Search found 12 matches

by LasixDrip
Fri Feb 23, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 20100

Re: Defining "House Poor"

OP, If the house price is more than 40% of your net worth excluding your house, you are "House Poor". KlangFool Couldn’t be happier to fit Klangfool’s definition of “Housepoor”. I’m blessed beyond belief, but Klangfool’s description of housepoor is the only way I could ever imagine myself “poor” in...
by LasixDrip
Fri Feb 23, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Time for twins to go to daycare
Replies: 38
Views: 3126

Re: Time for twins to go to daycare

Twins- congratulations! Things get too messy to keep things separate. There’s no way to keep things “even” or “fair” without combining them. It’s at risk to breed resentment or animosity. Kids are a great time to combine things and make sure both spouses are on the same financial planning page. Othe...
by LasixDrip
Fri Feb 23, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 20100

Re: Defining "House Poor"

OP, If the house price is more than 40% of your net worth excluding your house, you are "House Poor". KlangFool Couldn’t be happier to fit Klangfool’s definition of “Housepoor”. I’m blessed beyond belief, but Klangfool’s description of housepoor is the only way I could ever imagine myself “poor” in...
by LasixDrip
Sat Dec 30, 2017 10:57 pm
Forum: Investing - Theory, News & General
Topic: Paying off mortgage before investing at all?
Replies: 75
Views: 8922

Re: Paying off mortgage before investing at all?

Why? I would pay 0% or 10% on most of my 401K withdrawal. Most people will pay less than 25%. Even at 15%, it is a better deal than 3% to 4%. Please check out below thread before you proceed. https://www.bogleheads.org/forum/viewtopic.php?t=87471 <<How to pay ZERO taxes in retirement with 6-figure ...
by LasixDrip
Sat Dec 30, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Small Windfall
Replies: 11
Views: 1819

Re: Small Windfall

Take out your crypto earnings and pay off your student loans. It will be a wonderful gift to yourself. Just make sure you keep some money for the taxes. Congratulations on the wonderful dice roll.
by LasixDrip
Sat Dec 30, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: Paying off mortgage before investing at all?
Replies: 75
Views: 8922

Re: Paying off mortgage before investing at all?

Assuming a marginal tax rate of 25% and state income tax of 5%. Does it make any sense to pay 30% tax in order to save 3% to 4% interest on the mortgage? 30% is greater than 3% to 4%. KlangFool This is a ridiculous comparison. As though the choice is between never paying taxes on the money or payin...
by LasixDrip
Sat Dec 30, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Self made index fund results in buying high and selling low?
Replies: 20
Views: 1472

Re: Self made index fund results in buying high and selling low?

Cryptocurrencies... Don’t do it. You’ll get caught up in the vhs v beta, MySpace v Facebook. I think its gonna be a mess for a while.
by LasixDrip
Sat Dec 30, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 151
Views: 12716

Re: What non fiction book will you be reading in 2018?

Critical Care Ultrasonography by Alexander Levitov. Excited. Should have asked for this for Christmas.
by LasixDrip
Sat Dec 30, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Title Edit: Contribute More Pre-Tax? (and more) - New to BogleHeads
Replies: 14
Views: 1392

Re: Title Edit: Contribute More Pre-Tax? (and more) - New to BogleHeads

Great work getting the ball rolling! I’d put your effort toward budgeting, saving, and planning on how to increase income rather than shaving a couple basis points of expense ratio off of your target fund investment. Target funds can be a fine vehicle while you digest some of the finer asset allocat...
by LasixDrip
Wed Dec 20, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: Comparing Schwab Mutual Funds & ETFs
Replies: 16
Views: 3570

Re: Comparing Schwab Mutual Funds & ETFs

Thanks for the info, I’ve been looking for just this for a while. I’ve had a great experience w Schwab, always unsure if I should add to the ETF or mutual fund. Knew there were subtle differences, but nice to see them highlighted. I do like to see the daily changes displayed by the ETF if I check mi...
by LasixDrip
Fri Dec 08, 2017 10:28 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 191
Views: 21801

Re: Call the top! - Bitcoin

This thread got me to bite the bullet and throw down my first post.

Guess #1) $48,680 = 1 BTC
Guess #2) November 9th 2018

Cheers to everyone here! I’ve learned a bunch to date by lurking, looking forward to bantering going forward!