Search found 245 matches

by zeal
Mon Sep 14, 2020 8:21 am
Forum: Personal Finance (Not Investing)
Topic: How are we doing?
Replies: 29
Views: 2881

Re: How are we doing?

I would increase contributions to 401ks and HSA (provided they have decent investment options) since you have (A) a 1-1.5k surplus every month and (B) plenty of liquid cash available. I wouldn't worry about paying off the car or house early unless you really want to... Your rates are great.
by zeal
Sun Sep 13, 2020 9:41 pm
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 168
Views: 15246

Re: For those concerned about International Stocks...

Holding to a quote that is often repeated on this forum: "Past performance is not helpful in judging future performance.” — John C. Bogle While the table is reassuring, whether or not you choose to hold international stocks should have less to do with their historical performance and more to do with...
by zeal
Wed Aug 12, 2020 6:12 am
Forum: Personal Investments
Topic: Where to direct a new investor?
Replies: 15
Views: 1078

Re: Where to direct a new investor?

Video:Bogleheads® investment philosophy - short videos explaining the "tenets" of Bogleheads. What picture can paint a thousand Bogle words? - I bookmarked this thread a while ago, as there are a lot of great images that clearly demonstrate the benefits of investing like a Boglehead. If You Can: Ho...
by zeal
Fri Jul 31, 2020 6:28 am
Forum: Personal Consumer Issues
Topic: How long to keep a car
Replies: 110
Views: 8710

Re: How long to keep a car

Our two cars are 14 (Corolla) and 16 (Escape) years old. Around 120k and 140k miles, respectively. We are replacing the 16 year-old one soon because my wife is tired of it (she's had it for ~7 years). Both run fine, but the older one needs an alternator & alignment. I've had mine for 13 years and ho...
by zeal
Wed Jul 15, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 45
Views: 3091

Re: My very first $martphone!!! Please help me decide.

Just an update I've had the Moto G Power for almost a month now. No issues whatsoever (including with Google Maps--traveled out of state once on a 6-hr round trip). I average 2-3 hours use per day (pretty much just Chrome, Calls/Messages, SnapChat, and YouTube) and charge it once every 3-4 days. Of ...
by zeal
Wed Jul 15, 2020 7:02 am
Forum: Personal Investments
Topic: Too much in savings?
Replies: 83
Views: 9647

Re: Too much in savings?

I agree with you on paying off the mortgage. You probably wouldn't borrow money on your house at 2.5% in order to earn 1.1% in savings and liquidity. I'd pay it off today--especially if I'd still have 3-4 years'-worth of annual expenses saved in cash afterwards. I'm also with you on the home price. ...
by zeal
Wed Jul 08, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7726

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

If that's what you want, go for it. Sounds like you save plenty of money, so no reason not to reward yourself. If it were me, a wallet would be the last "luxury" I'd think to splurge on--I didn't even know wallets existed that cost that much. I've never spent more than probably $30 on a wallet and ...
by zeal
Tue Jul 07, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7726

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

If that's what you want, go for it. Sounds like you save plenty of money, so no reason not to reward yourself. If it were me, a wallet would be the last "luxury" I'd think to splurge on--I didn't even know wallets existed that cost that much. I've never spent more than probably $30 on a wallet and I...
by zeal
Wed Jul 01, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 148799

Re: Pull-ups and Push-ups

This thread is full of great information--great discussions! As someone with a small frame (5'7", 145lbs), I've always been a big fan of bodyweight fitness because it's my competitive advantage over the average person. When I was younger I was the weird kid who did flips off your trampoline or ran u...
by zeal
Fri Jun 26, 2020 8:20 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 242
Views: 14449

Re: What is the single best piece of exercise equipment you bought for your home?

Using weights to overbuild of course is unnecessary and has been known for thousands of years so shorten longevity and increase discomfort in old age. Hi tetractys - can you share your source? I haven't followed this stuff closely for a few years but I thought strength training for increased leg an...
by zeal
Thu Jun 25, 2020 10:54 am
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 11578

Re: Do you want to own the whole haystack [VTI] when someone has a blowtorch?

