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Seattle Chapter?

Hey I noticed that the Seattle chapter has a dead email

Chapter 8 - Seattle
Contact Tyrone (boglety@yahoo.com)

Would anyone be opposed if I started a meetup group for Seattle that met once a month?

Thanks.
by zmcpherson
Thu May 29, 2014 5:58 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 69
Views: 6769

Re: Buying a house vs investing?

FHA is actually FAR worse then you are sharing here since the rule change: http://www.fha.com/fha_requirements_mortgage_insurance You absolutely WILL have to pay PMI regardless of downpayment. And with a 3% downpayment your PMI will be 135 basis points. That is ASTRONOMICAL. "On or after 4/1/2...
by zmcpherson
Mon Aug 05, 2013 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a house vs investing?
Replies: 26
Views: 2837

Re: Buying a house vs investing?

With FHA you still have to pay PMI with a 3% down payment. That will increase your effective interest rate quite a bit (apprximately $300/month on 300K). You will pay this until you have paid off at least another 17% of the balance of your mortgage, which would be in month 100 assuming no large hom...
by zmcpherson
Mon Aug 05, 2013 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a house vs investing?
Replies: 26
Views: 2837

Re: Buying a house vs investing?

Im actually trying to purchase a home at the end of my lease (3rd quarter 2014), so I have been dealing with these same questions. Next year Ill be 29, first time home buyer, with 100k in salary, and here is what I am leaning towards. Im not sure if you have looked into 203b loans yet from the FHA,...
by zmcpherson
Fri Aug 02, 2013 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying a house vs investing?
Replies: 26
Views: 2837

Re: Portfolio help

Do not pay of the car loan early, its lower than the rate of inflation, you will actually save money by carrying the loan for the entire life of the loan. At the same time, you definitely do not need 14 months worth of expenses as a single 26 year old with no family and a new car - 6 months is usual...
by zmcpherson
Thu Aug 01, 2013 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help
Replies: 8
Views: 453

Re: Buying a house vs investing?

Im actually trying to purchase a home at the end of my lease (3rd quarter 2014), so I have been dealing with these same questions. Next year Ill be 29, first time home buyer, with 100k in salary, and here is what I am leaning towards. Im not sure if you have looked into 203b loans yet from the FHA, ...
by zmcpherson
Thu Aug 01, 2013 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a house vs investing?
Replies: 26
Views: 2837

Re: Interesting Debt Theory...

Depends on how much the matching is. It may outweigh the CC interest. After running multiple models with ranging returns 5-10%, also changing the credit card financing charges (anywhere from 15-20%), 401k matching has the largest impact. It looks like it is always better to get the 401k matching be...
by zmcpherson
Wed Jul 31, 2013 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting Debt Theory...
Replies: 48
Views: 3468

Re: Interesting Debt Theory...

This thinking may also cause something much more dangerous; having credit card debt as a "normal" feeling. Nooo!! Ive always hated "The Psychology of Debt" argument (I knew someone would bring it up). With money, finances, and anything else that has concrete numbers, we have the...
by zmcpherson
Tue Jul 30, 2013 6:36 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting Debt Theory...
Replies: 48
Views: 3468

Re: Interesting Debt Theory...

This is really just a math problem. By paying off the high interest rate debt sooner, you pay less interest, meaning you have more money that can compound over the 35 year period. So your friend should payoff the high interest debt. Here is a link to the math. https://docs.google.com/spreadsheet/cc...
by zmcpherson
Tue Jul 30, 2013 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting Debt Theory...
Replies: 48
Views: 3468

Re: Interesting Debt Theory...

I was trying to find any articles I could to support the position, and this one touches on it: http://www.nbcnews.com/technology/when-30k-worth-more-90k-when-you-save-retirement-your-6C10111142
by zmcpherson
Tue Jul 30, 2013 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting Debt Theory...
Replies: 48
Views: 3468

Interesting Debt Theory...

A few friends and I were discussing what another friend should do with his newly acquired $15k. For the most part we agreed that he should pay off his credit cards (2k@18-20%), car (8k@8%), and then put the rest into his company 401k up to matching and then into an IRA with whatever is left over. Su...
by zmcpherson
Tue Jul 30, 2013 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting Debt Theory...
Replies: 48
Views: 3468

Re: Esurance?

Yeah, everything is the exact same. Almost 100% more just seems like an insane price difference.
by zmcpherson
Tue Jul 30, 2013 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Esurance?
Replies: 15
Views: 1636

Esurance?

