Search found 40 matches

Return to advanced search

Re: Portfolio help. Self employed and a converted Boglehead

It sounds like you've learned a lot from these forums and are definitely on the right track. 60/40 allocation seems reasonable to me at your age. As for changes, I would probably bite the bullet and sell the high expense ratio funds in your portfolio: blue chip growth, capital appreciation, small ca...
by DJB
Thu Dec 26, 2013 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help. Self employed and a converted Boglehead
Replies: 2
Views: 271

Re: Deer in the headlights. Please help me get off the fenc

Last year, I did just what you are proposing: I sold all my taxable equities and created the 3-fund portfolio. I did indeed foot quite the tax bill in April. This worked out fine, but in retrospect I probably wouldn't have ripped the bandaid off so fast. I would have sold as much of the individual s...
by DJB
Tue Dec 24, 2013 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deer in the headlights. Please help me get off the fence...
Replies: 8
Views: 1437

Re: Long-term disability insurance

The option I'm considering is 50% salary replacement (pre or post tax) and would cost me $360 next year out of my paycheck. I am confused. What is the annual cost for this policy? $360 per year sounds like a very good price. Does your employer subsidize the expense? Everyone in my organization is o...
by DJB
Wed Oct 30, 2013 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Long-term disability insurance
Replies: 19
Views: 1179

Long-term disability insurance

It is open enrollment season at my company (and many others too, I'm sure), and I am debating whether or not to buy long-term disability insurance. I'd appreciate any guidance for how to approach this decision. The option I'm considering is 50% salary replacement (pre or post tax) and would cost me ...
by DJB
Tue Oct 29, 2013 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-term disability insurance
Replies: 19
Views: 1179

Re: Travel in Japan, Taiwan, Korea

Wow, this is amazing advice. Thank you to everyone who took the time to contribute. I feel like I have a starting point now for how to allocate my time. I'd still love any other input if anyone has any!

Thanks again.
by DJB
Sun Oct 20, 2013 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Travel in Japan, Taiwan, Korea
Replies: 17
Views: 2009

Travel in Japan, Taiwan, Korea

Hi All, I have been impressed with the quality of travel-related advice on these forums, so I thought I would ask for my upcoming trip to Asia. This January, I will have 9 days in Japan, 4 days in Taiwan, and 5 days is Korea. I'm 29, male, and will be traveling solo - and sadly, English is my only l...
by DJB
Sun Oct 20, 2013 1:24 am
 
Forum: Personal Consumer Issues
Topic: Travel in Japan, Taiwan, Korea
Replies: 17
Views: 2009

Re: Overseas Travel Adventure - Africa

I lived in Kenya for 6 months and have spent some time in Tanzania as well. I'm guessing I'm younger than you are (29), so take this with a grain of salt. My parents have done a couple OAT trips and have always had great experiences - everything taken care of, and a nice group of relatable travelers...
by DJB
Sat Oct 19, 2013 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Overseas Travel Adventure - Africa
Replies: 18
Views: 1323

Re: Cash Poor

I have been feeling similar to OP recently. I don't keep much cash on hand, but I have lots of taxable funds I could sell on case of an emergency. Regardless, I feel the desire to have more cash on hand for the flexibility: it would be nice to be able to max out my Roth on Jan 1. Or buy a new car in...
by DJB
Fri Oct 11, 2013 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash Poor [Keep "cash on-hand" or use for investing]
Replies: 45
Views: 4038

Saving for down payment... maybe.

Hi All, I'm 28, single and have been with my current employer for 5 years. I'm starting to feel stable here in the Bay Area, and I'm thinking about starting to look at buying something over the next couple years. I'm perfectly content renting for now (I currently have a great arrangement where I'm e...
by DJB
Sat Aug 24, 2013 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saving for down payment... maybe.
Replies: 2
Views: 451

First time buying EE Bonds

Hi All, I'm looking for feedback/advice on on buying EE bonds. I'm 28, have about 300K in assets, and my allocation is 80/20 (2/3 tax-advantaged). I have a long time horizon, and I'm generally not very bullish about bonds, so doubling in 20 years sounds pretty good to me. I'm considering buying 10K ...
by DJB
Mon Jul 22, 2013 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: First time buying EE Bonds
Replies: 11
Views: 824

