Search found 20 matches

by NxNW
Fri Jun 14, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3275

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: 2236

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: 134
Views: 10342

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: 73
Views: 6206

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: 8675

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: 3424

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: 2718

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: 1207

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: 6282

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: 1379

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: 1199

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: 12749

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: 5
Views: 401

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: 3725

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: 1481

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: 2705

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: 2343

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: 692

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: 10926

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...