Search found 1475 matches

by onourway
Sat Nov 10, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Is NOW a good time to start ETF saving journey?
Replies: 13
Views: 1407

Re: Is NOW a good time to start ETF saving journey?

The most important thing is to start investing now, and continue to do so regularly ignoring what the market is doing. This way you will buy some high, buy some medium, and buy some low. Everyone wishes that they could buy everything at what, in retrospect, turned out to be the low point, but the re...
by onourway
Fri Nov 09, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 20
Views: 2495

Re: Apple - Old Product Boxes - Keep or Dispose?

I would only keep the boxes if you intend to re-sell. Highest resale values on sites like Swappa tend to include the original boxes. If you need to return an item to Apple for repair, they will send you a shipping box with custom-cut foam.

We just threw out a whole pile of them in a recent purge.
by onourway
Fri Nov 09, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Transferring $ from Vanguard Settlement Fund to Checking Account
Replies: 6
Views: 458

Re: Transferring $ from Vanguard Settlement Fund to Checking Account

I would use a standard electronic bank transfer (ACH) unless you have specific reason to use a wire. A Money Market Fund like the Settlement Fund simply acts like a savings account where you must 'purchase' and 'sell' vs. 'deposit' and 'withdraw'. Tax implications are identical - so you will only pa...
by onourway
Fri Nov 09, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7570

Re: Too many choices for my next TRUCK

I would not buy the F-250 unless you specifically need its capabilities. As mentioned, it will ride much harder than the F-150 when unloaded which is likely to be most of the time from what you describe. If I were buying a truck for regular, heavy duty hauling I might look at Ford and Chevy over Toy...
by onourway
Fri Nov 09, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Automatic withdrawal with Vanguard
Replies: 24
Views: 1876

Re: Automatic withdrawal with Vanguard

We have accounts with Vanguard, Schwab, Fidelity, TIAA, Wells Fargo, Capital One, and so on. All of these sites have their own peculiarities and I don't find Vanguard's particularly worse than any of the other ones. Some of their system is a little bit dated (mobile apps, mostly) but the core functi...
by onourway
Wed Nov 07, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6902

Re: Best deals to buy iphones

Quick update on this post, as Black Friday is coming up (btw, my wife bought a refurbished Iphone 8 so I'm now looking for only one phone). I've checked deals on iphone presented during previous black Fridays, and it seems that all the offers require to subscribe to one of the big carrier's plans t...
by onourway
Wed Nov 07, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 96
Views: 9336

Re: How much money did you receive from family? (Gifts/inheritance)

I got half of a low cost in-state tuition paid for and a very inexpensive vehicle paid for when I graduated.
by onourway
Wed Nov 07, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market vs. Bonds/CDs
Replies: 6
Views: 1116

Re: Prime Money Market vs. Bonds/CDs

Do you need to spend the money today? If not, you should strongly consider staying put because this is indeed market timing. You are selling low. The increased yields are too new for you to have seen much of their advantage, but your selling price has already been depressed. Over time you will start...
by onourway
Wed Nov 07, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10830

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

Steve, If you have this much anxiety about your finances, reading about finances all day and people who think they have figured things out is exactly the opposite of what you should be doing. You are feeding the monster. I'll echo again what others have told you earlier in this thread because it doe...
by onourway
Wed Nov 07, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Should I wait to deposit my 401k rollover check from Fidelity?
Replies: 14
Views: 884

Re: Should I wait to deposit my 401k rollover check from Fidelity?

I would get it invested again asap - so long as you are comfortable knowing what investment you want it in. Treat it as though it were in the market all along. The longer you wait the more you risk getting cold feet and waiting a really long time hoping for things to go your way which could end up b...
by onourway
Tue Nov 06, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k lackluster options
Replies: 10
Views: 549

Re: Employer 401k lackluster options

I don't see anything lackluster about this selection. You have Total US, Total International and Bond index funds from two of the best options available in Fidelity and Vanguard, and at very low expense. You don't need anything else.
by onourway
Tue Nov 06, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any real reasonable rationale as to why the Stock Market “Collapses? when…
Replies: 14
Views: 1915

Re: Is there any real reasonable rationale as to why the Stock Market “Collapses? when…

The major thing I see is that the market dislikes uncertainty. Wars and major mega-corps unveiled as pyramid schemes create an uncertain environment.
by onourway
Tue Nov 06, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3027

Re: Is Cloud-Based YNAB Worth It?

