Search found 178 matches

by stimulacra
Fri Apr 06, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3458

Re: How often do you replace your office shoes?

I rotate through 4 pairs of Allen Edmonds Monday through Thursday. Fridays I wear suede chukkas. I have my Allen Edmonds dress shoes resoled every two years through their recrafting program. Great video of the program below: https://youtu.be/1cT5VJmmgVM I like it because the shoes are as good as new...
by stimulacra
Wed Apr 04, 2018 11:47 am
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 55
Views: 11792

Re: Houston Chapter

Hi everyone. Turnout for Saturday's meetup was pretty low key (3 people total) but made for some good conversation. Looking to keep the momentum going for May. Tentative date for the next Houston meetup: May 12, 2018 (Saturday) Location TBD Looking into some public library options or tea-house / cof...
by stimulacra
Tue Apr 03, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Saving For Retirement as a Millennial
Replies: 28
Views: 2338

Re: Saving For Retirement as a Millennial

You're doing great. Earlier is always better but one's 20's should be devoted to fun and exploratory growth as well… looks like you'll be fine.
by stimulacra
Sat Mar 31, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 3256

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

Unless you go the personal injury attorney route, there’s not a whole lot of wiggle room in the negotiations. I had some minor back injuries when I got rear ended and my car at the time was totaled. In addition to the value of the car, I got 2x that dollar amount from the settlement after treatment ...
by stimulacra
Fri Mar 30, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5752

Re: New car from dealer may have close to 150 miles - ok?

I wouldn't have any specific concerns with the 150 miles. I would still ask to test drive it and do a thorough inspection before taking delivery.
by stimulacra
Fri Mar 30, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 8946

Re: What is the endgame for Millennials?

Carpe diem > memento mori > gather ye rosebuds > YOLO

There have always been aphorisms encouraging the young to embrace and enjoy life recklessly while they can.
by stimulacra
Fri Mar 30, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 8946

Re: What is the endgame for Millennials?

I'm somewhere between Gen-X and Millennials (depending on what cut-off you care to use). I remember reading Douglas Coupland's “Generation X: Tales for an Accelerated Culture” in middle school and feeling vaguely condemned to an economically uncertain future of “McJobs”, zero opportunity for home ow...
by stimulacra
Thu Mar 29, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Which of our cars should we use more, old or new?
Replies: 32
Views: 2308

Re: Which of our cars should we use more, old or new?

To the extent that you have a choice… I would use the older vehicle for around-town errands and acting as a general runabout. All of the minor fender benders I've ever had was while running errands, commuting to work, or meeting up with friends. Door dings, paint scratches and whatever else doesn't ...
by stimulacra
Wed Mar 21, 2018 10:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 55
Views: 11792

Re: Houston Chapter

Hey everyone: Info for the Houston Bogleheads Meetup below: Date and Time March 31st (Saturday) at 10:30 AM. French House 5901 Westheimer Rd, Houston, TX 77057 Link to menu: http://frenchhousecafe.com/menu/ It looks like we have interest from people coming from Katy and Cypress so I figured this are...
by stimulacra
Wed Mar 14, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Noticed a new benefit at work: Healthy Future HRA balance.
Replies: 5
Views: 757

Re: Noticed a new benefit at work: Healthy Future HRA balance.

Thank you everyone for the additional info. For the time being I'm going to consider the HRA a wildcard bonus benefit and keep planning as if it wasn't there. I was thinking about making the investable portion of my HSA 100% equities and have the HRA 6% interest rate function as more of a fixed inco...
by stimulacra
Tue Mar 13, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Noticed a new benefit at work: Healthy Future HRA balance.
Replies: 5
Views: 757

Noticed a new benefit at work: Healthy Future HRA balance.

