Search found 165 matches

by Stanczyk
Wed Feb 24, 2021 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on a house and frost damaged shrubs
Replies: 26
Views: 1956

Re: Closing on a house and frost damaged shrubs

OK. I get it. Will not be asking for anything. Thank you.
by Stanczyk
Wed Feb 24, 2021 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on a house and frost damaged shrubs
Replies: 26
Views: 1956

Closing on a house and frost damaged shrubs

Hello everyone, My wife and I are closing on a house tomorrow and we just found out that much of the front and back landscaping is dead due to last week's TX freezing weather. If I was to guestimate, a professional landscaper would take between $1000 and $2000 to remedy the situation. If I do the la...
by Stanczyk
Tue Feb 16, 2021 12:05 pm
Forum: Personal Consumer Issues
Topic: Cheap Passport Photos
Replies: 53
Views: 3311

Re: Cheap Passport Photos

Did that last week. Walmart was 7.99 for two photos. My Costco no longer has a photo service.
by Stanczyk
Sat Feb 13, 2021 11:14 am
Forum: Personal Investments
Topic: What to do with cash-out refi money from investment property
Replies: 20
Views: 1460

Re: What to do with cash-out refi money from investment property

You write that managing these properties has been a pain. I know for a fact that managing rentals can be a pain. However, something tells me that you may be experiencing more problems than usual. The properties you are buying seem like cheaper properties and these come with tenants with drama. There...
by Stanczyk
Thu Feb 11, 2021 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead bathroom repair
Replies: 36
Views: 2663

Re: Boglehead bathroom repair

I just had something similar fixed at my rental, in TX. I ended up replacing other stuff too, but the re tiling the floor was $650 and fixing the subfloor (some water damage) was $350. It looks way better and I would just have it done if I were you. A new floor will add value. If you are handy, you ...
by Stanczyk
Sun Feb 07, 2021 11:35 am
Forum: Investing - Theory, News & General
Topic: Ark Funds
Replies: 156
Views: 22858

Re: Ark Funds

So, who is buying ARKX in late March ? I will probably get some as soon as it hits the market.
by Stanczyk
Fri Jan 22, 2021 10:18 pm
Forum: Personal Investments
Topic: Help me choose a 403B/457 provider
Replies: 9
Views: 562

Re: Help me choose a 403B/457 provider

The Vanguard 403b features all of the main index funds at crazy low prices (VTSAX and the like) as well funds like Windsor and Wellington. I am unable to see Fidelity's choices - I suppose I will call them on Monday. Honestly, it looks like what will differentiate the two is the $60/year maintenance...
by Stanczyk
Fri Jan 22, 2021 9:53 pm
Forum: Personal Investments
Topic: Help me choose a 403B/457 provider
Replies: 9
Views: 562

Help me choose a 403B/457 provider

Hello everyone, My spouse is in the middle of a job change and has the following choice of 403B/457 providers. A Vanguard 403B is an obvious choice, but their custodian charges a small ($5) monthly fee on top of Vanguard's expense rations. Given that $60/year is not much and that Vanguard's fees are...
by Stanczyk
Mon Jan 11, 2021 8:08 pm
Forum: Investing - Theory, News & General
Topic: ARK investment
Replies: 189
Views: 16901

Re: ARK investment

I started watching arkw in mid 2019 when I found that nearly all top etf strategies at sectorsurfer held this as their primary “risk on” holding. Still do in fact. I held 100 shares @50.00 for that summer and sold when I got a sell signal for the same $. I began buying it again in March and have bu...
by Stanczyk
Sun Jan 10, 2021 1:57 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 192
Views: 22447

Re: just a general comment about "too conservative" investors here

I understand. I was not asking about buying Teslas and so on. I was asking about selling them and buying something more reasonably priced. Selling high and buying "lower." I have etf-s (ARK) that are over 10% YTD, which is insane. That is what made me contemplate trimming this holding a b...
by Stanczyk
Sun Jan 10, 2021 1:44 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 192
Views: 22447