Re: Velvet handcuffs

OP, take it from a veteran who has seen it all. The chances are 100% that one of the following occurs in the next 10 years, forget until you retire: 1. You get laid off because of position elimination. 2. You get laid off because of a merger. 3. You get laid off for poor performance, an inappropria...
by DJB
Tue Jul 16, 2013 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Velvet handcuffs [Retirement plans and long-term employment]
Replies: 18
Views: 2262

Velvet handcuffs [Retirement plans and long-term employment]

Hi all, Just this week, I reached my 5-year anniversary working in my first job out of grad school, which means I am now vested in the defined-benefit pension plan. I've been really happy at work and haven't considering leaving (it's a large health-care organization with lots of potential to move in...
by DJB
Tue Jul 16, 2013 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Velvet handcuffs [Retirement plans and long-term employment]
Replies: 18
Views: 2262

Re: How to get over finance envy

Any time I start to feel this envy, I think back to my public health days working in rural Kenya. $0.50 for a piece of chicken is out of reach for so many people. The personal stories and experiences mean the most, but this global income calculator can help put things into perspective: http://www.gl...
by DJB
Wed Jul 10, 2013 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 16357

Re: Premium Products That Are Worth It To You

Mattress and bedding - My Sterns & Foster cost an organ but totally worth it. I sleep like a baby. Produce/Dairy/Meat - Tastes better and healthier Bath products - I feel a little metro, but it feels better than that chemical crap Dress shoes - Cheaper in the long run and much more comfortable M...
by DJB
Sat Jun 15, 2013 1:53 am
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36171

Investing is boring

Hi All, I have dedicated the last year or so learning all I can from Bogleheads and putting these lessons into practice. I have totally bought in to the Bogleheads philosophy and now find myself in a very comfortable place: I'm 28, have my ducks in a row, and simply need to "stay the course&quo...
by DJB
Sun Jun 09, 2013 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is boring
Replies: 34
Views: 3713

Re: Do You Haggle? If so: when, for what, how?

Surprised I haven't seen anyone mention mattresses yet! Outside of my car (haven't yet bought a home), this was the biggest ticket item I've bought. Mattress priced at $2200 I ended up getting for $1400, no tax, delivered same day. Maybe I could have done better - those markups are huge!
by DJB
Mon Mar 25, 2013 10:59 pm
 
Forum: Personal Consumer Issues
Topic: Do You Haggle? If so: when, for what, how?
Replies: 94
Views: 9241

Re: Why Can't I Bring Myself to Buy Me a Nice Watch?

I second the posted who talked about buying pre-owned. As a watch guy myself, though, I would caution against buying a used Rolex. Forgeries abound. There are other brands of very fine watches, lesser known, which have no knock-offs at all. Consider some other high-end watch brands. I'd be glad to p...
by DJB
Sun Mar 24, 2013 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Why Can't I Bring Myself to Buy Me a Nice Watch?
Replies: 193
Views: 13055

Re: Fidelity 401K options - 0% Expense Ratio?

DJB - What is the full name of the fund? Does it have ticker symbol? Dale The one I'm looking at specifically is called "F.R. Fixed Income Fund," which is listed under intermediate-term bond funds. I can't find a ticket symbol. The other one I am considering is "Capital Guardian Inte...
by DJB
Mon Mar 04, 2013 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K options - 0% Expense Ratio?
Replies: 12
Views: 1026

Re: Fidelity 401K options - 0% Expense Ratio?

Thanks for your quick replies. Some of the fund choices have very low expenses (.02% for lifecycle funds, total market index), and about half show 0%. So I don't think it's a rounding issue. I clicked through to see if there was any more information about expense ratios and there was nothing more th...
by DJB
Sun Mar 03, 2013 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K options - 0% Expense Ratio?
Replies: 12
Views: 1026

Fidelity 401K options - 0% Expense Ratio?

