Search found 745 matches

by DVMResident
Sun Aug 30, 2015 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: If you lost your job, what expenses would you keep/get rid of?
Replies: 18
Views: 1766

Re: If you lost your job, what expenses would you keep/get rid of?

Get rid of/reduce: -Taxes :wink: -401(k) contributions -Entertainment/eating out -Rent -- would move back with my folks (only in current location for job, DW not working now but could/would pick up old job in our home city), who would love to have us plus grandkid leaving with them. -Cost of working...
by DVMResident
Fri Aug 28, 2015 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: I have a Confession...Dave Ramsey...Help!
Replies: 34
Views: 4089

Re: I have a Confession...Dave Ramsey...Help!

I remember your other thread and you have enough cash-flow/reserves to be fine either way. You got some good recommendations in that thread. You can split the difference and accomplish both goals at the same time: invest half and use the other half to payoff the smaller balance/higher interest mortg...
by DVMResident
Fri Aug 28, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Dear In-Laws: Less toys, more 529
Replies: 62
Views: 5001

Re: Dear In-Laws: Less toys, more 529

While prudent, 529s are boring and the grandparents won't get much joy from gifting. Buying experiences would serve the dual function of immediate strengthening the grandparent/grandchild relationship and not culturing up the house. When I was 10, my grandpa took me on a cruise and I cherish the mem...
by DVMResident
Thu Aug 27, 2015 9:04 pm
Forum: Investing - Theory, News & General
Topic: How do you diversify?
Replies: 24
Views: 2497

Re: How do you diversify?

Revenue diversification: W-2 job (soon to be 2), investments (40 US%, 40% Int, 20% bonds), and a rental with a hedge against inflation via a mortgage Tax diversification: 60% pre-tax/40% ROTH Board index funds cover all the investmentable sectors. They mostly miss certain sectors, like RE (and REITs...
by DVMResident
Wed Aug 26, 2015 5:26 pm
Forum: Investing - Theory, News & General
Topic: Quartz (electronic magazine) offers market timing game
Replies: 10
Views: 548

Re: Quartz (electronic magazine) offers market timing game

Up 3 for 3.

Dang, now I feel like a market timer :oops:
by DVMResident
Tue Aug 25, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Parents, windfall, and sale of home
Replies: 12
Views: 1366

Re: Parents, windfall, and sale of home

In addition to the fiscal aspect (which is unattractive), the learning curve is steep. Starting a $1m single-family home is not how a novice landlord should start. For a base level understanding, I recommend they the following 3 texts: - What Every Real Estate Investor Needs to Know About Cash Flow....
by DVMResident
Mon Aug 24, 2015 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buying rental property in your hood
Replies: 8
Views: 1389

Re: Buying rental property in your hood

Many people get a start as landlords renting out half of a duplex I did essentially this: it was a mother-in-law unit totally fenced off from the primary residence with it's own entrance and car port. We lived in the larger/front house. Worked really well and made the "job" aspect of Land...
by DVMResident
Mon Aug 24, 2015 12:14 am
Forum: Investing - Help with Personal Investments
Topic: 401k Plan: Opinions, please!
Replies: 9
Views: 622

Re: 401k Plan: Opinions, please!

I agree: IRA max > 401k.

S&P500 in 401k
International and bonds in IRA (or Stable if you need additional bonds)

At $50k/yr, how much saving space can she use? That's very aggressive savings if she maxes out both an IRA and 401k.
by DVMResident
Sun Aug 23, 2015 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: All I can afford is to max my roth: an investment plan
Replies: 25
Views: 1860

Re: All I can afford is to max my roth: an investment plan

Unless your fixed on your geographical area, I'd reconsider purchasing the condo. You're savings is fantastic (11k plus pension +/- SS). Your income can and probably will rise. Geographical flexibility will give the best options for jobs and it's very conceivable a new IT job will be worth what 2 jo...
by DVMResident
Fri Aug 21, 2015 6:20 pm
Forum: Investing - Theory, News & General
Topic: Where are you in the cycle of market emotions?
Replies: 63
Views: 5401

Re: Where are you in the cycle of market emotions?

Perma-optimist :beer

The world is slowly, surely getting better inch by inch, year by year. The rest is noise.
by DVMResident
Thu Aug 20, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Sell or Rent Out House? [Bay Area]
Replies: 52
Views: 3437

Re: Sell or Rent Out House? [Bay Area]

[ Personally, I don't like counting on appreciation (barring something special, like gentrification projects). RE market prices are volatile, cyclic (we're coming off a major appreciation wave, oscillating around CPI+1% since WWII and ~CPI pre-WWII), and currently overpriced relative to rental pric...
by DVMResident
Thu Aug 20, 2015 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Sell or Rent Out House? [Bay Area]
Replies: 52
Views: 3437

Re: Sell or Rent Out House? [Bay Area]

More info Mortgage left: 230k, 2.99%, 9yrs left Hoa: 250/mo Rental: around 2800 or maybe more 2.8k/700k = 0.4% gross rent over market value. Typically, you want this in the 0.8-1.1% range. Generally, lower side (0.8%) for single units, like houses, and higher (1.1%) for high density units, like apa...
by DVMResident
Tue Aug 18, 2015 6:51 pm
Forum: Investing - Theory, News & General
Topic: Good argument for underweighting international stocks?
Replies: 77
Views: 4655

Re: Good argument for underweighting international stocks?

