Search found 3801 matches

by mhc
Thu Jan 17, 2019 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a tool that can take a fund and convert it to closest Vanguard fund?
Replies: 7
Views: 440

Re: Is there a tool that can take a fund and convert it to closest Vanguard fund?

I would recommend an alternate approach. Figure out the desired asset allocation. Then figure out the US/Intl split. Then buy the 3 funds to meet the goal. If you want to replicate the allocation she currently has, then plug all the info into Morningstars Instant X-ray tool. It will tell you the bre...
by mhc
Thu Jan 17, 2019 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Should I buy Company Stock in 401(k)
Replies: 8
Views: 534

Re: Should I buy Company Stock in 401(k)

I would not hold company stock in 401k or anywhere else. 1. Company stock is not diversified. You will be taking on uncompensated risk. 2. An employee has a lot of risk tied to his employer. Holding company stock only increases the risk. Worst case scenario is if your employer goes belly up, you wil...
by mhc
Thu Jan 17, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 851
Views: 44336

Re: John Bogle has died at age 89

I am grateful for the positive impact he made on so many people.
by mhc
Wed Jan 16, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Ever encountered a toxic advisor? How did you handle it?
Replies: 25
Views: 3051

Re: Ever encountered a toxic advisor? How did you handle it?

I have never encountered a toxic advisor because I do not have any advisors. I know I look like a rube at cocktail parties because I don't have an advisor, but that is okay because I don't go to cocktail parties.

What does your TIAA advisor do for you?
by mhc
Mon Jan 07, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: investing until it's uncomfortable..or cruise control
Replies: 8
Views: 882

Re: investing until it's uncomfortable..or cruise control

A few things to consider:

1. you may not be able to work as long as you like due to circumstances outside your control

2. if you start spending that additional money and get use to that lifestyle, then you will have to save even more to maintain that lifestyle in retirement
by mhc
Mon Jan 07, 2019 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - Use three Indexes to make Total Index?
Replies: 15
Views: 729

Re: 401k - Use three Indexes to make Total Index?

Welcome to the forum!

It is not a dumb question, and yes it can be done. Take a look at this wiki page:

https://www.bogleheads.org/wiki/Approxi ... ock_market

The wiki has a lot of useful information.
by mhc
Mon Jan 07, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Bedding (sheets) recommendations - having terrible experience finding quality sheets
Replies: 35
Views: 2320

Re: Bedding (sheets) recommendations - having terrible experience finding quality sheets

I don't know about quality, but I wanted quiet, soft sheets at a good value. I hate noisy sheets. I found that jersey sheets fit the bill quite well. They are soft, comfy, and very quiet at an afffordable price.
by mhc
Fri Jan 04, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8258

Re: What Do You Spend The Most On Annually?

2018

Retirement savings
Taxes
Charitable giving
New car
Vacations
Food

Everything else is way behind these.
by mhc
Thu Jan 03, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: What Sudden Needs of Cash Do You Prepare For?
Replies: 64
Views: 3602

Re: What Sudden Needs of Cash Do You Prepare For?

The other one I would through in there is medical deductible. I think mine is $3k for first tier and $6k max out of pocket.

Maybe a couple thousand for emergency travel. My parents are older, and who knows.
by mhc
Wed Jan 02, 2019 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Returns Extremely Disappointed
Replies: 44
Views: 5045

Re: Vanguard Returns Extremely Disappointed

Don't be so disappointed. Sounds like you bought yourself an education just like the rest of us.
by mhc
Wed Jan 02, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: Can I trust a fund/index?
Replies: 12
Views: 822

Re: Can I trust a fund/index?

Welcome to the forum. Yes you should be concerned about these things. I always look at the chart of a fund vs its index to see how well it tracks. I have learned over time that companies like Vanguard, Fidelity, and Blackrock do a good job. Spend some time up front and you will learn that there is n...
by mhc
Wed Jan 02, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: What is the truth - paper towels vs. electric hand dryer?
Replies: 38
Views: 2286

Re: What is the truth - paper towels vs. electric hand dryer?

