Search found 96 matches

by khangaroo
Tue Apr 13, 2021 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can finally invest a ton, but am I buying high?
Replies: 7
Views: 1258

Re: Can finally invest a ton, but am I buying high?

You can always look at other markets for that money like crypto, real estate or if you’re super adventurous, non-fungible tokens.
by khangaroo
Thu Apr 08, 2021 11:25 am
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 101
Views: 8588

Re: What is your contrarian/alternative play?

wshang wrote: Thu Apr 08, 2021 10:48 am
khangaroo wrote: Thu Apr 08, 2021 10:17 am Now that crypto is becoming more and more mainstream
MARK MY WORDS, THE PRICE (1) YEAR FROM NOW WILL BE HIGHER THAN THAT.

Adding to my calendar to check this comment 1 year from now.
So you will comp me for any loss? :P
haha I'll Venmo you $20 if it's less :wink:
by khangaroo
Thu Apr 08, 2021 10:17 am
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 101
Views: 8588

Re: What is your contrarian/alternative play?

Now that crypto is becoming more and more mainstream I think it's about picking the right horse but I guess that's the exact same as picking stocks lol My 401k and Roth are traditionally in total market indexes and some international but I have begun dumping money into Cardano (ADA) which I believe ...
by khangaroo
Thu Mar 25, 2021 12:49 pm
Forum: Personal Consumer Issues
Topic: son to major in Business, advice on specialization requested
Replies: 60
Views: 2653

Re: son to major in Business, advice on specialization requested

Construction Management. We have a few business majors at our company and one senior PM who was a history major. The degree will give you a leg-up when you first start because it's a lot of information to learn at the beginning but once you get on a project you learn the ropes pretty fast. After wor...
by khangaroo
Wed Mar 10, 2021 10:34 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4557
Views: 228899

Re: [GameStop GME trading mega-thread]

Please go to $300 so I can get my money back lol I'm just curious, did you buy and hold all the way down? Are you just gonna break-even if/when it goes back to $300? I bought 3 shares at 289.99 on 2/1/21 and have diamond handed it until now. I promised the wife I would sell the 2 shares in her Roth...
by khangaroo
Tue Mar 09, 2021 6:11 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4557
Views: 228899

Re: [GameStop GME trading mega-thread]

Please go to $300 so I can get my money back lol
by khangaroo
Mon Mar 08, 2021 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Online vs In-Person MBA
Replies: 20
Views: 1397

Re: Online vs In-Person MBA

Commenting as someone who got their MBA almost 3 years ago from a no-name local university. I did it in-person and part time while I was working a full shift at my employer - I work as an engineer for a general contractor. I would highly recommend you get a clear vision of what industry you want to ...
by khangaroo
Sun Mar 07, 2021 9:00 am
Forum: Personal Consumer Issues
Topic: I need a trickle car battery charger for garage queen...
Replies: 84
Views: 5115

Re: I need a trickle car battery charger for garage queen...

+1 for the Battery Tender Plus brand. I’ve had the same one for almost a decade now for my Honda S2000 that can sit for weeks/months waiting for some sunshine. It was highly recommended to me by my motorcycle and S2000 buddies. I remember it being pricier than other tenders but, by golly, you get wh...
by khangaroo
Thu Mar 04, 2021 1:41 pm
Forum: Personal Investments
Topic: Some advice for a young gun
Replies: 20
Views: 1053

Re: Some advice for a young gun

If I was 22 and in your shoes this is what I would do with what I know now at 32. 1. Pay off that car loan and be completely debt-free. Read Dave Ramsey's The Total Money Makeover with your wife on the reason why. The people on this forum is 50/50 on him. I agree with his getting out of debt and bei...
by khangaroo
Mon Mar 01, 2021 10:49 am
Forum: Personal Investments
Topic: Whose else own stocks in addition to their mutual funds?
Replies: 58
Views: 4200

Re: Whose else own stocks in addition to their mutual funds?

