Search found 703 matches

by Texanbybirth
Wed Apr 18, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 82
Views: 5080

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

...So, what am I to conclude? course of action?... In my case, my chosen course of action is: Ignore "innovative" mutual funds that, for the first time, finally bring to retail investors strategies and asset classes, formerly available only to sophisticated wealthy investors, hedge funds, and insti...
by Texanbybirth
Tue Apr 17, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: The World in 2050 — GDP & Stock Market Capitalization
Replies: 52
Views: 3781

Re: The World in 2050 — GDP & Stock Market Capitalization

These kinds of threads (along with tax discussions) are some of the most fascinating to me on BH. Thank you all for the reasoned discussion!
by Texanbybirth
Fri Apr 13, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 11411

Re: Work Commute: How far is too far?

My commute is 30-40 minutes each way (24 minutes if 0 traffic). It's killer (to me) because I'm away from my wife and kids longer. We used to live <=15 minutes from the office on city streets, but we couldn't afford a house in the neighborhood. I would not do any longer, but I also wouldn't move JOB...
by Texanbybirth
Fri Apr 13, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: [ANOTHER!] HSA/HDHP or PPO plan?
Replies: 10
Views: 592

Re: [ANOTHER!] HSA/HDHP or PPO plan?

The deductibles are calendar year (Jan - Dec), but the plan year is Jun - May. We only have one open-enrollment period, in May, and then the choice sticks (barring a qualifying event, like having a kid or getting married, all of which we've experienced in the last few years) till the next May. It's ...
by Texanbybirth
Fri Apr 13, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: [ANOTHER!] HSA/HDHP or PPO plan?
Replies: 10
Views: 592

Re: [ANOTHER!] HSA/HDHP or PPO plan?

Employer HSA Contribution: $4k (yes, $4,000, once per month), we put in the rest (per paycheck, not lump sum) up to the IRS max. If it's really $4k per month, it's a no brainer. I assume you meant per year. All deductibles RESET on Jan 1, not PLAN YEAR. This has proven important in the past when sw...
by Texanbybirth
Fri Apr 13, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: [ANOTHER!] HSA/HDHP or PPO plan?
Replies: 10
Views: 592

Re: [ANOTHER!] HSA/HDHP or PPO plan?

Are you sure about your description of the PPO? Especially the deductible amount? As written, the two options are extremely similar, except the $4k that you get in the HDHP, which makes the decision pretty easy. Yes, the deductibles and OOP Max amts are the same under each plan. The PPO is pretty m...
by Texanbybirth
Thu Apr 12, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: [ANOTHER!] HSA/HDHP or PPO plan?
Replies: 10
Views: 592

[ANOTHER!] HSA/HDHP or PPO plan?

Hi all, We're coming up on Open Enrollment (mid-year) at work, and I want to try to discuss this decision with some dis-interested 3rd parties. I'll try to make this post sound as intelligent as possible, but I'm quite sure I'll leave out some vital information so please bear with me. Family: Me, Wi...
by Texanbybirth
Wed Apr 11, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Protecting Against Disability with SAHM?
Replies: 19
Views: 934

Re: Protecting Against Disability with SAHM?

Interesting question. I'll follow this thread with significant interest. My thought is to have a larger emergency fund (1/2 yr vs 6 mo, perhaps) that would give you flexibility to make decisions if this situation were to arise "unexpectedly". Of course, that would put a cash drag on your portfolio s...
by Texanbybirth
Tue Apr 10, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Is refinancing to 30 year worth it?
Replies: 20
Views: 1983

Re: Is refinancing to 30 year worth it?

Keep that mortgage. You're doing well. You haven't mentioned any complaints from yourself or your wife about being cash-strapped. I would suggest dialing back your 401k contributions (somewhere between 10-15% is fine) and putting that money toward your emergency fund or (if your job is quite secure)...
by Texanbybirth
Tue Apr 10, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 42
Views: 3210

Re: Anyone tried a sunrise alarm clock?

