Search found 172 matches

by core4portfolio
Sun Feb 04, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 260
Views: 14248

Re: For BHs who actually like cars - what is your daily driver?

2018 HONDA CRV since last week before that 01 camry for 7 years
by core4portfolio
Tue Jan 16, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10136

Re: Besides Bogleheads, What Are Your Favorite Forums?

slickdeals
fatwallet but it got vanished now
by core4portfolio
Mon Sep 25, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: can I rely solely on the value of my home to retire?
Replies: 25
Views: 3049

Re: can I rely solely on the value of my home to retire?

During down market, most of the people dont have money to buy the home of that much worth. I believe most of them are invested in stocks and not sitting on cash. So you need to reduce the price if you are in a position to sell for living rest of the life during that time. If it goes up always and if...
by core4portfolio
Sat Sep 23, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 26313

Re: I won the Lottery. Need sound advice.

Iam really surprised with joint income much higher than average median salary of most of fellow people, you hold huge debt.. but you are really lucky to win this lottery. Pay off all the debts which is around 540k. Left over will little over 720k Take 690K and create 3 funds portfolio. Change your a...
by core4portfolio
Thu Sep 14, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 8584

Re: Best Lower Cost USA Cities to Live

Suburbans of Atlanta GA
by core4portfolio
Wed Sep 13, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much does my commute cost me?
Replies: 15
Views: 2065

Re: How much does my commute cost me?

I will keep the car and will not eliminate all time but will use commute whenever possible 1.5 miles is not really a exercise walking distance every day unless you have no off hours work and you cannot walk relaxing which will consume more time or kind of brisk walk which will sweat a lot. Safety - ...
by core4portfolio
Thu Sep 07, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 374
Views: 45436

Re: Flaunt Your High-Mileage Car

2001 Camry bought for 7k on Aug 2011 with 77k miles. Performed regular maintance like timing belt, water pump at 90k, spark plug and wires with all maintenance for 120k miles. Issues in the past were battery dead once , passenger motor dead once, replaced radiator due to leak. Changed all the 4 tire...
by core4portfolio
Thu Sep 07, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 11643

Re: Companies/Brands You Love?

Costco. Almost every item were bought from Costco. Amazon - Most of the baby items and few online items Netflix - Amazing site runs on 768KBPS without hiccups Google - everyday my job runs on this Microsoft - job runs on this and also i like windows Pyrex - All my glass containers were made from thi...
by core4portfolio
Wed Sep 06, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 6451

Re: Wife believes 7+% returns from stock market are guaranteed

It seems like she knows financial stuff. I see the positive side of the argument that she hold financial knowledge and so you have to worry less about future portfolio management. Historically she is correct over long time range of investment. But show her if you invest your money in Sep 2007 then i...
by core4portfolio
Wed Sep 06, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 6387

Re: What is the main purpose of holding your current job?

I took the career since thats what i do when iam free and also its my hobby. 3 months before, my answer will be mostly 1 but now it goes to 4. Iam trying to make it to 1 by doing a switch to new company. Current one have more free time but now i also study few things related to my career. My hobby i...
by core4portfolio
Tue Sep 05, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 27718

Re: Name something you had to have and now you regret purchasing it?

Sony sound bar with subwoofer CT 150.Used for a year and packed it for 2 years so far.
Kids kitchen gate. My son kicks it out in few days after we installed.
So we packed it back to box.
by core4portfolio
Tue Sep 05, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 14420

Re: Do you use lifestrategy/ asset allocation funds?

I want my allocation to be 80% on TSM and 20% on TBM but I couldnt find any fund doing this If they have fund in these category then I should have invested in that fund. I dont like international allocation in my funds. So havent used LS or Target date. In 401K i have something called cruise control...
by core4portfolio
Tue Sep 05, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 14777

Re: If I died today, what would my spouse do?

I told my wife to contact Bogleheads to get answers and if still not understandable then I asked her to contact Rick Ferri (Portfolio solutions) to have job done and being their client. Iam still thinking about trust option but I still havent read any books on that You do realize that Rick has move...
by core4portfolio
Mon Sep 04, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 14777

Re: If I died today, what would my spouse do?

