Search found 8569 matches

by bloom2708
Fri Apr 16, 2021 11:59 am
Forum: Personal Investments
Topic: No Bonds - How risky am I?
Replies: 41
Views: 3193

Re: No Bonds - How risky am I?

You have to ask when stocks are flying high AND after a 30% + correction.

You have to be able to be fine at both times.
by bloom2708
Fri Apr 16, 2021 11:00 am
Forum: Personal Investments
Topic: VWLUX as my bond fund
Replies: 3
Views: 817

Re: VWLUX as my bond fund

The long duration will mean that interest rate changes will equal larger swings in price. Your bond portion could fluctuate in a wider range than you might expect. Tax-exempt funds can act a bit "stock like" during market turmoil. Last March, the Fed stepped in and bought to stabilize thes...
by bloom2708
Fri Apr 16, 2021 10:41 am
Forum: Personal Investments
Topic: Changing bond allocation from 100% BND?
Replies: 8
Views: 1176

Re: Changing bond allocation from 100% BND?

Your proposed changes are reasonable. Stable value funds are not immune to rates changing. Int-Term Treasuries pay less than BND but offer less risk. Rising rates will decrease the price here as well. With a 6.6 duration for BND, you still have a 35-40 year investing horizon likely. It would also be...
by bloom2708
Fri Apr 16, 2021 9:15 am
Forum: Personal Investments
Topic: Help Request for Accounts
Replies: 11
Views: 728

Re: Help needed with account streamlining

I don't see your portfolio as overly complicated. I don't see a lot of overlap. It is well within the scope of reasonable. You maybe don't need 3 kinds of bonds/fixed in taxable, but those are all good choices. CDs are a "safe" choice, but if they help you sleep well, completely fine in th...
by bloom2708
Thu Apr 15, 2021 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Converting to Roth 401k before leaving job
Replies: 1
Views: 218

Re: Converting to Roth 401k before leaving job

Not a good plan.

If you can convert it would be additional income and push you up into a higher tax bracket.

You want to do Roth conversions when income is low. Way down the road.

Leave it where it is and roll it to your new 401k at your new company.
by bloom2708
Thu Apr 15, 2021 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 174
Views: 10410

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

I had hoped to keep the college name/reputation vague because it's not really relevant to the questions I'm asking about advice on arranging my finances to maximize the potential of financial aid in future years - if any is potentially forthcoming. You don't get any financial aid. There, that is se...
by bloom2708
Thu Apr 15, 2021 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Next Steps for Young-ish Newlyweds?
Replies: 11
Views: 978

Re: Next Steps for Young-ish Newlyweds?

For the cash, what part is Emergency Fund/near term spending and what part is house down payment? You do not want to take your cash too low. Owning a house is much more expensive than renting no matter what the base payment suggests. Let's say $40k is house down payment. If you can put 10% down, tha...
by bloom2708
Thu Apr 15, 2021 8:25 am
Forum: Personal Investments
Topic: 529 plan allocation for a 2022 graduate
Replies: 3
Views: 299

Re: 529 plan allocation for a 2022 graduate

I think your choices are reasonable. We got pretty conservative when the kids were 1 year out. Especially if the amount is "enough". If the kid plans on going to an $80k/year school, maybe you want to be 30-50% stocks, but the market gains won't make up shortfalls. More contributions will....
by bloom2708
Wed Apr 14, 2021 1:34 pm
Forum: Personal Consumer Issues
Topic: Offering position to candidate interviewed 7 months ago
Replies: 22
Views: 1181

Re: Offering position to candidate interviewed 7 months ago

Seems like part of the reason LinkedIn exists.

You can message directly in LinkedIn. Good luck!
by bloom2708
Wed Apr 14, 2021 1:20 pm
Forum: Personal Investments
Topic: Planning a MAJOR rebalance of a Rollover 401(k)
Replies: 3
Views: 261

Re: Planning a MAJOR rebalance of a Rollover 401(k)

With that retirement date, today or tomorrow I'd do the re-arranging. No tax consequences in a Rollover IRA or Roth IRA. Those 3 funds are good, broad market funds. I'm a 10-10% international person, especially entering retirement. Others go up to 40-50% international. Look at your portfolio as a wh...
by bloom2708
Wed Apr 14, 2021 12:49 pm
Forum: Personal Consumer Issues
Topic: 2021 Wrangler Rubicon unlimited
Replies: 29
Views: 2158

Re: 2021 Wrangler Rubicon unlimited

Buy a used, older jeep for rock crawling.

