Search found 466 matches

by RootSki
Fri Feb 14, 2020 8:48 am
Forum: Personal Investments
Topic: Help Me Break Free From Raymond James
Replies: 47
Views: 14566

Re: Help Me Break Free From Raymond James

I love these threads. Especially when the OP sticks around and reports back major successes! Congratulations :moneybag
by RootSki
Fri Feb 14, 2020 3:59 am
Forum: Personal Consumer Issues
Topic: What are your not free but still frugal hobbies?
Replies: 102
Views: 7630

Re: What are your not free but still frugal hobbies?

Smoking meats. A good electric smoker is <$400. Ribs, brisket, pork belly are some of the cheapest cuts of meat per pound, and you’re already spending money on food. Spices, wood chips & bbq sauce are also pretty cheap. This is a great hobby and you have to eat anyway. Including food prep, 3 racks o...
by RootSki
Thu Feb 13, 2020 5:26 pm
Forum: Investing - Theory, News & General
Topic: Challenge: Fastest way to lose money in the market?
Replies: 85
Views: 5260

Re: Challenge: Fastest way to lose money in the market?

I would sign my nemesis up with Edward Jones :twisted:
by RootSki
Thu Feb 13, 2020 5:09 pm
Forum: Personal Investments
Topic: Selling shares to buy a car? Yikes!
Replies: 47
Views: 4393

Re: Selling shares to buy a car? Yikes!

I sold $50K of mega-corp stock last year to buy a new Volvo XC60. No regrets at all. I’m way overweight in mega stocks and I LOVE my XC60 T8. I hate carrying debt around. 8-)
by RootSki
Thu Feb 13, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14149

Re: Am I crazy to consider quitting my job?

OP, If I were you, I would make the husband quit his stressful job, and you go full time. You have a stable federal job, with health insurance and pension. And your salary seems good. And they don't bug you outside working hours. But the husband is in a high stress environment, insurance costs more...
by RootSki
Thu Feb 13, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3921

Re: Yet another 2 -> 1 income thread

I contacted a realtor today. We’re moving forward with this plan. Thanks to my BH friends I’m feeling much more confident about giving my wife an early “retirement”. With taking care of a baby she will likely be working a lot harder with that than she did with her current day job. I take care of my...
by RootSki
Thu Feb 13, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3921

Re: Yet another 2 -> 1 income thread

You've done a fantastic job accumulating assets, congrats to both of you. This is an easy decision based on everything you've mentioned. Let her enjoy the time at home with your new son. You could be surprised how at much it improves YOUR career to have a SAHW. It has benefited mine greatly. That i...
by RootSki
Thu Feb 13, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3921

Re: Yet another 2 -> 1 income thread

We had almost the exact situation years ago. We had a rainbow baby late in life too. My husband enjoyed his work, but I had a meh office job. I worked for several years after my baby was born, but I wasn't happy. I left almost a decade ago and never looked back. We did not have as much saved as you...
by RootSki
Thu Feb 13, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3921

Re: Yet another 2 -> 1 income thread

Mathematically, this does not seem to be an issue as long as OP's household can live on OP's wages and let the taxable and 401k's grow (although accounting for taxes). OP may not even have a mathematical need to be in the workforce more than a few years anyhow. Living in non Philly/Pitt PA should b...
by RootSki
Thu Feb 13, 2020 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3921

Re: Yet another 2 -> 1 income thread

as9 wrote:
Thu Feb 13, 2020 9:34 am
With every piece of new information this becomes even more of a no-brainer. She should give her notice tomorrow and take advantage of the 2+ decades of hard work and saving you both put in. This is the reward.
I actually dropped a tear reading that 😅, thank you.
by RootSki
Thu Feb 13, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3921

Re: Yet another 2 -> 1 income thread

It never ceases to amaze me the number of people on this board who push for a spouse who wants to stay home with a child to look for another job or re-enter the workforce just as soon as possible due to the "what ifs." :annoyed Sometimes, the "what ifs" never happen and everything moves along just ...
by RootSki
Thu Feb 13, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3921

Re: Yet another 2 -> 1 income thread

We’re savers for sure. Our retirement and taxable accounts are in seven digits each but have a high concentration of megacorp stock. We have zero debt and live in a hcol area. If she stops working, we’d move to a lower cost area within a year and unload some stocks for TM fund. I’m nervous about be...
by RootSki
Thu Feb 13, 2020 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3921

Re: Yet another 2 -> 1 income thread

Your wife hates that somebody else is taking care of your baby but she might be miserable staying home with the baby for years. It's definitely not for everyone. See if she can take family leave for a few weeks and try it out. If you both have 7 figure retirement accounts, you guys can even retire ...
by RootSki
Thu Feb 13, 2020 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3921

