Search found 8781 matches

by bloom2708
Wed Jul 28, 2021 10:32 am
Forum: Personal Consumer Issues
Topic: Best way to learn golf
Replies: 29
Views: 2461

Re: Best way to learn golf

Grip, stance and lots of practice.

There are 100 things you can do wrong in your golf swing.

If you get the grip, stance and repeatability/simplicity down, then you can work on consistency.

Don't spend a bunch on fancy clubs until farther down the road.
by bloom2708
Tue Jul 27, 2021 1:18 pm
Forum: Personal Investments
Topic: Roth vs Traditional 401k for high savers who max our their 401k
Replies: 21
Views: 1453

Re: Roth vs Traditional 401k for high savers who max our their 401k

We know if you take 1% of your portfolio out each year (fees) that it has a dramatic affect over 20, 30, 40 years. If you can save 22% or 24% more by not paying the tax for 20, 30, 40 years, shouldn't you have a similar affect? I know if you have a big pile and you owe 24% tax 40 years down the road...
by bloom2708
Tue Jul 27, 2021 9:37 am
Forum: Personal Consumer Issues
Topic: New Garmin GPS - charging issue or not?
Replies: 39
Views: 1238

Re: New Garmin GPS - charging issue or not?

Did you leave the GPS on all night? Or did you power it down? Most car power adapters turn off when the car is not on, so charging will not happen. If the unit is on, in a garage and searching for GPS signal, the battery could run down fast. When you drive the GPS should charge back up if plugged in...
by bloom2708
Tue Jul 27, 2021 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Learning why real estate is so great
Replies: 33
Views: 5557

Re: Learning why real estate is so great

Buy more index funds and go golf 18 holes or go for a run or a bike ride or <insert ANY hobby>.
by bloom2708
Mon Jul 26, 2021 4:37 pm
Forum: Personal Investments
Topic: Roth vs Traditional 401k for high savers who max our their 401k
Replies: 21
Views: 1453

Re: Roth vs Traditional 401k for high savers who max our their 401k

Hard to give up the pre-tax shelter. I'd revisit when pre-tax is $1 million and then $1.5 million. Do either have a post-tax 401k option which then can be converted to Roth 401k? aka Mega Back Door Roth. If you have more to save, I'd look there first. Both maxing ESPP in a rolling buy/sell to harves...
by bloom2708
Fri Jul 23, 2021 4:53 pm
Forum: Personal Investments
Topic: Ways to lower the Expense Ratio
Replies: 22
Views: 1939

Re: Ways to lower the Expense Ratio

Retire and move your 403b to Vanguard or Fidelity. That saves on the expense ratios.
by bloom2708
Fri Jul 23, 2021 4:50 pm
Forum: Personal Investments
Topic: Are Bonds necessary if you have a pension and SS?
Replies: 28
Views: 3310

Re: Are Bonds necessary if you have a pension and SS?

Try it out and ask again if your $1 million becomes $400k. Until then it is all just guessing. Even last March was a short test. Will the "moar" market keep soaring forever? Nobody knows. If pension and SS covers you, 0% to 100% stocks could all work and everything inbetween. When the mark...
by bloom2708
Fri Jul 23, 2021 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: 529 and American Opportunity Tax Credit question
Replies: 2
Views: 290

Re: 529 and American Opportunity Tax Credit question

Spend $4,000 from non-529 and $6,000 from the 529.

You will have other expenses that can qualify. The key is using some non-529 for a portion.
by bloom2708
Fri Jul 23, 2021 3:22 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 409
Views: 30261

Re: Tips to stick to a weight loss diet?

bloom- thanks and stick with it! Yes it is exactly that- a whole foods plant based lifestyle ! Diets do not work. You have to change your life. We have found it quite refreshing to not buy meat when the prices have been crazy. We always find beans for super cheap. Also not worrying about meat clean...
by bloom2708
Fri Jul 23, 2021 1:34 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 409
Views: 30261

Re: Tips to stick to a weight loss diet?

Calorie Density is the most important factor for food. forget glycemic index....this has very little practical effect. Forget simple vs. complex carbs. Too much confusion. A good carb is one that is UNrefined and UNprocessed. The refining process reduces water, fiber and nutrients (basically everyt...
by bloom2708
Thu Jul 22, 2021 3:31 pm
Forum: Personal Investments
Topic: Seeking Wisdom...what should I do?
Replies: 26
Views: 1760

Re: Seeking Wisdom...what should I do?