I like the analogy... I would rather own the haystack, especially if someone is going to take a blowtorch to it. If someone takes a blowtorch to it, which one is more likely to contain a needle: a haystack, or a handful of hay picked from a random spot within the haystack? With the haystack, you're ...
by zeal
Thu Jun 25, 2020 9:53 am
Forum: Personal Investments
Topic: Thoughts on my "equities play portfolio"?
Replies: 9
Views: 612

Re: Thoughts on my "equities play portfolio"?

I don't have any play money (our income isn't very high, all extra goes to tax-deferred accounts), so take my opinion with a grain of salt, but... I wouldn't bother holding gold/bonds, both for the same reason. Partly because of tax efficiency but mostly because if I'm setting aside $X to gamble, I'...
by zeal
Thu Jun 25, 2020 5:39 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 242
Views: 14449

Re: What is the single best piece of exercise equipment you bought for your home?

Most versatile, most challenging, and arguably most fun? Definitely my pair of wooden gymnastic rings. However, I will point out that I couldn't use them with such ease if I didn't also have a power rack. And I will also point out that buying a house with a swimming pool and a basketball goal in the...
by zeal
Fri Jun 19, 2020 5:00 am
Forum: Personal Consumer Issues
Topic: Zoom Meeting No Video Camera or Microphone
Replies: 25
Views: 2169

Re: Zoom Meeting No Video Camera or Microphone

You can click the link to join the zoom meeting any time--doesnt have to be the actual meeting time. That way you can practice. When you first join, it will have a few options: "join with computer audio" will make the meeting audio come from your computer's speakers, or "call me" lets you type in yo...
by zeal
Thu Jun 18, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 45
Views: 3091

Re: My very first $martphone!!! Please help me decide.

I'm making this same decision right now and am going with the Moto G Power. The magnetometer sensor is not that important--your maps/GPS is perfectly functional without it. Out of all the different phones I've had since my first one 15 years ago, Motorola and iPhone have always stood out to me. The...
by zeal
Thu Jun 18, 2020 6:23 am
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 45
Views: 3091

Re: My very first $martphone!!! Please help me decide.

I'm making this same decision right now and am going with the Moto G Power. The magnetometer sensor is not that important--your maps/GPS is perfectly functional without it. Out of all the different phones I've had since my first one 15 years ago, Motorola and iPhone have always stood out to me. Ther...
by zeal
Thu Jun 18, 2020 5:17 am
Forum: Personal Consumer Issues
Topic: Buy an asset to cashflow new/used vehicle?
Replies: 4
Views: 432

Buy an asset to cashflow new/used vehicle?

We are looking into replacing my wife's vehicle and the idea popped in my head to buy an asset that generates enough income to cover the car payment. Is this a common thing? How much cash would we need to put into something to afford the payment on a 15k-20k vehicle? Suggestions on type of asset to ...
by zeal
Wed Jun 17, 2020 7:28 am
Forum: Investing - Theory, News & General
Topic: Who ever follows the “Top-Ranked” Financial Advisors on the radio?
Replies: 38
Views: 3271

Re: Who ever follows the “Top-Ranked” Financial Advisors on the radio?

I listened to and followed the advice of Dave Ramsey when I first started paying attention to my finances. I’ve always been a skeptic when it comes to marketing, so I never actually bought anything from him. I got his book for free, then I just listened to his radio show because he is excellent at g...
by zeal
Wed Jun 17, 2020 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8116

Re: Would you rent your house to a famous athlete?

If it were me I’d at least consider it. If you aren’t against being a landlord, then why not give them a chance? Screen them just like any other tenant. If you don’t know how, browse the Biggerpockets forum and website—plenty of great info there and I believe they have some sort of free screening to...
by zeal
Thu Jun 11, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: What Size Home For A Family?
Replies: 87
Views: 5562

Re: What Size Home For A Family?

