Search found 278 matches

by MortgageOnBlack
Tue Nov 26, 2019 10:35 pm
Forum: Personal Investments
Topic: Ready to take the plunge into taxable...
Replies: 11
Views: 1346

Re: Ready to take the plunge into taxable...

Thanks for the feedback. I'm thinking I need to invest the $3000 and not look back, but it's pretty hard for me :oops: . Perhaps being able to TLH should give me some comfort and peace of mind in the event of a market swing.... I will commit to this plan; I'm starting to think going the ETF/small in...
by MortgageOnBlack
Tue Nov 26, 2019 10:02 pm
Forum: Personal Investments
Topic: Ready to take the plunge into taxable...
Replies: 11
Views: 1346

Ready to take the plunge into taxable...

I finally hit my emergency fund number in Savings/IBonds that I'm comfortable with ($50k). Since I've been maxing out my roth for the past 4 years, I believe I'm ready to finally start consistently contributing a set amount of money into taxable through my Vanguard brokerage account. Unfortunately, ...
by MortgageOnBlack
Wed Nov 20, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 229
Views: 15357

Re: Toughest Purchase of my Life. Engagement Ring time

Being that it has been over a year since I originally purchased the ring, the blow I originally felt has softened substantially. We set a date for next summer 2020. This has given us 2 years to save money for a very reasonable wedding. She absolutely loves her ring and I catch her looking at it all ...
by MortgageOnBlack
Wed Sep 18, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Unlocked, Refurbished iPhones?
Replies: 16
Views: 1132

Re: Unlocked, Refurbished iPhones?

iPhone 8 64GB refurb straight from Apple for $379.00. None currently available, but just check in periodically till they are: https://www.apple.com/shop/product/FQ6K2LL/A/Refurbished-iPhone-8-64GB-Space-Gray Apple refurbs are as good as new and have a 1 year warranty. Alternately, pick up one used ...
by MortgageOnBlack
Fri Sep 13, 2019 11:15 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9852

Re: How old is your cellphone?

I appreciate all of the input and I have reached my decision... Since the Apple Keynote, I have been torn the past few days. The reality is that security updates will be ending shortly on my iPhone 6. I've calculated cost of ownership (new vs old) on various models of still supported iPhones and it ...
by MortgageOnBlack
Fri Sep 13, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 6630

Re: Whistleblowing / Going Rogue at Work

Plot Twist: President is a Boglehead and searches your previous posts for additional clues to help identify you In all seriousness, I did go over my manager's head (I was 17, still a kid) and the result of the meeting was the exact same as when Dwight Schrute went over Michael Scott's head to Jan. I...
by MortgageOnBlack
Wed Sep 11, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9852

Re: How old is your cellphone?

Currently running an iPhone 6 (purchased December 2014) With software support ending on it shortly , I’m starting to get the itch to pull the trigger on a new device, but I would hate to do so because my device is still working. Do other bogleheads push their devices past their software support? An...
by MortgageOnBlack
Wed Sep 11, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9852

Re: How old is your cellphone?

I ran some quick calculations and it appears that, based on various Apple iPhone model cost and anticipated support life, Apple is trying to suck ~$150 cost of device per year minimum from users who keep their devices to end of support. iPhone 11 appears to fair slightly better cost of ownership, as...
by MortgageOnBlack
Wed Sep 11, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9852

How old is your cellphone?

Currently running an iPhone 6 (purchased December 2014) With software support ending on it shortly, I’m starting to get the itch to pull the trigger on a new device, but I would hate to do so because my device is still working. Do other bogleheads push their devices past their software support? Any ...
by MortgageOnBlack
Tue Sep 10, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9987

Re: IPhone 6 - showing some age

This December, it will be 5 years for me with the same iPhone 6. It still works great for my needs and I don’t have any plans to upgrade to the iPhone 11 that is due out in a couple weeks. Unfortunately, per Apple, my iPhone 6 will no longer receive future software updates which provide more feature...
by MortgageOnBlack
Tue Sep 03, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 7028

Re: Purchasing a truck - thoughts?

