Search found 537 matches

by Glockenspiel
Fri Nov 16, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 41
Views: 3454

Re: Anyone have a bad experience with HDHP?

Never, unless I was irritated by having to pay out of pocket until I met the deductible. Otherwise they generally cover everything a PPO covers. I've only had an HSA for a few years now and have accumulated nearly $25k in it.
by Glockenspiel
Wed Nov 14, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 21
Views: 2017

Re: 2019 Subaru Forester Vs. 2019 Rav 4

Currently have a 2011 Ford Fusion with 82,000 miles. This is a high mileage car for us, usually keeping a car around five years due to my husband not wanting to deal with car repairs. .... Want to try to keep our next vehicle for 10 years or more. This part doesn't make sense. Probably better to pl...
by Glockenspiel
Wed Nov 14, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 12857

Re: Worth fixing a 30-year-old Maytag dryer?

Lol. No.

I wouldn't spend much time trying to fix a 15 year old dryer and would just buy another one for $600.
by Glockenspiel
Wed Nov 14, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: My Grandmother has 80% stocks
Replies: 55
Views: 5270

Re: My Grandmother has 80% stocks

She's 84 years old. Statistically, her average life expectancy as of right now is about 7-8 more years.

Does she have plenty of money to last at least 10 more years? If so, her allocation is likely perfectly suitable for her.
by Glockenspiel
Mon Nov 12, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Wanting to move my family but where to begin?
Replies: 21
Views: 2354

Re: Wanting to move my family but where to begin?

Not exactly where you mentioned, but consider Minneapolis-St. Paul metro area. 6 hour drive to Chicago. Great job market with tons of corporate type jobs nationally or regionally headquartered here. Lower COL and much better commutes than Chicago. You can find a 4 bedroom 3 bathroom home here for $3...
by Glockenspiel
Tue Nov 06, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Son has job offer in Nashville, can he survive on base of 33K
Replies: 16
Views: 2464

Re: Son has job offer in Nashville, can he survive on base of 33K

If he's young and single, there's really no reason to not have a roommate. There are PLENTY of people that live on $48k or less. With a roommate, his rent payment should be less than $800/month, which would make things much more do-able.
by Glockenspiel
Fri Nov 02, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 3935

Re: HealthCare 2019 - No ACA Subsidy

If you are in Northern Virginia, Kaiser may be available to you (depending on exactly where you live). We love Kaiser. If in this area, call Kaiser. Kaiser rates went up a lot this year. Cheapest plan for a 60 year old male is $1098/month for a bronze plan with $5500 deductible and $7900 out-of-poc...
by Glockenspiel
Fri Nov 02, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 66
Views: 4842

Re: Engineering school

Purdue, University of Minnesota, Michigan Tech, Iowa State University, Northwestern, Notre Dame.

Honestly almost every Big Ten state school will have a good engineering program, including electrical engineering.
by Glockenspiel
Wed Oct 31, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12636

Re: Am I doing well financially?

You are doing extremely well on income... but not in your savings/investing - especially for your level of income. Unless you are still paying off massive student loan debts, there's no reason for you to be at 6% 401k contributions right now. You don't need to increase your income - you need to spe...
by Glockenspiel
Tue Oct 30, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Kevin O'Leary: owning a car is a terrible idea
Replies: 43
Views: 3315

Re: Kevin O'Leary: owning a car is a terrible idea

munemaker wrote:
Tue Oct 30, 2018 11:11 am
Personally I would not make any decisions based on the opinions of a television entertainer.
I.E. 63 million people disagreed with you in 2016.
by Glockenspiel
Tue Oct 30, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Minnesota
Replies: 28
Views: 2830

Re: Moving to Minnesota

money_bunny wrote:
Tue Oct 30, 2018 12:13 pm
Consider a block heater and somewhere to plug it in?
If you have any sort of garage to park in, whatsoever, you won't need a block heater. If you're parking outside all winter long, you may have a bit of an issue in January when it occasionally gets down to -5 to -15 degrees overnight.
by Glockenspiel
Tue Oct 30, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12636

Re: Am I doing well financially?

