Search found 318 matches

by noco-hawkeye
Fri Aug 17, 2018 5:16 am
Forum: Personal Consumer Issues
Topic: Boglehead Birthday Gift for 50th B Day - Fine Spirits
Replies: 24
Views: 1417

Re: Boglehead Birthday Gift for 50th B Day - Fine Spirits

For a scotch drinker, I like Lagavulin 16. I think this would be around your price point.
by noco-hawkeye
Fri Aug 10, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage....risk?
Replies: 14
Views: 1082

Re: Paying off mortgage....risk?

Some of these replies are great. I would add that paying off a mortgage should be considered when it does not represent the majority of your assets. This is my opinion of course, but I think many in the paid off camp are somewhere along this line of thinking. So if something strange happens to your ...
by noco-hawkeye
Wed Aug 08, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage instead of contributing to 401k?
Replies: 61
Views: 3932

Re: Pay off mortgage instead of contributing to 401k?

... Robert Shiller at Yale is probably the foremost academic expert on the US housing market. He has found (and you can Google it) that in most markets home prices have risen, on average, a few percent per year for the past 90 or so years. Contrast that with the overall stock market, which has rise...
by noco-hawkeye
Tue Aug 07, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: 401k administrative fees
Replies: 19
Views: 1114

Re: 401k administrative fees

I'm at somewhere around 0.2, as some of the others have reported, also. This number seems a bit high, and I feel a bit better about my fees now.
by noco-hawkeye
Mon Aug 06, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 137
Views: 9295

Re: Do We need health insurance??

I am very interested in an answer to OP’s question about the availability of very, very high deductible healthcare insurance, as well. Like in the range of $50K to $100K deductible. I view it more as wealth insurance than health insurance. While I don’t have the OPs level of wealth, I would conside...
by noco-hawkeye
Mon Aug 06, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage instead of contributing to 401k?
Replies: 61
Views: 3932

Re: Pay off mortgage instead of contributing to 401k?

OP, What is your annual expense? KlangFool We don't really have a budget per se, but I would estimate between housing costs, groceries and utilities, as well as what we help the kids with, and discretionary spending, I'm looking at around $50,000 a year. Add another $10,000 for travel every year to...
by noco-hawkeye
Sun Aug 05, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3089

Re: Best MacBook Value

We've had good luck with a unit from Apple's refurb site.

I've used a direct cable transfer (it was lightening at the time) to transfer info from one mac to another. It worked great, but I'm not sure about macs that are almost 10 years apart - how well that might work or if that might have issues.
by noco-hawkeye
Sun Aug 05, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14389

Re: Will you pay for your kids' college/graduate education?

We have about 75% of the cost of a public university saved up for 2 kids. College is approaching fast, and hopefully we make it to 100% for a state school by the time the first kid leaves the nest. Having just gone on a recent college tour, it became very obvious to me some big drivers in college co...
by noco-hawkeye
Sun Aug 05, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: How do you think about your mortgage in relation to your stock/bond portfolio?
Replies: 32
Views: 2453

Re: How do you think about your mortgage in relation to your stock/bond portfolio?

AFAIC, you have to live somewhere and everywhere costs. It could be rent, it could be a mortgage ... but it has a monthly cost that has to fit in the budget. I do not entangle line items in a budget with a portfolio. Agree with this. If you are going to count your mortgage as some form of bond, I d...
by noco-hawkeye
Fri Aug 03, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11482

Re: 3 Levels of Wealth

Cycle wrote:
Fri Aug 03, 2018 2:00 pm
Easy to drop 20k on a sushi meal for the family. I once spent 15k on dinner for family and friends. If you're not ok spending that amount every day, you're at #1.
well that's like your opinion man
The Dude
by noco-hawkeye
Wed Jul 18, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Making an offer on a 'new' home from builder
Replies: 10
Views: 1465

Re: Making an offer on a 'new' home from builder

... Since I am handy and can DIY, I "upgraded" all floors in the house myself, installed sink and cabinets in laundry room etc etc. Not only did I save a lot of money, but the advantage of this method is that I could bring in the samples from stores (like HW, tiles etc.) and see how they fit. You c...
by noco-hawkeye
Sat Jul 14, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pay to be in school district or move?
Replies: 20
Views: 1141

Re: Pay to be in school district or move?

We moved to a slightly better school district (which was not the main reason of the move originally). In hindsight - I'd move for the schools alone and do not regret it.
by noco-hawkeye
Wed Jul 11, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score after becoming debt free?
Replies: 48
Views: 3816

Re: Credit score after becoming debt free?

