Search found 175 matches

by ThriftyPhD
Tue Dec 12, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: 401k Asset Allocations
Replies: 12
Views: 559

Re: 401k Asset Allocations

I’m thinking of changing my target date fund to... 10% S&P 500 Index 20% International Equity Index 10% Large Cap Value Index 40% Small Cap Value Index 10% REIT Index 10% Emerging Market Thoughts? Thank you :) You'll notice that most of the advice people have on this board is the Three Fund Portfol...
by ThriftyPhD
Sat Dec 09, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 43
Views: 2225

Re: Linux based laptop or just a Windows based laptop formatted?

You can get laptops with Linux preinstalled from the big companies. http://www.dell.com/learn/us/en/04/campaigns/xps-linux-laptop-us https://support.lenovo.com/us/en/solutions/pd031426 As you mention, driver support can be the issue. If you get the laptop version that comes with linux, you're going...
by ThriftyPhD
Fri Dec 08, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 43
Views: 2225

Re: Linux based laptop or just a Windows based laptop formatted?

You can get laptops with Linux preinstalled from the big companies. http://www.dell.com/learn/us/en/04/campaigns/xps-linux-laptop-us https://support.lenovo.com/us/en/solutions/pd031426 As you mention, driver support can be the issue. If you get the laptop version that comes with linux, you're going ...
by ThriftyPhD
Mon Dec 04, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Did I miss the Boat ??. What is everybody's take on RE trend in NY Tri-state ??
Replies: 5
Views: 606

Re: Did I miss the Boat ??. What is everybody's take on RE trend in NY Tri-state ??

What type of RE? House/condo/apartment for you to live in, house for you to rent out, multifamily rental, commercial rental, ...?

What price range are you looking? In a given area the market at different price points can be drastically different.
by ThriftyPhD
Mon Dec 04, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: How much do you need to drive a car to keep battery charged and everything else OK?
Replies: 36
Views: 2717

Re: How much do you need to drive a car to keep battery charged and everything else OK?

Some other issues: Tires don't do well just sitting in place. Often called flat-spotting, the tire can deform and flatten on the surface in contact with the ground. Can be temporary or permanent damage given severity. This is more a bigger issue if it is cold where the vehicle is being stored or if ...
by ThriftyPhD
Mon Dec 04, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: The College Bubble - investment opportunities after the collapse?
Replies: 114
Views: 7689

Re: The College Bubble - investment opportunities after the collapse?

I have 2 in college right now out of state in well known high cost institutes fortunately both on athletic scholarships. In the last year or two I have probably been to and visited 50 colleges + across the country as I have 2 more coming up and every place I go you see mass expansions at the school...
by ThriftyPhD
Mon Dec 04, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: The College Bubble - investment opportunities after the collapse?
Replies: 114
Views: 7689

Re: The College Bubble - investment opportunities after the collapse?

You're right about a lot of that. My point, which could have been more clearly made, is that foregoing an education will probably accelerate and insure the wealth evaporation process. I doubt any of the families that have maintained their wealth have done so while embracing an anti-education philos...
by ThriftyPhD
Mon Dec 04, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: The College Bubble - investment opportunities after the collapse?
Replies: 114
Views: 7689

Re: The College Bubble - investment opportunities after the collapse?

I personally believe we are in the final innings of a massive societal bubble involving a total obsession with attending college. I believe in the next 10-20 years, technology improvements will make online learning incredibly interactive and useful. Education will move in a direction fully self pac...
by ThriftyPhD
Sun Dec 03, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: When/how to pare back cash gifts to young relatives as they get older
Replies: 19
Views: 1664

Re: When/how to pare back cash gifts to young relatives as they get older

I think just pulling the plug is fine. I would send a card so they know you were thinking of them, which is really the main point anyway. They might also have kids soon, and when that happens the gift is easy to translate into giving directly to their new children if that's something you would want ...
by ThriftyPhD
Thu Nov 30, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: if IRA 100% invested..where is cash for buying opporunities?
Replies: 13
Views: 787

Re: if IRA 100% invested..where is cash for buying opporunities?

