Search found 428 matches

by blaugranamd
Thu Feb 15, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Three Fund Portfolio Excluding TSP?
Replies: 12
Views: 1075

Re: Three Fund Portfolio Excluding TSP?

FWIW, rebalancing in the TSP is about as easy as it gets. Takes about 2 minutes to do the math on your own once a year then you literally pull up the page, type in your desired allocation and it's done automatically.
by blaugranamd
Fri Feb 09, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13109

Re: "The stock market is officially in a correction... here's what usually happens next"

I put about 30k in my portfolio mid January (about 30% of my total taxable investment), wasn't a great timing! I still have cash that I plan to invest (about 75k). What would you do? Lump sum now or DCA over the next few weeks? Stay the course, stick to your plan. See how insignificant "Black Monda...
by blaugranamd
Fri Feb 09, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13109

Re: "The stock market is officially in a correction... here's what usually happens next"

I have a pile of cash (about 200k remaining) that I was DCA'ing into my robo-advisor taxable account, first week of each month - so I just did that (50k) Monday. I'm trying to decide if I should not wait until the first week of March for the next tranche and instead dump another 50k in now. This (m...
by blaugranamd
Wed Feb 07, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 2619

Re: Best BBQ in Austin

NoGambleNoFuture wrote:
Tue Feb 06, 2018 10:02 pm
Salt Lick is fantastic. (If you have time to drive to Driftwood, order family style, and enjoy all you can eat brisket, sausage, ribs, beans, potato salad, pickles, onions, and bread)
+1, drove up to Driftwood while in San Antonio just to eat here and was not disappointed.
by blaugranamd
Mon Feb 05, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Being a Disciplined Investor - How do you avoid temptations?
Replies: 41
Views: 2700

Re: Being a Disciplined Investor - How do you avoid temptations?

bg5 wrote:
Mon Feb 05, 2018 9:20 am
I am always keeping a close eye on Apple, Stryker, Amazon and many others.
Stop this. If you know you're not supposed to/planning to buy anything, then quit watching. Avoid the temptation by not exposing yourself to it.
by blaugranamd
Sat Feb 03, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 46390

Re: Today was a Really Bad Day

I just checked my portfolio, looks like I have the same number of shares I did yesterday. Haven't lost anything. What's all the fuss about?
by blaugranamd
Fri Jan 26, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 46
Views: 2934

Re: What will you do with your tax refund?

whodidntante wrote:
Thu Jan 25, 2018 1:47 pm
mega317 wrote:
Thu Jan 25, 2018 1:36 pm
I would use a refund to better understand my tax situation so that I can avoid a refund in the future.
Same here.
After getting like $4k back last year o adjusted our withholdings trying to do this. May have overshot a bit and owe $2k ish. I guess that's why we have savings though.
by blaugranamd
Sat Jan 20, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Military TSP Question
Replies: 9
Views: 956

Re: Military TSP Question

Just confirming they do cut it off. Makes for a nice December check when nothing is taken out. Don't let that happen if you are getting a match (under the new Blended Retirement System, or as a civilian under FERS); if you don't contribute in the last pay period, you won't get the match. Good to kn...
by blaugranamd
Sat Jan 20, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 4 in 1
Replies: 10
Views: 1070

Re: Fidelity 4 in 1

A great, Boglehead-approved fund of funds. Expense ratio is great, low initial buy in, broadly diversified. An all in one fund. If you're younger and want and 85/15 AA (that's about what it was when I owned it in my IRA a few years ago) you would do well to hold just this. Essentially a Lifecycle 20...
by blaugranamd
Fri Jan 19, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?
Replies: 34
Views: 2348

Re: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?

The reason I prefer the G fund is because I want to utilize the least amount of risk in my bond allocation. if I want to increase my returns rather than taking on more risk with my small percentage of funds invested in bonds I will simply increase my stock to bond ratio. trying to increase returns b...
by blaugranamd
Wed Jan 17, 2018 6:25 am
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1756

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

FriedFire wrote:
Wed Jan 17, 2018 12:00 am
Check out Google Flights. There’s a “flexible Date” option where you can specify length of trip and it’ll show you various destinations.
You can set multiple starting and destination airports and then track the itinerary so it shows up in Google feed on your phone
by blaugranamd
Mon Jan 15, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 6645

Re: Looking for a reasonably priced, safe international destination

I think we are leaning towards somewhere in Europe for this trip. The kids have not been there. Iceland, Ireland, England, and Amsterdam so far. I didn't think most people thought London was "reasonably priced"? Spain Spain Spain! Safe, modern, very inexpensive relative to most other western Europe...
by blaugranamd
Mon Jan 15, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Vanguard Yubikey-only option?
Replies: 42
Views: 5234

Re: Vanguard Yubikey-only option?

