Search found 369 matches

by Silverado
Thu Sep 24, 2020 7:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Account Upgrade and Dividend Reinvestment
Replies: 14
Views: 1694

Re: Vanguard Account Upgrade and Dividend Reinvestment

It may be an upgrade for Vanguard, but from what I have read here, it is an update for account holders. I find this to be an important distinction. I do hate most software updates because they tend to undo my carefully crafted settings. I appreciated the wash sale basis discussion. Different angle t...
by Silverado
Tue Sep 22, 2020 9:29 am
Forum: Personal Investments
Topic: Portfolio help - Losing Money with Index Funds
Replies: 45
Views: 4379

Re: Portfolio help - Losing Money with Index Funds

[Moved into a new thread from: Losing Money with Index Funds --admin LadyGeek] Emergency funds: 6 months covered Debt: $150,000 mortgage at 2.7% interest rate, 15 yr fixed Tax Filing Status: married filing jointly Tax Rate: 24% Federal, 6% state State of Residence:Fl Age: 37 Desired Asset allocatio...
by Silverado
Sat Sep 19, 2020 6:17 pm
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13691

Re: Losing Money with Index Funds

I am curious, what was the biggest amount of money you ever lost with investing in index funds? And how did you get through it? :shock: Ignore the people who say you don't lose until you sell. If you have $500,000 in a stock index fund, and it drops 50%, you have actually lost $250,000. And it's ha...
by Silverado
Wed Sep 16, 2020 6:53 pm
Forum: Investing - Theory, News & General
Topic: Can VTSAX accidentally sell all its stock holdings?
Replies: 47
Views: 3798

Re: Can VTSAX accidentally sell all its stock holdings?

It’s hard to read this thread because of the idiot comments that make up the majority of the responses. We should be more professional. It’s an interesting question. Sounds like the sheer size will cause it not happen as the authorities would quickly step in. Thanks to those who posted real responses.
by Silverado
Mon Sep 14, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Optimal HVAC Size
Replies: 44
Views: 2708

Re: Optimal HVAC Size

So, have you talked to someone who complained their unit was too large? What was the complaint? Swollen doors? Big bills? I'm 87% sure my outside unit is too large, although there's a 13% it's just simply poor ducting. My partially finished basement and first floor are on the same unit, and I can't...
by Silverado
Sun Sep 13, 2020 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: what is your side job and income?
Replies: 87
Views: 10477

Re: what is your side job and income?

Some folks at work have lawn / snow as a side. Wage employees, out at 3 which really helps during grass season. Not sure how they do the snow work.
by Silverado
Sun Sep 13, 2020 6:32 pm
Forum: Personal Consumer Issues
Topic: Optimal HVAC Size
Replies: 44
Views: 2708

Re: Optimal HVAC Size

Mine and my neighbors experience has been that many HVAC companies tend to oversize furnace and AC units. Maybe because they can make more profit from the larger units and the customer is less likely to complain about having enough heating or cooling. Over sizing is not a good thing. If your curren...
by Silverado
Thu Sep 10, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 11576

Re: Should we buy a $3M+ house with parental help?

gubernaculum wrote: Thu Sep 10, 2020 8:08 pm
Who wants to live in Iowa???
It’s not all bad.....if you give me a day I’ll come up with something decent. Floods, derechos, what’s not to love? And we still have winter to look forward to.
by Silverado
Wed Sep 09, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: New round of VRP (early retirement offer) pending at megacorp
Replies: 9
Views: 1432

Re: New round of VRP (early retirement offer) pending at megacorp

Are you sure about your expenses? If you have 'very good paying jobs' it seems like your assets are a bit low. I’d double check and be really honest with yourselves about what’s going out. If the numbers still check out, then it seems you could swing it, especially since you seem open to work still ...
by Silverado
Wed Sep 09, 2020 11:18 am
Forum: Personal Investments
Topic: Am I doing it right? [Portfolio Review]
Replies: 3
Views: 393

Re: Am I doing it right? [Portfolio Review]

If you really want to FIRE, I’d cut back spending. Maybe not what must have been sub $40k two years ago, but if you ballooned to $120k, it seems like there could be danger of continuing lifestyle creep. I’d keep a real close eye on that.
by Silverado
Tue Sep 01, 2020 7:15 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 15034

Re: What is your age and asset allocation ?