You do not want to take a new 2021 for serious rock crawling.
by bloom2708
Wed Apr 14, 2021 11:16 am
Forum: Personal Consumer Issues
Topic: Lawn care question
Replies: 38
Views: 2669

Re: Lawn care question

Pull as many as you can. Mowing spreads weeds. Scotts Weed & Feed granular is a good product. Get a hand or wheeled drop spreader. Overseed and water once weeds are knocked back. You may have to spray individual weeds with lawn safe weed killer if you can't pull them up. Weeds are pretty relentl...
by bloom2708
Wed Apr 14, 2021 10:51 am
Forum: Personal Finance (Not Investing)
Topic: How to estimate how much you can spend?
Replies: 14
Views: 1099

Re: How to estimate how much you can spend?

One easy answer: Quite a bit more than you currently are.

My parents are mid-70s and take pride in their account balances going up every month/year. They save part of their SS and pension checks.

They know what they are doing. They just have no interest in much spending. It happens.
by bloom2708
Tue Apr 13, 2021 5:27 pm
Forum: Personal Investments
Topic: ETFs / mutual funds for crypto currency?
Replies: 5
Views: 508

Re: ETFs / mutual funds for crypto currency?

PayPal isn’t shady. You can buy in PayPal quite easily.

Fees apply.

An ETF at this point would not be the same.
by bloom2708
Tue Apr 13, 2021 12:55 pm
Forum: Personal Consumer Issues
Topic: Help, anyone else use OneDrive?
Replies: 13
Views: 1482

Re: Help, anyone else use OneDrive?

Log on to Onedrive.com and check your Trash folder.

Files that are deleted are not deleted right away.

It is not a backup. It is a sync/mirror service. If you delete from PC A, it "syncs" PC B to that same action.
by bloom2708
Mon Apr 12, 2021 7:24 pm
Forum: Personal Investments
Topic: Alternative to Total Bond?
Replies: 46
Views: 4557

Re: Alternative to Total Bond?

What is “substantial”?

Money market or CD.

I use Int-Term Treasury Index.

If your investment horizon is 6+ years you should be just fine.
by bloom2708
Mon Apr 12, 2021 8:46 am
Forum: Personal Consumer Issues
Topic: What do you do with well worn clothing?
Replies: 39
Views: 3231

Re: What do you do with well worn clothing?

Rags or trash. Well worn is at the end of its life cycle.
by bloom2708
Mon Apr 12, 2021 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Employer covers 90% of Medical Insurance How Does It Work And Worth Getting to 100%?
Replies: 11
Views: 1000

Re: Employee covers 90% of Medical Insurance How Does It Work And Worth Getting to 100%?

I think you need to clarify if you are talking premiums or cost of services. If you have a procedure that costs $10k, you might be on the hook for 10% after the deductible is hit. There is a premium cost (can be known), deductible (known) and then after deductible, 100%, 90%, 80% coverage and a cost...
by bloom2708
Mon Apr 12, 2021 7:40 am
Forum: Personal Investments
Topic: Index ETF or Index Mutual fund for brokerage acct
Replies: 8
Views: 721

Re: Index ETF or Index Mutual fund for brokerage acct

I like the mutual fund because you can buy in amounts, not shares. When I invest I send $500 or $1,000 to taxable. Buying the ETF always leaves the remainder un-invested. If you put $500 in and the share price is $220, you can buy 2 shares, leaving $60 in Settlement. The ETF trades like a stock (pri...
by bloom2708
Fri Apr 09, 2021 2:57 pm
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4578

Re: The Great Swing Set Dilemma

Do you have a Rainbow dealer in your area?

https://www.rainbowplay.com/

Ours lasted through 3 kids. I gave it away on Craigslist and was still in decent enough shape. Needed a few new parts.

