Search found 3102 matches

by bloom2708
Wed Jan 17, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: How to overcome the fear of spending money? (Buying a car)
Replies: 11
Views: 424

Re: How to overcome the fear of spending money? (Buying a car)

Does it have to be new? Compromise and spend $10-12k on a nice used one. I think there are a lot of lightly used, driven only in the summer cars with low miles. There is one with 36k miles for $9k on our Craigslist and we are in a small town. Every dollar you spend IS delaying your retirement. If yo...
by bloom2708
Wed Jan 17, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan payback
Replies: 2
Views: 88

Re: 401k loan payback

Pay it off. Be fearful when others are greedy.

Your new contributions to your 401k are going to paying the loan and not going into the market.

You used it for the purpose. Don't push it. :wink:
by bloom2708
Wed Jan 17, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: New Tax Brackets...Trad 401, Roth 401, or a mix?
Replies: 5
Views: 193

Re: New Tax Brackets...Trad 401, Roth 401, or a mix?

I don't think the tax laws change much. I continue to think that pre-tax 401k is better. Max it out at $18,500. The tax saved will give you ~$4,500 in your paycheck to use to fill your Roth IRA. Max that at $5,500. You can't know what your tax rate will look like 20, 30 years from now. When you get ...
by bloom2708
Wed Jan 17, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: cloud backup of iphone photos and video
Replies: 1
Views: 89

Re: cloud backup of iphone photos and video

OneDrive is another option. We have an Office365 subscription which comes with 1 TB of OneDrive space. I have the OneDrive app on my phone (Android) and it backs up photos/videos only when plugged in and on Wi-Fi. iCloud seems like the obvious choice as it is built in. You get 5GB free, but have to ...
by bloom2708
Wed Jan 17, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions
Replies: 9
Views: 488

Re: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions

I'm sure there is some perfect spot. I don't know what it is. Let's say you have 3 $2,500 claims over 3 years. Does your insurance drop you? What are your rates after 1 and 2 and 3 if they do keep you? Still paying the same rate? If you have those 3 claims over 3 years you likely can't shop insuranc...
by bloom2708
Wed Jan 17, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Deceased mother [how to transfer inheritance from Ameriprise]
Replies: 4
Views: 275

Re: Deceased mother [how to transfer inheritance from Ameriprise]

Sorry I guess the question isn't clear. I think Ameriprise is sending a 14 page form which has lots of irrelevant information which they want as an attempt to try to sign you up as a client. Sorry, I don't know what the funds are in as my sister is in control of the account. Its only a small amount...
by bloom2708
Wed Jan 17, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension Vs Higher salary + 401k savings plan
Replies: 8
Views: 539

Re: Federal pension Vs Higher salary + 401k savings plan

For job 1 you have to be away from wife/kids for 2-3 year or "extended" family for 2-3 years? I hope you mean "extended". Do you have enough runway to get the 20-30 years in to hit the full pension? What if your non-pension jobs are lucrative enough so you can pile up investments and quit 5-10 years...
by bloom2708
Wed Jan 17, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Planning
Replies: 2
Views: 281

Re: Vanguard Retirement Planning

How about Bogleheads? :wink: Oh wait, you are here already. :arrow: If she is at Vanguard and in Target funds that closely match her desired mix of stocks/bonds, why do anything? .3% is reasonable for people who are not confident or need some advisory services to feel "safe". A "fee only" type consu...
by bloom2708
Wed Jan 17, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Deceased mother [how to transfer inheritance from Ameriprise]
Replies: 4
Views: 275

Re: Deceased mother [how to transfer inheritance from Ameriprise]

More than likely this is a two step process: 1. Fill out the forms, get an account created in your name and have 1/4 of the assets moved into your account. 2. Once all split out, contact Vanguard (insert Fidelity or Schwab here) and do the transfer. Try to transfer "in kind" and do the selling at th...
by bloom2708
Wed Jan 17, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Considering a change in asset allocation; tell me if I'm approaching this the right way
Replies: 6
Views: 375

Re: Considering a change in asset allocation; tell me if I'm approaching this the right way

A 5% move in asset allocation and the addition of International both seem very reasonable.

No tax consequences, better diversity. Approved. :wink:
by bloom2708
Wed Jan 17, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Any US Mobile experience?
Replies: 5
Views: 233

Re: Any US Mobile experience?

If support is your primary driver, then Cricket has the most mature support and system for porting your number. As with any support, you may get a new person or you may get a wiley veteran. My parents are on Total Wireless. During the transfer I had to call. Support answered my question very fast. W...
by bloom2708
Wed Jan 17, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: three/four season room addition
Replies: 4
Views: 270

Re: three/four season room addition

Very location dependent. What area of the country?

