Search found 2406 matches

by surfstar
Fri Mar 28, 2014 1:41 pm
Forum: Investing - Theory, News & General
Topic: Fund expense and profit
Replies: 13
Views: 1293

Re: Fund expense and profit

While we're looking backwards, comparing these two: http://quote.morningstar.com/fund/chart.aspx?t=VTENX&region=USA&culture=en-US&statePara=%7Bsecurities%3A%5B%7Bn%3A%22Vanguard%20Target%20Retirement%202010%20Inv%22%2Cids%3A%22FOUSA05HZC%7C0P00005XLA%7CCU%24%24%24%24%24USD%7C1%7C1%7CFO%7...
by surfstar
Fri Mar 28, 2014 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 95379

Re: What age did you reach 100K networth?

Another data point for the lower earners and renters - I'm projecting for 35 [2015].
by surfstar
Fri Mar 28, 2014 11:07 am
Forum: Investing - Theory, News & General
Topic: Why does a Boglehead move to an adviser at 1.25% AUM?
Replies: 63
Views: 6914

Re: Why does a Boglehead move to an adviser at 1.25% AUM?

... So fellow Bogleheads, if you were about 50 and still working because you wanted to and not because you had to , ... Thoughts? This is the key. He can afford to pay someone to manage his money. Like washing a car or landscaping, etc. This isn't someone who's debating whether or not a certain AA ...
by surfstar
Thu Mar 27, 2014 9:57 am
Forum: Personal Consumer Issues
Topic: Auto repair - "Threads getting thin in oil pan drain plug"
Replies: 40
Views: 15416

Re: Auto repair - "Threads getting thin in oil pan drain plu

I HIGHLY, HIGHLY recommend following the above advice to use a Fumoto valve.

All you have to do is seal it (the threads) good, once, and you're set for the life of the car now. Cheap, simple solution.
by surfstar
Wed Mar 26, 2014 10:31 am
Forum: Personal Finance (Not Investing)
Topic: young sports stars.. or programmers
Replies: 26
Views: 3580

Re: young sports stars.. or programmers

Money isn't everything. I work 9 hour days, get every other Friday off - a 3-day weekend twice a month minimum is HUGE . I would have to have a very, very large pay increase to give that up. I don't work any overtime. No stress - leave when the day is done, whether the work is or not. I doubt people...
by surfstar
Mon Mar 24, 2014 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 101
Views: 100115

Re: Convince me to get a credit card

OP: do you drive?

Using a CC at the pump is faster and guarantees you'll fill up your tank vs guessing with cash and coming up short, or going back for a refund. Besides, who wants to wait in line behind people to say "$40 on #1"? What a waste of time.
by surfstar
Mon Mar 24, 2014 12:37 pm
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 4155

Re: Road trip advice?

Podcasts. Music gets boring easily while podcasts keep you awake as its close to being in a conversation. (For me at least) Your preference may vary, but these are the ones I like to listen to daily: Bill Handel (AM 640 in LA) Adam Carolla This American Life WNYC Radiolab WTF - Marc Maron Enjoy the...
by surfstar
Mon Mar 24, 2014 12:20 pm
Forum: Investing - Theory, News & General
Topic: Help me settle a debate -- Risk in Retirement
Replies: 61
Views: 6084

Re: Help me settle a debate -- Risk in Retirement

Saving $3 million for which you have no use or plan for is more than a little overshoot. It wasn't listed as an option but I would have retired 10 years earlier in this scenario. This. But if I did have $3 million and pensions/SS covered all my bills... I'd start flying first-class. Okay, I would i...
by surfstar
Tue Mar 18, 2014 10:37 am
Forum: Personal Consumer Issues
Topic: CAR: should I buy new/used, cash/financed? [POLL]
Replies: 17
Views: 1941

Re: CAR: should I buy new/used, cash/financed? (w/$details)

Regarding gas mileage, I think anything at 25+ mpg is acceptable. He doesn't need a pick-up, but does require trips every so often where the ability to tow/carry would be helpful. He could either go with a car and a Harbor Freight utility trailer if the tow/hauling would be locally, or if its cargo...
by surfstar
Mon Mar 17, 2014 6:57 pm
Forum: Investing - Theory, News & General
Topic: The Intelligent Investor
Replies: 27
Views: 4949

Re: The Intelligent Investor

Sure, you could make a study that proves this [insert statistical method here] works. That's looking BACKWARDS, though. Good luck timing it properly going forwards.
by surfstar
Thu Mar 13, 2014 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is a 457 worth it?
Replies: 15
Views: 2814

Re: Is a 457 worth it?

