Search found 176 matches

by stupidkid
Tue Jun 09, 2020 7:57 am
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 85
Views: 4582

Re: Engagement Ring Help

While a diamond ring was not in line with my interests/values, after much discussion I realized it was important to my then SO (now DW). The ring would be on her hand for life, not mine. I got her involved in the setting/ring choice which was good because she changed her mind about what she wanted. ...
by stupidkid
Thu May 28, 2020 8:13 am
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8606

Re: Anyone screwed up timing the market?

I sold my existing international holdings but I wanted to chase alpha and thought I'd wait for a dip to buy back in. That dip hasn't happened and I'm still sitting here on the sidelines, mostly un-invested in international while it's gone up nearly 10%, wondering when I'll realize I should just buy...
by stupidkid
Wed May 27, 2020 3:01 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8606

Re: Anyone screwed up timing the market?

I was planning on a confessional post on this very topic. I've "messed" up a lot these past 2-3 months. I did my annual "big" buy at the end of February - funded a 529, HSA, and IRA. All at the market peak. Sad but I consider that probably the least dumb (investment) thing I did this year. I had the...
by stupidkid
Sun May 03, 2020 10:32 am
Forum: Personal Investments
Topic: Amount to keep in cash
Replies: 18
Views: 2524

Re: Amount to keep in cash

I just set cash aside for those kinds of expenses and do not count then as part of my AA. If I have the money lump sum I put them in a no penalty CD, otherwise I save up in high yield savings account. At a certain point your portfolio becomes large enough that the cash drag of having to set some ca...
by stupidkid
Sun May 03, 2020 9:14 am
Forum: Personal Investments
Topic: Amount to keep in cash
Replies: 18
Views: 2524

Re: Amount to keep in cash

I struggle with not keeping a large cash allocation as I have regularly high expenses which include quarterly taxes. Had I been fully invested going into the most recent crash - I would have had to sell down investments to pay my upcoming tax bills. This isn't an emergency fund issue - I have read a...
by stupidkid
Tue Mar 31, 2020 2:33 pm
Forum: Investing - Theory, News & General
Topic: Has Your Asset Allocation Strategy Changed?
Replies: 73
Views: 3789

Re: Has Your Asset Allocation Strategy Changed?

I've thought about changing asset allocation in response to the crisis but I haven't. However, I did have a chance to address some AA changes I've been considering for months but didn't want to execute because of capital gains considerations and I'm lazy. I started out the year with approximately an...
by stupidkid
Tue Feb 18, 2020 8:35 am
Forum: Personal Consumer Issues
Topic: Good Vacuum for Car
Replies: 30
Views: 2054

Re: Good Vacuum for Car

I have a wet/dry vac also which is great for deep cleaning. But I got a Dyson v7 car and boat and it's great. I got it refurbished from eBay at about $100, I use it every day, around the house and in the car. Battery is ok, 15-20 minutes, enough to clean up.
by stupidkid
Sat Feb 01, 2020 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: 529 funding strategy
Replies: 8
Views: 1002

Re: 529 funding strategy

To save on paperwork my accountant suggested I fund $30k one year and $30k the next, $15k from me and same from my spouse. Then I don't have to file anything extra. It also gives some dca piece of mind, whether that be mitigating market risk or changes to our financial situation. Had I been more on ...
by stupidkid
Fri Jan 17, 2020 9:01 am
Forum: Personal Investments
Topic: VWO
Replies: 6
Views: 974

Re: VWO

It's simpler just to hold VEA + VWO, and you can add more or less VWO according to how much EM weight you want. +1 VTI/VEA/VWO for me too. Yeah, at the time I wrote my ips I thought overweighting emerging might be a good idea, I thought the risk/return was worth it and I didn't worry too much about...
by stupidkid
Thu Jan 16, 2020 9:58 pm
Forum: Personal Investments
Topic: VWO
Replies: 6
Views: 974

