Search found 45 matches

by RJ5
Wed Mar 17, 2021 12:36 pm
Forum: Personal Investments
Topic: Is Emerging Markets worth it?
Replies: 75
Views: 6432

Re: Is Emerging Markets worth it?

who knows i'll let the markets decide i am 100% VTWAX in tax advantaged and 60% VTSAX + 40% VTIAX in taxable (rebalance once a year to match VTWAX) That's what I do. I can't imagine what info I could find that the market doesn't already know. Bingo. I have 0 control over the markets, so I'll own th...
by RJ5
Wed Mar 17, 2021 12:06 pm
Forum: Personal Investments
Topic: Is Emerging Markets worth it?
Replies: 75
Views: 6432

Re: Is Emerging Markets worth it?

who knows

i'll let the markets decide



i am 100% VTWAX in tax advantaged
and 60% VTSAX + 40% VTIAX in taxable
by RJ5
Wed Mar 17, 2021 8:58 am
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36896

Re: Are we in a housing bubble?

**This work from home thing is not going to stick. People weren't enduring 1/2 hour to 1 hour commutes 250 days a year because no one thought of anything better. In 2 years companies will have gone back to in-person. MAYBE there might be an increase of 10% in WFH. It's not so much that your co-work...
by RJ5
Wed Mar 17, 2021 8:50 am
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36896

Re: Are we in a housing bubble?

in my area, single family homes that were going for 380K's in 2018 are now selling for $550K and above. one that has a 2 story addition just sold for $700K. the one with 1 story addition sold for $650K. the small single family twin homes that sold for $220K's in 2018 are now selling for $340K. the m...
by RJ5
Mon Mar 15, 2021 1:47 am
Forum: Investing - Theory, News & General
Topic: Does it feel bubbly to you?
Replies: 214
Views: 15660

Re: Does it feel bubbly to you?

There is A LOT of cheap money floating around out there, A LOT And it's bidding up the prices of every asset class (and new assets which I had never heard about until recently) It's not just stocks, real estate, bitcoin....people are bidding up Pokemon cards, Michael Jordan rookie cards or any sough...
by RJ5
Sun Mar 07, 2021 4:02 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 595
Views: 55348

Re: What is your age and asset allocation ?

mid 30's 53% is in VT or VTWAX depending on the brokerage 35% is in rental property equity 12% is in cash (will be buying another rental property soon) i know i am heavy in real estate, but i kind of developed a knack for duplexes and quads. after the next one i will probably take a break and focus ...
by RJ5
Sun Mar 07, 2021 3:56 pm
Forum: Personal Investments
Topic: Advice for daughter on financial adviser
Replies: 36
Views: 3699

Re: Advice for daughter on financial adviser

if she doesn't know what she is doing. tell her to bring it all to Vanguard and just dump into the Vanguard Digital Advisor. It has the same ER as the target date funds. then she can do research on how to manage a 2 or 3 or 4 fund portfolio herself. once she is comfortable, she can end the Vanguard ...
by RJ5
Mon Feb 15, 2021 12:04 am
Forum: Investing - Theory, News & General
Topic: The premise of the "emergency fund" is flawed
Replies: 559
Views: 32960

Re: The premise of the "emergency fund" is flawed

I have the following "emergency funds" : 1) Physical cash emergency fund of (1) month of basic expenses + 2) Personal emergency fund, 12mo of basic expenses (this is despite having a stable career-permanent classification federal job). 1% interest + 3) a $10,000 emergency fund for each of...
by RJ5
Wed Jan 27, 2021 12:40 pm
Forum: Personal Investments
Topic: merrill edge fees on ETFs .01 to .03 per $1000
Replies: 9
Views: 1147

Re: merrill edge fees on ETFs .01 to .03 per $1000

standard par for the course
by RJ5
Tue Jan 19, 2021 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Pregnant - HDHP vs PPO decision
Replies: 34
Views: 2057

Re: Pregnant - HDHP vs PPO decision

HDHP.
by RJ5
Sun Jan 17, 2021 11:26 am
Forum: Personal Investments
Topic: Millennial - invest in bonds at all?
Replies: 105
Views: 8951

Re: Millennial - invest in bonds at all?

