Search found 333 matches

by noco-hawkeye
Tue Oct 16, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 93
Views: 10095

Re: What do you consider 'enough'?

Enough is usually something like 1M more than I have right now, or maybe 50-100% more than I have.... something along those lines. What is enough to me today is not the same thing that I would have said when I was 10-15 years younger. As time moves along and your situation changes, this target conti...
by noco-hawkeye
Fri Oct 12, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship complimentary CFP services
Replies: 13
Views: 1427

Re: Vanguard Flagship complimentary CFP services

I called Vanguard about a routine issue, and then said I had a question I wanted to ask a cfp. I posed it to the agent, and he cheerfully set up an appointment with the cfp for me to ask. He told me the cfp would also invite me to consider the pas service but of course no obligation or hard sell. L...
by noco-hawkeye
Thu Oct 11, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Mold on inspection, need advice
Replies: 30
Views: 2240

Re: Mold on inspection, need advice

Mold is usually the result of either poor engineering, poor craftsmanship, or neglect of maintenance. Walk away, you will save money and get less gray hair. I agree - walk away. Even if you fix this problem - I would always wonder what else is in poor shape and need repair. And every time I found s...
by noco-hawkeye
Sat Sep 29, 2018 7:09 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 123
Views: 14487

Re: Sears, a 125 year old company is now a penny stock.

Watty wrote:
Sat Sep 29, 2018 6:23 am
...

+1

Sears is as much a victim of being a leveraged buyout that gutted the company as changing times.
I agree - but perhaps the hand wringing should have started once the leveraged buyout occurred? :wink: It's both sad and completely inevitable that Sears is currently in the toilet.
by noco-hawkeye
Sun Sep 23, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: I-savings bonds: To do or not to do
Replies: 10
Views: 1563

Re: I-savings bonds: To do or not to do

The vanguard money market is now above 2%, which might deserve some attention for at least part of your emergency savings or more stable money. I don't work with I-Bonds, but have been curious about them. I've just stuck with tax exempt bond funds, which is the closest I think I have to what an I-Bo...
by noco-hawkeye
Sat Sep 22, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Another job interview ‘skip the tie’ question
Replies: 29
Views: 2090

Re: Another job interview ‘skip the tie’ question

I think one of the angles is - What would he feel most comfortable in? If he wore nice jeans, a button down shirt, and sport coat (no tie) - would this be way too informal? I would think something along these lines would be pretty normal for this job. (agree with the others) There are some people th...
by noco-hawkeye
Thu Sep 20, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 7477

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

No way. The most valuable thing you have right now is time. If you decide to save more later on, the math will really not be working in your favor and you will regret it. If you said you already have 80-90% of your retirement / FIRE / 529 / etc savings already in the bank - then it would be more rea...
by noco-hawkeye
Tue Sep 18, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: Spectrum Cable TV Charges
Replies: 19
Views: 1774

Re: Spectrum Cable TV Charges

... I am not happy that Spectrum never advised us that lower rates might be available. Apparently, I have been overpaying for at least the last year. :annoyed This is a key part of the business model. As a shareholder, I want them to make as much money as possible. As a customer, you are on your ow...
by noco-hawkeye
Mon Sep 10, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: paying mortgage
Replies: 12
Views: 1757

Re: paying mortgage

Could you provide more info?

Other debts?
Current emergency fund?
Other savings / investments etc?
by noco-hawkeye
Mon Sep 10, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: 529 and gift tax forms?
Replies: 11
Views: 715

Re: 529 and gift tax forms?

We've watched this limit and have not had to file anything extra, so long as you stick within the combined limit.
by noco-hawkeye
Sat Sep 08, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1742

Re: Buy a house that needs full renovation?

Have you lived in a home during major renovation before? We've done a couple of kitchens, and it can be pretty rough to live through at times. Doing the whole house would be a whole other ball game. I'd agree with the concerns about doing all the work you describe for only 100k. I'd guess 50k for a ...
by noco-hawkeye
Mon Sep 03, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis - Mortgage, Emergency Fund, etc.
Replies: 51
Views: 4363

Re: Analysis Paralysis - Mortgage, Emergency Fund, etc.

The thing I see within this thread is that you really can get a good amount of your 529 taken care of right now, and still have some time in the market to let that money try to keep up with the cost of education. Paying down the mortgage is something I would put less emphasis on. If you can take a c...
by noco-hawkeye
Sun Aug 26, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff?
Replies: 27
Views: 2675

Re: Mortgage Payoff?

I assume most of your savings and investing is to cover retirement concerns and you don't have a pension to cover this. I would look at the rough guess as to what your retirement expenses will be and calculate how many years of expenses your current investment account is at. For example - If you exp...
by noco-hawkeye
Wed Aug 22, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Boglehead Birthday Gift for 50th B Day - Fine Spirits
Replies: 29
Views: 2103

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. Noco, sorry for interrupting, but is Lagavulin 16 that much better than say Laphroaig 10? I'm also a fan of smoke and never tasted the Lagavulin, but my Laphroaig is less than half the price. Is it worth it? I...
by noco-hawkeye
Wed Aug 22, 2018 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Where should I park money I wont need for 3.5 years?
Replies: 11
Views: 1738

Re: Where should I park money I wont need for 3.5 years?

I moved from a CD ladder into the money market. The rates are going up more quickly than trying to time a CD ladder, from what I saw.
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: 29
Views: 2103

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: 1159

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: 4184

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: 1174

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: 9714

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: 4184

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: 3304

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: 15628

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: 2566

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: 12013

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: 1559

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: 1209

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: 4059

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: 3847

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: 4947

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: 3847

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: 1914

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: 2394

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: 2394

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: 73
Views: 6407

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: 2067

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: 4379

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: 2802

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: 2802

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: 1402

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: 5398

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: 5398

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: 250
Views: 32431

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: 250
Views: 32431

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: 7
Views: 835

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: 1488

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: 1506

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: 34798

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: 34798

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: 12508

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 ...