Search found 554 matches

by Compound
Fri May 25, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Folks, I'm calling the Tops for Bay area RE market
Replies: 46
Views: 2337

Re: Folks, I'm calling the Tops for Bay area RE market

Now or within 4 months.. Rest of the US will lag by 8-12 months.. Hotter markets first. I may be wrong but I kinda feel it. We will come back to this thread in 2 years and figure out. Also a possible Stock decline starting September.. What metric are you suggesting we use to determine if you are co...
by Compound
Wed May 16, 2018 9:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9028

Re: Yes, I'm 89 all right! [Jack Bogle]

Happy Birthday! Best wishes in the days, months, and years to come.

Thank you for all you’ve done for the common investor! I’m honored to call myself, with pride, a BOGLEhead and in doing so carry a small part of your legacy forward.
by Compound
Sat May 12, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Asset Allocation
Replies: 8
Views: 745

Re: Question about Asset Allocation

They are close, but not the same. You may consider adding another fund to the S&P 500 fund to approximate the total market fund. See here:

https://www.bogleheads.org/wiki/Approxi ... ock_market
by Compound
Tue May 08, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17378

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

What a bummer! Sorry to hear about the house falling through. Best of luck going forward on both car and house fronts.
by Compound
Tue May 08, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: How are we doing?
Replies: 13
Views: 1727

Re: How are we doing?

I think with our AGI we would only be allowed a partial deduction on Traditional IRA contributions since we have the 401k/TSP available to us at work, unless I am missing something? In the future we probably won't be allowed a deduction at all as our wages increase. You are correct, my mistake. Bas...
by Compound
Mon May 07, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17378

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

[quote=OffTheGrid post_id=3906211 time=<a href="tel:1525116658">1525116658</a> user_id=117862] Trouble is, I can’t co-sign... I have great credit but I’m getting our mortgage this week! Unless I'm mistaken the week has already passed, or close to it. Exactly what I’ve been thinking. Wait long enoug...
by Compound
Mon May 07, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Young investor, any advice?
Replies: 9
Views: 840

Re: Young investor, any advice?

Very nice start. Wish I knew half the issues you’re discussing when I was 27. Two things I’d be looking to do: 1. Keep developing your work skills to increase income. (I assume you mean the 12% 2018 bracket.) 2. Move from EJ to Vanguard. I’d suggest calling Vanguard for guidance on this. It should b...
by Compound
Mon May 07, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5955

Re: How much car to buy on $250K income, $200K NW, newborn on the way

I don’t think there is a hard and fast rule on a specific dollar amount. I like that you have a plan to pay in cash and have a very sizeable amount to spend if you so desire. That said, the purchase price has to be taken in context with your other savings goals and values. For example, do you own a ...
by Compound
Mon May 07, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5955

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Planning on buying in cash? How much cash on hand do you have for this purchase?
by Compound
Mon May 07, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 61
Views: 4863

Re: Tires: Where to Get? Warranty? And Questions?

Another satisfied Costco and Tirerack tire buyer here. Have had good service and value with both places.
by Compound
Mon May 07, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: How are we doing?
Replies: 13
Views: 1727

Re: How are we doing?

2) My 401k has really high expense ratios, should I contribute to my 401k or my wife’s Roth IRA with any extra money that we have given that our federal marginal tax rate is 22%? Wife’s Roth IRA. This is a no-brainer. Note that if you’re concerned about paying taxes now by putting money in a Roth i...
by Compound
Mon May 07, 2018 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 6442

Re: Resignation letter

If she really can’t stomach working the previously agreed upon four weeks (which is truly what I think she ought to do), how about submitting a new letter of resignation for an end date two weeks away that supersedes the prior one?
by Compound
Mon Apr 30, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17378

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

YES I know what was in the credit report and NO it was not because of debt-to-income ratio. These are the only two reasons I know of for someone needing a co-signer. If you find out what the mystery 3rd reason is please enlighten us. [ quote fixed by admin LadyGeek] Daftinvestor — I think OffTheGri...
by Compound
Sat Apr 28, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Next steps after "basics"?
Replies: 21
Views: 2047

Re: Next steps after "basics"?

Sounds like it’s time to start a taxable account.

