Search found 104 matches

by UniversityEmployee9
Thu Oct 25, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Advise on term vs whole life
Replies: 31
Views: 2287

Re: Advise on term vs whole life

I just went through this....again. I talked to my advisor and keep in mind I have elementary age kids and more than 20 years of work left agewise. After running the number for term vs whole the monthly cost difference was not much but I'm in excellent health. Either way I need at least 30 yrs of co...
by UniversityEmployee9
Wed Oct 24, 2018 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7783

Re: Reaction to Market

what is the "risk reward ratio" ? i see mentioned here? Just on my Fidelity account I lost about $35K today. Since early Oct I lost $109K. I had just over $1mill. That does not include my Vanguard acct that I use for work. I was aggressive this year and planned to reallocate end of summer to be mor...
by UniversityEmployee9
Wed Oct 24, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Mint Mobile feedback
Replies: 15
Views: 1192

Re: Mint Mobile feedback

I have used it for over a year and like it. Be sure that you have decent T-Mobile coverage where you live or a phone that is capable of using Wi-Fi calling. Some people prefer using the Verizon or AT&T network via Red Pocket (search on Ebay to find annual rate deals), but you won't get Wi-Fi calling...
by UniversityEmployee9
Wed Oct 17, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1746

Re: Treasuries safe?

If China were to dump $1T in treasuries it would probably cause a global panic that would be of no benefit to them. China is heavily dependent on Western importers, they're not in a position to do anything so dramatic. Like 123 said the Treasury could buy them at a discount and not have to pay all ...
by UniversityEmployee9
Wed Oct 17, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1746

Re: Treasuries safe?

If China were to dump $1T in treasuries it would probably cause a global panic that would be of no benefit to them. China is heavily dependent on Western importers, they're not in a position to do anything so dramatic. Like 123 said the Treasury could buy them at a discount and not have to pay all ...
by UniversityEmployee9
Wed Oct 17, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: would you buy bonds or corporate bonds now?
Replies: 19
Views: 1912

Re: would you buy bonds or corporate bonds now?

Most people on this board would recommend against buying corporate bonds, I think. They carry basically the same risk as stocks. It's better to diversify your risk and buy government bonds in addition to stocks.
by UniversityEmployee9
Wed Oct 17, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1746

Re: Treasuries safe?

If China were to dump $1T in treasuries it would probably cause a global panic that would be of no benefit to them. China is heavily dependent on Western importers, they're not in a position to do anything so dramatic.
by UniversityEmployee9
Tue Oct 16, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 36
Views: 2412

Re: International Fund Down - What to do?

buy more with current income? if not.. eventually re-balance and buy more. Yes it is but I am thinking about shifting more into US Fund. At this point however is it worth moving funds or wait for things to go up. It would be a realized loss if I sell now. Don't chase performance. Is your current As...
by UniversityEmployee9
Tue Oct 16, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 36
Views: 2412

Re: International Fund Down - What to do?

Don't chase performance. Is your current Asset Allocation in line with your IPS (presuming you have one)? If not, rebalance.
by UniversityEmployee9
Mon Oct 15, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: High APY Checking
Replies: 10
Views: 1113

Re: High APY Checking

We've been very happy with Alliant Credit Union as our primary bank for years now. Currently paying 0.65% on checking and 1.90% on savings. No fees for either account. Quick ACH. Great customer service. Really solid all-around... you'll see others on here have recommended them in the past, too. Was...
by UniversityEmployee9
Fri Oct 12, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Puerto Rico all over again
Replies: 6
Views: 1334

Re: Puerto Rico all over again

Panama City hadn't been hit by a major storm in a long time, so there was a lot of older construction that wasn't built to Florida's strict new codes.
by UniversityEmployee9
Thu Oct 11, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 92
Views: 7043

Re: Anyone here major in Economics in college?

I majored in economics, minored in business, and I ended up being a software developer.

