Search found 538 matches

by CoAndy
Thu May 09, 2019 9:48 am
Forum: Personal Investments
Topic: Alimony Finished - Where to Invest?
Replies: 22
Views: 2511

Re: Alimony Finished - Where to Invest?

SquawkIdent wrote:
Wed May 08, 2019 6:15 pm
2019 Chevrolet Corvette.

You deserve it. :sharebeer
Correct. Z06 model preferably. And you will still have $4k a month to invest or pay down the mortgage or whatever.
by CoAndy
Tue Apr 16, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 14403

Re: In Laws Retirement Nest Egg

I would help my in laws. Now, if they spend years making poor decision after poor decision and expect money from me, then absolutely resentment will kick in. Also, you in-laws have taken steps to prepare themselves for retirement.
by CoAndy
Tue Apr 16, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9395

Re: Luxury car recommendations?

We're lifelong savers. With some luck we're doing relatively fine financially. So we'd like to live a bit more. In the past we usually buy a brand new Camry or like, and run for 10 years and repeat. Now we are wondering if we should try a Lexus or something similar? Some background info: We are cer...
by CoAndy
Tue Apr 16, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 12003

Re: What Are Your Simple Pleasures?

Drinking coffee on the deck while reading (library book of course) or sitting with my wife
Drinking ice cold beer on said deck
Hiking, walking the dog, working out, a good cigar on the deck, paired with either a coffee or ice cold beer.
by CoAndy
Fri Mar 29, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7107

Re: Anybody else get a huge tax increase due to SALT deduction changes?

It's weird how the news keeps saying that the middle class got stiffed while the rich gained, but around here it's just the opposite. The politicians in the high tax states keep complaining too, but it seems to mainly hit people in the higher brackets (and million dollar houses), which is not the m...
by CoAndy
Wed Mar 27, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?
Replies: 76
Views: 3913

Re: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?

Not so much friends but a lot of coworkers who are a complete mess, 95% of the time due to their own stupid decisions. The latest: a $700 Toyota Tundra payment for a gentleman I work with. He puts $180 a month in his 401(k).
by CoAndy
Tue Feb 12, 2019 10:28 am
Forum: Investing - Theory, News & General
Topic: T Rowe Price?
Replies: 29
Views: 3354

Re: T Rowe Price?

My entire 401(k) is in a Vanguard Target Retirement Fund. 457 has money in both Fidelity Total Market and T. Rowe Price Growth Stock.
by CoAndy
Wed Feb 06, 2019 2:49 pm
Forum: Personal Investments
Topic: Can I retire now?
Replies: 32
Views: 6432

Re: Can I retire now?

Is your wife still working and providing health insurance? If so, I would retire today. If so, how long is she going to keep working?
by CoAndy
Sat Feb 02, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts? What to do? [When can I buy a house?]
Replies: 9
Views: 904

Re: Thoughts? What to do?

How about living at home a few more years and saving up enough to purchase a home in cash? Just a little thought outside the box.
by CoAndy
Sat Feb 02, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Advice on windfall
Replies: 11
Views: 1003

Re: Advice on windfall

Personally, I would pay off the entire mortgage and then funnel your old mortgage payment into 529's. Use the last $100k for either home improvements, put away for a future vehicle, beef up your emergency fund, etc. Maybe a nice vacation?
by CoAndy
Fri Jan 25, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Implementing a wealth tax
Replies: 64
Views: 3281

Re: Implementing a wealth tax

How can the economy be the best it's been in at least 2 decades, with unemployment at nearly the lowest rates in history, yet the US is INCREASING it's annual deficit? Rhetorical question, I know... Spending. Stop spending more than is taken in and deficits will decrease. Not the answer you were lo...
by CoAndy
Mon Dec 24, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10788
Views: 1887326

Re: U.S. stocks in free fall

What the crap is going on????
by CoAndy
Thu Dec 06, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Thread
Replies: 31
Views: 3733

Re: Another Home Affordability Thread

I think that is way too much house. 2,500 sq. ft. should be fine and much more affordable.
by CoAndy
Thu Dec 06, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 13334

Re: Who else is getting excited?

Not excited. Not at all. :annoyed
by CoAndy
Fri Nov 23, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4928

Re: Should I sell my house?

I would absolutely sell the house and use the equity to purchase the Boston home in cash.
by CoAndy
Fri Nov 16, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1881

Re: One food I could never give up

Chips and salsa.
by CoAndy
Wed Nov 14, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7698

Re: Honda reliability slipping?

This is an anecdote of course but I bought my 2012 Honda Accord on November 11, 2011. Will hit 82k miles tonight after work. Have not had a single problem with it.
by CoAndy
Tue Nov 06, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8533

Re: What's everyone currently in?

