Search found 547 matches

by CoAndy
Fri Aug 02, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 207
Views: 9450

Re: Insane to buy a sports car?

You're 32, have $750k and no debt? I would get that new Corvette. It is pulling at me as well. And it looks like it might be available at $60k.
by CoAndy
Mon Jul 22, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 8870

Re: C8 Corvette - who is buying?

I would LOVE a new Corvette but I am not sure I want to delay my retirement for a year or year and a half to get it.
by CoAndy
Wed Jul 03, 2019 1:34 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 212
Views: 43199

Re: How Do You Like My New 'Doo

True to my word, I did some more Growth to Value rebalancing today. I sold a bit more of my Fidelity Total Stock Market Index to buy more Fidelity Large Cap Value Index. Sold another bit of Total Stock Market Index to take to cash, that I will use to purchase a few more shares of the S&P 600 Small-...
by CoAndy
Tue Jun 25, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 45380

Re: What lifestyle creep made you happier?

CrossFit membership.
by CoAndy
Wed Jun 19, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: happy when the market is down - want to understand
Replies: 42
Views: 3659

Re: happy when the market is down - want to understand

I am sure everybody absolutely hated seeing the market drop from fall 2008-March 2009. Around the second week of March 2009 we are presented an amazing buying opportunity (in hindsight of course).
by CoAndy
Mon Jun 17, 2019 2:05 pm
Forum: Personal Investments
Topic: Where to Invest 2k - 4k a month
Replies: 12
Views: 1557

Re: Where to Invest 2k - 4k a month

Great "problem" to have. Personally, I would max out the 401(k), max out the HSA and put all remaining dollars to build up the emergency fund and then send it to the mortgage every month.
by CoAndy
Thu Jun 13, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11500

Re: Retired at 35 and have no friends :(

HomerJ wrote:
Thu Jun 13, 2019 9:05 am
Tycoon wrote:
Thu Jun 13, 2019 8:56 am
Spread the word that you've got money. Friends will show up.
"I got dozens of friends and the fun never ends
That is, as long as I'm buying."

-Styx - "Too Much Time on My Hands"
Well played. :sharebeer
by CoAndy
Mon Jun 03, 2019 9:48 am
Forum: Personal Investments
Topic: Would you pay off car loan early?
Replies: 46
Views: 2411

Re: Would you pay off car loan early?

Do you have an emergency fund? if so, I would just send the money to the car loan.
by CoAndy
Thu May 23, 2019 3:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11678
Views: 2011323

Re: U.S. stocks in free fall

Historically the market has been this volatile or more, yes. That is why we get the big bucks. I love this thread because I love stock market crashes. I particularly love coming to this thread to write about how I enjoy stock market crashes, so that I can be scolded by superstitious people who thin...
by CoAndy
Thu May 09, 2019 9:48 am
Forum: Personal Investments
Topic: Alimony Finished - Where to Invest?
Replies: 22
Views: 2632

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: 15064

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: 10185

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: 12719

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: 7382

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: 4135

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: 3570

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: 6556

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: 937

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: 1034

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: 3406

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: 11678
Views: 2011323

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: 3826

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: 13589

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: 5007

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: 1955

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: 7906

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: 8859

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: 18888

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: 4635
Views: 1196333

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: 1363

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: 184
Views: 20779

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: 6234

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: 6234

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: 6234

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: 1563

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: 2342

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: 5129

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: 1287

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: 3246

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: 51118

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: 1426

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: 61817

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: 15905

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: 1927

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: 6672

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: 1842

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: 6339

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: 19076

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: 3192

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 ...