Search found 116 matches

by VAslim16
Tue Jan 15, 2019 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11140

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: 903
Views: 232824

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: 903
Views: 232824

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: 5772

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: 107987

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: 1705

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: 14675

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: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 72
Views: 10309

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: 163
Views: 16054

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: 10533

Re: Post Your Morningstar Box Style

26 25 26
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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: 12676

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: 10112
Views: 1784481

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: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 14239

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: 3522
Views: 1033918

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: 10112
Views: 1784481

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: 80
Views: 12973

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: 213
Views: 40946

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: 6630

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: 20900

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: Investing - Help with Personal Investments
Topic: Investing at Age of 78
Replies: 7
Views: 1508

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: 2618

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: 6111

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: 5733

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: 13624

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: 5953

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: 44
Views: 6727

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: 11374

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: 2452

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: 100675

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: 3101

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: 8475

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: 2342

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: 2342

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: 13906

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: 5716

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: 10807

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: 306
Views: 41091

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: 1317

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: 1317

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: 1317

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: 1317

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: 178
Views: 28034

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: 197
Views: 28251

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: 12542

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: 14418

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 it is nice ...
by VAslim16
Sat Feb 11, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: Refurbished phones
Replies: 4
Views: 1933

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: 7685

Re: Milestone and gotta tell someone

Yep awesome job guys. Well done.