Search found 20 matches

by Arinbjorn
Tue Jul 31, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 96
Views: 8744

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

I'm here in Rockford IL (a bit west of Chicago's Western suburbs) and feel like you'll do well in either place. I have family in the Twin Cities area, and go to Wisconsin on occasion, love all of it. Also, someday DW and I should relocate...
by Arinbjorn
Thu Jul 26, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9270

Re: Toughest Purchase of my Life. Engagement Ring time

Moissanite. Not as cheap as CZ, but just as good as diamond (perhaps slightly better in some regards, such as light refraction.) My wife's engagement ring has a 2 carat moissanite round center stone, expertly cut, set in platinum. She loves it, other people love it. They assume because I work in the...
by Arinbjorn
Wed Jul 11, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend stocks vs. dividend ETFs
Replies: 15
Views: 1771

Re: Dividend stocks vs. dividend ETFs

At one point, the internet led me down a rabbit hole of dividend searching. At first blush, it doesn't seem unreasonable. VYM seemed like a solid pick to me. After a lot more research, and many of the thoughts illustrated before by others here, I ended up ultimately very satisified with the 3 Fund P...
by Arinbjorn
Wed Jul 11, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: When to start taxable?
Replies: 22
Views: 2085

Re: When to start taxable?

Good points all around everyone, thank you. Klangfool's point on the mortgage is one of the most direct ways to put it I have seen here - that's pretty presuasive. Not eligible for HSA. I do contribute a small amount to a 529, no kids yet, but we are trying for one. I have no debt other than my mort...
by Arinbjorn
Wed Jul 11, 2018 7:23 am
Forum: Investing - Help with Personal Investments
Topic: When to start taxable?
Replies: 22
Views: 2085

When to start taxable?

Hello Boglehead friends - I would like to pose the question, when should I consider a taxable investing account at Vanguard? I realize that optimally, I should be maxing my work 401k and Roth IRA first. I max my Roth IRA and contribute 10% to my 401k, to get full 5% employer match. I utilize the Van...
by Arinbjorn
Mon Jul 09, 2018 2:41 am
Forum: Investing - Theory, News & General
Topic: Article: Rich kids are counting on inheritance to pay for retirement
Replies: 31
Views: 4598

Re: Article: Rich kids are counting on inheritance to pay for retirement

I started investing at 18. Army TSP. We should be encouraging 18-22 year olds to utilize whatever retirement tools available to them. That being said, I'm 30. Most people my age and a bit younger, at least anecdotally from my experiences, don't have the basic Boglehead wiki knowlege, and don't have ...
by Arinbjorn
Thu Jun 21, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth Fund, Target Fund, or Total Stock Market
Replies: 45
Views: 2802

Re: Life Strategy Growth Fund, Target Fund, or Total Stock Market

*pull principal from a Roth IRA tax free for first home purchase. Sorry, on mobile and just finished a long night shift!
by Arinbjorn
Thu Jun 21, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth Fund, Target Fund, or Total Stock Market
Replies: 45
Views: 2802

Re: Life Strategy Growth Fund, Target Fund, or Total Stock Market

If it's your first home purchase, you can withdrawal your principal tax free. At least that's what I recall - can anyone second that? So get one of those, and put your house savings in the Vanguard Total Bond Market Index, or whatever you feel is safe. Pull it when you want it. For retirement - util...
by Arinbjorn
Tue Jun 19, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8623

Re: gray hair

I started losing my hair in the 6th grade. I've been shaving my head for years and love it. Doc says my testosterone levels being high can have that effect. Anyway, If the gray truely bothers you, it's a nice option to just shave it off! My yearly hair costs for shaving vs hair cuts are also practic...
by Arinbjorn
Sat Jun 16, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 214
Views: 34071

Re: Ally online savings now at 1.60%

Mine now shows 1.65%.
by Arinbjorn
Mon May 28, 2018 12:57 am
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 2760

Re: MEMORIAL DAY 2018

Taylor, thank you for your service - as a youngblood Army airborne vet myself, I always find myself so pleased to bump into someone who lived through history as you have. Working nightshift, as usual, in a major Level 1 Trauma hospital tonight. I try to work on Memorial Day, it keeps me grateful to ...
by Arinbjorn
Tue May 15, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions wanted on keeping Ameritrade and Robin Hood
Replies: 8
Views: 488

Re: Opinions wanted on keeping Ameritrade and Robin Hood

I use Robinhood as a place to park a very small amount of money I allocate to fun. Primarily green energy, and, well... green - MJ marijuana etf.

