Search found 2215 matches

by Trader Joe
Tue Apr 13, 2021 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: I just became a victim of identity theft - What to do now?
Replies: 19
Views: 1338

Re: I just became a victim of identity theft - What to do now?

I just received a phone call from a major department store telling me that someone tried to open a credit card account with my SSN. Luckily the department store was suspicious and denied the application. The department store said the reason they denied the application was because the application co...
by Trader Joe
Mon Apr 12, 2021 7:35 pm
Forum: Personal Investments
Topic: Fidelity pushing deferred annuity
Replies: 14
Views: 1306

Re: Fidelity pushing deferred annuity

I just retired and have company 401k with Fidelity in target date fund. Want to rollover to IRA following Boglehead three fund portfolio. I thought it would be easier to stay with Fidelity, so I identified Fidelity Total Market Index Fund, Fidelity Total International Index Fund, Fidelity U.S. Bond...
by Trader Joe
Sun Apr 11, 2021 7:46 pm
Forum: Personal Consumer Issues
Topic: Would (did) you preemptively replace your Roof Shingles
Replies: 51
Views: 3356

Re: Would you preemptively replace your Roof

If your roof is nearing the end of it's estimated useful life, would you (have you) preemptively replace(d) it? Seems risky to wait for it to fail and run the risk of incurring additional expenses relating to fixing the damage from the failure. Some seem to suggest damage would be covered by insura...
by Trader Joe
Sat Apr 10, 2021 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do budgets work?
Replies: 122
Views: 4786

Re: Do budgets work?

This morning, I read a Tweet I found depressing: "In 13 years as a financial advisor, I've never seen anyone actually turn their life around with a budget. They either earn their way out of their spending habits, or they are in debt forever." Do you agree? No I do not agree. Budgets work.
by Trader Joe
Sat Apr 10, 2021 5:44 pm
Forum: Investing - Theory, News & General
Topic: My Vanguard account blocked or site down?
Replies: 21
Views: 1615

Re: My Vanguard account blocked or site down?

Petdoc51 wrote: Sat Apr 10, 2021 9:32 am Anyone else having problems accessing their Vanguard account? My problem started yesterday when the app wouldn't let me complete a transaction. Today I can't get into my account through the app nor online.
No, not at all.
by Trader Joe
Wed Apr 07, 2021 7:46 pm
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 101
Views: 8585

Re: What is your contrarian/alternative play?

Hi everyone! I want to ask those Bogleheads, who have deviated away from the traditional 3-fund portfolio, what is your current contrarian/alternative asset play? For me personally, after doing a heavy dive into macroeconomics, I have started to allocated a minor portion to BTC and a slightly large...
by Trader Joe
Wed Apr 07, 2021 7:21 pm
Forum: Investing - Theory, News & General
Topic: TSLA gamed the system - Could Index Funds Be ‘Worse Than Marxism’?
Replies: 108
Views: 11335

Re: TSLA gamed the system - Could Index Funds Be ‘Worse Than Marxism’?

"TSLA gamed the system - Could Index Funds Be ‘Worse Than Marxism’?"

No.
by Trader Joe
Wed Apr 07, 2021 7:15 pm
Forum: Personal Consumer Issues
Topic: Gmail asking for birthdate
Replies: 14
Views: 1626

Re: Gmail asking for birthdate

Hayden wrote: Wed Apr 07, 2021 3:57 pm Whenever a website asks for my birthday, I give them a fake one. I think some of them are just checking that I am over 18
+1
by Trader Joe
Wed Apr 07, 2021 7:10 pm
Forum: Investing - Theory, News & General
Topic: LIVE interview with Bill Bernstein, author of "The Delusions of Crowds: Why People Go Mad in Groups"
Replies: 15
Views: 3139

Re: LIVE interview with Bill Bernstein, author of "The Delusions of Crowds: Why People Go Mad in Groups"

For myself, I own and I only refer to all of John Bogle's books.

I do not need any other investment related books.
by Trader Joe
Wed Apr 07, 2021 11:31 am
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 238
Views: 46986

Re: who here is tempted to pullback on stocks?

