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I grew up in Westchester. $230k may not count as "middle class" nationally but it's amazing how much you can make and still feel crunched trying to live what feels like a middle class lifestyle in New York. I'm not sure what part of Westchester you're in but I suspect that you have three basic optio...

And, I'm not sure your referenced material really says low interest rate environments are more volatile for bond values. Saying that a 1% yield change to a 3% bond has a bigger impact to value than it does to a 6% bond doesn't necessarily mean 1% yield changes are as common in a 3%-yield world than...

I've been following this and the original thread since the beginning and am still an investor in the OG 60/40 version. My inception date is April 3 and I'm up 37% since then. I have a question I don't believe I've seen addressed yet. Is there an inherent (as in, mathematical, law of physics type thi...

I have used both and the rotary used to chew up my neck pretty badly.

I am still using the original 60/40 TMF/UPRO allocation. I'm currently up 27.7% and approaching my second rebalance date in a few weeks. I have no plans to change.

I'm someone who eats meat but would like to eat less to reduce environmental and ethical impact. I generally like meat substitutes (tempeh, trader joe's soy chorizo, etc.). I made the Beyond Burger at home and it had a funny taste. Would not buy it again. I ordered the impossible burger for the firs...

I posted this article in another thread but it answers your question.

https://portfoliocharts.com/2019/05/27/ ... convexity/

Tyler from PortfolioCharts (I believe that's his name) has a new article out today about "bond convexity." I had never heard of this concept so I learned a ton. Helps explain the volatility of long bonds and, of particular relevance to this strategy, why they can be a good investment even in low rat...

I am a Betterment customer and am happy with it. Here are the reasons I think it is worthwhile to pay them a 25 bps management fee: 1) Tax loss harvesting. I realize this isn't super relevant for you since you don't have taxable investments. I've been an investor with them since 2014 and in that tim...

This one: https://www.walmart.com/ip/Cosco-Scenera-Next-DLX-Convertible-Car-Seat-Moon-Mist/41126745 The Cosco Scenera. We bought it just for air travel. It's cheap and light. We use it to drive around on vacation but have a more premium one that weighs a ton for home. I would recommend also getting ...

Electronic stability control is a big deal, and when I was shopping for a used car a few years ago I wouldn't consider one that didn't have it. The NHTSA began requiring that all cars have it in model year 2012, although many models had it before then. Estimates from regulators were that it would sa...

I do not think we are at peak FI yet because I think there are structural changes in our economy that are helping drive the FIRE movement (to the extent that there is one). Keynes thought that with efficiency gains we would only have to work 15 hours a week. Somehow that never happened. Instead it s...

I paid $3k on my credit card for each of the two cars we own. Paid the rest by check. In both cases the dealer wouldn't let me pay more than $3k on the credit card (would have loved to put the whole thing on there).

There are many important resources on this and you're doing the right thing asking these questions before you buy. 1)Are Flood insurance costs built into the Common charges of the condo building? ---I believe it depends on the building but you should absolutely ask. And figure out exactly what would...

OP is exhibiting an extreme case of hedonic adaptation. Here's an idea: take the bus or ride your bike for a month, then come back and tell me that your Subaru is "too uncomfortable to drive." If that sounds too spartan, go on a camping trip. I find that they help reset my internal clock on what cou...

I'm kind of amazed by the responses so far. Here's a relatively young couple with no debt and a mid-six-figure net worth earning enough to have $3,000 extra cash left over at the end of every month and people are acting like they are Thelma and Louise speeding towards some sort of financial cliff. S...

I took Amtrak from New York to San Francisco with my mom and brother a few years ago. We loved it. That route is the California Zephyr. The one you would be doing is the Empire Builder, which is supposed to be just as beautiful (possibly more). They time the schedules so that you are going through t...

I bought a used Leaf in January and agree with everything that's been said. Since it's our second car and my commute is only ~6 miles each way the range was just never an issue for me. Mine is a 2015 and as others have said, the prices for a lightly used one are fantastic.

I've tried Blue Apron and was a Plated user for about six months. As others have noted, all these services offer promotions, so you can string together a bunch of them and spend a good chunk of time seeing whether it's for you without much if any financial outlay. I didn't have any trouble cancellin...

I read through this thread intending to post Tyler's great analysis from PortfolioCharts, since it just showed up in my inbox, but I see he's already posted it himself. One big question in my mind, Tyler, is whether the performance results you're working with are net of fees. As others have mentione...

I would not mind a service that did very basic rebalancing and TLHs, maybe tax optimization based on your preferences, and that was it. I think this would best be offered by a broker like Vanguard/Schwab/Fidelity since they'd make revenue off both the ETFs (presumably theirs which I would be fine w...

I also own a Brompton and love it deeply. I've owned mine since 2009 and have used it to commute in NYC, San Francisco, Washington DC, and Milwaukee. I also use it to buy groceries, pull my toddler in his trailer, and even go camping. My wife has one too. They are pricier than other options but the ...

I agree with Phil. I've read threads going back years that have dismissed low vol as overbought, and yet when I run XSLV through the factor regression tools on portfoliovisualizer it shows up as significantly more "valuey" than many of the value ETFs people here like to own (VBR in particular). That...

Try portfoliocharts.com It is an awesome website full of great data visualizations built by a guy who is annoyed by many of the problems being raised on this thread in response to your post- returns being dependent on which period you selected, people acting as if "starting" at a given time means pu...

I'll offer another endorsement of Upton tea imports. They have an amazing selection. In fact, the selection is so vast it can be almost bewildering. When I am feeling that way I order from Adagio or Harney and Sons, but I do think Upton offers the best bang for your buck.

I was surprised Boise ID isn't on your list. I've never been there but my impression is that it's affordable, relatively urbane, and the access to the mountains is unparalleled. It might be cold in the winter, but probably less than Minneapolis. Also what about Asheville NC, Burlington VT, and Ashla...

I'll second what alfaspider said in general, but the logic today is that Trump and Congress's inability to pass health care reform puts the rest of their agenda in jeopardy, and that includes the massive tax cuts they've been talking about. Those (particularly corporate tax cuts) are a big part of w...

In response to the thoughts by nedsaid, I have heard similar concerns expressed often when the subject is low-vol ETFs. But I always find myself wondering whether the AUM of such ETFs is high enough to make any difference to the stock price of a company like Coca-Cola or P&G. I don't have the math s...

Thanks for all the responses everyone! For now I think I am leaning towards sticking with Betterment, at least for the time being. As I've researched the alternatives I've done some more digging into what it would entail for me to do tax loss harvesting and/or asset location on my own and I think I'...

There are two separate questions: first, should I contribute to taxable or tax deferred and if so in what amounts? And second, how do I allocate my assets to maximize tax efficiency? In other words, your analysis goes to the question of whether I should put my savings into a tax deferred account or ...

As noted in another thread, Betterment this week increased the fees on accounts over $100k to 25bps. I am one of the customers who was extremely disappointed by the move and the way it was disclosed, and my initial reaction was very emotional. Part was irrational loss aversion, but part was a legiti...

I'm going to take a crack at explaining #2 since it seems to be causing trouble. The reason owning stock is different from owning a baseball card is that you literally own a piece of the company. Imagine if by buying all the existing Aaron Rodgers baseball cards you could literally own Aaron Rodgers...