Search found 129 matches

by Bwlonge
Wed Apr 11, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 21
Views: 1696

Re: Need vacuum recomendations

YOLO with a Miele Marin.
by Bwlonge
Wed Mar 07, 2018 8:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1467957

Re: U.S. stocks in freefall

Crisium wrote:
Wed Mar 07, 2018 8:26 am
Gary Cohn effect today. Beginning of the end?
I frame the question as, how long will it take the market to price in projected lost revenue from tariffs?
by Bwlonge
Sat Mar 03, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Moving from LCOL to HCOL + effective paycut
Replies: 11
Views: 1272

Re: Moving from LCOL to HCOL + effective paycut

All great, helpful responses, thank you. Everything really points to me going for it. I'm just going to be proactive about keeping an eye on openings and apply to them as they come. I can't really leave my post until June or July at the earliest (big project I'm not willing to walk away from, I'm no...
by Bwlonge
Mon Feb 26, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from LCOL to HCOL + effective paycut
Replies: 11
Views: 1272

Moving from LCOL to HCOL + effective paycut

A couple years ago I moved to a LCOL for a job that pays very well. It was a good move, but I did have to leave my friends and the life I had in Boston and I came to a small rural city and I just haven't been able to connect. I'm turning 31 tomorrow and its growing in me that I would just be happier...
by Bwlonge
Thu Feb 22, 2018 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Investing In A Bear Market
Replies: 29
Views: 2896

Re: Young Investor: Investing In A Bear Market

Look, I know the "early and often" advice is the thing to do, but I have to believe its the mainstream advice that makes assumptions about which funds you're buying. It makes sense to just dump money into a total market fund because its a slow moving boat. But look at an emerging market fund like FS...
by Bwlonge
Sun Feb 18, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Speculating on natural disaster players/sectors
Replies: 6
Views: 450

Speculating on natural disaster players/sectors

I know this isn't a bogleheads thing.. but given predictions of worsening climate change and natural disasters, is anybody throwing 5-10% into sector funds or companies that stand to gain? Timber (WOOD) has outperformed the total market in this run up, maybe due to demand for all the rebuilding havi...
by Bwlonge
Sun Feb 18, 2018 7:41 am
Forum: Investing - Help with Personal Investments
Topic: To buy or not to buy in Boston for Investment
Replies: 18
Views: 1812

Re: To buy or not to buy in Boston for Investment

My understanding is that you're better off investing in real estate for cash flow, not speculation on appreciation. This looks like less of a money investment than a lifestyle investment. Whether or not you make money it could go either way, but that doesn't sound like is or needs to be your primary...
by Bwlonge
Sat Feb 17, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on Primary/Rental Purchase: killing cash-flow
Replies: 24
Views: 1862

Re: Sanity Check on Primary/Rental Purchase: killing cash-flow

I've slept on it and run multiple simulations. I'm really not comfortable with our budget that being that tight without hefty reserves. I've decided to low-ball an offer of $1.1m. If accepted, our (near) cash-reserves will be mid-5 digits (realtor fee is 1%...might be able to recapture some of that...
by Bwlonge
Sat Feb 17, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 3108

Re: Selling Timber

Maybe I'll buy a timber ETF.

https://www.ishares.com/us/products/239 ... restry-etf

I've thought about owning a Christmas tree farm. I should look into that again.
by Bwlonge
Sat Feb 17, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on Primary/Rental Purchase: killing cash-flow
Replies: 24
Views: 1862

Re: Sanity Check on Primary/Rental Purchase: killing cash-flow

So you must have heard about the 1% rule of thumb? You're looking at .4%. And that's after paying yourself rent which doesn't make your situation any better. Sounds like either real estate sellers in CA are sadistic or buyers are masochistic. Or both. Maybe. But they are also rich. Rentals in most ...
by Bwlonge
Sat Feb 17, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Share your favorite excel speadsheet
Replies: 7
Views: 1588

Re: Share your favorite excel speadsheet

raamakoti wrote:
Fri Feb 16, 2018 3:39 pm
Personal capital
Mint.com
Im addicted to Mint.
by Bwlonge
Sat Feb 17, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: How to cancel TV and not Internet w/ Spectrum Time Warner
Replies: 18
Views: 3143

Re: How to cancel TV and not Internet w/ Spectrum Time Warner

If you are wishy-washy in any way with their reps, they will try to sell you on another plan. If you are firm 'I'm calling to cancel my tv service' and don't deviate from that line, it'll get done quickly. You could also walk in to your local office if you have one convenient. Those folks are often...
by Bwlonge
Sat Feb 17, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on Primary/Rental Purchase: killing cash-flow
Replies: 24
Views: 1862

Re: Sanity Check on Primary/Rental Purchase: killing cash-flow

So you must have heard about the 1% rule of thumb?