Does anyone here use Esurance for their automobile? Ive had progressive for 6ish years but I just did some price shopping and Esurance would drop my rate from $800 to $420 per 6 months for the exact same coverage. It seems like a no brain-er, but I suppose there always has to be a catch (though Esur...
by zmcpherson
Tue Jul 30, 2013 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Esurance?
Replies: 15
Views: 1636

Re: 501(c)7

sorry I should of been more specific its a 501(c)7
by zmcpherson
Fri Feb 08, 2013 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: 501(c)'s
Replies: 2
Views: 179

501(c)'s

I have a few questions regarding a 501(c)'s, more specifically, how to structure one and how to compensate for one. 3 friends and I want to start a non profit, so 4 people total. I can't seem to figure out how to split up Executive Director, board members, and FTE's. I was reading on 501c3.org's web...
by zmcpherson
Fri Feb 08, 2013 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: 501(c)'s
Replies: 2
Views: 179

Re: Help a 22 y/o invest an inheritance

+1 to Meg77

I Agree with every word of it.

89.5/10.5 would give you a perfectly fine ratio for this year, then next year you can move to 84/16 by simply adding another $5500 to the IRA account come Jan 1st.
by zmcpherson
Wed Feb 06, 2013 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help a 22 y/o invest an inheritance
Replies: 32
Views: 2943

Re: HSA right for me?

Thanks guys I really do appreciate the help. That breakdown was exactly what I couldn't figure out.

Are there any HSA custodians that let you invest in Vanguard MF's? and what are some HSA custodians that you guys are using?
by zmcpherson
Fri Nov 23, 2012 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA right for me?
Replies: 9
Views: 630

Re: HSA right for me?

Sorry I suppose I should of listed that Premium frequency is monthly (btw, thank you guys for the quick responses) Actually going back and doing the calculations - annually, the standard is $611.52 more, and the Premium is $1,398.28 more than the HD/HSA. I'm still trying to get a hold of the HR pers...
by zmcpherson
Wed Nov 21, 2012 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA right for me?
Replies: 9
Views: 630

HSA right for me?

Hey guys I need to resign up for benefits this year and my employer just started offering a HD/HSA and I want to know if in my situation it makes sense and if there is a deductible/Max that makes that HSA not worth it. Im been looking through all the board posts and it sounds like HSA's are highly f...
by zmcpherson
Wed Nov 21, 2012 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA right for me?
Replies: 9
Views: 630

Re: 401k choices...

75/25 would definately be more appropriate for your age, in my opinion. Especially in today's low interest rate environment for bonds. You've got ~38 years to retirement, the market will go up and down, all the while you will keep contributing and are years away from making withdrawls. At what age ...
by zmcpherson
Wed Sep 05, 2012 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k choices...
Replies: 10
Views: 928

Re: 401k choices...

Sorry about the delayed response, labor day weekend. @ ljwobker No dice on the self directed plan and this company is probably too large to start switching things around. @ Duckie Alright, I will just go 70/30 in the 401k for now, and then when I hit these target numbers I will switch them over to t...
by zmcpherson
Wed Sep 05, 2012 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k choices...
Replies: 10
Views: 928

Re: 401k choices...

zmcpherson, given your 401k choices I would use: (SPIAX) Invesco S&P 500 Index Fund A Shares (0.61%) (FEPAX) Fidelity Advisor Total Bond Fund A Shares (0.84%) Nice, I was right for a change. Once your 401k gets around $15K I would swap the Vanguard 2025 Fund in your Roth IRA to the following: (...
by zmcpherson
Fri Aug 31, 2012 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k choices...
Replies: 10
Views: 928

Re: 401k choices...

haha sorry, I suppose I assumed that you all knew the ER's by heart : P Large Cap BLKRK BASIC VALUE A - .84 INVS S&P 500 INDEX A - .61 MFS MA INV GRTH R3 - .81 Mid-Cap NUVEEN MDCP INDEX A - .93 PRU/J MID CAP GR A - 1.09 VICTORY ESTB VALUE A - 1.08 Small Cap HEARTLAND VAL PLS IV - 1.16 JANUS TRIT...
by zmcpherson
Fri Aug 31, 2012 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k choices...
Replies: 10
Views: 928

401k choices...

