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by zaboomafoozarg
Fri May 15, 2015 4:24 pm
Forum: Investing - Theory, News & General
Topic: The striking effects of career sequencing with pension and 401k
Replies: 13
Views: 1876

Re: The striking effects of career sequencing with pension and 401k

Image

I made it a priority to find a job with a pension before I was 30, and also max out my 401k + IRA.

Hopefully I can get enough working from age 25-45 to take 45-65 off :sharebeer
by zaboomafoozarg
Sat May 09, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 5371

Re: Stop contributions to retirement accts due to future RMDs

Somewhere in the 5-8 year range before terminating employment (and retirement contributions), one should start doing retirement income projections. Once your retirement income gets you in the same marginal tax bracket as your full time employment, it could be time to desist putting more into tradit...
by zaboomafoozarg
Fri May 08, 2015 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 133
Views: 15013

Re: much ado about coasting (through life)

It is bizarre to me that so many people think that "contributing to the species" is coextensive with giving 100% at some job. When you really think about it, do the vast majority of our jobs contribute to the species? A huge slice of our economic engine is centered on convincing people to...
by zaboomafoozarg
Wed May 06, 2015 9:33 pm
Forum: Investing - Theory, News & General
Topic: Gross: stockbug alert, future investment returns will be miniscule
Replies: 67
Views: 5527

Re: Gross: stockbug alert, future investment returns will be miniscule

grap0013 wrote:^Agreed this is a depressing thread.


It's a depressing world we live in. Always has been, always will be.

Though I suspect that the next 30 years didn't look good back in '85, yet here we are and it's not too awful bad. Maybe if we're lucky, we will be able to look back the same way in 2045.
by zaboomafoozarg
Mon May 04, 2015 2:03 pm
Forum: Investing - Theory, News & General
Topic: Gross: stockbug alert, future investment returns will be miniscule
Replies: 67
Views: 5527

Re: Gross: stockbug alert, future investment returns will be miniscule

On the plus side, it looks like we've got our negativity down pat so that we'll be ready when the Bad Times come. :D Ok, that's partially joking, but partially not. It really does feel like returns are going to be much much lower than in the past, and one will need to save 40% of their income over t...
by zaboomafoozarg
Sun May 03, 2015 9:05 am
Forum: Investing - Theory, News & General
Topic: Financial reasons to get a summer job?
Replies: 36
Views: 1838

Re: Financial reasons to get a summer job?

I thought most CS bachelors degree programs nowadays required internships in order to graduate. Mine required 3 12-week verified work experiences in order to be eligible for graduation. It really helped me decide what type of work I liked (and didn't like) before graduating and looking for a full ti...
by zaboomafoozarg
Sat May 02, 2015 11:34 pm
Forum: Investing - Theory, News & General
Topic: When - and how - to relax about retirement assets?
Replies: 18
Views: 3987

Re: When - and how - to relax about retirement assets?

I don't know if I'll ever be able to relax. The more I have, the more I worry about losing it. Funny how that works.
by zaboomafoozarg
Fri May 01, 2015 8:39 pm
Forum: Investing - Theory, News & General
Topic: Who's Buying I Bonds Now?
Replies: 39
Views: 2862

Re: New I bond rates out - not good news

On the plus side, the CPI went down so stuff isn't more expensive.
by zaboomafoozarg
Fri May 01, 2015 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Can you improve this constructed portfolio?
Replies: 35
Views: 2456

Re: Can you improve this constructed portfolio?

Based on the OP's responses, I assume the question "Can you improve this constructed portfolio?" was intended to be hypothetical.
by zaboomafoozarg
Fri Apr 24, 2015 1:42 pm
Forum: Investing - Theory, News & General
Topic: Mother lode of information on Public Pension Plans
Replies: 3
Views: 832

Re: Mother lode of information on Public Pension Plans

Interesting.

I thought Ohio's funding level for public pensions was low, but then I looked at Illinois... :shock:
by zaboomafoozarg
Fri Apr 24, 2015 11:24 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3237

Re: Is tax loss harvesting that powerful ?

coachz wrote:wholly guacamole ! If you guys have any more strategies of the rich and powerful (or even that work for normal people) I'm always interested in learning more. Thanks again. :beer


Rebalancing is like a greeeat sports play!
by zaboomafoozarg
Fri Apr 24, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I apply for manager's job or continue as a techie?
Replies: 145
Views: 9702

Re: Should I apply for manager's job or continue as a techie

You'll have chances to go back to a tech type job but you probably won't often have this type of opportunity to move forward with your same firm. That's what happened to me. I took a lead/management role and found that I didn't like it as much as an individual contributor tech role, but my company ...
by zaboomafoozarg
Sat Apr 18, 2015 6:48 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 5277

Re: Favorite Boglehead Avatar?

