Search found 8556 matches

by bloom2708
Tue Apr 13, 2021 5:27 pm
Forum: Personal Investments
Topic: ETFs / mutual funds for crypto currency?
Replies: 2
Views: 302

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: 5
Views: 522

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: 29
Views: 2555

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: 3121

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: Employee covers 90% of Medical Insurance How Does It Work And Worth Getting to 100%?
Replies: 9
Views: 822

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: 687

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: 4530

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: 3241

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: 174

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: 1425

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: 700

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: 3275

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: 2676

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: 255
Views: 18192

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: 1319

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: 3082

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: 643

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: 27
Views: 2580

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: 2266

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: 12662

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: 1920

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: 1938

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: 1920

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: 2271

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: 3476

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: 681

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: 681

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: 401

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: 3476

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: 3153

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: 630

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: 10541

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: 1183

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: 979

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: 970

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...
by bloom2708
Tue Mar 30, 2021 11:21 am
Forum: Personal Investments
Topic: Portfolio advise please
Replies: 13
Views: 1163

Re: Portfolio advise please

retired@50 wrote: Tue Mar 30, 2021 10:20 am
bloom2708
It appears he has a Rollover IRA at Schwab, which will make the backdoor Roth IRA strategy more complicated.
Good catch. I missed the Trad IRA.

It looks like OP states he qualifies for regular Roth IRA based on one income.

With one income, that likely makes sense.
by bloom2708
Tue Mar 30, 2021 8:09 am
Forum: Personal Investments
Topic: Portfolio advise please
Replies: 13
Views: 1163

Re: Portfolio advise please

I think you should stick with pre-tax 401k and Back Door Roth IRA. Paying Roth 401k tax at nearly 35% while accumulating doesn't seem to make sense. You probably are in the Back Door Roth income range, but confirm. 3 years of cash is too much. I also think you could be 70/30, 60/40 is pretty conserv...
by bloom2708
Mon Mar 29, 2021 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct not updated yet for 2020 changes
Replies: 8
Views: 743

Re: TaxAct not updated yet for 2020 changes

I too will switch next year to freetaxusa or another. It was $108 to file Fed + State this year with TaxAct.com. I can see my past 5 year cost. Last year was $54. 2 years ago $36 and so on. There may be valid reasons to hold of filing as late as possible and to consider switching even though you did...
by bloom2708
Mon Mar 29, 2021 11:16 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6224

Re: Why are Subarus so popular?

That's the point. Subarus are a humble brag. The underlying vibe i get from a lot of Subaru owners is that they have the money to buy a much nicer vehicle but they fancy themselves to be above the vulgarity of driving a nicer vehicle. They are too busy saving the world by eating cage free, gluten f...
by bloom2708
Thu Mar 25, 2021 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stay or should I go?
Replies: 47
Views: 4766

Re: Should I stay or should I go?

Tough one. If I had your investments, I'd be done. But I am 50 and not 55ish. 55ish is that much closer to 59.5. But you have plenty of taxable investments. The abrupt change might be the hardest part. More mental than anything. It sounds like you want to work and could give it a go for another year...
by bloom2708
Thu Mar 25, 2021 4:42 pm
Forum: Personal Investments
Topic: If I can be in equities when I’m in my 20s and 30s why shouldn’t I hold all equities until the day I die?
Replies: 72
Views: 6558

Re: If I can be in equities when I’m in my 20s and 30s why shouldn’t I hold all equities until the day I die?

Get to $1.5 million and then ask the same question.

You are doing great but are in mile 3 of a 26.2 mile run. :D

You can skip the first few water stops but at mile 22 you might want water.
by bloom2708
Thu Mar 25, 2021 4:26 pm
Forum: Personal Investments
Topic: Asset Allocation post divorce
Replies: 5
Views: 746

Re: Asset Allocation post divorce

Sorry about the big D. It happens. Open your MySS account and estimate if you put $0 in for some years. Your estimate assumes wages are at your last year wages. At 42, probably 70/30 add 5% either way if you want more or less risk. Put your bond allocation in the IRA and/or 401k. Stock index in Roth...
by bloom2708
Thu Mar 25, 2021 1:18 pm
Forum: Personal Investments
Topic: Qs on Mega Backdoor Roth with Fidelity
Replies: 4
Views: 405

Re: Qs on Mega Backdoor Roth with Fidelity

Do Roth 401k for the first $19,500. $6,500 extra if over 50. After-Tax can be done at the same time if you can allow the reduction in paycheck. Or wait until you hit max, then switch to after-tax. Do Option 2. "Daily". That reduces the gain on unconverted shares. Get them to Roth 401k as f...
by bloom2708
Thu Mar 25, 2021 8:17 am
Forum: Personal Consumer Issues
Topic: Toyota Highlander Hybrid
Replies: 12
Views: 1659

Re: Toyota Highlander Hybrid

The electric motor assists on acceleration and when needed (going uphill, passing a car), providing pure torque. The combination of the gas + electric should compensate for the lower HP. Our Ford Fusion Energi uses an Atkinson cycle engine (low HP, very efficient, read up on that style online) with ...
by bloom2708
Wed Mar 24, 2021 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended Car Insurance Limits?
Replies: 4
Views: 671

Re: Recommended Car Insurance Limits?

Each insurance company does it different. Shop around. Our cars are 100/300 but we have a $2 million umbrella policy. You can't do 250/500 or higher with the umbrella. Umbrella would kick in over the 100/300. A friend in Denver also has an umbrella, but his company requires 250/500 with his umbrella...
by bloom2708
Wed Mar 24, 2021 10:59 am
Forum: Personal Consumer Issues
Topic: Laptop portable power bank
Replies: 20
Views: 1349

Re: Laptop portable power bank

Something like this: https://www.amazon.com/dp/B08LVTXJRG/ref=sspa_dk_detail_0?psc=1&pd_rd_i=B08LVTXJRG&pd_rd_w=sAOUD&pf_rd_p=4269e1a0-a218-4fbd-9748-1cd337d2f2a5&pd_rd_wg=avIGx&pf_rd_r=M5AXEN1RDRHW9RMM4HRE&pd_rd_r=df3db9a8-710d-4714-ae39-f82576eb1562&spLa=ZW5jcnlwdGVkUXV...
by bloom2708
Wed Mar 24, 2021 9:52 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5794

Re: TV size question

60 to 65"

To me, the 70+ just make the pixels bigger. Imperfect content doesn't look that great.

OLED > QLED > LCD, but the $$

With decent budget, 65" OLED from LG. Just my 2 cents.
by bloom2708
Tue Mar 23, 2021 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: real-estate in the twilight of my life
Replies: 35
Views: 2313

Re: real-estate in the twilight of my life

With those numbers, stick with your ETFs. Go for a walk or bike ride or golf or hike. :D

Unless you are bored and want to start a low margin, small business with covid still jaunting about.