Search found 72 matches

by anthonyphamy
Fri Oct 16, 2020 2:55 pm
Forum: Personal Investments
Topic: All in on VTSAX
Replies: 136
Views: 12997

Re: All in on VTSAX

I'm 31 and just now starting my investing journey. I plan on buying FZROX and nothing else every month for at least the next decade. FYI in a taxable account FZROX has the potential to be less tax effcient than an ETF. You might consider buying an ETF (VTI or ITOT) instead. How come an ETF would be...
by anthonyphamy
Fri Oct 16, 2020 1:39 pm
Forum: Personal Investments
Topic: All in on VTSAX
Replies: 136
Views: 12997

Re: All in on VTSAX

I'm 31 and just now starting my investing journey. I plan on buying FZROX and nothing else every month for at least the next decade. FYI in a taxable account FZROX has the potential to be less tax effcient than an ETF. You might consider buying an ETF (VTI or ITOT) instead. How come an ETF would be...
by anthonyphamy
Sun Sep 20, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3341

Re: Best shoes for running?

Second running shoe store whether they help analyze your gait. They can help determine if you pronate or not. It truly does come down to the fit and comfort for you though, so go with your gut. Shoes that have proven me well include Nike Pegasus, Brooks Glycerin, and Asics Kayanos, which generally h...
by anthonyphamy
Tue Sep 08, 2020 2:08 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1230
Views: 131369

Re: Jack Bogle - Two Fund Portfolio

An excellent article about Mr. Bogle’s thoughts on ETFs, International Stocks, and International Bonds: https://www.thestreet.com/retirement/iras/roth-iras/jack-bogle-trump-is-wrong-etfs-are-bogus-and-foreign-investing-is-useless-13326091 Great read. Thank you for sharing. Because of you and this t...
by anthonyphamy
Mon Sep 07, 2020 10:49 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1230
Views: 131369

Re: Jack Bogle - Two Fund Portfolio

An excellent article about Mr. Bogle’s thoughts on ETFs, International Stocks, and International Bonds: https://www.thestreet.com/retirement/iras/roth-iras/jack-bogle-trump-is-wrong-etfs-are-bogus-and-foreign-investing-is-useless-13326091 Great read. Thank you for sharing. Because of you and this t...
by anthonyphamy
Mon Sep 07, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Online cheap eyeglass prescription lenses...
Replies: 24
Views: 2108

Re: Online cheap eyeglass prescription lenses...

I've had some good luck with warby parker. Any others, or is it on the pricier end?
by anthonyphamy
Tue Aug 04, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: Speed up old computer
Replies: 64
Views: 3487

Re: Speed up old computer

I have bought SSD and RAM from crucial.com and happy with them. I second a clean install, SSD would make a huge difference. If you want to try using a lighter operating systems like Linux, then Linux Mint would be a good option as well.
by anthonyphamy
Sat Aug 01, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 Gas vs Hybrid?
Replies: 64
Views: 3499

Re: Toyota RAV4 Gas vs Hybrid?

Although the hybrid drivetrain is more complicated, Not sure I agree with you on that one. The Toyota Hybrid Synergy Drive is actually not as complicated as some would think. It doesn't have an alternator. There are no drive belts to break. There are no gears, not even reverse. There's no transmiss...
by anthonyphamy
Thu Jul 30, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 Gas vs Hybrid?
Replies: 64
Views: 3499

Re: Toyota RAV4 Gas vs Hybrid?

I bought one about a year ago - went with gas as it was thousands cheaper (don't look at MSRP difference - look at what you will actually pay - gas version you can get around invoice; hard to negotiate the hybrid - up closer to MSRP). Pretty good gas mileage on the gas version - no need to go hybri...
by anthonyphamy
Thu Jul 30, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 Gas vs Hybrid?
Replies: 64
Views: 3499

Re: Toyota RAV4 Gas vs Hybrid?