I really enjoyed the degree and I don't think it's held me back.
by UniversityEmployee9
Tue Oct 09, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10264

Re: What is your annual cost for health insurance?

$60/month for myself and our daughter for a $1350 deductible/person policy (a HDHP HSA plan), with 20% coinsurance before the deductible is met. My wife's plan from her job is nearly identical but she doesn't have to pay anything toward the premium (however, adding myself or our daughter would be so...
by UniversityEmployee9
Mon Oct 08, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6751

Re: Best headphones under 500 bucks

I paid $9.99 for mine on Amazon iirc. Just went with the "Amazon recommends" option or whatever it's called.
by UniversityEmployee9
Tue Aug 28, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Taxable account for early retirement
Replies: 18
Views: 1320

Re: Investing in Taxable account for early retirement

You could also run a scenario where you pull money out of retirement accounts early and just pay the penalties.
by UniversityEmployee9
Sun Aug 19, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 21
Views: 2350

Re: Online Banking - School Me

Currently bank with Navy Federal and happy with them. Our savings are making .25% APY (.65% APR on Money Market) and I've seen numerous threads on online banks with excellent rates. On the flip side, I was happy with my financial advisor until I found out about Bogleheads and now wish I made the sw...
by UniversityEmployee9
Tue Aug 14, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8519

Re: Retire in Florida or Alabama?

The fact that the Alabama coast is referred to as the “Redneck Riviera “ would give me pause. And if I’m not mistaken that same vibe exists in northern Florida. That name is used in a jocular and endearing way. If you think everyone there is married to their sisters then you've seen too many movies.
by UniversityEmployee9
Tue Aug 14, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8519

Re: Retire in Florida or Alabama?

I wouldn't make any decisions about where to live based on something that a climate model predicts could happen in 50-100 years. And therein lies the problem. "I don't intend to plan my retirement around what some stupid model predicts for fifty years from now." But, you see, that is almost the ent...
by UniversityEmployee9
Tue Aug 14, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8519

Re: Retire in Florida or Alabama?

Seawalls are obviously just one form of technology, you just listed a few others that are also effective and that can also be implemented incrementally. Well none of it is free. Expect taxes to go up. And if the OP's parents are retiring for the beaches, they will not protected with pumps. Agreed, ...
by UniversityEmployee9
Tue Aug 14, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8519

Re: Retire in Florida or Alabama?

My personal opinion is that due to climate change buying beach-front or beach-adjacent property anywhere in the southern half (and possibly even the northern half) of the United States is a risk not worth taking. In 20 years many of those areas will be unrecognizable. At the bare minimum the disrup...
by UniversityEmployee9
Tue Aug 14, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification ref Governmental 457b distributions
Replies: 11
Views: 794

Re: Clarification ref Governmental 457b distributions

457b withdrawals are "penalty-free", but are subject to the underlying taxation. This means that traditional (pre-tax) 457b distributions are 100% subject to ordinary income tax. Unlike a Roth IRA where there are ordering rules allowing contributions and 5+ year conversions to come out tax-free. No...
by UniversityEmployee9
Tue Aug 14, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8519

Re: Retire in Florida or Alabama?

My personal opinion is that due to climate change buying beach-front or beach-adjacent property anywhere in the southern half (and possibly even the northern half) of the United States is a risk not worth taking. In 20 years many of those areas will be unrecognizable. At the bare minimum the disrup...
by UniversityEmployee9
Tue Aug 14, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8519

Re: Retire in Florida or Alabama?

The beaches from Gulf Shores Al through the Florida panhandle are absolutely gorgeous +1 Was stationed in Pensacola with the Navy a long time ago. The "Florabama" coast has the whitest sand and warmest water. Been there recently. Pensacola may be a “sweet spot” location. Not crowded and a super nic...
by UniversityEmployee9
Mon Aug 13, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8519

Re: Retire in Florida or Alabama?

