Search found 135 matches

by Maven
Thu Sep 17, 2020 8:02 am
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 59
Views: 4124

Re: Relocation - CO considerations?

Go for it! I moved to Denver from the East coast when I was a single 25 year old. I'm now married with two children and 41 years old - still living in the greater Denver area. I love it here and have never regretted it. Seems like you're in a good time in your lives to do something adventurous. A pr...
by Maven
Tue Sep 08, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: Sole brand exercise bike
Replies: 5
Views: 403

Re: Sole brand exercise bike

I can't speak for this specific brand bike, however I'm a personal trainer and I do have one suggestion for buying a recumbent bike. They are notorious for being very difficult to pedal even on the lowest level. I have not experienced this in gyms as much as I have with my clients who own bikes in t...
by Maven
Sat Sep 05, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Part II: HCOL Area — how much can we afford to rent?
Replies: 2
Views: 489

Re: Part II: HCOL Area — how much can we afford to rent?

I agree with mmmodem. I followed your first post and I really sympathize with you over this decision. If I had been on this forum when we bought our home, I probably would have been talked out of it due to the the numbers not adding up perfectly either. While we probably should have been in a better...
by Maven
Wed Aug 19, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 242
Views: 22406

Re: Books that changed your life

"Tiny Habits" by BJ Fogg is changing my life now. Victoria More so than Atomic Habits? Atomic Habits seems like a good book (I am reading it now) Both are excellent books. Before I read "Tiny Habits" I thought that "Atomic Habits" was the best book on habits. But Fogg showed that there is more to t...
by Maven
Sat Aug 01, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 65
Views: 5652

Re: Cyclists...where are you getting your masks?

Try yocolorado.com. I got a great one there several months ago. I wear it because in our county, all trails have signs saying masks are required when you cannot maintain 6ft or more of distance. This occurs when passing so people pull them up and down, mostly out of respect as I fully realize it's a...
by Maven
Thu Jul 02, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6873
Views: 455956

Re: Refinance Mega Thread

We're locked on a 20 yr refi at 2.875% with approx $900 closing costs after the appraisal was waived. A couple weeks into the refi process. We have 27 yrs left on our current 30 yr fixed at 3.375%, $265k balance and house is valued at $645k. Not taking cash out. A lender I had contacted months ago j...
by Maven
Wed Jun 10, 2020 2:31 pm
Forum: Personal Investments
Topic: When to sell RSUs in strong but struggling oil and gas company?
Replies: 15
Views: 951

Re: When to sell RSUs in strong but struggling oil and gas company?

Ask yourself, would I buy this stock at this price level? If not, you should probably sell. My philosophy, as someone that also worked in oil and gas and got RSUs, was that I had more than enough of my finances tied up in my company and my industry and I needed to take every opportunity to diversit...
by Maven
Tue Jun 09, 2020 9:12 pm
Forum: Personal Investments
Topic: When to sell RSUs in strong but struggling oil and gas company?
Replies: 15
Views: 951

Re: When to sell RSUs in strong but struggling oil and gas company?

sailaway wrote: Tue Jun 09, 2020 9:10 pm Bet you are glad you aren't still holding all of those other shares!
ABSOLUTELY. We know others who never sold.
by Maven
Tue Jun 09, 2020 9:07 pm
Forum: Personal Investments
Topic: When to sell RSUs in strong but struggling oil and gas company?
Replies: 15
Views: 951

When to sell RSUs in strong but struggling oil and gas company?

I've posted about this once in the past and while now is no different, it's also A LOT different in many ways. We have ALWAYS sold upon vest regardless of value. But when the stock took a dive BELOW the single digits just at vesting time this April, we put our plan on pause. Modifying these #s for a...
by Maven
Sun Mar 22, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 314
Views: 22266

Re: So what are you cooking

My favorite food blog is called "Half Baked Harvest". It was started by an entrepreneurial young girl and its since grown to be one of the most popular ones out there. It's a bit difficult to follow her recipes exactly these days because that would require a few ingredients you probably can't get yo...
by Maven
Fri Mar 20, 2020 5:07 am
Forum: Personal Investments
Topic: One simple thing this 50 yo learned...
Replies: 61
Views: 9716

Re: One simple thing this 50 yo learned...

