Search found 73 matches

by Onlineid3089
Fri Oct 16, 2020 5:00 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 73
Views: 5399

Re: Bogleheads are good at market timing

Here are a few of many examples of false alarms: April 2010 Time To Sell Stocks? Is the party over? Today's extreme drop is scary. Is it only the beginning? January 2013 Overvalued Equities ... US equities are 40 to 50 percent overpriced. November 2013 Advice: Should I invest when Stocks are at all...
by Onlineid3089
Fri Oct 16, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: Would you buy the newest Apple Watch if it's priced at $140?
Replies: 30
Views: 1959

Re: Would you buy the newest Apple Watch if it's priced at $140?

I wouldn't unless the battery life is dramatically improved from where the apple watch used to be. Personally I don't care for most smart watch functions beyond calendar alerts so I'm still sticking with my five year old Garmin Vivoactive that still lasts about three weeks if I'm not using GPS. I un...
by Onlineid3089
Fri Oct 16, 2020 10:30 am
Forum: Personal Investments
Topic: HSA - Is this Considered part of your retirement
Replies: 34
Views: 1864

Re: HSA - Is this Considered part of your retirement

I do. My workplace doesn't offer a 401k/403b/457b, just our mandated state pension. Due to that I'm limited on tax advantaged space so these dollars are all kept for long term savings in the same target date fund as all of our other tax advantaged accounts. Any healthcare expenses are paid through r...
by Onlineid3089
Fri Oct 16, 2020 10:19 am
Forum: Personal Investments
Topic: Extra $1000 a month. What do I do?
Replies: 38
Views: 2936

Re: Extra $1000 a month. What do I do?

Luckily we both are teachers. I could not handle being in Admin 8-) 1. We have never spent much on cars. We typically spend $3000 on a used Honda. We typically drive them 3 years and are able to resell for $2500 and repeat process every 3 years. I love used Honda’s. 2. Luckily our house is in great...
by Onlineid3089
Thu Oct 15, 2020 1:44 pm
Forum: Personal Investments
Topic: Extra $1000 a month. What do I do?
Replies: 38
Views: 2936

Re: Extra $1000 a month. What do I do?

Luckily we both are teachers. I could not handle being in Admin 8-) 1. We have never spent much on cars. We typically spend $3000 on a used Honda. We typically drive them 3 years and are able to resell for $2500 and repeat process every 3 years. I love used Honda’s. 2. Luckily our house is in great...
by Onlineid3089
Thu Oct 15, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: Big Mac Index and Bogleheaders' Thoughts on it
Replies: 41
Views: 2962

Re: Big Mac Index and Bogleheaders' Thoughts on it

McDonald is to restaurants what Kohl’s is to department stores. You never pay the price on the tag. Therefore the menued price is irrelevant. The Big Mac may “list” at $5.11 but I just bought one last week for $2. I always do the survey on the receipt so I always get them buy one get one free :beer
by Onlineid3089
Mon Oct 12, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Rent a goat to clear/maintain a field?
Replies: 67
Views: 5633

Re: Rent a goat to clear/maintain a field?

OP here: So... I watched a ton of youtube video on goats clearing brush. It is fascinating to watch these amazing creatures. Something I learned (and this might have also been stated in someone's comment above) is that goats need something to guard them against predators. A guard donkey or guard ll...
by Onlineid3089
Mon Oct 12, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: 6.7" Phone too big?
Replies: 26
Views: 2604

Re: 6.7" Phone too big?

