Search found 184 matches

by ccf
Sat Nov 21, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pandemic reduced our spending by 30% - How about you?
Replies: 112
Views: 6781

Re: Pandemic reduced our spending by 30% - How about you?

Our spending is up due to food costs. I haven't been comfortable going to the supermarket so it's been food delivery, more expensive local stores (which I am happy to support), mail ordering specialty items, and sometimes takeout.
by ccf
Wed Nov 18, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Happily retired but seriously considering going back to work
Replies: 78
Views: 6407

Re: Happily retired but seriously considering going back to work

I expect I'll feel tempted by work after retirement.

I personally would ask for a 30 hour week and mostly remote forever because it doesn't take long for the hours and commuting to spoil things.
by ccf
Mon Nov 16, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: HBO Max - view on TV?
Replies: 36
Views: 1785

Re: HBO Max - view on TV?

I watch it via the Hulu app (on my Roku). It's on of the premiums that you can add to Hulu.

Roku will support it in the upcoming OS update.
by ccf
Sun Nov 15, 2020 7:59 am
Forum: Personal Investments
Topic: Is going to a robo advisor for tax loss harvesting worth it?
Replies: 31
Views: 3381

Re: Is going to a robo advisor for tax loss harvesting worth it?

I used Betterment for a few years before moving all of my money to Vanguard. I didn't think it was worth the fees compared to having a 3 fund at Vanguard and tax loss harvesting myself. It also complicated my financial life because I had to avoid all of the dozens of funds that they'd harvest from i...
by ccf
Fri Nov 13, 2020 6:35 pm
Forum: Personal Investments
Topic: Not sure TLH was worth it
Replies: 45
Views: 5484

Re: Not sure TLH was worth it

Chip Shot wrote: Fri Nov 13, 2020 6:27 pm I am not seeing the benefit here... Am I missing something?
If this bothers you, in the future, you can stick to TLHing into funds that are very similar that you are happy to hold forever (for example, a Fidelity or Schwab total market ETF)
by ccf
Tue Nov 10, 2020 7:25 pm
Forum: Personal Investments
Topic: Extra or "play" money high risk/reward speculative moonshots... If you partake, what are you doing?
Replies: 16
Views: 2112

Re: Extra or "play" money high risk/reward speculative moonshots... If you partake, what are you doing?

These are all relatively small sums as I don't let the total exceed 5% of my portfolio: "invested" in Filecoin 3 years ago. I've recovered my initial investment and will be quite happy with my ROI if it doesn't tank before my vesting is complete. Bitcoin A build-your-own-fund that I create...
by ccf
Sun Nov 08, 2020 2:59 pm
Forum: Investing - Theory, News & General
Topic: % allocation in bitcoin
Replies: 204
Views: 11073

Re: % allocation in bitcoin

This year, based on buy in/industry health/maturity/adoption and not the price, I decided make Bitcoin part of my allocation. I chose to start at 1%.

I don't see it as that different from allocating a bit to gold.
by ccf
Mon Nov 02, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Powerful Battery Leaf Blowers
Replies: 82
Views: 4416

Re: Powerful Battery Leaf Blowers

UPDATE: now leaning towards the Ego LB6504 I have this Ego. it's fine. It's nice to have a battery powered blower. I appreciate it apart from the few days a year when I try to use it to clear the whole yard (about a half acre of grass) ... then I hate life and sometimes borrow my dad's backpack gas...
by ccf
Mon Nov 02, 2020 6:51 am
Forum: Personal Consumer Issues
Topic: Improving Wi-Fi coverage: Use existing Cat5e and MoCA?
Replies: 73
Views: 4219

Re: Improving Wi-Fi coverage: Use existing Cat5e and MoCA?

I use TP-Link Deco mesh devices for this. They have a guest network (1 only) feature. I have four of these: finished basement, first floor office, first floor TV room, second floor. the only catch is that when you do wired backhaul with these, every device needs to be wired. you can't have two that ...
by ccf
Sat Oct 31, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Heat - What do you set your temps to in Winter?
Replies: 136
Views: 8253

Re: Heat - What do you set your temps to in Winter?