I will be using my 457 to bridge the gap from retirement on a small pension (due to early retirement) to Roth withdrawals (at least if needed, who knows what 17-22 years ahead will look like). Wish I had realized this a year or two earlier and started contributions sooner. My lowest ER is 0.95, so d...
by surfstar
Thu Mar 13, 2014 5:25 pm
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 5067

Re: Is there Software for one's car maintenance schedule

All you have to do is to read your owners manual which comes in the glove compartment of your new car. That tells you the intervals that maintenance is required. If the dealership deviates from that, you ask them to show you why additional service is requires (leaking fluid, etc.). Again, the maint...
by surfstar
Thu Mar 13, 2014 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a side job?
Replies: 59
Views: 8995

Re: Do you have a side job?

Time is money, right? I pay myself by not working whenever possible. The time you loose today, you never get back.

:D
by surfstar
Thu Mar 13, 2014 12:16 pm
Forum: Investing - Theory, News & General
Topic: Turn spare change into big bucks?
Replies: 29
Views: 3127

Re: Turn spare change into big bucks?

Its is clearly not marketed towards Bogleheads.

Could be useful to teach people how a little bit of savings can add up easily and how you won't even notice the money 'gone'.
by surfstar
Wed Mar 12, 2014 9:45 am
Forum: Investing - Theory, News & General
Topic: After Tax Investing vs. Pre Tax Investing
Replies: 26
Views: 1813

Re: After Tax Investing vs. Pre Tax Investing

In my newb-ish investor opinion: no one knows the future - returns, taxes, whatever - so its hard to say for certainty what would be the better option. By max'ing out your Roth, and 401k, though (especially starting in your mid 20s), you are setting yourself up for a good, stable retirement. :shareb...
by surfstar
Tue Mar 11, 2014 4:27 pm
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 5067

Re: Is there Software for one's car maintenance schedule

I've found that most of the "recommended" things they try to talk you into paying for are actually not based on anything close to what's in the manufacturer's maintenance schedule. ^this. I DIY. You guys are most likely paying too much for too often of service on certain items. Air filter...
by surfstar
Mon Mar 10, 2014 10:50 am
Forum: Personal Finance (Not Investing)
Topic: HUGE retirement decision.
Replies: 71
Views: 8731

Re: HUGE retirement decision.

OP - you guys are set. Any choice you make won't bankrupt you if it turns out to be "wrong". You should decide based on whether you would like to spend the extra income while you're both young and happy and together. More vacations (or better hotels); stuff like that. I think this decision...
by surfstar
Thu Mar 06, 2014 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card Promos 2014 *Updated*
Replies: 36
Views: 82303

Re: Best Credit Card Promos 2014

I used this to analyze whether to keep my AMEX card or not - after the first free year, I simply don't spend enough to offset the $75 fee. It was pretty much even, so I was going to ditch it. Although for the second year I called them and asked about waiving the fee and got a $25 statement credit, s...
by surfstar
Thu Mar 06, 2014 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: +25% Bonus coming, keep same 401K % contribution?
Replies: 9
Views: 820

Re: +25% Bonus coming, keep same 401K % contribution?

Let it ride - if it won't affect any % matching throughout the year, as pointed out earlier, you'll have some of the money in the market longer. Realistically, not much difference either way.
by surfstar
Thu Mar 06, 2014 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: +25% Bonus coming, keep same 401K % contribution?
Replies: 9
Views: 820

Re: +25% Bonus coming, keep same 401K % contribution?

We magically have 27 paychecks in 2014, so I have $648.15 going into my 457b each check. It won't vary when/if I get my raise in July. Max is max - simple math :D
by surfstar
Thu Mar 06, 2014 4:30 pm
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 5841

Re: Want to buy but can't find the "right" vehicle - what to

Buy the 2014 Forester. Safe, good reviews, decent value and MPG. It doesn't sound like you will be towing - so why worry about how a CVT behaves when towing? Its like worrying that your new 'vette isn't good offroad. Test drive it and see if you like it - don't base your impressions of something off...
by surfstar
Thu Mar 06, 2014 1:30 pm
Forum: Personal Investments
Topic: stayed out of the market, what to do now?
Replies: 64
Views: 11995

Re: stayed out of the market, what to do now?

Roll over that previous employer's 401k to Vanguard and put it all in Wellesley https://personal.vanguard.com/us/funds/snapshot?FundId=0527&FundIntExt=INT Look at the 10 year chart - if you had cash and left it alone it would roughly have done the same as VWIAX from 2004-2009 (that BIG hit), but...
by surfstar
Thu Mar 06, 2014 11:36 am
Forum: Personal Investments
Topic: What should I invest in?
Replies: 18
Views: 1304

Re: What should I invest in?

