Search found 1030 matches

by Glockenspiel
Thu May 21, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 57
Views: 5265

Re: Healthcare post COVID-19

When over 20 million people in the United States lose their health insurance during a pandemic, you know something is wrong with tying health insurance to jobs. Telemedicine will become more mainstream. I think many industries have been forced to advance 10 years into the future by the pandemic.
by Glockenspiel
Thu May 21, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4056

Re: what to do about 1000s of dandelions/weeds?

Get this thing --->> https://www.gardenweasel.com/garden-weasel-products/garden-weasel-tools/weasel-weedpopper-step-twist/ It works great. Spend 1-2 hours a day using this for a couple of weeks. It's actually very easy and not back-breaking work, if you use this tool. Mow your lawn to 3-3.5 inches a...
by Glockenspiel
Thu May 21, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5183

Re: Secrets to a great lawn

- Don’t mow it too short. 2.5-3” minimum length. 3” in the summer, can do a bit shorter in spring and fall. This is the most important rule. Every lawn you see that’s full of weeds most likely mows their grass too short. - Don’t bag the grass clippings. Leave them as they provide nutrients back into...
by Glockenspiel
Mon May 18, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1474
Views: 119282

Re: Small Cap Value heads Rejoice !!!

rkhusky wrote:
Mon May 18, 2020 11:30 am
Triple digit golfer wrote:
Mon May 18, 2020 10:41 am

Anyway - are all you guys rejoicing today?! VIOV up 5.8%, VBR up 6.5% as of now.
So, it’s recovered the losses from last week and is back to even for the week?
IJS is up 8.1% just today, while S&P 500 is up 3.6% today.
by Glockenspiel
Wed May 13, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3144

Re: Is it worth buying an infant car seat for each car.

If it's an infant, buy two bases and just the one car seat and clip it back and forth into each car. If they're older than an infant seat, it's absolutely worth buying a car seat for each car, instead of moving them back and forth, especially if they consistently ride with both parents.
by Glockenspiel
Tue May 12, 2020 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27868

Re: College in fall

If your normal 4-year public university is going to do only online classes this next year, I would strongly consider doing classes at a community college and then transferring the credits next year. Should be quite a bit cheaper and it’s not like you’re missing out on the “college experience.”
by Glockenspiel
Tue May 12, 2020 8:56 am
Forum: Personal Investments
Topic: What to do with $40k cash?
Replies: 13
Views: 1766

Re: What to do with $40k cash?

If $15k is not at least 3-6 months of expenses for your family, I would increase your emergency fund. If college savings is a high priority for you, I'd consider putting $5k in 529s for each kid. Otherwise, I'd start a Roth IRA for both you and your wife and put the $6 max in each of them, for 2019....
by Glockenspiel
Mon May 11, 2020 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: PPP loan forgiveness question
Replies: 9
Views: 716

Re: PPP loan forgiveness question

Following as I have the same exact question, but the dollars are smaller. I do understand that only 8/52 of your net business income is forgiveable if you have no mortgage, rent, or utilities.
by Glockenspiel
Mon May 11, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: post covid 19 office work - was coronavirus a game changer for telecommunting?
Replies: 48
Views: 3655

Re: post covid 19 office work - was coronavirus a game changer for telecommunting?

My company leadership has stated that we’re going to be working from home for a “long time”. I imagine we’ll be fully from home until either everyone is vaccinated, immune, or the virus “somehow” goes away (not happening). I think it will transform the company into being a partial work from home env...
by Glockenspiel
Mon May 11, 2020 7:45 am
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4787

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

One of those snakes with the little prongs on it. Easiest and cheapest method out there ($1) and not dumping harsh chemicals into your plumbing and to the wastewater treatment plant.
by Glockenspiel
Thu May 07, 2020 9:52 am
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10362

Re: A bond rule of thumb better than "age in bonds"

I really like this. I'm 35 and have actually been using Age minus 20 in bonds, but it does feel conservative to have 20% bonds at age 40, when I'll still be 20 years away from retirement. I do wonder how the "optimal" bond allocation in the graph was computed, though.
by Glockenspiel
Fri May 01, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 139
Views: 12284

Re: [Anyone drop cable for YouTube TV?]

I've heard Youtube TV is great, from my early Gen X and late millenial co-workers. I'm actually using Sling (blue package) TV, for $30/month, and it's been great as well. I haven't really missed much by not having ESPN.
by Glockenspiel
Thu Apr 30, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6584

Re: Has your budget changed? What items have you cut out?

