDPC is a very expensive fund with a .73 ER. I carry FSPGX Fidelity Large Cap Growth (.035 ER) as my growth tilt along with FZROX for total market exposure. I’m 47.
by RootSki
Mon Mar 02, 2020 2:34 pm
Forum: Investing - Theory, News & General
Topic: Okay, now when you do buy back in?
Replies: 230
Views: 21565

Re: Okay, now when you do buy back in?

InvestingGeek wrote:
Mon Mar 02, 2020 1:49 pm
HomerJ wrote:
Mon Mar 02, 2020 12:39 pm
Do you have a plan?
Plan? Ha, amateurs! Expert market timers go by 'feel' buddy.
Funny but true! :D
by RootSki
Sat Feb 29, 2020 9:21 am
Forum: Investing - Theory, News & General
Topic: Are you glad to have bonds in your AA? I am.
Replies: 76
Views: 4726

Re: Are you glad to have bonds in your AA? I am.

I moved over $XxxK out of equities and into bonds in late January and early February. Now I feel like I should have moved more but I wanted to go from 100/0 to 95/5 and then drift 5% towards bonds yearly until we are 75/25.
by RootSki
Thu Feb 27, 2020 9:35 am
Forum: Personal Investments
Topic: Sell Bonds. Buy Total Market?
Replies: 45
Views: 4272

Re: Sell Bonds. Buy Total Market?

I'd probably do it. Maybe not all at once, in case things keep doing down. Keep investing new cash as available.
by RootSki
Thu Feb 27, 2020 9:28 am
Forum: Investing - Theory, News & General
Topic: Immature Investor and Lessons Learned
Replies: 28
Views: 3138

Re: Immature Investor and Lessons Learned

Good thread OP. These down swings are never easy to hold, but make buying kinda fun for me.
by RootSki
Thu Feb 27, 2020 9:07 am
Forum: Investing - Theory, News & General
Topic: Bonds cushion but also drag down your earnings?
Replies: 20
Views: 1329

Re: Bonds cushion but also drag down your earnings?

I think I am realizing that having a high percentage of bonds is good for when there are down turns, BUT they also drag down your appreciation during good times. So being 100% equity would mean that you would "lose" more during severe down turns but you'd also MAKE more during upturns? Is it theore...
by RootSki
Tue Feb 25, 2020 9:54 am
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 22087

Re: What did you learn from the 2/24 sell off?

I looked. Then I told my wife. We both laughed and then played with our son.

Later in the evening my closest friend and I were discussing making some equity buys today.
by RootSki
Tue Feb 25, 2020 9:33 am
Forum: Investing - Theory, News & General
Topic: Should I buy into Fidelity Select Gold?
Replies: 13
Views: 963

Re: Should I buy into Fidelity Select Gold?

BV3273 wrote:
Tue Feb 25, 2020 6:46 am
RootSki wrote:
Tue Feb 25, 2020 6:41 am
What is the expense ratio for FSAGX (Fidelity Select Gold)?
0.86
:shock:
:oops:

:P :P :P :P
by RootSki
Tue Feb 25, 2020 6:41 am
Forum: Investing - Theory, News & General
Topic: Should I buy into Fidelity Select Gold?
Replies: 13
Views: 963

Re: Should I buy into Fidelity Select Gold?

What is the expense ratio for FSAGX (Fidelity Select Gold)?
by RootSki
Sun Feb 23, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 73
Views: 5703

Re: Car shopping PHEV / ICE / or all electric?

I have the 2019 Volvo XC60 T8 (PHEV). I bought it because of its power/torque, not for fuel efficiency. It’s a fun car for me to drive. I do several 200 mile trips a month and 22,000 miles a year. For my driving habits it works out that I mostly use fuel on the highways and battery below 40mph. When...
by RootSki
Sun Feb 23, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6478

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

I’m in Morris Xxxxx NJ and we will be exiting NJ for Bucks County, PA this year. A lot of money is leaving NJ both individual and corporate. NJ has long term fiscal problems with underfunding the state pension fund (which also underperforms the market).
by RootSki
Sun Feb 23, 2020 9:52 am
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11121

Re: Perform own oil change pros & cons?