We have two little kids. They help us to see the sunrise every morning. :happy It does sound like a fancy idea, kinda like the airplanes now with cabins that change colors to match the time zone you're flying to. I'd probably buy the $30 one from Amazon and test it for a couple weeks. If it doesn't ...
by Texanbybirth
Fri Apr 06, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: What is Megacorp?
Replies: 62
Views: 4470

Re: What is Megacorp?

Thanks OP, I got a good chuckle reading some of the responses.

I always picture "MegaCorp" as either Apple (any poster who is an engineer) or AT&T (any poster who is a non-engineer). I have no idea why! :confused
by Texanbybirth
Fri Apr 06, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Entire $24,000 SEP IRA in Vanguard Health Care Fund
Replies: 34
Views: 2283

Re: Entire $24,000 SEP IRA in Vanguard Health Care Fund

Go for it! If it's not a major part of your portfolio or AA, then just leave as is. Peek once a year, or maybe longer if your conviction about the sector stays strong. :beer
by Texanbybirth
Fri Apr 06, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 917430

Re: What Book Are You Currently Reading? Part VI

"A Song for Nagasaki: The Story of Takashi Nagai-Scientist, Convert, and Survivor of the Atomic Bomb" by Paul Glynn, SM
by Texanbybirth
Thu Apr 05, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: How Scalabale is the 3/4 Fund portfolio?
Replies: 38
Views: 2844

Re: How Scalabale is the 3/4 Fund portfolio?

If I had $200m, I'm not sure I would be invested in stocks at all, I would just stick to the safest 1%-2% returns I could find. This is borderline reckless. I know. How do you think I got to $200m in the first place? Lol! I have to cheers a solid retort when I see one. :beer OP, it's scalable as fa...
by Texanbybirth
Thu Apr 05, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: LG 75" vs OLED 65" TV or Wait?
Replies: 44
Views: 3768

Re: LG 75" vs OLED 65" TV or Wait?

Debating between these two TV's and waiting for prices to come down or more technology to come out. I have a 1080p 60" Sony that is still excellent. I am kind of waiting for 4K to take off with streaming and BluRay. I am glad I didn't bite on the 3D craze. Wait. You're still happy with your existin...
by Texanbybirth
Wed Apr 04, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: SPOT [Investing in Spotify]
Replies: 45
Views: 2529

Re: SPOT

Internet darling? Doesn't everyone use Pandora? The only people I know still using Pandora are older gen-xers that don't want to give up on their 15 years of curated playlists. :wink: Everyone else I know .... I think I just got called old! Ha ha! (it's funny because it's true....) That's so funny....
by Texanbybirth
Wed Apr 04, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: Boglehead-approved personal finance podcasts?
Replies: 27
Views: 3621

Re: Boglehead-approved personal finance podcasts?

Not a podcast, but I just finished two audio books, each 35 hours and both worth it: Titan ... About John D Rockefeller And The House of Morgan ... About JP Morgan and their banking history. They might be available at the library. I bought them on Audiobooks. Thanks for the recs, glad I stopped by ...
by Texanbybirth
Wed Apr 04, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5386

Re: 2018 Camry. What's wrong with me?

Did you test drive the V6 or the 4-banger? I'd expect quite a different drive between the two - try the V6 XSE. Or a 2018 Honda Accord Touring 2.0T. And like another poster pointed out, give me the Camry and the $31k cash difference from a BMW please! :beer (I'm sure it was said in jest, but if a ca...
by Texanbybirth
Tue Apr 03, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a house of 600-700k?
Replies: 56
Views: 4055

Re: Can we afford a house of 600-700k?

You also admitted to lifestyle creep. It's easy in your situation, and not necessarily a bad thing with your financials. However, you would need to seriously tighten your collective belts if you did move forward with a mortgage of that size. It might mean a candid family conversation about current a...
by Texanbybirth
Tue Apr 03, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a house of 600-700k?
Replies: 56
Views: 4055

Re: Can we afford a house of 600-700k?