Is that the actual size of the phone or the size of the screen? My current phone says it is 6.4", but it doesn't have much space that isn't screen so it isn't much bigger overall than my last phone that was maybe a 5.2" screen. Honestly, my current phone is probably about as big as I think I'd prefe...
by Onlineid3089
Fri Oct 09, 2020 2:01 pm
Forum: Personal Investments
Topic: I need help with replicating a retirement pension
Replies: 15
Views: 2041

Re: I need help with replicating a retirement pension

gwe67 wrote: Fri Oct 09, 2020 1:12 pm No kids, no disability? Wife needs to get a job.
This is my line of thinking. It isn't obvious to me how your current portfolio would be sufficient for retirement given that it needs to last long enough for a 40 year old.
by Onlineid3089
Thu Oct 08, 2020 11:51 am
Forum: Personal Investments
Topic: When to start investing
Replies: 13
Views: 971

Re: When to start investing

If it is my stated plan to have it all invested, I would put it all in today.
by Onlineid3089
Thu Oct 08, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Mental Struggle - "Do I make enough?"
Replies: 35
Views: 1852

Re: Mental Struggle - "Do I make enough?"

A single person, presumably no kids, in a low cost of living area who makes 180k and constantly struggles? There must be something you haven't shared yet??? What exactly is this constant struggle?
by Onlineid3089
Thu Oct 08, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Would you rather be the richest or poorest person in town?
Replies: 109
Views: 7894

Re: Would you rather be the richest or poorest person in town?

I'd rather not be the richest or poorest person, but if those are the choices I'd personally choose town A. However, I would not buy the most expensive house.
by Onlineid3089
Wed Oct 07, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Single family home for $10000? How?
Replies: 8
Views: 977

Re: Single family home for $10000? How?

At this point we could say they have it over priced since it is still on the market.
by Onlineid3089
Tue Oct 06, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Which commuting route is, financially speaking, better?
Replies: 23
Views: 1949

Re: Which commuting route is, financially speaking, better?

I can't imagine it makes much of a difference either way. I'd probably change it up randomly just to keep the body guessing.
by Onlineid3089
Sun Oct 04, 2020 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Target Savings?
Replies: 64
Views: 7886

Re: What is your Target Savings?

After maxing out 2x 401k, 1x 457, 1x 529, 2x backdoor roth ira and 1xHSA that's $83,600 of tax advantaged/deferred savings. So we save about $7k/mo tax adv/def, live off of about $6k/mo with ~85k/mo post tax income for a 93-94% savings rate. About $100k is kept in emergency fund/discretionary spend...
by Onlineid3089
Sun Oct 04, 2020 12:16 pm
Forum: Investing - Theory, News & General
Topic: What fund(s) are in your taxable account?
Replies: 138
Views: 9764

Re: What fund(s) are in your taxable account?

Currently 100% VTSAX in our taxable account. Might start adding some VTIAX when we hit 100,000 in taxable. That'll probably be at least a year and a half down the road so haven't given it serious consideration yet.
by Onlineid3089
Fri Oct 02, 2020 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Potential Family Land Sale - 120 Acres Austin, TX Area
Replies: 51
Views: 5443

Re: Potential Family Land Sale - 120 Acres Austin, TX

" Your description tells the story that the current value is really nothing compared to what it will be soon." I came here to say this. Austin has been and will continue to grow. It's basically SFO or NYC for cool young tech people without income taxes. Plus houses are not 1M+ for a starter home . ...
by Onlineid3089
Fri Oct 02, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: If you have a pension, how do you view it?
Replies: 190
Views: 12686

Re: If you have a pension, how do you view it?

Being mid 30s I don't do serious retirement planning calculations as the unknowns 20+ years out are too big to make it worth spending any time on it, in my opinion. In the few extremely general projections I've done it is viewed as an income stream based on my state's pension calculator for what my ...
by Onlineid3089
Wed Sep 30, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a lake house with my parents
Replies: 37
Views: 3597

Re: Purchasing a lake house with my parents

I don't get how it would even work having two homes that you plan to rent out a good portion of the year with nothing being just 'yours'. Even simple things like decorations. I'd be ok with nothing, or just generic decorations. My wife would not, so our house is full of pictures of our family. Would...
by Onlineid3089
Mon Sep 28, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Investing and Saving Considerations for Single Guy
Replies: 50
Views: 3602

Re: Investing and Saving Considerations for Single Guy

"I have seen studies suggesting that having a spouse is worth millions over the lifetime of a marriage. You might laugh at the though of a spouse driving you out to some out-patient surgery, but the cost of replicating that privately is high. Hospitals won't let you take a Uber home after you take ...
by Onlineid3089
Wed Sep 23, 2020 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16008

Re: Physicians: Should I leave my job?

