Search found 56 matches

by Esq123
Fri Apr 19, 2019 4:12 pm
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 6112

Re: Savings by 30?

:beer
by Esq123
Sun Apr 14, 2019 8:09 pm
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 6112

Re: Savings by 30?

Thanks for the replies.
by Esq123
Sat Apr 13, 2019 5:41 pm
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 6112

Re: Savings by 30?

16 million?? Lol nice...hope you’re retired.
by Esq123
Sat Apr 13, 2019 11:16 am
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 6112

Re: Savings by 30?

Thanks for the replies all. :sharebeer
by Esq123
Fri Apr 12, 2019 2:28 pm
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 6112

Re: Savings by 30?

Interesting. Thanks all. I am also married and have a household income of more than 200k....so I guess I’ll just keep on saving... But I also understand some points that I’m only 30 once and to enjoy a little. I do try to enjoy a nice bottle of wine and go out to nice restaurants every once in a whi...
by Esq123
Thu Apr 11, 2019 9:37 pm
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 6112

Savings by 30?

Please advise if you had a savings goal by 30. For some reason I’ve always had a goal to accumulate 100k by the age of 30. If you have more than 100k saved are you on the right track? I suppose it depends on your goals/ ambitions. Right now I have some student loan debt but have around 135-140k in s...
by Esq123
Wed Mar 20, 2019 9:26 am
Forum: Personal Investments
Topic: Weed stocks?
Replies: 36
Views: 2518

Weed stocks?

Should I gamble a lot of money on weed stocks? Marijuana may be legal soon here in NJ.

Only kidding, sort of. Lol.
by Esq123
Wed Mar 20, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Buy or lease new car
Replies: 24
Views: 2512

Re: Buy or lease new car

Thanks for the replies all.

I’ve noticed quite a few deals where you can lease a car for x but you need to pay x down at signing.

I would prefer to pay 0 down at signing. Is this something they will work with me on?
by Esq123
Tue Mar 19, 2019 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Buy or lease new car
Replies: 24
Views: 2512

Buy or lease new car

Hey all- I am beginning to think about getting a new car (specifically a suv) since maintenance costs are increasing on my current suv. I currently own my car and I am thinking about leasing my next one. I guess my question is whether leasing is a good option for someone like me who doesn’t want to ...
by Esq123
Wed Nov 14, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7747

Are you all staying the course?

How are you all handling the recent market volatility? Everyone staying the course? I am content for now that I am not 100% equities.
by Esq123
Fri Nov 09, 2018 11:37 am
Forum: Personal Investments
Topic: Save/Invest with Student Loans?
Replies: 13
Views: 1586

Re: Save/Invest with Student Loans?

Hello- I am also in a similar situation (sort of) but I have less loans. I am down to around 45k in student loans. I refinanced w/ Earnest at 4.5%. I am hoping to pay off my loans in 5-8 years. I am also contributing up to match for my 401k and maxing HSA. I also do some taxable investing too in ord...
by Esq123
Wed Oct 10, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 7088

Re: Best headphones under 500 bucks

I’m trying to find headphones that will give me the best sound for a wide range of music. Everything from classical to hip hop. I’m ok with paying up to 500 bucks, more if it’s truly worth it. I hear Bluetooth doesn’t have as good a sound as wired. Headphones that don’t bleed sound much would be gr...
by Esq123
Wed Oct 10, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11666
Views: 2009515

Re: Stocks tumbling?

It is not causing distress for the record lol. I guess as a young investor I should be taking advantage of any drops in the market. :moneybag
by Esq123
Wed Oct 10, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11666
Views: 2009515

Stocks tumbling?

[Thread merged into here, see below (next page). --admin LadyGeek] Anyone know what could potentially be causing this drop? There does not appear to be any significant recent events that could cause investors to be concerned. Trying to mutter to myself "stay the course stay the course." I guess we ...
by Esq123
Mon Oct 08, 2018 10:54 am
Forum: Personal Investments
Topic: Taking advantage of market dips
Replies: 4
Views: 489

Taking advantage of market dips

As a young investor, everyday this market keeps dipping I keep adding money to my index fund.

