Search found 109 matches

by VAslim16
Sat Jun 02, 2018 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13237

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: 55
Views: 6559

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: 12487

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: 8408

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: 11007

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 freefall
Replies: 6593
Views: 1429930

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: 12870

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: 3060
Views: 943872

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 freefall
Replies: 6593
Views: 1429930

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: 8363

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: 199
Views: 36579

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: 5976

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: 18986

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: 1370

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: 2352

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: 5685

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: 5312

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: 13046

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: 5514

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: 5904

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: 10640

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: 2196

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: 250
Views: 58676

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: 2881

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: 7608

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: 2164

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: 2164

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: 12635

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: 5555

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: 9908

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: 30361

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: 1259

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: 1259

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: 1259

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: 1259

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: 23416

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: 23815

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: 11646

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: 13810

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: 1425

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: 7284

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: 127
Views: 12870

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: 8654

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: 35027

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: 1857
Views: 339590

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: 10641

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: 1105

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: 6971

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...:)