Definitely spending less. No gas, reduced childcare expenses, limited takeout food, no auto maintenance, auto insurance gave me a refund, no vacations. Probably spending about $4,000/month for a family of 4, and definitely spending less than $5,000/month.
by Glockenspiel
Tue Apr 28, 2020 10:39 am
Forum: Investing - Theory, News & General
Topic: Did we just go in and out of a recession?
Replies: 25
Views: 3231

Re: Did we just go in and out of a recession?

The economy does not equal the stock market. 10% of the people own more than 80% of all stocks.
by Glockenspiel
Mon Apr 27, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 62
Views: 4826

Re: Car shopping PHEV / ICE / or all electric?

I personally would not own a purely electric car at this time, particularly as my only car, because I want a car that I can drive up to 700-800 miles in any direction in a 12-16 hr day if I need it do so. You can, in a Tesla. [/quote] How frequently do you drive 700-800 miles in one day? Twice a ye...
by Glockenspiel
Fri Apr 24, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9606

Re: Best Covid19 resistant job

CEO of Lysol.
by Glockenspiel
Tue Apr 21, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a home in this range?
Replies: 31
Views: 2742

Re: Can I afford a home in this range?

A 1.3m home on 400k income? IF you didn’t have the highs student debt load and IF that income was gold plated guaranteed and IF we could all be confident housing wasn’t going to implode due to the CV situation... maybe. But even then that would be on the edge of what I’d be comfortable with, and I ...
by Glockenspiel
Tue Apr 21, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: Deflation is everywhere. Get used to it.
Replies: 151
Views: 14877

Re: Deflation is everywhere. Get used to it.

striker79 wrote:
Mon Apr 20, 2020 9:03 am
We need more stimulus!...So big companies can use that money to buyback shares, instead of actually circulating it into the economy. Then we can all watch our retirement accounts grow and pat ourselves on the back for staying the course and adhering to boglehead principles.
+1
by Glockenspiel
Mon Apr 20, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: 2020 Highlander - any owners
Replies: 40
Views: 3148

Re: 2020 Highlander - any owners

Though, one thing to consider with the delta in pricing... the Hybrid has decent specs on paper and the "only" $1400 difference on MSRP may in turn be higher at signing for a hybrid versus gas in some parts of the country --- e.g. California. This is a fair point. When I consider the smaller enviro...
by Glockenspiel
Mon Apr 20, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: 2020 Highlander - any owners
Replies: 40
Views: 3148

Re: 2020 Highlander - any owners

We're strongly considering buying the 2020 Highlander Hybrid. The Hybrid model is only $1,400 more than the base model, so I have no idea why people wouldn't buy the Hybrid over the base model. The XLE trim level seems to be a bit of the sweet spot of value and features vs. price.
by Glockenspiel
Mon Apr 20, 2020 10:27 am
Forum: Investing - Theory, News & General
Topic: 60% now say: September or later
Replies: 13
Views: 2217

Re: 60% now say: September or later

"mostly back to normal" will be Fall 2021. Getting back from full lock-down mode will be Fall 2020.
by Glockenspiel
Mon Apr 20, 2020 9:45 am
Forum: Personal Investments
Topic: How to put $100K into the market now?
Replies: 34
Views: 3687

Re: How to put $100K into the market now?

I'd probably put $30-$40k in today and then watch the market for the next few weeks and on down days, put another $10-$20k in each time until you reach your $100k. I Would do something simiar What if the stock market goes up, not down? You are then left with $60-70k in cash uninvested. Holding cash...
by Glockenspiel
Mon Apr 20, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Laid off!!
Replies: 71
Views: 10156

Re: Laid off!!

Apply for unemployment insurance today. Go to healthcare.gov to get started applying for Obamacare. Good luck in Florida with the state mentality that the unemployed don't deserve a social safety net. You should at least get the $600/week from the stimulus that was just passed by the Feds.
by Glockenspiel
Mon Apr 20, 2020 8:55 am
Forum: Personal Investments
Topic: How to put $100K into the market now?
Replies: 34
Views: 3687

Re: How to put $100K into the market now?

I'd probably put $30-$40k in today and then watch the market for the next few weeks and on down days, put another $10-$20k in each time until you reach your $100k.
by Glockenspiel
Wed Apr 15, 2020 10:57 am
Forum: Personal Investments
Topic: VTSAX or VTI
Replies: 24
Views: 1637

Re: VTSAX or VTI

I use both. They are essentially the same exact thing, but with VTSAX you wait until the end of the day and get that stock price. I have been buying during the daytime with VTI, on days that are down.
by Glockenspiel
Wed Apr 15, 2020 8:49 am
Forum: Personal Finance (Not Investing)
Topic: File for PPP or for unemployment insurance?
Replies: 1
Views: 180

File for PPP or for unemployment insurance?

