Search found 6338 matches

by Johm221122
Thu Mar 28, 2024 12:06 pm
Forum: Personal Investments
Topic: Thoughts on Dave Ramsey's Investments
Replies: 32
Views: 2321

Re: Thoughts on Dave Ramsey's Investments

Cocoa Beach Bum wrote: Thu Mar 28, 2024 11:23 am Here are some past BH thoughts about a well-explored topic:
https://www.google.com/search?sitesearc ... folio#ip=1
+1
This is my favorite
viewtopic.php?t=151879
by Johm221122
Wed Mar 27, 2024 2:38 pm
Forum: Personal Investments
Topic: How do YOU integrate cognitive decline with investment policy?
Replies: 30
Views: 2141

Re: How do YOU integrate cognitive decline with investment policy?

My thoughts on this are a combination of
1. Delay Social Security to 70
2. SPIA
3. Two funds (one for aggressively investing and one as an emergency fund for cash needs)

At the age of seventy it will be simplistic. From retirement until 70 I'll also have a Social Security bridge. Before retirement it is way more messy for my family to handle (absolutely zero investment knowledge or interest in the subject)
by Johm221122
Wed Mar 27, 2024 12:44 pm
Forum: US Chapters
Topic: [Retiring] 42: The answer to everything with a lot of help from Bogleheads
Replies: 9
Views: 1214

Re: [Retiring] 42: The answer to everything with a lot of help from Bogleheads

Congratulations
I am forever grateful. I came to this forum knowing very little (most of it wrong). The forum has given me the tools to sleep well at night

You are not alone. I feel the same exact way
by Johm221122
Wed Mar 27, 2024 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Take Social Security Now?
Replies: 47
Views: 2383

Re: Take Social Security Now?

Concerned about S/S being available in the future. I have heard that for 50 years. Don't be concerned it's easily fixable. It's a political problem not a mathematical problem to fix it. Given that SS benefits have already been reduced for a large percentage of us vs. what we were promised when we started contributing, why shouldn't we be concerned that something similar could happen again? It's not necessary to speculate on exactly when or how benefits could be reduced, but it's indisputable that they already have been. Reduced? Exactly how? SS offered full benefits at age 65, and benefits were not taxed at the federal level. As far as the age/ exact benefits you receive and future taxes, I would 100% be concerned/prepared for change But a...
by Johm221122
Wed Mar 27, 2024 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Take Social Security Now?
Replies: 47
Views: 2383

Re: Take Social Security Now?

Concerned about S/S being available in the future. I have heard that for 50 years. Don't be concerned it's easily fixable. It's a political problem not a mathematical problem to fix it. Given that SS benefits have already been reduced for a large percentage of us vs. what we were promised when we started contributing, why shouldn't we be concerned that something similar could happen again? It's not necessary to speculate on exactly when or how benefits could be reduced, but it's indisputable that they already have been. I think the courts have ruled that SS is not a promise. I certainly never considered it as a promise. I agree legally it's not a promise but Social Security 1. Is the majority of income for a large percentage of people. Wha...
by Johm221122
Wed Mar 27, 2024 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Take Social Security Now?
Replies: 47
Views: 2383

Re: Take Social Security Now?

tibbitts wrote: Wed Mar 27, 2024 10:55 am
Johm221122 wrote: Wed Mar 27, 2024 10:31 am
LaramieWind wrote: Wed Mar 27, 2024 8:45 am Concerned about S/S being available in the future.
I have heard that for 50 years. Don't be concerned it's easily fixable. It's a political problem not a mathematical problem to fix it.
Given that SS benefits have already been reduced for a large percentage of us vs. what we were promised when we started contributing, why shouldn't we be concerned that something similar could happen again? It's not necessary to speculate on exactly when or how benefits could be reduced, but it's indisputable that they already have been.
Reduced? Exactly how?
by Johm221122
Wed Mar 27, 2024 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Take Social Security Now?
Replies: 47
Views: 2383

Re: Take Social Security Now?

