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Re: Young investor wanting some insight

You're doing well. Double check your 401(k) and make sure there isn't a roughly equivalent option that is cheaper. I've seen a lot worse than 0.56, but keep in mind life strategy funds are the same as target date funds until the TD fund begin the glide path which is usually 30 years out. You could a...
by investor1
Thu Jul 24, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young investor wanting some insight
Replies: 4
Views: 366

Re: 2 days in Portland, suggestions?

It's times like these when I wish we had a Bogleheads gang sign that we could throw up and see if anyone responds... Enjoy the festival!
by investor1
Tue Jul 22, 2014 7:29 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 34
Views: 1349

Re: 2 days in Portland, suggestions?

Eastwest wrote:Food: Por Que No

+1
by investor1
Tue Jul 22, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 34
Views: 1349

Re: 2 days in Portland, suggestions?

If you are coming this weekend, the biggest beer festival of the year is Wednesday through Sunday: http://www.oregonbrewfest.com/ There are some good food cart plots within walking distance of there, mainly Washington & 9th. Checkout http://www.foodcartsportland.com/ Tilt makes freakin' deliciou...
by investor1
Tue Jul 22, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 34
Views: 1349

Re: Buy a condo for college?

As a student, dorm life is far preferable for the first year or two. This bears mentioning, since a few posters have said the same thing--at the college we are looking at, freshmen dorm rooms are 2 people in a 13x13 room, and they share a bathroom with 2 other people in an identical room. Condos al...
by investor1
Sun Jul 20, 2014 12:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2502

Re: Buy a condo for college?

They may plan to go there, but they may also change their minds. If you buy a house for college students, you need to be prepared for them being irresponsible. Expect damage to happen. I know kids that were very well behaved in HS and went to engineering schools that partied non-stop once they got a...
by investor1
Sun Jul 20, 2014 12:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2502

Re: Hospital bill negotiation

Lastly, if the hospital charges you fees different from what they charge the insurance company (per the contract), then insurance fraud is committed and you risk losing your coverage. Has anyone ever lost their coverage or experienced any other repercussions for "insurance fraud" in such ...
by investor1
Wed Jul 16, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4225

Re: Hospital bill negotiation

1. Get itemized bills, and understand each line. If you see an error, point that out. They will likely take time to review it and try to justify it. Talk to the people that make the decisions, and argue your case. 2. Use something like http://fairhealthconsumer.org/ to see if the hospital is chargin...
by investor1
Wed Jul 16, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4225

Re: Hospital bill negotiation

Lastly, if the hospital charges you fees different from what they charge the insurance company (per the contract), then insurance fraud is committed and you risk losing your coverage. Has anyone ever lost their coverage or experienced any other repercussions for "insurance fraud" in such ...
by investor1
Tue Jul 15, 2014 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4225

Re: Will you change your AA based on market performance?

No, I won't change my desired AA. Yes, I will change my real AA when I rebalance back to my desired AA. That's how it works. Buy low, sell high :)
by investor1
Mon Jul 14, 2014 1:44 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4154

Re: What after-tax income could you live on today?

My YTY spending tends to be in the $25k-$30k range. I'm a single guy in my 30's with no kids and no debt.
by investor1
Mon Jul 14, 2014 1:22 am
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5047

Re: Urban garden bed--ideas to deter dog owners

Communicate clearly. Put up a sign that says no dogs. It isn't really reasonable to expect everyone to realize you don't want dogs in there if you didn't say that. Don't put up a sign that says something that isn't true. People aren't dumb and might retaliate if you treat them like they are. It's in...
by investor1
Sat Jul 05, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 3955

Re: Neighbor's Fireworks

I'm confused. Did he damage the roof? If there is damage maybe go talk to him about it, but it doesn't seem like it was even close to malicious, so be nice. If there is no damage, go clean the debris off of the roof and look forward to next year's show :) Congratulations on not having a lame neighbor!
by investor1
Sat Jul 05, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4452

Re: The Millionaire Next Door: Are You One?