You rebalance from the bonds 40% bond 60% stock 40% hit to stocks 53% bond 47% stock Rebalance by selling bonds to buy stocks 40% bond 47% stock (old) 13% stock (new) Imagine you have 10% in cash. 10% cash 36% bond 54% stock Now, a 40% hit to stock happens 13% cash 46% bond 41% stock Rebalance by sp...
by ThriftyPhD
Mon Nov 20, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Another "To Rent or Sell" Question
Replies: 10
Views: 641

Re: Another "To Rent or Sell" Question

$1k for maintenance might be low. Usual suggestion is to budget 1% of home value. These things tend to be 'bursty'. Nothing for a couple years, and then *bam* new roof, or a couple broken windows. You also need to budget for months of no occupants during tenant turnover. Depends on how aggressively ...
by ThriftyPhD
Fri Nov 17, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund Investment Strategy
Replies: 12
Views: 976

Re: Target Date Fund Investment Strategy

Looks OK. That's probably what I'd do if I were young. Some will ask whether the brokerage account is a taxable account. Then they might point out that such an arrangement might result in higher taxable income. Lot of different ways to skin this cat. Three fund portfolio with municipals in the taxa...
by ThriftyPhD
Fri Nov 17, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund Investment Strategy
Replies: 12
Views: 976

Re: Target Date Fund Investment Strategy

Looks OK. That's probably what I'd do if I were young. Some will ask whether the brokerage account is a taxable account. Then they might point out that such an arrangement might result in higher taxable income. Lot of different ways to skin this cat. Three fund portfolio with municipals in the taxa...
by ThriftyPhD
Tue Nov 14, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5386

Re: Keurig died...what now?

If I were you, I would stick with Keurig for the simple reason that k-cups can be found everywhere. You can get them at Dunkin, Starbucks, Bed Bath & Beyond (use a coupon!), Costco, Target, Walmart, and just about every chain grocery store. Maybe I am just fixated on K-cups, but I don't see any oth...
by ThriftyPhD
Tue Nov 14, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5386

Re: Keurig died...what now?

Why the original line instead of the new one? I'm asking because I have an original line Nespresso, but it's 5 years old and I'm wondering what to replace it with when that dreaded day arrives. I've owned my original line for about a year, so the vertuoline was out and an option for me at the time....
by ThriftyPhD
Tue Nov 14, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5386

Re: Keurig died...what now?

French Press Come on, folks. The premise of the original post is that his wife "likes the K-cup concept." You don't mess around with stuff your life companion likes. He wants to know if there are better K-cup brewers than Keurig-branded brewers, not if there is any other way to make coffee. Some pe...
by ThriftyPhD
Mon Nov 13, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options (high fees!)
Replies: 26
Views: 1345

Re: Wife's 401k investment options (high fees!)

This is a good place to start. https://www.bogleheads.org/wiki/How_to_ ... 01(k)_plan

With a small company, costs might be higher because of lower assets, or the plan manager just not knowing any better. Worth having a discussion with them, they just might not even be aware.
by ThriftyPhD
Wed Nov 08, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Selling a losing equity in my Roth
Replies: 5
Views: 627

Re: Selling a losing equity in my Roth

Hmm. It is now worth 8% of what you bought it for, and is paying out 1.4% dividend based on the original price. 100/8 * 1.4 = 17.5% dividend based on current price. Frontier Communications Corp? https://investorplace.com/2017/10/high-yield-high-risk-dividend-stocks-that-arent-worth-it/ Such a high d...
by ThriftyPhD
Wed Nov 08, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 64
Views: 5101

Re: Coffee makers: Moka, French Press, etc.

The Clever Dripper is just a fancy Melitta. Not at all - it has a little valve in the bottom that retains the fluid until it's set down on the cup and so is left for a minute or 3 steeping prior to emptying so produces a much fuller bodied cup of coffee. It's one of those simple yet elegant ideas t...
by ThriftyPhD
Wed Nov 08, 2017 1:53 pm
Forum: Investing - Theory, News & General
Topic: Open a Roth but Vanguard minimum investment too high?
Replies: 19
Views: 1087

Re: Open a Roth but Vanguard minimum investment too high?