No bonds for this millennial
by RJ5
Sat Jan 16, 2021 11:12 pm
Forum: Investing - Theory, News & General
Topic: Muni bonds for taxable account?
Replies: 52
Views: 4880

Re: Muni bonds for taxable account?

I hold Vanguard PA muni bond fund in my taxable brokerage account. The shares were inherited. I've just let it be, and all kickoffs are re-invested into the fund. I pretend that it doesn't exist, nor do I even notice it being there since I'm a PA resident so I don't pay PA tax on it either
by RJ5
Sat Jan 16, 2021 4:39 pm
Forum: Personal Consumer Issues
Topic: Products to remove grime from metal
Replies: 27
Views: 1455

Re: Products to remove grime from metal

JupiterJones wrote: Tue Jan 12, 2021 10:16 am Barkeeper's Friend?
^^^ Thos

Barkeepers Friend helped me restore a burnt stainless steel pot. nothing else worked
by RJ5
Sat Jan 16, 2021 4:33 pm
Forum: Personal Consumer Issues
Topic: Options after being scammed on Ebay from buyer return scam
Replies: 51
Views: 5808

Re: Options after being scammed on Ebay from buyer return scam

I have been banned from selling on eBay for lifetime. This because I canceled too many orders from accounts that were recently opened and had zero ratings. My listings clearly said in all capitals that I would do so. I took this an action after getting scammed by a buyer with similar attributes. So...
by RJ5
Sat Jan 16, 2021 4:32 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5075
Views: 1323711

Re: What Book Are You Currently Reading? Part VI

Political Pilgrims by Paul Hollander
by RJ5
Sat Jan 16, 2021 3:15 pm
Forum: Personal Investments
Topic: Vanguard's service as Peanuts strip
Replies: 46
Views: 4017

Re: Vanguard's service as Peanuts strip

Every brokerage is going to push their advisor services on their customers now that index funds are approaching 0.00% or in some cases, are already there. The difference with Vanguard, is that I may have to deal with a random email or a random pop up here or there. Contrast this to Schwab online. Wh...
by RJ5
Sat Jan 16, 2021 3:50 am
Forum: Personal Finance (Not Investing)
Topic: current value of federal FERS pension (esp MRA+10)
Replies: 16
Views: 1185

Re: current value of federal FERS pension (esp MRA+10)

To be clear, I'm just trying to model the value of the FERS annuity and associated SS supplement. I'm aware that health benefits also kick in some scenarios but not others, and that's a big deal, but I'm not worried about including that complication. Thanks. Most folks rely upon the pros (corporate...
by RJ5
Sat Jan 16, 2021 2:38 am
Forum: Personal Investments
Topic: Brokerage Account at TD or Vanguard
Replies: 46
Views: 3192

Re: Brokerage Account at TD or Vanguard

I am probably the most boring investor, in his wealth accumulation phase and don't require anything complicated. I don't even have a 3 fund portfolio. I just throw money into VTSAX in a Vanguard Roth IRA and taxable brokerage. It's automated, and I don't need anything else from Vanguard or their web...
by RJ5
Sat Jan 16, 2021 1:58 am
Forum: Personal Investments
Topic: Way too much in MSFT in taxable, sell and pay tax or let it ride ?
Replies: 31
Views: 3007

Re: Way too much in MSFT in taxable, sell and pay tax or let it ride ?

