Search found 106 matches

by humbledinvestor
Sun Oct 18, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: 2nd house, for Univ. kids/students
Replies: 41
Views: 2834

Re: 2nd house, for Univ. kids/students

OP, please don’t do it. Invest it in VTSAX or S&P index instead and enjoy life.
by humbledinvestor
Thu Oct 08, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: Buying a Tesla
Replies: 84
Views: 7065

Re: Buying a Tesla

Buy, buy, buy!
by humbledinvestor
Mon Oct 05, 2020 7:23 pm
Forum: Personal Consumer Issues
Topic: Resolved-Buy older model used Mercedes?
Replies: 37
Views: 2336

Re: Buy late model used Mercedes?

hicabob wrote: Mon Oct 05, 2020 10:34 am Used Mercedes are known for being more expensive than new ones. Listen to Scotty

https://www.youtube.com/watch?v=XV9rJwE ... ottyKilmer
+ 1 for listen to Scotty.
by humbledinvestor
Mon Sep 21, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce - Need Help, California
Replies: 40
Views: 4094

Re: Divorce - Need Help, California

I have sent you a PM with a very useful site. From your post I can sense some uncertainty in terms of whether you both want this, will it be amicable etc. Check that message and post all your questions on the link I have sent you.
by humbledinvestor
Mon Sep 21, 2020 7:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20302
Views: 2774862

Re: U.S. stocks in free fall

lostdog wrote: Sun Sep 20, 2020 5:26 pm Possibly another red day tomorrow.

Futures are red.
Red = sale
by humbledinvestor
Fri Sep 18, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 6038

Re: Ring for a new girlfriend

I am a fan of these: https://www.tiffany.com/jewelry/bracelets/return-to-tiffany-bead-bracelet-GRP03577/ https://www.tiffany.com/jewelry/bracelets/return-to-tiffany-heart-tag-charm-bracelet-GRP01430/ Agree with everyone here. No ring! These two bracelets are in a very good price range. $175-375. Spe...
by humbledinvestor
Thu Sep 17, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: when you say 'rent forever'
Replies: 28
Views: 4110

Re: when you say 'rent forever'

oldfort wrote: Wed Sep 16, 2020 10:42 am The risk seems minimal with a large, multi-unit apartment building.
Yes, very minimal where I am and they are keeping my rent the same. I am going into year 3 of the same rent this November's lease renewal.
by humbledinvestor
Mon Sep 14, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: Coping with Megacorp rat race
Replies: 168
Views: 16328

Re: Coping with Megacorp rat race

There are always pros and cons to everything including Megacorp vs small companies. I was super tired of the Financial Industry megacorp I worked for. Began adding new tech skills and aimed to work for one of the FAAMNGs. The idea was if I did not get in then at least I would have learned a whole he...
by humbledinvestor
Mon Sep 07, 2020 6:14 pm
Forum: Personal Investments
Topic: Moderna
Replies: 45
Views: 5014

Re: MODERNA

arcticpineapplecorp. wrote: Thu Jul 16, 2020 4:02 pm you've confused this website for Mod Money with Jam Creamer.
Jam Creamer :D :D :D Hilarious!

More and more this site has posts about individual stocks, speculation etc. I fear others won't learn what took me a while to learn from Bogleheads.
by humbledinvestor
Thu Aug 27, 2020 10:00 am
Forum: Personal Investments
Topic: Thank you Bogleheads. I'm learning to keep it simple.
Replies: 5
Views: 858

Re: Thank you Bogleheads. I'm learning to keep it simple.

Congratulations! Very well done. Bogleheads saved me in 2014, putting my head down and investing. Bogleheads helped me stay the course also.
by humbledinvestor
Sun Aug 16, 2020 4:44 pm
Forum: Investing - Theory, News & General
Topic: The 0.5% Rule (SWR) [Safe Withdrawal Rate]
Replies: 419
Views: 24458

Re: The 0.5% Rule (SWR)

I generally have a lot of respect for this FI blogger and his many ratios and tables and guidelines. I’ve been following him for years. This particular post makes me wonder if he’s out of touch or losing it. But I think his core point on interest rates is a sound one directionally. What would it ta...
by humbledinvestor
Sun Aug 16, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: Matcha green tea
Replies: 14
Views: 1203

Re: Matcha green tea

Trader Joe's has their matcha powder as well.
by humbledinvestor
Sun Aug 16, 2020 3:37 pm
Forum: Personal Investments
Topic: Talk me out of Covid 19 timing
Replies: 119
Views: 8149

Re: Talk me out of Covid 19 timing

What's with all of the "talk me out of..." threads lately? OP has been on Bogleheads for five years now, there are many, many, many posts about market timing, a plethora of posts about "doomsday" COVID scenarios and going to all cash, all gold, all bonds, and of course plenty of investing advice in...
by humbledinvestor
Sat Aug 08, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Starting divorce process - how to succeed financially?
Replies: 79
Views: 10367

Re: Starting divorce process - how to succeed financially?

