Search found 342 matches

by StormShadow
Fri Jul 24, 2015 12:01 am
Forum: Investing - Theory, News & General
Topic: Gambling with Commodities
Replies: 15
Views: 1726

Re: Gambling with Commodities

Frozen concentrated orange juice. Stock ticker is FCOJ.

Trust me, I have a copy of the crop report. :beer
by StormShadow
Tue Jul 21, 2015 11:10 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 7121

Re: Greatest money lesson movie

Brewster's Millions 8-)

Trading Places, Rounders already mentioned.

Wall Street.
by StormShadow
Fri Jul 17, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4925

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

First: congratulations! 1. Crib: We got ours from Ikea, which worked perfectly and is pretty affordable. 2. Diapers: sister-in-law went the cloth route... I think it drove her nuts. We went the disposable route and have zero regrets. Just get the cheapest you can, the expensive ones aren't really ne...
by StormShadow
Tue Jul 14, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Student Loan in 2016?
Replies: 19
Views: 1540

Re: Pay off Student Loan in 2016?

Why not a mix? I'd max out retirement options, then split the difference between taxable investments and extra-loan payments. I wouldn't fault you for paying down the loans completely. Its a negative 3.5% guaranteed bond, so paying it off is a pretty good deal. You're not going to beat that with a s...
by StormShadow
Tue Jul 14, 2015 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Physician: Which Job to Choose
Replies: 32
Views: 3601

Re: Physician: Which Job to Choose

Assuming the work conditions are solid, I'd pick #3. There's definite value in shortening your commute time. I think fretting over schools is a little overrated with your children still so young. Be a good parent, your kids will turn out fine. And who knows, you might move again in a few years anyhow.
by StormShadow
Wed Jul 01, 2015 9:01 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 193
Views: 25835

Re: Bogleheads 2015 Hedge Fund Contest

Hey hey! I'm finally in the green!

Smith & Wesson been kickin my butt!
by StormShadow
Tue Jun 30, 2015 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 63
Views: 11623

Re: As a couple in late 30s, how bad are we doing?

Just my opinion, but I don't think you're that bad off. Frankly, the only thing that matters NOW is you found bogleheads (welcome!!) and now you're going to come up with a good plan for the future. I think 2 years for an emergency fund is a little much. But kudos to you for having it! Much better to...
by StormShadow
Tue Jun 23, 2015 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: I've got $80k burning a whole in my pocket, what should I do with it?
Replies: 21
Views: 2944

Re: I've got $80k burning a whole in my pocket, what should I do with it?

$300,000 @6.9%/yr x 6 years = $124,200 of interest. Food for thought. My advice? Set aside whatever you need for the emergency fund. 403(b) to the match. (MAYBE consider a Roth, personally I would and have done it. No regrets, though others clearly may disagree for good reason.) All the rest, I woul...
by StormShadow
Tue Jun 23, 2015 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: When is a Roth 401k the Better Option?
Replies: 30
Views: 2494

Re: When is a Roth 401k the Better Option?

People probably use the Roth way too often, but it may be appropriate here just to hedge against the risk of tax code changes and because you may be in the 15% bracket anyway in retirement. A couple thoughts... 1. A lot of high income earners elect to use a Backdoor Roth IRA. Would you argue there ...
by StormShadow
Tue Jun 23, 2015 11:20 pm
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 9125

Re: Money arguments with spouse and how did you resolve

Compromise, however DW always had the slight edge. :( Happy wife happy life, as they say. Sigh... To be fair, DW is usually the more frugal one, so I really shouldn't complain. Probably the most challenging discussion I had with her (before marriage) was convincing her to invest in the stock market....
by StormShadow
Tue Jun 23, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 190
Views: 16170

Re: Convince me not to buy Porsche

I love me a Porsche. They're sexy. They're fast. They're the poor-man's Ferrari... and I mean that in a good way. I've thought of buying one for years... could even purchase a new 911 Turbo in cash... but I couldn't justify shelling out that kind of money for a car. Plus the maintenance can be a nig...
by StormShadow
Mon Jun 22, 2015 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 8173

Re: Should my husband become a nurse?