Hi All, I have a question for those of you more experienced and knowledgable than me. My company's 401K offers several fund options that show a 0.0% gross expense ratio (both equities and bonds), and this doesn't make sense to me. How could any fund have NO expenses? Are there some hidden fee I am m...
by DJB
Sun Mar 03, 2013 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K options - 0% Expense Ratio?
Replies: 12
Views: 1026

Portfolio/Plan Review: Newly-Minted Boglehead

Hi all, I found bogleheads about a year ago and have been doing my best to apply what I've learned to get my financial house in order. I've come a long way from where I was, but I'm sure there are areas I can improve, so I'd greatly appreciate your review of my investments and overall plan. Emergenc...
by DJB
Fri Mar 01, 2013 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio/Plan Review: Newly-Minted Boglehead
Replies: 2
Views: 230

Re: Any Experience Selling a Car on [Craigslist]?

I recently sold my car in the SF Bay Area. I set the KBB value as my asking price, and within a day I had someone email me, saying it looks perfect and he has the cash. He came over the next day and we made the deal. I would definitely sell a car again on CL vs. trading in. Some cars are demanding m...
by DJB
Wed Feb 27, 2013 1:20 am
 
Forum: Personal Consumer Issues
Topic: Any Experience Selling a Car on [Craigslist]?
Replies: 49
Views: 2758

Re: Is Med School still a good financial investment?

I hate to post statistics without a reference, so sorry about that I am in the field of healthcare policy and recently read a scientific article comparing the ROI for various graduate degrees and it valides the thoughts of some other posters. It considered cost of tuition, years spent in training, c...
by DJB
Wed Feb 27, 2013 1:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Med School still a good financial investment?
Replies: 123
Views: 7656

Re: Contribute more than 18% to Roth

Hi All, I have been reading about this in various places but have only found fragments about how it really works. I want to make sure I understand. I have a Roth IRA w/vanguard which I max out each year. I also have a 401K through my employer with Fidelity that offers both Roth and Traditional opti...
by DJB
Mon Oct 15, 2012 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contribute more than 18% to Roth
Replies: 13
Views: 1260

Contribute more than 18% to Roth

Hi All, I have been reading about this in various places but have only found fragments about how it really works. I want to make sure I understand. I have a Roth IRA w/vanguard which I max out each year. I also have a 401K through my employer with Fidelity that offers both Roth and Traditional optio...
by DJB
Mon Oct 15, 2012 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contribute more than 18% to Roth
Replies: 13
Views: 1260

Re: Roth vs. Traditional 401K

Thanks, all, for your (unanimous) reply! My biggest concern was was an earlier poster mentioned... that 35% taxes in a historical/global context is still pretty low. I do expect to have a defined benefit pension when I retire through my employer, but the size depends on how much longer I stay there....
by DJB
Fri Oct 12, 2012 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401K
Replies: 32
Views: 3335

Roth vs. Traditional 401K

Hi all, I understand the differences between these options, but I'm having a hard time making a decision and I would appreciate your advice. My employer offers the choice of a traditional or roth 401K, up to 18% of my salary. I put in the full 18% and get an additional 7% automatically put into trad...
by DJB
Fri Oct 12, 2012 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401K
Replies: 32
Views: 3335

Buying a Certified Pre-Owned BMW

Hi All, I wanted to ask for your guidance on buying a CPO car and negotiating the best deal. I posted several months ago about whether or not I could afford this splurge, and in part due to your feedback I decided to go for it. I am also taking the advice for the post-- buying used and paying cash t...
by DJB
Sat Oct 06, 2012 4:21 am
 
Forum: Personal Consumer Issues
Topic: Buying a Certified Pre-Owned BMW
Replies: 54
Views: 6819

Re: Can I afford this quarter life crisis?

I appreciate everyone's responses. I'm consistently impressed that these forums are great not just for a financial perspective, but also the broader "life" perspective. Thank you. To respond to some of the posts here: The $139K in my Roth is both my Roth IRA and 401K. Regarding the choice ...
by DJB
Tue Aug 21, 2012 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this quarter life crisis?
Replies: 88
Views: 7892

Can I afford this quarter life crisis?

