Search found 6341 matches

by SmileyFace
Fri May 07, 2021 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrating candidate experiences in job search
Replies: 78
Views: 5499

Re: Frustrating candidate experiences in job search

When I looked for a job recently I let HR folks come to me - updated my linked-in profile and flipped the "recuiter only" bit over to OpenToWork and several companies reached out to me. I did apply to a few others cold on linkedin (none required a test to apply - and 2 led to multiple conv...
by SmileyFace
Fri May 07, 2021 6:29 am
Forum: Personal Consumer Issues
Topic: Did I get shilled on Ebay?
Replies: 49
Views: 6982

Re: Did I get shilled on Ebay?

If you felt it was worth $100 and put in such a max bid I don't understand why you would call that "shilled". If you aren't willing to pay it, don't bid it.
Maybe you were bidding against another family member :)
by SmileyFace
Thu May 06, 2021 12:23 pm
Forum: Personal Investments
Topic: Oxford Club Recommendations
Replies: 14
Views: 1262

Re: OXFORD CLUB RECOMMENDATIONS

Stick with ITOT.
by SmileyFace
Wed May 05, 2021 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: What is the maximum amount I should spend on financial gambling?
Replies: 84
Views: 6343

Re: What is the maximum amount I should spend on financial gambling?

You may already know this, but just as a reality check to a new forum member: your post brands you as a real outlier, not just on this site but in general. Plenty of people come here with get rich quick ideas, speculation plans, or a false sense of their financial savvy. They are often motivated by...
by SmileyFace
Wed May 05, 2021 5:05 am
Forum: Personal Finance (Not Investing)
Topic: New car purchase with credit card(s)
Replies: 19
Views: 1535

Re: New car purchase with credit card(s)

They have a max they allow you to put on a card (my last purchase they allowed up to $4000 on the card if I recall correctly but varies by dealer). They don't want to pay the fees.
by SmileyFace
Tue May 04, 2021 6:58 pm
Forum: Personal Consumer Issues
Topic: Toilet Bids
Replies: 53
Views: 4128

Re: Toilet Bids

The existing toilet is a cheap Proflo. Many people have the problem with this toilet clogging and not flushing properly. You can get a great flushing American Standard or Kohler at Home Depot or Lowes for less than $200 (for the better ones). If you don't want to install yourself plumbers in my are...
by SmileyFace
Tue May 04, 2021 5:51 pm
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2319

Re: Best options for investing for kids?

I am not in a top tax bracket and I saved thousands by using 529 rather than a taxable account. I continue to be surprused at the number of folks recommending taxable over an option that gives you 20+ years of tax-free growth. Someone also said accounting being a problem with 529s - don't get this ...
by SmileyFace
Tue May 04, 2021 12:54 pm
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2319

Re: Best options for investing for kids?

I am not in a top tax bracket and I saved thousands by using 529 rather than a taxable account. I continue to be surprused at the number of folks recommending taxable over an option that gives you 20+ years of tax-free growth. Someone also said accounting being a problem with 529s - don't get this e...
by SmileyFace
Tue May 04, 2021 6:47 am
Forum: Personal Investments
Topic: Last year of 529 payments - what to do with funds
Replies: 4
Views: 796

Re: Last year of 529 payments - what to do with funds

I don't know what these "Life Mod" funds you are talking about (maybe give more info on who holds your 529 or what state so we can decipher: Vangauard? FIdelity, Schwab, etc) but in any case - makes sense to shift all to Money Market if you are getting ready to spend the rest in a year or ...
by SmileyFace
Tue May 04, 2021 6:40 am
Forum: Personal Investments
Topic: What is your favorite retirement calculator?
Replies: 50
Views: 6668

Re: What is your favorite retirement calculator?

If you have assets at Fidelity, I really liked their Retirement Planner app: https://www.fidelity.com/retirement-planning/overview I liked the level of detail data it allows you to enter as well as the guidance to be sure you are considering all sources of income and expenses. +1. I have yet to fin...
by SmileyFace
Tue May 04, 2021 5:46 am
Forum: Non-US Investing
Topic: I took a 10yr loan to buy TSLA shares
Replies: 234
Views: 35851

Re: I took a 10yr loan to buy TSLA shares [Austria]

herbert_21 wrote: Wed Nov 18, 2020 9:29 am There is no such thing as a "tech bubble".
Hmmm....
What would you call March 10, 2000?
by SmileyFace
Fri Apr 30, 2021 3:53 pm
Forum: Investing - Theory, News & General
Topic: Have the events of the past year made you rethink any "rules"? Should they?
Replies: 26
Views: 2553

Re: Have the events of the past year made you rethink any "rules"? Should they?

It hasn't made me rethink anything but I lived through 2000 as well as 2008 and those didn't make me rethink much either (other than stopping investments in individual stocks after 2000). You are thinking of increasing stock allocation now - If there is then a big downturn will you then decide mayb...
by SmileyFace
Fri Apr 30, 2021 3:43 pm
Forum: Investing - Theory, News & General
Topic: Have the events of the past year made you rethink any "rules"? Should they?
Replies: 26
Views: 2553

Re: Have the events of the past year made you rethink any "rules"? Should they?

