Search found 324 matches

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: 1141

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: 5328

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: 3150

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: 2103

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: 7673

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: 2103

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: 2103

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: 4447

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: 6827

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: 2103

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: 2103

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: 2103

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: 6827

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: 1682

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: 1454

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: 7350

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: 1040

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: 1454

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: 525

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: 3200

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: 525

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.
by k3vb0t
Tue May 28, 2019 4:35 pm
Forum: Personal Investments
Topic: New here also seeking advice
Replies: 8
Views: 557

Re: New here also seeking advice

Utilize this format when asking for investment advice: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 You haven't provided enough specifics for us to be able to help you. Then spend some time in the wiki: https://www.bogleheads.org/wiki/Getting_started You could also peruse the 3 fund por...
by k3vb0t
Mon May 27, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Would you keep this rental? Bay Area
Replies: 28
Views: 2211

Re: Would you keep this rental? Bay Area

But the OP is also building equity. Probably not enough for me to think it's worthwhile to keep it though If I had an illiquid asset that I had invested ~$135k in that was generating a variable monthly profit with a current max ceiling of $200 and a minimum profit in the negatives due to repairs, a...
by k3vb0t
Mon May 27, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Would you keep this rental? Bay Area
Replies: 28
Views: 2211

Re: Would you keep this rental? Bay Area

$200 per month for the hassle of renters? You’re one repair from wiping out your profit each year. Sell and invest the proceeds. You can buy back in if you ever want to move back with your bigger portfolio. Or not because life will have changed but you’ll be $300k to the better in the net worth colu...
by k3vb0t
Mon May 27, 2019 7:13 pm
Forum: Personal Investments
Topic: Portfolio for young, worried investor
Replies: 48
Views: 3220

Re: Portfolio for young, worried investor

Because so worried, you could consider a classic 60/40 equity/fixed income asset allocation like this: 1) 45%; 2) 15%; and 3) 40%. Wouldn't this have dropped 30% in 2008? Aren't portfolios 1&2 better because they would have dropped less in 2008? I am trying to design a portfolio that will get throu...
by k3vb0t
Mon May 27, 2019 6:41 pm
Forum: Personal Investments
Topic: Portfolio for young, worried investor
Replies: 48
Views: 3220

Re: Portfolio for young, worried investor

18 year old college student with no income. I applaud you for wanting to get headed in the right direction. How much money are we talking here? A good amount of money... much, much more than I can save after 4 years of a part-time job. Ooookay. Bottom line: you invest any money toward a goal. If th...
by k3vb0t
Mon May 27, 2019 6:22 pm
Forum: Personal Investments
Topic: Portfolio for young, worried investor
Replies: 48
Views: 3220

Re: Portfolio for young, worried investor

Strange to hear a college student with no plans to earn any money during their college years. It seems to me that holding down a part-time and/or summer job of some sort is a valuable part of your human capital formation, completely aside from its benefits in qualifying for retirement investing acc...
by k3vb0t
Mon May 27, 2019 6:17 pm
Forum: Personal Investments
Topic: Portfolio for young, worried investor
Replies: 48
Views: 3220

Re: Portfolio for young, worried investor

18 year old college student with no income.

I applaud you for wanting to get headed in the right direction.

How much money are we talking here?
by k3vb0t
Mon May 27, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: M/39/Single - need to take a career break to address mental health; looking for advice on provided financial situation
Replies: 33
Views: 4027

Re: M/39/Single - need to take a career break to address mental health; looking for advice on provided financial situati

As others have said it shouldn’t seem bold to take time off to get right mentally, but in our society a lot of times it is. I think a lot of what you plan to do would depend on what happens after the break. Perhaps there’s no way for you to know that right now but it would help with the planning. Ma...
by k3vb0t
Sun May 26, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 87
Views: 8563

Re: No more print Money magazine

My Dad got me a subscription when I entered college. That and a compassionate Corporate Finance 101 Professor who added teaching his students about investing $1,000 each year for ten years and coming out ahead of someone who waited ten years and invested $1,000 each year until retirement to his curr...
by k3vb0t
Fri May 24, 2019 11:17 am
Forum: Personal Investments
Topic: I need HSA advice!
Replies: 14
Views: 1710

Re: I need HSA advice!

