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Re: Gaming PC for son, buy or build?

Definitely build your own. It's a great learning experience, plus a great way to save some money and get exactly what you want.
by zaboomafoozarg
Sun Dec 21, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Gaming PC for son, buy or build?
Replies: 54
Views: 2673

Re: Federal Taxes - Sticker Shock (And how to reduce)

Another way to defers a little bit of taxes: moving some money from savings accounts (interest taxed ever year) to an I-Bond (interest only taxed when the I-Bond is sold). If you keep enough money in cash/savings that I-Bonds make sense, and have enough other assets that the mandatory 1-year holding...
by zaboomafoozarg
Sat Dec 20, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 58
Views: 4995

Re: Federal Taxes - Sticker Shock (And how to reduce)

Can you expand on this? Charitable donations are a 1:1 reduction on taxable income, yes? If so, even at a 33% tax rate, I can't see the logic behind donating $30K (arbitrary figure used as an example) to save $10K on taxes....you'd still be out $20K. Of course, I could just be missing something. Yo...
by zaboomafoozarg
Sat Dec 20, 2014 12:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 58
Views: 4995

Re: Do you travel with friends?

Nope, I usually go on vacations alone. People think it's crazy and that it is impossible to have fun by yourself, but I don't mind it at all.
by zaboomafoozarg
Fri Dec 19, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Do you travel with friends?
Replies: 42
Views: 3360

Re: WHY is retirement enjoyable / something to look forward

TheTimeLord wrote:For me every day did not begin like Saturday because I like to play golf on Saturday and being in my 50s everybody I play with was working.


I always have fun when playing golf by myself - nobody there to catch me taking mulligans! :D
by zaboomafoozarg
Wed Dec 17, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 145
Views: 9041

Re: WHY is retirement enjoyable / something to look forward

When I was a young whippersnapper at age 24, I was all gung-ho and excited about my career, and thought I'd never want to retire. By age 27 I was completely burned out and wanting to get out. :) Now with a new job things are a little better so far, but I'm still saving like crazy so that I'll have m...
by zaboomafoozarg
Wed Dec 17, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 145
Views: 9041

Re: WHY is retirement enjoyable / something to look forward

1530jesup wrote:Every day ends like it is Friday evening
Every day begins as if it is Saturday


That sounds amazing :D
by zaboomafoozarg
Tue Dec 16, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 145
Views: 9041

Re: U.S. stocks in freefall

Noobvestor wrote:
ivyhedge wrote:Our shiba inu saw Bloomberg this morning and said, "much sell". I responded, "many buy".


Image


Gonna buy those stocks with dogecoin? :D
by zaboomafoozarg
Mon Dec 15, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1067
Views: 190608

Re: At what age did you find dream job?

It took me 3 different jobs to realize there's no such thing as a dream job for me. My line of work (software development) involves a lot of in-depth thinking and planning, and brain surgery side effects have made thinking very hard at times. I can still perform the job a good level, but it causes a...
by zaboomafoozarg
Sat Dec 13, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you find dream job?
Replies: 32
Views: 2698

Re: What is a move-up car after mid-size sedan?

livesoft wrote:One is telegraphing their income, status, and all that stuff. That's why I drive a Lexus. The most important feature is the cost.


When I see someone driving a Lexus, I just think that they wasted their money :D
by zaboomafoozarg
Sat Dec 13, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4048

Re: What is the best meal you've had at a restaurant?

Ribs at Ruby Tuesday. Haven't found any that I like better, no matter how many places (chain or independent) that I eat at.
by zaboomafoozarg
Sat Dec 13, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6586

Re: Most/Least Boglehead 2014 Activity?

Most Bogleheadish: switched to a new job with better pay, better benefits... and a .02% ER on total US market in my 401k :D

Least Bogleheadish: bought over $1k worth of bronze, silver and gold coins from ancient Greece, Rome and Persia
by zaboomafoozarg
Sat Dec 13, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 88
Views: 7929

Re: You folks think the big one is coming?

No idea. If something happens before January 1st, I'll be able to buy more shares.
by zaboomafoozarg
Fri Dec 12, 2014 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5704

Re: Where to place International REIT?