With 5 kids, I'd start on the 529s over the mortgage at 2.25%.

You don't mention Roth IRAs for either of you. You can contribute $6k to each on your earning record.

Fill those up and then 529s.
by bloom2708
Thu Jul 22, 2021 11:06 am
Forum: Personal Finance (Not Investing)
Topic: House for my daughter
Replies: 31
Views: 4238

Re: House for my daughter

Jack FFR1846 wrote: Thu Jul 22, 2021 6:40 am It sounds like your daughter is a great candidate to rent for many years.
+1

Nothing like starting out with a giant anchor around your ankles.
by bloom2708
Thu Jul 22, 2021 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay: value vs. chip credit card
Replies: 77
Views: 5325

Re: Apple Pay: value vs. chip credit card

You import your credit cards/debit cards into your Apple Wallet. It is really pretty easy and mostly automated. The benefit is you can leave the house without your physical cards. Many stores now accept touchless pay. You double click the power button and face ID approves. Then just hover near the c...
by bloom2708
Thu Jul 22, 2021 9:10 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 605
Views: 239196

Re: TV show recommendations?

I'm not usually a musical fan, but Schmigadoon on Apple TV+ has been entertaining.

Also, Ted Lasso Season 2 starts tomorrow on Apple TV+. The first season was really good.
by bloom2708
Wed Jul 21, 2021 1:50 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 409
Views: 30261

Re: Tips to stick to a weight loss diet?

A tough nut to discuss these topics with stoptothink. From all my "research". The food is not the problem. :wink: If you are overweight and have terrible health issues, it is 1) bad luck and 2) random gene failure 3) someone else's fault Have a malady? Take some pills and keep eating exact...
by bloom2708
Wed Jul 21, 2021 1:41 pm
Forum: Personal Consumer Issues
Topic: Used Trucks
Replies: 11
Views: 1209

Re: Used Trucks

For 6 seats in a pickup, you need the front bench seat. That requirement will reduce the available options. Do you need the long box or will the 5.5 or 6.5 box fit? 2015 was the first year of the aluminum F-150. I'd shoot for a 2015 SuperCrew with 80k miles to 90k miles and the box size you want. $2...
by bloom2708
Mon Jul 19, 2021 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on how to retire with two underwater properties
Replies: 49
Views: 4382

Re: Need advice on how to retire with two underwater properties

Bankruptcy is a last resort, but if they have no sellable assets, it seems the likely course. A short sale with a judgement for the balance will also likely result in bankruptcy. The credit card debt doesn't seem likely to be paid in any scenario. They could work with the mortgage/HELOC holders and ...
by bloom2708
Mon Jul 19, 2021 11:57 am
Forum: Personal Consumer Issues
Topic: higher toilet
Replies: 48
Views: 3544

Re: higher toilet

Costco member?

Costco has a nice one piece or two piece WaterRidge toilet. High seat. Soft close seat/lid. Two button flush.

Very reasonable price if a Costco member.
by bloom2708
Mon Jul 19, 2021 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity
Replies: 67
Views: 4809

Re: Vanguard vs. Fidelity

I hate this argument from Vanguard users. It's been decades already. (Fidelity had index funds since like 1988. Can we stop this fear mongering? Plenty of Bogleheaders use Fidelity or Schwab as their main brokerages and are still doing perfectly fine.) If anything, Vanguard has higher fees than the...
by bloom2708
Sat Jul 17, 2021 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity
Replies: 67
Views: 4809

Re: Vanguard vs. Fidelity

I would stay with Vanguard if you want Vanguard funds.

They are both good. But, Fidelity could add fees at some point. Future unknown.

Don’t just do something. Stand there.
by bloom2708
Sat Jul 17, 2021 10:41 am
Forum: Personal Consumer Issues
Topic: Everyday sneakers: How often do you change?
Replies: 47
Views: 4583

Re: Everyday sneakers: How often do you change?

I have 5-6 pairs of Brooks Adrenaline GTS.

Newest pair reserved for running.

The others are from 6 months to 4-5 years.

The oldest are mowing shoes.

All are still comfortable. I like to trade off for a few days.

That makes them all last longer.

I toss when they look too bad to mow in.
by bloom2708
Fri Jul 16, 2021 2:51 pm
Forum: Personal Investments
Topic: How to invest $1,000,000 sudden windfall ??
Replies: 51
Views: 7997

Re: How to invest $1,000,000 sudden windfall ??