My wife has an single-member LLC that contracts out to a company for medical services as a Nurse Practitioner. Since COVID-19 has started, the company that she contracts with has temporarily closed, so she no longer has hours contracting at this place. She still has her first job, which is 3 days a ...
by Glockenspiel
Fri Apr 10, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: 401k match suspended
Replies: 18
Views: 1788

Re: 401k match suspended

My company normally does their entire year's worth of 401k match at the end of March every year. This year, they're not doing it because they're "waiting until just before tax filings are due." Is that legal to push the match back like 6 months?
by Glockenspiel
Fri Apr 10, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Cheapest Screen for Zoom Video
Replies: 16
Views: 747

Re: Cheapest Screen for Zoom Video

A cable that can connect your phone or computer to a TV that you already own, through an HDMI input. That's the cheapest way.
by Glockenspiel
Fri Apr 10, 2020 10:51 am
Forum: Personal Investments
Topic: The Coming Baby Boom?
Replies: 48
Views: 2026

Re: Will there be a baby boom in 8 to 10 months?

Only a baby boom for first-time parents. If there's a product that first-time parents need, invest in that stock.

Probably a slight divorce boom in the coming months for parents with children at home.
by Glockenspiel
Tue Apr 07, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: No sports but cable bills unchanged
Replies: 86
Views: 6126

Re: No sports but cable bills unchanged

Cut the cord. Sure it might be a tiny hassle, but it's so worth it.

$30/month for SlingTV with DVR. $60/month for high speed internet. $110/month saved.
by Glockenspiel
Mon Apr 06, 2020 10:06 am
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16328

Re: What percentage of your paycheck do you invest?

Keep in mind, OP, that people with lower savings rates are less likely to respond. 15% is very respectable. Well above average. +1 Very good points. 15% should be enough to maintain the same lifestyle in retirement for anyone who started sufficiently early. Percentages are interesting but not very ...
by Glockenspiel
Mon Apr 06, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16328

Re: What percentage of your paycheck do you invest?

Around 30 percent invested in 401k's, HSA, Roth IRA, and Brokerage account. This past month had some cash sitting around that I put into the market, which would make the numbers for 2020 much larger than that, but I'm only counting recurring normal investments (not one-time investments).
by Glockenspiel
Fri Apr 03, 2020 9:24 am
Forum: Personal Investments
Topic: Whole Life Insurance Policy
Replies: 11
Views: 524

Re: Whole Life Insurance Policy

When I was younger, my parents took a Whole Life Insurance Policy thru MetLife for $100,000 on my name. I do not remember how many years they paid into it. I have not paid anything on it. Several years ago, I got a letter that it is transferred to Bay State. I have left many messages to Bay State F...
by Glockenspiel
Thu Apr 02, 2020 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for unemployment?
Replies: 14
Views: 1426

Re: Should I apply for unemployment?

Personally, I would take the PTO - mostly guaranteed cash now. Unemployment is going to be less than your full pay. When your new baby comes, you may not even have this job. Even if you still have it, the time off (unpaid) is protected by FMLA (assuming your wife doesn't work for the same company)....
by Glockenspiel
Thu Apr 02, 2020 11:27 am
Forum: Investing - Theory, News & General
Topic: The end of cruise ships [cruise line stock prices]
Replies: 246
Views: 26077

Re: The end of cruise ships

I've never been on a cruise and don't know that I will ever go on one, unless it's one of those very small ships seeing a place like Alaska or something, a long time in the future. I'll NEVER go on a cruise ship with 1000+ people.
by Glockenspiel
Wed Apr 01, 2020 10:22 am
Forum: Investing - Theory, News & General
Topic: What is your age/AA during this crisis?
Replies: 138
Views: 6316

Re: What is your age/AA during this crisis?

Age 35, married with 2 young kids (4 & 1).
AA: 85/15 (4 fund portfolio) (same before and during crisis)
combined NW: $775k (including home equity)
years to retirement: about 20 years
by Glockenspiel
Mon Mar 30, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: Is the coronavirus stay-at-home experience a preview of retirement life?
Replies: 61
Views: 4185

Re: Is the coronavirus stay-at-home experience a preview of retirement life?

I hope I’m not working remotely while also taking care of 2 young kids at the same time, while I’m retired!
by Glockenspiel
Mon Mar 30, 2020 11:20 am
Forum: Personal Finance (Not Investing)
Topic: how much cash do you keep at home?
Replies: 130
Views: 8594

Re: how much cash do you keep at home?

