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Re: The Boglehead Car -- What is It?

On average, Bogleheads are extremely wealthy because of reasonable investing decisions they have made over the course of their lives. A car is not an investment, so The Boglehead Car is something like a Lexus, Porsche, Mercedes, Acura, or Tesla. Or maybe it is any car with "Vanguard Flagship&q...
by tphp99
Sat Mar 29, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 10471

Re: Stocks that Don't Pay Dividends - Greater Fool Driven?

Oh, yes I do feel like a "Fool" owning stocks and bonds at times. But I've got to park my cash somewhere, and the market seems like as good as any place as any.
by tphp99
Fri Feb 28, 2014 7:31 am
 
Forum: Investing - Theory, News & General
Topic: Stocks that Don't Pay Dividends - Greater Fool Driven?
Replies: 73
Views: 4283

Re: Stocks that Don't Pay Dividends - Greater Fool Driven?

Scooter57, You are obviously thinking like an owner. You assume that when you buy shares, you own part of that company. However in practice you lack control of that company. In my business dealings, I have to fight tooth and nail with my partners, vendors, contractors - ect on various issues because...
by tphp99
Fri Feb 28, 2014 7:28 am
 
Forum: Investing - Theory, News & General
Topic: Stocks that Don't Pay Dividends - Greater Fool Driven?
Replies: 73
Views: 4283

Re: Estimated Tax Payments

Topic 306 - Penalty for Underpayment of Estimated Tax Generally, most taxpayers will avoid this penalty if they owe less than $1,000 in tax after subtracting their withholdings and credits, or if they paid at least 90% of the tax for the current year, or 100% of the tax shown on the return for the ...
by tphp99
Mon Feb 24, 2014 7:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments
Replies: 33
Views: 1602

Re: Income at which it's foolish not to pay for tax advice?

The high income is nice, the taxes - not so much. You're not going to find extra deductions in your situation. Try to place your money where it will not generate too much DIV, INT and CAP gains. As you accumulate more, your money will throw off more $ - even index funds, which means more taxes. Rent...
by tphp99
Tue Feb 18, 2014 7:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Income at which it's foolish not to pay for tax advice?
Replies: 37
Views: 3442

Re: $25K Budget for a Fun Car

Your daily driver + $25K = a BMW M3
by tphp99
Fri Feb 07, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 50
Views: 4351

Re: Do I need an accountant?

I don't want to start a food fight or anything, but the preceding statement is not true. The tax software a CPA uses is way, way more powerful than what an end user gets and uses. In our office, for example, we spend about $4K a seat. I don't do that because I like to waste money on tax software. I...
by tphp99
Wed Feb 05, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need an accountant?
Replies: 19
Views: 1164

Re: Buying the most expensive house you can afford

I often hear about the mortgage tax deduction with this argument. Usually from the same people who would be billionaires if the prospect of a million dollar tax bill didn't put them off. The tax savings lead to real money in your pocket that add to the overall return of your investment. Business ma...
by tphp99
Wed Feb 05, 2014 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying the most expensive house you can afford
Replies: 101
Views: 7547

Re: $10+ M, age 49, seeking wisdom regarding retirement

Congrats on the nest egg. Sounds like you are concerned with how you will be viewed as an early retiree. Will your business allow you to "pretend" to be working? That's my plan: save enough, have enough and then keep working - but by then it's not really work anymore - just come in as sort...
by tphp99
Wed Feb 05, 2014 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: $10+ M, age 49, seeking wisdom regarding retirement
Replies: 58
Views: 7086

Re: Can we/should we afford this house?

This is kind of a no brainer type of deal as shown by several other posters. You obviously have the money, so go buy it. I wonder what is the purpose of posting here? To flaunt your wealth? Take it easy on the guy. They obviously are having trouble pulling the trigger on this purchase. No idea how ...
by tphp99
Sat Feb 01, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford this house?
Replies: 63
Views: 4360

Re: Not happy with market

Wow. I noticed this thread has popped up again. Where are all the 100% stock threads that were out there just a couple of weeks ago. It is amazing what a 5% drop in the stock market will do. Wait, what happened? What market dropped 5%? Forgot to check :oops: To the OP, Sounds like you're young and ...
by tphp99
Thu Jan 30, 2014 7:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13086

Re: Should I buy a condo now?

wormm: Several things suggest you should consider buying shortly before your lease ends. Rental rate renewals are going up in Miami. You know the building and neighborhood. Interest rates are currently very low. The outlook for Miami real estate appreciating in value appears good. You should be con...
by tphp99
Wed Jan 29, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo now?
Replies: 7
Views: 848

