Search found 120 matches

by matti
Sun Oct 18, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 411
Views: 27564

Re: Items that are worth the money for the quality

JPH wrote: Sun Oct 18, 2020 12:38 pm
matti wrote: Fri Oct 16, 2020 10:59 pm My CW-X Pro running shorts have been bulletproof.
Where have you been running that you need that?
lol
by matti
Fri Oct 16, 2020 10:59 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 411
Views: 27564

Re: Items that are worth the money for the quality

My CW-X Pro running shorts have been bulletproof.
by matti
Thu Oct 15, 2020 4:16 pm
Forum: Investing - Theory, News & General
Topic: Make biweekly payments to 457 or save up an fill up Roth IRA on January 1?
Replies: 2
Views: 196

Make biweekly payments to 457 or save up an fill up Roth IRA on January 1?

Hello. I have a 401a and 403b through work. I just decided to stop contributing to the 403b in favor of starting a new 457. I also have a Roth IRA. My plan is to contribute to the 457 with each paycheck, however, I am not able to max out the 457. Does it make sense to put as much as possible into th...
by matti
Tue Oct 13, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5886
Views: 1393680

Re: What Movie Have You Recently Watched?

I watched "Bye Bye Man" and "They Come Knocking" this weekend. They were both a bit spooky and at least a bit entertaining.
by matti
Mon Oct 12, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Favorite Horror Books
Replies: 40
Views: 2174

Re: Favorite Horror Books

Hello. I'm a horror nut, so pretty much anything I read or watch is related to horror, the supernatural, etc. That said, I don't read horror novels. However, I have a strong interest in regional history and folklore. If that interests you, one can often find books that talk about legends/urban legen...
by matti
Thu Oct 08, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: Flying during the pandemic
Replies: 94
Views: 5710

Re: Flying during the pandemic

I have an option to take a work trip to Montana later this month. My initial plan was to fly, but as time passes, I'm less comfortable with flying. I've decided to drive. I'm a road-trip junkie, so I don't mind the 18-hr trip each way. Certainly, you should do what you feel most comfortable with. Go...
by matti
Thu Oct 08, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: How to get roadside assistance without AAA?
Replies: 74
Views: 5058

Re: How to get roadside assistance without AAA?

As others have noted, we just tacked Roadside Assistance onto our Progressive policy. It was quite cheap.
by matti
Sun Oct 04, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Affording a new house
Replies: 3
Views: 563

Re: Affording a new house

What is the cost of living in your area? I wouldn't buy anything even close to $500k, for what it's worth.
by matti
Fri Oct 02, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: Trail sneakers
Replies: 59
Views: 3480

Re: Trail sneakers

I walked across the US, coast to coast, and discovered Merrell's to be the best. They come in regular and waterproof versions. I currently have 4 or 5 pairs that I rotate through. YMMV. That's awesome! Did you do is straight through, or did you take it in sections, or....? I'd love to hear more abo...
by matti
Thu Oct 01, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: Trail sneakers
Replies: 59
Views: 3480

Re: Trail sneakers

Everyone's preference, foot shape, and gait is unique, so, as many others have mentioned, you would be well served to visit a running shoe store and try on a bunch to see what feels good. However, for what it's worth, I'm a long-distance trail runner and don't really do much hiking. But, I believe a...
by matti
Thu Oct 01, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Help with replacing water heater
Replies: 49
Views: 3054

Re: Help with replacing water heater

Our water heater started leaking rust-colored water, which was an indication it was beginning to fail. My wife wanted a new tankless water heater (gas), so we went with that. Supposedly, this is supposed to lower our energy bills; however, I haven't taken the time to see if that's the case or not. I...
by matti
Wed Sep 30, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: Do you have any hobbies for a long winter? I bought a Sony A7 III mirrorless camera.
Replies: 72
Views: 4445

Re: Do you have any hobbies for a long winter? I bought a Sony A7 III mirrorless camera.

We build a hockey rink in the backyard (Mass) late November and skate most days/nights until early March - year 13 for the rink this winter and probably the last :( as all kids will be out of the house I live in northern MN and outdoor rinks are a way of life here. I'm not a hockey player but I fin...
by matti
Tue Sep 29, 2020 7:27 pm
Forum: Personal Consumer Issues
Topic: How do you stay organized?
Replies: 17
Views: 1601

Re: How do you stay organized?

I use Google Calendar reminders and lots of sticky notes (in my car, in the kitchen, where I leave my wallet and keys at the end of the day (i.e., on top of the dryer)).
by matti
Mon Sep 28, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 91
Views: 6843

Re: DIY life style. Typical Boglehead?

