Search found 3231 matches

by greg24
Tue Dec 11, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: High Fee 401(k) - How to Handle?
Replies: 11
Views: 670

Re: High Fee 401(k) - How to Handle?

You're smart to want as much in tax-deferred vehicles as possible. At your income level, you are avoiding a good bit of taxes by maxing your 401k. You probably won't be at the job forever. You'll be able to rollover to Vanguard (or elsewhere) if you take a new job, so you're not locking yourself int...
by greg24
Mon Dec 10, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 29
Views: 826

Re: safest downhill ski helmet

There are limitations to helmets, but you're probably safer with a helmet on than without one.
by greg24
Mon Dec 10, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs - Pension/401K/PTO Balance Payouts & Uncovered Medical
Replies: 9
Views: 465

Re: Switching Jobs - Pension/401K/PTO Balance Payouts

We DCA our Roth IRA contributions every week.

When the market is melting down, like it is now, at least those weekly purchases are a small consolation....
by greg24
Fri Dec 07, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 11911

Re: Why Retirement Is Broken And Needs To Be Reinvented

A large chunk of humans are, by their nature, selfish and greedy.

Half the population basically doesn't believe anything that our educational institutions tell them. Roughly a third to a half of our population hates math.

Why would they start listening about retirement savings?
by greg24
Thu Dec 06, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: New Member Looking to Leave Raymond James
Replies: 6
Views: 523

Re: New Member Looking to Leave Raymond James

Fidelity may offer you better customer support than Vanguard. I have all my funds at Vanguard.

Getting out of RJ is an excellent idea.
by greg24
Thu Dec 06, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 1992

Re: Should we sell farmland to coal company?

Do you want a surface coal mine 4 miles from your house?
by greg24
Thu Dec 06, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Housing values may fall as baby boomers die off or sell off, two studies say
Replies: 21
Views: 2388

Re: Housing values may fall as baby boomers die off or sell off, two studies say

I think inter-generational differences are almost always overblown. This isn't "boomers vs. millenials".

The biggest problem is buying a really expensive house and expecting to sell it for even more in the future.

Property taxes are a very big concern in the Chicago suburbs.
by greg24
Thu Dec 06, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor suggesting 90/10
Replies: 41
Views: 3060

Re: Vanguard advisor suggesting 90/10

How about the Vanguard 80/20 fund?
by greg24
Tue Dec 04, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8536
Views: 1669620

Re: U.S. stocks in freefall

RBD??
by greg24
Tue Dec 04, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1919

Re: Megacorp vs Small Company

So I had my call this morning and was very upfront. I was willing to accept the job at $XXX,XXX. THey stated we were too apart on conversation and told me if I change my mind to let them know this week. I politely said the same, if anything on their end changes to let me know as I am very intereste...
by greg24
Tue Dec 04, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Trade-off: stability for money
Replies: 8
Views: 689

Re: Trade-off: stability for money

Do you work to live, or live to work?

Your job is deciding everything about your life. How long do you want that to continue?

Can you use your experience and current salary to seek a more stable position that still pays a good wage?
by greg24
Tue Dec 04, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: What to negotiate in offers
Replies: 43
Views: 2832

Re: What to negotiate in offers

There was a person on /r/jobs recently who got a job offer for $80k and was told that was higher than they planned, but they were willing to do it for them. Here is the thread, with the original post intact. I had to use google caching as the OP deleted their OP. https://webcache.googleusercontent....
by greg24
Mon Dec 03, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1919

Re: Megacorp vs Small Company

Seems like you want to stay at your current job. If so, you should stay at your current job. That is probably the choice I'd make.

If you want the other job, tell them it will take a 30% increase to make it happen.

It is to no one's advantage to beat around the bush.
by greg24
Fri Nov 30, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: To jump or stay in current company
Replies: 14
Views: 944

Re: To jump or stay in current company

If you do stick around hoping to get downsized, maybe somehow quietly let some decision makers know you wouldn't mind being picked. I'm sure they have a hard time coming up with a full 10% to cut.
by greg24
Wed Nov 28, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3424

Re: How do value the cost of commuting?

unclescrooge wrote:
Tue Nov 27, 2018 10:04 pm
I'm very grateful for all of your responses. My eyes have been opened and disaster has been averted! :D
Great to hear! You have "enough", so you should enjoy your life. :sharebeer
by greg24
Tue Nov 27, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 4941

Re: So that's why 2-day shipping isn't what I expected!

