Search found 1299 matches

by zaboomafoozarg
Wed Jul 29, 2015 5:34 pm
Forum: Investing - Theory, News & General
Topic: A bit of gold?
Replies: 45
Views: 2335

Re: A bit of gold?

Losing a couple of gold coins would not be a major setback for most people but people in this thread are talking about 5 to 10 percent of their portfolio and losing that would be a major setback for many people. That's true, I only have about $2k worth of coins right now. I have been debating at wh...
by zaboomafoozarg
Tue Jul 28, 2015 10:01 pm
Forum: Investing - Theory, News & General
Topic: A bit of gold?
Replies: 45
Views: 2335

Re: A bit of gold?

This makes a huge difference since and actual investment will have significant extra costs for things like storage, insurance, and administration. Even if you are holding physical gold there are storage and insurance costs. Unless you don't insure it. I don't, I just keep it my safe that I already ...
by zaboomafoozarg
Sun Jul 19, 2015 10:11 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3306

Re: When did you start investing in the Market?

I started investing in 2007, but only very seriously (40%-50% of my income) in 2011. I should have put money into the market when I was a kid in the mid-90's, when I received the "Mutual Fund for Dummies" book. Instead I just kept the money in a savings account and found various things to ...
by zaboomafoozarg
Mon Jul 13, 2015 8:04 pm
Forum: Investing - Theory, News & General
Topic: Wade Pfau on Asset Allocation Using PE10
Replies: 83
Views: 6001

Re: Wade Pfau on Asset Allocation Using PE10

LOL, isn't this what hocus always said? Albeit in a much more bizarre way than Dr. Pfau.
by zaboomafoozarg
Mon Jul 13, 2015 7:58 pm
Forum: Investing - Theory, News & General
Topic: Rebalance how often? It's expensive
Replies: 34
Views: 2759

Re: Rebalance how often? It's expensive

Rebalancing is not expensive if you never rebalance in taxable. I just rebalance my 401k/IRA/Roth IRA while leaving the taxable account alone. Note: rebalancing is harder if you try to minimize funds (for example, putting all your bonds in taxable, all your US stocks in 401k, and all your internatio...
by zaboomafoozarg
Sat Jul 11, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1397
Views: 276960

Re: U.S. stocks in freefall

nedsaid wrote:In fact, it has been a while since we have had a 10% correction in the US Stock Market.


I think the last 10%+ drop in the US market happened in July/August 2011, a couple weeks after I joined this forum and invested a lump sum in VTSMX.
by zaboomafoozarg
Wed Jul 08, 2015 5:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1397
Views: 276960

Re: U.S. stocks in freefall

Took the money that had piled up in my money market funds today, and used it to buy some VSS and VXUS.
by zaboomafoozarg
Tue Jul 07, 2015 10:53 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 6629

Re: Aren't we obsessing way too much about our portfolios?

livesoft wrote:Well, I'm gonna start using that word all the time. It is better than pwned. Don't you agrue?!


"pwned" got pwned sometime last year, and has now been replaced by "rekt".
by zaboomafoozarg
Fri Jul 03, 2015 11:55 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21622

Re: Emergdoc on Mr. Money Mustache

That is interesting thank you, though I suppose it might also depend how you define 'other engineer or high tech', and a personal failing of mine as an actual engineer by training is still to make a funny face at the mention of the term 'software engineer'. :D No offense to anyone, and I realize so...
by zaboomafoozarg
Wed Jul 01, 2015 9:19 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21622

Re: Emergdoc on Mr. Money Mustache

Isn't riding a bike also living a life of weakness? That's a luxury he doesn't need... Why can't he walk? Heck, shoes are a luxury and cause one to be weak... Why isn't he walking barefoot to school (uphill both ways and in the snow) with his son every morning? I thought he was all about Badassity....
by zaboomafoozarg
Tue Jun 30, 2015 9:02 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21622

Re: Emergdoc on Mr. Money Mustache

I lean ever-so-slightly more toward MMM's frugality level than EmergDoc's, but much prefer EmergDoc's presentation style to MMM's.
by zaboomafoozarg
Tue Jun 30, 2015 5:58 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 112
Views: 11585

Re: TIPS - Did you give up?

