Search found 77 matches

by Norsky19
Tue Jan 21, 2020 12:24 am
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 109
Views: 7215

Re: If you could only listen to one podcast...

The Tom Woods Show
by Norsky19
Wed Jan 15, 2020 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Pay Down Mortgage? Is Interest Really 4%
Replies: 31
Views: 4202

Re: Pay Down Mortgage? Is Interest Really 4%

What about the tax write off savings of making mortgage payments? Doesn't this also factor in the equation?
by Norsky19
Mon Oct 07, 2019 6:06 am
Forum: Personal Investments
Topic: Capital Group-American Funds.....
Replies: 16
Views: 1271

Re: Capital Group-American Funds.....

American funds target dates have actually out performed vanguards over the 3 5 and 10yr. They are low cost compared to most active managers, however, her plan is being offered most likely by a FInancial Advisor so there is probly 1/2 to 3/4 % fee built into the fund expense ratio so maybe contribut...
by Norsky19
Sat Oct 05, 2019 3:30 am
Forum: Investing - Theory, News & General
Topic: If you use Vanguard (Brokerage), why do you stay?
Replies: 58
Views: 6987

Re: If you use Vanguard (Brokerage), why do you stay?

If I do trade, it's with Vanguard ETF's which are free anyway.....

Mostly enjoy the consolidated page. I have the brokerage to buy with taxable investments.
by Norsky19
Sat Oct 05, 2019 3:28 am
Forum: Personal Investments
Topic: Capital Group-American Funds.....
Replies: 16
Views: 1271

Re: Capital Group-American Funds.....

Yikes!

I also like the "American Mutual Fund" along with the Growth.....
Still wish the company was with Vanguard though.....
by Norsky19
Sat Oct 05, 2019 3:07 am
Forum: Personal Investments
Topic: Capital Group-American Funds.....
Replies: 16
Views: 1271

Re: Capital Group-American Funds.....

Thanks! I'm wondering if the Target date funds from American are in her 401k.....hope she gets back to me soon so I can provide y'all with better info! Target date funds usually aren’t the best option for actively managed funds, because the fund company throws in a bunch of less popular, underperfo...
by Norsky19
Sat Oct 05, 2019 3:04 am
Forum: Personal Investments
Topic: Capital Group-American Funds.....
Replies: 16
Views: 1271

Re: Capital Group-American Funds.....

This is her new employer: https://wildfire-defense.com/index.html Pretty cool concept. Still looking for a benefits tab.... :)
by Norsky19
Sat Oct 05, 2019 3:00 am
Forum: Personal Investments
Topic: Capital Group-American Funds.....
Replies: 16
Views: 1271

Re: Capital Group-American Funds.....

Thanks! I'm wondering if the Target date funds from American are in her 401k.....hope she gets back to me soon so I can provide y'all with better info!
by Norsky19
Sat Oct 05, 2019 2:21 am
Forum: Personal Investments
Topic: Capital Group-American Funds.....
Replies: 16
Views: 1271

Capital Group-American Funds.....

Hello All, My daughter just got a job...the company uses American Funds in their 401k. She has no other investments and is 26 years old. No home just renting. No car payments and no debt. She asked me to help her pick a fund. I'm a Vanguard indexer and am having trouble picking. Tough part right now...
by Norsky19
Sat Oct 05, 2019 2:07 am
Forum: Personal Consumer Issues
Topic: Camper Trailers
Replies: 17
Views: 2432

Re: Camper Trailers

by Norsky19
Thu Jun 27, 2019 5:07 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 9457

Re: Dave Ramsey now says to give up employer 401K match to pay down debt

wilshuer wrote:
Wed Jun 26, 2019 9:21 am
I believe he's said many times it isn't necessarily the math, but the attitude for the reason he states that. Gain the momentum to see debt balances decrease and encourage to continue the payoff process.
Math trumps emotion....unless we're talking about new math :shock:
by Norsky19
Sat Jun 01, 2019 5:34 am
Forum: Investing - Theory, News & General
Topic: Roth IRA contributions in retirement....
Replies: 3
Views: 430

Re: Roth IRA contributions in retirement....

Thanks!
Bummer :(

Taxable it is.....
by Norsky19
Sat Jun 01, 2019 3:57 am
Forum: Investing - Theory, News & General
Topic: Roth IRA contributions in retirement....
Replies: 3
Views: 430

Roth IRA contributions in retirement....

