Search found 387 matches

by e5116
Sat Aug 18, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Investment in a Taxable Account
Replies: 20
Views: 1647

Re: Automatic Investment in a Taxable Account

I really wouldn't worry about the "tax inefficiency" of mutual funds. As long as you're sticking to total US/intl stock, they're pretty darn efficient. The convenience factor of automatic investing far outweighs it. As stated, at Vanguard, they're equally efficient too. I've had automatic investing ...
by e5116
Thu Aug 16, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 45
Views: 2710

Re: Seattle- mandatory affordable housing units affect single family home values?

Ironically, I have a 54-unit five story building that overlooks my backyard and I like it. Admittedly, it was there before I purchased my home and is comprised of $200-$300k condos (which is probably "affordable housing" in Seattle!) And my city actually requires developers to have a certain percent...
by e5116
Thu Aug 16, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 54
Views: 6267

Re: Teachers Who Have Net Worth of $1 million +

It very much depends on where you live and teach. I know quite a few teachers. Most do not seem to be concerned so much about net worth. Their pensions are, or will be, 87.5% of salary after 35 years (plus SS in my state) and they are now well into middle age making in the $80K to $95K range. Newer...
by e5116
Thu Aug 16, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 33
Views: 3462

Re: Almost 30 - Check In

I realize this is a financial forum, but basically anytime somebody brings up buying an engagement ring, people say it's too expensive and not worth it. The person I'd ask about that is your girlfriend. You know her better than anonymous people on the internet. Many women -- not all -- really want a...
by e5116
Wed Aug 15, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2589

Re: 33 Male, how am I doing?

I think you're doing pretty well overall and should be pleased. One thing I don't understand is that you say you contribute to a Roth but you have only $12k at age 33? You must have just started a couple years ago on contributions to the Roth. Similarly, I'd expect more than $39k in taxable brokerag...
by e5116
Sun Aug 12, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Joint checking accounts.
Replies: 26
Views: 1943

Re: Joint checking accounts.

I think a lot of the philosophy on this stems from WHEN people get married. If you're both in your 40s and have had independent careers for a while, you're used to having your own account and may want to keep it that way for autonomy. If you get married young before careers and assets have been deve...
by e5116
Fri Aug 10, 2018 3:19 am
Forum: Personal Finance (Not Investing)
Topic: Landlord advice needed with section 8
Replies: 38
Views: 3559

Re: Landlord advice needed with section 8

Maybe they are a nice family, but they are unable to pay the market rent. They need either a benevolent landlord who wants to accept below market rent, or they will have to move to a lower cost abode. Good behavior alone does not qualify them as good tenants if they cannot afford to pay the market ...
by e5116
Tue Aug 07, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: VIOV + VSIAX
Replies: 9
Views: 789

Re: VIOV + VSIAX

I've historically held VSIAX but recently moved to VIOV for more small cap value exposure in my tax deferred accounts. However, because of large unrealized gains in taxable, I still have a decent chunk of VSIAX. I think it's fine that I have both, but isn't a concerted strategy on my side. Although ...
by e5116
Tue Jul 31, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Index Funds - Schwab and Vanguard
Replies: 7
Views: 693

Re: Index Funds - Schwab and Vanguard

Schwab International Index is not the same as Vanguard's as it's only Developed Markets Large Cap (excludes small caps and emerging markets). So, you'd have to use Schwab ETFs to fill the void. I agree with others and wouldn't choose Schwab just because it's expense ratios are a tiny bit lower. It's...
by e5116
Mon Jul 23, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: New 401k, help with picking fund.
Replies: 9
Views: 614

Re: New 401k, help with picking fund.

Stick with Target date. The difference in fees is really negligible. Both are extremely cheap. Go with what is simple.
by e5116
Sun Jul 22, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: 529 strategy?
Replies: 17
Views: 1120

Re: 529 strategy?

Based on my experience, Lotus 123/post 6 offers great advice, "My kiddo is about 1. I signed up for her 529 earlier this year with Vanguard. I do live in a state with a state tax deduction and its own 529 (which is not Vanguard). However, my state's 529 plan has pretty high fees. I chose Vanguard d...
by e5116
Mon Jul 16, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 6891

Re: Families - What's your total annual credit card spend?

