Search found 5256 matches

by bloom2708
Wed Jan 23, 2019 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: 63 years old and 3 fund portfolio allocation
Replies: 8
Views: 835

Re: 63 years old and 3 fund portfolio allocation

Welcome! At this point I would say do nothing. Your default should be 50% stocks/50% bonds with ~20% international. Just a starting point to consider. Some questions: 1. What is your annual spending? 2. Do you have pensions for one or both that you will have? 3. Do you plan on keeping the mortgage i...
by bloom2708
Wed Jan 23, 2019 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 2
Views: 62

Re: Portfolio Help

Welcome. Spend time here and you will form a plan. 1. Yes. I would work toward maxing pre-tax 401k + Roth IRA (every year) before putting any more in taxable. You could fill up your 2019 Roth IRA ($6k) with taxable dollars. Exchange funds with a low gain or loss. 2. I would put your bonds (10%) in t...
by bloom2708
Wed Jan 23, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife
Replies: 46
Views: 863

Re: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife

Another vote for Google Fi. Great price and coverage, and no data roaming charges overseas (this is HUGE). Also calls to Canada are not charged extra. Caveat emptor on "Great price and coverage". $10/GB of data is very expensive per GB and implies to get a great price you use very little data. Spri...
by bloom2708
Wed Jan 23, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife
Replies: 46
Views: 863

Re: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife

TotalWireless.com 2 lines sharing 15GB of data for $57+tax/month with auto-pay. Verizon towers. Unlimited calls/texts. Keep using your existing phones. You can pay less for lower data. TW is pretty competitive and keeps you on Verizon. No need to turn on Wi-Fi. :twisted: Be wary of Sprint/T-Mobile p...
by bloom2708
Tue Jan 22, 2019 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Lincoln Financial???
Replies: 8
Views: 563

Re: Lincoln Financial???

The "wait one year" to be eligible for the 401k is a company rule. I don't like it and do not know why any company would do that these days. I would actually not take a job where they made me wait one year. They are basically saying "your retirement is of no concern to us". Same for companies (mediu...
by bloom2708
Tue Jan 22, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: "Buy term life because it is cheap"
Replies: 21
Views: 2628

Re: "Buy term life because it is cheap"

Maybe consider:

10 year $1 million
20 year $1 million

As you pass each 10 year band, you should require less insurance. After 20 years (or some point when you retire, you may not need any).
by bloom2708
Tue Jan 22, 2019 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on diversification, consolidation, and tax hesitation
Replies: 11
Views: 455

Re: Advice on diversification, consolidation, and tax hesitation

The rentals do not seem to be adding much. I would sell, but that is a whole other discussion. :o Both were former residences that just stuck around, the mentality was long term appreciation and passive revenue stream. Break even one is up $70k (on paper) since living there and halfway to paying of...
by bloom2708
Tue Jan 22, 2019 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on diversification, consolidation, and tax hesitation
Replies: 11
Views: 455

Re: Advice on diversification, consolidation, and tax hesitation

I think with a few tweaks you can improve: 1. Bonds in 401k, Stocks in Roth 2. Stocks (Total US and Total International or tax efficient tilts) in Taxable. Not REIT or Target Date. 3. Switch to selling ESPP shares the day they hit the account. No gains/losses and eliminate single stock risk. Move to...
by bloom2708
Tue Jan 22, 2019 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Additional Investment Advice
Replies: 9
Views: 412

Re: Additional Investment Advice

Figure out what your total portfolio balance will be with the upcoming addition. Calculate how much bonds you need (% and amount). Let's say that number is $300k. Make your 401k be $300k bonds and $100k stocks. That frees up your Taxable and IRAs to be 100% stocks. If the bond number is north of $40...
by bloom2708
Tue Jan 22, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 62
Views: 2559

Re: Recommendation for pickup truck?