I recommend the hybrid. More power and uses less gas. To me, no brainer. However, this assumes you have the financial position to buy a new car. I am in the position to buy a new car. You may also consider the new plug-in hybrid version too. It's a bit more expensive, but has a tax credit that most...
by anthonyphamy
Thu Jul 30, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Toyota RAV4 Gas vs Hybrid?
Replies: 64
Views: 3499

Toyota RAV4 Gas vs Hybrid?

Good morning Bogleheads, I am planning to buy a new car this year and am between either a gas only or hybrid 2020 Toyota RAV4 base models. I would like a car that I could hold onto for about 15 years, with low cost of maintenance and good reliability. Based off my 2019 mileage, I calculated I should...
by anthonyphamy
Sat Jul 25, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 150
Views: 20181

Re: Vitamix Worth It?

Yes, so much. We moved on from the Ninja.
by anthonyphamy
Sat Jul 25, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Family expanding - Time for a 3 row SUV
Replies: 69
Views: 3949

Re: Family expanding - Time for a 3 row SUV

Why does this forum seem to recommend the Honda Odyssey for a van choice, and why not the Toyota Sienna?
by anthonyphamy
Wed Jul 08, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: Time for a new car?
Replies: 41
Views: 2858

Re: Time for a new car?

Good evening everyone, Thank you all so very much for the great, informative responses. I found them all enlightening, knowledgeable, and helpful. From what I’ve gathered, it’s justifiable to start looking for a replacement car. I greatly appreciate the more car mechanic-focused posters, as I don’t ...
by anthonyphamy
Wed Jul 08, 2020 6:52 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Guide to The Three-Fund Portfolio: 200 Ratings. 4 1/2 Stars
Replies: 9
Views: 978

Re: Bogleheads Guide to The Three-Fund Portfolio: 200 Ratings. 4 1/2 Stars

I just bought a book for my resident who just graduated. Thank you for your service and knowledge.
by anthonyphamy
Mon Jul 06, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Time for a new car?
Replies: 41
Views: 2858

Time for a new car?

Good afternoon everyone, I hope everyone is staying safe and healthy. I have come to this forum previously regarding a laptop and cellphone purchase with great input and success and now come seeking advice on a car purchase. I have a 2004 Toyota Solara with approximately 160,000 miles. In general, i...
by anthonyphamy
Sat Jun 27, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 58
Views: 4070

Re: Update current laptop or buy new one?

:D I plan on trying the new Linux Mint Cinnamon 20 now that it's released. With the new SSD and the 8gb ram stick I'm going to add, it should run it well, and if not I'll try the XCFE version.
by anthonyphamy
Sat Jun 27, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: Trade in iPhone 6s Plus for $350 off iPhone 11?
Replies: 14
Views: 1348

Re: Trade in iPhone 6s Plus for $350 off iPhone 11?

The trade in deal only applies when purchasing the iPhone X or 11 lines.
by anthonyphamy
Sat Jun 27, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: Trade in iPhone 6s Plus for $350 off iPhone 11?
Replies: 14
Views: 1348

Re: Trade in iPhone 6s Plus for $350 off iPhone 11?

Good morning everyone, As always, I am overwhelmed with the advice and time put into everyone’s responses. I greatly appreciate it very much. Regarding some of the questions above: 1. Mmmodem, thank you very much for the breakdown. That was very helpful! 2. GuyInFL, From my understanding, it is stra...
by anthonyphamy
Fri Jun 26, 2020 11:09 pm
Forum: Personal Consumer Issues
Topic: Trade in iPhone 6s Plus for $350 off iPhone 11?
Replies: 14
Views: 1348

Trade in iPhone 6s Plus for $350 off iPhone 11?

Good evening and happy Friday everyone, I hope everyone is doing well, and I come to this forum seeking advice, as this forum has been a wealth of knowledge so far. I currently have an iPhone 6s Plus that works fairly well. All the functions work properly, except for the main camera which can't focu...
by anthonyphamy
Thu Jun 18, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 58
Views: 4070

Re: Update current laptop or buy new one?

