Search found 98 matches
- Fri Dec 13, 2019 10:43 am
- Forum: Personal Consumer Issues
- Topic: New baby: Should I purchase new car? Tesla?
- Replies: 35
- Views: 1887
Re: New baby: Should I purchase new car? Tesla?
Subaru Ascent is the only option here
- Thu Dec 12, 2019 12:25 pm
- Forum: Personal Consumer Issues
- Topic: Re: Amazon Echo, Alexa, and privacy concerns
- Replies: 41
- Views: 2208
Re: Amazon Echo, Alexa, and privacy concerns
They're selling the Echo dot for $0.99 with a single month of Amazon Music. If that doesn't tell you their biggest concern is just getting in your house I don't know what does.
- Fri Dec 06, 2019 12:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Your credit card debt dies when you die (usually)
- Replies: 128
- Views: 5897
Re: Your credit card debt dies when you die (usually)
So if I don't care about my credit score then why should I ever pay off my credit card beyond the minimum monthly payment? You are conflating different issues. Fist, paying off your credit card does not necessarily improve your credit score, you can have a very high credit score while paying only t...
- Fri Dec 06, 2019 12:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: Your credit card debt dies when you die (usually)
- Replies: 128
- Views: 5897
Re: Your credit card debt dies when you die (usually)
So if I don't care about my credit score then why should I ever pay off my credit card beyond the minimum monthly payment?
- Fri Nov 08, 2019 1:10 pm
- Forum: Personal Consumer Issues
- Topic: Should I Travel ot Ecuador?
- Replies: 49
- Views: 3825
Re: Should I Travel ot Ecuador?
DW and I are scheduled to fly to Ecuador in mid February for a trip to the Galapagos. Apparently there has been some issues there and currently there is a travel advisory due to "civil unrest". I have only sent a small deposit at this point but the full payment is due within three weeks, we do plan...
- Thu Nov 07, 2019 9:18 am
- Forum: Personal Finance (Not Investing)
- Topic: Roth 401k Withdrawal Rules
- Replies: 11
- Views: 565
Re: Roth 401k Withdrawal Rules
401k withdrawal rules are different than Roth IRA withdrawal rules. You can’t withdraw the contributions from the 401k like you can from the Roth. You could take out a loan, but not a fan myself. https://www.investopedia.com/ask/answers/101314/what-are-roth-401k-withdrawal-rules.asp Roth 401(k) Wit...
- Thu Nov 07, 2019 9:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Roth 401k Withdrawal Rules
- Replies: 11
- Views: 565
Re: Roth 401k Withdrawal Rules
Don’t use retirement accounts to save for a house. Your original plan was better. Reduce savings to 15% and save in a savings account. The Roth 401k money would have been retirement savings in name only. The only point of contributing it would be to get the max employer match. But since Roth 401k c...
- Thu Nov 07, 2019 9:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Roth 401k Withdrawal Rules
- Replies: 11
- Views: 565
Re: Roth 401k Withdrawal Rules
Don’t use retirement accounts to save for a house. Your original plan was better. Reduce savings to 15% and save in a savings account. The Roth 401k money would have been retirement savings in name only. The only point of contributing it would be to get the max employer match. But since Roth 401k c...
- Thu Nov 07, 2019 9:15 am
- Forum: Personal Finance (Not Investing)
- Topic: Roth 401k Withdrawal Rules
- Replies: 11
- Views: 565
Re: Roth 401k Withdrawal Rules
Goal Down Payment: $120000 Why do you need such a large down payment? I would not forgo the company match. Max both 401ks if you get a match on the entire contributions. You could use Roth 401k once you've dropped down into the 12% bracket. Max Roth IRA's too, but that is lower priority than 401k m...
- Wed Nov 06, 2019 11:00 am
- Forum: Personal Finance (Not Investing)
- Topic: Roth 401k Withdrawal Rules
- Replies: 11
- Views: 565
Roth 401k Withdrawal Rules
DW and I are at a point where we are ready to begin saving for a down payment. Our plan was always to max out traditional 401k contributions to get to $100k as quickly as possible and then reduce traditional 401k contributions to 20% and redirect savings towards a down payment. Another benefit of ma...
