Search found 129 matches

by Boomer01
Thu Sep 27, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3455

Re: Good flip flops

I've always loved Reefs. They have an air bubble in the heal for added comfort and I've never had them rub my feet raw.
by Boomer01
Mon Jul 23, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 8168

Re: Engineers come in.

I'm a Civil Engineer and you MUST put in the work to get the degree. There were many, many sleepless nights just trying to get through a few problems only to wake up early the next day and do it all over again. I was also a homeowner and had a job during college which made it that much harder. There...
by Boomer01
Wed Apr 25, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Kitchen Faucet & Sink recommendations?
Replies: 55
Views: 5893

Re: Kitchen Faucet & Sink recommendations?

We installed a Kraus sink and faucet in our new construction home and are thrilled with them. The plumber was even commenting on the quality of the sinks.
by Boomer01
Thu Apr 19, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: New Home Construction - Financing Options
Replies: 3
Views: 695

Re: New Home Construction - Financing Options

We finished a house late last year and took out a construction loan which paid for the lot and we made weekly payments to the builder to cover the construction costs. There were general condition costs and builder costs which were spread throughout the process since we went with a cost construction ...
by Boomer01
Tue Feb 20, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 21
Views: 2766

Re: Considering move to Tulsa, OK

Tulsa is a wonderful city. We grew up south of OKC and moved there for 3 years out of college. There are many great school districts (Tulsa Union, Jenks, Broken Arrow, Owasso, etc.) and areas to live. We lived in south Tulsa and were in the Union school district. The schools are very impressive and ...
by Boomer01
Tue Jan 09, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?
Replies: 36
Views: 4038

Re: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?

We just built and moved into our "forever home". We are 35 with two small kids. We wanted a house where we knew we'd like to stay for the long haul. The school system and location played a lot into our decision on location. We are on the upper limit of what we can afford from a housing sense, but I ...
by Boomer01
Thu Dec 14, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 12917

Re: How much did you contribute to your 401k in 2017?

$13,200 + $10,800 employee match

34
by Boomer01
Tue Nov 28, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Security Cameras - New home has been pre-wired
Replies: 10
Views: 1339

Re: Security Cameras - New home has been pre-wired

We just moved into a new construction home which was prewired for cameras. The security company installed cameras, DVR, etc. for $1400. It's much higher than the DIY security camera sets you can buy at a big box, but the quality is supposed to be far superior. Who knows though.
by Boomer01
Tue Feb 21, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 2509

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Sonos speakers and components are priced the same online and in stores, so there's not any wiggle room. There are several other brands you can check out including Yamaha MusicCast and Denon Heos. We are building a new home and decided on the Yamaha system because it offers more flexibility since yo...
by Boomer01
Mon Feb 20, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 2509

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Sonos speakers and components are priced the same online and in stores, so there's not any wiggle room. There are several other brands you can check out including Yamaha MusicCast and Denon Heos. We are building a new home and decided on the Yamaha system because it offers more flexibility since you...
by Boomer01
Mon Feb 20, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 9608

Re: 20% bonds: why bother at 48?

I'm only 33 and have held a 80/20 allocation for many years. It all stems from a chart posted on here which showed the higher risk factor and not proportional added gains between a 100% equity portfolio and a 80/20 portfolio.
by Boomer01
Wed Dec 14, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity 3 funds
Replies: 9
Views: 2486

Re: Vanguard or Fidelity 3 funds

Save the money and stick with the Fidelity funds.
by Boomer01
Tue Dec 13, 2016 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Income for mortgage and 401k contribution
Replies: 5
Views: 882

Re: Income for mortgage and 401k contribution

Plus they will use your 401K as an asset.
by Boomer01
Fri Dec 09, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K Funds
Replies: 2
Views: 433

Re: Fidelity 401K Funds

500 Index Fund + Extended Market Index Fund = Total Market Index Fund
by Boomer01
Mon Nov 21, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 8228

Re: When should I upgrade my wireless router?

I had an older router and couldn't understand why my speeds were low. Turns out I was a generation or two behind in terms of speed and connectivity. Similarly, I did not want to rent a router and did a little research and bought a modem/router in one for around $100 and it was a huge improvement.
by Boomer01
Wed Nov 09, 2016 2:39 pm
Forum: Investing - Theory, News & General
Topic: Big Swing in Dow Futures
Replies: 10
Views: 2687

Re: Big Swing in Dow Futures

It's sad how uncertainty can greatly swing the market. Wall Street panics when the news emerges that Trump has a chance, continues to decline when he nears the nomination and then, miraculously, completely rebounds plus some when the markets open. :annoyed
by Boomer01
Thu Oct 27, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track? 75K Investment Portfolio
Replies: 7
Views: 1009

Re: Am I on the right track? 75K Investment Portfolio

You are doing fantastic for someone your age and the majority of people aren't able to save $500/month so keep it up.
by Boomer01
Wed Oct 12, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Experience with new homebuilders
Replies: 12
Views: 1578

Re: Experience with new homebuilders

I would begin searching GardenWeb/Houzz under the Building a Home forum. There is a treasure trove of knowledge there.
by Boomer01
Wed Aug 31, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: Las Vegas with kid, any suggestions?
Replies: 19
Views: 2596

Re: Las Vegas with kid, any suggestions?

