Search found 71 matches

by LittleGreenSoldiers
Sun Jan 20, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to reduce base expenses
Replies: 9
Views: 1242

Re: Trying to reduce base expenses

You are on wooded acreage. Augment heat in the winter with wood in the most efficient way possible. Maybe insulate the house better. Helps in Winter and Summer. Electric stove or propane? Consider a larger propane tank if you can. Purchase propane in the summer months when it is typically cheaper. T...
by LittleGreenSoldiers
Thu Jan 17, 2019 8:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads united front on donations in name of John C Bogle?
Replies: 1
Views: 361

Bogleheads united front on donations in name of John C Bogle?

Is it possible for the BH community to make a joint contribution to one of Jack's preferred charities? Maybe the John C. Bogle Center for Financial Literacy? If we can't setup a means to collect from the community maybe we can ALL agree to comment on any individual donations in a way to be recognize...
by LittleGreenSoldiers
Tue Jan 15, 2019 12:48 am
Forum: Personal Consumer Issues
Topic: Bogleheads-type forum for Genealogy Research?
Replies: 11
Views: 920

Re: Bogleheads-type forum for Genealogy Research?

Ancestry.com = Worlds largest volunteer DNA database.
Facebook.com = Worlds largest facial recognition platform.

Choose wisely. Your mileage may vary.
by LittleGreenSoldiers
Sun Jan 13, 2019 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Real estate as part of overall investment plan
Replies: 37
Views: 2613

Re: Real estate as part of overall investment plan

my personal take. Best quote I ever heard in real estate. "You don't make money selling house. You make money buying houses." We have 2 rentals. Low, loan to value on first with very favorable mortgage and paid cash for second. They are decent diversification component to our portfolio. We've had th...
by LittleGreenSoldiers
Sun Jan 13, 2019 12:39 am
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 59
Views: 4435

Re: MMORPG games

MMO? I had to look it up. Massive Multiplayer Online game. Does day trading online count?
Not me. Just asking.
by LittleGreenSoldiers
Tue Jan 08, 2019 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Move 401K to new employer or keep at old?
Replies: 16
Views: 1046

Re: Move 401K to new employer or keep at old?

I too moved to an employer with a Fidelity 401(k) recently. How can you tell if a Fidelity 401(k) has support for mega backdoor Roth with automated in-plan Roth conversions? Is there someplace online to verify? Or is calling in the only way to find out? You can tell whether your plan supports non-R...
by LittleGreenSoldiers
Tue Jan 08, 2019 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Move 401K to new employer or keep at old?
Replies: 16
Views: 1046

Re: Move 401K to new employer or keep at old?

Consolidate to your new one, IMO. Note that Fidelity's offering the Vanguard trusts at slightly lower expense ratios than Vanguard themselves are (somehow). That is, if I'm reading the Vanguard one correctly -- the formatting in your post is a little hard to understand. Incidentally, your new 401(k...
by LittleGreenSoldiers
Mon Jan 07, 2019 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Elders....A young buck needs your help!
Replies: 15
Views: 1240

Re: Elders....A young buck needs your help!

-WE can buy homes that range from $30,000-$75,000 that generate around $1500 a month in rent (college town) I'd snatch up a few of those rentals now. Wow! Use the additional cash flow to accelerate savings and assist with annual expenses. Then maximize tax advantaged retirement savings through empl...
by LittleGreenSoldiers
Sun Dec 30, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: Questions for the BH “All Stars”
Replies: 23
Views: 2105

Re: Questions for the BH “All Stars”

Icecakes wrote:
Sun Dec 30, 2018 3:41 pm

1) how much time in hours do you think someone would need to spend to educate themselves to be able to independently invest for themselves?
As long as it takes for them to realize they don't need to pay for an advisor. Which isn't very long after finding this forum.
by LittleGreenSoldiers
Sun Dec 30, 2018 10:50 pm
Forum: Forum Issues and Administration
Topic: Site Upgrade Plans
Replies: 14
Views: 1327

Re: Site Upgrade Plans

Completing the picture, here's where our server(s) live: Welcome home, Bogleheads.org. | Financial Page (February 14, 2017) 8-) Yes, but how/where can we make a 'pledge' to show our support for the forum? Hosted server costs alone must run at minimum between $900-$4,000 per year. Right here. https:...
by LittleGreenSoldiers
Sun Dec 30, 2018 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating savings rate
Replies: 50
Views: 2832

Re: Calculating savings rate

When I say savings, I would include: - amounts going into 401ks - amounts going into individual Roth IRAS - amounts going into taxable savings accounts - net increase in other liquid savings, such as bank accounts. - equity paid off from mortgage payment (some may debate this one) What about employ...
by LittleGreenSoldiers
Sun Dec 30, 2018 10:37 pm
Forum: Forum Issues and Administration
Topic: Site Upgrade Plans
Replies: 14
Views: 1327

Re: Site Upgrade Plans

LadyGeek wrote:
Sun Dec 30, 2018 9:59 pm
Completing the picture, here's where our server(s) live: Welcome home, Bogleheads.org. | Financial Page (February 14, 2017) 8-)
Yes, but how/where can we make a 'pledge' to show our support for the forum?

