Search found 446 matches

by StormShadow
Tue Nov 22, 2016 12:56 am
Forum: Investing - Theory, News & General
Topic: DFA vs Vanguard (I know, I know)
Replies: 32
Views: 3382

Re: DFA vs Vanguard (I know, I know)

privatefarmer wrote:I know this has probably been discussed ad nauseam so please forgive me....

Simple answer: it doesn't matter.
by StormShadow
Sun Nov 20, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 7698

Re: Do you track your net worth? How long have you done so?

Not since buying the home. The thought of it is too depressing. :oops:
by StormShadow
Sat Nov 19, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: how much to save for retirement
Replies: 30
Views: 3701

Re: how much to save for retirement

yeah future physician - my second career and now trying to pick which specialty to go into. I will be 38-39 when I actually have a sizeable income ($200-300k depending on the field) and thus will have also $350k in loans. I'm just trying to play around with numbers and looking at monthly budget to ...
by StormShadow
Thu Nov 17, 2016 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Son has some cash to invest
Replies: 37
Views: 2291

Re: Son has some cash to invest

My 18-year old college freshman has about 6k that I've persuaded him to invest. IRAs are ruled out as we're planning to use this for his first house down payment or for a car in about 6 - 7 years. Since his college payments are taken care of (mostly from 529 funds), I have asked him to transfer the...
by StormShadow
Sat Nov 12, 2016 11:24 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 11114

Re: Anybody regretting holding on to your REITS?

Looks like VNQ is down substantially after a gradual decline the last few months. Any regrets, or holding on for the long haul? No regrets whatsoever. Overall, REITS have done well for me. Love the dividends. I plan to balance out my portfolio and add more REITS with my 2017 IRA contributions. As a...
by StormShadow
Sat Nov 12, 2016 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: target date with high ER vs index fund with low ER
Replies: 12
Views: 832

Re: target date with high ER vs index fund with low ER

hey guys, my 403b automatically enrolls us in Fidelity's target date fund 2055 (RHJTX) however when I looked at the ER, it was 0.6. All the other options had similar if not higher ERs. But the Fid 500 index pr (FUSVX) has an ER of 0.045. I'm young so I want to invest in the long term in riskier inv...
by StormShadow
Fri Nov 11, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Would you invest $80K right now?
Replies: 38
Views: 4872

Re: Would you invest $80K right now?

The tax cost for the quarterly dividends in Total Stock Market and Total International is trivial (about 0.1% of your investment); you expect to lose about as much in market returns by waiting a week to avoid the dividends as you do in taxes due on the dividends. This is assuming the market goes up...
by StormShadow
Thu Nov 10, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Would you invest $80K right now?
Replies: 38
Views: 4872

Re: Would you invest $80K right now?

Grt2bOutdoors wrote:Why dollar cost average in?

Because OP has been investing for less than a year, and DCA may prevent from freaking out and bailing if the market suddenly plummets.
by StormShadow
Thu Nov 10, 2016 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Would you invest $80K right now?
Replies: 38
Views: 4872

Re: Would you invest $80K right now?

It depends on your financial situation. Do you have immediate expenses? Do you have loans? Are you working with a 401k? Do you have your cash reserves set in place? Are you thinking of buying a home in the near future? Once you've figured out how much you plan to invest (as in, park it in one place ...
by StormShadow
Wed Nov 09, 2016 3:09 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 2500

Re: 1st time home buyer tips & strategy

My job is very secure and I took almost two years before finally buying our home. I have no regrets about taking my time with it. For me, I wanted the flexibility of being able to easily relocate in case a better job opportunity popped up. I'm curious as to when you got preapproved for your loan wi...
by StormShadow
Sun Nov 06, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 2500

Re: 1st time home buyer tips & strategy

We purchased our first home a few months ago. Some of my thoughts: My job is very secure and I took almost two years before finally buying our home. I have no regrets about taking my time with it. For me, I wanted the flexibility of being able to easily relocate in case a better job opportunity popp...
by StormShadow
Sun Oct 30, 2016 8:55 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 210
Views: 17243

Re: 2016 hedge fund contest

Please sell my LONG NFLX position at next closing please.

Halloween has been good for the online streaming services!

