Search found 526 matches

by CoAndy
Thu Dec 06, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Thread
Replies: 13
Views: 1475

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: 139
Views: 11870

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: 4777

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: 1809

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: 7345

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: 8227

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: 106
Views: 12889

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: 3886
Views: 1086661

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: Investing - Help with Personal Investments
Topic: Pay off debt or invest?
Replies: 14
Views: 1277

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: 16781

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: 5770

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: 5770

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: 5770

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: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1434

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: Investing - Help with Personal Investments
Topic: Concerns over funding priority when investing with debt
Replies: 42
Views: 2213

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: 1188

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: 3059

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: 246
Views: 42698

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: 1370

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: 57610

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: 15506

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: 1847

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: 6420

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: 1774

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: 4810

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: 18216

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: 3011

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: 9836

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: 25837

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: 1509

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: 3297

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: 7652

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: 19450

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: 10915

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: 19450

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: 2791

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: 5617

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: 7773

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 free fall
Replies: 8542
Views: 1671068

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: 2757

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: 4899

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 free fall
Replies: 8542
Views: 1671068

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 free fall
Replies: 8542
Views: 1671068

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: 579

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: 5098

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: 953

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: 1245

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: 1272

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.