Totally an opinion. I grew up with a family of 5 in a 3BR/1BA, ~1250 sqft house (that's including the full-sized unfinished basement) on about 1 acre. I always loved it. I wasn't the one that had to share a bedroom though--so my siblings might disagree. Also they are both ladies, so taking turns in ...
by zeal
Thu May 28, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: Bogleheads: What is your largest single stock holding? (if any)
Replies: 79
Views: 4312

Re: Bogleheads: What is your largest single stock holding? (if any)

The only individual stock I've ever owned is my company stock, currently ~3% of my portfolio. However, I consider this play money, not retirement money. I usually sell immediately after it's awarded at end of quarter, but this time I decided to hold it for another quarter to see what happens since t...
by zeal
Sat May 16, 2020 5:10 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10854

Re: Please tell me I'm not crazy

I think it's safe to say that everyone is agreeing with your wife and recommending at least a compromise--her security is more important than your FOMO. Any money that's intended for "the next 2-5 years" timeline should not be invested in the stock market. It is too volatile and chances are that, wh...
by zeal
Fri May 15, 2020 9:31 pm
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10854

Re: Please tell me I'm not crazy

Can't do it, sorry. Happy wife, happy life. The gains on 2-months'-worth of living expenses isn't worth an argument with my wife. If she likes the "6 months" number then keep 6 months' out of the market for your rainy day fund. Or maybe you both could compromise and hold 5 months'. Do you have to se...
by zeal
Fri May 15, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6556

Re: WFW (Work from Wherever)

For what it is worth, we are planning on executing on exactly what you suggested. We're working on finding a place in the mountains for a couple of months. As long as I get my work done, they could not care less where I am. Fact is, they won't even know where I am, but I'll let them know regardless...
by zeal
Thu May 14, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173893

Re: What frugal thing did you do today?

@Zeal LOL, prompts so many questions. But to limit a to a few: 1. Do you limit 1 square per visit? 2. Do you use both sides? 3. Could you accelerate "winning the game" if you installed a bidet? May benefit by International Diversification of at least partial bidet use. 4. Do you include TP in your ...
by zeal
Thu May 14, 2020 5:13 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173893

Re: What frugal thing did you do today?

So today I changed to a new roll of TP. Nothing frugal about that... Except that I noted the date I last changed the roll (Apr 25) to determine how often I go through them. Estimating that my wife uses more than me, I figure we go through ~7 rolls a month since we have no visitors these days. I did...
by zeal
Thu May 14, 2020 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Should you include home equity in Net Worth?
Replies: 160
Views: 8199

Re: Should you include home equity in Net Worth?

I include Zillow "zestimate" as an asset and mortgage balance as a liability in our net worth calculation. We love this house and hope to stay here forever--no plans to sell. I keep track of net worth simply to keep track of it... I like to plot it on a two-line line graph: actual vs. projected.
by zeal
Wed May 13, 2020 5:42 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6556

Re: WFW (Work from Wherever)

I've worked from home for the past 5 years. If traveling for a working vacation, always make sure you have wifi or a mobile hotspot at your destination before you go. I'd agree with other posters--outside the US will be a pain for the near future, but anywhere in driving distance is certainly fair g...
by zeal
Sun May 10, 2020 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Advice for first time homebuyer? Cheapest mortgages?
Replies: 9
Views: 1104

Re: Advice for first time homebuyer? Cheapest mortgages?

Correct, that's 3.5% down payment, not interest rate. I'll tell him to look at PenFed & Bankrate. I got my first mortgage via FHA loan in 2013 and it also worked out well for me--I'll share your story with him too, rooms.

Thanks all!
by zeal
Sat May 09, 2020 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Advice for first time homebuyer? Cheapest mortgages?
Replies: 9
Views: 1104

Advice for first time homebuyer? Cheapest mortgages?

I have a friend who will be buying his first house. Is there a general consensus best/cheapest mortgage rates hub? When I bought my houses, I always just went with one of the lenders my real estate agent recommended. Also, any advice you could recommend for him? He plans to buy this year and his fia...
by zeal
Thu May 07, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173893

Re: What frugal thing did you do today?

