Search found 137 matches

by seanmerron
Fri Jul 07, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 13036

Re: Last 80 minutes of my career

[(Removed) --admin LadyGeek] You rock! Enjoy it, every single minute. No more loaning your time away!
by seanmerron
Wed Apr 05, 2017 8:08 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 37795

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Bah!! I was informed the announcement would be on April 5th! So disappointed... Put me on the waiting list please.
by seanmerron
Wed Apr 05, 2017 8:06 am
Forum: US Chapters
Topic: Boglehead Conference 2017?
Replies: 34
Views: 7819

Re: Boglehead Conference 2017?

UPDATE: My 2017 Bogleheads Conference announcement is now scheduled to be posted here on the forum on April 5th. For anyone else who might have made the same mistake as I, Mel did NOT mean he would post it on this thread when he said "posted here". It was posted on another thread and is a...
by seanmerron
Mon Apr 03, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: World Cruises
Replies: 7
Views: 1418

Re: World Cruises

This sounds crazy but I've met elderly people who are full time cruisers because it's cheaper than a retirement home. They just go where the boat goes... I was shocked!
by seanmerron
Sat Mar 04, 2017 4:28 pm
Forum: US Chapters
Topic: Master Thread for Austin Texas area Bogleheads
Replies: 83
Views: 39988

Re: Master Thread for Austin Texas area Bogleheads

Great meeting everyone today! I had a good time sharing knowledge and looking forward to the next event.

Thanks for putting this together!
by seanmerron
Mon Feb 27, 2017 10:34 am
Forum: Personal Investments
Topic: One final look...
Replies: 14
Views: 2336

Re: One final look...

Nice job! One thing you may want to add is your asset allocation percentages for each holding so you can remain in balance among your whole portfolio.
by seanmerron
Thu Feb 23, 2017 8:57 am
Forum: Personal Investments
Topic: $50,000 to invest...How would you invest it in this market the Jack Bogle way!!!
Replies: 8
Views: 2165

Re: $50,000 to invest...How would you invest it in this market the Jack Bogle way!!!

Hi, I am 36 years old and I have about $50,000 to invest. My tax bracket is :39.6%. I always max out the 401k and Backdoor Roth IRA. I am a father of two kids under two and I have just started their 529 funds with $5000 each. I keep a simple three/four fund portfolio. These include VTSAX (total sto...
by seanmerron
Thu Feb 23, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Credit card: Cash versus Flight Miles
Replies: 62
Views: 11552

Re: Credit card: Cash versus Flight Miles

I recently got the travel bug and I've read some threads on how to use/churn cads but I don't think that I've ever seen anyone ask the question about whether, dollar for dollar, is someone better off using a cash back card (like AMEX Blue Preferred) and then using the cash to fly or whether using a...
by seanmerron
Wed Feb 22, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup & Suggestions - Updated
Replies: 9
Views: 1363

Re: Financial Checkup & Suggestions

I am really thinking about moving some funds over to taxable. I feel there is more than enough to cover any major unexpected expenses. This episode may help you figure out the right number for you. It ultimately comes down to understanding your expenses and length of time you'd need funds before fi...
by seanmerron
Wed Feb 22, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Question for you HSA gurus (received
Replies: 1
Views: 448

Re: Question for you HSA gurus (received

I don't think the HSA company would ever know unless you told them.
by seanmerron
Wed Feb 22, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer card
Replies: 9
Views: 954

Re: BALANCE TRANSFER CARD

Does this seem like something i should do? I owe $8,600. What is your idea or opinions? Could you pay it off in 21 months paying 3% in the end instead of the 14% APR? Can you stick to paying it off without adding any additional debt to your portfolio? 0% financing can cause us to find ways to spend...
by seanmerron
Wed Feb 22, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup & Suggestions - Updated
Replies: 9
Views: 1363

Re: Financial Checkup & Suggestions

Lots of views... Need some suggestions Congrats on putting it all out there and looking from some advice! Some people don't have someone to talk finances with and these forums ar great for that. You're maxing the important accounts to setup for early retirement with the 401K, IRA, HSA so great job!...
by seanmerron
Thu Jan 05, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Wife Part-Time so No 401K. What Are Her Options?
Replies: 15
Views: 2284

Re: Wife Part-Time so No 401K. What Are Her Options?

I work as a FTE with a 401K but my wife works part-time and the company 401K is only offered to full time employees. Can she open up an individual 401K or have access to other options with tax advantages aside from the $5,500 limit in an IRA? Does your employer offer After Tax 401k? If so, you can ...
by seanmerron
Wed Jan 04, 2017 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Part-Time so No 401K. What Are Her Options?
Replies: 15
Views: 2284

Re: Wife Part-Time so No 401K. What Are Her Options?

