Search found 495 matches

by dziuniek
Fri Dec 14, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Which asset class is down the most for you?
Replies: 15
Views: 1364

Re: Which asset class is down the most for you?

TIAA CREF International. Boohoo :/
-11% or so?
by dziuniek
Wed Dec 12, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 196
Views: 14684

Re: What Happened to you during the Financial crisis of 2007–2008

I was 24 in 2008, two years of 401k and Roth contributions. All money in target 2050. I started maxing my 401k around 2008. Survived 7 layoffs at megacorp. I lost $1500 when I exchanged an abismal Chinese mutual fund for a us s&p fund. My 401k and Roth have a combined 600k now after just 13 years o...
by dziuniek
Mon Dec 10, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs - Pension/401K/PTO Balance Payouts & Uncovered Medical
Replies: 9
Views: 483

Re: Switching Jobs - Pension/401K/PTO Balance Payouts

~ IRA rollovers (atleast at vanguard) are super easy. Start the application online or give them a ring.
~ I read a study? somewhere that said 2/3 of the time, lump sum works. So put the money in as soon as you have it. Especially since 6k+6k won't be a lot in your overall picture fairly quickly.
by dziuniek
Mon Dec 10, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs - Pension/401K/PTO Balance Payouts & Uncovered Medical
Replies: 9
Views: 483

Re: Switching Jobs - Pension/401K/PTO Balance Payouts

I've formally accepted a new job after 10+ years at my current company. There are a few things that will happen that I need some guidance on: 1. I've had a pension with the current job. By the time I leave, it will have $32K in it. Do I pull as lump-sum or just leave it? Growth is average yield on ...
by dziuniek
Tue Dec 04, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 13936

Re: Retired in your late 40s or early 50s?

I turned 50 this year and my calculations show that I could retire. I also have a 14 year old bundle of hormones that is inhabiting a bedroom in our house. When I brought up the possibility of removing the noose around my neck for a life of leisure my wife gave me one of her classic ‘are you crazy’...
by dziuniek
Mon Dec 03, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5161

Re: Do you get a year end bonus?

Not me, but wife.

It's 3% this year. She is a pharmacist.
by dziuniek
Thu Nov 29, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7431

Re: Employeer taking vacation days on public holidays - is this legal or normal?

I believe this is fairly normal in the healthcare field.

My wife's previous hospital did not do this but she had 3 weeks off only.

Her current one is way more, but the holidays come out of the PTO bank. The net result is close to a wash.
by dziuniek
Thu Nov 22, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15060

Re: Black Friday 2018

Any good deals on a tv stand anyone..... ?
by dziuniek
Thu Nov 22, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15060

Re: Black Friday 2018

Bought a 70 inch flatscreen for 699+tax. Can't complain! (bestbuy)

It's an LG, the 42inch we have is on it's 9th year now...
by dziuniek
Thu Nov 15, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4722

Re: How to deposit cash in online account with no local branch

Seems complicated.

If it's just several hundred... spend it?

Groceries... that's several hundred for most of us per month?
by dziuniek
Sun Nov 11, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio - Interested in Bogleheads thoughts
Replies: 13
Views: 1706

Re: Permanent Portfolio - Interested in Bogleheads thoughts

Gold had a very good run in the 1970s, and it's not done well since 2012. Behavior in the 1970s was probably significantly driven by one-time events relating to the collapse of the Bretton Woods system. Getting over 4.5% above inflation from gold over 1972-2012 is probably something of an anomaly. ...
by dziuniek
Thu Nov 08, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 114062

Re: High Earners - What's Your Profession?

Senior finance executive public company. Also I would not consider a cutoff of $100K a high earner. I’d be thinking more along the lines of north of mid six figures. At that level you are well beyond making ends meet with the opportunity to save a considerable amount and doing something different (...
by dziuniek
Wed Nov 07, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 114062

Re: High Earners - What's Your Profession?

Senior finance executive public company. Also I would not consider a cutoff of $100K a high earner. I’d be thinking more along the lines of north of mid six figures. At that level you are well beyond making ends meet with the opportunity to save a considerable amount and doing something different (...
by dziuniek
Tue Nov 06, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 114062

Re: High Earners - What's Your Profession?