- Mon Sep 16, 2019 9:13 am
- Forum: Personal Consumer Issues
- Topic: Books set in New Zealand/Australia (police procedurals)
- Replies: 21
- Views: 1408
Re: Books set in New Zealand/Australia (police procedurals)
Not a book but you should check out Season 1 of "Top of the Lake". Police procedural set in New Zealand starring Elisabeth Moss (West Wing, Handmaid's Tale) and David Wenham (Lord of the Rings). It's gritty, but it's gooood. What streaming service still carries this series? i believe Hulu has it. Y...
- Fri Sep 13, 2019 12:00 pm
- Forum: Personal Consumer Issues
- Topic: Books set in New Zealand/Australia (police procedurals)
- Replies: 21
- Views: 1408
Re: Books set in New Zealand/Australia (police procedurals)
Not a book but you should check out Season 1 of "Top of the Lake". Police procedural set in New Zealand starring Elisabeth Moss (West Wing, Handmaid's Tale) and David Wenham (Lord of the Rings). It's gritty, but it's gooood.
- Wed Aug 07, 2019 9:10 am
- Forum: Personal Consumer Issues
- Topic: Boston for a few hours with young kids
- Replies: 20
- Views: 1068
Re: Boston for a few hours with young kids
Duck Tour if you want to be outside. If you're okay with inside then definitely the Boston Children's Museum.
- Mon Jul 01, 2019 1:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: What age did you reach 100K networth?
- Replies: 328
- Views: 79311
Re: What age did you reach 100K networth?
Today! (28 y.o.) Our 401k contributions just hit our accounts which put us over the edge. Here's how it breaks down: Cash: $11.2k Taxable Investments: $9.12k His Roth IRA: $4.55k Her Roth IRA: $14.01k His 401(k): $42.28k Her 401(k): $21.45k Total Assets: $102,650 Credit Card 1: $-223 Credit Card 2: ...
- Sat May 04, 2019 2:45 pm
- Forum: Personal Investments
- Topic: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
- Replies: 83
- Views: 6928
Re: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
OP, Why so complicated? If you save 1 year of current annual expense every year, you will be FI in about 20+ years. So, why do you need to think about retirement at retirement age? KlangFool 50% saving rate is a difficult place to start for many people Klang. Far easier to start at 10%-15% and slow...
- Wed Apr 10, 2019 11:51 am
- Forum: Personal Finance (Not Investing)
- Topic: How do 40 year olds decide what they can afford?
- Replies: 85
- Views: 10354
Re: How do 40 year olds decide what they can afford?
Set goals, then set savings parameters to hit those goals, then pay bills, then give a little back, then spend however you want.
- Mon Mar 04, 2019 9:41 am
- Forum: Personal Finance (Not Investing)
- Topic: How Much in Your Emergency Fund And Is It Used?
- Replies: 240
- Views: 37126
Re: How Much in Your Emergency Fund And Is It Used?
12k or 3 months of spending. Used it for the first time ever after a surprisingly high tax bill (5k) after unkowningly under-witholding this year. I'm glad I had it in this instance not because I wouldn't have been able to make the payment without it, but because it would have been a lot harder ment...
- Fri Mar 01, 2019 4:27 pm
- Forum: Personal Consumer Issues
- Topic: Talk me in/out of $35k Tesla Model 3
- Replies: 286
- Views: 22581
Re: Talk me in/out of $35k Tesla Model 3
One thing worth thinking about is car space you will need as your kids get older. Between the Model 3 and your older BMW, will your cars have the space to scale up as the kids get older? Again, making $350k a year with $4m in the bank in your early 40s, you probably don't need to worry about buying ...
- Mon Feb 04, 2019 4:55 pm
- Forum: Personal Consumer Issues
- Topic: Please Help Me Find a Travel Group for My 70-Year-Old Mom
- Replies: 43
- Views: 3637
Re: Please Help Me Find a Travel Group for My 70-Year-Old Mom
Go Ahead Tours would be worth looking at.
