Search found 44 matches

by kamikazekid
Sat Jun 24, 2017 6:46 am
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 971

Re: How do you approach your ESPPs

Thank you , thank you , thank you. I think I have a plan and more important, now I understand the various options in front of me as well as how to maximize gains while reducing risks. Thanks again ! There is a reason I tell my friends that bogleheads is the best site on the internet :happy World cla...
by kamikazekid
Fri Jun 23, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 971

Re: How do you approach your ESPPs

OP: Provided there is no holding period after the purchase is made I would sell 100% immediately (of course this assume you get a discount on the purchase price making it worthwhile). From this perspective - I disagree with a prior response that said because this is a stock you should consider it l...
by kamikazekid
Fri Jun 23, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 971

Re: How do you approach your ESPPs

Tell us more about your ESPP. Like, the amount of discount, holding period, amount you can participate with, etc. I use mine as a churn-through, equivalent to an additional 2.6% of salary. No reason to hold long term with mine. Completely compatible with monthly/yearly budgets, and as a churn-throu...
by kamikazekid
Thu Jun 22, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 971

How do you approach your ESPPs

Dear Bogleheads, I am having trouble understanding how I should treat or view my Employee Purchase Plan. I do not understand its place in my portfolio. Specifically, I would like to know whether 1) The $ invested in ESPP should be considered as a long term investment (e.g. 401k) or whether I should ...
by kamikazekid
Tue Apr 25, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Car troubles?
Replies: 18
Views: 1205

Re: Car troubles?

Thank you all for the wonderful, impartial advice. Quite simply the best forum on the whole world wide web. I tell DW everyday about bogleheads and how its helpful and how she should join. I think I know what I need to do based on the responses provided. :happy
by kamikazekid
Tue Apr 25, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Car troubles?
Replies: 18
Views: 1205

Re: Car troubles?

Thank you all for the information and shedding some light on this. My plan is to use the CR-V for next 3 to 5 years which will take us somewhere near the 160k mileage. Post up the year for us. My CRV is 2009. The engine does say VTEC on it. This means I have a timing chain right? The dealers quote m...
by kamikazekid
Tue Apr 25, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Car troubles?
Replies: 18
Views: 1205

Car troubles?

Yesterday the Honda dealer recommended the following for my Honda CRV with around 120k miles 1) Replace Serpentine Belt 2) Replace Spark Plug 3) Reseat Valves 4) Brake pad/rotor resurfacing - he says is 80% worn out and has depth of 3 mm. I dont understand much about cars. Overall expense for these ...
by kamikazekid
Fri Apr 21, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: How to optimize savings for major purchases
Replies: 6
Views: 705

How to optimize savings for major purchases

Hi Bogleheads, is there a general rule of thumb to follow on how to invest money when getting ready for major purchases (2 cars, house) that are on the horizon in the 3 to 5 year timeframe. I have followed all the basics thus far 1) 8 months emergency fund in place in bank 2) 401k maxed out, His and...
by kamikazekid
Mon Mar 20, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Short term liquidity strategy
Replies: 5
Views: 345

Re: Short term liquidity strategy

I am 100% confident we will need a replacement for Cr-V. Its getting pretty beat up due to the daily drive. I would assume we replace it with a CPO Acura or a CPO Lexus. Approx 25 k . The Civic replacement is definitely a want not a need. If I swap it out I will replace it with a better car - havent...
by kamikazekid
Mon Mar 20, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Short term liquidity strategy
Replies: 5
Views: 345

Short term liquidity strategy

Dear Bogleheads, I am envisioning some major expenses after 3 years. I am going to need plenty of liquidity for a downpayment on a house as well as potentially for new car(s). By new I mean either new or gently used cars. Here is what I think will happen by 2019/2020 1) 2019 - Wife finishes Phd, get...
by kamikazekid
Fri Mar 17, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with my short term strategy
Replies: 1
Views: 139

Re: Help me with my short term strategy

I meant annual income of the family = 160k
by kamikazekid
Fri Mar 17, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with my short term strategy
Replies: 1
Views: 139

