Search found 8721 matches

by bloom2708
Fri Jun 11, 2021 11:03 am
Forum: Personal Consumer Issues
Topic: Buying a new car during the chip shortage.
Replies: 32
Views: 2849

Re: Buying a new car during the chip shortage.

I'd buy the car you want as soon as you find the one you want. Making assumptions, but most likely you have the cash to pay for the car. $500 or $1,000 will not likely impact your personal wealth in the slightest. I don't really understand the gnashing of teeth over a few hundred dollars when most w...
by bloom2708
Thu Jun 10, 2021 6:00 pm
Forum: Investing - Theory, News & General
Topic: Why so many funds in one account
Replies: 45
Views: 2411

Re: Why so many funds in one account

Moar funds = moar fees.

Each fund family has incentives and kickbacks.

Moar! 🤭
by bloom2708
Thu Jun 10, 2021 12:57 pm
Forum: Personal Consumer Issues
Topic: Toyota 4Runner out of stock?
Replies: 12
Views: 1748

Re: Toyota 4Runner out of stock?

Our Toyota Dealer has 2 new 4Runner.

https://www.corwintoyota.com/new-invent ... el=4Runner

Maybe a road trip to a dealer in the region or farther?. :D
by bloom2708
Thu Jun 10, 2021 12:51 pm
Forum: Personal Consumer Issues
Topic: I-Phone music recognition
Replies: 4
Views: 340

Re: I-Phone music recognition

Shazam is built into new iPhones.

Swipe down from the top right.

Click the Shazam icon when the song is playing. It looks like an S kind of sideways.

If it isn't showing, you may have to add it in Settings > Control Center > Music Recognition
by bloom2708
Tue Jun 08, 2021 9:47 am
Forum: Personal Consumer Issues
Topic: What exactly is the selling point of "pre-paid" cellular/mobile plans?
Replies: 117
Views: 8940

Re: What exactly is the selling point of "pre-paid" cellular/mobile plans?

Speaking of 40 year olds living in bubbles - we don’t have cell phones at all. No reception at home, so what’s the point? (People would call or text and expect a response, and we wouldn’t even know until we went into town). The lack of interruption is priceless. You enable wi-fi calling when at hom...
by bloom2708
Mon Jun 07, 2021 3:53 pm
Forum: Personal Consumer Issues
Topic: Did you make any lifestyle changes after hitting 500k NW?
Replies: 61
Views: 4964

Re: Did you make any lifestyle changes after hitting 500k NW?

Nope. Head down, pump the arms.

Same thing after $1 million and $2 million.

Spending, age of kids, willingness to reduce or cap spending, many many factors.

$500k is like passing mile 7 of a 26.2 mile marathon. A feat, but a long way to go for most.
by bloom2708
Sun Jun 06, 2021 7:48 pm
Forum: Personal Consumer Issues
Topic: Dark chocolate addicts: how much do you eat?
Replies: 45
Views: 3492

Re: Dark chocolate addicts: how much do you eat?

1 square. 95%+

1 bar would be 25% of total calories. Ouch.
by bloom2708
Sun Jun 06, 2021 6:58 am
Forum: Personal Consumer Issues
Topic: Is an electric shaver for me?
Replies: 16
Views: 1617

Re: Is an electric shaver for me?

I have a higher end Panasonic electric.

I do a quick pass in the morning and at night.

So much faster than a blade.

A five blade does do a better shave. But the electric is just easy if you keep up.

I would try a mid to higher end Panasonic or Braun. $150 plus on Amazon. Give on a shot.
by bloom2708
Fri Jun 04, 2021 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Sell or Rent home in the future
Replies: 7
Views: 630

Re: Sell or Rent home in the future

Stock index funds are also an inflation hedge that do not wreck your house and call you to fix things. My friend with rental properties is down +$20k in rent over the past year and can't evict people. You lose cap gains exemption after a period of time. You complicate your taxes. You open a small bu...
by bloom2708
Fri Jun 04, 2021 10:40 am
Forum: Investing - Theory, News & General
Topic: What to do with excess cash from home sale
Replies: 6
Views: 1121

Re: What to do with excess cash from home sale

Other ideas:

1. live off the extra money and boost pre-tax, Roth savings (if not maxed), Post-tax 401k if work allows, potential conversion to Roth 401k
2. pay off debt (non-mortgage?)
3. Utilize an ESPP plan for rolling buy/sell quarterly
4. fill HSA up
by bloom2708
Fri Jun 04, 2021 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement - 72t vs. Roth vs. Taxable
Replies: 7
Views: 549

