Red River Gorge, KY.
There are 160 natural arches in KY - absolutely beautiful and Red River Gorge has a large number of arches
Search found 171 matches
- Fri Jan 22, 2021 7:02 pm
- Forum: Personal Consumer Issues
- Topic: Best State and National Parks in the Southeast
- Replies: 54
- Views: 3836
- Fri Nov 20, 2020 9:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: Pay off mortgage or not
- Replies: 70
- Views: 7116
Re: Pay off mortgage or not
Most interested is paid on the front end of the loan. If you pay off half of the loan amount, you will significantly reduce the amount of interest you pay annually while still maintaining a cash cushion. Then, if you want, you can pay down more monthly or annually or intermittently. You can check va...
- Tue Nov 17, 2020 11:18 am
- Forum: Personal Finance (Not Investing)
- Topic: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?
- Replies: 124
- Views: 7003
- Sun Oct 25, 2020 8:57 pm
- Forum: Personal Finance (Not Investing)
- Topic: Paying cash for rental house vs. keeping cash on hand for future primary residence?
- Replies: 2
- Views: 262
Re: Paying cash for rental house vs. keeping cash on hand for future primary residence?
Pay cash for the rental.
The cost of borrowing money is less for a primary residence (lower interest rates on loans for primary residences).
The cost of borrowing money is less for a primary residence (lower interest rates on loans for primary residences).
- Fri Sep 25, 2020 5:17 am
- Forum: Personal Consumer Issues
- Topic: Buying a house in a city with historically declining housing prices?
- Replies: 17
- Views: 1915
Re: Buying a house in a city with historically declining housing prices?
One option and one recommendation... Rent for a year before deciding where to buy. This will give you time to understand the CLE market from within and see where makes sense. There Make sure whatever house you buy is one of the less expensive homes in your neighborhood. Buying a lower cost home in t...
- Fri Jul 31, 2020 5:49 am
- Forum: Personal Consumer Issues
- Topic: How long to keep a car
- Replies: 110
- Views: 9105
Re: How long to keep a car
Depends on the purpose of the vehicle. 1999 Suburban - For Dad and when the family all goes places together 2012 Dodge Journey - for the children drivers 2015 Ford Escape - for the spouse two parent family, four children, two of whom drive We will add another driver in a couple of months and probabl...
- Fri Jul 10, 2020 2:56 pm
- Forum: Investing - Theory, News & General
- Topic: Future value of REIT's
- Replies: 21
- Views: 1669
Re: Future value of REIT's
Having owned Vanguard REIT fund for 20 years, there are ups and downs. But the trend is upward, in spite of the collapse of 2008-2009, malls closing, and all kinds of doom and gloom. My return has been just shy of 10% annualized which is nothing to sneeze at. REITs will continue to be a key part of ...
- Thu May 28, 2020 9:28 pm
- Forum: Personal Investments
- Topic: If not 3 fund, whats your strategy ?
- Replies: 66
- Views: 4619
Re: If not 3 fund, whats your strategy ?
I am a little surprised no one to this point has mentioned low correlation as a factor in their fund choices. My funds are all Vanguard funds: Equity-Income (this fund is a proxy for Intermediate Term Bond Index Mid Cap Index REIT Index Prime Money Market I have held these funds for at least 18 year...
- Tue May 19, 2020 8:47 am
- Forum: Personal Finance (Not Investing)
- Topic: Mortgage - 15 year versus 30 year if both at same interest rate
- Replies: 26
- Views: 3782
Re: Mortgage - 15 year versus 30 year if both at same interest rate
Jeez and with a 800 credit score, for a loan of 165k I cant find anything below 3.5 on a refi.. Shop around and keep looking. Recently sold a house and the buyer got a 30 year 2.75% loan. A quick look online search showed 2.5% rate quotes for 15 year refinance on my personal property and 3.0% quote...
- Thu May 14, 2020 7:45 am
- Forum: Personal Investments
- Topic: Selling rental property - Has any used an iBuyer or Virtual Agent?
- Replies: 24
- Views: 1285
Re: Selling rental property - Has any used a Virtual Agent?
Do a FSBO (for sale by owner) Having purchased and sold homes with no real estate agents involved, I recommend this route. Lawyers rates vary, but the price I paid for a contract written and reviewed by a lawyer plus having the lawyer at the closing saved me thousands of dollars on the selling and p...
- Mon Apr 27, 2020 7:50 am
- Forum: Personal Investments
- Topic: Should I sell rental as planned or change course due to corona ?