My dad was a hardcore DIYer when I was growing up. He tried to do almost everything himself; this often instigated heated arguments with my mom because it seems like he never did the job as well as she would have liked! My dad is in his 70s now and still is a DIYer. My wife and I do some of the basi...
by matti
Fri Sep 25, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 61
Views: 2867

Re: What's your favorite reasonably priced gin?

Ah, this thread brings back memories. I quit drinking almost 30 months ago because I enjoyed gin. Too much. I never really had a sipping gin; more like a guzzling gin! I always liked drinking it straight. Anyways, I tried a lot of gins over the years and Beefeater was always my favorite. I really li...
by matti
Thu Sep 24, 2020 9:45 am
Forum: Personal Investments
Topic: Can I convert a 403b to a 457?
Replies: 10
Views: 798

Re: Can I convert a 403b to a 457?

Your post is simply begging the question, why not direct all future investments to the 457 plan? The benefit of the 457 plan over the 403b plan, presumably, is the ability to withdraw from it even prior to age 59.5, if you separate from that employer sponsoring the plan. If that's the benefit that ...
by matti
Thu Sep 24, 2020 9:45 am
Forum: Personal Investments
Topic: Can I convert a 403b to a 457?
Replies: 10
Views: 798

Re: Can I convert a 403b to a 457?

There's another restriction to rolling a 403b into a 457b. The 403b must be from a previous employer. If the 2 plans are with your current employer, it's not allowed. You can transfer your 403b balance to another 403b that's on your employer's 403b vendor list. I guess you realize that you can cont...
by matti
Wed Sep 23, 2020 7:50 pm
Forum: Personal Investments
Topic: Can I convert a 403b to a 457?
Replies: 10
Views: 798

Re: Can I convert a 403b to a 457?

Hello. An earlier thread today comparing a 403b to a 457 gave me pause. I started a 403b when I joined my employer 17 years ago (a public education institution). I had a 457 available but I chose the 403b for no particular reason, as I knew nothing about investing. The aforementioned thread suggest...
by matti
Wed Sep 23, 2020 7:43 pm
Forum: Personal Investments
Topic: Can I convert a 403b to a 457?
Replies: 10
Views: 798

Can I convert a 403b to a 457?

Hello. An earlier thread today comparing a 403b to a 457 gave me pause. I started a 403b when I joined my employer 17 years ago (a public education institution). I had a 457 available but I chose the 403b for no particular reason, as I knew nothing about investing. The aforementioned thread suggests...
by matti
Wed Sep 23, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: New Rolling Stone Top 500 Albums (which is a must buy?)
Replies: 49
Views: 4013

Re: New Rolling Stone Top 500 Albums (which is a must buy?)

Metallica's Master of Puppets (#97) is an all-timer in the genre, if you like metal. In 2015 or 2016, it was added to the Library of Congress National Recording Registry as a work that is "culturally, historically, or aesthetically significant."
by matti
Tue Sep 22, 2020 4:11 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5886
Views: 1393680

Re: What Movie Have You Recently Watched?

I'm a sucker for Halloween, so I watched "The Legend of Halloween Jack" and "The Barn" this past weekend. Both have awesome thematic Halloween elements, but only one was good!
by matti
Mon Sep 21, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: Your recent experience of visiting a dentist
Replies: 63
Views: 4322

Re: Your recent experience of visiting a dentist

I have not gone to the dentist this year for obvious reasons to do with Corona pandemic. I usually go at least twice year for teeth cleaning. I would like to have dental implants. I am willing to wait until next year. Can you share your experience if you have gone to a dentist? I went to the dentis...
by matti
Mon Sep 21, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3338

Re: Best shoes for running?

I bought a pair of Altras on sale for $60 -- online without ever trying them on. Am I hurting myself by going cheap? Added: Earlier this week I ran an over-age-60 PR in the 5K in these shoes! Congratulations on your PR! I used Altra for a few years and really liked the zero-drop. However, I ran int...
by matti
Sun Sep 20, 2020 9:41 pm
Forum: Personal Consumer Issues
Topic: Which used hatchback to choose?
Replies: 31
Views: 2228

Re: Which used hatchback to choose?

Looking for a new vehicle for the gf, and we'd both kind of prefer a hatchback. Ideally looking for something in the $5-$8,000 range, 2010 or newer, and under 125k miles. I think our first choice would be a Honda Fit. Also like the idea of a Prius, just feel a little uncertain with never owning/dri...
by matti
Fri Sep 18, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 144
Views: 20285

Re: Your "at peace" moments.

