Search found 832 matches

by topper1296
Tue Dec 19, 2023 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 236
Views: 36561

Re: Buying a luxury car (how dumb would it be to do this?)

topper1296 wrote: Wed May 10, 2017 10:12 pm I haven't read all of the other replies, however I kinda went the other way. I went from an Acura to a Subaru and have no regrets.
Since the OP revived this old thread. I'll revisit my old comment. I ended up driving the Subaru for about 8 years but went back to Acura and bought a used RDX (paid cash/no financing). The Subaru was a solid car for me but I always missed my Acura (the tech, power and much nicer interior), so I went back and I'm happy with it.
by topper1296
Fri Sep 22, 2023 3:56 pm
Forum: Personal Investments
Topic: index/actively managed/individual stocks split?
Replies: 17
Views: 1490

index/actively managed/individual stocks split?

I know there are a lot of threads about asset allocation on here, but I was wondering what peoples split is between indexed, actively managed funds and individual stocks? I do realize the site I'm on and fully expect indexed to be the majority here.

Personally, I'm 75% indexed, 15% actively managed (most of that in VG Wellington Admiral) and 10% individual stocks.
by topper1296
Sun Jul 23, 2023 5:43 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 333
Views: 43583

Re: What is your overall portfolio weighted expense ratio

topper1296 wrote: Sun Dec 04, 2022 9:04 pm
topper1296 wrote: Fri Jan 29, 2021 6:15 pm
topper1296 wrote: Fri Sep 20, 2019 10:10 am
topper1296 wrote: Fri Sep 20, 2019 10:10 am
topper1296 wrote: Sun Sep 30, 2018 12:46 pm

Just checked this again and down to 0.13
Sep 2019 check up and now down to 0.11% :sharebeer
Jul 2020 check up and going down. Currently at 0.08%. :beer
Jan 21 check up and still at 0.08%. Since my last check I've sold off some multi-year positions in individual stocks and have been DCA'ing a position into $VOO (S&P 500 ETF) in a taxable account and a couple sector ETFs in my IRA.
Dec 22 check up and down to 0.07%
Just checked and back up to 0.10% since I bought some admiral shares in VG Wellington.
by topper1296
Sun Dec 04, 2022 9:04 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 333
Views: 43583

Re: What is your overall portfolio weighted expense ratio

topper1296 wrote: Fri Jan 29, 2021 6:15 pm
topper1296 wrote: Fri Sep 20, 2019 10:10 am
topper1296 wrote: Fri Sep 20, 2019 10:10 am
topper1296 wrote: Sun Sep 30, 2018 12:46 pm
topper1296 wrote: Sat Feb 25, 2017 7:40 pm 0.19% between Fido, VG and Schwab.
Just checked this again and down to 0.13
Sep 2019 check up and now down to 0.11% :sharebeer
Jul 2020 check up and going down. Currently at 0.08%. :beer
Jan 21 check up and still at 0.08%. Since my last check I've sold off some multi-year positions in individual stocks and have been DCA'ing a position into $VOO (S&P 500 ETF) in a taxable account and a couple sector ETFs in my IRA.
Dec 22 check up and down to 0.07%
by topper1296
Sat Oct 08, 2022 8:50 pm
Forum: Personal Consumer Issues
Topic: new mattress rotation schedule
Replies: 32
Views: 2884

Re: new mattress rotation schedule

I can't flip my Casper mattress, however I do rotate it every 6 months.
by topper1296
Thu Sep 29, 2022 7:00 pm
Forum: Personal Consumer Issues
Topic: Which is the best pizza in a chain store?
Replies: 110
Views: 9927

Re: Which is the best pizza in a chain store?

Watty wrote: Thu Sep 29, 2022 5:10 pm Jets Pizza deep dish, if you like deep dish.

Bonus: I have found that the best way to reheat leftover pizza is in an air fryer so try that if you have one. It keeps the crust crispy and the top will just slightly brown which can taste great.
Love the 4 or 8 corner pizza from Jet's.
by topper1296
Fri Aug 12, 2022 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: New construction home buying process rushed?
Replies: 14
Views: 1559

Re: New construction home buying process rushed?

