Search found 134 matches

by jh-1391
Fri Jun 01, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3515

Re: Sherwin Williams paint

I've only ever used their Duration paint, and I absolutely love it. My BIL used their Emerald, and it was a huge pain to apply. Talking with my local SW guy, he said you need a very specific roller for the Emerald otherwise it won't actually roll, will just push paint around. I'm going there today t...
by jh-1391
Thu May 31, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 1621

Re: Need some advice in regards to A/C System

I seriously appreciate all of the input from everyone. Planning on getting the units serviced again with another company and see what the techs see/recommend. I'll also hold off on the fancy UV lights for now. I'm also down in Texas, so a working AC is pretty important. I know these older units can ...
by jh-1391
Wed May 30, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 1621

Re: Need some advice in regards to A/C System

No way would I put 4 grand (if I understand the pricing) into a 14 year old system. That’s likely 50% of the cost of just replacing the two units. Well, I think the UV/air purifier is independent of the system, but I’m not sure. If that’s the case, I could reuse it with the next system, which is th...
by jh-1391
Wed May 30, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 1621

Re: Need some advice in regards to A/C System

Thanks all. Already decided to get a second opinion from another company, so we’ll see what they say. In terms of inexperienced homeowner, well I’m a single female, so that usually comes with the risk of being up sold. Normally I have a decent BS meter and a ballpark idea on what work or hourly rate...
by jh-1391
Wed May 30, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 1621

Need some advice in regards to A/C System

Just closed on a home with ACs original to the house, two units manufactured in 2003. I had a service company come out to start up a bi-annual maintenance program. The technician said that the downstairs, bigger unit likely doesn't have much usable life left, and the upstairs unit looks really good ...
by jh-1391
Wed May 09, 2018 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Plan
Replies: 24
Views: 2502

Re: Emergency Fund Investment Plan

I keep enough in 3 0.01% or whatever checking accounts to cover my mortgage, car payment, and a buffer for overdraft protection for my main checking account...so maybe 1-1.5 months of expenses. The rest is in a Capital One HSYA earning 1.6% and in I Bonds. I'm gradually moving more into I Bonds as t...
by jh-1391
Fri Apr 20, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard MM Fund Question
Replies: 3
Views: 539

Re: Vanguard MM Fund Question

Great. Thank you!
by jh-1391
Fri Apr 20, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 44
Views: 5943

Re: Anyone invest in I Bonds and why?

I'm buying them as an extension of my EF. Eventually, I'll reduce my cash EF and just have a sinking fund of sorts, and I bonds will by my only EF. I'm a big fan. Tax deferral, backed by the US government, and earning better rates than almost all bank accounts and most CDs. As the bonds I bought las...
by jh-1391
Fri Apr 20, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranty appraisal on real estate. Good idea? This must be a bubble?
Replies: 21
Views: 1452

Re: Guaranty appraisal on real estate. Good idea? This must be a bubble?

BTW you've mentioned many times in this thread what these homes used to sell for. It does not matter - assuming it's not a significant bubble, and at $200k prices the bubble isn't that big if there is one. All that matters is what is the market rate and are you willing to buy at that rate. I see yo...
by jh-1391
Fri Apr 20, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard MM Fund Question
Replies: 3
Views: 539

Vanguard MM Fund Question

This is admittedly a dumb question, but I just want to make sure I understand Vanguard's money market options. I just bought a house where I'll likely have to allocate more monthly funds to larger house-related expenses. Normally, I kept a sinking fund with my main bank earning 0.01% or whatever it ...
by jh-1391
Fri Apr 06, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 15128

Re: How much cash do you keep at any time on checking?

I keep a couple thousand as a buffer in my main account, $500 in a couple of others to avoid service fees.

The rest stays in a HYSA.
by jh-1391
Thu Jan 11, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cash e-fund + multiple sinking funds - How far do you go?
Replies: 12
Views: 1258

Re: Cash e-fund + multiple sinking funds - How far do you go?

I used to be like you - I had multiple cash funds for various things...vacations, house projects, car repairs, etc. I also had a pretty pitiful taxable portfolio for my income. So I made a change recently. Here's what I'm doing now: - 2 months in my checking and savings tied to my main bank - 2 mont...
by jh-1391
Thu Jan 11, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - cannot convert to roth
Replies: 15
Views: 1634

Re: Vanguard - cannot convert to roth

Warriorpoet85 wrote:
Thu Jan 11, 2018 1:49 pm
Can I open a Roth account with zero dollars?
Yes. I just helped a family member with this.
by jh-1391
Fri Dec 29, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Creating a Mid-Tier Emergency Fund
Replies: 21
Views: 2661

Re: Creating a Mid-Tier Emergency Fund

My EF strategy continues to evolve. I honestly think that just in 1 year, you can go back on this site and find different answers from me lol. I think I finally have settled on a simple, logical EF strategy now where I'm not being too conservative, but still being conservative enough so that I sleep...
by jh-1391
Mon Dec 11, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 12417

Re: 2018 financial goals - what are yours?

