Search found 41 matches

by BlackwaterPark10
Sun Jul 19, 2020 7:20 pm
Forum: Personal Consumer Issues
Topic: For 60k, a X5 or Tesla model Y?
Replies: 63
Views: 6599

Re: For 60k, a X5 or Tesla model Y?

I would get a used Lexus LX
by BlackwaterPark10
Sun Jul 05, 2020 11:19 pm
Forum: Personal Consumer Issues
Topic: Best $10k car for me?
Replies: 32
Views: 2309

Re: Best $10k car for me?

Bike fits in the bed and the back seat with folded up seats of a Honda Ridgeline

So you would have a pickup, with a bed, and a waterproof trunk, that can tow 5500lbs, is 4 wheel drive, and drives super smooth and like a Pilot.
by BlackwaterPark10
Fri Jul 03, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 600
Views: 25167

Re: Bird watchers – what birds are you seeing?

Down here in Florida with all our fun birds gone, it’s butterfly season for us. Have two enclosures coming in for my monarch and eastern swallowtail caterpillars
by BlackwaterPark10
Thu Jul 02, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7861

Re: does anyone have a subscription to youtube tv?

You Tube TV is excellent. Gets all local channels, cable sports and news, etc. I'd do it if they had Washington Nationals games, but there is no way to (legally) stream MASN yet. So, your mileage may vary with sports. Traditional cable providers still win with local sports in many areas unfortunate...
by BlackwaterPark10
Thu Jul 02, 2020 3:45 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7861

Re: does anyone have a subscription to youtube tv?

You Tube TV is excellent. Gets all local channels, cable sports and news, etc. I'd do it if they had Washington Nationals games, but there is no way to (legally) stream MASN yet. So, your mileage may vary with sports. Traditional cable providers still win with local sports in many areas unfortunate...
by BlackwaterPark10
Wed May 27, 2020 6:46 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1070
Views: 64740

Re: What are you listening to now

https://www.youtube.com/watch?v=M4Tena0NvUM Soilwork-The Living Infinite Coincidentally, I clicked this thread to say that I've been listening to Opeth's latest album In Cauda Venenum and saw your username as the latest post. It didn't really grab my attention when it first came out and I've been t...
by BlackwaterPark10
Mon May 25, 2020 4:21 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 88
Views: 5944

Re: New Vehicle: Forester or Rav4 for boglehead couple

Toyota is releasing the Venza in a few months and it looks pretty awesome.
by BlackwaterPark10
Mon May 25, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 600
Views: 25167

Re: Bird watchers – what birds are you seeing?

Any advice to getting birds to eat my suet cakes? I have plenty of woodpeckers, bluejays and cardinals around but they just ignore it. I have it on the same Shepards hook as the bird seed, in the shade, under an oak hammock. It is one of the wild birds unlimited woodpecker tail prop feeders. In my ...
by BlackwaterPark10
Mon May 25, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 600
Views: 25167

Re: Bird watchers – what birds are you seeing?

Any advice to getting birds to eat my suet cakes? I have plenty of woodpeckers, bluejays and cardinals around but they just ignore it. I have it on the same Shepards hook as the bird seed, in the shade, under an oak hammock. It is one of the wild birds unlimited woodpecker tail prop feeders.
by BlackwaterPark10
Thu May 21, 2020 4:41 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 600
Views: 25167

Re: Bird watchers – what birds are you seeing?

Just found this thread, how cool!! Im in SE Florida, so most all our migrants are back up north. Now its just mockingbirds, blue jays, cardinals, red bellied woodpeckers, pileated woodpeckers, and barred owls in the yard. I had a flock (20-30) of painted buntings from late August 2019 until May3rd 2...
by BlackwaterPark10
Wed May 20, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Three years of emergency fund too much in this time?
Replies: 39
Views: 4513

Re: Three years of emergency fund too much in this time?

