Search found 151 matches

by moneywise3
Sun May 22, 2016 8:38 am
Forum: Investing - Help with Personal Investments
Topic: How do I invest in artificial intelligence?
Replies: 59
Views: 3497

Re: How do I invest in artificial intelligence?

AI is all pervasive. Most major corporations are involved in it. It is like someone asking 30 years ago, I want to invest in technology. If you own TSM, you are invested in AI. Do you want to invest disproportionately high there? Your decision.
by moneywise3
Sat May 14, 2016 3:52 am
Forum: Personal Finance (Not Investing)
Topic: Where to park excess funds
Replies: 9
Views: 1250

Re: Where to park excess funds

Remember emergency fund is different from the cash component of your portfolio. 10k sounds low for 6-12 months of living expenses.
by moneywise3
Sat May 14, 2016 3:44 am
Forum: Investing - Theory, News & General
Topic: Carl Icahn Is Betting Big on a Stock Market Crash
Replies: 32
Views: 7122

Re: Carl Icahn Is Betting Big on a Stock Market Crash

:sharebeer
What was the saying "Monkeys that can throw darts can predict better...."
by moneywise3
Wed May 04, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: Peculiar Airline Pricing
Replies: 22
Views: 3745

Re: Peculiar Airline Pricing

No show on the first segment not allowed. So your plan should work.
by moneywise3
Thu Apr 28, 2016 3:17 am
Forum: Investing - Help with Personal Investments
Topic: talk me out of buying an individual stock (Facebook)
Replies: 112
Views: 15594

Re: talk me out of buying an individual stock (Facebook)

Yes I own Facebook, and every popular company, via TSM index.
by moneywise3
Thu Apr 28, 2016 3:13 am
Forum: Investing - Help with Personal Investments
Topic: if you HAD to pick 2 actively managed funds???
Replies: 45
Views: 3279

Re: if you HAD to pick 2 actively managed funds???

Are you sure you mean active managed? E.g. vanguard healthcare follows an index.
by moneywise3
Thu Apr 28, 2016 2:42 am
Forum: Investing - Help with Personal Investments
Topic: How many financial accounts to maintain?
Replies: 30
Views: 2911

Re: How many financial accounts to maintain?

You can easily get to 10. All IRA's, Roths and brokerage can easily be 1 custodian. Maybe even same as one of your 401k carriers. Then have a joint bank account.
by moneywise3
Thu Apr 28, 2016 2:30 am
Forum: Personal Consumer Issues
Topic: Trip to Southern California next week - things to do?
Replies: 19
Views: 1383

Re: Trip to Southern California next week - things to do?

Drive on Pacific coast highway.

There's also a beautiful lake along 74 on the alt route to Vegas.
by moneywise3
Thu Apr 28, 2016 2:23 am
Forum: Personal Finance (Not Investing)
Topic: One question about medical insurance in-network service
Replies: 10
Views: 745

Re: One question about medical insurance in-network service

Typically they never give you a discount in such situations. If you fight it out, you can get a discount "if you pay now".
by moneywise3
Thu Apr 28, 2016 2:18 am
Forum: Investing - Help with Personal Investments
Topic: Is changing career paths to make less money ever a smart move?
Replies: 26
Views: 2280

Re: Is changing career paths to make less money ever a smart move?

Yes, it can be. Less money can mean more of many other things in life.
by moneywise3
Thu Apr 28, 2016 2:08 am
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12342

Re: I Hate My Job: Politics at Work (Advice Needed)

Here's an advise if none of the earlier work for you: search for "hunger in Africa". The point being ponder why are you making mountains out of mole hills. Life in the situation you describe is probably better than 99.9% of the world. Do you have a meaningful purpose in life? Is rest of yo...
by moneywise3
Wed Apr 27, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12342

Re: I Hate My Job: Politics at Work (Advice Needed)

I don't really expect people to understand the totality of the situation, since there is a lot of backstory to what's going on. A lot of backstory?? How long have you been working there? I'm getting a few advice of "do a good job and you'll be fine" - I'm afraid that's extremely naive. I ...
by moneywise3
Tue Apr 26, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: 1M net worth, need help investing
Replies: 15
Views: 2569

Re: 1M net worth, need help investing

Target retirement funds
by moneywise3
Tue Apr 26, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: First-Time Home Mortgage - Highly Variable Income
Replies: 9
Views: 876

Re: First-Time Home Mortgage - Highly Variable Income

Tons of self employed people are in similar situation. The underwriters have some underlying formula to figure what they let you borrow. Let them bang their heads. Just make sure you have 12 months of living expenses + mortgage payments handy.
by moneywise3
Tue Apr 26, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12342

