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by toblerone
Tue May 19, 2015 12:51 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell my company's stock and exchange it for an SP500 index fund?
Replies: 60
Views: 3510

Re: Should I sell my company's stock and exchange it for an SP500 index fund?

What exactly does single stock risk mean in this situation? My company's stock has low beta to the S&P500, and has a lower valuation, so it seems to me like the SP500 is a riskier asset. Diversification is the so-called free lunch, or cheaper lunch. It will lower volatility without lowering exp...
by toblerone
Tue May 12, 2015 1:46 am
Forum: Personal Consumer Issues
Topic: Epoxy garage floor?
Replies: 20
Views: 2078

Re: Epoxy garage floor?

I have a 3-car garage, and at first tried the water based product sold at HD on part of the floor. It flaked off badly but I think most of that was due to poor surface preparation. The second time, 8 years later, I decided to tackle it again. This time it turned out great, well worth the $ and hours...
by toblerone
Tue Apr 21, 2015 1:51 am
Forum: Investing - Help with Personal Investments
Topic: Should I make Roth contributions to 401k?
Replies: 28
Views: 1974

Re: Should I make Roth contributions to 401k?

The first graph is not fair, because you are saving less money with the Traditional option. Remember after tax dollars are worth more now than pre-tax. To be fair you need include the taxable investment and treat it properly. In the end all that really matters is the tax bracket you are in now vs th...
by toblerone
Tue Apr 21, 2015 1:35 am
Forum: Investing - Help with Personal Investments
Topic: Should I make Roth contributions to 401k?
Replies: 28
Views: 1974

Re: Should I make Roth contributions to 401k?

Question re: "+ tax savings", are these taxable savings being treated the same as your 401k in the calculation? It seems you are around the breakeven point with the Roth vs Traditional argument. Changes in tax laws and your tax brackets could change the totals in the prediction pretty easi...
by toblerone
Thu Mar 12, 2015 1:04 am
Forum: Investing - Help with Personal Investments
Topic: Ideas/Strategies to Invest in Taxable Account
Replies: 27
Views: 2751

Re: Ideas/Strategies to Invest in Taxable Account

1) Continue to dirp invest into the above mentioned blue chip dividend paying stocks and add a few more along the way to drip into(WMT, JNJ, ABT...ect) 2) ditch this strategy and make my life easier by just dripping into sector ETF's through sharebuilder's website 3) combination of Individual blue ...
by toblerone
Wed Mar 11, 2015 1:28 am
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 4674

Re: If you could send an investment message 10 years in the

"Divorcenow,savelikecrazy" followed by some compressed lottery numbers for 2006. Or, if limited to investing, the hottest stock from 2006-2015.
by toblerone
Wed Feb 25, 2015 2:02 am
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 22066

Re: What are Costco's best deals?

I'm not sure these are the best deals, but what I consider good deals for what I want/need, and that I never buy at regular grocery stores.

water (40 x 500ml bottles)
bounty paper towels
charmin toilet paper
xerox printer paper
cereal
mixed nuts
razor refills, toothpaste, shampoo, deodorant
by toblerone
Tue Feb 24, 2015 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another how much to save for retirement question.....
Replies: 5
Views: 746

Re: Yet another how much to save for retirement question....

airahcaz wrote:Are the reversed? One needs more $ for a higher SWR.

No, because the income side is fixed. (%)*(total)=income. Lower % requires a higher total.
by toblerone
Tue Feb 24, 2015 1:37 am
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 14328

Re: How much did you have saved up for retirement at age 30?

Zero dollars, inflation adjusted. I cashed out a 10k SEP IRA to help pay for changing jobs and cities. One of many dumb mistakes until a financial epiphany following divorce at age 40 and Bogle-ution at 43. I'm at ~500k now at 45, so doing ok. Cheers to the 30 yr olds with 100k+! :sharebeer
by toblerone
Thu Feb 05, 2015 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Complete and utter newbie wanting direction...
Replies: 28
Views: 2016

Re: Complete and utter newbie wanting direction...

