Search found 648 matches

by haban01
Mon Apr 16, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 6277

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

I did see this segement last night. Very scary with piss poor management that discourages pilots from recording maintenance repairs and issues. I do not plan to every fly them. :greedy
by haban01
Sun Apr 15, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 251
Views: 37952

Re: Is there a such thing as a blue collar Boglehead?

35 years old, Bottling Line Operator for a microbrewery making $32,000 a year not counting optional overtime during our busy season. I tried taking classes at a community college (wanted to be a history teacher) and was an honor student...except for math. Gave up after failing Probably & Statistics...
by haban01
Sun Apr 15, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 251
Views: 37952

Re: Is there a such thing as a blue collar Boglehead?

I’m a blue collar Boglehead. Licensed electrician by trade, worked as an installer, electrical inspector and project manager. I love the last comment about "skilled trade" inside joke in the trades. I’m not sure people on this site realize the money you can make in the higher paid trades such as, E...
by haban01
Sat Apr 07, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 14288

Re: What is your AA, given your age? and, Why?

Mid 30's with a 75/25 Stock to Bond Ratio. US vs. Int split also about 70/30. Conservative at my age due to highly economically sensitive career and young family so to have options in case things go bad. Have steadily invested and increased the course through two Bear Markets.
by haban01
Wed Mar 28, 2018 4:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 22066

Re: A lot of heavy hitters this morning

munemaker wrote:
Wed Mar 28, 2018 10:18 am
Jack FFR1846 wrote:
Wed Mar 28, 2018 10:14 am
On my lunchtime walk yesterday, I found a dime in the parking lot.
I went to Aldi's and some rich person left a quarter in the cart. I could have paid it forward but I pocketed it instead.
I had that happen on Sunday. I paid it forward to a little person too :)
by haban01
Mon Mar 19, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 84
Views: 13922

Re: Dave Ramsey spends two segments on his investing advice

Growth, Aggressive Growth, Growth and Income, and International. Lol :moneybag
by haban01
Sun Mar 04, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Low risk tax efficient short term investment - is it Wellesley
Replies: 13
Views: 1343

Re: Low risk tax efficient short term investment - is it Wellesley

Wellesley is NOT a low risk, tax efficient investment. Asset Allocation should be the main driver. How much in stocks vs. Bonds rather than throwing a fund name out there as recommendations. Great fund and AA with a longer term time frame as mentioned above. Could be huge tax issue as well dependin...
by haban01
Tue Feb 27, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 10133

Re: AAPL, AMZN, or GOOG?

VTI

VTI

VTI

Skip the individual company risk.
by haban01
Tue Feb 27, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey over simplifying Roth vs. Traditional IRA?
Replies: 103
Views: 12459

Re: Dave Ramsey over simplifying Roth vs. Traditional IRA?

Roth vs. Trad is situational not a one-size fits all, the problem is Ramsey wants everything one-size fits all so it's easier for his radio show and personalities to be consistent with their advice. He says Roth is ALWAYS better unless you're already in your 60-70's where it won't matter much eithe...
by haban01
Sat Feb 24, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: To HSA or not?
Replies: 8
Views: 831

Re: To HSA or not?

Yes. You will blow up the $4500.00 deductible to start. What is the copay after that and then max out of pocket. Everything in healthcare is going up. If the premium is significantly less it may make sense if you then max out the HSA. The 500 deductible is almost unheard of today. I figure baby 2 is...
by haban01
Thu Feb 22, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Time for twins to go to daycare
Replies: 38
Views: 3032

Re: Time for twins to go to daycare

Congratulations on the twins!! Twice the fun. This may sound harsh. You have had nine months and how many months of maternity leave to prepare for daycare expenses and you are asking a week out how to afford it? I know certain couples do this, split housing expenses and bills amongst themselves but...
by haban01
Wed Feb 07, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Organization - 33 yo - need advice
Replies: 20
Views: 2349

