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Re: How to find a spouse who wants financial independence

First: look at the car. If your prospective spouse drives a new BMW, that is a warning sign. Second: find out what job they had during college. Even if it is a scholarship from good grades, you are trying to show they made effort to not have too much in the way of student loans. Third: discuss their...
by Dulocracy
Mon Mar 02, 2015 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 31
Views: 5781

Re: Would this Real Estate investment be a decent option to

I do not know how that works in Asia, but I have some clients who have had nightmare stories about similar investments in condo-hotels in the US. Remember, the main way they are making their money is selling this idea to you. I would imagine that they would be able to get away with making you more o...
by Dulocracy
Fri Feb 27, 2015 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would this Real Estate investment be a decent option to me?
Replies: 6
Views: 707

Re: Erroneous NY Ezpass violation - Any tips?

Fight the man!

No, seriously. If no one fights the problem, they will not fix it. If everyone just pays, they are getting an economic incentive to let the problem sit. If people start gumming up the works with complaints about errors, the errors will get fixed.
by Dulocracy
Fri Feb 27, 2015 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Erroneous NY Ezpass violation - Any tips?
Replies: 20
Views: 1907

Re: Foreign film night recommendations.

I agree with many of the already posted movies. I wanted to add a few that I did not see. 1) A Moment to Remember. (Korea) A touching love story. Warning: it has some VERY sad moments. 2) Princess Toyotomi. (Japan) A fun story about a mystery. It starts with an accounting audit that uncovers somethi...
by Dulocracy
Fri Feb 27, 2015 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 124
Views: 6139

Re: Raise was only 2.44%?

If you did not change positions or take on additional responsibility, that is not an unreasonable raise. It beats inflation, so you have a tiny bit of additional spending power. In the current business environment, I would not complain at getting a raise that increased my spending power, even if by ...
by Dulocracy
Fri Feb 27, 2015 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4529

Re: 401k bond question.

Also, consider buying your bonds in a Roth IRA (or backdoor if you are eligible and over the limits). That would give you access to low-cost Vanguard funds. My wife has limited options in her 401k, so we use a backdoor Roth to get access to funds to get her as close to her desired asset allocation a...
by Dulocracy
Fri Feb 27, 2015 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k bond question.
Replies: 5
Views: 324

Re: Roth and REITs

My wife and I hold 100% of our REIT funds in our Roth IRAs. Neither of us have access through 401k, and REITs are almost as tax in-efficient (if not more because of greater income) than bonds. The Roth IRA is a grand place for REITs.
by Dulocracy
Fri Feb 27, 2015 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: Roth and REITs
Replies: 5
Views: 725

Re: How does one increase their typing speed and accuracy?

That's why I really like the keying books that you have to put on a stand, you aren't looking at either the monitor or the keyboard but the copy that you are typing from. Additionally you shouldn't correct errors while you are still typing, instead go back and fix them once it is complete. Poor pos...
by Dulocracy
Fri Feb 27, 2015 3:04 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 58
Views: 2221

Re: Vanguard Tot Intl and Emerging Markets just got cheaper

Thanks for the update! Good news for a year wherein my wife is planning on adding Emerging Markets to her Roth!
by Dulocracy
Fri Feb 27, 2015 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 56
Views: 6196

Re: International stock index in Taxible account for tax cre

Build your retirement as much as you can. If you get enough to start investing in taxable, then start transitioning money. (Trade some international in the retirement account for US, and simply buy international in your taxable account to keep your desired allocation. A side note, you mentioned purc...
by Dulocracy
Fri Feb 27, 2015 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: International stock index in Taxible account for tax credit
Replies: 6
Views: 662

Re: Divesting Portfolio of REITs - A Good Time?

Echoing what livesoft said, are you SURE you want to get out of REITs? They make for very good diversification due to a low correlation with other assets. Some people speculate that they will go down when interest rates go up. Others say they will stagnate, rather than go down. Others still say that...
by Dulocracy
Fri Feb 27, 2015 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Divesting Portfolio of REITs - A Good Time?
Replies: 3
Views: 445

Re: Rock-Paper-Scissors: EFund vs. IRA vs. Loan Debt

As a fellow high income earner, DO NOT LOSE your tax advantaged space. You will regret it. Sure, you may pay an additional year of interest on the student loans, but you will lose 40 years of TAX FREE GROWTH. (Remember that you will typically take other assets first because of RMDs, and a Roth IRA i...
by Dulocracy
Fri Feb 27, 2015 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rock-Paper-Scissors: EFund vs. IRA vs. Loan Debt
Replies: 15
Views: 723

Re: Roth contributions as long as you can?