Well, when I have $40k+ in daycare costs (two children) that can be paid via credit card (starting in September), things add up quickly! :oops: And business expenses which fluctuate widely, easily over $100k in credit card spend. Probably $70k-ish in personal/family spend historically to increase th...
by e5116
Tue Jul 03, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Premium Is 5th Biggest In History
Replies: 18
Views: 2187

Re: Small Cap Premium Is 5th Biggest In History

However, the outperformance is basically all because of small cap growth stocks. So, for those of us that skew to small cap value only, haven't seen that much premium this year yet. I do have some small blend funds though. According to Vanguard, YTD as of 7/3: Vanguard small cap value is up 3.53% To...
by e5116
Sat Jun 30, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for private tuition
Replies: 14
Views: 1435

Re: Paying for private tuition

We did not pay for 1-12 tuition since public schools were superb. As for using a 529 plan for K-12 tuition, what tax benefit in your state would you get for that? Remember that gains in a 529 are not taxed at the Federal level and losses are not deductible either. If put money in the 529 plan and t...
by e5116
Fri Jun 29, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Help with Roth and new job
Replies: 9
Views: 447

Re: Help with Roth and new job

As retiredjg said, sounds like there would be no tax benefit to reap by contributing to Trad IRA. The deductibility is income dependent if you have a retirement account through work. AGI must be under $63k for a single filer to be fully deductible. See link: https://www.irs.gov/retirement-plans/plan...
by e5116
Tue Jun 26, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard simple ETFs portfolio at Schwab
Replies: 11
Views: 730

Re: Schwab or Vanguard simple ETFs portfolio at Schwab

Agreed that Schwab ETFs are the way to go for a simple three fund portfolio (although would be four at Schwab since they don't have total international in a single fund -- need to hold SCHF Developed Markets and SCHE Emerging and possibly SCHC small too). Only time I might say Vanguard ETFs at Schwa...
by e5116
Sun Jun 24, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12108

Re: When did you start flying business class?

High 6-figures is more than $666,000 a year to me, so with only $12K monthly expenses, I'd say go for first class. I thought the same thing. If someone is making >$500,000 and complaining about $24,000 in airfare -- especially when they said they hate flying coach -- they need a bit of a reality-ch...
by e5116
Sat Jun 23, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12108

Re: When did you start flying business class?

For cross country domestic flights we purchase three seats for the two of us. This makes a big difference for reasonable (to me) cost. On one of our recent trips, two business/first class tickets were less expensive and included luggage. That was our first time and does make you want to repeat. My ...
by e5116
Tue Jun 19, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 3987

Re: Article on hotel booking sites - no bargains

I mostly use airbnb/vrbo now. Much nicer, quieter, cleaner, larger, less expensive with real reviews. Same here, outside of work travel, it is all AirBNB. Question for your AirBnB aficionados: how have you found the price for short stays compared to nearby hotels? I explore airbnb/vrbo options when...
by e5116
Tue Jun 19, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 1149

Re: Best stroller+infant seat for gravel roads?

My wife thought the BOB was too heavy for her to carry (25 lbs), so we went with the City Mini GT (~20 lbs). We've liked it. Perhaps not as meant for major jogging as the BOB (the wheels are a bit smaller but still large), but we've had no problems with it on tough terrain including gravel, rocks, e...
by e5116
Fri Jun 15, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: 24 years old starting my first rothIRA
Replies: 14
Views: 1185

Re: 24 years old starting my first rothIRA

I would recommend the Vanguard 2060 Target Retirement Fund for your Roth IRA. You can open it with a $1,000 initial contribution. It will be 90% stocks (domestic & international) & 10% bonds (domestic & international). It will move to 50%/50% in 2060, then 30%/70% in 2067. Once you get better educa...
by e5116
Fri Jun 15, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: 24 years old starting my first rothIRA
Replies: 14
Views: 1185

Re: 24 years old starting my first rothIRA

I would recommend the Vanguard 2060 Target Retirement Fund for your Roth IRA. You can open it with a $1,000 initial contribution. It will be 90% stocks (domestic & international) & 10% bonds (domestic & international). It will move to 50%/50% in 2060, then 30%/70% in 2067. Once you get better educa...
by e5116
Thu Jun 14, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Home Sellers - do you read Buyer inspection reports?
Replies: 25
Views: 2280

Re: Home Sellers - do you read Buyer inspection reports?

I've had two experiences as a buyer related to the inspection report. The first the report was terrible and full of items noted. It was so bad that we backed out of the deal, but it was in a multi-bid situation, so the seller didn't really care. The inspector told me to NOT send it to them because t...
by e5116
Tue Jun 12, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 7354

Re: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement

OP, I wonder if your observation would be different if you weren't in Chicago or Illinois. This article came across my newsfeed not too long ago: http://www.chicagotribune.com/news/opinion/editorials/ct-edit-illinois-exodus-population-taxes-20180412-story.html I'm hardly an expert on the matter but...
by e5116
Tue Jun 12, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 7354

Re: Forbes: https://www.forbes.com/sites/josephcoughlin/2018/06/11/millennials-arent-having-kids-heres-why-thats-a-probl

