Search found 36 matches

by sedna273
Thu Aug 20, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Are emergency funds for suckers?
Replies: 202
Views: 16002

Re: Are emergency funds for suckers?

Hi there, When I was just starting out, having an emergency fund was beneficial to my peace of mind - it took just about every penny in my paycheck to meet my daily living expenses while also putting money away into a Roth. Now that I've gotten my financial feet under me, I prefer to hold ~1-2 month...
by sedna273
Tue Aug 11, 2020 4:13 pm
Forum: Personal Investments
Topic: UTMA - Taking Custody w/out financial advisor
Replies: 6
Views: 507

Re: UTMA - Taking Custody w/out financial advisor

Thank you all! An update: Was able to manage everything through American Funds - they sent over some forms to fill out and send in. AF did encourage hiring a financial advisor, but they said I could transfer the funds in kind and then designate an advisor later...or not at all. Since I handled all t...
by sedna273
Sun Aug 09, 2020 1:18 pm
Forum: Personal Investments
Topic: UTMA - Taking Custody w/out financial advisor
Replies: 6
Views: 507

UTMA - Taking Custody w/out financial advisor

Hi everyone, I wanted to ask if anyone here has experience taking custodianship of an UTMA account, and also ask what options there might be (sell?) if the holding company requires you to have a financial advisor and you see no need for one. I have three actively managed funds in an UTMA that I thou...
by sedna273
Mon Jun 15, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: Feminine Beauty Products - best bang for your buck?
Replies: 35
Views: 3481

Re: Feminine Beauty Products - best bang for your buck?

Sunscreen: Neutrogena Sheer Touch - doesn't leave too much of a white cast if you have darker skin, affordable, and not too greasy. Acne scars: The Ordinary has a "Buffet" serum that worked to help even out my skin. I had small pockmarks and brown spots but this helped fade it. Face wash: I like Ave...
by sedna273
Sun Jun 07, 2020 3:42 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3208
Views: 552832

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

AA: 95/5.

Net worth is about equal to where I was in early Feb - go figure!
by sedna273
Sun Apr 19, 2020 12:39 pm
Forum: Investing - Theory, News & General
Topic: SWR Data: 6.5 Million Possibilities Considered
Replies: 152
Views: 7324

Re: The only safe withdrawal rate is one under 3%

It will depend on your time horizon. 4% is based on the Trinity study, which assumed a 30 year retirement. For those who are looking at a longer time horizon for their retirement to stretch, or have health problems that run in the family, a lower SWR is probably wise. I've seen some folks base their...
by sedna273
Mon Mar 30, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17955

Re: What will you do first, once COVID pandemic is over?

1) I'll say hello to my family and friends in person, with big hugs and 2) dine in at a restaurant with good company from the previous category.
by sedna273
Mon Mar 30, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6722

Re: What's worth paying more for?

I echo folks who say shoes; buy cheap and you'll be buying often (and your dogs will be barking too)! I also consider good merino wool socks (Darn Tough) and travel underwear (Ex Officio) worth the money for avid hikers and backpackers. Quality knives if you cook often. A backpack with padded straps...
by sedna273
Tue Mar 17, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57795

Re: How to get Toilet Paper ? seriously.

It's more expensive per unit, but my friend found a couple of rolls at Dollar Tree for $1/each. I think Kleenix could also work as a substitute. Personally thought I have a bidet (worked in Asia for a year and found I quite liked them. Get a cold water one and it's better than coffee in the morning!...
by sedna273
Thu Jan 23, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: FB
Replies: 356
Views: 38170

Re: Anyone Deleting Facebook?

I had it for a few years, realized it was a massive time sink that offered only marginal benefits, and deleted it in 2014. Never missed it, or many of the other social media sites I've deleted my profile from.
by sedna273
Wed Jan 15, 2020 12:57 pm
Forum: Personal Consumer Issues
Topic: strong role model books for 8 YO girl
Replies: 53
Views: 3510

Re: strong role model books for 8 YO girl

Depends on how advanced a reader she is. I think in 3rd/4th grade the books I enjoyed were: Boxcar Children, Nancy Drew, Animorphs, and the fantasy novels of Tamora Pierce. I also read (and will re-read even today) Phillip Pullman's "His Dark Materials" series and Garth Nix's "Sabriel".
by sedna273
Sun Jan 12, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 94824

Re: What age did you reach 100K networth?

I think it was around age 26, maybe 26.5. Having a "real" salaried job really helped to accelerate my asset growth. I worked two jobs all through college so student debt was minimal.
by sedna273
Tue Dec 31, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: What Are Your 2020 Goals?
Replies: 56
Views: 12227

What Are Your 2020 Goals?

