Search found 63 matches

by Saleen
Wed Oct 03, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Help Picking Funds for 457 Plan to mimic 3 fund portfolio
Replies: 6
Views: 297

Re: Help Picking Funds for 457 Plan to mimic 3 fund portfolio

Please add the expense ratios of the funds, as offered in your 457 plan. Often the expense ratios in a work-based plan are different from the expense ratios for the same funds when offered to the general public, so we can't just look them up. I did not know this, I will have to inquire as I am unab...
by Saleen
Tue Oct 02, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help Picking Funds for 457 Plan to mimic 3 fund portfolio
Replies: 6
Views: 297

Re: Help Picking Funds for 457 Plan to mimic 3 fund portfolio

I guess I wasn't using very good terms for my search. That wiki on approximating total stock market is exactly what I was looking for. Looks like it should be:

81% Vanguard Institutional Index Fund (VINIX)
4% Vanguard Mid-Cap Index Fund (VIMSX)
15% Vanguard Small-Cap Index Fund (NAESX)

Thank you.
by Saleen
Tue Oct 02, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help Picking Funds for 457 Plan to mimic 3 fund portfolio
Replies: 6
Views: 297

Help Picking Funds for 457 Plan to mimic 3 fund portfolio

Howdy everyone. For the first time my wife and I have fully funded our Roth IRAs at vanguard well before the end of the year. As such, we are moving on to our next tax advantaged space. We both work for the same county and have access for a 457 plan administered by mass mutual. Our roths are investe...
by Saleen
Sat Apr 02, 2016 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Tax Question
Replies: 11
Views: 1094

Re: Simple Tax Question

So much for a simple tax question. So true! I'm starting to figure it all out though! I think I've basically figured everything out now. I had never really known about the sales tax thing and so I had never researched it but now my eyes are opened. Still don't think I'll get much above the standard...
by Saleen
Sat Apr 02, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Tax Question
Replies: 11
Views: 1094

Re: Simple Tax Question

Thanks Livesoft, This is the first time that I've had to do anything other than the standard deduction, so I am learning. I did discover the sales tax calculator from the IRS, so I have that now, approximately $900.00 for me. One other question, in trying to determine my points or origination fees: ...
by Saleen
Sat Apr 02, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Tax Question
Replies: 11
Views: 1094

Re: Simple Tax Question

I live in Nevada, so no State income tax. I do pay sales tax, but I would have trouble itemizing that--a good thing to remember for 2016. We spent most of our money this year on the down payment, but we did buy some furniture that would probably add another $350 in sales taxes. I am using turbotax a...
by Saleen
Sat Apr 02, 2016 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Tax Question
Replies: 11
Views: 1094

Simple Tax Question

Howdy yall. I have a hopefully simple question. Filing single. My w-2 income is $83K, so just over the threshold for deducting my $3000 of student loan interest. Furthermore, bought a house with my girlfriend. Total interest paid in 2015: $9024, so my 1/2 would be $4512 (this includes the small amou...
by Saleen
Tue Mar 15, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Home Warranty Worth it With Aging Furnace/AC?
Replies: 26
Views: 8266

Re: Home Warranty Worth it With Aging Furnace/AC?

I've reviewed the contract and it does cover replacement, and specifically even the crane necessary to do so (which many contracts apparently don't cover). Obviously they would only replace if absolutely necessary. I am leaning towards not reupping since knowing myself I would probably prefer to rep...
by Saleen
Tue Mar 15, 2016 4:30 pm
Forum: Personal Consumer Issues
Topic: Home Warranty Worth it With Aging Furnace/AC?
Replies: 26
Views: 8266

Home Warranty Worth it With Aging Furnace/AC?

Howdy all. Seeking some wisdom here. My girlfriend and I recently purchased our first home in May, 2015. With it came a 1 year home warranty. We used it once and I was actually very happy with the company, fidelity, compared to many of the horror stories I've read about other companies on the intern...
by Saleen
Mon Aug 10, 2015 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Sacramento Real Estate Market
Replies: 14
Views: 1933

Re: Sacramento Real Estate Market

I don't know much about the Sacramento real estate market, but I did live there for 30 years up until 2013 if you have any questions about the different areas. I grew up in the area you are discussing, near Jesuit high school. Feel free to PM me if you have any questions.
by Saleen
Wed Jul 09, 2014 11:53 am
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 7198

Re: Smokers [for cooking]

+1 for the traeger. Set it and forget it and you can use it as an oven. Haven't used my actual oven since the temps hit 70. Made pizza on it, lots of chicken, steaks, ribs, vegetables, fish for the lady. Best part about the thing is it can smoke and just be used as an oven/grill too at higher temper...
by Saleen
Sat Feb 01, 2014 12:51 pm
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 12508

Re: Keurig vs normal coffeemaker?