What does the 5 years signify?

If you need $1 million or more in 5 years, the 100% stocks is probably not the way to go.

You are 40, How about 70% Total US stock index and 30% something safer. Int term treasuries or maybe a tax-exempt bond index depending your state of residence.
by bloom2708
Fri Jul 16, 2021 2:13 pm
Forum: Personal Consumer Issues
Topic: single or two stage system for 2 story house with upstairs cooling issues?
Replies: 22
Views: 1868

Re: single or two stage system for 2 story house with upstairs cooling issues?

To me "zone" means 2 furnace/ac units with unique ducts for each. Many newer builds now have 2 dedicated smaller units. One for the top level and one for the bottom 2 levels. Or one larger unit and one smaller unit for the 2nd level on 2 story houses. My brother in laws place has this. One...
by bloom2708
Fri Jul 16, 2021 1:15 pm
Forum: Personal Consumer Issues
Topic: single or two stage system for 2 story house with upstairs cooling issues?
Replies: 22
Views: 1868

Re: single or two stage system for 2 story house with upstairs cooling issues?

I think you will be happy you went for the 2 stage. Even if it doesn't solve your "warm upstairs" issue. We have the fan run 50 minutes of each hour. This mixes the air and kind of prevents pooling of cold/warm air. I have an ecobee3 with sensors on each level. In the summer I can say cool...
by bloom2708
Thu Jul 15, 2021 4:52 pm
Forum: Personal Consumer Issues
Topic: Problems with the nanny
Replies: 25
Views: 1730

Re: Problems with the nanny

Firemenot wrote: Thu Jul 15, 2021 4:50 pm If you and your wife are vaccinated I wouldn’t think twice about it.
+1
by bloom2708
Thu Jul 15, 2021 9:24 am
Forum: Personal Investments
Topic: Maxed 401K, Roth IRA, HSA...now what!!
Replies: 21
Views: 2105

Re: Maxed 401K, Roth IRA, HSA...not what!!

Mega back door Roth
Harvest ESPP
Pay off debt
Taxable
529

There are more ways to save than most have money to save. Something will pop up.
by bloom2708
Wed Jul 14, 2021 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: how much does downsizing save in taxes, utilizes, upkeep etc?
Replies: 28
Views: 3311

Re: how much does downsizing save in taxes, utilizes, upkeep etc?

The major difference would be the money in your pocket less selling fees. If we sold our house for $500k and could find a $300k house we could live in, you would put $160-$170k in your pocket. A FIRE boost. Property taxes would be less. A smaller footprint could mean lower heating/cooling. Two story...
by bloom2708
Wed Jul 14, 2021 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Am I calculating amount needed to retire correctly?
Replies: 10
Views: 1301

Re: Am I calculating amount needed to retire correctly?

That number might work, but it is too far out and too many variables. Too many forks in the road and unknowns. I'd think more about saving 20%+ of your income (whatever it is). Setting the goal to fully utilize your work plan, Roth IRA, HSA, taxable account and other tools available at some point. E...
by bloom2708
Wed Jul 14, 2021 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Flipping your car lease now??
Replies: 21
Views: 1670

Re: Flipping your car lease now??

If your buyout value + taxes + fees < trade-in or wholesale value, then it certainly might make sense to buy at the end of the lease. I find that buying is just a bit more expensive than I expect and my trade-in/wholesale value is quite a bit less than I expect. Together with the hassle factor, you ...
by bloom2708
Mon Jul 12, 2021 12:04 pm
Forum: Personal Consumer Issues
Topic: Streaming service for Movies & TV?
Replies: 15
Views: 971

Re: Streaming service for Movies & TV?

Movies - Disney + or HBO Max (maybe flip flop every few months)

TV - Netflix (Hulu would be 2nd)

Add and cancel at will.
by bloom2708
Fri Jul 09, 2021 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Immediate Annuity, opinions wanted
Replies: 74
Views: 4571

Re: Will I be able to generate enough income?

Read the book “ Die With Zero” by Bill Perkins.

How about spend $200k and be ok with your portfolio slowly getting smaller.

Spend, give, live. At 59 you have “work” to do to reduce the pile.
by bloom2708
Fri Jul 09, 2021 2:58 pm
Forum: Personal Consumer Issues
Topic: Family travelers: how are you scratching your itch?
Replies: 7
Views: 729

Re: Family travelers: how are you scratching your itch?

