Search found 635 matches

by 3funder
Wed Aug 15, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Hoping to Start on the Right Foot
Replies: 13
Views: 808

Re: Newly Married and Hoping to Start on the Right Foot

Congrats on the marriage, and a home purchase with solid down payment. Nice to see fellow Boglehead that prioritizes giving. You should think about whether it's fair to the relative that is loaning you $24k at 0%, so you can put $500 into taxable. I would focus on paying off all the debts before an...
by 3funder
Wed Aug 15, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Odd situation.. How much down payment? 15/30 year loan? Should I sell taxable investments for the down payment?
Replies: 14
Views: 616

Re: Odd situation.. How much down payment? 15/30 year loan? Should I sell taxable investments for the down payment?

Dang... I guess I have been pretty narrow minded about home ownership. I jumped right into it because I thought it was a good idea to have your own home. I honestly did get taken aback a little bit when I realized how expensive taxes would be. Would it change anything if I decided to rent out the s...
by 3funder
Wed Aug 15, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?
Replies: 21
Views: 1009

Re: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?

I don't think there's much downside or upside. Personally, for that short of a time frame, I'd invest it all at once.
by 3funder
Tue Aug 14, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 32
Views: 3063

Re: Almost 30 - Check In

$15,000 is way too much to spend on an engagement ring. I spent half that, and my wife still would have been happy with something a little cheaper. This is not an investment; the value of this ring will do nothing but decrease every year. I know people who make twice what you do and spent 65% less. ...
by 3funder
Tue Aug 14, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Valuations Too High?
Replies: 200
Views: 10391

Re: Larry Swedroe: Valuations Too High?

Does CAPE10 account for changes in the way earnings are reported due to changes in US GAAP accounting rules over the last 30 years? No, it doesn't. But...should it? I don't think so. Just because corporations don't have to amortize goodwill on a schedule doesn't mean they are doing a good job gener...
by 3funder
Tue Aug 14, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 58
Views: 4471

Re: Marriage

Its really up to you. Responses in the past have ranged from "we keep every penny separate and put money into a joint account for shared expenses with a ratio of hours worked factored by relative salaries blah blah blah" to just combine it all and agree on what you do with your money. If you were b...
by 3funder
Tue Aug 14, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 282
Views: 17222

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

FRANK2009 wrote:
Tue Aug 14, 2018 9:02 am
Since investing by looking at the past isn't the best practice, I say 50% US equity/50% international. Mix in bonds in an amount that allows you to sleep well, and you're done. Stay the course as best you can. Yes I'm a simple man...
+1.
by 3funder
Tue Aug 14, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 282
Views: 17222

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I believe Buffet once said (keep context in mind) something about price having a substantial impact on forward expected returns. This is not a plug for market timing; however, you'd be wise to keep this in mind. Diversifying globally takes the guesswork and faith out of the equation. If internationa...
by 3funder
Tue Aug 14, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Mutual funds / market correction
Replies: 13
Views: 1033

Re: Mutual funds / market correction

Diversify globally, and you should be fine. I don't know when the next correction and/or bear market will happen; however, US stocks are richly valued and have been for years. That is why I recommend you diversify globally. For what it's worth, I'm 50/50 US/International; however, some investors pre...
by 3funder
Mon Aug 13, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mid 30s Crisis: Personal budget, savings and goals
Replies: 36
Views: 6815

Re: Mid 30s Crisis: Personal budget, savings and goals

You have $1.5M and a nearly paid off house at age 35. What ever your problem is, it is not financial. I would do backdoor Roth as the contributions are still liquid and can be taken out any time. I would also pay off the mortgage and the car. There is no point in holding $400K cash earning less tha...
by 3funder
Mon Aug 13, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: 3 funds now, or start off with 2?
Replies: 17
Views: 1086

Re: 3 funds now, or start off with 2?

