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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: 7
Views: 733

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: 48
Views: 4078

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: 2820

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: 2820

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: 2111

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: 2820

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: 2820

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: 6368

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: 1685

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: 12140

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: 4649

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: 1110

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: 4537

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: 1027

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: 8136

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: 8136

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: 2102

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: 1737

Help select laptop

I'm looking for a new laptop. Budget: $300-400 Usage: -Mainly internet browsing with up to 10 tabs open in a browser at once -MS Word for job searching -Small amount of youtube, and also some photo storage I'm not very well versed on technology, so it's hard for me to determine what's a good value p...
by yukon50
Thu Apr 17, 2014 6:14 am
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 1737

Re: Converting i-bonds to electronic

stevewolfe wrote:Since the site was unhelpful I'm curious why are you thinking you'd like to continue with the electronic conversion vs. keeping them in a safe deposit box, etc?


Do they need to be kept in a safe deposit box? What happens if house burns and they are at home?
by yukon50
Wed Apr 16, 2014 2:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Converting i-bonds to electronic
Replies: 7
Views: 662

Re: This time it's different?

Don't know what I paid for my shares in the 1980s and 1990s, but there were some good times and some bad economic times. The returns seemed to be okay by 2005 when I retired at age 55. Should I have been more careful? Should I have watched valuations closer? I'm sure that I don't know how to time t...
by yukon50
Thu Apr 10, 2014 5:59 am
 
Forum: Investing - Theory, News & General
Topic: This time it's different?
Replies: 16
Views: 2551

Re: Anyone else very reluctant to buy right now?

Seems like lots of posts go like this:

"I'm 32 and have 200k in the bank (my life savings so far). I'm tired of 0% in savings. Since the market is high, should I lump sum this 200k now or DCA over 6 mo?"
by yukon50
Mon Apr 07, 2014 3:02 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 13937

Re: No Market Mania Here!

Is it me or are there a lot of new posts like this:

"I've got 80k in the bank and I'm tired of a 0% return. I know it's bad to invest at high points but convince me to invest it all now or DCA over 6 months?"
by yukon50
Wed Apr 02, 2014 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: No Market Mania Here!
Replies: 13
Views: 1289

Re: "Investing" in gift cards

The time I spent reading this thread was barely worth it to me. Let alone the time and leg work to do some of this. :D I give some of you all credit though for doing it to save a few bucks. Good job, really!... Not worth it to me though either. It's not worth it to you to do 2 hours of work to get ...
by yukon50
Wed Apr 02, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Investing" in gift cards
Replies: 32
Views: 2919

Re: Need to allocate $155K in IRA

How long have you had the 155k in cash? If you've held it for a few years, why didn't you invest a few years ago?
by yukon50
Mon Mar 31, 2014 6:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Need to allocate $155K in IRA
Replies: 10
Views: 1515

Re: Happy fifth birthday! [since the 2008-2009 market crash]

I would be interested in all the 5-year returns since 3/9/09 for all the asset classes, similar to the summary in the 2010 thread.
by yukon50
Thu Mar 13, 2014 6:36 am
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 3954

Re: Hit a milestone today. Thanks Bogleheads!

snoop9928 wrote:Congrats! I broke 200k a month ago at 27. Pretty excited. Keep saving!


Nice!

Can you share more? When start work? Inheritance?
by yukon50
Fri Mar 07, 2014 6:39 am
 
Forum: Investing - Theory, News & General
Topic: Hit a milestone today. Thanks Bogleheads!
Replies: 31
Views: 4962

Re: How early to purchase plane tickets?

Hawaii is a popular Xmas destination from the West Coast. While you can find flights and hotels later in the year to the outer Islands, rental cars become the constraint. There's only so many on the outer Islands, and they will be reserved by October or the price can rise five to ten times normal r...
by yukon50
Mon Mar 03, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How early to purchase plane tickets?
Replies: 15
Views: 1554

Re: First foray into taxable accounts, $15k to invest now

If your taxable account has 25k, you could buy-and-hold VTI and transfer your account around every 6 months to get nice bonuses.

