Search found 61 matches

by dunkmachine
Wed Jul 08, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Home Build - What to do with current house?
Replies: 5
Views: 587

Re: Home Build - What to do with current house?

For first response is to ask you if you're sure you want to rent out your house? I'm in a somewhat similar situation, in the middle of a new home build and own our current home outright. I do not have the temperament nor desire to rent out our house so we plan to sell it. Second, are you sure you ca...
by dunkmachine
Mon May 18, 2020 9:37 am
Forum: Personal Consumer Issues
Topic: Reel Grass Mower
Replies: 36
Views: 1978

Re: Reel Grass Mower

I have bermuda and have a Tru-Cut C-25 reel mower. Overall, I really enjoy it and do recommend it with as long as you're okay with the following. 1. Make sure you pick up all sticks, mulch, rocks, gravel, any thing that can accidentally get caught in the reel. I accidentally hit a rogue bolt hidden ...
by dunkmachine
Wed May 06, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 148531

Re: Need to be able to do 30 chin-ups

Also, make sure you're doing them correctly to minimize risk of elbow pain. Start from dead hand, engage your lats and retract the scapulas and almost do a reverse shoulder shrug while keeping your elbows straight. Try and focus on doing this as your first movement out of a dead hand, instead of mak...
by dunkmachine
Wed May 06, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 148531

Re: Need to be able to do 30 chin-ups

You have 8 weeks. 18 strict chin-ups is impressive. I'm assuming strict as start from dead hang, and pulling yourself up to where your chin rises over the bar. I would spend the first 4 weeks purely on volume. Probably doing multiple sets of 10-12 chin-ups each day. Start slow so that you can get a ...
by dunkmachine
Tue May 05, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 557
Views: 20671

Re: Bird watchers – what birds are you seeing?

Texas Panhandle: Yellow warbler (not sure which kind) Male and female cardinal (one set) Blue Jays Collared dove Stupid grackles Bullock's Oriole (relatively common sight in morning) Lazuli Bunting (one sighting) House finch Mockingbird White-crowned sparrow Robins Barn swallows (the nest under porc...
by dunkmachine
Mon May 04, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5659
Views: 1369106

Re: What Movie Have You Recently Watched?

Crazy Rich Asians was fun and pretty entertaining.

I also don't watch a lot of movies.
by dunkmachine
Mon Apr 13, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Help Fix My Lawn!
Replies: 31
Views: 2473

Re: Help Fix My Lawn!

Join us over here: https://thelawnforum.com/

Post a question or read through others on the Cool Season Lawns forum.
by dunkmachine
Fri Mar 27, 2020 7:58 am
Forum: Personal Investments
Topic: Totally confused about fixed-income.
Replies: 19
Views: 2140

Re: Totally confused about fixed-income.

I'm a nobody on this forum, but the recent events made me realize I'm a fan of treasuries for 100% of my fixed income allocation. Whether intermediate vs. long-term, I'm still researching. I like David Swenson's suggestion of 50/50 US Treasuries and TIPS. He also suggested a bond duration that match...
by dunkmachine
Fri Mar 27, 2020 7:35 am
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation (Gas + SP)
Replies: 48
Views: 1597

Re: Lawnmower recommendation (Gas + SP)

Yeah, I think I'd second the Toro . Specifically, the Recycler 22" variable speed self propelled. I've had one for 10 years and apart of changing the oil, installing new blades, and a rewind starter spring, it's held up really well. Nearly starts up first pull 100% of time. You won't be able to get ...
by dunkmachine
Wed Mar 25, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: Bond Strategy
Replies: 69
Views: 4844

Re: Bond Strategy

I've definitely buy into going all in on treasuries/TIPS after seeing the Total Bond Market go down the past couple weeks. It has been a tough pill to swallow to rebalance out of bonds into equities. Both had losses, just the TBM lost less than TSM. I'd rather be able to rebalance out of something t...
by dunkmachine
Wed Mar 25, 2020 2:49 pm
Forum: Investing - Theory, News & General
Topic: Book on LT Treasuries?
Replies: 5
Views: 372

Re: Book on LT Treasuries?

