Search found 4988 matches

by bloom2708
Wed Nov 21, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Opinion Required
Replies: 41
Views: 2412

Re: Opinion Required

Rule 1: Don't just do something. Stand there.

Rule 2: See Rule #1

:-)

If you were 90-10, maybe you are 85/15 now. Maybe 80-20 is coming up.

Moving to all cash/bonds is never a good idea with a 20+ year investing runway ahead.
by bloom2708
Tue Nov 20, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 28
Views: 1817

Re: Which cars can be unlocked and started from a smart phone?

Most new Ford models can come with FordPass.

https://owner.ford.com/fordpass.html?gn ... -aboutford

Start/lock/unlock from Smartphone. Many other features.
by bloom2708
Mon Nov 19, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Dad Nearing Retirement - Doesn't know What to do
Replies: 9
Views: 1954

Re: Dad Nearing Retirement - Doesn't know What to do

What are his annual expenses? How much debt? What is his estimated Social Security right now and at 70? He is past Medicare age, so that is covered. If he spends $28k and SS is $30k, he might be in decent shape right now. If he spends $50k, has a mortgage and SS is 24k, then that means continued wor...
by bloom2708
Mon Nov 19, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2170

Re: New Crossover Confusion.....

One income, tight budget, low down payment, kid on the way. These do not scream "new car time" to me. New and exciting ways to spend money are coming with your first child. This is not the time to double-down and buy a new $30k car. I don't care what kind it is. You can get really nice, barely used ...
by bloom2708
Thu Nov 15, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 38
Views: 4113

Re: Finally cutting cable -- is 40mbps enough for streaming services?

I don't mean to threadjack, but I've got a related question.... The other day I called the cable company to cancel TV service. Of course the CSR asked why, so I told her -- my plan was to stream Hulu. She responded by telling me that the cost of my internet service would go from $45/month to $60/mo...
by bloom2708
Thu Nov 15, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 132
Views: 7054

Re: Roth vs. Traditional 401k

Nobody on either side is willing to move on this topic. I will continue to tell people to do Pre-tax 401k + Roth IRA for 95% of the cases. Being limited to save $18,500 or $19,000 it takes a long time to get to $500k or $1,000,000 in your 401k. Trimming 22% or 24% off to purposefully pay tax because...
by bloom2708
Thu Nov 15, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 1979

Re: Mesh versus Range extender

I'll 4th Google Wi-Fi. Everyone I know with them, including myself, love them. Over the years I tried everything including internet through electrical, extenders, etc. + another 1. Personally have a 3 hub Google Wi-Fi system 2. Parents have a 1 unit 3. Wife's parents have a 2 unit 4. Oldest kid has...
by bloom2708
Thu Nov 15, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 2843

Re: Garmins & Fitbits: Worth it for non-athletes?

I don't use all the features on my Samsung GearFit 2, but it is a very informative device. Here are the things I use: 1. After 50 minutes of inactivity it tells me so and I go for a walk 2. It accurately counts my steps (no bonus steps for swinging arms only) - goal 10,000 steps each day 3. It accur...
by bloom2708
Wed Nov 14, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 49
Views: 2598

Re: Understanding the difference in cell phone OS types

If you have an iPad you already have an Apple ID. If you go Android, you will need a Google Account/Gmail account. One extra "something" to deal with. I have a Google account but not Gmail. I won't be using any new email service. Hotmail all way. I've used the Google account for Google Groups for a...
by bloom2708
Wed Nov 14, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 49
Views: 2598

Re: Understanding the difference in cell phone OS types

If you have an iPad you already have an Apple ID. If you go Android, you will need a Google Account/Gmail account. One extra "something" to deal with. iPhone is a more closed ecosystem. Android has much more variety how they are implemented on different devices. Apps and functions are virtually iden...
by bloom2708
Wed Nov 14, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Mobile cellular hotspot for low data use
Replies: 17
Views: 1168

Re: Mobil cellular hotspot for low data use

You might be better off going from Verizon/Straight Talk to Cricket. Both quality networks. What is your current Verizon monthly bill? (Sorry I initially though you were on Straight Talk, but that is just for the potential hotspot). The Cricket Wireless, Unlimited Extra plan (22GB data. $55/month wi...
by bloom2708
Tue Nov 13, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good deal for a new iPhone xr ?
Replies: 7
Views: 674

Re: Is this a good deal for a new iPhone xr ?