I don’t change my own oil. I have Volvo do it because they also update all of the software on my XC60. Volvo releases 2-3 software updates a year, some more significant than others. My car will also be under OEM warranty until 3/2029 so I’d rather not give them any reasons to deny any future claims....
by RootSki
Wed Feb 19, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29033

Re: Paying "early" on mortgage may be unwise

I'm 38 (wife 33), we're going to have our home paid off this summer. I would be shocked if anybody I know <50 has a paid off home. My wife has mentioned it to our parents and a few friends and they all assumed she was joking. BHs are a weird, weird bunch. Paying off my mortgage before my 50th birth...
by RootSki
Sun Feb 16, 2020 7:27 pm
Forum: Personal Investments
Topic: Help Me Break My Love Affair With Fidelity Low Priced Stock
Replies: 93
Views: 12845

Re: Help Me Break My Love Affair With Fidelity Low Priced Stock

Since you hold this in a tax advantaged account, why not use this fund as your source for annual rebalancing? You would slowly whittle down the balance of FSPLX when you buy what ever bond fund you have in your IPS. Cash out just as slowly as you accumulated he shares?
by RootSki
Sun Feb 16, 2020 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't everyone own a home as a business and rent elsewhere?
Replies: 57
Views: 7295

Re: Why doesn't everyone own a home as a business and rent elsewhere?

I don’t want to be a landlord, pay rent or have a mortgage, so I don’t do any of those things.
by RootSki
Fri Feb 14, 2020 10:23 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Wiki Page Updates Initial Review
Replies: 58
Views: 3749

Re: Fidelity Wiki Page Updates Initial Review

Awesome job :sharebeer. Thank you. Why did you not include FNILX or FSPGX as other Large Cap index funds in the table? I realize there’s overlap with the S&P 500, but they are still good low cost available index funds. Added Large Cap Index segment to the table: User:Lexor/Fidelity#Index_Funds . re...
by RootSki
Fri Feb 14, 2020 7:51 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Wiki Page Updates Initial Review
Replies: 58
Views: 3749

Re: Fidelity Wiki Page Updates Initial Review

Awesome job :sharebeer. Thank you.

Why did you not include FNILX or FSPGX as other Large Cap index funds in the table? I realize there’s overlap with the S&P 500, but they are still good low cost available index funds.
by RootSki
Fri Feb 14, 2020 11:06 am
Forum: Personal Investments
Topic: Alternatives to Edward Jones
Replies: 44
Views: 4048

Re: Alternatives to Edward Jones

How do you think EJ can have some many offices? They are charging people crazy fees to support them.
by RootSki
Fri Feb 14, 2020 8:48 am
Forum: Personal Investments
Topic: Help Me Break Free From Raymond James
Replies: 47
Views: 14422

Re: Help Me Break Free From Raymond James

I love these threads. Especially when the OP sticks around and reports back major successes! Congratulations :moneybag
by RootSki
Fri Feb 14, 2020 3:59 am
Forum: Personal Consumer Issues
Topic: What are your not free but still frugal hobbies?
Replies: 102
Views: 7580

Re: What are your not free but still frugal hobbies?

Smoking meats. A good electric smoker is <$400. Ribs, brisket, pork belly are some of the cheapest cuts of meat per pound, and you’re already spending money on food. Spices, wood chips & bbq sauce are also pretty cheap. This is a great hobby and you have to eat anyway. Including food prep, 3 racks o...
by RootSki
Thu Feb 13, 2020 5:26 pm
Forum: Investing - Theory, News & General
Topic: Challenge: Fastest way to lose money in the market?
Replies: 85
Views: 5223

Re: Challenge: Fastest way to lose money in the market?

I would sign my nemesis up with Edward Jones :twisted:
by RootSki
Thu Feb 13, 2020 5:09 pm
Forum: Personal Investments
Topic: Selling shares to buy a car? Yikes!
Replies: 47
Views: 4378

Re: Selling shares to buy a car? Yikes!

I sold $50K of mega-corp stock last year to buy a new Volvo XC60. No regrets at all. I’m way overweight in mega stocks and I LOVE my XC60 T8. I hate carrying debt around. 8-)
by RootSki
Thu Feb 13, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14070

Re: Am I crazy to consider quitting my job?

OP, If I were you, I would make the husband quit his stressful job, and you go full time. You have a stable federal job, with health insurance and pension. And your salary seems good. And they don't bug you outside working hours. But the husband is in a high stress environment, insurance costs more...
by RootSki
Thu Feb 13, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3893

Re: Yet another 2 -> 1 income thread

I contacted a realtor today. We’re moving forward with this plan. Thanks to my BH friends I’m feeling much more confident about giving my wife an early “retirement”. With taking care of a baby she will likely be working a lot harder with that than she did with her current day job. I take care of my...
by RootSki
Thu Feb 13, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3893

Re: Yet another 2 -> 1 income thread

You've done a fantastic job accumulating assets, congrats to both of you. This is an easy decision based on everything you've mentioned. Let her enjoy the time at home with your new son. You could be surprised how at much it improves YOUR career to have a SAHW. It has benefited mine greatly. That i...
by RootSki
Thu Feb 13, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3893

Re: Yet another 2 -> 1 income thread

We had almost the exact situation years ago. We had a rainbow baby late in life too. My husband enjoyed his work, but I had a meh office job. I worked for several years after my baby was born, but I wasn't happy. I left almost a decade ago and never looked back. We did not have as much saved as you...