Really feels like posts like this are brag posts about how wealthy they are
by BlackwaterPark10
Sat Apr 18, 2020 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Workday and HSA contribution
Replies: 8
Views: 515

Re: Workday and HSA contribution

My employer uses Workday and Health Equity for HSA provider with no issues.
by BlackwaterPark10
Fri Apr 17, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Grandparents fund for grandchild-Brokerage, UTMA something else?
Replies: 17
Views: 605

Re: Grandparents fund for grandchild-Brokerage, UTMA something else?

A UTMA account at a brokerage is the way to go. If you simply put it in an account in your name all earnings will be subject to your marginal tax rates. Even with the SECURE Act Kiddie Tax change back to the parents marginal tax rates. That allows dependents with no earned income to pay no taxes on...
by BlackwaterPark10
Fri Apr 17, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Grandparents fund for grandchild-Brokerage, UTMA something else?
Replies: 17
Views: 605

Re: Grandparents fund for grandchild (Brokerage or UTMA) ?

Sounds complex and expensive. Instead, perhaps he can open any account he wants, payable on death to your daughter. If he lives into her college years, there's no stopping him from simply taking that money and paying the college directly for tuition (which does not count towards the federal gift re...
by BlackwaterPark10
Fri Apr 17, 2020 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Grandparents fund for grandchild-Brokerage, UTMA something else?
Replies: 17
Views: 605

Re: Grandparents fund for grandchild (Brokerage or UTMA) ?

It is not a "or" question -the answer is "and" If you child is under 18 then the only real choice is open up a Brokerage UTMA. Brokerage to hold stocks, UTMA because they are under 18. I might be a bit kinder towards Financial Advisers. First, offering quality human advice is ex...
by BlackwaterPark10
Fri Apr 17, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Grandparents fund for grandchild-Brokerage, UTMA something else?
Replies: 17
Views: 605

Re: Grandparents fund for grandchild (Brokerage or UTMA) ?

Sounds complex and expensive. Instead, perhaps he can open any account he wants, payable on death to your daughter. If he lives into her college years, there's no stopping him from simply taking that money and paying the college directly for tuition (which does not count towards the federal gift re...
by BlackwaterPark10
Fri Apr 17, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Grandparents fund for grandchild-Brokerage, UTMA something else?
Replies: 17
Views: 605

Grandparents fund for grandchild-Brokerage, UTMA something else?

Good morning, My father is being very generous and wanting to open a side investment account for my daughter, his grandchild. She already has a 529 that he funded to start through Vanguard, but wants a separate account ($3,000 for now) for her to have. He uses a financial advisor through Ameriprise,...
by BlackwaterPark10
Mon Feb 24, 2020 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Having trouble deciding how to use tax refund
Replies: 12
Views: 520

Re: Having trouble deciding how to use tax refund

Pay off the credit card, no brainer. Then, in the future, stop treating any tax refunds as a windfall. Your spending and saving priorities should not change based on whether you had accurate withholding. I dont treat it as a windfall. It just happened to be a few thousand dollars that would wipe ou...
by BlackwaterPark10
Mon Feb 24, 2020 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Having trouble deciding how to use tax refund
Replies: 12
Views: 520

Re: Having trouble deciding how to use tax refund

Stop lending the government money at 0%. That is pretty much what a tax refund means you are doing. Borrowing at 13% and lending it out to the US Treasury at zero percent. Our refund last year was $37, all we added was a baby thats why the amount jumped. I am fully on board to not give them free mo...
by BlackwaterPark10
Mon Feb 24, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Having trouble deciding how to use tax refund
Replies: 12
Views: 520

Re: Having trouble deciding how to use tax refund

Broken Man 1999 wrote: Mon Feb 24, 2020 10:43 am 1. Pay off your credit cards.
2. Stop lending the government money at 0%. That is pretty much what a tax refund means you are doing.

