Search found 4754 matches

by bloom2708
Tue Oct 16, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Reasonable cost for a forever home?
Replies: 6
Views: 306

Re: Reasonable cost for a forever home?

Things change. People change. Jobs change. Kids change. School change. Kids move away. People retire. Neighborhoods change. Styles change. Needs change. Everything changes. A "forever home" is not the goal. Buy as much house as you need and can afford. Buy no more. 20% down. Avoid PMI. Still allowin...
by bloom2708
Tue Oct 16, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: advice on first home
Replies: 15
Views: 484

Re: advice on first home

$1,020 vs $2,000 to buy? Keep renting. Rent is not throwing money away. It gives you a place to sleep, eat, store your stuff, read, relax. Maybe a bigger rental for $300-$400 more per month? The mortgage payment is just the tip of the iceberg when it comes to home ownership. You are close to 50% of ...
by bloom2708
Mon Oct 15, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: HDMI Splitter or Switch?
Replies: 23
Views: 1177

Re: HDMI Splitter or Switch?

https://www.ebay.com/itm/UHD-5-Port-HDMI-Switch-Box-Splitter-4K-3D-1080P-IR-Remote-Control-Selector-Hub/112478858304?epid=1878464250&hash=item1a30432c40:g:AcQAAOSw7PJZZhej:rk:6:pf:0 eBay has a ton of options. Sound goes to the TV through HDMI, out through optical or composite out. Optical out on the...
by bloom2708
Mon Oct 15, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Boglehead's Car Talk
Replies: 35
Views: 3132

Re: Boglehead's Car Talk

RootSki wrote:
Sun Oct 14, 2018 9:24 pm
Life is too short to drive boring cars.
Life is too short to think about cars all the time. Boring or exciting. :wink:

Other than your house, nothing will take your money faster. How much you got? Send it in.
by bloom2708
Mon Oct 15, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: 401k Funds for 23 year just starting out
Replies: 7
Views: 402

Re: 401k Funds for 23 year just starting out

+1 for Vanguard Wellesley® Income AdmiralTM Vanguard LifeStrategy Growth Inv 1 fund with 4 components. Have her put in enough to max at $18,500 pre-tax (if she can). Match dollars do not count toward the $18,500 limit. 80/20 is just fine for someone just starting. One fund makes it easier to stay th...
by bloom2708
Mon Oct 15, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Car accident, claim process
Replies: 2
Views: 338

Re: Car accident, claim process

Nothing moves fast with car repairs. What is the value of your car? $5,000 in repairs means it was a pretty good thump and hit multiple areas, fenders, doors, etc. Will the car have a "salvaged title" (whatever your state calls it) after the repair? If $5k is not 50%+ of your vehicle value, it will ...
by bloom2708
Mon Oct 15, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 88
Views: 5520

Re: When to stop putting money into an older vehicle

Do it the old fashioned way. Save some money and when you have enough saved, buy a different car.

A 2003 Pilot probably has served you well.

If the old fashioned way is hard, keep driving it. I see a lot of 60s, 70s, 80s and 90s vehicles on the roads.
by bloom2708
Sun Oct 14, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Failing Updates With Windows 7 Professional
Replies: 16
Views: 715

Re: Failing Updates With Windows 7 Professional

2015 wrote:
Sun Oct 14, 2018 7:28 pm
TheAccountant wrote:
Sun Oct 14, 2018 6:46 pm
Never understood why people are so afraid to update their software.
Because windoze 10 updates are a chamber of horrors, or have you not been reading news on their latest catastrophe?
If you hate Windoze, why stay with 7 or 8?
by bloom2708
Sun Oct 14, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Failing Updates With Windows 7 Professional
Replies: 16
Views: 715

Re: Failing Updates With Windows 7 Professional

Windows 7 was released in 2009.

Support ended. Updates must be paid for now. I am unsure how you pay and install on Professional.

Windows 10 is stable. I work it hard every day for years. It is time.
by bloom2708
Fri Oct 12, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Does international really buy you diversification?
Replies: 43
Views: 4377

Re: Does international really buy you diversification?

