Search found 28 matches

by Domadosolo
Thu Oct 17, 2019 2:56 pm
Forum: Investing - Theory, News & General
Topic: Should you invest new $ into Bond ETF or Money Market?
Replies: 1
Views: 440

Should you invest new $ into Bond ETF or Money Market?

Bond ETFs have enjoyed a recent run up over the last year, eg SCHZ prior 12 months = 7.52% [plus Distribution yield TTM of 2.76%].

a) Is it wise to put new $ into a Bond ETF(SCHZ) or a MM (SWVXX) yielding 1.77%.

b) Are there better options for the Non Stock part of the Asset Allocation?

Advice ?
by Domadosolo
Mon Oct 14, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Cold feet - Radiant subfloor heating question
Replies: 26
Views: 2337

Re: Cold feet - Radiant subfloor heating question

My beach house is on a concrete slab and we have in floor radiant heat for the whole house and garages. We have a very efficent boiler and I have to say that this was a best call we ever made. The house has 10 zones and we can heat as much or as little as we wish and the whole deal is warm as toast...
by Domadosolo
Mon Oct 14, 2019 3:42 pm
Forum: Personal Investments
Topic: Advice on 529 for a couple years outlook
Replies: 4
Views: 532

Advice on 529 for a couple years outlook

Kids got into premier schools - yay ! Simultaneously- not a very enthusiastic yay.... it will cost me some $$$ :( ... But it’s education.... So it’s all good. :D Net of existing 529, scholarships, etc, We(spouse and I) plan to contribute $150k from our taxable account into a 529 plan to cover the fo...
by Domadosolo
Mon Oct 14, 2019 9:40 am
Forum: Personal Investments
Topic: What’s the point of a taxable account?
Replies: 62
Views: 6936

Re: What’s the point of a taxable account?

<<Klang, are you 100% in stocks?>> I am 60/40. My Roth IRA is 100% Wellington fund. It is a 65/35 fund. I do not need to care about how the market is doing . I put the money into my Roth IRA's Wellington Fund and adjust my holding in other accounts to keep my AA at 60/40. KlangFool @KlangFool, educ...
by Domadosolo
Thu Oct 10, 2019 8:57 pm
Forum: Personal Investments
Topic: $0 commissions; so what's the best bond ETF? and why?
Replies: 20
Views: 1887

Re: $0 commissions; so what's the best bond ETF? and why?

What is the benefit of a MF vs ETF? If one had $500 or $1000 or $20000 and wanted to leave no money leftover and use all of that money to buy shares in an ETF, could they do it? Could they use all of it to buy shares of a mutual fund? If one wanted to have their broker set it up so that they could ...
by Domadosolo
Thu Oct 10, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Cold feet - Radiant subfloor heating question
Replies: 26
Views: 2337

Re: Cold feet - Radiant subfloor heating question

Back when we lived in northern Ohio, we added subfloor heat to the kitchen area and loved it. Already had hot water circulating heat, so tapped into that with PEX pipe/tube which was clipped to the bottom of the floor on the basement side just like you are describing for your electric elements. Can...
by Domadosolo
Thu Oct 10, 2019 1:23 pm
Forum: Personal Investments
Topic: $0 commissions; so what's the best bond ETF? and why?
Replies: 20
Views: 1887

Re: $0 commissions; so what's the best bond ETF? and why?

How do you figure? Someone DCAing each paycheck could have been buying shares costing hundreds of dollars of commissions. I have never paid any trading commissions on Vanguard ETFs. In this scenario, it does not seem prudent to use a brokerage which is any more expensive. Right. And now the playing...
by Domadosolo
Wed Oct 09, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Cold feet - Radiant subfloor heating question
Replies: 26
Views: 2337

Re: Cold feet - Radiant subfloor heating question

barnaclebob wrote:
Wed Oct 09, 2019 4:08 pm
The subfloor heat will cost a lot more to run and I'm not sure that your feet are cold because of your floors unless you are barefoot. I'm not sure that it works well to "supplement" a gas furnace with floor heat
I think you can call me barefootbob 😃
by Domadosolo
Wed Oct 09, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Cold feet - Radiant subfloor heating question
Replies: 26
Views: 2337

Re: Cold feet - Radiant subfloor heating question

Agree with the sock suggestion, but if you decide to go forward with radiant heat consider limiting coverage to just the bathroom area. Only heat to open floor space; skip the area covered by the vanity, tub and/or shower. When I completed a 2nd floor renovation, I decided to install radiant coils ...
by Domadosolo
Wed Oct 09, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Cold feet - Radiant subfloor heating question
Replies: 26
Views: 2337

Re: Cold feet - Radiant subfloor heating question

Hey There. I understand you have cold feet? Well, I don't have much in the way of input aside from three tidbits: 1) We had a townhome we rented upon moving to Minnesota that had in-floor heating. It was awesome! I don't know what the cost to implement would be. However... 2) May I kindly suggest a...
by Domadosolo
Wed Oct 09, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Cold feet - Radiant subfloor heating question
Replies: 26
Views: 2337

Re: Cold feet - Radiant subfloor heating question

I think it will be more cost effective to use socks and the infamous crocks (which provide their own insulation) Secondary, I would think about either adding insulated flooring to your main level or use insulated tiles as a new flooring surface. But based on your description that the basement has i...
by Domadosolo
Wed Oct 09, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Cold feet - Radiant subfloor heating question
Replies: 26
Views: 2337

Re: Cold feet - Radiant subfloor heating question

oldfatguy wrote:
Wed Oct 09, 2019 2:28 pm
Not really your question, but why is your basement ceiling insulated?
It provides a layer of insulation between me and the unconditioned — cold (or hot in summer) basement temperature. The walkout basement has open ventilation vents and uninsulated walls at the back. 🙁. Its not used much
by Domadosolo
Wed Oct 09, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Cold feet - Radiant subfloor heating question
Replies: 26
Views: 2337

