Search found 1886 matches

by LiveSimple
Sat Mar 27, 2021 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Should I stay or should I go?
Replies: 47
Views: 4760

Re: Should I stay or should I go?

With these assests and spending you can retire. Hence you decision to work is not financial.
by LiveSimple
Thu Mar 25, 2021 3:21 am
Forum: Personal Finance (Not Investing)
Topic: Does the COVID Relief Legislation change COBRA?
Replies: 9
Views: 666

Re: Does the COVID Relief Legislation change COBRA?

Any relief if I retire than let go.
by LiveSimple
Wed Mar 24, 2021 12:50 pm
Forum: Personal Consumer Issues
Topic: Engineering - Umich (OOS) - Uva (InState)
Replies: 74
Views: 2909

Re: Engineering - Umich (OOS) - Uva (InState)

In the end, I would say for CS/CE go Michigan. I agree UMich, CS or CE, will pay for itself, if and when the student get good internships. Second year and third year internships will pay $10+ K per month, so it adds up to save for the tuition. If the student gets admission to UMich engineering then...
by LiveSimple
Sat Mar 13, 2021 4:47 pm
Forum: Personal Investments
Topic: ETF or Funds?
Replies: 10
Views: 903

Re: ETF or Funds?

If you like to invest the full amount of your monthly contribution, with nothing left over, you want mutual funds. If you monthly contribution is $500, and the price of an ETF share is $395, then the extra $105 doesn't get invested that month. Not anymore, with Fidelity you can buy ETF in dollars
by LiveSimple
Sun Feb 28, 2021 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Florida for retirement
Replies: 55
Views: 6793

Re: Relocation to Florida for retirement

I will say, if you are not into the ocean beach, a great place to retire is Tennessee. No income taxes, great cost of living, middle of the country and yes, you do get a hint of winter (can get a lot if you travel or live in the mountains) but generally great weather. Also, it is an outdoor magnet....
by LiveSimple
Sun Feb 28, 2021 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Florida for retirement
Replies: 55
Views: 6793

Re: Grumpy

Taylor Larimore wrote: Sun Feb 28, 2021 3:45 pm Best wishes.
Taylor in Miami where bugs and reptiles are rare
Jack Bogle's Words of Wisdom: "An investment in knowledge always pays the best interest."
Thanks Taylor, for you to add your thoughts and wishes, as we progress to the next change in our life.
by LiveSimple
Sun Feb 28, 2021 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Florida for retirement
Replies: 55
Views: 6793

Re: Relocation to Florida for retirement

We are focusing on Windermere any pros or cons if you are aware
by LiveSimple
Sun Feb 28, 2021 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Florida for retirement
Replies: 55
Views: 6793

Re: Relocation to Florida for retirement

Did some research on Windermere and Lake Mary.
If you are familiar with the Windermere area what are the pros and cons.
by LiveSimple
Sat Feb 27, 2021 3:14 pm
Forum: Personal Investments
Topic: Is this a good time to invest in VTI for long term?
Replies: 34
Views: 3616

Re: Is this a good time to invest in VTI for long term?

Always good time to invest when you have the money
by LiveSimple
Fri Feb 26, 2021 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Florida for retirement
Replies: 55
Views: 6793

Re: Relocation to Florida for retirement

Check out Lakeland, about half way between Orlando and Tampa, Nice quaint town with classic square, excellent healthcare, a small residential college (Florida Southern), so lots of small venue activities. If interested, look at the Christina subdivision south of town. Priced below either cities and...
by LiveSimple
Fri Feb 26, 2021 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Florida for retirement
Replies: 55
Views: 6793

Re: Relocation to Florida for retirement

Thanks a lot will check the location you specified
by LiveSimple
Fri Feb 26, 2021 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to Florida for retirement
Replies: 55
Views: 6793

Relocation to Florida for retirement

So in the next step in our life actively looking to relocate to Florida for retirement. For some reason picking sunburns of Orlando to be in the inner inlands from hurricane ? Windmere, wintergarden, long wood, lake Mary are the areas we are considering. On another perspective looking at TampA areas...
by LiveSimple
Tue Feb 16, 2021 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Worth going from 30 year 3.25% to 30 year 2.75% (in year 5)
Replies: 22
Views: 1944

Re: Worth going from 30 year 3.25% to 30 year 2.75% (in year 5)

yes you can do it if the mortgage rate is reduced. Since you are paying $1500 closing costs you can think through if that is worth it.
Can you get the same rate with no closing costs that will be a no brainer as well.

