Search found 7685 matches

by bloom2708
Fri May 29, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: FL Snowbirds with Second Homes - Give Me Pros/Cons of Owning Our Own vs Renting Seasonal
Replies: 39
Views: 3563

Re: FL Snowbirds with Second Homes - Give Me Pros/Cons of Owning Our Own vs Renting Seasonal

Have you considered lock n go in both places?

The equation is tough with a house, full yard, snow removal on one side.

Our house is worth ~$450k. $250k north and $250k south works a bit better.

What price range would 2/2 condos be in the area you want? I assume $200k or around that.
by bloom2708
Fri May 29, 2020 3:53 pm
Forum: Personal Investments
Topic: Should we get back into Wellsley and Wellington?
Replies: 14
Views: 1565

Re: Should we get back into Wellsley and Wellington?

How about LifeStrategy Income (20% stocks/80% bonds) for a portion of your funds?

Your confidence ebbing and returning is no sign of what is to come.

What percentage of stocks were you before? Consider 20%.
by bloom2708
Fri May 29, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: XFINITY Mobile new phone SIM swap
Replies: 10
Views: 543

Re: XFINITY Mobile new phone SIM swap

You could always do the steps up to the point where you take out the SIM and put it in the new phone. That way your old and new phones are ready to roll. You can actually keep using your old phone as a wi-fi device. At that point call Xfinity Support. I am not an Xfinity user. If you understand the ...
by bloom2708
Fri May 29, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Am I spending too much on rent?
Replies: 13
Views: 1258

Re: Am I spending too much on rent?

That rent doesn't seem too bad for a HCOL area. Options which may or may not be better: 1. Roommates - Pros and cons 2. Get married - :D Definite pros and cons 3. Move farther away (long commute) - Mostly cons, but it would be cheaper. I would not consider buying at all if you are thinking of leavin...
by bloom2708
Fri May 29, 2020 2:57 pm
Forum: Personal Investments
Topic: Assistance Allocating Retirement Funds Correctly
Replies: 3
Views: 192

Re: Assistance Allocating Retirement Funds Correctly

I like both pre-tax 401k and Roth IRA. It was a challenge to think about hitting the max. You certainly don't have to do that. Another way to think about it is to figure out what you can save. Say $8,000. Put that in pre-tax 401k (figure out the percentage per pay period). Then, put the tax savings ...
by bloom2708
Fri May 29, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 120
Views: 6200

Re: Tips to stick to a weight loss diet?

Would you judge your portfolio's performance off 2 weeks or would you care more about the 20+ year performance? There have been a few studies of the low carb diets and they have pretty much all faired worse than more normal (50-60% carb) diets for mortality. You can argue about how they do controls...
by bloom2708
Fri May 29, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: XFINITY Mobile new phone SIM swap
Replies: 10
Views: 543

Re: XFINITY Mobile new phone SIM swap

No interaction is required. The SIM card is your calling/texting plan. It is already established. Back up your current iPhone to PC in iTunes. Do a full backup. Make sure it is on the latest version of iOS. Attach the new phone to iTunes. Both the new and old phone have to be on the exact same versi...
by bloom2708
Fri May 29, 2020 1:17 pm
Forum: Personal Investments
Topic: Assistance Allocating Retirement Funds Correctly
Replies: 3
Views: 192

Re: Assistance Allocating Retirement Funds Correctly

I would do the Target Fund in 401k and Total US in Roth IRA. You could make a 3 fund in 401k and just use Total US in Roth. It just depends on your funds available and expense ratios. At 29, savings rate is the key. Saving more will overcome your mix of stocks and bonds. If single, why not try putti...
by bloom2708
Fri May 29, 2020 1:02 pm
Forum: Personal Investments
Topic: Thoughts on FJTDX for Fixed Income?
Replies: 2
Views: 142

Re: Thoughts on FJTDX for Fixed Income?

Credit rating = BBB

Higher risk for a bit higher return.

