Search found 98 matches

by FIBoston
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
by FIBoston
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.
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: 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...
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: 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?
by FIBoston
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...
by FIBoston
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...
by FIBoston
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...
by FIBoston
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...
by FIBoston
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...
by FIBoston
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...
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: 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...
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: 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.
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: 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.
by FIBoston
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: ...
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: 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...
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: 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.
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: 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...
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: 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 ...
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: 3637

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: 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
by FIBoston
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...
by FIBoston
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!
by FIBoston
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...
by FIBoston
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
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: 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...
by FIBoston
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?
by FIBoston
Thu Sep 27, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3765

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: 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...
by FIBoston
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...
by FIBoston
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...
by FIBoston
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.
by FIBoston
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...
by FIBoston
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...
by FIBoston
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 :oops:
by FIBoston
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.
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: 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 ...
by FIBoston
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...
by FIBoston
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**
by FIBoston
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.
by FIBoston
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...
by FIBoston
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
by FIBoston
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...
by FIBoston
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

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!
by FIBoston
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...
by FIBoston
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
by FIBoston
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...
by FIBoston
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...
by FIBoston
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...