I will refinance it either way for a reduced mortgage rate over 30 years...
by LiveSimple
Sun Feb 14, 2021 7:36 am
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 827
Views: 68867

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

OP, Just my 2 cents. Have tiled to technology for a long time, 10 to 15 years.this quarter added ARK as well. My plan is to have a fixed percentage or have a fixed amount and move the excess to the traditional portfolio. Rebalance to the core. My thought is ARK will provide better or same as the tot...
by LiveSimple
Fri Feb 12, 2021 3:01 am
Forum: Personal Investments
Topic: 18 to 100 percent annual return fund
Replies: 145
Views: 11939

Re: 18 to 100 percent annual return fund

Being greedy too much is a way to lose money
by LiveSimple
Thu Feb 11, 2021 8:48 am
Forum: Investing - Theory, News & General
Topic: WSJ | Fidelity Holds Secret Weapon to Take On Robinhood and Vanguard
Replies: 56
Views: 7869

Re: WSJ | Fidelity Holds Secret Weapon to Take On Robinhood and Vanguard

We have been with fidelity for a couple of decades and happy.
by LiveSimple
Tue Feb 09, 2021 5:29 am
Forum: US Chapters
Topic: Why A Good Boglehead Must Leave The Bogleheads Forum
Replies: 180
Views: 18277

Re: Why A Good Boglehead Must Leave The Bogleheads Forum

OP, sure you have made the decision, however this forum has helped me on other things in life such as kids college selection, 529 how to start abs manage, mid life career changes, relocation, staple foods, etc. You cannot get this perspective who have experienced before. Yes I have designed our port...
by LiveSimple
Sun Feb 07, 2021 2:37 pm
Forum: Personal Consumer Issues
Topic: Can you get a job from taking a "Coding Bootcamp"?
Replies: 63
Views: 5169

Re: Can you get a job from taking a "Coding Bootcamp"?

May be not by taking the bootcamp, but understanding the bootcamp and passing with high scores, yes you can get the job. If you are entry level this will work, Moy not be for middle or senior levels.
by LiveSimple
Sun Feb 07, 2021 12:18 pm
Forum: Personal Consumer Issues
Topic: Return to office after covid shutdowns
Replies: 183
Views: 7345

Re: Return to office after covid shutdowns

In my case, I'm a high performer that is also FI - even more so now thanks for being a Boglehead and also due to the strong stock market. I also like working from home for the reasons many others have mentioned. So, I will hold out as long as possible, and if they force the issue I'll mail my lapto...
by LiveSimple
Tue Feb 02, 2021 3:42 am
Forum: Personal Investments
Topic: 500k worth of dry powder. I made a mistake of market timing.
Replies: 137
Views: 13083

Re: 500k worth of dry powder. I made a mistake of market timing.

If you were putting $10 K per week and have a lot of cash, just put $20 K per week until you invested all cash then move to $10 K per week.
by LiveSimple
Thu Jan 28, 2021 10:33 am
Forum: Investing - Theory, News & General
Topic: For Those Who Are 100% US Stocks For Equity Allocation
Replies: 116
Views: 10100

Re: For Those Who Are 100% US Stocks For Equity Allocation

Yes you can, what makes you sleep well.

International can be from 0% to 20% to 40% to 50%, just pick an number that makes you comfortable.

If I say my international is 21.224% that do not make a lot of sense to you.

No one except you can pick that allocation.
by LiveSimple
Thu Jan 28, 2021 2:49 am
Forum: Personal Finance (Not Investing)
Topic: how to safely receive 200k from an escrow company?
Replies: 40
Views: 2715

Re: how to safely receive 200k from an escrow company?

I would trust the title company check, I am sure they are regulated so nothing to worry.
by LiveSimple
Thu Jan 28, 2021 2:16 am
Forum: Personal Finance (Not Investing)
Topic: how to safely receive 200k from an escrow company?
Replies: 40
Views: 2715

Re: how to safely receive 200k from an escrow company?

Check or cashiers check assuming the escrow company is regulated or reputable.
by LiveSimple
Tue Jan 26, 2021 1:06 am
Forum: Investing - Theory, News & General
Topic: What do you think about swing trading?
Replies: 136
Views: 7690

Re: What do you think about swing trading?

Very difficulty to be profitable. Also will you be happy to do swing trade with say $500,000. So have a plan with index funds and enjoy life.

Tilt as you can to scratch the urge to beat the market.
by LiveSimple
Mon Jan 25, 2021 11:34 am
Forum: US Chapters
Topic: Happy 97th Birthday, Taylor Larimore
Replies: 146
Views: 6344

Re: Happy 97th Birthday, Taylor Larimore

Mr. Taylor Larimore,

Thank you and Happy Birthday!

