Search found 3959 matches

by greg24
Thu May 13, 2021 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: [Looking for a reason to retire]
Replies: 15
Views: 1319

Re: [Looking for a reason to retire]

If you have loyalty to your institution, I think you should retire. Let the next generation take your position.
by greg24
Thu May 13, 2021 11:38 pm
Forum: Investing - Theory, News & General
Topic: Should the Total World Index include Crypto?
Replies: 29
Views: 1905

Re: Should the Total World Index include Crypto?

Should it hold a cap weighting of all currencies?
by greg24
Thu May 13, 2021 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: "Time the Market" By Selling Current House?
Replies: 34
Views: 3301

Re: "Time the Market" By Selling Current House?

It sounds like the wife has not agreed to any sale, so that is a huge IF.

Move if you want to downsize. If you are doing it for the short-term money, you are making a huge error.
by greg24
Wed May 12, 2021 3:59 pm
Forum: Personal Consumer Issues
Topic: Does it make financial sense to buy a "beater" for a long distance commute?
Replies: 90
Views: 5004

Re: Does it make financial sense to buy a "beater" for a long distance commute?

Another car is lot of hassle and will probably increase your expenses, not reduce them.

Simplify.
by greg24
Tue May 11, 2021 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Losing Motivation in Work - 5 Years To Go - Suggestions?
Replies: 131
Views: 11548

Re: Losing Motivation in Work - 5 Years To Go - Suggestions?

Don't look at it as 5 more years. Look at every day as One More Day. If you can survive tomorrow, do it again the day after. That truly is awful. If you have to break it up into just 'one more day' every day, it may be time to re-evaluate your role and career. Then the OP should retire today. He ha...
by greg24
Mon May 10, 2021 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Losing Motivation in Work - 5 Years To Go - Suggestions?
Replies: 131
Views: 11548

Re: Losing Motivation in Work - 5 Years To Go - Suggestions?

Don't look at it as 5 more years. Look at every day as One More Day. If you can survive tomorrow, do it again the day after.
by greg24
Sun May 09, 2021 6:35 pm
Forum: Personal Consumer Issues
Topic: Windows 10 + Chrome = Slow and Sluggish
Replies: 90
Views: 3624

Re: Windows 10 + Chrome = Slow and Sluggish

Add more memory.

Add chrome extensions such as AdBlock and such, to reduce how much junk it is running in the background.
by greg24
Fri May 07, 2021 1:13 pm
Forum: Personal Consumer Issues
Topic: Buy Candy Bars in Bulk
Replies: 19
Views: 2889

Re: Buy Candy Bars in Bulk

I buy 6-packs of Hershey bars at Walmart for ~80 cents a bar.
by greg24
Fri May 07, 2021 8:45 am
Forum: Personal Consumer Issues
Topic: Streaming TV services?
Replies: 19
Views: 2161

Re: Streaming TV services?

https://pluto.tv/ is a completely free tv experience that includes hundreds of channels.

If you're a light viewer, I think it will cover your needs.
by greg24
Wed May 05, 2021 3:47 pm
Forum: Investing - Theory, News & General
Topic: How big is the risk of sustained huge stock market decline?
Replies: 106
Views: 10665

Re: How big is the risk of sustained huge stock market decline?

A large decline is inevitable. You should construct your asset allocation to be prepared for such a possibility.
by greg24
Mon May 03, 2021 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Filing state taxes by mail
Replies: 32
Views: 1752

Re: Filing state taxes by mail

Don't cut off your nose to spite your face.
by greg24
Fri Apr 30, 2021 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs for which you are mostly qualified
Replies: 26
Views: 2056

Re: Applying for jobs for which you are mostly qualified

In a career in IT, most of the candidates I've seen didn't meet all the qualifications.

Like someone else said, the qualifications are a wish list.
by greg24
Fri Apr 23, 2021 5:37 pm
Forum: Investing - Theory, News & General
Topic: Recommend a good intro to cryptocurrency
Replies: 78
Views: 5291

Re: Recommend a good intro to cryptocurrency

I decided the best intro was to just do it. I signed up for a Coinbase account, and did the free Earn portion to get myself up to $36 in total crypto. I find it interesting that your portfolio is prominently valued in US Dollars. I'm learning a lot. I'm not going to link any of my other financial in...
by greg24
Tue Apr 20, 2021 4:56 pm
Forum: Personal Investments
Topic: How to think of 529s and asset allocation?
Replies: 11
Views: 995

Re: How to think of 529s and asset allocation?