I love our Keurig. Personally I recommend the Cuisinart version (works with Keurig cups and has the Keurig brand). The problems with the Keurig are that they do have reliability issues and average life span of a machine is probably about 2 years. Also, people complain about the coffee. Finally, a cu...
by Saleen
Tue Jan 07, 2014 7:55 pm
Forum: Personal Consumer Issues
Topic: Pls help I need expert legal research
Replies: 10
Views: 1281

Re: Pls help I need expert legal research

Hire a lawyer or drop it. You can't do the research yourself and you don't want to pay what it costs to get it done. You're not going to find any non-lawyers to do legal research for you on the cheap and expose them to civil and possibly criminal liability. Good luck, JT Just to give some more deta...
by Saleen
Fri Jan 03, 2014 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 8467

Re: How much did your credit card rewards cost you in 2013?

To me I think things are changing, and with immediate access to ones credit purchases such as on Mint, the studies are not longer valid for someone like me. For me, a credit card transaction is immediately in my budget and I can see exactly where I am spending my money and where I am spending too mu...
by Saleen
Mon Nov 25, 2013 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Quicksilver: 1.5% reward, thoughts?
Replies: 91
Views: 273797

Re: Capital One Quicksilver: 1.5% reward, thoughts?

I had the capital one visa that gave 1% and an extra .5% annual bonus, they have now switched me over to the quicksilver. I have found this card to be the best available that doesn't involve jumping through any hoops to get my rewards. Indeed, they got rid of the last hoop that was having to wait a ...
by Saleen
Tue Sep 03, 2013 3:05 pm
Forum: Personal Consumer Issues
Topic: USAA Homeowner Insurance Increase
Replies: 35
Views: 5049

Re: USAA Homeowner Insurance Increase

I agree USAA is doing some interesting rate increases in certain areas making them non-competitive. When I moved to Nevada they offered me a rate 3x what I was paying for auto insurance in CA. Went with GEICO and get a similar rate to what I was paying in CA. I was dumbfounded USAA could even give s...
by Saleen
Mon Aug 19, 2013 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: To do 401(a) plan?
Replies: 4
Views: 455

Re: To do 401(a) plan?

The 401(a) plan includes no employer contribution and is identical in all respects to the 457 plan as far as investment options.
by Saleen
Mon Aug 19, 2013 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: To do 401(a) plan?
Replies: 4
Views: 455

To do 401(a) plan?

Hello everyone, As I am nearing the completion of my first year as a county employee, I am now eligible to join the county's 401(a) plan. The county offers a 401(a) plan and a 457. The county does not make any contributions to either (I also have PERS) and the 401(a) plan offers the same funds as th...
by Saleen
Mon Jun 24, 2013 4:26 pm
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 10175

Re: Cheap Razors

Another vote for the double-edged safety razor here. I don't think its really a debate, or at least it shouldn't be, for bogleheads. Bought 100 pack of Astra Premium razorblades on Amazon for $10. If you shave right after a shower it doesn't take any longer than shaving with a mach 3 once you get th...
by Saleen
Fri Jun 07, 2013 1:42 pm
Forum: Personal Consumer Issues
Topic: No Foreign Transaction Fee Credit Card vs. ATM and Cash
Replies: 44
Views: 15538

Re: No Foreign Transaction Fee Credit Card vs. ATM and Cash

I've found both methods to apply similar, good exchange rates. Take an atm card that reimburses ATM fees and a no transaction fee credit card and you are set.

What you want to avoid doing is taking cash and exchanging it or using any form of exchange service where they give you bad rates.
by Saleen
Wed Mar 27, 2013 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Credit Union
Replies: 24
Views: 2641

Re: Penfed Credit Union

Many people on this board use the Penfed visa that gives 5% cash back on gas. Many others have refinanced mortgages and autoloans at low rates with Penfed.
by Saleen
Fri Mar 15, 2013 3:46 pm
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 8751

Re: [POLL] What would you like Vanguard to change or improve

2 factor authentication please. The focus on brute force is misplaced, people should be worried about their passwords being taken by keyloggers!

If blizzard and google can do it, vanguard can do it!
by Saleen
Mon Mar 04, 2013 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should Bogleheads Write Their Own Wills?
Replies: 39
Views: 4243

Re: Should Bogleheads Write Their Own Wills?

