Search found 6322 matches

by bloom2708
Wed Jul 17, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: replacing mulch bed recommendations
Replies: 13
Views: 398

Re: replacing mulch bed recommendations

Weeds will go through most anything eventually. One problem is grass clippings get on top of weed prevention barriers (plastic or the fabric liners). I pull weeds constantly. I buy several new bags of mulch each spring and refresh it. Weeds still come. Same for the areas we have with river rock/fabr...
by bloom2708
Wed Jul 17, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Would you pay that much for parking?
Replies: 18
Views: 651

Re: Would you pay that much for parking?

Seems worth it to park underground.

It is a long (long) winter.
by bloom2708
Wed Jul 17, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Take the cash or the free dinner?
Replies: 42
Views: 2886

Re: Take the cash or the free dinner?

I would go to the bank and take out 2 $100 bills from your checking/savings.

Skip the meeting. Walk around with $200 extra in your wallet.

No good could come out of it and $200 won't make any difference.
by bloom2708
Tue Jul 16, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 46
Views: 2435

Re: New family car and safety considerations

You stated that a compact SUV is "not going to have the space for a family vehicle." That is absolutely a ridiculous statement. You use the word "ridiculous" too much. Ridiculous overuse of a ridiculous word. :wink: Your ridiculous is my semi-ridiculous. It is ridiculous to argue over ridiculousnes...
by bloom2708
Tue Jul 16, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Baking in the summertime?
Replies: 34
Views: 2285

Re: Baking in the summertime?

Phoenix is likely more comfortable with the low humidity. On Sunday in Minneapolis, it was around 92 with high humidity and sweat was literally dripping from my face while just standing outside at a kid's birthday party. I agree with you. Some wouldn't. We hiked Piestewa Peak it was 98, sunny, 7% h...
by bloom2708
Tue Jul 16, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Baking in the summertime?
Replies: 34
Views: 2285

Re: Baking in the summertime?

And for those that wonder. It is currently 112 degrees in Phoenix. It got up to 113 degrees this afternoon. The low last night was 90. But is a nice comfortable 77 here inside my house. 112 degrees, 14% humidity in Phoenix (high?), dew point 42 degrees 88 degrees, 71% humidity in Mpls (could be hig...
by bloom2708
Tue Jul 16, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 46
Views: 2435

Re: New family car and safety considerations

My Camaro works just fine. You'll learn to work with small space. Minimalist, sort of. We live in a consuming country. Take what you want. Be it a RAV 4 or a tank. 4 people camping your camaro? Or just you? 4 duffle bags, 4 pillows, 4 sleeping bags, 1 tent, 4 bag chairs, 1 camp stove, 1 cooler, foo...
by bloom2708
Tue Jul 16, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 46
Views: 2435

Re: New family car and safety considerations

With 2 growing kids, a Rav4 (and similar size SUV) are not going to have the space for a family vehicle. This is a ridiculous statement. The Rav4, or any compact SUV for that matter, is a perfectly adequate vehicle for any normal family of 4. I'm constantly amazed at people who think they must purc...
by bloom2708
Tue Jul 16, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 46
Views: 2435

Re: New family car and safety considerations

With 2 growing kids, a Rav4 (and similar size SUV) are not going to have the space for a family vehicle. A minivan or 3 row SUV have room for people and stuff/bags. I wouldn't get stuck on the Odyssey. There are a number of good vehicles in the same range. Toyota Sienna Kia Sedona - Good warranty if...
by bloom2708
Tue Jul 16, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home; Very HCOL Area
Replies: 36
Views: 2682

Re: Buying a home; Very HCOL Area

It is almost always a stretch to buy the house you want. If you have 20% down + money for closing costs, can afford the monthly payment and still meet your financial goals, can save and pay for your property taxes and insurance and still meet your financial goals, then buy the house. 25 years into h...
by bloom2708
Mon Jul 15, 2019 2:03 pm
Forum: Personal Investments
Topic: Please Help me Simplify my IRA - Fidelity 3 fund?
Replies: 5
Views: 467

Re: Please Help me Simplify my IRA - Fidelity 3 fund?