I'm leaning heavily toward no you can't afford the house. Without knowing more about your spending, I'd hate to see your awesome retirement savings rate decline, which it certainly would have to. I sympathize with your "cons" of your current house, but how long have y'all been looking for a new home...
by Texanbybirth
Thu Mar 29, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 8950

Re: What is the endgame for Millennials?

I think that pensions vanishing is good for Millennials. The reason is that pensions die with their parents, but if their parents had 401(k)s, 403(b)s, IRAs, then they will inherit quite a bit of money. Personally I'd love to see my parents blow their nest egg on themselves. I think it'd take a whi...
by Texanbybirth
Thu Mar 29, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 8950

Re: What is the endgame for Millennials?

I always thought Gen Xers were doing worse than millennials in a lot of ways (credit card debt, mortgage debt, retirement savings) so I don't plan on taking their jobs.
by Texanbybirth
Thu Mar 29, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: How many are using Automatic contributions?
Replies: 41
Views: 2775

Re: How many are using Automatic contributions?

Is it possible for a payroll deduction to wind up directly in your Vanguard brokerage? That would save me one (easy, automated) step every two weeks, but I'm not sure that's a possibility.
by Texanbybirth
Thu Mar 29, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Which all in one fund?
Replies: 11
Views: 717

Re: Which all in one fund?

It sounds like TD2025 is best. Here's a link to an overview of the fund, with the glidepath. https://investor.vanguard.com/mutual-funds/target-retirement/#/mini/overview/0304 It looks like at "Retirement" for the fund it will be 48/43/9 stocks/bongs/tips. Here's a link to a longer, but I think very ...
by Texanbybirth
Thu Mar 29, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Cryptos- "Bear" with me here
Replies: 31
Views: 2439

Re: Cryptos- "Bear" with me here

I put $500 into Litecoin in December 2017, it dropped to $326 so I sold it in January and bought Ethereum only hoping IT would climb back up to recover my $500. It's currently worth $92.53 . (I don't check it everyday as I figure if/when cryptos take off again I'll see it all over the news. I did ju...
by Texanbybirth
Thu Mar 29, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Printing out a ten thousand page form 8949 for the IRS?
Replies: 48
Views: 4949

Re: Printing out a ten thousand page form 8949 for the IRS?

boogle wrote:
Thu Mar 29, 2018 7:54 am
BogleMelon wrote:
Thu Mar 29, 2018 7:45 am
May I ask why you choose "boogle" as your nickname?
I found Bogleheads via Google, and it's sufficiently different from other online handles that I use.
Ha! Creative name! :beer
by Texanbybirth
Wed Mar 28, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 2671

Re: New 2019 RAV4 is now out - looks good

I think it looks great. I'm not a fan of the current RAV4 styling, especially in the back. And I like that Apple Carplay will be available. As with the new Camry, Accord, and even previously the new CRV, I prefer to wait one year after a major re-design to let the market digest it and reveal any gla...
by Texanbybirth
Wed Mar 28, 2018 12:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17208

Re: A lot of heavy hitters this morning

Love this board but can't help to feel disconnected this morning when the first 3 posts are something like: 1) I will be making $350K, should I save for my kid's 529? 2) Should I buy a $1.2 million condo? My inlaws just gave me $235K. 3) I got a $600K windfall...should I pay off mortgage? Feeling a...
by Texanbybirth
Wed Mar 28, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being stubborn about housing purchase
Replies: 27
Views: 3702

Re: Am I being stubborn about housing purchase

When we have 6 months of savings and my wife goes back to work I think I would feel more comfortable purchasing. Or at least 6 months of savings and be able to put 20% down. Am I being stubborn or thinking about this incorrectly? I don't think you are being stubborn at all. I think you are being sm...
by Texanbybirth
Wed Mar 28, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: KF Annual Expense Based Personal Finance Strategy
Replies: 149
Views: 6283

Re: KF Annual Expense Based Personal Finance Strategy

KF, thank you for this elegant and simple heuristic, which I think could be extremely useful as a “first pass” for checking whether one has reached financial independence; when one gets close to that point, one can then perform more sophisticated modeling and testing. Bravo, KF! Elegance and simpli...
by Texanbybirth
Tue Mar 27, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21715

Re: Anyone Deleting Facebook?

