Search found 72 matches

by g2morrow
Thu Oct 24, 2019 1:19 pm
Forum: Personal Investments
Topic: Emergency Fund - why not VTSAX?
Replies: 52
Views: 4756

Re: Emergency Fund - why not VTSAX?

just my opinion but its fine to use VTSAX as your emergency fund - just have 2X the amount and recognize the sequence of return risk
by g2morrow
Wed Oct 09, 2019 7:46 am
Forum: Investing - Theory, News & General
Topic: INTERNATIONALS 20% of Equities or 20% of Portfolio?
Replies: 57
Views: 3582

Re: INTERNATIONALS 20% of Equities or 20% of Portfolio?

IMHO it was 20% of your equities - personally i have 10% of equities international
by g2morrow
Wed Oct 09, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Downdraft ventilation system
Replies: 11
Views: 973

Re: Downdraft ventilation system

downdrafts are generally inefficient and expensive. After doing a lot of research we decided just to skip the downdraft and get a 5 burner stovetop. Don't miss the downdraft at all.
by g2morrow
Mon Sep 30, 2019 8:59 am
Forum: Personal Investments
Topic: Vanguard has almost no funds with $1k minimums??
Replies: 24
Views: 1749

Re: Vanguard has almost no funds with $1k minimums??

I'm in the exact same boat - my son is putting in $1500 this year into a TDF then next year another $1500 and hopefully be able to exchange it all into VTSAX.
by g2morrow
Thu Sep 19, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Long Term FAFSA/College Strategy
Replies: 150
Views: 8708

Re: Long Term FAFSA/College Strategy

Grt2bOutdoors wrote:
Wed Sep 18, 2019 7:13 pm
Start funding a 529 plan, now. You aren't getting any financial aid other than loans.
+1 this is all you need to know
by g2morrow
Wed Sep 18, 2019 12:06 pm
Forum: Personal Investments
Topic: Roth and Roth401k limits?
Replies: 10
Views: 884

Re: Roth and Roth401k limits?

If I contribute the max 25k (over 50) to a Roth401k can i still contribute 7k to a 'traditional' Roth account? (assuming under the income limits of course) Yes you may. In fact if you plan has an after tax feature and supports in place conversion you can go beyond that in a ROTH space. thanks, now ...
by g2morrow
Tue Sep 17, 2019 7:25 am
Forum: Personal Investments
Topic: Roth and Roth401k limits?
Replies: 10
Views: 884

Re: Roth and Roth401k limits?

There are indeed limits on deductibility of traditional IRA contributions if a retirement plan (e.g., 401k) is available at work): https://www.irs.gov/retirement-plans/2019-ira-deduction-limits-effect-of-modified-agi-on-deduction-if-you-are-covered-by-a-retirement-plan-at-work. This means many peop...
by g2morrow
Tue Sep 17, 2019 7:23 am
Forum: Personal Investments
Topic: Roth and Roth401k limits?
Replies: 10
Views: 884

Re: Roth and Roth401k limits?

From my understanding, if you have a 401k available at work, you're not eligible to take deductions to contributions made to a traditional IRA Why not? One can contribute the max to pre tax 401k and also Traditional IRA and defer taxes on all of it. Thx, I see that now but I'm over the MAGI If I co...
by g2morrow
Tue Sep 17, 2019 7:05 am
Forum: Personal Investments
Topic: Roth and Roth401k limits?
Replies: 10
Views: 884

Roth and Roth401k limits?

From my understanding, if you have a 401k available at work, you're not eligible to take deductions to contributions made to a traditional IRA but you're still allowed to contribute to a traditional IRA?? IF not, is there any type of restriction with a Roth401k and a 'traditional' Roth account??? If...
by g2morrow
Fri Sep 06, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Best value replacement canned espresso (yes, canned)
Replies: 3
Views: 313

Re: Best value replacement canned espresso (yes, canned)

Medaglia D'Oro Espresso Instant Coffee, 2 Oz costs about $2.40 at Walmart
by g2morrow
Wed Aug 21, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17626

Re: White collars- How much is your work downtime?

