Search found 385 matches

by blaugranamd
Fri Aug 18, 2017 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 179
Views: 14114

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: 5659

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: 80
Views: 7169

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: 3134

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: 3134

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: 3134

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 ...
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: 37
Views: 5874

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...
by blaugranamd
Sun Jul 30, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Living on a boat in HI to save money
Replies: 17
Views: 2811

Re: Living on a boat in HI to save money

4-8 hours a week each or combined? That's roughly an hour in traffic per day on average. Assuming both ways, that's a 30 minute drive in traffic. Why not just buy some nice bicycles? Oahu weather should be the perfect set up for that. Sell a car, cut gas, cut insurance, get in shape, no boat hassles...
by blaugranamd
Sun Jul 23, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11387

Re: What's your personal savings rate?

Projected family gross income = $168k Projected savings (TSP, Roth IRA, Extra mortgage payments, Taxable) = $78k Gross savings rate = 46% There's no consensus on what should be included because this number isn't really important. IMO, I'd include ANY you could spend but put towards some type of savi...
by blaugranamd
Thu Jul 20, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5692

Re: Would you let your teenager spend all his savings on a gaming computer?

He's in high school. He doesn't need to be mature enough to start a Roth IRA yet and, IMO, having the ethic to save period to get to this point is a good lesson as well. I dropped a similar amount of on a gaming computer out of high school when I started college. Sure, in retrospect it's was giant t...
by blaugranamd
Tue Jul 18, 2017 5:33 am
Forum: Investing - Theory, News & General
Topic: "How many funds do you really need to diversify"
Replies: 4
Views: 1207

Re: "How many funds do you really need to diversify"

I think I've said this same thing in my signature for a while now. great minds think alike
by blaugranamd
Wed Jul 12, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5418

Re: $1368 for new shocks/struts on '05 Corolla?

IF you go the DIY route, the Haynes manuals are worth their weight in gold in terms of step by step breakdown of nearly every repair... Or perhaps the OP hasn't considered DIY a possibility. I never did until I got quoted $1500 for this same job on a car worth $2000. Bought the Haynes manual, strut...
by blaugranamd
Wed Jul 12, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5418

Re: $1368 for new shocks/struts on '05 Corolla?

IF you go the DIY route, the Haynes manuals are worth their weight in gold in terms of step by step breakdown of nearly every repair: m Only on BH, somebody asking about new shocks/struts would be advised to go ahead and do it yourself! Are you guys really that clueless to realize somebody asking th...
by blaugranamd
Wed Jul 12, 2017 5:59 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5418

Re: $1368 for new shocks/struts on '05 Corolla?

I did this with minimal mechanical experience on my old 97 Jetta about 8 years ago with KYB struts and a borrowed spring compressor from Auto zone. Was pretty easy, but steering wheel was permanently turned about 5 degrees right afterwards, drove straight and was in alignment anyway, can be done wit...
by blaugranamd
Thu Jul 06, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Investment Options
Replies: 5
Views: 549

Re: Taxable Account Investment Options

Roth IRA yet?

To answer your question though, I hold VWITX (Int term muni bonds) and VTSMX (total stock mkt) in taxable
by blaugranamd
Sun Jun 25, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Worth it to attempt repair on A/C condenser?
Replies: 33
Views: 2194

Re: Worth it to attempt repair on A/C condenser?

Perfect example of bad capacitor vs good capacitor. Notice the bulging of the top under the connectors

Image
by blaugranamd
Sun Jun 25, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 4542

Re: Google Fi? pros/cons? anyone using it?

TIAX wrote:Many MVNOs, including Google Fi, have issues with short SMS (such as for two factor authentication).


I've never had an issue with SMS two-factor from Vanguard. Always shows up seconds after I log in. YMMV
by blaugranamd
Sun Jun 25, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Worth it to attempt repair on A/C condenser?
Replies: 33
Views: 2194

Re: Worth it to attemp repair on A/C condenser?

I would try replacing the capacitor. It is not expensive and it is easy to replace. If that is not the problem, you have lost little. Be sure the power is off when you replace it. This. Post a picture of the capacitor. If the top is bulging, the capacitor is shot. Make sure you replace it with the ...
by blaugranamd
Thu Jun 22, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Questions for DieHards after reading "The Bogleheads' Guide to Investing"
Replies: 41
Views: 3957

Re: Questions for DieHards after reading "The Bogleheads' Guide to Investing"

There's a general feeling for new investors, especially after reading some of our required reading, that you have to invest with Vanguard to adhere to these principles. This is not the case. If you have $1000 to invest you can use a Target date fund or if you want to have your own individual mutual ...
by blaugranamd
Wed Jun 21, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 4542

Re: Google Fi? pros/cons? anyone using it?