We took a family trip to Zion and Bryce Canyon in March. With a stop in Las Vegas. We had a blast. Things should be more open now. The biggest issue today is everyone traveling is traveling domestic and places are BUSY. We beat the summer crush going in March. You can social distance and wear masks ...
by bloom2708
Thu Jul 08, 2021 3:58 pm
Forum: Personal Consumer Issues
Topic: [Electric lawnmower battery replacement]
Replies: 108
Views: 6691

Re: [Electric lawnmower battery replacement]

I almost bought the 2 stage Ego snow blower last fall. But it was brand new and there were few reviews at the time. 2 x 7.5ah batteries. It isn't cheap. But, that would get me "gas free" on all lawn implements. My old snow blower still runs, but it is a 2003 model and held together with ba...
by bloom2708
Thu Jul 08, 2021 2:03 pm
Forum: Personal Consumer Issues
Topic: [Electric lawnmower battery replacement]
Replies: 108
Views: 6691

Re: [Electric lawnmower battery replacement]

Some of the newer EGO mower packages come with a 10 Ah battery versus the 7.5 but your point stands - you won't be able to mow an acre (not even half an acre) with a single battery charge regardless of which of these two batteries you have. I have half an acre and have stuck with gas thus far. My s...
by bloom2708
Thu Jul 08, 2021 8:26 am
Forum: Personal Consumer Issues
Topic: [Electric lawnmower battery replacement]
Replies: 108
Views: 6691

Re: [Electric lawnmower battery replacement]

+1 for buying a battery on eBay. I keep my Ego batteries inside all year. Not too hot. Not too cold. Just right. I don't charge them immediately after using. I don't run them to empty. I don't mow if it is 100 outside. I use the slower charger. I have a fast charger, but I think they are tougher on ...
by bloom2708
Wed Jul 07, 2021 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can we be done working and be ok?
Replies: 201
Views: 13849

Re: Can we be done working and be ok?

Just spend $45k and it likely works. Not at $85k. We are 50/51 with not as much taxable but more overall and $85k just won't work. Kids are expensive. College is expensive. If you want a case study, check out www.rootofgood.com Justin and family (3 kids) are retired in 30s. Similar numbers. How do t...
by bloom2708
Wed Jul 07, 2021 3:01 pm
Forum: Personal Consumer Issues
Topic: single or two stage system for 2 story house with upstairs cooling issues?
Replies: 22
Views: 1868

Re: single or two stage system for 2 story house with upstairs cooling issues?

We have cooling issues on the top floor. Basement is frequently 10 degrees cooler. Vents closed on lower level. Open on top level. Partially open on main level. Cold air sinks, the furnace/AC is in the basement. A long way to push cool/heavier air. I like the mini-split idea. I have tinkered around ...
by bloom2708
Wed Jul 07, 2021 12:27 pm
Forum: Personal Consumer Issues
Topic: Portable bluetooth speakers
Replies: 30
Views: 2543

Re: Portable bluetooth speakers

Even the best Bluetooth speaker will only get you so far. If you want to climb the ladder, a Bluetooth receiver with a 2 speaker/1 sub system can get you pretty far for not that much money. Bluetooth is portable which is nice, but you have to be happy with the sound they give. I have a Bose SoundLin...
by bloom2708
Wed Jul 07, 2021 9:04 am
Forum: Personal Investments
Topic: helping rebalance portfolio in short/medium term.
Replies: 4
Views: 661

Re: helping rebalance portfolio in short/medium term.

I would reduce the Employer Stock to <10% with some plan. Too much concentration there. At 44, 70/20/10 seems more logical. You are farther down the road, no need to take extra risk when you don't have to. Move 10% of cash to VTI - No need to buy "something else". Move 10% to an Int-Term b...
by bloom2708
Tue Jul 06, 2021 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How did you arrive at your probable age of death?
Replies: 220
Views: 14321

Re: How did you arrive at your probable age of death?

Check some longevity calculators.

Use a number when your % gets to about 25%.

That is upper 80s for me. So I'll use 90. Men in my family don't make it to 90, but I'm trying to "beat them" by changing some things.

