Search found 114 matches

Return to advanced search

Re: Camcorder vs. iPhone vs. DSLR Camera

Just an update:

I decided to go with a Canon Vixia HF R500 camcorder. I was able to get the camcorder, 16 and 32 gb memory cards, a camera bag, and tripod for $250. This will be good for taking longer videos, and my wife and I should both be upgrading to iPhone 6's soon for short videos and photos.
by dsmil
Fri Dec 19, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 38
Views: 1744

Re: Total Market fund for Developed countries only

I currently split developed and emerging with VDVIX and VEIEX. Canada is missing but I don't think that would have a material effect on anything.
by dsmil
Thu Dec 18, 2014 9:54 am
 
Forum: Investing - Theory, News & General
Topic: Total Market fund for Developed countries only
Replies: 17
Views: 1402

Re: What Book Are You Currently Reading? Part VI

"Enough" by John Bogle!
by dsmil
Wed Dec 17, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 254
Views: 30476

Re: Camcorder vs. iPhone vs. DSLR Camera

I have the normal sized iphone 6 with 128 gigabytes of storage... It takes care of 98% of our photo and imaging needs. Getting a 128GB phone is definitely one way for me to go, because I won't have to worry about storage size anymore. With my current 16GB phone, I have only 4GB free which would onl...
by dsmil
Wed Dec 17, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 38
Views: 1744

Re: Camcorder vs. iPhone vs. DSLR Camera

surfstar wrote:Don't forget to put down the iphone/camcorder and actually be in the scene!


I can only imagine how bad it is these days with the phones in the air. Front row seats must be necessary in order to see anything.
by dsmil
Tue Dec 16, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 38
Views: 1744

Re: Camcorder vs. iPhone vs. DSLR Camera

I definitely think that most of the pictures will be taken on my iPhone. But it seems like using the iPhone for any videos longer than a few minutes will basically take up all of the memory in the phone. Then I'll be constantly taking videos off of the phone and finding a place to store them.
by dsmil
Tue Dec 16, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 38
Views: 1744

Camcorder vs. iPhone vs. DSLR Camera

Hello Bogleheads, Does anyone have strong opinions on having a camcorder, DSLR camera, or iphone? Our first child is on the way and as my dad did for me, I'd like to have a nice collection of home videos and pictures. My wife and I currently use iPhones (I'll be upgrading to the 6 soon) and have a v...
by dsmil
Tue Dec 16, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 38
Views: 1744

Re: (Poll) Did you tap into emergency fund in the past 10 ye

mhc wrote: For example, I bailed a friend out of jail one night. I think it was $300. I don't know if that was an emergency for me. I know it was for him.
Great story. You don't see enough jail experiences popping up on this message board.
by dsmil
Thu Dec 11, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 54
Views: 3473

(Poll) Did you tap into emergency fund in the past 10 years?

Hello Bogleheads, This isn't about whether or not we should have an emergency fund, where it should be held, or how large it should be. I'm simply interested in knowing if people are generally having to tap into their emergency funds (or other funds due to an emergency) in a 10 year period. Please a...
by dsmil
Thu Dec 11, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 54
Views: 3473

Re: How do you contribute to your IRA?

I do automatic investments into index funds every month based on my desired asset allocation so I'm able to dollar cost average. At the end of the year, my investment contributions are a little short of the $5,500 limit so I move some emergency money from my savings account to a short term governmen...
by dsmil
Thu Dec 11, 2014 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you contribute to your IRA?
Replies: 33
Views: 1644

Re: What do you splurge on?

I let my wife splurge, but if I do spend money it's usually on good beer or golf.
by dsmil
Tue Dec 09, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 234
Views: 20308

Re: How to properly allocate assets across multiple investme

I don't see anything wrong with your desired asset allocation. If that is what you are comfortable doing than there isn't a need to go too crazy adding other funds. If you are opening up multiple accounts, you could definitely make those accounts have identical asset allocations. You'll just want to...
by dsmil
Tue Dec 09, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: How to properly allocate assets across multiple investments?
Replies: 7
Views: 588

Re: Where do you shop for groceries?

I go to Wegmans, which is basically a high-end grocery store with the prices of a mediocre grocery store :D
by dsmil
Fri Dec 05, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 82
Views: 6045

Re: Should I rebalance often inside a Roth/401k?