Ally/Marcus/Redneck for ~1.25% FDIC insured.
by bloom2708
Fri May 29, 2020 11:56 am
Forum: Personal Investments
Topic: Best place to put my cash right now
Replies: 11
Views: 1688

Re: Best place to put my cash right now

Ally/Marcus/Redneck for FDIC and ~1.25%. $250k for each person, so you may have to split or use joint accounts. For funds and ETFs always check the SEC Yield. That is the going forward rate if nothing changes. Which it always does. Many timing threads right now. People have had it. It might be a goo...
by bloom2708
Fri May 29, 2020 10:18 am
Forum: Personal Investments
Topic: Am I panicking or being prudent?
Replies: 57
Views: 4797

Re: Am I panicking or being prudent?

+1 for 40/60 or 50/50. Being all "out" of stocks is not a good place to be either. You need to keep up with inflation for a long retirement. I'm not sure that any equities are needed historically to keep up with inflation. Over 1926-2019 inclusive, Treasury bills earned an average (CAGR) of 3.29%/y...
by bloom2708
Fri May 29, 2020 9:53 am
Forum: Personal Investments
Topic: Am I panicking or being prudent?
Replies: 57
Views: 4797

Re: Am I panicking or being prudent?

+1 for 40/60 or 50/50.

Being all "out" of stocks is not a good place to be either. You need to keep up with inflation for a long retirement.
by bloom2708
Fri May 29, 2020 8:33 am
Forum: Personal Finance (Not Investing)
Topic: First Time Homebuyer - Any Advice?
Replies: 27
Views: 1262

Re: First Time Homebuyer - Any Advice?

Don't buy if you are single, under 30, have any interest in changing jobs or cities. If kids are in the picture, that may change decisions. Schools. Work commute is very important for quality of life. Save up 20% + closing costs + a budget for immediate changes/furniture/yard stuff. This is on top o...
by bloom2708
Fri May 29, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 52
Views: 2981

Re: Car Issues - No Oil

What does the garage/parking floor look like?

5/6 qts of oil would not all burn up. Is the head gasket out and the antifreeze leaking into the oil? Maybe a combination of dripping and head gasket.

I would not drive this car any longer.
by bloom2708
Thu May 28, 2020 7:10 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 91
Views: 5312

Re: Face mask recommendations

Canvas Discount online.

Custom face mask. Make it “you” by uploading an image.
by bloom2708
Thu May 28, 2020 3:21 pm
Forum: Personal Consumer Issues
Topic: Nut Grinder Recommendation?
Replies: 2
Views: 249

Re: Nut Grinder Recommendation?

Vitamix or other powerful blender? We've made flour many times (Vitamix). Have not tried a nut butter because the Costco one is so good and easy to just buy. Search "Vitamix nut butter" and you get a number of options. Here, the nuts are more than the finished nut butter. Which is kind of sad I guess.
by bloom2708
Thu May 28, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: The Pros and Cons of sitting on an iPhone 11 Pro
Replies: 27
Views: 1965

Re: The Pros and Cons of sitting on an iPhone 11 Pro

atikovi wrote:
Thu May 28, 2020 1:07 pm
You mean if people can see your phone they are more likely to steal it? And why just women?
I think he meant the belt clip is a very enticing device. Much like a fanny pack and pocket protectors.

I saw the humor. :D
by bloom2708
Thu May 28, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: Why are 10-20 year treasuries a poor investment now?
Replies: 26
Views: 1615

Re: Why are 10-20 year treasuries a poor investment now?

I am just trying to wrap my head around this. Given that long term treasuries are essentially guaranteed by US government, wouldn't it be wise to buy a large number shares while they are down and beat up and then just wait 10-15 years to turn a nice profit? They are not "down". The price is very hi...
by bloom2708
Thu May 28, 2020 12:40 pm
Forum: Personal Investments
Topic: need help cleaning up my 401k
Replies: 6
Views: 389

Re: need help cleaning up my 401k

Inside the 401k, one dollar is one dollar. Everything is fairly priced today. Trades will happen tomorrow. At the end of tomorrow, that is fairly priced. I would just exchange the funds and re-balance to get to where you want to be. Also adjust where new money is going. 401ks have frequent trading r...
by bloom2708
Thu May 28, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: Why are 10-20 year treasuries a poor investment now?
Replies: 26
Views: 1615

Re: Why are 10-20 year treasuries a poor investment now?