It seems the $300 maybe be an OK deal. There are not many deals on iPhones. You save here and pay there perhaps. These questions are tough because there are different ways to approach your cell phone bill. Are you out to maximize (by that I mean minimize) you total cost of ownership over the next 2-...
by bloom2708
Tue Nov 13, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2818

Re: Upstairs Floor is No Longer Used....

1. Only run the downstairs furnace (heat rises) in the winter 2. Only run the upstairs a/c (cold air sinks) in the summer. Unless you can seal off a level, no solution will be great. We have the ecobee3 with 3 extra sensors. I do averages based on a mix of floors. It is ok, but nothing prevents hot ...
by bloom2708
Mon Nov 12, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Is maxing out Tax defered 401(k) enough?
Replies: 49
Views: 5112

Re: Is maxing out Tax defered 401(k) enough?

Strive to fill your pre-tax 401ks, 2 Roth IRAs and HSA each year. Front or back door Roth.

Start a taxable account as salaries go up. Enough is tough. Save a bunch and have a good handle on spending.

Do this and you have a high probability of success.
by bloom2708
Thu Nov 08, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4035

Re: aerobic exercise: rower vs. treadmill and elliptical

I like rowing but we only have room for a treadmill and spin bike. The commercial Precor treadmill is a beast, but it is awesome. The spin bike is compact and a perfect compliment for change of pace workouts. If one had to go, it would be the elliptical for me. I would run/walk, bike or row over ell...
by bloom2708
Thu Nov 08, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Verizon FIOS and TV Combo
Replies: 5
Views: 405

Re: Verizon FIOS and TV Combo

If you do a speedtest.net check, what are you getting for download speed? Netflix will attempt to play at the highest possible speed (High = HD or Super HD) if you do not adjust. You log into your netflix account from your computer. Go into Account settings. In Playback Settings you can set the Max ...
by bloom2708
Thu Nov 08, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Verizon FIOS and TV Combo
Replies: 5
Views: 405

Re: Verizon FIOS and TV Combo

Is your TV connecting via a wired connection to your router or wireless to the router? What type of router do you have? How old is it? Where is it located compared to your TV location? What does the signal strength look like? If your connection speed from your laptop or phone is good, then the route...
by bloom2708
Wed Nov 07, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 751

Re: Moving TMobile account from flip phone to iPhone

Cricket Wireless should be considered an option. https://www.cricketwireless.com/cell-phone-plans Their plans scale for 4 phones (or 5) for the most savings. 4 Unlimited lines for $100 (capped data). 5 for $125 Unlimited (capped data). $30 including tax for the Unlimited/Unlimited/2GB 4G data/Unlimi...
by bloom2708
Wed Nov 07, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Christmas gift suggestions for 2.5 year old?
Replies: 20
Views: 959

Re: Christmas gift suggestions for 2.5 year old?

RollTide31457 wrote:
Wed Nov 07, 2018 11:52 am
Sit and Spin
Yes. Or find one of those popcorn popper toys where the kid pushes it around and it makes popping noises. A lot of popping noises. Fun for the kid, not so much for the adults. :wink:
by bloom2708
Wed Nov 07, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need help! 3 HVAC intstallation quotes
Replies: 24
Views: 1753

Re: Need help! 3 HVAC intstallation quotes

When you get quotes, why not compare apples to apples? At least get 2 Lennox quotes for the same system. There is a bunch of wiggle room in these systems. Or get a SEER 16 vs SEER 16 quote. or SEER 14 vs SEER 14 We have the Lennox SLP98U and 16 SEER XC16S AC unit. Multi-stage. Very quiet. I got 3 qu...
by bloom2708
Wed Nov 07, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5471