Thanks for linking the article and interesting points RE: Chicago given that I also live in the Chicago area (purchased a home a few years ago in an inner-rung suburb that most would consider the most urban/walkable/diverse in Chicagoland). I have noticed the same thing with Boomers' homes that they...
by e5116
Tue Jun 12, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Another home thread: 2mil / 40K in taxes
Replies: 59
Views: 5696

Re: Another home thread: 2mil / 40K in taxes

I have no suggestion but when you quote this earning power at age 32, I would certainly like to know the industry and the job specific so that I can get my future grand-kids in those fields. It is too late for me or my kids to change the careers at this stage. I second that question for my college ...
by e5116
Wed Jun 06, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: 529 College Saving question
Replies: 15
Views: 1016

Re: 529 College Saving question

The Bright Start Plan that IL offers is great in that it offers very low cost index funds and you get "free money" from the IL tax deduction. Definitely worthwhile and looks good to me. Yes, you don't want to overfund it and most Bogleheads would say your retirement should come first, but I'm not on...
by e5116
Thu May 31, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy commodities (soybeans)
Replies: 16
Views: 1898

Re: How to buy commodities (soybeans)

To be honest, I've always had an urge to buy pork bellies after watching Coming to America starring Eddie Murphy. To this date, I've been limited to buying them at the supermarket one piece at a time. :D My favorite movie about commodities trading is Trading Places , also starring Eddie Murphy. I d...
by e5116
Thu May 31, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 13915

Re: Renting vs Owning Your Home

ANNUAL COSTS (excluding utilities): RENTING $3,050 * 12 = $36,600 OWNING HOA: $623 *12 = $7476 property tax: $6,044 maintenance: $300 * 12 = $3,600 insurance: $500 inflation-adjusted appreciation: $0 (no appreciation beyond inflation) TOTAL: $17,620 Let's assume for now that these numbers are const...
by e5116
Wed May 30, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Bond diversification for high tax brackets?
Replies: 4
Views: 687

Re: Bond diversification for high tax brackets?

I personally wouldn't want munis to make up the majority of my bond holdings, but also wouldn't be overly worried about them being a sizable chunk. I also wouldn't go out of my way to hold international bonds, but having some US treasuries and corporate bonds in addition to the munis would be advisa...
by e5116
Tue May 29, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5231

Re: Splurging on the NBA finals

ronno2018 wrote:
Mon May 28, 2018 8:58 pm
It you like the match up this year definitely go!
This is a funny comment because it's the fourth year in a row of the exact same matchup! Not disagreeing with you at all though, but just had to point out the humor of the comment. :)
by e5116
Tue May 29, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent? Experience anyone?
Replies: 54
Views: 5261

Re: Lawyer instead of buyer's real estate agent. Experience anyone?

Not interested in "customer service" for tens of thousands of dollars! You're not paying for it nor do you have a choice in the matter. The commission is paid by the seller. Well the deal is done and I am sitting in my new home. Thought I would update the thread in case anyone is interested or want...
by e5116
Tue May 29, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: How important are International REITs?
Replies: 6
Views: 836

Re: How important are International REITs?

Adding VNQI to a Bogleheads Four Fund portfolio actually reduces its diversification. And historically reduced its absolute return AND its risk-adjusted return. REITs add nothing to a portfolio that adding more small stocks and long bonds wouldn’t do better, as a rule. Maybe...but let's look at tod...
by e5116
Wed May 23, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1952

Re: Babymoon - Hawaii Recommendations/Expected Costs

Don't really have any recommendations for Hawaii as I haven't gone myself (although based on what I've heard/read, I'd lean towards Maui), but just thought I'd tell the OP to ignore some of the naysayers and do what you want! :D I think it is reasonable advice to try to stretch it out to be more tha...
by e5116
Wed May 23, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4216

Re: Buy this home?

INPUTS to NYT calculator: PP: 910,000 Time: 9 years Rate: 4.5% Down: 35% Price Appreciation: 4% (which is conservative for Issaquah based on actual and forecasted) Rent Increase: 3% (which is less than what we've seen every year for the last 4 years) Reduce buying closing costs by 1% (I'll actually...
by e5116
Sun May 20, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Home Depot's Life Proof Rigid Core Vinyl Flooring
Replies: 6
Views: 894

Re: Home Depot's Life Proof Rigid Core Vinyl Flooring

I got Lifeproof plank vinyl from HD put in my basement over concrete last year. Like it so far and would recommend it. Looks pretty nice, waterproof, and easy to work with. I didn’t use HD's installation services as had contractors doing other work put it in and they did so pretty easily. Note that ...
by e5116
Fri May 18, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2372

Re: Mitsubishi wall air conditioner

If it is hot during the summer, we'll want to address it though. My wife is less keen on a window box, and has suggested a portable floor AC model. These seem to fall in the $300-600 range, but I have some doubts about their efficacy. Depending on the price of a mini split system, that could instea...
by e5116
Fri May 18, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13061