Re: Early retirement - 72t vs. Roth vs. Taxable

I assume you have 5 years+ in Roth. Roth Conversion ladder? https://rootofgood.com/roth-ira-conversion-ladder-early-retirement/ It is probably too late now, so 72T might be your best option. What would a 50% market dip and withdrawals from pre-tax over time do to your portfolio balance? 51 to 91 is ...
by bloom2708
Fri Jun 04, 2021 8:45 am
Forum: Personal Consumer Issues
Topic: What exactly is the selling point of "pre-paid" cellular/mobile plans?
Replies: 117
Views: 8940

Re: What exactly is the selling point of "pre-paid" cellular/mobile plans?

What would you do if your pre-paid or post-paid plan didn't "auto renew"? I don't get it. I know some like getting the bill in the mail, writing out the check, licking the envelope, buying the stamps (forever!) and putting it in the mail. Is that a post-paid plan that doesn't "auto re...
by bloom2708
Fri Jun 04, 2021 7:53 am
Forum: Personal Consumer Issues
Topic: What exactly is the selling point of "pre-paid" cellular/mobile plans?
Replies: 117
Views: 8940

Re: What exactly is the selling point of "pre-paid" cellular/mobile plans?

1. No contract 2. No "phone trade in" gimmicks to lock you in to 2 years. 3. From 0 data to unlimited data for a better price. Many, many options. 4. Good enough service, 5G and many MVNO have family plans. We have been on Cricket Wireless (AT&T) for ~3 years. Some recent network "...
by bloom2708
Fri Jun 04, 2021 6:18 am
Forum: Personal Consumer Issues
Topic: Seeking Prescription Discounts
Replies: 27
Views: 1659

Re: Seeking Prescription Discounts

Is there potential lifestyle changes to make to no longer need the drug?

That would be much better in the long run.
by bloom2708
Thu Jun 03, 2021 4:52 pm
Forum: Personal Investments
Topic: What to fund in a simple IRA?
Replies: 11
Views: 731

Re: What to fund in a simple IRA?

Exactly what I was looking for, simple. This allocation and changing over time to reduce risk is the best as well for tax efficiency. I am planning to set up with Vanguard, so would choose Vanguard fund to keep all fees as low as possible. So something such as VTSAX and VBTLX, although they both ha...
by bloom2708
Thu Jun 03, 2021 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Advice in Starting Home Improvement/Repair Business
Replies: 3
Views: 375

Re: Advice in Starting Home Improvement/Repair Business

Too much success is a big problem for small businesses. What if you are good at advertising and you get 20 jobs with the first Cragislist/Facebook marketing ad? Now, you have a problem. Most one person operations don't even return calls. If your hubby can't get to a job for 10 weeks, will the person...
by bloom2708
Thu Jun 03, 2021 2:59 pm
Forum: Personal Investments
Topic: What to fund in a simple IRA?
Replies: 11
Views: 731

Re: What to fund in a simple IRA?

Total US stock index 85%
Total US bond index 15%

Roth can be

Total US stock index
Total International stock index

Put bonds in pre-tax accounts.

Just an idea. Less funds = more.
by bloom2708
Thu Jun 03, 2021 2:18 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Definition of Net Worth
Replies: 76
Views: 4973

Re: Boglehead Definition of Net Worth

Net worth = what you own (minus) what you owe I own a house. Some may have a mortgage on it. (own/owe) I own a car. Some may have a loan on it. (own/owe) I own mutual funds. Some may have a margin loan on it (own/owe) etc. etc. You can get as granular as you want and leave things out if you want. Le...
by bloom2708
Thu Jun 03, 2021 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, pls assess and advise - can we reach our family goals?
Replies: 14
Views: 1982

Re: Dear BH, pls assess and advise - can we reach our family goals?