Combined Household Income for 2019: (assuming we keep our jobs) Medium to High cost of living area. (CT) Dunno if this is high earners for my area, I doubt it. Welp :annoyed :confused Pharmacy Supervisor FT: $124,500 + $3,000-$5,000 bonus & Staff Pharmacist Per Diem : $5,500 B.S. Pharmacy + Pharm D....
by dziuniek
Tue Nov 06, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Lock mortgage rate at 5%?
Replies: 34
Views: 3759

Re: Lock mortgage rate at 5%?

There rates have been really creeping up, I would lock. Guess I'm risk averse.

My 4.00% from last Fall doesn't look that bad anymore :)
by dziuniek
Tue Nov 06, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Do older 4x4 vehicles hold higher salvage value?
Replies: 14
Views: 1240

Re: Do older 4x4 vehicles hold higher salvage value?

I guess you would have to compare it to the same car but RWD or FWD only?

4x4 would cost more to being with, but I guess it might have more utility?
by dziuniek
Mon Nov 05, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 3977

Re: Post FiRE job...teaching??

The CC env't is quite different from teaching at a 4-year state university or private college. 4 year colleges tend to have student bodies comprised of fairly uniform students in terms of age, ability, educational background, familial financial stability, etc. The community college population is to...
by dziuniek
Sat Nov 03, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Which Prius or something else?
Replies: 25
Views: 1620

Re: Which Prius or something else?

Hmm... what about a Corolla?

That should alleviate most of what's been mentioned in the thread.

It's still very good MPG so check out the data (if available) on production effect of both of these on the environment. They might come up close is my guess.
by dziuniek
Sat Nov 03, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Shouldn’t I Diversify My Income Sources?
Replies: 9
Views: 950

Re: Shouldn’t I Diversify My Income Sources?

I guess it would depend on the size of your portfolio. If for example you own a primary residence which costs $300k and your portfolio is $1,000,000 you already have a ton of money in real estate, do you really need more. It's mental accounting, but your house pays or rather reduces your housing exp...
by dziuniek
Sat Nov 03, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Help a new guy!
Replies: 21
Views: 1704

Re: Help a new guy!

At the current account value, you don't have to be that* concerned about your asset mix aka asset allocation.

A target date fund would be a decent choice here should you want that.

Additionally, you could sell the fund and buy ETFs.

VTI, VEU, BND should be pretty good choices. 3-fund. Done.
by dziuniek
Sat Nov 03, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9415

Re: no dividends in index funds!

In the end, you're switching from broader diversification and passive investing into a higher cost, actively managed fund. Everything else is mental accounting. Not that it's a bad way to go, but it certainly isn't the most optimal way to go. I've read in the past that dividends accounted for 40 to ...
by dziuniek
Sat Nov 03, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep the Mazda or the Lexus?
Replies: 10
Views: 1117

Re: Should I keep the Mazda or the Lexus?

I would pocket the cash...

You've got a nice difference there. You could sell both and you've almost got the money for a new car... (you said you wanted a new one)
by dziuniek
Sat Nov 03, 2018 6:42 am
Forum: Investing - Theory, News & General
Topic: 2019 Retirement Contribution Limits Announced
Replies: 54
Views: 7118

Re: 2019 Retirement Contribution Limits Announced

And I finally thought I was going to max my 457b next year.

Schucks... :twisted:
by dziuniek
Sat Nov 03, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Where should I be financially at 39?
Replies: 42
Views: 5965

Re: Where should I be financially at 39?

I just wanted to add one thing. We can all play the what if game. If I started at 25, I would be 50% of the way to financial independence by now (at 33). Hindsight is 20/20 and we did have a heck of a bull market for the last decade. If I invested in Amazon... Tesla... etc... You can only make choic...
by dziuniek
Thu Nov 01, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Where should I be financially at 39?
Replies: 42
Views: 5965

Re: Where should I be financially at 39?

And if you make 80 but live on 40? You still need 960 - 960 is exactly 24x expenses. But you don’t need 960 in personal savings, rather it’s the savings pool that includes social security and any other income. Not saying OP should stop if/when they get to 960k, I’d keep going as a buffer is a good ...
by dziuniek
Wed Oct 31, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I be financially at 39?
Replies: 42
Views: 5965

Re: Where should I be financially at 39?

