Search found 5243 matches

by bloom2708
Fri Jan 18, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Home Owner's Insurance
Replies: 9
Views: 842

Re: Home Owner's Insurance

Keep the coverage. Go to a $5,000 deductible or some higher number. Make sure home and auto and umbrella are all with the same provider to get multi-line discounts. www.cinfin.com The agent search on the front page here allows you to find independent agents in your zip. They can shop multiple carrie...
by bloom2708
Fri Jan 18, 2019 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 45
Views: 1410

Re: Differences in Investment Approach

RJC wrote:
Fri Jan 18, 2019 10:51 am
bloom2708 wrote:
Fri Jan 18, 2019 10:33 am
Pre-tax 401k vs Roth 401k

:|
Isn't there a clear-cut rule for this (i.e. the tax bracket you are in now vs retirement)?
Tell me your marginal tax bracket/percentage in the year 2042 and I'll tell you if you are right. :wink: :D
by bloom2708
Fri Jan 18, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7030

Re: How much house can I afford (really)?

It seems like we are closing in on a lock because of the contentious nature of some posts. It happens. I think the group as a whole presented some different opinions/options. With rapid increases in income, it is very easy to escalate spending. You pay more tax, save a bit more and spend the rest. V...
by bloom2708
Fri Jan 18, 2019 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 45
Views: 1410

Re: Differences in Investment Approach

Pre-tax 401k vs Roth 401k

:|
by bloom2708
Fri Jan 18, 2019 9:29 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 157
Views: 5491

Re: My trend following strategy and experience

Do frequent trading rules interfere with your strategy?

In 401k/Rollover IRA/Roth, you are frequently not allowed to re-buy for 30 days or only allowed so many exchanges.

If your strategy says exchange stocks to bonds and you can't, what happens?
by bloom2708
Fri Jan 18, 2019 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Sanity check on investments
Replies: 4
Views: 453

Re: Sanity check on investments

Looks good to me. The 3 fund portfolio would (typically) have you use the Fidelity Total US Market index fund (~3,600 stocks) vs. the S&P 500 index. But, the returns are very similar and many use the S&P 500 index for a substitute for the Total US market. In an IRA there is no penalty for switching/...
by bloom2708
Thu Jan 17, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 2739

Re: What shelf liquor and your favorite cocktails?

There is a difference. Mid-shelf seems good enough. Tito's Vodka La Croix Sparkling Water (Can) - Your favorite flavor (Tangerine is excellent) 1/2 Orange slice for a garnish Ice Makes a killer/simple drink. :beer https://www.titosvodka.com/?utm_source=bing&utm_medium=cpc&utm_term=tito%27s%20vodka&u...
by bloom2708
Thu Jan 17, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Infiniti QX30 - MB platform
Replies: 8
Views: 664

Re: Infiniti QX30 - MB platform

The lady a few cubes down has a QX30. New about 5-6 months. It looks sharp. I rode in it to a team lunch. Can't recall being blown away. Infiniti is Nissan's luxury brand. I think Nissan is generally middle of the pack. Infiniti is less reliable than Lexus or Acura. Will any of the statistics for th...
by bloom2708
Thu Jan 17, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7030

Re: How much house can I afford (really)?

Everything in context. Some people think they are doing great and then new information pops up and suddenly maybe "great" is just "normal". Normal kind of sucks. We have given you some alternatives to "go for it man, you deserve the house!". That would be too easy. That is not what this place is abo...
by bloom2708
Thu Jan 17, 2019 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Should I buy Company Stock in 401(k)
Replies: 8
Views: 528

Re: Should I buy Company Stock in 401(k)

I would not use company stock in your 401k. Your paycheck, benefits, life insurance are already tied to the company. I assume you get stock awards or options. I sell my stock awards the day they hit the account. If you can fill up your pre-tax 401k, Roth IRA and HSA (if available), then ESPP shares ...
by bloom2708
Thu Jan 17, 2019 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Investment Allocations in Brokerage vs. Retirement Accounts
Replies: 8
Views: 647

Re: Investment Allocations in Brokerage vs. Retirement Accounts

Welcome! Spend time here and you will pick up a lot of great tips. It takes time to absorb all the details. I'll try to hit all your various questions. Your taxable/brokerage does not need to have the exact same index funds as your 401k/Roth IRA. But, they can. ETF and Mutual Fund are just two diffe...
by bloom2708
Thu Jan 17, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: House Dillema
Replies: 12
Views: 1225

Re: How much do you care about housing?

