Search found 22 matches

by Monkeyarms
Sun Aug 28, 2016 5:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Vancouver,WA Bogleheads meet up
Replies: 4
Views: 398

Re: Vancouver,WA Bogleheads meet up

I apologize for not updating the post in a timely manner,my family has suffered something of a personal tragedy this month and my energies have been focused on steering everyone through it. I will be unable to coordinate/host a Vancouver get together. I apologize to anyone who was looking forward to...
by Monkeyarms
Thu Aug 11, 2016 3:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Vancouver,WA Bogleheads meet up
Replies: 4
Views: 398

Vancouver,WA Bogleheads meet up

Ladies, Gents and all those in between, In a previous post about the livability of the Vancouver/Camas area, the idea to have a meet up for local members was floated. So on September 10th there will be a brunch meet and greet event for any Bogleheads who want to stop by and see what the user names r...
by Monkeyarms
Sat Aug 06, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 55
Views: 2709

Re: Work in Vancouver, WA..possibly live in Camas?

Given my recent (3<x<4) attainment of American citizenship I apologize for not remembering the 3rd is Labor Day and have been reminded via several PM's of this fact. I'll put up a general post later today to see if more Vancouver/Camas Bogleheads who did not read this thread are interested and will ...
by Monkeyarms
Sat Aug 06, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 55
Views: 2709

Re: Work in Vancouver, WA..possibly live in Camas?

September 3rd, 10th and 17th are good dates, respond with which of these would work for a mid morning coffee meet up in downtown Vancouver. My sincerest apologies kdl for slightly co-opting your thread.
by Monkeyarms
Sat Aug 06, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 55
Views: 2709

Re: Work in Vancouver, WA..possibly live in Camas?

I seem to have found myself in the role of organizer which is what I get for opening my big mouth :D I'll reach out to Texasdiver and shoot for a September Saturday mid morning coffee meet and greet in downtown Vancouver. If this works for both of you (Isabelle77 and letsgobobby) and hopefully Texas...
by Monkeyarms
Sat Aug 06, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 55
Views: 2709

Re: Work in Vancouver, WA..possibly live in Camas?

Great! Should kdl accept the job that would make 3, letsgobobby would you like to make this a quartet? :happy
by Monkeyarms
Sat Aug 06, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 55
Views: 2709

Re: Work in Vancouver, WA..possibly live in Camas?

At the risk of hijacking the topic but it seems to me that we have developed a critical mass of people living in the Vancouver area. Would the idea of dinner or coffee once a year for the Vancouver Boglehead contingent be far fetched? Driving to Portland seems a little extraneous when we have at lea...
by Monkeyarms
Wed Apr 20, 2016 12:23 am
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 11658

Re: When was the most stressful financial time in your life?

Especially from folks like monkeyarms we need more lessons of what got them through... My apologies if it seems trite or hackneyed but my philosophy during that time was to stay alive and engaged long enough for circumstances to change. I could not see the possible outcome but I knew that much like...
by Monkeyarms
Sun Apr 17, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 4087

Re: Meeting with a Fidelity Financial planner, is it useful?

If you know enough to post here chances are you know more than the rep does. An unsolicited call generally means you are going to pay for something, so ask yourself did you need what they had to offer before they called? If no then no if yes then listen.
by Monkeyarms
Sun Apr 17, 2016 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Divorced dad, trying to regroup
Replies: 19
Views: 2980

Re: Divorced dad, trying to regroup

Its probably still fresh but allow yourself to consider when/if you start dating again you might incur additional transaction costs in selling your place because it is not suitable to the new lady. Rent, save and leave yourself open to future possibilities. Wish you the best in everything moving for...
by Monkeyarms
Sun Apr 17, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason not to invest in Roth IRA vs Taxable ?
Replies: 7
Views: 1219

Re: Any reason not to invest in Roth IRA vs Taxable ?

Just my opinion but try to treat the Roth as a permanent-dont-touch account as opposed to being aware of the contribution withdrawal rule. Taxable for future college costs has its appeals in the sense that you can gift appreciated shares to the children and they get taxed at 0%. Also if you simple b...
by Monkeyarms
Sun Apr 17, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Goodbye College Loan!
Replies: 12
Views: 1069

Re: Goodbye College Loan!

