Search found 6308 matches

by SmileyFace
Tue Apr 20, 2021 7:29 am
Forum: Investing - Theory, News & General
Topic: I Bonds variable rate @ 3.54% in May
Replies: 113
Views: 13139

Re: I Bonds variable rate @ 3.54% in May

And which category do you fall into? More so interested if this makes sense for someone in their 30’s. I'm a year and a half from retirement, but that isn't why I purchased them. We had a CD mature that was paying 3+% and couldn't find that rate in another "safe" place for holding part of...
by SmileyFace
Mon Apr 19, 2021 9:56 am
Forum: Personal Consumer Issues
Topic: Facemask Recommendations?
Replies: 45
Views: 2860

Re: Facemask Recommendations?

We bought a few cloth masks just keep washing them. They have held up well for months and are comfortable. Someone here recommended them in another thread:
https://thenxtstop.com/
by SmileyFace
Mon Apr 19, 2021 9:47 am
Forum: Personal Investments
Topic: How should I invest in my 401k account
Replies: 21
Views: 1865

Re: How should I invest in my 401k account

Check out the examples in the wiki for approximating total market:
https://www.bogleheads.org/wiki/Approxi ... ock_market
by SmileyFace
Sun Apr 18, 2021 8:11 am
Forum: Personal Finance (Not Investing)
Topic: New vs used car in a strong used car market
Replies: 41
Views: 3131

Re: New vs used car in a strong used car market

I would buy new - but I always do for Hondas and Toyotas. I have gotten new cars cheaper than 2 year old models. People seem to often compare sticker new prices to used car prices to justify buying used.
by SmileyFace
Sun Apr 18, 2021 7:17 am
Forum: Personal Consumer Issues
Topic: Indestructible ants?
Replies: 22
Views: 2020

Re: Indestructible ants?

If I tried off the shelf products with no results I would hire a professional. Exterminators (in most states) have access to products that we do not and provide guarantees (will come back until the problem is solved).
by SmileyFace
Sat Apr 17, 2021 4:51 pm
Forum: Investing - Theory, News & General
Topic: Don't fuss about 529 accounts. Have your child skip the first two years of college instead!
Replies: 148
Views: 10959

Re: Don't fuss about 529 accounts. Have your child skip the first two years of college instead!

No one needs to put money in 529 accounts and provide their kids a good education.
No one needs to put money in retirement accounts and provide for themselves a good retirement.
The choices are yours. Personally - I did both and am glad I did.
by SmileyFace
Sat Apr 17, 2021 6:40 am
Forum: Personal Finance (Not Investing)
Topic: What Does College Tuition Really Cost?
Replies: 84
Views: 6448

Re: What Does College Tuition Really Cost?

... whatever the all-in cost of their flagship State U was, seemed to be where all of the colleges targeted their aid packages. Our experience as well. Middle tier privates are in competition with public universities. These places give out the merit candy to bring the total cost inline with public ...
by SmileyFace
Fri Apr 16, 2021 6:30 am
Forum: Personal Consumer Issues
Topic: can I get boglehead approval for a 70K truck?
Replies: 97
Views: 5393

Re: can I get boglehead approval for a 70K truck?

If you aren't a boglehead why are you asking for boglehead approval?
You disagree with the fundamentals of bogleheads so why seek their approval?
"I don't agree with how you all invest your money, can you approve how I spend mine?" Just sounds like trolling to me.
by SmileyFace
Thu Apr 15, 2021 4:41 pm
Forum: Investing - Theory, News & General
Topic: The 4% Rule - Simplified?
Replies: 19
Views: 1548

Re: The 4% Rule - Simplified?

