Search found 332 matches

by snowox
Thu Apr 30, 2020 5:02 am
Forum: Personal Consumer Issues
Topic: Old bluestone patio. Leveling and cost
Replies: 4
Views: 595

Re: Old bluestone patio. Leveling and cost

You dont need to remove the old base. Remove stone, add some new base, wet and compact. Re-lay the stone. If that is what the 1k guy is doing I would go with him. Base stone depending on what they used should be under 50$, Rent a compacter for a couple hours for 50$ and relay stone yourself and save...
by snowox
Thu Mar 26, 2020 5:02 am
Forum: Personal Finance (Not Investing)
Topic: Buy house with coronavirus uncertainty?
Replies: 15
Views: 1985

Re: Buy house with coronavirus uncertainty?

I would agree with alot of the comments on here but primarily these two. 1) you should be comfortable to buy or own your house in both down an up markets 2) wait and see with what is going down in the mortgage industry. I dont think now is a good time to buy a home even if you can get a realtor to s...
by snowox
Thu Mar 26, 2020 4:47 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 279
Views: 21020

Re: Are you still going to the grocery store or using a delivery service? Which?

I go every two days but make sure I am there when the store first opens and am first one in. There is no line and hardly anyone in the store. I wear gloves and a mask because I dont care if people think I look stupid. But pretty much I dont get within anywhere near 6' of anyone and with the gloves (...
by snowox
Thu Mar 26, 2020 4:42 am
Forum: Personal Investments
Topic: Do ppl who rebalance annually do anything different in this type of market?
Replies: 20
Views: 1121

Re: Do ppl who rebalance annually do anything different in this type of market?

I re-balance when I am off 5% in my taxable account. I hold alot of quality bonds in our 401ks so I could in theory go to all stocks in my taxable accounts if I wanted to with my 60/40 portfolio.
by snowox
Thu Mar 26, 2020 4:08 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63134

Re: Have we hit bottom? Time to buy?

If your in an index fund my crystal ball says you will have more downside before we go up BUT if your a stock picker there are alot of quality stocks that imo are still on sale that you could DCA in. If your worried about putting it all in then put 25k in at a time and preferably on dips. The market...
by snowox
Tue Mar 24, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Olympics [Cancelling a reservation]
Replies: 5
Views: 538

Re: Olympics

I had just cancelled a trip and got both a full credit from the Airline and the Hotel and heard that has been the norm. Guess it depends on how you booked it but just make the call and find out
by snowox
Sun Mar 22, 2020 5:26 pm
Forum: Personal Investments
Topic: 100% stocks, 20 years to retire.... am i asking for trouble?
Replies: 3
Views: 574

Re: 100% stocks, 20 years to retire.... am i asking for trouble?

I'd have to agree that now is not the time with 20 years to go. Stay the course and evaluate along the way. First see how everything shakes out which might take awhile and until then just keep buying as you have been. 20 Years of investing is a long long time!
by snowox
Sun Mar 22, 2020 4:45 am
Forum: Investing - Theory, News & General
Topic: Who do you follow for market insights ?
Replies: 49
Views: 2607

Re: Who do you follow for market insights ?

Being retired I have CNBC on from the time I get up till usually dinner time in the background. One must be able to parse through anything they listen too and make rational decisions, do there own homework and so on before investing anyhow. I like some of the guests they get on and interivews of CEO...
by snowox
Sun Mar 22, 2020 4:33 am
Forum: Investing - Theory, News & General
Topic: It's ok to do nothing
Replies: 20
Views: 2289

Re: It's ok to do nothing

I have been doing what I said I would do. I dont have a written plan but a mental one that I have adhered to. I'm retired 5 years so know going into it win or lose what I was going to do. I had a heavy cash position so I am balancing on the way down around 5% points and adding cash and living off ca...
by snowox
Sun Mar 22, 2020 4:18 am
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 37765

Re: Anybody want to guess the bottom of this "dip"?

