Search found 31 matches

by trumpet83
Fri Aug 09, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9926

Re: Critique my exercise routine because it's not working for me

Personal Trainer and natural bodybuilding pro for what that’s worth. Here’s my take: Your routine is reasonable. Of course, there are always ways to make improvement but odds are that you are just eating at maintenance calories. Without getting into macronutrients, I would just try cutting your tota...
by trumpet83
Sun Jun 09, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 6613

Re: lawn care cost

@dmk395 is right... Roughly a dollar a minute puts you in the ballpark of what mowing, trimming and blowing will cost. I have ran a small, solo operation for 6 years where I maintain about 15 lawns during summer break as a teacher. When I have tried to enlist help it cuts into the profits very quick...
by trumpet83
Wed Dec 19, 2018 6:35 am
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 8440

Re: 457 vs 403b

I’m a teacher so I have a 403 and 457 plus a state pension I pay into. Assuming this is the kind of arrangement you are referring to, these accounts don’t affect the pension at all. Everyone in the district pays into the pension at the same percentage and results will be the same. If anything, I thi...
by trumpet83
Sun Dec 09, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 8440

Re: 457 vs 403b

I wonder if there is a difference in how the salespeople are compensated. Really, I would have had no idea that Fidelity was even an option for the 403b in my district because there's always some guy from Valic/AXA/ING in there with "free donuts" wanting to talk about 403b's. I had to look into thin...
by trumpet83
Sun Dec 09, 2018 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 191
Views: 30673

Re: Teachers Who Have Net Worth of $1 million +

I'm a teacher in Maryland and my county tops out around 90k. Our job security is as high as one could hope for and our health insurance is second to none. Although I would consider it a high-burnout type job I definitely think when you step back and look at the overall lifestyle we have a really goo...
by trumpet83
Sat Oct 20, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 13872

Re: What time do you get up in the morning?

Go to sleep about 9pm and wake up at 5am whether it's a weekday or weekend. Generally, I feel best when I keep that schedule.
by trumpet83
Sat Sep 08, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan payoff help
Replies: 19
Views: 2097

Re: Student loan payoff help

We had about 43k of Nelnet loans and paid them off in about 2 years making around 100k. You can probably do it a whole lot faster depending on budget margin. I know you can wait on the Loan Forgiveness programs, but I’m glad we didn’t. Just put your nose to the grindstone and get the damn things ove...
by trumpet83
Sun Aug 19, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 191
Views: 30673

Re: Teachers Who Have Net Worth of $1 million +

I'm a teacher, but not retired. I started in 2006 and I'm still under the 80% of average of top 3 years wages pension agreement. When I calculate net worth I don't try to calculate the value of that future pension, but it should count for something. That's roughly 10% of my wages that go toward savi...
by trumpet83
Thu Aug 16, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 9438

Re: Any Boglehead powerlifters?

Wow, there are some really good lifters on this thread! I've never competed in powerlifting, but I've done 9 bodybuilding shows. 7 throughout college, culminating in a win of a "Natural" Pro card and then last year I won a Physique competition that earned pro status in that classification as well. L...
by trumpet83
Sat Aug 04, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1987

Re: Land Purchase Possible or Forget About It?

@Grt2bOutdoors, SilkMcCue, and Shallowpockets ....thank you all for your advice. I haven't sent the letter I wrote with the offer yet, so maybe I don't wind up doing it in that form where I maybe look like I want it too much. One positive is that if the interest really heats up I imagine the buyer w...
by trumpet83
Fri Aug 03, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1987

Re: Land Purchase Possible or Forget About It?

Yes, but it is partially wooded and would need to be cleared for the buyer to access it without coming onto my parent's property. They haven't been able to do anything with this land because it is considered to be in a wetlands area. Clearing requires permits, red tape, and money. The county may not...
by trumpet83
Fri Aug 03, 2018 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1987

Re: Land Purchase Possible or Forget About It?