Great thread! Two that come to mind: 1. Finishing my Saturday long run (I run ultramarathons), showering, and then sitting down with some pizza. 2. Watching "ghost hunting" TV shows late on a Friday or Saturday night, with all of our Halloween decorations and lights up, with a spooky orange glow per...
by matti
Wed Sep 16, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: what is your side job and income?
Replies: 87
Views: 10744

Re: what is your side job and income?

Are you looking for more money, the ability to sharpen or develop your skills/abilities, or for an opportunity to have fun and create memories? I worked ballpark operations/security for a MLB team in the Midwest for a few years. Didn’t make a bunch of money, a few thousand a season. But I made some...
by matti
Wed Sep 16, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: what is your side job and income?
Replies: 87
Views: 10744

Re: what is your side job and income?

Are you looking for more money, the ability to sharpen or develop your skills/abilities, or for an opportunity to have fun and create memories? I worked ballpark operations/security for a MLB team in the Midwest for a few years. Didn’t make a bunch of money, a few thousand a season. But I made some...
by matti
Tue Sep 15, 2020 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: what is your side job and income?
Replies: 87
Views: 10744

Re: what is your side job and income?

For the past five years, I've been buying and selling concert tickets on the side. This made me about $12-$18k/year. However, I didn't do it this year due to COVID.
by matti
Mon Sep 14, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2198
Views: 233331

Re: [What TV Show Have You Recently Watched?]

I am watching reruns of UFO Hunters today.
by matti
Wed Sep 09, 2020 6:48 pm
Forum: Personal Investments
Topic: Age vs retirement year
Replies: 27
Views: 4714

Re: Age vs retirement year

Hi.

I'm 41yo and have all retirement funds invested in Vanguard Target Retirement 2040. In reality, my hope is that I retire in my mid 50s. My wife and I don't have kids and live in a LCOL area, so I feel comfortable now with the risk.
by matti
Sat Sep 05, 2020 8:04 pm
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 217
Views: 40172

Re: What expenditures improved your happiness/quality of life?

The Goo Goo Dolls are my favorite band I just watched a bunch of Goo Goo Dolls and Verve Pipe. As a Gen X, I feel like I need to apologize for the music we made for our Millennials. Good music, but we should have had some therapy before inflicting all that depression on the next generation. I saw t...
by matti
Sat Sep 05, 2020 12:06 am
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 217
Views: 40172

Re: What expenditures improved your happiness/quality of life?

The Goo Goo Dolls are my favorite band I just watched a bunch of Goo Goo Dolls and Verve Pipe. As a Gen X, I feel like I need to apologize for the music we made for our Millennial. Good music, but we should have had some therapy before inflicting all that depression on the next generation. lol! I h...
by matti
Fri Sep 04, 2020 11:45 pm
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 217
Views: 40172

Re: What expenditures improved your happiness/quality of life?

The Goo Goo Dolls are my favorite band (I've seen them 18 times), so whenever possible, I try my best to get a front row center ticket to their shows. I suspect I've been front and center for about half of the shows I've attended. I'm going to see them twice next summer (I'll have to jump on a plane...
by matti
Fri Sep 04, 2020 10:56 pm
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 217
Views: 40172

Re: What expenditures improved your happiness/quality of life?

Whenever my wife and I take a trip or vacation, we buy a Christmas ornament (or something that can be made into a Christmas ornament) to remember the trip. We put up our Christmas tree every year the day after Thanksgiving, and it's a blast to bring out all the ornaments we have purchased over the y...
by matti
Thu Sep 03, 2020 9:27 pm
Forum: Investing - Theory, News & General
Topic: Assessing your investment behavior during the pandemic
Replies: 35
Views: 2253

Re: Assessing your investment behavior during the pandemic

Thanks for posting.

During the pandemic I also pretty much stayed the course. I did increase my emergency fund since the pandemic started, however. I also came into a bit more money in the past month, so I increased the amount I contribute to my 403(b) (I hope to be able to max it out this year).
by matti
Wed Sep 02, 2020 7:30 pm
Forum: Investing - Theory, News & General
Topic: Be not afraid
Replies: 9
Views: 1670

Re: Be not afraid

I also stayed the course during this recent crash, but I must admit it was a bit difficult to do so at times as it was my first crash where I had substantial (to me) money invested. I have considered changing my retirement funds (all in tax deferred like Roth IRA, 403b, and 401a) to something slight...
by matti
Tue Sep 01, 2020 7:36 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads 3 Fund Portfolio Review"
Replies: 8
Views: 948

Re: "Bogleheads 3 Fund Portfolio Review"

Thanks for posting. As someone that is not horribly knowledgeable about investing, I simply put money into Vanguard Target Retirement 2040. However, this fund has much more than 20% of equities in international. What is the reason(s) for this? Thank you. This paper might help explain their rational...
by matti
Tue Sep 01, 2020 3:38 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads 3 Fund Portfolio Review"
Replies: 8
Views: 948

Re: "Bogleheads 3 Fund Portfolio Review"

Thanks for posting.