You're looking at .4%. And that's after paying yourself rent which doesn't make your situation any better.

Sounds like either real estate sellers in CA are sadistic or buyers are masochistic. Or both.
by Bwlonge
Sat Feb 17, 2018 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Tax sheltered saving or value mining?
Replies: 3
Views: 367

Re: Tax sheltered saving or value mining?

mhalley wrote:
Sat Feb 17, 2018 1:51 am
If you are self employed you can put the employee portion (18.5k) AND the employer portion for a total of 55k in tax deferred.

https://www.irs.gov/retirement-plans/on ... 401k-plans
Got it, but if I am self employed, I have to pay fica and what not correct?
by Bwlonge
Fri Feb 16, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Amended 2016 taxes applied to 2017, but not included in wired return
Replies: 2
Views: 349

Amended 2016 taxes applied to 2017, but not included in wired return

I'll call when they're open, but wondering if anyone knows off hand. I sent in a paper amendment to 2016 taxes mid-January to account for tIRA contribution that I didn't claim (dad did taxes). I opted to apply it to 2017 taxes. I did my taxes with software and included the amendment amount in. I jus...
by Bwlonge
Fri Feb 16, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tax sheltered saving or value mining?
Replies: 3
Views: 367

Tax sheltered saving or value mining?

I think I'm exhausting my options for tax sheltering, but I want to double check. I want to be able to manipulate my MAGI, but also save as much as possible pre-tax. Are there creative ways I'm not thinking of? I tried looking into employing myself, but I'd end up paying a bunch in employment taxes,...
by Bwlonge
Thu Feb 15, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Why paying off loans would be better than fully funding 401k?
Replies: 97
Views: 8020

Re: Help with what to do, pay debt, fund 401k, EF? TLH of taxable to fund one of these

Any specific advice on this? What did you think of the advice in Investment Order ? I'm having trouble understanding step 7 vs 8. With debt at 3-4%, is it just about a personal preference as to dumping money into the loan vs. taxable + liquidity? I understand garunteed returns, but if the average r...
by Bwlonge
Wed Feb 14, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 11587

Re: philosophicaleconomics predicts 4% real equity returns

Rental real estate, here I come We are settling for 3-4% ROI; Hoping to gain on depreciation for tax purposes for another 1%. A longterm hold. Jeez, depending on how that's being calculated, that sounds like its time to sell! Where is that? Seattle. :oops: :P the ROI and cap rate is relatively low ...
by Bwlonge
Wed Feb 14, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 11587

Re: philosophicaleconomics predicts 4% real equity returns

Does return even really matter that much?

Saving $500/mo at 7% for 40 years= $1,327439
Saving $500/mo at 4% for 40 years= $593,911

Saving $1000/mo at 4% for 40 years= $1,187,822

:(
by Bwlonge
Wed Feb 14, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 11587

Re: philosophicaleconomics predicts 4% real equity returns

itstoomuch wrote:
Wed Feb 14, 2018 4:59 pm
Bwlonge wrote:
Wed Feb 14, 2018 2:19 pm
Rental real estate, here I come
We are settling for 3-4% ROI; Hoping to gain on depreciation for tax purposes for another 1%. A longterm hold.
Jeez, depending on how that's being calculated, that sounds like its time to sell! Where is that?
by Bwlonge
Wed Feb 14, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 11651

Re: Our 'cure' for emergency expenses

My cure is to park it in 5% yielding accounts. Between Netspend,Insight and a local credit union, its possible to have at least 10k in savings accounts, which amounts to about 6 months expenses for me (thank-you LCOL). Where do you get 5% yield these days? Your local credit union offers that? Local...
by Bwlonge
Wed Feb 14, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 11651

Re: Our 'cure' for emergency expenses

My cure is to park it in 5% yielding accounts. Between Netspend,Insight and a local credit union, its possible to have at least 10k in savings accounts, which amounts to about 6 months expenses for me (thank-you LCOL).
by Bwlonge
Mon Feb 12, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Waiting to execute on financial plans
Replies: 5
Views: 807

