Search found 189 matches

by Silverado
Mon Nov 12, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 1945

Re: Global Entry Turnaround Time ?

Just had my interview last week. Took four weeks to get conditionally approved.
by Silverado
Mon Nov 05, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: USAA credit card
Replies: 22
Views: 1685

Re: USAA credit card

Mine does

I clearly misunderstood exactly what OP was asking. Ignore me, see below!
by Silverado
Sun Nov 04, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4107

Re: Mice

BobTexas wrote:
Sun Nov 04, 2018 7:22 pm
Agree with using the victory traps with peanut butter. I like to put them on a piece of newspaper so that when it catches a mouse I just pick up the paper. I also keep putting out traps until I don’t catch any more mice
Are you saying you don't reuse traps?
by Silverado
Sat Nov 03, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 66
Views: 4843

Re: Engineering school

Rose-Hulman Institute of Technology is an absolutely fantastic school. The biggest downsides are expenses and a heavy workload, but you'll get a best-in-class education there. Oh, also, it's an engineering-only school and has the gender ratio you'd expect (roughly 3 men for every woman), so if you'...
by Silverado
Sat Nov 03, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5015

Re: Are Bond Funds Really a Good Investment Now?

As a long-term investor I have always used the I-T bond index fund as a diversifier that helps tamp-down the volatility of my accounts. Good investment? You bet. +1 I don't think anything is a good investment 'now', but I am confident that a mix at my chosen AA will be a good investment over the co...
by Silverado
Sat Nov 03, 2018 5:58 am
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 66
Views: 4843

Re: Engineering school

Rose-Hulman Institute of Technology is an absolutely fantastic school. The biggest downsides are expenses and a heavy workload, but you'll get a best-in-class education there. Oh, also, it's an engineering-only school and has the gender ratio you'd expect (roughly 3 men for every woman), so if you'...
by Silverado
Fri Nov 02, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Dangers of VTSAX? (Unrealized Appreciation)
Replies: 26
Views: 4687

Re: Dangers of VTSAX? (Unrealized Appreciation)

https://www.bogleheads.org/forum/viewtopic.php?t=178425 https://www.bogleheads.org/forum/viewtopic.php?t=192219 It seems we have been concerned before. Thanks for the response Dave. It appears I don't know enough to fully articulate the question / scenario well enough, or for sure don't know I'm ta...
by Silverado
Fri Nov 02, 2018 5:11 am
Forum: Investing - Theory, News & General
Topic: Dangers of VTSAX? (Unrealized Appreciation)
Replies: 26
Views: 4687

Re: Dangers of VTSAX? (Unrealized Appreciation)

David, This is not correct. The fund must sell $1B in stocks, causing some of the gain to be realized; the remaining investor would pay tax on the realized gain. It probably wouldn't be half the value since stocks had been bought at different prices. I'm not sure we are communicating. Let me make t...
by Silverado
Thu Nov 01, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5216

Re: People with older car, share your unusual repairs

2003 Civic. 139K miles. Had to get a engine mount bracket replaced. Easy stuff: I replaced the radiator fan a while back as well as the thermostat Harder stuff: The fan for the A/C condenser is dead. Unlike the radiator fan next door, all youtube videos show that the deed involves removing the fron...
by Silverado
Wed Oct 31, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4662

Re: Am I Risking My Life to Sell My Car?

The tire will probably not blow up on 30 mi drive, and if it does, it will not be an explosion, the car will simply start leaning to one side and you'll just pull over and call towing. The risk is very small IMO, I would not hesitate to drive. This my opinion as well, similar to a couple others abo...
by Silverado
Wed Oct 31, 2018 5:07 am
Forum: Personal Finance (Not Investing)
Topic: "Do you have any questions for the interview panel?" Suggestions.
Replies: 14
Views: 1239

Re: "Do you have any questions for the interview panel?" Suggestions.

I put a lot weight on this part is of the interview as it is a chance for the candidate to demonstrate to me that they have prepped for the interview. When it is an internal candidate (about 75% of what I hire) then I am looking for what they know about the job and the interviewers. When I prep peop...
by Silverado
Sat Oct 27, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7161

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

identity theft and check book fraud (assuming you leave your checkbook in glove box) We never leave a checkbook in the glove box, and have never even thought of doing that. Nor do we leave any other identifying documents there. You keep registration and insurance on your person? We have no set rule...
by Silverado
Sat Oct 20, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16840

Re: Where would you go for financial guidance if you win the Megamillions?

