Search found 110 matches

by FIBoston
Tue Feb 23, 2021 10:58 am
Forum: Investing - Theory, News & General
Topic: Tracking my ARK / Bitcoin - non-Boglehead portfolio
Replies: 161
Views: 11899

Re: Tracking my ARK / Bitcoin - non-Boglehead portfolio

HomerJ wrote: Sat Jan 23, 2021 11:55 pm I think you need to read some of the recommended Boglehead books and maybe the wiki. You say you're all about learning. If that's true, try learning some of the principles of this site, and see what you think.
Boy - this thread really has triggered some people.
by FIBoston
Mon Feb 22, 2021 11:00 am
Forum: Investing - Theory, News & General
Topic: If you bought Bitcoin, when do you plan to sell?
Replies: 396
Views: 30096

Re: If you bought Bitcoin, when do you plan to sell?

I'll probably sell somewhere between $500,000 and $1,000,000 if it helps me get to enough cash for a major purchase I want to make. Based on the monthly BTC purchase I make of Bitcoin (5% of total monthly savings) that range represents the point at which I will need the money. While I think Bitcoin ...
by FIBoston
Wed Jan 27, 2021 11:20 am
Forum: Investing - Theory, News & General
Topic: Brokerage outages
Replies: 96
Views: 1437

Re: Vanguard website issues... again?

The problems began for me this morning right at market open. I'm pretty sure this is related to the GameStop stock movement. Vanguard needs to up their IT game.
by FIBoston
Tue Jan 19, 2021 3:21 pm
Forum: Investing - Theory, News & General
Topic: Tracking my ARK / Bitcoin - non-Boglehead portfolio
Replies: 161
Views: 11899

Re: Tracking my ARK / Bitcoin - non-Boglehead portfolio

I'm using ARKG, ARKF, TSLA, BTC, ETH and a few other stocks to super charge my taxable savings this year to try to get to enough money for a down payment faster than I could have otherwise. The flow of money into people's pockets that will come this year from the government makes this attractive to ...
by FIBoston
Fri Jan 15, 2021 11:07 am
Forum: Personal Consumer Issues
Topic: Apple's Using Up All My Data !
Replies: 46
Views: 4148

Re: Apple's Using Up All My Data !

Turning off background app refresh on all the apps is a good idea. This is what I did and my data usage plummeted. On my previous iPhones this was already turned off, but for some reason when I upgraded to the iPhone 12 it was turned on for every single app.
by FIBoston
Fri Jan 08, 2021 3:48 pm
Forum: Personal Investments
Topic: Should I sell my Tesla [stock] now or wait?
Replies: 43
Views: 2534

Re: Should I sell my Tesla [stock] now or wait?

Tesla was selling for about 250 to 350 until about December of 2019, then it jumped to about $1,500 by August 2020 when it did a 5 for 1 stock split, $300 after the split. When I heard about the pending split, I bought mine on August 8 for $15,010 a share, $302 after the split. As I write this in t...
by FIBoston
Thu Dec 10, 2020 4:59 pm
Forum: Investing - Theory, News & General
Topic: TESLA Valuation
Replies: 111
Views: 7095

Re: TESLA Valuation

At the point that people understand that Tesla is just another car company, the value will re-align with reality......and earnings. Tesla isn't just another car company though... energy storage, energy generation, auto manufacturing, home energy, software. Not to mention future possibilities like r...
by FIBoston
Wed Nov 11, 2020 12:02 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin: What is it, in Plain English
Replies: 313
Views: 40479

Re: Bitcoin: What is it, in Plain English

Here's Ark-Invest's two White Papers on Bitcoin. I think they provide a pretty good description of what it actually is as well as their case for why it is a solid investment. I'm personally am not sure on it either way, but the tone of a few of the answers you've gotten so far indicate that a lot of...
by FIBoston
Thu Mar 05, 2020 5:03 pm
Forum: Personal Investments
Topic: Invested in 100% Stocks for 401k. Is it time to move those funds to more conservative fund?
Replies: 31
Views: 1535

Re: Invested in 100% Stocks for 401k. Is it time to move those funds to more conservative fund?

What exactly are you actually losing right now? You're 29 and not accessing those funds anytime soon. For now it's just all numbers. Don't sell, that would be dumb.

