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Re: How are you preparing for the coming bear market

Since Bear markets happen on a regular basis there is one coming, not that anyone knows when. Is there anything you do to prepare for the coming bear market beyond "stay the course"? You should always be prepared for a bear market to start tomorrow... You pick an AA with that in mind... I...
by goodoboy
Sun Apr 06, 2014 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7789

Re: How are you preparing for the coming bear market

Since Bear markets happen on a regular basis there is one coming, not that anyone knows when. Is there anything you do to prepare for the coming bear market beyond "stay the course"? I have no clue what I will do. I will do nothing. There is nothing to do when the market tanks but get som...
by goodoboy
Sun Apr 06, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7789

Re: How are you preparing for the coming bear market

livesoft wrote:I am a very successful market timer, so I'm all set for the coming bear market. I will lose money like everybody else, but perhaps not as much. :)


LMAO that's funny. Me too, I am a market timer and I will lose just like everyone else.
by goodoboy
Sun Apr 06, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7789

Re: Can I beat 2.75% guaranteed via mortgage paydown?

pay the mortage off.

That seems the easiest route. Why make it more difficult then it needs to be.
by goodoboy
Mon Mar 17, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Can I beat 2.75% guaranteed via mortgage paydown?
Replies: 73
Views: 4521

Re: Can I beat 2.75% guaranteed via mortgage paydown?

I think people doing it for the psychological benefit are implicitly saying that the numbers don't justify it, making it a not very good argument. psychological benefit = sleeping better = priceless = very good argument I sleep better knowing that my portfolio has been mathematically optimized, reg...
by goodoboy
Sun Mar 16, 2014 11:39 pm
 
Forum: Investing - Theory, News & General
Topic: Can I beat 2.75% guaranteed via mortgage paydown?
Replies: 73
Views: 4521

Re: Change Extended fund to Healthcare Fund

Go for a walk. This question is like asking if you should get rid of the bananas in your kitchen and buy a sofa instead. The two are not anywhere near the same. The expense ratio has absolutely nothing to do with this. You are getting greedy and swayed by the high market returns of the last few yea...
by goodoboy
Sun Mar 16, 2014 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Change Extended fund to Healthcare Fund
Replies: 3
Views: 241

Re: Can I beat 2.75% guaranteed via mortgage paydown?

Dear Bogleheads, Like a lot of you, I pay down my mortgage as fast as I can. "Guaranteed return" in the form of definitely paying less overall is hard to ignore. I refinanced my mortgage last year to a 2.75%, 10 year loan. I have always paid an extra $1000/mo. towards my mortgage and am w...
by goodoboy
Sun Mar 16, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Can I beat 2.75% guaranteed via mortgage paydown?
Replies: 73
Views: 4521

Change Extended fund to Healthcare Fund

In my retirement account I built the total stock market index with a S&P 500 index and FSEMX to account for my stock asset allocation portion. My AA is 80/20. I am considering removing FSEMX and replace with FSPHX. Why i want to this? Because the returns are better than FSEMX the past years and ...
by goodoboy
Sun Mar 16, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Change Extended fund to Healthcare Fund
Replies: 3
Views: 241

Re: What to say to Non-Savers

Having money gives you options in all stages of life that you otherwise wouldn't have. Only those wage earners who have lived below their means have money. Living below ones means and saving/ investing a portion of your income is wise. Achieving balance in your financial life between saving for tom...
by goodoboy
Tue Mar 04, 2014 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5179

Re: What to say to Non-Savers

2. Continue on my "get wealthy" track so I can have finical freedom and enjoy life at my own pace. I don't know why, but when I read this, the Daft Punk "Get Lucky" song started ringing in my head. Maybe that's a good metaphor for saving? Hahahahah Luck counts as well :sharebeer
by goodoboy
Tue Mar 04, 2014 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5179

Re: What to say to Non-Savers

Thank you all so much for replying. Each time I get off track, I come here to bogleheads for re-guidance. I will: 1. Keep my mouth shut unless someone ask for my advice. I am tired of trying to debate with friends/family the obvious. 2. Continue on my "get wealthy" track so I can have fini...
by goodoboy
Mon Mar 03, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5179

Re: What to say to Non-Savers

What to say? Probably nothing. I'm glad to offer perspectives to friends who genuinely want to know my thoughts, but usually only when asked. IMHO, you are wise to seek the "middle path." You may find your self with great options 20 years from now resulting in part from your prudent savin...
by goodoboy
Mon Mar 03, 2014 1:12 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5179

Re: What to say to Non-Savers

cheese_breath wrote:Just say, "Don't expect me to support you in your old age".


