Search found 130 matches

by JV
Mon May 22, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my ESPP
Replies: 19
Views: 1406

Re: Thoughts on my ESPP

Yikes. I called my ESPP provider and it turns out there is no "look back" period, meaning they don't use the lowest price at designated periods of the contribution period. The stock price is simply the price on the final day of the contribution period. So there is no chance of a further di...
by JV
Mon May 22, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my ESPP
Replies: 19
Views: 1406

Re: Thoughts on my ESPP

I appreciate everyone's diverse responses. I admit to still being on the fence with this. I understand both sides, but now need to make a decision. To cover all bases I'm calling Fidelity to ensure I have the plan details exactly right. If I do this, it won't be to the max, maybe up to $5k or so.
by JV
Sun May 21, 2017 3:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Average age of a Boglehead
Replies: 18
Views: 1430

Re: Average age of a Boglehead

Age 44
by JV
Fri May 19, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my ESPP
Replies: 19
Views: 1406

Re: Thoughts on my ESPP

I'm a little confused by your explanation. The holding period is six months after purchase, but the purchase is made six months after the contribution? Sorry. So open enrollment is now. The contribution period runs from 7/1 - 12/31, meaning I fund an account via my paycheck for 6 months. On 12/31 (...
by JV
Fri May 19, 2017 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my ESPP
Replies: 19
Views: 1406

Re: Thoughts on my ESPP

You have to decide if you're ok holding a stock for 6 months. I've been in a company where in less than 6 months, stock has gone from $48 to $12, so I would personally pass. It's something I'm not entirely comfortable with, but if I had a solid shot at a decent return I'd consider it. In the end, t...
by JV
Thu May 18, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my ESPP
Replies: 19
Views: 1406

Thoughts on my ESPP

The open enrollment period has begun for my company's ESPP. To date I've been a Boglehead and avoided individual stocks, so quite honestly I blew off this opportunity for the last couple of years. But I figured I'd take a second look and ask for everyone's thoughts: The plan takes funds for a 6-mont...
by JV
Tue Nov 01, 2016 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Any NYS Teachers with 403B?
Replies: 24
Views: 1777

Re: Any NYS Teachers with 403B?

My wife works for a district in NYS and goes through Omni as well. Luckily we originally had Vanguard as an option, but recently the district removed Vanguard as the level of participation with them was low ( :oops: ). I fought to retain my wife's participation with Vanguard, so luckily we're grandf...
by JV
Sat Jun 04, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Anybody successfully start writing fiction for pay as a side income?
Replies: 25
Views: 3265

Re: Anybody successfully start writing fiction for pay as a side income?

As someone who has self-published a nonfiction book, 2 novels, a novella, and several short stories, I can comment firsthand and tell you one thing: don't do this to make money, do it because you love it and "can't not do it." If you decide to 'try writing fiction' to make money, I'd estim...
by JV
Thu Feb 04, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 137
Views: 12966

Re: Sibling's destination wedding?

I was in this very situation, and am now going on 2 years that my brother has not spoken to me because my wife and I chose not to attend. But I wouldn't change a thing and would make the same decision again, regardless of the consequences. That's how comfortable you have to feel about this decision,...
by JV
Thu Nov 05, 2015 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Use HELOC for Non-Contingent Home Downpayment?
Replies: 1
Views: 268

Use HELOC for Non-Contingent Home Downpayment?

The wifey and I may move within our region to another suburb with a better school district and the opportunity to be in a subdivision vs the country. My home is currently paid off (~ $300k value), and I have a $25 HELOC available to me right now. To my knowledge, it's generally easier to purchase a ...
by JV
Thu Jul 16, 2015 11:20 am
Forum: Personal Consumer Issues
Topic: '13 Kia Sorento vs '15 Toyota Highlander
Replies: 19
Views: 2049

Re: '13 Kia Sorento vs '15 Toyota Highlander

Thank you all for your replies thus far. I agree, it does seem apples-to-oranges comparing a $25k used Sorento to a new Highlander, but those are our options right now. We can find used Toyota's in the 2013 range, but they are still expensive, and we often can't find the color/trim level we desire, ...
by JV
Wed Jul 15, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: '13 Kia Sorento vs '15 Toyota Highlander
Replies: 19
Views: 2049

Re: '13 Kia Sorento vs '15 Toyota Highlander

Dutch wrote:That said: $25,000 for a 2013 KIA Sorento seems high.