What’s the reason for this primarily just being for those with 80/20 or higher allocation? I would bet that with just a 20% bond allocation you can take on more risk/volatility that are inherent to LT treasuries. I know David Swenson recommends your bonds to be split 50/50 between US treasury bonds...
by dunkmachine
Sat Mar 21, 2020 2:17 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 18341

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

Ambitious994 wrote:
Sat Mar 21, 2020 12:15 pm
The best strategy is to not time the market and I will preach that until the end of day.
....And then justifies reasoning for timing the market.
by dunkmachine
Sat Mar 21, 2020 2:08 pm
Forum: Investing - Theory, News & General
Topic: If Stocks WILL Go Lower Than it is Now...
Replies: 133
Views: 11441

Re: If Stocks WILL Go Lower Than it is Now...

If you know that stocks are going down, you would not want to go to cash. You would want to short the market. +1. If you want to gamble on the market and think you know what direction it's headed, the best option: 1. Open a Robinhood account 2. Load up on SPY put options 3. Easy money if your theor...
by dunkmachine
Thu Mar 12, 2020 4:54 pm
Forum: Investing - Theory, News & General
Topic: NCAA cancels March Madness tournaments
Replies: 51
Views: 2556

Re: NCAA cancels March Madness tournaments

The biggest eye opener for me was seeing that 30% of the population doesn't wash their hands after using the bathroom. And how does this statistic affect the transmission of this virus? Do we know it's transmitted via urine and/or feces? Or just via spittle droplets? You're probably right, it may n...
by dunkmachine
Thu Mar 12, 2020 4:40 pm
Forum: Investing - Theory, News & General
Topic: NCAA cancels March Madness tournaments
Replies: 51
Views: 2556

Re: NCAA cancels March Madness tournaments

Last night when the NBA suspended its season is when my opinion that this is hysteria/mass panic sort of switched over to a "this is real" mindset. I knew the NCAA would follow suit today. It stinks since I'm a huge Kansas Jayhawks fan and they would have been the favorite to win this year. After re...
by dunkmachine
Fri Jan 17, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 17196

Re: Some possible luxury SUV choices to buy: Opinions?

Not answering your question directly but I would also include the Lincoln Nautilus and Volvo XC60 on your list.

I agree with the Lexus spindle grille. They look terrible on their SUV's.
by dunkmachine
Tue Jan 14, 2020 8:49 am
Forum: Personal Investments
Topic: All-In-One Fund vs. VTSAX+VBTLX
Replies: 23
Views: 2808

Re: All-In-One Fund vs. VTSAX+VBTLX

Target date and life strategy are a bit different. Target date will follow a glide path. Life Strategy will not change allocations with time. However they make it difficult to rebalance at a later time, but they should do that within the fund. And if you want to change asset allocations (and interna...
by dunkmachine
Mon Jan 06, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Good car for toddler and newborn
Replies: 41
Views: 2505

Re: Good car for toddler and newborn

Minivan makes the most practical sense. However, not sure I'd recommend it for all situations. For us, we travel a lot doing a lot of camping, backpacking, hiking and ski trips. And we don't travel lite on most occasions. We settled on a large SUV, specifically the Ford Expedition. Out of the compar...
by dunkmachine
Sat Dec 28, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Recommended physical fitness websites/books/apps?
Replies: 83
Views: 6825

Re: Recommended physical fitness websites/books/apps?

I'm assuming you're a novice lifter. I recommend you start with StrongLifts. Read up on the exercises here: https://stronglifts.com/exercises/ There's a free app that does all the programming for you. You'll probably get at least 6 months out of this before you plateau. If you want to stick with lif...
by dunkmachine
Thu Dec 19, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: first time buying/selling same time - recast mortgage?
Replies: 20
Views: 1175

Re: first time buying/selling same time - recast mortgage?