Why would you not (so long as you have the earned income for it?)
by Dulocracy
Fri Feb 27, 2015 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth contributions as long as you can?
Replies: 18
Views: 1879

Re: This Morning's Dilbert - Investment Help

This sort of post is entertaining... but definitely a rabbit hole....
by Dulocracy
Fri Feb 27, 2015 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 21
Views: 4048

Re: Is the first 100k really the hardest?

The first 100k of net worth is the hardest for multiple reasons: 1) You get compounding benefits for subsequent milestones. 2) Inflation makes the dollar devalued and therefore easier to get. Your second 100k is worth less than the first (barring deflation). 3) You pay off debt faster. Payments towa...
by Dulocracy
Fri Feb 27, 2015 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 54
Views: 7680

Re: TSM or individual funds

Usually, if someone is adding Mid and Small cap, they are adding Mid Value and Small Value to get value tilts. As other posters have said, sometimes what is available is what is available. Other times, someone may want to get a larger portion of Small or Medium. Another reason to separate would be n...
by Dulocracy
Fri Feb 27, 2015 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM or individual funds
Replies: 16
Views: 1236

Re: Nearing 40 and Never Invested

You are starting a little later in life. I would suggest a slightly more aggressive portfolio based on your need for more growth. Age - 10 for the percentage in fixed income. (At 40, you would be 70% stock, 30% fixed income) Alternatively, for a pre-set passive path, you could choose a target date r...
by Dulocracy
Fri Feb 27, 2015 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nearing 40 and Never Invested
Replies: 52
Views: 4254

Re: Car Accident in Front Yard

Contact the insurance company first. Tell them you need the ruts fixed and the debris cleaned up and you will go away. They will likely have a list of preferred companies they use and give you the contact and claim info. You contact the company who gets paid by the insurance company. Done deal.
by Dulocracy
Fri Feb 27, 2015 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 30
Views: 2276

Re: Taxable Account - Fund Suggestions

Not knowing what you have in your tax-advantaged accounts, I cannot make specific recommendations. I have two general suggestions, however: 1) Consider buying more in the way of bonds in your tax advantaged accounts and reducing your bonds in taxable in order to minimize your tax burden. 2) If you n...
by Dulocracy
Fri Feb 27, 2015 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Account - Fund Suggestions
Replies: 3
Views: 323

Re: How much did you have saved up for retirement at age 30?

I'm pretty far behind most in this thread, but I just maxed my 2015 Roth IRA so I'm now up to 43k between 401k and Roth in total, so I got that going for me, which is nice. :oops: :oops: :oops: :oops: :oops: :oops: :oops: :oops: Cranking up my 401k savings rate in the meantime. I want to hit 100k b...
by Dulocracy
Fri Feb 27, 2015 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 168
Views: 11181

Re: How much did you have saved up for retirement at age 30?

I'm 31 and a year ago I had $201K in retirement accounts. No idea whether it is or will be "enough," but I'm happy with my savings efforts and results so far! For some reason, I always thought that you were the same age that I am. Actually, not some reason: a good reason. 77 was the year ...
by Dulocracy
Fri Feb 27, 2015 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 168
Views: 11181

Re: How much did you have saved up for retirement at age 30?

At 30? Sadly, $0.00 saved for retirement. Honestly, I had no idea what I was doing. I was re-investing every penny in the business I was building, which has turned out well. However, I wish that I also set aside a little bit towards my retirement. Now, at 37, I am maxing the 401k and backdoor Roth, ...
by Dulocracy
Fri Feb 27, 2015 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 168
Views: 11181

Re: Why do companies match 401K contributions?

I would be MUCH better off personally by allowing the employees to pay their own fees by a percentage than having the firm pay these fees for everyone. Similarly, we offer a match for the same reason. We do care about our employees, and we want to be a great place to work. You said you're a law fir...
by Dulocracy
Tue Feb 24, 2015 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4295

Re: How do you invest in Frontier Markets?

The comments complaining about the corruption in frontier market are misplaced. Surely, the largest and most knowledgable investors investing in frontier markets know that they have higher risk of corruption. So unless you think those investors are total dunces, there must be some reason that they ...
by Dulocracy
Tue Feb 24, 2015 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: How do you invest in Frontier Markets?
Replies: 51
Views: 2720

Re: Spending trajectory for families with kids?

Thanks to livesoft for the links. I printed out quite a bit of information. Currently, we are setting aside a lot of money into our HSA for what we hope will be our first in about a year. Having an idea of how much it will cost helps, but it is scary. Thinking back, I gave my parents their fair shar...
by Dulocracy
Tue Feb 24, 2015 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending trajectory for families with kids?
Replies: 45
Views: 3444

Re: Do you watch commercials?