Between 1932 and 1972 on the S&P. I do think things get worse from here and we will spring back to around 2350 BUT then have to claw up gradually from there but all after alot of volatility and so on from news events on the Corona virus, The election, the Russia Saudi's backdrop and so on. Total gue...
by snowox
Wed Mar 18, 2020 7:56 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9272

Re: What is your AA, given your age ? and this crisis ?

55, 5 years retired April 2nd

46.40 Stocks
29.30 Bonds
24.30 Cash

My goal is to deploy 1/2 of the cash incrementally on way down and live off the other half through this down turn.
by snowox
Wed Mar 18, 2020 7:47 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 514
Views: 50160

Re: Who's buying today? where's all the "dry powder" folks at? :)

I have converted bonds to stocks twice an bought with cash one day. I still have a 4% inbalance yet with Bonds in my 60/40 portfolio I can use yet to rebalance on a steep drop
by snowox
Fri Mar 13, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12397

Re: Are you still going to the gym ...

No.. I started walking 90 minutes a day and doing other things instead
by snowox
Fri Mar 13, 2020 5:33 am
Forum: Investing - Theory, News & General
Topic: How much could we theoretically lose?
Replies: 128
Views: 10213

Re: How much could we theoretically lose?

I'm down about 300k from the highs and feeling pretty foolish for being greedy and not selling when things were good. I had plenty of opportunities to do so. I recently read an article on CBC that said "about 80 per cent of people will not get really sick from this" so I'm trying to understand why ...
by snowox
Fri Feb 28, 2020 4:49 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41843

Re: The Calm Post - Stay the course thread.

I'm down well over 200k and the futures look like another expected down day being a Friday and would expect the same as well on Monday depending on the news over the weekend. I'd be surprised but not shocked if by Tuesday or Wednesday the market doesnt settle down a bit but we will see. Having being...
by snowox
Thu Feb 20, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Any ideas for a little extra money each year?
Replies: 34
Views: 3066

Re: Any ideas for a little extra money each year?

Check out task rabbit. Also online surveys.
by snowox
Tue Feb 18, 2020 4:39 am
Forum: Personal Investments
Topic: College Savings: 529 Prepaid or Savings Plan
Replies: 16
Views: 1265

Re: College Savings: 529 Prepaid or Savings Plan

I would say the 529 is the way to go if you are maxing out your other retirement funds as well. Also depending on how much you want to help your child one should not think that the amount you save in a 529 will come close to covering college for 4 years unless things really change and you look to ke...
by snowox
Sun Feb 16, 2020 4:46 am
Forum: Investing - Theory, News & General
Topic: How much should I offer for this brick and mortar business?
Replies: 75
Views: 5658

Re: How much should I offer for this brick and mortar business?

I do small business consulting and actually own two banquet facilities (real estate and fixtures). My ironclad rule of business is I simply refuse to assist clients or engage in commerce with those who knowingly and willingly commit tax fraud. That makes them a dishonest - period. I routinely run i...
by snowox
Sat Feb 15, 2020 5:39 am
Forum: Personal Finance (Not Investing)
Topic: $2-2.5M House?
Replies: 77
Views: 7582

Re: $2-2.5M House?

I'd say no way speaking from experience. Affording it isnt the point. And life experiences are more important than material things. Buy something of lesser money and do more things with your wife and perhaps work a little less. I too would suggest reading the book the Millionaire Next Door.
by snowox
Sat Feb 15, 2020 5:31 am
Forum: Personal Consumer Issues
Topic: Advice for my next car please
Replies: 24
Views: 2187

Re: Advice for my next car please

Buy a couple , three year old used Toyota Minivan you will love it.
by snowox
Tue Feb 11, 2020 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home first time - need sanity check
Replies: 16
Views: 1961

Re: Buying a home first time - need sanity check

Like others said I would for sure wait and build a more financial cushion as well as have the other baby first. Alot of hidden expenses when buying a house and I feel your overall portfolio needs to be stronger
by snowox
Fri Feb 07, 2020 6:59 am
Forum: Investing - Theory, News & General
Topic: How much to hold in cash during retirement?
Replies: 51
Views: 5264

Re: How much to hold in cash during retirement?