In Fargo a 3 season room is more like a 1 season (2 months) room.

In FL or CA or AZ I can see one using such an area much more.
by bloom2708
Wed Jan 17, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions
Replies: 9
Views: 488

Re: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions

How many $1,500 claims have you filed against your home owner's insurance? I'm picking a number above your $1,000 deductible? $1,000 seems low for home. How many $1,500 claims can you file before your rates change? Maybe 1 free "grace" claim? It is unknown (like where the stock market is going) beca...
by bloom2708
Wed Jan 17, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: 401k 3 fund options
Replies: 3
Views: 131

Re: 401k 3 fund options

I have similar options and stuck with the Target Date fund that matches my mix of stocks/bonds. You need 4-5 funds and need to keep them re-balanced. All to save .05-.07% Target funds have a 4 fund style. US, International stocks, US, International bonds If the Target Fund was .5 and you could save ...
by bloom2708
Wed Jan 17, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k options
Replies: 5
Views: 228

Re: Solo 401k options

Keep the fees low and investment options optimal.

Have you looked into Vanguard's Individual 401k?

https://investor.vanguard.com/what-we-o ... idual-401k

Fidelity should be fine if you stick with their index based, low expense, diversified funds.
by bloom2708
Wed Jan 17, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: A question that keeps coming to my head
Replies: 13
Views: 966

Re: A question that keeps coming to my head

1 - too simple 2 - all the gimmicks, too hard to maintain, small percentages, re-balancing woes 3 - Total US + Total International (30% of stocks) + Total US Bond (80 stocks/20 bonds since you have a long time) A good plan should be as simple as possible, but not forcibly simple. Just going with the...
by bloom2708
Wed Jan 17, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Did I Pay California too Much in Taxes?
Replies: 5
Views: 449

Re: Did I Pay California too Much in Taxes?

You will have to file in both CA and your new state.

If you overpaid to CA, you should get a refund as you stated.

The source of your income should have your current address and be using that for withholding and W2 information unless you are now self-employed.
by bloom2708
Wed Jan 17, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification
Replies: 8
Views: 350

Re: Diversification

Difficult to answer. 60/40 is not out of line. It is a very good "for the long haul" asset allocation. You may be at the point where you don't have to take as much risk. The markets will go down. Nobody knows when/where/how long/how much. Maybe 50/50 is more appropriate. Maybe doing nothing is the b...
by bloom2708
Wed Jan 17, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Any US Mobile experience?
Replies: 5
Views: 233

Re: Any US Mobile experience?

We've been on Cricket for 2+ years. AT&T coverage is good. Verizon maybe a notch better in some rural areas. T-mobile iffy. Sprint is not great. I think US mobile uses Verizon and T-mobile. I don't know if you get one or the other or can somehow use both. Total Wireless is another good Verizon MVNO ...
by bloom2708
Tue Jan 16, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Suggestion Needed!
Replies: 5
Views: 186

Re: Investment Suggestion Needed!

Welcome. Don't do anything until you do some reading and learning here. Target 2025 is ~60% stocks and 40% bonds. You are proposing to go 100% large cap stocks after a very long bull market and within a couple years of your early retirement. Not a good plan. A 50% drop in the market and your $250k c...
by bloom2708
Tue Jan 16, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 5
Views: 302

Re: Portfolio Help

Welcome! First off, where is all your money going each month? Are you tracking spending and living on a budget? With no Emergency Fund, I'd probably make that a priority. You (both) might consider reading "The Total Money Makeover" by Dave Ramsey. I think you are in a debt emergency. If you keep tre...
by bloom2708
Tue Jan 16, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: How can I become a better consumer?
Replies: 16
Views: 1246

Re: How can I become a better consumer?

Maybe your goal is to be a "worse" consumer. Not a "better" consumer. Put a plan in place to wait 10 days before you buy something. Default to not buying it. If it passes the 10 day muster, then something has to go out. The perfect consumer would be consuming everything. Well, at least from the pers...
by bloom2708
Tue Jan 16, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investment / asset allocation ideas for trust
Replies: 1
Views: 88

Re: Investment / asset allocation ideas for trust

Using 15% loss as a threshold, that puts you at a max of 30% stocks. 30/70. That doesn't jive with your long term needs of capital appreciation and a 20 year horizon. Assuming taxable dollars (not in an IRA or other tax-sheltered account), then consider the 3 fund portfolio as a baseline. Total US S...
by bloom2708
Tue Jan 16, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: why emergency savings?
Replies: 37
Views: 2909

Re: why emergency savings?

