Search found 3418 matches

by mhc
Thu Oct 19, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: help to pick funds for HSA
Replies: 3
Views: 325

Re: help to pick funds for HSA

I would keep 3-4k in a cash or short to intermediate term bond fund. The rest I would put into a TSM. This assumes that the ERs are reasonable.
by mhc
Wed Oct 18, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2582

Re: Best smartphone

I bought a Samsung Tab S2 last year. I really like it. If timeframes worked for me, I would get the Samsung Galaxy 9 early next year. Unfortunately, I need a new phone soon, so the Pixel 2 looks good.
by mhc
Wed Oct 18, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: help to pick funds for HSA
Replies: 3
Views: 325

Re: help to pick funds for HSA

What is the goal of your HSA?

If it is part of your retirement portfolio, then choose a TSM fund that fits into your portfolio.

If it is for medical expenses, then choose a conservative bond fund.

ERs would also be helpful.
by mhc
Wed Oct 18, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1248

Re: Is it worth applying for Credit Limit Increase?

$13k is pretty low for your salary. A couple of major purchases in a month could push over the limit.

$5k for furniture, $5k vacation, $4k normal spend, $3k Christmas presents, $5k watch, ...

It is also good to have additional head room to serve as an emergency fund.
by mhc
Wed Oct 18, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2582

Re: Best smartphone

I also have a droid turbo 2. It is the best I have ever owned. Of course phones continue to get better, and data rates continue to get better, so the current phone I have is always the best. I'm about to give my 2 yr old droid to my daughter. I'm looking at the Pixel 2 for my next phone. It just rel...
by mhc
Tue Oct 17, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard brokerage account
Replies: 2
Views: 469

Re: Vanguard brokerage account

The two main benefits I see are:

1. Mainstream system Vanguard wants people to use

2. unified 1099 instead of 1099 per fund

I have not yet made the switch.
by mhc
Tue Oct 17, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Should I contribute 100% of paycheck to 401k?
Replies: 13
Views: 2403

Re: Should I contribute 100% of paycheck to 401k?

I do mine early every year because my company does a true-up. If yours does a true-up, then go for it.

This also slightly reduces your income tax withholdings at the beginning of the year. Time value of money.
by mhc
Thu Oct 12, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity HSA?
Replies: 3
Views: 352

Re: Fidelity HSA?

Last time I looked, no. Fidelity only offered HSAs through employer plans.
by mhc
Wed Oct 11, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3704

Re: Pro and cons of the Prime offer by Amazon.......

For me, Amazon Prime is a great deal. I prefer to order online rather than visiting a store. This alone saves me a lot of time. I also use the music and video regularly.
by mhc
Wed Oct 11, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing on my portfolio?
Replies: 10
Views: 1386

Re: How am I doing on my portfolio?

You should dump the two expensive funds in your 401k and put it into the other funds you have. Otherwise, your fund choices look good.

I don't count my eggs before they hatch.
by mhc
Tue Oct 10, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 3781

Re: HSA’s: What level of risk do you prefer?

I treat my HSA as part of my retirement portfolio. I currently am 100% TSM in my HSA. If my HSA grows larger than all my qualified medical expenses in retirement, then I'll be rolling in the money because people say medical expenses is one of the larger pieces of the budget in retirement. I probably...
by mhc
Mon Oct 09, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Sell
Replies: 12
Views: 821

Re: Rent or Sell

Make sure you understand the tax implications of being a landlord.

I would sell. I have been a landlord in the past.
by mhc
Mon Oct 09, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 33
Views: 4275

Re: Why is inflation so low? Moore's law?

I did not read the paper.

Some talk about Moore's Law being dead. If that is true, I wonder how that will impact life?
by mhc
Fri Oct 06, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth questions and is it worth it?
Replies: 9
Views: 676

Re: Mega Backdoor Roth questions and is it worth it?