Re: Waiting to execute on financial plans

I have the same issue. I use a spreadsheet to project accounts far in to the future. I even have my checking account projected as far as a year forward. I watch as things come through, usually right around expectations, and I know what the next step is and I just can't wait to complete it. I just w...
by Bwlonge
Sun Feb 11, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Waiting to execute on financial plans
Replies: 5
Views: 807

Waiting to execute on financial plans

Ever get antsy after projecting or planning your finances? I've projected out the next two years of spending and saving with YNAB. I know what months I'll be able to pay off debt and how much I'll have saved. Only problem now is that I can't teleport to 2 years later. I'm having serious mindfulness ...
by Bwlonge
Sun Feb 11, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2573

Re: Is Rental Property/Income Same as Bonds

Clarification: Approx 75% of our NW is now income RE (home not included). RE produces about 70% of retirement income, 30% is SS and pension. We are deferring IRA's as long as possible and may be using techniques to minimize RMDs. YMMV If you don't mind sharing, how many doors are you renting? I hav...
by Bwlonge
Sat Feb 10, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: 0% 18/MO.Balance Transfer w/2% fee
Replies: 17
Views: 1109

Re: 0% 18/MO.Balance Transfer w/2% fee

What makes a credit inquiry worth $250? I agree it's hard to justify the 2%. I am currently floating a 0% card but I didn't transfer a balance. Just have the money invested at my overall AA and will pull from my portfolio when it's time to pay it off. We're talking about less than 1% of the portfol...
by Bwlonge
Sat Feb 10, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: 0% 18/MO.Balance Transfer w/2% fee
Replies: 17
Views: 1109

Re: 0% 18/MO.Balance Transfer w/2% fee

What makes a credit inquiry worth $250? I agree it's hard to justify the 2%. I am currently floating a 0% card but I didn't transfer a balance. Just have the money invested at my overall AA and will pull from my portfolio when it's time to pay it off. We're talking about less than 1% of the portfol...
by Bwlonge
Sat Feb 10, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund: where is the special sauce?
Replies: 18
Views: 3262

Re: Wellington Fund: where is the special sauce?

I keep looking at Wellington and Wellesley. They're stable and offer decent returns. Strike me as an easy investment if you have intermediate, flexible date saving goals after maxing out all other space at desired AA.
by Bwlonge
Sat Feb 10, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: 0% 18/MO.Balance Transfer w/2% fee
Replies: 17
Views: 1109

Re: 0% 18/MO.Balance Transfer w/2% fee

I pulled money out from a credit card at 0% (over transferred a balance) at 0% fee and 0% for 15mo to put the money into a 5% insight prepaid card saving account. That was a decent move, making me 250$. Financing a high yielding emergency fund.
by Bwlonge
Sat Feb 10, 2018 7:12 am
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 4294

Re: Black Theme for Site?

Dark grey background is superior and all forums should have the option . Black with white text, not so much.
by Bwlonge
Fri Feb 09, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 7548

Re: Why would people buy condos/SFH in Texas?

Sometimes people don't make decisions because they make them financially independent faster.

Bet they have a nice view.
by Bwlonge
Fri Feb 09, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: 0% 18/MO.Balance Transfer w/2% fee
Replies: 17
Views: 1109

Re: 0% 18/MO.Balance Transfer w/2% fee

It's tempting, but I ha ent found leveraging debt super rewarding. I'm someone who checks Mint constantly and likes seeing nice numbers. A 10k debt even at 0% isn't aesthetically pleasing. And if I win the gamble and make 10% after tax and the fee, big deal. I could do that by credit card and checki...
by Bwlonge
Fri Feb 09, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Sell taxable investments to pay off loan?
Replies: 17
Views: 1111

Re: Sell taxable investments to pay off loan?

Tough call. Any chance of refinancing for a lower rate? I feel like you captured the pros and cons well. If we went into a recession this year, and you weren't able to get back to current levels until a few years down the road, how would you feel then carrying the debt? I sold after last Friday to p...
by Bwlonge
Thu Feb 08, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another "what to do with money" thread
Replies: 14
Views: 1617

Re: Yet another "what to do with money" thread

I see it as the quicker you pay your credit card off, the quicker you can get money in the market. The 6 or 7 months ahead may or may not have higher returns than 0%, but upon retirement it wont make a difference. Just get it paid off and then start putting everything you can into the market withou...
by Bwlonge
Wed Feb 07, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Yet another "what to do with money" thread
Replies: 14
Views: 1617

