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by investor1
Sat May 16, 2015 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA
Replies: 7
Views: 922

Re: Vanguard Roth IRA

LS and TD funds are good advice. You didn't mention anything about your desired asset allocation. At your age, I assume you're willing to be risky. Buying the TSM fund would be a good easy to get started. You will get to Admiral shares next year.
by investor1
Sat May 16, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Home Prices Are Way Too High
Replies: 26
Views: 3657

Re: Home Prices Are Way Too High

In my area, renting is cheaper than owning even after the mortgage is paid off.
by investor1
Thu May 14, 2015 8:19 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 5028

Re: Why is Vanguard's Web Site So Bad?

They have made a number of very noticeable changes in the past couple of years, so the argument that they don't want to spend the money is invalid. They are spending money doing it. I'm guessing the issue described in the OP has been around for a very long time. Maybe they'll get around to it. It wo...
by investor1
Thu May 14, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Home Internet - Cat 5e or Cat 6
Replies: 49
Views: 3149

Re: Home Internet - Cat 5e or Cat 6

Put the router next to the TV. Plug any LAN cable you have into the TV, and connect the other end to the router. Use WiFi for everything else.
by investor1
Wed May 13, 2015 7:02 pm
Forum: Personal Consumer Issues
Topic: Looking for Cloud Storage Solution for Photo Back Ups
Replies: 20
Views: 1668

Re: Looking for Cloud Storage Solution for Photo Back Ups

I would just use iCloud if you have Apple products. I know Android automatically backs up any picture I take with my phone to Google Photos.
by investor1
Tue May 12, 2015 5:55 pm
Forum: Personal Consumer Issues
Topic: best alternate phone?
Replies: 15
Views: 1334

Re: best alternate phone?

Why don't you just buy a new cell phone when your goes missing or stops working? You can do it on the cheap on craigslist or ebay. Once you get it, pop in your SIM card, call your carrier and tell them to activate it, and sign in to your Google or Apple account so all of your contacts, music, apps, ...
by investor1
Tue May 12, 2015 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: 19 Year Old Vanguard ETF Allocation Advice
Replies: 9
Views: 480

Re: 19 Year Old Vanguard ETF Allocation Advice

You should dump all that money at once into a target date fund that matches your risk tolerance. This. If you don't like the contents of the TD funds available to you, read the wiki on lazy portfolios. The three fund portfolio is very popular around here for good reason IMHO. Use Admiral share mutu...
by investor1
Tue May 12, 2015 2:28 pm
Forum: Personal Consumer Issues
Topic: What to use to clean car
Replies: 45
Views: 3477

Re: What to use to clean car

For the leather in the interior, I usually just buy some automotive wipes. I usually get them from the dollar store. I have a dry vac that I use for the rest of the interior cleaning (as well as other things). For the outside, rain mostly (I live in the Pacific Northwest). Occasionally, I'll take it...
by investor1
Mon May 11, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: Bogle possible mistake? Discussion [on age-based portfolios]
Replies: 67
Views: 7010

Re: Bogle possible mistake? Discussion [on age-based portfolios]

It seems to me this notion of risk over time is somewhat like the Doppler effect. It depends on where the observer is. Sure, if you run a Monte-Carlo simulation, the dispersion of returns increases the further out you go. By that measure, "risk" increases the longer you invest. But, suppo...
by investor1
Mon May 11, 2015 11:03 am
Forum: Investing - Theory, News & General
Topic: Bogle possible mistake? Discussion [on age-based portfolios]
Replies: 67
Views: 7010

Re: Bogle possible mistake? Discussion [on age-based portfolios]

Age based asset allocations are not about making the best decision of timing the market. It is about one's need and willingness to take risk. As one ages, one's need to take risk tends to lower due to a career of contributions and compounding interest. As the portfolio's value reaches the level the ...
by investor1
Mon May 11, 2015 10:44 am
Forum: Personal Consumer Issues
Topic: How to educate myself about buying a house?
Replies: 11
Views: 1004

Re: How to educate myself about buying a house?

Oh, and not everything is listed publicly. Sometimes realtors don't make the listing public until they have an offer and are looking for counter offers. Decide the neighborhoods you want to live in, drive around those neighborhoods and look for For Sale signs. Between that and your realtor knowing t...
by investor1
Mon May 11, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: How to educate myself about buying a house?
Replies: 11
Views: 1004

Re: How to educate myself about buying a house?

