Search found 1035 matches

by angelescrest
Sun Oct 06, 2019 6:03 pm
Forum: Personal Investments
Topic: Taxable investment account for college?
Replies: 114
Views: 6972

Re: Taxable investment account for college?

I would keep the money in the brokerage account and fund a 529 account with new money. That is assuming you are putting away enough money for retirement. Your retirement is more important then your children's college fund. Definitely agree with saving for retirement first. I don't think, though, th...
by angelescrest
Sun Oct 06, 2019 3:33 pm
Forum: Personal Investments
Topic: Taxable investment account for college?
Replies: 114
Views: 6972

Re: Taxable investment account for college?

I would keep the money in the brokerage account and fund a 529 account with new money. That is assuming you are putting away enough money for retirement. Your retirement is more important then your children's college fund. Definitely agree with saving for retirement first. I don't think, though, th...
by angelescrest
Sun Oct 06, 2019 9:43 am
Forum: Personal Investments
Topic: Taxable investment account for college?
Replies: 114
Views: 6972

Taxable investment account for college?

I have about $90,000 in a taxable investment account. About 18k is in cash and 72k are in blue chip stocks. $29,000 in gains at this point. The cash is from some equities I sold off in the past year or two. The stocks have done ok but I recognize it affects how diversified I am. The rest of my retir...
by angelescrest
Sat Oct 05, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4781

Re: Mouse in the house

I use a glue gun and glue dog food to the trap. Peanut butter they can lick right off. This way they pull on it, and bam. I researched heavily and went with Victor snap traps. I’ve got a half dozen around my garage now, after having a major infestation. Caught only two but since I also cleaned out t...
by angelescrest
Thu Sep 26, 2019 10:59 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 10096

Re: Beyond Meat Burger? Do you like?

This is not a short term fad. Major meat companies like Tyson are making significant strategic investments in meatless foods. Restaurant chains are making lots of money off this. There seem to be a wide variety of different patties made by Beyond, and Impossible, no? I’ve tried a number at different...
by angelescrest
Thu Sep 26, 2019 10:39 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 10096

Re: Beyond Meat Burger? Do you like?

JMacDonald wrote:
Thu Aug 01, 2019 10:09 am
I try to avoid eating meat. I had a taco with Beyond Meat at Del Taco when it was first offered. I didn't care for it and won't order it again. Also the ingredients don't seem to be very healthy.
Del Taco...did you expect any of the ingredients would be healthy? :oops:
by angelescrest
Thu Sep 26, 2019 10:08 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 284
Views: 35382

Re: What is your AA, given your age? and, Why?

Age 72, retired with pension and wife has SS. AA is 30/70. Pretty conservative, but we have no reason to assume much risk. As long as we beat inflation by a few points, we're happy. Pension and SS take care of all the bills with some left over. Wouldn’t the opposite be true? If pension and SS cover...
by angelescrest
Thu Sep 26, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Suggestions for good leather shoe?
Replies: 43
Views: 4720

Re: Suggestions for good leather shoe?

arengarajsug88 wrote:
Thu Sep 26, 2019 3:33 pm


3. Any idea about DSW shoes? Are they a good brand, and do they sell good leather shoes?
DSW is a retailer, they don’t make shoes.
by angelescrest
Thu Sep 26, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Suggestions for good leather shoe?
Replies: 43
Views: 4720

Re: Suggestions for good leather shoe?

Yes, definitely Allen Edmonds seconds. Go right now to shoebank.com, and search the inventory. Then call the outlet store that has that shoe, and place an order. You won’t find a better quality hand crafted shoe for the money. Now as far as which model to get...well, that’s another matter entirely.
by angelescrest
Tue Sep 17, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Can I transfer part of a Solo 401(k)?
Replies: 17
Views: 1194

Re: Can I transfer part of a Solo 401(k)?

So if your business has to close down, what is required of your solo 401k? You have to roll it over to a personal IRA (one certainly wouldn’t want to withdraw)?
by angelescrest
Thu Aug 29, 2019 7:22 pm
Forum: Personal Investments
Topic: FIRE Drawdown Plan
Replies: 62
Views: 7143

Re: FIRE Drawdown Plan

Hi all. I'm looking into going the FIRE route with a target number of 700-800k and a planned 4% SWR. Planning to move abroad to a LCOL area. Currently have about 250 in Traditional IRA in Vanguard Target Date Fund 2040. Will likely move this. Have about 15 in Google/Apple. Have about 95 in differen...
by angelescrest
Sat Aug 24, 2019 12:57 pm
Forum: Personal Investments
Topic: Age 92 Dad Wants to Boost stocks
Replies: 71
Views: 12618

Re: Age 92 Dad Wants to Boost stocks

letsgobobby wrote:
Sun Nov 13, 2016 2:19 am

Physicians have both confirmation bias and sample bias to watch for.
This.
by angelescrest
Tue Aug 20, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: How to remove security system in new home?
Replies: 18
Views: 1153

Re: How to remove security system in new home?

