Search found 45 matches

by charis23
Fri Jun 28, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pursued the wrong career?
Replies: 37
Views: 6705

Re: Pursued the wrong career?

Working data scientist in industry here. I don't have a lot of experience with advising someone so far along in their careers making a switch to data science. Although I have worked with a number of data scientists in the past who come from PhD programs. Most of them, rather than doing a master's in...
by charis23
Sun Jun 09, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance immediately after new home purchase?
Replies: 24
Views: 2030

Re: Refinance immediately after new home purchase?

You can certainly refinance to a lower rate for no cost. I just closed on a 30 year 3.875% no cost refinance. I will probably be able to refinance again lower in a month for no cost. Use a broker. Quicken loans is expensive. I did this recently too. Refinanced at 3.875% where they paid me a couple ...
by charis23
Mon Apr 15, 2019 2:04 pm
Forum: Personal Investments
Topic: Tax Efficient Schwab Bond Fund
Replies: 19
Views: 2256

Re: Tax Efficient Schwab Bond Fund

Charis23 Schwab doesn't really point it out, but once you have enough they put you into different group ( Signature ( unless they've changed it), differentiated into (at that time) Pinnacle and other classes by amount invested.... usually half mil, mil plus, and some class above that (3 or 5 mil?))...
by charis23
Mon Apr 08, 2019 12:45 pm
Forum: Personal Investments
Topic: Tax Efficient Schwab Bond Fund
Replies: 19
Views: 2256

Re: Tax Efficient Schwab Bond Fund

Aren’t there commissions when buying Vanguard ar Schwab? Yes there is. In the case of Vanguard Inter-Term Tax Exempt VWITX it's $76 and $0 to sell. This is one of the reason to use Schwab funds wherever possible and do sales as infrequently as possible, such as once-a-year in my MIL's case. If you ...
by charis23
Wed Apr 03, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Less than year into 30 year mortgage...refi?
Replies: 10
Views: 937

Re: Less than year into 30 year mortgage...refi?

Going through a refi now from a 30year to a 30year that is less than a year old.

This is a calculator that helps you see if it's worth it: https://www.mtgprofessor.com/calculator ... tor3a.html

In my case it is.
by charis23
Tue Mar 26, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo is refinancing my mortgage... for FREE!
Replies: 57
Views: 13321

Re: Wells Fargo is refinancing my mortgage... for FREE!

My First Republic mortgage banker took me out to lunch today, offered to refinance my 3.25% 5/1 ARM taken out 12 months ago to 2.625%. $3k in closing costs. Will save me close to $8k/yr in interest. Wow that sounds like a great rate. The Freddie Mac PMMS is showing the 5/1 ARM at 3.84%. http://www....
by charis23
Tue Mar 26, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo is refinancing my mortgage... for FREE!
Replies: 57
Views: 13321

Re: Wells Fargo is refinancing my mortgage... for FREE!

I recently got a call from my mortgage lender offering a no-cost refi. I took out a 4.5% fixed for 30-years last year and they're offering 4.0% at no cost to me. They also offered 3.5% at a 10/1 ARM but I'll probably take the fixed. Has anyone else gotten offers like this? I get letters from my ban...
by charis23
Tue Mar 26, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo is refinancing my mortgage... for FREE!
Replies: 57
Views: 13321

Re: Wells Fargo is refinancing my mortgage... for FREE!

I recently got a call from my mortgage lender offering a no-cost refi. I took out a 4.5% fixed for 30-years last year and they're offering 4.0% at no cost to me.

They also offered 3.5% at a 10/1 ARM but I'll probably take the fixed.

Has anyone else gotten offers like this?
by charis23
Mon Mar 25, 2019 2:07 pm
Forum: Personal Investments
Topic: Charles Schwab Funds
Replies: 22
Views: 3204

Re: Charles Schwab Funds

If you want to go even simpler and go with 1-fund, Schwab has good target date index funds. The only down-side of them is they hold a small proportion of cash. https://www.schwab.com/public/schwab/investing/accounts_products/investment/mutual_funds/mutual_fund_portfolio/target_funds Be sure to use t...
by charis23
Fri Mar 22, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5295

Re: Do you still wear a necktie to work?