Question: If I take lets say 120,000 for a year out of my portfolio in retirement and find that I have a significant amount leftover, can I then invest 7000 back into my Roth IRA and invest the difference in a taxable account? Once RMD's kick in and I don't spend it all for example.....

Thanks!
by Norsky19
Sat May 25, 2019 1:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 9129

Re: Vanguard issues 10-year forecast for stock, bond market returns

I predict the market will fall between 0%- 20% over the next decade.....give or take.
by Norsky19
Sat May 25, 2019 1:36 am
Forum: Investing - Theory, News & General
Topic: VEIGX [Vanguard Global ESG Select Stock Fund]
Replies: 10
Views: 1860

VEIGX [Vanguard Global ESG Select Stock Fund]

Any thoughts on this new offering from Vanguard? Investing in environmental conscience companies....
by Norsky19
Tue May 07, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: Which US city would you move to?
Replies: 74
Views: 8083

Re: Which US city would you move to?

Boise is nice. A lot going on and a university town....
by Norsky19
Tue May 07, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: Winter Tires All Year?
Replies: 62
Views: 4600

Re: Winter Tires All Year?

Spare no expense when it comes to tires, steering and brakes. All three can be life or death scenarios.....if you forget to change your oil and your engine blows up, you steer safely to the side of they road and lament your foolishness. If you need to violently swerve or brake hard in the summer wit...
by Norsky19
Mon Mar 04, 2019 5:51 am
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9829

Re: Why do you live where you live?

Born and raised in Montana....but it's gotten so expensive and is colder than Hades...just never left because of family. I love to ski but Spring is awful, just more Winter without skiing since the Forest Service makes the ski hills close for bear habitat etc. I hate humidity so I would consider mov...
by Norsky19
Mon Mar 04, 2019 5:44 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 171575

Re: Boglehead Beer

Favorites:
Cold Smoke from Kettlehouse Brewery in Missoula (scotch ale)
Moosedrool from Big Sky Brewing in Missoula (brown ale)
Summer Honey- Big Sky Brewing- Missoula (golden ale)
by Norsky19
Mon Mar 04, 2019 4:45 am
Forum: Personal Consumer Issues
Topic: Thinking of Buying a Watch - Recommendations?
Replies: 74
Views: 5539

Re: Thinking of Buying a Watch - Recommendations?

I love nice watches, won't spend a ton, but will spend too much: I love Raymond Weil and Edox watches. Mid range and high quality. Still privately owned and not taken over by swatch or others..... Edox Chronoffshore and Raymond Weil Chronograph https://www.jomashop.com/raymond-weil-watch-7740-sc1-20...
by Norsky19
Tue Feb 26, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 76
Views: 7590

Re: Swimming, do you? Advice sought.

Here's a thought, Swimming really well is efficient. Therefore, to burn the calories and get the workout you are looking for, it will require a lot more laps to get the job done. If you are a competent swimmer and somewhat inefficient with your strokes, you will swim less and burn more calories! I ...
by Norsky19
Tue Feb 26, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 76
Views: 7590

Re: Swimming, do you? Advice sought.

Here's a thought, Swimming really well is efficient. Therefore, to burn the calories and get the workout you are looking for, it will require a lot more laps to get the job done. If you are a competent swimmer and somewhat inefficient with your strokes, you will swim less and burn more calories! I t...
by Norsky19
Wed Jan 30, 2019 4:43 am
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 5323

Re: What was your first Vanguard fund or ETF?

samsdad wrote:
Sat Jan 26, 2019 5:58 pm
VTSMX (total stock market)
same
by Norsky19
Wed Jan 23, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 15495

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Due to health, I have not travelled in several years. Recently upgraded my passport, TSA Precheck, Travel ID, etc. ("newbie" ready to ride/fly). Now packing for an upcoming trip, I've found that my assortment of travel pants have "shrunk" in storage. (that must be it) :shock: Thus, I am on the hunt...
by Norsky19
Wed Jan 16, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19334

Re: Are You Dumping Netflix?

Has anyone tried YouTube TV?
by Norsky19
Sat Jan 12, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 242
Views: 14692

Re: Disciplined with finances, but not so with diet

Any bogleheads any diet wisdom? I've always been disciplined with saving money but can't seem to apply the same discipline to my diet. I have tried weight watchers, Jenny Craig, beach body, keto, my fitness pal...I lack discipline and get hungry. Just this week I decided to start eating the same th...
by Norsky19
Sat Jan 12, 2019 7:07 am
Forum: Personal Investments
Topic: IRA Contributions AFTER 70 1/2 years of age??
Replies: 18
Views: 2958

Re: IRA Contributions AFTER 70 1/2 years of age??