Re: Most Efficient Way to Heat a Home

Use body heat. That means: sweaters, night caps, down comforters and booties. If you don't see your breathe condensing, you have set the thermostat too high. Just checked our natural gas bills for the past 12 months: $649.07 and that includes heating the house, the hot water heaters, and the clothe...
by tphp99
Tue Jan 28, 2014 10:25 pm
 
Forum: Personal Consumer Issues
Topic: Most Efficient Way to Heat a Home
Replies: 86
Views: 5238

Re: Help please - buying PC

I took an old virus ridden, slow dog of a Gateway desktop with Windows and downloaded Ubuntu (whatever version) about 5 years ago. Have not had a problem since - using it right now to surf the web and type this message. All the new purchases/devices in the past five years (lap tops, tablets) all App...
by tphp99
Tue Jan 28, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Help please - buying PC
Replies: 30
Views: 2366

Re: What's your dream car?

One that never needs maintenance, never breaks, and keeps itself pristinely clean on the inside and the outside. Quiet on the inside and with a decent sound system. The Lexus LS460? Lease a big (quiet ride) BMW - no cost maintenance, don't get the big engine version - less likely to have mechanical...
by tphp99
Mon Jan 27, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8919

Re: "150 Portfolios Better Than Yours"

But my only two licenses are to drive and practice medicine. Oops! I don't know, but there might be a significant other who thinks the marriage license counts? :) L. It's best to diversify like that into the three licenses... the marriage license will keep your drive license in check. Image if you ...
by tphp99
Sat Jan 25, 2014 7:29 am
 
Forum: Investing - Theory, News & General
Topic: "150 Portfolios Better Than Yours"
Replies: 52
Views: 4424

Re: Why shouldn't REIT's be a large % of your portfolio?

To the OP, REITs is an asset class I don't own only because I've accidentally acquired too much real estate. And at the moment, my real estate "holdings" are doing better than bonds but not quite as well as stocks. So par for the course. It would depend on your situation, but having a larg...
by tphp99
Sat Jan 25, 2014 7:05 am
 
Forum: Investing - Theory, News & General
Topic: Why shouldn't REIT's be a large % of your portfolio?
Replies: 67
Views: 6488

Re: Why shouldn't REIT's be a large % of your portfolio?

nisiprius wrote:imputed rent is not cash flow.


Why not?

We paid cash for our home. Taxes, insurance, and maintenance add up to about a fifth of what it would cost me to rent a similiar home. I would need a 12% yield on the cash I have "invested" in my home in order to break even.
by tphp99
Sat Jan 25, 2014 6:55 am
 
Forum: Investing - Theory, News & General
Topic: Why shouldn't REIT's be a large % of your portfolio?
Replies: 67
Views: 6488

Re: What's your dream car?

hicabob wrote:
larsm wrote::happy Happy with the one I got:1997 Porsche 993 C4S.

Good one, and one of the few here that might actually be a good "investment" !


Air cooled guy, heh?

Driven a new 991 with a PDK in sport plus yet? You'll convert I'm certain.
by tphp99
Thu Jan 23, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8919

Re: What's your dream car?

911 turbo/s anything else is merely transportation Turbo S b/c rear seats to take the kids to school. But the GT3 with PDK is the real deal, revs to 9000 rpm, all wheel steering. Hey OP, hot wagon is way cool, the new e63 wagon is faster than a C7 vette. But a station wagon with a stick shift like ...
by tphp99
Thu Jan 23, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8919

Re: 100% Equities until age 55-58

No, of course not. Fantasy makes it true. Oh, and everybody will bow down in reverence before those who hold gold, rather than shooting those people and taking the gold for themselves. And property deeds will be respected in the absence of courts and a state monopoly on violence. I'd love to go on ...
by tphp99
Thu Jan 23, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: (UPDATE: Scratch This Plan) 100% Equities until age 55-ish
Replies: 106
Views: 6839

Re: 100% Equities until age 55-58

I think risk tolerance is a much more important factor as you are approaching retirement (within 10-12 years). If we all are smart people here who have studied the history of the markets and can do simple financial math then it shouldn't matter what your feelings say in your 20's-40s. You should be...
by tphp99
Thu Jan 23, 2014 7:38 am
 
Forum: Investing - Help with Personal Investments
Topic: (UPDATE: Scratch This Plan) 100% Equities until age 55-ish
Replies: 106
Views: 6839

Re: Do You Consider the Opportunity Cost of Owning a Home?

The real estate market is not efficient, and thus money can be made (or not) depending on your situation. So buying presents an opportunity. A lot of people (rightly so) take the averages into consideration and argue that renting is a better proposition than owning. But unlike investing in an index ...
by tphp99
Wed Jan 22, 2014 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Do You Consider the Opportunity Cost of Owning a Home?
Replies: 54
Views: 3212

Re: What would you do with cash right now?

