Search found 4789 matches

by bloom2708
Thu Oct 04, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: New at Roth IRA-Investment Help
Replies: 9
Views: 723

Re: New at Roth IRA-Investment Help

Thank you for the info! Switching sometime soon is something I will look into and possibly do. Based on my employer's offerings, I think I will look into creating a 403b account with Fidelity for bond allocation (Fidelity I think is the best of the 3 providers, the others being TIAA and VALIC). I c...
by bloom2708
Thu Oct 04, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14462

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

If you want to test the weather put Fargo, ND on your list. :o Lots of good jobs and low unemployment. Our weather makes Iowa seem like the deep south. Ha ha. Fargo is a great town with lots of jobs, high standard of living, but you will be in for a major cultural and weather shock, coming from Cal...
by bloom2708
Thu Oct 04, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma
Replies: 26
Views: 2188

Re: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma

Throw the Costco Visa in the mix for gas purchases if you have one close by. 4% on gas up to $7,000 (Or is it $6,000?). That is on top of the fact that gas (in our area) is 20 cents less than other gas stations. I think you still get 2% on top with the Costco Executive membership that is 2% on all p...
by bloom2708
Thu Oct 04, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: New at Roth IRA-Investment Help
Replies: 9
Views: 723

Re: New at Roth IRA-Investment Help

If you are paying any loads or sales charges, it is too much. At Vanguard, there are no trade fees, sales loads or any other charges to purchase their Mutual Funds and ETFs. The same would be true at Fidelity. If you are interested in Vanguard funds like the Total International fund, then moving you...
by bloom2708
Wed Oct 03, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Invest 10 Million Portfolio at 40 without income
Replies: 56
Views: 8705

Re: Best way to Invest 10 Million Portfolio at 40 without income

Use the time between now and "inheritance time" to bolster your knowledge. Spending time here and posting will do that. It will take time to read threads and hear various opinions on risk and return and ability and need to take risk. Can you be 90/10? Sure. Do you need to be? No, certainly not. With...
by bloom2708
Wed Oct 03, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation question: How to include farm rental income in my model?
Replies: 4
Views: 294

Re: Asset allocation question: How to include farm rental income in my model?

The land and the income themselves are not part of your mix of stocks/bonds/cash. When you receive this year's $20k check, that cash can now be part of your asset allocation. The land is a fixed asset. The income is just like your paycheck. Future income is realized when you have the cash in hand. Y...
by bloom2708
Wed Oct 03, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation over time and space
Replies: 2
Views: 299

Re: Asset allocation over time and space

Were you investing in late 2007 through 2009? Many investors weren't investing at that point. The whole point of Bogleheads is to get people to not do what you are trying to do. Yes, some do it with 5% of their cash for fun. The sooner you figure out to just not do it, the better off you will be. Al...
by bloom2708
Wed Oct 03, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 15
Views: 1490

Re: Portfolio Review - Seeking Better Simplification

Only simplifying taxable will have immediate tax consequences. Note your long/short term gains and losses. IRA, Roth IRA, 401k. Simplfy. I would sell any fund with an expense ratio over .2%. No reason to pay more than that. Taxable: US and International stocks 401k/Traditional IRA: All your bond fun...
by bloom2708
Wed Oct 03, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: New at Roth IRA-Investment Help
Replies: 9
Views: 723

Re: New at Roth IRA-Investment Help

Welcome. Where did you open your Roth IRA at? Vanguard, Fidelity, Schwab, T Rowe, etc? Most firms offer Total Market funds for US stocks, International stocks and US Bonds. Which index fund did you use? You want very low expense ratio. No transaction fees or additional costs. If you don't get those,...
by bloom2708
Wed Oct 03, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: A simple moving average timing model using stocks and treasuries
Replies: 36
Views: 2063

Re: A simple moving average timing model using stocks and treasuries

Boglehead philosopy:

#5 Never try to time the market.

