Search found 203 matches

by moneywise3
Tue Aug 30, 2016 1:21 am
Forum: Personal Consumer Issues
Topic: How Does Your money Make Money?
Replies: 39
Views: 3464

Re: How Does Your money Make Money?

Do you have a special skill or knowledge in any area? You get the idea.
by moneywise3
Mon Aug 29, 2016 7:01 pm
Forum: Investing - Theory, News & General
Topic: In what order should I read these books?
Replies: 27
Views: 1805

Re: In what order should I read these books?

I haven't read any of these books fully, just partly. But I read this forum, and never felt the need to read anything else.
by moneywise3
Sun Aug 28, 2016 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Help, please.
Replies: 6
Views: 700

Re: Retirement Portfolio Help, please.

What's your profession? Is 2 months of emergency living expenses enough?
by moneywise3
Sun Aug 28, 2016 9:07 pm
Forum: Investing - Theory, News & General
Topic: Do passive investors need active investors to survive?
Replies: 20
Views: 2717

Re: Do passive investors need active investors to survive?

Put another way, if more and more people see the advantages to passive investing will the advantages start to diminish? That will never happen. Those flashy MBAs need something to do. I am not even worried that the whole world will become a passive investor. It's like saying there will be world pea...
by moneywise3
Sun Aug 28, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investment for Minor
Replies: 9
Views: 475

Re: Investment for Minor

There are 3 things to consider here: account type (Roth, taxable etc), investment type (balanced fund, TR fund, cash....) and custodian. Also consider what are the future plans - adding every year etc.
by moneywise3
Sun Aug 28, 2016 8:58 pm
Forum: Investing - Theory, News & General
Topic: Outlook on oil
Replies: 52
Views: 2880

Re: Outlook on oil

You already own the right proportion of these stocks, assuming you are a boglehead. Then the price of oil doesn't matter. Go back to loving your family.
by moneywise3
Sun Aug 28, 2016 8:54 pm
Forum: Investing - Theory, News & General
Topic: Rich Dad/Poor Dad Assets
Replies: 56
Views: 5660

Re: Rich Dad/Poor Dad Assets

He is sort of in the show business, not investment advisor. He sells doesn't mean his advise is good. Anytime I see such people, it feels like a dating proposal to a happily married man. I haven't found a reason to budge from Bogleheads philosophy.
by moneywise3
Sun Aug 21, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 8936

Re: Favorite Restaurant Stop on Road Trips

I never risk local restaurants when out of town. Eat light and predictable like Subway. Chinese tend to be very consistent too.
by moneywise3
Sun Aug 21, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 129
Views: 10947

Re: Best Crossover SUV to purchase

My personal choice is Acura Mdx or Rdx.
by moneywise3
Sun Aug 21, 2016 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Are these fees / returns reasonable
Replies: 38
Views: 2474

Re: Are these fees / returns reasonable

30 funds! That's a yellow flag by boglehead standards. Did they sell you insurance? Did they charge extra for estate planning? Have you quantified the benefit of TLH thus far?
by moneywise3
Sat Aug 20, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Get a mortgage even if not needed?
Replies: 41
Views: 3587

Re: Get a mortgage even if not needed?

Home is part investment and part consumption. Have you calculated tax savings? Do you have a projected appreciation of investments if you don't pay with cash?
by moneywise3
Sat Aug 20, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Portfolio Review
Replies: 34
Views: 4015

Re: Rick Ferri Portfolio Review

You don't need extra REIT. There's a very few people with special goals that need that.
by moneywise3
Sat Aug 20, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 3723

Re: Tips for a 1000 miles car trip with toddler and baby

I recently did this. Suggest doing 70-30 split. You tend to start late the next morning. Plus you wanna get to your destination not too late in the evening.
by moneywise3
Sat Aug 20, 2016 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Sell home and rent?
Replies: 9
Views: 956

Re: Sell home and rent?

Take into account the closing costs in selling. Also the rents have been going up at a faster rate in last few years.
by moneywise3
Sat Aug 20, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Portfolio Review
Replies: 34
Views: 4015

Re: Rick Ferri Portfolio Review

Why doesn't it add up to 100?
by moneywise3
Wed Aug 03, 2016 4:32 am
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 43
Views: 3381

Re: Living in various places 4 months out of the year.

Don't know enough about those particular places, but most places in America are the same. Wal-Marts, highways, cars, chain restaurant et al don't help. Maybe go international. How about your source of income during this period? Some doctors in group practice can do it.
by moneywise3
Wed Aug 03, 2016 4:28 am
Forum: Investing - Help with Personal Investments
Topic: Save for a house or keep investing or both?
Replies: 7
Views: 714

Re: Save for a house or keep investing or both?

Do you have your personal investment statement done?
by moneywise3
Wed Aug 03, 2016 4:26 am
Forum: Investing - Theory, News & General
Topic: How often are stocks at 'all time' highs?
Replies: 11
Views: 1133

Re: How often are stocks at 'all time' highs?