While logging in to my benefits portal at work today I noticed a new account balance on the account dashboard (via MyCigna). It appears to be a Healthy Future – Health Reimbursement Account (HRA). The current balance is $391.26. It earns an interest rate of 6% per year. It is separate from my HSA wh...
by stimulacra
Mon Mar 12, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?
Replies: 39
Views: 3203

Re: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?

Also with inflation, it seems waiting decades to reimburse yourself (in future dollars) for medical items occurring in 2018 would be counterproductive. By that logic, if you could pay current expenses out of a Roth you'd always choose to do so. Unless I misunderstand your point. Foregoing tax free ...
by stimulacra
Mon Mar 12, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?
Replies: 39
Views: 3203

Re: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?

My HSA has enough in cash to pay my max OOP. The rest is invested. For me this is a good compromise. I thought of that approach but IMO it really doesn't make sense. If you believe in investing your HSA, why not save extra cash in your emergency fund rather than in your HSA? It seems to me that the...
by stimulacra
Mon Mar 12, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?
Replies: 39
Views: 3203

Re: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?

Yeah I think so. I treat the cash minimum as a mini-EF for out-of-pocket and deductibles (you might be 100% healthy but you don't know what tomorrow holds). My employer kicks in an additional $1k per year to employees who participate in the HSA versus other forms of employer provided coverage. I kee...
by stimulacra
Fri Mar 09, 2018 1:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 55
Views: 11792

Re: Houston Chapter

Looks like we got at least two other people (via inbox) wanting to restart the Houston chapter… I guess to give some clear options (Houston can be a logistical challenge traffic wise) thinking of the two options below for Late March / Early April: 1) Weekend brunch/coffee option: French House (5901 ...
by stimulacra
Fri Mar 09, 2018 1:28 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 124
Views: 11824

Re: Why International again?

I guess home country bias comes to mind; Japan in the 1980's, Russia before WWI, Germany during the “Golden Twenties”… things are good, even great, before they suddenly go downhill or stagnate indefinitely. I have international because it's been relatively cheap to either rebalance into or direct ne...
by stimulacra
Thu Mar 08, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't invest in my company 401K - mistake?
Replies: 24
Views: 2492

Re: Didn't invest in my company 401K - mistake?

15 years ago was pre-fininancial crisis… how did you guys navigate that particular storm? An early IRA account I had, (pre-bogleheads via UBS) had ridiculously high fees and a small balance, so that even though the funds themselves did relatively well compared to their benchmarks, the balances neve...
by stimulacra
Thu Mar 08, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Large/Mid/Small Cap blend to mimic Total Stock Market
Replies: 15
Views: 899

Re: Large/Mid/Small Cap blend to mimic Total Stock Market

Follow up: Is there a case for the Mid Cap (S&P 400) in a portfolio? Currently I have Mid-cap value (VMVAX) at around 10% of my overall portfolio. Mainly wanted to add a value tilt to my allocation. It might be redundant on some level but don't think it's hurting me at the moment…  I might simplify...
by stimulacra
Thu Mar 08, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Large/Mid/Small Cap blend to mimic Total Stock Market
Replies: 15
Views: 899

Re: Large/Mid/Small Cap blend to mimic Total Stock Market

My 401k has Vanguard’s Large, Mid, and Small Cap index funds instead of the Total US fund. What allocation to these three funds should I be making to accurately mimic the Total US fund? With a previous 401k I've tried the following below and it tracked pretty closely to Vanguard's total market: 80%...
by stimulacra
Thu Mar 08, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Didn't invest in my company 401K - mistake?
Replies: 24
Views: 2492

Re: Didn't invest in my company 401K - mistake?

