Search found 136 matches

by Exafchick
Tue Aug 27, 2019 9:43 am
Forum: Personal Investments
Topic: Investing Plan Review Please!
Replies: 4
Views: 407

Re: Investing Plan Review Please!

3. I currently have a 2000 Honda Accord EX. I want to get a 2020 Honda Civic Si (probably around Oct 2020). I am hoping to take advantage of close out interest rates and finance for 36 months. Is it better to put down a large chunk and finance a little or finance the whole thing then just make a hu...
by Exafchick
Tue Aug 27, 2019 9:41 am
Forum: Personal Investments
Topic: Investing Plan Review Please!
Replies: 4
Views: 407

Re: Investing Plan Review Please!

Debt: Mortgage $170k at 4.375% (27 years to go unless I add a bit more every month) 2nd mortgage to finish basement $30k at 8.99% (original loan was for 12 years from 2019 but I plan to have it gone by the end of 2020) What is your equity in your house? As of today, around $20k Rates have come down...
by Exafchick
Mon Aug 26, 2019 2:15 pm
Forum: Personal Investments
Topic: Investing Plan Review Please!
Replies: 4
Views: 407

Investing Plan Review Please!

Hello! As many have said before, thank you for sharing your knowledge, experience and expertise so freely here! I would like to make sure I am on the right track to retire at age 65 or 67. Here it goes: Emergency Funds: 5 months Debt: Mortgage $170k at 4.375% (27 years to go unless I add a bit more ...
by Exafchick
Thu Aug 23, 2018 2:25 pm
Forum: Personal Investments
Topic: Stop Roth IRA Contributions to Pay Off Loan
Replies: 9
Views: 502

Re: Stop Roth IRA Contributions to Pay Off Loan

I was never planning to pay the loan as agreed! Just trying to figure out the best way to pay it off as quickly as possible. I did notice in the loan paperwork that it is paid out in two installments. Use of the first advance does not obligate me to use the second. I emailed the company to clarify w...
by Exafchick
Thu Aug 23, 2018 1:49 pm
Forum: Personal Investments
Topic: Stop Roth IRA Contributions to Pay Off Loan
Replies: 9
Views: 502

Re: Stop Roth IRA Contributions to Pay Off Loan

I thought with a home equity loan there would be an appraisal, fees, etc. so I didn't want the hassle. I'm also not sure I have much equity since I owe just about what it's worth in the current market. Am I missing something?
by Exafchick
Thu Aug 23, 2018 1:38 pm
Forum: Personal Investments
Topic: Stop Roth IRA Contributions to Pay Off Loan
Replies: 9
Views: 502

Re: Stop Roth IRA Contributions to Pay Off Loan

What would be considered a good rate for an unsecured loan?
by Exafchick
Thu Aug 23, 2018 1:01 pm
Forum: Personal Investments
Topic: Stop Roth IRA Contributions to Pay Off Loan
Replies: 9
Views: 502

Re: Stop Roth IRA Contributions to Pay Off Loan

I had thought about taking out my Roth IRA withdrawals to pay off the loan but figured leaving what was already there alone to accrue interest and stopping future contributions until it is paid off was a better option. Thank you for the reply!
by Exafchick
Thu Aug 23, 2018 12:35 pm
Forum: Personal Investments
Topic: Stop Roth IRA Contributions to Pay Off Loan
Replies: 9
Views: 502

Stop Roth IRA Contributions to Pay Off Loan

Hello, All! I recently took out a home improvement loan ($40,000) at 8.99% to finish my basement to include a kitchen. I hate being in debt so I am considering stopping my Roth IRA contributions to pay it off faster. I figure it would only take me about 2.5 years and since I am still 15 or so years ...
by Exafchick
Fri Jul 13, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 11173

Re: When does frugal cross the line to cheapskate?