@not4me, I haven't been able to find any property tax information because there isn't a street address. I guess I would have to go to a library and look at land ownership maps. I can't find that online so far. The one potential buyer is a guy, about 70, who needed to use my dad's driveway to ask him...
by trumpet83
Thu Aug 02, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1987

Re: Land Purchase Possible or Forget About It?

Oh, and no, we don't have kids and aren't planning to. The other option I've considered is to just keep Bogle-heading along....lose the battle, but win the war by continuing to just save and invest and then swoop back in and buy the whole thing once we are further down this path. So, even if I didn'...
by trumpet83
Thu Aug 02, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1987

Re: Land Purchase Possible or Forget About It?

Thank you all... Yes, the land my wife and I am on was deeded to us by my parents about 5 years ago before we were married. I have one brother, but he didn't want to stay here to live although the expectation is that my parent's house would be shared between us should something happen. Where my hous...
by trumpet83
Thu Aug 02, 2018 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1987

Re: Land Purchase Possible or Forget About It?

@ il0kin, corn18 Thank you very much for your input. @il0kin, yes, I've had success bowhunting it. I see lots of deer and some big ones mixed in. To get around the river the deer to the other side of the parkland they basically have to walk through our area to get there. So, it's a pinch-point that ...
by trumpet83
Wed Aug 01, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1987

Re: Land Purchase Possible or Forget About It?

Thank you very much for the replies...@lthenderson, I'm glad you are kind of validating my thought process. @researcher, yes I guess you are correct. This would be a significant portion of my little bit of assets at this point. If they were asking a more "swamp-land-ish" price I would just buy it an...
by trumpet83
Wed Aug 01, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1987

Land Purchase Possible or Forget About It?

My wife and I live on a house we built on land given to us by my parents. My parents live behind us on about 4 acres, about 3 of that is wooded. Behind their lot are three 2 acre lots that are wooded and considered "wetland" that backs up to what is now park-land. The 3 owners behind my parents are ...
by trumpet83
Sat Jun 09, 2018 3:26 pm
Forum: Personal Investments
Topic: Choosing Between These Funds...
Replies: 4
Views: 615

Re: Choosing Between These Funds...

@mega317, The other account is a 403b. Fidelity gives me a LOT of options in that account though, so I could easily do my Bond holdings there and skew this account more toward equities since that's where it offers the strongest choices. @FOGU, Thank you for making the point about Institutional Share...
by trumpet83
Sat Jun 09, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Podcasts for Bogleheads?
Replies: 32
Views: 8622

Re: Podcasts for Bogleheads?

+1 for The Dough Roller and Radical Personal Finance. Another good one is the Mad Fientist Podcast.
JL Collins also has a good episode on Google Talks.
by trumpet83
Sat Jun 09, 2018 10:30 am
Forum: Personal Investments
Topic: Choosing Between These Funds...
Replies: 4
Views: 615

Choosing Between These Funds...

Hi All, I am trying to put together a portfolio using the following options and hoping more experienced Bogleheads might share their thoughts. Target Date Funds American Funds Retirement 2010-2060. (My intended date would probably be 2040). Most expense ratios that I see are in the .4's. Internation...
by trumpet83
Mon Jun 04, 2018 5:58 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 34149

Re: The Side Hustle

I am an Elementary School Physical Education teacher, so with having summers off I've done several things. A few years ago during the process of building our home I was trying to cash flow as much as possible, so I started my first business: Custom Fitness Plans. I was writing workout and nutrition ...
by trumpet83
Fri Jun 01, 2018 11:15 am
Forum: Personal Investments
Topic: To Consolidate or Not to Consolidate
Replies: 2
Views: 318

To Consolidate or Not to Consolidate

Hi everyone, In one of my last posts another Boglehead suggested a 457b as an investing option to look into and it turned out to be an eye-opener because it seems most suited to me and yet I knew nothing about it. I am a teacher who has a 403b, but I like the idea that the 457b gives you access to t...
by trumpet83
Wed Apr 18, 2018 8:06 pm
Forum: Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 21
Views: 3345