I will be interested to hear what others have to say on this I have a family member whose MSFT holdings also have spiraled out of control to the point of becoming a massive tax liability and also being incredibly overweight in MSFT now. I guess it's a good problem to have, he can't complain. But it'...
by RJ5
Sat Jan 16, 2021 1:45 am
Forum: Personal Consumer Issues
Topic: Options after being scammed on Ebay from buyer return scam
Replies: 51
Views: 5808

Re: Options after being scammed on Ebay from buyer return scam

This same scam was used on me. The buyer's account wasn't new, it was an established dormant account that was hacked. Buyer claimed the power tool was defective, requested return. I had to approve. Buyer shipped item back. Item was delivered, yet nothing was delivered to my PO box. This is where bei...
by RJ5
Sat Jan 16, 2021 1:22 am
Forum: Personal Investments
Topic: Retiring early from windfall, mid 30s, what is the correct asset allocation to use?
Replies: 85
Views: 9103

Re: Retiring early from windfall, mid 30s, what is the correct asset allocation to use?

Move to Portugal

$2.5 Million, in my opinion, will not be enough to live on for the next 50-60 years in the USA, with no other source of income
by RJ5
Sat Jan 16, 2021 1:16 am
Forum: Personal Investments
Topic: Vanguard's service as Peanuts strip
Replies: 46
Views: 4017

Re: Vanguard's service as Peanuts strip

I don't know about the rest of the Bogleheads, but I couldn't care less about check writing from a Vanguard account. I write checks from my credit union checking account and get decent interest (currently 1%) to boot. Why are you keeping cash at Vanguard? Regards, Yeah I really don't understand tha...
by RJ5
Fri Jan 15, 2021 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Proof of funds to offer a house in Cash
Replies: 49
Views: 3469

Re: Proof of funds to offer a house in Cash

my last rental property was bought with cash. it was an estate sale. on day 1 of showings, 26 people showed up to look at it, that's how competitive it was. i provided current statement showing proof of funds of my offer. i waived all contingencies. i put in a 2 week close which is the bare minimum ...
by RJ5
Thu Jan 14, 2021 11:46 pm
Forum: Personal Investments
Topic: Opening a high yield savings account at an online-only bank as a FI/FIRE step
Replies: 37
Views: 2608

Re: Opening a high yield savings account at an online-only bank as a FI/FIRE step

I use Ally for checking and transactions For my emergency fund of 1 full yr of expenses, I hop around to different banks each year for the promos. I usually do 2 or 3 bank promos a year Then once I've exhausted all bank promos, I can sometimes go back and repeat promos with the same bank. When not d...
by RJ5
Fri Jan 08, 2021 1:29 am
Forum: Personal Finance (Not Investing)
Topic: How do you pay your taxes? Check or EFTPS?
Replies: 80
Views: 4818

Re: How do you pay your taxes? Check or EFTPS?

i paid with a snail mail check in 2020, certified first class. it reached the IRS no issue, certified proof of delivery problem is the IRS hasn't cashed it. it's been 3 months. IRS is saying it may take up to 20 weeks to process the check now and just to keep the proof of delivery in case a problem ...
by RJ5
Fri Jan 08, 2021 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee HSA Questions
Replies: 10
Views: 742

Re: Federal Employee HSA Questions

Federal employee here (Dept. of Interior). I just switched from a non-HDHP to a HDHP (GEHA) during this past open season, and could use some help clarifying a couple things: 1) My HSA account has been established (via HSA Bank), however, my HDHP is effective as of Jan 3rd, 2021. Since I was not cov...
by RJ5
Fri Jan 08, 2021 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee HSA Questions
Replies: 10
Views: 742

Re: Federal Employee HSA Questions

HSA Bank is "ok". a bit clunky but other than that, i don't even really deal with them much. they make you keep $1,000 balance, anything above you can auto-sweep to TD Ameritrade for investing. been doing that for a while, I just dump it all into Vanguard's total stock market index (VTI)....
by RJ5
Thu Jan 07, 2021 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee HSA Questions
Replies: 10
Views: 742

