Search found 359 matches

by StormShadow
Sat Jan 30, 2016 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Advice For 18yo
Replies: 37
Views: 1682

Re: IRA Advice For 18yo

Welcome to Bogleheads! Consider yourself lucky that you found this forum at such a young age. A couple of thoughts... Past performance is not a guarantee for future performance. Never forget that. In any given day, the market can crash, and almost certainly will do so several times in your life. Tha...
by StormShadow
Sat Jan 23, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 42
Views: 3578

Re: Stats on Americans 'cutting the cable' ?

I stream all my content through roku and a smart tv. I do buy Netflix and have Amazon Prime. This is enough for me. One thing to consider, if you are a sports nut (I am not) you may find it hard to get all the sports that cable provides. It was never an issue for me, so it worked great. I pay rough...
by StormShadow
Sun Jan 17, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question as sole beneficiary
Replies: 32
Views: 2263

Re: Inheritance question as sole beneficiary

David Jay wrote:1. Don't let money screw up your relationship with your brother.
2. Do what you believe to be ethical.

Your personal outcome should be "no regrets"

+1

This shouldn't even be a question.
by StormShadow
Thu Jan 07, 2016 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Pondering belated 529 for niece and nephew
Replies: 9
Views: 739

Re: Pondering belated 529 for niece and nephew

Thanks folks! I think I'll move ahead with the 529. The PA 529 provides access to Vanguard funds, and can be started with as little as $25. If you're in Pennsylvania, you get a tax break regardless of which state's 529 you contribute to. Also, the PA 529 fund costs $15 to start. We are in a tax par...
by StormShadow
Thu Jan 07, 2016 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Worst 401K funds ever. What to do?
Replies: 9
Views: 472

Re: Worst 401K funds ever. What to do?

If you keep the money in taxable then the taxes will likely eat up more than the 401K fees, even with a 1.5% ER. Well, not necessarily. Most of the Vanguard stock funds generate relatively few dividends. Some folks advocate allocating low dividend yielding index funds such as total stock market/tot...
by StormShadow
Thu Jan 07, 2016 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Worst 401K funds ever. What to do?
Replies: 9
Views: 472

Re: Worst 401K funds ever. What to do?

All the expense ratios are above 1.50%. Woof. That sucks. I'd contribute to the match (if you have one), and thats it. I'd choose the cheapest equity fund available. I'd also quietly lobby your fellow co-workers to petition for a better selection of funds. 8-) Otherwise, max out your IRA, pay off y...
by StormShadow
Thu Jan 07, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 94
Views: 9921

Re: Where to buy nice men's dress shirts?

Brooks Brothers and Nordstrom for the dressy stuff. I like the Joseph A Bank-styles, but I find that many of their shirts begin to fray at the cuffs pretty quickly. My job permits business casual, so my daily wear consists of either Polo, Banana Republic or Tommy Hilfiger. Always with Merrell slip o...
by StormShadow
Thu Jan 07, 2016 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Dipped under Admiral Threshold
Replies: 8
Views: 1639

Re: Dipped under Admiral Threshold

For me, most of my funds were automatically transitioned to Admiral soon after they reached the minimum amount and it wasn't a taxable event. The others, I purchased the minimum Admiral amount straight up ($10k). One of my funds dipped below the $10k mark from the '08 real estate bubble burst, and I...
by StormShadow
Tue Jan 05, 2016 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Flagship customer service
Replies: 10
Views: 1310

Re: Flagship customer service

These folks, who should be the cream of the crop, don't seem to be adequately trained IMHO. This translates into a giant waste of time and, more importantly, a lack of confidence in the answers they provide. What makes you say they are "the cream of the crop"? This is probably the cheapes...
by StormShadow
Tue Jan 05, 2016 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Pondering belated 529 for niece and nephew
Replies: 9
Views: 739

Re: Pondering belated 529 for niece and nephew

I would rather help them with your general funds when they need it. That's just me, though. Also, if they actually "need" your help, they'll qualify for financial aid, and your 529 with them as beneficiary will hurt their financial aid package. Only 529's that are directly owned by the de...
by StormShadow
Tue Jan 05, 2016 8:14 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 126
Views: 4203

Re: 2016 hedge fund contest

I'm going to give you three choices because of what happened to SWHC today. I can't let you keep it using yesterday's closing price, because you made the pick after material news was out. Your choices are: ⋅ Drop out completely. ⋅ Drop the SWHC position. ⋅ Take today's...
by StormShadow
Mon Jan 04, 2016 10:55 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 126
Views: 4203

Re: 2016 hedge fund contest

Aww, can I still enter? I just saw this now.