Good morning, Again, thank you everyone for all your time and advice. I wanted to give an update as well seek more expertise if willing. I recently inherited a Aspire E 15 E5-575-33BM (approximately 2 years old) with Intel Core i3-7100U, 4 gb RAM, with working laptop hinge :D as my daily driver. I u...
by anthonyphamy
Sun Jun 14, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4681
Views: 1289381

Re: What Book Are You Currently Reading? Part VI

Iron Gold by Pierce Brown.
by anthonyphamy
Thu Jun 04, 2020 12:28 am
Forum: Personal Consumer Issues
Topic: Linux Users- Are you running antivirus?
Replies: 21
Views: 1402

Re: Linux Users- Are you running antivirus?

Linux Mint 19.3 XFCE here, and nope.
by anthonyphamy
Sat May 30, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2700

Re: Fold Flat Seats in a 2019/2020 car

Interesting post, OP. I too, actually am starting to look for a car to replace my current one, and I have been looking at the Toyota RAV4 and Subaru Forester as well. Coincidentally, I also have the same interest of car camping and would like a car with seats that fold flat in the back. I'm sad to h...
by anthonyphamy
Sat May 30, 2020 1:18 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 88
Views: 5918

Re: New Vehicle: Forester or Rav4 for boglehead couple

What'd you end up getting? I'm deciding between those two as well. Although with the RAV4, I'm also considering the hybrid and Prime (with the EV rebates) as potential options. Thanks.
by anthonyphamy
Thu May 28, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 58
Views: 4070

Re: Update current laptop or buy new one?

Good morning everyone. Thank you for the further advice and suggestions. I am further convinced to keep an eye out for a Lenovo, specifically a ThinkPad to replace this laptop. I will proceed with getting an inexpensive SSD from crucial.com, to see the impact of of the performance, but moreso for th...
by anthonyphamy
Tue May 26, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 58
Views: 4070

Re: Update current laptop or buy new one?

Good evening everyone. Thank you so much for the great insight, feedback, and advice. I truly, greatly appreciate it. After reading everyone's comments, I decided that I will try to upgrade the HDD to a SSD, as a trial as well as a fun project. I found some fairly reasonably priced SSDs on crucial.c...
by anthonyphamy
Sun May 24, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 58
Views: 4070

Update current laptop or buy new one?

Happy Sunday everyone. I have a 2012 Dell Inspiron N5110 that is pretty well used. It can't last being unplugged more than 45 minutes, and the laptop hinge comes apart if not opened the right way. I just added Linux to the OS using dual boot and it has helped with the speed and memory usage. However...
by anthonyphamy
Thu Feb 20, 2020 11:35 pm
Forum: Personal Investments
Topic: Where to invest emergency fund?
Replies: 27
Views: 2667

Re: Where to invest emergency fund?

Interesting mix of a tax inefficient mutual fund and a muni bond ETF. Any particular reason for that that? We have to pay taxes on savings account anyways, so don't see paying taxes on STAR fund to be a big deal. We bought STAR a while back. Besides, it's not a significant holding. Ah, I was alludi...
by anthonyphamy
Thu Feb 20, 2020 2:02 pm
Forum: Personal Investments
Topic: Where to invest emergency fund?
Replies: 27
Views: 2667

Re: Where to invest emergency fund?

