Favorite team:LSU 
Location:Gonzales, LA
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Number of Posts:956
Registered on:11/21/2007
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re: Financial Advice (Investment vs Debt) - My Situation - Moots
Opinions vary, but I love the feeling of being debt free...I’d pay most if not all of it off, certainly anything that you’re paying more than 3% or so on. Max out the 401K’s and then DCA all the money you’ve freed up by paying off vehicles and student loans into your Vanguard account and other i...
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re: How lucrative is owning a small residential construction company? - Moots
[quote]It's also not about you the GC, its about the GC's stroke with all the subcontractors. That's the ticket.[/quote] THIS ^^^ :cool: Not to the direct point of the OP's question, but this is the problem with trying to be your own GC when you build. Good laborers are hard to find and bu...
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re: I want to sort of time the market - Moots
DUDE...Simply DON'T DO IT! Play the odds - which prove time and time again that it's all about "Time in the Market", not "Timing the market"! You not only have to guess right about getting out, you have to also guess right about getting back in. Do you have any clue how many folks have be...
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re: Has anyone used Prosper.com to lend money? - Moots
I played around with Lending Club for a couple of years (same concept)... Not impressed at all with the performance and no longer actively contributing. Probably earned under 2% overall and had I not sold some notes on the secondary market (Folio), I'd probably been in the RED! :banghead:...
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re: Let's do a top 5 equity portfolio for 2018 - Moots
[quote]Looks like we are going to have some movement this week. Slow and steady.. just hoping to stay in the top five. [/quote] As predicted by TimeOutdoors...We have quite a bit of movement in the Top 5! The players remain the same but the order has been shuffled quite a bit, including a new...
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re: Question about Roth income limit - Moots
[quote]Even from a leftist point of view, it doesn't make sense. [/quote] When does it ever make sense from a leftist point of view? :lol:...
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re: Bank of Internet: Similar to Ally, etc? - Moots
Have never used them... But I am a bit of a rate chaser and have or have had accounts with ING Direct which became Cap One 360, Emigrant Direct, HSBC, Sallie Mae, Barclays, Ally, Nationwide, and Synchrony. Some have a little better website than others, but basically, they're 6 to 1/2 dozen o...
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re: VTSMX or VTI for retirement account? - Moots
You may have already seen this, but if not it may be helpful. [link=(https://www.bogleheads.org/forum/viewtopic.php?t=127553)]LINK[/link]...
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re: What banks have free checking? - Moots
[quote]...keep a small account at a bank in town that I can go to for withdrawing large sums [/quote] Who wouldn’t love a small account that allows you to withdraw large sums. LOL! On a serious note, I’ve got free local checking at both capital one and Chase...and thought free checking was pre...
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re: Question about Roth income limit - Moots
[quote]Although, I’m not exactly sure how I would track what contributions applied to 2018 amounts, unless I just counted a third of it since it would be maxed for the third time. [/quote] If you log into your plan or give them a call, it will show exactly what contributions apply to which year....
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re: Micron Technology Inc (MU) - Moots
[quote]BTW, is this the same Micron that used to make the Micron PC back in 1999-early 2000s? EDIT: Nope, it's not. [/quote] I owned a Micron PC :cool: and I actually think it is part of the same company.... [link=(https://en.wikipedia.org/wiki/Micron_Technology)]LINK- Wiki Micron[/li...
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re: Question about Roth income limit - Moots
You always have up until tax day the following year to make any adjustments needed. So for example, you could contribute nothing during 2018, then on April 10th of 2019, contribute the max to your Roth and have it recorded as a 2018 contribution. You can also continue to contribute throughou...
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re: Micron Technology Inc (MU) - Moots
Both Zack's and Stock Invest US has strengthened their Buy recommendation since I posted them a week ago.... [img]https://i.imgur.com/NfHMQ9e.png[/img]...
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re: budgeting expenses, APP or spreadsheet - Moots
[quote]YNAB App. It syncs with your checking account and debt accounts. Keeps everything in sight. Really easy to use.[/quote] [b]+1 for YNAB[/b] I've used Quicken for 25+ years, have toyed around with Mint and Personal Capital...But started using YNAB about 2 years ago. As a budgeting tool, ...
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re: Let's do a top 5 equity portfolio for 2018 - Moots
[quote] :spank: :yack:[/quote] Don't blame the messenger! :lol:...
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re: Let's do a top 5 equity portfolio for 2018 - Moots
What's the old saying..."The more things change, the more they stay the same". A little bit of shuffling around in the top ten, but the players remain the same, with the exception of Costanza breaking into the Top 10 while wutangfincial slides out and down to 15. The stout route continues but ...
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re: $11k after selling house - ROTH, CD, or something else? - Moots
Depends on a lot of variables...Some of which only you can answer...some of which, no one currently has the answers to... What's your risk tolerance? How flexible are you on exactly when this "future" house purchase happens? What will the market do in the next 5 years? etc. etc. If you want ...
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re: Micron Technology Inc (MU) - Moots
For whatever it's worth, Zack's and Stock Invest still have it as a buy...I don't own much, but I'm planning on holding what I have for the long term. [img]https://i.imgur.com/4rxB2E1.png[/img]...
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re: Let's do a top 5 equity portfolio for 2018 - Moots
Another quick update after a few wild swings in both directions from the market, since our last update. Again, not much has changed in the top 10. Zilla and TimeOutdoors have swapped the 3rd and 4th position, while wutangfinancial has bumped me from 9th to 10th. [b]As of market close 3/26/18[...
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re: Government to Private Sector. Is this lucrative? True value of pension? Need Pros and Cons - Moots
None of us have a crystal ball and only hindsight is 20/20... That being said, nothing ventured, nothing gained. A wise man once told me when men are adding up their regrets in life, they are typically more about things they didn’t do and less about things that they had done. Just readin...
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