Search found 24 matches

by j7se
Mon Sep 18, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 22
Views: 2070

Re: Any Ford Escape drivers in Boglehead-land?

I have a 2017 Escape AWD as a work vehicle. I've only put 10k miles on it so far but no complaints here. I am averaging 24mpg combined city and highway driving. I do a good deal of highway driving though. I drive a lot and have had many different vehicles and can be nitpicky. If I had to nitpick it...
by j7se
Fri Sep 15, 2017 4:17 am
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 22
Views: 2070

Re: Any Ford Escape drivers in Boglehead-land?

I have a 2017 Escape AWD as a work vehicle. I've only put 10k miles on it so far but no complaints here. I am averaging 24mpg combined city and highway driving. I do a good deal of highway driving though. I drive a lot and have had many different vehicles and can be nitpicky. If I had to nitpick it ...
by j7se
Sun Jul 23, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone set portfolio goals and rewards?
Replies: 35
Views: 2306

Re: Does anyone set portfolio goals and rewards?

I focus more on income/spending targets when it comes to splurges. For example, we want to keep our committed expenses (fixed costs plus subscriptions, groceries, home maintenance) below 50% of our gross income. So if we are below that target and want to increase our fixed expenses - with a new car...
by j7se
Sat Jul 22, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone set portfolio goals and rewards?
Replies: 35
Views: 2306

Re: Does anyone set portfolio goals and rewards?

OP, I have my eyes set on buying a 3K to 5K foldable electric bike when I reach my FI number. KlangFool I hope you enjoy it. Congrats on your recent milestone btw. Have you ever treated yourself to something up to this point due to your progress? I don't. I'm in the accumulation phase and won't cou...
by j7se
Sat Jul 22, 2017 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone set portfolio goals and rewards?
Replies: 35
Views: 2306

Re: Does anyone set portfolio goals and rewards?

I like bobcat2's funded ratio https://www.bogleheads.org/forum/viewtopic.php?t=219878 as a metric. I was thinking as long as one was at least at target or maybe 1.x target, some set rewards may be appropriate. Another option would be some combination of metrics, such as meeting the funding ratio and...
by j7se
Fri Jul 21, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone set portfolio goals and rewards?
Replies: 35
Views: 2306

Does anyone set portfolio goals and rewards?

I have been wanting to fly ppg for several years now. However, savings has come first and with good reason as it's hard to justify buying something that serves no practical purpose to put off savings that can be life altering. It would also be a selfish purchase as no one else in my family would use...
by j7se
Sat Jun 24, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my 92 yo grandfather
Replies: 11
Views: 990

Re: Help me help my 92 yo grandfather

I figured staying out would be the general consensus and after speaking with my father decided I will keep out of this. Thanks for your help.
by j7se
Sat Jun 24, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my 92 yo grandfather
Replies: 11
Views: 990

Help me help my 92 yo grandfather

My grandfather has been investing in individual stocks for as long as I can remember. He and I were talking recently about investing and I showed him my portfolio and told him many things that I've learned from this forum. He told me that he would like me to manage* one of his accounts for him as he...
by j7se
Thu Mar 30, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Economics of Charging an Electric Car
Replies: 85
Views: 6927

Re: Economics of Charging an Electric Car

I own a Nissan Leaf. I used a kill-a-watt meter all last year and between charging the electric car and my freezer I used $180 in electricity at $.09/kw. So 15/month. Beats the 15 mpg SUV I sold to buy it. This works out to around $.025/mile. Had it for 2 years and had been a great car.
by j7se
Thu Feb 02, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save?
Replies: 39
Views: 5266

Re: How do you save?

by Meg77 » Thu Feb 02, 2017 1:37 pm What if the maximum you could put into a 401k was $50,000? What if you could put $25K a year into a Roth IRA? What if there were no retirement accounts - then how much would you invest each year? Probably less than you are saving now. Find a target percentage of ...
by j7se
Wed Feb 01, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save?
Replies: 39
Views: 5266

Re: How do you save?

j7se wrote: I don't plan on my income, at least in my current career, to drastically increase. This is mainly due to the fact that I highly value my autonomy and have no desire to have to go to an office for the 9-5. Done it and wasn't for me. This is what the ladder climb would require. We all hav...
by j7se
Wed Feb 01, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save?
Replies: 39
Views: 5266

Re: How do you save?

gunn_show wrote: monsterid wrote: The way I've always done it is to find more ways to make money. Seems like you are thinking of this with the constraint of making $90k for the HH, but what if you made $100k? Only a c.10% increase and might be achievable with some small side-gigs. That money would ...
by j7se
Wed Feb 01, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: How do you save?
Replies: 39
Views: 5266

How do you save?

