Search found 4091 matches

by bloom2708
Mon Jun 18, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 31
Views: 1074

Re: One handed Android phone?

Blu makes a series of unlocked GSM Android smartphones in a variety of sizes. They are pretty cheap too. Search eBay for the different sizes and prices. Stay away! Blu has been caught multiple times preloading spyware on their phones. Here's the story from last year when Amazon pulled them after th...
by bloom2708
Mon Jun 18, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage or 401k withdrawal
Replies: 3
Views: 232

Re: mortgage or 401k withdrawal

Welcome. Whether to have a mortgage in retirement is a lifestyle decision. Personally, I would not/do not want a mortgage in retirement. You should do some marginal tax bracket calculations. Withdrawing the full $120k in 2018 might/will send you up into the 24% tax bracket. It might make sense to do...
by bloom2708
Mon Jun 18, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Having a hard time pulling the trigger...
Replies: 20
Views: 1303

Re: Having a hard time pulling the trigger...

Are you maxing out your pre-tax 401k? Use some of the bonus to increase your pre-tax 401k amount to hit $18,500 (not counting any match) for 2018. You could set some aside for a bump to 2019 income and max 2019 pre-tax 401k at $18,500 as well. $5,500 for 2018 back door Roth IRA. $5,500 for 2019 back...
by bloom2708
Mon Jun 18, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Best Index Fund for HSA
Replies: 4
Views: 501

Re: Best Index Fund for HSA

I use a low cost, target date fund that matches my overall mix of stocks and bonds in our HSA. 2035 is our current pick as it matches our desired allocation for all our investments. With a starting out balance, 100% Total US is fine. If your HSA balance grows (hopefully), you may not want to see it ...
by bloom2708
Mon Jun 18, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on House Purchase
Replies: 13
Views: 1489

Re: Sanity Check on House Purchase

Is anything going into your 401ks or Roth IRAs? Or is your net of $4,880 what is left after retirement savings? The house price seems very reasonable. Daycare seems light, but I understand if your parents are helping. A second child will make that even tighter. If you add 20/30 minutes to your commu...
by bloom2708
Mon Jun 18, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 31
Views: 1074

Re: One handed Android phone?

If the SE is too small (4") and the iPhone 6/7/8 (4.7") is too big, there isn't much in between. The regular iPhone 8 is still one of the smallest screens left out there. Most are 5", 5.5", 5.7", 6.0", etc. A black thin case with a black pop-socket might be the best solution. The phone doesn't lay f...
by bloom2708
Sat Jun 16, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 435
Views: 97602

Re: Anyone regret paying off mortgage early?

I regret pay off 4.5% mortgage. I should have invested in Total Stock Index to get the 11% return . BTW, the 4.5% effective rate for me is 4% after the mortgage tax deduction. Even during the 2008 crisis with every equity 40% off, if you stay in course for 2 more years, you will still ahead of payi...
by bloom2708
Fri Jun 15, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: SleepScore App
Replies: 7
Views: 656

Re: SleepScore App

My Samsung GearFit 2 gives me a sleep score (as a percentage) every morning. It tells me how long I've been asleep. It tracks your restless periods (moving, tossing, turning) and your motionless time periods. It gives you a little bar chart. I find it quite informative. It allows you to go to the re...
by bloom2708
Fri Jun 15, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 61
Views: 4597

Re: A vehicle that "sits up" but can't afford CRV

Look for a one owner, cared for, serviced Lexus RX 350 from 2008 to 2011 with low miles. They exist. Just another option. People that buy new Lexus tend to take care of them. They also tend to buy another new Lexus. For some reason people don't want to buy used Lexus vehicles. That seems to drive th...
by bloom2708
Fri Jun 15, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: 401 k to. Roth rollover - min taxes?
Replies: 15
Views: 777

Re: 401 k to. Roth rollover - min taxes?

Don't purposefully pay tax now. Defer to 30 years down the road. Let your pre-tax dollars grow. I really don't care if 10% or 12% or 22% is "low". Nobody knows what the tax rates will look like 30 years, 40 years down the road. There are no gains/losses in a 401k or Roth IRA, so that does not matter...
by bloom2708
Fri Jun 15, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 42
Views: 3080

Re: Paying off mortgage early

I have absolutely no idea what you mean. Can you not explain what you meant that passing away with a big mortgage at a ripe old age is sub-optimal? I'm not trying to argue - just trying to understand. Let's say you are 26 and stumble into Bogleheads. You put together a plan for 30 years down the ro...
by bloom2708
Fri Jun 15, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 87
Views: 6074

Re: can we afford to spend $20K on travel annually

Take vacations when you can. $20k is a big budget for a family of 4. Trips don't have to be super expensive to be memorable. Your kids are 4/5. In a few years, you will see their activities increase. As our kids grew up and joined activities, it was harder to miss those things. Plan your next trip. ...
by bloom2708
Thu Jun 14, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Cheap, fuel efficient 2nd car commuting?
Replies: 17
Views: 1387

Re: Cheap, fuel efficient 2nd car commuting?

