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Re: AA: 50/50 Domestic and International Stock IPS

What did you expect when you opted for international stocks? Didn't you expect there to be times like these: source http://s22.postimg.org/b80twm9ep/Captura_de_pantalla_2014_10_13_a_la_s_6_51_37_P.png That's 14 years of international stocks underperforming the S&P 500. $28,000 at the end instea...
by yukon50
Wed Oct 15, 2014 2:48 am
 
Forum: Investing - Theory, News & General
Topic: AA: 50/50 Domestic and International Stock IPS
Replies: 18
Views: 1528

Re: Roth to Roth rollover rules

Do 401k rollover count against the once-per-year rule?
by yukon50
Tue Oct 14, 2014 2:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth to Roth rollover rules
Replies: 4
Views: 473

Re: Bogleheads, help me be less afraid of international stoc

...there is less excitement about international funds. I haven't picked up on that here. My impression has been there's two or three of us who stand with a position that owning international isn't necessary, it seems to me the bulk of the posts are people raving that international is at a bargain a...
by yukon50
Thu Oct 02, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, help me be less afraid of international stocks
Replies: 53
Views: 3686

Re: Treasury Direct Security Certificate

This is 2nd day now that I've had this message. I've tried Chrome and Firefox. Are you trying to log in while connected to the internet through a VPN? I believe this can result in a "re-direct" issue where TD thinks you're trying to gain access through a spoofed IP address or something. I ...
by yukon50
Thu Oct 02, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Security Certificate
Replies: 11
Views: 816

Treasury Direct Security Certificate

Having problems today with Treasury Direct. I went to the website and clicked log in, then clicked yes on "does your account start with a letter." This prompted a screen that says something like this: The sites's security certificate is not trusted. And that Chrome can't rely on for identi...
by yukon50
Thu Oct 02, 2014 3:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Security Certificate
Replies: 11
Views: 816

Re: Chase Ultimate Rewards Program

Transferred 80,000 UR points to United and bought a r/t economy ticket to Southeast Asia from Chicago for 80k miles + $75 in taxes. If I would have paid cash this flight would have costed well over $2,500. Saved quite a bit of money. Somebody would have had to pay me $2500 to get me to fly from chi...
by yukon50
Mon Sep 29, 2014 4:36 am
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 27
Views: 5992

Re: What to do with an older car?

interesting. why remove plates?
by yukon50
Wed Sep 24, 2014 2:43 am
 
Forum: Personal Consumer Issues
Topic: What to do with an older car?
Replies: 22
Views: 1348

Re: Advice for student buying cheap used car

how about ford taurus or malibu?
by yukon50
Tue Sep 23, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3248

Re: Holding Cash because Tried to time Market

Another record. Well, today, 09/18/2014 we had another record in the market and we still have a lot of investors waiting for a window of opportunity to put their cash to work by entering the market. Soon or later market timers will have the opportunity to GET in, but not today, maybe tomorrow, mayb...
by yukon50
Thu Sep 18, 2014 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6550

Re: Holding Cash because Tried to time Market

Another record. Well, today, 09/18/2014 we had another record in the market and we still have a lot of investors waiting for a window of opportunity to put their cash to work by entering the market. Soon or later market timers will have the opportunity to GET in, but not today, maybe tomorrow, mayb...
by yukon50
Thu Sep 18, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6550

Re: How to go about our messy portfolio?

how long have you had the cash sitting in cash?
by yukon50
Thu Sep 18, 2014 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to go about our messy portfolio?
Replies: 20
Views: 2392

Re: Holding Cash because Tried to time Market

...In 2008, I pulled my 401(k) out of the stock market, after listening to some gloom and doom forecasts... When exactly in 2008 did you do this? February 2009. I thought that I was going to lose my job because of the downturn and also half my assets in a divorce. I couldn't risk losing more assets...
by yukon50
Thu Sep 18, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6550

Re: Holding Cash because Tried to time Market

what's your current stock/bond split? what's your proposed eventual stock/bond split?

your money was frozen during divorce, at what point did it become unfrozen?
by yukon50
Thu Sep 18, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6550

Re: Can you haggle with online brokers?

merrill edge will give 100 for 20k
by yukon50
Thu Sep 18, 2014 2:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Can you haggle with online brokers?
Replies: 19
Views: 1518

Re: Any success stories of ppl who never made >$50,000?

Maybe we need to reset this thread and specify $50k income in 2014 dollars, because obviously we're getting responses about cases of never earning more than $50k, back when $50k was a very, very generous income. And we need to decide if it's $50k personal income, maybe x2, or the approximately-aver...
by yukon50
Wed Sep 17, 2014 5:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10155

Re: Any success stories of ppl who never made >$50,000?

much harder but can be done, easier to do on 2 incomes and get some nice marriage tax breaks
by yukon50
Tue Sep 16, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10155

Re: help! where to invest about 500k

approx what was your stock/bond split 4 years ago? 2 years ago?
by yukon50
Tue Sep 16, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: help! where to invest about 500k
Replies: 16
Views: 1277

Re: Should I roll over my 58 year old mom's 401k?

what is the current stock/bond split?
by yukon50
Tue Sep 16, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 844

Re: What to do?? Asset allocation/General Stratergy

17.5K + 5.5K is probably way more than the average American. That's a lot of money. Good job.