I think the 3 fund portfolio would be a big improvement. If this is 60% of your portfolio, that means those "sliced" stock funds are 53% of your portfolio. A quite narrow slice. I'm not sure what Asset Manager is. I'd rather see you with Total US and Total International (maybe 80/20 or 70/30 mix). T...
by bloom2708
Mon Jul 15, 2019 1:48 pm
Forum: Personal Investments
Topic: Purchasing a home - Use Retirement/Non Retirement Funds?
Replies: 10
Views: 586

Re: Purchasing a home - Use Retirement/Non Retirement Funds?

What type of retirement account? You are using the term "borrow". Are you taking a 401k loan? Is it a Traditional IRA and you are going to do a withdrawal (no such thing as a borrow) and then put the funds back? What if the timing doesn't work out? Are you buying too much house? Requiring a 401k loa...
by bloom2708
Mon Jul 15, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Activity tracking- Fitbit charge versus Apple Watch 3
Replies: 7
Views: 465

Re: Activity tracking- Fitbit charge versus Apple Watch 3

Garmin makes the best fitness watches. The Garmin Forerunner 35 is $84.99 (Prime Day) The Garmin Forerunner 235 is $139.99 (Prime Day) - this is a big price drop. If fitness/steps/GPS/running is your key use (that is mine), I like the Garmins. I only have to charge mine every week or so in "activit...
by bloom2708
Mon Jul 15, 2019 9:39 am
Forum: Personal Investments
Topic: Switching from passive to active management
Replies: 91
Views: 5949

Re: Switching form passive to active management

$500k for estate planning services and other services? They likely still charge you by the hour worked on top. Don't do anything for 90 days. Cooling off zone. You could hire the best estate planner in the US and not pay close to those fees. Think of the ripple effect of $500k in fees per year not s...
by bloom2708
Mon Jul 15, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 6873

Re: I think i can spend 30k on this vacation, but wife not sure

Enjoy the vacation. I wouldn't pick a safari, but if that is your dream vacation. Don't be one of those people who shoot a giraffe or elephant, post it on social media and then end up on the front page of your city newspaper. Gone viral. I've been seeing a lot of those stories. The people just take ...
by bloom2708
Sun Jul 14, 2019 8:29 pm
Forum: Personal Investments
Topic: Switching from passive to active management
Replies: 91
Views: 5949

Re: Switching form passive to active management

Don’t just do something. Stand there.

Repeat.
by bloom2708
Sat Jul 13, 2019 7:15 pm
Forum: Investing - Theory, News & General
Topic: Who should fund a Roth after age 71?
Replies: 13
Views: 1386

Re: Who should fund a Roth after age 71?

Note that “earned income” has a specific definition. Interest, dividends and RMD are not earned income. No Roth unless working. That is my understanding.
by bloom2708
Fri Jul 12, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: 10k every year to mortgage or taxable brokerage
Replies: 20
Views: 1849

Re: 10k every year to mortgage or taxable brokerage

I'm a "pay the mortgage off" person, but having a taxable account gives you some good flexibility. Especially if you are considering an early retirement. It might make a difference if your mortgage is $100k or $1 million. Also if you are 30 or 55. How about $5k to taxable (Total World) and $5k to mo...
by bloom2708
Fri Jul 12, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: Timing the market
Replies: 28
Views: 1686

Re: Timing the market

What does your entire portfolio look like? What percent of bonds/fixed income do you have? 100% VOO (S&P 500 index) is 100% stocks. There will be wild/crazy fluctuations over 10, 20, 30 years. Most temper their stocks with an age/risk appropriate mix of Intermediate-Term and Short-Term bonds. Pick a...
by bloom2708
Fri Jul 12, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: What would you charge if you were a FA?
Replies: 29
Views: 1952

Re: What would you charge if you were a FA?