Make sure you can afford the following in your monthly budget: 1. Principle (mortgage) 2. Interest (mortgage) 3. Taxes (property taxes) 4. Home owner's insurance 5. PMI (if applicable) 6. Utilities (electricity, gas, sewage, water, trash, tv, internet, phone, etc.) / HOA fees 7. Maintenance & Re...
by investor1
Mon May 11, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Lightweight camping gear
Replies: 41
Views: 2734

Re: Lightweight camping gear

Tent stakes (or could use bags depending on condition) You already mentioned you tend to do overnighters with an eye on the weather. In my experience, you don't need tent stakes (other than the ones for the rain fly). Put your pack in the tent, that and your weight is enough. You can even use rocks...
by investor1
Mon May 11, 2015 10:21 am
Forum: Forum Issues and Administration
Topic: Bogle Mobile Android not working
Replies: 3
Views: 250

Re: Bogle Mobile Android not working

Since the forum software was upgraded, this site is much more mobile friendly. I suggest uninstalling your third party app and simply bookmarking this site in your browser. It works great!
by investor1
Sun May 10, 2015 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Selling condo should I replace carpeting?
Replies: 15
Views: 1576

Re: Selling condo should I replace carpeting?

Leave and let the new owners replace it with whatever they want.
by investor1
Wed May 06, 2015 12:43 pm
Forum: Personal Consumer Issues
Topic: Save $$$ On Razor Blades
Replies: 29
Views: 3557

Re: Save $$$ On Razor Blades

I don't use alcohol, but I do run the blades over a coarse towel that I have in my bathroom. My blades last about 4-5 months.
by investor1
Wed May 06, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Credit union: "once a member, always a member"?
Replies: 22
Views: 1641

Re: Credit union: "once a member, always a member"?

If your CU is charging you fees, you need to find a new CU. Mine pays me every month to be a member rather than charging me.
by investor1
Thu Apr 30, 2015 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: How should I save for a house???
Replies: 17
Views: 1405

Re: How should I save for a house???

The way that I decided how much to save for a house was based on my attempt to understand the cost of ownership of a home. I think it was a valuable learning experience. Here is what I did: I estimated the monthly of cost the following items based on either figures that I was shooting for (mortgage ...
by investor1
Thu Apr 30, 2015 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: The Engineer's Guide to Investing
Replies: 32
Views: 3088

Re: The Engineer's Guide to Investing

I completely agree that any advice here would serve any career well. However, looking into "The Physician's Guide to Investing", there are a lot of nuggets that I find interesting, one of which is fairly anti-Boglehead. From somebody's summary of his book : (I included Physician-specific ...
by investor1
Thu Apr 30, 2015 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: The Engineer's Guide to Investing
Replies: 32
Views: 3088

Re: The Engineer's Guide to Investing

- Engineers sometimes derive a lot of income from company stock/ other windfalls and not large salaries, and in general are much more likely to be active traders than physicians I completely disagree that engineers are likely to be active traders. A major part of engineering is understanding what i...
by investor1
Thu Apr 30, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: The Engineer's Guide to Investing
Replies: 32
Views: 3088

Re: The Engineer's Guide to Investing

I don't think such a guide would differ from the guide for any individual. The things that makes MDs different are a) potential for gigantic student loans, b) late start to earnings and c) very large salaries. Engineers tend to make better money than the average person, but they aren't earning anes...
by investor1
Tue Apr 28, 2015 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Two 401k plans!
Replies: 12
Views: 946

Re: Two 401k plans!

Did you mean I was over the limit to contribute to both a 401k and a Roth IRA? i.e. I can still contribute to a 401k and a traditional IRA- right? You can most likely contribute to both a 401k and a TIRA but you may not be able to take a tax deduction for the TIRA contributions. Making it nearly me...
by investor1
Tue Apr 28, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Getting the stink out of running clothes
Replies: 34
Views: 2261

Re: Getting the stink out of running clothes

You can try the vinegar and Oxyclean approach if you like. The thing that makes clothes smell is bacteria. You'll need to kill it. Vinegar, Oxyclean, and heat might do it. I'm assuming you are referring to something like Underarmor or some other very tightly woven material. The problem is that bacte...
by investor1
Mon Apr 27, 2015 9:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Thank you for restoring access..."
Replies: 3
Views: 827

Re: Vanguard: "Thank you for restoring access..."