This potential sale would happen +12 months from now. Current savings: ~$80K liquid in stocks If you're wanting to use part of your stock allocation as part of your down payment in ~12 months, I'd recommend you move out of stocks now into a CD or MM fund. As for recasting, as another said, I would ...
by dunkmachine
Sun Dec 01, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: On Boots: Chukka, Chelsea and brands
Replies: 14
Views: 1852

Re: On Boots: Chukka, Chelsea and brands

I've had a pair of Red Wings chukkas (Style 3141) for a few years and still look great. Made in USA too. Probably last a lifetime for me.
by dunkmachine
Thu Nov 21, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Vacuum recommendations
Replies: 58
Views: 4131

Re: Vacuum recommendations

I'd recommend you visit a vacuum cleaner retailer and talk to the person there. They are very knowledgeable and will help tremendously in deciding. I think the overwhelming recommendations point to getting a bagged vacuum cleaner. We went with an Riccar upright and couldn't be happier. We take it ye...
by dunkmachine
Wed Oct 09, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: When to put on new roof?
Replies: 34
Views: 3244

Re: When to put on new roof?

Follow the manufacturer's recommendation for roofing in cool/cold weather. Each shingle has a thermally activated sealant strip that bonds the shingle to the one below it. If not properly sealed, a strong wind could bend the single back, exposing the nail strip and be more prone to be ripped off the...
by dunkmachine
Wed Jun 12, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 4748

Re: Which shaving cream / oil?

Cream: Nancy Boy

Soap: Stirling Soap Company. It's fun to try the different scents.
by dunkmachine
Mon May 20, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Chiminea, fire pit or nothing?
Replies: 26
Views: 2207

Re: Chiminea, fire pit or nothing?

Will it be for warmth on a cool, fall evening? Cooking marshmallows and smores? Just for ambiance? Just like looking at a fire? Chiminea will not provide much, if any, warmth. Limited number of people can gather near it. But it directs smoke upwards. You can circle around a fire pit. But smoke will ...
by dunkmachine
Thu Mar 07, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Island Vacation with Shade on the Beach?
Replies: 40
Views: 4569

Re: Island Vacation with Shade on the Beach?

My recommendation would be go to Vieques. Travel not as direct, but you can fly into San Juan, PR and then take very short flight to Vieques, or even take the ferry to the island. Numerous isolated beaches, each with a different atmosphere and unique identity, so surely you can find one that suits y...
by dunkmachine
Mon Mar 04, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 10241

Re: Why do you live where you live?

In the Texas panhandle. Here because the first job out of school. Location is not desirable, but the alternative is the Houston area which is less preferable. Love my 5 minute commute to work. I met my wife who also moved here out of school for work. After 10 years of working, we started a family an...
by dunkmachine
Tue Feb 19, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Darn Tough Socks....Boxers???
Replies: 18
Views: 2489

Re: Darn Tough Socks....Boxers???

ExOfficio give-n-go sport mesh boxer brief are my go to for everything including going to the gym. They wick away moisture and stay in place. They dry really fast too. The only issue is that every single pair I own have pilling in the crotch after one wear/wash cycle. Aside from the fabric looking t...
by dunkmachine
Thu Feb 07, 2019 9:41 am
Forum: Personal Investments
Topic: 401k fidelity brokeragelink
Replies: 5
Views: 753

Re: 401k fidelity brokeragelink

Be sure to read your Plan Fact Sheet and Commission Schedule. I have Brokeragelink through my employer as well. I believe that it is possible that not all Brokeragelink's are set up the same. For me, I can do automatic investments with no minimum amount. There's a minimum to set up the initial accou...
by dunkmachine
Wed Feb 06, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: New Capital One 360 account offer
Replies: 5
Views: 1296

New Capital One 360 account offer

Hey guys, FYI (if allowed to share on here) I received an email offer to open up a new Capital One 360 money market account. Bonus of $200 for an account balance of $10,000-$49,999 or $500 for >$50,000 at 2.00% APY. Promo code is CELEBRATE. Same rate for my Ally savings so I just moved some money ov...
by dunkmachine
Tue Feb 05, 2019 5:22 pm
Forum: Personal Investments
Topic: Should I roll old 401k into new 401k?
Replies: 6
Views: 398

Re: Should I roll old 401k into new 401k?

