Search found 101 matches

by abs9986
Thu Jul 23, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing 15 year fixed mortgage at 2.25%/2.375@
Replies: 8
Views: 1348

Re: Refinancing 15 year fixed mortgage at 2.25%/2.375@

Where are you guys getting all these great rates from? When I plugged my numbers into lenderfi, it's showing a cost of around $2,000 to get a rate of 2.75% for a 15-year loan. Currently we have 3.25% and 14 years left from aim loan. Credit score is 800+. Do they only offer better rates if you owe mo...
by abs9986
Wed Jul 01, 2020 7:48 am
Forum: Investing - Theory, News & General
Topic: Should I rebalance?
Replies: 5
Views: 390

Should I rebalance?

I typically rebalance my portfolio twice a year on January and July 1st. Given how volatile the market is right now should I put off my rebalancing until next January?
by abs9986
Sun Mar 22, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Need a new car, please help given COVID-19
Replies: 44
Views: 3098

Re: Need a new car, please help given COVID-19

Due to some health concerns and weather concerns a bike is not an option. based on some initial research we are leaning toward a slightly used Honda Civic, Toyota Corolla, Hyundai Elantra, or Hyundai accent. What are your guys thoughts on these models? My wife is not too picky about her car choices ...
by abs9986
Sun Mar 22, 2020 8:18 am
Forum: Personal Consumer Issues
Topic: Need a new car, please help given COVID-19
Replies: 44
Views: 3098

Re: Need a new car, please help given COVID-19

My wife is in healthcare so she has to go to work right now. Biking isn't an option.
by abs9986
Sat Mar 21, 2020 6:54 pm
Forum: Personal Consumer Issues
Topic: Need a new car, please help given COVID-19
Replies: 44
Views: 3098

Re: Need a new car, please help given COVID-19

Any other thoughts?
by abs9986
Sat Mar 21, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Need a new car, please help given COVID-19
Replies: 44
Views: 3098

Re: Need a new car, please help given COVID-19

Since my wife drives so little (5 miles per day) - I don't think we need a new car. My car is only 6 years old, so I thought we'd get a used car for her and then wait (hopefully 4 more years) to get a new car for me. Are you saying that 15K is too high for a used car since at that point we're gettin...
by abs9986
Sat Mar 21, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Need a new car, please help given COVID-19
Replies: 44
Views: 3098

Re: Need a new car, please help given COVID-19

Given a quick search, it looks like Nissan's are the some of the cheapest used cars that are only a few years old - is there a reason to avoid them? It's been a long while since i bought (2012), but pretty much every maker with maybe one or two exceptions had a poor model or two from reliability, i...
by abs9986
Sat Mar 21, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Need a new car, please help given COVID-19
Replies: 44
Views: 3098

Re: Need a new car, please help given COVID-19

In terms of timing (due to COVID-19), do you all think it would be better to get something now, in a month, or in a few months. We have the luxury of waiting - I wasn't sure if there was a time where car prices may be cheaper.
by abs9986
Sat Mar 21, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Need a new car, please help given COVID-19
Replies: 44
Views: 3098

Need a new car, please help given COVID-19

My wife's 16-year old car is on its last leg so we need to replace it. The good news is that she only commutes 5 miles (total per day). She can also use my car while I am temporarily working from home. Given her short commute, and our desire to spend no more than $15K for a used car (we can buy it i...
by abs9986
Mon Mar 09, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: Yet another travel question
Replies: 16
Views: 1084

Re: Yet another travel question

On the phone with them now. We may be able to change. Would September be better?
by abs9986
Mon Mar 09, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Yet another travel question
Replies: 16
Views: 1084

Re: Yet another travel question

Of course that begs the question of when we should change to.
by abs9986
Mon Mar 09, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Yet another travel question
Replies: 16
Views: 1084

Re: Yet another travel question

We booked with United using economy fares...it looks like there is not an option to cancel or change.
by abs9986
Mon Mar 09, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: Yet another travel question
Replies: 16
Views: 1084

Yet another travel question

My wife and I currently have a planned trip to Portugal in in early June. We are trying to assess what options we have and whether we should consider cancelling our trip. We would obviously like to go but are unsure given the current environment. What do you think our best options are? 1. So far, we...
by abs9986
Sat Feb 01, 2020 3:50 pm
Forum: Personal Investments
Topic: Portfolio Check up (2 years later)
Replies: 6
Views: 813