Agree. I'm realizing at my age, 40, I can handle my AA without making an emotional, fear or greed driven decision, but my family needs more than a 6 month emergency fund for my mental health and for the reality of making it through a possible job loss in the middle of all this.
by Maven
Wed Mar 18, 2020 2:11 pm
Forum: Personal Investments
Topic: How to rebalance smaller amounts in Vanguard
Replies: 5
Views: 200

Re: How to rebalance smaller amounts in Vanguard

We are 85/15 with all stock in the 401k (larger balance) and bonds/international in an IRA. We did this because the 401k did not have any low fee bond funds. I'm trying to at least figure out how I might rebalance some in the Roth IRA but I do not have any total stock in there as of yet and it's not...
by Maven
Wed Mar 18, 2020 12:38 pm
Forum: Personal Investments
Topic: How to rebalance smaller amounts in Vanguard
Replies: 5
Views: 200

How to rebalance smaller amounts in Vanguard

I'm trying to rebalance into a US total stock market index fund but I cannot meet the $3k minimum of VTSAX (total stock admiral) or VTSMX (total stock investor) for this specific IRA. Other fund options?
by Maven
Sat Mar 14, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: What entertainment during Covid-19 times?
Replies: 101
Views: 5626

Re: What entertainment during Covid-19 times?

I have a preschooler and kindergartener and their schools have been closed for 2 - 3 weeks at minimum. The school district has sent out remote-learning orders so that the school year can continue and meet the necessary guidelines. We begin on Monday for our oldest. This will require carving out thr...
by Maven
Sat Mar 14, 2020 8:02 am
Forum: Personal Consumer Issues
Topic: What entertainment during Covid-19 times?
Replies: 101
Views: 5626

Re: What entertainment during Covid-19 times?

I have a preschooler and kindergartener and their schools have been closed for 2 - 3 weeks at minimum. The school district has sent out remote-learning orders so that the school year can continue and meet the necessary guidelines. We begin on Monday for our oldest. This will require carving out thre...
by Maven
Sat Mar 14, 2020 6:47 am
Forum: Personal Consumer Issues
Topic: Transitioning weightlifting from gym to home
Replies: 20
Views: 1279

Re: Transitioning weightlifting from gym to home

The TRX or a knockoff of it is such an amazing piece of exercise equipment for home workouts. It can be installed indoors or outdoors and easily transported back and forth to both locations. It provides a full body workout with the ability to essentially have all the weight you need to increase the ...
by Maven
Mon Mar 09, 2020 1:49 pm
Forum: Investing - Theory, News & General
Topic: Are any early accumulators thankful for the current correction?
Replies: 185
Views: 10375

Re: Are any early accumulators thankful for the current correction?

We might be rejoicing if it weren't for that fact that my DH is in the oil & gas industry with a large percentage of his annual compensation being in RSUs. :(
by Maven
Fri Mar 06, 2020 7:55 am
Forum: Investing - Theory, News & General
Topic: selling box spread in anticipation of a bonus
Replies: 24
Views: 1551

Re: selling box spread in anticipation of a bonus

DH's RSUs fell 70% or more in that same window of time you're referring to. We're certainly grateful we didn't spend the money before we had it in hand. Patience.
by Maven
Sun Mar 01, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Which Treadmill Should I Buy? UPDATE: Thanks Everyone!!
Replies: 22
Views: 1666

Re: Which Treadmill Should I Buy? What do you have? Which one's break down? Thoughts? Help?

Sandtrap wrote: Sun Mar 01, 2020 10:25 am
Maven wrote: Sun Mar 01, 2020 10:19 am Correct. I'm referring to the flex of the treadmill base/deck itself.
Oh.
I think I understand now.
Deck flex?
Is that correct?

thanks
j :happy
Correct.
by Maven
Sun Mar 01, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Which Treadmill Should I Buy? UPDATE: Thanks Everyone!!
Replies: 22
Views: 1666

Re: Which Treadmill Should I Buy? What do you have? Which one's break down? Thoughts? Help?

Correct. I'm referring to the flex of the treadmill base/deck itself.
by Maven
Sun Mar 01, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Which Treadmill Should I Buy? UPDATE: Thanks Everyone!!
Replies: 22
Views: 1666

Re: Which Treadmill Should I Buy? What do you have? Which one's break down? Thoughts? Help?

Hi Jim, Personal Trainer here. A lot of my clients have treadmills in their home gyms. I don't have a specific treadmill to recommend but I can add some points to consider. - Often the treadmill looks compact until it gets into your basement space. So just be aware that at first it may seem much lar...
by Maven
Wed Feb 19, 2020 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Homeowners Insurance Increase
Replies: 20
Views: 2068

Re: Amica Homeowners Insurance Increase

OP - please update us after your meeting. Same boat and also in Colorado. I recently did a review on Policygenius and they came back that we have the lowest rate they could find us for both home and auto. Our rates went sky high after that hail storm. Okay I have the result. Went to an independent ...
by Maven
Wed Feb 19, 2020 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Homeowners Insurance Increase
Replies: 20
Views: 2068