I know that bogleheads do not time the market. This thread isn't for you, or the "stay the course" comments. I know that, i get that, and I live that. My question is simply - if you are tempted to take profits and shift some to cash, are you going to do it or are you going to resist? I am...
by Trader Joe
Tue Apr 06, 2021 6:48 pm
Forum: Personal Investments
Topic: Senior Collge Student Earned $600,000 Needs Guidance
Replies: 20
Views: 3323

Re: Senior Collge Student Earned $600,000 Needs Guidance

My 22-year old college son just earned $600,000 in the last two months for creating videos on Snapchat. He knows he was very lucky. His college is paid for and he doesn't have any student loans. He owns a paid-for car. He plans to open a SEP-IRA. We would appreciate any thoughts or suggestions on t...
by Trader Joe
Tue Apr 06, 2021 6:40 pm
Forum: Investing - Theory, News & General
Topic: Schwab's take on bitcoin
Replies: 44
Views: 4341

Re: Schwab's take on bitcoin

This article discusses the basics of cryptocurrency and Schwab's point of view about whether they should be included in your investment portfolio. Comments? https://www.schwab.com/resource-center/insights/content/bitcoin-does-it-have-place-your-portfolio Are you planning to add Bitcoin to your port...
by Trader Joe
Tue Apr 06, 2021 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: What is the expected percentage (raise) for a manager position?
Replies: 24
Views: 2270

Re: What is the expected percentage (raise) for a manager position?

I have been notified officially of my upcoming promotion as a manager for a small accounting department in a private company. Soon I will get an offer to sign and accept and I expect there would be a raise as well. How much (percentage) should I expect or negotiate before accepting the offer? I don...
by Trader Joe
Tue Apr 06, 2021 4:15 pm
Forum: Personal Consumer Issues
Topic: Wife Beating Me Up over cost of Landscaping Job
Replies: 20
Views: 2537

Re: Wife Beating Me Up over cost of Landscaping Job

Hi Bogleheads, There was another thread on this subject but I didn't quite get the answer I was looking for. Anyway, my property had really bad drainage when we moved in a few years ago. 2200 Sq. Ft House on a Half-Acre Lot. The backyard lawn doesnt extend to the entirety of the property as the las...
by Trader Joe
Mon Apr 05, 2021 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Your recommended banks for High Yield Savings & CDs
Replies: 46
Views: 4706

Re: Your recommended banks for High Yield Savings & CDs

Try using a credit union to find a "high"-yield savings account. Banks have to pay outside shareholders and corporate income taxes. Credit unions pay no corporate income tax and have no outside shareholders. If they are doing well, the money gets distributed back to members in the form of...
by Trader Joe
Mon Apr 05, 2021 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford?
Replies: 28
Views: 2266

Re: How much house can we afford?

My wife and I are just starting the search for a home. We are trying to determine what a reasonable purchase price would be. We are both on the conservative side of the spending spectrum, but of course we receive encouragement from family/friends on what would be a "reasonable" home price...
by Trader Joe
Mon Apr 05, 2021 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Adding GF to work benefits
Replies: 24
Views: 2032

Re: Adding GF to work benefits

My company has the option to add a "domestic partner" to my benefits, if I meet certain criteria with the relationship (which I do, this is a long time live-with GF scenario). The only "gotcha" with this since it is a domestic partner (and not a spouse) any health insurance cost...
by Trader Joe
Mon Apr 05, 2021 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for new house
Replies: 3
Views: 637

Re: How to pay for new house

I am considering having a custom home built. DW would really like to move into the new house before getting the old house cleaned up and put up for sale. I am retired with a pension that meets our monthly expenses and the new house money would come from taxable savings . I could pay cash for the ne...
by Trader Joe
Mon Apr 05, 2021 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Your recommended banks for High Yield Savings & CDs
Replies: 46
Views: 4706

Re: Your recommended banks for High Yield Savings & CDs

Try using a credit union to find a "high"-yield savings account. Banks have to pay outside shareholders and corporate income taxes. Credit unions pay no corporate income tax and have no outside shareholders. If they are doing well, the money gets distributed back to members in the form of...
by Trader Joe
Sat Apr 03, 2021 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Do I keep 2 vehicles or 1 vehicle?
Replies: 27
Views: 2773

Re: Do I keep 2 vehicles or 1 vehicle?

I am seeking outside perspective on a vehicle scenario I have been presented with. I have the opportunity to purchase a 5 year old truck valued at 35k for 5k (approximately 85% off). The truck is well maintained and will last for many years. It has a gas guzzling motor and averages approximately 13...
by Trader Joe
Sat Apr 03, 2021 7:52 am
Forum: Personal Consumer Issues
Topic: Would you give money to close friends to live in same neighborhood?
Replies: 45
Views: 2943

Re: Would you give money to close friends to live in same neighborhood?

