Search found 228 matches

by youngpleb
Tue Dec 11, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Vague Deposit Transactions from Funds
Replies: 3
Views: 298

Vague Deposit Transactions from Funds

In my 401k plan, I hold total international, extended market, and S&P 500 index funds through Vanguard, all of which are the institutional versions. I only have about $28K total, and the holdings are about 50% S&P 500, 25% Extended Market, and 25% Total International. Every quarter, I get a few myst...
by youngpleb
Mon Dec 10, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 39
Views: 2823

Re: Spotify or Amazon Music?

I used Spotify Premium for about 2 years in grad school, and I used Amazon Music for the past 6 months. I believe I was able to find a lot more interesting music through Spotify and their recommendations, which was really cool. I found dozens of new bands that I had no idea existed. Amazon Music tri...
by youngpleb
Mon Dec 10, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 100
Views: 6310

Re: Electric bill with LED

Lighting comprises a pretty small portion of most residential energy consumption. I learned that from a consumer class put on by the local electric utility. So if that's true in your case, changing to LEDs (or candles or trained fireflies or simply living in the dark) wouldn't make a huge differenc...
by youngpleb
Mon Dec 10, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 2576

Re: Who is buying SCV, EM, Intl SC

My 401k only has total US and total international options, so I can't target specific caps or regions, but still buying away. I also maxed my Roth IRA (something something...time in the market...something something?) by April this year so I haven't been able to buy anymore Int SC or SCV, which are t...
by youngpleb
Mon Dec 10, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth Priority
Replies: 12
Views: 984

Re: Mega Backdoor Roth Priority

I generally follow advice from https://www.bogleheads.org/wiki/Prioritizing_investments in choosing where to invest my money. However, my company just announced some changes to our 401k plan. Among them is the ability make after-tax contributions with a possibility of doing a mega backdoor Roth con...
by youngpleb
Wed Dec 05, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Which REIT for Portfolio, should I even get one?
Replies: 25
Views: 1943

Re: Which REIT for Portfolio, should I even get one?

leo28 wrote:
Tue Dec 04, 2018 3:19 pm
Im not exactly sure what part of VTSAX they really make up and if its enough to be diversified in them.
Here's a nice list of a whole lot of Vanguard index funds and what percentage they are made up of REITs.

https://www.bogleheads.org/wiki/Percent ... ndex_funds
by youngpleb
Sun Nov 25, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Good Windows PC for programming / development
Replies: 23
Views: 1394

Re: Good Windows PC for programming / development

It also depends on what kind of programming you will be doing. If it will be heavy machine learning for example, you’ll want a good graphics card to handle the heavy data crunching and lots of RAM. Just “normal” kind of stuff like .NET and the like, then you just want a good CPU, a healthy dose of R...
by youngpleb
Tue Nov 20, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17143

Re: Vanguard lowering Admiral level to $3,000?

Well, I'm pretty hyped up now. This was great news! :sharebeer
by youngpleb
Tue Nov 20, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Market Timing? - Transferring funds to 3 fund portfolio and rebalancing to lower asset allocation at same time
Replies: 11
Views: 1013

Re: Market Timing? - Transferring funds to 3 fund portfolio and rebalancing to lower asset allocation at same time

Technically it would only be locking in a loss if your account hasn’t made any investment returns, ever. Otherwise you are just locking in sub-optimal gains :mrgreen:
by youngpleb
Fri Nov 16, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Fresh graduate seeking guidance
Replies: 8
Views: 717

Re: Fresh graduate seeking guidance

I also began my career at 26 (all of one year ago :mrgreen: ) I guess it really depends on your salary, but I would suggest maxing out tax-advantages accounts—your 401k, an IRA, and HSA if possible— while saving for that down payment. You’ve got possibly the best selection funds I’ve ever seen for y...
by youngpleb
Sat Nov 10, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 45826

Re: Whats your number to walk away?