I think other posters will be more useful than me, but my take: In your new 401(k), I would not use a target date fund IN ADDITION to a quasi 3-fund portfolio that you sort of have If you roll into the new 401(k) you'd lose the cheaper mid and small cap options FSPSX does not have exposure to Emergi...
by dunkmachine
Tue Feb 05, 2019 12:04 pm
Forum: Personal Investments
Topic: ? Tips as income for IRA/Roth
Replies: 11
Views: 601

Re: ? Tips as income for IRA/Roth

Technically it's based of one's modified AGI. You can use Form 1040 to calculate that using the W-2.

Definitely do a tax deductible traditional IRA first before Roth IRA.

**I edited this to reflect that maybe it's not a definite. With the 10% tax rate, it's likely better to do Roth.
by dunkmachine
Mon Feb 04, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 46
Views: 3183

Re: Tips/suggestions for skiing out west?

Best skiing in Colorado (my opinion) is Wolf Creek. But that would take a bit more effort on your part and the logistics would be a bit more complicated. Fly to Denver, and stay in Breckenridge. You should be be able to find a ski in/out condo or something close to the hill. Ticket to Breck would be...
by dunkmachine
Mon Feb 04, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 46
Views: 3183

Re: Tips/suggestions for skiing out west?

Define "out west".

If Colorado or northern New Mexico, I may be able to help.
by dunkmachine
Mon Feb 04, 2019 5:29 pm
Forum: Personal Investments
Topic: Investing money for use in 5-7 years
Replies: 31
Views: 2853

Re: Investing money for use in 5-7 years

At your tax rate, you'd benefit from muni bonds if you want to hold bond allocation in your taxable. They are federal exempt, and also state exempt if issued in the state you live in. For example, VCAIX Vanguard California Intermediate-Term Tax-Exempt Fund Investor Shares has a duration of 5-6 years...
by dunkmachine
Mon Feb 04, 2019 2:32 pm
Forum: Personal Investments
Topic: Strategies for mortgage pay down
Replies: 32
Views: 3185

Re: Strategies for mortgage pay down

1 Roth IRA and 1 Traditional IRA This doesn't answer your question, but do you have an IRA for your wife? You mentioned that you may be in the 12% tax bracket, so you might qualify for a deductible tIRA. I would try and fund your spouses IRA prior to paying down the mortgage. The 3.75% interest rat...
by dunkmachine
Mon Feb 04, 2019 12:27 pm
Forum: Personal Investments
Topic: Why ally bank
Replies: 98
Views: 15431

Re: Why ally bank

I use Ally because: 1. App is wonderful. Can't speak on the quality of other banks, but Ally is so easy to use. Mobile deposits are very easy. 2. Easy to move money in and out of 11-month no penalty CD when rates make it worth it. 3. Competitive rates. Maybe not the best but consistently near the top.
by dunkmachine
Sun Feb 03, 2019 8:59 am
Forum: Personal Investments
Topic: Kindergarten-level question about Money Market fund
Replies: 19
Views: 2043

Re: Kindergarten-level question about Money Market fund

I’m not sure why you would use Prime Money Market as a dumping ground for dividends. Why not just have it set to automatically reinvest and then sell the asset to rebalance? If it's in taxable account: 1. Make TLH easier without worrying about triggering wash sales. 2. Selling assets generate an un...
by dunkmachine
Fri Feb 01, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 63
Views: 4946

Re: Need Objective Mattresses Ratings and Reviews

I also recommend https://www.themattressunderground.com/ . So much information, I'm not sure how the Phoenix can answer so many question in the Forum in such detail and length. With that said, we went with a latex mattress but I think I would prefer a standard innerspring mattress and just change it...
by dunkmachine
Fri Feb 01, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: The "never sell" method for staying the course
Replies: 28
Views: 3927

Re: The "never sell" method for staying the course

If I decide to rebalance, I can do it by buying This may be difficult to do depending how you fund your rIRA. I front load my Roth at the beginning of the year. You may not have any funds available to "buy the dip". If you want to invest in emerging markets, for instance, the high volatility lends ...
by dunkmachine
Fri Feb 01, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Float down my mortgage rate now or wait?
Replies: 6
Views: 463

Re: Float down my mortgage rate now or wait?

