Search found 345 matches

by Strayshot
Wed Jul 04, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: What to add to the baby registry?
Replies: 20
Views: 1212

Re: What to add to the baby registry?

Essentials: Nose Freda Chicco bravo travel system with extra keyfit bases as needed Fisher price rock and play Ergobaby 360 with infant insert Dr Browns bottles Medela pump system in the travel bag Dr Browns bottle warmer Graco pack and play with the diaper changing platform (use the rock and play f...
by Strayshot
Wed Jun 20, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Behind the 8-Ball at 36
Replies: 13
Views: 3218

Re: Behind the 8-Ball at 36

On the topic of international allocation, there ate 2 schools of thought. Some like Jack Bogle and Warren Buffet argue that American companies have such a globalized presence that there is no need to diversify in specific international and ex-us funds because diversity is already present in those co...
by Strayshot
Wed Jun 20, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Behind the 8-Ball at 36
Replies: 13
Views: 3218

Re: Behind the 8-Ball at 36

Congrats on the new addition and thank you for your service! 1) the best fund for a set it and forget it approach is a target date fund with a low expense ratio. Given you want to retire at 55, something like VFORX target date 2040 would be a reasonable choice. The next best option is establishing a...
by Strayshot
Sat Jun 02, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 4701

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

Someone earlier mentioned FFRDC’s, I will put in a vote for Sandia National Laboratories and Los Alamos National Laboratory in New Mexico. I believe that Sandia was named highly in Forbes Best places to work and was like the #1 for Aerospace and Defense companies (ahead of NASA and several other Aer...
by Strayshot
Thu May 31, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 7049

Re: get sued for posting nagative online review?

The root cause problem here is lawyers and their willingness to represent anyone for anything as long as money is involved combined with our judicial system enabling anyone to sue anyone else for any reason and forcing that lawsuit to enter the system before being thrown out by a judge. I got dragge...
by Strayshot
Sat May 26, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 190
Views: 21881

Re: High End Wrist Watches (Gone Crazy)

It always fascinates me that so many people feel the need to barf on any thread that talks about high end watches. "I use my phone" "I don't wear a watch" "A $10 Timex tells time better" Yeah, we get it. You started this thread to claim you might get an IWC, and then finished it with a huge picture...
by Strayshot
Fri May 18, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Nephew graduating high school & joining military. Gift Ideas?
Replies: 29
Views: 1701

Re: Nephew graduating high school & joining military. Gift Ideas?

Depends what you want to spend...... Electronics are good, either a tablet if you want to go inexpensive (fire from amazon) or an iPad or if you want to go expensive get him a laptop and if you go really expensive get him a gaming laptop. Otherwise I would get him a watch. The Casio g shocks are pop...
by Strayshot
Wed May 16, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 3728

Re: Unique Phone Apps that you find yourself using most often?

batpot wrote:
Wed May 16, 2018 2:13 pm
Feedly is great for news feeds, but I mostly just use it for reddit
Another vote for Feedly!!! No way I could keep up on all my blogs across devices without it. Feedly and Fidelity are my 2 most used apps (aside from the browser). I live in a device iWorld just FYI :sharebeer
by Strayshot
Sun May 13, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: First Post - On my feet?
Replies: 16
Views: 2334

Re: First Post - On my feet?

The individual stock fund I know is blasphemy on this forum, but dividend stock investing interests me. I'll get there eventually. It’s not blasphemy, it doesn’t work (reference Jack Bogle and countless others work on the fallacy of active management, both philosophically and empirically). Anyone w...
by Strayshot
Sat May 12, 2018 8:05 am
Forum: Investing - Help with Personal Investments
Topic: First Post - On my feet?
Replies: 16
Views: 2334

Re: First Post - On my feet?

1) Your portfolio looks great, you did your homework before posting. You don’t have the simplicity of a 3 fund, but if you are ok with the volatility of the small/mid tilt you should be fine. 2) I don’t think the tax benefit is worth the single stock risk, I would sell and incorporate into your AA. ...
by Strayshot
Thu Mar 29, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 6859

Re: Question for physicians-- is my taking call worth it?

Off topic and political, mods should remove this comment. I won’t leave a scathing response about how skewed this perspective is because I don’t want to derail the thread. The comment is no more political or non-germane than the many farcical insinuations in this thread that uninsured patients show...
by Strayshot
Tue Mar 27, 2018 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance on beginning for investments
Replies: 10
Views: 1197

Re: Guidance on beginning for investments

2. My husband has very recently started trading again and invested 50k in it but that’s a short term plan. Looking for suggestions long term investment plans, for the lower 6 figures we have in our checking accounts. 3. Would it be better moving the money from our checking accounts to online banks ...
by Strayshot
Tue Mar 27, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 6859

Re: Question for physicians-- is my taking call worth it?