I've never owned TIPS, but I have been buying $40K in I-Bonds annually. It's a way of extending my tax-advantaged space. They represent about about 20% of my retirement bond allocation (7% of retirement portfolio). I also use I-Bonds as 20% of my retirement bond allocation. The rest of the I-Bonds ...
by zaboomafoozarg
Mon Jun 29, 2015 6:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1397
Views: 276960

Re: U.S. stocks in freefall

Odd, I expected emerging markets (-2.21%) to drop more today than total international (-2.75%), but that wasn't the case. Maybe because non-EM international countries have more interaction with Greece?
by zaboomafoozarg
Mon Jun 29, 2015 5:56 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 25902

Re: Greece impact on US markets Monday morning

livesoft wrote:So "stay-the-course" suggests that you all will be buying equities in rebalancing moves as needed, right?


Yeah, in December like always. Unless I feel like doing it sooner.
by zaboomafoozarg
Sun Jun 28, 2015 4:08 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27834

Re: What ratio are you stocks/bonds and how old are you?

herpfinance wrote:Age 30.
75% stocks, 25% bonds.
Rebalancing band of +/- 5%.


Same age and ratio here. I have no immediate plans to deviate from 75/25 - I'll keep doing that for 10 or so years, then reevaluate.
by zaboomafoozarg
Sun Jun 28, 2015 12:35 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 25902

Re: The next Lehman - this week? [Greek default]

It took me about 10 posts to realize this was from 2011 :shock:
by zaboomafoozarg
Sat Jun 27, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: SS bennies
Replies: 23
Views: 3347

Re: SS bennies

Why would it even be worth correcting a mistake in income from so many years ago? I believe I also have a zero income year listed from the 80s that I feel is a mistake, but my income in the past decade is so much more I do not see how it would make a difference to change that zero from so long ago....
by zaboomafoozarg
Sat Jun 27, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: SS bennies
Replies: 23
Views: 3347

Re: SS bennies

When contacting with the Social Security Administration, I'd recommend communicating as if you were an adult (e.g. use the word "benefits"). Whoo boy, I bet you're fun at parties. OP, I have seen posts about this happening a couple times before. IIRC, the people were able to provide the W...
by zaboomafoozarg
Sat Jun 27, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: Jim Rogers quotes for today
Replies: 13
Views: 2480

Re: Jim Rogers quotes for today

DFrank wrote:LOL!

The first one is a working tractor, but I can envision owning/restoring older tractors becoming an interesting hobby in retirement.


That's what my grandpa does. He's up to 6 Farmalls from the 30's-50's. So, sector bet :D
by zaboomafoozarg
Fri Jun 26, 2015 11:09 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers quotes for today
Replies: 13
Views: 2480

Re: Jim Rogers quotes for today

DFrank wrote:Well, I bought a tractor last week, so I must be all set then.


You need to diversify - start with a portfolio of Case, John Deere, and Ford tractors. And then consider buying a Kubota or Mahindra for international diversification!
by zaboomafoozarg
Thu Jun 25, 2015 10:09 pm
Forum: Investing - Theory, News & General
Topic: AQR/Asness: Stocks, Bonds: Bleak Outlook
Replies: 108
Views: 8733

Re: AQR/Asness: Stocks, Bonds: Bleak Outlook

I wouldn't be surprised if we had 1%-2% real return in stocks and 0% in bonds over the final 50 years of my life (assuming I make it that long). The only thing I can do about it is cut back as much as I can, save every penny that I can, and work on improving my income as much as possible. And hope ...
by zaboomafoozarg
Thu Jun 25, 2015 9:01 pm
Forum: Investing - Theory, News & General
Topic: AQR/Asness: Stocks, Bonds: Bleak Outlook
Replies: 108
Views: 8733

Re: AQR/Asness: Stocks, Bonds: Bleak Outlook

These articles always leave me wondering one question: how long these "low returns" are supposed to last? I wouldn't be surprised if we had 1%-2% real return in stocks and 0% in bonds over the final 50 years of my life (assuming I make it that long). The only thing I can do about it is cu...
by zaboomafoozarg
Tue Jun 23, 2015 10:49 pm
Forum: Investing - Theory, News & General
Topic: What does it mean to be FIRE?
Replies: 30
Views: 3148

Re: What does it mean to be FIRE?

livesoft wrote:I spent all my money on a big cardboard box.


