Search found 168 matches

by cbr shadow
Wed Jul 26, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: Time, not material goods, 'raises happiness'
Replies: 38
Views: 3687

Re: Time, not material goods, 'raises happiness'

If anyone out there hasn't come up with a dollar value for your free time, I would encourage them to do so. How would one go about doing that? I wouldn't know where to start. Here is my example with various assumptions: - I value my life at $12m. - I have 40 years left to live: 20 healthy years and...
by cbr shadow
Fri Jul 07, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Should I still buy index funds now at such a high price before an impending recession?
Replies: 59
Views: 7788

Re: Should I still buy index funds now at such a high price before an impending recession?

JonnyDVM wrote:Personally I think this is a troll. The name Summer2017 is most suspect. Regarldless, my advice for anyone thinking this would be four simple words- Read the Wiki.


Three simple words. ;-)
by cbr shadow
Wed Jul 05, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I still buy index funds now at such a high price before an impending recession?
Replies: 59
Views: 7788

Re: Should I still buy index funds now at such a high price before an impending recession?

To answer your question very clearly; yes it's best to buy low and to sell high. You wont find Bogleheads selling all of their stocks right now though. Generally (as you can see from the above posts) bogleheads believe that nobody knows what's going to happen in the market, and that the market will ...
by cbr shadow
Mon Jul 03, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help a 21 y/o Vanguard Investor with a Taxable Account
Replies: 55
Views: 3101

Re: Help a 21 y/o Vangaurd Investor with a Taxable Account

Thanks for any help you can provide. I'm a 21 year old that graduated in 2016 that has had a full time job since September. I have had the advantage of living rent free, but will begin paying rent starting in September. I used that time to start investing. I set aside 10% of my salary for my employ...
by cbr shadow
Wed Jun 21, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement
Replies: 21
Views: 3442

Re: Early retirement

I agree with the previous advice that you should manage the asset allocation of your investments as a whole but that each individual account does not have to have the same AA. You are planning on accumulating enough assets in 10 years to support a 50 year retirement. Forget everything that you have...
by cbr shadow
Wed Jun 21, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement
Replies: 21
Views: 3442

Re: Early retirement

I agree with the previous advice that you should manage the asset allocation of your investments as a whole but that each individual account does not have to have the same AA. You are planning on accumulating enough assets in 10 years to support a 50 year retirement. Forget everything that you have...
by cbr shadow
Wed Jun 21, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Does geico provide a decent homeowners insurance?
Replies: 11
Views: 1405

Re: Does geico provide a decent homeowners insurance?

Agreed with the above. I'll add that GEICO was great to deal with for getting a quote and making a claim for our homeowners insurance policy. Ours was underwritten by Foremost. Geico's prices were less than the competition so we ended up going with them.
by cbr shadow
Thu Jun 15, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Prices, expecting over listing?
Replies: 8
Views: 901

Real Estate Prices, expecting over listing?

I'm in sales and I am confused about real estate pricing. In basically every other type of sales if you put an item up for sale and you get TONS of interest right away and people throwing money at you for that item, you've almost certainly priced it too low. If you get offers ABOVE what you're askin...
by cbr shadow
Wed Jun 14, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Expenses out of line?
Replies: 16
Views: 612

Re: 401k Expenses out of line?

Wow. Those fees seem really high to me. I guess it really is a matter of how much of the fees the employer absorbs. My employers is roughly the same size, employees pay no adviser or administrative fees. Just the underlying fund fees. Lots of very low cost funds, and Brokerage window at Fidelity. E...
by cbr shadow
Wed Jun 14, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Expenses out of line?
Replies: 16
Views: 612

Re: 401k Expenses out of line?

Sure, it is still worth contributing at least to get the company match. Above the company match, you should contribute to your IRA(s). Once IRA's are maxed out, then it gets complicated whether you should take the tax benefits of 401k vs lower costs of brokerage account. The company matches 20% of ...
by cbr shadow
Wed Jun 14, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Expenses out of line?
Replies: 16
Views: 612

Re: 401k Expenses out of line?

Yes, I would say it's worth it to contribute to this plan, not only to get the match but also for the tax-advantaged space as you're in a high tax bracket. As mhalley has indicated, it doesn't look like your plan hits that 1.7% that makes it untenable to invest in it. Since your employer is a small...
by cbr shadow
Wed Jun 14, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Expenses out of line?
Replies: 16
Views: 612

Re: 401k Expenses out of line?

Is the advisor fee for everyone, it only for those that use the advisor? In any event, the wiki states that fees up to 1.7% make a 401k worthwhile at a 15% divixend tax bracket. ]A reasonable rule-of-thumb is to consider investing in a taxable account if the product of the extra costs and the numbe...
by cbr shadow
Wed Jun 14, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Expenses out of line?
Replies: 16
Views: 612

401k Expenses out of line?

