Search found 4642 matches

by bloom2708
Tue Sep 25, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: Other Portfolios that aren't 3 fund
Replies: 16
Views: 1038

Re: Other Portfolios that aren't 3 fund

Symbol Name Expense Ratio Category BIZD VanEck Vectors BDC Income ETF 9.67% Financials Equities BDRY Breakwave Dry Bulk Shipping ETF 3.50% Commodities VMIN REX VolMAXX Short VIX Futures Strategy ETF 3.46% Inverse Volatility You could do an "inverse" 3 fund. Use 3 of the highest expense ratio ETFs ou...
by bloom2708
Tue Sep 25, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 116
Views: 5403

Re: My Very First Smartphone — Please Critique This Plan

Now, even before the phone arrives, I have *tons* of questions. I'll be starting at Square 1 for things like: deleting/disabling unwanted Samsung apps; finding and loading useful apps; options for email; capabilities of email syncing with my desktop; malware protection; data use management; etc. So...
by bloom2708
Tue Sep 25, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 26
Views: 1241

Re: How to buy a mattress

You will have lots of choices. You do not need to spend $1,500 or $2,000 to get a quality bed. There are numerous "bed in a box" manufacturers that allow you to try out a bed. Shipping and returns may not always be the easiest. Brooklyn Bedding Casper Purple Leesa Saatva Nectar Tuft & Needle etc. et...
by bloom2708
Tue Sep 25, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 44
Views: 4547

Re: Losing Passion for Hobbies. Cheap or normal aging?

Buckle up for "the ride" once you have kids. You haven't seen any "change" yet. :wink: :shock: :o For me, when hobbies start to feel like "w*rk", then it is time to re-evaluate. For about 13 years I trained for and ran a lot of 5k, 10k, 1/2 marathons, full marathons (6). It was a challenge and force...
by bloom2708
Tue Sep 25, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 833
Views: 90047

Re: [What TV Show Have You Recently Watched?]

Ozark (I know I'm slow) on Netflix is really good.

Jason Bateman is really good. Cast and story are up there in Breaking Bad, Better Call Saul, Walking Dead territory. :o
by bloom2708
Tue Sep 25, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 53
Views: 3031

Re: Vacation without saving adequately?

I need more details to figure this one out. How much savings do you have, how expensive is the trip, and what is your income? If every dollar has a purpose, what is the "savings" that you will be exchanging for? Is it Emergency Fund? It doesn't seem like an emergency. If your Car Fund (savings) has...
by bloom2708
Tue Sep 25, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: another chromebook or?
Replies: 5
Views: 400

Re: another chromebook or?

If the issue was solved, it would be solved on your current chromebook as well. Perhaps it's time to upgrade to a cloud ready printer? This was going to be my reply. Keep your Chromebook, buy a new printer that support cloud printing. A Brother/Wi-Fi printer will be less than a new Chromebook. http...
by bloom2708
Tue Sep 25, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging within taxable acct; is this a good idea?
Replies: 12
Views: 741

Re: Exchanging within taxable acct; is this a good idea?

If you are going to exchange (reasonable tax hit), why not use both Total US and Total International?

Total US has an additional 3,100 stocks in the mid and small sizes. (~3,600 total stocks) as compared to the S&P 500 index.
by bloom2708
Tue Sep 25, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1252

Re: What investment company does your employer use?

Megacorp uses Fidelity. No total market index funds. A few low cost options but you need 5-6 funds to buy the market. I use a .08% target date fund that matches my stock/bond ratio. We have funds with a 2.35% and 1.51% expense ratio. A few others in the .5 to 1.0% range. For a company that "could" d...
by bloom2708
Mon Sep 24, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor Taxable Account Questions
Replies: 3
Views: 299

Re: Newbie Investor Taxable Account Questions

Tax-Managed Balanced fund is a good choice. If it matches your desired mix of stocks/bonds. There are no gains or losses in taxable until you sell. When you buy, you get X shares at Y cost. That is a lot (spec ID). If you sell some shares from that lot in 10 years and the cost is Y + $10, you pay ta...
by bloom2708
Mon Sep 24, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 86
Views: 5525

Re: Small cap tilt

Stay the course with Total US and Total International.