We have close family friends (older husband/wife) that are essentially family (she's basically acted as a 2nd mother to my wife) who sold their previous home and are trying to move into the suburbs. As home prices have skyrocketed, they have so far been unsuccessful finding a new home and have been...
by Trader Joe
Fri Apr 02, 2021 7:43 pm
Forum: Forum Issues and Administration
Topic: Posting asset allocation in signature
Replies: 8
Views: 1066

Re: Posting asset allocation in signature

bitdocmd wrote: Fri Apr 02, 2021 2:05 pm Why do Bogleheads place their asset allocation in the signature?

Is it a way to document asset allocation? Is it a way to remind you of your IPS?

I'm curious!
I am not sure. I have never paid any attention to that.
by Trader Joe
Fri Apr 02, 2021 6:48 pm
Forum: Investing - Theory, News & General
Topic: 30 Years and 100% VTI
Replies: 111
Views: 12409

Re: 30 Years and 100% VTI

Let's say you're going to be away from your investments for 30 years and will never add another dime or see your portfolio. The point is to take human emotion out of the equation completely, so you're Tom Hanks in Cast Away for 30 years and can't find out what the markets are/economy is doing if yo...
by Trader Joe
Thu Apr 01, 2021 8:01 pm
Forum: Investing - Theory, News & General
Topic: VG Rep change out of the blue
Replies: 6
Views: 421

Re: VG Rep change out of the blue

SpartanFan wrote: Thu Apr 01, 2021 7:57 pm After logging into my account today I noticed that my VG rep that I have had for years has changed. No one called or sent notice to me of this change. New guy is called a RELATIONSHIP MANAGER.

Anyone know whats going on?
When you called Vanguard to ask this question what did they say?
by Trader Joe
Thu Apr 01, 2021 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you trust the current value of your portfolio?
Replies: 130
Views: 9179

Re: Do you trust the current value of your portfolio?

I have a number for my retirement. However, the number was reached far faster than I expected. So I am seriously considering to retire at the end of this year or next year (dependent upon my son's employment status). When I read around (on similar forums), it seems that everyone's portfolio grows a...
by Trader Joe
Mon Mar 29, 2021 8:00 pm
Forum: Investing - Theory, News & General
Topic: Market crashes. Who causes them?
Replies: 42
Views: 3780

Re: Market crashes. Who causes them?

Who sells off all the stocks that create market crashes? I have read that institutions hold around 78% of all stocks in the US market. I find it hard to believe that these professionals would panic sell enough to create an actual market crash. Yet, it seems unlikely that the remaining 22% of shares...
by Trader Joe
Mon Mar 29, 2021 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Divorced, bought out of house, where to store the equity?
Replies: 10
Views: 1398

Re: Divorced, bought out of house, where to store the equity?

Divorced at the beginning of the year. My ex bought me out of the condo we owned and now I am sitting on the equity in cash. Moved into an apartment with a year left on the lease. I am 32, living in phoenix, and think I'll stay here. I'd ultimately like to set down roots and buy again, but the mark...
by Trader Joe
Mon Mar 29, 2021 5:28 pm
Forum: Personal Consumer Issues
Topic: What to do with 20 year old Bosch Dishwasher
Replies: 33
Views: 2312

Re: What to do with 20 year old Bosch Dishwasher

My 20 year old Bosch dishwasher continues to work well (my understanding is that is way longer than expected). As I have only been in this house for 4.5 years, I have no idea if any maintenance has ever been done. I am not well versed in home maintenance, and there is a chance I move to another hou...
by Trader Joe
Mon Mar 29, 2021 10:56 am
Forum: Personal Investments
Topic: Vanguard site issues
Replies: 54
Views: 4559

Re: Vanguard site issues

swansong wrote: Mon Mar 29, 2021 8:56 am Anyone else experiencing issues at Vanguard? No quotes available, pop-up says limited trades allowed? Anyone know what the problem is?
No. Everything is working great.
by Trader Joe
Sun Mar 28, 2021 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I quit/retire? Not a financial matter
Replies: 35
Views: 3496

Re: Should I quit/retire? Not a financial matter

Thoughts on quitting came up more and more often in my mind these days. While financial numbers are an element in my consideration, there is really something else I'm struggling with. Here is my story: I was hired for my current position prior to pandemic to build up a new team and lead a new proje...
by Trader Joe
Sat Mar 27, 2021 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5 mil house with 5 mil net worth, too much?
Replies: 74
Views: 8473

Re: 2.5 mil house with 5 mil net worth, too much?