You might wish to start with two stock funds (total US and total international), as this is after-tax money. That said, if you want to include bonds, that's fine too.
by 3funder
Sat Aug 11, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review by experts
Replies: 1
Views: 244

Re: Portfolio review by experts

Looks fine to me.
by 3funder
Sat Aug 11, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 4982

Re: Preparing for a bear market

selters wrote:
Sat Aug 11, 2018 6:00 am
Nothing wrong with reducing your allocation to stocks once you've reached your goals and "won the game." But it should be a permanent change. You should not reduce your allocation to stocks with the intention of raising it again once there is a correction.
+1.
by 3funder
Fri Aug 10, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 327
Views: 20583

Re: Invest in Tesla?

Nope.
by 3funder
Fri Aug 10, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4509

Re: Should I pay 6000.00 to repair wife's car....

I would not spend $6,000 to repair a vehicle. If I were worth $100,000,000 and the repair was on a $400,000 vehicle, that would be a different story (of course, I'd never purchase a $400,000 vehicle in the first place).
by 3funder
Fri Aug 10, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: Turkey/Turkish Stocks down 32% - approaching 2008 levels
Replies: 96
Views: 9680

Re: Turkey/Turkish Stocks down 32% - approaching 2008 levels

Good news. You can own Turkey by owning the total international stock market index fund. 0.2% of this fund invests in Turkey. Good news is it's in proportion to how the world invests in Turkey. If you can't beat 'em, join 'em. See the market allocation (percentage ownership) in each country here (y...
by 3funder
Fri Aug 10, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8316

Re: Huge mortgage mistake

If you refinanced to a 15-year mortgage, what would the rate be? If you put 20% down, how much of an emergency fund would you have left? Could you prepay your mortgage to get rid of PMI? Even without knowing the answers to these questions, you didn't make a "huge" mistake. I'm not even sure you mad...
by 3funder
Fri Aug 10, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Have you rebalanced to bonds this year?
Replies: 25
Views: 2142

Re: Have you rebalanced to bonds this year?

Yes, but mostly due to additional stock investing in my taxable account.
by 3funder
Fri Aug 10, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 19227

Re: International stocks in free fall

ReformedSpender wrote:
Fri Aug 10, 2018 2:45 pm
Turkey makes up a whopping 0.2% of VTIAX. Highly doubt you going to see a fire sale on share price

:beer
I was considering buying a little more today, but then I realized what you just mentioned and decided to pass.
by 3funder
Thu Aug 09, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Would you pay this mortgage off?
Replies: 51
Views: 4078

Re: Would you pay this mortgage off?

short answer -- depends ? How many years left on Mortgage ? Do you want to retire early ? (if so when) what would you do with money if you don't pay off early ? My quick glance response is -- NO (don't pay early). Make sure you have good EF, you have stable jobs and plan to have decent pensions. I ...
by 3funder
Wed Aug 08, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6924

Re: "Skin in the game"

I'm not a huge "skin in the game" fan, unless, of course, the parents simply aren't able to cover the entire cost. If my son gets a scholarship, that would be great, but it will be what it will be. I definitely appreciated my debt-free start to adulthood.
by 3funder
Mon Aug 06, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14090

Re: Will you pay for your kids' college/graduate education?

bligh wrote:
Sat Aug 04, 2018 7:33 pm
Yes.

529 Plan + Cash Flow should hopefully be enough for 100% of undergrad for both kids.

Assisting with any graduate studies will depend on our situation.
+1.
by 3funder
Mon Aug 06, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Jamie Dimon: Higher rates are coming
Replies: 42
Views: 6520

Re: Jamie Dimon: Higher rates are coming

And this is supported by...sluggish wage growth? Yes, higher rates are coming, but maybe not as soon as he thinks. He may be a superstar investment banker, but he talks way too much.
by 3funder
Sun Aug 05, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: How do you think about your mortgage in relation to your stock/bond portfolio?
Replies: 32
Views: 2407

Re: How do you think about your mortgage in relation to your stock/bond portfolio?