- Thu Jan 24, 2019 2:03 pm
- Forum: Personal Consumer Issues
- Topic: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia
- Replies: 55
- Views: 4313
Re: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia
I rely on this website anytime I need to by any gear. Read through the reviews of their top products in any category, decide which one is right for you, buy it, and don't look back.
https://www.outdoorgearlab.com/topics/c ... ski-jacket
https://www.outdoorgearlab.com/topics/c ... ski-jacket
- Wed Nov 28, 2018 2:22 pm
- Forum: Investing - Theory, News & General
- Topic: Do Fidelity Offices/Advisors Add Value?
- Replies: 88
- Views: 7011
Re: Do Fidelity Offices/Advisors Add Value?
It seems like you are happy with Vanguard. Perhaps a solution would be to leave instructions that in the event of your passing, all of you and your wife's assets should transfer to Vanguard Personal Advisor Services. Yes there is the extra advisory fee, but it is very competitive relative to the ind...
- Wed Nov 28, 2018 9:10 am
- Forum: Personal Investments
- Topic: Asset Allocation and Rebalancing - Help Me Math
- Replies: 5
- Views: 579
Re: Asset Allocation and Rebalancing - Help Me Math
Thanks for the responses folks. Exactly what I was looking for!
- Tue Nov 27, 2018 5:36 pm
- Forum: Personal Investments
- Topic: Asset Allocation and Rebalancing - Help Me Math
- Replies: 5
- Views: 579
Asset Allocation and Rebalancing - Help Me Math
I'm preparing to up my game in 2019 by saving 50% of our income and holding as few funds as possible. I've sat staring at spreadsheets for hours and just can't figure out how to do this rebalance so I'm coming to Bogleheads to save me from myself. Your input is much appreciated Emergency funds: Thre...
- Tue Nov 27, 2018 4:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Financial goals for 2019 (specific)
- Replies: 83
- Views: 8366
Re: Financial goals for 2019 (specific)
Save 50% of pre-tax income (not including bonus)
1. Max both 401k's
2. Max both rIRA's
3. $750 to taxable
4. Any bonus/gifts/tax refund goes straight into down payment savings account
1. Max both 401k's
2. Max both rIRA's
3. $750 to taxable
4. Any bonus/gifts/tax refund goes straight into down payment savings account
- Wed Oct 24, 2018 1:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Wealthfront to offer "Path" for free to the public
- Replies: 6
- Views: 1854
Wealthfront to offer "Path" for free to the public
https://www.reuters.com/article/us-wealthfront-advice/wealthfront-to-offer-automated-financial-planning-tool-for-free-idUSKCN1MX30N I am excited about this announcement. I've heard really great things about Path but have always been disappointed not to gain access to it because I am unwilling to tru...
- Wed Oct 24, 2018 1:27 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Swedroe: Why International Diversification Works
- Replies: 119
- Views: 10551
Re: Larry Swedroe: Why International Diversification Works
So basically what we're saying here is VT is the way to go for the equity portion of a portfolio?
- Thu Sep 27, 2018 7:53 am
- Forum: Personal Consumer Issues
- Topic: Good flip flops
- Replies: 46
- Views: 3765
- Mon Sep 10, 2018 12:53 pm
- Forum: Personal Consumer Issues
- Topic: Can Sneakers go with Business Casual?
- Replies: 172
- Views: 10290
Re: Can Sneakers go with Business Casual?
Absolutely. I do it all the time at my office. My go to shoe for this purpose is the New Balance Fresh Foam Cruz. This is a running shoe, but I think it looks great, especially with narrower pants that are hemmed correctly. Another popular shoe, especially in casual offices on Wall Street (I have r...
- Mon Sep 10, 2018 10:34 am
- Forum: Personal Consumer Issues
- Topic: Can Sneakers go with Business Casual?
- Replies: 172
- Views: 10290
Re: Can Sneakers go with Business Casual?
Absolutely. I do it all the time at my office. My go to shoe for this purpose is the New Balance Fresh Foam Cruz. This is a running shoe, but I think it looks great, especially with narrower pants that are hemmed correctly. Another popular shoe, especially in casual offices on Wall Street (I have re...
