Search found 156 matches

by VAslim16
Wed Sep 16, 2020 7:41 am
Forum: Personal Consumer Issues
Topic: Online Resources for Learning Physics (AP Physics / High School)
Replies: 14
Views: 908

Re: Online Resources for Learning Physics (AP Physics / High School)

Hi It's been a long time since I studied Physics. My kid is taking AP Physics-I in high school (school is all on-line). Lack of in-person classes and a book is not helping my kid in this subject and he asked me for help. Are there any Physics subject experts / HS teachers here who can direct us to ...
by VAslim16
Wed Sep 16, 2020 3:23 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 7362

Re: Should I buy a new rice cooker from Zojirushi?

Zojirushi is an awesome brand. I'd buy anything they make. To me the quality is worth the higher price.
by VAslim16
Tue Sep 15, 2020 10:15 am
Forum: Personal Investments
Topic: EE bonds soon?
Replies: 15
Views: 1065

Re: EE bonds soon?

I have started buying some this year at age 46. I think if I buy for the next few years they can be useful to provide a ladder of income while delaying Social Security. I wish I had started a few years earlier. As long as you don't need the liquidity, 3.5% return is way better than anything current...
by VAslim16
Tue Sep 15, 2020 10:13 am
Forum: Personal Investments
Topic: EE bonds soon?
Replies: 15
Views: 1065

Re: EE bonds soon?

I have started buying some this year at age 46. I think if I buy for the next few years they can be useful to provide a ladder of income while delaying Social Security. I wish I had started a few years earlier. As long as you don't need the liquidity, 3.5% return is way better than anything current...
by VAslim16
Tue Sep 15, 2020 9:07 am
Forum: Personal Investments
Topic: EE bonds soon?
Replies: 15
Views: 1065

Re: EE bonds soon?

Yeah thanks Grt. I would do something like 830 monthly just to have the steady monthly income. Much appreciated on your thoughts.
by VAslim16
Tue Sep 15, 2020 8:52 am
Forum: Personal Investments
Topic: EE bonds soon?
Replies: 15
Views: 1065

EE bonds soon?

Hi all, Looking for some opinions on whether EE bonds might be a good fit for me. I am single, 41 and will be 42 in a few months. My portfolio is about 300K (not great, but not bad for a teacher salary). I work mostly overseas so all my investments are in a taxable account. I am 70/30 with my stocks...
by VAslim16
Fri Aug 28, 2020 4:12 pm
Forum: Investing - Theory, News & General
Topic: How long could you live off your portfolio if the worst happened?
Replies: 110
Views: 10465

Re: How long could you live off your portfolio if the worst happened?

In that scenario I estimate I could live off it for about 5 years. Yep...still work to do here. :D
by VAslim16
Thu Jul 30, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8835
Views: 698556

Re: U.S. stocks continue to soar!

... I think today could be a 5%+ drop. Not that ill do anything if that is the case. Curious to see though soon... Curly portfolio is + 0.3% right now. NASDAQ is positive. Hopefully that -5% prediction is not going to come to pass... I'll be glad to be wrong. For sure won't be the first time haha.
by VAslim16
Thu Jul 30, 2020 8:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8835
Views: 698556

Re: U.S. stocks continue to soar!

Same here. About 60% of my portfolio is US. USD is taking a beating vs. Euro. USD is down -7.4% in CHF and -6.5% in EUR since January 2. So while SP500 is back to 0% YTD as of today, as an European investor you are still down -7% YTD. This sucks. The USD is still getting hammered and might go on fo...
by VAslim16
Sun Jul 26, 2020 12:55 am
Forum: Investing - Theory, News & General
Topic: Who's doing 100% international equity?
Replies: 129
Views: 17826

Re: Who's doing 100% international equity?