I have told my mom this same above 3 times. Atleast I told her.
by goodoboy
Mon Mar 03, 2014 12:35 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5179

Re: What to say to Non-Savers

Need? Not necessarily. But it's a lot easier to get used to a life of luxury if you have more later in life than you need than to learn to live on a meager SS income after living the high life. You have to find the balance, but if you're tempted to buy a luxury car instead of saving for retirement,...
by goodoboy
Mon Mar 03, 2014 12:34 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5179

What to say to Non-Savers

Hello, I have some family and friends who continue to say the following when it comes to increasing saving rate for retirement or saving anything at all: 1. I rather spend it all now, why increase savings for to not touch til old and grey. 2. My mom says "why increase my saving above the compan...
by goodoboy
Mon Mar 03, 2014 12:16 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5179

1099-C, Do I have pay debt tax

My mom received a 1099-C this year after a car repossession in 2008 (thanks to market crash). The amount is for $10k debt. The 1099-C is addressed to my father name who passed away in 2011. My mom is not working now, does she still have pay tax on this? She is considering not paying since the tax fo...
by goodoboy
Tue Feb 25, 2014 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1099-C, Do I have pay debt tax
Replies: 6
Views: 535

Re: When Will The Market Crash Again?

The market will crash on Wednesday at 12 central time zone.

It will drop about 60% when it crash on Wednesday.
by goodoboy
Sun Jan 26, 2014 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: When Will The Market Crash Again?
Replies: 16
Views: 1696

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor.

Thanks to you and others for teaching this poor country boy invest his hard earn money and realize his mistakes. I am cool, calm, and collective now.

Thank you. God Bless You and your family.
by goodoboy
Thu Jan 23, 2014 12:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12632

Re: High Earners - What's Your Profession?

Hawkeye_Saver wrote:I hope its not too personal of a question, but I'm curious what members earning over 100k do for a living. I would like to break that threshold but it won't happen at my current job. Just looking for a little guidance towards something lucrative that might be up my alley.


Engineer
by goodoboy
Sun Jan 19, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22764

Re: Biggest regrets in your life in financial investment?

1. Getting married before my wife finished college. 5 years later, she still not done! I guranteed if I said "no marriage until done with college", I/we be better off.
by goodoboy
Sun Jan 19, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7192

Re: Jack Bogle talks about family finance lessons

My favorite quote from my Dad was - "I've never missed spending any money I saved or gave to charity". He put 5 kids through undergrad college with no debt. Made it absolutely clear that the Bank of Mom and Dad was closed after that. We lived a solidly middle class lifestyle on a lower-up...
by goodoboy
Sun Jan 12, 2014 2:11 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle talks about family finance lessons
Replies: 8
Views: 1973

Re: How to pick a Bond Fund

This has been a good thread. I am still convinced Total Bond (Intermediate Term Tax Exempt) is the way to go. The TIPS fund is possibly the only other fund to consider. Over the long term it will not matter much. P.S. But I should have shorted the TIPS fund last year! what about the Stable Fund opt...
by goodoboy
Fri Jan 10, 2014 1:18 am
 
Forum: Investing - Theory, News & General
Topic: How to pick a Bond Fund
Replies: 24
Views: 2152

Re: Surprises in 2014

What one or two surprises do you expect in 2014 that might impact the way people invest? No suprises, the market will continue its upward trend: why? 1. The trend is upwards 2. Fund managers did not beat their index 3. Lots of money on the sidelines 4. There is no recession on the rise. 5. why woul...
by goodoboy
Wed Jan 08, 2014 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: Surprises in 2014
Replies: 51
Views: 3551

Re: How to pick a Bond Fund

My AA is 80/20. I am following the boglehead way. Which bond fund do I choose? I am 35 and in accumulation stage part of investing. I don't know much about bonds, just know my AA requires it. I am thinking to pick Spartan® U.S. Bond Index Fund - Fidelity. Expense is 0.17% That Spartan Bond Index is...
by goodoboy
Wed Jan 08, 2014 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: How to pick a Bond Fund
Replies: 24
Views: 2152

Re: How to pick a Bond Fund

dbr wrote:
goodoboy wrote:
nisiprius wrote:I agree, the stable value fund is a perfectly good choice, too, and can be counted as a bond allocation.