LaramieWind wrote: Wed Mar 27, 2024 8:45 am Concerned about S/S being available in the future.
I have heard that for 50 years. Don't be concerned it's easily fixable. It's a political problem not a mathematical problem to fix it.
by Johm221122
Tue Mar 26, 2024 3:21 pm
Forum: Investing - Theory, News & General
Topic: Looking for advice on unhappy experience in VG short term bond fund
Replies: 67
Views: 5715

Re: Looking for advice on unhappy experience in VG short term bond fund

Beensabu wrote: Tue Mar 26, 2024 3:13 pm
Johm221122 wrote: Tue Mar 26, 2024 2:46 pm
Beensabu wrote: Tue Mar 26, 2024 2:35 pm
rkhusky wrote: Tue Mar 26, 2024 2:24 pm Individual bonds and brokered CD’s won’t work either, because their values change with interest rates too.
Yes, but you can't see it.

Some people just can't standing seeing the price go lower.
But you do actually see it

viewtopic.php?f=10&t=427886&newpost=778 ... ead#unread
Yikes. Well nevermind then. No brokered CDs if you can't stand seeing something go down in value temporarily.

Can you see marked to market values for individual bond holdings as well?
Yes, I pretty sure you do see current market value on your screen
by Johm221122
Tue Mar 26, 2024 2:46 pm
Forum: Investing - Theory, News & General
Topic: Looking for advice on unhappy experience in VG short term bond fund
Replies: 67
Views: 5715

Re: Looking for advice on unhappy experience in VG short term bond fund

Beensabu wrote: Tue Mar 26, 2024 2:35 pm
rkhusky wrote: Tue Mar 26, 2024 2:24 pm Individual bonds and brokered CD’s won’t work either, because their values change with interest rates too.
Yes, but you can't see it.

Some people just can't standing seeing the price go lower.
But you do actually see it

viewtopic.php?f=10&t=427886&newpost=778 ... ead#unread
by Johm221122
Tue Mar 26, 2024 1:22 pm
Forum: Investing - Theory, News & General
Topic: Viewing your portfolio vs viewing them as separate components
Replies: 14
Views: 1144

Re: Viewing your portfolio vs viewing them as separate components

One difference I have notice compare to some people is that I have a tendency to view the portfolio as a whole rather than as individual components. I have attempted to research each components on their own but in the end it's mostly to see if they would fit better in the portfolio that what I have and I rarely actually make changes in my retirement portfolio. When I look at my portfolio, I do look at the return of the entire portfolio, but I don't really care too much about the return of the individual asset pieces. This is becasue they are all index fund and their return is because of the market. When I invested in actively managed fund in the 90's, I had religiously track each fund comparing them to their peers to make sure I was in the...
by Johm221122
Mon Mar 25, 2024 11:13 am
Forum: Investing - Theory, News & General
Topic: 10% cash position excessive?
Replies: 27
Views: 2692

Re: 10% cash position excessive?

adave wrote: Sun Mar 24, 2024 6:02 pm I’m sitting on a 10% cash position, would this be considered excessive? Rest of my portfolio fairly risky with heavy tech exposure.
Your asset allocation depends on your specific situation. Only you can determine if this is excessive (or someone who had all your information and goals)
by Johm221122
Fri Mar 22, 2024 3:08 pm
Forum: Personal Consumer Issues
Topic: Walmart Plus Feels Like A Scam
Replies: 53
Views: 5993

Re: Walmart Plus Feels Like A Scam

klneutral wrote: Fri Mar 22, 2024 3:01 pm
Johm221122 wrote: Fri Mar 22, 2024 2:04 pm Was it shipped by Walmart or 3rd party. On 3rd party orders a fee will still apply if applicable
Shipped by Walmart. An order of TheraTears (eye drops) that had no extra charge a few days ago now comes with the extra $6.99 charge.
I just put the .5 size bottle in my cart

$8.99 and shipping is free
by Johm221122
Fri Mar 22, 2024 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do you assume legislative cuts in Social Security and other federal benefits?
Replies: 49
Views: 2125

Re: Do you assume legislative cuts in Social Security and other federal benefits?

