Search found 43 matches

by CurledMoss
Sat Dec 28, 2019 3:45 pm
Forum: Personal Investments
Topic: Should I sell my farmland and buy stocks?
Replies: 65
Views: 5123

Re: Should I sell my farmland and buy stocks?

I didn't read through all the comments but anyways. I went to school for a few semesters at DSU so hello neighbor. Currently live near Marshall Minnesota. I own free and clear about 155 acres tillage and another 25-30 CRP. If you sold I'm assuming you'd pay killer income taxes or capital gain. You s...
by CurledMoss
Sat Dec 14, 2019 8:23 pm
Forum: Personal Investments
Topic: Expense Ratio and Management Fees
Replies: 12
Views: 761

Re: Expense Ratio and Management Fees

I removed an off-topic post and several replies. As a reminder, see: General Etiquette This is a moderated forum. We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones. ...At all times we must conduct our...
by CurledMoss
Sat Dec 14, 2019 8:12 pm
Forum: Personal Investments
Topic: HELP!!! Vanguard locked my account
Replies: 54
Views: 7969

Re: HELP!!! Vanguard locked my account

Sounds like good security. I'm adding more to vanguard
by CurledMoss
Sat Dec 14, 2019 11:16 am
Forum: Personal Investments
Topic: Expense Ratio and Management Fees
Replies: 12
Views: 761

Re: Expense Ratio and Management Fees

Curious as well. Glanced through my mothers investments and had them listed the same way... She was so determined to not listen to any advice from me I closed out of it and walked away.
by CurledMoss
Sat Dec 07, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Car Cost vs Yearly Living Expenses
Replies: 97
Views: 5103

Re: Car Cost vs Yearly Living Expenses

You can get a nice brand new car for 16k or less during the new years/Christmas deals Keep what you have. Nissans are dead silly cheap to replace major components. My son had a 350Z for a few years (I actually owned it and repaired it, he drove it) and it was amazing how cheap stuff was. For the cos...
by CurledMoss
Thu Dec 05, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on how to go about quitting job?
Replies: 28
Views: 2655

Re: Thoughts on how to go about quitting job?

I would wait until I accepted another job offer. Thanks for the advice everyone. I think it's not as big of a deal as I'm making it out to be.
by CurledMoss
Thu Dec 05, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on how to go about quitting job?
Replies: 28
Views: 2655

Re: Thoughts on how to go about quitting job?

Sounds like best option is to work out the remaining two weeks then cash out the PTO.

If I got another job...
by CurledMoss
Thu Dec 05, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on how to go about quitting job?
Replies: 28
Views: 2655

Re: Thoughts on how to go about quitting job?

Correct on this being the first full time job I ever quit. Before I was self employed and did a few seasonal jobs. The reason I would be nervous is all the co-workers might be [angry] that I'm already quitting. After they spent time showing the greenhorn around and how to do his job. That and they w...
by CurledMoss
Thu Dec 05, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on how to go about quitting job?
Replies: 28
Views: 2655

Thoughts on how to go about quitting job?

I'm orginally from the countryside and accepted a position in the suburbs (public works) to try something new and a different change of pace. 6 months later I'm thinking the cities is not for me... A position back home might be available to apply for in a few weeks time. If I interviewed for the pos...
by CurledMoss
Sat Nov 30, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Why I love banks
Replies: 79
Views: 10084

Re: Why I love banks

Just because you don't write check dosen't mean nobody else does. I own a business and write them often What kind of useful perk is free checks? I don't think I write more than 5 checks a year. Isn't it 2019? Btw, Walmart will let you get about 150 checks for $8.50. I ordered checks about 5 years ag...
by CurledMoss
Wed Nov 27, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: I wish I could ignore it...but I can't (ZILLOW!)
Replies: 68
Views: 9529

Re: I wish I could ignore it...but I can't (ZILLOW!)

Dosen't zillow buy houses now? Buy low sell high 🤣
by CurledMoss
Mon Nov 25, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Third party opinion on Tesla Model 3 purchase or lease
Replies: 33
Views: 2391

Re: Third party opinion on Tesla Model 3 purchase or lease

fareastwarriors wrote: ↑
Mon Nov 25, 2019 4:17 pm
Stick with the Uber. If you hate driving, driving a Tesla is nicer and easier but still driving.

I use Autopilot all the time on freeways but you're still driving and have to deal street driving.
If you are behind me and I swerve last second to avoid a car or a barrier, you dead
by CurledMoss
Thu Nov 21, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: AWD Camry
Replies: 52
Views: 6406

Re: AWD Camry

AWD is cool and all, but I'd pretty much avoid it unless you're in a climate that receives a lot of rain and/or really bad weather all the time. AWD systems add to the bottom cost of the vehicle, are more complex systems that cost more to repair when they break, consume more gas, and even in bad we...
by CurledMoss
Mon Nov 11, 2019 3:14 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 174
Views: 12836

Re: Investing $140k in cash at 1k per week

If you don't feel comfortable with all at once try it over 12 months. Invest on the first of each month and if it crashes then go all in. That way you are not 100% wrong or 100% right in your decision. And not leaving money on the table for that extra year doing nothing.
by CurledMoss
Mon Nov 11, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Anyone had their house repiped?
Replies: 32
Views: 3651

Re: Anyone had their house repiped?

