Search found 1174 matches

by Trader Joe
Sun Nov 17, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: Deal finding websites
Replies: 10
Views: 975

Re: Deal finding websites

I want to buy a stroller some time in the next 2 months. The price of strollers seems to be the same everywhere, so it doesn't seem worth shopping around. Are there websites that will monitor for price drops or discounts? Note that I'm only interested in one particular stroller. So I don't need to ...
by Trader Joe
Sun Nov 17, 2019 6:19 pm
Forum: Personal Investments
Topic: Do you regret rebalancing over the last few years?
Replies: 66
Views: 5266

Re: Do you regret rebalancing over the last few years?

If you practice re-balancing, you have probably re-balanced many times from stocks to bonds, and from US to international, over the last several years. Meanwhile, of course, stocks and US stocks in particular have kept on out-performing. Given the size of many Bogleheads' portfolio, I am guessing t...
by Trader Joe
Sun Nov 17, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home with cash? vs. Loan options.
Replies: 21
Views: 1556

Re: Buy home with cash? vs. Loan options.

Long time listener, first time caller. I appreciate the collective wisdom as my family and I relocate and look to purchase a home. Please note: homes in California are pricey and income is comparatively low. Home Price Range $800k-950k in neighborhoods with solid schools. Thanks in advance! Summary...
by Trader Joe
Sun Nov 17, 2019 6:00 pm
Forum: Investing - Theory, News & General
Topic: I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellington?
Replies: 17
Views: 2957

Re: I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellingt

I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellington every year? How many years could you stay afloat doing something like that in retire in a taxable account? The amount it would pay would swing a lot some years. Of course, it depen...
by Trader Joe
Sun Nov 17, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Juice Jacking - phone data theft
Replies: 21
Views: 2135

Re: Juice Jacking - phone data theft

Considering how careful most BHs are using password managers to strengthen passwords etc and avoiding 2 factor authentication via text .....apparently another way to have your phone hacked is afoot. LA officials issued the warning amid the rise of the scam known as "juice jacking." In the scam, sca...
by Trader Joe
Sun Nov 17, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 36
Views: 3545

Re: Toyota Highlander vs Subaru Ascent--Advice

Hey Folks, Going to retire within the next year and have decided to buy a new vehicle because I love road trips . I've always lived frugally and view this as a one time treat. I currently own a 2010 Forester and love it but for long distance driving (1000+ miles) it can be confining and I'm tired o...
by Trader Joe
Sun Nov 17, 2019 5:21 pm
Forum: Personal Investments
Topic: Obamacare limits investing opportunities?
Replies: 36
Views: 3247

Re: Obamacare limits investing opportunities?

I have a question about investing and income opportunities for someone receiving health insurance premium subsidies under Obamacare. My wife and I are 61 and have been retired for 3 years. I have a pension that brings in $40K/yr and we have about $1 million in retirement accounts of which approxima...
by Trader Joe
Sun Nov 17, 2019 5:15 pm
Forum: Personal Investments
Topic: Why do you have to "beat the market"?
Replies: 93
Views: 5550

Re: Why do you have to "beat the market"?

thelateinvestor43 wrote:
Sun Nov 17, 2019 12:45 am
I here people always trying to "beat the market" or the S&P 500. Why would I want to or need to try and beat it?
I am not sure what you are hearing. I never try to "beat the market". I invest in either VFIAX or VTSAX.
by Trader Joe
Sun Nov 17, 2019 5:09 pm
Forum: Personal Investments
Topic: Increasing risk appetite
Replies: 36
Views: 1438

Re: Increasing risk appetite

I am a diehard 3 funder since 2007. Have done well by hanging out on BH, bull market and high income. Anticipate basic financial independence early 50s assuming no big bear or other negative event. Of late my desire to “play the markets” has increased.I want to let a small % run on risky strategies...
by Trader Joe
Sun Nov 17, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: Market timing within one's IPS
Replies: 9
Views: 529