The KBB and NADA sites support the 25k price for the Kia. It is an SX Limited model, their best trim level with every option you can think of.
by JV
Wed Jul 15, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: '13 Kia Sorento vs '15 Toyota Highlander
Replies: 19
Views: 2049

'13 Kia Sorento vs '15 Toyota Highlander

My wife & I are in the market for a 3-row vehicle, which we plan on keeping for 8-12 yrs. We're big believers in buying slightly used cars, but are running into difficulty. We both believe that if we're spending $30k or so on a car, we shouldn't settle. We've looked at the Ford Edge and Nissan P...
by JV
Mon Mar 30, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 16407

Re: Hate where we live, do we make major changes?

the basher, I'm from Long Island myself. That's how I ended up in my situation in Western NY. We decided up here was the better place to start our lives, as we had no careers or $$, so to start in a HCOL area like LI would have been doubly difficult. Good luck on your move. I agree, winters blow...
by JV
Sun Mar 29, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 16407

Re: Hate where we live, do we make major changes?

Ikowik, I have no problem with the people here. They are very nice and helpful, and I've made good friends. This is primarily about climate and how it severely limits us based on our personal preferences. The facts are that this place is truly dreary, data bears that out very recently. Some love it ...
by JV
Sun Mar 29, 2015 2:21 pm
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 16407

Re: Hate where we live, do we make major changes?

I can't thank you all enough for the varied perspectives. Let me clear up a few things. I live in Western NY (I'm not sure where "upper" came from, my bad). Cold weather rolls in by late Oct, and doesn't roll out until April, on average. Right now there's still snow on the ground, the wind...
by JV
Sun Mar 29, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 16407

Re: Hate where we live, do we make major changes?

I also wonder, if we are considering pulling the trigger on this within 1-2 years, if I should back off maxing her 403b so I can add to my liquidity to cover moving expenses, new home downpayment, etc.
by JV
Sun Mar 29, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 16407

Re: Hate where we live, do we make major changes?

I actually had a headhunter call me about a job opp. in Maitland, Fl. I think FL is going from one extreme to the other for us. We looked at the temp there last week and it was 88...in March...yikes. I live in an area that was found to be the "most dreary" and tied Seattle for that honor, ...
by JV
Sun Mar 29, 2015 10:40 am
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 16407

Re: Hate where we live, do we make major changes?

Thanks for your heartfelt replies. I posted here to get some different perspectives on my situation. I don't have many folks I can run this by, especially our small family up here. It's difficult to walk away from a pension (we'd be able to collect a partial depending on when she quits), and leaving...
by JV
Sun Mar 29, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 16407

Hate where we live, do we make major changes?

My wife & I hate where we live (upper NY), which obviously impacts our qualify of life. But financially we are golden: I make great $ working from home, she makes good $ with a max pension after 30 yrs, we max our 401k/403b/Roth and we have a nice nut saved (we're in early 40s). After 20 yrs of ...
by JV
Sat Mar 21, 2015 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Should I get more aggressive with Taxable?
Replies: 7
Views: 1510

Re: Should I get more aggressive with Taxable?

Siamond, I appreciate you taking the time to respond, but I somewhat disagree. If I have zero taxable right now, and I know I need to build that up a bit to have $$ to combine with the Roth as liquidity for early 50s to 59.5, and I know I am only 9 years out from needing it, why would I be as aggres...
by JV
Sat Mar 21, 2015 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Should I get more aggressive with Taxable?
Replies: 7
Views: 1510

Re: Should I get more aggressive with Taxable?

The 401k/403b is untouchable in my eyes. Yes, I could do the 72t thing, but I'd prefer to rely on Roth/taxable for early retirement. I have thought about being a bit more aggressive on the 401k side, especially if I'm going to be a bit more conservative than normal via the taxable. Both Roths are in...
by JV
Sat Mar 21, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I get more aggressive with Taxable?
Replies: 7
Views: 1510

Should I get more aggressive with Taxable?

My wife & I have long dreamed of retiring early, or at least departing our jobs and doing "something else." We both hate our jobs and the area we live in, but due to the presence of family and solid salaries, plus kids, we decided to remain here for a time and "milk the cow" ...
by JV
Sat Feb 07, 2015 9:51 am
Forum: Personal Finance (Not Investing)
Topic: The Emergency Fund Revisited
Replies: 20
Views: 3520

Re: The Emergency Fund Revisited

For me, the need for an emergency fund is not as high as others, as my wife has a stable job in education to back us up in case my corporate goes down down the crapper. I view my Roth IRA - of which contributions are liquid - as my emergency fund, plus I have a HELOC I'd tap first before the Roth if...
by JV
Wed Jan 07, 2015 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3932

Re: 50/50 simplicity

I'm 42, and have been at 50/50 for some time now. I've let my portfolio get to 55/45 s/b over the last few years and haven't rebalanced, but will eventually. There's absolutely nothing wrong with 50/50, or 60/40, 80/10, or 100/0 for that matter. It's a personal choice. I have a solid job, my wife wi...
by JV
Thu Sep 11, 2014 2:19 pm
Forum: Personal Consumer Issues
Topic: Jacuzzi Thoughts
Replies: 7
Views: 687

Re: Jacuzzi Thoughts

I purchased a small Sundance hot tub in 2008, and it has by far one of the best purchases I've ever made. I am active and in my 40s, and this tub has helped me recoup from injuries, provided relaxing nights outside under the stars, and served as a sanctuary from the craziness of a household with a c...
by JV
Wed Jul 30, 2014 12:04 pm
Forum: Personal Consumer Issues
Topic: Dilemma: Get more fuel-efficient car now, or wait?
Replies: 16
Views: 1683

Re: Dilemma: Get more fuel-efficient car now, or wait?

