Search found 416 matches

Return to advanced search

Re: Going all into Emerging Markets

I think threads like this should be locked from the jump. Don't ask provocative "I have a friend who..." questions here, especially when you have history of starting provocative threads yourself. Talk to your friend about the site, encourage your friend to become part of the community, and...
by MoonOrb
Fri Feb 07, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 63
Views: 5826

Re: Joined the "Two Comma Club" Today

Congrats and stay the course!
by MoonOrb
Sat Feb 01, 2014 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Joined the "Two Comma Club" Today
Replies: 47
Views: 4457

Re: Need help(!!) with personal finances, 27 y/o starting ou

The advantage of money in a Roth now instead of paying down loans is that once this tax year's Roth space is gone, it's gone forever. That's one of the reasons I would prefer to shovel money into tax advantaged accounts instead of paying down loans. You also get the benefit, especially if you do aut...
by MoonOrb
Thu Jan 30, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help(!!) with personal finances, 27 y/o starting out
Replies: 23
Views: 1667

Re: Not happy with market

Also, I think it's fine to notice things like "yay! the market is way up! or boo! the market is way down!" Humans have emotions. We can notice that we're having them. So if we are noticing we are unhappy with the market, that's fine. But if we practice what we preach around here we shouldn...
by MoonOrb
Thu Jan 30, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13088

Re: Wait for Equity Pullback or Allocate Today?

This clearly seems to be a behaviorial/psych type issue for you rather than just an issue of math, so do what is going to make you the most comfortable. The main thing is, as people have said, that you stop taking it out once you put it back in. So if putting it back in in chunks over the next sever...
by MoonOrb
Wed Jan 29, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wait for Equity Pullback or Allocate Today?
Replies: 25
Views: 2281

Re: 20-year-old beginner investor; need investment advice

Because you're worried about it after 3 weeks. "Investing" implies something you buy and wait as it appreciates for a long time. Why do you care if it's down just weeks after you bought it if you're invested in it? Surely you understand that stocks are variable, right? But however you want...
by MoonOrb
Tue Jan 28, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20-year-old beginner investor; need investment advice
Replies: 17
Views: 1141

Re: Portfolio Review: Relative Newbies in North Carolina

Basically yes. re Target Date funds: if you had the same Target Date fun available in all accounts, then life would be easy; the problem is more that you don't have this option and trying to decipher your AA is more complex than you'd like, which sort of undoes the value of having Target Date funds ...
by MoonOrb
Tue Jan 28, 2014 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Relative Newbies in North Carolina
Replies: 7
Views: 571

Re: Portfolio Review: Relative Newbies in North Carolina

1. Similar to np81’s post http://www.bogleheads.org/forum/viewtopic.php?f=1&t=129171 , I would like to establish a portfolio that primarily consists of target date funds. The exception to this is my 401k, which I think has better options than the Fidelity target funds. And, despite extensive re...
by MoonOrb
Tue Jan 28, 2014 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Relative Newbies in North Carolina
Replies: 7
Views: 571

Re: Need help(!!) with personal finances, 27 y/o starting ou

If your loans were in the 4% range that would put you squarely in the middle of the "pay off debt vs. invest" debate that rages here constantly. Your loans are high enough now that paying them down is a pretty easy call. As the interest rate gets lower, investing is better and better move....
by MoonOrb
Tue Jan 28, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help(!!) with personal finances, 27 y/o starting out
Replies: 23
Views: 1667

Re: Marriage, New Budget: Are We Saving Enough?

So, let's just pretend you wanted to retire in 30 years when you were ages 66/60, and let's further pretend that you contribute nothing more each year to your investments than the $53k you're currently at. Since pretending is fun, we'll also pretend your investments return an annual rate of 6%. And ...
by MoonOrb
Tue Jan 28, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage, New Budget: Are We Saving Enough?
Replies: 11
Views: 1970

Re: Favorite National Parks

This thread has been great, and I have used it to start compiling a list of 'must-travel' destinations for when I'm in the States. Here's a question though. Not to hijack the thread, but are there any national parks that people would definitely warn against ? I would answer this in this way: some N...
by MoonOrb
Tue Jan 28, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 74
Views: 3126

Re: Favorite National Parks

That is a great list! We haven't done much back east or Alaska, so for us so far, no: Shenandoah, Smokey Mountains, or Biscayne; and nothing in Alaska We saw Guadalupe, Big Bend, Carlsbad while living in Texas; and King's Canyon/Sequoia while living in los Angeles; and Mammoth while living in Michi...
by MoonOrb
Tue Jan 28, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 74
Views: 3126

Re: Seattle as a place to live?

