Search found 423 matches

by Hawaiishrimp
Mon Jul 16, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 5981

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

Have a conversation with them. If ignored, send them a formal letter. If ignored, legal letter from a law firm. Usually you won't need to get this far.
by Hawaiishrimp
Mon Jul 16, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 9542

Re: What rate of return are you using for retirement projections?

I use 4%, 7% and then assume it will fall somewhere in between for my projection.
by Hawaiishrimp
Mon Jul 16, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4074

Re: All-In VTSAX

All these posts make me want to increase my international allocation to market weight instead of 30 percent. If everyone wants to market time in one direction based on recency bias, I figure the opposite is the way to go. Although I will likely just stay the course and it won't make much difference...
by Hawaiishrimp
Sun Jul 15, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4074

Re: All-In VTSAX

You've got to have a portfolio you can stick with and rebalance to through thick or thin, so you'll have to get to know yourself better to make this decision. Were you invested through the dot-com run up and crash around 2000? I ask because I remember so vividly the large number of articles and exp...
by Hawaiishrimp
Sun Jul 15, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4074

Re: All-In VTSAX

Staying the course is very important, but as someone else pointed out, you are overweight South Korea holding those two funds. Why not simplify by holding a Total International fund if your Emerging Markets percentage is roughly what those funds hold? At the least, switching IEMG to VWO would take ...
by Hawaiishrimp
Sun Jul 15, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4074

Re: All-In VTSAX

I suspect there are a large percentage of folks, including myself, that would agree with your simplification and reasoning behind it. However, I think that 10 -20 years from now, either path you take would not have a huge difference in ending value and overall returns. Over time, each would rise an...
by Hawaiishrimp
Sun Jul 15, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4074

Re: All-In VTSAX

You aren't really asking for "thoughts" when you proclaim "there's no need for Int'l" - you're making a statement and wanting people to agree. If you only want simplicity just go with VTWSX or VT(Vanguard Total World). It sounds like you have recency bias and a crystal ball so all good with VTSAX. ...
by Hawaiishrimp
Sun Jul 15, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4074

Re: All-In VTSAX

You aren't really asking for "thoughts" when you proclaim "there's no need for Int'l" - you're making a statement and wanting people to agree. If you only want simplicity just go with VTWSX or VT(Vanguard Total World). It sounds like you have recency bias and a crystal ball so all good with VTSAX. ...
by Hawaiishrimp
Sun Jul 15, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4074

Re: All-In VTSAX

averagedude wrote:
Sun Jul 15, 2018 3:43 pm
I wonder how many people would consider dumping VTSAX and go all in international if the 10 year returns were reversed?
Not gonna lie. It certainly affects my decision, be it big or small. We are just humans.
by Hawaiishrimp
Sun Jul 15, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4074

Re: All-In VTSAX

What is the reasoning behind this? Do you feel that VTSAX will outperform international stocks going forward? I'd say (ironically enough) that getting rid of EM and developed international stocks is acceptable from a Jack Bogle standpoint, but not really from a Bogleheads standpoint, since you are ...
by Hawaiishrimp
Sun Jul 15, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 182
Views: 25380

Re: Torn between Vanguard, Fidelity and Schwab

Fidelity preferred.

Local office near my place. Great customer service. Reliable IT.
by Hawaiishrimp
Sun Jul 15, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4074

Re: All-In VTSAX

Dividends are nice for Int'l, I'm still on the fence with this one. To be honest..
by Hawaiishrimp
Sun Jul 15, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4074

All-In VTSAX

HI BH friends, Thinking about getting rid of IEMG and VEA and all-in VTSAX . This is for retirement fund. I am asking for advice if getting rid of emerging market and international are acceptable from boglehead investment style? i.e, I am trying to consolidate more and more into 2 Fund portfolio. Th...
by Hawaiishrimp
Sun Jul 15, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in early 2019.
Replies: 30
Views: 2934

Re: Retiring in early 2019.

Besides emergency fund,
1. 50% in VTSAX
2. 50% in VTBLX
3. Set SWR to 3.5%

Congrats and enjoy your retirement.
by Hawaiishrimp
Tue Jul 10, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: Retirement location and things to consider
Replies: 12
Views: 1665

Re: Retirement location and things to consider

May I ask why would anyone with your level of resources want to move out of San Diego? Hi there, I have lived here in SD all my life, just want to try somewhere more 'wet' and less 'dry'. I love the rain and prefer somewhere less hot and more humid. Pacific northwest is where I'm considering. Thanks.
by Hawaiishrimp
Tue Jul 10, 2018 12:01 am
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 9085

Re: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters

My thought is: I am happy with my current approach: 100% stocks. I will consider moving some to Bonds when I reach close to wealth distribution phase of my life.
by Hawaiishrimp
Fri Jul 06, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Retirement location and things to consider
Replies: 12
Views: 1665

Retirement location and things to consider

Hi BH friends, We are planning way ahead of retirement and seeking your advice. We are aiming to be FIRE in 7-10 years with $3 - $3.5 MM portfolio. Not counting our current primary residence. By then, mortgage payment will be done. We live in San Diego our whole life but would like to retire somewhe...
by Hawaiishrimp
Fri Jul 06, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33911

Re: What is/ was your career and would you recommend it now?