- Fri Sep 07, 2018 3:07 pm
- Forum: Personal Consumer Issues
- Topic: Bike computer or Apple Watch?
- Replies: 49
- Views: 7281
Re: Bike computer or Apple Watch?
Garmin Fenix 3HR or Garmin Fenix 5. MUCH longer battery life than Apple Watch, far more durable, and (I personally feel) much better looking than the Apple Watch. My cyclist friends either ride with it on their risk or a few of them attach it to the handle bar and wear a Garmin chest strap to monito...
- Fri Aug 10, 2018 11:28 am
- Forum: Investing - Theory, News & General
- Topic: The Bigger Story: Fidelity Expense Ratios
- Replies: 98
- Views: 12073
Re: The Bigger Story: Fidelity Expense Ratios
Don't the relative tax inefficiencies of Fidelity's funds (at least FSTVX) when compared to their most comparable Vanguard funds end up cancelling out the lower fees? I don't have total understanding of this but I thought that was the information I had seen. I could be wrong.
- Tue Aug 07, 2018 7:22 pm
- Forum: Personal Investments
- Topic: Financial Checkup
- Replies: 10
- Views: 1659
Re: Financial Checkup
You can approximately recreate FNSBX with the available funds as follows: 10% FSITX 30% FSIVX 12% FSEVX 48% FUSVX This is exactly what I do. It is significantly cheaper and because it is made up of purely passive index funds it is superior. I suggest making this shift asap. As time goes on you can a...
- Mon Aug 06, 2018 6:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best way to lose $200 in taxable income?
- Replies: 96
- Views: 7791
Re: Best way to lose $200 in taxable income?
penny stocks
- Mon Aug 06, 2018 6:35 am
- Forum: Personal Investments
- Topic: Apple Stock
- Replies: 13
- Views: 1965
Re: Apple Stock
I own 4 stocks that I picked up within a portfolio of other stocks I inherited. I enjoy the idea of owning them because I like the companies and it gives me a weird thrill. They don't make up a huge a part of my portfolio, nor do I want them to, but I do like having them. They are AAPL, MSFT, V, NVD...
- Fri Aug 03, 2018 7:56 am
- Forum: Personal Consumer Issues
- Topic: best place to hide a key
- Replies: 63
- Views: 5363
Re: best place to hide a key
the best place to hide a key is anywhere other than the places recommended to you by people ON THE INTERNET 

- Fri Aug 03, 2018 7:16 am
- Forum: Personal Consumer Issues
- Topic: most compelling TV character ever
- Replies: 260
- Views: 28232
Re: most compelling TV character ever
Dwight Schrute is the single greatest TV character ever created.
- Thu Aug 02, 2018 3:41 pm
- Forum: Investing - Theory, News & General
- Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
- Replies: 807
- Views: 92356
Fidelity to Offer No-Fee Index Funds
https://www.foxbusiness.com/markets/fidelity-to-launch-no-fee-index-funds This is an interesting move to me. I'm sure Schwab will probably do the same thing soon but I'm wondering if Vanguard will also follow suit. I'm also curious to see if these funds would be available to add to a 401k portfolio ...
- Thu Aug 02, 2018 9:41 am
- Forum: Personal Consumer Issues
- Topic: weekender bag?
- Replies: 30
- Views: 2981
- Thu Aug 02, 2018 9:09 am
- Forum: Personal Finance (Not Investing)
- Topic: How to Start CC Churning
- Replies: 33
- Views: 4900
Re: How to Start CC Churning
Chase Sapphire Reserve for Travel and Dining (plus perks like $300 travel stipend, lounge access, and Global Entry refund) 3x points/$450 annual fee Chase Freedom for bonus categories 5x points/$0 annual fee Chase Freedom Unlimited for everything else 1.5x points/$o annual fee If you're feeling a li...
- Tue Jul 31, 2018 8:47 pm
- Forum: Investing - Theory, News & General
- Topic: Invest in Tesla?
- Replies: 330
- Views: 28846
Re: Invest in Tesla?
