Search found 67 matches

by ZeroWealth
Wed Jan 17, 2018 10:04 am
Forum: Personal Investments
Topic: Which to Max First: 401k or HSA?
Replies: 13
Views: 2688

Re: Which to Max First: 401k or HSA?

I see no reason not to get the match on the HSA. How much do you have to save there to get the full match? After meeting both matches, put the rest in the 401k. Or is the problem that you are not able to save that much? Hi retiredjg, thanks for your thoughts! For the HSA, they will contribute the f...
by ZeroWealth
Wed Jan 17, 2018 9:47 am
Forum: Personal Investments
Topic: Which to Max First: 401k or HSA?
Replies: 13
Views: 2688

Which to Max First: 401k or HSA?

My employer opened up an HSA option this year, where they will be contributing $800 towards the max family limit of $6,900. They also have a 401k program where they match 50% of 6%. I'm wondering which of these to focus my efforts on maxing this year and looking for your suggestions. I maxed the 401...
by ZeroWealth
Fri Jan 12, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: What journalism are you currently reading?
Replies: 12
Views: 1174

What journalism are you currently reading?

In the same vein as the popular “What are you currently reading?” thread, what newspapers, magazines and other journalistic publications are you consuming on a regular basis? For my daily catch-up, I have The Economist Espresso app on my phone, along with The New Yorker Today app. For news, it’s NYT...
by ZeroWealth
Fri Jan 12, 2018 9:29 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1027
Views: 139865

Re: Post your Financial Milestone Announcements Here

So many wonderful milestones to celebrate here, congrats to everyone! :sharebeer 2017 was the first year we were able to max both Roth IRAs and my 401k, and this year we're hoping to max those again plus our newly available HSA. We're both in our 30s and have some catching up to do (I didn't start r...
by ZeroWealth
Fri Jan 12, 2018 9:51 am
Forum: Personal Investments
Topic: Looking for Best Alternatives for VTMFX
Replies: 7
Views: 1790

Re: Looking for Best Alternatives for VTMFX

The alternative is two funds instead of one with 50% in each. If Emerald City is in a state with an income tax, consider a state specific municipal bond fund for that state. Stock fund could be total stock market. Doing two funds may give you more tax loss harvesting possibilities. Also consider an...
by ZeroWealth
Fri Jan 12, 2018 9:08 am
Forum: Personal Investments
Topic: Looking for Best Alternatives for VTMFX
Replies: 7
Views: 1790

Looking for Best Alternatives for VTMFX

Hi everyone, My wife and I have a "safety net" brokerage account invested in VTMFX, and from everything I've been reading, having the stock and bonds rolled into a single fund isn't the best idea if we ever needed to rebalance because of having to sell both the bonds and stocks. We'll be hitting our...
by ZeroWealth
Thu Mar 16, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 4387

Re: How do Bogleheads handle allowance?

Was there a typo in the son's age (2 1/2)? No, my wife and I were having a discussion about how we should handle allowance with our son when he's older, and I thought I'd ask the people who understand the value of a dollar best. :D BTW, thank you everyone so far for sharing your methods and stories...
by ZeroWealth
Tue Mar 14, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 4387

How do Bogleheads handle allowance?

My DS is only 2-1/2, so we've got quite some time until he starts asking for "big ticket" things, but I wanted to see how my fellow Bogleheads handle allowance. My DW believes chores are part of being a member of the family, so does not warrant monetary incentive. Her thinking is that, if he needs m...
by ZeroWealth
Fri Mar 10, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 19076

Re: What to do with all these passwords ?

I'm a big fan of 1Password and have the family plan which is $4.99/mo for 5 people, which gives myself and my wife a nice shared account.
by ZeroWealth
Fri Mar 10, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Small (but Significant) Milestone
Replies: 26
Views: 3964

Re: Small (but Significant) Milestone

White Coat Investor wrote:You wouldn't believe how much faster they start coming.
I definitely think you're right, and with my DW most likely jumping back into the workforce in a few years when DS starts school, that will only accelerate our savings.
by ZeroWealth
Thu Mar 09, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Small (but Significant) Milestone
Replies: 26
Views: 3964

Re: Small (but Significant) Milestone

randomizer wrote:Congrats. Next up: half-a-million.
Here's hoping it takes less time than it took to hit the quarter mark. :)
by ZeroWealth
Wed Mar 08, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Small (but Significant) Milestone
Replies: 26
Views: 3964

Re: Small (but Significant) Milestone

JimmyD wrote:Not to hijack your thread, but we actually just crossed the same milestone. Congrats to the both of us! :sharebeer
Congrats Jimmy! :beer
by ZeroWealth
Wed Mar 08, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to finance a home addition?
Replies: 5
Views: 1164

Re: How to finance a home addition?

