Search found 123 matches

by abonder
Sun Mar 19, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio. Am I on the right track?
Replies: 9
Views: 605

Re: Help with portfolio. Am I on the right track?

I agree with chip. Maybe consider directing part of the taxable contributions to mortgage. As I mentioned earlier, if you're saving money either in taxable or debt repayment, then you're on the right path. Don't sweat the details of TLH. Just keep good records, learn more about it, and consider it d...
by abonder
Sun Mar 19, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio. Am I on the right track?
Replies: 9
Views: 605

Re: Help with portfolio. Am I on the right track?

Investment strategy seems reasonable. Asset allocation is within reason (some would argue for a little more bonds), investment expenses seem good. There's not much that I would do offhand. What is the rate on the mortgage? You could consider throwing some additional money at the mortgage in lieu of ...
by abonder
Sun Mar 12, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth still confused on advantage
Replies: 16
Views: 1181

Re: Backdoor Roth still confused on advantage

In mhalkey's link While it’s pretty straightforward to create a backdoor Roth, is it really worth the hassle? $5,500 a year in extra saving isn’t exactly going to make you rich. But if you’ve maxed out your 401k, are saving even more in after-tax accounts, have extra liquidity to spare, are still i...
by abonder
Wed Mar 08, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Car dilemma?
Replies: 25
Views: 1599

Re: Car dilemma?

Lots of good feedback. You've already paid the price for buying a new Audi so there is the argument to keep it and enjoy it. Audi has been very highly-rated for reliability per consumer reports in the past couple of years. It's definitely going to be more expensive to keep the Audi running and maint...
by abonder
Wed Mar 08, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: New Honda Odyssey? negotiations help!
Replies: 6
Views: 494

Re: New Honda Odyssey? negotiations help!

https://www.bogleheads.org/forum/viewtopic.php?f=11&t=124638 I think that is the extended bogleheads thread that might help you. A lot of good info in there. Also, there are forums where people discuss prices for models so those car also be helpful. Don't be afraid to take your time and be firm....
by abonder
Tue Mar 07, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Oaxaca?
Replies: 3
Views: 578

Re: Oaxaca?

We thought that the town of Huatulco was very cute and enjoyable to see. Puerto Escondido is also interesting. We enjoyed watching professional surfers get pounded by the unreal swell. Based on your user name, you might want to explore the surfing scene. As an aside , it gets really hot down there. ...
by abonder
Tue Mar 07, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 271
Views: 36478

Re: Physician Retirement Savings

Lots if interesting insights in this extended thread. Impressive wealth accumulation by a select group of boglehead physicians. I'm highly suspicious that selection bias plays a role in the posts here. Bogleheads (and the subset of boglehead physicians) tend to be highly motivated, fiscally responsi...
by abonder
Mon Mar 06, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Moving away from Edward Jones to Vanguard
Replies: 48
Views: 3706

Re: Moving away from Edward Jones to Vanguard

In general, rolling to an IRA is often superior because you have greater control of the investment options and fees. It's not necessarily better....that is, many people are advised to move their 410k money from a setup with low costs and good investment options into a terrible brokerage account (lik...
by abonder
Mon Mar 06, 2017 3:16 am
Forum: Personal Finance (Not Investing)
Topic: Worth It Or Not? [to Retire]
Replies: 21
Views: 2463

Re: Worth It Or Not? [to Retire]

Thanks for keeping us updated of your thoughts. It sounds like you have a handle on the financial implications. The only thing I would add (and I think you've touched on this) is to explore if there are workplace opportunities that would add a new challenge, experience, or aspect to your work that w...
by abonder
Sun Mar 05, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: 529- should I stop contributing?
Replies: 13
Views: 1273

Re: 529- should I stop contributing?

You seem to regard $200k in an aggressive fund for two years longer than $100k in a super aggressive fund as equIvalent. I'm not sure that's the case. As for how much college will cost in a decade or two, I surely don't know, any more than I know what your kids' SAT scores will be, or if they're st...
by abonder
Sun Mar 05, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy municipal bonds
Replies: 11
Views: 1155

Re: How to by municipal bonds

A few things to note. Transaction costs (overt and hidden) can be very high on individual municipal bonds. Read a little on it and you'll learn how much he deck can be stacked against you as an individual investor dealing in (relatively) small amounts. You definitely don't get the efficiencies that ...
by abonder
Sun Mar 05, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Think I'm ready, but not overly confident
Replies: 28
Views: 2772

Re: Think I'm ready, but not overly confident

I think that you are in an enviable position and you'll be fine regardless of the exact details. You mentioned an impressing corporate reorganization- is there any chance that you could get an early separation package. You absolutely don't need it but it might be a way to get healthcare covered unti...
by abonder
Tue Feb 28, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Pulling the trigger on new minivan or wait?
Replies: 29
Views: 1529

Re: Pulling the trigger on new minivan or wait?