Help me with my short term strategy

Dear Bogleheads, I am envisioning some major expenses after 3 years. I am going to need plenty of liquidity for a downpayment on a house as well as potentially for new car(s). By new I mean either new or gently used cars. Here is what I think will happen by 2019/2020 1) Wife finishes Phd, gets a job...
by kamikazekid
Fri Mar 03, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to get the most out of Bogleheads
Replies: 7
Views: 1055

How to get the most out of Bogleheads

Hello Bogleheads, This forum has been a wonderful experience for me. 2 years since I discovered this forum. After google search, this is the most useful thing I do on the web. Question for experience bogleheads - What is the best way to get the most out of this site. Do you spend x number of minutes...
by kamikazekid
Mon Jan 23, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest x$/ month?
Replies: 3
Views: 528

Should I invest x$/ month?

I have an emergency fund. I have maxed out the 401k. I fund my and my wife's ROTH IRA every year. I put soem money into the college education fund every month. After doing all this and paying the bills, I still have some spare investing capacity. I have a Vanguard brokerage account that I can afford...
by kamikazekid
Tue Jan 03, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Home upgrades, timing and cost
Replies: 10
Views: 859

Home upgrades, timing and cost

Hello, We live in a modest 2 bedroom home in the Boston Metrowest area. Plan to move out in approximately 3 years - thats when the wife will finish her PhD and we will be in the market for a bigger home, as our family expands. We purchased home for $260k, current valued by the county assessor at app...
by kamikazekid
Wed Oct 26, 2016 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing this right? Please critique my portfolio
Replies: 1
Views: 352

Am I doing this right? Please critique my portfolio

Dear Bogleheads, Thanks to the wonderful advice I have received via this community, I made significant changes to my portfolio over the past 6 months. This is where I am now. I sold my individual stocks, maxed out my 401k, and put 5.5 K in ROTH IRA every year. I also opened an account for my kid for...
by kamikazekid
Thu Oct 13, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Can someone pressure test my thinking
Replies: 16
Views: 1782

Re: Can someone pressure test my thinking

Any recommendations for International Stock Fund and Bond Funds? I added the S&P 500 Index.
by kamikazekid
Wed Oct 12, 2016 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Can someone pressure test my thinking
Replies: 16
Views: 1782

Re: Can someone pressure test my thinking

Hi Klang Fool - I thought if I open a separate account for my kid and dont touch it at all, I will create some segregation between our savings (wife and I) and my kids college. What am I missing? Are you suggesting that I simply take the cash from my retirement accounts at the right time to fund col...
by kamikazekid
Wed Oct 12, 2016 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Can someone pressure test my thinking
Replies: 16
Views: 1782

Re: Can someone pressure test my thinking

Hi Klang Fool - I thought if I open a separate account for my kid and dont touch it at all, I will create some segregation between our savings (wife and I) and my kids college. What am I missing? Are you suggesting that I simply take the cash from my retirement accounts at the right time to fund col...
by kamikazekid
Wed Oct 12, 2016 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Can someone pressure test my thinking
Replies: 16
Views: 1782

Re: Can someone pressure test my thinking

I live in Ma. and get no tax advantage by enrolling in a 529. I also think i get better flexibility with a non 529 account, in case we decide not to live in the US in the future. I am in immigrant :). Financially, I hope that my returns outpace the impact of taxes on gains and rebalancing. Does anyo...
by kamikazekid
Tue Oct 11, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone pressure test my thinking
Replies: 16
Views: 1782

Can someone pressure test my thinking

Dear Bogleheads, I plan to open an brokerage account at Vanguard and plan to use the savings for my kids education. (Currently 1.5 yrs old). I decided against opening a 529. My plan is to follow a glide path per the table below. This is the Moderate approach for Age based portfolio that I saw on mor...
by kamikazekid
Wed Oct 05, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage account instead of 529
Replies: 4
Views: 343

Brokerage account instead of 529

Hi Bogleheads, I live in MA and get no tax benefit for investing in 529 plans. A friend suggested opening a regular brokerage account and funding that on a monthly or bi weekly basis. If our kid goes to college we can use it for that purpose - if not we can use it for our retirement. I like his idea...
by kamikazekid
Fri Jul 29, 2016 8:36 am
Forum: Investing - Help with Personal Investments
Topic: INvesting in 529 for my kid
Replies: 17
Views: 1260

