Search found 176 matches
- Fri Mar 11, 2022 5:53 pm
- Forum: Personal Investments
- Topic: Are you buying I bonds right now?
- Replies: 103
- Views: 14062
Re: Are you buying I bonds right now?
I plan on buying the full 10K in 2022. Question for those buying...any advantage waiting till May when a new rate comes out? Or would you just buy the 10K now? I guess the other option is put in 5K now and then another 5K later in the year.
- Sun Feb 06, 2022 2:59 am
- Forum: Personal Consumer Issues
- Topic: What watch do you wear on a daily basis, or are you wearing today?
- Replies: 382
- Views: 33441
Re: What watch do you wear on a daily basis?
Apple watch series 4. Love it.
- Sat Feb 05, 2022 5:11 am
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 4288
- Views: 1081755
Re: Share your networth progression
Current age: 36. Unfortunately wasted my 20s and early 30s spending too much and not saving. Over the last 4 years since finding this site I'm proud of the progress I've made. Hopefully I'm on track now to be in good shape around 60-65. May 2011: -$46,118 May 2012: -$13,336 May 2013: $2,978 Apr 2014: $34,900 Apr 2015: $64,475 Current salary is $60K My update: Oct 2016: $107,950. Feels good to have amassed the first 100K. Still a long ways to go though. Another update: Oct 2017: 169,000 Oct 2018: 209,000 Updating since Oct 2018... May 2011: -46,118 May 2012: -13,336 May 2013: 2,978 Apr 2014: 34,900 Apr 2015: 64,475 Oct 2016: 107,950 Oct 2017: 169,000 Oct 2018: 209,000 Jan 2019: 221,800 Jan 2020: 269,025 Jan 2021: 325,175 Jan 2022: 332,925 2...
- Thu Feb 03, 2022 5:44 am
- Forum: Personal Investments
- Topic: Early 30s - Invest in iBonds?
- Replies: 49
- Views: 5889
Re: Early 30s - Invest in iBonds?
To answer in one word. YES! They can serve as an emergency fund in a bind and will get you better interest rates than banks. The only downside as I see it is the one year no cashout. If you can handle that, then, to me, it is a no brainer you should hold.
- Mon Jun 21, 2021 3:47 pm
- Forum: Personal Consumer Issues
- Topic: Do you use a Kindle? Are they worth trying?
- Replies: 133
- Views: 11414
Re: Do you use a Kindle? Are they worth trying?
I absolutely love mine. If I didn't live overseas and move around often maybe I'd feel different. Minimalists I think are big fans. The paperwhite is discounted down to 80 on Prime day. Perfect time to try one.
- Sat May 08, 2021 8:25 pm
- Forum: Personal Investments
- Topic: Willing to share your Taxable Portfolio?
- Replies: 381
- Views: 57603
Re: Willing to share your Taxable Portfolio?
About 70/30 Stocks/Bonds. For stocks 50/50 VTI/VXUS. For Bonds I bonds, some CDs, Ally and Marcus savings accounts. Starting to put a bit in crypto though so my overall ratio will change a bit. Most likely will be 70/25/5 now.
- Fri May 07, 2021 7:58 pm
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3617
- Views: 568566
Re: Milestone #2 250K
Hi everybody, Just wanted to post because I hit a mini milestone today. Checked my Vanguard account and my stock holdings were just over 100K. I know this is small for most people on here, but considering I started investing in March 2013 and don't make a huge salary (I'm a teacher) it's something I'm happy about. I will keep my overall portfolio at about 70/30 stock to bond and keep using VTI/VXUS at a 50/50 ratio. Really appreciate all your guys' help on here and hope the next milestone, 200K for the whole portfolio, occurs by summer 2K18. Thanks again guys. Now I probably jinxed things and will be back under 100K in a few hours when the market opens. Congratulations VAslim16! One $100k at a time! Great Job. You started a neat thread wit...
- Thu Apr 29, 2021 10:56 am
- Forum: Investing - Theory, News & General
- Topic: What are your crypto holdings!