I am seeing some really low numbers posted here...low 60s and high 50s in some cases. Are you all using space heaters as well with the thermostats set so low? I had the opposite feeling - keeping your house above 70 seems hot to me! I'm from NH originally and if I ever set my thermostat above 70, m...
by ccf
Fri Oct 30, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: obamacare / ACA Individual Plan Premiums for 2021
Replies: 62
Views: 4160

Re: obamacare / ACA Individual Plan Premiums for 2021

I'm in a pretty similar situation as you. Small business owner with a couple of employees. I'm not sure if this would help you, but my wife and I have a small business and we insure 3 full time employees. Everyone is remote and has different needs with respect to covered doctors, etc. We purchase t...
by ccf
Thu Oct 29, 2020 12:11 pm
Forum: Investing - Theory, News & General
Topic: is now a good time to go to cash in your portfolio?
Replies: 76
Views: 4940

Re: is now a good time to go to cash in your portfolio?

I hope it doesn't feel like a pile-on if I also say this: riptide, maybe unplug for a bit? We all know that the news is not a mirror that shows us the world exactly as it is but that doesn't make it any easier to digest it all. It's important to take care of yourself! Do away with things that aren't...
by ccf
Wed Oct 28, 2020 9:58 am
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 380
Views: 20325

Re: What’s “your number” for each kid’s 529?

Wow there are some huge numbers in this thread!

I plan to stop contributing when I have 100% in state tuition, room and board in today's (well, whatever day i stop) dollars for each child. Currently that's ~$100K per child.
by ccf
Wed Oct 28, 2020 9:46 am
Forum: Personal Investments
Topic: For the self employed business owners on here....
Replies: 8
Views: 610

Re: For the self employed business owners on here....

1. How did you get your start? Is it a family business? Started it as a for-fun project with my partner to fill a need that we personally wanted to see filled. 2. Do you offer a product or service? Service (online) 3. Did you start off part-time and then transition into full-time or did you go all ...
by ccf
Thu Oct 22, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: PayPal will let customers buy cryptocurrencies and use them for online payments
Replies: 26
Views: 2138

Re: PayPal will let customers buy cryptocurrencies and use them for online payments

But they do have to have a PayPal account, don't they? And if they have a PayPal account, you can pay them in dollars. so I'm just spitballing here ;) but at work I regularly deal with sellers with needs like... * don't have a bank account so they can only use their PayPal balance to pay for things...
by ccf
Thu Oct 22, 2020 6:18 pm
Forum: Investing - Theory, News & General
Topic: PayPal will let customers buy cryptocurrencies and use them for online payments
Replies: 26
Views: 2138

Re: PayPal will let customers buy cryptocurrencies and use them for online payments

As someone who does a lot of business through Paypal and also holds a decent amount of crypto, I do not see much use case for this. I'm thinking about sellers/merchants and not buyers. It sounds like this would enable people to pay literally anyone with PayPal, no matter what country they reside in...
by ccf
Wed Oct 21, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 6899

Re: New smoker recommendation?

I'm also a big fan of the Weber Smokey Mountain. It took me 2 uses I think to get the hang of setting up the charcoal and vents so that it is set it and forget it.

I also have a cheapo $100 electric smoker that I use for hot smoked fish and the occasional boneless turkey breast.
by ccf
Tue Oct 20, 2020 11:08 am
Forum: Investing - Theory, News & General
Topic: Ally Bank Removed Online Early Withdrawal From No-Penalty CDs
Replies: 108
Views: 9023

Re: Ally Bank Removed Online Early Withdrawal From No-Penalty CDs

The post says:
The message makes it sound like it’s only temporary, maybe during system maintenance, but it’s not. The change is permanent.
...but I don't see any reason to believe that the change is permanent, at this time at least?
by ccf
Mon Oct 19, 2020 1:37 pm
Forum: Personal Investments
Topic: Linus 4.5% — what is this?
Replies: 15
Views: 1900

Re: Linus 4.5% — what is this?