Re: just a general comment about "too conservative" investors here

Thank you for this post. I am happy I can learn from those with more experience. That said, what would those of you who have seen/experienced past crashes recommend? Taking money out of the high flying investments - the Teslas, Twilios etc? And what then? Parking the money in Total Market or some d...
by Stanczyk
Sun Jan 10, 2021 1:32 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 192
Views: 22447

Re: just a general comment about "too conservative" investors here

Thank you for this post. I am happy I can learn from those with more experience. That said, what would those of you who have seen/experienced past crashes recommend? Taking money out of the high flying investments - the Teslas, Twilios etc? And what then? Parking the money in Total Market or some di...
by Stanczyk
Thu Dec 31, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Gabi.com
Replies: 4
Views: 610

Gabi.com

Hello,

Has anyone used gabi.com to shop for insurance? Geico increased my umbrella and I would like to see what my options are. I insure cars, primary residence, and rentals. Anyone use gabi for stuff like that?

Happy New Year.
by Stanczyk
Tue Dec 15, 2020 7:13 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on a S&P 600 recovery
Replies: 21
Views: 3028

Re: Thoughts on a S&P 600 recovery

I was in SP600 for a few years and have been disappointed. In March, when it dipped to below 40% YTD I bought more and then more. When it recovered, I sold everything and purchased ARKK.
by Stanczyk
Sun Dec 13, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Should we increase savings?
Replies: 61
Views: 2707

Re: Should we increase savings?

The problem with having your kiddos is that most of the cleaning is picking up the mess they leave behind. The "art", the stickers, the gizmos and widgets that you don't even know the purpose. And this is daily. Compared to this, cleaning the toiles every now and then and doing the floors ...
by Stanczyk
Sat Dec 12, 2020 3:32 pm
Forum: Personal Investments
Topic: How to distinguish aggressive/speculative play from portfolio core?
Replies: 4
Views: 353

How to distinguish aggressive/speculative play from portfolio core?

Now, this is something I have been thinking of lately: Several books on investing advise that if one wants to keep individuals stocks or more speculative funds in their retirement portfolio, such a person should limit exposure to these assets to no more than 10%. I have been investing in ARK funds a...
by Stanczyk
Tue Dec 08, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: Why not ARK funds if one is investing in QQQ?
Replies: 58
Views: 6717

Re: Why not ARK funds if one is investing in QQQ?

I have about 10% of my portfolio in ARK funds. I have noticed over and over that as SP500 zigs, ARK zags. To an extent, this is greater diversification. I doubt, you will get that with NASDAQ. Few more years like this one and I might propose to Cathie Wood :mrgreen: OK, now the market is definitely ...
by Stanczyk
Thu Dec 03, 2020 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: 529 account - is there a better way?
Replies: 175
Views: 8486

Re: 529 account - is there a better way?

OK. Here is a basic question that I just need to ask: Let's say you have a household income of 150K with both parents making about the same. Could they not lower their income by 78K/year by maxing their 403B(x2) and 457(x2). That is 19,500 per each account. Would that help with FAFA and their kids'...
by Stanczyk
Thu Dec 03, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: 529 account - is there a better way?
Replies: 175
Views: 8486

Re: 529 account - is there a better way?

OK. Here is a basic question that I just need to ask: Let's say you have a household income of 150K with both parents making about the same. Could they not lower their income by 78K/year by maxing their 403B(x2) and 457(x2). That is 19,500 per each account. Would that help with FAFA and their kids' ...
by Stanczyk
Sat Nov 28, 2020 5:09 pm
Forum: Personal Investments
Topic: Rank ARK funds in order of preference
Replies: 30
Views: 2141

Re: Rank ARK funds in order of preference

Short term Capital gain tax. I bought some ARKK few weeks back. I understand the tax paid if they give out the dividends. What is the other tax triggering situation of holding the fund if you don't sell it ? Short term capital gains that fund managers triggered when they sold equities within their ...
by Stanczyk
Sat Nov 28, 2020 4:13 pm
Forum: Personal Investments
Topic: Rank ARK funds in order of preference
Replies: 30
Views: 2141

