Search found 996 matches

by rr2
Tue Oct 10, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1547
Views: 273598

Re: What are you up YTD? [Year To Date]

16% YTD (up to 9/30/2017) with roughly an AA of 60/40 Stocks/Fixed Income.
by rr2
Tue Oct 10, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13814

Re: [Boglehead vs Mr Money Mustache philosophies]

In my area we have local meetings of both Bogleheads and MMM followers. I've been to several of each over the last couple years. I feel a bit out of place at the MMM meetings because my high savings rate is due more to a high income than frugal living, and I have a gas guzzling car and a boat, but ...
by rr2
Mon Jul 24, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 43
Views: 4145

Re: Pay yourself first.

This is the strategy we use. -- Payroll deductions to 401ks twice a month from each paycheck (7th and 22nd of each month). -- IRA contributions around the 15th of each month. -- Taxable account contribution the first of each month. All of the above are automated. The rest is in the checking account....
by rr2
Mon Apr 17, 2017 12:21 am
Forum: Investing - Help with Personal Investments
Topic: I got a FACTA-related form from my home country?
Replies: 24
Views: 1369

Re: I got a FACTA-related form from my home country?

If it were me, I'd close the account and have my family member pay my bill. It is very easy to transfer money from the US to foreign bank accounts (in India for example) with very low fees (less than $5). Sorry to hijack the thread. How? Most banks seem to charge a lot to do a wire transfer, and se...
by rr2
Sun Apr 16, 2017 11:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 26
Views: 3284

Re: Hawaii Bogleheads, where are you?

I would join but am on Big Island -- Hilo side ;)
by rr2
Sun Apr 16, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: I got a FACTA-related form from my home country?
Replies: 24
Views: 1369

Re: I got a FACTA-related form from my home country?

And does it matter than the foreign account is a joint account with a family member who is not a US citizen/resident/person/whatever? In fact, the money is arguably "not mine". I only use it once a year to pay some bills in the home country, and other than that I have told my family the m...
by rr2
Sat Apr 15, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: I got a FACTA-related form from my home country?
Replies: 24
Views: 1369

Re: I got a FACTA-related form from my home country?

Do you need that account to remain open. If not, just close that bank account and be done with it.
by rr2
Sat Jan 28, 2017 1:16 am
Forum: Investing - Theory, News & General
Topic: Scott Burns is Signing Off -- He'll be missed
Replies: 25
Views: 6774

Re: Scott Burns is Signing Off -- He'll be missed

I owe a particular debt to Miss Ozgood, my 11th grade English teacher. I wanted to be an engineer and an astronaut, but she started the fire. She asked her students to write sentences instead of diagraming them, and I did. School is not so easy and it is not for the most part very fun, but then, if...
by rr2
Sat Jan 28, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: Priority Pass airport lounge access - Chase Sapphire Reserve perk (and possibly other cards)
Replies: 24
Views: 4330

Re: Priority Pass airport lounge access - Chase Sapphire Reserve perk (and possibly other cards)

traveltoomuch -- thank you. And I like your username To add another datapoint, there are two PP lounges in HNL. One is the IASS lounge (contract) in the main terminal which is small, somewhat dingy, and can get crowded. In comparison, the other lounge which is the HA Plumeria lounge in the inter-is...
by rr2
Fri Jan 27, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Priority Pass airport lounge access - Chase Sapphire Reserve perk (and possibly other cards)
Replies: 24
Views: 4330

Re: Priority Pass airport lounge access - Chase Sapphire Reserve perk (and possibly other cards)

PP does not include UA lounge access, however, there maybe contract lounges that serve both. In the OP's case, NGO (Nagoya) is not a UA lounge, but a StarAlliance lounge which is also a PP contract lounge. Cruise -- Thanks for the explanation. Sorry to have caused the confusion. You are correct -- ...
by rr2
Thu Jan 26, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: "Don't Overcomplicate Your Portfolio"
Replies: 27
Views: 4949

Re: "Don't Overcomplicate Your Portfolio"

Simplicity works. I have a friend who, over many years, has finally whittled his portfolio down to: 96% Target Retirement fund 4% credit union checking/savings He rebalances once a year. His motto is that money doesn't like to be micromanaged. The less you mess with your money, the more of it you'l...
by rr2
Thu Jan 26, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks/ETFs in Brokerage that would stand strong against a crash
Replies: 10
Views: 927

Re: Stocks/ETFs in Brokerage that would stand strong against a crash

This is just my opinion BUT

Nobody Knows Nothing

And if anyone claims they do, run away. Run far away.

