Search found 3700 matches

by mhc
Thu Sep 20, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 27
Views: 1302

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

Verizon has had really good deals on cell phones. I have purchased new phones 2 of the last 3 years.
by mhc
Thu Sep 20, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Help with HSA fund selection
Replies: 7
Views: 440

Re: Help with HSA fund selection

I only keep one fund in my HSA. There is no need to match your overall AA in every account. If you are using the HSA like an IRA, then one fund should be sufficient. VIIIX would be a good choice. VTPSX would also be good.
by mhc
Tue Sep 18, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance...Social Security also pays?
Replies: 25
Views: 1417

Re: Life Insurance...Social Security also pays?

This is a very important part of Social Security and should be considered.

I have decided that between SS and my nest egg, I don't need life insurance. Maybe my DW would be better off without me. LOL
by mhc
Tue Sep 18, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Coverdell ESA Asset Allocation
Replies: 7
Views: 431

Re: Coverdell ESA Asset Allocation

I would use the total bond index. The purpose of bonds is to reduce the risk of the portfolio. Short term bonds are lower risk than the total bond. If you use short term, in theory, you could lower the bond allocation. A rule of thumb is the duration of the bond should be no longer than the time bef...
by mhc
Mon Sep 17, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Does cash at Ally count in my asset allocation?
Replies: 22
Views: 1859

Re: Does cash at Ally count in my asset allocation?

I count my cash because when I retire it will be part of my retirement portfolio.

My current AA is 75/24/1 (equity/bond/cash).

I include it because I want to control how much cash I have. If it gets much above 1%, then I need to invest the surpluss.
by mhc
Mon Sep 17, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Travel- overwater bungalows
Replies: 16
Views: 2295

Re: Travel- overwater bungalows

We stayed in one in Huahine-Nui French Polynesia for our honeymoon. It was a very small hotel and secluded. You could only get to the hotel by boat. We went in Feb. of 2003, and there were probably fewer than 10 guests at the hotel. We loved it. It was a tremendous experience.
by mhc
Fri Sep 14, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: New Light bulbs
Replies: 19
Views: 1734

Re: New Light bulbs

My favorites are GE Reveal 100W and 75W.
by mhc
Fri Sep 14, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Shares - ETFs vs. Conventional Mutual Funds
Replies: 14
Views: 704

Re: Gifting Shares - ETFs vs. Conventional Mutual Funds

I gift mutual fund shares to my DAF every year. I do not see how it could be any easier. I assum MF, ETF, and stock shares coming from a brokerage account would all have equal ease.
by mhc
Thu Sep 13, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 10979

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

I decided to stop in my mid-thirties. The next level required much more travel, job risk, and stress for about a 10-15% bump in pay. 15 years later, I'm still working and enjoying my job. All my friends who moved to the next level ended up losing there jobs. I have been able to maintain a nice balan...
by mhc
Thu Sep 13, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Pension alternatives
Replies: 41
Views: 3145

Re: Pension alternatives

Owning only 5 rentals does not provide very much diversification, especially if they are in one market. This comes with uncompensated risk. I have been a landlord before. I prefer mutual funds. Much easier to manage. They don't call me at 10:00 PM on a Friday night about a plumbing issue. There are ...
by mhc
Wed Sep 12, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Quick Qs: Does your DAF sync with personal capital?
Replies: 10
Views: 619

Re: Quick Qs: Does your DAF sync with personal capital?

The funds in the DAF are not yours so they have no relationship to the management of your personal funds or rebalancing. As the director of the DAF, you direct the the management as you think best for the DAF. I am finding the question of risk taking in the DAF vs my personal funds to present some ...
by mhc
Tue Sep 11, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 59
Views: 3497

Re: How often do you guys get alignment done on your cars?

Every time I have my carburetor cleaned.
by mhc
Tue Sep 11, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Qs: Does your DAF sync with personal capital?
Replies: 10
Views: 619

Re: Quick Qs: Does your DAF sync with personal capital?