I'm not a doctor, but to those of you saying it's not worth it, what if every <fill in type of specialist> in the area declined to take any calls from the county hospital? Shouldn't the poor have access to emergency care? I think it would be more fair if all the doctors of a specialty decided they ...
by Strayshot
Thu Mar 22, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Cancelled car insurance before leaving on extended trip, now premiums tripled
Replies: 13
Views: 2930

Re: Cancelled car insurance before leaving on extended trip, now premiums tripled

Before leaving on extended trip I cancelled my insurance. Now that I returned after 11 months my insurance company which I used for many years wont write a policy because they pulled out of state where I reside. That left me obtaining quotes from other insurance companies and to my surprise least e...
by Strayshot
Mon Mar 19, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13181

Re: What is your favorite reasonably priced bourbon?

I guess “reasonably priced” is as subjective as anything else, but in my opinion nearly all commercially available bourbons are reasonably priced. It is tough to find bottles that exceed about $100, and even then if you break $150 you are in to some crazy stuff like high end Stagg at 800+ a bottle. ...
by Strayshot
Mon Mar 19, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 17406

Re: Bought house six months ago - now feeling like we're treading water and can't save money

Drop the charitable donations. This times infinity. Way too high, it doesn’t matter how much good you are doing for others if you are screwing yourself in the process. If nothing else, lower this to $100 a month or something rather than dropping it with a personal commitment to raise it back up as ...
by Strayshot
Fri Mar 16, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: help! I want to treat heirs equally
Replies: 38
Views: 5544

Re: help! I want to treat heirs equally

Well, for securities when you die you use a stepped-up cost basis for the inherited amount. Following that logic, I would give cash to the second child equal to the appraised value of the appreciating item on your death. For items that lose value or are consumed, I would allocate funds based on the ...
by Strayshot
Wed Mar 14, 2018 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Lost job and need to roll over my 401k
Replies: 8
Views: 1258

Re: Lost job and need to roll over my 401k

If you don't currently have a traditional IRA, it may be worthwhile for you to rollover into a Roth IRA (i.e transfer directly and do the conversion in one step). Given the size of the amount it shouldn't be a lot of tax. This is particularly true if you ever envision utilizing a backdoor Roth IRA,...
by Strayshot
Fri Mar 09, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 80
Views: 9478

Re: Can I take an 85+% pay cut for fun?

Why not start planning the change now and set a date for 3 years from now. You can continue to work in 3 years of the lowest personal tax environment we will probably see ever going forward and the excitement of a known date should help keep you motivated. You will build a better cushion and can tak...
by Strayshot
Wed Feb 28, 2018 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Inherrited trust - forced to use AUM advisor
Replies: 5
Views: 620

Re: Inherrited trust - forced to use AUM advisor

Do you mean .08% as you typed or do you mean .8% (which is much closer to the 1% AUM charged by most “advisors”)? If you are being charged .08% you have found the cheapest advisor ever! Only cheaper and reasonable alternative I am aware of would be the Vanguard PAS (personal advisory service) which ...
by Strayshot
Mon Feb 26, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: ARAG (or other) Legal Plans, useful? Feedback or reviews?
Replies: 12
Views: 1340

Re: ARAG (or other) Legal Plans, useful? Feedback or reviews?

I am very familiar with these plans. The biggest problem is what attorneys are typically willing to work for such a drastically reduced fee? Rookies, general practitioners who don't have much a business, etc.... These days most people, with a legal need, should talk to someone who specializes in on...
by Strayshot
Sun Feb 25, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: ARAG (or other) Legal Plans, useful? Feedback or reviews?
Replies: 12
Views: 1340

Re: ARAG (or other) Legal Plans, useful? Feedback or reviews?

Huge thanks to everyone who has replied so far, these responses have been insightful! ICMoney, do you mind sharing details on the real estate transaction (I am guessing this was more than just a FSBO with a lawyer looking over paperwork or something)? The plan I signed up for apparently offers all m...
by Strayshot
Fri Feb 23, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: ARAG (or other) Legal Plans, useful? Feedback or reviews?
Replies: 12
Views: 1340

Re: ARAG (or other) Legal Plans, useful? Feedback or reviews?

Also, I should mention I searched and found related threads (including one I posted in) but wanted to get a new one going. Maybe mods would prefer an omnibus thread on this topic and merge them together? I would really like specific examples for more obscure things that people had success with vs th...
by Strayshot
Fri Feb 23, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: ARAG (or other) Legal Plans, useful? Feedback or reviews?
Replies: 12
Views: 1340

ARAG (or other) Legal Plans, useful? Feedback or reviews?