Re: Rank ARK funds in order of preference

ARKK is a very active fund. I would use Roth IRA to hold them. Agreed. That is exactly what I am doing. I own all 5 ARK funds. I am actually about to deploy a larger sum into the market and I am very tempted to put a good chunk into ARK as opposed to SP500. This is what prompted my original question.
by Stanczyk
Sat Nov 28, 2020 3:31 pm
Forum: Personal Investments
Topic: Rank ARK funds in order of preference
Replies: 30
Views: 2141

Re: Rank ARK funds in order of preference

Yeah, the funds are very tempting. They may in fact offer some diversification since they often behave differently than SP500.
by Stanczyk
Sat Nov 28, 2020 3:19 pm
Forum: Personal Investments
Topic: Rank ARK funds in order of preference
Replies: 30
Views: 2141

Re: Rank ARK funds in order of preference

dru808 wrote: Sat Nov 28, 2020 3:12 pm
JonnyDVM wrote: Sat Nov 28, 2020 2:49 pm I only hold ARKK and ARKG. So I guess 1,2?
What percentage of your equities do you allocate to them?
10-15%
by Stanczyk
Sat Nov 28, 2020 12:43 pm
Forum: Personal Investments
Topic: Rank ARK funds in order of preference
Replies: 30
Views: 2141

Rank ARK funds in order of preference

#1 ARKW
#2 ARKK
#3 ARKF
#4 ARKG
#5 ARKQ
by Stanczyk
Thu Nov 26, 2020 10:00 pm
Forum: Personal Investments
Topic: TRP Blue Chip Growth vs Blue Chip Growth ETF
Replies: 8
Views: 770

Re: TRP Blue Chip Growth vs Blue Chip Growth ETF

Probably not just riding the tech wave. TRBCX also contains some international and TRP is a mutual fund company that compares favorable with its competitors as far as achieving alpha is concerned.

(It is Roth IRA)
by Stanczyk
Thu Nov 26, 2020 9:13 pm
Forum: Personal Investments
Topic: TRP Blue Chip Growth vs Blue Chip Growth ETF
Replies: 8
Views: 770

TRP Blue Chip Growth vs Blue Chip Growth ETF

Like some on this forum, I am a fan of the T.R. Price Blue Chip Growth fund (TRBCX). The fund has an expense ratio of 0.69%. It is run by a great manager Larry Pigulia. Recently TRP started an actively managed ETF that is supposed to mirror the Blue Chip Growth mutual fund. The ETF (TCHP) is also ru...
by Stanczyk
Tue Nov 10, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Side-gig YouTuber- any thoughts/experience/suggestions?
Replies: 9
Views: 781

Side-gig YouTuber- any thoughts/experience/suggestions?

My wife came up with an idea for a YouTube Channel yesterday that both her best friend and I think has a lot of merit. Potentially a whole lot of views/subscribers. She, though camera-shy (she does not even post photos on Facebook of herself or the family), is interested in taking on this project. H...
by Stanczyk
Sat Nov 07, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Looking for a knife set
Replies: 99
Views: 6950

Re: Looking for a knife set

Once you go Victorinox, you will never go back. I have a set of Victorinox fibrox as well as a single $300 Santoku and the 'Victors' are so much better. I am not exaggerating - these knives are the best kitchen-related purchase I have ever made in my entire life.
by Stanczyk
Fri Nov 06, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Can someone give me a simple "For Dummies" version of buying physical gold?
Replies: 36
Views: 3901

Re: Can someone give me a simple "For Dummies" version of buying physical gold?

So, with today's reporting requirements, if I have 100K in gold coins purchased over several years in small increments, Uncle Sam does not know about these? And reporting this, (say on FAFSA or some kind of future wealth tax) is really a question of whether I am a good citizen?
by Stanczyk
Fri Nov 06, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Can someone give me a simple "For Dummies" version of buying physical gold?
Replies: 36
Views: 3901

Re: Can someone give me a simple "For Dummies" version of buying physical gold?