Yeah I redid most of my copper piping about 6 months ago. Mine was getting thin in at least one spot.... House from the 80's I believe. I decided instead of coming home to a flooded basement to drop some $ and redo it with PEX. That way I can sleep at night. I didn't spend much. Maybe $1,500. I don'...
by CurledMoss
Wed Nov 06, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Electric shavers - foil vs rotary
Replies: 24
Views: 2153

Re: Electric shavers - foil vs rotary

tchoupitoulas wrote: ↑
Wed Nov 06, 2019 1:30 pm
I have used both and the rotary used to chew up my neck pretty badly.

Amen only thing for neck is a blade
by CurledMoss
Wed Nov 06, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Electric shavers - foil vs rotary
Replies: 24
Views: 2153

Re: Electric shavers - foil vs rotary

I use the razer blades straight edge You can buy 100 pack for less than $10. I figured it clost me less than $5 a year to shave
by CurledMoss
Tue Nov 05, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: payoff period for viable solar ?
Replies: 17
Views: 1030

Re: payoff period for viable solar ?

When I penciled it out a few years ago it was around 13 years with no loan, cash. That was where they charge a grid access fee. Now a county away they didn't charge a grid access fee, and xcel energy also paid you 9 or 11 cents per kwh produced. Making roi about 7 years. I had priced between 20-40 k...
by CurledMoss
Sat Nov 02, 2019 8:29 am
Forum: Personal Investments
Topic: Mortgage or Bonds at 50 !
Replies: 36
Views: 2884

Re: Mortgage or Bonds at 50 !

Dang can't imagine the property taxes on that.
by CurledMoss
Mon Oct 28, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4677

Re: New Computer with or without SSD?

With the end of support for Windows 7 coming in January What support do you need? I've had my Windows 7 computer for 3 years and have never contacted Windows support. On the contrary, I get calls from Microsoft support all the time. The support needed are security update patches. I would not want t...
by CurledMoss
Mon Oct 28, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4677

Re: New Computer with or without SSD?

CurledMoss wrote: ↑
Mon Oct 28, 2019 5:33 pm
My first SSD was many moons ago. It cost like $300 for an 80gb and outlasted the computer. If it don't have an ssd not worth my time to use it.
I may have even used the ssd in the second computer for awhile. That was like a gen 2 intel ssd. They've come a long ways.
by CurledMoss
Mon Oct 28, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4677

Re: New Computer with or without SSD?

My first SSD was many moons ago. It cost like $300 for an 80gb and outlasted the computer. If it don't have an ssd not worth my time to use it.
by CurledMoss
Wed Oct 23, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1357
Views: 152749

Re: What frugal thing did you do today?

Dumpster diving at work and found a nice glassware pan. From police evidence locker i guess. Cooked chicken on it tonight.
by CurledMoss
Sun Sep 29, 2019 5:44 am
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 5102

Re: How much cash do you keep in your HSA?

The absolute minimum to open hsa investments. Which is $1000. 15k in my hsa investment. I plan on maxing it out for the next 30 years. If i don't need it for health premiums in retirement then can roll into a traditional ira.
by CurledMoss
Wed Sep 25, 2019 6:50 am
Forum: Personal Investments
Topic: retiring abroad with savings worth 200k...
Replies: 101
Views: 15615

Re: retiring abroad with savings worth 200k...

Could teach English online as a side income a few hours a day, $20 an hour or so. I'd do it here in the states first to get the ball rolling and see if it's possible and that you enjoy it. I'd think with that much free time you'd be bored out of your mind. Unless you are a writer, farming on the sid...
by CurledMoss
Sun Sep 15, 2019 6:13 pm
Forum: Personal Investments
Topic: Are my 403 and 457 worth the fees?
Replies: 28
Views: 1353

Re: Are my 403 and 457 worth the fees?

Here's a different answer. If you are single and will be getting a pension, you should not be filling both accounts in the first place...unless one is Roth. Filling two tax-deferred accounts can result in too much in tax deferral. Unless you retire quite early or are starting your savings quite lat...
by CurledMoss
Sun Sep 15, 2019 8:17 am
Forum: Personal Investments
Topic: Are my 403 and 457 worth the fees?
Replies: 28
Views: 1353

Re: Are my 403 and 457 worth the fees?

Wow that's a hard pill to swallow. My 457b is .1% and institutional large vanguard shares at .03%. Total of .13%. And I feel that's high compared to vanguards zero fee and .04% on vtsax
by CurledMoss
Sun Sep 15, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 6981

Re: Do you trust Microsoft updating your Windows 7 machine?

Windows 7 is 10 years old. Windows 10 was offered as a free upgrade and I took it on my desktop and laptop. It works well. It's no longer free to upgrade. IMO you should have done so for free. Not all PC's were compatible with Windows 10. The compatability list of laptops to successfully upgrade fr...
by CurledMoss
Sun Sep 15, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 6981

Re: Do you trust Microsoft updating your Windows 7 machine?