I hold 3 years in cash via VMMXX and CD's am retired but will only due so for 4 more years till last Son is out of the house. 60/40 Portfolio. Probably will drop to 1 year then because I anticipate my expenses will really drop and I am currently doing a 3% withdrawal. All depends on what happens goi...
by snowox
Sun Jan 26, 2020 5:48 am
Forum: Personal Consumer Issues
Topic: Most inexpensive places to buy new cabinets and countertops
Replies: 21
Views: 2468

Re: Most inexpensive places to buy new cabinets and countertops

I would sit down at Big Box stores with your dimensions and have them figure out your cost. If you have Menards in your area they have added a third line of cabinets we use in flipping houses and are very inexpensive. Also they always have sales or they have there 11% rebate. HD can be good as well....
by snowox
Fri Jan 24, 2020 5:02 am
Forum: Personal Finance (Not Investing)
Topic: I am not very good at my job
Replies: 48
Views: 7960

Re: I am not very good at my job

I agree with what others have mentioned that what your doing now by isolating yourself is the worse thing you could be doing and the other extreme believe fake it till you make it is the better way to be thinking about it. Realistically somewhere in the middle is where I would try to have my mindset...
by snowox
Fri Jan 24, 2020 4:51 am
Forum: Personal Investments
Topic: New Here Wondering About Possible Market Crash
Replies: 70
Views: 6531

Re: New Here Wondering About Possible Market Crash

I was at the same point you were when the Dow was around 15k. I put 25% in and then divided the rest in and put in over the next 12 months. Fortunately I did what i did but I missed a lot of upside. Its easy to say "Put it all in now" and people can provide the stats to support that theory BUT you h...
by snowox
Wed Jan 22, 2020 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Annual expenses in retirement survey
Replies: 7
Views: 872

Re: Annual expenses in retirement survey

Married/Fire'd
HCOL
102k
Comfortable Fire
by snowox
Fri Jan 10, 2020 6:46 am
Forum: Personal Investments
Topic: Sell and Then Buy Back Right Away?
Replies: 17
Views: 2148

Re: Sell and Then Buy Back Right Away?

I wouldnt beat yourself up about it as it seems you learned something from it.
by snowox
Thu Jan 09, 2020 9:39 am
Forum: Investing - Theory, News & General
Topic: Wall of Worry
Replies: 21
Views: 2671

Re: Wall of Worry

Here is one going back to 1896: https://virtueofselfishinvesting.s3.amazonaws.com/uploads/reports/2017/4675/history_of_market_corrections2-hires.png?link=mktw If you scroll down this page: https://www.marketwatch.com/story/the-dows-tumultuous-120-year-history-in-one-chart-2017-03-23 it has the peri...
by snowox
Wed Jan 08, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Picking a Realtor
Replies: 36
Views: 2410

Re: Picking a Realtor

I agree with this statement. Not all Realtors are bad but the one that are label the rest like in alot of industries. As someone with a house on the market now, my issue is not with any specific realtor's performance or what they actually do. It's just that the whole system is setup to lock you in ...
by snowox
Wed Jan 08, 2020 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Moving Costs
Replies: 24
Views: 1071

Re: Moving Costs

$30k ish. Consider selling virtually everything. Move as little as possible yourself. Buy new stuff that you actually need in the new home. This is no joke. I have moved several times and its alot easier to just sell all your stuff , get the most you can and take the difference of the cost of the m...
by snowox
Wed Jan 08, 2020 11:57 am
Forum: Investing - Theory, News & General
Topic: In my opinion, Best Overall Retirement Article
Replies: 95
Views: 11138

