Search found 174 matches

by finfire
Fri Oct 11, 2019 11:26 am
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 42
Views: 3155

Re: Anyone buying PG&E stock?

If you are buying, what do you know that the market doesn't?
by finfire
Thu Oct 10, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Neighbor filming a TV Show
Replies: 71
Views: 3581

Re: Neighbor filming a TV Show

Just curious, what TV show are they filming?
by finfire
Thu Oct 03, 2019 10:57 am
Forum: Personal Investments
Topic: Kids Investment Account
Replies: 30
Views: 2037

Re: Kids Investment Account

Open a bank account. Ally or similar. Your kid will see compounding in action. Involve/Show her your bills and investments as a real-life example of (hopefully) good practices. That's enough for a kid. I think there's more incentive to learn more about finance when she starts earning her own money....
by finfire
Thu Oct 03, 2019 10:55 am
Forum: Personal Investments
Topic: Kids Investment Account
Replies: 30
Views: 2037

Re: Kids Investment Account

Open a bank account. Ally or similar. Your kid will see compounding in action. Involve/Show her your bills and investments as a real-life example of (hopefully) good practices. That's enough for a kid. I think there's more incentive to learn more about finance when she starts earning her own money....
by finfire
Thu Oct 03, 2019 8:51 am
Forum: Personal Investments
Topic: Kids Investment Account
Replies: 30
Views: 2037

Re: Kids Investment Account

Open a bank account. Ally or similar. Your kid will see compounding in action. Involve/Show her your bills and investments as a real-life example of (hopefully) good practices. That's enough for a kid. I think there's more incentive to learn more about finance when she starts earning her own money. ...
by finfire
Wed Oct 02, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 108
Views: 9458

Re: Who has had a pool?

Would not pay for one to be installed. Have a concrete in-ground. Converted it to a salt pool, so maintenance is minimal. Costs are fairly low. We live in Fl. Inland it would be necessary imho. But living by the ocean, no. When we bought house we swam Mar-Oct...we are down to May-Oct. Kids loved it ...
by finfire
Mon Sep 30, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6141

Re: Do you know what your partner spends money on?

Don't go there. It will sound controlling however you put it.

I trust my other half to spend reasonably. If you can't do that, time for a chat.

Budgeting? Just ask every month for credit card balances and if it's high have a quick discussion.
by finfire
Fri Sep 27, 2019 2:06 pm
Forum: Personal Investments
Topic: Merrill Lynch Advisor wants to meet for coffee
Replies: 108
Views: 9238

Re: Merrill Lynch Advisor wants to meet for coffee

I ended up responding with a simple "no, thank you". I eventually decided that I didn't want to waste my time with anything else. He hasn't replied back and I don't think he will. :D You did the right thing. Now he can move on to the next number in the phone book. Good for you. I just bumped into a...
by finfire
Fri Sep 27, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 71
Views: 4165

Re: Do you wash berries?

Oh yes.
by finfire
Fri Sep 27, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Should I sell my BMW
Replies: 48
Views: 3316

Re: Should I sell my BMW

An expensive car for 8K miles/year. Sell and buy a used Pontiac Vibe, then invest the rest.
by finfire
Wed Sep 25, 2019 12:32 pm
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1458

Re: Need review of my finances

As others have mentioned, thin out your portfolio, look at ALL accounts as one to determine AA. 70/30 seems reasonable. Presently you have a lot of overlap, and WAY too many funds. Simplify, simplify, simplify! A simpler portfolio will reduce the overlap, and be easier to manage, fewer funds to loo...
by finfire
Wed Sep 25, 2019 6:42 am
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1458

Re: Need review of my finances

My guess is that with two young children, you each need more than $500k in level-premium term life insurance for a 20 year period (until kids are self-sufficient). Spouse and I wanted our insurance face value to cover: - the mortgage balance and any other debt - unfunded college costs - loss of 2nd...
by finfire
Tue Sep 24, 2019 2:29 pm
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1458