Re: Market timing within one's IPS

Has anyone here tried to "time the market" within one's IPS? I mean if one's desired asset allocation is 60-40 but it's drifted up to 64-36, which means it has not yet hit one's rebalance band, but one is bearish and therefore wants to rebalance back to 60-40 or even go beyond that to 56-44, has an...
by Trader Joe
Sun Nov 17, 2019 5:04 pm
Forum: Personal Investments
Topic: Fitbit [stock] giving me fits
Replies: 10
Views: 973

Re: Fitbit giving me fits

I know, buying individual stocks is foolish, but this one worked out, it seems. Alphabet has a deal to purchase Fitbit at $7.35 per share, cash, to go through in 2020 sometime. This price nets me a profit on my shares, but I haven't sold, wanting to defer the capital gains. Now the stock is at $6.8...
by Trader Joe
Sun Nov 17, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: New Tenant.... possibly
Replies: 28
Views: 1793

Re: New Tenant.... possibly

Just put the townhouse out for a new renter. Suburban Va DC Metro area. Got an applicant who looks good on paper. Recently arrived in US. He has an H1-B visa and employment as a senior software developer. According to his app his income makes the rent about 20% of gross pay. Not a financial stretch...
by Trader Joe
Sat Nov 16, 2019 7:28 pm
Forum: Personal Investments
Topic: Better returns than savings account.
Replies: 5
Views: 885

Re: Better returns than savings account.

I have greater than 100K sitting in Savings Account which gives me 1.85% annual return :( I was considering putting it in a bond for now. https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0028 https://i.ibb.co/WtJjcyt/2019-11-16-15-09-34.png Would YTD for bonds be same as mutual...
by Trader Joe
Sat Nov 16, 2019 6:58 pm
Forum: Personal Investments
Topic: 50/50 to 45/55
Replies: 38
Views: 3047

Re: 50/50 to 45/55

4 years from retirement (maybe 3... technically I could maybe retire today, but last kid is going to college next year... should probably cash flow that) Wife is retiring in January... Decided it's a good time to switch from 50/50 to 45/55 We're selling two houses over the next year, moving to new ...
by Trader Joe
Sat Nov 16, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: More retirees have a mortgage
Replies: 114
Views: 7066

Re: More retirees have a mortgage

According to the center for retirement research at boston college, the percent of early stage retirees (65-79) with a mortgage is now 46% vs. 24% in 1990. for late stage retirees (80+) it is now 26% vs. 3% in 1990. https://squaredawayblog.bc.edu/squared-away/more-retirees-today-have-a-mortgage/ the...
by Trader Joe
Sat Nov 16, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Amazon credit if current price is lower and still eligible for return?
Replies: 14
Views: 857

Re: Amazon credit if current price is lower and still eligible for return?

Tamales wrote:
Sat Nov 16, 2019 5:59 pm
I bought something on Amazon that is still eligible for return but the current price is $40 lower. If I contact them, do they have a common practice of crediting the difference? If so, is there a special department to contact?
No, there is not.
by Trader Joe
Sat Nov 16, 2019 6:17 pm
Forum: Personal Investments
Topic: Paid in VISA gift card - contribute to ROTH?
Replies: 9
Views: 678

Re: Paid in VISA gift card - contribute to ROTH?

My son (3 years old) is participating in a medical study. We will receive about $2000, which will be reported to the IRS and they are requiring a W9. However, rather than a check, the money is paid with a VISA gift card. Can we put the money from the gift card in a ROTH? As a professional in this f...
by Trader Joe
Sat Nov 16, 2019 6:05 pm
Forum: Personal Investments
Topic: 60/40 [Portfolio asset allocation]
Replies: 12
Views: 1600

Re: 60/40 [Portfolio asset allocation]

Is the 60%/40% investment still a good thing right now given that the market is way overdue for a major pullback? ( was thinking of investing 60% in BND and BNDX and 40% in VTI and VXUS ) Hi and welcome to the forum. The stock market will always go up and will go down. This is normal and expected. ...
by Trader Joe
Sat Nov 16, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: AWD Camry
Replies: 37
Views: 2703

Re: AWD Camry

Starting in the spring, Toyota will be offering an AWD Camry (and Avalon). Since so many Bogleheads have stated preference for the Camry, this may be of interest to the Boglehead community. https://pressroom.toyota.com/get-a-grip-toyota-introduces-new-camry-and-avalon-all-wheel-drive-sedans/ Thank ...
by Trader Joe
Sat Nov 16, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a fair price for a wealth manager financial advisor?
Replies: 43
Views: 3228

Re: Is this a fair price for a wealth manager financial advisor?

