Search found 161 matches

by bovineplane
Mon Apr 19, 2021 1:11 pm
Forum: Personal Investments
Topic: TSP Questions
Replies: 15
Views: 1466

Re: TSP Questions

You can change to any makeup within the TSP you wish. The G fund will protect principal in the event of a decrease in the market but it also will miss out on any gains if the market does not crash.
by bovineplane
Thu Apr 08, 2021 8:57 am
Forum: Personal Investments
Topic: TSP asset allocation
Replies: 11
Views: 957

Re: TSP asset allocation

The lifecycle funds simply use the underlying C, S, I, F, G fund and adjust accordingly. If you was 50-60% equities, why not just allocate accordingly in the TSP yourself?
by bovineplane
Mon Apr 05, 2021 4:58 pm
Forum: Personal Investments
Topic: 2021 Check Up. 31 Years Old. NW $5M.
Replies: 48
Views: 5900

Re: 2021 Check Up. 31 Years Old. NW $5M.

Whatever you are doing, keep doing it.
by bovineplane
Sat Apr 03, 2021 8:42 am
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5180

Re: Best nonstick pans?

Another vote for cast iron.
by bovineplane
Wed Mar 31, 2021 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used CPA for taxes AND did them on their own to compare?
Replies: 58
Views: 5559

Re: Has anyone used CPA for taxes AND did them on their own to compare?

We did for several years when we had rental properties in three different states. 2016 was our last year as we disposed of all the properties. When the TCJA was passed and taxes were simplified we went back to doing them ourselves. We spent ~$600 a year for 3 state filings and federal.
by bovineplane
Tue Mar 16, 2021 10:58 am
Forum: Investing - Theory, News & General
Topic: My leverage strategy - Thoughts?
Replies: 6
Views: 535

Re: My leverage strategy - Thoughts?

As I understand leverage, if you keep enough cash to pay off the margin then you arent technically leveraged. Your asset allocation is simply x% invested and x% cash. For example - you are starting 25k invested, 25k margin. Right now you are leveraged 2:1. Paying whatever rated IB charges. Somewhere...
by bovineplane
Tue Mar 16, 2021 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Adding to principal payment for short term ownership
Replies: 7
Views: 480

Re: Adding to principal payment for short term ownership

Wife and I also retired military Dec 2019. Wife is already antsy to move. Kids in highschool holding us here but we will move when they graduate. Or at least. . . thats the plan.
by bovineplane
Sun Mar 14, 2021 9:50 am
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 37041

Re: Are we in a housing bubble?

We have lived in the same SW city (El Paso) going back 9 years. Rented until 2017 when we bought a home. Home was bought new for $305k in 2013. Listed at $305k and sat on the market 9 months. We bought it for $265. Watching our neighborhood which is mixed new construction and re-sales, values ranged...
by bovineplane
Wed Mar 10, 2021 12:43 pm
Forum: Personal Investments
Topic: Windfall, VTSAX, and taxes
Replies: 22
Views: 2775

Re: Windfall, VTSAX, and taxes

Hoping these are gains from diamond handing GME.
by bovineplane
Sun Mar 07, 2021 9:05 am
Forum: Personal Investments
Topic: Cash Out Refi to Invest
Replies: 32
Views: 2004

Re: Cash Out Refi to Invest

Depends on your age/risk tolerance. If you are 40, plan to work for 20 years, risk tolerant and currently 100% equities - go for it. You have proven to be a diligent saver amassing a good base for retirement savings and a paid off house. If you are 60, less than 5 years from retirement and currently...
by bovineplane
Sun Feb 28, 2021 10:06 pm
Forum: Personal Consumer Issues
Topic: Ebay - items you've sold
Replies: 42
Views: 2775

Re: Ebay - items you've sold

Car parts. Not random parts but parts from low production vehicles that dont often end up in junk yards. Example - I have a local specialty auto recycler that has 3 of the same model low production but recently more popular older SUV. This is not a pick-a-part but a place that pulls the parts you wa...
by bovineplane
Mon Jan 18, 2021 9:26 am
Forum: Personal Consumer Issues
Topic: Signature Golf Holes that are worth traveling to? . . . And. . Most Memorable Golf Experiences?
Replies: 78
Views: 4757

Re: Signature Golf Holes that are worth traveling to? . . . And. . Most Memorable Golf Experiences?

