Search found 288 matches

by ETadvisor
Fri Feb 15, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Milestone Speech Question
Replies: 10
Views: 709

Milestone Speech Question

I value the experience and expertise of the BH community on an array of topics and is why I post here. I hope my topic is acceptable as not per se Finance related. I want/feel obligated to provide a speech for my parent's 50th anniversary party. The target audience is 50+ friends, dad's work relatio...
by ETadvisor
Mon Feb 11, 2019 11:40 pm
Forum: Investing - Theory, News & General
Topic: What Is Your Favorite Bogle Quote?
Replies: 48
Views: 2617

Re: What Is Your Favorite Bogle Quote?

"Simplicity is the master key to financial success."
by ETadvisor
Thu Feb 07, 2019 12:48 pm
Forum: Personal Investments
Topic: To Reallocate or Not & New 401(k) Selection
Replies: 7
Views: 305

Re: To Reallocate or Not & New 401(k) Selection

1. Is MWTSX the lowest cost bond option in your 401k? 2. Since most of her plan that I suggested was Vanguard funds anyway, I'm thinking of just putting the money into their ETF equivalents and calling it a day. My idea is below, any thoughts would be greatly appreciated! Schwab S&P 500 Index ETF -...
by ETadvisor
Thu Feb 07, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Private school tuition on $200k hhi
Replies: 55
Views: 2991

Re: Private school tuition on $200k hhi

I am looking for feedback on if you think we will be able to continue to pay private school tuition k-12. $200k hhi with bonuses $7500-$36000 $330k retirement btwn Roth and 401k’s Age 40 and 48 We contribute $50k btwn Roth an 401k and employer matches. Mortgage: $1780. ( currently paying 700-1000 e...
by ETadvisor
Thu Feb 07, 2019 11:58 am
Forum: Personal Investments
Topic: Critique this Real Estate investment idea
Replies: 31
Views: 2035

Re: Critique this Real Estate investment idea

The value could be around $728,000 (assuming 3% appreciation per year). I am making these assumptions: Other than the 60K down payment (+ initial costs), I won't need to pay any more out of pocket. I can use the rent to pay for: mortgage, taxes, repairs, management company fees. Questions: What are...
by ETadvisor
Thu Feb 07, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Question for gearheads on Honda Pilot/Passport reliability
Replies: 45
Views: 2050

Re: Question for gearheads on Honda Pilot/Passport reliability

My wife has a rav4 that’s lease (not our best decision) is up in Sept and we are looking to buy a new vehicle to replace it that she will have for 7-10 years and be a safe and reliable family vehicle. Based on the feedback the Rav4 will likely be a more reliable choice. If we opt for the hybrid it ...
by ETadvisor
Mon Feb 04, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: Phone upgrade:Battery or Phone
Replies: 8
Views: 739

Re: Phone upgrade:Battery or Phone

Thank you for all the responses. I decided to purchase new phone and I selected the Samsung Galaxy J3 Star at my local T-Mobile store. My only grumble was the store charged $20 extra upgrade fee. :annoyed
by ETadvisor
Mon Feb 04, 2019 1:50 pm
Forum: Personal Investments
Topic: Strategies for mortgage pay down
Replies: 32
Views: 2424

Re: Strategies for mortgage pay down

This is my strategy for my 30 year fixed 3.5% mortgage. I throw 1 extra principal payment each year. See bi-weekly payment. This knocks almost 4 years off mortgage. As I approach retirement, I can pay it off in one lump sum or not. I prefer not to tie up my money in an illiquid asset with a historic...
by ETadvisor
Mon Feb 04, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Phone upgrade:Battery or Phone
Replies: 8
Views: 739

Phone upgrade:Battery or Phone

My current phone is the Samsung Galaxy Core Prime. Android OS 5.1.1. My carrier is T-Mobile. I misplaced the factory phone charger some time ago and have been using non-factory replacements including the most recent, a cheap Duracell phone charger. The battery charge does not hold well anymore and c...
by ETadvisor
Mon Feb 04, 2019 11:18 am
Forum: Personal Investments
Topic: Choosing between eliminating PMI or investing
Replies: 18
Views: 1399

