Search found 93 matches

by VAslim16
Fri Sep 15, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 4815

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: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4226

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: 11527

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: 4314

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: Investing - Help with Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 17
Views: 1981

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: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 9229

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: 1769

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: 219
Views: 39658

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: Investing - Help with Personal Investments
Topic: Anyone still buying I-Bonds these days?
Replies: 16
Views: 2342

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: 6238

Re: Used 2013 Audi A5 or New Honda Accord Sport

For me it's easy. Go Accord.
by VAslim16
Wed May 17, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Mini Milestone 100K
Replies: 19
Views: 1876

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
Wed May 17, 2017 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Mini Milestone 100K
Replies: 19
Views: 1876

Mini Milestone 100K

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 I...
by VAslim16
Sun Apr 30, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 72
Views: 9488

Re: Which High-Yield Online Savings Account Should I Open?

Like many here, I am a fan of Ally. I would go with them.
by VAslim16
Mon Apr 17, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: First $1M Net Worth Milestone Achieved
Replies: 15
Views: 5202

Re: First $1M Net Worth Milestone Achieved

Congrats! Hope to achieve that milestone in another 17 years or so...will take me a bit longer with my lower income. Very happy for you :).
by VAslim16
Mon Apr 03, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 9254

Re: Dream vacation spots?

The Gilis...off the island of Lombok in Indonesia. Paradise.
by VAslim16
Mon Apr 03, 2017 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 27097

Re: Low-earners- What is your profession?

Whit wrote:I teach. My household income is nowhere near 100k. If 100k was a ballpark, I would not even be in the parking lot. But I love what I do and we do just fine.


Another teacher here. Make about 60k annually.
by VAslim16
Wed Mar 29, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Expat Condo Purchase
Replies: 13
Views: 1157

Re: Expat Condo Purchase

Value. Great post. Thank you. I could afford to keep it empty. It would obviously not be an investment then...but it would be a place to live down the line and for a few months each year I am back. Please keep the ideas coming...especially those of you who have been in similar situations and made it...
by VAslim16
Wed Mar 29, 2017 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Expat Condo Purchase
Replies: 13
Views: 1157

Re: Expat Condo Purchase

I could afford to keep it empty. It would obviously not be an investment then...but it would be a place to live down the line and for a few months each year I am back. Please keep the ideas coming...especially those of you who have been in similar situations and made it work.
by VAslim16
Tue Mar 28, 2017 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Expat Condo Purchase
Replies: 13
Views: 1157

Re: Expat Condo Purchase

First, I have to tell that I never been in USA and I don't know the market. So my opinion is not into specifics about american real estate market. Now, there are some things that don't change because of the geography, I would recommend that you avoid buying a home in your situation. It needs a lot ...
by VAslim16
Tue Mar 28, 2017 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Expat Condo Purchase
Replies: 13
Views: 1157

Expat Condo Purchase

Hi everyone, I am an expat teacher who is out of the US for 9 months out of the year. I am 38 years old and recently have thought about buying a condo as a LT investment. I figure it could be my home when I am back in the US for summer and during the holiday time, and I could try and AirBnB it or re...
by VAslim16
Sat Mar 18, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 173
Views: 20032

Re: "Millionaire Next Door" Net Worth Formula

rabbitrun wrote:I'm 37 and so far off its kind of comical. :shock:


Just turned 38 and same for me. I am just about at 1/2 so am still a UAW. Hoping to be a PAW by doing things right over the next 7-10 years.
by VAslim16
Wed Mar 08, 2017 5:22 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 188
Views: 20650

Re: How Much in Your Emergency Fund And Is It Used?

Mine is about 15k. I would like to get it up to 36k eventually which should be enough for a year of expenses saved. I don't use it very often but like having the security for sure...
by VAslim16
Mon Feb 27, 2017 5:11 am
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 9306

Re: Used German Luxury vs New Japanese

I'll make this very simple. Go Japanese.
by VAslim16
Mon Feb 13, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 12703

Re: Who would quit playing if they already won?

Very hypothetical question as I am at least 18 years away from "winning" the game. But I like to think I would keep playing for a while longer right now. I like what I do for the most part and would not want to stop it just yet. That could and very possibly will change over the years but i...
by VAslim16
Sat Feb 11, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: Refurbished phones
Replies: 4
Views: 651

Re: Refurbished phones

Check out Swappa. I bought an S7 Edge and sold a Macbook Air on there. Good site and well run.
by VAslim16
Thu Feb 02, 2017 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 6537

Re: Milestone and gotta tell someone

Yep awesome job guys. Well done.
by VAslim16
Sat Jan 07, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 5069

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

Age 37. Stocks 80% bonds 20%. Will probably continue this for the next 10 years or so and then reevaluate.
by VAslim16
Fri Jan 06, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 8113

Re: 500K milestone celebration

As many others have said congratulations. 500K is an awesome achievement and I hope to be there in the next 10 years. I just hit 100K this past June and am hoping to hit 200K in 2 years (right before my 40th bday). I like reading posts like this to stay motivated and to share in others' success. Onc...
by VAslim16
Wed Jan 04, 2017 6:42 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 31807

Re: Whats your number to walk away?

$4 million for me.
by VAslim16
Tue Jan 03, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 270423

Re: What are you up YTD? [Year To Date]

Yep. 10.3% for 2016 per Vanguard. 50/50 split of VTI and VXUS.
by VAslim16
Wed Dec 28, 2016 2:20 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 9425

Re: How many of you invest 100% at Vanguard?