So I decided not to enroll in the company 401K. I worked there for three more years. What did you do in lieu of enrolling in the company 401k? If you opened an IRA, and maxed it out since then, it might be a wash. If you opened a taxable account and/or invested in a bunch of individual tickers / hi...
by stimulacra
Tue Feb 27, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 7881

Re: Physical cash

My close friend bought the adjacent house from his at the end of a remote road in rural New England a few years ago. It was owned by a family of survivalists who kept largely to themselves. When my friend tore out the walls to renovate, he found slightly more than $70,000 in silver coins tucked up ...
by stimulacra
Tue Feb 27, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 7881

Re: Physical cash

I usually keep between $50 - 100 in cash in my wallet at any given time. Helps me stay under budget for lunch and when running weekend errands (haircut, coffee, etc…). I usually keep four or five dollar coins in the coin pocket of my jeans and it's come in hand countless times for small purchases or...
by stimulacra
Tue Feb 27, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Need a Pocket Watch
Replies: 26
Views: 1350

Re: Need a Pocket Watch

Cheap option would be to get a Casio F-91W (available in any drugstore, Walmart, Target, etc… for $8-10 ) and remove the straps. They're rugged accurate little timepieces that's easily replaced worldwide. Bingo! That's the one. Thank you all for wading in. You've just encouraged me to pick up a new...
by stimulacra
Mon Feb 26, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Need a Pocket Watch
Replies: 26
Views: 1350

Re: Need a Pocket Watch

Cheap option would be to get a Casio F-91W (available in any drugstore, Walmart, Target, etc… for $8-10 ) and remove the straps. They're rugged accurate little timepieces that's easily replaced worldwide. More luxe digital option would be to get an Apple Watch and buy a “pocket watch” case for it th...
by stimulacra
Sat Feb 24, 2018 6:03 pm
Forum: Investing - Theory, News & General
Topic: Atlantic Article: This Is What Life Without Retirement Savings Looks Like
Replies: 26
Views: 4635

Re: Atlantic Article: This Is What Life Without Retirement Savings Looks Like

Most of my friends are in their late 60s. Many didn't earn enough to acquire savings, what with raising kids, health issues, etc. They still live lives a lot of you would envy. People share households with long-term friends, which means that they don't end up isolated as they age. Their families ar...
by stimulacra
Sat Feb 24, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: Atlantic Article: This Is What Life Without Retirement Savings Looks Like
Replies: 26
Views: 4635

Atlantic Article: This Is What Life Without Retirement Savings Looks Like

Eye-opening article on what life without retirement benefits look like. This Is What Life Without Retirement Savings Looks Like http://theatln.tc/2HIkKHv The retirement-savings system in the United States has three pillars: Social Security, employer-sponsored pensions or retirement-savings plans, an...
by stimulacra
Fri Feb 23, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Help! Buying my first sofa/couch
Replies: 27
Views: 1508

Re: Help! Buying my first sofa/couch

IKEA for couches if you're on a budget. I would look at swapping the feet or legs out to make it look less basic. You can google “IKEA hacks” for the myriad ways people use IKEA products as a cheap canvas for some custom furniture hacks. Once you go into the mid-tier products the quality goes way ab...
by stimulacra
Wed Feb 21, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 56
Views: 9922

Re: <gulp> Expensive mistake

OP,

What was your desired portfolio?

What did you end up implementing for 7 months?

An earlier poster suggested that you merely flipped 60/40 to 40/60, which wouldn't have been all that bad for the last 10 months but it sounds like that might not have been the case.
by stimulacra
Tue Feb 20, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 73
Views: 8537

Re: How do I unwind this Wealthfront mess?

I'd leave everything… make sure you set dividends to cash versus reinvest and use the cash to build your 3-fund portfolio over time. Sell your losers every year for TLH. I might sell off Facebook to eliminate risk. Over 5-10 years this should unwind organically I hope. Sell off anything that might r...
by stimulacra
Tue Feb 20, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 3779

Re: Mixing fuel octanes for cars

Thanks everyone for the feedback and insights. Going forward I'll probably stick to fueling up with 93 in most situations (Costco & Valero) mainly due to ease, small delta in cost and not contributing to the long lines at peak times at Costco. If I'm at a station that charges a higher premium (Shell...
by stimulacra
Fri Feb 16, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 3779

Mixing fuel octanes for cars

Had an interesting conversation with a coworker today… we both drive cars with the same turbocharged engine that requires 91 octane fuel. I just fuel up with premium in my area (93 octane) and he told me he'll fuel up with 7 gallons of 93 and top it off the rest with 89 octane, thus requiring an add...
by stimulacra
Tue Feb 13, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11795

Re: Did you learn anything from the market correction?