You should also check to see if there are fees for having the account just sit there and not contributing anything. I got dinged a few years ago when I switched over to my wife's insurance, something like $5/month to have the money just sit there and no option to invest it. Death by fees.
by k3vb0t
Fri May 24, 2019 9:12 am
Forum: Personal Investments
Topic: Use HSA To Buy Boat?
Replies: 11
Views: 828

Re: Use HSA To Buy Boat?

In the example you noted, you have a baby at age 35. It costs you $5,000. Instead of filing your $5,000 in expenses for immediate reimbursement from your HSA, you scan the receipts and hold onto them. Instead, you pay out of pocket/cash flow for those $5,000 in expenses. 20 years later, you need/wan...
by k3vb0t
Thu May 23, 2019 11:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard Market and Economic Perspectives: May 2019
Replies: 8
Views: 731

Re: Vanguard Market and Economic Perspectives: May 2019

A question I would ask is, if nobody really knows anything, why in particular should we trust Vanguard’s thoughts on the future (just as anyone else’s)? The answer is that some people actually do know some things. I'm not saying you, personally, need to act on Vanguard's estimates just that are mor...
by k3vb0t
Thu May 23, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 30
Views: 2038

Re: ongoing eBay buying problems

You haven’t provided enough clear detail to explain your problem, at least from how I’m reading it. Can't make purchases on eBay. Long time eBayer. No CC or PayPal problem anywhere else. "Reps" no help. Are you able to make routine eBay buys lately? Both buy and sell on very small scale, but the im...
by k3vb0t
Thu May 23, 2019 8:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard Market and Economic Perspectives: May 2019
Replies: 8
Views: 731

Re: Vanguard Market and Economic Perspectives: May 2019

A question I would ask is, if nobody really knows anything, why in particular should we trust Vanguard’s thoughts on the future (just as anyone else’s)? Did they put out a 10 year perspective 10 years ago that was spot on? I’m of the set it and forget it type — not planning to make major adjustments...
by k3vb0t
Thu May 23, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 30
Views: 2038

Re: ongoing eBay buying problems

You haven’t provided enough clear detail to explain your problem, at least from how I’m reading it.
by k3vb0t
Wed May 22, 2019 9:15 pm
Forum: Personal Investments
Topic: Frozen by uncertainty, really want to unfreeze
Replies: 34
Views: 3290

Re: Frozen by uncertainty, really want to unfreeze

You’re burning through $3-4K per month on things besides gas and groceries and you want to do your basement??? Sure your Comcast bill could be lower but what, $50 per month less? That’s meaningless when you are burning through so much cash. I’d get all of my credit card statements out and name a cat...
by k3vb0t
Wed May 22, 2019 6:58 am
Forum: Personal Investments
Topic: Frozen by uncertainty, really want to unfreeze
Replies: 34
Views: 3290

Re: Frozen by uncertainty, really want to unfreeze

Agree with others that you should post a breakdown of monthly expenses. Where are you spending roughly $100k per year? (200k - approx 60k taxes - 28.8k mortgage)? That’s $8,300/month. Drop $35k of that checking account into an online account like Ally (2.2%, there are others paying slightly higher) ...
by k3vb0t
Tue May 21, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance requires net worth + tax returns
Replies: 8
Views: 1258

Re: Life insurance requires net worth + tax returns

Sounds like not term life insurance. Use AccuQuote or SelectQuote. Pretty simple stuff. Never had to do any of that stuff either.

Also, now you’re getting a taste of why having a broker is a bad idea.

Now go ask your broker if they have a fiduciary duty to you...
by k3vb0t
Mon May 20, 2019 9:34 pm
Forum: Personal Investments
Topic: Should I convert bonds to ETFs in my 401K due to Vanguard's new fees?
Replies: 24
Views: 1515

Re: Should I convert bonds to ETFs in my 401K due to Vanguard's new fees?

