Search found 105 matches

by abracadabra11
Sun Jul 15, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Am I dreaming or is there a possibility: Retire at 45?
Replies: 7
Views: 1438

Re: Am I dreaming or is there a possibility: Retire at 45?

...I will lean on my financial advisor for solid data & feedback
Recommend you use this board to post additional details about your financial situation and the work performed by your adviser. You may be able to retire more comfortably after reconsidering the nature of this relationship.
by abracadabra11
Sat Jul 07, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14453

Re: How to "retire" in your 30's article

Mods should just lock this thread.

Nothing actionable at this point and turning into every other forum on the internet with quipping/whining/complaining.
by abracadabra11
Sat Jul 07, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5300

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

These are likely the only services you should have had performed:
tires rotation: $27.95
$49.95 oil change
--> Total $77.90
by abracadabra11
Thu Jul 05, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14453

Re: How to "retire" in your 30's article

Really surprised by the negativity in this thread.

If there's one bogleism that rises above all - it's LBYMs and save. This guy and his wife did that.
by abracadabra11
Thu Jul 05, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: A week in Montreal in August, advice/suggestions?
Replies: 14
Views: 730

Re: A week in Montreal in August, advice/suggestions?

Recommend a trip to Quebec City. Only ~ 2 hours if I recall correctly and a really terrific place to visit. Went during the winter, so unsure if it becomes overcrowded in the summer.
by abracadabra11
Mon May 07, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 6410

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

Surprised by the high bias here.
I would aim for $15-20k.
by abracadabra11
Mon Apr 23, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10503

Re: Salary Negotiation gone sour

Typical caveats about hindsight and internet advice apply, but it seems that the company may well have been signaling that their salary ceiling was 85k though flexibility existed on the bonus. Unfortunately, your recruiter appears to have made an error by establishing an artificial anchor that ultim...
by abracadabra11
Tue Feb 27, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 4758

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

If a bogleheads stamp of approval existed, the Moto G5 Plus would be on the list.
by abracadabra11
Sat Feb 03, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: What Would You Do With $100,000 Right Now
Replies: 28
Views: 3149

Re: What Would You Do With $100,000 Right Now

2 nights here: https://www.fourseasons.com/newyork/accommodations/specialty_suites/ty_warner_penthouse/ Money well spent. "Located between Madison Avenue and Park Avenue on Billioinaire's Row" They could at least have spelled Billionaire correctly. 8-) I didn't bother to read anything on the websit...
by abracadabra11
Sat Jan 13, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 3195

Re: Will never not upgrade Business travel again

International airlines/flights, totally different though. Would I pay the extra $5K between economy and business class? I'd probably have to travel economy first on a international flight, but most likely I would probably shell out the extra money. 15-18 hours on a plane not comfortable can drive a...
by abracadabra11
Sun Dec 03, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 5951

Re: Moto G5 Plus: Software updates?

For those that are more technologically-inclined, you can also install a custom ROM. You'll need to unlock the bootloader and root the phone, but the process isn't particularly difficult. The benefit is that the developer community is active and quick to incorporate changes (i.e. security patches li...
by abracadabra11
Tue Nov 14, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Selling my house in Miami, is it smart decision?
Replies: 16
Views: 2264

Re: Selling my house in Miami, is it smart decision?

Rodrigo, Unfortunately, you've come to the wrong place for the advice your seeking. No one on this board (or collectively) can accurately assess whether it's sensible to sell your house now or wait 6 months or wait 10 years. If you care to post additional details about your financials, then you'll r...
by abracadabra11
Sat Nov 04, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 1934

Re: 36k Career Starter Loan

A "career starter loan" should be renamed "career extender loan." Because all it will do is guarantee that you have to work at least that much longer! DO NOT TAKE OUT A LOAN JUST BECAUSE IT HAS A LOW INTEREST RATE! This is the dumbest financial move anyone could possibly make early in your career. ...
by abracadabra11
Fri Nov 03, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 1934

Re: 36k Career Starter Loan

What's the repayment term of the loan? When does repayment start? What are the other fees associated with it? If those other questions check out, it sounds like a great deal. You would be taking risk, of course, but likely worth it. If you are working some just to make ends meet or for a little ext...
by abracadabra11
Fri Nov 03, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 1934

Re: 36k Career Starter Loan

Pretty certain this is a career starter loan that is offered by NFCU and/or USAA for those enrolled at service academies. I'll tell you what I did with mine more than 10 years ago - Roth and Mutual Funds as recommended by my then-financial adviser. I built an early habit of saving aggressively and i...
by abracadabra11
Mon Oct 23, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: When one reaches the 1 million mark what to do with all the money?
Replies: 33
Views: 7250

Re: When one reaches the 1 million mark what to do with all the money?