Thanks all for the responses. The seller agreed to give us additional time to review the contracts. We also consulted an attorney friend of ours on a few items. We were prepared to walk away if they didn't give us more time, but it didn't come to that after all.
by topper1296
Fri Aug 12, 2022 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: New construction home buying process rushed?
Replies: 14
Views: 1559

Re: New construction home buying process rushed?

Thanks all for the responses. The seller agreed to give us additional time to review the contracts. We also consulted an attorney friend of ours on a few items. We were prepared to walk away if they didn't give us more time, but it didn't come to that after all.
by topper1296
Thu Aug 11, 2022 7:19 am
Forum: Personal Finance (Not Investing)
Topic: New construction home buying process rushed?
Replies: 14
Views: 1559

New construction home buying process rushed?

My fiancée and I are buying our first home together. We currently live in the townhouse I bought over 15 years ago that is completely paid for, so we aren't in a rush to buy, but will move if we find a new home we like. Keeping the story short. We looked a model home last weekend for the second time and we are ready to move forward. The selling agent sent us and our (buyer) agent a blank contract and other docs to look over on Monday. We had a lot of questions that have been answered. We decided to continue moving forward. Last night the final documents were send to us. It was 20 pages longer than the "blank" contract sent on Monday (52 pages vs 32 pages). I don't know if it is our agent or the selling agent, but we feel rushed to...
by topper1296
Mon Jul 25, 2022 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Official HELOC (Home Equity Line of Credit) thread
Replies: 180
Views: 29045

Re: Official HELOC (Home Equity Line of Credit) thread

bornto2 wrote: Mon Jul 25, 2022 7:54 am Third Federal Update:
Despite language on their website to the contrary, Third Federal does not offer HELOCs on non-primary residences. This change went into effect April 2022 according to the representative.
Per my post from above, I found this out the hard way with US Bank.
by topper1296
Sun Jul 24, 2022 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Official HELOC (Home Equity Line of Credit) thread
Replies: 180
Views: 29045

Re: Official HELOC (Home Equity Line of Credit) thread

My plan was to use a HELOC from my current primary residence that is complete paid for as a down payment on a new primary residence that I would move into and then turn my current paid off place into a rental using a property manager that I would hire. I stated my intentions on the first email to a loan officer at US Bank. US Bank had me go thought the entire process of doing a hard inquiry credit check and uploading documents (I was asking for an amount of ~40% of the property value). Just a couple days ago, US Bank declined my HELOC request because they won't do a HELOC on a residence that will be used as a rental. If this is their policy, why have me go through the process when I stated my intention upfront? I'm pretty turned off with US...
by topper1296
Fri Jul 22, 2022 8:59 am
Forum: Personal Consumer Issues
Topic: Best Type of Floor for Basement?
Replies: 29
Views: 3242

Re: Best Type of Floor for Basement?

investuntilimrich wrote: Thu Jul 21, 2022 9:32 pm Moisture has a way of finding its way into basements eventually.
Agreed. I'd stick with concrete and then just use some large area rugs as needed/wanted. Easy to throw out if needed.
by topper1296
Fri Jul 15, 2022 5:17 pm
Forum: Investing - Theory, News & General
Topic: Quicken new Schwab and Chase downloading protocol
Replies: 18
Views: 2378

Re: Quicken new Schwab and Chase downloading protocol

viewtopic.php?t=362950

Here is a thread I started when I had issues with Schwab data (it's working fine for me now). I just the hope Chase transition goes better.
by topper1296
Mon Jul 11, 2022 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: LLC for one rental property?
Replies: 39
Views: 4875

Re: LLC for one rental property?

