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Re: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

edmunds has a pretty good explanation of calculating your lease payment which you might find helpful to get a ballpark number.
http://www.edmunds.com/car-leasing/calc ... yment.html
by fulltilt
Thu Mar 20, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 3684

Re: The dealership wants my 2 year old car back?

I get letters all the time telling me that the dealer can put me into a brand new Honda CRV for the same monthly payment as we are paying now....
by fulltilt
Fri Mar 07, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 5155

Re: How did people work out in the past?

I don't know the answer so that is why i am asking the question, but it seems like people today sign up for gym memberships to force themselves to workout doing things they hate for the sake of "exercise". Some people actually like working out in a gym. They did these things because they ...
by fulltilt
Wed Feb 19, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: How did people work out in the past?
Replies: 36
Views: 2408

Re: How did people work out in the past?

... Many people didn't need to "work out" as much in the past, or didn't even perceive it to be an issue, at least not as we currently understand the term. There were things called farms and factories, where people did physical labor. And there were things called walkable cities, and real...
by fulltilt
Wed Feb 19, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: How did people work out in the past?
Replies: 36
Views: 2408

How did people work out in the past?

There is certainly no shortage of options for working out now days. There are 24 hour gyms, running clubs, yoga, pilates, etc. These all seem to be really new creations. What i want to know is what did people do to work out in the 1950s, 1960s, 1970s, ... before all of this options became available....
by fulltilt
Wed Feb 19, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: How did people work out in the past?
Replies: 36
Views: 2408

Re: Given High PE10, How about this AA?

steve_14 wrote:
fulltilt wrote:Given the current market conditions...


What about current bond market conditions? Shouldn't we be overweighting stocks now, given the high ratio of bond price to interest?


I think that depends on what you think the role of fixed income is in your portfolio.
by fulltilt
Fri Jan 10, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Given High PE10, How about this AA?
Replies: 13
Views: 683

Re: Given High PE10, How about this AA?

50/50 Domestic/International is what I use, and it is perfectly reasonable. Technically speaking, it's a tilt toward US equities from a world capitalization standpoint. Most on this board will not disagree strongly with any international allocation between 20-60%. Basically, you have a strong tilt ...
by fulltilt
Fri Jan 10, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Given High PE10, How about this AA?
Replies: 13
Views: 683

Given High PE10, How about this AA?

Given the current market conditions, what do you guys think about this asset allocation for someone who is going to accumulate for the next 20 years and try to retire in 2035-2040? 50% Total Stock Market Index (Or 25% S&P, 25% small; OR slice and dice as you see fit) 25% Total Developed Internat...
by fulltilt
Fri Jan 10, 2014 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Given High PE10, How about this AA?
Replies: 13
Views: 683

Checklist for the Arrival of a Baby

My wife just gave birth to our first child, a daughter, and i sure there are tons of things that i have to do from a financial perspective. Does anyone have any links or ideas for a good checklist of things that i need to do? Any caveats i should be aware of in terms of insurance or anything?
by fulltilt
Sat Dec 14, 2013 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checklist for the Arrival of a Baby
Replies: 22
Views: 1845

Re: Tactical Flashlight for long walks at night vs. pepper s

Don't take anything with you that you don't want used against yourself as a weapon. That pretty much rules out a tactical flashlight, knife, gun and pepper spray.

I would take a fully charged cell phone and bright clothing on your walks.

Learn what constitutes *real* self defense.
by fulltilt
Tue Dec 03, 2013 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 5113

Re: My Target Date Fund Overweights Large Growth?

This is a great point about Target Date Funds. These funds are defaults for most retirement plans and many individuals blindly believe picking a fund based upon their retirement date means it fits their risk portfolio. I really dislike them because once you get over 4 or 5 funds, it is very difficu...
by fulltilt
Wed Nov 27, 2013 11:43 am
 
Forum: Investing - Theory, News & General
Topic: My Target Date Fund Overweights Large Growth?
Replies: 5
Views: 365

My Target Date Fund Overweights Large Growth?