Re: Portfolio Check up (2 years later)

Last bump
by abs9986
Fri Jan 31, 2020 9:46 pm
Forum: Personal Investments
Topic: Portfolio Check up (2 years later)
Replies: 6
Views: 813

Re: Portfolio Check up (2 years later)

Any other thoughts?
by abs9986
Fri Jan 31, 2020 1:56 pm
Forum: Personal Investments
Topic: Portfolio Check up (2 years later)
Replies: 6
Views: 813

Re: Portfolio Check up (2 years later)

We're not planning to have kids (re 529s)
by abs9986
Fri Jan 31, 2020 12:04 pm
Forum: Personal Investments
Topic: Portfolio Check up (2 years later)
Replies: 6
Views: 813

Portfolio Check up (2 years later)

Hi All, It's been 2 years since my last check up, so I wanted to get your advice to make sure I'm not missing anything Debt: Mortgage (refinanced about 6 months ago) - 15 years @ 3.25%; $153K remaining Tax Filing Status: (Married Filing Jointly) Effective Tax Rate Including SS/Medicare/Fed/State: 22...
by abs9986
Thu Dec 12, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Looking to replace original sliding patio door
Replies: 20
Views: 1462

Re: Looking to replace original sliding patio door

We can definitely replace the door with whatever we like. So it sounds like people are recommending finding a good contractor and see what they recommend. Are there websites that rate local contractors?
by abs9986
Wed Dec 11, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Looking to replace original sliding patio door
Replies: 20
Views: 1462

Looking to replace original sliding patio door

Our condo's sliding patio door is over 20 years old and we think it needs to be replaced. The outside screen door doesn't really fit well on the frame, the slider doesn't open/close too well, and we'd like to get a better quality door than whatever the builder originally installed. Are there any rec...
by abs9986
Wed Sep 18, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Need to buy new over the range microwave; which brand/model is reliable?
Replies: 16
Views: 1059

Re: Need to buy new over the range microwave; which brand/model is reliable?

I'll definitely check that out. I'm curious if anyone else has thoughts on this topic?
by abs9986
Wed Sep 18, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Need to buy new over the range microwave; which brand/model is reliable?
Replies: 16
Views: 1059

Re: Need to buy new over the range microwave; which brand/model is reliable?

those look pretty expensive...was hoping to keep it under $400
by abs9986
Wed Sep 18, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Need to buy new over the range microwave; which brand/model is reliable?
Replies: 16
Views: 1059

Need to buy new over the range microwave; which brand/model is reliable?

Our over the range Frigidaire broke after 1.5 years of light use. We are looking to purchase another microwave and it seems that every one I read up on has several reviews stating they broke between 6 months and 2 years. Are there any reliable brands out there that actually last more than 3 years? H...
by abs9986
Sun Sep 08, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Microwave keeps tripping circuit breaker
Replies: 26
Views: 3285

Microwave keeps tripping circuit breaker

So our Frigidaire gallery microwave which is a year and a half old is frequently tripping our circuit breaker multiple times per week. We believe that it is the microwave because we've tried plugging it into different outlets and it is also tripping those circuits. It is definitely on its own dedica...
by abs9986
Sat Jul 13, 2019 9:38 am
Forum: Investing - Theory, News & General
Topic: Reconsider conventional 3- fund portfolio?
Replies: 7
Views: 1207

Reconsider conventional 3- fund portfolio?

I've been an investor of the three fund portfolio for about 10 years now and have been happy with the simplicity and low expenses. My question is, with more and more companies choosing to not list publicly and changes to the political and economic landscape, should we be considering changing our inv...
by abs9986
Sun Jul 07, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Am I calculating my potential mortgage refinancing savings correctly?
Replies: 16
Views: 1812

Re: Am I calculating my potential mortgage refinancing savings correctly?

So using the net present value shows an approximate 1,100.0 per year savings which is about $15,000 over 14 years. I'm curious then how my calculations are incorrect since they show about 23,000 savings over the 14 years. Old loan remaining payments = $1344/mo * 12 mo * 14 years = $225792 New loan:...
by abs9986
Sun Jul 07, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Am I calculating my potential mortgage refinancing savings correctly?
Replies: 16
Views: 1812

Re: Am I calculating my potential mortgage refinancing savings correctly?

