Search found 53 matches

by Jb526
Sun Mar 21, 2021 4:16 am
Forum: Personal Consumer Issues
Topic: Vanguard ads on their site--can they be stopped?
Replies: 16
Views: 1677

Re: Vanguard ads on their site--can they be stopped?

As a matter of customer service, any and all ads displayed while logged in to a Vanguard online account *should* be accompanied by a simple clickable link allowing the viewer to permanently disable it so that it will never reappear again. Unfortunately, that's only a suggestion and not an existing f...
by Jb526
Thu Mar 18, 2021 4:02 pm
Forum: Personal Consumer Issues
Topic: 50 gallon water heater questions
Replies: 70
Views: 4357

Re: 50 gallon water heater questions

It's a shame that when the time comes for replacement, a consumer is no longer allowed to think for themselves and select an 80-gallon residential electric water heater since they've been outlawed. I'm immensely enjoying my ten-year-old 80-gallon Kenmore Power Miser water heater with dual anodes and...
by Jb526
Thu Feb 18, 2021 9:23 pm
Forum: Personal Investments
Topic: Age 39 - Asset allocation, making the right decision
Replies: 31
Views: 2761

Re: Age 39 - Asset allocation, making the right decision

"Historically, the average annual return between 100/0 and 60/40 is less than 1% per year. You had been lucky so far. Time to preserve your gain." _________________________________________ Technically true, but historically bond yields and interest rates were higher. That's what helped th...
by Jb526
Thu Feb 18, 2021 9:05 pm
Forum: Personal Investments
Topic: Age 39 - Asset allocation, making the right decision
Replies: 31
Views: 2761

Re: Age 39 - Asset allocation, making the right decision

OP, As per solo 401K, I do not understand why you cannot reverse the order and max it out? A) Max up the employer side as per the profit first. B) Then, put in the employee side later. You may want to provide an example. In either case, the amount is per year. What has that got to with your month-t...
by Jb526
Thu Feb 18, 2021 8:40 pm
Forum: Personal Investments
Topic: Age 39 - Asset allocation, making the right decision
Replies: 31
Views: 2761

Re: Age 39 - Asset allocation, making the right decision

Albeit a reasonable portfolio that's trailing the target date funds, which is the disappointing part. lol There will always be portfolios that outperform yours. Some of them will be more complex and some of them will be simpler than your portfolio. You *could* swap to the target date fund, but if i...
by Jb526
Thu Feb 18, 2021 8:13 pm
Forum: Personal Investments
Topic: More Aggressive AA in Roth IRA?
Replies: 28
Views: 2332

Re: More Aggressive AA in Roth IRA?

May I inquire as to how you achieved $2.2 million within a Roth IRA? The contribution limits are so tiny.
by Jb526
Thu Feb 18, 2021 8:03 pm
Forum: Personal Investments
Topic: Age 39 - Asset allocation, making the right decision
Replies: 31
Views: 2761

Re: Age 39 - Asset allocation, making the right decision

Marseille07 wrote: Thu Feb 18, 2021 9:21 am Seems good to me. I'd consolidate more if I were you (leaning on lower ER funds) but what you have right now is fine as well. I would not hold bonds, I regret having had even 10% I just sold.

Personally, do you plan on ever holding bonds?
by Jb526
Thu Feb 18, 2021 8:02 pm
Forum: Personal Investments
Topic: Age 39 - Asset allocation, making the right decision
Replies: 31
Views: 2761

Re: Age 39 - Asset allocation, making the right decision

OP, 1) What are your annual expenses? Being self-employed, my annual expenses vary quite a but. My personal expenses are rather low. Business expenses are also rather low, but every few years there can be a major expense like upgrading business equipment, etc. So it's hard to predict. I strive to k...
by Jb526
Thu Feb 18, 2021 7:40 pm
Forum: Personal Investments
Topic: Age 39 - Asset allocation, making the right decision
Replies: 31
Views: 2761

Re: Age 39 - Asset allocation, making the right decision

I’ll answer a few: 2) It’s not wrong, but it would be nice to know why your portfolio looks the way it looks. I wouldn’t necessarily fixate on why the advisor chose this portfolio, but instead on why this is a reasonable portfolio that can help me achieve my long term goals . I think most would agr...
by Jb526
Thu Feb 18, 2021 6:01 am
Forum: Personal Investments
Topic: Age 39 - Asset allocation, making the right decision
Replies: 31
Views: 2761