I'm 50/50 US/Int. This thread makes me feel better about that ratio so thanks for starting it.
by VAslim16
Wed Jul 22, 2020 4:56 pm
Forum: Non-US Investing
Topic: Couple of Question for Bogleheads who are out of the US [Thailand]
Replies: 10
Views: 941

Re: Couple of Question for Bogleheads who are out of the US

Yes for Ally as well as Vanguard. Not sure about SS payout question but my guess is no.
by VAslim16
Wed Jul 15, 2020 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 252
Views: 23462

Re: Ally 1% bonus, up to $250, sign up by 3/23

Yep got mine too. Forgot about the offer as it was so long ago. Nice positive email to get today :)
by VAslim16
Sun Jul 12, 2020 7:06 pm
Forum: Personal Investments
Topic: Alternatives to cash
Replies: 14
Views: 2027

Re: Alternatives to cash

I bonds come to mind.
by VAslim16
Mon Jun 15, 2020 12:53 pm
Forum: Personal Investments
Topic: About to do my first Backdoor Roth - nervous!
Replies: 26
Views: 1381

Re: About to do my first Backdoor Roth - nervous!

Can one do a backdoor Roth if she has no earned income because of living overseas and using foreign earned income exemption? No. Backdoor Roth is a process where you contribute "earned income" up to $6k per year to a Traditional IRA, and assuming you have no other pre-tax assets, convert that to Ro...
by VAslim16
Mon Jun 15, 2020 12:39 pm
Forum: Personal Investments
Topic: About to do my first Backdoor Roth - nervous!
Replies: 26
Views: 1381

Re: About to do my first Backdoor Roth - nervous!

Can one do a backdoor Roth if she has no earned income because of living overseas and using foreign earned income exemption?
by VAslim16
Thu Apr 23, 2020 10:09 pm
Forum: Personal Investments
Topic: I-Bonds for emergency fund, now or wait?
Replies: 17
Views: 2641

Re: I-Bonds for emergency fund, now or wait?

Mel Lindauer wrote: Thu Apr 23, 2020 10:01 pm
Atomic wrote: Thu Apr 23, 2020 9:55 pm Looks like now is the time this year.
I agree. Don't see any reason to wait and several reasons not to.
+2. Fixed rate will most likely be lower after April.
by VAslim16
Tue Mar 31, 2020 10:41 am
Forum: Investing - Theory, News & General
Topic: Who is buying I Bonds before May 1st?
Replies: 54
Views: 5668

Re: Who is buying I Bonds before May 1st?

I will be buying. Would like to add to the emergency fund but I def wanna get that 0.2% fixed rate before it goes to 0 in May.
by VAslim16
Mon Mar 16, 2020 10:17 am
Forum: Personal Investments
Topic: The Black Swan is Here
Replies: 164
Views: 19494

Re: The Black Swan is Here

I'm early 40s with a decent (but not great) chunk saved for retirement. I am 75/25 with my stock portion 50/50 US vs INT. I would like to say I will rebalance according to my IPS 5/20 bands. But this recent drop is causing my to worry about my job a bit (among other things). My plan is to keep addin...
by VAslim16
Tue Mar 10, 2020 8:19 am
Forum: Investing - Theory, News & General
Topic: Rebalancing these days
Replies: 17
Views: 1122

Re: Rebalancing these days

I haven't run the numbers, but I suspect I've probably hit a rebalancing band. 2/3 of our money auto-rebalances, because it's in Wellington/Wellesley or a roboadvisor account. So it's basically just the 401(k)s. I'll probably look today or tomorrow, and take whatever action is necessary to restore ...
by VAslim16
Fri Feb 14, 2020 4:35 pm
Forum: Investing - Theory, News & General
Topic: ETF to Hold for 50 Years
Replies: 118
Views: 10858

Re: ETF to Hold for 50 Years

Living Free wrote: Tue Jan 21, 2020 11:03 am VTI and VXUS (vanguard total US and total international stock index ETFs)
This
by VAslim16
Sat Dec 21, 2019 8:21 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1704
Views: 221665

Re: Post your Financial Milestone Announcements Here

Well done JCB. Impressive accomplishment. Proud of you for being disciplined for that time. Enjoy it.
by VAslim16
Sat Dec 21, 2019 6:59 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1704
Views: 221665

