Search found 4974 matches

by bloom2708
Fri Dec 07, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 41
Views: 2410

Re: portable jump starters

I keep mine out in the open in the garage year round to remind myself to charge it often. I use it quite often. It has USB chargers and I use it for camping/charging devices. It has an air compressor. Although small/slow, it works. Several jump starts. I even used it to drive my kids car (alternator...
by bloom2708
Fri Dec 07, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 32
Views: 1744

Re: Portable Bluetooth Speaker Recommendations (loud and good sound quality)

The new KEF lsx wireless. Don't worry about the price. You're getting a TRUE taste if audiophile quality sound, in a very high quality and attractive package. Add a Tidal Hi-Fi subscription and be amazed. I've had these on my Amazon list for a while. The green/fabric would be a nice Christmas gift ...
by bloom2708
Thu Dec 06, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Young professionals in CA - $80K Roth conversion?
Replies: 25
Views: 1493

Re: Young professionals in CA - $80K Roth conversion?

I don't mean to hijack this thread, but since I am also in the similar question, posting it here. We have around 170k wages and income for 2018. Looking at the recent marhet movement, I am thinking of doing ROTH conversion of my traditional IRA. Status: Married Ages: 55, 58 State: California Assets...
by bloom2708
Thu Dec 06, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to buy on the dip today didn't workout
Replies: 44
Views: 5850

Re: Wanting to buy on the dip today didn't workout

Does Vanguard not have a "sell to buy" choice? It's how I rebalance at Fidelity. Zero time out of market. They do. Exchange is the term. But, I don't think you can "Exchange" and transfer from taxable to Roth IRA in one transaction. That is what is tripping up the scenario. You can buy and pull fun...
by bloom2708
Thu Dec 06, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Alternatives to TIVO
Replies: 25
Views: 15322

Re: Alternatives to TIVO

Amazon Fire TV (stick or box) + Fire TV Recast (OTA DVR) is an option to look at. I have not yet bought the Recast, but it is designed to be at OTA DVR. Reviews are good, but it sounds like a few tweaks need to be made. I am thinking "Santa" may buy it for me for Christmas. :wink: If you are Amazon ...
by bloom2708
Thu Dec 06, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 32
Views: 1744

Re: Portable Bluetooth Speaker Recommendations (loud and good sound quality)

Bose Revolve is another multi-directional option. https://www.amazon.com/Bose-SoundLink-Portable-Bluetooth-739523-1110/dp/B06XNKKT4K/ref=sr_1_3?s=electronics&ie=UTF8&qid=1544122019&sr=1-3&keywords=bose%2Brevolve&th=1 We have several Bose SoundLink Mini/Mini 2. They sound great. Good bass and plenty ...
by bloom2708
Thu Dec 06, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1826

Re: How to cheaply replace my smartphone?

Woot has the Samsung Galaxy S8 for $309 today. Refurb.

https://electronics.woot.com/offers/sam ... vzwgsmsd-1

Pretty good price for a flagship phone. 1 gen behind the S9.

Going from J7 to S8 would be a nice upgrade. But maybe too much $$.
by bloom2708
Thu Dec 06, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to buy on the dip today didn't workout
Replies: 44
Views: 5850

Re: Wanting to buy on the dip today didn't workout

Well, you have another "dip" today. Does that make a Monday buy a double-dip? Do you have $4k you can put in your linked checking account and execute from your bank account? Then when the taxable sale settles, move that $4k to your bank account. By selling in taxable first, you are doing a 2 part tr...
by bloom2708
Thu Dec 06, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1826

Re: How to cheaply replace my smartphone?

You can have 5 phones (if you wanted to) and move the SIM between them as needed. That sounds too good to be true! If only things were this simple. It seems phones are designed for some networks and not others. Seems verizon (cdma) needs some special kind of phone? Sure, the phone would have to be ...
by bloom2708
Thu Dec 06, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1826

Re: How to cheaply replace my smartphone?