No, I'm not a millionaire. I also don't live next door. My neighbors do.
Yes, I do live below my means.
No, I don't generally do anything to attempt to keep up with the Jones or the Smiths or the Rodriguezs, etc.
by investor1
Mon Jun 30, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22441

Re: How do you afford to travel?

I'm a 30 yr old single guy, and I use my bonus to fund my vacations. * I'm flexible as to when and where I travel, so I look for good deals. I check the Hipmunk page for my home city to see where the cheap flights go to, and also use websites such as the ITA matrix. * I took the time to learn the ai...
by investor1
Thu Jun 26, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6210

Re: How much car can I afford while paying cash? Details ins

OnFire wrote:A headlight got filled with condensation. It cost $900, plus installation and was covered.

What? If it was covered, it cost $0. Did you take it to the dealer? Every car is expensive if you take it to the dealer.
by investor1
Fri Jun 20, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: How much car can I afford while paying cash? Details inside.
Replies: 62
Views: 3938

Re: How much car can I afford while paying cash? Details ins

I own a 328i that is out of warranty. My first thought is on buying a one year old BMW. They come with a five year zero pay warranty. You'd have four years left. I have experienced the (st)ealers being dishonest about actually doing repairs, so be careful with that. That being said, don't hesitate t...
by investor1
Fri Jun 20, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: How much car can I afford while paying cash? Details inside.
Replies: 62
Views: 3938

Where to put my house fund?

I have been saving for a down payment on a house for a few years and have about $50k put aside. I currently rent with a roommate and have a comfortable, stable home at a very low cost. Lately, I have been thinking about delaying the purchase of a home. I don't really view a house as an investment. I...
by investor1
Thu Jun 19, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put my house fund?
Replies: 3
Views: 452

Re: Saving/Investing for a home

If the money is specifically for a house, you shouldn't take on very much risk investing it. You could invest very conservatively if you are not going to need it for ten years, but you probably won't end up with a noticeable amount more than a 3.125% return. Why not just pay off the current house ea...
by investor1
Thu Jun 19, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving/Investing for a home
Replies: 6
Views: 639

Re: Bernstein: A Decade of Super-Low Returns

InvestorNewb wrote:Wasn't he recommending to stay out of REITs last year? They are up >16% YTD.

Regardless of how much they are "up", they are still very opaque. The way the crash went down shows why that's a real problem.
by investor1
Mon Jun 09, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17199

Re: How To Encourage A Young (Sensitive) Child In Sports

It depends on the sport, but yeah many martial arts (particularly ones kids go into), include both individual results and team points at competition time. That's why Iowa or Penn State win the NCAA wrestling tournament nearly every year. Their guys do very well individually, so their team gets more ...
by investor1
Mon Jun 09, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5467

Re: How To Encourage A Young (Sensitive) Child In Sports

Having him try individual sports is not the same as him playing a team sport outside of an organized league. Using the martial arts example from earlier, he would be going to a class with other kids on a regular basis and learning with them. He would also be going to competitions with those same kid...
by investor1
Mon Jun 09, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5467

Re: How To Encourage A Young (Sensitive) Child In Sports

My first though was maybe the kid just doesn't like to criticized by his Dad. If that's the case, he might snap out of it after a while of you not coaching (I understand you didn't ask for the position). If he isn't digging team sports, try individual sports. Try individual sports that you don't rea...
by investor1
Mon Jun 09, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5467

Re: The 2 comma paradox

If you can't handle the swings, adjust your asset allocation. Otherwise, let the discipline take over and stay the course.
by investor1
Sat Jun 07, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14358

Re: Two Comma Club!

I think you are an outlier which means lucky you!

I'm not afraid of hard work and grinding it out, but I welcome luck at all times :) Congratulations on your progress! It is always good to hear a success story.
by investor1
Tue Jun 03, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 5683

Re: Teaching Personal Finance next year... what to include?