I would try to find a used 2015 (aluminum body) Ford F-150 with about 80k-100k miles. Super Crew (4 full doors). You get the aluminum body. Mileage is at a point where the depreciation has been heavily absorbed. Yet, still has a lot of miles left to go. It might be hard to find a 2015 for around $20...
by bloom2708
Tue Jan 22, 2019 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Allocations
Replies: 8
Views: 470

Re: 401K Allocations

Can you click the Edit (pencil icon) button and add the Expense Ratios of each fund? Are these all the options or the ones you are interested in investing in? You should look at your portfolio as a single entity (401k, Roth IRA, Rollover IRAs, Taxable Account, HSA) to determine what you need in the ...
by bloom2708
Tue Jan 22, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1486

Re: purchasing a home and wondering if we have a good deal

Not what you want, but this is probably not a "good deal" for your financial future. 3% down is no buffer for the declines that will come at some point. PMI will haunt you for several years. It will take a long time to get to 20% down because the first years are front loaded with interest payments w...
by bloom2708
Tue Jan 22, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 32
Views: 1324

Re: External Hard Drive?

Today, I would go with an SSD (no moving parts) backup drive. https://www.amazon.com/512GB-Passport-Portable-Storage-WDBKVX5120PSL-WESN/dp/B07C5BG857/ref=sr_1_2?keywords=512+SSD+backup+drive&qid=1548168717&sr=8-2 Price varies based on the size needed. These come with software to use to back up/encry...
by bloom2708
Fri Jan 18, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Home Owner's Insurance
Replies: 9
Views: 926

Re: Home Owner's Insurance

Keep the coverage. Go to a $5,000 deductible or some higher number. Make sure home and auto and umbrella are all with the same provider to get multi-line discounts. www.cinfin.com The agent search on the front page here allows you to find independent agents in your zip. They can shop multiple carrie...
by bloom2708
Fri Jan 18, 2019 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 46
Views: 1579

Re: Differences in Investment Approach

RJC wrote:
Fri Jan 18, 2019 10:51 am
bloom2708 wrote:
Fri Jan 18, 2019 10:33 am
Pre-tax 401k vs Roth 401k

:|
Isn't there a clear-cut rule for this (i.e. the tax bracket you are in now vs retirement)?
Tell me your marginal tax bracket/percentage in the year 2042 and I'll tell you if you are right. :wink: :D
by bloom2708
Fri Jan 18, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7125

Re: How much house can I afford (really)?

It seems like we are closing in on a lock because of the contentious nature of some posts. It happens. I think the group as a whole presented some different opinions/options. With rapid increases in income, it is very easy to escalate spending. You pay more tax, save a bit more and spend the rest. V...
by bloom2708
Fri Jan 18, 2019 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 46
Views: 1579

Re: Differences in Investment Approach

Pre-tax 401k vs Roth 401k

:|
by bloom2708
Fri Jan 18, 2019 9:29 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 157
Views: 5741

Re: My trend following strategy and experience

Do frequent trading rules interfere with your strategy?

In 401k/Rollover IRA/Roth, you are frequently not allowed to re-buy for 30 days or only allowed so many exchanges.

If your strategy says exchange stocks to bonds and you can't, what happens?
by bloom2708
Fri Jan 18, 2019 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Sanity check on investments
Replies: 4
Views: 463

Re: Sanity check on investments

Looks good to me. The 3 fund portfolio would (typically) have you use the Fidelity Total US Market index fund (~3,600 stocks) vs. the S&P 500 index. But, the returns are very similar and many use the S&P 500 index for a substitute for the Total US market. In an IRA there is no penalty for switching/...
by bloom2708
Thu Jan 17, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 2782

Re: What shelf liquor and your favorite cocktails?

