Search found 129 matches

by max12377
Sat Aug 01, 2015 6:48 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 83
Views: 4159

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

There is another thread on this topic here to give you some additional info: https://www.bogleheads.org/forum/viewtopic.php?t=153693 I blast through my personal food budget on Mint every single month. It's an area where I need to improve. I rarely brown bag it because most times my lunch just looks ...
by max12377
Sun Jul 26, 2015 10:55 am
Forum: Investing - Theory, News & General
Topic: Would Demand For Bonds Temper the Drop in NAV
Replies: 13
Views: 789

Re: Would Demand For Bonds Temper the Drop in NAV

Thank you Todd. I find that reassuring for those of us that are sticking with a total bond fund whose average duration is medium term. I expect many folks are/have shortened their bond duration somewhat (OK, I admit I dropped some 8 yr duration TIPS) but it's not a given that it's the right move. I'...
by max12377
Sun Jul 26, 2015 7:02 am
Forum: Investing - Theory, News & General
Topic: Would Demand For Bonds Temper the Drop in NAV
Replies: 13
Views: 789

Would Demand For Bonds Temper the Drop in NAV

If rates rise and, subsequently, the bond funds 'nav' drops in proportion to average duration of the bond fund, is it possible that the magnitude of the drop will be tempered by the public demand for better yielding bond funds? In other words, if there is a rush to buy the bond funds once the yield ...
by max12377
Fri Jul 17, 2015 4:08 am
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 43
Views: 3103

Re: Recommended World War I book

Not a book, but I found the Khan Academy videos on WW1 fun and interesting. For me personally, at times, some history books can get too detailed and you can lose the forest for the trees. These vids moved along and covered the major points. So I suppose as a starting point for someone these are a gr...
by max12377
Wed Jul 15, 2015 4:55 am
Forum: Investing - Help with Personal Investments
Topic: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules
Replies: 20
Views: 1814

Re: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules

It is not clear to me what you are doing/planning to do. What do you buy in taxable when you TLH? Do you buy bonds or just hold the cash for 30+ days rather than buy a similar but not identical fund? Do you move from bonds to Total stock market in 403b when you TLH or are you just moving stocks aro...
by max12377
Tue Jul 14, 2015 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules
Replies: 20
Views: 1814

Re: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules

I'm researching the Vanguard vs Morningstar estimation of Total Stock Market. Vanguard's site does describe their philosophy. https://personal.vanguard.com/us/content/MyPortfolio/analytics/pwLMMrktCapDetailsContent.jsp This approach is consistent with Vanguard's philosophy of investing for the long-...
by max12377
Tue Jul 14, 2015 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules
Replies: 20
Views: 1814

Re: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules

I was wondering about this so I figured I'd ask. I like the 3 fund portfolio. I have a Roth, 403b, Inherited IRA and a Taxable account. I hold VTSAX (Vanguard Total Stock) in my Taxable account. I hold the S&P 500 index (VFIAX) fund in the other accounts. Why? When I tax loss harvest it's easy ...
by max12377
Mon Jul 13, 2015 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules
Replies: 20
Views: 1814

Re: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules

Thanks all. I so far have been avoiding the wash sale issues by holding total stock in taxable and the 3 amigos (large +mid+small) in tax deferred. As a secondary note, I am now going to Morningstar X-Ray (also in wiki) for the Total Stock Market approximation rather than using the Vanguard tool. It...
by max12377
Sun Jul 12, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules
Replies: 20
Views: 1814

Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules

I was wondering about this so I figured I'd ask. I like the 3 fund portfolio. I have a Roth, 403b, Inherited IRA and a Taxable account. I hold VTSAX (Vanguard Total Stock) in my Taxable account. I hold the S&P 500 index (VFIAX) fund in the other accounts. Why? When I tax loss harvest it's easy t...
by max12377
Thu Jun 25, 2015 8:09 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27870

Re: What ratio are you stocks/bonds and how old are you?

One final observation from the data so far: Not only are Bogleheads in all age groups today being much more aggressive in their stock allocations than Mr. Bogle's standard recommendation of "age in bonds," but older Bogleheads are, relatively speaking, being a bit more aggressive than you...
by max12377
Wed Jun 24, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27870

Re: What ratio are you stocks/bonds and how old are you?

Age 49

73/27 - I couldn't decide between 70/30 and 75/25 so I roughly split the difference.
by max12377
Tue Jun 02, 2015 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Starting later in life... should I buy a home?
Replies: 15
Views: 1484

Re: Starting later in life... should I buy a home?

I'm around the same age and single as well. I've owned 2 houses over my lifetime. The first was a financial winner, the second was a financial loser. In both cases, though, I always felt like I was wasting my time cutting the grass, pulling weeds, hiring contractors, painting... Renting gives me fre...
by max12377
Sun May 17, 2015 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Divorce and Marriage
Replies: 21
Views: 2751

Re: Divorce and Marriage

rtom wrote:
Sents wrote:PS: If you are worried about divorcing someone, don't marry them in the first place. Also, a pre-nupital agreement could help, but many people on this board don't recommend it for various reasons.


