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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 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: All lazy portfolios impossible at Vanguard?
Replies: 11
Views: 1102

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
Sun Mar 29, 2015 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 31
Views: 2501

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
Fri Mar 27, 2015 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement calculation lies? [Geometric vs. arithmetic mean]
Replies: 44
Views: 3913

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 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 66
Views: 5763

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
Thu Mar 26, 2015 6:16 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 57
Views: 4806

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 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my income tax too high?
Replies: 8
Views: 1231

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 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 57
Views: 4806

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 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 57
Views: 4806

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 7:27 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 57
Views: 4806

Re: Vanguard HealthCare Fund

Almost 15% of VTSMX is health care, that's enough for me.
by zaboomafoozarg
Wed Mar 25, 2015 6:50 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 57
Views: 4806

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 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 30
Views: 1953

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 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 1766

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 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 62
Views: 5845

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 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 6759

Re: TurboTax is the WORST

It's always worked fine for me.
by zaboomafoozarg
Sun Mar 22, 2015 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax is the WORST
Replies: 6
Views: 1726

Re: How do you invest your taxable account?

I only buy VTSAX, VTIAX and I Bonds in my taxable accounts.
by zaboomafoozarg
Fri Mar 20, 2015 6:43 am
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 62
Views: 5845

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
Thu Mar 19, 2015 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 6759

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
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: 5364

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
Sun Mar 15, 2015 8:03 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 139
Views: 13264

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 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sell gas station for one dollar
Replies: 48
Views: 3924

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 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to plan for early retirement: Healthcare costs
Replies: 53
Views: 6074

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 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to plan for early retirement: Healthcare costs
Replies: 53
Views: 6074

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 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to plan for early retirement: Healthcare costs
Replies: 53
Views: 6074

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
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: 6074

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:
by zaboomafoozarg
Fri Mar 13, 2015 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 139
Views: 13264

Re: U.S. stocks in freefall

US and international are still slightly positive for 2015.
by zaboomafoozarg
Fri Mar 13, 2015 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1225
Views: 229800

Re: If 2% is real, we are . . . . ?

Dr. Bernstein's predictions are dangerous. They are just as dangerous as those predicting 12% returns who will never save enough. Dr. Bernstein's predictions risk building way too much fear where you spend your whole life as a miser afraid to spend even a penny on anything that isn't absolutely nec...
by zaboomafoozarg
Wed Mar 11, 2015 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: If 2% is real, we are . . . . ?
Replies: 63
Views: 6239

Re: Will you buy an Apple Watch?

My $10 watch from Walmart is still running just fine, so nope.
by zaboomafoozarg
Tue Mar 10, 2015 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 324
Views: 17295

Re: Will you buy an Apple Watch?

This should be tagged YAWatchT (Yet Another Watch Thread) :D
by zaboomafoozarg
Mon Mar 09, 2015 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 324
Views: 17295

Re: Bernstein: 2% investment returns over next 20 years

Why invest in stocks if you're money isn't expected to double for 3-4 decades? I'd rather invest in a local lawn mowing business. If nothing else, these type of extended bear market predictions are motivating. I've started working on a couple of side income streams in the past year because it looks...
by zaboomafoozarg
Mon Mar 09, 2015 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22897

Re: Can I Retire?

AllenSmith wrote:Do you want to retire? 58 seems so young


I've wanted to retire since I was 28!

OP, I think 3% is a pretty darn safe withdrawal rate - it is the rate I am shooting for as well (separate from my pension).
by zaboomafoozarg
Sat Mar 07, 2015 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I Retire?
Replies: 16
Views: 2280

Re: What is your credit score?

810 last time I checked.
by zaboomafoozarg
Thu Mar 05, 2015 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 63
Views: 4530

Re: "Americans Aren't Saving Enough for Retirement"

Wow. Not what I want to read first thing in the morning but something we all need to consider, that is the prospect of low investment returns. The low interest rates are forcing all of us to be more aggressive in our investments hoping that the stock market will bail us out. Even our beloved I-Bond...
by zaboomafoozarg
Wed Mar 04, 2015 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: "Americans Aren't Saving Enough for Retirement"
Replies: 41
Views: 4776

Re: One share of BRK.B for Geico discount?

I called Geico after buying a BRK.B share and they gave me the affiliate discount, no proof required.
by zaboomafoozarg
Tue Mar 03, 2015 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: One share of BRK.B for Geico discount?
Replies: 18
Views: 2038

Re: How to find a spouse who wants financial independence

I can't say that's an indication of "financially savvy", my first impression would be tacky and cheapskate. I'm all for using coupons, but on a first date? Please. Run. If someone had a simple way to save money and they didn't because they thought it would look bad, I would be the one doi...
by zaboomafoozarg
Tue Mar 03, 2015 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 8098

Re: What's your average ER?

