Search found 353 matches

by k3vb0t
Mon Sep 16, 2019 7:51 pm
Forum: Investing - Theory, News & General
Topic: Firstrade is hacked by HackerOne
Replies: 8
Views: 1458

Re: Firstrade is hacked by HackerOne

Actually the fact that they participate with HackerOne should make you feel better. HackerOne has strict guidelines for their hackers who (if I remember correctly) only get compensated with a “bug bounty” if they successfully identify an issue with the website/infrastructure. The hackers try to brea...
by k3vb0t
Mon Sep 16, 2019 7:36 pm
Forum: Personal Investments
Topic: Late starter - Need help
Replies: 26
Views: 2897

Re: Late starter - Need help

First, welcome to the forum. Second, s-l-o-w d-o-w-n. You’ve stepped into a new world full of choices. Since you’re at the beginning of your journey you should learn before you leap. Lots of learning first before you start slicing and dicing your portfolio. The best option right now is the Target Da...
by k3vb0t
Thu Aug 01, 2019 4:55 pm
Forum: Personal Investments
Topic: Vanguard Frustrations - No Free Trades/Matching Offers
Replies: 75
Views: 3812

Re: Vanguard Frustrations - No Free Trades/Matching Offers

You misunderstand Vanguard’s mentality, structure, and mission. You transfer an account without doing any research (and no transfer offer like other brokerages). You have multiple small investments due to prior investing mistakes. You expect something for free at a company with a low-cost, owned by ...
by k3vb0t
Sun Jul 28, 2019 6:54 am
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4156

Re: Bootstrapping a company with retirement money

I would go talk to VCs and angel investors to validate my confidence in my idea before sinking my meager retirement savings on a moonshot gamble I would make it big. It’s not the idea, it’s the execution. Lots of people have great ideas but can’t execute. A vast number of businesses go under within...
by k3vb0t
Fri Jul 26, 2019 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: I Pay a city tax but I no longer work and live in the city
Replies: 14
Views: 2473

Re: I Pay a city tax but I no longer work and live in the city

The tax is likely tied to your worksite location. Your employer doesn’t have a branch of the company in your home office. You are tied to the one in the city. So you pay the tax. Or you could call your city to see who exactly the tax is leveraged against — my guess is the above, but hey taxes are we...
by k3vb0t
Fri Jul 26, 2019 10:33 pm
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4156

Re: Bootstrapping a company with retirement money

I would go talk to VCs and angel investors to validate my confidence in my idea before sinking my meager retirement savings on a moonshot gamble I would make it big. It’s not the idea, it’s the execution. Lots of people have great ideas but can’t execute. A vast number of businesses go under within ...
by k3vb0t
Thu Jul 25, 2019 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Feel like we are spinning our wheels (financially speaking). How far behind are we?!
Replies: 63
Views: 6492

Re: Feel like we are spinning our wheels (financially speaking). How far behind are we?!

hey all. a lot of the rush/"need" to buy a home is definitely ingrained in me by family. in fact, my brother from out of town was remaking about how if i had just bought a house 4-5 years ago instead of paying rent then i'd "have something to show for it" instead of "paying someone else's mortgage"...
by k3vb0t
Wed Jul 10, 2019 7:27 am
Forum: Investing - Theory, News & General
Topic: How to calculate % of my International Fund relative to the rest?
Replies: 14
Views: 961

Re: How to calculate % of my International Fund relative to the rest?

So do a lot of people have Say 10-20% of TOTAL portfolio in international OR JUST WITHON THE STOCK HOLDOGS? Obviously as a % of total portfolio you’d need to invest a greater $ figure into international That really depends on the investor. Vanguard is recommending ~40% of your stock allocation by i...
by k3vb0t
Wed Jul 10, 2019 6:37 am
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 70
Views: 8507

Re: Survived the First Week [of retirement, what's next?]