Re: VWO

I hold VWO but like you, question if I should continue. My reason is less because of the holdings and more because of complexity. I hold 40% VTI, my international is 10/10/10 VEU/VSS/VWO. When initially designing my portfolio I read and agreed with the arguments for international holdings and the we...
by stupidkid
Wed Dec 11, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: Looking to replace original sliding patio door
Replies: 20
Views: 1420

Re: Looking to replace original sliding patio door

Recently had a large sliding door installed. We looked at la cantina (awesome but very pricey), Marvin, weathershield, and kolbe. Our installer recommended weathershield and was able to get it at a good price. Figure about $1000 a foot for the door. Door is nice enough, but definitely get the door p...
by stupidkid
Sun Sep 29, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Buying Stock/MFs as gift for niece
Replies: 5
Views: 302

Re: Buying Stock/MFs as gift for niece

At birth, I've bought $500 in a total stock fund for various babies as they've arrived. I use a separate fund from my investments (ivv vs vti) but it's just in my taxable account. My plan is when each kid turns 18 I'll write them a check for however much it's grown. No complicated share transfers. N...
by stupidkid
Wed Jun 05, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Do we need a realtor? First time home buyer, buying from landlord
Replies: 26
Views: 2526

Re: Do we need a realtor? First time home buyer, buying from landlord

Bought my house from my landlord, didn't use a realtor. Just used a lawyer, couple hundred bucks. Negotiated a reasonable price with the landlord and we signed the contract my lawyer drafted. Easy and we were both happy. And you handled finding an inspector and judging how much repairs would cost y...
by stupidkid
Tue Jun 04, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Do we need a realtor? First time home buyer, buying from landlord
Replies: 26
Views: 2526

Re: Do we need a realtor? First time home buyer, buying from landlord

Bought my house from my landlord, didn't use a realtor. Just used a lawyer, couple hundred bucks. Negotiated a reasonable price with the landlord and we signed the contract my lawyer drafted. Easy and we were both happy.
by stupidkid
Fri May 10, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 131
Views: 25214

Re: Do you rent even if you can afford to buy?

I bought the house I was renting 11 years ago. Some thoughts: I bought at the "bottom" in 2008 and I was able to take advantage of the first time home buyer credit, which was a perk. I had roommates who became renters, that worked out ok for a few years as they contributed to the mortgage. That was ...
by stupidkid
Wed Apr 10, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Bose QC25 or QC35
Replies: 19
Views: 1202

Re: Bose QC25 or QC35

I have the qc20 and qc25. The qc20 are more lightweight but I use the 25s more often as I find the noise cancelling superior. If you're worried about hooking up to the planes entertainment I see no reason to get the 35s, you pay more just for the wireless and rechargeable. Aaa batteries are cheap an...
by stupidkid
Sun Mar 24, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Buy or lease new car
Replies: 24
Views: 2736

Re: Buy or lease new car

Others have and will make the case for buying, strictly in cost buying definitely wins. I'm in the buying camp, usually I buy a 2-3 year old off lease vehicle and keep it for 5+ years. However, I think leasing can make sense. My BIL called me for car advice, he really wanted a BMW 3 series. He wante...
by stupidkid
Wed Mar 13, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Angies List v. Homeadvisor v. ???
Replies: 23
Views: 2351

Re: Angies List v. Homeadvisor v. ???

I've had success with Angie's when cross referencing other sources. Of late been checking out nextdoor for neighborhood referrals.
by stupidkid
Mon Mar 04, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Savings or 0% APR Credit Card for wedidng expenses
Replies: 6
Views: 545

Re: Savings or 0% APR Credit Card for wedidng expenses

0% is better than outright paying, but also consider signing up for a credit card with a bonus. You could easily get two bonuses with that spend, enough for a couple flights. If you have the cash to pay off the cards no reason not to. I had more significant wedding spend, the credit card bonuses sof...
by stupidkid
Sun Feb 10, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: Why choose intermediate term treasury at this time?
Replies: 57
Views: 6551

Re: Why choose intermediate term treasury at this time?

