Search found 542 matches

by StormShadow
Fri Apr 13, 2018 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to start 529 without kids??
Replies: 49
Views: 3479

Re: Crazy to start 529 without kids??

No, I would invest in taxable account in very tax efficient index funds. Much more flexible and if life becomes more clear then you could fund 529s. +1 I'd hold off the 529 until you have kids. Frankly, if I were you I'd park it all into a high yield savings account and read up on investing before ...
by StormShadow
Tue Mar 27, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Taking out a loan to re-pay 401k loan?
Replies: 33
Views: 1690

Re: Taking out a loan to re-pay 401k loan?

The other argument against taking 401k loan is that you would forgo the investment gain on the loan amount but the gain is not for sure and the loan would allow you to lock in a 3.25% safe return rate. I don't know if I'd call it a safe return rate, because you're paying for it. Its more like a man...
by StormShadow
Mon Mar 26, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Taking out a loan to re-pay 401k loan?
Replies: 33
Views: 1690

Re: Taking out a loan to re-pay 401k loan?

I had taken out a 50k 401k loan a few years ago to finance a house. I'm happy with the decision and house has appreciated during that time, I've gotten to live here and enjoy it this whole time, and the interest on the loan is relatively low 3.25%. ...... On the other hand, the terms are nice, albe...
by StormShadow
Sat Mar 24, 2018 11:59 pm
Forum: Investing - Theory, News & General
Topic: Invests money, 3 days later the market tanks.
Replies: 58
Views: 7103

Re: Invests money, 3 days later the market tanks.

The stock market tanks on 3-23-18 and I lose $3,500. Why did you sell out at 3/23/2018? If you did, then that was dumb and that is why you shouldn't try to time the market. Or you didn't sell out and just the value of all of the investments went down by $3500 (which I suspect is the case)... if so,...
by StormShadow
Wed Mar 21, 2018 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: My 1st portfolio questions
Replies: 14
Views: 1054

Re: My 1st portfolio questions

What I'd do: 1. Pay off the car. 2. Finish out your emergency fund. 3. Contribute to 401k to the match (if available). Put it into the lowest ER without loads (looks like RGAEX). 4. Max out your IRA. 5. Max out your remaining 401k (again, I'd put it ALL into the fund with the lowest ER). Adjust your...
by StormShadow
Wed Mar 21, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Another reason to steer clear of Bitcoin. As if we need another reason...
Replies: 47
Views: 6279

Re: Another reason to steer clear of Bitcoin. As if we need another reason...

Sorry, thought I would chime in. Anyone wishing to truly understand crypto-currencies, and more importantly 'blockchain' technology -- I would encourage to do so. Many feared the internet when it was created, but that never stopped it's progression. No one is asking people to invest in 'crypto-curr...
by StormShadow
Wed Mar 21, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs renting - really tough decision to make
Replies: 64
Views: 4358

Re: Buying vs renting - really tough decision to make

No brainer. Rent. Invest the rest.

I'd consider renting even after marriage now that the standard deduction is so high. Once you have a couple kids and need to think about schools, then buy a house.
by StormShadow
Mon Mar 19, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11534

Re: 2018 Forester vs CRV vs RAV4

(3) 2018 Toyota RAV4 XLE FWD with "Power Plus" or "Power Premium" package We have an older model Rav4. Ours was the last year they had a V6 engine, which is pretty quick. The car is a tank and fun to drive especially for an SUV. My gas mileage isn't as good as the newer models. I have friends that ...
by StormShadow
Thu Mar 01, 2018 7:24 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 111
Views: 8512

Re: How does one emotionally keep it together during market swings?

GrayS26 wrote:
Sun Feb 11, 2018 3:59 pm
How does one emotionally keep it together during market swings?
I watch Netflix.
by StormShadow
Tue Feb 27, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 5102

Re: Dealership oil change worth it?

Time to take my car for an oil change. I compared prices and Honda usually charges more when compared to local mechanics. I was wondering if there is any benefit in getting it done at Honda vs going for the cheaper option. I don't have the time to do it myself so that is not an option. If its cover...
by StormShadow
Tue Feb 27, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 9358

Re: Blasphemy... DO PEEK!

I propose a different approach. If you are armed with knowledge and logic, daily swings in the market will not phase you. More importantly, I believe that growing accustomed to the daily swings in the market will harden you for more robust corrections in the future . I suspect that most people woul...
by StormShadow
Tue Feb 27, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: paying for child's college tuition - does it count towards the limit for gift tax?
Replies: 40
Views: 2917

Re: paying for child's college tuition - does it count towards the limit for gift tax?