Hi Folks, I recently signed up for a legal plan which costs a set amount per month (roughly $25) and claims to cover expenses related to in network attorney fees for a variety of issues. I previously used some will and POA services offered by a similar Hyatt legal plan associated with my life insura...
by Strayshot
Fri Feb 23, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 9107

Re: "Bogleheads.org" by Kristine Hayes"

Any new topic will always be intimidating, it should be exciting at the same time. Seems like there are lots of folks who just want “the answer” without doing the legwork, those folks come to bogleheads looking for a freebie while minimizing their own work. At minimum, people need to utilize the wik...
by Strayshot
Thu Feb 22, 2018 7:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 407
Views: 39785

Re: Two Comma Club

Congrats and welcome to the club, there is a dedicated thread for these types of announcements and mods can merge them.
by Strayshot
Wed Feb 21, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: frustrated with patek philippe poor service
Replies: 29
Views: 2755

Re: frustrated with patek philippe poor service

I would fix it for the full amount and get it ready to wear, the money isn’t significant, you say it has lots of sentimental value, go for it. Life is short, fix it and wear it! Pass it on to someone special in your will and hope they also enjoy it :sharebeer
by Strayshot
Sun Feb 18, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 46
Views: 7639

Re: Paying off $372000 mortgage in 12 months

The mortgage rate is definitely higher than any high yield savings rate, so paying the mortgage is a better deal.

Are you saying you have an extra 30 grand of income a month you can pay towards the mortgage? If so, congrats on making a heck of a salary.........
by Strayshot
Sun Feb 18, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: I think we can swing this! ($1M retirement home)
Replies: 27
Views: 3581

Re: I think we can swing this! ($1M retirement home)

The numbers work, go for it! Remember you will get hit with RMD’s at 70.5 that will be another ~60k/year from the tiras/401ks, may want to consider some Roth conversions between now and age 70
by Strayshot
Fri Feb 16, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth - How am I doing?
Replies: 14
Views: 2734

Re: Net Worth - How am I doing?

Compared to Mark Zuckerburg you are failing miserably and living the life of a pauper, you don’t even own a large portion of an island yet. Otherwise it looks like you are debt free, saving money, and not buying lots of depreciating items like cars and boats which are all good things. The ratio of t...
by Strayshot
Fri Feb 16, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Should I make a move?
Replies: 4
Views: 541

Re: Should I make a move?

Money needed for a major purchase in 3-5 years should not be invested and risk loss of principal. High yield savings account or CD’s are the only reasonable instruments for that kind of money. Your question also implies trying to time the market, which is impossible. How would you feel if your 4000 ...
by Strayshot
Fri Feb 16, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Laid off ...next steps
Replies: 31
Views: 5404

Re: Laid off ...next steps

Plan to spend about a week being depressed about the situation, then a week getting introspective about what you want to do with your life, then a week or two taking a nice vacation somewhere, then back to reality and diving in to the job search. If you have a year saved even without unemployment (w...
by Strayshot
Thu Feb 15, 2018 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Disabled and need Investment Advice
Replies: 10
Views: 943

Re: Disabled and need Investment Advice

You could do a two life annuity or you could just originate a 20 year term life policy on the spouse for 500k or so to cover the original funds. Looks like it would be about 2k/year or so which might be a better value than the reduced annuity payments from two life. Depends on life expectancy of the...
by Strayshot
Thu Feb 15, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Interest-only mortgage/HELOC as a refi? (retired and low income)
Replies: 12
Views: 885

Re: Interest-only mortgage/HELOC as a refi? (retired and low income)

Maybe the idea of using a HELOC to pay the higher mortgage payments would be a simpler arrangement but I don't know if he'd qualify for two monthly payments. Granted the refi costs even if rolled in would be a lot if he's only there a year or two. The home is worth 190k but to make the math easy we...
by Strayshot
Thu Feb 15, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Disabled and need Investment Advice
Replies: 10
Views: 943

Re: Disabled and need Investment Advice

To be completely honest, you sound like a good candidate for an annuity. I would cash out the retirement assets (avoid penalties but prepare to pay the taxes owed) and buy an annuity for your spouse with the remaining assets. A quick quote shows you would get at least 1500/month or so, which combine...
by Strayshot
Thu Feb 15, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Interest-only mortgage/HELOC as a refi? (retired and low income)
Replies: 12
Views: 885

Re: Interest-only mortgage/HELOC as a refi? (retired and low income)

Don’t forget the transaction costs (likely in the thousands) involved with originating another mortgage, which will eat equity in the home. This individual seems to be living on a meager budget, so incurring $3000 in transaction costs is sizeable. I do not believe that there are no other living arra...
by Strayshot
Thu Feb 15, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Interest-only mortgage/HELOC as a refi? (retired and low income)
Replies: 12
Views: 885