I use the 5/25 rule. I'm not familiar, would you explain please. http://awealthofcommonsense.com/larry-swedroe-525-rebalancing-rule/ Let's say you start with a 90% stocks and 10% bonds allocation. You rebalance if one of the asset classes moves away from your target allocation by 5% in absolute val...
by dsmil
Thu Dec 04, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance often inside a Roth/401k?
Replies: 11
Views: 569

Re: Should I rebalance often inside a Roth/401k?

I believe that rebalancing more often will lower your risk and returns, and at your age, I don't see this being the way to go. Near retirement, rebalancing more often makes sense. At a basic level, rebalancing is usually for selling stocks and buying bonds, because stocks outperform bonds on average...
by dsmil
Thu Dec 04, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance often inside a Roth/401k?
Replies: 11
Views: 569

Re: Exercise machine for small apartment?

P90x is great if you could get some mats that you can use to dampen the noise when it makes you jump. I did p90x in a small apartment and would do the jumping exercises in the bathroom.
by dsmil
Thu Dec 04, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 2015

Re: Bogleheads, anyone doing "Black Friday"

I found a deal on a TV earlier in the month that I couldn't pass up, and I've yet to see a Black Friday deal that is better, other than a stand on line during Thanksgiving doorbuster.
by dsmil
Mon Nov 24, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 5667

Re: Buying index mutual funds and holding ETF's strategy

This would save you at most $12/year, minus the ETF spread and 2+ days out of the market when you have enough for Admiral shares and want to get off the conversion bandwagon. Granted, conversion is a quick phone call, but I'd be too lazy and a little embarassed to make multiple phone calls a year t...
by dsmil
Fri Nov 07, 2014 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: Buying index mutual funds and holding ETF's strategy
Replies: 7
Views: 569

Re: Buying index mutual funds and holding ETF's strategy

You aspire to owning Admiral shares and should get there quickly. I own lots of ETFs and have nothing against them. Have you tried one of them yet? I do have VTSAX in a Traditional IRA but my monthly investments are currently all directed into ETF's held in a Roth with balances under the Admiral re...
by dsmil
Fri Nov 07, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Buying index mutual funds and holding ETF's strategy
Replies: 7
Views: 569

Re: Buying index mutual funds and holding ETF's strategy

It doesn't make sense since the expense ratios for Vanguard index funds is the same as the expense ratio for Vanguard ETFs. That is, if you use the Admiral share class of the index fund. This assumes that we're talking about Vanguard ETF's and funds,IRA's (no tax differences), with balances under t...
by dsmil
Fri Nov 07, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Buying index mutual funds and holding ETF's strategy
Replies: 7
Views: 569

Buying index mutual funds and holding ETF's strategy

Has anyone tried a strategy where you do monthly dollar cost averaging into index funds (ex: VTSMX) and then convert these shares into ETF's (ex: VTI) during rebalancing or at another regular interval? Keeping in mind that some money must be left in the index fund to keep it open. Because expense ra...
by dsmil
Fri Nov 07, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Buying index mutual funds and holding ETF's strategy
Replies: 7
Views: 569

Re: How often do you change your car's oil?

I get it changed every 6 months which is in line with the 7,500 mile interval that my manual recommends for my '97 Acura Integra.

My wife has a '01 Toyota Rav 4 with 155k miles and until recently, she used to go at least 20k miles without changing it and her car has never had any problems.
by dsmil
Mon Oct 27, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12286

Re: Costa Rica

Here are some links to some of the things that we enjoyed. The tubing down the rapids was our favorite but you'll need to be a little adventurous! We stayed at Recreo which is villa style, so perfect for a family. It's a little off the beaten path though, so getting to your daily excursions takes aw...
by dsmil
Wed Jul 16, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 11
Views: 1815

Re: How many Bogleheads golf?

I love golf and usually play 20-30 times per year. I keep it cheap by avoiding primetime on weekends and playing at the cheapest courses in my area. I also always sell my old clubs and buy used ones.
by dsmil
Mon Jul 14, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4709

Re: Does the principal payment on a mortgage even matter?

Not everyone is a boglehead though, and some are worse off with greater liquidity. Agreed, we didn't do a typical Boglehead move when going with an FHA loan with 3.5% down in the fall of 2012, but it has worked out well for us with the rising interest rates and prices. Sometimes I wish that we spre...
by dsmil
Wed Jun 11, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does the principal payment on a mortgage even matter?
Replies: 15
Views: 2320

Does the principal payment on a mortgage even matter?

