Search found 458 matches

by dziuniek
Tue Oct 16, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 57
Views: 5168

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: 3023

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: 3810

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: 3810

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: 70
Views: 5845

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: 11513

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: 28
Views: 2764

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: 1116

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: 25178

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: 3182

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: 154
Views: 12116

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: 288

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 ...
by dziuniek
Thu Sep 13, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: 9/12/18 - CNBC - Crisis on Wall Street (10 PM EST)
Replies: 3
Views: 1118

Re: 9/12/18 - CNBC - Crisis on Wall Street (10 PM EST)

Mlm wrote:
Wed Sep 12, 2018 8:32 pm
"Crisis on Wall Street: The week that shook the world"

TEN YEARS AFTER THE FALL OF A WALL STREET GIANT, CNBC'S ANDREW ROSS SORKIN SHEDS NEW LIGHT ON THE 2008 FINANCIAL CRISIS IN A CNBC ORIGINAL DOCUMENTARY

https://www.cnbc.com/crisis-on-wall-street-about/
Why the shouting? :)
by dziuniek
Tue Sep 11, 2018 6:25 am
Forum: Personal Consumer Issues
Topic: Singing/Voice Classes
Replies: 20
Views: 1371

Re: Singing/Voice Classes

Thank you all for the responses. I think I'll give it a shot!
by dziuniek
Mon Sep 10, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: Singing/Voice Classes
Replies: 20
Views: 1371

Singing/Voice Classes

Hello fellow Bglhdz, I've recently been reacquainting myself with playing the keyboard, something I used to do as a child. At the age of 4 I played all the Christmas Carrols, but right now I might as well be using my feet. This will take time. That being said, has anyone taken singing classes? If so...
by dziuniek
Wed Sep 05, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10154

Re: Max you should invest in a 529?

Personally, I've been putting $50 weekly into each kiddo's 529 plan.
It's all I can do.

Roof over their heads and food have to come before college education.

I'll never feel bad about stopping the contributions if I need the cash for something else.
by dziuniek
Fri Aug 31, 2018 6:41 am
Forum: Investing - Help with Personal Investments
Topic: All-value portfolio tilt on 3-fund portfolios
Replies: 6
Views: 679

Re: All-value portfolio tilt on 3-fund portfolios

I don't know what you mean by whether it's too late. If you're in your 30s, then arguably you have 50 years to go... - just because you retire, it doesn't mean you will sell all your equities and go to cash. I have a small value tilt, but certainly not all of my stock funds are value funds. Growth h...
by dziuniek
Thu Aug 30, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Which formula to use to calculate personal Savings Rate?
Replies: 9
Views: 984

Re: Which formula to use to calculate personal Savings Rate?

% of Gross.

I feel it's the most prevalent one and also the simplest one.
by dziuniek
Thu Aug 30, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Young investor: How to stay the course? How to not think about investing all the time?
Replies: 16
Views: 2182

Re: Young investor: How to stay the course? How to not think about investing all the time?

There comes a certain point where knowing more about investing could put you on a different path. A path that might not be as simple or efficient. You're starting with a 3 fund portfolio. Stop there. That's all you need. Will an additional 5% of portfolio going to REITS and 5% to EM really make a hu...
by dziuniek
Wed Aug 29, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 2961

Re: Minivan for family of 4.

I would do a true cost to own comparison of an electric/hybrid sedan (especially a hatch) and the pacifica. That's a lot of miles & wear to put on a car! Exactly how often would you have the grandparents? I drive a (10 yr old) Odyssey, family of 4. But I can get to the other side of town in 15 minu...
by dziuniek
Thu Aug 23, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12415

Re: Good Non-Boring Boglehead Cars Under $30k

Is this a trick question? OP needs only 2 seats, and < 30k fun car. There is only one possible answer - a Miata No there isn't. 370Z..... A neighbor had a much earlier model...and his idiot car would talk to you. Or maybe it had cute chimes or whatever. There's froufrou and there's being in touch w...
by dziuniek
Tue Aug 21, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12415

Re: Good Non-Boring Boglehead Cars Under $30k

Chan_va wrote:
Tue Aug 21, 2018 7:48 pm
Is this a trick question? OP needs only 2 seats, and < 30k fun car. There is only one possible answer - a Miata
No there isn't.