I assume no cuts in my planning for Social Security or Medicare. Hopefully 8 years or less to retirement.
by Johm221122
Fri Mar 22, 2024 2:04 pm
Forum: Personal Consumer Issues
Topic: Walmart Plus Feels Like A Scam
Replies: 53
Views: 5993

Re: Walmart Plus Feels Like A Scam

Was it shipped by Walmart or 3rd party. On 3rd party orders a fee will still apply if applicable
by Johm221122
Fri Mar 22, 2024 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Do you tip hotel staff when checking out?
Replies: 145
Views: 6939

Re: Do you tip hotel staff when checking out?

hudson wrote: Fri Mar 22, 2024 11:55 am
lessismore22 wrote: Thu Mar 21, 2024 5:37 pm Curious to hear thoughts on leaving cash for the hotel staff when you check out of a room. If you leave a tip, how do you determine how much? If not, why not?
I was a bellhop in the summer of '72.
The tips were much appreciated. Tips made up for low pay. I made $30-40 a night. My bartender buddies made over $100 a night. Since they were riding with me, I had to wait an extra non-paid hour, but I got free drinks.

I leave $10 in the room for one night; more for more nights.
How do I determine how much? I want to be a much better than average tipper.

What do I think about the tipping habits of others? It's like personal finance, it's personal. No judgement by me.
And that was in "72", those numbers have grown
by Johm221122
Fri Mar 22, 2024 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Do you tip hotel staff when checking out?
Replies: 145
Views: 6939

Re: Do you tip hotel staff when checking out?

jackholloway wrote: Thu Mar 21, 2024 10:48 pm 3-5$ a night, cash, left in the room with a scrawled note. Always assuming I remembered to bring any actual cash with me.

One of my kin cleaned hotel rooms for a while. Nobody's getting rich working as a hotel housekeeper.
I'm trying(depending on your definition of rich)

I've technically worked for the housekeeping department for almost 25 years. But I actually did about 3 positions on 3rd shift until the pandemic (housekeeping, maintenance, Bellman/valet).

They cut service after the pandemic and I'm doing second shift now (housekeeping). We used to have like 5 people but now I work 7 days a week and occasionally get help when it's busy 😡
by Johm221122
Fri Mar 22, 2024 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Do you tip hotel staff when checking out?
Replies: 145
Views: 6939

Re: Do you tip hotel staff when checking out?

Thank you for the question! What eye opening responses. In the past, I would rarely tip—not on principle, but because it was not top of mind and I almost never have cash. This thread has changed my mind. From now on I will carry 5s in my travel bag and leave one each day with a thank you note. I travel ~5 nights a month on average, so that’s $300 a year. I can afford it and don’t want to be a jerk. We are starting to implement a system of doing it electronically. If you actually want to tip the housekeeper I suggest using the electronic method if available The housekeepers don't actually get all the cash tips. The person who strips the room of linen and trash or the supervisor could get the tip before the housekeeper gets to the room. The ...
by Johm221122
Fri Mar 22, 2024 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Do you tip hotel staff when checking out?
Replies: 145
Views: 6939

Re: Do you tip hotel staff when checking out?

H-Town wrote: Thu Mar 21, 2024 5:53 pm
lessismore22 wrote: Thu Mar 21, 2024 5:37 pm Curious to hear thoughts on leaving cash for the hotel staff when you check out of a room. If you leave a tip, how do you determine how much? If not, why not?
No.

Do you know who you leave the tip to? Is it the person who cleaned your room before you check-in? Or the person who will clean the room for the next person checking in?
Actually where I work it would generally go to person stripping the room (linen and trash) or supervisor in most cases. Housekeepers take 30 minutes a room and we need to process that linen and can't wait for housekeeper to finish 16 rooms.
by Johm221122
Wed Mar 20, 2024 8:05 pm
Forum: Investing - Theory, News & General
Topic: Purchasing MYGAs (multi year guaranteed annuities) - mega thread
Replies: 2255
Views: 293080

Re: MYGA as bond substitute?

