Search found 118 matches

by FIBoston
Mon Apr 12, 2021 3:38 pm
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5903

Re: Best 4 wheel drive vehicle

Subaru Outback with a 2" lift kit or Subaru Ascent. This is the way.
by FIBoston
Thu Mar 25, 2021 10:06 am
Forum: Non-US Investing
Topic: I took a 10yr loan to buy TSLA shares
Replies: 232
Views: 33732

Re: I took a 10yr loan to buy TSLA shares

Peaceful wrote: Mon Mar 08, 2021 8:38 am From another perspective, they are not selling well because for whatever reason, they are too expensive, even with the available tax credits and manufacturer's incentives.
Anyone who thinks Teslas are not selling well is not paying attention.
by FIBoston
Thu Mar 25, 2021 10:00 am
Forum: Personal Consumer Issues
Topic: son to major in Business, advice on specialization requested
Replies: 60
Views: 2655

Re: son to major in Business, advice on specialization requested

Whichever specialization he finds interesting is the one he should go with. This is the only answer.
by FIBoston
Mon Mar 22, 2021 3:48 pm
Forum: Personal Consumer Issues
Topic: Music for tweens and teens
Replies: 18
Views: 1295

Re: Music for tweens and teens

Spotify Premium Family plan does everything you want. This is also the best way for your kids to listen to music. Let them explore.
by FIBoston
Fri Mar 19, 2021 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Is an Emergency Fund Really needed in our case?
Replies: 60
Views: 5529

Re: Is an Emergency Fund Really needed in our case?

If you put that $20k in the brokerage account you'll be at $50k. A catastrophic market crash would probably bring you down to $25k which was your emergency number in the first place. The chances of such a large crash are relatively low while the gains from doubling the size of your brokerage account...
by FIBoston
Mon Mar 08, 2021 5:05 pm
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 827
Views: 68948

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

I'm curious if any of the folks on here who are so willing to write Ark off have actually taken the time to research the funds themselves. Do folks making the comparisons between Ark and other past high performing funds know that Ark is a 100% transparent fund that (by law) shares all of their resea...
by FIBoston
Mon Mar 08, 2021 4:00 pm
Forum: Personal Consumer Issues
Topic: Peloton purchase inquiry
Replies: 27
Views: 2516

Re: Peloton purchase inquiry

You will presumably pay with a credit card which protects you. Since you mentioned this, given two payment approaches (0% financing or use of a credit card), which would offer more protection in event of an issue? Thanks all for the info - the consensus seems that a Peloton bike can be a good exerc...
by FIBoston
Mon Mar 08, 2021 1:36 pm
Forum: Personal Consumer Issues
Topic: Peloton purchase inquiry
Replies: 27
Views: 2516

Re: Peloton purchase inquiry

I ordered Bike + on October 1, 2020, with a scheduled delivery date of November 30. On November 27 I got an email saying the delivery was delayed and I should go online to pick a new date. The nearest available date was between December 24 and 27. I was going out of town for the holidays on the even...
by FIBoston
Tue Feb 23, 2021 10:58 am
Forum: Investing - Theory, News & General
Topic: Tracking my ARK / Bitcoin - non-Boglehead portfolio
Replies: 181
Views: 15915

Re: Tracking my ARK / Bitcoin - non-Boglehead portfolio

HomerJ wrote: Sat Jan 23, 2021 11:55 pm I think you need to read some of the recommended Boglehead books and maybe the wiki. You say you're all about learning. If that's true, try learning some of the principles of this site, and see what you think.
Boy - this thread really has triggered some people.
by FIBoston
Mon Feb 22, 2021 11:00 am
Forum: Investing - Theory, News & General
Topic: If you bought Bitcoin, when do you plan to sell?
Replies: 396
Views: 38044

Re: If you bought Bitcoin, when do you plan to sell?

I'll probably sell somewhere between $500,000 and $1,000,000 if it helps me get to enough cash for a major purchase I want to make. Based on the monthly BTC purchase I make of Bitcoin (5% of total monthly savings) that range represents the point at which I will need the money. While I think Bitcoin ...
by FIBoston
Wed Jan 27, 2021 11:20 am
Forum: Investing - Theory, News & General
Topic: Brokerage outages
Replies: 96
Views: 1463

Re: Vanguard website issues... again?

The problems began for me this morning right at market open. I'm pretty sure this is related to the GameStop stock movement. Vanguard needs to up their IT game.
by FIBoston
Tue Jan 19, 2021 3:21 pm
Forum: Investing - Theory, News & General
Topic: Tracking my ARK / Bitcoin - non-Boglehead portfolio
Replies: 181
Views: 15915

Re: Tracking my ARK / Bitcoin - non-Boglehead portfolio

I'm using ARKG, ARKF, TSLA, BTC, ETH and a few other stocks to super charge my taxable savings this year to try to get to enough money for a down payment faster than I could have otherwise. The flow of money into people's pockets that will come this year from the government makes this attractive to ...
by FIBoston
Fri Jan 15, 2021 11:07 am
Forum: Personal Consumer Issues
Topic: Apple's Using Up All My Data !
Replies: 46
Views: 4194

Re: Apple's Using Up All My Data !