Financially you can do either. You are talking about a lifestyle decision. How many people have 3-4 houses after their "dream house"? Or live in their "dream house" 3-5 years and then move on? Quite a few. It is kind of a cringe-worthy term for me. Your 10 year old "dream house" is 10 years outdated...
by bloom2708
Thu Jan 17, 2019 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone have entire 401K in bonds?
Replies: 52
Views: 4778

Re: Does anyone have entire 401K in bonds?

You want all of your bonds in your 401k (and other stuff), not all of your 401k in bonds. You have an unusual situation where your taxable is much larger than your 401k/Roth. For many, 401k (pre-tax) grows the fastest because people run out of money to save after 401k/Roth IRA/HSA. Taxable comes las...
by bloom2708
Thu Jan 17, 2019 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Good idea? Rent out current home after paid off
Replies: 20
Views: 980

Re: Good idea? Rent out current home after paid off

This thread is right next to yours today:

viewtopic.php?f=1&t=269901

No easy answer.
by bloom2708
Wed Jan 16, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3055

Re: Car reviews - Consumer Reports or other sources?

Read a variety of sources. Read a lot of reviews. I like Edmunds. I tend to read the negative reviews. Worst of the worst. Also search for your model and problems or issues or recalls. There are some surprising issues with well touted models. This won't help if you are looking at a brand new model a...
by bloom2708
Wed Jan 16, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 10981

Re: Have I Now Become Out of Touch Financially? Aging question...

I think what the OP is experiencing will always happen. There are regional aspects. He is paying for a location with virtually year round nice weather. Likely worth it if you can afford it and can just tune out the noise. Most of it is noise. It is 7 degrees here heading for -10 and then -20 for a c...
by bloom2708
Wed Jan 16, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 5830

Re: Furloughed Fed Employee - How to make best use of time

Get healthy Read the 5 book Game of Thrones book series Start a blog Paint rooms in the house that need a refresh Write your IPS (Investing Policy Statement) Binge watch Wind River (movie) and then Longmire (TV Series) Read "The Art of Stoic Joy" book Hopefully the shutdown will end in a reasonable ...
by bloom2708
Wed Jan 16, 2019 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Considering dropping Vanguard advisory services
Replies: 3
Views: 889

Re: Considering dropping Vanguard advisory services

Many use PAS for 1 or 2 years and then drop it.

I do not see anything complicated enough to justify the .3%.

Dropping Total International because it has under-performed in 2018, well, that is tougher. In 2017 it beat Total US.

I am sticking to 20% Total International. Too many paths ahead to know.
by bloom2708
Wed Jan 16, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 39
Views: 2780

Re: Netflix Recommendations

Movies:

Wind River (Jeremy Renner)
Bird Box

TV Series:

Ozark
Longmire
The Bodyguard (Yes mum)
by bloom2708
Wed Jan 16, 2019 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Not getting transaction confirmation emails
Replies: 12
Views: 629

Re: Not getting transaction confirmation emails

Who is your email provider? Some implement a spam filter before email gets to you. They are notoriously bad at filtering. Otherwise, check your spam folder (as mentioned). My parents cable provider offers a brutally bad email experience with "spam guard". Some emails just don't ever come. Can't see ...
by bloom2708
Wed Jan 16, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7030

Re: How much house can I afford (really)?

So....using last year as a guide (I made roughly the same) AGI $275k Taxes $65k 401(k) $17k 529s $10k Expenses $75k Disc. Spending $87k Cash Saved $21k Where would the additional $2k per month come from? Cash saved to $0. You should be putting $12k into back door Roth IRAs every year. HSA with HDHP...
by bloom2708
Wed Jan 16, 2019 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 212
Views: 13988

Re: Why are your NOT buying rental properties?