Good luck!
by rr2
Thu Jan 26, 2017 6:28 pm
Forum: Investing - Theory, News & General
Topic: "Don't Overcomplicate Your Portfolio"
Replies: 27
Views: 4949

Re: "Don't Overcomplicate Your Portfolio"

Simplicity works. I have a friend who, over many years, has finally whittled his portfolio down to: 96% Target Retirement fund 4% credit union checking/savings He rebalances once a year. His motto is that money doesn't like to be micromanaged. The less you mess with your money, the more of it you'l...
by rr2
Thu Jan 26, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Priority Pass airport lounge access - Chase Sapphire Reserve perk (and possibly other cards)
Replies: 24
Views: 4330

Re: Priority Pass airport lounge access - Chase Sapphire Reserve perk (and possibly other cards)

-- Lounge access can be restricted based on times. Have you actually ever tried to access a lounge during a restricted period? I'm not doubting that they will turn someone away but just wondering if anyone has experienced it firsthand. Based on my experience of having entered during an open period ...
by rr2
Thu Jan 26, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Priority Pass airport lounge access - Chase Sapphire Reserve perk (and possibly other cards)
Replies: 24
Views: 4330

Re: Priority Pass airport lounge access - Chase Sapphire Reserve perk (and possibly other cards)

Here's my experience so far. -- Lounge access can be restricted based on times. -- Lounge can be far from your gate or even in a different terminal/concourse. In some cases, this can be very inconvenient. For example at NRT, lounge access is only available beyond immigration. So if you are transitin...
by rr2
Wed Jan 25, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: best way to buy TaxAct
Replies: 39
Views: 5132

Re: best way to buy TaxAct

Using thebigad's link, I was able to get the online Plus version (federal+state) for $20. Thanks.
by rr2
Tue Jan 24, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Getting the best current mortage interest rate
Replies: 10
Views: 1357

Re: Getting the best current mortage interest rate

This was a while ago (2011/2012) when I did my last couple refi's using an online broker (First Internet Bank). Everything did go mostly well but it did require being on top of the process. Everything was via email/internet and required responding to requests on time. They had the best rates for a g...
by rr2
Tue Jan 24, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 12550

Re: Best Places to Live in US?

I ponder this question a lot. If I had my pick, I'd probably find a good school district somehwere in Hawaii. I'd trade down to a smaller house for the ability to play in the ocean with my kids more instead of 1 or 2 weeks a year on vacation. Also, property taxes are very low. Except for some of th...
by rr2
Tue Jan 24, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Camera Recommendation
Replies: 14
Views: 1202

Re: Camera Recommendation

With that budget, I'd be considering the more advanced APS-C mirrorless cameras, such as the Fuji XT2/XT1 or the M43 camera such as Olympus OM-D E-M1 Mark II. The catch is that you will have to get newer lenses and the can get expensive in a hurry. PS: I don't have any of those cameras but frequentl...
by rr2
Tue Jan 24, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Camera Recommendation
Replies: 14
Views: 1202

Re: Camera Recommendation

What is your budget? Will you be carrying the camera with you always? Does size/weight of camera matter? Are you attached to your lenses? PS: I also have a T1i and still like it a lot. It is a great camera. Recently, I installed Magic Lantern and it has given my T1i a new lease of life with tons of ...
by rr2
Sun Jan 15, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: is a 401k loan always terrible?
Replies: 51
Views: 4433

Re: is a 401k loan always terrible?

Years ago, I asked the same question and received some great advice and also learnt a lot about 401k loans and other aspects including interest, alternatives etc. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=57638 I am grateful to forum members who posted in that thread.
by rr2
Thu Jan 12, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Tight Budget Noobie help with Retirement
Replies: 31
Views: 2161

Re: Tight Budget Noobie help with Retirement

You do have a tight budget situation. One thing I noticed --
Mortgage of 220K at 4.5% for 30 years comes to about $1050 while you list $1200 in your budget for the mortgage amount.
by rr2
Thu Jan 12, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to best approach saving for retirement/debt reduction
Replies: 15
Views: 1250

Re: How to best approach saving for retirement/debt reduction

A long time ago, I bought something on a 0% loan for 12 months. The terms were that if the loan was not completely paid back in 12 months, then interest would be retroactively charged at the higher rate from the start of the loan. Not sure if such loans and terms still exist. Something to check. Fo...
by rr2
Thu Jan 12, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to best approach saving for retirement/debt reduction
Replies: 15
Views: 1250

Re: How to best approach saving for retirement/debt reduction

A long time ago, I bought something on a 0% loan for 12 months. The terms were that if the loan was not completely paid back in 12 months, then interest would be retroactively charged at the higher rate from the start of the loan. Not sure if such loans and terms still exist. Something to check.
by rr2
Wed Jan 11, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3279

Re: Trip to Kona, Hawaii - Suggestions

Going unto the summit of Mauna Kea can be a fun experience especially around sunset. A 4 wheel drive vehicle is recommended for the dirt road. Most rental car companies prohibit the taking of vehicles as per the rental contract so you need to check. Also the drive from Kona to Hilo via the Hamakua c...
by rr2
Tue Jan 10, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Goals...What should we do?
Replies: 15
Views: 1890

Re: 2017 Goals...What should we do?

