Search found 215 matches

by hnd
Thu Oct 22, 2020 8:41 am
Forum: Personal Consumer Issues
Topic: New kid on the way, should we get a new minivan? or else?
Replies: 58
Views: 2749

Re: New kid on the way, should we get a new minivan? or else?

my wife was anti-minivan until she testdrove a 2004 odyssey after test driving a few SUV's. they are literally built for kids where as SUV's just weren't. all the little nooks and crannies, just different. We buy odysseys 2-3 years old, and then drive them till they hit 170k miles. we currently have...
by hnd
Thu Oct 22, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Personal capital: Retirement plan review and $100
Replies: 8
Views: 1026

Re: Personal capital: Retirement plan review and $100

I got a postcard too.

a coworker did it. he said it took like 3 hours. My time is worth more than $33 an hour doing something I don't want to do.

Its funny they say its a 800 dollar value. lmao.
by hnd
Tue Oct 20, 2020 5:05 pm
Forum: Personal Investments
Topic: Any reason NOT to rebalance?
Replies: 13
Views: 1191

Re: Any reason NOT to rebalance?

i'm ok with being wrong on this. because i don't think being wrong is going to be too costly and the last 20 months have given me a 30% cushion on whatever the future brings.
by hnd
Tue Oct 20, 2020 4:49 pm
Forum: Personal Investments
Topic: Any reason NOT to rebalance?
Replies: 13
Views: 1191

Re: Any reason NOT to rebalance?

From 2008 to 2019 i rebalanced by usually buying more and more VXUS or VTIAX (depending upon the vehicle i'm putting money into) and it just hurt every 6 months i did it. i kept repeating to myself, need to diversify, need to diversify... In 2018 I had enough, i decided to let the international fall...
by hnd
Mon Oct 12, 2020 8:11 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?
Replies: 91
Views: 4978

Re: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?

If the work is fun have at it. track your outcomes. if you succeed at beating the rest of your portfolio congrats! if you don't but had fun doing it, thats how life works.
by hnd
Fri Oct 02, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Six Figure Student Debt
Replies: 84
Views: 6925

Re: Six Figure Student Debt

I wasn't talking about PAYE, PAYE sounds just as awful though. We have a family member doing it. they have to continually recertify their income and all sorts of other hoops regarding family size they have to deal with. doing that for 20 years while having this debt looming over you for that period ...
by hnd
Fri Oct 02, 2020 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Six Figure Student Debt
Replies: 84
Views: 6925

Re: Six Figure Student Debt

wait so, just make payments and hope for the gvt to forgive it in some number of years is being touted as a viable option?
by hnd
Fri Oct 02, 2020 9:45 am
Forum: Personal Investments
Topic: Does it make sense for me to switch out of my target date fund?
Replies: 24
Views: 1794

Re: Does it make sense for me to switch out of my target date fund?

some numbers. If it follows its predecessors, VLXVX will not bump from 9-10% bond until 2045. so If you extrapolate VTI/VXUS 70/30 vs VTI/VXUS/BND 65/25/10 over the past 10 years you have about a .37% CAGR difference. If you look at the future value of 25000 initial and 25000 invested in perpetuity ...
by hnd
Fri Oct 02, 2020 9:10 am
Forum: Personal Investments
Topic: Jack and Vanguard Faithful Considering Fidelity Index Funds for Zero Minimum Investment
Replies: 103
Views: 8781

Re: Jack and Vanguard Faithful Considering Fidelity Index Funds for Zero Minimum Investment

my biggest beef with vanguard was finding a mutual fund with sub 30% internatial and sub 20% bonds. I found that in Fidelity with FFNOX.
by hnd
Fri Oct 02, 2020 8:38 am
Forum: Personal Investments
Topic: Taking my funds back from advisor - I got the FUD e-mail response
Replies: 35
Views: 4389

Re: Taking my funds back from advisor - I got the FUD e-mail response

I hate FUD responses by email. I have to do them occasionally (we are a managed network security product where 15% of the customers that leave us eventually return....this is not typical in our industry) when the soon to be ex customer won't take a call or appt. they rarely work. a phone call does w...
by hnd
Mon Sep 28, 2020 11:39 am
Forum: Investing - Theory, News & General
Topic: VTSAX- is it overvalued as a result of the tech influence
Replies: 17
Views: 2006

Re: VTSAX- is it overvalued as a result of the tech influence

using the S&P500.

Going back to 1985, the Top 10 largest companies of the S&P 500 have averaged 21% of the entire index cap. Currently the top 10 companies average 27%.

A bit higher but not some astronomical number that makes its seem untenable.