You'll find a lot of minivan appreciation here. It's funny that SUVs are so popular when they cost more, are more expensive to operate, and function way less usefully than a van. Unless you're off-roading regularly, there's no utility in an SUV. It's the hedge fun of vehicles....huge cost for underp...
by abonder
Tue Feb 28, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Pulling the trigger on new minivan or wait?
Replies: 29
Views: 1529

Re: Pulling the trigger on new minivan or wait?

I think the minivan is probably highly useful for your family situation. There's a ton of threads on this, but I think used Odysseys hold their value really well. You have to go out many years/miles to make used worth it from a value standpoint. I am not a fan of Chrysler products. I know the Pacifi...
by abonder
Mon Feb 27, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3024

Re: Outdoor grill: gas or electric?

I suspect that if you are deciding between gas an electric, then ease of use is of primary importance. The only time I e ever used electric is when we had an outdoor space at our condo where only electric grills were permitted. Otherwise, I can't see a reason to do electric. I think gas is superior ...
by abonder
Mon Feb 27, 2017 12:45 am
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 95
Views: 6957

Re: Do Boglehead DIY or Pay a Professional?

I still have to teach my kids how to fix things and do things, but once they are completely launched, I will probably pay to have some things done. It would be a real disservice to them if they didn't know how to fix a toilet, faucet, dishwasher, dryer, HVAC, take care of computer, a network, lawn,...
by abonder
Sat Feb 25, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 1989

Re: Caribbean vacation with 3 kids

I think it really depends on what you are looking for. Weve never been the all inclusive types, but many find it to be satisfying. There is the simplicity of knowing your costs up front. We've always enjoy house/villa rentals. Certain areas have staffed villas - it can be surprisingly cost-effective...
by abonder
Sat Feb 25, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3171

Re: How am I doing?

I think the updated plan is sound. Definitely take some more time and learn about investing and personal finances. It will pay off very well in the long run. You're on a very good trajectory....already saved a good amount, reasonable student debt load, mortgage reasonable for income, etc. I feel li...
by abonder
Sat Feb 25, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3171

Re: How am I doing?

I think the updated plan is sound. Definitely take some more time and learn about investing and personal finances. It will pay off very well in the long run. You're on a very good trajectory....already saved a good amount, reasonable student debt load, mortgage reasonable for income, etc. I feel lik...
by abonder
Fri Feb 24, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Balance Defined Benefit Plan
Replies: 12
Views: 981

Re: Cash Balance Defined Benefit Plan

Surprised there have been no replies. I will weigh in with my limited insights. I would strongly consider using the defined benefit plan because of your high income. Any tax-advantaged space that you can access when you're making 7 figures is worthwhile. My take on the expected low-return investment...
by abonder
Sun Feb 12, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay Vanguard for "extra" advice?
Replies: 9
Views: 1231

Re: Should I pay Vanguard for "extra" advice?

The service that you are referring to is the personal advisory services. It doesn't necessarily change the type of investments that you would have nor the quality of your Vanguard experience. The idea is to provide low-cost guidance such as would be provided by a financial advisor. If you already kn...
by abonder
Sun Feb 12, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need investment advice for a high tax bracket NYC resident
Replies: 13
Views: 1423

Re: Need investment advice for high tax bracket NYC resident

1. You're young and have high income. I wouldn't shoot for 3 percent as some kind of guarantee. I can't tell if you specifically are aiming to invest the 300k only in bonds. If you need to keep that money available and safe, then the FDIC-protected savings account you are currently utilizing is a go...
by abonder
Sat Feb 04, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 66
Views: 6218

Re: Cord cut strategy for young family

I think you've gotten a lot of good advice. I believe that the rational way to approach this is to assess your "needs" and then try and calculate the costs (financial and convenience) to obtain those services that you care about. This might be a little against the grain but staying with th...
by abonder
Wed Jan 25, 2017 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford to stop working overtime?
Replies: 56
Views: 4523

Re: Can I afford to stop working overtime?

You've gotten a lot of well-intentioned responses. I suspect that your finances will be ok either way. This isn't a financial decision, but rather a family decision. Do what is right for your family. You'll absolutely be ok without OT for a while. Reassess after you've utilized the time to address i...
by abonder
Sun Jan 22, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: 529 For my child: who should be the "owner" - me, my wife, or both of us
Replies: 7
Views: 807

Re: 529 For my child: who should be the "owner" - me, my wife, or both of us

I had no ideas about the utility of 529s for shielding assets from lawsuits so I did a little looking. Here's a link with some information (it's old but seems useful). http://www.forbes.com/forbes/2003/0512/142.html It looks like it depends on the state and the person who is the account owner. In ge...
by abonder
Sat Jan 21, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Plenty of income, need portfolio help and advice badly :)
Replies: 12
Views: 2044

Re: Plenty of income, need portfolio help and advice badly :)

Sounds like you're making some progress. I would definitely learn more about trying to diversify spouses 401k from employer stock. Most bogleheads try to limit employer stock since you are reliant on employer for income (wages) and also equity performance. Don't get me wrong - concentrating money in...
by abonder
Sat Jan 21, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 36
Views: 5126

Re: Instant Pot - your favorite uses?