The traffic is bad enough here that you can simply say "the traffic is really bad here," and don't need to qualify it in any way. The traffic is bad here. I mean, there are only so many places for cars to go when Seattle is located on a narrow strip between Elliott Bay and Lake Washington ...
by MoonOrb
Tue Jan 28, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 69
Views: 6281

Re: 20-year-old beginner investor; need investment advice

You are asking for speculation advice, not investment advice. Read the Wiki and a couple recommended books (I'd read Bogleheads Guide to Investing). +1 Do this. This is a great forum for investing, but what you're gotten yourself into just doesn't match up well with what we do here. If this is goin...
by MoonOrb
Tue Jan 28, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20-year-old beginner investor; need investment advice
Replies: 17
Views: 1141

Re: Home Affordability - Good Income, Luxury Home

You can afford this home; buy it if you want to. I don't think you have any blind spots here.
by MoonOrb
Tue Jan 28, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Affordability - Good Income, Luxury Home
Replies: 31
Views: 2826

Re: Favorite National Parks

What a great thread. It's hard to pick a favorite, but here goes: Yellowstone and Death Valley. Yellowstone for the sheer scale of it, both in the magnitude of the sights and their diversity. The park is enormous and takes hours to drive across and seemingly has everything: towering waterfalls, ther...
by MoonOrb
Tue Jan 28, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 74
Views: 3126

Re: Need help(!!) with personal finances, 27 y/o starting ou

Yes, roll your 401k into an IRA, because a 1.36 ER is too high. As far as other investing goes, you can choose between investing and paying down your student loans. The interest rates on your loans are high enough (well, the larger loan, you should keep the smaller one) that paying it off probably m...
by MoonOrb
Mon Jan 27, 2014 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help(!!) with personal finances, 27 y/o starting out
Replies: 23
Views: 1667

Re: To Keep Renting or Buy First Home?

This is just about a no brainer. You don't want to live in Phoenix. You pay a cheap amount in rent. Your living situation is pretty good. You can't commit to living where you live for even the next decade. On the other hand, you like the idea of owning a home. Owning a home is super expensive. If it...
by MoonOrb
Mon Jan 27, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: To Keep Renting or Buy First Home?
Replies: 12
Views: 1195

Re: New Boglehead: How am I doing with my windfall?

You are pretty much following the BH model so yes you are doing extremely well. I don't know how the RMDs work from an account you receive as a beneficiary, but assuming you do need to take RMDs it seems completely reasonable to use those funds to live. Basically, that's what income is for: your mon...
by MoonOrb
Mon Jan 27, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead: How am I doing with my windfall?
Replies: 13
Views: 1982

Re: Seattle as a place to live?

I'm a former military officer and still look it and approaching middled aged and I could totally live in Capitol Hill and no one would bat an eyelash. But I don't live there because of the expense and the parking and because it's an awesome place to visit (in my opinion) but not as great as a place ...
by MoonOrb
Sun Jan 26, 2014 12:17 am
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 69
Views: 6281

Re: Seattle as a place to live?

I'm a Seattlite. I moved here in 2001 from Pittsburgh. I love Seattle and chose to move back here after moving away for two years about a decade ago. Some thoughts for you: 1. I would probably rather not live in the Columbia City/Beacon Hill neighborhoods, all things being equal, although there is g...
by MoonOrb
Sat Jan 25, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 69
Views: 6281

Re: Zowie, what a day. Thanks, all!

cfs wrote:Yes, but, but get ready for:

100% bond threads
100% money market threads
100% CD threads
100% gold threads

Thanks for reading.


We haven't seen 100% gold threads since Huggy Bear on Starsky & Hutch.
by MoonOrb
Sat Jan 25, 2014 1:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Zowie, what a day. Thanks, all!
Replies: 52
Views: 3831

Re: Zowie, what a day. Thanks, all!