I have less than 3% of my portfolio in individual stocks but I'm looking to increase it in the future. I'm lucky to have started at a young age and my retirement accounts are healthy so I'm comfortable with where I sit in terms of my index fund holdings. All my non-retirement money has either gone i...
by khangaroo
Wed Feb 17, 2021 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Spending HSA contributions for non medical
Replies: 21
Views: 1532

Re: Spending HSA contributions for non medical

Thanks! I should have been clearer on the question; is there ever a time that you can use them for non medical expenses without being taxed? Not legally. As long as you're never audited you can use it for anything though. My HSA defines proof/receipts as "optional" when I request a withdr...
by khangaroo
Wed Feb 17, 2021 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: "TBD" home buyers -- what's your savings approach?
Replies: 27
Views: 1377

Re: "TBD" home buyers -- what's your savings approach?

For us, it was knowing that it would take way too long to save 20% so we were willing to pay PMI to only put a down payment of 3%. But we were also looking at buying a rental property that we could house hack and luckily found a perfect one when we were ready. We live in Portland, OR so I would it's...
by khangaroo
Wed Feb 17, 2021 1:17 pm
Forum: Personal Consumer Issues
Topic: Ski Socks
Replies: 23
Views: 1123

Re: Ski Socks

DARN TOUGH SOCKS!!!! Best pair of socks I've ever owned and I'm never going back to anything else. They are spendy at ~$25/pair but they are guaranteed for life. I currently have several pairs of the hiking/work socks and used them for snowboarding/cross country skiing and absolutely no issues with ...
by khangaroo
Thu Feb 11, 2021 11:31 am
Forum: Personal Investments
Topic: Are Bogleheads still investing at Vanguard?
Replies: 132
Views: 11603

Re: Are Bogleheads still investing at Vanguard?

I have a TD Ameritrade and Fidelity account in addition to Vanguard and Vanguard by far has the worst GUI. I absolutely hate it.

I haven't used their customer support but I've had good experiences with both TD Ameritrade and Fidelity.
by khangaroo
Mon Feb 08, 2021 6:28 pm
Forum: Personal Investments
Topic: How do you stay the course?
Replies: 79
Views: 6441

Re: How do you stay the course?

Buy game stop at $290/share and watch it sink to $58 I got caught up in the hype and haven't "lost" yet since I haven't sold (DIAMOND HANDS!!) but I doubt the stock will ever get anywhere near what I bought it for. The silver lining is that I only purchased 3 shares unlike some of the othe...
by khangaroo
Fri Feb 05, 2021 10:50 am
Forum: Personal Consumer Issues
Topic: Removing Labels From HVAC Unit
Replies: 24
Views: 1564

Re: Removing Labels From HVAC Unit

There are creative cover ideas (an enclosure, landscaping, etc.) that you can put around it to completely hide it.
by khangaroo
Thu Feb 04, 2021 8:00 am
Forum: Investing - Theory, News & General
Topic: FOMO and distorted perception caused by following individual stocks
Replies: 21
Views: 1712

Re: FOMO and distorted perception caused by following individual stocks

I got excited from the hype and joined the GME craze at $290/share (luckily I only bought 3 shares) and that has taught me a valuable lesson that I shouldn’t be stock picking especially from media hype. I haven’t sold but it definitely help me get rid of my current FOMO and hopefully future ones as ...
by khangaroo
Sun Jan 31, 2021 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12597

Re: Motivate Graduating HS Sr to Start Life - facing an uphill climb

I would advise looking at apprenticeship in the trades. If he likes working with his hands then there is no better place. Have him visit the local unions and see what trade he might be interested in. You can treat the first year of his apprenticeship like a gap year, if he doesn’t like it then he ca...
by khangaroo
Fri Jan 22, 2021 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Wedding
Replies: 78
Views: 4778

Re: Wedding

We had just had a wedding in October and it was ~$2500. Some things we did to lower cost, some were involuntary because of the current times. - She has been married before so she’s already had the $25k wedding. I honestly had no want or need to go through that, I’ve been to enough weddings. I’m good...
by khangaroo
Tue Jan 19, 2021 6:45 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring
Replies: 140
Views: 7913