I’m 30 years behind you but the psychological impact of retirement transitions fascinate me. It sounds like you aren’t in the best health (pain meds, two knee replacements) and your wife doesn’t want you to go back to work. Just based on what you’ve stated you clearly get a lot of satisfaction about...
by k3vb0t
Tue Jul 09, 2019 6:38 pm
Forum: Personal Investments
Topic: Help - Talk to me like I'm 4 y/o please
Replies: 97
Views: 10370

Re: Help - Talk to me like I'm 4 y/o please

The first and most important question you ask your advisor is “do you have a fiduciary duty to me?” No offense, but I don't see the utility of this. Vanguard doesn't have a fiduciary duty. So what? The vast majority of financial advisors (good or bad) don't have a fiduciary duty. Does having a fidu...
by k3vb0t
Tue Jul 09, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Searching for one-time financial adviser...
Replies: 6
Views: 824

Re: Searching for one-time financial adviser...

You can find a fee-only at NAPFA.org
by k3vb0t
Tue Jul 09, 2019 12:05 am
Forum: Personal Investments
Topic: Help - Talk to me like I'm 4 y/o please
Replies: 97
Views: 10370

Re: Help - Talk to me like I'm 4 y/o please

I must tell you. I love you and I hate you at the same time. You laid out perfectly what I didn't want to see - but needed to. I need an emoji vomiting. Thank you. For the record, I tell my personal trainer I hate him all the time too - it's a term of endearment I assure you! :D ... Question re: th...
by k3vb0t
Mon Jul 08, 2019 7:16 pm
Forum: Personal Investments
Topic: Help - Talk to me like I'm 4 y/o please
Replies: 97
Views: 10370

Re: Help - Talk to me like I'm 4 y/o please

The first and most important question you ask your advisor is “do you have a fiduciary duty to me?” If the answer is anything but a yes with an explanation... you know advisor is, and will continue to be, not aligned with your interests. You’re getting double whammied here — 1% plus high expense rat...
by k3vb0t
Mon Jul 08, 2019 6:40 am
Forum: Personal Investments
Topic: My asset allocation for an agressive 29 yo - any thoughts?
Replies: 19
Views: 1857

Re: My asset allocation for an agressive 29 yo - any thoughts?

KageC, it might be beneficial for you to explain your own reasoning on why your selected those funds/ETFs/Asset Allocation before requesting advice. Is there a reason you've avoided a 3 fund portfolio? Also agree with others that when you've got less than 10% in anything it is highly unlikely to add...
by k3vb0t
Sat Jul 06, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Customer negotiating invoice payment
Replies: 17
Views: 1635

Re: Customer negotiating invoice payment

Mike Scott wrote:
Sat Jul 06, 2019 4:15 pm
Contract or not, I think my first response would be "we agreed on 12K, is there a problem with my work"?
Start simple. I’d go here. And I would document via email.
by k3vb0t
Thu Jul 04, 2019 4:23 pm
Forum: Investing - Theory, News & General
Topic: Blockbuster
Replies: 34
Views: 3213

Re: Blockbuster

I think the best way to look at this is, is the words of F. W. Schwinn, head of the once-dominated Schwinn bicycle company: A young man in business is in danger of thinking that some day, when he has really mastered his job, everything will good smoothly. It is never going to happen. You had better...
by k3vb0t
Thu Jul 04, 2019 4:20 pm
Forum: Investing - Theory, News & General
Topic: How do you brace for impact?
Replies: 65
Views: 6086

Re: How do you brace for impact?

For those saying to have an AA that you can weather a massive downturn in, I think the trick is figuring out how to model that psychologically for investors that haven’t experienced it. As with other popular threads here on BH (thinking of the 2008/2009 one about panic and “I can’t believe I’m about...
by k3vb0t
Wed Jul 03, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: Pricing Question [for car value - Manheim or KBB?]
Replies: 8
Views: 542

Re: Pricing Question

We can’t be talking about more than a few thousand dollars, right? It’s a 15 year old car with 175,000 miles. Sell it for whatever price you can get for it.
by k3vb0t
Wed Jul 03, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: The Day Has Come - Hit Retirement Number - Now What?
Replies: 103
Views: 10635

Re: The Day Has Come - Hit Retirement Number - Now What?

It sounds like you’re not quite ready if your wife being unable to work for the next 10 years would be catastrophic. All of the other points made here are valid, but that sticks out as a giant red flag to me. Sure, she might be able to go the full 10 years but what if she can’t? I’d work until you ...
by k3vb0t
Wed Jul 03, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: The Day Has Come - Hit Retirement Number - Now What?
Replies: 103
Views: 10635

Re: The Day Has Come - Hit Retirement Number - Now What?

