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Re: AliBaba

BornInCA wrote:I wonder how those who bought Facebook at IPO day fared :?:


FB is over 2x the IPO price right now, so people who stuck with it have fared OK thus far. It stayed at about 50-60% of IPO price for over a year though, so not so good for people looking to make a quick buck.
by zaboomafoozarg
Fri Sep 19, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 72
Views: 3521

Re: AliBaba

SuperSaver wrote:Put your $1000 in BABA Monday, and thank me in 3y


If it has underperformed the market in 3 years, can I fire you? :D

I'm not buying, too much of a hassle.
by zaboomafoozarg
Fri Sep 19, 2014 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 72
Views: 3521

Re: The Mega Backdoor Roth IRA

Sounds like you received a separate check for the 2k, which instead of being the after tax sub account balance, is just your basis in the entire plan. If you are still within 60 days of receipt you could still roll it to a Roth IRA and as an after tax rollover you could pull it out of the Roth for ...
by zaboomafoozarg
Thu Sep 18, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 144
Views: 20818

Re: The Mega Backdoor Roth IRA

I fully meant to do a backdoor Roth IRA rollever with my after-tax 401k contributions, but transitioned jobs at an unexpected time. Since I only had $2k of after-tax 401k contributions, it didn't seem worth the hassle to try to move it to a Roth IRA. So I'm just keeping it in taxable.
by zaboomafoozarg
Thu Sep 18, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 144
Views: 20818

Re: Why should young people invest in bonds at all?

I hold bonds to decrease risk, not to increase return. I don't expect it to increase return - it almost certainly won't.
by zaboomafoozarg
Tue Sep 16, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why should young people invest in bonds at all?
Replies: 87
Views: 7847

Re: How much you need to save as multiple of salary

Whoa, been a long time since I saw this thread!

Multiple of salary doesn't make as much sense as multiple of spending.

Shoot, I didn't realize that I'm currently at 9x spending. Only 3.5x salary though.
by zaboomafoozarg
Mon Sep 15, 2014 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 51
Views: 6226

Re: VDE [for 5% "casino money"?]

Funkey wrote:What ever happened to the Munchkin Man? I really like his writing style. Shows some real pzazz.


Not sure, but I miss that guy too.
by zaboomafoozarg
Sun Sep 14, 2014 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: VDE [for 5% "casino money"?]
Replies: 11
Views: 934

Re: Did you reveal to your kids...your savings and salary

I know what my parents make, they know what I make. They shared this from a young age (under 10). Now I help them with their taxes too, so I see the amounts on forms. I never understood why some people keep it a secret from their immediate family. Of course, as a child I knew better than to tell peo...
by zaboomafoozarg
Sat Sep 13, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 6830

Re: Angry when stock market is down

What would you do if stocks dropped 25% in a few months? Which will happen, someday.
by zaboomafoozarg
Fri Sep 12, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 3946

Re: Angry when stock market is down

Nope, LOL

But I have bonds.
by zaboomafoozarg
Fri Sep 12, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 3946

Re: Why COULDN'T we just retire on Social Security?

I've seen my grandparents try to do it, and it's pretty stressful, so no thanks.
by zaboomafoozarg
Thu Sep 11, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 5955

Re: Poll: Cash Holdings

About 20%. I have a pretty big emergency fund, and am also saving for a house.
by zaboomafoozarg
Sun Sep 07, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3617

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

Browser wrote:But it does illustrate the importance of investing as much as you can into stocks as early as you can in your working career. So Amigos - forego that Bimmer, the trips to Las Vegas, and the 5-bdrm 4 bath McMansion and buy more stocks while you are still young and dumb!


That's the goal! :D
by zaboomafoozarg
Tue Sep 02, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 67
Views: 9866

Re: A Low-Return Future? Are We Prepared?

I would hope that no boglehead is saving to retire on the bare minimum. I hope the goal is to have some fun in retirent. Frequent vacations, eating healthy, some fun toys. I don't plan to spend any more money in retirement than I do now. However, I do plan to spend way more time doing stuff I actua...
by zaboomafoozarg
Sun Aug 31, 2014 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12148

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

livesoft wrote:Now I am embarassed by my great starting salary and that of my spouse.


