Search found 2660 matches

by PFInterest
Sat Aug 26, 2017 3:25 pm
Forum: Personal Investments
Topic: bond fund recs for taxable acct
Replies: 5
Views: 849

Re: bond fund recs for taxable acct

VWIUX.
by PFInterest
Thu Aug 24, 2017 6:12 pm
Forum: Personal Investments
Topic: 24 year old seeking reassurance and critiques of Roth IRA ETF portfolio asset allocation
Replies: 11
Views: 1273

Re: 24 year old seeking reassurance and critiques of Roth IRA ETF portfolio asset allocation

it looks needlessly complex with such small slices that may or may not impact your overall picture 40 years from now.
by PFInterest
Mon Aug 21, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 5170

Re: Advantages of Having No Credit Score

Horribly? No. But it's not going to make it easier.
by PFInterest
Mon Aug 21, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 23580

Re: How far would you travel to see The Eclipse?

I traveled to work. That's it.
by PFInterest
Sun Aug 20, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Weightlifting Equipment for Home Gym
Replies: 54
Views: 11768

Re: Weightlifting Equipment for Home Gym

got our equipment here. so far its amazing.

https://www.fringesport.com/
by PFInterest
Fri Aug 04, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: only have 401k & emergency funds. what's next?
Replies: 24
Views: 2395

Re: only have 401k & emergency funds. what's next?

You will see your NW grow...As your debts shrink.
by PFInterest
Sun Jul 30, 2017 10:59 am
Forum: Personal Investments
Topic: All at once or bit by bit?
Replies: 11
Views: 1621

Re: All at once or bit by bit?

both. 1/2 now, then the other half over 6 months.
by PFInterest
Sat Jul 29, 2017 2:23 pm
Forum: Personal Investments
Topic: Stuck in limbo
Replies: 8
Views: 928

Re: Stuck in limbo

viewtopic.php?t=6212

clearly you need a very conservative AA
by PFInterest
Sat Jul 29, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much income and down payment to afford 300k house?
Replies: 50
Views: 10730

Re: How much income and down payment to afford 300k house?

[Thread merged into here, see below. --admin LadyGeek] How much income and down payment to afford 300k house comfortably? Let's say you have no debt, no kids, no spouse, paid off new car, are buying a new house, and are not purchasing any other big item. If you have 150k liquid cash, how much annua...
by PFInterest
Fri Jul 28, 2017 7:57 pm
Forum: Personal Investments
Topic: How does this work? [Dow Jones up, but Vanguard Total Stock down]
Replies: 10
Views: 2061

Re: How does this work?

bjames310 wrote:The Dow Jones is at record highs with three straight days of gain, yet VTSAX has been down three days in a row. I'm confused.
They are not the same.
by PFInterest
Thu Jul 27, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 8963

Re: GF Picking a college major

walk away slowly...
by PFInterest
Wed Jul 26, 2017 3:01 pm
Forum: Personal Investments
Topic: Help Moving All My Investments to Vanguard
Replies: 3
Views: 599

Re: Help Moving All My Investments to Vanguard

You could leave them at TD. Just stop paying the mgmt fee and pick the index funds you want.
by PFInterest
Tue Jul 25, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Financial Characteristics of Physicians
Replies: 24
Views: 3077

Re: Financial Characteristics of Physicians

I'll add that unfortunately one problem many physicians have is a level of arrogance from thinking s/he is the smartest person in the room and a certain [disdain] *typo fixed for those who haven't accomplished what s/he has . That attitude leads them into situations where they get what I call "...
by PFInterest
Sun Jul 23, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 46127

Re: John Bogle Has Been Right About Investing In International Stocks

Taylor Larimore wrote:Bogleheads: Mr. Bogle has been right.
and? doesnt me he WILL be right.
by PFInterest
Sun Jul 23, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 44
Views: 6230

Re: New Milestone

beezquimby wrote:age 40, includes home value (paid off)

http://imgur.com/a/CWCrC
Wow why would you put this here?
Congrats Jeep!
by PFInterest
Sun Jul 23, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 5137