Name: Kobra Kai, LLC

LONG:
Under Armour UA
NETFLIX NFLX
Smith and Wesson SWHC

Short:
Best Buy BBY
Disney DIS
Exxon XON
by StormShadow
Fri Dec 25, 2015 1:56 am
Forum: Personal Consumer Issues
Topic: How to Buy Luxury Watches/Jewelry
Replies: 16
Views: 1644

Re: How to Buy Luxury Watches/Jewelry

You can try to negotiate by gettiing a quote from one store and compare with another.

IMO, buying retail on a luxury watch is a losers game... especially with Cartier. They depreciate a lot once out the door. If you're willing to get a pre-owned, you'll save a ton.
by StormShadow
Sat Sep 19, 2015 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Safest Investment
Replies: 39
Views: 3671

Re: Safest Investment

Your career.
by StormShadow
Fri Jul 24, 2015 12:01 am
Forum: Investing - Theory, News & General
Topic: Gambling with Commodities
Replies: 15
Views: 1772

Re: Gambling with Commodities

Frozen concentrated orange juice. Stock ticker is FCOJ.

Trust me, I have a copy of the crop report. :beer
by StormShadow
Tue Jul 21, 2015 11:10 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 7724

Re: Greatest money lesson movie

Brewster's Millions 8-)

Trading Places, Rounders already mentioned.

Wall Street.
by StormShadow
Fri Jul 17, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 5426

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

First: congratulations! 1. Crib: We got ours from Ikea, which worked perfectly and is pretty affordable. 2. Diapers: sister-in-law went the cloth route... I think it drove her nuts. We went the disposable route and have zero regrets. Just get the cheapest you can, the expensive ones aren't really ne...
by StormShadow
Tue Jul 14, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Student Loan in 2016?
Replies: 19
Views: 1628

Re: Pay off Student Loan in 2016?

Why not a mix? I'd max out retirement options, then split the difference between taxable investments and extra-loan payments. I wouldn't fault you for paying down the loans completely. Its a negative 3.5% guaranteed bond, so paying it off is a pretty good deal. You're not going to beat that with a s...
by StormShadow
Tue Jul 14, 2015 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Physician: Which Job to Choose
Replies: 32
Views: 3724

Re: Physician: Which Job to Choose

Assuming the work conditions are solid, I'd pick #3. There's definite value in shortening your commute time. I think fretting over schools is a little overrated with your children still so young. Be a good parent, your kids will turn out fine. And who knows, you might move again in a few years anyhow.
by StormShadow
Wed Jul 01, 2015 9:01 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 227
Views: 31499

Re: Bogleheads 2015 Hedge Fund Contest

Hey hey! I'm finally in the green!

Smith & Wesson been kickin my butt!
by StormShadow
Tue Jun 30, 2015 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 63
Views: 11860

Re: As a couple in late 30s, how bad are we doing?

Just my opinion, but I don't think you're that bad off. Frankly, the only thing that matters NOW is you found bogleheads (welcome!!) and now you're going to come up with a good plan for the future. I think 2 years for an emergency fund is a little much. But kudos to you for having it! Much better to...
by StormShadow
Tue Jun 23, 2015 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: I've got $80k burning a whole in my pocket, what should I do with it?
Replies: 21
Views: 3014

Re: I've got $80k burning a whole in my pocket, what should I do with it?

$300,000 @6.9%/yr x 6 years = $124,200 of interest. Food for thought. My advice? Set aside whatever you need for the emergency fund. 403(b) to the match. (MAYBE consider a Roth, personally I would and have done it. No regrets, though others clearly may disagree for good reason.) All the rest, I woul...
by StormShadow
Tue Jun 23, 2015 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: When is a Roth 401k the Better Option?
Replies: 30
Views: 2626

Re: When is a Roth 401k the Better Option?