Re: Yet another 2 -> 1 income thread

Dottie57 wrote:
Thu Feb 13, 2020 3:51 am
Just have money set aside for loss of your job. It needs to be larger than you have with 2 incomes.
Covered.
by RootSki
Thu Feb 13, 2020 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3921

Re: Yet another 2 -> 1 income thread

We’ve been looking at our spending monthly and yearly and we believe that my salary will cover expenses and still allow us to max out tax advantaged accounts. Our taxable accounts are seven digits. So are the retirement accounts. I just got a new car. DW will need one in 2-4 years, but I also might ...
by RootSki
Thu Feb 13, 2020 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3921

Yet another 2 -> 1 income thread

Hi Bogleheads, I’m seeking the BH collective wisdom on our families situation & decision for my DW to stop working. This should be an easy decision but we’re both struggling coming to terms with it. DW has been with her megacorp 15 years and earns about $110k/yr, great low cost 401k and ESPP. I’m at...
by RootSki
Wed Feb 12, 2020 9:41 pm
Forum: Personal Investments
Topic: Second guessing my asset allocation: Fear of missing out
Replies: 48
Views: 3548

Re: Second guessing my asset allocation: Fear of missing out

I’m going the other way. I feel like we have made a lot of money the last few years and it’s time to move some of it to a less volatile environment. Our capital gains for last year exceeded both our salaries. That was a real sign for me to sell off some equities that I bought at a low price and move...
by RootSki
Wed Feb 12, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Lifetime Warranty Strategy
Replies: 19
Views: 2141

Re: Lifetime Warranty Strategy

I recently found a vendor that offers a lifetime replacement warranty on EVERYTHING they sell, basically only excluding things that come in a can or bottle Would you mind sharing this vendor? I buy a lot of car parts for the 11 cars I watch over. Sure. FCP Euro . As the name implies, they only sell...
by RootSki
Wed Feb 12, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Expensive ink cartridge for Canon printer
Replies: 21
Views: 909

Re: Expensive ink cartridge for Canon printer

I buy the cheap stuff off Amazon and I've never had a problem with it. Even if it "ruined my printer", they are so cheap almost disposable...
by RootSki
Fri Feb 07, 2020 8:53 pm
Forum: Investing - Theory, News & General
Topic: Fidelity business model. I don’t understand.
Replies: 82
Views: 8680

Re: Fidelity business model. I don’t understand.

- every time you call fidelity, no matter the reason, they 'gently push' something. Like, would you like me to transfer you to our advisors, or would Something similar just happened to me yesterday. I was at the local Fidelity branch to drop off a 401k contribution check. I usually mail them but I ...
by RootSki
Fri Feb 07, 2020 7:51 am
Forum: Personal Investments
Topic: 2 separate FSKAX funds at different cost basis?
Replies: 5
Views: 475

Re: 2 separate FSKAX funds at different cost basis?

I hold FSAKX in 6 accounts. No worries about duplication.

Hold it as long as possible.
by RootSki
Thu Feb 06, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Where to buy bulk/junk silver coins? It's not what you think.
Replies: 56
Views: 4949

Re: Where to buy bulk/junk silver coins? It's not what you think.

I've tried local coin swap meets. Not the best prices.

Ampex and JMBullion have been better. Occasionally they run both run pretty good specials.
by RootSki
Wed Feb 05, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 181
Views: 14487

Re: Family man who misses driving a fun car

Flashing back to stock does not cause a TD1 code. There is a little bit of misinformation there. TD1 will be coded if there was a tune currently running. That does not happen when flashed back to stock. Cars sometimes get reflagged with updated software all the time so even if there was a counter o...
by RootSki
Wed Feb 05, 2020 9:11 am
Forum: Personal Consumer Issues
Topic: Kia Sedona 2nd Row Seats Removable?
Replies: 10
Views: 1984

Re: Kia Sedona 2nd Row Seats Removable?

Get the load bars (roof rack) for the roof and ratchet straps to hold the plywood down.
by RootSki
Wed Feb 05, 2020 9:08 am
Forum: Personal Consumer Issues
Topic: NJ - Buying single family home - Buy or Rent?
Replies: 15
Views: 1300

Re: NJ - Buying single family home - Buy or Rent?

Personally, I'd shy away from any town that has a train station if commuting by train isn't part of your daily travels. Maplewood is great, I lived there 20 years. Lots of parks, nice downtown, good schools. Oh and the Maplewood Community Pool. I very much miss jumping off the 10 meter diving platfo...
by RootSki
Tue Feb 04, 2020 8:48 pm
Forum: Personal Investments
Topic: RSUs about to vest. However,
Replies: 21
Views: 1977

Re: RSUs about to vest. However,

I hold the shares I get from my RSU for at least a year. I hate paying short term gains tax rates. So far I’ve been lucky and it’s worked out.
by RootSki
Tue Feb 04, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11577

Re: Would you drive without a spare tire?