First of all - congrats! Feels great, and month after month it's a bit liberating to have one less thing hanging over you. :sharebeer My score maybe took a small ding or 10-20 points, but I've kept it north of 800. Our heloc is also still open (but not used). If you are still making regular payments...
by noco-hawkeye
Sat Jul 07, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3693

Re: Anyone Tried Costco Travel Packages?

Thank you for all this feedback - there is nothing negative here, and I am reassured :happy One question: I would not hesitate to use them again, especially if you are executive member with the credit card. I'm not very "Costco-aware", but I'm pretty sure I am an "executive member" (paid a higher p...
by noco-hawkeye
Sat Jul 07, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 46
Views: 4760

Re: garden hose

Heavy duty sears craftsman rubber hose. They are fantastic and last forever. The only gripe is that they can kind of make your hands a bit black handling them. Look on their website for the hoses with a ton of positive reviews to find the right one.
by noco-hawkeye
Fri Jul 06, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3693

Re: Anyone Tried Costco Travel Packages?

We've used them a few times and been very happy with them. The customer service is very good if you have extra questions / requests as well. We find the prices are similar to other travel sites, maybe a bit more than ala carte. I would not hesitate to use them again, especially if you are executive ...
by noco-hawkeye
Wed Jul 04, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Question about Cutting Cable
Replies: 18
Views: 1864

Re: Question about Cutting Cable

In a metro area like SF, an inexpensive antenna will probably help a good deal. You'll get local sports, the major networks (incl local news), and some PBS type channels. Combined with Netflix + Prime, you have got a lot of TV for not very much money. You could add something like YouTube TV, but we ...
by noco-hawkeye
Tue Jul 03, 2018 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Do we start the house buying process?
Replies: 25
Views: 2281

Re: Do we start the house buying process?

I think you will find saving as much as possible right now and looking at a house later on (from a position of financial strength) will be a move that will serve you very well. It's hard to have restraint for big purchases that look like a very limited time deal, but it sounds (to me) like you are o...
by noco-hawkeye
Sun Jul 01, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do we start the house buying process?
Replies: 25
Views: 2281

Re: Do we start the house buying process?

... Our current budget will allow us to be debt free in 11-12 months. We live in housing provided by my husband's employer and we pay only $100 in rent and utilities. ... That's all I needed to know. :D You will never find a better setup than 100$ / month IMO. Is there something exceptionally wrong...
by noco-hawkeye
Sun Jul 01, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5743

Re: Do Advisers Add $$$ Value?

I think in most cases a good adviser's biggest value is avoiding mistakes. This would include: Picking the right product for the right situation. To be more clear, maybe the advisor says "You can get the vanguard ETF for slightly lower fees", or maybe they help get a lower fee 529 picked, or help wa...
by noco-hawkeye
Sun Jul 01, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 19
Views: 1926

Re: Should I cancel my Colorado trip due to wildfires??

In the years I've lived in Colorado, I cannot remember a single summer where there are no wildfires. It's a natural thing that happens, and I would not let it get in your way. It might slightly alter one path or another, but I would not be terribly concerned.
by noco-hawkeye
Sat Jun 30, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4002

Re: hybrid or plug-in electric car

Will the battery last? A few years ago I thought the battery life was +/- 5 years and represented a significant replacement cost. Has this changed? Not accurate :thumbsdown Note the 2017 reference below my sentence that you quote. Looks like it's now 8 years or so? Surely doesn't look like the 20 y...
by noco-hawkeye
Sun Jun 24, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: FIRE thought experiment
Replies: 24
Views: 2679

Re: FIRE thought experiment

I missed mentioning health insurance - thanks for bringing it up. But Is there anything such as a low paying job which provides health insurance anymore ? Starbucks . I actually meant in the IT field. If I go from a high paying to a low paying job, it should also be lower stress. Not sure if there ...
by noco-hawkeye
Sun Jun 24, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: FIRE thought experiment
Replies: 24
Views: 2679

Re: FIRE thought experiment

I think you are viewing it as a binary switch between working 100% and retirement 100%. I am not looking at it this way. I think you get the point where you don't really need that next job promotion, and you start looking for things you enjoy at work vs things that advance your career (some people m...
by noco-hawkeye
Sun Jun 03, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: For those who worked in tech and then changed industries, where did you go?
Replies: 14
Views: 1325

Re: For those who worked in tech and then changed industries, where did you go?

