Search found 129 matches

by perl
Sat Jun 02, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: weighted blankets
Replies: 10
Views: 2015

Re: weighted blankets

I got a locally handmade weighted blanket for my child who has sensory processing disorder. It works great, but is thick and warm. Personally I have always liked heavy blankets and use a heavy duvet cover over my regular insulated comforter for this. I don't know of lightweight ones, but would like ...
by perl
Tue May 22, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 5125

Re: New 2018 Nissan Leaf (with 150 mi range)

Last summer I got a new 2017 Leaf for $11k. It's a great car, comfortable and fun to drive. Enjoy yours!
by perl
Sat May 19, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6113

Re: What’s your phone/internet bill?

$39 total per month for two lines on the Verizon network through puppy wireless, with unlimited talk and text and 2 GB data each.

No home internet or cable service.
by perl
Sat May 19, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48380

Re: "Why 97% of People Don't Use 529 College Savings Plans."

These discussions about the need to max retirement accounts tend not to notice that some people have a lot of tax deferred space. We could contribute over $130k annually to tax deferred and tax free between the IRA, 401a, 403b, 457, and HSA. We don't need all of that, and will probably never hit the...
by perl
Fri May 11, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 240
Views: 31629

Re: MoviePass-Too good to be true, but it's legit.

I tried moviepass, then got busy and wasn't using it. I cancelled using the app 5 times and never got a confirmation of cancellation. I emailed them to confirm and only received an automated email with instructions on how to cancel through the app. When I replied twice asking for confirmation of the...
by perl
Tue May 01, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate = 0.3%
Replies: 62
Views: 7360

New I bond fixed rate 0.3%

The I bond fixed rate is now 0.3%, making I bonds more attractive.

https://www.treasurydirect.gov/news/pre ... atespr.htm
by perl
Sat Apr 28, 2018 4:37 am
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 93
Views: 9327

Re: Yield Curves-Treasury, CD, AA/AAA muni

Can you say something about how you choose and buy brokered CDs? Do you use Vanguard or another platform? Once you've identified a term you want, do you just pick the highest rate with a reasonable spread? Or does the issuing bank matter?
by perl
Thu Apr 26, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6626
Views: 1430787

Re: U.S. stocks in freefall

cfs, can you please stop posting the same thing over and over?
by perl
Tue Apr 17, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5787

Re: I want to pay off my mortgage. Am I crazy?

Pay off mortgage or invest? is a perennial debate here for a simple reason: it doesn't matter that much. Paying off debt is good. Investing is good. You have lots of savings and are continuing to save. It's not like you're choosing between paying off the mortgage versus funding an expensive heroin h...
by perl
Tue Apr 17, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Savings Account?
Replies: 20
Views: 2058

Re: Best High Interest Savings Account?

Alliant credit union is great.
by perl
Sat Feb 24, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 28
Views: 3851

Re: Horrible Experience with Ally New Account Opening Process

Look at Alliant credit union. They have similar savings rates to Ally and have good customer service and fast ACH transfers. I have used them for savings for years and am very happy.
by perl
Sun Feb 11, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Family expecting “comps”
Replies: 38
Views: 5050

Re: Family expecting “comps”

Them: I can't believe you would charge a family member!
Your reply: I can't believe you would steal from a family member!
by perl
Thu Feb 08, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: NYT: "84 percent of all stocks owned by Americans belong to the wealthiest 10 percent"
Replies: 14
Views: 1981

Re: NYT: "84 percent of all stocks owned by Americans belong to the wealthiest 10 percent"

Yes. Wealth is highly concentrated. Income is highly concentrated. Stock ownership is therefore also highly concentrated.
by perl
Thu Feb 08, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Financial advise for a beginner!
Replies: 4
Views: 350

Re: Financial advise for a beginner!

Yes, we need a lot more information.

You'll also likely get more advice if you correct the misspelling of advice in your post title.
by perl
Thu Feb 08, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 30
Views: 4658

Re: How to Invest my HSA - Lively

EquityForAll, thanks.
by perl
Thu Feb 08, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6626
Views: 1430787

Re: U.S. stocks in freefall

El Greco wrote:
Thu Feb 08, 2018 5:30 pm
I'm hearing a lot of whistling past the graveyard here.
I know! Isn't it great? I enjoy it when the market drops.

This is why we get the big bucks.
by perl
Wed Feb 07, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 30
Views: 4658

Re: How to Invest my HSA - Lively

Is there a list of the TDAM commission free ETFs that bogleheads are most interested in (index funds)? I'm considering lively and want to understand the options.
by perl
Tue Feb 06, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6626
Views: 1430787

Re: U.S. stocks in freefall

If this dip is spooking you, I recommend the book Your Money and Your Brain by Jason Zweig. It explains well the neuroscience behind financial and investing decisions, and it has nice checklists of things you can do to limit your instinctive and panic reactions.
by perl
Mon Feb 05, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: Where Are The 100% Equity Bulls? BND up .44%
Replies: 47
Views: 5075

Re: Where Are The 100% Equity Bulls? BND up .44%

While I'm currently 80/20, I was 100% equities both in 2000-01 and 2008-09. Both times were great. I appreciate market crashes.