65/30/5

Felt good about my current AA and didn't even really notice the rocky ride last week or get concerned at all.

Was hoping to get an opportunity to rebalance into equities but oh well.

Was able to sleep soundly.
by stimulacra
Sun Feb 11, 2018 2:07 am
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 6585

Re: Why would people buy condos/SFH in Texas?

Have you been downtown recently? Have you seen all of the apartments and high rises that are being built? They’re being built for a reason. Because people want to live there. There’s tons of big companies downtown that employ thousands of people, people want to live close by. You might be confusing...
by stimulacra
Sat Feb 10, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 6585

Re: Why would people buy condos/SFH in Texas?

Have you seen downtown on a Friday or Saturday night? Main Street is packed with bars and tons of people out and about. Downtown is the new hot spot and more people go out downtown than they do in midtown or any other nightlife district in Houston. Lots of people have misconceptions about living in...
by stimulacra
Fri Feb 09, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: Should you sell your investments when they start dropping? When should you invest during this market correction?
Replies: 52
Views: 4319

Re: Should you sell your investments when they start dropping? When should you invest during this market correction?

My understanding is that the best and worst trading days occur very close together… I might be able to nail one and totally miss the other so it's essentially futile trying to thread that moving needle. I'm staying the course as so many folks here advocate… I probably rebalance into equities if the ...
by stimulacra
Fri Feb 09, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 6585

Re: Why would people buy condos/SFH in Texas?

I live in Houston. Rent is not magically cheaper here. There aren't any $700/month condos or lofts in downtown Houston. Maybe in the late 1990's. Also downtown Houston proper is pretty sparsely populated. Maybe 6 or 8 thousand folks actually live in the high rises around there. The adjacent neighbor...
by stimulacra
Mon Feb 05, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 17645

Re: For BHs who actually like cars - [what car do you drive every day?]

2010 Audi A4 Avant. Just had to replace a water pump and fix an oil leak ($$$) but I still enjoy driving the wagon every day. Need to trim some miles from my weekly schedule just to be more mindful (miles are easy to rack up in Houston and I love running errands during lunch). Will probably need to ...
by stimulacra
Wed Jan 31, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: New or used vehicle for new graduate with job?
Replies: 31
Views: 1455

Re: New or used vehicle for new graduate with job?

every civil engineer I've ever met who has to do work on remote sites has a 4wd pickup truck, not an awd car wagon like a crv or rav4. The crv and rav4 are great for snow, but neither is really meant for off-roading at all, if that would be required for the off site work. What are the odds that the...
by stimulacra
Tue Jan 30, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on this beginner strategy?
Replies: 16
Views: 1177

Re: Thoughts on this beginner strategy?

Either method works. You'll be able to diversify to Admiral funds before you know it :)
by stimulacra
Tue Jan 30, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Opportunity to buy company stock at a discount
Replies: 30
Views: 1723

Re: Opportunity to buy company stock at a discount

Similar situation at my current company. 7% discount on the lesser of either the start or end price of company stock every six months. My strategy is to swap it out with VTI (Vanguard Total Stock Market) in my taxable ASAP. Not as big of a perk as it is made out to be. I think 401k/HSA and IRAs shou...
by stimulacra
Tue Jan 30, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 4084

Re: Certified Used BMW, Audi or Mercedes

I own a used Audi A4 (B8) wagon. It's not under warranty. Repair bills are expensive (parts and labor are probably 50% higher than Japanese equivalent). And I would say that it is imperative to stay on top of maintenance and keep a moderately sizable emergency car fund for repairs. I did my research...
by stimulacra
Tue Jan 30, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Comparing two job offers
Replies: 7
Views: 567

Re: Comparing two job offers

My 2¢: Current job. Your current job has a $72k - 79k more in income per year. Based on your commute estimate you would save 320 hours (40 minutes each way saved multiplied by 240 working days) of sitting in a car with Job offer B. Using the lower end estimate of your current pay scale you would hav...
by stimulacra
Tue Jan 30, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3690

Re: Should I join Linkedin?