If it is just a matter of getting an extra $1500/yr into a Roth or not while you are saving $100K+/yr, then who cares. Don't sweat it.

Regardless, that small amount going to a Roth or to a tax efficient index fund in a taxable account, makes little to no difference.
by mhc
Fri Oct 06, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: bonus tax question
Replies: 7
Views: 512

Re: bonus tax question

Before you worry about making quarterly estimated tax payments, look into the safe harbor rules. If your income is drastically higher this year because of the bonus, you do not need to be concerned about under withholding penalties. You will have to pay the taxes at some point. Later is better than ...
by mhc
Wed Oct 04, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Shipping Issues since move from UPS to USPS
Replies: 122
Views: 43791

Re: Amazon Prime Shipping Issues since move from UPS to USPS

If you do not get the package within the promised time window, you should initiate a chat and ask for a free 1 month prime addition. This is their standard way to "get rid" of you. I always contact Amazon when the delivery is late. They have been giving me $10 per item that is late and sometimes th...
by mhc
Tue Oct 03, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Shipping Issues since move from UPS to USPS
Replies: 122
Views: 43791

Re: Amazon Prime Shipping Issues since move from UPS to USPS

If you do not get the package within the promised time window, you should initiate a chat and ask for a free 1 month prime addition. This is their standard way to "get rid" of you. I always contact Amazon when the delivery is late. They have been giving me $10 per item that is late and sometimes th...
by mhc
Tue Oct 03, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: RSU's as a Consultant
Replies: 2
Views: 208

Re: RSU's as a Consultant

I would liquidate them and diversify as soon as possible.

I would also ask for more because of the added risk due to the black out period.
by mhc
Tue Oct 03, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Do I have to choose between buying home in HCOL and FIRE or can I have both?
Replies: 35
Views: 2548

Re: Do I have to choose between buying home in HCOL and FIRE or can I have both?

Depends on how long you want to work. Seems like with your income level you could work 20 years in Denver living in a house and then retire.
by mhc
Tue Oct 03, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage instead of bond investment
Replies: 28
Views: 2165

Re: Pay off mortgage instead of bond investment

Welcome to the forum. I was in a similar situation in 2007. I chose to pay off my mortgage. Looking back, I have no regrets. From a financial perspective, only time will tell if it is the corrrect decision. From an emotional/comfort perspective, you will benefit every day. I like a simple life. Remo...
by mhc
Tue Oct 03, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Add to 529 to Keep Funding Taxable?
Replies: 38
Views: 1899

Re: Add to 529 to Keep Funding Retirement?

Fund your retirement first. Once that is in the bag, you can cash flow college expenses.

As the previous poster said, you don't need tax exempt bonds in an IRA. Go with a regular total bond fund.

3 years of emergency fund with your portfolio size is extremely conservative.
by mhc
Mon Oct 02, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: General Financial Planning Philosophy
Replies: 11
Views: 1259

Re: General Financial Planning Philosophy

OP you should check your survivor benefits from paying into Social Security. It can be substantial when you have kids.
by mhc
Mon Oct 02, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2041

Re: On the video games path - how to set it up with younger kids

One way to choose the console is based on what friends have. This way they can play together (on-line using headsets). My son is 13. He earned the money to buy the console, headset, and games. He also earned the money to buy the chair that he sits in to play Xbox. You will have to determine the prop...
by mhc
Fri Sep 29, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing service costs instead of donations
Replies: 7
Views: 408

Re: Increasing service costs instead of donations

I guess it depends who ends up getting your money. If you go down to the homeless shelter or day labor center and hire people, then that would be great. If you direct your funds toward people who are already well off, then I don't see that you would accomplish much. If your goal is to help people, t...
by mhc
Fri Sep 29, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Question: Why do people put/keep millions of dollars in investment accounts?
Replies: 66
Views: 8262

Re: Question: Why do people put/keep millions of dollars in investment accounts?

