Search found 103 matches

by LittleGreenSoldiers
Tue Dec 10, 2019 11:45 pm
Forum: Personal Investments
Topic: Help I’m overwhelmed [Help selecting investments]
Replies: 42
Views: 2783

Re: Help I’m overwhelmed

No need to feel overwhelmed. At 28 I had no idea what an emergency fund was. No idea what saving for a down payment on a house was. No idea what funding a Roth was. Thrust me. You are ahead of the game. Relax. Read the FAQs. Invest in long term total stock market index funds and stay the course.
by LittleGreenSoldiers
Thu Nov 21, 2019 3:13 pm
Forum: Investing - Theory, News & General
Topic: Where does the money come from?
Replies: 52
Views: 6404

Re: Where does the money come from?

By accounting convention we call the most recent trade's price the market price. If PJW Enterprises last transacted at $10, every share would be accounted as being worth $10. If there's a subsequent trade at $11, every share will be accounted as being worth $11. A trade of one single share out of m...
by LittleGreenSoldiers
Thu Oct 24, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Wifi in 3000 sq ft house and garage
Replies: 41
Views: 3344

Re: Wifi in 3000 sq ft house and garage

We have a 2 story, 3000 sq ft home (heavily insulated) with a detached garage. The garage is 1500 square feet and about 25 yards from the house. Internet cable comes into modem on 2nd floor. We bought a recommended tp-link Ac1750 router but wifi is intermittent at best when downstairs. Wifi is non ...
by LittleGreenSoldiers
Fri Oct 18, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Are Really Large Battery Brands Fungible?
Replies: 29
Views: 3422

Re: Are Really Large Battery Brands Fungible?

There are only a few manufactures of AGM batteries. Maybe as few as 3, but lots of different brands they are marketed and sold under.. It's been a few years since I replace 2 large AGM deep cycle batteries on a sailboat. Doing a little researched I discovered that the West Marine brand that the prev...
by LittleGreenSoldiers
Tue Oct 15, 2019 11:43 pm
Forum: Personal Investments
Topic: How to handle 5M capital gain (post-IPO)
Replies: 118
Views: 11957

Re: How to handle 5M capital gain (post-IPO)

Welcome to the forum Fluter. While all startup aren't the same, kudos for taking some initial gains right out of the gate. I personally would take as much as I could this year and in Jan 01, 2020 as your tax situation makes sense. Moving forward what does you're situation look like? Do you plan to s...
by LittleGreenSoldiers
Tue Oct 08, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7989

Re: Should I sell or keep my 5 year old depreciated Tesla

For what it's worth. My daily driver is a 2012 Accord that I purchased in 2016 for $12K. (the per year depreciation of your Tesla over the 5 years you have owned it.) I have put 40K miles on my accord in the past 3 years and plan to drive it for at least another 5 years. Maintenance is cheap, insura...
by LittleGreenSoldiers
Sun Oct 06, 2019 6:16 am
Forum: Personal Finance (Not Investing)
Topic: HELP! Parents have $0 for retirement - how can I keep them afloat??
Replies: 49
Views: 8601

Re: HELP! Parents have $0 for retirement - how can I keep them afloat??

To the OP,
I wish you well on what ever course you take.
Never mind those who say it is not your responsibility. There is a difference between responsibility and obligation.
I for one would move heaven an earth to take care of my parents.

Good on ya mate!
by LittleGreenSoldiers
Sun Oct 06, 2019 5:48 am
Forum: Personal Investments
Topic: Reality check
Replies: 21
Views: 2960

Re: Reality check

Miltf, congratulations to both you and your wife on your retirement. Please go to the library and check out a copy of John C Bogle's Little Red Book of Common Sense Investing. Then stay the course. It has been said many times on this forum that once you know enough to pick a decent advisor you will ...
by LittleGreenSoldiers
Thu Oct 03, 2019 10:48 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13625

Re: I pulled out... How do I get back in?

What a great example of stay the course. No body knows. The is a general statement not to be targeted at the OP: If at a certain age a slight pull back in the market in one week scares someone then their asset allocation is not appropriate for them at this point in their life. Why follow this forum ...
by LittleGreenSoldiers
Thu Oct 03, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Removing smoke odor from clothing
Replies: 20
Views: 1819

Re: Removing smoke odor from clothing

Is the item valuable? I'm by no means an expert in this area. If it's a valuable item or you want or want to preserve it in your family for generations here are a few thoughts. You might want to talk to someone with expertise in preserving fabrics. Light, air and moisture are probably your biggest c...
by LittleGreenSoldiers
Wed Sep 11, 2019 10:18 pm
Forum: Investing - Theory, News & General
Topic: How and where to invest for a 92-year-old?
Replies: 20
Views: 1667

Re: How and where to invest for a 92-year-old?