If your new phone (say a Moto G6) has the same sized SIM slot, then you do not need to go to the store to activate. Take the SIM out of your old phone and slide it in the new phone. Power up. Usually the slot is under/near the battery. You can have 5 phones (if you wanted to) and move the SIM betwee...
by bloom2708
Thu Dec 06, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 90
Views: 10806

Re: 20M Inheritance - What is best option for small/no risk on principle?

With a windfall like this, you are in the position where you do not have to risk principle. CD rates are up a bit, but you still have some inflation risk with an all CD strategy. If you just sit on $20 million for 10 years and earn 0% real, then you don't have $20 million anymore as your purchasing...
by bloom2708
Thu Dec 06, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Referral for an attorney for estate planning in MN
Replies: 7
Views: 518

Re: Referral for an attorney for estate planning in MN

Hello, You probably want to narrow it down a bit by location. Which general area? Are you Twin Cities? Duluth? Moorhead? Iron Range? Iowa border? Minnesota is pretty big and you probably want to meet face to face, so if you are in the cities and I give you a Brainerd referral, that may not work too ...
by bloom2708
Thu Dec 06, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 90
Views: 10806

Re: 20M Inheritance - What is best option for small/no risk on principle?

Start here: https://www.bogleheads.org/wiki/Managing_a_windfall We would need more information to really help. If you spend $2 million/year, $20 million isn't all that much. If you spend $150k/year, you are set many times over. With a windfall like this, you are in the position where you do not have...
by bloom2708
Wed Dec 05, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Young professionals in CA - $80K Roth conversion?
Replies: 25
Views: 1493

Re: Young professionals in CA - $80K Roth conversion?

Once you pay a tax dollar, it can never be unpaid. A lot can happen over the next 30-40 years. I would not convert or be in a hurry to pay 31% tax. With the current tax brackets it takes $2,000,000 pre-tax to get to the 24% bracket using 4% withdrawal. People will scrimp and save .1% or .2% on expe...
by bloom2708
Wed Dec 05, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Young professionals in CA - $80K Roth conversion?
Replies: 25
Views: 1493

Re: Young professionals in CA - $80K Roth conversion?

Once you pay a tax dollar, it can never be unpaid. A lot can happen over the next 30-40 years. I would not convert or be in a hurry to pay 31% tax. With the current tax brackets it takes $2,000,000 pre-tax to get to the 24% bracket using 4% withdrawal. People will scrimp and save .1% or .2% on expen...
by bloom2708
Wed Dec 05, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Financially Able to Retire?
Replies: 21
Views: 3218

Re: Financially Able to Retire?

I think the OP will be fine. Is "fine" good enough?

Downsize the house and spend $20k less and they can do whatever they want.
by bloom2708
Tue Dec 04, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie investor, portfolio diversification... and is 100% stocks OK?
Replies: 16
Views: 564

Re: Newbie investor, portfolio diversification... and is 100% stocks OK?

As samsdad mentions, it is not unanimous to own a 3 fund style portfolio. US stocks, International stocks, US bonds. Don't do anything until you do a lot of reading and read up. International stocks can lag US stocks for long period. The inverse can happen. There are those that do not own internatio...
by bloom2708
Tue Dec 04, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie investor, portfolio diversification... and is 100% stocks OK?
Replies: 16
Views: 564

Re: Newbie investor, portfolio diversification... and is 100% stocks OK?

Calculate your percentages based on the total of all accounts.

20% bonds is of the total of your portfolio
30% International would be the same

Not just in each account.
by bloom2708
Tue Dec 04, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about downsizing car
Replies: 27
Views: 1827

Re: Thinking about downsizing car

To be clear on the CC, I would build up cash when my usual monthly expenses. I’m already doing this for some risk free bank bonuses. I just wasn't clear how using a 0% CC builds cash. You still have to pay the CC bill each month. You could use a Debit card and pay no fees. I don't think the cash re...
by bloom2708
Tue Dec 04, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie investor, portfolio diversification... and is 100% stocks OK?
Replies: 16
Views: 564

Re: Newbie investor, portfolio diversification... and is 100% stocks OK?