Re: New job concerns

I don't think you've been there long enough to understand if there is a cyclical nature to the work. Almost all jobs have busy periods and slower periods. You just went through a month end (last week of the previous month, first week of the next month. Are you hourly or salaried? What do you take fo...
by bloom2708
Tue Nov 06, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12900

Re: Are we in trouble?

dknightd wrote:
Tue Nov 06, 2018 7:57 pm
bloom2708 wrote:
Tue Nov 06, 2018 7:54 pm
I guess you can try to change one or both challenge points. Selling the old house and/or escaping the new mcmansion.
Honestly, I'd suggest both! But it is not my money
Exactly my thoughts. If it was me, I would poke at both ends. :o
by bloom2708
Tue Nov 06, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12900

Re: Are we in trouble?

Could the 5 month delay in construction of the new house be used to "escape" the purchase? Should that be investigated? The combination of the previous house not selling + purchase price on the new place has to be a stressful combination. Even at a high income. Getting just below $700k is a good fi...
by bloom2708
Tue Nov 06, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question/Help
Replies: 12
Views: 1061

Re: Asset Allocation Question/Help

One one hand you can take the risk of 91/9. On the other hand you don't need to take that much risk.

1 year out, comfortable pension. I'd be 50/50 or maybe 60/40.

Your 40%-50% can be Short/Intermediate Bonds and Cash/CDs.

You've won. You don't need to work one more year. You don't need 90% stocks.
by bloom2708
Tue Nov 06, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1857

Re: Buying a used car

The Highlander and RX 350 are not in the same size class. Highlander is a 3 row vehicle. I guess you could compare to the new RX 350 L with 3 rows. Is the option of 7-8 passenger seating a useful option? If not, don't pay for it with weight/size/lower mpg, etc. Really? So is a 192.5" Lexus smaller ...
by bloom2708
Tue Nov 06, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficiency in retirement
Replies: 6
Views: 1307

Re: Tax efficiency in retirement

It sounds like your Traditional IRA balance is interfering with your Back Door Roths. Getting everything into your 401k would allow you to do back door Roths again. Ideally you would like to have more in Roth as a ratio to pre-tax. My wife and I each have ~$100k in our Roths. Our incomes allow front...
by bloom2708
Tue Nov 06, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 318
Views: 21733

Re: Talk me out of buying a Tesla Model 3

We have a kid coming soon, he will never have a driver's license. Sounds like Car2Go. I think we're probably 4 years away in Minneapolis from the abandonment of personal vehicles. I hope to get a few hundred dollars for our honda at that time. The scaling of the fleets will happen faster than the c...
by bloom2708
Tue Nov 06, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Is this an OK asset re-allocation
Replies: 3
Views: 382

Re: Is this an OK asset re-allocation

I think this change is completely fine. No tax consequences.

Your Roth and/or 401k may have frequent trading stipulations but neither of these moves should cause issues.

Make sure you adjust your "new money" allocation in your 401k too so you don't keep buying REIT with the new funds going in.
by bloom2708
Tue Nov 06, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1734

Re: Need ideas for unusual gifts for preteen boy

https://www.amazon.com/GoSports-Slammo-Balls-Carrying-Rules/dp/B00K8ANYZU/ref=sr_1_6?ie=UTF8&qid=1541539811&sr=8-6&keywords=ball+net+game My nephews play this game quite a bit. Fun with 2-4 players. https://www.amazon.com/Perfect-Fitness-Pushup-Elite/dp/B008DNAJ5M/ref=sr_1_1_sspa?ie=UTF8&qid=1541539...
by bloom2708
Tue Nov 06, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Car buying: New vs. Used IF you keep it for 8+ years paying cash.
Replies: 16
Views: 2425

Re: Car buying: New vs. Used IF you keep it for 8+ years paying cash.