Welcome to the forum.
If you haven't spent time yet in the wiki there is a lot of great reading there.
Relevant to your question:
https://www.bogleheads.org/wiki/Safe_withdrawal_rates
by SmileyFace
Wed Apr 14, 2021 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest expenses in life
Replies: 50
Views: 4121

Re: Biggest expenses in life

All worth it: - stay at home parent decision (biggest ticket item) - house - children's educations - new cars - some big memorable vacations - inground swimming pool and landscaping (my spouse and I argued on this one for a bit but in retrospect it was worth every penny - lots of memories and still ...
by SmileyFace
Wed Apr 14, 2021 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Which is more forward-looking? Solar panels or Roth investment?
Replies: 35
Views: 2149

Re: Which is more forward-looking? Solar panels or Roth investment?

Since your electric bill is only a bit over $100 a month I wouldn't bother with Solar - I would go with Roth.
Have you done the math on your ROI for solar? It's likely not worth it for you.
by SmileyFace
Wed Apr 14, 2021 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 430
Views: 28165

Re: "Nobody's ever regretted paying off the mortgage."

I'm asking why, in your opinion, is this advice to pay down the mortgage so prevalent in the personal finance industry? I believe the advise from Ramsey and others is because if most folks don't use extra money to pay down their mortgage they will use the extra money to buy toys (cars, boat, etc) o...
by SmileyFace
Wed Apr 14, 2021 10:04 am
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 184
Views: 11559

Re: First child entering college in the fall... need some advice

Congratutions to your daughter. At two of the top US Universities there is no merit aid and at your income there is no financial aid. Your other choice isn't simply to drop into a State U - if your daughter applied to other great private U's where her standing is above the average for those U's they...
by SmileyFace
Tue Apr 13, 2021 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: events that require unfreezing credit
Replies: 21
Views: 898

Re: events that require unfreezing credit

pahkcah wrote: Tue Apr 13, 2021 4:32 pm Buying/leasing a vehicle. Always ask which credit bureau will be checked, and only unfreeze that one.
In my experience there is no credit check unless you are taking a loan (or lease which is a loan of sorts).
by SmileyFace
Tue Apr 13, 2021 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: events that require unfreezing credit
Replies: 21
Views: 898

Re: events that require unfreezing credit

It's a five minute process to temp unfreeze while it can take years to unravel identity theft.
I don't want someone pulling my credit without my knowledge in any case so like having the check in place. Credit cards, loans, some bank account types are the only times I ever need to temp unfreeze.
by SmileyFace
Tue Apr 13, 2021 10:03 am
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4579

Re: The Great Swing Set Dilemma

The kids can flip off swings or top of slide or top of ladder just as easily as fall off the bridge so not sure what the concern is. I would get the bridge - you should have proper material under the entire play structure anyway to assure a fall won't result in major injury.
by SmileyFace
Tue Apr 13, 2021 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Transfer out from E-Trade and consolidate with Vanguard, or not?
Replies: 16
Views: 893

Re: Transfer out from E-Trade and consolidate with Vanguard, or not?

The reason I mentioned it is that my wife is not investment savvy. So, the interest in PAS is mainly for the event where I am not around. Fidelity will give your wife free access to a CFP at this account level. I agree with others that have suggested Fidelity or Schwab rather than Vanguard for cons...
by SmileyFace
Tue Apr 13, 2021 6:40 am
Forum: Investing - Theory, News & General
Topic: What's your definition of "Family Money"?
Replies: 47
Views: 5510

Re: What's your definition of "Family Money"?

1. Inherited money 2. You were given/gifted a significant sum of wealth such that you could not have possibly earned in in the traditional sense 3. You have the unconditional financial backing of family benefactor Good definition! If you started with a high negative networth like many of us (school...
by SmileyFace
Tue Apr 13, 2021 6:27 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 243
Views: 16690

Re: Insane to buy a sports car?