Re: Choosing between eliminating PMI or investing

I have a pile of money I could use to pay down my mortgage and eliminate PMI. Alternatively, I could just invest the money. I'm trying to understand how to choose between the two options. If the mortgage did not involve PMI, it would be a pretty straightforward decision. Do I bet that my investment...
by ETadvisor
Mon Feb 04, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Advice regarding upcoming car purchase
Replies: 12
Views: 694

Re: Advice regarding upcoming car purchase

The new 2019 hatchback corolla increased to 2.0 L. If you commute with highway driving, anything less may be too sluggish. I have a 2.0 L mazda 3 and when I am in market for next car may opt for the 2.5 L. I would consider Mazda 3 as another choice.
by ETadvisor
Sat Feb 02, 2019 10:17 am
Forum: Personal Investments
Topic: 3 fund portfolio
Replies: 8
Views: 958

Re: 3 fund portfolio

I am 22 years old I’d like to know how is asset allocation on this specific portfolio? 75% Vanguard total market fund (VTI) 15% Vanguard total bond market fund (BND) and 10% Vanguard total international (VXUS). 90/10 or 85/15 is not going to move the needle much. It is more important how much you c...
by ETadvisor
Sat Feb 02, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 144
Views: 13131

Re: What do you think are (some of) the best states to live in?

I didn’t realize Mass stacked up so “middle of the road” tax wise. I, lazily, think of FL and TX and think everywhere is better than NJ, MA, NY, CT; thanks for the stats. We tend to focus on income taxes on this forum, for obvious reasons, but property taxes can matter more for retirement. And Texa...
by ETadvisor
Sat Feb 02, 2019 9:36 am
Forum: Personal Investments
Topic: Choosing between eliminating PMI or investing
Replies: 18
Views: 1399

Re: Choosing between eliminating PMI or investing

Eliminate PMI yesterday :twisted: It is insurance for the lender that provides you zero benefit and does not build equity in your home.
by ETadvisor
Tue Jan 29, 2019 9:06 pm
Forum: Personal Investments
Topic: Investment Strategy - Critique Needed
Replies: 12
Views: 1003

Re: Investment Strategy - Critique Needed

Below are the funds eligible for my plan: The best options are: Vanguard Total Stock Market Index VTSAX -- Complete US stocks Vanguard Developed Markets Index VTMGX -- 80% of international stocks Vanguard Total Bond Market Index VBTLX -- US bonds View your tax advantaged accounts as 1 portfolio. Im...
by ETadvisor
Sat Jan 19, 2019 8:55 pm
Forum: Investing - Theory, News & General
Topic: The NY Times calls us a cult but in a good way
Replies: 62
Views: 7556

Re: The NY Times calls us a cult but in a good way

Journalists tend to sensational stories to provoke interest at the expense of accuracy.
by ETadvisor
Sat Jan 19, 2019 11:15 am
Forum: Personal Investments
Topic: Roth 2050 Target Fund to Total Stock
Replies: 12
Views: 789

Re: Roth 2050 Target Fund to Total Stock

The counterpoint to that is that, international index has underperformed VTSAX by 5% annualized over the past 10 years, and about 3% annualized over the past 40 years (the second bit is hearsay, I can’t quite produce stats to back it up but believe it, but the first bit can easily be checked online...
by ETadvisor
Sat Jan 19, 2019 10:25 am
Forum: Investing - Theory, News & General
Topic: The NY Times calls us a cult but in a good way
Replies: 62
Views: 7556

Re: The NY Times calls us a cult but in a good way

Not a cult. Do not force our views on others and require to follow them to join bogle heads. Investing is not akin to religion/worship.
by ETadvisor
Sat Jan 19, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Observation - when it's better to invest at lower rate
Replies: 12
Views: 1265

Re: Mortgage Observation - when it's better to invest at lower rate

Hello all - Apologize for this long winded post but I thought some might find these calculations helpful - they weren't obvious to me until I ran them and please point out errors if you see them. Intuition would say it's always better to reduce your mortgage vs. invest the extra cash - as long as y...
by ETadvisor
Sat Jan 19, 2019 10:00 am
Forum: Personal Investments
Topic: Portfolio Critique/Allocation Advice
Replies: 7
Views: 594

Re: Portfolio Critique/Allocation Advice

First determine AA. View all your accounts as 1 portfolio. 100/0 or 90/10 will not make much of a difference. I would hold some bonds. Your 401k plan equivalent has a low ER for the target date fund. I would select that for simplicity. I would not place any bonds in the Roth IRA.
by ETadvisor
Sat Jan 19, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Bank As Executor Of Will?
Replies: 47
Views: 2674

Re: Bank As Executor Of Will?

