Search found 237 matches

by TheHouse7
Sun Dec 17, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 53
Views: 2867

Re: 28 Years Old: In the current market, what % into bonds?

Thank you all so much for quick responses and advice. It seems I'm at least not out of bounds with what I have currently and maybe could be a bit more aggressive. Someone suggested reading some books and I have done some of that but it's been a while. When I first started teaching I happened upon "...
by TheHouse7
Sun Dec 17, 2017 2:37 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone putting money aside into Gold?
Replies: 54
Views: 2801

Re: Is anyone putting money aside into Gold?

uberational44 wrote:
Sat Dec 16, 2017 9:50 am
I have been taking great interest in gold recently and gold mining companies...

Has anyone else considered this?
Honestly, the time I've put into investing in gold has only lead me to sales people. This had made me more than suspicious. :twisted:

(plug in fear mongering youtube video here)
by TheHouse7
Thu Dec 14, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: seeking financial advice
Replies: 16
Views: 1090

Re: seeking financial advice

Focus on what you have control over. You want to buy low? Your going to need a meaningful crash. If your worried about a major correction at this point in your accumulation phase, you must think you can market time (you can't). Focus on paying off the mortgage early and then you won't feel so bad pu...
by TheHouse7
Wed Dec 13, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 25
Views: 3626

Re: TurboTax Prices

My father in law buys Turbo Tax at Costco every year and let's his children use it. There are enough licenses that I was even able to use it before we got married. Still have to pay to file state taxes, but it saves us a few bucks each year. For those without such a father in law, perhaps there is ...
by TheHouse7
Wed Dec 13, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions - Spouse is Employee
Replies: 37
Views: 2607

Re: Edward Jones Guided Solutions - Spouse is Employee

This sounds really weird, and there is no way I would put up with that for an extended period of time(more than 3 years). Respect your wife and make a game plan you can both stick to. P.s. before I became a boglehead, my DW set me up with a U.S. Bank advisor, needless to say I couldn't stop myself f...
by TheHouse7
Wed Dec 13, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: ESPP - Would you participate and what's your strategy
Replies: 24
Views: 1589

Re: ESPP - Would you participate and what's your strategy

Yes, buy 6k per year max, sell everything every 3 months.
by TheHouse7
Wed Dec 13, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 8091

Re: 2018 financial goals - what are yours?

Max hsa
Max 401kx1
Max Roth x2

Pay tax, keep DW happy.
by TheHouse7
Wed Dec 13, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 41
Views: 2796

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

DCA vs Lump sum has been extensively studied.

Lump sum asap if you can. Get the most time in the market as possible.
by TheHouse7
Wed Dec 13, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Novel Gift Ideas for Adult Siblings
Replies: 27
Views: 1993

Re: Novel Gift Ideas for Adult Siblings

One of the most fun Christmas I ever had as an adult was watching 3-5 year olds play with us with these: https://www.walmart.com/ip/Marshmallow-Mini-Bow/33359015 https://www.amazon.com/Marshmallow-Fun-Company-1100-Classic/dp/B00077FCT0 (The 3 year old was best at picking up the ammo to eat it all ov...
by TheHouse7
Mon Dec 11, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 80
Views: 7744

Re: Done gone and did it

I have to finalize my pension benefit. The choices are: Lump sum: $534,707.76 Single Life Annuity: $3,376.15 I'm single, so no beneficiary option. Running SPIA calculators, they come up with about $2500/month for that lump. I think the annuity makes the most sense. I have a substantial "lump sum" i...
by TheHouse7
Mon Dec 11, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: What cause BH fear about running out of saving though they have big size of asset?
Replies: 27
Views: 1701

Re: What cause BH fear about running out of saving though they have big size of asset?

midareff wrote:
Mon Dec 11, 2017 1:17 pm
There were times in my life I was really, really, poor. I remember them and will made dam sure they don't happen again.
+1
by TheHouse7
Mon Dec 11, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2530

Re: Do girls wear Ninja Turtle character shoes

I thought I could nip this topic in the bud. What a great community! :mrgreen:
by TheHouse7
Sun Dec 10, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 5537

Re: Can we afford to live on one income?

Yes, just do it, the tax savings will be huge.

We just gave up 40k for my DW to stay home with our first.

I am shocked at your cheap child care option.
by TheHouse7
Sun Dec 10, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2530

Re: Do girls wear Ninja Turtle character shoes

Lime green is gender neutral and "toddler" doesn't have gender size differences. Look at the q&a section of the listing. I would get them, they look awesome!
by TheHouse7
Sun Dec 10, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8915

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Routine helps many people because it takes some of the uncertainty and decisions out of life, always eat dinner at 6:30, invest $X a month, have a date with your spouse the third Friday of each month. Problem is when people become so rigid in their routine they can't comfortable go outside of it. B...
by TheHouse7
Sun Dec 10, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: 840 credit score Million dollar farm.. low income cannot get Heloc?
Replies: 64
Views: 4498

Re: 840 credit score Million dollar farm.. low income cannot get Heloc?