I have a day job that pays well and I generally enjoy. I choose passive investing that takes little of my time so that I can pursue the things I really enjoy. Investing directly into real estate or business would take more time and seem more like gambling because they are not as well diversified as ...
by mhc
Thu Sep 28, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Stock Options with Company Merger
Replies: 8
Views: 477

Re: Stock Options with Company Merger

My guess is that your options will vest immediately. You would then exercise them usually with a cashless transaction. This means that some shares will be withheld to cover the taxes. The difference between FMV and option price will show up on your w-2 as ordinary income. The boglehead way is then t...
by mhc
Tue Sep 26, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Question
Replies: 20
Views: 759

Re: Windows 10 Question

ubermax wrote:
Tue Sep 26, 2017 3:54 pm
jebmke wrote:
Tue Sep 26, 2017 3:31 pm
I usually just right click a directory and click "Open up in a new window"
What's the difference , if any , between a directory and a folder ?
Usually the age and/or background of the speaker.
folder = directory
by mhc
Tue Sep 26, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: New Deferred Compensation Plan question
Replies: 6
Views: 761

Re: New Deferred Compensation Plan question

There is risk with a NQDC plan. The company could go under before you get the money. The closer you are to retirement, the lower the risk. How close are you to retirement?

Also, look at the investment options and the cost of the program.
by mhc
Tue Sep 26, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Bonus and tax question
Replies: 14
Views: 1348

Re: Bonus and tax question

I agree with the bird in hand. Take it this year.

Do you have any stock grants that you will be selling or anything else that will dramatically affect your income?
by mhc
Wed Sep 13, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4311

Re: How often do you put money in Vanguard

2 IRA contributions in January (his and hers)

Then only when I exceed some arbitrary excess cash threshhold in my checking account. This is usually ~4 times a year.
by mhc
Tue Sep 12, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10721

Re: The 10 year car ownership "rule"

For me, there is no time limit. I'll keep a car as long as it is reliable and suits the job.

I have a 14 year old Honda CR-V and 11 year old Honda Odyssey.
by mhc
Tue Sep 12, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18402

Re: Is it really Worth it to brown bag your lunch at work?

I bring my lunch every day. It is part of my 11 year plan to get to ER. Lunch out would be more in the $8-12 range at a fast food or sandwich shop. I do miss out on the networking, but I eat lunch at the park. It gives me a chance to unwind, relax, and recharge for the afternoon. The savings could e...
by mhc
Tue Sep 05, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: How to cut Garden Trellis?
Replies: 24
Views: 1352

Re: How to cut Garden Trellis?

Ask around to see who has a sawzall or cutting torch. Either borrow it or have them come over. People with "cool" toys like to use them. Repay them with a 6 pack or homemade cookies or whatever is appropriate.
by mhc
Tue Sep 05, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3547

Re: Wanting a Portable Auto GPS

I prefer a phone. Google maps is great. I live in the mountain west, so there is not always cell phone coverage. I just use my old GPS in those situations; otherwise, it is always my phone. Again, why stop using you phone's GPS if there's no cell phone coverage? I don't use Google Maps, but I do be...
by mhc
Tue Sep 05, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3547

Re: Wanting a Portable Auto GPS

I prefer a phone. Google maps is great.

I live in the mountain west, so there is not always cell phone coverage. I just use my old GPS in those situations; otherwise, it is always my phone.
by mhc
Thu Aug 31, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Pork shoulder on Weber E-310: Best practices?
Replies: 37
Views: 2581

Re: Pork shoulder on Weber E-310: Best practices?

I wouldn't put too much thought into it. It is almost impossible to screw up a pork butt. In general, cook it somewhere between 225-275F (300F isn't too far off). Cook it until a meat probe can slide in easily (usually around 205-210F). The bone should pull out cleanly with little to no resistance. ...
by mhc
Mon Aug 28, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Have Zero Credit Cards?
Replies: 129
Views: 6186

Re: Bad Idea to Have Zero Credit Cards?