You could both do back door Roths for 2021. $6k x 2. You could do that any time. "Use" taxable funds. Much better growing tax-free in a Roth. I'm not sure I'd call a $1.2 million home with high property taxes "frugal" but that is another topic. :o I would do the Roth each year, b...
by bloom2708
Wed Jun 02, 2021 11:03 am
Forum: Personal Investments
Topic: New boglehead looking for suggestions on my approach
Replies: 19
Views: 1472

Re: New boglehead looking for suggestions on my approach

Use these 3 in the 403b: 6%: Vanguard Extended Market Index Fund Institutional Plus Class (VEMPX) (0.04%) 12%: Vanguard Institutional Index Fund Institutional Plus (VIIIX) (0.02%) 12%: Vanguard Total International Stock Index Institutional Plus (VTPSX) (0.07%) You could put your bonds in her Traditi...
by bloom2708
Wed Jun 02, 2021 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Considering leaving job: fear of regret
Replies: 13
Views: 2193

Re: Considering leaving job: fear of regret

How old are you? Do you have any hobbies, interests, things you want to do? These are tough to help with. Most relish the opportunities presented by NOT working after 30-35+ years of slogging away. If you are 45 and FIRE'd, then keep working part-time. Will there be regret? Not sure, but death is 1 ...
by bloom2708
Tue Jun 01, 2021 12:59 pm
Forum: Personal Consumer Issues
Topic: Basic Cell Phone Plan - flip phone...emergency use only
Replies: 15
Views: 1036

Re: Basic Cell Phone Plan - flip phone...emergency use only

Red Pocket has 360 plans that are very reasonable for low use. https://www.ebay.com/itm/133196831828?var=433062485225&_trkparms=ispr%3D1&hash=item1f03265c54:g:gXsAAOSww2Zfu-Xf&amdata=enc%3AAQAFAAACgBaobrjLl8XobRIiIML1V4Imu%252Fn%252BzU5L90Z278x5ickkBUIiHwYv5YgVss0WaiENz2SwwyySgRcCGitn6Jh...
by bloom2708
Sat May 29, 2021 6:48 pm
Forum: Personal Investments
Topic: Am I saving too much for retirement?
Replies: 19
Views: 3835

Re: Am I saving too much for retirement?

Maybe you are saving enough to retire at 40.

Maybe retiring at 50 or 55 and spending more along the way is a better plan.

Lots of forks in the road ahead. One day at a time.

Only you can answer in the long view.
by bloom2708
Sat May 29, 2021 4:15 pm
Forum: Personal Investments
Topic: Is there something I can own something like the Wellington that will not hurt me in taxes so much?
Replies: 28
Views: 3424

Re: Is there something I can own something like the Wellington that will not hurt me in taxes so much?

Go 70/30 for your mix of stocks and fixed. Compared to 65/35.

Remember, Wellington has a bit longer bond duration.

It benefited from bond coupon rates going from 10+% to current rates.

Future returns are unknown, so find your “good enough”.
by bloom2708
Sat May 29, 2021 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to fund Renovation
Replies: 8
Views: 1258

Re: How to fund Renovation

With lumber/material prices, quotes are good for 1-2 weeks in a lot of places. When you have firm commitments and a deposit to put down, sell taxable. With $350k you have room. If in 6 months your taxable is $250k, re-evaluate at that time. Prices likely won’t go down because people will pay it. May...
by bloom2708
Sat May 29, 2021 2:33 pm
Forum: Personal Consumer Issues
Topic: Is an iPhone value worth it over an Android phone?
Replies: 91
Views: 6968

Re: Is an iPhone value worth it over an Android phone?

Typing this from a newish iPhone 12. The 12 is a nice size. Light and big enough. I think the Mini is fine. For $70 the 12 seems worth it. iPhones just work and hold their value. My 3+ year old XS Max was still worth $340 in trade value. I could have sold on Swappa for more but I don’t want someone ...
by bloom2708
Fri May 28, 2021 8:59 am
Forum: Personal Consumer Issues
Topic: Summer Entertaining - easy eats?
Replies: 31
Views: 3075

Re: Summer Entertaining - easy eats?

Don't forget your plant based, whole food plant based, vegan and vegetarian neighbors. :D
by bloom2708
Wed May 26, 2021 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Moving
Replies: 3
Views: 484

Re: Advice on Moving

How old are the kids? What do they think of moving? Are they OK with moving from friends? Would your wife be on board for changing jobs? How does licensing work across states for her teaching career? If everyone is on the same page, decisions are easier to make. Maybe you sell and rent for 1 year. S...
by bloom2708
Wed May 26, 2021 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or buy -- and how much house should I afford?
Replies: 19
Views: 2654

Re: Rent or buy -- and how much house should I afford?

OP. You don’t need anyone’s permission.

You ask questions. We use experiences to provide perspectives. Just scenarios. Options.

You can put 5% down, have roommates, spend $1.5 million. Etc. etc.