Mike Scott wrote:
Sat Aug 04, 2018 4:25 pm
Our mortgage means that we have a place to live. We don't plan to sell it to get money back out of it so it really has nothing to do with retirement or investment plans.
+1.
by 3funder
Sun Aug 05, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: VINEX international fund
Replies: 29
Views: 1549

Re: VINEX international fund

so overall not impressed with VTIAX, i am trying to find an international fund on vanguard that does not have such anemic returns. came across VINEX, not the most tax efficient, high turnover but the return since inception has been better than vtiax, also around longer than vtiax so you know it can...
by 3funder
Fri Aug 03, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: why is VTI more tax efficient than VTSAX
Replies: 11
Views: 1945

Re: why is VTI more tax efficient than VTSAX

triceratop wrote:
Fri Aug 03, 2018 6:23 pm
To elaborate further, Morningstar tax numbers are not to be trusted. Any time you see the words "Tax Cost Ratio" run very far away, very fast.
Why? Is there an issue with the methodology used to calculate this or is it not a particularly useful metric in general?
by 3funder
Mon Jul 23, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with a Developer
Replies: 48
Views: 3541

Re: Investing with a Developer

Are you in good physical shape? How fast can you run?
by 3funder
Sat Jul 21, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Rethinking bond fund
Replies: 13
Views: 1152

Re: Rethinking bond fund

You have a bond allocation for a reason. I wouldn't mess with it too much. Lower prices beget higher yields anyway.
by 3funder
Tue Jul 17, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 105
Views: 7395

Re: Tell me what's wrong with my strategy

Get rid of the individual FAANG holdings and use the money to increase your bond allocation.
by 3funder
Thu Jul 12, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: Home ownership vs investing -- condos vs renting, etc
Replies: 108
Views: 5711

Re: Home ownership vs investing -- condos vs renting, etc

https://www.moneyunder30.com/why-your-house-is-not-an-investment https://www.usatoday.com/story/money/personalfinance/2014/05/10/why-your-home-is-not-a-good-investment/8900911/ According to research by Yale economist Robert Shiller, one of the foremost experts on housing in the U.S., noted that fro...
by 3funder
Thu Jul 12, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: Home ownership vs investing -- condos vs renting, etc
Replies: 108
Views: 5711

Re: Home ownership vs investing -- condos vs renting, etc

https://www.moneyunder30.com/why-your-house-is-not-an-investment https://www.usatoday.com/story/money/personalfinance/2014/05/10/why-your-home-is-not-a-good-investment/8900911/ According to research by Yale economist Robert Shiller, one of the foremost experts on housing in the U.S., noted that fro...
by 3funder
Thu Jul 12, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: Home ownership vs investing -- condos vs renting, etc
Replies: 108
Views: 5711

Re: Home ownership vs investing -- condos vs renting, etc

https://www.moneyunder30.com/why-your-house-is-not-an-investment https://www.usatoday.com/story/money/personalfinance/2014/05/10/why-your-home-is-not-a-good-investment/8900911/ According to research by Yale economist Robert Shiller, one of the foremost experts on housing in the U.S., noted that fro...
by 3funder
Thu Jul 12, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 10586

Re: Six stocks make up 98% of S&P 500 gains in 2018

In a vacuum, it's disturbing. Approximately 50% of my equity allocation is international, so I'm not terribly concerned, though.
by 3funder
Thu Jul 12, 2018 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5620

Re: Where do you keep your Emergency Fund?

Capital One 360 Money Market Account.
by 3funder
Thu Jul 12, 2018 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4764

Re: Target date funds....unsophisticated?

mancich wrote:
Tue Jul 10, 2018 5:28 am
Nothing wrong with a target date fund, especially from Vanguard. One-stop solution, and beats the pants off most other solutions if you don't want to manage 3-4 funds yourself. :beer
+1. You could do MUCH worse, but not MUCH better.
by 3funder
Mon Jul 09, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Target Date Fund in Taxable Account. Thoughts?
Replies: 7
Views: 722

Re: Schwab Target Date Fund in Taxable Account. Thoughts?