Maybe a little more context on why the question will help. A graph from any website could give at least a qualitative answer in 2 seconds. The boglehead philosophy is high or low, there's money to be made by just following a few simple rules.
by moneywise3
Wed Aug 03, 2016 4:20 am
Forum: Personal Consumer Issues
Topic: Where to move
Replies: 54
Views: 4307

Re: Where to move

Asheville, NC. Beautiful in all respects but not costs.
by moneywise3
Wed Aug 03, 2016 4:19 am
Forum: Personal Consumer Issues
Topic: rental car club
Replies: 7
Views: 761

Re: rental car club

So you want a rental car without people knowing it's a rental car? May we have the reason behind it, so possible solutions could be offered.
by moneywise3
Wed Aug 03, 2016 4:17 am
Forum: Personal Finance (Not Investing)
Topic: New Job: Take Paycut by leaving Big 4?
Replies: 32
Views: 4208

Re: New Job: Take Paycut by leaving Big 4?

Your focus is too much on the money part. It's unlikely any change you make is going to be fulfilling.
by moneywise3
Wed Aug 03, 2016 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Timing The Market With REITS?
Replies: 8
Views: 1265

Re: Timing The Market With REITS?

Are you hoping to get encouragement on market timing on this forum? Lol
by moneywise3
Sun Jul 31, 2016 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash account question
Replies: 7
Views: 757

Re: Cash account question

BTW cash component is different from emergency fund. You can't say half of this is that. Are you changing your AA as well? Generally EF is in terms of months of expenses.
by moneywise3
Sun Jul 31, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: House Loans
Replies: 10
Views: 864

Re: House Loans

I have never heard of this kind of expansion, unless it's a farm dwelling. Its big money too, so make sure it will give your intended returns. That could be comfort, emotional or financial.
by moneywise3
Sun Jul 31, 2016 9:49 pm
Forum: Investing - Theory, News & General
Topic: Is market out of Sync
Replies: 25
Views: 2293

Re: Is market out of Sync

malabargold wrote:No question that this is a time to be fearful while
others are greedy

But am I selling? No just stock piling a little more dry powder

I don't even bother to figure whether others are being greedy or fearful. That would be market timing. Stick to your AA and contribution plan.
by moneywise3
Sun Jul 31, 2016 9:45 pm
Forum: Investing - Theory, News & General
Topic: Is market out of Sync
Replies: 25
Views: 2293

Re: Is market out of Sync

Yes I meant new contributions from your paychecks as per your investment plan. Actually you don't do it with DCA as the goal, but it ends up as DCA.
by moneywise3
Sat Jul 30, 2016 1:42 am
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 44
Views: 4199

Re: I have $3,000 to gamble

I am doubling the money in 60 days. Look for the address to mail the check in your inbox.
by moneywise3
Sat Jul 30, 2016 1:39 am
Forum: Investing - Theory, News & General
Topic: Is market out of Sync
Replies: 25
Views: 2293

Re: Is market out of Sync

All of these comments sound familiar. Yet no one has been able to predict the market. Are you hoping to predict a correction? Stick to your AA, and DCA. After that valuations don't matter.
by moneywise3
Sat Jul 30, 2016 1:34 am
Forum: Personal Consumer Issues
Topic: Search "anywhere" for flexible travel destination?
Replies: 6
Views: 533

Re: Search "anywhere" for flexible travel destination?

Look for last minute deals on any travel website.
by moneywise3
Sat Jul 30, 2016 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Insure Home for less than replacement value
Replies: 15
Views: 923

Re: Insure Home for less than replacement value

Its not prudent spending time on this issue. Just take the full coverage. Life is all about such decisions - I would sweat the big stuff.
by moneywise3
Mon Jul 25, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 530
Views: 48343

Re: What's Your Credit Card Rewards Strategy?

My strategy is my time is for loving my family. Not wasting my time on slick deals. I will always have enough for everything I would ever want. Those who "save" more money, end up paying it as taxes or to charity. I am up for debate if anyone wants to challenge that. Its an open invitation!
by moneywise3
Sun Jul 24, 2016 10:23 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 8733

Re: Reliving the Nightmare of the Crisis

I remember the market went up 10% in a single day. The explanation analysts gave was ludicrous. No one really knows anything.
by moneywise3
Sun Jul 24, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Allstate Umbrella Insurance
Replies: 33
Views: 2613

Re: Allstate Umbrella Insurance

There is no predictability on insurance premiums. Not with any carrier including Geico.
by moneywise3
Fri Jul 22, 2016 11:22 pm
Forum: Investing - Theory, News & General
Topic: Recession post-election?
Replies: 40
Views: 2864

Re: Recession post-election?

So you know recession is coming? You could be super rich.
by moneywise3
Fri Jul 22, 2016 11:19 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3372

Re: Canada vacation

Car insurance companies used to give a different card to carry. Let us know what you find out.
by moneywise3
Fri Jul 22, 2016 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 16365

Re: How many folks choose to give inheritance to their children in unequal portions?