Here is the breakdown of my target date 2035 fund available through my 401k at work. Can someone tell me why they might choose this allocation in terms of MPT and/or FF? Let's assume that they are acting in good faith and not loading up on funds to enrich themselves... American Funds Growth Fund R6....
by fulltilt
Wed Nov 27, 2013 11:00 am
 
Forum: Investing - Theory, News & General
Topic: My Target Date Fund Overweights Large Growth?
Replies: 5
Views: 365

Re: Boglehead Beer

Bumping this old thread, but hey, it's about beer. Just about to start building a kegerator for my homebrew(s). Anybody else ever do anything like this? Several good guides on the web on how to do it, what mini-fridge to use, etc. And then, I start building my basement bar (hello mid-life crisis, b...
by fulltilt
Thu Aug 22, 2013 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 48104

Re: Strategy and tactics for auto-pilot investing

From this back-of-the-envelope calculation it seems like it's more important to consider the average gain rather than whether the taxes are deferred. But I do know that the conventional wisdom is to put bonds in tax-sheltered accounts, so I must be missing something, what is it? livesoft is razzing...
by fulltilt
Sun Jul 28, 2013 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategy and tactics for auto-pilot investing
Replies: 15
Views: 1760

Re: Strategy and tactics for auto-pilot investing

From this back-of-the-envelope calculation it seems like it's more important to consider the average gain rather than whether the taxes are deferred. But I do know that the conventional wisdom is to put bonds in tax-sheltered accounts, so I must be missing something, what is it? livesoft is razzing...
by fulltilt
Fri Jul 26, 2013 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategy and tactics for auto-pilot investing
Replies: 15
Views: 1760

Re: Late 30s: 2 Years In

I think this is the part where someone jumps in and says that money is fungible.

If I have the money to pay off the loans, then whether or not i actually pay them off doesn't matter. My cash flow is not affected.

Money is fungible. :twisted:
by fulltilt
Fri Jul 19, 2013 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4398

Re: Don't take the cash.

I am thinking of just taking a lump sum when i leave and immediately buying bonds. Fulltilt: Taking the lump sum from a pension plan is nearly always a serious mistake because the lump sum is all taxable (at income tax rates) leaving that much less to reinvest. Rolling-ove r (tax-free) into an IRA ...
by fulltilt
Thu Jul 18, 2013 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4398

Re: Late 30s: 2 Years In

For the purposes of maintaining domestic tranquility, I think we are going to keep our savings account at roughly 15-20% of our gross pay for now which is the most we can afford the the moment. As far as maxing out all of our accounts, that would be a dream. It will never happen though. we have 401...
by fulltilt
Thu Jul 18, 2013 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4398

Re: Late 30s: 2 Years In

So in summary: 1. Double your cash reserves 2. Max out Roth IRAs (or 401ks for tax reasons...) 3. Pay down remaining consumer debt 4. Max out all retirement vehicles 5. Contribute to college fund For the purposes of maintaining domestic tranquility, I think we are going to keep our savings account ...
by fulltilt
Thu Jul 18, 2013 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4398

Re: Late 30s: 2 Years In

I don't have much home equity. I am not planning on staying in the house long term. The only way i could get a significantly lower rate would be to move to an ARM or a 15 year. Those options are somewhat attractive from the perspective of ROI, but I am trying to minimize my cash outflows for the nex...
by fulltilt
Thu Jul 18, 2013 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4398

Re: Late 30s: 2 Years In

Tax Rate: Low 25% If your gross income is still around $110,000 you should try to get under the 25% bracket. This is a key point to clear up, because it makes a big difference whether you're in the 25% or 15% bracket -- this is decisive for such questions as whether to prioritize pre-tax (401k or T...
by fulltilt
Wed Jul 17, 2013 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4398

Re: Late 30s: 2 Years In

New cars are wealth killers. Financing a new car, and having to take on the additional cost of insuring the thing, is a huge money pit. I think your 1992 Honda Accord was adequate for your needs. Heck, I rode around in a 1973 Dodge Dart and I'm still alive. I loved my Honda. It was an awesome car f...
by fulltilt
Wed Jul 17, 2013 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4398

Re: Late 30s: 2 Years In

I am stressed that we aren't saving enough for retirement, and i feel extra stress because i started saving seriously in my early-ish thirties. --And you decided to minimize your cash flow and put it towards a car instead. Maybe you need to re-evaluate this and other choices. --Although from your i...
by fulltilt
Wed Jul 17, 2013 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4398

Re: Late 30s: 2 Years In

As far as how to treat the pension, there are a bunch of ways of thinking about it. Each has it's pluses and minuses. A key factor is how is this pension guaranteed? If the company were to go bankrupt would you still get whatever is vested in your account? That would be a big factor in whether or n...
by fulltilt
Tue Jul 16, 2013 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4398

Re: Late 30s: 2 Years In

What are the annual retirement contributions for you and your wife? Will your wife keep working after she has a baby? She is going to continue to work. Our annual contributions are 10.8% of our gross pay to our retirement accounts. That is excluding her pension plan and mine which makes it a bit mo...
by fulltilt
Tue Jul 16, 2013 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4398