You have a nice, simple 3 fund portfolio. Sit back, relax, and focus on other areas of life. I think I read recently you can call Vanguard and they can switch you over to ETFs without any issues as some of the ETF fees are a few basis points below the mutual fund fee. But to me that’s mostly roundin...
by k3vb0t
Mon May 20, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Life change. Portfolio Review for 45 y.o.
Replies: 7
Views: 1348

Re: Life change. Portfolio Review for 45 y.o.

Can you sell the firm to your employees or one of them? Might be an easy way to get out and still earn something off of it? Could you hire a business manager and still generate some income without completely giving it up?
by k3vb0t
Mon May 20, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Big credit card charges coming up, should I sign up for a bonus card?
Replies: 19
Views: 1527

Re: Big credit card charges coming up, should I sign up for a bonus card?

Do you like free money or points/miles that could fit your use case and equate to free money?

If yes, I’d get new cards. (Also assuming no major loan applications coming up, etc.)
by k3vb0t
Mon May 20, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14327

Re: FIRE - What am I missing in the News Stories

I’ll imagine if we have a significant downturn you’ll start seeing articles about people who “caught on FIRE” and had to go back to work, their lives are ruined, etc. :sharebeer I like that one... I don't. It' rooting people to fail so one can feel smug about it. Overall I think FIRE is way overblo...
by k3vb0t
Sun May 19, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Churning Credit Cards
Replies: 57
Views: 4501

Re: Churning Credit Cards

triggerfish10 wrote:
Sun May 19, 2019 8:22 am
How much is one's credit score affected by applying for several credit cards every year?
If you pay them off and don’t miss payments it can actually help. My credit score (which was already great) improved when my wife and I churned a bunch of cards for a European vacation a few years ago.
by k3vb0t
Sun May 19, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14327

Re: FIRE - What am I missing in the News Stories

The other thing to remember is that we are probably talking about a tiny number of people doing it but they make a good press story. Nobody wants to read about the guy that saves 20%/year and retires at 55. The guy that saves 60% and retires at 35 is something that people will talk about (both the ...
by k3vb0t
Sun May 19, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Personal Umbrella Insurance from USLI -- sound ok?
Replies: 15
Views: 806

Re: Personal Umbrella Insurance from USLI -- sound ok?

I got $1 million with Progressive for $135/year.

As others have noted it can depend on where you live, what assets you have, etc., but $300 seems steep. I think Geico quoted me $165 or $170 for $1 million.
by k3vb0t
Sun May 19, 2019 6:34 am
Forum: Personal Investments
Topic: 529 Questions
Replies: 6
Views: 574

Re: 529 Questions

You can also both contribute to their 529, but then you would not own the funds, the account owner would. I agree that both can contribute. Can you explain what “but then you would not own the funds” means? For example, when is the grandfather the owner of the 529 vs not being the owner? I believe ...
by k3vb0t
Sat May 18, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: A nudge: Shop your insurance around!
Replies: 10
Views: 1322

Re: A nudge: Shop your insurance around!

+1 This is a thing on my calendar once every 12 months now. Was able to switch my home to different company for more coverage at less cost, and my auto to another organization that was so cheap I could pick up our first umbrella policy with the money saved by switching. And home/auto include better ...
by k3vb0t
Fri May 17, 2019 1:25 pm
Forum: Personal Investments
Topic: Delete
Replies: 18
Views: 3703

Re: 30 years old, What should I do with all this cash?

@kv3b0t - in terms of why I started looking into something else: I feel that VHCAX is starting to become too large a part of my portfolio. Since my largest recurring monthly payments go into my taxable account of which VHCAX is the sole fund, that percentage of my portfolio has been ballooning. It'...
by k3vb0t
Wed May 15, 2019 1:48 pm
Forum: Personal Investments
Topic: Delete
Replies: 18
Views: 3703

Re: 30 years old, What should I do with all this cash?

I prefer low-cost funds that I can invest in and forget. My initial thought was to put money into VTSAX, but I already have such a large allocation into funds tracking the broad market, that I started thinking it might be a good idea to look into something else . I'd be grateful to hear of any othe...