Search found 5904 matches

by bloom2708
Fri Apr 19, 2019 1:43 pm
Forum: Personal Investments
Topic: Structuring Portfolio for Moderate Income Withdrawal?
Replies: 10
Views: 519

Re: Structuring Portfolio for Moderate Income Withdrawal?

I try to talk to my brother-in-law. He is going to roll over a $4 million retirement lump sum (private company) to his advisor with a 1.2% AUM fee (and higher expense ratios). Then he is going to take out 4% per year for 30 years. "Safe". He should only take out 2.8% because of the fees. He didn't a...
by bloom2708
Thu Apr 18, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start spending more and saving less?
Replies: 76
Views: 4492

Re: When did you start spending more and saving less?

Can you list some spend you might do now (while working) that you might do if you saved less? An extra 1 to 3 trips/vacations? Easier when retired New car? - Buy based on need Membership (Golf, gym) - No time yet if not retired Eat out more - maybe this is a place to experiment? Cons: Unhealthy poss...
by bloom2708
Thu Apr 18, 2019 12:23 pm
Forum: Personal Investments
Topic: Beginner question: best way to $ Cost Avg on sp500
Replies: 24
Views: 1715

Re: Beginner question: best way to $ Cost Avg on sp500

Yes. I do contibute to 401k(maxing) . it is target date fund(thinking about changing this to sp500 based too). i am not eligible for roth ira. as this is for use after 15 years. i learnt the rolling returns is positive (historically) with just sp500 for 10 years and above. i did not think about ass...
by bloom2708
Thu Apr 18, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: 2016 Toyota Sienna all weather mats
Replies: 12
Views: 636

Re: 2016 Toyota Sienna all weather mats

I put WeatherTech or Husky Liner Digital Fit in each of our cars. We have terrible, long winters and wet springs/falls.

They are expensive, but worth it.

You might also find the Toyota OEM rubber floor mats for the Sienna.
by bloom2708
Thu Apr 18, 2019 9:12 am
Forum: Personal Investments
Topic: Beginner question: best way to $ Cost Avg on sp500
Replies: 24
Views: 1715

Re: Beginner question: best way to $ Cost Avg on sp500

Also consider Total US Stock index (VTSAX) and Total International Stock index (VTIAX). Buy the whole market. Dollar cost averaging is fine. Invest whenever you have money to invest. Do you have a workplace retirement plan? 401k/403b/457/Thrift Savings Plan? Do you have a Roth IRA and are you fundin...
by bloom2708
Thu Apr 18, 2019 8:51 am
Forum: Personal Investments
Topic: Dividend Generating Portfolio for Retirement
Replies: 8
Views: 1114

Re: Dividend Generating Portfolio for Retirement

Just move the individual stocks "in kind". Dump the 1% fee. If you are raking in 3% dividends you are taking a 33% haircut with the fee. They are all stocks, so there is no re-balancing. Use a calculator like this to see what "only 1%" does over 20,30,40 years. https://www.dinkytown.net/java/compare...
by bloom2708
Thu Apr 18, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Home Page for Your Computer:
Replies: 17
Views: 1119

Re: Home Page for Your Computer:

I like bing.com as my homepage.

The news bar along the bottom is about enough news. I scroll through that and am 100% "up to date". :wink:

Plus I like the changing/daily photo of places/things.
by bloom2708
Wed Apr 17, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 100
Views: 5355

Re: What Are Your Simple Pleasures?

Not working.
Not snow blowing.
Not shoveling snow.
Not lawn mowing.
Not working on some unnecessary home improvement purchase or project.
Not shopping for something else I don't need.

Most anything else is enjoyable. :wink:
by bloom2708
Wed Apr 17, 2019 3:37 pm
Forum: Investing - Theory, News & General
Topic: How Much in Tax free Bonds
Replies: 6
Views: 565

Re: How Much in Tax free Bonds

How about 50% Int-Term Tax-Exempt and 50% Int-Term Treasury Index (VSIGX). Or 50% Long-Term Tax-Exempt + 50% Short-Term Treasury Index (VSBSX). If you have no Roth (Back door not an option due to Rollover/Traditional IRA existence) and no 401k/workplace or Traditional IRA, then bonds have to be wher...
by bloom2708
Wed Apr 17, 2019 2:35 pm
Forum: Personal Investments
Topic: Valuing Individual Stock in Portfolio
Replies: 11
Views: 727