- Replies: 178
- Views: 16636
Re: What are your crypto holdings!
I just got in today. Purchased 1K total on Robinhood. 70% BTC and 30% ETH. The plan is to keep buying until I have 5 to 10% of those two as part of my portfolio. Just wanted to own some.
- Fri Mar 05, 2021 3:24 am
- Forum: Investing - Theory, News & General
- Topic: 2021 I Bonds: what's your plan?
- Replies: 468
- Views: 98035
Re: 2021 I Bonds: what's your plan?
Bumping. Does JPs talk Thursday change any minds?
- Fri Feb 26, 2021 9:14 pm
- Forum: Investing - Theory, News & General
- Topic: 2021 I Bonds: what's your plan?
- Replies: 468
- Views: 98035
Re: 2021 I Bonds: what's your plan?
Thanks. But I meant greater than 0 and not less than .
- Fri Feb 26, 2021 8:48 pm
- Forum: Investing - Theory, News & General
- Topic: 2021 I Bonds: what's your plan?
- Replies: 468
- Views: 98035
Re: 2021 I Bonds: what's your plan?
Anybody think there is a chance fixed rate will be > 0 in May? I know back in Dec almost nobody thought that. Have those thoughts changed?
- Mon Feb 15, 2021 6:24 am
- Forum: Investing - Theory, News & General
- Topic: Market valuations? Somethings got to give
- Replies: 269
- Views: 23150
Re: Market valuations? Somethings got to give
Love this. I do think the market is overvalued...so the best I can do (IMHO) is rebalance back to my 70/30 allocation. I have a little uncertainty about my job for the next year so I am okay locking in some profits (but also potentially losing out on more) to get a bit more cash just in case I need it.burritoLover wrote: ↑Sat Feb 13, 2021 7:30 am I'm sure this bubble will pop within the next year to 15 years so you should move to cash now.
- Tue Jan 05, 2021 4:57 am
- Forum: Investing - Theory, News & General
- Topic: International stocks will outperform US stocks in 2021
- Replies: 174
- Views: 25064
Re: International stocks will outperform US stocks in 2021
Interested to see how this one goes.
- Tue Jan 05, 2021 4:56 am
- Forum: Personal Finance (Not Investing)
- Topic: Got my stimulus check, how about you?
- Replies: 212
- Views: 20068
Re: Got my stimulus check, how about you?
Yep mine hit my checking account 31 Dec.
- Tue Dec 29, 2020 6:12 am
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 4288
- Views: 1081755
Re: Share your networth progression
Current age: 36. Unfortunately wasted my 20s and early 30s spending too much and not saving. Over the last 4 years since finding this site I'm proud of the progress I've made. Hopefully I'm on track now to be in good shape around 60-65. May 2011: -$46,118 May 2012: -$13,336 May 2013: $2,978 Apr 2014: $34,900 Apr 2015: $64,475 Current salary is $60K My update: Oct 2016: $107,950. Feels good to have amassed the first 100K. Still a long ways to go though. Another update: Oct 2017: 169,000 Oct 2018: 209,000 Nov 2019: 260,325 2020 update: May 2011: -$46,118 May 2012: -$13,336 May 2013: $2,978 Apr 2014: $34,900 Apr 2015: $64,475 Oct 2016: $107,950 Oct 2017: $169,000 Oct 2018: $209,000 Nov 2019: $260,325 Nov 2020: $316,275
- Sat Dec 19, 2020 11:44 pm
- Forum: Personal Investments
- Topic: EE bonds soon?
- Replies: 26
- Views: 2870
Re: EE bonds soon?
Thanks man. You don't see that as too risky? I kinda like it to be honest. Keep 36K in cash...each year add 10K I bonds then have the rest at the 50/50 split.
- Sat Dec 19, 2020 10:58 pm
- Forum: Personal Investments
- Topic: EE bonds soon?
- Replies: 26
- Views: 2870
Re: EE bonds soon?