If the farm is worth a million dollars, presumably it is producing something? Why does your friend only have 50k of income from his antiques business and no income or cash flow from the farm? I don't think we're getting the whole picture . Besides, with manual underwriting, there will be banks, if ...
by TheHouse7
Sat Dec 09, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 36
Views: 4258

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

Thanks for the steal. I was just dreading TT bill coming up. :beer
by TheHouse7
Sat Dec 09, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 174
Views: 12841

Re: Save all this money, what do you splurge on?

Rockstar energy drinks, SNES classic scalped, new cheese slicers :annoyed
by TheHouse7
Sat Dec 09, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5887

Re: Does this happen to you? Educating friends about personal finance

I'm 30, and had coworkers talk about 401k elections, I kept my mouth shut until one asked me what I do with my 401k. I sent him personally an email with a link to Bogleheads and "if you can" pdf.

He later asked if I could confirm if his elections were "right".

We have never spoken of it since. 8-)
by TheHouse7
Sat Dec 09, 2017 10:02 am
Forum: Local Chapters and Bogleheads Community
Topic: Holiday thanks to Bogleheads. How have they helped you?
Replies: 33
Views: 2675

Re: Holiday thanks to Bogleheads. How have they helped you?

Portfolio stability and the encouragement to stay the course.

Merry Christmas and happy new year. :beer
by TheHouse7
Thu Dec 07, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Gift Giving Strategy for Married Couples
Replies: 20
Views: 1607

Re: Gift Giving Strategy for Married Couples

I don't ask for anything, and she finally got the hint this year, is going to buy a nice night out for the both of us (using both our gift money).
by TheHouse7
Wed Dec 06, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10396

Re: Price of haircut?

Will do good wrote:
Thu Nov 30, 2017 10:08 pm
Wife does the cutting. Free!
+1
by TheHouse7
Wed Dec 06, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5265

Re: Recommended places to live

Skagit Valley,WA

I grew up there. :sharebeer
by TheHouse7
Wed Dec 06, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5770

Re: Mortgage as percentage of take-home pay

We lived with 36% for a short time and I started freaking out. Had to get 10+ ot per week :oops:
by TheHouse7
Wed Dec 06, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Anyone mirror AA acorss multiple accounts ?
Replies: 23
Views: 1564

Re: Anyone mirror AA acorss multiple accounts ?

I mirror across all accounts. My wife and I don't have much, and I want her learn how to rebalance easily before it gets complicated (6-9 accounts.)
by TheHouse7
Fri Dec 01, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: I met my first Retirement Savings goal
Replies: 26
Views: 1998

Re: I met my first Retirement Savings goal

Awesome! My wife and I will reach that at 31&28. Your inspirational :beer
by TheHouse7
Thu Nov 30, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Complete the Bogleheads Transition
Replies: 25
Views: 2745

Re: Help Me Compete the Bogleheads Transition

Welcome to Bogleheads. I would suggest the following allocation for you: 60% US stock 20% International stock 20% US bond 10% bond is a bit too aggressive, so that I have dialed down the risk a bit with 20% bond. I agree with your observation that your REIT allocation at your Roth IRA will shrink r...
by TheHouse7
Wed Nov 29, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 9657

Re: Which crash have you seen it before it is coming?

I see this next crash happening in about 10 years once I'm done accumulating. :twisted:
by TheHouse7
Tue Nov 28, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 133
Views: 12256

Re: Vanguard To Introduce First Actively Managed ETFs With Suite Of Factor Funds

mindboggling wrote:
Tue Nov 28, 2017 11:26 am
Now, we'll all be able to outperform!
Yay I can be average again!
by TheHouse7
Tue Nov 28, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: What would trigger the NEXT market meltdown?
Replies: 19
Views: 1594

Re: What would trigger the NEXT market meltdown?

Crude oil take another solid dip. :D
by TheHouse7
Mon Nov 27, 2017 10:55 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9434

Re: What did you do right?

I spent enough time with my Mom before she passed away from ALS.

Convinced my wife to max tax advantaged space next year.

Enlisted in the Navy.
by TheHouse7
Wed Nov 22, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: ESA with low income
Replies: 0
Views: 132

ESA with low income

I just got done convincing my DW to max tax advantaged accounts for 2018. Our income will be 80k 401k-18,500 Tira-5,500(deductible at our income level???) Roth-5,500 Does an ESA or 529 make sense for our new born? I think we can handle 2k for an ESA, but don't know if it is resonable at our income l...
by TheHouse7
Mon Nov 20, 2017 7:02 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 5114

Re: Jack Bogle, the word's richest man

Watching current youtube of his commentary makes me feel so privileged to see him for what he is, a man, and humble at that.
by TheHouse7
Mon Nov 20, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14097

Re: Dave Ramsey says don't use credit cards, even if you pay them off

I'm part of the 90% that spends more with a credit card. Transactional friction is a real thing, and visa is doing everything possible to remove it.