It is unlikely that the amount in your Roth added to small cap would tilt the needle at all. The limits on Roth contributions typically limit the size of your Roth compared to 401k/403b/TSP.

Less is more.
by bloom2708
Mon Sep 24, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Need help with Asset allocation and management for a newbie!
Replies: 5
Views: 387

Re: Need help with Asset allocation and management for a newbie!

Welcome. You have good funds. Too many and lots of overlap, but you likely know that and thus are asking. Do you have a good/broad market Total US Bond index in your 401k? I would structure like this below. You could use some international. Taxable: (You will have to note your gains/losses here for ...
by bloom2708
Mon Sep 24, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for My First Recession?
Replies: 43
Views: 3946

Re: Preparing for My First Recession?

Stay the course. Add 15 to 20% bonds (Age -10 or Age -15 is reasonable).

Stay the course. Re-balance when your mix is off by 10%. Keep buying when things are dropping.

Stay the course. The next recession may be mild or steep or not come for 10 years. Nobody knows.
by bloom2708
Mon Sep 24, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Dark stain wood floors
Replies: 18
Views: 1317

Re: Dark stain wood floors

Our 1998 home is filled with "honey oak". Not the "in" color. Not changing. Maybe in the next 10 years "honey oak" will be back in favor. :wink: :o I kind of doubt it though. In my experience changing from a lighter to darker stain is tough as the light stain is still there and the wood never accept...
by bloom2708
Sat Sep 22, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Sports fan trying to cut cable
Replies: 11
Views: 911

Re: Sports fan trying to cut cable

We use Playstation Vue. The cheapest plan of $44.95 includes the channels you mention plus locals in most areas. You have the benefit of cloud DVR for as many programs as you choose. There maybe cheaper options but this is an option. We have a more costly plan just to get the Hallmark stations and ...
by bloom2708
Fri Sep 21, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in Taxable Account
Replies: 6
Views: 570

Re: Bonds in Taxable Account

A reasonable rule of thumb, however, is that if you're in the top 2 or 3 brackets you should use a muni fund. If you're in the bottom 2 or 3 brackets are you really able to save enough to have much of a taxable account anyway? There's probably a way to get that money into a retirement account. It i...
by bloom2708
Fri Sep 21, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in Taxable Account
Replies: 6
Views: 570

Re: Bonds in Taxable Account

Do you have a 401k/403b? You only mention taxable/brokerage and Roth.

If you have a 401k/403b, but all bonds there. Leave Roth and Taxable with Total US and/or Total International.

If no 401k/403b/TSP, then Int-Term Tax-Exempt is reasonable in taxable for 22/24 and higher top brackets.
by bloom2708
Fri Sep 21, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio with 3.2% Yield
Replies: 16
Views: 2208

Re: Portfolio with 3.2% Yield

List all the available options in your 401k by name and include the expense ratio.

That will make things easier. I would not do your proposed portfolio. Heavy concentration. Total Return > Dividend seeking.
by bloom2708
Fri Sep 21, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Have You Successfully Moved Global Stock to Schwab?
Replies: 8
Views: 524

Re: Have You Successfully Moved Global Stock to Schwab?

You should contact Schwab and have them "pull" the shares in. Let them handle the transfer. That is what they do.
by bloom2708
Fri Sep 21, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 116
Views: 5403

Re: My Very First Smartphone — Please Critique This Plan

Cricket Wireless a $499 deal for the S9. Great plans and AT&T coverage. Pretty tough to beat on the phone itself. Good luck with which ever option you choose. Total Wireless is another Verizon MVNO that has reasonable plans. I only go with Verizon or AT&T. Thanks for the other options, bloom2708. T...
by bloom2708
Fri Sep 21, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 116
Views: 5403

Re: My Very First Smartphone — Please Critique This Plan

$800 for a phone?! I hope there's a 5 year old Civic attached to it. Most I've paid for an iPhone ever is $100. I did buy a brand new somethingorother android phone for my son for Christmas that altogether with Cricket ended up costing $200. Really only $499 (Cricket deal). A $100 or $200 phone wil...
by bloom2708
Fri Sep 21, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 2982

Re: Simple-minded sayings?