There are a few leaps of faith that you have to take to use something like this. One that might not be so obvious is that your deposits are held in USD Coin (https://www.circle.com/en/usdc) and not dollars.
by ccf
Mon Oct 19, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness Process
Replies: 5
Views: 556

Re: Public Service Loan Forgiveness Process

My friend often mentions to me that she gets good information from the PSLF Facebook group

Public Service Loan Forgiveness Program Support (PSLF)
https://www.facebook.com/groups/1334669819967470/
by ccf
Sun Oct 18, 2020 12:19 pm
Forum: Forum Issues and Administration
Topic: Online discussion community issues
Replies: 16
Views: 985

Re: Online discussion community issues

I've been involved in moderation of online communities for a long time and the Bogleheads rules are very well designed, thoughtful, and set the moderation team up for success.

suggest that your community takes a look at them !
by ccf
Sat Oct 17, 2020 3:51 pm
Forum: Personal Investments
Topic: Anyone using crypto exchanges to earn higher interest on their cash?
Replies: 90
Views: 7804

Re: Anyone using crypto exchanges to earn higher interest on their cash?

Mainly counterparty risk, as you pointed out. https://help.blockfi.com/hc/en-us/articles/360048862572-What-are-the-risks-with-depositing-my-crypto-at-BlockFi- More insight into who these counterparties are: "The Market Driving Crypto Lending" https://blockfi.com/the-market-driving-crypto-l...
by ccf
Sat Oct 17, 2020 3:18 pm
Forum: Personal Investments
Topic: Anyone using crypto exchanges to earn higher interest on their cash?
Replies: 90
Views: 7804

Re: Anyone using crypto exchanges to earn higher interest on their cash?

This is a weird space. Crypto secured crypto loans can have terms in days or hours and although their retail loan business is right there in the link, I expect institutional is the vast majority of their volume. No free lunches, but when it comes to risk but I'm already holding Bitcoin. Keeping my B...
by ccf
Sat Oct 17, 2020 12:22 pm
Forum: Personal Investments
Topic: Anyone using crypto exchanges to earn higher interest on their cash?
Replies: 90
Views: 7804

Re: Anyone using crypto exchanges to earn higher interest on their cash?

For those folks who are already long term speculating on Bitcoin, BlockFi is offering (through Oct 31) up to $275 bonus for new accounts: https://try.blockfi.com/oct-btc-offer/ Interest rates are here: https://blockfi.com/rates/ So if you have 1 BTC, storing it with BlockFi will get you a $275 bonus...
by ccf
Sat Oct 17, 2020 8:19 am
Forum: Personal Investments
Topic: Portfolio Review: Just Hit $500,000!
Replies: 34
Views: 5013

Re: Portfolio Review: Just Hit $500,000!

I'll put $100,000 of my 401k's total stock market into bonds. That will put me to 20% bonds, 67% total stock market. I'd leave international alone. This would be about 1/3 of my traditional 401k being in bonds at that point. Then I would market time and when we have the next big crash like march 20...
by ccf
Fri Oct 16, 2020 12:16 pm
Forum: Personal Investments
Topic: Portfolio Review: Just Hit $500,000!
Replies: 34
Views: 5013

Re: Portfolio Review: Just Hit $500,000!

+1 on the advice to reconsider bonds. You are 95% equities and "not in a rush to get serious about bonds until I’m 40" but you are 40 in 2 years :)

Were invested 95/5 before COVID hit?
by ccf
Fri Oct 16, 2020 8:58 am
Forum: Personal Investments
Topic: Portfolio Review: Just Hit $500,000!
Replies: 34
Views: 5013

Re: Portfolio Review: Just Hit $500,000!

A 401k won't affect your backdoor Roth but I did just notice that one of you has a large trad Rollover IRA. You don't want to convert that and pay taxes on it....so you've got one person's $6000 of Roth space that you can convert into and not $12000. I'd do that. From your post it looks like you can...
by ccf
Fri Oct 16, 2020 8:26 am
Forum: Personal Investments
Topic: Portfolio Review: Just Hit $500,000!
Replies: 34
Views: 5013

Re: Portfolio Review: Just Hit $500,000!

Congrats! 2 cents from another roughly 40 year old with kids First - refinance the 3.25% 15 year mortgage! You should be able to do better than 2.5% right now. 2. Roth Conversion - I’ve seen many threads on this. After all my reading, I feel that at this point in time, we shouldn’t worry about a con...
by ccf
Mon Oct 12, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?
Replies: 91
Views: 5024

Re: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?