Hi Bogleheads, I'm curious what your goals will be for the upcoming year, and how money will serve them. Earlier this year I had a near-death experience, and there's something about sustaining massive blunt force trauma that provides clarity (must be all those weeks lying in bed!). So in 2020 I'll b...
by sedna273
Sun Dec 29, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Your best deal from Craigslist
Replies: 46
Views: 4285

Re: Your best deal from Craigslist

I've gotten a few ugly pieces of furniture off of Craigslist for free, and been able to refurbish them. For example, this past spring I got a dresser that had water damage/moderate warping on the bottom of a drawer (tore out and replaced the plywood), had no handles (quick trip to Home Depot) and sa...
by sedna273
Sun Dec 29, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Prefer spending money on investing rather than "things"? Is this weird?
Replies: 37
Views: 2825

Re: Prefer spending money on investing rather than "things"? Is this weird?

I’m the same way. I invest a lot of what I get. Personally I don’t even know what my end goal is. I just don’t like wasting money on things I don’t need. I’m single however, will be hard to find a girl that has the same outlook as me. You're pretty much in the same mold as me. I'm way too old for y...
by sedna273
Thu Dec 26, 2019 12:29 am
Forum: Investing - Theory, News & General
Topic: My Christmas Gift to You Seventy-Five Years Ago
Replies: 74
Views: 7191

Re: My Christmas Gift to You Seventy-Five Years Ago

Thank you for sharing your story, and for your service. Both of my grandfathers also served in the European theater, and neither of them talked much about what they'd experienced to me, their young grandchild. Unfortunately dementia and death took them before I really could understand what they'd sa...
by sedna273
Mon Dec 23, 2019 12:41 am
Forum: Investing - Theory, News & General
Topic: Too poor to invest - living in the 12% bracket
Replies: 114
Views: 12167

Re: Too poor to invest - living in the 12% bracket

Hi there, I was in a somewhat similar situation to you not too long ago. As a young college grad who chose a liberal arts major, my first jobs were hourly, and I worked more than one. And my first salaried job was barely above $20k/yr (nonprofit), so I did gig work on the weekends. If it helps illu...
by sedna273
Tue Dec 17, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: Too poor to invest - living in the 12% bracket
Replies: 114
Views: 12167

Re: Too poor to invest - living in the 12% bracket

Hi there, I was in a somewhat similar situation to you not too long ago. As a young college grad who chose a liberal arts major, my first jobs were hourly, and I worked more than one. And my first salaried job was barely above $20k/yr (nonprofit), so I did gig work on the weekends. If it helps illum...
by sedna273
Fri Dec 13, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 102
Views: 7745

Re: Which iPhone would you buy today?

None today, I still use an iPhone 5 that has inexplicably survived being dropped, drowned, and dipped in oil (don't ask, small children may have been involved). Until it kicks the bucket, I see no need to cut ties with such a trooper. With that said, I've heard nothing but good things from my more m...
by sedna273
Mon Dec 02, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5912
Views: 1395249

Re: What Movie Have You Recently Watched?

I recently rented "Tigers are not Afraid." It's a short (under 90min) film that follows a group of orphaned children somewhere in Mexico who are fleeing a drug cartel, armed with three wishes, although every time they are used there's a Monkey's Paw type effect. It feels reminiscent of Guillermo del...
by sedna273
Tue Oct 22, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13753

Re: Ok to go without health insurance?

Not at all recommended to go it alone, surely in your profession you've seen how quickly medical expenses can add up! The past general good health of your family shouldn't be an indicator of how your future healthcare expenses play out. An unforeseen event could arise that easily drains your assets:...
by sedna273
Wed Jul 25, 2018 7:19 pm
Forum: Personal Investments
Topic: 28yo Needs Help with 401K and Personal Investments
Replies: 19
Views: 2188

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: Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1906

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: Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1906

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: Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1906

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: Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1906

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: Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1906

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: 11807

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: Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1906

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: 5534

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: 588
Views: 51920

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: 51952

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: Personal Investments
Topic: 25 years old, newbie investor making under 30k/yr
Replies: 8
Views: 2129

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: 5912
Views: 1395249

Re: What Movie Have You Recently Watched?

I saw "Birdman" last night working through the "Academy Awards" netflix queue. It was certainly an odd one.
by sedna273
Mon Apr 06, 2015 1:39 pm
Forum: Personal Investments
Topic: 25 years old, newbie investor making under 30k/yr
Replies: 8
Views: 2129

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: Personal Investments
Topic: 25 years old, newbie investor making under 30k/yr
Replies: 8
Views: 2129

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 ...