Do you have other investments? A 401(k) or similar plan? Generally one doesn't look at the Roth in isolation. Hi Earl. I just wanted to add two Roth IRAs for my wife and I. I want to start working maxing these out each year. My investments so far looks like this: TSP 401K: $42,679.64 (50% is pre-ta...
by ThriftyPhD
Wed Nov 08, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: First year review.
Replies: 7
Views: 844

Re: First year review.

Consider opening a Roth IRA in your wife's name too. More tax advantaged space, the better. As for the CDs, if they're part of your desired asset allocation, you could put them into your wife's new Roth IRA so that the growth is tax free. Is that possible without having a job? https://investor.vang...
by ThriftyPhD
Wed Nov 08, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: First year review.
Replies: 7
Views: 844

Re: First year review.

Consider opening a Roth IRA in your wife's name too. More tax advantaged space, the better.

As for the CDs, if they're part of your desired asset allocation, you could put them into your wife's new Roth IRA so that the growth is tax free.
by ThriftyPhD
Wed Nov 08, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Why put Bonds in 401k instead of stock?
Replies: 6
Views: 679

Re: Why put Bonds in 401k instead of stock?

Why do bogleheads recommend putting Bonds in 401k instead of stocks if you are in a high-tax bracket? Since I want to go 80/20 (stock/bonds) why do people on this forum recommend that I put stocks in my brokerage account and bonds in my 401k? Thanks! I'm not sure if the other answers have already a...
by ThriftyPhD
Mon Nov 06, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Coffee (etc.) machines, late 2017 (K-Cup, Nespresso, etc.)
Replies: 6
Views: 829

Re: Coffee (etc.) machines, late 2017 (K-Cup, Nespresso, etc.)

For cocoa, easiest is to just microwave some milk, add cocoa powder and froth. Tea is also pretty easy. Heat water to the proper temp, either kettle or microwave, then add tea leaves. As for coffee, I do like Aeropress, but since you want a machine that uses cups/pods, your best bet is probably Nesp...
by ThriftyPhD
Sun Nov 05, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: How to Label Plastic Boxes
Replies: 15
Views: 975

Re: How to Label Plastic Boxes

Do the boxes have a lip where you could punch a hole, thread a key ring, and attach a card stock print out?
by ThriftyPhD
Fri Nov 03, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 55
Views: 6092

Re: Mouse In Apartment

I have switched from peanut butter to a single sun flower seed jammed in the bait claw. In the past I found mice could lick the claw clean of peanut butter without setting off the trap. With the seed they try to take it and bring it back to the nest which does not go well for them. Plus the shelf l...
by ThriftyPhD
Thu Nov 02, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: what % return do you use?
Replies: 62
Views: 4208

Re: what % return do you use?

I actually used 0% of real return. For me it’s always best to plan for worst case and hoping for the best. When I was younger and in the planning phase, I used to plan at 15%, I looked down on 8%. Man plans and God laughs, that kind of saying. I have always used 0% as expected return, taking the co...
by ThriftyPhD
Thu Nov 02, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2316

Re: How secure are Wi-Fi cameras?

Can they get from the camera to the network and then into a laptop? That seems unlikely. It's not that unlikely. The security on many of these devices is terrible to non existent and can open up your internal network. The devices can also be used to join botnets. Much of this is automated, it would...
by ThriftyPhD
Thu Nov 02, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2316

Re: How secure are Wi-Fi cameras?

Can they get from the camera to the network and then into a laptop? That seems unlikely. It's not that unlikely. The security on many of these devices is terrible to non existent and can open up your internal network. The devices can also be used to join botnets. Much of this is automated, it would...
by ThriftyPhD
Thu Nov 02, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k
Replies: 22
Views: 2196

Re: Fidelity 401k

Looking to change my 401k allocation, which in its very limited existence has been defaulting to a target date fund. Unfortunately our plan options are a little limited, as we only have 4 proprietary index funds to choose from with low ERs. All other options offered by the plan are 0.5%+ ER and act...
by ThriftyPhD
Thu Nov 02, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: what % return do you use?
Replies: 62
Views: 4208

Re: what % return do you use?