Re: Engagement Ring

When I was searching for engagement ring ideas and searched this forum I found one of the best pieces of advice I ever read on this forum - I wish I could remember who said it so I could give them credit but it was: The engagement ring should not be a surprise but the proposal should be. My interpre...
by khangaroo
Tue Jan 12, 2021 8:38 pm
Forum: Personal Consumer Issues
Topic: Wide Shoe Sizes: Where to buy? (online or B&M)
Replies: 27
Views: 1414

Re: Wide Shoe Sizes: Where to buy? (online or B&M)

Another +1 for Keen. They also have excellent customer service. I just purchased the San Jose's for work and it was the easiest break-in of a work boot I've ever had. Super comfy for my wide feet.
by khangaroo
Tue Dec 22, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Skiing vs Snowboarding for a 12 year old
Replies: 64
Views: 3655

Re: Skiing vs Snowboarding for a 12 year old

I started snowboarding at the same age and I tried both but I enjoyed snowboarding a lot more because all of my friends preferred snowboarding. Our impression was that skiing was for the preppy kids. I made a lot of great friends and had a lot of fun snowboarding with my friends from middle school a...
by khangaroo
Tue Dec 08, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: Warm coat recommendations
Replies: 93
Views: 5130

Re: Warm coat recommendations

I recently got a Fjall Raven down jacket and it has kept me so warm during the cold morning walks with the doggo. However, it doesn't get too cold here in Portland, OR during my walks - it's mostly high 30's to 50's. I don't layer though, I just put on a long sleeve shirt and my jacket and I'm more ...
by khangaroo
Tue Dec 01, 2020 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Would a MBA be beneficial to me?
Replies: 39
Views: 2618

Re: Would a MBA be beneficial to me?

DO NOT GET AN MBA You are already established at your company and have a master's degree, an MBA will do nothing for you. Even if you wanted to jump into management, your own time and experience at the company should determine if you're ready for that role not a piece of paper with 3 letters on it. ...
by khangaroo
Wed Nov 25, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: Replacing rear shocks and front lower control arms?
Replies: 32
Views: 1670

Re: Replacing rear shocks and front lower control arms?

FWIW, I have a 2005 BMW E46 that the control arms are a common issue that breaks down. The BMW mechanic listed this on his report when I purchased the vehicle from a family friend 6 years. The vehicle still handles great!! But my car is a little different than yours given that I bought it for $4k an...
by khangaroo
Mon Nov 23, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: Silliest Investment Mistakes?
Replies: 171
Views: 16852

Re: Silliest Investment Mistakes?

One silly mistake is buying silver coins for $1k when it was going up like crazy and then selling it several years after for $450 or so. Never buying precious metals again...
by khangaroo
Mon Nov 23, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: What are you getting your s/o for the holidays?
Replies: 123
Views: 9270

Re: What are you getting your s/o for the holidays?

She wants a night gown/robe so I'm trying to find one of those that meets my usually requirements for a company which includes local (if possible), socially responsible, environmentally friendly, and if it has some nice features/technology that separates it from its competitors - not sure this is po...
by khangaroo
Mon Nov 09, 2020 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: New physician - pay off loans early or buy a house?
Replies: 32
Views: 3162

Re: New physician - pay off loans early or buy a house?

Use your GIGANTIC shovel and get out of debt. With that income and amount in your HYSA, you can easily be debt-free in 1-2 years. Don't get "Doc-itis" as Dave Ramsey likes to say and have that big income get you into trouble. It sounds like you've already got your financial wits about you ...
by khangaroo
Fri Oct 30, 2020 12:27 pm
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 439
Views: 27815

Re: What’s “your number” for each kid’s 529?

I was a little late to the game but I have $25k for an 11 year old. Estimates says in-state is going to cost $200k in 2028 so if that's the case, I don't think I'll be anywhere near that. My goal is going to be $100k by the time she turns 18 and cash-flow the rest. My concern now is the cash flowing...
by khangaroo
Thu Oct 29, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Harbor Freight Good Values?
Replies: 88
Views: 5297

Re: Harbor Freight Good Values?

