Search found 511 matches

by CoAndy
Thu Sep 20, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Concerns over funding priority when investing with debt
Replies: 42
Views: 2000

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
Mon Sep 03, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: To pay of mortgage or not to? Help
Replies: 19
Views: 1133

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: Investing - Help with Personal Investments
Topic: where to invest new money in this market
Replies: 15
Views: 2894

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 1.80%]
Replies: 220
Views: 35788

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: Investing - Help with Personal Investments
Topic: Building a portfolio from scratch, starting with 100k
Replies: 15
Views: 1280

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: 56361

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: 15086

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: 1768

Re: Loan to Max Out 401(k)

Please do not do this.
by CoAndy
Thu Jun 28, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 6286

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: 1716

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: Investing - Help with Personal Investments
Topic: Vanguard Target retirement funds
Replies: 28
Views: 4246

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: 17778

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: 2911

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: 9380

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: 25054

Re: most compelling TV character ever

Al Bundy
by CoAndy
Thu May 03, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Another payoff Loan or Invest question
Replies: 22
Views: 1386

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: 3116

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: 7627

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: 18320

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: 10064

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: 18320

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: Investing - Help with Personal Investments
Topic: 29 YO With a big windfall. Invest or Pay off the mortgage?
Replies: 17
Views: 2709

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...
by CoAndy
Thu Apr 12, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 5235

Re: Bull Market Timing

OP I have spent a lot of time reading journals on the early retirement Extreme forum and I cannot tell you how many times I have read investors stating that "valuations are too high so putting new money into cash" or "sitting on cash, waiting for the overdue drop". These were in 2013. Have read vari...
by CoAndy
Mon Apr 02, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 34
Views: 7570

Re: Sad because I did not know what I was doing with inheritance

I often am sad when I think of the money I lost in 2008 with the inheritance I received. My sister and I both received a very nice inheritance upon the death of both our parents. Let it be known, we would rather have them here with us, than have the money. Back in 2008, I had no idea what I was doi...
by CoAndy
Mon Apr 02, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496293

Re: U.S. stocks in freefall

Well, TimeLord posted a thread a couple months ago asking if anyone else was tired of the market going up. Wonder what his thoughts are right about now?
by CoAndy
Mon Mar 26, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Can pension systems etc. stomach a possible coming decade of low returns?
Replies: 25
Views: 2586

Re: Can pension system etc. stomach the coming decade of low returns?

The pensions have been struggling even with good market returns! Their greatest problem is not market returns, but rather under-funding and lack of oversight, and unrealistic expectations. Although my company has been stable since the 1870's, and is probably going to be here another 100 years, I st...
by CoAndy
Fri Mar 23, 2018 1:36 am
Forum: Personal Consumer Issues
Topic: New vs Used Camry vs Accord
Replies: 64
Views: 4625

Re: New vs Used Camry vs Accord

Might as well throw my $.02 in. Bought a new 2012 Accord in November 2011. Currently have 73k miles on it. The car has been nothing short of perfect so far.
by CoAndy
Fri Mar 23, 2018 1:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496293

Re: U.S. stocks in freefall

munemaker wrote:
Thu Mar 22, 2018 3:06 pm
CoAndy wrote:
Thu Mar 22, 2018 2:51 pm
Just got back in the office and checked the market.... :shock:
You should have just blown off the day and gone home.
Next time I will know better. :oops:
by CoAndy
Thu Mar 22, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496293

Re: U.S. stocks in freefall

Just got back in the office and checked the market.... :shock:
by CoAndy
Thu Mar 22, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Much gratitude!
Replies: 5
Views: 566

Re: Much gratitude!

That's amazing! Congratulations! Any plans to celebrate?
by CoAndy
Sat Mar 17, 2018 12:04 am
Forum: Investing - Help with Personal Investments
Topic: Am I handling this windfall correctly?
Replies: 39
Views: 4952

Re: Am I handling this windfall correctly?

I think your plan looks just fine. Do you have any plans to purchase a home anytime soon?
by CoAndy
Fri Mar 09, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Contribution Amounts...Percentage vs Specific
Replies: 15
Views: 920

Re: Contribution Amounts...Percentage vs Specific

I am able to select a dollar amount or a percentage. I keep mine at 15% throughout the year! which is a bit under the max. I also contribute a certain higher dollar amount when I have a lot of overtime or when cashing out unused vacation time.
by CoAndy
Thu Mar 08, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Stuck - what to do with lump sum severance
Replies: 11
Views: 1203

Re: Stuck - what to do with lump sum severance

I agree 100% with what Meg says. That is a great use of that money.
by CoAndy
Thu Mar 08, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking multiple savings goals in one account
Replies: 13
Views: 1193

Re: Tracking multiple savings goals in one account

I just have a few different savings accounts for different goals. Right now, I have Emergency Fund, Vacation Fund, and Home Improvement/Repairs Fund. Will open a New Car Fund soon. Current car (Honda Accord) only has 72k miles so I won't be looking to get a new vehicle for at least 3-5 years.
by CoAndy
Mon Mar 05, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Cash in Preretirement Phase
Replies: 5
Views: 649

Re: Cash in Preretirement Phase

Do they have a mortgage?
by CoAndy
Mon Mar 05, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6343

Re: Which car, Porsche Cayenne or Volvo XC90?