Late 30s: 2 Years In

This is a follow up to my first portfolio review post which is available here: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=88783 Debt: Mortgage: $140,000 @ 4.375% (30 year) Her Car loan: $9,233 @ 1.85% His Car loan: 22,175 @ 1.59% My student loan: $12,942 @1.65% No CC debt Emergency Fund...
by fulltilt
Tue Jul 16, 2013 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4398

Re: REITS

This thread might be interesting to you.

viewtopic.php?f=10&t=115965&p=1688269&hilit=reit#p1688269
by fulltilt
Fri Jul 12, 2013 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: REITS
Replies: 26
Views: 2873

Re: Not happy with market

blueridge wrote:C'mon guys, I seriously doubt that the OP is serious. If I'm wrong, my apologies, but...really.


yup. I think he is a troll.
by fulltilt
Thu Jul 11, 2013 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13466

Re: Talking With My Sister About Investing and Risk

Is there any way to convince her of the risks inherent in this? I come across as hopelessly fuddy duddy, and just look at the mediocre returns that a balanced approach get compared to the 15 bagger the company stock has been. Don't try to "convince" her of the risks. If you inform her of ...
by fulltilt
Thu Jul 11, 2013 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Talking With My Sister About Investing and Risk
Replies: 22
Views: 1710

Re: Thinking about reducing international

letsgobobby wrote:This is starting to feel like good old fashioned trolling.


+1
by fulltilt
Wed Jul 10, 2013 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about reducing international
Replies: 24
Views: 1984

Re: How to get over finance envy

Ironically, ever since I started reading Bogleheads I have been feeling finance envy more and more often... that "how old were you when you made your first 100k" thread from a while back really shook me up! So many people the same age as myself had so much more money saved up. I totally a...
by fulltilt
Wed Jul 10, 2013 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 17276

Re: Buying a car outright smartest financially?

I am in sales. A significant portion of the income is salary, which is near 6 figures. If I were to have a good year next year and hit quota I'd actually be more close to 200k. Don't raid your savings/retirement to buy the car. Pay cash for the car if must have it. If i had unsteady income that was...
by fulltilt
Sat Jul 06, 2013 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Buying a car outright smartest financially?
Replies: 149
Views: 10315

Re: 401k/rollover IRA, and my car

On my rollover IRA, I can't add to it in its current state I don't see why not unless it is still in your husband's name. It's an IRA. You are allowed to contribute up to $5,500 this year to an IRA. The advantage of keeping it separate is you have a few better choices (a cheaper bond bund, a more c...
by fulltilt
Fri Jul 05, 2013 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k/rollover IRA, and my car
Replies: 19
Views: 1878

Re: Putting the rest into stocks?

I basically want to "put this money to work" because I can't figure out what to do with it - which is a good problem to have. :) How are you going to feel when half of your employees get fired? In all seriousness, i have read several of your posts, and you seem young and untested. Several...
by fulltilt
Fri Jul 05, 2013 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putting the rest into stocks?
Replies: 16
Views: 1269

Re: Complete noob looking for investing guidance

Thanks for the reply. I just wanted to clarify my loan situation. It's actually 2.5% but its through my parents. I have no minimum payment right now and no set time frame to pay it off. However I would like to pay it off in 15-20 years. Wouldn't it be best to start off paying a small amount within ...
by fulltilt
Fri Jul 05, 2013 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Complete noob looking for investing guidance
Replies: 36
Views: 1955

Re: Having a baby -- [PPACA]

It can cost up to $250K to raise a child from birth to age 18. Can it cost $250K to give birth to a child? Perhaps, but that is if you have a premie or newborn with multiple conditions. Get the health insurance for your wife, use some of that cash now, delaying because your waiting for some governm...
by fulltilt
Fri Jul 05, 2013 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Having a baby -- [PPACA]
Replies: 23
Views: 2280

Re: Reducing water flow to sump pump

I have a similar issue. When it rains, my sump pump runs a lot. I am trying to divert as much water away from my house as possible to minimize how hard my sump pump needs to work. I have been doing a lot of reading and i liked the info on on the EPA's website . Have you determined what the actual pr...
by fulltilt
Fri Jul 05, 2013 10:03 am
 
Forum: Personal Consumer Issues
Topic: Reducing water flow to sump pump
Replies: 31
Views: 2903

Re: Will the Small-Value premium persist over 40 years?