- Replies: 7
- Views: 592
Re: Should I sell rental as planned or change course due to corona ?
I faced a similar situation. In the winter, I decided to sell a rental for several reasons in the spring. Corona hit and which made me question the decision. After talking it over with some friends, I decided to put it for sale and am completely satisfied. Just curious, what city in Florida is your ...
- Wed Apr 01, 2020 2:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Housing Market Response in this environment?
- Replies: 57
- Views: 7659
Re: Housing Market Response in this environment?
This is fascinating. Is this a property that is rented and being purchased as a rental? Was it shown or was it purchased based only on photos/videos? Pretty sure that they are not allowed to show properties around me as part of the stay at home order. The buyer is familiar with the house, already o...
- Wed Apr 01, 2020 2:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Housing Market Response in this environment?
- Replies: 57
- Views: 7659
Re: Housing Market Response in this environment?
I put a house on the market today - it took about 1 hour to get an offer at full asking price. Housing is market specific and real estate markets are less efficient than stock markets. If you are buying or selling, pay attention to what is going on in your market. Location, school district, and many...
- Tue Mar 24, 2020 11:23 am
- Forum: Personal Finance (Not Investing)
- Topic: What credit card are you using that is not Citi 2% cashback?
- Replies: 57
- Views: 9674
Re: What credit card are you using that is not Citi 2% cashback?
Amazon Prime for 5% on Amazon purchase
Lowe's for 5% at Lowe's
Thinking of adding Kroger card because we spend so much at Kroger (family of 6). Anyone with the Kroger MasterCard here?
Lowe's for 5% at Lowe's
Thinking of adding Kroger card because we spend so much at Kroger (family of 6). Anyone with the Kroger MasterCard here?
- Mon Mar 23, 2020 6:38 pm
- Forum: Investing - Theory, News & General
- Topic: Goldmans View - $110 S&P 500 EPS in 2020 (-33%), then $170 EPS in 2021 (+55%) - Near Term 2k S&P Going to 3k
- Replies: 12
- Views: 1559
Re: Goldmans View - $110 S&P 500 EPS in 2020 (-33%), then $170 EPS in 2021 (+55%) - Near Term 2k S&P Going to 3k
The S & P 500 high from Jan, 2007 were only passed more than five years later, in 2012.
all the best....
all the best....
- Fri Sep 06, 2019 8:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can it get better than 15 year fixed mortgage at 3%?
- Replies: 44
- Views: 3858
Re: Can it get better than 15 year fixed mortgage at 3%?
Just checked Aimloan today... quotes down to 2.5% for a 15 yr loan. My current rate is 3.375. Closing costs rise for lower interest rate loans, but they are worth if you plan to stay put for a few years.
- Wed Aug 28, 2019 8:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: GEICO auto rates vs. USAA: too good to be true?
- Replies: 210
- Views: 57017
Re: GEICO auto rates vs. USAA: too good to be true?
Used GEICO for several years ... then I got a quote from Kentucky Farm Bureau which was way lower. Now I have car and hone owners thru KFB and save a couple thousand/ yr.
When I checked recently, GEICO was close and other companies were not competitively priced.
When I checked recently, GEICO was close and other companies were not competitively priced.
- Tue Jul 16, 2019 9:20 am
- Forum: Personal Investments
- Topic: Bond question: VBTLX vs VBILX
- Replies: 20
- Views: 5028
Re: Bond question: VBTLX vs VBILX
As mentioned above, VBILX consistently outperforms VBTLX because of the slightly longer duration. It varies, but it is about 7 yrs vs 5 yrs. VBTLX also has a greater variety of bonds. Practically speaking, no bond mutual fund holder knows what types of bonds they hold in their mutual fund, for the m...
- Wed Jul 10, 2019 9:47 pm
- Forum: Personal Consumer Issues
- Topic: Automatic Watches
- Replies: 92
- Views: 7704
Re: Automatic Watches
I received a Citizen Ecodrive Atomic Watch as a gift. Found out it was bought on sale for $220. Once it is set, it will always keep the correct time. It stopped once because it was in a dark drawer out of sunlight but I put it in the sun for about 3 hours and it reset itself to the correct time. It ...
- Fri Jun 28, 2019 6:53 am
- Forum: Personal Investments
- Topic: Sold one of two houses. Pay off the other house?
- Replies: 18
- Views: 1772
Re: Sold one of two houses. Pay off the other house?
Pay off the loan...
The reason for this is that you are posting for your relative which probably means they don't know much about investing although I could be wrong. The safe bet is to pay of the loan.