Re: Larry Swedroe: What Drives Municipal Bond Yields

funny i never picked munis for their yield. i do it for their tax efficiency. and also by buying VWIUX at Vanguard....i dont think there EVER will be a liquidity issue. That's a weird statement. You can get a lot of tax efficiency just putting your money under the mattress if you don't care about t...
by PFInterest
Sun Jul 23, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: AXA Structured Variable Annuity - Help me calculate fees/returns
Replies: 14
Views: 2529

Re: AXA Structured Variable Annuity - Help me calculate fees/returns

no variable annuity is probably a remotely reasonable product.
by PFInterest
Sun Jul 23, 2017 1:43 pm
Forum: Personal Investments
Topic: Saving for downpayment
Replies: 4
Views: 651

Re: Saving for downpayment

i dont get why it matters to have a separate account at ally?
would also be ok with a short term bond fund. you might lose some, and pay more in taxes.
by PFInterest
Sat Jul 22, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 5063

Re: Healthiest Beer for the Buck

Question for those of you that look at the ingredients in your beer: What do you settle on for the cheapest beer with the least harmful ingredients? For those that haven't looked it up, I'm thinking mainly about dextrose and/or maltose being used, or other GMO (genetically modified organisms, i.e. ...
by PFInterest
Sat Jul 22, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Medical malpractice attorney - how to find?
Replies: 29
Views: 2836

Re: Medical malpractice attorney - how to find?

TomatoTomahto wrote:I thank you in advance for not venting about malpractice insurance rates and our litigious society.
hold my :beer and watch this....
by PFInterest
Sat Jul 22, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Teenager taking out loans to establish good credit
Replies: 24
Views: 2292

Re: Teenager taking out loans to establish good credit

+1 to what others have said.
definitely do not borrow money for a "credit score".
dont forget you can get a secured CC, just make sure it actually reports to the credit bureaus.
by PFInterest
Sat Jul 22, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to give for Gif Tax? Tax Best Practices?
Replies: 7
Views: 900

Re: How to give for Gif Tax? Tax Best Practices?

Avo wrote:There's a gif tax??

Image
i just noticed that spelling too. :D :D :D
by PFInterest
Sat Jul 22, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Scanner compatibility with Mac Sierra OS
Replies: 2
Views: 368

Re: Scanner compatibility with Mac Sierra OS

would uninstall everything and reinstall everything.
it seems like you found this site already
"http://esupport.epson-europe.com/Produc ... U003D&tc=6"

good luck!
by PFInterest
Sat Jul 22, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to give for Gif Tax? Tax Best Practices?
Replies: 7
Views: 900

Re: How to give for Gif Tax? Tax Best Practices?

i dont think anyone is going to care or audit you. but sure, send 2 separate transfers if you want.
by PFInterest
Sat Jul 22, 2017 12:12 pm
Forum: Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 42
Views: 5802

Re: When doing retirement planning, do you count your spouse's savings?

are you going to stay married to her? if not, then dont count it...
by PFInterest
Sat Jul 22, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Going from 1099 to W2 and having trouble with cash flow
Replies: 9
Views: 802

Re: Going from 1099 to W2 and having trouble with cash flow

either your calculations are wrong...or you spend too much...or both.
at 275K for the year....this shouldnt be an issue...
by PFInterest
Sat Jul 22, 2017 12:08 pm
Forum: Investing - Theory, News & General
Topic: Fraud???
Replies: 15
Views: 3182

Re: Fraud???

i think its just an update of your transaction?
by PFInterest
Sat Jul 22, 2017 11:27 am
Forum: Personal Investments
Topic: Vanguard VTINX [Target Retirement Income Fund]
Replies: 8
Views: 2314

Re: Vanguard VTINX

My target retirement 2010 fund recently reached end of life and was exchanged into VTINX (target retirement income fund). Has anyone gone thru this with an older target date fund? If yes, what has your experience been with the income fund? your experience will be EXACTLY the same as the previous fu...
by PFInterest
Sat Jul 22, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 5137

Re: Larry Swedroe: What Drives Municipal Bond Yields

funny i never picked munis for their yield. i do it for their tax efficiency. and also by buying VWIUX at Vanguard....i dont think there EVER will be a liquidity issue.
by PFInterest
Fri Jul 21, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 4875

Re: Commuters (that drive), what do you listen to?