We faced the same dilemma when purchasing our latest car: how to finance? We had the cash to buy it outright, but we didn't want to deplete our "adventure" funds so much, so we crunched some numbers and figured we would be willing to pay $200/mo towards a small car loan. We ended up finding https://...
by ZeroWealth
Wed Mar 08, 2017 1:18 am
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 12091

Re: How much do you spend on food in a year?

Really interesting question, thanks for asking this! I just took a look and it would seem we spent $11.5k last year on groceries and $4.8k on restaurants. My wife is GFDF (gluten-free/dairy-free) so we have to buy a lot of expensive alternatives, which definitely adds to the grocery bill. More than ...
by ZeroWealth
Wed Mar 08, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 4157

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

Did they do anything for you beyond 100k on the battery pack? If you have the car for any significant length of time, you will likely end up into a new pack, which runs (IIRC) about $5k or thereabouts. Congrats on the vehicle. They are nice. There was nothing beyond the 100k battery pack warranty, ...
by ZeroWealth
Wed Mar 08, 2017 1:11 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 4157

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

My wife and I are currently SUV shopping as well. Would you mind saying what you paid for the 450H? Dealer or Private Party? Thanks in advance. Hi Slick, it was through a Lexus dealer and we paid ~$27.5k after taxes and registration. This was after turning down about 50 extended warranty options th...
by ZeroWealth
Tue Mar 07, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Small (but Significant) Milestone
Replies: 26
Views: 3964

Re: Small (but Significant) Milestone

bligh wrote:Wow, an 11% jump in home values in a year is huge.
You should have seen the condo (Seattle-metro area) we sold a few years ago. We sold it for 29% more than we paid after 2-1/2 years living their, now it's worth 74% more than what we paid and we wince every time we check Zillow, hah!
by ZeroWealth
Tue Mar 07, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4121
Views: 1175898

Re: What Book Are You Currently Reading? Part VI

The Count of Monte Cristo by Alexandre Dumas.

I seriously cannot believe it took me more than three decades of reading to finally start in on this book, it's quite simply incredible and I can't wait to start in on Dumas' other novels.
by ZeroWealth
Tue Mar 07, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Small (but Significant) Milestone
Replies: 26
Views: 3964

Small (but Significant) Milestone

Yesterday we crossed the $250k net worth threshold, though I'm mentally telling myself it's the "quarter million" milestone. :mrgreen: We got started a bit late in the game (I didn't start saving for retirement till 30), I'd been with startups offering no retirement for years, and my DW has been pur...
by ZeroWealth
Tue Mar 07, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 4157

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

Glad you enjoy your purchase! The 450h's are beautiful. I still don't feel worthy when I drive it around and the windshield wipers come on automatically. :P Also it only had 79k miles on it and a perfect maintenance record, we also got a free year of maintenance included in the purchase and a 12k p...
by ZeroWealth
Tue Mar 07, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 240
Views: 36984

Re: How Much in Your Emergency Fund And Is It Used?

We keep 6 months expenses + 20% invested in Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX) as our safety net for anything financially catastrophic like job loss or prolonged healthcare expenses. The 20% is to account for any wild fluctuations in the market or for a long-term bear market. ...
by ZeroWealth
Tue Mar 07, 2017 12:13 pm
Forum: Forum Issues and Administration
Topic: How do YOU read Bogleheads?
Replies: 37
Views: 7152

Re: How do YOU read Bogleheads?

I have Bogleheads set as the homepage to my browser, is that overkill? :twisted:
by ZeroWealth
Tue Mar 07, 2017 10:59 am
Forum: Personal Investments
Topic: Moving EF Away from LifeStrategy Funds
Replies: 14
Views: 1765

Re: Moving EF Away from LifeStrategy Funds

Thanks again for all the advice on this. This morning I did a 1:1 exchange from the LifeStrategy to VTMFX and will be moving some out for I-Bonds in the next few weeks.
by ZeroWealth
Tue Mar 07, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 4157

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

The RX 450h is the hybrid version of the RX 350, right? I haven't driven one, but I like the combination of the V6 power and best in class gas mileage. I know gas is cheap now, but I usually drive cars for 10 years.no guarantees gas well continue to be low priced the entire time. Indeed it is the h...
by ZeroWealth
Tue Mar 07, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 4157

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

gator1 wrote:Get the Lexus. You won't be sorry.
We got the Lexus (450h), and we definitely are not sorry. :)

Thanks everyone for your input on this!
by ZeroWealth
Wed Feb 15, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 4157

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

Thanks for your responses! I'm going to test drive a few tonight and will report back my impressions. :)
by ZeroWealth
Tue Feb 14, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 4157