370Z.....
by dziuniek
Tue Aug 07, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: So close to very low ER's
Replies: 8
Views: 808

Re: So close to very low ER's

Just my 401k bond fund holding me back: http://www.savingadvice.com/forums/picture.php?albumid=188&pictureid=424 Wish I could get that ER down and then I would be somebody. Pickins are slim, but I think I have the best balance between ER, tax efficiency and fund choice. Any advice? 401k bond fund c...
by dziuniek
Fri Aug 03, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Hitting Milestone Early, and the Fiancee Response!
Replies: 20
Views: 4165

Re: Hitting Milestone Early, and the Fiancee Response!

Nice! Good job!

You might be interested in the share your networth thread and post this again there:

viewtopic.php?f=2&t=139157
by dziuniek
Mon Jul 23, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 45
Views: 4657

Re: Index-ish fund that lacks FAANG?

Where are Mel's Unloved Mid-Caps when you need them? :)

http://socialize.morningstar.com/NewSoc ... aspx#27802
by dziuniek
Mon Jul 23, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-Law criticizing my wife over our recent house purchase
Replies: 38
Views: 3067

Re: Mother-in-Law criticizing my wife over our recent house purchase

Make my wife cry again and you'll never see the grandchildren.
by dziuniek
Sun Jul 22, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 40
Views: 4167

Re: Ashley furniture experience?

About a dozen years ago we bought an Ashley reclining loveseat for our MBR. It was extremely comfortable. After a few years a rivet (?) in the reclining mechanism underneath sheared off. I kept repairing it by replacing the rivet with a bolt and nut for years, but eventually the bolts would shear o...
by dziuniek
Tue Jul 17, 2018 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Big 4 Who Jumped to Industry - Compensation
Replies: 35
Views: 5718

Re: Big 4 Who Jumped to Industry - Compensation

My raises averaged about 5.3% since I left PWC. This does include changing departments once. Keep in mind I work for state government so you could do better or worse there. Oh, I work 40 hours per week with every 2nd Friday off... ;) My annual raise average since 2011 (first real job out of college)...
by dziuniek
Mon Jul 16, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 14246

Re: Saving 20% of paycheck isn't enough

My wife and I save 15% + 3% match. We are 29. At Target age retirement of 59 we will have more income than we live on now with a paid off house. SS will make things really gravy whenever we take it. Of course who wouldn’t love to save 40% but it is simply not a reality for young parents such as mys...
by dziuniek
Fri Jul 13, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: College savings plans - Roth vs. 529
Replies: 32
Views: 2617

Re: College savings plans - Roth vs. 529

Different accounts make easier personal book-keeping, also. (this is just how my brain works). It is not just how your brain works, it is how our brain works. This is called "mental accounting" and is considered a "cognitive bias". Rationally it is better to integrated all of your goals into a sing...
by dziuniek
Fri Jul 13, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: College savings plans - Roth vs. 529
Replies: 32
Views: 2617

Re: College savings plans - Roth vs. 529

In my state we get a deduction in state taxes for the 529 plan up to $10,000 (I think?), so it's an easier choice.

Different accounts make easier personal book-keeping, also. (this is just how my brain works).
by dziuniek
Mon Jul 09, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 14221

Re: What are your property taxes?

Connecticut: $7,800 Property Tax - Value approx $350k. ... leaving CT ... - was it something we taxed? Lets remember that states with high per capita income (NJ, MA, CT, etc), pay out high salaries to public employees and provide very lucrative pensions and benefits. Average teachers salary in CT i...
by dziuniek
Mon Jul 02, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 14221

Re: What are your property taxes?

Connecticut: $7,800 Property Tax - Value approx $350k. ... leaving CT ... - was it something we taxed? Lets remember that states with high per capita income (NJ, MA, CT, etc), pay out high salaries to public employees and provide very lucrative pensions and benefits. Average teachers salary in CT i...
by dziuniek
Sun Jul 01, 2018 5:58 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 14221

Re: What are your property taxes?

Connecticut:

$7,800 Property Tax - Value approx $350k.

... leaving CT ...
- was it something we taxed?
by dziuniek
Wed Jun 27, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 11040

Re: Lost out on promotion

Sorry you didn't get the promotion. Also, I'm sorry, but you seem to be whining. Like so many posters already mentioned, technical skills are not the be-all when it comes to a promotion. I would prefer my right-hand man/woman to be someone I enjoy talking to, as opposed to someone who has the best s...
by dziuniek
Sat Jun 16, 2018 5:47 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5681

Re: A vehicle that "sits up" but can't afford CRV

New CRV-LX is $25,245 msrp with destination charge. Has the non-turbo engine, which I'd recommend. Does not have Honda Sensing safety electronics. Base Subaru Forester is $24,710 MSRP similarly equipped, no safety system. Base Toyota RAV4 is $25,705 MSRP but that includes Toyota Safety Sense safety...
by dziuniek
Sun Jun 10, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 11142

Re: Why do we work?