Since they are so young, I think you should focus on teaching them how to know where their money is going, understand why they should save, and how they can get started. Basically, I think you should teach them how to control their cashflow and setup an emergency fund. From there they can start inve...
by investor1
Tue Jun 03, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teaching Personal Finance next year... what to include?
Replies: 51
Views: 2415

Re: Should I stop investing in my Vanguard IRA?

69chevy wrote:The old contributions from the 401K before being rolled over was Pre-tax. The contributions now to the rollover IRA are post tax, money that I send in at the end of each month.

Are they deductible?
by investor1
Tue Jun 03, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I stop investing in my Vanguard IRA?
Replies: 20
Views: 2270

Re: Should I stop investing in my Vanguard IRA?

I believe a rollover IRA is different when contributing. Here's a quote from Schwab Can I make contributions to my Rollover IRA once it is open? Yes, but if you do, you may not be able to roll the IRA into a new employer-sponsored retirement plan. Different plans determine which assets, if any, wil...
by investor1
Tue Jun 03, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I stop investing in my Vanguard IRA?
Replies: 20
Views: 2270

Re: Should I stop investing in my Vanguard IRA?

Oh, maybe I should have plugged our own wiki rather than an external site :)

http://www.bogleheads.org/wiki/Traditio ... and_Limits
by investor1
Tue Jun 03, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I stop investing in my Vanguard IRA?
Replies: 20
Views: 2270

Re: Should I stop investing in my Vanguard IRA?

Don't contribute to a Rollover IRA. They are designed for you to roll over 401ks into them. I think you can roll out of them back into a 401k as well. A rollover IRA is no different than any other IRA. It is just an IRA that you used to rollover assets from another account. You are correct that the...
by investor1
Tue Jun 03, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I stop investing in my Vanguard IRA?
Replies: 20
Views: 2270

Re: does frugality result in lower career ambition?

I don't know if I would say that I am frugal, but I certainly spend very little of my salary which isn't as big as many of the people I see posting on this board. I don't really buy that many things, but the things I do really want tend to be a bit expensive (vacations, etc.). I've minimized many of...
by investor1
Mon Jun 02, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8391

Re: You know you're a Boglehead when ...

will34 wrote:You spend more time thinking about how to manage other people's investments than you spend managing your own investments.


LOL, I think you hit the nail on the head!
by investor1
Fri May 30, 2014 10:13 am
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 15842

Re: Will you obtain same result if you use a Life Strategy F

I thought LS funds use the same ERs as Investor shares. Wouldn't they be beat by individual Admiral funds?
by investor1
Thu May 29, 2014 10:43 pm
 
Forum: Investing - Theory, News & General
Topic: Will you obtain same result if you use a Life Strategy Fund
Replies: 28
Views: 3384

Re: Should I buy a house?

Double check your math, since you are 30 a house with a 30 year mortgage would also be paid off by the time you are 60. :oops: There are lots of factors that that go into the choice of a 15 or 30 year mortgage but one thing to look at is if you will be able to max out all your retirement, HSA, or a...
by investor1
Wed May 28, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house?
Replies: 11
Views: 878

Re: Should I buy a house?

A 215K house isn't going to cost you $2600 a month, especially with a 20% down payment. Right now a 300K house with a 20% down payment is about $1504 including *average* taxes (might be lower or might be higher depending on where you live). I added 0.5% to today's mortgage rates. With that and insu...
by investor1
Wed May 28, 2014 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house?
Replies: 11
Views: 878

Should I buy a house?

I'm a 30 year old single engineer with no debt and no dependents. I have been renting a room in a condo since I graduated from college about seven years ago (I've moved around a bit, but always had a similar situation). It keeps my current housing expenses low and is comfortable, but doesn't provide...
by investor1
Wed May 28, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house?
Replies: 11
Views: 878

Re: Best Large Purchase(s) Ever?