I should add that using the Yubikey option prevented my bank's aggregation website from pulling financial data, had to disable it so now I just manually enter the SMS whenever I want to update it. My Yubikey is now collecting dust... :(
by blaugranamd
Sat Jan 13, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Caribbean Recommendations
Replies: 3
Views: 720

Re: Caribbean Recommendations

Well, Petite St. Vincent has everything you want. https://www.nationalgeographiclodges.com/lodges/central-america-caribbean/petit-st-vincent-resort/about/#.WlmcQjdME2w . Their claim to fame is you raise the yellow flag for service, the red flag means give us some privacy. I've sailed past it a coup...
by blaugranamd
Fri Jan 12, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Caribbean Recommendations
Replies: 3
Views: 720

Caribbean Recommendations

Wife and I are looking to snow bird for a week down to somewhere in the Caribbean in February. We had a place picked out but it booked up by the time her work got her vacation time approved. So now I'm back to looking. Would really like to know if anyone had any good experience with particular resor...
by blaugranamd
Fri Jan 05, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 30310

Re: Anyone tired of the stock market going up?

essentially feel like I am getting paranoid waiting for a shoe to drop. Here's an idea that may drive you nuts for a while, but it works for me~ Don't read the financial paper, stay away from CNBC, don't go online to "peak" at your numbers. Try it for a week, then 2 weeks, a month, a quarter etc. A...
by blaugranamd
Tue Jan 02, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Opted into the new military retirement system/BRS
Replies: 57
Views: 4240

Re: Opted into the new military retirement system/BRS

dharrythomas wrote:
Tue Jan 02, 2018 1:17 pm
The matching goes into traditional. You don't gets deduction because it's not taxed until you withdraw it. Then it will be taxed.
This is correct if I recall my mandatory BRS training correctly.
by blaugranamd
Tue Jan 02, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 164
Views: 17964

Re: Max It Out Tomorrow [your IRA]

Any one else maxing out the IRA contributions all in one go in 2018? :sharebeer Nope. Not sure I'll have the necessary MAGI. I may pull the ripcord at Megacorp very soon. Interstate commute is killing me. In the meantime, I'll be front-loading 401(k) to maximize what I can defer (which in turn lowe...
by blaugranamd
Tue Jan 02, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 164
Views: 17964

Re: Max It Out Tomorrow [your IRA]

For those of you who are "all-in January" people, where do you get your funds from or where do you hold your funds until next year? 1. Borrow from emergency fund in January and rebuild over the year 2. Build up separate cash reserves to invest next January 3. Invest in the same funds as your IRA in...
by blaugranamd
Tue Jan 02, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 164
Views: 17964

Re: Max It Out Tomorrow

Can someone explain this to me? The market is fairly "high" right now....why would dumping $5500 into it today be better than breaking it up into 12-monthly installments for example? (which I have to do, no choice) Just curious. Thanks. Because I don't need it for 10+ years, maybe 20. I'm betting t...
by blaugranamd
Tue Jan 02, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5966

Re: Long Term House—Any Regrets on things you didn’t do?

Been in my house for 10 years now. Best thing I did was choose a house that didn't *need* anything done to it to satisfy our needs. Sure, there are minor projects that we've done purely for appearance but functionally the house is and was completely fine when we moved in. Just the way I like it...n...
by blaugranamd
Tue Jan 02, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 358
Views: 40501

Re: Netflix, Your Current Favorite Show

+1 for Longmire, just finished season 6.
by blaugranamd
Tue Jan 02, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 164
Views: 17964

Re: Max It Out Tomorrow [your IRA]

Any one else maxing out the IRA contributions all in one go in 2018? :sharebeer
by blaugranamd
Thu Dec 21, 2017 6:15 am
Forum: Investing - Theory, News & General
Topic: Quite a few people I know in real life that normally don't mess with finances have brought up investing in bitcoin
Replies: 74
Views: 7009

Re: Quite a few people I know in real life that normally don't mess with finances have brought up investing in bitcoin

Quite a few of the people I know in my friend circle have all of a sudden come out saying that they just started investing in bitcoin and want me to join the train. I have little interest in doing so as I have my own investments I do with vanguard. Am I wrong or ill informed to pass on this bitcoin...
by blaugranamd
Tue Dec 19, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: "Breaking the seal" on more expensive travel
Replies: 38
Views: 4324

Re: "Breaking the seal" on more expensive travel

First time was in medical school. We took an away month medical block in Africa and then had a month off, which we figured would be our last chance at a really long, crazy vacation, so we flew from Joburg to Europe and spent the entire month traveling and sightseeing. Spent a good $15k+ in total (be...
by blaugranamd
Sun Dec 17, 2017 8:58 am
Forum: Investing - Theory, News & General
Topic: Am I wrong in thinking about the bull this way?
Replies: 12
Views: 2252

Re: Am I wrong in thinking about the bull this way?