All the best...
The reason for this is that you are posting for your relative which probably means they don't know much about investing although I could be wrong. The safe bet is to pay of the loan.
All the best...
- Mon Jun 03, 2019 7:50 pm
- Forum: Personal Investments
- Topic: What percent of your assets do you have in investment property (excluding your personal residence)?
- Replies: 73
- Views: 3942
Re: What percent of your assets do you have in investment property (excluding your personal residence)?
35-40%.
Direct ownership of real estate can provide high returns when done correctly, but it isn't for every one.
Direct ownership of real estate can provide high returns when done correctly, but it isn't for every one.
- Mon May 27, 2019 2:12 pm
- Forum: Personal Consumer Issues
- Topic: tankless water heater?
- Replies: 37
- Views: 4314
Re: tankless water heater?
Installed tankless in two on my homes - they work great! Mine are electric and they seem to reduce the electric bill so far. Make sure your electrical panel can handle them. Also you may want to install a water filter in line to help preserve the tankless heater if you have lots of sentiment or mine...
- Fri May 24, 2019 7:22 am
- Forum: Personal Finance (Not Investing)
- Topic: Is it worth refinancing?
- Replies: 16
- Views: 1662
Re: Is it worth refinancing?
I spent quite a bit of time checking into refinancing over the last year. Here is what I found out. For the borrower, the best solution is to add to your current payments to pay down your loan as quickly as possible. Virtually every scenario I ran showed this as the best solution for reducing debt. ...
- Thu May 23, 2019 8:34 am
- Forum: Personal Investments
- Topic: Vanguard Tax Exempt MM vs Intermediate vs HY vs Mortgage Payoff
- Replies: 16
- Views: 1305
Re: Vanguard Tax Exempt MM vs Intermediate vs HY vs Mortgage Payoff
Yes, that is one way to consider it. Like most things, there are various ways to consider the benefits and drawbacks. For mortgage payoff evaluation, I like to think concretely. "Would I borrow X (The payoff amount of your mortgage) at 2.75% today to invest in my MM account?" Make your adj...
- Thu May 23, 2019 4:32 am
- Forum: Personal Investments
- Topic: Want to add REITs to portfolio… but how much and which funds?
- Replies: 16
- Views: 3653
Re: Want to add REITs to portfolio… but how much and which funds?
Long time listener, first time caller. I would like to add REITs to our retirement portfolio and I would appreciate your advice on: - What % should I add in? - What should my new AA be? (currently I’m at 80/20 stock/bond — details below) - Which Vanguard REIT fund(s) do you recommend? The reason I'...
- Wed May 15, 2019 8:12 pm
- Forum: Investing - Theory, News & General
- Topic: Invest or Payoff Home
- Replies: 38
- Views: 3165
Re: Invest or Payoff Home
yep, pay off the mortgage or at least pay half of it. I just had a 5% mortgage I paid off and now I wonder why I waited so long. I pulled my money from my Intermediate Bond Index Fund which was yielding 2.89%.
- Tue May 14, 2019 10:07 am
- Forum: Personal Finance (Not Investing)
- Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
- Replies: 247
- Views: 8175
Re: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
for the first 40 years of life I had no credit card, then for the next 10 years I had one credit card.... only in the last five years have I had multiple cards and my credit was always fine. If you don't use credit, you don't need a credit card :). Some would consider the concerns associated with ha...
- Mon May 13, 2019 4:22 am
- Forum: Investing - Theory, News & General
- Topic: Reversion to the Mean Is Dead?
- Replies: 63
- Views: 7850
Re: Reversion to the Mean Is Dead?
John Bogle "Reversion to the mean is the iron rule of financial markets". Here are some articles to help understand why he thought this was an important concept for investing, even for those doing index investing. https://vanguard.com/bogle_site/lib/sp19980129.html https://vanguard.com/bog...
- Fri May 10, 2019 11:02 am
- Forum: Personal Finance (Not Investing)
- Topic: Vacant Lake Lot. Sell or Hold?
- Replies: 54
- Views: 3419
Re: Vacant Lake Lot. Sell or Hold?
another perspective from the sunk cost viewpoint - knowing what you know now, would you but that property for $85k in your current situation? If the answer is no, then sell. If the answer is yes, continue to hold.
- Fri May 10, 2019 7:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Rental Bidding War
- Replies: 20
- Views: 2931
Re: Rental Bidding War
As a landlord, make your application stand out. The best financial ways are to offer to pay in advance or demonstrate that you have long term security in a well paying job. A good non-financial way to make your application stand out - if you are involved in volunteer work for non-profits or serve on...