Well, sure, gas costs definitely matter, but only if it makes sense to financially make a change. I've driven a Prius, and - no offense if you or anyone reading this has one - but I can't say it thrilled me. But to your point, yes, if I truly wanted to save $$ and minimize up front costs to do so, I...
by JV
Wed Jul 30, 2014 10:40 am
Forum: Personal Consumer Issues
Topic: Dilemma: Get more fuel-efficient car now, or wait?
Replies: 16
Views: 1683

Re: Dilemma: Get more fuel-efficient car now, or wait?

I appreciate everyone's input thus far. I've looked into upgrading the tech in the Lexus, and it isn't much of an option as it is older and the radio is built into the dash with minimal ways to reconfigure it (I've researched this online and called a radio dealer as well). And the fuel cost savings ...
by JV
Tue Jul 29, 2014 5:18 pm
Forum: Personal Consumer Issues
Topic: Dilemma: Get more fuel-efficient car now, or wait?
Replies: 16
Views: 1683

Dilemma: Get more fuel-efficient car now, or wait?

My wife and I buy slightly used cars and keep them for at least 10-12 years, feeling that is the smartest move financially (at least for us). We have an '08 Buick Enclave (hers) and an '04 Lexus ES330 (mine). I now work from home, and she commutes 25 miles each day to work with the Enclave. That is ...
by JV
Fri May 23, 2014 6:53 am
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 34711

Re: declining job due to travel

We are in a similar situation child and career-wise, as well as hating travel. I hit 40, was making nice coin and am on track for a solid early retirement provided tragedy doesn't strike, and felt advancing just wasn't worth it any longer. If this is truly a promotional opportunity and not a message...
by JV
Mon May 19, 2014 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Revisited
Replies: 24
Views: 2353

Re: Emergency Fund Revisited

The definition of "emergency" and "fund" is different for many of us. I've always been a believer that money should be as deployed as possible, meaning invested for at least "some" return. Personally, I couldn't stomach the thought of 6 months worth of expenses sitting ...
by JV
Sun May 18, 2014 8:04 pm
Forum: Investing - Theory, News & General
Topic: Taxable Investing - better with large chunks?
Replies: 8
Views: 1222

Re: Taxable Investing - better with large chunks?

No worries about transaction costs. The funds I invest in are all Vanguard mutual funds appropriate for a taxable account (either munis or equity index funds).
by JV
Sun May 18, 2014 9:24 am
Forum: Investing - Theory, News & General
Topic: Taxable Investing - better with large chunks?
Replies: 8
Views: 1222

Taxable Investing - better with large chunks?

Typically, when I save money, I invest what I can when I can, meaning as soon as any extra money is available, regardless of how small the amount. However, for the purposes of taxable investing and tax-loss harvesting (TLH), would it be smarter to wait until I have larger chunks of money to invest, ...
by JV
Thu May 08, 2014 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is 6 months of savings needed?
Replies: 33
Views: 4587

Re: Is 6 months of savings needed?

It's difficult to give a blanket answer to this question because it's an intensely personal opinion, and everyone's situation is different. Some of us have jobs that are extremely safe, some work on commission and get paid quarterly, some of us are unemployed. The word "needed" is obviousl...
by JV
Thu Mar 27, 2014 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 13695

Re: Savers remorse ?

I see it like this. I have decided how much money I need to save each month/year to meet my goals and slightly exceed my goals with conservative expectations. Everything left over is to enjoy life today. If I am lucky and have been too conservative I will get to retire early. I still try not to was...
by JV
Tue Mar 25, 2014 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 13695

Re: Savers remorse ?

I think all of us Bogleheads are hard core to a degree, or else we wouldn't be sharing the success stories we all see on this forum so regularly. I didn't mean to overdramatize it, but I've always been very frugal, and a careful analyzer. As for the tablet, I have an original Kindle Fire (1st gen.),...
by JV
Tue Mar 25, 2014 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 13695

Re: Savers remorse ?