I own ~3,600 US Stocks (Total US).

I own ~6,700 non-US stocks (Total International).

Owning more good companies is a form of diversification.
by bloom2708
Fri Oct 12, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Honda routine maintenance costs in Boston?
Replies: 12
Views: 881

Re: Honda routine maintenance costs in Boston?

Rear differential fluid at 15k is the part that seems strange.

Full synthetic plus tire rotation is a 5k to 7.5k mileage item.
by bloom2708
Fri Oct 12, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help Choose: No REIT or Int'l Small options in 403B
Replies: 5
Views: 346

Re: Help Choose: No REIT or Int'l Small options in 403B

Welcome. I would push pause for a bit. You do not need every type of fund in every account. You are buying the same things over and over and over. It is too complicated. Your portfolio is one enitiy. Optimize for tax efficiency, diversity and a minimum of complexity. You will thank yourself down the...
by bloom2708
Fri Oct 12, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: What to do with Bose cube speakers left in rec room
Replies: 17
Views: 1742

Re: What to do with Bose cube speakers left in rec room

Interesting - the forum seems mixed. Thinking I'll try plugging them into my receiver and see what happens. Don't really care if I blow them out. But guessing I'll end up putting in my old speakers. I've read there is a big gap in then 150-280 hz range. I'm by no means an audiophile but do apprecia...
by bloom2708
Fri Oct 12, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Transitioning to new platform
Replies: 8
Views: 1410

Re: Vanguard - Transitioning to new platform

Many are doing nothing with the transition to a single/consolidated brokerage account. You can do the same. Are you outside of the US and your employer is also outside of the US? If you live in the US, have a US address and are employed by a company outside the US, I do not see any issues with that ...
by bloom2708
Fri Oct 12, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Scared to Jump
Replies: 11
Views: 1408

Re: Scared to Jump

Play around with this "Compare Investment Fee" calculator. https://www.dinkytown.net/java/compare-investment-fees.html At 63 you still have a 20-30 year investing horizon. Our "all up" cost at Vanguard is .07%. Use .07%, 1% and 1.5%. Or if you can figure out your total cost (Sales loads, expense rat...
by bloom2708
Fri Oct 12, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4207

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

Stocks might be on sale today. We could also have 12 more trading days in a row down 500 to 800. Or 23 days. Nobody knows. Don't sell. Keep buying when you plan to buy. Re-balance if you get "off" by 5%. There are sales (small caps) and Sales (Cap) and SALES (all caps). If you are fully invested, ju...
by bloom2708
Fri Oct 12, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3096

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

Many rentals now have a mileage limit. I have a code through megacorp that doesn't change the rate, but bumps rentals to unlimited mileage. I would use the $400 on a set of new tires. Change the oil with full synthetic (if due for an oil change before or during the trip), have the local mechanic che...
by bloom2708
Fri Oct 12, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: independent advisor
Replies: 6
Views: 375

Re: independent advisor

Why not spend time here? Ask your questions (as many as you want for $0). Those fees will add up. Fast. Nobody knows your scenarios like you. It will be difficult to find someone not selling something with higher fees than you should be paying. There are threads on virtually all topics here that can...
by bloom2708
Thu Oct 11, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 47
Views: 1662

Re: TV recommendation for my father

What does he watch? Toshiba makes a series of 4K TVs with Amazon Fire Tv built in. They are reasonable. 49" and 55" versions (smaller ones too). $329 and $479 respectively. https://www.bestbuy.com/site/toshiba-49-class-led-1080p-smart-hdtv-fire-tv-edition/6211009.p?skuId=6211009 SlingTV, Hulu Live o...
by bloom2708
Thu Oct 11, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 1851

Re: Considering new Honda Pilot, other suggestions?