Wanting to overweight the US today would be chasing returns. Looking at international fundamentals. Than look at the US. I don't think the cost/ER difference is even worth mentioning anymore. Maybe way back when the international index cost quite a bit more? But, nowadays a 9 basis point difference ...
by DVMResident
Sun Aug 16, 2015 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Behavioral Interview for Leadership Posistion
Replies: 32
Views: 3886

Re: Behavioral Interview for Leadership Posistion

Practice the talk once/day or so before the meeting. I often find I need to rearrange my slides to match my story telling style. Take your time to answer. Thank them for the question to give yourself a second to think before your answer. Smile a lot the days before to get in the right mind frame. S...
by DVMResident
Sun Aug 16, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 3922

Re: Laptop Recommendation

This is one of the best review sites: http://www.notebookcheck.net/Reviews.55.0.html They publish top 10 by category. You might be interested in the Multimedia Notebook that have the larger 15" screens or maybe Ultrabooks list. Besides the raw specs (RAM, hard drive, screen size), I also pay a ...
by DVMResident
Sat Aug 15, 2015 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Behavioral Interview for Leadership Posistion
Replies: 32
Views: 3886

Re: Behavioral Interview for Leadership Posistion

Practice the talk once/day or so before the meeting. I often find I need to rearrange my slides to match my story telling style. Take your time to answer. Thank them for the question to give yourself a second to think before your answer. Smile a lot the days before to get in the right mind frame. St...
by DVMResident
Sat Aug 15, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Animal cruelty free mutual Funds
Replies: 37
Views: 2385

Re: Animal cruelty free mutual Funds

TIAA-CREF Social Choice Equity Fund might be attractive. Though it's not animal focused, the fund does strive for noble goals: The evaluation process favors companies that are strong stewards of the environment; devoted to serving local communities; committed to higher labor standards; dedicated to...
by DVMResident
Sat Aug 15, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 3922

Re: Laptop Recommendation

Dell's XPS 15 is nice system, relatively light for a 15" (~4 lb), and has the footprint of 14" screen.
by DVMResident
Sat Aug 15, 2015 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage experts: Need some advice
Replies: 21
Views: 1582

Re: Mortgage experts: Need some advice

I like easye418's snowballing the student loans suggestion and the order he/she suggested. It's simple, fast, and flexible. With $3k/mo excess income and ~2 years to go, you should be able to knock out all the student loans and build up an extra ~$10k in reserves. Should you start expecting child :b...
by DVMResident
Fri Aug 14, 2015 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 3658

Re: Is 401K Match included when someone asks you how much you make per year?

Absolutely not. I'm in management and hire many people. If I asked someone's salary and they said $84,000, and I later verified and found it was $80,000- I would consider this a lie/fabrication and would revoke their offer. It is misleading. Like PP said, you can say, "my salary is $80,000 + 5...
by DVMResident
Thu Aug 13, 2015 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: clarification on the 25 or 35 times rule
Replies: 11
Views: 1228

Re: clarification on the 25 or 35 times rule

25 times is the phrase schwab uses. 25 times income is the same thing as the 4% rule. simple example. lets say you have a million dollar portfolio at retirement. 4% withdrawal will give you $40,000. and lets assume that is how much you need to retire on. schwab would say it thusly; if you want to r...
by DVMResident
Wed Aug 12, 2015 1:54 pm
Forum: Investing - Theory, News & General
Topic: Cap-weight indexers, how do you explain these graphs?
Replies: 64
Views: 3499

Re: Cap-weight indexers, how do you explain these graphs?

"every comparison we see is period-dependent . Whether or not the period has been selected to prove a point, neither the starting date of a comparison nor its concluding date are random. Compilations of historical financial market returns are not actuarial tables, and, as you'll see, the past i...
by DVMResident
Wed Aug 12, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: How much is too much?
Replies: 42
Views: 5506

Re: How much is too much?