I mean. If you plan to actually use your truck for truck stuff. Ie hauling garbage to dump, driving in mountains to do manly things, etc etc I would suggest getting an older and slightly used truck. I have an 04 ram 1500 4 door ( large enough for car seats). I use mine as mentioned and I don't feel...
by MortgageOnBlack
Wed Aug 28, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Started mulch project and now have huge piles of excess dirt!
Replies: 25
Views: 2334

Re: Started mulch project and now have huge piles of excess dirt!

I've had 3 different groups of people stop by and make a huge dent in my dirt pile without issue. To be honest, I'm a little surprised how fast I got rid of a lot of it after seeing so many "Free Dirt/Soil" adds on Craigslist.

Now to the Tree stumps...
by MortgageOnBlack
Mon Aug 26, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Started mulch project and now have huge piles of excess dirt!
Replies: 25
Views: 2334

Re: Started mulch project and now have huge piles of excess dirt!

I'm also digging lower than 2-3" and filling it up with mulch. Where is the mulch coming from? Please don't tell me you're replacing dirt and grass with purchased mulch. Don't you realize the dirt and grass you are getting rid of is compost-in-the making if you just turn it over and let it fall apa...
by MortgageOnBlack
Mon Aug 26, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Started mulch project and now have huge piles of excess dirt!
Replies: 25
Views: 2334

Re: Started mulch project and now have huge piles of excess dirt!

Thanks everyone. This morning I woke up sunburned, sore, and defeated. (going to start caking on sunscreen going forward) I posted the ad online and hopefully people will stop by for it. What's even more frustrating is have a lot more sections to dig up for mulch so I know I will be generating a lot...
by MortgageOnBlack
Sun Aug 25, 2019 11:49 pm
Forum: Personal Consumer Issues
Topic: Started mulch project and now have huge piles of excess dirt!
Replies: 25
Views: 2334

Started mulch project and now have huge piles of excess dirt!

If anyone follows my threads, you know I’m a rookie home owner trying my best on DIY home improvement. Well this weekend I finally started ripping out sections of my front yard to lay weed block fabric and mulch. The project surprisingly created a large amount of dirt (almost 3 full tarps of it). I ...
by MortgageOnBlack
Fri Aug 23, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147292

Re: U.S. stocks in free fall

^^^ 3 posts up. Roth is not an acronym. See the wiki: Roth IRA Named after US Senator William Roth, Roth IRAs were established by the Taxpayer Relief Act of 1997. Buy order submitted. Not a RBD since it's Friday, but I'm buying still. I'm going to wait. I'll do both (buy and sell) when I rebalance ...
by MortgageOnBlack
Fri Aug 23, 2019 2:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147292

Re: U.S. stocks in free fall

Rookie Question: My ROTH contribution is coming out next week, but I figure, why not?. If i pull the trigger by 4:00pm EST, will the transfer from my bank happen at today's prices or Monday's prices? This has always confused me; perhaps I've contributed after 4:00pm EST every time.
by MortgageOnBlack
Thu Aug 22, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Federal job benefits
Replies: 36
Views: 2282

Re: Federal job benefits

I am interested in this as well. I'm 35 years old, 14.5 solid-years of experience in IT (IT Service Provider (Field Engineer), In-House IT (Network Administrator), Managed Service Provider (Systems Engineer), w/ an Associates Degree in Computer Network Engineering (from For-Profit College that is no...
by MortgageOnBlack
Thu Aug 22, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 20239

Re: Do you buy new or used cars?

this thread got me curious... ran a quote with my auto insurer and if I replaced my 1991 Civic with a 2018 Corolla (with $2,000 deductible collision and comprehensive insurance) my premium would go up $41 a month. something to think about
by MortgageOnBlack
Thu Aug 22, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 20239

Re: Do you buy new or used cars?