I am not because I don't want a second job. The time left in the day after work, eating, sleeping, going to and from work and keeping our house clean and maintained leaves 1.8 hours per day left for leisure. Your numbers are very (very) optimistic and make a bunch of assumptions. Real estate is very...
by bloom2708
Wed Jan 16, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 50k car? If so, whats the best way to do it?
Replies: 48
Views: 2092

Re: Can I afford a 50k car? If so, whats the best way to do it?

Buy something that was $70k and is now $25 to $30k. If you rent, what are your garage/storage options? Does your other car now sit outside? If this car has to sit outside, that would be a hard "no". The elements and stupid people are just too tough on cars. Buy used. Insist on one with a door ding. ...
by bloom2708
Wed Jan 16, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: HELP and advice
Replies: 11
Views: 692

Re: HELP and advice

I would be patient and stay flexible. Your rent is very low and that is allowing you to have the ability to pay off debt (well done) and now to save quickly. House shopping leads to house buying. This does not sound like "the one". You have a great income. Do you want to spend all the time fixing/up...
by bloom2708
Wed Jan 16, 2019 11:23 am
Forum: Investing - Help with Personal Investments
Topic: using financial advisor for only part of my portfolio
Replies: 1
Views: 303

Re: using financial advisor for only part of my portfolio

You specifically want the DFA funds? Sector funds? I think it seems fine. Most here won't advocate using an advisor when you can do it yourself. You have to be able to understand what the advisor is doing and once you get to that point, you don't need them. Are you sure the cost is that low? Will th...
by bloom2708
Wed Jan 16, 2019 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Investment Help Request - Windfall
Replies: 12
Views: 1467

Re: Investment Help Request - Windfall

I'll take a stab: 1. I like this idea. Live off the income and boost your pre-tax 401k to 30%+. Fund Roth IRAs for 2018 and 2019. Do you have an HSA you can fill pre-tax? 2. I would use the Int-Term Treasuries Index or the Prime/Federal Money market. Keep it on the safe side. 3. You could use Target...
by bloom2708
Wed Jan 16, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 164
Views: 9069

Re: Are You Dumping Netflix?

I think we are just seeing the beginning of the Netflix Original TV and Movie releases. I think up to $25/month they are safe. Amazon Prime could go. They need to up their game. Playstation Vue is now $49.99. With $15.99 for Netflix, we are getting back up there. I guess the price will be $100 for T...
by bloom2708
Wed Jan 16, 2019 10:30 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7252

Re: When would you stop being a Boglehead?

mlebuf wrote:
Wed Jan 16, 2019 2:50 am
When I assume room temperature.
I was going to say "death", but this is a much more subtle way to say it. :o
by bloom2708
Wed Jan 16, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Took on too much mortgage, seeking advice on where to put money going forward
Replies: 46
Views: 5195

Re: Took on too much mortgage, seeking advice on where to put money going forward

I like the advice above. Just stop buying stuff for a 6 month period. Deep breathe period. You will be fine, but you just went through a whirlwind of home, car and consumer buying. Pay off the furniture loan, then the car loan. Doesn't matter what the rates are 0%, 3%. You owe the money and they nib...
by bloom2708
Wed Jan 16, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 5737

Re: Gillette Mach 3 alternatives

Another vote for Schick Hydro 5. Costco typically has a bundle that is a good deal. These things are amazing. Wet the blade and I can dry shave. Even the neck area which is usually the hardest part. They last a long time, blades don't clog like some brands. The 4 females in the family also use them ...
by bloom2708
Tue Jan 15, 2019 5:12 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation to buy hot stocks or bitcoin?
Replies: 63
Views: 4231

Re: How to avoid temptation to buy hot stocks or bitcoin?