Most of these people are probably shopping for xmas. It is November 27th, why the anger that it takes another day?
by greg24
Mon Nov 26, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 191
Views: 25167

Re: Bitcoin in Freefall

typical.investor wrote:
Mon Nov 26, 2018 6:55 am
So when you say Bitcoin, which of those do you mean?
This is one of the problems with crypto. Seems to change every week.
by greg24
Mon Nov 26, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5319

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

Vanguard's lowering of minimum investment amount on 38 index funds Admiral shares to $3,000 is seen as a response to Fidelity move. Fidelity's zero campaign has drawn enormous coverage from financial news outlets. I heard about Vanguard's response when people on this message board accidentally noti...
by greg24
Mon Nov 26, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5319

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

Vanguard's lowering of minimum investment amount on 38 index funds Admiral shares to $3,000 is seen as a response to Fidelity move. Fidelity's zero campaign has drawn enormous coverage from financial news outlets. I heard about Vanguard's response when people on this message board accidentally noti...
by greg24
Mon Nov 26, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: What to track/manage: Spending vs Saving
Replies: 10
Views: 1017

Re: What to track/manage: Spending vs Saving

You're kicking butt, and enjoying life at the same time. Congrats. :sharebeer
by greg24
Sun Nov 25, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k
Replies: 4
Views: 447

Re: Help with 401k

Most here will steer you towards index funds and low fees. These choices aren't bad: State Street S&P 500 Index Securities Lending Series Fund - Class IX 0.52 State Street S&P MidCap Index Non-Lending Series Fund - Class J 0.56 State Street Russell Small Cap Index Securities Lending Series Fund - Cl...
by greg24
Sun Nov 18, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Amazon public subsidy
Replies: 4
Views: 707

Re: Amazon public subsidy

Corporate welfare. Similar to cities building billion dollar stadiums for a sports franchise.
by greg24
Fri Nov 16, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Are gift cards for fund raising worth it?
Replies: 23
Views: 1197

Re: Are gift cards for fund raising worth it?

Calico wrote:
Fri Nov 16, 2018 12:36 pm
And I will be honest, money *is* that tight for me.
Then it sounds like the gift cards are worth it to you. :sharebeer
by greg24
Fri Nov 16, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Are gift cards for fund raising worth it?
Replies: 23
Views: 1197

Re: Are gift cards for fund raising worth it?

Sounds a lot easier to cough up a $20 or $50 cash donation.
by greg24
Thu Nov 15, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: In Grad school but work at a hotel which likely will be my career. Retirement?
Replies: 37
Views: 4485

Re: In Grad school but work at a hotel which likely will be my career. Retirement?

randydimera wrote:
Thu Nov 15, 2018 1:12 pm
Apparently they match 3% of my salary. So at 2 days a week and 10 dollars an hour I don't think that would be very good.
No matter how much you make, a 3% match increases your hourly pay by 3%.
by greg24
Wed Nov 14, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4471

Re: Does Early Retirement Make You Live Longer?

Longevity is highly correlated with wealth. Wealthy people retire young. People without money work as long as they can.
by greg24
Wed Nov 14, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7210

Re: Are you all staying the course?

Staying the course and making automatic purchases throughout the month. Steady as she goes.
by greg24
Tue Nov 13, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9944

Re: Granddaughter needs $ help for university

whodidntante wrote:
Mon Nov 12, 2018 9:17 pm
Teach music? You don't need a quarter million dollar education to earn 40 grand a year.
She is getting a quarter million dollar education for $60k.

Pretty dang nice ROI.
by greg24
Mon Nov 12, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2527

Re: Still spending too much on non-essentials

$100 a month is too much? What is your income?

