Bogleheads.org

runner23

I also have a HE HSA related to an employer I no longer work for and is not currently receiving contributions. I would like to transfer to fidelity as I was just charged my first account fee (previously picked up by employer). I have a cash and invested portion. Will fidelity accept HE assets in kin...

runner23

Rookie inquiry here, but I couldn't help but notice today: Vanguard Total Stock (VTI): -1.02% Vanguard 500 Index (VOO): -0.69% Vanguard Large Cap Index (VV): -0.77% Vanguard Mid Cap Index (VO): -1.25% Vanguard Small Cap Index (VB): -1.70% Vanguard Extended Market Index (VXF): -2.04% Large, mid, and...

runner23

It seems that most years I buy more ammo and reloading components than I use. Not really intended for retirement, but maybe something like that would count. I was thinking along those lines too. Just bought another 1000 rounds of 9mm at a good price. Maybe just a prepping and future inflation hedge...

runner23

My wife and I hit $1m net worth this week. This has been a goal of ours for quite some time. We both will be 31 before year end and feel like we have created a lot of options for the future by achieving this milestone young.

$800k (500/300 retirement/taxable)
$200k home equity

runner23

This is probably my biggest accomplishment over the last two years. Let's see if I can recall the specifics. 11/18 - Bought 1st house at 28 y/o $508k mortgage with 20% down so no PMI. 4.625% with escrow - $3,506. (this was actually a good rate at the time). 05/19 - No cost refi to 4.125% and no escr...

runner23

Still no update on this, unfortunately. The refi and closing process was unbelievably smooth and painless, but as others have experienced, getting setup online to actually start making payments on this thing seems to be a huge problem for LenderFi. I guess if they want to get paid, they will get th...

runner23

Yeah, my first payment is due ON 11/1 as you suspected. Interesting point about the different systems, I'll have to investigate. The good news is that I just received an email from one of the loan processors (who I copied on my last message) who copied another individual to help, which is the first...

runner23

Yeah, my first payment is due ON 11/1 as you suspected. Interesting point about the different systems, I'll have to investigate. The good news is that I just received an email from one of the loan processors (who I copied on my last message) who copied another individual to help, which is the first...

runner23

Refi’d in March down to 3.125 30 year and waited 6 months per terms of refinance until I could again. Locked a no cost refi at 2.625 for 30 year today.

runner23

For those who have refinanced with LenderFi and had their loan sold to Wells Fargo, how long did it take to get setup to make payments? I closed on 2/25 and haven't received any payment instructions yet. I closed over a week ago and won’t have a payment until May. I got an email about one week afte...

runner23

Also 30 and have a 90 / 10 equity bond with $500k in this allocation and (right or wrong) this is the reason I have it so that I can rebalance. I don’t do rebalance bands but have traded $20k bonds for equity the past two weeks.

runner23

So I applied yesterday (Monday) around 2pm CST and got approval. I did choose the rate but did not get any option to lock the rate. I uploaded the initial financial items they asked for and sent a couple of messages through the online message center. I have yet to get a message, email, text otherwi...

runner23

Looking into buying a home now. DW and I are 27 years old. As background, HHI is about 290k and expected to go up to around 300-400 within the next couple years (obviously things happen so who knows). We currently live in a 2bd/1.5ba in a HCOL city and would like to stay in the city, but want a 3 o...

runner23

I have not read through all the posts but this article was fantastic. The paper folding analogy is great. “Imagine you take a sheet of standard printer paper with a thickness of 0.1 mm. Fold it over once and it gets twice as thick. Fold it again and you’ve doubled the thickness of the paper again; t...

runner23

This is a great sounding board to post financial milestones. I always enjoy reading through them. I received a 30k raise recently that brings our HHI between DW and I to $350k. This will certainly help in reaching more financial milestones for years to come as we are both 29 years old and settled in...

runner23

Big fan of the ØriginalGrand Wingtip Oxford from cole haan. I walk a few miles during the course of a business day and these are great. We are jeans casual and typically wear them with seven for all mankind jeans so unsure if that is an option for you but these are light and breathable. Edit - assum...

runner23

Seems immaterial to bother. Just pay cash.

runner23

I am in the same process and would like a smaller loan balance, so I just told the new lender make the loan for $5k less than my outstanding principle with current lender. I will bring that difference to the closing with additional cash to close. Do not think it makes a huge difference in the grand ...

runner23

runner23 - I wanted to thank you for sharing (and updating) your situation & decision making with all of us over the last year+. Really a great boglehead example IMO. You guys live very boglehead - great income, great retirement savings, and sound decision making IMO. You decided to wait a year...

runner23

All the comments on this thread are very helpful as am going through a similar situation. First time home buying is scary when you skip the starter home! We can do it OP!

runner23

We are putting 20% down and paying for closing costs. After that, we will have $40k liquid reserves as an emergency fund. Additional $300k in retirement accounts not counting the $40k. Like, all of your savings that's not in retirement accounts is down payment + 40k? That doesn't leave much for fur...

runner23

We are putting 20% down and paying for closing costs. After that, we will have $40k liquid reserves as an emergency fund. Additional $300k in retirement accounts not counting the $40k. Like, all of your savings that's not in retirement accounts is down payment + 40k? That doesn't leave much for fur...

runner23

We are pressing forward. Thanks to all for the reassurance and guidance. Really appreciated. It will be a lifestyle change and just take some time to get used to the new budget. Everything that was suggested has really helped.

runner23

OP here and I want to provide a quick update to my original post. We have put an offer down on a house and I am having cold feet as the buyer, which may be normal for a first time home buyer, but it is still causing me angst. A few of the details are below. We put an offer down on a $635k house that...