Re: Need review of my finances

As others have mentioned, thin out your portfolio, look at ALL accounts as one to determine AA. 70/30 seems reasonable. Presently you have a lot of overlap, and WAY too many funds. Simplify, simplify, simplify! A simpler portfolio will reduce the overlap, and be easier to manage, fewer funds to loo...
by finfire
Tue Sep 24, 2019 2:13 pm
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1458

Re: Need review of my finances

Although you may prefer the IRA at Vanguard, your 401k has good low-fee fund choices and more protection under ERISA. If the 401k will accept a rollover-in of your traditional pretax IRA balance, the rollover allows you to do a back door Roth if your adjusted gross income is too high for a direct R...
by finfire
Tue Sep 24, 2019 1:43 pm
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1458

Re: Need review of my finances

I hold the three fund portfolio. Agree that you can simplify your portfolio and eliminate the small holdings. i don’t include 529’s either. Thank you for removing them from your portfolio. i also maintain a spreadsheet. It’s easy to maintain since I don’t make many changes. Thanks, Posting my portf...
by finfire
Tue Sep 24, 2019 11:02 am
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1458

Re: Need help/review of my finances

Asset allocation (AA) is personal. IMO your 70/30 allocation is reasonable. Re-evaluate as you get closer to retirement. Agree that you can simplify your portfolio. You have a lot of holdings (some too small to make a meaningful difference) and the placement could be more tax efficient. Don’t inclu...
by finfire
Tue Sep 24, 2019 9:22 am
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1458

Need review of my finances

Emergency funds: 6 months. Debt: 300K mortgage, 15 years. 3.375%. House recently appraised for $470K Pay credit cards every month. Student loan: 20K@3.5%. No car loans. Tax Filing Status: Married Filing Jointly, 2 young Children. Tax Rate: 24% Federal (marginal), 15% effective. No State tax. State ...
by finfire
Tue Sep 24, 2019 8:51 am
Forum: Personal Investments
Topic: What to do next with our money
Replies: 22
Views: 4247

Re: What to do next with our money

Sorry to hear about your losses in the penny stock "game". It happened to one of my in-laws. He played that game, investing in energy stocks. Anyway, he lost big time. Still working, closer to 80 than 70. It is a valuable lesson for me/all of us. My advice: never return to that game.
by finfire
Fri Sep 20, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 29
Views: 8631

Re: Capital One 360 shaking up savings accounts

Is it FDIC insured?

It looks like the 360MM has a similar interest rate and is FDIC insured. Any reason not to go with this over the savings account?
by finfire
Thu Sep 19, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: wild caught sockeye salmon
Replies: 73
Views: 9203

Re: wild caught sockeye salmon

Try Costco, they usually have several types salmon fillets. I buy frozen Wild Alaskan Sockeye salmon at Costco for about $32 for a 3-lb bag. Costco has a good reputation for selecting quality products. Victoria This is not just one isolated incident: https://youtu.be/MZXhgaJE-Ms Big fan of costco. ...
by finfire
Thu Sep 19, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11062

Re: How do you spend money to gain time? (young family)

both kids sleep in same room; 1 parent puts to bed; other does lunches/meals amazon.com instacart delivery bought a floor-cleaning robot have a CSA delivery fresh veg go to a local butcher shop for meat (yes, this saves trips to costco) have costco delivery (dry goods_ bought a slow cooker for large...
by finfire
Wed Sep 18, 2019 12:29 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 6020

Re: Spreadsheets

Nope. I dont' have any desire to duplicate what is already mostly provided by my financial providers. How do you see your overall net worth (assuming you have assets at multiple providers, which it sounds like you do?) I've kept it simple. We have only a few providers. I log in and add portfolio su...
by finfire
Tue Sep 17, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Noise
Replies: 31
Views: 2968

Re: Noise

I'd try and discuss is neighbor is amenable.

