Search found 3544 matches

by mhc
Tue Feb 20, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Ins. Drop Comprehensive and Collision?
Replies: 10
Views: 531

Re: Auto Ins. Drop Comprehensive and Collision?

I'm in a similar situation, and I dropped mine last year.
by mhc
Tue Feb 20, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Cut down on retirement savings to build emergency fund
Replies: 20
Views: 1103

Re: Cut down on retirement savings to build emergency fund

I would not give up the tax advantage space. Keep contributing to retirement funds. If you have another emergency before you rebuild your emergency fund, you can pull money from your Roth.
by mhc
Fri Feb 16, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Deploying bonus
Replies: 5
Views: 654

Re: Deploying bonus

All new money goes to my checking account. Once it exceeds a certain threshhold, I invest it.
by mhc
Thu Feb 15, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth - How am I doing?
Replies: 14
Views: 2214

Re: Net Worth - How am I doing?

I see it as relative to your goals. How you are doing compared to others doesn't help you achieve your goals. It merely changes ones emotional state.
by mhc
Thu Feb 15, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 1854

Re: Just added Total Int'l Stock; add Total Int'l Bond too?

It's a toss up if you should do it or not. I would not add them to a taxable account if you are in a higher tax bracket. If it is an IRA or 401k, maybe. I don't have them, and I have no plans to add them.
by mhc
Thu Feb 15, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Diamonds [Earrings and ring]
Replies: 13
Views: 877

Re: Diamonds [Earrings and ring]

I bought my DW wedding ring, necklace, and earrings all at Blue Nile. It has been over 10 years. At the time, I really like the site, and my research showed it was a reasonable way to go. I don't know the best path today.
by mhc
Thu Feb 15, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage because of new tax deductions?
Replies: 10
Views: 1841

Re: Pay off mortgage because of new tax deductions?

I would pay it off because it is a reasonable financial decision and it simplifies life.
by mhc
Tue Feb 13, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: HSA sucks: Help
Replies: 7
Views: 1101

Re: HSA sucks: Help

#2 will have higher payroll taxes.
by mhc
Tue Feb 13, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage recommendation
Replies: 11
Views: 543

Re: Brokerage recommendation

The normal recommendations, as you probably know, are Vanguard, Fidelity, and Schwab.

Are you going to switch from Vanguard or add a second brokerage? If you want to add a second, why?
by mhc
Tue Feb 13, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing this right?
Replies: 13
Views: 838

Re: Am I doing this right?

In general you look like you are on the right track.

You should read: https://www.bogleheads.org/wiki/Tax-eff ... _placement

Why do you have a life insurance policy since you are single?

Whole life insurance is usually not very desirable.
by mhc
Tue Feb 13, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Am I missing something?
Replies: 4
Views: 577

Re: Am I missing something?

Your understanding of "stay the course" is correct.

People are at different levels of agreement with that belief, so there are a variety of reactions. Also, people are at different stages of their lives, so a "corrrection" impacts people differently. Some people are worriers, and some aren't.
by mhc
Tue Feb 13, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11015

Re: Did you learn anything from the market correction?

It confirmed that my AA is correct and that I am not likely to make behavioral errors.

My portfolio went down the equivalent to my annual salary. I didn't even flinch. I'm still buyin through the whole thing.
by mhc
Tue Feb 13, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 114
Views: 8021

Re: What big item (>20k) are you saving up for?

I just got my annual bonus. I'll set aside $20k for our summer vacation.
by mhc
Mon Feb 12, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Lower Payroll Withholding - What are you doing with it?
Replies: 32
Views: 2278

Re: Lower Payroll Withholding - What are you doing with it?

I don't track these things that closely to notice. Also, I set my 401k contributions to 50% at the beinning of the year. My paychecks are small until that is done.
by mhc
Thu Feb 08, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Brokerage sweep fund- not worth the trouble
Replies: 5
Views: 578

Re: Brokerage sweep fund- not worth the trouble

With Vanguard I have my checking account linked to Vanguard. All distributions go directly to my checking account. All purchases come directly from my checking account. I don't need to hold cash at Vanguard.

I don't know how TDA works.
by mhc
Thu Feb 08, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 8613

Re: Tenants want to break lease early and is pregnant

If it will be easy to find new renters and you can raise the rate, then let your current tenants go with no penalty. Being kind is always a good thing.
by mhc
Wed Feb 07, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: New to site and looking for some guidance
Replies: 8
Views: 343

Re: New to site and looking for some guidance

I would say AXA is that bad. The expense ratios are too high. The options are poor. Most around here prefer Vanguard, Fidelity, and Schwab.
by mhc
Wed Feb 07, 2018 9:57 am
Forum: Investing - Help with Personal Investments
Topic: New to site and looking for some guidance
Replies: 8
Views: 343

Re: New to site and looking for some guidance

Dirtdude,

welcome to the forum.