I have an intermediate treasury fund available in my 401k, fuamx. It's low cost and meets my requirement for the bond portion of my portfolio, it's low risk. I don't worry about a few bps on that side of the portfolio because I expect income preservation from the bonds, I take risk and seek return o...
by stupidkid
Thu Feb 07, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Setting up home office for first time
Replies: 14
Views: 1288

Re: Setting up home office for first time

I've worked from home/remote for over ten years. I spend all day staring at spreadsheets of data, emails, and teleconferences. I have a fancy stand up desk with a treadmill. I rarely raise the desk or use the treadmill. I got a nice chair, worth the money. It's not a big executive chair, but it's er...
by stupidkid
Tue Jan 15, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 136
Views: 9089

Re: Engagement Ring (Affordable)

My wife likes nice things/jewelry but rarely wears any accessories unless we're going out. She wanted a nice ring. I was very resistant to diamonds or anything flashy until I realized it wasn't for me, it was for her. After that realization, we went shopping and she looked at lots of rings. I spent ...
by stupidkid
Thu Nov 22, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 4143

Re: Men's crew neck t-shirts

I wear Merino wool undershirts under my dress shirts. I buy light gray as it blends well under various dress shirt colors. It's much better than cotton. More expensive but I travel for work and I can wear them on the plane, in different climates, and honestly one shirt can get me through a week and...
by stupidkid
Thu Nov 22, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: 1 Week vacation in February 2019, to get away from the Midwest Winter
Replies: 45
Views: 4337

Re: 1 Week vacation in February 2019, to get away from the Midwest Winter

Currently in Costa Rica, guanacaste region. It's great. Incredibly friendly people and very safe. Just tried surfing today!
by stupidkid
Sun Nov 18, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 4143

Re: Men's crew neck t-shirts

I wear Merino wool undershirts under my dress shirts. I buy light gray as it blends well under various dress shirt colors. It's much better than cotton. More expensive but I travel for work and I can wear them on the plane, in different climates, and honestly one shirt can get me through a week and ...
by stupidkid
Mon Oct 29, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 7383

Re: 401k down 8% this month

5% for me and that's with a 50/50 allocation in my 401k (more stocks in taxable, more of a drop) but I'm only down 1.5% for the year and will keep buying every two weeks for the rest of this year and many more, so it's just a data point...
by stupidkid
Sun Oct 28, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 4293

Re: When to get a new toilet?

I recently replaced a toilet of unknown age which definitely had older internals. My city had a water saving initiative which got me a low water silent toilet for $75, I installed it, pretty easy. If I hadn't gotten it from the city it would have been about $200, so $265 installed wouldn't be bad fo...
by stupidkid
Fri Oct 26, 2018 1:20 pm
Forum: Personal Investments
Topic: TLH recent lots < 30 days after purchase
Replies: 14
Views: 884

Re: TLH recent lots < 30 days after purchase

You can’t have any shares left over, so if some were a gain and others a loss it prevents you from selling the losers and not getting penalized. Also prevents you from buying in your Roth, then harvesting the same index in taxable a few days/weeks later. Make sense? So you have to sell <all> the sh...
by stupidkid
Fri Oct 26, 2018 12:35 pm
Forum: Personal Investments
Topic: TLH recent lots < 30 days after purchase
Replies: 14
Views: 884

Re: TLH recent lots < 30 days after purchase

Nope. "Nope" as in I <can> sell these recently purchased shares? I purchased shares on 10/05/2018 and 10/15/2018 in a few funds which have since declined further. I can sell those lots to TLH and buy a partner fund and that won't be a wash sale? Correct, as long as you sell all shares bought in the...
by stupidkid
Fri Oct 26, 2018 11:19 am
Forum: Personal Investments
Topic: TLH recent lots < 30 days after purchase
Replies: 14
Views: 884

Re: TLH recent lots < 30 days after purchase

MotoTrojan wrote:
Fri Oct 26, 2018 9:22 am
Nope.
"Nope" as in I <can> sell these recently purchased shares?

