Search found 410 matches

by crg11
Thu Jul 12, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15034

Re: COMING SOON: BOGLEHEADS PODCASTS

The Bogleheads Show
This Week in Bogleheads
Investing the Bogleheads Way
Let's Talk Bogleheads
by crg11
Thu Jul 12, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5734

Re: Is expensive olive oil worth it?

I used to buy the cheap extra virgin olive oil from the grocery store. Then I read this book: https://www.amazon.com/Real-Food-Fake-Youre-Eating-ebook/dp/B01B3VMBN8/ and it completely changed my perception. Real extra virgin olive oil is surprisingly rare :( http://extravirginity.com/ is maintained ...
by crg11
Wed Jul 04, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8237

Re: Any Boglehead powerlifters?

Lifted my first barbell ever 9 months ago at age 35 when I joined a local CrossFit gym. I'm a skinny guy with no upper body strength (I'm really close to passing 100# on a clean and jerk), so has been a slow build up, but absolutely love it. Changed everything about my health: my back, knees, and hi...
by crg11
Fri Jun 15, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Company 401(k) Actually Better Than IRA? (Fidelity)
Replies: 6
Views: 485

Re: Company 401(k) Actually Better Than IRA? (Fidelity)

I'm fairly certain (was told in another thread recently) that you cannot roll a Roth IRA into a Roth 401K. https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-rollovers-and-roth-conversions seems to agree on that part. Can I roll over my IRA into my retirement plan at work? You...
by crg11
Thu Jun 14, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 24
Views: 1719

Re: Fidelity CMA + MMF vs. online credit union

Just wanted to say, thank you for this thread and the excellent tidbits in it. Because my new employer has a 401k with Fidelity, I have been working on moving my Vanguard 401k, IRAs, etc to Fidelity and consolidating when possible. This thread made me realize I could also move for my emergency fund ...
by crg11
Tue Jun 12, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401k to Traditional IRA to new 401k in same year?
Replies: 4
Views: 249

Re: 401k to Traditional IRA to new 401k in same year?

You cannot roll your Roth IRA into a Roth 401k, the tax code does not allow it. That said, leaving your Roth IRA in place will not affect your ability to do a back door Roth, and you can convert into the existing Roth IRA account. The critical piece is having the pre tax TIRA value rolled into your...
by crg11
Tue Jun 12, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: 401k to Traditional IRA to new 401k in same year?
Replies: 4
Views: 249

401k to Traditional IRA to new 401k in same year?

I recently started a new job and rolled my previous employer's 401k funds into my Vanguard Traditional IRA. I just learned my new employer has Fidelity with excellent institutional Vanguard index funds (with expense ratios as low as 0.02%) and no admin fees. Does it make sense to roll my Vanguard Tr...
by crg11
Tue May 01, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: New job with HSA, previous job had FSA...can I use the HSA?
Replies: 3
Views: 385

Re: New job with HSA, previous job had FSA...can I use the HSA?

Thanks for the tips. Sounds like the key (since the FSA terminates when the job ends) is to start the HSA the 1st day of the following month.

I'll have to talk with HR when I start and see if I can do that.
by crg11
Tue May 01, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: New job with HSA, previous job had FSA...can I use the HSA?
Replies: 3
Views: 385

New job with HSA, previous job had FSA...can I use the HSA?

I'm starting a new job in a few weeks and they offer a Health Savings Account coupled with a High Deductible health plan. However, my previous job has a Flexible Spending Account (FSA). My understanding is I can't have both a FSA/HSA at the same time in the same year, however I have read mixed scatt...
by crg11
Sat Feb 24, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 234
Views: 42487

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

How are they able to hold $1 for so long when I see their portfolio is 70% bonds and bonds are going downhill? My other bond fund VBTLX is bleeding money like it's going out of style so just a bit confused. Ignoring the bonds, versus notes, versus bills debate for a second. Retail and govt MM funds...
by crg11
Fri Feb 09, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 14451

Re: "The stock market is officially in a correction... here's what usually happens next"

Staying the course :) Zero concern about the market. Continuing with my investment plan (DCA to max out my 401k and our IRAs over the course of the year).