I have and continue to emphasize looking at your portfolio as shares that have value not dollar amounts. The ONLY reason we care about this issue is because the value of our shares is appraised in real time. If you have 100 shares of VTSAX, you don't have $6700 sitting around, you have 100 fractiona...
by blaugranamd
Sun Nov 19, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2830

Re: Are expensive tires worth it?

Tire Rack does actual test comparisons between tires that put stopping distance, handling, wet/snow traction, and the like to the test. There is a big difference between mediocre tires and high performance tires. My wife's Impala had these god awful Goodyear Integrity tires on them that would squeal...
by blaugranamd
Sun Nov 19, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 10274

Re: Thoughts about wearing a "uniform"/same thing everyday?

This is such an old man thread "thinking about clothes is hard, I'll wear the same thing every day." And it frightens me that I identify with it... :P :wink: :D Given I'm not THAT far along just yet I did a variation: 3-4 different pant styles, 10 dress shirts, hang them up randomly and wear them le...
by blaugranamd
Sat Nov 18, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4777

Re: Replace TVs with Smart Tvs or not?

Looking for some advice. We have 2 large Plasma Tvs that work just fine, but they are not smart TVs. Right now we have dish/dvr to watch TV (plan to get rid of that as well perhaps). We are just casual TV watchers (Less than 2 hours daily except for 1 weekly shows that gets recorded). Netflix is th...
by blaugranamd
Sun Nov 12, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3853

Re: What's your weighted average expense ratio?

Mine is probably around .25, I don't bother calculate it, but I don't understand the point of these constant comparison posts that have been appearing lately. Nobody learns anything from them. What does it matter if someone else answers .01, .1, or 1%? How does knowing that benefit anyone? It's not...
by blaugranamd
Mon Oct 16, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 3319

Re: 30th Anniversary of October 19, 1987 stock market crash

And if you invested $10k the day before that crash, you'd have $144k today. The worst market timing in history and you still make plenty of money by the time you retire. Stay the course, time in the market.
by blaugranamd
Sun Oct 15, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 4208

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

As for the second island to visit...the big island is really nice. Its our favorite anyway. Lava is currently flowing into the ocean so you can see lava up close if you hike to it. When you get to the end of the road turn right away from the ocean and hike for 30 min or so...look for groups of peop...
by blaugranamd
Sat Oct 14, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 4047

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

selters wrote:
Sat Oct 14, 2017 1:16 pm
In fact, according to these people AAPL is more diversified, since it is worth more than the S&P 600 index constituents combined.
Image
by blaugranamd
Fri Oct 13, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 5998

Re: Outback Vs Forester Vs CR-V ??

We have a 2016 Forester and it's been solid for 24k miles now. Feels very roomy. Gets 34mpg highway if you drive 65-70. Great visibility. Eyesight is great.
by blaugranamd
Wed Oct 11, 2017 4:54 am
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 2506

Re: Ecuador safe to travel and hike?

Haven't been there personally but always check the state department info if you haven't

https://travel.state.gov/content/passpo ... uador.html
by blaugranamd
Fri Oct 06, 2017 5:39 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 10779

Re: Buy on Really Bad Days, Sell on Really Good Days?

livesoft wrote:
Tue Oct 03, 2017 10:41 am
BW1985 wrote:
Tue Oct 03, 2017 10:39 am
I thought BH's don't market time? :confused
Diehards don't market time. But Livesofts do.
I just realized that connection for your handle. But to the question at hand: too much work.
by blaugranamd
Mon Oct 02, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 7230

Re: Are credit cards rewards worth it?

I charge everything on my credit card for the 2% cash back (citi double cash). I also like seeing how much I spent each month. I PAY MY BALANCE IN FULL EVERY MONTH. But I hate seeing that I owe. Id rather use my debt card. Is the 2% cash back worth it. Do you use debt or credit and if credit what r...
by blaugranamd
Sun Sep 24, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: My idea---four fund portfolio ?
Replies: 10
Views: 1335

Re: My idea---four fund portfolio ?