I actually used 0% of real return. For me it’s always best to plan for worst case and hoping for the best. When I was younger and in the planning phase, I used to plan at 15%, I looked down on 8%. Man plans and God laughs, that kind of saying. I have always used 0% as expected return, taking the co...
by ThriftyPhD
Thu Nov 02, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice/liquidation of equities
Replies: 13
Views: 857

Re: Portfolio advice/liquidation of equities

I've been contributing to these two accounts since 2013, about 500/month to each account. I stopped contributing as soon as I started doing my own reading (Aug 2017). My combined Income Dividends/Long term capital gains are $250/$68, respectively. Reinvested Dividends are totaled at $72. Unrealized...
by ThriftyPhD
Thu Nov 02, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice/liquidation of equities
Replies: 13
Views: 857

Re: Portfolio advice/liquidation of equities

Are you maxing out your Roth TSP ($18k) and both His and Her Roth IRA ($5.5k and $5.5k) each year? That might be a stretch given your income, but one thing you could do is live off some of your taxable, and get the rest into your tax free accounts. There is no point maintaining a large taxable accou...
by ThriftyPhD
Wed Nov 01, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Expanding on The Rewards Of Multiple Asset Class Investing
Replies: 39
Views: 2769

Re: Expanding on The Rewards Of Multiple Asset Class Investing

I wonder how much the plot changes as you adjust the years. If you changed 2009 to 2007, or 1972 to 1976, would you reach the same conclusion?
by ThriftyPhD
Wed Nov 01, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: CDs, general questions, ladders, etc.
Replies: 39
Views: 2415

Re: CDs, general questions, ladders, etc.

Now I guess it is time for the big question: Am I being a big weenie by trying to play it safe? A good (younger) friend says "forget about the Certificates of Death, and invest in The Vanguard S&P 500 Index, or the Vanguard Total Stock Market Index!" While I'm more in the SP500/TSM Index camp, it's...
by ThriftyPhD
Wed Nov 01, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Put cash into a home or stock market.
Replies: 30
Views: 3534

Re: Put cash into a home or stock market.

Is the 95k in addition to an emergency fund, or is that included in the amount? Owning a house comes with a lot of surprise expenses that you may not be aware of if you've only rented till now. New roof, water leaks, water heater breaks, fridge breaks, etc. General recommendation is to budget 1-2% o...
by ThriftyPhD
Tue Oct 31, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: CDs, general questions, ladders, etc.
Replies: 39
Views: 2415

Re: CDs, general questions, ladders, etc.

Also, you mentioned that you're low income. Check to see if you qualify for a Saver's Credit. The tax credit is as much as 50%, depending on income levels. You could always buy the CDs or other investment options within the IRA(s), avoid some taxes, and take advantage of the tax credit.
by ThriftyPhD
Tue Oct 31, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: CDs, general questions, ladders, etc.
Replies: 39
Views: 2415

Re: CDs, general questions, ladders, etc.

...Don't forget that MsOldRookie will need funds for retirement, and appears to have a longer timeline to consider... Yes, that is a main concern. We WILL address that. Added: We will probably establish a retirement account for her and possibly long term investment in some Index Fund...? A few wiki...
by ThriftyPhD
Tue Oct 31, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: CDs, general questions, ladders, etc.
Replies: 39
Views: 2415

Re: CDs, general questions, ladders, etc.

Since retirement is 10-25 years away, something else you can consider is EE Savings Bonds . These are guaranteed to double at the 20 year mark, which works out to 3.5% interest. The rate is a terrible 0.1% until the 20 year mark though, so this would only be good for the long haul. Might complement...
by ThriftyPhD
Tue Oct 31, 2017 5:20 pm
Forum: Investing - Theory, News & General
Topic: CDs, general questions, ladders, etc.
Replies: 39
Views: 2415

Re: CDs, general questions, ladders, etc.