I find myself having a bit of a hard time spending more - though I'm working on it. If you can't spend on yourself, try spending on someone else. Spender spouses help a lot. While BH's preach LYMB, we're just verbalizing our intrinsic behaviors (generally speaking). It's not in us to spend or to re...
by DVMResident
Tue Aug 11, 2015 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs Sell analysis
Replies: 13
Views: 1041

Re: Rent vs Sell analysis

It's a close call, but I'd sell. The potential tax savings of holding for 5 more years will largely be eaten by your deferred maintenance and the time-value of the money deployed somewhere else. The ROI is on par with expected equity returns. Without the power of cheap collateralized leverage, RE RO...
by DVMResident
Tue Aug 11, 2015 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs Sell analysis
Replies: 13
Views: 1041

Re: Rent vs Sell analysis

A lot of landlords are facing hot markets now and finding the rental ROI don't justify keeping keeping the appreciation locked in the property. This is a good problem :wink: Couple of questions: Any chance you'll move back and regain the home exclusion? When are you planning to retire? If soon'ish, ...
by DVMResident
Tue Aug 11, 2015 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Tax advantaged space vs. 20% down payment
Replies: 8
Views: 538

Re: Tax advantaged space vs. 20% down payment

I would consider cash-flow first. Can you afford the PITI+PMI on one salary (assuming you're married)?

If short-term liquidity is not a concern, maxing out the 401(k) is likely to out perform the cost of a mortgage over the long-term.
by DVMResident
Tue Aug 11, 2015 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 82
Views: 7927

Re: Excess Cash - Play Monopoly or Repay Debt?

Only thing is that home is pretty old and I don't plan to keep it indefinitely (hoping a developer buys me out at some point based on location). It's actually my best cash flow property though even though it's the oldest and cheapest one I own! Given this is likely your shortest time horizon and ch...
by DVMResident
Tue Aug 11, 2015 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6443

Re: Your First Job

First W-2, Age: 16, file clerk for my dad's office. First W-2 on my own, Age: 19, university dairy, milking, feeding cows and calves, odd repair/maintenance jobs, and helping the professors collect data. Free housing in the barn 8-) plus min wage (for about half hours worked). Hours helped the veter...
by DVMResident
Tue Aug 11, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 82
Views: 7927

Re: Excess Cash - Play Monopoly or Repay Debt?

Thanks for the update! This is a fun thread. I'd hit this loan next: $95K 30 yr fixed at 5.0% 5% risk-free ROI is very respectable and, being one of the lowest balance loans, will further improve cash-flow soon (not that you need it with $6-7k/mo excess). You should be able to knock it out in 1.5 ye...
by DVMResident
Tue Aug 11, 2015 11:14 am
Forum: Investing - Help with Personal Investments
Topic: How to Save for a DownPayment on a Home
Replies: 6
Views: 1033

Re: How to Save for a DownPayment on a Home

http://mathieu.bouville.name/finance/when-does-long-term-start/Bouville-return_envelope.png S&P 500 "90% of annual returns are in the grey area" http://mathieu.bouville.name/finance/when-does-long-term-start/Bouville-proba_real_loss_log.png "Probability of a real loss as a functi...
by DVMResident
Tue Aug 11, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: Anyone not own a Smartphone
Replies: 76
Views: 4034

Re: Anyone not own a Smartphone

With plans for $35 and under a month, cost is no longer a reason to not own a smartphone. +1 Never owned one because it wasn't worth the cost. My old call/text only phone costs $10/month -- hardly worth the savings. Funny story: old job gave out on-call pagers! I was walking and this ~14 year old k...
by DVMResident
Mon Aug 10, 2015 12:19 am
Forum: Personal Finance (Not Investing)
Topic: How to get laid off[? company laying people off with good severance package]
Replies: 28
Views: 3733

Re: How to get laid off to get a package?

The downside I see is that many employers have policies to not rehire someone they have previously laid off. If your wife is willing to forgo the possibility of coming back this employer, it may be worth pursuing. Really, I've never heard of that. That seems like quite a silly policy to me. Is it c...
by DVMResident
Thu Aug 06, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: iPad - usefulness?
Replies: 53
Views: 3968

Re: iPad - usefulness?

by DVMResident
Wed Aug 05, 2015 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Remote landlording
Replies: 11
Views: 930

Re: Remote landlording

In addition to the logistical problems with remote land lording, this is generally a bad time to jump in. Most units are over priced to income generated. You make your money when you purchase.


YMMV as RE has very local conditions.
by DVMResident
Tue Aug 04, 2015 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Max out ROTH IRA and 457B plan and save for house at same time?
Replies: 7
Views: 426

Re: Max out ROTH IRA and 457B plan and save for house at same time?

Very difficult, but you don't have to max out all your space. Savings $23.5k/yr for retirement on $60k/yr salary is overkill (unless you're planning for early retirement). You have to balance between your medium-term goal of purchasing a house and your long-term goal of savings for retirement. A goo...
by DVMResident
Tue Aug 04, 2015 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Husband's nursing home costs eating up inheritance and savings.
Replies: 25
Views: 4464

Re: Husband's nursing home costs eating up inheritance and savings.