Newer commuter + old truck.
by bloom2708
Thu Jun 14, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Target date funds offered to Vanguard crew
Replies: 6
Views: 852

Re: Target date funds offered to Vanguard crew

This is quite common.

Large businesses can get institutional shares (Class K shares). Behind the scenes they may be identical to the regular Target Date funds. Costs are likely lower. A bigger pool of money buys them lower costs.
by bloom2708
Thu Jun 14, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 42
Views: 3080

Re: Paying off mortgage early

I know there are some that want to pass away with a big mortgage (at a ripe old age), but that plan is sub-optimal. Sub-optimal in what way? Not everyone stumbles into Bogleheads at 26. I get that. In another dimension high school graduates are issues their Bogleheads username and password. :wink: ...
by bloom2708
Thu Jun 14, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 101
Views: 7660

Re: I was rear ended and the other guy wants a payout!

chevca wrote:
Thu Jun 14, 2018 11:19 am
bloom2708 wrote:
Thu Jun 14, 2018 11:12 am
The vehicle striking the rear of another vehicle while moving in traffic is ALWAYS at fault.
Negative.
If something happens in front of me. I stop short. The vehicle behind me hits me. He is at fault. Not the driver in front of me. Not me. Vehicle control.
by bloom2708
Thu Jun 14, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Where to roll over Roth 401k to
Replies: 8
Views: 595

Re: Where to roll over Roth 401k to

With the information provided, leave it where it is.

401k to next 401k is the best option if she returns to work and has a 401k that allow roll-ins.
by bloom2708
Thu Jun 14, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 101
Views: 7660

Re: I was rear ended and the other guy wants a payout!

The vehicle striking the rear of another vehicle while moving in traffic is ALWAYS at fault. Vehicle control. Your insurance should be handling this. Do not respond directly. All contact should be insurance to insurance. It is a money grab. He is at fault. If he shows up with a neck brace and crutch...
by bloom2708
Thu Jun 14, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 42
Views: 3080

Re: Paying off mortgage early

The mortgage has to go at some point. I just read a thread with a 57 year old with a large mortgage set to go through age 84. Gulp. I know there are some that want to pass away with a big mortgage (at a ripe old age), but that plan is sub-optimal. There is some personal preference, balance with a de...
by bloom2708
Thu Jun 14, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3491

Re: Non-alcoholic drinks for wedding

Mix 1 part 7 up/Sprite with 1 part lemonade or strawberry lemonade or fruit punch. Think 2 liter bottles or gallon containers.

Add some fresh strawberries/blueberries and ice. No need to get complicated. This makes a pretty refreshing drink.
by bloom2708
Wed Jun 13, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: First Brokerage Account
Replies: 2
Views: 352

Re: First Brokerage Account

From the Wiki: With Fidelity, for example, you could construct a three-fund portfolio using: Fidelity Total Market Index Fund Investor Class (FSTMX) or Premium Class (FSTVX) Fidelity Total International Index Fund Investor Class (FTIGX) or Premium Class (FTIPX) Fidelity U. S. Bond Index Fund Investo...
by bloom2708
Wed Jun 13, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE to Sweden from Switzerland on 1M euro?
Replies: 16
Views: 1259

Re: FIRE to Sweden from Switzerland on 1M euro?

In the US, $1 million dollars isn't what it used to be. I don't know if the same applies for 1 million Euro.

Jag alsker ol. Jag drikker ol.
by bloom2708
Wed Jun 13, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocation
Replies: 6
Views: 719

Re: Help with allocation

I may not be able to help much, but will provide a bump. Are you a US citizen moving to Europe? Will you maintain your US citizenship? Will you return to the US? 75/25 is quite aggressive for retirement, but we don't have enough details to see the full picture. Are your expenses covered by a pension...
by bloom2708
Tue Jun 12, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 41
Views: 5782

Re: Vaguard - You'll need to sign up for security codes soon

Yes, you can use your phone number for both account security codes.

I use the "Remember my device" option. It will only ask for the code if you log on from a new device.

The more secure option is to require the code every log in. I think that is overkill (currently) as we have a laptop and a phone.
by bloom2708
Mon Jun 11, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Respectfully Looking for Advice
Replies: 18
Views: 1969

Re: Respectfully Looking for Advice

Welcome to Bogleheads. You are in the right place to improve your situation. How did you get to 57/60 with so little in 401ks/IRAs and no pensions? Not trying to be blunt, just an observation. I think you are right to start making a plan. What are your annual expenses? Will SS cover your monthly exp...
by bloom2708
Mon Jun 11, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Two Year Old Leftover Car
Replies: 15
Views: 1290

Re: Two Year Old Leftover Car

Interesting. I would stick with the 2018 unless you can get a pretty crazy good deal on the 2017. Most likely, the dealer is getting incentives based on the current model year only. The 2017s are not the priority to sell. It is interesting they they aren't discounted. Do a kbb on a 2017 model with 5...
by bloom2708
Mon Jun 11, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Anyone use Bluehost for web hosting?
Replies: 12
Views: 680

Re: Anyone use Bluehost for web hosting?

