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Re: Guidance moving to Seattle

I would scratch Belltown off the list (crime) as well as areas south like Beacon Hill or Georgetown. In your 20s, single, I would focus on Cap Hill, Fremont, Greenlake. QA and Ballard are nice, but not worth the bang/buck for a youngster. I would also have a car if you plan to do some exploring. Ren...
by toblerone
Fri Sep 05, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance moving to Seattle
Replies: 20
Views: 1716

Re: Debating whether to keep current vehicle or purchase ano

I can afford another car Can you afford it? I don't know. We don't know your financial situation Depending on the answer to denovo's question, I say yes... unless you are on some quest to see how far you can drive your car into the ground, which is kind of cool, and usually smart financially if not...
by toblerone
Thu Aug 28, 2014 3:27 am
 
Forum: Personal Consumer Issues
Topic: Debating whether to keep current vehicle or purchase another
Replies: 44
Views: 2383

Re: Hot water heater

Having smelled nasty water from a heater left dormant for a few months, I concur with Ralph. Unless kept at a temperature where bacteria have trouble living (i.e. hot) the water should be flushed thru at least once every 1-2 months. Before you use it for real, flush it, then crank it up really hot t...
by toblerone
Mon Aug 25, 2014 1:06 am
 
Forum: Personal Consumer Issues
Topic: Hot water heater
Replies: 4
Views: 801

Re: 3 Fund Portfolio at Schwab?

...if you're going to be paying a commission in order to ensure complete International diversification anyway… Exactly, which is why I suggested SWTSX, VXUS, and BND above (if the ETFs are available for a nominal fee) for a "3 Fund Portfolio at Schwab". If you are really trying to keep it...
by toblerone
Mon Aug 18, 2014 12:58 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2212

Re: 3 Fund Portfolio at Schwab?

I have nearly the same situation with a 401k at Schwab. Their int'l and bond index funds are weak, and I wanted to keep it simple, so I use:
SWTSX
VXUS
BND

Happy so far :sharebeer
by toblerone
Sat Aug 16, 2014 3:06 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2212

Re: Should i Buy a new car

I'm in a similar situation with 16k saved in a separate savings account toward a car that will cost 25k a year from now. I could pay cash using taxable account or E-fund now, but I'm determined to pay cash and not use these accounts, so I will try to save and not raid these accounts. I would dial it...
by toblerone
Mon Aug 04, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 4064

Re: Help me invest my HSA

It's all about overall costs, right? Am I missing something? I don't think so. I have Chase HSA, was pretty disappointed with the choices and ERs, and thought about moving it out. After looking at the competition it wasn't so bad. Pros: No front or back loads, no transaction fees, no minimums. Cons...
by toblerone
Sat Jun 07, 2014 3:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me invest my HSA
Replies: 11
Views: 917

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

No problems with my twin-blade Honda push mower, 12 years old. It will leave a line of clumped up grass if mulching too much at once. I keep it at the highest setting and mow regularly with sharp blades, and it does a great job. As for starting issues, yes on the gas stabilizer, and close the fuel v...
by toblerone
Sun Apr 27, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9361

Re: Your stock/bond mix for those ~20 yrs from retirement

Age 44, a little behind but catching up.
I'm moving slowly from 70-30 to 65-35. My IPS calls for 65-35 by age 45. Currently about 67-33 and buying bonds with new money.
by toblerone
Thu Mar 06, 2014 3:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Your stock/bond mix for those ~20 yrs from retirement
Replies: 42
Views: 2980

Re: Planning first trip to Oregon and Seattle - advice sough

I grew up in Portland and moved to Seattle 10 years ago. There is so much to see and do in both areas. Based on your OP: 1. I second the above advice and stay one night at the Edgefield in Troutdale, OR. The next day, take I-84 east to Multnomah falls, and drive around Mount Hood, visiting Timberlin...
by toblerone
Wed Mar 05, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 40
Views: 2204

Re: Should I refinance ? Does my logic make sense ?

If you are getting paid to get a lower rate, how could the answer be "no"? I would check the #s though, seems to good to be true. Also seems like you should have got a 15 yr in Aug 2013. Other than the temporary dings on your credit score due to inquiries etc, I don't see any reason not to...
by toblerone
Thu Feb 06, 2014 3:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I refinance ? Does my logic make sense ?
Replies: 39
Views: 1844

Re: Floor jacks

should I just get a new, imported jack (~$80 at harbor freight) and plan to replace it every few years? Yes. My cheap steel HF jack has lasted 7 years and going strong. Treat it right and it should last a long time. Don't overload it or leave it under load (using jackstands, right? :!: ) At one poi...
by toblerone
Tue Feb 04, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Floor jacks
Replies: 17
Views: 1922

Re: El-Erian out at Pimco - WSJ

Levett wrote:Why do Bogleheads care?