MYGA's can be a good choice
There is a master thread if you want to read it
viewtopic.php?t=334589
by Johm221122
Wed Mar 20, 2024 2:29 pm
Forum: Investing - Theory, News & General
Topic: Dangers of excessive optimism?
Replies: 86
Views: 6692

Re: Dangers of excessive optimism?

Of course you mean Large cap US stocks.

Because international, emerging markets and small caps don't feel unstoppable.
by Johm221122
Tue Mar 19, 2024 3:21 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 5833
Views: 591112

Re: What are you listening to now

Just listen to the "In The Dark" album by the grateful Dead.

Forgot how much I liked the song "Throwing Stones "
by Johm221122
Sun Mar 17, 2024 10:20 am
Forum: Personal Consumer Issues
Topic: Need Help Finding a Hobby
Replies: 76
Views: 6392

Re: Need Help Finding a Hobby

KlangFool wrote: Sun Mar 17, 2024 2:46 am
Johm221122 wrote: Thu Mar 14, 2024 1:13 pm Music
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
Could you please recommend a YouTube channel for this?

Thanks in advance!!

KlangFool
I just use the search feature

I typed in for example"Warren zevon full album Excitable Boy"
by Johm221122
Sat Mar 16, 2024 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Dollar Cost Averaging
Replies: 18
Views: 1637

Re: Dollar Cost Averaging

NavyIC3 wrote: Sat Mar 16, 2024 10:51 am Other than 401s, etc., do you do it when making a purchase? I read a few articles over the years that it doesn't out-perform an immediate purchase. If there is a fund or stock that I like, I just lump sum it.
Lump sum investing usually beats dollar cost averaging.

But I don't have a choice because I periodically invest in my 401k as I get paid. I don't have a lump sum that isn't already invested. As far as my Roth, I save all year and lump sum in January only because of the rules.
by Johm221122
Thu Mar 14, 2024 2:33 pm
Forum: Investing - Theory, News & General
Topic: 5M, probably enough to retire to a frugal lifestyle
Replies: 180
Views: 15749

Re: 5M, probably enough to retire to a frugal lifestyle

I say take the 5 million and move(I couldn't read article).
by Johm221122
Thu Mar 14, 2024 1:44 pm
Forum: Personal Consumer Issues
Topic: Need Help Finding a Hobby
Replies: 76
Views: 6392

Re: Need Help Finding a Hobby

Angel of Empire wrote: Thu Mar 14, 2024 1:30 pm
Johm221122 wrote: Thu Mar 14, 2024 1:13 pm Music
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
I started doing this around 6 months ago, missing only a handful of days. I listen with headphones, undisturbed and you're correct- it's very enjoyable.

Today's album selection was The Grand Illusion by Styx, 1977.
👍

Tonight I'm listening to Excitable Boy
by Johm221122
Thu Mar 14, 2024 1:17 pm
Forum: Personal Investments
Topic: Cash or CD's Instead of Bond Funds
Replies: 61
Views: 5678

Re: Cash or CD's Instead of Bond Funds

Not in lieu of but as a liability matching portfolio

This recent post may help you(why cash is a terrible long-term investment )
viewtopic.php?t=411917
by Johm221122
Thu Mar 14, 2024 1:13 pm
Forum: Personal Consumer Issues
Topic: Need Help Finding a Hobby
Replies: 76
Views: 6392

Re: Need Help Finding a Hobby

Music
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
by Johm221122
Wed Mar 13, 2024 2:34 pm
Forum: Investing - Theory, News & General
Topic: Purchasing MYGAs (multi year guaranteed annuities) - mega thread
Replies: 2255
Views: 293080

Re: MYGA

This is the master thread for MYGA
viewtopic.php?t=334589
by Johm221122
Wed Mar 13, 2024 10:03 am
Forum: Investing - Theory, News & General
Topic: Index Investing Basics - Revisited
Replies: 133
Views: 9531

Re: Index Investing Basics - Revsited

We can't tell you what else you should diversify into because we don't know the future

I haven't changed My stock allocation much in the last 20 years. I'm going to try and stick to it the rest of my life. I have and will adjust my fixed income.

