Search found 44 matches

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: 5429

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: 45
Views: 2147

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: 4615

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: 1826

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: 1826

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: 2460

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: 38
Views: 2819

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: 1124

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: 2168

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: 3835

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: 5313

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: 1757

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: 23921

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: 4713

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: 23921

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: 23921

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: 1958

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: 5033

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: 1958

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: 1279

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: 6240

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: 519

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: 7265

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).
by LittleGreenSoldiers
Wed Mar 15, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 11546

Re: Costco tire - Michelin vs Bridgestone

Once you get your quotes from Costco, give Discount Tire/America's Tire a call. I did this when I bought my winter tires (set of 4) and Discount Tire beat Costco's price. Costco's price after $70 off was $440. Discount quoted me $400 plus $100 cash card. In California, Discount Tire is called Ameri...
by LittleGreenSoldiers
Thu Feb 23, 2017 12:17 am
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 43
Views: 4661

Re: Dishwasher suggestions. LG Quad Wash vs???

Another Bosch fan. 800 Series. Ours is about 3 months old. Quietest I've ever had I never really noticed our 10 year old GE. Newer dishwashers are extremely efficient form a power consumption perspective. Heating elements for drying are a thing of the past. It's both a pro and a con. It's low use of...
by LittleGreenSoldiers
Tue Feb 21, 2017 9:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 2282

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

Mr. Bogle discusses his heart day during this brief interview this morning.
http://www.cnbc.com/2017/02/21/jack-bog ... rally.html

Here's to many more Jack! :sharebeer
by LittleGreenSoldiers
Tue Feb 21, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 9178

Re: Which puppy to buy: golden retriever or labrador retriever?

Call me shallow but I'd think pets would be in the same grouping as second homes in this forum. I start with that because I think about more dogs and/or a second home all the time. I'm not trying to be cold, but there is a long term investment cost to every dollar spent one must considers. I.E. We h...
by LittleGreenSoldiers
Tue Feb 21, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 85
Views: 19138

Re: Tracking progress to $1M portfolio and no mortgage by 40

Way ahead of the game. Keep doing what you are doing.
As the saying goes "Youth is wasted on the young." Not in this wonderful forum mind you.
Many happy decades of compound indexing without the tyranny of high expenses.
by LittleGreenSoldiers
Mon Feb 20, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall, investing, insurance?
Replies: 41
Views: 4465

Re: Windfall, investing, insurance?

If the windfall from inheritance greatly increases your net worth get/increase an umbrella policy to cover your new net worth.
by LittleGreenSoldiers
Mon Feb 20, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 103
Views: 9622

Re: Terrible negotiator - need help with words to use [Buying a car]

"book" value, "internet" value etc. Anytime someone selling a car(or anything for that matter) brings up those points of reference kindly remind them that the book or internet are not standing in front of them but you are. Paying cash? Even better!
by LittleGreenSoldiers
Tue Feb 14, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Adjusting 401k contributions for bonuses and raises
Replies: 17
Views: 1887

Re: Adjusting 401k contributions for bonuses and raises

Your employer should allow for a fixed contribution amount per pay period vs a percentage of gross pay. With employee match just be aware of and pay close attention to employer match that may be paid out on quarterly basis. There may be a maximum employer contribution per quarter. In the past I left...
by LittleGreenSoldiers
Tue Feb 14, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: 200K cash, should I pay off rental property or open taxable account?
Replies: 13
Views: 1230

Re: 200K cash, should I pay off rental property or open taxable account?

I'll chime back in. This thread is very relevant to how my real estate holdings pertain to my current AA. I think of real estate as a portion of my "bond" portion of my AA. If other will compare interest as a negative bond then why not income cash flow on a rental mortgage as a positive bond? With a...
by LittleGreenSoldiers
Tue Feb 14, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: 200K cash, should I pay off rental property or open taxable account?
Replies: 13
Views: 1230

Re: 200K cash, should I pay off rental property or open taxable account?

WhiteMaxima wrote:Pay off loan then use cash flow to invest.
+1

I didn't say I made the right choice. :wink:
by LittleGreenSoldiers
Tue Feb 14, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: 200K cash, should I pay off rental property or open taxable account?
Replies: 13
Views: 1230

Re: 200K cash, should I pay off rental property or open taxable account?