401(k) is 100% Vanguard Target 2035

457 is:

40% Fidelity Total Market
20% T. Rowe Price Growth Stock
15% Harbor International
20% Frost Total Bond
5% Stable Value Fund
by CoAndy
Mon Nov 05, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 122
Views: 18565

Re: Are we in trouble?

I think you guys will be fine but in the meantime, I might think seriously about reducing your 401(k) contributions down to the company matches and pile as much cash as possible until these issues are resolved.
by CoAndy
Sun Oct 28, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154726

Re: What Movie Have You Recently Watched?

Halloween. I really enjoyed. Best horror movie to come out in a long while.
by CoAndy
Wed Oct 03, 2018 8:49 am
Forum: Personal Investments
Topic: Pay off debt or invest?
Replies: 14
Views: 1335

Re: Pay off debt or invest?

I recently inherited $240,000 and I am trying to figure out what to do with it. I have a 6 month emergency fund, but very little saved for retirement. Independent contractor so no employer 401k, but did max out my IRA this year. I own a home that I am almost 12 years into the 30 year mortgage. Payo...
by CoAndy
Tue Oct 02, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 17130

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

I would have to say Alaska and Italy are tied for my first choice. I loved Venice and Sorrento. Stateside I love Seattle and NYC.
by CoAndy
Tue Oct 02, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5983

Re: Root of Good's cost of raising a child: $3,300 per year

The only thing that annoys me is that he takes his family all over the world while insuring the family's healthcare on the taxpayer's dime. He made that choice and I find it pretty repulsive. That's not the intent of the safety net and he deserves heat over that. He's more frugal than we plan to be...
by CoAndy
Tue Oct 02, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5983

Re: Root of Good's cost of raising a child: $3,300 per year

The only thing that annoys me is that he takes his family all over the world while insuring the family's healthcare on the taxpayer's dime. He made that choice and I find it pretty repulsive. That's not the intent of the safety net and he deserves heat over that. He's more frugal than we plan to be...
by CoAndy
Tue Oct 02, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5983

Re: Root of Good's cost of raising a child: $3,300 per year

He shows $0 for healthcare. So is he not paying health insurance? How wonderful. :| I suspect that you and I are paying those healthcare costs. :annoyed (What is annoying here, for me, is that he apparently is doing this by choice, not because of limited resources/medical problems/lack of education...
by CoAndy
Tue Sep 25, 2018 7:46 am
Forum: Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1508

Re: What investment company does your employer use?

My employer uses Great West Retirement Services (GWRS). We used to have Valic.
by CoAndy
Thu Sep 20, 2018 9:26 am
Forum: Personal Investments
Topic: Concerns over funding priority when investing with debt
Replies: 42
Views: 2269

Re: Concerns over funding priority when investing with debt

As long as you have a nice emergency fund, I would continue maxing out both 401(k)'s and maybe cut the after tax investment in half, to $15.5k and then throw the other $15.5k to the mortgage every year. Seems like a good balance.
by CoAndy
Fri Sep 14, 2018 10:45 am
Forum: Personal Investments
Topic: 40/60 allocation returns ytd
Replies: 29
Views: 5019

Re: 40/60 allocation returns ytd

:beer
by CoAndy
Mon Sep 03, 2018 1:02 pm
Forum: Personal Investments
Topic: To pay of mortgage or not to? Help
Replies: 19
Views: 1244

Re: To pay of mortgage or not to? Help

I would definitely pay the mortgage off. You could then invest the rest of your cash pile as well as your former mortgage payment each month.
by CoAndy
Mon Sep 03, 2018 8:09 am
Forum: Personal Investments
Topic: where to invest new money in this market
Replies: 15
Views: 3160

Re: where to invest new money in this market

I would do a CD ladder. A 60 month CD, a 48 month CD, and a 36 month CD. Maybe put the rest in an Ally Savings Account earning 1.85%. Those CD's should earn you 2-2.5% at least.
by CoAndy
Fri Aug 03, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 49731

Re: [Ally online savings now at 1.75%]

oldcomputerguy wrote:
Fri Aug 03, 2018 3:26 pm
FWIW, just got an email from Ally, they bumped up to 1.8%.
Just received that myself.
by CoAndy
Mon Jul 30, 2018 10:23 am
Forum: Personal Investments
Topic: Building a portfolio from scratch, starting with 100k
Replies: 15
Views: 1393

Re: Building a portfolio from scratch, starting with 100k

Flyer24 wrote:
Mon Jul 30, 2018 8:07 am
Pay the student loan off and start your new life debt free.
Absolutely pay off the student loans.
by CoAndy
Tue Jul 17, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 59853

Re: Flaunt Your High-Mileage Car

Thought I would bring this thread back to life so see some new inspiring high mileage vehicles! 2012 Honda Accord. 66k miles. 100% trouble free to date... 2012 Honda Accord 71k miles. Still 100% trouble free. Not high mileage yet but will be in a few years. What a great car this has been. Still 100...
by CoAndy
Fri Jul 06, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 15665