Even as millennials, we deleted Facebook before it was cool to delete Facebook. Nothing to do with data privacy, it was just a horrible waste of time. I was also on Facebook before it was cool to be on Facebook.

I guess I'm an early adopter!
by Texanbybirth
Fri Mar 23, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 13528

Re: Working till retirement is not a great plan

Folks, Please adjust my numbers accordingly dependent on your own circumstances. 1) Do not assume that you will be fully-employed continuously until retirement age. Make a reasonable assumption and save a fixed percentage of your gross income. I have no job security. I save 30+%. You should decide ...
by Texanbybirth
Fri Mar 23, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 45
Views: 3807

Re: Your favorite Florida beach??

Can I hijack the thread a little bit and ask how folks like Pensacola and the surrounding area? There are direct flights there from my city on Southwest where we have many points and the condos/houses on VRBO seem to be less expensive than Destin, etc, but I wonder if that is for a good reason, or ...
by Texanbybirth
Fri Mar 23, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 10218

Re: Losing friends/family when wealthy

Friendships must be maintained, or they will die slow death. If you did not have a wedding, you missed an opportunity to strengthen your friendships. If you don't go out to eat, you are missing opportunities to socialize with your friends. If you don't travel with your friends for vacations, you do...
by Texanbybirth
Thu Mar 22, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: 250k Student Loan Payment Schedule
Replies: 67
Views: 10640

Re: 250k Student Loan Payment Schedule

Good for you, this is a great story. I think your plan sounds awesome. Since I'm not an attorney, I have no idea how secure a job is making that kind of salary so I might be more aggressive with my loan payoff. That being said, it seems that you're taking all the right steps on your journey, and you...
by Texanbybirth
Wed Mar 21, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Please help me fill out my W-4 correctly
Replies: 7
Views: 683

Re: Please help me fill out my W-4 correctly

If I were you I'd put 8. You might overwithhold a bit, but I don't think you'll owe anything in April. I believe someone did the math in that thread that you should be withholding $65/paycheck. (This is assuming you're paid semi-monthly and keep the $150/check, $300/month 401k contribution.) You can...
by Texanbybirth
Tue Mar 20, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Is buying $50,000 worth of TSLA at this time advisable?
Replies: 46
Views: 3456

Re: Is buying $50,000 worth of TSLA at this time advisable?

If I were you, I'd buy MCD and AMZN. I'd probably also put 5-10% in GE.

Of course, if it were my money I'd just buy $50k worth of VASGX - Vanguard LifeStrategy Growth Fund. However, you asked what you should do. :D
by Texanbybirth
Mon Mar 19, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord LX ... is this a good deal?
Replies: 44
Views: 3533

Re: 2018 Honda Accord LX ... is this a good deal?

Falls right on the dividing line (via Truecar) between "Excellent" and "Great" deal for my zip code. FWIW, the price you gave does fall on the largest bar on the chart, meaning LOTS of people seem to be getting that price on the same car. Apparently there are some really good negotiators out there. ...
by Texanbybirth
Mon Mar 19, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16442

Re: Bought house six months ago - now feeling like we're treading water and can't save money

The CTC is $2000. Knock another $400 off that total tax. :oops: Don't know how I looked at that wrong, thanks. NO CTCs for me for a while, amounts not in the front of my brain. Even more obvious that IANACPA. $1600 was one of the original proposed amounts in the tax House (I think) tax bill. I have...
by Texanbybirth
Mon Mar 19, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16442

Re: Bought house six months ago - now feeling like we're treading water and can't save money

