Search found 1646 matches

by chevca
Wed Jul 18, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Simulating VTSMX w/ TIAA 500 Index and Vanguard Explorer
Replies: 1
Views: 102

Re: Simulating VTSMX w/ TIAA 500 Index and Vanguard Explorer

I would do 81.5/18.5.... I'm kidding. Go 80/20 and call it good. Why make it any less simple than that?

Personally, I would just go with the Index 500 fund for true simplicity since there won't be much difference between that and a TSM fund or set up. But, that's just me.
by chevca
Wed Jul 18, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Making an offer on a 'new' home from builder
Replies: 9
Views: 925

Re: Making an offer on a 'new' home from builder

Others have talked about having them rough in plumbing, for example, to add your own sink. These types of builders (non custom), cannot and will not do any such thing. Nothing will go unfinished as it will not meet code. It meets code just fine. Do you think other builders don't have to pass code i...
by chevca
Wed Jul 18, 2018 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Selling mom's house
Replies: 26
Views: 1399

Re: Selling mom's house

If they can't even insure the house, it seems like it's going to take a good bit more than $10-15k to get it fixed up right. As tough as it can be to let go, there's no point in keeping track of what's been done in the past, who paid for what, and who went to the doctor's office. That's not likely t...
by chevca
Tue Jul 17, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2267

Re: When to invest 100000?

vu8 wrote:
Tue Jul 17, 2018 3:16 pm
I am 100% sure that a crash (35-50%) is coming.
Well, obviously you should wait for that to happen then invest it all. I mean, 100% is a sure thing, right? :happy
by chevca
Tue Jul 17, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Making an offer on a 'new' home from builder
Replies: 9
Views: 925

Re: Making an offer on a 'new' home from builder

In my experience with new build homes, it's not so much "offer", but 'ask for'. If you try to low ball them, you will likely get laughed at. They won't go lower on the home price because then others asking for that model can ask lower. I'd guess they keep structural things like another garage stall ...
by chevca
Tue Jul 17, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: How to reinvest previous years gains to facilitate compounding effect.
Replies: 6
Views: 717

Re: How to reinvest previous years gains to facilitate compounding effect.

You don't... let it keep on growing. That's what compounding is.

Are you asking how to keep your 65/25/10 percentages? Look up rebalancing. Basically, that is selling the one that's done well to buy the one, or the others that didn't do so well.
by chevca
Wed Jul 11, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5348

Re: Anyone take naps at work?

First, i work shift work... and a horrible shift at that.

An old timer once said, there are two types of people that work shift work, those that sleep on shift work, and those that lie about sleeping on shift work. 🙂
by chevca
Tue Jul 10, 2018 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3390

Re: Car totaled by uninsured driver

That didn't take long to be recognized. :happy
by chevca
Tue Jul 10, 2018 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3390

Re: Car totaled by uninsured driver

"I swear to God, I'll pistol whip the next guy that says Shenanigans" :D

(movie quote, so I don't get in trouble)
by chevca
Tue Jul 10, 2018 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4497

Re: Target date funds....unsophisticated?

Yes, you are unsophisticated. But the question is, is that a problem? I say, no, it's not.

If investing is about as exciting as watching the grass grow, you're doing it just about right, IMO. :happy
by chevca
Tue Jul 10, 2018 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3390

Re: Car totaled by uninsured driver

F150HD wrote:
Mon Jul 09, 2018 11:42 pm
Seems unfair for the guy to walk away 'scott free' after totaling someones car. That makes no sense.
What do you think there is to get from someone like that?

Of only the world were free of deadbeats, huh?
by chevca
Tue Jul 10, 2018 12:20 am
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 8518

Re: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters

Is there a way to tie interest or mortgage rates into this? I believe the last time mortgage rates were at these historical lows was the 1950s or so. Is that something to consider with all this? Uh, how? What do you have in mind? I'm not really seeing how mortgage rates affect one's portfolio. Or a...
by chevca
Mon Jul 09, 2018 11:24 pm
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 8518

Re: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters

Is there a way to tie interest or mortgage rates into this? I believe the last time mortgage rates were at these historical lows was the 1950s or so. Is that something to consider with all this?
by chevca
Mon Jul 09, 2018 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3390

Re: Car totaled by uninsured driver

Will the police do the work to "discover" that he was uninsured or should I contact them to let them know? I'm out my car and sounds like probably my deductible, but I'm more upset about the guy driving so unsafely though my neighborhood without insurance than anything. No, the police made the repo...
by chevca
Mon Jul 09, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5782

Re: Any Dry Powder Strategies?