Re: Investment Organization - 33 yo - need advice

Congratulations on getting started down a great path! The biggest decision to overcome in one of our Asset Allocation plan over all if your accounts. I prefer to keep Retirement as it's own AA and not lump in other unrelated goals. I would assume that the My Retirement Fund 2050 is a lifestage fund ...
by haban01
Mon Feb 05, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: The Money Show - Coming to a Town near you
Replies: 13
Views: 1793

Re: The Money Show - Coming to a Town near you

Years ago, when Jack Bogle was the keynote speaker at the Money Show in Orlando, the Money Show folks invited us to have our Bogleheads group attend. Since it was on rather short notice, we made it an "unofficial" Bogleheads Conference, and thus isn't included in the official Bogleheads Conference ...
by haban01
Thu Feb 01, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Updates...
Replies: 16
Views: 2914

Re: Social Security Updates...

Excellent feedback from all :). I will pass it along!
by haban01
Wed Jan 31, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Updates...
Replies: 16
Views: 2914

Re: Social Security Updates...

Yes it was regarding their website and couldn't find any answer.
by haban01
Wed Jan 31, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.
Replies: 76
Views: 12800

Re: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.

Great posts and comments everyone. This year we will be going from one to 2 children so that would change our scenario too. That was the first thing that crossed my mind and was corrected and verified above is that you need to have that tax due to recieve the credit. Lets say someone would loosr out...
by haban01
Wed Jan 31, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Updates...
Replies: 16
Views: 2914

Social Security Updates...

I had a friend of mine asking about delaying benefits from the earliest date 62 to say 67 FRA. They asked if they update the benefit amount each month after 62. I did a search and came up empty handed so I turned to our group. :mrgreen:
by haban01
Tue Jan 30, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: Wow: Shiller PE is 34.52
Replies: 52
Views: 7016

Re: Wow: Shiller PE is 34.52

I had on moneytalk with Bob Brinker over the weekend. He thinks Shillers methodology is completely flawed using the 10 year average. In the end someone will be right, we just don't know who :)...
by haban01
Tue Jan 30, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 9737

Re: How much have kids added to your personal finance/expenses?

Throughout our child's life (getting close to three years now), she has added an average of about $200 monthly. My wife stays home with her, so we avoid all childcare expenses entirely, it only cost us about $20 more to add her to our health insurance, she doesn't eat much more, and diapers aren't ...
by haban01
Sat Jan 27, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 7299

Re: Your bond allocation when you were 48

Not to hijack this thread. What are your thoughts on 86/14% for a 37-year-old? Too conservative? Will you get a pension? How much social security can you expect (assuming you can expect it)? What is the size of your overall portfolio and what do you expect your expenses to be in retirement? When do...
by haban01
Sat Jan 27, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Have Enough, Should I now time market?
Replies: 31
Views: 4439

Re: Have Enough, Should I now time market?

There is a good reason why Vanguard Target Retirement Income Fund is 30% Stocks and 70% Bonds going into Retirement. Ability, Willingness and Need to take risk should be factored in.
by haban01
Sat Jan 27, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage with Roth IRA?
Replies: 23
Views: 1931

Re: Pay off mortgage with Roth IRA?

As much as youd love to have it squashed, I would recommend keeping 23k in the bond side so that you always have the option. I feel the same way you do. But I know that interest drag is so small. By prepaying as you are you will have it gone in a few years anyways. Id be more concerned about having ...
by haban01
Sat Jan 27, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: I don't think my lady is very good at saving money, how do I handle?
Replies: 50
Views: 4189

Re: I don't think my lady is very good at saving money, how do I handle?

Mr.Wu wrote:
Sat Jan 27, 2018 5:25 pm
Let her watch Dave Ramsey’ show. I disagree with many, if not most of his opinions but he surely excels at one thing: bashing people not living under their means.
AMEN!
by haban01
Thu Jan 25, 2018 5:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 5633

Re: Happy Birthday, Taylor!

