Search found 34 matches

by morpheus1958
Tue Aug 13, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to understand basics of refinancing
Replies: 5
Views: 513

Re: Trying to understand basics of refinancing

Thanks HomeStrech.

My current rate is 3.125% (7/1, 30 years)
by morpheus1958
Tue Aug 13, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to understand basics of refinancing
Replies: 5
Views: 513

Trying to understand basics of refinancing

I am a novice and trying to understand/evaluate if I should refinance my home loan and what parameters should I consider when refinancing. To give some background: I bought this house about 2.5 years ago with 7/1 ARM loan. We like the house and do not see selling it for next 5 to 10 years atleast. I...
by morpheus1958
Tue Dec 25, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Questions regarding everyday implementation of 3-fund portfolio.
Replies: 1
Views: 320

Questions regarding everyday implementation of 3-fund portfolio.

I generally understand bogglehead philosophy at high level but I had some questions when it comes to day-to-day implementation of the philosophy. Here are my questions: 1) How often do you buy? a) every week b) every 2 weeks, c) once per month? 2) How often do you rebalance? when? a) once an year? O...
by morpheus1958
Fri Aug 17, 2018 7:40 pm
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Help needed to choose fund for 401K with new employer

I recently changed employers. New employer is offering following funds in 401K, it is with fidelity. There is no employer match FWIW. Old 401K is at Insperity. They seems to charge $50 to roll the funds out of fidelity. Here is my past post about my asset allocation and 401K contribution. https://ww...
by morpheus1958
Sun Aug 12, 2018 1:09 pm
Forum: Personal Investments
Topic: RSUs with long term potential
Replies: 9
Views: 968

Re: RSUs with long term potential

Thanks everyone for informative replies.

The company has promised N numbers of shares ( irrespective of the price ) every 3 months.
If share price glides higher then this might become a sizeable portion of my portfolio.
by morpheus1958
Sat Aug 11, 2018 8:19 pm
Forum: Personal Investments
Topic: RSUs with long term potential
Replies: 9
Views: 968

RSUs with long term potential

Thanks for this wonderful forum, I find that it is not only is a great place to find financial wisom, but also a guide for leading a good working life and retirement. I recently joined a small tech company in CA that went public last year. Since then their stocks are mostly going up. They plan to gi...
by morpheus1958
Wed Apr 25, 2018 4:46 pm
Forum: Personal Investments
Topic: VG NV 529(0.16%) vs Fid NH 529 (0.13%)
Replies: 4
Views: 750

Re: VG NV 529(0.16%) vs Fid NH 529 (0.13%)

thanks rkhusky. I looked at the glidepath and here is how it looks: Fid: now 95% stocks / 5% bonds 10 year 65% stocks 15 years 40% stocks 18 years 27% stocks VG: till 5 years 100% stocks 10 years 70% stocks/30 % bonds 15 years 40% stocks/ 60% bonds 18 years+ 10% stocks/ 90% bonds Seems like FID plan...
by morpheus1958
Wed Apr 25, 2018 2:00 pm
Forum: Personal Investments
Topic: VG NV 529(0.16%) vs Fid NH 529 (0.13%)
Replies: 4
Views: 750

VG NV 529(0.16%) vs Fid NH 529 (0.13%)

Hi , I am comparing Vanguard 529 Nevada plan (VG plan) with Fidelity 529 NH (Fid plan) plan. VG plan's expense ratio is 0.16% and Fid plan's expense ratio is 0.13%. I plan to invest in age based 529 plan ( which seems similar in both VG and Fid plan), 0-2 years bucket and aggressive style and that i...
by morpheus1958
Wed Mar 28, 2018 11:05 pm
Forum: Personal Investments
Topic: Freshly Minted Boglehead
Replies: 17
Views: 1864

Re: Freshly Minted Boglehead

Thank you Arinbjorn for your post, I found it inspiring.
by morpheus1958
Fri Mar 23, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Costco delivered a broken bed (threshold delivery)
Replies: 11
Views: 1399

Re: Costco delivered a broken bed (threshold delivery)

sorry, I should have been clearer. The way this bed is designed, the headboard is integrated with 2 legs of the bed. So headboard is not an extra piece on top of the bed frame, but it is part of the bed frame. So without the headboard piece, the bed frame is incomplete and cannot hold the mattress. ...
by morpheus1958
Thu Mar 22, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Costco delivered a broken bed (threshold delivery)
Replies: 11
Views: 1399

Re: Costco delivered a broken bed (threshold delivery)

yes, thansk Bacchus01 for reply.