EnjoyIt wrote:Wow,
I can't imagine working working six or even five 12 hour shifts every week.

I can. Its called residency. :mrgreen:
by StormShadow
Sun Jun 21, 2015 12:01 am
Forum: Investing - Help with Personal Investments
Topic: How is this AA for a 25 year old?
Replies: 19
Views: 1331

Re: How is this AA for a 25 year old?

Dump the William Blair fund. ER too high. International diversification doesn't justify the fee, IMO.

Not sure what you have against a roth (I love them), but you could invest in cheaper international index funds through an IRA.
by StormShadow
Sat Jun 20, 2015 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Financial and worldly advice to college kids
Replies: 27
Views: 3312

Re: Financial and worldly advice to college kids

1. Tell them to get a part-time job
2. Tell them to contribute to a Roth IRA (you can even help them with this)
3. Tell them to go to bogleheads.org.

Repeat steps 2+3.
by StormShadow
Sat Jun 20, 2015 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestion for toddler
Replies: 51
Views: 5210

Re: Portfolio suggestion for toddler

I wouldn't bother with a taxable account.

If you want to do something for your kid now, how about a 529 plan instead?
by StormShadow
Sat Jun 20, 2015 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie seeking investment advice
Replies: 2
Views: 556

Re: Newbie seeking investment advice

My financial goals: 1. Saving for retirement 2. Building an investment portfolio, ideally in a low-maintenance way (mutual/index funds that I purchase and let sit for years and years) 3. I will be selling my current home in a few years. During/after residency (5-10 years in the future), I want to b...
by StormShadow
Sat Jun 20, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 8173

Re: Should my husband become a nurse?

My husband is 35 year old. He wants to go back to school again. He still has about 12 credit hours at the community college he attended years back. Currently he is in sales but we all know this is not a stable field to be in. He won't be eligibility for any financial aid because he makes around $7,...
by StormShadow
Sat Jun 06, 2015 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 110
Views: 13620

Re: Friends/Family that don't invest!

Have you encountered friends/family that don't save for retirement and when you ask why they respond with something like "how do you know you won't lose it?" I understand they may not want risk, however even investing in bonds (VBTLX for example) they would assume almost 0 risk and make s...
by StormShadow
Fri May 22, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Roth IRA or pay student loans?
Replies: 13
Views: 1226

Re: Fund Roth IRA or pay student loans?

Attending here, 1 year out of training. My thoughts: Was also in IBR with same salary, and initially my monthly payments were only $340/mo (all interest). Midway through training, got married to DW who made more money and auto monthly payments bumped up to $1,300 (some to interest and some to princi...
by StormShadow
Thu May 21, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 4487

Re: Put money down on new car, dealer wants color change

To the OP - buying cars sucks so don't feel bad if you are not able to get all of your money back. You've learned a lesson about giving a dealer money before the purchase, consider it tuition. Everyone on this board has paid this kind of tuition in various walks of our financial life. That's why we...
by StormShadow
Thu May 21, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 4487

Re: Put money down on new car, dealer wants color change

...My wife was set on this color, especially since the last vehicle we purchased 4 years ago had the same thing happen and she was talked into a different color. Is this common? These are the only two vehicles we have every bought new. Can we cancel the deal with this dealer? If we could agree to s...
by StormShadow
Sun May 03, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 12096

Re: Will you buy self-driving car?

Eventually, yes... as the price comes down and the technology improves. For one, DW is terrified of driving, and was ecstatic when she heard that self-driving cars were finally coming to the market. Also, at some point most of us will lose the ability to safely control a motor vehicle. I don't think...
by StormShadow
Sat Apr 11, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 177977

Re: What Movie Have You Recently Watched?

Last 5 Redbox rentals: Imitation Game (superb film) Big Hero 6 (definitely enjoyable, but not one of Disney's best) Interstellar (if you liked Contact and 2001, you'll love this... otherwise, you might want to pass) Foxcatcher (solid film) Mockingjay (only reason I saw this is because I saw the prio...
by StormShadow
Sun Mar 22, 2015 10:54 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 10524

Re: Whats a good Pistol to buy?