My 2019 XC60 has an inflator kit, no spare. So I check my tire pressures each time I get gas. No big deal, it’s a lot of weight to carry that I’ll probably never use.
by RootSki
Tue Feb 04, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 181
Views: 14487

Re: Family man who misses driving a fun car

I would test drive a Subaru Forester XT. 2018 was the last model year for the turbocharged XT. I have one and love it. Really fun to drive. No sports car but for an SUV it’s awesome. Like night and day compared to the regular engine. Shhhhh. This is Bogleheads. Mostly everyone here is afraid of tur...
by RootSki
Tue Feb 04, 2020 12:14 pm
Forum: Personal Investments
Topic: adp 401k funds - poor choices?
Replies: 17
Views: 446

Re: adp 401k funds - poor choices?

My wife’s 401k is administered by ADP (mykplan.com). We have this account 100% Northern Trust Collective S&P 500 Index Fund that has a 0.16 ER and zero quarterly or annual administrative fees. Target date funds are 0.41 ER and the equivalent of Total Bond is 0.38 ER. Seems like there’s plenty of cho...
by RootSki
Mon Feb 03, 2020 8:31 pm
Forum: Personal Consumer Issues
Topic: Skiing Frugally
Replies: 45
Views: 4680

Re: Skiing Frugally

At Stowe, you can find peanut butter, jelly and graham crackers in the lodges for super frugal lunches.
by RootSki
Sun Feb 02, 2020 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Who would you refinance your mortgage with?
Replies: 45
Views: 4681

Re: Who would you refinance your mortgage with?

abuss368 wrote:
Sun Feb 02, 2020 1:44 pm
RootSki wrote:
Sun Feb 02, 2020 1:37 pm
I have had 4 mortgages with Quicken Loans. Painless and fast. I’m debt free now, but I’d use them again just if I was buying another home.
Does Quicken Loans sell the mortgages to another servicer?
Yes. The second was sold to Bank of America. The other 3 stayed with Quicken.
by RootSki
Sun Feb 02, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Who would you refinance your mortgage with?
Replies: 45
Views: 4681

Re: Who would you refinance your mortgage with?

I have had 4 mortgages with Quicken Loans. Painless and fast. I’m debt free now, but I’d use them again just if I was buying another home.
by RootSki
Sun Feb 02, 2020 1:35 pm
Forum: Personal Investments
Topic: Taxable Account with Fidelity: FSKAX vs VTSAX?
Replies: 41
Views: 2693

Re: Taxable Account with Fidelity: FSKAX vs VTSAX?

Do not pay $75 do hold a Vanguard fund at Fidelity. That’s very unBoglehead-ish and a waste of $75 when you can open it at Vanguard for free. That difference is tax efficiency between FSKAX & VTSAX is nominal. So is difference in expense ratios but the Fidelity fund is half the expense of Vanguard’s.
by RootSki
Sun Feb 02, 2020 1:24 pm
Forum: Investing - Theory, News & General
Topic: Badger1754 goes to a state pension fund dinner
Replies: 19
Views: 1524

Re: Badger1754 goes to a state pension fund gathering

How is this going to affect those of us who have invested carefully and do not have a public pension? What can we do to protect ourselves? You did the right thing. You won't be in as much trouble as these poor schlubs. Continue the Boglehead way. This will impact general obligation bonds aka state ...
by RootSki
Sun Feb 02, 2020 12:41 pm
Forum: Personal Investments
Topic: Do you feel less willing to contribute as retirement accounts get larger?
Replies: 57
Views: 4600

Re: Do you feel less willing to contribute as retirement accounts get larger?

No way. I’ve been investing for 20 years and I have another 20 years of working and investing ahead of me. We are fortunate enough to be able to max out everything and my wife’s 401k is just starting after-tax contributions this year. She may only have a few years of work left so we’ll start doing t...
by RootSki
Thu Jan 30, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Should we keep our new car extended warranty?
Replies: 40
Views: 2040

Re: Should we keep our new car extended warranty?

OEM Extended Warranties can save you a lot of time and money. If the dealer is submitting the claims for reimbursement then I'd keep the warranty.

Third party extended warranties are a real pain and require you to submit the claims. In this case, I'd cancel it.
by RootSki
Thu Jan 30, 2020 9:04 am
Forum: Personal Investments
Topic: Best way into Muni Money Market funds?
Replies: 9
Views: 781

Re: Best way into Muni Money Market funds?