There is a difference. Mid-shelf seems good enough. Tito's Vodka La Croix Sparkling Water (Can) - Your favorite flavor (Tangerine is excellent) 1/2 Orange slice for a garnish Ice Makes a killer/simple drink. :beer https://www.titosvodka.com/?utm_source=bing&utm_medium=cpc&utm_term=tito%27s%20vodka&u...
by bloom2708
Thu Jan 17, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Infiniti QX30 - MB platform
Replies: 8
Views: 676

Re: Infiniti QX30 - MB platform

The lady a few cubes down has a QX30. New about 5-6 months. It looks sharp. I rode in it to a team lunch. Can't recall being blown away. Infiniti is Nissan's luxury brand. I think Nissan is generally middle of the pack. Infiniti is less reliable than Lexus or Acura. Will any of the statistics for th...
by bloom2708
Thu Jan 17, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7125

Re: How much house can I afford (really)?

Everything in context. Some people think they are doing great and then new information pops up and suddenly maybe "great" is just "normal". Normal kind of sucks. We have given you some alternatives to "go for it man, you deserve the house!". That would be too easy. That is not what this place is abo...
by bloom2708
Thu Jan 17, 2019 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Should I buy Company Stock in 401(k)
Replies: 8
Views: 537

Re: Should I buy Company Stock in 401(k)

I would not use company stock in your 401k. Your paycheck, benefits, life insurance are already tied to the company. I assume you get stock awards or options. I sell my stock awards the day they hit the account. If you can fill up your pre-tax 401k, Roth IRA and HSA (if available), then ESPP shares ...
by bloom2708
Thu Jan 17, 2019 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Investment Allocations in Brokerage vs. Retirement Accounts
Replies: 8
Views: 655

Re: Investment Allocations in Brokerage vs. Retirement Accounts

Welcome! Spend time here and you will pick up a lot of great tips. It takes time to absorb all the details. I'll try to hit all your various questions. Your taxable/brokerage does not need to have the exact same index funds as your 401k/Roth IRA. But, they can. ETF and Mutual Fund are just two diffe...
by bloom2708
Thu Jan 17, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: House Dillema
Replies: 12
Views: 1242

Re: How much do you care about housing?

Financially you can do either. You are talking about a lifestyle decision. How many people have 3-4 houses after their "dream house"? Or live in their "dream house" 3-5 years and then move on? Quite a few. It is kind of a cringe-worthy term for me. Your 10 year old "dream house" is 10 years outdated...
by bloom2708
Thu Jan 17, 2019 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone have entire 401K in bonds?
Replies: 56
Views: 5539

Re: Does anyone have entire 401K in bonds?

You want all of your bonds in your 401k (and other stuff), not all of your 401k in bonds. You have an unusual situation where your taxable is much larger than your 401k/Roth. For many, 401k (pre-tax) grows the fastest because people run out of money to save after 401k/Roth IRA/HSA. Taxable comes las...
by bloom2708
Thu Jan 17, 2019 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Good idea? Rent out current home after paid off
Replies: 20
Views: 989

Re: Good idea? Rent out current home after paid off

This thread is right next to yours today:

viewtopic.php?f=1&t=269901

No easy answer.
by bloom2708
Wed Jan 16, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3170

Re: Car reviews - Consumer Reports or other sources?

Read a variety of sources. Read a lot of reviews. I like Edmunds. I tend to read the negative reviews. Worst of the worst. Also search for your model and problems or issues or recalls. There are some surprising issues with well touted models. This won't help if you are looking at a brand new model a...
by bloom2708
Wed Jan 16, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11141

Re: Have I Now Become Out of Touch Financially? Aging question...

I think what the OP is experiencing will always happen. There are regional aspects. He is paying for a location with virtually year round nice weather. Likely worth it if you can afford it and can just tune out the noise. Most of it is noise. It is 7 degrees here heading for -10 and then -20 for a c...
by bloom2708
Wed Jan 16, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 5926

Re: Furloughed Fed Employee - How to make best use of time

Get healthy Read the 5 book Game of Thrones book series Start a blog Paint rooms in the house that need a refresh Write your IPS (Investing Policy Statement) Binge watch Wind River (movie) and then Longmire (TV Series) Read "The Art of Stoic Joy" book Hopefully the shutdown will end in a reasonable ...
by bloom2708
Wed Jan 16, 2019 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Considering dropping Vanguard advisory services
Replies: 3
Views: 905

Re: Considering dropping Vanguard advisory services

Many use PAS for 1 or 2 years and then drop it.