We have an account for each child, and view them as independent of each other.

We had each account invested 80/20 since they were opened. The oldest is about to go to college, so I downshifted to 60/40.

I don't like investing in funds that change over time, like the target enrollment funds.
by greg24
Tue Apr 20, 2021 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Would You Stay in a Boring Government Job?
Replies: 110
Views: 6901

Re: How Long Would You Stay in a Boring Government Job?

I think you should revisit the situation in a couple years. Now is a bad time for a major life change. Your perspective may change greatly after the child arrives.

As someone said earlier, maybe the side gig will either flourish or wither, and make the decision for you.
by greg24
Sun Apr 18, 2021 9:14 pm
Forum: Personal Consumer Issues
Topic: Covid Price Surges: Whats good to sell right now?
Replies: 18
Views: 2565

Re: Covid Price Surges: Whats good to sell right now?

Manufacturing drastically slowed down in the past year. The normal product supply is not there.

Which is causing a price squeeze in a lot of areas. I don't know a consistent way to attempt to profit of these moves.
by greg24
Wed Apr 14, 2021 11:35 am
Forum: Personal Finance (Not Investing)
Topic: How foolish is this? [Buying waterfront apartment in Florida]
Replies: 102
Views: 10274

Re: How foolish is this?

I think the best time to spend a half million dollars is when the process is described as a "feeding frenzy".
by greg24
Tue Apr 13, 2021 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 186
Views: 12253

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

There are other ways to reduce the price of college. Can she be an RA in the dorms for a couple years? That would be a huge reduction in cost. Are you maximizing your tax efficiency? Can you somehow get your MAGI low enough to qualify for the AOTC? If you save on state taxes on your 529, are you fun...
by greg24
Tue Apr 13, 2021 11:51 am
Forum: Personal Investments
Topic: question about opening a TIAA Brokerage account?
Replies: 23
Views: 1309

Re: question about opening a TIAA Brokerage account?

Your new options are an excellent set of funds.

Are you familiar with TIAA Traditional? It is an excellent fixed income option, you should go on a deep dive about it.
by greg24
Sat Apr 10, 2021 3:02 pm
Forum: Investing - Theory, News & General
Topic: “Buy and Hold No More” says A16Z
Replies: 90
Views: 9327

Re: “Buy and Hold No More” says A16Z

"Buy and Hold is the best answer for most investors" says greg24
by greg24
Wed Apr 07, 2021 3:49 pm
Forum: Personal Consumer Issues
Topic: Gmail asking for birthdate
Replies: 14
Views: 1968

Re: Gmail asking for birthdate

Ignore it forever.
by greg24
Wed Apr 07, 2021 3:10 pm
Forum: Personal Investments
Topic: Family with 4 little humans: chances of retiring/financial independence
Replies: 70
Views: 7311

Re: Family with 4 little humans: chances of retiring/financial independence

I believe retirement at 55-60 is possible. But a lot can happen in 20 years. Your income probably won't continue at the same level for your entire life. Maybe you'll get some nice promotions and raises and make it to FI easier. Maybe you'll suffer a job loss or other setback. I think a fuzzy mental ...
by greg24
Wed Apr 07, 2021 1:56 pm
Forum: Personal Investments
Topic: How to lose the desire of outperforming the market?
Replies: 112
Views: 7487

Re: How to lose the desire of outperforming the market?

You can outperform most investors by accepting market returns. You have much greater ability to increase the amount you contribute, and minimizing taxes and expenses, than you do in increasing returns. Focus on what you can control. Every time I want to "do something" about my investments,...
by greg24
Tue Apr 06, 2021 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Job Satisfaction vs Maximizing Income
Replies: 87
Views: 6030

Re: Job Satisfaction vs Maximizing Income

Strive to maximize life satisfaction.
by greg24
Tue Apr 06, 2021 8:50 pm
Forum: Personal Investments
Topic: Anxiety/Overthinking
Replies: 35
Views: 2781

Re: Anxiety/Overthinking

You are on a good path. 95%/5% is a good AA for your age. Don't sweat the asset allocation breakdown too much. Going 100% (ish) equities is the largest factor. The AA of that 100% is a small concern. Simple plan: 100% equity. Maximize your contributions. Minimize expenses and taxes. You have time on...
by greg24
Tue Apr 06, 2021 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Anyways to improve financial aid?
Replies: 70
Views: 3751

Re: Anyways to improve financial aid?

