Search found 2660 matches

by PFInterest
Sat Jul 08, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Dealing with an unsigned piece of artwork
Replies: 5
Views: 898

Re: Dealing with an unsigned piece of artwork

sounds like you can spend a bunch to prove it. but if its unsigned....
by PFInterest
Sat Jul 08, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Closing Credit Cards - Advice on Oldest
Replies: 7
Views: 1081

Re: Closing Credit Cards - Advice on Oldest

imo just close the ones you dont want. i dont care what it does to my score....it will be perfect no matter what not because of years open...but how i use them.
by PFInterest
Mon Jul 03, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 23
Views: 3669

Re: Best tool/technique for grill cleaning?

Sponge. Onion. Hotter charcoal.
by PFInterest
Sun Jul 02, 2017 10:59 pm
Forum: Personal Investments
Topic: TSP and Vanguard Roth
Replies: 8
Views: 1108

Re: TSP and Vanguard Roth

I'm military (28 yrs old) so am ineligible for matching unless I change to the new retirement plan (still trying to figure that out too). So are you saying that I can max the Vanguard and still max a roth TSP? Is the $5,500 max across all roth retirement accounts? Lastly, does the Vanguard roth cou...
by PFInterest
Wed Jun 28, 2017 10:39 am
Forum: Personal Investments
Topic: Portfolio Review and Personal Financial planning - Suggestions needed
Replies: 11
Views: 1641

Re: Portfolio Review and Personal Financial planning - Suggestions needed

Pay off the car loan.
Are you phased out of doing a tIRA for you and your wife vs. rIRA?
by PFInterest
Tue Jun 27, 2017 5:08 pm
Forum: Personal Investments
Topic: Kaiser Permanente 401(k) fee question
Replies: 8
Views: 1666

Re: Kaiser Permanente 401(k) fee question

You might want to mention which Kaiser. This is not SoCal.
by PFInterest
Tue Jun 27, 2017 2:25 pm
Forum: Personal Investments
Topic: General feedback - Specific feedback about taxable path forward
Replies: 9
Views: 689

Re: General feedback - Specific feedback about taxable path forward

i dont think your tax bracket is correct based on those numbers.
by PFInterest
Tue Jun 27, 2017 2:24 pm
Forum: Personal Investments
Topic: Where Do I Begin?
Replies: 6
Views: 1119

Re: Where Do I Begin?

sounds like you will need that money to live, so wouldnt do anything yet.
by PFInterest
Tue Jun 27, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your dividends?
Replies: 16
Views: 2356

Re: Do you check your dividends?

never, and none.
by PFInterest
Tue Jun 27, 2017 1:20 pm
Forum: Personal Investments
Topic: Why do Vanguard Target Retirement funds have no REIT?
Replies: 6
Views: 1251

Re: Why do Vanguard Target Retirement funds have no REIT?

Just to be a little clearer: Form Vanguard's white paper: "Note that Vanguard does not maintain a separate allocation to real estate investment trusts (REITs) within the TDFs. However, we do include exposure to REITs as part of the U.S. and non-U.S. equity allocations at their market weight&qu...
by PFInterest
Tue Jun 27, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)
Replies: 9
Views: 1471

Re: Hypothetical Growth of Retirement Account (S&P 500 vs. Bond vs. International)

so people that saved more have more? ..... seems like a big spreadsheet to come to this conclusion.
by PFInterest
Tue Jun 27, 2017 9:14 am
Forum: Personal Investments
Topic: Ca. Muni bond funds
Replies: 12
Views: 2812

Re: Ca. Muni bond funds

you're up 4% YTD.

did something change with your long term plan?
by PFInterest
Tue Jun 27, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Best cars for multiple kids
Replies: 51
Views: 5361

Re: Best cars for multiple kids

station wagon, minivan, cargo van-esque vehicles.
by PFInterest
Tue Jun 27, 2017 9:11 am
Forum: Personal Investments
Topic: Splitting Value and Growth in taxable/non-taxable
Replies: 27
Views: 2871

Re: Splitting Value and Growth in taxable/non-taxable

my guess is no. others might say yes. i feel it might amount to a few basis points. maybe not.