49/43 couple, we are around 83 stocks / 17 bonds. Target is closer to 80/20 and once some dust settles at work for both of us at work and we know what the next couple years look like, we will start a glide towards 60/40. We have a so-so pension that will come close to covering half expenses if we wa...
by Silverado
Sun Aug 30, 2020 5:30 pm
Forum: Personal Investments
Topic: Looking for advice
Replies: 21
Views: 1629

Re: Looking for advice

Not clear if your advisor is looking to move things around only in your 105k taxable account. If yes, please make sure this is AFTER incorporating your other investments. One other point is that you could check the fees (expense ratios) applicable to your existing fund investments. Good luck! Thank...
by Silverado
Thu Aug 27, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: Garage shelves?
Replies: 29
Views: 2460

Re: Garage shelves?

I buy kitchen cabinets from Ikea and hang those on the walls. They can hold quite a bit, and they keep most dirt and dust off of your stuff. If you're not sure aboutt doing this yourself, Ikea has a very nice system for installing them, so anybody should be able to do this. I am able to do it all b...
by Silverado
Thu Aug 27, 2020 5:32 pm
Forum: Personal Investments
Topic: Who is liable for this?
Replies: 46
Views: 6320

Re: Who is liable for this?

David Jay wrote: Thu Aug 27, 2020 4:58 pm
Silverado wrote: Thu Aug 27, 2020 4:35 pm ...was hoping someone would agree a computer is dumb.
Nothing is faster or dumber than a computer.
You don’t know my wit...

But yeah, you got me, incorrect usage of 'dumb'.
by Silverado
Thu Aug 27, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: safely selling used portable generators
Replies: 24
Views: 1126

Re: safely selling used portable generators

People are missing my point, which means I am not making it clearly enough - this is not about the as-is of the generators, it's about the person not being able to come back and sue me because they *claim* they had no idea a generator could suffocate their entire family if they ran it overnight in ...
by Silverado
Thu Aug 27, 2020 4:35 pm
Forum: Personal Investments
Topic: Who is liable for this?
Replies: 46
Views: 6320

Re: Who is liable for this?

Sorry this happened to you but you are completely liable. Sounds like a relatively cheap lesson... It wasn't a cheap lesson. The market has moved 2.5% since then and I lost $250. Not a cheap lesson? Want to know what an expensive lesson is? Maintaining an AUM account with Edward Jones for years. Th...
by Silverado
Thu Aug 27, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Maintenance and Repair of HVAC, Water Heaters, etc
Replies: 28
Views: 2455

Re: Maintenance and Repair of HVAC, Water Heaters, etc

Re hose the AC units, doesn't rain take care of that? Rain ( unless in last night’s hurricane) won’t clean the fins. Need a horizontal spray, preferably inside out. Take a look at the fins, especially the on the side facing the house. They get pretty dirty and this impacts efficiency, though it is ...
by Silverado
Tue Aug 25, 2020 5:20 pm
Forum: Investing - Theory, News & General
Topic: A Beater Truck and a FAT 401k...
Replies: 104
Views: 10285

Re: A Beater Truck and a FAT 401k...

I'm in my later 50s, and have owned 5 vehicles in my life. Small pickup, 2 VWs from the 60s, smaller SUV and currently a mid size pickup. Bought from used car dealers, side of the road with "4 sale" sign, and friend of a friend. Total spent to purchase all 5 is about $30,000. Lived in the same hous...
by Silverado
Sat Aug 22, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Best Earbuds with Microphone
Replies: 40
Views: 2363

Re: Best Earbuds with Microphone

I have been using wire earbuds with microphone for years for work and never had an issue. Yes, there are times they get tangled up if I am walking around but for the most part are very good. These generally last for months if not a year and I will pickup a couple of different sets - Skull Candy com...
by Silverado
Sat Aug 22, 2020 7:13 am
Forum: Personal Investments
Topic: Should I get a financial planner (fiduciary)?
Replies: 33
Views: 1762

Re: Should I get a financial planner (fiduciary)?