I recently started a job where I need to wear a tie 4 days out of the week. I think after a couple of months I'm used to it now and it doesn't bother me.
by charis23
Thu Mar 07, 2019 6:16 pm
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 248
Views: 61754

Re: A Returns Spreadsheet for Bogleheads

Thank you for this spreadsheet longinvest!

Quick question, does the spreadsheet assume monthly contributions are made at the beginning of a month? I'm assuming there may be small differences compared to say what Vanguard calculates if one is investing twice a month.
by charis23
Wed Jan 16, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 52032

Re: John Bogle is dead at 89

John Bogle did so much for the individual investor. My condolences to his entire family.
by charis23
Thu Nov 29, 2018 3:49 pm
Forum: Personal Investments
Topic: CA resident 529
Replies: 17
Views: 2201

Re: CA resident 529

If you're on the fence about opening a CA 529 for your kid or a nephew/niece/grandchild, a great time to open one would be between 12/5/18 and 12/7/18. You'll get a $50 Amazon gift card if you setup a $50 opening deposit and $25 automatic contributions. That's a 25% return over 6 months :shock:. I'm...
by charis23
Tue Oct 30, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Open Enrollment 2019 question
Replies: 1
Views: 448

Open Enrollment 2019 question

Hello Bogleheads, I wanted to ask for the community's help in evaluating health plans during open enrollment. My company is fairly generous with health benefits since they pay for all of the premiums for my whole family. We're expecting a child at the end of the year so there is an opportunity to ch...
by charis23
Wed Sep 12, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16949

Re: iPhone XS Max

I'm probably going to go with a certified refurbished 7 or 7 Plus for my wife and I. Need to upgrade our 3 year old iPhone 6. If you're planning on buying an iPhone (or anything from Apple), you can use get 1.2% cashback if you use Acorns. For some reason the offer only shows up via the mobile app (...
by charis23
Tue Jul 10, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3779

Re: What’s the median income of Bogleheads?

Bogleheads had an anonymous net worth survey in 2015 to 2017 which included income. There were hundreds of responses as I look back at it. Go to https://docs.google.com/spreadsheets/d/1IwBXes8GdYOmOrtKnYLd5Vw8M7TALte_nk63hbUfAIY/edit#gid=630152586. There were others which you can search for. Thanks...
by charis23
Sat Feb 17, 2018 8:01 pm
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 39
Views: 3504

Re: Orange County, CA chapter?

I'm open for suggestions on potential locations. taking a quick look at where the other local chapters meet it looks like generally folks are meeting at restaurants, food courts or libraries. I think if we get enough folks, we can try to choose a central location.

I'm located in Irvine.
by charis23
Sat Feb 17, 2018 1:40 pm
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 39
Views: 3504

Re: Orange County, CA chapter?

Reviving this old thread. It doesn't look like there is an orange county chapter yet. If there are enough folks interested, I'd love to start a local chapter in the OC area.
by charis23
Mon Feb 12, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 9558

Re: I’m not renewing my Costco membership.

Two thoughts: 1. I make my own bread. The 50 lbs sack of flour for $12.50 literally pays for the entire annual membership in its savings versus supermarket. I buy a few 50 lbs sacks per year, so for me membership a no-brainer. 2. I also don't like consumerism. Try walking through the store "backwar...
by charis23
Wed Jan 24, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 11738

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I just replaced the battery in my dying 5s DIY. Now it runs like a new one without a bulky battery case. cost for the battery: $20. Where did you buy the battery? what equipment did you use to perform the swap. I am in precisely this situation with my 5s. I recently swapped my iPhone 6 battery at O...
by charis23
Sat Jan 13, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: IRA recharacterization
Replies: 9
Views: 1067

Re: IRA recharacterization

Looks like I'm in the same situation as the op in wanting to recharacterize a traditional IRA contribution I made in Jan 2017 to a Roth IRA. Our MAGI will be less than the phase-out limit (189k). Just to be clear with the new tax law, if my understanding is correct, recharacterizations like this (tr...
by charis23
Sat Jan 13, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: 2017 HR Block tax federal tax update won't install
Replies: 11
Views: 3234