Re: Amica Homeowners Insurance Increase

Thank you cleosdad. I'll definitely be getting a quote from Safeco.
by Maven
Fri Feb 14, 2020 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Amica Homeowners Insurance Increase
Replies: 20
Views: 2068

Re: Amica Homeowners Insurance Increase

OP - please update us after your meeting. Same boat and also in Colorado. I recently did a review on Policygenius and they came back that we have the lowest rate they could find us for both home and auto. Our rates went sky high after that hail storm. Hi Maven, I will. Did you have Amica and did yo...
by Maven
Thu Feb 13, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Homeowners Insurance Increase
Replies: 20
Views: 2068

Re: Amica Homeowners Insurance Increase

OP - please update us after your meeting. Same boat and also in Colorado. I recently did a review on Policygenius and they came back that we have the lowest rate they could find us for both home and auto. Our rates went sky high after that hail storm.
by Maven
Thu Jan 23, 2020 9:50 pm
Forum: Personal Consumer Issues
Topic: Baby registry "must haves"?
Replies: 64
Views: 3419

Re: Baby registry "must haves"?

Everyone always covers the basics and forgets the REAL necessities. In order of importance: Velcro swaddles Pajamas with zippers, NOT BUTTONS LOUD white noise machine Blackout curtains You're welcome. This! swaddles with velcro make your life easier. i would add a nose frida. I was scanning for the...
by Maven
Thu Jan 23, 2020 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: What the [heck] happened to MINT?
Replies: 12
Views: 3020

Re: What the [heck] happened to MINT?

I have been using mint.com almost since its inception. It served a need for me for many years. However, over the last few years I’ve become increasingly frustrated with account connection problems. I cam across this article today which mirrors my experience. I am experimenting with a new platform b...
by Maven
Wed Jan 22, 2020 9:32 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27640

Re: Sad news: LadyGeek's husband has passed

Appreciate you sharing this. Anytime I see your name pop up, I always stop to read your posts/comments. This is very helpful as my father has dementia as well as other health issues. Thinking of you and your family.
by Maven
Wed Jan 08, 2020 10:36 pm
Forum: Investing - Theory, News & General
Topic: Has anyone read 'How Money Became Dangerous?'
Replies: 8
Views: 1819

Re: Has anyone read 'How Money Became Dangerous?'

I heard the author on a podcast and the book sounds interesting. Just wondering if it's Boglehead approved? How do I get on the committee that decides what is and what isn't Boglehead approved? New members of this forum may not realize how much diversity of thought exists here. Don't mistake a voca...
by Maven
Wed Jan 08, 2020 2:17 pm
Forum: Investing - Theory, News & General
Topic: Has anyone read 'How Money Became Dangerous?'
Replies: 8
Views: 1819

Has anyone read 'How Money Became Dangerous?'

I heard the author on a podcast and the book sounds interesting. Just wondering if it's Boglehead approved?
by Maven
Sat Jan 04, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: What financial podcasts do you listen to?
Replies: 52
Views: 6556

Re: What financial podcasts do you listen to?

Freakonomics. Once you get past the rookie level, the consumer level shows like Dave Ramsey, Suzy Orman, Cark Howard get repetitious, unless you find the "reality show" aspect of people calling in with their problems entertaining. After 6 months you'll realize you're learning nothing new. Absolutel...
by Maven
Tue Dec 31, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: To what do you owe your ability to forego spending now and save for your future?
Replies: 116
Views: 5201

Re: To what do you owe your ability to forego spending now and save for your future?

I owe it to having my amazing 5.5 year old and almost 4 year old daughters enter my world. I was doing a lot of things right before they came along but no where near to the level that we're at today. Having a child is a gamechanger for sure. Also have to give credit to my mother. She was and still i...
by Maven
Sun Dec 29, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Good, Cheap, Fast - Pick 3
Replies: 20
Views: 2894

Re: Good, Cheap, Fast - Pick 3

Grocery pick up service. It's been free for the holidays but it's normally $4.95. Good, cheap and fast!
by Maven
Sun Dec 29, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5929

Re: Has anyone done Whole 30?