**checks url, makes sure he's not in reddit**
- Mon Jul 30, 2018 3:02 pm
- Forum: Personal Consumer Issues
- Topic: New Study: Public vs. Private Schools
- Replies: 4
- Views: 1255
Re: New Study: Public vs. Private Schools
Assuming the school is safe I would tend to think that work ethic of the individual student (and strength of family support) is far more important than the "quality" of the school. This coming from someone who spent a few years teaching at a private high school.
- Mon Jul 30, 2018 12:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: Realities of Early Retirement Model (FIRE)?
- Replies: 96
- Views: 10549
Re: Realities of Early Retirement Model (FIRE)?
4. Passive Income -- most folks in the article are making money from their blogs promoting the early retirement lifestyle with ad clicks....assuming other people copy this blog model, this passive income area will be crowded and saturated...it's not easy making money off passive income. Savings rat...
- Fri Jul 27, 2018 3:43 pm
- Forum: Investing - Theory, News & General
- Topic: Passive Index Investing, A Bubble Bound To Burst?
- Replies: 115
- Views: 13343
Re: Passive Index Investing, A Bubble Bound To Burst?
It feels like these posts have happened a lot this week
- Thu Jul 19, 2018 2:08 pm
- Forum: Personal Investments
- Topic: Selling Fractional Shares after a Transfer
- Replies: 9
- Views: 1237
Re: Selling Fractional Shares after a Transfer
I've had fractional shares get stuck at Schwab before. Usually a call to Schwab customer service will get them liquidated into cash for you, at no commission. If they try to charge commission, then make a claim under the Schwab 100% client satisfaction guarantee they offer. this is what i was looki...
- Thu Jul 19, 2018 11:08 am
- Forum: Personal Investments
- Topic: Selling Fractional Shares after a Transfer
- Replies: 9
- Views: 1237
Re: Selling Fractional Shares after a Transfer
I often find Bogleheads to have better customer service for these places than the places themselves!
- Thu Jul 19, 2018 10:52 am
- Forum: Personal Investments
- Topic: Selling Fractional Shares after a Transfer
- Replies: 9
- Views: 1237
Selling Fractional Shares after a Transfer
Hi All, Looking to see if anybody has experience I can draw on here. I just completed a taxable brokerage transfer from Schwab to Vanguard. Vanguard transferred all of my holdings over but left the fractional shares behind (for example I have .20 shares of Apple still at Schwab). I tried to go to my...
- Wed Jul 04, 2018 7:40 am
- Forum: Personal Investments
- Topic: 33 year old- How am I doing?
- Replies: 22
- Views: 2522
Re: 33 year old- How am I doing?
Stop mixing target dates in with other investments. Either go with the target dates... or pick a mix of funds that fits your asset allocation
- Tue Jul 03, 2018 8:57 am
- Forum: Personal Investments
- Topic: Newbie here needing portfolio review
- Replies: 18
- Views: 1639
Re: Newbie here needing portfolio review
It may be a good idea to transfer everything over to Vanguard in-kind and then sign up for Vanguard Personal Advisor Services. They can help you work through simplifying your portfolio (or at least optimizing it) while you take time to get to understand the DIY three fund approach a bit better. Then...
- Wed Jun 20, 2018 8:29 am
- Forum: Personal Investments
- Topic: 26yrs old and need startup advice
- Replies: 14
- Views: 1671
Re: 26yrs old and need startup advice
It's hard to give advice without knowing what funds are available to you in your 401k but I'm going to try: 1. Contribute whatever it takes to get the company match in your 401k a. Most likely your 401k has an S&P 500 index fund and a Total International Index Fund available. Make sure they are Inde...
- Tue Jun 19, 2018 8:28 am
- Forum: Personal Consumer Issues
- Topic: Article on hotel booking sites - no bargains
- Replies: 38
- Views: 4511
Re: Article on hotel booking sites - no bargains
I always used to book directly with the hotel. However, hotels.com and Capital One partnered up to offer 10x points to Venture Card holders for any reservation made through their site. Needless to say this was a good enough deal to get me to use hotels.com...