Thanks for the replies thus far. I'm leaning towards bringing in an electrician, and maybe adding a doorbell video camera (since it appears to already be wired).
by angelescrest
Tue Aug 20, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: How to remove security system in new home?
Replies: 18
Views: 1153

Re: How to remove security system in new home?

There was one in my house when I moved in. I arranged with the monitoring company, which all these years later I guess may have been the installation company, to remove it. I plan on living here until I croak, and I didn't want a bunch of unnecessary wires, etc. around. That was the issue in my ori...
by angelescrest
Tue Aug 20, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3670

Re: Battery powered lawn mower

mmmodem wrote:
Tue Aug 20, 2019 6:31 am
ponyboy wrote:
Mon Aug 19, 2019 6:04 pm
When my mower runs out of fuel, takes less than 60 seconds to top off. Seems like a clear winner to me.
Way too long. Takes me 5 seconds to swap out the battery. :beer
Yeah, you also need to keep getting gas at the pump station.
by angelescrest
Tue Aug 20, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3670

Re: Battery powered lawn mower

We have mower in very cold conditions in Michigan to the hottest temps in Texas without issue. But during the off season I make sure to store the batteries between 50-80% as all lithium ions should be stored. I also don’t keep them in the garage where temps are not always favorable. I have heard th...
by angelescrest
Tue Aug 20, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: How to remove security system in new home?
Replies: 18
Views: 1153

How to remove security system in new home?

We purchased a newish home and it has a Hawk security system installed in it. There's a panel, possibly a video doorbell, and every so often it makes noise. I called the company, and unsurprisingly, they could give me no instructions on how to remove it and just wanted to sign me up on an expensive ...
by angelescrest
Mon Aug 19, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3670

Re: Battery powered lawn mower

We have mower in very cold conditions in Michigan to the hottest temps in Texas without issue. But during the off season I make sure to store the batteries between 50-80% as all lithium ions should be stored. I also don’t keep them in the garage where temps are not always favorable. I have heard th...
by angelescrest
Mon Aug 19, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Breach: What to Do if SSN Compromised
Replies: 8
Views: 1118

Re: Capital One Breach: What to Do if SSN Compromised

FWIW, I think you should assume your SSN has been breached before this. At least I do. So I have taken the step to do a freeze with all of the credit bureaus, which was an inconvenience when buying a home this summer, but nonetheless it wasn’t too bad. I will maintain this practice probably forever.
by angelescrest
Mon Aug 19, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3670

Re: Battery powered lawn mower

I have the Ego 7.5 amp 21” mower. Been using it for 2 years now. I’ve only run into 1 issue. If the grass is tall and wet, even just from dew, it can get overloaded and unable to cut. I’d still recommend it over gas. I have a 0.25 acre lot and I can do front and back on 1 charge. This is my third s...
by angelescrest
Sun Aug 18, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3670

Re: Battery powered lawn mower

Telling us more about your lawn would help, like the size. But I’ve also used an Ego for many years and it is simply one of the best products of any kind I have ever owned. I highly recommend it. I’d also suggest having at least 2 batteries.
by angelescrest
Tue Aug 13, 2019 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should I bother with solo 401k?
Replies: 8
Views: 452

Re: Should I bother with solo 401k?

In many states, don’t 401k plans also receive the greatest protections? Something to consider.
by angelescrest
Thu May 16, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Finance and it’s lenders (Consumer Direct)
Replies: 24
Views: 3875

Re: Costco Finance and it’s lenders (Consumer Direct)

At this point, I've only got two concerns left. First, since our current house will take some time to sell (rural area), I would be putting 10% down on the new home. The lenders are saying they can "recast" the loan after I sell my house, and put the equity into the new home. Apparently this is pret...
by angelescrest
Tue May 14, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Finance and it’s lenders (Consumer Direct)
Replies: 24
Views: 3875

Re: Costco Finance and it’s lenders (Consumer Direct)

Just refinanced through the JG Wentworth through the costco website. Paid only $275 in loan costs with the most competitive rates. The other closing costs were the normal title insurance, credit reports and prepaid escrow. The title company sent a notary to my house to complete the paperwork, and h...
by angelescrest
Tue May 14, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Finance and it’s lenders (Consumer Direct)
Replies: 24
Views: 3875

Re: Costco Finance and it’s lenders (Consumer Direct)

I used a Costco partner to fiance my mortage and it was a great experience. Even accounting for the fact that I had to purchase my costco membership, the closing costs were ~1500 all in with a 4.5% rate which was the best anyone had offered me without points. Their "broker fees" were actually negat...
by angelescrest
Mon May 13, 2019 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Costco Finance and it’s lenders (Consumer Direct)
Replies: 24
Views: 3875