I feel like I am doing better than most, but not as well as I should be at my age. What can I do differently/improve upon? Seems like my only option is to find a way to increase my income. I also live in the midwest, similar ages, with 2 kids, an income about 20% less than yours, and a housing paym...
by Glockenspiel
Tue Oct 30, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Kevin O'Leary: owning a car is a terrible idea
Replies: 43
Views: 3315

Re: Kevin O'Leary: owning a car is a terrible idea

I agree with him, but until we get every person to live in a highly dense city with a robust public transit system, that ain't happening. The world is moving in that direction, but it will take generations to get there.
by Glockenspiel
Mon Oct 29, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 6816

Re: 401k down 8% this month

From the recent highs, I'm down 8.2%. I'm only 33 years old so I'm sticking with my asset allocation (90% stocks/10% bonds) because I'm not planning to retire for at least 20-25 years. My bond allocation has recently re-balanced itself back to what I have in my IPS (Investment Policy Statement).
by Glockenspiel
Mon Oct 29, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Minnesota
Replies: 28
Views: 2830

Re: Moving to Minnesota

I assume a promotion means more money, and since we have a 7-9% state income tax, we're happy to have you! Not sure if I should send congrats or condolences. We also have higher sales tax. Can you move to Hudson, or stay on the WI side, since you're already a resident? White Bear Lake is 5-10 miles...
by Glockenspiel
Mon Oct 29, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Minnesota
Replies: 28
Views: 2830

Re: Moving to Minnesota

I'd look for places in the northeast and east Metro area. If you stay in the same quadrant of the Twin Cities as your job, your commute will be really manageable. Mahtomedi has great schools (if you have kids or will soon have kids). Vadnais Heights, Arden Hills, Lino Lakes, White Bear Lake, Lake El...
by Glockenspiel
Mon Oct 15, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: How much to spend on landscaping?
Replies: 6
Views: 1372

Re: How much to spend on landscaping?

Goals: reduce water usage, nice look, deal with high grade (slope). Decomposed granite has mostly eroded due to rain. The grass has died in spots due to shade. I'm looking to convert to a xeriscape that uses drought-resistant plants that don't require much maintenance. I consulted a "native landsca...
by Glockenspiel
Fri Oct 12, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options help (beginner)
Replies: 18
Views: 824

Re: 401k Options help (beginner)

I’d use the ishares S&P 500 index for 60%, PGIM total return bond for 20%, and American Funds EuroPacific growth fund for 20%. Or something like that.
by Glockenspiel
Fri Oct 12, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9870

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

Thought has crossed my mind of being a marshal at a golf course. Probably worth more than $1000/month for me if it includes golf privileges. My father-in-law does this at a golf course near their lake home, 2 days a week, after retiring from his executive position. He loves golf and enjoys talking ...
by Glockenspiel
Thu Oct 11, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7836
Views: 1608135

Re: U.S. stocks in freefall

OP if it makes you feel better my overall portfolio went down 20K today and I still purchased in my taxable account. You know, it just occurred to me, I have absolutely no idea how much my portfolio went down yesterday. I've also lost $20,000 in the last couple days, or as much as I make in about 3...
by Glockenspiel
Wed Oct 10, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7836
Views: 1608135

Re: U.S. stocks in freefall

AMZN is down 6.2% JUST TODAY! Time to buy?
by Glockenspiel
Tue Oct 09, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: Child is HS senior: Should college fund have any equities?
Replies: 28
Views: 2327

Re: Child is HS senior: Should college fund have any equities?

I'd probably have half of what you would have if you retired. If your retirement plan is to have 50% stocks, I'd probably have 25% for a high school senior. They won't spend all the money right away, so if the market downturns tomorrow, you'd still have 4 years for it to rebound.
by Glockenspiel
Mon Oct 08, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: 1099 employee for the first time. Help?
Replies: 10
Views: 510

Re: 1099 employee for the first time. Help?

Keep in mind that her 40% "raise" now has to take into account that she's paying double social security and medicare tax, because she's the "employer" and the "employee". Still a nice increase. Thank you. This is all very helpful and sort of verifies what we've been reading online. We did attempt t...
by Glockenspiel
Mon Oct 08, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: 1099 employee for the first time. Help?
Replies: 10
Views: 510

1099 employee for the first time. Help?

My wife is in the process of accepting a new position as a nurse practitioner, but would become a 1099 employee. The hourly rate they're offering is about 40% more than what she would earn as a W-2 employee. We have health insurance through my work, even though this locum tenens position does offer ...
by Glockenspiel
Mon Oct 08, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Sell 5-10% of equities to re-balance into bonds?
Replies: 14
Views: 1084

Re: Sell 5-10% of equities to re-balance into bonds?