Had an issue with neighbor. Got the right cop to respond. He threatened fines if the neighbor kept it up....problem solved...for now.

Also <extreme> case: you can take neighbor to small claims court for nuisance. You may not win but it may send a signal.
by finfire
Tue Sep 17, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 6020

Re: Spreadsheets

Nope. I dont' have any desire to duplicate what is already mostly provided by my financial providers. I don't have any desire to work on spreadsheets unless someone is paying me....even then it's a struggle. I do use a spreadsheet to track my expenses. It's simple and maybe takes 10 mins/month to up...
by finfire
Fri Sep 13, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 56
Views: 5998

Re: Beach City / Town in Florida

St Augustine and surrounding area is becoming less and less attractive. Every bit of land is sold to developers to build ticky-tasky houses. Infrastructure is creaking no one wants to pay taxes to fix the issues. Tourists and airbnbs are everywhere. Plus it's more conservative than other parts of Fl...
by finfire
Wed Sep 11, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 8738

Re: How old is your cellphone?

2 weeks old. Samsung S10.

Previous S7 was 3 years old...got too slow.
by finfire
Fri Aug 30, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Which car to sell?
Replies: 15
Views: 1075

Re: Which car to sell?

Keep the wife happy, keep Lexus.

Ditch the civic. Too low.

Rav4 is a great car.
by finfire
Thu Aug 29, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: What makes your dream house so special?
Replies: 41
Views: 3204

Re: What makes your dream house so special?

No such thing as a dream house in my world. It's 4 walls and a roof.
by finfire
Wed Aug 28, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Passport Photos
Replies: 27
Views: 2038

Re: Passport Photos

I recently took my kids for passport.

For $4.99 at costco, if a member, it's so worth it.
by finfire
Wed Aug 28, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3303

Re: Laser or inkjet

ditch inkjet.

buy the costco monochrome laser printer.
by finfire
Wed Aug 28, 2019 2:19 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 14762

Re: Best of Bogleheads - your #1 takeaway

ooma is cheaper than vonage.

ditch the inkjet. buy a monochrome laser printer.
by finfire
Tue Aug 27, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase a $30k car?
Replies: 112
Views: 7694

Re: Can I afford a $30k car purchase?

Can afford? Or should you buy?
by finfire
Tue Aug 27, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1031
Views: 111004

Re: What frugal thing did you do today?

haven't had a shower today. Reckon I'll just wash off in the neighbor's pool. Hope they don't find out.
by finfire
Tue Aug 27, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1031
Views: 111004

Re: What frugal thing did you do today?

Took the $2 the tooth fairy left my daughter and put it in her piggy bank. That'll go towards college bills in the future. :moneybag
by finfire
Tue Aug 27, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Zelle at non-participating Bank/CU
Replies: 24
Views: 1327

Re: Zelle at non-participating Bank/CU

jmorgans wrote:
Mon Aug 26, 2019 7:37 pm
Swimmer wrote:
Mon Aug 26, 2019 6:48 pm
What’s the difference between Zelle and PopMoney?
One is Betamax and the other VHS but we don’t know which is which yet.
Betamax ? VHS? What are these things you speak of? :D
by finfire
Mon Aug 26, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8641

Re: Do you sacrifice to save?

I realize this question is a little ridiculous because of course any money saved is not spent so you are always sacrificing something. What I am looking for is just a general idea of how many people around here feel that they are making sacrifices to fund their retirement. My wife and I have a part...
by finfire
Mon Aug 26, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Washer/dryers at Costco - are Labor Day prices live?
Replies: 14
Views: 1637

Re: Washer/dryers at Costco - are Labor Day prices live?

I bought a dryer from Costco a few months ago shortly after it was delivered the next coupon book came out with it on sale. It only took a short phone call to get a credit for the difference. It was not with appliances but several times over the years I have bought something at Costco only to have ...
by finfire
Tue Aug 20, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pay cut to take a federal job?
Replies: 26
Views: 2878

Re: Pay cut to take a federal job?

