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Re: What if I Never Buy a House?

If buying a house doesn't suit your lifestyle, don't bother! I'm a single guy and likely much older than you. I have owned 2 houses over my lifetime and I live in an area where housing is relatively cheap. Speaking from experience, owning a house had forced my to spend my time doing activities that,...
by max12377
Sat Nov 08, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 7029

Re: Do you regret buying your home?

Life circumstances make renting a no brainer for me. Even if I could afford a house with all the trappings I doubt I would bite. I'm a single guy and would rather spend my time travelling. If I had a wife and kids, I doubt I would rent.
by max12377
Fri Oct 24, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6974

Re: Renting vs owning

I am renting by choice. I love it. In my area it's cheaper to buy but I don't care. I am a single guy and renting is perfect for my lifestyle. I have owned 2 houses over my lifetime and it would take a lot for me to jump into another. Right now I have no worries about lawn maintenance, home repair, ...
by max12377
Thu Oct 23, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 16
Views: 1832

Re: advice on a surface pro 3

I have a surface pro 2. I bought it for the writing app because it's one of the very few that seems to work well. Now instead of writing note on paper it's all done electronically. The drawback to the Surface Pro, in my opinion, is Windows 8. Windows 8 seems like a half-baked OS. Some things I can d...
by max12377
Sun Oct 19, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 2847

Re: Livesoft - Thank you

I agree with Strep. And, he is sufficiently amusing that even when I don't particularly care about the topic, I'll read his comments because, ... well, just because. :thumbsup I get a chuckle just from seeing his name, considering the forum started as the Diehards... OMG that is funny.. thanks for ...
by max12377
Sun Oct 19, 2014 9:26 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 5592

Re: "I've had it" at work - how often

I started out my career as an Engineer. Hal way through my Masters Degree in Engineering I realized I didn't want to do it anymore. So I finished the MSEE and went back to school for my MBA. Half way through my MBA I decided it was boring as all heck and I didn't want to do it anymore. So I finished...
by max12377
Sun Oct 19, 2014 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12656

Re: Stable Value Fund vs Total Bond Market

My 403b stable value fund was paying a contractually 'guaranteed' 3.5%. However, once they realized they could no longer guarantee that rate, they simply added a .6 expense ratio, effectively knocking the rate down to 2.9. Quite shifty and angered a lot of people. 2.9 is still good but I'm moving ba...
by max12377
Mon Jul 21, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund vs Total Bond Market
Replies: 27
Views: 2358

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

I don't break out into sub categories.. Here's what vanguards portfolio watch tool tells me

71.8 % Stocks
18.2 % Bonds
10 % Cash (Mostly Stable Value)

20.8% of Stocks is Foreign (so Vanguards tool will stop with the warnings..ha)
by max12377
Mon Jun 09, 2014 6:41 am
 
Forum: Investing - Theory, News & General
Topic: What's Your up to the minute AA?
Replies: 110
Views: 9669

Re: What are you doing with the market at an all time high?

Other than regretting that I didn't drop every last penny into the market when the s&p was 666, I'm doing the same thing that I did during the recent bear. Nothing. Well, ok I admit I do itty bitty tweaks here and there cause I like to think it makes a difference :beer I'm also finding that way ...
by max12377
Mon Jun 09, 2014 5:03 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6757

Re: Question for renters that are happily renting..

Looking back to when I purchased, I wonder if I was caught up in what might be described as some sort of frenzy. "Mortgage rates are at historic lows so act now." "$8000 tax credit but act now if you want to take advantage of it." There is a great pressure to jump on the boat bef...
by max12377
Tue May 27, 2014 7:21 am
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 7861

Re: Question for renters that are happily renting..

I would add that I can safely say I am not making the financially optimal choice. I put a hefty amount of $$ into the house that I am leaving. Many would say, why leave now that you did all this work? And they certainly have a point. But in my mind it's a sunk cost. It's a fee paid for an education....
by max12377
Fri May 23, 2014 6:54 am
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 7861

Re: placing investments in Roth vs traditional accounts

I had 100% stocks in my Roth until about a month ago. Then I realized I could get a much lower ER Total Bond Fund in my Roth (.08) than in my 403b (.46). So I've been buying some bonds (Vanguard Total Bond) in the Roth as a result (and selling the PIMCO in the 403b). I hate paying more for a similar...
by max12377
Wed May 21, 2014 4:52 am
 
Forum: Investing - Help with Personal Investments
Topic: placing investments in Roth vs traditional accounts
Replies: 27
Views: 2311

Re: Paying for a date

Also, I've noticed that how the woman handles the check can indicate her feelings towards another date. In my experience, women that tend to insist on paying their half are typically less interested in another date than are women who don't pay. Paying their half seems to be their way of saying &quo...
by max12377
Tue May 20, 2014 6:54 am
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3323

Re: Paying for a date

Wait.. what? You mean men take women on dates and don't pay? I always pay. Although I admit that some of the, say, less traditional women I've dated have gotten quite angry if, at times, I don't let them pay. So technically, I always pay - until - I am practically fighting with my date over who pays...
by max12377
Tue May 20, 2014 6:37 am
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3323

Re: Question for renters that are happily renting..