Scheduled to meet with a fee only financial advisor next week. Their group's fee is 10k per year plus 0.1% AUM. On investable assets of almost $5 million would be close to $15,000 per year. This seems high to me. What would be fair? I know you guys will say do it yourself using a three fund portfol...
by Trader Joe
Sat Nov 16, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Railing Vs Room on living area for Old Parents
Replies: 18
Views: 978

Re: Railing Vs Room on living area for Old Parents

All, My 74 year father and mother will be living with me and I am looking for a bigger home as well. Bigger home are obviously expensive in Northern VA. I was looking one room and one full washroom on main level for my parents ease. However it limits our home options in already low inventory market...
by Trader Joe
Sat Nov 16, 2019 5:41 pm
Forum: Personal Investments
Topic: Invest in a very simple portfolio of broad market index funds using an allocation you can stick with.
Replies: 13
Views: 1485

Re: Invest in a very simple portfolio of broad market index funds using an allocation you can stick with.

looking wrote:
Sat Nov 16, 2019 3:12 pm
Invest in a very simple portfolio of broad market index funds using an allocation you can stick with.
anyone just shows me what is it, it is like three-fund portfolios or, large, mid and small-cap ???.

thank you
I do not understand your question. Can you clarify?
by Trader Joe
Sat Nov 16, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: Preparing for a down market
Replies: 78
Views: 6349

Re: Preparing for a down market

I’m reading how a bear market reduces your portfolio by at least 20%, on average by 33%, and the worst (in recent history during 2007-2009) by 57%. If it takes 25 months to recover from a typical bear market, and 49 months to recover from the 2007-2009 bear, my questions are: Do you keep enough cas...
by Trader Joe
Sat Nov 16, 2019 1:59 pm
Forum: Personal Investments
Topic: Keeping my Co. 401k
Replies: 18
Views: 854

Re: Keeping my Co. 401k

I am currently retired and am in the process of deciding if I should keep my company 401k plan which is low cost with limited invest choices mostly index type funds or rolling it all to Vanguard. Performance is similar to index mutual funds you can get in the open market and It also has Common Asse...
by Trader Joe
Fri Nov 15, 2019 7:22 pm
Forum: Personal Investments
Topic: Separate $ in...retirement??
Replies: 38
Views: 3509

Re: Separate $ in...retirement??

For 20 years of marriage my wife and I have had a 'his,' 'hers,' and 'ours,' account. It's worked out well: we've been fortunate to have good jobs over most of our lifetime, and are on the cusp of retirement. A couple points that may or may not be germane: 1) we don't have children, and no desire t...
by Trader Joe
Fri Nov 15, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 145
Views: 10987

Re: Best thing you have ever bought?

Toyota Sienna XL.
by Trader Joe
Fri Nov 15, 2019 7:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1989
Views: 207647

Re: U.S. stocks continue to soar!

3,120.46 +23.83 (0.77%)
Nov 15, 5:04 PM EST

Superb close on a Friday. Very happy.
by Trader Joe
Fri Nov 15, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Lawyers who get monetary compensation for spam faxes?
Replies: 7
Views: 1400

Re: Lawyers who get monetary compensation for spam faxes?

Does anyone know anything about the lawyers who advertise on the internet that they can get $500 per spam fax? I know the FTC allows up to $500 fine for each unauthorized fax and up to $1500 if it is intentional. I'm inclined to contact one of these lawyers but don't want to get spammed even more. ...
by Trader Joe
Fri Nov 15, 2019 6:50 pm
Forum: Personal Investments
Topic: What is YOUR formula in determining whether you're FI? And what did you do after you reach FI?
Replies: 25
Views: 2692

Re: What is YOUR formula in determining whether you're FI? And what did you do after you reach FI?