Do we worry too much about the principal portion of our mortgage payment when calculating affordability? As long as our monthly cash flow is fine, should this even matter? A house isn't a depreciating asset, so in theory we should get back any principal that we pay (either at sale or through net wor...
by dsmil
Tue Jun 10, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Does the principal payment on a mortgage even matter?
Replies: 15
Views: 2320

Re: Emergency Fund Revisited

Are emergency funds like a useless middle man? Does a credit card eliminate some of the need for a liquid emergency fund? If an emergency happens and we have to deplete half of our emergency fund, don't most people use investments to replenish the emergency fund anyway? Either by directly withdrawin...
by dsmil
Tue May 20, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Revisited
Replies: 24
Views: 1892

Re: Is it ever okay to use IRA to pay off student loan?

Assuming that you are young and don't have a full emergency fund, I'd keep the the money in the Roth if I were you. I'd rather have $8k in a Roth and $8k in good debt, than $0 in both because you can use the Roth contributions in an emergency if needed. Also, since student loan interest is tax deduc...
by dsmil
Fri Apr 18, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever okay to use IRA to pay off student loan?
Replies: 5
Views: 687

Re: What Book Are You Currently Reading? Part V

Just finished "You Herd Me" by ESPN radio host Colin Cowherd, now moving on to "Every Shot Counts" by Mark Broadie. I moved into my current town a year ago and am now realizing how great the library can be. "Every Shot Counts" was released a month ago and now I'm readin...
by dsmil
Fri Apr 18, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1231277

Re: If you leave your job, can you use up your whole FSA?

My wife's employer has a dependent care FSA where we can contribute up to $5k. I wonder if these loopholes work similarly, using the birth of a baby as a life-event. Example: Elect the maximum $5k contribution for 2015, have a baby in early 2015 (hard to plan but still), and cancel the salary deduc...
by dsmil
Thu Apr 17, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 29
Views: 2351

Re: If you leave your job, can you use up your whole FSA?

My wife's employer has a dependent care FSA where we can contribute up to $5k. I wonder if these loopholes work similarly, using the birth of a baby as a life-event. Example: Elect the maximum $5k contribution for 2015, have a baby in early 2015 (hard to plan but still), and cancel the salary deduct...
by dsmil
Thu Apr 17, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 29
Views: 2351

Re: New TV or Sound bar?

After doing some more research I think I'm going to go with a ZVOX SoundBase 220 and get this HDMI switch - http://www.monoprice.com/Product?c_id=101&cp_id=10110&cs_id=1011001&p_id=8148&seq=1&format=2 I may also get a Bluetooth receiver, but don't really want one extra thing to ...
by dsmil
Wed Apr 09, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 3694

Re: Tough college choice

http://www.udel.edu/IR/reports/cplan/2011/ The link above is data pulled from a survey given to 2011 graduates at Delaware. Not everyone returns the survey so I'm not sure how accurate it is, but you can find Fashion Merchandising info in the Arts and Sciences section. I think this is the most recen...
by dsmil
Mon Mar 24, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 72
Views: 17020

Re: Tough college choice

I graduated from Delaware a few years ago, and most of us accounting majors were able to have job offers during our senior year. It's more efficient for companies to recruit students from a few large schools rather than having to visit a ton of small ones. Plus, employers may not have already hired ...
by dsmil
Mon Mar 24, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 72
Views: 17020

Re: Do you love your job? What do you do?

imgritz wrote:I love my secondary job: Beer researcher and consumption.


If this were Facebook than I would have "liked" this post
by dsmil
Fri Mar 21, 2014 7:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 11268

Re: Do you love your job? What do you do?

I'm a CPA in my mid-20's, and moved from public accounting to private industry last year. I don't think I'll ever "love" accounting, but I work 40 hours per week, have no stress at work, have a short commute for the area, and get paid well. My future earning potential may not be as good wi...
by dsmil
Fri Mar 21, 2014 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 11268

Re: Bogleheads Stance on Home Buying

IMO the Bogleheads can sometimes be too conservative when it comes to the down payment and emergency fund needed before buying a home. In 2012, home prices and interest rates were very low which created a nice buying opportunity, even without 20% down or a huge emergency fund. As far as how expensiv...
by dsmil
Tue Mar 18, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Stance on Home Buying
Replies: 61
Views: 5763

Re: Best rewards/travel credit card

I like Chase Sapphire Preferred. The ability to exchange points into programs like Southwest or Hyatt is awesome. I'm going to Europe this summer and booked $600/night rooms in Paris for $200 of points.
by dsmil
Wed Mar 12, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 29
Views: 2898

Re: Buy vs rent no longer relevant?