Age 39 - Asset allocation, making the right decision

Age 39, single, seeking review of asset allocation since age 40 isn't very far off. Here is a retirement asset allocation recommended to me by a fee-only financial advisor back in my mid/late 20s, although the funds were "investor shares" at that time: 8% Vanguard Value Index (VVIAX) 14% V...
by Jb526
Wed Feb 17, 2021 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1762
Views: 166564

Re: My LenderFi refinance is going well

I sent one single competing offer to LenderFi, and they canceled my application. Little did they know, I may have still gone with them even though they weren't the best offer, as I did eventually end up refinancing with my existing lender even though my existing lender wasn't the best offer I'd rece...
by Jb526
Wed Feb 17, 2021 2:35 pm
Forum: Personal Consumer Issues
Topic: Cheap Passport Photos
Replies: 53
Views: 3877

Re: Cheap Passport Photos

I performed the entire process (passport application, photograph, check payments, etc.) at my local U.S. Post Office and got it done. Took minimal time, and the costs were all reasonable. Even got a duplicate photo included to keep.
by Jb526
Fri Jan 22, 2021 3:20 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 754107

Re: Refinance Mega Thread

Is a combination of the cheapest loan rate and lowest payment always the top priority? Is it very unusual or unreasonable for a borrower to pass up their lowest-rate option and go with another lender at .25% higher rate just because they know that lender will keep servicing the loan until it's paid ...
by Jb526
Mon Jan 18, 2021 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 754107

Re: Refinance Mega Thread

I've gone ahead and locked with LenderFi last week because they gave me the best offer at the time and rates were trending up. I've noticed in the last few posts that many have locked with 2 lenders, which I thought was not recommended? In any case, I've already submitted all my documents to LF but...
by Jb526
Sun Jan 17, 2021 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should folks who are able be spending more?
Replies: 47
Views: 4461

Re: Should folks who are able be spending more?

We've been trying to spend more for years now from local businesses. Since COVID hit, we're being more generous with our tips at restaurants. Definitely not targeting your specific comment, as I've seen similar comments throughout this very thread. But unless you're intimately familiar with a parti...
by Jb526
Sun Jan 17, 2021 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 754107

Re: Refinance Mega Thread

Just started monitoring rates within the past week without keeping apprised of rates beforehand, and I locked two loans just two days ago with Better. Primary residence (existing 30 yr loan of $160,000 at 4.75%, obtained 10 years ago) Value: $400,000 (rounded) New Loan Amount (15 yr): $160,000 New R...
by Jb526
Fri Jan 15, 2021 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 754107

Re: Refinance Mega Thread

And when Better provides an offer that's better than the other lender, does the rate table on Better's borrower portal just suddenly update with the improved terms? No, it only applies to the specific offer match. Negative. It applies to the whole rate table. I, as well as others, have leveraged th...
by Jb526
Fri Jan 15, 2021 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 754107

Re: Refinance Mega Thread

It's been said on here that Ally will provide a screenshot of the rate table after lock so that the borrower can choose an alternate rate. Does Better also honor such a request? And after locking with Better, how far into the refinance process will Better tolerate a borrower repeatedly presenting t...
by Jb526
Fri Jan 15, 2021 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 754107

Re: Refinance Mega Thread

Do you have to lock the horrible rates/costs first with Better on their borrower portal before they'll beat another locked lender's excellent numbers? Nope. I got Better to match before locking, then to match again when the competitor improved its offer. And when Better provides an offer that's bet...
by Jb526
Fri Jan 15, 2021 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 754107

Re: Refinance Mega Thread

Is it usual for Better to charge thousands of dollars in points when another lender at that very same moment is charging only a few hundred dollars for the exact same rate with the exact same loan application inputs? If so, is that a scenario when Better is still known for matching or beating a com...
by Jb526
Fri Jan 15, 2021 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 754107

Re: Refinance Mega Thread

the last time refinancing ... was over a decade ago. Back then, I blindly went with a couple very big, popular nationwide banks, but now I'm noticing the value of comparing lenders and negotiating things a bit. ... I feel so naive asking such questions, but this is definitely new territory for me. ...
by Jb526
Thu Jan 14, 2021 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 754107

