Search found 1038 matches

Return to advanced search

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: 143
Views: 7954

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: 49
Views: 4526

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: 143
Views: 7954

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: 49
Views: 4526

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: 143
Views: 7954

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: 143
Views: 7954

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: 353

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: 75
Views: 3412

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: 1991

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: 2202

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: 601

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: 477

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: 477

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: 477

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: 624

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: 15861

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: 15861

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: 4311

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: 135572

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: 22526

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: 135572

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: 135572

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: 22526

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: 22526

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: 2199

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: 1485

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: 1485

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: 1485

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: 855

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: 891

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: 5766

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: 5766

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: 5154

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: 6044

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: 747

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

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

Phineas J. Whoopee wrote:Really? The entire (future) history of the Earth? From 2000 on? All your other time periods ended. This one won't? :happy
PJW


I bet nothing is quite as disappointing as living during the end of a time period.
by zaboomafoozarg
Wed Jul 23, 2014 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Predict: S&P Doubles or Halves First?
Replies: 36
Views: 2720

Re: I'm a genius!

You write a book and I'll buy it!

(note: printing out posts from bogleheads.org and stapling them together doesn't count as a book :D )
by zaboomafoozarg
Mon Jul 21, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: I'm a genius!
Replies: 19
Views: 5210

Re: What to do in a market correction

Those all sound like good what-to-dos if you are in or near retirement. I am still accumulating so wouldn't do #1 or #3.

I do have some extra cash that I would probably invest, per #5. Right now it's part of my emergency fund, but that's about double the size I need it.
by zaboomafoozarg
Sun Jul 20, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 3149

Re: What to do in a market correction

livesoft wrote:I'm going to add more penguin to my asset allocation in the next market correction.


What's the correlation coefficient between penguin and other major asset classes?
by zaboomafoozarg
Sun Jul 20, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 3149

Re: Should I use margin to buy a balanced fund?

Khanmots wrote:I think market timer's old thread should be required reading for anyone looking to use leverage.


That thread belongs in the Thread Hall of Fame.
by zaboomafoozarg
Sun Jul 20, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 322
Views: 22198

Re: Faber: S&P 500 an Active Fund in Drag

The diffference between --impure indexing, the S&P 500 (Vanguard 500 Index Fund, VFINX, blue) and --pure indexing, (Vanguard Large-Cap Index Fund, orange) is fingerbreadths. The difference between either of them and --Faber's Global Tactical ETF, GTAA (green) is cubits. http://s23.postimg.org/i...
by zaboomafoozarg
Sun Jul 20, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Faber: S&P 500 an Active Fund in Drag
Replies: 45
Views: 3612

Re: Nuts and bolts - In-Service After Tax Rollover to Roth I

Do you contribute 43.5K to the 401k (17.5 pretax and 26k after tax) and then roll the whole after tax piece to the IRA? That is correct. Of the few employers that make this type of rollover possible, the after-tax amounts they allow vary. My employer allows a maximum of 10% of salary to be contribu...
by zaboomafoozarg
Thu Jul 17, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nuts and bolts - In-Service After Tax Rollover to Roth IRA
Replies: 17
Views: 1191

Re: Parents are behind. Total asset allocation advice (56 &

Both parents are ceasing 401k contributions in favor of Traditional IRA contributions. Be very careful here. I THINK that if you are covered by a 401k then you cannot deduct your Traditional IRA contributions. I found the IRS document in the past to back this up but I cannot find it now. Can someon...
by zaboomafoozarg
Thu Jul 17, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Parents are behind. Total asset allocation advice (56 & 51)?
Replies: 26
Views: 3578

Re: Millennials (with jobs) are super-saving their retiremen

I try to save a lot because of articles like Berstein's "Retirement Calculator from Hell": http://www.efficientfrontier.com/ef/103/hell4.htm Things seem like they are bound to get worse, not better, and as Berstein says: The X-ers, and those coming after, will have a much harder time of it...
by zaboomafoozarg
Wed Jul 16, 2014 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9584

Re: [Poll] Are you more risk averse than average?

Yeah, I think so. At least indicated by all the 100% stock threads. I won't go below 25% or higher than 75%, so right now I'm at 75/25 stocks/bonds. At the age of 30, that probably puts me among some of the highest bond allocations for my age band. Suits me just fine though. Planning to increase bon...
by zaboomafoozarg
Sun Jul 13, 2014 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Are you more risk averse than average?
Replies: 36
Views: 2754

Re: What after-tax income could you live on today?

I usually spend about $25k each year (unless I make a big purchase like a car, which is an every 10 year thing).

Over $90k is the most popular option? Didn't realize so many people here were living the high life! :D
by zaboomafoozarg
Sun Jul 13, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5139

Re: List of Worst financial advice (what not to do):

VictoriaF wrote:The worst financial advice is to focus on finances to the detriment of everything else, especially health and happiness.

Victoria


Oops :(
by zaboomafoozarg
Thu Jul 10, 2014 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16258

Re: Age of Bogleheads with HSA/HDHP

I just started an HSA this year and was planning to use it as a stealth IRA, but I appear to be on the verge of switching to a new job that only has a low-deductible health plan. Ah well, I got a couple thousand into it at least.
by zaboomafoozarg
Thu Jul 10, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age of Bogleheads with HSA/HDHP
Replies: 15
Views: 2087

Re: When do you "limit" saving and start to spend more?

I never limit saving, I limit spending and save everything that I didn't spend.

My spending hasn't gone up (aside from inflation and a couple of larger necessary purchases) since I graduated from college. This has allowed me to save 4x as much as I was able to just a few years ago.
by zaboomafoozarg
Wed Jul 09, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you "limit" saving and start to spend more?
Replies: 39
Views: 4002
Next

Return to advanced search