I like the idea of buying if you have an emergency fund setup and if you think that you'll be in the same area for awhile. And when looking at the monthly costs of buying vs. renting, you could probably discount your house costs by the principal payment of your loan since you basically own an asset ...
by dsmil
Fri Mar 07, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 6140

Re: 401 match (poll)

The amount that my company contributes is discretionary based on a % of salary. Since the fees are high, I don't contribute at all since it has no effect on what the company puts in. I think that they usually give around 2% of salary.
by dsmil
Fri Mar 07, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: 401 match (poll)
Replies: 33
Views: 1972

Re: POLL: What Percentage of Your Retirement Portfolio is Ro

I'm at around 50%, although everything that I've invested other than my 401k is in a Roth. Assuming that we aren't phased out anytime soon, I don't see this changing. I'm in my mid-20's and by the time that I retire, I could easily see tax rates significantly higher than they are now considering the...
by dsmil
Fri Jan 24, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: What Percentage of Your Retirement Portfolio is Roth?
Replies: 42
Views: 3128

Re: What Book Are You Currently Reading? Part V

I'm reading Fantasy Life by Matthew Berry. An entire book about fantasy sports and I'm hooked so far.
by dsmil
Fri Jan 24, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1231277

Re: Stocks/Bonds Allocation Curved Calculations

http://www.mymoneyblog.com/target-date-retirement-funds-401k.html This chart gives a good comparison of a few of the target retirement funds. Vanguard looks like they are at about 90% equities until you get to 25 years away from retirement where they start decreasing equities by 1.6% each year. htt...
by dsmil
Wed Jan 22, 2014 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Stocks/Bonds Allocation Curved Calculations
Replies: 4
Views: 360

Re: Stocks/Bonds Allocation Curved Calculations

This is my own plot of the numbers from a Morningstar source. Huh. For some reason the forum software is not letting me post inline images online today... anyway, it's at http://i39.tinypic.com/33vdb9f.jpg The link for that source, now updated to 2013, is: https://corporate.morningstar.com/us/docum...
by dsmil
Wed Jan 22, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Stocks/Bonds Allocation Curved Calculations
Replies: 4
Views: 360

Stocks/Bonds Allocation Curved Calculations

Does anyone have any models or links to websites which show stocks/bonds allocation percentages based on a curve rather than the normal x - Age straight-line? I've been using 115-age but I feel as though a curved model where bonds increase exponentially makes more sense. By looking at the Vanguard t...
by dsmil
Wed Jan 22, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: Stocks/Bonds Allocation Curved Calculations
Replies: 4
Views: 360

Re: Getting married and buying a house.

First of all, great username. Second, my wife and I are your age and bought a house last year. The Bogleheads were pretty negative when I posted the question on whether we should buy a house, but we found it to be a great decision and are very happy. Your finances are in better shape than ours so yo...
by dsmil
Fri Jan 17, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting married and buying a house.
Replies: 2
Views: 361

Re: Who Invests 100% in Passive Index Funds/ETFs

I'm 100% in Vanguard ETF's and the only thing I see changing in the future is moving to index funds
by dsmil
Thu Jan 16, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Who Invests 100% in Passive Index Funds/ETFs
Replies: 79
Views: 6024

Re: Good/ enjoy math, but dislike programming: College major

I'd recommend accounting based on my experience, although I wished that I double majored with Finance. As long as he goes to a decent school, have a 3.0, and can interview well, he shouldn't have trouble getting a job offer at the beginning of senior year. You also don't need a Master's degree and c...
by dsmil
Mon Jan 13, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Good/ enjoy math, but dislike programming: College major?
Replies: 65
Views: 3485

Re: Comcast Premium Entertainment Reward Offer

I just received a ‘Premium Entertainment Reward’ offer in the mail. Because I am a “valuable customer” Comcast is offering me a two year agreement at no additional charge that includes the choice of two premium channels from HBO, SHOWTIME, Cinemax, or STARZ plus Streampix. Thinking this might be to...
by dsmil
Thu Nov 21, 2013 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Comcast Premium Entertainment Reward Offer
Replies: 5
Views: 818

Re: Should having a pension effect our asset allocation?

MBMiner wrote:You might ask the teacher how it affects your asset allocation. :happy
Bruce


Smart man, always ask the teacher first, change made
by dsmil
Mon Apr 01, 2013 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Should having a pension affect our asset allocation?
Replies: 23
Views: 2326
Next

Return to advanced search