No, it does not. The gift tax does not apply to an amount you paid on behalf of an individual to a qualifying domestic or foreign educational organization as tuition for the education or training of the individual. Yes it does, unless it’s paid directly to the institution. Gill No, it does not. Pay...
by StormShadow
Mon Feb 19, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9844

Re: Do you wear a wedding band? [at a job interview]

I have a really nice platinum band, but as the years have gone by I've gotten a little... er... plump. So the ring is pretty uncomfortable.

But I do wear it for certain events like weddings or other dressy gatherings which includes any job interview.
by StormShadow
Fri Feb 16, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 10728

Re: Honda vs. Toyota: Which has more bang for the buck?

Thanks for all the replies! I ended up buying a new Camry SE last night that I will pick up today. They gave me a good deal I think - about $2500 off of MSRP and a higher than expected trade-in value for my 14 year old car, so I was out of there for less than 20k. I love the car - very nice smooth ...
by StormShadow
Fri Feb 16, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 10728

Re: Honda vs. Toyota: Which has more bang for the buck?

My Honda Element is going on 14 and I'm researching car replacements. My last three cars have been Hondas, but I learned to drive in a Toyota and know they are good cars. I was going to go with a Civic, Accord or CRV, but have been reading about the stellar safety features in Toyotas - even the low...
by StormShadow
Tue Feb 06, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Buy Low, Don't Sell
Replies: 38
Views: 5498

Re: Buy Low, Don't Sell

Like most folks here, I already dollar-cost-average through my employer retirement plan (401k/403b). But for those that haven't yet bought their IRA, now strikes me as a very good time to buy up for 2018. I'm maxing out the $11,000 for 2018 IRA contributions this week for me and DW. Some mix between...
by StormShadow
Sat Feb 03, 2018 4:22 am
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6797

Re: Finally going to invest, brother is FA

Just opened an account with Vanguard. I will be starting Roth IRA's for both my wife and I, and I'm thinking about fully funding them for 2017 and 2018 now, with the market down today. I'm thinking about keeping it simple with a 60-30-10 U.S, International, and bond indexes. Think this is a good st...
by StormShadow
Sat Feb 03, 2018 4:11 am
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 8215

Re: Alan Greenspan says there are bubbles in both stocks and bonds

Not as much of a bubble as Bitcoin.

So there's risk in stocks, bonds and every other investment. Shocker.
by StormShadow
Sat Feb 03, 2018 4:07 am
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 8145

Re: Fewer acronyms please

alexander29 wrote:
Thu Feb 01, 2018 7:20 pm
For those of us on the slower side, spell it out!
No.

Look 'em up. Its not hard.

Welcome to Bogleheads.
by StormShadow
Thu Feb 01, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone own gold?
Replies: 25
Views: 2155

Re: Does anyone own gold?

I have a few silver and gold coins. It doesn't make up 5% (maybe close to 1%) and I don't recommend it as an investment.

But I'd MUCH rather have gold than bitcoin. :mrgreen:
by StormShadow
Thu Feb 01, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61854

Re: Netflix, Your Current Favorite Show

I just finished Season 2 of Better Call Saul , which is the latest available on Netflix. A quick google search suggests that Season 3 will show up on Netflix a few weeks before Season 4 is released on AMC. Hopefully, that will occur around the end of March. Loved Season 2. But I'm finding Season 3....
by StormShadow
Thu Feb 01, 2018 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 9784

Re: How risky is Med school student loan debt?

100% disagree on medschool being the most difficult time. Residency is the most difficult time in life. Sure studying was nerve wracking but being an intern in the middle of the night and figuring out whether to intubate someone or not was my hardest moment. Having life and death in my hands change...
by StormShadow
Thu Feb 01, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 9784

Re: How risky is Med school student loan debt?

http://notadoctorjustamd.blogspot.com/2 ... m.html?m=1 https://www.thestar.com/news/canada/201 ... grads.html Those scenarios, fortunately, are rare. The closest I've seen to this is a mediocre-ish med student aiming for a super competitive specialty, and not willing to compromise... before realizi...
by StormShadow
Thu Feb 01, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 8167

Re: I have an overwhelming gift I'm in need of help of please.