Before investing any more money or changing anything, take some time to figure out a long term plan that will work for you.

I would suggest reading through the wiki on this site.
by mhc
Wed Feb 07, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Investment ideas for my Saturna HSA
Replies: 3
Views: 177

Re: Investment ideas for my Saturna HSA

I use my HSA as part of my entire portfolio. I hold a single TSM mutual fund in my HSA. The Saturna mutual funds look expensive. Are there no fee ETFs available through the self-directed brokerage option? Did you choose Saturna or did your company choose it for you? You could use a different HSA adm...
by mhc
Wed Feb 07, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Buying options on ESPP shares
Replies: 5
Views: 317

Re: Buying options on ESPP shares

You are way over thinking it. Sell the shares immediately when you get them and don't bother with options. KISS
by mhc
Tue Feb 06, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 26
Views: 1507

Re: Vacation options for wide age-range of children?

For a shorter trip (1 week), try staying in state. We have done this many years as a family. Here are some of our favorites. Manitou Springs Pikes Peak North Pole Garden of the Gods Air Force Academy Olympic training center Florissant Natl Monument Glenwood Springs hot springs pool adventure park da...
by mhc
Tue Feb 06, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 26
Views: 1507

Re: Vacation options for wide age-range of children?

OP, I live just north of you. We have taken road trips with our kids ever since they were born. If you have not been to Yellowstone, I highly recommend it. I didn't see mention of the length of the trip. Here are my recommendations. 1 week trip: drive to Jackson and spend the night, next day drive t...
by mhc
Tue Feb 06, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: changing from a Vanguard mutual fund account to a Vanguard brokerage account
Replies: 16
Views: 1208

Re: changing from a Vanguard mutual fund account to a Vanguard brokerage account

I converted my taxable account last month. With just a few clicks, it was done. I'm looking forward to the consolidated 1099.
by mhc
Thu Feb 01, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Advise on dealing with previous employer
Replies: 6
Views: 616

Re: Advise on dealing with previous employer

There are state laws on when employers must pay their employees. While you are waiting the two weeks to see if the money comes, brush up on your state laws.
by mhc
Thu Feb 01, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Money
Replies: 25
Views: 2540

Re: Emergency Money

I have $0 earmarked as emergency money. I think it has been over 25 years since I needed emergency funds. If I have an unexpected expense that I can't cash flow, I'll just sell something. I'm not sure people not being able to handle a $400 emergency expense well is a reflection of 21st economics. It...
by mhc
Thu Feb 01, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: 401K options
Replies: 5
Views: 349

Re: 401K options

google "mega backdoor roth"

Many bogleheads would love to have this option. I recently sent my 401k reps in my company asking about adding this ability.
by mhc
Thu Feb 01, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Help choosing bond for my current 401k
Replies: 4
Views: 438

Re: Help choosing bond for my current 401k

NTAIT is the way to go. It's low cost and well diversified.
by mhc
Wed Jan 31, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: Help choosing bond for my current 401k
Replies: 4
Views: 438

Re: Help choosing bond for my current 401k

You should list the expense ratios for each funds not the share price.

NT AGG BOND INDEX DC NL TIER 3 Core is probably the one to go with if the expense ratio is reasonable. It is a well diversified intermediate bond fund from Northern Trust.
by mhc
Wed Jan 31, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: "Index funds will, by their very definition, return the benchmark and be the median return."
Replies: 22
Views: 2386

Re: "Index funds will, by their very definition, return the benchmark and be the median return."

Active funds will generally trail passive funds for at least two reasons: 1. Active funds tend to have higher expense ratios. 2. Active funds tend to have higher turnover which causes them to be less tax efficient. In a tax sheltered account this may not matter as much. Active funds have a whole lis...
by mhc
Wed Jan 31, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 5554

Re: New car - how much can we afford?

You could easily afford $50-100k.

Get a nice new car for the family.
by mhc
Wed Jan 31, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - Is it worth it.
Replies: 43
Views: 2944

Re: Umbrella Policy - Is it worth it.

If you are sued, your assets and future income are at risk. In theory, the insurance cost is based on that risk plus some additional cost for overhead. The inefficiancy of having the insurance is paying for the insurance company's overhead. If you are going to have umbrella insurance, $1 million see...
by mhc
Wed Jan 31, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Buying on BD's and RBD's
Replies: 9
Views: 440

Re: Buying on BD's and RBD's

Yes, monitor the ETF version of the MF to see what the MF will do.
by mhc
Wed Jan 31, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2194

Re: looking for positive experiences transferring to Vanguard

I have been with Vanguard for almost 15 years. I currently have 12 different accounts with them. I have never had a customer service issue. After getting married, we moved my DW's 2 401k accounts into a Vanguard IRA with no issues. I also have my DAF with Vanguard Charitable which is linked to my Va...
by mhc
Tue Jan 30, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Denver Metro Real Estate market
Replies: 17
Views: 1307