Enjoy the moment !!!!
by LiveSimple
Mon Jan 25, 2021 6:37 am
Forum: Investing - Theory, News & General
Topic: Recommend me a set if and forget it ETF
Replies: 32
Views: 3019

Re: Recommend me a set if and forget it ETF

VTI and be done with it. This VTI or ITOT I am partial to Vanguard for some of the patented tax efficiency processes that they have developed. Long story short the ETF and Admiral shares of the Total Stock Market are extremely tax efficient. So I say VTI for this reason. Sure agree, I am partial to...
by LiveSimple
Sun Jan 24, 2021 10:52 pm
Forum: Investing - Theory, News & General
Topic: Tracking my ARK / Bitcoin - non-Boglehead portfolio
Replies: 181
Views: 15846

Re: Tracking my ARK / Bitcoin - non-Boglehead portfolio

This thread has me seriously considering selling all my ARK If this tread made you change your mind then please do so. Did you have a plan earlier when you invested in ARK funds, did anything changed from there. Sure get back to index funds but still please do not change your plans based on these t...
by LiveSimple
Sat Jan 23, 2021 9:37 am
Forum: Investing - Theory, News & General
Topic: Recommend me a set if and forget it ETF
Replies: 32
Views: 3019

Re: Recommend me a set if and forget it ETF

HMSVictory wrote: Sat Jan 23, 2021 8:12 am VTI and be done with it.
This VTI or ITOT
by LiveSimple
Sat Jan 23, 2021 9:35 am
Forum: Investing - Theory, News & General
Topic: Cloning ETFs on a commission-free platform?
Replies: 5
Views: 338

Re: Cloning ETFs on a commission-free platform?

Too much work for too less cost saving. May be a good hobby.
by LiveSimple
Mon Jan 18, 2021 11:33 am
Forum: Personal Investments
Topic: Roth Ira Technology funds
Replies: 7
Views: 458

Re: Roth Ira Technology funds

Sure, please put some percentages on the funds you own, want to keep and what to invest future money in. Percentages of funds "as is" Percentages of funds "want to keep as is" Percentages of funds "to be" Also if okay to share what is the size of the portfolio, say less...
by LiveSimple
Mon Jan 18, 2021 9:49 am
Forum: Personal Investments
Topic: Roth Ira Technology funds
Replies: 7
Views: 458

Re: Roth Ira Technology funds

Sure, still unable to assess what is your flavor of your asset allocation. Being on the trending industries such as semiconductor on one end and being on Fidelity Freedom® Index 2035 Fund on the other end. Do you want to be more passive investor investing in fund of funds or be your own indexer with...
by LiveSimple
Mon Jan 18, 2021 9:36 am
Forum: Personal Investments
Topic: Roth Ira Technology funds
Replies: 7
Views: 458

Re: Roth Ira Technology funds

My other half portfolio will hold for ever I've own these for years. I am a favorite of Index low expense funds long term. (FIHFX) Freedom Index 2035 (FXAIX) Fidelity 500 Index (FSMAX) Fidelity Extended Index (FTIHX) Fidelity Total Intl Index (FPURX) Fidelity Puritan Can be simplified as : (FSKAX) ...
by LiveSimple
Mon Jan 18, 2021 9:33 am
Forum: Personal Investments
Topic: Roth Ira Technology funds
Replies: 7
Views: 458

Re: Roth Ira Technology funds

Have a plan on how your portfolio want to look like with the various asset classes such as Total US index Total International Index Total Bond Index Then to spice up, what are the tilts you prefer Small Value Technology ARK Funds Semiconductor Healthcare Medical Devices Consumer Discretionary ETC......
by LiveSimple
Sat Jan 16, 2021 4:29 pm
Forum: Personal Investments
Topic: MorningStar X-Ray and Stock Intersection use only top 50 holdings
Replies: 1
Views: 151

Re: MorningStar X-Ray and Stock Intersection use only top 50 holdings

I do not have said Morningstar, so created a spreadsheet with the top 10 stocks of each ETF. and do a pivot table, to get the equity totals.
by LiveSimple
Sat Jan 16, 2021 7:22 am
Forum: Investing - Theory, News & General
Topic: ARK investment
Replies: 267
Views: 24717

Re: ARK investment

Just curious are there any sector / industry index ETFs that are similar to ARK ETFS.
ARKG -> IDNA

Any others...
by LiveSimple
Thu Jan 14, 2021 7:03 am
Forum: Personal Finance (Not Investing)
Topic: My company denies academic tuition assistance request
Replies: 35
Views: 2606

Re: My company denies academic tuition assistance request

You are in the middle of an MBA, you can complete two case studies. 1. Research what went wrong, that the company is not paying the $5000 for the MBA. Reasons and what the employee can learn from this. 2. Should an employee switch jobs for not not getting $5000 for his MBA. Do the cost analysis and ...
by LiveSimple
Thu Jan 14, 2021 7:03 am
Forum: Personal Finance (Not Investing)
Topic: My company denies academic tuition assistance request
Replies: 35
Views: 2606