Happy Birthday Taylor! :sharebeer
by haban01
Wed Jan 24, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 10312

Re: Working in the real world

I think you are more of the average normal American in rural midwest where cost of living is more reasonable. Many on the forum are high end professionals living in high cost of living areas. Machinist and skilled trades so I can relate to you. Give all of your education and experience your figures ...
by haban01
Wed Jan 24, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: Question on Vanguard HSA PDF
Replies: 5
Views: 507

Re: Question on Vanguard HSA PDF

The reason is that when you contribute to an HSA through your employer is comes out before FICA taxes so it will reduce the amount shown as SS wages.

A better way is to contribute net money and tax the deduction at year end. :moneybag
by haban01
Sun Apr 17, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Just got married wife has a annuity please help
Replies: 7
Views: 1446

Re: Just got married wife has a annuity please help

I like the idea of moving it to Vanguard to reduce internal expenses. So in theory you could reduce it by 40% to avoid fees and then move the remainder over. Too bad she got taken! :annoyed
by haban01
Sun Apr 17, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 14207

Re: When was the most stressful financial time in your life?

Transitioning from being a SWM Boglehead to Married with family and the costs and risks that comes with it. Healthcare is out if control.
by haban01
Sun Apr 17, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: "Bogle's Folly"
Replies: 28
Views: 6469

Re: "Bogle's Folly"

A few BH reunions ago Gus Sauter talked about the correlations of many Vanguard managed funds vs the indexed equivalent. If my memory serves me correctly Wellington was about 95% correlated to the index. So the manager adding value was not that great.
by haban01
Sun Apr 17, 2016 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Aunt has been investing in collectibles for retirement
Replies: 13
Views: 2558

Re: Aunt has been investing in collectibles for retirement

E Bay is full of fees, shipping, etc. I would try to talk her into a conservative balanced fund with the proceeds!
by haban01
Tue Sep 09, 2014 10:26 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 50096

Re: "Why 97% of People Don't Use 529 College Savings Plans."

529s are a tax break for the rich. The poor get grants and need-based scholarships. The middle class gets some tax credits/deductions. That's why 97% of people don't use a 529. Only the 3% who are rich or plan to become that way use them. If you're not putting away >$2K per year for your kids to go...
by haban01
Sun Aug 31, 2014 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds for young(er) people
Replies: 10
Views: 1415

Re: Bonds for young(er) people

Good Evening, As being a similar age to you, I would like you to focus on the "bit" of bonds as an Asset Allocation question rather than what your breakdown is between say the TIPs, Int BND or TBM. May we ask what your AA is? If you have say an 70% Stock and 30% Bond Allocation and your bond allocat...
by haban01
Tue May 20, 2014 3:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Wisconsin Bogleheads group dead?
Replies: 30
Views: 2987

Re: Wisconsin Bogleheads group dead?

Good Afternoon, The "Yahoo" group worked nicely for awhile until the spammers took over! I've made a number of attempts to gather over the past year. It is always hard because we have clusters of BH's in say Madison, Milwaukee and Up North in say Green Bay and north! We should set up a Meeting in Ma...
by haban01
Tue May 13, 2014 9:07 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey recommends index fund
Replies: 26
Views: 4853

Re: Dave Ramsey recommends index fund

I kind of feel bad for all of the people who projected off of that 12% ROR too! :oops:
by haban01
Wed Apr 30, 2014 9:00 pm
Forum: Investing - Theory, News & General
Topic: Question about Wellington and Wellesley
Replies: 55
Views: 44973

Re: Question about Wellington and Wellesley

I like both of the Wellington and Wellesley funds along with the other Vanguard balanced funds such as Balanced Index and Life strategy funds. The reality is that most people are NON Bogleheads and don't have the ability to stay the course and not tinker with a portfolio. A hands off approach that c...
by haban01
Sun Apr 27, 2014 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: How long to pay off your mortgage?
Replies: 66
Views: 16801

Re: How long to pay off your mortgage?

Great topic!! I think many people today (bogleheads) have taken 15 year notes that range from 2.75-4% rates and have the unique flexibility to decide when to pay them off!! Most people are better off to just pay down their mortgage because they lack the structural discipline to invest more in a Roth...
by haban01
Tue Apr 08, 2014 4:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 14317

Re: I saw a "Boglehead" on my flight yesterday!