I am just trying to wrap my head around this. Given that long term treasuries are essentially guaranteed by US government, wouldn't it be wise to buy a large number shares while they are down and beat up and then just wait 10-15 years to turn a nice profit? They are not "down". The price is very hi...
by bloom2708
Thu May 28, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: The Pros and Cons of sitting on an iPhone 11 Pro
Replies: 27
Views: 1965

Re: The Pros and Cons of sitting on an iPhone 11 Pro

When you are standing/walking you can use the back pocket.

Do not sit down with the phone in the back pocket. My XS Max fits in all my front pockets.
by bloom2708
Thu May 28, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1316

Re: Car won't start

I keep a trickle charger, a battery boost jump starter and a regular set of jumper cables. The right tool for the job.

I would jump it and drive it for 20 minutes. Likely just ran down. A test would confirm if the battery still has a good load available.
by bloom2708
Thu May 28, 2020 10:04 am
Forum: Personal Investments
Topic: money market
Replies: 4
Views: 563

Re: money market

Ally Bank has IRA MM, IRA CD. 1.4%

https://www.ally.com/bank/ira/ira-account/
by bloom2708
Thu May 28, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: which iPhone?
Replies: 32
Views: 1952

Re: which iPhone?

I just upgraded from the old SE to the new SE. Honestly, can't tell much of a difference so I'm probably doing something wrong. It works, the camera is better but I'm not blown away. My old SE was on its 4th battery though which was super annoying so I got tired of getting it fixed. The new SE is t...
by bloom2708
Wed May 27, 2020 9:22 pm
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4016

Re: If not 3 fund, whats your strategy ?

3 funds:

Total US
Mid-cap
Int-term Treasuries

I do have Emergency Fund in savings/money market.
by bloom2708
Wed May 27, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: Windows 10 - Background colors always changing
Replies: 4
Views: 198

Re: Windows 10 - Background colors always changing

02nz wrote:
Wed May 27, 2020 3:20 pm
Right click on your desktop, then Personalize. Is the Background set to slide show?
Same steps above, choose Colors.

Uncheck "Automatically pick an accent color for my background".
by bloom2708
Wed May 27, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: What phone to buy after iPhone 7 Plus
Replies: 22
Views: 1990

Re: What phone to buy after iPhone 7 Plus

After 10 minutes the notch is notch notchiceable. It is notching to worry about. :D
by bloom2708
Wed May 27, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Audition; House Budget; Cash Sub-Allocation Queries
Replies: 16
Views: 982

Re: Early Retirement Audition; House Budget; Cash Sub-Allocation Queries

Sorry, but where are you getting a $500k house from? The highest I proposed in my post was $450k (in the commentary), with a $325k-$350k in the cash sub-allocation breakdown. And, with respect to your latter point, that is essentially my question: how much is too much house? Hard to answer. Would y...
by bloom2708
Wed May 27, 2020 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Any holes in new home purchase?
Replies: 22
Views: 898

Re: Any holes in new home purchase?

Thanks for your thoughts. I didn’t mention I have a bonus of at least 15k post tax coming in July and we will be able to save another 5k per month until move in. That’s a 6 month minimum so cash target would be 115k at that point. Would you be comfortable there? It’s a 2 car garage with above garag...
by bloom2708
Wed May 27, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Audition; House Budget; Cash Sub-Allocation Queries
Replies: 16
Views: 982

Re: Early Retirement Audition; House Budget; Cash Sub-Allocation Queries

Is the total $3.8M or $4.5M. Can't tell from the wording on investments/vs cash. Investment total is $3.8M. The cash for housing, car replacement, living expense set-aside (essentially, money that is just "there" but ideally isn't touched unless the market tanks for 2 years straight) totals $775K. ...
by bloom2708
Wed May 27, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: which iPhone?
Replies: 32
Views: 1952

Re: which iPhone?