+1 for the S&W or Ruger revolver. Just go to a range and rent a few. I personally like Glock and Sig Sauer, but if you're not used to shooting then a semi-auto may not be ideal as a first (only?) handgun to get. Agree with others that you should take a shooting/safety course. Know the four rules...
by StormShadow
Fri Mar 20, 2015 11:56 pm
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 5665

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

I clock about 90 wpm. Good days 95+. My secret was AOL instant messenger. Typing games helped too. First you gotta start with the basics and have the correct fingers reaching for the appropriate keys. "T" with your left index, "Y" with your right index, "X" with left ri...
by StormShadow
Sat Mar 07, 2015 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for an aspiring MBA applicant
Replies: 1
Views: 436

Re: Investment advice for an aspiring MBA applicant

My 2 cents: Get the job first. Work hard and do well. Have your job pay for your masters.
by StormShadow
Sat Mar 07, 2015 12:52 am
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 4000

Re: Anyone hold precious metal

Prague wrote:Does anyone hold precious metal in their portfolio? If so, do they stick with silver or gold and in physical or paper certificate?

Gold and silver bullion coins. More of a hobby, for me. It constitutes 1-2% of my investment assets.

I like to think of it as a currency/inflation hedge.
by StormShadow
Tue Mar 03, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 13432

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Valuethinker wrote:It is sad to see anyone go. I remember David Halberstam went like this and it seemed so wrong, that we would not read more words by him.

Closer to home this one hits, too.

Not to mention Patton.

Though, I imagine Patton wasn't as pleasant to talk with.
by StormShadow
Sun Mar 01, 2015 1:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard Strikes Back With Lower Target-Date Fees
Replies: 17
Views: 6506

Re: Vanguard Strikes Back With Lower Target-Date Fees

If these funds are like other Vanguard institutional funds, they will have a $5,000,000 minimum. Too rich for my blood. :( "...Vanguard's new offerings, directed at retirement-plan providers, will require a $100 million minimum initial investment for investment-only clients, though recordkeepi...
by StormShadow
Fri Feb 20, 2015 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: In our situation, how much would you put in your 2014 Roths?
Replies: 19
Views: 1369

Re: In our situation, how much would you put in your 2014 Ro

Woah, everyone is saying to max both of them. That's unexpected. And it's extraordinarily scary. Spend $11,000 in one shot? That's coming up on our entire year's budget. Chopping our liquid cash down by that much scares me. Kind of strange, because the thought of our current Roths being 90/10 doesn...
by StormShadow
Fri Feb 20, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: In our situation, how much would you put in your 2014 Roths?
Replies: 19
Views: 1369

Re: In our situation, how much would you put in your 2014 Ro

WHL wrote:At your income level, is a Roth IRA even the right choice?

They make $25k per year. At that income level, how is a Roth IRA NOT the right choice? With the standard deduction, their income tax rate is literally 0%! In this situation, I'd max out a Roth no questions asked.
by StormShadow
Thu Feb 19, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 12805

Re: What video games are you currently playing?

Love this thread! Unfortunately, DW hasn't let me buy/play a video game since she became... DW. :oops: Last games played were: Call of Duty Modern Warfare 2 and StarCraft II Wings of Liberty (prior to expansion). Loved 'em both! I love FPS and most Blizzard games (though never started WoW... <--- pr...
by StormShadow
Sun Feb 15, 2015 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 9456

Re: Expecting a big inheritance - Should it change my life?

Plan your life as if you weren't going to get any of it.
by StormShadow
Sun Feb 15, 2015 1:41 am
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 61
Views: 5364

Re: Does anyone like the new Toyota/Lexus grilles?

2011 Camry owner here. Hmm... yeah, I'm not a big fan of the new design. The bumper grille is too much. At least the interior is nice. I like the leather covered shifter. http://assets.nydailynews.com/polopoly_fs/1.1975018!/img/httpImage/image.jpg_gen/derivatives/article_970/2015-toyota-camry-interi...
by StormShadow
Sun Feb 15, 2015 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Just no petroleum or defense?
Replies: 49
Views: 3558

Re: Just no petroleum or defense?