Make sure that the will software complies with the will requirements of your state, which can greatly differ from state to state. Some states allow hand-written wills but everything has to be hand written, others the signing must be witnessed by two-disinterested witnesses regardless of the circumst...
by Saleen
Wed Feb 20, 2013 7:01 pm
Forum: Personal Consumer Issues
Topic: Need a Suit
Replies: 16
Views: 2122

Re: Need a Suit

I would only add that if you only are going to get one suit and it might be used for funerals, I would definitely go with a dark charcoal gray, but not black. No pleats, cuffs optional but probably not if it is going to be your only suit. I'm a younger gentleman and I wear mostly suits from J.Crew a...
by Saleen
Wed Feb 20, 2013 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement and Taxable Account advice for a young guy
Replies: 84
Views: 9157

Re: Retirement and Taxable Account advice for a young guy

If those target retirement funds in your 401k are vanguard, I'd just go all TR2050 in both the roth IRA and the 401k and forget about it. Let them do the balancing for you. Has the 30% international stock you want, and has 10% bonds, which is much safer than the 100% stock route. Otherwise, I would ...
by Saleen
Thu Feb 14, 2013 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Paying Off Student Loans ASAP
Replies: 20
Views: 2161

Re: Advice on Paying Off Student Loans ASAP

I would set up the auto-pay to get the .25% discount. You can still make an additional payment.

I have auto-pay through nelnet on my 6 student loans. In addition, I put an extra $300 a month towards my highest interest loan.
by Saleen
Wed Feb 13, 2013 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Investment Bank Internship versus Accounting Courses
Replies: 27
Views: 2684

Re: Investment Bank Internship versus Accounting Courses

I cannot speak as to I-banks, but I can speak about my experience as a law student. You should see if they are similar. In the field of law, an internship or "summer assoiciateship" in your last summer of law school is basically mandatory if you want to start working at a national law firm upon grad...
by Saleen
Wed Feb 13, 2013 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Who taught you about money?
Replies: 91
Views: 8661

Re: Who taught you about money?

This forum! Started reading it when I started my first job after college. Having an inquisitive nature and wanting to research and understand everything helps.

Took a few binge years to go to law school, hopefully I can get back on track now!
by Saleen
Tue Feb 12, 2013 6:26 pm
Forum: Personal Consumer Issues
Topic: Legos
Replies: 52
Views: 9574

Re: Legos

This thread makes me want to have kids so I can play with legos again. That and Brillo train sets were the best!

I was always more of a scenario #2 guy myself.
by Saleen
Tue Feb 12, 2013 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Small side business finance tips appreciated
Replies: 21
Views: 1663

Re: Small side business finance tips appreciated

In addition to the comment about taxes, I would also argue for an LLC under the following hypothetical: You sell a piece of vintage cookware to someone. Turns out it was discarded because it was defective, which you could have but failed to identify. Someone becomes seriously ill, injured, or dies a...
by Saleen
Mon Feb 11, 2013 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Willing to do 6 month interest rate match
Replies: 36
Views: 5955

Re: USAA Willing to do 6 month interest rate match

I would like to know USAA answer to this one: "Imagine if you could earn 3 or 4 percent interest on a “free” checking account – with no minimum balance requirement, no monthly fees and free transactions at any ATM in the country? Advertise | AdChoices It sounds too good to be true, but it’s not. Th...
by Saleen
Mon Feb 11, 2013 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Small side business finance tips appreciated
Replies: 21
Views: 1663

Re: Small side business finance tips appreciated

You may want to consider setting up an LLC to limit your liability for anything that happens. Nothing worse than a little side business ruining your actual business.
by Saleen
Fri Feb 08, 2013 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: becoming a landlord? your thoughts, please
Replies: 31
Views: 4092

Re: becoming a landlord? your thoughts, please

Are you positive the fact that one child already attends the school doesn't make the chances for the younger one better? Around here, if the eldest child wins the "lottery," younger siblings will be allowed to go to the same school so long as they begin attending while the other child is still there...
by Saleen
Thu Feb 07, 2013 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bank question [Online or Brick and Mortar?]
Replies: 19
Views: 4578

Re: Bank question

I use USAA, though as discussed in a recent thread on this forum, its rates on checking and savings are extremely low as of late. 1) It is easier to deposit a check on my iPhone than to drive to a local bank or ATM. 2) I use whatever ATM is closest when I need cash, as USAA reimburses any ATM Fees. ...
by Saleen
Wed Feb 06, 2013 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should My Pops Refinance His House?
Replies: 5
Views: 701

Re: Should My Pops Refinance His House?

Okay, My dad filled out some info on Bankrate.com and has been getting some phone calls with other potential offers. Many won't do his loan to value. One offer is from mortgagegrouplending.com, with $1400 in closing costs and a 3.75% APR, 1/2 a percent lower than the quicken loans offer. However, I ...
by Saleen
Tue Feb 05, 2013 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should My Pops Refinance His House?
Replies: 5
Views: 701

Re: Should My Pops Refinance His House?

