Bogleheads.org

FullYellowJacket

Bogleheads: I live in Miami on the shore of Biscayne Bay. I grew up as a little boy next door. I see little difference in the water level. What has risen is property value and taxes. Best wishes. Taylor Point well taken. Watch the 1960 movie "Where The Boys Are" and you will see the ocean distance ...

FullYellowJacket

There are various sea level rise maps you can consult that show the effect of various levels of rise. If the goals of The Paris Agreement come to pass then most of Florida will be fine. I just wouldn't want to be anywhere near flood plains. Unfortunately some amount of sea level rise is already bake...

FullYellowJacket

Asking where growth will come from in the future is similar to someone in 1950 asking about when will the microchip or integrated circuit be invented. All it takes is a few scientific breakthroughs and growth is limitless. My barely educated opinion is that major breakthroughs in energy and energy t...

FullYellowJacket

DW and I visited Paris off-season (March) a few years ago. We didn't have any problems buying all tickets at the amusements. The Eiffel Tower line took maybe 5 minutes to go through around 10:00 AM.

FullYellowJacket

And now that I think about it I think you should clarify what you mean by South Bay Area. Do you mean "South Bay" Area, AKA the part of LA that contains Torrance, Manhattan Beach, etc? Or do you mean the South "Bay Area" which would be San Jose, Sunnyvale, etc?

FullYellowJacket

While technically not in the South Bay, there are a handful of really good vegan/vegetarian spots on Abbot-Kinney in Venice that make good veggie sandwiches.

FullYellowJacket

My house is built two feet above the previous flood of record. FEMA Flood Zone X only requires one foot. I took on 31" of water last year (considered a 500 year or 1,000 year flood depending on who you talk to). I am quite a bit higher than what surrounds me and not in danger of a dam burst. The wa...

FullYellowJacket

It's also possible that one philosophically agrees with the estate tax and therefore does not try to avoid it.

FullYellowJacket

Term life (if you needed it, I don't think it makes any sense to get it before starting a family) is much cheaper for much more coverage. 1/10th of the cost per year will provide double the death payout. Invest the difference and your net worth will thank you.

FullYellowJacket

Does Greenspan have any credibility any more?

FullYellowJacket

Since you are in the 28% bracket, you must have a very large level of debt. Is there any chance you could sell your cars and replace them with cheap cars to wipe out the car debt? Obviously if your cars are under water this is not much of an option. Do you have a spare room/area in your house that y...

FullYellowJacket

I swear colleges/high schools need to start offering a mandatory class that COMPANY HR AND LEGAL IS NOT YOUR FRIEND. They are their to protect the company, not you.

FullYellowJacket

Don't ask us. Contact a local labor lawyer to see if you have a case.

FullYellowJacket

Hey I'm OP from that thread! Enjoy the trip! One thing: When you go to Bled do not forget to head to Vintgar Gorge for one of the most beautiful hikes of your life. DW and I hiked there from Bled to get some countryside views, but we are big hikers. The only other thing we did that is not on this li...

FullYellowJacket

Lack_ey, Interestingly, all of Vanguard's active international funds have outperformed in respective categories. This shows costs definitely still matter. So far it seems like my answer is market weighting emerging markets has really been a negative, which probably explains VTIAX underperformance. I...

FullYellowJacket

But wouldn't USD strengthening have caused a drag in other international funds? Are non-hedged int'l funds a minority?

FullYellowJacket

The title says it all. I'm curious as to some explanations as to why Vanguard Total International (VTIAX) has underperformed it's category so strongly (5 year it is in the bottom 50%). I've also noticed that Vanguard Emerging Markets has strongly underperformed category where one has to go back to 1...

FullYellowJacket

My HOA documents actually make it quite clear that I directly own 1/35th of all common areas in the complex (pool, elevator, etc.). In the event of natural disaster/force majeure that requires demolition of the building. I get 1/35th of value of loss for the building and 1/35th if the homeowners agr...