If it means this much to you, then you'd have to hand-pick all of the individual stocks. A bit more legwork on your part, but not impossible. Pick at least 10-15 companies to diversify your investments in, spread across several different industries. Looking at the components of the Dow Jones Industr...
by StormShadow
Fri Feb 06, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 9991

Re: How to make this fair: gifting to kids with different me

"Your kids a quite different - one went in a "traditional" track and makes quite a bit of money and saves a lot (kid A), one had more trouble settling down and makes enough to have a perfectly decent life but you'd like to encourage that one to save more (kid B)." Speaking for m...
by StormShadow
Sat Jan 31, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Play money- what is your process?
Replies: 68
Views: 5936

Re: Play money- what is your process?

Precious metals. 8-)
by StormShadow
Sat Jan 31, 2015 9:35 am
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 7141

Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar? Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument. ...
by StormShadow
Fri Jan 30, 2015 6:51 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 7141

Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar? Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument. ...
by StormShadow
Fri Jan 30, 2015 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: A Gift - tax consequences
Replies: 16
Views: 1140

Re: A Gift - tax consequences

No advice here. Just wanted to say, this is one very generous and thoughtful gift. Kudos! :beer
by StormShadow
Thu Jan 29, 2015 9:51 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 7141

Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar?

Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument.
by StormShadow
Wed Jan 28, 2015 6:53 pm
Forum: Investing - Theory, News & General
Topic: Does college tuition indeed keep up with inflation?
Replies: 15
Views: 1481

Re: Does college tuition indeed keep up with inflation?

OP, you're kidding right?

College tuition has spiraled out of control. It is the current economic bubble.
by StormShadow
Mon Jan 26, 2015 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Wisdom of transferring current assets to Vanguard?
Replies: 15
Views: 1938

Re: Wisdom of transferring current assets to Vanguard?

You answered your own question.

Run, do not walk, to Vanguard.
by StormShadow
Mon Jan 26, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 44
Views: 4577

Re: wife's purse

my wife wants a good purse and she mentioned a Coach purse. Any recommendations? She would keep it for probably ten years or more. She wants good things and keeps them forever. It would be an every day purse and said she needs the shoulder strap. SHe has been using these Vera Bradley purses, which ...
by StormShadow
Mon Jan 26, 2015 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help with stock allocation (Europe)
Replies: 14
Views: 1483

Re: Help with stock allocation (Europe)

MountainTop wrote:This is the HB Permanent Portfolio in a nutshell: 25% TSM, 25% LT BONDS, 25% GOLD, 25% CASH for prosperity, deflation, inflation and recession. ...

What do you guys think? Please be brutally honest...

Thanks!

How are you investing in the gold?

Bullion, GLD ETF, gold mining stocks... ?
by StormShadow
Fri Jan 23, 2015 11:06 pm
Forum: Personal Consumer Issues
Topic: Anyone else love reading textbooks?
Replies: 82
Views: 3216

Re: Anyone else love reading textbooks?

Negative, ghostrider.
by StormShadow
Fri Jan 23, 2015 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Young Couple Need Advice
Replies: 21
Views: 2307

Re: Young Couple Need Advice

Due to my car being a gas hog, I usually drive the lady's vehicle when I can. This is difficult, however, since it is in such bad shape cosmetically and I don't really want patients + physicians seeing me in it. Kind of silly, but the way they treat you is much different. I want to avoid this. Atte...
by StormShadow
Fri Jan 23, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Young Couple Need Advice
Replies: 21
Views: 2307

Re: Young Couple Need Advice

Due to my car being a gas hog, I usually drive the lady's vehicle when I can. This is difficult, however, since it is in such bad shape cosmetically and I don't really want patients + physicians seeing me in it. Kind of silly, but the way they treat you is much different. I want to avoid this. Atte...
by StormShadow
Thu Jan 22, 2015 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Should I open a Roth IRA ?
Replies: 25
Views: 2110

Re: Should I open a Roth IRA ?

The income limits to contribute to a Roth IRA are based on the calendar year you plan to contribute to it. If you plan to contribute to a 2014 Roth IRA, then the income limit is based upon how much you made in 2014. (Btw, you have until April 15, 2015 <tax day> to contribute to a year 2014 IRA.) For...

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