Stamps cost 38 cents now... I can honestly say I learned something today.
by investor1
Sun Apr 26, 2015 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contributions for a newbie
Replies: 7
Views: 555

Re: Roth IRA contributions for a newbie

I'm no expert on adding unreported income at tax filing time. I doubt it would be an issue though.

If you are only making $5k/year, you won't pay taxes as that amount is less than the standard deduction. That's a perfect time to get money into a Roth account.
by investor1
Sun Apr 26, 2015 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Two 401k plans!
Replies: 12
Views: 946

Re: Two 401k plans!

Another option is to talk to your employer about improving the 401k plan they offer. You likely won't get a quick turnaround, but if you plan on staying with them, it might be worth a shot.
by investor1
Sun Apr 26, 2015 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Two 401k plans!
Replies: 12
Views: 946

Re: Two 401k plans!

You're close- 0) Read the bogleheads wiki. then.. 1) Contribute enough to get your company's match. 2) Open an IRA with Vanguard (you can choose Roth or Traditional), and max it out if possible ($5500 is the yearly max). 3) Finally, max your somewhat crummy AF 401k. My company's 401k has mainly AF ...
by investor1
Sun Apr 26, 2015 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Two 401k plans!
Replies: 12
Views: 946

Re: Two 401k plans!

401ks are employer provided plans. How do you have access to two 401ks? Do you have two employers? Does the second 401k belong to a spouse? Are you self-employed?
by investor1
Wed Apr 01, 2015 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put money for house purchase 10 years out?
Replies: 9
Views: 1807

Re: Where to put money for house purchase 10 years out?

Confuscious wrote:How much are you wanting for a down payment?


If I can just flat out buy the house, I wouldn't complain.
by investor1
Wed Apr 01, 2015 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Newbie boglehead - 29yo portfolio review! thanks
Replies: 5
Views: 876

Re: Newbie boglehead - 29yo portfolio review! thanks

Your plan sounds pretty good. Since you'll have a taxable account in the mix, read the following wiki topics: Tax efficient fund placement, tax loss harvesting, and the foreign tax credit.
by investor1
Sun Mar 29, 2015 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 14484

Re: Smartest Financial Move You Ever Made

The smartest was probably becoming a Boglehead within the first five years of my career. Second place would be majoring in a solid discipline in college (engineering). I was able to pay off my student loans quickly and my salary has increased noticeable despite a pretty good starting salary (a lot o...
by investor1
Sun Mar 29, 2015 12:27 pm
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 9611

Re: My Strategy For A Market Crash

My strategy is to rebalance while I buy as much as I can.
by investor1
Sun Mar 29, 2015 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put money for house purchase 10 years out?
Replies: 9
Views: 1807

Re: Where to put money for house purchase 10 years out?

Thanks, I think I'll open a seperate taxable account and setup a two or three fund portfolio. When I move again, I'll either pull the money out or continue renting while I wait out a market dip. I don't mind doing that.
by investor1
Sat Mar 28, 2015 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put money for house purchase 10 years out?
Replies: 9
Views: 1807

Where to put money for house purchase 10 years out?

I'm considering a employment change that would have me moving to a new city. I can see myself living in this city for a decade or so if the employment arrangement works out, but I don't think I want to live their for the rest of my life. If I make the change, I think I'll rent while I'm there. I hav...
by investor1
Tue Mar 17, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting my job, and going to school. What to do with my $?
Replies: 18
Views: 1612

Re: Quitting my job, and going to school. What to do with my

What are the ERs on the funds in the 401k and IRA? Maybe it'll make sense to roll one into the other.
by investor1
Sun Mar 15, 2015 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays - Personal Banking?
Replies: 3
Views: 385

Re: Barclays - Personal Banking?

Cool, thanks for the feedback. It'd be great to know if the accounts have their own account number as that helps when setting up automatic transfers. Two factor authentication is when they send you an email or text message with a code whenever you attempt to login using your user ID and password. Yo...
by investor1
Sun Mar 15, 2015 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays - Personal Banking?
Replies: 3
Views: 385

Barclays - Personal Banking?

