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Re: Planning to purchase first home - need education

Thank you all - this has been most helpful. I'll probably circle back to this thread with questions. But for now have some studying to do in this area :)
by rex
Sun Jul 13, 2014 4:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase first home - need education
Replies: 11
Views: 1375

Re: Planning to purchase first home - need education

Thank you all for the advise - very helpful.

Can someone elaborate on how to get the best mortgage rates / how to shop around for mortgage ? I noticed that some CUs have different rates tied with different closing costs . Any thoughts on that ?
by rex
Sat Jul 12, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase first home - need education
Replies: 11
Views: 1375

Planning to purchase first home - need education

Hi Folks, We're thinking about purchasing a home in the next year or so and was wondering if someone can point the various facets on which we need to educate ourselves , with pointers to some resources if possible. We have never purchased any real estate / property before and would probably need to ...
by rex
Fri Jul 11, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase first home - need education
Replies: 11
Views: 1375

Re: Taxable vs 401k for house down payment ?

All good points - I really need to re-think my strategy here. thanks for sharing your thoughts guys.

I guess what really bothers me in maxing out 401k is that its a lot of money that's inaccessible for another 29 years....
by rex
Mon May 05, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable vs 401k for house down payment ?
Replies: 5
Views: 659

Taxable vs 401k for house down payment ?

Hi fellow Bogleheads, Need some advice here. DW and I are contemplating a home purchase 3-4 years down the road. We have 10% of the downpayment in cash and for saving the other 10% downpayment we were considering the following options: 1. Invest in a taxable account the $1000/month 2. Invest in a Ro...
by rex
Sun May 04, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable vs 401k for house down payment ?
Replies: 5
Views: 659

Re: Is this ring worth the price ?

Thanks for sharing your thoughts folks. No I'm not looking at this as an investment and the reason i thought of this is that my wife likes pandas - she actually liked the 1oz gold panda. But i was just trying to give her something she can actually wear - a gold panda coin is pretty useless from that...
by rex
Sun Dec 01, 2013 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Is this ring worth the price ?
Replies: 6
Views: 962

Is this ring worth the price ?

Hi folks, I'm thinking of buying something nice for my wife and came across this ring - is it worth it ? http://www.apmex.com/product/65593/2013-1-20-oz-gold-panda-ring-rope-prong Is there a better place to buy 18K+ gold jewelry without too much markup over the spot price ? I come from a country whe...
by rex
Sun Dec 01, 2013 4:27 am
 
Forum: Personal Consumer Issues
Topic: Is this ring worth the price ?
Replies: 6
Views: 962

Re: Software engineering jobs not paying that much?

Coming from someone who has been in this line of work for about 7 years, I can say that it really depends. There is a broad range of salaries depending on your job function, location and company size. When I graduated back in 2006, my classmates got "software jobs" with starting salary ran...
by rex
Thu Oct 17, 2013 1:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Software engineering jobs not paying that much?
Replies: 25
Views: 3186

Re: mind machine anyone ?

Thanks guys !

I've already tried pitch black curtains and a rain machine - both helped quite a bit. Was looking for another device to boost my sleep ..
by rex
Sat Oct 05, 2013 5:39 pm
 
Forum: Personal Consumer Issues
Topic: mind machine anyone ?
Replies: 7
Views: 583

Re: timex ironman wriststrap

Thanks guys. Any recommendation on where to buy an inexpensive strap - the ones on amazon are selling for $12...
by rex
Sat Oct 05, 2013 4:11 pm
 
Forum: Personal Consumer Issues
Topic: timex ironman wriststrap
Replies: 10
Views: 574

timex ironman wriststrap

Hi folks, So I purchased this Timex ironman watch for $31 two years back and the Velcro strap just gave away. At this point I'm wondering if I should replace the strap for $12 or buy a new watch for $31. The two specific things I'm wondering is : 1. The strap costs about 38% of the cost of a new wat...
by rex
Sat Oct 05, 2013 2:45 pm
 
Forum: Personal Consumer Issues
Topic: timex ironman wriststrap
Replies: 10
Views: 574

mind machine anyone ?

