Search found 218 matches

by ETadvisor
Wed Jun 20, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 1971

Re: 1st Car Mechanic service experience

I get my car serviced at the dealership. I feel I'm getting over charged and under serviced. I recently bought a new make of car so I've switched dealerships. So far I've gotten adequate service (but still overcharged), but that only includes 2 oil changes and a warranty repair on a burnt out tail ...
by ETadvisor
Wed Jun 20, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 1971

Re: 1st Car Mechanic service experience

I do quite a bit of DIY, but that's obviously not for the OP. In my opinion it sounds like he was charged a fair price. Especially when I think of all those owners who continue to go to their dealer, after the warranty has expired, for things like oil changes and tire rotation. Neilpilot Thank you ...
by ETadvisor
Wed Jun 20, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 1971

Re: 1st Car Mechanic service experience

If you followed the maintenance schedule for your car, you would know if/when your air filter needs to be replaced. And don't be fooled by the "they showed me the old filter" trick. [/b] It is widely known that some mechanics will show you a previously used/discarded filter, claiming it is yours an...
by ETadvisor
Wed Jun 20, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 1971

Re: 1st Car Mechanic service experience

I always serviced my cars at dealerships and I always felt I was getting over charged. I have no interest for DIY car maintenance. I never knew of any reliable car mechanics so always used the car dealerships. Finally today, with the referral and strong recommendation of a co-worker, I took my 110k...
by ETadvisor
Wed Jun 20, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 1971

1st Car Mechanic service experience

I always serviced my cars at dealerships and I always felt I was getting over charged. I have no interest for DIY car maintenance. I never knew of any reliable car mechanics so always used the car dealerships. Finally today, with the referral and strong recommendation of a co-worker, I took my 110k ...
by ETadvisor
Wed Jun 20, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 153
Views: 7231

Re: Which Supermarket are you?

I have numerous convenient choices. An approximate percentage would be 60% Costco, 20% Target, 15% Trader Joe’s and 5% Whole Foods. As for the organic information I do believe the part about certain vegetables and fruits are more risky as non organic. Food with thin skins that are fully consumed su...
by ETadvisor
Tue Jun 05, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 11
Views: 1055

Re: Asset Allocation

1. FID 500 Index Fund- Institutional Premium Class (FXAIX)- 50% 2. FID Extended Market Index (Mid-Cap Blend) (FSEVX)- 20% 3. FID International Index Fund (Foreign Large Blend) (FSIVX)- 20% 4. Vanguard Total Bond Market Index (VBTIX)- 10% As I get closer to 40 (am currently 33), I am planning to sta...
by ETadvisor
Tue Jun 05, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7451

Re: Is our monthly Personal money out of line?

Fellow BH's: I'm curious what people allocate in their monthly budget for personal money. My wife and I take home about $13,500 a month on average (not including a yearly bonus in March). I set aside $500 in our budget spreadsheet for me (this also covers misc trips to Home Depot and the like). I h...
by ETadvisor
Mon Jun 04, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Is it fine to have 100% of portfolio in VTSAX
Replies: 33
Views: 3116

Re: Is it fine to have 100% of portfolio in VTSAX

I'm also in my younger 30's, I'm 100% stocks. I started off doing SP500 ETF/MF, and then realized VTSAX was a little better, So I started exclusively doing that. Then I realized its a good idea to do some international, so after having a decent chunk in the market, I now have about 20% of my auto i...
by ETadvisor
Mon Jun 04, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1019189

Re: What Movie Have You Recently Watched?

We just went to see Solo and we loved it. I recommend it. Solo: A Star Wars Story, about the beginnings of Han Solo, was excellent. Saw it today. The young actor gave a plausible interpretation of the character that Harrison Ford took on. And Woody Harrelson was just excellent. As was the young Lan...
by ETadvisor
Mon Jun 04, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 273
Views: 12453

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

Not sure if this helps but when I was in law school, we had a MD in our class who desired to switch from Med to Law. He was an excellent student and more worldly than the young 1ls such as myself who just graduated college. I do not know how it panned out for him and I do not know if he was 60 or 50.
by ETadvisor
Sat Jun 02, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Why have a savings account at all?
Replies: 153
Views: 10533

Re: Why have a savings account at all?

I get 2% on up to 25k in my checking. I count cash and bonds together in my AA. I include my emergency fund in my AA . I keep 6 months expenses in my checking account, 20k. This is my approach as well. I think it is also important to emphasize that I am in the accumulation stage. I strive to max ou...
by ETadvisor
Tue May 29, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Estate Planning roadblocks - ideas?
Replies: 18
Views: 1858

Re: Estate Planning roadblocks - ideas?