Step 1... Don't freak out. You will find there's plenty of people that started even later than you two. Starting at 39, you have quite a way to retirement age and plenty of time to do it. What's important is that even if you don't get to your goal - you will be much further ahead than you are now. A...
by dziuniek
Wed Oct 31, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Highlander or Murano 2018 ..
Replies: 36
Views: 2384

Re: Highlander or Murano 2018 ..

I understand the Highlander may have higher resale and reliability but $2400 is a lot of money to make up. Also, the Highlander is a 2013 model to be redesigned in less than a year for the 2020 model, I'm more inclined to choose the Murano so I'm not driving an old car in 1 year. Look at used Muran...
by dziuniek
Tue Oct 30, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Who has gotten the most value out of a car?
Replies: 48
Views: 3282

Re: Who has gotten the most value out of a car?

In 2006, I bought a 2006 Scion TC with 4,500 miles. It had a rebuilt title (salvage). I paid under $11,500 Out-The-Door. I drove it for 10 years and sold in 2016. I got $2,000. So.... 11,500 - 2,000 = $9,500. $9,500 / 10 = $950.... I don't think I'll be able to hit numbers like these again :) I had...
by dziuniek
Tue Oct 30, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 6857

Re: 401k down 8% this month

Down 2.4 %. 70/30 here.

Stable Value fund and Vanguard Explorer somewhat saving me this year.
by dziuniek
Tue Oct 30, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: Who has gotten the most value out of a car?
Replies: 48
Views: 3282

Re: Who has gotten the most value out of a car?

In 2006, I bought a 2006 Scion TC with 4,500 miles.

It had a rebuilt title (salvage).

I paid under $11,500 Out-The-Door.

I drove it for 10 years and sold in 2016. I got $2,000.

So.... 11,500 - 2,000 = $9,500.

$9,500 / 10 = $950....

I don't think I'll be able to hit numbers like these again :)
by dziuniek
Wed Oct 24, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8158

Re: Black Friday is coming.. what's on your list?

New headunit and speakers for the MR2-S ... just maybe.... Aslo... google chromecast, maybe. Just got a Pioneer AVH-W4400NEX for my wife's car. Have had an AVH-4200NEX for about a year in my car, and love it. Android Auto is a game changer. Just checked it out. Looks real decent! How's the speed of...
by dziuniek
Wed Oct 24, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8614
Views: 1679916

Re: U.S. stocks in freefall

If not, back up the truck, everything's on sale! So right now we are down about 6%-7% from the peak, suppose it goes down another 6%-to7%? Is that really a sale? I can't remember the last time I backed up the truck for a 15% off sale. Would a 40%-off sale do it? probably, but I suspect it will not ...
by dziuniek
Wed Oct 24, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8614
Views: 1679916

Re: U.S. stocks in freefall

I think the weakness in housing that we see in today's report is just the beginning. Housing coming down combined with this volatility (yes, we've been spoiled for a good bit) will give a lot of folks PTSD. Atleast those who've been around for the 2008/2009 saga. If not, back up the truck, everythin...
by dziuniek
Tue Oct 23, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2033
Views: 379135

Re: What are you up YTD? [Year To Date]

Flat.... before today.

Yay, sale.
by dziuniek
Sat Oct 20, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6091

Re: Pull kids from school for vacations?

We have the means and PTO to travel more and would love to travel sometime in January - early March. But my child doesn't have school vacation until April. She's a great student, yet the school is surprisingly strict about unexcused absences for elementary school. So I'm curious how others feel abo...
by dziuniek
Sat Oct 20, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 13012

Re: What time do you get up in the morning?

Anytime from 5:00 to 5:45 AM.

Plus twice at night due to the 4 month old :twisted:
by dziuniek
Tue Oct 16, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11378

Re: What do you consider 'enough'?