Thanks for the info so far. Our biggest concern is getting him more cash flow each month. I agree the 4.2 seems a bit high based on what is available, but I think that is based on the high LTV. According to my dad, there is no mortgage insurance associated with the quicken loan, so the 1,175 would b...
by Saleen
Tue Feb 05, 2013 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should My Pops Refinance His House?
Replies: 5
Views: 701

Should My Pops Refinance His House?

Hi everyone, I am personally not a homeowner, nor am I apparently capable of understanding exactly how to compute the amount that would be paid over the course of a loan. I would appreciate some help in both opinions on this situation as well as some info on how to figure this out on my own. My dad ...
by Saleen
Tue Feb 05, 2013 2:08 pm
Forum: Investing - Theory, News & General
Topic: Carl Richards' Napkin Sketches
Replies: 27
Views: 2607

Carl Richards' Napkin Sketches

Not sure if this is the right place for this, but I wanted to share. Carl Richards does napkin sketches for the New York Times' "Bucks" blog. I've always found them entertaining and they tend to follow the advice followed and given here. Anyways, today I came across a page that had indexed his sketc...
by Saleen
Mon Feb 04, 2013 12:02 pm
Forum: Personal Consumer Issues
Topic: The perfect Boglehead car
Replies: 92
Views: 15137

Re: The perfect Boglehead car

I second the subarus. My family is on its 3rd WRX wagon. Just took a 600 mile road trip in the 2011 and it is very fun to drive and we averaged 26 mpg. Not the greatest, but we weren't exactly going for fuel economy up the curvy 101 on the coast.
by Saleen
Fri Feb 01, 2013 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Locking in short-term capital gains during unemployment?
Replies: 22
Views: 2908

Re: Locking in short-term capital gains during unemployment?

You say you've maxed out your roth, yet you don't intend to have any employment income in 2013? I don't think this is possible?
by Saleen
Fri Feb 01, 2013 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Willing to do 6 month interest rate match
Replies: 36
Views: 5955

Re: USAA Willing to do 6 month interest rate match

I love USAA Banking, and my USAA Banking checking account is where my paychecks are deposited and is where I keep my money to meet my daily needs. There rates are crap right now though! After getting .46% cashback on my credit card last year I just switched to Capital One's 1.5% cashback card. I onl...
by Saleen
Fri Jan 25, 2013 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for first credit card
Replies: 16
Views: 1290

Re: Advice for first credit card

LMCU has a credit card that gives 3% back on gas, 2% on groceries and 1% on everything else. Go to a branch and apply. They underwrite manually so it's not just a computer making a decision. Those are some pretty decent rewards and would keep you life simple as you are already a member. I would go ...
by Saleen
Fri Jan 25, 2013 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for first credit card
Replies: 16
Views: 1290

Re: Advice for first credit card

After getting .46% cash back last year on my USAA credit card, I took this week to research my options. First, as discussed above it is MOST important to pay off your balance each month. If that is not the case, you need the card with the lowest APR. However, if you are paying it off every month rel...
by Saleen
Fri Jan 18, 2013 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord dilema
Replies: 33
Views: 3212

Re: Landlord dilema

Google things such as the implied warranty of habitability, quiet enjoyment, and constructive eviction. Does this water heater problem raise to the level necessary for the tenants to break the lease? I don't think so. But, the one thing people never seem to consider when discussing legal situations ...
by Saleen
Thu Jan 17, 2013 7:35 pm
Forum: Investing - Theory, News & General
Topic: Boglehead contrarian index
Replies: 13
Views: 1499

Re: Boglehead contrarian index

I haven't seen many mortgage backed securities threads in the last few years....
by Saleen
Mon Jan 14, 2013 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: In a strange situation - portfolio review/advice
Replies: 11
Views: 1816

Re: In a strange situation - portfolio review/advice

With a current portfolio size of $5000, can the OP meet the minimum for each fund? May want to look at a target retirement fund for now, such as the 2045, which will give you your desired 90/10 AA.

This is what I did when I started with $3k.

This is more of a question than advice.
by Saleen
Fri Jan 11, 2013 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance?
Replies: 15
Views: 1744

Re: What to do with inheritance?

If you consider disgregarding the advice in this thread and paying some of your boyfriend's student loans, at least protect yourself as much as possible. If you do get married, perhaps include it in a prenuptual agreement. You can also create a contract between yourself and your boyfriend by which h...
by Saleen
Thu Jan 10, 2013 5:49 pm
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 27138

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1703.10

[edit] I thought today was the 9th, sorry!