Someone earlier mentioned sticking to where you feel you some kind of edge or sense that you know something that others are missing... ...Cloudflare by virtue of some projects I've been on and ended up doing some informal research It was a great day for cloudlfare (I own the stock as well). This ma...
by ccf
Wed Oct 07, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Peanut Butter With Little or No Added Sugar
Replies: 81
Views: 5123

Re: Recommendations for Peanut Butter With Little or No Added Sugar

ScubaHogg wrote: Wed Oct 07, 2020 7:42 am Teddy’s. Best peanut butter ever. Usually need to stir first time you open, but not again after. If your local stores don’t sell it, Amazon does

https://teddie.com/product/old-fashion- ... al-smooth/
I second Teddie! It's very good, reasonably priced, and independent and local to me ;)
by ccf
Tue Oct 06, 2020 10:46 am
Forum: Personal Investments
Topic: What to speculate on?
Replies: 48
Views: 3196

Re: What to speculate on?

I have a folioinvesting.com account where I've built my own fund (29 holdings) by picking stocks that would fit the world in a science fiction book with a pandemic-related plot that I really like. How is that for speculation? haha I do agree with upsetraptor: In order for it to actually make a meani...
by ccf
Sun Oct 04, 2020 12:03 pm
Forum: Personal Investments
Topic: Thoughts on investing in Pre-IPO Companies?
Replies: 33
Views: 2939

Re: Thoughts on investing in Pre-IPO Companies?

I've done a few private investments. After reading this Twitter thread (written by someone with more tech industry opportunities than I), I decided to stop.

https://twitter.com/mathowie/status/1262578143023357952
by ccf
Wed Sep 30, 2020 11:26 am
Forum: Personal Investments
Topic: Investing $150,000, in this day and age
Replies: 44
Views: 5143

Re: Investing $100,000, in this day and age

If you can't risk any of it, put it in 2 or 3 (a few because you can't early withdraw a portion of the whole) Ally Bank No Penalty CDs and enjoy a whopping .6% interest rate. If you feel like risking it,I dunno, how about Vanguard Lifestrategy Income? It's 20% equities. Or LifeStrategy Conservative ...
by ccf
Fri Sep 11, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Iron in well water
Replies: 14
Views: 1288

Re: Iron in well water

I have iron and iron bacteria with the rotten egg smell. I put one an inexpensive manganese greensand filter in front of my water softener and it has been great (https://waterfiltersofamerica.com/terminox-iron-water-filter-system. It was $800.) The only downside is the backwash has to go somewhere, ...
by ccf
Wed Sep 09, 2020 10:23 am
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 97
Views: 7971

Re: How do Bogleheads cope with FOMO? [Fear Of Missing Out]

I get fomo sometimes and I have 3 strategies 1. Think about how the amount of money that I'd be willing to gamble would be so small that even a big win would not be that exciting and would definitely not be anywhere near life changing. 2. Calculate the amount of the stock that I already own (inside ...
by ccf
Tue Sep 08, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Buying Fine Art - advice needed.....
Replies: 65
Views: 4019

Re: Buying Fine Art - advice needed.....

my 2 cents, I have no expertise at all, my perspective is only as a frugal Boglehead who would definitely be willing to spend money on a piece of art that meant a lot to me. I'd walk away unless I had a 3rd party appraiser that I could trust. Who wants to get ripped off? I'm not getting a great vibe...
by ccf
Tue Sep 08, 2020 12:15 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28417

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

sjl333 wrote: Tue Sep 08, 2020 11:35 am Long story short my dad was heavy in Nvidia back in January this year probably holding 1+ million ...
oh gosh, it wasn't just Tesla. Nvidia too.

investing in the hot stocks du jour is.... pretty risky for 5 years from retirement!
by ccf
Tue Sep 01, 2020 8:39 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 293
Views: 20046

Re: What is your age and asset allocation ?

43 years old. Married, no pensions.

70% stocks / 30% bonds

2/3rds of this in a Vanguard Target date and my international component (for my entire portfolio) is whatever Vanguard has in there.