An engineering degree and vacations!
by investor1
Tue May 27, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Best Large Purchase(s) Ever?
Replies: 45
Views: 3217

Re: Business Directed Retirement Account With No 401k Match?

The Roth vs traditional split is up to you. You seem to understand that the same pre-tax amount will yield the same net payment to you in retirement if it is in the same investment over the same period regardless of whether it was put into a traditional or Roth account. The assumed taxes rates and i...
by investor1
Tue May 27, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Business Directed Retirement Account With No 401k Match?
Replies: 5
Views: 345

Re: Austin, TX Things To Do?

Stubb's BBQ was good the last time I was in Austin.
by investor1
Tue May 27, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Austin, TX Things To Do?
Replies: 8
Views: 743

Re: True cost of college

Paying more for a name - especially if that name isn't Harvard or MIT - is probably strongly loss making at the margin. Sometimes that name is associated with a strong alumni network. It doesn't have to be Harvard or MIT for that to be the case. There are a number of schools throughout the US that ...
by investor1
Tue May 27, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: True cost of college
Replies: 11
Views: 1427

Re: Please tell me how I am doing. Stopped Roth IRA contribu

I think the expenses in both the 403b and 401k are high. General advice says to contribute enough to get the match in each fund, then contribute to a Roth IRA. Once the IRAs fill up, go back to the 403b and/or 401k.
by investor1
Mon May 26, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please tell me how I am doing. Stopped Roth IRA contributing
Replies: 13
Views: 2171

Re: Inside Grilling

Use a cast iron skillet that has ridges and cook under the broiler in your oven.
by investor1
Mon May 26, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Inside Grilling
Replies: 40
Views: 3082

Re: 64 YROld Romance Rekindles:Upsets Daughters

It sounds like Sam and Susan are happy together. Unless your friend has reason to believe Susan is attempting to rip Sam off rather than attempting a legitimate relationship with him, your friend should be happy that her father is happy. Given that your friend has control over Sam's finances, I thin...
by investor1
Sun May 25, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: 64 YROld Romance Rekindles:Upsets Daughters
Replies: 19
Views: 1749

Re: Real Estate Advice

$94k in a high class area raises a red flag. What's wrong with it?
by investor1
Sun May 25, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice
Replies: 26
Views: 2549

Re: How does this approach sound?

Why not just come up with an AA you are comfortable with and stick with it? Even if you want to make daily moves, it seems simply rebalancing back to your AA would accomplish the buy low / sell high (aka make money) approach. Personally, I'd rather go outside than track the market on a daily basis. ...
by investor1
Sat May 24, 2014 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: How does this approach sound?
Replies: 6
Views: 671

Re: What should I do about the house?

Forget about it. Let your parents do whatever they want with their house. You should focus on building an emergency fund and getting out of debt.
by investor1
Sat May 24, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: What should I do about the house?
Replies: 6
Views: 857

Re: Worst "Large purchase" ever?

I guess I only have two purchases over $10k; college and a car. I have an engineering degree that has been very useful for me, so I guess that means the car was the worse purchase between the two. I splurged a bit on a BMW, but it is a fun car to drive and I haven't had many issues with it. Overall,...
by investor1
Sat May 24, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 11634

Re: GoPro IPO

They should stick to high quality and they may be the Kodak of the new era of video content. I guess depending on one's age that could be viewed as either an endorsement or a warning :D Haha, I had to re-read that post. At first was thinking, RED FLAG!!!! Then I was like, "Oh, he's saying that...
by investor1
Fri May 23, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: GoPro IPO
Replies: 29
Views: 2660

Re: Roth maxed and no 401K available- where to invest?

What kind of health insurance do you have? If you have a HDHP, you can invest through an HSA. Since you are young, your income is probably low relative to what you will earn later in your career. If that is the case, your tax rate will likely increase as you age. I know people are pointing out a ded...
by investor1
Fri May 23, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth maxed and no 401K available- where to invest?
Replies: 13
Views: 608
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