Bogleheads.org

i<3Investing

There was something about hitting 100k in taxable accounts that felt really good. Retirement accounts have always felt off limits and taxable feels like I could access it if i absolutely had to. All in all that's about 12 months of expenses if i really hunkered down so maybe it's the safety net and ...

i<3Investing

jjface wrote: ↑Thu Jun 11, 2020 8:58 pm Saatva! Love it !!!

We have both. A casper and a Saatva. I like the Saatva more

i<3Investing

The correct site is https://my.equifax.com/

I don't have a US number to offer.

i<3Investing

Started at $250/mo and i'm not up to $400/mo /child. We also set annual goals for the account and do a catchup if we don't meet the goals. I set it for 3/4 of a nice public school paid for over 20 years. My thought is I can either have the kids take 1 year of student loans as motivation or pay for i...

i<3Investing

Given how cheap it is, seems like a pointless exercise It's not cheap which is why I started this topic. ~$1100/year over a lifetime would be ~$60k. Ask yourself which is better: 100% chance of paying $60k over a lifetime or 1% chance of paying $100k over a lifetime Your $1100 is for all three (aut...

i<3Investing

25% pre tax, 35% post tax.

We crunched the numbers to figure out our spending rate so we could figure out when we could retire early. Added bonus is we were able to back into our savings rate.

This is pure savings, not Principal reduction on homes which i guess is a form of savings as well.

i<3Investing

I did the inflatable epoxy liner last year. The city replaced a phone poll and i think 'bumped' my sewer line in the process which caused it to slip from the main. Good times all around. I was told that I would need permits to go into the street but we're a 2 lane street and closing off one side is ...

i<3Investing

Android has the "Android Device Manager" that will let you ring or lock your phone from any computer. You have to have it setup before you lose your phone though. I also have a google home speaker and you can ask it to ring your phone and it will (even if its on silent). Both options work ...

i<3Investing

Personally I would sell it. I have two rental properties myself and love them. But i did not become an accidental landlord. I did it by choice. Since you're not making the choice yourself but reacting to your situation it will likely cause you nothing but trouble and anguish. Not worth having for a ...

i<3Investing

tennisplyr wrote: ↑Tue Nov 20, 2018 7:12 pm Yeah but I bought gas today at Costco for $2.29/gallon.

Uggh. That really puts the CA gas tax into perspective. Costco gas here is $3.15

i<3Investing

I read Marie Kondo's book, "the life changing magic of tidying up". It was a great motivator.

As far as throwing things out. Take a room a week and go through it. I wouldn't trust someone else to throw out your things.

i<3Investing

Hawaii, specifically Maui, seems to hit a lot of your wants. Plenty of hikes, relaxation, ocean fun for the whole family. I'm sure they have a Hilton too. If you end up going, make sure to take a day and drive around the back side of the island. It's very beautiful. I would go in April over February...

i<3Investing

I do 92% of my Zillow/Redfin Price Estimate. It's hopefully taking into account a sale and some randomness of the valuation. I wouldn't fault you for 100%, or anything else really.

i<3Investing

I've lived in So Cal for years. My wife and myself started out making around $100k/yr. We now make over $200k/yr. We were able to save quite a bit to our 401k's (we didn't max them out in the beginning but do now), buy an investment property out of state, and travel. So by no means were we living li...

i<3Investing

I travelled to Japan for a few weeks twice this year. The first time I went I used GoogleFi. Worked like a charm. Worked almost everywhere and was very reasonably priced. Ended up paying roughly $40 for the two weeks i was there and didn't skimp on data. Second time I travelled i tried to restart my...

i<3Investing

I'm definitely no expert. But if you got to the main screen and click the "+" button in the upper right hand corner of the Net Worth side bar it brings you to a "link your account" screen. The bottom of that has a "Add Home Value Zillow" tab. That will add your real est...

i<3Investing

You can turn off most google tracking functions here: https://myaccount.google.com/activitycontrols You can also stop them tracking you for ads here: https://www.google.com/settings/u/0/ads/authenticated Do I turn it off? No. Do I worry that they track me? Not really. They have over a billion users ...

i<3Investing

My structural engineering teachers at USC used to say it's a waste of money. In their words, "unless your home is built on top of a fault then wood construction is very redundant and handles earthquakes quite well". Basically they're saying that unless there is a chance that the ground lit...

i<3Investing

I use Keepass 2 and store the encrypted password database on google drive. There are android and apple apps to open the keepass from my phone if need be (and a cpu version).

It works well for me.

i<3Investing

You have 20% down, a really good retirement for your age, and enough income to cover it. Yes, you're ready to buy your house (and i also agree to the happy wife happy life mentality). I've always liked the 2-3 times household income for your mortgage that "The Millionaire Nextdoor" recomme...

i<3Investing

Is the 3rd prty money management set up just a big waist of money through fees? Would it be more beneficial to set up something like a 3-4 fund Lazy portfolio? Yes. You'll save much more in the long run. At the very least you can move your money to fidelity and invest in the same funds without the ...

i<3Investing

Yes. I back out 8% to account for 6% of buyer/seller fees and 2% for taxes/insurance/misc. It may not be spot on but I feel i'm pretty close.

i<3Investing

I store important documents in Google Drive in an encrypted "Boxcryptor" folder. It provides AES 256 bit encryption and RSA Encryption. I have 2 step verification on my phone to access my google drive. Just never lose your password for Boxcryptor because there is no way to crack it. It wor...

i<3Investing

I have a few questions.. If you instead paid off your mortgage would you be able to live on your salary only? Can you cut back and save elsewhere? Eating in more now that the wife is at home. I think you're overinvested in XOM. I would consider moving that to a more balanced portfolio. Do you mean a...

i<3Investing

My company went with Fidelity too. Although they do have some funds with higher fee's, I found plenty with low fees and my company let me add them onto our plan. I would ask your 401k administrator if you could add a few low cost funds onto the plan.

i<3Investing

My wife and myself just had our firstborn and decided it was time to do this as well. We're half way through. The first part took about an hour with him asking questions.