My wife and I are embarrassingly late in getting our estate planning completed. We've now contacted an attorney, and this time we really want to get this done. The attorney has sent us an estate planning questionnaire to fill out prior to our first appointment, and we're running into the same roadb...
by ETadvisor
Tue May 29, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of inherited house by estate: tax question
Replies: 15
Views: 1334

Re: Sale of inherited house by estate: tax question

My Mom passed away on 11/1/17. Estate went into probate. I'm the executor. We estimated her house had a value of $315,000 on the probate inventory without doing a formal appraisal (we were nowhere close to any form of inheritance tax or a change in the probate listing fees--so the precise value did...
by ETadvisor
Sat May 26, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8295

Re: Help Buying Mens Shoes for Work and Dating

Sometimes overlooked and more of an issue with brown shoes is to get a belt with a close matching color to the brown. I also prefer lighter shade of brown and it goes with everything.
by ETadvisor
Fri May 25, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Rum and Summer Cocktails
Replies: 30
Views: 2042

Re: Rum and Summer Cocktails

Atilla wrote:
Fri May 25, 2018 9:02 am
Nothing fancy, but I have always preferred rum and orange juice vs. a screwdriver.
This is my wife's drink also or with apple juice or pineapple juice. Too sweet for me.
by ETadvisor
Thu May 24, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Additional Liability of Getting Married (Protecting Taxable accounts)
Replies: 18
Views: 1814

Re: Additional Liability of Getting Married (Protecting Taxable accounts)

Long time reader, first time poster: We are both in our Mid 20s. 1) To protect her large amount of money, would placing that money or a large chunk of that money in a trust under her control protect it so that she can pay for law school without loans? I trust myself, but I understand people change,...
by ETadvisor
Thu May 24, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6128

Re: What’s your phone/internet bill?

Internet: $40/mo for 25 mbps cable (promo pricing for first 12 months, but I'll be "moving" after that) Phone: $100/mo for 4 lines on grandfathered T-Mobile Simple Choice plan I also participate in a grandfathered T-Mobile plan with $100/mo for 4 lines and additional 1 line for free. It is my paren...
by ETadvisor
Thu May 24, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401k funds please help me chose.
Replies: 26
Views: 1706

Re: 401k funds please help me chose.

lepa71 wrote:
Thu May 24, 2018 7:44 pm
I think all employers contribution goes into Trad 401k. Somebody wants their money eventually.
Yes, I just highlighted it as something to incorporate when determining your split among other variables, specifically taxes.
by ETadvisor
Thu May 24, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: work one more year or attend law school
Replies: 67
Views: 5022

Re: work one more year or attend law school

I firmly believe a law degree is one of the greatest educations you can achieve. If you want to practice law do it and unlike some other professions most lawyers flourish with age/experience and gain job stability. Options (partner, of-counsel) are unlimited as you age and you can work into your 70'...
by ETadvisor
Thu May 24, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 5708

Re: Florida Living

Our family of 3 (in our mid 30's with a child almost 5 years old) is considering moving from the north east to Florida but need some help zoning in on specific areas. We appreciate the convenience that comes with living in a city, but don't need it to be too large. We like being able to get to movi...
by ETadvisor
Thu May 24, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: 401k funds please help me chose.
Replies: 26
Views: 1706

Re: 401k funds please help me chose.

]'m looking back at my statement and I think I meant to say that I can split contributions between Trad 401k and Roth 401k. I don't see anywhere as to how I can dedicate specific funds to one vs another. I only have a percentage split between the two. That seems correct and is the way my 401k is al...
by ETadvisor
Thu May 24, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 59
Views: 4934

Re: I've never budgeted sucessfully

If you aren't big spenders and have no bad habits how do you think you can you save more? If you aren't sure where you money is going you don't need software necessarily - you can limit all spending to a single credit card and at the end of the month (or end of quarter or year) dump the statement i...
by ETadvisor
Wed May 23, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: How long to hold 80/20 asset allocation
Replies: 58
Views: 9201

Re: How long to hold 80/20 asset allocation

My asset allocation is based on my total amount saved. I have a written policy that upon reaching specific milestones in terms of money, I will reduce the risk. Currently I am 85/15, but once I reach $100K goal in retirement money, it will be 80/20. ^This is how I do it also. My milestone is higher...
by ETadvisor
Wed May 23, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help simplifying 401k
Replies: 13
Views: 1002

Re: Help simplifying 401k

I have very similar 401k options as yours. I sold the Emerging Market because of the High ER and purchased it in my Wife's Roth. I was at 13% in my 401k but now closer to 5% overall and I will increase with new money. I also would add some small cap and mid cap within your 65% domestic equity AA by ...
by ETadvisor
Wed May 23, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: 401k funds please help me chose.
Replies: 26
Views: 1706

Re: 401k funds please help me chose.