Never played anywhere famous. Never been to any famous courses. I get my annual Masters application denial letter every year. The US Air Force academy course is nice though. Nice mountain course. Only had the chance to play it once. Rainmakers in Alto, NM also nice. Holed out from 165 yesterday on a...
by bovineplane
Tue Jan 05, 2021 9:16 pm
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 223
Views: 15808

Re: 2021 Hedge Fund Contest

Prestige Worldwide Financial

Long: BMRN, SRPT

Short: tsla
by bovineplane
Sat Jan 02, 2021 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2507
Views: 575731

Re: Share your net worth progression

Good year for us. Two income working in health care. - Started military retirement 1 Jan which added to income. - New job brought 5% 401k match for both of our incomes. - Total contributions to 401k this year 48k including company match for each of us. - Reduced debt (2 car loans. Truck with 5k left...
by bovineplane
Fri Jan 01, 2021 8:01 pm
Forum: Personal Consumer Issues
Topic: iFIT subscription renewal strategy, NordicTrack treadmill
Replies: 2
Views: 334

Re: iFIT subscription renewal strategy, NordicTrack treadmill

I have a commercial 2450 since 2016. Each year I simply get on ebay and buy the cheapest 1 or two year renewal promo card. The cards come with new ifit device purchase and people sell them cheap. Requires a new account to use them. If I recall I paid $150 for the last 2 year card I purchased.
by bovineplane
Sat Dec 26, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: Turbotax on Sale Today Only
Replies: 103
Views: 8917

Re: Turbotax on Sale Today Only

If you are T Roweprice customer, you can get TurboTax deluxe online version free and premier online version for $10. Maybe not all TRP customers? My account only shows a $10-20 discount for the various turbo tax products. My only TRP accounts are old coverdell ESA I have for the kids which they no ...
by bovineplane
Fri Dec 18, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Used Sports Car
Replies: 77
Views: 5822

Re: Used Sports Car

6bquick wrote: Fri Dec 18, 2020 11:52 am
bovineplane wrote: Fri Dec 18, 2020 11:35 am
chrisjul wrote: Fri Dec 18, 2020 11:07 am
Jack FFR1846 wrote: Mon Aug 26, 2019 1:43 pm Miata
Is
Always
The
Answer

Agree!
Until you drive a 911.
yes!! OP can have the PRIVILEGE of buying a 20 year old, 110k mile, rode-hard-and-put-away-wet, 911 and still come in at 50-100% OVER his stated budget!! BRILLIANT!!!

:oops:
You havent shopped for 1999-2001 911s have you?
by bovineplane
Fri Dec 18, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: Used Sports Car
Replies: 77
Views: 5822

Re: Used Sports Car

chrisjul wrote: Fri Dec 18, 2020 11:07 am
Jack FFR1846 wrote: Mon Aug 26, 2019 1:43 pm Miata
Is
Always
The
Answer

Agree!
Until you drive a 911.
by bovineplane
Sun Dec 13, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: Best < $100 purchase?
Replies: 136
Views: 16590

Re: Best < $100 purchase?

Does a weekly visit from a housecleaner count? ($70).

For my wife, she would say this is the best thing we ever did.
by bovineplane
Wed Oct 21, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 7146

Re: New smoker recommendation?

Bradley original smoker if you want set it and forget it. It is plastic so needs a cover but you can come well under $500 goal. Uses electric heat which is not the same a real fire but easy to use, large user base and forums, set it and forget it. Long smoke you will have to add the "pucks"...
by bovineplane
Thu Jun 18, 2020 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8324

Re: Would you rent your house to a famous athlete?

Not sure why this would be different from any other renter? If it isn't on the market for rent, tell the other agent you would consider it for a strong offer. Consider the offer if one is sent. Then make a decision. If they offer a market rate and your house isn't getting any sales movement, it migh...
by bovineplane
Mon Jun 01, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Experience w/ Medical Lab Sciences major in college?
Replies: 5
Views: 497

Re: Experience w/ Medical Lab Sciences major in college?

Was a med technologist for a time. Specialized in donor center operations. Undergraduate degree and national certified. It was a good gig. Pay wasn't the best but I enjoyed the work. You can make a career out of it but pay will top out and is very regional. As it isn't physically demanding many tech...
by bovineplane
Tue May 26, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 8165

Re: does anyone have a subscription to youtube tv?

YTTV. For internet we have spectrum as ATT wasn't fast enough. Spectrum $45/month all in. YTTV $50 all in. We have two TV's. Daughter has a fire stick on her computer monitor. I use my cell on the treadmill. Only issue we had - we tried the chrome device and it was terrible. Firestick 4k works much ...
by bovineplane
Tue May 19, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4318

Re: Vault Safe in the attic; welded, anyone ?