You would be in your mid 50's then so retiring would be an option to consider. I was about that age when I got my house paid off and my kid finished college and got out on his own. At that point your income needs really change so retiring may be a lot more possible. I think this is a key point. Hop...
by noco-hawkeye
Sun Jun 03, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 5028

Re: 6 hour layover on Heathrow

The lounge idea is a really good one. Larger international airports often have the nicest lounges, and you can pickup passes on ebay or from credit card offers. If you have never used one of these airport lounges before, this would be a great time to try one. Tried it once with the family last year ...
by noco-hawkeye
Sat Jun 02, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 5028

Re: 6 hour layover on Heathrow

stlutz wrote:
Sat Jun 02, 2018 3:54 pm
My experience has been that it takes 3 hours to change planes in Heathrow. As far as European airports go, Munich sits on one extreme in terms of efficiency; Heathrow is on the other.
Agree 100%.
by noco-hawkeye
Mon May 28, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30765

Re: Why pay cash for a car?

I'm someone who avoids the loans by in large, but might take one out in limited situations. I don't like the loan on a quickly depreciating asset, and don't see it in the same light as a house. Cars are an expense, kind of like clothes etc (in my mind). [ quote fixed by admin LadyGeek] Why is payin...
by noco-hawkeye
Mon May 28, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30765

Re: Why pay cash for a car?

Better to get a low interest loan than go cash. It's a time value of money issue. For example, my last car purchase was financed for 6 years at 0% interest. In addition to obtaining a good out the door price on the car (that's another subject) I got to pay the money back in lower value dollars than...
by noco-hawkeye
Tue May 15, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Killing mold and mildew outdoors
Replies: 8
Views: 800

Re: Killing mold and mildew outdoors

Since you seem to be adverse to typical treatments, are sunlight and lack of new moisture able to do anything?
by noco-hawkeye
Fri May 11, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: New Job - Use High Fee 401k With Match or Other?
Replies: 31
Views: 1449

Re: New Job - Use High Fee 401k With Match or Other?

I'd go for the match with the other 401k, then do a backdoor roth with whatever you have left over.

Also, if you are at 200k in income, using a traditional 401k (instead of roth) could reduce your income to maybe make the backdoor thing a non issue. (As I understand how it works)
by noco-hawkeye
Wed May 02, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Help me choose a second computer monitor
Replies: 18
Views: 1434

Re: Help me choose a second computer monitor

I have a dell P2715Q http://www.dell.com/en-us/work/shop/dell-27-ultra-hd-4k-monitor-p2715q/apd/210-adof/monitors-monitor-accessories at both home and work. It's a nice monitor. I agree with the others that are pushing back on your resolution. If you start going past a 24 inch display, really 1080 r...
by noco-hawkeye
Mon Apr 30, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 33326

Re: Those with high savings rate: why?

Maybe the question should be - those with a high SPENDING rate: why? I agree with this. Our society never thinks to ask this question, it's almost considered rude to ask why some people spend nearly every dollar they earn. It's up to each one of us to find whats important to us, and focus on those ...
by noco-hawkeye
Mon Apr 30, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 33326

Re: Those with high savings rate: why?

Why save so much? This is why - http://www.collaborativefund.com/blog/let-me-convince-you-to-save-money/ But the best reason to save is to gain control over your time. Everyone knows the tangible stuff money buys. The intangible stuff is harder to wrap your head around, but can be far more valuable ...
by noco-hawkeye
Sat Apr 21, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 12162

Re: Quitting job - what to do if getting walked to the door

I was walked out the door within an hour of giving 2 weeks notice of going to a competitor. They paid for me to stay away from the office for those 2 weeks, then another 2 weeks of unused vacation. I don't think this is common, but it is possible. I think a lot of mega-corps that would walk someone ...
by noco-hawkeye
Tue Apr 10, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40285

Re: Name something you bought that wasn't cheap and glad you did

Bose QC35

I use them at work, really helps me stay focused / isolates noise. Also helpful in air travel. Usually I'd think 30$ on headphones are about as much as I want to spend, but these headphones are totally worth it.
by noco-hawkeye
Fri Apr 06, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16674

Re: Who uses the 3 fund portfolio ?