Another idea which I'm sure no one will like...Soon-to-be-ex offered to go 50-50 with me on the purchase of 2 or 3 rental properties, and then we would split net income. We would put them in an LLC with survivorship rights, since he has no children or young relatives and says he won't remarry, and ...
by humbledinvestor
Sat Aug 08, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Starting divorce process - how to succeed financially?
Replies: 79
Views: 10367

Re: Starting divorce process - how to succeed financially?

If your lawyer is good he/she will tell you "no financial entanglements" after divorce. As for real estate seems you have really good experience there, but the Covid-19 situation at least in unknown. More businesses may close, tenants legally being able to suspend paying rent for some time etc. Soun...
by humbledinvestor
Sun Jun 28, 2020 9:15 am
Forum: Personal Investments
Topic: Money I may need 4-5 years from now.
Replies: 18
Views: 1070

Re: Money I may need 4-5 years from now.

Four years from now money needed 4-5 years from now will be needed now. You may not want that money to be in a moderately risky fund then. You probably don't want the money in a moderately risky fund even starting two years from now. In general putting that money in a moderately risky fund may not ...
by humbledinvestor
Sun Jun 28, 2020 8:49 am
Forum: Personal Investments
Topic: Money I may need 4-5 years from now.
Replies: 18
Views: 1070

Re: Money I may need 4-5 years from now.

I wouldn't recommend putting the money in an index fund. I did it as an experiment during the last 8 years. I quickly saved up the money for a future car purchase over 2 years. Then I put it in a 60/40 fund and held it for 6 years. My overall return after taxes was about 3% per year vs about 0.5% p...
by humbledinvestor
Sun Jun 28, 2020 8:48 am
Forum: Personal Investments
Topic: Money I may need 4-5 years from now.
Replies: 18
Views: 1070

Re: Money I may need 4-5 years from now.

Four years from now money needed 4-5 years from now will be needed now. You may not want that money to be in a moderately risky fund then. You probably don't want the money in a moderately risky fund even starting two years from now. In general putting that money in a moderately risky fund may not ...
by humbledinvestor
Sun Jun 28, 2020 8:11 am
Forum: Personal Investments
Topic: Money I may need 4-5 years from now.
Replies: 18
Views: 1070

Re: Money I may need 4-5 years from now.

DarkHelmetII wrote: Sun Jun 28, 2020 8:08 am Permanent portfolio should give you some upside with limited downside
Thanks, this is helpful.
by humbledinvestor
Sun Jun 28, 2020 8:09 am
Forum: Personal Investments
Topic: Money I may need 4-5 years from now.
Replies: 18
Views: 1070

Re: Money I may need 4-5 years from now.

Grt2bOutdoors wrote: Sun Jun 28, 2020 8:05 am What is a D6?
Daughter, 6 years old. Not sure how to refer to kids and their ages, here.
by humbledinvestor
Sun Jun 28, 2020 8:09 am
Forum: Personal Investments
Topic: Money I may need 4-5 years from now.
Replies: 18
Views: 1070

Re: Money I may need 4-5 years from now.

4-5 years is a long time to have money sitting under a mattress. As is always the case, what is the actual likelihood that you will need the money in the next few years? The higher the likelihood, the less I would want to tie it up in the market. If there is a large downturn when you are ready to b...
by humbledinvestor
Sun Jun 28, 2020 7:56 am
Forum: Personal Investments
Topic: Money I may need 4-5 years from now.
Replies: 18
Views: 1070

Money I may need 4-5 years from now.

I know there are many other "what should I do with money I need 4-5 years from now" and I did go through those, but wanted some thoughts opinions on my situation. My divorce is closed to be finalized. The marital home is sold and I have my share of the proceeds. I am renting an apartment I am very h...
by humbledinvestor
Mon Jun 15, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11773

Re: Prenup? What Should It Say?