I told my wife to contact Bogleheads to get answers and if still not understandable then
I asked her to contact Rick Ferri (Portfolio solutions) to have job done and being their client.
Iam still thinking about trust option but I still havent read any books on that
by core4portfolio
Fri Sep 01, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Your Mechanic
Replies: 2
Views: 648

Re: Your Mechanic

I have used them for oil changes last year. Its very reputable. Mechanic will come to your home or location of common choice. He hold all the tools needed and they will take pics of what they have done and upload them. If you are good with the work then you are requested to do esign.You have one yea...
by core4portfolio
Thu Aug 31, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 1759

Re: iPhone tempered glass...$6 vs $50?

i bought this back on 2014 for 10 bucks with lifetime replacement https://www.amazon.com/Tech-Armor-iPhone-Ballistic-Protector/dp/B00EL94RQE/ref=sr_1_6?s=wireless&ie=UTF8&qid=1504198621&sr=1-6&keywords=iphone+screen+protector Screen protector got damaged few weeks before and asked for replacement. t...
by core4portfolio
Sun Aug 20, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 16103

Re: I own no international stocks. Can you guess why?

I have 0% international allocation.
In my understanding, most of the US large cap stocks have exposure to foreign markets
So I just retained the US allocation only
Also easy to rebalance and simplicity x 2

I believe this might be the reason for gradually reducing to 0% from your end
by core4portfolio
Sun Aug 13, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: One more year [to retire]
Replies: 23
Views: 3001

Re: One more year

I find that as I get older, the variety of things I can do other than work (mostly athletic) seems to be declining. I'm very curious what people intend to do in retirement. When I was 20 I thought retirement would be awesome. Now I'm wary of it. Dave When Iam retiring, I will be learning fishing or...
by core4portfolio
Wed Aug 09, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 5128

Re: Toyota Camry Repair Priorities

We have a 2005 Toyota Camry XLE with 130,000 miles or so. It's been a good car, but is just starting to feel long in the tooth, particularly with the terrible roads and rough winters. I know for some bg's 130k sounds like it's in its infancy. I had an overall examination done on the car, and here w...
by core4portfolio
Mon Aug 07, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 124
Views: 14726

Re: Replace car battery after X years or wait till it dies?

When my battery is about to die, I took that to Advance auto parts to test that. They do free testing in 30 mins or so. my cars battery charged well but doesnt hold the charge. Then I bought the battery terminal cleaner brush and cleaned terminal to see if it makes any difference. No difference happ...
by core4portfolio
Thu Aug 03, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 53
Views: 9656

Re: Best "investment tip" I have gotten from Bogleheads

If complexity doesnt worked then turn to simplicity
by core4portfolio
Fri Jul 21, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Lexus to Camry, invest difference
Replies: 30
Views: 3168

Re: Lexus to Camry, invest difference

Background: Purchased Lexus in 2016, in December of this year will have owned for two years with three remaining on note. Owe $24,000, Blue book has value around $29,000. Just hit 20,000 miles. Enjoy the Lexus, beautiful vehicle, but it's just too nice for me. It's hard to explain, but I'm always w...
by core4portfolio
Sat Jul 15, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: 90:10 AA - what don't you believe about it?
Replies: 101
Views: 8475

Re: 90:10 AA - what don't you believe about it?

90:10 works great when market is rising like for the past few years. On 2010 and in Oct 2016, I remember seeing the SP 500 went down very sharply following the brexit and election time. Biotech XBI went down almost 20% at that time... Many were screaming in the forums.. Once market went down, people...
by core4portfolio
Thu Jul 13, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Asian Indian friend on parking 100k
Replies: 14
Views: 1653

Re: Advice for Asian Indian friend on parking 100k

Thanks everyone. I will advise my friend to put it in VTSAX and let it ride for 20 years
by core4portfolio
Thu Jul 13, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Advice for Asian Indian friend on parking 100k
Replies: 14
Views: 1653

Re: Advice for Asian Indian friend on parking 100k

Those accounts pay higher interest rate if the currency is INR. That poses currency exchange risk in general in both moving to INR and getting back to USD and during the term of the deposit. He plan to give that money to his kid who is US citizen. So at any point money will be spend in USA only. VT...
by core4portfolio
Thu Jul 13, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Advice for Asian Indian friend on parking 100k
Replies: 14
Views: 1653

