Search found 133 matches

by 2m2037
Fri Jan 12, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?
Replies: 55
Views: 6595

Re: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?

I've done some math and it looks like the portfolios put me at: 1/4 W, 1/4 GW, 1/4 U, 1/4 I: I Stocks U Stocks Bonds 0.3125 0.3875 0.3 1/2 W, 1/2 U, 1/2 I: I Stocks U Stocks Bonds 0.275 0.425 0.3 And my current: 1/3 W, 1/3 U, 1/3 I: I Stocks U Stocks Bonds 0.349965 0.449955 0.19998 Here is the char...
by 2m2037
Thu Jan 11, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?
Replies: 55
Views: 6595

Re: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?

Subscribing to this thread. I've always wanted to live in Bangkok and am interested in finding out more about living expenses and how the OP is planning on swinging it.
by 2m2037
Thu Jan 11, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 68
Views: 3539

Poll: BHs who rent - what % of gross do you spend on rent?

What % of gross income (combined) do you pay for rent? Just curious. 10%? 15%? 20%?
by 2m2037
Tue Jan 09, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 863

Re: Advice sought: can/should we pay for a bigger rental place?

Pretty sure this is not a forum for criticizing other people's handling of their pets. And if I had a dollar for every nut in my building who's complained about kids playing with a ball on the sidewalk or a dog wagging its tail at him, I wouldn't be on bogleheads. OP - sounds like the right move, a...
by 2m2037
Tue Jan 09, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 863

Re: Advice sought: can/should we pay for a bigger rental place?

Go ahead and move, it's not that much money. But do you really want parents living with you in a 2 bedroom apartment for 6 months? Also a small place really makes you reconsider every piece of junk you consider buying for the baby. To the people saying OP should move because of the dog, would you r...
by 2m2037
Tue Jan 09, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 863

Re: Advice sought: can/should we pay for a bigger rental place?

During these times he may yelp for the entire time we are out, or for a couple hours before going to sleep. No wonder the neighbors are upset and your dog must be miserable, too. Yes; sometimes he sleeps within 10 minutes of us leaving but oftentimes he doesn't stop for a couple hours till he wears...
by 2m2037
Tue Jan 09, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 863

Re: Advice sought: can/should we pay for a bigger rental place?

Hi all, thanks for the responses. To clarify, dog does not bark when we are at work. He is used to us leaving at 8am and reaching home at 6pm. He sometimes gets anxious if we leave the house in the middle of the day (on weekends), or In the evenings when we go out for dinner. During these times he m...
by 2m2037
Tue Jan 09, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 863

Re: Advice sought: can/should we pay for a bigger rental place?

Thanks for the replies, everyone. I agree with your rationale for moving to a larger home. In regards to your financial standing, I think the biggest question isn't whether you can afford the extra $700 per month in rent (it sounds like you certainly can), but the added cost of having a child in the...
by 2m2037
Tue Jan 09, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 863

Advice sought: can/should we pay for a bigger rental place?

Based on below factors and our financial standing, should we? I feel that we should be squeezing every penny while we're younger and can bear with the discomfort, but at some point that's got to change. Have we reached that point or no? All thoughts appreciated; thanks in advance :beer Current place...
by 2m2037
Fri Dec 22, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidation of Vanguard accounts after getting married
Replies: 10
Views: 728

Re: Consolidation of Vanguard accounts after getting married

Well, an update for anyone who might have the same question in the future. I called Vanguard and they advised that if it was an exchange from one fund under my personal account to the identical fund in the joint account, it wouldn't be considered a sale and purchase and wouldn't be considered a taxa...
by 2m2037
Fri Dec 22, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidation of Vanguard accounts after getting married
Replies: 10
Views: 728

Re: Consolidation of Vanguard accounts after getting married

Congratulations on your marriage. May there be many years of happiness! Have you considered what should happen to the accounts in the event of one or both of you passing? Since the accounts are at Vanguard, you may find that your transfer on death (TOD) options may be limited for a joint account. S...
by 2m2037
Fri Dec 22, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidation of Vanguard accounts after getting married
Replies: 10
Views: 728

Re: Consolidation of Vanguard accounts after getting married

Thanks for the responses all. Call me naive, but I respectfully submit that beginning a relationship/marriage with optimism is half the battle won. In any case, DW and I have discussed the merits/cons of joint finances and we've reached a comfortable decision as to the financial framework of our mar...
by 2m2037
Fri Dec 22, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Consolidation of Vanguard accounts after getting married
Replies: 10
Views: 728

