Search found 393 matches

by CyclingDuo
Sat May 27, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 64
Views: 4254

Re: Sell 2015 Subaru or Keep?

Two questions to start... How much of your monthly gross income (percentage) is currently going to the car payment? How much of your monthly gross income (percentage) is currently going to savings? I make $125k a year and am putting the max in my 401k plus I try to save about $500 a month. The extr...
by CyclingDuo
Sat May 27, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 86
Views: 9685

Re: i am my own "guy," but not sure I should advertise that

Bracket wrote:And while I find it utterly amazing that people who spend the entirety of their life in pursuit of money will never make the time to read even a single book on what to do with it, I am fine with this.


^This!

That has always been fascinating to us as well.
by CyclingDuo
Sat May 27, 2017 4:05 am
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 78
Views: 6489

Re: The dot com "do over" bull market?

...Dieter Helm is a respected energy economist. The vision he sketches out is provocative. Transportation will go electric, because it has to (other than hydrogen, there doesn't seem to be another viable zero pollution way of doing it)... I will point out a few things and then leave this thread. 3....
by CyclingDuo
Sat May 27, 2017 3:12 am
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 64
Views: 4254

Re: Sell 2015 Subaru or Keep?

So I made the mistake of buying a 2015 Subaru Outback Loaded w/ crash detection (eyesight). Needless to say this cost me $36k and I financed it. I can make the payments and have no trouble except now I realize I should be investing that money instead of paying down a vehicle. I owe $26k on it still...
by CyclingDuo
Fri May 26, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 7438

Re: Which Small SUV for 15 Year Reliability?

This ain't no term paper. So draw your own conclusions. :sharebeer In the meantime. Don't be distracted while driving. Don't drive drunk. Don't speed. Don't drive recklessly. Slow down in rain and adverse conditions. Don't run red lights/stop signs. Don't tailgate. Don't drive the wrong way. Watch ...
by CyclingDuo
Thu May 25, 2017 7:33 am
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 78
Views: 6489

Re: The dot com "do over" bull market?

Reading through Random Walk Down Wall Street, and trying really hard to see what bubble we're in right now, if we're in one. One comment theme amongst bubbles is that some new fad (business model, technology, etc.) causes people to not see that the business models those fads are built around are NO...
by CyclingDuo
Thu May 25, 2017 6:10 am
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 19
Views: 1750

Re: Eliminating Single Positions and Moving to Index Fund

I would appreciate some thoughts on selling some individual stock positions and moving proceeds to index funds. I have a large number of individual (domestic) stocks that have been acquired over a wide range of time going all the way back to the 1960s. Some stocks have small capital gain, some have...
by CyclingDuo
Wed May 24, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 41
Views: 3753

Re: Suits: best bang for your buck?

I need to update my wardrobe by two or three suits. I'm an attorney and so need something for the courtroom, but by no means do I care about "projecting authority" or appearing flashy to clients or to a jury -- I just need something that looks sufficiently professional and will blend in (...
by CyclingDuo
Wed May 24, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 7438

Re: Which Small SUV for 15 Year Reliability?

I like your list and it makes sense. Can you provide the supporting data for it though? http://www.freedomchannel.com/road-safety-in-2016-top-10-causes-of-car-accidents-in-the-us/ https://www.nhtsa.gov/research-data https://www.nhtsa.gov/ https://www.nhtsa.gov/risky-driving https://crashstats.nhtsa...
by CyclingDuo
Tue May 23, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Is it worth it spending money to keep your house looking sharp?
Replies: 37
Views: 3826

Re: Is it worth it spending money to keep your house looking sharp?