How many miles on the 2013 Pilot? That is a pretty new car still. If your Honda dealer is close, provides good service and you have a good existing relationship, it makes sense to stay the course. There are many good options in that 3rd row, not a minivan segment. But, staying with what you know is...
by bloom2708
Thu Oct 11, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 75
Views: 5055

Re: Anyone done a Hair Transplant?

Since I'm also interested in the OP's subject, I have to assume that he's as frustrated as I to see three dozen posts so far, most of which (although offered in a cheerful and supportive spirit) are completely irrelevant to what he requested: feedback from men who actually did a hair transplant. I ...
by bloom2708
Thu Oct 11, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 1851

Re: Considering new Honda Pilot, other suggestions?

How many miles on the 2013 Pilot? That is a pretty new car still. If your Honda dealer is close, provides good service and you have a good existing relationship, it makes sense to stay the course. There are many good options in that 3rd row, not a minivan segment. But, staying with what you know is ...
by bloom2708
Thu Oct 11, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Pension terminated .. have options
Replies: 28
Views: 3491

Re: Pension terminated .. have options

I am not eligible for IRA only 401k and I am with fidelity. Everyone is eligible for an IRA (Traditional, Non-deductible, Roth, Back Door Roth). Does your company offer a 401k, you currently have a 401k with your company and they are going to move your pension into your 401k? A 401k is a company ba...
by bloom2708
Thu Oct 11, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Scholar's Choice 529 (Colorado)
Replies: 10
Views: 684

Re: Scholar's Choice 529 (Colorado)

1. There should be no tax consequences. Contact the new 529 provider and they will pull the funds from EJ. Good to escape (entirely) from EJ. 2. Staying in state allows you to get your state tax deduction. If you didn't get a state tax deduction, then you could consider on of the lowest cost Vanguar...
by bloom2708
Thu Oct 11, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pension terminated .. have options
Replies: 28
Views: 3491

Re: Pension terminated .. have options

What are the fees with option 2? The words "insurance company" would have me running. With Option 1, I assume you mean Rollover/Traditional IRA, you are in full control. Roll it to Vanguard or Fidelity. Low cost, broad market based index funds at your desired mix of stocks/bonds. Put it at Vanguard ...
by bloom2708
Thu Oct 11, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Which market should I go for, to profit most from the correction?
Replies: 35
Views: 3007

Re: Which market should I go for, to profit most from the correction?

The OP is itching to do something. He’s not replying to the specifics of the responses so far; he’s just adding on more reasons to “take advantage” of the recent swoon. Please, somebody, just tell him to go right ahead... I did: 50 K in EM and 50K in Japan. If a boar market comes (sorry, I mean bea...
by bloom2708
Thu Oct 11, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 40
Views: 4320

Re: Pls help us design our family life!!!

Frugalista, It's the house. The payment is too high now and it's especially too high if you want to reduce your hours. I was thinking that if you took the $220K and used it to pay down the mortage and then recast, that might get you where you need to be on monthly expenses. But even then, it would ...
by bloom2708
Thu Oct 11, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 41
Views: 2083

Re: tablet or small laptop for general and travel computer?

I'm looking for a WIN machine to use in place of a tablet. I like to surf the web, read ebooks, watch a video, etc... I had a tablet but hate entering text via touscreen. A MS Surface is very nice but very pricey. I'd like to be < $800. What do other folks use??? Recommendations?? Surface Go is tar...
by bloom2708
Thu Oct 11, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 75
Views: 5055

Re: Anyone done a Hair Transplant?

ArchibaldGraham wrote:
Thu Oct 11, 2018 9:32 am
tev9876 wrote:
Thu Oct 11, 2018 7:52 am
Set of Wahl clippers - $20. Five minutes a week. Never buy shampoo again.
+1

Also never buy a haircut again
+2

Used my $20 Wahl this morning. 4 minute haircut. #2 all over. #1 on sideburns. L/R tapered around each ear. Boom. $20+ saved. Every time.
by bloom2708
Thu Oct 11, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs. Cash
Replies: 28
Views: 2143