I think the number for me scales down as I get older. Right now at 27, I’d want to have 10 mil. Is that what I need to be FI? Haha no, I think that would be more like 2 mil. But if I hit 10 million I’d definitely slap the eject button right now. :mrgreen:
by youngpleb
Sat Nov 10, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 3747

Re: Roth Investment Theory

It really just comes down to how you feel about past statistical data, like the market often going up more than it goes down and therefore money that is in the market longer has a better chance of increasing. For instance, I deposited a few big lumps this year and was done by April, but with the rec...
by youngpleb
Sun Nov 04, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 8067

Re: Teaching kids there is an ample amount of money

I plan on teaching my future kids that daddy was thrifty and worked his butt off in school and at his job so he and mommy don’t have to worry about money anymore. I do plan on emphasizing that it is mom and dad’s money, and not theirs though. And that I hope they will follow the same principles I did.
by youngpleb
Sat Nov 03, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8592

Re: WSJ FIRE

Haha I like that the article phrases things in such a way that it makes FIRE not seem realistic for the average person. All the ones who shake their heads at this article and the concept of FIRE can keep working to help keep the economy strong while I retire early :mrgreen:
by youngpleb
Tue Oct 30, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Target Funds & Dividends/Interest
Replies: 6
Views: 836

Re: Target Funds & Dividends/Interest

Mutual funds hold on to any dividends and interest they receive from their holdings, reinvesting the money until it is paid out. I would expect the target-date funds to reinvest the dividends they receive from the underlying funds back into those funds. Similarly, if you, as a target-date fundholde...
by youngpleb
Mon Oct 29, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Target Funds & Dividends/Interest
Replies: 6
Views: 836

Target Funds & Dividends/Interest

Hi everyone, So this might be an easy question, but I've struggled when googling for the answer. How exactly do target funds handle dividends and bond interest that their holdings generate? I have access to some nice Vanguard target funds at .08% ER in my 401k, but I hesitate to use one because I do...
by youngpleb
Mon Oct 15, 2018 9:03 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 54
Views: 5009

Re: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]

This is why it’s good to only check in on your portfolio occasionally. You miss stuff like this :sharebeer
by youngpleb
Sun Oct 14, 2018 7:18 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2031
Views: 377738

Re: What are you up YTD? [Year To Date]

All my gains have been obliterated and I’m officially in the negative about 2%, which is mainly due to my 1/3 international AA I’d reckon. I just started investing 13 months ago though, and my next paycheck contribution wil be for more money than what I am in the hole for right now anyways! :mrgreen:
by youngpleb
Wed Oct 10, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Millennials & Money Data
Replies: 25
Views: 3241

Re: Millennials & Money Data

Speaking as a millennial, very few of my fellow millennial friends contribute to their retirement accounts. And of the ones who do, i think the majority has indicated they contribute enough to get the company match.
by youngpleb
Sat Oct 06, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11827

Re: “It’s probably wise to sell to the sleeping point.”

Interesting. The 5-10% reduction in stocks would have many here wagging their fingers and chanting “market timing” if someone mentioned doing that in a post.
by youngpleb
Sat Sep 29, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Pondering Pros/Cons of Defensive Investing Starting Out
Replies: 12
Views: 972

Pondering Pros/Cons of Defensive Investing Starting Out

Hi everyone, So I was reading an article the other day at the Four Pillar Freedom blog about the first 100k and how basically from your run-of-the-mill 5-7% market returns, usually about 85-90% of the total amount once you hit $100,000 is money you have saved and the remainder is returns. So this go...
by youngpleb
Sat Sep 29, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: How to set up direct deposit to Vanguard Prime Money Market?
Replies: 29
Views: 3375

Re: How to set up direct deposit to Vanguard Prime Money Market?

Well, I’m saving for a house and I’ve got my auto-investments set to buy Prime Money Market. So you could go that route if this is a recurring thing.
by youngpleb
Wed Aug 15, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4836

Re: Adult piggy bank

I’ve got a big pickle jar that I toss my change in. When it starts to fill up, I wrap the coins, take them to the bank, then put most of it in my taxable investments account. Did this last month and it was about $300. Took me about 20 months to accumulate that haha.
by youngpleb
Wed Aug 08, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Learning to Draw-Online course?
Replies: 8
Views: 700

Re: Learning to Draw-Online course?

I haven’t checked but I would guess that there are some good free tutorials by talented artists on YouTube as well.
by youngpleb
Wed Aug 08, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 50327

Re: MoviePass-Too good to be true, but it's legit.