Re: 2017 HR Block tax federal tax update won't install

I have had this problem in the past with the Mac version. If you have any external drives connected to your computer, disconnect them and the update should proceed correctly. This worked for me. Especially if you have the H&R Block image file still loaded, the upgrade hangs. I wound up just re-down...
by charis23
Tue Jan 02, 2018 2:31 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 167
Views: 15463

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

First time trying this. My guess is 3208.
by charis23
Tue Dec 12, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 12282

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Thanks for sharing this. Will try out H&R Block this year. Has anyone ever done their taxes with both TurboTax and H&R Block and spotted any differences?
by charis23
Sun Dec 03, 2017 12:34 am
Forum: Investing - Theory, News & General
Topic: Podcasts for Bogleheads?
Replies: 32
Views: 8300

Re: Podcasts for Bogleheads?

Two financial podcasts I like are: Radical Personal Finance (Joshua Sheats): https://radicalpersonalfinance.com/ - Not 100% bogleheads related stuff but I appreciate how he often takes a non-traditional view on personal finance topics. Animal Spirits: A new podcast from Ben Carlson - https://itunes....
by charis23
Sun Dec 03, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6509

Re: Southwest Companion Pass [California only]

Has anyone actually gotten their companion pass (from the promotion) enabled yet? My wife did this one, and we've already gotten the bill that includes the first purchase, but companion status is not showing up on Southwest yet. I'm not all that worried about it (I think they said to allow up to 30...
by charis23
Tue Nov 28, 2017 1:42 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 3915

Re: CAR: Buy new, buy used (2016), lease new

OP, seems like I was in your shoes just 2 months ago. I pulled the trigger and bought a 2017 Civic EX (w/ Sensing) a couple months ago. I love the car by the way. I basically did a few rounds of online negotiation before going into a dealer. Just to give you a benchmark, this was what I was able to ...
by charis23
Thu Oct 26, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6509

Re: Southwest Companion Pass [California only]

As I read the offer on the points guy, Southwest must email or mail you this offer. It is not something you can just randomly signed up for. Other restrictions apply. I hope I am incorrect, but this is what I am reading… I heard this too. I know some friends applied even though they were not specif...
by charis23
Wed Oct 25, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6509

Southwest Companion Pass [California only]

I thought I'd post what I think is a ridiculous "deal" but only for California residents. California residents can get a Southwest companion pass by just opening a credit card and making one purchase: https://creditcards.chase.com/a1/southwest/PlusCali. If you haven't heard of the companion pass bef...
by charis23
Thu Jun 22, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Free Cell Phone Plans for a Year @ Sprint
Replies: 29
Views: 6006

Re: Free Cell Phone Plans for a Year @ Sprint

Got both DW and my numbers ported over yesterday and my account is all setup online. Still feels too good to be true that they're giving away a year of unlimited service. Got this notification in my email today too: You are well on your way to saving over $900 in your first year with Sprint, compare...
by charis23
Wed Jun 21, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Free Cell Phone Plans for a Year @ Sprint
Replies: 29
Views: 6006

Re: Free Cell Phone Plans for a Year @ Sprint

I actually used this promotion and switched from Cricket to Sprint this morning. The process was a little more painful than expected. I thought I could go through the process completely online but wound up having to talk to 4 different customer service reps before getting someone that could help. It...
by charis23
Mon May 08, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Budget/Expense Apps?
Replies: 10
Views: 1162

Re: Budget/Expense Apps?

8foot7 wrote:Not online (yet), but (sort of) iOS -- YNAB is a great tool. youneedabudget.com.
+1 for YNAB. They actually do have an browser-based version now. The mobile app is only useful for inputting expenses.
by charis23
Mon May 01, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: R and Data Sets
Replies: 18
Views: 2700

Re: R and Data Sets

Big R fan here. I always point new R users to learn the 'tidyverse' set of packages: http://tidyverse.org/. You will make your life much easier learning how to do data manipulation with a dplyr + tidy verse mindset as opposed to learning it the 'base R' way. Hadley Wickham, the man behind these R pa...
by charis23
Wed Mar 29, 2017 4:07 pm
Forum: Investing - Theory, News & General
Topic: Cars - possible recession indicator?
Replies: 21
Views: 4190

Re: Cars - possible recession indicator?