You realize the average household makes like 50k? Hard to save that much on that kind of income.
by yukon50
Tue Sep 16, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do?? Asset allocation/General Stratergy
Replies: 7
Views: 937

Re: Can You Build Your Retirement Portfolio Young, then Coas

Or front-loading maybe could allow you to retire at 60 rather than 62. That would be a nice benefit.

I love how the common wisdom is increase your % as you get older. It's so backwards.
by yukon50
Tue Sep 16, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 58
Views: 7426

Re: Rollover of maturing CDs from bank to brokerage

what is your current stock/bond split right now with CD's included?

what will be your split if you lump sum it into schwab right now?
by yukon50
Tue Sep 16, 2014 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover of maturing CDs from bank to brokerage
Replies: 17
Views: 1258

Re: Why do so many think their home is a foolproof investmen

I think oftentimes it is over-consuming on housing. For example, a young couple buys a 3BR while they only need 1BR. Why not wait until you have kids and need the space?
by yukon50
Tue Sep 16, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6533

Re: WA state Teacher Retirement System questions

Perhaps Plan 2 would be good diversification if you have lots of other assets in the markets. Yes, there are risks going forward with Plan 2, but WA is well-funded.
by yukon50
Mon Sep 15, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: WA state Teacher Retirement System questions
Replies: 32
Views: 2313

Re: A History of the Equity Risk Premium and its Estimation

Is this an estimated ERP for next 10 years? Is this ERP higher or lower than normal?
by yukon50
Mon Sep 15, 2014 3:10 am
 
Forum: Investing - Theory, News & General
Topic: A History of the Equity Risk Premium and its Estimation
Replies: 19
Views: 1763

Re: Can You Build Your Retirement Portfolio Young, then Coas

Can we throw out some examples?

How about age 40: If one has 460k at age 40 and gets a 4% real return for 20 years, that would turn into 1 mil by age 60.
by yukon50
Mon Sep 15, 2014 3:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 58
Views: 7426

Re: Strong dollar = tilt international?

US has been beating INTL pretty solid for a while.

INTL is due for a good run. C'mon, international rise!
by yukon50
Sun Sep 14, 2014 5:28 am
 
Forum: Investing - Theory, News & General
Topic: Strong dollar = tilt international?
Replies: 15
Views: 1499

Re: WA state Teacher Retirement System questions

I'll leave it to the math experts to calculate whether a 4.96%-5.95% contribution per paycheck is "worth it" for an additional (1% x years of service) benefit--if any of you want to help, teachers in Washington currently max out at approximately $66,000 salary per year with a Master's deg...
by yukon50
Thu Sep 11, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: WA state Teacher Retirement System questions
Replies: 32
Views: 2313

Re: How to become a millionaire retiree -- then and now

To become a millionaire by investing in the U.S. stock market over a 30-year working career, you could have done so by investing $200/month ($2400/yr.) in inflation-adjusted dollars beginning in the years 1972-1978 (ending 2001-2007). According to the Census Bureau the mean income for males in 1972...
by yukon50
Thu Sep 11, 2014 1:00 am
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 67
Views: 10119

Re: WA state Teacher Retirement System questions

Erhan,

For the Plan 2, what % is deducted from your paycheck?
by yukon50
Tue Sep 09, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: WA state Teacher Retirement System questions
Replies: 32
Views: 2313

Re: Advice for a recent college graduate

Look into the Saver's Credit for IRA contributions.

Make a 2k lump-sum contribution to Roth or Trad IRA in Mar/April 2015.
by yukon50
Wed Sep 03, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for a recent college graduate
Replies: 9
Views: 504

Re: How to weather market downturn with a high chance of lay

A properly designed asset allocation plan can help you weather a market downturn with a high chance of layoff. You adjust for risk by holding less risky assets, not more. Holding more fixed income/cash can provide you with what poster "cfs" calls a SWAN ("sleep well at night") p...
by yukon50
Thu Aug 21, 2014 12:13 am
 
Forum: Investing - Theory, News & General
Topic: How to weather market downturn with a high chance of layoff
Replies: 42
Views: 3444

Re: Increasing Bond Holdings/International Equities

How did you accumulate 130K at age 26 while in the 15% tax bracket?
by yukon50
Tue Aug 19, 2014 12:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Increasing Bond Holdings/International Equities
Replies: 13
Views: 1574

Re: Seattle Chapter?

Mercer Island works.
by yukon50
Mon Aug 04, 2014 12:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 65
Views: 5804

Re: Repair or replace old Taurus?

I've also been looking at used cars on Craiglist. Older Camry's and Ford Five Hundred look attractive but there are not many for sale. Also looking at Nissan Sentra and Chevy Malibu. I have never bought a car before so this is new to me. Most advice is to spend decent money and get a 3-year used Hon...
by yukon50
Thu Jul 17, 2014 2:27 am
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2984

Re: Repair or replace old Taurus?