I don't understand why I shouldn't do something with higher expected returns even if the risk is higher for the down payment? Again, worst case scenario I don't buy a house and just continue to rent which is fine. You could go to a casino with the extra cash and try your luck. :D Higher returns com...
by surfstar
Thu Mar 06, 2014 11:29 am
Forum: Personal Investments
Topic: 27 and Risk Averse - Investment Options
Replies: 12
Views: 1398

Re: 27 and Risk Averse - Investment Options

Real estate would be a second job.

You want a "lazy portfolio". 3 fund or similar and let it do its thing.
by surfstar
Tue Mar 04, 2014 8:01 pm
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 10580

Re: Used $35k Porsche on $64k income?

OP: You should easily be able to afford it. I make similar pay, contribute to a pension, max my 457 and Roth and have a rent of $1150/month (CA!), which is almost 40% of my take home pay (remember I max my 457 deductions). His lower cost of housing vs mine would completely pay for the car, which mea...
by surfstar
Tue Mar 04, 2014 7:49 pm
Forum: Personal Investments
Topic: Vanguard Total Bond Market or 4% fixed at ING?
Replies: 14
Views: 3063

Re: Vanguard Total Bond Market or 4% fixed at ING?

I'm 33, in the public sector and have all my "bond" allocation (20%) in a FI that is guaranteed 4%. That guaranteed general account is also why we won't switch providers and I'm stuck with poor (0.95 lowest ER!) fund choices in the 457b plan. Win some, loose some. 3% I would split with a b...
by surfstar
Mon Mar 03, 2014 6:50 pm
Forum: Personal Investments
Topic: Need advice: Lost lot of money in trading.
Replies: 65
Views: 8731

Re: Need advice: Lost lot of money in trading.

Jeez - tough place to be in, right? I could retire in my mid 30s with that salary and upcoming RSU. You definitely should let someone else manage your funds and you stick to doing the work you're good at. Be careful who you associate with also, as you will end up spending in a similar fashion (if it...
by surfstar
Mon Mar 03, 2014 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit checks made out to deceased ?
Replies: 9
Views: 46824

Re: How to deposit checks made out to deceased ?

Deposit via ATM or smartphone app?

(half-serious, as it very well could work)
by surfstar
Mon Mar 03, 2014 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 7762

Re: What to say to Non-Savers

feh wrote:I'm going to retire at 50, 15 years before any of my friends/family.

That is the reward.
^ BINGO!

This also resonates more with people. A true, early retirement seems more tangible than 'doing well' when you're 65 and retiring.
by surfstar
Sun Mar 02, 2014 2:04 pm
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 8485

Re: Why the love for target date funds?

Simple. Simple is good. Set it and forget it. This would help the average investor out way more than someone who tinkers around always changing things, asking "why do I need bonds", "what about REITs", etc. I would be happy if my 457b plan offered low cost target date funds. It d...
by surfstar
Sun Mar 02, 2014 1:59 pm
Forum: Investing - Theory, News & General
Topic: Best way to safely increase expected returns
Replies: 28
Views: 3214

Re: Best way to safely increase expected returns

Increase saving while decreasing spending. Guaranteed to increase your returns now and later :D
by surfstar
Fri Feb 14, 2014 1:54 pm
Forum: Personal Consumer Issues
Topic: 2014 Jeep Cherokee - buy one?
Replies: 32
Views: 3939

Re: 2014 Jeep Cherokee - buy one?

I also recommend a hard look at the new 2014 Forester.
by surfstar
Fri Feb 14, 2014 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Dual Income Family Emergency Fund Help
Replies: 11
Views: 2022

Re: Dual Income Family Emergency Fund Help

Put 11k into the 2013 Roths. You won't get that opportunity again. Remember Roth contributions can be taken out, penalty free - use that as a portion of your EF. If a job was lost, then that parent could provide the daycare, so I wouldn't factor that in for the EF. Also it depends on how stable your...
by surfstar
Tue Feb 11, 2014 7:58 pm
Forum: Investing - Theory, News & General
Topic: Coming to terms with my awful track record
Replies: 20
Views: 2587

Re: Coming to terms with my awful track record

Welcome to investing [you were trading].


Although you could sell a newsletter and state your trade positions and tell your subscribers to do the opposite of whatever trade you make. :oops:
by surfstar
Tue Feb 11, 2014 3:14 pm
Forum: Personal Investments
Topic: Are REITs still overvalued, as they were in 2013?
Replies: 44
Views: 4323

Re: Are REITs still overvalued, as they were in 2013?

You should short REITs and go 110% into EM.
by surfstar
Tue Feb 11, 2014 1:50 pm
Forum: Investing - Theory, News & General
Topic: Ding! Check engine light is now on. [PE10 exceeds 25]
Replies: 108
Views: 14109

Re: Ding! Check engine light is now on.

Clearly_Irrational wrote: but I'd be interested if anyone else has a different take on it.
If I knew something that no one else did, I would be wealthy and retired.

