Search found 25 matches

by mavenleek
Sun Jan 14, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: Advice On A Tour From Port Canaveral To Kennedy Space Center
Replies: 14
Views: 676

Re: Advice On A Tour From Port Canaveral To Kennedy Space Center

I would recommend to get a UBER so you can maximize your time there instead of having to waste time renting a car. You can visit the KSP and get one of the "behind the gate" tour organized by KSC. I personally took the CAPE CANAVERAL EARLY SPACE TOUR and it was really a nice way to spend my time on ...
by mavenleek
Mon Nov 27, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 8479

Re: Interesting ride so far - Crypto-curriencies

I'm a staunch Dividend Growth Investor but decided in August to place 3.5% of my aftertax investment fund allocation into Crypto-currencies. My mix is 78.1% Bitcoin; 2.3% Bitcoin-Gold (hardfork) and 19.1% Ethereum. My original investment has increased 69.7% since the August 2017 entry date. Quite t...
by mavenleek
Tue Nov 14, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Help
Replies: 7
Views: 721

Re: HSA Help

I'm currently considering the same options. Check out my post to see what kind of math you need to do to evaluate your options.

viewtopic.php?f=2&t=231787
by mavenleek
Wed Nov 08, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a health plan with baby on the horizon
Replies: 7
Views: 630

Re: Choosing a health plan with baby on the horizon

Of course, the big difference between the two plans are the cash flow. The choice of doctors and having to deal with the medical insurance billing will also be a huge difference. One advantage of being in a Kaiser facility there is little question about your expenses being covered and all the netwo...
by mavenleek
Tue Nov 07, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a health plan with baby on the horizon
Replies: 7
Views: 630

Choosing a health plan with baby on the horizon

Hi! My wife and I are currently trying to get our first child and, if everything goes well, we should expect having our first child by end of 2018. :mrgreen: Having said that, we need to choose our health insurance plan for next year. My wife's employer will be providing the health insurance and we ...
by mavenleek
Tue Jun 06, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin: The worst investment in 2014
Replies: 93
Views: 15592

Re: Bitcoin: The worst investment in 2014

BTC doesn't have a good enough technology and value proposition to replace FIAT currencies for payments. However, I do see a lot of value in using BTC to store value, hence having a part of your portfolio stored in BTC like some people do for gold. That's why most of the BTC wallets like coinbase.co...
by mavenleek
Mon Jun 05, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Invest Cash
Replies: 3
Views: 780

Re: Invest Cash

Do you see additional opportunities for me to max out retirement plan contributions beside the IRA? I know about Betterment and I was thinking to go with Schwab to continue invest the big chunk of my cash. I find Betterment convient because I invest every week 125$ from my paycheck in the portfolio ...
by mavenleek
Mon Jun 05, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Invest Cash
Replies: 3
Views: 780

Invest Cash

Hi,

|redacted|

Thanks for your inputs!
by mavenleek
Fri Jun 02, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Moon Shots for Play Money?
Replies: 2
Views: 456

Re: Moon Shots for Play Money?

If you feel comfortable with loosing everything and if you have a technical background, you could start put some money into cryptocurrencies. I started to invest last year and bought a significant number of Ethereum at 12$ and 35$ and so, far, I'm happy with the ROI. Some other interesting cryptoccu...
by mavenleek
Thu Jun 01, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: I spend 6.1% of my Gross income on rent
Replies: 80
Views: 11821

Re: I spend 6.1% of my Gross income on rent

With my wife we are at currently 8.9% of our gross income for a one bedroom in San Francisco. Unfortunately we are loosing our lease (we moved there in 2012) and need to find a new place which would put us at around 14% if we stick with a place at the median rent. Not so bad but definitvely less mon...
by mavenleek
Thu May 25, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Help my wife choose her retirement allocation
Replies: 14
Views: 1046

Re: Help my wife choose her retirement allocation

Thanks again for your inputs. I went with the following allocation:

Stock Investments Large Cap FID 500 INDEX INST 48%
Stock Investments Mid-Cap FID EXT MKT IDX PR 12%
Stock Investments International FID INTL INDEX INS 30%
Bond Investments Income FID US BOND IDX IS 10%
by mavenleek
Thu May 25, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Help my wife choose her retirement allocation
Replies: 14
Views: 1046

Re: Help my wife choose her retirement allocation

What's the difference between FXSTX and FLBAX? FXSTX had a lower expense ratio and tracks the same index as the Vanguard Total Bond fund. FLBAX is more long term bond fund. Either is probably fine. I was just sharing which one I would go with. I thought you said the 33k was in an IRA at Betterment?...
by mavenleek
Thu May 25, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Help my wife choose her retirement allocation
Replies: 14
Views: 1046

Re: Help my wife choose her retirement allocation

Thanks for your inputs.

