Search found 78 matches

by doon
Thu Feb 15, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2897

Re: Rant about relocation mortgage assistance, and a question

About 5 years ago when I needed a mortgage loan with an s-corp that was only 1 year old, I had to jump through hoops to qualify for jumbo loans. My need was much more modest of $650K. In the end I ditched all the traditional mortgage providers and called a lot of smaller banks with portfolio loan pr...
by doon
Mon Feb 12, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 4501

Re: Can I afford to move to a lower paying career?

I vote Option # 2. - Full time tenure track position. - Will solve health insurance issue for few years. - Add some roth and get some 401k match - Closer to family. - May be its just me but I would be more comfortable with delaying full 3% draw down from the $3.5 Mill. - Teaching can be a ramp down ...
by doon
Fri Feb 09, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Another 4% rule
Replies: 1
Views: 334

Another 4% rule

Another article questioning the 4 % rule. From the article A better approach, Mr. Pfau says, is to avoid looking at your balance and focus instead on saving a consistent amount annually.Mr. Pfau recommends that someone with 30 years until retirement and a portfolio with 60% in stocks and 40% in bond...
by doon
Mon Feb 05, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14508

Re: Vanguard site is crashed now?

Yup! same here....site not working
by doon
Sat Feb 03, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: User friendly, visually appealing Banking option
Replies: 7
Views: 554

User friendly, visually appealing Banking option

I have a bank account with TD for almost 8 years. Recently I called their customer service to find a way to pull my transactions from last 12-18 months as an excel/csv format so that I could look back at my expenses broadly. I was appalled that in this day and age they could not provide me what I co...
by doon
Fri Feb 02, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Are we in an index fund bubble? Bill Ackman thinks we are.
Replies: 45
Views: 3991

Re: Are we in an index fund bubble? Bill Ackman thinks we are.

https://www.zerohedge.com/news/2018-01-22/ackman-fires-18-perhsing-square-including-his-driver-will-focus-investing "After three straight years of losses at Pershing Square in the aftermath of the Valeant fiasco and Herbalife short squeeze which cost the hedge fund a -20.5% loss in 2015, -13.5% in ...
by doon
Thu Feb 01, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Advise on dealing with previous employer
Replies: 6
Views: 616

Re: Advise on dealing with previous employer

I would wait until 2/15 and see. You could send am email and ask for the dollar amount of the retention bonus. Essentially "what will I be paid ?" " What amount was sent to payroll to payroll to process?" No reason to panic right now. Thanks! The dollar amount was specified in the agreement. It was...
by doon
Thu Feb 01, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Advise on dealing with previous employer
Replies: 6
Views: 616

Advise on dealing with previous employer

My DW joined global multinational Firm A in 2015. Within 6 months of joining A another big multinational Firm B took the Firm A over. A lot of firm A members were let go but my DW was given an option to stay on till Dec 31, 2017 to see through the merger & integration and in return they will guarant...
by doon
Tue Jan 30, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: New job offer
Replies: 16
Views: 1368

Re: New job offer

Thank you everyone for the replies. The biggest sticking points for me right now are the very low PTO (IMO, not competitive with peer companies) and no 401k match (again not competitive with peers). While the increased salary would be great, my family is doing fine on the income we currently have, ...
by doon
Mon Jan 29, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire now?
Replies: 50
Views: 6121

Re: Can I retire now?

I tend to be pretty conservative on questions like this, so take this for what it's worth, but I think this is a close one. Drawing 72K inflation adjusted off of 2.5M for 50+ years is close, and should do fine on paper/in calculators. But, I'm a bit uneasy about your 72K number. Medical insurance i...
by doon
Tue Jan 23, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Long Term Use Of A Leveraged ETF
Replies: 32
Views: 2240

Re: Long Term Use Of A Leveraged ETF

Periodic investing, also called dollar cost averaging, is a well known stock buying strategy. An example would be buying equal dollar amounts of a security every month. With such a strategy, you can take advantage of volatility. You buy more when the security is down in price and less when it is hi...
by doon
Tue Jan 23, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Losing job soon but have big nest egg -- problem?
Replies: 20
Views: 2957

Re: Losing job soon but have big nest egg -- problem?

OP - While you are in a very enviable position financially.....from my point of view you are not there to hang up your boots. Take your time to decide on the kind of job you would want to do next. But I would not get complacent as of yet. May be another 10 years or so with a gyration or two in the m...
by doon
Thu Jan 18, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Questions re:home insurace
Replies: 16
Views: 1120

Re: Questions re:home insurace

GEICO does not underwrite its own homeowners insurance. They sell homeowners policies from other companies. Most insurance companies will not allow GEICO to quote their policies, because they don't want to help a competitor. Since most insurance companies will not sell an HO-2, that GEICO policy is...
by doon
Wed Jan 17, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Questions re:home insurace
Replies: 16
Views: 1120

Re: Questions re:home insurace

Hello Bogleheads - I am shopping for home insurance after realizing I was not adequately protected. :oops: Here are the questions I am asking when shopping for quotes. Are there any other items that I should include when discussing quotes. Thanks for your feedback in advance. I am in NJ away from c...
by doon
Tue Jan 16, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Which is the best 529 plan for nj resident?
Replies: 15
Views: 846

Re: Which is the best 529 plan for nj resident?