Windows 7 is 10 years old. Windows 10 was offered as a free upgrade and I took it on my desktop and laptop. It works well. It's no longer free to upgrade. IMO you should have done so for free. Not all PC's were compatible with Windows 10. If your machine is that old it's likely obsolete and slow an...
by CurledMoss
Sun Sep 15, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: Bogleheads, how are your three fund portfolios doing?
Replies: 45
Views: 5035

Re: Bogleheads, how are your three fund portfolios doing?

Look yourself with portfoliovisualizer backtesting....
by CurledMoss
Sun Sep 15, 2019 8:04 am
Forum: Personal Investments
Topic: Where to deploy a lump sum
Replies: 7
Views: 807

Re: Where to deploy a lump sum

Can at least do high interest savings account that yields 2.15% or so. What's the math? Like 70% of the time you are better off investing the entire lump sum at once. 16.6k each month for 12 months in a large index. You will get the 1 year average. I have same situation as you. So far I have been ma...
by CurledMoss
Wed Jul 31, 2019 5:14 pm
Forum: Personal Investments
Topic: Portfolio Advice, New Options Available
Replies: 10
Views: 593

Re: Portfolio Advice, New Options Available

After doing some research. It looks like roth is the way to go. In retirement the rental land will bring in say around 30k. A traditional account could still be used to hit 39k (12% bracket), then if anymore cash is needed pull from the roth. Does this make sense? Not really. How much balance do yo...
by CurledMoss
Wed Jul 31, 2019 4:52 pm
Forum: Personal Investments
Topic: Portfolio Advice, New Options Available
Replies: 10
Views: 593

Re: Portfolio Advice, New Options Available

After doing some research. It looks like roth is the way to go. In retirement the rental land will bring in say around 30k. A traditional account could still be used to hit 39k (12% bracket), then if anymore cash is needed pull from the roth. Does this make sense?
by CurledMoss
Wed Jul 31, 2019 4:12 pm
Forum: Personal Investments
Topic: Portfolio Advice, New Options Available
Replies: 10
Views: 593

Re: Portfolio Advice, New Options Available

I don't really plan on the hardship... It was just an example. For early retirement I probably wouldn't draw from retirement accounts. Just move to a more affordable country and live off the land income.
by CurledMoss
Wed Jul 31, 2019 12:12 pm
Forum: Personal Investments
Topic: Portfolio Advice, New Options Available
Replies: 10
Views: 593

Re: Portfolio Advice, New Options Available

Sorry for not being clear. I'm able to keep my total income at around 135k each year, actually more like 120k or whatever max is before you can't contribute to ROTH. My plan is to stay in that lower income tax bracket, as you said. I forgot to mention I have a few acres of land that will generate 25...
by CurledMoss
Tue Jul 30, 2019 5:06 pm
Forum: Personal Investments
Topic: Portfolio Advice, New Options Available
Replies: 10
Views: 593

Re: Portfolio Advice, New Options Available

One more thing to add. It looks with an Individual 401k you can contribute 25% as the employer and $19,000 as an employee. Which could be 19k more than a SEP.
by CurledMoss
Tue Jul 30, 2019 4:55 pm
Forum: Personal Investments
Topic: Portfolio Advice, New Options Available
Replies: 10
Views: 593

Portfolio Advice, New Options Available

Hello, fellow Bogleheads! I'm 33 years old and starting investing in stocks 3 years ago. Before that, I was investing in a self-employed business. I'm slowly liquidating the business taking in around 135k for the next 5 years. After that, I will be taking in around 90k. I have recently started a new...
by CurledMoss
Sun Jul 28, 2019 9:26 am
Forum: Personal Investments
Topic: Investment advice for my 33 year old son.
Replies: 10
Views: 1172

Re: Investment advice for my 33 year old son.

Another option might be a SEP IRA
by CurledMoss
Sun May 19, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: Wouldn't this make Traditional IRA far superior to Roth?
Replies: 82
Views: 8718

Re: Wouldn't this make Traditional IRA far superior to Roth?

Thanks, everyone. This has given me a lot to think about.
by CurledMoss
Sun May 05, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4369
Views: 841442

Re: What's Your Credit Card Rewards Strategy?

When I do buy a coffee outside of the home. I use the cash card. Gives me $1 off so coffee costs are sometimes less than $1. Might be 86 cents instead of $1.86. Good card.
by CurledMoss
Fri May 03, 2019 7:22 am
Forum: Investing - Theory, News & General
Topic: Wouldn't this make Traditional IRA far superior to Roth?
Replies: 82
Views: 8718

Wouldn't this make Traditional IRA far superior to Roth?

This is my first time posting on here. Be gentle :wink: I have been putting my money into a Roth account for the last 3 years but this is really bothering me. If you have $5,500 to invest post-tax every year, would it make more sense to invest in a traditional ($5,500 pre-tax). Then if you are in a ...