Search found 31 matches

by FarmWife
Sun Sep 20, 2020 9:24 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12978

Re: Is anyone waiting until after the election?

I'm plowing in more. Upping my 401k contributions to 50% for Oct/Nov/Dec (for tax management not market timing) but it will be interesting to see the results. I agree that the market doesn't like uncertainty, so I feel that any extra I can put in will surely grow, but growing the next 3 months doesn...
by FarmWife
Sun Sep 20, 2020 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Challenging a physician's bill
Replies: 82
Views: 5361

Re: Challenging a physician's bill

You could offer to pay 10% over the medicare reimbursement rate (medicare pays crazy low, so maybe 20%). The doctor spent 8 min with you, but thousands of hours and dollars on his education and continuing education and insane insurance, so those 8 minutes are more valuable than you'd think. Sites li...
by FarmWife
Fri Sep 18, 2020 7:21 pm
Forum: Personal Investments
Topic: When to transition out of a working tilt?
Replies: 7
Views: 1006

Re: When to transition out of a working tilt?

You might consider a step down 10% at a time, but that will depend on whether this tilt is in taxable or taxfree like Roth/401k so you can manage tax hits. If you're changing as part of your IPO, pick a plan and stick with it. Your AA will change just by nature of not investing large amounts going f...
by FarmWife
Fri Sep 18, 2020 7:04 pm
Forum: Investing - Theory, News & General
Topic: So, you want to tilt to growth
Replies: 33
Views: 2747

Re: So, you want to tilt to growth

Thanks for the article. But I would say not the same thing. You don't have to stick with the same company forever, you can adjust. Even the sp500 changes out their listed companies over time. ARK points out that Cars, Telephone and Electricity were all within 20 years of each other. Airplanes 20 yrs...
by FarmWife
Fri Sep 18, 2020 4:10 pm
Forum: Investing - Theory, News & General
Topic: So, you want to tilt to growth
Replies: 33
Views: 2747

Re: So, you want to tilt to growth

How are you adding this innovation tilt? Is it through an ETF or just picking up individual stocks that you see as innovative? I like the ARK funds (ETFs), but am looking for others. * way lower market cap; these are micro/small/mid size companies mostly (my indexes/401k funds are large cap heavy) ...
by FarmWife
Fri Sep 18, 2020 11:34 am
Forum: Investing - Theory, News & General
Topic: So, you want to tilt to growth
Replies: 33
Views: 2747

Re: So, you want to tilt to growth

Investors buy recent winners rather than build a well-balanced portfolio because of a myopic view of performance. Over the last 40 years, growth has outperformed value 20 times, and value has outperformed growth 20 times, but in the recent past growth has outperformed. so if value and growth have o...
by FarmWife
Tue Sep 08, 2020 11:13 am
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28053

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

Can he sell enough to take his initial investment plus a small profit and the remainder is just house money? That might help him step out of it slowly.
by FarmWife
Mon Aug 24, 2020 6:45 pm
Forum: Personal Investments
Topic: Time to buy Tesla?
Replies: 61
Views: 8809

Re: Time to buy Tesla?

Have it through ARK, I saw their CEO do an interview a year or 2 ago and have been mulling buying their ETF since. Only pulled the trigger beginning of this year so I guess I bought tesla indirectly... Planning to buy and hold the ETF for a while or until their research and ideas aren't clicking wi...
by FarmWife
Thu Aug 20, 2020 6:44 pm
Forum: Personal Investments
Topic: Stock splits and cost basis
Replies: 5
Views: 501

Re: Stock splits and cost basis

What happens during the 10 days between ownership requirements and the actual time it starts trading that adjusted price? Aug 21, own 1 share. End of day 5:1 split now means you own 5 shares at 1/5th the price each. But the stock isn't supposed to start trading at the new split adjusted price until ...
by FarmWife
Thu Aug 13, 2020 8:03 pm
Forum: Personal Investments
Topic: $20,000 windfall- Help!
Replies: 67
Views: 4226

Re: $20,000 windfall- Help!