I have been with UESP too for almost 7 years now. The expense ratios have consistently come down since I joined. They have lot of Vanguard funds and as someone else mentioned a good way to add DFA funds without adviser fee. The only fund I cared for from DFA was DFA US Small Cap Value Portfolio as t...
by doon
Sat Jan 13, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Questions re:home insurace
Replies: 16
Views: 1120

Re: Questions re:home insurace

dm200 wrote:
Fri Jan 12, 2018 11:01 am


I used the replacement cost calculator with my State farm agent.

What do you mean "cash out" option?
It means that the your insurance policy will give you money (equivalent dwelling value) instead of having to re-build at the same location in case of complete damage.
by doon
Fri Jan 12, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Questions re:home insurace
Replies: 16
Views: 1120

Questions re:home insurace

Hello Bogleheads - I am shopping for home insurance after realizing I was not adequately protected. :oops: Here are the questions I am asking when shopping for quotes. Are there any other items that I should include when discussing quotes. Thanks for your feedback in advance. I am in NJ away from co...
by doon
Wed Jan 03, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Wireless Ability for Surround Sound Rear Speakers
Replies: 11
Views: 760

Re: Wireless Ability for Surround Sound Rear Speakers

I'm not sure what your cut-off for "inexpensive" is, but this works well for me: https://www.bestbuy.com/site/rocketfish-universal-wireless-rear-speaker-kit-black/8275528.p?skuId=8275528 I have been using one of these for several years without issue. But note that it is not completely wireless. It ...
by doon
Tue Dec 12, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 1778

Re: Progressive Insurance

I been with progressive for a while almost 9 or 10 years. I am a diamond customer or something like that. I had two major accidents (one was total of an old car and other was 10-12 k payment for repairs and liability claims). Did not have any issue with claims or repair work. I also have home insura...
by doon
Thu Dec 07, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Work from Home Jobs
Replies: 21
Views: 2971

Re: Work from Home Jobs

How do people find work from home type jobs. The reason for asking here is to help my wife. She is not much of a driver, only drives for things which are in 10 mile radius and she never steps on highways. She has over 15 years of Java programming experience in various industries, automation, health...
by doon
Thu Nov 30, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5496

Re: Safest roomy luxury suv?

Hi all, We’ve been driving a 2003 Toyota Camry for a long time, but are ready to upgrade to a new car. We’ve already decided we will buy new. And we want a roomy SUV. And we’d like it to be as safe as possible. We’re considering things in the range of BMW X5, Porsche Cayenne, etc. Any recommendatio...
by doon
Wed Nov 29, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Open a 401k in 2017? Or wait for 2018?
Replies: 7
Views: 420

Re: Open a 401k in 2017? Or wait for 2018?

OP, Do you have an income from your business? When you say IRA for the last few years, is it a pure IRA or a SEP or SIMPLE IRA? I am just curious as to why your accountant didnt suggest this till now (for this year or for previous years if applicable). +1. If it is traditional IRA then you can stil...
by doon
Tue Nov 28, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 3132

Re: Wifi speakers-SONOS vs Echo/Google Home

Do you need multiroom? I'm happy with my Sonos equipment, but if I were buying now I'd get a pair of powered bookshelf speakers and a Chromecast Audio. +1. I came close to buying Sonos because it is amazing, but also amazingly costly. I have 5 bookshelf speakers with 5 chrome cast audios. The total...
by doon
Tue Nov 21, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Year end windfall and job loss
Replies: 16
Views: 2563

Re: Year end windfall and job loss

Hey, OP. You've gotten good advice. Take care of your wife and family as you go through this. It can be emotional and a bit of a roller coaster, even when it goes well. Very true both regarding the advice but also about the whole emotional aspect on job loss and change. Esp. in this case she was a ...
by doon
Tue Nov 21, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Unexpectedly in the housing market--should we buy this house or wait?
Replies: 29
Views: 3476

Re: Unexpectedly in the housing market--should we buy this house or wait?