Thanks,

How do I know when to go back to bonds?


You don't (meaning know). Also it could be you don't (meaning go back).


Lmao . Thats funny
by goodoboy
Wed Jan 08, 2014 12:19 am
 
Forum: Investing - Theory, News & General
Topic: How to pick a Bond Fund
Replies: 24
Views: 2152

Re: How to pick a Bond Fund

nisiprius wrote:I agree, the stable value fund is a perfectly good choice, too, and can be counted as a bond allocation.


Thanks,

How do I know when to go back to bonds?
by goodoboy
Tue Jan 07, 2014 11:49 pm
 
Forum: Investing - Theory, News & General
Topic: How to pick a Bond Fund
Replies: 24
Views: 2152

Re: Gambling on worst 2013 Vanguard EFTs

i'm 43, single, no kids. maxed out 401k and Roth. have 1yr expenses in the bank. in additional to the 1yr expenses in the bank, I have $100k in after tax $. currently it's in a S&P 500 index fund. it qualifies for long term capital gains status. According to Vanguard, their worst non-Bond efts ...
by goodoboy
Sun Jan 05, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gambling on worst 2013 Vanguard EFTs
Replies: 27
Views: 2061

Re: How to pick a Bond Fund

You will be fine with that fund. The only other bond fund often recommended is a TIPS/Inflation Bond fund. There is debate on the forum if that is needed. Basically an investor has to decide if they have a risk to "unexpected" inflation. Intermediate Term Tax Exempt can be used in a taxab...
by goodoboy
Sun Jan 05, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: How to pick a Bond Fund
Replies: 24
Views: 2152

Re: How to pick a Bond Fund

abuss368 wrote:I think you would be fine to select that fund.

With bonds higher yield almost always means higher risks.

You may be able to do better, but you could definitely do a lot worse.

Best.


Thanks for your comments
by goodoboy
Sun Jan 05, 2014 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: How to pick a Bond Fund
Replies: 24
Views: 2152

Re: How to pick a Bond Fund

It is the Fidelity fund one would pick if one wanted to put together a three-fund portfolio using Fidelity funds . Click the links to read the relevant Wiki articles. It is your plain vanilla bond index fund with a low expense ratio and precisely suitable for someone who says "I don't know muc...
by goodoboy
Sun Jan 05, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: How to pick a Bond Fund
Replies: 24
Views: 2152

How to pick a Bond Fund

Hello, My AA is 80/20. I am following the boglehead way. Which bond fund do I choose? I am 35 and in accumulation stage part of investing. I don't know much about bonds, just know my AA requires it. I am thinking to pick Spartan® U.S. Bond Index Fund - Fidelity. Expense is 0.17% http://www.screencas...
by goodoboy
Sun Jan 05, 2014 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: How to pick a Bond Fund
Replies: 24
Views: 2152

Re: Net Worth Survey, 2014 Edition

https://secure.ssa.gov/acu/ACU_KBA/main ... e=en&LVL=4

Do you the link above to get my wife and I estimated SS at age 66?
by goodoboy
Sun Jan 05, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 18377

Re: [Poll] What was your 2013 return?

I have 2 401K accounts between me and wife. I also have a rollover IRA at Vanguard.

How do I calculate the total return from all accounts?
by goodoboy
Sun Jan 05, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8523

Re: Net Worth Survey, 2014 Edition

Thanks,

What is the most important Networth I should be smiling about?

Networth with SS and Pension?

Networth with no SS and Pension?

Assets with SS and Pension?

I often wondering how I am doing at age 35 with current debt higher then Networth. My mortage is my only debt.
by goodoboy
Sun Jan 05, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 18377

Re: Net Worth Survey, 2014 Edition

Hello, I feel so behind at age 34. But at least the last two years I have been saving right and follow the boglehead way. I wish I had start saving at age 21. But I think I will be fine according to my plan. I am stuck on "[ASSETS 4] Value of all Residencies *"? Do I put the value of my ho...
by goodoboy
Sun Jan 05, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 18377

Re: Advice on what to do with old employers 401k

Rollover to Vanguard Target Fund in your desired AA. Easy and low cost.
by goodoboy
Sat Jan 04, 2014 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on what to do with old employers 401k
Replies: 8
Views: 472

Re: Is AA for multiple accounts?