It sounds like you’re not quite ready if your wife being unable to work for the next 10 years would be catastrophic. All of the other points made here are valid, but that sticks out as a giant red flag to me. Sure, she might be able to go the full 10 years but what if she can’t? I’d work until you c...
by k3vb0t
Wed Jul 03, 2019 6:45 pm
Forum: Personal Investments
Topic: Months from Retirement, Gut Check, questions
Replies: 19
Views: 3140

Re: Months from Retirement, Gut Check, questions

Honestly 50:50 ratio while not ideal isn't that bad. Just do not take off more money 50:50 is about the minimum you should go. Just to be clear, your advice is that a stock allocation greater than 50% is too much risk? Meaning 50% stocks is the minimum stock allocation. Also if you want to respond ...
by k3vb0t
Wed Jul 03, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: Blockbuster
Replies: 34
Views: 3213

Re: Blockbuster

I don't think it matters much WHY a company goes under, just recognize that companies can and do go under for many reasons. I own a company that employs 13 people... this is why I try to learn from past situations like this. It's really hard to tell from snippets of quotes of what really happened t...
by k3vb0t
Tue Jul 02, 2019 5:58 am
Forum: Personal Investments
Topic: Months from Retirement, Gut Check, questions
Replies: 19
Views: 3140

Re: Months from Retirement, Gut Check, questions

LuigiLikesPizza wrote: ↑Sun Jun 30, 2019 4:20 pm Private Employer: $831/month payable now, not COLA adjusted Federal Pension: later this year will be approx $1,000/month minus $160/month for health insurance Social Security $2000 at age 62 $3044 at age 67 Total at 67, $4,875 a month, $58,500 a year...
by k3vb0t
Wed Jun 26, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Going to Ireland in July
Replies: 24
Views: 1700

Re: Going to Ireland in July

Cliffs of Moher if you're going out west toward Galway. There's another cliff I believe north of that that is less populated and even better views, but I can't recall the name -- we didn't do it. Most Spectacular Cliffs of Kerry I think. We went in March and were the only people at the "Most Specta...
by k3vb0t
Tue Jun 25, 2019 6:56 am
Forum: Personal Consumer Issues
Topic: Going to Ireland in July
Replies: 24
Views: 1700

Re: Going to Ireland in July

Cliffs of Moher if you're going out west toward Galway. There's another cliff I believe north of that that is less populated and even better views, but I can't recall the name -- we didn't do it. My wife and I rented in Dublin from the local Ireland/Dublin brand rather than Avis/etc. It was a better...
by k3vb0t
Sun Jun 23, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16641

Re: what was your worst major purchase? mine is a 2019 mazda3

thanks for all the replies and this is why I love this forum, it has put my perspective back in place. yes I will get the car repaired under warranty and yes I agree in the big picture it is a minor issue and maybe I posted just to vent and I am lucky as some pointed out that this is my worst purch...
by k3vb0t
Sat Jun 22, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16641

Re: what was your worst major purchase? mine is a 2019 mazda3

bubbadog wrote:
Sat Jun 22, 2019 8:40 am
A lighthouse!

No kidding :oops:
Story, please!
by k3vb0t
Sat Jun 22, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16641

Re: what was your worst major purchase? mine is a 2019 mazda3

Our first house in September 2007 with 5% down in a city 6 hours from family when we were young in our careers... sold 3.5 years later for a $40k loss to move close to family to start having kiddos. But we had paid off the second mortgage and didn’t have to bring cash to closing, so that’s something...
by k3vb0t
Sat Jun 15, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching a 4 Year old donating with quarters
Replies: 13
Views: 1250

Re: Teaching a 4 Year old donating with quarters

Save it up and offer to match the donation (1x, 3x whatever). Then take it in person to your favorite charitable cause so he can see the reaction.

Alternatively do the same thing and show how you’re sending the money to them online.
by k3vb0t
Wed Jun 12, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: (Water Filtration System) Miracle we are all not dead
Replies: 61
Views: 5750

Re: (Water Filtration System) Miracle we are all not dead

As dalbright mentioned you left out a key piece of info: are you getting well water or from a municipality? My municipality/local water provider has an annual report where they show all of the levels at multiple testing sites and what, if any, remediation was done based on results that were out of s...
by k3vb0t
Tue Jun 11, 2019 6:08 pm
Forum: Personal Investments
Topic: My Retirement "Catch Up" plan. Please help/critique.
Replies: 23
Views: 3464

Re: My Retirement "Catch Up" plan. Please help/critique.

