Search found 67 matches

by rabbitrun
Tue Jun 13, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Why is VXUS up and VTIAX down?
Replies: 7
Views: 1139

Re: Why is VXUS up and VTIAX down?

^Well, you have the records of the your transactions, so you can tell us whether it has mattered or not. Has it? Date- Buy Price/Next Day Price 6/12/17- 28.06/28.26 5/11/17- 27.63/27.73 4/28/17- 27.22/27.27 3/23/17- 26.56/26.62 3/15/17- 26.50/26.66 3/10/17- 26.10/26.26 3/8/17- 25.92/25.92 March was...
by rabbitrun
Tue Jun 13, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: Why is VXUS up and VTIAX down?
Replies: 7
Views: 1139

Re: Why is VXUS up and VTIAX down?

So I usually buy VTIAX every month in taxable around the middle of the month. When deciding what day to buy I usually just look at the price of VXUS on this page: https://personal.vanguard.com/us/funds/snapshot?TTVETF=VETFTEST&FundId=3369&FundIntExt=INT#tab=1 If it is down, I usually buy tha...
by rabbitrun
Wed Jun 07, 2017 7:11 pm
Forum: Investing - Theory, News & General
Topic: Why is VXUS up and VTIAX down?
Replies: 7
Views: 1139

Re: Why is VXUS up and VTIAX down?

Thanks Grt2bOutdoors and triceratop- I get it now! :beer
by rabbitrun
Wed Jun 07, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: Why is VXUS up and VTIAX down?
Replies: 7
Views: 1139

Why is VXUS up and VTIAX down?

Today at close, Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) is down 0.07%, while its ETF, Vanguard Total International Stock ETF (VXUS) is up 0.04%. Shouldn't these funds mirror each other and move in the same direction daily? And if not, why not?
by rabbitrun
Mon May 29, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: best watch for climbing/mountaineering?
Replies: 9
Views: 816

Re: best watch for climbing/mountaineering?

Great tips all- thank you. :beer
by rabbitrun
Sun May 28, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: best watch for climbing/mountaineering?
Replies: 9
Views: 816

best watch for climbing/mountaineering?

Can anyone recommend a good watch with an altimeter/GPS for hiking, climbing, and/or mountaineering? Perhaps one in the Garmin line? Many thanks.
by rabbitrun
Thu May 18, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 33
Views: 4031

Re: million dollar condo?

Update: we have decided not to put an offer down on the condo. Bottom line is that since joining the forum late last year, reading a slew of finance books, and getting a handle on my finances for the first time ever, I have started saving 20% of my gross income comfortably, and the thought of being ...
by rabbitrun
Thu May 18, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Millenial getting into the game: asset allocation
Replies: 19
Views: 1671

Re: Millenial getting into the game: asset allocation

Do not go to medical school if your dream is to open an aquarium business by the age of 40. You will never find the time to do that (unless you slack at your job which will put you at risk of getting sued for malpractice). By the age of 40 you'll just be getting back on your feet after being beaten...
by rabbitrun
Mon May 15, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy Conservative Fund or its 4 fund equivalent
Replies: 9
Views: 1175

Re: LifeStrategy Conservative Fund or its 4 fund equivalent

Is this for a 401k or taxable account? Vanguard LifeStrategy Conservative Fund (VSCGX) has fully taxable bonds, which would be a reason why the 4 fund portfolio placed in a tax effecient manner might be better.
by rabbitrun
Sun May 14, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX vanguard international index fund
Replies: 21
Views: 2872

Re: VTIAX vanguard international index fund

Livesoft: I want to ask you about re-balancing which I think might be of interest to the OP and other readers in this thread. With an international fund like VTIAX, would you re-balance using so-called "bands" when the index fell or rose by a certain percentage instead of sticking to an a...
by rabbitrun
Sat May 13, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance and allocation questions
Replies: 2
Views: 311

Re: Rebalance and allocation questions

thanks willthrill81 for the advice. definitely need to read some of Mr. Swedroe's books!
by rabbitrun
Fri May 12, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance and allocation questions
Replies: 2
Views: 311