Thanks!
by StormShadow
Sun Oct 23, 2016 1:21 am
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 96
Views: 8744

Re: NY Times first in a series about 403(b)s with public K-12

Read through the beginning of the article, but didn't need to finish. High expense ratios/management fees are a problem with many 401k/403b plans. Most bogleheads already knows this. Its ironic that a lack of education (specifically financial literacy) is part of the problem. Makes me wonder why we ...
by StormShadow
Thu Oct 06, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Math problem
Replies: 17
Views: 1169

Re: Math problem

Maverick3320 wrote:Forever.

+1
by StormShadow
Tue Sep 27, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

Five wrote:Overall, looking at costs and quality are what I am interested in. Does it matter......Yale vs. Ohio State?

Yale vs. Ohio State... yes, it matters.
Michigan State/BU/UConn/[insert non-top 10 Ivy League school here] vs. Ohio State... no, it doesn't matter.
by StormShadow
Sat Sep 24, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Would you buy this house in a flood zone? HELP!
Replies: 63
Views: 3815

Re: Would you buy this house in a flood zone? HELP!

Boglemama wrote:We are looking at a house that is in a 100 year flood zone... The last time that this area flooded was 2009...
Would you buy such a house?

Nope.
by StormShadow
Sat Sep 24, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: When (or whether) to have a second child
Replies: 37
Views: 3994

Re: When (or whether) to have a second child

Hi All This seems the best forum for this thread. The issue of whether to have a second child is, for me, a financial one. Emotionally, my wife and I would like to have a second and our relationship is very solid and generally excellent. If we had a lot of money, we would easily have four or five c...
by StormShadow
Wed Jul 27, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 130
Views: 9077

Re: IWC Watch, any thoughts? [Wristwatch brand]

I talked to my buddy who has many high end watches and he said that this IWC is a great watch (he has one), but not ideal as a first watch. He recommended the first watch be a daily wear watch like a Rolex Submariner or the like. Not a big fan of Rolex, so I went looking for a nice chrono instead. ...
by StormShadow
Sat Jul 16, 2016 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 25560

Re: A car nicer than the boss?

sambb wrote:so what happened

He got an S class coupe 550.
by StormShadow
Sat Jul 16, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 7079

Re: Private vs State School?

Please don't shoot the messenger, but fwiw, Money magazine just released its 2016 "best value" college rankings. Methodology debates aside, it's interesting: http://new.money.com/money/best-colleges/rankings/best-colleges/ Yes it is interesting. Nice to see a school like Texas A&M ran...
by StormShadow
Thu Jul 14, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: 21 Yrs Old - Am I on the right track?
Replies: 53
Views: 3739

Re: 21 Yrs Old - Am I on the right track?

My advice: 1. Focus on your career and your long-term career goals. 2. Read up on the basics of investing the Boglehead way. https://www.bogleheads.org/wiki/Getting_started 3. I think the three fund portfolio is more than sufficient (detailed in the link above). 4. Minimize your debt. 5. Save what y...
by StormShadow
Tue Jul 12, 2016 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 7079

Re: Private vs State School?

My son attends a private college that cost 338% more than our state university. One year is now up to $65,000 vs $19,100 at the state school. We pay full amount...no scholarship or financial aid. Was this a very bad decision? We let him choose and now I wish we had not. What are the pros and cons o...
by StormShadow
Tue Jul 12, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: How much cash to give when invited to a wedding?
Replies: 81
Views: 6442

Re: How much cash to give when invited to a wedding?

If the bride and groom to be are requesting cash as their registry is quite small, then how much cash should I give? I am thinking $100 for family and best friends, $50 for everyone else. Is this too cheap or too much? I'm 30 and have something like 6 weddings I"m invited to this year and cost...
by StormShadow
Sun Jul 10, 2016 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Aggresively paying student loans vs saving for retirment
Replies: 34
Views: 2272

Re: Aggresively paying student loans vs saving for retirment

Would you borrow money at 6% to invest in the stock market? If not, pay down the loans early. This argument doesn't make sense to me and I don't see how it's applicable. It makes perfect sense. You have to compare the 6% student loan interest versus a guaranteed stock market return. you don't get a...
by StormShadow
Fri Jun 24, 2016 10:41 pm
Forum: Investing - Theory, News & General
Topic: Why You Should Question “Buy And Hold” Advice
Replies: 24
Views: 3871

Re: Why You Should Question “Buy And Hold” Advice

whodidntante wrote:Most people make terrible active management decisions. Own the market and you'll at least get market returns.