We have our EF split between STAR fund, VTEB, and savings account. We also have mutual funds and ETFs in taxable if necessary. Interesting mix of a tax inefficient mutual fund and a muni bond ETF. Any particular reason for that that? We have to pay taxes on savings account anyways, so don't see pay...
by anthonyphamy
Sun Feb 16, 2020 11:00 pm
Forum: Personal Investments
Topic: Investing money for the next 6 years
Replies: 34
Views: 4369

Re: Investing money for the next 6 years

Muni bond funds only make sense for individuals in high tax brackets. However, the numbers are kind of skewed because bond fund yields are currently so low. I think just based purely on 30 day SEC yield, under your current tax brackets VTEB would likely come out on top (better pre-tax yield equival...
by anthonyphamy
Fri Feb 14, 2020 8:12 pm
Forum: Personal Investments
Topic: Investing money for the next 6 years
Replies: 34
Views: 4369

Re: Investing money for the next 6 years

Since you are okay with the potential of some loss, you could probably just do an AA of 50/50 with VTSAX/VTI (Vanguard Total Stock Market) and an intermediate bond fund. Depending on your tax bracket I would suggest VBTLX (Vanguard Total Bond Market) or VWITX (Vanguard Intermediate Term Tax Exempt ...
by anthonyphamy
Fri Feb 14, 2020 8:29 am
Forum: Personal Investments
Topic: Investing money for the next 6 years
Replies: 34
Views: 4369

Re: Investing money for the next 6 years

Any recommendations for a good vanguard fund to invest money that I will need within 6 years from now? I can't afford to lose more than 30% of my money. This is for a taxable account. Thanks. Since you are okay with the potential of some loss, you could probably just do an AA of 50/50 with VTSAX/VT...
by anthonyphamy
Thu Feb 13, 2020 12:42 pm
Forum: Personal Investments
Topic: Investing money for the next 6 years
Replies: 34
Views: 4369

Re: Investing money for the next 6 years

Any recommendations for a good vanguard fund to invest money that I will need within 6 years from now? I can't afford to lose more than 30% of my money. This is for a taxable account. Thanks. Since you are okay with the potential of some loss, you could probably just do an AA of 50/50 with VTSAX/VT...
by anthonyphamy
Sun Feb 02, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9672

Re: Suggestions for wife's new luxury (or non luxury) SUV????

I am also considering a SUV (eg, RAV4, CX5, Forester). But the thought of a sedan is in the back of my mind (eg, Camry, mazda6). Any thoughts on why your wife is considering a SUV over a sedan? Is it for ease of getting in and out? Or is it visibility? Safety?
by anthonyphamy
Thu Nov 28, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1230
Views: 131369

Re: Jack Bogle - Two Fund Portfolio

Thank you to Taylor Lairmore for introducing me to the 3 fund portfolio 3 years ago, and thank you abuss368 for starting this great thread. I consolidated 4 funds (total stock, total international stock, total bond, VPMAX) to 2 funds (total stock, total bond) with 90/10% AA. I very much like the si...
by anthonyphamy
Thu Nov 28, 2019 12:12 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1230
Views: 131369

Re: Jack Bogle - Two Fund Portfolio

Thank you to Taylor Lairmore for introducing me to the 3 fund portfolio 3 years ago, and thank you abuss368 for starting this great thread. I consolidated 4 funds (total stock, total international stock, total bond, VPMAX) to 2 funds (total stock, total bond) with 90/10% AA. I very much like the si...
by anthonyphamy
Thu Nov 28, 2019 12:30 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1230
Views: 131369

Re: Jack Bogle - Two Fund Portfolio

Thank you to Taylor Lairmore for introducing me to the 3 fund portfolio 3 years ago, and thank you abuss368 for starting this great thread. I consolidated 4 funds (total stock, total international stock, total bond, VPMAX) to 2 funds (total stock, total bond) with 90/10% AA. I very much like the sim...
by anthonyphamy
Mon Nov 25, 2019 1:58 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 633
Views: 91347

Re: Flaunt Your High-Mileage Car

Slacker :wink: From 11/1/19 upthread: 2004 Toyota Solara with 275,380 miles left the house this week after being donated. I'll venture that your Solara is in better condition than mine is/was. Durable and reliable car though! Haha, nice work! My car has an oil burning issue, burning about 1 quart p...
by anthonyphamy
Tue Nov 05, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 633
Views: 91347

Re: Flaunt Your High-Mileage Car

2004 toyota solara 160k miles
by anthonyphamy
Mon Oct 14, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 58
Views: 10065