I've just paid for a few big ticket items around the house, and the bills are sitting in front of me. I'm a little bummed at the thought of having to pay for them. I'm just pondering...do you think the money spent to keep a house looking sharp is money well spent? I mean, it seems like there is a w...
by CyclingDuo
Tue May 23, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: 401k vs Pension
Replies: 15
Views: 1281

Re: 401k vs Pension

Per the pension: my contribution is 7.7% and the state of Texas does a 6.8% match. I'm in a university hospital setting so I get this benefit. I also have social security withheld by my employer, I'm currently single and have them withhold the max allowed. Okay, that helps a lot! So you are socking...
by CyclingDuo
Tue May 23, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: 401k vs Pension
Replies: 15
Views: 1281

Re: 401k vs Pension

Thanks everybody! I think I wasn't as clear as I could have been. I am currently in the pension, and there are options to do additional investing at my exspense no match. So at a minimum I have a mandatory 7% deduction for the pension. I have a job offer which is not state affiliated so the pension...
by CyclingDuo
Tue May 23, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: 401k vs Pension
Replies: 15
Views: 1281

Re: 401k vs Pension

Hey folks! I am having a hard time comparing these two (different) employer sponsored benefits. State backed pension (Teacher retirement system Texas): mandatory 7% pre-tax withholding. At full term (basically, age + years or service = 80) you would be eligible for the average of 5 highest/last sal...
by CyclingDuo
Mon May 22, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: To auto loan or not to auto loan?
Replies: 23
Views: 1309

Re: To auto loan or not to auto loan?

I'm in the market for a new SUV for my wife. We plan to spend roughly $45k (Pilot/MDX/Acadia etc). I was just approved for a 60 month loan at a 2.10% rate through Bank of America where I do my banking. I have $175k in cash that I plan to start investing from a recent home sale, plus I'm waiting on ...
by CyclingDuo
Fri May 19, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 7438

Re: Which Small SUV for 15 Year Reliability?

Airbags, ABS and Electronic Stability Control can save you a visit to the hospital when one of those drivers come headed towards your car. The other features are not critical but can help: collision prevention systems, getting out of track alerts, etc... Those can help you to not be the cause of th...
by CyclingDuo
Fri May 19, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 7438

Re: Which Small SUV for 15 Year Reliability?

I like your list and it makes sense. Can you provide the supporting data for it though? http://www.freedomchannel.com/road-safety-in-2016-top-10-causes-of-car-accidents-in-the-us/ https://www.nhtsa.gov/research-data https://www.nhtsa.gov/ https://www.nhtsa.gov/risky-driving https://crashstats.nhtsa...
by CyclingDuo
Fri May 19, 2017 8:47 am
Forum: Investing - Theory, News & General
Topic: Personal Capital's asset allocation - Is the tool worth the complication?
Replies: 8
Views: 792

Re: Personal Capital's asset allocation - Is the tool worth the complication?

Hey everyone, I'm sure this has been posted here before, and for that I apologize, but I wasn't able to find any useful results using the search bar (I tried, I promise!) I love Personal capital for monitoring my AA across all my accounts, the retirement planner tool, and looking at cash flow. I am...
by CyclingDuo
Fri May 19, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 7438

Re: Which Small SUV for 15 Year Reliability?

My caveat is that the notion of keeping a car for 15 years may no longer be feasible for those who put a high value on safety. (Some people may also put a high value on creature comforts, "infotainment" and other such "toys." I'm not one of them but I don't try to put down those...
by CyclingDuo
Fri May 19, 2017 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Annual house maintenance costs
Replies: 25
Views: 1538

Re: Annual house maintenance costs

Good day, Bogleheads! I read somewhere that it's smart to save 1-2% of the value of your house each year to put aside for maintenance costs - new lawn mower, fixing siding, driveway patching, etc. General maintenance costs. So, a house valued at $350k = $3,500-7,000/year. Curious what people here (...
by CyclingDuo
Fri May 19, 2017 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 6715

Re: Anyone else agree with my logic on silicon valley housing?

I'm an engineer living in silicon valley, and I am pretty sure I'm going to exit within the next year, to somewhere like Austin, Texas or something. I came to the revelation that I need to live SV when I realized that, as long as I am comfortable financially, lifestyle is more important to me than ...
by CyclingDuo
Thu May 18, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 7438

Re: Which Small SUV for 15 Year Reliability?