Prices are not for the faint of heart.
by bloom2708
Fri Apr 09, 2021 2:18 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 54
Views: 3345

Re: Travel Trailer vs My Pickup Truck: Specs?

Maybe if you camp in a 10-30 mile circle.

6 cylinder. Too close to the maxes for any real/distance towing for me.
by bloom2708
Fri Apr 09, 2021 1:23 pm
Forum: Investing - Theory, News & General
Topic: Rollover a 401k with combined traditional and Roth?
Replies: 1
Views: 176

Re: Rollover a 401k with combined traditional and Roth?

The pre-tax portion rolls to a Traditional Rollover IRA. The Roth part rolls to your regular Roth IRA. Funds are usually liquidated and checks are sent to the destination broker. Best to work with the place where the funds will end up. Pull the funds. They will contact the current 401k provider. I h...
by bloom2708
Fri Apr 09, 2021 7:54 am
Forum: Personal Consumer Issues
Topic: How do I learn to buy a car?
Replies: 15
Views: 1436

Re: How do I learn to buy a car?

Save some money, find the car you want, find a good enough price, buy the car, don't buy a bunch of add ons.

Find your nearest Subaru dealer. Find a Subaru Crosstrek in the price and color you want, test drive, buy.

Why that car? That is what the magic 8 ball told me. :D
by bloom2708
Thu Apr 08, 2021 1:20 pm
Forum: Personal Consumer Issues
Topic: High demand - sell my 2004 Suburban?
Replies: 7
Views: 703

Re: High demand - sell my 2004 Suburban?

I would keep it unless there are more deferred maintenance/issues that you know of. You put the $4,500 in. You know it by this point and hopefully trust it. Plus the tax and license fees. I always get a little less than I think for my car and pay more than I think for the next car. Reducing my net b...
by bloom2708
Wed Apr 07, 2021 3:09 pm
Forum: Personal Consumer Issues
Topic: The best $10,000 to $15,000 vehicle.
Replies: 42
Views: 3307

Re: The best $10,000 to $15,000 vehicle.

I'd suggest buying a Lexus ES 330 or ES 350. I'd look for an original owner, for sale by owner, inspected, with documented oil changes. Keep the oil changed, they'll run forever. We still have a 2005 Lexus ES 330. 84k miles now. Wow is that a well built car. Just rides so nice and quality. No plans...
by bloom2708
Wed Apr 07, 2021 1:10 pm
Forum: Personal Consumer Issues
Topic: Shoe Choice for a Walker
Replies: 33
Views: 2691

Re: Shoe Choice for a Walker

For walking on smooth surfaces, running shoes that work for you are best. I like supportive and cushioned shoes. If I wear a cushion only with no support structure my feet tell me. Brooks Adrenaline GTS are my go to shoes. Version 20/Version 21 are both fantastic. But, each person has to know what w...
by bloom2708
Wed Apr 07, 2021 9:15 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 281
Views: 20677

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

I think a person has to be willing to drive cars with some/bunches issues after 150,000 and especially over 200,000 miles. Clunks and clanks and suspension/shocks/struts that type of area really take a beating. Especially if you are in the rust belt. Parts just disintegrate at times. I can see buyin...
by bloom2708
Wed Apr 07, 2021 9:04 am
Forum: Personal Investments
Topic: Retirement readiness and plan
Replies: 9
Views: 1330

Re: Retirement readiness and plan

Have you used any tools like Firecalc to get a level of confidence? If I divide $110,000 by .04 I get $2,750,000. Basic 4% withdrawal rate. Simple calculation to gauge ballpark. I'd start a spreadsheet and chart your income path to 65 and 70. With one being 10 years younger, that also adds complicat...
by bloom2708
Tue Apr 06, 2021 3:37 pm
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3087

Re: Should I replace 2 or 4 tires?

Buy 4 new. Rotate every oil change.

You may want to have an alignment as part of the tire change. Those are some different wear numbers.

You could probably put the 2 with 5/32 on the back if not AWD. 8.5 is low tread for new.

11/32nd is more standard. Must be high performance tires.
by bloom2708
Mon Apr 05, 2021 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for new house
Replies: 3
Views: 693

Re: How to pay for new house

Plan for your house to be 20% more than you think and plan for a stock market slide. How do those two calibrate in?