Bought some HMNY stock with a bit of play money today. Expecting it to go to zero I reckon, but I like the company's idea and hopefully they'll find a way to survive. :mrgreen:
by youngpleb
Tue Aug 07, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 973
Views: 104943

Re: [What TV Show Have You Recently Watched?]

I just finished up the final season of Longmire on Netflix tonight. I’d rate it as a good series that beats any of the Big 3 cop shows hands down. Now to search for my next series...
by youngpleb
Tue Jul 31, 2018 9:36 pm
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 68
Views: 7784

Re: Are millennial botching their asset allocations?

As a 27 year old who frequents this website, I am not botching my asset allocations. However, I do find concerning the number of my friends/coworkers who have either little to no ability to save, no concern about their retirement, or just trusting their financial advisor blindly. Same. I’m also 27,...
by youngpleb
Mon Jul 30, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 3318

Re: The Guy with the Weird Portfolio

No. Less diversification is not better and also not the Boglehead way.
by youngpleb
Mon Jul 23, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 8370

Re: Engineers come in.

I’m not an engineer per say (does software engineer count? :mrgreen: ) but I will say that I didn’t really apply myself in calc 1 because I was taking 18 credits (6 classes) and the homework was ungraded and optional. I got an A, but it was very close and I crammed like crazy for the final exam. Whe...
by youngpleb
Sun Jul 15, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 35
Views: 2878

Re: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

Title says it all. I've already maxed out my Roth IRA in January and am working on trying to max out my 401k as well by the end of 2018. I have never maxed out my 401k before. Just turned 28. My math works out on paper; however, I've come to appreciate the ever changing complexity of life situation...
by youngpleb
Sun Jul 15, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4404

Re: All-In VTSAX

Current AA: 67% US, 33 % Int'l Reasoning: Not so much about current performance of Int'l. I think in the long term, US will either performance better or equally as good as Int'l. Either way, there's no need for Int'l. All the big caps in VTSAX already have businesses outside of US. By having VTSAX ...
by youngpleb
Sun Jul 15, 2018 3:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 550
Views: 64210

Re: I think I hit 100k on retirement milestone?

Checked my account on mint today and I see that it hit 100k. I actually hit it a few months ago but I was switching jobs and lost my match which put me under. I rolled over my old 401k to new 401k and I assume it doesn't just carry over the match that I lost... the numbers I think are reflecting ac...
by youngpleb
Sun Jul 15, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4404

Re: All-In VTSAX

HI BH friends, Thinking about getting rid of IEMG and VEA and all-in VTSAX . This is for retirement fund. I am asking for advice if getting rid of emerging market and international are acceptable from boglehead investment style? i.e, I am trying to consolidate more and more into 2 Fund portfolio. T...
by youngpleb
Mon Jul 09, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with recruiters
Replies: 20
Views: 2192

Re: Dealing with recruiters

Getting an estimated salary range seems like a great Step 1 in the process of dealing with a recruiter. Business is business. Why should you have to sit through their pitch without knowing what the salary would be? I'd get that first or tell them to not waste my time.
by youngpleb
Mon Jul 09, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Book Recommendations for a new Boglehead
Replies: 8
Views: 806

Re: Book Recommendations for a new Boglehead

All of the above is great advice. I'd also recommend "A Random Walk Down Wall Street" once you've read through a few of the above. It helped me get rid of that itch to add an active fund to my portfolio :mrgreen:
by youngpleb
Mon Jul 09, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 6479

Re: Any Dry Powder Strategies?

A fund that is 60% equities is not really "dry powder." Also, I don't have any such strategy. I like my money working as hard as possible every day for me. If it gets cut if half, that's ok. I've got the time. :beer Yeah, but where does that name come from? I'm not American. Some times I'm surprised...
by youngpleb
Sun Jul 08, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?
Replies: 30
Views: 2544

Re: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?

It seems to me that investing in SCV is completely contradictory for Bogleheads, particularly having a substantial allocation towards SCV. Aren't we Bogleheads supposed to believe in reversion to the mean, and that the past is not prologue? How do those who invest in SCV reconcile with those founda...
by youngpleb
Sun Jul 08, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: need help with picking funds in retirement portfolio
Replies: 4
Views: 387

Re: need help with picking funds in retirement portfolio

One possibility is you go Option 1 and therefore get the best ER and also max out an IRA or Roth IRA and go full international in that. It really depends on how much you make, but that would give you a decent chunk of international equity allocation since the IRA would be $5,500/year contributions. ...
by youngpleb
Sat Jul 07, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3639

Re: Trying to hit grand slam with small % portfolio?