Hosted server costs alone must run at minimum between $900-$4,000 per year.
by LittleGreenSoldiers
Sun Dec 30, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much term life insurance to buy?
Replies: 32
Views: 2435

Re: How much term life insurance to buy?

OP, at your age, term insurance is not too expensive. Since you have ample income, you may find that the cost of 5M is inconsequential to you. IMO, it is better to have too much than not enough. Find out what the premiums would be for 3M, 4M, and 5M and then decide how much you want to spend. Depen...
by LittleGreenSoldiers
Sun Dec 30, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating savings rate
Replies: 50
Views: 2832

Re: Calculating savings rate

When I say savings, I would include: - amounts going into 401ks - amounts going into individual Roth IRAS - amounts going into taxable savings accounts - net increase in other liquid savings, such as bank accounts. - equity paid off from mortgage payment (some may debate this one) What about employ...
by LittleGreenSoldiers
Sun Dec 30, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Too Heavy in Real Estate?
Replies: 12
Views: 978

Re: Too Heavy in Real Estate?

I view real estate as part of my AA and consider rent a taxable dividend. As a whole I'd say you are heavy in real estate but you are continuing to add to your taxable after maxing out 403b and 457b. Something to consider. If you have kids going off to college in the next few years now would be a go...
by LittleGreenSoldiers
Sun Dec 30, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Am I retirement ready?
Replies: 51
Views: 4892

Re: Am I retirement ready?

I'm flying out on Wed too. Not as close to FIRE as you are but do agonize over time away from home every week. I could consider less pay in an equally challenging role to be home every week. If you do decide to stay in your current position. Don't let the C-level lifestyle become a way of life and a...
by LittleGreenSoldiers
Sat Dec 22, 2018 9:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present To You
Replies: 108
Views: 11202

Re: My Christmas Present To You

Taylor.
Please extend the warmest holiday wishes from your extended BH family to the Steveler family.

Merry Christmas.
by LittleGreenSoldiers
Thu Dec 20, 2018 1:01 am
Forum: Investing - Theory, News & General
Topic: In 2000, did the dot-com burst first or the stock market crashed first?
Replies: 3
Views: 564

Re: In 2000, did the dot-com burst first or the stock market crashed first?

I'd never claim to be an historian. As a techie that was all in before, during and after I would say it was the tech boom of the 90's that lead the rally and the burst. These were some crazy times and the explosion of the internet being adopted by the masses world wide. Look up "Sarbanes-Oxley" if n...
by LittleGreenSoldiers
Thu Dec 20, 2018 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 182
Views: 17077

Re: Mr. Money Mustache, SWR, and equity allocation

My suggestions are to actually calculate how much you need until you pass, have no debt, look for other sources of income, invest conservatively, and have some margin of safety. Then enjoy retirement which is what many retirees will tell you. In fact, many say they should have done it earlier. I'd ...
by LittleGreenSoldiers
Mon Dec 17, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]
Replies: 58
Views: 7373

Re: Impressive film in theater Dec 17 and 27 only

Thank you for posting. I wish I had seen this post last night.
We just purchased tickets for the Dec 27 showing in our area.
by LittleGreenSoldiers
Wed Nov 07, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 1795

Re: Updating Microsoft Word

Microsoft subscription to Office 365 is reasonable but a recurring annual cost.
I am a Mac user as well for work but run LibreOffice on home Linux desktop for free.
You could give the Mac version a try and see if your older file formats are supported.
by LittleGreenSoldiers
Sun Oct 07, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting to pay off mortgage and next move.
Replies: 5
Views: 555

Re: Tax loss harvesting to pay off mortgage and next move.

My carry loss is not in VTIAX or VTSAX that I hold in my taxable account.
The loss is from a learning experience in a single stock about 15 years ago.
by LittleGreenSoldiers
Thu Oct 04, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting to pay off mortgage and next move.
Replies: 5
Views: 555

Tax loss harvesting to pay off mortgage and next move.

I have a sizable capital gain loss carry forward. A few years ago I made a lump sum contribution into VTSAX(80%) and VTIAX(20%). I have a mortgage on a rental property that is 3.75% with ~25 years remaining. Is my reasoning flawed to sell without any capital gains(loss is almost equal to mortgage) t...
by LittleGreenSoldiers
Wed Oct 03, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 4198

Re: Black suit with dark brown shoes?

