Search found 868 matches

by Afty
Tue Jan 15, 2019 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Invest for larger expenses?
Replies: 12
Views: 634

Re: Invest for larger expenses?

We use our e-fund for those kinds of expected but lumpy expenses. We don't bucket or save specifically for those things.
by Afty
Tue Jan 15, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 87
Views: 6514

Re: Child # 3 - seeking advice from older members

Like some of the other posters, we stopped at 2 mostly because of sleep. Our 2 kids were both terrible sleepers as babies, and we just couldn't bring ourselves to get back onto that treadmill. We do sometimes think about having a third, but life with 2 is pretty wonderful as it is.
by Afty
Mon Jan 14, 2019 2:12 am
Forum: Investing - Theory, News & General
Topic: How to avoid temptation to buy hot stocks or bitcoin?
Replies: 63
Views: 4210

Re: How to avoid temptation to buy hot stocks or bitcoin?

Buying hot stocks is a great way to buy high. We’re supposed to be buying low, remember?
by Afty
Sun Jan 13, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2677

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

I had to have one of my TPMS sensors replaced. I recall the battery died or some other fatal failure that cost me close to $105 for parts/labor. I was not happy; however, I had to replace it to clear the error code. Of course, i could probably buy a code reader and clear the code myself. Clearing t...
by Afty
Sat Jan 12, 2019 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 3606

Re: Stay in private practice medical or take VA job offer?

My mom made this move when she was around 50. I don’t get the impression she was very happy at the VA. She complained a lot about the politics, and eventually become the department chief, and then was demoted from department chief when she didn't play the political game well enough. Her workload see...
by Afty
Wed Jan 09, 2019 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: High Income for First Time, Kid on the Way, and I'm Overwhelmed with My Options (Long)
Replies: 33
Views: 2128

Re: High Income for First Time, Kid on the Way, and I'm Overwhelmed with My Options (Long)

I'd caution that your new baby may throw a giant wrench in these plans. Priorities change once that first little one comes along.

Also agree with the others on daycare -- I don't see a line item for that in your budget?
by Afty
Tue Jan 08, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2535

Re: I bought a new iPad on sale...should I have?

I love my iPad, and $229 is a hell of a price. Keep it and try it out. If you end up not using it much, you should be able to sell it for close to your purchase price even a year from now. I've had iPads all the way back to the iPad 2 in 2011. I use mine for web browsing, Facebook, FaceTime, Netflix...
by Afty
Mon Jan 07, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2677

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

I have a 2 yr old Chevy Malibu, got recently wondering about sensors, that is tire pressure sensors. I saw correct pressures on the car's display, then a dealer's free service created low pressure by 3 psi on rear tires, and now noticed that the display shows low pressure for front tires whereas th...
by Afty
Sat Jan 05, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat or justify lifestyle creep
Replies: 77
Views: 5852

Re: Strategies to combat or justify lifestyle creep

I think hard about expensive purchases like a car, but allow myself to splurge on small luxuries. Not buying a $50k car would sure pay for a lot of flight upgrades or meals out or new cell phones. I think it’s fine to let your lifestyle inflate a bit as long as you don’t start justifying tens of tho...
by Afty
Fri Jan 04, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2677

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

I got hit with the same line when buying a Hyundai. Plus they tried to convince me to buy an extended warranty because the newer cars have many more computers than the older ones. I’ll take my chances and warranty it myself. +1 A large profit center in most car dealerships is the finance and insura...
by Afty
Fri Jan 04, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Build EF or Max Tax-Advantaged Space?
Replies: 12
Views: 692

Re: Build EF or Max Tax-Advantaged Space?

When you say "max tax-advantaged space," what do you mean? Which spaces are you contributing to, and which ones are you maxing/not maxing? Are you at least getting your employer matches? How much less would you contribute to tax-advantaged space if you took option 3? I assume it's not all or nothing...
by Afty
Thu Jan 03, 2019 4:24 pm
Forum: Investing - Theory, News & General
Topic: Stocks and bonds BOTH down in 2018
Replies: 16
Views: 1116

Re: Stocks and bonds BOTH down in 2018

It's hard for me to get worked up over a -0.13% decline in bonds. Let's say you have a $1M portfolio and 25% bonds. Your bonds lost $325 last year. That's virtually unnoticeable.
by Afty
Thu Jan 03, 2019 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6133

Re: Delaying retirement just to help adult children

I obviously don't know your brother and SIL, so forgive me if I'm way off base. But given that their kids have not expressed any want or need for their money, I wonder if they may be rationalizing a decision they've already made to continue working (for whatever reason).
by Afty
Mon Dec 31, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2879

Re: Thoughts on the new Maxima?