Re: Milestone #2 250K

Hi everybody, Just wanted to post because I hit a mini milestone today. Checked my Vanguard account and my stock holdings were just over 100K. I know this is small for most people on here, but considering I started investing in March 2013 and don't make a huge salary (I'm a teacher) it's something ...
by VAslim16
Sat Dec 21, 2019 6:55 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 284
Views: 37245

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

I am 3 months from 41 and at 75/25 currently. Might go to 70/30 at 45 but don't see myself going higher than that for awhile.
by VAslim16
Fri Nov 29, 2019 4:05 am
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 92
Views: 6401

Re: Giving thanks to our moderators

Yes. Thank you guys! Appreciate what you do :)
by VAslim16
Thu Nov 28, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1882
Views: 460333

Re: Share your net worth progression

dekecarver wrote: Thu Nov 28, 2019 8:30 pm
bck63 wrote: Sun Nov 24, 2019 8:25 pm Reality check: Half of the urban population in Sub-Saharan Africa lives in slums.
And your point is?
Good point here. We always need to keep perspective :)
by VAslim16
Thu Nov 28, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1882
Views: 460333

Re: Share your net worth progression

Been tracking since I was 30. Did not really get started until then, but it's been a good run. My career really took off in my 40s so don't get discouraged. 1997 30,000 1998 42,034 1999 75,890 2000 101,345 2001 122,308 2002 196,088 2003 226,451 2004 279,462 2005 440,229 2006 445,943 2007 562,357 20...
by VAslim16
Thu Nov 28, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1882
Views: 460333

Re: Share your networth progression

Current age: 36. Unfortunately wasted my 20s and early 30s spending too much and not saving. Over the last 4 years since finding this site I'm proud of the progress I've made. Hopefully I'm on track now to be in good shape around 60-65. May 2011: -$46,118 May 2012: -$13,336 May 2013: $2,978 Apr 201...
by VAslim16
Sat Nov 09, 2019 8:54 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1704
Views: 221665

Re: Mini Milestone 100K

I know I will sound like a broken record to some, but you are a fairly new BH so you get to hear it at least once. Arbitrary dollar amounts are not good milestones, because individual circumstances vary widely. A number of zeros might feel good, but the better yardstick is a multiplier of your gros...
by VAslim16
Tue Jul 30, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Renter Forever?
Replies: 68
Views: 6874

Re: Renter Forever?

Silk McCue wrote: Tue Jul 30, 2019 3:45 pm This a good thread for you to look at.

viewtopic.php?t=242380

The search box is your friend.

Cheers
Thanks Silk.
by VAslim16
Tue Jul 30, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Renter Forever?
Replies: 68
Views: 6874

Renter Forever?

Hi all, I am starting (just barely) to think about retirement (timeline until is 15-20 years I hope). I move around alot and have worked overseas outside the US for a good amount of time the last 15 years. I am wondering if anybody on here has rented (or has a plan to rent) forever...without ever bu...
by VAslim16
Wed Jul 24, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 241
Views: 28301

Re: What is your allocation to U.S. and International?

I think I'm one of the rare Bogleheads here that have a 50/50 split in US/Ex-US. I'll admit the gap in returns for the past 10 years has been pretty painful and I've started to question in recent years whether International will ever make up the deficit. Exactly how I feel. But I will probably stay...
by VAslim16
Wed Jul 24, 2019 6:32 am
Forum: Personal Investments
Topic: A little discouraged with earnings, is it really this slow?
Replies: 96
Views: 16526

Re: A little discouraged with earnings, is it really this slow?

you're 27 with a $100K+ net worth and are discouraged? Please don't be, you're way way ahead of most people in the country! Now, if you were 67 with $100K then it would be discouraging. Trust me, you're ahead... when I was your age I had a negative net worth :oops: I've recovered nicely and doing q...
by VAslim16
Mon Jun 10, 2019 4:54 am
Forum: Investing - Theory, News & General
Topic: Perpetual Withdrawal Rates for 18 Portfolios
Replies: 50
Views: 6526

Re: Perpetual Withdrawal Rates for 18 Portfolios

I admit I get tempted by the Golden Butterfly at times also...
by VAslim16
Fri May 24, 2019 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 153
Views: 18500

Re: 4M 70K expenses would you stop?