Once you know what you know about advisor fees, I don't think I could ever charge to give advice. I've discussed it before, the only way it would work is in a non-profit, fully funded, pay it forward way. I have thought about making a 1 page, condensed, 2 sided and laminated "Bogleheads 101" type ha...
by bloom2708
Fri Jul 12, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Office 365 Home - Mobile Apps
Replies: 4
Views: 351

Re: Office 365 Home - Mobile Apps

An Office 365 subscription gets you 5 6 Microsoft accounts that can access Office 365. 5 separate emails/laptops/people. Kids? Parents? We use 5 of 6 currently. Share and the other user gets an email to install Office 365. Each account gets 1 TB of OneDrive space. Install the OneDrive app on your An...
by bloom2708
Thu Jul 11, 2019 2:41 pm
Forum: Personal Investments
Topic: Vanguard to Ameriprise... Naah!
Replies: 6
Views: 913

Re: Vanguard to Ameriprise... Naah!

I would consolidate to Vanguard. Do not tell Ameriprise anything more about moving. Your funds, your decision. Contact Vanguard to pull the funds over. They will check to see what can be transferred "in kind" and if anything would have to be liquidated before moving. They will help get the forms fil...
by bloom2708
Thu Jul 11, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pay student loans via cash-out refinance?
Replies: 41
Views: 1836

Re: Pay student loans via cash-out refinance?

I would probably do the cash out refinance. You still have good home equity. Is that the best rate right now with rates falling? I would look at a 10/1 ARM and see if you can get below your current 3.7%. You could "snowball" the loans, but with a tight income margin, it will likely take 2+ years to ...
by bloom2708
Thu Jul 11, 2019 1:56 pm
Forum: Personal Investments
Topic: Compounding Interest vs. Mortgage
Replies: 11
Views: 1648

Re: Compounding Interest vs. Mortgage

You should max your pre-tax 401k and Roth IRA. Then, use tax savings (State + Fed) to save for the down payment.

If your marginal tax bracket is 22% and state is 6%, deferring the tax means your paycheck is 28% more (28% of the $19k). Use that to fund your $6k Roth IRA and/or House Down Payment.
by bloom2708
Thu Jul 11, 2019 1:18 pm
Forum: Personal Investments
Topic: Tax liability question re: transferring 401k to Roth IRA
Replies: 6
Views: 434

Re: Tax liability question re: transferring 401k to Roth IRA

You would be doing a Roth Conversion. You will pay tax as if the conversion is ordinary income. If you are in the 22% top tax bracket now, add $70k on. Does that push you up to 24% Fed? State tax also applies. Most would move this money into their current 401k if possible. If you are at a place wher...
by bloom2708
Thu Jul 11, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: How Much Home Can I Afford?
Replies: 18
Views: 1491

Re: How Much Home Can I Afford?

35 + single = rent +43 I would max 401k pre-tax and Roth IRA each year. If you have more to save, invest in taxable. That $180k and then $270k could be invested (maybe 70/30 or 60/40) and grind away. Leaving it "safe" on the sidelines earning 2% is tough. Your budget may look better if you decide t...
by bloom2708
Thu Jul 11, 2019 8:47 am
Forum: Personal Investments
Topic: where should I put my money for a short term 457(b) plan?
Replies: 1
Views: 138

Re: where should I put my money for a short term 457(b) plan?

I think you are "bucketing" your money too much. What is your desired mix of stocks/bonds/fixed income based on your age and risk tolerance across your whole portfolio? Where is your portfolio at today based on the previous question? 401k, 403b, 457, Roths, Taxable/brokerage. Look at them all togeth...
by bloom2708
Thu Jul 11, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: How accurate are the cost savings in Vanguard's Portfolio Watch?
Replies: 5
Views: 605

Re: How accurate are the cost savings in Vanguard's Portfolio Watch?

My Vanguard Portfolio Watch shows a cost savings of close to $11,000 annually when compared to the industry average. 97% of my portfolio are index funds (3-fund model). I mentioned this statistic to one of our 403(b)(7) reps (one of the better ones) in my school teachers lounge and he thought it wa...
by bloom2708
Wed Jul 10, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: What, if any, advisors do I need?
Replies: 13
Views: 1067

Re: What, if any, advisors do I need?

Bogleheads exists to help you do it yourself for $0. Ask questions here. As many as you need.