Re: Costco Finance and it’s lenders (Consumer Direct)

Ouch! Yeah, I am not feeling like I trust the 3.99 that was quoted to me today. It turns out my credit scores (they take the middle of the three, which was 733) is just under the Excellent level, unfortunately, but the other established brick & mortar lender offered me 4.375. Does that sound like a...
by angelescrest
Sun May 12, 2019 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Costco Finance and it’s lenders (Consumer Direct)
Replies: 24
Views: 3875

Re: Costco Finance and it’s lenders (Consumer Direct)

So, I used a Costco lender and had a terrible experience and Costco did NOT help. In 2011, I bought an investment property/condo. It was a short sale (first and second mortgage outstanding) and, it follows, there were a lot of related hassles in closing. I received ~4 GFE from various lenders (3 no...
by angelescrest
Sat May 11, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Finance and it’s lenders (Consumer Direct)
Replies: 24
Views: 3875

Costco Finance and it’s lenders (Consumer Direct)

I saw that Costco does mortgage loans through various lenders they partner with. I was working with a brick and mortar lender, with about $5700 in closing costs and a 4.375 rate. After talking to consumer direct, they basically said I could do 3.99 through them with $3700 at closing. Sounds too good...
by angelescrest
Sat May 11, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Best way to kill poison ivy
Replies: 43
Views: 2498

Re: Best way to kill poison ivy

I keep on top of it by pulling out any baby plants as soon as I see them. They mostly come in our yard via bird droppings below our oak tree. But I pull them out by hand at the root, one of the easiest plants to pull ever, if I have a plastic glove or otherwise I wrap it with a loose oak leaf and pu...
by angelescrest
Tue Apr 23, 2019 6:26 am
Forum: Personal Investments
Topic: One time deposit to HSA
Replies: 13
Views: 1115

Re: One time deposit to HSA

Thank you kindly, Mr. Grabiner, for your reply!
by angelescrest
Tue Apr 23, 2019 6:25 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1318
Views: 178820

Re: Post your Financial Milestone Announcements Here

I was enjoying reading these posts yesterday and today, and generally do not like paying so close attention to my portfolio so as not to feel like we are doing so well, which helps me save. Admittedly, I am always a little envious of all the posts, considering we have always had a pretty meager inco...
by angelescrest
Mon Apr 22, 2019 6:46 am
Forum: Personal Investments
Topic: One time deposit to HSA
Replies: 13
Views: 1115

Re: One time deposit to HSA

So if I'm looking at that worksheet correctly, it's basically prorated per month you are eligible? So if July 1 is the start date for a new job (and thus new health plan), then that's six months of an HSA. Totaling $3500 in contributions for 2019 for a family HSA?
by angelescrest
Mon Apr 22, 2019 6:02 am
Forum: Personal Investments
Topic: One time deposit to HSA
Replies: 13
Views: 1115

One time deposit to HSA

I am changing my health care plan this summer through a job change. I’ll be moving from a high deductible plan with an HSA to a more standard plan without an HSA. I’ll have contributed a little over $3000 to the HSA come July. Can I make a one time contribution to the HSA, getting to the $7000 limit...
by angelescrest
Mon Mar 11, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage for the next home in TX
Replies: 16
Views: 1647

Re: Choosing a mortgage for the next home in TX

If I really wanted to be able to pay off a mortgage in 23 years, I would take out a 30 year loan and then invest the equivalent of the extra payments necessary in the same AA as my retirement account. This gives a lot of flexibility. If you get to the end of 23 years and still want to pay off the l...
by angelescrest
Mon Mar 11, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage for the next home in TX
Replies: 16
Views: 1647

Re: Choosing a mortgage for the next home in TX

If I really wanted to be able to pay off a mortgage in 23 years, I would take out a 30 year loan and then invest the equivalent of the extra payments necessary in the same AA as my retirement account. This gives a lot of flexibility. If you get to the end of 23 years and still want to pay off the l...
by angelescrest
Mon Mar 11, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage for the next home in TX
Replies: 16
Views: 1647

Re: Choosing a mortgage for the next home in TX

Our current effective state income tax rate is somewhere around 4% (ballpark paid around $4,000 in state taxes for 2018 after taking some capital gains), and our property taxes are around 1.3%.
by angelescrest
Sun Mar 10, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage for the next home in TX
Replies: 16
Views: 1647

Re: Choosing a mortgage for the next home in TX

We would definitely put down 20%. I think we are leaning toward just getting a 30 year, and paying extra to have it simulate a 23-year schedule. Just wondering how common this is, or if people usually just stick to the different terms of the new mortgage they get when changing homes. Still getting u...
by angelescrest
Sat Mar 09, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage for the next home in TX
Replies: 16
Views: 1647