Re: I Hate My Job: Politics at Work (Advice Needed)

First and foremost, you have to enjoy doing the work in that field. These conflicts will seem minor in comparison if you enjoy the work. Having a PhD doesn't automatically mean that field is your calling. Secondly, your focus sounds like getting fast promotions. The organization and people will not ...
by moneywise3
Wed Mar 23, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Best way to spend one evening in Orlando
Replies: 13
Views: 1101

Re: Best way to spend one evening in Orlando

Explore Downtown disney
by moneywise3
Wed Oct 07, 2015 5:40 pm
Forum: Investing - Theory, News & General
Topic: Six Rules to Disciplined Investing
Replies: 19
Views: 3825

Re: Six Rules to Disciplined Investing

Thank you. I am grateful that this doesn't teach me anything new. Bogleheads philosophy hasn't changed ever since I grasped it.
by moneywise3
Wed Oct 07, 2015 5:29 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel's new EM Fund
Replies: 36
Views: 2761

Re: Burton Malkiel's new EM Fund

Load is a four letter word on this forum.
by moneywise3
Thu Oct 01, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: Moving to Austin, TX
Replies: 35
Views: 4062

Re: Moving to Austin, TX

Thanks for all the comments. Dallas has come up as an alternative, so here are my thoughts. I want to live in the new economy. Dallas is a city just like Philly - a mix of everything. Whereas I expect Austin to be new age people who have moved there from elsewhere. Even within tech, I am looking for...
by moneywise3
Tue Sep 29, 2015 2:27 pm
Forum: Personal Consumer Issues
Topic: Moving to Austin, TX
Replies: 35
Views: 4062

Moving to Austin, TX

We are planning to move to Austin in next 1 year. Currently living in PA. The main motivation for moving is career. I am in high-tech industry, and experiencing a salary and opportunity plateau. Austin is our choice, short of Bay area. Also we want to invite our elderly parents from India to spend t...
by moneywise3
Sun Mar 01, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: HSA deduction question
Replies: 3
Views: 640

Re: HSA deduction question

Thanks
by moneywise3
Sun Mar 01, 2015 1:53 am
Forum: Personal Finance (Not Investing)
Topic: HSA deduction question
Replies: 3
Views: 640

HSA deduction question

I have been using TaxAct free software for my federal taxes. I just realized the software may be faulty and not deducting my HSA contributions. I qualify as a HDHP. Basically that software asks a bunch of questions and fills the forms for you. My employer fills Box 12 Code W with $6xxx, which is my ...
by moneywise3
Fri Jan 30, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: 4 essential documents: Suze Orman
Replies: 27
Views: 5033

4 essential documents: Suze Orman

Suze Orman has an online program for $63 that can generate these 4 documents. 1. a Will, 2. a Revocable Living Trust, 3. an Advanced Directive (is it same as Financial power of attorney) 4. a Durable Power of Attorney for Health Care. The offer includes free updates if your situation changes. Her in...
by moneywise3
Thu Oct 16, 2014 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4830

Re: How did you get from $1M to $10M

Thanks for the responses so far. 1. I want $10M because I want to spend it (meaningfully) and share it with others 2. My plan is to enjoy my work more and more as time goes by. So retiring is not a goal, it may be a choice at some point. 3. When I reach $10M, look for my next post of going from $10M...
by moneywise3
Thu Oct 16, 2014 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4830

How did you get from $1M to $10M

I am at $1M net worth. I have no plans of stopping here and next goal is $10M. I want to hear from people how they reached that level. I trust Brian Tracy "Your first million is the hardest, next 99 is inevitable". Did you just use the same investing strategy post $1M mark? Did you seek a ...
by moneywise3
Tue Oct 14, 2014 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on getting out [of job]
Replies: 37
Views: 5844

Re: Thoughts on getting out [of job]

Let me offer some alternate medicine: 1. Were you looking for quick results from therapy? My guess is you did not give it enough time to work. 2. If you hate office politics, just make sure you don't do it. The hate will go away. 3. Make sure you are living a balanced life - healthy eating, exercise...
by moneywise3
Thu Oct 09, 2014 1:48 pm
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 41685

Re: Headed for a 300+ point loss today?

Stocks on sale today - for those who care. I don't.
by moneywise3
Sat Jan 25, 2014 5:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 27274

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy B'day Taylor. It's an inspiration to see a 90 year old!
by moneywise3
Wed Jan 01, 2014 11:40 pm
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 11107

Re: What was your 2013 return?