At 34, 20% bonds would be about right (for me). Why both Total US market and S&P 500? You are tilting heavily to large cap and the Total Market is already skewed toward large cap stocks. I would sell your S&P 500 stakes in taxable (noting gains in taxable) and 403b. Shoot for a 70/30 mix of US and ...
by bloom2708
Tue Dec 04, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about downsizing car
Replies: 27
Views: 1827

Re: Thinking about downsizing car

To be clear on the CC, I would build up cash when my usual monthly expenses. I’m already doing this for some risk free bank bonuses. I just wasn't clear how using a 0% CC builds cash. You still have to pay the CC bill each month. You could use a Debit card and pay no fees. I don't think the cash re...
by bloom2708
Tue Dec 04, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put more into my IRA each month?
Replies: 14
Views: 1141

Re: Should I put more into my IRA each month?

Does your workplace offer a retirement plan? 401k/403b/457/Thrift Savings Plan. You use the term IRA generically. There are Traditional (pre-tax) IRAs, Roth IRAs (post-tax) and Non-deductible IRAs. Are you doing the Traditional/Pre-tax IRA? That would imply you have no workplace retirement plan. The...
by bloom2708
Tue Dec 04, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie investor, portfolio diversification... and is 100% stocks OK?
Replies: 16
Views: 564

Re: Newbie investor, portfolio diversification... and is 100% stocks OK?

At 34, 20% bonds would be about right (for me). Why both Total US market and S&P 500? You are tilting heavily to large cap and the Total Market is already skewed toward large cap stocks. I would sell your S&P 500 stakes in taxable (noting gains in taxable) and 403b. Shoot for a 70/30 mix of US and I...
by bloom2708
Tue Dec 04, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about downsizing car
Replies: 27
Views: 1827

Re: Thinking about downsizing car

To be clear on the CC, I would build up cash when my usual monthly expenses. I’m already doing this for some risk free bank bonuses. I just wasn't clear how using a 0% CC builds cash. You still have to pay the CC bill each month. You could use a Debit card and pay no fees. I don't think the cash re...
by bloom2708
Tue Dec 04, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about downsizing car
Replies: 27
Views: 1827

Re: Thinking about downsizing car

I would keep and drive your current car through the warranty period. 0% CC to buy the next car sounds like a bad idea. 0% usually is not on cash withdrawals. If you say you can sell the German car for $25k and you are going to buy an $18k Toyota Corolla LE and buy stocks with the other $6k, I really...
by bloom2708
Tue Dec 04, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Thread
Replies: 13
Views: 1453

Re: Another Home Affordability Thread

I would lean toward renting a "perfect place" with more space just based on the big numbers. Hopefully others will give you their ideas. Renting can get very expensive in a hurry. When your 6k rent goes to 10k in 10 years, you realize you should have bought:) It is really all about alternatives. If...
by bloom2708
Tue Dec 04, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Thread
Replies: 13
Views: 1453

Re: Another Home Affordability Thread

What do the commutes look like in the new location? Any desire for spouse to stay home with the kids when they are a bit older? $1.2 million is < 2.5 x salary. In theory you easily qualify. In practice, those are some big numbers and you are locking in to a lifestyle. In certain areas, $1.7 might no...
by bloom2708
Tue Dec 04, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2336

Re: Looking for a nice travel watch... recommendations?

Samsung GearFit2 Pro

Give your fitness a kick in the pants and look good doing it. :wink:
by bloom2708
Tue Dec 04, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Why Is Insurance Worth It (Analytically)?
Replies: 89
Views: 4129

Re: Why Is Insurance Worth It (Analytically)?

Are you single or married? Kids? Sometimes things aren't for you but for family. As a stoic, I would say "expect bad things to happen". A lot of them . That is life. On the flip side you can order them in priority and choose to insurance based on your circumstances. The worst part of insurance is yo...
by bloom2708
Tue Dec 04, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?
Replies: 11
Views: 800

Re: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?

If you want to make the analogy, the more expensive speakers don't return less like the average active fund. They return more - whether it's more volume, a flatter frequency response, faster settling for more precision, or a combination. It might not be more of what you're seeking, but it is more. ...
by bloom2708
Tue Dec 04, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401k fund okay for 100% allocation?
Replies: 7
Views: 304

Re: Is this 401k fund okay for 100% allocation?