Re: Advice for Asian Indian friend on parking 100k

Is the NRE account paying 6% denominated in Indian rupees? Or denominated in US dollars? What's the going interest rate in India? My guess is that you're facing currency exchange risk. Would you rather have the money in rupees or dollars? 6.50% is in US dollars only... If he move to indian account ...
by core4portfolio
Thu Jul 13, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Advice for Asian Indian friend on parking 100k
Replies: 14
Views: 1653

Advice for Asian Indian friend on parking 100k

Hi Bogleheads My friend is from India, he maxed Roth and 401k account and have 3 months of emergency fund. If he loses job he need to go back to india after 2 months and so 12 months is not required in USA for him. His company will provide the return tickets to india. He have money in Indian account...
by core4portfolio
Thu Jul 13, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: What is a portfolio?
Replies: 8
Views: 840

Re: What is a portfolio?

Portfolio generally means it contains one or more (to be expected to manage more) which is managable. In bogleheads its lean towards "Financial" portfolio. A financial portfolio is maintaining one or more financial assets. An asset may be financial instrument which might be Stocks, bonds, etf, mutua...
by core4portfolio
Thu Jul 13, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: 100k milestone
Replies: 49
Views: 6604

Re: 100k milestone

For those saying you hit 100k and then 10 years later you are at 500-900k? I am only investing an additional $500-600 a month. I am only working with about 30k income before taxes. I can live off of it and am content. How are you able to build your wealth that fast? Where do you have it invested? I...
by core4portfolio
Thu Jul 13, 2017 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Is there anything wrong with buying VTTSX in a brokerage account?
Replies: 35
Views: 2540

Re: Is there anything wrong with buying VTTSX in a brokerage account?

The issue with that approach is that you may end up with more money in bonds than you want or an asset allocation you don't want. Many young investors have small allocations to bonds; Vanguard's long term TR funds are at 10 percent. Say you're similar and want to be at 10 percent bonds, and also wa...
by core4portfolio
Tue Jul 11, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 18308

Re: Costco vs. other wholesale clubs

I like that Costco has no coupons, this tells me that their prices are close to what they pay. I get coupons in the mail from Costco every month. I am a member of Sam's, BJ's and Costco. I like Costco the best. No coupon required at the register. So why do they send them out? To know whats on sale....
by core4portfolio
Mon Jul 10, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 4121

Re: The cost of car ownership

Thanks for sharing a great post. I see the value for money in a different perspective. Might be for someone who is getting salary for 100k a year thinks 20k value car is reasonable one. However a business man who is earning Millions of dollars a year will see 70k as less value. Math is great since i...
by core4portfolio
Mon Jul 10, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - increase in compensation but also much longer commute
Replies: 25
Views: 2247

Re: Job opportunity - increase in compensation but also much longer commute

From the summary, i think you slowly started to hate your current job. Accept the new offer and relocate if distant is concern. For me, 45 miles is not bothering me for 1.10 hour travel. In Atlanta, 17 miles takes almost same time... so yours is better in terms of drivability Look out in glass door ...
by core4portfolio
Thu Jul 06, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 6453

Re: Better hurry if you want a gas-engine Volvo

Everything will be electric or hybrid in a couple of years? IMHO, probably not. Electric vehicles are more expensive, they are heavier, they do not work well in cold weather, not to mention the fact that there is not the infrastructure in place to support their "refueling." I suspect that gasoline-...
by core4portfolio
Wed Jul 05, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 102
Views: 16605

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

Pay it off. Peace of mind and you already saved your money on mortgage interest.
I voted to pay it off.
For me, investments is second and debt is first
by core4portfolio
Wed Jul 05, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 8930

Re: AAA Cost

There are several AAA affiliated clubs that do business in Virginia. Which club are you referring to? https://www.groupon.com/deals/aaa-tidewater-virginia-1 Thanks. Note that AAA Tidewater only does business in a small portion of Virginia (Tidewater [Hampton Roads] area). The majority of Virginia i...
by core4portfolio
Wed Jul 05, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: Seeking new investment advisor - suggestions?
Replies: 14
Views: 1150

Re: Seeking new investment advisor - suggestions?