Okay, you admit it's a market timing gig. As long as you realize that, I won't really argue it with you. Another question though... if you're nearing FI, how much of your portfolio is this dry powder strategy, and does it really matter in your FI goal what this little bit does? (Assuming it's just ...
by chevca
Mon Jul 09, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5782

Re: Any Dry Powder Strategies?

Also, note 2 things I am only doing this with monies above and beyond what I feel I need for retirement and if I had 100% confidence in this strategy I would be using TBM instead of Balanced Index to park my excess contributions. So take with a large grain of salt and some fries. If it is money abo...
by chevca
Mon Jul 09, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5782

Re: Any Dry Powder Strategies?

Okay, you admit it's a market timing gig. As long as you realize that, I won't really argue it with you. Another question though... if you're nearing FI, how much of your portfolio is this dry powder strategy, and does it really matter in your FI goal what this little bit does? (Assuming it's just a...
by chevca
Mon Jul 09, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 1851

Re: New and looking for help simplifying portfolio for FIRE(?)

Wow, props to you for doing all the math to figure out the minimal percentages of some of those holdings. Yes, simplify. I'm not even sure how to go about it with that many funds. But, some of them can only be a thousand or few thousand dollars. There can't be that much of a tax worry? Although, I g...
by chevca
Mon Jul 09, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on MidCap Index Funds
Replies: 6
Views: 612

Re: Advice on MidCap Index Funds

You're not wrong. Do a search for 'Mel's unloved mid caps', or similar to that. The mid caps don't get mentioned much, but they may be worth paying attention to.
by chevca
Mon Jul 09, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Boglehead - Help with Savings / Investing
Replies: 5
Views: 453

Re: Newbie Boglehead - Help with Savings / Investing

Agree with the others... You're doing great for mid-30s. I'd leave the TSP as is, but might look into consolidating the old 401k to the new 401k. Depends on funds and fees in each one though. And, pay off the CC tomorrow. Why hang onto that? Be done with it. You mentioned "partner", so I assume tax-...
by chevca
Mon Jul 09, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Small windfall for 71yo
Replies: 4
Views: 878

Re: Small windfall for 71yo

My mother’s nursing home cost was $12,000 per month in a MCOL. So $100,000 is not more than enough for LTC. She could consider the Vanguard LifeStrategy Income Fund, which 20% stocks/80% bonds. I second this advice. That $100k could go quickly depending on what type of care may be needed. If she's ...
by chevca
Mon Jul 09, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5782

Re: Any Dry Powder Strategies?

That "maybe" thing is key here. We all know TImelord will never retire, since they've been "nearing retirement" for years now. So, these are mainly thought exercise threads anyway. :happy

I kid... I'm hoping Timelord does actually retire one of these years. They've earned it.
by chevca
Mon Jul 09, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Continue to Rent or Sell
Replies: 20
Views: 1535

Re: Rental Property - Continue to Rent or Sell

Well, it was inherited. So, I assume they will always be able to make some money on it, as they didn't pay for it. :happy

(assuming it's paid off and inherited without a mortgage)
by chevca
Mon Jul 09, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on MidCap Index Funds
Replies: 6
Views: 612

Re: Advice on MidCap Index Funds

OldSport wrote:
Mon Jul 09, 2018 6:53 pm
Some may say go 70% Total and 15%/15% SC/SCV, but the mid caps hold different funds than SC and SCV.
That would be my vote, just for simplicity. But, that is a heavy small cap tilt

How about 80/10/10... TSM/SC/SCV?
by chevca
Mon Jul 09, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs pretax/457.
Replies: 6
Views: 361

Re: Roth vs pretax/457.