Any other thoughts guys? I am about two months away from deciding yes or no. Ironically, my thinking now is keep doing 10K in I bonds yearly, keep the 70/30 split for another 5 years or so (or maybe forever)...and having excess funds in CDs or VWTIX. I don't really have any options for tax-exempt investing now FYI. The point of 3.5% over 20 years not being that great is well taken. Especially with inflation expected to ramp up. Thanks as always.
- Fri Dec 18, 2020 9:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: What is the Worst Financial Decision/Mistake You Have Made?
- Replies: 657
- Views: 134456
Re: What is the Worst Financial Decision/Mistake You Have Made?
Spending way too much on sports gambling
- Wed Oct 28, 2020 7:25 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 36221
- Views: 4683319
- Wed Sep 23, 2020 11:11 pm
- Forum: Personal Investments
- Topic: Long Suffering VXUS Holder No More
- Replies: 218
- Views: 27798
Re: Long Suffering VXUS Holder No More
VXUS holder here. Has been sad watching it do nothing while VTI has soared. Thought about doing what you have but have not and (most likely) will not. Follow the plan is what "they" say. I will continue to do so. 41 so (hopefully) lots of time to see international make up ground.
- Wed Sep 16, 2020 7:41 am
- Forum: Personal Consumer Issues
- Topic: Online Resources for Learning Physics (AP Physics / High School)
- Replies: 14
- Views: 1319
Re: Online Resources for Learning Physics (AP Physics / High School)
Also AP subjects have their own channels on YouTube. Be sure he gets on that. And his teacher should get him enrolled on AP Classroom. They order exams now thru classroom so he needs to be enrolled there regardless.AKBTX14 wrote: ↑Mon Sep 14, 2020 4:01 pm Hi
It's been a long time since I studied Physics. My kid is taking AP Physics-I in high school (school is all on-line).
Lack of in-person classes and a book is not helping my kid in this subject and he asked me for help.
Are there any Physics subject experts / HS teachers here who can direct us to online resources etc. I would not mind re-reading Physics myself to help him as well. Thanks
Regards
- Wed Sep 16, 2020 3:23 am
- Forum: Personal Consumer Issues
- Topic: Should I buy a new rice cooker from Zojirushi?
- Replies: 103
- Views: 13862
Re: Should I buy a new rice cooker from Zojirushi?
Zojirushi is an awesome brand. I'd buy anything they make. To me the quality is worth the higher price.
- Tue Sep 15, 2020 10:15 am
- Forum: Personal Investments
- Topic: EE bonds soon?
- Replies: 26
- Views: 2870
Re: EE bonds soon?
No unfortunately I don't. Yeah hopefully I can swing 10K a year in both I bonds and EE bonds and still put enough into stocks also to keep my 70/30 ratio. Will be tough but I like a challenge.aristotelian wrote: ↑Tue Sep 15, 2020 9:55 am I have started buying some this year at age 46. I think if I buy for the next few years they can be useful to provide a ladder of income while delaying Social Security. I wish I had started a few years earlier. As long as you don't need the liquidity, 3.5% return is way better than anything currently on the market.
As a teacher, by any chance do you have access to TIAA Traditional Annuity? That would be the only thing that comes close.
- Tue Sep 15, 2020 10:13 am
- Forum: Personal Investments
- Topic: EE bonds soon?
- Replies: 26
- Views: 2870
Re: EE bonds soon?
If one holds for exactly 20 years they double in value.RyeBourbon wrote: ↑Tue Sep 15, 2020 10:01 amWhere does the 3.5% come from? I think they're paying 0.1% right now.aristotelian wrote: ↑Tue Sep 15, 2020 9:55 am I have started buying some this year at age 46. I think if I buy for the next few years they can be useful to provide a ladder of income while delaying Social Security. I wish I had started a few years earlier. As long as you don't need the liquidity, 3.5% return is way better than anything currently on the market.
As a teacher, by any chance do you have access to TIAA Traditional Annuity? That would be the only thing that comes close.