I apologize for not being more specific on reasonings for retiring in Alabama or Florida. They are looking to have a house in a beach community and are only considering Alabama or Florida. So pretty much anywhere east of Gulf Shores, and anywhere in Florida. I was hoping to understand what the fina...
by UniversityEmployee9
Sun Aug 12, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: reliable online public forum
Replies: 24
Views: 2241

Re: reliable online public forum

hello BH Which one is the most reliable, trustworthy, reputable online public forum on a general wide variety of issues, such as, health, retirement, living, business, medical, divorce, and family so on? best wishes www.nutritionfacts.org For full transparency, this website is run by an animal righ...
by UniversityEmployee9
Wed Aug 08, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Roll a govt 457b into 403b or not?
Replies: 7
Views: 476

Re: Roll a govt 457b into 403b or not?

You can take distributions from a 457b without penalties before 59.5, so long as you're separated from your employer, FYI.
by UniversityEmployee9
Wed Jul 25, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3666

Re: Intermittent Fasting

I do it and have enjoyed it. I only eat between 2pm and 8pm, so 18:6. I generally have a protein bar around 2pm and dinner around 6pm. I also do the keto diet and never really feel hungry.
by UniversityEmployee9
Tue Jul 24, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 13
Views: 1159

Re: Life Insurance

https://term4sale.com is great for comparing rates.
by UniversityEmployee9
Tue Jul 24, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best Banks 2018
Replies: 15
Views: 2230

Re: Best Banks 2018

Alliant Credit Union You can even deposit cash at partner atm locations (this is what makes it better than Ally). Its a pita to get signed up but once you do, great app and meets all criteria plus some listed above. I'll second this. The ability to deposit cash at partner credit unions has been gre...
by UniversityEmployee9
Sun Jul 22, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 28
Views: 4216

Re: Am I secure using my computer for financial services?

Another question that I have is the choice of browser when accessing financial sites. I have heard that the Chrome browser is more secure than Internet Explorer. Is this true or it just another urban legend? DMW Internet Explorer is no longer actively maintained by Microsoft beyond some basic secur...
by UniversityEmployee9
Thu Jul 19, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Somewhat odd HSA question
Replies: 5
Views: 615

Re: Somewhat odd HSA question

The $6900 is a universal, family limit, so it is not possible to max out a second account.
by UniversityEmployee9
Thu Jul 19, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1814

Re: sams club - new member

Sams doesnt sell Kale, coconut oil, chai seeds My Sam's Club not only sells all of these things, but organic varieties as well. I exclusively buy this stuff at my local Sam's. In my experience their healthy and organic offerings have exploded in the last two years. I also use the Scan and Go app an...
by UniversityEmployee9
Thu Jul 19, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1814

Re: sams club - new member

Sams doesnt sell Kale, coconut oil, chai seeds My Sam's Club not only sells all of these things, but organic varieties as well. I exclusively buy this stuff at my local Sam's. In my experience their healthy and organic offerings have exploded in the last two years. I also use the Scan and Go app an...
by UniversityEmployee9
Sun Jul 15, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: New To Being A Boglehead- Need Help With Last Index Fund!!
Replies: 6
Views: 538

Re: New To Being A Boglehead- Need Help With Last Index Fund!!

Not knowing what the rest of your portfolio looks like, it would normally be difficult to make a recommendation, however in this case I can tell you I would never invest in an index fund because I felt that a particular industry was "booming". I would never invest in an index fund focused on a parti...
by UniversityEmployee9
Wed Jul 11, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 6708

Re: Where do you keep your Emergency Fund?

Cash.
Alliant Credit Union (online credit union, similar to Ally or Capital One 360, better customer service and better rate on checking as well).
HSAs.
Roth IRAs.
by UniversityEmployee9
Wed Jul 11, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - how do I deal with emergency/savings cash in my portfolio?
Replies: 6
Views: 433

Re: Portfolio Checkup - how do I deal with emergency/savings cash in my portfolio?