Not close enough yet, maybe some day. - save 15% for retirement (more if early, hoping to get to 20% soon) - save for kids college (saving some, but not nearly enough... but if I can cashflow daycare... I can cashflow college) - paying all the bills and having some left over for hobbies, vacations, ...
by dziuniek
Mon Oct 15, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend lost job, getting a lump sum severance... What should we do next
Replies: 36
Views: 3164

Re: Girlfriend lost job, getting a lump sum severance... What should we do next

My Fiancée moved to Boston and took up an offer with a startup that her megacorp acquired couple years ago. Now they are merging teams and she was told she would be laid off in a month, since her entire team was let go off. They are giving her a lumpsum of 30k severance, which is pretty good to be ...
by dziuniek
Thu Oct 11, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 68
Views: 4035

Re: Anyone here major in Economics in college?

My wife's cousin had a BA in Econ from UConn with a 3.0 but didn't manage to get a decent job. He ended up going back and getting a BS in Accounting. Idk if that made sense, but he's had decent jobs since. Also I'm biased because I have a BS in Accounting and MS in Accounting & Taxation. I do think ...
by dziuniek
Thu Oct 11, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 68
Views: 4035

Re: Anyone here major in Economics in college?

I'm not sure if this is important or not, but in many colleges (if not most?) an Economics degree is a BA and not BS... - only you two can decide if that makes a difference or not.
by dziuniek
Thu Oct 11, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8158

Re: Black Friday is coming.. what's on your list?

New headunit and speakers for the MR2-S ... just maybe....

Aslo... google chromecast, maybe.
by dziuniek
Wed Oct 10, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11830

Re: “It’s probably wise to sell to the sleeping point.” - Jack Bogle

Something to shake up everyone's confidence in their allocation every now and then isn't bad. :)
by dziuniek
Sat Oct 06, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 31
Views: 3465

Re: Garage Shelving?

Well... I am getting to shelving, but I just finished building a table / someplace I can have my tools in one place. I am not sure the images will work, but I will attempt it. See my solution: 1. Materials: http://i68.tinypic.com/aexrw4.jpg 2. Structure: http://i64.tinypic.com/cqkp5.jpg 3. Shelf Cov...
by dziuniek
Sat Oct 06, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Shtekman and Xu beat Asness: Alt. Strategies (VASFX) vs. AQR (QSPIX)!
Replies: 18
Views: 1225

Re: Vanguard's Shtekman and Xu beat Asness: Alt. Strategies (VASFX) vs. AQR (QSPIX)!

Haha, nicely done VG!

One of these days when our portfolio is sizeable, we might throw in some ca$h at alternatives. I imagine that by then the funds will have a long track record. (not happening anytime soon for us)
by dziuniek
Mon Sep 24, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25786

Re: What is your single most expensive mistake?

Just a couple days ago I lost my car key, without having a spare one. What's worse, I know the key was picked up by some one living by, which means I couldn't leave car lock unchanged. This single one mistake cost me: 1. $300 - called Locksmith to open the door and make a programmed key, and 2. $50...
by dziuniek
Wed Sep 19, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: What's the best early retirement strategy for us?
Replies: 39
Views: 3235

Re: What's the best early retirement strategy for us?

No sure how quickly you want to pay-off the mortgage, but that rate is nuts. Even right now you can probably get a good 1% off that rate, maybe more. See if anyone will do a no-cost refi for you or atleast run the math. If the 457b is a governmental plan (state, fed, idk?) then you can start withdra...
by dziuniek
Tue Sep 18, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13444

Re: Considering Quitting Job - Seeking Advice. Would you do it?

If my wife was your wife, I wouldn't be married anymore. Also you can work another couple years and add another couple million to your net worth. You can also lose all of it in a divorce - making working another several years a wash, lost time, sunk cost, etc. - I'm not a quitter. This reminds me of...
by dziuniek
Fri Sep 14, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Simba Backtesting Healthcare fund
Replies: 3
Views: 297

Re: Simba Backtesting Healthcare fund

Using rev17a version with these assumptions: amount invested: $10,000 starting year - 1985 ending year - 2017 I get: CAGR = 16.57% (nominal) CAGR = 13.60% (real) Ending value: $1,573,431 NOMINAL $671,476 REAL Per Morningstar, I get: 01/01/1985 - 12/31/2017: VGHCX:1,573,518.58 Seems accurate with my ...