Re: Denver Metro Real Estate market

I'm not going to answer all your questions directly because I can't. I would rent first to learn the area. You will probably have to increase your commute until you can afford a house. There are many people that work in that area, have a family, and make less than you do. Water under the bridge, but...
by mhc
Tue Jan 30, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Advice needed for investing in a taxable account
Replies: 8
Views: 537

Re: Advice needed for investing in a taxable account

Since you are already familiar with Vanguard, I would stick with Vanguard. Use Total Stock Market Index and/or Total International Stock Market Index in your taxable account. They are both low cost, well diversified, tax efficient funds. Buy whichever will give you your desired asset allocation.
by mhc
Tue Jan 30, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Divesting Company Stock Options
Replies: 9
Views: 554

Re: Divesting Company Stock Options

Mototrojan, I make no mention of RSUs in my first post. I view unexercised stock options and unvested RSUs in a very similar fashion. I see them both as future potential income. I sell stock options once most of the extrinsic value has been extracted. I sell RSUs as soon as they vest. I am making no...
by mhc
Tue Jan 30, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Divesting Company Stock Options
Replies: 9
Views: 554

Re: Divesting Company Stock Options

2) paying off mortgage is always a good idea in my book. some will say the money can be put to better use. maybe true, but the mortgage is a sure thing. I paid mine off just before the 2008-2009 crash instead of investing. Sometimes the timing works out perfectly, sometimes it doesn't. 1) Options ar...
by mhc
Mon Jan 29, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3895

Re: what do/did you do with your evenings with a Toddler in winters ?

play with balls, tinker toys, legos, puzzles, dress up, wrestle, read, music, dance, build forts, tag along for house choirs, ...

If you have a garage, park the cars in the drive way and build an obstacle course in the garage.

Bundle up and go outside with flashlights.
by mhc
Fri Jan 26, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Best option for tax-inefficient funds in taxable
Replies: 13
Views: 743

Re: Best option for tax-inefficient funds in taxable

If you currently donate cash to charities, you could start donating shares of the funds you want to deplete. Then, take the cash you would normally donate and buy shares of the funds you want. I have been doing this for several years now.
by mhc
Thu Jan 25, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard fund minimum question.
Replies: 14
Views: 1081

Re: Vanguard fund minimum question.

OP, I hope you are not making this too complicated by sticking to the letter of the law. If your portfolio is less than $100k, I would not worry too much about rebalancing. Your saving rate is more important than rebalancing. Also, can you bring it back into balance over time with new contributions?...
by mhc
Wed Jan 24, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 5166

Re: Pizza delivery asked for security code on my credit card with order

Why not give the security code? You already gave them all the other information. If you can buy things without the security code, couldn't they?
by mhc
Wed Jan 24, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Reserves
Replies: 6
Views: 744

Re: Cash Reserves

I don't see a place for cash in a portfolio except if you can yield more with it than with bonds.

I see cash for liquidity to pay bills and buy things. Cash is a real drag on a portfolio.
by mhc
Wed Jan 24, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange funds within 401k all at once or some type of dollar cost averaging
Replies: 5
Views: 182

Re: Exchange funds within 401k all at once or some type of dollar cost averaging

all at once

plot the total returns for the two funds. there really is not much difference.
by mhc
Tue Jan 23, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: [Invested today, so] Here Comes the long awaited Correction
Replies: 9
Views: 2068

Re: Here Comes the long awaited Correction

I think this is why a lot of people just invest the money as soon as it is available. Timing the market tends not to work too well.
by mhc
Tue Jan 23, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Can we pull the plug (retire)?
Replies: 10
Views: 2794

Re: Can we pull the plug (retire)?

It looks like you could easily do the phased retirement from a financial perspective. You could probably even fully retire.

Have you played with any of the retirement calculators like firecalc to see what it shows?
by mhc
Tue Jan 23, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Using disinfecting wipes to clean surfaces
Replies: 48
Views: 3065

Re: Using disinfecting wipes to clean surfaces

Seems like a gallon of bleach, water from the tap, a bowl/bucket, and some rags could do the job. A little bleach in water will do the job. Use old tee shirts or wash clothes as rags.
by mhc
Mon Jan 22, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation from a Fee Only Advisor
Replies: 25
Views: 2581

Re: Recommendation from a Fee Only Advisor

Yours is better than the advisor's from a simplicity perspective. I prefer a 3 fund portfolio (TSM, TISM, TBM), but your portfolio is reasonable. Only time will tell if the extra complexity will pay off.
by mhc
Mon Jan 22, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school
Replies: 42
Views: 3284

Re: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school

An experienced IC mask designer (layout) can earn $100k+ with full benefits in an average cost of living area. It is better to have some sort of 4 year engineering technology degree focused in electrical engineering, but it is not a requirement. I am unsure if the industry is changing, but I use to ...