Network Engineer - about 50%.
by g2morrow
Fri Aug 09, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to pass on wealth to heirs?
Replies: 30
Views: 3108

Re: What is the best way to pass on wealth to heirs?

I"m just gonna cut to the chase and say the best way to pass on wealth to heirs is while you're still alive. That way you can enjoy giving and give guidance if necessary.
by g2morrow
Mon Jun 24, 2019 6:15 am
Forum: Investing - Theory, News & General
Topic: RIP to value investing...
Replies: 44
Views: 6060

Is value investing dead?

And this is why i don't pick individuals stocks, or value, or growth, or sector, or cap weight, or manager - nobody can predict the future. https://www.cnbc.com/2019/06/21/is-value-investing-dead-it-might-be-and-heres-what-killed-it.html These reasons seem as good as any to explain the past. So is t...
by g2morrow
Fri Jun 21, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 17572

Re: what was your worst major purchase mine is a 2019 mazda3

wife wanted a hot tub - what a waste - I don't think shes been in it for a year.
by g2morrow
Fri Jun 21, 2019 9:25 am
Forum: Personal Investments
Topic: How to add Bonds to portfolio?
Replies: 10
Views: 1035

Re: How to add Bonds to portfolio?

There is no tax consequence if you adjust your 401k account to reduce equities and increase bonds. - If you want to adjust your current 401k balance to hold 30% bonds, you can sell equities and buy bonds. - Direct new 401k contributions to 70% equities and 30% bonds. - Rebalance as necessary due to...
by g2morrow
Fri Jun 14, 2019 9:06 am
Forum: Personal Investments
Topic: Just starting out: Help with AA
Replies: 13
Views: 884

Re: Just starting out: Help with AA

I suggest 100% VTSAX till you have 100k and like other said - work on maximizing your contributions.
by g2morrow
Thu Jun 13, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 690
Views: 69877

Re: Why are your NOT buying rental properties?

bloom2708 wrote:
Wed Jan 16, 2019 2:34 pm
I am not because I don't want a second job.
...
Your numbers are very (very) optimistic and make a bunch of assumptions.
.......
+1
by g2morrow
Fri May 10, 2019 11:44 am
Forum: Personal Investments
Topic: Hedge against the decline of the Realtor profession
Replies: 48
Views: 4550

Re: Hedge against the decline of the Realtor profession

....From what I have heard and seen, it is very likely that real estate agents will face major challenges in the next 5-10 years because of falling commissions and technology.... +1 Having just recently bought a home and selling one, I have come to the conclusion that I'm not quite sure what I am p...
by g2morrow
Thu Apr 25, 2019 12:12 pm
Forum: Investing - Theory, News & General
Topic: Index fund article on Morningstar
Replies: 3
Views: 767

Re: Index fund article on Morningstar

Ferdinand2014 wrote:
Thu Apr 25, 2019 8:49 am
....You get the sense she is trying to walk a tight rope of desperately trying to find a place for active investment choices when the evidence points the other way.
+1
I notice this trend in a lot of blogs, articles and podcasts.
by g2morrow
Fri Apr 19, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Air Purifier for Bedroom?
Replies: 17
Views: 1858

Re: Air Purifier for Bedroom?

I have the Coway and my wife thinks it works well. We have it at the head of our bed, its very quiet. It has an auto feature that will wake you up in the middle of the night if it goes on high. It is less then 3 feet from our heads though. I would buy it again.
by g2morrow
Fri Mar 29, 2019 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7752

Re: Anybody else get a huge tax increase due to SALT deduction changes?

JustSomeGuy155 wrote:
Thu Mar 28, 2019 10:56 pm
Eric76 wrote:
Thu Mar 28, 2019 10:31 pm
Move to Florida. :D
It's an idea, but my income could decrease more than my tax bill. I'd also have to check with all the important people in my life who don't live in Florida :P
Don't worry, they'll come visit you! :D
by g2morrow
Wed Mar 13, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 7210

Re: Should I give more money to a family member?