I made a post a while ago about my 401k plan that I recently started participating in at the company I've been with for about a year. It's a small company of about 45 people. The 401k plan has a "Plan Adviser" (Savant), and a "Plan Custodian" (Newport Group). The adviser has been...
by cbr shadow
Thu Jun 08, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 6132

Re: How to deal with a personal finance cynic

When I was first getting started with investing I probably would have felt the same way about Bogleheads as your friend does.. You read a lot of posts with huge incomes and it can be demotivating. I started with Mr Money Mustache, which in my opinion is very inviting to low income earners since it f...
by cbr shadow
Wed Jun 07, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Educate me on Ibonds
Replies: 6
Views: 1045

Educate me on Ibonds

I see often on these forums people talk about Ibonds. I don't have any.. should I? Based on some forum posts I've read there are limits to the amount you can buy each year. Correct? What accounts are best (401k, RothIRA, Taxable) to keep them in? How do you purchase them? Are there limits to how man...
by cbr shadow
Wed Jun 07, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Strange 401k Plan?
Replies: 4
Views: 458

Strange 401k Plan?

I've been at my company for about 10 months, and have been able to participate in the 401k plan for the last 4 months. The company matches 20% of whatever we contribute. The match seems odd (not a 1:1 match up to a percentage) but that's not what this post is about. We had the "401k Admin"...
by cbr shadow
Mon Jun 05, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 6673

Re: Pimp my DW's ride.

Have you considered a Honda Fit?


;-)
by cbr shadow
Mon May 22, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: What to do w/ $60k Lump Sum?
Replies: 33
Views: 2506

Re: What to do w/ $60k Lump Sum?

Isn't paying the mortgage balance down to below PMI levels equivalent of getting a nearly guaranteed 8.2% return? The PMI is $192/mo for 54 months or $10,400. Subtract out some administrative expenses. On $44K, that's 23.5% or 4.7% a year. Plus the 3.5% of the actual mortgage rate. That's 8.2%. Wha...
by cbr shadow
Mon May 22, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 17
Views: 1729

Re: Galapagos Trip, Suggestions

Thanks for all of the tips so far!
As for our diving experience, we have 20 dives under our belt right now. Hopefully we can get 5 or so more while in Galapagos.
by cbr shadow
Sun May 21, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 17
Views: 1729

Galapagos Trip, Suggestions

I posted here recently about a South Africa trip my wife and I were planning, but the general consensus was that our 10 day timeframe was not long enough for that trip after accounting for the travel time. We'll save that for next year when I have more available vacation time. Next on our list of pl...
by cbr shadow
Fri May 19, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Updates to our financial situation & a few questions..
Replies: 15
Views: 1280

Re: Updates to our financial situation & a few questions..

looks good. if you do DCA, what will you invest the rest of it while waiting? high-yield savings? you can use a target date account and adjust bond allocation. but if you are going to have so much VTSAX, why not just buy the components (US TSM, Total Int'l, Total Bond) and adjust the bond allocatio...
by cbr shadow
Fri May 19, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account dividend reinvestment setting?
Replies: 4
Views: 311

Taxable Account dividend reinvestment setting?

There was a reason when I setup my Vanguard taxable account that I did not allow for reinvesting dividends. Is there any reason to NOT reinvest dividends? I have almost 100% VTSAX in that taxable account and every quarter I notice I have money in the money market account just sitting there rather th...
by cbr shadow
Wed May 17, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Updates to our financial situation & a few questions..
Replies: 15
Views: 1280

Re: Updates to our financial situation & a few questions..

looks good. if you do DCA, what will you invest the rest of it while waiting? high-yield savings? you can use a target date account and adjust bond allocation. but if you are going to have so much VTSAX, why not just buy the components (US TSM, Total Int'l, Total Bond) and adjust the bond allocatio...
by cbr shadow
Wed May 17, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Updates to our financial situation & a few questions..
Replies: 15
Views: 1280

Re: Updates to our financial situation & a few questions..

Does your stock allocation include any international exposure? If so you may want to consider adding some VTIAX to taxable. Holding international stocks in taxable accounts is beneficial so that you can take advantage of the foreign tax credit (and can allow for tax loss harvesting due to fluctuati...
by cbr shadow
Wed May 17, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Updates to our financial situation & a few questions..
Replies: 15
Views: 1280

Re: Updates to our financial situation & a few questions..