Hello again! Everything with my IRA is going swimmingly, thank you guys again for your help in steering me in the right direction. My new question has to do with my 401k. The new company i started with is offering me a limited selection of mutual fund choices and my gut is to just follow my IRA sele...
by zmcpherson
Fri Aug 31, 2012 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k choices...
Replies: 10
Views: 928

Re: Soooo new and sooo lost...

lol sorry, I didnt mean to throw up another tricky question on an already seemingly solved thread, I just had the question in fresh in my mind. Completely ignore the question above and ill discuss taxable investments with my accountant a few years down the road when I get 20k into my IRA and build u...
by zmcpherson
Mon Apr 23, 2012 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

I know you have to have 10k in each fund. My question was, whether it would be better to keep contributing to one of the long term retirement funds until I can afford to go straight to admiral shares in all the funds (or even just one of the funds) as the long term retirement funds have lower ER's t...
by zmcpherson
Mon Apr 23, 2012 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

The admiral shares have low ER's... Wouldnt it make more sense just to keep investing everything into either VASGX, VTHRX, or VTTVX at an er of .18 until I hit 30k (as the asset distribution is roughly equal), and from there allocate 10k into total stock admiral, intentional stock admiral, and total...
by zmcpherson
Mon Apr 23, 2012 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

Thanks for the explanations, that cleared up my question : )

Would anyone else recommend pingo's suggesting of 100% in Vanguard Target Retirement 2030 Fund (VTHRX) or Vanguard LifeStrategy Growth Fund (VASGX)?
by zmcpherson
Sat Apr 21, 2012 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

lol I would love to recap my 4 day progression with you guys... day 1: 100% JGMIX or 50% JGMIX and 50% PJP day 2: 50% VTSMX 25% JGMIX and 25% RYVYX day 3: Plan 1 - 75-80% VISGX and 20-25% VBMFX Plan 2 - VTSMX %40, VBMFX 30%, and VISGX 30% and turn it into VTSMX %55, VBMFX 30%, VISGX 15% day 4: 70% V...
by zmcpherson
Fri Apr 20, 2012 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

I see what you guys are saying about the names now, but to be honest, a few days ago the ticker abbreviations made more sense as I didnt know the terminology behind the abbreviations. Total stock market, small growth, small caps, international market, total bond market, etc. were all pretty lost on ...
by zmcpherson
Fri Apr 20, 2012 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

haha I realize that I have a ways to go... I just appreciate the "we" attitude on this forum :wink: Alright... VBMFX, VTSMX, and VGISX are all 3k min to start, I currently have 10k into the account What if I did VTSMX %40, VBMFX 30%, and VGISX 30% to start out with, save up my emergency fu...
by zmcpherson
Fri Apr 20, 2012 1:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

lol pingo you crack me up, I just read this
You're taking important steps, but we still have a ways to go.
: P
by zmcpherson
Thu Apr 19, 2012 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

this forum is incredible, I took a half an hour to eat a sandwich and got 5-6 replies back : P The mutual fund RYVYX was primarily used for an example as something risky, I understand that many funds like this are pretty much considered betting, I was just curious if anyone else, like pingo, had a f...
by zmcpherson
Thu Apr 19, 2012 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

Wow, thank you for pointing that out, its uncanny how similar they are. I swear I looked at that fund (I even made mention of it), for some reason I guess I just missed that. When you point that out it makes no sense to put anything into JGMIX. Wow, again. If no one minds me asking... What ratios in...
by zmcpherson
Thu Apr 19, 2012 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

This could be fun. I'll play. 1. They are a 5 star morningstar company 2. Janus has a fairly low turnover at 42%. 3. They have a 1 star for risk and a 4-5 star on return depending on which site you consult. 4. They have 21% assets in the top 10 holdings 5. They are 95% stock in 86ish holdings which ...
by zmcpherson
Thu Apr 19, 2012 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

$350 a week, im putting 21.5% a month into savings : P

Ill look into switching over to vangaurd tomorrow, the VGSTX looks interesting.
by zmcpherson
Thu Apr 19, 2012 1:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

Does vanguard charge IRA fee's? .... such as opening an account, maintaining an account, depositing money, and buying mutual funds other then Vanguard's?
by zmcpherson
Wed Apr 18, 2012 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

Wow, the response on this site is incredible. I had no idea this forum was so active. I do not currently have a savings emergency fund yet, I suppose I will put my extra cash towards that this year, great call. I took a look at VTSMX, VGTSX, and VBMFX and it looks like none of them come that close t...
by zmcpherson
Wed Apr 18, 2012 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Re: Soooo new and sooo lost...

Sorry I wanted to update this right after I posted, but i found out that it takes awhile for it to post : P I set up my account at Scottrade, I did a bunch of research and it seemed like they got the best reviews with their no fees IRA's, they seemed to be no.1 or no. 2 in every category. After read...
by zmcpherson
Tue Apr 17, 2012 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

Soooo new and sooo lost...

*edit (I told you guys I would get around to it) : ) Emergency funds = Working on it. I save $350 a week or roughly 21.5% of my income. Debt: No outstanding consumer debt and I pay off my credit cards every month Tax Filing Status: Single No Children Tax Rate: Do not have the paper work with me but ...
by zmcpherson
Tue Apr 17, 2012 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soooo new and sooo lost...
Replies: 76
Views: 4510

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