Instead of trying to eat the whole elephant at once, during your reading try to understand these two topics: - Account types (401k, Roth, Traditional IRA, etc), how they work, and pros/cons of each - Asset classes (stock vs bond, domestic vs international) and how to determine your asset allocation ...
by toblerone
Tue Jan 13, 2015 2:42 am
Forum: Investing - Help with Personal Investments
Topic: portfolio checkup
Replies: 3
Views: 587

Re: portfolio checkup

dhc wrote:3. I'm starting to bat around ideas about investing the emergency fund in something other than an online savings account.

I-bonds might be a good next step for the E-fund: about double the interest rate, just as safe and inflation protected, while giving up a bit of liquidity, at least for one year.
by toblerone
Fri Jan 02, 2015 2:43 am
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 25091

Re: What do you drive, and why?

2015 Mazda 3s Touring Hatch 2.5L MT, bought last November. So far, best car I've ever owned 8-) It replaced a 2004 Mazda 6i Hatch 2.3L MT which was also bought new, second best car I've ever owned 8-) Why? For a simple 4-seat car Mazda offers the best for peformance/reliablity/price combined, if per...
by toblerone
Fri Jan 02, 2015 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Saving too much in retirement accounts? Numbers inside.
Replies: 16
Views: 4442

Re: Saving too much in retirement accounts? Numbers inside.

Now (2015) until 40: Continue saving and coming close to maxing out tax sheltered accounts, AA 100% stock. 41-50: Reduce contributions and begin buying bonds. 51-70: No contributions, Annually rebalance with a target AA of 60-40 around age 70, which is when these accounts would begin withdrawals. I...
by toblerone
Thu Jan 01, 2015 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Almost made it! From $ -530k net worth to $-9k this yr
Replies: 36
Views: 7407

Re: Almost made it! From $ -530k net worth to $-9k this yr

Coiled_Snake wrote:*By the way, you don't count 529s in net wealth, right? That would sneak me right over to the positive side.

I use them in net worth calculations, but I factor in the penalty for non-educational expenses. A good middle ground for the NW calc - your true asset, if you withdrew it for any purpose.
by toblerone
Wed Nov 19, 2014 1:58 am
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 5541

Re: Buying a lasting vehicle

Not trying to be a pain but why are foreign cars so popular on this forum? :) Just about every suggestion is a foreign car and American cars are very rarely suggested. Have you had bad experiences with American cars and/or found the foreign cars to be more reliable? Or do you base your decisions on...
by toblerone
Wed Nov 19, 2014 1:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 11
Views: 1466

Re: Portfolio Advice

My 401K from my previous employer which was at putnam is literally as we speak being rolled over into a Vanguard tIRA, This is unfortunate because your income is too high to contribute directly to a Roth. If you left the money in the 401k you may have been able to do a backdoor Roth of 5.5k without...
by toblerone
Fri Nov 07, 2014 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Are you buying I bonds in 2014? And if so, for what role?
Replies: 46
Views: 5722

Re: Are you buying I bonds in 2014? And if so, for what role

I bought my first $10k in Nov 2013, next $10k in Oct 2014, and plan to continue for at least a few years. I'll be selling them to supplement my kids' 529s 4-10 yrs from now (if necessary). If they are not needed I will use to replace EF, currently in high yield savings. I think I-bonds are a good ch...
by toblerone
Wed Oct 22, 2014 1:07 am
Forum: Investing - Help with Personal Investments
Topic: Help Change Direction - Invest or Fix Personal Finance
Replies: 16
Views: 1282

Re: Help Change Direction - Invest or Fix Personal Finance

Welcome! It looks like you are on the right track - I'm a late starter myself. I would put all the taxable savings toward the CC debt, then get on the Dave Ramsey beans and rice plan to get rid of that CC debt as fast as possible. Once you get out of debt, do not follow his investing advice, come ba...
by toblerone
Sun Oct 12, 2014 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds and first home buying
Replies: 2
Views: 401

