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Re: Determining House Needs

I like the idea of buying a house that could work for you forever, even if you'd ideally want something larger down the line. That way you keep your options open depending on your future financial and family situation. I don't think I"d be able to get myself to spend money on a house that I onl...
by dsmil
Mon Jan 26, 2015 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Determining House Needs
Replies: 5
Views: 478

Re: Salary to Home Value/Mortgage Ratio?

We were 1:3 when we bought 2 years ago, and are now at 1:2. I found that I wasted a lot of time with ratios before buying our house, when applying the housing costs to our budget was much more useful.
by dsmil
Sun Jan 25, 2015 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary to Home Value/Mortgage Ratio?
Replies: 49
Views: 4877

Re: Establishing Priorities - Work vs Life Balance

I've seen a lot of articles that state that on average, happiness increases until you make a certain amount of money (which you already do). After this, happiness stays the same. I'm not an expert but I tend to think that experiences and relationships are what drives long term happiness, while mater...
by dsmil
Thu Jan 22, 2015 11:52 am
 
Forum: Personal Consumer Issues
Topic: Establishing Priorities - Work vs Life Balance
Replies: 20
Views: 1828

Re: Childcare and Taxes

Deleted
by dsmil
Thu Jan 22, 2015 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Childcare and Taxes
Replies: 7
Views: 693

Re: ROTH as a Emergency Fund Vehicle

I agree with the previous posters. If you aren't able to completely max your Roth with retirement money, than fill up the rest with emergency funds. My wife and I use this strategy since we're building our emergency fund and find ourselves a little short on maxing the Roth from retirement investment...
by dsmil
Sat Jan 17, 2015 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH as a Emergency Fund Vehicle
Replies: 19
Views: 1951

Re: What Movie Have You Recently Watched?

Just got back from seeing American Sniper. It was a good movie, as expected, and I can't turn down a good war movie. I've never heard such a quiet crowd coming out of the theater.

I also finally watched The Godfather for the first time today, and will be watching The Godfather Part II tomorrow.
by dsmil
Sat Jan 17, 2015 11:31 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 471
Views: 54898

Re: Help setting up college savings account

I just looked at the Virginia plan info and the fees are quite low and comparable to the Vanguard (Nevada) plan, so I'd definitely consider that route if I lived in VA because of the tax incentives. I'm a little envious as a Maryland resident, as their plan at T Rowe Price is pretty bad IMO from a ...
by dsmil
Wed Jan 14, 2015 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help setting up college savings account
Replies: 36
Views: 2195

Re: Help setting up college savings account

If you're already putting away enough of your income for retirement, why would you put more into the 401k that can't be used to pay for college? Here are three reasons: 1. One can generally borrow from 401(k) plans for any reason including college expenses. We borrowed from a 401(k) plan and put th...
by dsmil
Wed Jan 14, 2015 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Help setting up college savings account
Replies: 36
Views: 2195

Re: Help setting up college savings account

Generally, a family should make maximum possible legal contributions to their retirement plans before contributing even one cent to a 529 plan. Can you explain the reasoning for this? I'm also thinking about starting a 529 plan but am considering other options. If you're already putting away enough...
by dsmil
Wed Jan 14, 2015 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Help setting up college savings account
Replies: 36
Views: 2195

Re: Home downpayment/Roth IRA

I think that this would be a good idea, only if you were already contributing a good portion of your income towards retirement. As I read your post, 6% of your income is going towards retirement and any other savings would go towards a down payment. I think at least doubling that retirement savings ...
by dsmil
Mon Jan 12, 2015 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Home downpayment/Roth IRA
Replies: 2
Views: 350

Re: Target Date Fund vs. 3 Fund Portfolio

I clicked "other" because I have a different allocation, but you can't go wrong with target date or 3 fund as well. 44% Total U.S. (VTSAX) 20% Total Int'l (VGTSX) 10% REIT (VGSIX) 10% Bonds (VBMFX) 9% Small Cap Value (VISVX) 7% Emerging (VEIEX) I got to 10% bonds by doing 115-Age in stocks...
by dsmil
Sat Jan 10, 2015 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 42
Views: 3878

Re: Increase Investing or Pay Down Mortgage?

I think that investing 15% of your income is a nice goal. The best option would probably be to max out the Roth IRA ($5,500/yr) and put the rest into your Roth 401k. The interest rate on your mortgage is so low that I wouldn't even think about paying that off early. In addition, in the case of an em...
by dsmil
Thu Jan 08, 2015 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Increase Investing or Pay Down Mortgage?
Replies: 16
Views: 2018

Re: What is the best product to clean golf clubs?