INvesting in 529 for my kid

Hello Bogleheads, I live in Mass and have a one year old. Looking to start a college education fund for the kid. I went through Morningstar 2015 report on best 529's and Vanguards plan was in there listed in the top 4 . https://investor.vanguard.com/529-plan/vanguard-529-plan I have already dilly da...
by kamikazekid
Mon Jul 11, 2016 7:15 am
Forum: Personal Consumer Issues
Topic: A nice wrist watch under $1500
Replies: 42
Views: 3910

Re: A nice wrist watch under $1500

Thank you all for the wonderful advice. I had little idea that ETA movements are mass produced and I would only be paying for the marketing and brand name. I looked at at Hamilton's and Seikos and will probably end up with one of those :) I was mostly surprised to learn that most are not in favor of...
by kamikazekid
Thu Jul 07, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: A nice wrist watch under $1500
Replies: 42
Views: 3910

A nice wrist watch under $1500

I would like to buy a nice wrist watch at around $1500. Thinking of Tag but wanted other recommendations from experiences Bogleheads. I know you can get the time by looking at an iphone or at the PC. That is beside the point. I want a watch as a gift to myself and to celebrate the birth of our daugh...
by kamikazekid
Fri Jun 03, 2016 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I try to pay off mortgage aggressively?
Replies: 25
Views: 3835

Should I try to pay off mortgage aggressively?

Dear Bogleheads, Home Loan: $260,000, Amount pending: approx $190,000 Purchased home in 2011, plan to live there till 2019 or 2020 tops. Plan to sell home. Interest Rate: 30 year, 3.875% Home is in Massachusetts, located in a nice suburb Question 1) Does it make sense for me to aggressively pay down...
by kamikazekid
Mon May 23, 2016 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Critique
Replies: 4
Views: 552

Re: Portfolio Critique

Hi Elbowman, I already had VWIGX in my portfolio - Vanguard consultants told me to go ahead and increase my allocation to meet the 34% International allocation. My company no longer offers VWIGX as an option. So I wanted to choose VTSNX which is available in the 401k. I have the temperament to inves...
by kamikazekid
Fri May 20, 2016 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Critique
Replies: 4
Views: 552

Portfolio Critique

I recently completed a free telephone consultation appointment with Vanguard and they recommended the following portfolio for me after doing a online risk tolerance assessment. 85% Stock , 15% Bonds. Splitting the stocks, they recommended 40% Large Cap, 11% Mid/Small Cap and 34% International. They ...
by kamikazekid
Fri May 20, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: The best use of approx. $100,000
Replies: 14
Views: 2234

Re: The best use of approx. $100,000

Some part Gift, some part loan is the way to look at it I suppose.
by kamikazekid
Fri May 20, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: The best use of approx. $100,000
Replies: 14
Views: 2234

The best use of approx. $100,000

Hello, Due to sheer luck, I may be in a position to get a lumpsum amount of $100,000 courtesy my Father in Law. He is well into retirement and selling some properties and says he wants to help us pay down our home with the ensuing cash. In return, he said - just pay me the interest you would normall...
by kamikazekid
Mon Nov 16, 2015 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Employee stock purchase plan
Replies: 13
Views: 1675

Re: Employee stock purchase plan

Thank you everybody. SOunds like my judgment is the best weapon - as is true in many cases.
by kamikazekid
Sun Nov 15, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Employee stock purchase plan
Replies: 13
Views: 1675

Employee stock purchase plan

Is there a thumb rule regarding what is the max % of one's portfolio that should be invested in the employers stock purchase plan (ESPP) ? My total portfolio is around $130k. This does not include the $30k I have accumulated in employer stock purchase plans. Other details 1) We get a 15% discount on...
by kamikazekid
Tue Jul 21, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I get out of personal stocks - Did
Replies: 11
Views: 1281

Should I get out of personal stocks - Did

I am still relatively new to this forum. I have been reading and educating myself via this forum. I know that individual stocks should not be part of a portfolio. Is this a strict rule of thumb? I have about $6k in various stocks in total portfolio of $130k and each of them has turned me a nice tidy...
by kamikazekid
Sat Jul 18, 2015 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Looking for portfolio critique
Replies: 5
Views: 862