I don't know, but some of the new dryers are so loud I can't stand them. They sound like jet engines.

Sometimes I like to wash my face. I hate drying my face with an electric dryer, especially the blade style.
by mhc
Wed Jan 02, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Nicer Denver Areas
Replies: 19
Views: 2239

Re: Nicer Denver Areas

I think it really depends on what you will be doing in Denver. There are several hotels near the 16th street mall that are in walking distance of many of the downtown attractions. The hotels are also a short distance to the museums, zoo, Pepsi Center, ....
by mhc
Thu Dec 27, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable contributions as a tax efficiency tool
Replies: 5
Views: 238

Re: Charitable contributions as a tax efficiency tool

I see a few factors that need to be considered in setting up a DAF: 1. Does it make it easier to donate funds that have long term cap gains? Some charities may not be able to easily accept them. 2. Does the DAF allow one to itemize deductions by bunching deductions? 3. Does one donate enough to hit ...
by mhc
Wed Dec 19, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does carrying a credit card with a very high limit bother you? Say you have credit card for 50k but never spend more
Replies: 71
Views: 3405

Re: Does carrying a credit card with a very high limit bother you? Say you have credit card for 50k but never spend mor

I prefer a higher limit. My credit card is the easiest way to handle most emergencies. Sure I can get cash, but it will take a few days.
by mhc
Wed Dec 19, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Saving on Home Improvement Repairs
Replies: 29
Views: 1754

Re: Saving on Home Improvement Repairs

OP, if you think it will work, then go for it. Let us know how it turns out, even though everyone is telling you it likely won't work. My brother owns his own business. He tells me many customer horror stories. I really doubt he would be willing to train a stranger. Customers are notorious for not s...
by mhc
Wed Dec 19, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Interior repaint frequency?
Replies: 17
Views: 1418

Re: Interior repaint frequency?

I think you have to decide for yourself. Lots of factors. After I got married and my wife moved into my house, we spent 5 years painting every wall in the house. Everything had been white from when the house was built. After finishing, my wife recommended that we repaint the dining room. I was seein...
by mhc
Wed Dec 19, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Considering Personal Capitial Wealth Managment
Replies: 6
Views: 519

Re: Considering Personal Capitial Wealth Managment

Welcome to the forum. I acknowledge that self management is not for every one. I do not service my own car. 8 years ago I decided the best way for me to save/make more money was to learn the proper way to invest. Fortunately, I found this site. With little effort I learned all the basics. The time s...
by mhc
Tue Dec 18, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX or VFIAX
Replies: 6
Views: 499

Re: Tax loss harvest VTSAX -> VLCAX or VFIAX

ERs are 0.04% and 0.05%. Both are so small. I don't think it really matters.

Either fund choice is fine. Choose one and move on. You may be TLH again before the year is up.
by mhc
Mon Dec 17, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Would like some advice on a family minivan
Replies: 17
Views: 1082

Re: Would like some advice on a family minivan

W got rid of our 2006 Odyssey this year for a 2018 Odyssey. Overall, it is a nice upgrade, but there are definitely some annoying things about it. The engine shuts off when we stop. It is horrible for quick stop start situations. The adaptive cruise control is quite annoying. I don't want to adapt t...
by mhc
Mon Dec 17, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Buy SFH for rental?
Replies: 31
Views: 857

Re: Buy SFH for rental?

A couple things I don't understand. 1. where does $1k/yr maintenance come from? The rule of thumb I usually see is 1%. 2. It looks like you are using a 3% inflation number. If so, I do not think it is correct to add together numbers from different years. The real value of those dollars is not the sa...
by mhc
Sat Dec 15, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Nice gifts for young kids
Replies: 33
Views: 2654

Re: Nice gifts for young kids

bicycle, tee ball set, tool set, puzzles, thomas track and trains, legos, rifle, puppy, horse, snake, books, smart speaker, fishing rod, ...