I agree with what has been said so far. There is a case to be made for Roth 401k/457b contributions when one will receive a good pension someday. But, that's more for when the pension will nearly match the pay one earned while working, or when the pension will put you in the same tax bracket as when...
by chevca
Mon Jul 09, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Continue to Rent or Sell
Replies: 20
Views: 1535

Re: Rental Property - Continue to Rent or Sell

There was a recent thread about being a landlord, sorry, don't feel like searching for it, where someone made a statement I feel is very true to this situation. It was basically, do you want to have 10 plus rental properties/units... if yes, be a landlord... if no, stay out of the business. They sta...
by chevca
Mon Jul 09, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: When bond indexes are unavailable
Replies: 5
Views: 629

Re: Is three a crowd for retirement accounts?

Three accounts is plenty reasonable, IMO. I wouldn't change a thing.
by chevca
Mon Jul 09, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5782

Re: Any Dry Powder Strategies?

That's just mental gymnastics, IMO. Why do you need 2 funds? Put what you're comfortable with into an S&P 500 or TSM fund now and keep the rest in cash (actual "dry powder"). Well normally I would do TSM and then TBM for Dry Powder, thus 2 funds. This way I only have 1 fund and zero calculations on...
by chevca
Mon Jul 09, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Continue to Rent or Sell
Replies: 20
Views: 1535

Re: Rental Property - Continue to Rent or Sell

Do you like being and want to continue being a landlord?

If no, sell. If yes, keep it.

Also, how would you feel about having to replace the roof, HVAC, or some other big expense?
by chevca
Mon Jul 09, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5782

Re: Any Dry Powder Strategies?

That's just mental gymnastics, IMO. Why do you need 2 funds? Put what you're comfortable with into an S&P 500 or TSM fund now and keep the rest in cash (actual "dry powder").
by chevca
Mon Jul 09, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5782

Re: Any Dry Powder Strategies?

I'm not familiar with the Fidelity Puritan funds. But, how is keeping money in the Balanced Index fund, which is 60% stocks, considered "dry powder"?
by chevca
Mon Jul 09, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund in Roth?
Replies: 7
Views: 573

Re: Emergency Fund in Roth?

I have 60,000 in an emergency fund earning 1.6% at Capital One360. But it came to me I might have a better solution. If I put 6500 yearly as I am still working in my 60’s into a Roth I could take it our without a penalty at any time should the need be. Then if I don’t need it would be nontaxable an...
by chevca
Mon Jul 09, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund in Roth?
Replies: 7
Views: 573

Re: Emergency Fund in Roth?

Sounds good to me. But, I wouldn't consider it part of the EF. I would put $6500 into a Roth IRA from the EF, consider it part of my investment portfolio, and add back to the EF from income to get back to $60k if that's your comfort spot that way. Then do that again each January. What did you mean b...
by chevca
Sun Jul 08, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Professional Crossroads - need advice
Replies: 9
Views: 1263

Re: Professional Crossroads - need advice

If you took this chance/opportunity and it didn't work out, would you be able to get your old job back or something similar easy enough? It seems you're in a great spot to take the chance, as your income isn't really necessary to afford your lifestyle currently. Good job on that, by the way. If it's...
by chevca
Sun Jul 08, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5355

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Why is it that those that do most of their own work on their cars do the most arguing in these kids of threads? :happy
by chevca
Sun Jul 08, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: 36 yr old BH Newbie with substantial savings- Help!!!
Replies: 81
Views: 11630

Re: Please help 36yr old with Asset Allocation!!

If your biggest fear is a drop in the market and you have been mostly cash so far, an 80/20 AA may be a bit aggressive for you. Just my take on it. But maybe 60/40 or even 50/50 would be better. And, $64k in about 50 individual stocks... yikes. They're probably just duplicates of stocks you would ho...
by chevca
Sun Jul 08, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Used Honda - How to confirm it was serviced on time?
Replies: 18
Views: 1196

Re: Used Honda - How to confirm it was serviced on time?