1. Max Roth IRA 2. Weather the sale of old home/purchase of new home with keeping 3 months of income in savings (I know, I know, EF is off limits, but I know myself so I'm being realistic). 3. Increase taxable savings to $400-$500 per month. 4. Increase 401k to 11% of income. 5. Finally get my vacat...
by jh-1391
Sun Dec 03, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Index Funds in Taxable?
Replies: 10
Views: 1042

Re: Index Funds in Taxable?

First of all, LifeStrategy is a fund of index funds. Second of all, since you are adding just $1500 to $2500 a year to the taxable account, I think any market losses can be made up just by a contribution or even an extra contribution. Third, your goals are wishy-washy and not specific as to time no...
by jh-1391
Sun Dec 03, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Index Funds in Taxable?
Replies: 10
Views: 1042

Re: Index Funds in Taxable?

midareff wrote:
Sun Dec 03, 2017 8:02 am
I would not do what you are doing either. Total US Market, Total Int Market and IT Tax-Exempt Bond Fund.
So just to make sure I understand most of the sentiment so far, the Schwab Total Market is okay, but the LS fund is where the issue is?
by jh-1391
Sun Dec 03, 2017 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Index Funds in Taxable?
Replies: 10
Views: 1042

Re: Index Funds in Taxable?

I would not do what you are doing. I would not have LifeStrategy in taxable if I could have Total US Stock Market Index and Total Int'l Stock Market index instead. As for your 5-10 window, I just don't think like others. If my equity funds did not do the job, then I would find the money elsewhere. ...
by jh-1391
Sun Dec 03, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Index Funds in Taxable?
Replies: 10
Views: 1042

Index Funds in Taxable?

I have some questions in regards to taxable investing.. I have 2 taxable accounts. 1 is my taxable retirement account and is with the rest of my retirement accounts at Schwab, and is currently 100% in Schwab's Total Stock Market. The other taxable is with Vanguard and is in a 60/40 LifeStrategy fund...
by jh-1391
Thu Nov 09, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 4617

Re: What is a reasonable emergency fund for HI family?

I guess it's a personal risk type of thing, but to me, I think everyone should have an emergency fund, regardless of income level. I am a "HI" family...over 6 figures and single so I guess that counts. But I work in a volatile industry and if I'm getting let go, it will be close to impossible to fin...
by jh-1391
Tue Nov 07, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 30121

Re: How old are you and how much do you save for retirement a year

26

With maxing my Roth, my contributions, and my employer's in my 401k, I'm saving about $28k-ish
by jh-1391
Tue Nov 07, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start investing in taxable accounts?
Replies: 23
Views: 3706

Re: When did you start investing in taxable accounts?

26, 4 years after working full time. I've been maxing my Roth every year, but still not maxing my (pre-tax) 401k. I look at my taxable as another diversification of funds. My 401k is my absolute last resort if I ever needed to pull my money out of accounts, so I don't want nearly all of my net worth...
by jh-1391
Fri Aug 11, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 6735

Re: Where To Put My Emergency Fund?

I get confused about this "emergency" fund business. Why is it separated from other investment funds? I can see for someone just starting out that there may be some utility to putting some money away in a separate account for an "emergency." But it seems to me that the req't for such an account dis...
by jh-1391
Thu Aug 10, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Diversify Your Emergency Fund?
Replies: 32
Views: 2924

Re: Diversify Your Emergency Fund?

I diversify but I do it to increase returns, not just to diversify. I also do it to help curb my spending. I'm an out of sight out of mind person. 1 month checking buffer 2 months savings attached to checking 3 months HYSA earning 1% And will have 3-6 months in I bonds and a 60/40 stock/bond fund ev...
by jh-1391
Fri Apr 21, 2017 4:25 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520567

Re: What's Your Credit Card Rewards Strategy?

Just to make sure I follow, you booked business class on United for 70k miles and $280 fuel surcharges, one-way -- is that right? And that's non-stop to where in Italy? Just trying to get a sense of what the market is for business class to Italy. Personally, I'd be looking to start from NYC. In my ...
by jh-1391
Tue Apr 18, 2017 5:57 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520567

Re: What's Your Credit Card Rewards Strategy?

Huh....I've had good success with Star Alliance international award availability. I also really like Aeroplan's 55K award price for biz between the US and Western Europe. Significantly cheaper than the 70K I'd pay for United partner awards, and I really have no way of getting more United miles at t...
by jh-1391
Tue Apr 18, 2017 5:56 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520567

Re: What's Your Credit Card Rewards Strategy?