Don't let the tail wag the dog. Considering a career change to game the college funding system is extreme. There are a lot of things you can more easily control that will have a larger impact on your bottom line. Take a lot of AP classes. Go to an in-state, reasonably-priced school. Have a job in sc...
by greg24
Thu Apr 01, 2021 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Do you trust the current value of your portfolio?
Replies: 130
Views: 9578

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

Of course I trust the value of my portfolio. It is what it is. It isn't a mirage. BUT..... I also understand the stock market could lose 50% of its value at any point. Some would speculate that a market crash is more likely right now than other times. Maybe. Maybe not. This is why I have an asset al...
by greg24
Thu Apr 01, 2021 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Term insurance - free lunch?
Replies: 25
Views: 2074

Re: Term insurance - free lunch?

2. What should be the term? I am thinking 20 years; Northwest is advising 25-30. My reasoning is that my biggest exposure is over the next 10 years. I am hoping in 20 years, we would have a significant saving portfolio to leave for our kids. We bought life insurance at a similar age and similar fam...
by greg24
Wed Mar 31, 2021 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much retirement notice to give
Replies: 66
Views: 3790

Re: How much retirement notice to give

Fast forward to today, less than a month from his final day, and they asked him to stay on as a consultant for the rest of 2021. Numbers are not final, but they want anywhere from 10-30 hours a week (depending on projects, some weeks could be 0 hours) and thinking 125%-150% of his old hourly rate (...
by greg24
Wed Mar 31, 2021 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much retirement notice to give
Replies: 66
Views: 3790

Re: How much retirement notice to give

A year is too much. If its a small company that you've been with a long time, I can understand giving a long notice, which I would consider 2 to 3 months. There is already a succession plan and replacement in place. A couple months is more than enough. I bet your successor would vote for two weeks. ...
by greg24
Tue Mar 30, 2021 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Which State is counted for In State tuition?
Replies: 55
Views: 2911

Re: Which State is counted for In State tuition?

Northern Illinois University charges the same for out-of-state tuition as they do in-state. Just over $12k per year for tuition and fees. I don't know any real details other than my child received a mailer from them, so I read about it on their web site. https://www.niu.edu/financial-aid/process/cos...
by greg24
Mon Mar 29, 2021 8:51 pm
Forum: Investing - Theory, News & General
Topic: Market crashes. Who causes them?
Replies: 42
Views: 3842

Re: Market crashes. Who causes them?

Sandtrap wrote: Mon Mar 29, 2021 8:49 pm Metaphorically, imagine a herd of Wildebeest panicked in the African plains. What spooked them this time?
animal spirits.
by greg24
Mon Mar 29, 2021 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Remote working situation - questions
Replies: 18
Views: 2066

Re: Remote working situation - questions

My employer sent a memo recently that they are against fully remote because they believe in personal interactions so the future will be a combo of in person and remote. That makes me think they are rather rigid about it. If they recently went out of their way to send out a memo that says they are a...
by greg24
Sat Mar 27, 2021 8:55 pm
Forum: Investing - Theory, News & General
Topic: Lake Wobegon's nefarious sister city
Replies: 31
Views: 3768

Re: Lake Wobegon's nefarious sister city

Some do outperform.

Index investors outperform roughly 75% of investors by capturing market return at the lowest cost.
by greg24
Thu Mar 25, 2021 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of net worth in retirement account is "Too much" for early 40s?
Replies: 64
Views: 7171

Re: What percentage of net worth in retirement account is "Too much" for early 40s?

We have 100% of our investments in tax-advantaged accounts. We have a house and cash as our other assets. I don't have a problem with the setup. We can always find ways to get the funds early, and we can withdraw them in a manner to minimize taxes. Right now, we're in the federal 22% and state 8.5% ...
by greg24
Sat Mar 20, 2021 9:06 am
Forum: Personal Investments
Topic: 403(B) and Personal Roth IRA
Replies: 13
Views: 973

Re: 403(B) and Personal Roth IRA

Are you listing the 4000 as a traditional IRA? That would put you over the limit.
by greg24
Thu Mar 18, 2021 11:52 am
Forum: Personal Consumer Issues
Topic: upgrade iphone 6??
Replies: 62
Views: 3960

Re: upgrade iphone 6??