Because PTTDX is the best choice in my HSA, @ 0.75 ER :shock:
by toblerone
Wed Jan 22, 2014 1:23 am
 
Forum: Investing - Theory, News & General
Topic: El-Erian out at Pimco - WSJ
Replies: 28
Views: 3397

Re: Online Saving Bank Account

corner559 wrote:How quick are money transfers both in and our of Barclays?

According to this, typically 2-3 business days, in and out.
https://www.banking.barclaysus.com/faq.html?wc=true#earnInterest
by toblerone
Thu Dec 19, 2013 1:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3990

Re: Beating the Market, as a Reachable Goal

Why is it that investing is the only endeavor where participants are encouraged to strive for mediocrity because they can never achieve a better result? If achieving an average result is the best that you can be, why will trying to do better than average result in your performance being below avera...
by toblerone
Sun Dec 08, 2013 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Beating the Market, as a Reachable Goal
Replies: 47
Views: 3515

Re: Nanny Minimum Wage

The sister-in-law could be getting other types of compensation, such as free room and board, and who knows what else.
by toblerone
Tue Dec 03, 2013 2:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Nanny Minimum Wage
Replies: 34
Views: 2986

Re: Bogleheads Portfolio Help request. Lets Go!

the only thing making me uncomfortable is after rebalancing my 4 funds across my 4 accounts, it leaves ALL of the International in my Roth post tax account. Therefore, that particular account is heavily leaning outside my overall “AA” goals. I am wondering if, because this is a post-tax account, th...
by toblerone
Fri Nov 15, 2013 1:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads Portfolio Help request. Lets Go!
Replies: 9
Views: 885

Re: Bogleheads Portfolio Help request. Lets Go!

the only thing making me uncomfortable is after rebalancing my 4 funds across my 4 accounts, it leaves ALL of the International in my Roth post tax account. Therefore, that particular account is heavily leaning outside my overall “AA” goals. I am wondering if, because this is a post-tax account, th...
by toblerone
Wed Nov 13, 2013 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads Portfolio Help request. Lets Go!
Replies: 9
Views: 885

Re: Finalizing portfolio changes, please advise

are there any other funds in my HSA options that would make sense given my 80/20 asset allocation? Can you edit your original post to include ERs of the HSA choices? You'll probably get more feedback. I'm in the same boat (maxing tax-advantaged space, using HSA as option #2). Ruralavalon: thank you...
by toblerone
Fri Jul 26, 2013 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Finalizing portfolio changes, please advise
Replies: 13
Views: 1130

Re: Finalizing portfolio changes, please advise

You have enough space to put all your bond % in your 401k, with a mix of short and long Northern Trust. Good ERs but not a very diversified bond portfolio. Following this logic, in the taxable account I would have one fund, VTIAX. In the Roths, both one fund, VTSAX or VTSMX. Then fill out the rest o...
by toblerone
Thu Jul 25, 2013 2:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Finalizing portfolio changes, please advise
Replies: 13
Views: 1130

Re: What Do You Use to Track Your Credit Scores???

Why does not having your debt decrease or net worth increase work to "prove" your credit is improving? Ironically it only serves for you to then take on more debt... I'm not sure I understand your question, but in my case I was trying to maximize my score after emerging from divorce, debt...
by toblerone
Mon Jul 22, 2013 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Use to Track Your Credit Scores???
Replies: 20
Views: 1281

Re: What Do You Use to Track Your Credit Scores???

I use ExperianDirect for $7/mo. The score is not a real FICO (a FAKO), but close enough. I can check my report at any time, and set up alerts to monitor for fraud or score changes. Up until now, it has been worth $7 to monitor progress as I worked my way out of debt and improved credit. At some poin...
by toblerone
Mon Jul 22, 2013 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Use to Track Your Credit Scores???
Replies: 20
Views: 1281

Re: sunglasses

I always bought cheap (<$20) sunglasses but splurged on a pair of Maui Jim's for $160 about 2 years ago. The difference in comfort is unbelievable! I got them at Sunglass Hut, and they included a replacement warranty for 50% cost. Lo and behold, six months later my dog chewed up my awesome MJ sungla...
by toblerone
Thu May 23, 2013 3:13 am
 
Forum: Personal Consumer Issues
Topic: sunglasses
Replies: 109
Views: 17067

Re: Share Your Written Investment Plan In This Thread

It sounds like you mean "Investment Policy Statement". There are links to examples in the forum at the end of the wiki article.
http://www.bogleheads.org/wiki/Investment_Policy_Statement
by toblerone
Wed May 15, 2013 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Share Your Written Investment Plan In This Thread
Replies: 4
Views: 871