call me crazy, but I'm still driving a 91 Honda Civic w/ no AC. I'm not sure what my next car will be after this one. Perhaps anything that doesn't require Full-Coverage insurance.
by MortgageOnBlack
Mon Aug 19, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Close on first home on Wednesday, might not take possession until 30 days... advice please
Replies: 48
Views: 3876

Re: Close on first home on Wednesday, might not take possession until 30 days... advice please

Although my buying situation didn't have this issue come up, I can relate to the OP in his worries. Over-thinking, Over-analyzing, and Buyer's Remorse were all traits I suffered through while under contract and closing. I obsessed about everything that could go wrong with the transaction and after i...
by MortgageOnBlack
Sat Aug 17, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Best price/timing to buy 2019 Toyota Corolla Hatchback?
Replies: 18
Views: 2009

Re: Best price/timing to buy 2019 Toyota Corolla Hatchback?

what's the target goal off of MSRP? Fortunatley, you also have a re-design that might help your case even more.
by MortgageOnBlack
Tue Aug 13, 2019 11:49 pm
Forum: Personal Consumer Issues
Topic: Skunks keep coming in our yard!
Replies: 44
Views: 3314

Skunks keep coming in our yard!

My dog has been sprayed 2x in the past 2 years and tonight I came home to another one in our backyard (have seen quite a few this year!). If I hadn't had my dog on a harness, he would have definitely gotten a good spray tonight! I watched the skunk leave and was amazed at how small of a hole he was ...
by MortgageOnBlack
Fri Aug 09, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Is it time to let this phone go?
Replies: 12
Views: 1942

Re: Is it time to let this phone go?

1)make sure everything is completely backed up 2)download the latest iOS (although the latest iOS is no longer support for the 5s, you should be able to download the latest iOS that is available for it) 3)reset the phone to defaults. From here, this will completely rule out software as a possible ca...
by MortgageOnBlack
Fri Aug 09, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Securing a smartphone for a child
Replies: 16
Views: 832

Re: Securing a smartphone for a child

What methods do you use to secure a phone for a child? Mine use an old fashioned flip phone and those problems are avoided. I've never seen the need for a smart phone for my kids. The school provides them with Chromebooks and they have other devices at home that can surf the internet so I haven't s...
by MortgageOnBlack
Fri Aug 09, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: "Unlimited" mobile phone data. Don't need it. But I may need up to 10G a month. Dunno... options with Mint?
Replies: 13
Views: 1192

Re: "Unlimited" mobile phone data. Don't need it. But I may need up to 10G a month. Dunno... options with Mint?

Learn to optimize your data usage a bit and you should be fine with an 8GB plan. I signed up for mint's 8GB plan back a few months and decided it was a good opportunity to reset my phone (iphone 6) to default settings and re-download my apps. I assumed I was connected to Wifi, but I had mistakenly d...
by MortgageOnBlack
Thu Aug 08, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Securing a smartphone for a child
Replies: 16
Views: 832

Re: Securing a smartphone for a child

Is this information for your kids or your brother-in-laws kids? If for "other peoples" kids, then drop it like it's hot.... If for your kids, then do what you do. Kids at some age have to learn how to navigate life with a cell phone with data. Any computer with the internet on it is a "dangerous de...
by MortgageOnBlack
Thu Aug 08, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Securing a smartphone for a child
Replies: 16
Views: 832

Re: Securing a smartphone for a child

Here's a great link from Apple discussing all the things you can do with Screen time. I actually didn't realize it was so elaborate and well managed. https://support.apple.com/en-us/HT201304 Edit: Apple is definitely better with general kid protection. They are also much harsher and have a higher s...
by MortgageOnBlack
Thu Aug 08, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Securing a smartphone for a child
Replies: 16
Views: 832

Re: Securing a smartphone for a child

Here's a great link from Apple discussing all the things you can do with Screen time. I actually didn't realize it was so elaborate and well managed. https://support.apple.com/en-us/HT201304 Edit: Apple is definitely better with general kid protection. They are also much harsher and have a higher s...
by MortgageOnBlack
Thu Aug 08, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Securing a smartphone for a child
Replies: 16
Views: 832