Re: Interest-only mortgage/HELOC as a refi? (retired and low income)

You can’t really replace a mortgage with a heloc, the heloc is a secondary lien and they would offer a heloc line equal to the difference between what is owed and 80% of the appraised value. Maybe you could convince someone to do a heloc with an initial draw that would pay off the first lien and the...
by Strayshot
Wed Feb 14, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 25938

Re: free dinner investing seminar

Dang it, I am missing the gravy train! :oops: I only ever got one of these invites and the pitch was investing in storage units, I couldn’t make it work with my schedule so didn’t go. Never been invited since. How can I get them to start up again? I can get a T-shirt made that says “two comma club” ...
by Strayshot
Tue Feb 13, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: In plain English, please explain what was VIX, what happened to it and why?
Replies: 68
Views: 6492

Re: In plain English, please explain what was VIX, what happened to it and why?

I have been far too busy trading on both ZMBE which represents the inverse probability of a zombie apocalypse damaging enough physical road infrastructure to lower worldwide automobile sales by more than 50% as well as BNNA which tracks banana commodity futures offset by the combined short pressure ...
by Strayshot
Mon Feb 12, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14318

Re: What big item (>20k) are you saving up for?

Renting a carribean island for a week for 30 friends/family :sharebeer
by Strayshot
Mon Feb 12, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Suggest a Financial Aggregator Site
Replies: 8
Views: 803

Re: Suggest a Financial Aggregator Site

I do all of this in Quicken
by Strayshot
Sun Feb 11, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 3607

Re: Good Hotel in DC

I'm partial to The Mayflower. It's right near Farragut North and Farrugut West on the Metro. There are also plenty of restaurants and shops on Connecticut Ave and in the surrounding area. There is plenty of history about the hotel itself, the rooms are nice and the restaurant is quite good. +1 for ...
by Strayshot
Sat Feb 10, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Physician disability insurance
Replies: 8
Views: 698

Re: Physician disability insurance

It’s apples to oranges, but OB/GYN $8370 monthly benefit is $4300/year through the standard. This is own occupation, cola, etc etc and able to be increased to 15000 monthly benefit.
by Strayshot
Sat Feb 10, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: My Portfolio – Youngish Investor – Can I Improve?
Replies: 8
Views: 683

Re: My Portfolio – Youngish Investor – Can I Improve?

You are 28 but didn’t say your desired asset allocation, but you are very skewed to bonds. I would fix it now. I don’t understand the tax issue, you will owe taxes on the bonds regardless unless your point is that you are trying to sell just enough to stay in your current marginal bracket rather tha...
by Strayshot
Sat Feb 10, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 7824

Re: Day trading for a living/career?

Do people make a living gambling? Sure! Will you be able to make a living gambling? Well, you could flip a coin for the answer.......... The real question is if you don’t make a living gambling, how bad will it be? I know folks who are “successful” day traders, poker players, gamblers, venture capit...
by Strayshot
Sat Feb 10, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Physician disability insurance
Replies: 8
Views: 698

Re: Physician disability insurance

You need to compare by specialty because that is the basis on which DI is quoted (and health, age, etc). What specialty?
by Strayshot
Sat Feb 10, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: What Would you do? (Inheritance)
Replies: 22
Views: 3158

Re: What Would you do? (Inheritance)

OP, The good news is that you are thinking this through and looking at your options. Sorry for your loss. Some things may transfer in kind to vanguard, but some will not. I like your option 1, because of stepped up basis on death and the recent pullback you can harvest losses, so I see no reason not...
by Strayshot
Fri Feb 09, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 14331

Re: "The stock market is officially in a correction... here's what usually happens next"

"Stay the course" is not the same as "Buy and hold." Corrections and bear markets can often be an opportunity to rebalance, sell an unwanted fund, tax-loss harvest or move to another company. Best wishes. Taylor Hi Taylor, I want to thank you again for the guidance I received from you, Mel, and Bob...
by Strayshot
Thu Feb 08, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 14814

Re: Financial Hole

I have enjoyed this thread, not because it has been taunting the well-meaning bogleheads community, but because the dialog between JoeSo and others exemplifies why so many people in America today are in dire financial straits that are absolutely of their own making. Now when I see statistics that a ...
by Strayshot
Wed Feb 07, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: 26yr old - Check Up - How am I doing?
Replies: 9
Views: 1662

Re: 26yr old - Check Up - How am I doing?

OP you are doing an excellent job! I have no portfolio suggestions other than a chuckle at some of the obviously horrid “investments” available in the 401k’s and wondering why they are even included by plan providers (example BCSIX and MGOYX). A useful exercise would be making a spreadsheet and look...