My stock allocation is 50% S&P 500,25% extended market index,25% international (I keep international close to 50/50 large and small caps)
by Johm221122
Mon Mar 11, 2024 9:47 am
Forum: Personal Investments
Topic: The classic dilemma between income and growth... Where should I be?
Replies: 40
Views: 2449

Re: The classic dilemma between income and growth... Where should I be?

KingRiggs wrote: Mon Mar 11, 2024 9:40 am That $1500/month living expense will certainly change when you decide to FIRE, as your health insurance will now be paid by you. Expect maybe $600-$800 per mont extra if you go for a Siler ACA plan...
Please share your source. What ACA calculator are you using?
by Johm221122
Sat Mar 09, 2024 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: At what point did you prioritize health over money?
Replies: 65
Views: 8594

Re: At what point did you prioritize health over money?

crre wrote: Sat Mar 09, 2024 1:57 pm I'm just afraid of being in 70's of having regrets.

i have known a good number of people, including my mother, who never made it into their 70's. so there's that.
And that is one side of my dilemma

The other side is I eat healthy, exercise and my doctor during last physical called me boring. The doctor said maybe except loose 20 pounds I'm extremely healthy.

I think statistically I have a long way to go and being forced to be a minimalist would be different than choosing to be a minimalist for many decades. I think having the choice to spend more is very important to my piece of mind even if I don't actually spend it.
by Johm221122
Sat Mar 09, 2024 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: At what point did you prioritize health over money?
Replies: 65
Views: 8594

Re: At what point did you prioritize health over money?

I'm debating this daily I am median income and live a very minimalist lifestyle and I'm power saving for a retirement that would probably be on the higher side of spending for my current income. I should reach this by 62/63. But to be honest this minimalist lifestyle and say retireing next year at 55 and using the rule of 55 has a lot of appeal. I'm just afraid of being in 70's and having regrets. I will play it day by day and see what happens. But at this point in life I see working as stealing my time. I don't hate my job but I feel my time is real important and hate waisting it at work hit a specific point where they decided that no amount of extra $$ was worth I haven't gotten to this point yet. But it may come sooner rather than later.
by Johm221122
Sat Mar 09, 2024 11:40 am
Forum: Personal Investments
Topic: Should bond index funds still be part of our asset allocation?
Replies: 16
Views: 1520

Re: Should bond index funds still be part of our asset allocation?

Stactim wrote: Sat Mar 09, 2024 11:25 am Hi All,
Is the Boglehead conventional wisdom still to have bond index funds as part of our asset allocation?
Been seeing a lot of negativity lately regarding bond index funds and how volatility is not that much less than stock index funds.
Just wanted to take others temperature on this.
Thanks!
Bogleheads wisdom would 100% depend on your specific situation. Investing choices are very dependent on individual circumstances
by Johm221122
Sat Mar 09, 2024 11:25 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard so bullish on international exposure in their all-in-one funds?
Replies: 77
Views: 6912

Re: Why is Vanguard so bullish on international exposure in their all-in-one funds?

Long-term investors who followed Jack’s advice read comments like this and laugh all the way to the bank. BTW, good job picking a starting point that best illustrates your view. Show us 1968 - 1989 or 2000 - 2007 next time. Most of us weren’t investing in the 1960’s. What occurs during our investment lifetime is all that matters. And the graph that I showed includes 2000-2007. I chose 1994 as the starting point for a reason—that was when Jack published his first book and gave his advice. If I wanted to best illustrate my view I’d go back a little further to 1988. Notice that even bonds have outperformed international stocks over the past 36 years. That is an investment lifetime for many people. https://i.postimg.cc/KvmMjvRT/IMG-8516.jpg I ...
by Johm221122
Thu Mar 07, 2024 1:51 pm
Forum: Investing - Theory, News & General
Topic: International (Non-US) versus US Equities (The "Arguments")
Replies: 5351
Views: 906856

Re: Half US half international okay?