FullYellowJacket

A game! A take out sandwich at a deli? No A cup of black coffee at $Bux or the Bou? Yes, but I usually get an americano if I want a cup of coffee at starbux A cup of ice cream or cone at an ice cream shop? Sometimes A cup of soup and 1/2 sandwich at Panera? No A glass of beer at the bar why you wait...

FullYellowJacket

Take the $200k down payment, move to a lower CoL area of the country and buy a house with cash. . +1. I don't understand why people stretch themselves so thin to stay in a particular place, no matter how much you love it. A net worth of $400k is not that great for your age and income level (though ...

FullYellowJacket

If you can afford the mortgage while still meeting your retirement savings goals then go for it. DW and I purchase in LA last year. It was a condo so not quite as big of as investment as a 1MM+ purchase, but it was still nearly 500K. The mortgage is greater than 2X our income, closer to 2.5X. We wan...

FullYellowJacket

Embrace the 511 fit. Embrace the slim fit. I'm 6'7" and they fit fine on me (34W/36L).

FullYellowJacket

Give me a double-double, and I'll show you a person that is content with life. DW and I live about a 5 minute walk from an in-n-out. Not having to deal with the crazy drive-through lines makes it a much nicer experience. In my opinion it probably isn't the best tasting fast food burger, but nothing ...

FullYellowJacket

Every time I think about playing around with individual stocks, I realize that the most money I would be willing to put in would be inconsequential even if said stock went up 500%. Same reason why I did not invest in bitcoin. I thought about it back when prices were around $100 for 1 BTC. The most I...

FullYellowJacket

Food can go into the equation (or be excluded) depending on what metric you are looking at. The Bureau of Labor Statistics has ample material that explains how inflation is calculated if you really care to know. Either way, food getting more expensive does not necessarily mean there is inflation. Th...

FullYellowJacket

You could take that 2k and go on vacation to Europe right now if you are spartan about it!

FullYellowJacket

One point in favor of VTIAX/VXUS is that it seems that most of the top performing funds of the last 5+ years are USD hedged funds. Over the long term I would expect such hedging to erode gains due to the cost of hedging. We may see some purposeful devaluation of currency to help exports as well, whi...

FullYellowJacket

I've had many of the same thoughts. PRGTX doesn't seem to be the best international diversifier, as only 30% of the fund is international stock.

FullYellowJacket

Let's not turn this thread into bashing on millenials. Every generation has weak and strong points. My favorite part is when people complain about us being the participation trophy generation. Who gave us those trophies? It is my strong opinion that boomer parents enjoyed seeing our shelves full of ...

FullYellowJacket

Checking our budgets, we really don't spend any more money in Los Angeles (SF Valley) than we did in Metro-Atlanta, outside of housing costs. I'm guessing that we probably pay 50-75% more in housing costs here, but our increased incomes way more than makes up for it. We spend more money on entertain...

FullYellowJacket

Market timing would be the equivalent of trying to use a driver to get on the green of a par 4 surrounded by sand traps with a lake between you and the green. You may get lucky and end up with an eagle, but you are just as likely to end up in the water which requires you to play even more aggressive...

FullYellowJacket

Just to offer a counterpoint.: I imagine your group-mate that quit engineering didn't really want to be an engineer anyways, regardless of the result of that group project. I sometimes wish I had given in and decided to do something else. I would likely be happier now if I did. Second, I have a few ...

FullYellowJacket

I lived in Atlanta for 26 years. Atlanta summers are anything but mild. Southern California or bust.

FullYellowJacket

Like I told DW, the thing markets hate more than anything was uncertainty. Now we are certain of who the president will be, the markets went up a little bit.

FullYellowJacket

3:1 gin:vermouth, generally brand agnostic.

Two olives (preferably stuffed with blue cheese) with a heavy splash of olive brine.

I like my martinis dirty.