If you are washing paper plates to re-use, you might be a cheapskate!
by Exafchick
Fri Jul 13, 2018 9:49 am
Forum: Personal Investments
Topic: One Fund During Retirement?
Replies: 10
Views: 1775

Re: One Fund During Retirement?

I know the Boglehead tendency is to not go with actively managed funds and not to choose a fund based on past performance. I can't help but notice the impressive returns since its inception in 1970, which I'm sure included some manager changes and market fluctuations. I suppose I could have a two-fu...
by Exafchick
Fri Jul 13, 2018 9:30 am
Forum: Personal Investments
Topic: One Fund During Retirement?
Replies: 10
Views: 1775

Re: One Fund During Retirement?

Frank, thank you for the reply. Since I have a guaranteed pension and SS, I am pretty comfortable with the allocation. I hadn't thought about where it would be. Right now I have a Roth IRA and a traditional 401k. I guess I assumed I would gradually transition the 401k funds into the Roth (to keep me...
by Exafchick
Fri Jul 13, 2018 8:56 am
Forum: Personal Investments
Topic: One Fund During Retirement?
Replies: 10
Views: 1775

One Fund During Retirement?

Good morning! I am still a few years away from retiring (15-17 years) so right now I am in the growth and accumulate phase. I'm wondering if there is one fund I can switch to once I am in retirement? Specifically, the Vanguard Wellesley Income fund. I am hopeful to have about $600,000 portfolio by t...
by Exafchick
Tue Jul 10, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Retirement location and things to consider
Replies: 12
Views: 2025

Re: Retirement location and things to consider

What about just heading up the coast to Oregon or Washington State?
by Exafchick
Fri Jul 06, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 13939

Re: What time do you get up in the morning?

I work full time so on workdays my alarm (radio and not buzzing!) goes off at 7am. I hit snooze once (3 minutes) and then listen to the news and maybe a song or two before rolling out of bed so I can be at work by 8:30am. Luckily I live within 10 minutes of my job so I don't have to rush! On the wee...
by Exafchick
Mon Jul 02, 2018 1:19 pm
Forum: Personal Investments
Topic: STAR Funds
Replies: 10
Views: 1907

Re: STAR Funds

I opened my Roth IRA with the STAR fund and haven't changed it in over 15 years. I, too wanted simplicity and diversification in a fund I could afford. STAR definitely fit the bill. It was also highly recommended in the Mutual Funds for Dummies book I was reading! I am a bit more aggressive in my 40...
by Exafchick
Fri Jun 29, 2018 12:42 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1081
Views: 149868

Re: Pulled the trigger and paid off the house today

Wow, good for you! I had been paying extra toward the principle but decided to build up my emergency fund so I'd have enough to buy a new car with cash. But, once the fund gets to a number I feel comfortable with I will go back to adding extra to mortgage. What a big relief it must be!
by Exafchick
Wed Jun 27, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: those with whole home generators: who installed it?
Replies: 28
Views: 2271

Re: those with whole home generators: who installed it?

After Hurricane Irene a few years ago, I decided I needed to get a generator to ensure I didn't have to throw out a bunch of food or drive around trying to find dry ice. I opted for a Generac 7kw standby just to power the essentials (fridge, separate freezer, water pump, furnace, etc) and had a reco...
by Exafchick
Mon Jun 25, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 3130

Re: Cheap simple tablets?

RCA makes a line of tablets that are very good. Bought one for my nephew for his birthday and was so impressed with it I got one for me. 10.1" screen, detachable keyboard, google play...all for less than $100!
by Exafchick
Tue Jun 19, 2018 12:51 pm
Forum: Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 4560

Re: Value of a Military Retirement

I retired from active duty after 21 years in 2007. For me, having the guaranteed income from my pension allowed me to find a job I wanted to do instead of taking one because I had to. I retired to an area that is not so great economically so the pension really helped me ensure I could live where I w...
by Exafchick
Tue Jun 19, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 6557

Re: How much car to buy reasonably?