I was/am a Nissan fan, but I wouldn't buy a Maxima these days for all the reasons stated in this thread. If I were in the market for a sporty 4-door, I would look at the following: VW GTI Honda Civic Si or Type R Honda Accord 2.0T Kia Stinger Genesis G70 If you really want to stay with Nissan, I wou...
by Afty
Fri Dec 28, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 1k check for 9 month old son?
Replies: 44
Views: 2941

Re: What to do with 1k check for 9 month old son?

We did the UTMA route through Vanguard. When we receive checks for the kids, we mail them to Vanguard with a deposit slip. I have them invested in LifeStrategy Growth, but if I had it to do over again I would use Total Stock Market for tax efficiency.
by Afty
Thu Dec 27, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Do Hertz/Avis really cost double Enterprise?
Replies: 58
Views: 3270

Re: Do Hertz/Avis really cost double Enterprise?

There have been a number of posts where Bogleheads have noted that Costco Travel has the best rates for rental cars. There is also no extra charge for a second driver. In addition, if you are an executive Costco member, I believe it qualifies for the 2% rebate. +1. I'm driving a Costco-rented car r...
by Afty
Mon Dec 24, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: I believe I underestimated my risk tolerance
Replies: 35
Views: 4715

Re: I believe I underestimated my risk tolerance

2008 felt very different. Banks were failing left and right, AIG failed, and there was talk of us entering another Great Depression. I wouldn't judge your risk tolerance based on how you feel right now.
by Afty
Sat Dec 22, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2575

Re: Expensive Colleges - Investment Worth It

I started writing a long post about my experience at a top college, but I can sum it up with: I have mixed feelings about it, but in the end, if I had it to do again, I would do it the same way. I agree that salary is not the only metric that matters. It would be a pretty boring world if everyone ju...
by Afty
Sat Dec 22, 2018 2:11 am
Forum: Personal Finance (Not Investing)
Topic: How market timing will go wrong?
Replies: 62
Views: 3895

Re: How market timing will go wrong?

Hi, I want to adhere to the BH philosophy of staying the course and not trying to time the market. I currently maintain a Three-Fund Portfolio in 401k. But for my understanding and education, I'd like to ask something. What will go wrong with, or what are the flaws with, or why the following is a b...
by Afty
Wed Dec 19, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19420

Re: I made a mistake by not selling when the market was high this year

To quote David Stockman, ‘ the mother of all yield shocks is coming ‘ oh no, not David Stockman again. That guy has been predicting doom since 2005 :oops: Man, this guy is over the top. 2013: "Sooner or later — within a few years, I predict — this latest Wall Street bubble, inflated by an egregious...
by Afty
Wed Dec 19, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Settlement issues and inherited IRAs
Replies: 37
Views: 1557

Re: Estate Settlement issues and inherited IRAs

3. I have an account with this same financial advisor (only about 130k in there between an IRA and standard brokerage account). The guy charges me an obscene 1.5% for active management of the IRA. I have thought about moving my money to Vanguard or Scottrade and managing it myself, but I am a bit n...
by Afty
Tue Dec 18, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Non-budgeters: How do you handle large purchases?
Replies: 47
Views: 3536

Re: Non-budgeters: How do you handle large purchases?

I'm not sure I would recommend the way we do things, but I am happy to describe it and am curious what others do. We do rely on a large cash hoard to buffer large expenses. We generally decide what we want to do, and then do it without much regard to its effect on our savings. We generally make deci...
by Afty
Sun Dec 16, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Fitness tracker for runner
Replies: 13
Views: 1065

Re: Fitness tracker for runner

Why don’t you want GPS? I've had various GPS running watches for the last 10 years and couldn’t get by without it. The Garmin Forerunner 235 would meet your requirements except that it does have GPS. It does have a lap button and a separate start/stop button. Some competing devices only have a touch...
by Afty
Fri Dec 14, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: 529 with a Windfall
Replies: 22
Views: 1712

Re: 529 with a Windfall

My state has a maximum $20K deduction per year. We contributed $100K (in 2011) to fully fund our son's 529. We then took $20K deductions over the next 5 years. You might check to see if your state's plan allows you to do something similar. We did have to file a gift tax return in 2011, but no money...
by Afty
Fri Dec 14, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19501

Re: Favorite Purchase of 2018?