I knew there was a reason I loved this forum! Thanks to all for the great responses so far. I'm reading each and every one of them.. twice.. It's nice to see there are kindred souls out there that are embarking on the road less traveled... the good news is that, hey, at least we are are traveling, r...
by max12377
Tue May 20, 2014 5:22 am
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 7861

Question for renters that are happily renting..

I haven't rented since my 20's but, as a single guy in my mid-40's, I am tired of home ownership. Had some issues with my current place that are now resolved, but I find myself dreaming of the flexibility and freedom with renting. I think it will better suit my lifestyle because I'd rather spend my ...
by max12377
Sun May 18, 2014 7:19 am
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 7861

Re: Please help me choose 401k Bond Fund!

I have a similar Stable Value whose ytd is .86 but stated yield is 2.85. I've always wondered about that. Hoping someone can explain.
by max12377
Tue May 06, 2014 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help me choose 401k Bond Fund!
Replies: 24
Views: 1127

Re: Poll: how did you decide on stock/bond allocation?

I was woefully under invested for quite a while outside of my 403b. I had built up a sizeable amount of cash because I didn't know what to do with it.. Upon the advent of the 2008 crash I was still nervous but I knew I had to get in at some rational comfort level. I just used 60/40 as a starting poi...
by max12377
Mon Mar 31, 2014 4:54 am
 
Forum: Investing - Theory, News & General
Topic: Poll: how did you decide on stock/bond allocation?
Replies: 35
Views: 3036

Re: if you have switched from bonds to cash.....

I switched a sizable amount from cash to bonds the day before yesterday because my Stable Value Fund slapped on a .65 fee (formerly 0) just because they could. Pissed me off. Nevertheless I am glad I am back in bonds and intend to stay there. I have 10+ years to wait it out. :beer
by max12377
Thu Mar 20, 2014 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: if you have switched from bonds to cash.....
Replies: 9
Views: 1232

Re: How did you get through the market crash in 08-09

I have to say I was absolutely astonished at how quickly things rebounded. During a market downturn there is no guarantee as to the time frame it will take for a rebound. No one knows. Personally, I ended up putting all new contributions into 100% stocks when things went south. On a side note, I als...
by max12377
Mon Mar 10, 2014 5:02 am
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 6019

Re: Pet peeve: When people refer to this forum as "Bogglehea

I can "insure" you they just need to be told to "loose" the extra "g" and all will be well. No worries..
by max12377
Thu Feb 13, 2014 7:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Pet peeve: When people refer to this forum as "Boggleheads."
Replies: 36
Views: 6061

Re: Bought in, and then they start tumbling

Hi, I seem to have a bad timing when it comes to making contributions to my portfolio. I only contribute quarterly. Last time I did so in bonds, it was just before bonds started to fall. Recently when I did so in stocks, it was just before the recent plunge. Although I know I am holding for the lon...
by max12377
Mon Jan 27, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bought in, and then they start tumbling
Replies: 51
Views: 6601

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor! You and Mr. Bogle are two shining examples of staying the course - in Investing and in life :beer . I always put a very high weight to your posts and opinions when I read them. The Majesty of Simplicity. Thank you for your contributions - I have learned a lot from you and am a...
by max12377
Fri Jan 24, 2014 5:36 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 23088

Re: Do you invest in a taxable account?

Yes. I max out 403b and Roth first and as early in the year as I can. I am split about even between VTSAX and VTIAX in my taxable account. Psychologically, I find it easier to invest In a taxable account in a frothy market because of the tax loss harvesting opportunities.
by max12377
Tue Jan 07, 2014 5:51 am
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7638

Re: Dating, Gender, & Wealth Differences...

I see it as a good thing. Get married and if it doesn't work out, cash in on the divorce! This way, she'll have to fork it over - not you! I am kidding, of course. Keep in mind you're meeting a person, not a career. I am single but abhor online dating because it tends to put people into 'evaluate' m...
by max12377
Tue Jan 07, 2014 5:41 am
 
Forum: Personal Consumer Issues
Topic: Dating, Gender, & Wealth Differences...
Replies: 102
Views: 6151

Re: When to invest $5,500 in Roth IRA in 2014?