If you attempt to retort against Jack, I’ll assume you are trolling us for kicks.

If you are legit, please don’t fall for the sales pitch.
by Silverado
Wed Aug 19, 2020 7:19 pm
Forum: Personal Consumer Issues
Topic: How to Get Rid of an Old Car
Replies: 40
Views: 3524

Re: How to Get Rid of an Old Car

Interesting data point, thanks for the follow up post.

These posters need to start reading before posting 'donate, etc'. The car is gone folks.
by Silverado
Wed Aug 19, 2020 6:10 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1771

Re: Over-allocated (70%) to well performing company stock

Summary - when/how/if to reduce my tax-able over-allocated position in DOCU (which is currently spiking in value) ? Details: I have ~2,500 shares of DOCU stock from previous employment there. I have no future grants of this stock coming. This is about 70% of my stock/bond/cash assets (not including...
by Silverado
Wed Aug 19, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: Anyone noticed La-Z-Boy quality has declined?
Replies: 31
Views: 2750

Re: Anyone noticed La-Z-Boy quality has declined?

Well, yeah, why wouldn’t it decline? Nothing gets better. I’ve worked in product develop twenty years and for something like a chair, it is going to be about making it cheaper*. Of course you’ll see a few positives as new materials and some manufacturing techniques make things better, but on balance...
by Silverado
Mon Aug 17, 2020 6:28 pm
Forum: Investing - Theory, News & General
Topic: David Blanchette - Returns may be low for a long time
Replies: 21
Views: 1868

Re: David Blanchette - Returns may be low for a long time

Dottie57 wrote: Mon Aug 17, 2020 6:27 pm I am already prepared for low returns.
Yeah, this is the real key. Then reevaluate every decade and make adjustments as needed.
by Silverado
Mon Aug 17, 2020 6:26 pm
Forum: Investing - Theory, News & General
Topic: David Blanchette - Returns may be low for a long time
Replies: 21
Views: 1868

Re: David Blanchette - Returns may be low for a long time

Will do good wrote: Mon Aug 17, 2020 1:23 pm No, he's wrong.
+1
by Silverado
Mon Aug 17, 2020 6:25 pm
Forum: Investing - Theory, News & General
Topic: David Blanchette - Returns may be low for a long time
Replies: 21
Views: 1868

Re: David Blanchette - Returns may be low for a long time

Will do good wrote: Mon Aug 17, 2020 1:22 pm Yes, he's right.
+1
by Silverado
Mon Aug 17, 2020 6:24 pm
Forum: Investing - Theory, News & General
Topic: Tilting to International
Replies: 178
Views: 14372

Re: Tilting to International

Could be, could also not be.

No changes here, about 16% international (of equities, which are about 80%).
by Silverado
Mon Aug 17, 2020 9:00 am
Forum: Personal Investments
Topic: New to Investing Without a Financial Advisor
Replies: 10
Views: 806

Re: New to Investing Without a Financial Advisor

I just wanted to add a general comment. You are in good shape, and have some great low cost options in both 401k accounts. Strive for simplicity, get a workable plan, and put it on autopilot. I would maybe split the difference with the 'extra' cash. Put half in a Total Stock Index (e.g. VTSAX) and h...
by Silverado
Sun Aug 16, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 72
Views: 8901

Re: Comcast - lease modem/router or buy?