Anyone taking advantage of the dips in the market as well?

I really do not think we are in for a bear market; it will go back up eventually.
by Esq123
Fri Sep 28, 2018 8:07 am
Forum: Personal Investments
Topic: Zero minimum index fund options
Replies: 7
Views: 974

Re: Zero minimum index fund options

Hello- I am in FSTVX at Fidelity and it has been a fine index fund. I believe they modified it recently (lower ER and no minimum to invest).
by Esq123
Tue Aug 28, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1409
Views: 137596

Re: U.S. stocks continue to soar!

gluskap wrote:
Tue Aug 28, 2018 1:03 pm
US stocks continue to soar - NW goes up YAY!
US stocks in freefall - sale on stocks YAY!

Either way I'm happy.
+1
by Esq123
Tue Aug 28, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1409
Views: 137596

Re: U.S. stocks continue to soar!

What goes up.....

Seriously, stop talking about it. Don't jinx it please.
by Esq123
Tue Aug 28, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 8346

Re: Marriage [How should finances be handled?]

Thanks for the replies all.

Now I just need to get through this wedding :shock: :P
by Esq123
Tue Aug 28, 2018 2:45 pm
Forum: Personal Investments
Topic: Investing in Taxable account for early retirement
Replies: 18
Views: 1653

Re: Investing in Taxable account for early retirement

Hi, I was just looking for others opinions on this idea before I jump the gun. The past couple of years, I've been maxing out my 401k and Roth IRA currently (age 28) I've also chipping in some extra to my taxable account every paycheck after I filled up my IRA. I've calculated out (given 6% return ...
by Esq123
Tue Aug 21, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy engagement ring?
Replies: 61
Views: 5479

Re: Where to buy engagement ring?

I went to a local jewelry store and got a good deal. I would highly recommend before you even step into a jewelry store to know all about the 4Cs (carat, color, clarity, cut). You will appear much more knowledgeable by doing so. Also, know your budget too. Good luck.
by Esq123
Mon Aug 20, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5640

Re: How much do you put away in investments?

Hello everyone, Im just curious to see how much everyone puts away every year into investments and what percentage of gross income that is. I personally put away about 65k a year total into 401, IRA, taxable accounts at about 15% of my gross income. I feel like we should be putting more into invest...
by Esq123
Tue Aug 14, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: How do index funds affect stock valuations?
Replies: 16
Views: 1480

How do index funds affect stock valuations?

Hey all- Sorry if this has been discussed before or is not a good question- But my question here is does investing in an index fund in any way shape or form affect stock valuations? So if I drop say 50-100k in an index fund will this have any affect on stock prices for the day? In contrast, if I sel...
by Esq123
Tue Aug 14, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 8346

Re: Marriage [How should finances be handled?]

Thanks for the replies all. I see all of your points about joining all finances. I will give this some thought. However, I do want to give her some privacy as well. Also, I am worried that if we see all that money in a joint account we will spend more than we should. She does make a good income and ...
by Esq123
Mon Aug 13, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 8346

Marriage [How should finances be handled?]

Hi all, I will be getting married next month. Me and the fiancée are both investing and paying down student loans in accordance with the boglehead way. Now I am here for guidance as to what actions should be taken financially after marriage. Do we continue investing/saving/ paying down our student l...
by Esq123
Tue Jul 24, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Need more excitement
Replies: 48
Views: 4907

Need more excitement

First let me say I am following all of the advice on this forum and I appreciate it. I am a young investor trying to stay the course. However, I need a bit of excitement. Does anyone dedicate any portion of your portfolios to gambling? Trying not to develop any bad habits but waging a few dollars he...
by Esq123
Thu Jun 28, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey against index funds?
Replies: 57
Views: 6730

Dave Ramsey against index funds?

Hi all- I have been listening to Dave Ramsey lately and noticed there is a theme: he is against investing in index funds and believes you can find funds that beat the market. Well I’m a relatively young investor (30 years old) and predominantly invest in low cost index funds based on all the knowled...
by Esq123
Fri Jun 22, 2018 6:37 am
Forum: Personal Investments
Topic: Age 30 portfolio review
Replies: 4
Views: 1067

Re: Age 30 portfolio review

Thanks for the replies all.