.35 is reasonable for an S&P 500 index based fund. If your marginal tax bracket is 22 or 24%, pre-tax 401k allows you to defer 22 or 24% in tax. Your check is bigger because you don't pay the tax until 30 years down the line. Put the savings in your Roth IRA. Pre-tax 401k + Roth IRA. Work toward max...
by bloom2708
Tue Dec 04, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawals - Online vs. Paper Form
Replies: 7
Views: 560

Re: 529 Withdrawals - Online vs. Paper Form

Non-qualified means that you are not using the funds to pay for college (or now private tuition) related/approved expenses. You would then owe tax on the gain portion of the withdrawal. That's not his question. His question is why do they allow qualified withdrawals to be done online, but non-quali...
by bloom2708
Tue Dec 04, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Trade-off: stability for money
Replies: 8
Views: 688

Re: Trade-off: stability for money

It is always good to re-evaluate where you are and where you want to be. Approaching 30 is a good time to do so. Your work/life balance is not where you want it to be. That happens. You can decide to change or stick it out for another couple years. At 30, your window for having kids is narrower. For...
by bloom2708
Tue Dec 04, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawals - Online vs. Paper Form
Replies: 7
Views: 560

Re: 529 Withdrawals - Online vs. Paper Form

Non-qualified means that you are not using the funds to pay for college (or now private tuition) related/approved expenses.

You would then owe tax on the gain portion of the withdrawal.
by bloom2708
Tue Dec 04, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vang Wellesley for Retirement
Replies: 37
Views: 4201

Re: Vang Wellesley for Retirement

Wellesley has ~100 stocks and 1,000 bonds.

Total US has 3,600 stocks and Total US bond has 10,000 bonds.

That would be the only thing to give me pause with an all Wellesley strategy. A much thinner slice of everything. Same for Wellington.
by bloom2708
Tue Dec 04, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Choices for Retirement - I have good options but wife doesnt
Replies: 5
Views: 556

Re: Choices for Retirement - I have good options but wife doesnt

My vote is for pre-tax 401k + back door Roth IRA for each. $19k x 2 for pre-tax 401k in 2019. $6k x 2 for back door Roth IRA in 2019. His/Hers/Family HSA if that is an option for another pre-tax $7,000. After that, student loans? Or start a taxable brokerage account. 457 Roth is another option. You ...
by bloom2708
Tue Dec 04, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Merill Lynch 401k investment choices
Replies: 5
Views: 240

Re: Merill Lynch 401k investment choices

ISHARES S&P 500 INDEX FD INSTL BSPIX (0.11%) LORD ABBETT SHT DURATION INCOM LALDX (0.59%) I would go with these 2. Do you have some bond space in Roth IRAs? 1.05% for the Stable Value. :shock: FEDERATED CAPITAL PRES CL SP FCSPT (1.05%) I don't know what % of bonds you need to find room for. This 401...
by bloom2708
Tue Dec 04, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?
Replies: 11
Views: 800

Re: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?

Home audio and investing have many similarities. I spent a lot of money on HDMI switching receivers and 5.1 and 7.1 sound systems. I had thunderously loud/awesome subs and watched Lord Of The Rings with resounding sound. It is pretty cool. Compare this with our active managed portfolio of overlappin...
by bloom2708
Tue Dec 04, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4092

Re: Will we make it saving only in employer plans?

OP, I would sit down with your wife and see if you can make saving as much fun as spending. Let's say your goal is to "back door" $3k each into your Roth IRAs for 2019. That is 1/2 of the $6,000 Roth allowance for each. I would guess with a few changes and working together you can set some more mone...
by bloom2708
Mon Dec 03, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: First RMD
Replies: 3
Views: 642

Re: First RMD

Your cash account is just the settlement account. Money transferred in or out lands there. You may get 1-2 days interest while it sits. No real tax implication. Once the sell transaction settles and the money is in the cash/settlement account, then transfer part/all to checking. You just have to wai...
by bloom2708
Mon Dec 03, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Renting out 1st first home; how to get mortgage for second?
Replies: 37
Views: 2722

Re: Renting out 1st first home; how to get mortgage for second?