Rebalance and allocation questions

Current retirement assets: His 401k 9% Schwab US Large-Cap ETF (SCHX) (0.03%) 9% Schwab US Large-Cap Value ETF (SCHV) (0.04%) 9% Schwab US Small-Cap ETF (SCHA) (0.06%) 9% Vanguard Small-Cap Value ETF (VBR) (0.08%) 3% Schwab International Equity ETF (SCHF) (0.07%) 3% Schwab International Small-Cap Eq...
by rabbitrun
Sun May 07, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 1082

Re: Southeast Asia for a week, in August first week

Went to SE Asia last summer. Some highlights: Hanoi, Vietnam- Spent a few nights here and then did an overnight junk boat tour in Ha Long Bay. Incredible. In Hanoi, see if you can spring for the Sofitel Metropole, an incredible hotel which was bombed during the war. Cambodia- Angkor Wat is a can't m...
by rabbitrun
Sun May 07, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1 Day Transfer
Replies: 39
Views: 5252

Re: Ally 1 Day Transfer

I chose AMEX over Ally because of the faster transfer time. With AMEX, my funds show up in my bank account the next day.
by rabbitrun
Sat Apr 15, 2017 1:32 am
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 33
Views: 4031

Re: million dollar condo?

For me, I only buy homesteads that I can move out of and keep as a rental property at any time and at least break even on cash flow. You need to know what that unit will rent for on the market. We actually do this on purpose: 'house hacking.' We buy a homestead, live in it for a year, then move out...
by rabbitrun
Thu Apr 13, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 33
Views: 4031

Re: million dollar condo?

DW (who is in school)..... I think that this is the key. I would not buy until your wife graduates and settles into her work. There is no telling where her job will be and she might even find a dream job in a different city and you might follow here there. If you don't have strong family ties to yo...
by rabbitrun
Thu Apr 13, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 33
Views: 4031

Re: million dollar condo?

Certainly you can afford it, I'm just not sure it's the correct decision for you. Why not wait until after you have kids to make that decision? You may decide that when you have kids you will want a yard for them. Or maybe you will want to live in area with other young families so there are lots of...
by rabbitrun
Thu Apr 13, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 33
Views: 4031

Re: million dollar condo?

If you are early in your career, a rapidly gentrifying area in a rapidly growing city is the ideal location for you to own a property in (especially if you don't have kids yet)! Great point and that was why we bought there. Part of the issue is perhaps a feeling of self-consciousness when we compar...
by rabbitrun
Thu Apr 13, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 33
Views: 4031

Re: million dollar condo?

dm200 wrote:
What does your spouse say and want?She would love the condo

Maybe stay where you are and hire someone to do yard work, etc.We do and that does help
by rabbitrun
Thu Apr 13, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 33
Views: 4031

Re: million dollar condo?

1) Maxing your 401(k) and Roth and trying to save a lot in taxable are all well and good, but are you on track to the retirement you want? Honetsly I'm not sure 2) Are you planning for kids, and related expenses? Prob 1-2 yrs away 3) I get that your location is hot for real estate, but downtown con...
by rabbitrun
Thu Apr 13, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 33
Views: 4031

Re: million dollar condo?

If I bought the condo I feel like I would just be riding the hedonistic treadmill to more house, and moving away from the LBYM tenet many bogleheads advocate. To me this sounds like a classic case of keeping up with the Jones'. Or at least that's how you are coming across. Most posters on here aski...
by rabbitrun
Thu Apr 13, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 33
Views: 4031

million dollar condo?

I am a physician in a HCOL area. I currently owe 539k on a 730k mortgage at 3.75%. My house is in a a rapidly gentrifying area of a rapidly growing city (one of the fastest growing cities in the country, housing prices up 8% this year alone). Most of my partners live in the "rich" part of ...
by rabbitrun
Sun Apr 09, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1364

Re: Planning Scandinavia trip

Forgot to mention...just in case you are into food (and would plan part of your itinerary around it), some can't miss spots are:
Copenhagen- Amass
Stockholm- Lilla Ego, Gaston Vin, Corner Club (cocktail bar)
Bergen- Bare Vestland, Pingvinen
by rabbitrun
Sun Apr 09, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 2297

Re: Trip Ideas - San Francisco & Northern CA

Check out the Land's End hike in SF. About a 2 hour hike along the coast, with great views including the GG bridge. Great spots to sit and eat lunch as you overlook the pacific ocean.