Re: Securing a smartphone for a child

Look up Google Family Link for Android phones. Great suggestion. This appears to do what I'm looking for. The biggest issue I face is the justification from some teen "role models" in the family who use some of the popular apps: "snapchat". I realize, they are my nieces and they aren't my children,...
by MortgageOnBlack
Thu Aug 08, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Securing a smartphone for a child
Replies: 16
Views: 832

Re: Securing a smartphone for a child

Great tip. There is a "Share My Location" feature on the iPhone. I think that is good to have for parents.
by MortgageOnBlack
Thu Aug 08, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Securing a smartphone for a child
Replies: 16
Views: 832

Securing a smartphone for a child

What methods do you use to secure a phone for a child? My brother-in-law is a little lax with both of my nieces' (8 and 10 years old) cellphone and I'm hoping to secure them a bit. Both of them have Android, but might be open to iPhone if there is increased security. After seeing a very adult sugges...
by MortgageOnBlack
Wed Aug 07, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: wifi router, too many options!
Replies: 41
Views: 3071

Re: wifi router, too many options!

Also work in IT. Running business-class devices at the house: SonicWall Soho firewall, Aruba access point. If it works for a business, it will work in the house
by MortgageOnBlack
Tue Aug 06, 2019 3:14 pm
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8718

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

Anyone else remember getting 4 and 5 percent in a money market account at the local credit union? Otherwise, Redneck Megamoney is 2.4% up to $50k and if you feel like doing the hoop jumping with debit card charges, their checking account is 3%. Wow, there is a squirrel with a lawnmower mowing cash ...
by MortgageOnBlack
Tue Aug 06, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Oh geeze. How should I pay for this? Walk me off the ledge
Replies: 52
Views: 6587

Re: Oh geeze. How should I pay for this? Walk me off the ledge

KingRiggs wrote:
Tue Aug 06, 2019 3:00 pm
Welcome to parenthood... :shock:
as we plan for our first in a couple years, this terrifies me... :shock:
by MortgageOnBlack
Tue Aug 06, 2019 2:55 pm
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8718

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

I plan on staying with Ally Bank (member since early 2012). The only gripe I've had with them is closing my checking accounts due to Square Cash activity (claimed I was using it for business use). This was easily circumvented by setting up a Simple account as a middleman bank. Hopping ship for a ver...
by MortgageOnBlack
Tue Aug 06, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Where to find rates for no-cost refi?
Replies: 57
Views: 4561

Re: Where to find rates for no-cost refi?

This is a timely thread for me. My wife and I purchased a new home last year. We watched the rates climb from 3.75% when we signed the contract to build to 4.25% when the house was completed and we closed. Both of our credit scores are 800+. I'm curious as to how long I should wait until I pursue a...
by MortgageOnBlack
Tue Aug 06, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: ways to stay a little cleaner during diy car maintenance
Replies: 39
Views: 2639

Re: ways to stay a little cleaner during diy car maintenance

Using large cardboard boxes that come with our dog's food (Amazon) and wearing rubber gloves has done wonders for keeping the work clean. I also have a dedicated "mechanic outfit", oil drain pan, funnel for draining from the oil pan into the old oil container for recycling, clean and organized tools...
by MortgageOnBlack
Tue Aug 06, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Where to find rates for no-cost refi?
Replies: 57
Views: 4561

Re: Where to find rates for no-cost refi?

Hmm... so apparently my state has a rebate/credit for refinancing, so closing costs would only be ~$3k. This would make 3.625% a no-cost refinance at today's rates, and 3.5% close to it. Looks like break-even cost for 3.5% would be 17 months. Go for it? How did you find out about the rebate/credit ...
by MortgageOnBlack
Tue Aug 06, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Where to find rates for no-cost refi?
Replies: 57
Views: 4561

Re: Where to find rates for no-cost refi?