I just plopped mine in this morning. $5500 into VGSLX. I figure if we tank at least I'll get a decent dividend in the coming months. I'm also holding a good amount of dough in my 403b stable value which is ready for action if the opportunity presents itself.. Has that dough been rising long? Did it...
by max12377
Fri Jan 03, 2014 5:53 am
 
Forum: Investing - Help with Personal Investments
Topic: When to invest $5,500 in Roth IRA in 2014?
Replies: 53
Views: 5285

Re: When to invest $5,500 in Roth IRA in 2014?

I just plopped mine in this morning. $5500 into VGSLX. I figure if we tank at least I'll get a decent dividend in the coming months. I'm also holding a good amount of dough in my 403b stable value which is ready for action if the opportunity presents itself..
by max12377
Thu Jan 02, 2014 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: When to invest $5,500 in Roth IRA in 2014?
Replies: 53
Views: 5285

Re: Who is lump-summing a fund on January 2, 2014?

I will make the full Roth Contribution Jan 2. Also have 100% of my paycheck going to fund the 403b. Good times.. :sharebeer
by max12377
Tue Dec 31, 2013 7:19 am
 
Forum: Investing - Theory, News & General
Topic: Who is lump-summing a fund on January 2, 2014?
Replies: 49
Views: 4536

Re: The Best Things in Life Are Partly Free

Exercise is mostly free (depending on how you do it) and makes me feel great. I just invest my time.
by max12377
Thu Dec 26, 2013 6:54 am
 
Forum: Personal Consumer Issues
Topic: The Best Things in Life Are Partly Free
Replies: 17
Views: 2410

Re: Bad Time to Jump In?

It's a huge psychological game & I understand where you're at. Been there. If you buy a little and it goes up, you wish you bought more. If it goes down, you wish you waited one more day. We're all swimming in the same pool. Even though you maybe fortunate to buy right before a big run-up, you s...
by max12377
Sun Dec 22, 2013 5:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Bad Time to Jump In?
Replies: 37
Views: 3651

Re: Paid off Mortgage today!

Congratulations! WE'RE DEBT FREEEEEEE... :beer
by max12377
Fri Dec 06, 2013 5:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage today!
Replies: 56
Views: 4343

Re: Simplicity

I agree with you Robert. Every time I look at my portfolio, I ask myself how I might make things simpler. I am basically undoing the mess I created when I was younger. :oops: In fact, it is almost so simple that I may not have anything to do anymore except perhaps re-balance once a year. Now I have ...
by max12377
Tue Dec 03, 2013 8:10 am
 
Forum: Investing - Theory, News & General
Topic: Simplicity
Replies: 23
Views: 2702

Re: Asset Location - Perhaps time to tax adjust the AA

Thank you. That's what I do too, I think. My Roth has been 100% stocks and has seen a nice run up. If I think things are getting frothy, I will go to 80/20 in the Roth and buy the 'equivalent' amount of stock back in the 403b without penalty. That way, if stocks do tank, the 403b does the 'suffering...
by max12377
Wed Nov 27, 2013 7:54 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location - Perhaps time to tax adjust the AA
Replies: 55
Views: 3386

Re: Asset Location - Perhaps time to tax adjust the AA

livesoft wrote: I prefer equities in Roth when equities are going up and not going down. I prefer equities in tax-deferred when equities are going down and not going up. I prefer equities in taxable whether they are going up or down. Question for Livesoft: I understand #1 and #3 but not # 2. Can yo...
by max12377
Wed Nov 27, 2013 7:02 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location - Perhaps time to tax adjust the AA
Replies: 55
Views: 3386

Re: Stable Value Fund as Part of AA

I use my Stable Value Fund as a sizable portion of my bond/fixed as it returns 3.5% and pays my mortgage interest without having to pay off the mortgage :sharebeer . However, I did notice that they now have a 20% per year withdrawal restriction posted in their literature (repeat to myself..if it see...
by max12377
Wed Nov 27, 2013 6:46 am
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund as Part of AA
Replies: 26
Views: 2342

Re: How to deal with the temptation to pullback on stocks

I started at 60/40 before the big bull run. Now I'm pretty much 70/30. VERY Tempted to stay here for a while because bonds/fixed income returns are so poor. Most of my fixed income is in a Stable Value returning 3.5%. Watching the difference in returns between stocks and fixed causes an overpowering...
by max12377
Fri Nov 22, 2013 6:20 am
 
Forum: Investing - Theory, News & General
Topic: How to deal with the temptation to pullback on stocks
Replies: 35
Views: 2335