This isn't a crash. I'm not rebalancing tomorrow because I haven't hit a band.
by perl
Mon Feb 05, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 10829

Re: RBD alert

I'm kind of disappointed my EM funds are down less than my US funds today, because I wanted to buy more of them. I thought EM was more volatile? Being more volatile doesn't mean they are more volatile every single trading session. Yes. Learning that average results don't predict single day results ...
by perl
Mon Feb 05, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Novice 34 y.o. looking for retirement plan guidance
Replies: 16
Views: 1881

Re: Novice 34 y.o. looking for retirement plan guidance

1. Good overall. I would look at backdoor Roth IRAs, especially for your wife while she's in a relatively low tax bracket. 2. Do the 500 index in the 403b since it's your cheapest option. Still ridiculously expensive. Do you have a choice of 403b providers? 3. I would rip off the band aid because th...
by perl
Mon Feb 05, 2018 2:45 am
Forum: Investing - Help with Personal Investments
Topic: Overall Portfolio Plan Critique
Replies: 5
Views: 471

Re: Overall Portfolio Plan Critique

Does your family have any income currently? How much of your expenses are covered? Are you using cash for expenses? What are the job prospects for the unemployed spouse? It doesn't make sense to me to have so much cash and high interest student debt. I would pay off the $35k student loan tomorrow. H...
by perl
Mon Feb 05, 2018 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 6973

Re: Online High yield savings account for emergency funds

Alliant credit union is 1.45% currently. They're a good choice if you prefer a credit union to a bank. They are fast with ACH transfers.
by perl
Mon Feb 05, 2018 1:06 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice for a Boglehead in Training
Replies: 16
Views: 1245

Re: 401k Advice for a Boglehead in Training

Are there insurance plans are your job that are HDHP so you could do an HSA?
by perl
Sun Feb 04, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plans...prioritize in-state deduction or low fees out of state?
Replies: 7
Views: 539

Re: 529 plans...prioritize in-state deduction or low fees out of state?

If you can deduct all contributions, you save 5% x $20,000 = $1,000 by using the state plan. You pay an extra 0.5% x $20,000 = $100 in fees (assuming no huge growth/loss in your investments). In this case using the state plan saves you $900 the year you contribute, and it takes about ten years for t...
by perl
Sun Feb 04, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: general "am I on the right track" question
Replies: 29
Views: 2716

Re: general "am I on the right track" question

Schwab is great if you use their low-cost funds. If you like them, stick with them. Read up on backdoor Roth IRAs and HSAs. HSAs are like magic because they are triple tax deferred: they lower you taxes now, you defer taxes on the growth, and don't pay taxes on the withdrawals if used to reimburse h...
by perl
Sun Feb 04, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: New investor with windfall
Replies: 4
Views: 728

Re: New investor with windfall

Seems reasonable so far.

Do you have other investments besides what you've already mentioned?

Does your spouse work outside the home?

What are you doing for health insurance? Is an HSA an option?
by perl
Sun Feb 04, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice on my financial situation
Replies: 21
Views: 1567

Re: Need some advice on my financial situation

Agreed on keeping the short commute.

Instead of putting 2k/month in a taxable account, you should max out your 401k first. You're passing up tax deferral that is valuable in your tax bracket.

Are you eligible for an HDHP and HSA?
by perl
Sun Feb 04, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: general "am I on the right track" question
Replies: 29
Views: 2716

Re: general "am I on the right track" question

Your savings seem like they are on the low side for your age and income, although perhaps your income has gone up rapidly recently. How long have you been contributing to the 401k? Do you get a match? Is 150k the total in your 401k? What about backdoor Roth IRAs for you and your wife? I wouldn't add...
by perl
Sat Feb 03, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6626
Views: 1430787

Re: U.S. stocks in freefall

I've got a better explanation: Satan.
by perl
Fri Feb 02, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Fund 2017 Roth IRA or pay off truck?
Replies: 30
Views: 1796

Re: Fund 2017 Roth IRA or pay off truck?

Can you find out if there is a website that gives the investment options for the 403b? That's important information, could change the equation a lot.

What tax bracket are you in?
by perl
Fri Feb 02, 2018 12:45 am
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 9287

Re: Fewer acronyms please

Acronyms signal insider status, showing that you are in the know. They are unwelcoming and exclude newcomers. If the forum wants to encourage new people, reducing acronyms would help. I like this idea, but it is not something that everyone supports. In the recent thread about the small number of rep...
by perl
Thu Feb 01, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help AA/Fixed In. TIAA Traditional vs Tot Bond Index
Replies: 4
Views: 400

Re: Help AA/Fixed In. TIAA Traditional vs Tot Bond Index

I do 50/50 total bond/traditional because, first, I want to be able to rebalance, and second, because I want more fixed income diversification. I don't know which will do better over the next 30-40 years, so I have some of both.