Have you considered what your effective interest rate is after any allowable interest deduction? http://www.bankrate.com/calculators/mortgages/loan-tax-deduction-calculator.aspx I'm in a similar situation with my rental. 30year fixed at 3.875%. After deduction (28% Fed and 6% State) my effective rat...
by LittleGreenSoldiers
Fri Feb 10, 2017 8:42 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 399
Views: 38574

Re: Your USER NAME...what does it mean?

All the little green guys we work so hard for and stuff away for an early retirement. I am very please with their recruiting efforts lately.
by LittleGreenSoldiers
Thu Jun 16, 2016 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 17908

Re: Who has needed to use their umbrella insurance?

There is usually the same list of a couple obscure cases someone posts. One is a nanny having a diabetic crisis while driving resulting in the injury of a child in the vehicle and other references a 15 year old allowed to drive a boat which results in the severe injury to another child in the boat....
by LittleGreenSoldiers
Thu Jun 16, 2016 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 17908

Re: Who has needed to use their umbrella insurance?

A very important additional use for umbrella insurance. Some umbrella policies may be used to augment uninsured motorist. It's a good idea to have an umbrella policy which can augment your UM. Laws very by state and policy by insurer. example: "Umbrella policies are often purchased to supplement and...
by LittleGreenSoldiers
Tue Nov 25, 2014 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Porfolio review, consolidation needed
Replies: 15
Views: 1688

Re: Porfolio review, consolidation needed

My hesitation on current employer 401K at MassMutual is due more to lack of exposure/familiarity with it. I've only been in it about 4 months. From an ease of use I like Fidelity's NetBenefits user interface best. Second best is Schwab closely followed by Vanguard. MassMutual last. The MassMutual we...
by LittleGreenSoldiers
Tue Nov 25, 2014 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Porfolio review, consolidation needed
Replies: 15
Views: 1688

Re: Porfolio review, consolidation needed

Ok. This is interesting. I thought you could only roll a previous 401K into your current employer 401K. If an older 401K allows for a roll in then I missed it. The believe the 3 Fidelity and 1 Schwab previous 401Ks are all good options to consider. In the event I could roll in to any of them this wo...
by LittleGreenSoldiers
Tue Nov 25, 2014 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Porfolio review, consolidation needed
Replies: 15
Views: 1688

Re: Porfolio review, consolidation needed

retiredjg, I plan to get His tIRA rolled to current 401K and Her tIRA converted to Roth by end of 2014. New taxed contributions to IRA and backdoor to Roth would be in 2015. I thought this would be the cleanest for tax purposes as there would be no tIRAs held in 2015. Thanks for the recommendation o...
by LittleGreenSoldiers
Tue Nov 25, 2014 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Porfolio review, consolidation needed
Replies: 15
Views: 1688

Re: Porfolio review, consolidation needed

Thank you everyone for your responses so far. I initially thought rolling over and consolidating orphaned 401Ks to a single IRA was the best option. Of course this conflicts with any plans to increase Roth holdings through the backdoor. I didn’t even think about converting her tIRA to Roth and then ...
by LittleGreenSoldiers
Mon Nov 24, 2014 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Porfolio review, consolidation needed
Replies: 15
Views: 1688

Re: Porfolio review, consolidation needed

Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 10% of stocks I like the International portion, but think the 80/20 AA is pretty stiff for folks your age. I am not opposed to higher bond holding. Maybe 70/30. Coming from basically 100 equities 20 is a big first st...
by LittleGreenSoldiers
Mon Nov 24, 2014 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Porfolio review, consolidation needed
Replies: 15
Views: 1688

Re: Porfolio review, consolidation needed

1.) You will need to list *all* the funds in your 401K, not just the two you've decided to show us. BlackRock High Yield Bond (BRHYX) (ER .56) isn't one I would choose. 2.) Vanguard Health Care (VGHCX) (ER .35) why this fund? Funds in current 401K: Vanguard Target Retirement Fund 2015 through 2060 ...
by LittleGreenSoldiers
Sun Nov 23, 2014 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Porfolio review, consolidation needed
Replies: 15
Views: 1688

Porfolio review, consolidation needed

I’ve been reading this forum for some time now. I’ve read a few books and what not and now consider myself a fan of Mr. Bogle. My short term goal is to streamline my portfolio through A. roll-in of orphaned 401(K)s, B. Rollover those orphans to Vanguard IRA or C. a combination of both where it make ...