He said that the 2nd part would take about an hour as well. Total cost quoted was $900. Not bad in my opinion.

i<3Investing

I live in Los Angeles and also work with some entertainment productions. A majority of shows are filmed where there are tax breaks. It's crazy to see where they'll film for the tax breaks. A lot of mid-town america city shots are actually the Warner Brothers Back Lot. They also have a NY street, New...

i<3Investing

You have a single umbrella policy? Make sure that you don't need a separate personal and business/commercial umbrella policy. We needed to get a separate business/commercial umbrella policy to cover our rental properties. Our "regular" umbrella policy that we had for years before purchasi...

i<3Investing

San Diego/LA/San Fran have a lot of life but cost an arm and a leg.

Parts of North LA and South OC are great. I currently live in OC and love it. It depends what you're looking for.

i<3Investing

Currently Reading: Tower of God (My goodness this is probably the best story I've ever read even if its a little slow at times) UQ Holder Witch Hunter (very good but it is published very very slowly) Finished - Really Enjoyed: Annarasumanara (If you haven't read any manga start here and see how art...

i<3Investing

That sounds high. I have 2 drivers (we're both in our 30's), primary home + 2 rental properties and it's around $300 / yr for 1 million. Got my insurance through the same company that does my primary home + car insurance (state farm).

i<3Investing

Plenty of good cards have been recommended. If you want to go a slightly different route I recommend waiting until Southwest has a few of their cards for 50k points up. What you do is apply for 2 southwest cards at the same time. I got a personal card and a personal preferred card. The deal will be ...

i<3Investing

Since the wedding about a year ago the wife and I have been flying through previous financial hurdles. So the excitement right now makes me say that I'm feeling better than I expected.

i<3Investing

effillus wrote:I think he's making about $60,000 now in Nashville and is interviewing in Pittsburgh.

With the edition of a PE and a 3.5% increase in the cost of living, I would ask for $75,000 and hopefully settle around $72,500. Fingers crossed they take the initial offer

i<3Investing

Just curious why anyone would want to roll their qualifying funds into an employers 401K. You will be limited to a smaller number of funds inside a 401K while a self directed IRA using a brokerage account will allow you access to virtually anything. Every time I change jobs I roll over into my self...

i<3Investing

Grt2bOutdoors wrote:Thankfully I don't invest the way I bet (currently #301 in a field of 400+).

You're still closer than Goldman Sachs & Morgan Stanley

i<3Investing

Gen Y here. Since most people my age don't seem to know what bonds are, I consider myself more conservative than most.

i<3Investing

Either Hong Kong or Istanbul. Both are absolutely amazing cultures.

i<3Investing

Wow, lots of responses - thanks for all of them! Sadly, most of the above is nothing new to me, whether something I've done already or something burned into my brain growing up. Really, the problems are one of two things as most of you suggested: debt and budgeting - I have put together a budget al...

i<3Investing

Windows has decided to move email from hotmail.com to outlook.com. My guess is you might be experiencing some issues with that transition. I'm not sure though since I haven't used hotmail in a very long time.

i<3Investing

$56,900 adjusted for inflation to today's dollars. On an interesting side note I believe my firm now hires on above that.

i<3Investing

I had my credit card shut down for suspicious charges because I got $5 of taco bell 1 mile from my house... Yes, I am looking for a new card. Trying to weigh my options and see what is best for my spending habits.

i<3Investing

So do I continue to pay in or is there any other viable alternative? Check out term4sale or one of those other websites that can get you quotes for term life insurance. You'll probably be looking in the 15-20 year mark. See if you would have significant savings over your universal policy. So is it ...

i<3Investing

Interesting. I see it as the opposite. If you own stocks you are already a small business owner. Mr. Graham spends a lot of time in Intelligent Investor describing that association. If you own REITS it is similar (ageed not the same) as owning private real estate. I think either of the other two is...

i<3Investing

I think it is very important to diversify, thus we have a small business, rental properties and retirement funds. In my opinion, I believe these three are key to wealth building. I've always felt that way as well. Eventually I'd like to find myself in a place where I have 33% of my wealth across ea...

i<3Investing

I would just use one of those Social Bargain websites and find what suits your needs. Here is one I use that seems to find great deals. http://www.dealigg.com/story-Acer-Aspire-AS5560-7402-15-6-Laptop-Quad-Core-1-5GHz-4GB-RAM-500GB-HDD-Windows-7-Premium A quad core with Windows 7 and 4 gigs of ram s...

i<3Investing

Hi, I would always put money towards my primary residence before my rental. Also, with mortgage + taxes on your rental at 1457 and rent at 1600 you're barely making it there. I would consider selling the rental unless you see the area appreciating in value considerably and you're trying to get from ...

i<3Investing

I guess I got it easy. My financial adviser fell off the face of the earth so I didn't have much of a choice. Very lucky turn of events since that led to me doing my own research and eventually finding this forum.

i<3Investing

Not very high. But at the same time I'm 27 so I have some time to increase it

i<3Investing

100/0 , 90/10 – definitely willing to take some risk. This is not a good idea. At a minimum you should do 80/20. If your portfolio fell 50% would you jump out? If so then 100/0 is way to risky for most people. -Student loan ~$13,000 – 6.55% Current portfolio: Taxable (~$15,000) 80% Cash – ready to ...

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