Search found 29 matches

by champion_ham
Sun Oct 14, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Blue Ridge Suggestions
Replies: 4
Views: 754

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: 754

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: 636

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: 1926

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: 2958

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: 5422

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: 2323

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: 3253

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: 5812

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: 1849

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: 5683

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: 1964

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: 1119

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: 1533

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: 2315

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: 1018

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: 6958

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: 2406

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: 7174

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: 9495

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: 980

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: 9495

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: 980

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: 980

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: 980

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: 980

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: 980

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...
by champion_ham
Thu Apr 26, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with highly skewed+multiple Portfolio management
Replies: 4
Views: 490

Re: Need help with highly skewed+multiple Portfolio management

Emergency funds: 10 Months of expenses for each spouse (me and my wife still live in separate cities for work, so we have still have our separate emergency savings) Debt: Auto Loans – Her: $15k ~$300 total interest My only suggestion would be to use your emergency fund to pay off the auto loan; no ...
by champion_ham
Thu Apr 26, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3406
Views: 1013957

Re: What Book Are You Currently Reading? Part VI

Destiny of the Republic: A Tale of Madness, Medicine and the Murder of a President Finished with about 1/3rd of the book, and it's fascinating! Amazon description: James A. Garfield was one of the most extraordinary men ever elected president. Born into abject poverty, he rose to become a wunderkin...