Building with building materials at near crazy costs. I'd think about it for a while.
by bloom2708
Mon Apr 05, 2021 7:35 pm
Forum: Personal Consumer Issues
Topic: fire pit recommendations
Replies: 33
Views: 3375

Re: fire pit recommendations

Breeo smokeless.

Good quality.
by bloom2708
Mon Apr 05, 2021 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford?
Replies: 28
Views: 2270

Re: How much house can we afford?

"Savings: 70k in checking for down payment/emergency fund" If you have $30k for an Emergency Fun, you have $40k for a down payment/closing costs/immediate costs. That equates to a $200k house with 20% down. You can't use the full $70k because then you have no EF. I would keep saving if a $...
by bloom2708
Mon Apr 05, 2021 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else see drastic increase in Zillow value today?
Replies: 132
Views: 12727

Re: Anyone else see drastic increase in Zillow value today?

When similar houses in your area sell, your price may change quite a bit.

I wouldn't worry about $20k. Ours seems to fluctuate in a $50k range. I stopped looking and just keep a middling number for the house.
by bloom2708
Mon Apr 05, 2021 2:17 pm
Forum: Personal Consumer Issues
Topic: Buying pantry items in bulk
Replies: 22
Views: 1923

Re: Buying pantry items in bulk

I find Amazon pantry items to be much more expensive than I pay at a regular grocery store. First, analyze what pantry items your family will actually use. Definitely don't bulk buy anything you don't currently use. I have the best luck at our Kroger affiliate and their case lot sale. We buy canned...
by bloom2708
Mon Apr 05, 2021 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy for having a high deductible?
Replies: 18
Views: 1940

Re: Am I crazy for having a high deductible?

I think you are fine. We chose $5,000 for home. It is unlikely we would file a claim for your scenario. Have you asked what will happen to your rate with this claim? Maybe you get a grace claim? Insurance is a quandary. You need it, but rarely want to use it. In a similar scenario we were told we wo...
by bloom2708
Mon Apr 05, 2021 10:35 am
Forum: Personal Consumer Issues
Topic: Buying pantry items in bulk
Replies: 22
Views: 1923

Re: Buying pantry items in bulk

Canned beans (black, pinto, cannelli, garbanzo) and brown rice.

Beans and rice. A complete meal.
by bloom2708
Mon Apr 05, 2021 8:23 am
Forum: Personal Consumer Issues
Topic: Bike Rack (Roof) for 2015 Honda Accord
Replies: 8
Views: 536

Re: Bike Rack (Roof) for 2015 Honda Accord

I'd go with Thule or Yakima. You will need towers. With likely no roof rails, you need the type that anchor inside the door frame. You can search by vehicle. Then you need cross bars (aero or regular) and/or the bike rack add on. A car without the rails running from front to back is always a bit tri...
by bloom2708
Sun Apr 04, 2021 12:28 pm
Forum: Personal Consumer Issues
Topic: Costco organic chicken / eggs
Replies: 23
Views: 2275

Re: Costco organic chicken / eggs

Watch “Cowspiracy” on Netflix.
by bloom2708
Sun Apr 04, 2021 6:23 am
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3483

Re: Duolingo

I do like it though. Currently doing Finnish (Minulla on suuri Boglehead). Minulla on suuri Boglehead = I have a big Boglehead Minä olen suuri Boglehead = I am a great Boglehead I believe you meant the latter. Good luck with your studies :beer 🤓 I actually meant the first one. On purpose. Thanks Du...
by bloom2708
Fri Apr 02, 2021 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Savings vs. Retirement Savings
Replies: 6
Views: 682

Re: Housing Savings vs. Retirement Savings

One idea would be to move where your salary stays the same but the cost of living is lower. Not everyone is mobile, but if house prices and down payments are out of line with your salary, then moving is an option. No easy answers. Let's say you stopped retirement saving completely. How many months/y...
by bloom2708
Fri Apr 02, 2021 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Housing Savings vs. Retirement Savings
Replies: 6
Views: 682