Re: Valuing Individual Stock in Portfolio

You probably have more than 10% if it is a large component of the S&P 500 or the Total US Stock market index. I would sell the day the shares hit your account. Buy Total US and/or Total International and/or Total World. Your salary, health insurance, life insurance and other misc benefits are alread...
by bloom2708
Wed Apr 17, 2019 8:01 am
Forum: Personal Investments
Topic: Financial Advisor Issues
Replies: 18
Views: 1373

Re: Financial Advisor Issues

This place exists so you can Do It Yourself. Learn a few simple principles. 1 to 3 funds. Low cost. Broad, total market. Tax efficient placement. Correct mix (for you) of US, International and Bonds. https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy $0 fees to DIY. Most expense ...
by bloom2708
Tue Apr 16, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Household budget, savings, retirement, and Home Equity question
Replies: 23
Views: 2201

Re: Household budget, savings, retirement, and Home Equity question

With the TSP loan and re-payment, are you saving anything for retirement currently? I don't see pre-tax savings or Roth for either. Even with the re-finance, it looks like a break even scenario with zero to little savings. Luke Combs would say "Houston, we have a problem". Spending too much or not m...
by bloom2708
Tue Apr 16, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Considering an e bike or conversion kit
Replies: 20
Views: 902

Re: Considering an e bike or conversion kit

I have non-electric bikes. I like the fitness aspect. But, there are compelling reasons for adding an electric bike to your transportation options. https://us.brompton.com/bikes/brompton-electric/why-brompton-electric Not cheap, but if I was going "all in" on an electric bike you can take anywhere, ...
by bloom2708
Tue Apr 16, 2019 12:35 pm
Forum: Personal Investments
Topic: How did it come to this? [Help with investments]
Replies: 20
Views: 1494

Re: How did it come to this? [Help with investments]

Start by putting everything you can under "Retirement Planning" into low cost intermediate term broad market bond index funds. No tax consequences for moving in 401k/IRA/HSA. That would increase your bond holdings. In taxable, sell all losers and match with selling winners so the net (long and short...
by bloom2708
Tue Apr 16, 2019 11:55 am
Forum: Personal Investments
Topic: Zapped by a genie
Replies: 10
Views: 941

Re: Zapped by a genie

The $6k Traditional/Roth IRA and $19k 401k limits seem large. They haven't always been there or even existed. Like Roth IRAs. Flash forward 20 years and the Traditional/Roth IRA limit may be $15k and 401k/Workplace may be $40k. It's all relative if your salary was $100k and is now $300k. Inflation. ...
by bloom2708
Tue Apr 16, 2019 11:41 am
Forum: Personal Investments
Topic: Schwab vs. Fidelity vs. Vanguard / 3-fund diversification
Replies: 9
Views: 1036

Re: Schwab vs. Fidelity vs. Vanguard / 3-fund diversification

I think you are completely fine to hold all your investments at Vanguard (or Fidelity or Schwab). We consolidate everything to Vanguard. My active 401k is at Fidelity. When I quit or retire or both I will roll it to Vanguard. If I get to $100 million, then I might consider adding a second brokerage ...
by bloom2708
Tue Apr 16, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 2203

Re: Trip to Central Asia. Do you need a CC?

Trusting an 18 year-old on a trip like this would give me pause. There's a part of a young person's brain that doesn't fully develop until about age 25: the area of "sober second thought." It's the "wait a minute, lets think this through" process when a person is about to do something foolish. Not ...
by bloom2708
Mon Apr 15, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Walking shoes
Replies: 33
Views: 2114

Re: Walking shoes

I would not mix Zero Drop shoes like Altra or perhaps Hoka with traditional "drop" shoes. If you have experience with Altra, I would try on some different Altra shoes and pick a well cushioned, trail type shoe if you like zero drop. I also like the wide foot shaped toe box. Even if you don't have wi...
by bloom2708
Mon Apr 15, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: How to fix jerky images on streaming TV?
Replies: 29
Views: 1568

Re: How to fix jerky images on streaming TV?

