Bogleheads.org

rr2

Very good questions by @denovo. It was not obvious to me if the OP intended to sell their current house and move into this one. I just want to make an addition to Q2. I've got a bunch of questions. May help if you update your post? 1. Why are your in-laws selling? 2. Are you going to rent the proper...

rr2

... I do expect that changes may be made at least to the liquid forms of TRAD much like the IRAs. For now my liquid TRAD inside my 403b still give at least 3%. TIAA closed the IRA 3% guaranteed Traditional in August 2013. IRA Traditional contributions since then only have 1% guarantee. Did you have...

rr2

Close to 30%. TIAA Trad comprises our entire fixed income/bond allocation. Still working. rr2: You are the only respondent with a higher % than me. Do you have any concerns about credit risk given that you so much at TIAA? I have not thought about this at all. When I get closer to retirement, I wil...

rr2

Mike Scott wrote: ↑Wed Feb 17, 2021 5:49 pm For statistics and usage of median, average and percentile income in the US, check out this page...
https://dqydj.com/average-median-top-ho ... 0in%202019.

Thanks for the link. Very informative.

rr2

Close to 30%. TIAA Trad comprises our entire fixed income/bond allocation. Still working.

rr2

Plus add the fact that appreciation is not a guaranteed. Another anecdotal point: we were house envy after living in condos for 5 years so we purchased our 1st house in 2007 for $460k with 5% down in a red-hot market; our house to income ratio was 34% and I was thinking we were doing great! Fast fo...

rr2

Wait it out.

Is the 50-70K downpayment 10% or 20%? What is the house price you are aiming for?

You are making $220K and have around $80K all put together in NW. I assume that this income is very recent. Make a savings plan. Start a savings plan with IRA/401K/Taxable/and a down payment fund.

rr2

Fed + State at 22.49 now at amazon and also newegg.

rr2

All I had to read was the title “I may die poor” and the first thread “ I am 40yo - making 140k a year”. Seriously? If you read further, my question really is, what am I doing wrong? Was hoping to find something to dig into so I could research and educate myself to be in a better position - Granted...

rr2

If possible, refinance to a thirty year. Rates are really low.

rr2

^^ Ben Mathew viewtopic.php?p=5562762#p5562762

Great post. Very well written.

rr2

I refinanced a house with a mortgage in the amount of $280 K almost 9 years ago. I had two choices -- either a 30 year at 3.5% or a 15 year at 2.875%. I took the 30 year at 3.5% and invested the difference every month in VTSAX. After 9 years: Mortgage balance = $225 K Mortgage balance assuming 15 ye...

rr2

We recently retired and moved to the Big Island. Like I said, no place is perfect. We are in our early 50s, and fairly healthy and active. Someday, the need for better healthcare may become an issue, or maybe it will improve here. But, for now we are enjoying everything this place has to offer. Eas...

rr2

If the amount in USD is not much (as you mentioned) in both absolute terms and as a fraction of your assets, make your life simple and just transfer it all to the US after selling it. Less paperwork hassles makes it worth it.

rr2

2550.68

rr2

I wrote a fake review for Tripadvisor. https://www.tripadvisor.com/ShowUserReviews-g60491-d2255314-r554019017-Jackson_Hole_Mountain_Guides_Day_Tours-Jackson_Jackson_Hole_Wyoming.html Clearly creative writing is one of your other hobbies! :beer That was hilarious. I have never skied, but I might now...

rr2

We got a powerful Panasonic "inverter technology" one about seven years ago and it still runs like a champ. This looks like the newer model of the same thing: https://www.amazon.com/gp/product/B01DEWZUJQ/ref=ask_ql_qh_dp_hza It is very fast, and the knob is a nicer interface than the butt...

rr2

Ok. I apologize. I did not intend to demoralize rather illustrate that you don’t need to be a doctor or a google employee to make it FI. Slow and steady savings gets you there. Lots of $100,000 jobs around. As long as husband and spouse makes $100,000 each it should be doable. I respectfully sugges...