A plan can exclude an employee based on hours worked but they cannot exclude the group "part-time" employees. The IRS has been clear on this. Are you simply saying she hasn't met the hours requirement to be a participant? They say they required 30 hour minimum for 401K. She will be at 23 ...
by seanmerron
Wed Jan 04, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Part-Time so No 401K. What Are Her Options?
Replies: 15
Views: 2284

Re: Wife Part-Time so No 401K. What Are Her Options?

If she is a part-time W-2 employee, she's stuck with IRA. She's not self employed so cannot use things like Solo 401k, SEP-IRA or SIMPLE-IRA. If she's a 1099 contractor, she should consider using Solo 401k. Interesting so worth opening sole prop and having her company pay that? Would it matter to t...
by seanmerron
Wed Jan 04, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Part-Time so No 401K. What Are Her Options?
Replies: 15
Views: 2284

Re: Wife Part-Time so No 401K. What Are Her Options?

If she is a part-time W-2 employee, she's stuck with IRA. She's not self employed so cannot use things like Solo 401k, SEP-IRA or SIMPLE-IRA. If she's a 1099 contractor, she should consider using Solo 401k. Interesting so worth opening sole prop and having her company pay that? Would it matter to t...
by seanmerron
Wed Jan 04, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Part-Time so No 401K. What Are Her Options?
Replies: 15
Views: 2284

Re: Wife Part-Time so No 401K. What Are Her Options?

A plan can exclude an employee based on hours worked but they cannot exclude the group "part-time" employees. The IRS has been clear on this. Are you simply saying she hasn't met the hours requirement to be a participant? They say they required 30 hour minimum for 401K. She will be at 23 ...
by seanmerron
Wed Jan 04, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Part-Time so No 401K. What Are Her Options?
Replies: 15
Views: 2284

Wife Part-Time so No 401K. What Are Her Options?

I work as a FTE with a 401K but my wife works part-time and the company 401K is only offered to full time employees. Can she open up an individual 401K or have access to other options with tax advantages aside from the $5,500 limit in an IRA?
by seanmerron
Sat Dec 31, 2016 2:28 pm
Forum: Personal Investments
Topic: Help Calculating My Return for 2016
Replies: 8
Views: 923

Re: Help Calculating My Return for 2016

Great, thanks!
by seanmerron
Sat Dec 31, 2016 1:31 pm
Forum: Personal Investments
Topic: Help Calculating My Return for 2016
Replies: 8
Views: 923

Re: Help Calculating My Return for 2016

The 1-Year return option under "Personal performance", at least for me, shows a period from 01 December 2015 to 30 Dec 2016, so a more accurate answer for your 2016 returns will be next week when the period begins 01 January 2016. I see that the "YTD" option does not give a rate...
by seanmerron
Sat Dec 31, 2016 1:30 pm
Forum: Personal Investments
Topic: Help Calculating My Return for 2016
Replies: 8
Views: 923

Re: Help Calculating My Return for 2016

It's been a great 2016 and I'd like to see what % return on my invested money I made that will compound into next year. When I look at my Performance Summary page in my Vanguard account it shows a number for "Investment Returns" but I notice this number is then split between Market Gain/L...
by seanmerron
Sat Dec 31, 2016 8:37 am
Forum: Personal Investments
Topic: Help Calculating My Return for 2016
Replies: 8
Views: 923

Help Calculating My Return for 2016

It's been a great 2016 and I'd like to see what % return on my invested money I made that will compound into next year. When I look at my Performance Summary page in my Vanguard account it shows a number for "Investment Returns" but I notice this number is then split between Market Gain/Lo...
by seanmerron
Tue Dec 27, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 17842

Re: I'll never save a 20% down payment. Rent for life?

There's nothing wrong with renting as long as you're still living within your means in a very affordable rent in a decent COL area. As long as you're living within your means you're probably throwing away close the same amount of money you would if you owned a house with taxes, interest, maintenance...
by seanmerron
Mon Dec 26, 2016 7:51 am
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 13845

Re: How to get rid of your belly........

My parents did weight watchers and lost a lot of weight. However as they've laxed it's started to come back. It's important to keep up with a workout routine and clear your house of the belly foods, in particular starches and breads that are hard to break down and affect your insulin levels. If it's...
by seanmerron
Sun Dec 25, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: What are your Christmas Traditions?
Replies: 9
Views: 1752

What are your Christmas Traditions?

Merry Christmas!

New Family here looking to start our own Christmas Traditions and curious what others do to get some ideas?

We thought about having our two kids pick out a gift to bring to an orphanage as one thought... Watch the Christmas Story ....
by seanmerron
Fri Dec 23, 2016 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Potential 1st Home Owner
Replies: 23
Views: 2844

Re: Potential 1st Home Owner

Other items for consideration? If you're goal is early retirement and you're saving a lot of your money then I would stick with the renting. The flexibility and low expenses are more valuable then the pride of owning a home to me. I talked about this in a recent episode of 2 Frugal Dudes if you'd l...
by seanmerron
Tue Dec 20, 2016 2:23 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 88
Views: 24009

Re: Honda Pilot vs Toyota Highlander?