I do not see anything complicated enough to justify the .3%.

Dropping Total International because it has under-performed in 2018, well, that is tougher. In 2017 it beat Total US.

I am sticking to 20% Total International. Too many paths ahead to know.
by bloom2708
Wed Jan 16, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 39
Views: 2834

Re: Netflix Recommendations

Movies:

Wind River (Jeremy Renner)
Bird Box

TV Series:

Ozark
Longmire
The Bodyguard (Yes mum)
by bloom2708
Wed Jan 16, 2019 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Not getting transaction confirmation emails
Replies: 12
Views: 688

Re: Not getting transaction confirmation emails

Who is your email provider? Some implement a spam filter before email gets to you. They are notoriously bad at filtering. Otherwise, check your spam folder (as mentioned). My parents cable provider offers a brutally bad email experience with "spam guard". Some emails just don't ever come. Can't see ...
by bloom2708
Wed Jan 16, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7125

Re: How much house can I afford (really)?

So....using last year as a guide (I made roughly the same) AGI $275k Taxes $65k 401(k) $17k 529s $10k Expenses $75k Disc. Spending $87k Cash Saved $21k Where would the additional $2k per month come from? Cash saved to $0. You should be putting $12k into back door Roth IRAs every year. HSA with HDHP...
by bloom2708
Wed Jan 16, 2019 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16125

Re: Why are your NOT buying rental properties?

I am not because I don't want a second job. The time left in the day after work, eating, sleeping, going to and from work and keeping our house clean and maintained leaves 1.8 hours per day left for leisure. Your numbers are very (very) optimistic and make a bunch of assumptions. Real estate is very...
by bloom2708
Wed Jan 16, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 50k car? If so, whats the best way to do it?
Replies: 48
Views: 2115

Re: Can I afford a 50k car? If so, whats the best way to do it?

Buy something that was $70k and is now $25 to $30k. If you rent, what are your garage/storage options? Does your other car now sit outside? If this car has to sit outside, that would be a hard "no". The elements and stupid people are just too tough on cars. Buy used. Insist on one with a door ding. ...
by bloom2708
Wed Jan 16, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: HELP and advice
Replies: 11
Views: 701

Re: HELP and advice

I would be patient and stay flexible. Your rent is very low and that is allowing you to have the ability to pay off debt (well done) and now to save quickly. House shopping leads to house buying. This does not sound like "the one". You have a great income. Do you want to spend all the time fixing/up...
by bloom2708
Wed Jan 16, 2019 11:23 am
Forum: Investing - Help with Personal Investments
Topic: using financial advisor for only part of my portfolio
Replies: 1
Views: 306

Re: using financial advisor for only part of my portfolio

You specifically want the DFA funds? Sector funds? I think it seems fine. Most here won't advocate using an advisor when you can do it yourself. You have to be able to understand what the advisor is doing and once you get to that point, you don't need them. Are you sure the cost is that low? Will th...
by bloom2708
Wed Jan 16, 2019 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Investment Help Request - Windfall
Replies: 13
Views: 1728

Re: Investment Help Request - Windfall

I'll take a stab: 1. I like this idea. Live off the income and boost your pre-tax 401k to 30%+. Fund Roth IRAs for 2018 and 2019. Do you have an HSA you can fill pre-tax? 2. I would use the Int-Term Treasuries Index or the Prime/Federal Money market. Keep it on the safe side. 3. You could use Target...
by bloom2708
Wed Jan 16, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11010

Re: Are You Dumping Netflix?