Step 1: Do nothing
Step 2: Wait for a true Emergency
Step 3: I hope Step 2 never happens

If Step 2 never happens, then the return on that $20k won't impact your overall rate of return by enough to matter.
by bloom2708
Tue Jan 16, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: fine tuning - vanguard s&p 500 trust fund vs VTI in 401K - have both now
Replies: 2
Views: 130

Re: fine tuning - vanguard s&p 500 trust fund vs VTI in 401K - have both now

No tax consequences in your 401k to sell. Consolidate to VTI (Total US Stock index) ~500 stocks to ~3,600 in the total market. You add more mid and small caps at their market weight. The S&P 500 are all in the Total US Stock index. Better yet, Move to Total US + Total International (do you have a to...
by bloom2708
Tue Jan 16, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Roth 401k into Roth IRA
Replies: 5
Views: 330

Re: Roth 401k into Roth IRA

Not enough information.

My best guess. Put $18,500 in pre-tax. Use the tax savings (more in your check) to partially fund your Roth IRAs.

Pay the tax 20, 30, 40 years down the road.
by bloom2708
Tue Jan 16, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 41
Views: 3362

Re: Umbrella Policy - 1M or 2M

Might this be a time to shop insurance? $610 for $2 million in umbrella seems high. But, there are many factors that come into play. There have been a number of "which insurance" threads recently. Maybe a browse and get 2-3 quotes. See how your insurance is holding up and evaluate deductibles and co...
by bloom2708
Tue Jan 16, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: too complacent?
Replies: 10
Views: 1052

Re: too complacent?

Welcome. I do not think you have to change anything. If your portfolio was mine (I would be a happy person) and I would be closer to 50/50. Be fearful when others are greedy. I would also spend more. Not always easy, but with a ~$2 million home, you will likely end up with a large portfolio/estate. ...
by bloom2708
Tue Jan 16, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to max out 401k
Replies: 15
Views: 1037

Re: How to max out 401k

Unless you work for a very small company, your 401k deduction will stop when you hit $18,500. I set mine for 20% and it hits the max a different times due to bonuses/raises, etc. Pick a percentage that will get you close without the bonus. The bonus may put you over in late November or in December. ...
by bloom2708
Tue Jan 16, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 150
Views: 21228

Re: Who else hates choosing a car?

I am tired of driving a vehicle for the 10% case. Driving a 7 passenger 4WD that gets 15 mpg with 1 or 2 occupants 90% of the time for the 1-3 times per year when you pile 6 or 7 people in the car. All I want is a 7-8 passenger, small vehicle that gets 40+ mpg and has a large truck box for hauling s...
by bloom2708
Tue Jan 16, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 81
Views: 7736

Re: Besides Bogleheads, What Are Your Favorite Forums?

I gotta admit - I like the BH forum, but I also know full well I'm only going to get the 'MAINstream' viewpoint on anything here, and one that's nearly as risk-averse as possible. To me, that almost takes away the whole point of a forum, which is where you might go to get a niche or very specialize...
by bloom2708
Tue Jan 16, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 81
Views: 7736

Re: Besides Bogleheads, What Are Your Favorite Forums?

Early Retirement +1

http://www.early-retirement.org/


Club Lexus Forums for keeping track of discussions about our cars.

https://www.clublexus.com/forums/
by bloom2708
Tue Jan 16, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 18
Views: 1427

Re: FlipPhone

Blu https://www.ebay.com/itm/BLU-Zoey-Flex-Z130-Unlocked-GSM-Dual-SIM-Flip-Quick-Glance-Window-Phone-Gold/202140778352?epid=786797951&hash=item2f10877f70:g:m3oAAOSw8UZaKsXw Pair it with 1 year of MintSIM or 1 year of RedPocket (pick your GSM carrier). A Moto E or Moto G for around $100 might be a be...
by bloom2708
Fri Jan 12, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan vs selling taxable
Replies: 9
Views: 494

Re: 401k loan vs selling taxable

Wait until summer/bonus and THEN buy the house.

The waiting is the hardest part...
by bloom2708
Fri Jan 12, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Shares Are Wildly Overpriced. But Bonds May Be Even Worse
Replies: 34
Views: 5246

Re: Shares Are Wildly Overpriced. But Bonds May Be Even Worse

Fall back to "nobody knows nothin".