It’s great that you like it. Some of us like YNAB4, it works well, and we don’t want to pay more more often for something we don’t think works as well. What’s the point of adapting? It’s a tool. If it ain’t broke... I have zero issues if someone prefers YNAB 4. I have issues when YNAB 4 devotees po...
by onourway
Tue Nov 06, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3027

Re: Is Cloud-Based YNAB Worth It?

That old Rule 4 is dead and gone in the new online YNAB. RIP. It was also the 4th rule of 4 and the least important, and more of a goal than a rule. Something to work toward achieving, if you wanted to. (The new rule 4 "Age Your Money" is a bad/sad joke). Trust me, I know what I'm talking about. I'...
by onourway
Tue Nov 06, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3027

Re: Is Cloud-Based YNAB Worth It?

The method doesn't want you to be a month ahead. It's actually designed to help get people out of financial trouble and is optimized to that scenario, to the detriment of those who are in good shape, needing to create workarounds. The credit card functionality has nothing to do with being a month a...
by onourway
Tue Nov 06, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10830

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

Many people get famous for predicting a major market event. Once.

I'm not aware of anyone who has remained famous for predicting major market events repeatedly.

The major problem is that you can be right that the bubble should burst. But it can take years for reality to catch up with you.
by onourway
Tue Nov 06, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3027

Re: Is Cloud-Based YNAB Worth It?

That makes sense. Right now I use a spreadsheet for myself and I input salary and fixed expenses on the 1st of each month. I then know what I'll have leftover and can appropriate those funds. It's rock solid for me but a little hard to get my spouse onboard. We have looked at YNAB a couple times ov...
by onourway
Tue Nov 06, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Northwest Federal 2% APY checking account
Replies: 6
Views: 682

Re: Northwest Federal 2% APY checking account

I've come to the conclusion that collecting financial accounts is a lot like collecting anything else. A lot easier to collect than to get rid of. If you are looking for a new checking account, a good interest rate might be a good part of the consideration, but I'd far rather choose a bank for a lot...
by onourway
Tue Nov 06, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1882

Re: Buying a used car

Nissan is not on the same level as Toyota and Honda for reliability, nor for fit and finish and quality. The Pathfinder is usually near the bottom reliability-wise in its class.
by onourway
Tue Nov 06, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3027

Re: Is Cloud-Based YNAB Worth It?

I start a trial account and it wants me to budget my money to pay off the credit cards rather than count those expenses as "groceries". Am I missing something? The first month you use YNAB is the most confusing because its method wants you to be at least a month ahead so you are spending last month...
by onourway
Tue Nov 06, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3027

Re: Is Cloud-Based YNAB Worth It?

Can anyone help me understand this about YNAB - I pay off each of my credit cards in full each month. I have several cards with different bonus reward categories. I'd like to explore a budget that's easy for me to setup on my spouse's phone so we can both track it. Does this work for my situation? ...
by onourway
Tue Nov 06, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA - Question
Replies: 12
Views: 670

Re: Dependent Care FSA - Question

I see a lot of people doing a one time reimbursement ($5k at once). I do mine on a weekly basis so I have the reimbursement now in the amount of a week’s worth of daycare dues. I like to have that money now to reallocate. Is there any issue in doing this? My main issue would be having to file so fr...
by onourway
Tue Nov 06, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Need to liquidate $250K of investments
Replies: 5
Views: 959

Re: Need to liquidate $250K of investments

Quite a bit of that entry fee may qualify as a medical expense, so it's possible that there will not be any tax hit from selling the securities. Talk to the staff at the facility she is entering about how much of the up front payment is deductible as a medical expense. Can you expand on this? I'm a...
by onourway
Tue Nov 06, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA - Question
Replies: 12
Views: 670

Re: Dependent Care FSA - Question

We file for the full $5k all at once as we have that much paid in advance for childcare (and more). That amount is then withdrawn from our paycheck over the course of the year, and we receive a direct deposit to our checking account in the same amount on the same schedule. I'm not sure it'd work lik...
by onourway
Mon Nov 05, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: 80 year old wants to invest $100k to get ~$10k annually. Options?
Replies: 22
Views: 3941

Re: 80 year old wants to invest $100k to get ~$10k annually. Options?