**Old thread revival** I have a similar issue as the OP. I have a townhouse that is completely paid for and I am thinking about renting it out and using the rental income to help with monthly mortgage on a new primary residence. I would also like use the paid off townhouse to obtain a HELOC to use for the down payment on the new primary resident that I will in. I am wondering if I should set up an LLC where I would be the sole proprietor of the LLC for the rental property. I realize there would be extra paperwork involved, separate bank account to set up/maintain and an annual refiling fees, but those are not my main concerns. Below is what I'm wondering. -Do banks give HELOC loans if the property in an LLC (the property would go from my pr...
by topper1296
Thu Jul 07, 2022 7:57 am
Forum: Investing - Theory, News & General
Topic: US vs Int stock allocation
Replies: 462
Views: 38698

Re: US vs Int stock allocation

burritoLover wrote: Thu Jul 07, 2022 7:42 am 0-40% international is the consensus here. :twisted:
This.

Personally, I've gone with the mid-point at 20%.
by topper1296
Tue Jul 05, 2022 8:47 am
Forum: Investing - Theory, News & General
Topic: 20% increase in Morningstar premium rate - Are you kidding me?
Replies: 27
Views: 1824

Re: 20% increase in Morningstar premium rate - Are you kidding me?

Hockey10 wrote: Fri Jun 03, 2022 10:20 am I dropped the premium subscription a couple of years ago. I still use the Portfolio Manager tool to see all of my investments in one spot. I don't miss the premium version.
I also use the free Portfolio Manager, however now M* is saying that the service will be retired for basic (free) users in the coming months and you have to get a subscription to continue using it. I've been using a spreadsheet for years to track my individual stocks with data from M*. I've already started revamping my spreadsheet to get my data from a different source.
by topper1296
Fri Jun 24, 2022 1:53 pm
Forum: Investing - Theory, News & General
Topic: What's the deal with dividend funds?
Replies: 439
Views: 31864

Re: What's the deal with dividend funds?

So you get the dividend and price appreciation outperformance as well. https://i0.wp.com/earlyretirementnow.com/wp-content/uploads/2019/02/SWR-Part29-Chart01a-1.png?resize=863%2C575&ssl=1 You are at least somewhat on team "left graph" apparently per the quoted statement? Dividends are fine as a preference. And they are surely significant as a component of total return for stocks. But if you think beating the market on a total return basis is just as simple as "invest in stocks with dividends", seems like SPIVA would look better given the availability of such an easy to implement active strategy? Something doesn't add up here. :oops: https://static.seekingalpha.com/uploads/2020/12/8/52820996-1607460830181161_origin.p...
by topper1296
Fri Jun 24, 2022 7:38 am
Forum: Personal Investments
Topic: 401k Increased Stable Funds Allocation
Replies: 8
Views: 946

Re: 401k Increased Stable Funds Allocation

I'll echo what others have said that you're being too conservative for your age. 100% or 80/20% may be too much for your risk tolerance and there is nothing wrong with that, so maybe try 70%/30% to split the difference.
by topper1296
Wed Jun 22, 2022 7:53 am
Forum: Personal Consumer Issues
Topic: Lexus IS350 vs Mercedes C-Class
Replies: 82
Views: 7501

Re: Lexus IS350 vs Mercedes C-Class

I'd also go Lexus between those two for reasons already mentioned and I'd also consider Acura and maybe Infiniti as well.
by topper1296
Sun Jun 19, 2022 1:34 pm
Forum: Investing - Theory, News & General
Topic: What's the deal with dividend funds?
Replies: 439
Views: 31864

Re: What's the deal with dividend funds?

gougou wrote: Sun Jun 19, 2022 1:24 pm
Tamalak wrote: Sun Jun 19, 2022 1:16 pm
But if that same company distributes earnings in the form of buybacks, not dividends, then does it produce any value at all in its 100 years?
If the company buys back 5% of its stocks every year, you could sell 5% of your holdings every year and still own the same percentage of the business. You are effectively getting 5% yield.
What if you still need money after 20 years once the entire position was sold at yearly 5% increments?
by topper1296
Sun Jun 19, 2022 12:51 pm
Forum: Personal Consumer Issues
Topic: As summer electric bills go up, has anyone invented an air conditioner that doesn't use as much electricity?
Replies: 133
Views: 14270

Re: As summer electric bills go up, has anyone invented an air conditioner that doesn't use as much electricity?