Podcasts. I use Overcast.
The Daily
Freakanomics
Tim Ferris
Etc...
by PFInterest
Thu Jul 20, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 11623

Re: Would you let your teenager spend all his savings on a gaming computer?

kjvmartin wrote: Edit: Also to add Overwatch is a good non-violent combat gamey
:o :!: i almost spit out my coffee at that. while it is cartoon animated, super fun, and not bloody, what exactly is non-violet about killing/destroying other people with weapons?
by PFInterest
Thu Jul 20, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 11623

Re: Would you let your teenager spend all his savings on a gaming computer?

my 2 cents: - dont forget you are the parent. you control the time spent on any computer/phone/game console, what its used for, etc. end of discussion. - yes let him build a PC. youtube youtube youtube. - it should NOT cost 1500 (budget gamer can be made for 500, good mid end for 1K). ryzen 1600 or ...
by PFInterest
Wed Jul 19, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Compensation and Subspecialties
Replies: 52
Views: 6873

Re: Physician Compensation and Subspecialties

new2bogle wrote:What kind of apartment are you getting in NYC for $600/month?
I agree. This is the most amazing part of this post.
by PFInterest
Sun Jul 16, 2017 9:03 pm
Forum: Personal Investments
Topic: [Need help to review alternative investment portfolio]
Replies: 18
Views: 2492

Re: [Need help to review alternative investment portfolio]

Sounds like they will slowly drain his fortune.
by PFInterest
Sat Jul 15, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Large future capital gain
Replies: 8
Views: 1428

Re: Large future capital gain

Spread out your pay or don't get paid.
by PFInterest
Sat Jul 15, 2017 10:48 pm
Forum: Investing - Theory, News & General
Topic: Is the Total US Stock Market too concentrated?
Replies: 51
Views: 5682

Re: Is the Total US Stock Market too concentrated?

Most Bogleheads invest internationally.
by PFInterest
Sat Jul 15, 2017 4:55 pm
Forum: Personal Investments
Topic: What is a typical (ballpark) AA for age 65?
Replies: 25
Views: 2777

Re: What is a typical (ballpark) AA for age 65?

spdoublebass wrote:I'm 34, I am ok with age - 10 in bonds. But that would put me at 55/45 at age 65.
Do you mean 45:55? That sounds reasonable for retirement at 65.
by PFInterest
Thu Jul 13, 2017 5:33 pm
Forum: Personal Investments
Topic: 401k Rollover....Money Market or FSITX
Replies: 2
Views: 523

Re: 401k Rollover....Money Market or FSITX

what was the money coming from? if it was already in the market....and other than the move you were not planning to move it to cash....why would the move make you move it to cash....... :confused :confused :confused
by PFInterest
Thu Jul 13, 2017 5:30 pm
Forum: Personal Investments
Topic: Yearly check up - thanks!
Replies: 8
Views: 1778

Re: Yearly check up - thanks!

you are potentially getting killed on wellesley by taxes. might consider something more tax efficient.
i havent used the schwab program but again you could probably do it cheaper and potentially more efficient.
by PFInterest
Thu Jul 13, 2017 5:26 pm
Forum: Personal Investments
Topic: VTTSX (TR 2060) vs VLXVX (TR 2065)
Replies: 5
Views: 1737

Re: VTTSX (TR 2060) vs VLXVX (TR 2065)

do you realize the price has nothing to do with it?
by PFInterest
Thu Jul 13, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice - Broken Sprinkler System after Home Purchase
Replies: 28
Views: 3550

Re: Seeking Advice - Broken Sprinkler System after Home Purchase

lesson learned. you will inspect everything with the next house im sure.
by PFInterest
Thu Jul 13, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 4449

Re: Apple iMac problem?

if its still under warranty and you have brought it in multiple times i would definitely ask for a replacement. otherwise, too late then.
by PFInterest
Thu Jul 13, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 20659

Re: How did you handle the costs of your child's wedding?

Your asking about a wedding for someone whos 5? How is this thread not closed?...

Also our parents did not need to chip in for our wedding.