Search found 432 matches

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: 135
Views: 6279

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: 3290

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: 36
Views: 3426

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: 129
Views: 8359

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: 24501

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: 6617

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: 3551

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: 6617

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: 6118

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: 2147

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: 3815

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: 189
Views: 13948

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: 4174

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: 129
Views: 8359

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: 129
Views: 8359

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: 129
Views: 8359

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: 3317

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: 45403

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: 189
Views: 13948

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: 189
Views: 13948

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: 4402

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: 1904
Views: 449663

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: 339

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: 7647

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: 5237

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: 1078

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: 1078

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: 1078

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: 1078

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: 2541

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: 3186

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: 1904
Views: 449663

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: 3530

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: 18832

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: 189
Views: 13948

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: 941

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 ...
by StormShadow
Sun Apr 24, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 8757

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

My advice for the OP, don't invest in stocks.

Stick with what you are comfortable with: bonds, CD's, savings... whatever. Live frugally with peace of mind.

Some people are risk averse, and there is nothing wrong with that.
by StormShadow
Tue Apr 12, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: CPA pricing and physical location
Replies: 41
Views: 2784

Re: CPA pricing and physical location

The cheapest route is todo it on your own with Turbotax or H&R block online. I usually try this first. You could go to a brick 'n mortar H&R Block shop and I suspect they'd estimate around that $650 number, maybe more, maybe less. When I used one a few years ago, I had just gotten married an...
by StormShadow
Fri Apr 08, 2016 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: 19 year old looking for guidance and advice
Replies: 28
Views: 2160

Re: 19 year old looking for guidance and advice

Also, the advice about an IRA is good, but you need $1000 to open the minimum fund at Vanguard and then it's basically gone, you can't use it if you need it (car breaks down, etc), so I'd hold off on that. (Later, when you do have a Roth IRA you can withdraw your contributions without penalty, but ...
by StormShadow
Thu Apr 07, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: 19 year old looking for guidance and advice
Replies: 28
Views: 2160

Re: 19 year old looking for guidance and advice

Also, the advice about an IRA is good, but you need $1000 to open the minimum fund at Vanguard and then it's basically gone, you can't use it if you need it (car breaks down, etc), so I'd hold off on that. (Later, when you do have a Roth IRA you can withdraw your contributions without penalty, but ...
by StormShadow
Thu Apr 07, 2016 5:28 pm
Forum: Investing - Theory, News & General
Topic: Does anyone invest in websites?
Replies: 38
Views: 3484

Re: Does anyone invest in websites?

Lower end website investments (worth less than $20,000) are typically priced in terms of monthly revenues. A typical purchase price is 10 to 20 months worth of revenues making them a high cashflow investment. There is no free lunch and with websites there are risks from industry disruption, search ...
by StormShadow
Wed Apr 06, 2016 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: 19 year old looking for guidance and advice
Replies: 28
Views: 2160

Re: 19 year old looking for guidance and advice

My advice: Definitely consider contributing to a Roth IRA, if you can afford to do so. I suggest using the three fund portfolio if you want to learn what investments to choose from. Simple, but effective. Invest in your education. I think community college is a great way to build up credit while als...
by StormShadow
Tue Apr 05, 2016 3:53 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads too conservative?
Replies: 135
Views: 15343

Re: Are Bogleheads too conservative?

Are Bogleheads too conservative? My observation: Bogleheads are concerned with making and keeping the most amount of money they can. Bogleheads believe that there is overwhelming evidence that investing through low cost broadly diversified index mutual funds is the best way to do it. Just my observ...
by StormShadow
Tue Apr 05, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Very New to This - New Roth IRA
Replies: 10
Views: 1018

Re: Very New to This - New Roth IRA

Probably doesn't make much of a difference when you start off. When I started, I just bought the investor shares to diversify the portfolio how I wanted. As the investments grew (through earnings and future contributions), they all switched over to admiral shares automatically. Unfortunately, the li...
by StormShadow
Sun Apr 03, 2016 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on investing a lump sum
Replies: 5
Views: 733

Re: Advice on investing a lump sum

I recently received a lump sum distribution, regular income for 2016, of about $150K. I would like to invest it, but am cautious/anxious given the US market's current high level . You're problem is here. The way I view it, the market is what it is. Its neither high nor low. (Or if it is high or low...
by StormShadow
Sun Apr 03, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: Buy or pass on buying this first house?
Replies: 31
Views: 3602

Re: Buy or pass on buying this first house?

So, an update. I've pretty much decided to abandon this house. I visited the place again, and discovered that the creek eventually bends towards the house (as close as 10 ft away), getting deeper (probably a 5-6 foot drop) and wider (~6 feet) the closer it gets to the house. Makes me wonder if the h...
by StormShadow
Fri Apr 01, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Buy or pass on buying this first house?
Replies: 31
Views: 3602

Re: Buy or pass on buying this first house?

Thanks for the great feedback! DW is having reservations on the place. Her concerns are mostly the possibility of flooding (though the place has been around since 2001 and no issues with that so far) and the busy traffic making it scary to let our girl run outside. I'd be up for building a fence. Ma...
by StormShadow
Thu Mar 31, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Buy or pass on buying this first house?
Replies: 31
Views: 3602

Buy or pass on buying this first house?

So, DW and I are shopping for our first house. Live in the Philly area, and currently renting an apartment at $1,600 per month. Since having our first child, now a 1.5 yr old toddler, we are thinking of taking the plunge and buying our first home. We found an absolutely beautiful house (new-ish, bui...
by StormShadow
Fri Mar 25, 2016 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Best & Worst Financial Decisions?
Replies: 92
Views: 9210

Re: Best & Worst Financial Decisions?

Best: Contributing to a Roth IRA early in my career. Discovering Vanguard/bogleheads.

Worst: Procrastination (school, investing, you name it).
by StormShadow
Fri Mar 25, 2016 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help on Starting a ROTH IRA.
Replies: 19
Views: 1302

Re: Need Help on Starting a ROTH IRA.

Unfortunately, I am unable to max it out for the deadline on 4/18/16. However, I have made a commitment to start maxing it from 2016 onwards. I guess from all the threads that I've read from this website, it seems like I will be going for the Vanguard Retirement 2050 (VFIFX). Just make sure you hav...

Go to advanced search