You might want to think strongly about adding some cash (or cash equivalents), and maybe even a bit of REITs, or commodities as diversifiers. Many (most?) Bogleheads are satisfied with all non-emergency funds invested in stocks and bonds. And there's probably nothing wrong with that. However, in my...
by Glockenspiel
Mon Oct 08, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Sell 5-10% of equities to re-balance into bonds?
Replies: 14
Views: 1084

Re: Sell 5-10% of equities to re-balance into bonds?

Can your next purchase be bonds instead of stocks? That's what I do. Also, 9.2 instead of 10 would not be worth the tax for me to sell unless we are talking about a boatload of money. Do whatever helps you sleep best at night though. I'd do all of this within my 401k or IRA so no tax implications. ...
by Glockenspiel
Mon Oct 08, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Sell 5-10% of equities to re-balance into bonds?
Replies: 14
Views: 1084

Sell 5-10% of equities to re-balance into bonds?

I'm 33 and an aggressive investor, so my target for bonds has been 10%. It has drifted down to 9.2%, but I'm considering "re-balancing" up to like 15-20% bonds because I'll admit I'm trying to market time before the bubble bursts. I would never consider increasing my bonds to more than 20% of my por...
by Glockenspiel
Sat Oct 06, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 31
Views: 3400

Re: Garage Shelving?

Some 2x4s, 3/8 inch plywood, and wood screws and my shelving was pretty easy to build in a few hours.
by Glockenspiel
Fri Oct 05, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Fall Foliage
Replies: 29
Views: 2332

Re: Fall Foliage

Spectacular in North shore area of Minnesota and the SE Minnesota bluff country. Hotels sell out early so it’s a good idea to book a year in advance! Currently the north shore is near peak, so October 5th-10th is a good target date for planning purposes. In SE Minnesota, I’d wait until mid-October. ...
by Glockenspiel
Fri Oct 05, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15529

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

If you’re going to consider Iowa, you’ll like Minnesota a whole lot more. If not the Twin Cities, consider Rochester, Mankato, or Duluth. Fewer corn fields, more lakes, more scenery, better jobs, pro sports. Southern Minnesota is about the same climate as Iowa. Consistently rated a top place to live.
by Glockenspiel
Wed Oct 03, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15529

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

If you want to test the weather put Fargo, ND on your list. :o Lots of good jobs and low unemployment. Our weather makes Iowa seem like the deep south. Ha ha. Fargo is a great town with lots of jobs, high standard of living, but you will be in for a major cultural and weather shock, coming from Cal...
by Glockenspiel
Wed Oct 03, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 81
Views: 9433

Re: For those of you in the Accumulation Phase - How often do you check?

I'll admit that I check my Google spreadsheet daily (updated automatically with share prices). I do nothing after checking it 99% of the time. I just like watching it go up :?
by Glockenspiel
Wed Oct 03, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15529

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

If you want to test the weather put Fargo, ND on your list. :o Lots of good jobs and low unemployment. Our weather makes Iowa seem like the deep south. Ha ha. Fargo is a great town with lots of jobs, high standard of living, but you will be in for a major cultural and weather shock, coming from Cal...
by Glockenspiel
Mon Oct 01, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 237
Views: 24103

Re: What is your overall portfolio weighted expense ratio

It’s 0.128%, including my 401k, which is only about 15% of the overall portfolio. My 401k expenses are around 0.56%, in vanguard index funds.
by Glockenspiel
Fri Sep 28, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: VTI vs VTSAX [Vanguard Total Stock Mkt ETF vs. Admiral Shares]
Replies: 12
Views: 1818

Re: VTI vs VTSAX

oldzey wrote:
Thu Sep 27, 2018 8:34 pm
Flobes wrote:
Thu Sep 27, 2018 8:29 pm
Dividend Day!
Yup!

Find out if your fund is declaring a dividend this month
Yippee! My dividends received just within the last couple of days is worth more than $1,800. Way more than I've made working the last few days.
by Glockenspiel
Thu Sep 13, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 3095

Re: How to determine quality of a finished new construction home

How likely is it that they make all of the apparent stuff high quality but average or lower quality on construction like insulation, materials, foundation, roofing, etc.? The likelihood is 100%. This. Spec builders know what materials buyers are looking at and how to make the most profit off the ho...
by Glockenspiel
Thu Sep 13, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3525

Re: Buying a house 1 mile away from a municipal landfill

Is the house east, west, north, or south of the landfill? In my area, winds generally blow from west to east so I wouldn’t worry if it was east of you.
by Glockenspiel
Thu Sep 13, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11570

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

I'm only 33 and already feeling stressed to the max in my engineering consulting firm. Not enough time, not enough resources, company resistant to hiring, not enough time to train people up. I would gladly take a 24-32 hour/week job, if that existed, and decrease my pay accordingly.
by Glockenspiel
Wed Sep 12, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: House eaves color
Replies: 7
Views: 504

Re: House eaves color

My house siding or eaves aren’t wood, but the eaves are the same color as the house trim. I live in the upper Midwest.
by Glockenspiel
Mon Sep 10, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7577

Re: Amazon Prime - Value?