OP, keep on keeping on, man. People love to get all judgey here, so don't sweat it. If you stay on your path you'll be great. (and BTW guys the reason the loss represented such a big chunk of his earnings to date is because he has only been invested a short time, geeez). It's totally fine to notice ...
by MoonOrb
Fri Jan 24, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Zowie, what a day. Thanks, all!
Replies: 52
Views: 3831

Re: Finance professor puts ideas into practice

Reverse mortgages seem like a reasonable option for many people; as PJW pointed out, though, most members of this community will be in a position to do better. But for many aging people whose wealth is almost entirely in their home, a reverse mortgage allows them both to tap that wealth and remain i...
by MoonOrb
Fri Jan 24, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Finance professor puts ideas into practice
Replies: 5
Views: 1586

Re: Would Appreciate New Years Review Of My Portfolio

Shouldn't a large part of your decision be driven by the extent to which you need your investments to supplement your pension/SS income? I feel like the missing part of the picture here is what your total annual expenditures (including taxes) are (and by "are" you could also think of this ...
by MoonOrb
Thu Jan 23, 2014 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1555

Re: Portland, Oregon Meeting?

Would it be weird if a Seattlite crashed this party? Work brings me to Portland on an occasional basis and if I'm in Portland on that date it would be nice to attend.
by MoonOrb
Thu Jan 23, 2014 3:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Portland, Oregon Meeting?
Replies: 70
Views: 14856

Re: A Simple Portfolio

My equities are held in a 2:1 ratio of US to Int'l--just as easy for me to rebalance as 1:1.
by MoonOrb
Thu Jan 23, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: A Simple Portfolio [Equity Allocation]
Replies: 39
Views: 2658

Re: Evaluate my finances. Young guy.

If your plan is to possibly retire in 14 years, then I don't think the typical BH model will work for you, except you're doing an excellent job at the "live beneath your means part," saving about 45% of your salary. That's great. I think given your goal of such an early retirement, you're ...
by MoonOrb
Tue Jan 21, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluate my finances. Young guy.
Replies: 49
Views: 3675

Re: POLL: Investing vs. pay down mortgage feelings

The poll might make more sense if the interest rate of the mortgage was tracked as well. What you pay down at 5 or 5.5%, or more vs. what you might want to do with a 3% mortgage might be way different. +1 It would be interesting to know the spread of the mortgage rate vs the market return for the r...
by MoonOrb
Tue Jan 21, 2014 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 3835

Re: SWRs/Expenditure multiples for longer retirement periods

Okay, thanks everyone. I'm having a hard time expressing what I'm confused about. I'm sorry to be tedious about this. If we were to assume for the sake of my question that 4% is a reasonable SWR for a 30 year retirement, is it also reasonable to assume that 25x expenses is a fairly accurate way of d...
by MoonOrb
Thu Jan 16, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: SWRs/Expenditure multiples for longer retirement periods
Replies: 17
Views: 773

Re: SWRs/Expenditure multiples for longer retirement periods

Maybe I'm not framing the question very well. It's more of an academic question because I want to understand the reasoning and/or math behind the answer. If you plan on a 30 year retirement and assume that a 4% rate will be safe, and you therefore plan on having 25x annual expenditures, will that th...
by MoonOrb
Thu Jan 16, 2014 2:21 am
 
Forum: Investing - Help with Personal Investments
Topic: SWRs/Expenditure multiples for longer retirement periods
Replies: 17
Views: 773

SWRs/Expenditure multiples for longer retirement periods

Hi Bogleheads. I'm hoping some of you can spell out for me something I'm having trouble wrapping my head around. If you could explain it to me like I was about 10, that would be even better. So, I'm under the impression that one of the rules of thumb for determining whether you can sufficiently reti...
by MoonOrb
Wed Jan 15, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: SWRs/Expenditure multiples for longer retirement periods
Replies: 17
Views: 773

Re: Does it really make sense to max out tax-deferred?