2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

My wife and I are in the market for a second car (after many years of denying we only needed one), and we've narrowed our choice down to either the 2014 Subaru Forester 2.5i or the 2010 Lexus RX 350. We'd love to get first-hand opinions on these cars (not necessarily the exact model year) to help us...
by ZeroWealth
Wed Feb 08, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: London & Prague recommendations
Replies: 15
Views: 1852

Re: London & Prague recommendations

There have already been some great recommendations for London, though I want to specifically call out the Verger guided tour at Westminster Abbey . For £5 you get a wonderful 90 minute behind-the-scenes look at the Abbey, the best money you'll spend in London by far and you'll come away feeling humb...
by ZeroWealth
Wed Feb 08, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 4559

Re: Napa/Sonoma Recommendations

Such a huge thank you to everyone so far! This is an incredible start to our research and we cannot wait to start looking into these recommendations. Please continue to share!

PS: Why is there no wine glass smily? We need a wine glass smily. :D
by ZeroWealth
Tue Feb 07, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: OP UPDATE:Getting Rid of Google Search Result??
Replies: 37
Views: 8865

Re: Getting Rid of Google Search Result??

Sorry to hear about your situation. Here are some starting points with Google to help in the removal process: https://support.google.com/websearch/troubleshooter/3111061?hl=en https://support.google.com/websearch/answer/2744324 https://support.google.com/websearch/troubleshooter/3111061 While they r...
by ZeroWealth
Tue Feb 07, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 4559

Re: Napa/Sonoma Recommendations

btenny wrote:What is your time schedule and budget so we can give you better suggestions?
Thanks for your thoughts btenny, we're looking at 3 full days (arrive Monday, leave Friday) in Oct (anniversary month) and budget will probably be anywhere between $4k-$7k.
by ZeroWealth
Tue Feb 07, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 4559

Napa/Sonoma Recommendations

My wife and I are planning to visit Napa/Sonoma in 2019 for our 10 year anniversary, and are looking for recommendations on places to stay/wineries to visit/activities to partake in/best time to visit. We wanted to go beyond the guidebooks and get advice straight from the people that have been there.
by ZeroWealth
Sat Feb 04, 2017 10:37 am
Forum: Personal Investments
Topic: Moving EF Away from LifeStrategy Funds
Replies: 14
Views: 1765

Re: Moving EF Away from LifeStrategy Funds

retiredjg wrote:I think it is reasonable. Have you found the I Bonds page in the Wiki? If not, you should take a look. Link to Wiki in upper right.
Just finished reading up on the articles and they look great, thanks again!
by ZeroWealth
Fri Feb 03, 2017 5:51 pm
Forum: Personal Investments
Topic: Moving EF Away from LifeStrategy Funds
Replies: 14
Views: 1765

Re: Moving EF Away from LifeStrategy Funds

I think I Bonds are a perfect emergency fund if you are flexible enough to work around the 1 year waits. As your portfolio grows, there is less and less need for holding a separate emergency fund. Maybe that point would coincide with higher education for your kids if you have any. Some people get a...
by ZeroWealth
Fri Feb 03, 2017 5:16 pm
Forum: Personal Investments
Topic: Moving EF Away from LifeStrategy Funds
Replies: 14
Views: 1765

Re: Moving EF Away from LifeStrategy Funds

In the 25% tax bracket whether to use tax-exempt bonds or taxable bonds is something of a toss up and it seems to vary from time to time. Consider holding a portion of the tax-managed balanced fund and a "side" of a short term bond fund or something cash like (money market or CDs). This would give ...
by ZeroWealth
Fri Feb 03, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 58
Views: 12002

Re: Robocalls! -- current best call blocker?

I use the Hiya app on my iPhone (also available for Android) and it works pretty decently. Since I never answer calls I don't recognize, it definitely helps in identifying calls that maybe I should pay attention to, like my bank. :)
by ZeroWealth
Fri Feb 03, 2017 4:55 pm
Forum: Personal Investments
Topic: Moving EF Away from LifeStrategy Funds
Replies: 14
Views: 1765

Re: Moving EF Away from LifeStrategy Funds

Unless they are municipal bonds, bonds are not usually tax efficient. But if you don't want the volatility of an all equity portfolio (I wouldn't either with an emergency fund), that's the price you pay. You could construct a simple two-fund portfolio tilted toward municipal bonds, but I doubt that...
by ZeroWealth
Fri Feb 03, 2017 4:52 pm
Forum: Personal Investments
Topic: Moving EF Away from LifeStrategy Funds
Replies: 14
Views: 1765

Re: Moving EF Away from LifeStrategy Funds

To my knowledge, there are no tax-efficient balanced funds with an allocation of 40% stocks and 60% bonds . I think about 50/50 is it - Vanguard's Tax-managed Balanced Index. The only thing I know to do is move your money into Total Stock and Total International and a tax-exempt bond fund if you ar...
by ZeroWealth
Fri Feb 03, 2017 4:27 pm
Forum: Personal Investments
Topic: Moving EF Away from LifeStrategy Funds
Replies: 14
Views: 1765