Excalibur has a lot to do for kids.

There is the new High Roller ferris wheel which is the largest in the world.

Also, many hotel attractions like the Bellagio fountains, MGM lions, etc.
by Boomer01
Fri Aug 26, 2016 9:01 am
Forum: Investing - Help with Personal Investments
Topic: My 3 fund plan 5 years later
Replies: 8
Views: 1754

Re: My 3 fund plan 5 years later

Like you, I've been in a 3 fund portfolio for years. The US Stocks have done great, while international and bonds have lagged, but that won't always be the case. Since you have not been reallocating, you have not been taking advantage of buying the international fund at a low and when it rebounds, a...
by Boomer01
Thu Aug 25, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: has any business owners set up 401k at fidelity? min for employees
Replies: 5
Views: 673

Re: has any business owners set up 401k at fidelity? min for employees

Our small company uses a third party to buy funds through Fidelity. We do not have minimums to buy into funds.
by Boomer01
Thu Aug 25, 2016 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Help us set our max home shopping budget....
Replies: 30
Views: 2973

Re: Help us set our max home shopping budget....

I would opt for the nicer neighborhood with better school district. You can take advantage of the walkability and close proximity to things now and the better school districts down the road. You can easily afford the higher house and it should be better in the long term when you sale.
by Boomer01
Wed Aug 24, 2016 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Wait to Buy House?
Replies: 17
Views: 2353

Re: Wait to Buy House?

You have to weigh the options of being financially sound verses growing as an adult. It already sounds like you have a large sum of money in savings, but living at home with your parents limits how much you can mature. IMO, at 30 years old it's time to fly the coop.
by Boomer01
Wed Aug 03, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: daves ramsey new ELPs [Endorsed Local Providers]
Replies: 37
Views: 4385

Re: daves ramsey new ELPs

He calls the new program SMARTVESTOR PRO. Because, by using his service, YOU are a SMART inVESTOR! Just out of curiosity I looked to see what the ELP I mean Smartvestor looked like in my city. Two were Northwestern Mutual reps (Bogleheads start breaking out in a cold sweat). The other works with Pr...
by Boomer01
Tue Jul 26, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: HELP - After Market Rims?
Replies: 14
Views: 1371

Re: HELP - After Market Rims?

Like said above, it's all about the overall diameter of the tire. You can have a 22" rim that has the same diameter as a stock 18" rim. The tire will have much less sidewall though. When you get into larger wheels the width usually increases also. Use a site like this to compare two different tires ...
by Boomer01
Tue Jul 26, 2016 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Online Banks okay ?
Replies: 18
Views: 2195

Re: Online Banks okay ?

Capital One 360 also has a 1% APY money market account with balances over 10K.

I've been with them (formally ING Direct) for 10 years now and never had a problem.
by Boomer01
Mon Jul 11, 2016 1:33 pm
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 7355

Re: Fidelity customers: Have you experienced pressure to buy active funds?

Same as most. I have multiple Fidelity accounts and have never been contacted or pressured to switch funds.
by Boomer01
Thu Jul 07, 2016 1:44 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 237
Views: 23905

Re: What is your overall portfolio weighted expense ratio

3 fund portfolio through Fidelity - 0.064%
by Boomer01
Wed Jul 06, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: Tag Heuer wrist watch
Replies: 24
Views: 3282

Re: Tag Heuer wrist watch

I got a nice Seiko watch when I graduated college and I told myself that I'd get another nicer watch when I became a partner at my firm. That just happened a few months back and if I get another watch it'll be a Tag, but I can't decide if I want to buy another watch. I wear my current one daily, but...
by Boomer01
Tue Jul 05, 2016 2:55 pm
Forum: Investing - Theory, News & General
Topic: Actively Managed Small-Cap International Funds Beating the Indexes
Replies: 12
Views: 2019

Re: Actively Managed Small-Cap International Funds Beating the Indexes

I approached our 401K advisor about switching my international index fund (FSGDX - Fidelity Global Ex US) to the new FTIPX (Fidelity Total International) which includes small caps and better mimics the total market. Not surprising, he advised that if I wanted exposure in small cap international I w...
by Boomer01
Tue Jul 05, 2016 2:30 pm
Forum: Investing - Theory, News & General
Topic: Actively Managed Small-Cap International Funds Beating the Indexes
Replies: 12
Views: 2019

