Search found 766 matches

by kerplunk
Sat Oct 20, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve -points for family ?
Replies: 6
Views: 929

Re: Chase Sapphire Reserve -points for family ?

You need to explain your question more. Are you wondering if plane tickets you buy for your kids will earn you 3X points? The answer is yes.
by kerplunk
Wed May 30, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9812

Re: Router hack, have you acted?

Leesbro63 wrote:
Wed May 30, 2018 7:18 am
How do you update firmware? Does resetting the router automatically do that? I reset mine and it took a longer than usual time, I think, to reset. Maybe it was updating?
Go to your router configuration, usually at http://192.168.1.1 and find the software update section.
by kerplunk
Fri May 11, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 25883

Re: Why International again?

The sun rises every morning. Will it continue?

Past performance does not guarantee future results.

International stock is unnecessary for American investors.
by kerplunk
Tue Apr 24, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Help with selecting funds within a 401k
Replies: 5
Views: 546

Re: Help with selecting funds within a 401k

Institutional Index = S&P 500. Best advice you’ll ever receive? Put 100% of your money there and check back in 30 years.
by kerplunk
Sun Mar 11, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Best way to approximate VTSAX with my 401k choices
Replies: 30
Views: 1870

Re: Best way to approximate VTSAX with my 401k choices

Hilarious 401(k) expenses. I would be looking for a new place to drive my car every morning.
by kerplunk
Sun Feb 04, 2018 12:04 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice for a Boglehead in Training
Replies: 16
Views: 1386

Re: 401k Advice for a Boglehead in Training

20% match?! Greatest 401(k) in the world?
by kerplunk
Sat Feb 03, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21095

Re: For BHs who actually like cars - what is your daily driver?

If more than 50% of the power is coming from the front wheels, you can’t call yourself a car enthusiast.

My most recent vehicles:

2008 Porsche Boxster
2013 Audi S4
2014 BMW 335i M-Sport
2016 Porsche Cayenne
by kerplunk
Mon Jan 29, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: New job offer
Replies: 16
Views: 1648

Re: New job offer

Sounds like a no-brainer to me.
by kerplunk
Sun Jan 28, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Keeping a new BMW shiny!
Replies: 27
Views: 2914

Re: Keeping a new BMW shiny!

The best way to keep your BMW shiny is to get a new one every 3 years. :beer
by kerplunk
Thu Jan 25, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Help
Replies: 4
Views: 346

Re: 401(k) Help

Her accounts and your accounts should be looked at as one portfolio.
by kerplunk
Thu Jan 25, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: Quick Question: Too high of salary for a traditional IRA?
Replies: 9
Views: 1123

Re: Quick Question: Too high of salary for a traditional IRA?

There is a limit on how much you can deduct from taxes with a traditional IRA. If there is no tax deduction benefit, Roth IRA is a better option. Roth IRA has income limits, so you would want to do a Backdoor Roth IRA.
by kerplunk
Wed Jan 24, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 18697

Re: Dear wife quits job and now we are down to 1 income

Sounds like she wants to be a stay-at-home mom for the rest of her life. Otherwise, she would/should have found a another job before quitting.
by kerplunk
Wed Jan 24, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 3869

Re: Buying This Week: IPhone X or IPhone 8 Plus

Why are you replacing the iPhone 6 Plus?

I would bring it to the Apple Store and get the $29 battery replacement to extend its life and improve its performance. The next iPhone X will be out in September and it’s going to be much better.
by kerplunk
Sun Jan 21, 2018 12:06 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 40043

Re: What's your U.S. : International ratio?

Me:

50% US Total Stock Market
50% US Small Cap Value

(No International)


What I recommended for my retired father:

40% US Total Stock Market
10% International Total Stock Market
50% US Total Bond Market
by kerplunk
Sat Jan 20, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy Growth and Total Stock market -Roth
Replies: 10
Views: 1179

Re: Lifestrategy Growth and Total Stock market -Roth

I think he needs to take control of his investments and put some effort into settling on an asset allocation. If he already has, he should share it with you.

One should not invest based on what has performed well recently. Invest according to one’s IPS.
by kerplunk
Sat Jan 20, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 35
Views: 4688

Re: Job offer - no 401k offered

If this is a once in a lifetime job for you, definitely take it. If you’ve had trouble finding a job, take it. If you could get a similar job with similar pay, don’t take this one. I find it hard to believe that any Boglehead could recommend taking a job without a 401(k). We don’t know your entire s...
by kerplunk
Thu Jan 18, 2018 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Increasing Small Cap Value Tilt
Replies: 17
Views: 1870

Re: Increasing Small Cap Value Tilt

I wish VIOV had a mutual fund equivalent. Vanguard’s Small-Cap funds are a mid/small blend.
by kerplunk
Mon Jan 15, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover Before 59 and 1/2
Replies: 5
Views: 517

Re: Pension Rollover Before 59 and 1/2

Thank you, Alan and cherijoh. You’ve answered my questions. Greatly appreciated!
by kerplunk
Mon Jan 15, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover Before 59 and 1/2
Replies: 5
Views: 517

Re: Pension Rollover Before 59 and 1/2

Thanks. That explanation is a bit unclear to me, when you are calling everything a “distribution.”