Maybe a dumb question....or rather a dumb person asking a question :wink: : If you are retired and took lets say 100,000 out of your 401k or IRA, and at the end of the year you ended up with leftover money, can you take said money and reinvest it in a Roth IRA? Is your retirement considered "earned"...
by Norsky19
Wed Dec 05, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2766

Re: Looking for a nice travel watch... recommendations?

Edox Chronoffshore. Awesome watch!
by Norsky19
Sat Dec 01, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2897

Re: Guy's Western US Ski Trip - suggestions?

Stay away from Big Sky....overrated. Locals are upset since they hire from overseas...not willing to hire local kids. Jackson Hole is great with amazing steeps. Targhee is also really fun..other side of the mountains from Jackson. Prices are more competitive as well.
by Norsky19
Mon Sep 10, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate IRA....
Replies: 4
Views: 297

Re: Real Estate IRA....

I figured it was too good to be true.... Glad I posted on this forum for the answer....searched and searched the web to no avail. Anyway, appreciate all your help!! I figured I have 18% return on my investment after realtor fees/taxes etc., so pretty pleased regardless. (quick math) 385,000 asking p...
by Norsky19
Mon Sep 10, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate IRA....
Replies: 4
Views: 297

Real Estate IRA....

Hello Bogleheads, Question: I am about to close on a sale. I bought land 2.5 years ago for 189,000 and am about to sell it for 385,000. My cousin said she heard about real estate IRA's and that she believes that we can put the profits of the sale into a rIRA and avoid the capital gains taxes. Is thi...
by Norsky19
Mon Sep 03, 2018 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 is it official?
Replies: 62
Views: 15625

Re: Rule of 55 is it official?

Question: I have a sizable Pension plan and a 401k with my company. If I roll the pension over to the 401k does the pension lump sum also fall under the rule of 55 even though it was only recently added to the 401k upon termination? I understand that I must leave the money in the company 401k etc, j...
by Norsky19
Sun Aug 19, 2018 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 191
Views: 30928

Re: Teachers Who Have Net Worth of $1 million +

According to my Mint acct: 2,400,000 Net worth.

Teaching overseas for the last 25 years and taking advantage of the foreign income tax exclusion and maxing out every account possible. Indexing and taxable accounts on top of it all. :)
by Norsky19
Wed Feb 21, 2018 5:49 am
Forum: Personal Investments
Topic: Roth IRA and Roth 401k contributions....
Replies: 5
Views: 810

Re: Roth IRA and Roth 401k contributions....

Thanks All, I figured you couldn't contribute because of the exclusion...just wanted more ammo when discussing it with the wife....and no, she isn't giving financial advice, just refers people to tax experts. You can't believe how many emails she gets from employees asking about investing. She alway...
by Norsky19
Tue Feb 20, 2018 1:20 am
Forum: Personal Investments
Topic: Roth IRA and Roth 401k contributions....
Replies: 5
Views: 810

Roth IRA and Roth 401k contributions....

My wife got this email from an employee (she's in HR)....and she can't find the answer. Anyone have an answer? We are employees in Saudi Arabia and have a 401k with Vanguard. American. "Hi Dawn, I am currently maxing out my ROTH IRA contributions and my ROTH 401K contributions in the same calendar y...
by Norsky19
Sat Aug 26, 2017 12:14 pm
Forum: Personal Investments
Topic: Which Vanguard bond fund for taxable account?
Replies: 18
Views: 6221

Re: Which Vanguard bond fund for taxable account?

Great thanks! I sent them the snapshot of both funds.....waiting to hear back. :) I think they will appreciate the "bottom line"....they only had annuities and had no idea about mutual funds. Folks lived pay check to pay check much of their lives until retirement.
by Norsky19
Sat Aug 26, 2017 12:23 am
Forum: Personal Investments
Topic: Which Vanguard bond fund for taxable account?
Replies: 18
Views: 6221

Re: Which Vanguard bond fund for taxable account?

My parents are in the 15/25 bracket....mom said her returns showed she paid 19%. They want to put the Target Date Income Fund in a taxable for liquidity but growth potential. They are both 73 years old. The bonds in the Income fund are Total Bond etc, not usually recommended for taxable...but in thi...
by Norsky19
Sat May 20, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 4888

Re: What goes in your smoothie?