Only you know your tax rates to know if a Muni- money market is worth it, but you can easily open an a brokerage at Vanguard, put $3,000 in the account, and turn on online access and turn off paper statements to avoid any annual account fees. For a Money Market, I would never pay transaction fees t...
by RootSki
Wed Jan 29, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 72
Views: 5742

Re: Calling Volvo and Audi owners! Reliabilty questions

You can't really compare the reliability of Geely era Volvos 10+ (though the Geely designs really didn't hit until 2015), to Ford era (1999-10), to independent era (pre 99). They are totally different mechanically between eras. That being said, I'd be wary of the Geely era Volvos if you want 200k+ ...
by RootSki
Sun Jan 26, 2020 8:58 pm
Forum: Personal Investments
Topic: Selling Appreciated RSU's / Diversifying
Replies: 2
Views: 333

Re: Selling Appreciated RSU's / Diversifying

I exercise my RSU’s as soon as the vest.

I used to hold on to them a very long time. Then I realized I’m paying more in taxes by doing so. So now I’m exercise them ASAP. I net less shares this way, but I get them at a lower cost basis, and pay less income tax.
by RootSki
Sat Jan 25, 2020 9:10 pm
Forum: Personal Investments
Topic: New Here Wondering About Possible Market Crash
Replies: 70
Views: 6582

Re: New Here Wondering About Possible Market and Social-Economic-Ecological Decline

All this is providing great food for thought and helping me rethink my investment philosophy. Thanks again for all the responses. There is one more thing I want to ask about as I (deeply) reevaluate my ideas about money and investing. I know I am risking intense responses from some, but it's import...
by RootSki
Sat Jan 25, 2020 8:10 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity or Schwab have an online community comparable to Boglehead.org?
Replies: 47
Views: 5168

Re: Does Fidelity or Schwab have an online community comparable to Boglehead.org?

I think there’s a Fidelity sub-forum over on Morningstar somewhere but it’s not very active and not focused on low-cost indexing. Probably something exists on Reddit.

All my accounts are at Fidelity, but all the knowledge is here. I’ve become good at translating V to F in my head as I read posts.
by RootSki
Sat Jan 25, 2020 3:11 pm
Forum: Personal Investments
Topic: Individual Stocks - help!
Replies: 19
Views: 968

Re: Individual Stocks - help!

Transfer the shares in kind to a brokerage that has free trading first, then sell.
by RootSki
Sat Jan 25, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 6383

Re: Subaru Outback engine stop/start

If this feature is noticeable enough that you are complaining about it - it’s the fault of the manufacturer who has implemented it poorly. Drive a Toyota Prius of any age and this feature will hardly be noticeable, even if you are paying attention. And it happens far more frequently in a hybrid lik...
by RootSki
Sat Jan 25, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Baby registry "must haves"?
Replies: 64
Views: 3326

Re: Baby registry "must haves"?

If you are gonna formula feed get a Baby Brezza. It is literally a miracle product. My wife underproduced. We struggled to pump 16oz a day. We bought two of these off Facebook Marketplace. One of the new model, one older. One upstairs, and one downstairs. The newer one is better because you don’t h...
by RootSki
Sat Jan 25, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 6383

Re: Subaru Outback engine stop/start

A friend of mine bought a 2019 Forrester last year. I asked her if I could try the start/stop system by driving around my neighborhood for a bit and then I let her drive my Volvo. Subaru's system is a little jarring at first. Volvo's must have much more dampening on the engine mounts and starter bec...
by RootSki
Fri Jan 24, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 6383

Re: Subaru Outback engine stop/start

As a lifelong manual transmission person, I am contemplating purchasing what may be the last such vehicle, I assume that this technology is NOT available on a stick? Manual transmissions are irrelevant in the era of 8 and 10 speed dct’s. They are fun and you do feel connected to the power train, fo...
by RootSki
Fri Jan 24, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: Baby registry "must haves"?
Replies: 64
Views: 3326

Re: Baby registry "must haves"?

I’ll take a false alarm over a SIDS incident any day. Not that this can prevent SIDS Haha what in the world does that mean? I strongly agree these are a bad idea for many reasons. False alarms, false negatives--baby is super sick but the owlet looks good so people don't go to the doctor, false sens...
by RootSki
Fri Jan 24, 2020 5:05 pm
Forum: Personal Consumer Issues
Topic: Baby registry "must haves"?
Replies: 64
Views: 3326

Re: Baby registry "must haves"?

Owlet Smart Sock - Baby pulse oxygen reader. https://owletcare.com/products/owlet-smart-sock I sleep really good at night with the base unit glowing green on the nightstand next to me. The occasional blue and yellow alerts are super annoying but I’ll take a false alarm over a SIDS incident any day....
by RootSki
Fri Jan 24, 2020 12:37 pm
Forum: Personal Investments
Topic: New Here Wondering About Possible Market Crash
Replies: 70
Views: 6582

Re: New Here Wondering About Possible Market Crash

One person's "CRASH" is my buying opportunity. Ymmv.