mainly i dont want to pay attention to such little slice/dices.
by PFInterest
Thu Jun 22, 2017 10:53 pm
Forum: Personal Investments
Topic: Helping a Beginner Investor Create a Portfolio
Replies: 5
Views: 1071

Re: Helping a Beginner Investor Create a Portfolio

are you maxing out your 401k?
any of the large brokerages are fine.
you also dont need to nitpick a portfolio that small in terms of getting the exact ratios from the get go.
by PFInterest
Thu Jun 22, 2017 10:34 pm
Forum: Personal Investments
Topic: $14,000 inheritance wind fall
Replies: 9
Views: 2060

Re: $14,000 inheritance wind fall

just max out 401k. use 14K to continue living. pay yourself first!
by PFInterest
Thu Jun 22, 2017 10:30 pm
Forum: Personal Investments
Topic: Portfolio advice - allocating for the first time
Replies: 2
Views: 679

Re: Portfolio advice - allocating for the first time

that was long but the only thing ill mention is you dont need every account to be a mirror. its OK to fill 401k with fixed income, and leave most of stock in taxable. anything else inefficient goes in rIRA. pick the best funds in each account and build around it that way.
by PFInterest
Thu Jun 22, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 59
Views: 9533

Re: Is the new Chevy Equinox any good?

vs CRV, RAV4, or CX5? likely no. i havent seen chevy do anything recently to match those brands.
but we are just a bunch of anonymous frugally people.

can you find a consumer reports at the library (although i think even their reviews you must take with a grain of salt these days).
by PFInterest
Thu Jun 22, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 8691

Re: Good camera - new baby coming

cell phone. and fix it in post.
by PFInterest
Tue Jun 20, 2017 10:58 pm
Forum: Personal Investments
Topic: Royalties &/or Residuals: Invest?
Replies: 6
Views: 1331

Re: Royalties &/or Residuals: Invest?

sure.
by PFInterest
Tue Jun 20, 2017 9:15 pm
Forum: Personal Investments
Topic: Unsure where to start with 401k choices
Replies: 12
Views: 1568

Re: Unsure where to start with 401k choices

Vanguard institutional + one of those bond funds should be fine (whichever is more indexy...Didn't look)
by PFInterest
Tue Jun 20, 2017 5:55 pm
Forum: Personal Investments
Topic: Opinions on 401k options
Replies: 4
Views: 524

Re: Opinions on 401k options

Target fund is fine.
by PFInterest
Tue Jun 20, 2017 5:22 pm
Forum: Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 4559

Re: Asset Allocation - Help with %s

At your bracket...Why are you doing Roth 401k?
by PFInterest
Tue Jun 20, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Attention Win XP users
Replies: 20
Views: 4359

Re: Attention Win XP users

It is incredible how many ppl use XP still.... Talk about inefficiency as well as a HUGE security risk.
by PFInterest
Sun Jun 18, 2017 8:43 pm
Forum: Personal Investments
Topic: What Is The Right Amount For An Emergency Fund?
Replies: 26
Views: 5195

Re: What Is The Right Amount For An Emergency Fund?

"I do know that each person's situation is different and how much you keep depends on your circumstance."

That.
by PFInterest
Sun Jun 18, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement checkup for 38 year old
Replies: 21
Views: 4609

Re: Early retirement checkup for 38 year old

Why are you not maxing out your wife's 401k?
by PFInterest
Fri Jun 16, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Who mixes android and iOS
Replies: 24
Views: 3025

Re: Who mixes android and iOS

easy to mix and match.
i have windows, macOS, iOS, android.
all the google apps are available on iOS. only the assistant doesnt work (yet!).

yes would get the new iPad. it really is still the gold standard for tablets. should do everything you need.
by PFInterest
Fri Jun 16, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: Wealthfront ignores own advice; adds Smart-Beta
Replies: 24
Views: 8240

Re: Wealthfront ignores own advice; adds Smart-Beta

what do you mean what changed their minds? its called money.
by PFInterest
Fri Jun 16, 2017 9:29 am
Forum: Personal Investments
Topic: Amazon [stock]
Replies: 25
Views: 4040