Friends, My iPhone 11 Pro Max arrived today. Here's a 5-sentence review: It works right out of the box and I'm able to use my existing carrier and my keep my old number. My previous phone was the iPhone SE (1st generation), so it's like putting a Trabant next to a Ferrari. Call and text quality see...
by bloom2708
Wed May 27, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Audition; House Budget; Cash Sub-Allocation Queries
Replies: 16
Views: 982

Re: Early Retirement Audition; House Budget; Cash Sub-Allocation Queries

Is the total $3.8M or $4.5M. Can't tell from the wording on investments/vs cash. Don't get stuck trying to live off dividends. Use a reasonable (3%) withdrawal rate. Dividends are just dollars you have to pay tax on. Same as share dollars. I would look at the total cost of the house. Purchase price ...
by bloom2708
Wed May 27, 2020 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Any holes in new home purchase?
Replies: 22
Views: 898

Re: Any holes in new home purchase?

Numbers seem reasonable. Do you have an Emergency Fund beyond the $70k? Where does the other $15k come from? You should also have contingency funds for any cost overruns or add-ons. Is this a starter home or can you see yourself in this home for 7+ years? 2 car garage vs 3 car? Storage? 30 year fixe...
by bloom2708
Wed May 27, 2020 8:21 am
Forum: Personal Investments
Topic: How to maintain discipline with bonds?
Replies: 15
Views: 1189

Re: How to maintain discipline with bonds?

My one thought is to put all fixed income in taxable. Reverse of what many have done. I still have a size-able gain in Total US index in taxable. If not, I may swap that to the money market and then add Total US in Rollover IRAs (from Int-Term Treasuries) Then I would transfer all taxable to Ally/Ma...
by bloom2708
Tue May 26, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Home Insurance in Denver
Replies: 6
Views: 524

Re: Home Insurance in Denver

Look for an independent agent in his area. www.cinfin.com This site has a search tool right on the front page. Most areas have long established agents that will help you. They know their carriers. Independent agents can shop multiple carriers and target the ones with the best coverage and reasonable...
by bloom2708
Tue May 26, 2020 4:30 pm
Forum: Personal Investments
Topic: 401K to Roth? Now or wait?
Replies: 7
Views: 388

Re: 401K to Roth? Now or wait?

Understand that a 401k or Roth IRA or Taxable account are buckets that hold stuff. Inside the 401k, Roth, Traditional IRA, etc you can have money market funds, bond funds, stock funds, individual stocks, etc. You have the bucket and then choose what type of stuff you put the money that is that bucke...
by bloom2708
Tue May 26, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 88
Views: 4542

Re: does anyone have a subscription to youtube tv?

We are subscribers. I moved when PlayStation Vue announced it was closing up. YTTV is great. A very simple UI. Easy to navigate, large font guide, easy search, DVR most anything. Customize the guide order and hide channels you don't watch. We use it on Fire TV Cubes and Boxes. They have more process...
by bloom2708
Tue May 26, 2020 1:26 pm
Forum: Personal Investments
Topic: 90% VTSAX?
Replies: 15
Views: 2055

Re: 90% VTSAX?

Well done saving up $7 million. 3.5% of $7 million is $245k. One one hand you have the ability to be 90/10. On the other hand, you have no reason to be 90/10. These are often the decisions when you are ahead of the game. I wouldn't pay a lot of tax in a high income year to get to all Total US. You h...
by bloom2708
Tue May 26, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 56
Views: 3327

Re: New Tires or New Car?

eBay has used tires. Find the exact match and find one with 7 or 8 32nds left.

This sounds like a pretty nice/newer vehicle. i would just likely replace all 4 with a set of Cooper that work for the size/SUV.

What brand/model of tire? 255 50 19?
by bloom2708
Tue May 26, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: which iPhone?
Replies: 32
Views: 1952

Re: which iPhone?