Re: In my opinion, Best Overall Retirement Article

I am not going to slam the article but will say it was nowhere near the best but whatever pushes your buttons I guess. I am sure the article appeals to a segment of the population as most do BUT for any good common sense the author mentioned from where I am sitting there was something I found dumb. ...
by snowox
Wed Jan 08, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Moving Costs
Replies: 24
Views: 1071

Re: Moving Costs

$30k ish. Consider selling virtually everything. Move as little as possible yourself. Buy new stuff that you actually need in the new home. This is no joke. I have moved several times and its alot easier to just sell all your stuff , get the most you can and take the difference of the cost of the m...
by snowox
Wed Jan 08, 2020 7:16 am
Forum: Personal Investments
Topic: What to do with cash?
Replies: 14
Views: 1957

Re: What to do with cash?

To keep it simple I would pay off the car and live off the difference and have your Wife front load her 401k with here entire check. If you have more left then max out your year pay in on your 529's. Put all but 5k at the very least in VMMXX set up to transfer to your bank account.
by snowox
Wed Jan 08, 2020 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Picking a Realtor
Replies: 36
Views: 2410

Re: Picking a Realtor

In my opinion this is one industry that really needs to be disrupted--and I mean smashed. I have bought and sold 4 houses in my life and the real estate agent has really done nothing other than collect a fee. That is not a bad job when you can do absolutely nothing and still collect a hefty fee and...
by snowox
Wed Jan 08, 2020 6:51 am
Forum: Personal Consumer Issues
Topic: travel from the U.S. to Europe given geo-political tensions?
Replies: 117
Views: 7783

Re: travel from the U.S. to Europe given geo-political tensions?

I wouldnt not go but I would just pay attention to the travel advisories and just be as smart about things as you can.
by snowox
Mon Jan 06, 2020 7:10 am
Forum: Personal Investments
Topic: Can I retire (early)?
Replies: 49
Views: 6012

Re: Can I retire (early)?

ahhhh yeah... Heck you could take 100k a year for 40 years with no return depending on what your doing . 2M cash makes no sense. But if you laddered even CD's cuz your scared to death of something you could almost cover your spending on that alone.
by snowox
Tue Nov 26, 2019 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Selling house after making improvements :-(
Replies: 19
Views: 2363

Re: Selling house after making improvements :-(

I am going through a similar situation as I put about 100k into our house over the last 4 years and fortunately the market has come up quite a bit where we live and am going to lose about 30k as well. The flip side is were moving into a much better situation a home on a lake we have wanted to do for...
by snowox
Mon Nov 18, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 36
Views: 4176

Re: Toyota Highlander vs Subaru Ascent--Advice

Have a 2012 Highlander and to date the best vehicle I have ever owned. And I have owned a bunch. This one I am going to keep till it goes to the graveyard. Dependable, love that I cant pull stuff with it, configuration is perfect and feel like driving something a little more solid. Be my choice again
by snowox
Sat Nov 16, 2019 6:01 am
Forum: Personal Investments
Topic: What is YOUR formula in determining whether you're FI? And what did you do after you reach FI?
Replies: 25
Views: 2921

Re: What is YOUR formula in determining whether you're FI? And what did you do after you reach FI?

For me/us I really took note of our expenses for 2 years. Took that x 110% x's till my DW lived to 100 based on multiple calculators not including SS or my paid for homes worth. In addition after firing I took a side gig that I enjoy working 20-25 hours a week and my DW is working a gig she negotiat...
by snowox
Sat Nov 16, 2019 5:40 am
Forum: Personal Investments
Topic: Winning the Game - Reducing Risk
Replies: 51
Views: 8174

Re: Winning the Game - Reducing Risk

vipertom1970 wrote:
Thu Nov 14, 2019 1:04 pm
I won the game, age 50 but still in 60/40 allocation.