Fine to throw ideas out. In theory they might work. In practice, just keep on staying the course.
by bloom2708
Wed Oct 03, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14462

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

If you want to test the weather put Fargo, ND on your list. :o Lots of good jobs and low unemployment. Our weather makes Iowa seem like the deep south. Ha ha. Fargo is a great town with lots of jobs, high standard of living, but you will be in for a major cultural and weather shock, coming from Cal...
by bloom2708
Wed Oct 03, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Pay off debt or invest?
Replies: 14
Views: 1237

Re: Pay off debt or invest?

Congrats on the windfall. Personally, I would be "debt free" tomorrow. Pay off the mortgage and student loans. Set a goal to stay debt free. That leaves you with $120k left. That is $5,500 for 2019 Roth IRA in January. If you are married, another $5,500 for your spouse for 2019. Use some for the bat...
by bloom2708
Tue Oct 02, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Landlord wants to raise rent, but is asking if he can?
Replies: 54
Views: 5502

Re: Landlord wants to raise rent, but is asking if he can?

How about a compromise. Hold pat this year. 2.5% next year. :wink:

Unusual that he asks, but nice is nice.
by bloom2708
Tue Oct 02, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Help
Replies: 9
Views: 448

Re: New Investor Help

Thanks, that is definitely good information. I'll read it a few more times to make sure I really understand. And Flyer24, yes I meant 2018 and 2019. I guess the way I've always looked at it, with a Roth, I pay the tax now, but don't pay tax again on those dollars and also don't pay tax on the gains...
by bloom2708
Tue Oct 02, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: 2018 Ford Edge
Replies: 31
Views: 2368

Re: 2018 Ford Edge

If you liked the Explorer, you should test drive a Ford Flex for comparison. If you can get past the shape, the Flex rides much more car like. Longer wheel base. Interior space is similar but feels a bit roomier due to the interior design and Flex shape. You might also get a better deal on a Flex. Y...
by bloom2708
Tue Oct 02, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14462

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Do some pre-visits. Probably in January/February. :shock: Iowa weather will punch you in the face coming from So CA. :wink: Iowa would be the biggest change. Texas heat/humidity. NC heat/humidity in the summers. Weather isn't the only factor obviously. Moving 3 kids has its own consequences. What is...
by bloom2708
Tue Oct 02, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Help
Replies: 9
Views: 448

Re: New Investor Help

Interesting. So you think he should be maxing out a pre-tax 401K first before any Roth savings. My thought was that he’s in a lower tax bracket now and lives in Texas, so no state income tax. I figure the way the government is spending, there’s probably no way tax rates will ever go down. I guess y...
by bloom2708
Tue Oct 02, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Shopping for All Inclusive Vacations
Replies: 6
Views: 1077

Re: Shopping for All Inclusive Vacations

Are you a Costco member?

Costco Travel has some interesting options. Prices vary depending on how luxurious you want to go. Might be worth checking them out.
by bloom2708
Tue Oct 02, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Entering Late In Life
Replies: 21
Views: 2329

Re: Entering Late In Life

Thank you for responding and thank you for the sound advise. My thought; I just cant see throwing money away in rent. The housing market in Anchorage to buy is so far out of my reach, homes start at 250k plus. Anchorage has limited space for building new homes, condos seem to be the alternative for...
by bloom2708
Tue Oct 02, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to retire early, what should I do?
Replies: 19
Views: 1494

Re: Trying to retire early, what should I do?

I probably should have included this above but I am at a significant savings rate with 2000 to taxable, 450 to Roth IRA, and another ~140 to 403b. Why 403b vs 403b Roth? Why Max 403b? It seems expensive based on the fees (Something like .5-.7% + Fund fee) I max my Roth IRA at the start of each year...
by bloom2708
Tue Oct 02, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Help
Replies: 9
Views: 448

Re: New Investor Help

Most likely he should prioritize Pre-tax 401k and Roth IRA each year. Use the immediate tax savings (deferring to 30+ years down the road) to fund Roth IRA contributions each year. Fund the 2018 Roth IRA now. Fund the 2019 Roth IRA in early January. He could live off some of the taxable savings to b...
by bloom2708
Tue Oct 02, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to retire early, what should I do?
Replies: 19
Views: 1494

Re: Trying to retire early, what should I do?