Re: Looking for portfolio critique

Hi Duckie,
Thanks a ton. Appreciate the help in getting us on our way.
by kamikazekid
Fri Jul 17, 2015 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Looking for portfolio critique
Replies: 5
Views: 862

Re: Looking for portfolio critique

Thank you , that is useful. So in summary I will shoot for a 25% Bonds, 75% Stocks of which 20% is international. I will bump this up gradually to reach 25 and eventually 30%. - Sounds like my taxable account doesnt need tweaking. - His Roth seems like it doesnt need any tweaking For his 401k 1) I w...
by kamikazekid
Thu Jul 16, 2015 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for portfolio critique
Replies: 5
Views: 862

Looking for portfolio critique

Hello, I am about to re balance my portfolio. I wanted someone to critique my new fund choices. I have mentioned by current portfolio and followed by my new intended portfolio. Finally, I have listed by 401k choices. My accounts are: His 401k, His Brokerage, His IRA and Her IRA. All are Vanguard acc...
by kamikazekid
Wed May 06, 2015 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Can you review my portfolio esp the 401k.
Replies: 2
Views: 492

Can you review my portfolio esp the 401k.

Dear Bogleheads, I have become a fan of this forum and thanks to the advice received I am about to make changes to my 401k, IRA and Brokerage accounts. I am planning for a 80/20 AA with 65% Domestic Stock, 15% Intl Stock, 20% Domestic Bonds. 1) Taxable Account will hold 30% of my assets: I havent fu...
by kamikazekid
Wed Apr 29, 2015 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401k + IRA fund recommendations & where to put surplus cas
Replies: 3
Views: 650

401k + IRA fund recommendations & where to put surplus cas

Emergency funds: 6months Debt: Mortgage, 210k at 3.625% Tax Filing Status: Married Filing Jointly. We have a new born BABY Tax Rate: 25% Federal, 5.3 % State State of Residence: MA Age: 35 Desired Asset allocation: 80 % stocks / 20 % bonds Desired International allocation: 10-20 % of stocks CURRENT ...
by kamikazekid
Fri Apr 24, 2015 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: 35 year old, looking for AA - Completely confused.
Replies: 8
Views: 2161

Re: 35 year old, looking for AA - Completely confused.

Thank you everyone for the guidance in how to write posts. From the replies it appears 80-20 is a good split for my age and risk tolerance. I am shooting for 20% International Stock. I have listed my portfolio below. % ER Cash 30000 22.67% N/ A US Stock AAPL 1566 1.18% N/ A US Stock ATT 514 0.39% N/...
by kamikazekid
Thu Apr 23, 2015 8:15 am
Forum: Forum Issues and Administration
Topic: Can I change user name?
Replies: 20
Views: 5565

Username change

[Thread merged into here, see below. --admin LadyGeek]

Hi,
Is there a way to change / update my username to something generic. Currently, it hints at my actual name and I am just a tad worried about my privacy.
SUjit
by kamikazekid
Tue Apr 21, 2015 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: 35 year old, looking for AA - Completely confused.
Replies: 8
Views: 2161

35 year old, looking for AA - Completely confused.

I have about $30-35k ready for investing. I am rather confused as to how to how to create a strong portfolio using this. I have read about the 3 fund portfolio and need to know which funds should go to the Roth IRA, which to hold in brokerage. I also want to know my 401 k funds are appropriate for m...
by kamikazekid
Tue Apr 07, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: How to invest 15000
Replies: 4
Views: 1182

Re: How to invest 15000

Hello, Thanks for the advice. I am reposting in the format suggested by Lafder. Emergency Funds - Can cover upto 6 months of expenses Debt - None apart from Mortgage, around 220k @ 3.875%, 30 years. I recently refinanced Tax status: Married filing jointly Tax rate: 25% Federal and 5.3% State State o...
by kamikazekid
Sun Apr 05, 2015 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 15000
Replies: 4
Views: 1182

How to invest 15000

Hello, I am new to this forum. I am inspired by Bogle's investing advice having gone through his Little Book of Investing. I am married, 35, and looking to invest around $15000. I am looking for advice on how to allocate this amount to a 3 fund portfolio. I have a mortgage and we are starting our fa...

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