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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: 38
Views: 1954

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: 4216

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: 1904

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: 7854

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: 105
Views: 4895

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: 2740

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: 7854

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: 4672

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: 68
Views: 3942

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: 72
Views: 4487

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: 3326

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: 7687

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: 7687

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: 5467

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: 8588

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: 8588

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: 5467

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: 8588

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: 8588

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.
by zaboomafoozarg
Sun Feb 22, 2015 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8588

Re: What video games are you currently playing?

surfer1 wrote:Just finished Legend of Grimrock II. Excellent game. It's an RPG / might and magic / dungeon crawler. Lots of puzzles and plain old monster slaying.


I forgot, I still have to beat that! I got stuck a couple months ago and stopped playing.
by zaboomafoozarg
Thu Feb 19, 2015 11:42 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 161
Views: 9163

Re: Easy Money

bhsince87 wrote:
Devil's Advocate wrote:So since inflation is essentially non existent why do we all complain about the low interest rate environment?


Because people like to complain?


When people stop complaining, that's when you know you've hit the peak.
by zaboomafoozarg
Wed Feb 18, 2015 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: Easy Money
Replies: 18
Views: 1833

Re: What video games are you currently playing?

I waste far too much time playing TF2. It's a good fun stress-reliever, but I should probably spend most of that time making money or doing something productive instead.
by zaboomafoozarg
Wed Feb 18, 2015 10:58 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 161
Views: 9163

Re: Rental Car Prices - is this the new normal ?

National Car & Enterprise have a deal for Florida drive-outs from 4/1 to 5/31. If you rent a car from almost anywhere in Florida and drive it back to another state, your rental only costs $9.99 per day (plus taxes/fees). I just lined up a 10-day full-size car rental from Miami airport in April f...
by zaboomafoozarg
Wed Feb 18, 2015 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 7851

Re: The 8x retirement savings rule

Most retirees I know had about 4x or 5x of their salary at retirement, and are doing just fine. Not living extravagantly by any means (no out-of-state trips, no new cars, etc), but not lacking income for the things they need. But people on this forum generally have loftier goals. I am shooting for 1...
by zaboomafoozarg
Wed Feb 18, 2015 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7759

Re: Grexit ?

Sounds like a rock 'n roll band.
by zaboomafoozarg
Mon Feb 16, 2015 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Grexit ?
Replies: 24
Views: 1741

Re: New Lexus NX Not an Economy Bargain

Well, "economy" and "bargain" are both antonyms of "luxury", and Lexus is synonymous with "luxury", so I guess that's to be expected.
by zaboomafoozarg
Sun Feb 15, 2015 10:03 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3036

Re: Your Future According to Yale Star Robert J. Shiller

It's always nice to run into somebody who can so cavalierly dismiss someone else's lost job as "dead end". It's true though. There's plenty of people whose jobs are clearly not going to be around in the future, more all the time. If companies can find cheaper replacements of satisfactory ...
by zaboomafoozarg
Sat Feb 14, 2015 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: Your Future According to Yale Star Robert J. Shiller
Replies: 86
Views: 10177

Re: VSS- International Small Cap

When EM has another run like it did in 2003-2007, it'll be good to have around.
by zaboomafoozarg
Sat Feb 14, 2015 8:52 am
 
Forum: Investing - Theory, News & General
Topic: VSS- International Small Cap
Replies: 13
Views: 1288

Re: Plan of attack for a Mega Backdoor Roth

Why not roll the gains (if any) into the Roth IRA as well?
by zaboomafoozarg
Thu Feb 12, 2015 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Plan of attack for a Mega Backdoor Roth
Replies: 9
Views: 819

Re: Day trading and capital gain tax nightmare

okay then, stock1 at 100k, win 5% = 105k stock2, lose 5% = 99.75k stock3. win 5% = 104.73k net income 4.73k. I'll be paying 25% of 4.73k as my tax? If stock1, stock2 and stock3 are all different stocks held for less than 1 year, then yes. But if stock2 is the same as stock1 or stock3 and you sold s...
by zaboomafoozarg
Thu Feb 12, 2015 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Day trading and capital gain tax nightmare
Replies: 37
Views: 2959

Re: Boglehead indulgences?

Bai5 low-calorie caffeinated energy drink.

I LOVE the stuff and drink it now instead of Mt. Dew - but I'm probably wasting about $300 a year just on those drinks alone :(
by zaboomafoozarg
Thu Feb 12, 2015 11:54 am
 
Forum: Personal Consumer Issues
Topic: Boglehead indulgences?
Replies: 12
Views: 1504

Re: Anticipating the pain [of one day portfolio drop]

Prague wrote:There is just too much unethical manipulation for me to blindly put money into it.


Maybe you are confusing randomness with unethical manipulation.
by zaboomafoozarg
Sat Feb 07, 2015 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Anticipating the pain [of one day portfolio drop]
Replies: 25
Views: 2813

Re: Boston Must See Sites and Bites

I loved the Freedom Trail as well as Pizza Regina. Only had one day there, but would love to go back with several some day.