Goals: Max your pre-tax 403b every year. $18,500. Match does not count/is a bonus Max your Roth IRA every year. $5,500 Max your HSA (if available): $3,450 this year Consider taxable/post-tax savings after those items above. Saving 10% won't cut it. 30%, 40%, 50% are where you can make some big moves...
by bloom2708
Tue Oct 02, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Help with Employer Salary deferral Plan
Replies: 3
Views: 454

Re: Help with Employer Salary deferral Plan

We will likely need more information. Is the $50 transaction fee for each purchase? How many times do you get paid? If 2x per month, then that is $1,200 in fees for 24 purchases. That equates to a 6.4% fee on $18,500 (full pre-tax to 401k/403b). Not good. $1,200 each year that doesn't stay in your a...
by bloom2708
Tue Oct 02, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Feeling wobbly
Replies: 14
Views: 1458

Re: Feeling wobbly

I would not change anything. Some people value tilt, some don't. He has to give you a recommendation even if it's a bad one/mediocre advice/nothing to change. That's what you pay him for. It will make him look stupid if he said "nope, you are good, you pay me for nothing hahaha". Take whatever he s...
by bloom2708
Tue Oct 02, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Entering Late In Life
Replies: 21
Views: 2329

Re: Entering Late In Life

Welcome. I cannot recommend buying a condo and cashing out your 403b and using your $45k CD. It just does not make sense to transfer all your wealth into a condo. The condo may or may not appreciate over the next years. It is unlikely to go up much more than inflation. Then you have buying and selli...
by bloom2708
Mon Oct 01, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: New Snowbird- Tucson AZ
Replies: 21
Views: 3312

Re: New Snowbird- Tucson AZ

Expand area?

Between Phoenix and Tuscon? Mesa?

How about Anthem? NW corner of Phoenix. On the way to Sedona, Grand Canyon.
by bloom2708
Mon Oct 01, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Single in dream house but is it time to move on?
Replies: 13
Views: 2339

Re: Single in dream house but is it time to move on?

Single. You answer only to yourself in this scenario. I can only put myself in your shoes. I would sell. Would $1 million and a nice rental allow you to retire a few years early? Or $700k and a nice $300k condo? I would trade that for a view most any day. You had your "dream home". Checked the box f...
by bloom2708
Mon Oct 01, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Cut back on 401k contribution to build HSA?
Replies: 11
Views: 822

Re: Cut back on 401k contribution to build HSA?

I can use a Traditional dollar or Roth dollar to live on or pay a medical bill. I can only use an HSA dollar for a medical bill (or pay a penalty). HSA is fantastic if you are maxing pre-tax 401k and Roth each year. It would be $2,000 from employer + $5,000 of your cash money. Can you use HSA at 65...
by bloom2708
Mon Oct 01, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Help me manage my day to day bills to save more!!
Replies: 45
Views: 3553

Re: Help me manage my day to day bills to save more!!

Do either of you have a pre-tax 401k/403b available to invest in? $200 to Roth/month is not going to cut it over the long term. You could save pre-tax and pay less tax now (defer to 20, 30 years down the road) and end up with a bigger paycheck and still save more. If you enjoy the pool, it isn't bre...
by bloom2708
Mon Oct 01, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9246

Re: Suze Orman - "I hate the FIRE movement."

A deca-millionaire telling the "troops" that earned her all her millions to never retire. :shock: :o

Not everyone will be willing/able to FIRE early. But, it sure doesn't hurt to have another path to take. I do not want to work on my "last day". :annoyed
by bloom2708
Mon Oct 01, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Cut back on 401k contribution to build HSA?
Replies: 11
Views: 822

Re: Cut back on 401k contribution to build HSA?