If it were me, my first priority would be to max both Roth IRAs. I would not rush to pay off the 0.9% debt unless you are really debt averse. It would be very beneficial to come up with a long term investment plan.
by rr2
Tue Jan 10, 2017 12:20 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 5986

Re: EJ not [costing me as much as] others?

ai_3_us wrote:Unfortunately my income is not enough right now to fully support my Roth, though I would like to.

If you are making at least $5500/year in earned income, then you can max your Roth IRA. As livesoft mentioned, you can withdraw from your EJ account for living expenses.
by rr2
Mon Jan 09, 2017 11:19 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 20885

Re: How Bad was 2008, really?

Think of driving 60 mph down a steep, windy, wooded road on a dark and rainy night when your headlights and brakes go out. How would you explain that feeling to your kid brother as you drive down the same stretch of road eight years later in broad daylight, and he says to you, "What's the big ...
by rr2
Wed Dec 28, 2016 12:24 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 8684

Re: My Christmas Gift to You.

We are honored by your service, Mr. Larimore. You SIr, belong to the finest. Thank you for the bottom of my heart.
by rr2
Wed Mar 12, 2014 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3848

Re: Retirement Savings Growth exceeds Annual Retirement Expe

At age 41, we hit this. All it took was for us to become a two income family. Prior to that we were living on, paying down debt, and saving a little on one income. The second person went to work and had an income greater than our total expenses till then. We saved all of the second persons income. V...
by rr2
Tue Mar 11, 2014 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: % of annual income saved compared to final portfolio goal
Replies: 33
Views: 3171

Re: % of annual income saved compared to final portfolio goa

This also didn't make me feel very good. Then again, I am 25 and just started saving a year ago. I got .02% with a 40%+ savings rate of my after tax income. Maybe I should focus on making a better income! Or reduce your final portfolio goal Look at the formula and graph linked to in simpleton's pos...
by rr2
Mon Mar 10, 2014 7:34 pm
Forum: Forum Issues and Administration
Topic: Android / iPhone app
Replies: 11
Views: 3029

Re: Android / iPhone app

See this thread requesting tapatalk support for this forum.

viewtopic.php?t=71832

This forum works great on my iPad via Safari. On the iPhone, not so much -- the font is small and you have to scroll a lot.
by rr2
Mon Mar 10, 2014 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need hurricane insurance in hawaii
Replies: 2
Views: 603

Re: Do I need hurricane insurance in hawaii

In Hawaii, for single family housing with a mortgage, the lender requires hurricane insurance. Not sure about condos.
by rr2
Mon Mar 10, 2014 11:51 am
Forum: Investing - Help with Personal Investments
Topic: % of annual income saved compared to final portfolio goal
Replies: 33
Views: 3171

Re: % of annual income saved compared to final portfolio goa

letsgobobby wrote:
grap0013 wrote:So far, 50% of respondents are saving more than 2%. That is very impressive.

Bogleheads are like their own little bell curve on the tail of the bell curve that is America.

Funny. I almost spit out my morning tea. !!
by rr2
Sun Mar 09, 2014 10:27 pm
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 5048

Re: Happy fifth birthday! [since the 2008-2009 market crash]

From XIRR, 12.22% (*)

(*) The closest date for which I have reported balances is 1Q2009 (03/31/2009). However, most of the contributions have come after that date.

Portfolio is roughly 60% Stocks.
by rr2
Sun Mar 09, 2014 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Ahh Missed It! [market timing]
Replies: 20
Views: 3156

Re: Ahh Missed It! [market timing]

So I'm in my early 30's and have a lot of cash sitting on the sidelines. I want to start to get it into the market, basically taking the passive approach and investing in the CORE FOUR. I want to get my money in the market in phases over the next 12 months. My problem, I feel like I missed out on t...
by rr2
Sun Mar 09, 2014 2:59 am
Forum: Investing - Help with Personal Investments
Topic: Invest or pay credit cards
Replies: 11
Views: 709

Re: Invest or pay credit cards

I'm thinking of investing but the wife is insisting on chunking down the credit cards pretty quickly. I'm trying to tell her the cards have zero percent interest and those offers are valid for a good 10-12 more months now question is pay the minimum and invest monthly and pay the credit card balanc...
by rr2
Sun Mar 09, 2014 2:30 am
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 2263

