Search found 599 matches

by StormShadow
Mon Dec 03, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off today only
Replies: 11
Views: 1488

Re: Target gift cards 10% off today only

Thanks for the heads up! Just got a gift card now. :thumbsup
by StormShadow
Fri Nov 30, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4385

Re: How do Bogleheads justify taking vacation?

Can fellow Bogleheads and financially prudent people explain how do you justify taking vacation? Burnout. Seriously, if you love to work and hate taking time off... go ahead and do it. But questions like this are akin to asking why spend time/money on anything? Why a nice car, why a nice watch, why...
by StormShadow
Mon Nov 26, 2018 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Am I too risk averse?
Replies: 45
Views: 3362

Re: Am I too risk averse?

Goal33 wrote:
Mon Nov 26, 2018 1:04 am
Yes you’re too risk adverse
I disagree.

OP should stick with whatever asset allocation they feel comfortable with.

Comfortable with 28% stocks and $3.5 million, I don't see a problem with it. I'd say congrats on winning the game!
by StormShadow
Wed Nov 21, 2018 10:30 pm
Forum: Investing - Theory, News & General
Topic: Do you need to invest mostly in stocks to get rich?
Replies: 178
Views: 16998

Re: Do you need to invest mostly in stocks to get rich?

CULater wrote:
Wed Nov 21, 2018 5:59 pm
Do you need to invest mostly in stocks to get rich?
No, you need to save more than you spend to get rich.
by StormShadow
Tue Nov 20, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8547
Views: 1672405

Re: U.S. stocks in freefall

willthrill81 wrote:
Tue Nov 20, 2018 12:27 pm
VTI is still showing a 2.29% gain for the year. What's all this talk about a bear market?
???

VTI on 1/2/2018: 138.22
VTI 11/20/2018 @12:32: 136.32

Down 1.37% YTD
by StormShadow
Mon Nov 19, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17156

Re: Vanguard lowering Admiral level to $3,000?

rkhusky wrote:
Mon Nov 19, 2018 10:08 am
Hope they don't raise the ER on Admiral to compensate for higher costs.
Nah, if anything they'd follow Fidelity and create zero ER index funds for the larger accounts.
by StormShadow
Fri Nov 09, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Save/Invest with Student Loans?
Replies: 13
Views: 1470

Re: Save/Invest with Student Loans?

1. You'll never be at fault for paying down your student loans. Whether or not you consolidate at a lower rate, working on this ASAP is a no brainer. 2. I'd keep enough for a comfortable EF. I'd use the rest to pay down the loans or invest. I don't recommend saving for a home until the student loans...
by StormShadow
Thu Nov 08, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: what to do with 403b and 457 $$
Replies: 2
Views: 337

Re: what to do with 403b and 457 $$

Daughter taught school in Massachusetts and then in California. She is going to figure out what to do with her 403b $$ (Mass) and 457 $$ (Cal), but was hoping I could give her a little direction. The amounts are not substantial ($10k total). Generally, what are her options/what do people generally ...
by StormShadow
Fri Nov 02, 2018 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 11050

Re: Panic set in... now what?

I have roughly 1M (over 800K in cash right now) in retirement funds plus 600K in non-retirement cash. I believe I could go for 10 years without drawing from my retirement funds since my home is paid for. I'd go for 50/50 for 5 years, then 40/60 after that. I don't think anybody would fault you for ...
by StormShadow
Fri Nov 02, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Model 3 Mid-Range or Volt
Replies: 27
Views: 2289

Re: Model 3 Mid-Range or Volt

I have been in the market for an EV/Plugin for quite a while. Tesla just added a Mid-Range Model 3 for $46K. I have narrowed down my choice to that vs. a Chevy Volt which is considerably cheaper at $38k for the Premier model. I am coming from an Infiniti Q50 lease which is well equipped. The main d...
by StormShadow
Fri Nov 02, 2018 12:54 am
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 11050

Re: Panic set in... now what?

I have roughly 1M (over 800K in cash right now) in retirement funds plus 600K in non-retirement cash. I believe I could go for 10 years without drawing from my retirement funds since my home is paid for. I'd go for 50/50 for 5 years, then 40/60 after that. I don't think anybody would fault you for ...
by StormShadow
Mon Oct 22, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5224

Re: What to do with >$1000 in Amazon credits?