Our situation is as follows: Family: Spouse and I, 34/34 + 10 month-old. Tentative plan for 1-2 more children in next few years. Current living situation: ($2200 / mo) Renting 4 br/3 ba townhouse, no yard, otherwise very happy with the rental. Lease runs through July 31, 2018. Jobs: Gross combined ...
by doon
Tue Nov 21, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Year end windfall and job loss
Replies: 16
Views: 2563

Re: Year end windfall and job loss

Assumptions - over a million in investible assets (retirement + taxable), no debt except mortgage (if I pay off personal loan), 3 month emergency fund. It will take about 4-6 months to find a new job ( May/June 2018) How did you arrive at the 4 - 6 month estimate for her to find a new job? How long...
by doon
Mon Nov 20, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Year end windfall and job loss
Replies: 16
Views: 2563

Re: Year end windfall and job loss

I thought I provided the info in assumptions. However here are some additional details Missing info: How easy is it for your spouse to find a new job? 4-6 months i.e May/June 2018 Can you more than support your normal expenses on just your income? Yes but no savings are possible If it's easy to get ...
by doon
Mon Nov 20, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Year end windfall and job loss
Replies: 16
Views: 2563

Year end windfall and job loss

End of the year 2017 we are expecting about 200 K before tax which will be a combination of bonus, vested RSU's, ESPP & severance. Unfortunately my DS will also lose her job on Dec 31st. We have about 100 K in personal loans ( 80 K at 8.5 % and 20 K in 6.5%). This personal loan was a one off situati...
by doon
Wed Nov 01, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: 28-Inheritance Investing + 401ks
Replies: 5
Views: 810

Re: 28-Inheritance Investing + 401ks

You are too cash heavy given your age. I would put all that into the market except the 6-8 month emergency cushion. You should probably think of converting your inherited IRA into Roth if you have are in between jobs when you relocate and when your income may be low. The allocation looks okay given ...
by doon
Wed Oct 25, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Who's got too much RE in India ??. Time to cash out??
Replies: 31
Views: 3247

Re: Who's got too much RE in India ??. Time to cash out??

OP - What is your plan after 55? Do you mind retiring in India? May be its too late to buy a house in US. Wait for kids to go to college (another 5-7 years) and with current US assets and RE in India should be a good retirement plan. Over time you can diversify out or RE. If you plan to retire in US...
by doon
Tue Oct 24, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Another 2 comma club member
Replies: 4
Views: 1218

Another 2 comma club member

Dear Bogleheads, Last night my portfolio tracker indicated that I am oficially in 2 comma club. It had been howering in $990's for a while but when I included the new contributions and updated prices in my spreadsheet it put me way over a million. This is investible assets and not net worth as I hav...
by doon
Wed Aug 09, 2017 7:22 am
Forum: Investing - Theory, News & General
Topic: Good article about having the "RIGHT" asset allocation
Replies: 27
Views: 3993

Good article about having the "RIGHT" asset allocation

Now is the time to engage in honest soul-searching about your commitment to buying and holding. If you don’t really have what it takes to stick to that strategy through a bear market, you should reduce your equity exposure to a level you would be willing to stick with through a major decline. How b...
by doon
Mon Aug 07, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 4654

Re: Bose Noise Cancelling Headphones

OP - I have been using them (QC35 ) for last 6 months almost daily during my commutes and I can't say enough good things about it. Like other mentioned the sound quality could be better. But noise cancelling is pretty amazing. Most of the time I just have them on with no audio to drown out external ...
by doon
Thu Jul 13, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 11831

% bogleheads of overall population

This article got me thinking.... Just 10 percent of employees set aside enough to hit the employee contribution limit during 2016, down from 13 percent who did the year before, according to Vanguard's "How America Saves 2017" report, released earlier this summer. Those who max out tend to be older a...
by doon
Wed Jun 07, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Higher salary, but lower employer 401k match...still OK?
Replies: 34
Views: 2897

Re: Higher salary, but lower employer 401k match...still OK?

OP - Even though you about 2 K due to lower match ( $7600 vs. $5600 in new job) a lot of other things are associated with your base such as bonus percentage, ESPP and future raises. So lower match is a small price to pay for losing some 401k match Ignore above comments. Looks like current employer ...
by doon
Fri Jun 02, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Objectively assess my situation
Replies: 20
Views: 1826

Re: Objectively assess my situation

@Klangfool - Planning to work for additional 20 years at the least. As Grt2bOutdoors mentioned the tax burden is higher than 100K because of HCOL, state taxes, as well as property taxes. Not to mention 3.8+0.9 for ACA & medicare. So there is an upper limit to saving percentage. @ J295 - I guess rent...
by doon
Thu Jun 01, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Objectively assess my situation
Replies: 20
Views: 1826

Re: Objectively assess my situation

OP, In order to assess your situation, I would need to know A) Your age. B) Immigration status. C) Annual saving rate. KlangFool A) 40 B) Perm Resident C) 30-35%. Done better in good years. doon, 30-35%. Is that before or after tax? What is the actual amount? 100K? KlangFool usually 70-90 k. It is ...
by doon
Thu Jun 01, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Objectively assess my situation
Replies: 20
Views: 1826

Re: Objectively assess my situation

KlangFool wrote:OP,

In order to assess your situation, I would need to know

A) Your age.