Out of curiosity, why would you get earthquake insurance if you’re renting? I’ve heard of homeowners getting it for catastrophic coverage, but haven’t heard of a renter having it. I’ve also heard that it is ridiculously expensive.
by Compound
Sat Apr 28, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Please judge my portfolio and asset allocation
Replies: 5
Views: 775

Re: Please judge my portfolio and asset allocation

Yes, I would rollover the IRA money to Vanguard or other lower cost provider. To get started, consider working a simple plan for the whole portfolio. Many here use the three fund portfolio: https://www.bogleheads.org/wiki/Three-fund_portfolio To employ this, you would indeed exchange the target date...
by Compound
Sat Apr 28, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Short term bonds appropriate for this money?
Replies: 5
Views: 400

Re: Short term bonds appropriate for this money?

An online savings account would probably be a reasonable choice. Ally bank currently offers a 1.5% yield. If you have specific times you plan on withdrawing, you could also consider CDs and get an even better interest rate.
by Compound
Sat Apr 28, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Would you make this financial decision??
Replies: 18
Views: 1624

Re: Would you make this financial decision??

Since your income is temporary, the house you’re looking at seems way too much of a stretch. Either keep renting or look for a more modest home.
by Compound
Tue Apr 10, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Newbie Looking to Get Started
Replies: 15
Views: 1297

Re: Newbie Looking to Get Started

OP — When does your >$100k student loan repayment start? That’s the real albatross here. You have a debt emergency looming and need to get started ASAP. I register your rationalizations for purchases in your responses above, but implore you to look past those responses. Now is the time to get creati...
by Compound
Mon Apr 09, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation & Advice
Replies: 11
Views: 1031

Re: Portfolio Evaluation & Advice

However, I am wondering if I should use the 25k in my brokerage account to purchase an investment property. Any thoughts on that? Can’t say I’m real excited about the idea as outlined. To my mind, the idea of investing in real estate remote to my primary residence is nerve-racking. What if somethin...
by Compound
Mon Apr 09, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Newbie Looking to Get Started
Replies: 15
Views: 1297

Re: Newbie Looking to Get Started

That is a lot of credit card debt! Tackling that should be priority #1. If you haven’t come across him already, Dave Ramsey should be first on your reading list. His get out of debt advice and perspective is generally quite good (with some caveats) when it comes to situations like these. Sell the ca...
by Compound
Mon Apr 09, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Have a question regarding investments in my taxable portfolio
Replies: 8
Views: 457

Re: Have a question regarding investments in my taxable portfolio

I would not be following the advice of your friend. I don't have muni bonds either. I would put bonds in tax-deferred and tax-efficient equity funds in taxable. I don't need any bonds in taxable because all my fixed income asset allocation will fit in my tax-deferred accounts. This. I’d ignore what...
by Compound
Mon Apr 09, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: How Often Do Stocks & Bonds Suffer Concurrent Losses?
Replies: 31
Views: 2966

Re: How Often Do Stocks & Bonds Suffer Concurrent Losses?

Simplegift — thank you for putting together another thought-provoking post. I have more of a question than a comment. You mention TIPS, value stocks, REITs as helping, in real terms, against concurrent stock and bond losses during periods of high inflation. What about carrying debt? Would a substant...
by Compound
Mon Apr 09, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Paying Higher ER with 403(b) Options?
Replies: 11
Views: 345

Re: Paying Higher ER with 403(b) Options?

Here are the options in my current employer 403(b): FID 500 INDEX PR (FUSVX) 0.035% FID US BOND IDX PR (FSITX) 0.045% You could do worse than your preferred combination of these two. Am I reading the tea leaves correctly saying that in order of best to worst ideas would be: 1. Fund the 403(b) and a...
by Compound
Mon Apr 09, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation & Advice
Replies: 11
Views: 1031

Re: Portfolio Evaluation & Advice

Main accounts: Cash - $7,000 401k\IRA - VTSAX (Vanguard Total Stock Market) - $48,000 Roth IRA - VTIAX (Vanguard Total International Stock Market) -$20,000 Taxable -VTSAX (Vanguard Total Stock Market Index Fund ) - $23,000 Crypto (Ethereum) - $3,000 Total: $102,458 2018 investment plan (per month):...
by Compound
Tue Apr 03, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy to Consider Relocating 5 Months after Buying a House?
Replies: 28
Views: 3111

Re: Am I Crazy to Consider Relocating 5 Months after Buying a House?