+1

Buy, hold and rebalance. Works for me! :beer
by StormShadow
Fri Jun 24, 2016 10:37 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 210
Views: 17243

Re: 2016 hedge fund contest

Please sell my position in SWHC (Smith and Wesson) and the next days closing. Gracias!
by StormShadow
Fri Jun 24, 2016 8:51 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Total International] ETF currently down 7.09% - Time to sell?
Replies: 39
Views: 4355

Re: [Vanguard Total International] ETF currently down 7.09% - Time to sell?

Be fearful when others are greedy, and be greedy when others are fearful.

- Warren Buffett

In other words: buy low, sell high.
by StormShadow
Sun Jun 19, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 130
Views: 9077

Re: IWC Watch, any thoughts?

You, sir, are an evil person (apologies if you're a ma'am). I have to go see one in person now. Wow. Just wow. I must have looked at hundreds if not thousands of different watches in person and online. Not one has even slightly interested me until you posted this one. I must find one. I just looked...
by StormShadow
Sat Jun 18, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 130
Views: 9077

Re: IWC Watch, any thoughts?

corn18 wrote:Ok, that Lange 1815 caught my eye. Just my style. Wish it were automatic.

Its available as an automatic. :beer

Image
by StormShadow
Sat Jun 18, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 130
Views: 9077

Re: IWC Watch, any thoughts?

I don't know anything about fine watches. This one costs a lot. Retail is $24,200. Standard AD discounted price is $18,995. Grey market is $15,850. I found a nice pre-owned for $14,500 that I might be able to get for a bit less. Questions: 1. Any input on IWC as a watch? 2. Any thoughts on new from...
by StormShadow
Sat Jun 18, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: Only buying during crashes - return?
Replies: 34
Views: 3407

Re: Only buying during crashes - return?

kosomoto wrote:Time for another rock-the-boat type of question. We all know we can't time the market since we need to be right twice, but is it easier to be right once?

Well, since you say it like that... maybe this time is somehow different?

No, I don't think so.
by StormShadow
Tue Jun 14, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 325
Views: 46261

Re: Frontline--The Retirement Gamble

Feedrack wrote:I am by no means an expert on back-testing portfolios, however I've watched Frontline's Retirement Gamble many times and some of the portfolio numbers people describe just don't seem to make sense.

What is your reason for bumping up a 3 year old thread?

[OT comment removed by admin LadyGeek]
by StormShadow
Tue Jun 14, 2016 9:04 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 210
Views: 17243

Re: 2016 hedge fund contest

4nursebee wrote:Storm, don't you mean buy to cover?

Umm, I guess? Lock it in?

I've never shorted a stock before. :mrgreen:
by StormShadow
Mon Jun 13, 2016 11:03 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 210
Views: 17243

Re: 2016 hedge fund contest

Hi Norbert, please sell my position in Best Buy (BBY).

Thanks!
by StormShadow
Sun Jun 12, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: The Most and Least Expensive Cars to Maintain
Replies: 40
Views: 4565

Re: The Most and Least Expensive Cars to Maintain

Interesting, Bugatti Veyron didn't make the list.

It costs roughly the price of a brand new Porsche 911 Turbo to maintain a Veyron... each year. :mrgreen:
by StormShadow
Thu Jun 02, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512820

Re: What Movie Have You Recently Watched?

Enter the Battlefield: Life on the Magic - The Gathering Pro Tour.

Documentary about professional magic the gathering card players. Narrated, of course, by the world's most famous nerd... Wil Wheaton. :mrgreen:

Enjoyed it! :thumbsup
by StormShadow
Tue May 31, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Rare Collector Coins?
Replies: 3
Views: 369

Re: Rare Collector Coins?

Does anybody have any or know somebody with some? What got you into it? Did you (or the person you know) ever view it as a hedge or an investment? My advice: if you like coins, stick with bullion and you (probably) won't get burned. I use Apmex. I admit I do enjoy buying a proof coin here and there...
by StormShadow
Fri May 27, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Do I want a house with a pool?
Replies: 96
Views: 7971

Re: Do I want a house with a pool?

JonnyDVM wrote:Additionally, we have a 9 month old.

Don't get a pool.
by StormShadow
Thu May 26, 2016 10:53 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 5674

Re: What was your first investment?

