Search found 1063 matches

Return to advanced search

Re: 'Play Money' - why 5%?

nisiprius wrote:Alternatively, we think 5% is an allowable loss because we have 20 digits total and we can survive the loss of a finger or toe fairly well.


Not a big toe! You'll lose your balance.
by zaboomafoozarg
Sun Sep 28, 2014 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1582

Re: 'Play Money' - why 5%?

There doesn't have to be a reason for everything.
by zaboomafoozarg
Sun Sep 28, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1582

Re: [S&P is down 1.3% !!!]

pennstater2005 wrote:I don't consider myself a sitting duck.


Yeah, neither do I. I just pick an asset allocation that I can live with, keep putting money in, and tune out the noise.

pennstater2005 wrote:And I'm not sure what "times like this" means.


That's what caused me to ask the question, haha.
by zaboomafoozarg
Thu Sep 25, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4719

Re: [S&P is down 1.3% !!!]

dgdevil wrote:For sure, but one does not need to be a sitting duck at times like this in the market.


What should one do to avoid being a sitting duck?
by zaboomafoozarg
Thu Sep 25, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4719

Re: The Mega Backdoor Roth IRA

Not a problem. You can just write a replacement check and roll it into your Roth IRA. Since the amount is small enough to be confused with a regular Roth IRA contribution, be sure the Roth custodian codes it as a rollover contribution. This will be very easy to report on your tax return. Without th...
by zaboomafoozarg
Thu Sep 25, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 158
Views: 22807

Re: Investing in Europe

VXUS will give you Europe, plus the rest of the non-US world too. VGK is just Europe. I don't split my international up into Europe/Pacific/Emerging, but I know some people do (Rick Ferri advocated it in one of his books). Just don't expect to make a quick buck off of it. Europe's been having proble...
by zaboomafoozarg
Thu Sep 25, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Investing in Europe
Replies: 4
Views: 423

Re: Dave Ramsey: The Legacy Journey

The guy makes a killing selling common sense and basic financial math.
by zaboomafoozarg
Wed Sep 24, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 5315

Re: VNQI name anomaly on Google Finance

livesoft wrote:We all work for Google, so we will fix that for you right away. Maybe you should e-mail somebody who actually does work for Google Finance? That might be more productive and would get things fixed for the rest of us.


C'mon livesoft, you don't have to be sarcastic ALL the time. :D
by zaboomafoozarg
Wed Sep 24, 2014 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: VNQI name anomaly on Google Finance
Replies: 8
Views: 740

Re: It's pretty freaky watching your stocks go up & down all

I don't consider this money to be mine now anyway, it's for myself in 20+ years. So the current valuation doesn't matter as much. The less it costs, the more I can buy.
by zaboomafoozarg
Wed Sep 24, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 5405

Re: The only risk of leverage is selling at the bottom

So if you like leverage, use it and let us know how it goes. I'd be interested to hear what the effect is in a moderate bear market.

I'm still not doing it though. 75% stocks is enough for me, without the leverage.
by zaboomafoozarg
Tue Sep 23, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: The only risk of leverage is selling at the bottom
Replies: 46
Views: 1516

Re: VNQ dividend [Vanguard REIT - ETF]

I think they publish them after EOD of the listed date. So you'd be able to see them tomorrow, or maybe late tonight.
by zaboomafoozarg
Mon Sep 22, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: VNQ dividend [Vanguard REIT - ETF]
Replies: 6
Views: 1003

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: 128
Views: 8098

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: 128
Views: 8098

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: 158
Views: 22807

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: 158
Views: 22807

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: 7919

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: 6306

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: 950

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: 6888

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: 4160

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: 4160

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: 6014

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: 3637

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: 9943

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: 12272

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: 9943

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: 12272

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: 9943

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: 12272

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: 12272

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: 369

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: 5914

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: 2200

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: 2249

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: 480

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: 480

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: 480

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: 699

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: 16151

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: 16151

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: 4441

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: 136843

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: 22837

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: 136843

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: 136843

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: 22837

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: 22837

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: 2229
Next

Return to advanced search