Update: Ordered a car! After riding out this crazy year, I finally decided to pull the trigger on a 2021 GTS 4.0. Almost the exact same engine/transmission/suspension/body as the Spyder but cheaper (and I like the wheels better :) ). Income and savings have actually increased exponentially this yea...
by SmileyFace
Tue Apr 13, 2021 6:20 am
Forum: Personal Investments
Topic: Emergency (oh my God fund)
Replies: 45
Views: 4651

Re: Emergency (oh my God fund)

Yes. It allows me to not have to cash out stocks at bottom of market (Most likely to lose job when market crashes) and also doubles as a large purchase fund (new car, etc). I had about 2 years expenses but I shrunk it down as I started buying iBonds as a second tier. This topic has been discussed pr...
by SmileyFace
Mon Apr 12, 2021 6:32 am
Forum: Personal Consumer Issues
Topic: What do you do with well worn clothing?
Replies: 39
Views: 3236

Re: What do you do with well worn clothing?

Metsfan91 wrote: Mon Apr 12, 2021 12:45 am Salvation Army dropoff location... Dropoff boxes for other charities available as well.
These places typically don't want well worn clothing - only gently worn clothing. If it's worn through or ratty - trash is the place it goes.
by SmileyFace
Mon Apr 12, 2021 6:30 am
Forum: Personal Consumer Issues
Topic: Comfortable Men's Flip Flops?
Replies: 69
Views: 4972

Re: Comfortable Men's Flip Flops?

Cheez-It Guy wrote: Sun Apr 11, 2021 2:14 am I don't like a thong between my toes, ...
I agree with this - "comfortable flip flops" is an oxymoron in my book. Slides or Sandals are they way to go - I have been wearing a very comfortable pair of Merrell sandals the last few years.
by SmileyFace
Mon Apr 12, 2021 6:26 am
Forum: Personal Consumer Issues
Topic: USPS Delivery issues
Replies: 35
Views: 2562

Re: USPS Delivery issues

I thought it was pretty well known for some time to NOT use the USPS for anything time sensitive. Use UPS Expess or FEDEX. But thanks for sharing another story letting us know this is still true.
by SmileyFace
Sun Apr 11, 2021 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Theory: The Only Four Situations Justifying Debt
Replies: 103
Views: 7043

Re: Theory: The Only Four Situations Justifying Debt

Buying a new car I have saved extra money by taking a loan instead of paying cash - that is the only reason left for me.
I am not sure if I would call this debt since I have the money sitting in the bank and typically pay it off in a month or two (unless the loan is 0%).
by SmileyFace
Fri Apr 09, 2021 6:58 pm
Forum: Personal Investments
Topic: Consolidate Fidelity to Vanguard or not
Replies: 33
Views: 2511

Re: Consolidate Fidelity to Vanguard or not

ESPP charges are typically negotiated by company and broker - there is usually a trading fee regardless of which broker is administrating the ESPP. You can buy VTI or ITOT at Fidelity with no fees (and unlike Vanguard can also get fractional shares in these). There are many threads comparing Vanguar...
by SmileyFace
Fri Apr 09, 2021 8:05 am
Forum: Personal Finance (Not Investing)
Topic: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card
Replies: 62
Views: 5351

Re: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card

This is starting to sound like a Fidelity Forum :happy . Remember folks, we are BOGLEHEADS. It's because Fidelity provides good things for bogleheads - low (or zero) cost index funds and ETFs and other good value financial products (such as the credit card being discussed). So why shouldn't it be a...
by SmileyFace
Fri Apr 09, 2021 8:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card
Replies: 62
Views: 5351

Re: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card

I like it - no problems. Switched a few years ago after several problems with the Citi 2% card.
by SmileyFace
Fri Apr 09, 2021 6:24 am
Forum: Investing - Theory, News & General
Topic: The Emotional Side of Investing
Replies: 28
Views: 2615

Re: The Emotional Side of Investing

The only decision I have made in many years is "stay the course" - feels good to know I am on track with my goals/retirement savings. Boglehead principles work well. It's been a long time since I've made the micro decisions some are talking about here - luckily it was small amounts of mone...
by SmileyFace
Thu Apr 08, 2021 6:33 am
Forum: Personal Consumer Issues
Topic: Shoe Choice for a Walker
Replies: 33
Views: 2695

Re: Shoe Choice for a Walker

I am a fan of ASICS as well. I use hiking shoes in the woods/trails but for daily walks ASICS running shoes are fine. Understand your foot pronation and make sure whatever sneakers/shoes you buy are desinged for it (under, neutral, over) - it makes a difference. Google foot pronation and match the w...
by SmileyFace
Wed Apr 07, 2021 6:54 pm
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3297

Re: Should I buy a SLR camera without a built in flash?

