Search found 25 matches

by JasonA1987
Fri May 08, 2020 10:05 pm
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3368

Re: Is it worth buying an infant car seat for each car.

$190 is perfectly reasonable for a convertible car seat that will last a bunch of years. We have Graco 4in1’s for our girls. I will disagree with everyone that it’s unsafe to move them...with the Latch System, it’s far from rocket science. It’s just a bit of an annoyance, albeit a 5 minute annoyance...
by JasonA1987
Sun Apr 05, 2020 8:20 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16945

Re: What percentage of your paycheck do you invest?

~21% of pretax income.

Household income of $90,000, with two kids <5y/o.
by JasonA1987
Mon Mar 23, 2020 7:21 pm
Forum: Investing - Theory, News & General
Topic: Young investors, how do you feel about your 1st market crash?
Replies: 132
Views: 9258

Re: Young investors, how do you feel about your 1st market crash?

32. 100% equities. The only thing I’m sad about is not having any money to invest more, but at the same time, my budget is pretty tight and all excess already goes to stocks. Money isn’t emotional for me, so I’m pretty happy to have a few years of accumulating at a lower cost A huge part of the lack...
by JasonA1987
Sat Jan 25, 2020 9:18 pm
Forum: Personal Investments
Topic: Year 7 as a Boglehead: :sharebeer: emoji
Replies: 13
Views: 1609

Re: Year 7 as a Boglehead: :sharebeer: emoji

I will second looking at term life before your wife is pregnant. We had to shop pretty hard to get coverage because my wife got gestational diabetes with our second as well as it aggravated a benign thyroid condition. Apparently insurances don’t understand that pregnancy isn’t a permanent condition.
by JasonA1987
Sat Nov 09, 2019 12:51 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1760
Views: 230323

Re: Milestone #2 250K

Congratulations! I just hit $100k in retirement last week. I can fully appreciate how it feels. I’m 32 with a lower income as well. Keep up the good work!
by JasonA1987
Mon Aug 19, 2019 10:54 pm
Forum: Personal Investments
Topic: How much does your employer 401k plan charge?
Replies: 43
Views: 3035

Re: How much does your employer 401k plan charge?

My employer has about 100 employees. We pay 0.25% of the plan balance until $175,000. We have some vanguard options with ERs of 0.03-0.04 and a 6% match.
by JasonA1987
Fri Aug 02, 2019 10:01 pm
Forum: Personal Investments
Topic: 401k contribution - math help
Replies: 5
Views: 408

Re: 401k contribution - math help

Awesome! Thank you for the help. I am trying to plan ahead. We will have our last medical bill paid off in a month or two, and a truck shortly after that. I figure if we can afford to pay $1000-1500 a month on debt (Required payments plus significantly extra.) we wouldn’t miss that money when the de...
by JasonA1987
Fri Aug 02, 2019 8:49 pm
Forum: Personal Investments
Topic: 401k contribution - math help
Replies: 5
Views: 408

401k contribution - math help

Thanks for taking the time to help me understand! So, my question is basically what effect on take home pay, does my pre tax 401k contribution have? Below are some hypothetical :wink: numbers, rounded slightly so the math may not be correct to the cent. I took a stab at this, but I’m just guessing s...
by JasonA1987
Wed Jul 10, 2019 7:59 pm
Forum: Personal Investments
Topic: Math Question
Replies: 13
Views: 1683

Re: Math Question

https://www.disabled-world.com/calculat ... entage.php

Calculators are the greatest tool ever!
by JasonA1987
Tue Jul 02, 2019 10:29 pm
Forum: Personal Investments
Topic: Adding some bonds
Replies: 8
Views: 1114

Re: Adding some bonds

Thank you all! I appreciate your time. I have been lurking and reading for a long time and felt like I’m missing something not adding bonds in. Ericcohen, I’m not going to do anything crazy; just maybe set 10-20% of future contributions at the moment and let it slowly work it’s way up. :D
by JasonA1987
Tue Jul 02, 2019 11:41 am
Forum: Personal Investments
Topic: Adding some bonds
Replies: 8
Views: 1114

Re: Adding some bonds

The employer info sheet is the link up there with the bond options and ER.

I’m 30 and my wife is 26. I know it’s arbitrary, but we are about to break $100,000 in retirement and a net worth of almost $350K (Great housing market luck.)
by JasonA1987
Tue Jul 02, 2019 11:25 am
Forum: Personal Investments
Topic: Adding some bonds
Replies: 8
Views: 1114

Adding some bonds

I’m hoping this is a simple question! I have an employer provided retirement account, my wife has the same, then we have an Roth IRA with Vanguard. Up till now, I we have 100% in stocks - All low ER vanguard funds that match the stock market as best we can. The IRA has a small amount of VGTSX and no...
by JasonA1987
Mon Jan 21, 2019 1:06 pm
Forum: Personal Investments
Topic: AA Question - Vangaurd Portfolio Watch
Replies: 1
Views: 246

AA Question - Vangaurd Portfolio Watch

I have what I am guessing is a fairly simple question. (TLDR: Is what I am doing reasonable?) I have a 401 through my work, my wife has a 401 and a 457 through her work, and then I have an IRA with Vanguard. A while ago I was trying to figure out a simple way to make sure the asset allocation was co...
by JasonA1987
Thu Oct 18, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: Help me understand dividends
Replies: 146
Views: 15666