Are you doing 95/5 because you do not have room for bonds in other accounts? At 33, 80/20 or 85/15 might be a better place to be. Since you are a CA resident, Vanguard has an Intermediate-Term California (and Federal) Tax-Exempt bond fund. I assume you are in the 28% or close to 33% federal tax bra...
by cbr shadow
Wed May 17, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Updates to our financial situation & a few questions..
Replies: 15
Views: 1280

Re: Updates to our financial situation & a few questions..

looks good. if you do DCA, what will you invest the rest of it while waiting? high-yield savings? you can use a target date account and adjust bond allocation. but if you are going to have so much VTSAX, why not just buy the components (US TSM, Total Int'l, Total Bond) and adjust the bond allocatio...
by cbr shadow
Wed May 17, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Updates to our financial situation & a few questions..
Replies: 15
Views: 1280

Updates to our financial situation & a few questions..

My wife and I are both 33 yrs old and work in the SF Bay Area. Her Salary: $135k base + Bonus (Bonues varies, minimum of $20k) His Salary: $82k Current Net Worth: ~$450k 401k Her: Max ($18k) 401k His: Max ($18k) Roth IRA Her: Max ($5.5k) Roth IRA His: Max ($5.5k) Taxable Vanguard Joint: Any extra, (...
by cbr shadow
Wed May 17, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: FIL's $100k Question
Replies: 5
Views: 732

FIL's $100k Question

I'm posting this question for my father-in-law. He's 70 year's old and retired with the exception of some contract work every once in a while. My MIL still works, but likely will retire in the next year or so. Between a modest pension, social security, and some modest savings (invested with a financ...
by cbr shadow
Thu May 11, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 19332

Re: Why save so much for when you're old?

I was thinking the same thing. +2. FWIW, my wife and I maxed out both our tax-deferred retirement accounts when we first married (4yrs ago) and our income was about half of $160k, and we had an infant and we aren't misers (well, she isn't). My SO and I work in the Bay Area and gross approx $190-$20...
by cbr shadow
Thu May 11, 2017 5:22 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 19332

Re: Why save so much for when you're old?

My wife and I only gross about 160k combined and yet we manage to dine out weekly, attend plenty of concerts and plays, travel relatively lavishly (annual two week trips to either the west coast and Europe while staying at well appointed Airbnb properties + a week at the beach + multiple long weeke...
by cbr shadow
Thu May 11, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Trip to South Africa in November - Advice
Replies: 24
Views: 1608

Trip to South Africa in November - Advice

My wife has wanted to go to South Africa for a long time so we're finally going to do it in November. We have lots of Chase Ultimate Rewards points that we'll be using to get there. I'd like Bogleheads advice on every aspect of the trip: What to do, where to go, must do's, things to avoid, etc.. We'...
by cbr shadow
Tue May 09, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 27427

Re: Where to Live on $60K or Less a Year?

Based on the comments given, and our first-impression thoughts of a location (for example, regardless of how wonderful somewhere in Washington State or upstate New York might be, it is simply too far away from my wife's family for her to consider living there).... Realize that you've added another ...
by cbr shadow
Wed May 03, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Finding the best savings account
Replies: 7
Views: 792

Finding the best savings account

I currently only have a checking account for cash, and would like a "high interest" savings account. What's currently the best high interest savings account available? If you can't provide a specific one, what percentage APR should I look for? If it matters I'm located in San Francisco, CA...
by cbr shadow
Fri Apr 28, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Joint Taxable Account: Confirming Bank?
Replies: 3
Views: 547

Vanguard Joint Taxable Account: Confirming Bank?

My wife and I have a joint taxable account at Vanguard. We've funded this account through Vanguard when we opened it. Today I tried to add funds to that account from our joint checking account, but I'm getting the error: Bank account needs authorization This bank account needs to be authorized by on...
by cbr shadow
Fri Apr 21, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform and Impact on 401(k) [Wall Street Journal article]
Replies: 11
Views: 1295

Congress eyeing 401(k)'s?

I've read a few articles about this recently and wanted to see what Bogleheads thought. Most recently I saw this in the WSJ, but since that's behind a paywall it's not accessible to everyone. I've posted a similar article below which references the WSJ one. What are your thoughts on this? Is this li...
by cbr shadow
Thu Apr 06, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 9670

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

Get a Honda Fit instead.
by cbr shadow
Tue Mar 28, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor vs MLS Listing Service
Replies: 13
Views: 893

Re: Realtor vs MLS Listing Service

The home will also be unoccupied, so I’m motivated to sell it as quickly as possible. -Ryan Have you considered auctioning it if you want it sold ASAP? Might save on the commissions but I have no idea what an auctioneers commission is. I haven't, but I'm not sure I'd be comfortable dealing with an ...
by cbr shadow
Tue Mar 28, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor vs MLS Listing Service
Replies: 13
Views: 893