Re: Choosing a mortgage for the next home in TX

You can do some long range planning to see what term fits. Two examples on the timing of payoff: 1. When oldest child starts college. 2. Your retirement date. And a variation of the above, such as getting a 30 year loan to set a low payment, but making additional principal payments in the interim y...
by angelescrest
Sat Mar 09, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage for the next home in TX
Replies: 16
Views: 1647

Choosing a mortgage for the next home in TX

This feels like a simple question to post, but I haven’t read much about how people think about choosing the right mortgage terms when buying their next home. We have had a 30 year mortgage for 6 1/2 years, so getting close to 23 years left on it. We have paid down just over $20,000 on the balance. ...
by angelescrest
Sat Mar 09, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: When were you able to max out your 401k, IRAs?
Replies: 69
Views: 5727

Re: When were you able to max out your 401k, IRAs?

It have always felt that the Boglehead "maxing out your retirement accounts" mantra from many quarters is a useless metric. There are many circumstances where it is overkill and many circumstances where it is woefully insufficient. This BH obsession on it is counter-productive and places unnecessar...
by angelescrest
Sat Feb 23, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Help plan [Machu Picchu], Sacred Valley trip
Replies: 27
Views: 2730

Re: Help plan [Machu Picchu], Sacred Valley trip

Op here. At first glance I’d say the middle of your itinerary sounds tiring. Having the first day to rest in Lima is a good move, and I would recommend just taking it easy. Any driving around Lima can be exhausting and time consuming with all the traffic, so I wouldn’t try to do a lot that day. I’d ...
by angelescrest
Thu Feb 07, 2019 8:02 pm
Forum: Personal Investments
Topic: What’s the Best HSA out there?
Replies: 17
Views: 2381

Re: What’s the Best HSA out there?

I’m considering Lively or the new Fidelity HSA. I have most of my investment accounts through TDAmeritrade, and want to move my credit union housed HSA. If I go with Lively, does that mean I can link my accounts up to and login through the TDA web interface? Or do I have to do everything through the...
by angelescrest
Sun Jan 20, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Son moving to Denver from California
Replies: 47
Views: 3710

Re: Son moving to Denver from California

An irony about the Midwest is I read an article that states most (like 75%) of Upper Midwest drivers don't bother to mount winter tires as such ever. That would be Minnesota, Wisconsin, and Michigan. Interesting. Growing up in Alaska, nearly 100% of people put studded tires on for the winter. If yo...
by angelescrest
Sun Sep 30, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Data Visualization—skill or career?
Replies: 9
Views: 1332

Re: Data Visualization—skill or career?

These are some incredibly informative posts. Thank you so much. In my world of digital media and new media, it’s how the tools help me make creative decisions (or solve narrative/visual/design problems) that I’ve always enjoyed, and I don’t obsess much about the tools themselves like some of my coll...
by angelescrest
Sun Sep 30, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Data Visualization—skill or career?
Replies: 9
Views: 1332

Re: Data Visualization—skill or career?

I pushed for bringing Tableau into our company, and worked with it a couple years until I retired this year. You don't need a background in programming to use it effectively. But you do need to REALLY understand data. The challenge is designing visualizations that answer questions the users have, o...
by angelescrest
Sun Sep 30, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 15078

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

Look forward to reading the new book. Not to take anything away from The NMND, but it looks like a similar-themed book will be coming out by Dave Ramsey's crew in January 2019... Everyday Millionaires: How Ordinary People Built Extraordinary Wealth―and How You Can Too https://www.amazon.com/gp/prod...
by angelescrest
Sun Sep 30, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Data Visualization—skill or career?
Replies: 9
Views: 1332

Data Visualization—skill or career?

I have been recently dabbling in data visualization, but I am just at the introductory level. I am fascinated with it, and it feeds my work in communication and media, where information, digital media, storytelling, and creativity are valued. I am not, however, a quant, and the pure math side of big...
by angelescrest
Sun Sep 30, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 15078

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

I loved the original; it did a lot to inspire me. Based on what has happened in America over the past two decades with regard to economic inequality, I fear the information here in this new version will only depress me—but I hope I’m wrong.
by angelescrest
Sun Aug 26, 2018 7:15 am
Forum: Non-US Investing
Topic: Need help with my retirement portfolio
Replies: 9
Views: 1404

Re: Need help with my retirement portfolio

1. 9% Schwab U S Large Cap ETF [SCHX]. (Not sure if I shall keep this one, its ER is 0.03% and it's 750 largest companies). 2. 81% Vanguard 500 Index Fund [VOO]. 3. 5% Vanguard Total Stock Market ETF [VTI] (Planning to increase my fraction here, and I understand this is largely SP500). 4. 5% Vangua...