I’ve been following this forum for a solid year or so. Trying to become great at saving/investing as you all are.

Saving in my taxable account for a house but flexible on the timeframe. I will give some thought to paying off loans at a quicker rate.
by Esq123
Thu Jun 21, 2018 4:44 pm
Forum: Personal Investments
Topic: Age 30 portfolio review
Replies: 4
Views: 1067

Age 30 portfolio review

Me: Emergency fund: 15k Other cash available in checking/savings: ~20k Taxable account: ~50k all in FSTVX (contributing around 1k a month here;saving for goals over 10 years, but may not touch it for even longer.) 401k: ~15k in target date fund (contributing up to employer match at 6%) HSA: ~3k (max...
by Esq123
Tue Apr 10, 2018 11:29 am
Forum: Personal Investments
Topic: Looking for good way to invest with 0 to few years time horizon
Replies: 7
Views: 658

Re: Looking for good way to invest with 0 to few years time horizon

You will find that most people here will say to stash that money in a high yield savings account. You will want that money to stay liquid and not lose value. Perhaps check out alley bank.
by Esq123
Sat Mar 10, 2018 9:35 am
Forum: Personal Investments
Topic: Amount saved by age
Replies: 58
Views: 10317

Amount saved by age

I know everyone’s circumstances are different; however, is there a general rule of thumb as to how much you should aim to save by age group?

I am a young investor fyi (29).

Thanks all.
by Esq123
Tue Jan 09, 2018 3:40 pm
Forum: Personal Investments
Topic: Taxable Fidelity Account - FSTVX vs ITOT
Replies: 57
Views: 10018

Re: Taxable Fidelity Account - FSTVX vs ITOT

I hold FSTVX in my taxable account. So far it been pretty good. It does create some dividends. However, please note the customer service at fidelity has been second to none... Hope this helps. Top [/quote] It in fact does not help. FSTVX creates more than dividends; as mentioned above there are sig...
by Esq123
Tue Jan 09, 2018 1:34 pm
Forum: Personal Investments
Topic: Taxable Fidelity Account - FSTVX vs ITOT
Replies: 57
Views: 10018

Re: Taxable Fidelity Account - FSTVX vs ITOT

I hold FSTVX in my taxable account. So far it has been pretty good. It does create some dividends. However, please note the customer service at fidelity has been second to none...

Hope this helps.
by Esq123
Wed Jan 03, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes [Do it yourself or use tax software?]
Replies: 39
Views: 3625

Re: Taxes

Thanks for the responses all. I need to revise my question as I probably wrote this while distracted with something else. Lol.

I meant to ask whether you should hire a professional to do your taxes or whether it acceptable to use tax software.

Thanks.
by Esq123
Tue Jan 02, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes [Do it yourself or use tax software?]
Replies: 39
Views: 3625

Re: Taxes

Welcome to Bogleheads. I see you just recently joined. I use Turbo Tax. The first place to look for this and other questions is to type appropriate keywords into the google search box. A search for "tax software" brings up this recent thread by example. https://www.bogleheads.org/forum/viewtopic.ph...
by Esq123
Tue Jan 02, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes [Do it yourself or use tax software?]
Replies: 39
Views: 3625

Taxes [Do it yourself or use tax software?]

Do you do your own taxes or use tax software? If you do your own taxes then what company do you use? If you use tax software then what do you use?

Thanks all.
by Esq123
Tue Jan 02, 2018 1:17 pm
Forum: Personal Investments
Topic: Dividends
Replies: 40
Views: 4858

Re: Dividends

OP here....

Some people noted that it is a pain come tax time when reinvesting dividends in a taxable account. Don’t you just input any forms into TurboTax and they will compute any tax consequences for you? Please advise.