Has anyone had success just buying a compatible device ("wireless gateway") instead of leasing it for $10/month? Seems like you could buy a device for something like $70, which would save $50 if you were just staying for a year. Also, anyone done the self-installation kit ($15) instead of having a ...
by Silverado
Sat Aug 15, 2020 9:32 am
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9217

Re: Terrible experience with Ally bank- buyer beware

CardioMD wrote: Sat Aug 15, 2020 8:53 am This really makes me appreciate USAA.
Yeah, no kidding. Did two six figure wires this year, both received at other institution within a couple hours. Took ten minutes on the phone with USAA.
by Silverado
Thu Aug 13, 2020 5:43 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15597

Re: Products that last forever

Klein set of nut drivers for appliance repair. My dad had these in 1968 for repairing appliances (stoves, washers, dryers, etc). I used them to repair rental unit appliances and then in my shop ever since then till today. 52 years. j :D picture is a new set, not mine. +1 on snapping a pic of your s...
by Silverado
Thu Aug 13, 2020 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Tree section fell on my neighbor's property...who is liable
Replies: 56
Views: 5864

Re: Tree section fell on my neighbor's property...who is liable

My rule: if anything from my property ends up on someone else's property, I clean. +1 I have not been directly involved but I have seen minor neighborhood feuds where everybody lost. It sounds like it would just take a couple of hours to do it yourself or a couple of hundred dollars to pay a tree s...
by Silverado
Mon Aug 10, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: Looking for gas can that is easy fill / easy pour
Replies: 43
Views: 2653

Re: Looking for gas can that is easy fill / easy pour

Weird, I’ve been using a five gallon plastic can with the old faithful yellow vent and wide open flex spout for decades and have never had a single issue with it or the gas inside. I will be more careful with it now after reading this thread. Can’t believe I used to keep it in the back of the truck ...
by Silverado
Sun Aug 09, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: AMZN & AAPL - time to bail?
Replies: 167
Views: 14359

Re: AMZN & AAPL - time to bail?

Comparing GE and Exxon to Apple and Amazon simply does not make any sense. You and others are missing the human element and how these companies are so connected to a massive amount of people in ways GE and Exxon were not and never could be. Not sure I agree when it comes to Exxon. Petroleum product...
by Silverado
Sun Aug 09, 2020 7:37 am
Forum: Investing - Theory, News & General
Topic: Think no one can beat the index?
Replies: 158
Views: 15306

Re: Think no one can beat the index?

I’m taking any strategy that will generate me profit. The market is dynamic. Go look at my returns again; note I was outperforming the index even before the crash happened. There is no silver bullet that works 24/7 on any market condition. I believe that is a mental hinge you get really stuck on- y...
by Silverado
Sat Aug 08, 2020 5:57 pm
Forum: Investing - Theory, News & General
Topic: AMZN & AAPL - time to bail?
Replies: 167
Views: 14359

Re: AMZN & AAPL - time to bail?

No, hold
by Silverado
Sat Aug 08, 2020 5:56 pm
Forum: Investing - Theory, News & General
Topic: AMZN & AAPL - time to bail?
Replies: 167
Views: 14359

Re: AMZN & AAPL - time to bail?

Yes, bail
by Silverado
Sat Aug 08, 2020 5:10 pm
Forum: Investing - Theory, News & General
Topic: Think no one can beat the index?
Replies: 158
Views: 15306

Re: Think no one can beat the index?

I am not advocating for this I strongly believe in index investing and will continue to do so but this was given to me this week. https://www.capitalgroup.com/advisor/pdf/shareholder/MFGEBR-097-619801.pdf It is clearly sales propaganda for American funds but I would like some commentary on it. Doin...
by Silverado
Thu Aug 06, 2020 7:47 pm
Forum: Personal Consumer Issues
Topic: Tales of Uncanny Security Codes
Replies: 29
Views: 2214

Re: Tales of Uncanny Security Codes

Patterns have always fascinated me, that would be cool to receive. Heck, anytime I get repeated digits I notice it. My ATM PIN (number) is a repeated number, but split in the middle with it in hex. Been like that since about '91. Man was I a dork back then.
by Silverado
Thu Aug 06, 2020 7:41 pm
Forum: Investing - Theory, News & General
Topic: Carry on or Take your toys and go home ?
Replies: 102
Views: 9252

Re: Carry on or Take your toys and go home ?

jebmke wrote: Thu Aug 06, 2020 7:41 pm I’m home already.
I could tell because you weren’t wearing a mask.
by Silverado
Thu Aug 06, 2020 7:38 pm
Forum: Investing - Theory, News & General
Topic: Carry on or Take your toys and go home ?
Replies: 102
Views: 9252

Re: Carry on or Take your toys and go home ?