Re: your lowest exspense ratio fund in 401

CREF Stock -- at 0.49% just a shade under 0.5%.
by rr2
Sat Mar 08, 2014 1:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning, Dubai based Non-US citizen, Trading ETFs
Replies: 27
Views: 4676

Re: Portfolio planning, Dubai based Non-US citizen, Trading

My bad. I misunderstood. I assumed incorrectly that you were investing directly with a US Financial institution. In that case, I do not think there will be any issues with taxation etc since the account will be held in the UAE and all transactions conducted there. But, check with a local tax account...
by rr2
Sat Mar 08, 2014 12:56 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning, Dubai based Non-US citizen, Trading ETFs
Replies: 27
Views: 4676

Re: Portfolio planning, Dubai based Non-US citizen, Trading

Just curious -- is it not possible to invest in Dubai itself. I assume there are plenty of financial institutions in the UAE. It is possible that funds there may be more expensive but I would say that not having to deal with the paperwork in the US regarding taxes. The UAE has 1 ETF and it is incre...
by rr2
Sat Mar 08, 2014 12:48 am
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 7157

Re: How Many Funds Do You Have in Taxable?

Just one -- VTWSX. Vanguard Total World Stock Index fund.
by rr2
Sat Mar 08, 2014 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning, Dubai based Non-US citizen, Trading ETFs
Replies: 27
Views: 4676

Re: Portfolio planning, Dubai based Non-US citizen, Trading

Just curious -- is it not possible to invest in Dubai itself. I assume there are plenty of financial institutions in the UAE. It is possible that funds there may be more expensive but I would say that not having to deal with the paperwork in the US regarding taxes.
by rr2
Fri Mar 07, 2014 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: tax-deferred savings vs liquidity
Replies: 4
Views: 473

Re: tax-deferred savings vs liquidity

In the long run, it probably doesn't really matter whichever option you choose. I too have a 30 year fixed rate mortgage, even though we can make payments at the 15 year rate. The 3.5% fixed rate for a 30 year mortgage seemed too good to pass up. We are much older than you (mid 40s) and just bought ...
by rr2
Fri Mar 07, 2014 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: tax-deferred savings vs liquidity
Replies: 4
Views: 473

Re: tax-deferred savings vs liquidity

Congratulations on the loan payoff!

You are in your late twenties -- get a 15 year mortgage. Pay on schedule and your mortgage will be paid off by the time you are in your mid 40s. Plus you will have a nice sum of money in your retirement accounts.
by rr2
Fri Mar 07, 2014 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Paying extra directly onto mortgage
Replies: 17
Views: 1940

Re: Paying extra directly onto mortgage

The mortgage holder is my father in law and we pay 7.5% interest. Are you deducting this as mortgage interest on you taxes? Is your father in law paying taxes on this interest? If you or your father in law ever get audited I would think that paying an above market interest rate and deducting the in...
by rr2
Fri Mar 07, 2014 12:42 am
Forum: Investing - Theory, News & General
Topic: “Buying on the peaks” can work too!
Replies: 10
Views: 2324

Re: “Buying on the peaks” can work too!

Nice story. What if this post was written in March 2009?

How much did Bob have in March 2009?
-- under $400k.

Lucky Bob.
by rr2
Wed Mar 05, 2014 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help with HUD-1 vs. Form 1098
Replies: 9
Views: 1727

Re: Need Help with HUD-1 vs. Form 1098

Doesn't the Closing (Escrow) Agent handle taxes paid etc.? As sscritic says, you need to follow the trail. Did you close locally? Can you talk to the agent?

One option: My county tax has a website. I can check when payments were made and for how much.

Edit: check IRS Pub 530 and the examples.

http://www.irs.gov/publications/p530/ar02.html
by rr2
Wed Mar 05, 2014 3:42 am
Forum: Investing - Theory, News & General
Topic: Beat the S&P 500 with the S&P 500? Not likely.
Replies: 15
Views: 2076

Re: Beat the S&P 500 with the S&P 500? Not likely

If one wishes to beat the performance of the S&P500 for the year, all one has to do is buy the S&P500 when it is lower than it started the year. There already have been some good opportunities this year to do so (think Feb 3rd for instance). Then one can sit back and relax for the rest of t...
by rr2
Wed Mar 05, 2014 2:47 am
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 21041

Re: What was your dumbest financial decision?

The dumbest financial decision was when we dealt incorrectly with an unforeseen debt. This put us in a financial hole for many years. This was almost completely due to not seeking good advice. We were reasonably new to this country and we're very young and were total novices when it came to negotiat...