If you are looking for challenge, you may wanna avoid federal job. You will not be challenged there. As a blanket statement, that simply is not true. Job satisfaction is dependent on your occupation and the agency that you work for. I agree. I continue to work in govt and experience a lot of challe...
by finfire
Mon Aug 19, 2019 10:14 am
Forum: Personal Investments
Topic: Saving for a new car
Replies: 14
Views: 1247

Re: Saving for a new car

likewise. Mine comes from emergency fund in an online bank.

My cars are 13 year and 10 years old. I'll replace them when they're dead.
by finfire
Mon Aug 19, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Time to rewire, replumb. 30, 40, 50 years? Hot climate.
Replies: 8
Views: 1475

Re: Time to rewire, replumb. 30, 40, 50 years? Hot climate.

Our house is 57. Just replumbed to pex. All of our neighborhood is getting replumbed. Copper in our area (near beach, Fl) has a lifetime of about 30 years. The copper we replaced with pex was not the original. My recommendation is replace it when it starts to cause problems (ie you start getting lea...
by finfire
Fri Aug 16, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance? Recast?
Replies: 69
Views: 3018

Re: Mortgage refinance? Recast?

Folks, I have 300K 3.49% 30 years mortgage. I am about 6 years into this mortgage. Let's assume that the interest rate goes down further. So, I have the following options: A) Refinance to another 30 years mortgage at the lower interest rate. In this case, my monthly payment will go down and I proba...
by finfire
Fri Aug 16, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance? Recast?
Replies: 69
Views: 3018

Re: Mortgage refinance? Recast?

Folks, I have 300K 3.49% 30 years mortgage. I am about 6 years into this mortgage. Let's assume that the interest rate goes down further. So, I have the following options: A) Refinance to another 30 years mortgage at the lower interest rate. In this case, my monthly payment will go down and I proba...
by finfire
Fri Aug 16, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Debating a 4.25 to 3.375 refi
Replies: 28
Views: 1977

Re: Debating a 4.25 to 3.375 refi

Have you shopped around? That's the best way to figure if it's a good deal. I just refid. From 4.375 to 3.375, similar amount as you. From 30 year to 15 year. Your closing costs look good. However, I found the costs went down when I made the lenders bid against each other. Also, my costs went down w...
by finfire
Thu Aug 15, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Refinance!!! Go or No Go??
Replies: 18
Views: 2061

Re: Refinance!!! Go or No Go??

I pitted multiple lenders against each other and saved thousands on costs by the end of it.

Make sure you make them compete for your business.
by finfire
Wed Aug 14, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3257

Re: Dishwasher Fiasco

install an outlet. Seems the way to go these days.
by finfire
Wed Aug 14, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Recommendation For Soccer socks
Replies: 3
Views: 201

Re: Recommendation For Soccer socks

Have you tried www.soccersocksforum.com? Partly kidding, partly not. I'd be using Google, and reading reviews on sites that sell soccer socks, instead of asking on a financial forum. Of course I go to a truck forum for truck info, an appliance repair forum for appliance repair info, an alarm system...
by finfire
Wed Aug 14, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Recommendation For Soccer socks
Replies: 3
Views: 201

Recommendation For Soccer socks

Yes, soccer socks is the topic!

I play indoor soccer a lot. The socks I've bought in past are too hard to put on after a few washes....they get so tight...

Anyone have recommendations for a soccer sock that is good and easy to put on?
by finfire
Tue Aug 13, 2019 12:53 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 16342

Re: Another Day With Vanguard.Com Down

it's not my day of the year for checking balances, but it doesn't sound good.

Hope they have it fixed by next April.
by finfire
Mon Aug 12, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6954

Re: Are you refinancing now?

Went from 30 to 15 year.

From 4.375 to 3.375.