I have been thinking lately that I may need to relax my savings. With a 90k HH income with kids and a STAH wife, it has been mildly burdensome to max all available tax advantaged accounts. I have only been doing this for 2 years now and it has gotten easier, but I had a new thought today. My idea wa...
by j7se
Sat Dec 03, 2016 4:18 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 7923

Re: P2P Lending Dead

Thanks Larry for the reply. I agree that lending shouldn't be done by individuals. I have been in Lending Club for a little over 5 years. The first 4 years I was managing my buys through the secondary market due to the fact that my state didn't allow buying on the primary. I was only averaging about...
by j7se
Fri Dec 02, 2016 1:20 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 7923

P2P Lending Dead

I know there are many dissenters of P2P lending. I personally only hold a small amount in it for numerous reasons named on several other threads and use Lending Robot for investing in the notes. P2P investing is more of a hobby of mine than a critical component of my investing plan. I just received ...
by j7se
Thu Dec 01, 2016 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Target Fund Trust Plus or Brokerage in 401k
Replies: 3
Views: 356

Re: Target Fund Trust Plus or Brokerage in 401k

I agree that there is nothing wrong with the fund. I just wonder if I would be better off being able to do the things listed in my pros/cons comparison. Also, I use Personal Capital and it cannot pull the correct pricing for that fund so just another added pain. But in the end it may be best to just...
by j7se
Thu Dec 01, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Target Fund Trust Plus or Brokerage in 401k
Replies: 3
Views: 356

Target Fund Trust Plus or Brokerage in 401k

So I have been using the Target Retirement 2045 Trust Plus (.06 ER) for my 401k due to low ER. However, I just noticed I can opt for the brokerage option. The pros/cons I see are: +choice of funds +allocation +location +rebalancing +easier to figure out allocation (though not particularly difficult ...
by j7se
Fri Jul 22, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Fixed Income
Replies: 1
Views: 294

HSA Fixed Income

I'm currently needing to re-balance into bonds. Currently, all of my bond holding are in my 401k target fund. I have just over 10k in my wife's and my IRAs at Vanguard (each). I think the HSA makes sense for the vehicle to hold bonds for two reason 1.) this may be an account I may need/want to use f...
by j7se
Sun Apr 17, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Core 4 vs Small
Replies: 9
Views: 1113

Re: Core 4 vs Small

If they are the same risk, it is only because the more risky stocks are accompanied by more bonds. This is not a portfolio I would consider. That's true. It reminds me of the Doughroller podcast where Rob interviewed a prior hedge fund manager who was promoting "risk weighted" portfolios ...
by j7se
Sun Apr 17, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Core 4 vs Small
Replies: 9
Views: 1113

Core 4 vs Small

I was playing around with the portfoliocharts website today and noticed that a 33 Microcap, 33 Int Small, 34 Long-Term Treasury porfolio significantly outperformed my current (modified) Core 4 portfolio (55 TSM, 25 TI, 10 REIT, 10 TBM) in terms of CAGR (6.1 vs 8.1) and without any added risk (15.3 b...
by j7se
Fri Apr 08, 2016 7:29 am
Forum: Investing - Help with Personal Investments
Topic: I did the math and an HSA for retirement wouldn't save me money — am I doing this wrong?
Replies: 12
Views: 1487

Re: I did the math and an HSA for retirement wouldn't save me money — am I doing this wrong?

HSA is a triple tax advantages account, meaning you don't pay taxes on contributions, growth, or qualified distributions. So you never pay tax. You have already paid tax on ROTH and taxable accounts contributions. That's why many refer to the HSA as the stealth IRA. You're idea of tax gain harvestin...
by j7se
Sun Jan 24, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterize IRA Contributions
Replies: 5
Views: 531

Re: Recharacterize IRA Contributions

Yes, my understanding of the EITC definitely was not complete when making these contributions and, to be honest, still is not, but I do understand it to a greater extent now. Thanks for the replies. I think I'm just going to let these contributions stay and move on. Too much headache for minimal imp...
by j7se
Sun Jan 24, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterize IRA Contributions
Replies: 5
Views: 531

Re: Recharacterize IRA Contributions

............................. I had been contributing max amount to .......... as well as to my wife's and my Roth IRAs. ..............................I was told that I couldn't recharacterize the 401k contributions but could the IRA. So I did. .........................................................
by j7se
Sat Jan 23, 2016 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Recharacterize IRA Contributions
Replies: 5
Views: 531

Recharacterize IRA Contributions

I've been perusing this site along with many others for about 6 months now. I appreciate everyone's contributions as I have learned so much in that period. So in October I learned about the EIC tax credit. I have 2 kids and will make about 75k this year. I had been contributing max amount to Roth 40...