Re: Refinance Mega Thread

Question here that many will probably think of as having an obvious answer, but I'm just starting out in all of this and want to make sure that I understand before proceeding further. When the borrower takes Lender No. 1's LE and presents it to Lender No. 2, and if Lender No. 2 is able to beat the o...
by Jb526
Wed Jan 13, 2021 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10338
Views: 754107

Re: Refinance Mega Thread

I'm currently trying to refinance a primary residence and likely an investment property also. This will be the first time refinancing the primary residence. And the last time refinancing the investment property was over a decade ago. Back then, I blindly went with a couple very big, popular nationwi...
by Jb526
Sun Nov 15, 2020 2:52 am
Forum: Personal Investments
Topic: Do I have too much HSA money?
Replies: 87
Views: 11032

Re: Do I have too much HSA money?

My HSA balance is similar, and I definitely plan on adding more. But it's impressive that you've been able to continually find a health plan that allows for HSA contributions to begin with. Last year, there were exactly zero available, so I had no choice in the matter. For this year, coverage includ...
by Jb526
Tue Mar 31, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 71
Views: 3934

Re: Stand Mixer

The Kenmore Ovation stand mixer is a tremendous pleasure to use, and I prefer it over a KitchenAid Artisan. The Ovation's bowl is substantial and sturdy. The sound of the motor is pleasant. And the mixing action is delicate while still being efficient and swift. The Ovation also looks ten times bett...
by Jb526
Wed Apr 17, 2019 4:19 pm
Forum: Personal Investments
Topic: Schwab Roth IRA - 2050 vs 2055 Fund
Replies: 2
Views: 422

Re: Schwab Roth IRA - 2050 vs 2055 Fund

I have a similar question. I've read on here that target date funds are a good choice for beginning investors such as yourself. However, would investing your Roth IRA in a 100% allocation of the Schwab S&P 500 Index Fund (SWPPX) be another possibility? The S&P return appears to be higher, an...
by Jb526
Sun Dec 02, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 23993

Re: Best values at Costco? Honestly, a little disappointed...

Here are a few items we consistently purchase at Costco: Gas, paper towels, toilet paper, garbage bags, $1.50 hot dog, wine, chicken, etc., etc. Their chicken is probably the best deal. $5 for a turkey-sized chicken already cooked. Gasoline is also their best deal if you have one with gas. Not so g...
by Jb526
Mon Nov 19, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 4297

Re: Men's crew neck t-shirts

Kmart's Basic Editions brand. Pack of 7 v-neck t-shirts for $13.00, beating Costco's and even Walmart's prices. Plus if you time your purchase during a decent "cash back in points" promotion, you can use those points to purchase additional shirts for free and without sales tax, further bea...
by Jb526
Sun Oct 28, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 3350

Re: Unplugging from Tech Tips

I'm always looking for ways to detach myself from the screen, as I believe it's unnatural and definitely detracts from living an authentic life. Some of my current strategies, from my Generation Y point of view: I use a separate e-mail address to keep promotional/subscription/notification type of e-...
by Jb526
Sat Oct 27, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 28929

Re: PSA: Don't buy a big house

We just moved from CA to TX. We ended up buying a McMansion compared to what we had before: - 4 BR, 4BA - 3750 sq ft (Note: For many I'm sure this will still be 'small'...) - 0.75 acres - 10-ft ceilings throughout - 20-ft ceilings in hallways and 'great room' In some ways it's great, there is space...
by Jb526
Sat Oct 27, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 75
Views: 8486

Re: Car battery?

I always buy Sears 'gold' batteries. Why? - There happens to be a Sears within a 10 minute drive - The batteries are probably just as good as others - 3 year warranty (never used it, batteries always seems to die about 4-5 years later after installation) - I get tires at Sears quite often, otherwis...
by Jb526
Sat Oct 27, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: What A Deal! [Affordable Care Act policy costs]
Replies: 28
Views: 4287

Re: What A Deal!