If you are still on a 6, an SE2 will work just fine for your needs, and has a great price.
by greg24
Thu Mar 18, 2021 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do with an auto accident where my vehicle was struck
Replies: 31
Views: 2588

Re: Not sure what to do with an auto accident where my vehicle was struck

Immediately selling the vehicle doesn't make sense. You'd be immediately seeking to "lock in" and sell the diminished value at the highest point in the car's depreciation curve. You are maximizing the loss.
by greg24
Tue Mar 16, 2021 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: What expenses should be part of an emergency fund?
Replies: 37
Views: 2957

Re: What expenses should be part of an emergency fund?

We have what we feel is a comfortable amount of cash on hand.
by greg24
Sun Mar 14, 2021 2:05 pm
Forum: Personal Consumer Issues
Topic: Baby, Wife & Car
Replies: 44
Views: 3306

Re: Baby, Wife & Car

I'd buy new. Drive it forever. Reduce the number of times you have to buy a car in your life.

We bought a car when our first kid was born, and they're currently driving it to high school. Maybe your child will drive that CRV to school. :)
by greg24
Fri Mar 12, 2021 9:29 am
Forum: Investing - Theory, News & General
Topic: Does it feel bubbly to you?
Replies: 214
Views: 15882

Re: Does it feel bubbly to you?

It does feel super bubbly.

But fixed income is paying super low rates.

My forecast for expected future returns is... cloudy.

So I continue to plow regular purchases into my chosen asset allocation and get on with life.

:sharebeer
by greg24
Mon Mar 08, 2021 10:13 pm
Forum: Personal Investments
Topic: Re: Transitioning
Replies: 6
Views: 758

Re: Transitioning

I've ignored the infrequent requests that I transition to the new platform.

So far, so good. :sharebeer
by greg24
Wed Mar 03, 2021 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Big Raise: What to Do With It
Replies: 45
Views: 3472

Re: Big Raise: What to Do With It

1. We are fully funding our 401K and 403b plans. Starting this summer, my husband will also be eligible for a 457b, which we do not intend to fund. (It cannot be accessed until he dies/retires/separates from service, and I don't love the idea of having an unexpected lump sum distribution on my hand...
by greg24
Tue Mar 02, 2021 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Money market to CD
Replies: 7
Views: 501

Re: Money market to CD

NichtKlein wrote: Tue Mar 02, 2021 9:11 am 6,000 x .005 = $30 interest

Is it worth $30 to you?
The Vanguard MM is yielding .01%, so he'd only gain $29.40 for moving. :D

If this is your emergency fund, having 6k of it in a liquid asset like the MM makes sense.
by greg24
Thu Feb 25, 2021 10:03 pm
Forum: Personal Consumer Issues
Topic: wiFi extenders
Replies: 39
Views: 2210

Re: wiFi extenders

Bought a google mesh system a few years ago, and it instantly solved our wifi problems. Great coverage all over house, garage, and plenty of yard.

Easy to setup, completely trouble free.
by greg24
Wed Feb 24, 2021 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on a house and frost damaged shrubs
Replies: 26
Views: 1990

Re: Closing on a house and frost damaged shrubs

Did the shrubs previously pass the house inspection?
by greg24
Wed Feb 24, 2021 2:17 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5946

Re: What is the deal with "DW"?

I hate the terms "DW" "DH" etc. and have literally never heard someone in real life outside of internet forums frequented by the age 40+ crowd refer to someone as "Dear Wife" etc. in my entire existence on this planet. It's obnoxious, patronizing and lazy. I stop readi...
by greg24
Wed Feb 24, 2021 1:42 pm
Forum: US Chapters
Topic: Vanguard Diehards > Bogleheads
Replies: 6
Views: 1643

Re: Vanguard Diehards > Bogleheads

Speaking of the Morningstar forums, I still occasionally go there for TIAA talk. I just noticed a couple days that their login system has totally changed. It looks like free accounts are gone, and only true Morningstar users can post. Does anyone know what is going on with their forums? General M* f...
by greg24
Wed Feb 24, 2021 1:37 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5946

Re: What is the deal with "DW"?

Dear Wife
Dear Husband
Dear Son
Dear Daughter

I agree it is a little odd how prevalent this usage is on a forum that doesn't use much slang.