H-Town wrote: Sat Jun 18, 2022 4:32 pm
Cheez-It Guy wrote: Sat Jun 18, 2022 4:09 pm Yes, a fan.
lol this

I keep it 84 degree. Fan can go a long way.

But I’m used to summer heat. It’s just a way of life around here.
Not 84, however we keep ours set to 78 during the day and then drop down to 75 at night since we sleep better in a cooler room. And yes, we also have ceiling fans.

Not directly related to the AC, however a programable thermostat that can adjust for the times nobody is home are good to reduce the electric bill.
by topper1296
Mon Jun 13, 2022 7:10 am
Forum: Non-US Investing
Topic: Time to short bonds and buy commodities?
Replies: 37
Views: 4620

Re: Time to short bonds and buy commodities?

Personally, I shortened the duration of my bonds funds and moved some of my equity allocation from S&P 500 index to VG Equity Income. I don't usually do actively managed funds, however the exp ratio is low and it has a great track record. I'm just going to trust the fund managers will overweight and underweight the correct sectors based on an environment of rising rates and inflation. I usually have a small allocation to gold and I've added a little to that as well. I'm okay with making some small tweaks here and there in my allocation depending on the environment, but I don't do anything major.
by topper1296
Thu Jun 02, 2022 10:52 pm
Forum: Investing - Theory, News & General
Topic: Owning different ETFs tracking same index?
Replies: 3
Views: 413

Owning different ETFs tracking same index?

Hypothetically speaking, if you wanted to buy the S&P index using an ETF...is there any reason to own more than one tracking the same exact index? Would it be a form of risk management to own both IVV and VOO for example at the same time? They both track the same index, but the EFTs are with different companies (Blackrock and VG). What if Blackrock was hacked, but VG wasn't or vise versa as an example. Are there any advantages (or disadvantages) of doing this or is it just adding another position to track with no added benefit?
by topper1296
Sun May 29, 2022 7:59 pm
Forum: Investing - Theory, News & General
Topic: Are there many people with financial industry backgrounds on Bogleheads?
Replies: 106
Views: 14185

Re: Are there many people with financial industry backgrounds on Bogleheads?

My BS is in personal financial planning (it fulfilled the educational requirements for the CFP examination at the time) and spent about 10 years working in custody and trust income, insurance operations (picked up the FLMI designation at the time) and as a loan officer, however I left the finance industry behind about 20 years ago to work in finance in a different unrelated industry.
by topper1296
Sat May 21, 2022 10:27 am
Forum: Investing - Theory, News & General
Topic: Has Vanguard Lost Its Way? [White Coat Investor]
Replies: 84
Views: 15237

Re: Has Vanguard Lost Its Way? [White Coat Investor]

Vanguard the fund company? Great. Vanguard the brokerage? Horrible. You can get the best of both worlds by buying Vanguard ETFs at Fidelity or Schwab. Vanguard's constant tech issues, long hold times, reliance on paper forms, and awful customer service are simply inexcusable in this day and age. Low cost, portable ETFs have commoditized the brokerage industry, and Vanguard is trying to compete. The problem is they don't know how to do it. They haven't lost their way, they've simply became complacent when they were the only game in town to offer low cost investing and are far behind the curve in adapting to this new era of investing. If they get their act together at some point, I can always transfer my holdings back in. The only reason peo...
by topper1296
Thu May 19, 2022 7:04 am
Forum: Investing - Theory, News & General
Topic: Permanent Portfolios
Replies: 39
Views: 4589

Re: Permanent Portfolios

Phyneas wrote: Wed May 18, 2022 11:15 pm
topper1296 wrote: Wed May 18, 2022 9:35 pm I'm a fan of gold for "portfolio insurance"/geopolitical hedge reasons, however I don't have nearly as big of an allocation in it as the permanent portfolio/golden butterfly (I'm closer to 5%). I've also checked into other alternative assets and most of the them have pretty high expense ratios. $MNA (merger arb ETF) is okay at 0.77%, GNR (global natural resources ETF) is at 0.40% and GLDM is at 0.10% (this is what I use for gold).
Isn't GLDM's MER 0.18% Otherwise I need to sell my SGOL immediately.
I'm seeing 0.10%.