A mirrorless with external flash is going to weigh less than a DSLR with built in flash. And if you go mirrorless (whether it be Nikon, Canon, or Sony) you are investing in the future rather than the past. I just leave the external flash connected (have a compact one for when I want to stay light) d...
by SmileyFace
Wed Apr 07, 2021 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Anyways to improve financial aid?
Replies: 70
Views: 3692

Re: Anyways to improve financial aid?

Appreciate all of the advice in here. Right now the highest assistance offer he has is 37k total and as he goes from a high school freshman to senior that offer will go up. Its from a school I have never heard of but if they are accredited, I'm sure its fine. Other name schools have lower offers bu...
by SmileyFace
Wed Apr 07, 2021 5:39 pm
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2574

Re: FZROX vs FSKAX

I went with FZROX. There can be a lot of speculation of which might perform better over time - the one thing you know for sure is which will have an advantage by having the lowest Expense Ratio. FZROX won the game for being the lowest. But see Financial Planning (8/14/2018) "Fidelity Zero vs V...
by SmileyFace
Wed Apr 07, 2021 2:44 pm
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2574

Re: FZROX vs FSKAX

If I was going to pay double in expenses for a fund, then somebody better do some justification of what makes the "special sauce". Actually, you aren't paying double, you are paying infinitely more expense with FSKAX. :wink: Of course with FSKAX at 0.02% that infinitely higher ER only amo...
by SmileyFace
Wed Apr 07, 2021 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired or FI, how much do you spend annually?
Replies: 286
Views: 20912

Re: How much do you spend annually in retirement?

The answers lead me to believe that any retirement spending over what I spend is "high on the hog." Anything less than that isn't. Interesting. Similar to the fact that everyone going slower than me on the road driving is a slow-poke while everyone going faster is plain-old-crazy :) For m...
by SmileyFace
Wed Apr 07, 2021 2:37 pm
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2574

Re: FZROX vs FSKAX

If I was going to pay double in expenses for a fund, then somebody better do some justification of what makes the "special sauce". Actually, you aren't paying double, you are paying infinitely more expense with FSKAX. :wink: Of course with FSKAX at 0.02% that infinitely higher ER only amo...
by SmileyFace
Wed Apr 07, 2021 2:32 pm
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1152

Re: Paper check for 401k rollover

UPDATE FOR ANYONE IN THE FUTURE THAT TRIPS ON THIS AND MIGHT BE INTERESTED: I initiated the rollover from Schwab - received the check via next-day UPS express. I then used Fidelity Mobile Deposit taking a picture of front/back check to deposit it into my IRA. Easy-peasy. Next day I had the money rei...
by SmileyFace
Wed Apr 07, 2021 2:23 pm
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2574

Re: FZROX vs FSKAX

I went with FZROX. There can be a lot of speculation of which might perform better over time - the one thing you know for sure is which will have an advantage by having the lowest Expense Ratio. FZROX won the game for being the lowest. https://youtu.be/v_H-tM1RkXA This guy ran the numbers for the p...
by SmileyFace
Wed Apr 07, 2021 10:13 am
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2574

Re: FZROX vs FSKAX

https://youtu.be/v_H-tM1RkXA This guy ran the numbers for the period starting when each Zero fund began, and the Zero funds very slightly outperformed their older Fidelity siblings (assuming reinvested dividends, of course). This was true for FZROX, FZILX, and FZNILX. But see Financial Planning (8/...
by SmileyFace
Wed Apr 07, 2021 10:08 am
Forum: Personal Investments
Topic: FZROX vs FSKAX
Replies: 29
Views: 2574