We have a small quality safe. I'd have to measure but maybe 1 cu ft inside. It weighs significantly more than 50-100 pounds. I would never want to put it in an crawl space overhead as I have no idea how I would do it without 4-5 people or some sort of pulley system. We hid it in the house best we co...
by bovineplane
Fri May 15, 2020 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12868

Re: Selling home - low ball negotiation

I don't consider 11% off asking to be a low-ball offer. We still don't know the price range of the house. 11% off is a feeling the waters before our best and final offer. Your realtor will be zero help in counter. They only get paid if a deal closes. Realtors are incentivized to close a deal, not th...
by bovineplane
Thu May 14, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 5747

Re: Peloton Treadmill: Anyone here own one..,,

I assume LV is Louis Vuitton. Sigh... I consider Coach to be very expensive. Correct. And I wasn't saying anything concerning or poor about Coach. The discussion was about quality treadmills. The Nordic track 1750 is a good entry level quality treadmills and still costs $1750. Sole f80 is I recall ...
by bovineplane
Wed May 13, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 5747

Re: Peloton Treadmill: Anyone here own one..,,

I recently researched treadmills and ended up with a Landice L7. I was specifically avoiding the online classes though. Most of the research I did pointed to Peloton being a low quality treadmill relative to its price point. The motor is underpowered compared to a similarly priced alternative and t...
by bovineplane
Wed May 06, 2020 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36639

Re: Changing the Subject

[quote="Jim Beaux" post_id=5234590 time=1588788879 I cant begin to cover it all here, but do your research online first. I would say rule #1 is to shut up, be patient & let the salesman dance to your rhythm. Reply with vagueness. We hated pipe smokers because they would always break ou...
by bovineplane
Tue May 05, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Lawn mower recommendation
Replies: 91
Views: 6389

Re: Lawnmower recommendation

Electric. I have a small yard. My 40v is a bit underpowered but for my small yard, maybe 2k sq feet, I wouldn't go back to gas unless I had a much larger yard. My electric is quiet, always starts, doesn't smell up my garage, requires near zero maintenance. If I could do it again I might consider a l...
by bovineplane
Thu Apr 30, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5727

Re: Why doesn't Porsche have better resale value?

Save a few low production models, Porsches depreciate for a bit from new. Look at 10 year old 911s. Then look 10 years later (now 20 years old). They hold that value surprisingly well and some will appreciate a bit from the bottom. Think turbos, S, 4S, etc.
by bovineplane
Thu Apr 30, 2020 9:56 am
Forum: Personal Investments
Topic: Holding Gold as "Doomsday Fund"
Replies: 164
Views: 8891

Re: Holding Gold as "Doomsday Fund"

I don't hold gold as part of our retirement savings but I do have a few ounces in American Eagle coins, both graded and ungraded coins. We also hold a few thousand dollars in Silver Eagles, both graded and ungraded. We accumulated these over the years. The Silver coins I have had accumulated 2004-20...
by bovineplane
Mon Apr 27, 2020 1:23 pm
Forum: Investing - Theory, News & General
Topic: Why shouldn´t I buy oil futures now?
Replies: 92
Views: 7604

Re: Why shouldn´t I buy oil futures now?

Based on previous feedback of doing the opposite of Cramer - time to go long oil? https://www.msn.com/en-us/money/markets/cramer-sees-another-oil-price-collapse-this-has-to-go-to-zero-again/ar-BB13gU4G?ocid=spartanntp I don't invest in oil or this product. Just pointing out Cramer says "This ha...
by bovineplane
Mon Apr 27, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: "certifying" a laptop to be sold
Replies: 56
Views: 2087

Re: "certifying" a laptop to be sold

Wait for BestBuy to do the turn in/gift card credit. Take out the HDD. Most often when they do this they guarantee if it turns on they give a minimum value GC. I carry in the old laptop, turn it on, power it off then remove and keep the HDD. No ebay fees, no craigslist/facebook marketplace nonsense....
by bovineplane
Fri Apr 24, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 26228

Re: IRS Get My Payment up and running

Able to update my info. Then went back in and checked by my wife's SSN and it presented the banking info I entered 30 seconds prior under my SSN. System seems to be working fine.
by bovineplane
Fri Apr 24, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3671

Re: Unable to Order Work Out Equipment

So now is the time I should sell my treadmill it sounds. Sucks since I use mine regularly but if the price is right I would let it go.
by bovineplane
Thu Apr 23, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 10121

Re: Best Covid19 resistant job

Corrections officer. Federal. No idea what your current salary is. Provided you have a clean record, no specific education requirement other than HS diploma. Entry level positions don't pay the best but the job is secure. Room for advancement if you do it long term. CDC has posted lots of new jobs -...
by bovineplane
Wed Apr 22, 2020 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Advice on buying a weekend car [UPDATE]
Replies: 90
Views: 4642

Re: Advice on buying a weekend car

Just another couple of options, like I said, my garage is not MMM/BH approved. Wife daily drives a CTS-V Sedan. Amazing car and our favorite. This is our second. Hold value surprisingly well. Went from a 2013 to a 2016 both purchased used. Sound is better on the 2013. The newer 10 speed tranny isn't...
by bovineplane
Tue Apr 21, 2020 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on buying a weekend car [UPDATE]
Replies: 90
Views: 4642

Re: Advice on buying a weekend car

10-12 year old Porsche 911. 2007-2010. Some good deals to be had going forward if the economy doesn't bounce back soon.