Following this with great interest. If people have specific recipes that they like and feel comfortable sharing, I'd love to hear them. We have one but I'm still learning the ins and outs.
by abonder
Fri Jan 20, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Plenty of income, need portfolio help and advice badly :)
Replies: 12
Views: 2044

Re: Plenty of income, need portfolio help and advice badly :)

Welcome. Just scanning your info shows that you're not in bad shape at all, given that you have no non-mortgage debt, significant equity in your properties, and good income. I won't make any specific advice but rather suggest you read the wiki and some of the recommended books. There's nothing that ...
by abonder
Wed Jan 11, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 133
Views: 16485

Re: New SUV, $50G, Pilot/Highlander/Other

I realize that this is an old thread so I'm unsure if OP is following. Is another minivan being considered? The OP indicated that they currently have two Odysseys. I know there is widespread anti-minivan sentiment, but they really trump all other options in terms of utility and day-to-day ease of us...
by abonder
Wed Jan 11, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Another try at getting Portfolio Advice
Replies: 17
Views: 1211

Re: Another try at getting Portfolio Advice

I think you've gotten really good advice from some experienced members of the community. It seems like you've created a mental model that is incorrect. You don't have to necessarily sell all your positions to leave your advisor. Those are two separate steps. If you decided that the advice from your ...
by abonder
Wed Jan 11, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 59
Views: 9051

Re: Laundry lifestyle creep

OP here. I fully recognize that any laundry expenditures are unlikely to significantly impact ones overall personal finances/retirement planning. I think I was more questioning if the extra cost/effort of adding oxiclean is worthwhile. It's a cost I'm willing to pay presuming that it doesn't have an...
by abonder
Wed Jan 11, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Another try at getting Portfolio Advice
Replies: 17
Views: 1211

Re: Another try at getting Portfolio Advice

In regards to the 100% equities asset allocation - only you can decide if that works for you. There are plenty of people who incorporate other factors (pension, rentals, annuities, etc) to rationalize an aggressive asset allocation. Based on historical returns, you should come out ahead with a highe...
by abonder
Sun Jan 08, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Does a spousal Backdoor Roth make sense in this situation?
Replies: 11
Views: 1036

Re: Does a spousal Backdoor Roth make sense in this situation?

I'm not sure that I understand. Are you sayin that you'd like to make non-deductible Spousal IRA contribution for your wife but not convert to Roth until much later? I believe that is an option although you are likely to end up with significant tax liability at that time due to earnings on the non d...
by abonder
Sat Jan 07, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 59
Views: 9051

Re: Laundry lifestyle creep

I can't recall if there is a difference in clothing cleanliness after changing the laundry routine. It's also hard by our needs have changed with babies and they tend to make a lot of nasty stains! So part of me thinks it's worth it just because our laundry needs are more significant than previously...
by abonder
Sat Jan 07, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 59
Views: 9051

Laundry lifestyle creep

In the old days, I'd just use the cheapest detergent I could buy and then call it a day. I then started using a more expensive detergent (even if not on sale) because it was highly-rated by consumer reports. More recently, we bought a large box of oxiclean. Initially, I was only adding it to the hig...
by abonder
Sun Dec 25, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being smart with this car purchase?
Replies: 58
Views: 5011

Re: Am I being smart with this car purchase?

Agree with the posters who advise against this car if it's not something you're passionate about. So many options exist for reliable cars, new and used, ICE and electric, that the i3 strikes me as an odd choice. Look at used Leafs. It's almost scary how cheap they are. I almost want to buy one as a ...
by abonder
Mon Dec 12, 2016 2:01 am
Forum: Investing - Help with Personal Investments
Topic: My tax saving strategy
Replies: 7
Views: 1562

Re: My tax saving strategy

I would look a little more into 457b accounts, specifically regarding the differences between governmental and non-governmental variants. Using the governmental 457b is a no-brainer, presuming you have the ability to contribute and the investing options are good. You need to look at the plan documen...
by abonder
Sun Dec 04, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Back to Med School - Financially Worth It?
Replies: 87
Views: 12154

Re: Back to Med School - Financially Worth It?