rr2

@ TheBogleWay -- This is the way I understand how I would apply the NY Times calculator. Your Case 1: 1M house -- Plug in the house price into the calculator. Adjust the other assumptions to match local conditions. It comes up with a rent. If you are able to rent a comparable house for less than the...

rr2

OP -- Almost every single financial argument and fact presented in the OP logically points towards renting being the better option. Yet you claim to be emotionally torn. Why? Looking at at from the affordability viewpoint, it is probably OK given your joint income after marriage. I assume that you h...

rr2

It's hard to tell without knowing what your spending and budget looks like. Assuming that you want to pay down in one year, the payments would be close to $300/month. This does not include gas, insurance, maintenance. I'd suggest you take a real good look at your budget and spending and then decide ...

rr2

I vote Option 4. But this depends on your preference. I would aim to get to have accumulated at least 25x Expenses (excluding debt) + Debt. In your case 25x + (325K). So are you saying once I have 25x + $325k I should then start paying down the debt instead of investing more in taxable? This was my...

rr2

I vote Option 4.

But this depends on your preference. I would aim to get to have accumulated at least 25x Expenses (excluding debt) + Debt. In your case 25x + (325K).

rr2

Lots to do in Barcelona. One of my favorite cities to visit. Day trips Figueres (Dali Museum if you like Dali stuff) Rupit (+ hiking) --> I went with a Meet Up group Insideout Barcelona. (https://www.meetup.com/Insideout-Barcelona/) Also, just outside Barcelona Sant Sadurni d Anoia has Cava Freixene...

rr2

Isn't the amount revised yearly based on discretionary income and family size? Also if you get married and file jointly, total income is taken into account.

rr2

I'm able to use the regular Chrome browser on my Chromebook to fill PDF forms. However, I cannot save it filled. What I do after filling is choose Print and then Save to PDF file. This PDF file preserves the entries that I made but loses the Fillability. No more changes can be made. It's been more t...

rr2

You can’t Time the market, but you can evaluate where you are relative to your goals, where the market is, and take rational action. With someone who has made great gains in the last decade, is very close to retirement goals, seeing modest forward looking equity returns with wide dispersion of poss...

rr2

Hmmm....I'm skeptical of something and wonder if someone can help me out. She says: Back in the early 1980s, I inherited $50,000. At the time, that was so much more money than I’d ever had before that I decided I’d better educate myself about financial matters. After much research, I put that money...

rr2

Please take a look at the following video. No one can be more convincing than Jack Bogle. https://www.youtube.com/watch?v=k6ra5POdsYg Thanks for this link. I love listening to him. Very interesting that Bogle admitted to have himself market-timed before the 2000 crash by going down to an asset allo...

rr2

My strategy was, once market drops 20% I will start buying again. It worked in 2008. I moved 100% in sp500. Kept on selling till 2016 Feb. Now I am just waiting. I may start DCA into SPY a little bit and hope for a crash in next few years. Can you elaborate a little more? When in 2008 did you sell ...

rr2

My strategy was, once market drops 20% I will start buying again. It worked in 2008. I moved 100% in sp500. Kept on selling till 2016 Feb. Now I am just waiting. I may start DCA into SPY a little bit and hope for a crash in next few years. Can you elaborate a little more? When in 2008 did you sell ...

rr2

16% YTD (up to 9/30/2017) with roughly an AA of 60/40 Stocks/Fixed Income.

rr2

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 ...

rr2

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....

rr2

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...

rr2

I would join but am on Big Island -- Hilo side

rr2

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...

rr2

Do you need that account to remain open. If not, just close that bank account and be done with it.

rr2

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...

rr2

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...

rr2

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 -- ...

rr2

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...

rr2

This is just my opinion BUT

Nobody Knows Nothing

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

Good luck!

rr2

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...

rr2

-- 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 ...

rr2

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...

rr2

Using thebigad's link, I was able to get the online Plus version (federal+state) for $20. Thanks.

rr2

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...

rr2

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...

rr2

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...

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