I have a question for those willing to answer: Why do you work? I can see working for some goals such as making sure you are debt free and the kids get a college education. But then why do you work? Sure make sure we have a roof over our heads and well fed. Okay but after those are covered why do y...
by dziuniek
Sun Jun 10, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 11142

Re: Why do we work?

whodidntante wrote:
Fri Jun 08, 2018 10:04 pm
Did I stumble into MMM?

"Advertising has us chasing cars and clothes, working jobs we hate so we can buy [censored] we don’t need."
Oh snap, Fight Club reference?
by dziuniek
Fri Jun 01, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Keep pension or roll over to IRA?
Replies: 14
Views: 1148

Re: Keep pension or roll over to IRA?

If that is the only pension you two will have, here's some things to think about: 1.Taxes in retirement - does your state or future retirement state tax pension income? - will the 8k throw you into the next tax bracket? 2. Income diversification - will the 8k be a substantial part of your income? - ...
by dziuniek
Sat May 19, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 50422

Re: "Why 97% of People Don't Use 529 College Savings Plans."

@JonnyDVM, It is relatively rare to have hundreds of thousands of dollars of loans for an undergraduate degree, but perhaps you meant in aggregrate. My son's college education (4 year degree) will not cost 6-figures. Whereas state school in CT is right now $14,400/year (UCONN, CCSU is similar). Thi...
by dziuniek
Sat May 19, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 23707

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

I still think bond allocation should be 100% tied to one's near term cash flow needs. if you don't have near term cash flow needs, then you don't need bonds. with bonds you are paying a price for the decreased volatility. that price is not cheap. it comes in the form of decreased expected return in...
by dziuniek
Sat May 19, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 43911

Re: Lucrative careers?

Pharmacist Not an easy program or job but starting salary over $100K from day one. Edit- more like $120K The pill counters are one of the first health care professions that will be automated. The ratio of pharmacists employed per pharmacy is going to go wayyyyyyy down in the next few years. Radiolo...
by dziuniek
Thu May 10, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: How do you quantify the risk differential between 85/15 and 70/30?
Replies: 70
Views: 6363

Re: How do you quantify the risk differential between 85/15 and 70/30?

I wouldn't assume that stocks will beat bonds or the next 10 years or even 20. Didn't we just recently finish a 30year period where bonds beat stocks ? No we most certainly didn't. Stocks returned an annual return of 9.678% over the last 30 years. Please show me where bonds have averaged +9% over t...
by dziuniek
Thu May 10, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: How do you quantify the risk differential between 85/15 and 70/30?
Replies: 70
Views: 6363

Re: How do you quantify the risk differential between 85/15 and 70/30?

I wouldn't assume that stocks will beat bonds or the next 10 years or even 20.

Didn't we just recently finish a 30year period where bonds beat stocks ?
by dziuniek
Tue May 08, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Point of Indifference vs. Principle Recovery
Replies: 57
Views: 5413

Re: Bond Fund Point of Indifference vs. Principle Recovery

I think a lot of Bogleheads would generally agree to take the risk on the stock side of their portfolio, at least that's what I've read so far.

This could mean:

- not holding junk bonds/ high-yield bonds

but you could interpret it as keeping a shorter duration too...

no?
by dziuniek
Wed May 02, 2018 6:26 am
Forum: Personal Consumer Issues
Topic: Keyboard key labels wearing off...
Replies: 19
Views: 1400

Re: Keyboard key labels wearing off...

I don't know what it is about the "paint" used on (computer) keyboard keys these days, but it sure wears off quickly. I've tried re-drawing the letters with a silver sharpie, but that didn't last long. Anyone have a lasting solution for this? A special kind of paint and/or some chemical to pre-trea...
by dziuniek
Tue May 01, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Where to babymoon?
Replies: 38
Views: 4038

Re: Where to babymoon?

One vote for Bermuda, but we've been 5 times already so... yeah.
(one of those times my wife was pregnant)
by dziuniek
Sun Apr 29, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: How do you quantify the risk differential between 85/15 and 70/30?
Replies: 70
Views: 6363

Re: How do you quantify the risk differential between 85/15 and 70/30?

As a quantitative matter, how much difference would it really make if I were 70/30 instead of 85/15? This question refers to the accumulation stage, not the withdrawal stage. Conceptually 85/15 carries more risk. But how do you calculate the extent of the risk and potential reward, quantitatively, ...