Search found 52 matches

by champion_ham
Mon Jan 21, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 16
Views: 1122

Re: Student Loans

Why live under this burden of debt for 10 years? ...Especially when you and your CPA are having to jump through all these hoops to hide income. Your details are light, but if you roll up your sleeves, you could probably have this debt paid off in a few years.
by champion_ham
Mon Jan 21, 2019 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Afoot or on horseback?
Replies: 22
Views: 1522

Re: Afoot or on horseback?

I see a lot of Class A and Class C shares in your Fidelity and Ameriprise accounts, which I don’t like the look of... Google definitions to see what that means exactly. You should list the expense ratios of each fund next to the name. Between, the class shares, expense ratios, and assets under manag...
by champion_ham
Mon Jan 21, 2019 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance or not?
Replies: 4
Views: 432

Re: Rebalance or not?

I wouldn’t bother with rebalancing every year, especially if you’re going to lose money doing it. Many would say rebalancing every year is overrated. If I was you, I’d set rebalancing bands in your Investor Policy Statement (IPS) and not worry about your AA until it reaches those bands. Example: Don...
by champion_ham
Sun Jan 20, 2019 11:47 pm
Forum: Personal Consumer Issues
Topic: What to do this weekend in Tokyo?
Replies: 19
Views: 1417

Re: What to do this weekend in Tokyo?

Personally, I just enjoy wandering, but just get out of Roppongi because it feels like a US suburb. +1. Tokyo is one of my favorite cities. As an FYI, make sure you have cash on hand. As far as international cities go, Tokyo is very much NOT a cashless city. Many vendors don’t accept credit cards.
by champion_ham
Sun Jan 20, 2019 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 43
Views: 2200

Re: For those with both Vanguard and Schwab

02nz wrote:
Sun Jan 20, 2019 1:29 pm
IMO Schwab has better customer service and definitely a better website.
+1 and 24/7 customer service. I much prefer Schwab over Vanguard.
by champion_ham
Sun Jan 20, 2019 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus check: Towards down payment, debt, or emergency fund?
Replies: 19
Views: 1400

Re: Bonus check: Towards down payment, debt, or emergency fund?

Congrats on the bonus! I agree you should knock out the student loans with the highest interest rates. I’d work to get the remaining debt knocked out as quickly as possible soon after. Not sure how old you and your wife are, but your retirement savings seems really light. I’d make due in your curren...
by champion_ham
Sun Jan 20, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?
Replies: 88
Views: 4846

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Check out the pants at Betabrand (www.betabrand.com). They have a style of pants called “Best Travel Pants” that might interest you, depending on your style. They also sell “Dress Pant Sweatpants” that are sweat pants but look like dress slacks and are really comfortable. Safe travels!
by champion_ham
Sun Jan 20, 2019 11:04 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 119
Views: 6486

Re: Grocery shopping strategy

Wondering if we're selling ourselves short. Walmart is not the cheapest place to shop; they’ve just done a great job marketing themselves as the cheapest. While it doesn’t sound like you want to do any coupon clipping, I think the best overall tip is to make a list of grocery items you’re shopping ...
by champion_ham
Sun Jan 20, 2019 10:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789891

Re: U.S. stocks in free fall

^I'm retired, so the concept of emergency fund does not apply as has been discussed many times on the forum, but hey give me a situation where I need 6 months of expenses all in cash on a Tuesday afternoon and I'll write a novel about it. Thanks! Fair enough. I'm not retired yet. But I could imagin...
by champion_ham
Fri Jan 18, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best kids savings account
Replies: 22
Views: 1795

Re: Best kids savings account

livesoft wrote:
Thu Jan 17, 2019 6:32 am
(Some of you might be surprised that we even had to do this since our bank is WellsFargo and one might have expected that WellsFargo would automatically have done this without our permission.)
LOLOL!!
by champion_ham
Fri Jan 18, 2019 3:38 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 118
Views: 10407

Re: Neil Cavuto's video tribute

Taylor Larimore wrote:
Thu Jan 17, 2019 10:03 pm
Bogleheads:

You will enjoy this very nice eight-minute video tribute by Neil Cavuto, television news anchor:

Remembering the late Wall Street legend John Bogle"

Best wishes.
Taylor
Thanks for posting, Taylor. The video was very well done. Mr. Bogle was a great man.
by champion_ham
Thu Jan 17, 2019 8:45 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 118
Views: 10407

Re: Tributes to Jack Bogle

RIP, Mr. Bogle, from an ordinary investor who will be forever grateful for you and your service. Godspeed, sir.
by champion_ham
Sat Jan 12, 2019 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Schwab 3 Fund Example in the Wiki Still the Model?
Replies: 12
Views: 558

Re: Schwab 3 Fund Example in the Wiki Still the Model?