A bunch of Forrest Gump and Yogi Berra quotes are running through my mind. Stupid is as stupid does. Life is like a box of chocolates; you never know what you are going to get. It's like deja vu all over again. When something was overdone my grandpa would say "That is like putting mag wheels on a ma...
by bloom2708
Fri Sep 21, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice. 3 fund?
Replies: 7
Views: 871

Re: Portfolio advice. 3 fund?

With $40k in a taxable account and $50k in your Roth, a 3 fund strategy would be just fine. Example: 70/30 portfolio with 30% International 49% US stocks ($44.1k US) 21% International stocks ($18.9k International) 30% US Bonds ($27k US bonds) Taxable: Total US stock index $40k Roth IRA: Total US sto...
by bloom2708
Fri Sep 21, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1580

Re: Thinking of selling my car

Another option: Sell your newer car. Get a cheaper car. Liability only insurance. Don't care if it sits for 3 months. Cars can sit for extended periods. Check the air tire pressure. Change the oil once a year. It's a cheap car, won't matter if it sits. :wink: With ZipCar, Uber and Lyft I would think...
by bloom2708
Fri Sep 21, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 116
Views: 5403

Re: My Very First Smartphone — Please Critique This Plan

Cricket Wireless a $499 deal for the S9. Great plans and AT&T coverage. Pretty tough to beat on the phone itself. https://www.cricketwireless.com/content/aio/en/samsung-galaxy-s9-offer.html I just helped my in-laws port their land line to a cell phone. One stumbling block was Cricket does not allow ...
by bloom2708
Fri Sep 21, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: One thing I dislike about TDFs
Replies: 20
Views: 856

Re: One thing I dislike about TDFs

33% is very reasonable. Jack Bogle has been quoted as saying 20% International max. Taylor Larimore would recommend 20% as a minimum and 20% because it also meets Jack's rule. 20 to 50% are all within the reasonable (for you) realm. Over 50% you are tilting past a market weight. 0% is reasonable for...
by bloom2708
Fri Sep 21, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1580

Re: Thinking of selling my car

Seems like a "sell". List it for $500 under Private Party KBB. Take good photos. Clean it. A 2015 Subuaru should sell quite fast. Facebook Classifieds, LetGo, Craigslist. Lots of options. CarMax if you just want to be done. You (anyone) can go buy a car and be out the door in under an hour. Point at...
by bloom2708
Thu Sep 20, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Concerns over funding priority when investing with debt
Replies: 42
Views: 2045

Re: Concerns over funding priority when investing with debt

OP is doing very well. He is in his mid 30’s with dual income and approaching a million in retirement assets. Since is his already maximizing his retirement, I think it is a great idea to reduce the mortgage debt with prepay. I would do it in a heartbeat. +1 Beef up the Emergency Fund. I would pay ...
by bloom2708
Wed Sep 19, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable fee charged by financial planners?
Replies: 30
Views: 2144

Re: What is a reasonable fee charged by financial planners?

As your questions here. $0 Use the Asking Portfolio Questions format: https://www.bogleheads.org/forum/viewtopic.php?t=6212 Let's say you meet for an hour or 2. How much can a financial advisor know about you in 1 or 2 hours after the "get to know you" banter is over? If you can find someone not sel...
by bloom2708
Wed Sep 19, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: What's the best early retirement strategy for us?
Replies: 39
Views: 3080

Re: What's the best early retirement strategy for us?