I am looking for a web host for my small business. From what I've read, it makes sense to use WordPress. Bluehost is highly rated as a web host for a WordPress site. My needs: simple website, a few email addresses, blogging capability. Any reasons not to go with Bluehost? Or suggestions for a bette...
by bloom2708
Mon Jun 11, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: No Roth 401k - Workaround?
Replies: 9
Views: 759

Re: No Roth 401k - Workaround?

1. Max pre-tax savings to $18,500
2. Use the tax savings + additional money to fund the Roth IRA to $5,500

Do not pay tax now with a 30-40 year window.
by bloom2708
Mon Jun 11, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Upping equity exposer instead of adding Factors/Value
Replies: 7
Views: 605

Re: Upping equity exposer instead of adding Factors/Value

You can do 90/10 through 50. There are no hard/fast rules. It is different when your $200k portfolio drops to $110k. As compared to your $1.2 million portfolio dropping to $700k. The statement "take as much risk as you have" to will come into play as your investments and net worth grow. Adjust as yo...
by bloom2708
Mon Jun 11, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 435
Views: 97602

Re: Anyone regret paying off mortgage early?

Our mortgage is 30yr fixed at 3.75%, which after tax is ~2.5%. Are you sure about that after tax number? What are your total itemized deductions excluding mortgage interest? The standard deduction has recently been substantially increased which has greatly reduced or eliminated the tax benefits of ...
by bloom2708
Mon Jun 11, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 3338

Re: Light Camping Trailer

Search for Casita travel trailers, made in Texas... You may have regional options. Scamp is made in Minnesota. Casita as mentioned. Burro. They are all lightweight/fiberglass. You can get some really nice pop-up campers. The A frame as mentioned are nice. There are 1,000s of options. Best to start ...
by bloom2708
Mon Jun 11, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buy or Rent as part of job move?
Replies: 5
Views: 437

Re: Buy or Rent as part of job move?

I would rent for that period. If you buy, it will be hard/difficult to not improve/upgrade/replace the items in your new house. Oh, those bathroom fixtures are dated. Oh, those lights are dated. Oh, that carpet is worn. Oh, all the neighbors have a sprinkler system, we need one. I would do anything ...
by bloom2708
Mon Jun 11, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Moving Employer 401K to Vanguard- Questions on RMD Strategy
Replies: 6
Views: 394

Re: Moving Employer 401K to Vanguard- Questions on RMD Strategy

LifeStrategy are good funds and recommended often. Yes, the Expense Ratio is a little bit higher than a 3 fund with individual funds. Pretty minor in the grand scheme. My parents use LifeStrategy Conservative Growth (40/60) in tax-sheltered, LS Growth (60/40) in Roth and Vanguard Tax-Managed Balance...
by bloom2708
Mon Jun 11, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing/Saving- help
Replies: 7
Views: 454

Re: New to Investing/Saving- help

What are the balances owed on the car and student loans? I would pay off the credit card today. Now you have $9,500 cash. A typical Emergency Fund (cash set aside in a savings account) is ~6 months of monthly expenses. To be used (hopefully) for emergencies and large unexpected expenses (roof needs ...
by bloom2708
Mon Jun 11, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Anyone use Bluehost for web hosting?
Replies: 12
Views: 680

Re: Anyone use Bluehost for web hosting?

I had a blog for about 1 year. I used Bluehost. I was very happy with the service/price. I do think if you get to a point where you have a high amount of traffic there may be providers that can offer some better packages. But, for the average website/blog, I think Bluehost is a good option. https://...
by bloom2708
Sat Jun 09, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: AT&T lower-cost data alternatives (is Sprint's $15/mth worth it)?
Replies: 27
Views: 2119

Re: AT&T lower-cost data alternatives (is Sprint's $15/mth worth it)?

I continue to avoid Sprint and T mobile.

Just not worth it based on coverage if go to any rural areas.
by bloom2708
Fri Jun 08, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 9955

Re: Why do we work?

Dave Ramsey would say I buy things I do not need with money I don't have to impress people I don't like. Repeat. If you peel back the layers too much, you ask a deep question. Past the needs (food, shelter, clothing, safety) there are many wants. Wants have many varying levels. From Tent to Mansion....
by bloom2708
Fri Jun 08, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 29
Views: 1919

Re: Renter's Insurance for College Dorm

Yes. It is worth it. It covers your personal property and give you an amount of liability coverage should there be an accident or something in your room.