Normally probably $50-$300 combined in our wallets. Use credit cards for nearly everything.
by Glockenspiel
Mon Mar 30, 2020 10:46 am
Forum: Personal Investments
Topic: I am 16, Bogleheads help me be rich one day
Replies: 114
Views: 7870

Re: I am 16, Bogleheads help me be rich one day

Try earning $6,000/year for the next few years and put all of it into a Roth IRA, assuming your parents will help you out with daily expenses. Invest it all in something like a Total Stock Market Index Fund. No need for bonds or cash. Also, don't invest in individual stock funds. Far too risky unle...
by Glockenspiel
Wed Mar 25, 2020 4:17 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63046

Re: So bottom is probably behind us....right?

Where I live, however, it is getting pretty hot outside. Hotter temperatures make it more difficult for the virus to spread, so maybe we will see a slowing of the spread in the next few weeks in hotter climates. Not necessarily. No one knows as this is a brand new virus. Australia is currently pret...
by Glockenspiel
Wed Mar 25, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63046

Re: So bottom is probably behind us....right?

I doubt it. Wait 1-2 weeks until we start seeing hospitals get overloaded and the death rates increase dramatically. Most people have only been sheltering in place for about a week or 10 days. Meaning we're still within the possible incubation period and people are just starting to get sick.
by Glockenspiel
Wed Mar 25, 2020 4:11 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 279
Views: 21006

Re: Are you still going to the grocery store or using a delivery service? Which?

Been using a delivery service for a solid 1-2 years now. So much faster and simpler than shopping in person.
by Glockenspiel
Mon Mar 23, 2020 12:35 pm
Forum: Investing - Theory, News & General
Topic: Will the Dow ever see 29500 again?
Replies: 86
Views: 8664

Re: Will the Dow ever see 29500 again?

I'm predicting it will be 3-4 years. Near the end of the next presidential administration.
by Glockenspiel
Fri Mar 20, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: Master of biology degree
Replies: 40
Views: 1978

Re: Master of biology degree

Can I suggest Biomedical Engineering instead, for a biology-interested kid? Will have much better job prospects. It's not to say you can't get a good job with an MS in Biology, but many of those kids either attempt to go to Med School, or end up working a job barely related to biology, for $20/hour.
by Glockenspiel
Thu Mar 19, 2020 8:44 am
Forum: Personal Investments
Topic: I am 16, Bogleheads help me be rich one day
Replies: 114
Views: 7870

Re: I am 16, Bogleheads help me be rich one day

Try earning $6,000/year for the next few years and put all of it into a Roth IRA, assuming your parents will help you out with daily expenses. Invest it all in something like a Total Stock Market Index Fund. No need for bonds or cash. Also, don't invest in individual stock funds. Far too risky unles...
by Glockenspiel
Thu Mar 19, 2020 8:39 am
Forum: Investing - Theory, News & General
Topic: What changes will you make in your life ...
Replies: 16
Views: 1157

Re: What changes will you make in your life ...

The shaking hands culture will permanently change. I fear that my young son (age 4.75) will be more standoffish around other people, due to having one full year of social distancing at one of the earliest ages he can remember. I'll certainly be stocking hand sanitizer in more locations, and my kids ...
by Glockenspiel
Wed Mar 18, 2020 12:04 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 503
Views: 50432

Re: How Is Your Job Being Impacted By The Current Crisis?

We’re laying off some people temporarily and some other people permanently (Today!) in my civil engineering consulting firm. Some of our clients are pausing their projects, and we can’t keep everyone busy while working remotely.
by Glockenspiel
Wed Mar 18, 2020 9:15 am
Forum: Personal Investments
Topic: The Black Swan is Here
Replies: 153
Views: 16612

Re: The Black Swan is Here

There is a chance that we may be well into recovery by summer to end of the year as market is forward looking. Dow/market has had huge inter year losses in the past only to finish the year up (think 1987 ). Staying the course is best. Obviously crystal ball is cloudy as we say here. I think we're i...
by Glockenspiel
Fri Mar 13, 2020 4:13 pm
Forum: Personal Investments
Topic: 25. 65K in cash. What to do?
Replies: 9
Views: 1158

Re: 25. 65K in cash. What to do?

I'd use this next week and put in $10,000-$15,000 each day, during the time the market is open, and invest in VTI (Vanguard Total Stock Market Index ETF). I'd keep SOME of it in cash to keep an E-fund.