It might! It really should theoretically. But when I was looking for Corollas in 2014 i could not find any that were under 75k miles or under 4 years old that were not more expensive than new ones. So I bought a new one. This was looking through dealerships and CarMax, but not private sales. A new ...
by bloom2708
Tue Nov 06, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1857

Re: Buying a used car

NO need for space for 7-8 people. Never intend or for that matter want more than 4 in vehicle. Maybe spend a bit of time here: https://cars.usnews.com/cars-trucks/rankings/suvs See how they categorize the SUV options. Mid-size includes 3 row and some 2 row options. Maybe something in the Compact or...
by bloom2708
Tue Nov 06, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1857

Re: Buying a used car

Do yourself a favor and google "2015 Pathfinder issues" and then google "2015 Lexus rx issues". People give Lexus a hard time because they aren't flashy and performance oriented, but in my opinion they are among the most reliable cars on the road. Look 2-5 years old with under 45k miles. CPO is nic...
by bloom2708
Tue Nov 06, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15038

Re: How much money are you leaving your kids after you die?

Our 3 kids will get whatever we don't spend. My parents (mid 70s) are still saving. They just forgot how to spend and love to save. My dad drives a 2002 Ford Ranger with > 100k miles. Hopefully long in the future, I guess, my sister and I will benefit from their miserly ways. All the dollars have to...
by bloom2708
Tue Nov 06, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1857

Re: Buying a used car

anyone know if literature or studies done on the value on certified pre owned? The big advantage is Certified CPO usually extends the factory warranty out to (example) 7 years/100k miles. Lightly used (but still used) with a longer than factory warranty (some greatly appreciate this) and at a lower...
by bloom2708
Tue Nov 06, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Tips on alleviating caffeine withdrawal symptoms?
Replies: 18
Views: 1248

Re: Tips on alleviating caffeine withdrawal symptoms?

I find de-caf coffee has the same general flavor. Caffeine-Free Diet Coke and Diet Mountain Dew are also quite refreshing. I have a regular coffee in the AM and a de-caf cup any time after 2:00 if want a cup of coffee. I recently read a story (can't find it now of course) about how caffeine hits dif...
by bloom2708
Tue Nov 06, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12900

Re: Are we in trouble?

Could the 5 month delay in construction of the new house be used to "escape" the purchase? Should that be investigated? The combination of the previous house not selling + purchase price on the new place has to be a stressful combination. Even at a high income. Getting just below $700k is a good fir...
by bloom2708
Tue Nov 06, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1857

Re: Buying a used car

Thanks I'm leaning towards a 2015-2018 Nissan Pathfinder. I historically drive cars for 5-8 years- the additional costs in a lease aren't something I'm interested in. Based on the above what is a good rule of thumb in terms of importance of Cert Pre-Owned, low mileage, ie. do I pay more for somethi...
by bloom2708
Tue Nov 06, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1857

Re: Buying a used car

If you are not a car guy, think about it in reverse. Save some money. What is the closest car dealer to where you live? Time is money. Proximity for oil changes is money. Now you have to choose between New, CPO (Certified Previously Owned) or Used/Warranty, Used/No Warranty. You listed 2 luxury car ...
by bloom2708
Tue Nov 06, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Do older 4x4 vehicles hold higher salvage value?
Replies: 14
Views: 1240

Re: Do older 4x4 vehicles hold higher salvage value?

Thanks for the responses. That helps. On a side note, would you say most cars would retrieve at least $1k regardless of age or mileage or even condition as long as they run and are functional? Are you in the rust belt? We have many cars under $1,000 here. They have many mechanical problems, high mi...
by bloom2708
Tue Nov 06, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Trouble Understanding What I have in Vanguard
Replies: 2
Views: 578

Re: Trouble Understanding What I have in Vanguard

You should call Vanguard on the phone and talk to a real person. Call 877-308-8411 Monday through Friday 8 a.m. to 10 p.m., Eastern time I assume you created a taxable brokerage account with Vanguard. Other types of accounts would be Roth IRA, Traditional IRA. Shares/money in a taxable account can b...
by bloom2708
Mon Nov 05, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: How many eggs in one basket?
Replies: 24
Views: 2803

Re: How many eggs in one basket?