I use Vanguard and Vanguard Charitable. I have linked VC as an outside account so I can see it when I log into V. I don't use personal capital, but it seems like you should be able to link a DAF. I know people on here who say donating from a V taxable account to Fidelity Charitable is easy. I have n...
by mhc
Fri Sep 07, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: How important is "completion" of an index?
Replies: 8
Views: 623

Re: How important is "completion" of an index?

It probably has very little impact if you do not "complete" the fund.

Since it is in an IRA, you could exchange it for VTIAX. That way you would be "complete".
by mhc
Fri Sep 07, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard adding commission free index funds, better core replacements?
Replies: 8
Views: 1216

Re: Vanguard adding commission free index funds, better core replacements?

I currently do not have any ETFs, and the funds in my taxable account have too much unrealized gains to switch them.

If I was going to consider switching, I would look at ER, tax efficiency, and typical bid/ask spreads. I would not only look at ER. There are probably other things to consider also.
by mhc
Thu Aug 30, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5342

Re: Colorado Summer Vacation - what to see and where to stay

Ok here's another question: which would you choose for a day trip, Mt Evans or Trail Ridge Road? Trailridge I live near RMNP. Trailridge is a lot better than Mt Evans. I would not rush it and try to do both. If you are coming from the Estes side, drive up Old Fall River Road (1 way dirt road) and c...
by mhc
Wed Aug 29, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Rearranging portfolio to be more simple - should I go with the Fidelity ZERO funds?
Replies: 10
Views: 1704

Re: Rearranging portfolio to be more simple - should I go with the Fidelity ZERO funds?

Looks like you have a good grasp of how to build a portfolio. The ZERO funds at Fidelity are new, so it's hard to say how they will be over the long haul, but it seems quite reasonable to go with them. Good job. I probably wouln't put 0.85% bonds in my Roth. I would just be a little light on bonds. ...
by mhc
Tue Aug 28, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2194

Re: Installing a new toilet - shut off valve and wax ring

I hate multi-turn valves. I would replace it. I wanted to replace my kitchen faucet. I set time aside to do the work. Low and behold, the hot water multi-turn valve no longer worked. I had to shut off the water to the entire house and make an extra trip to the store. Needless to say, I did not get t...
by mhc
Mon Aug 27, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?
Replies: 18
Views: 901

Re: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?

The mantra I hear is TSM and not S&P 500.

There is a lot of talk around here about tilting small and/or small value.
by mhc
Mon Aug 27, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Your Best Mood Boosting Books (not self-help)
Replies: 29
Views: 2341

Re: Your Best Mood Boosting Books (not self-help)

I always felt better after reading Dr Seuss books to my children, especially Fox in Socks. I find the rhythm and humor very soothing.

I also find Psalms very comforting and uplifting.
by mhc
Fri Aug 24, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: The first million is the hardest?
Replies: 46
Views: 9022

Re: The first million is the hardest?

I really notice things during an extended bull market.
by mhc
Thu Aug 23, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Selling individual stock
Replies: 4
Views: 386

Re: Selling individual stock

You could also look into donating the shares and avoid LTCG.
by mhc
Thu Aug 23, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: If you buy a classic car in Europe and aim to keep to drive it daily for 50 years
Replies: 26
Views: 1794

Re: If you buy a classic car in Europe and aim to keep to drive it daily for 50 years

Maybe this question would be better for a Cuban forum. Aren't they still driving cars from the 50's?
by mhc
Mon Aug 20, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: No advance notice to employer
Replies: 42
Views: 3979

Re: No advance notice to employer

If you have worked since the last pay period, they could refuse to pay for those days. If you have accrued vacation time, they could refuse to pay you for that time that otherwise might be payable. If you have any personal belongings at work, they could refuse to let you have access. Please note, I...
by mhc
Wed Aug 15, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Housing cost as a % of Income
Replies: 7
Views: 797

Re: Housing cost as a % of Income

OP, you will get a large variation of answers. If you want to know if you and/or your thinking is in-line, then ask that specifically. I think my family of 5 spend 1-2% on mortgage/property tax/insurance/maintenance. I live in an avg COL area. My house is paid off. A rule a thumb is 1-2% of housing ...
by mhc
Tue Aug 14, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5342