I think we are just seeing the beginning of the Netflix Original TV and Movie releases. I think up to $25/month they are safe. Amazon Prime could go. They need to up their game. Playstation Vue is now $49.99. With $15.99 for Netflix, we are getting back up there. I guess the price will be $100 for T...
by bloom2708
Wed Jan 16, 2019 10:30 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7409

Re: When would you stop being a Boglehead?

mlebuf wrote:
Wed Jan 16, 2019 2:50 am
When I assume room temperature.
I was going to say "death", but this is a much more subtle way to say it. :o
by bloom2708
Wed Jan 16, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Took on too much mortgage, seeking advice on where to put money going forward
Replies: 46
Views: 5248

Re: Took on too much mortgage, seeking advice on where to put money going forward

I like the advice above. Just stop buying stuff for a 6 month period. Deep breathe period. You will be fine, but you just went through a whirlwind of home, car and consumer buying. Pay off the furniture loan, then the car loan. Doesn't matter what the rates are 0%, 3%. You owe the money and they nib...
by bloom2708
Wed Jan 16, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 5950

Re: Gillette Mach 3 alternatives

Another vote for Schick Hydro 5. Costco typically has a bundle that is a good deal. These things are amazing. Wet the blade and I can dry shave. Even the neck area which is usually the hardest part. They last a long time, blades don't clog like some brands. The 4 females in the family also use them ...
by bloom2708
Tue Jan 15, 2019 5:12 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation to buy hot stocks or bitcoin?
Replies: 63
Views: 4258

Re: How to avoid temptation to buy hot stocks or bitcoin?

Practice makes perfect. Bart Simpson style: I will not buy individual stocks, bitcoin or other things I do not understand. I will not buy individual stocks, bitcoin or other things I do not understand. I will not buy individual stocks, bitcoin or other things I do not understand. I will not buy indi...
by bloom2708
Tue Jan 15, 2019 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Question moving from stock portfolio to VTI Total Stock Market Index
Replies: 15
Views: 944

Re: Question moving from stock portfolio to VTI Total Stock Market Index

Sell it now. In the "no gains" window is a great place to get out of. 70% Total US and 30% Total International (Or 80/20 mix). This should not be scary. You have say 50 stocks. Every one of them plus a lot of others are in the indexes. At the market cap weight. ~3,600 US + 6,700 International stocks...
by bloom2708
Tue Jan 15, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3919

Re: Any good reason to get a smartwatch?

I'm of the same school of thought, OP. I eschew technology. And I say this as a 35-year-old software developer. Smartwatch? Please. I only just got a smartphone a few months ago, and it's just for calling people - no apps. And I specifically did not enable the voice-activation or GPS features; I do...
by bloom2708
Tue Jan 15, 2019 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring M/L to Vanguard
Replies: 4
Views: 274

Re: Transferring M/L to Vanguard

Your investments. Your plan. Your timeline. Don't do anything you do not want to. Even if the fees are high/higher, you can afford to pay them (if you want to). I talked with my parents for 10 years about moving from Edward Jones (high fees) to Vanguard. There was no pressure on my part. I showed th...
by bloom2708
Tue Jan 15, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed myself on salary negotiations, how do I get past this?
Replies: 25
Views: 2593

Re: Screwed myself on salary negotiations, how do I get past this?

I think you are overthinking. 22 or 24% will go to taxes. You haven't gotten a bonus or stock to know. Why not focus on doing a great job and learning the new role? The rest will work itself out. Dwelling on a number they may or may not have agreed upon doesn't seem to be adding much to your level o...
by bloom2708
Tue Jan 15, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3919

Re: Any good reason to get a smartwatch?

Many of the products are popular because they are trendy. What does a smartwatch give you that your phone does not? You can chart steps and a variety of other things on your iPhone if you go to the "Health" app. Alexa and similar devices are just useless to many of us older folks, though the iPhone...
by bloom2708
Tue Jan 15, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3919

Re: Any good reason to get a smartwatch?

I'm a vote for. This morning, for some dumb reason, I forgot to put on my Samsung Gear Fit2 smart watch. I was all discombobulated all morning without it. :oops: I went home at lunch and put it on. Whew. Crisis averted. :D I am not a super heavy power user. I primarily use the step counter, floor cl...