15+ years ago my coworker won large (>100MM)... didn't change the name... probably no one really knows (nor still remembers) they won.. this country moves on quick... (they did not even try to conceal it by claiming anonymously).. seems to have worked out for them but they were smart and down to ea...
by Silverado
Sat Oct 20, 2018 5:34 am
Forum: Personal Consumer Issues
Topic: Morning/Nighttime Stretching Routine
Replies: 11
Views: 1363

Re: Morning/Nighttime Stretching Routine

44 y/o here. Primarily a runner. I do not have a disciplined routine, but I recognize how beneficial it would be. I try to take a few minutes in the morning not long after I get up to do a few things, mostly focused on the back. Just some trunk rotation type things. I am 100% a desk jockey at work, ...
by Silverado
Thu Oct 18, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Masters Degree Advice
Replies: 25
Views: 2496

Re: Masters Degree Advice

I did undergrad (Mechanical), Army, grad school (Mechanical masters) and have not really sensed a tangible difference in 20 years for me. However, for sure starting salaries are 5% or so higher. I mainly went to grad school to be able to get a technical job after being five years removed from engine...
by Silverado
Thu Oct 04, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 8017

Re: Key differences between investing philosophies: Swedroe vs. Bogle

Wow, some pretty deep thought out responses in this thread. Several way past me. My view is simple. Larry is trying to sell people something to make money, period. Jack hasn't had to sell anything in a long time, and simply preaches philosophy. Larry=salesman, selfish (though does share a lot of tho...
by Silverado
Thu Oct 04, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Fall Foliage
Replies: 29
Views: 2332

Re: Fall Foliage

North Georgia was always spectacular. Maybe 90 minutes from ATL. Lots of places to see good foliage.
by Silverado
Sat Sep 22, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Need 401k Portfolio asset allocation recommendations - 35yo with 200k.
Replies: 9
Views: 1020

Re: Need 401k Portfolio asset allocation recommendations - 35yo with 200k.

+1 to what Compound said. You have some good, low cost, choices and will come looking good in a couple decades. Three fund, maybe rebalance twice a year (max), and ignore it otherwise. if you are already maxing your 401k, don't forget to add a taxable account and stash a minimum of half of any raise...
by Silverado
Sat Sep 22, 2018 6:53 am
Forum: Investing - Help with Personal Investments
Topic: New job. Need help adding funds to my new 401k
Replies: 13
Views: 861

Re: New job. Need help adding funds to my new 401k

I just started a new job and the types of funds that are available to me don't seem to fit nicely into the simple portfolio I've built. You have an expensive 401k plan with complicated options. The least worst options appear to be: Vanguard Growth Index Fund 0.65% Vanguard Small Cap Value Index 0.6...
by Silverado
Fri Sep 21, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 356
Views: 39221

Re: U.S. stocks continue to soar!

I seem to be missing whatever gene causes people to enjoy seeing their international equity holdings performing poorly. I imagine that most of us, myself included, don't even look. I just keep throwing money into my Vanguard Target Retirement Fund. I know the Dow Jones is at an all-time high again,...
by Silverado
Thu Sep 20, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Android podcast app that remembers where you are in podcast?
Replies: 15
Views: 655

Re: Android podcast app that remembers where you are in podcast?

Pocketcasts has been my go-to for years. Certainly remembers where you stopped and has 10 sec reverse and 30 sec forward controls. +1 Another reason why I selected it is that it is cross platform. I can start listening to a podcast on my iPad and then go for a walk and continue it on my Android pho...
by Silverado
Thu Sep 20, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8824

Re: Physical Banking - Any benefits anymore?

The medallion signature guarantee is the big one. The need for one pops up unexpectedly, and often rather urgently. ...I opened an account at local banks twice solely for Medallion service... That's interesting. How long did you have to have the account before they would give you the medallion sign...
by Silverado
Wed Sep 19, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8824

Re: Physical Banking - Any benefits anymore?

RudyS wrote:
Wed Sep 19, 2018 8:40 pm
Medallion Guarantee, safe deposit box. My local B&M bank has had my account for over 50 years now.
I opened an account at local banks twice solely for Medallion service. Have been otherwise with USAA for 25 years and have never once been to a branch.
by Silverado
Wed Sep 19, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25519

Re: What is your single most expensive mistake?