So I should contribute the full 7,000 to HSA next year? Opinions will vary. I would rather have a pre-tax 401k dollar or a Roth dollar than an HSA dollar. IF you cannot do all 3. I can use a Traditional dollar or Roth dollar to live on or pay a medical bill. I can only use an HSA dollar for a medic...
by bloom2708
Mon Oct 01, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Cut back on 401k contribution to build HSA?
Replies: 11
Views: 822

Re: Cut back on 401k contribution to build HSA?

I would not decrease pre-tax 401k contributions to fund your HSA (beyond the $2k matched). I would also not skip your Roth IRA in favor of HSA. Yes, it is triple tax-advantaged, but it is narrow in its use (medical expenses). Note the HSA contribution limits for 2019: Single: $3,500 Family: $7,000 E...
by bloom2708
Mon Oct 01, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Car rebates/incentives
Replies: 21
Views: 1389

Re: Car rebates/incentives

GM is advertising 14% of MSRP on the Acadia model in my area. Traverse near twin. As mentioned, it is supply/demand. There is no reason to discount/incentivize when a model is selling and they can't keep them on the lot. Quirkier models (Equinox) may not ever be hot sellers and may have "deals" thro...
by bloom2708
Mon Oct 01, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Why is Home Part of NW [Net Worth]
Replies: 98
Views: 6759

Re: Why is Home Part of NW

since net worth is a meaningless figure, why does it matter? Far from meaningless. If your stock/bond portfolio is growing but your net worth is not, you are doing something wrong. Borrowing too much, spending too much, buying too many depreciation assets. If you have $1 million in stocks, bonds, c...
by bloom2708
Sun Sep 30, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Balance Living Life & Savings
Replies: 17
Views: 2115

Re: Balance Living Life & Savings

You have $800k + $200k now for your next house. How much house are you buying? Why so much house? With the higher income you should be doing 2x $5,500 in back door Roth. With lower income you can do direct Roth x 2 x $5,500 each year. Sacrificing retirement for too much house is something we help pe...
by bloom2708
Sat Sep 29, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Costco vision / first time at Costco
Replies: 21
Views: 1880

Re: Costco vision / first time at Costco

Costco Vision services are what you would expect. Quality (decent) at a reasonable price. Their vision test tech is below par. I go to an optometrist and get my eye exam done. Then I look at glasses (don't buy) and get a copy of my prescription for my records. Costco was able to put new lenses in my...
by bloom2708
Fri Sep 28, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Overly diversified - consolidate ?
Replies: 7
Views: 751

Re: Overly diversified - consolidate ?

What type of account/accounts are your 8 funds in?

If all in one account, you probably don't need 8. Is Total Mid cap an actual fund?

The last 3 (Total Mid, Wellesley and Windsor) are all covered by Total US, Total International and Total US Bond.
by bloom2708
Fri Sep 28, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5522

Re: Geico umbrella us dropping me. What can I do?

Is Geico backing you up on this rear-end accident? I know it is complicated, but if they rear-ended you, they are at fault. Vehicle control. Now, if someone hit them and they in turn hit you, then it is different. People are sue happy. They are at fault and sue in hopes of bait/switching and taking ...
by bloom2708
Fri Sep 28, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: cell phone plans--google fi?
Replies: 22
Views: 1933

Re: cell phone plans--google fi?

If Verizon is in a bad spot for coverage, what are the chances that T-Mobile/Sprint will be good in your area? Not very. There is no good reason to go with a plan that rewards you for using 0, low or very low data. A $35/month plan on Cricket with 5GB of 4G data and unlimited capped data makes more ...
by bloom2708
Fri Sep 28, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Schwab or Fidelity - choosing for kid's new 529?
Replies: 16
Views: 666

Re: Schwab or Fidelity - choosing for kid's new 529?