Good money for $15 to $50 or whatever the fee is.
by bloom2708
Fri Jun 08, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cheap like me and have to put new $s into the asset class that's down the most?
Replies: 23
Views: 2610

Re: Anyone else cheap like me and have to put new $s into the asset class that's down the most?

How much in advance do you change your 401k elections to get them to come out before your paycheck? Or is this a Solo 401k where you control the funds/purchases? It is fine to purchase toward your desired asset allocation. Re-balancing with new purchases. Picking based on what you think is undervalu...
by bloom2708
Fri Jun 08, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3187

Re: Best banks for checking accounts?

What branches/banks/credit unions do you have close to your home or work or both? Competition is stiff and there isn't much differentiation. We use a mid-sized local bank that has convenient branches, free checking and re-imburses for all ATM fees. The rates are lousy, but we are kind of lousy custo...
by bloom2708
Fri Jun 08, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Moving from EJ to Vanguard
Replies: 22
Views: 2204

Re: Moving from EJ to Vanguard

Great info, thank you. I think I'm sticking with Vanguard just due to the overall preferences here. Ok, does this look better for my situation? VTSAX 50% VTIAX 20% VBTLX 30% If I rolled my IRA (168K) into this mix, and then maxed out a solo K (63K) with the same mix, I think that's all I can do wit...
by bloom2708
Fri Jun 08, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Would like to bounce some ideas regarding renting a home or condo
Replies: 16
Views: 1175

Re: Would like to bounce some ideas regarding renting a home or condo

So it looks like I'm going to end up choosing a 2BR condo in a different part of the city for about $2000. It comes with all the appliances, it's in a quiet area away from busy roads, it has a one-car garage and another carport spot. It's not as close to the major downtown area as that $2700 condo,...
by bloom2708
Fri Jun 08, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5040

Re: daughter wants a college transfer?

Epsilon Delta wrote:
Thu Jun 07, 2018 5:04 pm
How sure are you that you have the full story?
+1

She can be pre-med at almost any school. Ask her if she wants to be near home. Pick a good school. Doesn't have to be big or come with a fancy name.
by bloom2708
Wed Jun 06, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 6500

Re: What commuter car provides the best long term financial value?

Your Sonic will be the best value. Your commuting costs are locked in. Miles locked in. Gas locked in. Spending money on a Toyota Prius (my recommendation) will never save you enough to compare to driving the car you already own. While you car shop, take an equal/opposite approach to figuring out ho...
by bloom2708
Wed Jun 06, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio assessment, beyond the target funds?
Replies: 8
Views: 520

Re: Portfolio assessment, beyond the target funds?

I would stay with the Target 2045 fund. You have a well diversified, market weighted portfolio with US and International stocks/bonds represented. The new portfolio requires 7 funds. They will always be "off" by some percentage. If you rebalance 1 time per year, you could be well off target percenta...
by bloom2708
Wed Jun 06, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Submitting an offer on a home
Replies: 24
Views: 2582

Re: Submitting an offer on a home

Your agent will know the market in your area. You don't have a house to sell, that is a plus. Fewer contingencies, faster closing, financing lined up. I would not waive the inspection contingency. These days cash sales are common. As mentioned, you will tend to "fall in love" quickly with a house. T...
by bloom2708
Wed Jun 06, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Another 2 fund group
Replies: 7
Views: 360

Re: Another 2 fund group

Don't just do something. Stand there.

You could repeat in 4 months and the 4 fund does better. Repeat.

Stay the course.
by bloom2708
Wed Jun 06, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: How to sell large position of shares / lots over time
Replies: 7
Views: 617

Re: How to sell large position of shares / lots over time

A long term loss cancels out a long term gain. A short term loss cancels out a short term gain. If you have a carryover loss, that can offset a gain this year (or future). If you don't have any long/short gains in the year, then you can reduce your income by $3,000 and carry over the other $2,000 to...
by bloom2708
Wed Jun 06, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: How to sell large position of shares / lots over time
Replies: 7
Views: 617

Re: How to sell large position of shares / lots over time

I sell the day the shares hit my Fidelity account. Very small gain/loss. I then diversify into our 3 fund index funds. Paying some tax isn't the worst scenario. Especially on long gains. As you mentioned two things can happen. The shares continue to go up, increasing your gains, making it harder yet...
by bloom2708
Tue Jun 05, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: Yes, you can diversify a market portfolio
Replies: 190
Views: 9323

Re: Yes, you can diversify a market portfolio

VTSMX has virtually no exposure to the risk and style factors (small companies, value companies, quality companies, low beta stocks, etc.) This is a common misconception. VTSMX (Vanguard Total Stock Market) holds the market weight in nearly all U.S. "risk and style factors small companies, value co...