I just get this feeling that we're gonna be seeing some sort of correction... - Sung Your emotions might be right, or they might be wrong. Odds are 50/50. I think you are taking a big risk advising family members on what do. I would suggesting pointing them to this page - personal.vanguard.com/us/f...
by tphp99
Mon Jan 20, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with cash right now?
Replies: 45
Views: 3000

Re: How do you benchmark your portfolio.

baw703916 wrote:I don't benchmark it.


I wouldn't even know how to benchmark to be honest.

At the end of the day though, benchmarking is looking back. Investing is about the future. All I can hope for is that I'm taking enough risk but not too much, and even that's tough to know.
by tphp99
Mon Jan 20, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: How do you benchmark your portfolio.
Replies: 65
Views: 3005

Re: Biggest regrets in your life in financial investment?

Well, let's see.

...penny stocks
...tech stocks during the boom
...buying penny stocks and tech stocks during the boom on margin

calculating the amount lost - too painful.
by tphp99
Fri Jan 17, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7192

Re: Biggest regrets in your life in financial investment?

Sorry all! I made a calculation error! See correction below!!!!!! I invested some money in a little company I worked with back in the early 90’s. I liked the managers and the engineers, and they seemed to be doing everything right. I bought $5k worth of their stock, which was about 3% of my net wor...
by tphp99
Fri Jan 17, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7192

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

It's not impossible, but I think it's a pretty rare situation where someone is going to be pulling money out of retirement accounts at a higher effective rate than the marginal rate at which they put money into the retirement account, and most of these situations are going to involve significant pe...
by tphp99
Wed Jan 15, 2014 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: Does it really make sense to max out tax-deferred?
Replies: 40
Views: 4072

Re: High Earners - What's Your Profession?

LarryG wrote:Retired physician. RMD is twice what I earned when working.
LarryG


Nice
by tphp99
Tue Jan 14, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22764

Re: Do I pay taxes today or when I retire?

I'm starting to get confused. I thought that it's typically:

Roth > Tax-advantaged > Taxable
or
Tax-advantaged > Roth > Taxable

Why the debate? Can some one give an example of how a taxable might better than the other two options?
by tphp99
Sun Jan 05, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Do I pay taxes today or when I retire?
Replies: 63
Views: 3491

Re: Is it time for me to find a new job?

It's about control. Sounds like you feel the lack of control in your current situation. As you move up in management from a technical position, you'll have to learn to let go of the technical stuff. I was in your shoes, felt the same way and someone told me: "you can lead by navigating but you'...
by tphp99
Wed Jan 01, 2014 7:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to find a new job?
Replies: 33
Views: 3858

Re: How Much Will You Leave on the Table?

Wow! Sixty-four posts in less than 24 hours are many more than I thought this thread would attract when I started it. Yeah, hot topic. But it would be the same if you went on a sports car forum and post an article about a Prius and ask if you should modify your Z06 Corvette to get more mileage, abe...
by tphp99
Mon Dec 30, 2013 7:14 am
 
Forum: Investing - Theory, News & General
Topic: How Much Will You Leave on the Table?
Replies: 100
Views: 8174

Re: Bad Time to Jump In?

I used to check the "prices" before buying. Hard to figure if you should wait or go for it.

Now that I have a AA/plan (thanks Bogleheads), I simply dump new money in where I'm suppose to. I do not look at the "prices" anymore.
by tphp99
Sun Dec 22, 2013 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Bad Time to Jump In?
Replies: 37
Views: 3633

Re: Not Planning To Retire?

To those who say they will never retire because they love their work: Would you continue to work for free if there was no pay? If so, then it is really your hobby. However, if you would not, then I would recommend finding something you would enjoy so much, that you would not care about getting paid...
by tphp99
Fri Nov 22, 2013 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not Planning To Retire?
Replies: 51
Views: 3578

Re: Not Planning To Retire?

englishgirl wrote:Don't be the guy who has to be forced into retirement. I have one in my family, and it's very frustrating for all concerned.



Don't want to be that guy...

Wish someone took over Dr. Kevorkian's practice, I'd like to use his treatment when I'm no longer "functional."
by tphp99
Fri Nov 22, 2013 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not Planning To Retire?
Replies: 51
Views: 3578

Not Planning To Retire?

Just read the early retirement thread and now I feel silly. I don't ever want to stop working. Is that strange? I don't know anyone who intends to work until they die. So, if you're still plugging away at work when you should be retired, WHY? I'll go first. I'm afraid I'd get bored. If I went to wor...
by tphp99
Thu Nov 21, 2013 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not Planning To Retire?
Replies: 51
Views: 3578

Re: A math question ...

So what was the correct answer - OP?
by tphp99
Mon Nov 18, 2013 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Re: A math question ...
Replies: 57
Views: 1961

Re: A math question ...