Hi folks, I was contemplating purchasing a mind machine as a way to combat insomnia and get off some sleep meds. The one I'm considering is : http://www.amazon.com/Mindplace-Procyon-System-Meditation-Machine/dp/B000X2BSJM/ref=cm_cr_pr_pb_t Its quite expensive (for me) and so trying to do my research...
by rex
Sat Oct 05, 2013 2:31 pm
 
Forum: Personal Consumer Issues
Topic: mind machine anyone ?
Replies: 7
Views: 583

Re: Why are you a boglehead ???

folks, my apologies if you guys found the poll confusing. But nevertheless, thanks to all who shared their valuable experiences. A few clarifications: --> I was trying to find out if growing up poor taught you to be cautious with money as much as the other way around - if you grew up in a upper midd...
by rex
Sun Apr 21, 2013 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Why are you a boglehead ???
Replies: 60
Views: 3693

Why are you a boglehead ???

I was recently talking to a gentleman who does consulting work in organizational behavior and he mentioned that often our experiences while growing up shapes our perspectives - which i believe is true. Just curious to see if any of us became bogleheads to get a security blanket that they never had w...
by rex
Sun Apr 21, 2013 2:36 am
 
Forum: Investing - Theory, News & General
Topic: Why are you a boglehead ???
Replies: 60
Views: 3693

Re: VWITX(Intermediate term muni) vs I-Bonds

thanks folks for the guidance and the link to the savings bond calculator - this is exactly what i was looking for.
by rex
Sun Apr 21, 2013 2:22 am
 
Forum: Investing - Help with Personal Investments
Topic: VWITX(Intermediate term muni) vs I-Bonds
Replies: 8
Views: 1463

VWITX(Intermediate term muni) vs I-Bonds

I know this is probably not an apples to apples comparison but just curious if anyone has already done the math. If i invested 10k in VWITX 10 years back - would it have given me a better return than i-bonds for the same period of time ?

thanks,
Rex.
by rex
Sat Apr 20, 2013 2:44 am
 
Forum: Investing - Help with Personal Investments
Topic: VWITX(Intermediate term muni) vs I-Bonds
Replies: 8
Views: 1463

Re: Best place to buy a treadmill

Thanks for all the pointers folks - much appreciated. Yes , the whole situation changes when you're on parental duty -its very difficult to stick to your routine when everything revolves around the baby. It seems like I'll be going with amazon and shelling out something like 1k for a decent piece of...
by rex
Sun Apr 14, 2013 4:42 am
 
Forum: Personal Consumer Issues
Topic: Best place to buy a treadmill
Replies: 31
Views: 3153

Best place to buy a treadmill

Hi Folks, I never purchased any exercise equipment before - usually worked out at the gym - that is no longer possible because we just had a baby. So looking to buy a treadmill at home. Does anyone have suggestions on : 1. What price range i should be looking at to get a decent machine that does not...
by rex
Sat Apr 13, 2013 4:00 am
 
Forum: Personal Consumer Issues
Topic: Best place to buy a treadmill
Replies: 31
Views: 3153

Re: Need to buy some bonds

do you have any other TIPS in your portfolio? if not, i think I Bonds are a good choice. see also http://www.bogleheads.org/wiki/I_Bonds_vs_TIPS. EDIT: they're a reasonable option regardless, but i think they're especially worthwhile if you don't have other inflation protection in your portfolio. h...
by rex
Tue Apr 02, 2013 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need to buy some bonds
Replies: 3
Views: 598

Need to buy some bonds

Hi Folks, I have spare 6K coming in tomorrow and wanted to use this to fix my AA a little - right now it's tilted more towards stocks. So here is the dilemma - I usually invested in the following bond funds in my Roth ( TGEIX and VIPSX) and VWITX in taxable( Intermediate term muni). Given the low in...
by rex
Mon Apr 01, 2013 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need to buy some bonds
Replies: 3
Views: 598

Shakespearean take on diversification

I was dazed this weekend after being heads down on design work for the whole of last week - so decided to read some old plays. I pulled out of of my favorites - "Merchant of Venice" - and as i was reading through , one of the opening paragraphs really struct me - the last time i read this ...
by rex
Mon Feb 11, 2013 6:12 am
 
Forum: Investing - Theory, News & General
Topic: Shakespearean take on diversification
Replies: 47
Views: 3075

Re: Cholesterol measuring machine at home ?