Do you follow? https://astreaminlife.com/ 2031 is a (long) ways away. 55 doesn't qualify as "early" when people are doing it at 33,35,37. No magic answer. You have to spend less and save more. Set a goal of maxing your pre-tax 401k/403b and Roth IRA each year for both of you. That match is good, but...
by bloom2708
Tue Sep 18, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Loan(s) from Qualified Retirement Plans for Married Filing Jointly
Replies: 6
Views: 232

Re: Loan(s) from Qualified Retirement Plans for Married Filing Jointly

Really just looking for confirmation on the two separate loans. The only way to know for your specific plans is 1) you call/contact your 401k administrator. 2) your wife calls her 401k administrator. What sort of cross-401k rule are you thinking would prevent either of you from borrowing from your ...
by bloom2708
Tue Sep 18, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Loan(s) from Qualified Retirement Plans for Married Filing Jointly
Replies: 6
Views: 232

Re: Loan(s) from Qualified Retirement Plans for Married Filing Jointly

Each of your plans are completely separate. Individually owned. You can both borrow $50k. So, $100k will allow you to buy your new house and keep your old house? Are you certain you qualify for both mortgages even if the $100k covers the 20% down payment on the new house? I still have no idea why yo...
by bloom2708
Tue Sep 18, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6346

Re: Job burnout - Keep grinding or change?

Very similar situation. 47, 3 kids to get through college. Consider becoming a practicing stoic. Everything we do is really our own perception. It works against us. A lot. This book can change your state of mind. How you perceive things. Negative visualization. What you control/don't control. A Guid...
by bloom2708
Tue Sep 18, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: New SUV
Replies: 24
Views: 2048

Re: New SUV

Pass on the lease. The Mariner is the same size as the 2012 and prior Ford Escape. Twin. If you want a similar size, then an Escape (redesigned) would be similar. The Ford Edge would be slightly bigger. Nicer ride. I like the Edge, but I prefer the nicer trim levels on cars. Many vehicles in that sa...
by bloom2708
Mon Sep 17, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: shorter term window
Replies: 3
Views: 266

Re: shorter term window

I think you should consider editing your post and using the "Asking Portfolio Questions" format. Here: https://www.bogleheads.org/forum/viewtopic.php?t=6212 Are you still working? What is your plan for Social Security? Is this $400k all your retirement savings or do you have a 401k/403b/Thrift Savin...
by bloom2708
Mon Sep 17, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: how do/did you teach your kids finances/investing?
Replies: 28
Views: 2187

Re: how do/did you teach your kids finances/investing?

5 is likely too young for anything but the basics. A Save/Give/Spend approach with 3 jars might be a good tool. If the child has $5 (from a gift), try a Save $3, give $1, spend $1 approach. Let the child spend the $1 on anything. When the "give" jar gets some money, think of a way to show your kid h...
by bloom2708
Mon Sep 17, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Where to place 100K for construction?
Replies: 8
Views: 944

Re: Where to place 100K for construction?

Keeping it where it is will be the easiest. Interest for 1 year won't amount to much. Determine if worth the hassle. Consider FDIC insured Ally online bank. 1.85% currently. Move money back and forth to your main checking. https://www.ally.com/bank/online-savings-account/?nt=o&d=c&ag=130621983342343...
by bloom2708
Mon Sep 17, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6767

Re: Is there such thing as saving TOO much?

You are doing just fine. "Save" some "blow money" and find things that give you joy. Getting married, having kids, buying a house, moving for jobs, selling a house, buying a bigger house. Those are life events that might be ahead. You will appreciate your savings rate when there are more things nipp...
by bloom2708
Mon Sep 17, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 11638

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

Just stop working those crazy hours. See what happens. Maybe it's just you that has the need to work those crazy hours - and business would still run well enough if you didn't.. +1 Start working 50 hours a week. No weekends. Turn your phone off. Do not put work email on your phone. Work on the most...
by bloom2708
Mon Sep 17, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3754

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

If you really vacuum 2x a year, hardwood is probably not for you. All the gross stuff can fall to the bottom of a carpet (depending on type) out of site. On hardwood floors it obviously has nowhere to go. +1 Dirt, dust, crumbs, hair. It all accumulates and shows on hardwood/tile/vinyl. You need to ...
by bloom2708
Mon Sep 17, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 37
Views: 4927

Re: Any Cyclists With a Brooks Saddle?