I saw that this issue has been somewhat discussed in another thread, but wanted to start a new post on it, detailing my particular issues and questions regarding this. I have several questions about naming my bank as the Executor of my Will/estate. First, some background info. I have over 100K in v...
by ETadvisor
Sat Jan 19, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 4006

Re: Any good reason to get a smartwatch?

Before the smart phone, I would wear a watch. Since the smart phone, I do not wear a watch. The smart watch would have to replace the smart phone for me to get one.
by ETadvisor
Wed Jan 16, 2019 10:11 pm
Forum: Investing - Theory, News & General
Topic: Single Income Family Max All Tax-Advantaged Space
Replies: 13
Views: 1014

Single Income Family Max All Tax-Advantaged Space

As a single income family of 4, I have access to my 401k, my HSA, my IRA and Spousal IRA. The 2019 allowable tax-advantaged space (under 50) is allocated as follows: $19,000 401k $12,000 His and Her IRA $7,000 Family HSA $38,000 Total Any BHs with 1 family income and at least 4 family members maxing...
by ETadvisor
Wed Jan 16, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49231

Re: John Bogle is dead at 89

My heartiest condolences to the father of Index Funding with a balky heart that has a heart of gold.
by ETadvisor
Wed Jan 16, 2019 8:37 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49231

Re: John Bogle is dead at 89

Rick Ferri wrote:
Wed Jan 16, 2019 5:47 pm
Most people who come into the investment industry choose to make money. Jack Bogle chose to make a difference.

And he did.

RIP
Well Said.
by ETadvisor
Tue Jan 15, 2019 11:18 pm
Forum: Personal Consumer Issues
Topic: Fantastic Resort Recommendations???
Replies: 31
Views: 2997

Re: Fantastic Resort Recommendations???

If you really want Key West, the Southernmost on the Beach is lovely - although the rooms are small, IMO. We also liked the Pier House. If you want crazy awesome, there's an island off Key West that requires a boat shuttle - the hotel there is Sunset Key Resort. Last we looked, it was $1k per night...
by ETadvisor
Tue Jan 15, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31320

Re:

satori wrote:
Sat Feb 07, 2009 11:14 am
The Gods Must Be Crazy - 1980 - Director Jamie Uys
+1000
by ETadvisor
Tue Jan 15, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31320

Re: Funniest movies of all time? Name five of your favorites...

Pure Luck

National Lampoons Vacation

Coming to America

My Cousin Vinny

Old School

Honorable Mentions - Swingers, Meet the Parents, 40 Year Old Virgin, Eddie Murphy Raw (Viewer Discretion Advised)
by ETadvisor
Tue Jan 15, 2019 10:07 pm
Forum: Personal Investments
Topic: Retirement accounts maxed out, what to do with extra cash?
Replies: 32
Views: 2091

Re: Retirement accounts maxed out, what to do with extra cash?

In stead of paying down your mortgage (with low interest rate of 3.81%), consider the followings: 1. Use extra money as down pay to buy an investment (rental) property at a good location; 2. Unless your contribution to 401(k) is matched by your employer, do NOT contribute to 401(k), as tax rate wou...
by ETadvisor
Tue Jan 15, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Change my mind - Lease > Buy New Car
Replies: 23
Views: 2004

Re: Change my mind - Lease > Buy New Car

Let me preface this by saying I typically by cars used, a lot of times rare sportier cars, and have lost very little money, if any, in depreciation upon selling. TYPICALLY. Now, looking to start a family, priorities changed. Looking at a 2019 Mazda CX-9. Looks like purchase prices are around MSRP (...
by ETadvisor
Tue Jan 15, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 75
Views: 6521