I have actually had decent luck with redemptions and availability on SkyTeam. Some of their itineraries aren't the greatest, but the points are easy to earn and availability has been good. Don't the fuel surcharges on Skyteam get in the way of good redemption value frequently? I just booked busines...
by jh-1391
Mon Apr 17, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520567

Re: What's Your Credit Card Rewards Strategy?

It's pretty much impossible to use them for flights to Australia, or to Europe without flying BA and paying huge fuel surcharges. Well, not impossible, but for the average person who doesn't know all the tricks it's essentially impossible. There is plenty of availability to Asia though, and South A...
by jh-1391
Sun Apr 16, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520567

Re: What's Your Credit Card Rewards Strategy?

I am reconsidering cards with American airlines rewards as they seem to have devalued their product greatly by severely limiting seats. Agreed, at least in my experience so far. I got targeted for a 60k signup bonus and decided why not, and now I'm regretting it. I have 100,000 AA miles just collec...
by jh-1391
Wed Apr 05, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Investing a Portion of Emergency Fund
Replies: 11
Views: 1488

Re: Investing a Portion of Emergency Fund

Like others have said, look into I Bonds. I'm currently in the process of moving a larger portion of my EF into I Bonds. While there are some savings accounts paying 1% and give you more flexibility in withdrawals, I like the safety and upside I get with I Bonds. Plus, because I don't think of them ...
by jh-1391
Wed Mar 22, 2017 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Failing to understand taxable acct strat
Replies: 16
Views: 2033

Re: Failing to understand taxable acct strat

Would an S&P 500 fund be a terrible idea in taxable? I'm not too far into investing into Schwab's S&P index fund so I could switch strategies to total stock/total international if total stock would be substantially better. I realize it would expose me to small and mid cap companies more, but I'm jus...
by jh-1391
Tue Mar 21, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Bonds Exchange in Taxable Account
Replies: 12
Views: 962

Re: Bonds Exchange in Taxable Account

This is slightly off topic to the OP, but it has to do with bonds, or lack thereof, in a taxable account.. So I operate my accounts (Roth IRA, company 401k, taxable brokerage) with independent asset allocations. What I mean is they all have identical allocations, just different funds based on what's...
by jh-1391
Mon Mar 20, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 3593

Re: State Farm

I was always happy with State Farm... ..until I found out they were charging me over $1,300 more than all competitors for my homeowner's insurance for the same coverage. No claims, ever, yet their homeowners coverage was $1,000-$1,300 more than everyone else. They were fine on auto. Now I'm with my ...
by jh-1391
Fri Mar 17, 2017 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 6670

Re: Fidelity vs. Vangard?

Both Fidelity and Vanguard are undergoing a transition to more tablet and mobile friendly sites. I'm not sure what you mean by the old Fidelity site two years ago, but just recently, I've noticed some very differently looking pages (style wise) in certain areas. The abrupt change in look/feel is di...
by jh-1391
Thu Mar 16, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 188
Views: 23866

Re: How Much in Your Emergency Fund And Is It Used?

I have 5 months of income in pure "emergency" dollars, an additional month in fluctuating dollars (vacations, semi-annual expenses, checking buffer, etc.). This comes out to about 10 months of 100% necessary monthly expenses if I didn't want to move or sell anything. I'm single and work in a volatil...
by jh-1391
Thu Mar 16, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 6670

Re: Fidelity vs. Vangard?

Their website is (to me) 10 times better. Maybe 100 times better .... I always hated having to do anything on the vanguard website. . . . and that's what makes horse races. I don't care for Fidelity's web site, but have no trouble with Vanguard's. My wife likes ice cream; I prefer sorbet. When I st...
by jh-1391
Tue Feb 28, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Ugh, why is buying a new car so painful?
Replies: 75
Views: 10831

Re: Ugh, why is buying a new car so painful?

I also just bought a pacifica (not hybrid though) which was my first new car purchase. Sorry if i might ramble but in my 2nd post here, I figured I'd tell the story of that car shopping experience. I was able to get great results at the dealer due to being direct and well-informed. I used NADA to g...
by jh-1391
Mon Feb 27, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: More support for backdoor Roth? [Roth IRA Decision reversing Tax Court]
Replies: 27
Views: 4405

Re: More support for backdoor Roth? [Roth IRA Decision reversing Tax Court]

I have successfully started to freak myself out over backdoor Roths. Finding this thread has given me more insight as to how the law treats them, but I'm curious. How are most people handling their conversions if they're over Roth income limits? Do many use it systematically every year? Or do they w...
by jh-1391
Wed Feb 08, 2017 2:15 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund/Broker Help
Replies: 5
Views: 534