https://goo.gl/maps/hvb7uqcqyVS2

You can park right at eagle's point and pick up the trail there. Out and back.
by rabbitrun
Sun Apr 09, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1364

Re: Planning Scandinavia trip

We did a similar trip two years ago: Flew from the states into Stockholm. Flight from Stockholm to Bergen. Flight from Bergen to Copenhagen. Copenhagen to Berlin. Berlin to Vienna. Vienna back to states. We did it in just over two weeks. Flew everywhere. The flights were are relatively cheap and we ...
by rabbitrun
Sat Apr 08, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 8677

Re: Dream vacation spots?

It's the south island of New Zealand for me. My wife and I honeymooned for a month in Australia/New Zealand about 10 years ago but it wasn't enough time to visit the south island. We made a promise to ourselves that we would come back someday to travel around the south island for at least a few wee...
by rabbitrun
Sun Apr 02, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Physician-Resident looking for Portfolio Advice
Replies: 34
Views: 2880

Re: Physician-Resident looking for Portfolio Advice

+1 to taking an extended break after training and before your first job if you can. it could be the last long vacation you'll have for years. I really like the Investor's Manifesto by Bernstein for your next non-medical read. Job security as a physician is good, but not as good as you might think. I...
by rabbitrun
Sun Mar 26, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4960

Re: How did you do your income taxes?

I have been using my group's CPA who charges a ton ($1500). I don't believe my taxes are that complicated, but there are a few K-1s, which is probably what scares me into not doing them myself. The cost is really bothersome, however, and hopefully next year I can sort it out on my own with some tax ...
by rabbitrun
Sun Mar 26, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 2779

Re: Help my portfolio is messy

This weekend I sold off all the securities with ERs above .5. Great time to do it now with the market being on a high. Interesting to note, of all my securities the ones with the highest ERs showed the worst performance. I took a loss on a few. A key Boglehead principle is that the ER is the only r...
by rabbitrun
Sat Mar 25, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 23
Views: 1763

Re: planning to visit San Francisco for a short break

Use Uber or Lyft for transport in the City. The Ferry Building is great. I would recommend hiking the Land's End trail (NW corner of city) and bringing lunch. The views of the ocean and GG Bridge are great. If it were me, I'd also make a jaunt up to the wine country. Can't go wrong with some champag...
by rabbitrun
Sat Mar 25, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard brokerage: Funds available to trade
Replies: 15
Views: 1234

Re: Vanguard brokerage: Funds available to trade

So I can buy a Vanguard mutual fund in my taxable with "funds available to trade" that have not yet settled into my settlement fund and not be dinged margin interest? Or do I just wait a few days until i see the money in my settlement fund? Is my taxable account a margin or non-margin acco...
by rabbitrun
Sat Mar 25, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance
Replies: 7
Views: 698

Re: Travel insurance

If you buy the trip on a credit card, it would be worth checking into what coverage the CC offers.

For example, https://www.chase.com/card-benefits/sap ... rve/travel

Also, in the past I have purchased travel insurance from Travelex.
by rabbitrun
Fri Mar 24, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 20
Views: 1557

Re: AXA Annuity finally transferred to Vanguard

Finally seeing the funds in my Vanguard account. Woohoo! My current Roth is all in Vanguard Total Stock Market Index Fund Admiral Shares VTSAX. Was just going to lump sum the whole 39k into that, and not worry about timing. I am currently 80/20 and feel good about my AA. Thoughts?
by rabbitrun
Thu Mar 23, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Buy on Ex-Div Date or Just Afterwards?
Replies: 17
Views: 1451

Re: Buy on Ex-Div Date or Just Afterwards?

On the Vanguard fund profile, which date is of importance between "record date", "reinvest date", and "payable date?" Each are one day apart.
by rabbitrun
Thu Mar 23, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring funds from FA - question on canceling Anuity
Replies: 4
Views: 226

Re: Transferring funds from FA - question on canceling Anuity

I'm in the process of transferring an annuity to Vanguard. I paid a $900 surrender fee (I was in year 6 of 7, around 40K total). The key question is what are the yearly fees of your account? (Account was with AXA- had to dig a lot to get the exact fees). Mine were >$550/yr, so it was a no brainer to...
by rabbitrun
Thu Mar 23, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Seeking wisdom around saving, living, and housing.
Replies: 22
Views: 2186

Re: Seeking wisdom around saving, living, and housing.