True or false: rolling over a pension lump sum to an IRA at age 58, for example, will not incur any penalties.
by kerplunk
Mon Jan 15, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover Before 59 and 1/2
Replies: 5
Views: 517

Pension Rollover Before 59 and 1/2

I always thought that someone under the age of 59 and 1/2 who left their job could rollover a pension lump sum to a traditional IRA without any sort of penalty, as long as they didn’t withdraw from it. Is this true or not? Some people have challenged me on this topic and I wasn’t able to find a stra...
by kerplunk
Sun Jan 14, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Apple Mac Mini/Pro Updates? Don't Want iMac
Replies: 14
Views: 1607

Re: Apple Mac Mini/Pro Updates? Don't Want iMac

Get a MacBook (Pro) and attach it to a monitor/keyboard/mouse with its lid shut.
by kerplunk
Sun Jan 14, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 4197

Re: Any high-end skincare products worth it?

I use Puracy shampoo for my hair and Puracy body wash for my face and body. (Natural products.) There is no reason to use anything more than that. It takes a few weeks for your skin/body to adjust, but you’ll be happy you switched. Look at the reviews on Amazon.
by kerplunk
Sat Jan 13, 2018 12:30 am
Forum: Personal Consumer Issues
Topic: Has InformedforLife.org (vehicle safety ratings) gone too far?
Replies: 29
Views: 2482

Re: Has InformedforLife.org (vehicle safety ratings) gone too far?

My girlfriend was T-boned in her BMW X5 and the vehicle saved her life, no doubt. Other vehicle was a large pickup truck. If she was in a smaller car, who knows what would have happened. I bought a Porsche Cayenne a few days after her accident — large, heavy vehicle that handles well. It’s very scar...
by kerplunk
Wed Jan 10, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 13365

Re: Is it time for me to "call in rich"?

Yes, you can easily and safely retire.

Keep in mind that working for two more years would increase your net worth significantly.
by kerplunk
Sun Jan 07, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?
Replies: 21
Views: 1771

Re: Can only invest in Taxable and Roth IRA - most tax efficient place to hold bonds?

For tax efficiency, it makes the most sense to hold bonds in a tax advantaged account.

However, you generally want to hold your investment with the most growth potential in Roth accounts because you’ll never be taxed on that account again.
by kerplunk
Sat Jan 06, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Huge difference in holdings between Vanguard Mid Cap ETF and iShares S&P 400 Mid Cap ETF
Replies: 3
Views: 664

Re: Huge difference in holdings between Vanguard Mid Cap ETF and iShares S&P 400 Mid Cap ETF

Yep. Same with Vanguard’s Small Cap offerings. Search for all of these funds at Morningstar and choose “Portfolio” to see what you’re really buying.
by kerplunk
Sat Jan 06, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take this promotion?
Replies: 26
Views: 2443

Re: Should I take this promotion?

Ask the employer in advance to consider returning you to your happy place if the promotion does not work out. Give you an escape route. More than likely you will do just fine at the new level of responsibility. I wouldn’t recommend this. It looks weak. You need to commit one way or the other and it...
by kerplunk
Fri Jan 05, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: "The Boglehead Philosophy"
Replies: 8
Views: 1180

Re: "The Boglehead Philosophy"

39 words that changed my life.

Thank you, Taylor.
by kerplunk
Fri Jan 05, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Most conservative portfolio?
Replies: 4
Views: 618

Re: Most conservative portfolio?

That’s not really a lot of data. (2008-present)

This might be helpful to you: https://personal.vanguard.com/us/insigh ... llocations
by kerplunk
Sun Dec 31, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Proceeds from RE sale go where for retirement?
Replies: 11
Views: 853

Re: Proceeds from RE sale go where for retirement?

Agreed with the folks above. Funding priority wiki.

Advice regarding real estate in Florida: don’t choose a property in a flood zone and make sure the structure does not have a flat roof.
by kerplunk
Sat Dec 30, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter's John Hancock 401k
Replies: 13
Views: 1177

Re: Daughter's John Hancock 401k

Horsefly wrote:
Sat Dec 30, 2017 2:01 pm
I can see that they charge 1.13% on a pro-rata basis for all investments, and $39.96 per participant per year.
Did you find out if this is true?
by kerplunk
Sat Dec 30, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Would you include small cap and international in 401k in ER 0.30-0.78?
Replies: 17
Views: 1502

Re: Would you include small cap and international in 401k in ER 0.30-0.78?

0.30 and 0.37 are higher than ideal, but not awful for a 401(k). Just continue maxing your Roth IRA. Chances are that you won’t be at your company forever, so you’ll be able to rollover all of your 401(k) contributions to an IRA at that time. For your current situation, I would stick with that S&P 5...
by kerplunk
Fri Dec 29, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Opening taxable - where and which fund?
Replies: 1
Views: 396

Re: Opening taxable - where and which fund?