Broken Man 1999
Our refund last year was $37, all we added was a baby thats why the amount jumped. I am fully on board to not give them free money all year.
by BlackwaterPark10
Mon Feb 24, 2020 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Having trouble deciding how to use tax refund
Replies: 12
Views: 520

Re: Having trouble deciding how to use tax refund

Pay off the cc debt, and mote importantly, don’t run up the card again. Credit card debt will kill your hopes and dreams. It wasn't the plan, but had to empty our entire emergency fund due to medical bills, and then had a roof leak that caused the charges. It's not like I did it for fun things. We ...
by BlackwaterPark10
Mon Feb 24, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Having trouble deciding how to use tax refund
Replies: 12
Views: 520

Re: Having trouble deciding how to use tax return

13%? You're waiting for what? ....and because someone will say it, you mean your tax refund, right? A tax return is that form you fill out and send in to the government in order for them to send you a refund. Thanks for teaching me something! I edited the title! Im only one click away and its paid ...
by BlackwaterPark10
Mon Feb 24, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Having trouble deciding how to use tax refund
Replies: 12
Views: 520

Having trouble deciding how to use tax refund

**Edit** This can be deleted, CC has been paid off. I know what my head says to do, but for some reason I'm struggling doing it. We got our tax return, and have four routes we're considering. 1. Pay off CC and will be 100% debt free minus house 2. Use for down payment on first floor of impact window...
by BlackwaterPark10
Mon Jan 20, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: Our little girl is turning one soon!
Replies: 47
Views: 3532

Re: Our little girl is turning one soon!

Do you own a home? I once knew someone whose dad planted a tree in their yard for each child born. My suggestion for greatest success would be a native tree. As she grows older you can tell her about all of the critters that get to have a home, have something to eat on that tree. Take pictures each...
by BlackwaterPark10
Mon Jan 20, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Our little girl is turning one soon!
Replies: 47
Views: 3532

Our little girl is turning one soon!

Our first and only is turning one soon! She has been so great to us and totally changed our life! I am looking for some ideas and advice. I want to do something memorable for her, or get her something she can remember forever. Any ideas ? Thanks ! **edit** I know she probably won’t remember anything...
by BlackwaterPark10
Mon Aug 05, 2019 3:42 pm
Forum: Personal Investments
Topic: How do I execute my AA?
Replies: 12
Views: 722

Re: How do I execute my AA?

retiredjg wrote: Mon Aug 05, 2019 1:20 pm Yeah. It's easier.
Then why do so many people choose to not use them, and do a three fund, or other mixes?
by BlackwaterPark10
Mon Aug 05, 2019 12:22 pm
Forum: Personal Investments
Topic: How do I execute my AA?
Replies: 12
Views: 722

Re: How do I execute my AA?

I’d put the money in the target fund and enjoy the newborn. They grow up so fast. My newborn just turned 20. :-) +1 Don’t make it more complicated than it needs to be. Not liking a fund based on it being 2% too conservative is just a little nit picky. Keep your life simple with just a target fund o...
by BlackwaterPark10
Mon Aug 05, 2019 11:21 am
Forum: Personal Investments
Topic: How do I execute my AA?
Replies: 12
Views: 722

Re: How do I execute my AA?

retiredjg wrote: Mon Aug 05, 2019 9:13 am The Vanguard website indicates an AA of 90/10 on June 30. If the funds have migrated 2% since then, you could put everything into the 2055 fund.

90% stocks and 10% bonds is plenty aggressive in my opinion.
For some reason I was thinking it was 70/30 already, sorry.
by BlackwaterPark10
Mon Aug 05, 2019 9:07 am
Forum: Personal Investments
Topic: How do I execute my AA?
Replies: 12
Views: 722

Re: How do I execute my AA?

retiredjg wrote: Mon Aug 05, 2019 9:00 am I'd just put the target fund in all the accounts that you have control over.
But from looking at the way the target funds are split up, they don’t appear to be aggressive enough.
by BlackwaterPark10
Mon Aug 05, 2019 8:55 am
Forum: Personal Investments
Topic: How do I execute my AA?
Replies: 12
Views: 722

How do I execute my AA?

