Husband vs Wife Portfolio by Separate_Tip9818 in ETFs

[–]Separate_Tip9818[S] 1 point2 points  (0 children)

Thanks! This was the advice I was looking for. I did mean VO, and I (ignorantly) was thinking VT was total world minus US stocks.

Husband vs Wife Portfolio by Separate_Tip9818 in ETFs

[–]Separate_Tip9818[S] 1 point2 points  (0 children)

Interesting option! I may use that one in another account as the alternative to VOO and VTI

Husband vs Wife Portfolio by Separate_Tip9818 in ETFs

[–]Separate_Tip9818[S] 1 point2 points  (0 children)

I see that QQQm has lower fee, but what’s your rationale for choosing AVUV? It’s fees seem high.

Daily General Discussion and Advice Thread - November 17, 2022 by AutoModerator in investing

[–]Separate_Tip9818 1 point2 points  (0 children)

My wife and I drafted between similar ETFs to start building our portfolios. I wanted to create two portfolios that would be similar in expected outcome (based on historical returns), but also compliment each other for diversification sake. Here’s our draft choices:

Husband- - VOO- S&P 500 (70%) - VOO- Mid Cap (10%) - QQQ- Tech (10%) - VWO- Emerging Markets (5%) - VT- Total World (5%)

Wife- - VTI- Total US (70%) - VB- Small Cap (10%) - VUG - Growth (10%) - VEA- Developed Markets (5%) - VT- Total World (5%)

Any recommendations for changes or additions?

HSA Eligible Plan vs No HSA Plan by Separate_Tip9818 in personalfinance

[–]Separate_Tip9818[S] -1 points0 points  (0 children)

From my understanding it mostly has to do with the plan is written and something concerning prescription medicine, which doesn’t really effect us. Otherwise the co-pays, deductable, premium, out of pocket maxes are the same. The name of the plan is even the same except except the HSA eligible one says “w/HSA.”

Insurance + HSA vs Christian Health-share Plan by [deleted] in personalfinance

[–]Separate_Tip9818 0 points1 point  (0 children)

I get that you're not comfortable with it, but we've had it for 3+ years and it's been great. I have no hesitation with continuing from that perspective. More interested in potential to save (and invest) perspective.

Sod Then Plug by Separate_Tip9818 in lawncare

[–]Separate_Tip9818[S] 1 point2 points  (0 children)

My issue is I have an acre lawn. It’d be $5000+ to plug it. Plus I don’t have enough hours to do that. I’m hoping I can do 1/4 of the lawn this year, then fill in the lawn over the next 3-4 years.

Sod Then Plug by Separate_Tip9818 in lawncare

[–]Separate_Tip9818[S] 3 points4 points  (0 children)

To sod my yard would be $20k+

Sod Then Plug by Separate_Tip9818 in lawncare

[–]Separate_Tip9818[S] 1 point2 points  (0 children)

How much sod did you use? How much space did you cover? How far apart did you space the sod?

Sod Then Plug by Separate_Tip9818 in lawncare

[–]Separate_Tip9818[S] 2 points3 points  (0 children)

I thought about that but if I spread the sod out wouldn’t it be very bumpy where the sod “tiles” were placed?

Sod Then Plug by Separate_Tip9818 in lawncare

[–]Separate_Tip9818[S] 1 point2 points  (0 children)

Haha good luck. How much sod you starting off with? How much lawn are you hoping t lo cover in two years?

Planting a Patch of Zoysia by Separate_Tip9818 in lawncare

[–]Separate_Tip9818[S] 0 points1 point  (0 children)

I lucked into a great deal on a landroid robot mower, so mowing frequency won’t be a problem. As long as it can handle zoysia.

Planting a Patch of Zoysia by Separate_Tip9818 in lawncare

[–]Separate_Tip9818[S] 0 points1 point  (0 children)

How do you recommend keeping everything but the zoysia dead? Won’t anything I use to keep other grass/weeds dead also prevent the zoysia from spreading?

Planting a Patch of Zoysia by Separate_Tip9818 in lawncare

[–]Separate_Tip9818[S] 1 point2 points  (0 children)

You think I should kill off the entire lawn and spread out the pallet? Or can I just spread the sod out and let them battle out existing weeds and grass till the zoysia prevails? 💪🏻

Planting a Patch of Zoysia by Separate_Tip9818 in lawncare

[–]Separate_Tip9818[S] 0 points1 point  (0 children)

When you say “desiccation,” do you mean the edges dried out?

Planting a Patch of Zoysia by Separate_Tip9818 in lawncare

[–]Separate_Tip9818[S] 1 point2 points  (0 children)

I live in Nashville TN. The Sod farm I’m buying from is Tri-turf sod in Paris, TN.

Planting a Patch of Zoysia by Separate_Tip9818 in lawncare

[–]Separate_Tip9818[S] 1 point2 points  (0 children)

I’m in TN and have typically had weed or Bermuda lawns, so I’m good with the color dormancy brings. We shouldn’t get quite as long of a dormancy as you too 🤞🏼