Re: FZROX vs FSKAX

I went with FZROX.
There can be a lot of speculation of which might perform better over time - the one thing you know for sure is which will have an advantage by having the lowest Expense Ratio. FZROX won the game for being the lowest.
by SmileyFace
Wed Apr 07, 2021 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Tax bill split between spouses
Replies: 81
Views: 4279

Re: Tax bill split between spouses

With a 4:1 ratio the easiest and perhaps most equitable way to do it would be for the high income earner to pay ALL the taxes. At least this is my opinion for a couple that doesn't fully combine assets/earnings and has such income unequity. We have always combined all money and for 20 years have had...
by SmileyFace
Mon Apr 05, 2021 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to file taxes before May 17?
Replies: 34
Views: 3639

Re: Any reason to file taxes before May 17?

I always file as soon as I have all my stuff. Why wait? The rate of ID-theft fraudulent returns are down but they still happen.
by SmileyFace
Fri Apr 02, 2021 3:35 pm
Forum: Personal Investments
Topic: 401K: FXAIX, FSSNX, FSMDX - good proxy to FSKAX, VTI?
Replies: 6
Views: 513

Re: 401K: FXAIX, FSSNX, FSMDX - good proxy to FSKAX, VTI?

Ratios are off - its 83/10/7 - described here: https://www.bogleheads.org/wiki/Approximating_total_stock_market Perfect!, thanks SmileyFace for your help.. This is exactly what I was looking for.. 83% Fidelity 500 Index Fund (FXAIX) 10% Fidelity Mid Cap Index Fund (FSMDX) 7% Fidelity Small Cap Inde...
by SmileyFace
Wed Mar 31, 2021 12:20 pm
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1152

Re: Paper check for 401k rollover

Fidelity will allow a Mobile Deposit of the paper check which gives me some relief.
Instructions are here:
https://www.fidelity.com/retirement-ira ... -ira-steps

thanks all for the input.
by SmileyFace
Wed Mar 31, 2021 9:50 am
Forum: Personal Investments
Topic: Employer 401K Losing Out of Matched Money
Replies: 39
Views: 2445

Re: Employer 401K Screwing Me Out of Matched Money

This is probably going to be in the live and learn column. Always understanding how matching is paid out and what parts of your pay include 401K contributions is key. This happened to me many years ago and I have since learned to plan and adjust accordingly to get full matching. I have had the same ...
by SmileyFace
Mon Mar 29, 2021 4:13 pm
Forum: Personal Consumer Issues
Topic: Battery operated garden tools
Replies: 21
Views: 3209

Re: Battery operated garden tools

Ego is the way to go.
I started with the leaf blower back in the fall. Here is the thread:
viewtopic.php?t=329150

Here it is:https://egopowerplus.com/blower-650cfm/
by SmileyFace
Mon Mar 29, 2021 10:10 am
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 255
Views: 25294

Re: High spenders what do you spend on?

You don't have a red wine habbit :)

Sounds like you are doing things right, not wrong.
by SmileyFace
Mon Mar 29, 2021 9:35 am
Forum: Personal Investments
Topic: Any experience with Toyota Income Driver Notes?
Replies: 114
Views: 13731

Re: Any experience with Toyota Income Driver Notes?

Interesting investment for all those that ask "should I take the 0% (or 0.9%) loan from TMCC" across this forum. If you are about to pay cash for your car - take the TMCC loan then invest the money back into TMCC.
by SmileyFace
Mon Mar 29, 2021 9:30 am
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1152

Re: Paper check for 401k rollover

Thanks for all the input!
by SmileyFace
Mon Mar 29, 2021 9:26 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6247

Re: Why are Subarus so popular?

Subarus are overrated in my opinion. Their overall performance, reliability, safety features and aesthitics are not particulary noteworthy compared to other brands. That nifty all wheel drive thing they have going on is a dime a dozen now. Subaru owners remind me a lot of Volvo drivers from the 80'...