Yes. Too easy :)
by VAslim16
Thu Apr 18, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 14368

Re: Consensus on I Bonds for 2019?

I will buy my full allotment for 2019 before April ends.
by VAslim16
Sun Apr 14, 2019 5:50 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 17782

Re: How often do you check your net worth?

Yep same as many here. Monthly.
by VAslim16
Thu Apr 11, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 10581

Re: How do 40 year olds decide what they can afford?

I am in a different boat than you are.... I didn't save in my 20's and barely saved in my early/mid 30's, and certainly didn't save in my teens. It was only in my late 30's that I woke up and began saving in earnest. As I have gotten older (44 now) I find I question purchasing things much much more...
by VAslim16
Thu Mar 28, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Crossroad of what to do next?
Replies: 54
Views: 4817

Re: Crossroad of what to do next?

Agree with many others here. Pay off the student loans.
by VAslim16
Tue Jan 15, 2019 8:34 am
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 248
Views: 25195

Re: Biggest Investment Mistake

Waiting till I was 32 to really get started. The good news is that I have been a Boglehead since then so I think my investing "style" has been solid. I just wasted 10+ years spending money not saving it.
by VAslim16
Sat Jan 12, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1882
Views: 460333

Re: Share your net worth progression

I feel poor when I read this thread :-( I'm at +$40,000 right now. Thanks for the motivation, guys. You're actually doing quite well, as you should only compare yourself to those in the same age group / situation as you. For example, the previous post at age 36. FYI - Username1 has an on-going thre...
by VAslim16
Sat Jan 12, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1882
Views: 460333

Re: Share your networth progression

Current age: 36. Unfortunately wasted my 20s and early 30s spending too much and not saving. Over the last 4 years since finding this site I'm proud of the progress I've made. Hopefully I'm on track now to be in good shape around 60-65. May 2011: -$46,118 May 2012: -$13,336 May 2013: $2,978 Apr 201...
by VAslim16
Sun Jan 06, 2019 6:54 am
Forum: Investing - Theory, News & General
Topic: Who has the highest allocation to international stocks?
Replies: 65
Views: 7531

Re: Who has the highest allocation to international stocks?

I am 50/50 and that allocation seems to be high for most Bogleheads. Most here seem to be 20-30% and some are 0%. I have no plans to change anytime soon. Hope at some point the high allocation will pay off :)
by VAslim16
Fri Aug 24, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 121233

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Incredible thread. 660 posts in 10 days and going strong. Reading this is like reading a text book. At a time when international is underperforming, it's a great reminder why I shouldn't cut and run. I'm glad I have an Investing Policy Statement. Just need to stay strong enough to follow it. Thanks...
by VAslim16
Wed Jun 20, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: International Market Volatility? (Foreign stocks in freefall?)
Replies: 12
Views: 1926

Re: International Market Volatility? (Foreign stocks in freefall?)

The relatively low long-term returns of ex-US is a bigger problem with that investment than volatility... Well, gee, that's even worse than I was thinking, a double whammy. I thought that higher volatility would at least pay off in higher returns... Yeah I'm getting fired up with International. My ...
by VAslim16
Sat Jun 02, 2018 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 16451

Re: Best Advice You Never Took

kazper wrote: Fri Jun 01, 2018 11:03 am Probably to invest early.

I'm only mid-30s now so I didn't wait too long, but I could have started putting more money away for retirement when I started my first serious job nearly a decade ago. My balance would look quite a bit different than it does now if I did...
+3
by VAslim16
Thu May 03, 2018 9:52 am
Forum: Personal Investments
Topic: Starting to smell like buying season?
Replies: 72
Views: 11414

Re: Starting to smell like buying season?

I think there will be more droppage. But since I think that it probably means there won't be :)