Fidelity, for example, offers 15,000 United miles for 25k.
by yukon50
Sun Feb 16, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: First foray into taxable accounts, $15k to invest now
Replies: 32
Views: 3234

Re: When did/do you want stocks to start rising?

I probably would too if I were investing from scratch. But as it is, the damage from the current investments would be large enough that there's no guarantee that the battered stocks will ever recover it, or that I'll make enough money going forward to help them do that. And my ability to sleep woul...
by yukon50
Mon Feb 10, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: When did/do you want stocks to start rising?
Replies: 58
Views: 3427

Recommend travel insurance

Does anyone have recommendations on travel insurance? I'm planning on getting DAN (scuba insurance) and it seems like it has some useful features that compare to travel insurance, however, I have never purchased travel insurance so I don't really know it that well. I'm wondering if a DAN plan is goo...
by yukon50
Tue Dec 17, 2013 2:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommend travel insurance
Replies: 5
Views: 437

Re: Shiller P/E 10 hits 25

Man, I love VBS now. They sure have made buying and selling easier. I was able to: sell VBR buy VXUS buy VGK buy VSS all in about 2 minutes. I just sold 25% of my US stocks. From 55/45 US/international I think that makes me 40/60 now. So you went from 55% US to 40% US and dropped total stock percen...
by yukon50
Fri Nov 15, 2013 5:53 am
 
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 268
Views: 18547

Re: Shiller P/E 10 hits 25

Also, we assume that going up to a PE level from 2000 is a best-case scenario.

But what if the US market does something like a Japan in the 80's. What would the Japan PE10 been up to in 1989?
by yukon50
Fri Nov 15, 2013 5:52 am
 
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 268
Views: 18547

Re: ShareBuilder bonus cash - any potential issues?

I went for a Sharebuilder bonus: $100 for making 5 trades. I met the bonus and they refused to award the bonus because I had gotten a few bonus in the past from them.

I pleaded with them and they refused to budge.
by yukon50
Sun Oct 20, 2013 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: ShareBuilder bonus cash - any potential issues?
Replies: 11
Views: 891

Re: For TIPS ladder, IBonds versus TIPS?

I am sticking with I Bonds only. And you can buy an additional $10K/year for your living trust (which you could pretty easily create on your own using the Nolo Press book), so $20K total per year. The thing about I Bonds is that they have no interest-rate risk, other than the early withdrawal penal...
by yukon50
Fri Oct 11, 2013 3:20 am
 
Forum: Investing - Help with Personal Investments
Topic: For TIPS ladder, IBonds versus TIPS?
Replies: 20
Views: 1735

Re: Recommend a cheap, small tablet?

I will probably try to find something used for under $100 because my traveling will be rough on it (backpacks getting thrown around). Leaning towards the Kindle but still considering all options.

Won't be using it extensively. Just want to have something to watch sports games with.
by yukon50
Wed Oct 09, 2013 6:45 am
 
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 4172

Re: A personal story about investor behavior

I wonder what the real return would have been for a 50/50? How would this have compared to a real return during 2008?
by yukon50
Tue Oct 01, 2013 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: A personal story about investor behavior
Replies: 16
Views: 2644

Re: Recommend a cheap, small tablet?

I will be using it mostly for browsing internet and watching sports.

Will try to buy something used.

Haven't considered buying a phone and using it for internet/sports. Maybe I will look into that, too.
by yukon50
Mon Sep 30, 2013 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 4172

Recommend a cheap, small tablet?

What is a good tablet that is cheap and portable and would be good for traveling internationally?

Want to have something that can connect to wifi.

Thinking of something like a Kindle Fire. Is there anything smaller?

Am considering buying a used device off Craiglist. Is that a good or bad idea?
by yukon50
Mon Sep 30, 2013 4:45 am
 
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 4172

Re: Shiller PE10 nearing nosebleed territory?