Lovn' Retirement I am sorry for your predicament. I watched my elderly parents handle similar situation with one of my grandparents at similar age. My great grand parent made it to 101. In our family's situation the financials were a little bit better. Of course know one really knows how many years ...
by LittleGreenSoldiers
Wed Aug 28, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should we let go of our Realtor and get a Real Estate Attorney?
Replies: 82
Views: 4478

Re: Should we let go of our Realtor and get a Real Estate Attorney?

While waiting for the buyer contract to expire why don't you go get your real estate license?
by LittleGreenSoldiers
Wed Aug 07, 2019 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Employer offering equity in company. What questions to ask?
Replies: 37
Views: 3184

Re: Employer offering equity in company. What questions to ask?

...My gut says decline but i want to be prepared to do my due diligence. Declining may limit your career trajectory at that company... Your career, your decision. For what it's worth, I've lost more than I have won in company equity positions in the last 30 years. Yep. Can't judge future expectatio...
by LittleGreenSoldiers
Mon Jul 29, 2019 10:15 pm
Forum: Investing - Theory, News & General
Topic: Why VBTLX returned 7.85% over the year with rates rising?
Replies: 18
Views: 2486

Re: Why VBTLX returned 7.85% over the year with rates rising?

roughly 5.5% overall gain for me since adding VBTLX to part of my portfolio a little over two years ago. No complaints here.
by LittleGreenSoldiers
Mon Jul 29, 2019 9:55 pm
Forum: Investing - Theory, News & General
Topic: If you try and don't succeed blame the indexes
Replies: 41
Views: 4119

Re: If you try and don't succeed blame the indexes

Netsaid, Not to sound like I don't appreciate all the information, but this all seems way more complicate in contrast to why I decided to follow Bogleheads in the first place. I follow a simple Three Fund Portfolio and consider going to Two Fund to simplify even further. One thing I wonder about and...
by LittleGreenSoldiers
Thu Jun 20, 2019 9:13 pm
Forum: Personal Investments
Topic: First exposure to vanguard today
Replies: 10
Views: 1556

Re: First exposure to vanguard today

Welcome to the club and the forum.

Stay the course!
by LittleGreenSoldiers
Tue Jun 18, 2019 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 13337

Re: With hindsight, what signs indicated you were about to lose your job?

The company I worked for was acquired. Micro-management came our of nowhere from existing boss. Company was acquired. Saw a spreadsheet. Bean counters started controlling costs. Tighter control of travel and expenses. Company was acquired. Expenses were cranked down and highly scrutinized. In an ind...
by LittleGreenSoldiers
Thu Jun 13, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Petroleum pipeline on property
Replies: 27
Views: 2726

Re: Petroleum pipeline on property

Absolutely no way should you buy residential property with a commercial gas or petroleum pipeline and easement on it. There is nothing but downside associated with that transaction/investment. It's your money and your family. Besides, if the seller did not disclose this what else could they not hav...
by LittleGreenSoldiers
Wed Jun 12, 2019 11:52 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 4322

Re: Which shaving cream / oil?

Another vote for Cremo. I've been using it for a few years now.
After reading this tread last night I tried a little olive oil under the Cremo today.
Tha's a tip I had not heard of before. I'm pretty impressed after one shave.
by LittleGreenSoldiers
Wed May 29, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Naming beneficiaries for non-retirement accounts
Replies: 15
Views: 1391

Re: Naming beneficiaries for non-retirement accounts

dwickenh, I am sorry for your loss. Many thoughts and prayers your way. Thank you for posting this question as I had not put much thought into the beneficiaries on my Vanguard taxable accounts. I set primary as DW(100%) and secondary as our children(split equally). I wish I had more to contribute bu...
by LittleGreenSoldiers
Fri May 24, 2019 9:20 am
Forum: Personal Investments
Topic: Use HSA To Buy Boat?
Replies: 11
Views: 944

Re: Use HSA To Buy Boat?

Can you reimburse medial expenses for costs incurred prior to establishing an HSA?
by LittleGreenSoldiers
Sun May 12, 2019 6:29 pm
Forum: Personal Investments
Topic: When will mortgage lender count my rental income?
Replies: 13
Views: 1188

Re: When will mortgage lender count my rental income?

Mortgage payment will go up. Combined amount for P&I will stay the same but assuming taxes and insurance are collected/held in escrow the total monthly obligation will continue to rise. That's why we raise the rent annually. I wish it was purely for increased profits. My lender counts 75% of my rent...
by LittleGreenSoldiers
Thu Apr 04, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: How reliable is H&R Block...?
Replies: 24
Views: 1950

Re: How reliable is H&R Block...?