For those who feel you have achieved financial independent, what formula did YOU use? I am not asking for consensus, just individual formulas. I am not asking retirement number either, just when you feel you have won the game. Was it Expense * 25/30/33/50 ? Did you take Social Security into conside...
by Trader Joe
Fri Nov 15, 2019 6:47 pm
Forum: Personal Investments
Topic: New to Forum. Vanguard funds from Fidelity account?
Replies: 10
Views: 728

Re: New to Forum. Vanguard funds from Fidelity account?

Hi. Am I better served by setting up my accounts w/Fidelity and investing in Vanguard funds that way? My intention is to take some money from the sale of my father's house (he passed 3 years ago) and invest in both taxable and Roth accounts. To be simple I figure to go straight to a total stock mar...
by Trader Joe
Fri Nov 15, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: for all the talk - do we really need to rebalance that often? at all?
Replies: 25
Views: 2079

Re: for all the talk - do we really need to rebalance that often? at all?

Hello all, Just want to get a sanity check here - for as much as we write about it on the forums - 5%, 25%, yearly, quarterly, etc...on rebalancing do we really need or gain much from all of the conversation about it? I've been off and on monitoring our families accounts and even on a year like thi...
by Trader Joe
Fri Nov 15, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Anyone switch from oil to propane?
Replies: 30
Views: 1403

Re: Anyone switch from oil to propane?

Unfortunately, my oil-fired boiler is reaching the end of it's lifespan. We are looking to replace it and recently got a quote for $7500 to replace it with a new, cast iron Peerless, oil-fired boiler. In asking around, this price is reasonable for the area. Any purchase of that size always gives me...
by Trader Joe
Fri Nov 15, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: California Divorce, Our Son
Replies: 28
Views: 4042

Re: California Divorce, Our Son

If our son gets divorced is his wife entitled to his ROTH IRA and or his Personal Investment Account. Both in his own name and both started way before marriage, we have contributed to both accounts during his lifetime. THANKS for any advice. They are married less than five years and I read there is...
by Trader Joe
Thu Nov 14, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Change of employer, 1 month Health Insurance gap, use COBRA or not
Replies: 7
Views: 630

Re: Change of employer, 1 month Health Insurance gap, use COBRA or not

I switched to a new employer and will have a 1 month gap between my old employer plan and the new employer plan. I received the COBRA forms, cost per month is $1,600 for our family of 4. Estimated total income for 2019 will be $225,000 so my penalty for not being insured is $5,625 (2.5%) per year o...
by Trader Joe
Thu Nov 14, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)
Replies: 33
Views: 3015

Re: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)

I was offered employment in an A/R capacity with a company between 50-100 employees. I would be the only one serving in this capacity in a small office. The background check would likely have been started within the last 2-3 days and I believe is being run through ADP Screening and Selection servic...
by Trader Joe
Thu Nov 14, 2019 5:51 pm
Forum: Personal Investments
Topic: Asset allocation
Replies: 7
Views: 692

Re: Asset allocation

Hello, I’m starting my investing portfolio but I’m having problems diversifying it. I currently own (VOO) ETF and I’m looking to buy three other ETF but I’m having a hard time picking them for long term investment. Anyone has any recommendations? Thanks. Welcome to the forum. Yes, VOO is an excelle...
by Trader Joe
Thu Nov 14, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: B&H Photo will pay your sales tax [payboo]
Replies: 25
Views: 3250

Re: B&H Photo will pay your sales tax [payboo]

I just got an email from bhphotovideo.com introducing their "Payboo" credit card. If you live in a State with sales tax and charge your purchase on this credit card, they will instantly issue you a credit for the amount of the sales tax. In Vermont, that would be a 6% savings. Of course, I would be...
by Trader Joe
Thu Nov 14, 2019 5:34 pm
Forum: Personal Investments
Topic: [Should I include my wife's assets in request for portfolio review?]
Replies: 8
Views: 593

Re: [Should I include my wife's assets in request for portfolio review?]