[Thread merged into here --admin LadyGeek] Is it fine to go half US half International or should I go all US stocks? I don’t really have any home country bias but it seems as though top investors like Buffet and even Bogle did not/do not hold international stocks. I’m not the type to try and copy all the top headlines I see, but I see a lot of news saying how US companies provide global diversification by having revenues from multiple other countries. The 2 funds I am considering are FZROX and FZILX. Thoughts? Buffet doesn't hold international stocks? You may want to double check that. He has invested in Japan very recently I should have clarified - I meant that his advice that he gives in media is generally against international investing...
by Johm221122
Thu Mar 07, 2024 12:39 pm
Forum: Investing - Theory, News & General
Topic: International (Non-US) versus US Equities (The "Arguments")
Replies: 5351
Views: 906856

Re: Half US half international okay?

[Thread merged into here --admin LadyGeek] Is it fine to go half US half International or should I go all US stocks? I don’t really have any home country bias but it seems as though top investors like Buffet and even Bogle did not/do not hold international stocks. I’m not the type to try and copy all the top headlines I see, but I see a lot of news saying how US companies provide global diversification by having revenues from multiple other countries. The 2 funds I am considering are FZROX and FZILX. Thoughts? Buffet doesn't hold international stocks? You may want to double check that. He has invested in Japan very recently I should have clarified - I meant that his advice that he gives in media is generally against international investing...
by Johm221122
Thu Mar 07, 2024 10:40 am
Forum: Investing - Theory, News & General
Topic: International (Non-US) versus US Equities (The "Arguments")
Replies: 5351
Views: 906856

Re: Half US half international okay?

jspa2026 wrote: Wed Mar 06, 2024 7:42 pm [Thread merged into here --admin LadyGeek]

Is it fine to go half US half International or should I go all US stocks? I don’t really have any home country bias but it seems as though top investors like Buffet and even Bogle did not/do not hold international stocks. I’m not the type to try and copy all the top headlines I see, but I see a lot of news saying how US companies provide global diversification by having revenues from multiple other countries. The 2 funds I am considering are FZROX and FZILX. Thoughts?
Buffet doesn't hold international stocks? You may want to double check that. He has invested in Japan very recently
by Johm221122
Wed Mar 06, 2024 11:32 am
Forum: Personal Finance (Not Investing)
Topic: When have you stopped saving for retirement?
Replies: 40
Views: 4014

Re: When have you stopped saving for retirement?

From 2016 to 2019, I only saved 5% in 401k. From 1999 until then I saved 25% or more. Family responsibilities became expensive and I was only one with income. I also spent about 50k of savings from taxable.

Did it cost me? Of course but you and your family only live once. Not one regret but I'm now power saving for retirement. Last year 50% and the year before 40%.
by Johm221122
Mon Mar 04, 2024 11:38 am
Forum: Investing - Theory, News & General
Topic: What good is tax deferred?
Replies: 122
Views: 15670

Re: What good is tax deferred?

Nver2Late wrote: Mon Mar 04, 2024 10:48 am

For lower income/high savers, its prudent to be careful with the tax-deferred vs Roth decision.
I'm the exact person your describing. Yes in the best senerios I will pay more taxes on some of my contributions.But if the market doesn't perform well or for some reason I don't reach my goal traditional will be better. I'd rather pay a little more taxes in best case senerio then come up short in less than best case senerio.

The problem with the descion is I don't know market returns over next few years, my companies plans, my health or my continued desire to work for money anymore (I really value my time over money)
by Johm221122
Mon Mar 04, 2024 11:27 am
Forum: Investing - Theory, News & General
Topic: Aggressive savers: Reduce stocks % the closer you are to your target numbers?
Replies: 32
Views: 3662

Re: Aggressive savers: Reduce stocks % the closer you are to your target numbers?

gwu11 wrote: Mon Mar 04, 2024 11:11 am to "maximize odds of success" perspective?

