Search found 15 matches

by sedna273
Wed Jul 25, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: 28yo Needs Help with 401K and Personal Investments
Replies: 19
Views: 1973

Re: 28yo Needs Help with 401K and Personal Investments

Thank you everyone for all of your guys advice. I truly appreciate everyone taking the time out of their day. I do have one extra little question... - So we have our 401K figured out. - We are planning on each doing Roth IRAs and will be setting those up Friday (our next day off) Any ideas on inves...
by sedna273
Wed Jul 25, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1790

Re: 28 years old and Accumulating

You can transfer Vanguard mutual funds "on line". It's very easy. I would suggest you get onto your Vanguard account & play around with it to become familiar with how it works. I'm not suggesting you switch out of Wellington, just figure out what things you can do. You can put your cash in the Vang...
by sedna273
Wed Jul 25, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1790

Re: 28 years old and Accumulating

@sandtrap, Thank you! I am a big fan of those high yield interest accounts, and will start looking into those laddered CDs and treasuries. @lostdog,I definitely feel that being such a saver had given me a better measure of security than most; many of my colleagues are "grinning and bearing it" where...
by sedna273
Tue Jul 17, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1790

Re: 28 years old and Accumulating

Looks good. I make a similar amount and roughly similar number. Curious though, is that all saved from your current income? or did you acquire any assets from family? 200k saved by 28 on 60-70k is impressive. Either way, doing very very well. Congrats to you too trojans! The majority of this is my ...
by sedna273
Tue Jul 17, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1790

Re: 28 years old and Accumulating

You're doing amazingly well! 1. I agree that you don't need to buy a house at this stage. You want to maintain flexibility to move for a job, plus home ownership will come with lots of expenses you don't need. 2. Yeah, you're really cash heavy, especially given your very low level of expenses. Star...
by sedna273
Tue Jul 17, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1790

Re: 28 years old and Accumulating

Questions: 1. Am I holding too much cash? I know that inflation will chip away at the value of my dollars every year, but I also am unsure where to hold my potential home down payment (should I choose to pull that trigger) since the rate of return on various bank's CDs is roughly the same as my hig...
by sedna273
Tue Jul 17, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10459

Re: Why own a bed?

I worked in South Korea and slept on the floor on a futon mattress since I didn't want to buy furniture for a year-long contract - then the giant bugs of summer came around and invaded my apartment. Lesson learned - if you sleep on the floor everyday, you also MUST fold up and store your futons ever...
by sedna273
Tue Jul 17, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1790

28 years old and Accumulating

Hi there, Bogleheads! It's been a little over three years since I first joined these forums, and I've really learned a lot from everyone (primarily from lurking - hah!). My personal situation has changed a lot from when I first posted at age 25 https://www.bogleheads.org/forum/viewtopic.php?t=162813...
by sedna273
Sat Feb 24, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 65
Views: 4676

Re: I week in California, Road Trip Planning

Hi there, A +1 on taking Highway 1, absolutely beautiful scenery! If you stop in Santa Cruz I'd check out Natural Bridges for beaches, and UC Santa Cruz for the forest and funky 60's college vibe. Downtown Santa Cruz has a lot of neat little shops. If you go to San Jose and want to visit the arena, ...
by sedna273
Wed Feb 21, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42394

Re: What UN-frugal thing do you do?

Buying comfortable and durable shoes. I work in a professional environment, so finding women's shoes that are office appropriate, of good quality, and comfortable is challenging. My go to are Italian leather shoes, which I resole for years until my cobbler says to let them go. I consider the saved b...
by sedna273
Sat Apr 11, 2015 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 36845

Re: Cost of College & Weighing the Merits of Top Schools

My perspective will be as a recent graduate, not a parent. I went to a public, in-state University that wasn't top-ranked nationally but had solid offerings and a price I could afford without taking out anything higher than a low-five figure amount of debt. I also got into schools that are regularly...
by sedna273
Fri Apr 10, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: 25 years old, newbie investor making under 30k/yr
Replies: 8
Views: 2061

Re: 25 years old, newbie investor making under 30k/yr

Thanks kenyan and lack_ey! I've refiled my taxes to get the saver's credit. As for Wellington, I'll look into other funds from Vanguard to see what the options are. Thanks again for your advice!
by sedna273
Mon Apr 06, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3899
Views: 1090132

Re: What Movie Have You Recently Watched?

I saw "Birdman" last night as my uncle works his way through his "Academy Awards" netflix queue. It was certainly an odd one, and I kept wondering if the main character was schizophrenic.
by sedna273
Mon Apr 06, 2015 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: 25 years old, newbie investor making under 30k/yr
Replies: 8
Views: 2061

Re: 25 years old, newbie investor making under 30k/yr

@BL, thank you for the "If You Can" pdf file. It is very helpful and I plan on going down to the library this weekend to do the assigned reading and have read the Wiki on the 3 fund portfolio. I agree that the American Funds account has a high ER. It was my first purchase fresh out of college and I ...
by sedna273
Sat Apr 04, 2015 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: 25 years old, newbie investor making under 30k/yr
Replies: 8
Views: 2061

25 years old, newbie investor making under 30k/yr

Personal stats: Age: 25 $27k/yr salary pre-tax (non-profit entry level job) Tax Filing Status: Single Tax Rate: 15% Federal, 4% State + $284 (marginal) State of Residence: CA Cash: 30K in cash earning 0.90% in a high yield savings account. Emergency fund: $20K Debt: Debt free! I carry a credit card ...