Getting ready to post my portfolio, but when I do , do I need to include my wife's assets also? We both manage our money and retirement accounts separately, she is very conservative and I am on the aggressive side. Although we file our taxes Married and filing jointly. No I do not think you should....
by Trader Joe
Thu Nov 14, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Consequence of senior not paying phone bill and closing account
Replies: 31
Views: 1854

Re: Consequence of senior not paying phone bill and closing account

Hi, My elderly mother got hit with huge charges from her crappy phone provider, currently trying to negotiate the bill down. Long story short, we were told home2home calls to Japan would be unlimited, home2cell, cell2cell would be extra, but the last bill didn't reflect that. What would be the down...
by Trader Joe
Thu Nov 14, 2019 4:56 pm
Forum: Personal Investments
Topic: Help me choose 401k funds
Replies: 6
Views: 276

Re: Help me choose 401k funds

Hello, Fairly new to the forum. I have a 401k and Roth IRA. My employer offers the following funds in its 401k plan. I am looking to implement the three fund portfolio. What would you recommend? (ER is net.) Name / Ticker / Expense ratio American Funds EuroPacific Gr R6, RERGX, ER: .49% DFA Emergin...
by Trader Joe
Wed Nov 13, 2019 7:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1989
Views: 207647

Re: U.S. stocks continue to soar!

3,094.04 +2.20 (0.071%)
Nov 13, 4:56 PM EST · Disclaimer

Superb.
by Trader Joe
Wed Nov 13, 2019 7:50 pm
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 153
Views: 23213

Re: Rich people are hoarding cash

No, for the record, I am not hoarding cash. Please carry on.
by Trader Joe
Wed Nov 13, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I offer to extend my rental lease?
Replies: 3
Views: 332

Re: Should I offer to extend my rental lease?

Yes, you should contact your landlord and let them know your decisions moving forward.

Reverting to month-to-month means the same amount of rent per month, for the time being.
by Trader Joe
Wed Nov 13, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW job loss transition period bonus negotiation
Replies: 17
Views: 1159

Re: Need Help - DW job loss transition period bonus negotiation

Situation DW received notice at the end of summer (late Aug) that company will end her employment. Company wanted her to stay till mid December to transition out to new person and offered about 6 weeks salary as a bonus after job ends. Company has failed to hire new person so far. DW found another ...
by Trader Joe
Tue Nov 12, 2019 6:57 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate changing
Replies: 25
Views: 3515

Re: Ally savings rate changing

Gnirk wrote:
Tue Nov 12, 2019 6:12 pm
Just received a notice from Ally that they are reducing the interest on savings accounts from 1.80% to 1.70 % effective Nov 13th.
You seem surprised at this notification. I am not surprised at all.
by Trader Joe
Tue Nov 12, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Would you buy a Galaxy S9 now?
Replies: 31
Views: 1816

Re: Would you buy a Galaxy S9 now?

For those who prefer and/or use Android: Looking to spend roughly $200-$400. Narrowed down to moto G7 power or G7 lower end (seeing for $150-225 this month), pixel 3a or S9 (latter both at $399). (I know this isn't an apples to apples list, but narrowed to these 3 as they all had certain features i...
by Trader Joe
Mon Nov 11, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Will I be audited?
Replies: 51
Views: 4237

Re: Will I be audited?

What are my chances of being audited this year or should I worry? Joint Income $240k+ I plan to combine 5 years of charitable giving due to the new tax laws. Specifically, I plan to put 56k into a Donor Advised Fund and give out 14k this year, for a total of 70k of cash giving this year. The goal i...
by Trader Joe
Mon Nov 11, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167385

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

"According To Jim".

Love it.

On the Laff Network (Free OTA TV).

Very funny.
by Trader Joe
Sun Nov 10, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 64
Views: 6389

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

Here is the situation, I appreciate your thoughts: I left a good job at a small company (product based, software company), I was only there for 2 years but I made an impact and was well liked by most people in the company, including the companies senior leadership. The compensation was exceptionall...
by Trader Joe
Sun Nov 10, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11211

Re: Saving seats on Southwest

My wife and I fly Southwest whenever available, and we purchase Early Bird seating. We like the exit rows because they have a little more legroom and the seats in front of you don’t recline. Only once have we ran across seat saving. We boarded a return flight and headed for the open exit rows. SW P...