So using the net present value shows an approximate 1,100.0 per year savings which is about $15,000 over 14 years. I'm curious then how my calculations are incorrect since they show about 23,000 savings over the 14 years.
by abs9986
Sun Jul 07, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Am I calculating my potential mortgage refinancing savings correctly?
Replies: 16
Views: 1812

Am I calculating my potential mortgage refinancing savings correctly?

Old Loan: Rate = 4.375% 30 Year paying at 15 years (Prepay extra $500 in principal monthly to end 04/2032; note - loan originated 07/2017 and we started prepaying 1 year ago; I plugged the numbers into an amortization calculator factoring this in) Current Monthly Payment = $844 + $500 = $1344 Origi...
by abs9986
Wed Jul 03, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Mortgage Refinance Question
Replies: 10
Views: 1652

Re: Mortgage Refinance Question

Called my current lender and they are offering 3.99% (down from 4.375%) with an estimated total closing costs (includes taxes of $3500). That would basically lower my P&I payment by $40 per month which would take ~7 years to recover. I guess I should try shopping around as that seems really crappy. ...
by abs9986
Tue Jul 02, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: Mortgage Refinance Question
Replies: 10
Views: 1652

Mortgage Refinance Question

Current mortgage is 30 year fixed at 4.35%. Total loan is ~ $170K of which we have ~ $160K remaining. The loan is 2 years old and we currently pay extra principal to effectively pay the loan off in 15 years. My question is with 30 year rates now around 3.5 - 3.8%, should we be looking to refinance? ...
by abs9986
Sun May 26, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2556

Re: Should I replace my AC?

Any other opinions?
by abs9986
Sat May 25, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2556

Re: Should I replace my AC?

1200 square feet.
by abs9986
Fri May 24, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2556

Should I replace my AC?

Just had my annual HVAC inspection (from a reputable company) and they identified the AC unit being low on refrigerant. The levels were about 40 and 160; the technician indicated they should be 65 and 200. There's also some frost on the coils which is indicative of low coolant levels. The unit is ov...
by abs9986
Thu May 16, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads update their 401k contributions once they are able to max?
Replies: 19
Views: 1723

How do Bogleheads update their 401k contributions once they are able to max?

Let's say one makes $100K and sets aside 19% to max their 401k. Now, it's less than halfway through the year and they get a $10k raise. Obviously leaving the contributions will put this person over the max $19k threshold. How do Bogleheads ensure they max or get as close to the max contribution as p...
by abs9986
Wed May 15, 2019 6:10 pm
Forum: Personal Investments
Topic: Bond allocation question
Replies: 9
Views: 799

Re: Bond allocation question

Isn't it all the same in the end? Whether I put my bond allocation in the Roth IRA or 401k or combo of both. Like if I'm looking at my portfolio as a whole then shouldn't I chase the lowest ER?
by abs9986
Wed May 15, 2019 12:30 pm
Forum: Personal Investments
Topic: Bond allocation question
Replies: 9
Views: 799

Bond allocation question

Given my company 401k options, I am maxing my contribution to an s&p 500 index fund and investing taxable in vanguatd total stock index What I'm realizing is that I am having to rebalance my Roth IRA to account for my 20% bond allocation. Is it ok that my Roth IRA is being used more and more for my ...
by abs9986
Sat Apr 13, 2019 9:17 am
Forum: Personal Investments
Topic: What % bonds for early retirement
Replies: 51
Views: 5951

Re: What % bonds for early retirement

Thank you all for the feedback. I thought I remember reading that it's a good idea to have both stocks and bonds because it forces you to buy low and sell high. for example as stocks continue to do better you would sell some of the games and buy the lower performing bonds or vice versa. Also, as you...
by abs9986
Fri Apr 12, 2019 1:51 pm
Forum: Personal Investments
Topic: What % bonds for early retirement
Replies: 51
Views: 5951

Re: What % bonds for early retirement

The historical US stock return is something like 11% so I figured 7% was a safe figure. I guess I'm just looking for a rule of thumb for bond percentage allocation. From what I've read, a good start is age in bonds. My question is basically does that advice pertain to someone who is looking to retir...
by abs9986
Fri Apr 12, 2019 9:19 am
Forum: Personal Investments
Topic: What % bonds for early retirement
Replies: 51
Views: 5951