$5000 toward vacation fund that you may not take for a year, the rest in market.
by FarmWife
Mon Aug 10, 2020 10:52 pm
Forum: Personal Consumer Issues
Topic: Persistent Internet Outages - should I upgrade to Comcast Business
Replies: 41
Views: 2113

Re: Persistent Internet Outages - should I upgrade to Comcast Business

I would find a plan that gives better upload. Your down to up ratio screams pain to me. Upload should be at least 20% of download unless you want a real pinch point experience.
by FarmWife
Mon Aug 10, 2020 11:45 am
Forum: Personal Investments
Topic: Are we going to be able to make it? (Networth question)
Replies: 18
Views: 3233

Re: Are we going to be able to make it? (Networth question)

Without knowing your current AA and expenses, it's hard to imagine that you'd really need $4million at retirement. Don't forget about the 30 years you'll likely live DURING retirement, which is also time for your assets to grow. You would probably be just fine with $2-2.5 million at retirement age, ...
by FarmWife
Sun Aug 09, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: New Clothes Dryer Questions & Recommendations
Replies: 18
Views: 1364

Re: New Clothes Dryer Questions & Recommendations

Another vote for speed queen. We have washer and dryer both. American made, just work. And we're a farm family running some awfully dirty laundry.
by FarmWife
Fri Aug 07, 2020 6:57 pm
Forum: Personal Investments
Topic: FDGRX - Growth Fund vs. SP500
Replies: 51
Views: 3673

Re: FDGRX - Growth Fund vs. SP500

I wish I could invest in that one, wish it wasn't closed. Looks like FBGRX is open (blue chip growth) but it has a higher turnover rate (and that .8% fee) than I'd like in a taxable account. Somewhat similar returns, although not quite as good as FDGRX. It's not very bogleheadish- actually far from ...
by FarmWife
Fri Aug 07, 2020 6:50 pm
Forum: Personal Investments
Topic: Social Security as my Bond Fund?
Replies: 70
Views: 3624

Re: Social Security as my Bond Fund?

You need a spreadsheet showing your income streams and your expenses in retirement. Social security farmland rental income pension stocks if the monthly/annual payout from those is more than your expenses, and you can weather having your stock portion drop 50% and your farmland rent dropping 25% (no...
by FarmWife
Thu Aug 06, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Questions on PPP for Sole Proprietorship...
Replies: 4
Views: 263

Re: Questions on PPP for Sole Proprietorship...

Since you got yours early, best check with your issuing bank to see if you're extended to 24 weeks. We just applied and got ours this week (right before the extended deadline) and ours is under the 24 week option but we'll have it spent before that anyway. Our note says payable over 5 years. Forgive...
by FarmWife
Sun Aug 02, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: I was recently given a 14% raise and...
Replies: 47
Views: 6603

Re: I was recently given a 14% raise and...

I would split it 3-4 ways, I'm not an all or nothing person. 30% taxable 30% mortgage paydown 30% 529's 10% fun money It was an awesome feeling to pay off the house, in my dark moments it's comfort to know we'll have a roof over our heads. College is beastly and stupidly expensive. Anything more you...
by FarmWife
Sat Aug 01, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: What Options Do i Have ?
Replies: 6
Views: 670

Re: What Options Do i Have ?

Take Dave Ramsey's Financial Peace course, or at least get the book. Soak it up, read it 3 times if you have to. You have a debt problem. Different car (cheaper!), pay off those credit cards. Actually using the cards that much hurts you as it eats into your available credit and affects your score. P...
by FarmWife
Sat Aug 01, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with deceased BIL estate?
Replies: 22
Views: 2108

Re: Dealing with deceased BIL estate? Dealing with the debt.

Get a new attorney, fast. You need one that handles estates on a regular basis. This can make or break the whole process, not negotiable.
by FarmWife
Sat Aug 01, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Unmotivated daughter and son in law.
Replies: 115
Views: 9659

Re: Unmotivated daughter and son in law.

Ex has a very different take on this; he is also, unfortunately, dx'ed with something that will kill him almost certainly in the next 5 years or so. I so appreciate everyone's chiming in on this. sorry to hear this. If he's got $2.8mil and 5 years to live, your daughter may inherit something signif...
by FarmWife
Sat Aug 01, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is a refinance likely to be worth it for us? Sub 200k loan, 10 years remaining, already at 3.125%
Replies: 7
Views: 788

Re: Is a refinance likely to be worth it for us? Sub 200k loan, 10 years remaining, already at 3.125%

https://www.vertex42.com/ has some spreadsheets to help determine how much you'd save. I think I'd want it to be at least $10,000 saved, including the plan to pay if off early, to make it worth it. Refi's are an annoying headache to me.
by FarmWife
Sat Aug 01, 2020 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Unmotivated daughter and son in law.
Replies: 115
Views: 9659

Re: Unmotivated daughter and son in law.