Congratulations on the savings! My situation turns out to be the opposite, at least from what I can tell. I was able to view renewal paperwork which has already posted to the health plan marketplace website, and my premium is increasing next year if I allow it to renew into the same exact plan. Howe...
by Jb526
Sat Oct 27, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Insignia TV Has Black Screen
Replies: 32
Views: 20621

Re: Insignia TV Has Black Screen

My tube TV had 20 years of use without a problem before I threw it out. I'm starting the ninth year on my Panasonic plasma TV, still as good as new. I really wish Panasonic hadn't stopped making consumer televisions. I'm on year 8 with my two Panasonic TVs (one LCD, one plasma). A total of four Pan...
by Jb526
Sat Oct 27, 2018 2:53 am
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 75
Views: 8486

Re: Car battery?

I always buy Sears 'gold' batteries. Why? - There happens to be a Sears within a 10 minute drive - The batteries are probably just as good as others - 3 year warranty (never used it, batteries always seems to die about 4-5 years later after installation) - I get tires at Sears quite often, otherwis...
by Jb526
Sat Oct 27, 2018 2:35 am
Forum: Personal Consumer Issues
Topic: New Range
Replies: 10
Views: 1211

Re: New Range

My Kenmore electric range with convection feature was manufactured by Electrolux. It's 8 years old now, and I still enjoy it like the day I bought it. I actually currently own 3 Kenmore ranges, and all have been great performers. In addition, I also own 15 other Kenmore major appliances currently in...
by Jb526
Sat Oct 27, 2018 2:27 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 930
Views: 84875

Re: Talk me out of buying a Tesla Model 3

I am sorry but IMO you do not have enough money saved to justify spending that much for a car. If you were making say $300K and had savings of say $2M to $3M then I would say go for it. But you just are not that rich for a guy who is 45. Go buy a lower cost car and keep saving that $700 per month. ...
by Jb526
Sat Oct 27, 2018 2:17 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7916

Re: How many miles (total) on car before buying another car ?

I've never understood what mileage has to do with anything. Automobiles should really have an hour meter included as standard equipment in addition. If a daily commute occurs in traffic where it takes nearly 2 hours to travel just 30 miles one way, a car's odometer reading doesn't really mean very m...
by Jb526
Sat Oct 27, 2018 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Car hit while parked, no note, just want damages as cash from insurance
Replies: 18
Views: 3185

Re: Car hit while parked, no note, just want damages as cash from insurance

When I had the same incident happen to me, I filed a claim under the underinsured motorist property damage coverage on my auto policy. For a hit-and-run incident (which I believe your case would be), this coverage on my own policy had only a $300 deductible. Do you have this coverage? It only adds $...
by Jb526
Wed Aug 15, 2018 4:58 pm
Forum: Personal Investments
Topic: For i401k, Vanguard does not allow investment into Admiral Shares
Replies: 38
Views: 3511

Re: For i401k, Vanguard does not allow investment into Admiral Shares

As a current i401(k) and Roth i401(k) account holder at Vanguard holding most of my entire portfolio in those two accounts, I too am tempted to move them elsewhere due to the fact that Admiral shares are not available. Ever since opening the account, I have felt shortchanged due to the seemingly una...
by Jb526
Wed Mar 07, 2018 11:10 pm
Forum: Personal Investments
Topic: Should I simplify my asset allocation?
Replies: 15
Views: 2705

Re: Should I simplify my asset allocation?

In general, I'm all for simplicity, and the 3 fund portfolio is an ideal target. Can't get much simpler than that, and there is enough there not to want to. But in your case, you're not that far off, and the few funds you have are tilts that some folks here believe are good things (e.g. REIT and sm...
by Jb526
Tue Mar 06, 2018 12:12 am
Forum: Personal Investments
Topic: Should I simplify my asset allocation?
Replies: 15
Views: 2705

Re: Should I simplify my asset allocation?

OP here. A lot of insightful responses, and I really appreciate it. Truly makes me glad to be a part of this site. To reply to some questions that were asked: With that in mind, work on crafting an investment policy statement. It's totally up to you, but I agree with mhalley. You need an investment ...
by Jb526
Sun Mar 04, 2018 7:29 pm
Forum: Personal Investments
Topic: Should I simplify my asset allocation?
Replies: 15
Views: 2705

Should I simplify my asset allocation?

Solely an asset allocation checkup request here. Nine years ago, I sought the advice of a fee-only financial planner. As part of our meeting, he set me up with the following asset allocation. (His recommendation originally included a portion allocated to bonds, which I later removed after the fact a...
by Jb526
Thu Feb 08, 2018 9:50 pm
Forum: Personal Investments
Topic: ETF. What and how do you use them?
Replies: 35
Views: 2020

Re: ETF. What and how do you use them?