This is an article my co-worker shared this morning. Auto loan delinquencies are picking up, highest they've been in the last 7 years.

https://amp-businessinsider-com.cdn.amp ... ans-2017-3
by charis23
Thu Mar 16, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Prius Prime Looks Interesting...Price is Very Attractive
Replies: 30
Views: 8622

Re: Prius Prime Looks Interesting...Price is Very Attractive

Norton750, did you wind up purchasing a Prius Prime? I'm in market for a car, some cars I've considered are the Civic Hatchback, Volt, and now the Prius Prime. It's hard for me to pull the trigger on an EV given the rate at which this technology is changing. Ideally I can get ~2 more years out of my...
by charis23
Thu Feb 09, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Disability Insurance Quote
Replies: 6
Views: 847

Re: Question about Disability Insurance Quote

I didn't know that about RPP. I will opt for the age-67 benefit.

Thank you for all your insight BruDude. You are an incredible resource to this forum!
by charis23
Thu Feb 09, 2017 2:35 am
Forum: Personal Finance (Not Investing)
Topic: Question about Disability Insurance Quote
Replies: 6
Views: 847

Re: Question about Disability Insurance Quote

1. Retirement Protection Plus is not a commonly sold rider. I have it on my own policy, but most people think the disability insurance is expensive enough without it and often opt to leave it out. I call this an "icing on the cake" rider - nice to have, but not as important to include as the FIO, C...
by charis23
Wed Feb 08, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Disability Insurance Quote
Replies: 6
Views: 847

Re: Question about Disability Insurance Quote

What is your monthly income? Are you going to be paying with post-tax dollars? If so you probably only need about 50-60% of your income in coverage as the payouts will be tax-free. With regard to the different riders, it really depends on your circumstances. Future Increase Option may not be necess...
by charis23
Wed Feb 08, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Disability Insurance Quote
Replies: 6
Views: 847

Question about Disability Insurance Quote

Hi, After perusing the forums for a month or so now, I buy the argument that purchasing disability insurance outside one's employer is a wise move. I went ahead and got a quote from Guardian as they seem the most reputable and wanted to get your thoughts on it. Age: 29 Listing out the benefits and (...
by charis23
Wed Jan 25, 2017 1:46 am
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 7992

Re: Cheap, Non-Traditional Cell Phone Plans

I love my $80/year pageplus plan. That is right, $80 PER YEAR for 2000 minutes on my Moto G. Most of my phone calls are free and use wifi over google hangouts, which works well on this phone. No one knows I talk for free most of the time. Only when I'm on the road for a long time and lack wifi do I...
by charis23
Tue Jan 03, 2017 2:39 am
Forum: Personal Investments
Topic: Help with portfolio (first-time poster)
Replies: 9
Views: 1227

Re: Help with portfolio (first-time poster)

You need to determine your actual marginal tax rates. I doubt that it's possible that you can be 28% fed and 5.89% CA. More likely, 28% fed puts you at over 9% CA. These tax rates will determine whether to contribute to deductible or Roth accounts. For retirement savings, max out tax advantaged acc...
by charis23
Tue Jan 03, 2017 2:32 am
Forum: Personal Investments
Topic: Help with portfolio (first-time poster)
Replies: 9
Views: 1227

Re: Help with portfolio (first-time poster)

Her Traditional IRA at Vanguard 26% Vanguard Institutional Target Retirement 2055 Fund (VIVLX) (0.10%) 100% match up to 6% I think you've mislabeled this as it looks like Her 401k? Instead of contributing 10k to taxable for retirement, I would use it to fund HER traditional IRA and and HER 401k abo...
by charis23
Mon Jan 02, 2017 8:38 pm
Forum: Personal Investments
Topic: Help with portfolio (first-time poster)
Replies: 9
Views: 1227

Re: Help with portfolio (first-time poster)

Thank you for those two links. Seems like traditional > Roth for someone in my situation. That is suprising!
by charis23
Mon Jan 02, 2017 5:50 pm
Forum: Personal Investments
Topic: Help with portfolio (first-time poster)
Replies: 9
Views: 1227

Help with portfolio (first-time poster)

Hello! I'm a first-time poster and relatively recent lurker. I just want to first say that this community is tremendous and an incredible resource that I wish more people knew about. I was wondering if I could get some help with some portfolio decisions. I've been a supporter of the permanent portfo...