https://www.ssga.com/us/en/individual/e ... trust-gldm
by topper1296
Wed May 18, 2022 9:35 pm
Forum: Investing - Theory, News & General
Topic: Permanent Portfolios
Replies: 39
Views: 4589

Re: Permanent Portfolios

I'm a fan of gold for "portfolio insurance"/geopolitical hedge reasons, however I don't have nearly as big of an allocation in it as the permanent portfolio/golden butterfly (I'm closer to 5%). I've also checked into other alternative assets and most of the them have pretty high expense ratios. $MNA (merger arb ETF) is okay at 0.77%, GNR (global natural resources ETF) is at 0.40% and GLDM is at 0.10% (this is what I use for gold).
by topper1296
Fri May 06, 2022 11:34 am
Forum: Investing - Theory, News & General
Topic: The Diversification Value of Alternatives
Replies: 90
Views: 10889

Re: The Diversification Value of Alternatives

I have ~15% in alternative assets between REITS, gold and natural resources. I've thought about adding 5% into alt investment styles like long/short or merger/arb or something like that, but the exp ratios on those are generally pretty high.
by topper1296
Wed Apr 20, 2022 10:09 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 5973
Views: 689993

Re: [What TV Show Have You Recently Watched?]

We just started on Amazon Prime's Reacher that came out Feb 22. It's a great thriller based on the book series and there will be a season 2. There were also two Reacher movies several years ago that started Tom Cruise but I haven't seen either one of those to see how it compares to the Prime series.
by topper1296
Mon Apr 18, 2022 4:45 pm
Forum: Personal Investments
Topic: Bond Index fund (WACPX) vs Stable Value Fund (2.75%)
Replies: 8
Views: 1150

Re: Bond Index fund (WACPX) vs Stable Value Fund (2.75%)

I moved about half of the bonds from my 401k into stable value since the stable value has a higher yield.
by topper1296
Mon Apr 18, 2022 4:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe Currently Recommending "Alternatives"
Replies: 146
Views: 22278

Re: Larry Swedroe Currently Recommending "Alternatives"

Not very exotic, but my alternatives are a REIT ETF, natural resources ETF and a gold ETF. I checked into some of the more exotic ones, but the exp ratios were too high for my taste.
by topper1296
Thu Mar 31, 2022 7:14 am
Forum: Personal Consumer Issues
Topic: Google Pixel 6. Opinions?
Replies: 59
Views: 6236

Re: Google Pixel 6. Opinions?

I've had iPhones, Samsung Galaxy phones and now I have a Pixel 6. Overall, it's a great phone, but the fingerprint reader can be pain. The camera on it is amazing if you take a lot of pics, it has great battery life and there are some learning curve issues moving from one Android to another, but I recommend it. I may edit this post later to comment more.
by topper1296
Sun Mar 06, 2022 10:41 am
Forum: Personal Investments
Topic: do I need a money manager after $1 million?
Replies: 157
Views: 18095

Re: do I need a money manager after $1 million?

I haven't read all of the other responses, however count me as another no. Having said that, there is nothing wrong seeking advice in other areas like estate planning once you reach a certain level.
by topper1296
Thu Feb 24, 2022 6:38 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 5973
Views: 689993

Re: [What TV Show Have You Recently Watched?]

Schitt's Creek +1 and I added Schitt's Creek to my personal "Mt Rushmore" of comedies which is a very select list for me. One of the best things about the show is that I felt emotionally connected to the characters which is something I can't say about hardly any other comedy. Which begs the obvious question ... what other comedies belong on your personal "Mt. Rushmore"? Fair question and in no particular order. I also realize this list might be heavily influenced by how old you are. Doubt many from Gen Z has ever heard of the original Roseanne and Frasier and their list would probably look a lot different that mine. :D Frasier Seinfeld Modern Family Friends The Big Bang Theory Schitt's Creek Roseanne The Office, Parks a...
by topper1296
Tue Feb 22, 2022 8:07 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 5973
Views: 689993

Re: [What TV Show Have You Recently Watched?]