It hasn't made me rethink anything but I lived through 2000 as well as 2008 and those didn't make me rethink much either (other than stopping investments in individual stocks after 2000). You are thinking of increasing stock allocation now - If there is then a big downturn will you then decide maybe...
by SmileyFace
Fri Apr 30, 2021 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs for which you are mostly qualified
Replies: 26
Views: 2040

Re: Applying for jobs for which you are mostly qualified

You should apply. There may be zero candidates (or zero good candidates) that check all the boxes. My experience? I recently took a new job where I met about 75% of what they claimed to be looking for. At my last job I had to hire folks that were less qualified than I'd like due to the competitive j...
by SmileyFace
Fri Apr 30, 2021 9:45 am
Forum: Investing - Theory, News & General
Topic: Hiring an Advisor Could Increase Your Returns by $1,731,060
Replies: 77
Views: 11096

Re: Hiring an Advisor Could Increase Your Returns by $1,731,060

The key word in the headline is "Could". There is a lot we can do with that word. As many have discussed here many "Could" instantly increase their returns by a compounding 1% a year (based upon AUM) by simply dumping their advisor (if their advisor does nothing to beat average m...
by SmileyFace
Tue Apr 27, 2021 10:31 am
Forum: Investing - Theory, News & General
Topic: I don’t understand why tax loss harvesting is that beneficial
Replies: 118
Views: 8970

Re: I don’t understand why tax loss harvesting is that beneficial

Tax loss harvesting is awesome if you have a sizeable taxable account and don’t feel an obligation to hold the perfect three fund portfolio. I flipped all over the place in March 20 and saved a boatload. I do agree that at one point I ran out of funds and had to start asking questions about what ba...
by SmileyFace
Tue Apr 27, 2021 6:51 am
Forum: Investing - Theory, News & General
Topic: I don’t understand why tax loss harvesting is that beneficial
Replies: 118
Views: 8970

Re: I don’t understand why tax loss harvesting is that beneficial

Tax loss harvesting is awesome if you have a sizeable taxable account and don’t feel an obligation to hold the perfect three fund portfolio. I flipped all over the place in March 20 and saved a boatload. I do agree that at one point I ran out of funds and had to start asking questions about what ba...
by SmileyFace
Mon Apr 26, 2021 8:10 am
Forum: Personal Consumer Issues
Topic: Looking for best "value" in Patio Furniture
Replies: 45
Views: 3893

Re: Looking for best "value" in Patio Furniture

We own furniture from al at lowes and after 3 years the metal is falling apart and when it rains orange goo drips from the chairs (rust colored water!) no thanks! Sorry to hear. Sounds like you didn't buy aluminun (which doesn't rust). Sometimes you get what you pay for - need to buy the upper end ...
by SmileyFace
Sun Apr 25, 2021 12:13 pm
Forum: Personal Consumer Issues
Topic: Looking for best "value" in Patio Furniture
Replies: 45
Views: 3893

Re: Looking for best "value" in Patio Furniture

I disagree with you about Lowes sets being flimsy - we bought some Allan+Roth outdoor furniture years ago that has lasted really well. And we have had some heavy company over using the furniture many times. That said - it is aluminun (well made/welded) which sounds like is not for you. Look at teak...
by SmileyFace
Sun Apr 25, 2021 10:39 am
Forum: Personal Consumer Issues
Topic: Looking for best "value" in Patio Furniture
Replies: 45
Views: 3893

Re: Looking for best "value" in Patio Furniture

I disagree with you about Lowes sets being flimsy - we bought some Allan+Roth outdoor furniture years ago that has lasted really well. And we have had some heavy company over using the furniture many times. That said - it is aluminun (well made/welded) which sounds like is not for you. Look at teak...
by SmileyFace
Sun Apr 25, 2021 7:38 am
Forum: Personal Consumer Issues
Topic: Looking for best "value" in Patio Furniture
Replies: 45
Views: 3893

Re: Looking for best "value" in Patio Furniture

I disagree with you about Lowes sets being flimsy - we bought some Allan+Roth outdoor furniture years ago that has lasted really well. And we have had some heavy company over using the furniture many times. That said - it is aluminun (well made/welded) which sounds like is not for you. Look at teak ...
by SmileyFace
Sun Apr 25, 2021 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Thank you!
Replies: 21
Views: 2345

Re: Thank you!

Just a general thank you to all members of the forum for your expertise and insight! I've learned a great deal about investing throughout the years...almost all from this site. It's worth much more than the price of admission. Enjoy your evening! You can set your price of admission to whatever you ...
by SmileyFace
Sun Apr 25, 2021 7:06 am
Forum: Personal Investments
Topic: I bonds - Are they worth it to you?
Replies: 191
Views: 16807

Re: I bonds - Are they worth it to you?