Thanks.
by Esq123
Fri Dec 29, 2017 8:06 pm
Forum: Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 5348

Re: Maxing out retirement accounts

Thinking of it as "maxing out" retirement accounts confuses strategy with tactics, IMO. What you need to determine is what you want to save and what it's for-- that's the strategy. Where you put it -- tax-advantaged accounts, taxable, etc. is a matter of tactics. This concise statement should be a ...
by Esq123
Fri Dec 29, 2017 6:50 pm
Forum: Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 5348

Re: Maxing out retirement accounts

Thanks for the feedback all.
by Esq123
Thu Dec 28, 2017 11:20 pm
Forum: Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 5348

Re: Maxing out retirement accounts

I think you’re fine. I’m in a similar boat, finally starting working a few years ago and while I do contribute the maximum to my pretax retirement accounts, it is harder to save on top of that for down payments because of student loans, car payments, etc.... Just gotta start somewhere keep saving y...
by Esq123
Thu Dec 28, 2017 10:25 pm
Forum: Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 5348

Re: Maxing out retirement accounts

Just curious how many of you maxed out retirement accounts when you first began investing. I feel like it’s just not realistic when you first begin with all the bills, loans, and short/ midterm goals. I suppose each year my income increases more will go toward those retirement accounts. Let me know...
by Esq123
Thu Dec 28, 2017 10:08 pm
Forum: Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 5348

Re: Maxing out retirement accounts

Just curious how many of you maxed out retirement accounts when you first began investing. I feel like it’s just not realistic when you first begin with all the bills, loans, and short/ midterm goals. I suppose each year my income increases more will go toward those retirement accounts. Let me know...
by Esq123
Thu Dec 28, 2017 9:23 pm
Forum: Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 5348

Re: Maxing out retirement accounts

Esq123, A) You choose to spend first and save later. B) Some folk chooses to "Pay Yourself First" aka save first and spend later. The median household income in the USA is about 60K. So, the median family spends about 20K per year. How much do you spend per year? KlangFool My salary is around 85k a...
by Esq123
Thu Dec 28, 2017 9:13 pm
Forum: Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 5348

Re: Maxing out retirement accounts

My salary is around 85k a year and I spend probably 30-35k a year on necessities. I’m in my late 20s. Hoping to hit a 6 figure salary in the next few years. Saving 15% each year for retirement seems more reasonable as others have mentioned... right now I’m just contributing up to my employer match....
by Esq123
Thu Dec 28, 2017 9:04 pm
Forum: Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 5348

Re: Maxing out retirement accounts

Just curious how many of you maxed out retirement accounts when you first began investing. I feel like it’s just not realistic when you first begin with all the bills, loans, and short/ midterm goals. I suppose each year my income increases more will go toward those retirement accounts. Let me know...
by Esq123
Thu Dec 28, 2017 8:43 pm
Forum: Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 5348

Re: Maxing out retirement accounts

Just curious how many of you maxed out retirement accounts when you first began investing. I feel like it’s just not realistic when you first begin with all the bills, loans, and short/ midterm goals. I suppose each year my income increases more will go toward those retirement accounts. Let me know...
by Esq123
Thu Dec 28, 2017 6:43 pm
Forum: Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 5348

Maxing out retirement accounts

Just curious how many of you maxed out retirement accounts when you first began investing. I feel like it’s just not realistic when you first begin with all the bills, loans, and short/ midterm goals. I suppose each year my income increases more will go toward those retirement accounts. Let me know ...
by Esq123
Tue Dec 19, 2017 5:56 pm
Forum: Personal Investments
Topic: Advice for young investors
Replies: 10
Views: 1272

Advice for young investors

Please respond with how long you’ve been investing and any advice you may have for young investors.

Thanks :)
by Esq123
Mon Dec 18, 2017 12:58 pm
Forum: Personal Investments
Topic: Dividends
Replies: 40
Views: 4858

Re: Dividends

OP here. Thanks for the replies.

Next question is how are dividends taxed?

Are dividends in FSTVX, for example, considered qualified dividends and taxed at a lower rate?

Thanks. :)
by Esq123
Sun Dec 17, 2017 11:57 am
Forum: Personal Investments
Topic: Dividends
Replies: 40
Views: 4858

Dividends

This has probably been discussed before, but does mostly everyone here automatically reinvest their dividends in a taxable account? If not, then why?

Thanks :sharebeer