Our family of 4 has outgrown our house. We are looking at getting a new place but real estate is crazy these days and we don't find anything that we like that is under 2.5 million. Our net worth, not counting the value of our current place is a little under 5 million and we are in our late 40s. Wit...
by Trader Joe
Sat Mar 27, 2021 7:29 pm
Forum: Personal Consumer Issues
Topic: From your personal experience, bathroom in finished basement?
Replies: 37
Views: 2725

Re: From your personal experience, bathroom in finished basement?

Mostly looking for a simple yes or no, from your experience. We’re refinishing our 600 sf basement and we’re thinking of adding a small half bath. It’s not overly costly but takes up a little more room than we’d like, so now we’re a bit hesitant, but don’t want to regret not doing it (though based ...
by Trader Joe
Wed Mar 24, 2021 8:38 pm
Forum: Personal Consumer Issues
Topic: Air fryers
Replies: 26
Views: 3340

Re: Air fryers

Dontwasteit wrote: Fri Sep 11, 2020 8:10 pm Who is enjoying their air fryer? What have you made in it?
Nothing. It has been in its original box in the closet for several years now. Unused.
by Trader Joe
Wed Mar 24, 2021 4:27 pm
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 120
Views: 10239

Re: Men's Cologne

Hi All, Looking for recommendations for men's cologne. I'm married, early 50's I.T. manager. Not looking for anything daring, just a safe, smell good masculine cologne. Formerly used Polo Blue and looking for a change. Not looking to spend $50/ounce either. Any favorites? TIA, SyrDave 1. For work, ...
by Trader Joe
Sun Mar 21, 2021 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs to Work From Home 100%
Replies: 8
Views: 741

Re: Switching Jobs to Work From Home 100%

I am seeking advice on switching jobs, specifically for a role that is 100% work from home. My family just wrapped up a 2 year traumatic event with my young son, who is now a cancer survivor (very rare cancer that required us to travel to multiple hospitals). He has some needs that are unique to hi...
by Trader Joe
Sun Mar 21, 2021 8:20 pm
Forum: Personal Investments
Topic: NEW INCOME...Where should I put it?
Replies: 6
Views: 685

Re: NEW INCOME...Where should I put it?

My wife (36) is finishing up grad school this spring and starting work as an SLP this fall, which means we will have an additional income of about 75k per year starting out. I am 34 years old, a teacher in Los Angeles, currently making 69k per year. Our rent, daycare, and other expenses eat up most...
by Trader Joe
Sun Mar 21, 2021 8:10 pm
Forum: Personal Consumer Issues
Topic: Live on a lake in Florida?
Replies: 40
Views: 5388

Re: Live on a lake in Florida?

There are many small man-made lakes in Florida. I am not sure if they are decorative but they are clearly too small to boat or canoe on. Does anyone know the pros and cons of living on a lake in Florida? Thanks in advance. Rosevelt. Pros: Fishing, Photography, Wildlife, Outdoors. Fun, Happiness. Co...
by Trader Joe
Sun Mar 21, 2021 7:47 pm
Forum: Personal Consumer Issues
Topic: budget espresso maker
Replies: 67
Views: 3728

Re: budget espresso maker

My friend told me about his $1700 espresso maker. Kinda looked at my $100 Mr. Coffee and thought "is it time for a replacement"? Part of the issue is it just can't steam past the fine grinds. Seems to get a little slow even after doing a vinegar cleanse. Dear wife would never go for $1700...
by Trader Joe
Sun Mar 21, 2021 7:42 pm
Forum: Personal Consumer Issues
Topic: Dog DNA Test
Replies: 49
Views: 4326

Re: Dog DNA Test

I'm a skeptic, but change my mind. What test is best? We just adopted a 3 month old Heinz 57. Reports say the mom looked like a Shepherd of sorts, but the dad went out for cigarettes and never came back. Go for it. I think you will enjoy the results: https://www.amazon.com/Embark-Identification-Res...
by Trader Joe
Sun Mar 21, 2021 7:37 pm
Forum: Investing - Theory, News & General
Topic: Why can't we have another 20 years of bull market?
Replies: 224
Views: 17964

Re: Why can't we have another 20 years of bull market?