Please, please, please see an experienced attorney. The MIL's opinion is not relevant here. The prenup can protect your pre-marital assets. Not sure if it can protect your marital assets. So after marriage, if the 1M becomes 5M after 20 years, she is eligible to get anywhere from 50-60% of the diffe...
by humbledinvestor
Mon Jan 20, 2020 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Renting short-term/long-term when you have a child
Replies: 15
Views: 784

Re: Renting short-term/long-term when you have a child

I lived in a large apartment complex until I was 8 when my family bought a house, the biggest reason for moving was to give me a separate bedroom from my sister as we were getting older. I quickly adapted to the new house which had many kids of similar ages on the same street. I would also frequent...
by humbledinvestor
Mon Jan 20, 2020 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Renting short-term/long-term when you have a child
Replies: 15
Views: 784

Re: Renting short-term/long-term when you have a child

DW and I have rented for many years, off and on, when we had children. At several points, this family of 4 in 4-600 sf. apartments. (children and teenagers didn't care). Considerations: 1. Renting is part of life's many transitions. It is neither as good, not as good, or better, than home ownership...
by humbledinvestor
Mon Jan 20, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Renting short-term/long-term when you have a child
Replies: 15
Views: 784

Re: Renting short-term/long-term when you have a child

You can certainly make anywhere home as far as your child is concerned. That being said, I believe that most parents in the U.S. believe at least somewhat that apartment life, which is what most renters rent, isn't ideal for raising kids. I certainly don't, and we've lived in both. Having some gree...
by humbledinvestor
Mon Jan 20, 2020 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Renting short-term/long-term when you have a child
Replies: 15
Views: 784

Re: Renting short-term/long-term when you have a child

You can certainly make anywhere home as far as your child is concerned. That being said, I believe that most parents in the U.S. believe at least somewhat that apartment life, which is what most renters rent, isn't ideal for raising kids. I certainly don't, and we've lived in both. Having some gree...
by humbledinvestor
Mon Jan 20, 2020 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Renting short-term/long-term when you have a child
Replies: 15
Views: 784

Re: Renting short-term/long-term when you have a child

I’m sorry about your divorce. I hope things turn out for you and your child. We’ve lived in the same apartment for over 10 years, and my kids have never known different. All the advantages you listed are real, and free up time to spend more time together. We could buy but it would be more expensive...
by humbledinvestor
Mon Jan 20, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Renting short-term/long-term when you have a child
Replies: 15
Views: 784

Renting short-term/long-term when you have a child

Hi Bogleheads, first of all thank you for the amazing insight on this forum. Following the Boglehead philosophy since 2015 has set me on the right path to investing simply in index funds. Sadly however, I am in a divorce situation (yes I tried like hell to stay married). I can easily refi the marita...
by humbledinvestor
Tue May 29, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

Neighbor in the back, kitty-corner from my house is a complete mystery. In the at least 15 years since she moved in I don't believe I have ever seen her. (Went over to introduce myself when she was moving in. Woman came to door and said her mom was tired and resting.) Our backyards here are quite s...
by humbledinvestor
Tue May 29, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

I had to contact the county about the absentee owners next door (house empty) not mowing their lawn. The county sent a letter telling them they were violating county law. There was no mention of who made the complaint in the letter. Our county will do the mowing and then charge the homeowner, if ne...
by humbledinvestor
Tue May 29, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

I had to contact the county about the absentee owners next door (house empty) not mowing their lawn. The county sent a letter telling them they were violating county law. There was no mention of who made the complaint in the letter. Our county will do the mowing and then charge the homeowner, if ne...
by humbledinvestor
Tue May 29, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

Home ownership, what goes on within the 4 boundaries of the property line is the business of the homeowner, not the neighbor. Unless there is a true violation of town code or an immediate hazard to life and limb, you are going to need to learn to enjoy the view. Removing limbs from his property bec...
by humbledinvestor
Tue May 29, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

He wants to remove his lawn and put in bricks to cover it. The bricks are simply waiting to be installed. You might consider moving to a neighborhood with a good HOA. Sounds like he's settling in and things are going to go from bad to worse. No he is a nice guy. No issues as, I have stated before t...
by humbledinvestor
Tue May 29, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

Oh as luck would have it, the neighbors on the other side are amazing! Young family who have bought their first house (last year) and spend the time taking care of their property despite having two young kids. So I guess it's not that bad :happy
by humbledinvestor
Tue May 29, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