Let's say you generate 1000 wRVUs per month, every month. For calendar years 2019-2021 you generate 12k wRVUs each year. Why does it matter if there is a two month lag in the tally? In that case, your total wRVUs for 2020 would be the 12 month period from November 2019 - October 2020. It should sti...
by Onlineid3089
Mon Sep 21, 2020 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Hospital bill for deceased parent...received 2 years later.
Replies: 67
Views: 7299

Re: Hospital bill for deceased parent...received 2 years later.

If it's not an enormous amount and it's legitimate why wouldn't you just pay it and move on? My father in law has been in the hospital a few times since then and his bill has never been more than $25 due to insurance/Medicare. This was deemed Not Eligible for insurance. The charge just says “hospit...
by Onlineid3089
Fri Sep 18, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 66
Views: 5211

Re: Relocation - CO considerations?

Denver is a fun place to visit. Not somewhere I would personally choose to live.
by Onlineid3089
Fri Sep 18, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 6039

Re: Ring for a new girlfriend

I feel like getting her a non-engagement ring is odd. I'd probably go with a necklace or bracelet instead, but that's just me.

Most of the jewelry i have gotten for my wife has been through Brilliant Earth. She seems happy with it.
by Onlineid3089
Fri Sep 18, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 13156

Re: Grocery store didn't tell me Shingrix was $160

Not always. My wife had to pay over $300 for her co-pay for just the first shot administered at her doctor's office. She called her part D provider and they told her that her co pay would have been $170 ish if she had the shot at her pharmacy. The doctors office doesn't bill to prescription insuran...
by Onlineid3089
Wed Sep 16, 2020 5:49 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 13156

Re: Grocery store didn't tell me Shingrix was $160

I'll be paying $20 to get the first shot tomorrow at Publix. So far as OP's issue: 1. The price of $160 doesn't seem to be a rip-off price at all ( which OP is NOT suggesting ), so that was good. 2. I subscribe to the notion that I am the only one responsible for looking out for WHERE my dollars an...
by Onlineid3089
Tue Sep 15, 2020 11:01 am
Forum: Personal Investments
Topic: Struggling Over whether to Sell my Tesla Stock
Replies: 73
Views: 5478

Re: Struggling Over whether to Sell my Tesla Stock

If I were in your shoes, I would sell half and immediately transfer the proceeds into some index; and let the other half run (or sink, as the case maybe). If it runs - and reaches the current total - again, I would sell half. If it sinks ... maybe I would sell if it sinks 50%. Note that this is a h...
by Onlineid3089
Tue Sep 15, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: Retirement home Job opportunity for teenager / pros cons
Replies: 18
Views: 943

Re: Retirement home Job opportunity for teenager / pros cons

I think you are over concerned. Work experience is great for a teen, and this job is as safe as any a teen with absolutely no experience is likely to get. I would argue this one is a whole lot safer than other entry level jobs with no experience or education requirements - restaurant, retail, etc. I...
by Onlineid3089
Tue Sep 08, 2020 12:06 pm
Forum: Personal Investments
Topic: ROTH vs. Traditional - How Did You Choose?
Replies: 34
Views: 2123

Re: ROTH vs. Traditional - How Did You Choose?