I use either the 3 fund portfolio or target date funds, depending upon which account. I don’t consider myself a beginner, maybe somewhere in the middle.
by noco-hawkeye
Sat Mar 31, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: These 3 Admiral Shares Funds?
Replies: 11
Views: 1651

Re: These 3 Admiral Shares Funds?

michaelc wrote:
Sat Mar 31, 2018 8:03 am
If I go with VTSAX, VTIAX and VBTLX as my 3 fund portfolio in a ROTH, the 3 ER's total .20% ER, while the LifeStrategy Moderate Growth is .13 ER%.
So wouldn't the LifeStrategy be a bit cheaper?
Don't total them - average would be more appropriate.
by noco-hawkeye
Thu Mar 29, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 19
Views: 3927

Re: What is a lemon? 2018 Outback Infotainment issues

You could just replace the head unit with an aftermarket one, yes? I know thats not ideal, but you can get Android Auto / Car Play for maybe 500$?
by noco-hawkeye
Sun Mar 18, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4477

Re: Does credit score matter if you never plan to borrow money again?

It is not going to be a "small" ding. For comparison, I had a 30-day late on a credit card bill in 2012, my credit score tanked from 820+ to 740+, a steep 80 point drop. A collection account placed on a pristine credit history, I'd guess, will cause much more damage. I did have a fairly thick credi...
by noco-hawkeye
Sun Mar 18, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4477

Re: Does credit score matter if you never plan to borrow money again?

Here is another example of credit score usage - I recently bought a used car with cash (wrote a check). While accepting the check, the car dealership pulled my credit score to see that my check was likely to not bounce. I think credit scores are being used more and more for things that they aren't a...
by noco-hawkeye
Sun Mar 18, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Purchasing 1st Car under 3K
Replies: 33
Views: 2552

Re: Advice on Purchasing 1st Car under 3K

I think there is a group of us in this thread that are suspicious that a $3k is going to be more work / money than its worth and nearly impossible to find. Especially if you want something that provides reliable transportation with little extra effort. If you do pull this off, I'd be curious if you ...
by noco-hawkeye
Fri Mar 16, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: If you were to fully fund 2 Roths 22k tommorow.
Replies: 20
Views: 1586

Re: If you were to fully fund 2 Roths 22k tommorow.

Iorek wrote:
Thu Mar 15, 2018 6:34 pm
Personally I would put it in a target retirement fund but others will chime in to say you should indicate what the rest of your savings are, where they are invested, and what your preferred asset allocation is.
Me too - target date is fine for most everyone.
by noco-hawkeye
Mon Mar 12, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Small windfall, would like some advice
Replies: 30
Views: 2976

Re: Small windfall, would like some advice

My order would be: 1. I'd max out tax deferred space (401k + Roth), at least for this year (if not multiple years). 2. I think maybe another 5-15k or so in emergency savings would be good (if not more). 3. Get rid of car payments. 4. Your fun money at 10k seems a bit high, looking at your total pict...
by noco-hawkeye
Sat Mar 10, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Protecting large assets from lawsuit
Replies: 30
Views: 3096

Re: Protecting large assets from lawsuit

I think usually you want to start with the insurance carrier for your home and auto policies. It is my understanding that they want to cover all of these things together, and the umbrella then adds more coverage and since they are all under one provider - there are no gaps in coverage. (or something...
by noco-hawkeye
Fri Mar 09, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Split between several target date funds?
Replies: 19
Views: 1827

Re: Split between several target date funds?

Why do 3 target date funds?

I could see splitting the difference between 2025 and 2035 and holding a bit of both to "tilt" it one way or another, but 3 does not make sense to me. Or just find one, and add a bit of either total stock or total bond to tilt it.
by noco-hawkeye
Mon Feb 26, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: After Tax Savings Rate
Replies: 48
Views: 5323

Re: After Tax Savings Rate

I thought a good rule of thumb was starting around a savings rate of 15-20% of your income. If you started when you hit the workforce (say 22 years old), worked until you were 60, and wanted to retire with 75-80% of your pre-retirement income. My numbers might be off above, but I think a very genera...
by noco-hawkeye
Tue Feb 20, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 57
Views: 5335

Re: Safe to file taxes now?

They usually send out the corrected forms a day or two after I file. I'd wait. :oops:
by noco-hawkeye
Mon Feb 19, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2956

Re: Is window replacement this expensive?

We've used Andersen renewal windows, and thought they were nice. I don't recall them being quite the price you are quoting, but they were not cheap. We've also have a new patio door which is milgard. At our old house, we also tried weather shield for a kitchen window. I would consider milgard and an...