I am confused. You said your father's direction was to reimburse yourself for your expenses and then split everything 1/3 between the three of you. My understanding of the role of executors is to execute the instructions left by the person who has died. I am not sure that it is your place to change...
by g2morrow
Wed Feb 06, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Intro and Personal Finance Advice
Replies: 55
Views: 5580

Re: Intro and Personal Finance Advice

There's a lot going on here. First, congratulations. Second, go listen to Dave Ramsey. Third, once you get to the investing party of Dave Ramsey, stop and come back here. Good luck!
by g2morrow
Thu Jan 31, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Looking for type of "personalty" test, etc.??
Replies: 25
Views: 1486

Re: Looking for type of "personalty" test, etc.??

the Birkman is another one used
by g2morrow
Wed Jan 16, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57423

Re: John Bogle is dead at 89

RIP - one of the great ones. :(
by g2morrow
Thu Jan 03, 2019 3:09 pm
Forum: Investing - Theory, News & General
Topic: Absurd Adviser Fees!
Replies: 16
Views: 2869

Re: Absurd Adviser Fees!

How fair is it when nearly HALF of a client's 4% withdrawal rate for retirement goes to pay the adviser and the funds they invest in? RIAs are supposed to be fiduciaries and consider all costs. Apparently, that doesn't apply to this adviser's own fee. Edelman Financial Engines This company charges ...
by g2morrow
Thu Jan 03, 2019 11:29 am
Forum: Investing - Theory, News & General
Topic: Absurd Adviser Fees!
Replies: 16
Views: 2869

Re: Absurd Adviser Fees!

If they're charging a management fee, shouldn't they be working for the client and selecting low cost funds? I've just recently gone thru this. Moving my mothers assetts from Edelment to Vanguard. The investments aren't bad. Unnecessarily complicated but not bad. Mostly DFA and Vanguard funds. They...
by g2morrow
Thu Jan 03, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Corvette vs Cayman/Boxster......anyone owned both?
Replies: 57
Views: 5027

Re: Corvette vs Cayman/Boxster......anyone owned both?

I vote for the new mid-engine corvette to be out soon. Otherwise you're corvette will look dated. OR go with the Porsche
by g2morrow
Thu Dec 20, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Company Mass Hiring then put on Overhead
Replies: 9
Views: 1316

Re: Company Mass Hiring then put on Overhead

sounds like you are contracted out to clients and if this is the case, especially with .gov work, its pretty typical. horrible inefficiencies of the .gov trickle down.
by g2morrow
Tue Nov 27, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: Small Value: 15 years of underperforming
Replies: 143
Views: 13301

Re: Small Value: 15 years of underperforming

samsdad wrote:
Thu Nov 22, 2018 7:32 pm
<whispers>
small cap blend!
blend for the win!
by g2morrow
Tue Nov 27, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 5260

Re: So that's why 2-day shipping isn't what I expected!

this is why I canceled 'Prime' - why would I pay for two day shipping if i'm not getting two day shipping??
by g2morrow
Wed Nov 14, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Teaching young folks how to save for retirement
Replies: 27
Views: 2044

Re: Teaching young folks how to save for retirement

The next problem is they are doing away with 401k's and moving toward the gig economy - not sure how the younger generation is going to handle that?
by g2morrow
Mon Nov 12, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 67
Views: 9802

Re: cvt transmissions

We love our 2018 Forester CVT (although we can't speak to its reliability yet). The one comic aspect of its design is the fake shift points they have to program in to placate people who are somehow alarmed by smooth acceleration. Marylander1 I so wish I could get rid of the fake 'shifting' of the C...
by g2morrow
Thu Nov 08, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Add-on Hot water Heat pump
Replies: 12
Views: 1007

Re: Add-on Hot water Heat pump

I know its not what you're looking for but they do make water heaters that use a heat pump - they are waaaay more expensive but make it up for it with the low use cost.
by g2morrow
Wed Oct 31, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 10094

Re: Girlfriend's Student Loans

I took care of my wife's student loans as a wedding present, since I hate debt. She decided she didn't want to stay married not long after marrying, so along with a new car and $5,000 ring, she ended up with no student loans. So even though it's a difficult thing to think about, you might picture h...
by g2morrow
Tue Oct 30, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 10094

Re: Girlfriend's Student Loans

a whole lot going on in this thread - IMHO it sounds like a great deal! she should take you up on the offer, she's got nothing to lose except for crushing debt.
by g2morrow
Tue Oct 09, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: When does a stock become a bond before moving back to a stock again
Replies: 47
Views: 2575