Program Management. Yes, I recommend it. I fit my personality and work style.
by Hawaiishrimp
Fri Jul 06, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14887

Re: How to "retire" in your 30's article

Basically, people have negativity toward this particular "FIRE" story is because he's not really FIRE, he's a SAHD while his wife subsidizing his lifestyle. Again, nothing wrong with that as long as both parties agree to this arrangement. No one should judge him for it. It's their own personal decis...
by Hawaiishrimp
Fri Jul 06, 2018 12:16 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14887

Re: How to "retire" in your 30's article

As far as the negativity of this thread, no one has yet talked about the elephant in the room. :beer I think some of the negativity may be related to Soft Rice Eating. (Link: https://www.youtube.com/watch?v=l2e04l6z7N4) I don't necessarily feel that way toward you, but I can see how others may think...
by Hawaiishrimp
Wed Jul 04, 2018 12:04 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8183

Re: What % of your equity is int’l?

Gort wrote:
Sat Jun 30, 2018 10:57 pm
2:1 US:International = 67% US, 33% International.
Me too.
by Hawaiishrimp
Sat Jun 30, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 73
Views: 8565

Re: Do you invest in Real Estate ? Why ?

Yes, rental property making 10% fixed return. Why? It's good investment.
by Hawaiishrimp
Wed Jun 27, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Time to buy.
Replies: 10
Views: 2407

Time to buy.

Time to buy and I did. I am buying more VTSAX today. Not sure if it's the right timing or not. I really can't tell. But I have disposable cash on hand, so I may as well put that in the stock market. :dollar :greedy :dollar :greedy
by Hawaiishrimp
Wed Jun 27, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21137

Re: Can you retire on $2M?

I have over 100 games on Steam, GOG, etc that I haven't even touched yet that I need to play (for reference, my most-played Steam game is at about 860 hours). I have a list of about 800 movies that I want to see (we own about 200 DVDs/Blu-ray so far and will acquire many more by retirement). Ones t...
by Hawaiishrimp
Wed Jun 27, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Do you/How do you stress-test your plan?
Replies: 29
Views: 1537

Re: Do you/How do you stress-test your plan?

No, not really. It's too much stress. I just save a big enough buffer to cover the risk.
by Hawaiishrimp
Tue Jun 26, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12121

Re: When did you start flying business class?

Not started yet. I am cheap.
by Hawaiishrimp
Sun Jun 24, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5139

Re: Help - investor starting later in life

As Dave Ramsey said, and I agree, the #1 determining factor to building wealth is Saving Rate. You have not been saving enough to allow you to retire in 12-15 years. Two things you have to do to address that: 1. Save significantly more 2. Spend less, live below your means All the SWR, AA, funds to ...
by Hawaiishrimp
Sat Jun 23, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5139

Re: Help - investor starting later in life

As Dave Ramsey said, and I agree, the #1 determining factor to building wealth is Saving Rate. You have not been saving enough to allow you to retire in 12-15 years. Two things you have to do to address that: 1. Save significantly more 2. Spend less, live below your means All the SWR, AA, funds to p...
by Hawaiishrimp
Sat Jun 23, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Respectfully Looking for Advice
Replies: 20
Views: 2493

Re: Respectfully Looking for Advice

Welcome to BH. Here's my suggestions: 1. Sell both cars and get something you can pay cash with. You have too much cars. 2. Max out 401k in both acounts. 3. Max out Roth IRA in both accounts. 4. Leave 3 months cash as emergency fund and move the rest to VTSAX. 5. Live below your means and save like ...
by Hawaiishrimp
Fri Jun 22, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14976

Re: How much (green) cash at home for emergency ?

~$1000 - $1500 cash in hands
~$10k in the bank

The rest of the money are working for me.
by Hawaiishrimp
Fri Jun 22, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 15252

Re: Did you celebrate when you finally hit $1m?

I don't recall that we did any celebrating. I think it just happened and we noted it as a milestone, as we had a fair way to go to retirement. Hitting $1M reinforced our investment approach and allowed us to not panic and stay steady through the great recession. A $1M asset base throwing off reinves...
by Hawaiishrimp
Fri Jun 22, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: I want to cash in VTSAX
Replies: 21
Views: 1514

Re: I want to cash in VTSAX

I purchased 20K in VTSAX about a year ago. I'm up 15% in 1 year. If I sell today, and then buy the shares back at another upcoming low, will this be to my benefit? Or will I lose some gains in the long-term by repurchasing at a higher price than my original purchase? Wow, you have a lot of learning...
by Hawaiishrimp
Fri Jun 22, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

I have decided not to buy the sport car for a while. After careful consideration, I'd rather reach $3.0MM first. That is always my primary goal. Need to keep that in focus.
by Hawaiishrimp
Thu Jun 21, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 109263

Re: Anyone regret paying off mortgage early?