Re: Yet another "what to do with money" thread

Credit card payoff. The faster that is paid off, the faster you can increase the monthly contributions to your IRA. What's your tax bracket (state and local)? What are your current retirement balances? You can always use Roth IRA CONTRIBUTIONS as a part of your emergency fund so I would not worry a...
by Bwlonge
Wed Feb 07, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Yet another "what to do with money" thread
Replies: 14
Views: 1617

Re: Yet another "what to do with money" thread

Seems to me that you are probably paying a higher net rate of interest on the mortgage instead of on the car even after considering the tax deductibility of the mortgage interest, so you might want to look at that again. Have you confirmed that you will be even be itemizing going forward so as to b...
by Bwlonge
Wed Feb 07, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Yet another "what to do with money" thread
Replies: 14
Views: 1617

Re: Yet another "what to do with money" thread

Credit card payoff. The faster that is paid off, the faster you can increase the monthly contributions to your IRA. What's your tax bracket (state and local)? What are your current retirement balances? You can always use Roth IRA CONTRIBUTIONS as a part of your emergency fund so I would not worry a...
by Bwlonge
Wed Feb 07, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Yet another "what to do with money" thread
Replies: 14
Views: 1617

Yet another "what to do with money" thread

I thought I was immune to this type of advice seeking, but alas... I'm getting back some money, I need to figure out what to do with it. Debt: * 10k car @ 2.24% * 7k credit card @ 0% (won't go over 0% for life of loan, payments already planned) * Duplex @ 3.75% (I can deduct interest, so not attract...
by Bwlonge
Tue Feb 06, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 7873

Re: Stay the course?

On days like today, I like to look at 2 related things: 1. My cost basis for my investments, and/or 2. What price I purchased my investments and the dividend record of them. I don't understand why people say to ride it out. If I can sell now and still realize gains, watch the market drop further (s...
by Bwlonge
Tue Feb 06, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 7873

Re: Stay the course?

On days like today, I like to look at 2 related things: 1. My cost basis for my investments, and/or 2. What price I purchased my investments and the dividend record of them. I don't understand why people say to ride it out. If I can sell now and still realize gains, watch the market drop further (s...
by Bwlonge
Tue Feb 06, 2018 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 7873

Re: Stay the course?

As someone who just bought in for the first time a month ago, its harder than I thought!
by Bwlonge
Mon Feb 05, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Where Are The 100% Equity Bulls? BND up .44%
Replies: 47
Views: 5232

Re: Where Are The 100% Equity Bulls? BND up .44%

Does it serve someone to go like 80/20 to rebalance during corrections, or are you better off dumping 100% equities as you go (e.g. 401k contributions)?
by Bwlonge
Mon Feb 05, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Is Insight Visa still giving 5% on 5k?
Replies: 6
Views: 830

Re: Is Insight Visa still giving 5% on 5k?

Man, I've been trying to get that second account, haven't been able to get the computer system to OK it... I had the same problem. Try calling them instead. Check the comments on the Insight post at doctorcredit for the number. It's unlisted and seems sketchy, but this is how I got my second card. ...
by Bwlonge
Mon Feb 05, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Is Insight Visa still giving 5% on 5k?
Replies: 6
Views: 830

Re: Is Insight Visa still giving 5% on 5k?

Man, I've been trying to get that second account, haven't been able to get the computer system to OK it...
by Bwlonge
Mon Feb 05, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1467957

Re: U.S. stocks in freefall

I learned a lesson. I leveraged ~5k from low interest loans and put it in to a stock ETF. But when push came to shove, using the money to get closer to having 0 debt looked a lot more attractive. So I pulled out without losing anything. I'm not quite yet in a position to start investing, truly inves...
by Bwlonge
Sun Feb 04, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Collecting
Replies: 16
Views: 1297

Re: Collecting

Robconoclast wrote:
Sun Feb 04, 2018 9:22 am
Well, seeing that you are a fan of Converge just remember that "Every time you justify another good in you dies" :mrgreen:
:sharebeer
by Bwlonge
Sun Feb 04, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Collecting
Replies: 16
Views: 1297

Re: Collecting

What? What what? What the what?? What are those things? (I suspect the kid would know what those are....) Haha, "designer vinyl toys"/sofubi. There's a pretty significant toy industry, and there are a bunch of artists who told sculpts and paint and modify. Mark Nagata, Mechvirus, Guumon, Konatsuya,...