Re: Mortgage vs. Cash

15-year mortgage (borrow 300k or so). keep some liquidity. You are worried about stocks crashing or being all-time high. Do you have any concerns about the housing market? Interest rates, affordability, etc... To others: I regret having had a paid off mortgage (age 39).... because I moved and now I...
by bloom2708
Thu Oct 11, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Investing Philosophy
Replies: 11
Views: 951

Re: Investing Philosophy

Good start. Are you only contributing to the match in your 403b? How much is the match? Are you doing Pre-tax or Roth? Do you have a regular Roth IRA? As your income rises, work toward maxing Pre-tax 403b ($18,500) and Roth IRA $5,500. It may take several pay raises or getting married to get you the...
by bloom2708
Wed Oct 10, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: What to do with Bose cube speakers left in rec room
Replies: 17
Views: 1742

Re: What to do with Bose cube speakers left in rec room

You can probably find the acoustimass unit on eBay. That vintage Bose setup was not that great. I had them. Tinny sound compared to newer Bose systems. I would reuse the wires. Use your speakers for now. Research an upgrade later. PS I am one that likes Bose products. On our main TV we have a Bose C...
by bloom2708
Wed Oct 10, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Refinace house but how?
Replies: 26
Views: 1617

Re: Refinace house but how?

As a financial website I do understand what everyone is saying in regards to not doing it. I do have an emergency fund but do have some credit debt. Not a huge amount though from comparing to others I know. I guess my question would be even if I had no credit debt except my mortgage would the answe...
by bloom2708
Wed Oct 10, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Emotions when switching from being long time stock picker over to a more Boglehead approach
Replies: 12
Views: 1007

Re: Emotions when switching from being long time stock picker over to a more Boglehead approach

You make it work by making a plan, implementing and then going on with your life doing something else.

You can fill the void with old/new hobbies. Perhaps get your investment "fix" here. Continue learning. Help others. Read topics not about investing.
by bloom2708
Wed Oct 10, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Multiple Retirement Account Questions
Replies: 6
Views: 761

Re: Multiple Retirement Account Questions

I think you are missing a couple things on the Roth vs. Pre-tax. If you eventually move into a 3X% tax bracket and are still working, that makes even MORE sense to do pre-tax. It is your rate if/when you withdraw you are worried about. We don't know what that rate is, but your income likely will not...
by bloom2708
Wed Oct 10, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3341

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Having sent 2 kids out driving in the winter (1 to go), I would pick an AWD Subaru. Probably the Legacy. Used Subarus can have some interesting issues. Oil burning and head gasket issues. Whenever I looked, I had a hard time figuring out how to avoid these issues in the late 200x and early 20xx mode...
by bloom2708
Wed Oct 10, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Pre-Tax TIAA Traditional vs taxable VWITX
Replies: 5
Views: 447

Re: Pre-Tax TIAA Traditional vs taxable VWITX

Do you have space for your bond allocation in pre-tax? If so, I would go that route. I transitioned (after many threads/discussions) to only Total US and Total International in taxable. All bonds are in our Rollover/Traditional IRAs. Roth is also all stocks (also REIT or Tilts like Small Cap Value f...
by bloom2708
Wed Oct 10, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5669

Re: Subaru: Crosstrek or Outback?

+1 for the Outback. Crosstrek is too small. Forester doesn't ride as nice. I do find it funny when people say the Outback is a huge car. To me it is a mid-sized car. Compared to Explorers, Suburbans, Armadas, Yukon XL, Pilots, Highlanders, the Outback seems small. I tend to like a wagon style, but s...
by bloom2708
Wed Oct 10, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Five Fund Portfolio Percentage Allocation Recommendations
Replies: 5
Views: 480

Re: Five Fund Portfolio Percentage Allocation Recommendations

What is your top/marginal tax rate? Look up the based on the new 2018 tax rates. Taxable bonds (your 2 choices) and REIT are not tax efficient in a taxable account. Bond interest/dividends are 100% ordinary income, taxed at your highest marginal rate. REITs are also not tax efficient. Do you have a ...
by bloom2708
Tue Oct 09, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 185
Views: 10008