"embarassed" :D

I have some classmates in an engineering program (electrical) who started at mid-to-high 30's in 2004.
by zaboomafoozarg
Sun Aug 31, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 67
Views: 9866

Re: A Low-Return Future? Are We Prepared?

LongerPrimer wrote:So, What is the answers to: A High-Return Future. Are we prepared?
:mrgreen:


That's an easy problem to prepare for :D
by zaboomafoozarg
Sun Aug 31, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12148

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

Interesting, I've never seen the amounts in terms of average pay percentages.
by zaboomafoozarg
Sun Aug 31, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 67
Views: 9866

Re: A Low-Return Future? Are We Prepared?

1+ The future is of course unknown and unknowable. On the other hand isn't it better to try to prepare for what looks from here to be a likely but pessimistic outcome. If you're wrong and future returns are better, you have choices. It's not so bad having too much money. You can always take your fo...
by zaboomafoozarg
Sat Aug 30, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12148

Re: A Low-Return Future? Are We Prepared?

I do think things are not going to be nearly as good as they were in the past. As a result, I save 40%-50% of my income for retirement. If returns are better than expected then I'll be happy, but I want to be prepared in case they are mediocre or terrible.
by zaboomafoozarg
Thu Aug 28, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12148

Re: web app to backtest CAPE-based tilting strategy

What does changing the vertical limits do?
by zaboomafoozarg
Wed Aug 27, 2014 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: web app to backtest CAPE-based tilting strategy
Replies: 3
Views: 367

Re: Motif Investing - own the S&P500 for less

Do it OP! Would be interested to see how it works out. Unfortunately I am too lazy to try it :)
by zaboomafoozarg
Wed Aug 27, 2014 7:57 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 91
Views: 5311

Re: What if there were only index funds?

Are you talking about a single whole-market index, or does your scenario include other indexes like small value? I think that having multiple index types would increase efficiency, even if everything was pretty much in indexes.
by zaboomafoozarg
Sun Aug 24, 2014 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 23
Views: 2188

Re: Why do we tip restaurant servers?

It's just a weird thing we do in America. I solve it by just almost never eating at a sit-down restaurant (maybe once or twice a year). When a tip is expected, I usually add 10 percent.
by zaboomafoozarg
Fri Aug 22, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2236

Re: Best strategy with 401K

.46% is not bad, I would say it's worth it to max that out since that is likely the only pre-tax space you can get (aside from maybe an HSA). You could likely also use the Roth IRA, but there is probably no way you'd be able to use a traditional IRA in the 28% tax bracket. I'm in the 25% bracket and...
by zaboomafoozarg
Wed Aug 20, 2014 7:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Best strategy with 401K
Replies: 7
Views: 608

Re: Selling VSS in taxable to move to IRA?

Some of this will depend on what you put into the 401k. Have you decided that yet? Yeah, it is a great 401k (all index funds with ERs between .02 and .10), so I am doing the following there: 45% total US stocks 25% total U.S. bonds 20% developed international stocks 5% emerging market stocks 5% US ...
by zaboomafoozarg
Sun Aug 17, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling VSS in taxable to move to IRA?
Replies: 5
Views: 479

Re: Selling VSS in taxable to move to IRA?

Your considerations are all valid. However, unless you provide the information about your whole portfolio, it is impossible to address your question. My gut feeling based on the current limited information is that selling your equity fund in taxable account does not sound right. True, it's been a w...
by zaboomafoozarg
Sun Aug 17, 2014 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling VSS in taxable to move to IRA?
Replies: 5
Views: 479

Selling VSS in taxable to move to IRA?