Turning off background app refresh on all the apps is a good idea. This is what I did and my data usage plummeted. On my previous iPhones this was already turned off, but for some reason when I upgraded to the iPhone 12 it was turned on for every single app.
by FIBoston
Fri Jan 08, 2021 3:48 pm
Forum: Personal Investments
Topic: Should I sell my Tesla [stock] now or wait?
Replies: 43
Views: 2553

Re: Should I sell my Tesla [stock] now or wait?

Tesla was selling for about 250 to 350 until about December of 2019, then it jumped to about $1,500 by August 2020 when it did a 5 for 1 stock split, $300 after the split. When I heard about the pending split, I bought mine on August 8 for $15,010 a share, $302 after the split. As I write this in t...
by FIBoston
Thu Dec 10, 2020 4:59 pm
Forum: Investing - Theory, News & General
Topic: TESLA Valuation
Replies: 111
Views: 7112

Re: TESLA Valuation

At the point that people understand that Tesla is just another car company, the value will re-align with reality......and earnings. Tesla isn't just another car company though... energy storage, energy generation, auto manufacturing, home energy, software. Not to mention future possibilities like r...
by FIBoston
Wed Nov 11, 2020 12:02 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin: What is it, in Plain English
Replies: 313
Views: 40692

Re: Bitcoin: What is it, in Plain English

Here's Ark-Invest's two White Papers on Bitcoin. I think they provide a pretty good description of what it actually is as well as their case for why it is a solid investment. I'm personally am not sure on it either way, but the tone of a few of the answers you've gotten so far indicate that a lot of...
by FIBoston
Thu Mar 05, 2020 5:03 pm
Forum: Personal Investments
Topic: Invested in 100% Stocks for 401k. Is it time to move those funds to more conservative fund?
Replies: 31
Views: 1548

Re: Invested in 100% Stocks for 401k. Is it time to move those funds to more conservative fund?

What exactly are you actually losing right now? You're 29 and not accessing those funds anytime soon. For now it's just all numbers. Don't sell, that would be dumb.

Selling now guarantees a loss. If anything it's time to buy more.
by FIBoston
Wed Feb 26, 2020 11:06 am
Forum: Non-US Investing
Topic: How to Move to Switzerland and Still be a Boglehead
Replies: 18
Views: 3030

Re: How to Move to Switzerland and Still be a Boglehead

Just came back around to this thread. Thanks everybody for the feedback!
by FIBoston
Thu Feb 13, 2020 5:17 pm
Forum: Non-US Investing
Topic: How to Move to Switzerland and Still be a Boglehead
Replies: 18
Views: 3030

How to Move to Switzerland and Still be a Boglehead

Hi Bogleheads, I'm making a move to Zurich later this year (sometime between October and December depending on my employer). I've been researching hard and am starting to put things together, but it's not easy to understand everything. I'm wondering if there's anybody here who has moved from the US ...
by FIBoston
Mon Jan 20, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Time to get a bearded dragon?!
Replies: 57
Views: 4803

Re: Time to get a bearded dragon?!

jakepeters wrote: Sun Jan 19, 2020 10:54 pm
DiamondplateDave wrote: Sun Jan 19, 2020 10:15 pm Do it! You can tell people you're married to "the Dragon Lady".
I was thinking "the bearded dragon lady."

:)

JP
**Mother of Dragons
by FIBoston
Fri Dec 13, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: New baby: Should I purchase new car? Tesla?
Replies: 39
Views: 2937

Re: New baby: Should I purchase new car? Tesla?

Subaru Ascent is the only option here
by FIBoston
Thu Dec 12, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Re: Amazon Echo, Alexa, and privacy concerns
Replies: 41
Views: 2695

Re: Amazon Echo, Alexa, and privacy concerns

They're selling the Echo dot for $0.99 with a single month of Amazon Music. If that doesn't tell you their biggest concern is just getting in your house I don't know what does.
by FIBoston
Fri Dec 06, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Your credit card debt dies when you die (usually)
Replies: 128
Views: 11687

Re: Your credit card debt dies when you die (usually)

So if I don't care about my credit score then why should I ever pay off my credit card beyond the minimum monthly payment? You are conflating different issues. Fist, paying off your credit card does not necessarily improve your credit score, you can have a very high credit score while paying only t...
by FIBoston
Fri Dec 06, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Your credit card debt dies when you die (usually)
Replies: 128
Views: 11687

Re: Your credit card debt dies when you die (usually)

So if I don't care about my credit score then why should I ever pay off my credit card beyond the minimum monthly payment?
by FIBoston
Fri Nov 08, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Should I Travel ot Ecuador?
Replies: 51
Views: 4806

Re: Should I Travel ot Ecuador?