Did he change the oil and replace the battery himself?
by chevca
Sun Jul 08, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5355

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

So, would you pay a dealer to do this? :happy

As I said, it's surely not a bad thing to do it. Just not necessary for typical normally driven vehicles. If you like to do it, have at it.
by chevca
Sun Jul 08, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Used Honda - How to confirm it was serviced on time?
Replies: 18
Views: 1196

Re: Used Honda - How to confirm it was serviced on time?

You don't.

Even if you bought from a dealer, you are likely not going to ever know if a used vehicle was serviced exactly on time during it's life.

Have it inspected by a mechanic before buying, if you're concerned.
by chevca
Sun Jul 08, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: I did not know about the Lifestyle funds. [Vanguard LifeStrategy]
Replies: 13
Views: 2382

Re: I did not know about the Lifestyle funds. [Vanguard LifeStrategy]

Based on posts at mutual fund observers the funds only differ in stock bond allocation. In particular the share of us equities to foreign equities is the same for all funds so if you want fewer foreign stocks (or more) than Vanguard thinks you should have you will need to own at least on additional...
by chevca
Sun Jul 08, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: What methods are you using to deterimine price to offer on new cars
Replies: 15
Views: 1344

Re: What methods are you using to deterimine price to offer on new cars

Search around for just the vehicle I like, at a price I like, and buy it. I don't play all the games to get the absolute lowest price. I'm more specific in what I want in the vehicle though. Not so much any vehicle within a given range as long as the price is lowest, so..
by chevca
Sun Jul 08, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5355

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

This brake fluid/brake fade deal being talked about is a non-issue for about all passenger vehicles out there. In normal driving, one is likely to never experience this. Unless you're driving like a police officer on a long code run, you will probably never experience brake fade. Or, driving like th...
by chevca
Sun Jul 08, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Death & Dismemberment Insurance
Replies: 22
Views: 1442

Re: Accidental Death & Disability Insurance

How does one go shopping for ADD insurance for a reasonably high amount? I am thinking $1M for me and my spouse. Lots of "nos" here but I'm with you. I bought this very inexpensively when I moved to my new (and now-present) location and came to the conclusion that the most likely way that I would d...
by chevca
Sun Jul 08, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Death & Dismemberment Insurance
Replies: 22
Views: 1442

Re: Accidental Death & Disability Insurance

I Know full well that AD&D does not replicate Term insurance. Different phase of life. Term is in place. Will soon run out. All basic needs and more taken care of for everyone concerned. This is just something additional for them to ease the pain -- under the assumption that it will be at a fractio...
by chevca
Sat Jul 07, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Other alternatives
Replies: 14
Views: 863

Re: Other alternatives

Each fund should have and expense ratio (ER) listed with it. They can be 0.05, 0.50, 1.00, or anywhere in between. It should be right alongside the fund on the list.
by chevca
Sat Jul 07, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Other alternatives
Replies: 14
Views: 863

Re: Other alternatives

Also, what other accounts, investments, and what AA you use.
by chevca
Sat Jul 07, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan to pay off debt?
Replies: 37
Views: 1622

Re: 401k loan to pay off debt?

I was at 85k two years ago and now am down to 33k. The bills won't rack back up after it's paid off. You've already done the heavy lifting then. The time to think of this might have been a couple years ago. As thx brought up earlier, there's not much to be saved or gained by taking a loan out now. ...
by chevca
Sat Jul 07, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Conundrum
Replies: 5
Views: 696

Re: Another Home Affordability Conundrum

So, basically a $200k to $300k mortgage after down payment? You guys can afford that no problem... together. If the plan is to just have your income and pay for the mortgage, that may be pushing it if you go to the upper limit. I'd stick towards the low end if you really want to do it on just one in...
by chevca
Thu Jul 05, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Skillful at saving but not investing
Replies: 37
Views: 3716

Re: Know how to save. No clue how to invest.

We are gliding into retirement over the next couple of years and with no debt, income from a rental, investments and low expenses, we will not need any RMD's, possibly ever. Income in retirement will more than cover all expenses inc. modest travel. Could wait until we both are 70 to collect a min. ...
by chevca
Tue Jul 03, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 95
Views: 5846

Re: Any Boglehead powerlifters?

Very true!