Another thing to look at is the Noise Reduction settings on your TV. There are a bunch of different names (in your TV settings), but set Noise Reduction to Low or off and other related settings to "low". Play with different settings. A 2 or 3 point Google Wifi router or similar mesh router might be ...
by bloom2708
Fri Apr 12, 2019 2:29 pm
Forum: Personal Investments
Topic: My advisor VS Vanguard's PAS
Replies: 70
Views: 4578

Re: My advisor VS Vanguard's PAS

Run your exact numbers through this calculator: https://www.dinkytown.net/java/compare-investment-fees.html See the difference the .4 to .5 makes over 30 years. I think it would be worth it to switch. Once set up with PAS, you can use it for 1-2 years and then go it on your own. Saving an additional...
by bloom2708
Fri Apr 12, 2019 2:06 pm
Forum: Personal Investments
Topic: Is ETF reinvestment inferior to Mutual Fund reinvestment?
Replies: 22
Views: 1046

Re: Is ETF reinvestment inferior to Mutual Fund reinvestment?

With ETFs, the "whole share" requirement makes investing your dividends a bit more complicated. You always have "remainders" that sit un-invested. $375 dividend, share price $100. 3 shares are purchased, $75 sits. Update - I guess this is untrue. Fractional shares are re-invested. I own no ETF myse...
by bloom2708
Fri Apr 12, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 5831

Re: Soon to be dad, how to prepare

Congrats! Re-evaluate all hobbies on both sides. Be equal parents in every way, such that work/schedules allow. If you are used to going golfing all day Saturday with the boys, re-think those type of activities. For both parents. Make sure you give each other breaks, exercise, sleep when you can, ea...
by bloom2708
Fri Apr 12, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: TaxAcT - PSA on gouging
Replies: 14
Views: 1324

Re: TaxAcT - PSA on gouging

I've been on TaxAct since 2002. Paid 2 x my previous highest amount (~$65) this year for Fed and State. It was ~$35 last year for both. I did the sign up early, enroll for next year, best deal and it still was a big jump. With 1 K-1 I was pushed up into the top tier product. I let them know in an em...
by bloom2708
Thu Apr 11, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 2860

Re: Buying a bed

A bed is very personal. I would avoid pure memory foam. Think squishy with very slow return and a tendency to sink. I would look for a hybrid latex mattress. Here is an example: https://www.amazon.com/dp/B07FJM9TTB/?coliid=I2UF4OYWEKF59O&colid=3C8XH0CZWW23E&psc=0&ref_=lv_ov_lig_dp_it We have this in...
by bloom2708
Thu Apr 11, 2019 2:34 pm
Forum: Personal Investments
Topic: Seeking review of financial situation
Replies: 6
Views: 574

Re: Seeking review of financial situation

I would work to max the pre-tax 403b. Mid-30s. You should have 15 to 20% bonds in your 401k/403b. You aren't 25 anymore. :wink: I would pay off your parents before putting extra on the principle on the mortgage. Find a low cost short or intermediate term bond index in the 410k and/or 403b and start ...
by bloom2708
Thu Apr 11, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Using 401k funds to pay taxes on 401k-to-Roth conversions
Replies: 3
Views: 436

Re: Using 401k funds to pay taxes on 401k-to-Roth conversions

With your pension, let's say you do a Roth Conversion up to near the top of the 22% bracket. ~$84k. That means your pension + dividends + Interest + Roth Conversion - standard deduction (loose formula) keeps you under $84k of income. You are "making" additional income by converting Traditional to Ro...
by bloom2708
Thu Apr 11, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Cable internet (Split or not)
Replies: 7
Views: 620

Re: Cable internet (Split or not)

The new wi-fi routers are fast. We have a Google Wi-Fi router with 3 hubs. 100mb cable internet. I turned all 5 TVs on with Netflix streaming an HD program. No issues at all. Picture quality is always great (Netflix, Playstation Vue, Amazon Prime, channel apps, etc). I know some will hard wire every...
by bloom2708
Wed Apr 10, 2019 10:39 am
Forum: Personal Investments
Topic: Transfering assets from Kestra to Vanguard
Replies: 5
Views: 302

Re: Transfering assets from Kestra to Vanguard

Are these funds in a taxable account or inside the IRA? If inside the IRAs, just liquidate and transfer the cash. You may have to get quotes to sell. It may take a bit of work to sell/liquidate. If you don't understand what they are, that is another reason to get out. Then re-buy Total US and/or Tot...
by bloom2708
Wed Apr 10, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2015

Re: Replacing Main car to get better safety features

Easy. Replace the 15 year old Volvo. Let your wife drive the new Subaru. You drive the 2013. My assumption is you can pay cash for the car. My parents in their 70s always buy the cheapest base model with no features. Those new features will probably help them more than most. You can't take it (money...
by bloom2708
Wed Apr 10, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 9448

Re: How do 40 year olds decide what they can afford?