It may work. It may not. If it doesn't work, I'll be dead anyway.
by bloom2708
Tue Jul 06, 2021 8:48 am
Forum: Personal Consumer Issues
Topic: how and where to shop for used Toyota Tacoma pickup truck
Replies: 15
Views: 1317

Re: how and where to shop for used Toyota Tacoma pickup truck

carsforsale.com Advanced Search Enter in all the things relevant. Manual. 4x2 or RWD, etc. Here was a search for me. https://www.carsforsale.com/search?city=Briarwood&state=ND&zipcode=58104&radius=500&minmodelyear=1901&maxmodelyear=2022&orderby=Relevance&orderdirection=De...
by bloom2708
Sun Jul 04, 2021 2:57 pm
Forum: Investing - Theory, News & General
Topic: Does anyone regret saving too much in tax-deferred?
Replies: 88
Views: 9486

Re: Does anyone regret saving too much in tax-deferred?

No.

Use all the tools.

Paying tax when 72, 75, 80 means you are still alive.

Many love paying all the tax they can when young and dislike paying tax when old.

Do your best and no regrets.
by bloom2708
Sun Jul 04, 2021 2:53 pm
Forum: Personal Investments
Topic: Double checking my choice to do 100% roth contrbutions.
Replies: 19
Views: 2261

Re: Double checking my choice to do 100% roth contrbutions.

When you do not make much money your savings go farther by using the pre-tax 401k, HSA, Roth, then back to 401k strategy.

Saving more when in 20s will do you well down the road.
by bloom2708
Fri Jul 02, 2021 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Burned out in the last few miles of the journey.... Any hope?
Replies: 90
Views: 10264

Re: Burned out in the last few miles of the journey.... Any hope?

You might read the book "Die With Zero". It won't help with your decision but might give you other things to think about. Is a move back to an Individual Contributor an option? I dabbled with managing a team of 6. Went back to an IC. It helped. I'm 50 with not as much assets in a much lowe...
by bloom2708
Thu Jul 01, 2021 3:26 pm
Forum: Personal Consumer Issues
Topic: Wood beams- what to do? [Wood beams in ceiling]
Replies: 26
Views: 1779

Re: Wood beams- what to do?

The one thing about veneers (thin wood) is that the surface must be very flat or they transpose every imperfection to the veneer surface. Also, depending on the veneer thickness and backing, it can be hard to disguise the joint where two perpendicular faces meet such as what would find when trying ...
by bloom2708
Thu Jul 01, 2021 2:30 pm
Forum: Personal Consumer Issues
Topic: Wood beams- what to do? [Wood beams in ceiling]
Replies: 26
Views: 1779

Re: Wood beams- what to do?

How about a new wood (of your choice) wrap? Essentially a new top layer. How does this work? We've got beams in our LR, and they were all painted to match the white ceiling... who knows how far back. And thus, we have no idea if they are simply "beams intended to be painted", or if they w...
by bloom2708
Thu Jul 01, 2021 1:03 pm
Forum: Personal Consumer Issues
Topic: Wood beams- what to do? [Wood beams in ceiling]
Replies: 26
Views: 1779

Re: Wood beams- what to do?

How about a new wood (of your choice) wrap?

Essentially a new top layer.
by bloom2708
Thu Jul 01, 2021 9:49 am
Forum: Personal Consumer Issues
Topic: Which 7 seater SUV?
Replies: 59
Views: 5151

Re: Which 7 seater SUV?

I’m not sure how the answer isn’t Lincoln Navigator. Many of the other SUVs in this chain are too small to meet your needs. I’d argue you can get the Ford Expedition for less money but I’m trying to hone in on “luxury”. Checks all your boxes. Not as bulky to drive as you’d expect. The nose angle ma...
by bloom2708
Thu Jul 01, 2021 9:42 am
Forum: Personal Consumer Issues
Topic: Would you send your kids to a high school rated 3 of 10?
Replies: 91
Views: 6433

Re: Would you send your kids to a high school rated 3 of 10?

Have a 10 kid in a 3 school or Have a 3 kid in a 10 school :D School ratings are kind of a joke. I wouldn't trust a 3 or a 10 rating. Look at different rating tools. A good student with parents that care will excel anywhere. The difference might be AP classes and extracurriculars, things like that.
by bloom2708
Thu Jul 01, 2021 9:39 am
Forum: Personal Consumer Issues
Topic: I made a 100k mistake
Replies: 63
Views: 8143

Re: I made a 1.5 mm mistake

How long have you been in the new house? I would give it more time. Big change is always hard to absorb. Nothing is as bad as it seems. Nothing is as good as it seems. We haven't even moved in! But moving in a few weeks. Closed 2 months ago but were waiting for the school year to end. Oh boy. That ...