If you click on these links you can see what funds she has access to and the expenses ratio:

http://i.imgur.com/fDqjazK.png
http://i.imgur.com/20Nz3tg.png
by mavenleek
Thu May 25, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 82
Views: 11984

Re: HSA Strategy for high income earners

My wife has access to a HSA with an employer contribution of 1500$ per year. She maximizes her 401K contribution to 18K per year and to also max out her HSA contribution. Regarding the use of the funds, I was thinking we could pay our medical bills up to 1500$ per year (employer contribution) with t...
by mavenleek
Thu May 25, 2017 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Help my wife choose her retirement allocation
Replies: 14
Views: 1046

Re: Help my wife choose her retirement allocation

Personally, I would use the FXSTX bond fund instead of the one you chose. I also use a similar allocation for 90/10 stock bond split but for US stocks I personally think that a 48% S&P 500 12% extended market is more close to a Total Market fund if that is what you are looking for. As far as Better...
by mavenleek
Thu May 25, 2017 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Help my wife choose her retirement allocation
Replies: 14
Views: 1046

Re: Help my wife choose her retirement allocation

What's your current asset allocation? Do you include your wife's investments when setting that allocation? If so, I would look at all of your and her accounts and then plan that allocation accordingly. The funds you've chose are definitely the right ones because they have the lowest ERs available i...
by mavenleek
Wed May 24, 2017 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help my wife choose her retirement allocation
Replies: 14
Views: 1046

Help my wife choose her retirement allocation

Hi, My wife (30 years old) started a new job early this year and she is saving about 15% of her income into a pre-tax contribution to a 401k. Her employer offers a generous match with a cap at 5000$ per year. With the 15% she will cap her 401k to the maximum 18K contribution per year. When I'm looki...
by mavenleek
Wed May 24, 2017 10:44 pm
Forum: Investing - Theory, News & General
Topic: Anyone following the latest in Bitcoin and cryptocurrency news?
Replies: 25
Views: 5605

Re: Anyone following the latest in Bitcoin and cryptocurrency news?

I got into crypto "investing" last year and few cryptocurrencies like BTC, ETH, XRP and STORJ. BTC is a very different animal has it doesn't really have any purpose. I have the feeling people are buying it because they consider it a new class of asset like gold. I don't think BTC will have real worl...
by mavenleek
Thu Apr 20, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in foreign ETFs (€)
Replies: 6
Views: 698

Re: Invest in foreign ETFs (€)

For converting € to $, I'm lucky to have a friend that needs to do exactly the opposite in the coming weeks, so I would not induce any forex fees.

I think it's a better outcome that having the money sitting on my account in Europe!

Thanks a lot for your advice!
by mavenleek
Thu Apr 20, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in foreign ETFs (€)
Replies: 6
Views: 698

Re: Invest in foreign ETFs (€)

Thanks for the info and the pointers regarding the PFIC tax and reporting rules. So what are my real options? I feel hesitant converting my € to $ mostly because I would be converting at the lowest rate of the past 5 years. In addition, I'm not excluding to going back to Europe at some point in the ...
by mavenleek
Wed Apr 19, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in foreign ETFs (€)
Replies: 6
Views: 698

Re: Invest in foreign ETFs (€)

Thanks for the suggestion. IB seems to be a good solution.

I was thinking that I could also transfer € to $ and invest it ETFs that are exposed to the European market and € currency. Any gain in the exchange rate would be immediately reflected in the $ valuation. Does it make sense?
by mavenleek
Wed Apr 19, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in foreign ETFs (€)
Replies: 6
Views: 698

Invest in foreign ETFs (€)

Hi! I'm a foreign national living in the US for some time now and started investing only recently in ETFs. I have some money in a German bank account in € and would like to wire the money in the US to start investing with it. However, I would like to invest in € to not have to bear the risk of curre...
by mavenleek
Tue Apr 11, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Want to confirm my retirement decision logic
Replies: 7
Views: 1118

Re: Want to confirm my retirement decision logic

Thanks for your inputs. We do live in Silicon Valley, hence the downpayment will be very significant if we decide to settle here. I never considered the Roth IRA because (1) I thought it was locking some money into a retirement account (2) I'm certainly underestimating the benefits of tax free growt...