I don't want any "big stuff".

Anything under $50 I just buy. As mentioned, save enough, spend the rest.

It sounds like you have at least 2 mortgages. Maybe in your 40s it is time to pay off your debts and take a go at being debt free.

I know debt is a tool. Just not a fun tool.
by bloom2708
Tue Apr 09, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6187

Re: How Much Do You Pay For Haircut?

Wahl clipper with guards (one time purchase). For the past dozen years or so. #2 all over (2-3 minutes), Right and Left angle clipper around each ear (1-2 minutes), #1 on side burns and lower/back (1 minute) ~5-6 minutes, no travel, no waiting, $0, tip included. I usually go 2-3 weeks between, but c...
by bloom2708
Tue Apr 09, 2019 10:04 am
Forum: Personal Investments
Topic: Reasonable plan for tilting?
Replies: 17
Views: 1551

Re: Reasonable plan for tilting?

I think your proposed portfolio is well within the bounds of reasonable. When you tilt you have to be willing to accept the under performing periods and the equal performing periods. Along with the periods of over performance. The length of under performance or over performance is unknown. So when y...
by bloom2708
Mon Apr 08, 2019 12:11 pm
Forum: Personal Investments
Topic: Portfolio and Allocation advice!
Replies: 4
Views: 566

Re: Portfolio and Allocation advice!

Welcome! 1. 90/10 or 85/15 is too aggressive for 53. The next big drop (yes, there will be one at some point, nobody knows when) will send you right back to bad habits or panic selling 70/30 would be the lowest amount of bonds. We are close to 50 and are 60/40. You won't catch up by being 90/10. You...
by bloom2708
Mon Apr 08, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Understanding my home insurance policy
Replies: 12
Views: 1053

Re: Understanding my home insurance policy

Essentially you have a $950k piece of land with a $250k house on it. My question would be, can you rebuild the house for $266k? The annual premium seems very reasonable. I would look at your deductible. See what a $2,000 or $2,500 deductible does to the premium The question is, if you have something...
by bloom2708
Sat Apr 06, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my financed iPhone XS Max and going back to Android...
Replies: 40
Views: 2452

Re: Thinking of selling my financed iPhone XS Max and going back to Android...

Pay it off. Then keep the XS.

The payments keep reminding you of a single purchase. Sunk cost.

You have a great phone. Keep it for 3 years and you will be fine.

I will give you $500 if you sell. :wink:
by bloom2708
Sat Apr 06, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 2846

Re: Eye glasses - cheaper alternates

Glassesusa.com

Better quality than Zenni.

Do a buy one, get one.
by bloom2708
Fri Apr 05, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: trade in or sell 2007 Toyota Camry?
Replies: 15
Views: 1064

Re: trade in or sell 2007 Toyota Camry?

I would sell private party, but would fully disclose the oil burning and price accordingly. If it is 1/2 quart every 1,000 miles or 1 quart every 1,000 miles, disclose that. Does it drip on the ground, leaving a oil pool or is the engine burning it? I would take $4 to $5,000 and tell buyers all the...
by bloom2708
Fri Apr 05, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: trade in or sell 2007 Toyota Camry?
Replies: 15
Views: 1064

Re: trade in or sell 2007 Toyota Camry?

I would sell private party, but would fully disclose the oil burning and price accordingly. If it is 1/2 quart every 1,000 miles or 1 quart every 1,000 miles, disclose that. Does it drip on the ground, leaving a oil pool or is the engine burning it? I would take $4 to $5,000 and tell buyers all the ...
by bloom2708
Fri Apr 05, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8098

Re: Married couples: can you have a team mentality with separate finances?

Tough questions, no easy answers. I would keep working toward combined finances. We are a "fully combined" finance family. One checking account. My wife made more than me most of our careers. Her 401k and Roth IRA have slightly more. But joint doesn't have to mean completely equal. You can see where...
by bloom2708
Fri Apr 05, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: Ideas for funding Brokerage Account?
Replies: 9
Views: 778

Re: Ideas for funding Brokerage Account?