I invest in VNQI in my rollover IRA, because that's where I have the space to do it. Dividends are mostly unqualified, so not going to buy in my taxable account.
by zaboomafoozarg
Fri Dec 12, 2014 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to place International REIT?
Replies: 9
Views: 946

Re: Is it safe to leave Laptop in hotel room

I have never had a problem leaving my laptop in my hotel room.

But just be aware that the staff might "inspect" it :D

https://www.youtube.com/watch?v=oulbBdmGH8o
by zaboomafoozarg
Sat Dec 06, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7995

Re: How long did your IT career last? At what age did it en

darrellr wrote:22 years in IT at this point. 20 of those in an on-call rotation. Not done yet at 46, but getting close (by my choice, megacorp remains happy with me at this time).


Wow, I hate on-call. I just recently got out of it and it has made me much happier.
by zaboomafoozarg
Sat Dec 06, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14676

Re: How long did your IT career last? At what age did it en

I'm a software developer and have worked with a good number of devs who are around 50. Haven't seen many above that age in the web app field, but plenty of them in COBOL/assembly mainframe development. My goal is to be FI by the time I'm 45 or 50, so that if someone decides I'm no longer needed, I c...
by zaboomafoozarg
Fri Dec 05, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14676

Re: U.S. stocks in freefall

nisiprius wrote:"There may come a day... but this is not that day."


This day, we relabance!
by zaboomafoozarg
Tue Dec 02, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1067
Views: 190608

Re: An overdue update from a "panicked investor"

westhermes wrote:2) Some of you are not that nice. You know who you are.


If you think this place is bad, you should try posting on reddit :D
by zaboomafoozarg
Sun Nov 30, 2014 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: An overdue update from a "panicked investor"
Replies: 86
Views: 8741

Re: I'm getting Slaughtered in stocks

TheTimeLord wrote:Totally agree. While I sold my few coins back over $1,700. I think once in their life everyone should hold a gold coin, feel the weight and think whoa this little thing is worth how much?


I just bought my first gold coin from the year 650 AD - should arrive in the mail tomorrow!
by zaboomafoozarg
Sun Nov 30, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: I'm getting Slaughtered in stocks
Replies: 43
Views: 5864

Re: Safe Withdrawal Rates - Is the 4% rule still good?

I grimace when I see posts suggesting that the current environment is different so that you should go with a 3.5% or even 3% withdrawal rate. I completely agree. There is almost a 'competition' for a race to the bottom. I see 2.5% mentioned a lot on this forum. Heck, in the article highlighted in t...
by zaboomafoozarg
Thu Nov 27, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates - Is the 4% rule still good?
Replies: 84
Views: 7968

Re: "Gold to tank in 2014: Goldman Sachs"

Jfet wrote:Ack! Based on that chart we should stay as far away from bonds as possible too! Stocks return 462x more than bonds.


All well and good if you're going to live to be 200 :D
by zaboomafoozarg
Sun Nov 23, 2014 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: "Gold to tank in 2014: Goldman Sachs"
Replies: 109
Views: 9840

Re: "Gold to tank in 2014: Goldman Sachs"

I don't mind gold tanking - I was just able to buy a Byzantine solidus from around the year 650, for less than the spot price of gold from 3 years ago.

Image
by zaboomafoozarg
Sun Nov 23, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: "Gold to tank in 2014: Goldman Sachs"
Replies: 109
Views: 9840

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I put TurboTax behind me years ago: Received this via email confirmation a few months ago. "TaxACT Online 2014 Deluxe, your Federal return is $9.99 and the State return fee is $6.00." :happy TaxAct has a good price... I could get the deluxe version CD for $29 and myself + 4 family members...
by zaboomafoozarg
Sun Nov 23, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16871

Re: Vacation in France

lifebeckonss wrote:Why do I still have this nagging feeling that this is too expensive and not very bogleheadish :(


I have the same feeling too :( I keep telling myself that I'll let myself go to Hawaii or Europe once I reach the next $100k marker. But that limit somehow keeps increasing...
by zaboomafoozarg
Sun Nov 23, 2014 1:19 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 7118