Re: Housing Savings vs. Retirement Savings

Lots of trade-offs on this journey. If you think renting is expensive, owning is another dimension of expensive. :annoyed If you just compare the payment to your potential mortgage payment, you might say "boy that is cheap". But there are so many more expenses to owning. Insurance, propert...
by bloom2708
Fri Apr 02, 2021 10:57 am
Forum: Personal Investments
Topic: Ready to start a taxable account (I think)
Replies: 3
Views: 404

Re: Ready to start a taxable account (I think)

Do you have an ESPP plan you could "harvest" and sell quarterly? It becomes a rolling buy/sell. I would put your brokerage/taxable next to your Roth IRA. Or next to your 401k. If you prefer Fidelity or Vanguard. Total US stock index or Total World Stock index are 2 good starting points. De...
by bloom2708
Thu Apr 01, 2021 8:51 pm
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3483

Re: Duolingo

Duolingo can maybe get you 20% there. It gets you the basics and a few thousand words. I do like it though. Currently doing Finnish (Minulla on suuri Boglehead). I completed Swedish a couple years back. Certainly not fluent I use the free version. Ads play after each lesson. Load it on your phone or...
by bloom2708
Thu Apr 01, 2021 3:10 pm
Forum: Personal Consumer Issues
Topic: Will building material costs return to Earth? Bonus (?): Deck Material Selection
Replies: 25
Views: 3170

Re: When To Build A Deck (Lumber Price)

I would say part of the reason prices are high is because people are willing to buy "all they can use" at the current prices. Call it Covid, supply issues, high demand, trees are scarce, etc. Guessing at lumber prices might be similar to guessing at stock prices. For a deck, if each board ...
by bloom2708
Thu Apr 01, 2021 10:59 am
Forum: Personal Investments
Topic: Brand new to ESPP and at a loss - Participate vs Increase 401k Contributions
Replies: 16
Views: 631

Re: Brand new to ESPP and at a loss - Participate vs Increase 401k Contributions

Do ESPP only after maxing 401k, Roth, HSA.

It falls in the taxable investing to me. Not all can/should do it until income/savings reach a certain level.
by bloom2708
Thu Apr 01, 2021 8:20 am
Forum: Investing - Theory, News & General
Topic: What am I missing? Don't max out your 401k.
Replies: 80
Views: 10600

Re: What am I missing? Don't max out your 401k.

I saw that article as well. My wife and I are applying the information from the article differently. We will continue to maximize any employer match that may be available. After that, my wife and I will contribute the maximum amount to our Roth IRA accounts, and then we will invest in taxable if th...
by bloom2708
Wed Mar 31, 2021 4:48 pm
Forum: Personal Consumer Issues
Topic: Is it time to replace my Roku 3?
Replies: 18
Views: 1185

Re: Is it time to replace my Roku 3?

The processor and RAM updates on the units makes the newest models much faster and a much better experience. The Gen 2 Fire TV Cube is a big improvement over the Gen 1 Fire TV Cube. The Fire TV Boxes and Cubes have much better processor/RAM than the Fire TV Sticks. The Apple TV 4k's we have are very...
by bloom2708
Wed Mar 31, 2021 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Renting our House
Replies: 12
Views: 980

Re: Renting our House

I think you have talked yourself into it. I can think of one reason not to: Extra complications Yes, the property manager can deflect some of the things that come up, but you are still the CEO of your small business. My friend with rentals is $16k behind in rents and cannot evict. Multiple times my ...
by bloom2708
Wed Mar 31, 2021 12:05 pm
Forum: Personal Consumer Issues
Topic: Can't remove old shower head
Replies: 38
Views: 1871

Re: Can't remove old shower head

Vise grip + Hammer.
by bloom2708
Wed Mar 31, 2021 8:18 am
Forum: Personal Investments
Topic: Intermediate Bond Funds Conundrum
Replies: 6
Views: 972

Re: Intermediate Bond Funds Conundrum

Stick with Total US Bond unless you plan to spend this specific money in 0-2 years. Total Bond, Intermediate Bond, Intermediate Treasuries are all fine. If rates continue to rise, the price will drop some (much less than stocks can drop), but the fund will pay more interest over the duration (~6.5 y...