+1 for using a savings account or money market for kids learning about savings. You should put money in their 529. Does your state have a 529 plan? You don't typically go to Vanguard and Fidelity and open a 529 like a Roth IRA or Brokerage account. You join a state sponsored 529 plan (doesn't have t...
by bloom2708
Thu Sep 27, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: 2018 Ford Edge
Replies: 31
Views: 2368

Re: 2018 Ford Edge

We had a 2008 Ford Edge. Fantastic vehicle. Smooth ride, reasonable gas mileage. Good space for a mid-size SUV. I would have no trouble buying a Ford Edge. I might move up and get an SEL. The base SE will have pretty good features, but it will be pretty spartan. We also have a 2013 Ford Flex and a 2...
by bloom2708
Wed Sep 26, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: School Loan debt vs
Replies: 15
Views: 1231

Re: School Loan debt vs

You should list the interest rates. Have you considered refinancing with So-Fi or other consolidators? I would not buy a house with a house sized set of student loans. You need a decent Emergency Fund. You need 20% down for a down payment. You need cash for closing costs/updates/furniture and fillin...
by bloom2708
Wed Sep 26, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Is TYD’s low trading volume a big problem?
Replies: 10
Views: 653

Re: Is TYD’s low trading volume a big problem?

I can't help you with what you are trying to do. I do not think a bid/ask spread of .93% is reasonable. You may not get any replies, because your "plan" is the exact opposite of what one might try to do after spending some time here. Buy the Total US Bond index and Total World or Total US and Total ...
by bloom2708
Wed Sep 26, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 14
Views: 2425

Re: Car predicament

Not a bankruptcy scenario.

Buy a used engine (check eBay and local salvage yards). A 2012 Forte should still be in good shape body-wise.

Ah, the joys of cars.
by bloom2708
Wed Sep 26, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4360

Re: Anyone ever tired of managing hair and consider shaving to go bald

Get a $20 clipper set. Try #2. If too long, try #1. If too short, try #3. I've been "cutting" my own hair for years. $20 saved each time and I can do it whenever I want. I personally detest shaving my face. I usually just trim it back with a beard trimmer a couple times a week. I can't imagine shavi...
by bloom2708
Wed Sep 26, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Novice question
Replies: 11
Views: 1217

Re: Novice question

Congratulations on your sale and windfall. You are in the right place for advice. Go slow. You are in the position to both take a bit of risk or not take much risk. A fund like the Vanguard Tax-Managed balanced fund (47 stocks/53 bonds) might be a good option. One fund solution. Consider a number of...
by bloom2708
Wed Sep 26, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6526

Re: My Very First Smartphone — Please Critique This Plan

I second the recommendation for Cricket. AT&T service is very good in most places and if you become a data user their unlimited plans are nice and cheap. The family plan is especially good. I believe it's $100 or $110 for 4 unlimited phones off the top of my head. They do throttle the data speed, b...
by bloom2708
Tue Sep 25, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: Other Portfolios that aren't 3 fund
Replies: 31
Views: 3328

Re: Other Portfolios that aren't 3 fund

Symbol Name Expense Ratio Category BIZD VanEck Vectors BDC Income ETF 9.67% Financials Equities BDRY Breakwave Dry Bulk Shipping ETF 3.50% Commodities VMIN REX VolMAXX Short VIX Futures Strategy ETF 3.46% Inverse Volatility You could do an "inverse" 3 fund. Use 3 of the highest expense ratio ETFs ou...
by bloom2708
Tue Sep 25, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6526

Re: My Very First Smartphone — Please Critique This Plan

Now, even before the phone arrives, I have *tons* of questions. I'll be starting at Square 1 for things like: deleting/disabling unwanted Samsung apps; finding and loading useful apps; options for email; capabilities of email syncing with my desktop; malware protection; data use management; etc. So...
by bloom2708
Tue Sep 25, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3371

Re: How to buy a mattress

You will have lots of choices. You do not need to spend $1,500 or $2,000 to get a quality bed. There are numerous "bed in a box" manufacturers that allow you to try out a bed. Shipping and returns may not always be the easiest. Brooklyn Bedding Casper Purple Leesa Saatva Nectar Tuft & Needle etc. et...