Re: Colorado Summer Vacation - what to see and where to stay

I have never had a problem with them at higher altitudes. Tell that to my spouse when we were hiking above the tree line and running out of DEET. Where were you? I have never seen a mosquito on a mountain hike. I've mainly hiked RMNP and Poudre Canyon/Cameron Pass, but I have been to all parts of t...
by mhc
Tue Aug 14, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Key West Family Vacation - February
Replies: 25
Views: 1798

Re: Key West Family Vacation - February

Last summer we started a long road trip in New Orleans and finished in Miami. We spent 2 nights in New Orleans and 5 nights in Key West. We had our 3 kids (9, 11, and 13). Key West is no where near as bad as the French Quarter. Not even close. The highlight of the trip was Key West. We were only on ...
by mhc
Tue Aug 14, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5342

Re: Colorado Summer Vacation - what to see and where to stay

Not on Mt Evans.

There is West Nile in Colorado. At my house, the mosquitoes are out in the evening. They are especially thick in marshy areas. I have never had a problem with them at higher altitudes.
by mhc
Mon Aug 13, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Where to stay in Key West?
Replies: 20
Views: 1225

Re: Where to stay in Key West?

We stayed at http://www.coconutbeachresort.com/. We had a 2 bedroom 2 bathroom unit. It worked great for my family of 5. I don't know if they have any 3 bedroom units. The location was great. It was within walking distance of Duval, a beach, and restaurants. The pool area and views were very nice.
by mhc
Mon Aug 13, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Key West Family Vacation - February
Replies: 25
Views: 1798

Re: Key West Family Vacation - February

I highly recommend Dry Tortugas. We took the float plane. More expensive than the ferry, but well worth it to me. We took the first flight of the day. We beat the ferry, so we pretty much had to island to ourselves. I also heard a lot of the ferry passengers get sea sick. We also took a snorkling tr...
by mhc
Mon Jul 23, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-Law criticizing my wife over our recent house purchase
Replies: 38
Views: 3052

Re: Mother-in-Law criticizing my wife over our recent house purchase

I would tell her, "Thank you for your input. If you like, give us the extra $100-200k and we'll buy a more expensive house."

I would also point out that a house does not have to be a permanent thing. People move all the time.
by mhc
Fri Jul 20, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Restricted Stock Units (RSU)
Replies: 12
Views: 1132

Re: Understanding Restricted Stock Units (RSU)

When shares vest, the fair market value (FMV) of the shares is counted as wages. You don't have to do anything out of the ordinary. Once you have the shares, they follow normal tax rules for stocks with a cost basis equal to the FMV when they vest. Before the shares vest you have to instruct the bro...
by mhc
Thu Jul 19, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 11261

Re: I may have understood why it's so hard to save and invest

A journey of a thousand miles starts with a single step.

All the little steps add up over time. The power of compounding over decades is pretty amazing.
by mhc
Wed Jul 18, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: $500k Term Life- get new policy?
Replies: 14
Views: 900

Re: $500k Term Life- get new policy?

I would drop the insurance. Why do you think you need it?
by mhc
Tue Jul 17, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Should I reduce the death benefit of my term life policy?
Replies: 20
Views: 1053

Re: Should I reduce the death benefit of my term life policy?

I'm not a fan of buying insurance I don't need. I'm not a fan of buying insurance as an "investment."

I would drop it completely.
by mhc
Mon Jul 16, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10035

Re: Why own a bed?

Personal choice.

My favorite bed was a sofa bed when I was in high school. Love seat during the day. Bed at night.

I replaced our master bedroom bed last year. King mattress, frame, headboard, sheets, blankets, pillows for $1100. Very happy with the decision. I got everything on Amazon.
by mhc
Fri Jul 13, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: ESPP Purchase/Sale Specifics
Replies: 6
Views: 333

Re: ESPP Purchase/Sale Specifics

Don't over think it. It is simple. Contribute the max amount and sell when the share show up in the account. Include it when you do your taxes. Even if everyone sold their shares together, it won't affect the price to the extent that you should care. I sell immediately every quarter. Sometimes it re...
by mhc
Fri Jul 13, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Convert VTSMX and VIVAX to ETFs?
Replies: 4
Views: 319

Re: Convert VTSMX and VIVAX to ETFs?