B) Immigration status.

C) Annual saving rate.

KlangFool
A) 40

B) Perm Resident

C) 30-35%. Done better in good years.
by doon
Thu Jun 01, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Objectively assess my situation
Replies: 20
Views: 1826

Re: Objectively assess my situation

I don't like seeing the $107K of high interest personal loans. Make it a priority to pay those off. You say the $900K includes, along with the tax deferred, some taxable investments. If those don't have capital gains or have only small capital gains, perhaps sell some of those off to pay off the $1...
by doon
Thu Jun 01, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Objectively assess my situation
Replies: 20
Views: 1826

Objectively assess my situation

I have been thinking of making this post for a long time because even though I strongly believe in boglehead philosophy, when I look at my overall picture I seem to have gone off-track from that philosophy. Even though I feel I could have bought a cheaper home with smaller mortgage or avoided that h...
by doon
Thu Jun 01, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: 401 k Funds
Replies: 9
Views: 720

Re: 401 k Funds

Also - for the "$10K After tax" what advantage do you see with putting this into your employers plan? I am checking on this with HR but they allow in-service distribution on the after tax component (10 K part). This is based on my reading of plan documents. I am confirming this with Benefits team. ...
by doon
Thu Jun 01, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: 401 k Funds
Replies: 9
Views: 720

Re: 401 k Funds

Also - for the "$10K After tax" what advantage do you see with putting this into your employers plan? I am checking on this with HR but they allow in-service distribution on the after tax component (10 K part). This is based on my reading of plan documents. I am confirming this with Benefits team. ...
by doon
Wed May 31, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401 k Funds
Replies: 9
Views: 720

401 k Funds

I have recently joined a new employer where 401 k is provided by empower. My first impressions are that the fund choices are not that great except 2 or 3 index funds with low expense ratios. I plan to contribute max $18 K pre-tax per year + $10 K employer match + $10 K after tax (max after tax allow...
by doon
Fri Mar 10, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple job offers
Replies: 36
Views: 3693

Re: Multiple job offers

You should feel zero remorse for telling Firm_A that you have decided to join Firm_B. But absolutely make sure you have a firm/written offer from Firm_B in your hand before telling that to Firm_A. If needed, stall Firm_A. I have been through this type of "hang in there" for weeks after getting a ve...
by doon
Thu Mar 09, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple job offers
Replies: 36
Views: 3693

Re: Multiple job offers

I am not sure if I understand how Firm A "rescinded" the offer. That makes no sense to me. Are you telling us that Firm_A made you an offer and then called you back saying "oops"? And then again they made another offer to you?? Something is not computing with the sequence of events as you have desc...
by doon
Thu Mar 09, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple job offers
Replies: 36
Views: 3693

Re: Multiple job offers

... Firm A came to me with an offer a month ago and when they saw my current compensation, they rescinded the offer. Basically they had two candidates (including me) that they liked. Apparently they liked both the candidates equally and went with offering the candidate who was ready to work for les...
by doon
Thu Mar 09, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Multiple job offers
Replies: 36
Views: 3693

Re: Multiple job offers

Thanks for all your responses. This was very helpful. I was anyways leaning towards going with Firm B with a polite refusal to Firm A. Ultimately this is a business decision and I am pretty sure that Firm B will be done with formal offer, background etc before I even start at Firm A. Financially it ...
by doon
Wed Mar 08, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple job offers
Replies: 36
Views: 3693

Multiple job offers

I been in the job market for a few months and finally had an offer (Firm A) last week which I gladly accepted. I am in the process of starting background process etc. However I just heard from another recruiter (Firm B) that they are looking to make an offer which is at least 10 K better that the pr...
by doon
Mon Mar 06, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Sonos Wireless sound?
Replies: 19
Views: 2286

Re: Sonos Wireless sound?

I came close to buying Sonos but decided against it as soon chromecast audio came to the market last year. https://store.google.com/product/chromecast_audio Its a boglehead way to whole house sound system. I have 5 chromecast audio connected to 5 under $100 speakers and I can play music, radio, yout...
by doon
Wed Jun 01, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Possible issues with contractor - driveway
Replies: 13
Views: 1808

Re: Possible issues with contractor - driveway

How soon after the driveway was paved did you drive your car over the surface? How much in base (what kind was it?) was placed down on the subsurface? What type of asphalt and how much in inches was placed on top of the subsurface? It's not normal to see the damage you are seeing, unless either sub...