I purchased shares on 10/05/2018 and 10/15/2018 in a few funds which have since declined further. I can sell those lots to TLH and buy a partner fund and that won't be a wash sale?
by stupidkid
Fri Oct 26, 2018 9:08 am
Forum: Personal Investments
Topic: TLH recent lots < 30 days after purchase
Replies: 14
Views: 884

Re: TLH recent lots < 30 days after purchase

This is a timely thread, I had the same question as I did not understand the "30 days before" part of a wash sale. I also recently purchased shares which now have a loss - purchased after performing a TLH transaction. If I understand the replies here - I must hold onto the recently purchased shares ...
by stupidkid
Wed Oct 24, 2018 12:40 pm
Forum: Personal Investments
Topic: TLH VWO and Roll to Total International or add on
Replies: 1
Views: 283

Re: TLH VWO and Roll to Total International or add on

I recently went through similar. I tlh'd on my three international positions: veu, vss, and vwo. I bought spdw as my tlh partner, and just sold spdw to rebalance back into my international funds. I debated eliminating my vwo holdings but for fear of not staying the course, and recognizing that I lik...
by stupidkid
Sun Oct 14, 2018 9:13 am
Forum: Personal Investments
Topic: 1% Balance Transfer - Uber Barclays Visa
Replies: 16
Views: 994

Re: 1% Balance Transfer - Uber Barclays Visa

I've done this a lot, notes of caution. If you use the card for balance transfer checks, don't use it for purchases. Your minimum monthly payment will go against the 0% balance but your purchases may still incur interest charges. Make sure to read the terms carefully. I've done balance transfers bac...
by stupidkid
Sun Oct 14, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3481

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

I have a few cars and will generally drive whichever is most appropriate for the road trip. But, this past summer we flew from Denver to Bozeman Montana and rented a car to do a road trip from Montana back to Colorado. We rented a premium model Toyota Camry. Note, I have status with all the rental c...
by stupidkid
Thu Oct 11, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 8833

Re: Larry Swedroe: Why Emerging Markets Matter

Question I've been pondering relevant to this thread - I've held a ~30% allocation to International for about 10 years (started following bogleheads about 10 years ago). My international portfolio allocation has been: 10% - VEU, All-World ex-US ETF 10% - VWO, Emerging Markets 10% - VSS, All-Wld ex-U...
by stupidkid
Thu Sep 20, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Landscaping costs?
Replies: 15
Views: 2497

Re: Landscaping costs?

This is both a very helpful and depressing discussion. We recently hired a landscape architect to prepare plans for our very small yard, about .1 acre total plat, maybe 1000 sq ft front, same in back, and 600 sq ft side. I have attempted xeriscape design but dw would like more intentional than my ha...
by stupidkid
Fri Sep 07, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 77
Views: 9736

Re: Bose Noise Cancelling Headphones

I bought the qc20 two years ago, they're great, never fly without them. The qc25s were on sale during prime day for $125 or so I picked up a pair as I was curious about the difference of over vs in ear. Recently took a flight and used the qc25s, I liked them. I didn't try them both during the same f...
by stupidkid
Wed Aug 15, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 11655

Re: Take auto loan 0.9% if I can afford cash?

I took a loan at 1.9%. I pay it through a credit card that nets me 1%. Math worked out well. At sub 1% the only reason not to is an aversion to debt, which is a thing
by stupidkid
Mon Aug 13, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 152
Views: 23038

Re: International stocks in free fall

I was thinking about tlh today!
by stupidkid
Mon Jun 11, 2018 8:51 am
Forum: Personal Investments
Topic: Personal Advice for Retirement by 35?
Replies: 11
Views: 1950

Re: Personal Advice for Retirement by 35?