Another good tip is to wet the bottom half of your towel before the round. Then you can wipe the club with the bottom half and dry it with the top half.
by dsmil
Wed Jan 07, 2015 11:26 am
 
Forum: Personal Consumer Issues
Topic: What is the best product to clean golf clubs?
Replies: 14
Views: 1044

Re: What is the best product to clean golf clubs?

I know that a lot of people live by the club cleaner that Frogger makes (http://www.froggergolf.com/brushpro-seo/). I personally use a brush like this during rounds, and use wet towel with dish soap to clean both the heads and grips after every other round or so. Cleaning the grips definitely keeps ...
by dsmil
Wed Jan 07, 2015 9:29 am
 
Forum: Personal Consumer Issues
Topic: What is the best product to clean golf clubs?
Replies: 14
Views: 1044

Re: How Many Credit Cards do you have?

3 that I use actively: Chase Sapphire Preferred - Main Card - The best part of this card is that the points earned can be transferred to other programs (my favorite is Hyatt) Chase Freedom - Use for the 5% rotating categories and combine points with those earned with Sapphire Preferred BankAmericard...
by dsmil
Tue Jan 06, 2015 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 13708

Re: How do you calculate your savings rate?

I include all of the obvious savings plus principal payments on the mortgage and my wife's contributions to her teacher's pension. Of course the pension may not work the way we'd like it to in 30-40 years, but it's still money that we're putting away. For our Roth contributions, I also multiply the ...
by dsmil
Tue Jan 06, 2015 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you calculate your savings rate?
Replies: 44
Views: 3956

Re: What to do with my Vanguard Roth IRA?

Good information regarding investing and asset allocation

http://www.mymoneyblog.com/my-money-blo ... o-money#aa
by dsmil
Tue Jan 06, 2015 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my Vanguard Roth IRA?
Replies: 12
Views: 1079

Re: What to do with my Vanguard Roth IRA?

Welcome to the club! I only have 3 years on you but I can say that you'll learn a lot by using this site, as well as reading books like A Random Walk Down Wall Street and A Bogleheads Guide to Investing. After you receive your company match, you definitely want to keep pouring in $5,500 per month i...
by dsmil
Mon Jan 05, 2015 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my Vanguard Roth IRA?
Replies: 12
Views: 1079

Re: What do you drive, and why?

1997 Acura Integra because it's the only car I've ever owned and it runs great. It will be funny in March when I'm driving my newborn around in my high school car.
by dsmil
Mon Jan 05, 2015 11:11 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 190
Views: 15746

Re: What to do with my Vanguard Roth IRA?

Welcome to the club! I only have 3 years on you but I can say that you'll learn a lot by using this site, as well as reading books like A Random Walk Down Wall Street and A Bogleheads Guide to Investing. After you receive your company match, you definitely want to keep pouring in $5,500 per year int...
by dsmil
Mon Jan 05, 2015 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my Vanguard Roth IRA?
Replies: 12
Views: 1079

Re: Best albums from 2014?

"Growing In" by I Can Make a Mess

I will be presently surprised if any Bogleheads have heard this album
by dsmil
Wed Dec 31, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 61
Views: 5235

Re: Where I was in March vs. Where I am now.

Great job, keep it up!
by dsmil
Tue Dec 30, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Where I was in March vs. Where I am now.
Replies: 4
Views: 851

Re: Do you usually order beverage at restaurants?

I usually order water, but if the restaurant has some good craft brews than I'll often order one.
by dsmil
Mon Dec 29, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7631

Re: Have you ever hoped for a correction?

If I were selfish, I would want the market to tank because I'm in my 20's and don't have as much skin in the game as I will later in life. Luckily, I'm a good son and wouldn't wish that on my parents who would like to retire one day :D
by dsmil
Wed Dec 24, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Have you ever hoped for a correction?
Replies: 52
Views: 3551

Re: What Movie Have You Recently Watched?

"Rain Man" with Dustin Hoffman and Tom Cruise. Amazing acting by Hoffman, great movie!
by dsmil
Tue Dec 23, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 471
Views: 54898

Re: What are your 2015 Financial Goals?

1) Stay employed
2) Wife take leave from teaching job when first child is born in March, and return in August as a part-time teacher
3) Max out his and her Roth IRA's
4) Buy term life insurance
5) Grow emergency fund from 5 to 6 months by staying on budget
by dsmil
Mon Dec 22, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 8237

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: 39
Views: 2456

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: 1464

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: 441
Views: 56878

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: 39
Views: 2456

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: 39
Views: 2456

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: 39
Views: 2456

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: 39
Views: 2456

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: 64
Views: 5768

(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: 64
Views: 5768

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: 1709

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: 237
Views: 24385

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: 609

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: 97
Views: 8017

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: 589

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: 589

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: 2076

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: 6384

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: 605

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: 605

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: 605

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: 605

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: 12956

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: 1821

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: 4776
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