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I always buy TurboTax Home & Business for $70 or $80 off of Amazon, without any Vanguard Flagship discount, and that price doesn't seem unreasonable to me. It's certainly cheaper than the $300 I was paying to an accountant. Plus, I share my copy with siblings/parents and usually get a little mon...
by zaboomafoozarg
Sat Nov 22, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16871

Re: Side jobs or hobbies that make you money

I most appreciate the ideas where the amount earned/amount saved is very favorable compared to the expenditure of time. i think Rodney Dangerfield referred to this concept as "Easy Money". Youtube can be pretty good for that, which is why I'm exploring it further. A video took me about 5-...
by zaboomafoozarg
Thu Nov 20, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 18554

Re: Side jobs or hobbies that make you money

I started uploading videos to Youtube and monetizing them earlier this year. A couple took off and I get 30,000 views per month total, which translates to about $100 per month in ad revenue. So I've been working on creating new videos to increase that amount. It's nice because once the videos are up...
by zaboomafoozarg
Thu Nov 20, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 18554

Re: Jack Bogle: expect 7% annualized for the foreseeable fut

I really hope we get 7% nominal! I've been saving with an expectation of 0% real return for the next 20 years. If some real return actually does happen, it'll mean I can reach FI sooner than expected.
by zaboomafoozarg
Tue Nov 18, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: expect 7% annualized for the foreseeable future
Replies: 42
Views: 6725

Re: what about adding $ to poorly performing asset classes?

I've never seen evidence that rebalancing on a daily or monthly basis holds any advantage over rebalancing at longer time intervals. I have seen SOME evidence to suggest it might be better to rebalance at, say, 1 or 2 or 3 year intervals because of the momentum factor. I've seen it both ways. Somet...
by zaboomafoozarg
Sun Nov 16, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: what about adding $ to poorly performing asset classes?
Replies: 23
Views: 2637

Re: what about adding $ to poorly performing asset classes?

livesoft wrote:Isn't this called rebalancing on the fly? I thought everybody did this already.


Bah, that's too much work, I just do it in January.
by zaboomafoozarg
Sun Nov 16, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: what about adding $ to poorly performing asset classes?
Replies: 23
Views: 2637

Re: Should I have even $1 in Bonds?

Consider that a 10% drop in stocks just caused you to delay retirement. What if they drop more next year - say 30% - and you are all in stocks?
by zaboomafoozarg
Fri Nov 14, 2014 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 4268

Re: If your networth is over $3 million, how did you do it?

At my current savings amount and net worth, with a nominal return of 6%, I expect to hit $3M nominal in about 25 years (somewhere between 55 and 60 years old). It takes a lot of sacrifice to save that amount though, at least right now. Sometimes I wonder if it's worth it. I'm considering cutting bac...
by zaboomafoozarg
Thu Nov 13, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33458

Re: Exxon Mobil - DRIP

livesoft wrote:Image


Hadooouken!
by zaboomafoozarg
Sun Nov 09, 2014 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exxon Mobil - DRIP
Replies: 4
Views: 677

Re: Poll: What is your Bond Allocation %?

Munir wrote:
Kalo wrote:Also am in Total S/T Bond Index instead of Intermediate.

Kalo


What is "Total S/T Bond Index?"


S/T = short term

https://personal.vanguard.com/us/funds/ ... IntExt=INT
by zaboomafoozarg
Sat Nov 08, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Poll: What is your Bond Allocation %?
Replies: 93
Views: 12209

Re: 22, I want to be rich, looking for a high reward fund

It definitely does not make any sense and is not rational. The utility of money does not fall off until a much higher number than a lousy $50k. Another way of looking at it is this. Why would you want more money to spend in your 80s than in your 20s? Some people just don't want or need to spend thr...
by zaboomafoozarg
Sat Nov 08, 2014 1:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6470

Re: Sitting on the fence to retire...