Google Fi uses the following carrier networks: - Sprint - T Mobile - US Cellular If you install the Phono app, you'll see an icon with the network you're currently using that changes as you move about. On the east coast, US Cellular roams to AT&T, so my phone spends time on T-Mobile, Sprint, an...
by blaugranamd
Wed Jun 21, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need help deciding fund to choose for 401k
Replies: 13
Views: 589

Re: Need help deciding fund to choose for 401k

You could always just use the iShares S&P fund and over time move all your roth assets to extended market (VEXMX) and international (VGTSX) funds to maintain your desired AA. IIRC, somewhere between 4:1 or 3:1 ratio of S&P500:Extended Market gets you the equivalent of Total stock market (VT...
by blaugranamd
Wed Jun 21, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 4542

Re: Google Fi? pros/cons? anyone using it?

Google Fi uses the following carrier networks: - Sprint - T Mobile - US Cellular We have had it for a year now, both with Nexus 5x devices and are very happy. FWIW, Google phones get new Android updates as soon as they are developed. Other carriers using other Android devices can be behind 6-12 mont...
by blaugranamd
Wed Jun 21, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need help deciding fund to choose for 401k
Replies: 13
Views: 589

Re: Need help deciding fund to choose for 401k

You could always just use the iShares S&P fund and over time move all your roth assets to extended market (VEXMX) and international (VGTSX) funds to maintain your desired AA. IIRC, somewhere between 4:1 or 3:1 ratio of S&P500:Extended Market gets you the equivalent of Total stock market (VTS...
by blaugranamd
Tue Jun 20, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 89
Views: 6756

Re: Should I buy an $800k house?

Thesaints wrote:If you have 220k in cash, why do you carry a car loan (which also forces you to pay for full comprehensive insurance) ?


I was wondering the same thing.
by blaugranamd
Sun Jun 18, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 5449

Re: Best Financial Advice from Dad (in honor of father's day)

Never really talked finances with my dad, but he certainly showed the example of living frugally. I have no idea if he lived at, above, or below his means cause I haven't a clue how they are doing but they've always lived comfortably. :confused
by blaugranamd
Sun Jun 18, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13852

Re: Anyone else gotten totally bored with investing?

Isn't boredom part of the Boglehead philosophy? Make investing so passive you can spend your time doing something else?
by blaugranamd
Sun Jun 18, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 29
Views: 2237

Re: USAA opinions. Worth it?

We have USAA for banking and insurance. But don't think because of the "exclusivity" of membership requirements there's much special about them. They have been very good from a customer service perspective. Otherwise they're not necessarily anything special.
by blaugranamd
Sun Jun 18, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 12974

Re: Who takes financial chances and why is this forum so financially conservative?

Au contraire! When I talk to friends I am by far the most financially aggressive. But I don't take unnecessary risks. Consider: 1. I use intermediate-term treasuries both as my emergency fund and as a 5-10% bond allocation. 2. I am effectively 100% equities with extra-volatile allocations to SCV, E...
by blaugranamd
Sun Jun 18, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2806

Re: Need WIFI repeater or second router Advice

Currently have Verizon FIOS with their provided router and have terrible WIFI on the other side of my house - maybe 50 feet away. I've read I can do a repeater or add a second router that is connected with a Ethernet cable. The reviews on repeaters are iffy and there appears to be a lot of setup wi...
by blaugranamd
Sun Jun 18, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Options for Saving for a First-Home Down Payment
Replies: 25
Views: 1912

Re: Options for Saving for a First-Home Down Payment

1-3% compounded over 2-3 years with a savings rate to give you $20k during that time is gonna amount to a few hundred dollars with less than a few hundreds in differences between the options. You're obsessing over vehicles that will, at best, net you an extra $100-300 dollars before you have to hand...
by blaugranamd
Sun Jun 18, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected raise while househunting-- should I change my budget?
Replies: 21
Views: 2492

Re: Unexpected raise while househunting-- should I change my budget?

Unless you're looking in a very expensive metro and your current budget is a severe compromise from what you want, I would not change a thing. We all run into this issue from time to time: new or increased income and our first thought is "what do I spend it on?" and that usually defaults t...
by blaugranamd
Fri May 12, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: What do I do with 2018 Roth IRA money today?
Replies: 13
Views: 1588

Re: What do I do with 2018 Roth IRA money today?

I would invest it the way it would be invested in the Roth. If there is a gain, then I would just see how much taxes I would owe by selling in December, in January, and next May. In May, gains would be long-term. If there is a loss, tax-loss harvest in December or sooner. This assuming you have no ...
by blaugranamd
Sat Apr 29, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance? How much to get? How much do people have?
Replies: 8
Views: 869

Re: Auto Insurance? How much to get? How much do people have?

We carry 300/500/100 because it's the minimum for our umbrella coverage. Full on our 2016 Forester, no comp/coll on the 2009 Legacy. Roadside is like $2 per year.
by blaugranamd
Fri Apr 28, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 49
Views: 6038

Re: One Fund? Really?

I am 57 and since I want to retire at 68, I only have 11 years of tolerance to large market swing (i.e, probbaly only one more crash) before I need the money to live without working. You are misleading yourself in a very common way. Your investment horizon is NOT 11 years, but rather to your life e...
by blaugranamd
Fri Apr 28, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 49
Views: 6038

Re: One Fund? Really?