No permission needed. Good luck with the search.
by bloom2708
Wed May 26, 2021 4:14 pm
Forum: Personal Investments
Topic: Drawing over 400K on HELOC to invest in market?
Replies: 100
Views: 8101

Re: Drawing over 400K on HELOC to invest in market?

If you make $50k/month you shan't need to use leverage.

Well, unless you spend $60k/month.

I would just call and cancel. I changed my mind. Thank you.
by bloom2708
Wed May 26, 2021 3:06 pm
Forum: Personal Consumer Issues
Topic: Best tablet for watching Netflix
Replies: 19
Views: 1242

Re: Best tablet for watching Netflix

iPad Gen 8 $329 iPad Air Gen 4 $599 +1 If you feel you want to spend more, the iPad Pro seems like overkill for a web browsing/tv watching device. Hold both the iPad and iPad Air so you get a feeling of how much they weigh. Most add a flip/stand case so it can sit in your lap without holding all th...
by bloom2708
Wed May 26, 2021 11:06 am
Forum: Investing - Theory, News & General
Topic: [Wiki - Why isn't automatic investing a Bogleheads tenet?]
Replies: 22
Views: 2234

Re: Auto-Investing

For some, the money to invest may not flow in a neat even pattern. Invest when you have the money to invest. 401k/workplace plan is easy to automate. Roth and Taxable may require more thought/planning. Invest when you have the money. At your desired mix of stocks/bonds. Low cost, total market funds ...
by bloom2708
Wed May 26, 2021 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Accounting for 529 withdrawl for kids college
Replies: 29
Views: 2600

Re: Accounting for 529 withdrawl for kids college

I am a bit confused how to coordinate the 529 withdrawals and AOTC. If the fall tuition bill comes in at $28,000 how do I include AOTC and pay the college using 529 monies without incurring a penalty. We will be eligible for the AOTC in 2021. Thanks for providing an example or more information to c...
by bloom2708
Wed May 26, 2021 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Poor Timing Between Buying and Selling Home
Replies: 23
Views: 2191

Re: Poor Timing Between Buying and Selling Home

What are you doing to your house to prep it for 4 weeks? You can over prep. The new owner might come in and rip out your changes. Not like the pain colors. Etc. Clean, declutter (more than you think) use neutral "in" colors if you must paint something. You local agent should be helping tel...
by bloom2708
Tue May 25, 2021 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or buy -- and how much house should I afford?
Replies: 19
Views: 2654

Re: Rent or buy -- and how much house should I afford?

How much of your $400k (less tax due for cap gains) are you willing to spend on the down payment? Let's say $300k. Would you use $300k for the down payment and closing costs? Going from $1,600 rent to $3,500 mortgage + property taxes + insurance + repairs/maintenance/upgrades might be a decent shock...
by bloom2708
Tue May 25, 2021 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Drastically change AA???
Replies: 36
Views: 2216

Re: Drastically change AA???

I am failing to see what a bad neighbor has to do with selling all your stocks. 32% stocks is a very reasonable low end number. I wouldn't recommend going much below that. Maybe 25% would help you sleep at night? If 7% is 2-3 years of spending? I would take some deep breathes and not panic sell. How...
by bloom2708
Tue May 25, 2021 12:41 pm
Forum: Personal Investments
Topic: Good time to tilt to Value?
Replies: 21
Views: 2114

Re: Good time to tilt to Value?

Yes, buy only the value stocks that are going to go way up.

Avoid the value that stays low or drops even more because it isn't value, it is just not a good company or stock.

See, it is easy. :D
by bloom2708
Tue May 25, 2021 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Anyone hate their vacation home?
Replies: 89
Views: 11280

Re: Anyone hate their vacation home?

Go with your gut. You seem to have it figured out. It is an excuse to drink too much, eat too much food that is terrible for you, do extra yard work and always have to worry that someone is breaking in or messing with stuff when you are gone. The opposite of relaxing to me. Some make it work. At 50,...
by bloom2708
Mon May 24, 2021 11:39 am
Forum: Personal Consumer Issues
Topic: How long does it typically take to get used to a new mattress?
Replies: 58
Views: 3787

Re: How long does it typically take to get used to a new mattress?