We've been using the some enrolled agent for about 20 years. Our return is not super complicated but over the years returning to the same individual for convenience and peace of mind is a good value for us.
by LittleGreenSoldiers
Fri Mar 22, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Charging Monthly Fee - How to Avoid it?
Replies: 19
Views: 2549

Re: HSA Charging Monthly Fee - How to Avoid it?

The dark ages of HSA investing are now over. During the dark ages, I said that whoever provides no fees and a good investment lineup with first dollar investing would get the money. I guess we'll see now. Fidelity at least got my money. I thought you had an Optum HSA account. Do you still have it -...
by LittleGreenSoldiers
Sat Mar 09, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Charging Monthly Fee - How to Avoid it?
Replies: 19
Views: 2549

Re: HSA Charging Monthly Fee - How to Avoid it?

The dark ages of HSA investing are now over. During the dark ages, I said that whoever provides no fees and a good investment lineup with first dollar investing would get the money. I guess we'll see now. Fidelity at least got my money. I thought you had an Optum HSA account. Do you still have it -...
by LittleGreenSoldiers
Sun Feb 17, 2019 12:28 am
Forum: Personal Investments
Topic: Novice investor - help with basics - ~180k invest tips
Replies: 23
Views: 1116

Re: Novice investor - help with basics - ~180k invest tips

Welcome to the forum rajwar. You received some great advice so for. Read the forum and maximize not only your employer match but the IRS maximum pre-tax limits. Do you have access to a High Deductible Health Plan(HDHP) and there for a Health Savings Plan(HSA)? That could be worth up to another $7,00...
by LittleGreenSoldiers
Tue Feb 12, 2019 5:15 pm
Forum: Investing - Theory, News & General
Topic: What Is Your Favorite Bogle Quote?
Replies: 48
Views: 3077

Re: What Is Your Favorite Bogle Quote?

"My only regret about money, is that I don't have more to give away."

Yet he gave so much to so many through is wisdom and steadfast belief in low cost investing.
What a man! I wish I had a chance to meet Jack.
by LittleGreenSoldiers
Sun Feb 03, 2019 10:52 pm
Forum: Investing - Theory, News & General
Topic: Employer changing 401K administrator. Are you requried to move funds to new provider?
Replies: 14
Views: 1124

Re: Employer changing 401K administrator. Are you requried to move funds to new provider?

Many plans allow I think partial in-service rollover for age 59.5 and over. I've asked and followed this in other posts. In HR lingo this is called an "in service non hardship withdrawal" if you want to Google that. Do not let them get this confused with a hardship withdrawal. Thank you Watty. Alwa...
by LittleGreenSoldiers
Sun Feb 03, 2019 9:10 pm
Forum: Investing - Theory, News & General
Topic: Employer changing 401K administrator. Are you requried to move funds to new provider?
Replies: 14
Views: 1124

Re: Employer changing 401K administrator. Are you requried to move funds to new provider?

Thank you to every one for their responses so far. I guess it really depends on how things are structured in the old plan and new plan. I was hoping there was something more definitive from a tax code that said an employer or administrator has the ability to do X or Y. Maybe one option short of leav...
by LittleGreenSoldiers
Sun Feb 03, 2019 1:25 pm
Forum: Investing - Theory, News & General
Topic: Employer changing 401K administrator. Are you requried to move funds to new provider?
Replies: 14
Views: 1124

Employer changing 401K administrator. Are you requried to move funds to new provider?

In the event that an employer decides to change 401K administrators are you required to move funds in current plan to new?
by LittleGreenSoldiers
Sun Jan 20, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to reduce base expenses
Replies: 9
Views: 1353

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: US Chapters
Topic: Bogleheads united front on donations in name of John C Bogle?
Replies: 1
Views: 553

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: 1077

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: Personal Investments
Topic: Real estate as part of overall investment plan
Replies: 37
Views: 2879

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: 63
Views: 6095

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: Personal Investments
Topic: Move 401K to new employer or keep at old?
Replies: 16
Views: 1131

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: Personal Investments
Topic: Move 401K to new employer or keep at old?
Replies: 16
Views: 1131

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: Personal Investments
Topic: Elders....A young buck needs your help!
Replies: 15
Views: 1365

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: 2249

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: 1785

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: Personal Investments
Topic: Calculating savings rate
Replies: 50
Views: 3095

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: 1785

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: 2875

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: Personal Investments
Topic: Calculating savings rate
Replies: 50
Views: 3095

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: Personal Investments
Topic: Too Heavy in Real Estate?
Replies: 12
Views: 1076

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: Personal Investments
Topic: Am I retirement ready?
Replies: 63
Views: 8135

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: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 12768

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: 603

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...