Re: Mutual Fund/Broker Help

Vanguard for her, Schwab for him. Is there any particular reason your sister wants the accounts at the same place? If there is a good reason, maybe Schwab for both. Seems like having the best choice for each is better than any compromise, though. It would avoid any mixups on either end. Just simpli...
by jh-1391
Wed Feb 08, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund/Broker Help
Replies: 5
Views: 534

Re: Mutual Fund/Broker Help

It sounds like they do not know what they want because there are many contradictory wishes that you listed. A good trading platform but want single fund with automatic investing options, low fees? Sounds like Vanguard target date funds would be perfect for them. They should learn about the advantag...
by jh-1391
Wed Feb 08, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Brokerage with Easiest Steps for IRA Conversion
Replies: 11
Views: 1069

Re: Brokerage with Easiest Steps for IRA Conversion

Thanks everyone for the help. This is off-topic some, but on Fidelity can anyone buy their "Investor" class funds? Because I'm looking at their Target Date offerings, and they have the same funds that range in expenses from 0.1% to 0.77%. I know the lowest is institutional, but there are apparently...
by jh-1391
Wed Feb 08, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund/Broker Help
Replies: 5
Views: 534

Mutual Fund/Broker Help

Hey Bogles, I've been on here a lot recently asking some questions for my investment-adverse sister, and I have a few more. She's 28 going on 29 with basically no retirement savings so far. Her and her husband have started to prioritize and will be aggressively saving towards their retirements now, ...
by jh-1391
Wed Feb 08, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Brokerage with Easiest Steps for IRA Conversion
Replies: 11
Views: 1069

Re: Brokerage with Easiest Steps for IRA Conversion

Thanks everyone for the help. This is off-topic some, but on Fidelity can anyone buy their "Investor" class funds? Because I'm looking at their Target Date offerings, and they have the same funds that range in expenses from 0.1% to 0.77%. I know the lowest is institutional, but there are apparently ...
by jh-1391
Wed Feb 08, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Brokerage with Easiest Steps for IRA Conversion
Replies: 11
Views: 1069

Re: Brokerage with Easiest Steps for IRA Conversion

Vanguard is incredibly easy nowadays, but so are Wellsfargo and TDAmeritrade. I've conversions at all 3 of theses. I haven't done one at Fidelity, but other transactions there are relatively easy such as rollovers. I suppose she could walk into a local Fidelity office and have someone do it for her...
by jh-1391
Wed Feb 08, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Brokerage with Easiest Steps for IRA Conversion
Replies: 11
Views: 1069

Brokerage with Easiest Steps for IRA Conversion

Hey Bogles, this is an admittedly strange question, but asking for my finance-averse sister (and by that I mean she gets easily overwhelmed by investing). She and her husband have realized that as they're 1 year away from 30, they have done absolutely nothing for retirement so they've started by con...
by jh-1391
Tue Jan 31, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for Married Filing Separately
Replies: 1
Views: 652

Roth IRA for Married Filing Separately

Hi Bogleheads, I have a question that I'm asking for my sister and brother-in-law. They are married but file separately. She has income-based student loan repayment and he is a naval officer, so they file separately so her payments are based on her income (she's in a loan forgiveness program so tryi...
by jh-1391
Thu Jan 12, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: thoughts about financial advisors comments regarding roth 401k
Replies: 30
Views: 3891

Re: thoughts about financial advisors comments regarding roth 401k

I feel like if you're able to comfortably fund the max contributions to a traditional 401k, then mixing in some as Roth contributions may be the right step. If you can comfortably fund the max for a Roth 401k, then I probably would. I have the Roth option with my 401k, but I'm currently not maxing m...
by jh-1391
Thu Jan 12, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 10473

Re: Where do you keep your emergency fund?

having an emergency fund was one of the dumbest financial moves i made. i have enough in taxable accts to cover emergencies, with a quick sale of funds. I wish i had invested those emergency dollars a long time ago, instead of letting them languish. I think the recommendation can be dubious. Funny....
by jh-1391
Thu Dec 15, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: How will you tip this Christmas?
Replies: 51
Views: 5631

Re: How will you tip this Christmas?

I'm baking cookies for all of my field guys that get stuff done for me while I sit in my office. It's not expensive, doesn't take too much of my time, and I KNOW sometimes what I ask them to do is a pain in the butt. It's their job of course, and they get paid to do it, but that doesn't mean I can't...
by jh-1391
Wed Oct 19, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads use Robo Advisors?
Replies: 39
Views: 5662

Re: Do Bogleheads use Robo Advisors?

I do and I don't. Currently, my 401k is with Schwab, the company my employer has it with, and my IRA is with Vanguard. I was trying to use Fidelity (trying all of the low cost investor sites probably wasn't my best idea, but now I know) for my non-retirement account/non-emergency fund investing, but...