Re: 2019 Subaru Forester Vs. 2019 Rav 4

Thank you very much for the responses. I like how the Forester has android auto, AWD, better visibility, and slightly cheaper than the RAV4. My biggest concern with the Forester is the transmission reliability. Reviewing Consumer Reports, the Forester was recommended by best compact SUV the past 2 y...
by anthonyphamy
Mon Sep 30, 2019 1:39 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 58
Views: 10065

Re: 2019 Subaru Forester Vs. 2019 Rav 4

I too am deciding between 2019 RAV4, 2019 Forester, and now the released 2020 Forester. I see that US News rated the Mazda CX5 highly compared with the CRV, however I'm unsure about the CX5's reliability, as well as the higher cost of the CRV for added safety features, makes me lean more towards the...
by anthonyphamy
Thu Jul 25, 2019 1:25 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 95
Views: 9330

Re: MBA worth it?

Interesting question and responses. I've actually found myself in a similar situation. 30yo staff pharmacist (salary ~165k/year) with options of: A. Online MBA school (definitely not ranked highly) fully funded by company, includes some days off to "study". My thoughts for the MBA would be for perso...
by anthonyphamy
Sat Jan 26, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: MBA vs real estate license vs both?
Replies: 20
Views: 1752

Re: MBA vs real estate license vs both?

GOod morning, Agreed, the SDSU MBA program is a strong regional program. Unfortunately, the executive MBA program is being re-evaluated and didn't run a cohort for fall 2018, and looks like it's on hold. Thanks for the insight for both SDSU and CTU. That's a good idea regarding the CA real estate li...
by anthonyphamy
Fri Jan 25, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: MBA vs real estate license vs both?
Replies: 20
Views: 1752

Re: MBA vs real estate license vs both?

My general rule of thumb is that if you are going to stay in the same industry, it does not really matter what MBA school you attend. If you are going to change careers, you need to go to a highly respected school. FWIW, I attended a top 10 MBA school because I was changing careers. Essentially you...
by anthonyphamy
Fri Jan 25, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: MBA vs real estate license vs both?
Replies: 20
Views: 1752

Re: MBA vs real estate license vs both?

Good morning, I appreciate the ongoing discussion as I find these points very helpful in navigating my decision making for my future goals. 1. CTU business school is accredited by ACBSP. My company will pay 100% if I attend CTU. I'm not certain the value my company has for MBA with people in my fiel...
by anthonyphamy
Thu Jan 24, 2019 12:23 am
Forum: Personal Finance (Not Investing)
Topic: MBA vs real estate license vs both?
Replies: 20
Views: 1752

Re: MBA vs real estate license vs both?

Good evening, My company is affiliated with Colorado Technical University, and will only pay 100% of tuition through this school. Hence me looking into the online MBA program at this school. (link: https://www.coloradotech.edu/degrees/masters/business/general) My company does offer to pay 3500 for t...
by anthonyphamy
Wed Jan 23, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: MBA vs real estate license vs both?
Replies: 20
Views: 1752

Re: MBA vs real estate license vs both?

Good afternoon, Thank you for all the helpful responses. 1. Regarding which state, I currently live in California, and therefore would follow CA licensure. I haven't looked into any brokerages that I would want to work under yet. 2. I don't want to quit my job and become a R/E salesman. I do strongl...
by anthonyphamy
Tue Jan 22, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: MBA vs real estate license vs both?
Replies: 20
Views: 1752

MBA vs real estate license vs both?

Good evening, I am a recent pharmacist graduate 30 years old, now working full time, very happy with my job, but looking for the next step/challenge. Loans are all paid off, maxing out my IRA/401k, and currently saving for a down payment for my first home. I am debating between MBA and/or real estat...
by anthonyphamy
Sat Dec 29, 2018 11:11 am
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 154
Views: 13762

Re: My favorite Boglehead posters

ruralavalon