Have you considered a Chevy Traverse? My wife and I wanted a Toyota Highlander until we realized how much more expensive they were for the same or smaller size vehicle than the Traverse. Everyone thinks Toyota is quality but the parts are actually not far off these days and a domestic Chevy is cheap...
by seanmerron
Wed Dec 07, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Car: new or CPO
Replies: 15
Views: 2030

Re: Car: new or CPO

Buy my cars 3-5 years old usually coming off a lease where the car had to maintain a certain condition before giving it back. Bought a new BMW in the past and last new car I'll ever buy because of the amunt of money lost. Just bought a 5 year old Chevy Traverse for 12K cash. Paying with cash has bee...
by seanmerron
Wed Nov 16, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: Alternatives to Stand-up Desks
Replies: 22
Views: 5187

Re: Alternatives to Stand-up Desks

Sean, I've been looking at that shelving unit and I'm wondering if the two-part plastic sleeves fully lock together around the posts. It looks that way in your picture, but the Amazon reviews are a bit confusing. Apparently a lot of people had things upside down during the assembly and only later f...
by seanmerron
Sun Nov 13, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: Alternatives to Stand-up Desks
Replies: 22
Views: 5187

Re: Alternatives to Stand-up Desks

Getting a desk with all the above factors is probably a pipe dream, but I'd be interested in hearing people's ideas. I can't tell you how excited I am that you asked this considering I finally got mine together! It pretty much fits everything you said and can be easily configured to give you the pe...
by seanmerron
Sun Oct 30, 2016 9:27 am
Forum: US Chapters
Topic: Master Thread for Austin Texas area Bogleheads
Replies: 83
Views: 39988

Re: Master Thread for Austin Texas area Bogleheads

Thanks! Saturdays are hard for me with kids but going to try and make it out!
by seanmerron
Sat Oct 29, 2016 9:17 pm
Forum: US Chapters
Topic: Master Thread for Austin Texas area Bogleheads
Replies: 83
Views: 39988

Re: Master Thread for Austin Texas area Bogleheads

Hello! When is the next meetup? I don't have facebook and the group page requires me to login to view anything. You may consider posting each meeting here or using meetup.com.
by seanmerron
Fri Oct 28, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Sued for General [Investment] Advice?
Replies: 43
Views: 9252

Re: Sued for General Advice?

I think the general rule is you can recommend but cannot actually make investments for others without a license. CFA/CFP's can confirm.
by seanmerron
Fri Oct 28, 2016 8:50 am
Forum: US Chapters
Topic: Austin, TX Chapter Alive?
Replies: 2
Views: 2502

Austin, TX Chapter Alive?

I just moved to Austin and emailed the chapter head but nothing yet... Would love to come out!
by seanmerron
Wed Sep 07, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: Safer Loan for Seller? VA or Conventional?
Replies: 2
Views: 528

Re: Safer Loan for Seller? VA or Conventional?

Just wanted to report back that the VA loan went fine for the inspection and appraisal with < 5 years less on roof and the offer being slightly higher than recent comps. Hopefully a smooth closing :)
by seanmerron
Thu Aug 25, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Tranny Cooler Enough to Start Towing or Need Gear Ratios?
Replies: 15
Views: 1998

Re: Tranny Cooler Enough to Start Towing or Need Gear Ratios?

Seeing your SUV is at least 5 years old , this would be a good time to replace the trans fluid, and yes go with synthetic. I don't believe you need the aftermarket cooler. One thing you don't want to do is tow up any grade in high gear. Example , if you have a 4 speed auto , select 3rd. You do not ...
by seanmerron
Thu Aug 25, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Tranny Cooler Enough to Start Towing or Need Gear Ratios?
Replies: 15
Views: 1998

Re: Tranny Cooler Enough to Start Towing or Need Gear Ratios?

In general $230 will not get you a factory transmission cooler, and d-i-y (including "pro") installations vary widely in quality. This is one thing I'd either do myself or only hire out to an actual expert that I absolutely knew was an expert. It's easy to make things worse rather than be...
by seanmerron
Thu Aug 25, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Tranny Cooler Enough to Start Towing or Need Gear Ratios?
Replies: 15
Views: 1998

Re: Tranny Cooler Enough to Start Towing or Need Gear Ratios?

What kind of terrain and temperature are you planning on? If you're going across the flat lands in October, you would likely be fine. You can do what a "tow" switch does by using the shifter to keep it in a lower gear, then shift later. The transmission cooler is certainly a good idea. Fo...
by seanmerron
Thu Aug 25, 2016 7:05 am
Forum: Personal Consumer Issues
Topic: Tranny Cooler Enough to Start Towing or Need Gear Ratios?
Replies: 15
Views: 1998

Tranny Cooler Enough to Start Towing or Need Gear Ratios?