Re: Realtor vs MLS Listing Service

Will the MLS service also provide and place a lockbox on the unit? If not, who is going to show the place and how will that happen? Good point. I'll need to look into this, Although it may not be an issue since we have an electronic lockset on our front door with a key code. Keys are still availabl...
by cbr shadow
Tue Mar 28, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor vs MLS Listing Service
Replies: 13
Views: 893

Realtor vs MLS Listing Service

I’ve decided to sell my one and only rental property in the Chicago suburbs. My property manager is also a good realtor and agreed to 5% split commission, so I’ve been thinking I would go with her, but haven’t signed an agreement yet. A friend of mine suggests I use a single-fee MLS listing service ...
by cbr shadow
Fri Feb 24, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking Rwards Points?
Replies: 3
Views: 327

Tracking Rwards Points?

I'd like to find a single place where I can track all of my rewards points. I found an app recently, but it wouldn't track Marriot points, which was the only one it wouldn't track. I'd basically like to track Marriott and Chase rewards points and would like the ability to combine users if possible (...
by cbr shadow
Thu Feb 16, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331799

Re: What's Your Credit Card Rewards Strategy?

My wife and I recently both applied for the Chase Reserve card for the 100k point sign up bonus after spending $4,000 in the first 3 months. Our next payment will put us over that $4000 limit on each card, so we'll get the points. I'm hoping to open another Chase credit card to use it for the sign u...
by cbr shadow
Fri Jan 27, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Issue - Advice needed
Replies: 17
Views: 1637

Re: Rental Issue - Advice needed

The aquarium bag doesn't say "do not flush" on it.. but neither does a box of nails! hahaha I wouldn't think either would need such a label. I think you're likely right that I'm going to be on the hook for the $$$. Very frustrating, especially considering the tenants attitude about being p...
by cbr shadow
Fri Jan 27, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Issue - Advice needed
Replies: 17
Views: 1637

Rental Issue - Advice needed

I posted on here recently with a question about whether it's worth keeping my rental property or not. Generally the answer was "no", so I decided after reviewing the numbers that we would sell it when the current tenant moves out 4/1/2017. I mentioned that we've always had very good tenant...
by cbr shadow
Mon Jan 16, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Worth keeping rental? (Numbers included)
Replies: 3
Views: 508

Worth keeping rental? (Numbers included)

My wife and I live in San Francisco Bay Area where we are both employed, but we own a house in a Chicago suburb that we rent out. We lived in the house originally, then moved and decided to be landlords. As our current tenant gets near the end of their lease I'd like to consider if it's worth keepin...
by cbr shadow
Wed Jan 11, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3164

Trip to Kona, Hawaii - Suggestions

My wife and I are flying to Hawaii in about 3 weeks for a week-long vacation. We've been to Maui many years ago, but nowhere else in Hawaii. My wife picked Hawaii because she wanted to see/hike on a volcano. What are the best things to do in this area? We are Open Water Certified for scuba diving, s...
by cbr shadow
Mon Jan 09, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income questions
Replies: 4
Views: 682

Re: Roth IRA income questions

Bump - any help appreciated
by cbr shadow
Sun Jan 08, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income questions
Replies: 4
Views: 682

Roth IRA income questions

I'd like to contribute to Roth IRA's for my wife ($5500) and myself ($5500) for 2016, but I'm not sure if we're eligible or not. We lived in Australia until April 2016 (Getting paid in AUD, but still paying some US taxes on that money). Then we moved to California and now both work for USD. We ended...
by cbr shadow
Thu Jan 05, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 30032

Re: Chase Sapphire Reserve: Too good to be (completely) true

Is there any reason my wife and I can't both sign up for a card and take advantage of the signup bonus twice? She applied and was approved this morning. I assume she should refer me to get extra (I believe 10k) points? Note: We wont have any issue hitting the minimum spend for (2) cards in the first...
by cbr shadow
Tue Dec 27, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Brother buying new car
Replies: 4
Views: 706

Brother buying new car

My brother asked me for advice on buying a new car for his wife/kids. He's nervous about the negotiating part of buying a new car. I'd do it for him, but I'm located across the country. When I bought a new car about 6 years ago I used a method that worked great: calling multiple dealerships and maki...
by cbr shadow
Tue Dec 20, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 8769

Re: Hard Endeavor/Exercise in Middle Age

I'm similar aged (33) and have a similar background with football/wrestling and just droning to the gym 3x per week to stay reasonably fit. Then two years ago I decided to get a road bike and do some cycling with a friend of mine. This really woke up a competitive spirit that I had in my early 20's ...

Go to advanced search