Say an investor reaches the 1 million mark and keeps saving until he hits 2 million etc. What to do with all that money to protect ones self from a significant economic decline or other adverse situation A few I can think of include: 1. market crash with deep recession lasting at least 5 years 2. i...
by abracadabra11
Tue Oct 17, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 2964

Re: Joining Federal Service - A No-Brainer?

sorry, why are you here? to seek confirmation of decision you already made? you seem hell bent on looking for someone to confirm fairly "safe" bet forgetting that risks and rewards come together and are not separated.. if you believe she is nothing more than mediocre at what she does, yes, the supp...
by abracadabra11
Mon Oct 16, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 2964

Re: Joining Federal Service - A No-Brainer?

Agreed that there will likely be pay differences, so an analysis of the overall benefit package would be important. That's why having a good understanding of the worst case Government scenario is instructive. And leveraging an additional income stream in retirement is a particularly relevant factor,...
by abracadabra11
Mon Oct 16, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 2964

Re: Joining Federal Service - A No-Brainer?

I realize the initial post was rather short, but she enjoys her current job, but there's little room for vertical movement into a PM role so she would like to work elsewhere. The job she wants is as a PM and there are opportunities within Government and outside of Government, so why not focus on PM ...
by abracadabra11
Mon Oct 16, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 2964

Joining Federal Service - A No-Brainer?

Quick background - My wife has ~6 years of military service and has worked in the private sector for 5 years for the same company. She has reached an inflection point where she'd like to move on from our current position and pursue a PM role that's better aligned with her skillset. Although she wasn...
by abracadabra11
Thu Sep 21, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Advice - Military
Replies: 13
Views: 1088

Re: Investing Advice - Military

What's your career plan in the military? Opting for BRS may not be a great decision if you plan to stay another 14 years (I'm guessing you enlisted at 18, but may be wrong).
by abracadabra11
Fri Aug 25, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Help! Google Pixel erased itself -- what happened?
Replies: 15
Views: 2075

Re: Help! Google Pixel erased itself -- what happened?

Are you sure that this is a Pixel problem? Or is this an Oreo problem?

The two are obviously related since the device is the first to receive the update, but I don't see anything on xdadevelopers about Pixel's factory resetting by accident.
by abracadabra11
Sun Jul 23, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 6146

Re: MVNO's versus the Big 4

I expected someone would post this earlier, but since it hasn't happened:
https://www.whistleout.com/CellPhones

Useful tool for comparing plans among the various carriers (to include MVNOs) based on your anticipated usage. You can filter by network so that you're only looking at ATT MVNOs.
by abracadabra11
Thu Jul 20, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 6146

Re: MVNO's versus the Big 4

Recently switched to consumer cellular after being a T-Mobile customer for 15 years. It was a very smooth and easy process and I couldn't be happier. Keep in mind that both H2O and Cricket limit LTE download speeds to 8Mbps. If that isn't an issue for you, then they both offer well-priced plans. Con...
by abracadabra11
Sun Jul 16, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 4287

Re: YouTube TV - Anyone used or currently using?

I may try out the service soon - if so, I'll keep you posted. You don't need to wait until the service comes to your market to sign up and give it a try if you have a VPN. Connect to one of the metro areas with service (I tried New York server and it was ready to activate) and voila. This will allow...
by abracadabra11
Sat Jul 08, 2017 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Dual Military Physician Couple Portfolio
Replies: 11
Views: 1787

Re: Dual Military Physician Couple Portfolio

Not sure how much time you've spent looking at BRS, but I recommend taking another look before making the switch. There is a significant difference in benefit between the two options and High-3 is clearly the better option for anyone determined to stay for 20 (as you seem to indicate). The calculato...
by abracadabra11
Tue Jul 04, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 18947

Re: Bogleheads: you should be buying 10-year old cars

I'm not sure that the chart provides much value. So many differences between manufacturers, models, and attendant variability. The only thing that I really get from the chart is that it's cheaper to own an old car rather than a new car, which isn't particularly surprising to anyone. The average age ...
by abracadabra11
Sat May 20, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Maximizing Deployment
Replies: 7
Views: 1189

Re: Maximizing Deployment

Definitely on the right track opting for Roth contributions.

