Search found 39 matches

by dunkmachine
Wed Oct 09, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: When to put on new roof?
Replies: 34
Views: 2855

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: 4234

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: 1974

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: 4442

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: 9675

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: 2247

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: 580

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: 1263

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: 382

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: 554

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: 2971

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: 2971

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: 2797

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: 2962

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: 30
Views: 4420

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: 1975

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: 4286

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: 3772

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: 439

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: 526

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: 613

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: 601

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: 8101

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: 62
Views: 7575

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: 1005

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: 2204

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: 2244

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: 2204

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 ...
by dunkmachine
Thu Jan 24, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Appropriate allocation of Church funds
Replies: 30
Views: 2204

Re: Appropriate allocation of Church funds

Thank you guys for the replies! How in the dark are they about how the Ameriprise money has been doing? Can you get that information and show them? If there is a lot of buying and selling I am pretty sure they are not making 7%, maybe they are even losing money. The finance committee chairman claims...
by dunkmachine
Wed Jan 23, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate allocation of Church funds
Replies: 30
Views: 2204

Appropriate allocation of Church funds

I was hoping I could get some Bogleheads advice for an issue I'm having with our Church's is handling of previously gifted funds. We are a relatively small congregation (about 200 people in attendance each Sunday morning). The Church has a little over $500K in various buckets, consisting of: 2 Ameri...
by dunkmachine
Tue Jan 22, 2019 5:54 pm
Forum: Personal Investments
Topic: Help with 401(k) options that went from not-amazing to worse after company acquisition
Replies: 9
Views: 500

Re: Help with 401(k) options that went from not-amazing to worse after company acquisition

I think the State Street S&P 500 Index and Pioneer Bond Fund are the best options. Now since he maxes Roth each year, he can carry all his bond allocation there since he'll likely have much better choices. You can read through this section from the Wiki, which may be helpful: https://www.bogleheads....
by dunkmachine
Tue Jan 22, 2019 12:28 pm
Forum: Personal Investments
Topic: Fidelity BrokerageLink in 401k
Replies: 13
Views: 1214

Re: Fidelity BrokerageLink in 401k

You may want to verify that there isn't a fee associated for using BrokerageLink. This information will be in the Plan Fact Sheet. Also, with mine, I'm only allowed to purchase mutual funds and not ETF's. I have BrokerageLink through my employer and it works pretty seamlessly. I only started using i...
by dunkmachine
Fri Dec 28, 2018 5:07 pm
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 154
Views: 12202

Re: My favorite Boglehead posters

whodidntante
by dunkmachine
Fri Dec 28, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 6297

Re: Shoes to wear with jeans to the office?

Boot Suggestion: https://www.redwingheritage.com/us/USD/ ... 3141-03141

For shoes, I'd recommend a pair of tan, suede derbies. I recommend Walk-over for a brand, but they don't appear to be any in stock on their website to link to.
by dunkmachine
Sat Dec 15, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Adult Games / Board Games - Recommendations
Replies: 55
Views: 4166

Re: Adult Games / Board Games - Recommendations

Our family and friends love Bohnanza. Four players is minimum and the more players the better. Instructions can be intimidating but you get the hang of it very quickly.
by dunkmachine
Fri Sep 07, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 2053

Re: Yellowstone and Grand Teton must see and do

Just got back from 5 night camping trip in Yellowstone. My must do's: 1. Lonestar Geyser - ~5 mi hike (roundtrip) along an abandoned road. Easy hiking. Geyser erupts every 3 hours like clock work. We timed it just right and got there 15 minutes before eruption. Pack a lunch and plan to say a while. ...
by dunkmachine
Sun Sep 02, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Lime wash vs Mortar wash (german schmear), experience anyone?
Replies: 2
Views: 1103

Re: Lime wash vs Mortar wash (german schmear), experience anyone?

I had the same concern about painting brick. Although I don't have experience with lime washing or German smear (other than what they showed on Fixer Upper), I would add another option: staining. It is tedious and time consuming to be sure. You're staining one brick at a time (i.e. painting). I just...
by dunkmachine
Sat Jan 13, 2018 10:31 am
Forum: Personal Investments
Topic: Company 401K Fund Change
Replies: 9
Views: 861

Re: Company 401K Fund Change

Looks like you have a pretty good selections. First would be decide on your stock/bond split. Then decide percentage of domestic to international stocks (FSPNX). 81% FXSIX/19% FSEVX will approximate Vanguard Total Stock Market. As an example, 80% stocks (20% bonds) with 20% international, allocation...
by dunkmachine
Sat Jan 06, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: National Park with baby
Replies: 2
Views: 313

National Park with baby

My wife and I live in the Texas Panhandle. Our goal is to try and visit as many National Parks as we can during our lifetime. We now have a 5 month old baby and would like to do a vacation to a National Park in the spring/summer depending on location. We enjoy hiking and have gone a few times with b...