- Tue Sep 15, 2020 9:07 am
- Forum: Personal Investments
- Topic: EE bonds soon?
- Replies: 26
- Views: 2870
Re: EE bonds soon?
Yeah thanks Grt. I would do something like 830 monthly just to have the steady monthly income. Much appreciated on your thoughts.
- Tue Sep 15, 2020 8:52 am
- Forum: Personal Investments
- Topic: EE bonds soon?
- Replies: 26
- Views: 2870
EE bonds soon?
Hi all, Looking for some opinions on whether EE bonds might be a good fit for me. I am single, 41 and will be 42 in a few months. My portfolio is about 300K (not great, but not bad for a teacher salary). I work mostly overseas so all my investments are in a taxable account. I am 70/30 with my stocks an even 50/50 VTI/VXUS and my fixed income in I-bonds, CDs and cash. With all that is going on, I am wondering if starting at my 42nd b-day I start investing 1K a month in EE bonds, with the idea that I withdrawal in 20 years and have 2K in income. I still plan on investing 10K a year in I-bonds but if I allocate another 10K to EE bonds, I might not have as much as I'd like to invest in stocks. So, just looking for thoughts/insights/different pe...
- Fri Aug 28, 2020 4:12 pm
- Forum: Investing - Theory, News & General
- Topic: How long could you live off your portfolio if the worst happened?
- Replies: 152
- Views: 21608
Re: How long could you live off your portfolio if the worst happened?
In that scenario I estimate I could live off it for about 5 years. Yep...still work to do here.
- Thu Jul 30, 2020 12:07 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks continue to soar!
- Replies: 22381
- Views: 2138761
Re: U.S. stocks continue to soar!
- Thu Jul 30, 2020 8:06 am
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks continue to soar!
- Replies: 22381
- Views: 2138761
Re: U.S. stocks continue to soar!
I agree. I think today could be a 5%+ drop. Not that ill do anything if that is the case. Curious to see though soon...lostdog wrote: ↑Thu Jul 30, 2020 4:58 amThe USD is still getting hammered and might go on for awhile. If I was a US only index investor, I would be a bit concerned.
Looks like a free fall day today. Give and take at it again. Might have to fire up that thread. Looks like the faang earnings might not be able to save the day.
- Sun Jul 26, 2020 12:55 am
- Forum: Investing - Theory, News & General
- Topic: Who's doing 100% international equity?
- Replies: 129
- Views: 20210
Re: Who's doing 100% international equity?
I'm 50/50 US/Int. This thread makes me feel better about that ratio so thanks for starting it.
- Wed Jul 22, 2020 4:56 pm
- Forum: Non-US Investing
- Topic: Couple of Question for Bogleheads who are out of the US [Thailand]
- Replies: 10
- Views: 1232
Re: Couple of Question for Bogleheads who are out of the US
Yes for Ally as well as Vanguard. Not sure about SS payout question but my guess is no.
- Wed Jul 15, 2020 4:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Ally 1% bonus, up to $250, sign up by 3/23
- Replies: 252
- Views: 27787
Re: Ally 1% bonus, up to $250, sign up by 3/23
Yep got mine too. Forgot about the offer as it was so long ago. Nice positive email to get today
- Sun Jul 12, 2020 7:06 pm
- Forum: Personal Investments
- Topic: Alternatives to cash
- Replies: 14
- Views: 2497
Re: Alternatives to cash
I bonds come to mind.
- Mon Jun 15, 2020 12:53 pm
- Forum: Personal Investments
- Topic: About to do my first Backdoor Roth - nervous!
- Replies: 26
- Views: 1731
Re: About to do my first Backdoor Roth - nervous!
Awesome. Thanks for the info lakpr.lakpr wrote: ↑Mon Jun 15, 2020 12:43 pmNo. Backdoor Roth is a process where you contribute "earned income" up to $6k per year to a Traditional IRA, and assuming you have no other pre-tax assets, convert that to Roth IRA.
If you have no earned income, the whole process is dead in the water.