That is an option, but that will also take a couple of weeks ( no fixed data given by them).

And my bedroom remains completely unusable till then.
by morpheus1958
Thu Mar 22, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Costco delivered a broken bed (threshold delivery)
Replies: 11
Views: 1399

Costco delivered a broken bed (threshold delivery)

We ordered a cal king storage bed online from costco. They delivered it just inside my door. I paid someone to move all the boxes upstair to bedroom.300lbs. When I started opening the boxes, I realized that main headboard is completely broken. I called costco and they say , they would revert the cha...
by morpheus1958
Thu Mar 01, 2018 7:34 pm
Forum: Personal Investments
Topic: Beginner @ 46, so much to learn.
Replies: 25
Views: 4392

Re: Beginner @ 46, so much to learn.

I want to be very aggressive with my investments to maximize returns. I would rephrase this as - I want to be very aggressive with my investments to maximize my "potential" returns. Being aggressive opens you up to bigger returns , it does not imply bigger returns. Being aggressive also opens you u...
by morpheus1958
Wed Feb 07, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: 7/1 year ARM loan and additional monthly payments
Replies: 17
Views: 1492

Re: 7/1 year ARM loan and additional monthly payments

Looking at the loan doc, it says that on 8th year interest "can" jump to 8.125%, so I think that cap is 8.125%

I don't a see a lifetime cap mentioned.
by morpheus1958
Wed Feb 07, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: 7/1 year ARM loan and additional monthly payments
Replies: 17
Views: 1492

Re: 7/1 year ARM loan and additional monthly payments

The loan amount is in around $700K

I will check on caps and post again.
by morpheus1958
Wed Feb 07, 2018 1:58 am
Forum: Personal Finance (Not Investing)
Topic: 7/1 year ARM loan and additional monthly payments
Replies: 17
Views: 1492

7/1 year ARM loan and additional monthly payments

I bought a house last year and locked in on 7/1 ARM loan at 3.125% After staying in this house for 1 year, I think I would like to stay here for 15 to 20 years. I am currently contributing additional $500 every month to repay the loan. My rough understanding is that 7/1 ARM loan is good idea if one ...
by morpheus1958
Sat Dec 30, 2017 10:23 pm
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Re: Converting existing potfolio to 3 funds - novice

May I please know where would 529 fund fit in this picture? (We just had a baby few months ago). We are CA residents.

Thanks and appreciate your thoughts and suggestions.
by morpheus1958
Sat Dec 30, 2017 10:18 pm
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Re: Converting existing potfolio to 3 funds - novice

I went over the wiki and tried to understand the suggestions by retiredjg and have few followup questions. Question# 1 For the time being, all the money going into His current 401k would go to the 500 index. Every few months, exchange some 500 index to bonds in His old 401k. After some time, the old...
by morpheus1958
Sat Nov 25, 2017 8:29 pm
Forum: Personal Investments
Topic: Investment suggestions after arrival of a new born
Replies: 13
Views: 1307

Re: Investment suggestions after arrival of a new born

My rec's: 1. Take care of your health both physically and financially, so you're available to support your child. 2. Buy term life insurance. 3. Fund a 529 up to whatever you feel is appropriate. 4. Make sure kiddo does well in school. 5. Congrats! Issue with #1 is that I have some non-trivial heal...
by morpheus1958
Thu Nov 23, 2017 1:26 am
Forum: Personal Investments
Topic: Investment suggestions after arrival of a new born
Replies: 13
Views: 1307

Re: Investment suggestions after arrival of a new born

wow, such helpful and warm replies. thanks a bunch, appreciate it.
by morpheus1958
Wed Nov 22, 2017 7:16 pm
Forum: Personal Investments
Topic: Investment suggestions after arrival of a new born
Replies: 13
Views: 1307