Fund therapy sessions for the two children. Then divide equally. Without therapy they are going to end up same, no matter the dollar figure they get.
by moneywise3
Fri Jul 22, 2016 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 14866

Re: Early retirees, how much did you leave on the table?

I appreciate that everyone has an opinion but as the OP I asked a pretty specific nuts and bolts question about finances not philosophy of life. I greatly appreciate those who have attempted to answer the question asked it is very helpful to me. Thank you. A great many things about money can't be a...
by moneywise3
Tue Jul 19, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Creating simple website
Replies: 11
Views: 1114

Re: Creating simple website

Who's gonna host your web server? They probably have tools to let you develop webpages.
by moneywise3
Tue Jul 19, 2016 5:44 pm
Forum: Personal Consumer Issues
Topic: Bay Area Salary Thread
Replies: 22
Views: 2478

Re: Bay Area Salary Thread

What's the purpose of this thread again? Create a database similar to glass door, but of bogleheads?
by moneywise3
Tue Jul 19, 2016 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway Class B
Replies: 42
Views: 3224

Re: Berkshire Hathaway Class B

triceratop wrote:Owning a single share of BRK.B has proved useful to me in acquiring a GEICO car insurance discount; I believe the rate is 8%.

The capital appreciation hasn't been bad either, but it's only a few 10s of dollars.

That discount is available through multiple means.
by moneywise3
Tue Jul 19, 2016 5:39 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway Class B
Replies: 42
Views: 3224

Re: Berkshire Hathaway Class B

It is not truly diversified. Has S&P 500 not made people rich in the past? Part of it's success can be attributed to one guy, who may not be around forever. So I would stick to Bogleheads approach. Also factor in extra trading costs and time spent to review annual reports etc.
by moneywise3
Sun Jul 17, 2016 11:56 am
Forum: Investing - Theory, News & General
Topic: Fidelity four-in-one index fund lower ER, invest everything in it?
Replies: 27
Views: 2436

Re: Fidelity four-in-one index fund lower ER, invest everything in it?

Fidelity has a history of temporarily lowering their ER's through "corporate credit". ER can go up once you stop paying attention to it. I just don't understand why this Fear Uncertainty Doubt (FUD) keeps getting raised on this forum. People have been stating this nonsense for over 15 yea...
by moneywise3
Sat Jul 16, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: How do you find a tenant for rental house?
Replies: 37
Views: 2166

Re: How do you find a tenant for rental house?

Post online everywhere, have printed flyers out to neighbors, spread the word of mouth in the community etc. Not rocket science, but outcome can not be predicted with any certainty.
by moneywise3
Sat Jul 16, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: how long should a practice retirement be?
Replies: 22
Views: 2226

Re: how long should a practice retirement be?

I would say 1 year with 50% work load. Going through all the seasons will open up some issues.
by moneywise3
Sat Jul 16, 2016 1:38 pm
Forum: Investing - Theory, News & General
Topic: Stocks at all time high?
Replies: 34
Views: 4011

Re: Stocks at all time high?

Good story about Bob. Market is almost always at all time high. So that's when people invest, and come out fine. No reason to worry.
by moneywise3
Sat Jul 16, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6439

Re: What's up with 4K tv? Should I buy one?

There's a distinction between OTA and cable based transmission. OTA is typically VSB and cable is 256-QAM (sometimes 64-QAM). Very few people receive OTA directly in their homes, so stations broadcasting in 4k is a moot point.
by moneywise3
Sat Jul 16, 2016 1:22 pm
Forum: Investing - Theory, News & General
Topic: Fidelity four-in-one index fund lower ER, invest everything in it?
Replies: 27
Views: 2436

Re: Fidelity four-in-one index fund lower ER, invest everything in it?

Fidelity has a history of temporarily lowering their ER's through "corporate credit". ER can go up once you stop paying attention to it. What is the fourth fund?
by moneywise3
Thu Jul 14, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8743

Re: Boss cutting salary in response to employee not doing "job"

Truthfully the best route is to look for a new job. Court process is tiring, and hardly pays back.
P.S. have seen a recent spurt in "for my friend" posts
by moneywise3
Wed Jun 29, 2016 10:27 pm
Forum: Investing - Theory, News & General
Topic: I think Buffett got this wrong
Replies: 87
Views: 5002

Re: I think Buffett got this wrong

Let's say that you bought $10,000 of the S&P 500 index fund on Friday, October 16th, 1987. I buy $10,000 of the S&P 500 index fund on Tuesday, October 20th. I don't have S&P500 numbers, but the Dow lost 22.6% of its value on October 19th. Are you telling me I won't have a larger long te...
by moneywise3
Sun Jun 19, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Buying a used car from a rental agency
Replies: 23
Views: 2045

Re: Buying a used car from a rental agency

I am looking to buy a 1 to 3 year old van. Surprisingly rental fleet cars are coming up a lot in searches. Maybe it's a recent phenomenon that rental companies are getting into this big. So far I haven't found any major negatives going for such cars.

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