Always be a gentleman.
It's formal. Be respectful and dress the part. Black shoes and black belt.
by LittleGreenSoldiers
Wed Oct 03, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle
Replies: 66
Views: 8236

Re: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle

Outstanding job Rick!


Feed back for future recordings. It would be great if at the intro you could state the date so it is captured in the audio.

If there is anyway to edit Episode #1 before it gets pushed out to too many download sites that would be great.


Looking forward to episode #2.
by LittleGreenSoldiers
Sun Sep 30, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 20
Views: 2691

Re: Bareboat Charter in BVI

Unfortunately, Horizon is out of sail cats for our dates. Any other recommendations? Moorings? Check out Dream Yacht Charters. No firsthand charter experience with them. I haven't chartered with them but did talk to them last season when looking at Grenada as an alternate to the BVIs. Well represen...
by LittleGreenSoldiers
Tue Feb 27, 2018 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1761

Re: Thoughts on an ESPP with 2 year contribution period?

I had a previous employer where the ESPP price was set for 2 years at a time. Purchase windows were every 6 months. If the stock price was lower than the 2 year price at the end of any 6 month purchase period the ESPP price would then be reset for another 2 years. Similar to the structure where the ...
by LittleGreenSoldiers
Wed Feb 14, 2018 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Gut check: is this lifestyle creep?
Replies: 37
Views: 6234

Re: Gut check: is this lifestyle creep?

If you have kids or plan to save even more. They are a very predictable life style creep and then some.
by LittleGreenSoldiers
Sun Feb 11, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 46
Views: 3407

Re: Mesh wifi solution sought for new house

Assuming you have AC wiring to both location you could try a powerline adapter solution. I have used a TP-Link AV500 unit for the past few months to bridge the LAN from my house to an out building about 350 feet away. The facility already has AC run underground. This specific unit provided 2 bridged...
by LittleGreenSoldiers
Sat Dec 30, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Target Net Worth
Replies: 39
Views: 5395

Re: Target Net Worth

40x annual expenses.
a. I planned to achieve it by age 55.
b. Based on my plan it is where I should be at 55.
c. 55 is the age I am targeting for early retirement as an option.
by LittleGreenSoldiers
Sat Dec 23, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: How much have you donated to John C Bogle Center for Financial Literacy?
Replies: 17
Views: 2146

Re: How much have you donated to John C Bogle Center for Financial Literacy?

By signing up at Smile.Amazon.com, and putting that address in my bookmarks, I've directed donations to John C Bogle Center for Financial Literacy. So far, I've donated $14.40. What are others at? Not signed up? Do it and join us for 2018! LeeMKE: It pleases me greatly to be able to participate in ...
by LittleGreenSoldiers
Sat Dec 23, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: How much have you donated to John C Bogle Center for Financial Literacy?
Replies: 17
Views: 2146

Re: How much have you donated to John C Bogle Center for Financial Literacy?

LeeMKE thank you for sharing.
I was not aware of this option for Amazon. Unfortunately our holiday blitz on Amazon took place a few weeks ago.
by LittleGreenSoldiers
Wed Dec 20, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Toys R Us online order warning
Replies: 23
Views: 2843

Re: Toys R Us online order warning

I can't comment on Toy's R Us customer service. With kids of my own I empathize with presents not delivered when expected. That said, we've tried our best to make sure we ordered a little earlier than years past. Even Amazon released a warning of possible delivery delays when the southeast experienc...
by LittleGreenSoldiers
Tue Dec 19, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 5552

Re: 100% equity folks- holding any cash/bonds now?

I recently shifted a bit from equities to bonds to keep things closer to my desired AA. Doesn't the same apply on a market pull back?

If someone is at 90/10 and the market drops 20% wouldn't an AA adjustment to get back to said 90/10 mean a shift from bonds/cash to equities?
by LittleGreenSoldiers
Tue Dec 19, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cash out car refi
Replies: 21
Views: 1482

Re: Cash out car refi

If you have the ability to pay of the loan you could drop comprehensive insurance. Most likely a much greater savings over the years than any refi hurdles.
by LittleGreenSoldiers
Tue Dec 19, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Question re: Funeral
Replies: 18
Views: 2472

Re: Question re: Funeral

Very sorry for your loss.
I like the idea of offering both.. If you are comfortable you might want to ask your brother in-law. Especially regarding donation to the family. He's probably already helping with the obituary, but if not I would ask my brother in-law before I put it in print.

prayers.
by LittleGreenSoldiers
Sun Dec 17, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Buy home with structural issues
Replies: 51
Views: 4545

Re: Buy home with structural issues

I assume you are out of your due diligence period of your contract. Does the real estate agent representing you as the buyer have anyu good advice to offer? Could you inform your lender of the structural issues and would that disqualify the loan? Assuming your purchase is contingent on financing thi...
by LittleGreenSoldiers
Sat Dec 16, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 6478