I found bertilak's previous avatar with the Rabbit like creature very fascinating. Like it was calling me. http://i57.tinypic.com/2mw55pi.jpg That's Max from the Sam & Max comics , excuse me, make that "graphic novels!". They're "Freelance Police." Credit to Steve Purcell. H...
by zaboomafoozarg
Sun Apr 12, 2015 10:16 pm
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 16315

Re: The $1 Million Goal: Source of Motivation or Discouragem

SOME of the answers on this thread, quite frankly, make me embarrassed to be a member of this board. (I'm not embarrassed because those are only a minority of the answers, but if they were the large consensus, then I would be.) We just have a lot of people with very large income and large expenses....
by zaboomafoozarg
Sun Apr 12, 2015 12:38 am
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 16315

Re: The $1 Million Goal: Source of Motivation or Discouragem

Originally I told myself that when I crossed each $100k mark, I would get myself a little something as celebration. So far I haven't done that because when compared to what many people have, another $100k isn't anything great. $100k is the median 401k balance at retirement. Good to see the Boglehea...
by zaboomafoozarg
Sat Apr 11, 2015 11:33 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 5277

Re: Favorite Boglehead Avatar?

Oh I also like Bustoffs, since it's the logo for the best golf course and golf tournament in existence (which I happen to be watching at the moment)
by zaboomafoozarg
Sat Apr 11, 2015 9:28 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 5277

Re: Favorite Boglehead Avatar?

For some reason, TwoByFour's avatar makes me chuckle about 50% of the time and creeps me out the other 50% of the time. But it's always eye-catching and I think it's probably what I look like hunched over at my desk all day, so I vote for that one: http://www.bogleheads.org/forum/download/file.php?a...
by zaboomafoozarg
Fri Apr 10, 2015 11:53 pm
Forum: Investing - Theory, News & General
Topic: White Swans
Replies: 2
Views: 734

Re: White Swans

I don't count on good things happening. I assume everything is going to be bad from here on out, but if some things are better than expected I guess I'll be pleasantly surprised.
by zaboomafoozarg
Fri Apr 10, 2015 11:25 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 7564

Re: Hypothetical End Game Scenario w/ 5M retirement account

Threads like this make me think I shouldn't have settled for a career that tops out at $120k per year.
by zaboomafoozarg
Fri Apr 10, 2015 3:06 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 7564

Re: Hypothetical End Game Scenario w/ 5M retirement account

feh wrote:Holy smokes. Talk about first world problems... :shock:


Here at bogleheads.org, we're all about first world problems! :D
by zaboomafoozarg
Fri Apr 10, 2015 9:26 am
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 7564

Re: Hypothetical End Game Scenario w/ 5M retirement account

I would have quit the game at $2 million and retired on $50-60k per year doing a good amount of cheap travel.
by zaboomafoozarg
Wed Apr 08, 2015 10:45 pm
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 16315

Re: The $1 Million Goal: Source of Motivation or Discouragem

I've found net worth goals to be both motivating and discouraging. Motivating because each new $100k goals seems like it will be a big deal when I get there. Discouraging because each time I achieve a $100k goal, I realize that there's nothing special about it. Originally I told myself that when I c...
by zaboomafoozarg
Wed Apr 01, 2015 11:02 pm
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 3427

Re: Baby Grand Piano

My kids learned on a "high end" Yamaha Clavinova, which had weighted keys and was just fine, and had the advantage of not needing tuning and other things. Of course, it wasn't a baby grand or a Steinway. Yep, Clavinovas are great. My piano right now is a CVP-407, which has a very good sou...
by zaboomafoozarg
Tue Mar 31, 2015 7:22 pm
Forum: Investing - Theory, News & General
Topic: Should a true BH visit this forum regularly?
Replies: 32
Views: 3192

Re: Should a true BH visit this forum regularly?