Re: How to "retire" in your 30's article

It is always amazing to me when I read articles like this how many folks are already focused on early retirement in their early 20's. Obviously one cannot get the "retire early bug" at 35 and retire two years later. Now I wonder what the heck I was thinking about in my early 20's? It sure wasn't abo...
by CoAndy
Fri Jun 29, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Loan to Max Out 401(k)
Replies: 28
Views: 1878

Re: Loan to Max Out 401(k)

Please do not do this.
by CoAndy
Thu Jun 28, 2018 8:28 am
Forum: Personal Investments
Topic: So much angst
Replies: 52
Views: 6549

Re: So much angst

There are alot of people who contribute 10 percent or more to their employers plan, get a 3 plus percentage match from their employers, and put it in their target date fund. They no nothing about investing, dont read or watch anything about investing, and dont care about investing. Providing they s...
by CoAndy
Wed Jun 27, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Hardship withdrawal?!
Replies: 15
Views: 1804

Re: Hardship withdrawal?!

I would not proceed with a home purchase. I would pay off current 401(k) loan, save up emergency fund, then save up your down payment. Slow and steady. Deep breaths.
by CoAndy
Tue May 29, 2018 12:57 pm
Forum: Personal Investments
Topic: Vanguard Target retirement funds
Replies: 28
Views: 5899

Re: Vanguard Target retirement funds

I have a 401(k) and a 457. My entire 401(k) is in the Vanguard 2035 fund (VTTHX). I could do without the international bonds but am happy with the fund. Have been with this fund for several years now.
by CoAndy
Thu May 24, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 18689

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

As you are already investing a lot of money, I would go ahead and pay it off. Congrats on a job (very) well done!
by CoAndy
Wed May 23, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with debt strategy
Replies: 47
Views: 3095

Re: Need help with debt strategy

No, OP is a young, single student who is graduating from college with a very reasonable amount of debt and a good salary, not someone with long-term problems due to a complete absence of money management skills and massive amounts of credit card debt who needs to follow bad advice.... The OP is 29 ...
by CoAndy
Mon May 14, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 10545

Re: Is there a boglehead muscle car?

I had a 2009 Pontiac G8 GT. Loved driving it. Unfortunately, Pontiac is no longer around. The same vehicle has been repackaged as the Chevy SS but I think it just got discontinued. Maybe look at getting a 2016.
by CoAndy
Tue May 08, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 26660

Re: most compelling TV character ever

Al Bundy
by CoAndy
Thu May 03, 2018 10:06 am
Forum: Personal Investments
Topic: Another payoff Loan or Invest question
Replies: 22
Views: 1614

Re: Another payoff Loan or Invest question

Without knowing the size of your windfall, saving half of it in an Emergency Fund and sending the other half to the car might be a good idea.
by CoAndy
Tue May 01, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Help me get on top of some debt before college expenses arrive...
Replies: 50
Views: 3519

Re: Help me get on top of some debt before college expenses arrive...

How much are you guys investing in your 401(k) and IRA's each month? I would seriously think about lowering these to the company match and focus on paying off the two car loans and the HELOC.
by CoAndy
Tue May 01, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 35
Views: 7731

Re: Reached a minor financial milestone this month

Congratulations! Would you mind sharing a few details, such as AA, how much you invest, etc?
by CoAndy
Mon Apr 16, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 21009

Re: Can I retire at age 40?

Yes you can. No you should not. You have another twenty productive years ahead of you. Now just get out there and show everyone that "yes you can" retire AT SIXTY. Good luck, y gracias por leer ~cfs~ "Work until you're 60 just because you're physically able, even if you have the money to retire"?? ...
by CoAndy
Mon Apr 16, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 12287

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

The only way I would feel comfortable in such a scenario would be if I also had a little extra money (say, $150k) in a high yield savings account or CD ladder to pull from for a few months in certain years in which the markets are choppy.
by CoAndy
Mon Apr 16, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 21009

Re: Can I retire at age 40?

I would say no but you should definitely be able to go when you're 45. Still a very young age to retire.
by CoAndy
Thu Apr 12, 2018 1:54 pm
Forum: Personal Investments
Topic: 29 YO With a big windfall. Invest or Pay off the mortgage?
Replies: 17
Views: 2887

Re: 29 YO With a big windfall. Invest or Pay off the mortgage?

How about 50% 50% ? If the cost of re-casting is low ($200?) I would go for that but would keep paying at the same rate if possible. Plus - how about taking 10% to live a little ? (so, 45% toward the mortgage, 45% for taxable equities, 10% to live a little) :happy Best wishes, :) 4803. I enjoy this...