Mainly this came in the form of a $1000 Amazon gift card I got through purchasing a subscription for CME, but I also will have another $100 soon from a referral bonus. That these CME online journals/courses would offer such a bonus always makes me feel like I'm getting swindled. :? I keep one journ...
by StormShadow
Sun Oct 21, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 76
Views: 10242

Re: My Edward Jones IRA is out performing my Vanguard 401K

I will be discussing with my EJ advisor this week the ER fee discrepancy many of you have brought to my attention. Thank you for that! I will let you know what he says. This will dictate what I do with the EJ investments. Oh, please let us know what sweet nothings he whispers into your ear about Ed...
by StormShadow
Sat Oct 20, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Roth IRA
Replies: 16
Views: 1271

Re: Wife Roth IRA

Is that correct? Any other ways for my wife to save money? I have maxed out my 401K each year (along with my company's matching portion). Appreciate any advice you can provide! Do you or your wife have a health care or child/dependent care FSA available? Both are use it or lose it options, but if y...
by StormShadow
Sat Oct 20, 2018 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 76
Views: 10242

Re: My Edward Jones IRA is out performing my Vanguard 401K

For the past year or so, my EJ accounts have substantially out performed my Vanguard 401k. Do these results make sense? I think my EJ account is mostly mutual funds and/or index funds my advisor selected.... I do not know much about investing and was hoping someone could explain to me why I should ...
by StormShadow
Fri Oct 05, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: My apathetic sister's rollover IRA Money Market
Replies: 12
Views: 1088

Re: My apathetic sister's rollover IRA Money Market

welderwannabe wrote:
Fri Oct 05, 2018 10:53 am
Stay away.
+1

If you like, buy her this...
Image

My sister "borrowed" my copy and hasn't returned it. :?
by StormShadow
Fri Oct 05, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 13072

Re: What purchase saved you the most money?

Toyota instead of BMW.
by StormShadow
Mon Sep 24, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25763

Re: What is your single most expensive mistake?

Buying too much house as a "starter" home.

Any number of individual stocks that I came close to pulling the trigger on, but ultimately didn't (google, amazon, apple... etc, etc).
by StormShadow
Sun Sep 23, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16159

Re: iPhone XS Max

Have an SE. Perfect size to carry around. It and the 5 series it’s based on have a reputation of being among the most reliable of all the iPhone models.

Personally, I’d rather use that $1,100 on an iPad and/or get the gen4 Apple Watch.
by StormShadow
Sat Sep 22, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing, I feel lost
Replies: 43
Views: 2100

Re: New to Investing, I feel lost

I will be making ~$45K/year...I can live a year with $7K, set funds aside for an emergency, and invest a good percentage of what's left. Find your asset allocation (percent stocks vs bonds); I recommend 90/10, 85/15 or 80/20 using nothing but low cost index funds. Max out your 401k according to you...
by StormShadow
Tue Sep 18, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2314

Re: $180 IPhone SE or $90 Iphone 5S

I need to get a cellphone in the next day. I have narrowed it down to two options: Option 1: $180 Brand New Factory Unlocked Iphone SE, 32 GB. Option 2: $90 Manufacturer Refurbished Iphone 5S, 16GB. Which one is a better value? I won't be using this phone much - it's going to be more like a backup ...
by StormShadow
Sat Sep 15, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 307
Views: 53963

Re: What is your luxury good?

tldr...

Bucks of Star.
by StormShadow
Thu Sep 06, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 131
Views: 8042

Re: Should I keep my financial advisor

They charge flat retainer fee of 5k per year, soon to go up to 6k. My total investment is about 200k. I have some basic understanding of investment and fund selection. My question to all of you is are financial advisors worth their fees.. Should I keep my advisor or should I try to do it by myself....
by StormShadow
Tue Aug 28, 2018 2:54 pm
Forum: Investing - Theory, News & General
Topic: Views on VNQ / GLD with the market at highs
Replies: 6
Views: 598

Re: Views on VNQ / GLD with the market at highs

skor99 wrote:
Tue Aug 28, 2018 2:26 pm
Any thoughts ?
Yeah, don't try to time the market.
by StormShadow
Tue Aug 28, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on paying off debt vs investing
Replies: 32
Views: 2333

Re: Thoughts on paying off debt vs investing

If you're in the second highest income tax bracket and have student loans with interest rate then of course you pay down your loans. It doesn't make sense to compare your loan interest rate to the stock market return. There is zero risk with paying down your loans. Compare it to buying a short term ...
by StormShadow
Thu Aug 23, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: How come people use Amazon Locker?
Replies: 15
Views: 1588

Re: How come people use Amazon Locker?