Don't let the notion of "one fund" fool you. You have to get a good understanding what what a fund is to overcome this mental road block. If you own one fund that holds 10k stocks and get 7% return per year rather than owning 3 funds that own the same stocks split into three groups that on...
by blaugranamd
Sun Apr 23, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 21456

Re: Any regrets living a frugal life for high income/high networth individuals?

The bottom line is this: if you're on pace to hit your goals financially and are still restricting yourself from things you can afford and would enjoy you're probably going to regret things. You might not be healthy enough to hike Kilimanjaro at 60 but you might have to splurge to do it in your 30s....
by blaugranamd
Fri Apr 21, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 14676

Re: Too much inheritance to handle. Advice needed

I get saddened reading such scumbaggery. What makes you think that this is without a doubt, scumbaggery? I don't know nearly as much as most of you do, but everyone is saying get out. What are the red flags that you see and everyone else is seeing? THe read red flag that I saw was the fees attached...
by blaugranamd
Sat Apr 15, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3725

Re: Yet another Vanguard study on DCA vs Lump Sum

The often overlooked component of this is that, in general, expected return is POSITIVE, so between any Day A and Day B the expectation is the share price will INCREASE. Thus, any DCA strategy is more likely to result in purchasing shares at a progressively higher price. The evidence-based investor,...
by blaugranamd
Sat Apr 08, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: taxable muni VWITX- tax loss harvesting
Replies: 8
Views: 1003

Re: taxable muni VWITX- tax loss harvesting

This should be simple. I own this fund and thought with these interest rate hikes I might have a TLH opportunity. Sell the losing shares, put proceeds into VG Limited Term Tax Exempt fund, after wash sale period sell those and repurchase VWITX. While probably not a big deal, I disagree with moving t...
by blaugranamd
Sat Apr 08, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 5437

Re: Vanguard Taking-In $2 Billion a Day in New Cash

Could this eventually create a Problem for us though? If a ton of new to indexing investors are pouring money into these funds then next market correction panic cause they're not committed Bogleheads, couldn't this kill tax efficiency and NAV beyond what the underlying stocks experience?
by blaugranamd
Thu Apr 06, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 9901

Re: Buying expensive car, how to keep payments low?

Hi all, I have recently found this wonderful online community and started saving and investing in 401k. I am 34 and wife is 32. I drive a RAV4 V6 which I will be done paying for in two months and my wife drives 328i and the lease is up in June this year. My mentality has changed in the last couple ...
by blaugranamd
Wed Apr 05, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: replace or keep car with 60k miles?
Replies: 39
Views: 3203

Re: replace or keep car with 60k miles?

Oil changes aren't going away with a different vehicle and are we supposed to be paying property tax on cars we already own? Cause I sure haven't. Maybe I'm confused here. If you have paid the car off, you're considering stepping down to a much smaller, much less powerful. Trading 36/25 mpg for 40/3...
by blaugranamd
Sat Apr 01, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Physician-Resident looking for Portfolio Advice
Replies: 34
Views: 3139

Re: Physician-Resident looking for Portfolio Advice

One thing you COULD consider is viewing your loans as your "bond" allocation for now: aka your investments are 100% stocks and the money you are allocating to bond funds goes into student loan payments. 3.5% is pretty good for medical school loans, but bond returns are pretty similar if n...
by blaugranamd
Sat Apr 01, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Physician-Resident looking for Portfolio Advice
Replies: 34
Views: 3139

Re: Physician-Resident looking for Portfolio Advice

One thing you COULD consider is viewing your loans as your "bond" allocation for now: aka your investments are 100% stocks and the money you are allocating to bond funds goes into student loan payments. 3.5% is pretty good for medical school loans, but bond returns are pretty similar if no...
by blaugranamd
Sat Apr 01, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 4548

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

I decided to DCA this $100K investment, and I will accept it if I don't gain as much in the end by doing it. I sold off about $95K. I ended up selling those shares at total of a $540 short-term gain (minus 2017 taxes). I'm going to invest that $95K in a variety of mutual funds and then add some eac...
by blaugranamd
Fri Mar 31, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: How do credit cards with rotating categories make money for credit card companies?
Replies: 16
Views: 1679

Re: How do credit cards with rotating categories make money for credit card companies?

They eat a loss on transactions in those categories, but meanwhile they get you using their card for all your other transactions. Then you start carrying a balance and they get to charge 20% interest. All it takes is one account running a balance to support dozens of customers who are getting cheap...
by blaugranamd
Fri Mar 31, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 4548

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

In discussion of DCA vs lump, the conversation always centers around avoiding loss. But what seems to always get overlooked is missed gains and the potential for magnifying losses. If the market goes up the entirety or even the majority of purchase points during your DCA time frame (like it has been...
by blaugranamd
Mon Mar 27, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 7303

Re: Weathering sell-off days like today

Easy to say and hard to do--- Don't look today and remember the long term goal of investing. +1 Don't look. Save more and invest as normal. Why are you even looking? Go get a hobby. Yup, if you have no need for the money and weren't already planning to sell, why are you even checking prices? Commit...