My perspective: when I was 28 I thought I would retire around 35. I had a relatively lcol, roommates, no wife and no plans in that regard, and a great savings rate. I'm now 36. Since then, major financial events happened My house caught on fire which was expensive, I met a girl, my roommates moved o...
by stupidkid
Wed May 09, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is the Priceline 2% Visa now a 3.3% card?
Replies: 1
Views: 1066

Re: Is the Priceline 2% Visa now a 3.3% card?

Been that way for some time, there's a bonus for redeeming against Priceline purchases vs others. It's a very good card.
by stupidkid
Tue May 08, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 3462

Re: Rental Cars:National, Budget, Alamo or Thrifty

I think national emerald club is typically the way to go, great service and usually quality cars which are nicer than Hertz. But it all depends on price
by stupidkid
Fri May 04, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Colorado Auto Insurance Rates 3rd Highest in Nation
Replies: 12
Views: 1441

Re: Colorado Auto Insurance Rates 3rd Highest in Nation

I used a great broker out of Denver, I don't think you can get SafeCo directly. I was shocked by the rate difference. Plus they have a good driver discount based on plugging a monitor into your car for 90 days. If you opt in, the <least> you can get is a 5% discount, but up to 30%. We did not get 3...
by stupidkid
Fri May 04, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Colorado Auto Insurance Rates 3rd Highest in Nation
Replies: 12
Views: 1441

Re: Colorado Auto Insurance Rates 3rd Highest in Nation

I used a great broker out of Denver, I don't think you can get SafeCo directly. I was shocked by the rate difference. Plus they have a good driver discount based on plugging a monitor into your car for 90 days. If you opt in, the <least> you can get is a 5% discount, but up to 30%. We did not get 30...
by stupidkid
Fri May 04, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Colorado Auto Insurance Rates 3rd Highest in Nation
Replies: 12
Views: 1441

Re: Colorado Auto Insurance Rates 3rd Highest in Nation

I just switched to Safeco and had my auto reduced 50% and my home by 30%, both seem like reasonable amounts especially in comparison to what I paid at Allstate. $2k per year for three cars.
by stupidkid
Sun Mar 11, 2018 10:54 am
Forum: Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 7597

Re: 25YR old with considerable amount of cash

At your age I had a friend with very similar circumstances. His mother passed away and he inherited about the same amount. He bought a 1936 48 foot wooden sailboat with a plan to sail to Spain and start a commune. He made it as far as Bermuda, where he got a girl pregnant. His money was mostly gone ...
by stupidkid
Wed Feb 21, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 29
Views: 4724

Re: $20,000 question - Galapagos or Serengeti safari ?

I've never been to the Galapagos but I did go on Safari in Tanzania ten years ago. The trip was great, we went for a week, stayed in tents and hotels, and drove from park to park. Overall, very positive but it was a lot of time in the Jeep, a lot. Much of it over endless bumpy roads. By the fifth da...
by stupidkid
Sun Feb 11, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: officiate a marriage
Replies: 14
Views: 1503

Re: officiate a marriage

As others have said, depends on the state. I officiated my friends in Oregon, got ordained though the ulc but I don't think that was even necessary, it was just fun to do. Great experience, I really enjoyed it and tried to make it as personal for them as possible. I read a poem I thought they'd both...
by stupidkid
Fri Jan 26, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: switch Car insurance?
Replies: 12
Views: 1901

Re: switch Car insurance?

I finally switched from Allstate after watching my premiums climb significantly year after year. I contacted a well reviewed broker in my state and he got me a quote from Safeco for less than half what I was paying with higher coverage. I read the reviews on Safeco, not great service, but I don't ma...
by stupidkid
Sun Jan 14, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Favorite Deal Aggregation site?
Replies: 10
Views: 1513

Re: Favorite Deal Aggregation site?

Dansdeals and hip2save can be good as well. Deals.kinja are definitely promoted but it's an easy way to glance at potentially good sales. Thewirecutter deals page is also good for products recommended by them.