Does anyone have advice for an actual investment advisor name / company? We are looking for a new advisor to help us get our retirement accounts in order and to offer an check-up every 6-12 months ongoing. We want to focus on low-cost index/passive investing but we'd like to have some guidance in d...
by core4portfolio
Fri Jun 30, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 8930

Re: AAA Cost

There is groupon deal in virginia if you have any friend in Virginia then check groupon and buy one. There are several AAA affiliated clubs that do business in Virginia. Which club are you referring to? https://www.groupon.com/deals/aaa-tidewater-virginia-1 Thanks. Note that AAA Tidewater only does...
by core4portfolio
Fri Jun 30, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 18308

Re: Sam's Club vs. Costco

...So to the OP, give your nearby Sam's Club a chance. OP here. Just to clarify, we have been Sam's Club members for many years and are satisfied with Sam's. I see a lot of positive comments on this forum about Costco, not so much about Sam's. Because of these comments, I wondered how Sam's compare...
by core4portfolio
Tue Jun 27, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 32232

Re: Where to Live on $60K or Less a Year?

I prefer Greenville..South carolina Its closer to Charlotte as well Atlanta. Good weather and drive to mertyl Beach/outbanks Better cost of living and rarely heavy snow Costco and other shops are there with less to no traffic If I retire, I would go there I also considering Gainsville in Georgia hav...
by core4portfolio
Sun Jun 25, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 18308

Re: Sam's Club vs. Costco

Several other forum posts on this already if you do a search. We were Sam's Club members for 8 years before joining Costco. Night and day difference in favor of Costco. Customer service at Sam's club is abysmal. I would drive 90 minutes to Costco over Sam's Club down the street if it were me, havin...
by core4portfolio
Sun Jun 25, 2017 8:16 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 7924

Re: Your Favorite Vanguard Fund

If its just one then VTSAX
If its 2 then VTSAX and 2045 Target retirement fund VTIVX
by core4portfolio
Sun Jun 25, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: 58 years old and laid off seeking advices
Replies: 43
Views: 6282

Re: 58 years old and laid off seeking advices

As all experts already advised, I have one advise to give. You can sell the individual stocks first then go for EFT/Mutual funds selling in taxable account When selling individual stocks, dont sell entire stock until all stock value reaches you needed money value. For example, if you want 65k then d...
by core4portfolio
Fri Jun 23, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 1564

Re: How do you approach your ESPPs

I have close of 980 share of ESPP with 65k and sold all of them last week. Thinking on putting in VTSAX I sold primarily since there are lot of uncertainty and dont want to hold it for long term. I can contribute 15% of salary and company will give 10% of fair market value on 1 or last day of quarte...
by core4portfolio
Fri Jun 23, 2017 5:49 am
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 10801

Re: Costco vs. Amazon - Thoughts of Prime Members?

Iam a huge fan of costco.. they gave me free road side assistance through Ameriprise auto insurance I buy milk, bread , vegetables , breakfast foods at costco every month. Any item i purchase first check is at costco.. if not then i look on amazon. I like their "in person" customer service and i fel...
by core4portfolio
Fri Jun 23, 2017 5:41 am
Forum: Investing - Theory, News & General
Topic: Why bonds when one's investment horizon is long?
Replies: 59
Views: 5275

Re: Why bonds when one's investment horizon is long?

Hi. Many target date funds are invested in bonds to a significant degree. For example, ~10% of the Vanguard Target Retirement 2060 Fund ( VTTSX ) is in bonds: 7.2% Vanguard Total Bond Market II Index Fund Investor Shares 2.9% Vanguard Total International Bond Index Fund Investor Shares Simply state...
by core4portfolio
Thu Jun 22, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 8930

Re: AAA Cost

criticalmass wrote:
core4portfolio wrote:
There is groupon deal in virginia
if you have any friend in Virginia then check groupon and buy one.
There are several AAA affiliated clubs that do business in Virginia. Which club are you referring to?

https://www.groupon.com/deals/aaa-tidewater-virginia-1
by core4portfolio
Sun Jun 18, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 7580

Re: So sick of it! [Paying off student loans]

Gang, Your input on finances since I discovered this website has helped a lot. I am blessed with a great income. Let me tell you what is going on and what I am sick of! Let me give you some details first... Yearly investing - I am basically happy with this for now at 34yo. 18.5 k 401k + 25% match 1...
by core4portfolio
Sun Jun 18, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 7155

Re: Best Financial Advice from Dad (in honor of father's day)

My father dont understood in stock market. So except ESPP he never invested in stocks.
If you want something and if you have money then buy it..money is for buying things.
He showed me how to live frugal and never talked me on finance
I just learned and still learning by seeing him :)