The green energy stuff has been doing well, and it makes me happy to put some money where my mouth is. MJ is volatile, but it's fun to play with.
by Arinbjorn
Tue May 15, 2018 10:51 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 3352

Re: How did you fall in love with investing?

I was introduced to investing at 18 in the military - I recall my drill sergeant exercising us all into utter puking level exhaustion while he lauded how he could be a millionaire right now if he had invested more in the TSP - the military's retirement 401k type option. The food and housing was free...
by Arinbjorn
Fri Apr 13, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: Men's Boxer briefs without brand/embossing
Replies: 10
Views: 1241

Re: Men's Boxer briefs without brand/embossing

So, new boxer briefs and new socks annually make me feel like a king. One of the few things I will splurge a bit on are those things. Duluth Trading Co has excellent offerings. My normal thing is to wait for their Thanksgiving sale, seems to be the best sale of the year. If you're tall and prefer ex...
by Arinbjorn
Fri Apr 13, 2018 1:24 am
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2378

Re: Cedar Fence: is Maintenance required?

Mine is treated, as cedar naturally has oils that help extend the life of the wood. You can certainly put a sealer on to maintain the nice cedar look if you like. Sometimes I wonder if I should have done that - years later, it looks more like a normal pine fence now. Sealer for the portion below gro...
by Arinbjorn
Tue Apr 03, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Saving For Retirement as a Millennial
Replies: 28
Views: 2996

Re: Saving For Retirement as a Millennial

Your Roth 401k vs Traditional 401k question - I too did a Roth 401k when I was making less money overall, and have switched to Traditional 401k now, making approx 65/70k in a LCOL area. My take on it, is if you make a modest income, pay the taxes when they are low. As you make more money, it feels s...
by Arinbjorn
Tue Apr 03, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Saving For Retirement as a Millennial
Replies: 28
Views: 2996

Re: Saving For Retirement as a Millennial

I'm 30 years old, and in a similiar situation. I think you're doing fine, personally. Your savings rate is great for a younger person, and I think maintaining that rate will be a key thing for your future. If you can up your savings rate each time you get a raise (if you get a 6 percent raise, maybe...
by Arinbjorn
Wed Mar 28, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Freshly Minted Boglehead
Replies: 17
Views: 1445

Re: Freshly Minted Boglehead

Thanks for your response! I think I'm at a place of satisfaction with my education/job - a lot of times it is nice to not have doctor level responsibility. Sometimes I wish I had figured out I liked medical stuff earlier in life, maybe I would have had a go - quite satisifed now though. My wife thou...
by Arinbjorn
Wed Mar 28, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 3306

Re: New 2019 RAV4 is now out - looks good

Interesting. We are looking to replace an old high mileage vehicles in a few years. Sort of browsing Toyota RAV4, Subaru Forester, Honda CR-V, Mazda CX-5. Got a year or two to save and digest the new unveilings, maybe I can snag a certified used one of these new models with low mileage. I'd ideally ...
by Arinbjorn
Wed Mar 28, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Freshly Minted Boglehead
Replies: 17
Views: 1445

Freshly Minted Boglehead

After browsing the forum as an unregistered guest for a while, I decided to take the plunge and register as a member. Hello! I read The Bogleheads' Guide to Investing and was fascinated. I am 30 years old and beginning my journey on the Bogleheads' path. To briefly recap myself - after a couple year...