runner23

OP Here - What a difference a year makes. Since originally posting in this thread, we have made great financial progress. We are back in the housing hunt and have the following financials to support. We are looking at the same sort of houses, $500 - $600k range. Both approaching 29 years of age, our...

runner23

I would suggest that they look at the Vinings area around I285 and I75 in NW Atlanta. Schools in Cobb County are good and ease of getting to the airport is good except at rush hour by taking I285 to Camp Creek Pkwy. Best airport access is via MARTA at Lindbergh Station. Dunwoody is another area to ...

runner23

Are you considering a ‘new to you’ car or a brand new car? Older 4runners hold their value very well and will take a limited depreciation hit throughout ownership. This applies to Toyota’s in general though.

runner23

As I mentioned in my previous post I still don't understand why people are talking about this in the past tense. I assume most people here are still down six figures, and I believe many Bogleheads are probably down seven figures, so at least for those who aren't accumulating I'm not understanding. ...

runner23

Prudential retirement worked for me to rebalance 401k order at 3:15. I logged out and wanted to review order at 3:30 to confirm. Couldn’t get logged in between 3:30 and market close. Checked tonight and got transaction confirmation.

runner23

They will provide you the amount of gain / loss on the recharicterized contributions.

runner23

helpmebby wrote: ↑Wed Nov 22, 2017 3:25 pm -Assets: I own my parents house outright, which is worth~200k.

So you own a home. Do you live in that home or charge your parents rent?

runner23

A study of Denmark by Gustaf Bruze, a researcher at the Karolinska Institute in Stockholm, showed that about half of the expected financial gain of attending college derived not from better job prospects but from the chance to meet and marry a higher-earning spouse.

runner23

OP here. Just wanted to provide an update that we decided to renew our apartment lease for another year. This will allow us to save away for another year and reassess next year. In an effort to not have too much cash on hand, we decided to start a taxable account with an initial investment of $5k. W...

runner23

OP here, Thank you again for all of the replies. My wife and read them all together. This was helpful from my perspective, but more so for her as I am more of the boglehead and keep up with our finances. It is reassuring that we are in the drivers seat and not forced to do anything quickly. Buying a...

runner23

All great pieces of information to chew on. Will respond back when off work later tonight. Thanks everyone.

runner23

Hello, My wife and I are in the early stages of potentially buying our first home. We are both 27 (28 later in the year). The early stages include getting pre-approved for a loan, meeting with a realtor and looking at a few houses. I listed a few stats on us below and wanted to run by the boglehead ...

runner23

I am in a similar boat and have $75k sitting in 3 separate $25k 11 month no EWP CDs at Ally yielding 1.5%. I have looked at ST bonds too but the incremental return, if any, isn't worth the risk to me. In the grand sceem of things, a small increase will not allow me to purchase the house faster and I...

runner23

I have the same exact question! May I ask what allocation you plan to have within the equities portion of your portfolio? Are you using VOO, VOE, VBR or VB? Or something else? And how do you plan to calculate how much small-cap to buy? Thank you. At age 27, my wife and I maintain a 90/10 equity/bon...

runner23

If some small companies grow too large and leave the index, then other small companies must replace them in the index. This gives additional opportunities for growth. The reverse is also true in that beaten down mid-caps could trickle in and then regain their footing. Thus, increasing while in the ...

runner23

Not to hijack the thread, but I have a related question. I believe that I will be on the bubble in 2017 for Roth income limits. Is there any harm in doing the backdoor Roth in January of 2017 for 2017 tax year and I ultimately happen to not be above the income limits for regular Roth contribution? I...

runner23

I may be off a few details off but close enough. The first trade I made was for 100 shares of ford at 1.37 in about 2008. I sold at 2.35 I think. I was 18. I also wanted to buy Gm. I accidentally typed I dm. That was Dolan media. I looked at the chart and as a value oriented 15 year old bought 100 s...

runner23

I have had this dilemma for quite some time as well. Me and my wife are 26. Grossing $200k a year. Currently renting @ 1400 a month in Atlanta. We are maxing out 401k and IRAs each. We could have forgone that over the last 2 years and basically bought a house with 20% down this year. We decided long...

runner23

A larger international small cap equity allocation via Vanguards VSS ETF or mutual fund version may provide international diversification that "zigs when others zag"

runner23

Tin scale - The only two passive equity funds available are Wells Fargo Index Admin WFIOX (large) and Northern Small Cap Index NSIDX (small). The ratios I listed are correct. Luckily in my 401k I get access to the vanguard institutional S&P fund.

runner23

Aptenodytes - That is consistent with what i was thinking for equity exposure. You interpreted my question correctly. I think I will go with the small cap fund and rebalance outside, if necessary. Thanks for the input.

runner23

I am having a hard time deciding how to invest the funds in my HSA. I am 26 and just became eligible for the plan through work. I have a pre-established asset allocation that I use for my retirement funds. I would like to use the account for retirement purposes as well. Would it be reasonable to pla...

runner23

Thanks for the quick responses. Cleared that up. I appreciate the help.

runner23

I have a question that I was hoping to get some assistance with, as I am just starting to take advantage of an HSA. A little background first. I just turned 26 in 12/2015. Therefore, I just went on my employers health coverage after getting off my parents effective 12/24/2015. I am on the HDHP and t...

runner23

Hi all, I have read a lot on these boards over the past few months. While I mostly was a passive indexer before finding this site, I still dabbled in individual stocks. Those days are now behind me. I am confident that I am invested in the best options in his and her 401k accounts. Therefore, I have...

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