Re: Talk me out of buying a Tesla Model 3

Thanks for clarifying. I think I would probably just stick with the 4 Runner for bike transport, but I understand your perspective. Ironically, the fact that I *have* to use my 4Runner for bike transport is what's driving me to find a new car. When I sold my BMW for the 911 I gave up the ability to...
by bloom2708
Tue Oct 09, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 5
Views: 327

Re: Portfolio Advice

Use some of your cash to live off and max ($18,500) your pre-tax 401k each year as fast as you can. I am maxing my 401k regardless of Roth or pre-tax and have no trouble doing so well within my means. If you max your 401k as fast as possible in the year (let's say, 100% of my paycheck for a couple ...
by bloom2708
Tue Oct 09, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 8851

Re: Finally Cutting the Cord - YouTube TV

Did you only try DirecTVNow? From my trials and tests, they were the worst for picture quality. Add no zero locals in our area. Grade D SlingTV also had lower picture quality. Good price, but fewest channels and zero locals. Grade C I set my in-laws up on Hulu Live. All locals and the channels they ...
by bloom2708
Tue Oct 09, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Retirement Account Questions
Replies: 6
Views: 761

Re: Multiple Retirement Account Questions

Welcome. Lots to unpack. Your questions are more around moving things around. You can "move" a traditional IRA into a Roth 401k if they 401k allows roll-ins. But, you would also pay tax. The bigger things I think you should look at: 1. Roth 401k/457 - You are paying a lot of 24% tax now. This is kee...
by bloom2708
Tue Oct 09, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 5
Views: 327

Re: Portfolio Advice

I would switch to pre-tax 401k + Roth IRA. Use some of your cash to live off and max ($18,500) your pre-tax 401k each year as fast as you can. The tax savings (Fed + State (if applies) by deferring allows you to fill most of your $5,500 Roth each year and lowers your Adjusted Gross Income. If you ge...
by bloom2708
Tue Oct 09, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 869
Views: 94538

Re: [What TV Show Have You Recently Watched?]

With rain/cold weather I binge watched Season 3 of Man In the High Castle over 2 days. :shock:

Great season. Quite the plot twists.
by bloom2708
Tue Oct 09, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4463

Re: Should I, and how, act on changes in managing diet and health?

I think you have a multiple phase problem. 1. Figure out the weight/BMI you should be at for your height. I'm 6-1, 47. I should be ~165 to 170. Say 12% body fat. 2. Figure out how to GET to that weight. This can be done with certain diets, exercise, going against your environment, peer pressure, etc...
by bloom2708
Tue Oct 09, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3805

Re: How to get over paper loss?

It is hard. Stocks (individual or mutual funds or ETF funds) do not always go up. You are not thinking "long term" enough. The balance today or tomorrow will fluctuate (sometimes a lot). Check less often. Verify your mix of stocks/bonds is correct for your age, saving progress/goals and risk toleran...
by bloom2708
Tue Oct 09, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 18
Views: 1679

Re: Fidelity or Vanguard

I would pick Vanguard.

Make a clean break. Start new at Vanguard. Less is more.

No tax consequences in Traditional IRAs for re-aligning to a 3 fund style portfolio.
by bloom2708
Mon Oct 08, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Refinace house but how?
Replies: 26
Views: 1617

Re: Refinace house but how?

Downsize the project. Delay the project. Do only the bathroom. Save up more. Get different quotes. Many options. Another is stick with what you have for another year.
by bloom2708
Mon Oct 08, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: YAFEJT- Yet Another Fleeing Edward Jones Thread
Replies: 5
Views: 436

Re: YAFEJT- Yet Another Fleeing Edward Jones Thread

You were likely hit with the $95 close account fee at Edward Jones. No big deal in the grand scheme. Congrats on getting out. Our rule: Everything at Vanguard except our active 401k/403bs. You each have to give permission for the other to see each others accounts. You can do this from the Vanguard w...