How about you?
by surfstar
Mon Feb 10, 2014 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: How long does it take to do your taxes?
Replies: 53
Views: 43506

Re: How long does it take to do your taxes?

This year it took slightly longer than one bottle of beer.
by surfstar
Thu Feb 06, 2014 7:07 pm
Forum: Investing - Theory, News & General
Topic: What is your targeted annual retirement income in today's $
Replies: 50
Views: 7955

Re: What is your targeted annual retirement income in today'

I'm not sure.
I know if I'm single, I could live off of $25-50k. If I'm not, I assume I'll find someone with similar financial goals, and we'd live happily off of $50-75k. Either way I'm planning on 50-55 y/o for the age :D

457b, Roth and a pension will get me there.
by surfstar
Thu Feb 06, 2014 7:03 pm
Forum: Personal Investments
Topic: Going all into Emerging Markets
Replies: 69
Views: 9115

Re: Going all into Emerging Markets

Great plan! As long as your friend can time it right :D
by surfstar
Wed Feb 05, 2014 4:39 pm
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 8236

Re: Winter coats:

A cool video on/by Patagonia

http://www.youtube.com/watch?v=z20CjCim8DM
by surfstar
Wed Feb 05, 2014 11:42 am
Forum: Personal Investments
Topic: Early Retirement Example
Replies: 29
Views: 4633

Re: Early Retirement Example

I'm not 25 (33 y/o), but I will volunteer to be an actual case study for an early retirement and the validity of SWR.

I just need a $2MM donation to get started.
by surfstar
Tue Feb 04, 2014 2:28 pm
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 8236

Re: Winter coats:

SierraTradingPost - sign up for their flyer emails and get some outstanding deals on the 'high end' jackets. I just bought a Mountain Hardwear down jacket for ~38% of retail. It will be used for camping mainly, maybe backpacking. Also if you are eco or socially conscious, Patagonia (aka Patagucci du...
by surfstar
Tue Feb 04, 2014 11:10 am
Forum: Personal Consumer Issues
Topic: $27K Sienna XLE 2011 Miles 43K AWD
Replies: 7
Views: 1484

Re: $27K Sienna XLE 2011 Miles 43K AWD

Seems like one of the times when purchasing new isn't all that costlier. Used car purchases are better deals when they're over 75k miles and/or a brand that depreciates quickly. Honda and Toyota vehicles never seem like great buys if they're a couple years old and low miles.

My $.02
by surfstar
Tue Feb 04, 2014 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 8706

Re: Cost Analysis: Living in CA vs the South

http://www.sbramada.com/resourcefiles/mainimages/santa-barbara-things-to-do-top.jpg Sometimes you do get what you pay for. An evening walk on the beach or hike in the hills after work can be done year-round. The SBIFF (Santa Barbara International Film Festival) is currently in town. Etc... This dec...
by surfstar
Mon Feb 03, 2014 12:37 pm
Forum: Investing - Theory, News & General
Topic: Accumulators Indexed Savings Rate? Poll
Replies: 7
Views: 923

Re: Accumulators Indexed Savings Rate? Poll

I will continue to max my 457b and Roth IRA contributions annually. These [contribution limits] will index up some years when the IRS determines, so I guess my answer is yes, but I won't be the one making the % and time decisions.
by surfstar
Thu Jan 30, 2014 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Low Income Budget
Replies: 70
Views: 6968

Re: Low Income Budget

Increasing your take home pay is a way to open up opportunities - you could save it and retire early, you could gift more, work part time and volunteer the rest, etc. There are many productive things to come of earning more (I'm saying this as a Boglehead that is likely in the 'low end' of earners h...
by surfstar
Thu Jan 30, 2014 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 8706

Re: Cost Analysis: Living in CA vs the South

Don't forget, California has some beautiful mountains too! Ansel Adams coined the Sierra Nevada the "Range of Light" quite appropriately. Plenty of places for weekend roadtrips from SB - wintertime I head to Joshua Tree, summer, all over the Sierra (climbing!). 6hrs from SF, Yosemite, Vega...
by surfstar
Thu Jan 30, 2014 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 8706

Re: Cost Analysis: Living in CA vs the South

Just break it down into cost per awesome weather day - kinda hard to beat the value that Santa Barbara offers when you look at it like that! I've lived in SB County my whole life and am happily renting a 1br apt in SB with no thoughts of purchasing. Santa Barbara is great and you should find a 2br c...
by surfstar
Thu Jan 30, 2014 10:43 am
Forum: Investing - Theory, News & General
Topic: Bought in, and then they start tumbling
Replies: 67
Views: 11217

Re: Bought in, and then they start tumbling

surfstar wrote:My paycheck's 457b contribution will hit Thu, end of day. I expect the markets to rise back up before then ;)
Nailed it!