Really depends on so much.
by mhc
Thu Dec 13, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: [How much of an emergency fund do I need?]
Replies: 17
Views: 1089

Re: How badly will unemployment be during next recession?

I've been in tech for 26 years. Here are the things I see affect how long it takes someone to find a new job: 1. skill set (keep current) 2. network (develop before the recession, always have a couple of options on where to go next) 3. willingness to relocate 4. flexibility to take a different role ...
by mhc
Thu Dec 13, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6058

Re: Should I buy a Tesla?

Since you are starting a new job, I would wait a year to see how the job works out before you drop $40k.

I would also make sure you have a proper emergency fund and max out all tax advantaged accounts before spending $40k.
by mhc
Thu Dec 13, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Investment restriction
Replies: 3
Views: 369

Re: Investment restriction

The note should explain exactly what is restriced or link to something that tells you what is restricted.

In the past auto-investments were not restricted. I have set up 1-time auto investments to work around the restrictions.
by mhc
Thu Dec 13, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard Charitable Website Improved
Replies: 5
Views: 607

Re: Vanguard Charitable Website Improved

I'm glad to hear this. Although, I have never had a problem pulling VG funds from VG-C.

I thought I read that you can now push from VG to VG-C.
by mhc
Wed Dec 12, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move to Wells Trade or Vanguard?
Replies: 4
Views: 403

Re: Should I move to Wells Trade or Vanguard?

Switching to Vanguard and using a Target Retirement Fund or Lifestrategy fund or 3 fund portfolio is my recommendation.

Any of the 3 above choices are sound. Figure out your Asset Allocation (AA) and then choose the appropriate fund(s).
by mhc
Wed Dec 12, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Recession Coming
Replies: 56
Views: 7323

Re: Recession Coming

Dry Powder?

I stay fulling invested. I don't time the markets. I don't think I will be attacked anytime soon.
by mhc
Wed Dec 12, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4094

Re: Donate to homeless?

I think it depends on where you live. I use to volunteer at the homeless shelter. I knew a lot of the homeless in town. I became very familiar with them. In general I agree that it is better not to give them cash. My preference is to go into the store and let them pick out food or go to a restaurant...
by mhc
Tue Dec 11, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax & Capital Gains on International in Tax-Advantaged
Replies: 7
Views: 262

Re: Foreign Tax & Capital Gains on International in Tax-Advantaged

You understanding is correct. You miss out on the FTC when holding an international fund in a tax advantaged account. This is why some prefer to hold it in a taxable account. One needs to also look at the dividends paid by an international fund as compared to a US fund. In particular, look at what p...
by mhc
Tue Dec 11, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Choosing retirement plan?
Replies: 5
Views: 679

Re: Choosing retirement plan?

That is way too many funds. Manage it yourself. The 3 fund portfolio is so simple and so good.

https://www.bogleheads.org/wiki/Three-fund_portfolio
by mhc
Tue Dec 11, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: 401k Match for Highly compensated employee
Replies: 4
Views: 517

Re: 401k Match for Highly compensated employee

The $19k is the employee contribution limit. The employer match does not count against that limit. There is a $56k limit also. Take a look at:

https://thefinancebuff.com/401k-403b-ir ... imits.html
by mhc
Mon Dec 10, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Low Basis Mutual fund shares (Meridian) and making a charitable contribution
Replies: 3
Views: 166

Re: Low Basis Mutual fund shares (Meridian) and making a charitable contribution

This will not answer your question, but it is something to consider. Are you familiar with Donar Advised Funds (DAF)? I would think you might be able to pull off a DAF before the end of the year. You could fund the DAF with the shares, and then you could recommend the grant. If not for this year, yo...
by mhc
Sat Dec 08, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Can 401k match true-up be per paycheck instead of end of year?
Replies: 2
Views: 314

Re: Can 401k match true-up be per paycheck instead of end of year?

I will answer the question in the title of the thread. Yes.