Da5id wrote: Sun Apr 25, 2021 7:00 am
SmileyFace wrote: Sun Apr 25, 2021 6:56 am For the record - Da5id botched the quotes and misquoted me above.
Fixed
Thank you. I have seen people do some weird profiling here ("but in another thread you said...") so being misquoted has become a pet peeve of mine.
by SmileyFace
Sun Apr 25, 2021 7:01 am
Forum: Personal Investments
Topic: I savings bonds for emergency fund
Replies: 51
Views: 4507

Re: I savings bonds for emergency fund

I believe that's what most people are intending to do... I'm waiting until early May. It makes me feel better to get double the interest for 6 months compared to buying now. That is why we are waiting until May. And thus... May. We are actually waiting until the last week of May, since you get May'...
by SmileyFace
Sun Apr 25, 2021 6:56 am
Forum: Personal Investments
Topic: I bonds - Are they worth it to you?
Replies: 191
Views: 16807

Re: I bonds - Are they worth it to you?

Removed
by SmileyFace
Sat Apr 24, 2021 7:52 pm
Forum: Personal Investments
Topic: I bonds - Are they worth it to you?
Replies: 191
Views: 16807

Re: I bonds - Are they worth it to you?

It’s interesting that half the complaints about TD are about how measures they take to prevent fraud make the website un-user friendly and half are about fear of fraud. The TD website works. People love to complain. I have encountered worse government websites in my professional life. User friendly...
by SmileyFace
Sat Apr 24, 2021 7:29 am
Forum: Personal Investments
Topic: Reinvest distributions or not?
Replies: 29
Views: 2788

Re: Reinvest distributions or not?

I auto reinvest all dividends into a single holding (to avoid wash sales for TLH) - last I heard you can only do this in Vanguard's older mutual fund platform (which I am still on) - brokerage accounts don't provide this capability.
by SmileyFace
Sat Apr 24, 2021 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards - cancel or let close due to inactivity
Replies: 20
Views: 1926

Re: Credit Cards - cancel or let close due to inactivity

I would rather that my credit report show any closure as having been initiated by me rather than by the lender. Why? That's an easy question. The answer is that lenders often close cards for cause, so even if no other detail is provided, a bank looking at your report may wonder why a lender closed ...
by SmileyFace
Sat Apr 24, 2021 6:07 am
Forum: Personal Investments
Topic: Investing in Private Equity Fund
Replies: 32
Views: 2466

Re: Investing in Private Equity Fund

I wouldn't ask any questions. I would invest in index funds and fire the financial advisor.
by SmileyFace
Sat Apr 24, 2021 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Should I leave Small Company for MegaCorp?
Replies: 25
Views: 2653

Re: Should I leave Small Company for MegaCorp?

Seems like a no-brainer to me to take the job.
Do they have an ESPP as well? That would be another cherry on top.
by SmileyFace
Fri Apr 23, 2021 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards - cancel or let close due to inactivity
Replies: 20
Views: 1926

Re: Credit Cards - cancel or let close due to inactivity

I would rather that my credit report show any closure as having been initiated by me rather than by the lender. Why? That's an easy question. The answer is that lenders often close cards for cause, so even if no other detail is provided, a bank looking at your report may wonder why a lender closed ...
by SmileyFace
Fri Apr 23, 2021 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards - cancel or let close due to inactivity
Replies: 20
Views: 1926

Re: Credit Cards - cancel or let close due to inactivity

UpperNwGuy wrote: Fri Apr 23, 2021 5:37 pm I would rather that my credit report show any closure as having been initiated by me rather than by the lender.
Why?
by SmileyFace
Fri Apr 23, 2021 11:11 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads deal with social media envy, preaching and FOMO?
Replies: 53
Views: 2150

Re: How do Bogleheads deal with social media envy, preaching and FOMO?

Either stay away from social media or get new freinds and block the old ones (personally I can't commiserate with you - my friends aren't humblebragging nor discussing investments - it's all about family, sports ,etc. Unfortunately a couple bring up politics but these are easy to ignore).
by SmileyFace
Thu Apr 22, 2021 11:56 am
Forum: Personal Finance (Not Investing)
Topic: What to do if I’m not good at my job but I’m paid well?
Replies: 35
Views: 3872

Re: What to do if I’m not good at my job but I’m paid well?

How did your manager answer these questions? A good leader will coach you to greatness (or best of your ability).
Also - make sure you aren't simply suffering from imposter syndrome.
by SmileyFace
Tue Apr 20, 2021 7:29 am
Forum: Investing - Theory, News & General
Topic: I Bonds variable rate @ 3.54% in May
Replies: 177
Views: 23570

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: 3024

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: 1942

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: 3314

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: 2093

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: 215
Views: 16887

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: 6726

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: 5511

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: 1590

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: 4239

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: 60
Views: 3864

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: 492
Views: 34863

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: 186
Views: 12221

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: 965

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: 965

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: 4663

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.