Most don’t need a suite of advisors.
by bloom2708
Wed Jul 10, 2019 12:52 pm
Forum: Personal Investments
Topic: How to best unload shares?
Replies: 21
Views: 1016

Re: How to best unload shares?

Sell 1/2 of the shares today (2019 tax return).
Sell 1/2 of the shares on Jan 1/2 (2020 tax return).
Pay some tax in 2019
Pay some tax in 2020

He might have to use some of the proceeds to pay long term capital gains tax. That is easy.
by bloom2708
Wed Jul 10, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Car Dilemma
Replies: 20
Views: 1376

Re: Car Dilemma

150k miles is my "time to go" mileage milestone. After that, all bets are off. Both our teen kids have older ES 330 cars. I bought them cheap with about 70k miles from the original owners. Reliable, safe and a bit slow/bland which is perfect for a crappy teen driver. I added a little bluetooth gadge...
by bloom2708
Wed Jul 10, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 7887

Re: Who cuts your hair? And for how much?

Me, 2 cents per cut. Amortizing the cost of the clipper out over 1,000 haircuts. 24 haircuts per year for 40 years. Might be optimistic.

Wahl clipper (corded/plug in style) ($20). #2 guard, #1 guard, left and right ear taper guards. ~4 minutes.
by bloom2708
Tue Jul 09, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Grilling with wood fire
Replies: 12
Views: 1101

Re: Grilling with wood fire

I do, but I use lump charcoal. Wood burned with very low oxygen. You fast forward to lump charcoal. Short circuit the process so it doesn't take hours. (I buy the charcoal in a bag. I do not have time/energy to try to make my own charcoal. :wink: ) With real wood, you have to start the fire and wait...
by bloom2708
Tue Jul 09, 2019 2:15 pm
Forum: Investing - Theory, News & General
Topic: How to calculate % of my International Fund relative to the rest?
Replies: 13
Views: 638

Re: How to calculate % of my International Fund relative to the rest?

US to Not US (Ex-US, International) is usually expressed in terms of the stock percentage. Example: I am 80% stocks/20% bonds with 30% in International (not US). That is 30% of the 80%. 56% US stocks and 24% International. Usually 20 to 40% is a recommended percentage of Ex-US. Some use 0%, some go ...
by bloom2708
Tue Jul 09, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: 401k withdrawal for buying a home
Replies: 9
Views: 909

Re: 401k withdrawal for buying a home

A 401k loan is best when you are still employed and you can repay the loan with your paycheck. You would have to ask the 401k custodian how a 401k loan works when you are no longer employed by that company. A withdrawal (not a loan) would nip you at your highest marginal tax bracket + a 10% penalty ...
by bloom2708
Tue Jul 09, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Sandals with arch support
Replies: 25
Views: 1937

Re: Sandals with arch support

Spenco has a wide variety of shoes and sandals with arch support.

https://www.spencofootwear.com/category.aspx?catid=273
by bloom2708
Tue Jul 09, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Virgin Mobile has become a joke for NYC service
Replies: 16
Views: 1112

Re: Virgin Mobile has become a joke for NYC service

Both TotalWireless.com (Verizon) and CricketWireless.com (AT&T) have competitive ~$35 plans with 5GB data. We have 5 Unlimited lines on Cricket for $125/month including all taxes and fees. The plans get cheaper with more phones or shared lines on TotalWireless. I would port to Cricket with that type...
by bloom2708
Tue Jul 09, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: My situation and a new vehicle
Replies: 20
Views: 1685

Re: My situation and a new vehicle

robphoto wrote:
Tue Jul 09, 2019 7:59 am
I think he means, "if I were to take on a car payment in the next 11 months, I would then have..."
Got it. Makes sense. Buying the car and taking the loan out is the easier path. Do what the masses do. Buy the car and scratch the itch. :D

Or don't.
by bloom2708
Tue Jul 09, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: My situation and a new vehicle
Replies: 20
Views: 1685