I never had an IRA with enough money in it to buy all the VSS required by my AA, so I purchased some in taxable a couple years ago. However, I just opened a rollover IRA at Vanguard so I now have plenty of IRA space. As a result, I am debating selling the VSS in taxable (currently with $1k in mostly...
by zaboomafoozarg
Sat Aug 16, 2014 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling VSS in taxable to move to IRA?
Replies: 5
Views: 479

Re: I got my invitation to open a wisebanyan account

Only $5 million in asset managed? Jeez, that's tiny.
by zaboomafoozarg
Tue Aug 12, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: I got my invitation to open a wisebanyan account
Replies: 5
Views: 675

Re: The Worst Investment You Can Make: Buying a Home

goodenyou wrote: Sometime one can Over-Bogle their decisions. Home ownership is emotional.


We need a way to model the monetary value of emotions :D
by zaboomafoozarg
Sat Aug 09, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16067

Re: The Worst Investment You Can Make: Buying a Home

The house prices in the article are crazy where I live - $350k would be a huge lux house, or something with 50-100 acres. I'm looking for something in the $70-$120k range.
by zaboomafoozarg
Sat Aug 09, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16067

Re: Who or what inspired you and your investing approach?

This forum, found randomly by a Google search. Monetarily I think it is one of the luckier breaks I have gotten.
by zaboomafoozarg
Thu Aug 07, 2014 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4422

Re: U.S. stocks in freefall

baw703916 wrote:Was evidence finally uncovered that provide or disproved the 3-factor Model, and resolved interminable discussions on Bogleheads?


I felt a great disturbance in the Forum, as if millions of voices suddenly cried out in terror, and were suddenly silenced.
by zaboomafoozarg
Tue Aug 05, 2014 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 136422

Re: Dave Ramsey still defending 12% and still angry at "nerd

I never said it was 12%, I'm unsubscribing from this wretched post, you guy have fun with your Ramsey villain! And you have fun with your Ramsey hero :D Just exercise caution if you expect an 8% withdrawal rate to be safe. Sometimes predictions are useful, such as when they show that withdrawal rat...
by zaboomafoozarg
Tue Aug 05, 2014 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22772

Re: U.S. stocks in freefall

Lots of Bogleheads seem to simultaneously hold the following contradictory views: (1) You can't time the market. (2) When stocks fall, it's a great time to buy. Well, it is a better time to buy than when prices were higher (unless they go to $0). I was j/k about my IPS though, I only buy taxable an...
by zaboomafoozarg
Tue Aug 05, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 136422

Re: U.S. stocks in freefall

My IPS tells me to buy every time this thread is bumped.
by zaboomafoozarg
Tue Aug 05, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 136422

Re: Dave Ramsey still defending 12% and still angry at "nerd

rkatz0 wrote:If Mr Ramsey brings it down from 12% to 4.5% will you be happy and non-vehement then?!


Yes, that would be a more realistic rate of return to use when performing retirement planning.
by zaboomafoozarg
Mon Aug 04, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22772

Re: Dave Ramsey still defending 12% and still angry at "nerd

Abe wrote:I lost respect for him after I saw this:

https://www.youtube.com/watch?v=6E0FVr0Uzf0#t=65


I lost respect for him since he's acted like a jerk in pretty much everything of his that I've watched or listened to.
by zaboomafoozarg
Sun Aug 03, 2014 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22772

Re: Tilters: how much would you pay for a tilt?

I just ran into a situation that reminded me of this thread. My new job has a 401k which doesn't offer SCV, but does have a total US market fund for a whopping .02% ER. That's .35% cheaper than the DFA SCV fund I currently use in my old 401k... and I only voted .2% to .3% on this poll. Decisions, de...
by zaboomafoozarg
Sun Aug 03, 2014 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: Tilters: how much would you pay for a tilt?
Replies: 21
Views: 2227

Re: How to handle a company that won't honor a warranty?

I'm assuming you didn't buy treadmill directly from manufacturer. Dealer would have more leverage with manufacturer than a single consumer. Have you tried contacting your dealer as well? If still no resolution, as a next step, you can complain about dealer's lack of support on sites such as Yelp, a...
by zaboomafoozarg
Tue Jul 29, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: How to handle a company that won't honor a warranty?
Replies: 23
Views: 1497

Re: How to handle a company that won't honor a warranty?