People probably use the Roth way too often, but it may be appropriate here just to hedge against the risk of tax code changes and because you may be in the 15% bracket anyway in retirement. A couple thoughts... 1. A lot of high income earners elect to use a Backdoor Roth IRA. Would you argue there ...
by StormShadow
Tue Jun 23, 2015 11:20 pm
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 9297

Re: Money arguments with spouse and how did you resolve

Compromise, however DW always had the slight edge. :( Happy wife happy life, as they say. Sigh... To be fair, DW is usually the more frugal one, so I really shouldn't complain. Probably the most challenging discussion I had with her (before marriage) was convincing her to invest in the stock market....
by StormShadow
Tue Jun 23, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 190
Views: 16937

Re: Convince me not to buy Porsche

I love me a Porsche. They're sexy. They're fast. They're the poor-man's Ferrari... and I mean that in a good way. I've thought of buying one for years... could even purchase a new 911 Turbo in cash... but I couldn't justify shelling out that kind of money for a car. Plus the maintenance can be a nig...
by StormShadow
Mon Jun 22, 2015 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 8390

Re: Should my husband become a nurse?

EnjoyIt wrote:Wow,
I can't imagine working working six or even five 12 hour shifts every week.

I can. Its called residency. :mrgreen:
by StormShadow
Sun Jun 21, 2015 12:01 am
Forum: Investing - Help with Personal Investments
Topic: How is this AA for a 25 year old?
Replies: 19
Views: 1375

Re: How is this AA for a 25 year old?

Dump the William Blair fund. ER too high. International diversification doesn't justify the fee, IMO.

Not sure what you have against a roth (I love them), but you could invest in cheaper international index funds through an IRA.
by StormShadow
Sat Jun 20, 2015 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Financial and worldly advice to college kids
Replies: 27
Views: 3472

Re: Financial and worldly advice to college kids

1. Tell them to get a part-time job
2. Tell them to contribute to a Roth IRA (you can even help them with this)
3. Tell them to go to bogleheads.org.

Repeat steps 2+3.
by StormShadow
Sat Jun 20, 2015 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestion for toddler
Replies: 51
Views: 5390

Re: Portfolio suggestion for toddler

I wouldn't bother with a taxable account.

If you want to do something for your kid now, how about a 529 plan instead?
by StormShadow
Sat Jun 20, 2015 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie seeking investment advice
Replies: 2
Views: 584

Re: Newbie seeking investment advice

My financial goals: 1. Saving for retirement 2. Building an investment portfolio, ideally in a low-maintenance way (mutual/index funds that I purchase and let sit for years and years) 3. I will be selling my current home in a few years. During/after residency (5-10 years in the future), I want to b...
by StormShadow
Sat Jun 20, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 8390

Re: Should my husband become a nurse?

My husband is 35 year old. He wants to go back to school again. He still has about 12 credit hours at the community college he attended years back. Currently he is in sales but we all know this is not a stable field to be in. He won't be eligibility for any financial aid because he makes around $7,...
by StormShadow
Sat Jun 06, 2015 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 112
Views: 14845

Re: Friends/Family that don't invest!

Have you encountered friends/family that don't save for retirement and when you ask why they respond with something like "how do you know you won't lose it?" I understand they may not want risk, however even investing in bonds (VBTLX for example) they would assume almost 0 risk and make s...
by StormShadow
Fri May 22, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Roth IRA or pay student loans?
Replies: 13
Views: 1332

Re: Fund Roth IRA or pay student loans?

Attending here, 1 year out of training. My thoughts: Was also in IBR with same salary, and initially my monthly payments were only $340/mo (all interest). Midway through training, got married to DW who made more money and auto monthly payments bumped up to $1,300 (some to interest and some to princi...
by StormShadow
Thu May 21, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 4728

Re: Put money down on new car, dealer wants color change

To the OP - buying cars sucks so don't feel bad if you are not able to get all of your money back. You've learned a lesson about giving a dealer money before the purchase, consider it tuition. Everyone on this board has paid this kind of tuition in various walks of our financial life. That's why we...
by StormShadow
Thu May 21, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 4728

Re: Put money down on new car, dealer wants color change

...My wife was set on this color, especially since the last vehicle we purchased 4 years ago had the same thing happen and she was talked into a different color. Is this common? These are the only two vehicles we have every bought new. Can we cancel the deal with this dealer? If we could agree to s...
by StormShadow
Sun May 03, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 13064

Re: Will you buy self-driving car?