Regarding likely federal tax liablility on 55K in wages, a rough estimate for a simple 2018 return is pretty easy. 55000 wages - 24000 Standard Deduction ------- 31000 Taxable income, 12% bracket, MFJ 1905 First 19050 @ 10% 1434 Remainder, 11950 @ 12% ------ 3339 Tax on income - 1600 Child credit -...
by Texanbybirth
Mon Mar 19, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16442

Re: Bought house six months ago - now feeling like we're treading water and can't save money

The OP has said several times that adjusting his charitable giving is non-negotiable based on his faith. Frankly, I’m disappointed in the number of posters who keep suggesting that he reduce it, despite his explanation that particular line item is non-negotiable. I’ll admit that I’m not as charitab...
by Texanbybirth
Fri Mar 16, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: How does everyone here earn so much?
Replies: 131
Views: 7051

Re: How does everyone here earn so much?

I have an amazing work life balance that I wouldn't trade for anymore income. My biggest fear is that I can't ride this train 30 more years to retirement, which is why I still improve my skills and network. Ah well! :D

(I make nowhere near $200k, like less than half.)
by Texanbybirth
Fri Mar 16, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Should I join Mensa?
Replies: 39
Views: 1974

Re: Should I join Mensa?

As long as you can cash flow the application/testing/membership process, after maxing out all tax-advantaged space, then I think you should pursue it. I'd do this after funding 529s, but before investing in taxable. Good luck! :beer
by Texanbybirth
Thu Mar 15, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Is my math wrong? - How much should I save monthly?
Replies: 26
Views: 2459

Re: Is my math wrong? - How much should I save monthly?

LiterallyIronic wrote:
Wed Mar 14, 2018 12:50 pm

Good advice. Right now I'm exactly in the throws of agonizing over $1250 (23.6% of gross) and $1400 (26.5% of gross). Maybe I should up it to $1323 (25% of gross) and just live with it.
Set it at $1,400 and I bet in 6 months you won't notice the extra $150/mo gone. :beer
by Texanbybirth
Wed Mar 14, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Should a recent college grad look for a job in the Bay Area or Texas?
Replies: 39
Views: 2672

Re: Should a recent college grad look for a job in the Bay Area or Texas?

Tell your friend to come hang out on BH for a while and compare the number of threads begging for help in figuring out whether someone can afford a house/townhome/living place in (a) the Bay Area vs (b) Texas. :D Joking aside, it's impossible to make this decision for someone else. Salary will proba...
by Texanbybirth
Tue Mar 13, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Social Security Estimate
Replies: 6
Views: 756

Re: Calculating Social Security Estimate

You can get a very accurate estimate using your earnings data from SSA.gov cut and pasted to the tool here: https://socialsecurity.tools/app.html This will tell you your current estimate as well as manipulate your claiming age and additional years of working. That's a pretty nifty tool! As someone ...
by Texanbybirth
Mon Mar 12, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?
Replies: 69
Views: 9430

Re: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?

I have 1 stock of BRK.B to get the Geico 8% discount. I bought it few week before @ 216 for 1 share which saves 32 bucks on my 6 months of insurance on my new CRV. I will be holding this one share since then. But not planning to sell that one share. Since OP post is using the word - instead: I woul...
by Texanbybirth
Mon Mar 12, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Should we buy my wife a new car?
Replies: 53
Views: 3506

Re: Should we buy my wife a new car?

#4, and re-evaluate when you HAVE kids. Looks like even the '09 Camry has good safety ratings from NHTSA and IIHS. I could go either way on the Civic loan, pay off with bonus or not. That depends on what your savings situation is (401ks, Roth IRAs, etc.) because that bonus amount happens to be the m...
by Texanbybirth
Thu Mar 08, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking multiple savings goals in one account
Replies: 13
Views: 782

Re: Tracking multiple savings goals in one account

I've got a spreadsheet for our (one) Ally Savings account, and it's got about 5 lines of sub-accounting that are tied back to the total balance. Our car fund is a monthly investment in VF TDF 2025, since we have two brand new (paid for cash) cars and have no immediate plans for a third/replacement. ...