.09%, last time I checked. My 401k has index funds with really low ERs which helps quite a bit.
by zaboomafoozarg
Sun Mar 01, 2015 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7145

Re: Has anyone ever voluntarily downsized their job?

I downsized my responsibilities from my last job (went from a lead developer to just a senior developer)... but got a $20k raise in the process. Win/win situation in my book, since I hated being a lead.
by zaboomafoozarg
Sun Mar 01, 2015 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 2853

Re: How to find a spouse who wants financial independence

There are too many ways that a relationship can go bad, both emotionally and financially. I can't take that risk.
by zaboomafoozarg
Sun Mar 01, 2015 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 8098

Re: Not "Staying the Course"

Suppose one's total stock market index fund dropped by 5% on Monday. I think most folks here would not stay the course and would not rebalance by buying more that day. There would be lots of new posts to the forum in some of the old threads though. But I daresay only a handful of people would stay ...
by zaboomafoozarg
Sat Feb 28, 2015 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4885

Re: How to Invest in Gold

I don't have gold in my AA, but I do own some gold in the form of ancient gold coins for my collection. If I was using gold as part of my AA and wanted to rebalance it with other investments, I'd probably buy GLD. But if I was buying it for a true safehaven or zombie-apocalypse fallback, I would buy...
by zaboomafoozarg
Sat Feb 28, 2015 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: How to Invest in Gold
Replies: 70
Views: 4498

Re: International is disappointing

Vanguard Total International has underperformed the S&P 500 in the past 5 years by more than 60%? So disappointing that I'm considering taking the risk and going 100% Vanguard TSM (Total Stock Market). Straight from your signature: "1) Invest you must 2) Time is your friend 3) Impulse is y...
by zaboomafoozarg
Sat Feb 28, 2015 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7163

Re: REITs [Why did Vanguard's REIT lose 2% today?]

livesoft wrote:REIT fund up 1% today, is it time to sell shares bought yesterday?


My RGD indicator equation says no :D
by zaboomafoozarg
Wed Feb 25, 2015 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: REITs [Why did Vanguard's REIT lose 2% today?]
Replies: 33
Views: 3445

Re: Buy and Hold Forever Stocks

I'll hold my 1 share of BRK.B as long as it gets me the 8% Geico auto insurance premium discount. Wow I had no idea that this was a thing Yep! I just had to call them and ask for the Berkshire Hathaway shareholder discount. It doesn't stack with some discounts if you already have them, but luckily ...
by zaboomafoozarg
Mon Feb 23, 2015 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 8182

Re: Buy and Hold Forever Stocks

I'll hold my 1 share of BRK.B as long as it gets me the 8% Geico auto insurance premium discount.
by zaboomafoozarg
Mon Feb 23, 2015 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 8182

Re: Luxury Car

airahcaz wrote:Ya, agree, the whole Luxury car discussion is a bit of an oxymoron for Bogleheads. Perhaps it is a goal to enjoy in retirement (or maybe mid 50's?)


I guess if you enjoy driving. For me it's never been anything other than the most viable mode of transportation - nothing fun about it.
by zaboomafoozarg
Mon Feb 23, 2015 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5683

Re: What age do you guys plan to retire?

TxAg wrote:Quick question: what are folks considering "financially independent"?


Financially independent = having enough money to be reasonably assured that you will not need to work again, for the rest of your life.
by zaboomafoozarg
Mon Feb 23, 2015 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8873

Re: What age do you guys plan to retire?

FredL wrote:People in the thread probably don't like their jobs. Warren Buffet at 85 is still not planning to retire.


I like doing other stuff more than I like my job. Good for Buffet, but I'm not Buffet.
by zaboomafoozarg
Sun Feb 22, 2015 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8873

Re: Luxury Car

airahcaz, I assume you'd hold out for the Apple car :D
by zaboomafoozarg
Sun Feb 22, 2015 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5683

Re: What age do you guys plan to retire?

assegai wrote:Wow, a lot of people did some great saving and investing and are retiring young.


This forum is what got me started! So glad I stumbled across it when I was 28... just wish I'd found it a few years sooner.
by zaboomafoozarg
Sun Feb 22, 2015 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8873

Re: What age do you guys plan to retire?

My goal is financial independence between 45 and 50. I'll see what I feel like doing once I get to that point. Yes, this is our plan, too. I'm 41 now. I think we'll get there, but I'm liking work a bit more right now and not wanting to kill the goose that lays the golden egg. Going part time - say ...
by zaboomafoozarg
Sun Feb 22, 2015 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8873
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