Having the stability of traditional is nice.
by perl
Thu Feb 01, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: UK Investing - Pension - three fund portfolio help!
Replies: 12
Views: 701

Re: UK Investing - Pension - three fund portfolio help!

Can you post expenses ratios for these funds?
by perl
Thu Feb 01, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: New to the Group - Advice on current portfolio and plan
Replies: 4
Views: 362

Re: New to the Group - Advice on current portfolio and plan

You have a good plan. If you want to retire early, maxing out everything you can is a good idea. Personally i wouldn't prepay your mortgage, you can get a better return by investing. I would use your extra $100k to start a taxable account, invested according to your allocation. Questions: What fract...
by perl
Mon Jan 29, 2018 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: A Not Paying Off the Mortgage Thread
Replies: 38
Views: 5565

Re: A Not Paying Off the Mortgage Thread

You have a year's expenses in your emergency fund. That's enough for that bucket.

Take everything else and invest it according to your allocation. If you've nervous, start with a more conservative allocation like 70/30.

Don't pay down the mortgage. Maintain liquidity instead.
by perl
Sun Jan 28, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: New Member - Roth IRA question
Replies: 6
Views: 807

Re: New Member - Roth IRA question

Please write the names of the funds you are considering, not just the tickers.

Do you have other investments? How are they invested?
by perl
Fri Jan 26, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Securities transaction fee
Replies: 14
Views: 1339

Re: Securities transaction fee

Bumping this thread because I've been reading up on securities transaction fees when selling ETFs. Do all brokers pass this fee on to their customers for all sales? Do all brokers charge the same amount for this fee?
by perl
Wed Jan 24, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should I (and my wife) convert traditional IRAs to ROTH IRAs?
Replies: 6
Views: 782

Re: Should I (and my wife) convert traditional IRAs to ROTH IRAs?

Are you planning to retire early, before you start taking social security? If so, at what age?
by perl
Wed Jan 24, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 9645

Re: Working in the real world

Talking about "the real world" is almost always insulting because everyone lives in the real world. Wealthy professionals live in the real world. Poor migrant farmworkers also live in the real world. New York lawyers work in the real world. Northeast Ohio engineers also work in the real world. Profe...
by perl
Wed Jan 24, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: 22 yo with 70k new to investing with almost entire salary going towards savings
Replies: 22
Views: 2329

Re: 22 yo with 70k new to investing with almost entire salary going towards savings

Do you have access to vanguard lifestrategy funds? That's a great place to start while you're learning. I would suggest the lifestrategy growth fund: you'll be diversified in stocks (80%) and bonds (20%) both in the US and internationally. Your money will be in a great place while you learn more. Al...
by perl
Wed Jan 24, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: completely new, trying to understand minimum investments
Replies: 17
Views: 849

Re: completely new, trying to understand minimum investments

I would suggest that you put it all in one of the Lifestrategy funds for now. I would do the Lifestrategy growth fund, since it's diversified and close to your desired allocation. Keep it simple now and give yourself some time to learn. Once you build up to more than 40k, reconsider because you'll h...
by perl
Sun Jan 21, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Range Hood Blower Sizing
Replies: 40
Views: 1979

Re: Range Hood Blower Sizing

Very helpful, thanks.
by perl
Sun Jan 21, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Range Hood Blower Sizing
Replies: 40
Views: 1979

Re: Range Hood Blower Sizing

Can I add some questions to this thread? We're planning to add a range hood to our kitchen. I'd like resources for figuring out how powerful it should be - where are the formulae in this thread from?

Also, what retailers of hoods have you used? The ones we have looked at haven't been appealing.
by perl
Thu Jan 18, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to try to time the I-Bond market?
Replies: 13
Views: 1408

Re: Is it reasonable to try to time the I-Bond market?

The best timing you can do is to buy near the end of the month, because you will get interest for the whole month.
by perl
Thu Dec 21, 2017 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 57892

Re: Tax Bill Omnibus Thread

Can someone clarify the times rules on home equity loan interest deductibility? Is it completely removed, or still deductible if used for home improvements?
by perl
Sat Oct 21, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Seeking Insights for Family Member Providing Daycare
Replies: 10
Views: 1153

Re: Seeking Insights for Family Member Providing Daycare

Most professional daycares in my area have a written Parent Handbook that outlines philosophy, expectations, and policies. Perhaps you could work with your daughter and son in law to put together a written agreement like this. Not so that you have a rigid set of rules, but because the process of wri...
by perl
Fri Oct 06, 2017 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 6509

Re: Anyone go 100% Ally or another online bank for all banking needs?

Another Schwab customer here. They have fabulous customer service. And they do have branches if you need one at some point.
by perl
Sat Sep 30, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 4890

Re: For buying house: how do you know which schools are "good"?

What most people consider good schools is determined solely by standardized test scores. The great schools ratings, for example, are based on test scores. Standardized test scores are more highly correlated with socioeconomic status and race than with any other variables. If you don't define "good" ...