SuperGrafx wrote:
Thu Aug 23, 2018 2:15 pm
People who live in ares where 'porch pirates' are prevalent.
+1000
by StormShadow
Wed Aug 22, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Toyota Camry - Considering Purchase - Panoramic Sunroof?
Replies: 30
Views: 1860

Re: Toyota Camry - Considering Purchase - Panoramic Sunroof?

I have a Toyota Camry with a sunroof.

I use it on occasion and I like it.

I wouldn't buy a car without it.
by StormShadow
Fri Aug 17, 2018 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on where to keep safe money
Replies: 10
Views: 1549

Re: Need advice on where to keep safe money

I found this: https://www.tiaabank.com/banking/money-market Does this look okay? I see no fees, no minimum, no "catches" but am I missing anything? Does anyone know anything about this company either good or bad? Does this seem like a reasonable place to park money. They are a subsidiary bank of TI...
by StormShadow
Sun Aug 12, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor or no advisor?
Replies: 16
Views: 1488

Re: Advisor or no advisor?

1. Part of the reason for an advisor is that DW is the one doing the managing with minimal input from me as she is more comfortable doing it. Her concern is that if something would happen to her, I would be a bit lost and having an advisor who knows what's going on would be helpful. 2. We have been...
by StormShadow
Sun Aug 12, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor or no advisor?
Replies: 16
Views: 1488

Re: Advisor or no advisor?

What I would do... 1. Wouldn’t bother having an advisor. But my DW has a pretty good idea of what to do if something were to happen to me. You might want to discuss this with your significant other. For most folks I think it’s a waste of money. The only real benefit a financial advisor provides is p...
by StormShadow
Sun Aug 12, 2018 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor Mandatory?
Replies: 36
Views: 3425

Re: Financial Advisor Mandatory?

Nissanzx1 wrote:
Sat Aug 11, 2018 7:36 am
Do we need a financial advisor?
Nope.
Nissanzx1 wrote:
Sat Aug 11, 2018 7:36 am
They even consult with them before buying appliances or furniture...
Same response to the financial advisor question... you can do this yourself.
by StormShadow
Sun Aug 12, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25840

Re: most compelling TV character ever

Data - ST:TNG.
Saul Goodman, James McGill - Breaking Bad, Better Call Saul
Dustin - Stranger Things
Corporal Klinger - MASH
Murray - Mad About You
by StormShadow
Sun Jul 29, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan for car payoff - bond allocation used
Replies: 13
Views: 1215

Re: 401k loan for car payoff - bond allocation used

The self interest you are paying yourself is with after-tax money. You'll pay a second income tax on it when you redeem it at retirement age. The payments being made on the car loan are after-tax as well, so that's a wash. While it's true that the interest re-paid back into the 401k is taxed upon d...
by StormShadow
Sun Jul 29, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 14074

Re: Should I Dump a Pile of Money on Young Son?

Many thanks to everyone who posted. The postings certainly show that this is not a clear-cut matter. It really helps though to get a lot of ideas and opinions and I have already begun to absorb them into my thinking and actions. Had a meaningful conversation about all of this with son yesterday whi...
by StormShadow
Wed Jul 25, 2018 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan for car payoff - bond allocation used
Replies: 13
Views: 1215

Re: 401k loan for car payoff - bond allocation used

The self interest you are paying yourself is with after-tax money. You'll pay a second income tax on it when you redeem it at retirement age. Also, you may lose out on the opportunity cost of not having your money in the stock market. Assuming you buy into the belief of "time in the market" > "timin...
by StormShadow
Thu Jul 19, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 107
Views: 5945

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

I have a wrist Watch collection valued at conservatively $80,000... Looking for opinions on if this is out of balance or workable? I think that is a lot of money spent on watches. But I own a Rolex and am contemplating spending $60k on a BMW, so what do I know. Only reason I haven't bought the BMW ...
by StormShadow
Fri Jul 13, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Buying Used Honda/Toyota -- How old is too old?
Replies: 16
Views: 1351

Re: Buying Used Honda/Toyota -- How old is too old?