This is the only thing on my mind.
by Johm221122
Mon Mar 04, 2024 8:54 am
Forum: Investing - Theory, News & General
Topic: The empire strikes back…or at least attempts to [Passive investing]
Replies: 26
Views: 4188

Re: The empire strikes back…or at least attempts to


baby boomers retire and sell in the same proportion that they are buying today.
Problem is "Baby Booomers" in general don't own the majority of the stock market. Very wealthy people and institutions do. Nothing changes by baby boomers retiring, the wealthiest don't need to sell every month to put food on the table.
by Johm221122
Fri Mar 01, 2024 10:09 pm
Forum: Personal Consumer Issues
Topic: Flea Remedies That Have Worked for You?
Replies: 40
Views: 3368

Re: Flea Remedies That Have Worked for You?

ruanddu wrote: Fri Mar 01, 2024 9:30 pm
Johm221122 wrote: Fri Mar 01, 2024 1:39 pm I use dome flea traps. They work for me. They are natural and very cheap. I use water instead of the sticky pads
Thank you. Can you please let me know which one you are using?
https://www.google.com/shopping/product ... 44293,cs:1
by Johm221122
Fri Mar 01, 2024 3:34 pm
Forum: Personal Investments
Topic: SS Delay Bridge - But how?
Replies: 21
Views: 2241

Re: SS Delay Bridge - But how?

r.walker wrote: Fri Mar 01, 2024 3:28 pm Given current MMF yields, a short cash bridge to SS at 70 is pretty straight forward.
What will MMF's yield over the 5 years of withdrawals needed?
by Johm221122
Fri Mar 01, 2024 3:14 pm
Forum: Personal Investments
Topic: SS Delay Bridge - But how?
Replies: 21
Views: 2241

Re: SS Delay Bridge - But how?

Here is a post about term certain annuities which is another option for SS bridge
viewtopic.php?t=418086
by Johm221122
Fri Mar 01, 2024 2:57 pm
Forum: Personal Investments
Topic: SS Delay Bridge - But how?
Replies: 21
Views: 2241

Re: SS Delay Bridge - But how?

I have thought about MYGAs and may consider using some type of annuity in addition to the SS bridge but for a more comprehensive and longer term addition to my retirement plan. To be honest I am still working to understand annuities in general with all the options and costs. Right now I don't have the understanding that I would need to purchase one. But I am working on it. For a SS bridge (with a fixed time frame) I have read that US treasuries a good fit. Not that a MYGA could not fit as well. My understanding is that whatever is used to fund the bridge that it is as least risky as possible. Can you tell me why a MYGA would be better than TIPS or non-TIPS US bonds for a 5 year SS bridge? There is no cost with MYGA'S or a Term certain annu...
by Johm221122
Fri Mar 01, 2024 1:39 pm
Forum: Personal Consumer Issues
Topic: Flea Remedies That Have Worked for You?
Replies: 40
Views: 3368

Re: Flea Remedies That Have Worked for You?

I use dome flea traps. They work for me. They are natural and very cheap. I use water instead of the sticky pads
by Johm221122
Fri Mar 01, 2024 1:10 am
Forum: Investing - Theory, News & General
Topic: Are there any special circumstances in which you'd sell or stop DCA-ing?
Replies: 25
Views: 2311

Re: Are there any special circumstances in which you'd sell or stop DCA-ing?

I would never DCA(dollar cost average)

If you mean periodically invest,yes when I had specific family obligations (I did get matching money). I will change my asset allocation when I get closer to my goal but not my contributions to my portfolio
by Johm221122
Thu Feb 29, 2024 2:09 pm
Forum: Personal Investments
Topic: S&P 500 Index versus other options
Replies: 7
Views: 1026

Re: S&P 500 Index versus other options

I agree with your advisor friend, add small cap stocks. Use total stock market along with international and fixed income.
by Johm221122
Thu Feb 29, 2024 1:15 am
Forum: Investing - Theory, News & General
Topic: What good is tax deferred?
Replies: 122
Views: 15670

Re: What good is tax deferred?

Why did you wait so long to retire? You could have had taken advantage of many low tax years before Social Security.
The problem isn't the tax deferred savings, the problem is you worked to long.