I’ve called Vanguard over 20 times in the past two years and never had an experience that was anything but excellent.

You can compare history tax costs at Morningstar. I believe the Vanguard Total Stock Market is more efficient, even with the foreign tax credit factored in.
by kerplunk
Thu Dec 28, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Payoff Mortgage or keep VWIUX
Replies: 8
Views: 1171

Re: Payoff Mortgage or keep VWIUX

I would not pay it off. That's an amazing interest rate -- probably equal to the current inflation rate.
by kerplunk
Thu Dec 28, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 4933

Re: Maxing out retirement accounts

I max out my Roth 401(k), Roth IRA, and HSA because I want the option of early retirement. Maybe I will work forever, but the future is unpredictable.
by kerplunk
Thu Dec 28, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Income Fund - Only 20% stocks?
Replies: 20
Views: 2562

Re: LifeStrategy Income Fund - Only 20% stocks?

I would never go less than 30/70. Here are the Vanguard portfolio allocation models: https://personal.vanguard.com/us/insigh ... llocations
by kerplunk
Wed Dec 27, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help selecting bond in my 401k
Replies: 6
Views: 545

Re: Help selecting bond in my 401k

Fidelity® U.S. Bond Index Fund - FXSTX - 0.035%

Enjoy.
by kerplunk
Wed Dec 27, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 14453

Re: Another should i buy my dream porsche thread...

You're only young once. Just don't get into a crash.

You could save about $35k and get a BMW M4. It is no slouch.
by kerplunk
Wed Dec 27, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 59
Views: 5636

Re: Diamonds are forever.

One of the most fun things my wife and I did was to have rings designed and custom made by a local jeweler. They were actually less expensive than buying similar rings “off the rack” at the mall. And now we get to look at them every day. Just sayin’. All you haters. Sheesh. The guy just wants to do...
by kerplunk
Wed Dec 27, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 88
Views: 16754

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

Not sure if this has been pointed out before, not all AWD systems are the same. Honda uses the poor kind. Honda: 100% of the drive is powered by the front wheels until slip is encountered, THEN it becomes 90% front and 10% rear. They have been blasted in the past for previous generations not working...
by kerplunk
Wed Dec 27, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 59
Views: 5636

Re: Diamonds are forever.

One of the most fun things my wife and I did was to have rings designed and custom made by a local jeweler. They were actually less expensive than buying similar rings “off the rack” at the mall. And now we get to look at them every day. Just sayin’. All you haters. Sheesh. The guy just wants to do...
by kerplunk
Wed Dec 27, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 59
Views: 5636

Re: Diamonds are forever.

My girlfriend works for a large, well-known company that only sells high end jewelry. She also has years of GIA training. She considers jewelry from places like Kay, Jared, Zales, and so on, to be junk--for people who don't know any better. My personal opinion of jewelry is that it is a complete was...
by kerplunk
Wed Dec 27, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: The car dealership model needs to die
Replies: 85
Views: 5548

Re: The car dealership model needs to die

In the past 6 years, I've purchased or leased brand new vehicles from VW, Audi, Porsche, BMW, and Honda dealerships. Best experience to worst: 1. Audi 2. Porsche 3. BMW ... Huge space here ... 4. VW ... Big space here ... 5. Honda Honda was by far the worst experience I've ever had at a car dealersh...
by kerplunk
Wed Dec 27, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: What computer should I get?
Replies: 36
Views: 3860

Re: What computer should I get?

I5 or i7 processor 8 or 16 GB RAM 256 or more SSD storage Windows 10 I would get a laptop. You can attach a monitor if you want a bigger screen. For laptops, look at: Dell XPS Laptop Microsoft Surface Laptop Those are the only Windows laptops I would look at, personally. A lot of people like Lenovo ...
by kerplunk
Tue Dec 26, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 88
Views: 16754

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

I live in Florida and just bought a new CR-V. It is front wheel drive. I wish it was all wheel drive. Nothing worse than front wheel spin. Get AWD — you won’t regret it. I have one CRV with AWD and one CRV with FWD - we live in the northeast and they have very similar capabilities. You can make a l...
by kerplunk
Tue Dec 26, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 5168

Re: Statefarm Auto Insurance goes up every 6 months without reason?

Shop around. Progressive has always had the cheapest rates for me. I'm 32, Florida, no accidents, 2017 CR-V, and my insurance costs $600 every 6 months. It's pretty insane.
by kerplunk
Tue Dec 26, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Should I preserve parents’ risky portfolio? Or “disobey” them?
Replies: 74
Views: 5948

Re: Should I preserve parents’ risky portfolio? Or “disobey” them?

I would trust Vanguard on this one: Vanguard Target Retirement Income Fund.

You would probably sleep better at night knowing that you made a safe decision.