Google "home cholesterol test" returns several shopping results for home kits around $50-100 that seem to be geared much like diabetic test kits for regular home testing. Not sure about accuracy but clearly there are products out there. Yup - i did that and looked on amazon as well - but ...
by rex
Sat Jan 05, 2013 4:48 am
 
Forum: Personal Consumer Issues
Topic: Cholesterol measuring machine at home ?
Replies: 7
Views: 745

Cholesterol measuring machine at home ?

I'm starting a new exercise and diet regimen and would like to measure my progress in lowering cholesterol every other week. Needless to say, getting a blood test twice a month is expensive. I was wondering if anyone has any recommendation for a good in-home cholesterol measuring machine ? Thanks, R...
by rex
Sat Jan 05, 2013 3:09 am
 
Forum: Personal Consumer Issues
Topic: Cholesterol measuring machine at home ?
Replies: 7
Views: 745

Re: TLH fund/ etf pairs

IEMG is a lot better than EEM VONE is another large cap option that is slightly broader. And the Schwab ETFs are another low cost alternative VEA -> SCHF VWO -> SCHE I don't think there's a good option for VGK, but I'm not sure why you're holding that unless you are trying to market time. Thanks ! ...
by rex
Fri Jan 04, 2013 6:15 am
 
Forum: Investing - Theory, News & General
Topic: TLH fund/ etf pairs
Replies: 2
Views: 215

TLH fund/ etf pairs

After quite a bit of deliberation, I've come to the conclusion that dollar cost averaging by letting available money sit in a money market account is not what I want - and would go for the lump sum approach when extra money is available. If the fund/etf I buy falls in price by more than 10%, i'll sw...
by rex
Fri Jan 04, 2013 5:30 am
 
Forum: Investing - Theory, News & General
Topic: TLH fund/ etf pairs
Replies: 2
Views: 215

Re: Best place to get contact lenses ?

livesoft wrote:My family buys contact lenses online: lensdiscounters.com


Nice!!! thanks a lot.
by rex
Mon Dec 31, 2012 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Best place to get contact lenses ?
Replies: 13
Views: 1416

Best place to get contact lenses ?

Hi folks,

My wife uses the acuvue for astigmatism contact lenses and we've been getting them from the local pharmacy for $37/box. Just wondering if someone sells the same brand for less (it'll also be nice if they have the ability to bill our insurance directly) ?

thanks,
Rex.
by rex
Mon Dec 31, 2012 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Best place to get contact lenses ?
Replies: 13
Views: 1416

Re: Probably the wrong question for this crowd....

Joe S. wrote:
I think you need to read up on all the "great" funds that did well for a while and then underperformed. Then don't invest in a "great" fund.


Thanks for the article Joe - food for some serious thought ! i'll prob end up putting the money in VEU ....
by rex
Wed Dec 19, 2012 6:52 am
 
Forum: Investing - Theory, News & General
Topic: Probably the wrong question for this crowd....
Replies: 21
Views: 3252

Re: Probably the wrong question for this crowd....