Try the Amazon pillow I recommended earlier in the thread. https://www.amazon.com/gp/product/B073HRSHTQ/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 You can adjust the fill level to keep your neck aligned. 2 pack. It's a bit pricier than I am used to paying for a pillow but if it works then ...
by bloom2708
Mon May 24, 2021 10:57 am
Forum: Personal Consumer Issues
Topic: How long does it typically take to get used to a new mattress?
Replies: 58
Views: 3787

Re: How long does it typically take to get used to a new mattress?

Try the Amazon pillow I recommended earlier in the thread.

https://www.amazon.com/gp/product/B073H ... UTF8&psc=1

You can adjust the fill level to keep your neck aligned. 2 pack.
by bloom2708
Sat May 22, 2021 6:11 pm
Forum: Personal Consumer Issues
Topic: Best/Cheapest Way To Ship Clothes?
Replies: 22
Views: 2518

Re: Best/Cheapest Way To Ship Clothes?

Priority Mail soft envelope that ships by weight.

Not the flat rate soft envelope.
by bloom2708
Fri May 21, 2021 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 200k RV ? 3.2mm Net Worth
Replies: 177
Views: 15498

Re: Can I afford a 200k RV ? 3.2mm Net Worth

Now see, I was thinking rear lounge... I love the rear lounge on the Unity FX. As a single person I would be "shall I lounge in the front sitting area or retire to the rear lounge?". Like 2 rooms in a small package. The murphy bed gets your bed out of the way during the day. Good design.
by bloom2708
Fri May 21, 2021 10:14 am
Forum: Personal Finance (Not Investing)
Topic: How much Income to afford a home in VHCOL area?
Replies: 8
Views: 1532

Re: How much Income to afford a home in VHCOL area?

How much of your taxable are you willing to put into a house? Salary is one variable. If you want a $1.5 million house and are willing to put $700k or $800k down (just numbers), it is a much different experience than putting $300k down. Salary multiples may or may not work in a VHCOL area. It is a l...
by bloom2708
Fri May 21, 2021 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 200k RV ? 3.2mm Net Worth
Replies: 177
Views: 15498

Re: Can I afford a 200k RV ? 3.2mm Net Worth

Get a Leisure Travel Vans - Unity FX. I saved you $50k-$60k. Approved. Oh man, if you can find one if these these days... Great layouts and loyal customers. Yes. People are "panic buying" RVs like crazy. Buy now! Then put in storage. At some point the camper/RV market is going to have a m...
by bloom2708
Fri May 21, 2021 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 200k RV ? 3.2mm Net Worth
Replies: 177
Views: 15498

Re: Can I afford a 200k RV ? 3.2mm Net Worth

Get a Leisure Travel Vans - Unity FX. I saved you $50k-$60k.

Approved.
by bloom2708
Fri May 21, 2021 9:29 am
Forum: Personal Consumer Issues
Topic: My Honda Didn't Last
Replies: 110
Views: 12464

Re: My Honda Didn't Last

I agree that an individual experience with a vehicle/brand does not apply to all the vehicles in that brand. Micro/Macro stuff. On another note, we also happened to have a 2007 White Odyssey. Tan leather. Beautiful looking vehicle. Very comfortable. It was a complete lemon. The transmission shifted ...
by bloom2708
Thu May 20, 2021 2:21 pm
Forum: Personal Consumer Issues
Topic: Which is a more BH vehicle: a cargo Ebike or a Camry? [Ways to move around your community]
Replies: 61
Views: 3842

Re: Which is a more BH vehicle: a cargo Ebike or a Camry?

Do you live where the weather is nice year round?

We have hard winters, so biking/e-biking gets really challenging.

I would love to live somewhere where biking more year round is possible.

Good stuff.
by bloom2708
Thu May 20, 2021 8:19 am
Forum: Personal Finance (Not Investing)
Topic: home affordability question
Replies: 28
Views: 2802

Re: home affordability question

Are you willing to put $700,000+ down and take out a ~$600k or less mortgage? That is what I would do. If so, buy the house today. With ~$200k in income a $600k mortgage should feel quite comfortable. If you are not willing to spend a chunk of your cash, then you probably aren't ready. A house in a ...
by bloom2708
Thu May 20, 2021 8:13 am
Forum: Personal Investments
Topic: Portfolio Analysis - Any input appreciated!
Replies: 4
Views: 500

Re: Portfolio Analysis - Any input appreciated!

Welcome. Start with your work pre-tax 401k, max that out. The funds will be based on the options you have and low cost. Start with "less is more". Total US stock index, Total International index and an Int bond type index. Your 401k might have an S&P 500 index. At 33, saving more will ...