I chose Roth for the IRAs because my job is covered by my state's pension. That will fill up the lower tax brackets, and I don't anticipate any years of low income to do conversions. We do traditional in my wife's 401k and also treat the HSA and taxable account as retirement funds.
by Onlineid3089
Mon Aug 31, 2020 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Why earnings after the age 60 are not indexed ?
Replies: 11
Views: 2131

Re: Why earnings after the age 60 are not indexed ?

The oblivious Investor ( Mike Piper) sent out an email to his subscribers "How Do Social Security Inflation Adjustments Work?". There he has this paragraph: Earnings after age 60 are not indexed. In most cases this means that earnings after age 60 actually count for more than they would if they wer...
by Onlineid3089
Tue Aug 25, 2020 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16767

Re: Do you talk to your friends/family/coworkers about this stuff?

Outside my wife, my mother is the only person I talk about any financial specifics with. She's been in a similar career path for a few decades so her input on jobs/salaries, etc is very valuable to me. I'd be fine talking about it with my dad or brother, but none of us have ever felt the need to eve...
by Onlineid3089
Mon Aug 17, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: COVID pushing UP Vacation Home Timeline?
Replies: 12
Views: 1575

Re: COVID pushing UP Vacation Home Timeline?

I'd suggest becoming friends with the owners of that AirBNB and see if you can work out a decent deal if you stay there some minimum amount of weeks/weekends per year. With it being three hours away you won't be going every weekend. I don't know what you consider to be a large lot, but if it really ...
by Onlineid3089
Mon Aug 03, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?
Replies: 66
Views: 6869

Re: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?

I wouldn't do it. Too far away, and buying with family in this situation sounds like conflict waiting to happen for a lot of reasons. Back when I was a child my parents looked at lots of nice lake houses all over Minnesota. Ended up buying a place that wasn't all that nice on a lake that wasn't all ...
by Onlineid3089
Wed Jul 15, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: 4-year-old Corolla on long trip
Replies: 51
Views: 3607

Re: 4-year-old Corolla on long trip

If the car is in good shape I wouldn't even give it a second thought. I'd drive my 06 Canyon with way more miles to Hawaii if they ever got that bridge done :P
by Onlineid3089
Thu Jul 02, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: New Vehicle Suggestions - need more utility
Replies: 55
Views: 4102

Re: New Vehicle Suggestions - need more utility

I drive a Canyon and it's been great for my needs. If I was open to an SUV and considering new I would wait to take a look at the new Bronco that is set to be unveiled in a week or so :beer
by Onlineid3089
Wed Jun 17, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)
Replies: 39
Views: 2554

Re: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)

I may be wrong, but it feels like people are replying with the impression that is bigger than it really is. We had a case 220 and 444 as our lawn mowers on the farm growing up. No, I probably would not buy that. It will do a handful of things for you, but it won't be good at any of them. I'd suggest...
by Onlineid3089
Wed Jun 17, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8173

Re: Would you rent your house to a famous athlete?

I wouldn't, but not because of anything to do with the individual. I have no desire to be a landlord so I wouldn't rent to anyone.

As mentioned above, I'd offer to sell it to them.
by Onlineid3089
Fri Jun 12, 2020 5:08 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 499
Views: 30754

Re: What fun car should I get in the $150k - $200k range?

I'd save some money and buy a Raptor for now and trade that in on the highest trim for the 2nd year of the new Bronco when that is available. Or maybe I'd just get both if I had the garage space 8-)
by Onlineid3089
Fri Jun 12, 2020 5:01 pm
Forum: Personal Consumer Issues
Topic: Tipping why % of bill and not flat amount?
Replies: 159
Views: 9440

Re: Tipping why % of bill and not flat amount?