My personal taxable is 75/25 and my overall AA adjusts itself slowly as the target date fund glides.
by ccf
Mon Aug 31, 2020 8:22 am
Forum: Personal Investments
Topic: Convincing teenager to invest in Roth
Replies: 109
Views: 5922

Re: Convincing teenager to invest in Roth

Both of my kids have summer jobs this year. I have told them that I will match contributions they make into the Roth. The older one, almost 17 male, is resistant to the idea of the Roth account. He likes the idea of investing, and wants to open a brokerage account instead. I already convinced him a...
by ccf
Thu Aug 27, 2020 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Go for the Honda 0.9% APR loan or pay cash? 35k minivan
Replies: 51
Views: 4127

Re: Go for the Honda 0.9% APR loan or pay cash? 35k minivan

Times are uncertain! I'd take the loan and if you ever want to pay it off in full, you can.

(I just paid off a Honda 0.9% loan a year early just to get rid of it)
by ccf
Wed Aug 26, 2020 12:06 pm
Forum: Investing - Theory, News & General
Topic: Buying a website online?
Replies: 11
Views: 1269

Re: Buying a website online?

siriusblack wrote: Sun Aug 23, 2020 11:24 am Yes, I was thinking more about actual sites that generate revenue, like what you might find on flippa.

FEI International is a reputable broker

https://feinternational.com/
by ccf
Mon Aug 24, 2020 10:15 am
Forum: Personal Investments
Topic: Knowing how much you own of a single stock in various mutual funds?
Replies: 12
Views: 909

Re: Knowing how much you own of a single stock in various mutual funds?

Personal Capital has such a feature if you're willing to log in with all your accounts. I don't think that it goes deeper than the "holding" level (ie. it lists VT for me) at least, I don't see a way to see now much Amazon or Tencent or whatever exposure I have... I wish it had this becau...
by ccf
Tue Jun 09, 2020 7:58 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21465

Re: Markets back near all time highs - how are you feeling and path forward ?

sailaway wrote: Fri Jun 05, 2020 6:49 pm I am bewildered, and still sticking to my IPS.
Same. If things go south, at least I'll be able to get back to the funds that I prefer to hold (after tax loss harvesting in March)
by ccf
Tue May 12, 2020 9:12 am
Forum: Investing - Theory, News & General
Topic: Ally lowers APR on savings from 1.5% to 1.25%
Replies: 79
Views: 9784

Re: Ally lowers APR on savings from 1.5% to 1.25%

Sheer laziness. I may or may not be referring to myself :wink: I'm not scolding you or trying to make you feel bad - just thowing this out there in case anyone needs to hear it: You can open an Ally No Penalty CD using funds from another Ally account in a minute or two (no exaggeration), and you ca...
by ccf
Thu Apr 09, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17972

Re: What will you do first, once COVID pandemic is over?

Visit my family, especially the new babies.

Go see some bands.

Work on some new friendships.
by ccf
Fri Apr 03, 2020 7:43 pm
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 7258

Re: Share what worked in your plan during the crisis

What worked for me - having a plan.

I am in my 40s so my plan was based on things that have happened in my investing lifetime. I stuck to it and my only regret is not making a plan for rebalancing that took both taxable and tax deferred into account.
by ccf
Sat Mar 21, 2020 6:27 pm
Forum: Investing - Theory, News & General
Topic: COVID Crash: What did you get right?
Replies: 61
Views: 2902

Re: COVID Crash: What did you get right?

My tax deferred $ is all in target date funds, which means that I don't have to think about it 8-)
by ccf
Sat Mar 21, 2020 4:43 pm
Forum: Personal Investments
Topic: I ran out of TLH partners!
Replies: 14
Views: 1027

Re: I ran out of TLH partners!

How about Fidelity Large Cap and Fidelity Zero Large Cap? Not the total market, but you were okay with the S&P 500...
by ccf
Thu Feb 20, 2020 9:47 am
Forum: Personal Investments
Topic: Anyone use Robinhood Crypto?
Replies: 5
Views: 312

Re: Anyone use Robinhood Crypto?

Sure I think that if you are playing around for the purpose of making or losing money and and aren't worried about spending your crypto or it being stuck inside Robinhood in general, it's totally fine. If you want to buy a significant amount and hold it I think I'd look at Coinbase instead. You actu...