I have not had television since 1999. When I have seen commercials from time to time at friends houses or what have you, they are so loud and obnoxious, they really turn me off. Before you ask if I yell at the kids to get off my lawn, I am 37. We do, however, have a LOT of DVDs and we have access to...
by Dulocracy
Tue Feb 24, 2015 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Do you watch commercials?
Replies: 42
Views: 1817

Re: 401(k) Advice for 2015

Thank you so much DGE. 1. If you can swing it, I'd say up the 401k contribution so that you're maxing it out (21.5% of your $86k income). It's not that much more than the 20% your investing in now, but it will add up over the years. I upped it to 21% since it won't let me do 21.5%. 2. For your 401k...
by Dulocracy
Tue Feb 24, 2015 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Advice for 2015
Replies: 11
Views: 1445

Re: International stocks and social costs

This is an interesting thought. It is actionable in that you may decide that Emerging and Frontier Markets are not right for you. The flip side, of course, is an argument my friend in college debate made about sweat shops. The guy making $0.50 a day in a factory working 10 hours is doing so because ...
by Dulocracy
Tue Feb 24, 2015 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: International stocks and social costs
Replies: 8
Views: 757

Re: Someone Else Filed My Tax Return

Happened to me. You will need to file an amended return if in fact a return was filed under your name. My understanding was that the requested refund was not paid. Been relatively straight forward for me since then every year I am sent a new pin to file elctronically. But there were a couple of sub...
by Dulocracy
Tue Feb 24, 2015 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Someone Else Filed My Tax Return
Replies: 29
Views: 2659

Re: Someone Else Filed My Tax Return

This problem has been discussed on other threads. The root of it is that the IRS does NOT cross-reference and verify your W-2 and/or 1099 income data, even though it would be child's play to design a computer system to do exactly that. When the powers that be MANDATE the IRS to do this before proce...
by Dulocracy
Tue Feb 24, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Someone Else Filed My Tax Return
Replies: 29
Views: 2659

Re: Breaking up with a Financial Advisor help?

I agree with pretty much everyone above with one caveat: If you have a fee or load that you have to pay that is waived after time passes, it could be better to hold the funds you are in until after said fee/load would no longer apply. Do set up the Vanguard Roths for the $3,000 each right away, thou...
by Dulocracy
Tue Feb 24, 2015 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Breaking up with a Financial Advisor help?
Replies: 17
Views: 1153

Re: Value investing doesn't even beat the S&P 500

In other words, stick to your AA. Rebalance to "buy-low sell-high," but stick to your bands. Don't freak out and sell when things are low, as that is, as livesoft points out, when to buy more. Finally, ignore fuzzy math like Dalbar.
by Dulocracy
Tue Feb 24, 2015 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 45
Views: 4303

Re: How do you invest in Frontier Markets?

Simple: Pay a lot of money in costs to be in an asset class with extreme risk. I am an equities heavy, small tilt, risk-taking kind of guy. I will not touch Frontier Markets. Cost benefit analysis (Potential return for the extra cost) did not seem worth it. It is one thing to increase your risk to ...
by Dulocracy
Tue Feb 24, 2015 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: How do you invest in Frontier Markets?
Replies: 51
Views: 2720

Re: What video games are you currently playing?

Skyrim. A year ago, it was Skyrim. Before that, it was Skyrim. It is the game that never ends. I still find new areas. Several years into the game, and I have not really started the main story line. (Actually, main story lines, as there are several.) I have gotten my money's worth out of this game!
by Dulocracy
Fri Feb 20, 2015 1:02 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 156
Views: 8532

Re: Why do companies match 401K contributions?

At my firm, we do it for employee attraction and retention. Our 401k is full of DFA and Vanguard funds. The costs of the 401k are paid by the firm, and the adviser we have available is paid by the firm. The only cost to the employees for their 401k is the actual expense ratio found on Morningstar. W...
by Dulocracy
Fri Feb 20, 2015 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4295

Re: Portfolio Advice on Mediocre 401K plan

The Euro-Pacific Growth fund and Vanguard Developed market are somewhat redundant (unless you are trying to get growth exposure). Most who slice and dice aim to either increase value exposure or at least minimize growth exposure. I certainly do no think that difference in expense ratio is worth it f...
by Dulocracy
Thu Feb 19, 2015 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice on Mediocre 401K plan
Replies: 23
Views: 1408

Re: Anyone regret paying off mortgage early?

I am not a home owner, and so treat what follows accordingly. I can think of two circumstances in which one may regret paying off mortgage early: 1. A home owner is making larger payments, still has a long way to go, and does not have a sufficient emergency fund. He loses his job and needs money to...
by Dulocracy
Tue Feb 17, 2015 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38992

Re: I'm thinking about making very large 529 contributions A

I do not yet have children. If I did, I would put as much into the plan as I could, as I would do absent any outside news.
by Dulocracy
Wed Jan 28, 2015 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 71
Views: 5418

Re: Is there a name for this kind of toilet ?