Since retirement is 10-25 years away, something else you can consider is EE Savings Bonds . These are guaranteed to double at the 20 year mark, which works out to 3.5% interest. The rate is a terrible 0.1% until the 20 year mark though, so this would only be good for the long haul. Might complement...
by ThriftyPhD
Tue Oct 31, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: CDs, general questions, ladders, etc.
Replies: 39
Views: 2415

Re: CDs, general questions, ladders, etc.

Since retirement is 10-25 years away, something else you can consider is EE Savings Bonds . These are guaranteed to double at the 20 year mark, which works out to 3.5% interest. The rate is a terrible 0.1% until the 20 year mark though, so this would only be good for the long haul. Might complement ...
by ThriftyPhD
Tue Oct 31, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Do I need an EF [Emergency Fund]
Replies: 29
Views: 2042

Re: Do I need an EF

I'll sidestep the issue of 'my parents would happily step in' for now. There is a lot you can put on your credit card for unexpected expenses, such as needing some car repairs, etc, that are beyond your normal budget. Where that doesn't help is if you lose your job. You often can't pay your rent wit...
by ThriftyPhD
Mon Oct 30, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: 401k catch up $ ?
Replies: 12
Views: 1645

Re: 401k catch up $ ?

Do you have a Roth IRA? If not, you could fund that. You could always withdraw the basis, but at least any growth would be tax free. The catch up on your IRA is $1k, so that's an option as well. Depends on how you expect your current taxes to compare to retirement taxes.
by ThriftyPhD
Mon Oct 30, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 3565

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

It's been mentioned by several, but it's worth repeating. The order to solutions, from most effect to least, is: 1. Stay out of the sun, particularly during high intensity times (~10 am to ~4pm) 2. Wear a wide brimmed hat, long sleeve shirt, pants, shoes. Cover up as much as possible. If it is warm ...
by ThriftyPhD
Mon Oct 30, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversions or taxable step up?
Replies: 6
Views: 645

Re: Roth conversions or taxable step up?

The big benefit of Roth conversions is by depleting your pretax money, you reduce or eliminate your RMDs. If you're getting enough from pension and SS, RMDs may raise your taxes for money you didn't need to withdraw. This is even worse for a surviving spouse who would be filing as a single taxpayer.
by ThriftyPhD
Mon Oct 30, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 69
Views: 6726

Re: Worry market crush, selling 50%, but increase buying 100%

I did some AA this month, move AA to 50/50. However, I did 401k purchase allocation to 100% into equity. US/Intl 50/50. Yes, I am more comfortable. I will capture 50% of market gain but limit 50% loss. In case of crash, I will be all in again. This year is good for me. I am up 18.8%. Apparently one...
by ThriftyPhD
Mon Oct 30, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Buying a Home in a 500 year Flood Plain
Replies: 32
Views: 1673

Re: Buying a Home in a 500 year Flood Plain

I'm currently looking to buy a house, and many of the towns and neighborhoods around here are in 100 or 500 year flood zones. Looking at the flood maps, and listening to how our realtor talks about it, there are a lot of shenanigans. Homeowners and realtors will fight tooth and nail to get propertie...
by ThriftyPhD
Tue Oct 24, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Dual Fuel Stoves
Replies: 19
Views: 1239

Re: Dual Fuel Stoves

I like to cook and I have a flat electric cooktop...it works great. I had gas before. I'm not sure why gas is considered better? Buy the house, try it out for 6 months then worry about it. You have some bigger fish to fry in the short term. It partly comes down to what you're used to, but electric,...
by ThriftyPhD
Tue Oct 24, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Bofa (Bank of America) Mobile Transfer experience warning
Replies: 5
Views: 647

Re: Bofa (Bank of America) Mobile Transfer experience warning

My frustrations: 1. You cannot link a mobile number to your acct without getting a security code at that mobile number. I tried to do the same at Bofa today using a friend account and I was told that a code is being sent to that mobile. How was TP able to setup my friend mobile to TP account? 2. Wh...