Please provide a link to the product's warranty information online (or, the product), that would help clarify. Here is a link to the warranty page scanned from the product manual: http://i.imgur.com/PxKivs6.jpg . It is a Smooth Fitness 7.6 HR Pro treadmill. And thanks everyone for all the suggestio...
by zaboomafoozarg
Tue Jul 29, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: How to handle a company that won't honor a warranty?
Replies: 23
Views: 1497

How to handle a company that won't honor a warranty?

I'm trying to see if I can get a free replacement part for my under-warranty treadmill, but not having much luck so far. The treadmill is 4 years into a 5 year warranty on parts & electronics, and a month ago some of the buttons on the console stopped working so you can't actually start the trea...
by zaboomafoozarg
Tue Jul 29, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: How to handle a company that won't honor a warranty?
Replies: 23
Views: 1497

Re: The Best Health Savings Account Custodians?

Where I was previously employed, you had to use the employer's official HSA if you wanted that money to be deducted from SS and Medicare taxes as well as income tax. So I used HealthEquity, but their investment choices weren't very good. From what I've read, people think that HSA Administrators and ...
by zaboomafoozarg
Tue Jul 29, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: The Best Health Savings Account Custodians?
Replies: 4
Views: 863

Re: Bank account to teach kids

rkhusky wrote:
flyingbison wrote:Unless you are talking about large sums of money, why bother with a bank at that age. Just set up a spread sheet and you can be the bank.

This is what I do and I pay 5.25% interest, just like I used to get.


Are you accepting deposits?! :D
by zaboomafoozarg
Mon Jul 28, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank account to teach kids
Replies: 17
Views: 896

Re: Do any boggleheads invest in individual companies?

bberris wrote:NIce! Do you just call Geico to get the discount?


Yep, I couldn't find a way to do it online, so I just called them and they gave me the discount. That was a couple years ago, and by now the discount has just about paid for the share I bought.
by zaboomafoozarg
Mon Jul 28, 2014 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5820

Re: Do any boggleheads invest in individual companies?

I own 1 share of BRK.B, just to get the 8% discount on my Geico bills :D In 2009/2010, I did invest in several companies which I thought would rebound faster than the whole market - Ford, Bank of America, Harley Davidson, Citibank, American Capital. 3 years later, the market had outperformed my sele...
by zaboomafoozarg
Mon Jul 28, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5820

Re: Vanguard eliminates transaction fees on Int'l small cap

livesoft wrote:This will probably mean that VSS will trade closer to the NAV, too. Maybe that's why VSS closed up today when others closed down. :)


I hope so, that bid/ask spread was basically adding the mutual fund purchase fee onto VSS.
by zaboomafoozarg
Sun Jul 27, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5190

Re: Reaching Severe Burnout - Can I Scale Back Career?

My plan was always to keep gunning it until we had a 500K net worth, and then scale back to something that ideally I actually enjoy. Just this year, we reached a net worth of $600K ($350 tax deferred, $250 taxable, no home ownership). Years ago I thought this would be enough but now that I'm there ...
by zaboomafoozarg
Thu Jul 24, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 50
Views: 6103

Re: Over-contributing to 401k

Figuring it out myself might be tedious. I'm trying to figure out how looking at two paychecks and adding one number from each would be tedious. Perhaps it is though. Nope, not tedious. I'm switching jobs as well, and just figured out the new percentage I'd need using Google as a calculator. 17500 ...
by zaboomafoozarg
Thu Jul 24, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-contributing to 401k
Replies: 4
Views: 751

Re: Predict: S&P Doubles or Halves First?

Just wait until shortly before the Big Rip! The distance from your brain to your toes will be so far, and will be inflating so rapidly, that even if nerve impulses traveled at the speed of light, which they don't, no informational round trip will be possible. So long, toes! PJW I actually just read...
by zaboomafoozarg
Wed Jul 23, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Predict: S&P Doubles or Halves First?
Replies: 36
Views: 2720
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