I put together a 5.1 home theater system this year. I researched all the components and slowly put it together piece-by-piece, looking out for sales, scouring Craigslist, etc. The key part was hiring a professional to run speaker wires in the wall and mount the TV and rear speakers. I never would ha...
by Afty
Fri Dec 14, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Starting fund for 2 year old
Replies: 10
Views: 635

Re: Starting fund for 2 year old

Consider a UTMA account. I have UTMAs for each child for exactly this reason, to deposit gifts from relatives and invest the funds. Note that with a UTMA, the funds are legally your child's, you can only use them for the benefit of your child, and they pass out of your control at age 18 to 21 depend...
by Afty
Thu Dec 13, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Being locked out of my account and "research team" will contact me in 72 hours
Replies: 33
Views: 4032

Re: Being locked out of my account and "research team" will contact me in 72 hours

Better yet: switch to a password manager and generate a different random password for each site
by Afty
Mon Dec 10, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Made an unwise investment, help solicited
Replies: 41
Views: 3577

Re: Made an unwise investment, help solicited

So I probably should have cost averaged into this account instead of all at once. Mistake one. Mathematically this wasn't a mistake. Only in hindsight it was. It is generally better from a return standpoint to be in the market as soon as possible. Stocks go up more often than they go down. So while...
by Afty
Tue Dec 04, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: Refusing to pay rent until maintenance is performed
Replies: 16
Views: 2255

Re: Refusing to pay rent until maintenance is performed

It’s location specific. Here’s an example of the law in CA, which allows withholding rent under certain conditions: https://www.nolo.com/legal-encyclopedia ... educt.html
by Afty
Tue Dec 04, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?
Replies: 11
Views: 843

Re: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?

Personally I would go from 2 to 2.1 to 3.1 and probably stop at 5.1. As far as spending, I tend to cheap out ($500) on AVR's because they can be outdated in a few years. With the speakers I tend to spend more. Right now I have 20 year old speakers and a 10 year old sub that all sound amazing. when ...
by Afty
Tue Dec 04, 2018 2:10 am
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3383

Re: Pixel 3 early adopters: any feedback?

I got micro scratches on the screen of the last phone I used without a screen protector, an IPhone 4s from 2011-2013. I also previously had a refurb Pixel which had micro scratches from the previous owner, so this does seem to be a problem even with modern Gorilla Glass. I see no downside to protect...
by Afty
Sun Dec 02, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3383

Re: Pixel 3 early adopters: any feedback?

One problem I came upon is most tempered glass screen protectors don't fit properly, since Google has now gotten rid of the edges of the screen (it's now a 5.5" instead of 5" for the pixel in the same sized phone), so the old 2-3mm border on the side that was outside of the lit screen is now part o...
by Afty
Sun Dec 02, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Personnel turnover in Vanguard Personal Advisory Services
Replies: 22
Views: 2219

Re: Personnel turnover in Vanguard Personal Advisory Services

I have not had this experience. I've had the same PAS advisor since signing on in 2014. PAS has been around that long? Wow time flies. So you don't mind paying the 30 bps? I'm on the fence about the 30 bps. I started using PAS because I was transitioning away from Merrill Lynch, and it was super he...
by Afty
Sun Dec 02, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Personnel turnover in Vanguard Personal Advisory Services
Replies: 22
Views: 2219

Re: Personnel turnover in Vanguard Personal Advisory Services

I have not had this experience. I've had the same PAS advisor since signing on in 2014.
by Afty
Sun Dec 02, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5299

Re: Do you get a year end bonus?

I'm a software engineer, and we have a bonus target, a percent of our salary, as part of our role and level description. That is, if you meet expectations in your performance review, you get at least that much. I started at 15% and was promoted this year to a level where the target is 20%. We'll fin...
by Afty
Fri Nov 30, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas for this January
Replies: 14
Views: 937

Re: Vacation ideas for this January

How about San Diego? Weather is wonderful, and many great places to run: https://medium.com/great-runs/great-run ... 3c94bc9fa0
by Afty
Fri Nov 30, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4621

Re: How do Bogleheads justify taking vacation?