Big mistake selling the rental... could you expand on that? i’m just curious. there is not enough info from OP post about a rental that cost 100K generating 10k per year but i dont know enough about rentals to know what you mean. we have a ~$120k rental but still owe on it. When we are retirement a...
by onourway
Mon Nov 05, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Fund in Retirement
Replies: 5
Views: 1027

Re: Wellesley Fund in Retirement

Does it suit your chosen asset allocation?

Are you familiar with the risks of active management, and the difficulty in determining the difference between temporary under-performance and a permanent turn for the worse?
by onourway
Mon Nov 05, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 122
Views: 18265

Re: Are we in trouble?

i don't understand the formula "need 20 times the income by age 65". maybe it applies to average incomes but not high incomes. I am positive we dont need 7 million to retire by 65. Income doesn't matter. Expenses do. You need about 25x annual expenses. On $370k of income with comparatively low savi...
by onourway
Mon Nov 05, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 122
Views: 18265

Re: Are we in trouble?

I would lower the Chicago property's asking price aggressively enough to sell it this month. You have $200k of positive equity to work with. Do you want to sit on this property until spring and hope for the best or sacrifice some of that equity to be done with it now? I would then try to get out of ...
by onourway
Mon Nov 05, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: How to know if you’re “On Track”?
Replies: 13
Views: 2149

Re: How to know if you’re “On Track”?

There are all sorts of ways to figure this out. The simplest method, in broad strokes, is to figure that you will need approximately 25x your expected annual expenses. If you have a solid grasp on your yearly expenses now, it should be fairly easy to determine what you need to do to get there. No co...
by onourway
Mon Nov 05, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Am I buying too much house??! What kind of mortgage?
Replies: 33
Views: 6771

Re: Am I buying too much house??! What kind of mortgage?

What does it cost to rent something similar? There are a lot of additional home-owner costs above the mortgage taxes and insurance, although on a 1300sq. ft. home at this price it won't be a major additional factor. But home-ownership is a different lifestyle that you have to be ready for. Do you wa...
by onourway
Mon Nov 05, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3027

Re: Is Cloud-Based YNAB Worth It?

If YNAB 4 is still doing what you want, I'm not sure I'd bother to upgrade. The main improvements you are going to see from cloud YNAB are the automatic importing of transactions, which doesn't work 100% of the time (but works well enough for me), and the ability to access your data from multiple lo...
by onourway
Sun Nov 04, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 4134

Re: Thoughts on the New Macbook Air?

You can also look as the need for 'dongles' as an opportunity for improvement. You can now purchase anything from an inexpensive hub, a full fledged usb-c or Thunderbolt 3 docking station, or even a new USB-c monitor and have a single cable provide data, monitor connection, plus additional usb ports...
by onourway
Sun Nov 04, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3027

Re: Is Cloud-Based YNAB Worth It?

I think it is well worth the cost. The reality is that it's not a sustainable business model to sell people software for $20-50 that they then use for 5-7 years. Can you expand on what you mean when you say you don't use their budgeting 'system?' I don't personally care too much about whether we sta...
by onourway
Sat Nov 03, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Which Prius or something else?
Replies: 25
Views: 1639

Re: Which Prius or something else?

Have you driven a Volt?

Used models are very affordable and they drive much better than a Prius. Plus you get to drive it as an EV most of the time.
by onourway
Sat Nov 03, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18617

Re: Vanguard website "unavailable during weekend of Nov 3"

I also think being a member of a STEERING COMMITTEE is not the same as being someone receiving one of presumably many "surveys". Otherwise, "Steering Committees" would be mighty large for many organizations! RM Please take up your gripes with Vanguard, rather than me personally. This is their termi...
by onourway
Sat Nov 03, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18617

Re: Vanguard website "unavailable during weekend of Nov 3"

But a single email in advance, that *would* have disturbed you? :annoyed ETA: Someone else just posted here that they didn't see any prior notice b/c they didn't log in prior to today. And there was NO NOTICE, just a "try going to the main Vanguard website" or clear cookies or whatever... :!: RM I ...
by onourway
Sat Nov 03, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18617

Re: Vanguard website "unavailable during weekend of Nov 3"

When someone's financial information will be unavailable for a weekend, with zero notice? Not everyone is a Boglehead and constantly thinking about investments, and probably checking in online frequently. And to be blunt, the fact that so many *here* were upset/concerned that the site was suddenly ...
by onourway
Sat Nov 03, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5194

Re: Are Bond Funds Really a Good Investment Now?