I have a 2011 Chevy Traverse that did not come with the towing package and is rated up to 2,000 lbs towing capacity without it (5,000 lbs with it). I put the hitch and wiring on myself to be able to tow and if I had the tow package it'd also include a transmission cooler and a switch to go into &quo...
by seanmerron
Tue Aug 23, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Get rich quick?
Replies: 52
Views: 11063

Re:

If you don't mind doing a little work, there's this: 1. write a book about "Getting Rich Quick!" 2. do seminars on "Getting Rich Quick!" at motels across the country and sell your study-at-home "Getting Rich Quick!" educational software 3. follow up 1 and 2 with a seri...
by seanmerron
Tue Aug 23, 2016 1:30 pm
Forum: Investing - Theory, News & General
Topic: The power of investing early VS. Dollar cost averaging
Replies: 29
Views: 4100

Re: The power of investing early VS. Dollar cost averaging

Many employers match based on contributions, e.g. a dollar-for-dollar match up to 5%. If the employee contributes 5% each paycheck then he would receive the match. If the same employee was able to and did contribute the full $18k on the first paycheck, the company matches 5% but since no more contr...
by seanmerron
Tue Aug 23, 2016 1:27 pm
Forum: Investing - Theory, News & General
Topic: The power of investing early VS. Dollar cost averaging
Replies: 29
Views: 4100

Re: The power of investing early VS. Dollar cost averaging

(And with many employers, you don't want to max out the 401(k) early, because you'll lose the employer match once you hit the limit.) My employer, before I retired, had several options on how to contribute automatically to the 401(k). One option was to space out contributions to maximize company ma...
by seanmerron
Tue Aug 23, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: The power of investing early VS. Dollar cost averaging
Replies: 29
Views: 4100

Re: The power of investing early VS. Dollar cost averaging

grabiner wrote:(And with many employers, you don't want to max out the 401(k) early, because you'll lose the employer match once you hit the limit.)
Can you expand on this? My company matches 6% per quarter but I didn't think it mattered when I hit the 18K max...
by seanmerron
Tue Aug 23, 2016 8:31 am
Forum: Investing - Theory, News & General
Topic: The power of investing early VS. Dollar cost averaging
Replies: 29
Views: 4100

Re: The power of investing early VS. Dollar cost averaging

I personally don't think the 18K limit is a huge lump sum to stress about investing earlier vs. DCA in the grand scheme of things so I max out earlier in case job changes could impact me later int he year.
by seanmerron
Mon Aug 22, 2016 6:53 am
Forum: Investing - Theory, News & General
Topic: This is why a 100% stock allocation is a bad idea
Replies: 71
Views: 15501

Re: This is why a 100% stock allocation is a bad idea

I've decided this ultimately comes down to risk appetite. If I have a surplus of money above my retirement needs then I'll be shifting more towards a 100% equities portfolio. Until then I need the protection from vehicles with low correlation to equities to weather storms.
by seanmerron
Fri Aug 12, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: Busch gardens & Water Country, Williamsburg - Suggetions
Replies: 19
Views: 1704

Re: Busch gardens & Water Country, Williamsburg - Suggetions

Well the Great Wolf lodge is not far away and also is a water park. I live in Virginia Beach and have the WC/BG fun pass and it's about 1 hour away if you'd prefer to stay at the beach and commute but you have to time tunnel traffic right. I've never actually stayed in Williamsburg (not much of a hi...
by seanmerron
Fri Aug 05, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Do I Need to Tell My Apartment About My Cat?
Replies: 17
Views: 3596

Re: Do I Need to Tell My Apartment About My Cat?

Sorry to not specify. They allow pets but charge a lot for them.
by seanmerron
Fri Aug 05, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Do I Need to Tell My Apartment About My Cat?
Replies: 17
Views: 3596

Do I Need to Tell My Apartment About My Cat?

What would happen if they found out? They allow pets with high deposits/monthly fees but I feel like people hide their cats.... Yeah it's cheap I know (dont need the scolding) but these people nickel and dime you.
by seanmerron
Tue Aug 02, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Safer Loan for Seller? VA or Conventional?
Replies: 2
Views: 528

Safer Loan for Seller? VA or Conventional?

I have 2 similar offers to sell my house with the VA loan offer being slightly above the Conventional loan. Would either loan type imply less risk?
by seanmerron
Fri Jul 29, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Calculators, which one ?
Replies: 19
Views: 6290

Re: Retirement Calculators, which one ?

For an ultra-simplistic early retirement calculator I use http://fireagecalc.com/

There are spreadsheet 100% better but this is all I need to estimate.