Interesting concept, I have not heard about a float down mortgage rate. Just curious, did the lender charge you points for this option? Have you calculated the break-even for the cost of the rate lock vs. the difference in interest payments from 4.2 to 4%? I don't know what direction mortgage rates ...
by dunkmachine
Wed Jan 30, 2019 5:14 pm
Forum: Personal Investments
Topic: Fidelity 401k Target Retirement vs S&P
Replies: 4
Views: 543

Re: Fidelity 401k Target Retirement vs S&P

The Fidelity Freedom 2050 Fund has about 10% in bonds so if you switch all to FXAIX you will lose your bond position. Do you want to be 100% equity? Do you have bond market index within the 401(k) with low a low ER?
by dunkmachine
Tue Jan 29, 2019 2:42 pm
Forum: Personal Investments
Topic: Pro's and Con's of Vanguard CD's for CD Ladder
Replies: 4
Views: 642

Re: Pro's and Con's of Vanguard CD's for CD Ladder

I currently have a brokered CD with Vanguard but no experience with a CD ladder. I don't find Vanguard's website necessarily useful or even intuitive for purchasing CD's. If I was building a 5 year CD ladder, I'd just go to Ally and follow their step-by-step process, which is very easy to follow. Th...
by dunkmachine
Tue Jan 29, 2019 2:26 pm
Forum: Personal Investments
Topic: How to allocate company bonus
Replies: 7
Views: 616

Re: How to allocate company bonus

Is after-tax 401(k) an option? This can be rolled into a Roth IRA in retirement or if your company plan allows for in-service rollovers.

What about purchasing the company stock at 5% discount, and then selling the stock as soon as possible? That'll give you a guaranteed 5% return, less taxes.
by dunkmachine
Tue Jan 29, 2019 9:39 am
Forum: Personal Investments
Topic: Finally thinking about making the switch from Vanguard to Fidelity
Replies: 50
Views: 8467

Re: Finally thinking about making the switch from Vanguard to Fidelity

So, you're wanting to move from Vanguard to Fidelity solely for the ZERO funds? Assuming you are invested in the Vanguard equivalent funds: 25% VLCAX (large cap): ER 0.05% 25% VTSAX (total stock market): ER 0.04% 25% VEXAX (extended market): ER 0.08% 25% VTIAX (total international): ER 0.11% Aggrega...
by dunkmachine
Sun Jan 27, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 99
Views: 13097

Re: Where do you keep your emergency fund?

I somewhat follow a multi-tiered EF from the Wiki: https://www.bogleheads.org/wiki/Emergency_fund However, I do occasionally think I'm overthinking it to an extent. Overall, I have 9 months of expenses in and emergency fund, consisting of: 1 month in checking at local credit union 3 months in HY sav...
by dunkmachine
Fri Jan 25, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Good camping blogs or forums?
Replies: 12
Views: 1135

Re: Good camping blogs or forums?

You can try the handful of subreddits.

r/camping
r/campinggear
r/backpacking
r/campingandhiking
r/overlanding

Read up on all the wiki's and browse all the top posts first.
by dunkmachine
Fri Jan 25, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Appropriate allocation of Church funds
Replies: 30
Views: 2264

Re: Appropriate allocation of Church funds

Lots of good information here. Our church does belong to the SBC, however I'm not sure how our church functions within that organization. I know that we tithe our offerings up to SBC. The times when we are pastorless, they help supply us interim pastors, and helps us fill those open positions. I bel...
by dunkmachine
Thu Jan 24, 2019 5:34 pm
Forum: Investing - Theory, News & General
Topic: Small-cap tilt
Replies: 24
Views: 2658

Re: Small-cap tilt

25% of my US equity is small cap value (mix of IJS and SFSNX). 75% in Total Stock market. Target 12% of overall portfolio. 25% of my International equity is small cap value-y (mix of SFILX and FNDC). 75% in Global ex-US. Target 6% of overall portfolio. Rick Ferri was the inspiration, but it's slight...
by dunkmachine
Thu Jan 24, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate allocation of Church funds
Replies: 30
Views: 2264

Re: Appropriate allocation of Church funds

Thanks for all the feedback. I really appreciate your help! I see there is a lot that I don't know and need to read up on to verify some of these questions posed. One thing our church did was to set up a legacy foundation fund which has been authorized by the state tax group and the IRS. We promote ...