My current bank that holds much of my savings recently lowered their rates, so I'm considering switching. I've noticed Barclays is currently offering 1.00% for their savings accounts and their 5 year CDs are 2.25%. Both of which are amongest the highest rates available today. One of the things that ...
by investor1
Sun Mar 15, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Advice needed (work/bonus/career advice)
Replies: 39
Views: 2064

Re: Advice needed (work/bonus/career advice)

Stop pinching pennies. You're unhappy and under paid. You have other offers for more money, and it doesn't sound like they can be any worse. This is a no brainer, go. Go now. Kiss the bonus goodbye. You don't need it anyway. You'll be making a higher base salary at the new company along with commiss...
by investor1
Sat Mar 14, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: Portland transportation
Replies: 20
Views: 2008

Re: Portland transportation

There are a couple of light rails: the MAX and the Portland Street Car. The MAX is the big one. It is run by Trimet (trimet.org) and goes to/from the airport. You'll be able to take that downtown when you arrive. A day pass is around $5 IIRC. You can buy a ticket at any station/stop or using their m...
by investor1
Sun Mar 08, 2015 12:41 am
Forum: Personal Consumer Issues
Topic: Home buying costs?
Replies: 2
Views: 473

Home buying costs?

I'm considering putting in an offer on a house. This would be my first time purchasing a home. I'm wondering what the costs assiocated with the purchase would be (roughly). I'm not talking about ongoing costs, but the one time purchase costs. I live in Oregon where is a typical for the seller to pay...
by investor1
Thu Mar 05, 2015 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Break room conversation about investing and Oil
Replies: 9
Views: 751

Re: Break room conversation about investing and Oil

Some people have to learn the hard way.
by investor1
Wed Mar 04, 2015 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Higher Downpayment a Good Idea?
Replies: 33
Views: 3343

Re: Higher Downpayment a Good Idea?

After factoring in the cost of ownership, such as taxes, insurance, increased utilities and maintenance/repair costs, sales costs, mortgage costs, I think houses are usually an inefficient investment.

Buy the house you want to live in.
by investor1
Tue Mar 03, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA and Roth 401k
Replies: 8
Views: 789

Re: Roth IRA and Roth 401k

Which tax bracket do you expect to be in during retirement? If it is higher than the one you are in now, pay the tax bill now. Otherwise, defer taxes.
by investor1
Tue Mar 03, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: SIGN PETITION for Jack Bogle's Presidential Medal of Freedon
Replies: 55
Views: 4910

Re: WHY YOU OWE YOUR FREEDOM TO JACK BOGLE

I agree that Mr. Bogle's contributions to the investment world should be recognized. However, I find the article a little insulting as having more money is not how I would define freedom. Do I owe him my Financial "freedom"? Absolutely. Saying I owe him my freedom and the connotation that...
by investor1
Mon Mar 02, 2015 7:25 pm
Forum: Personal Consumer Issues
Topic: Contacted by Internal Revenue Services [Scam]
Replies: 18
Views: 1428

Re: Contacted by Internal Revenue Services

I think it would be best to wait for them to finish automating the message ;)
by investor1
Mon Mar 02, 2015 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Talking Salary Tomorrow - HELP!
Replies: 17
Views: 2757

Re: Talking Salary Tomorrow - HELP!

In a way, I want to say "is my only other choice to bring you an offer letter from another company" but I don't want to come across as a threat. Do not say this. Don't even hint at this. Presenting why you deserve more is plenty of hint to an employer. Don't do anything in excess. That do...
by investor1
Mon Mar 02, 2015 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Talking Salary Tomorrow - HELP!
Replies: 17
Views: 2757

Re: Talking Salary Tomorrow - HELP!

Not to knock you, but it is very likely they gave you the largest accounts because they already have solid relationships with those customers. They trust you to maintain that, but they want their more experienced employees working on acquiring new accounts as this is what grows revenue and, along w...
by investor1
Mon Mar 02, 2015 6:20 pm
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 6107

Re: Can I afford it?

You didn't really give enough info to say for sure. Are you max'ing out two 401ks and two IRAs? What are you annual expenses? Anyway, combined you are high income. Your current retirement asset value seems acceptable to me given your age (but again, I don't know your expenses). Your savings rate see...
by investor1
Mon Mar 02, 2015 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Talking Salary Tomorrow - HELP!
Replies: 17
Views: 2757

Re: Talking Salary Tomorrow - HELP!

I'd focus more on the salary range. You're young and haven't been there long. Young people come in with a relatively low salary that increases with solid annual raises (3-5% above inflation). Promotions come by producing results and taking on more responsibility (which it sounds like you are all for...
by investor1
Mon Mar 02, 2015 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Dad Passed, Help Mom: Next Steps?
Replies: 29
Views: 2929

Re: Dad Passed, Help Mom: Next Steps?

Would a rent to own approach help at all?

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