Let me get this right... You realize you're starting late and are behind the game both in knowledge and in retirement funds saved. And you want to go about picking individual stocks based on a hunch/prior performance of 10-30 years instead of doing deep financial analysis like an entire team of acti...
by k3vb0t
Thu Jun 06, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Trip to Vermont/New Hampshire
Replies: 34
Views: 2269

Re: Trip to Vermont/New Hampshire

I think this thread has reached the "okay, wow, lots of different options/opinions" phase and I'm a little overwhelmed! Will sit down with my wife in the coming week and plot a course, hope for the best, and set expectations for terrible colors but an enjoyable time together so that anything beyond ...
by k3vb0t
Wed Jun 05, 2019 10:37 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 8271

Re: What flagship (even used) item is better than a budget new item?

Bought my first pair of Costa Del Mar sunglasses about a decade ago. I had been using $20 sunglasses from Walmart and the like. Instead of having to replace annually (and getting headaches from then squeezing my large head) the Costas are still going along great. No hinge problems. Have different si...
by k3vb0t
Tue Jun 04, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Trip to Vermont/New Hampshire
Replies: 34
Views: 2269

Re: Trip to Vermont/New Hampshire

I think it would be worth the drive to Nashville because you will get quite a few direct flight options to Boston and they can be very cheap. I have seen one way fares BNA to BOS in the $50-$60 range. I’ll look into it. We have ... many hundreds of thousands of AA miles that we are trying to use be...
by k3vb0t
Tue Jun 04, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Trip to Vermont/New Hampshire
Replies: 34
Views: 2269

Re: Trip to Vermont/New Hampshire

FWIW, about 6 weeks ago I took the Vermonter from Penn Station to Springfield, Mass. Obviously I can't comment on the scenery north of Springfield, but I can say that the crew was friendly, the bathrooms were perfectly clean, and the trash cans weren't overflowing... Yea like I said I figured 1. pe...
by k3vb0t
Tue Jun 04, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Paying half of my paycheck on health insurance?
Replies: 63
Views: 4743

Re: Paying half of my paycheck on health insurance?

The high health care insurance premium is only half of your equation, and not the half you can do much about. Concentrate on the better job side of the equation. Call center jobs for most young people should be short term employment. What is your next step in order to increase your income and quali...
by k3vb0t
Tue Jun 04, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 68
Views: 7247

Re: Tell us your side hustle success stories.

I’m also an adjunct professor in a LCOL area. I get paid $1500 per every 8-week graduate business course I teach. Additionally, I buy acreage and subdivide it into smaller lots. My first flip brought in about $100k before taxes on a $155k investment. Looking to buy another one now. $100k profit you...
by k3vb0t
Tue Jun 04, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: Trip to Vermont/New Hampshire
Replies: 34
Views: 2269

Re: Trip to Vermont/New Hampshire

First, there’s nothing outdated about the thread you referenced. Second, timing peak foliage in northern New England is not an easy task. We live in the Berkshires and have been going to the Stowe - Smugglers Notch area for twenty plus years for a week in early October and sometimes we hit peak and...
by k3vb0t
Mon Jun 03, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Trip to Vermont/New Hampshire
Replies: 34
Views: 2269

Re: Trip to Vermont/New Hampshire

We really enjoyed our visit about 10 years ago to the Shaker Village in Canterbury, NH. Had a nice lunch at the restaurant there. We also enjoyed our day in Portsmouth, NH. In Greater Boston, a trip to Concord (Walden Pond, the writers corner at the cemetery, the obelisk) is a lovely trip into the ...
by k3vb0t
Mon Jun 03, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Trip to Vermont/New Hampshire
Replies: 34
Views: 2269

Re: Trip to Vermont/New Hampshire

I'll get this started. You will likely get plenty of advice on this topic. Planning for "peak foliage" can be tricky, as it varies year-to-year. You can always plan to travel either north or south from a central location if you are a few days off to find the best color. The unofficial peak is Colum...
by k3vb0t
Mon Jun 03, 2019 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 68
Views: 7247

Re: Tell us your side hustle success stories.