Buy Total US and Total International in your brokerage too. It is a mis-understanding that buying "something else" will give you something different. Fidelity has the new "Zero" expense ratio Total US and International funds. Buy those. 70/30 ratio. Or stick with their regular Total US and Int stock...
by bloom2708
Fri Apr 05, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: The high cost of sound financial advice
Replies: 45
Views: 4841

Re: The high cost of sound financial advice

[OT comment removed by moderator oldcomputerguy] Why not post your information here? $0. Recurring $0/annum. 0% Expense ratio. Are either of you still working? Why no Roth at all? Between end of work (low income) and starting SS, you can do Roth Conversions to fill up the 0, 10 and 12 percent brack...
by bloom2708
Fri Apr 05, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Help, please. Refinance FHA loan to get rid of MIP?
Replies: 1
Views: 178

Re: Help, please. Refinance FHA loan to get rid of MIP?

Could you go to a 7/1 ARM or 10/1 ARM or 15 year fixed? Rates are at a 14 month low. Rate are somewhat local/regional, so see what your options are. If you can get in that 3.25 to 3.5 range with pretty low closing costs, it would make sense to refinance the PMI away. An Adjustable Rate Mortgage is f...
by bloom2708
Thu Apr 04, 2019 6:43 pm
Forum: Personal Investments
Topic: Short-term Investments: Saving for a Down Payment
Replies: 2
Views: 351

Re: Short-term Investments: Saving for a Down Payment

With a 5-10 year window, Short-Term or Intermediate-Term bond funds should be ok. I use the Int-Term Treasury Index (VSIGX). Short-Term Treasury Index is VSBSX. Corporates/Muni Bonds would have a bit more risk, so more downside. It really depends if you are OK getting the interest and having the pri...
by bloom2708
Thu Apr 04, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: What is this weed in my lawn?
Replies: 34
Views: 3438

Re: What is this weed?

Here we would call that Quack Grass. If I search on Goose Grass, it does look like that.

It is not Crab Grass. I think Crab Grass is the dark green round short/thick/fine patches that grow.
by bloom2708
Thu Apr 04, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Life advice or: How I learned to stop worrying and love the Bogle
Replies: 29
Views: 2993

Re: Life advice or: How I learned to stop worrying and love the Bogle

I might be starting a financial jihad with this comment but I'm not quite sure why so many bogleheads like Dave Ramsey so much? He seems (to me) to be just stating the obvious financial advice that anyone can figure out with a little research, especially on this forum. I don't care for Dave's advic...
by bloom2708
Thu Apr 04, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Move RSU shares from ML to vanguard
Replies: 5
Views: 264

Re: Move RSU shares from ML to vanguard

Individual shares of stock can be transferred "In kind".

The cost basis will transfer. Some times the shares transfer and the cost basis information takes a week or so to catch up.

Contact Vanguard. Best to "pull" the shares in. Vanguard will do the lifting.
by bloom2708
Thu Apr 04, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Life advice or: How I learned to stop worrying and love the Bogle
Replies: 29
Views: 2993

Re: Life advice or: How I learned to stop worrying and love the Bogle

The title is kind of odd. :confused Dave Ramsey would say "You have an income problem." I would not stay in a $40k/year job for a pension of 80% of $40k. It is sad that some professions (important ones) do not pay. You live in a hotbed of industry. Have you considered a career change? Getting your i...
by bloom2708
Thu Apr 04, 2019 11:55 am
Forum: Personal Investments
Topic: Help balancing portfolio for self management
Replies: 6
Views: 434

Re: Help balancing portfolio for self management

Can you list the percentages of each fund in taxable? I think you are letting the gains/tax control too much. This is a mess of overlapping funds. Without the percentages, I can only say it looks like you are heavy on small and emerging and light on large cap. Quite a bit off from total market. It i...
by bloom2708
Thu Apr 04, 2019 10:48 am
Forum: Personal Investments
Topic: Clean up of 100+ stocks in taxable
Replies: 32
Views: 2627

Re: Clean up of 100+ stocks in taxable

Long and short term gains and losses offset each other. If you have $10k in long term losses, offset with $10k in long term gains. If you have $5k in short term losses, offset with $5k in short term gains. That would allow to sell a bit more and get to index funds. Harvesting some gains. Otherwise y...
by bloom2708
Thu Apr 04, 2019 10:22 am
Forum: Personal Investments
Topic: Unexpected windfall
Replies: 14
Views: 2369

Re: Unexpected windfall

Welcome. Is the tax all paid on the $500k? Is it inside an Inherited IRA or taxable/post-tax with stepped up basis? What is it invested in or is it cash? $500k is a great amount. Is it "life changing" now? Well, probably not. At 36 you could probably take 2.5% out each year if it is invested 80/20is...