Hmm... so apparently my state has a rebate/credit for refinancing, so closing costs would only be ~$3k. This would make 3.625% a no-cost refinance at today's rates, and 3.5% close to it. Looks like break-even cost for 3.5% would be 17 months. Go for it? How did you find out about the rebate/credit ...
by MortgageOnBlack
Tue Aug 06, 2019 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 8033

Re: Financial anxiety and next steps in relationship

For me, a potential partner’s current income/income potential was never that important to me. I value character (genuine good person with a good heart), job stability (is she willing to consistently work?), spending habits (high maintenance? expensive taste or a saver) Although 250k student loan deb...
by MortgageOnBlack
Mon Aug 05, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Where to find rates for no-cost refi?
Replies: 57
Views: 4561

Re: Where to find rates for no-cost refi?

I was on a similar boat when I closed on my first house. I felt my lender might have pulled the bait and switch with my rate (went to 3.99%). I decided not to sabotage the deal and planned on refinancing after we closed on the house. We only put down 5% downpayment and was I was able to refinance 8 ...
by MortgageOnBlack
Mon Aug 05, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Putting my wallet on a diet
Replies: 17
Views: 1928

Re: Putting my wallet on a diet

Even though I don't do this, I am becoming a fan of the idea behind a cellphone case wallet. Right now, I have a separate wallet (minimalist leather card holder style) I carry along with my phone. My minimal approach is as follows: 1) Driver's License/ID 2) Debit Card (can be used to pull out cash a...
by MortgageOnBlack
Mon Aug 05, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 9201

Re: Extreme Anxiety with Time/Money

Thank you everyone for all the opinions. This thread has been very valuable for me.

I will work on calming down a bit. Also, I need to start exercising and eating healthier; I am optimistic that this will help me out quite a bit.
by MortgageOnBlack
Fri Aug 02, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 9201

Re: Extreme Anxiety with Time/Money

Take things one at a time. Prioritize and lower your standards a bit. Some things are urgent, others can wait. We have a house, yard, sprinkler, 3 kids, 4 cars to maintain. It doesn't end. You just get better at it and take things in stride. With a home, something is always not the way you want it....
by MortgageOnBlack
Fri Aug 02, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 9201

Re: Extreme Anxiety with Time/Money

I love to work on sprinkler systems! I have fixed two of my neighbors sprinklers for them. I compare it to screwing in a light bulb because it is just about that difficult. But one neighbor called a plumber who charged them $200 to turn off their sprinkler system and said, "We don't fix sprinkler s...
by MortgageOnBlack
Fri Aug 02, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 9201

Re: Extreme Anxiety with Time/Money

I think if you're an anxious type of person, outsourcing can mean that you just worry about another layer of things. It's possible you're talking about a kind of anxiety you'd benefit from talking to a doctor about, but maybe we can get at it from the money side here. What do your annual expenses a...
by MortgageOnBlack
Fri Aug 02, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 9201

Extreme Anxiety with Time/Money

Rant for the day: I feel like I'm a few notches away from a huge meltdown. If it's not one thing, it's another. Perhaps it's an accumulation of all things and operating at a level 10 at all times, but I need to make a change and looking for advice. I have extreme anxiety when it comes to my time and...
by MortgageOnBlack
Wed Jul 31, 2019 8:38 pm
Forum: Personal Investments
Topic: 29, just starting out, help appreciated!
Replies: 6
Views: 513

Re: 29, just starting out, help appreciated!

I was in a similar boat with around $8k in Student Loan debt remaining when I was 28 (7 long years ago). Paid them all off when I had around $20k in savings and never looked back. It's a good first step to simplifying and moving on. I hung on to my student loan debt for the longest time because I wa...
by MortgageOnBlack
Wed Jul 31, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: What are the effects of the recent Feds Rate Cut?
Replies: 28
Views: 4050

What are the effects of the recent Feds Rate Cut?

I’m guessing online savings accounts (Ally) rates will come down. Time for I Bonds? Also what will happen with mortgage rates? I’m currently refi’ed down to 3.75% on a 30 year (refi’ed 08/2017). Any opportunities?

Not sure if I’m missing some dark big picture news with the rate cut.