HoosierJim wrote:Run some scenerios yourself at Firecalc


Or cfiresim.com - I find that one is easier to view and edit, because it puts everything on a single page.
by zaboomafoozarg
Thu Nov 06, 2014 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Sitting on the fence to retire...
Replies: 21
Views: 2026

Re: iBonds at zero % fixed

If someone has $10k free in a savings account that they could afford to not access for 1 year, I see no reason not to buy I-Bonds (or perhaps a CD).
by zaboomafoozarg
Wed Nov 05, 2014 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9354

Re: iBonds at zero % fixed

This is not political but I believe a reason to buy or not buy ibonds at the current level.Here is my reality and my facts living in the Bay Area.I bought my house 5 years ago for 465K and you can buy it today for 675k.My health insurance has almost doubled from about 550 to 950.5 years ago you cou...
by zaboomafoozarg
Wed Nov 05, 2014 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9354

Re: iBonds at zero % fixed

Sometimes I wonder if I'm the only one who has a need for my portfolio to grow. Investors really are faced with two poor choices- increase risk or settle for merely keeping up with inflation and save more. Same here. Sometimes I really wish that I had been born 20 years earlier. Then again, stagfla...
by zaboomafoozarg
Mon Nov 03, 2014 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9354

Re: Making 8 "horrible" investments will beat the index, rig

EmergDoc wrote:Why not buy some GTAT?

http://whitecoatinvestor.com/putting-al ... ne-basket/


My post made it onto to WCI?! Scratch one off the bucket list! :D
by zaboomafoozarg
Mon Nov 03, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: Making 8 "horrible" investments will beat the index, right?
Replies: 35
Views: 3888

Re: Investing in Art, Antiques, and Collectibles and wines

I invest in ancient bronze/silver/gold coins, but only because I enjoy owning tangible and affordable pieces of history that are 2000+ years old. I keep track of the price paid, but have no expectation of selling them or making a profit on them.
by zaboomafoozarg
Sun Nov 02, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Art, Antiques, and Collectibles and wines
Replies: 53
Views: 4077

Re: VGPMX: anyone contrarian enough to buy it?

market timer wrote:I bought miners the last two days of last week with about 10% of my portfolio:

...

This was investment without much thought or reason behind it.


Allocating 10% of a portfolio without much thought or reason? :confused

Well, I guess that's better than 100% :D
by zaboomafoozarg
Sun Nov 02, 2014 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 79
Views: 10460

Re: Oil and Gas investments

futureman wrote:Basically sounds like an illiquid investment


Oil is one of the most liquid investments you can buy!

(thank you, I'm here all night)
by zaboomafoozarg
Sun Nov 02, 2014 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Oil and Gas investments
Replies: 15
Views: 1303

Re: Career Advice for an Unhappy Young Doctor?

she says she still feels totally stressed out and unhappy and doesn't want to go to work every day. Welcome to the real world. Exactly. I've been mostly stressed out and unhappy with work since I started working, and 3 jobs later that hasn't changed. I realize now that the best course of action is ...
by zaboomafoozarg
Sun Nov 02, 2014 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13619

Re: Shiller PE10 - by the numbers

So, time to rebalance your portfolio?
by zaboomafoozarg
Sat Nov 01, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 - by the numbers
Replies: 26
Views: 2814

Re: Should I buy more REITs?

You have an investment strategy which is a recipe for a 6 car train pile up at some point. Likely at the next stock market crash, but who knows? Well to be fair, he did put newb in the name :D I agree though. If OP thinks dips of 5%-10% are bad, what happens if REITs drop by 70% like they did a few...
by zaboomafoozarg
Thu Oct 30, 2014 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5073

Re: Your Thoughts on my Portfolio

You have a < 1.5% withdrawal rate. You should be free and clear no matter what your AA is.
by zaboomafoozarg
Mon Oct 27, 2014 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your Thoughts on my Portfolio
Replies: 16
Views: 1364

Re: Should I buy more REITs?

Ged wrote:
John3754 wrote:What does your IPS say?


Probably something like 'start another Boglehead thread to see what they say'.


The Wisdom and/or Madness Of Crowds AA strategy :D
by zaboomafoozarg
Mon Oct 27, 2014 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5073

Re: Should I buy more REITs?

InvestorNewb wrote:Should I buy more VNQ shares even though they have done really well this year?


You should buy more of whatever in your target allocation did the worst.
by zaboomafoozarg
Mon Oct 27, 2014 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5073
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