Sorry for your husband's conditions. It's a stressful time. As I understand, the medicaid rules can differ a lot from one state to another. Therefore, I strongly suggest consulting an attorney experienced in your state. ^ This. My in-laws went through similar scenario (MIL in a coma for 10 months be...
by DVMResident
Sun Aug 02, 2015 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Commit to Lifelong Renting in Bay area?
Replies: 18
Views: 2248

Re: Commit to Lifelong Renting in Bay area?

You need to define your goals first. The tactics will follow.
Each of the choices you presented are for goals that have difference timelines.

A is for retirement.
B is intermediate: 5+ year depending on your AA.
C is for the short-term: <5 years.
by DVMResident
Sun Aug 02, 2015 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Sell or Rent Out House? [Bay Area]
Replies: 52
Views: 3437

Re: Sell or Rent Out House? [Bay Area]

More info Mortgage left: 230k, 2.99%, 9yrs left Hoa: 250/mo Rental: around 2800 or maybe more 2.8k/700k = 0.4% gross rent over market value. Typically, you want this in the 0.8-1.1% range. Generally, lower side (0.8%) for single units, like houses, and higher (1.1%) for high density units, like apa...
by DVMResident
Sat Aug 01, 2015 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Sell or Rent Out House? [Bay Area]
Replies: 52
Views: 3437

Re: Sell or Rent Out House? [Bay Area]

Rental matches monthly payments (mortgage, insurance, tax, etc.) - breakeven You didn't give all the numbers (mortgage terms, rental costs, etc.), so we can't give any of the standard calculations if it's a good property. Personally, I wouldn't keep a break even rental (unless you have a short term...
by DVMResident
Fri Jul 31, 2015 5:40 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29124

Re: Free Windows 10 Upgrade, Yes or No?

^Auto-updates only applies to the home edition. The Pro version will allow you to selectively update. Personally, this is a deal breaker for me. I've been burned enough by Window updates. I only want security updates. Not quite.... No edition of Win10 allows "selective updates" the way yo...
by DVMResident
Fri Jul 31, 2015 5:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 55
Views: 4136

Re: Boogleheads Los Angeles meetings

Interested.

Live in SD now, but often in Culver city on weekends (visiting family).
by DVMResident
Fri Jul 31, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29124

Re: Free Windows 10 Upgrade, Yes or No?

"Generally my advice with a new OS is wait for the first service pack or maintenance (non-security) update. Then upgrade, so you are taking full advantage of the latest enhancements (especially security related)." Windows 10 isn't going to follow the traditional pattern of patches and ser...
by DVMResident
Thu Jul 30, 2015 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with low raise
Replies: 71
Views: 5356

Re: Frustrated with low raise

Sorry, OP. It must be frustrating. I also got "exceeds expectations" (top 20% in our organization). Got a 2.01% raise. We've had retention issues. HR holds focus groups to find out why and how to stop people from leaving. Employees say "pay us more", "2% raises don't cut it&...
by DVMResident
Wed Jul 29, 2015 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity one-on-one financial guidance consultations
Replies: 3
Views: 406

Fidelity one-on-one financial guidance consultations

Fidelity comes a few times a year to my worked to give these one-on-one consultations.

Has anybody gone to these consultations?
Useful or waste of time?
by DVMResident
Wed Jul 29, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 103
Views: 8675

Re: Who are you able to share good financial news with?

Spouse, family, my adviser from grad school (a close friend/mentor), and 2 life-long friends (who are successful on their own).

Not co-workers. And definitely not the in-laws :!:
by DVMResident
Tue Jul 28, 2015 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is FFNOX similar to the 3 fund portfolio?
Replies: 7
Views: 471

Re: Is FFNOX similar to the 3 fund portfolio?

You have to squint pretty hard to tell the difference between
VG's 2035 TD and FFNOX over the past 10 years.

Your plan is simple, solid, and easy to execute. I like it :)
by DVMResident
Tue Jul 28, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Just Got Financially Independent
Replies: 32
Views: 3105

Re: Just Got Financially Independent

Congratulations! That's huge and the reward of hard work. Question: how did you pick your "desired age of retirement"? Normally, I think of retirement can occur when investments returns > expenses. Never thought of desiring to achieve a particular age (outside of the usual age requirements...
by DVMResident
Mon Jul 27, 2015 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rental with heavy appreciation and decent cash-flow – sell or keep?
Replies: 14
Views: 1417

Re: Rental with heavy appreciation and decent cash-flow – sell or keep?

Here's what I'm thinking now: -Hold rental for ~1 more year to give DW time to find a job so we know where to live, then sell -Do a 1031 exchange for our desired primary residence -Renting out new home for 2 years to meet the personal-use exclusion of the 1031 exchange (1) -Move-in The timing would ...

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