What I found interesting is:

At the extremes, the standard deviation is lower. Which means at low valuations you have a pretty good chance of good returns and at high valuations a pretty good chance of subpar returns.
by yukon50
Thu Sep 26, 2013 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 24330

Re: Shiller PE10 nearing nosebleed territory?

I'm expecting something of a reversion to the mean for equity returns, a lost decade for fixed income and strong justification to avoid any US home country bias, because there are certainly international companies competing head to head with US ones across all markets, and the case for paying signi...
by yukon50
Thu Sep 26, 2013 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 24330

Re: Does active investing work for college endowments?

What is the purpose of an endowment? What is the money earmarked for?
by yukon50
Wed Sep 25, 2013 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Does active investing work for college endowments?
Replies: 26
Views: 2086

Re: Shiller PE10 nearing nosebleed territory?

In 1996, Alan Greenspan announced that stock investors were exhibiting "irrational exuberance". The S&P 500 doubled over the next 3 years. The message in this reminder is that if you believe stock prices are at a nosebleed P/E level, there is a fair chance they could go to the heart a...
by yukon50
Mon Sep 23, 2013 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 24330

Re: ACA: Pay penalty?

One can not simply buy health insurance on the 'Marketplace' when they become sick just as you can buy Homeowners insurance while your house is on fire. Marketplace has Open Enrollment period when one can purchase health insurance. For the year 2014, open enrollment period is October 1st 2013 throu...
by yukon50
Sun Sep 22, 2013 1:32 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA: Pay penalty?
Replies: 34
Views: 2723

Re: ACA: Pay penalty?

Jack, With the elimination of pre-existing conditions, one can sign up for an exchange plan during open enrollment and for a non-exchange plan outside of open enrollment, right? What makes you think you can sign up for a non-exchange plan outside of open enrollment? There is nothing in the law requ...
by yukon50
Sat Sep 21, 2013 2:22 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA: Pay penalty?
Replies: 34
Views: 2723

Re: ACA: Pay penalty?

Jack, With the elimination of pre-existing conditions, one can sign up for an exchange plan during open enrollment and for a non-exchange plan outside of open enrollment, right? What makes you think you can sign up for a non-exchange plan outside of open enrollment? There is nothing in the law requ...
by yukon50
Sat Sep 21, 2013 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA: Pay penalty?
Replies: 34
Views: 2723

ACA: Pay penalty?

With the elimination of pre-existing conditions, one can sign up for an exchange plan during open enrollment and for a non-exchange plan outside of open enrollment, right? So what is to prevent someone from waiting until they get sick and then signing up? I guess you could get into a really bad acci...
by yukon50
Fri Sep 20, 2013 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA: Pay penalty?
Replies: 34
Views: 2723

Re: Shiller PE10 nearing nosebleed territory?

http://i46.tinypic.com/14d3g4p.jpg Just eyeballing this, it looks like PE10 got up around 23 approximately in 1902, 1928,1965, 1995. Each time, even though it might have gone on to higher levels, it eventually came back to single digits except for the last time, when it eventually came back to abou...
by yukon50
Thu Sep 19, 2013 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 24330

Re: Shiller PE10 nearing nosebleed territory?

I don't know, in my view PE10-based asset allocation produces equivalent returns with lower risk. I'm happy with my long-term returns, and I was able to completely miss the 2000 tech crash and entered the 07 crash only 30% invested in stocks. All my IPS does is help me avoid overinvestment at extre...
by yukon50
Thu Sep 19, 2013 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 24330

Re: 10 year Treasury Rate Hits 3%

Where is the 30 year TIPS? Getting killed compared to Total Bond Market! Well, that is true but compared to a CD or ST bonds/bond fund, the intermediate stuff is getting killed. I do not understand all of the fuss about the rising interest rates. the recent rise should not be a surprise to anyone a...
by yukon50
Sat Sep 07, 2013 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10 year Treasury Rate Hits 3%
Replies: 23
Views: 3766
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