IvanW wrote: Mon Feb 21, 2022 5:19 pm
topper1296 wrote: Tue Feb 15, 2022 8:56 am
itispossible wrote: Sun Feb 13, 2022 5:17 pm Schitt's Creek
+1 and I added Schitt's Creek to my personal "Mt Rushmore" of comedies which is a very select list for me. One of the best things about the show is that I felt emotionally connected to the characters which is something I can't say about hardly any other comedy.
Which begs the obvious question ... what other comedies belong on your personal "Mt. Rushmore"?
Fair question and in no particular order. I also realize this list might be heavily influenced by how old you are. Doubt many from Gen Z has ever heard of the original Roseanne and Frasier and their list would probably look a lot different that mine. :D

Frasier
Seinfeld
Modern Family
Friends
The Big Bang Theory
Schitt's Creek
Roseanne
by topper1296
Tue Feb 15, 2022 8:56 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 5973
Views: 689993

Re: [What TV Show Have You Recently Watched?]

itispossible wrote: Sun Feb 13, 2022 5:17 pm Schitt's Creek
+1 and I added Schitt's Creek to my personal "Mt Rushmore" of comedies which is a very select list for me. One of the best things about the show is that I felt emotionally connected to the characters which is something I can't say about hardly any other comedy.
by topper1296
Wed Jan 26, 2022 7:53 am
Forum: Personal Consumer Issues
Topic: TV Upgrade and 4k
Replies: 69
Views: 6556

Re: TV Upgrade and 4k

I know you're asking about the TV, but don't forget the sound. I bought a Dolby 5.1 surround sound system (Denon receiver and Klipsch speakers) and it makes a world of difference. IMO, 7.1 surround sound isn't worth it, but 5.1 is (law of diminishing returns). The small speakers just sit on end tables and don't take up a lot of room.

Like the OP is wanting to do, I upgraded my TV and sound during the height of the pandemic since I was spending more time at home and the upgraded sound made a much bigger difference to me over the upgraded TV in my viewing experience for movies and sports.
by topper1296
Fri Jan 21, 2022 11:07 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 3606
Views: 562297

Re: Post your Financial Milestone Announcements Here

Arron Duncan wrote: Wed Jan 19, 2022 5:01 pm just hit $100k total saved this month very happy
Congrats! The first $100k is the hardest IMO.
by topper1296
Mon Dec 27, 2021 2:20 pm
Forum: Personal Investments
Topic: percentage of Bonds in 2022
Replies: 26
Views: 3128

Re: percentage of Bonds in 2022

I'm not changing my allocation, however I would consider shortening the duration a little.
by topper1296
Mon Nov 29, 2021 10:11 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 362
Views: 53933

Re: What is your favorite reasonably priced bourbon?

I haven't been able to find it in Nashville where I live, but I went home for Thanksgiving and was able to find Buffalo Trace. I bought two bottles and it's a great sipper at a reasonable price (if you can get at or near retail price).
by topper1296
Tue Nov 23, 2021 7:08 pm
Forum: Personal Investments
Topic: Quicken/Schwab connection issues?
Replies: 15
Views: 1991

Re: Quicken/Schwab connection issues?

I just saw a notification dated 11/23 from Quicken that they found the issue and a patch (R36.45) to fix the issue is supposed to go out in a few days.

Hope this works.
by topper1296
Mon Nov 22, 2021 8:27 pm
Forum: Personal Investments
Topic: Quicken/Schwab connection issues?
Replies: 15
Views: 1991

Re: Quicken/Schwab connection issues?