Re: I-Bonds and first home buying

It makes sense to me. I'm doing the same thing, to pay for college expenses 4 yrs from now, and I will probably keep buying 10k per year afterward.
by toblerone
Wed Sep 24, 2014 9:11 pm
Forum: Personal Consumer Issues
Topic: What is the smallest monitor one can buy?
Replies: 13
Views: 1296

Re: What is the smallest monitor one can buy?

What is the max viewing distance? You can get a tiny monitor, but if you want to be able to see the menus from the couch, I would choose at least a 23"-24" monitor.
by toblerone
Fri Sep 05, 2014 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance moving to Seattle
Replies: 21
Views: 2129

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
Thu Aug 28, 2014 2:27 am
Forum: Personal Consumer Issues
Topic: Debating whether to keep current vehicle or purchase another
Replies: 44
Views: 2555

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
Mon Aug 25, 2014 12:06 am
Forum: Personal Consumer Issues
Topic: Hot water heater
Replies: 4
Views: 851

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
Sun Aug 17, 2014 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2596

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
Sat Aug 16, 2014 2:06 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2596

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
Mon Aug 04, 2014 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 4686

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
Sat Jun 07, 2014 2:20 am
Forum: Investing - Help with Personal Investments
Topic: Help me invest my HSA
Replies: 12
Views: 1213

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
Sun Apr 27, 2014 8:06 pm
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 11970

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
Thu Mar 06, 2014 2:12 am
Forum: Investing - Help with Personal Investments
Topic: Your stock/bond mix for those ~20 yrs from retirement
Replies: 42
Views: 3065

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
Tue Mar 04, 2014 11:01 pm
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 43
Views: 2753

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
Thu Feb 06, 2014 2:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance ? Does my logic make sense ?
Replies: 39
Views: 2122

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
Tue Feb 04, 2014 9:19 pm
Forum: Personal Consumer Issues
Topic: Floor jacks
Replies: 17
Views: 2098

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
Wed Jan 22, 2014 12:23 am
Forum: Investing - Theory, News & General
Topic: El-Erian out at Pimco - WSJ
Replies: 28
Views: 3504

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
Thu Dec 19, 2013 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 4388

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
Sun Dec 08, 2013 8:44 pm
Forum: Investing - Theory, News & General
Topic: Beating the Market, as a Reachable Goal
Replies: 47
Views: 3545

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
Tue Dec 03, 2013 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Nanny Minimum Wage
Replies: 34
Views: 3082

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
Fri Nov 15, 2013 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads Portfolio Help request. Lets Go!
Replies: 9
Views: 904

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 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads Portfolio Help request. Lets Go!
Replies: 9
Views: 904

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
Thu Jul 25, 2013 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Finalizing portfolio changes, please advise
Replies: 13
Views: 1156

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
Thu Jul 25, 2013 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Finalizing portfolio changes, please advise
Replies: 13
Views: 1156

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
Mon Jul 22, 2013 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Use to Track Your Credit Scores???
Replies: 20
Views: 1337

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 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Use to Track Your Credit Scores???
Replies: 20
Views: 1337

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
Thu May 23, 2013 2:13 am
Forum: Personal Consumer Issues
Topic: sunglasses
Replies: 109
Views: 17982

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
Tue May 14, 2013 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Share Your Written Investment Plan In This Thread
Replies: 4
Views: 887

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 Apr 03, 2013 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Advice / ?'s on incoming funds
Replies: 4
Views: 471

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 1:59 am
Forum: Investing - Help with Personal Investments
Topic: Need input on putting it all together
Replies: 11
Views: 994

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 Mar 27, 2013 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Schwab
Replies: 3
Views: 803

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...

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