When I was mid-twenties I wasn't making much or had much saved yet, so I couldn't waste money on a boat. But I was able to scrimp together enough for a snowmobile. I was at least in Watertown, NY ( 25 miles from Canada, 15 from the Artic Circle is how we described it I believe) so at least got some ...
by Silverado
Sun Sep 16, 2018 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13138

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I am curious about the pension. You said you would 'lose' it if you leave. You aren't already vested in some amount after 25 years? What would happen if you simply dialed back the hours? Walk out the door after nine or ten hours. Spend time with the kids on the weekend. In general, based on the info...
by Silverado
Sat Sep 15, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11571

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

I know we all respect and value Taylor for his service to the country and us, but I will point out a small issue with his experience. He waited until he was FI to blow the whistle. I do not blame him, and would likely do the same. However, the truly noble way is to blow and blow loudly the first ins...
by Silverado
Tue Sep 11, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2983

Re: Going off-track of asset allocation due to high savings rate

The point isn't if your AA is reasonable, that's up to you to decide. The issue is you aren't willing to follow an IPS. That might work out fine, or it might not. What will you do if a bear comes along and starts attacking your portfolio? Wing it? Or follow your IPS? Just put new money in according...
by Silverado
Sun Sep 09, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Run Air Conditioner even if not needed?
Replies: 30
Views: 3053

Re: Run Air Conditioner even if not needed?

But yep, run it every other day for an hour to keep the coolant flowing and the motors from atrophying. +1 Running the system for a few minutes (10-15 is likely enough) at least every 3-4 weeks would definitely prolong the expected life of the unit. I'd say at 40, it is already past expected life.
by Silverado
Tue Sep 04, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: I hit the magic side hustle milestone in August
Replies: 19
Views: 4935

Re: I hit the magic side hustle milestone in August

Can't help with the taxes, but just want to say congratulations, that is awesome.
by Silverado
Sun Jul 01, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10440

Re: What’s your plan for a market downturn?

My husband and I have always been heavily into stocks, probably about 90% stocks in 2008. We kept buying stocks in 2009. At 12/31/2014 we were 80% stocks, 20% bonds and cash. When my husband retired mid-2016, we shifted to 40% stocks, 60% bonds and cash. I'll probably stay with that percentage for ...
by Silverado
Sun Jun 17, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1355

Re: Vanguard admiral shares

livesoft wrote:
Sun Jun 17, 2018 2:54 pm
neilpilot wrote:
Sun Jun 17, 2018 2:47 pm
Does it explain how my calculations are incorrect?
I never wrote that your calculations are incorrect.
Neilpilot just needs to read and think a little more. Your latest edit should do it.
by Silverado
Thu Jun 14, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17662

Re: Should I take possession of a certified mail?

There must be a similar dynamic here. If you don't drive down to the post office, stand line, collect the letter--guess what, nobody is going to come to your house and arrest you. You will not lose your court case. You will not be admonished. Nothing will happen. The only thing--you won't know what...
by Silverado
Thu Jun 07, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Healdsburg, CA - Chalk Hill Road Question
Replies: 5
Views: 709

Re: Healdsburg, CA - Chalk Hill Road Question

Really depends on exactly where, you could go from the north or south. If I was getting a good deal I may consider it. But we normally stay in Windsor, just five minutes from H'burg. Chalk Hill is a little remote and not straight.
by Silverado
Tue Jun 05, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Water Heaters
Replies: 27
Views: 2350

Re: Water Heaters

An anode replacement is much less expensive than replacing the entire unit. If you are handy, you might be able to do it yourself. However, anode replacement is preventative. If you wait for the tank to fail, then it is too late. Unfortunately in my area the vast majority of water heaters and furna...
by Silverado
Tue Jun 05, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help, Huge Decision
Replies: 26
Views: 4526

Re: Please Help, Huge Decision

I'm curiuos about the Roth account. What does capped mean? If you put $5500 in it at some point this year, it is now something different. Could be higher, could be lower depends. Depending on the overall value of the 403b, i would also go 100% to VTSAX and let it ride. 10 years is a decent amount of...
by Silverado
Mon Jun 04, 2018 5:36 am
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 8221

Re: What is your Take Home Pay / Gross Pay ratio?

Because I don't make all that much money, my wife makes no money, I have 3 kids to feed, and I need the money to spend on things. I'm also in the process of building Emergency Fund up to 1 year due to unstable work. And I'm considering buying a rental property which will require downpayment and int...
by Silverado
Mon Jun 04, 2018 5:25 am
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5360

Re: Help - investor starting later in life

Thank you everyone for your inputs. I have made edits to my original post showing my 401K allocation (currently in a 2045 Retirement Fund. Am I stuck with renting for the long haul and staying out of REITs , while increasing my savings and investments, and eventually moving to a LCOL area where I c...
by Silverado
Sat Jun 02, 2018 5:53 am
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 5428

Re: 125K Spend - Would you do this ?