Yeah I'm 100% at Vanguard. My employer doesn't offer any retirement plan so I put everything into VTI and VXUS.
by VAslim16
Fri Dec 02, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: Apple vs. Samsung Android
Replies: 6
Views: 1038

Re: Apple vs. Samsung Android

If you are looking for value I would say go with the 6s. Since the 7 came out the 6s has dropped in price and it is a very good phone by itself.
by VAslim16
Thu Dec 01, 2016 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth now = $0!!
Replies: 30
Views: 6606

Re: Net Worth now = $0!!

Congrats Gman. I hit a $0 net worth right around my 34th birthday...but mainly due to dumb spending habits. I am a teacher so my salary isn't great but in 3.5 years since then I've built my NW to about $110K. Keep doing what you are doing and let the magic happen slowly...:)
by VAslim16
Tue Nov 15, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 574
Views: 150889

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
Fri Nov 11, 2016 7:57 am
Forum: Personal Consumer Issues
Topic: Looking for recommendations on aerobic exercise equip.
Replies: 55
Views: 3466

Re: Looking for recommendations on aerobic exercise equip.

leonard wrote:Concept2 rower. Monitor Craigslist for possible deals.


Another vote for a C2 rower. Another option for me would be an assault bike.
by VAslim16
Sat Aug 27, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: What to do next with "extra" money
Replies: 21
Views: 3162

Re: What to do next with "extra" money

Another +1 for attacking the mortgage...whether you refi or just pay additional amounts monthly. You could also start a separate fund for the car and build that slowly...those would be my two leans.
by VAslim16
Sat Jul 16, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Traits of Happiest Retirees
Replies: 82
Views: 13811

Re: Traits of Happiest Retirees

Cool post...thanks for this. Got 7 (#s 7,11,13,15-18) of these @ 37 right now...hoping to be retired in 18 more years. Hopefully can work on #s 8 and 9 ha.
by VAslim16
Tue Jul 12, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 16426

Re: Are you going to shop on Prime Day?

The new kindles are now on sale on amazon.com for the next 12 hrs. New Kindle paper white black or white is 89.99 (regular 119.99). New kindle is 49.99 (reg 79.99). I believe this deal is available only to prime members one per account. My wife's account is linked to mine and we were each able to o...
by VAslim16
Sun Jul 10, 2016 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 29479

Re: Where were you financially when you were at 30?

Not sure exactly as I didn't start tracking my finances until I was 32.

My guess is about 45K in debt. Yep...not pretty.

Since then I've turned things around and although I am nowhere close to lots of people on here I'm proud about the direction in which I'm headed.

Love this Forum.
by VAslim16
Fri Jul 01, 2016 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: How far Behind am I?
Replies: 9
Views: 1726

Re: How far Behind am I?

Hi everyone, Well today is an exciting one for me. I was doing my monthly finances and with this last surge by the market, I have hit the 100,000 net worth mark! I'm pretty excited as I was a late starter and it took me to age 37 to get there...but overall how do you guys think I am doing? I don't ...
by VAslim16
Fri Jul 01, 2016 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: How far Behind am I?
Replies: 9
Views: 1726

How far Behind am I?

Hi everyone, Well today is an exciting one for me. I was doing my monthly finances and with this last surge by the market, I have hit the 100,000 net worth mark! I'm pretty excited as I was a late starter and it took me to age 37 to get there...but overall how do you guys think I am doing? I don't m...
by VAslim16
Tue Jun 21, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Credit Card
Replies: 31
Views: 3961

Re: Ally Bank Credit Card

what are your thoughts on the Blue Cash PreferredĀ® Card from American Express? 6% Cash Back at US supermarkets up to $6,000 per year in purchases (then 1%). 3% Cash Back at US gas stations and select U.S. department stores. 1% Cash Back on other purchases. That's actually my preferred card. They ar...
by VAslim16
Mon Jun 20, 2016 8:54 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1852
Views: 1122646

Re: The Three-Fund Portfolio

I'm pretty extreme for this site. I chose 50/50 when I first started and even tho int has been getting crushed I'm staying the course. I bet most on here would agree that sticking with what you decided initially is super important.
by VAslim16
Sun Jun 19, 2016 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Anyone heard of United World Colleges?
Replies: 20
Views: 1587

Re: Anyone heard of United World Colleges?

These are fantastic schools. I'm a HS math teacher and although they aren't as well known in the US they are legit. The one in NM would be an interesting place to study/teach for sure :)
by VAslim16
Fri Jun 03, 2016 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Best Card (debit/credit) to travel with
Replies: 25
Views: 2461

Re: Best Card (debit/credit) to travel with

+1 Capital One Quicksilver
by VAslim16
Sat May 21, 2016 6:42 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 25577

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

I'm a high school teacher so I guess I consider myself blue collar. If I ever make 6 figures I will be ecstatic... I am so pumped to have found this forum and my one big regret is that it took me until my mid thirties to really start handling my money correctly. I am happy with how I am doing things...
by VAslim16
Tue May 03, 2016 10:40 pm
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 9575

Re: How many funds in your portfolio?

2 for me. VTI and VXUS
by VAslim16
Mon Mar 28, 2016 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Best & Worst Financial Decisions?
Replies: 92
Views: 10477

Re: Best & Worst Financial Decisions?

Worst: Not investing until my mid 30s and buying too much stuff I didn't need before that.
Best: Quitting a job I hated at 24. Worked some temp jobs in between but it led to me starting a career at 27 that I love and that pays me decent.
by VAslim16
Sun Mar 27, 2016 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Your first $100k
Replies: 52
Views: 9689

Re: Your first $100k

Just turned 37 and am at about 85K. You are well ahead of alot of us. I will hit 100K hopefully in a few months and hopefully get to 200K by 40. Keep it up and be proud of where you are at a lot younger age :).