Re: Amazon [stock]

you already missed it. move on.
by PFInterest
Fri Jun 16, 2017 9:26 am
Forum: Personal Investments
Topic: Help me fix my company's 401k plan
Replies: 12
Views: 1579

Re: Help me fix my company's 401k plan

you need a s&p500, extended market, international, and a bond fund. all indexed. thats it.
by PFInterest
Fri Jun 16, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: Market index funds are unsustainable?
Replies: 12
Views: 3418

Re: Market index funds are unsustainable?

i would argue this is not interesting.
by PFInterest
Thu Jun 15, 2017 3:08 pm
Forum: Personal Investments
Topic: Seeking Investment Advice
Replies: 6
Views: 962

Re: Seeking Investment Advice

if you havent maxed the 401k yet, do that before taxable investing.
pay off your CC and medical debt before taxable investing.
by PFInterest
Thu Jun 15, 2017 3:05 pm
Forum: Personal Investments
Topic: 23YO newbie looking for some help from the experienced!!
Replies: 8
Views: 1322

Re: 23YO newbie looking for some help from the experienced!!

"My finances are all over the place and it seems that I have no control of my money and where it's going at the end of the month."
"I still live at home [...] my Car payments $580/month [...] CC debt is in the 6500k and student loans around 6k"

work on this first.
by PFInterest
Thu Jun 15, 2017 3:01 pm
Forum: Personal Investments
Topic: Transfer providers for a 403(b) @ current job?
Replies: 3
Views: 554

Re: Transfer providers for a 403(b) @ current job?

if your current 403b has good options and accepts incoming rollovers, then yes, you can move the other 403b into it.
by PFInterest
Thu Jun 15, 2017 2:59 pm
Forum: Personal Investments
Topic: Does Vanguard's pie chart reflect mixed funds?
Replies: 5
Views: 901

Re: Does Vanguard's pie chart reflect mixed funds?

yes, it breaks it down for you.
by PFInterest
Tue Jun 13, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 6407

Re: which IPAD?

The new one. You don't need the pro.
by PFInterest
Fri Jun 09, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Getting House loan when I am still paying my car loan
Replies: 4
Views: 802

Re: Getting House loan when I am still paying my car loan

it will count against you as debt.
but otherwise no.
by PFInterest
Fri Jun 09, 2017 3:19 pm
Forum: Personal Investments
Topic: Help With Taxable Account
Replies: 3
Views: 959

Re: Help With Taxable Account

Questions: 1. Any reason to pay down the mortgage other than feeling more secure? It's locked at 3% for 14 more years. 2. All our 401k and Roth investments are with Ascensus/Vanguard brokers. Should we continue with Vanguard brokerage for taxable, or start the taxable with a more user-friendly inte...
by PFInterest
Thu Jun 08, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 5633

Re: How often do you redeem your credit card cash rewards?

Monthly. Otherwise you can't put it to use...
by PFInterest
Thu Jun 08, 2017 6:47 pm
Forum: Personal Investments
Topic: Current 401k with Huge Fees, Anything I can do?
Replies: 20
Views: 2365

Re: Current 401k with Huge Fees, Anything I can do?

start knocking on doors. those are pretty bad. but yes, just max it out because if/when you leave you will be happy you did.
by PFInterest
Thu Jun 08, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 58
Views: 12444

Re: Does anyone read the Wall Street Journal?

yes but its not for any of those things you listed.
other than Zweig and Neil, theres not much else.
by PFInterest
Tue Jun 06, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Home purchase budget advice
Replies: 20
Views: 2486

Re: Home purchase budget advice

Yes. That is 4x your income. Seems a little much.
by PFInterest
Tue Jun 06, 2017 9:38 pm
Forum: Personal Investments
Topic: Edward Jones, American Funds, Fiduciary Rule changes
Replies: 31
Views: 5822

Re: Edward Jones, American Funds, Fiduciary Rule changes

Don't let it sit. Yes move. Call vanguard.
by PFInterest
Tue Jun 06, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 9447

Re: Housing is too expensive.

Lol 625 for a 3 bdrm sounds cheap to me. Lucky you.