Hawaiishrimp wrote:
Mon Jun 18, 2018 5:37 pm
Daryl wrote:
Mon Jun 18, 2018 5:36 pm
Honda Civic.

I could afford to drive a "status symbol", but why? The new Civics are a lot of fun!
Civic is on my list.
civic hatchback is very sporty looking, great gas mileage and won't break the bank, even if you bought new!
by Exafchick
Mon Jun 18, 2018 8:31 am
Forum: Personal Investments
Topic: STAR vs. 3-Fund Portfolio
Replies: 14
Views: 2143

Re: STAR vs. 3-Fund Portfolio

I'm a bit biased toward the STAR fund because it was my first fund. I purchased it in my Roth IRA (even though others say bonds should be in 401k but TSP didn't have that as an option when I bought it) mainly because it had a low buy-in but also the "Mutual Funds for Dummies" book recommended it! I ...
by Exafchick
Fri Jun 15, 2018 3:00 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 14215

Re: Which boglehead rule do you break--and are ok with

I have my bonds in my Roth IRA (100% Vanguard Star fund). My 401k is 80% Total Stock Market and 20% Total International Stock Market. I'm ok with that because I really like the Star fund (it was my first fund!) and it is easier to ensure my allocation is 80/20 this way.
by Exafchick
Fri Jun 15, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 8236

Re: can we afford to spend $20K on travel annually

Anyone else think 39 is a bit young to be considered middle aged?!
by Exafchick
Thu Jun 14, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 27077

Re: Documentaries to recommend?

I also highly recommend the Ken Burns documentary on Jazz. I never really understood jazz music until I saw that. It can be streamed on Netflix. I watched the Ken Burns series on Baseball (mostly because ex liked baseball) but it was very enjoyable, entertaining and informative. His set on the Civi...
by Exafchick
Tue Jun 12, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 15951

Re: Best Advice You Never Took

bh7785 wrote:
Mon Jun 11, 2018 1:34 pm
Exafchick wrote:
Fri Jun 01, 2018 2:28 pm
Not to marry my first husband...or second!
This made me chuckle. Are you now on your third? :D
No way! Twice was plenty!
by Exafchick
Thu Jun 07, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 111320

Re: How much money do you want to retire?

Since I have a pension (retired from active duty in 2007), I estimate I could do nicely with a portfolio of around $650k (withdraw $2000/month should last over 30 years). I am estimated to get around $1675 at age 67. So between pension (which includes health care), investments and SS I'll have almos...
by Exafchick
Tue Jun 05, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 9804

Re: Don't make the mistake I made (Telemarketing hell)

I've noticed that the robo-calls will wait for you to say "hello" before going into their spiel. so after my initial hello when I first answer, if there is no reply I say "Bueller...Bueller" and if no human response, I just hang up!
by Exafchick
Tue Jun 05, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Employer-subsidized retiree health insurance questions
Replies: 19
Views: 1462

Re: Employer-subsidized retiree health insurance questions

When I enlisted in 1986, I had no idea how valuable the medical coverage and pension would be. I didn't even plan to stay 20 years (actually, retired after 21 years) just kept re-enlisting thinking "yeah, i could do 4 or 6 more years and then see". Since retiring, I am impressed with people who can ...
by Exafchick
Fri Jun 01, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 15951

Re: Best Advice You Never Took

Not to marry my first husband...or second!
by Exafchick
Fri May 25, 2018 12:42 pm
Forum: Personal Investments
Topic: Alternative to Morningstar X-ray Tool
Replies: 14
Views: 6420

Re: Alternative to Morningstar X-ray Tool

oldzey wrote:
Fri May 25, 2018 9:47 am
http://hcplibrary.org/reference/
This worked! Thank you!
by Exafchick
Fri May 25, 2018 8:32 am
Forum: Personal Investments
Topic: Alternative to Morningstar X-ray Tool
Replies: 14
Views: 6420

Alternative to Morningstar X-ray Tool

Good morning! I wanted to check my current asset allocation but I don't have (or want) a subscription to Morningstar. I don't remember having to log in last time I checked so that must be a newer thing. Is there another site I can enter my current investments and amount to find out my AA? Thank you!
by Exafchick
Thu May 17, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 13254

Re: Unique Phone Apps that you find yourself using most often?