So today I changed to a new roll of TP. Nothing frugal about that... Except that I noted the date I last changed the roll (Apr 25) to determine how often I go through them. Estimating that my wife uses more than me, I figure we go through ~7 rolls a month since we have no visitors these days. I did ...
by zeal
Tue May 05, 2020 10:05 pm
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 5022

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

Unscrew the plug and remove the hair ball with your fingers? +1 I do this with a pair of pliers and it lasts a lot longer than Drano. I use old metal coat hanger - I can make it any shape and any length I want, with the hook at the end pulling stuff up. Works like a charm. +1 The wire coat hanger i...
by zeal
Tue May 05, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage in 2 years or max out 401k
Replies: 34
Views: 2102

Re: Payoff Mortgage in 2 years or max out 401k

Same answer as everyone else... 401k & backdoor Roth would be my first priority, then mortgage. Possibly even a taxable investment account before extra payments on the mortgage. A 3.625% interest rate is not bad at all, especially if you believe your investments will perform at a better rate. Inves...
by zeal
Tue May 05, 2020 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage in 2 years or max out 401k
Replies: 34
Views: 2102

Re: Payoff Mortgage in 2 years or max out 401k

Same answer as everyone else... 401k & backdoor Roth would be my first priority, then mortgage. Possibly even a taxable investment account before extra payments on the mortgage. A 3.625% interest rate is not bad at all, especially if you believe your investments will perform at a better rate. Opport...
by zeal
Sun Feb 16, 2020 6:19 am
Forum: Investing - Theory, News & General
Topic: Thoughts on Charlie Munger's recent comments?
Replies: 84
Views: 10676

Re: Thoughts on Charlie Munger's recent comments?

My thoughts... He could be right. However, I think the status of the market only matters to someone who is trying to time the market. Not my forte, so Charlie's speculation doesn't really apply to my portfolio. Hope he's right for the sake of all those who follow his advice.
by zeal
Sat Feb 15, 2020 6:50 am
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 532
Views: 72769

Re: Your USER NAME...what does it mean?

I have a tendency to obsess and attack things with 200% focus/fervor/tenacity--my financial spreadsheets being Exhibit A. I'm also a Christian so I wanted to choose a name with a slight religious implication. In reality I'm not much of a zealot when it comes to religion--I mostly let people do peopl...
by zeal
Wed Feb 12, 2020 9:48 am
Forum: Personal Investments
Topic: New Married Couple Portfolio Advice
Replies: 21
Views: 1869

Re: New Married Couple Portfolio Advice

Yes, the placement of funds looks quite correct. International and Bond funds in your 401k, and Roth / HSA / Taxable in VTSAX. Simple. Elegant. Thank you, so for the 40% of the portfolio that is in domestic stocks within my 401k, does the proposed 25% S&P500/15%Small-Mid cap mimic the total market ...
by zeal
Wed Feb 12, 2020 9:30 am
Forum: Personal Investments
Topic: New Married Couple Portfolio Advice
Replies: 21
Views: 1869

Re: New Married Couple Portfolio Advice

Yes, the placement of funds looks quite correct. International and Bond funds in your 401k, and Roth / HSA / Taxable in VTSAX. Simple. Elegant. Thank you, so for the 40% of the portfolio that is in domestic stocks within my 401k, does the proposed 25% S&P500/15%Small-Mid cap mimic the total market ...
by zeal
Tue Feb 11, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: What do you/did you spend your bonus on?
Replies: 103
Views: 8121

Re: What do you/did you spend your bonus on?

My past bonuses haven't been above 4 figures and they always come around Christmas time when it's pretty easy to spend money. I usually plan to put half of it in savings/retirement and spend the rest on gifts for family and friends. Typically what happens though is that 90% of it gets saved. This pa...
by zeal
Tue Feb 11, 2020 12:42 pm
Forum: Investing - Theory, News & General
Topic: Why are you holding bonds
Replies: 161
Views: 11811

Re: Why are you holding bonds

I hold bonds because I look at my portfolio at least once a week, sometimes even daily. I'm still young and learning so I like to watch what my money does. What I've watched over the last couple years is that the value of our stock holdings fly wildly up and down while the value of our bond holdings...
by zeal
Mon Feb 10, 2020 11:03 pm
Forum: Investing - Theory, News & General
Topic: I have a wild [asset allocation] theory. Poke some holes in it.
Replies: 39
Views: 6612

Re: I have a wild theory. Poke some holes in it.

