Bogleheads.org

avenger

I save what I don’t spend. Not the other way around. Your mileage may vary. So you spend first and only save what's left? I hope that works out well for you. It doesn't work out well at all for most who use that approach. Correct. I don’t have a budget. I do have a high income, however, and had sav...

avenger

I save what I don’t spend. Not the other way around. Your mileage may vary. So you spend first and only save what's left? I hope that works out well for you. It doesn't work out well at all for most who use that approach. Correct. I don’t have a budget. I do have a high income, however, and had sav...

avenger

I save what I don’t spend.
Not the other way around.
Your mileage may vary.

avenger

Do it. Buyer’s market.

We got rid of ours right before the pandemic!

We made some of our favorite memories in the past decade on that boat.

We live in Chicago. Was always fun to take friends down the Chicago river downtown

avenger

I think in general it’s probably a bad idea although each individual circumstance may vary. I support my mother financially to the tune of about $1000 per month. It’s already awkward having her see things I spend my money on. I can’t imagine telling her an exact figure or giving her more detail abou...

avenger

mc2 wrote: ↑Wed May 13, 2020 1:09 pm I'm happy that you had good success and thanks for your prompting. I've called Cap One and gave up w/1 hour wait times. I'll try later today and report back.

Most CC companies allow you to dispute directly from the website.

My dispute took 3 minutes to do online.

avenger

Hi group, I am turning 30 soon. When I was 22 and got my first job, I read a ton of what to do in my 20s that seems to have helped me a ton. Some things that have helped: - Maxed out my 401k every year. 401k is ~275k - Travelled as much as I could. Visited 10 countries in Europe. - Started an HSA a...

avenger

So you disputed the charge with your CC company? I have not, and I don't really know why. I am hoping that the LOT refund will arrive shortly, rather than waiting 90 days with the CC, and possibly avoiding filling out forms, submitting paperwork, etc. As far as I know, the payout amount would be th...

avenger

I feel for you. My mother foreclosed on her condo six years ago. She moved into apartment was relatively self-sufficient working part-time as a substitute school teacher and receiving my father’s Social Security. Two years ago she had bilateral knee replacements, ended up with a stroke, and couldn’...

avenger

So you disputed the charge with your CC company? I have not, and I don't really know why. I am hoping that the LOT refund will arrive shortly, rather than waiting 90 days with the CC, and possibly avoiding filling out forms, submitting paperwork, etc. As far as I know, the payout amount would be th...

avenger

gr7070 wrote: ↑Tue May 12, 2020 9:41 pm
hammond wrote: ↑Tue May 12, 2020 9:32 pm Spouse and me

birth of our first kid

career (notice I deleted ladder)
These are the only things of true substance you mentioned in your post.

Wrong.

Travel to 10 European countries? I’ll say that’s plenty of substance.

avenger

I feel for you. My mother foreclosed on her condo six years ago. She moved into apartment was relatively self-sufficient working part-time as a substitute school teacher and receiving my father’s Social Security. Two years ago she had bilateral knee replacements, ended up with a stroke, and couldn’t...

avenger

Here's my update: LOT Airlines cancelled my flight. I've been on a waiting list for a full refund. After each call (3), the agent claims I will get it, but I haven't. I spoke with MasterCard claims and they told me they only deal with cancellations that "I" generate, such as a death of a ...

avenger

I do.

But it doesn’t really matter as net worth is a completely useless metric.

avenger

I consider any home improvement to be an expense. Taken further, home ownership in general is an expense.

avenger

icloud Drive for me. I don't use it all that often, but it's there for me in case my documents go missing. If someone wants to steal my tax returns and can get through Apple to get them, then more power to them. My identify theft policy will finally get put to use. These are exactly my thoughts. Al...

avenger

We have a huge backyard construction project underway. Putting in a plunge pool and putting in new deck with natural stone. It’s been in the planning stages for nearly 2 years. The project started one month ago. “Should” be done in one month. We’ll be vacationing at home for the foreseeable future, ...

avenger

Honestly it probably doesn’t matter.

The tax efficiency of domestic and international index funds change year by year, resulting in probably no significant difference.

May differ across brokerages as well.

Others will probably show the numbers.

avenger

Versus where?

avenger

Only you can decide.

I had a similar situation 8 years ago. $160k of medical school debt at 2.something%. I just paid it off.

It’s a matter of risk tolerance (increase debt = increase risk).

avenger

Doesn’t matter. I do it.