Not the most tax-efficient way to go about it, but it also won't kill you. I'd probably act on Taylor's advice to maximize tax efficiency.
by 3funder
Mon Jul 09, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4607

Re: Why 3-funds and not 4-funds or even 2-funds?

zuma wrote:
Mon Jul 09, 2018 5:16 am
The three-fund portfolio is an investing philosophy that emphasizes a simple, low-cost, diversified strategy. There is nothing special about the number three. As others have said, you could follow the same philosophy with a different number of funds.
+1.
by 3funder
Sun Jul 08, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: US:International allocation ratio
Replies: 18
Views: 1519

Re: US:International allocation ratio

Mors wrote:
Sun Jul 08, 2018 4:54 am
I say follow the way of Vanguard. It is market cap + a small US bias because of lower currency risk and lower cost. Seems fair and straight forward.
+1. Precisely.
by 3funder
Sat Jul 07, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2639

Re: Having first child - Life Insurance question

Fixed Term long enough to get through college. So 20 to 25 years. Skip increasing term, it is the opposite of what you need. As you and your kid get older you need a smaller death benefit, not a larger one. If someone sold a decreasing term that would be the thing to actually buy but I’m not aware ...
by 3funder
Sat Jul 07, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5612

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

I am having the below services down on my 2015 Honda Accord purchased new in August 2015. Until now I have only had oil changes done. Any insight on a) likelihood these services are actually needed, and b) reasonableness of costs. I live in Washington, DC area so probably higher than average cost o...
by 3funder
Fri Jul 06, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put international?
Replies: 35
Views: 3550

Re: Where to put international?

Honestly, VTSMX and VGTSX are both low-cost equity index funds with extremely low turnover. I wouldn't worry about the overall tax efficiency of either.
by 3funder
Thu Jul 05, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: Anyone tilting heavy to international based on current forecasts?
Replies: 38
Views: 4059

Re: Anyone tilting heavy to international based on current forecasts?

I've gone from 40% international to approximately 50% international. I don't think I'd tilt heavily toward anything besides stocks as an asset class, as I am 30-35 years away from retirement.
by 3funder
Thu Jul 05, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Right decision ?
Replies: 20
Views: 2564

Re: Right decision ?

You made a wise decision.
by 3funder
Wed Jul 04, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1683

Re: Evaluating New Job Offer

MP173 wrote:
Wed Jul 04, 2018 2:47 pm
3 hours per day in travel.

That would make it a no brainer for me. I enjoy working upstairs at home.

Ed
+1.
by 3funder
Wed Jul 04, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5616

Re: How to tip

I tip 20% of the entire tab.
by 3funder
Tue Jul 03, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 no beneficiary option
Replies: 20
Views: 3887

Re: Capital One 360 no beneficiary option

This pisses me off as well. My overall experience with Capital One has been excellent over the years, and they have a lot of ATMs and branches in the DC metro area. I'd really hate to take the money I have in the 360 Money Market Account and park it elsewhere (I still maintain a checking account and...
by 3funder
Tue Jul 03, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Am I getting the run around?
Replies: 24
Views: 4232

Re: Am I getting the run around?

bloom2708 wrote:
Wed Jun 27, 2018 8:40 am
Use the Vanguard Target Date fund that matches your desired mix of stocks and bonds. Not based on some year you might retire.

If the expense ratios are reasonable. That is all you need. Max it out at $18,500 each year. :wink:
+1
by 3funder
Tue Jul 03, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: 33 year old- How am I doing?
Replies: 22
Views: 2202

Re: How am I doing?

You're saving ~15% of your income (before bonus) and are off to a good start. A few thoughts: 1. When you're wife goes back to work see if you can bank all or most of her income. In general avoid lifestyle creep. 2. I can't tell what your asset allocation is. If you can't either, figure out what yo...
by 3funder
Tue Jul 03, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Tariffs/Inflation/Rates
Replies: 24
Views: 1782

Re: Tariffs/Inflation/Rates

Regarding your question about fixed income, a mix of intermediate-term corporate and treasury bonds should do just fine. You're in this for the long haul, so keep it simple, and stay the course. In the context of long-term investing, there is no need to worry about tariffs, inflation, and rates. The...
by 3funder
Tue Jul 03, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you reach your target
Replies: 42
Views: 3125

Re: Asset Allocation once you reach your target

Probably 50/50 but that's 30 years from now.