Search found 30 matches

by NxNW
Mon Nov 11, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Organization supporting Veterans - Donation
Replies: 19
Views: 776

Re: Organization supporting Veterans - Donation

Another vote for fisher house. Very tangible benefit for vets in our community.
by NxNW
Mon Oct 07, 2019 10:30 am
Forum: Personal Investments
Topic: Advice on asset allocations
Replies: 13
Views: 1766

Re: Advice on asset allocations

You can help us out by providing the names as well as the tickets for less well known funds.
by NxNW
Wed Sep 11, 2019 2:37 pm
Forum: Personal Investments
Topic: Tax loss harvesting in brokerage accounts
Replies: 11
Views: 846

Re: Tax loss harvesting in brokerage accounts

I’m interested in this topic as well. Just starting to invest in taxable accounts so it seems like the time is ripe to learn more.
by NxNW
Mon Aug 05, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7749

Re: Financial anxiety and next steps in relationship

Your business. But you're committing financial hara-kiri here. Together, the present combination of your finances is awful, but you're also planning an imminent purchase of a house and immediately having children. There is absolutely no positive financial spin to put on this. [OT comments removed b...
by NxNW
Tue Jul 30, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Southern California Family Vacation Recommendations
Replies: 11
Views: 931

Re: Southern California Family Vacation Recommendations

With kids that age Legoland is the place to be.
by NxNW
Fri Jul 26, 2019 7:06 am
Forum: Personal Investments
Topic: first time poster, my portfolio
Replies: 10
Views: 872

Re: first time poster, my portfolio

If you plan to head back to school in a couple years you could sell the single stocks at that time when you have low/no income.
by NxNW
Mon Jul 15, 2019 11:54 pm
Forum: Personal Investments
Topic: Should I start indexing NOW in current Market?
Replies: 33
Views: 4848

Re: Should I start indexing NOW in current Market?

Yes. Determine your asset allocation and proceed.
by NxNW
Fri Jul 12, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: 3 kids and 2 working parents - childcare costs
Replies: 17
Views: 1737

Re: 3 kids and 2 working parents - childcare costs

I don’t know about the twin cities area, but we pay our nanny $17.50/hr for 3 kids. She works 45-50 hours/week. She gets 4 weeks of paid vacation/year (almost exclusively when we take vacation). I use GTM as our payroll service and have been pleased. We do some summer camps to give the kids some tim...
by NxNW
Sat Jun 29, 2019 3:17 pm
Forum: Investing - Theory, News & General
Topic: Why NO International Bond Index ??
Replies: 37
Views: 4969

Re: Why NO International Bond Index ??

I invest in international bonds because part of our retirement funds are in Vanguard target date. I am OK with this because I believe a currency hedged international bond fund allows for an effective way to obtain exposure to foreign interest rate cycles that are different from US interest rate cycl...
by NxNW
Wed Jun 26, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Salaries at FQHC | Any physicians here? [Federally Qualified Health Center]
Replies: 17
Views: 2605

Re: Salaries at FQHC | Any physicians here?

This is your girlfriends decision. She almost certainly knew the salary would be lower in this clinic when she signed the contract and has probably thought about it. She may/may not value your opinion on the topic — tread carefully.
by NxNW
Fri Jun 14, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3739

Re: Buy Mini-Van Tomorrow or No?

Yes. And don’t get hung up on the post to get a toyota or Honda. I have the sienna and would comment vaunted toyota reliability is questionable. My brother has the Pacifica and it’s nice.
by NxNW
Wed May 29, 2019 11:46 pm
Forum: Personal Investments
Topic: TSP
Replies: 17
Views: 2433

Re: TSP

I will be that guy. More complete information from you will help folks to provide more informed and helpful opinions.

Asking portfolio questions:
viewtopic.php?f=1&t=6212
by NxNW
Tue May 28, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 12090

Re: House not selling

I would do two things. 1) start interviewing new realtors. Your current one is not helping matters. Listen to what they say about the condition of the house and it’s pricing. 2) get a book from the library on home staging. I strongly suspect a problem there. If your house is being compared to new h...
by NxNW
Mon Apr 29, 2019 11:06 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13818

Re: out of network emergency visits. Huge bill!!!

Good thing you wisely have your emergency fund?
by NxNW
Thu Apr 25, 2019 11:25 pm
Forum: Personal Investments
Topic: My fee only advisor at .8%
Replies: 57
Views: 9090

Re: My fee only advisor at .08%

Complex situation. Several thoughts. 1. Difficult to say what your asset allocation is without knowing the funds you are in. 50/50 target is reasonable if considering retiring in the near term (<5 years). 2. The taxable account may be difficult to unwind without substantial tax implications if there...
by NxNW
Mon Apr 22, 2019 8:13 pm
Forum: Personal Investments
Topic: Balance in Marriage and Student Loans
Replies: 36
Views: 3604

Re: Balance in Marriage and Student Loans

Thank you for the update. My wife and I have used (still do) a financial planner to help us talk through a financial plan. Really helped us get on the same page.
by NxNW
Thu Apr 18, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Young Couple Seeking Financial Advice From Bogleheads
Replies: 27
Views: 2854

Re: Young Couple Seeking Financial Advice From Bogleheads

Probably somewhat discordant with the other comments, but don’t wait until you think you can afford kids before you have them. You’ll never feel like you can afford them. Kids will come with chaos which will impact your financial plan and your savings. Embrace it. It will probably even be years when...
by NxNW
Mon Apr 15, 2019 3:25 pm
Forum: Personal Investments
Topic: Shifting away from 100% stocks - how do you execute shift without timing?
Replies: 17
Views: 1316

Re: Shifting away from 100% stocks - how do you execute shift without timing?

