Search found 435 matches

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: 776

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: 4053

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: 42
Views: 4102

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: 2917

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: 3993

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: 5523

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: 13847

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: 2539

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: 2539

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: 13564

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: 13564

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: 13564

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: 10612

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: 5430

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: 10738

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: 10738

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: 1088

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: 49522

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: 23061

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: 319
Views: 26702

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: 6227

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: 6227

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: 5260

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: 1341

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: 3957

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: 6227

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, ...
by dziuniek
Thu Apr 26, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 11421

Re: Wedding - financial burden on couple and attendees

SrGrumpy wrote:
Thu Apr 26, 2018 12:14 pm
mptfan wrote:
Thu Apr 26, 2018 12:10 pm
SrGrumpy wrote:
Thu Apr 26, 2018 11:38 am
Fortunately I've been to 4.5 weddings in my life.
How did you go to half a wedding?
Showed up, everything delayed, didn't know anyone. Got bored, left. It was a Sunday and I had taken time off work, at time and a half. Went back to work.
Username fits :)
by dziuniek
Thu Apr 26, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 11421

Re: Wedding - financial burden on couple and attendees

I think we paid something between 40-45k for our wedding. Two big polish families, no way around that. (ok, fine, sure there are - it's a choice). A destination wedding would be infinitely cheaper. Some of our costs: Hall (dinner and alcohol) - $19,000 Photos - $5,500 Video - $1,200 Big Limo - $1,0...
by dziuniek
Thu Apr 26, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: An Article Claiming Vanguard Will Be Responsible For The Next Bear Market
Replies: 29
Views: 4927

Re: An Article Claiming Vanguard Will Be Responsible For The Next Bear Market

I don't disagree with some of the author's assertions: that many people are blindly dumping money into the market each month, that we will likely see a major correction at some point in the future, that current valuations are higher than historical averages. Even that some stocks will outperform th...
by dziuniek
Thu Apr 26, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 11421

Re: Wedding - financial burden on couple and attendees

I think we paid something between 40-45k for our wedding. Two big polish families, no way around that. (ok, fine, sure there are - it's a choice). A destination wedding would be infinitely cheaper. Some of our costs: Hall (dinner and alcohol) - $19,000 Photos - $5,500 Video - $1,200 Big Limo - $1,0...
by dziuniek
Thu Apr 26, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 11421

Re: Wedding - financial burden on couple and attendees

I think we paid something between 40-45k for our wedding. Two big polish families, no way around that. (ok, fine, sure there are - it's a choice). A destination wedding would be infinitely cheaper. Some of our costs: Hall (dinner and alcohol) - $19,000 Photos - $5,500 Video - $1,200 Big Limo - $1,00...
by dziuniek
Tue Apr 24, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 61
Views: 4964

Re: Building a New Home (Talk me out of it!)

Blah.

People and their attachment to things*- ugh.
by dziuniek
Tue Apr 24, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k? Still struggling.
Replies: 26
Views: 2446

Re: What to do with extra 50k? Still struggling.

[/quote] Psychologically... I would pay off the mortgage but your rate is so darn good. Even MUNIs pay more than 3% so paying off the mortgage makes no sense to me. If you're on track to pay off your mortgage before retiring/financial independence, I would start/add to taxable investing. [/quote] At...
by dziuniek
Tue Apr 24, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: Fun Money
Replies: 45
Views: 3221

Re: Fun Money

Simplicity.
by dziuniek
Tue Apr 24, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Investment Class/Group at Work
Replies: 16
Views: 1368

Re: Investment Class/Group at Work

Not everyone wants to be a Boglehead. Some people will have different approaches such as using an advisor, actively managed mutual funds, stock picking, and market timing. You can start and group and see how it goes but I don't feel the need to try to convert coworkers to my views and I definitely ...
by dziuniek
Tue Apr 24, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 212
Views: 19738

Re: I’m still not a fan of international bond funds

What's with this? On this one, the second, did Vanguard lock in an interest rate of 1.5% until 2086 ? Wow. That's thinking ahead. That's... counting on fingers... 68 years from now. A lot of us will never know how that investment turned out. https://imgur.com/VnMiCmt.png You mean most if not all. :)
by dziuniek
Tue Apr 24, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k? Still struggling.
Replies: 26
Views: 2446

Re: What to do with extra 50k? Still struggling.

Choices (or combination): 1. Keep it fluid in a CD. (Car, vacations, braces, etc.) 2. Pay down mortgage (3%, 10yr, 130k). 3. Put into kids' 529s (Don't want to over contribute. 55k 9yr old & 65k 11yr old. Will likely go to inexpensive state school). 4. Vanguard Tot US & INT stock funds (taxable). R...
by dziuniek
Mon Apr 23, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 61
Views: 4964

Re: Building a New Home (Talk me out of it!)