My Schwab 3-fund portfolio consists of: Schwab Total Stock Market Index (SWTSX) Schwab International Index (SWISX) Schwab US Aggregate Bond Index (SWAGX) I’m sure you could get more creative or more granular, breaking the market into smaller and smaller slices, but sometimes simpler is better. The ...
by champion_ham
Fri Jan 04, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Low flow shower head
Replies: 42
Views: 2466

Re: Low flow shower head

Just looked and saw my 2 are pumping out 2.5 gpm. Seems there's quite a few doing 1.5 gpm. Anyone switch to one they like with good results? I work out a lot and shower twice a day without any trouble. Figuring this could really help. Low flow? I don't like the sound of that. http://www.seinfeldscr...
by champion_ham
Thu Jan 03, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve points
Replies: 19
Views: 2317

Re: Chase sapphire reserve points

Definitely use the points. We use our points on Hyatt since it’s one of the best redemptions.
by champion_ham
Thu Jan 03, 2019 10:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Why I became a Boglehead
Replies: 22
Views: 3105

Re: Why I became a Boglehead

I somehow stumbled upon BH earlier this year when researching which mutual funds I should buy. After reading more about the philosophy and realizing we were paying ~$7k in fees annually between the high ERs and AUM fee to our advisor, I was sold. Made the switch in May and haven’t looked back. Thank...
by champion_ham
Thu Jan 03, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Visa on Arrival Hanoi Vietnam
Replies: 6
Views: 796

Re: Visa on Arrival Hanoi Vietnam

I got an e-visa before traveling to Vietnam and the process was smooth. I can’t speak to the visa on arrival process. Why don’t you get an e-visa before arrival, so the worry and hassle of getting a visa when you land is removed?

E visa site: https://evisa.xuatnhapcanh.gov.vn/trang-chu-ttdt
by champion_ham
Mon Dec 31, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034618

Re: What Book Are You Currently Reading? Part VI

DW and I recently got into the HBO Game of Thrones series and finished binging the final episode last night. Since I enjoyed the tv series so much, I ordered the first novel tonight on Amazon. Looking forward to reading. Hoping it’s at least as good as the HBO series.
by champion_ham
Mon Dec 31, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Mountain Condo
Replies: 15
Views: 2298

Re: Buying a Mountain Condo

Congrats! While I’ve never been to the area in which you bought, I have been to Wyoming multiple times and love it. It’s a beautiful state. Enjoy, and have happy new year!
by champion_ham
Mon Dec 31, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1791

Re: Happy New Year Do you have plans?

DW and I just picked up a pizza from Dominos (too cheap to have it delivered). We’ll be ringing in the new year by finishing the 2nd season of Ozark on Netflix. Last night, we finished catching up on the rest of Game of Thrones. Happy New Year all! :sharebeer
by champion_ham
Fri Dec 28, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5606

Re: Shoes to wear with jeans to the office?

Get a pair of Cole Haan sneakers. They look great with jeans.
by champion_ham
Sun Dec 02, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21014

Re: Best values at Costco? Honestly, a little disappointed...

Here are a few items we consistently purchase at Costco: Gas, paper towels, toilet paper, garbage bags, $1.50 hot dog, wine, chicken, etc., etc. Their chicken is probably the best deal. $5 for a turkey-sized chicken already cooked. Gasoline is also their best deal if you have one with gas. Not so g...
by champion_ham
Sun Dec 02, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21014

Re: Best values at Costco? Honestly, a little disappointed...

Here are a few items we consistently purchase at Costco:

Gas, paper towels, toilet paper, garbage bags, $1.50 hot dog, wine, chicken, etc., etc.
by champion_ham
Sun Oct 14, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Blue Ridge Suggestions
Replies: 4
Views: 766

Re: Blue Ridge Suggestions

Do you like to hike, rock climb, or bungee jump? Visit botanic gardens or science museums or factory tours? Eat exotic foods, gourmet cuisine or CostCo hotdogs? Do you like stately mansions, water skiing or religious pilgrimage sites? Do you like to drive on the Interstate or windy dirt roads? Woul...
by champion_ham
Sat Oct 13, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Blue Ridge Suggestions
Replies: 4
Views: 766

Blue Ridge Suggestions

My wife and I live about 90 miles from Blue Ridge, GA and looking to take a day-trip in the next couple of weeks. (Wouldn't be opposed to spending a night or two there if there are some good local places to stay.) Any suggestions on things to see/do/lodging?