DW and I are scheduled to fly to Ecuador in mid February for a trip to the Galapagos. Apparently there has been some issues there and currently there is a travel advisory due to "civil unrest". I have only sent a small deposit at this point but the full payment is due within three weeks, ...
by FIBoston
Thu Nov 07, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Withdrawal Rules
Replies: 11
Views: 696

Re: Roth 401k Withdrawal Rules

401k withdrawal rules are different than Roth IRA withdrawal rules. You can’t withdraw the contributions from the 401k like you can from the Roth. You could take out a loan, but not a fan myself. https://www.investopedia.com/ask/answers/101314/what-are-roth-401k-withdrawal-rules.asp Roth 401(k) Wit...
by FIBoston
Thu Nov 07, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Withdrawal Rules
Replies: 11
Views: 696

Re: Roth 401k Withdrawal Rules

Don’t use retirement accounts to save for a house. Your original plan was better. Reduce savings to 15% and save in a savings account. The Roth 401k money would have been retirement savings in name only. The only point of contributing it would be to get the max employer match. But since Roth 401k c...
by FIBoston
Thu Nov 07, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Withdrawal Rules
Replies: 11
Views: 696

Re: Roth 401k Withdrawal Rules

Don’t use retirement accounts to save for a house. Your original plan was better. Reduce savings to 15% and save in a savings account. The Roth 401k money would have been retirement savings in name only. The only point of contributing it would be to get the max employer match. But since Roth 401k c...
by FIBoston
Thu Nov 07, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Withdrawal Rules
Replies: 11
Views: 696

Re: Roth 401k Withdrawal Rules

Goal Down Payment: $120000 Why do you need such a large down payment? I would not forgo the company match. Max both 401ks if you get a match on the entire contributions. You could use Roth 401k once you've dropped down into the 12% bracket. Max Roth IRA's too, but that is lower priority than 401k m...
by FIBoston
Wed Nov 06, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401k Withdrawal Rules
Replies: 11
Views: 696

Roth 401k Withdrawal Rules

DW and I are at a point where we are ready to begin saving for a down payment. Our plan was always to max out traditional 401k contributions to get to $100k as quickly as possible and then reduce traditional 401k contributions to 20% and redirect savings towards a down payment. Another benefit of ma...
by FIBoston
Mon Sep 16, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Books set in New Zealand/Australia (police procedurals)
Replies: 21
Views: 1557

Re: Books set in New Zealand/Australia (police procedurals)

Not a book but you should check out Season 1 of "Top of the Lake". Police procedural set in New Zealand starring Elisabeth Moss (West Wing, Handmaid's Tale) and David Wenham (Lord of the Rings). It's gritty, but it's gooood. What streaming service still carries this series? i believe Hulu...
by FIBoston
Fri Sep 13, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Books set in New Zealand/Australia (police procedurals)
Replies: 21
Views: 1557

Re: Books set in New Zealand/Australia (police procedurals)

Not a book but you should check out Season 1 of "Top of the Lake". Police procedural set in New Zealand starring Elisabeth Moss (West Wing, Handmaid's Tale) and David Wenham (Lord of the Rings). It's gritty, but it's gooood.
by FIBoston
Wed Aug 07, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Boston for a few hours with young kids
Replies: 20
Views: 1191

Re: Boston for a few hours with young kids

Duck Tour if you want to be outside. If you're okay with inside then definitely the Boston Children's Museum.
by FIBoston
Mon Jul 01, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 95499

Re: What age did you reach 100K networth?

Today! (28 y.o.) Our 401k contributions just hit our accounts which put us over the edge. Here's how it breaks down: Cash: $11.2k Taxable Investments: $9.12k His Roth IRA: $4.55k Her Roth IRA: $14.01k His 401(k): $42.28k Her 401(k): $21.45k Total Assets: $102,650 Credit Card 1: $-223 Credit Card 2: ...
by FIBoston
Sat May 04, 2019 2:45 pm
Forum: Personal Investments
Topic: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
Replies: 83
Views: 7273

Re: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?

OP, Why so complicated? If you save 1 year of current annual expense every year, you will be FI in about 20+ years. So, why do you need to think about retirement at retirement age? KlangFool 50% saving rate is a difficult place to start for many people Klang. Far easier to start at 10%-15% and slow...
by FIBoston
Wed Apr 10, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 10679

Re: How do 40 year olds decide what they can afford?