Stop. Breathe. Breathe again. Deeply. You are writing as if you need to take action immediately. Why not transfer the money to a brokerage, and let it sit in cash for a bit (I believe Vanguard and Schwab have relatively decent cash options). That gives you time to make a good plan. This. If I were ...
by StormShadow
Fri Jan 26, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8928

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I'm still using a 5 year old iphone 5. I see no need to upgrade! Just put on a battery case from Amazon that allows me to use the phone all day without recharging. Who's with me? No new phones!!! I have a 5s. Its a tank. Still running strong, although the battery life seems to be getting shorter. I...
by StormShadow
Sun Jan 14, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 22
Views: 2404

Re: Daughter Med School Money 100K where to Put it

If her GPA is 3.0- go ahead and spend it. What is the logic behind this? What makes you think her GPA is "3.0-"? She finished college a year early, so a sub-3.0 GPA sounds unlikely. Or was this supposed to be a tongue-in-cheek comment? If so, I don't find it very funny. Anyhow, as someone who also ...
by StormShadow
Sat Jan 13, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 98
Views: 11439

Re: REIT or No REIT

I'm helping my brother with his long term investing. He does not have access to a tax-advantaged account at the moment. Perhaps in 2-3 years but still uncertain. The allocation I would like for him is: 80% Stocks (US, Dev-Ex US, EM) 10% Reits (US, International) 10% US long term bonds The Question ...
by StormShadow
Sat Jan 13, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: why do banks bother offering lousy CD rates?
Replies: 49
Views: 4967

Re: why do banks bother offering lousy CD rates?

Very hard for them to understand the concept that the B&M bank was making a killing off of them. That is my concern too -- that they are actually preying on those that aren't paying attention. Preying on them? That's a little harsh. I mean, the unauthorized Wells Fargo accounts is one thing... but ...
by StormShadow
Sat Jan 13, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Invest Emergency Fund
Replies: 11
Views: 1034

Re: Where to Invest Emergency Fund

Before you disagree with the theory of investing the emergency fund, read here: https://www.betterment.com/resources/personal-finance/safety-net-funds-why-traditional-advice-is-wrong/ Given what I've said, let me know where you'd put it (either my top 2 choices, the 6 funds I initially considered, ...
by StormShadow
Fri Jan 12, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 3036

Re: Best Movies of 2017

My additions...

Best
American Made

Better
Guardians of the Galaxy, Vol2

Would take Dunkirk off this list. I like most Christopher Nolan and war films... some high points, but overall felt this was a snoozefest. Perhaps it's because I saw this on DVD on my laptop and didn't get the IMAX experience.
by StormShadow
Thu Jan 04, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 137
Views: 11609

Re: 2018 Hedge Fund contest

Sweep The Leg, Johnny!

Long
AMZN - Amazon
NVDA - NVidia

Short
SHLD - SEARS
WRE - Washington REIT

Thanks Tanelorn and BackOfTheNet! :beer
by StormShadow
Thu Dec 21, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 37556

Re: 2017 hedge fund contest

Please sell out/lock in my positions for ATVI, NVDA and SHLD.

Thanks!
by StormShadow
Mon Dec 11, 2017 10:32 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 37556

Re: 2017 hedge fund contest

Suggestion for 2018 hedge fund contest:
Each fund has to pick 3 long and 3 short stocks. :beer
by StormShadow
Sun Dec 10, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford? (First Home)
Replies: 27
Views: 2730

Re: How much house can I afford? (First Home)

Rent.

Having flexibility with your wife's ability to re-locate is invaluable at this stage of her career. My 2 cents as a doc.
by StormShadow
Mon Nov 27, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11979

Re: Didn't buy Bitcoin at $4600

Didn't buy Apple stock at $12/share back in 2007 when they announced the new iPhone. Had a good feeling it'd be a popular product. Fast forward 10 years later and Apple is trading at around $174/share. *Shrug* It happens. I don't buy individual stocks and I don't speculate in currencies. So, I would...
by StormShadow
Sun Nov 26, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 31023

Re: Anyone tired of the stock market going up?

Anyone tired of the stock market going up?
Nope.

Rebalance. Problem solved.
by StormShadow
Thu Nov 23, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investment suggestions after arrival of a new born
Replies: 13
Views: 1089

Re: Investment suggestions after arrival of a new born

I am wondering what all I can do to make baby's financial future more secure. So far I understand I need to do these 2 things: (1) Open 529 account and fund it appropriately. (I am still researching on what "appropriately" would mean for me here) (2) Open a savings account for the baby and periodic...
by StormShadow
Mon Oct 30, 2017 3:56 am
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 137
Views: 8700

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I have an avatar because they add character and I thought this particular one was cool to look at.