We want to buy either a used CR-V or RAV4 for our teen to commute to school (30 minutes each way on highway). We want something safe/reliable but want to send the message that it's no frills transportation (e.g. a few steps up from a "beater"). We'd prefer to spend under $10K which would get us som...
by StormShadow
Thu Jul 12, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Self Employed 48years old and nothing saved for retirement
Replies: 41
Views: 5592

Re: Self Employed 48years old and nothing saved for retirement

I'd give up on the house, rent and use the savings for your house purchase to jump start your retirement.

Spend less, save more.

Roth IRA and solo 401k with self-matching.
by StormShadow
Sat Jul 07, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Gold and silver in portfolio
Replies: 2
Views: 492

Re: Gold and silver in portfolio

From a strictly investing standpoint, no its not wise to add gold/silver into your portfolio. Its a commodity. On a day-to-day/month-to-month basis its pure speculation. At best, it is a hedge against inflation. You shouldn't expect any long term growth from it. That all said, I do own a few gold an...
by StormShadow
Fri Jul 06, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Roll over old 401k to Vanguard?
Replies: 6
Views: 477

Re: Roll over old 401k to Vanguard?

I am struggling to understand why you are willing to transfer out of a no-fee 401k unless the investment options are terrible. One of the cardinal rules is to keep the fees as low as possible. Simplicity. If he drops dead tomorrow, it'll make it easier for his family to consolidate his assets. Not ...
by StormShadow
Fri Jul 06, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Helping Parents. Just Moved to VG
Replies: 15
Views: 1068

Re: Helping Parents. Just Moved to VG

Vanguard lifecycle for 2020 retirement (VTWNX): Vanguard Total Stock Market Index Fund Investor Shares 32.80% Vanguard Total Bond Market II Index Fund Investor Shares 28.90% Vanguard Total International Stock Index Fund Investor Shares 21.20% Vanguard Total International Bond Index Fund Investor Sha...
by StormShadow
Fri Jul 06, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 19910

Re: Morningstar: prepare for a lost decade for U.S. stocks

So..... be greedy when others are fearful? :beer :beer :beer
by StormShadow
Tue Jul 03, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10488

Re: What’s your plan for a market downturn?

What I hope to do?
- Rebalance aggressively into stocks.

What I probably will do?
- Turn off the news.
- Focus on work and contribute to my retirement plan as before.
- Pay down debts.
- Check into Bogleheads more frequently.
by StormShadow
Sun Jun 24, 2018 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Podcasts on money management and investing basics
Replies: 22
Views: 1473

Re: Podcasts on money management and investing basics

Off the top of my head: Money Girl, Dave Ramsey and Vanguard (they had several running). There are a lot of them. I find that they can get a little repetitive and boring... which is what good investing should be. Or you could just point her here. Personally, I enjoy listening to Planet Money and Fre...
by StormShadow
Fri Jun 22, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8949

Re: how to make friends in new location?

Moving to a new city 6 hours away. Worried about making friends for wife. I am half man half monk. Can do without others because I have wife but she is not like this. She loves things like bocce, and indoor heated pool swimming. she found those two activities here. They tend to be an older crowd wh...
by StormShadow
Wed Jun 20, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 156
Views: 45155

Re: Is the first 100k really the hardest?

The first 100k came pretty quickly once I started working with a 401k. But I'm finding that first $1 million to be pretty friggin hard to get to. I'm not even a third of the way there, so it feels like an unreachable goal. :-( I'm constantly tempted to just blow my money on that luxury car I've alwa...
by StormShadow
Mon Jun 18, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 275345

Re: Best watch for around $5,000?

Image
Or a Rolex :beer
by StormShadow
Sun Jun 17, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Price Manipulation
Replies: 45
Views: 5696

Re: Bitcoin Price Manipulation

Sounds like a post from Dec 2017. We had the bubble talk a few times here. If you haven't got the memo: the bubble popped already and everybody was happy to be right. Now you say it's a bubble, leaving me confused. It's STILL a bubble. Bubbles can have more than one peak, you know. https://cdn-imag...
by StormShadow
Sun Jun 17, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9477

Re: Which Supermarket are you?

I use the local supermarket. Never bought into the organic hogwash.

Plus, using my local supermarket gets me a small discount on gasoline.