Probably the wrong question for this crowd.... I think you should ask questions like this, so we can tell you why we won't invest in this fund. It has had a great 5-year return, but research has shown that mutual funds that have had a great 5 or 10 year return usually end up underperforming the S&a...
by rex
Wed Dec 19, 2012 6:11 am
 
Forum: Investing - Theory, News & General
Topic: Probably the wrong question for this crowd....
Replies: 21
Views: 3252

Re: Probably the wrong question for this crowd....

i think the fact that it has 73% in cash is intriguing - maybe just set up to exploit the swings in the market (just playing devil's advocate here). The other thing that caught my attention is that it dropped just 9.96% in 2008 while most mutual funds including a S&P index dropped 37%.
by rex
Wed Dec 19, 2012 6:08 am
 
Forum: Investing - Theory, News & General
Topic: Probably the wrong question for this crowd....
Replies: 21
Views: 3252

Probably the wrong question for this crowd....

but ...is anyone here investing in this Oceanstone (OSFDX) fund ( http://investing.money.msn.com/investments/mutual-fund-rates/?symbol=US%3aOSFDX&ocid=en-us_bingiaquotebtn ). I currently have no allocation in any actively managed fund - but to be honest, this one caught my eye. Thinking about us...
by rex
Wed Dec 19, 2012 4:41 am
 
Forum: Investing - Theory, News & General
Topic: Probably the wrong question for this crowd....
Replies: 21
Views: 3252

Free monthly credit report viewing ?

Hi Folks,

I'm currently paying $7.99 every month to have Experian (http://www.freecreditreport.com/) monitor my credit . Are there any cheaper alternatives to this ? Like any credit card that gives me my score/report every month ?

Thanks,
Rex.
by rex
Sat Dec 15, 2012 6:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Free monthly credit report viewing ?
Replies: 10
Views: 1754

Does wells fargo charge ACH debit fees ?

Hi Folks, I want to transfer some money from wells fargo checkin to my vanguard account. From what i understand, the money for buying mutual funds is debited from my other bank acount as an ACH debit. Will i have to pay any fees to wells fargo for this kind of transaction ? Thanks, Rex P.S. Wells fa...
by rex
Sun Dec 09, 2012 6:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Does wells fargo charge ACH debit fees ?
Replies: 6
Views: 1109

Re: Traditional 401k avoids SS and medicare tax ?

Look again. The current* SS tax rate is 4.2% (total 5.65%), not 6.2% (7.65%). * Current end of current is 12/31/2012 True :) i was trying to decide for 2013 ... actually realized this won't help in my case my last 17.5k is outside the Social Security wage base. a roth probably provides better retur...
by rex
Fri Dec 07, 2012 5:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Traditional 401k avoids SS and medicare tax ?
Replies: 8
Views: 1632

Traditional 401k avoids SS and medicare tax ?

Hi folks, I was looking at my payslip and it seems like the traditional 401k is deducted before SS and medicare taxes . Since in retirement, i'll not be on payroll, regular 401k seems to have a definite return of 7.65% because i won't be paying SS + Medicare taxes in retirement... right ? the contex...
by rex
Fri Dec 07, 2012 3:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Traditional 401k avoids SS and medicare tax ?
Replies: 8
Views: 1632

Re: What's the max liability claim you've faced ?

Thansk Op - I've changed the title of the post
by rex
Sun Dec 02, 2012 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the max liability claim you've faced ?
Replies: 7
Views: 782

Re: What's the max auto liability claim you've faced ?

yes absolutely - please DONOT restrict your liability claims to just auto as Op mentioned.
by rex
Sun Dec 02, 2012 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the max liability claim you've faced ?
Replies: 7
Views: 782

Re: Nest Egg number question

Good way of estimating - i did something similar myself. The only thing I'd suggest is to account for inflation (2%?) using excel or something similar.
by rex
Sun Dec 02, 2012 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Nest Egg number question
Replies: 21
Views: 1945

What's the max liability claim you've faced ?