After reading up on stocks and mutual funds at the library... I started buying shares of Janus Worldwide managed by then rising star Helen Young Hayes. I was in college using money from a part time tutoring gig. She left a few years later. Worldwide tanked like everyone else during the dot-com bubbl...
by StormShadow
Wed May 25, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Which mortgage loan interest to pursue?
Replies: 15
Views: 1122

Re: Which mortgage loan interest to pursue?

Thanks everybody! ....3.375% interest rate, with 20% downpayment... That would be my plan and I would suspend or drastically reduce any savings that use after tax money (such as a Roth) and secondarily any 401, 457, IRA's until the emergency fund is rebuilt. I would go with the 20% down and lowest r...
by StormShadow
Wed May 25, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Which mortgage loan interest to pursue?
Replies: 15
Views: 1122

Re: Which mortgage loan interest to pursue?

Btw, can we deduct real estate taxes from federal/state income tax? Yes. Although in your bracket the mortgage interest deduction is probably phased out. Actually, after playing with Taxcaster I may have been mistaken. I'll let someone else more knowledgeable take this one. Edit: looks like propert...
by StormShadow
Tue May 24, 2016 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Which mortgage loan interest to pursue?
Replies: 15
Views: 1122

Re: Which mortgage loan interest to pursue?

Thanks for the quick replies! ... 1) Any near term cash expenditures likely? 2) Likelihood of "bad event"? 3) Planning on paying down mortgage faster? 4) Is it worth $1.5-$3K a year for the next 30 years for the added security of having cash on hand up front? 5) How long would it take you ...
by StormShadow
Tue May 24, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Which mortgage loan interest to pursue?
Replies: 15
Views: 1122

Which mortgage loan interest to pursue?

So, DW and I have found a house that we want to buy. Purchase price is $780k. We are locked in with a bank at 3.375% interest rate, with 20% downpayment (which is about $156k; borrowing $624k). As a physician, I'm eligible for a doctor's loans with only 5% down with a 3.75% interest rate or 10% down...
by StormShadow
Fri May 20, 2016 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 33
Views: 2583

Re: Suggestions /Advice for a fresh college graduate

We cringe when ever we hear/read about future prospects of a high school graduate, which I think he technically is at present unless he passes Spanish & gets the college BS diploma. ... So, yes he is out of home right after college but with an average/ below average start, still has to take &am...
by StormShadow
Fri May 20, 2016 8:39 am
Forum: Investing - Help with Personal Investments
Topic: New Physician Looking for Advice
Replies: 22
Views: 3268

Re: New Physician Looking for Advice

As a practicing physician, I think you are ignoring the elephant in the room... which is your student loans. I'd focus on this and make sure it doesn't spiral out of control. Obama has proposed capping PSLF benefits to $57.5k. Republicans have countered by trying to eliminate PSLF altogether. Read t...
by StormShadow
Sun May 08, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512820

Re: What Movie Have You Recently Watched?

Star Wars The Force Awakens.

"Meh" = my review.
by StormShadow
Sun May 08, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: What advice (about anything) would you give your 30-35 year old self?
Replies: 29
Views: 3663

Re: What advice (about anything) would you give your 30-35 year old self?

Buy the Rolex. Other than that, not much else.

Change this to my 20-25 year old self (or younger), I'd have a ton of advice... mostly along the lines of "hit the books just a little bit harder".
by StormShadow
Fri May 06, 2016 7:13 pm
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 144
Views: 19118

Re: Who else hates choosing a car?

Car shopping is fun for me. I test drove everything, which was a blast. I picked out a few models I liked the best, made a pro/con list for each, then picked the car that had the most pro's versus con's. Absolutely no regrets with my car choice.

House shopping... not so much fun.
by StormShadow
Mon May 02, 2016 8:02 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 210
Views: 17243

Re: 2016 hedge fund contest

Hi Norbert! Can you adjust my UA (Under Armour) to reflex the stock split on April 8, 2016?

My UA stock purchase on Jan 4, 2016 at 79.66 should therefore be changed to half of that at 39.83, correct?

Thanks! :mrgreen:
by StormShadow
Sun Apr 24, 2016 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: 27 yo looking at opening first investment account
Replies: 8
Views: 971

Re: 27 yo looking at opening first investment account

Welcome to bogleheads! With a high income, tax efficiency should be a priority. You should max out your 401k. Does your employer also offer a 457? HSA? Bond funds and REITs are not tax efficient, ideally they should be allocated to tax-deferred instruments (e.g. 401k, IRA). With regard to specifics ...

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