Generally yes it makes sense, but maybe you have a compelling reason why it wouldn't make sense? This might be nit-picking a little bit, but why would you invest money that you anticipate you'll need for other expenditures (home repair, car, vacation)? I budget for these things. As far as paying off...
by MoonOrb
Wed Jan 15, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Does it really make sense to max out tax-deferred?
Replies: 40
Views: 4076

Re: The Funniest Movie Ever

Thanks Merlin! I was just coming in here to do just that.
by MoonOrb
Sat Jan 11, 2014 10:25 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10637

Re: Best Movies of 2013

Stories We Tell
Mud
Gravity
12 Years a Slave
Enough Said
by MoonOrb
Sat Jan 11, 2014 2:39 am
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 5540

Re: Pls help I need expert legal research

Also recommending you go to a law library. The law librarian might be able to point you toward a treatise that helps answer your question in addition to any online resources. Another recommendation is to shop around for a different attorney. I don't practice personal injury or plaintiff's work, but ...
by MoonOrb
Wed Jan 08, 2014 2:33 am
 
Forum: Personal Consumer Issues
Topic: Pls help I need expert legal research
Replies: 10
Views: 872

Re: In this case would you be done? Have you won?

I would keep saving but change my asset allocation to make it more bond and cash heavy. At some point maybe I'd get to the point where I had SO much accumulated that I could stop, but barring that I'd keep going. The risk is that what has been pointed out above--that your assumption about the growth...
by MoonOrb
Tue Jan 07, 2014 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: In this case would you be done? Have you won?
Replies: 60
Views: 3687

Re: Money as a Means or an End ?

I tend to think people treat money as a proxy for self-worth. So it's not necessarily that the pursuit of money becomes an end in and of itself where the only goal is the greatest possible accumulation; the goal is the perpetual chase to believe you have value and meaning in your life, but the probl...
by MoonOrb
Mon Jan 06, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Money as a Means or an End ?
Replies: 10
Views: 1295

Re: The Funniest Movie Ever

If I have some time this week I might try to compile a list of all the movies and post it, maybe unscientifically order it by number of mentions.
by MoonOrb
Mon Jan 06, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10637

Re: Why Include Bonds in a Portfolio?

Leaving bonds out at that point is fine. The question then becomes: 1. What is the desired AA during retirement (aka when you depend on these funds). 2. How do you transition from the current AA to the AA desired during retirement. The glide path approach used by most target date funds tends to be ...
by MoonOrb
Mon Jan 06, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why Include Bonds in a Portfolio?
Replies: 74
Views: 3845

Re: What's Your up to the minute AA?

50.61% domestic equity
24.84% international equity
24.55% bonds
by MoonOrb
Mon Jan 06, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: What's Your up to the minute AA?
Replies: 85
Views: 6016

Re: POLL: Bogleheads' Favorite Social Media Site

I picked Linked In because it is the only one on which I have an account. Same here. I find LinkedIn to be very useful for the almost zero amount of effort I put into it. The best thing I ever did with LinkedIn was any time I got an e-mail from LinkedIn I took a moment to go into the settings and f...
by MoonOrb
Sun Jan 05, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Bogleheads' Favorite Social Media Site
Replies: 54
Views: 2485

Re: Do you invest in a taxable account?

Yes. Max out tax advantaged accounts first.
by MoonOrb
Sun Jan 05, 2014 6:36 pm
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7198

Re: How much did your credit card rewards cost you in 2013?

The issue is further complicated because the poll question is "How much did your credit card rewards cost you in 2013?" but the argument advanced in the links to articles about the psychology of spending have almost nothing to do with rewards. So responders can be completely honest in answ...
by MoonOrb
Sun Jan 05, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 6061

Re: To payoff mortgage or not

How do you determine your appropriate risk level without making some assumptions about future returns? Beyond having an expectation that market returns will be higher at higher risk levels, you don't. Or at least you don't with any degree of precision -- you take what the market gives you. The main...
by MoonOrb
Fri Jan 03, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: To payoff mortgage or not
Replies: 59
Views: 2808

Re: To payoff mortgage or not

How do you determine your appropriate risk level without making some assumptions about future returns?
by MoonOrb
Fri Jan 03, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: To payoff mortgage or not
Replies: 59
Views: 2808

Re: How much did your credit card rewards cost you in 2013?

I don't even think about the fact that I get rewards when I use my credit card(s), and I use my credit card(s) for every possible purchase that I can. The fact is, I'm going to have a credit card. Either it's necessary to make a purchase or it's so convenient I'd rather use a credit card than any ot...
by MoonOrb
Fri Jan 03, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 6061
Next

Return to advanced search