Investment suggestions after arrival of a new born

We just had a new born last month. I am wondering what all I can do to make baby's financial future more secure. So far I understand I need to do these 2 things: (1) Open 529 account and fund it appropriately. (I am still researching on what "appropriately" would mean for me here) (2) Open a savings...
by morpheus1958
Tue Aug 15, 2017 6:00 pm
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Re: Converting existing potfolio to 3 funds - novice

sorry for late reply retiredjg,

regarding ETF, I was mentioning about following suggestion by Type Aspect.
Recommend half Vanguard Total Stock Market Index Admiral and half Vanguard Total World ETF.
by morpheus1958
Wed Aug 02, 2017 4:04 pm
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Re: Converting existing potfolio to 3 funds - novice

I am also reading bogglehead investing book and lot of my questions are getting answered there. Like I understand now that why buying ETF above makes more sense when I am planning to hold it for long term (lower expense ratio offsets the transaction cost) and I see the difference between world index...
by morpheus1958
Sat Jul 22, 2017 9:53 pm
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Re: Converting existing potfolio to 3 funds - novice

After some time, the old 401k will be just 1 fund - the PIMCO bond fund (can you check on that ER? It seems real low)
yes retiredjg, I verified the PIMCO Total return fund in my old 401K has ER of 0.27%.
by morpheus1958
Mon Jul 17, 2017 9:55 pm
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Re: Converting existing potfolio to 3 funds - novice

Thanks a ton retiredjg for such a detailed advice.

It will take me some time to understand all of this, thanks again.
by morpheus1958
Sat Jul 15, 2017 10:55 am
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Re: Converting existing potfolio to 3 funds - novice

Thank you Tyler Aspect, appreciate your insights and suggestions.
by morpheus1958
Fri Jul 14, 2017 6:19 pm
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Re: Converting existing potfolio to 3 funds

Basic thinking is: % stocks = 120 - age = 120 - 37 = 83% % bonds = 17% % international = 30% So roughly it comes to 50% US stocks, 30% international stocks, 20% bonds. Please let me know if I am missing something. Yes, you are missing something. "30% of the stocks in international" does not me 30% ...
by morpheus1958
Fri Jul 14, 2017 6:18 pm
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Re: Converting existing potfolio to 3 funds - novice

retiredjg wrote:I'd like to put your international allocation into the taxable account. What is that cash for, especially the cash in the foreign bank?
cash in foregin bank is something I plan to bring to US and invest.

Thanks again retiredjg, appreciate your thoughts.
by morpheus1958
Fri Jul 14, 2017 2:20 pm
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Re: Converting existing potfolio to 3 funds - novice

New annual Contributions Maxing out his 401k (4% match) Maxing out Roth IRA contribution $400 per month into taxable - Van 500 Index Fund Admiral (VFIAX) (0.04%) How much is the total 401k contribution? Two Roth IRAs or just one? Updated original post above. Two Roth IRAs - one for me and another f...
by morpheus1958
Fri Jul 14, 2017 2:15 pm
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Re: Converting existing potfolio to 3 funds

Thanks retiredjg for quick response. Desired Asset allocation: 50% stocks / 20% bonds Desired International allocation: 30% of stocks Can you clarify this? I am roughly trying to follow Laura's post here https://www.bogleheads.org/forum/viewtopic.php?t=6211 Basic thinking is: % stocks = 120 - age = ...
by morpheus1958
Fri Jul 14, 2017 11:03 am
Forum: Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 29
Views: 3544

Converting existing potfolio to 3 funds - novice [help with 401(k) choices]

[Thread updated, see below. --admin LadyGeek] Thanks for providing this forum to discuss and share super useful insights. My current portfolio (10-15 years in the making) is sort of messed up. I am inclined towards 3 fund portfolio, but confused about how do I start making that transition to that. ...
by morpheus1958
Wed Jun 28, 2017 12:30 pm
Forum: Personal Investments
Topic: 3-fund portfolio and CA tax exempt funds
Replies: 3
Views: 615

3-fund portfolio and CA tax exempt funds

I understand that if I am living in California, and in certain tax bracket, I should invest in CA tax exempt bond funds. I am also learning about 3 funds portfolio and planning to start converting my investments to 3 funds. My question is, where does CA tax exempt funds fit in the overall big pictur...