First real side hustle was a personal finance blog that I ran in the late 00's to early teens (what else are we supposed to call these times!). I wasn't very good at it, but it earned a few hundred bucks per month in ad revenue. When I got burnt out on it I sold it for low five figures which honestl...
by k3vb0t
Mon Jun 03, 2019 8:40 am
Forum: Personal Investments
Topic: Frustrated over in-laws investments
Replies: 14
Views: 1725

Re: Frustrated over in-laws investments

Only thing I can think of is if the lawyers want a new financial professional, insist on a fee-only CFP via NAPFA.org. Most likely to provide unbiased, poke holes in the assumptions from the other "advisors" and provide a legitimate plan for both parties. Edit: Also, I'd insist someone asks the othe...
by k3vb0t
Sun Jun 02, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: Modeling Worst Case Scenarios & Does AA Matter When Consistently Contributing?
Replies: 16
Views: 1514

Re: Modeling Worst Case Scenarios & Does AA Matter When Consistently Contributing?

Here's a modeler for calculating Nikkei returns for any date ranges from 1950-on in yen, dollars, and with or without inflation adjustment. https://dqydj.com/nikkei-return-calculator-dividend-reinvestment/ I believe you will see very low but positive returns for recent 20 year or so spans. However,...
by k3vb0t
Sun Jun 02, 2019 12:30 pm
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7971

Re: Do you regret taking a pay cut for quality of life?

I took a pay cut of about 33% due to burn out and having a child, and waiting stability in my income (base/bonus vs low base/commission). But I traveled a lot. Loved it, but once my kid was old enough to realize I was gone switched to a different role at same income but 100% remote. In the midst of ...
by k3vb0t
Sun Jun 02, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off debt or create passive income?
Replies: 12
Views: 1101

Re: Pay off debt or create passive income?

You've been unable to make a dent in $50k in debt, but you want to take on more debt to become a landlord -- something you presumably have zero experience in? What happens when you have 2 or 3 months of unexpected vacancy or repairs and find yourself paying the full mortgage/utilities/etc. for the r...
by k3vb0t
Thu May 30, 2019 3:31 pm
Forum: Investing - Theory, News & General
Topic: Modeling Worst Case Scenarios & Does AA Matter When Consistently Contributing?
Replies: 16
Views: 1514

Modeling Worst Case Scenarios & Does AA Matter When Consistently Contributing?

I'm trying to model the known 'worst case scenarios' using Portfolio Visualizer or other tools. I'm aware the next recession may not be like Black Friday, Dot Com Bust, Great Recession, etc., but it's kind of all I have to go off of. (If there are tools that let you come up with new horrific financi...
by k3vb0t
Thu May 30, 2019 9:21 am
Forum: Personal Investments
Topic: 1 Year Treasuries different at Fidelity (2.32) vs Vanguard (2.53) . . . Why?
Replies: 4
Views: 557

Re: 1 Year Treasuries different at Fidelity (2.32) vs Vanguard (2.53) . . . Why?

Sandtrap wrote:
Thu May 30, 2019 9:16 am
Aha!

Why did I not see that? :oops:

Thanks for the help.
j :D
More coffee needed? :beer
by k3vb0t
Thu May 30, 2019 8:57 am
Forum: Personal Investments
Topic: Am I playing a losing game?
Replies: 33
Views: 3331

Re: Am I playing a losing game?

Do you believe active management can outperform passive management over 20-30 years? If so: do you believe the management teams running those specifics funds and charging those specific ERs can outperform passive management over 20-30 years? If so: then you should feel comfortable with your portfoli...
by k3vb0t
Thu May 30, 2019 8:54 am
Forum: Personal Investments
Topic: 1 Year Treasuries different at Fidelity (2.32) vs Vanguard (2.53) . . . Why?
Replies: 4
Views: 557

Re: 1 Year Treasuries different at Fidelity (2.32) vs Vanguard (2.53) . . . Why?

Sandtrap wrote:
Thu May 30, 2019 8:18 am
Vanguard FIxed Rate Chart (summary page):
https://personal.vanguard.com/us/FixedIncomeHome
If you click on the 2.53% 1 year Treasury at Vanguard, you'll see there is an offering at the top that matures tomorrow.

The rest are 2.37% (and lower) due to the price being below par.