I enjoy the simplicity of not having additional accounts. (Go months without thinking about credit, other than these treads)
by TheHouse7
Sun Nov 19, 2017 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 12994

Re: The valet smashed my Tesla into a brick wall!

DanMahowny wrote:
Sun Nov 19, 2017 2:22 pm
minimalistmarc wrote:
Sun Nov 19, 2017 9:31 am
The things you own end up owning you. It's only after we've lost everything that we're free to do anything .
+4 (I hope my count is accurate)
+5 (it is :beer )
by TheHouse7
Sat Nov 18, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: mfj tira deduction [Married Filing Jointly, Traditional IRA deduction]
Replies: 4
Views: 230

Re: mfj tira deduction

You are using the wrong chart. See this one since your wife will NOT be covered by a plan at work, but you are. https://www.irs.gov/retirement-plans/plan-participant-employee/2018-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-not-covered-by-a-re...
by TheHouse7
Sat Nov 18, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: mfj tira deduction [Married Filing Jointly, Traditional IRA deduction]
Replies: 4
Views: 230

mfj tira deduction [Married Filing Jointly, Traditional IRA deduction]

Hello fellow bogleheads, For the first time next year my wife will not work. She will not have availability to an employer sponsored retirement plan. https://www.irs.gov/retirement-plans/plan-participant-employee/2018-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contrib...
by TheHouse7
Fri Nov 17, 2017 12:22 am
Forum: Personal Consumer Issues
Topic: Favorite Holiday Recipes
Replies: 48
Views: 4002

Re: Favorite Holiday Recipes

This is a holiday recipe because you should not eat it everyday:

Breakfast sausage, cream cheese, Rotel.

Look it up online if you need more clarification and thank me when you're in heaven.

8-)
by TheHouse7
Thu Nov 16, 2017 1:12 pm
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 46
Views: 5723

Re: Holding VTSAX only

You just opened up the 2 biggest cans of worms on this forum: whether international equity exposure is necessary (and to what degree), and whether 100% equities is appropriate for any investor. I'm younger than you and I wouldn't feel comfortable holding 100% equities, let alone 100% US equities. I...
by TheHouse7
Thu Nov 16, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4809

Re: Fair way to split expenses?

Nothing is "fair". We would pool everything together(tithe) and pay everything nessicary then split extra 50/50. She still has her own checking for Extra (spending money). I laugh about me giving giving my individual up, but she fears I would laugh more at her miscellaneous purchases.
by TheHouse7
Wed Nov 15, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6973

Re: Tipping in living wage state. Redux.

Man, leave it to Bogleheads to make even tipping a massively complicated issue... :happy Some Seattle restaurants have a no tip 'rule'. Go to those places. This has been around a fair amount of time now, at least in Seattle. Have folks, OP, not adjusted yet? Hope some here adopt that rule :) Honest...
by TheHouse7
Mon Nov 13, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 213
Views: 19527

Re: Why NOT make more money?

I don't understand the line of reasoning that you are giving up a year of your life if you continue working. Do all of you work in sweatshops that forbid time off on the weekends, prevent long vacations once or twice a year, and ignore holidays like Thanksgiving and Christmas? It's okay to travel o...
by TheHouse7
Sun Nov 12, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Debt consolidation. Do or Don't?
Replies: 7
Views: 636

Re: Debt consolidation. Do or Don't?

Debt consolidation usually comes by small print/ ripoff tactics.

Get a personal unsecured loan from the bank if needed.
by TheHouse7
Sun Nov 12, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a home mortgage without spouse?
Replies: 43
Views: 2764

Re: Getting a home mortgage without spouse?

You can easily qualify for a better rate without her. I did. She felt bad for not "contributing"???

Never regretted not getting the best loan possible. :mrgreen:
by TheHouse7
Sun Nov 12, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off Home mortgage, partner doubts?
Replies: 40
Views: 3025

Re: Paying off Home mortgage, partner doubts?

Finally, its better to ask for forgiveness then permission. Seriously? Major financial decision that your wife has indicated that she disagrees with? Wow. We’re not supposed to give relationship advice, only financial, so I’ll just say this. Divorce is expensive. 1/2 your networth is more than expe...
by TheHouse7
Wed Nov 08, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: BH Ideal net worth allocation
Replies: 22
Views: 2954

Re: BH Ideal net worth allocation

bubbadog wrote:
Tue Nov 07, 2017 3:12 pm
p0nyboy wrote:
Tue Nov 07, 2017 1:08 pm
Sounds like you're house poor.
He is not house poor, he is young.
Crazy how some can't imagine being on this site when your young :D

Imagine a situation where the housing market is growing much faster than your wage/savings rate.

I wouldn't worry about ideal and save as much as you can.