Eventually, yes... as the price comes down and the technology improves. For one, DW is terrified of driving, and was ecstatic when she heard that self-driving cars were finally coming to the market. Also, at some point most of us will lose the ability to safely control a motor vehicle. I don't think...
by StormShadow
Sat Apr 11, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1431
Views: 272671

Re: What Movie Have You Recently Watched?

Last 5 Redbox rentals: Imitation Game (superb film) Big Hero 6 (definitely enjoyable, but not one of Disney's best) Interstellar (if you liked Contact and 2001, you'll love this... otherwise, you might want to pass) Foxcatcher (solid film) Mockingjay (only reason I saw this is because I saw the prio...
by StormShadow
Sun Mar 22, 2015 10:54 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 10839

Re: Whats a good Pistol to buy?

+1 for the S&W or Ruger revolver. Just go to a range and rent a few. I personally like Glock and Sig Sauer, but if you're not used to shooting then a semi-auto may not be ideal as a first (only?) handgun to get. Agree with others that you should take a shooting/safety course. Know the four rules...
by StormShadow
Fri Mar 20, 2015 11:56 pm
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 5911

Re: How does one increase their typing speed and accuracy?

I clock about 90 wpm. Good days 95+. My secret was AOL instant messenger. Typing games helped too. First you gotta start with the basics and have the correct fingers reaching for the appropriate keys. "T" with your left index, "Y" with your right index, "X" with left ri...
by StormShadow
Sat Mar 07, 2015 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for an aspiring MBA applicant
Replies: 1
Views: 459

Re: Investment advice for an aspiring MBA applicant

My 2 cents: Get the job first. Work hard and do well. Have your job pay for your masters.
by StormShadow
Sat Mar 07, 2015 12:52 am
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 4072

Re: Anyone hold precious metal

Prague wrote:Does anyone hold precious metal in their portfolio? If so, do they stick with silver or gold and in physical or paper certificate?

Gold and silver bullion coins. More of a hobby, for me. It constitutes 1-2% of my investment assets.

I like to think of it as a currency/inflation hedge.
by StormShadow
Tue Mar 03, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 13617

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Valuethinker wrote:It is sad to see anyone go. I remember David Halberstam went like this and it seemed so wrong, that we would not read more words by him.

Closer to home this one hits, too.

Not to mention Patton.

Though, I imagine Patton wasn't as pleasant to talk with.
by StormShadow
Sun Mar 01, 2015 1:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard Strikes Back With Lower Target-Date Fees
Replies: 17
Views: 6590

Re: Vanguard Strikes Back With Lower Target-Date Fees

If these funds are like other Vanguard institutional funds, they will have a $5,000,000 minimum. Too rich for my blood. :( "...Vanguard's new offerings, directed at retirement-plan providers, will require a $100 million minimum initial investment for investment-only clients, though recordkeepi...
by StormShadow
Fri Feb 20, 2015 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: In our situation, how much would you put in your 2014 Roths?
Replies: 19
Views: 1472

Re: In our situation, how much would you put in your 2014 Ro

Woah, everyone is saying to max both of them. That's unexpected. And it's extraordinarily scary. Spend $11,000 in one shot? That's coming up on our entire year's budget. Chopping our liquid cash down by that much scares me. Kind of strange, because the thought of our current Roths being 90/10 doesn...
by StormShadow
Fri Feb 20, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: In our situation, how much would you put in your 2014 Roths?
Replies: 19
Views: 1472

Re: In our situation, how much would you put in your 2014 Ro

WHL wrote:At your income level, is a Roth IRA even the right choice?

They make $25k per year. At that income level, how is a Roth IRA NOT the right choice? With the standard deduction, their income tax rate is literally 0%! In this situation, I'd max out a Roth no questions asked.
by StormShadow
Thu Feb 19, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 13233

Re: What video games are you currently playing?

Love this thread! Unfortunately, DW hasn't let me buy/play a video game since she became... DW. :oops: Last games played were: Call of Duty Modern Warfare 2 and StarCraft II Wings of Liberty (prior to expansion). Loved 'em both! I love FPS and most Blizzard games (though never started WoW... <--- pr...

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