Practice makes perfect. Bart Simpson style: I will not buy individual stocks, bitcoin or other things I do not understand. I will not buy individual stocks, bitcoin or other things I do not understand. I will not buy individual stocks, bitcoin or other things I do not understand. I will not buy indi...
by bloom2708
Tue Jan 15, 2019 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Question moving from stock portfolio to VTI Total Stock Market Index
Replies: 15
Views: 889

Re: Question moving from stock portfolio to VTI Total Stock Market Index

Sell it now. In the "no gains" window is a great place to get out of. 70% Total US and 30% Total International (Or 80/20 mix). This should not be scary. You have say 50 stocks. Every one of them plus a lot of others are in the indexes. At the market cap weight. ~3,600 US + 6,700 International stocks...
by bloom2708
Tue Jan 15, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3850

Re: Any good reason to get a smartwatch?

I'm of the same school of thought, OP. I eschew technology. And I say this as a 35-year-old software developer. Smartwatch? Please. I only just got a smartphone a few months ago, and it's just for calling people - no apps. And I specifically did not enable the voice-activation or GPS features; I do...
by bloom2708
Tue Jan 15, 2019 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring M/L to Vanguard
Replies: 4
Views: 272

Re: Transferring M/L to Vanguard

Your investments. Your plan. Your timeline. Don't do anything you do not want to. Even if the fees are high/higher, you can afford to pay them (if you want to). I talked with my parents for 10 years about moving from Edward Jones (high fees) to Vanguard. There was no pressure on my part. I showed th...
by bloom2708
Tue Jan 15, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed myself on salary negotiations, how do I get past this?
Replies: 25
Views: 2570

Re: Screwed myself on salary negotiations, how do I get past this?

I think you are overthinking. 22 or 24% will go to taxes. You haven't gotten a bonus or stock to know. Why not focus on doing a great job and learning the new role? The rest will work itself out. Dwelling on a number they may or may not have agreed upon doesn't seem to be adding much to your level o...
by bloom2708
Tue Jan 15, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3850

Re: Any good reason to get a smartwatch?

Many of the products are popular because they are trendy. What does a smartwatch give you that your phone does not? You can chart steps and a variety of other things on your iPhone if you go to the "Health" app. Alexa and similar devices are just useless to many of us older folks, though the iPhone...
by bloom2708
Tue Jan 15, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3850

Re: Any good reason to get a smartwatch?

I'm a vote for. This morning, for some dumb reason, I forgot to put on my Samsung Gear Fit2 smart watch. I was all discombobulated all morning without it. :oops: I went home at lunch and put it on. Whew. Crisis averted. :D I am not a super heavy power user. I primarily use the step counter, floor cl...
by bloom2708
Tue Jan 15, 2019 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Sanity Check
Replies: 8
Views: 576

Re: Rebalancing Sanity Check

Thank you for the additional advice. Regarding #2, I currently have it set to automatically reinvest dividends so I'll have to revisit that. Relevant reading for anybody coming across this thread: https://www.bogleheads.org/wiki/Reinvesting_dividends_in_a_taxable_account If you turn off dividend re...
by bloom2708
Tue Jan 15, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31246

Re: Funniest movies of all time? Name five of your favorites...

No particular order.

1. The Great Outdoors
2. Tommy Boy
3. Christmas Vacation
4. Naked Gun
5. Planes, Trains & Automobiles

Honorable mention: Fletch, Fletch Lives, All the Vacation movies, Who's Harry Crumb, Airplane, 40 Year-Old Virgin, Along Came Polly.

So many good options.
by bloom2708
Tue Jan 15, 2019 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Sanity Check
Replies: 8
Views: 576

Re: Rebalancing Sanity Check

Welcome. If you are going to do this, I would go further with the bond centralization to 401k theme. 1. Sell the US and International Bond in Taxable. There is likely a small loss, no tax hit 2. Exchange Both Roth IRAs to be either Total US or Total International 3. Add Total US Bond in His 401k - E...
by bloom2708
Tue Jan 15, 2019 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Debt free - now what?
Replies: 9
Views: 1012

Re: Debt free - now what?

