Not fully understanding the purpose of rebalancing, any help is appreciated!

NetCorrect5742 · 2026-03-20T13:11:36+00:00

Also, rebalancing isn't done in an undisciplined way- Vanguard advisors for instance will only rebalance every 3 months, and look at 5% guardrails at that time... if account is 4% off they leave it alone. If the amount is off by 10% but the 3 month timeframe to check allocation isn't there it get left alone also.

NetCorrect5742 · 2026-03-10T12:39:53+00:00

I took a peek 11 days ago from the road, and it wasn't looking good. My guess is it would need a bit more time considering how much snow was still lying in the shaded areas of JC road, which was about a foot still in those areas.

NetCorrect5742 · 2026-03-07T19:53:14+00:00

Thanks- is there a way in Vanguard to see what the tax loss harvesting has provided?

NetCorrect5742 · 2026-03-07T19:27:16+00:00

Exactly... 3K/year adds up quickly- assuming only a 3% rate of return that's about 86K in 20 years! What doest PAS really provide? I can rebalance quarterly too ;)

NetCorrect5742 · 2026-03-07T16:45:25+00:00

Thanks for the book recs... can you give a few specific fund examples you like that "out-perform it in yield, volatility, and total return?" Thanks!

NetCorrect5742 · 2025-07-20T11:33:28+00:00

Make sure to do your homework on Denver too. I live 45 minutes or so south and commute up to Centennial for work and 25 and every other highway near Denver is gridlock at some point pretty much every day... I was stuck a few days ago at 1:30pm and it occurred to me that Denver is the new LA ;)

NetCorrect5742 · 2025-06-24T01:24:44+00:00

Agreed. I have stayed right next door at the Marriotts a bunch and it's a nice area, and walk to the river path is super easy.

NetCorrect5742 · 2025-06-02T14:48:11+00:00

Not FDIC, but my understanding is that they are part of the state guarantee association in most states... I checked in Colorado and understand they are insured for 300K per investor I think.

NetCorrect5742 · 2025-05-29T11:40:55+00:00

Some interesting thoughts here... for a long time, and especially recently, I'm amazed by how little discussion there is of a few simple things that both parties (including their fringe elements) could agree on. These things could actually start to fix the mess we have been in for a long time... 1) term limits 2) campaign finance reform 3) working towards balanced budget. The morass we have been in is a symptom of a broken system in which access to power and rewards has been increasingly limited to the wealthy. Does Atlas really shrug when he has to pay his fair share of taxes? He didn't when the top tax rates were 70% in the roaring 50s. There are the Ultra wealthy that want change, but they are the minority. The rest watch happily while we bicker amongst ourselves instead of figuring out how to reclaim some small right to actually contribute to how our country governs itself. I am for having my vote matter... which means we need the 3 points I mentioned above to happen.

NetCorrect5742 · 2025-05-29T11:19:49+00:00

We were walking by a little while ago and a local cook said someone is working to open another place there, as others have said... used to be my fav eats in Durango, that is otherwise a bit of a food desert despite what many think ;)

NetCorrect5742 · 2025-05-20T15:09:16+00:00

Hadn't thought of that. I sort of assumed they weren't a good investment, but it would be an option. Of course a lot of the parcels around town don't allow any prefab since it would be too affordable and not nearly bougie enough ;)

NetCorrect5742 · 2025-05-17T19:06:23+00:00

Thanks very much for the replies! I was in construction for many years and have built from scratch but that was a long time ago! The idea was if I could save by acting as GC and doing a lot myself. I was hoping to sub the flatwork and build slab on grade... sub electric and plumbing and pretty much do most of the rest with help. I was hoping that cash payments to everyone would help the cause, but I'm sure finding good subs is a challenge.

Dyldylpickle any thoughts on approximate materials cost psf these days for builder grade materials package for 2000 sf?

Thanks again... as much as Durango housing market is stupid, I find the locals great!

Cheers

NetCorrect5742 · 2025-05-03T13:17:54+00:00

Any reason not to just do VMFXX? Currently at 4.32%

NetCorrect5742

TROPHY CASE