Search found 203 matches

by Silverado
Sat Jan 19, 2019 12:25 pm
Forum: Investing - Theory, News & General
Topic: IRS Form 8606
Replies: 14
Views: 1296

Re: IRS Form 8606

Bogleheads - How many folks complete this form every year? I was under the impression that this form was for: * Non Deductible Traditional IRA contributions * Traditional IRA conversions to a Roth IRA * Roth IRA distributions My question is: Can this form be filed mach year to track basis from a Tr...
by Silverado
Sun Jan 13, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Guidance requested
Replies: 9
Views: 1006

Re: Guidance requested

It doesn't seem like you have maintained your current savings rate very long given the combined 21 years working and somewhat low portfolio for your target. Likely spent most of those early years either not making as much as now or not saving much. I would focus on maxing out everything in tax advan...
by Silverado
Sun Jan 13, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Preventative home & auto checks
Replies: 30
Views: 2193

Re: Preventative home & auto checks

Home water pressure check. I have a water pressure testing gauge that attaches to an outside faucet. I check the pressure every 6 months (I'm looking for about 60 PSI). Pressure regulators have a finite life (maybe 10 years), and when they fail, you get full street pressure. The street pressure whe...
by Silverado
Sun Jan 13, 2019 7:38 am
Forum: Investing - Help with Personal Investments
Topic: How to invest 5k monthly
Replies: 25
Views: 2541

Re: How to invest 5k monthly

We do $5k into taxable every month. Since our credit card is paid towards the end, and we are paid twice a month, I set up the transfer for the 5th. That way the investment comes out of the first checks, then the cc balance out of second checks. And I chose the 5th specifically for no real reason. A...
by Silverado
Thu Jan 03, 2019 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Ever wonder if you are saving Too Much?
Replies: 67
Views: 5286

Re: Ever wonder if you are saving Too Much?

FOGU wrote:
Thu Jan 03, 2019 6:30 pm
I'm not sure I get the implied direct correlation between spending money and enjoying life.
+1

Most of my enjoyment comes from a couple hundred dollars of stuff.
by Silverado
Wed Jan 02, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8300

Re: Your ideal home size

ArmchairArchitect wrote:
Tue Jan 01, 2019 10:39 pm
Pro-tip: it's all about home features, amenities, and architecture rather than size.
Yes. We have ended up with a larger than needed house to get kitchen and garage we want. We move every few years, not worth it to modify or build.
by Silverado
Tue Jan 01, 2019 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19447

Re: I made a mistake by not selling when the market was high this year

One more time. I started year with $161K and ended with $165K. Also, I had put 10K into savings (safe) side. How do I calculate my loss in the simplest way? Am I left with minus -6K or plus +4K? Please explain to me like I’m eight. Thanks. I know how I do it, +4k. But I am a private firm and answer...
by Silverado
Sun Dec 30, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Am I retirement ready?
Replies: 51
Views: 4892

Re: Am I retirement ready?

I'm a little curious about the low level of investment assets given income, age and 100% for years. We have half the income, two thirds the number of years, and the same investment value.

If you are confident with the spending level, I'd go for sure.
by Silverado
Sun Dec 16, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: Was Eliminating Investor Class Shares a Mistake?
Replies: 16
Views: 2691

Re: Was Eliminating Investor Class Shares a Mistake?

tibbitts wrote:
Sat Dec 15, 2018 11:50 pm
I'm guessing Vanguard thought through all the considerations you're mentioning before deciding which path to take.
Likely, but no reason they would make the best choice for investors. Heck, even the right choice for Vanguard would be a stretch based on my 20 years in corporate America.
by Silverado
Sat Dec 15, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: Why did Fidelity Extended Market Fund (FSMAX) drop 6.75% yesterday?
Replies: 5
Views: 1575

Re: Why did Fidelity Extended Market Fund (FSMAX) drop 6.75% yesterday?

There was a dividend and a capital gain distribution. https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/315911743 This fund is completely unsuitable for a taxable account. It has a long history of capital gains distributions. Yeah, I hold prscx, TRP science and tech, in taxable. Stupid...
by Silverado
Fri Dec 14, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead. Need some help please
Replies: 20
Views: 1367

Re: New Bogglehead. Need some help please

For sure I would sell all those with losses immediately, and also the ones with small gains. And turn off automatic reinvestment for the last. Good time to get out those high cost funds. I'd be really tempted, depending on tax situation, to bite the bullet and sell it all. I say that, but am sitting...
by Silverado
Sun Dec 09, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: What can I be doing better?
Replies: 12
Views: 978

Re: What can I be doing better?

What are your expected expenses in retirement? You seem to be in great shape, but it depends on expenses.

I would simplify a bit, holding only one fund in each separate account where possible. Turn off automatic reinvesting in taxable.
by Silverado
Sat Dec 08, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12080

Re: 20M Inheritance - What is best option for small/no risk on principal?

Why all this talk? Should it be any different for 20 million than for 20k? Following the BH philosophy with asset allocation, stock/bond, and stay the course, plus the usual 20-30 year time frame and that the market always returns positive over time on the average with index funds, why is this any ...
by Silverado
Mon Nov 12, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2155

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: 1749

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: 4200

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: 83
Views: 7135

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: 5214

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: 83
Views: 7135

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: 4791

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: 4791

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: 5367

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: 4742

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: 1331

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: 7282

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: 17155

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: 1406

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: 2521

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: 8366

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: 2403

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: 1045

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: 888

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: 556
Views: 60944

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: 678

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: 142
Views: 9580

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: 142
Views: 9580

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: 26021

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: 13524

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: 11698

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: 3021

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: 3112

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: 5011

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: 10651

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: 1405

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: 17897

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: 731

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: 2390

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: 4562

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: 8319

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...