I am trying to understand how any of these ideas are going to help you? For sure getting the spouse better sleep is a high priority, but what do you need for your sleep? I haven't seen what you features will specifically help you. As mentioned above, do you just need some space to flip and flop with...
by Silverado
Sat Jun 02, 2018 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Milestones on the way to FI [Financial Independence]
Replies: 33
Views: 4607

Re: Milestones on the way to FI

My milestones were as follows: 1) Net worth > 1 million including home equity/real estate 2) Net worth > 1 million excluding home equity/real estate 3) > 1 million in tax deferred accounts 4) > 1 million in taxable accounts I find it helpful to have mini milestones to reach for along the way to fin...
by Silverado
Wed May 23, 2018 4:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 58552

Re: Post your Financial Milestone Announcements Here

With Friday's paycheck I crossed over $100k. $70k in retirement accounts and $30k in savings (emergency fund + house down payment). Age 27. I am very grateful for finding this website. Thanks to all who post :sharebeer That is a pretty darn good start for someone of your age! I can honestly say I d...
by Silverado
Tue May 15, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Large Personal Injury Settlement
Replies: 58
Views: 5803

Re: Large Personal Injury Settlement

I had edited my post with two. Front loaded fees or 12b-1 fees? Do you have the rights to trade within the account or will they have full access to do the trading without your consent? How many funds will they put you in? Red flag if they are going to put you in a lot of funds/stocks. Termination f...
by Silverado
Sun May 13, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 9546

Re: Bucket List Adventures/Activities

tennisplyr wrote:
Thu May 10, 2018 7:18 am
Learn how to paint
Learn how to play an instrument
Learn a new language
Volunteer at a pet shelter
Do a meals-on-wheels program
Any volunteer work helping others
Smiling at everyone you meet :happy
Glad to see one that's not just travel. Work that brain!
by Silverado
Fri Apr 20, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Moving my Roth IRA from T Rowe to Vanguard?
Replies: 18
Views: 1713

Re: Moving my Roth IRA from T Rowe to Vanguard?

Small update for my tranfer. Turns out, for IRA accounts, no medallion guarantee was needed. Of course I was having trouble getting one, so just called TRP and a nice CSR told me the deal. Sent the forms in and a short four days later the transfer seems done. I did a transfer in kind so still have t...
by Silverado
Tue Apr 10, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 7133

Re: Owners Title Insurance - Super Heavy Handed Pitch

We have always just paid for it, fully knowing it is part of what is essentially a scam. Everyone gets their cut. It perpetuates because the seller gets a check and the buyer gets keys (for existing home). Analogous to the metoo situation, for way too long we have simply taken it, and getting it und...
by Silverado
Sat Apr 07, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 240
Views: 19500

Re: Swedroe: Look Beyond 60/40 Portfolio

Larry Swedroe makes the statement that: The bottom line is that investors should be aware that traditional 60/40 portfolios cannot be expected to provide anywhere near the level of returns experienced over the last 36 years. That likely requires action, or retirement plans will not be achieved. On ...
by Silverado
Thu Apr 05, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Large Single Stock Position - Can't Sell - Retirement Account
Replies: 45
Views: 3763

Re: Large Single Stock Position - Cant Sell - Retirement Account

I say just ignoring it is a workable method. Peek in twenty years and see what happened.
by Silverado
Thu Mar 29, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: help with support for shoes
Replies: 6
Views: 717

Re: help with support for shoes

Spenco full and half inserts for me. 16 years. Both original pairs still in use. Mostly arch support.
by Silverado
Wed Mar 28, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: How many are using Automatic contributions?
Replies: 41
Views: 3374

Re: How many are using Automatic contributions?

Since 1994 i have been making auto contributions. The firm has changed and the amount has increased, but every month without concern. 1994 $167 per month into high load, high fee, low performance uspa-ira IRA. At least i got started. 1998 $167 and $100 to an active small company fund from Berger 200...
by Silverado
Mon Mar 26, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expense Caught Up To Income
Replies: 48
Views: 7645

Re: Living Expense Caught Up To Income

Okay. So again, what advice are you looking for? The house is likely to be a similar monthly expense to your rent... maybe even less. The house isn't what will make things feel tight. The other things that are making things feel tight are keepers and not going to change. And, you don't want to try ...
by Silverado
Sun Mar 25, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Moving my Roth IRA from T Rowe to Vanguard?
Replies: 18
Views: 1713

Re: Moving my Roth IRA from T Rowe to Vanguard?

peterwantstosave wrote:
Sun Mar 25, 2018 8:01 am
FWIW, I did this all online (didn't pick up the phone or get any physical signatures) and it was complete in about a month. Could not be simpler. I like having everything at VG.
Interesting, Vanguard told me to print out forms and physically sign and send. Including getting the medallion.