I have a B67 on my Brompton. For upright riding I prefer the wider B67 over the B17. I chose the leather over the Cambium C19 as once they break in, they are comfortable. They do take a long break in period. Leather treatments can soften the leather. Brooks Proofide saddle cream can soften the leath...
by bloom2708
Mon Sep 17, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2185

Re: $180 IPhone SE or $90 Iphone 5S

The SE is on par with the 6S. SE > 5s.

At this point, I would look at a refurb 7 if you intend to keep it for a couple years. The 5s and SE are moving into the 'old tech' zone.
by bloom2708
Fri Sep 14, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund vs EJ
Replies: 16
Views: 998

Re: 3 fund vs EJ

Add the expense ratios and 12b-1 fees for each fund along with the fund names. (Edit button/pencil icon)

Is this a taxable brokerage account or a Traditional IRA/Roth IRA.

Is this everything or are their other parts to the portfolio?
by bloom2708
Fri Sep 14, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3542

Re: Should I get a new iPhone?

A 6 Plus to an Xs will feel like going from a 2005 Camry to a 2019 Camry. :wink:

Life is short. I like to stay within 2 versions back. 6 is well outside that. Time for an upgrade.

Enjoy the new phone. I have a regular 8, so the upgrade to an X or Xs will be a hard sell for myself. :(
by bloom2708
Fri Sep 14, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Review
Replies: 15
Views: 1258

Re: Credit Card Review

investor4life wrote:
Thu Sep 13, 2018 5:56 pm
I don’t believe that you get the 2% Executive bonus for gas.
Gas doesn't count towards my purchases? Assuming I didn't use my Costco Visa. Interesting. I don't know why that would be.

Because I pay for my Costco Gas with my Costco Visa, I only get the 4% from the Visa for gas purchases.
by bloom2708
Thu Sep 13, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: PSA: Cross country relocation expenses
Replies: 13
Views: 1250

Re: PSA: Cross country relocation expenses

Moving and the expenses are not for the faint of heart.

Now you have to update your username to "humid_texas" or "sunny_hot_texas".

Hopefully there are some good cost of living gains that over time cover the expenses of moving.
by bloom2708
Thu Sep 13, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4194

Re: I need a chainsaw to trim branches and limbs!!

I have a little electric chainsaw for trimming.

You aren't sawing through 12" logs, but it zips through branches. Even with electric, caution is the word. They are wicked little devices.
by bloom2708
Thu Sep 13, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Isn't cap weighting less diversified than equal weighting?
Replies: 72
Views: 2988

Re: Isn't cap weighting less diversified than equal weighting?

Because one firm is larger than the other. The market allocates more to Apple than to Axon (just chose these firms randomy) simply because Apple is a larger firm. Not because it believes that Apple will outperform Axon. The "index" knows nothing of "forward". It is a snapshot of what is. Apple has ...
by bloom2708
Thu Sep 13, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Do you rollover all of your previous 401ks?
Replies: 33
Views: 2205

Re: Do you rollover all of your previous 401ks?

We roll old 401ks to Vanguard when we leave a company. Doesn't happen that often. No back door Roth needs/issues here as the wife is stay at home during this period. The next 401k might have just as good of options as Vanguard or most likely it won't. Nice to have things in one place + current 401k.
by bloom2708
Thu Sep 13, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Outback, Legacy, Camry Hybrid
Replies: 14
Views: 770

Re: Outback, Legacy, Camry Hybrid

Of those choices, the Subarus are the better options. They're more comfortable and drive better than a Camry. Do they not offer the Accord or Mazda 6? Those are better choices than any of the options you mention. I doubt you will think the Legacy drives better than the Camry. Recently test drove bo...