"Why can't we have another 20 years of bull market?"

There is no real reason that we cannot.
by Trader Joe
Sun Mar 21, 2021 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Use VTIP to park Emergency fund
Replies: 12
Views: 1528

Re: Use VTIP to park Emergency fund

Hello everyone, newbies here. I'm a 27 yo male with a stable income and have 30k invested in VTSAX, BND, and some target-date fund. Given the current "High-Yield" Saving Account only offer 0.5% APY on average, I start looking for other options to park my emergency fund to prevent value er...
by Trader Joe
Sun Mar 21, 2021 7:24 pm
Forum: Personal Consumer Issues
Topic: Relocating from Austin to Galveston
Replies: 34
Views: 3401

Re: Relocating from Austin to Galveston

DD is considering relocating from Austin to Galveston. Her current job is in what I guess you would call a medical back office profession. Certification is required (which she has). She is pretty early in her career (5 years, or so). I have visited Austin, but am not overly familiar with it (other ...
by Trader Joe
Sun Mar 21, 2021 7:16 pm
Forum: Personal Investments
Topic: Rip the Band-Aid off now or slowly convert portfolio over time?
Replies: 21
Views: 2678

Re: Rip the Band-Aid off now or slowly convert portfolio over time?

"Rip the Band-Aid off now or slowly convert portfolio over time?"

Yes, right now.
by Trader Joe
Sat Mar 20, 2021 6:45 pm
Forum: Investing - Theory, News & General
Topic: 99.6% of Vanguard Investors stayed the course!
Replies: 37
Views: 4668

Re: 99.6% of Vanguard Investors stayed the course!

Haven't posted here in a while (not much changes in passive investing). Anyway, was randomly recommended an interview with the new Vanguard CEO and investing folks. https://www.youtube.com/watch?v=bzMsYKMtRHw&list=WL&index=16&t=2355s Watched it to see if VG is changing any advice vis a ...
by Trader Joe
Thu Mar 18, 2021 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 3/18 update includes unemployment adjustment
Replies: 13
Views: 902

Re: H&R Block 3/18 update includes unemployment adjustment

JCH10400 wrote: Thu Mar 18, 2021 6:46 pm Just downloaded the new H&R Block software update and noticed it includes the adjustment for the $10,200 of unemployment payments.
Hopefully you are now fully employed in 2021.
by Trader Joe
Thu Mar 18, 2021 7:14 pm
Forum: Investing - Theory, News & General
Topic: Is reallocating some of Total Stock Index into Total Value Index a bad idea?
Replies: 11
Views: 1107

Re: Is reallocating some of Total Stock Index into Total Value Index a bad idea?

I am 5 to 10 years from retirement and pondering re- allocating some of Total Stock Market Index to Value Index due to high stock price to earnings valuations. Maybe 20 % re-allocation in tax deferred retirement accounts. Is this a bad idea? Not changing asset allocation from stocks to bonds but sh...
by Trader Joe
Thu Mar 18, 2021 11:45 am
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 23700

Re: What is the BEST thing you spent money on?

A carne asada burrito from the local taco shop.

Nothing beats a fresh, juicy carne asada burrito.
by Trader Joe
Wed Mar 17, 2021 7:10 pm
Forum: Investing - Theory, News & General
Topic: Strategy changes after Lean FI?
Replies: 41
Views: 3013

Re: Strategy changes after Lean FI?

I just did some end-of-quarter math and found that we reached our Lean FI numbers (we like 65/35 AA). Me&DW are in early 40's, love our jobs and life style so RE part is out of scope at the moment. Here are the potential next steps I listed out: Stay the course. Lean FI -> FI -> Fat FI -> Obesi...
by Trader Joe
Wed Mar 17, 2021 7:06 pm
Forum: Personal Investments
Topic: Donate stock to a college
Replies: 8
Views: 634

Re: Donate stock to a college

niagara_guy wrote: Wed Mar 17, 2021 3:07 pm I have about $1,000 of Comcast stock that is in an account at shareholderonline.com. I want to donate it to a college, what is the most cost effective way to do this?
Contact the college directly.
by Trader Joe
Sun Mar 14, 2021 11:31 pm
Forum: Personal Investments
Topic: What to do with $42k bonus?
Replies: 36
Views: 4464

Re: What to do with $42k bonus?

#3, easy answer.