Re: When does a stock become a bond before moving back to a stock again

Other posts WRT how to deal with a pension or SS in asset allocation: https://www.bogleheads.org/forum/viewtopic.php?t=100575 https://www.bogleheads.org/forum/viewtopic.php?t=237007 https://www.bogleheads.org/forum/viewtopic.php?t=134006 If you treat the NPV of a pension or SS as bond, one might be...
by g2morrow
Mon Oct 08, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2388

Re: FAFSA questions

most likely, if you're on this forum, you wont' get anything - but you can always try
by g2morrow
Wed Oct 03, 2018 9:00 am
Forum: Personal Investments
Topic: Bonds... Why do people bother with them. ?
Replies: 71
Views: 7901

Re: Bonds... Why do people bother with them. ?

Whats that old saying?

Stocks make you money and bonds let you keep it.
by g2morrow
Mon Oct 01, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Used Car on Lot for Year and a Half
Replies: 36
Views: 3770

Re: Used Car on Lot for Year and a Half

A car that has been on a lot for that long signals that there is something seriously wrong with the car, the price is WAY too high, or the dealership is very poorly run. Do any of those give you confidence to buy the car? Fleet use, accident, flood, salvage title - there's something wrong with it, ...
by g2morrow
Mon Sep 10, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Run Air Conditioner even if not needed?
Replies: 30
Views: 3191

Re: Run Air Conditioner even if not needed?

Can you turn the fan on separately from the A/C? If so, I would leave the fan running to keep air circulating. My HVAC contractor recommends keeing the fan on all the time during the summer months. Your HVAC contractor doesn't have to pay your electric bill. That fan uses a fair amount of energy --...
by g2morrow
Mon Sep 10, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Run Air Conditioner even if not needed?
Replies: 30
Views: 3191

Re: Run Air Conditioner even if not needed?

Erwin007 wrote:
Sat Sep 08, 2018 12:49 pm
If it’s an apartment, why does it matter?

If I lived in an apartment and didn’t need to run my A/C I wouldn’t. Why incur the extra expense?
+1 if he doesn't own it, why care. Plus is 40 years old?!?!?
by g2morrow
Mon Sep 10, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Decking materials -your thoughts
Replies: 11
Views: 1177

Re: Decking materials -your thoughts

go with IPE or the cedar - both very nice
by g2morrow
Thu Aug 23, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 18367

Re: Good Non-Boring Boglehead Cars Under $30k

I didn't read all 4 pages but I vote for the Mazda MX-5 RF- the 2019 model bumped the HP up to ~180
by g2morrow
Tue Aug 21, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3848

Re: Composite Decking Material

Prudence wrote:
Mon Aug 20, 2018 12:50 pm
Was your IPE wood joined with nails or screws?
Screws - from underneath so the tops have no holes or screws
by g2morrow
Mon Aug 20, 2018 12:15 pm
Forum: Personal Investments
Topic: VTSAX minimum vs IRA maximum
Replies: 9
Views: 987

Re: VTSAX minimum vs IRA maximum

I don't know why people worry about this so much - what the $ difference of one year not in admiral shares of 5500??? 5 bucks? I don't think that's going to keep anyone from retiring. Maybe I'm just looking at it wrong.
by g2morrow
Mon Aug 20, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3848

Re: Composite Decking Material

.....Here’s the alternate. We had just about decided on one of the TREX upgraded products when our contractor brought us some samples and pricing for IPE. IPE is a very hard, dense Brazilian hardwood with a mahogany look to it. And there are several species of it, with varying colors and graining. ...
by g2morrow
Fri Aug 17, 2018 9:23 am
Forum: Personal Investments
Topic: Small cap tilt - value vs. growth
Replies: 25
Views: 3184

Re: Small cap tilt - value vs. growth

if you can't decide - small cap blend
by g2morrow
Thu Aug 16, 2018 12:24 pm
Forum: Personal Investments
Topic: When do you change your IPS?
Replies: 8
Views: 976

Re: When do you change your IPS?

I have a 3 month waiting period as well.