Call Vanguard. They should be able to help. If they can't tell you what to do, then stay with Fidelity. In reality, it should be easy to transfer to Vanguard.
by mhc
Fri Jul 13, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Convert VTSMX and VIVAX to ETFs?
Replies: 4
Views: 319

Re: Convert VTSMX and VIVAX to ETFs?

If you want Vanguard funds, why not move the IRA to Vanguard? With Vanguard, the ETF is a share class of the MF. Buying the ETF makes sense if you stay at Fidelity and want Vanguard funds. Have you looked at the Fidelity Index funds? Why not just buy those if you stay at Fidelity? I would not bother...
by mhc
Fri Jul 13, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: What to do with extra $2500 a month?????
Replies: 36
Views: 3281

Re: What to do with extra $2500 a month?????

You have $25k in savings. Is that your emergency fund? If so, how many months of expenses is that? You may wish to increase that. I would look at paying of the boat before increasing 529 contributions. I would also look at maxing the HSA contributions before 529 contributions. I would also stop usin...
by mhc
Fri Jul 13, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5813

Re: Would you trade experiences in your youth for early retirement

What is OMY? I googled and still can't figure out what you mean by it. I desperately want to retire, but I have chosen not to sacrifice the journey to retirement. I really enjoy vacationing with my family. Some day, my children will be gone and the chance to have experiences with them will diminish ...
by mhc
Thu Jul 12, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to bring up this issue with your boss? (firm failure to contribute employer match)
Replies: 6
Views: 801

Re: How to bring up this issue with your boss? (firm failure to contribute employer match)

Have you read the plan documents to make sure you understand all the rules? If not, I would do that before speaking to anyone.
by mhc
Thu Jul 12, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Grandpa's 88 and has term life insurance
Replies: 39
Views: 3083

Re: Grandpa's 88 and has term life insurance

Sounds like it would be better to cancel the policy since he has a couple million in liquid assets.
by mhc
Thu Jul 12, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17804

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads: Investing is not nearly as difficult as it looks.


"Investing is not nearly as difficult as it looks" is a quote from John Bogle.
by mhc
Tue Jul 10, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 4901

Re: 30 Year vs 15 Year Mortgage

What is the interest rate difference between the two loans? How long do you plan on carrying the loan?
by mhc
Tue Jul 10, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Taken advantage of.
Replies: 7
Views: 1338

Re: Taken advantage of.

try googling "Bernie Madoff"
by mhc
Tue Jul 10, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2262

Re: Replace water heater at end of warranty or repair?

I would fix it myself (there has to be a video online somewhere) or get a different repairman. You should be able to get a lot more than 6 years out of a hot water heater.
by mhc
Tue Jul 10, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4890

Re: Target date funds....unsophisticated?

Everything should be made as simple as possible, but not simpler. - Albert Einstein

I do not believe one should add complexity for the appearence of being sophisticated.
by mhc
Mon Jul 09, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Ruby Anniversary(40) - Pikes Peak & Estes Park
Replies: 15
Views: 1133

Re: Ruby Anniversary(40) - Pikes Peak & Estes Park

RMNP: hiking around Bear Lake is beautiful and easy. If you want more of a challenge, go uphill from Bear Lake. Near Bear Lake is Glacier Gorge. It is probably the most beautiful part of the park. If you continue past Black Lake, you will probably be all alone. If Trailridge is still open, go to the...
by mhc
Fri Jul 06, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Target Retirement 2020 Yearly Glide Path Detail Going Forward
Replies: 7
Views: 691

Re: Seeking Target Retirement 2020 Yearly Glide Path Detail Going Forward

On p. 75 of the prospectus, there is a table that breaks down the funds into the 5 parts. You could interpolate between the points to get a close approximation of the year by year glide path.