Gas Buddy
Unblock me (to pass time while waiting in line!)
WeightWatchers (helps when grocery shopping)
by Exafchick
Tue May 15, 2018 2:59 pm
Forum: US Chapters
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 15019

Re: Yes, I'm 89 all right!

Happy belated birthday and thank you for sharing your wisdom and philosophy with us! The world is definitely a better place because of all you've done!
by Exafchick
Fri May 11, 2018 8:35 am
Forum: Personal Investments
Topic: Deposit vs. Reinvest
Replies: 3
Views: 378

Re: Deposit vs. Reinvest

I am 49 (will be 50 in Dec) so I guess since I'm under 59.5 I will just keep reinvesting the dividends. Just further proof that there is no short cut and I just need to keep saving as much as I can. Thank you for the replies!
by Exafchick
Fri May 11, 2018 8:26 am
Forum: Personal Investments
Topic: Deposit vs. Reinvest
Replies: 3
Views: 378

Deposit vs. Reinvest

Good morning! I am trying to build up my emergency fund and wondered if having dividends from my Roth IRA (Vanguard STAR fund) deposited rather than reinvested would be one way to do it.

Please let me know your thoughts. Thank you in advance!
by Exafchick
Fri May 04, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: 2019 Corolla Hatchback
Replies: 9
Views: 1755

Re: 2019 Corolla Hatchback

I have been researching hatchbacks for when my 18-year old honda accord reaches 200k miles (currently at around 136k). I am very interested in the honda civic hatchback because not only does it look amazing but I can get manual transmission. I was initially disappointed that I can't get satellite ra...
by Exafchick
Thu May 03, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: When to buy a new car (need to find a Boglehead way)
Replies: 34
Views: 3942

Re: When to buy a new car (need to find a Boglehead way)

Otherwise, check back in once you hit 150,000 miles and tell us what you’re thinking. I talked with my buddy yesterday - he owns Crown Victoria (160k miles). He said that the car was doing ok till 120k but the 120-150k period was a nightmare and he had to spend every weekend fixing the stuff himsel...
by Exafchick
Thu May 03, 2018 8:43 am
Forum: Personal Investments
Topic: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??
Replies: 27
Views: 2243

Re: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??

Welcome and congratulations on being self-aware enough to know you need help. Not everyone your age is. You were brave enough to list your debts but didn't really give an idea of your income or other expenses. That might give an idea where cuts might help. You are obviously open to ideas and suggest...
by Exafchick
Wed May 02, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: 1st Time Home Purchase Experience
Replies: 12
Views: 2671

Re: 1st Time Home Purchase Experience

Sounds like everything fell into place nicely for you. Congratulations!

I wish someone would take a walk in my neighborhood and express an interest to buy my house. I'd love to sell it (with everything in it) and just pack a few things in my car and head west!
by Exafchick
Mon Apr 30, 2018 9:49 am
Forum: Personal Investments
Topic: Relatively stable 1 year investment that doesn't involve interest?
Replies: 37
Views: 3137

Re: Relatively stable 1 year investment that doesn't involve interest?

adamthesmythe wrote:
Sun Apr 29, 2018 7:09 pm
Something that has zero yield is not an investment, it is a mattress. Or safe deposit box. \

Seems to me that- by definition- an "investment" is something that has at least a prospect of gain.
+1
by Exafchick
Fri Apr 27, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 12171

Re: How long have you been unemployed?