Congrats! Try to turn the payment into a bill that must be paid. Something, something hedonic adaption. I hope to join you in two months.
by Monkeyarms
Sun Apr 17, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down low interest debt or carry it?
Replies: 6
Views: 596

Re: Pay down low interest debt or carry it?

This isn't really bad as far as debt goes. I would repay the student loan first. The car loan I would also repay after the student loan to get rid of it ..... +1 Somewhere in your plans you should also start saving up to pay cash for your next car. Once the car is paid off you can just save your &q...
by Monkeyarms
Sun Apr 17, 2016 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down low interest debt or carry it?
Replies: 6
Views: 596

Re: Pay down low interest debt or carry it?

If you keep the debt and the second child comes, are you still able to find retirement and have a good emergency fund? If so, I'd personally side with filling up your Roth space instead of paying down those loans. I wouldn't want to waste that space, especially if you are in the 15% bracket. I'm no...
by Monkeyarms
Sun Apr 17, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down low interest debt or carry it?
Replies: 6
Views: 596

Re: Pay down low interest debt or carry it?

This isn't really bad as far as debt goes. I would repay the student loan first. The car loan I would also repay after the student loan to get rid of it but many would say at 1.9% to just keep it. I'm of the opinion that i would rather pay off the debt and to free up another couple hundred monthly....
by Monkeyarms
Sun Apr 17, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down low interest debt or carry it?
Replies: 6
Views: 596

Pay down low interest debt or carry it?

Mid 30's couple and one 18 month old. Gross HHI = 110k Car: 10,400 @ 1.9 = 291/month Student loan: 5400 @ 3.14 = 150/month Mortgage: 107,300 @ 2.75 = 768/month I can spare $1000 a month to pay down the car and student loan debts, the reason being my wife and I are thinking about having a second chil...
by Monkeyarms
Sun Apr 17, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 11658

Re: When was the most stressful financial time in your life?

2006. International student far from home, lost source of tuition, roommates both lost jobs so we lost our housing, Grandfather passed away back home and I could not afford to go home and attend the funeral, had no family in the city I was attending college in. From January 2006 to May 2006 I have f...
by Monkeyarms
Tue Jul 16, 2013 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Put $3k in a Life Strategy Fund in a taxable account?
Replies: 16
Views: 1617

Re: Put $3k in a Life Strategy Fund in a taxable account?

VGTSX and VTSMX (Total International and Total Stock Market) would be good options for a taxable account.
by Monkeyarms
Tue Jul 16, 2013 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Put $3k in a Life Strategy Fund in a taxable account?
Replies: 16
Views: 1617

Re: Put $3k in a Life Strategy Fund in a taxable account?

Matti, They are not the best taxable option because not all the funds contained in them are tax efficient. You generally want to leave your bond funds in tax deferred or advantaged accounts and Life Strategy has two bond funds, International Bonds and Total Bond Market (If I'm not mistaken). You wan...
by Monkeyarms
Tue Jul 16, 2013 4:34 am
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 11384

Re: Cutting the cord on Cable

I called Comcast to drop my service. I was on hold for about 5 minutes when a woman answered the phone and asked for my number and the reason I was calling. I gave my number and told her I wanted to drop my service. She said I would receive a phone call before the end of the day. Well, 4 hours late...
by Monkeyarms
Tue Jul 16, 2013 4:21 am
Forum: Personal Finance (Not Investing)
Topic: Expenses as % of after tax monthly household income.
Replies: 7
Views: 1482

Re: Expenses as % of after tax monthly household income.

The information you have laid out is somewhat incomplete. If you have a high deductible health plan not only do you get to reduce your premiums but you might be able to save pre-tax income in a HSA. In addition most condo HOA tend to be external repairs not necessarily internal stuff so you still ne...
by Monkeyarms
Tue Jul 16, 2013 4:16 am
Forum: Personal Finance (Not Investing)
Topic: How do you get simple tax questions answered?
Replies: 12
Views: 825

Re: How do you get simple tax questions answered?

Be careful using Turbo Tax and other tax programs because they tend to not account for Alternative Minimum Taxes very well. Depending on the kind of business you have (Sole proprietorship, partnership, corporation) you might simply need to familiarize yourself with the necessary schedule that your a...

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