Personally, I wouldn't fix the car at this point. I'd just let it go. However, have you looked into the possibility of just dropping another engine into it instead. Depending upon the specs of which engine you have, used 98 Vulcan engines with around 90K miles on them are around $800-$1,100 includi...
by yukon50
Thu Jul 17, 2014 2:22 am
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2984

Re: Footwear in Vietnam

Get a good quality pair of flip-flops. 2 weeks isn't that long. It is pretty hot there, so you will not want socks.

If you still feel like needing better support, bring some keens or tevas.
by yukon50
Mon Jul 14, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2232

Re: Repair or replace old Taurus?

You only said head gasket.You didn't say engine overheated etc... I'd repair. Water pump is $50 and 45 minutes of work yourself. Price a couple other mechanics doing the water pump yourself. May be able to get it to 2k. My unscientific calculation is an avg car payment I would pay is 300. So, if it...
by yukon50
Fri Jul 11, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2984

Repair or replace old Taurus?

I've got a 1998 Ford Taurus sedan with 158K miles. Recently it broke down from an engine overheating. It needs a new head gasket and a water pump, which will cost $2200 total. Also will need some new tires pretty soon ($300). Brakes are new. Some contaminated engine coolant in the water reservoir so...
by yukon50
Fri Jul 11, 2014 2:08 am
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2984

Re: My investments are a disaster

How do you work part-time and get 100k? What kind of job?
by yukon50
Wed Jun 25, 2014 5:28 am
 
Forum: Investing - Help with Personal Investments
Topic: My investments are a disaster
Replies: 55
Views: 6436

Re: Bluebird

Yes, go to FT for good info.
by yukon50
Sat Jun 21, 2014 5:42 am
 
Forum: Personal Consumer Issues
Topic: Bluebird
Replies: 14
Views: 1721

Re: Lost a lot in stocks and starting fresh: Please Help

I'd be interested in more facts and numbers about how the debt was accrued in the first place with such a high salary.

But Kudos for the improvement.
by yukon50
Tue Jun 17, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lost a lot in stocks and starting fresh: Please Help
Replies: 90
Views: 12422

Re: Investors hold the lowest percentage of stocks in 50 yea

Investors holding the lowest percentage of stocks in 50 years is a contrarian indicator suggesting that the 5 year bull market still has legs. This demonstrates clearly that the lingering emotional effects of the last 2 terrible bear markets are still fresh in the minds of investors, both individua...
by yukon50
Fri Jun 06, 2014 4:47 am
 
Forum: Investing - Theory, News & General
Topic: Investors hold the lowest percentage of stocks in 50 years
Replies: 38
Views: 4667

Re: Need Suggestion on Where to Invest $120k

Was this from a windfall? Or built-up savings over a period of many years?
by yukon50
Wed May 28, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Suggestion on Where to Invest $120k
Replies: 5
Views: 1113

Re: This market is a snoozer, do you like it?

Honestly no. While I have been contributing to retirement since 2008 when I started working, the money going in then pales in comparison to what we are able to invest now. I can't help but feel like we're getting our money in with the market way too high. I'm not asking for a crash or anything and ...
by yukon50
Tue May 27, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: This market is a snoozer, do you like it?
Replies: 45
Views: 4604

Re: 23 year old- Which funds to invest 45K?

how did you get the cash? savings from working a couple years?
by yukon50
Thu May 08, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 year old
Replies: 8
Views: 1033

Re: In what ways does a retired person's portfolio differ?

So the dirty little secret in financial planning is that distribution portfolios (i.e. in retirement) act completely and totally different from accumulation portfolios (i.e. working and saving for retirement). Nearly everything you hear discussed with a financial adviser, and to a large extent on t...
by yukon50
Wed May 07, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: In what ways does a retired person's portfolio differ?
Replies: 88
Views: 8525

Re: In what ways does a retired person's portfolio differ?

Someone retiring in 1966 or 2000 experienced a vastly different experience and much, much worse returns and outcomes. thx1138: With the benefit of hindsight, what would have been a better strategy for someone retiring in January 2000 (at the beginning of a bear market) than cutting spending and inc...
by yukon50
Tue May 06, 2014 7:05 am
 
Forum: Investing - Theory, News & General
Topic: In what ways does a retired person's portfolio differ?
Replies: 88
Views: 8525

Re: Please critique my 300k portfolio

chameleon wrote:A little about myself. I'm currently unemployed traveling abroad.


Nice!!

How long are you traveling? How did you accumulate so much at a young age? It's great to be able to hopefully make some money in investments while abroad.
by yukon50
Sun Apr 20, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my 300k portfolio
Replies: 12
Views: 2114

Re: Help select laptop

1. Salesperson told me a celeron or pentium processor are way behind the times and I would be better with something better. I'm not sure about this considering my needs are pretty small and I'm not very picky. I am not really a hardware person, but I would tend to agree. A good laptop is going to l...
by yukon50
Sat Apr 19, 2014 5:58 am
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 1770
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