I come here for livesoft's exclusive RBD sell-buy signals.
by zaboomafoozarg
Sun Mar 29, 2015 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: All lazy portfolios impossible at Vanguard?
Replies: 23
Views: 2899

Re: All lazy portfolios impossible at Vanguard?

You can open a brokerage account in your IRA and buy the ETFs, which have minimum amounts of 1 share. This would require buying into the money market fund VMMXX which has a $3000 minimum.
by zaboomafoozarg
Sun Mar 29, 2015 5:51 pm
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 44
Views: 5139

Re: I Bonds - now or later in the year?

VictoriaF wrote:Then, unexpectedly, the rate shoot up to the whooping 0.2%. I still can't forgive myself for the lack of patience.


That's a steep price to pay for losing out on about $20 of interest per year :D
by zaboomafoozarg
Fri Mar 27, 2015 10:27 pm
Forum: Investing - Theory, News & General
Topic: Retirement calculation lies? [Geometric vs. arithmetic mean]
Replies: 49
Views: 5642

Re: Retirement calculation lies?

I always assume that when a return percentage is given over a period of time, it is geometric mean. Otherwise it makes no sense, like the numbers Dave Ramsey throws around using arithmetic mean.
by zaboomafoozarg
Thu Mar 26, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 116
Views: 12441

Re: Wise move to move some $ to cash before bear market?

What if you had done this on January 1, 2013?
by zaboomafoozarg
Thu Mar 26, 2015 6:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6615

Re: Vanguard HealthCare Fund

ResearchMed wrote:OMG!

SELL! SELL!!! SELL!!!

RM


The order doesn't go through until tonight, so you have 1 day!
by zaboomafoozarg
Wed Mar 25, 2015 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is my income tax too high?
Replies: 8
Views: 1289

Re: Is my income tax too high?

I have the same effective tax rate (federal only) and made half the money. Are you married filing jointly?
by zaboomafoozarg
Wed Mar 25, 2015 7:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6615

Re: Vanguard HealthCare Fund

Thank you for not investing in healthcare :twisted: Based on your stated conviction your buying would result in 30 years of under performance please stay awY LOL. Well... we're going to see! :D All the regret was killing me, so I did what any good stay-the-course Boglehead wouldn't do - said heck w...
by zaboomafoozarg
Wed Mar 25, 2015 10:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6615

Re: Vanguard HealthCare Fund

I have been advocating buying VGHCX for as long as this forum has been around and, before that, in the old Diehards forum. The general consensus of most posters here is that you shouldn't hold it because it's a sector bet. Go figure. Sometimes you can lead the horse to water but they just won't dri...
by zaboomafoozarg
Wed Mar 25, 2015 7:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6615

Re: Vanguard HealthCare Fund

I kind of feel dumb for not investing in this. But if I did it would probably underperform the next 30 years.
by zaboomafoozarg
Wed Mar 25, 2015 6:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6615

Re: Vanguard HealthCare Fund

Almost 15% of VTSMX is health care, that's enough for me.
by zaboomafoozarg
Sun Mar 22, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 3427

Re: Baby grand piano decision

Of the two brands you mentioned, I have typically preferred Yamahas. I played a Yamaha grand at a church for a few years and it was very nice. Great action, touch and sound. If you're looking for different ideas, Estonia 168's are very nice, and they're usually a decent price as well. I'm pretty sur...
by zaboomafoozarg
Sun Mar 22, 2015 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 1945

Re: Mysterious Vanguard Security Code

Yes, I do use Mint, so maybe that's it. Most likely it is. As soon as I turned on Vanguard's two-factor auth, I started getting texts from Vanguard every few days. It was Mint trying to log in. Eventually I got tired of it and turned two-factor off. I guess when push comes to shove, I like convenie...
by zaboomafoozarg
Sun Mar 22, 2015 2:41 pm
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 8090

Re: How do you invest your taxable account?

I disagree with most of these replies. ... According to my calculations, based on my tax situation (39.6% fed + 8.97% state) , putting the fastest growing investments into tax-deferred space to avoid dividend and capital gains taxes and to "expand" the 401k/IRA/Roth space will result in M...
by zaboomafoozarg
Sun Mar 22, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 7569

Re: What Age Did You First Ponder Financial Independence?