Stay the course.
by hnd
Mon Sep 28, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Friend on the verge of financial ruin, how to help?
Replies: 137
Views: 15706

Re: Friend on the verge of financial ruin, how to help?

a friend of ours helped pay a cousins mortgage while he was dealing with a divorce. they found out that a year later that a month after they started making those payments for him, he took out a home equity loan.
by hnd
Mon Sep 28, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Friend on the verge of financial ruin, how to help?
Replies: 137
Views: 15706

Re: Friend on the verge of financial ruin, how to help?

I've learned from others experiences on this. Every time, its ended poorly. In broken relationships, and bitter people. We obviously don't understand the relationship enough to know if giving money is wise. 9 times out of 10 its unwise. But perhaps you all have a close enough relationship where its ...
by hnd
Fri Sep 25, 2020 8:24 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 216
Views: 20063

Re: Long Suffering VXUS Holder No More

I use VWIGX (Vanguard Int'l Growth) for International exposure and have been happy with its performance. I don't like the total int'l index because I don't want to buy every piece of junk out there, but that's just my strategy, just like others here who's strategy is to own all of it. At the end of...
by hnd
Thu Sep 24, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Should I go for online Will making software?
Replies: 81
Views: 5555

Re: Should I go for online Will making software?

Everything for us is very simple and straight forward. I Spent 400 dollars at Legalzoom which included a call with a lawyer to go over the information I entered. that was for living will and trust and power of attorney.
by hnd
Thu Sep 24, 2020 9:30 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 216
Views: 20063

Re: Long Suffering VXUS Holder No More

I use VWIGX (Vanguard Int'l Growth) for International exposure and have been happy with its performance. I don't like the total int'l index because I don't want to buy every piece of junk out there, but that's just my strategy, just like others here who's strategy is to own all of it. At the end of...
by hnd
Wed Sep 23, 2020 2:23 pm
Forum: Personal Investments
Topic: VXUS - Why? [Vanguard Total International Stock ETF]
Replies: 109
Views: 6860

Re: VXUS - Why? [Vanguard Total International Stock ETF]

as far as international index funds go, there is none better. as far as how much you should be invested in international? yeah outside a handful of years in the mid 2000's, international has been basically smacked around by US stocks for the past 30 years. 30 years is a long time. Its definitely pru...
by hnd
Tue Sep 22, 2020 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dental practice billing
Replies: 34
Views: 2687

Re: Dental practice billing

our dentist retired and he referred his patients to a new dentist but it was way across town. my wife got a flier for a free consultation and xrays for a new dentist office much closer and decided to take herself and our 3 children to this establishment for free consultations. She described it very ...
by hnd
Tue Sep 22, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: stand up freezer for garage
Replies: 26
Views: 1565

Re: stand up freezer for garage

bloom2708 wrote: Tue Sep 22, 2020 12:40 pm One idea: Eat less meat, skip the freezer.

:mrgreen:
hard pass
by hnd
Tue Sep 22, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: stand up freezer for garage
Replies: 26
Views: 1565

Re: stand up freezer for garage

I also have a battery operated thermometer that sits on top of the freezer with a wired remote sensor that is inside the freezer. The freezer is right next to the door for the house. Every time I walk out to the garage I can easily see the temperature in the freezer. Got a link to the sensor you us...
by hnd
Tue Sep 22, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: stand up freezer for garage
Replies: 26
Views: 1565

Re: stand up freezer for garage

We have a large upright in the garage, and old top freezer fridge in the garage and a chest freezer in the basement. the garage fridge doesn't like fridgid temperatures but we put a heater in the garage and now it stays around 40 in there at all times. the only issue we ran into with the standup fri...
by hnd
Mon Sep 21, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Challenging a physician's bill
Replies: 82
Views: 5457

Re: Challenging a physician's bill

when my wife had our first child she got an epidural which of course was not covered by insurance. we got a bill for 800 bucks. dr came in was there for 10 minutes boom 800 bucks. whatever. I called them and basically told them theyd be getting a 20 dollar check from me for the next 40 months. If yo...
by hnd
Fri Sep 18, 2020 3:03 pm
Forum: Personal Investments
Topic: Extra $180/Month after Refinance. Where does it go?
Replies: 22
Views: 2478

Re: Extra $180/Month after Refinance. Where does it go?