Maybe the small value premium will persist, but, so what? It's not enough for there just to be a premium. You can always amp up risk and reward without changing asset classes, just by increasing the percentage allocation to the risky asset (and using leverage if necessary). You've stated this often...
by fulltilt
Tue Jul 02, 2013 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Will the Small-Value premium persist over 40 years?
Replies: 73
Views: 6242

Re: Beginner STOCKS questions

Or is it like stocks where you hold onto it for a couple years and sell it, if its doing good. Also are they good for a beginner? I'm only 16 and just looking to make some extra cash for a jump start in life and maybe get a car later. I know its not a get rich thing. So if someone could please elab...
by fulltilt
Sun Jun 30, 2013 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Beginner STOCKS questions
Replies: 6
Views: 542

Re: 401k/rollover IRA, and my car

Welcome to the forum. If you need to buy a new car, then pay cash. Only spend as much as you need to spend (no more than $5k sounds reasonable). If you bought a new car for about $5k, then it looks like you would still have about $6k left in cash. I don't think you need to pay off all of your debt b...
by fulltilt
Sun Jun 30, 2013 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k/rollover IRA, and my car
Replies: 19
Views: 1878

Re: Newbie Seeking Index Fund Info

Thanks everyone for your input. I need to vent.... :annoyed Welcome to the forum. Don't get discouraged. Elbowman is correct. If you take the time to fill in the details of the funds in your 401k, and clarify some other details about your situation, you will get much better advice. Edit your previo...
by fulltilt
Fri Jun 28, 2013 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Newbie Seeking Index Fund Info
Replies: 12
Views: 1251

Re: Is this a good day to buy some more?

enderland wrote:It's not the first or fifteenth of the month, so I guess not.


I usually find that every other Friday is a good time to buy. My spouse, on the other hand, prefers to invest on the 15th and 30th.
by fulltilt
Thu Jun 20, 2013 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Is this a good day to buy some more?
Replies: 59
Views: 5295

Re: Do I need so much cash?

Thanks for the words yall. Not so many years ago I did not have enough loot to have much of an emergency fund, so I understand the peace of mind that comes with cash. That being said I also did not have much $ in taxables either. I am in my late 20s and most of my investments are stocks, but my pla...
by fulltilt
Tue Jun 18, 2013 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I need so much cash?
Replies: 17
Views: 2951

Re: Bad day for REITs

Did we just pass the "dark cloud" that was alluded to in W. Bernstein's post about REITs? i.e. There was about a 10% drop in the last month or so. I'm debating about making a new contribution in my tax-deferred account to buy more shares of VNQ. Would make new contributions if you thought...
by fulltilt
Fri Jun 14, 2013 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad day for REITs
Replies: 63
Views: 8028

Re: What Short Term $$$ Goals Have You Achieved?

We paid off my wife's student loans. They were about $26k. It look us less than 2 years, but we had to take a pretty big chunk out of our emergency fund to do it. We are working on building our emergency fund back up right now.
by fulltilt
Thu Jun 13, 2013 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Short Term $$$ Goals Have You Achieved?
Replies: 13
Views: 1911

Re: HDHP X2 just to get the HSA contribution?

... Still, you're never any worse off than you would be with either plan alone, regardless of order, and it looks like it's actually better to have the worse plan be primary, because otherwise the secondary will never pay anything. I am not sure i follow your logic. If my wife's plan were primary f...
by fulltilt
Fri Jun 07, 2013 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: HDHP X2 just to get the HSA contribution?
Replies: 19
Views: 1110

Re: Free Cars for Life [POLL]

There are two Dave Ramsey videos on YouTube that claim to show how you can buy Free Cars for Life . And the other is here . Does this math really work? It sounds too good to be true. What about taxes, unexpected repairs, depreciation, higher insurance, etc.? I think you answered your own question. ...
by fulltilt
Fri Jun 07, 2013 1:14 am
 
Forum: Personal Consumer Issues
Topic: Free Cars for Life [POLL]
Replies: 77
Views: 4351

Re: HDHP X2 just to get the HSA contribution?

Currently, my wife and I have health insurance through her work. It is a comprehensive plan which covers our entire family (zero kids at the moment, but we are planning for kids in the very near future). Sounds like you've got some larger medical bills on the horizon and it might not be an optimal ...
by fulltilt
Wed Jun 05, 2013 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP X2 just to get the HSA contribution?
Replies: 19
Views: 1110

Re: Crash! Assets are sold and the money goes... where?

There are some really accessible explanations about the housing crash on Planet Money and Khan Academy. They are worth checking out.
by fulltilt
Mon Jun 03, 2013 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Crash! Assets are sold and the money goes... where?
Replies: 50
Views: 4603

Re: HDHP X2 just to get the HSA contribution?

if you have your own plan can you make yours secondary for you? is that possible. when you had your own single plan was yours primary for you. From what I've read, the person who is the primary insured (i.e. the employee for whichever plan) gets that plan used as primary for them, and the spouse's ...
by fulltilt
Mon Jun 03, 2013 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: HDHP X2 just to get the HSA contribution?
Replies: 19
Views: 1110
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