- Sun Apr 28, 2019 8:42 pm
- Forum: Personal Investments
- Topic: pay down mortgage vs. invest in taxable?
- Replies: 30
- Views: 3771
Re: pay down mortgage vs. invest in taxable?
Tomorrow I will pay off a remaining $73k mortgage. My interest rate is 5% and so the decision was easier. One way to think about the question of paying off a mortgage is to ask yourself if you would borrow money at x% to invest in the market. Home or investment property loans are also a different ty...
- Thu Jan 10, 2019 9:52 am
- Forum: Personal Finance (Not Investing)
- Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
- Replies: 117
- Views: 15510
Re: Under $100k Avg Annual Income Millionaires and How You Did It?
Not much to add, but my story is... Income mostly in the 60's-70's, three decades working in the non-profit sector, four kids, one wife :). No debt except mortgage - no school loans, no car loans Figure what you need first, then add what you want simplicity pays dividends Frugal - why buy name brand...
- Mon Jul 23, 2018 8:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Turned down for credit card
- Replies: 35
- Views: 3091
Re: Turned down for credit card
https://www.creditcards.com/no-credit/ Do a google search for 'credit cards for no credit history' or other similar searches. I recently moved to the States after living overseas for many years and faced a similar situation. shop around but you probably won't need to move you account if you are happ...
- Wed May 09, 2018 4:39 am
- Forum: Personal Finance (Not Investing)
- Topic: Best cash-back credit card right now?
- Replies: 184
- Views: 36800
Re: Best cash-back credit card right now?
for cards that offer 3% on groceries for spending up to $6000 and then 1% rebates after be aware that if you spend more than $12,000 annually for groceries, a flat 2% card will provide a better rebate so some families will benefit from the flat 2% rebate of Citi MC because of that fact. Simplicity h...
- Mon Apr 23, 2018 4:24 am
- Forum: Personal Finance (Not Investing)
- Topic: Mortgage payment frequency - Monthly vs. Weekly
- Replies: 15
- Views: 2924
Re: Mortgage payment frequency - Monthly vs. Weekly
I am not sure what other lending companies do, but when I make an electronic transfer of funds to my mortgage company, it is applied immediately to pay down the principle of the loan. Maybe this is because I am ahead on my monthly payments. In my situation, I can make an epayment of $10 or $1000 and...
- Sun Apr 15, 2018 4:17 pm
- Forum: Investing - Theory, News & General
- Topic: The World in 2050 — GDP & Stock Market Capitalization
- Replies: 75
- Views: 12157
Re: The World in 2050 — GDP & Stock Market Capitalization
USA GDP Real Growth (inflation adjusted) - DJIA 1930 $ 0.967 trillion - 244.2 1950 $ 2.184 trillion - 200.52 1970 $ 4.722 trillion - 800.20 1990 $ 8.955 trillion - 2810.15 2010 $14.784 trillion - 10428.05 2017 $17.096 trillion - 24719.22 The US market has tracked GDP but very irregularly. The DJIA h...
- Tue Apr 10, 2018 8:33 pm
- Forum: Personal Investments
- Topic: Is it a good time to invest in Vanguard Intermediate-Term Bond fund?
- Replies: 18
- Views: 4327
Re: Is it a good time to invest in Vanguard Intermediate-Term Bond fund?
There is no bad time to invest in this fund - And I think you mean the Intermediate Term Bond Index.
- Sat Apr 07, 2018 5:55 am
- Forum: Investing - Theory, News & General
- Topic: Corruption vs. Country Stock Returns, 1997-2016
- Replies: 17
- Views: 2229
Re: Corruption vs. Country Stock Returns, 1997-2016
This is what Transparency International measured to achieve their data and determine 'corruption'. "The CPI draws upon 13 data sources which capture the assessment of experts and business executives on a number of corrupt behaviours in the public sector, including: Bribery Diversion of publ...
- Thu Mar 22, 2018 9:02 am
- Forum: Personal Finance (Not Investing)
- Topic: Paying Points on Purchase Mortgage - Worth It?
- Replies: 28
- Views: 4654
Re: Paying Points on Purchase Mortgage - Worth It?
Often paying points for lower interest rates isn't worth it, especially if as a good boglehead, you decide to prepay your mortgage :). I just had this option earlier this month and decided to forego it. To benefit from the 69 months that you mention, you also assume (make a $8800 bet) that interest ...