Just be sure you don’t make any mistakes when you perform tax loss harvesting.

avenger

We will soon be engaging them about their fence which encroached on our property by a not insignificant amount. Hopefully the fence hasn't been up, or replaced an older fence that was in place, for many years. My sister tried to correct a neighbor's fence about 2 feet into her property when she pre...

avenger

Posting merely to follow along. Have been in a similar situation with our neighbors (in Illinois). We have a 50 foot maple whose trunk straddles our property line. While we are friendly with our neighbors, they have very staunch views on how things are to be handled on their property. We did a big t...

avenger

Love it for reading. Also am a pianist and have all my music on it. Use the Apple Pencil to notate in it as well - comments from my piano teacher.

Also use it for all heavy work tasks (have the pro). I love it.

avenger

Travel.
Spending a few hundred bucks to upgrade to business class on our trip to Asia this past January.
Boat - owned it for 10 years and provided so many great memories with friends.

avenger

I also agree with it being CV joint.

avenger

Admiral Fun wrote: ↑Sat Apr 25, 2020 5:30 pm Norwegian Air flight cancelled

We requested refund a month ago and are still waiting.

I’m not holding my breath.

Dispute on your credit card.

avenger

I store all my information in the cloud. Although unlikely, my information could be stolen. But it’s so convenient.

avenger

I rebalanced according to my IPs which resulted in me buying about $70k worth of stocks.
I bought more stocks according to my IPS, until I was overweighted in stocks and bought more fixed income.
Do you have an IPS?

avenger

Set an asset allocation.
As soon as you find your portfolio has drifted from your target AA, put money to work in the underweighted class.
It’s simple, takes emotion out of it.

avenger

I’m doing the same thing I’ve done for the last decade.

Buying every two weeks in accordance with my AA.

Rebalanced (bought $70k or so worth of stocks a couple weeks ago).

avenger

My IPS says to rebalance if my AA is off by more than 5%.
It doesn’t say anything about VIX.
I rebalanced a couple of weeks ago. Bought $70k or so of my stock index funds.

avenger

Wrote the check for the second of four installments for a backyard splash pool and landscaping job.

avenger

Every day discretionary spending is down by probably 75%. 50% of our credit card bills are dining out and travel.
Major backyard project is still a go (in accordance with our state’s executive order r/t COVID-19), which will reach 6 figures.
So overall, it’s going to be up a little bit.

avenger

I’m 40 years old and 70/30 (see signature).

No emergency fund. Got a stable value fund in my 457 and a large taxable account.

avenger

Nobody knows nothin’.

avenger

I have a rebalancing spreadsheet that allows me to factor in the current fund price.

I input those data 10 minutes before market close and then transact.

But I’ve only rebalanced once in my 9 year investing career (last week).

avenger

How many market timing threads are we going to have to endure?

avenger

Bought 65k last week (rebalance).
Bought 12k earlier in March (usual biweekly buying rules).

avenger

Bought 2 $100 gift cards for local restaurant we love.
Carry out from other restaurants.

avenger

I’m returning to this thread with popcorn. Just here to watch.

avenger

welderwannabe wrote: ↑Thu Mar 19, 2020 9:06 pm
avenger wrote: ↑Thu Mar 19, 2020 9:02 pm For some reason I’m not phased at all yet by this drop to date.
Im more phased by my cash earning nothing.

Why do you have cash?

avenger

I’m 70/30. Started at age-10 in bonds 8.5 years ago when I finished medical training. Wasn’t invested in 2008.

For some reason I’m not phased at all yet by this drop to date.

A couple days ago I bought $70,000 worth of stocks. I’m gonna keep rebalancing for now.

avenger

I was 70/30 at the top.
I’m 67.5/32.5 today.

It’ll take another 15% drop for me to reach my 5% band.

Back to something more interesting (my nap).

avenger

Bogleheads generally believe in diversification.

Start here:
https://www.bogleheads.org/wiki/Getting_started

avenger

I’m currently at the Marina Bay Sands in Singapore with my partner. We are nearing the end of a 2.5 week trip to Tokyo, Bali, and Singapore.

avenger

My entire portfolio is my emergency fund. My overall asset allocation is about 70/30 and 70% of my portfolio is taxable.

Just draw from your portfolio when you need to (emergency, car purchase, retirement, etc).

avenger

... who will suck up more of your profit, further sinking your returns.

Even if you have a property manager, any good real estate investor will be hands-on with the management of their properties. It’s a time suck. I’m too lazy to do that. Did it in the past and have no desire to do it again.

avenger

Because VTI and VXUS don’t wake me up in the middle of the night because the toilet is overflowing. Also for many other reasons.

avenger

It cost you $300. Hardly qualifies as a big mistake.

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