1994 - I took a 2-months vacation and walked over 800km (500 miles) along GR3 and some smaller walking paths in France. A once in a lifetime trip has turned into a lifetime of trips. I wanted to walk other GRs, but work was on the way. A 2-month vacation would be amazing! The longest I've ever been...
by zaboomafoozarg
Sun Mar 22, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax is the WORST
Replies: 6
Views: 1860

Re: TurboTax is the WORST

It's always worked fine for me.
by zaboomafoozarg
Fri Mar 20, 2015 6:43 am
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 8090

Re: How do you invest your taxable account?

I only buy VTSAX, VTIAX and I Bonds in my taxable accounts.
by zaboomafoozarg
Thu Mar 19, 2015 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 7569

Re: What Age Did You First Ponder Financial Independence?

When I was 27 or 28 and got sick of my job. I had always assumed that I would want to work until I was 70. A few years of working proved this to not be the case :D

Right about that time is when I found this site, and realized I could retire early if I started investing all the money I was saving.
by zaboomafoozarg
Tue Mar 17, 2015 7:35 am
Forum: Investing - Theory, News & General
Topic: Article: The Death of The Millionaire Next Door Dream
Replies: 20
Views: 5539

Re: Article: The Death of The Millionaire Next Door Dream

The RetireEarly forum really layed into this article: http://www.early-retirement.org/forums/f28/can-one-really-become-the-millionaire-next-door-76351.html and became one of the rarely locked threads over there. Ranting about articles is not productive. I doubt we will get to 10 pages before this o...
by zaboomafoozarg
Sun Mar 15, 2015 8:03 am
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 160
Views: 16338

Re: Bogleheads 2015 Hedge Fund Contest

I had Alliant Techsystems (ATK), which got spun off into VSTO and OA. Problematic for the simple minded software, which has only three slots long and three short. Pick one of the successor companies and I'll make an appropriate adjustment. I'll take OA, it's more related to the original core busine...
by zaboomafoozarg
Sat Mar 14, 2015 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Sell gas station for one dollar
Replies: 48
Views: 4160

Re: Sell gas station for one dollar

airahcaz wrote:had dinner with a friend whose father poured his whole life into his gas station (his only retirement asset)...

Thoughts on any helpful advice?


Not for him. But for everyone else, this is a good reminder of the potential downside of risk concentration.
by zaboomafoozarg
Sat Mar 14, 2015 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: How to plan for early retirement: Healthcare costs
Replies: 53
Views: 6575

Re: How to plan for early retirement: Healthcare costs

sanfran2015 wrote:but that not sure I would want to live in a red state. I wouldn't be able to stand Ted Cruz as my senator :)


LOL, it doesn't really factor into day-to-day life, especially if you live in a large city.
by zaboomafoozarg
Sat Mar 14, 2015 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: How to plan for early retirement: Healthcare costs
Replies: 53
Views: 6575

Re: How to plan for early retirement: Healthcare costs

madbrain wrote:Prior to the ACA, we would not have been able to get insured and thus taking early retirement was basically unthinkable.


Same here, with brain surgery/seizure meds - no non-employer insurer would have covered me for the rest of my life were it not for ACA.
by zaboomafoozarg
Sat Mar 14, 2015 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to plan for early retirement: Healthcare costs
Replies: 53
Views: 6575

Re: How to plan for early retirement: Healthcare costs

This really makes me wonder how folks like Mr Money Mustache can pull off living on 25k/year for a family with a kid. What am I missing? Is there anyone on this forum who retired early (in 40s or 50s) on what would be considered a reasonable savings and not ultra-high-net-worth >5M? I am beginning ...
by zaboomafoozarg
Sat Mar 14, 2015 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to plan for early retirement: Healthcare costs
Replies: 53
Views: 6575

Re: How to plan for early retirement: Healthcare costs

sanfran2015 wrote:Wow! 1k/month?! Is that each or for both? That would be a substantial increase from my current plan where employer picks up most of the premium cost.
I guess working longer does have its advantages :(


My parents pay almost $900 per month for a $4000 per person HDHP that covers both of them.
by zaboomafoozarg
Fri Mar 13, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 160
Views: 16338

Re: Bogleheads 2015 Hedge Fund Contest

What happens when a company gets spun off/merged?

I had Alliant Techsystems (ATK), which got spun off into VSTO and OA. Now my ATK shows up as $0.00 :oops:

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