As someone that is not horribly knowledgeable about investing, I simply put money into Vanguard Target Retirement 2040. However, this fund has much more than 20% of equities in international. What is the reason(s) for this?

Thank you.
by matti
Tue Sep 01, 2020 11:28 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 15509

Re: What is your age and asset allocation ?

I'm 41yo and have all retirement funds in Vanguard Target Retirement 2040. Right now, it's at 82% stocks, 18% bonds I believe.
by matti
Sat Aug 29, 2020 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: At what point can you afford a 2nd home?
Replies: 46
Views: 3937

Re: At what point can you afford a 2nd home?

We have a lake cabin that we spent a ton of time at (we've basically been living here for five months due to COVID) and we take vacations, for sure. We were in Australia this past February, for example.
by matti
Sat Aug 29, 2020 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: At what point can you afford a 2nd home?
Replies: 46
Views: 3937

Re: At what point can you afford a 2nd home?

My wife and I bought our lake cabin two years ago when we are 39 and 40. We gross ~$150k and have no kids with no plans to have any. Our only debt is our primary residence (~$50k remaining on mortgage). When we bought the lake cabin, we had about $700k or so saved for retirement. We live in a LCOL a...
by matti
Fri Aug 28, 2020 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Cabin advice
Replies: 76
Views: 9292

Re: Am I crazy? Cabin advice

My wife and I bought a lake cabin two years ago and don't regret it at all. We love it! However, our situation is quite a bit different than yours. We gross $150k and have no kids. We live in a LCOL area, so our house is worth $135k (we owe about $50k on this mortgage) and the we bought the cabin fo...
by matti
Fri Aug 28, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: What purchases are you planning now for the Fall/Winter to get ahead of demand?
Replies: 57
Views: 6987

Re: What purchases are you planning now for the Fall/Winter to get ahead of demand?

I've had my eye on a spooky-looking Halloween candelabra decoration set at the Dollar General. It's $7 and was still there the other day. I might pick uit up this weekend. My wife gives me permission to put up the Halloween decorations the day after Labor Day. At 41yo, Halloween season still makes m...
by matti
Thu Aug 27, 2020 10:17 am
Forum: Personal Investments
Topic: Thank you Bogleheads. I'm learning to keep it simple.
Replies: 5
Views: 858

Re: Thank you Bogleheads. I'm learning to keep it simple.

congrats. it wasn't just a run up in the last few months, but the last 11-12 years (since you graduated). Just over the past 11 years the market's gone up 318.74%: http://quotes.morningstar.com/chart/fund/chart?t=VTSAX&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atr...
by matti
Thu Aug 27, 2020 9:55 am
Forum: Personal Investments
Topic: Thank you Bogleheads. I'm learning to keep it simple.
Replies: 5
Views: 858

Thank you Bogleheads. I'm learning to keep it simple.

Hello. I remember being in grad school in 2008/2009 and having less than $10k invested in my retirement accounts. I found Bogleheads and spent a lot of time reading and lurking (I still lurk, but post only occasionally). I have all my retirement funds invested in Vanguard Target Retirement 2040 and ...
by matti
Wed Aug 26, 2020 9:16 pm
Forum: Personal Investments
Topic: I have a 403b at Vanguard and one at Fidelity, with same employer. Should I do anything?
Replies: 3
Views: 325

I have a 403b at Vanguard and one at Fidelity, with same employer. Should I do anything?

Hello. I had all of my retirement assets invested at Vanguard in a 401a, 403b, and Roth IRA. My employer recently switched to Fidelity as the administrator of its retirement plans. So, my 401a and new 403b investments are now at Fidelity. However, my Roth IRA and existing 403b balance (I am not cont...
by matti
Mon Aug 24, 2020 1:55 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 10200

Re: A Plea for Ordinary English

For what it's worth, I consider myself a fairly novice investor and I often see terms on BH that I am not familiar with. However, I don't mind. I usually just skip over it; if it's something I want to learn about, I just do a quick google search to at least try to understand the basics.
by matti
Sun Aug 23, 2020 9:41 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 31990

Re: What is the best concert you ever witnessed?

My best was Metallica in Des Moines in 2009. It was my 6th time seeing Metallica and I convinced my girlfriend (now my wife) to make the 6-hour drive with me. We were right on the rail next to the stage and it was incredible.