Edit: My other martini recipe: 1. Chill vodka. 2. Put chilled vodka in glass 3. Drink martini

FullYellowJacket

California has 10 million more people now that it did 25 years ago. Many more people have moved to California than the other way around. DW and I are two of those people. We both grew up in affordable suburbs. We have no plans of ever leaving SoCal/LA. Then again, we are still saving plenty for (ear...

FullYellowJacket

So I rolled over 16500 back in mid-June (lets say June 22) from a Roth IRA to a checking account as a cash buffer for home purchase. As everyone on this board said would happen, we dipped into this amount by a little bit. Let's say I transfer 10K back in before August 2 as a rollover. It is my under...

FullYellowJacket

All of the sports listed have their dangers. Honestly, knowing the risks associated with concussions in youths, gymnastics may be the least dangerous that you mentioned.

FullYellowJacket

FRx wrote:So can a company go un-public? Because then they wouldn't have to share their profits with the share-holders. Oh wait, no they couldn't because the share-holders could refuse to sell. I think I had a light-bulb moment, or am I off?

It happens on occasion. Dell was a big somewhat recent example. http://www.forbes.com/sites/conniegugli ... 8be7ff4fd2

FullYellowJacket

I'm in a HCOL area and this doesn't seem too far out of line with what I have seen. I'm looking at maybe 4k in closing costs on a .5MM home for 3.375%.

FullYellowJacket

Ugh! You sure you want to live in the valley? Have you ever been to LA? If my work location permitted me, no, I would probably not live in the valley. I'm most fond of the near downtown neighborhoods. I wouldn't complain about being able to live near the beach either. Having said that, I do quite e...

FullYellowJacket

We purchased several years ago in the Woodland Hills area. Own a townhouse, now worth about 500k. 3 bed 3 bath almost 1600 sq ft. I do enjoy living here! My commute is long but I like the area. I would recommend WH! How is the "walkability" in Woodland Hills? DW and I love being able to l...

FullYellowJacket

I've lived in the Valley for almost 25 years. Born in Tarzana, raised in Encino and Live in Woodland Hills currently. Personally, I'd stay out of Studio City/Toluca/N.Hollywood (which aren't considered "The Valley" anyway) as you will not get nearly the bang for your buck. Whether you cho...

FullYellowJacket

Hi Bogleheads, I've posted a few times about buying a house, but generally in the finance part of the equation. Well we have a down payment together so we are now looking! Let's say you had a budget for $500,000 and you wanted a 2 BR/1.75+BA in the following neighborhoods: Studio City Toluca Lakes N...

FullYellowJacket

Both Chicago and Seattle are amazing cities with plenty to offer. I think the best question is: how would you handle a Chicago winter?

http://www.city-data.com/forum/weather/ ... ather.html

FullYellowJacket

Angelus359 wrote:Any suggestions on an amp? I'll primarily be using this at my desktop computer so USB DAC is fine

https://www.amazon.com/FiiO-E10K-Headph ... B00LP3AMC2

Sennheiser's DAC/AMPs are insanely expensive.

FullYellowJacket

Audio equipment in general will do this. Amps, speakers, cables, turntables... There is always something a little bit more expensive out there than whatever you are purchasing.

FullYellowJacket

If you don't replace the money and you are under 59.5, is there a 10% penalty for early withdrawal? Or is the penalty waived if you are putting it into a house? (I'm rusty on this.) Celia, In my case I am only withdrawing an amount up to my contributions at a maximum from a Roth IRA. Whether or not...

FullYellowJacket

Hi everyone! DW and I have saved up the required 20% down payment for a house in Los Angeles. We are house shopping now. Here is my idea: I would like to take money from my Vanguard Roth IRA as a cash buffer during the purchasing process. Near the end of the 60 day time period, I would deposit this...

FullYellowJacket

I say, max out the IRA(s) and save for the down payment beyond that. If you have to save for another year, not too big a deal. If a house comes along you really want, you can withdraw some from the Roth... if needed. I have found that if you suggest using Roth IRA funds for a down payment, people a...

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