Re: Advice / ?'s on incoming funds

4. I was reading online and came across an article on the benefits of a Roth versus a TIRA and saw a comment that concerned me a bit: “You have to be careful if you have other zero basis (pre-tax) trad IRAs because the IRS does not allow you to pick and choose which basis (or lot) you want to use f...
by toblerone
Wed Apr 03, 2013 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice / ?'s on incoming funds
Replies: 4
Views: 445

Re: Need input on putting it all together

1. I'd like to simplify the portfolio as well as restructure the asset allocation to 85/15. The Vanguard Retirement Target 2035 seems to fit this criteria. Should the IRA, individual 401(k) and individual Roth 401(k) all be converted to Vanguard Retirement Target 2035 ? 2. I'm going to start invest...
by toblerone
Wed Apr 03, 2013 2:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Need input on putting it all together
Replies: 11
Views: 926

Re: Vanguard vs Schwab

One you have 10k you can switch to Vanguard admiral shares which I believe has an ER of .05% (VTSAX). The Vangaurd ETFs are super cheap too. My 401k is at Schwab, so I'm stuck there, but I have Vanguard ETFs in taxable and Roth accounts. The Schwab Total Stock Market fund is fine (I use it). It uses...
by toblerone
Wed Mar 27, 2013 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Schwab
Replies: 3
Views: 754

Re: Been a while...just checking in to get financial advice.

I put more into 400 than I would have because it shows that it has outperformed the 500 on these particular funds over the last 3 years. Am I wrong in investing based on that? Yes. Also, you should edit your original post using this format: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=62...
by toblerone
Sun Mar 24, 2013 4:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Been a while...just checking in to get financial advice.
Replies: 3
Views: 757

Re: Been a while...just checking in to get financial advice.

Hi, I would first up the emergency fund if it's only 2k, then pay off student loan #2 and #1 in that order as fast as possible, then tackle the car payment. In your retirement accounts I think you have a good situation close to the 3-fund portfolio (total bond fund, total stock fund, total internati...
by toblerone
Thu Mar 21, 2013 4:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Been a while...just checking in to get financial advice.
Replies: 3
Views: 757

Re: newbie portfolio evaluation

I see nothing dangerous in your current portfolio that cries out for an immediate change, so I see nothing wrong in waiting while you learn more. Just don't get yourself caught up in "analysis paralysis" seaching for the perfect plan No paralysis anymore, I'm fully invested with good AA (...
by toblerone
Sat Mar 16, 2013 4:07 am
 
Forum: Investing - Help with Personal Investments
Topic: newbie portfolio evaluation
Replies: 10
Views: 1248

Re: newbie portfolio evaluation

I didn't mention it before but I would like to stay away from ETFs in the Schwab 401k (for now) if there are good mutual fund alternatives, and the Vanguard Total Intl mutual fund (VGTSX) seems pretty expensive at 0.22% (but it does have 6X the holdings of the Fidelity fund). I agree I would like to...
by toblerone
Fri Mar 15, 2013 1:15 am
 
Forum: Investing - Help with Personal Investments
Topic: newbie portfolio evaluation
Replies: 10
Views: 1248

Re: newbie portfolio evaluation

Thank you for the positive feedback on the allocation, very encouraging.
I've edited the original post to update my current allocation, and listed some investment offerings.
by toblerone
Thu Mar 14, 2013 2:00 am
 
Forum: Investing - Help with Personal Investments
Topic: newbie portfolio evaluation
Replies: 10
Views: 1248

Re: newbie portfolio evaluation

Ok I will use just the intermediate fund and combine it all, thanks John.
Mike
by toblerone
Mon Mar 11, 2013 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: newbie portfolio evaluation
Replies: 10
Views: 1248

Re: new Boglehead portfolio evaluation

I'm confused, is the bottom what you are going to add using cash, because it adds up to 69%? Could you just give us what portfolio that you are going to implement? Yes, well it adds up to 77% which is the total cash position I have in all 3 accounts. Putting both halves together: Scottrade Taxable ...
by toblerone
Fri Mar 08, 2013 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: newbie portfolio evaluation
Replies: 10
Views: 1248

newbie portfolio evaluation

(edited/updated again - thanks for all the advice so far) Hi all, first post here, love this community - thank you all very much. ---------- Emergency funds: 4 months of expenses Debt:, None, other than mortgage. Mortgage = Currently refinancing to 15 yr fixed @ ~3%. Equity = 24% of 220k value Tax ...
by toblerone
Fri Mar 08, 2013 1:00 am
 
Forum: Investing - Help with Personal Investments
Topic: newbie portfolio evaluation
Replies: 10
Views: 1248

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