Just refinanced for a 30 year at 3% leaving me an extra $180 per month from previous 30 year at 3.875% with 26 years left. Loan is for $196,000. So I currently max work retirement plan, and my Roth IRA and wife's Trad IRA each year. Save another $500 per month that I'm putting into online savings w...
by hnd
Fri Sep 18, 2020 11:14 am
Forum: Personal Investments
Topic: Thoughts about Leveraged ETF's
Replies: 19
Views: 1176

Re: Thoughts about Leveraged ETF's

i have a friend who goes back and forth with UPRO and SPXU which is an inverse 3x sp500 leveraged fund. He basically matches his index funds in his IRA So in my opinion its not worth the headache. I am slightly leveraged in 2 funds/etfs. PSLDX which is leveraged into bonds. and NTSX which is a wisdo...
by hnd
Fri Sep 18, 2020 9:26 am
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 51508

Re: How to get over finance envy

I taught FPU at our church for 5 years. .... Same kind of thing, taught the class a few times, and many people came to the class seeking bailouts. One couple earned a very modest salary (like 50 to 60K/year range) but somehow owed the IRS over 100K, plus car payments etc. They were unwilling to cha...
by hnd
Fri Sep 18, 2020 9:19 am
Forum: Personal Investments
Topic: "Refinance" mortgage for a family member @ 2%?
Replies: 46
Views: 2949

Re: "Refinance" mortgage for a family member @ 2%?

some families are tough to navigate. i know this would not go well for many people I know but I also know many people that have actually done this and its gone/going very well. We know a gentleman who owned his own company and his children now run it. He is the lender on almost every single grandchi...
by hnd
Fri Sep 18, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 51508

Re: How to get over finance envy

I taught FPU at our church for 5 years... I'm wondering if this is just what you get when you offer a class that's mostly about debt reduction: people in debt. On the other hand, maybe the people who show up at FPU actually represent a segment of the population that's better with money than most; l...
by hnd
Wed Sep 16, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 51508

Re: How to get over finance envy

I taught FPU at our church for 5 years. At the beginning stages of the class, you are supposed to right anonymously on a piece of paper how much you have in savings, and how much you have in non mortgage debt. cars, student loans, CC, etc etc etc etc. and then i total it all up and put it on the boa...
by hnd
Mon Sep 14, 2020 4:29 pm
Forum: Investing - Theory, News & General
Topic: John C. Bogle exposed? No way! [Investing paper retracted]
Replies: 27
Views: 5852

Re: John C. Bogle exposed? No way! [Investing paper retracted]

I noticed that Wikipedia notes many accomplishments of Christopher Carosa, but makes no reference to the retraction. To bring balance, should this be noted? In 2005, the Journal of Financial Planning named Carosa as the winner of their annual call-for-papers competition under the "academic" categor...
by hnd
Mon Sep 14, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Buying vs. Renting Principles
Replies: 205
Views: 13163

Re: Buying vs. Renting Principles

here in the midwest in a very modest cost of living area, renting a idential home to one you might buy is more expensive than buying buy a smidge. property taxes, home maintenance, etc is all built into the renting price and you can easily fetch it in our market. in a vaccum if at 25 i buy a house t...
by hnd
Mon Sep 14, 2020 9:07 am
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 168
Views: 15891

Re: For those concerned about International Stocks...

prior to my take over of my 401k i spent a good number of years in 100% OAAIX. which was 50/50 US/EXUS. I rolled that over and based off DR I went 25% international. I will say that rebalancing these last 7 years by just buying EXUS has been tough. to the point where I changed my planned allocation ...
by hnd
Mon Sep 14, 2020 8:25 am
Forum: Investing - Theory, News & General
Topic: John C. Bogle exposed? No way! [Investing paper retracted]
Replies: 27
Views: 5852

Re: John C. Bogle exposed? No way!

They came for him then and now that he's gone they'll come for him even harder. Now that indexing is approximately 50% of the mutual fund market. Their sliver of take is shrinking.
by hnd
Fri Sep 11, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 73
Views: 4827

Re: Repair plasma television or get new TV?

that series panny was effectively the pioneer elite television with panasonic branding. loved those tvs.
by hnd
Fri Sep 11, 2020 1:40 pm
Forum: Investing - Theory, News & General
Topic: Ken Moraif must be getting nervous
Replies: 88
Views: 24896

Re: Ken Moraif must be getting nervous

i've never heard buy and hold forever being called aggressive and a young mans game before i heard Moraif say it
by hnd
Fri Sep 11, 2020 11:49 am
Forum: Personal Investments
Topic: Four-fund plans with a growth tilt
Replies: 8
Views: 451

Re: Four-fund plans with a growth tilt

backtesting the equivalent MF's back to 1996 (due to fund availability) vs a 3 fund portfolio without the growth tilt results in a net positive of less than 1% CAGR. And if you take like random 10 year periods over the last 24 years, you find similar results either in your portfolio's favor or the 3...
by hnd
Fri Sep 11, 2020 8:46 am
Forum: Investing - Theory, News & General
Topic: Index Funds - Dangerous?
Replies: 46
Views: 3842

Re: Index Funds - Dangerous?