The technology now changes very rapidly. It's likely a new model today will be obsolete in just a few years, especially with respect to important safety features. How much is that worth to you? This idea comes up here over and over lately so I want to challenge it: Why are cars obsolete in just a f...
by CyclingDuo
Thu May 18, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Cars: Expense or Asset?
Replies: 84
Views: 4447

Re: Cars: Expense or Asset?

We have many car threads: - Should I replace this car? - Should I buy a NEW car? - Should I buy a luxury car? - How to shop for a car? The responses seem to come from one of two perspectives: 1. The car is an expense (like rent, mortgage, utility bill...) 2. The car is a depreciating asset. (So don...
by CyclingDuo
Wed May 17, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 7438

Re: Which Small SUV for 15 Year Reliability?

I would like to buy a new 2017 or 2018 small SUV, and keep it until the year 2030 and beyond. I recognize that some repairs will be required to keep a car running this long, but I'd like to minimize expensive repairs, and I certainly don't want to be regularly stranded on the side of the road as th...
by CyclingDuo
Wed May 17, 2017 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 33961

Re: Time to reach 1M and 2M milestones

inbox788 wrote:What percentage of doctors make $1M income in the 7 years after medical school, let alone savings or net worth.


Depends on what they were invested in during that time frame in terms of the savings from their income growing.
by CyclingDuo
Tue May 16, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: 403/457 Advice and Investment Check-Up Please
Replies: 8
Views: 432

Re: 403/457 Advice and Investment Check-Up Please

Hello all! I have some questions regarding 403b/457b options with employer (and ROTH) options. I recently met with plan-administrator advisor (eh, it was free) and while I did get some good information regarding the plan/custodial details I’m not sold on the account selection advice I was given. It...
by CyclingDuo
Tue May 16, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 33961

Re: Time to reach 1M and 2M milestones

There appears to be a lot of variation in what defines a million dollar networth. At age 55 I have 850K in equitable assets as a single guy, Short of the 1M milestone but how does that compare to a couple who claim to be worth 1.5M. If I get married to my GF who has few hundred K does that place me...
by CyclingDuo
Mon May 15, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Individual Stock - Apple & Pharmaceutical
Replies: 22
Views: 1690

Re: Individual Stock - Apple & Pharmaceutical

I want to keep this question short. Me: $300 taxable account, $220K tax deferred accounts I put away 54K tax deferred, and 50K taxable account. I make 360K a year. Wife is a homemaker. Here is the issue. Her dad still alive leaves her a $340K taxable mostly Vanguard held portfolio with Vanguard fun...
by CyclingDuo
Mon May 15, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 49
Views: 4437

Re: Tipping for restaurants where you order at the counter

I've noticed three main types of restaurants where you order at the counter. In all, you pay in advance and you are prompted to enter a tip amount: 1. You pick up your food at the counter, then you clean up after yourself and put your dishes by the trash can, like at Panera. 2. They bring the food ...
by CyclingDuo
Mon May 15, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7122

Re: How do Bogleheads buy cars?

I would rather buy Total Market Index Fund from Vanguard than an expensive car so I have bought 2 Ford Fusions and 1 Silverado work Truck for my current 3 vehicles. I have never had a car payment other than for 3 months when Ford knocked 1000 off one of my Fusions if I would finance it. I'm sure yo...
by CyclingDuo
Tue May 09, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 5932

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

I shall now prove conclusively, through dispassionate cold emotionless reasoning, the superiority of passive investing. This is tough stuff, but it's a tough world. Excellent! :sharebeer Why can't we "like" or recommend posts here at BH!!! I'll credit Gundlach for at least being aware tha...
by CyclingDuo
Tue May 09, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3177