You MAY BE able to have a Roth, either direct or backdoor, if you use Foreign Tax Credit instead
- Mon Jun 15, 2020 12:39 pm
- Forum: Personal Investments
- Topic: About to do my first Backdoor Roth - nervous!
- Replies: 26
- Views: 1731
Re: About to do my first Backdoor Roth - nervous!
Can one do a backdoor Roth if she has no earned income because of living overseas and using foreign earned income exemption?
- Thu Apr 23, 2020 10:09 pm
- Forum: Personal Investments
- Topic: I-Bonds for emergency fund, now or wait?
- Replies: 22
- Views: 3726
Re: I-Bonds for emergency fund, now or wait?
+2. Fixed rate will most likely be lower after April.Mel Lindauer wrote: ↑Thu Apr 23, 2020 10:01 pmI agree. Don't see any reason to wait and several reasons not to.
- Sat Apr 04, 2020 6:51 am
- Forum: Personal Consumer Issues
- Topic: Should I cancel my travel in France and Belgium in mid May?
- Replies: 75
- Views: 7128
Re: Should I cancel my travel in France and Belgium in mid May?
Yes. You should.
- Tue Mar 31, 2020 10:41 am
- Forum: Investing - Theory, News & General
- Topic: Who is buying I Bonds before May 1st?
- Replies: 54
- Views: 6462
Re: Who is buying I Bonds before May 1st?
I will be buying. Would like to add to the emergency fund but I def wanna get that 0.2% fixed rate before it goes to 0 in May.
- Mon Mar 16, 2020 10:17 am
- Forum: Personal Investments
- Topic: The Black Swan is Here
- Replies: 164
- Views: 21747
Re: The Black Swan is Here
I'm early 40s with a decent (but not great) chunk saved for retirement. I am 75/25 with my stock portion 50/50 US vs INT. I would like to say I will rebalance according to my IPS 5/20 bands. But this recent drop is causing my to worry about my job a bit (among other things). My plan is to keep adding equity monthly but not rebalance. Part of me wants to add a bit more to my emergency fund but I'm not sure I will do that yet. I guess this is good in a way (if we ever come out of it) as my true tolerance for risk is being tested for first time.
- Tue Mar 10, 2020 8:19 am
- Forum: Investing - Theory, News & General
- Topic: Rebalancing these days
- Replies: 17
- Views: 1403
Re: Rebalancing these days
I haven't run the numbers, but I suspect I've probably hit a rebalancing band. 2/3 of our money auto-rebalances, because it's in Wellington/Wellesley or a roboadvisor account. So it's basically just the 401(k)s. I'll probably look today or tomorrow, and take whatever action is necessary to restore my AA. One thing I did do immediately once we had those first three ~3% down days in a row, was change my 401(k) contributions from being in line with my AA to 100% equities (70% US, 30% International). That will slow the shift slightly, but I'll probably still need to rebalance what I've got. Thanks, that’s what I do too with contributions, just not sure if it’s wise or not to rebalance when things are as volatile as they’ve been the last few da...
- Fri Feb 14, 2020 3:35 pm
- Forum: Investing - Theory, News & General
- Topic: ETF to Hold for 50 Years
- Replies: 118
- Views: 13857
Re: ETF to Hold for 50 Years
ThisLiving Free wrote: ↑Tue Jan 21, 2020 10:03 am VTI and VXUS (vanguard total US and total international stock index ETFs)
- Sat Dec 21, 2019 7:21 am
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3617
- Views: 568566
Re: Post your Financial Milestone Announcements Here
Well done JCB. Impressive accomplishment. Proud of you for being disciplined for that time. Enjoy it.