We live in a town with mostly small lots and have a very nice house (on a small lot). Wife always dreams of having more land but wants to stay in the same town for variety of reasons (if we moved further out in the burbs we could get LOTS of land) A large (for our town) lot has come on the market o...
by dziuniek
Fri Apr 20, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 12161

Re: Quitting job - what to do if getting walked to the door

Please, by all means, escort me and pay me for 2 weeks to sit on my bum.

I think you need to look at the Brightside here :)
by dziuniek
Fri Apr 20, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4979

Re: Another discussion about private vs public schools?

As someone who also had great northeastern public schools, both for ourselves and for our kids, I'd move to the better district. Admittedly, I'm opposed to charter schools, so that would be a non-starter for me. I also think there are a lot of fairly bad private schools out there. In my area, there...
by dziuniek
Fri Apr 20, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax day come and gone.....
Replies: 29
Views: 3293

Re: Tax day come and gone.....

One question I would ask is whether it makes sense to hold bonds in the ROTHs as opposed to stocks. If expected return for stocks is higher, wouldn't you rather have stocks in the ROTHS as opposed to pre-tax accounts (TSP/401k?) This is not directly relevant; see Tax-adjusted asset allocation on th...
by dziuniek
Fri Apr 20, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Effects of 20% Down payment over time, thoughts?
Replies: 19
Views: 2636

Re: Effects of 20% Down payment over time, thoughts?

You don't just lose the money you've put into the down payment; you have equity. There's no guarantee of that, as many people discovered in 2008-2009 and the following years. Some housing markets have still not recovered completely. If you hand the keys back to the bank or have to sell at a signifi...
by dziuniek
Thu Apr 19, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Effects of 20% Down payment over time, thoughts?
Replies: 19
Views: 2636

Re: Effects of 20% Down payment over time, thoughts?

You don't just lose the money you've put into the down payment; you have equity. There's no guarantee of that, as many people discovered in 2008-2009 and the following years. Some housing markets have still not recovered completely. If you hand the keys back to the bank or have to sell at a signifi...
by dziuniek
Thu Apr 19, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 31438

Re: How old are you and how much do you save for retirement a year

30 and 27 403b (his and hers), 457: 18k, 1k, and 14k, respectively. Roths (x 2): 11k total Total = 44k If including employee contributions to pension and the employer 403b match and defined benefit plan, then an additional 2k, 3.5k, 4k respectively. :mrgreen: Whatever is left over, I put some of it...
by dziuniek
Thu Apr 19, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1469618

Re: U.S. stocks in freefall

I think people are missing the fact that the FED can't distort something it's a part of. :twisted: (more so than ever) Except that the Fed did some unprecedented things, for example, the purchase of Mortgage Instruments to help bring down mortgage rates. Historically, the Fed limited its purchases ...
by dziuniek
Wed Apr 18, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Tax day come and gone.....
Replies: 29
Views: 3293

Re: Tax day come and gone.....

One question I would ask is whether it makes sense to hold bonds in the ROTHs as opposed to stocks.

If expected return for stocks is higher, wouldn't you rather have stocks in the ROTHS as opposed to pre-tax accounts (TSP/401k?)
by dziuniek
Wed Apr 18, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: How to handle former employer’s retirement plan
Replies: 23
Views: 2032

Re: How to handle former employer’s retirement plan

Would rolling it into my Vanguard IRA be a wise option? Some of it, perhaps. I'm also a TIAA/Vanguard investor but with about 90% of assets on the TIAA side. I also have R3 and institutional funds, so low ERs for TIAA. Vanguard holds funds converted to Roth IRA, since TIAA has high ERs for IRAs. Va...
by dziuniek
Wed Apr 18, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7612

Re: Your Monthly Cost of Living

1. $2,700 Housing - Mortgage($2,300) + Utilities($300) + Internet($56)
2. $1,200 Food - 2adults, 1 kiddo
3. $1,000 Daycare
3. $670 Transportation - 1car payment($206), insurance for 3 cars($140), gas ($320)

CT welcomes you :twisted:
by dziuniek
Wed Apr 18, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 17055

Re: Is Los Angeles a good place long term to live financially?

I always thought beautiful women were looking for a high net worth man? That why I did not go after them. Right or wrong? Probably isn't helpful to you or anyone else to generalize about women or even about beautiful women. Nothing bad is meant by it. It is just what I have seen in my lifetime. Mig...