Found the fatcat! :D
by zaboomafoozarg
Mon Jun 22, 2015 10:57 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24478

Re: When saving money becomes an irrational obsession

I'd probably say: don't forget, your biggest investment, especially in youth, is yourself .. Education, sport, travel, art, relationships .. these can all be assets in the truest sense, and probably should be balanced alongside financial assets A relationship that doesn't work out can halve your fi...
by zaboomafoozarg
Sun Jun 21, 2015 10:05 pm
Forum: Investing - Theory, News & General
Topic: Not Buying a Home Could Cost You
Replies: 36
Views: 7836

Re: Not Buying a Home Could Cost You

We would be sunk in our retirement if we had not bought houses. We leveraged, traded up, and layered on lots of sweat-equity to put us in a position to own a very nice retirement house. Forget all the accounting BS, owning your own house is a special thing - you puts lots of TLC into making it just...
by zaboomafoozarg
Sun Jun 21, 2015 4:18 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24478

Re: When saving money becomes an irrational obsession

sambb wrote:to each his own.. it doesn't make sense to me to have millions of dollars in investments, but drive an old camry or a fit. But it makes sense to some.. can't figure that out


The Fit is pretty sweet though. If I had millions of dollars I would probably trade in my old one for a new one.
by zaboomafoozarg
Tue Jun 16, 2015 6:11 am
Forum: Investing - Theory, News & General
Topic: Today wasn't a RBD (Really Bad Day)!
Replies: 28
Views: 5116

Re: Today wasn't a RBD (Really Bad Day)!

Awsi Dooger wrote:I love frontrunners, like American Pharoah. There were naysayers there also.


And some neighsayers.
by zaboomafoozarg
Thu Jun 11, 2015 10:25 pm
Forum: Investing - Theory, News & General
Topic: Lower Returns
Replies: 19
Views: 2113

Re: Lower Returns

I am also saving more because things don't look good in the short term. For an accumulator that's likely a good thing, provided they can keep their job and keep saving during lean times. I've cut back to 1 vacation per year to save some money. Also have been spending my free time working on a side b...
by zaboomafoozarg
Thu Jun 11, 2015 10:18 pm
Forum: Investing - Theory, News & General
Topic: Brighter Future? workers vs retirees expectations
Replies: 18
Views: 2727

Re: Brighter Future? workers vs retirees expectations

I assume a bleak future instead of a bright one. A lot could change between now and several decades from now. Returns could stagnate, unemployment could skyrocket, and energy shortages or climate change could cause mass chaos. If things end up better than expected, that's great. But I live every day...
by zaboomafoozarg
Sun Jun 07, 2015 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12841

Re: Frugal Millionaires

For some a dollar is a point in a game. If they lose a point they are losing the game. Many are just living the way they lived all their lives as the money came slowly and they didn't notice they are now rich. Exactly, that's what it has turned into. I live off of less now than 7 years ago, when my...
by zaboomafoozarg
Fri Jun 05, 2015 12:40 pm
Forum: Investing - Theory, News & General
Topic: Warning Signs [Economic health indicators]
Replies: 246
Views: 31910

Re: Warning Signs

A fixed allocation, with annual rebalancing, is a perfectly reasonable strategy .. But of course, you do have to question how this would have held up to a multi-decade bear market, like Japan's .. (bearing in mind this is recent history, and one of the world's largest economies) Over 15 years, the ...
by zaboomafoozarg
Wed Jun 03, 2015 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: 26, 100k, no debt, no investments
Replies: 23
Views: 1567

Re: 26, 100k, no debt, no investments

Are you maxing out the 401k and IRA? If not, start there.
by zaboomafoozarg
Sat May 30, 2015 7:05 pm
Forum: Investing - Theory, News & General
Topic: This time is different
Replies: 44
Views: 4915

Re: This time is different

I am using a 75% stocks/25% bonds asset allocation and giving up a lot of things now so that I can save 60% of my income.

If things turn out bad, at least I'll have something. And if they turn out good, I guess I'll be pleasantly surprised.
by zaboomafoozarg
Wed May 27, 2015 9:25 am
Forum: Investing - Theory, News & General
Topic: Worried about longevity risk...this isn't good news
Replies: 22
Views: 3617

Re: Worried about longevity risk...this isn't good news

I think Berkshire Hathaway stopped issuing those a few years ago.
by zaboomafoozarg
Sun May 24, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35339

Re: much ado about coasting (through life)

Or use a road, or a library, or go to an emergency room. This post is hippie talk plain and simple. At the very least you need to find something you like and do it part time. Sitting on the couch for a lifetime isn't really doing anything for society. It's not hippie talk, it's early retirement. An...
by zaboomafoozarg
Fri May 15, 2015 4:24 pm
Forum: Investing - Theory, News & General
Topic: The striking effects of career sequencing with pension and 401k
Replies: 13
Views: 2043

Re: The striking effects of career sequencing with pension and 401k

Image

I made it a priority to find a job with a pension before I was 30, and also max out my 401k + IRA.