Consolidation of Vanguard accounts after getting married

Hello. (To make this concise) About 8 months ago I started on my personal 3-fund portfolio journey. Half a year later, I set up a joint account for my wife (then fiancee) and I with the aim of incorporating the 3-fund theory into our joint finances as well. At this point I have in my personal accoun...
by 2m2037
Sun Nov 26, 2017 4:24 am
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 3950

Re: Car Lease Gotchas

Cost of tires on a lease shouldn't be a factor. If an inspector deems that there is no meat left on the tires of your lease return, he would probably have that same report on a car you own. It's not like you need to return a leased vehicle with at least 50% life left on the tires... :mrgreen: It's ...
by 2m2037
Wed Nov 22, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 3950

Re: Car Lease Gotchas

Cost of tires on a lease shouldn't be a factor. If an inspector deems that there is no meat left on the tires of your lease return, he would probably have that same report on a car you own. It's not like you need to return a leased vehicle with at least 50% life left on the tires... :mrgreen: It's n...
by 2m2037
Wed Nov 22, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 3950

Re: Car Lease Gotchas

Thanks everyone for the great replies! It was good to read through this - especially Watty's reply. I think if we didn't have kids - a lease might not be a bad idea - but the nay-sayers are right a bit - I can't count how many times my children have chucked stuff at our car. When I look at our pres...
by 2m2037
Wed Nov 22, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 3950

Re: Car Lease Gotchas

Can someone tell me some things to look out for in leasing a car? In addition to all the financial problems a huge potential problem is what happens if the car is in an accident and repaired or totaled while you have it. If the car is totaled when it is a year old the replacement cost of the car th...
by 2m2037
Wed Nov 22, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 3950

Re: Car Lease Gotchas

I have owned cars and leased cars. In my experience I care MUCH less about minor dings and scratches on a lease than my own car. That is fair. So you just didn't care about getting dinged for additional fees when you turned the car in with issues? At one point my wife scuffed up the corner of the r...
by 2m2037
Mon Nov 20, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Voluntary life insurance - how much?
Replies: 10
Views: 1027

Re: Voluntary life insurance - how much?

Thanks for your thoughts, everyone!
by 2m2037
Fri Nov 17, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Voluntary life insurance - how much?
Replies: 10
Views: 1027

Voluntary life insurance - how much?

It's open enrollment period at work and we have the option of purchasing voluntary life insurance at $0.79/month for $10K coverage all the way up to $59.25/month for $750K coverage.

How much would you choose and why? What factors would you consider when making your decision?
by 2m2037
Thu Nov 16, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 5147

Re: Fair way to split expenses?

A paycheck or other income is only one way of contributing to the family finances. I'm glad that my partner recognizes my other contributions. Because of our differing jobs, I have more ability to save in tax-deferred, since I can contribute to both a 403(b) and 457. So there are times that I got l...
by 2m2037
Wed Nov 15, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 5147

Re: Fair way to split expenses?

I recommend a free app called SplitWise, which is designed to track this effortlessly. There's no need for a joint account, as you can periodically settle the balance, and record it in the app. Keep it simple. https://www.splitwise.com/ We've used this on road trips with friends, but to use this ev...
by 2m2037
Tue Nov 14, 2017 1:30 am
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 35
Views: 2923

Re: places to live near Stanford University

If you end up buying a place for 500k near stanford, let me know and I'll have two of those please. :D
by 2m2037
Fri Nov 03, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5955

Re: New Car: Ever make sense to lease?

Who (and how) is paying for the added costs if leasing is financially beneficial? It's not that simple... Manufacturers (such as BMW) subsidize the residual on the lease in many cases, thus making the terms attractive to the customer. There is something in it for the manufacturers - they don't do i...
by 2m2037
Fri Nov 03, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5955

Re: New Car: Ever make sense to lease?

I have friends with V6s who spend close to $150/month in gas alone for less miles traveled. Factor in maintenance and depreciation and I think I'll come out way ahead. How is your low cost of fuel in any way related to a lease? Wouldn;t it be the same for a purchased/owned (possibly financed) car? ...
by 2m2037
Thu Nov 02, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Lease New Car?
Replies: 38
Views: 4638

Re: Lease New Car?