Just to clarify - the original poster already completed medical school and is onto residency. He posted an update 4 years after original post. So any advice to him to go/not go to medical school is moot. He seems to have completed medical school while working and has maintained an optimistic outlook...
by abonder
Sun Dec 04, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 215
Views: 45479

Re: My New Car Buying Tips

I know you weren't directing question to me but I found that about 2/3 of the dealers were open to doing business via email. I couple asked for more information and then moved forward via email. A few continued to ask for a phone call, which I politely refused. If they didn't eventually move to emai...
by abonder
Sun Dec 04, 2016 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Back to Med School - Financially Worth It?
Replies: 87
Views: 12154

Re: Back to Med School - Financially Worth It?

Thank you for your update. It sounds like you managed what could have been a challenging transition with poise and an inspiring open-mindedness. Given your positive outlook, I am sure you will end up thriving regardless of the career direction you choose. I have some very negative colleagues and oth...
by abonder
Sun Dec 04, 2016 12:00 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 215
Views: 45479

Re: My New Car Buying Tips

I love this thread because I hate the car buying experience and I think that the method outlined really does result in a fair price with minimal stress. I recently employed this method for my in-laws. I went through all the steps and worked out a final deal for them at a dealer all from the convenie...
by abonder
Fri Nov 25, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating New Car Purchase
Replies: 34
Views: 4081

Re: Negotiating New Car Purchase

You should search for the numerous car negotiation threads here on Bogleheads. Generally, you solicit prices for the exact make/model from a range of dealers that are close enough to hole that you would consider doing business with. Once you get prices (not all will cooperate in my experience), then...
by abonder
Sat Nov 19, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 9475

Re: Honda Cars

I've owned 6 Hondas/Acuras since 1988 and have generally enjoyed them. Like you I am looking at a 2017 Accord. However I recently discovered that the 2018 Accord is scheduled for big changes so decided to wait. Some of the spy photos look interesting. A much sleeker look and a possible turbo 4 cyli...
by abonder
Sat Oct 29, 2016 1:16 am
Forum: Personal Consumer Issues
Topic: Anyone have experience with au pairs?
Replies: 13
Views: 2721

Re: Anyone have experience with au pairs?

We have had an au pair for just over a year. Our au pair is staying with us for a second year, which is great as she has been a wonderful part of our family. Since our n=1, it's hard for me to make a definitive statement. It's definitely a more intimate experience than having a nanny - more like a f...
by abonder
Tue Oct 18, 2016 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio overhaul - please critique
Replies: 10
Views: 1167

Re: Portfolio overhaul - please critique

Much appreciated input, thank you. Just want to ask some clarification for a few things 1. It seems like my current fund selection is adequate, so I shouldn't focus on simplifying? Trying to get three or so funds across all of my wife and my accounts should take a back seat? 2. Should I continue to...
by abonder
Sat Oct 08, 2016 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio overhaul - please critique
Replies: 10
Views: 1167

Re: Portfolio overhaul - please critique

I checked some old posts and it appears that you are a physician not far out of residency, so the relatively high debt/low-savings is understandable and often relatively unavoidable. I'm sure you're familiar with Whitecoatinvestor.com, but if you somehow aren't familiar, spend some time there. You c...
by abonder
Sat Oct 08, 2016 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio overhaul - please critique
Replies: 10
Views: 1167

Re: Portfolio overhaul - please critique

I'll try to add a few thoughts. First, I wouldn't worry too much about your exact portfolio composition. I think that your overall plan is good in terms of 3 fund portfolio, 80/20 stock/bond with 30 percent international, emphasis on choosing lowest cost options available in each account. I think yo...
by abonder
Fri Oct 07, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Honda Accord Purchase Advice/Information
Replies: 16
Views: 1540

Re: Honda Accord Purchase Advice/Information

Thanks to everyone who has shared personal experiences and links. It's very helpful. I feel like I'm at the end of the 2016 season. I'll have to see what kind of prices/availability I find when getting quotes. If there isn't enough availability, I guess I could look at 2017 models, although I'm not ...
by abonder
Thu Oct 06, 2016 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Accord Purchase Advice/Information
Replies: 16
Views: 1540

Re: Honda Accord Purchase Advice/Information

Jackholloway - thanks for weighing in on the Honda sensing and appleplay interface. jhh9327 - thanks for the link to the forums with pricing. That will be very useful. I was only vaguely aware of the existence of these kinds of pricing forums, and it's very useful. Still looking for a link to the be...
by abonder
Thu Oct 06, 2016 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Accord Purchase Advice/Information
Replies: 16
Views: 1540

Honda Accord Purchase Advice/Information

I'd like to help an older relative purchase a new Honda Accord. It seems like the EX sedan with Honda Sensing is exact desired car. It will be new - not considering used based on buyer's preferences. I had a few questions I would like to present to the forum. 1. Can somebody point me to the "be...

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