Don't know and don't care. If market went up, my NW increased. If market was down, I bought cheap. I come in here to see if there are any threads on changes to boglehead philosophy. If not, I am golden!
by moneywise3
Wed Dec 11, 2013 9:42 am
Forum: Personal Consumer Issues
Topic: Best new car-under $30K
Replies: 44
Views: 4791

Re: Best new car-under $30K

I would go for Acura ILX with that budget! I have owned most every Japanese brand.
by moneywise3
Wed Nov 06, 2013 9:43 pm
Forum: Personal Consumer Issues
Topic: Asheville NC as a final destination
Replies: 65
Views: 5436

Re: Asheville NC as a final destination

Lived in Asheville a couple of years. I think very highly of it. But my opinion is biased since we made a great group of friends pretty quickly. That made the whole experience such a pleasure. Downtown restaurants are awesome. Cost of living is not low. But the city has almost all amenities.
by moneywise3
Wed Nov 06, 2013 2:48 pm
Forum: Investing - Theory, News & General
Topic: A twist on dollar cost averaging
Replies: 9
Views: 2304

Re: A twist on dollar cost averaging

Value averaging has been around a long time. It may be too complicated for an average investor though, so its not popular. The other way of achieving VA is rebalancing. Save some transaction costs, you could achieve the same thing by monthly rebalancing.
by moneywise3
Sat Apr 27, 2013 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Your Dumbest Financial Move
Replies: 166
Views: 14980

Re: Your Dumbest Financial Move

These 2 are exactly my dumbest moves (although numbers are different). Not investing in stocks when I was in my twenties. I thought they were too risky. Second dumbest financial move: Buying stock in the company I worked for. My career already depended on the success of the company, so it was pretty...
by moneywise3
Mon Apr 15, 2013 9:35 am
Forum: Investing - Theory, News & General
Topic: Bond quiz
Replies: 25
Views: 2002

Re: Bond quiz

Is there a tutorial on this somewhere?
by moneywise3
Fri Apr 05, 2013 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Roth+tIRA contributions in a tax year
Replies: 3
Views: 305

Roth+tIRA contributions in a tax year

How does IRS know if someone contributes to both traditional IRA and Roth IRA (above the limit)? AFAIK the trustee does not report IRA contributions (neither Roth nor traditional) to IRS. Individuals only report tIRA contributions when doing taxes. How does IRS find out if someone contributed 5k to ...
by moneywise3
Fri Mar 15, 2013 10:18 am
Forum: Investing - Theory, News & General
Topic: 9 Good Financial Rules
Replies: 8
Views: 1885

Re: 9 Good Financial Rules

Thank you
by moneywise3
Wed Mar 06, 2013 8:31 pm
Forum: Investing - Theory, News & General
Topic: I hit my number today.
Replies: 74
Views: 7866

Re: I hit my number today.

Congrats! I am working on hitting mine...
Was it $1,000,000 by any chance? Only if you care to share.
by moneywise3
Thu Feb 28, 2013 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is Med School still a good financial investment?
Replies: 123
Views: 9251

Re: Is Med School still a good financial investment?

With so many uncertainties, your best bet is to get in a career you love. Whichever way it turns out financially, you will be sure to be doing the work you love.
by moneywise3
Wed Feb 27, 2013 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is Med School still a good financial investment?
Replies: 123
Views: 9251

Re: Is Med School still a good financial investment?

Maybe, it is a good financial investment. But that is a wrong way to make a career choice. You can't force an interest of something on yourself at age 24.
If you don't end up liking practicing medicine, there is little else you can do with a MD degree.
by moneywise3
Mon Feb 25, 2013 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage on Friday!
Replies: 38
Views: 3608

Re: Paid off the mortgage on Friday!

Congrats!!
by moneywise3
Thu Jan 24, 2013 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 28564

Re: Two Comma Club

Congratulations!!
I am working on mine.
by moneywise3
Fri Jan 11, 2013 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: boglehead joke
Replies: 18
Views: 1384

Re: boglehead joke

If a boglehead was walking on the street there had to be a good reason, probably worth more than $100! Like healthy living, going to see a loved one etc.

You get the point - a boglehead doesn't even go where there is only a slight chance of returns.
by moneywise3
Tue Jan 08, 2013 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Buy now...retire there later?
Replies: 40
Views: 4005

Re: Buy now...retire there later?

Doesn't look like there is any downside to buying now.
by moneywise3
Tue Jan 08, 2013 1:29 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance Premium - Rules of Thumb
Replies: 2
Views: 580

Re: Homeowner's Insurance Premium - Rules of Thumb

One factor in premiums is cost of constructing the building (sans the land). So 100k and 200k home premiums won't exactly be a factor of 2. Then there are numerous other factors.
by moneywise3
Thu Jan 03, 2013 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Considering going for PhD
Replies: 39
Views: 4363

Re: Considering going for PhD

Thanks for all the replies.

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