Harbor Freight Farm Jack. I had to remove several trees in my yard and this $60 tool (I think I had a coupon so it was more like $40) probably saved me hundreds of dollars going to an arborist. Having said that, removing a tree stump is so much work if you don't have a machine!! So I can see why the...
by khangaroo
Fri Sep 25, 2020 4:37 pm
Forum: Personal Investments
Topic: How to combine finances with your spouse? Recently married/early30s
Replies: 55
Views: 4369

Re: How to combine finances with your spouse? Recently married/early30s

I'm in a relatively similar NW, age (31M/27F) and life situation as yours but the income is different. We're about go to get married in 2 weeks with my NW being $350k and hers is $30k but our incomes are similar at around $100k but she's forecasted to overleap me by tens of thousands within the next...
by khangaroo
Tue Sep 08, 2020 2:58 pm
Forum: Personal Investments
Topic: ROTH vs. Traditional - How Did You Choose?
Replies: 34
Views: 2529

Re: ROTH vs. Traditional - How Did You Choose?

I read somewhere that you should have diversify your tax-advantaged accounts so since the traditional IRA mimics a 401k and I was already maxing that, I wanted to diversify my accounts by opening a Roth IRA.
by khangaroo
Thu Aug 27, 2020 10:20 am
Forum: Investing - Theory, News & General
Topic: Whose being naughty and keeping some dry powder around?
Replies: 110
Views: 9561

Re: Whose being naughty and keeping some dry powder around?

After my 401k maxes in October, I plan on not maxing next year but still maxing my Roth and HSA. I'm going to pile up my cash but probably not going to put it back into the stock market as I have a fairly decent size portfolio there already. I'm going to try my luck in the real estate market and bei...
by khangaroo
Mon Jul 27, 2020 9:11 pm
Forum: Personal Investments
Topic: HSA - Portfolio Selection
Replies: 14
Views: 1242

Re: HSA - Portfolio Selection

I agree with the posters above. Consolidate into one fund. My stats are similar to yours, 31, max HSA, optum bank. I throw everything into VITSX. I like to get some of that small and mid cap in there but I don't think you can go wrong with either one. I have 15-20% international in my overall portfo...
by khangaroo
Wed Jul 15, 2020 11:10 am
Forum: Personal Investments
Topic: How do I "short" banks/mortgages?
Replies: 16
Views: 883

Re: How do I "short" banks/mortgages?

There is a subreddit called WallStreetBets, I would pose this question there and you will find much better responses than on Bogelheads. Not saying you won't get responses but I think the kind of answers you're looking for will be more abundant and there will be more "receptive" discussion...
by khangaroo
Mon Jul 13, 2020 10:15 am
Forum: Personal Investments
Topic: HSA and portfolio help
Replies: 5
Views: 457

Re: HSA and portfolio help

Your AA is already at 100% stock so there is no reason to deviate from your risk tolerance. Put 100% in one of the Vanguard market index funds.

FWIW, I have mine 100% in vitsx above the $2k I'm required to hold in cash in the HSA.
by khangaroo
Wed Jun 17, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Driveway resurface or rebuild
Replies: 16
Views: 1943

Re: Driveway resurface or rebuild

If cost isn't an issue and you're going to be there for another 20 years, I would rip it all out and redo it with concrete. I have to disagree with contractor 3. If you're rebuilding, you're going to have to excavate out the old subgrade and compact everything again. I mean you can just build on top...
by khangaroo
Fri Jun 12, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to agree on price with a hombuilder
Replies: 8
Views: 1117

Re: How to agree on price with a hombuilder

+1 on the plan and specs because it's going to be impossible for a contractor to give you an estimate of what you're going to get for a $200k house - there are wayyyy too many variables. I would ask the home builder to provide previous projects with their costs and what the house looks like. There a...
by khangaroo
Sat Jun 06, 2020 7:15 am
Forum: Personal Consumer Issues
Topic: can I shorten a pdf file?
Replies: 35
Views: 2181

Re: can I shorten a pdf file?