I would add that an overseas trip for your children will offer more to them in the long run than simply a vacation. Gaining exposure to the world at a young age, I believe, will do wonders for their development into well-rounded individuals. I see patients dying of cancer every day. Take the vacatio...
by rabbitrun
Thu Mar 23, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401K vs. 401K
Replies: 18
Views: 1273

Re: Roth 401K vs. 401K

To play a little devil's advocate, one could argue that for people in the >25% tax rate, the taxes under the current administration may in fact end up being much lower than they will be in 30 years. This might lead you to put a little more in the Roth 401k compared to traditional.
by rabbitrun
Mon Mar 20, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Too much information! Where to begin?
Replies: 3
Views: 623

Re: Too much information! Where to begin?

1. No need to switch it, esp with that ER of 1%. What funds are available in your new 401k- can you get ER any lower? 2. Begin by reading some books on the recommended reading list of this website. Does your company have a 401k match? You do not want to miss out on that free money. 3. Getting an eme...
by rabbitrun
Sat Mar 18, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Buying Struggle
Replies: 6
Views: 1071

Re: Vanguard Buying Struggle

Go to "account overview." Click on your "Roth IRA brokerage" account. Underneath on the bottom left click on "Buy and sell" then "Buy Vanguard funds." It will bring you to a page where you can check an existing fund or "Add another Vanguard mutual fund.&q...
by rabbitrun
Sat Mar 18, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 16113

Re: "Millionaire Next Door" Net Worth Formula

I'm 37 and so far off its kind of comical. :shock:
by rabbitrun
Thu Mar 16, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 8917

Re: Do you avoid international investing like Jack Bogle?

oldcomputerguy wrote:My AA has 30% of my equity in international.


+1
by rabbitrun
Fri Mar 10, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 20
Views: 1557

Re: AXA Annuity getting fleeced- switch to Vanguard?

As an update, transferring this has been a PITA. Called Vanguard, they said to call AXA. Called AXA, they said to call Vanguard. Filled out Vanguard paperwork and sent it in. AXA wouldn't accept it. Filled out AXA paperwork to send to Vanguard to send to AXA. Wish I could go back in time and undo my...
by rabbitrun
Tue Mar 07, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3472

Re: How am I doing?

The first thing to do is see if there are any other options for you to reduce your current tax expense. Can you contribute to an HSA? If so, max it out and then spend out-of-pocket for any medical expenses (not much, but it's something). Yes I am maxing out my HSA. The level of contributions to you...
by rabbitrun
Thu Mar 02, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3472

Re: How am I doing?

For my international allocation in taxable I am thinking of Schwab International Index Fund SWISX (0.06) or Schwab International Equity ETF (SCHF) (0.07%)? Thoughts between the two?
by rabbitrun
Sun Feb 26, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 77
Views: 13375

Re: Charles Schwab Checking + Brokerage Account

Thanks for the replies. I already have a brokerage account with them, and the no ATM fees (even international) is appealing (better than Portfolio checking at WF which only comps "Wells Fargo" ATM fees). Hate to have my credit pulled at a place where I am already a client with taxable and ...
by rabbitrun
Sat Feb 25, 2017 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 77
Views: 13375

Re: Charles Schwab Checking + Brokerage Account

Schwab says they will run a credit check when you apply for their checking account. Anyone know if this is a "hard" pull that will show up on a credit report?
by rabbitrun
Sat Feb 25, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3472

Re: How am I doing?

For this updated AA I am going to have to sell Janus Balanced Fund Class T (JABAX) (0.84%) in taxable to buy Schwab International Equity ETF (SCHF) (0.07%). On the Schwab website I have options to "sell" or "sell and buy another." Is there any difference in these two options (be...
by rabbitrun
Sat Feb 25, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3472

Re: How am I doing?

I think the updated plan is sound. Definitely take some more time and learn about investing and personal finances. It will pay off very well in the long run. You're on a very good trajectory....already saved a good amount, reasonable student debt load, mortgage reasonable for income, etc. I feel li...

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