Ignore financial news, media frenzy, aura of chaos, and public anxiety. Stick to your IPS. j :happy I try very hard and feel that I am pretty successful at ignoring all the talking heads on TV, but how do you ignore the facts of rising dysfunction in Washington , rising Covid, ever rising debt and ...
by Silverado
Thu Aug 06, 2020 7:27 pm
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 142
Views: 16770

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

bck63 wrote: Thu Aug 06, 2020 7:21 pm Absolutely. Get rid of it. And wipe the dust off your feet as you leave.
Are you just baiting us to see who can read dates?
by Silverado
Thu Aug 06, 2020 7:23 pm
Forum: Investing - Theory, News & General
Topic: Carry on or Take your toys and go home ?
Replies: 102
Views: 9252

Re: Carry on or Take your toys and go home ?

Nasdaq at all time highs by far, S&P within 2% of all time highs, but COVID also at all time highs and growing... something has to give is the feeling that I get and I am sure a lot of people are feeling that. If you have come close or crossed your previous portfolio high and/or reached or are clos...
by Silverado
Wed Aug 05, 2020 12:22 pm
Forum: Personal Investments
Topic: What to do with pre-bogleheads taxable investment account
Replies: 17
Views: 1581

Re: What to do with pre-bogleheads taxable investment account

I didn’t see specifically what the taxable account contains. If you have any high ER funds, for sure turn off reinvesting and funnel and distributions to lower cost. I had a couple moderate ER funds left after getting smarter about fees. One I was able sell during the 2018 drop late in the year. The...
by Silverado
Wed Aug 05, 2020 12:04 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21489

Re: Anyone else hoarding cash right now?

Yeah, I did the same, though I sold everything but my 401k before the March crash happened (and I've continued adding to it) so I didn't lose out quite as much as I would have if I sold after. I keep thinking it seems to be a near certainty that there will be another large dip, similar to March, an...
by Silverado
Wed Aug 05, 2020 8:18 am
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21489

Re: Anyone else hoarding cash right now?

I stopped investing in my taxable back in March and can't bring myself to start again. I'm still investing automatically in my 401k. I'm just holding onto my cash in case of a worst case scenario if society collapses and I need liquid funds. I don't mean the case where you'd have to live in a bunke...
by Silverado
Wed Aug 05, 2020 8:14 am
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21489

Re: Anyone else hoarding cash right now?

I stopped investing in my taxable back in March and can't bring myself to start again. I'm still investing automatically in my 401k. I'm just holding onto my cash in case of a worst case scenario if society collapses and I need liquid funds. I don't mean the case where you'd have to live in a bunke...
by Silverado
Tue Aug 04, 2020 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: [401(k) provider changed funds without permission]
Replies: 16
Views: 794

Re: Schwab lost me thousands ... mostly venting, wondering if any recourse?

inlalaland01 wrote: Tue Aug 04, 2020 5:34 pm This literally just happened to me this past week! Albeit, with a different custodian. I think financial advisor firms are getting more aggressive because they have less business. No more "set it and forget it"!
Care to provide some details?
by Silverado
Sun Aug 02, 2020 8:05 pm
Forum: Personal Investments
Topic: What bonds in taxable
Replies: 12
Views: 1078

Re: What bonds in taxable

Trader Joe wrote: Sun Aug 02, 2020 8:02 pm "What bonds in taxable"

Ideally, none.
Thus the question I assume. We may get there, but likely never will be forced to figure this out.