He wants to remove his lawn and put in bricks to cover it. The bricks are simply waiting to be installed. You might consider moving to a neighborhood with a good HOA. Sounds like he's settling in and things are going to go from bad to worse. No he is a nice guy. No issues as, I have stated before t...
by humbledinvestor
Tue May 29, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

He wants to remove his lawn and put in bricks to cover it. The bricks are simply waiting to be installed. You might consider moving to a neighborhood with a good HOA. Sounds like he's settling in and things are going to go from bad to worse. No he is a nice guy. No issues as, I have stated before t...
by humbledinvestor
Tue May 29, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

No intention of conflict. As I said he is a nice guy. A fence is in the plans once I find a decent fence company. No moves planned. This is wise — it would be hard to tell your neighbor that you find his values and decisions as a homeowner embarrassingly bad without generating a conflict or bad blo...
by humbledinvestor
Tue May 29, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

... chopped up the tree and left everything in the yard... ...He has left the dirt that was excavated in the front yard... ...A lot of branches from his cut trees are near my fence. I asked him to clear it as that could attract field mice... Like it or not, these are signs that he might be more int...
by humbledinvestor
Tue May 29, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

OP, I think it would be un-neighborly to start a conflict over this or call in an inspector. This is not your property and, to a large extent, not your business. Creating bad blood with a neighbor could lead to years of misery. If you feel endangered (which doesn’t seem to be the case), I would hav...
by humbledinvestor
Tue May 29, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

Your neighbors do not seem to realize that not maintaining a house will lead to a lower future sales price. We have people like that in our neighborhood. They are probably new home owners, never had a house, need to learn a lot. In one house the black asphalt driveway cracked at the road, so new pe...
by humbledinvestor
Tue May 29, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

Thanks all for the replies. More than anything this helped me vent. Will continue to do what I have done - which is do nothing, focus on our own place, look into a fence in the worst case, look into plant that mask his property.
by humbledinvestor
Tue May 29, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

Home ownership, what goes on within the 4 boundaries of the property line is the business of the homeowner, not the neighbor. Unless there is a true violation of town code or an immediate hazard to life and limb, you are going to need to learn to enjoy the view. Removing limbs from his property bec...
by humbledinvestor
Tue May 29, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

Home ownership, what goes on within the 4 boundaries of the property line is the business of the homeowner, not the neighbor. Unless there is a true violation of town code or an immediate hazard to life and limb, you are going to need to learn to enjoy the view. Removing limbs from his property bec...
by humbledinvestor
Tue May 29, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

Home ownership, what goes on within the 4 boundaries of the property line is the business of the homeowner, not the neighbor. Unless there is a true violation of town code or an immediate hazard to life and limb, you are going to need to learn to enjoy the view. Removing limbs from his property bec...
by humbledinvestor
Tue May 29, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

You can talk to him or talk to the local government for code enforcement or both. Not much else you can do if there is no homeowner's association or similar. Most towns and cities have codes and ordinances posted online and if not, go down to the municipal or county government building and inquire....
by humbledinvestor
Tue May 29, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Re: Advice on neighbor not keeping up his property...

You can talk to him or talk to the local government for code enforcement or both. Not much else you can do if there is no homeowner's association or similar. Most towns and cities have codes and ordinances posted online and if not go down to the municipal or county government building and inquire. ...
by humbledinvestor
Tue May 29, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8726

Advice on neighbor not keeping up his property...

Hi Bogleheads, would love some of your thoughts on an issue. It has no financial impact to us yet (unless we sell the house many years from now) but it does have the "we are embarrassed to have friends over due to neighbors crappy house". Here is the deal. We moved into our house in June 2016 in a n...
by humbledinvestor
Wed Jun 28, 2017 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 12699

Re: Middle age job blues

Hello , Long time watcher but first time posting. I need some guidance from folks who might have found themselves in similar situations at middle age. I work in the IT industry and find myself at a point where the future does not seem very bright. I am 48 and made good money for a number of years b...
by humbledinvestor
Wed Oct 05, 2016 9:50 pm
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 78
Views: 8953

Re: Has anyone been tempted to buy AMZN?

As a sometime buyer/seller on Amazon, it never ceases to astonish me why it is so popular. Probably great marketing and PR, combined with the advantages of a pioneer and the marketing vision of Jeff Bezos. Buyers can usually do better. The company's only real goal is to maximize the power and wealt...