Don't forget that you can actually contribute up to $54k to your TSP while deployed to a combat zone. The first $18k can go into Roth TSP, but the remainder will be Traditional by default.

https://www.tsp.gov/PDF/bulletins/15-u-01.html
by abracadabra11
Sun Apr 30, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Lowest hassle, highest return way to buy real estate in a far-away location for use as a hedge?
Replies: 16
Views: 2395

Re: Lowest hassle, highest return way to buy real estate in a far-away location for use as a hedge?

I invest similar amount each year to which you reference. I also own a rental property that was purchased for some of the reasons you listed, though it was purchased in the same are where I was living at the time (so it was originally locally managed). The rental was relatively easy to manage until ...
by abracadabra11
Sat Apr 22, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should some professions tell people how much they make?
Replies: 39
Views: 6223

Re: Should some professions tell people how much they make?

I think you're overly focused on yourself and not sufficiently focused on your clients. Credentials are great in that they provide background on your academic success. But that doesn't necessarily separate you from your competitors. If I'm a potential client, I want you to have the academic pedigree...
by abracadabra11
Mon Apr 10, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 36
Views: 5534

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

Walmart.com says it's $25.97 for 0W-40 A3/B4 , which is VW 502.00 (appears to be the only weight that is). Add an OEM VW/Audi filter for $8.02 and you're at $33.99 plus tax, and whatever the labor costs if you're not doing the work yourself. I've never seen a dealer (any brand) replace a drain plug...
by abracadabra11
Sun Apr 09, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 36
Views: 5534

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

According to the brochure I was given the additional four services would cost a total of $525, so on that alone I would be saving money (according to the friendly dealer representative). :oops: I hope you are being facetious. Taking a car to the dealership for service is absolute lunacy. That $525 ...
by abracadabra11
Sun Apr 09, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 36
Views: 5534

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

According to the brochure I was given the additional four services would cost a total of $525, so on that alone I would be saving money (according to the friendly dealer representative). :oops: I hope you are being facetious. Taking a car to the dealership for service is absolute lunacy. That $525 ...
by abracadabra11
Sat Apr 08, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: 33 yr old Fed wants to be a boglehead
Replies: 23
Views: 2912

Re: 33 yr old Fed wants to be a boglehead

My gold/silver was a bad decision. I'm in at $1100 per oz in gold and $16 am oz I'm silver eagles. Waiting for price to go up enough that I can make my money back and then some and start dumping all of it into roths. This is a common behavioral mistake called "anchoring". The money you spent is bot...
by abracadabra11
Fri Feb 17, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 199
Views: 35595

Re: Two Comma Club

+1 member to the club as of yesterday.

Thanks to bogleheads for the help getting there.
by abracadabra11
Fri Feb 10, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 10
Views: 2066

Re: New mattress

Most of the online mattress companies will allow you to try the mattress for 90-100 days and then return it for free. We've tried Leesa and Alexander Hybrid. We liked both. Leesa definitely has less structure to it (though we slept very well on it and woke up pain free), so we're sticking with the A...
by abracadabra11
Wed Jan 18, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Switch from FSTVX to VTSAX - The Enemy Of a Good Plan is a Perfect Plan...
Replies: 5
Views: 1406

Re: Switch from FSTVX to VTSAX - The Enemy Of a Good Plan is a Perfect Plan...

Have you considered using VTI at Fidelity? You could also do both FSTVX at Fidelity and VTSAX at Vanguard. I haven't considered using VTI at Fidelity. I suppose I'm partial to the mutual funds to avoid bid/ask spread and have the ability to purchase fractional shares. The overarching question remai...
by abracadabra11
Wed Jan 18, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Switch from FSTVX to VTSAX - The Enemy Of a Good Plan is a Perfect Plan...
Replies: 5
Views: 1406

Switch from FSTVX to VTSAX - The Enemy Of a Good Plan is a Perfect Plan...