Re: how do you tip on wine at a restaurant

I would've tipped a bit more in that situation, but the OP isn't out of line. It is often the case that people tip less on alcohol...likely because it is so marked up to begin with and requires comparatively little effort. I just don't understand this. The waiter isn't cooking your steak and that's...
by e5116
Fri May 18, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2372

Re: Mitsubishi wall air conditioner

In my experience, they work well but are not any cheaper to install than a traditional central air system when doing it for the entire house, so you should like something about them over central a/c if choosing them (although you indicated it's just for upstairs, so maybe that changes the cost calcu...
by e5116
Wed May 16, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Urgent: escrow situation in bay area
Replies: 50
Views: 3167

Re: Urgent: escrow situation in bay area

What does your wife think? If it were me, I'd rely on her more than internet strangers. Obviously, you're getting cold feet which does happen sometimes. I kinda got it myself too as buying a house is a huge investment and risk. You're probably buying more house than I'd personally buy at that income...
by e5116
Wed May 16, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 4377

Re: Vanguard Junk Bond fund

mikebee wrote:
Wed May 16, 2018 1:51 am
whodidntante wrote:
Tue May 15, 2018 10:13 pm
We Bogleheads prefer to lose our money in Vanguard Total Bond Market.
Why ? Not helpful. Please address OP's first post.
whodidntante's post was tongue in cheek. :P
by e5116
Mon May 14, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Considerations for rolling an IRA into employers 401K
Replies: 5
Views: 372

Re: Considerations for rolling an IRA into employers 401K

Note that some 401k plans say they allow "Traditional IRA to 401k" rollovers, but when you read the fine-print on the transfer form, they technically only allow Traditional IRA to 401k transfers if the Traditional IRA was a Rollover (that is, Traditional IRA contributions that were tax-deductible in...
by e5116
Thu May 10, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Changing American Airlines Mileage ticket
Replies: 6
Views: 439

Re: Changing American Airlines Mileage ticket

Since it's within 24 hours, you can cancel without penalty (as long as travel is at least two days out). Then, just book the correct days. Do NOT try to change the reservation as change fees may apply. Refund policy for cancellation applies to revenue and award tickets so you should be good. "If I ...
by e5116
Thu May 10, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Changing American Airlines Mileage ticket
Replies: 6
Views: 439

Re: Changing American Airlines Mileage ticket

Since it's within 24 hours, you can cancel without penalty (as long as travel is at least two days out). Then, just book the correct days. Do NOT try to change the reservation as change fees may apply. Refund policy for cancellation applies to revenue and award tickets so you should be good. "If I c...
by e5116
Thu May 10, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 8265

Re: Alternatives to Amazon

Google. Just type in a product and the google shopping results will be at the top. They are paid ads, so you're not going to get the price of it everywhere, but it should give you a sense of what the price range should be and potential suppliers of the item. You can click the details to see the pric...
by e5116
Tue May 08, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 5185

Re: Which City to spend 4-6 weeks?

Love Vienna.... Beautiful, bustling, nice people, great architecture, food, etc. Not necessarily the cheapest though (particularly compared to nearby cities like Prague, Budapest, etc), but it's all relative. I'd probably move around myself, but I get it that you're trying to "feel like a local" by ...
by e5116
Mon May 07, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Start 529 Plan?
Replies: 45
Views: 2294

Re: Start 529 Plan?

Wow, after reading the initial post, I was wondering if I was reading about myself. :shock: Same age, children and ages (including month of expecting), state of residence, etc. Except then you posted your net worth on a subsequent post and mine is significantly less although still substantial for ag...
by e5116
Wed May 02, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Why are two almost identical value ETFs (MGV and VTV) priced so differently?
Replies: 20
Views: 1591

Re: Why are two almost identical value ETFs (MGV and VTV) priced so differently?

Yep, what everybody above said, but wanted to re-iterate that the price does NOT indicate how expensive something is. It's counter-intuitive to all of our other purchases in life, so perhaps hard to grasp, but the price can be set at basically any value the fund advisor wants without actually impact...
by e5116
Mon Apr 30, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Gate latch that opens from both sides?
Replies: 11
Views: 1046

Re: Gate latch that opens from both sides?

It’s a four foot fence. Is someone exceedingly short going to need to open it? Yes, young children. :) Thanks for the links all. Are you sure you want children who are young enough that the can’t reach over a four foot fence to actually have unfettered access to both sides of the gate? Yes. The add...
by e5116
Mon Apr 30, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Gate latch that opens from both sides?
Replies: 11
Views: 1046

Re: Gate latch that opens from both sides?

quantAndHold wrote:
Mon Apr 30, 2018 10:28 am
It’s a four foot fence. Is someone exceedingly short going to need to open it?
Yes, young children. :)

Thanks for the links all.