Re: What % bonds for early retirement

what's confusing to me is those target funds probably assume that you have been investing for 10 years longer than I have. So I wasn't sure given the overall shorter investment window if I needed to have a higher percentage of stocks or if because I'm looking to retire sooner I should be more quickl...
by abs9986
Fri Apr 12, 2019 9:00 am
Forum: Personal Investments
Topic: What % bonds for early retirement
Replies: 51
Views: 5951

What % bonds for early retirement

Current age 32. Current percent bonds = 22%. We max all of our retirement investments and want to retire as early as possible. We are currently projected to retire at around age 50 assuming a 7% (4% real) average return. My question is what percent bonds should I be targeting right now and how shoul...
by abs9986
Mon Jan 28, 2019 1:48 pm
Forum: Personal Investments
Topic: 2019 Portfolio Check In
Replies: 6
Views: 969

Re: 2019 Portfolio Check In

Any other thoughts
by abs9986
Sun Jan 27, 2019 4:58 pm
Forum: Personal Investments
Topic: 2019 Portfolio Check In
Replies: 6
Views: 969

2019 Portfolio Check In

Hi All, It's been a couple of years since I've done this last, can you give any feedback on our portfolio: Basic Info Emergency funds: 12+ months expenses as cash @ 2% in Capital One 360 Money Market (my wife and I have some medical conditions, so we have saved extra in case one of us needs to take ...
by abs9986
Thu Oct 25, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Question about the 4% rule
Replies: 27
Views: 2588

Re: Question about the 4% rule

So for early retirement in early 50s does the 4% rule still apply?
by abs9986
Wed Oct 24, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Question about the 4% rule
Replies: 27
Views: 2588

Question about the 4% rule

I have a question about the 4% rule. I know it's a "rule of thumb" but does it assume that one is expecting a portfolio return of 7% minus 3% expected inflation so that an individual could "safely" withdraw 4% from their portfolio amount each year and live off interest (never reducing the initial pr...
by abs9986
Mon Oct 22, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about compound interest and diminishing returns
Replies: 7
Views: 1472

Re: Confused about compound interest and diminishing returns

I guess my thoughts are more the "diminishing" returns of investing more. I'm curious if others get to a point where they say, investing more isn't worth it...it's only allowing me to retire 2 months error for the same $6K.
by abs9986
Mon Oct 22, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Confused about compound interest and diminishing returns
Replies: 7
Views: 1472

Confused about compound interest and diminishing returns

I wanted to get your thoughts on early retirement and the diminishing returns of investing more and more money. This could also be a philosophical discussion. I'm currently maxing both 401Ks and Roth IRAs as well as investing a sizable amount into a taxable account(s). What I'm noticing is that as I...
by abs9986
Mon Sep 24, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Water filters and vacuum cleaners.
Replies: 13
Views: 1629

Re: Water filters and vacuum cleaners.

I will second the Apec under the sink water filtration recommendation
by abs9986
Sun Aug 19, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Trying to figure out international stock allocation; something is wrong with my math
Replies: 4
Views: 517

Trying to figure out international stock allocation; something is wrong with my math

Hi All, Something is very wrong with my math and I need your help. I have decided that I want an asset allocation of 25% bonds and 75% stocks. Of the 75% stocks, I want 15% international. Based on that, I get the following percentages at the portfolio level: 1. Enter desired bond % 25.00% 2. Enter d...
by abs9986
Wed Aug 08, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Too much cash, need help in how to proper allocate it
Replies: 5
Views: 635

Too much cash, need help in how to proper allocate it

I need your input on how I should be allocating my cash; I currently have ~$40K too much in savings that should be better invested. That would leave me well over 1 year's worth expenses. I currently max 401K and roth IRAs, prepay mortgage, and invest in taxable accounts resulting in a neutral cash f...
by abs9986
Fri Aug 03, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Liability/Umbrella Insurance Question
Replies: 22
Views: 1426

Re: Auto Liability/Umbrella Insurance Question

How much would you recommend?
by abs9986
Fri Aug 03, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Liability/Umbrella Insurance Question
Replies: 22
Views: 1426

Auto Liability/Umbrella Insurance Question

- Age 31, married
- Networth ~ $400K
- Currently have 100k/300k auto liability

Question:
1. Is that sufficient auto liability?
2. Do I need an umbrella policy (wasn't sure of the rule of thumb given networth/auto liability amounts)