No one has mentioned volatility risk which I think is important in assessing risk of a portfolio. Consider the following 2 examples investing $10,000: Portfolio A has an annual return of 5%. At the end of the first year you have $10,500. At the end of the second year you have $11,025. Compound annua...
by NxNW
Fri Apr 12, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 7290

Re: Soon to be dad, how to prepare

My advice would be to get your fill of in-theater movies and nice restaurants now. Also, if you haven't gotten a rocker, I'd suggest one like this: https://chicago.craigslist.org/nwi/bab/d/portage-fisher-price-bunny-infant-to/6860796145.html For the first few months my son would only sleep on someo...
by NxNW
Tue Mar 19, 2019 11:45 pm
Forum: Personal Investments
Topic: 92 year old father - portfolio review - how much "help"?
Replies: 12
Views: 1490

Re: 92 year old father - portfolio review - how much "help"?

For what it’s worth his asset allocation may be appropriate if his goal is to transfer wealth to heirs.
by NxNW
Mon Feb 18, 2019 12:14 am
Forum: Personal Investments
Topic: Oregon 529 vs. Vanguard 529
Replies: 15
Views: 1309

Re: Oregon 529 vs. Vanguard 529

As an Oregon resident I use the Oregon 529 though currently only contribute to the deduction limit. My view is that it offsets the *slightly* higher cost. Additionally, the fund selection is markedly improved with the new services. FYI: The deduction limit for married filing jointly couples in 2018 ...
by NxNW
Sat Feb 16, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 113
Views: 13252

Re: Mega Downsize....

Here's a contrarian view...I vote you keep your stuff, keep your house... Just stop buying new stuff. Get rid of the storage units, so your stuff is not costing you month after month. I agree with keeping the stuff. You wanted it at one time and might in the future. My garage has some items like th...
by NxNW
Fri Feb 01, 2019 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Please help me understand Schedule H and Nanny taxes
Replies: 9
Views: 755

Re: Please help me understand Schedule H and Nanny taxes

The first time I tried to do our taxes after hiring a nanny we were audited. We ended up getting approximately $3,500 cash back as I had over paid. Now we use an accountant. Money well $pent.
by NxNW
Thu Jan 31, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating DayCare Fees
Replies: 70
Views: 3987

Re: Negotiating DayCare Fees

8foot7 wrote:
Fri Jan 25, 2019 1:15 pm
Edit: I remember how I put it to my wife at the time, four years of a nanny is a paid-off rental home somewhere nearby.
This ignores that you are still paying for childcare somehow.
by NxNW
Tue Jan 29, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing Investing & Life
Replies: 23
Views: 1592

Re: Balancing Investing & Life

We have kids and live out of state from the grandparents. We have student loans and a home mortgage. We us much (though not all) of our tax advantaged retirement space. We still buy plane tickets to visit the our folks a couple times per year as their health could fail and the kids are growing up qu...
by NxNW
Sat Dec 15, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Nice gifts for young kids
Replies: 33
Views: 2797

Re: Nice gifts for young kids

Kiwi crate for the 4 year old if you’re looking for something “pricier”. Or just a pile of art supplies including safety scissors.

At 2 a little people zoo or some board books.
by NxNW
Thu Nov 29, 2018 9:55 pm
Forum: Personal Investments
Topic: Pay off Mortgage - performing mortgage
Replies: 27
Views: 2405

Re: Pay off Mortgage - performing mortgage

The reason they are unlikely to negotiate is because you contractually owe them more. The negotiation on the principal has already occurred between you and the bank. Selling a loan to a third party is a different negotiation. The third-party still expects to see the full principal Plus collecting th...
by NxNW
Fri Oct 26, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: How Much, How Long, and For Who Do I Need Term Life Insurance?
Replies: 11
Views: 733

Re: How Much, How Long, and For Who Do I Need Term Life Insurance?

My thought: necessary until financially independent (i.e. your kids are grown and your spouse is taken care of). A gross number is probably significant debts + annual expenses x 20 (or 25). Personally, I got 20 year term 5 years ago with first child. Having 3rd soon and going through the process aga...
by NxNW
Fri Sep 14, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 11294

Re: Massive Student Loan Debt - Fiancee

Her school likely has loan counseling officers. Sometimes financial education (or at least an understanding of the loan burden and payoff options) can start there. This may also be a case for an hourly financial planner to help discuss and explain options (one with a fiduciary responsibility). Eithe...