Re: My situation and a new vehicle

Are you still making payments on the old Forester? i bought my current 2009 model used in 2010. If i am still making payments on that, I need more help than this forum can offer. OK. This is a quote from your original post: "At the current time I have 11 months left on my school loans. I am big on ...
by bloom2708
Mon Jul 08, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: My situation and a new vehicle
Replies: 20
Views: 1685

Re: My situation and a new vehicle

Keep driving the current car. 11 months is nothing in the grand scheme. Your new (or newer) car will drive nicer without the student loans in the back. Are you still making payments on the old Forester? One "temporal shift" you could make is that every car doesn't have to have a car loan. I know the...
by bloom2708
Mon Jul 08, 2019 3:14 pm
Forum: Investing - Theory, News & General
Topic: What does the "i" in iShares stand for?
Replies: 9
Views: 786

Re: What does the "i" in iShares stand for?

interwebShares.

Where are your shares? Stored on the interweb. :wink:
by bloom2708
Mon Jul 08, 2019 10:13 am
Forum: Personal Investments
Topic: Investment Frequency
Replies: 6
Views: 447

Re: Investment Frequency

Invest when you have the money. Time in the market.

With larger purchases, simply buy to "right" your asset allocation. Buy to/toward your desired mix of stock index funds and bond index funds.

Welcome!
by bloom2708
Sat Jul 06, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Best deals on MiFi devices / Hot spot - 4th of July hardware sales?
Replies: 20
Views: 970

Re: Best deals on MiFi devices / Hot spot - 4th of July hardware sales?

Get a free Cricket Wireless android phone and for $10/month you can turn on hot spot for the iPad. and hopefully someone else is driving. I don't know where the iPad fits in when driving. Many states have "hands free" laws now. Can't have the phone in your hand or up to your ear. A $10 phone holder...
by bloom2708
Sat Jul 06, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Best deals on MiFi devices / Hot spot - 4th of July hardware sales?
Replies: 20
Views: 970

Re: Best deals on MiFi devices / Hot spot - 4th of July hardware sales?

Can you put the Waze app on your phone and just use your phone data/cell? No data plan on your phone but you want a data plan on a hot spot device? Don't those need 110? I guess many cars have a plug now. I would update your phone and data plan. There are numerous cheap options that would be better ...
by bloom2708
Fri Jul 05, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 3349

Re: buying a 60 or 65 inch tv this weekend. which one?

I doubt all TVs will be using OLED in two years. The patents and manufacturing capacity will dictate this. Plus Samsung is showing micro LED prototypes that address some of the issues with OLED. Two years is about when I expect these to be appearing at the high end of the market. Of course "next" w...
by bloom2708
Fri Jul 05, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 3349

Re: buying a 60 or 65 inch tv this weekend. which one?

The best deal today is the 55" LG OLED for $999 at Best Buy. Heads and tails above the options listed, but not 60". The 65" OLED is $1,899. Too steep a price jump for me. For 15 years, I would reach and get the OLED. In 1-2 years OLED will be standard and the TV you buy today will feel dated. I wou...
by bloom2708
Fri Jul 05, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: ISP rural area what are my options?
Replies: 6
Views: 502

Re: ISP rural area what are my options?

https://www.highspeedinternet.com/

Hughes is not good.

If all your options are DSL providers, changing likely won't help.

No cable internet in your area?
by bloom2708
Fri Jul 05, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 82
Views: 4597

Re: 50-60k boat purchase??

Olemiss540 wrote:
Fri Jul 05, 2019 2:03 pm
bloom2708 wrote:
Fri Jul 05, 2019 1:42 pm
I'm on the "pay cash for toys" bandwagon.

Doesn't seem like that is an option. Suze Orman...denied.... :wink:
Sounds like the OP wants to save cash and buy the boat next year when they have the money$$$$.
Approved. :o
by bloom2708
Fri Jul 05, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: AC Noise and proposed repair
Replies: 9
Views: 914

Re: AC Noise and proposed repair

I'd be a bit upset with the contractor that installed the unit because I think he should have registered the product for you right after he installed it. That's what the contractor did that installed my unit. Same for our contractor. Lennox 10 year warranty. I have to have a furnace inspection 1 ti...