I've been a Boglehead most of my life in terms of living well below my means and investment strategy. Recently, (I'm 27), I have been thinking a lot about buying myself a big expensive treat in the form of a new car. This is very atypical for me-- I have had some personal losses recently and I suppo...
by DJB
Tue Aug 21, 2012 12:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this quarter life crisis?
Replies: 88
Views: 7892

Flexible sales job for my old man

Hi Everyone, I'm looking for some ideas for potential second careers for my now retired father. He's 62 and retired two years ago from his job as a lawyer with the federal government. Mom mom is also retired and starting her second career (pilates instructor), and while they're doing okay financiall...
by DJB
Sat Aug 18, 2012 11:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flexible sales job for my old man
Replies: 1
Views: 619

Re: Do you regret saving too much?

To me, the question isn't a yes or no, but "where do I wish I spent more?" There are certain things I wish I'd indulged in more: Travel, especially to see people I care. I often chose to forego that weekend jaunt where I could have seen one of my best friends. People don't live forever, an...
by DJB
Sat Jun 23, 2012 1:05 am
 
Forum: Investing - Theory, News & General
Topic: Do you regret saving too much?
Replies: 74
Views: 8438

A case for actively managed funds

I've been a true blue Boglehead for the last few years, but I had a conversation with one of my friends recently that has me thinking more seriously about actively managed funds. I would love to hear your take. My friend is a fairly recent graduate from a top MBA program now working in the financial...
by DJB
Tue Jun 12, 2012 12:47 am
 
Forum: Investing - Theory, News & General
Topic: A case for actively managed funds
Replies: 52
Views: 3214

Re: Family vacation what to do? Northern-Cal or Southern-Cal

I remember my family vacation to San Francisco when I was 12 years. It was the ONLY vacation I ever really enjoyed. I loved going to Ghirardelli Square and having the best chocolate milkshake of my life. At that moment, I knew one day I was going to live here. I moved to Oakland right after grad sch...
by DJB
Sat Apr 21, 2012 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Family vacation what to do? Northern-Cal or Southern-Cal
Replies: 42
Views: 1818

Re: Tempurpedic mattress--worth price? Finance it?

I agree with the other posters here that investing in a mattress you love is completely worth it. Ideally, it will be something you both love. Relatedly, I found that spending on nice sheets/blankets improved my quality of sleep also. My bed is one of only a few possessions that truly make me happy....
by DJB
Wed Apr 18, 2012 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Tempurpedic mattress--worth price? Finance it?
Replies: 63
Views: 7694

Re: How to Die

Great discussion. I work in medical ethics and came across this great tool to help start these difficult conversations about end-of-life wishes, through the Go Wish organization: http://www.gowish.org/ They produce a card game that I've used in my personal and professional life that has really helpe...
by DJB
Thu Apr 12, 2012 7:53 pm
 
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 84
Views: 10509

Re: buying a gold coin from individual

I've actually sold a gold American Eagle on craigslist. We met in a bank lobby and made the transaction. Nice and public, security nearby.
by DJB
Wed Mar 21, 2012 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: buying a gold coin from individual
Replies: 54
Views: 3327

Transition out of individual stocks

I'm 27 and a newly-minted Boglehead. In my past, I used to dabble in picking individual stocks, and I'm looking for suggestions for how best to sell off these shares in my TD Ameritrade account and reinvest in index funds. I've done well on my stock picks, but realize it's been mostly luck, though I...
by DJB
Mon Mar 19, 2012 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transition out of individual stocks
Replies: 4
Views: 521

Re: Goal: Retire by 50

Wow, thank you to everyone for the well-rounded discussion and great advice. Some changes I've already made based on the feedback: -I've changed my 401K contribution from Roth to traditional -I've transferred the International value and target retirement funds in my taxable account to Total Stock Ma...
by DJB
Wed Mar 14, 2012 11:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Goal: Retire by 50
Replies: 108
Views: 8496

Goal: Retire by 50

Long-time lurker, first time poster :-) I am 27 and have always been a long-term planner when it comes to finances. I have three main personal/financial goals: (1) Retire by 50 so I can travel the world and pursue my many hobbies; (2) work reasonable hours until then so I can see my loved ones; and ...
by DJB
Sun Mar 11, 2012 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Goal: Retire by 50
Replies: 108
Views: 8496

Return to advanced search