I know companies are allowed to do it because my company does it.
by mhc
Thu Dec 06, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22357

Re: What are others paying for property taxes around the US?

about 0.5% of the value (Colorado)
by mhc
Thu Dec 06, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor suggesting 90/10
Replies: 41
Views: 3190

Re: Vanguard advisor suggesting 90/10

There is nothing wrong with 90/10, but if the market tanks, will you panic and change the asset allocation(AA)? 90/10 is too aggressive for some and can cause behavioral errors. If 90/10 is too aggressive, then go for 80/20, 70/30, 60/40, or 50/50. No one knows which will be best. You need to determ...
by mhc
Thu Dec 06, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 13011

Re: Who else is getting excited?

meh Just another year closer to retirement. These years happen. I've been buying mutual funds for over 30 years. The market is what it is. Now watching my children play basketball is exciting. Seeing a friend's son pull through life threatening surgery in flying colors is exciting. I also find the N...
by mhc
Thu Dec 06, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Should We Sell Our RSU Stocks?
Replies: 6
Views: 549

Re: Should We Sell Our RSU Stocks?

Welcome to the forum! Most around here recommend selling RSU shares as soon as they vest. That's what I do. Once you have the money, then one has to decided the best use for the money. You don't list the details of your mortgage or tax situation or other debt, so it's hard to make a recommendation. ...
by mhc
Fri Nov 30, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Keyboard and Mouse recommendations
Replies: 6
Views: 283

Re: Keyboard and Mouse recommendations

I like the Logitech 510s gaming keyboard because it has a lot of macro keys. I believe it has mechanical keys. It is a large keyboard with lots of keys.

You may want to go to the store and try out different keyboards to see what works for you.
by mhc
Fri Nov 30, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Online Account Access for Spouse
Replies: 23
Views: 1440

Re: Vanguard Online Account Access for Spouse

You can handle all this online on the Vanguard website. My DW has given me the permissions to handle everything for her. I do her annual IRA contribution and Roth conversion every year from my login account. I also have my individual accounts show up in her login so she can see everything; although,...
by mhc
Fri Nov 30, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4626

Re: How do Bogleheads justify taking vacation?

I value having shared experiences with my DW and children. I like having multiple weeks where we are together without the normal distractions of life. I also believe travel exposes my children to different experiences, cultures, food, history, .... I think this helps them have a well rounded up brin...
by mhc
Wed Nov 28, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Two Fidelity Zero Funds for Rollover IRA
Replies: 4
Views: 480

Re: Two Fidelity Zero Funds for Rollover IRA

How much would going from 0.01% to 0% save you? Is it really worth the effort?
by mhc
Wed Nov 28, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Adjust for projected bear market?
Replies: 18
Views: 1979

Re: Adjust for projected bear market?

Why do you have a "guy" if you are 100% total stock market?
by mhc
Tue Nov 27, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 2889

Re: Dual Monitor Set up

I have 3 24" monitors in front of me right now. I like to buy all the monitors at once so they match as much as possible. Mine are a few years old, but they are nice. They are HP ZR2440w. These are 1920x1200 which give more rows than a lot of monitors. Read about tn vs ips. If you are going to be lo...
by mhc
Tue Nov 27, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Financial goals for 2019 (specific)
Replies: 70
Views: 5676

Re: Financial goals for 2019 (specific)

UpperNwGuy wrote:
Mon Nov 26, 2018 5:21 pm
I have no financial goals for 2019 other than to stay the course.
+1

Held the course for 7 years now. I need just a few more till retirement.
by mhc
Mon Nov 26, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: LastPass Questions
Replies: 27
Views: 1774

Re: LastPass Questions

jumbopapa wrote:
Mon Nov 26, 2018 3:32 pm
powermega wrote:
Mon Nov 26, 2018 3:29 pm
DW and I use LastPass Premium and share all of our logins. Works well for us.
What does DW stand for?
Dear Wife
by mhc
Mon Nov 26, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Windows to Android file transfer over Wifi?
Replies: 7
Views: 426

Re: Windows to Android file transfer over Wifi?

USB cable
SD memory card