Any other Quicken users on here having issues with Schwab? I've spent hours trying to fix this mess and it still isn't working and the instructions on the Quicken page are worthless. I have 3 accounts with Schwab and Quicken has now doubled some of the accounts and sometimes it won't recognize at least one account. No online balances are being shown. What a mess. It now works! I also had problems over the weekend and this morning. This evening > I deactivated my Schwab accounts (brokerage and checking) in Quicken > Ran One Step Update > When one step update completed and the Update Summary windows appeared THIS TIME an entry for Charles Schwab appeared in the Summary windows along with a REAUTHORIZE button Clicking REAUTHORIZE which presen...
by topper1296
Mon Nov 22, 2021 9:11 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 5973
Views: 689993

Re: [What TV Show Have You Recently Watched?]

Just finished episode 2 of Tiger King season 2 (there are only 5 episodes). This season has a completely different feel and focus (more of a where are they now and what happened to Carol's missing husband) and there is a chance that Netflix will have to pull the content depending on the result of a pending lawsuit (Carol Baskin has sued Netflix). Hoping to get thru the rest of the season in the next couple days.
by topper1296
Sun Nov 21, 2021 11:24 am
Forum: Personal Investments
Topic: Quicken/Schwab connection issues?
Replies: 15
Views: 1991

Quicken/Schwab connection issues?

Any other Quicken users on here having issues with Schwab? I've spent hours trying to fix this mess and it still isn't working and the instructions on the Quicken page are worthless. I have 3 accounts with Schwab and Quicken has now doubled some of the accounts and sometimes it won't recognize at least one account. No online balances are being shown. What a mess.
by topper1296
Fri Nov 19, 2021 8:36 am
Forum: Personal Investments
Topic: what are good low dividend funds for taxable accounts?
Replies: 32
Views: 3568

Re: what are good low dividend funds for taxable accounts?

The yield on VUG (VG Growth index) is less than half of the S&P 500.
by topper1296
Tue Nov 16, 2021 9:59 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation for a 400 year investment horizon?
Replies: 81
Views: 8270

Re: Asset allocation for a 400 year investment horizon?

I'll play. 50% farm land, 40% world stock index, 10% gold.

Lot of companies can come and go over that time horizon, but farm land and gold will still be around.
by topper1296
Fri Nov 12, 2021 11:38 am
Forum: Personal Investments
Topic: Why Bonds?
Replies: 64
Views: 4470

Re: Why Bonds?

why bonds....stability.
by topper1296
Sat Oct 23, 2021 6:16 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 78
Views: 9948

Re: Planet Fitness etc.,

40 Years' Gatherin's wrote: Sat Oct 23, 2021 6:03 pm
MDfan wrote: Sat Oct 23, 2021 6:04 am PF around here is complete garbage. Dirty, broken equipment, etc. I pay more than double for LA Fitness but it is well worth it. And I have my Hydrow at home.
My experience is the complete opposite. My PF is clean and all the equipment is nearly like-new. LA Fitness sounds like a gym for posers.
The PF I go to in Nashville will be shutting down a few days in a couple days to replace all of the equipment with new stuff. My biggest complaint is finding an open rack or bench to use because it's so busy.
by topper1296
Thu Oct 21, 2021 10:23 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 271
Views: 55344

Re: Costco rotisserie chicken

This is one of the bet threads ever on here. :D
by topper1296
Tue Oct 12, 2021 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Does a condo ever make more sense than a house?
Replies: 81
Views: 9403

Re: Does a condo ever make more sense than a house?

Condos are most common in larger, prosperous cities with dynamic job markets. Experiment says they make sense for a lot of people. Whether good for OP depends on the economic and housing geography where he works. Condos often offer better commutes, more local businesses, and less or no maintenance. SFHs offer more space, claimed "freedom", and maybe, just maybe, better appreciation. A 1BR may not be the best choice. 2BR costs more but has more long-term usefulness, especially if a relationship is in the future. Even if eventually there will be a move it provides a considerable buffer in time. And then there is the in-between option of townhouses. This is the route I took and, overall, I've been very happy making this my "sta...