Thanks to all who contributed to a related post regarding the typical umbrella boggleheads carry: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=106274 This is a followup post to get some more perspective on the issue - what is the biggest auto liability claim (or other liability claim) you...
by rex
Sun Dec 02, 2012 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: What's the max liability claim you've faced ?
Replies: 7
Views: 782

Umbrella insurance - boglehead way

I'm still wondering about how much insurance is enough and thought a nice way would be to collect some stats on what type of coverage bogleheads carry. Please provide some perspective into the amount you carry vis-a-vis your net worth.
by rex
Sat Dec 01, 2012 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - boglehead way
Replies: 26
Views: 2809

Re: Max out Roth in Jan or dollar cost average

thanks for the thoughts and insights guys. The money is just sitting in a savings account - i plan to invest 5500 in a bond fund and 5500 in a stock fund. I did not contribute lumpsum this year because i did not have ready cash - but i think i'd have liked the results if i did. Seems like i'll be pu...
by rex
Sat Dec 01, 2012 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max out Roth in Jan or dollar cost average
Replies: 33
Views: 2447

Re: Max out Roth in Jan or dollar cost average

Hmm I'm not sure if i can put 5500 in roth before my payday in Jan - are there any laws restricting it i.e., I have to fun 2013 roth from my 2013 income only ?
by rex
Sat Dec 01, 2012 2:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Max out Roth in Jan or dollar cost average
Replies: 33
Views: 2447

Max out Roth in Jan or dollar cost average

Hi Investment Gurus,

I read somewhere that missing the best market days can dramatically lower investment returns.

So i was wondering if i should max out my and DW's roth IRA in Jan or put a fixed sum each month ?

thanks,
Rex
by rex
Sat Dec 01, 2012 2:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Max out Roth in Jan or dollar cost average
Replies: 33
Views: 2447

Re: Switching from All State to Kemper

Thanks all - I'll try to first negotiate a new rate with AllState as per your advise.
by rex
Thu Nov 29, 2012 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching from All State to Kemper
Replies: 6
Views: 532

Switching from All State to Kemper

Hi Folks,

I just received a quote from Kemper insurance company and the rates are 40% lower than all state. I'm wondering if there is a catch somewhere and if anyone has had any experience with this insurance company ?

thanks !
by rex
Wed Nov 28, 2012 3:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Switching from All State to Kemper
Replies: 6
Views: 532

Re: Things to consider before buying a used car

Thanks for the great advise folks. I'm basically looking for something within $5000 . The main worry i have about an used vehicle is if something goes wrong after the purchase, say a month down the line, there is no warranty to fall back on. And yeah, I can get a bicycle , but my commute to work is ...
by rex
Wed Nov 14, 2012 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Things to consider before buying a used car
Replies: 17
Views: 1809

Things to consider before buying a used car

Hi Folks, I'm looking for a used car for commuting to and from work (about 3 miles/day) - I'll not be using this for long trips or anything (we have a 2010 Sonata that's pretty reliable) - just commuting back and forth from office. Looking to spend the least amount possible for a car that'll serve m...
by rex
Mon Nov 12, 2012 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Things to consider before buying a used car
Replies: 17
Views: 1809

Re: Insurance Checkup

Thanks Folks.

My takeaway:
1. 1M in umbrella coverage will do it for me for now.
2. Need to research the details and clauses for LTD and see if the one i have at work is good enough or need to get an individual policy.
3. Get a life insurance on my wife

-Rex
by rex
Wed Nov 07, 2012 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Checkup
Replies: 8
Views: 470

Re: Insurance Checkup

Thanks Folks . I currently rent and do have a renters insurance. I have a 800k term life through work and a seperate 500k term life outside. Disability is covered through work - any particular reason why group disability is less useful (other than changing /loosing job situation ) ? So , for umbrell...
by rex
Wed Nov 07, 2012 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Checkup
Replies: 8
Views: 470

Insurance Checkup

Hi Folks, Just wanted to get a quick checkup on whether i have the right kind (enough?) auto/liability insurance. Info: Male ,married, 30 One child, wife stays home to take care of him Annual Income = 144k Assets: --> 135k in taxable investments --> 20K in Roth --> 75k in a 401K I currently have the...
by rex
Wed Nov 07, 2012 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Checkup
Replies: 8
Views: 470
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