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FIBoston

Subaru Ascent is the only option here

FIBoston

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.

FIBoston

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...

FIBoston

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?

FIBoston

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...

FIBoston

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...

FIBoston

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...

FIBoston

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...

FIBoston

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...

FIBoston

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...

FIBoston

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...

FIBoston

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.

FIBoston

Duck Tour if you want to be outside. If you're okay with inside then definitely the Boston Children's Museum.

FIBoston

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: ...

FIBoston

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...

FIBoston

Set goals, then set savings parameters to hit those goals, then pay bills, then give a little back, then spend however you want.

FIBoston

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...

FIBoston

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 ...

FIBoston

Go Ahead Tours would be worth looking at.

FIBoston

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

FIBoston

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...

FIBoston

Thanks for the responses folks. Exactly what I was looking for!

FIBoston

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...

FIBoston

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

FIBoston

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...

FIBoston

So basically what we're saying here is VT is the way to go for the equity portion of a portfolio?

FIBoston

Rainbow

https://www.rainbowsandals.com/

FIBoston

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...

FIBoston

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...

FIBoston

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...

FIBoston

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.

FIBoston

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...

FIBoston

penny stocks

FIBoston

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...

FIBoston

the best place to hide a key is anywhere other than the places recommended to you by people ON THE INTERNET

FIBoston

Dwight Schrute is the single greatest TV character ever created.

FIBoston

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 ...

FIBoston

https://www.awaytravel.com/travel-bags/ ... lack-nylon

FIBoston

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...

FIBoston

**checks url, makes sure he's not in reddit**

FIBoston

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.

FIBoston

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...

FIBoston

It feels like these posts have happened a lot this week

FIBoston

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...

FIBoston

livesoft wrote: ↑
Thu Jul 19, 2018 10:54 am
I would call Schwab instead of posting on bogleheads first. Then I would tell everyone on bogleheads.org how to do it based on what Schwab did for me.

What has the world come to?

I often find Bogleheads to have better customer service for these places than the places themselves!

FIBoston

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...

FIBoston

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

FIBoston

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...

FIBoston

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...

FIBoston

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...

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