Again, thank you all for the support. After spending some time with the spreadsheet, I am sticking to one overall portfolio. Thank you all. I love this forum! :sharebeer
by goodoboy
Sat Jan 04, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

Is there anything wrong with having 7 funds across the two accounts? There all index funds.
by goodoboy
Sat Jan 04, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

It's waaaaaaaaaaaaaay simpler to just treat all your accounts lumped together as one single portfolio, and just get your asset allocation right overall. It's waaaaaaaaaaaaaay more complicated (and expensive, and pointless, and ridiculous) to get your asset allocation right in every single account s...
by goodoboy
Sat Jan 04, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

The only advantage is that my wife have great index funds (total stock market index and extended total stock market index for small caps). Mine has the sp 500 index, a bond index, and international index. all cheap funds. The disadvantage is I make far more than my wife per year. What I quoted abov...
by goodoboy
Sat Jan 04, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

After some thought, I have to stick to plan and stop being lazy. :oops: The advantage of my wife account is that she has the Extended Total Stock Market index which allows me to build the total stock market index. My account only has the S&P500 index, so separating to multiple account will not b...
by goodoboy
Sat Jan 04, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

BTW, back to your original question, another reason people split up their accounts and do a portfolio-wide AA if not an account-by-account AA is because they might have large taxable accounts that they need to work around. Suppose your taxable account has all stock funds, and no bonds. Then you nee...
by goodoboy
Sat Jan 04, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

If you have low cost funds in both his 401k and her 401k, there is no reason not to do this. You could even put a target type fund in each of your 4 accounts (instead of just the IRAS) and never have to rebalance. The problem is when one or both of the 401k plans does not offer one or more of the f...
by goodoboy
Sat Jan 04, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

Thank you livesoft for the advice. The problem is I have no clue how to do it! Here's how you do it: I simply have to just login and review once per year to make sure my AA is set correct. So clearly, you have a clue how to do it. :) :D That was funny. I am sticking with AA for each account for my ...
by goodoboy
Sat Jan 04, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

I don't spend hours trying to figure anything out. I am happy to ball-park it and have it "good enough". Here are three ways to have a web site do the work for you: 1. Enter all your shares and ticker symbols on the Vanguard web site once a year or once every 6 months. The tool is "P...
by goodoboy
Sat Jan 04, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

Hello, Is having one AA across multiple accounts a must? A must?... no. Certainly lower complexity and cost (most of the time), and more efficient than individual asset allocations per account. Thanks for your help. In my case cost want be a problem cause I have all index funds. Its just too much w...
by goodoboy
Sat Jan 04, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

Is there something wrong with just having our AA of 80/20 set in each account and call it a day?? I will choose index funds for each account anyway. Why would you think there might be a problem? I don't know. I was just asking. This beats spending hours figuring out how to apply money accross accou...
by goodoboy
Sat Jan 04, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

It's waaaaaaaaaaaaaay simpler to just treat all your accounts lumped together as one single portfolio, and just get your asset allocation right overall. It's waaaaaaaaaaaaaay more complicated (and expensive, and pointless, and ridiculous) to get your asset allocation right in every single account s...
by goodoboy
Sat Jan 04, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

I think the approach you suggested is fine. Some day you may find that it is worth your while though. When you have 2 IRAs, 2 401(k)s, 2 HSAs, and a taxable account it might be worth the extra effort. I dont think it is any harder to figure this out for 7 accounts than it is for 2 or 3. -g$$ Thank ...
by goodoboy
Sat Jan 04, 2014 4:22 am
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737

Re: Is AA for multiple accounts?

If both accounts are 80/20, then your overall AA is 80/20. If you're happy with that, the only downside to watch out for is higher fees. But even if the fees are higher, if they're not massively higher, you might feel that's worth it to save your time. Thank you mnvalue. Yes, I will have both accou...
by goodoboy
Sat Jan 04, 2014 3:20 am
 
Forum: Investing - Theory, News & General
Topic: Is AA for multiple accounts?
Replies: 30
Views: 737
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