Hopefully I can get enough working from age 25-45 to take 45-65 off :sharebeer
by zaboomafoozarg
Sat May 09, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 5999

Re: Stop contributions to retirement accts due to future RMDs

Somewhere in the 5-8 year range before terminating employment (and retirement contributions), one should start doing retirement income projections. Once your retirement income gets you in the same marginal tax bracket as your full time employment, it could be time to desist putting more into tradit...
by zaboomafoozarg
Fri May 08, 2015 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35339

Re: much ado about coasting (through life)

It is bizarre to me that so many people think that "contributing to the species" is coextensive with giving 100% at some job. When you really think about it, do the vast majority of our jobs contribute to the species? A huge slice of our economic engine is centered on convincing people to...
by zaboomafoozarg
Wed May 06, 2015 9:33 pm
Forum: Investing - Theory, News & General
Topic: Gross: stockbug alert, future investment returns will be miniscule
Replies: 67
Views: 5860

Re: Gross: stockbug alert, future investment returns will be miniscule

grap0013 wrote:^Agreed this is a depressing thread.


It's a depressing world we live in. Always has been, always will be.

Though I suspect that the next 30 years didn't look good back in '85, yet here we are and it's not too awful bad. Maybe if we're lucky, we will be able to look back the same way in 2045.
by zaboomafoozarg
Mon May 04, 2015 2:03 pm
Forum: Investing - Theory, News & General
Topic: Gross: stockbug alert, future investment returns will be miniscule
Replies: 67
Views: 5860

Re: Gross: stockbug alert, future investment returns will be miniscule

On the plus side, it looks like we've got our negativity down pat so that we'll be ready when the Bad Times come. :D Ok, that's partially joking, but partially not. It really does feel like returns are going to be much much lower than in the past, and one will need to save 40% of their income over t...
by zaboomafoozarg
Sun May 03, 2015 9:05 am
Forum: Investing - Theory, News & General
Topic: Financial reasons to get a summer job?
Replies: 36
Views: 2070

Re: Financial reasons to get a summer job?

I thought most CS bachelors degree programs nowadays required internships in order to graduate. Mine required 3 12-week verified work experiences in order to be eligible for graduation. It really helped me decide what type of work I liked (and didn't like) before graduating and looking for a full ti...
by zaboomafoozarg
Sat May 02, 2015 11:34 pm
Forum: Investing - Theory, News & General
Topic: When - and how - to relax about retirement assets?
Replies: 18
Views: 4172

Re: When - and how - to relax about retirement assets?

I don't know if I'll ever be able to relax. The more I have, the more I worry about losing it. Funny how that works.
by zaboomafoozarg
Fri May 01, 2015 8:39 pm
Forum: Investing - Theory, News & General
Topic: Who's Buying I Bonds Now?
Replies: 39
Views: 3455

Re: New I bond rates out - not good news

On the plus side, the CPI went down so stuff isn't more expensive.
by zaboomafoozarg
Fri May 01, 2015 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Can you improve this constructed portfolio?
Replies: 35
Views: 2833

Re: Can you improve this constructed portfolio?

Based on the OP's responses, I assume the question "Can you improve this constructed portfolio?" was intended to be hypothetical.
by zaboomafoozarg
Fri Apr 24, 2015 1:42 pm
Forum: Investing - Theory, News & General
Topic: Mother lode of information on Public Pension Plans
Replies: 3
Views: 883

Re: Mother lode of information on Public Pension Plans

Interesting.

I thought Ohio's funding level for public pensions was low, but then I looked at Illinois... :shock:
by zaboomafoozarg
Fri Apr 24, 2015 11:24 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3458

Re: Is tax loss harvesting that powerful ?

coachz wrote:wholly guacamole ! If you guys have any more strategies of the rich and powerful (or even that work for normal people) I'm always interested in learning more. Thanks again. :beer


Rebalancing is like a greeeat sports play!
by zaboomafoozarg
Fri Apr 24, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I apply for manager's job or continue as a techie?
Replies: 145
Views: 10965

Re: Should I apply for manager's job or continue as a techie

You'll have chances to go back to a tech type job but you probably won't often have this type of opportunity to move forward with your same firm. That's what happened to me. I took a lead/management role and found that I didn't like it as much as an individual contributor tech role, but my company ...
by zaboomafoozarg
Sat Apr 18, 2015 6:48 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6822

Re: Favorite Boglehead Avatar?

I found bertilak's previous avatar with the Rabbit like creature very fascinating. Like it was calling me. http://i57.tinypic.com/2mw55pi.jpg That's Max from the Sam & Max comics , excuse me, make that "graphic novels!". They're "Freelance Police." Credit to Steve Purcell. H...

Go to advanced search