Re: Federal Employee HSA Questions

1) best follow what it says 2) see above 3) HSA contributions are made in MyPay. They take effect much more quickly than the slow-arse TSP election changes. HSA Contribution changes in MyPay take the same amount of time to process as an Allotment change. side note: you made a good choice going with ...
by RJ5
Fri Jan 01, 2021 11:37 pm
Forum: Personal Investments
Topic: What to do with $200k intended for Real Esate
Replies: 14
Views: 1253

Re: What to do with $200k intended for Real Esate

unless the #'s are phenomenal despite the price inflation we are seeing now (along with the inflation in construction costs of both material and labor due to demand), i am not touching any new real estate deals right now. the knife is off the table but hasn't begun to fall yet unless there is a solu...
by RJ5
Fri Jan 01, 2021 11:26 pm
Forum: Personal Investments
Topic: Fed Nearing Retirement....
Replies: 8
Views: 1628

Re: Fed Nearing Retirement....

from one Fed to another....heck with those numbers I'd already be out and enjoying life. ha! or have you not reached MRA yet? It is not mathematically possible to have an MRA abovr that age with that high a pension. i meant to say minimum required service not minimum retired age, my mistake. theore...
by RJ5
Fri Jan 01, 2021 9:30 pm
Forum: Personal Investments
Topic: Fed Nearing Retirement....
Replies: 8
Views: 1628

Re: Fed Nearing Retirement....

from one Fed to another....heck with those numbers I'd already be out and enjoying life. ha!

or have you not reached MRA yet?
by RJ5
Tue Oct 06, 2020 9:08 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Zero funds vs Vanguard performance
Replies: 59
Views: 8418

Re: Fidelity Zero funds vs Vanguard performance

investing long term in the Zero funds means they are retaining your investments, since they know you cannot transfer them out without selling
for many who get deeper and deeper into these funds, selling and creating a taxable event is out of the question.

i prefer not to dabble in that game.
by RJ5
Tue Oct 06, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: Why not Real Estate instead of Stocks?
Replies: 188
Views: 17264

Re: Why not Real Estate instead of Stocks?

In my opinion the U.S is going to need to figure out the housing situation otherwise we will end up like places like Germany where 5% of the population owns 50% of the housing. The price/sqft of new homes hasn’t changed much in over 50+ years Americans just want bigger and bigger homes because they...
by RJ5
Mon Oct 05, 2020 5:55 pm
Forum: Investing - Theory, News & General
Topic: Why not Real Estate instead of Stocks?
Replies: 188
Views: 17264

Re: Why not Real Estate instead of Stocks?

"Americans just want bigger and bigger homes because they’re not financially literate, and think the home is an investment" As someone who is involved in real estate, this isn't exactly what is driving the direction that homes have taken. Builders need to make a profit, and since the price...
by RJ5
Mon Oct 05, 2020 5:44 pm
Forum: Investing - Theory, News & General
Topic: Smarter approach to "emergency funds"?
Replies: 193
Views: 34131

Re: Smarter approach to "emergency funds"?

Everyone has a different need for emergency cash. Some may literally need it to be cash, as in paper currency, within arms reach ready to go on any moment's notice. Think people who have been displaced due to natural disasters. In the last major hurricanes of years past, your credit cards were worth...
by RJ5
Mon Oct 05, 2020 11:20 am
Forum: Investing - Theory, News & General
Topic: Treasury Money Market Treasury Percentage
Replies: 19
Views: 1481

Re: Treasury Money Market Treasury Percentage

I can name at least half a dozen online high yield savings accounts paying 8x-10x what a 3-month treasury bill is paying. just to name a few: Chime Bank 1%, First Foundation 1%, Live Oak Bank 0.7%, Simple Bank 0.8%, Vio Bank 0.76%. creating some online savings accounts to at least get some interest...
by RJ5
Mon Oct 05, 2020 11:17 am
Forum: Investing - Theory, News & General
Topic: Treasury Money Market Treasury Percentage
Replies: 19
Views: 1481