When buying ETFs on a regular, repeated basis, what is the recommended buy method: (1) simply initiate a market order to save time and go on with one's day, or (2) set a limit order and keep an eye on the transaction status until the purchase finally occurs?
by Jb526
Wed Feb 07, 2018 6:44 pm
Forum: Personal Investments
Topic: ETF vs Mutual Fund in Taxable
Replies: 9
Views: 4058

Re: ETF vs Mutual Fund in Taxable

I've been pondering this topic, myself, recently. Maybe with a little different twist in the intent behind it, however. Let's say that a steadfast Vanguard account holder (including IRAs, 401ks, taxable, etc.) wishes to open an additional taxable account at another company (Fidelity, Schwab, etc.) f...
by Jb526
Tue Jun 21, 2016 6:13 pm
Forum: Investing - Theory, News & General
Topic: Will Opening Vanguard Brokerage Affect Existing Fund Holdings?
Replies: 2
Views: 579

Will Opening Vanguard Brokerage Affect Existing Fund Holdings?

On the general Vanguard Investor website, going to "Investing > Account Types," it shows that opening an individual or joint account will allow investing in funds as well as ETFs, stocks, CDs, and bonds. To my memory, I think this is different from the way things were when I joined Vanguar...
by Jb526
Sun Feb 22, 2015 1:11 pm
Forum: Personal Investments
Topic: No Vanguard Admiral Funds; go with Fidelity for 50+ Years?
Replies: 29
Views: 3206

Re: No Vanguard Admiral Funds; go with Fidelity for 50+ Year

Does the Vanguard Roth IRA allow for admiral shares? You can roll an Individual Roth 401k into a ROTH IRA. Why would you opt to roll the traditional I401k into a SEP instead of a traditional IRA? Does the traditional IRA not allow for admiral shares? Or do you just want fewer accounts. I could see ...
by Jb526
Sun Feb 22, 2015 1:00 pm
Forum: Personal Investments
Topic: No Vanguard Admiral Funds; go with Fidelity for 50+ Years?
Replies: 29
Views: 3206

Re: No Vanguard Admiral Funds; go with Fidelity for 50+ Year

You can't have a SEP and an Individual 401(k) active at the same time. I know this affects contributions, but not sure what effect it has on rollovers. You should be able to move the funds into a Rollover IRA though. It still baffles my mind that Vanguard doesn't offer admiral class funds in its In...
by Jb526
Sun Feb 22, 2015 12:50 pm
Forum: Personal Investments
Topic: No Vanguard Admiral Funds; go with Fidelity for 50+ Years?
Replies: 29
Views: 3206

Re: No Vanguard Admiral Funds; go with Fidelity for 50+ Year

Does the Vanguard Roth IRA allow for admiral shares? You can roll an Individual Roth 401k into a ROTH IRA. Why would you opt to roll the traditional I401k into a SEP instead of a traditional IRA? Does the traditional IRA not allow for admiral shares? Or do you just want fewer accounts. I could see ...
by Jb526
Sat Feb 21, 2015 11:12 pm
Forum: Personal Investments
Topic: No Vanguard Admiral Funds; go with Fidelity for 50+ Years?
Replies: 29
Views: 3206

Re: No Vanguard Admiral Funds; go with Fidelity for 50+ Year

Since it's a 401k, you'd have to move the entire plan to Fidelity. You can't rollover from the 401k to an IRA at Vanguard, as you suggested (unless I misunderstood) because you're still employed with the sponsor of your 401k. I think you did understand correctly. But I was hoping to remain at Vangu...
by Jb526
Sat Feb 21, 2015 8:26 pm
Forum: Personal Investments
Topic: No Vanguard Admiral Funds; go with Fidelity for 50+ Years?
Replies: 29
Views: 3206

Re: No Vanguard Admiral Funds; go with Fidelity for 50+ Year

Sure. It is a Vanguard Individual 401(k). I also have a Vanguard Roth I401(k) option added on, but its balance significantly smaller. It still suffers from the inability to invest in Admiral shares, however. And regarding Fidelity: I am not a current Fidelity client, so I have no idea what to expect...