When in Japan, my wife and I were very impressed with the Toto toilets.

http://www.totousa.com/products/toilets

They are sold at Home Depot.
by Dulocracy
Wed Jan 28, 2015 10:39 am
 
Forum: Personal Consumer Issues
Topic: Is there a name for this kind of toilet ?
Replies: 13
Views: 1252

Re: IRA to Roth IRA - Taxed on all or contributions only?

All.

You would have to pay taxes on the principal and gains when you took the money out of the IRA. Transferring it to a Roth counts.
by Dulocracy
Wed Jan 28, 2015 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth IRA - Taxed on all or contributions only?
Replies: 5
Views: 319

Re: Anyone regret paying off mortgage early?

"segue"... I did not know whether to get my feathers ruffled over someone nit-picking an unrelated matter or not, but I decided to be appreciative instead. I tried spelling segway so many ways to try to get the website to accept a proper spelling without the red line. Seaway or nosegay we...
by Dulocracy
Fri Jan 23, 2015 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38992

Re: Choosing between Vanguard Pacific, E.M., Intl. Small

A few years ago, Vanguard transitioned the Target and Life Strategy funds from the three international equity funds (i.e. Pacific, Europe, and Emerging) to the Total International Index fund. I would expect that if the three additional funds provided a better expected return for a desired level of ...
by Dulocracy
Fri Jan 23, 2015 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between Vanguard Pacific, E.M., Intl. Small
Replies: 9
Views: 823

Re: Anyone regret paying off mortgage early?

Yes, as Dulocracy notes, there's something akin to survivor-ship bias to this question... TY. If you haven't noticed, OP acknowledged the "survivor bias" 3 years ago. Indeed. I was mostly trying to form a framework to show my position so that I could weigh in on the question based on my c...
by Dulocracy
Fri Jan 23, 2015 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38992

Re: Anyone regret paying off mortgage early?

OP, you are asking the wrong question. Most, having paid off the mortgage, would be glad that they did. You are asking a limited audience however, and that audience obviously thought it was a better idea for their situation to pay off the mortgage. You should also ask the flip side: Are there those ...
by Dulocracy
Fri Jan 23, 2015 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38992

Re: Pick Your Poison [Vanguard vs. American Funds]

Judging by the survey currently, I think your answer is clear. 90 for Vanguard, 1 for AF, 1 for splitting the baby.
by Dulocracy
Fri Jan 23, 2015 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Pick Your Poison [Vanguard vs. American Funds]
Replies: 24
Views: 3547

Re: Poll: Principles of Boglehead Philosopy

Grt2bOutdoors wrote:Keep Investing Costs Low, Diversify Your Investments, Stay the Course! Carry on!


I feel accomplished. Those are precisely the three for which I voted. If my answers are the same as Grt2bOutdoors, then I feel like I am on the right path.
by Dulocracy
Fri Jan 23, 2015 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3822

Re: Choosing between Vanguard Pacific, E.M., Intl. Small

First, siamond- thank you for the charts and commentary. While my picks may not have been what one would expect, the information you provided was helpful. Using charts over time, I came at my answer. I don't have an answer for you, but I am curious... What's your target split between your 3 funds? M...
by Dulocracy
Tue Jan 20, 2015 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between Vanguard Pacific, E.M., Intl. Small
Replies: 9
Views: 823

Re: Atlanta tax accountant - recommendations?

Likewise sending a PM. I have a CPA referral that I use for all of my clients that is both cost effective and really knows her stuff. If I have tax questions about trusts for a client or how a business will be impacted, I use her as a reference.
by Dulocracy
Tue Jan 20, 2015 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Atlanta tax accountant - recommendations?
Replies: 3
Views: 384

Re: Does anyone here collect currency?

I have a small stack of $1 silver certificates.

I also have a 100 Japanese Peso bill. I had more when I was a kid, but I thought it was play money and lost it. The Japanese Peso was issued during WWII, and my uncle brought some back. I feel bad that I lost several of them.
by Dulocracy
Fri Jan 09, 2015 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here collect currency?
Replies: 30
Views: 1959

Re: Retirement Saving - 15% PRE or POST Tax

I have always heard it as 15% of your pre-tax earnings. The reasoning is that if you use a traditional retirement vehicle, you will still need to pay taxes on the money when you take it out of the account. Especially when you are young, I would try to bump that savings rate up a little bit or to con...
by Dulocracy
Fri Jan 09, 2015 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Saving - 15% PRE or POST Tax
Replies: 15
Views: 1227
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