What is wrong with a pre nip?


Perhaps a pre-nip in lieu of a pre-nup :beer
by max12377
Fri Apr 17, 2015 11:45 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 6926

Re: how to deal with it [regret over past investing choices]

I think we have a choice of what to focus on. I recall a seminar where the presenter said to look around and notice everything around you that is red. So participants did so. Then he asked them to close their eyes. Once their eyes were closed he said.. "Ok.. tell me everything around you that w...
by max12377
Thu Apr 16, 2015 6:30 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6828

Re: Favorite Boglehead Avatar?

I like Toons avatar. Guns blazin..
by max12377
Wed Apr 15, 2015 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Low fees vs. tax deferred bond allocations
Replies: 10
Views: 784

Re: Low fees vs. tax deferred bond allocations

I've been pondering the same thing so I also appreciate the responses. My goal has been stocks in taxable and bonds in tax deferred and it's irritating that I have to pay more than I would like for my 403b bond funds. When the projected returns for bond funds are low to begin with, why pay more? To ...
by max12377
Mon Mar 02, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 9028

Re: What's your average ER?

Another vote for .09.
by max12377
Mon Feb 02, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Is it ok not to own property?
Replies: 24
Views: 3773

Re: Is it ok not to own property?

As a single guy I find not owning property to be absolute bliss.. :sharebeer I don't have to do diddly squat other than keep the insides clean. I've owned 2 houses over my lifetime and am unlikely to ever own another one. Perhaps it's just my personality but I love to come and go as I please and not...
by max12377
Fri Jan 30, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 71
Views: 7470

Re: How do you "Stay the Course"?

I think about all those little dividend payments being re-invested while the market is low.
by max12377
Mon Jan 05, 2015 2:22 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 23107

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2000.00 (easy for me to remember my guess)
by max12377
Mon Dec 15, 2014 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 10166

Re: Most/Least Boglehead 2014 Activity?

Most: Held all my bonds in tax-deferred Least: Received an inheritance and am holding some muni's in taxable even though I have tax-deferred space to hold bonds. A controversial topic considering low bond yields. I've been giving a lot of thought to this strategy and will likely sell the muni's and ...
by max12377
Fri Dec 12, 2014 6:48 am
Forum: Personal Finance (Not Investing)
Topic: paid-off mortgage yesterday!
Replies: 24
Views: 2845

Re: paid-off mortgage yesterday!

I got rid of my mortgage last year and it's a great feeling! Oh, I also got rid of my house :-) I am a renter now and love it. Congrats on paying off your house. I was on my way to that as well but decided I hated owning a house. If I ever buy another I'll pay cash as I agree with the mortgage free ...
by max12377
Fri Dec 12, 2014 5:10 am
Forum: Investing - Theory, News & General
Topic: New HTTPS security bug, Vanguard servers vulnerable[Patched]
Replies: 39
Views: 4807

Re: New HTTPS security bug, Vanguard servers vulnerable

Meh, the bug is called Poodle.. If it were called DeathRay or Incinerator I might be concerned but what's to fear from a Poodle ?

:beer
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: 7874

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
Fri Oct 24, 2014 9:54 am
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 8026

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
Thu Oct 23, 2014 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 16
Views: 2036

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
Sun Oct 19, 2014 6:37 pm
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 3424

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 9:26 am
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 6437

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 7:52 am
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 13681

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
Mon Jul 21, 2014 9:08 am
Forum: Investing - Theory, News & General
Topic: Stable Value Fund vs Total Bond Market
Replies: 27
Views: 2773

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 Jun 09, 2014 6:41 am
Forum: Investing - Theory, News & General
Topic: What's Your up to the minute AA?
Replies: 110
Views: 10908

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 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: 7024

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
Tue May 27, 2014 7:21 am
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 9230

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
Fri May 23, 2014 6:54 am
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 9230

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
Wed May 21, 2014 4:52 am
Forum: Investing - Help with Personal Investments
Topic: placing investments in Roth vs traditional accounts
Replies: 27
Views: 2619

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
Tue May 20, 2014 6:54 am
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3485

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 6:37 am
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3485

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 5:22 am
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 9230

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
Sun May 18, 2014 7:19 am
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 9230

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
Tue May 06, 2014 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Please help me choose 401k Bond Fund!
Replies: 24
Views: 1227

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
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: 3192

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
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: 1285

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
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: 6396

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
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: 6305

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
Mon Jan 27, 2014 12:58 pm
Forum: Investing - Theory, News & General
Topic: Bought in, and then they start tumbling
Replies: 67
Views: 9451

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
Fri Jan 24, 2014 5:36 am
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 25142

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
Tue Jan 07, 2014 5:51 am
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7954

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 5:41 am
Forum: Personal Consumer Issues
Topic: Dating, Gender, & Wealth Differences...
Replies: 102
Views: 6387

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...

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