Re: Large SUV

Looking to replace my Honda Odyssey Touring a 2012 model have about 130K which is not much at all for a honda but started having engine problems. So looking to replace it in a few months. Wanted any good recommendations, was looking at the Hyundai Palisade I know it hasn't been out yet but looking ...
by ETadvisor
Tue Jan 15, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 3774

Re: 2019 Camry vs RAV4

If you are older than 50, I would recommend Rav4. Camry is more difficult to enter and exit when older. It is lower to the ground. My 70-something year old neighbor sold her Camry and bought a RAV4 for exactly this reason. Very easy to get in and out of. Personally, I’d get a Mazda3. I want somethi...
by ETadvisor
Tue Jan 15, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a trustee
Replies: 46
Views: 3302

Re: Choosing a trustee

My wife and I met with an estate attorney to setup our will. We have 2 young children, 2 & 4 yo, and 3 million in life insurance and a couple hundred thousand in investment/retirement accounts that will hopefully grow considerably by the time they are no longer minors. If something was to happen to...
by ETadvisor
Mon Jan 14, 2019 10:47 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation of the 0.1%
Replies: 31
Views: 4387

Re: Asset Allocation of the 0.1%

The Economist has an article on Family Offices . In it, it presents the average (survey) Asset Allocation of Family Offices*** in 2018: http://i63.tinypic.com/ir5oub.png Quick takeaways: >> Generational wealth preservation diversifies a lot more than just (bond/stocks) >> Private Equity has displac...
by ETadvisor
Mon Jan 14, 2019 10:19 pm
Forum: Personal Investments
Topic: I'm the noobiest noob
Replies: 16
Views: 1410

Re: I'm the noobiest noob

Welcome! Time in the market always beats timing the market. Although it is 2019, you can still fill the unused space for 2018 which was $11,000 for both IRAs ($5,500 each) until tax day April 15, 2019. If you do not maximize the tax advantaged space, you lose it and can never get it back. For 2019, ...
by ETadvisor
Mon Jan 14, 2019 8:41 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11577

Re: Biggest Investment Mistake

Hiwatter wrote:
Fri Jan 11, 2019 10:54 am
Here's a couple I made early on

1. Held way too much cash.

2. Used Edward Jones and followed their "advice".
+1

Edward Jones=Morgan Stanley Smith Barney

I would have had less/no cash to give to MSSB if I maxed the 401k instead. I no longer use MSSB and max the 401k.
by ETadvisor
Mon Jan 14, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Took on too much mortgage, seeking advice on where to put money going forward
Replies: 46
Views: 5339

Re: Took on too much mortgage, seeking advice on where to put money going forward

This isn’t a crisis and I’m not sure there’s even a problem. Between your 401(k) and taxable savings, you’re investing slightly more than 23% of your gross income. Sure, your housing costs are high relative to your income and the $1,000 a month for food and booze is a lot (I hope you’re having fun)...
by ETadvisor
Mon Jan 14, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a trustee
Replies: 46
Views: 3302

Re: Choosing a trustee

My wife and I met with an estate attorney to setup our will. We have 2 young children, 2 & 4 yo, and 3 million in life insurance and a couple hundred thousand in investment/retirement accounts that will hopefully grow considerably by the time they are no longer minors. If something was to happen to...
by ETadvisor
Sun Jan 13, 2019 11:57 am
Forum: Investing - Theory, News & General
Topic: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)
Replies: 128
Views: 7616

Re: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)

Your premise may be true or may not be true. I have Vanguard accounts and model the 3 fund portfolio with an additional small cap tilt and my international is in VXUS and VSS so I hold some EM.