From a financial perspective, when you bought the house has no bearing on your newly found job opportunity. The housing expenses are now sunk costs. Sure, you may have felt less settled had this opportunity come along 6 months ago, but it simply wasn’t an option then. Now that it is an option, caref...
by Compound
Tue Apr 03, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Changing 403b Investments
Replies: 5
Views: 344

Re: Changing 403b Investments

Hello, I just opened my 403b last year. I started with: 90% Vanguard Total Stock 10% Vanguard Total Bond I was thinking of switching to one of the Vanguard Target Retirement Date Funds to be even more passive about it.The expense ratio is slightly higher but still seems lower than alot of 401k/403b...
by Compound
Sun Mar 18, 2018 5:42 am
Forum: Personal Finance (Not Investing)
Topic: no health insurance as an early retirement strategy
Replies: 30
Views: 2138

Re: no health insurance as an early retirement strategy

I don’t like the plan. There are many health conditions that could strike suddenly and require significant medical intervention in a timely fashion that would be financially crippling if undertaken without insurance or potentially life altering or threatening if not dealt with. For example, coronary...
by Compound
Sun Mar 18, 2018 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Fund 403B or focus on student loans 365K
Replies: 7
Views: 763

Re: Fund 403B or focus on student loans 365K

That is a huge amount of debt. While I find your four year payoff plan commendable, have you considered if you’re eligible for the public student loan forgiveness program?
by Compound
Tue Feb 27, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Buy outright or create new debt
Replies: 45
Views: 2471

Re: Buy outright or create new debt

What’s her rationale for financing the cars? Her rationale is whoever dies with the most money wins. We could have $500,000 sitting in regular savings account and it would make her physically sick to have to take out $3,000 for a new washer and dryer. Been like this for 20 yrs. Wish me luck with co...
by Compound
Mon Feb 26, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help with GIANT interest car loan (28%)
Replies: 44
Views: 5427

Re: Help with GIANT interest car loan (28%)

Two words: Dave Ramsey.
by Compound
Sun Feb 25, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buy outright or create new debt
Replies: 45
Views: 2471

Re: Buy outright or create new debt

What’s her rationale for financing the cars?
by Compound
Sun Feb 25, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Small Personal Loans for Mixed Martial Arts Training
Replies: 34
Views: 2736

Re: Small Personal Loans for Mixed Martial Arts Training

A sales career awaits. Why can't you fund this out of your income? I make $18/HR, and my budget allows for $160 extra per month (plus $50 savings per month). $160 is not enough for membership at these gyms. Most run $200+ at least. Simple put then, you can not afford to do this now. What would the ...
by Compound
Sun Feb 25, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest excess savings?
Replies: 7
Views: 1024

Re: Where to invest excess savings?

HSA (health savings account) first, if eligible. Then taxable. Way to go with the savings during this period of very low expenses!
by Compound
Sun Feb 25, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay down first?
Replies: 30
Views: 1601

Re: Which debt to pay down first?

Some additional information would help narrow the choices. How much money do you plan to use for debt reduction or to put into taxable accounts each month? Will you be itemizing your taxes with the changes in tax law? If so, what is the effective mortgage rate after tax deduction? How much do you d...
by Compound
Sun Feb 25, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay down first?
Replies: 30
Views: 1601

Re: Which debt to pay down first?

No bad choices here. Some additional information would help narrow the choices. How much money do you plan to use for debt reduction or to put into taxable accounts each month? Will you be itemizing your taxes with the changes in tax law? If so, what is the effective mortgage rate after tax deductio...
by Compound
Fri Feb 23, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Need Review Help-New Home buy situation -first time thread
Replies: 10
Views: 694

Re: Need Review Help-New Home buy situation -first time thread

I don’t see any reason to wait to buy. You’re monthly cash flow will only change by $500, allowing you to rebuild your savings or start taxable investing at a $2500/month clip. While it may not work out to exactly that if there are unforeseen housing expenses, it seems as though you have a sizable c...
by Compound
Fri Feb 23, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Priority: Back Door Roth vs Taxable.
Replies: 7
Views: 685

Re: Investment Priority: Back Door Roth vs Taxable.

