Search found 132 matches

by VAslim16
Fri Nov 29, 2019 4:05 am
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 56
Views: 2720

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: 1146
Views: 320166

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: 1146
Views: 320166

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: 1146
Views: 320166

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: 1049
Views: 145318

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: 6631

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: 6631

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: 23757

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: 15757

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: 5747

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: 18059

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: 13371

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: 16977

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: 10338

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: 4722

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: 219
Views: 20204

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: 1146
Views: 320166

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: 1146
Views: 320166

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: 7024

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: 117668

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: 1887

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: 15923

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: 11126

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 :)
by VAslim16
Sun Apr 08, 2018 2:01 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 246
Views: 30051

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

I'm 39 and at 70/30 if I include my emergency fund... 80/20 if not. I will probably stay in that range for the next 5 or 6 years... never going below 70% stocks... and then reevaluate when I'm 45. For stocks I'm 50/50 and although I'm not sure it's the best ratio I think the smart move is to stick w...
by VAslim16
Wed Apr 04, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 11432

Re: Post Your Morningstar Box Style

26 25 26
06 06 06
02 02 02
by VAslim16
Tue Apr 03, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 14342

Re: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

riverguy wrote:
Tue Apr 03, 2018 7:02 pm
Sounds great living with Dad and eating on $250 a mo for three adults along with having two strangers in the house probably most of the time. Oh and taking the bus everywhere.
Seriously. Good for them but life is too short for me to live that way.
by VAslim16
Wed Feb 28, 2018 12:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12407
Views: 2141990

Re: U.S. stocks in freefall

cfs wrote:
Wed Feb 28, 2018 12:06 am
Closing the month tomorrow. . . Negative gains in February? Fasten seat belts for March! Gracias por leer / cfs
Yes for negative gains for the month. I think we will be fastening seatbelts for the whole year. Time will tell :)
by VAslim16
Sat Feb 10, 2018 10:09 pm
Forum: Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 15150

Re: Anybody else Age - 10 in bonds, rest in stocks

Yes. About to be 39 and 70/30 with the 30 being about 22% I bonds and 8% cash.
by VAslim16
Sat Feb 10, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4137
Views: 1183754

Re: What Book Are You Currently Reading? Part VI

Dragon Teeth by Michael Crichton
by VAslim16
Tue Jan 30, 2018 9:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12407
Views: 2141990

Re: U.S. stocks in freefall

laputan86 wrote:
Tue Jan 30, 2018 3:38 pm
Image
This is awesome...
by VAslim16
Sat Jan 27, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 92
Views: 21737

Re: What is a good flat rate cash back credit card?

I like Cap One Quicksilver over Citi Double Cash as Cap One allows you to redeem whenever. Citi requires you to redeem only when rewards are over $25. Not a huge deal but for me I usually use Cap One.
by VAslim16
Sat Jan 20, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 246
Views: 46353

Re:

indexfundfan wrote:
Sat Mar 10, 2007 1:10 am
50:50 for me.
+1
by VAslim16
Thu Jan 18, 2018 3:13 am
Forum: Personal Finance (Not Investing)
Topic: 1,000th post and a 'No-Fail' Retirement Formula
Replies: 54
Views: 6979

Re: 1,000th post and a 'No-Fail' Retirement Formula

Congrats Travel on both, and thanks for the formula. According to it I need 2.53 million. Doable, but I'm along ways from it :). Thanks again and congrats.
by VAslim16
Sat Jan 13, 2018 5:31 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 22707

Re: How does everyone keep track of your portfolio?

herpfinance wrote:
Tue Oct 17, 2017 8:32 am
Good old Excel spreadsheet.
+1
by VAslim16
Thu Dec 28, 2017 9:26 am
Forum: Personal Investments
Topic: Investing at Age of 78
Replies: 7
Views: 1565

Re: Investing at Age of 78

If you are a fan of the 3 fund portfolio you could do VTI, VXUS and BND at the allocations you all prefer based on your risk tolerance. Maybe 25% stock and 75% bond would be a good mix for you all. Simple and easy to maintain and rebalance.
by VAslim16
Fri Dec 01, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: I met my first Retirement Savings goal
Replies: 26
Views: 2835

Re: I met my first Retirement Savings goal

SurferLife wrote:
Fri Dec 01, 2017 12:04 pm
Congrats! I hit 100k at 35, oh boy did I feel behind. You're doing great!
+1. I was 37 when I hit. Well done and keep it up. As other people have said you are on a really good trajectory to be at that point so young.
by VAslim16
Fri Sep 15, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 6574

Re: Milestone Reached - "Quarter Millionaire!"

Congrats. I am 38 right now and hope to be there in two years. Well done doing it relatively early and keep it up!
by VAslim16
Thu Sep 14, 2017 9:00 am
Forum: Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 6051

Re: How often do you put money in Vanguard

End of each month. Accumulation phase for me still...
by VAslim16
Sat Jul 29, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 14244

Re: Your "at peace" moments.

OZAR wrote:Large Emergency Fund
Haha. +1 on this.

I am in a similar situation as a bachelor. Meditation is amazing. That's what came to mind for me. Search Inside Yourself is an awesome book man.
by VAslim16
Sat Jul 29, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 6379

Re: Which Credit Card Companies Do You Like?

Discover is my #1. They are a great company. Great customer service, great product, great features and rewards. Nothing bad to say about them. Agree. They issued me my first credit card and I have only good things to say about them. Unfortunately I usually use Cap One and Citi more because they hav...
by VAslim16
Sat Jul 29, 2017 2:25 pm
Forum: Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 44
Views: 7571

Re: Anyone invest in I Bonds and why?

Yes. I-bonds work perfect for me now that Illinois has increased their income tax rate by 32%, I will use I-bonds instead of CD's since the interest earned on I-bonds is not taxable at the state level. Only wish the purchase limit per year was greater than $10,000 per year (minus the few caveats th...
by VAslim16
Sat Jul 15, 2017 1:52 pm
Forum: Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 11827

Re: Personal Finance Milestone: 20 Times Annual Expense

Awesome Klang. Very pumped for you. Looking forward also to reading more of your thoughts on here...
by VAslim16
Thu Jun 29, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Lending people "things"
Replies: 28
Views: 2603

Re: Lending people "things"

I have an "item" that I bought 5 years ago for personal use that cost me about $2,000. I don't use it much, but it is important to me and I spent my hard earned money on it. My half brother, whom I have a somewhat distant relationship with, likes to borrow it and uses this item much more than I do....
by VAslim16
Mon Jun 12, 2017 5:19 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 116191

Re: How much international stock? A suggestion.

Ruh roh. I'm 50/50. But I will stay at that ratio going forward and hope it doesn't break me come retirement :).
by VAslim16
Sat Jun 10, 2017 3:20 am
Forum: Personal Investments
Topic: Anyone still buying I-Bonds these days?
Replies: 16
Views: 3245

Re: Anyone still buying I-Bonds these days?

I'm still buying 10K per year. I like them as bonds/emergency funds after 1 year.
by VAslim16
Sun Jun 04, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 11889

Re: Used 2013 Audi A5 or New Honda Accord Sport

For me it's easy. Go Accord.