Thanks!
by champion_ham
Sat Oct 13, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Guidance
Replies: 8
Views: 666

Re: Portfolio Guidance

Personally, I'd simplify further.

His Roth IRA: VTSMX (100% of Roth IRA portfolio)
His Traditional IRA: VTSMX (77% of Traditional IRA portfolio) / VBMFX (23%)
His 401k: VINST (100%)
Her Traditional IRA: VGTSX (100%)
Her Roth IRA: VTSMX (100%)
by champion_ham
Sun Sep 30, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Help me with avoiding liability for personal injury on our property
Replies: 23
Views: 1964

Re: Help me with avoiding liability for personal injury on our property

Not sure about signage, but you should definitely get an umbrella policy through your insurance company to protect you.
by champion_ham
Tue Sep 18, 2018 9:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Jack Bogle Bobblehead
Replies: 24
Views: 3102

Re: Jack Bogle Bobblehead

triceratop wrote:
Tue Sep 18, 2018 11:55 am
So, in the spirit of representativeness let me say that I will definitely not be buying one.
LOL!
by champion_ham
Sat Sep 08, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 58
Views: 5678

Re: Is individual Bonds better than Bond Fund?

Did you see what happened to Tesla bonds yesterday?
by champion_ham
Thu Aug 30, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: Buy what others are selling and Sell what others are buying?
Replies: 19
Views: 2350

Re: Buy what others are selling and Sell what others are buying?

I wouldn’t necessarily subscribe to this philosophy/saying... I tried this in the 2008 timeframe when I bought shares of GM stock for ~$10/share. People were selling, so I thought it would be a great time to buy. In a few months, the stock was worthless. Lesson learned. :oops:
by champion_ham
Sun Jul 29, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for son and daughter-in-law
Replies: 58
Views: 3300

Re: Life Insurance for son and daughter-in-law

My wife and I are in our late 20’s. We each got a 20-year term policy worth 10x our annual income. We are both in good health. We pay about $35/month ($70 total). I recommend shopping around...definitely wouldn’t get a policy through work, as life happens and jobs change.
by champion_ham
Sat Jul 14, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Big 4 Who Jumped to Industry - Compensation
Replies: 35
Views: 6087

Re: Big 4 Who Jumped to Industry - Compensation

I think this all depends on the industry and company you're jumping to, as well as your work ethic. A family member of mine worked at big 4 in audit and jumped to industry after about 1.5 years. The family member started at a comparative salary to the big 4 salary, but work-life balance increased ex...
by champion_ham
Wed Jul 11, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Relocation to Atlanta
Replies: 16
Views: 1886

Re: Relocation to Atlanta

Check out West Midtown area. There are some great schools and neighborhoods (Springlake, Wildwood, Collier Hills). This website has a great description of Buckhead neighborhoods https://beacham.com/communities/buckhead
by champion_ham
Wed Jul 04, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Anxiety Spending Money
Replies: 52
Views: 5740

Re: Anxiety Spending Money

Hello CJ, I think that since you live with your parents and have no real expenses, take the $25k in cash/stocks you’ve saved and put it towards your student loan balance. It would take a huge weight off your shoulders. Paying off the remaining balance of $5k shouldn’t take too long after. Download a...
by champion_ham
Sun Jun 24, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA investment question
Replies: 22
Views: 1998

Re: Roth IRA investment question

Welcome! I don't think you're wrong in choosing just 1 fund if you're looking for simplicity. However, if you're concerned about your target fund account becoming too conservative over time, it would be worthwhile to determine what your target asset allocation should be by creating an investment pol...
by champion_ham
Sun Jun 24, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Help a 'Three Funder' Allocate Inherited IRA
Replies: 10
Views: 1167

Re: Help a 'Three Funder' Allocate Inherited IRA

With RMDs immediately on the horizon, you want the Inherited IRA to grow as slowly as possible and push the growth likely from your AA to your 401(k)s. Thus, I suggest you put your entire bond allocation in the Inherited IRA. Then fill the balance in the Inherited IRA with your equity fund(s). This...
by champion_ham
Sat May 26, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Minor car accident two years ago. How long till clear record?
Replies: 14
Views: 1557

Re: Minor car accident two years ago. How long till clear record?

My wife and I currently have USAA and pay ~$78/car. She has a clean driving record (no wrecks/tickets). I’ve had a small fender-bender about 5 yrs ago that was my fault but no wrecks or tickets. I believe it typically takes about 6 years for an accident to roll off your record. (I had State Farm whe...
by champion_ham
Mon May 14, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: When is the right time to buy a house?
Replies: 28
Views: 2512

Re: When is the right time to buy a house?