My company now has a 401k plan. There are not that many low ER funds and I need help making a selection. Please help. https://drive.google.com/uc?export=download&id=1wqgpg67dgzsXUkCP6w19EZEt0MzMt1VioA I can do different funds for Trad 401k vs Roth 401k. I was looking at those in green. Thanks You a...
by ETadvisor
Sat May 19, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Begin With ETF's or Wait Until 3k?
Replies: 15
Views: 856

Re: Roth IRA: Begin With ETF's or Wait Until 3k?

Vanguard web page has a ETF Q & A. I am not sure how to post link. I would review that as you can't convert Vanguard ETFs back to conventional Vanguard mutual funds. I.E. convert VTI to VTSMX. However the reverse is allowable to convert mutual funds to ETFs.
by ETadvisor
Sat May 19, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 134
Views: 9232

Re: Dave Ramsey it or keep low interest debt

I have 3 debts as follows 20k car loan - 0% 38k car loan - 1.9% 226k mortgage - 3.625% Annual income 255k Fully funded emergency fund (6 months) Right now I save 86k annually. Should I continue saving as is (via 401k, Roth, taxable) or save less to knock out these very low interest loans? I know th...
by ETadvisor
Fri May 18, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75097

Re: Netflix, Your Current Favorite Show

scb175 wrote:
Fri Mar 16, 2018 9:15 am
Wife and I struggling to find a new Netflix show to watch. We have completed Breaking Bad, Better Call Saul, Ozark, Bloodline, Stranger Things, and we recently just finished Dexter. Have loved all of them -- didn't want Dexter to end! Any recommendations?
Madmen

Bates Motel

Walking Dead
by ETadvisor
Thu May 17, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Cash instead of bonds for 3-fund
Replies: 22
Views: 2136

Re: Cash instead of bonds for 3-fund

This is in a 401k so I think I can't TLH it. I spent some time on portfoliovisualizer, and I found that a cash+stock portfolio has not done as well as a bond+stock portfolio even if you make the stock allocation quite a bit bigger. I will stick with the intermediate-term bond fund. Do you have EF i...
by ETadvisor
Thu May 17, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Are you including annual increases in contributions in your projections?
Replies: 36
Views: 1741

Re: Are you including annual increases in contributions in your projections?

if you're already maxing your 401k and IRA, that annual increase doesn't matter for those buckets... Sure it does. Both 401k and IRA limits increase over time. Agree. I think I was focused on your example of contributing 10,000 so that wasn’t maxing. Good thread. You have two unknown variables, the...
by ETadvisor
Thu May 17, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance house to defer more?
Replies: 34
Views: 1694

Re: Refinance house to defer more?

Between the Roth, ESPP and HSA, I compute about 32% of gross and that does not count the 10% to 401k. I would think that is a handsome savings rate. Is it normal practice to exclude the 401K as part of savings? (when expressed as a percent of gross) I agree with you that the OP has a very good savi...
by ETadvisor
Thu May 17, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: The Executor's Duties
Replies: 13
Views: 1235

Re: The Executor's Duties

I have a question here in the State of Ohio. The executor is in charge of a lot of things. One is to distribute the inheritance according to the will. My question is when everything is done can the executor give themselves their part of the inheritance, and can the law firm handling the case take t...
by ETadvisor
Sun May 13, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: Asset allocation in Roth vs pre-tax
Replies: 19
Views: 1600

Re: Asset allocation in Roth vs pre-tax

There's legit arguments for doing different stuff to Roth vs tax-deferred. "Put more return in Roth because it's tax exempt" just isn't one of them, because you want better returns on all your investments, not just Roth. From the Bogleheads Wiki: If all else is equal (and it often isn't, because yo...
by ETadvisor
Sun May 13, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: First time seller interviewing realtors--what to ask?
Replies: 19
Views: 1693

Re: First time seller interviewing realtors--what to ask?

livesoft wrote:
Sat May 12, 2018 7:16 pm
So you aren't going to ask them how much they charge and if they will take a lower fee?
+1
by ETadvisor
Sun May 13, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Refinance house to defer more?
Replies: 34
Views: 1694

Re: Refinance house to defer more?