Re: Help me understand dividends

How does that change though if the dividends are paid out of a mutual fund? The dividend would be reinvested in many companies, not just the one that paid the dividend. So, lets go back to the start. A foundational bit of investment theory is the Miller Modigliani Dividend Policy Irrelevance Theore...
by JasonA1987
Wed Oct 17, 2018 11:41 pm
Forum: Investing - Theory, News & General
Topic: Help me understand dividends
Replies: 146
Views: 15666

Re: Help me understand dividends

So my total dollar amount doesn't change, but my number of shares increase and I have "more" of the company Yes and more potential for growth. No to maybe. You are assuming the company has good prospects. There are a fair number of "zombie" companies out there. Their earnings are either stagenet or...
by JasonA1987
Wed Oct 17, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: Help me understand dividends
Replies: 146
Views: 15666

Re: Help me understand dividends

Apparently I was on of those people that had no clue about dividends before reading this. I still think I may not understand. Let me ask a basic scenario. Say I own $10/10 shares of whatever stock. It pays a dividend of $1. The stock reduces to $9 but I still have 10 shares. I immediately reinvest t...
by JasonA1987
Thu Dec 22, 2016 11:09 am
Forum: Personal Finance (Not Investing)
Topic: What should I expect to happen during/after car loan payoff?
Replies: 14
Views: 1693

Re: What should I expect to happen during/after car loan payoff?

I paid off two in the last couple of months. What everyone else said is correct; you will just mail a check and they will send you the title. On the title will be a signature from the lien holder releasing the lien. You should go get a new title reissued under your name for the simple reason of if y...
by JasonA1987
Fri Dec 16, 2016 6:44 pm
Forum: Personal Investments
Topic: Installment loan to boost credit score.
Replies: 30
Views: 3429

Re: Installment loan to boost credit score.

When my wife and I were trying to buy a home, we took out two $1,000 loans at our bank. This was recommended by our mortgage broker. The fees and interest for each loan was around $50. I consider that a small price to qualify for a lower interest rate on a home mortgage. For someone with an extensiv...
by JasonA1987
Mon Dec 12, 2016 1:07 am
Forum: Investing - Theory, News & General
Topic: A question for newbie Bogleheads
Replies: 22
Views: 2755

Re: A question for newbie Bogleheads

That expense ratio matters and that it is not hard, just read some and pay attention. Put down the financial advisor coolaid
by JasonA1987
Wed Dec 07, 2016 10:35 pm
Forum: Personal Investments
Topic: New to investing: general portfolio suggestions?
Replies: 10
Views: 1099

Re: New to investing: general portfolio suggestions?

Oh, and as far as her 401, you are going to shake your heads, I need to track down the paperwork and statements. They are in her files somewhere........
by JasonA1987
Wed Dec 07, 2016 10:32 pm
Forum: Personal Investments
Topic: New to investing: general portfolio suggestions?
Replies: 10
Views: 1099

Re: New to investing: general portfolio suggestions?

Duckie, Thank you so much for that breakdown! I spent most of the day reading and figuring and came out with a very, very similar percentage for each of those. I feel dumb now because all of this information was already on this forum and I had overlooked it all. I did have one difference in what I f...
by JasonA1987
Wed Dec 07, 2016 3:05 am
Forum: Personal Investments
Topic: New to investing: general portfolio suggestions?
Replies: 10
Views: 1099

Re: New to investing: general portfolio suggestions?

Let me see if I am getting an idea of what you guys are recommending. 60% of total assets should be domestic stocks made up of: 70% of instl index, 30% mid, and 10% small cap. This would approximate a total market index. Then a 30% of total assets in International stock and 20% of total assets in th...
by JasonA1987
Wed Dec 07, 2016 12:20 am
Forum: Personal Investments
Topic: New to investing: general portfolio suggestions?
Replies: 10
Views: 1099

Re: New to investing: general portfolio suggestions?

I can see I have some more reading to do! Thank you for the guidance.

Where would I find what percent of each of the Inst, Mid Cap, and Small Cap would equate to the Total Stock Market?
by JasonA1987
Tue Dec 06, 2016 9:35 pm
Forum: Personal Investments
Topic: New to investing: general portfolio suggestions?
Replies: 10
Views: 1099

Re: New to investing: general portfolio suggestions?

Duckie, Thank you for your reply! My wife is contributing to receive a full match. Is a 10% more reasonable in other factors are taken into consideration? Such as that we don't have a lot to put into retirement? The rIRA is would be His. We don't have enough income at the moment to fund a Her rIRA. ...
by JasonA1987
Tue Dec 06, 2016 8:07 pm
Forum: Personal Investments
Topic: New to investing: general portfolio suggestions?
Replies: 10
Views: 1099

New to investing: general portfolio suggestions?

Hello, I am incredibly new to any form of investing and I was hoping to get some expert eyes on what I have done so far and any advice for the future. I have read a lot over the past few months, much of it on Bogleheads.org, and I think I have a pretty good idea, but I am still nervous that I am mis...