Triple check and make sure you want to be a cross country small business owner. How will you handle maintenance and repair issues? Are you going to pay a management company to manage it? Your $3,000 clearing will be diluted by property taxes, income taxes, repairs/maint and vacancies. My sister had ...
by bloom2708
Mon Dec 03, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: New TV and a black screen
Replies: 22
Views: 1121

Re: New TV and a black screen

Are you using the TV remote or the Cable Box remote? Which power button are you using to turn the TV back on? It seems like the TV is being powered off and the cable box is going into sleep mode. The video is not getting the signal to come back on. With HDMI it isn't like it used to be hooked direct...
by bloom2708
Mon Dec 03, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Stocks to Pay Off Mortgage
Replies: 73
Views: 4953

Re: Out of Stocks to Pay Off Mortgage

We paid ours off in August 2007. Similar scenario. Note the timing compared to the late 2007 to 2010 market tumbles. We certainly had no insight into what was to come. We just decided it was time to be done with the mortgage. An excellent example of a situation where it could have been difficult to...
by bloom2708
Mon Dec 03, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: First Triathlon. What bike to buy?
Replies: 34
Views: 1822

Re: First Triathlon. What bike to buy?

Craigslist is full of high end Tri bikes for sale. I vote to use the hybrid. A kick butt athlete is a beast on any bike.

Make sure it (triathlons) takes and is not just a "check it off the bucket" list type of activity.
by bloom2708
Mon Dec 03, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Stocks to Pay Off Mortgage
Replies: 73
Views: 4953

Re: Out of Stocks to Pay Off Mortgage

We paid ours off in August 2007. Similar scenario. Note the timing compared to the late 2007 to 2010 market tumbles. We certainly had no insight into what was to come. We just decided it was time to be done with the mortgage. After paying it off, we actually bumped up our percentage of stocks compar...
by bloom2708
Mon Dec 03, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with strategy for $ for a possible house upgrade or addition
Replies: 5
Views: 470

Re: Help with strategy for $ for a possible house upgrade or addition

Use the $155k CD in taxable. Roll it over for 1 or 2 more years for a 1 year term. Is there a reason why you are bucketing only a portion of that CD? As a Boglehead, I would get out of the individual stocks and Merrill Edge. I would continue to max out pre-tax 403b and 2 x Roth IRA (front or back do...
by bloom2708
Mon Dec 03, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?
Replies: 36
Views: 3546

Re: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?

The original poster is in the "discovery" phase. That has to run it's course. As you un-peel the fees, you will move to "disgust/shock/unable to sleep" phase. Then you will move to an "action" phase. Action phase may take several weeks or a month to implement. Fees kill. You can do a myriad of index...
by bloom2708
Sat Dec 01, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Advice For My Age Update
Replies: 7
Views: 1160

Re: Advice For My Age Update

Great progress.

A house or real estate is not required.

Owning your own business is not required.

Keep saving and have some fun along the way.

Many paths ahead.
by bloom2708
Sat Dec 01, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Allocations need work
Replies: 9
Views: 532

Re: Allocations need work

If you have a taxable brokerage account at Vanguard, perhaps: Int-Term Treasury Index Fund Admiral (VSIGX) would be an option. .07% expense ratio. Or a mix of Short-Term (VSBSX) and Int-Term (VSIGX) Treasury Funds. Vanguard Prime Money Market is over 2% as well. Limited-Term and Int-Term Tax-Exempt...
by bloom2708
Fri Nov 30, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP versus regular health plan
Replies: 12
Views: 1267

Re: HDHP versus regular health plan

What is the co-insurance split once you hit your deductible? Does the employer chip in anything to your HSA with the HDHP? Is your company keeping the PPO type plan indefinitely? It looks like they made the two plans to be similar. Your monthly cost drops. Your deductible goes up by a bit more than ...