Search found 56 matches

by kamikazekid
Wed Nov 01, 2017 5:47 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter
Replies: 295
Views: 57945

Re: Master Thread for Metro Boston's Chapter

I will attend the Dec 9th meeting at Lincoln library. Thanks and look forward to meeting like minded folks.
by kamikazekid
Wed Oct 25, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: WSJ Bookmarklet
Replies: 4
Views: 523

Re: WSJ Bookmarklet

Is this what you are talking about? javascript:window.location="https://m.facebook.com/l.php?u="+encodeURIComponent(window.location.href); Yes, indeed. Is the Bookmarlet working well for you? I seem to have trouble unlocking articles. Maybe something to do with the firewalls at work. Can you let me...
by kamikazekid
Wed Oct 25, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: WSJ Bookmarklet
Replies: 4
Views: 523

WSJ Bookmarklet

The WSJ Bookmarklet that was provided on this forum does not appear to be working for me. The article still remains unlocked - in fact this has been going on for last 2/3 months. Hard to give up free WSJ :? Can someone send me their bookmarklet again that works perfectly well for them? Thank you, ap...
by kamikazekid
Sat Oct 07, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5933

Re: Roof shingles do not match - Neighbor sent notice

I would ignore the letter and the neighbor. But would that leave me at the mercy of the next steps that the lawyers could take? I mean what's the worst case I am looking at here. ? Is it Ok to ignore a letter sent by a law firm ? I am so naive in this area, I dont even know where to begin. APprecia...
by kamikazekid
Sat Oct 07, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5933

Re: Roof shingles do not match - Neighbor sent notice

Was the letter from an attorney? Sounds to me like you have a cranky neighbor as this isn't your first issue with her. Yes, it was from an attorney. Quick Google research suggests that they are a general practice law firm. Her father is associated with the real estatte business here in Mass and I s...
by kamikazekid
Sat Oct 07, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5933

Re: Roof shingles do not match - Neighbor sent notice

Yes, the contractor said he would write a letter to that effect. He is an experienced home builder that know what he is doing. We do not have a HOA. We do live in a duplex. I have been nothing but good to my neighbor. For example - I mow the common part of the lawn since she doesn't have a lawnmower...
by kamikazekid
Sat Oct 07, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5933

Roof shingles do not match - Neighbor sent notice

Dear Bogleheads, A few weeks ago a general contractor replaced some of the roof shingles and our starlight window. The new shingles (about 20) placed near the star light do not match the original color of the roof. The contractor said that he got the closest possible shingle color and that the compa...
by kamikazekid
Tue Sep 12, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 11202

The 10 year car ownership "rule"

I have been reading a fair bit on this forum about buying a car and then either driving it to the ground or holding it for long periods of time like 10 years. My question is - would this thumb rule change based on purchase price of the car? e.g. Spend 25k, hold for 10 years, spent 20 k, hold for 8 y...
by kamikazekid
Fri Aug 04, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: How to rebalance/change Asset Allocation when funds are in 401k
Replies: 4
Views: 279

Re: How to rebalance/change Asset Allocation when funds are in 401k

Here are my holdings with descriptions, ERs, and all the relevant information. Brokerage VG Vanguard Total Stock Market ETF VTI 0.12 >>>1% of total portfolio Vanguard Total Intl Stock Index Admiral VTIAX 0.05 >>16% of total portfolio ROTH His Roth VG Vanguard Extended Market Idx Adm VEXAX 0.09 >>>10...
by kamikazekid
Fri Aug 04, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: How to rebalance/change Asset Allocation when funds are in 401k
Replies: 4
Views: 279

Re: How to rebalance/change Asset Allocation when funds are in 401k

OK, that was surprisingly simple. SO I just transfer $ from my equity funds to my bond funds and I am done ! I feel so stupid. I thought I was financially literate after 2 years on BH ... :oops:
by kamikazekid
Fri Aug 04, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: How to rebalance/change Asset Allocation when funds are in 401k
Replies: 4
Views: 279

How to rebalance/change Asset Allocation when funds are in 401k

Hello, I am 37 yo, with an Current AA of 88/20. This includes my 401k, Roth IRA and Vanguard Brokerage(taxable). I am trying to get to somewhere around 80/20 mark. I need to buy more bonds (VBITX) but I am holding these in my 401k and so I am trying to figure out how to rebalance. 1) Should I buy bo...
by kamikazekid
Mon Jul 17, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for college
Replies: 3
Views: 404

Investing for college

Dear Bogleheads, In researching about college investing for my 2 yo, I learnt of the following glide path (I think the source of the table below is Morning star, but not entirely sure). It applies the same logic as one would to personal investing. As you get closer to withdrawl date, reduce the risk...
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: 1443

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: 1443

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: 1443

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: 1443

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: 1427

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: 1427

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: 1427

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: 833

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: 406

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: 406

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: 162

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: 162

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: 1190

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: 572

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: 930

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: 382

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: 1911

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: 1911

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: 1911

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: 1911

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 anyone...
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: 1911

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: 399

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: 1352

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 . m I have already dilly dallied on opening the account and if there is one thing ...
by kamikazekid
Mon Jul 11, 2016 7:15 am
Forum: Personal Consumer Issues
Topic: A nice wrist watch under $1500
Replies: 42
Views: 4415

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 sp...
by kamikazekid
Thu Jul 07, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: A nice wrist watch under $1500
Replies: 42
Views: 4415

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: 4192

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: 587

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: 587

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: 2308

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: 2308

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: 1864

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: 1864

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: 1319

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: 886

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: 886

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: 886

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: 534

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...