Love following this forum.
by crg11
Wed Jan 31, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2786

Re: looking for positive experiences transferring to Vanguard

Multiple transfers for multiple people over the years, never had an issue. Even when I sent a 401k transfer check overnight to Vanguard they had it processed and in the account within 48 hours.
by crg11
Sat Jan 27, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 10167

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

I read this thread and shake my head. I don't know how you could be proud of using devices that stopped getting security updates in some cases years ago. Doesn't matter if you are careful about what sites you visit or apps you install. You are putting everything you have on your phone at risk by usi...
by crg11
Sun Jan 21, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 101
Views: 6139

Re: Going to one income-seeking testimonials

We have been 1 income for about 18 months now. It's definitely a challenge in some ways. Budgeting properly (we use YNAB) and using common sense is the key here. If you spend less than you earn, then you are ok :) We would be barely breaking even if we added a second salary to our household because ...
by crg11
Fri Jan 19, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Forrester
Replies: 34
Views: 2626

Re: Alternatives to Subaru Forrester

Love my '17 Forester (great visibility, rock solid in snow, comfortable ride). We also looked at the CRV (visibility felt poor) and RAV4 (did not like interior design). I'd look at an Outback if you want to stay in the Subaru family. It's a bit more refined in certain areas (interior for one) compar...
by crg11
Sun Dec 31, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 353161

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

18.2% for 2017. Most of the year was spent in my two fund portfolio (Total Stock Market + Total Bond Market), ~80/20 split. Did do a little trial with a Target Retirement fund for everything, but decided to go back to my two fund portfolio. Seconds straight year we maxed out contributions to my 401k...
by crg11
Sun Dec 31, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Two-comma club just in time for the New Year, and thank you
Replies: 47
Views: 5231

Re: Two-comma club just in time for the New Year, and thank you

Posts like this keep me motivated. Hit about $324k NW as of today. A long ways to go to the two-comma club (we're in our mid 30s), yet we've already grown so much over the past couple of years.
by crg11
Mon Dec 25, 2017 12:27 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 9554

Re: My Christmas Present to You

Merry Christmas, Taylor. My great-grandfather fought in the Battle of the Bulge and almost lost his life from wounds suffered in that battle. Thank you serving during that time and sharing your bits of wisdom over the years :)
by crg11
Thu Dec 21, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: iPhone 4 troubleshooting
Replies: 15
Views: 1430

Re: iPhone 4 troubleshooting

Not to mention, the iPhone 4 hasn't received an iOS update since iOS 7 (there has been 4 major versions since)! Many modern apps simply won't work on that phone, never mind the ton of security vulnerabilities that have since been patched. Seriously, get a new phone. I think you got your money's wort...
by crg11
Sat Dec 02, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 23554

Re: Best Financial Moves You've Made

1. Started contributing to my 401k at age 22. It wasn't much, but has added up over time. Now I've maxed out my 401k for 3 straight years and both mys spouse and I's IRAs for 2 straight years. 2. Had a big awakening around 2007 (3 years after college) on debt and credit cards. I first got it to the ...
by crg11
Thu Nov 30, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 6419

Re: 2018 Goals - Financial or Otherwise

1. Accomplish 3 straight years of a maxed out 401k and two IRAs. 2. Spend more time with my family. 3. Enjoy nature more. 4. Establish a plan to begin taxable account investing. 5. Read more. 6. Look into coaching to help level up my career. 7. Be consistent working out and eating better. I started ...
by crg11
Sat Oct 28, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 32283

Re: Iphone X is $1000

Also bought one, should be delivered by launch day. While I'm not due for a new iPhone, I'm excited for the better camera, bigger / more color accurate screen, and the performance gains. Gadgets are my one vice and given I'm in tech, I don't have an issue with buying these. I budget for them and I l...
by crg11
Wed Oct 04, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 22952

Re: What age did you become debt free and what opportunities did it create?

Not debt free, fairly close. Paid off my student loans early this year and that was a huge lift to our finances, both mentally and budget wise. Not having to think of payments, collect statements, figure out taxes, and just grumbling about my student loans was liberating. Also we have paid off our c...
by crg11
Mon Sep 25, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 28955

Re: I won the Lottery. Need sound advice.

For help budgeting, check out You Need A Budget (https://www.youneedabudget.com). Excellent budgeting program that has helped many Bogleheads and others on getting their spending under control. The philosophy is basically give every dollar a job. It's life changing if you abide by the program and fo...
by crg11
Mon Aug 21, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 19864

Re: How far would you travel to see The Eclipse?