Sorry. I'm 32, my 401k is $100k and my Roth space is $11k. I have an emergency fund of $30k in taxable CDs and high-interest savings. I have about $10k in an HSA. I forgot to mention I also max my HSA contributions every month, although I'm thinking of alternating years that I have a high-deductibl...
by ETadvisor
Sun May 13, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: 4 cars for 3 drivers?
Replies: 15
Views: 1162

Re: 4 cars for 3 drivers?

I own 2 cars for 2 drivers. :D We both drive the 2 cars playing the mileage game.
by ETadvisor
Sun May 13, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: VEU dividend reinvestment
Replies: 2
Views: 296

VEU dividend reinvestment

My initial purchase of the Roth IRA was in VEU. All new money has been replaced with VXUS mixed with other funds as needed for my AA. Should I turn off my VEU dividend reinvestment as I do not plan to buy it anymore. VEU accounts for 1/3 of my Roth IRA and entire Roth is low 5 digits. EDIT: VEU = FT...
by ETadvisor
Sun May 13, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Refinance house to defer more?
Replies: 34
Views: 1694

Re: Refinance house to defer more?

Sorry. I'm 32, my 401k is $100k and my Roth space is $11k. I have an emergency fund of $30k in taxable CDs and high-interest savings. I have about $10k in an HSA. I forgot to mention I also max my HSA contributions every month, although I'm thinking of alternating years that I have a high-deductibl...
by ETadvisor
Sat May 12, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 26
Views: 2181

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

monkey_business wrote:
Sat May 12, 2018 4:15 pm
Mazda 3 might be another option.
+1 Driving one now

Anyone recommend the Kia Forte?
by ETadvisor
Sat May 12, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: How can I keep track of my monthly spendings?
Replies: 36
Views: 3083

Re: How can I keep track of my monthly spendings?

If you spend all money on credit card, the American express (blue cash everyday) provides the best (in my experience) breakdown of your expenses in categories with colorful pies, etc. Also provides a year end report. I chase the cash back so I need to use other credit cards and they are all lumped t...
by ETadvisor
Sat May 12, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 5372

Re: Advice on building a timeless mens wardrobe?

A few dark suits (two would suffice) A navy blue blazer Khakis (tan/beige, navy blue) Long-sleeve button-down dress shirts (white/sky blue mostly) Neck ties (conservative colors; go easy on the patterns) Short-sleeve polos (conservative colors; go easy on the patterns) Dress socks (black/grey, navy...
by ETadvisor
Sat May 12, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer - tips?
Replies: 37
Views: 6910

Re: Cancer - tips?

In addition to the power of attorney for financial affairs, you need a power of attorney for health care. You may also want a document that addresses extreme measures to keep you alive, if you do not want them (I forget the name for that document). Living Will; Not the same as Last Will and Testame...
by ETadvisor
Sat May 12, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to use ETFs in a Roth IRA?
Replies: 12
Views: 904

Re: Is it ok to use ETFs in a Roth IRA?

ETadvisor wrote:
Sat May 12, 2018 1:32 pm
It is 100% funded in my mine specifically VTI (Total Domestic Stock Market) VXUS (Total International Stock Market) & VWO (Emerging Market)
Edit: I also have residual cash
by ETadvisor
Sat May 12, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to use ETFs in a Roth IRA?
Replies: 12
Views: 904

Re: Is it ok to use ETFs in a Roth IRA?

It is 100% funded in my mine specifically VTI (Total Domestic Stock Market) VXUS (Total International Stock Market) & VWO (Emerging Market)
by ETadvisor
Sat May 12, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 4765

Re: How to think about schools/homes (Greatschools/Niche)

I would want my kids to go to the best possible schools. That is the most important factor in my mind. That is not the question. Do you know anybody who is well educated who says, "I don't really care about my kid's education and would rather buy the house down the street from my favorite restauran...
by ETadvisor
Sat May 12, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 4765

Re: How to think about schools/homes (Greatschools/Niche)

Alexa9 wrote:
Sat May 12, 2018 12:59 pm
I would want my kids to go to the best possible schools. That is the most important factor in my mind.
+1
by ETadvisor
Sat May 12, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 4765

Re: How to think about schools/homes (Greatschools/Niche)

I’m sure this has come up enough times, but I’ll ask again. My family is in a bind regarding whether to buy a home in a slightly more affluent neighborhood with excellent schools. Our current home is a nice home in a beautiful neighborhood, but it is zoned to average schools. The schools are ranked...
by ETadvisor
Sat May 12, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24229

Re: Lucrative careers?

For someone targeting a 4-5 year degree, I'd recommend: CPA / Accounting - will always be in demand (death and taxes). Large accounting firms have partner-path careers where $200K+ not uncommon for most the successful. Services are needed in every town across America. ^This Even better is combined ...