1.5 scoops of Amplified Whey-Chocolate (42 grams protein)
1/3 can of Coconut Milk
teaspoon of Cinnamon
1heaping tablespoon of PB Fit peanut butter powder
5 ice cubes
Ice water to desired texture

Tastes like a Reese's Peanut Butter cup and an Almond joy combined. Coconut milk makes it awesome. :D
by Norsky19
Tue Mar 21, 2017 4:52 am
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 23
Views: 2893

Re: Northern Lights cruise, Norway, March 2018

I would also make the Lofoten Islands a must see while up North. Amazing.

https://www.visitnorway.com/places-to-g ... n-islands/

Norsky
by Norsky19
Mon Oct 31, 2016 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve.....
Replies: 1
Views: 674

Chase Sapphire Reserve.....

A whole bunch of folks are applying for this card.....I work overseas and travel a ton. This looks better than AmEx Platinum and others. Billed as the best travel card. https://creditcards.chase.com/a1/sapphire/reserve

Thoughts? Any bogleheads gonna get this card?

Norsky
by Norsky19
Tue Oct 04, 2016 6:22 am
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 11334

Re: Vitamix Worth It?

Have one since 3 years and still use it practically everyday. It was a great investment. Morning smoothies, Indian cooking (idli/dosa mix), nut butters, soups, bread (with dry container), etc. I've never used the Ninja to compare, but I believe I've gotten full worth from my Vitamix. Agreed. I make...
by Norsky19
Tue Oct 04, 2016 12:51 am
Forum: Personal Finance (Not Investing)
Topic: paydown strategy for mortgage
Replies: 43
Views: 5844

Re: paydown strategy for mortgage

Not to hijack, But I have a similar question. I have a 5 year, 5.5% balloon loan from a credit union. I am hoping to pay off the entire loan before the balloon is due. I have had people question why I want to pay it off...they think I should just pay the minimum payment and in 5 years refinance the ...
by Norsky19
Fri Sep 23, 2016 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Investing in individual stocks not risky enuff? try this
Replies: 1
Views: 823

Re: Investing in individual stocks not risky enuff? try this

I have been getting recommendations from Mint about CircleUp lately as well..... Sounds like a similar concept to Lending Club. Lending club lets you make loans as if you are a banker and CircleUp lets you be a Venture Capitalist I guess.... I also would love to know if anyone would invest in this. ...
by Norsky19
Wed Sep 21, 2016 12:34 am
Forum: Personal Investments
Topic: Vanguard Tax-Exempt Bond ETF.....
Replies: 6
Views: 1396

Re: Vanguard Tax-Exempt Bond ETF.....

Thanks all,

My dad is a retired teacher, has some annuity income along with SS. If he invested in a mutual fund vs an ETF, would he have to continue to contribute monthly vs a one time lump sum investment?

How would you all compare and contrast ibonds vs tax exempt bond funds/ETF's?

Danke!
by Norsky19
Tue Sep 20, 2016 6:21 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 51187

Re: The Bogleheads' "100 Things Worth Every Penny" List

1. A lift ticket at Bridger Bowl 2. Pork Knuckle in Krakow 3. Gellato in Rome 4. Drinking a Franziskaner on top of the Zugspitze 5. Balloon ride in Cappidocia 6. Climbing Half Dome in Yosemite 7. Seafood buffet at Rio Casino in Vegas 8. A field goal attempt returned for a touchdown 9. Plunge pool ov...
by Norsky19
Tue Sep 20, 2016 5:03 am
Forum: Personal Investments
Topic: Vanguard Tax-Exempt Bond ETF.....
Replies: 6
Views: 1396

Vanguard Tax-Exempt Bond ETF.....

a good investment outside a tax sheltered account? I'm asking for my dad who is 71, wants some returns but fairly low risk. He has 15,000 to invest in a lump. Any better options?

Thoughts?

Danke!
by Norsky19
Sat Sep 03, 2016 5:33 am
Forum: Personal Investments
Topic: Vanguard Target Retirement fund - ETF equivalent?
Replies: 8
Views: 1556

Re: Vanguard Target Retirement fund - ETF equivalent?

You could purchase Vanguard ETFs for Total Stock (VTI), Total International (VXUS) and Total Bond (BND) and just do the adjustment for asset allocation every few months or every year yourself. How do you do that? If you buy or sell portions of the ETF's, don't they incur trading costs? I created a ...