I'll begin this post with a big THANK YOU to all the bogleheads, especially the regular contributors and moderators. Since leaving Merrill Lynch (as a customer), I've diligently managed my finances according to boglehead principles and am well on my way to an early, well-funded retirement. I have ac...
by abracadabra11
Sun Oct 30, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: Shipping a car
Replies: 13
Views: 1788

Re: Shipping a car

We had great success using uship. ^^ Similar experience. I've moved cross-country several times with the military and I've used uShip every time for our 2nd vehicle. Be advised, she will not be reimbursed for the cost of shipping her vehicle (which I think you're aware of based on your earlier post).
by abracadabra11
Mon Jul 04, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 4370

Re: Ever Feel Unworthy of Growing income?

Doctors absolutely make too much money, way too much. As for the OP, just keep on keepin on. Don't think that way or you could screw your self. Nothing is stopping you from going to med school, residency, and fellowship, and: -Going 350k (post-tax dollars) into debt -Spending all of your late teens...
by abracadabra11
Sat Aug 22, 2015 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Distribution Timing - VTIAX into VFWAX
Replies: 12
Views: 1129

Re: TLH Distribution Timing - VTIAX into VFWAX

But another bottom line might be: If one gets the dividend for VFWAX and wants to exchange VFWAX and go back into VTIAX before a 61 day holding period is up (perhaps in another tax-loss harvesting exchange), then what? Well, you posed the question so I'll take a stab and let me know if I'm off base...
by abracadabra11
Sat Aug 22, 2015 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Distribution Timing - VTIAX into VFWAX
Replies: 12
Views: 1129

Re: TLH Distribution Timing - VTIAX into VFWAX

No. First, neither VTIAX nor VFWAX pay a dividend that is 100% qualified. The dividend paid by either starts off as a mix of qualified and non-qualified. Second, the personal holding period to keep the qualified portion of the dividend qualified to you personally is 61 days total out of any of the ...
by abracadabra11
Sat Aug 22, 2015 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Distribution Timing - VTIAX into VFWAX
Replies: 12
Views: 1129

Re: TLH Distribution Timing - VTIAX into VFWAX

If you buy VFWAX and hold it through the distribution date in September, then you will get the dividend paid by VFWAX in September. Does that help? That definitely helps answer part of the question. Now what about qualified dividends? Don't I forgo receiving a qualified dividend from VTIAX for a no...
by abracadabra11
Sat Aug 22, 2015 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Distribution Timing - VTIAX into VFWAX
Replies: 12
Views: 1129

Re: TLH Distribution Timing - VTIAX into VFWAX

If you sell VTIAX now, then you will not get a distribution from VTIAX if you do not own it in September, so I am not sure what exactly mean about "'qualified' status" for something that you are not going to get anyways. I obviously don't entirely understand the process...so this is how I understan...
by abracadabra11
Sat Aug 22, 2015 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Distribution Timing - VTIAX into VFWAX
Replies: 12
Views: 1129

TLH Distribution Timing - VTIAX into VFWAX

I have several thousand dollars in losses in VTIAX and want to exchange into VFWAX. However, I'm holding off until after the September distribution from VTIAX to maintain their 'qualified' status.

Is this prudent? Is it inconsequential? Should I just TLH now?
by abracadabra11
Wed Jan 07, 2015 1:11 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Fresh
Replies: 7
Views: 2387

Re: Amazon Prime Fresh

I am intrigued about this as well. From what I've found, the prices seems to be inline with what you would pay at those stores, but I can't find any definitive source on quality. I might give the 30-day trial a shot and see how it goes. The $300 charge is steep (though less so if you're already a pr...
by abracadabra11
Wed Dec 31, 2014 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap WSJ subscription on ebay?
Replies: 2
Views: 1163

Re: Cheap WSJ subscription on ebay?

Don't bother paying that seller on ebay.

You can get a subscription for a year for free. Visit Fatwallet.com and check out the Hot Deals forums.
by abracadabra11
Wed Dec 10, 2014 2:58 pm
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 119
Views: 17076

Re: What is the best meal you've had at a restaurant?

Sixteen in Chicago.

Although it was easily the best meal I've eaten, it's a terrible value. Nothing beats a great home-cooked meal.
by abracadabra11
Wed Dec 10, 2014 2:54 pm
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 122
Views: 16112

Re: Why don't YOU follow Buffett's advice?

It's a question of volatility. As others have duly mentioned, you're not too concerned with volatility when your portfolio is so large that any historical fluctuation will not have a noted impact on your ability to fund your retirement. If however, you're not so well positioned, accepting such risk ...