Re: My company denies academic tuition assistance request

You are in the middle of an MBA, you can complete two case studies. 1. Research what went wrong, that the company is not paying the $5000 for the MBA. Reasons and what the employee can learn from this. 2. Should an employee switch jobs for not not getting $5000 fir his MBA. Do the cost analysis and ...
by LiveSimple
Wed Jan 13, 2021 10:02 pm
Forum: Personal Investments
Topic: Three Fund Portfolio + Ark ?
Replies: 24
Views: 2035

Re: Three Fund Portfolio + Ark ?

Dannyzecca wrote: Wed Jan 13, 2021 9:57 pm
LiveSimple wrote: Wed Jan 13, 2021 9:06 pm Post your percentages and what is the plan if the ARK funds go south ?
The percentages would be
VTSAX - 30
VTSAX - 30
VBTLX - 20
ARKQ - 5
ARKK - 5
ARKG - 5
ARKF - 5
Ok looks logical to me, I made the same this week with 5% each as you have outlined.
by LiveSimple
Wed Jan 13, 2021 9:06 pm
Forum: Personal Investments
Topic: Three Fund Portfolio + Ark ?
Replies: 24
Views: 2035

Re: Three Fund Portfolio + Ark ?

Post your percentages and what is the plan if the ARK funds go south ?
by LiveSimple
Wed Jan 13, 2021 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Move to Panhandle of FL?
Replies: 18
Views: 2418

Re: Move to Panhandle of FL?

Interesting, want to observe...the messages...as this area was under our consideration, for relocation.
by LiveSimple
Tue Jan 12, 2021 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Got a job offer for $840k/yr. Should I come out of retirement?
Replies: 229
Views: 29055

Re: Got a job offer for $840k/yr. Should I come out of retirement?

(My expertise is performance marketing for tech companies.) What is performance marketing ? :beer I need to know. https://blog.taboola.com/introductory-guide-performance-marketing/ Performance marketing is a comprehensive term for online marketing and advertising programs where advertisers pay only...
by LiveSimple
Sat Jan 09, 2021 8:56 am
Forum: Personal Consumer Issues
Topic: Is working overrated?
Replies: 31
Views: 1946

Re: Is working overrated?

I've been retired for almost 10 years and the more time I'm home the more I feel that working was overrated. Sure we needed the money and it was challenging (and very stressful) at times, but all the hoopla about acheiving goals, one's potential...blah, blah, blah...seem overblown to me. Love where...
by LiveSimple
Thu Jan 07, 2021 12:14 pm
Forum: Investing - Theory, News & General
Topic: What is the "Quit when you won the game" portfolio?
Replies: 177
Views: 18854

Re: What is the "Quit when you won the game" portfolio?

50% / 50% portfolio, 50% equities, 50% bonds
by LiveSimple
Wed Jan 06, 2021 6:51 am
Forum: Investing - Theory, News & General
Topic: Bitcoin, Starbucks or Doordash?
Replies: 59
Views: 3427

Re: Bitcoin, Starbucks or Doordash?

Let me tell you a secret, just invest in Total Stock Market Index.... then every year once enjoy a Starbucks Coffee of your choice, with a coffee cake as well The question is asking if you are going to waste money do you do it on something that gives you short term pleasure, a risky stock or pure s...
by LiveSimple
Tue Jan 05, 2021 6:10 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin, Starbucks or Doordash?
Replies: 59
Views: 3427

Re: Bitcoin, Starbucks or Doordash?

Let me tell you a secret, just invest in Total Stock Market Index.... then every year once enjoy a Starbucks Coffee of your choice, with a coffee cake as well
by LiveSimple
Tue Jan 05, 2021 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Houston, Texas from SF Bay - Update
Replies: 3
Views: 485

Re: Relocation to Houston, Texas from SF Bay - Update

That was wonderful outcome.
The squeaky wheel gets the oil.
by LiveSimple
Mon Jan 04, 2021 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire? - Update and New Question
Replies: 126
Views: 13361

Re: Can we retire? - Update and New Question

I completely agree. We are having a hard time walking away from the healthy paycheck. We both did really well in 2020 and we are both eligible for sizable bonuses for 2020 performance. It's very difficult to leave that money on the table (we feel like we really earned it). In addition, there is a h...
by LiveSimple
Mon Jan 04, 2021 5:37 am
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 223
Views: 15665

Re: 2021 Hedge Fund Contest

Route to Retirement

Long

SQ - Square
V - Visa
NVDA - NVIDIA