I think there is something to routine-oriented people not enjoying vacations. My dad was this way. When we went on family vacations, my mom would want to explore while my dad would just want to sit in the hotel room and watch TV. Dad was perfectly happy to sit around the house though. After he retir...
by Afty
Thu Nov 29, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Additions to S&P-500 to emulate total US market index
Replies: 8
Views: 788

Re: Additions to S&P-500 to emulate total US market index

Do you have access to the Vanguard Extended Market Fund? Its purpose is to complement the S&P 500 to emulate the total market.
by Afty
Tue Nov 27, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7540

Re: Employeer taking vacation days on public holidays - is this legal or normal?

This change in policy is effectively taking away PTO days from the physicians. If your wife wants to argue with the owner about it, I would start there. Another possibility is to get all 3 physicians together to push back against the new policy. The nuclear option is just to leave.
by Afty
Tue Nov 27, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3496

Re: How do value the cost of commuting?

Why do you want a new job? Are there non-financial reasons, i.e. learning new skills, better opportunities for growth, better career satisfaction? Or is it mostly because you're underpaid?
by Afty
Mon Nov 26, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6285

Re: Broken Sewer pipe - $10,000 to fix

Do you have a home warranty? That might cover it.
by Afty
Fri Nov 16, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: Withhold-to-Cover method for RSU grant
Replies: 10
Views: 744

Re: Withhold-to-Cover method for RSU grant

The company I work for also uses "withhold to cover," but it returns the difference between taxes due and the value of the shares withheld to us as cash in our paycheck. I'd expect your company to do the same; it seems unlikely they could legally just pocket the difference. I would try to clarify i...
by Afty
Thu Nov 15, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Withhold-to-Cover method for RSU grant
Replies: 10
Views: 744

Re: Withhold-to-Cover method for RSU grant

The company I work for also uses "withhold to cover," but it returns the difference between taxes due and the value of the shares withheld to us as cash in our paycheck. I'd expect your company to do the same; it seems unlikely they could legally just pocket the difference. I would try to clarify it...
by Afty
Wed Nov 14, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Enjoying Your Work
Replies: 27
Views: 3504

Re: Enjoying Your Work

Personally, I do find fulfillment in my work. It's interesting and there are always new challenges. I like the people I work with, and I feel our work has impact not just on our company but also in the wider world. There are certainly parts of my day-to-day that I don't like, but on the whole I enjo...
by Afty
Wed Nov 14, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4663

Re: Accuracy of Zillow/Trulia/Redfin Estimates

The Zillow/Trulia/Redfin numbers you posted look pretty good when you consider that they were created by an algorithm, based only on public data, and posted for free on the Internet.
by Afty
Sun Nov 11, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3736

Re: International Travel during Maternity/Paternity

You are only trying to scam your paternity maternity leave into something other than it was intended. Don't be selfish. I strongly disagree. The purpose of paternity leave is to bond with your child and support your partner. It's not "scamming it" to do that on a trip. I only take issue with the fe...
by Afty
Sat Nov 10, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3736

Re: International Travel during Maternity/Paternity

I’ll echo the horror stories in this thread. Our first child was colicky and didn’t sleep for more than 2-3 hours at a stretch until she was 1. When she wasn’t sleeping, she was screaming. She also wouldn’t nap unless she was lying on you; our baby carrier was the only thing keeping us from going in...
by Afty
Fri Nov 09, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4903

Re: Calculating ROI for PhD

Computer science is another buyer's market. Is it? I recognize there are hot fields. If you have a PhD in AI from Carnegie Mellon then you can write your own ticket. I think Google hired the entire U of Toronto AI research lab? But, overall, the number of CS undergrad majors is something like half ...
by Afty
Thu Nov 08, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for bonus without knowing amount?
Replies: 32
Views: 1937

Re: How to plan for bonus without knowing amount?

I just save my bonus. I don't splurge with any of it, and I don't feel any real excitement when I receive it. I just think of it as part of my compensation.

Am I the most boring person on Bogleheads??