What is the saying on here "Nobody knows anything so just buy the entire haystack"
by ETadvisor
Sun Jan 13, 2019 10:58 am
Forum: Personal Investments
Topic: Roth vs traditional 401k
Replies: 19
Views: 653

Re: Roth vs traditional 401k

[quote=ETadvisor post_id=4317391 time=1547393600 user_id Why not both. Do you get match? Mine is paid in t401k. I was 100% t401k but recently my contribution ratio is 75% t401k and 25% r401k. My only issue is I can not adjust funds within 401k so if 20% bonds is my 401k AA it will fund t401k and r4...
by ETadvisor
Sun Jan 13, 2019 10:33 am
Forum: Personal Investments
Topic: Roth vs traditional 401k
Replies: 19
Views: 653

Re: Roth vs traditional 401k

Trying to decide Between Roth versus traditional 401(k) for my retirement plan with Schwab. I live in Tennessee and am married without children. I am a physician and make a good salary 300+. I am however in my first year post training and have massive loan debt ~400k, and currently low net worth. P...
by ETadvisor
Sun Jan 13, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: What deductible for Comprehensive and Collision Insurance?
Replies: 35
Views: 1646

Re: What deductible for Comprehensive and Collision Insurance?

SQRT wrote:
Sun Jan 13, 2019 9:58 am
Gill wrote:
Sun Jan 13, 2019 8:20 am
I choose the largest deductible available on all insurance but you must be able to afford the loss.
Gill
Same for me. Usually. $5,000.
Never seen that high in my state.
by ETadvisor
Sun Jan 13, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5647

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

One more point in the minivan vs SUV comparision. We had a Sienna when the kiddos were little. When oldest got to driving age we passed on my wife's CR-V to the oldest to take to college and bought her a Highlander. So we have lots of experience in the minivan (over 300,000 miles on it) and more re...
by ETadvisor
Sat Jan 12, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 4021

Re: Brake fluid replacement?

In general brake fluid lasts a long time under normal conditions. I too have experienced the thrill of boiled brake fluid on a track due to excessive heat. Normal conditions will never cause this to happen. A good rule of thumb is every 4-5 years. Brake fluid can be tested for moisture but frankly ...
by ETadvisor
Thu Jan 10, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9938

Re: Disciplined with finances, but not so with diet

I have a degree in Exercise Science and have been a personal trainer for 20 years. Here are my three best tips for you... focus on reducing or eliminating added sugar , focus on portion size and replace some carbs with more vegetables. If you focus solely on restricting all "ADDED" sugar in your di...
by ETadvisor
Tue Jan 08, 2019 9:16 pm
Forum: Investing - Theory, News & General
Topic: How does Alliant Credit Union make money on their Credit Card?
Replies: 5
Views: 400

Re: How does Alliant Credit Union make money on their Credit Card?

With Alliant Credit Union giving 3% flat cash back on all purchases on their credit cards, I wonder how do they make money on it. I believe that the interchange fee that they earn is less than the cash-back. There are absolutely no limitations on the cash-back except that it is for the first year a...
by ETadvisor
Sun Jan 06, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat or justify lifestyle creep
Replies: 91
Views: 7223

Re: Strategies to combat or justify lifestyle creep

Without knowing any financial specifics it is hard to know . At some point if you have enough saved up to weather any reasonable financial scenario then sure, go for it. One thing to consider is what impact does it have on DW and kids. If you splurge on car, will DW want to splurge on something els...
by ETadvisor
Sun Jan 06, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 144
Views: 13131

Re: What do you think are (some of) the best states to live in?

These have the most people so arguably most popular:

1) California

2) Texas

3) Florida

4) New York
by ETadvisor
Sun Jan 06, 2019 11:09 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 14752

Re: What is your allocation to U.S. and International?

Within my stock allocation, it's currently, let me see, 78% US, 22% international. Many years ago it was 20% international, listening to people in the forum made me decide to add just a bit more, I had it up to 25% international, and since then the relative performance of the two has gradually redu...
by ETadvisor
Thu Jan 03, 2019 10:20 pm
Forum: US Chapters
Topic: Why I became a Boglehead
Replies: 22
Views: 3172

Re: Why I became a Boglehead

Because this makes sense to me.

1. Develop a workable plan
2. Invest early and often
3. Never bear too much or too little risk
4. Diversify
5. Never try to time the market
6. Use Index Funds
7. Keep Costs Low
8. Minimize taxes
9. Invest with simplicity
10. Stay the course