CD's look appealing in the short-run, but over the long haul, medium term bonds are likely to have superior returns without the hassle of managing on on-going CD ladder. Both of these are important considerations - your retirement may well be 40 years, and for the latter part of that many people wil...
by onourway
Sat Nov 03, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1817

Re: Credit card Surcharges

This would irritate me and I would tell the business owner that I'm considering taking my business elsewhere because of it. Handling cash has a cost as well. It's far easier for it to be misappropriated. Someone has to make a daily cash deposit at the bank. And so on. Accepting credit cards is well ...
by onourway
Sat Nov 03, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6118

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Agreed on the suggestion to consider the S90 and their excellent OSD program.
by onourway
Sat Nov 03, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18617

Re: Vanguard website "unavailable during weekend of Nov 3"

Vanguard asked members of the Steering Committee last week what kind of notification people would like in case of the web site being down. Given that they'd informed me for weeks via the huge banner on the top of their site, I said I thought an email was unnecessary. I have logins to hundreds of web...
by onourway
Sat Nov 03, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3481

Re: Please help me with my car decision

I was in a similar situation until recently, except our nanny used our vehicle frequently. I kept a used 4th vehicle around so that I had something to drive during the winter. I have been recently down-sizing vehicles and other possessions to try and simplify my life. In your case I don’t really see...
by onourway
Fri Nov 02, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Offsite data storage
Replies: 10
Views: 1111

Re: Offsite data storage

Amazon Glacier is $4/TB/month for storage, but then you pay again when you retrieve it - 10GB/month for free, .01/GB for standard retrieval after that.

CrashPlan Pro would be my suggestion. $10/month for unlimited storage with a good backup interface to run things automatically.
by onourway
Fri Nov 02, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 4134

Re: Thoughts on the New Macbook Air?

If you like the form factor and the price, the CPU spec is unlikely to make any difference to you. The differences between this new Air and the MacBook Pro without touchbar are very small. The Air is slightly lighter with slightly better battery life. The Pro is slightly more powerful. Either is a f...
by onourway
Thu Nov 01, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 43
Views: 5329

Re: 2019 Subaru Outback 2.5 vs 3.6

We have a 2014 Ford Escape with a 1.6 engine, we have had it loaded with landscape supplies and couple of times all the way over highway 120 to Mammoth lakes. It seemed fine getting over the Sierras. Your Escape is about the same power to weight ratio as the Outback with the 2.5, but the turbo make...
by onourway
Thu Nov 01, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11847

Re: Minimalist Lifestyle

We are certainly far from the extreme ends of minimalist, but I have definitely reversed the trend away from accumulation of things in recent years. Now the goal is to get rid of more than we bring in and try to maintain some balance. We are a family of 5 in a 1400 sq. ft. house so not a lot of room...
by onourway
Thu Nov 01, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Where should I be financially at 39?
Replies: 42
Views: 5994

Re: Where should I be financially at 39?

I don't agree with this at all, as most here would not agree either. This is too low. It's based on gross income rather than expenses, but the net result is pretty similar to saying ~25x expenses. The reality is that most people know their gross income but have no idea what their expenses are, so u...
by onourway
Thu Nov 01, 2018 4:31 am
Forum: Investing - Help with Personal Investments
Topic: Where should I be financially at 39?
Replies: 42
Views: 5994

Re: Where should I be financially at 39?

While it's tough to start thinking about retirement for the first time at age 39, it's a lot tougher when you wait until you are 60! You guys have 20+ years to catch up. It's not going to happen all at once, it's going to happen by saving a little bit at a time, every month. Try to evaluate things o...
by onourway
Wed Oct 31, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Model 3 Mid-Range or Volt
Replies: 27
Views: 2326

Re: Model 3 Mid-Range or Volt

The Volt does get the full tax credit. The credit was originally designed to maximize right at the Volt's battery capacity thanks to GM lobbying.
by onourway
Wed Oct 31, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: PRWCX (T. Rowe Price Capital Appreciation Fund)
Replies: 7
Views: 821

Re: PRWCX (T. Rowe Price Capital Appreciation Fund)

This is classic performance chasing. Yes, over previous history this is one of the funds that has performed well. But previous history is worth little in investing. What matters to you is what will be a good performing fund going forward. And that's impossible predict. However, we do know that funds...