Excited, in 2024 we'll have a full eclipse here in the northern New England.
by crg11
Fri Jul 28, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 78
Views: 24841

Re: Vanguard Money Market vs. Savings Accounts

I recently moved my emergency fund from an online savings account into a Vanguard Prime Money Market fund. Interest rates are basically the same, so no change there. Main reason is to consolidate the # of accounts/companies I have a financial relationship with (now down to a credit card company, a l...
by crg11
Mon Jul 24, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Potential Move to the Upper Valley, NH
Replies: 24
Views: 2311

Re: Potential Move to the Upper Valley, NH

Grew up in the Lake Sunapee region and dream about going back to retire there. It's home. I wouldn't trade my childhood for anything. Even in my adult life, living in the "big" city now and quite used to the big city amendities, every time I visit "home" I never want to leave. New London is a bit un...
by crg11
Fri Jul 07, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for emergency fund..Credit Union?
Replies: 3
Views: 693

Re: Best place for emergency fund..Credit Union?

2% is going to be tough to beat in terms of a guaranteed, no-risk return. Most high yield online savings accounts and Money Market accounts are around 1% today. If you don't mind the hoops to jump through to secure that 2% rate monthly, I'd go with that. The general rule on emergency funds is that y...
by crg11
Sun Jul 02, 2017 7:06 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 353161

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

8.6% YTD, roughly 85/15 split between Total Stock Market and Total Bonds.
by crg11
Sun Jul 02, 2017 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Ally raised their savings account rate to 1.15%
Replies: 19
Views: 4189

Re: Ally raised their savings account rate to 1.15%

Nuts. And I just moved my EF from Ally HYS to Vanguard's Municipal Money Market Fund (VMSXX) with SEC yield 0.78%. At 33%, the tax-equivalent yield is 1.16%. I would have just kept it at Ally if they made the change a day earlier! Oh well. MMFs seem to be on the rise pretty fast anyway. Two weeks a...
by crg11
Sat Jun 17, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 234
Views: 42487

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

There is another aspect to the comparison of bank accounts and MM funds. When you put money in a bank account, you are lending it to the bank or CU. If not for FDIC or NCUA insurance, your money would be only as safe as the bank or CU is solvent. That would be a significant risk. OTOH, when you put...
by crg11
Sat Jun 17, 2017 5:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 234
Views: 42487

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Interesting thread. I do like the thought of consolidating my online savings accounts into VMMXX now that it's yield is 1%, but one thing keeps nagging me: Vanguard Prime Money Market Fund (VMMXX) doesn't offer FDIC insurance, right?
by crg11
Mon Jun 12, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 19967

Re: Bogle Doubles Down on US Index Funds

I've been in just Total Stock Market + Total Bond Market for the past year or so for a couple of reasons: 1. We can have the exact same funds and asset allocation across our 401ks and IRAs. Unfortunately my 401k doesn't have Total International, just Emerging Markets. 2. It is simple. Only two funds...
by crg11
Mon Apr 03, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Exercising startup stock options with imminent new round of funding (AMT panic)
Replies: 2
Views: 459

Re: Exercising startup stock options with imminent new round of funding (AMT panic)

Don't quote me on this, but when I exercised my ISOs upon leaving a previous employer, the stock certificate listed the exercise date as the date on the check I sent them, not the date the company received the check or decided to issue the certificate. Not sure on the exact legal requirements here, ...
by crg11
Thu Feb 09, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Why Wouldn't You Want International Stocks?
Replies: 96
Views: 9803

Re: Why Wouldn't You Want International Stocks?

I just do 80% Total Stock Market Admiral and 20% Total Bond Market Admiral.

Why?

1. It's simple.
2. My 401k and IRAs all have these exact same funds, so it is easy to keep in balance.
by crg11
Sun Jan 01, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 353161

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

80/20 split between Total Stock Market Admiral and Total Bond Market Admiral. Trailing investor return (money-weighted return, internal rate of return) Investor return as of 12/31/2016 Since* 12/31/2013 6.3% * Annual compound return Trailing portfolio return (time-weighted return, comparable return)...
by crg11
Sun Jan 01, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: iPhone and iPad security
Replies: 7
Views: 1953

Re: iPhone and iPad security

Antivirus software doesn't exist on iOS due to Apple's security model (they review/approve all apps before they hit the App Store, sandbox apps so they are isolated from each other, etc). If you have a non-jailbroken iOS device, there really is nothing to fear here. In fact, many antivirus programs ...
by crg11
Mon Dec 26, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: Fenway Park
Replies: 22
Views: 2621