Re: First 100 mile bike ride

Thanks all for the advice. The ride is a well supported. There are 6 designated rest stops along the way. I'm 37 and in reasonably good shape. I don't carry a lot of weight on me so hill climbs are not too scary. But 100 feet per mile over 100 miles is a entirely new challenge. There is a 0.4 mile,...
by CyclingDuo
Tue May 09, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: 2 403b Diversification Questions
Replies: 3
Views: 267

Re: 2 403b Diversification Questions

I set up my 403b five years ago very late in life (age 38), and have been contributing what little amount I can (I'm a teacher) month by month since. About 15 months ago my set up with aspire dropped ETF's, and so I had to switch to funds. I ended up settling on 7 funds, and have eschewed bonds due...
by CyclingDuo
Sun May 07, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3177

Re: First 100 mile bike ride

Getting ready to do my first 100 mile bike ride in a month. This one also has 10k feet of climbing. I avg about 75 miles each week between commute and a weekend ride. Any tips for a first timer from those who have done it already? You've got a month until the ride, and sounds like a nice base built...
by CyclingDuo
Sat May 06, 2017 7:55 am
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18078

Re: Why save so much for when you're old?

Hi, I'm 24 yrs old and almost one year into my actuarial career (first real job). I expect to make good money in the future and have started investing since I was hired. My question is why is saving a lot for retirement so important? I get that we need money for when we're retired and no longer hav...
by CyclingDuo
Sat May 06, 2017 4:33 am
Forum: Investing - Theory, News & General
Topic: Are we all forgetting our taxable accounts?
Replies: 79
Views: 9650

Re: Are we all forgetting our taxable accounts?

Hmm, I haven't forgotten my taxable account. In fact, 66% of my retirement savings goes to a taxable account. I max out my 401k. I'm ineligible for an IRA and then 20% of my AGI goes into a taxable account. I wish there was a way to avoid paying taxes on that savings, but I don't know what else to ...
by CyclingDuo
Fri May 05, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: 403b vs 457
Replies: 42
Views: 2201

Re: 403b vs 457

So it sounds like this is fully taxable income, just you have to pay the taxes either quarterly (safest approach) or when April 15th rolls around (but be careful that you don't owe penalties due to not paying enough quarterly). You can only contribute to a 403(b) or 457(b) through payroll deduction...
by CyclingDuo
Fri May 05, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 17113

Re: Buying a luxury car (how dumb would it be to do this?)

The sky is not falling on the auto industry, and focusing on lease returns is a red herring. The real source of new car buying are those older 11.6+ year old cars that are being junked as well as new/more drivers. The post was made more in interest of the lease fleet that will be for sale in the us...
by CyclingDuo
Fri May 05, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance
Replies: 37
Views: 3412

Re: What to do with inheritance

2) If you have any retirement options available (401k, IRA) begin funding them now. I don't think there are any 'lump sum' things available, but you can certainly put the full amount towards an IRA for each of you (which one depends on tax bracket...) and increasing a 401k to the max this year and ...
by CyclingDuo
Fri May 05, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: UGMA/UTMA/529 for newborn
Replies: 23
Views: 2657

Re: UGMA/UTMA/529 for newborn

Hello. I am new to this website and I know this is an old thread. Bear with me.... I have four children and all of them have UTMA accounts with appreciated funds. I know three of them won't be earning W2 money this year so I sold enough shared to have less than $2100 in unearned income (Qualified D...
by CyclingDuo
Fri May 05, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 17113

Re: Buying a luxury car (how dumb would it be to do this?)

3 Million leased cars will come off their leases this year alone in the US.
4.1 Million next year.

Used car prices, and new car inventory negotiations will turn in favor of the consumer for those that can wait. :dollar :moneybag :dollar :greedy
by CyclingDuo
Thu May 04, 2017 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 17113

Re: Buying a luxury car (how dumb would it be to do this?)