Doc wrote:
Mon Nov 05, 2018 11:50 am
If you have a dozen eggs put no more than six in one basket and don't use more than three baskets.

Why worry.
I will only worry when my portfolio at Vanguard gets to $100 million. Oops. See, I won't have to worry.
by bloom2708
Mon Nov 05, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking a balanced, aggressive portfolio
Replies: 25
Views: 1212

Re: Seeking a balanced, aggressive portfolio

S&P 500 in Roth is completely fine. It is a near-same return as Total US Stock index. Total US is a good fund. If the next 5 years, Total International beats Total US, then 5 years from now you will have regret. It is why a "Total Market" approach is tossed out there. We don't know/can't know. I hav...
by bloom2708
Mon Nov 05, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking a balanced, aggressive portfolio
Replies: 25
Views: 1212

Re: Seeking a balanced, aggressive portfolio

If you want to be "aggressive", then just own the Total US Stock market or S&P 500. They completely overlap. Assume there are only 10 companies in the stock market. Total US owns all 10 at the market cap (shares x price, sorted) S&P 5 owns 5 of the stocks (top 4 and #6) High Yield owns #4 and #7 (th...
by bloom2708
Mon Nov 05, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance or not
Replies: 13
Views: 677

Re: Refinance or not

Let it ride. A lot can happen in 3 years.

You will owe less in 3 years. Even if it adjusted one time, it wouldn't be the worst result.
by bloom2708
Mon Nov 05, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Am I buying too much house??! What kind of mortgage?
Replies: 33
Views: 6723

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

Thanks everyone for your input! It seems like the general consensus is that until my personal life is settled, I should continue renting. I have felt this way for the last few years and If I continue with this mentality, I might never be a homeowner :confused But I do trust the boglehead's advice a...
by bloom2708
Mon Nov 05, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Bond alternative to balance portfolio?
Replies: 25
Views: 2259

Re: Bond alternative to balance portfolio?

Define "not comfortable". "Bonds" is very broad. Short-Term and Intermediate-Term Bond funds (like Total US Bond) still do exactly what they are intended to do. When bond rates were falling to close to 0%, the NAV was inching up because new bonds paid less interest. Now the NAV of existing bonds is ...
by bloom2708
Mon Nov 05, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: One Fund Portfolio
Replies: 8
Views: 1340

Re: One Fund Portfolio

In the tax-advantaged accounts consider Vanguard Balanced Index Fund Admiral Shares (VBIAX), 60/40 asset allocation. In the taxable account consider Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX), 50/50 asset allocation. Or LifeStrategy Conservative Growth (40/60) in tax-advantaged + Van...
by bloom2708
Mon Nov 05, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Questions
Replies: 7
Views: 991

Re: Home Purchase Questions

Seems reasonable. The Federal and/or Prime money markets seem reasonable this close to buying and needing the cash. I would put down 50% and go with a 15 year mortgage. You can also put down "enough" to make the payment be a comfortable amount. That might be 60% or 62%. I like the 15 year option as ...
by bloom2708
Mon Nov 05, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Am I buying too much house??! What kind of mortgage?
Replies: 33
Views: 6723

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

You'll have to determine if +$3,500 more each month will buy you a move up on the happiness scale. Single/no kids, I would not be in a hurry. Things change. Fast. The monthly payment is just the tip of the iceberg with home ownership. You can afford it, but do you want to? If you feel like your "lif...
by bloom2708
Mon Nov 05, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Do my late December portfolio plans make sense?
Replies: 3
Views: 418

Re: Do my late December portfolio plans make sense?

The general thought with "all your bonds in 401ks if possible" is that your portfolio is one entity. Pre-tax 401k is awesome, but you are deferring the tax to down the road. If you have your bonds in 401k, they grow slower than stocks. But, you still have enough bonds for your risk tolerance, age, n...