I put a bit into cryptocurrencies, where if it actually takes off I’ll do quite well (not exactly a home run though) and if it fails then I’m out a small sum. It’s good because it takes my mind off the stock market. Watching the crypto go up/down 20% in a day is pretty fun.
by youngpleb
Sat Jul 07, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?
Replies: 32
Views: 4184

Re: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?

Re. timelessness, it amazes me that folks still buy The Intelligent Asset Allocator, which is coming up on its unrevised twentieth anniversary. Just got my copy in the mail last week. :mrgreen: Good writing never goes out of style, not to mention the mathematical nature of that book makes it quite ...
by youngpleb
Fri Jul 06, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5568

Re: Every Other Friday Off

Pretty much everybody in my area at work (there's like 10 of us) does something like that schedule. A couple of us like me basically do that but take a half-day every Friday instead of every other Friday off. Sometimes I wonder about transitioning back to a 5x8 workweek instead because I think it wo...
by youngpleb
Fri Jul 06, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Multi-unit garbage woes..
Replies: 20
Views: 1707

Re: Multi-unit garbage woes..

I reported it, just for the sake of getting it on record somewhere. If the dumpster keeps getting full like this I may ask them to put up a cheap trail camera just to catch the perpetrators in the act. I've found that it's pretty common for random pickup trucks to come by after the dumpster is empt...
by youngpleb
Fri Jul 06, 2018 7:49 am
Forum: Investing - Theory, News & General
Topic: Active Management Justification
Replies: 33
Views: 2163

Re: Active Management Justification

I’d say that it is quite a logical leap to go from a single fund outperforming the index over 7 years to actively managed funds being consistently better performers over the long term (30+ years). Plenty have tried to make the case for active investing in international markets, but that goes against...
by youngpleb
Fri Jul 06, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Can you help me figure out how much emergency fund $ I REALLY need?
Replies: 38
Views: 3166

Re: Can you help me figure out how much emergency fund $ I REALLY need?

No I’d say 10K is not enough for you. It’s called an “emergency” fund for a reason! 3-6 months expenses. You never know what life will throw at you.
by youngpleb
Thu Jul 05, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Can't participate in 401k for 1 year
Replies: 33
Views: 2669

Re: Can't participate in 401k for 1 year

Hello, I have a bit of a problem with starting my retirement savings. My job does not let me contribute employee contributions until the 1 year mark. I've read a little about using sign on bonus to open a solo 401k and was wondering if I would be able to do this. I will have a sign on bonus that is...
by youngpleb
Wed Jul 04, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 73
Views: 8277

Re: Rodents ate my car!

Yeah, a squirrel chewed through some of my Jeep cherokee’s fuel tank wiring about 10 years ago. Ended up costing about $600 IIRC. I contemplated the rodenticide route afterwards, but I couldn’t bring myself to do it to the cute little furry suckers. :mrgreen:
by youngpleb
Wed Jul 04, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1839

Re: Evaluating New Job Offer

I agree with the other post that you should try to get a counter offer from your company. It sounds like they treat you well so it seems like a reasonable course of action. Not saying they will match the new salary, but if they give you a 10%-20% raise I think that is the optimal outcome.
by youngpleb
Wed Jul 04, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 6027

Re: How to tip

20%-25% pre-tax for adequate to good service, down to 15% for bad service.
by youngpleb
Wed Jul 04, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 3117

Re: If you tilt toward Small Cap Value, how much do you tilt?

25% of my US stocks are SCV. For my portfolio as a whole, it's around 16.5% US SCV.
by youngpleb
Tue Jul 03, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10487

Re: What’s your plan for a market downturn?

lostdog wrote:
Tue Jul 03, 2018 10:18 am
Do you manually contribute to your Vanguard account or do automatic? If you manually contribute to your Vanguard account, you'll still see your balances. I thought of your plan too of deleting the app but I manually add to my vanguard Roth and taxable.
Automatic all the way. :sharebeer