Married and ...... adults. Do not further enable or grow codependencies. “Help” = long term life subsidy payments. Adversity grows character and self reliance. Training wheels turn into permanent crutches if left on too long. Drop off groceries once in awhile. k🌺 Yes this. Do NOT sacrifice your har...
by FarmWife
Sat Aug 01, 2020 2:23 pm
Forum: Personal Investments
Topic: Improving my retirement allocation
Replies: 11
Views: 564

Re: Improving my retirement allocation

From what I read here, Bogle and Buffet would say you are doing fine. Simple, mix of tax deferred, tax exempt. Plans for college funding with the infant? Consider a taxable investment account also once you max out your other options. Having a huge 401k someday (and trad IRA) with RMD's may prove pro...
by FarmWife
Sat Aug 01, 2020 2:01 pm
Forum: Personal Investments
Topic: Diversifying to timber/farmland
Replies: 25
Views: 1817

Re: Diversifying to timber/farmland

Retirement doesn't mean anything if you aren't retiring to something. Seems to me you have your ideal future outlined for retirement with this property as well as her flower shop job/playtime. We are farmers and completely understand the draw to working the land. BUT, it costs a LOT of money to main...
by FarmWife
Thu Jul 30, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance - Liability or more?
Replies: 34
Views: 1439

Re: Car Insurance - Liability or more?

We bought our 16 yr old a $5000 truck for a school vehicle. It has liability only because we could cashflow any replacement/repair on it and teenage boy insurance is already high enough. He was the victim in a small fender bender a year later and it was totalled. Other party's insurance covered it a...
by FarmWife
Thu Jul 30, 2020 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?
Replies: 79
Views: 3928

Re: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?

We use a debit card for our immediate consumption items like groceries and eating out, but credit card for almost everything else to get the points. For some reason it just irks me to pay a credit card bill for food I've already eaten. We get 1.5% with our Chase CC, the points are used to pay for Ch...
by FarmWife
Tue Jul 28, 2020 1:27 pm
Forum: Personal Investments
Topic: Does minor's Roth connected to my Taxable acct affect TLH?
Replies: 4
Views: 379

Re: Does minor's Roth connected to my Taxable acct affect TLH?

For anyone curious, a 2014 response on another board indicates this would not trigger a wash sale problem, but it would be an issue if I was moving that money into his account instead of keeping it in mine (something about related parties rule). https://boards.fool.com/jkrou-quotthanks-for-question...
by FarmWife
Mon Jul 27, 2020 3:09 pm
Forum: Personal Investments
Topic: Does minor's Roth connected to my Taxable acct affect TLH?
Replies: 4
Views: 379

Re: Does minor's Roth connected to my Taxable acct affect TLH?

I had considered FSKAX, the problem is that's what I would likely use to offset my sp500 fund doing the TLH. So at some point I'd have both sp500 and FSKAX in my account and be back in the same boat.
by FarmWife
Mon Jul 27, 2020 2:53 pm
Forum: Personal Investments
Topic: Does minor's Roth connected to my Taxable acct affect TLH?
Replies: 4
Views: 379

Does minor's Roth connected to my Taxable acct affect TLH?

I may want to tax loss harvest in my taxable account at Fidelity someday and I just opened a Roth for my minor son. If I invest in the same sp500 index fund in his Roth that I have in my taxable, will it cause any problems with TLH and potential wash sales in my account since I'm listed as the custo...
by FarmWife
Sun Jul 26, 2020 8:41 pm
Forum: Personal Investments
Topic: A good problem to have - what to do after maxing retirement and e fund
Replies: 13
Views: 1144

Re: A good problem to have - what to do after maxing retirement and e fund

Are you willing to share your career that generates $100k salary at age 22? I'm impressed, but I live in a LCOL area so our "fresh out of college" careers rarely top $60k.