Not terrible BH friendly. We have two non BH approved cars in the garage. Both fully paid for.
by bovineplane
Tue Apr 21, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 26228

Re: IRS Get My Payment up and running

Thank you for the response. I understand that the bank information used for 2018 or 2019 tax payments will not be used by the IRS for direct deposit stimulus payments. But I am curious if anyone who *owed* taxes in their most recent return has been able to input their direct debit bank information....
by bovineplane
Tue Apr 21, 2020 10:09 am
Forum: Personal Investments
Topic: Vanguard energy ETF?
Replies: 16
Views: 1351

Re: Vanguard energy ETF?

I held VGENX in my Roth for several years. I forget when exactly I purchased it. Kept thinking energy would rebound. These are the returns: -42.06% 1 yr -15.93% 3 yr -9.55% 5 yr -3.58% 10 yr Top 10 holdings TOTAL SA BP plc Royal Dutch Shell plc Chevron Corp. Enbridge Inc. TC Energy Corp. ConocoPhill...
by bovineplane
Mon Apr 20, 2020 4:23 pm
Forum: Personal Investments
Topic: How can I "buy into oil" at these prices?
Replies: 57
Views: 5917

Re: How can I "buy into oil" at these prices?

USO is suppose to track oil but its based on contracts. There is talk about USO possibly going to 0 and being liquidated similar to what happened to XIV. I would stay away from it. Price of oil could go up and USO can still be going down. If it goes to zero there should be nothing to liquidate. May...
by bovineplane
Mon Apr 20, 2020 1:49 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8457

Re: [Oil futures price plummets, Bogleheads react]

RayKeynes wrote: Mon Apr 20, 2020 1:46 pm What would actually happen if I buy 1 contract of oil? I will get 40$ and then what?

From where will the oil be delivered? Do they deliver to private people?
If you have to ask, I wouldn't recommend buying the contract :)
by bovineplane
Mon Apr 20, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 26228

Re: IRS Get My Payment up and running

"According to information that we have on file, we cannot determine your eligibility for a payment at this time."

No change for us. Still holding 2019 filing as we are deeper in the phase out AGI in 2019 vs 2018.
by bovineplane
Mon Apr 20, 2020 11:02 am
Forum: Investing - Theory, News & General
Topic: How to "invest" in oil?
Replies: 85
Views: 6838

Re: How to "invest" in oil?

I'm surprised no company has started a physical oil ETF. Most unleveraged gold ETFs hold physical gold. You could do the same with oil and charge the storage cost as the ER. It would track the long term price of oil much more closely than oil futures ETFs which are hugely affected by contango/backw...
by bovineplane
Fri Apr 17, 2020 9:17 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 6381

Re: How are you exercising with gym closures

In this current police state of overreaction our neighbor was stopped by the police yesterday. She was running with her dog. Not within 1/8th mile of a house, not to mention another person. She was told she needed to leave the area and if she declined would be given a citation and a court date. Our ...
by bovineplane
Thu Apr 16, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 258
Views: 22822

Re: What are you doing for haircuts due to coronavirus shutdown?

In an attempt at market timing I started going bald in 2005. Been cutting my own hair ever since. Clippers on zero. 5 minutes later, done. Every year it seems to be faster and faster for each haircut and I slowly rebalance from 100% hair to bald. Carrying costs include a new set of clippers every 4-...
by bovineplane
Thu Apr 16, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 26228

Re: IRS Get My Payment up and running

Still not working for me either. Same cannot verify my info message as yesterday.
by bovineplane
Thu Apr 16, 2020 11:55 am
Forum: Personal Investments
Topic: The zillion dollar question: when will the market bottom out?
Replies: 104
Views: 8288

Re: The zillion dollar question: when will the market bottom out?

bovineplane: If anyone knew the answer to this question thy could make a zillion dollars. Right. The only problem is they wouldn't tell anyone else. Of course they wouldn't. I wouldn't either. I would make a post 6 months after my first zillion to tell everyone on BH why market timing works.
by bovineplane
Wed Apr 15, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3518

Re: Help us save more money on a monthly basis.

Not enough info. If your after retirement savings/tax/deductions (insurance) is $13k and you still save an additional $2500/month you are doing well. This assumes you are maxing pension/401k tax advantaged space. If the $2500 savings includes what you put into retirement savings, I would say you hav...