If the DOW hits 1,000,000 (Warren Buffet) then these prices will be wildly low. :wink:
by bloom2708
Fri Jan 12, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 1709

Re: Insurance: Who do you use? (Auto/Home)

bgf wrote:
Fri Jan 12, 2018 11:37 am
I use Cincinnati for home, auto, and soon for umbrella.
+1

+ umbrella
by bloom2708
Fri Jan 12, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 23
Views: 1075

Re: Yahoo Mail: Delete Not Working

Try a different browser. Chrome or Firefox.

Clear browsing history.
by bloom2708
Fri Jan 12, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5343

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

At least be 100% stocks with Total US + Total International.

Diversify people! :wink:
by bloom2708
Fri Jan 12, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: tax consequences of converting Vanguard MFs to ETFs
Replies: 13
Views: 685

Re: tax consequences of converting Vanguard MFs to ETFs

This seems to be a "Don't just do something, stand there" scenario.

For buy/hold investors, the mutual fund versions work great. No reason to switch.
by bloom2708
Thu Jan 11, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic Investment While Avoiding Fees?
Replies: 4
Views: 185

Re: Automatic Investment While Avoiding Fees?

If you are interested in the Vanguard index funds, why not pick Vanguard?

You can get to Admiral shares (lower cost) and no trading fees.

Sometimes I ask dumb questions. :annoyed
by bloom2708
Thu Jan 11, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: What career related challenges can one pursue after age 40?
Replies: 13
Views: 1378

Re: What career related challenges can one pursue after age 40?

At 46, I am thinking outside of the "career related" box. If you are not interested in management (I am not either), then it seems you either have to be satisfied to be on a certain plane or job hop. Higher education and extra certifications don't really interest me. I already don't have a lot of fr...
by bloom2708
Thu Jan 11, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Folio Review
Replies: 1
Views: 188

Re: Folio Review

I'll chime in.

Funds look good. Why both Vanguard Large and Fidelity Growth Company? For "extra" diversity? :wink:

You went with an International small cap tilt over a US small cap tilt? Tilt your own way...
by bloom2708
Thu Jan 11, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Telematics and Auto Insurance
Replies: 13
Views: 770

Re: Telematics and Auto Insurance

I wouldn't have any trouble with one of the units. I fall on the side of "grandpa/grandma" driver. My wife is more of a leadfoot/hard braker. :wink: I am going to see if my insurance company offers the device. Big Brother isn't much of a problem if you are a straight shooter. At least that is my take.
by bloom2708
Thu Jan 11, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Which Car To Keep
Replies: 25
Views: 1363

Re: Which Car To Keep

I would sell the Pilot and keep the Tundra. If you only used the pickup now and then, then you could look at renting a truck for those few occasions. We have a Uhaul about .5 miles away. $20 + mileage for a pickup rental. We also have an Enterprise Car Rental very close. If we had to have another 7-...
by bloom2708
Thu Jan 11, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Have Experience With Broker Degiro?
Replies: 4
Views: 325

Re: Anyone Have Experience With Broker Degiro?

I did a Google search. :|

Think about Degiro and then use Vanguard.

When you say "stocks" do you mean low cost, total market, index funds with extremely low cost and diversity? :wink:

Maybe the bump will get some additional looks.
by bloom2708
Thu Jan 11, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Alternatives to 401K
Replies: 14
Views: 906

Re: Alternatives to 401K

Welcome. I think you would be opening a taxable brokerage account (post-tax, not tax sheltered) and investing post-tax. Vanguard, Fidelity, Schwab are all good choices. A Solo 401k is for self-employed people. I don't get the impression that you are self-employed with the state retirement plan. You ...
by bloom2708
Thu Jan 11, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?
Replies: 48
Views: 6261

Re: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?

http://www.dinkytown.net/java/CompareFees.html This tool can be "fun" to look at. Use .1 for Vanguard, 1.0 and 1.5 (or higher) Simulate the effects starting now going forward for 10, 20 years as well. Eye opening numbers. :arrow: This is interesting. I am not sure how to use it though, like there a...
by bloom2708
Wed Jan 10, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Underwater 4-5k in vehicle.
Replies: 29
Views: 1694

Re: Underwater 4-5k in vehicle.

You at least try to sell yourself. Yes, Craigslist has some scammers. They also have a lot of buyers. Getting closer to Private Party Retail will close some of the gap. Bringing cash to the table will close the gap. My guess is you aren't paying cash for some/all of the new car purchase either. Vici...
by bloom2708
Wed Jan 10, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 2763

Re: What would you do with a 25 million windfall?

60/40 3 fund portfolio at Vanguard.

Up spending to ~750k/year. Figure out how to be happy. Travel. Work on fitness and hobbies. Help family. Give.