The traffic is crazy though, compared to any other city I've driven in before.
by zaboomafoozarg
Sat Feb 07, 2015 1:04 am
 
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 2401

Re: Health Insurer, Anthem, Hacked

I was insured by Anthem last year... trying to decide whether or not to freeze the credit. Never really considered it before.
by zaboomafoozarg
Thu Feb 05, 2015 10:44 am
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8028

Re: Should we all invest in hedge funds?

One reason I do not want to invest in a hedge fund:

http://www.bogleheads.org/forum/viewtop ... 0&t=156250
by zaboomafoozarg
Thu Feb 05, 2015 9:06 am
 
Forum: Investing - Theory, News & General
Topic: Should we all invest in hedge funds?
Replies: 20
Views: 1425

Re: POLL: How Will You Complete Your 2014 Taxes?

I have always bought the Home & Business desktop version of TurboTax and split it between 4 or 5 people. That way it only costs me about $20.
by zaboomafoozarg
Sun Feb 01, 2015 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4767

Re: Rental Car Prices - is this the new normal ?

Search for the National Car Rental + Dutch Airline/KLM deal. Joining a club for free and then using said club membership to get very good car rental deals at National has worked for me for the past 4-5 years.
by zaboomafoozarg
Fri Jan 30, 2015 6:54 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 7851

Re: "Retiring in a Low-Return Environment"

When I read these articles, sometimes it feels like I'm going to have to save 50% of my income from 25 to 65 just to afford retirement.
by zaboomafoozarg
Thu Jan 29, 2015 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: "Retiring in a Low-Return Environment"
Replies: 71
Views: 7340

Re: Workplace net worth conversations you'd like to avoid?

I just say, "Yeah, man, I know what you mean." I keep saying this as long as necessary to end or escape the conversation.
by zaboomafoozarg
Thu Jan 29, 2015 12:04 am
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 87
Views: 9330

Re: What age did you move out?

bottlecap wrote:If you live with your parents after high school, then you're that dude.

You move out, even if you have to bunk with friends.

JT


I don't mind being That Dude if it means that both I and my parents can save more money.
by zaboomafoozarg
Wed Jan 28, 2015 11:51 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5177

Re: What age did you move out?

Still living at home, early 30's. It's financially beneficial for both my parents and myself. Will probably find a place in the next couple years, but am in no hurry.

I did live on my own for a few years in college though.
by zaboomafoozarg
Wed Jan 28, 2015 11:49 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5177

Re: VNQ & VNQI

My overall stock allocation is 67% US, 33% ex-US. So I hold roughly 6.7% VNQ and 3.3% VNQI.
by zaboomafoozarg
Wed Jan 28, 2015 11:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: VNQ & VNQI
Replies: 9
Views: 1050

Re: Are any US-only investors having 2nd thoughts?

LAlearning wrote:Only Newb would base his decisions over 27 days of data. :oops:


Once a newb, always a newb.

That's exactly what I was thinking - if a 3% difference in performance in less than 1 month makes you have 2nd thoughts, you have a LOT to learn.
by zaboomafoozarg
Tue Jan 27, 2015 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 44
Views: 4570

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

In other news, "hedge-fund hotshot made $1B betting on oil": http://nypost.com/2015/01/21/this-hedge-fund-hotshot-made-a-killing-on-the-oil-crash/ If the manager who lost 99.8% of his fund would have guessed correctly, he too would likely be considered a hotshot right now. This is why I am...
by zaboomafoozarg
Wed Jan 21, 2015 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6874

Re: Suze Orman: $100 into $860k, and cfiresim

Wait just a minute. What if the Indians on Manhattan Island who took instead of $ 25.00 worth of trinkets and took the $ 25.00 in cash and invested it at 5% got after 400 years ? Back testing is a dream! $7 trillion? Shoot, you could buy Manhattan with that much money! :D Edit: I looked it up on wi...
by zaboomafoozarg
Mon Jan 19, 2015 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5200

Re: Suze Orman: $100 into $860k, and cfiresim

This doesn't just apply to lunch. Things like entertainment, vacations, vehicles, houses, and kids all have a much higher opportunity cost than lunch. Spending as little as you can on these things can be worth a fortune when compounded over 30 or 40 years.
by zaboomafoozarg
Mon Jan 19, 2015 12:02 am
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5200

Re: Is this normal for a new account?

Weird, I have done VG account setup online and by phone and gotten everything created in as little as 10 minutes and at most 1 day.
by zaboomafoozarg
Thu Jan 15, 2015 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Is this normal for a new account?
Replies: 9
Views: 1965

Re: Do you encrypt financial/investment documents on your PC

Seriously? People keep this information unprotected? What a heartache if you lost control of your financial data. All those passwords to change, credit card companies to call, or do you just hope the thief doesn't notice what's on your computer? Why would anyone save their passwords? Those are supp...
by zaboomafoozarg
Thu Jan 15, 2015 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 2019
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