I joined the Air Force when I was 17 and retired 21 years later (official retirement date is 1 Dec 2007). I was receiving full pay while on terminal leave between Aug and end of Nov. Got a civilian job in the end of Sep 2007 so was double dipping for a couple of months! Have not been unemployed or c...
by Exafchick
Fri Apr 27, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 9804

Re: Learning to drive stick

I highly recommend learning to drive a stick shift! My ex FIL taught me in one afternoon and since my wonderful hubby just dropped me off, I had to drive home by myself. Of course there was a traffic light on top of a hill that turned red. So, I put on the parking brake and found my clutch/gas balan...
by Exafchick
Fri Apr 27, 2018 10:46 am
Forum: Personal Investments
Topic: Investing for a 17 y.o.
Replies: 18
Views: 1963

Re: Investing for a 17 y.o.

I'm trying to get my almost 19 year old nephew thinking about saving/investing. He wants a Dodge Demon ... I'd be really curious what insurance would cost for this 19 year old driving this (barely) street-legal drag car. Me too! Definitely don't think he's considered anything else except that it lo...
by Exafchick
Fri Apr 27, 2018 9:30 am
Forum: Personal Investments
Topic: Investing for a 17 y.o.
Replies: 18
Views: 1963

Re: Investing for a 17 y.o.

I'm trying to get my almost 19 year old nephew thinking about saving/investing. He wants a Dodge Demon and to start a woodworking business but doesn't have the foresight to plan for them. I'm going to give him a couple of the books recommended on this site and hopefully that will motivate him. I wis...
by Exafchick
Thu Apr 26, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Anyone have a Recycled Asphalt Driveway?
Replies: 5
Views: 797

Re: Anyone have a Recycled Asphalt Driveway?

No experience with recycled asphalt but I haven't seen regular asphalt hold up very long or well in places with lots of freezing rain and snow. They tend to break up pretty fast and get dips and heaves in them pretty quickly compared to reinforced concrete or crusher run driveways. Is your view on ...
by Exafchick
Thu Apr 26, 2018 10:48 am
Forum: Personal Investments
Topic: More aggressive portfolio with a pension?
Replies: 52
Views: 7465

Re: More aggressive portfolio with a pension?

I retired from active duty after 21 years in 2007 and began collecting my pension. I was only 38 at the time but it took a lot of pressure off how much I needed to make in my civilian job. For investing, it also allows me to keep an 80/20 portfolio until I retire at age 65 or 67 and begin collecting...
by Exafchick
Thu Apr 26, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Anyone have a Recycled Asphalt Driveway?
Replies: 5
Views: 797

Anyone have a Recycled Asphalt Driveway?

Good morning! I am considering replacing my 10 year old crusher run driveway (which by this point is mostly dirt thanks to northeast winters and plowing!) with a recycled asphalt one. Has anyone used this product for a driveway? I'm also considering a border or edging to help keep it from breaking o...
by Exafchick
Fri Apr 20, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: 2018 Honda Fit EX
Replies: 33
Views: 3888

Re: 2018 Honda Fit EX

It's up to you if you want a hatchback or not. I bought a 2016 Honda Civic LX manual when it came out and I love the car. It was just under $20,000 out the door new. No problems cruising 80 mph on the highway, very roomy. Doesn't have android auto or apple play but the 2018 models might (or you an ...
by Exafchick
Thu Apr 19, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Fit EX
Replies: 33
Views: 3888

Re: 2018 Honda Fit EX

My logic for asking now about a car I may buy in a couple of years is to find out the problems that hopefully will be addressed by then. I have heard and read from several places about the loud inside noise when driving on a highway. Also the uncomfortable seats on long trips. Since I probably will ...
by Exafchick
Thu Apr 19, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: 2018 Honda Fit EX
Replies: 33
Views: 3888

Re: 2018 Honda Fit EX

Hello, All! I am anticipating replacing my 2000 Honda Accord EX in the next couple of years (probably when it hits 20 years old or 200k miles). I'm curious why you are asking this question now if you don't plan to buy for 2 years. Soliciting opinions now on a NEW 2018 model vehicle doesn't seem all...