I’m a long time lurker on this forum, and I finally signed up to post a question about buying a car. Apologies, I know there are a lot of these threads, and I’ve probably read every single one. Basically, I’m considering buying a new BMW X5 ($55-65K). This would be to replace a 13 year old toyota r...
by CyclingDuo
Thu May 04, 2017 3:29 am
Forum: Investing - Help with Personal Investments
Topic: 403b vs 457
Replies: 42
Views: 2201

Re: 403b vs 457

Hi all, I'm a teacher in Western New York and I'm completely overwhelmed by the sheer number of options/facets with 403b's. I'm also cross-posting this in 403bwise just to get the most info out there. I'd like to start putting away some money to supplement my pension for retirement, however, I also...
by CyclingDuo
Wed May 03, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 12182

Re: Cost of car compared to Gross Income

When I bought my car, it was over 60% of my income at the time. And it was for a average-spec Prius, not a luxury car. I suspect the majority of people I know did the exact same thing, contrary to all the "10%-15%" figures being thrown about above like it's average. I am also highly skept...
by CyclingDuo
Wed May 03, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: using smartphone overseas travel
Replies: 10
Views: 898

Re: using smartphone overseas travel

My wife and I are heading to Europe for 2 weeks, and I need some advice about whether or not to use our cell phones. We use Sprint and both have the iphone5 model. I think the overseas plans seem to be complicated and I'm trying to avoid using them. We don't see much of a need to make or receive ca...
by CyclingDuo
Tue May 02, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 213
Views: 17912

Re: Where to Live on $60K or Less a Year?

Thanks to everyone who has responded. You have provided many possibilities for my wife and I to consider. Thank you. Forget Brookings, SD. However, out in Rapid City, SD or anywhere on the leeward side of the Black Hills would be ideal for most things you list in your "wish list". No stat...
by CyclingDuo
Tue May 02, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Need some help in picking between Fidelity's international index funds
Replies: 22
Views: 1131

Re: Need some help in picking between Fidelity's international index funds

Hi all, I'm starting to invest for retirement with Fidelity (I have an IRA with them) and am going the route of a three-fund portfolio, with a proposed asset allocation (for now) of 45/30/25 in US equity/international equity/bonds. As I'm currently in my late 20s, I plan on shifting to a more aggre...
by CyclingDuo
Tue May 02, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 12182

Re: Cost of car compared to Gross Income

Being thrifty to a certain extent is good but not everyone wants to look like a peasant. While I agree, your language is pretty offensive . Why shouldn't someone who is successful drive a non-luxury vehicle? Do I "look like a peasant" because I walk to work (and pretty much everywhere els...
by CyclingDuo
Tue May 02, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 6928

Re: Does Retirement Planning impact your job performance?

I have a good family, small group of excellent friends, No exercise, Starting to eat better. Besides the job, I have had personal situation with my dad having alzheimers. Had to help mom and I did a lot of planning for the situation where mom didn't have money gor living. My dad died in December, m...
by CyclingDuo
Tue May 02, 2017 6:21 am
Forum: Personal Consumer Issues
Topic: Ameriprise Investment Suggestions
Replies: 10
Views: 810

Re: Ameriprise Investment Suggestions

Hello, I am new to this forum, and to becoming a "Boglehead". My husband and I met with a financial advisor with Ameriprise. We own a small business, and while we have real estate investments, knew we should do more for our retirement. We set up a meeting and prior to our planning meeting...
by CyclingDuo
Tue May 02, 2017 5:54 am
Forum: Investing - Help with Personal Investments
Topic: If you had 30,000 dollars to invest in your future, how would you do it?
Replies: 49
Views: 4985

Re: If you had 30,000 dollars to invest in your future, how would you do it?

Hey Bogleheads!Let me cut to the chase. I am 19 years old. I have worked 40 hour weeks since the day I turned 16. Alongside this income, I have flipped a few cars and flipped items on craigslist/ebay as well. I have managed to save just about 30k of disposable income. Yes, i have 6 to 12 months of ...

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