Re: Bonds vs. Fixed/Guaranteed Income

Thank you, everyone... @ dbr and Aristotelian...Excellent, that's really what I wanted to hear from people more savvy than myself. I was basically trying to figure out where the threshold would lie for you all where you would take the fixed as opposed to taking the bonds. It seems like you are all i...
by trumpet83
Wed Apr 18, 2018 9:49 am
Forum: Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 21
Views: 3345

Re: Bonds vs. Fixed/Guaranteed Income

Ok, thank you. In those terms I could keep this account in fixed value since another plan I have doesn't even offer Fixed Interest so I have all my entire bond allocation in Fidelity's Total US Bond Index (FSITX).
by trumpet83
Wed Apr 18, 2018 8:49 am
Forum: Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 21
Views: 3345

Re: Bonds vs. Fixed/Guaranteed Income

Hmm, well I was thinking in terms of if I was going to choose just one of them. My thought process was that if a bond could potentially bring a negative return wouldn't you stand a good chance of making out in the long run just by putting it into the thing that will definitely give a fixed 2.52%? I ...
by trumpet83
Tue Apr 17, 2018 9:03 pm
Forum: Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 21
Views: 3345

Bonds vs. Fixed/Guaranteed Income

Hi everyone, How do you decide whether a fixed rate of income is high enough to avoid risk in the bond market? I have these options available in an employer tax deferred plan: PIMCO Foreign Bond Fund (US-Dollar Hedged, Institutional Class) PIMCO Total Return Fund (Institutional Shares) Vanguard Infl...
by trumpet83
Mon Apr 16, 2018 3:22 pm
Forum: Personal Investments
Topic: Starting Taxable Account vs. Increasing 403b
Replies: 17
Views: 1966

Re: Starting Taxable Account vs. Increasing 403b

Can you retire full benefits after 30 years on MD? Asking because I am jealous. Ohio now requires to teach to 60 and 35 years. If I retired at 30 I would get half of what I get at age 60. I love teacing, but I wish I had the option to retire with full benefits sooner. They recently started what is ...
by trumpet83
Sun Apr 15, 2018 8:20 pm
Forum: Personal Investments
Topic: Starting Taxable Account vs. Increasing 403b
Replies: 17
Views: 1966

Re: Starting Taxable Account vs. Increasing 403b

Are you considered a Maryland state employee? Probably not if you work for a K-12 school district. But if you do work for the state, the Maryland 457 (Deferred Compensation Plan) is a good one for you even though it is administered by Nationwide. Although they are the record keeper and administrato...
by trumpet83
Sun Apr 15, 2018 11:58 am
Forum: Personal Investments
Topic: Starting Taxable Account vs. Increasing 403b
Replies: 17
Views: 1966

Re: Starting Taxable Account vs. Increasing 403b

Thank you all very much for the input. Regarding some of the specific clarification questions... 1. We do have access to a 457b, but there is only one provider available: Nationwide Retirement Solutions. From what I know, Nationwide is primarily an insurance company which is usually a sign of high f...
by trumpet83
Sat Apr 14, 2018 11:04 am
Forum: Personal Investments
Topic: Starting Taxable Account vs. Increasing 403b
Replies: 17
Views: 1966

Re: Starting Taxable Account vs. Increasing 403b

Thank you for the reply. I'm 34. My wife is 31. No children. Six months of spending is right about 20K for us and we are at 17K. Of course, I wouldn't add a taxable account until this crosses that threshold. We keep checking accounts for our short term inflow and outgo, but use a Synchrony account f...
by trumpet83
Sat Apr 14, 2018 5:13 am
Forum: Personal Investments
Topic: Starting Taxable Account vs. Increasing 403b
Replies: 17
Views: 1966

Starting Taxable Account vs. Increasing 403b

Hi everyone, The decision I'm trying to make that I am hoping some of you would share your knowledge about has to do with whether I should open a Taxable Account or simply increase my 403b contributions. Over the past two years my wife and I have paid off about $45K in student debt. During this time...