The timing of this excellent thread is prescient, as I've been struggling with this concept for a few months now, longer even. I started saving very early, and have continued to do so, but as I get somewhat closer to retirement (I'm 41, planning on retiring at 55), the stress has started increasing,...
by JV
Mon Mar 17, 2014 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Writing my 1st book: Financial tips please.
Replies: 16
Views: 2196

Re: Writing my 1st book: Financial tips please.

Gauss, I am a self-published author of short stories and two (soon to be three) novels. As much as I love this forum, this is probably not the best place to go for advice. Your best bet is to go to the Writers Cafe at the Kindleboards (just Google that), or other writing forums, like Absolute Write....
by JV
Sun Mar 16, 2014 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Is the foreign tax credit worth it?
Replies: 17
Views: 1906

Re: Is the foreign tax credit worth it?

This is one possibility. Alternatively, you can add Extended Market Index or Small-Cap Index to complement your US stock holdings (in your IRA or taxable account; either of these is OK in taxable), and keep Spartan 500 Index. You can still have a 3-fund portfolio strategy even if you have more than...
by JV
Sun Mar 16, 2014 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Is the foreign tax credit worth it?
Replies: 17
Views: 1906

Re: Is the foreign tax credit worth it?

Great points, David. My 401(k) is with Fidelity (by the gods, I wish it were with Vanguard, as that is where I have everything else), and I have the Spartan ex-US Global Index available at a 0.23 exp. ratio. Buy I don't have a Total Stock Index available, believe it or not, only the Spartan 500 Inde...
by JV
Sun Mar 16, 2014 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is the foreign tax credit worth it?
Replies: 17
Views: 1906

Re: Is the foreign tax credit worth it?

Thank you all for the info. Wow, a $40k position in Int'l and only a $67 foreign tax credit? Interesting.

By no means is that a reason NOT to use Int'l in taxable over Total Stock, but I wanted to ensure it wasn't a major credit that I was overlooking or something.
by JV
Sun Mar 16, 2014 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is the foreign tax credit worth it?
Replies: 17
Views: 1906

Is the foreign tax credit worth it?

I'm considering wading into taxable investing and going between the Total Stock Index or Total Int'l Stock Index to start. I've read a few threads here where it is recommended that the Int'l Index be used in taxable so the Foreign Tax Credit can be claimed. Is there a way to determine how much this ...
by JV
Fri Mar 07, 2014 8:09 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1808
Views: 1021393

Re: The Three Fund Portfolio

I am happy to report I am now a proud 3-Funder. I've had a modified slice and dice for some time now, but was way overweighted in small caps, and decided to simplify. The only thing I'm keeping "separate" from the 3-Fund is the Wellesley, which is for my Roth IRAs (I've had 2 Roths maxed o...
by JV
Wed Mar 05, 2014 8:56 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 499
Views: 198103

Re: TV show recommendations?

HANNIBAL!!!! Seriously it is an incredible show. Season one is on Amazon Prime. Season two just started last Friday. Is this based on the movie with Anthony Hopkins? Yes, it is. The series predates Red Dragon, where Will Graham (the Edward Norton character from Red Dragon) is an FBI profiler who is...
by JV
Wed Mar 05, 2014 3:03 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 499
Views: 198103

Re: TV show recommendations?

HANNIBAL!!!!

Seriously it is an incredible show. Season one is on Amazon Prime. Season two just started last Friday.
by JV
Wed Mar 05, 2014 2:59 pm
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 6930

Re: How Many Funds Do You Have in Taxable?

One (Prime MM) for a small emergency fund. I'm in the process of maxing tax-deferred and paying my mortgage by 2015 or 2016, so taxable investing is not in the cards for me right now. I was thinking about starting taxable early, but decided against it. When the home is paid, then I'll probably start...
by JV
Wed Mar 05, 2014 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Your stock/bond mix for those ~20 yrs from retirement
Replies: 42
Views: 3963

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

I'm 41 and targeting early retirement at 55. I have a 50/50 allocation, and have for about 3 years now. I am very comfortable with it. I am lucky to be in a position where I got a very early start on saving, and my wife has a pension to look forward to, so I do not feel the need to be overly aggress...
by JV
Tue Mar 04, 2014 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Is there a best way to prepare for the expense of college?
Replies: 31
Views: 2186

Re: Is there a best way to prepare for the expense of colleg

I hear you, Grt2bOutdoors, and thank you. I probably worded my question incorrectly, but your response was helpful. I'm as frugal as they come, so no $300 diners for me! I've been doing so much research lately that I am getting paralysis by analysis and lost in the fog of data. In the end, I just wa...
by JV
Tue Mar 04, 2014 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Is there a best way to prepare for the expense of college?
Replies: 31
Views: 2186

Re: Is there a best way to prepare for the expense of colleg

Thanks to you both. Very helpful. When it comes to assets outside of tax-deferred, would it make sense to intentionally limit their amount (in essence, "shielding them") or am I focusing on them too closely?

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