Re: Pull-ups and Push-ups

I might add one thing to this thread that has helped me. Pullups and Pushups can be hard for those starting out. It is important to compete 'with yourself'. This will help psychologically. If you can do only 1 pullup, write it down. Next time, try for 2. If you can still only do 1, so what?! No one ...
by max12377
Sun Nov 17, 2013 8:37 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 47440

Re: Money missing from my Vanguard summary page

I second what Bertilak said above. Happened to me recently. My indiviual account went bye-bye off the main view. I had to re-customize the page and add the fund back by checking a box. I was mildly concerned that after a couple days it did not correct on its own. That's when I called Vanguard. Vangu...
by max12377
Tue Nov 12, 2013 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money missing from my Vanguard summary page
Replies: 15
Views: 2259

Re: Capital gains tax on reinvested dividends in taxable acc

Thanks for all the great replies. I think what I was taking issue with is the specific wording of the wiki in the Returns section here: http://www.bogleheads.org/wiki/Tax-adjusted_asset_allocation#Returns The line in particular is this one: "you will also have to pay capital-gains tax on all of...
by max12377
Mon Nov 04, 2013 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Capital gains tax on reinvested dividends in taxable account
Replies: 23
Views: 1692

Capital gains tax on reinvested dividends in taxable account

Looking for some clarification: From the wiki: If you have $100K in stock in a taxable account, the account will be worth less than $200K after the stock market doubles in value, because of taxes on dividends, and you will also have to pay capital-gains tax on all of your returns except the reinvest...
by max12377
Mon Nov 04, 2013 7:05 am
 
Forum: Investing - Theory, News & General
Topic: Capital gains tax on reinvested dividends in taxable account
Replies: 23
Views: 1692

Re: Pull-ups and Push-ups

I am 47 and I do pretty much the same thing.. bodyweight exercises via P90x. I love it (I'm not affiilated in any way with the program btw.. I just like the way it got me out of going to the gym.) I wake up in the morning and go to the garage. Simple and saves time. The difference between P90x and y...
by max12377
Sun Nov 03, 2013 8:32 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 47440

Re: Going without a pre-nup?

I was in this circumstance but we broke up. I understand the romantic ideal is that both people love each other for life. In fact, I think everyone goes into a marriage with that intent. However, if you have taken a while to accumulate and she has nothing, the common sense thing to do would be to pr...
by max12377
Sat Sep 21, 2013 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going without a pre-nup?
Replies: 255
Views: 13982

Re: How to simplify and overcome Boglehead perfectionism?

My simplicity: I use Vanguard's Portfolio watch and think it's great. I primarily check 2 things. My percentage of stocks/bonds and my percentage of stocks that are international. Oh wait.. I also check the big number at the top too.. (well, big in a relative sense.) I throw money in when I can and ...
by max12377
Fri Sep 13, 2013 6:37 am
 
Forum: Personal Finance (Not Investing)
Topic: How to simplify and overcome Boglehead perfectionism?
Replies: 38
Views: 5402

Re: 75% equity is max?

I'm 100% stocks ..

.. in 65% of my portfolio... :shock:
by max12377
Mon Sep 09, 2013 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 75% equity is max?
Replies: 48
Views: 5873

Re: Why do you work?

I think I just like the idea of being able to walk away & be OK. I don't want to walk away because I usually like what I do & enjoy the people I work with at the moment. But there is less stress when the going gets tough if I know I have that card in my back pocket and can play it if necessa...
by max12377
Wed Sep 04, 2013 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Why do you work?
Replies: 73
Views: 6372

Re: Stable Value versus Intermediate Bond Fund

My SV is yielding 3.5 %. I can't see a good reason to invest much in an intermediate bond fund, say, PIMCO, when the yield is about the same, ER is .46, and you have a what seems to be a greater downside risk with the bond fund. So at the moment I'm camping most of my fixed/bond allocation there &am...
by max12377
Sat Aug 31, 2013 7:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Stable Value versus Intermediate Bond Fund
Replies: 32
Views: 3693

Re: What to do once you have maxed out tax advantaged space?

I don't know if this will help but here's what I did to get stocks in taxable and bonds in tax deferred. It's basically covered in the wiki that was referenced above. I had an S&P 500 fund in my 403b that was relatively large. I also had a chunk of muni bonds in taxable. By the way, there is a f...
by max12377
Fri Aug 30, 2013 7:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do once you have maxed out tax advantaged space?
Replies: 29
Views: 4092

Re: What Book Are You Currently Reading? Part V

Just finished a good book that kept my attention the whole way through and wanted to share. Usually I find one or two chapters in these self-help type books to be real snoozers. This one was absent the filler chapters, fun to read and I liked the authors style. I found myself laughing out loud at pa...
by max12377
Mon Aug 12, 2013 7:04 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1217030
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