- Sat Dec 21, 2019 5:59 am
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3617
- Views: 568566
Re: Milestone #2 250K
Hi everybody, Just wanted to post because I hit a mini milestone today. Checked my Vanguard account and my stock holdings were just over 100K. I know this is small for most people on here, but considering I started investing in March 2013 and don't make a huge salary (I'm a teacher) it's something I'm happy about. I will keep my overall portfolio at about 70/30 stock to bond and keep using VTI/VXUS at a 50/50 ratio. Really appreciate all your guys' help on here and hope the next milestone, 200K for the whole portfolio, occurs by summer 2K18. Thanks again guys. Now I probably jinxed things and will be back under 100K in a few hours when the market opens. Congrats! And since you posted this a couple years back, here's to hoping you hit $200k...
- Sat Dec 21, 2019 5:55 am
- Forum: Investing - Theory, News & General
- Topic: What is your AA, given your age? and, Why?
- Replies: 284
- Views: 43550
Re: What is your AA, given your age? and, Why?
I am 3 months from 41 and at 75/25 currently. Might go to 70/30 at 45 but don't see myself going higher than that for awhile.
- Fri Nov 29, 2019 3:05 am
- Forum: Forum Issues and Administration
- Topic: Giving thanks to our moderators
- Replies: 94
- Views: 10801
Re: Giving thanks to our moderators
Yes. Thank you guys! Appreciate what you do
- Thu Nov 28, 2019 8:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 4288
- Views: 1081755
Re: Share your net worth progression
Good point here. We always need to keep perspective
- Thu Nov 28, 2019 8:08 pm
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 4288
- Views: 1081755
Re: Share your net worth progression
Thanks...but my salary will probably never exceed 100K so I think your numbers are higher than mine will ever beGrateful4321 wrote: ↑Thu Nov 28, 2019 6:59 pm Been tracking since I was 30. Did not really get started until then, but it's been a good run. My career really took off in my 40s so don't get discouraged.
1997 30,000
1998 42,034
1999 75,890
2000 101,345
2001 122,308
2002 196,088
2003 226,451
2004 279,462
2005 440,229
2006 445,943
2007 562,357
2008 926,609
2009 1,335,421
2010 2,183,287
2011 2,537,789
2012 3,039,069
2013 3,722,929
2014 3,869,416
2015 3,967,895
2016 4,393,981
2017 5,158,255
2018 5,113,071
2019 5,950,000
- Thu Nov 28, 2019 6:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 4288
- Views: 1081755
Re: Share your networth progression
Nov 2019: 260,325VAslim16 wrote: ↑Sat Jan 12, 2019 7:24 pmAnother update:VAslim16 wrote: ↑Tue Nov 15, 2016 3:41 pmMy update:VAslim16 wrote:Current age: 36. Unfortunately wasted my 20s and early 30s spending too much and not saving. Over the last 4 years since finding this site I'm proud of the progress I've made. Hopefully I'm on track now to be in good shape around 60-65.
May 2011: -$46,118
May 2012: -$13,336
May 2013: $2,978
Apr 2014: $34,900
Apr 2015: $64,475
Current salary is $60K
Oct 2016: $107,950. Feels good to have amassed the first 100K. Still a long ways to go though.
Oct 2017: 169,000
Oct 2018: 209,000
- Sat Nov 09, 2019 7:54 am
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3617
- Views: 568566
Re: Mini Milestone 100K
I know I will sound like a broken record to some, but you are a fairly new BH so you get to hear it at least once. Arbitrary dollar amounts are not good milestones, because individual circumstances vary widely. A number of zeros might feel good, but the better yardstick is a multiplier of your gross income (1X, 2X, 4X, 8X). Once you get to about 8X the best yardstick will be a multiplier of your expenses in retirement. It is probably always the best yardstick, but it is hard to project what that might be early in the accumulation stage. X income is a good substitute as it should increase some range +- of the wage index. Wanted to update that I’m now at 250K which is 4x income. Hoping to be at 500K in 5 years which would be about 7x income ...
- Tue Jul 30, 2019 3:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Renter Forever?
- Replies: 68
- Views: 8251
Re: Renter Forever?
Thanks Silk.Silk McCue wrote: ↑Tue Jul 30, 2019 3:45 pm This a good thread for you to look at.
viewtopic.php?t=242380
The search box is your friend.
Cheers