Selling courses is hot on youtube. I get a laugh with the latest youtube trends. The youtube menu is filled with people opening their mouth wide open and pointing at something like they're extremely excited and have something to tell/sell you. I also notice they cut the video after every sentence. ...
by hnd
Fri Sep 11, 2020 8:41 am
Forum: Investing - Theory, News & General
Topic: Index Funds - Dangerous?
Replies: 46
Views: 3842

Re: Index Funds - Dangerous?

I watched the video. he says a few times that its dangerous but then goes on to basically explain why its not dangerous. He complains that its mainly tech stocks currently and the top is carrying the rest. Basically its easy to beat the market with options trading. :| He says elsewhere in comments t...
by hnd
Thu Sep 10, 2020 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6904

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

linked in is treasure trove for these people. i have half a dozen "connection requests" collecting dust from aquaintances now working for edward jones nd other places
by hnd
Thu Sep 10, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6904

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

a guy is just trying to feed his family and i imagine he likely believes what he sells is a really great product. especially if they go from 0 knowledge to knowing only what NW mutual teaches them. I have a good friend who is a NW mutual sales person. He worked his way up the Best buy ranks until BB...
by hnd
Thu Sep 10, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is your company participating in payroll tax deferral?
Replies: 14
Views: 925

Re: Is your company participating in payroll tax deferral?

the owners of our company are very political and have made it clear their thoughts on this and are NOT participating.
by hnd
Thu Sep 10, 2020 2:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement Funds--Why So Stock Heavy?
Replies: 44
Views: 2696

Re: Vanguard Target Retirement Funds--Why So Stock Heavy?

i was taught the "100 minus your age in equities" in the late 90's in college. but even then, there was speculation that it should be 110 or 120. NAV on VBMFX as like avg 10% the past few years at that time. the 10 year on it today is 3.5% and i believe we all expect that to be lower in the future (...
by hnd
Thu Sep 10, 2020 1:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement Funds--Why So Stock Heavy?
Replies: 44
Views: 2696

Re: Vanguard Target Retirement Funds--Why So Stock Heavy?

adestefan wrote: Thu Sep 10, 2020 1:25 pm The bigger change has been Vanguard adding more international to the domestic/international split.
agreed. i prefer the American Funds and American Century One international allocation over Vanguards but I don't llike the fees. I own the AF and VG 2055 funds in equal amount.
by hnd
Wed Sep 09, 2020 5:22 pm
Forum: Investing - Theory, News & General
Topic: Buying covid hit stocks
Replies: 30
Views: 1840

Re: Buying covid hit stocks

covid depressed stocks that I bought that haven't really gone back up as much as I assumed (all are about +10-15%) they would and could be a good buying opportunity : BA - Boeing XOM - Exxon Mobile SRE - Sempra Energy LUV - Southwest airlines every other stock pick i purchased in early april is over...
by hnd
Wed Sep 09, 2020 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 165
Views: 37009

Re: Do not use Personal Capital

if you've ever created an account with something using a gmail account. This is the same type of technology. Basically you log into your account, and vanguard, your bank, etc, and tell that system it can send info (not password info) to some application. The bank/VG site then sends that application...
by hnd
Wed Sep 09, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 165
Views: 37009

Re: Do not use Personal Capital

if you've ever created an account with something using a gmail account. This is the same type of technology. Basically you log into your account, and vanguard, your bank, etc, and tell that system it can send info (not password info) to some application. The bank/VG site then sends that application ...
by hnd
Wed Sep 09, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 73
Views: 4827

Re: Repair plasma television or get new TV?

I have 2 Panasonic Plasmas in our house a 60" S series in the basement for the kids and a 46" V Series in the garage. both are well over 10 years old and eventually were relegated out of the main tv spot. the Vseries had an issue where i had to take it in. since i considered this tv the cadillac of ...
by hnd
Wed Sep 09, 2020 8:43 am
Forum: Personal Investments
Topic: Age vs retirement year
Replies: 27
Views: 4715

Re: Age vs retirement year

look at the glide path on their website. find the fund that matches your own. VG TDF's begin around 8-10% bonds and at 20 years to target date begin the slide.
by hnd
Tue Sep 08, 2020 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 165
Views: 37009

Re: Do not use Personal Capital

i have to believe its been mentioned but every bank and investment company you give money to has access to all of your accounts on their platform. even the lowly fresh out of college teller kid. i guess i'm not sure what the OP was expecting when you aggregate all that info into a single platform. o...
by hnd
Fri Sep 04, 2020 4:41 pm
Forum: Personal Investments
Topic: Pay down mortgage or invest
Replies: 31
Views: 2599

Re: Pay down mortgage or invest

If you take the 400K and don't touch any of the proceeds, in 20 years you have 1.3 million. Of course you have to find $1613 / month to pay the mortgage, but the OP has been doing that all along. It's a nice problem to have :) obviously but its all coming out of the same pot technically. if he does...