LinkedIn helped me secure an unlisted job opportunity roughly a week after I got laid off from my previous role. The onboarding would take an additional 6 weeks but removed a lot of uncertainty in my career transition and allowed me to enjoy “funemployment”. The typical period of unemployment in my ...
by stimulacra
Mon Jan 29, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: 401k & the Stock Market
Replies: 12
Views: 1537

Re: 401k & the Stock Market

1) Wide variety of when people get paid (weekly, bi-weekly, semi-monthly, monthly, etc… ) 2) Wide variety of investment options in employer sponsored plans; probably as much money going into cash and bonds as they do in equities. 3) Contributions as a percentage of payroll activity is probably not t...
by stimulacra
Mon Jan 29, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Keeping a new BMW shiny!
Replies: 27
Views: 2424

Re: Keeping a new BMW shiny!

Keep it waxed, hand wash it every weekend, clay bar once or twice a year. Avoid drive-through washes. This will give you a fingertip feel for every square inch of your car and you'll be acutely aware of any blemishes of the trim and finish. I like Meguirars quick detailing spray to do touch-ups and ...
by stimulacra
Mon Jan 29, 2018 1:21 am
Forum: Investing - Theory, News & General
Topic: The ''Bulletproof'' Wait and See Portfolio - Anti-Inflation and Minimum Risk
Replies: 52
Views: 6203

Re: The ''Bulletproof'' Wait and See Portfolio - Anti-Inflation and Minimum Risk

Seems like you should just either stick to Harry Browne's “Permanent Portfolio”… and/or maybe incorporate some TIPS into the bond portion. VTI = 25% GLD = 25% CASH = 25% TLT = 12.5% TIP = 12.5% Golden butterfly might be an alternate version of PP but split up Short term bonds and long term bonds wit...
by stimulacra
Sun Jan 28, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: which funds to buy with $ 100,000
Replies: 12
Views: 1144

Re: which funds to buy with $ 100,000

Looks like a whole lot of overlap with these fund choices… are these in the same account?

I would strongly consider a 3-4 fund portfolio based on your current setup. Maybe add a small-cap or emerging market if you're inclined to tilt.
by stimulacra
Sat Jan 27, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: IRA Eligibility Question for 2017
Replies: 4
Views: 325

Re: IRA Eligibility Question for 2017

Gotcha, I misunderstood. Currently the rollover is with Vanguard, it's doubtful that the employer sponsored plan will be comparable in terms of expense or fund selection.

Thank you for the clarification.
by stimulacra
Sat Jan 27, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: IRA Eligibility Question for 2017
Replies: 4
Views: 325

Re: IRA Eligibility Question for 2017

If your GF has a rollover IRA, she may want to consider making Traditional IRA contributions to a separate Traditional IRA account. A TIRA contribution into a rollover IRA account will change the rollover (conduit) account into a contributory account. Some company 401k plans only allow inbound roll...
by stimulacra
Sat Jan 27, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: IRA Eligibility Question for 2017
Replies: 4
Views: 325

IRA Eligibility Question for 2017

Asking on behalf of my girlfriend. She's thinking about contributing to her IRA (rollover/traditional) to reduce her tax liability for 2017, looks to be a 25-30¢ reduction for every dollar contributed. She just became eligible to participate at her work sponsored 401(k) this past November after 12 m...