Info *33M and 33F married, 1 newborn. *Both employed at a college with 403B, Life insurance, and pension/investment retirement options. *Wife is in pension plan, I am in investment plan. *Both have 403b and Roth IRA's with Vanguard (Maxing IRA, adding $50 a paycheck each to 403) *Gross pay is $108,...
by BlackwaterPark10
Thu Jul 25, 2019 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Handling Emergency to Emergency Fund
Replies: 54
Views: 4355

Handling Emergency to Emergency Fund

Summary of last six months: We had a 4 month emergency fund in place which we were ok with as we have plenty of financial backing from other areas while we slowly were increasing this a hundred or two each paycheck. We were maxing Roth IRAs for the first time ever. First child born in January and go...
by BlackwaterPark10
Mon Jul 01, 2019 10:03 am
Forum: Personal Investments
Topic: Thoughts on my asset allocation plan
Replies: 5
Views: 501

Re: Thoughts on my asset allocation plan

Hello BlackwaterPark10! Other BHs will be better at advising you on tweaking your allocations, but I just have an overall observation: Also, would going all Index US Stocks for a few years be unwise decision since im trying to catch up for some lost years? This indicates you are putting pressure on...
by BlackwaterPark10
Mon Jul 01, 2019 7:53 am
Forum: Personal Investments
Topic: Thoughts on my asset allocation plan
Replies: 5
Views: 501

Thoughts on my asset allocation plan

Info *33M and 33F married, 1 newborn. *Both employed at a college with 403B, Life insurance, and pension/investment retirement options. *Wife is in pension plan, I am in investment plan. *Both have 403b and Roth IRA's with Vanguard (Maxing IRA, adding $50 a paycheck each to 403) *Gross pay is $108,...
by BlackwaterPark10
Sat Jun 29, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 118951

Re: Why are you NOT buying rental properties?

I would love to, but can’t foresee being able to afford to even try this.
by BlackwaterPark10
Fri Jun 28, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 650
Views: 89366

Re: Picking College and College Scholarships

www.irsc.edu Indian River State College in Fort Pierce Fl is a GREAT school to consider. They offer many online degrees, and most impressively just won the Aspen award for being the Best Community College in the USA. Combine that with being one of the five most affordable colleges in the country las...
by BlackwaterPark10
Fri Jun 28, 2019 10:56 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 470
Views: 120629

Re: South Florida Local Chapter

Is there a group north of Palm Beach ? BlackwaterPark10: There is no Florida Bogleheads Chapter north of Palm Beach. We meet at the Hollywood Library, 5-minutes west of I-95. You will have a delightful Sunday lunch. meet many interesting Bogleheads, and learn more about successful investing. Best w...
by BlackwaterPark10
Fri Jun 28, 2019 7:37 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 470
Views: 120629

Re: South Florida Local Chapter

Is there a group north of Palm Beach ?
by BlackwaterPark10
Wed May 15, 2019 10:47 am
Forum: Personal Investments
Topic: Vanguard fund advice for a novice, trying to make "right" decision
Replies: 7
Views: 1487

Re: Vanguard fund advice for a novice, trying to make "right" decision

Something else to consider is tax-efficiency. You mentioned that you have Vanguard TDF's in your Roth account. If you adopt a three-fund portfolio across your various accounts, it makes sense to load up the Roth accounts with nothing but equities. Over time, equities ought to grow more than bond fu...
by BlackwaterPark10
Mon May 13, 2019 2:28 pm
Forum: Personal Investments
Topic: Vanguard fund advice for a novice, trying to make "right" decision
Replies: 7
Views: 1487

Re: Vanguard fund advice for a novice, trying to make "right" decision

Yes, I would switch to Vanguard. 1% ER is expensive. You choose the allocation of your 3-fund approach. It's all in your risk tolerance. There is a separate thread here that is very long but worth reading. https://www.bogleheads.org/forum/viewtopic.php?t=88005 You can also look on Vanguard's websit...
by BlackwaterPark10
Mon May 13, 2019 11:01 am
Forum: Personal Investments
Topic: Vanguard fund advice for a novice, trying to make "right" decision
Replies: 7
Views: 1487

Vanguard fund advice for a novice, trying to make "right" decision

My wife and I are 33 years old, debt free minus the house, and have a 4 month emergency fund we are slowly chipping in some money to increase to 6-8 month range. Our mortgage is on year 11/15 @ 2.7% interest, and payment is around 22% of our take home. We have Roth IRA's with Vanguard, and been work...