Re: Fenway Park

You're in for a treat, although dress warm (Fenway in April can be a bit chilly/rainy). I have a good feeling about the Sox this year :) If you want to avoid any public transportation transfers, even if it is simple ones like changing T line colors, then your main bet is to take the Green Line B, C,...
by crg11
Wed Sep 21, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: macOS Sierra
Replies: 25
Views: 3758

Re: macOS Sierra

Most rock solid macOS upgrade yet. So far so good.
by crg11
Tue Sep 20, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Clomid+IUI and IVF Cost Help [In Vitro Fertilization]
Replies: 18
Views: 2641

Re: Clomid+IUI and IVF Cost Help

I think the total cost (insurance + our portion) was ~$1000 for one round of IUI+Clomid. We were lucky that it worked the first time. One thing to check is if your insurance covers with testing vs. the procedure. Luckily our insurance at the time covered the testing, but not the procedure. Most of t...
by crg11
Mon Aug 29, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: My beloved Subaru just bit the dust...now what?
Replies: 27
Views: 4054

Re: My beloved Subaru just bit the dust...now what?

My wife and I were just car shopping. We narrowed it down to the CR-V and Forester, finally picking the Forester for a couple of reasons: Subaru's AWD is the industry best. Honda's doesn't come close, even with winter tires. We liked the finish inside the Forester better than the CR-V. The CR-V felt...
by crg11
Sat Aug 20, 2016 6:50 am
Forum: Personal Consumer Issues
Topic: Unlimited Data Plans
Replies: 5
Views: 881

Re: Unlimited Data Plans

I have T-Mobile and they seem to be moving everyone to unlimited data plans in September. I have been considering if it's feasible to drop broadband internet and just stream my Roku from T-Mobile. Does anyone have any experience/suggestions with this idea? Our home internet use consists of general ...
by crg11
Sat Aug 20, 2016 6:45 am
Forum: Investing - Theory, News & General
Topic: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks
Replies: 45
Views: 6897

Re: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks

I went with the two fund portfolio (Total Stock Market + Total Bond Market) a few months ago. Reasons: It's simple (80/20 ratio). Lowest expense ratios (0.05% for total stock, 0.06% for total bond) I have access to thanks to admiral shares. I can replicate my asset allocation in both our IRAs and 40...
by crg11
Thu Aug 11, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 146
Views: 21031

Re: Best Crossover SUV to purchase

If you want good mileage on an AWD crossover, it is very hard to beat the Subaru Forester or Outback...Subaru typical has the best AWD mileage in any car category. Pretty certain you will get the rest of your asks in a Subaru too.
by crg11
Wed Jul 13, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Mac Computer
Replies: 21
Views: 2409

Re: Mac Computer

Are you able to wait a few months, or do you need a new computer right now? Apple should be releasing the next round of Macbooks in the next couple of months. May be worth the wait if your purchase isn't urgent. http://buyersguide.macrumors.com/#Mac is a great place to check on whether an update fo...
by crg11
Mon Jul 11, 2016 7:55 am
Forum: Personal Consumer Issues
Topic: Does Any One Have Any Experience Using the Goodreads Website
Replies: 15
Views: 2095

Re: Does Any One Have Any Experience Using the Goodreads Website

I keep track of my reading (and read) lists now in Goodreads. Works great.
by crg11
Sat Jun 25, 2016 7:06 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 19340

Re: International stocks in free fall

I recently (last week) opened an account at Vanguard and just got the money available today. I started a couple funds including developed markets ex-US with the fund minimum investments, and have a little more than half left. Any opinions on the best period of dollar cost averaging to take advantag...
by crg11
Thu Jun 23, 2016 8:02 pm
Forum: Investing - Theory, News & General
Topic: Why You Shouldn't Do International Stocks?
Replies: 60
Views: 9567

Re: Why You Shouldn't Do International Stocks?

I recently moved to a combination of Total Stock Market and Total Bond Market for my only two funds. Simple (I can use this combination across all of my accounts), low fee, and easy to track.
by crg11
Thu Jun 23, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: How Does a Password Manager Impact Day to Day (IOS and Mac)
Replies: 48
Views: 4659

Re: How Does a Password Manager Impact Day to Day (IOS and Mac)

1Password. There is no competition. Works with any browser and Mac & Windows.