Many (if not most) here would suggest that you should think of everything you own as your portfolio and set your AA accordingly, so yes the EF should be considered part of the cash/short-term allocation.
by UniversityEmployee9
Wed Jul 11, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Look Past Expense Ratios
Replies: 71
Views: 7020

Re: Larry Swedroe: Look Past Expense Ratios

Larry raised a good point that DFA Funds give you better factor exposure compared to similar Vanguard Funds. So the somewhat higher fees charged by DFA in comparison to Vanguard might be worth the higher exposure to factors. But even then, when the Stock Market is in a Growth phase, Vanguard produc...
by UniversityEmployee9
Wed Jul 11, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1691

Re: Emergency fund checkup

Roth IRAs are for retirement savings, not for parking emergency funds. Emergency funds should be kept outside so you can access them without taxes or penalties. Contributions can be withdrawn at any time, tax and penalty free. For this reason, many bogleheads actually use Roth IRAs as a part of the...
by UniversityEmployee9
Tue Jul 10, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds
Replies: 50
Views: 4070

Re: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds

Thanks for the input, Larry! Loved your most recent book. At 28, I think I found your book and advice just in time to really make a huge difference in my long term returns.
by UniversityEmployee9
Tue Jul 10, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Market Timing - A fool's game?
Replies: 27
Views: 2736

Re: Market Timing - A fool's game?

The problem is that there are very different types of market timing. The one that I think that almost everyone here agrees is that subjective, emotional driven market timing is a very poor strategy. And this is the type of market timing done by most who aren't buy-and-holders and clearly what Colli...
by UniversityEmployee9
Mon Jul 09, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds
Replies: 50
Views: 4070

Re: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds

These alternative investments are really interesting to me but how do us mere mortals get access to them? Often, a rather pricey adviser is the only option. For those of us that don't already employ the services of one, that represents another layer of added cost for this diversification. Yeah, tha...
by UniversityEmployee9
Mon Jul 09, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds
Replies: 50
Views: 4070

Re: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds

These alternative investments are really interesting to me but how do us mere mortals get access to them?
by UniversityEmployee9
Mon Jul 09, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Florida Retirement System Options
Replies: 9
Views: 753

Re: Florida Retirement System Options

Thanks everyone. I’ve thought about a target date fund but have decided against it. Mainly because they have higher expense ratios and the opportunity for growth is greater with an all stock allocation in FRS. Is this a mistake? You're young, many here on Bogleheads would say that means you should ...
by UniversityEmployee9
Mon Jul 09, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Florida Retirement System Options
Replies: 9
Views: 753

Re: Florida Retirement System Options

FYI, the FRS has target date retirement funds if that interests you.

It also has a small/mid cap fund that could be of interest if you want to tilt toward smaller companies (as many Bogleheads do).
by UniversityEmployee9
Fri Jul 06, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 3269

Re: If you tilt toward Small Cap Value, how much do you tilt?

Just curious, are you guys with significant SCV tilts lowering your equity exposure overall as well? Or are you comfortable with the higher overall volatility? I do view small-cap, and value, and emerging markets, as an additional risk; I prefer to do this while keeping a bond allocation, rather th...
by UniversityEmployee9
Wed Jul 04, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 3269

Re: If you tilt toward Small Cap Value, how much do you tilt?

Just curious, are you guys with significant SCV tilts lowering your equity exposure overall as well? Or are you comfortable with the higher overall volatility?
by UniversityEmployee9
Wed Jul 04, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Keto Diet
Replies: 16
Views: 1763

Re: Keto Diet

I've been on the keto diet for a month and I've lost ten pounds and feel great. The people who say keto is "dangerous" have usually confused the ketogenic diet with ketoacidosis, which can only occur if your blood ketone levels go above 7mmol/l while having very high blood sugar (i.e., you would ne...