- Tue Mar 20, 2018 8:59 pm
- Forum: Personal Investments
- Topic: Impending market correction
- Replies: 28
- Views: 2461
Re: Impending market correction
Corrections are a great opportunity to buy low...
- Sat Mar 03, 2018 10:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: how many mortgage application?
- Replies: 7
- Views: 968
Re: how many mortgage application?
if it's your first time, don't be intimidated. Shop for a mortgage like you shop for anything. Really there is no 'service' aspect of a mortgage so just find the best price and go with it. I called three or four and gave then basic info so I wouldn't need to fill out all the paper work just to get a...
- Sat Feb 24, 2018 3:32 pm
- Forum: Investing - Theory, News & General
- Topic: What books changed your outlook on how you should invest?
- Replies: 54
- Views: 5953
Re: What books changed your outlook on how you should invest?
Four Pillars of Investing
Coffee House Investor
John Bogle's various papers and articles
https://www.vanguard.com/bogle_site/bogle_lib.html
http://johncbogle.com/wordpress/academic-articles/
Coffee House Investor
John Bogle's various papers and articles
https://www.vanguard.com/bogle_site/bogle_lib.html
http://johncbogle.com/wordpress/academic-articles/
- Wed Feb 21, 2018 5:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: Rental income from overseas
- Replies: 3
- Views: 453
Re: Rental income from overseas
Taxes are country specific. You may need to claim the income in the country which it originates or you may have the option of deciding which country you claim it. Does the USA have a reciprocal tax agreement with the originating country? If the laws require you to file a tax return in that country, ...
- Tue Feb 13, 2018 5:49 am
- Forum: Personal Finance (Not Investing)
- Topic: Selling a rental property
- Replies: 15
- Views: 1510
Re: Selling a rental property
If you have a good closing attorney and get an accurate price, you're pretty well protected IMO. This is my experience. In the situation that you describe, there is little value that a realtor would add (which is mostly to connect buyers and sellers). It takes a bit more work on your end, but on a ...
- Wed Feb 07, 2018 11:27 am
- Forum: Personal Consumer Issues
- Topic: Jogging in the cold.
- Replies: 50
- Views: 4893
Re: Jogging in the cold.
I actually enjoyed the cold and jogged in weather that was down to -10 F. It just depends on layers and pace. I would rather go out in zero degree weather than 40 F and rain 

- Wed Jan 31, 2018 11:25 am
- Forum: Investing - Theory, News & General
- Topic: looking for positive experiences transferring to Vanguard
- Replies: 39
- Views: 3996
Re: looking for positive experiences transferring to Vanguard
i have done several transfers through the years and will initiate another in a few weeks - never had any issues.
- Sun Jan 28, 2018 3:57 pm
- Forum: Personal Investments
- Topic: Does anyone not rebalance?
- Replies: 66
- Views: 7556
Re: Does anyone not rebalance?
I rebalance with new money. Right now some of my categories are outside of the band but then nothing says you have to rebalance annually. While no one can predict the future, a 15-20% correction sometime this year would not surprise me. Also if you are concerned the market is too high, you can use i...
- Tue Jan 23, 2018 10:26 am
- Forum: Personal Finance (Not Investing)
- Topic: Thinking through Paying Down the Mortgage
- Replies: 58
- Views: 5761
Re: Thinking through Paying Down the Mortgage
The decision to pay down the mortgage can be viewed as diversification rather than comparing expected rates of return. When thought about this way, extra income could be used to pay down the mortgage to increase diversification. However a 2.75% mortgage is a great deal - at the end of the day the &q...
- Thu Jan 18, 2018 7:52 pm
- Forum: Investing - Theory, News & General
- Topic: Year
- Replies: 40
- Views: 7905
Re: Year 2000 retirees using the '8% rule' - Where are they now?
I recently showed my wife our portfolio and explained to her that if anything happens to me, she can withdrawal 4% per year and the money should last forever. Her response? "Well, that's a pretty good amount of money!" a piece of advice - Keep a simple portfolio and make sure your spouse u...
- Sat Jan 06, 2018 5:34 am
- Forum: Personal Investments
- Topic: This is clearest picture of why diversifying is priority!
- Replies: 29
- Views: 7117
Re: This is clearest picture of why diversifying is priority!
John Bogle talked about reversion to the mean (RTM) in some of his speeches. If you accept this theory for an asset class, then diversification makes sense and is something that can be utilized for greater returns. This works best for people who regularly invest and would work by allocating more new...