I have some follow up questions: 1) What should an investor buy? Coins or bars? Which is easier to sell later on? 2) Does it ever make sense to buy anything smaller than 1oz? 3) How anonymous are these transactions? I know that if I was to purchase 1 kg, that would probably get reported. What if yo...
by Stanczyk
Fri Nov 06, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Can someone give me a simple "For Dummies" version of buying physical gold?
Replies: 36
Views: 3901

Re: Can someone give me a simple "For Dummies" version of buying physical gold?

I have some follow up questions: 1) What should an investor buy? Coins or bars? Which is easier to sell later on? 2) Does it ever make sense to buy anything smaller than 1oz? 3) How anonymous are these transactions? I know that if I was to purchase 1 kg, that would probably get reported. What if you...
by Stanczyk
Thu Oct 29, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: Gaggia Cadorna Prestige coffee maker?
Replies: 25
Views: 1688

Re: Gaggia Cadorna Prestige coffee maker?

JPH wrote: Sat Oct 24, 2020 1:29 pm Milk in coffee? What for? Next I suppose someone will suggest sweeteners! Go figure. Have you read the post suggesting adding liquid smoke to barbeque? :beer
I agree. Nature never intended milk and coffee to go together.
by Stanczyk
Mon Oct 26, 2020 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella: Significant Increase in Premium
Replies: 89
Views: 10064

Re: GEICO Umbrella: Significant Increase in Premium

They just sent me a renewal notice. It had been $99 for one million for one year. They increased it to $265!! More than doubling. I was concerned that it might increase based on some of your posts, so I was looking out for this, but this is worse than anyone of you have mentioned. Any recommendation...
by Stanczyk
Wed Oct 21, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Personal capital: Retirement plan review and $100
Replies: 8
Views: 1082

Personal capital: Retirement plan review and $100

Personal capital is offering me a free portfolio review and $100 for talking to them. Has anyone done this? The $100 would be deposited into a personal capital cash account.
by Stanczyk
Mon Oct 19, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: Ark Funds
Replies: 156
Views: 22858

Re: Ark Funds

How about this - ARK funds as a way to further diversify portfolio. Any thoughts?

This is what I see on my watchlist today:
ARKF +0.45%
ARKK +0.74%
ARKW +0.75%
QQQ -0.63%
SP500 -0.56%

I have noticed this on multiple occasions on the past.
by Stanczyk
Fri Oct 16, 2020 11:42 am
Forum: Personal Investments
Topic: 403B and fees
Replies: 9
Views: 641

Re: 403B and fees

Thank you
by Stanczyk
Thu Oct 15, 2020 7:45 pm
Forum: Personal Investments
Topic: 403B and fees
Replies: 9
Views: 641

403B and fees

Hello Everyone, My 403B is with Vanguard. Everything is invested in TSM at 0.04%. However, I am also being charged a monthly fee of $5 ($60 per year). Thus, if you only have 10K in it, your expenses are 0.64% per year. If you have 20K, this figure drops to 0.34% and so on. Are these maintenance/cust...
by Stanczyk
Mon Sep 28, 2020 1:07 pm
Forum: Personal Investments
Topic: Parking emergency cash
Replies: 7
Views: 811

Parking emergency cash

Where do you guys park your emergency cash? I bank with Schwab and Ally and the recent decreases by Ally to 0.6% are giving me an itch to put the money to work. I am thinking of giving HM Bradley a try but I am slightly concerned about their FDIC status? They seem to be associated with Hatch, which ...
by Stanczyk
Thu Sep 17, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: What one Book to read about personal finance?
Replies: 40
Views: 2637

Re: What one Book to read about personal finance?