We don't eat out a ton, but my wife and I have both worked in restaurants in the past. She was front of house, I was one of those fun kitchen staff guys :wink: We usually tip pretty well if the service is at least ok. If my state would require wait staff to be paid minimum wage like some others I wo...
by Onlineid3089
Fri Jun 12, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: Online Ammo purchase recommendation
Replies: 53
Views: 5534

Re: Online Ammo purchase recommendation

Probably isn't too much for great prices or rebates to be had right now. Buying in bulk helps on pricing, especially if you don't get free shipping. gun.deals works pretty well. I also have the wikiarms app. Usually I just end up buying from Academy.com, Natchezss.com, palmettostatearmory.com, or sg...
by Onlineid3089
Fri Jun 05, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: Anyone not bother with Tax Loss Harvesting?
Replies: 116
Views: 7509

Re: Anyone not bother with Tax Loss Harvesting?

We don't. Our taxable account isn't that big, so outside the last few months there's never been a loss worth doing anything with. I also have a monthly purchase scheduled so I believe I'd want to have it planned out well in advance to change that to avoid the wash sale issues as mentioned above.
by Onlineid3089
Thu Jun 04, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for a 23 year old
Replies: 35
Views: 1820

Re: Life Insurance for a 23 year old

I wouldn't get it yet in your situation. No debt, no kids, and still plenty young enough that if you're in decent health you should still be able to get a great rate 10 years down the road.

I'd take out term life when you have kids. I'd also give it some consideration if you take on a mortgage.
by Onlineid3089
Thu Jun 04, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: Do I have a bad car battery or just needs to be charged more often?
Replies: 30
Views: 1539

Re: Do I have a bad car battery or just needs to be charged more often?

That battery is probably pretty old from what you've said, just replace it. Then actually drive it with a little regularity or put a maintainer on it.
by Onlineid3089
Thu Jun 04, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my job yesterday
Replies: 68
Views: 11948

Re: Lost my job yesterday

Best offer I received as of yesterday was a job almost an hour and half drive away that offered 46 hours every two weeks. Sorry to hear of this unexpected news. If this 46 hours can be aggregated such that you are making that long commute for 2 or 3 days each week, then I would be tempted to take t...
by Onlineid3089
Wed Jun 03, 2020 10:51 am
Forum: Personal Investments
Topic: Which budgeting software do you use ?
Replies: 66
Views: 3701

Re: Which budgeting software do you use ?

My wife and I don't really budget. We use Mint to track expenses which works great though i do have to re-categorize several expenses every month. I do have the 'budget' set up in there that'll kick out an alert if we spend too much on restaurants or whatever in a month, but I wouldn't consider that...
by Onlineid3089
Mon Jun 01, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Probationary period for new job
Replies: 29
Views: 2194

Re: Probationary period for new job

It's standard where I work with an evaluation at 90 days. At that time we'd move them to permanent, extend the probationary period, or terminate. I always scheduled that 90 day eval with the employee during the first day or two of their on-boarding process. As said by most, it's really nothing to wo...
by Onlineid3089
Thu May 28, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: Roth + Time vs Pretax + tax
Replies: 94
Views: 5791

Re: Roth + Time vs Pretax + tax

I have never given it much thought. I was originally forced to go traditional with the Government TSP. When Roth became available, my limited research indicated it was the smart approach. Since then, I've always maxed out my TSP & IRA contributions as Roth. My reasons: - Roths are more flexible bef...
by Onlineid3089
Thu May 21, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: Frequency of bike overhaul or tune up
Replies: 29
Views: 1860

Re: Frequency of bike overhaul or tune up

Another thing i find on my bike is that the bolts holding the water bottle holders tend to come lose, Its a pain if the come undone during a ride. So i check those as part of my safety checks. Use locktite- it's specifically designed to prevent fasteners from coming loose due to vibration. This. Pr...
by Onlineid3089
Wed May 20, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20761

Re: What is your most luxury/expensive hobby.

Guns. Shooting, and to a lesser extent collecting. Are you in a suppressor friendly state? If so, check out Form 1 suppressors. Rabbit hole warning. As of a few years ago Iowa is suppressor friendly. Haven't dabbled into suppressors at all yet as it has only been a few years for my state and the wh...