Why wouldn’t you prioritize the Backdoor Roth? You are already contributing to Roth accounts now on a less substantial income than you will have in the future. The money that had previously gone directly to the Roth will now just get there via a different route. You will therefore only have to find ...
by Compound
Fri Feb 23, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage, plan to pay off ~7-10 years.
Replies: 6
Views: 877

Re: Choosing a mortgage, plan to pay off ~7-10 years.

Consider playing with the calculators here:

https://www.mtgprofessor.com/calculators.htm

I’ve found them very helpful when previously faced with mortgage decisions.

That said, if you’re certain you can pay it off in seven years, go with the lowest interest rate (7/1 ARM).
by Compound
Fri Feb 23, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 16970

Re: Defining "House Poor"

There is no boglehead definition of house poor, just like there is no boglehead definition of 'best asset allocation'. In the end, it comes down to personal preference. Example: Someone who is risk averse might say the best asset allocation is 30:70 stocks:bonds. Someone who is less risk averse mig...
by Compound
Wed Feb 21, 2018 6:00 am
Forum: Investing - Help with Personal Investments
Topic: The Age Old Question: Invest or Pay Down Student Loans
Replies: 8
Views: 612

Re: The Age Old Question: Invest or Pay Down Student Loans

Refi the loans and work on paying them down. Seems like it will be a big uphill battle with the expected income being half the student loan amount. The number one financial priority should probably be career advancement and increasing income. If there is a 401k match, contribute enough to get that.
by Compound
Thu Feb 15, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: 529 vs. student loans vs. taxable account
Replies: 13
Views: 1163

Re: 529 vs. student loans vs. taxable account

I’d probably just pay off the loan in year one. For year 2 and beyond, I’d increase 529 contributions to a level I was comfortable with and put the rest in taxable. Of course you could split the difference across all three right from the start if doing so met your priorities.
by Compound
Mon Feb 12, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Depositing check with 2 names in the "Payee" section
Replies: 11
Views: 1028

Re: Depositing check with 2 names in the "Payee" section

I have never dealt with this type of situation before, but logically can’t you reverse the proposal? By that I mean have your wife’s bank validate the check then send it to MIL for deposit in her bank?
by Compound
Mon Feb 12, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 17933

Re: Number at which to stop worrying

A long time ago I thought that if I had $100k I could quit worrying. When I reached that goal, I discovered that I continued to worry just as much as when I had nothing. So I set out to get a million, but the result was the same. I now have several million dollars and I have finally discovered ther...
by Compound
Sun Feb 11, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Why paying off loans would be better than fully funding 401k?
Replies: 97
Views: 7522

Re: Help with what to do, pay debt, fund 401k, EF? TLH of taxable to fund one of these

You seem to have an affinity for accumulating debt. Although your income is quite large, for some reason it seems you’ve got debt coming from all angles. My suggestion is simple: the focus of your monetary strategy should be on getting out of debt. So yes, sell the taxable funds and pay off the cred...
by Compound
Sun Feb 11, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: 401K Fund Allocations
Replies: 4
Views: 275

Re: 401K Fund Allocations

What about a portion to bonds?
by Compound
Sun Feb 11, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: App for contacts
Replies: 4
Views: 517

Re: App for contacts

If you have an iPhone you could list all this info under “notes” of the contact of one individual in the family. You can then use the search function under contacts to find the info. Should be fairly straightforward.
by Compound
Sat Feb 10, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: Borrow vs Pay Cash
Replies: 24
Views: 1945

Re: Borrow vs Pay Cash

Pay cash. The behavioral aspect if this decision is very powerful here. Sure, you could invest the payoff amount for the car in essentially riskless assets (the appropriate comparison) like a CD ladder that has rates higher than the loan. However, I suspect most people trick themselves into thinking...
by Compound
Sat Feb 10, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Portfolio Review and help moving fwd
Replies: 8
Views: 582

Re: Newbie Portfolio Review and help moving fwd

Looks like you’re off to a good start! I will address several of your questions: 1. Your chosen asset allocation is a bit on the aggressive side. Given a long investing horizon, that’s not a bad idea. Just note that there potential downsides. You may (likely will) have to contend with some major mar...
by Compound
Sat Feb 10, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Google account stolen and I can't recover
Replies: 13
Views: 1579

Re: Google account stolen and I can't recover

Fortunately that was an unused account. Frightening nonetheless. Do you recall your password for that account? Do you think it was simply too weak?