We should all make it a pact to carry a Boglehead book when flying!!!! Awesome story Gail!!!
by haban01
Mon Mar 31, 2014 8:43 pm
Forum: Investing - Theory, News & General
Topic: Foolish In Love And Money
Replies: 11
Views: 2677

Re: Foolish In Love And Money

Excellent article Rick. I proposed 3 years ago today!! How fittings! :wink:
by haban01
Thu Mar 27, 2014 1:21 pm
Forum: Personal Consumer Issues
Topic: Auto repair - "Threads getting thin in oil pan drain plug"
Replies: 40
Views: 7748

Re: Auto repair - "Threads getting thin in oil pan drain plu

I would also look at the Oil Pan for Rust from wintery salt conditions. My guess is that someone or many oil change techs over torqued the drain plug. There can't be more than a few threads going into the metal pan which is fairly thin. I would get a number of quotes and replace with the correct OEM...
by haban01
Wed Mar 12, 2014 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 13545

Re: Are 20 somethings handicapped bc of inflation and little

So it never occurred for me to account for inflation when I retire so I plugged some numbers in an excel chart. First thing I did was find the average yearly inflation rate and a quick google search revealed it to be on average 3.38% per year since 1914 (first year they recorded it). So that means ...
by haban01
Sun Mar 02, 2014 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 86
Views: 18725

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

How many people can attend this event? I saw the 250 quickly above and thought that was the number but it's the price. Can't be too many people, right? How could Mr. Bogle lead a tour of a few thousand through the Vanguard complex? In years past as I recall that it has been about 100 people or so. ...
by haban01
Sun Mar 02, 2014 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 86
Views: 18725

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I can only get one friend from this site to attend with me and neither of us would know anyone else. I feel like if we attended we would find a clique of 248 super-rich people who mostly have all known each other for 15+ years and will ask each other, "Who are these two and who let 'em in?? MEL! TA...
by haban01
Sat Mar 01, 2014 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Concerns re: Relocating to Illinois (Chicago)
Replies: 40
Views: 3992

Re: Concerns re: Relocating to Illinois (Chicago)

I would consider buying over the border in SE Wisconsin!!!!!
by haban01
Sat Mar 01, 2014 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 86
Views: 18725

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Check is in the mail!!!! This should be a great event! If you have never gone before and can make it sign up before it's too late!!!!! I've been to a good number of them.
by haban01
Sat Mar 01, 2014 9:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: VOTE FOR JACK [for 25 who changed business] AT CNBC.COM
Replies: 44
Views: 7667

Re: VOTE FOR JACK [for 25 who changed business] AT CNBC.COM

Just Voted!! Jack is in the Top!! 2.18% as of now!! Keep the votes coming!!!!!!! I can't believe some of the others that made the top cut. Jack stands above them all!!!
by haban01
Thu Feb 20, 2014 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction - am I saving enough for retirement
Replies: 47
Views: 4661

Re: Introduction - am I saving enough for retirement

I would say that you are on the right track! I would caution about paying for the kids full boat of tuition. I've seen numerous cases where the parents over-extend themselves with their kid's liabilities. There no mortgage or loan you can take for retirement! I would try to save as much as possible ...
by haban01
Tue Feb 18, 2014 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: CEO of DFA moving to Austin, Texas
Replies: 55
Views: 18317

Re: Question

Petrocelli wrote:Where are the customers' lakefront homes?
LOVE IT!!!!
by haban01
Wed Jan 29, 2014 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Low-income 27-year-old Beginning Investor
Replies: 19
Views: 3816

Re: Low-income 27-year-old Beginning Investor

It sounds like he may be living at home yet? Congratulations! You should qualify for the saver's tax credit on your taxes! Be sure to take the freebie from Uncle Sam! Congratulations on starting early and developing a plan. You are on the right track!! I get really excited when I see other people in...
by haban01
Fri Jan 24, 2014 9:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 33153

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor from the cold and frozen mid-west. I'm glad Mel will be there to keep you in check! :). Wouldn't want you to start day trading or anything!!!