Search found 22 matches

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: 55
Views: 6425

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: 9490

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: 4130

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: 2181

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: 8848

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: 59
Views: 13759

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: 4403

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: 94
Views: 8000

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: 1395

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: 1153

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 bo...
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: 1153

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: 1153

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? m I'm in a similar situation with my rental. 30year fixed at 3.875%. After deduction (28% Fed and 6% State) my effective rate is around 2.8%. I chose to put additional cash into taxable account holding e...
by LittleGreenSoldiers
Fri Feb 10, 2017 8:42 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 33796

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: 17199

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: 17199

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 supplemen...
by LittleGreenSoldiers
Tue Nov 25, 2014 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Porfolio review, consolidation needed
Replies: 15
Views: 1679

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: 1679

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: 1679

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: 1679

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: 1679

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: 1679

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: 1679

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 ...