I am 28 btw. Everyone says not to waste money on rent. Personally, I just waited so long because I haven't done any research on home buying. bogglek3sh4v, You are single. You should not buy a house. Your future spouse will force you to get a different house. KlangFool This happened to my brother-in...
by champion_ham
Tue May 08, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Young investor, any advice?
Replies: 9
Views: 1055

Re: Young investor, any advice?

As others have stated, pay off your car loan asap. Regarding moving your money from EJ... a simple email will suffice. Below is an email I sent my financial advisor recently (I saw another BH post a similar email on the forum, and below is my edited version)... Hi X, After a few months of research, ...
by champion_ham
Mon May 07, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 7176

Re: How much car to buy on $250K income, $200K NW, newborn on the way

I'd suggest no more than 50% of your take-home pay... so no more than $48K.
by champion_ham
Fri May 04, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Las Vegas shows
Replies: 22
Views: 2515

Re: Las Vegas shows

BruDude wrote:
Fri May 04, 2018 8:26 pm
Absinthe best show by far.
I 100% agree with this
by champion_ham
Fri May 04, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway B
Replies: 65
Views: 7479

Re: Berkshire Hathaway B

Saw this article on MarketWatch this morning titled, "Here’s how Warren Buffett’s stock picks for Berkshire Hathaway have performed in 2018" In short: Berkshire Hathaway B shares beat S&P 500 3-yr total return by 3% but lost to the S&P 500 in 5-yr total return and 10-yr total return by 3% and 14%, r...
by champion_ham
Fri May 04, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 9971

Re: Bucket List Adventures/Activities

1. Visit Bora Bora 2. African safari (check out Ngorongoro Crater) 3. See the Northern lights 4. Visit Kakslauttanen Arctic Resort (stay in an igloo) 5. Travel Southeast Asia (Bangkok, Singapore (check out Marina Bay Sands), Vietnam, Bali, etc.) 6. Visit the Galapagos Islands 7. Drive the Pacific C...
by champion_ham
Thu May 03, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/Advice
Replies: 11
Views: 1054

Re: Portfolio Review/Advice

Thanks for the suggestion!
by champion_ham
Thu May 03, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 9971

Re: Bucket List Adventures/Activities

1. Visit Bora Bora 2. African safari (check out Ngorongoro Crater) 3. See the Northern lights 4. Visit Kakslauttanen Arctic Resort (stay in an igloo) 5. Travel Southeast Asia (Bangkok, Singapore (check out Marina Bay Sands), Vietnam, Bali, etc.) 6. Visit the Galapagos Islands 7. Drive the Pacific Co...
by champion_ham
Thu May 03, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/Advice
Replies: 11
Views: 1054

Re: Portfolio Review/Advice

For a three-fund portfolio it doesn't matter if there are multiple accounts. You can lump them all together for asset allocation purposes. Until your post and reading The Bogleheads' Guide to Investing, I hadn't thought about thinking about all of your accounts as one portfolio. I had the mindset o...
by champion_ham
Thu May 03, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/Advice
Replies: 11
Views: 1054

Re: Portfolio Review/Advice

1) Your portfolio is unnecessarily complex, and could be greatly simplified. 2) When you have decided on a plan, an allocation and funds to use, I suggest just going ahead and making the change. Create your plan before making any changes. 3) Her 401k does have some very nice index funds to use -- N...
by champion_ham
Tue May 01, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/Advice
Replies: 11
Views: 1054

Re: Portfolio Review/Advice

More on no. 1. Since you have a reasonable AA selected, do a little spreadsheet work to see what combination of funds and accounts can reduce your fees paid. Stick with index where you can. Dig a little deeper on the available Schwalb funds, they have better index than the ones listed. Nice work. T...
by champion_ham
Tue May 01, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/Advice
Replies: 11
Views: 1054

Re: Portfolio Review/Advice

Oi, my head hurts. Too many separate funds to wrap my mind around. Can you summarize by asset class, across the different accounts? That would give a better sense of what you hold. I agree with the premise of your post: too complex. Glad you agree. I'll spend some time editing the post to ensure th...
by champion_ham
Tue May 01, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/Advice
Replies: 11
Views: 1054

Portfolio Review/Advice

Hi Bogleheads! I’m new to Bogleheads, but I’ve already learned so much and now see how simple it could be to manage my own retirement portfolio, instead of paying the 1% AUM fee. Our portfolio seems overly complex and there appears to be a lot of overlap. Looking for any advice/suggestions you all m...