Re: Actively Managed Small-Cap International Funds Beating the Indexes

I approached our 401K advisor about switching my international index fund (FSGDX - Fidelity Global Ex US) to the new FTIPX (Fidelity Total International) which includes small caps and better mimics the total market. Not surprising, he advised that if I wanted exposure in small cap international I wo...
by Boomer01
Fri Jun 17, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 56959

Re: Flaunt Your High-Mileage Car

2001 Lexus LS430 - 218K miles
by Boomer01
Fri Jun 10, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Intl. Portion of Three-fund Portfolio using FIDO funds
Replies: 9
Views: 1223

Re: Intl. Portion of Three-fund Portfolio using FIDO funds

Most people lean towards FSGDX since it includes emerging markets. On the other hand, you could similarly do FSIVX + FPMAX (emerging market index fund).
by Boomer01
Wed Jun 01, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 101670

Re: High Earners - What's Your Profession?

Civil Engineer in Oklahoma. I started out at $42K and 10 years later I have crossed the $100K mark.
by Boomer01
Tue May 24, 2016 1:38 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 8048

Re: What was your first investment?

When I was in high school I set up an account with Janus and began contributing $100/month into the Growth and Income Fund.
by Boomer01
Tue May 24, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Listening to tunes while exercising
Replies: 29
Views: 3362

Re: Listening to tunes while exercising

Just load your phone with music and use it with some bluetooth headphones.
by Boomer01
Fri Mar 25, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Selling current home and saving to buy a larger home
Replies: 8
Views: 1163

Re: Selling current home and saving to buy a larger home

I would just aim for the 20% down and keep the remainder in cash. You could always apply it to principal down the road.
by Boomer01
Wed Feb 17, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for 100 jobs, no callbacks. What's up?
Replies: 103
Views: 12275

Re: Applied for 100 jobs, no callbacks. What's up?

mac808 wrote:From what I've seen, hiring has frozen up significantly since shortly after New Years. I think companies are waiting to see which way the economy turns.
I would suspect this. With the downturn in the economy and oil, businesses might be leery to hire on more staff until things become less volatile.
by Boomer01
Wed Feb 03, 2016 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: I'm not sure if a new credit card will hurt or help me?
Replies: 18
Views: 1220

Re: I'm not sure if a new credit card will hurt or help me?

It would temporarily hurt your credit due to the credit check, but would ultimately help since you would have a larger available credit amount (assuming you don't rack up more debt).
by Boomer01
Thu Jan 28, 2016 10:10 am
Forum: Investing - Theory, News & General
Topic: Entire Portfolio Expense Ratio
Replies: 41
Views: 3591

Re: Entire Portfolio Expense Ratio

I have a 3 fund portfolio with Fidelity Spartan funds and am averaging 0.09%.
by Boomer01
Tue Jan 26, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 20437

Re: Do you pay for exercise?

I don't understand the PF business model. How are they able to undercut their competitors by 75-80%? They still have the same overhead, and as you say it's not like their places are dumpy. They're pretty nice. I realize all gyms rely on members who don't use the facilities, but what allows PF to do...
by Boomer01
Tue Jan 26, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 64
Views: 7128

Re: Cutting Cable Cord Only to Strengthen Internet Cord

We dropped our cable and upped our internet one level to 50Mbps which is $55/month under contract or $70/month without. We stream most of our shows and movies and have never had an issue with the cable company limiting our usage despite a cap that they claim to have.
by Boomer01
Mon Jan 25, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 20437

Re: Do you pay for exercise?

I have done both. I've been a member of a gym for many years and went consistently. I began collecting benches, weights, dumbbells and made the switch to a home gym in my garage. I used it 3/4 days a week, but the summers and winters made it brutal. Then we had a kid and between getting to work earl...
by Boomer01
Wed Dec 16, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 14429

Re: I would like to play the Boglehead car game too

Since you love the Toyota, look into a certified pre-owned Lexus. They are very reliable and do not have the maintenance issues of other luxury cars.
by Boomer01
Mon Dec 14, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Need help on chooseing funds - John Hancock
Replies: 13
Views: 1955

Re: Need help on chooseing funds - John Hancock

My wife has a John Hancock 401K at work with much higher expense ratios (all >1.4).

I would recommend the Total Stock Market Index fund rather than the 500 Index since it would contain small and mid cap funds. Use the Intl Equity Index fund and then pick one of the two bond funds.
by Boomer01
Thu Dec 10, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 350K home in Florida?
Replies: 33
Views: 3895

Re: Can we afford a 350K home in Florida?

You can easily afford a 350K home.