Other ways to save: 1. HSA (if you have a High Deductible Health Plan) 2. ESPP - If you put in the max and get into a rolling buy/sell you can reap the 5%, 10% benefit of your ESPP 3. Save for near term spending (Next Car, Vacation, Taxes, Home Maintenance) 4. Build Emergency Fund to 12 months 5. Ta...
by bloom2708
Tue Jan 15, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 34
Views: 3316

Re: Winter boot recommendation

I have a pair of Columbia Omni Titanium. Light and very warm and comfortable. Not bulky and heavy. Here is the latest version: https://www.amazon.com/Columbia-Powderhouse-Titanium-Omni-Heat-Outdry/dp/B07G9KRPPC/ref=sr_1_7?s=apparel&ie=UTF8&qid=1547561931&sr=1-7&nodeID=5658904011&psd=1&keywords=colum...
by bloom2708
Mon Jan 14, 2019 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Alternatives to Permanent Life Insurance
Replies: 8
Views: 429

Re: Alternatives to Permanent Life Insurance

Why the resistance to taxable investing? Do you have access to an HSA? ESPP at work? Pay down debt. The mortgage has to go at some point taxable account - Would a mix of emerging markets, small cap value and a treasury index be more exiting? VUL is typically expensive and the returns are not great. ...
by bloom2708
Mon Jan 14, 2019 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: One book for my neice, a young mom.
Replies: 20
Views: 1190

Re: One book for my neice, a young mom.

Boglehead's Guide To The Three Fund Portfolio - Taylor Larimore

If You Can by Bernstein is also worth a quick read.
by bloom2708
Mon Jan 14, 2019 2:45 pm
Forum: Investing - Theory, News & General
Topic: Things I learned
Replies: 6
Views: 1112

Re: Things I learned

Good list. One item. Robo advisors can't really survive on .1% or .2%. The prices for service are going up as adoption goes up. I've seen a lot of people trying to figure out how to unwind from robo due to the expenses going up. This will continue to be a DIY shop. Happy you are finding nuggets of i...
by bloom2708
Mon Jan 14, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: To buy new home or not
Replies: 17
Views: 1160

Re: To buy new home or not

House shopping frequently leads to house buying. :| The transaction costs are high, especially if your current house was recently purchased. I would be patient. Activities will increase as the kid gets older. Moving closer to school but farther from work (how I read it) doesn't seem like a good trad...
by bloom2708
Mon Jan 14, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Goal Setting, feeling like treading water
Replies: 4
Views: 799

Re: Goal Setting, feeling like treading water

I understand what you are saying. You can do (almost) anything you want. You can not do everything you want. Is saving for retirement (early or typical retirement age) your primary goal? Or is house ownership your primary goal? Doing both (at least in your current location) doesn't sound doable. At ...
by bloom2708
Mon Jan 14, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4283

Re: How do I stop jeans from ripping in the thighs?

Do you wash your jeans after every wear? Jeans only have so many washes/dries in them. Let's say that number is 30. <insert your number of wash/dries here> How can you make your jeans last longer? Only wash when dirty. Buy 2-3 identical pairs and then you wear/wash/dry them 1/3rd of the time. They s...
by bloom2708
Mon Jan 14, 2019 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Am i missing anything else - ran numbers for doing Roth 401 vs 401k in low bracket
Replies: 7
Views: 617

Re: Am i missing anything else - ran numbers for doing Roth 401 vs 401k in low bracket

Use pre-tax 401k until you get north of $1 million. Invest the tax savings (10%, 12%, 22%) into your Roth IRAs. If you are going to have a pension that covers most of your spending the answer might be different. You can do Roth conversions between 59.5 and SS. Many paths ahead. Do things now to get ...
by bloom2708
Mon Jan 14, 2019 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Planning to transfer assets from Vanguard to Fidelity, any bonus
Replies: 12
Views: 1575

Re: Planning to transfer assets from Vanguard to Fidelity, any bonus

You are consolidating to Fidelity to be in one place and also opened a Charles Schwab account recently?

Sometimes we outsmart ourselves. :wink:

I did a search on "2019 Fidelity account bonus" and found a few "free trade" incentives. Not much else.