Re: Treasury Money Market Treasury Percentage

another option i stumbled across T-mobile Money via Customer's Bank. 4% on first $3,000 and 1% on anything above that FDIC insured $250K All customers earn 1.00% Annual Percentage Yield (APY)* on all balances regardless of their deposit activity. T-Mobile wireless customers with an eligible postpai...
by RJ5
Mon Oct 05, 2020 9:27 am
Forum: Investing - Theory, News & General
Topic: Treasury Money Market Treasury Percentage
Replies: 19
Views: 1481

Re: Treasury Money Market Treasury Percentage

another option i stumbled across

T-mobile Money via Customer's Bank. 4% on first $3,000 and 1% on anything above that
FDIC insured $250K
by RJ5
Sun Oct 04, 2020 9:22 pm
Forum: Investing - Theory, News & General
Topic: Treasury Money Market Treasury Percentage
Replies: 19
Views: 1481

Re: Treasury Money Market Treasury Percentage

I can name at least half a dozen online high yield savings accounts paying 8x-10x what a 3-month treasury bill is paying. just to name a few: Chime Bank 1%, First Foundation 1%, Live Oak Bank 0.7%, Simple Bank 0.8%, Vio Bank 0.76%. creating some online savings accounts to at least get some interest ...
by RJ5
Sun Oct 04, 2020 9:13 pm
Forum: Investing - Theory, News & General
Topic: Why not Real Estate instead of Stocks?
Replies: 188
Views: 17264

Re: Why not Real Estate instead of Stocks?

the last 6 months have shown the importance of diversification i am a firm believer of doing everything Having some form of W-2 wage income Do Index investing either through accessible 401K, IRA, or Roth IRA, etc Have some cash flowing real estate Maybe even a side hustle that generates some cash flow
by RJ5
Fri Jul 17, 2020 12:38 pm
Forum: Personal Investments
Topic: Here Is My Full Picture - Where To Go From Here?
Replies: 8
Views: 1280

Re: Here Is My Full Picture - Where To Go From Here?

Maybe I missed it, but do you have a good disability insurance policy? Yes, my apologies for leaving that out, that's the MOST important insurance. I just edited my post the Federal Government FERS retirement system has a disability insurance benefit component built into the system 60% of your sala...
by RJ5
Fri Jul 17, 2020 12:33 pm
Forum: Personal Investments
Topic: Here Is My Full Picture - Where To Go From Here?
Replies: 8
Views: 1280

Re: Here Is My Full Picture - Where To Go From Here?

It sounds like you've got the right idea and are asking good questions. It seems that your passion is rental properties, and that can be really lucrative. However, keeping a lot of cash while you wait and hope for a good deal to come up seems like your largest opportunity cost, and what you're tryi...
by RJ5
Fri Jul 17, 2020 12:07 pm
Forum: Personal Investments
Topic: Here Is My Full Picture - Where To Go From Here?
Replies: 8
Views: 1280

Re: Here Is My Full Picture - Where To Go From Here?

You are doing well and you do not need a Financial Advisor, but I would recommend simplifying your finances. 1. Payoff the car loan tomorrow. 2. Increase your 401k contributions. 3. Consolidate E*TRADE into Vanguard. 4. Consolidate your savings/checking accounts. 5. Consider paying down some of the...
by RJ5
Thu Jul 16, 2020 5:24 pm
Forum: Personal Investments
Topic: Here Is My Full Picture - Where To Go From Here?
Replies: 8
Views: 1280

Here Is My Full Picture - Where To Go From Here?

Age: 35 yrs old, not married and currently single, 0 dependents  Background: STEM degree, started career at age 22 after graduation. College sweetheart life plans fell apart with her resulting in a slew of unexpected relocations, settled in Northeast for the long term. Have worked in private and gov...