The Little Book of Common Sense Investing
Richest Man in Babylon
Millionaire Next Door

P.S. Dave Ramsey is Ok for helping people get out of debt, but his financial/investing advice runs counter to research. I would not let that man invest a penny of mine.
by Stanczyk
Tue Sep 15, 2020 10:59 pm
Forum: Non-US Investing
Topic: I'm Polish - should I hedge bond ETF to EUR?
Replies: 13
Views: 1772

Re: I'm Polish - should I hedge bond ETF to EUR?

Buy an apartment in Pl and rent it out. Perhaps wait a while - 6 months to a year just to see where Corona will take us. Real estate prices in Pl seem high, but so is inflation. I live in and invest in the US. Had multiple apartments in Pl and sold all. Then, I purchased in the US. Now I am thinking...
by Stanczyk
Sat Sep 05, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 80
Views: 14835

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

Varo is offering 1.21. Do you guys know anything it? I am thinking of moving my money there from ally. I recently opened an account with Varo but have not transferred funds there yet. I received an e-mail from Varo this morning stating they are lowing their rate to 0.81% as of September 15. Thank y...
by Stanczyk
Fri Sep 04, 2020 3:42 pm
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 80
Views: 14835

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

Varo is offering 1.21. Do you guys know anything it? I am thinking of moving my money there from ally.
by Stanczyk
Tue Sep 01, 2020 7:57 pm
Forum: Investing - Theory, News & General
Topic: Ark Funds
Replies: 156
Views: 22858

Ark Funds

Are you fans of Ark funds? If so which do you own and what percentage of your portfolio do these holdings constitute?
Do you consider these investments or speculation/play money?
by Stanczyk
Tue Sep 01, 2020 5:57 pm
Forum: Personal Investments
Topic: The Best High Yield Savings Account
Replies: 67
Views: 10194

Re: The Best High Yield Savings Account

Update: As of today, this is what I can see. The best rate is at VARO(1.21%), though I have never heard of them and have not use them. I am considering this. Any experience? Then, in no particular order, but those you all have mentioned... Redneck .80% Citibank .95% FNBO .75% Citibank 360 .65% Capit...
by Stanczyk
Sun Aug 16, 2020 4:57 pm
Forum: Personal Investments
Topic: To US or not to US
Replies: 11
Views: 886

Re: To US or not to US

steve321 wrote: Sun Aug 16, 2020 4:43 pm What you are talking about is market timing based on valuations. In the long term it might well work, but you might underperform for a while
What are you buying as someone from the UK? Are in the European markets? (I have been thinking of that)
by Stanczyk
Sun Aug 16, 2020 4:40 pm
Forum: Personal Investments
Topic: To US or not to US
Replies: 11
Views: 886

Re: To US or not to US

Is is really market timing? Aren't we talking about just asset selection? Is it that unreasonable to select assets that appear cheaper?
by Stanczyk
Sun Aug 16, 2020 4:17 pm
Forum: Personal Investments
Topic: To US or not to US
Replies: 11
Views: 886

To US or not to US

Many Bogleheads, myself included, have abandoned international equities in favor of domestic ones. In hindsight, this was a good move. These days, however, the US market market is looking pricy. Are you rethinking your position? Or perhaps, are you buying small-caps which seem less crazy. I am not c...
by Stanczyk
Wed Aug 12, 2020 3:25 pm
Forum: Non-US Investing
Topic: [PL] Advice on mid/long term portfolio
Replies: 2
Views: 365

Re: [Poland] Advice on mid/long term portfolio

We should chat. I am investing mostly in US, but have invested in PL. Planning to invest more in PL to shelter my money from US taxes. We can Skype if you like. Pozdrawiam.
by Stanczyk
Wed Aug 12, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tree section fell on my neighbor's property...who is liable
Replies: 56
Views: 5974

Re: Tree section fell on my neighbor's property...who is liable

I was in a similar situation last year. A neighbor's tree fell on my property damaging my garage wall and roof and destroying my fence. Initially, my neighbor told me that "they will take care of it." Once they realized they they are not liable, I had to pay for everything. His trees were ...