Really great points from all responses, thanks for your feedback. I enjoyed reading the links to Rick Ferri's Flight Path Approach and reading about Zvi Bodie was very new to me as well. Agreed--it is essentially building up a giant emergency fund (or maybe a "behavioral buffer" is a good term) init...
by zeal
Mon Feb 10, 2020 10:15 am
Forum: Investing - Theory, News & General
Topic: I have a wild [asset allocation] theory. Poke some holes in it.
Replies: 39
Views: 6612

I have a wild [asset allocation] theory. Poke some holes in it.

Heavy bond allocation upon initially beginning investing. 50/50 asset allocation or greater, perhaps even 0/100 stocks/bonds. Once the $ amount of bonds equals a comfortable number, then all future contributions go to stocks (whatever your desired US/Int'l split is). My "comfortable number" for exam...
by zeal
Wed Jan 29, 2020 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Torn Between Aggressive Home Payoff or Investing
Replies: 67
Views: 6952

Re: Torn Between Aggressive Home Payoff or Investing

Say you have a loan at 3% interest and enough extra monthly cashflow to pay it off in 10 years with extra principal payments. If you instead invest the money and it earns an average of 4% annually, then in 9 years you have enough money to pay the loan off in full if you want to. I made these numbers...
by zeal
Mon Jan 27, 2020 7:10 am
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 271
Views: 10398

Re: Do you prefer etfs or mutual funds?

Mutual funds for me, mainly because I choose simplicity and I don't really understand ETFs. Also, I like that I can buy fractional shares so that all of the cash I have allocated toward investing is actually invested. And another thing, tax is of little-to-no-consequence to me since all of my invest...
by zeal
Fri Jan 24, 2020 8:53 am
Forum: Personal Investments
Topic: New to investing, looking for advice
Replies: 21
Views: 1354

Re: New to investing, looking for advice

Welcome to Bogleheads--glad you're here. It is unfortunate that you guys have so much owed in student loans, but, on the bright side, you have a great income. When I was fresh out of college, I owed more than my income in student loans too--I know the feeling you have. Don't worry, you can handle it...
by zeal
Fri Jan 24, 2020 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1651
Views: 235756

Re: Fidelity as a one stop shop

My wife and I do essentially everything at Fidelity. We have direct deposit, debit, credit and checking. But they are all tied to our investment account, there is no CMA. The cash balance is about 6 months savings, essentially our emergency fund, and sits in SPAXX, which is earning about 1.4% inter...
by zeal
Thu Jan 23, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: FB
Replies: 356
Views: 38076

Re: Anyone Deleting Facebook?

I deleted the Facebook app from my phone ages ago, but installed the Messenger app. No notifications from Facebook ever this way (even if you turn off notifications, they still send them to you). If someone needs to reach me & doesn't have my number, they can find me on Messenger. I look at Facebook...
by zeal
Thu Jan 23, 2020 7:48 am
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10506

Re: What did you do cool with your money today?

I didn't spend any money on it, but today I found some old spreadsheets on my computer. I made them when I was broke and first learning about money. They're roughly 10 years old and I had made projections out to my age now. I planned to get into residential rental properties even though I have no in...
by zeal
Thu Jan 23, 2020 7:16 am
Forum: Personal Consumer Issues
Topic: App for bodyweight exercise
Replies: 11
Views: 1167

Re: App for bodyweight exercise

I use Google Sheets if I want to track my workout progress.
by zeal
Thu Jan 23, 2020 6:48 am
Forum: Personal Finance (Not Investing)
Topic: $2 million at a young age
Replies: 78
Views: 9127

Re: $2 million at a young age

I took a personal finance class in college and Dave Ramsey's Financial Peace University at my local church. Before those two classes, I knew next to nothing about money. Shortly afterwards, I found Bogleheads which helped me understand the finer details of managing my finances. Spend some time here ...