Using a very simple example - if I have $30,000 cash today, should I be buying a $30,000 car and selling after 3 years or leasing for 3 years? Buy method Pay $30,000 up front. Drive for 3 years Sell for $15,000. Depreciation cost = $15,000 Lease method Pay $0 up front. Put $30,000 in Ally Savings a...
by 2m2037
Wed Nov 01, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Volvo "Overseas Delivery"
Replies: 14
Views: 2021

Re: Volvo "Overseas Delivery"

sunny_socal, did you go through with it? Not yet, but still hoping/planning. The only reason this remains attractive is that we're doing a big 2-3W Euro vacation next year anyway and having our own car would add to the experience. It's rather un-Boglehead:ish for the following reasons: - It's a New...
by 2m2037
Wed Nov 01, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5955

Re: New Car: Ever make sense to lease?

I am paying $180.55/month with $0 down for a 36mth/36k mile lease of a 2017 Chevy Volt with a few options over the base trim. This figure is post all rebates available. This works out to be $2,167 a year. I get to charge my car for free at work, and I can probably go a couple of days on a full charg...
by 2m2037
Wed Nov 01, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5955

Re: New Car: Ever make sense to lease?

I have a family member with an irrational phobia of cars that have more than 50,000 miles. They were buying new cars every 3 years as soon as the old car was just about to hit 50,000 and they would sell the car to the dealership as a trade in. I mentioned that they should probably consider a lease....
by 2m2037
Mon Oct 30, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 5008

Re: Interesting twist to "Free 2-day shipping" at Walmart

I was just getting ready to place an order online at Walmart.com when I noticed that the item I was ordering had two prices. Price #1 ($6.64) when shipped "FREE 2DAY SHIPPING" to my door, and Price #2 ($5.56) for "Free Pickup at the Store". As it turns out, Price #2 is the regular price at the Walm...
by 2m2037
Fri Sep 29, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4672

Re: Two year lease vs Buy and hold 10 years. A wash?

Title: Compare 2 year lease vs buy and hold for 10 years. You: Compared 5x 2year lease vs buy and hold for 10 years. Me: Compared 2 year lease vs buy and hold for 2 years. I guess you didn't read the title of the post OR its contents. In his first post, the OP specifically states... "$250/month sig...
by 2m2037
Fri Sep 29, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 12670

Re: The Rolex and The Boglehead

Happy Friday everyone!

Image
by 2m2037
Thu Sep 28, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4672

Re: Two year lease vs Buy and hold 10 years. A wash?

You shouldn't extrapolate the 2-year lease 5x. What you need to do instead is compare the 2 year lease vs buying a $27K car and selling it after 2 years. No, that is NOT the comparison the OP made and requested feedback for. Did you read the title of this post? "Two year lease vs Buy and hold 10 ye...
by 2m2037
Thu Sep 28, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4672

Re: Two year lease vs Buy and hold 10 years. A wash?

I think shopping for super low/deal/pick the best/lease hacker type deals could come out ahead. I'm not seeing how you come to this conclusion. The OP presumably got a "super low/deal/pick the best/lease hacker" type lease deal you refer to. In fact, he states... "this special is very good for me b...
by 2m2037
Thu Sep 28, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 12670

Re: The Rolex and The Boglehead

I paid $7,500 for a Rolex 2 years ago, and sold it a year later at $8,300. That is something I would never have been able to do with a Timex. Why would you pay $20 for a Timex watch when you can get paid $800 to wear a Rolex? :oops: I'm in favor of those who want a Rolex and can afford it buying on...
by 2m2037
Thu Sep 28, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 12670

Re: The Rolex and The Boglehead

You really don't see any other differences at all between a hovel and mansion? Roof over your head is the only variable? Your "Rolex==Timex" was putting function over form. Functionally both a hovel and a house get you out of the rain. I don't believe a hovel is the same as a mansion. I don't belie...
by 2m2037
Thu Sep 28, 2017 2:22 am
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4672

Re: Two year lease vs Buy and hold 10 years. A wash?

Yes, I too had initially thought leasing was throwing money away and it was for spendthrifts who wanted new cars every 2 years. Once I ran the numbers on a total cost basis, I saw that they worked for my situation. No I didn’t try to make the numbers work for a car I wanted. It was a deal I chanced ...
by 2m2037
Wed Sep 27, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4672

Re: Two year lease vs Buy and hold 10 years. A wash?

If you think it’s a good deal, OP, take it. It’s only $6,000 over two years. It won’t break the bank. If you figure you’re better off buying, you’re free to do so in 2019. If it turns out you really did better than buying, you can see if you could hop straight back into a similar lease. You don’t ha...
by 2m2037
Wed Sep 27, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4672

Re: Two year lease vs Buy and hold 10 years. A wash?