Exactly the same for me!
by snowox
Sat Nov 16, 2019 5:33 am
Forum: Personal Consumer Issues
Topic: TV Speakers/sound bar/bose wave
Replies: 20
Views: 1979

Re: TV Speakers/sound bar/bose wave

Summit111 wrote:
Sat Nov 16, 2019 12:23 am
Sonos Playbar and Sub...then call it a day...

Summit

+1
by snowox
Sat Nov 16, 2019 5:30 am
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 51
Views: 7842

Re: What are the best jobs to downshift into?

I was offered a job at a golf course but wasnt worth the money to me for the time. I found working for a guy I know as much or little I wanted to in the construction industry was the best. Good money and I never work more than 25 Hours a week. He understands I am Fire'd just looking for extra bucks ...
by snowox
Sat Nov 16, 2019 5:00 am
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 14057

Re: Best thing you have ever bought?

Best thing We ever bought was our Cabin in the North woods. Had it for 18 years and sold it about 4 years ago and miss it everyday. So we just bought a house on a lake that has the up-north feel 10 minutes from where we live hoping to bring some of that back into our lives, but so far the buying asp...
by snowox
Thu Nov 14, 2019 4:22 am
Forum: Personal Finance (Not Investing)
Topic: 250k Live off of or put in Index funds
Replies: 3
Views: 996

Re: 250k Live off of or put in Index funds

With the current low yield of bonds, I now hold two years of expenses in Vanguard Prime Money Market and the remainder in Bonds (a mix of short term and intermediate term). So I would have no problem leaving 3 years expenses in money market or putting a portion of the money back into bonds. There p...
by snowox
Wed Nov 13, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: 250k Live off of or put in Index funds
Replies: 3
Views: 996

250k Live off of or put in Index funds

Long and short of it. The wife and I bought our retirement home which is about double of our current paid for home and we paid cash for the new home. Our living expenses will be the same however so basically a larger % of our overall portfolio is just changed in the percentage of the paid for house ...
by snowox
Wed Nov 06, 2019 4:57 am
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 342
Views: 26202

Re: Will we be OK at 3% WR?

What's your opinion...Are we sacrificing lifestyle enjoyment for paranoia, or a just a sense of safety? As you are asking for opinions...2.2% is "extreme paranoia" while 3.0% is "excessively (perhaps even ridiculously) conservative." One can play "but what if...?" games from 4% all the way down to ...
by snowox
Thu Oct 31, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes from the hip in cheesehead state
Replies: 5
Views: 836

Re: Estimated taxes from the hip in cheesehead state

ok , thank you very much! was a big big help!!
by snowox
Thu Oct 31, 2019 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes from the hip in cheesehead state
Replies: 5
Views: 836

Re: Estimated taxes from the hip in cheesehead state

This is awesome. Thanks much. Do I plug the 88k in the long term capital gains? as I am assuming that is what they are being in Vanguard for well over a year and closer to 4. Also where would you plug in the 4k Donation to the High School? Thanks again updated - I figured it out i think and added th...
by snowox
Wed Oct 30, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes from the hip in cheesehead state
Replies: 5
Views: 836

Estimated taxes from the hip in cheesehead state

Do to a large purchase I am just looking for a guestimate of what one would think roughly taxes would be on these numbers for Married filing jointly in Wisconsin. Again I am not going to even think of holding anyone to this but I tried doing myself and just not good at it. So on Vanguard it is showi...
by snowox
Thu Oct 17, 2019 4:45 am
Forum: Personal Consumer Issues
Topic: How do I store a boat this winter?
Replies: 20
Views: 1765

Re: How do I store a boat this winter?

I have mine winterized, Shrink wrapped and stored outside. They change the oil as well. You could easily as other said winterize it yourself and buy a good cover. I would suggest taking a couple cans and filling them with charcoal and placing them in the boat as well as this will cut back on getting...