I haven't done Whole 30 but I do follow a paleo-ish eating plan on my own. I've also noticed the financial benefits you mentioned. If you're interested in this, I recommend the Precision Nutrition website. Their infographics are awesome. My New Year's resolution is to reduce our food bill while at t...
by Maven
Wed Dec 11, 2019 10:04 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1704
Views: 221738

Re: Post your Financial Milestone Announcements Here

I'm proud to say that I'm just a couple weeks shy of achieving my New Year's Resolution for 2019. It was to keep a detailed very budget for 12 months straight. I did it! And I don't think I can ever stop doing it now that see such immense value in it. It's provided us with SO much accurate informati...
by Maven
Sun Dec 08, 2019 9:03 am
Forum: Personal Investments
Topic: Invest in bonds vs. prepay mortgage
Replies: 168
Views: 7373

Re: Invest in bonds vs. prepay mortgage

Replying so that I may follow this post. We're grappling with essentially this exact scenario right now. There are so many varied opinions on this topic and they all make sense and are backed by logic, math, etc. I'm inclined to do your 80/10/10 approach to split the difference. Assuming we remain i...
by Maven
Thu Nov 28, 2019 8:37 am
Forum: Investing - Theory, News & General
Topic: "A THANKSGIVING WITH JOHN BOGLE"
Replies: 14
Views: 1680

Re: "A THANKSGIVING WITH JOHN BOGLE"

Happy Thanksgiving to this very intelligent and generous community. I have learned so much from the questions and the answers. THANKFUL.
by Maven
Tue Nov 26, 2019 8:32 am
Forum: Investing - Theory, News & General
Topic: Why would you have cash in a ROTH IRA?
Replies: 18
Views: 2172

Re: Why would you have cash in a ROTH IRA?

Currently, we have $6k in a money market account in one IRA because it's earmarked as Emergency Fund money. We transferred it from our high yield savings account to the IRA so we didn't lose the space for 2019. We keep it in a MM account so we don't risk losing it and we'll invest it as soon as we r...
by Maven
Sat Nov 23, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Iphone [need a new one]
Replies: 23
Views: 2961

Re: Iphone [need a new one]

If you're a Costco member they're having a great sale now on new phones.
by Maven
Sat Nov 23, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Selling truck on Craigslist
Replies: 42
Views: 2163

Re: Selling truck on Craigslist

Sand trap covered most everything but one more thing to do prior to meeting in person might be to ask the interested buyer to send you a photo of themself holding their driver's license so it's clear the faces are a match as well as identity. This also shows proof of a valid driver's license. I have...
by Maven
Thu Nov 14, 2019 12:06 am
Forum: Investing - Theory, News & General
Topic: Help me understand Owl Rock's 7% return
Replies: 16
Views: 1700

Re: Help me understand Owl Rock's 7% return

Thanks all. Your answers are exactly what I expected.
by Maven
Wed Nov 13, 2019 3:37 pm
Forum: Investing - Theory, News & General
Topic: Help me understand Owl Rock's 7% return
Replies: 16
Views: 1700

Help me understand Owl Rock's 7% return

Today a client of mine started chatting about a recent investment he made in Owl Rock. He said it returns 7 - 8%. Out of curiosity, I looked it up and can't quite decipher the facts. I do see a possible 5% sales load and get the concept that they lend money to businesses. Can anyone help explain an ...
by Maven
Tue Nov 12, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to shop for term life insurance
Replies: 8
Views: 618

Re: How to shop for term life insurance

I would also recommend comparing quotes at Policy Genius.
by Maven
Sun Nov 10, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: Underwater Car Loans
Replies: 38
Views: 2561

Re: WSJ: Underwater Car Loans

Insane. I have a brother-in-law who refinanced his house a while back and pulled cash out to pay off two newish vehicles as well as pay off credit card debt. They are now in a bigger, more expensive house and just mentioned the other day that they're looking to replace their vehicles since "they're ...
by Maven
Fri Nov 01, 2019 8:17 am
Forum: Personal Investments
Topic: What to do with RMDs?
Replies: 21
Views: 2523

Re: What to do with RMDs?

Having been the adult child, I really think my parents got it right. This is the type of help they want to provide. I think since they were older when they had their kids, they're finding themselves to be in this in between period of time where their children aren't quite at these stages but the RM...
by Maven
Fri Nov 01, 2019 7:26 am
Forum: Personal Investments
Topic: What to do with RMDs?
Replies: 21
Views: 2523

Re: What to do with RMDs?

If the kids are not currently in a position to max out contributions to their 401k plans, and if those plans have good investment options (low cost diversified index funds), the parents could consider reimbursing kids for additional contributions to their employer plan accounts and/or to their IRAs...
by Maven
Fri Nov 01, 2019 7:02 am
Forum: Personal Investments
Topic: What to do with RMDs?
Replies: 21
Views: 2523

Re: What to do with RMDs?

I’m a bit confused. Do they intend to gift to the kids when they marry and/or purchase homes in the next few years? Or do they want to maximize the kids’ inheritances? I think the real "problem" is that they are forced to take the RMDs but do not need the money to live on. So where to put that mone...