Call_Me_Op wrote:Sounds hard for 3rd grade.


Hard for me... I didn't do well in 3rd grade though.
by tphp99
Mon Nov 18, 2013 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Re: A math question ...
Replies: 57
Views: 1961

Re: Feeling less than Successful lately

To the OP, There's nothing wrong with your line of thinking. I think about it all the time because I have the opportunity to expand my business. I often think, if I were single, I'd start more businesses and would be much more successful. But then I'd no family to share it with. You already have bot...
by tphp99
Tue Nov 12, 2013 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Feeling less than Successful lately
Replies: 58
Views: 6028

Re: Milestones - Would you have reached it without the "extr

sscritic wrote:Where does luck in the CA real estate market go? It wasn't a strategy (yes, I even read signatures), but it happened.

P.S. I wrote this just so we could start arguing again about whether your home is an investment. :)


What about Florida real estate market?
by tphp99
Wed Oct 30, 2013 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Milestones - Would you have reached it without the "extra"?
Replies: 58
Views: 4065

Re: Rebalancing Taxable - psychology of paying taxes?

The tax hit will make me hesitate. I would probably leave it 60/40 until the next down-turn correct it back to 50/50 = problem solved. No but seriously, do they think that move would make much of an impact on their over all financial situation? If not... what's the point of doing it?
by tphp99
Wed Oct 30, 2013 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Taxable - psychology of paying taxes?
Replies: 19
Views: 1416

Re: Shiller Thinks Owning a Home is a Terrible Investment

VictoriaF wrote:You suffer in a 700 sq ft apartment and relieve your pain with trips to Europe.

Victoria


Opposite for me. Upon returning from a European trip (or most trips) where accommodations are typically cramped, I come to appreciate the spaciousness of my home and its surroundings.
by tphp99
Tue Oct 22, 2013 8:53 am
 
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 20773

Re: Shiller Thinks Owning a Home is a Terrible Investment

Shiller said the housing market is NOT efficient AND the rate of return has kept up with inflation. Sounds like a good place to try to make some money.
by tphp99
Sat Oct 19, 2013 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 20773

Re: Shiller Thinks Owning a Home is a Terrible Investment

For the "home is not an investment" crowd, do you own your home, and how many houses have you bought/sold/currently own? I've been both lucky and unlucky in real estate. But never have I actually lost money like I have with individual stocks. I simply hold on to the undervalued (paper loss...
by tphp99
Thu Oct 17, 2013 6:32 am
 
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 20773

Re: Fair or not [Financially supporting one child over anoth

I feel your pain. We have a very similar situation, a daughter who seems to have her head in the cloud and a younger son who is both bright and motivated. My wife tends to think negatively about our daughter and loves the son dearly. I often have to remind her that it's easy to love our son but our ...
by tphp99
Thu Oct 10, 2013 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Fair or not [Financially supporting one child over another]
Replies: 57
Views: 4225

Re: Vehicle suggestions for Big & Tall?

RandyAdams1978 wrote:I LOVE driving the minivan to work,


What?!?!? Don't ever admit to this.
by tphp99
Thu Oct 03, 2013 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Vehicle suggestions for Big & Tall?
Replies: 64
Views: 6349

Re: How much do you spend annually on commissions?

Not sure why all the zeroes...... We ALL pay comissions as part of mutual fund expenses.... I have no clue how much (and there is likely some rot based on turnover) but it's mimimal because I use low turnover, mostly indexed funds. That's exactly what I was thinking. I'm just too lazy at the moment...
by tphp99
Thu Oct 03, 2013 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much do you spend annually on commissions?
Replies: 34
Views: 2136

Re: How much do you spend annually on commissions?

Got out of DRIPs and individual stocks = $0 commission.

Just indexed funds for me, haven't figured out what my ER amounts to, but I'm thinking maybe ETF commission might not be as bad.
by tphp99
Thu Oct 03, 2013 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much do you spend annually on commissions?
Replies: 34
Views: 2136

Re: Who do you guys discuss investment strategies with?

I have "talked" with a few colleagues, a few retired neigbhors, a few family members, and a few friends. The discussions go something like this: "What do you do livesoft?" or "What do you think about the Fiscal Cliff that is coming up? Are you doing anything about it?"...
by tphp99
Fri Sep 20, 2013 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Who do you guys discuss investment strategies with?
Replies: 56
Views: 2838

Re: We have the money—now what? Real estate?

Children in High School? You will most likely be empty nesters in a few years. I would not go larger home at this stage. I agree. Can you rent what you want? Once you upgrade (even renting), you'll get an idea if it was the right move. Much easier to decide once you've figured out if the extra cost...
by tphp99
Thu Sep 12, 2013 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: We have the money—now what? Real estate?
Replies: 31
Views: 3971
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