On-line purchases are more difficult. Cannot use credit card to auto-pay bills. Cash back of 2-5% on purchases. Provides some recourse if having trouble with sellers. Travel can be difficult. Credit rating could drop which could affect insurance rates and possibly employment opportunitites. I see li...
by mhc
Thu Aug 24, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 4444

Re: Exhaust Fan for the bathroom

I researched this recently. There are plenty of videos to show how to install a fan. You can watch the videos and determine for yourself if this is a project you can and want to do. I would suggest reading the reviews on Amazon or Home Depot to determine the proper fan for your bathroom. If your fan...
by mhc
Thu Aug 24, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Self insuring
Replies: 15
Views: 761

Re: Self insuring

I have not cut the cord, but I have very high deductibles. I only have liability insurance on cars, homeowner insurance, and umbrella insurance. I probably spend $1500/yr on insurance.
by mhc
Wed Aug 23, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 4851

Re: Eclipse Traffic: predictions vs reality?

I went to Agate Fossil Beds National Monument in western Nebraska. The drive home to northern Colorado was just under 4 hours. Normally, it would take 2.5 hours. One of my co-workers went up I-25 to Glendo Lake in Wyoming. She said it took 5 hours to go 1 mile from the lake to the interstate after t...
by mhc
Tue Aug 22, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 5804

Re: I did it and feel great about it (paid off mortgage)

Steven,

congratulations!

You won't know for many years if it was the correct financial mover or not, but it can sure feel good.

I paid mine off right before the great recession. I was glad that the money went to the mortgage instead of a collapsing market.
by mhc
Tue Aug 15, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11976

Re: Postal Service -- "informed delivery"

Do folks still get things of value in the mail? I switched everything to paperless billing. I occasionally get replacement credit or debit cards in the mail, but everything else is junk. I still get birthday cards, Christmas cards, and personal letters in the mail. Not everyone in the world has acc...
by mhc
Tue Aug 15, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11976

Re: Postal Service -- "informed delivery"

Thanks. I just signed up. It will be interesting to see how well it works.
by mhc
Tue Aug 15, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: How much coverage should I buy in an umbrella liability policy
Replies: 15
Views: 1689

Re: How much coverage should I buy in an umbrella liability policy

I think one has to look at state and federal laws to see how ones assets are protected against law suits.
by mhc
Tue Aug 15, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3466

Re: What kind of hotel do you get on business travel?

Had been staying in a Westin, but now I use a Hyatt Place when I travel to my headquarters. We have lots of options when we book travel.
by mhc
Mon Aug 14, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7840

Re: Aug. 2017 US total eclipse hotel reservations.

Maybe people can give a report on their experience after the eclipse. I am spending the weekend in the Black Hills. The drive down to the eclipse should be easy. I will watch it in western Nebraska. There is virtually no population north of western Nebraska. I wonder how the drive home to Northern C...
by mhc
Thu Aug 10, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6660

Re: What Percentage CASH are you?

I do not separate out my checking account from my retirement portfolio because when I retire, the money in my checking account will be part of my retirement portfolio. I also do not have an emergency fund. Everything is my retirement portfolio. 80% equity funds 18.5% bond funds 1.5% cash That is my ...
by mhc
Wed Aug 09, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 52
Views: 4087

Re: Do you plan to ditch your laptop in travel soon?

I stopped carrying a laptop on personal travel several years ago. I replaced it with a tablet. I could go with only a phone, but the tablet is much better for watching movies on planes or in the hotel room.

At home I rarely use my laptop anymore. I do most things on my tablet.
by mhc
Tue Aug 08, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 8209

Re: Still Buying As planned Regardless Of The World Situation

If the world situation is so bad then why are the markets so high? I'm no economist or historian, but the two don't seem like they would go together.

During the great recession when things were bad, the market was down.