Check out Blue Beam Revu. I use it for work and it does everything you can ever ask of a PDF editor. Not sure if it’s free or not though since it’s pre installed on my work computer.
by khangaroo
Wed May 20, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: At 30, what are some key financial milestones I should have hit?
Replies: 51
Views: 4708

Re: At 30, what are some key financial milestones I should have hit?

FWIW here are the mile stones I set-out for myself when I was ~26 when I really started to take my personal finances more seriously. 1. Be debt free 2. $250k in net worth 3. 6 month emergency fund 4. Max Roth IRA every year 5. Max 401k every year My next big goal is to have a $500k in investments by...
by khangaroo
Wed May 20, 2020 2:42 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 85
Views: 4991

Re: Engagement Ring Help

One thing I'm really glad I did was actually talking to my fiancee about her ring. My first initial thought was to surprise her because I "knew" what she liked... man was I completely wrong. 1. She has no care about what it cost. I was going to go with the 3 month salary rule of thumb and ...
by khangaroo
Tue Apr 21, 2020 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on buying a weekend car [UPDATE]
Replies: 90
Views: 4641

Re: Advice on buying a weekend car

I'm biased but I highly recommend getting a Honda S2000, AP1 or AP2. I made the recent college graduate mistake of buying a car and this is my dream car since I saw it in the original Fast & Furious. One of the best things about the car is the community. I've done several rides with the S2000 gr...
by khangaroo
Thu Apr 09, 2020 5:44 pm
Forum: Investing - Theory, News & General
Topic: What did you learn about investing or building wealth that would have helped you, if you knew about it earlier in life?
Replies: 45
Views: 3362

Re: What did you learn about investing or building wealth that would have helped you, if you knew about it earlier in li

Get out of debt as quickly as you can and stay out of debt. My financial life before I was debt-free and after is black and white. I don't agree with all of his teachings but Dave Ramsey will always have a special place in my heart. Don't invest in managed mutual funds, just put it in index funds. W...
by khangaroo
Wed Apr 01, 2020 6:41 pm
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6822

Re: What's worth paying more for?

:arrow: These threads are useless cause the answer is that you should spent money on what you value and everyones values are different. The car guy gets value out of the porsche. The nonCar guy can get a toyota. And you can do that for pretty much everything. I largely agree with you. However, thes...
by khangaroo
Tue Mar 17, 2020 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much term life insurance to buy?
Replies: 16
Views: 876

Re: How much term life insurance to buy?

I used the DIME method to figure out how much life insurance I needed. D = Debt – How much money your family will have to pay the creditors when you perish. I = Income – The rule of thumb is 10 X your income M = Mortgage – How much do you still owe on your home/properties before it’s paid off E = Ed...
by khangaroo
Mon Mar 16, 2020 3:03 pm
Forum: Personal Investments
Topic: Roth contribution
Replies: 8
Views: 416

Re: Roth contribution

I think it would be smart to put the whole $2,000 in now since the price is so low. About 9 months I put $30,000 into VTSAX and it was doing very well until recent. I was thinking about putting another $10,000 in today or tomorrow while the price is so low. Good or bad idea? Similar to OP's questio...
by khangaroo
Mon Mar 16, 2020 1:51 pm
Forum: Personal Investments
Topic: Roth contribution
Replies: 8
Views: 416

Re: Roth contribution

I just maxed my kid's $2,000 ESA for this year and invested the entire $2,000 today in VTSAX.

My suggestion is to invest the entire $2,000 now if you have it.
by khangaroo
Thu Mar 05, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is buying a rental property even worth it?
Replies: 58
Views: 4535

Re: Is buying a rental property even worth it?

We're currently "house-hacking" (a buzzword for renting out a part of your house) where we live in the basement unit and our tenant (my fiance's coworker) lives in the top unit. We were EXTREMELY lucky to find this place because it has two separate entrances and the bottom unit was partly ...