Moving EF Away from LifeStrategy Funds

Hi folks, I had asked this question a little while back and didn't get much direction. I thought second time's the charm and a more succinct question would help. :D We have our 6-month emergency fund 100% in the Vanguard LifeStrategy Conservative Growth Fund (VSCGX) and I'm looking for a fund that p...
by ZeroWealth
Thu Jan 26, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 18979

Re: Best CC for Travel

If you aren't loyal to a specific hotel or airline chain, I would highly recommend the Barclaycard Arrival+. Their point system works like a credit to your account after your trip, so you essentially cover your qualifying travel costs with the points you've built up. Also it's one of the few cards t...
by ZeroWealth
Thu Jan 26, 2017 12:20 am
Forum: Investing - Theory, News & General
Topic: A Special Vanguard Fund
Replies: 17
Views: 3190

Re: A Special Vanguard Fund

Happiest of birthdays Taylor!
by ZeroWealth
Thu Jan 19, 2017 11:04 am
Forum: Personal Investments
Topic: First Impressions/Feedback of Our Portfolio
Replies: 10
Views: 1475

Re: First Impressions/Feedback of Our Portfolio

Did anyone happen to have any advice/thoughts on the emergency fund and IRA questions I had? I'm ready to make some immediate changes, though just looking for that gentle nudge from people way more knowledgeable about this stuff than myself. :D
by ZeroWealth
Wed Jan 18, 2017 5:41 pm
Forum: Personal Investments
Topic: First Impressions/Feedback of Our Portfolio
Replies: 10
Views: 1475

Re: Feedback of Our Portfolio

ZeroWealth: Thank you for listing the percentage of each fund in your total portfolio. Your asset-allocation is much more important than individual funds. More than anything else it determines your risk and return. Here's your breakdown: -------------- -US Stocks ------------------------------ Int....
by ZeroWealth
Wed Jan 18, 2017 11:51 am
Forum: Personal Investments
Topic: First Impressions/Feedback of Our Portfolio
Replies: 10
Views: 1475

Re: First Impressions/Feedback of Our Portfolio

Funds available in his 401(k) Fidelity 500 Index Fund - Premium Class (FUSVX) (0.045%) Everything else has an expense ratio of over 0.7% so not even worth looking at honestly Could you add all of the available funds for his 401k? A 0.7% ER would be only VG passive funds there are allot of good ones...
by ZeroWealth
Wed Jan 18, 2017 11:36 am
Forum: Personal Investments
Topic: First Impressions/Feedback of Our Portfolio
Replies: 10
Views: 1475

Re: First Impressions/Feedback of Our Portfolio

Questions 1. Emergency fund: Since it's in a taxable account, is it really wise that we put it in a LifeStrategy fund? I've been reading up on how the LS funds are not the best for taxable accounts, and was looking for recommendations on alternative investment options. I have a very stable job and ...
by ZeroWealth
Wed Jan 18, 2017 11:25 am
Forum: Personal Investments
Topic: First Impressions/Feedback of Our Portfolio
Replies: 10
Views: 1475

Re: Need % of each fund

ZeroWealth: It will be very helpful to analyze your portfolio if you will edit your post to put the percentage of each fund as the percentage of your TOTAL portfolio (not each account). Use the little crayon edit box at the top of your window. Thank you and best wishes. Taylor Thanks so much for th...
by ZeroWealth
Wed Jan 18, 2017 11:08 am
Forum: Personal Investments
Topic: First Impressions/Feedback of Our Portfolio
Replies: 10
Views: 1475

First Impressions/Feedback of Our Portfolio

Hello everyone, so happy to be a new member of the community. I've been lurking for a while now and wanted to get your feedback on how our portfolio looks at first glance. Emergency funds: Six Months + 20% overage (LifeStrategy Conservative Growth Fund at Vanguard) Debt: Mortgage with 266k left @ 4....
by ZeroWealth
Tue Jan 17, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 2873

Re: Junior and Senior Financial Independence

What was missing from my first post was a smiley. :oops: This is because the article is talking about 20X gross earnings rather than net or just expenses. Most calculators make the same flaw and you shouldn't fall for that. I currently contribute 30%+ of my gross income to my retirement account. Ad...
by ZeroWealth
Tue Jan 17, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 2873

Re: Junior and Senior Financial Independence

Well that sucks for me. By that definitions, I won't ever be financially independent. My retirement goal number is 18X my current gross income (and targeting for when I'm 52). :( If it makes you feel better, all the calculators online tell me I can't retire at 20x until I'm in my late 60s at the ea...