No, I will not pay off my mortgage early. I am at 2.5% fixed. I rather grow my portfolio than wasting the opportunity cost to build wealth. That "sense of security" is too costly. A friend of mine paid off his house rather than saving for FIRE. All of his net worth is sitting still in home equity an...
by Hawaiishrimp
Thu Jun 21, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21137

Re: Can you retire on $2M?

At 3.5% withdraw rate, at $2MM, if you can live within $70k pre-tax annually, you should be fine to retire.
by Hawaiishrimp
Tue Jun 19, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 12511

Re: Retire at 50: Should I?

EricJ wrote:
Mon Jun 18, 2018 5:56 pm
Short Version: $3.1M invested at age 50. Can I quit and go fishing now? Please?

Yes, please go buy some nice fishing rods and start fishing. You are done. And, come back and let us know some good fishing spots. Thanks! :sharebeer
by Hawaiishrimp
Tue Jun 19, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

May I give you a bit of a different discussion. I get where you are coming from. You make good money, and have been saving it for years to create the wealth that you have. Spending it frivolously on something so silly as a fancy car just seams down right stupid because any car gets you from A to B....
by Hawaiishrimp
Tue Jun 19, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

The M240 isn't really worth it. The M2 is not all that much more if you pick similar options and the M2 drives a lot better. I've had both the M240 and the M2 on the track and while the M240 is pretty good, the M2 is friggin awesome. The M2 offers more steering feel than the M240 (still numb compar...
by Hawaiishrimp
Tue Jun 19, 2018 1:58 am
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

The M240 isn't really worth it. The M2 is not all that much more if you pick similar options and the M2 drives a lot better. I've had both the M240 and the M2 on the track and while the M240 is pretty good, the M2 is friggin awesome. The M2 offers more steering feel than the M240 (still numb compar...
by Hawaiishrimp
Mon Jun 18, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

Glockenspiel wrote:
Mon Jun 18, 2018 10:24 pm
Hawaiishrimp wrote:
Mon Jun 18, 2018 4:48 pm

My salary range is: $175k annually
Is this combined income? If so, I’d buy Mazda6, Honda Accord, or Toyota Camry Hybrid. If you really want to splurge, buy an Acura TL.
Not combined, just mine.
by Hawaiishrimp
Mon Jun 18, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

If you live in a no-snow area (Hawaii?) you should buy a new BMW M240i; if you live in a snow area you should by a new M240i xDrive. You should be able to get either one for under $50K. You should buy it new so you will have the pleasure of a new car with BMW's four year warranty coverage and so yo...
by Hawaiishrimp
Mon Jun 18, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

I’m in a similar situation. Need a new can in next 12-18 months. Just about FI today. I paid in the mid 40s for my last car which I thought was a lot. Now even though I could pay cash for anything, I find myself eying the new accords. I know, so lame. It’s really hard for me to shake my frugal root...
by Hawaiishrimp
Mon Jun 18, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

The answer for questions like this is always, "It depends." It mostly depends on your other financial goals. If you spend $1 here, you can't spend it there. It would be perfectly reasonable for you to spend anywhere from $20,000 to $80,000 on a car. Perhaps more, perhaps less. Only you can determin...
by Hawaiishrimp
Mon Jun 18, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

arsenalfan wrote:
Mon Jun 18, 2018 4:59 pm
You should buy a 5 door 2018 GTI with DSG (or stick).
No more, no less. $25k out the door - go ahead and buy new if you want and keep for 10+ years.
Why GTI? May I ask?
by Hawaiishrimp
Mon Jun 18, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

Daryl wrote:
Mon Jun 18, 2018 5:36 pm
Honda Civic.

I could afford to drive a "status symbol", but why? The new Civics are a lot of fun!
Civic is on my list.
by Hawaiishrimp
Mon Jun 18, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

For someone like you in a very comfortable financial position, who may value your time at a significant rate, maybe a lease is your best option. You are only tied up for say 3 years, and the car will be under warranty the entire time. Rinse and repeat at a reasonable monthly cost and never have to ...
by Hawaiishrimp
Mon Jun 18, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

Re: How much car to buy reasonably?

Kenkat wrote:
Mon Jun 18, 2018 5:17 pm
Considering that your avatar is a yellow BMW, you should buy a yellow BMW.
With all the bad things I heard about BMW reliability and high cost of maintenance, I am probably not considering BMW... unfortunately.
With the exception of M240 or M2... I really like that car look and sound.
by Hawaiishrimp
Mon Jun 18, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5464

How much car to buy reasonably?

Hi there, I am looking to buy a daily car for commute and fun. I am planning to buy used/certified vehicle in order to avoid the huge initial depreciation. Some of the cars I am considering (used/certified): Miata, BRZ, 911 or Cayman, audi a5/s5, etc. Fun to drive is what I'm looking for. Early 40's...