Best value right now is probably an XS Max "Mint" from Swappa.com for your carrier.

The flagship phone before the 11 Pro Max. ~%50 off from new prices.

They hold their value well and last a long time. The prices do not drop that fast.
by bloom2708
Tue May 26, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Buy now or rent for a while
Replies: 13
Views: 975

Re: Buy now or rent for a while

$525k on your salary/profession seems very doable. ~2x salary. With mother-in-law and 3 kids, "a little too big" might be the way to go. Especially with the more at home time that may be here for a while. You have the down payment and a good salary. I'm pretty conservative, but if you like the $525k...
by bloom2708
Tue May 26, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 143
Views: 12501

Re: Pandemic buys that have improved quality of life?

We bought a Vitamix to replace an aging blender.

Blenders have come a long way. This thing is a beast. Late on that bandwagon.
by bloom2708
Tue May 26, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 88
Views: 5025

Re: New Vehicle: Forester or Rav4 for boglehead couple

Will there be a kid 2 or kid 3?

Never too early to think a bit farther ahead. Kid 1 is usually followed by kid 2 in the next few years.

That is usually within the lifetime of your next car purchase.

I would probably pick neither the Forester or the Rav4 if kid 2 is in the mix.
by bloom2708
Mon May 25, 2020 9:52 am
Forum: Personal Investments
Topic: Question about Edward Jones disapproval
Replies: 44
Views: 4372

Re: Question about Edward Jones disapproval

Just tell him it could be a $500k+ decision over 30+ years.

High fees and complex. Your best pal taking your money.
by bloom2708
Sun May 24, 2020 6:09 pm
Forum: Personal Consumer Issues
Topic: Would you buy a new car without a spare tire?
Replies: 21
Views: 1012

Re: Would you buy a new car without a spare tire?

My wife’s last two cars have had no spare.

2013 Ford C-Max Energi
2017 Ford Fusion Energi

Seems to be more common.

No flats up to this point.

Maybe if you have a long commute or drive cross country often a spare is required.
by bloom2708
Sun May 24, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 120
Views: 6200

Re: Tips to stick to a weight loss diet?

Picasso wrote:
Fri May 22, 2020 11:37 pm
nutritionfacts.org

This non-profit changed my health
+1

Change what you eat. Make it your lifestyle.

All diets fail. The standard American diet fails all ages.

It just catches up to you and then it is harder to change.
by bloom2708
Sun May 24, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12125

Re: Approaching 40, worried about financial future

$350k or 400k on $83k income is still a lot.

Choosing one income and 4.2x house will be a squeeze.

Bump savings when you can, track spending and work longer.

All the choices add up to form a path to follow.
by bloom2708
Fri May 22, 2020 1:51 pm
Forum: Personal Investments
Topic: 3 Fund Portfolio outside of work retirement plan?
Replies: 5
Views: 400

Re: 3 Fund Portfolio outside of work retirement plan?

How about your Roth IRA next?

You likely do not need all 3 components everywhere. Your Target fund likely has 4 components (add International bonds).

The key is do you have more to save? If so, Roth IRA first, then other options like HSA, paying down debt, then taxable.
by bloom2708
Fri May 22, 2020 10:12 am
Forum: Personal Investments
Topic: Can retirement be this simple?
Replies: 31
Views: 4308

Re: Can retirement be this simple?

Are you 50 or 65? How did you settle on 4.25%? 4% held up (past) for a 30 year retirement. We are in a low interest rate environment. 3.5% is typically considered as a safer withdrawal rate for early retirement. Not really enough information. Consider posting in this format: https://www.bogleheads.o...
by bloom2708
Thu May 21, 2020 1:55 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6091

Re: I freaked out…now what?

How old are you? If you were 60/40 BC (Before Covid), perhaps you are now a 40/60 AD (After coviD) person? You have to invest the money not needed in the short term for the length of your (hopefully) 30 year + retirement. Get back in. Maybe it is 30/70. The stock portion may go lower here in the nex...