Corvette Stingray Grand Sport. :sharebeer
by CoAndy
Mon Feb 26, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay down first?
Replies: 30
Views: 1790

Re: Which debt to pay down first?

Toons wrote:
Sun Feb 25, 2018 5:27 pm
One at a time.
Smallest first.
Start with the school loan.
Every penny you can come up with.






:idea: :idea:
What he said.
by CoAndy
Mon Feb 26, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 10275

Re: Blasphemy... DO PEEK!

I only look every other Friday after payroll contributions are deposited. Though when the market is on a particularly nice run I do peek sometimes. I never do when the market is dropping.
by CoAndy
Mon Feb 26, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Personal rules for buying in a down market?
Replies: 55
Views: 4437

Re: Personal rules for buying in a down market?

I just continue to buy regardless. Though this last downturn, I threw $3,000 from my Stable Value fund to T. Rowe Price Growth Stock and $1,000 to Fidelity Total Market. Just because...
by CoAndy
Wed Feb 21, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: How am I really doing for retirement savings?
Replies: 45
Views: 5156

Re: How am I really doing for retirement savings?

I think you can absolutely go to the minimum savings amount of $21,000 a year. Though it is hard to say for sure without knowing how much you want to spend per year when retired and at what age you want to retire. In other words, if you want to retire in 3 or 4 years, then obviously cutting the savi...
by CoAndy
Mon Feb 19, 2018 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: VAIPX/TIPS: To sell or not to sell
Replies: 14
Views: 1273

Re: VAIPX/TIPS: To sell or not to sell

I think I have the same question. I began buying VAIPX several years ago when QE began with the expectation that inflation would increase. That prediction was an epic fail. I currently have this fund as about 17% of my 457 and am wondering if I should make a move. Currently only contributing 5% to t...
by CoAndy
Wed Feb 14, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: What to do with additional funds?
Replies: 3
Views: 328

Re: What to do with additional funds?

Personally, I would halt the 529 contributions, max out your 401(k), and continue to pay off the mortgage. With no house payment, cash flowing college might be an option. Or in 4-5 years when you are mortgage free, simply invest the $1,000 a month you were paying to the mortgage into the 529 plans. ...
by CoAndy
Wed Feb 14, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: When to pay off debt instead of invest?
Replies: 27
Views: 1748

Re: When to pay off debt instead of invest?

I would personally pay down the mortgage.
by CoAndy
Wed Feb 14, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 12340

Re: Honda vs. Toyota: Which has more bang for the buck?

I agree you can't go wrong either way. I personally have a 2012 Honda Accord with 72k miles and have not had a single issue. Though I have heard and read nothing but great things about the Camry as well.
by CoAndy
Mon Feb 05, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 17339

Re: Blood in the water- buying?

So this is the general premise, that when there is blood in the water you buy your investments. How many have done this in the last three trading days? How many were actually sitting on enough cash to do so? Especially considering that so many here are not advocates of holding large cash positions ...
by CoAndy
Mon Feb 05, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 56361

Re: Flaunt Your High-Mileage Car

CoAndy wrote:
Thu Sep 07, 2017 2:13 pm
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.
by CoAndy
Mon Feb 05, 2018 1:28 am
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 2727

Re: Cigar buying help

I recommend CAO Box Press, and most of the Rocky Patel Line: Decade, 1990, 1992, Olde World Reserve Corojo.
by CoAndy
Fri Feb 02, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496293

Re: U.S. stocks in freefall

My 401K contribution goes in tomorrow. This is awesome news! If it's troubled water ahead, just be careful what you wish for. Nope, not worried. Stay the course. I have a 50-year horizon. If it dropped 50% tomorrow and I lost my job, we’d still be fine for years. I'm admittedly a total novice, but ...
by CoAndy
Tue Jan 30, 2018 1:25 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 5643

Re: Happy Birthday, Taylor!

Happy Birthday Taylor! Thank you for all you have done and all you continue to do. :sharebeer