Prime Video, Prime photos, prime music, free 6 month Washington Post subscription, and Whole Foods discounts still make it worthwhile to me.
by Glockenspiel
Thu Sep 06, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4975

Re: To Be or Not to Be...Married

Combining goals, finances, and expenses has led to a far greater combined net worth than if we weren't married. Just do it (Believe in something. Even if it means sacrificing everything). :D
by Glockenspiel
Thu Sep 06, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: My recent experience with buying custom window blinds
Replies: 27
Views: 2844

Re: My recent experience with buying custom window blinds

Installing blinds is easier (and far safer) than changing the brake pads on a car or changing a garbage disposal unit. I think it's FAR easier. Sure, installing blinds for an entire house may be a bit time-consuming, but the work is quite simple. I installed all the blinds in my house, which was pu...
by Glockenspiel
Thu Sep 06, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Work asking for input on benefits packages
Replies: 14
Views: 1308

Re: Work asking for input on benefits packages

jehovasfitness wrote:
Thu Sep 06, 2018 12:22 pm
Thegame14 wrote:
Thu Sep 06, 2018 12:06 pm
paternity leave.
While I don't want kids, that thought crossed my mind as right now the option is for unpaid leave for it, in the event we were to have a kid.
Many public agencies are starting to offer paid paternity leave. Ask for this. Contribute to a change in USA's culture.
by Glockenspiel
Tue Sep 04, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4829

Re: How much do you spend on kids extracurriculars?

In olden times there were open fields, sometimes local parks, and neighborhood kids to play with. Kids did fine. We seem to have lost that except in the smaller more rural areas. Seriously. Whatever happened to doing your homework and then biking over to a friend's house to play? I grew up in the l...
by Glockenspiel
Tue Sep 04, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 4033

Re: Neighbor Fencing question

Here in the midwest, there are no "shared fences". The fence is always on someone's property. Legally, you are not responsible for 1/2 of his fence, but if you plan on living there for a long time, it may be good to share in the cost of less than 1/2 of the side that borders your property, with him ...
by Glockenspiel
Tue Sep 04, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - HSA questions
Replies: 19
Views: 1758

Re: Baby on the way - HSA questions

If you can afford it, try to keep the money in the HSA and pay out of pocket for the expenses. We just had a kid 2 months ago and it's taking a lot of convincing of my wife to allow me to pay out of pocket (decreasing our checking and savings accounts), in order to keep the money in the HSA. But it ...
by Glockenspiel
Tue Sep 04, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9759

Re: What is your stealth way to save monthly?

Automatic bi-weekly deductions to my taxable account (on top of maxing 401k, HSA, and Roth IRAs). Helps keep us from accumulating too much in checking and savings accounts.
by Glockenspiel
Tue Sep 04, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4829

Re: How much do you spend on kids extracurriculars?

How about some unstructured play time outdoors? Are there any "classes" that you can pay money to have your kids play outside in nature?
by Glockenspiel
Fri Aug 31, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: $3.5M cash pile at age 63 – what would you do right now (and what wouldn't you do)?
Replies: 34
Views: 5806

Re: $3.5M cash pile at age 63 – what would you do right now (and what wouldn't you do)?

Right now? Are you at work right now or at home right now? If at work, I would quietly remove all my personal files from my computer, take any personal possessions that you care about, quietly shut off the computer, walk out of the building through the back staircase, drive home, and hug my kids and...
by Glockenspiel
Tue Aug 28, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 12117

Re: How do you 7 figure guys organize multiple accounts?

I’m a mid 6 figure guy but used to have that issue with lots of accounts. I rolled as much over to Vanguard as I could except for our 401ks and our HSA. I also consolidated funds across accounts. I use a spreadsheet to keep track of it all and it works well. It probably took a few months to get it a...