Don't go beyond frugality and approach being a miser. Life is too short.
by greg24
Mon Nov 12, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Home addition vs. Buying New
Replies: 43
Views: 2766

Re: Home addition vs. Buying New

Friends of ours have a similar basement. Code would not allow them to put do a real finished basement. But they brought in a number of foam backed carpets, painted the ceiling and walls white, put up storage on the walls and shelves and desks and installed lots of protected lights. The result was a...
by greg24
Mon Nov 12, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Wanting to move my family but where to begin?
Replies: 21
Views: 2437

Re: Wanting to move my family but where to begin?

Sounds like you want to move for financial reasons, i.e. taxes.

I suggest you start educating yourself about the tax rates and tax issues with the states you are considering.
by greg24
Mon Nov 12, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Trying to move out.
Replies: 25
Views: 2007

Re: Trying to move out.

AlohaJoe wrote:
Mon Nov 12, 2018 1:22 am
Step 1: introduce the dogs. Go do that before posting/worrying/overanalyzing it anymore.
+999999999999999
by greg24
Mon Nov 12, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Stop paying on life insurance policy?
Replies: 33
Views: 2524

Re: Stop paying on life insurance policy?

Given the ROI, I'd keep it.

You also mentioned not being fully funded for college. One more reason.
by greg24
Fri Nov 09, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3103

Re: Should I reject Google drive for privacy/tracking?

If you are concerned with how Google may use your data, I would stop using Google products. Changing some settings is like sticking your finger in a dike.
by greg24
Wed Nov 07, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 112
Views: 13603

Re: Are We In A Real Estate Bubble?

Real estate is local. No bubble where I am. YMMV.
by greg24
Wed Nov 07, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5466

Re: New job concerns

When they spoke about flexibility, I doubt they meant you leaving at 4:15pm every day for the duration of your employment. You also need to be flexible. Sometimes I guess that means working until 6pm. I would agree that working until 6pm every day would be different from what you were led to believe...
by greg24
Wed Nov 07, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7635

Re: Move savings to Prime Money Market Fund (VMMXX)

You can direct deposit your paycheck into PMM.

PMM also offers checkwriting.

The yields are usually competitive with the best online accounts.

I'm always surprised at how many threads there are asking about PMM. It is a great vehicle, and I've always assumed more Bogleheads used it.
by greg24
Tue Nov 06, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10725

Re: This man can predict when bubbles burst: time to time the market?

I suffer from anxiety and I am afraid of huge losses in my investments. Taleb shows that extreme events are possible and losses in the stock market can be much higher than the bell curve predicts. So I am looking for ways to manage my anxiety in this, including by researching serious methods of ris...
by greg24
Tue Nov 06, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10725

Re: This man can predict when bubbles burst: time to time the market?

Should the clickbait title be changed to "This man THINKS he can predict..."?
by greg24
Tue Nov 06, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15013

Re: How much money are you leaving your kids after you die?

To be determined. Hopefully I won't find out for a very long time.
by greg24
Tue Nov 06, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12884

Re: Are we in trouble?

JamesSFO wrote:
Tue Nov 06, 2018 2:01 am
I think OP has not painted a very complete picture because midway through the thread a 3rd property (paid off) that they plan to retire to appeared..
Yes, the sudden appearance of a third, paid-off house in an unnamed location changes everything.

OP, what other big curve balls do you have for us?
by greg24
Mon Nov 05, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Buying a mini-van
Replies: 25
Views: 1838

Re: Buying a mini-van

I agree that a minivan is the most pragmatic choice, but you don't need to buy one just for a video system.
by greg24
Mon Nov 05, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12884

Re: Are we in trouble?

You have made some sub-optimal decisions.

But your 370k annual income and 900k savings means you are far from "in trouble".
by greg24
Mon Nov 05, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5078

Re: Are Bond Funds Really a Good Investment Now?

For instance, and I'm not being political, if the Democrats were to gain control of the Congress on Tuesday I think I would be able to foresee what the market would do afterwards. Don't you? Everyone thought they'd know how the markets would react to a surprise outcome in the 2016 presidential elec...
by greg24
Mon Nov 05, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11173

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

This thread reiterates that a college town in flyover country is the best place to live.

:sharebeer