I would go ahead if the numbers make sense for you. They did for me, so I ended up with a lease.
by 2m2037
Wed Sep 27, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 12670

Re: The Rolex and The Boglehead

any tips from the rolexscenti about buying new steel Rolex from an AD? I'm looking to buy my first Rolex in Q1 2018. Is sub-MSRP attainable? I've heard yes from some, no from others. Buying new from AD varies greatly. Some give discounts on MSRP, some don’t. Some charge premiums on popular models. ...
by 2m2037
Wed Sep 27, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 12670

Re: The Rolex and The Boglehead

gets by with a Rolex Never thought I'd hear this on the BH forum. But yes. A sports model Rolex is in fact THE watch for a frugal (not poor) person. Anyone who has spent a considerable amount of time researching this will find it impossible to argue against that statement. Of course, Rolex markets ...
by 2m2037
Wed Sep 27, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 15956

Re: Bay Area Real Estate

my wife and i live in Burlingame. we moved out here about two years ago from a really low cost of living area in the midwest. housing costs aside we love the house we rent and the neighborhood. we both work and will likely continue to rent for the next few years. we're turning 30 this year and just...
by 2m2037
Wed Sep 27, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1534

Re: Weekend trip in Portland, Oregon - ideas?

Whakamole wrote:
Wed Sep 27, 2017 3:40 pm
Pok Pok is an excellent choice. I believe the owner has a few other Thai restaurants very close by, in case it is too crowded. Get the gin and tonic.

Widmer is a larger brewery but they are Portland-born and their pub is very nice.
Awesome! Looking forward :mrgreen:
by 2m2037
Wed Sep 27, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 12670

Re: The Rolex and The Boglehead

How many Bogleheads out there own and wear a Rolex (or similar)? Those that do, any regrets? I'd like to one day own a nice watch but for right now I just admire them all. DW might not ever sign off on a watch that expensive but still I'm curious what other Bogleheads have to say. If you want to ch...
by 2m2037
Wed Sep 27, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 12670

Re: The Rolex and The Boglehead

A used Rolex should actually be a BH's choice of watch. Let me illustrate how my Rolexes cost less than your $20 casio watches. I bought my first Rolex a few years ago, just 2 years after I graduated and started full time work. Since then, I have bought and sold 6 other Rolex watches, and currently...
by 2m2037
Wed Sep 27, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1534

Re: Weekend trip in Portland, Oregon - ideas?

itstoomuch wrote:
Wed Sep 27, 2017 1:59 pm
Summer flora that oysters eat may be not be agreeable to your tummy. Oysters (local) at the oyster house in Old Town by Voodoo, are generally raw shooters. Avoid all potential disasters. :oops:
Gotcha. Thanks! No oysters this trip! :beer
by 2m2037
Wed Sep 27, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1534

Re: Weekend trip in Portland, Oregon - ideas?

Get a rental car. Get out of Portland and see Oregon. Avoid Portland as much as possible. Oregon is beautiful and wonderful, full of spectacular sites and views. I think you can see everything worth seeing in Portland itself in about 1 day. Max. Thanks, but we only have 1 day to explore! We'll do t...
by 2m2037
Tue Sep 26, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1534

Re: Weekend trip in Portland, Oregon - ideas?

I use AirBnB while traveling but have never looked at Portland because I live here....well the suburbs. So I went on to see what is available for 2 in Mid-October. The AirBnB map shows neighborhood names. And there are a lot of places available. So I would stay in any of the neighborhoods around do...
by 2m2037
Tue Sep 26, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1534

Re: Weekend trip in Portland, Oregon - ideas?

So far got a rough itinerary planned, mainly walking tour with stops, uber if need be, maybe find some interesting places along the way. Saturday - arriving around lunchtime 1st stop - Packouz 2. Urban waterfall at Ira Keller Fountain Park 3. Hawthorne Bridge 4. Dinner at La Moule Sunday 1. Check ou...
by 2m2037
Tue Sep 26, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1534

Weekend trip in Portland, Oregon - ideas?

My fiancee and I fly into PDX Saturday morning, fly out Sunday night mid next month. This is an impromptu trip as we had to use up expiring miles. We need ideas on... 1. Accommodation . We plan to book an AirBnB so are looking for recommendations of areas to stay in i.e. no rough neighborhoods, idea...