Set goals, then set savings parameters to hit those goals, then pay bills, then give a little back, then spend however you want.
by FIBoston
Mon Mar 04, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 263
Views: 42405

Re: How Much in Your Emergency Fund And Is It Used?

12k or 3 months of spending. Used it for the first time ever after a surprisingly high tax bill (5k) after unkowningly under-witholding this year. I'm glad I had it in this instance not because I wouldn't have been able to make the payment without it, but because it would have been a lot harder ment...
by FIBoston
Fri Mar 01, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 26386

Re: Talk me in/out of $35k Tesla Model 3

One thing worth thinking about is car space you will need as your kids get older. Between the Model 3 and your older BMW, will your cars have the space to scale up as the kids get older? Again, making $350k a year with $4m in the bank in your early 40s, you probably don't need to worry about buying ...
by FIBoston
Mon Feb 04, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Please Help Me Find a Travel Group for My 70-Year-Old Mom
Replies: 43
Views: 3804

Re: Please Help Me Find a Travel Group for My 70-Year-Old Mom

Go Ahead Tours would be worth looking at.
by FIBoston
Thu Jan 24, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia
Replies: 55
Views: 5444

Re: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia

I rely on this website anytime I need to by any gear. Read through the reviews of their top products in any category, decide which one is right for you, buy it, and don't look back.

https://www.outdoorgearlab.com/topics/c ... ski-jacket
by FIBoston
Wed Nov 28, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 7585

Re: Do Fidelity Offices/Advisors Add Value?

It seems like you are happy with Vanguard. Perhaps a solution would be to leave instructions that in the event of your passing, all of you and your wife's assets should transfer to Vanguard Personal Advisor Services. Yes there is the extra advisory fee, but it is very competitive relative to the ind...
by FIBoston
Wed Nov 28, 2018 9:10 am
Forum: Personal Investments
Topic: Asset Allocation and Rebalancing - Help Me Math
Replies: 5
Views: 636

Re: Asset Allocation and Rebalancing - Help Me Math

Thanks for the responses folks. Exactly what I was looking for!
by FIBoston
Tue Nov 27, 2018 5:36 pm
Forum: Personal Investments
Topic: Asset Allocation and Rebalancing - Help Me Math
Replies: 5
Views: 636

Asset Allocation and Rebalancing - Help Me Math

I'm preparing to up my game in 2019 by saving 50% of our income and holding as few funds as possible. I've sat staring at spreadsheets for hours and just can't figure out how to do this rebalance so I'm coming to Bogleheads to save me from myself. Your input is much appreciated Emergency funds: Thre...
by FIBoston
Tue Nov 27, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 86
Views: 9001

Re: Financial goals for 2019 (specific)

Save 50% of pre-tax income (not including bonus)

1. Max both 401k's
2. Max both rIRA's
3. $750 to taxable
4. Any bonus/gifts/tax refund goes straight into down payment savings account
by FIBoston
Wed Oct 24, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Wealthfront to offer "Path" for free to the public
Replies: 6
Views: 1928

Wealthfront to offer "Path" for free to the public

https://www.reuters.com/article/us-wealthfront-advice/wealthfront-to-offer-automated-financial-planning-tool-for-free-idUSKCN1MX30N I am excited about this announcement. I've heard really great things about Path but have always been disappointed not to gain access to it because I am unwilling to tru...
by FIBoston
Wed Oct 24, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 11090

Re: Larry Swedroe: Why International Diversification Works

So basically what we're saying here is VT is the way to go for the equity portion of a portfolio?
by FIBoston
Thu Sep 27, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3981

Re: Good flip flops

by FIBoston
Mon Sep 10, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 11599

Re: Can Sneakers go with Business Casual?

Absolutely. I do it all the time at my office. My go to shoe for this purpose is the New Balance Fresh Foam Cruz. This is a running shoe, but I think it looks great, especially with narrower pants that are hemmed correctly. Another popular shoe, especially in casual offices on Wall Street (I have r...
by FIBoston
Mon Sep 10, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 11599

Re: Can Sneakers go with Business Casual?

Absolutely. I do it all the time at my office. My go to shoe for this purpose is the New Balance Fresh Foam Cruz. This is a running shoe, but I think it looks great, especially with narrower pants that are hemmed correctly. Another popular shoe, especially in casual offices on Wall Street (I have re...
by FIBoston
Fri Sep 07, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 9273

Re: Bike computer or Apple Watch?

Garmin Fenix 3HR or Garmin Fenix 5. MUCH longer battery life than Apple Watch, far more durable, and (I personally feel) much better looking than the Apple Watch. My cyclist friends either ride with it on their risk or a few of them attach it to the handle bar and wear a Garmin chest strap to monito...