Ironically, it's Snake Eyes rather than Storm Shadow. Always thought it funny that nobody brought it up. :mrgreen:
by StormShadow
Fri Sep 29, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife start a 401k
Replies: 25
Views: 1548

Re: Should my wife start a 401k

My argument is that we should continue to use her excess income to pay down the principle of the house. Her argument is that she thinks it would be best to open a 401k and start to invest lightly and pay less towards the principle of the house. If you were in this position what would you do? Anothe...
by StormShadow
Sat Aug 05, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard S&P 500 funds
Replies: 19
Views: 2383

Re: Vanguard S&P 500 funds

VFINX was the first, IIRC. VINIX is an institutional fund that is usually obtained through your employer retirement plan (unless you have a spare $5 mill sitting around). I used it with my 403(b) since it is much cheaper than the other non-Vanguard options. It is no more "risky" than the other S&P50...
by StormShadow
Thu Aug 03, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 104
Views: 12293

Re: 85/15 too aggressive at age 35?

We made it through the 2007 crash without panicking and selling anything (we only had ~$60k in investments prior to the crash, but that sure felt like a lot of money to see cut in half at the tender age of 25). And we were fairly naive investors at the time, and have a whole lot more knowledge now ...
by StormShadow
Thu Jul 27, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 7020

Re: GF Picking a college major

Girlfriend is a college sophomore and is having an identity crisis of sorts - She was premed but was overwhelmed by the time second semester of Chem and struggled gradewise. She's not good at math or the hard sciences. She also has severe social anxiety so I don't think she would be good in a sales...
by StormShadow
Wed May 17, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Nothing else to do investment wise!
Replies: 23
Views: 4053

Re: Nothing else to do investment wise!

Suman wrote:What else you do in a situation like this especially that I have many decades ahead before retiring?
Set it and forget it.

Plenty of hobbies you can pick up with your free time.
by StormShadow
Wed May 17, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 7940

Re: Convince me to get back into stocks!

Somebody please convince me to get back into the market! I don’t see the sense in going back into the stock market now. See calculations below. I am in all cash right now. I would love your opinion on my logic. Didn't bother to read your opinion, because the answer is the same: 1. Don't time the ma...
by StormShadow
Tue May 16, 2017 10:53 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 37556

Re: 2017 hedge fund contest

Independent George wrote:Is there a prize for the best fund name? Because I'm really enjoying some of these...
Bragging rights. Can't put a dollar value on that.
by StormShadow
Mon May 15, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Need some guidance
Replies: 14
Views: 1287

Re: Need some guidance

1) shift the money from our IRA's to a 401k to be able to start a backdoor roth IRA. 2) simplify the taxable account (ie 3 fund portfolio or target date fund). Does this plan sound reasonable? Any other recommendations? Should I completely ditch everything from Wells and move the money to an acct t...
by StormShadow
Mon May 15, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Obtaining 2 Roth IRAs
Replies: 12
Views: 1166

Re: Obtaining 2 Roth IRAs

...cannot contribute more than that person makes in a year. The word "makes" refers to earned income, which a gift is not. Nice idea, but if mom has no earned income then it's a non-starter. OP states that mom makes over $6500 per year. Yes, you can contribute to a Roth IRA on her behalf, assuming ...
by StormShadow
Mon May 15, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor!!
Replies: 6
Views: 779

Re: New Investor!!

My advice: 1a. Invest in yourself. The most important way to secure a successful future is having a good career and saving regularly. 1b. Take care of your health. 2. Live within your means. 3a. Max out your Roth IRA. Keep it simple. Vanguard's lifecycle funds are a good choice. You can always choos...
by StormShadow
Tue May 09, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Purchase
Replies: 99
Views: 13871

Re: Bitcoin Purchase

I used some play money and bought some bitcoin shares today. Any bogleheads mess with highly speculative and wildly volatile products like bitcoin? I buy an occasional lottery ticket. :happy Lottery tickets/Vegas odds are always against you. Bitcoin is a totally different animal. Admittedly, I know...
by StormShadow
Tue May 09, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Purchase
Replies: 99
Views: 13871

Re: Bitcoin Purchase

TravelforFun wrote:I used some play money and bought some bitcoin shares today. Any bogleheads mess with highly speculative and wildly volatile products like bitcoin?
I buy an occasional lottery ticket. :happy