Selling now guarantees a loss. If anything it's time to buy more.
by FIBoston
Wed Feb 26, 2020 11:06 am
Forum: Non-US Investing
Topic: How to Move to Switzerland and Still be a Boglehead
Replies: 18
Views: 3001

Re: How to Move to Switzerland and Still be a Boglehead

Just came back around to this thread. Thanks everybody for the feedback!
by FIBoston
Thu Feb 13, 2020 5:17 pm
Forum: Non-US Investing
Topic: How to Move to Switzerland and Still be a Boglehead
Replies: 18
Views: 3001

How to Move to Switzerland and Still be a Boglehead

Hi Bogleheads, I'm making a move to Zurich later this year (sometime between October and December depending on my employer). I've been researching hard and am starting to put things together, but it's not easy to understand everything. I'm wondering if there's anybody here who has moved from the US ...
by FIBoston
Mon Jan 20, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Time to get a bearded dragon?!
Replies: 57
Views: 4793

Re: Time to get a bearded dragon?!

jakepeters wrote: Sun Jan 19, 2020 10:54 pm
DiamondplateDave wrote: Sun Jan 19, 2020 10:15 pm Do it! You can tell people you're married to "the Dragon Lady".
I was thinking "the bearded dragon lady."

:)

JP
**Mother of Dragons
by FIBoston
Fri Dec 13, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: New baby: Should I purchase new car? Tesla?
Replies: 39
Views: 2932

Re: New baby: Should I purchase new car? Tesla?

Subaru Ascent is the only option here
by FIBoston
Thu Dec 12, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Re: Amazon Echo, Alexa, and privacy concerns
Replies: 41
Views: 2688

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.
by FIBoston
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: 11663

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...
by FIBoston
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: 11663

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?
by FIBoston
Fri Nov 08, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Should I Travel ot Ecuador?
Replies: 51
Views: 4790

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, ...
by FIBoston
Thu Nov 07, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Withdrawal Rules
Replies: 11
Views: 671

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...
by FIBoston
Thu Nov 07, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Withdrawal Rules
Replies: 11
Views: 671

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...
by FIBoston
Thu Nov 07, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Withdrawal Rules
Replies: 11
Views: 671

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...
by FIBoston
Thu Nov 07, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Withdrawal Rules
Replies: 11
Views: 671

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...
by FIBoston
Wed Nov 06, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Withdrawal Rules
Replies: 11
Views: 671

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...
by FIBoston
Mon Sep 16, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Books set in New Zealand/Australia (police procedurals)
Replies: 21
Views: 1551

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...
by FIBoston
Fri Sep 13, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Books set in New Zealand/Australia (police procedurals)
Replies: 21
Views: 1551

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.
by FIBoston
Wed Aug 07, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Boston for a few hours with young kids
Replies: 20
Views: 1185

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.
by FIBoston
Mon Jul 01, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 95367

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: ...
by FIBoston
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: 7255

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...
by FIBoston
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: 10655

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.
by FIBoston
Mon Mar 04, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 263
Views: 42323

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...
by FIBoston
Fri Mar 01, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 25943

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 ...
by FIBoston
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: 3801

Re: Please Help Me Find a Travel Group for My 70-Year-Old Mom

Go Ahead Tours would be worth looking at.
by FIBoston
Thu Jan 24, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia
Replies: 55
Views: 5395

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
by FIBoston
Wed Nov 28, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 7539

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...
by FIBoston
Wed Nov 28, 2018 9:10 am
Forum: Personal Investments
Topic: Asset Allocation and Rebalancing - Help Me Math
Replies: 5
Views: 628

Re: Asset Allocation and Rebalancing - Help Me Math

Thanks for the responses folks. Exactly what I was looking for!
by FIBoston
Tue Nov 27, 2018 5:36 pm
Forum: Personal Investments
Topic: Asset Allocation and Rebalancing - Help Me Math
Replies: 5
Views: 628

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...
by FIBoston
Tue Nov 27, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 86
Views: 8989

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
by FIBoston
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: 1921

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...
by FIBoston
Wed Oct 24, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 11064

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?
by FIBoston
Thu Sep 27, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3967

Re: Good flip flops

by FIBoston
Mon Sep 10, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 11540

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...
by FIBoston
Mon Sep 10, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 11540

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...
by FIBoston
Fri Sep 07, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 9134

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...
by FIBoston
Fri Aug 10, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 98
Views: 12837

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.
by FIBoston
Tue Aug 07, 2018 7:22 pm
Forum: Personal Investments
Topic: Financial Checkup
Replies: 10
Views: 1727

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...
by FIBoston
Mon Aug 06, 2018 6:35 am
Forum: Personal Investments
Topic: Apple Stock
Replies: 13
Views: 2082

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...
by FIBoston
Fri Aug 03, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 5532

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 :oops:
by FIBoston
Fri Aug 03, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 29438

Re: most compelling TV character ever

Dwight Schrute is the single greatest TV character ever created.
by FIBoston
Thu Aug 02, 2018 3:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 98884

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 ...