Cold feet - Radiant subfloor heating question

My feet get cold in winter in my house in NC. I have an unfinished basement, with open fiberglass insulation in my basement ceiling. The main level floor is a bit cold in winter, and I want to install subfloor heating, just to take that edge off. This should supplement the natural gas forced air, th...
by Domadosolo
Mon Oct 07, 2019 9:03 am
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

Thoughts to help you buy and hold and not worry about the market going up or down: 1) Every day the market is more like to go up than down. I read a study that the downs are slightly more than the ups which we all know but if you look at the historical returns of the market any given day is stacked...
by Domadosolo
Fri Oct 04, 2019 1:37 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

I think you've proven that you would benefit from having a financial advisor. Find a good one that will talk you out of doing this the next time, because there will be a next time. Good advice, I agree, however, I’ve cycled through a couple FAs. One tried to annuitize my IRA. Another wanted to take...
by Domadosolo
Fri Oct 04, 2019 6:38 am
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

Why target retirement fund instead of 5 etfs? Won’t I be paying too much in fees? Schwab offers Target Date index funds for .08 Thanks, good pointer. I should’ve researched this a bit more before asking. The only thing I don’t like about a target fund is the inability to pick the sector I want to h...
by Domadosolo
Thu Oct 03, 2019 8:00 pm
Forum: Personal Investments
Topic: Vanguard IRA Account Consolidation
Replies: 6
Views: 514

Re: Vanguard IRA Account Consolidation

If you are thinking about a Roth conversation in the future, note that 401K assets are not included in the basis calculation, for taxation of the converted amount. Such a scenario, could potentially imply more $ converted to Roth with lesser immediate taxes. So, if you can keep the 401k in a separa...
by Domadosolo
Thu Oct 03, 2019 7:58 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

abuss368 wrote:
Thu Oct 03, 2019 7:53 pm
With market timing one has to be correct twice: when to get out and when o get back in.
👍
by Domadosolo
Thu Oct 03, 2019 7:56 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

OP, No ETF. Pick a target retirement fund. KlangFool +1 Why target retirement fund instead of 5 etfs? Won’t I be paying too much in fees? Schwab offers Target Date index funds for .08 Thanks, good pointer. I should’ve researched this a bit more before asking. The only thing I don’t like about a tar...
by Domadosolo
Thu Oct 03, 2019 7:48 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

OP, No ETF. Pick a target retirement fund. KlangFool +1 Why target retirement fund instead of 5 etfs? Won’t I be paying too much in fees? Domadosolo, 1) You are not capable of handling 5 ETFs. So, it is pointless to discuss the fees of a plan that you cannot execute. 2) The fees are insignificant a...
by Domadosolo
Thu Oct 03, 2019 7:46 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

I suggest buying back in now with an AA you're actually comfortable with. +1. Also, make sure you allocate some of this to international stocks. US stocks, in my opinion, are mighty expensive. I invest in them, but I dollar-cost-average every two weeks via my 403(b), and I plan on working at least ...
by Domadosolo
Thu Oct 03, 2019 7:45 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

I have all my IRA in MM. Suggestions for getting back in the market? ETFs? Why did i pull out? I wanted to hedge some market downside, anticipating a 5% drop with the global uncertainty, knowing i could miss a 5% upside I didn't pull out of the taxable assets due to tax issues, Silly me, pulled out...
by Domadosolo
Thu Oct 03, 2019 11:13 am
Forum: Personal Investments
Topic: Vanguard IRA Account Consolidation
Replies: 6
Views: 514

Re: Vanguard IRA Account Consolidation

If you are thinking about a Roth conversation in the future, note that 401K assets are not included in the basis calculation, for taxation of the converted amount. Such a scenario, could potentially imply more $ converted to Roth with lesser immediate taxes. So, if you can keep the 401k in a separat...
by Domadosolo
Thu Oct 03, 2019 7:50 am
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

anoop wrote:
Thu Oct 03, 2019 12:19 am
I pulled out in Feb 2008 and never got back in, so I can't help you. :)
I hear you
by Domadosolo
Thu Oct 03, 2019 7:47 am
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

UpperNwGuy wrote:
Thu Oct 03, 2019 7:05 am
KlangFool wrote:
Wed Oct 02, 2019 12:47 pm
OP,

No ETF. Pick a target retirement fund.

KlangFool
+1
Why target retirement fund instead of 5 etfs?
Won’t I be paying too much in fees?
by Domadosolo
Wed Oct 02, 2019 5:35 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

Nah - I would wait... If you're already out, no need to rush to get back in. A 5%-10% run-up won't be missed. On the other hand, a 20% drop or more would do damage to your portfolio. How to get in? No perfect method. Just buy in 10% of the cash during RBD (Really Bad Days) where market dropped 1.5%...
by Domadosolo
Wed Oct 02, 2019 5:32 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

Re: I pulled out... How do I get back in?

Bad news always gets more clicks/views/ratings than good news. This is actually something I wonder...is there a news channel out there that intentionally shows the good news ? I know Adriana had such a plan, but have not heard from that in a while....but if such thing existed, I would watch it - mo...
by Domadosolo
Wed Oct 02, 2019 11:17 am
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13638

I pulled out... How do I get back in?

I have all my IRA in MM. Suggestions for getting back in the market? ETFs? Why did i pull out? I wanted to hedge some market downside, anticipating a 5% drop with the global uncertainty, knowing i could miss a 5% upside I didn't pull out of the taxable assets due to tax issues, Silly me, pulled out ...