FSTMX and FTIGX and be done with it! :sharebeer
by blaugranamd
Tue Sep 19, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Active Duty Airmen(24) Looking to maximize investment potentional
Replies: 6
Views: 704

Re: Active Duty Airmen(24) Looking to maximize investment potentional

Deferred interest = hold off payment. But what you could do is look into opening a 529 account and putting money there to get tax breaks and then once your deferment is over you'll have the cash on hand to avoid paying interest at all. 5% TSP to get full BRS match is smart first, fill Roth IRA $550...
by blaugranamd
Mon Sep 18, 2017 5:24 am
Forum: Investing - Help with Personal Investments
Topic: Active Duty Airmen(24) Looking to maximize investment potentional
Replies: 6
Views: 704

Re: Active Duty Airmen(24) Looking to maximize investment potentional

Deferred interest = hold off payment. But what you could do is look into opening a 529 account and putting money there to get tax breaks and then once your deferment is over you'll have the cash on hand to avoid paying interest at all. 5% TSP to get full BRS match is smart first, fill Roth IRA $5500...
by blaugranamd
Fri Sep 08, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 4456

Re: Wanting a Portable Auto GPS

Consensus so far is to use an iPhone :( I don't have one nor want one, but getting one would be 2x - 4x the cost of a new stand alone GPS + $40-60 a month. If you already have and iPhone and already in a $ "plan" then I could see using it for GPS. My "smart phone" is used for emergency only @ $10 y...
by blaugranamd
Mon Sep 04, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need to Shred Old Checks? Old Credit Cards?
Replies: 18
Views: 2030

Re: Need to Shred Old Checks? Old Credit Cards?

I shred everything sensitive and use the shredded scraps as kindling for our backyard fire pit. They work great in this regard. :sharebeer
by blaugranamd
Fri Aug 25, 2017 5:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard two-factor (Yubi/SMS) and aggregator access
Replies: 1
Views: 696

Vanguard two-factor (Yubi/SMS) and aggregator access

Any way you all are aware of that you can get an aggregator, like Mint or USAA, to access Vanguard, even if just to pull balances, while also leaving 2-factor authentication on? It's not a deal breaker but I do like to have updated balances all in once place. For example, USAA will allow me to acces...
by blaugranamd
Fri Aug 18, 2017 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 17684

Re: Lost $7000 today in ONE DAY!

No one "lost" anything today. We all have the same number of shares we had 3 days ago. The ASKING PRICE for what you own went down. Unless you bought shares 3 days ago and sold today, you didn't lose anything. If someone walked up to your door today while your house was NOT for sale and told you the...
by blaugranamd
Fri Aug 11, 2017 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 7720

Re: Struggling with Justifying an Expensive Car Purchase

Financially you're doing great and can probably afford either. Just remember lifestyle creep is hard to roll back. I am also looking to replace my car in the next 1 to 2 years and struggle finding that balance. One you're used to $70k car and your wife's car needs replaced, that $35k car will seem f...
by blaugranamd
Sat Aug 05, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 79
Views: 8778

Re: Drinking water price craziness

Weird coincidence, but I was just reading this thread then made my way to Slickdeals and saw this reverse osmosis system for sale on the Front Page. Can't vouch for it, but talk about coincidence! https://slickdeals.net/f/10433348-ispring-5-stage-reverse-osmosis-drinking-water-filter-w-brushed-nicke...
by blaugranamd
Mon Jul 31, 2017 5:08 am
Forum: Investing - Help with Personal Investments
Topic: New military officer. Is the Roth TSP the obvious choice?
Replies: 37
Views: 3753

Re: New military officer. Is the Roth TSP the obvious choice?

To address the above O-6 talk, be aware that very few medical officer are getting to make O-6 anymore as master clinicians unless you're willing to dump most of the clinical aspects of your job and go down the leadership track: ie squadron commander, SGH, etc
by blaugranamd
Sun Jul 30, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: New military officer. Is the Roth TSP the obvious choice?
Replies: 37
Views: 3753

Re: New military officer. Is the Roth TSP the obvious choice?

If you end up with $120k+ in pensions between the two of you i'm not sure it will matter much how you invest. That being said, if you have $120k/y pensions with current dollars and tax brackets puts you in the same bracket at retirement. Could go either way.
by blaugranamd
Sun Jul 30, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: New military officer. Is the Roth TSP the obvious choice?
Replies: 37
Views: 3753

Re: New military officer. Is the Roth TSP the obvious choice?

Fellow military HCP here from a mil-mil dual HCP household. How much "tax free" money you're getting really shouldn't be a factor since it's still money, it just artificially improves your net income to that of someone making more money that is taxable. Sure, it feels nice to think you're taking "ta...
by blaugranamd
Sun Jul 30, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 36
Views: 6371

Re: NYT: Buy more takeout and hire a maid, study suggests

Depends. Some folks, like myself, find cooking at home enjoyable, therapeutic, and take a lot of pride in creating a great meal for themselves and others. Home chores is more variable. I take a lot of pride in my lawn, garden, etc and wouldn't pay anyone to do those for me. Now laundry, dishes, vacu...