Re: When to move into bonds

When making a fairly large move from stocks to bonds does it make sense to wait until after an upcoming dividend distribution?
Of course the equity position could go down in value while waiting a few weeks for dividends.
by LittleGreenSoldiers
Sat Dec 16, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Best place to get a Suit
Replies: 21
Views: 2157

Re: Best place to get a Suit

Like others have said. Depends on your need and also where you live. Is this for a specific occasion? From you initial post it sound more job related. Are you young? Will you need a lager suit in the future? If this is for business attire think of you "suit" in 3 parts. Jackets, shirts and slacks. I...
by LittleGreenSoldiers
Fri Dec 15, 2017 11:43 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 26963

Re: 2nd million is easier!

sambb wrote:
Fri Dec 15, 2017 11:02 pm
the first billion is the hardest
Hear, hear!
Here's to the BH 3 commas club.

If not us our heirs and those that listen.
(note: if you are young and it is 2037 please pay attention and study this forum from the beginning.)
by LittleGreenSoldiers
Fri Dec 15, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Two commas, I'm calling it
Replies: 20
Views: 5085

Re: Two commas, I'm calling it

Kudos 2 bits! As a fellow BH with a couple rental properties I'd like to know how long ago you sold the rental property to add the proceeds to your investments. BTW. Like you I also had lots of disparate accounts in the past and have worked diligently in the last few years to simplify. Streamlining ...
by LittleGreenSoldiers
Fri Dec 15, 2017 8:53 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 26963

Re: 2nd million is easier!

I realize this post might be perceived as a humblebrag so please accept my apologies in advance. Financial milestones are not something I can really celebrate/share with family or friends. I am 51 years old and it took me until age 47 to accumulate over 1 million in my investment accounts. It only ...
by LittleGreenSoldiers
Fri Dec 15, 2017 8:25 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 26963

Re: 2nd million is easier!

Congratulations Bubbadog!
Inspirational and a testament to the BH way.

Happy Friday.
Cheer!
by LittleGreenSoldiers
Fri Dec 15, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Home owner liablity questions - parcel delivery
Replies: 19
Views: 2257

Re: Home owner liablity questions - parcel delivery

My understanding is this type of claim would fall under tort liability. I believe there are 3 criteria that must be met: 1) There must be a duty to care 2) There must have been a breach in the duty to care 3) The breach in duty must have caused an injury. In the case of a delivery person dropping o...
by LittleGreenSoldiers
Fri Dec 15, 2017 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 5535

Re: Wow. Just Wow.

I don't want to get too specific. I live in a city of 175,000 people. Our county has almost 500,000. Not super podunky. The main city/county newspaper recently published its "Best of County" awards in many categories. Best burger, best garden store ... I'm sure your paper has something very similar...
by LittleGreenSoldiers
Fri Dec 15, 2017 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Home owner liablity questions - parcel delivery
Replies: 19
Views: 2257

Home owner liablity questions - parcel delivery

Walking in my neighborhood this evening I could help but think about parcel delivery and a home owners liability. Many of my neighbors have many strings of lights out for the holidays. I know extension cords are commonly strong across the lawn, front walk way and driveway. This all coincides with a ...
by LittleGreenSoldiers
Thu Dec 14, 2017 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: cash, market timing, and such: retirement funds
Replies: 14
Views: 1503

Re: cash, market timing, and such: retirement funds

For what it's worth. About a month ago I moved 20% of my retirement portfolio from equities to bonds. It's something I know I probably should've done a few years ago as I am in my late 40s. Previously my AA was 90/10/10 domestic/international/bonds. I'm in my late 40s but have a very good income and...
by LittleGreenSoldiers
Tue Dec 12, 2017 12:41 am
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 64
Views: 7510

Re: Any of you trade just a little as a hobby?

I did some during the dot com days and learned my lesson. One thing to watch out for is that the worst thing that could happen is if you take some "play money" and do very well then there will be a real risk that you will start investing recklessly with more of your money. Been there done that. At ...
by LittleGreenSoldiers
Tue Dec 12, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: 25 and in need of help
Replies: 3
Views: 581

Re: 25 and in need of help

Thank you for your service! 1. 20-30 years from now if you follow the BH way you'll be financially independent and most likely in early retirement. 2. Maximize all tax advantage retirement account on your journey as your joint income grows over the years. 3. Figure out an efficient strategy for coll...
by LittleGreenSoldiers
Wed Dec 06, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 7934

Re: House on the market less than a day. Did listing agent commit fraud?

If you are still interested in the house you could check and see if they are entertaining backup offers. Houses under contract can fall through for various reasons(financing, home inspection, cold feet).